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Loans (Tables)
 6 Months Ended
Jun. 30, 2013
Loans [Abstract]  
Summary of major classification of loans net of unearned income and deferred loan origination cost
Major classifications of loans, net of unearned income and deferred loan origination costs, are summarized as follows:

 
(in thousands)
 
June 30
2013
  
December 31
2012
 
Commercial construction
 $103,800  $119,447 
Commercial secured by real estate
  859,022   807,213 
Equipment lease financing
  9,383   9,246 
Commercial other
  376,906   376,348 
Real estate construction
  51,462   55,041 
Real estate mortgage
  692,934   696,928 
Home equity
  80,631   82,292 
Consumer direct
  123,565   122,581 
Consumer indirect
  287,098   281,477 
Total loans
 $2,584,801  $2,550,573 
Nonaccrual loans segregated by class of loans
Nonaccrual loans segregated by class of loans were as follows:

 (in thousands)
 
June 30
2013
  
December 31
2012
 
Commercial:
      
Commercial construction
 $4,655  $5,955 
Commercial secured by real estate
  7,371   5,572 
Commercial other
  2,678   1,655 
          
Residential:
        
Real estate construction
  610   315 
Real estate mortgage
  3,445   3,153 
Home equity
  253   141 
Total nonaccrual loans
 $19,012  $16,791 
Bank's loan portfolio aging analysis, segregated by class
The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of June 30, 2013 and December 31, 2012:

   
June 30, 2013
 
(in thousands)
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90+ Days Past Due
  
Total Past Due
  
Current
  
Total Loans
  
90+ and Accruing*
 
Commercial:
                     
Commercial construction
 $0  $30  $6,772  $6,802  $96,998  $103,800  $2,243 
Commercial secured by real estate
  2,256   2,703   16,282   21,241   837,781   859,022   10,924 
Equipment lease financing
  0   0   0   0   9,383   9,383   0 
Commercial other
  1,197   570   6,552   8,319   368,587   376,906   4,186 
Residential:
                            
Real estate construction
  208   160   801   1,169   50,293   51,462   191 
Real estate mortgage
  1,619   4,233   7,023   12,875   680,059   692,934   4,263 
Home equity
  820   333   610   1,763   78,868   80,631   370 
Consumer:
                            
Consumer direct
  948   258   73   1,279   122,286   123,565   73 
Consumer indirect
  1,867   697   312   2,876   284,222   287,098   312 
Total
 $8,915  $8,984  $38,425  $56,324  $2,528,477  $2,584,801  $22,562 

   
December 31, 2012
 
(in thousands)
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90+ Days Past Due
  
Total Past Due
  
Current
  
Total Loans
  
90+ and Accruing*
 
Commercial:
                     
Commercial construction
 $1,413  $312  $9,598  $11,323  $108,124  $119,447  $3,778 
Commercial secured by real estate
  9,733   1,633   10,456   21,822   785,391   807,213   5,943 
Equipment lease financing
  0   0   0   0   9,246   9,246   0 
Commercial other
  259   1,142   5,164   6,565   369,783   376,348   3,867 
Residential:
                            
Real estate construction
  248   572   511   1,331   53,710   55,041   196 
Real estate mortgage
  2,765   4,029   7,138   13,932   682,996   696,928   4,511 
Home equity
  921   102   565   1,588   80,704   82,292   441 
Consumer:
                            
Consumer direct
  1,360   336   98   1,794   120,787   122,581   98 
Consumer indirect
  2,772   907   381   4,060   277,417   281,477   381 
Total
 $19,471  $9,033  $33,911  $62,415  $2,488,158  $2,550,573  $19,215 

*90+ and Accruing are also included in 90+ Days Past Due column.
Credit risk profile of the bank's commercial loan portfolio based on rating category and payment activity, segregated by class of loans
The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by class of loans, as of June 30, 2013 and December 31, 2012:

 (in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Leases
  
Commercial Other
  
Total
 
June 30, 2013
               
Pass
 $77,966  $725,401  $9,383  $315,390  $1,128,140 
Watch
  13,938   79,507   0   39,418   132,863 
OAEM
  28   12,764   0   5,365   18,157 
Substandard
  7,213   35,179   0   14,402   56,794 
Doubtful
  4,655   6,171   0   2,331   13,157 
Total
 $103,800  $859,022  $9,383  $376,906  $1,349,111 
                      
December 31, 2012
                    
Pass
 $92,140  $665,764  $9,246  $328,646  $1,095,796 
Watch
  12,915   79,517   0   28,760   121,192 
OAEM
  1,054   16,532   0   2,816   20,402 
Substandard
  7,383   40,021   0   14,878   62,282 
Doubtful
  5,955   5,379   0   1,248   12,582 
Total
 $119,447  $807,213  $9,246  $376,348  $1,312,254 
Credit risk profile of residential real estate and consumer loan portfolio based on performing and nonperforming status segregated by class [Table Text Block]
The following tables present the credit risk profile of the CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class, as of June 30, 2013 and December 31, 2012:

(in thousands)
 
Real Estate Construction
  
Real Estate Mortgage
  
Home Equity
  
Consumer Direct
  
Consumer
Indirect
  
Total
 
June 30, 2013
                  
Performing
 $50,661  $685,226  $80,008  $123,492  $286,786  $1,226,173 
Nonperforming (1)
  801   7,708   623   73   312   9,517 
Total
 $51,462  $692,934  $80,631  $123,565  $287,098  $1,235,690 
                          
December 31, 2012
                        
Performing
 $54,530  $689,264  $81,710  $122,483  $281,096  $1,229,083 
Nonperforming (1)
  511   7,664   582   98   381   9,236 
Total
 $55,041  $696,928  $82,292  $122,581  $281,477  $1,238,319 

(1)  A loan is considered nonperforming if it is 90 days or more past due and/or on nonaccrual.
Impaired loans, average investment in impaired loans, and interest income recognized on impaired loans
The following table presents impaired loans, the average investment in impaired loans, and interest income recognized on impaired loans for the periods ended June 30, 2013, December 31, 2012, and June 30, 2012:

   
June 30, 2013
 
(in thousands)
 
Recorded Balance
  
Unpaid Contractual Principal Balance
  
Specific Allowance
 
Loans without a specific valuation allowance:
         
Commercial construction
 $5,921  $6,498  $0 
Commercial secured by real estate
  29,232   30,155   0 
Commercial other
  16,036   19,760   0 
Real estate mortgage
  1,027   1,027   0 
              
Loans with a specific valuation allowance:
            
Commercial construction
  4,655   5,511   1,890 
Commercial secured by real estate
  6,194   6,448   1,866 
Commercial other
  353   477   83 
              
Totals:
            
Commercial construction
  10,576   12,009   1,890 
Commercial secured by real estate
  35,426   36,603   1,866 
Commercial other
  16,389   20,237   83 
Real estate mortgage
  1,027   1,027   0 
Total
 $63,418  $69,876  $3,839 
 
   
Three Months Ended
  
Six Months Ended
 
   
June 30, 2013
  
June 30, 2013
 
(in thousands)
 
Average Investment in Impaired Loans
  
*Interest Income Recognized
  
Average Investment in Impaired Loans
  
*Interest Income Recognized
 
Loans without a specific valuation allowance:
            
Commercial construction
 $6,043  $53  $5,634  $127 
Commercial secured by real estate
  29,422   236   31,665   533 
Commercial other
  15,825   151   15,630   305 
Real estate mortgage
  1,025   17   842   24 
                  
Loans with a specific valuation allowance:
                
Commercial construction
  4,656   0   5,366   0 
Commercial secured by real estate
  6,298   0   5,232   0 
Commercial other
  379   0   624   0 
                  
Totals:
                
Commercial construction
  10,699   53   11,000   127 
Commercial secured by real estate
  35,720   236   36,897   533 
Commercial other
  16,204   151   16,254   305 
Real estate mortgage
  1,025   17   842   24 
Total
 $63,648  $457  $64,993  $989 
 
   
December 31, 2012
 
(in thousands)
 
Recorded Balance
  
Unpaid Contractual Principal Balance
  
Specific Allowance
  
Average Investment in Impaired Loans
  
*Interest Income Recognized
 
Loans without a specific valuation allowance:
               
Commercial construction
 $3,692  $4,146  $0  $4,249  $97 
Commercial secured by real estate
  35,046   35,818   0   35,542   1,337 
Commercial other
  13,285   15,484   0   11,083   416 
Real estate mortgage
  695   695   0   481   30 
                      
Loans with a specific valuation allowance:
                    
Commercial construction
  5,703   6,933   1,820   6,585   0 
Commercial secured by real estate
  3,067   3,189   1,090   3,243   0 
Commercial other
  1,010   2,331   338   1,441   0 
                      
Totals:
                    
Commercial construction
  9,395   11,079   1,820   10,834   97 
Commercial secured by real estate
  38,113   39,007   1,090   38,785   1,337 
Commercial other
  14,295   17,815   338   12,524   416 
Real estate mortgage
  695   695   0   481   30 
Total
 $62,498  $68,596  $3,248  $62,624  $1,880 
 
   
June 30, 2012
 
(in thousands)
 
Recorded Balance
  
Unpaid Contractual Principal Balance
  
Specific Allowance
 
Loans without a specific valuation allowance:
         
Commercial construction
 $4,554  $4,554  $0 
Commercial secured by real estate
  35,835   36,307   0 
Commercial other
  12,253   14,382   0 
Real estate mortgage
  277   278   0 
              
Loans with a specific valuation allowance:
            
Commercial construction
  7,561   8,414   1,823 
Commercial secured by real estate
  3,057   4,196   1,084 
Commercial other
  911   2,239   422 
              
Totals:
            
Commercial construction
  12,115   12,968   1,823 
Commercial secured by real estate
  38,892   40,503   1,084 
Commercial other
  13,164   16,621   422 
Real estate mortgage
  277   278   0 
Total
 $64,448  $70,370  $3,329 

   
Three Months Ended
  
Six Months Ended
 
   
June 30, 2012
  
June 30, 2012
 
(in thousands)
 
Average Investment in Impaired Loans
  
*Interest Income Recognized
  
Average Investment in Impaired Loans
  
*Interest Income Recognized
 
Loans without a specific valuation allowance:
            
Commercial construction
 $4,499  $40  $4,591  $58 
Commercial secured by real estate
  35,964   353   36,235   685 
Commercial other
  12,504   43   9,645   59 
Real estate mortgage
  278   5   279   8 
                  
Loans with a specific valuation allowance:
                
Commercial construction
  7,479   0   6,644   0 
Commercial secured by real estate
  3,059   0   3,222   0 
Commercial other
  939   0   1,884   0 
                  
Totals:
                
Commercial construction
  11,978   40   11,235   58 
Commercial secured by real estate
  39,023   353   39,457   685 
Commercial other
  13,443   43   11,529   59 
Real estate mortgage
  278   5   279   8 
Total
 $64,722  $441  $62,500  $810 

*Cash basis interest is substantially the same as interest income recognized.
Troubled debt restructuring
Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the three and six months ended June 30, 2013 and 2012 and the year ended December 31, 2012:

   
Three Months Ended
June 30, 2013
 
(in thousands)
 
Number of Loans
  
Term Modification
  
Rate Modification
  
Combination
  
Post-Modification Outstanding Balance
 
Commercial:
               
Commercial construction
  3  $493  $0  $0  $493 
Commercial secured by real estate
  15   662   0   0   662 
Commercial other
  13   872   0   0   872 
Residential:
                    
Real estate mortgage
  1   373   0   0   373 
Total troubled debt restructurings
  32  $2,400  $0  $0  $2,400 

   
Six Months Ended
June 30, 2013
 
(in thousands)
 
Number of Loans
  
Term Modification
  
Rate Modification
  
Combination
  
Post-Modification Outstanding Balance
 
Commercial:
               
Commercial construction
  6  $2,603  $0  $0  $2,603 
Commercial secured by real estate
  20   1,267   0   0   1,267 
Commercial other
  22   6,365   0   92   6,457 
Residential:
                    
Real estate mortgage
  1   373   0   0   373 
Total troubled debt restructurings
  49  $10,608  $0  $92  $10,700 

   
Three Months Ended
June 30, 2012
 
(in thousands)
 
Number of Loans
  
Post-Modification Outstanding Balance
 
Commercial:
      
Commercial construction
  5  $557 
Commercial secured by real estate
  2   728 
Commercial other
  10   1,018 
Total troubled debt restructurings
  17  $2,303 

   
Six Months Ended
June 30, 2012
 
(in thousands)
 
Number of Loans
  
Post-Modification Outstanding Balance
 
Commercial:
      
Commercial construction
  5  $557 
Commercial secured by real estate
  5   2,393 
Commercial other
  11   1,066 
Total troubled debt restructurings
  21  $4,016 

   
Year Ended December 31, 2012
 
(in thousands)
 
Number of Loans
  
Post-Modification Outstanding Balance
 
Commercial:
      
Commercial construction
  5  $557 
Commercial secured by real estate
  11   4,506 
Commercial other
  23   3,233 
Residential:
        
Real estate mortgage
  1   391 
Total troubled debt restructurings
  40  $8,687 
Summary of defaulted restructured loans
Presented below, segregated by class of loans, are loans that were modified as troubled debt restructurings which have subsequently defaulted.  CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual.

 (in thousands)
 
Three Months Ended
June 30, 2013
  
Six Months Ended
June 30, 2013
 
   
Number of Loans
  
Recorded Balance
  
Number of Loans
  
Recorded Balance
 
Commercial:
            
Commercial construction
  1  $831   3  $1,159 
Commercial secured by real estate
  1   1,229   3   1,891 
Commercial other
  5   2,061   6   2,073 
Total defaulted restructured loans
  7  $4,121   12  $5,123