Community Trust Bancorp (CTBI) 10-Q 9 Nov 20 2020 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Oct. 31, 2020
Cover [Abstract]
Entity Registrant Name	COMMUNITY TRUST BANCORP INC /KY/
Entity Central Index Key	0000350852
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		17,810,401
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	001-31220
Entity Tax Identification Number	61-0979818
Entity Incorporation, State or Country Code	KY
Entity Address, Address Line One	346 North Mayo Trail
Entity Address, Address Line Two	P.O. Box 2947
Entity Address, City or Town	Pikeville
Entity Address, State or Province	KY
Entity Address, Postal Zip Code	41502
City Area Code	606
Local Phone Number	432-1414
Title of 12(b) Security	Common Stock
Trading Symbol	CTBI
Security Exchange Name	NASDAQ

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Sep. 30, 2020		Dec. 31, 2019
Assets:
Cash and due from banks	$ 58,206		$ 58,680
Interest bearing deposits	199,562		206,003
Cash and cash equivalents	257,768		264,683
Certificates of deposit in other banks	245		245
Debt securities available-for-sale at fair value (amortized cost of $931,919 and $593,945, respectively)	949,089		599,844
Debt securities held-to-maturity at amortized cost (fair value of $0 and $517, respectively)	0		517
Equity securities at fair value	2,212		1,953
Loans held for sale	20,125		1,167
Loans	3,557,899		3,248,664
Allowance for credit losses	(47,986)	[1]	(35,096)
Net loans	3,509,913		3,213,568
Premises and equipment, net	42,115		44,046
Right-of-use asset	13,536		14,550
Federal Home Loan Bank stock	10,123		10,474
Federal Reserve Bank stock	4,887		4,887
Goodwill	65,490		65,490
Bank owned life insurance	70,317		69,269
Mortgage servicing rights	3,109		3,263
Other real estate owned	15,586		19,480
Accrued interest receivable	14,714		14,836
Other assets	41,192		37,731
Total assets	5,020,421		4,366,003
Deposits:
Noninterest bearing	1,103,863		865,760
Interest bearing	2,790,318		2,539,812
Total deposits	3,894,181		3,405,572
Repurchase agreements	367,788		226,917
Federal funds purchased	2,400		7,906
Advances from Federal Home Loan Bank	400		415
Long-term debt	57,841		57,841
Deferred taxes	5,220		5,110
Operating lease liability	12,811		13,729
Finance lease liability	1,446		1,456
Accrued interest payable	5,179		2,839
Other liabilities	28,705		29,332
Total liabilities	4,375,971		3,751,117
Shareholders' equity:
Preferred stock, 300,000 shares authorized and unissued	0		0
Common stock, $5 par value, shares authorized 25,000,000; shares outstanding 2020 - 17,802,012; 2019 - 17,793,165	89,010		88,966
Capital surplus	225,098		224,907
Retained earnings	317,748		296,760
Accumulated other comprehensive income, net of tax	12,594		4,253
Total shareholders' equity	644,450		614,886
Total liabilities and shareholders' equity	$ 5,020,421		$ 4,366,003
[1]	Effective January 1, 2020, the allowance for loan and lease losses became the allowance for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets:
Debt securities available-for-sale at amortized cost	$ 931,919	$ 593,945
Debt securities held-to-maturity at fair value	$ 0	$ 517
Shareholders' equity:
Preferred stock, shares authorized (in shares)	300,000	300,000
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares outstanding (in shares)	17,802,012	17,793,165

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020		Sep. 30, 2019
Interest income:
Interest and fees on loans, including loans held for sale	$ 39,577	$ 41,781	$ 121,306		$ 124,009
Interest and dividends on securities
Taxable	3,220	3,086	9,133		9,338
Tax exempt	629	552	1,752		1,810
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	129	207	407		764
Interest on Federal Reserve Bank deposits	61	1,330	645		3,641
Other, including interest on federal funds sold	10	31	50		131
Total interest income	43,626	46,987	133,293		139,693
Interest expense:
Interest on deposits	4,975	8,649	17,229		25,680
Interest on repurchase agreements and federal funds purchased	691	1,169	2,472		3,516
Interest on advances from Federal Home Loan Bank	0	0	0		39
Interest on long-term debt	280	650	1,206		1,929
Total interest expense	5,946	10,468	20,907		31,164
Net interest income	37,680	36,519	112,386		108,529
Provision for credit losses	2,433	1,253	15,091	[1]	3,006
Net interest income after provision for credit losses	35,247	35,266	97,295		105,523
Noninterest income:
Service charges on deposit accounts	6,296	6,859	17,179		19,504
Gains on sales of loans, net	2,470	450	4,706		1,298
Trust and wealth management income	2,692	2,725	8,145		8,065
Loan related fees	1,383	622	2,300		1,635
Bank owned life insurance	602	590	1,739		1,837
Brokerage revenue	310	418	995		978
Securities gains	142	14	1,328		574
Other noninterest income	1,016	711	2,919		2,920
Total noninterest income	14,911	12,389	39,311		36,811
Noninterest expense:
Officer salaries and employee benefits	3,115	2,812	8,970		9,483
Other salaries and employee benefits	13,022	12,208	37,351		37,583
Occupancy, net	2,029	2,031	5,952		5,894
Equipment	695	776	2,102		2,264
Data processing	1,936	1,987	5,789		5,539
Bank franchise tax	1,815	1,656	5,439		5,054
Legal fees	467	555	1,440		1,409
Professional fees	534	577	1,617		1,654
Advertising and marketing	797	894	1,999		2,560
FDIC insurance	295	(280)	736		266
Other real estate owned provision and expense	505	2,476	1,975		4,271
Repossession expense	285	334	595		823
Amortization of limited partnership investments	984	745	2,792		2,688
Other noninterest expense	2,994	3,111	8,846		9,507
Total noninterest expense	29,473	29,882	85,603		88,995
Income before income taxes	20,685	17,773	51,003		53,339
Income taxes	3,238	2,504	7,325		4,807
Net income	17,447	15,269	43,678		48,532
Unrealized holding gains on debt securities available-for-sale:
Unrealized holding gains arising during the period	2,107	2,538	12,340		15,184
Less: Reclassification adjustments for realized gains (losses) included in net income	24	(2)	1,069		4
Tax expense	541	664	2,930		3,640
Other comprehensive income, net of tax	1,542	1,876	8,341		11,540
Comprehensive income	$ 18,989	$ 17,145	$ 52,019		$ 60,072
Basic earnings per share (in dollars per share)	$ 0.98	$ 0.86	$ 2.46		$ 2.74
Diluted earnings per share (in dollars per share)	$ 0.98	$ 0.86	$ 2.46		$ 2.74
Weighted average shares outstanding-basic (in shares)	17,746	17,726	17,746		17,720
Weighted average shares outstanding-diluted (in shares)	17,752	17,743	17,753		17,733
[1]	Effective January 1, 2020, the provision for loan losses became the provision for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member]Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Capital Surplus [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at Dec. 31, 2018	$ 88,665	$ 223,161	$ 258,935	$ (6,611)	$ 564,150	$ 88,665	$ 223,161	$ 258,455	$ (6,611)	$ 563,670
Balance (ASU 2016-02 [Member]) at Dec. 31, 2018								(480)	0	(480)
Balance (in shares) at Dec. 31, 2018	17,732,853					17,732,853
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			48,532		48,532
Other comprehensive income, net of tax				11,540	11,540
Cash dividends declared			(19,494)		(19,494)
Issuance of common stock	$ 148	533			681
Issuance of common stock (in shares)	29,725
Issuance of restricted stock	$ 140	(140)			0
Issuance of restricted stock (in shares)	27,921
Vesting of restricted stock	$ (64)	64			0
Vesting of restricted stock (in shares)	(12,660)
Forfeiture of restricted stock	$ (3)	3			0
Forfeiture of restricted stock (in shares)	(588)
Stock-based compensation		589			589
Balance at Sep. 30, 2019	$ 88,886	224,210	287,493	4,929	605,518
Balance (in shares) at Sep. 30, 2019	17,777,251
Balance at Jun. 30, 2019	$ 88,862	223,833	278,960	3,053	594,708
Balance (in shares) at Jun. 30, 2019	17,772,309
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			15,269		15,269
Other comprehensive income, net of tax				1,876	1,876
Cash dividends declared			(6,736)		(6,736)
Issuance of common stock	$ 24	183			207
Issuance of common stock (in shares)	4,942
Stock-based compensation		194			194
Balance at Sep. 30, 2019	$ 88,886	224,210	287,493	4,929	605,518
Balance (in shares) at Sep. 30, 2019	17,777,251
Balance at Dec. 31, 2019	$ 88,966	224,907	296,760	4,253	$ 614,886	$ 88,966	$ 224,907	294,394	$ 4,253	612,520
Balance (ASU 2016-13 [Member]) at Dec. 31, 2019								$ (2,366)		$ (2,366)
Balance (in shares) at Dec. 31, 2019	17,793,165				17,793,165	17,793,165
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			43,678		$ 43,678
Other comprehensive income, net of tax				8,341	8,341
Cash dividends declared			(20,324)		(20,324)
Issuance of common stock	$ 185	504			689
Issuance of common stock (in shares)	36,952
Repurchase of common stock	$ (164)	(935)			(1,099)
Repurchase of common stock (in shares)	(32,664)
Issuance of restricted stock	$ 108	(108)			0
Issuance of restricted stock (in shares)	21,544
Vesting of restricted stock	$ (85)	85			0
Vesting of restricted stock (in shares)	(16,985)
Stock-based compensation		645			645
Balance at Sep. 30, 2020	$ 89,010	225,098	317,748	12,594	$ 644,450
Balance (in shares) at Sep. 30, 2020	17,802,012				17,802,012
Balance at Jun. 30, 2020	$ 88,973	224,688	307,134	11,052	$ 631,847
Balance (in shares) at Jun. 30, 2020	17,794,598
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			17,447		17,447
Other comprehensive income, net of tax				1,542	1,542
Cash dividends declared			(6,833)		(6,833)
Issuance of common stock	$ 37	195			232
Issuance of common stock (in shares)	7,414
Stock-based compensation		215			215
Balance at Sep. 30, 2020	$ 89,010	$ 225,098	$ 317,748	$ 12,594	$ 644,450
Balance (in shares) at Sep. 30, 2020	17,802,012				17,802,012

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Increase (Decrease) in Stockholders' Equity [Roll forward]
Other comprehensive income, tax	$ 541	$ 664	$ 2,930	$ 3,640
Dividends declared per share (in dollars per share)	$ 0.385	$ 0.38	$ 1.145	$ 1.10

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020		Sep. 30, 2019
Cash flows from operating activities:
Net income	$ 43,678		$ 48,532
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	4,063		4,132
Deferred taxes	(2,034)		(2,586)
Stock-based compensation	708		645
Provision for credit losses	15,091	[1]	3,006
Write-downs of other real estate owned	1,021		3,353
Gains on sale of mortgage loans held for sale	(4,706)		(1,298)
Securities gains, net	(1,069)		(4)
Change in fair market value of equity securities	(259)		(570)
Gain on debt repurchase	0		(219)
Gains (losses) on sale of assets, net	(120)		359
Proceeds from sale of mortgage loans held for sale	224,796		65,893
Funding of mortgage loans held for sale	(239,048)		(64,077)
Amortization of securities premiums and discounts, net	4,049		3,720
Change in cash surrender value of bank owned life insurance	(1,048)		(1,227)
Payment of operating lease liabilities	(1,269)		(1,255)
Mortgage servicing rights:
Fair value adjustments	1,325		1,149
New servicing assets created	(1,171)		(446)
Changes in:
Accrued interest receivable	122		1,163
Other assets	(3,461)		6,259
Accrued interest payable	2,340		3,755
Other liabilities	(818)		(8,194)
Net cash provided by operating activities	42,190		62,090
Certificates of deposit in other banks:
Maturity of certificates of deposit	0		3,675
Securities available-for-sale (AFS):
Purchase of AFS securities	(645,652)		(194,884)
Proceeds from the sales of AFS securities	82,314		25,734
Proceeds from prepayments and maturities of AFS securities	222,385		124,384
Securities held-to-maturity (HTM):
Proceeds from maturities of HTM securities	517		132
Change in loans, net	(314,299)		(9,319)
Purchase of premises and equipment	(766)		(1,825)
Proceeds from sale and retirement of premises and equipment	0		46
Redemption of stock by Federal Home Loan Bank	351		3,919
Proceeds from sale of other real estate and repossessed assets	2,814		2,797
Additional investment in bank owned life insurance	0		(1,241)
Proceeds from settlement of bank owned life insurance	0		615
Net cash used in investing activities	(652,336)		(45,967)
Cash flows from financing activities:
Change in deposits, net	488,609		83,605
Change in repurchase agreements and federal funds purchased, net	135,365		763
Proceeds from Federal Home Loan Bank advances	25,000		30,000
Payments on advances from Federal Home Loan Bank	(25,015)		(30,015)
Payment of finance lease liabilities	(10)		(11)
Repurchase of long-term debt	0		(1,281)
Issuance of common stock	689		681
Repurchase of common stock	(1,099)		0
Dividends paid	(20,308)		(19,494)
Net cash provided by financing activities	603,231		64,248
Net increase (decrease) in cash and cash equivalents	(6,915)		80,371
Cash and cash equivalents at beginning of period	264,683		141,450
Cash and cash equivalents at end of period	257,768		221,821
Supplemental disclosures:
Income taxes paid	13,100		8,784
Interest paid	18,567		27,408
Non-cash activities:
Loans to facilitate the sale of other real estate owned	2,279		2,820
Common stock dividends accrued, paid in subsequent quarter	236		220
Real estate acquired in settlement of loans	$ 2,100		$ 1,889
[1]	Effective January 1, 2020, the provision for loan losses became the provision for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2020
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 1 - Summary of Significant Accounting Policies In the opinion of management, the unaudited condensed consolidated financial statements include all adjustments (which consist of normal recurring adjustments) necessary, to present fairly the condensed consolidated financial position as of September 30, 2020, the results of operations, other comprehensive income, and changes in shareholders’ equity, for the three and nine months ended September 30, 2020 and 2019. and cash flows for the nine months ended September 30,2020 and 2019. In accordance with accounting principles generally accepted in the United States of America for interim financial information, these statements do not include certain information and footnote disclosures required by accounting principles generally accepted in the United States of America for complete annual financial statements. The results of operations for the three and nine months ended September 30,2020 and 2019 and cash flows for the nine months ended September 30, 2020 and 2019 are not necessarily indicative of the results to be expected for the full year. The condensed consolidated balance sheet as of December 31, 2019 has been derived from the audited consolidated financial statements of Community Trust Bancorp, Inc. (“CTBI”) for that period. For further information, refer to the consolidated financial statements and footnotes thereto for the year ended December 31, 2019, included in our annual report on Form 10-K. Principles of Consolidation – Reclassifications – New Accounting Standards ➢ Accounting for Credit Losses Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. Credit losses relating to available-for-sale debt securities are recorded through an allowance for credit losses rather than as a direct write-down to the security. Management estimates potential losses on unfunded commitments, which are not unconditionally cancellable by CTBI, by calculating an anticipated funding rate based on internal data and applies an estimated loss factor to the amounts expected to be funded. CTBI maintains an unfunded commitment allowance as part of other liabilities. The impact of the implementation of ASU No. 2016-13 was an increase of $112 thousand to this allowance and an $84 thousand impact to equity, net of tax. ASU 2016-13 is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. CTB elected ASU 2019-04 which allows that accrued interest will continue to be presented separately and not part of amortized cost on loans. The difference in amortized cost basis versus consideration of loan balances impacts the ACL calculation by one basis point and is considered immaterial. The primary difference is for indirect lending premiums. Per ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans, then the loan shall be evaluated for expected credit losses on an individual basis. In determining what loans should be evaluated individually, CTBI has established that any loan with a balance of $1.0 million or greater that has one of the following characteristics with be individually evaluated: has a criticized risk rating, is in nonaccrual status, is a troubled debt restructuring (“TDR”), or is 90 days or more past due. Loans that meet the above criteria will be tested individually for loss exposure on a quarterly basis using a fair market value of the collateral securing the loan less estimated selling costs as compared to the recorded investment of the loan (principal plus interest owed unless in a nonaccrual status). As an alternative, loans that are dependent upon the cash flows from business operations may be tested by determining the net present value of future cash flows discounted by the effective interest rate of the loan over the remaining term of the loan as appropriate. A specific valuation reserve will be established for any individually tested loans that have loss exposure unless a charge-down of the loan balance is more appropriate. As previously disclosed, CTBI formed an implementation team to oversee the adoption of the ASU including assessing the impact on its accounting and disclosures. The implementation team was a cross-functional working group comprised of individuals from areas including credit, finance, and operations. The team has established the historical data available and has identified the loan segments to be analyzed. Credit losses for loans that no longer share similar risk characteristics are estimated on an individual basis. The team has determined the portfolio methodologies and relevant economic factors to be utilized and began running parallel with its current model as part of the monthly fourth quarter 2019 loan portfolio analysis. December 31, 2019 Probable Incurred Losses January 1, 2020 CECL Adoption (dollars in thousands) Amount % of Portfolio Amount % of Portfolio Allowance for loan and lease losses transitioned to allowance for credit losses: Commercial $ 21,683 1.30 % $ 21,680 1.30 % Residential mortgage 5,501 0.61 % 7,319 0.81 % Consumer direct 1,711 1.16 % 1,671 1.13 % Consumer indirect 6,201 1.18 % 7,467 1.42 % Total allowance for loan and lease losses/allowance for credit losses $ 35,096 1.08 % $ 38,137 1.17 % Reserve for unfunded lending commitments $ 274 $ 386 In December 2018, the Office of the Comptroller of the Currency (the “OCC”), the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”), and the FDIC (the “FDIC” and, together with the Federal Reserve Board and the OCC, the “federal banking regulators”) approved a final rule to address changes to credit loss accounting under GAAP, including banking organizations’ implementation of CECL. The final rule provided banking organizations the option to phase in over a three-year period the day-one adverse effects on regulatory capital that may result from the adoption of the new accounting standard. On March 27, 2020, pursuant to the Coronavirus Aid, Relief and Economic Security Act (the “CARES Act”), federal banking regulators issued an interim final rule that delays the estimated impact on regulatory capital stemming from the implementation of CECL for a transition period of up to five years (the “CECL IFR”). The CECL IFR provides banking organizations that are required (as of January 1, 2020) to adopt CECL for accounting purposes under U.S. generally accepted accounting principles during 2020 an option to delay an estimate of CECL’s impact on regulatory capital. The capital relief in the CECL IFR is calibrated to approximate the difference in allowances under CECL relative to the incurred loss methodology for the first two years of the transition period. The cumulative difference at the end of the second year of the transition period is then phased in to regulatory capital over a three-year transition period. In this way, the CECL IFR gradually phases in the full effect of CECL on regulatory capital, providing a five-year transition period. CTBI adopted CECL effective January 1, 2020 and chose the option to delay the estimated impact on regulatory capital using the relief options described above. ➢ Simplifying the Test for Goodwill Impairment Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment ➢ Changes to the Disclosure Requirements for Fair Value Measurement Fair Value Measurement (Topic 820)—Disclosure Framework—Changes to the Disclosure Requirements for Fair Value Measurement Removals The following disclosure requirements were removed from Topic 820: • The amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy • The policy for timing of transfers between levels • The valuation processes for Level 3 fair value measurements Modifications The following disclosure requirements were modified in Topic 820: • For investments in certain entities that calculate net asset value, an entity is required to disclose the timing of liquidation of an investee’s assets and the date when restrictions from redemption might lapse only if the investee has communicated the timing to the entity or announced the timing publicly; and • The amendments clarify that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. Additions The following disclosure requirements were added to Topic 820: • The changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period; and • The range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information (such as the median or arithmetic average) in lieu of the weighted average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. In addition, the amendments eliminate “at a minimum” from the phrase “an entity shall disclose at a minimum” to promote the appropriate exercise of discretion by entities when considering fair value measurement disclosures and to clarify that materiality is an appropriate consideration of entities and their auditors when evaluating disclosure requirements. CTBI adopted ASU 2018-13 effective January 1, 2020 with minimal changes to our current reporting. ➢ Accounting for Costs of Implementing a Cloud Computing Service Agreement Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract The ASU aligns the following requirements for capitalizing implementation costs: • Those incurred in a hosting arrangement that is a service contract, and • Those incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). This ASU was effective beginning January 1, 2020 with no significant impact to our consolidated financial statements. ➢ Simplifying the Accounting for Income Taxes Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes 1. Exception to the incremental approach for intra period tax allocation when there is a loss from continuing operations and income or a gain from other items (for example, discontinued operations or other comprehensive income); 2. Exception to the requirement to recognize a deferred tax liability for equity method investments when a foreign subsidiary becomes an equity method investment; 3. Exception to the ability not to recognize a deferred tax liability for a foreign subsidiary when a foreign equity method investment becomes a subsidiary; and 4. Exception to the general methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year. The amendments in this ASU also simplify the accounting for income taxes by doing the following: 1. Requiring that an entity recognize a franchise tax (or similar tax) that is partially based on income as an income-based tax and account for any incremental amount incurred as a non-income-based tax; 2. Requiring that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill was originally recognized and when it should be considered a separate transaction; 3. Specifying that an entity is not required to allocate the consolidated amount of current and deferred tax expense to a legal entity that is not subject to tax in its separate financial statements. However, an entity may elect to do so (on an entity-by-entity basis) for a legal entity that is both not subject to tax and disregarded by the taxing authority; 4. Requiring that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date; and 5. Making minor codification improvements for income taxes related to employee stock ownership plans and investments in qualified affordable housing projects accounted for using the equity method. For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. Early adoption is permitted. We do not anticipate a significant impact to our consolidated financial statements. ➢ Clarifying the Interactions between Topic 321 Topic 323 and Topic 815 a consensus of the FASB Emerging Task Force Investments—Equity Securities (Topic 321), Investments—Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) Financial Instruments ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting In response to concerns about structural risks of interbank offered rates, and, particularly, the risk of cessation of the London Interbank Offered Rate (LIBOR), regulators around the world have undertaken reference rate reform initiatives to identify alternative reference rates that are more observable or transaction-based and less susceptible to manipulation. The amendments in this ASU provide optional guidance for a limited time to ease the potential burden in accounting for (or recognizing the effects) of reference rate reform on financial reporting and provide optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. This ASU applies only to contracts and hedging relationships that reference LIBOR or another reference rate expected to be discontinued due to reference rate reform. The expedients and exceptions provided by the amendments do not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022. The amendments in this ASU are elective and are effective upon issuance for all entities. The adoption of this ASU is not expected to have material impact on our consolidated financial statements. Critical Accounting Policies and Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires the appropriate application of certain accounting policies, many of which require us to make estimates and assumptions about future events and their impact on amounts reported in our consolidated financial statements and related notes. Since future events and their impact cannot be determined with certainty, the actual results will inevitably differ from our estimates. Such differences could be material to the consolidated financial statements. We believe the application of accounting policies and the estimates required therein are reasonable. These accounting policies and estimates are constantly reevaluated, and adjustments are made when facts and circumstances dictate a change. Historically, we have found our application of accounting policies to be appropriate, and actual results have not differed materially from those determined using necessary estimates. We have identified the following critical accounting policies: Investments Investments – Debt Securities a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as held-to-maturity securities) shall be classified as available-for-sale securities. We do not have any securities that are classified as trading securities. Available-for-sale securities are reported at fair value, with unrealized gains and losses included as a separate component of shareholders’ equity, net of tax. If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. Gains or losses on disposition of debt securities are computed by specific identification for those securities. Interest and dividend income, adjusted by amortization of purchase premium or discount, is included in earnings. With the implementation of CECL, an allowance will be recognized for credit losses relative to available-for-sale securities rather than as a reduction in the cost basis of the security. Subsequent improvements in credit quality or reductions in estimated credit losses will be recognized immediately as a reversal of the previously recorded allowance, which aligns the income statement recognition of credit losses with the reporting period in which changes occur. Held-to-maturity (“HTM”) securities will be subject to CECL. CECL will require an allowance on these held-to-maturity debt securities for lifetime expected credit losses, determined by adjusting historical loss information for current conditions and reasonable and supportable forecasts. The forward-looking evaluation of lifetime expected losses will be performed on a pooled basis for debt securities that share similar risk characteristics. These allowances for expected losses must be made by the holder of the HTM debt security when the security is purchased. At September 30, 2020, CTBI held no securities designated as held-to-maturity. CTBI accounts for equity securities in accordance with ASC 321, Investments – Equity Securities Equity securities with a readily determinable fair value are required to be measured at fair value, with changes in fair value recognized through net income. Equity securities without a readily determinable fair value are carried at cost, less any impairment, if any, plus or minus changes resulting from observable price changes for identical or similar investments. As permitted by ASC 321-10-35-2, CTBI can make an irrevocable election to subsequently measure an equity security without a readily determinable fair value, and all identical or similar investments of the same issuer, including future purchases of identical or similar investments of the same issuer, at fair value. CTBI has made this election for its Visa Class B equity securities. The fair value of these securities was determined by a third party service provider using Level 3 inputs as defined in ASC 820, Fair Value Measurement Loans The provisions of the CARES Act included an election to not apply the guidance on accounting for troubled debt restructurings to loan modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December 31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for borrowers that were not more than 30 days past due as of December 31, 2019. CTBI elected to adopt these provisions of the CARES Act. Loan origination and commitment fees and certain direct loan origination costs are deferred and the net amount amortized over the estimated life of the related loans, leases, or commitments as a yield adjustment. Allowance for Credit Losses In the event that collection of principal becomes uncertain, CTBI has policies in place to reverse accrued interest in a timely manner. Therefore, CTBI elected ASU 2019-04 which allows that accrued interest would continue to be presented separately and not part of amortized cost on loan. The methodology used by CTBI is developed using the current loan balance, which is then compared to amortized cost balances to analyze the impact. The difference in amortized cost basis versus consideration of loan balances impacts the allowance for credit losses calculation by one basis point and is considered immaterial. The primary difference is for indirect lending premiums. We maintain an allowance for credit losses (“ACL”) at a level that is appropriate to cover estimated credit losses on individually evaluated loans, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Credit losses are charged and recoveries are credited to the ACL. We utilize an internal risk grading system for commercial credits. Those credits that meet the following criteria are subject to individual evaluation: the loan has an outstanding bank share balance of $1 million or greater and (i) has a criticized risk rating, (ii) is in nonaccrual status, (iii) is a TDR, or (iv) is 90 days or more past due. The borrower’s cash flow, adequacy of collateral coverage, and other options available to CTBI, including legal remedies, are evaluated. We evaluate the collectability of both principal and interest when assessing the need for loss provision. Historical loss rates are analyzed and applied to other commercial loan segments not subject to individual evaluation. Homogenous loans, such as consumer installment, residential mortgages, and home equity lines are not individually risk graded. The associated ACL for these loans is measured in pools with similar risk characteristics under ASC 326. When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell. For commercial loans greater than $ When the foreclosed collateral has been legally assigned to CTBI, the estimated fair value of the collateral less costs to sell is then transferred to other real estate owned or other repossessed assets, and a charge-off is taken for any remaining balance. When any unsecured commercial loan is considered uncollectable the loan is charged off no later than at days past due. All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off no later than 120 days (5 monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual. Foreclosure proceedings are normally initiated after 120 days. When the foreclosed property has been legally assigned to CTBI, the fair value less estimated costs to sell is transferred to other real estate owned and the remaining balance is taken as a charge-off. Historical loss rates for loans are adjusted for significant factors that, in management’s judgment, reflect the impact of any current conditions on loss recognition. With the implementation of ASC 326, weighted average life (“WAL”) calculations were completed as a tool to determine the life of CTBI’s various loan segments. Vintage modeling was used to determine the life of loan losses for consumer and residential real estate loans. Static pool modeling was used to determine the life of loan losses for commercial loan segments. Qualitative factors used to derive CTBI’s total ACL include delinquency trends, current economic conditions and trends, strength of supervision and administration of the loan portfolio, levels of underperforming loans, trends in loan losses, and underwriting exceptions. With the implementation of ASC 326, forecasting factors including unemployment rates and industry specific forecasts for industries in which our total exposure is 5% of capital or greater are also included as factors in the ACL model. Management continually reevaluates the other subjective factors included in its ACL analysis. Troubled Debt Restructurings – When we modify loans and leases in a troubled debt restructuring, we evaluate any possible impairment based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, or use the current fair value of the collateral, less selling costs for collateral dependent loans. If we determined that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, we evaluate troubled debt restructurings, including those that have payment defaults, for possible impairment and recognize impairment through the allowance. Other Real Estate Owned Income Taxes

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
	Sep. 30, 2020
Stock-Based Compensation [Abstract]
Stock-Based Compensation	Note 2 – Stock-Based Compensation There was no compensation expense related to stock option grants for the three months ended September 30, 2020. CTBI’s compensation expense related to stock option grants was $2 thousand for the nine months ended September 30, 2020 and $8 thousand and $29 thousand, respectively, for the three and nine months ended September 30, 2019. As of September 30, 2020, there was no unrecognized compensation expense related to unvested stock option awards, as all stock option awards have fully vested. There were no stock options granted in the first nine months of 2020 or 2019. Restricted stock expense for the three and nine months ended September 30, 2020 was $236 thousand and $706 thousand, respectively, including $21 thousand and $63 thousand in dividends paid for each period. Restricted stock expense for the three and nine months ended September 30, 2019 was $205 thousand and $616 thousand, respectively, including $19 thousand and $56 thousand in dividends paid for each period. As of September 30, 2020, there was a total of $1.7 million of unrecognized compensation expense related to restricted stock grants that will be recognized as expense as the awards vest over a weighted average period of 2.7 years. No shares of restricted stock were granted during the three months ended September 30, 2020 and 2019. There were 21,544 and 27,921 shares of restricted stock granted during the nine months ended September 30, 2020 and 2019, respectively. The restricted stock was issued pursuant to the terms of CTBI’s 2015 Stock Ownership Incentive Plan. The restrictions on the restricted stock will lapse ratably over four years, except for a 2,500 management retention restricted stock award granted in January 2020 which will vest at the end of five years, subject to such management employee’s continued employment. However, in the event of certain participant employee termination events occurring within 24 months of a change in control of CTBI or the death of the participant, the restrictions will lapse, and in the event of the participant’s disability, the restrictions will lapse on a pro rata basis. The Compensation Committee will have discretion to review and revise restrictions applicable to a participant’s restricted stock in the event of the participant’s retirement.

Securities

Securities	9 Months Ended
	Sep. 30, 2020
Securities [Abstract]
Securities	Note 3 – Securities Debt securities are classified into held-to-maturity and available-for-sale categories. Held-to-maturity (HTM) securities are those that CTBI has the positive intent and ability to hold to maturity and are reported at amortized cost. Available-for-sale (AFS) securities are those that CTBI may decide to sell if needed for liquidity, asset-liability management or other reasons. Available-for-sale securities are reported at fair value, with unrealized gains or losses included as a separate component of equity, net of tax. As of September 30 CTBI had held-to-maturity securities. The amortized cost and fair value of debt securities at September are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 85,095 $ 535 $ (249 ) $ 85,381 State and political subdivisions 124,997 6,334 (26 ) 131,305 U.S. government sponsored agency mortgage-backed securities 665,331 11,783 (240 ) 676,874 Other debt securities 56,496 0 (967 ) 55,529 Total available-for-sale securities $ 931,919 $ 18,652 $ (1,482 ) $ 949,089 The amortized cost and fair value of debt securities at December are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 171,250 $ 476 $ (576 ) $ 171,150 State and political subdivisions 99,403 2,941 (37 ) 102,307 U.S. government sponsored agency mortgage-backed securities 291,874 4,443 (1,072 ) 295,245 Other debt securities 31,418 0 (276 ) 31,142 Total available-for-sale securities $ 593,945 $ 7,860 $ (1,961 ) $ 599,844 Held-to-Maturity (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value State and political subdivisions $ 517 $ 0 $ 0 $ 517 Total held-to-maturity securities $ 517 $ 0 $ 0 $ 517 The amortized cost and fair value of debt securities at September by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale (in thousands) Amortized Cost Fair Value Due in one year or less $ 10,746 $ 10,775 Due after one through five years 17,907 18,451 Due after five through ten years 93,860 95,061 Due after ten years 87,579 92,399 U.S. government sponsored agency mortgage-backed securities 665,331 676,874 Other debt securities 56,496 55,529 Total debt securities $ 931,919 $ 949,089 During the three months ended September we had a net securities gain of , consisting of a pre-tax gain of realized on sales and calls of AFS securities and an unrealized gain of from the fair market value adjustment of equity securities. During the three months ended September we had a net securities gain of , consisting of a pre-tax loss of realized on calls of AFS securities and an unrealized gain of from the fair market value adjustment of equity securities. During the nine months ended September 30, 2020, we had a net securities gain of $1.3 million, consisting of a pre-tax gain of $1.0 million realized on sales and calls of AFS securities and an unrealized gain of $0.3 million from the fair market value adjustment of equity securities. During the nine months ended September 30, 2019, we had a net securities gain of $574 thousand, consisting of a pre-tax gain of $4 thousand realized on sales and calls of AFS securities and an unrealized gain of $570 thousand from the fair market value adjustment of equity securities. Equity Securities at Fair Value CTBI made the election permitted by ASC - - - to record its Visa Class B shares at fair value. Equity securities at fair value as of September were , as a result of a increase in the fair market value in the quarter The fair market value of equity securities increased in the quarter equity securities were sold during the three or nine months ended September 30, 2020 and 2019 The amortized cost of securities pledged as collateral, to secure public deposits and for other purposes, was at September and at December The amortized cost of securities sold under agreements to repurchase amounted to at September and at December CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of September indicates that all impairment is considered temporary, market and interest rate driven, and not credit-related. The of total debt securities with unrealized losses as of September was compared to as of December The following tables provide the amortized cost, gross unrealized losses, and fair market value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of September that are not deemed to have credit losses. As stated above, CTBI had no HTM securities as of September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 5,870 $ (8 ) $ 5,862 State and political subdivisions 2,670 (26 ) 2,644 U.S. government sponsored agency mortgage-backed securities 68,751 (182 ) 68,569 Other debt securities 30,170 (322 ) 29,848 Total <12 months impaired AFS securities 107,461 (538 ) 106,923 12 Months or More U.S. Treasury and government agencies 60,681 (241 ) 60,440 State and political subdivisions 0 0 0 U.S. government sponsored agency mortgage-backed securities 14,300 (58 ) 14,242 Other debt securities 26,326 (645 ) 25,681 Total ≥12 months impaired AFS securities 101,307 (944 ) 100,363 Total U.S. Treasury and government agencies 66,551 (249 ) 66,302 State and political subdivisions 2,670 (26 ) 2,644 U.S. government sponsored agency mortgage-backed securities 83,051 (240 ) 82,811 Other debt securities 56,496 (967 ) 55,529 Total impaired AFS securities $ 208,768 $ (1,482 ) $ 207,286 The analysis performed as of December indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following tables provide the amortized cost, gross unrealized losses, and fair market value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December that are not deemed to be other-than-temporarily impaired. There were no held-to-maturity securities that were deemed to be impaired as of December Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 25,955 $ (148 ) $ 25,807 State and political subdivisions 8,356 (37 ) 8,319 U.S. government sponsored agency mortgage-backed securities 19,317 (100 ) 19,217 Other debt securities 31,418 (276 ) 31,142 Total <12 months temporarily impaired AFS securities 85,046 (561 ) 84,485 12 Months or More U.S. Treasury and government agencies 82,339 (428 ) 81,911 State and political subdivisions 0 0 0 U.S. government sponsored agency mortgage-backed securities 91,609 (972 ) 90,637 Other debt securities 0 0 0 Total ≥12 months temporarily impaired AFS securities 173,948 (1,400 ) 172,548 Total U.S. Treasury and government agencies 108,294 (576 ) 107,718 State and political subdivisions 8,356 (37 ) 8,319 U.S. government sponsored agency mortgage-backed securities 110,926 (1,072 ) 109,854 Other debt securities 31,418 (276 ) 31,142 Total temporarily impaired AFS securities $ 258,994 $ (1,961 ) $ 257,033 U.S. Treasury and Government Agencies The unrealized losses in U.S. Treasury and government agencies were caused by interest rate increases. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. State and Political Subdivisions The unrealized losses in securities of state and political subdivisions were caused by interest rate increases. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments before recovery of their amortized cost and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. U.S. Government Sponsored Agency Mortgage-Backed Securities The unrealized losses in U.S. government sponsored agency mortgage-backed securities were caused by interest rate increases. CTBI expects to recover the amortized cost basis over the term of the securities. CTBI does not intend to sell the investments, and it is not more likely than not we will be required to sell the investments before recovery of their amortized cost. Other Debt Securities The unrealized losses in other debt securities were caused by interest rate increases. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost.

Loans

Loans	9 Months Ended
	Sep. 30, 2020
Loans [Abstract]
Loans	Note 4 – Loans Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows: (in thousands) September 30 2020 Hotel/motel $ 259,017 Commercial real estate residential 284,428 Commercial real estate nonresidential 742,436 Dealer floorplans 63,393 Commercial other 279,808 Commercial unsecured SBA PPP 270,271 Commercial loans 1,899,353 Real estate mortgage 783,818 Home equity lines 105,454 Residential loans 889,272 Consumer direct 153,666 Consumer indirect 615,608 Consumer loans 769,274 Loans and lease financing $ 3,557,899 (in thousands) December 31 2019 Commercial construction $ 104,809 Commercial secured by real estate 1,169,975 Equipment lease financing 481 Commercial other 389,683 Real estate construction 63,350 Real estate mortgage 733,003 Home equity 111,894 Consumer direct 148,051 Consumer indirect 527,418 Total loans $ 3,248,664 The segments presented for September 30, 2020 reflect the implementation of ASU No. 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments CTBI has segregated and evaluates its loan portfolio through nine portfolio segments with similar risk characteristics. CTBI serves customers in small and mid-sized communities in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. Therefore, CTBI’s exposure to credit risk is significantly affected by changes in these communities. Hotel/motel loans are a significant concentration for CTBI, representing approximately of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. Additionally, any hotel/motel construction loans would be included in this segment as CTBI’s construction loans are primarily completed as loan going from construction to permanent financing. These loans are originated based on the borrower’s ability to service the debt and arily based on the fair value of the underlying collateral. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose - family/multi-family properties. These loans are originated based on the borrower’s ability to service the debt and arily based on the fair value of the underlying collateral. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. These loans are originated based on the borrower’s ability to service the debt and arily based on the fair value of the underlying collateral. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally loan for construction to permanent financing. Prior to the implementation of ASU No. - all commercial real estate loans were segmented together with construction loans presented separately. Dealer floorplans have historically been reviewed by management as a separate segment of the commercial loan portfolio although for SEC reporting they were combined within the commercial other segment. With the implementation of ASU No. 2016-13, CTBI segmented dealer floorplans separately as they are a unique product with unique risk factors. The primary unique factor relevant to dealer floorplans is the ability of the borrower to misappropriate funds provided at the point of sale as their floorplan is collateralized under a blanket security agreement and without specific liens on individual units. This risk is mitigated by the use of periodic inventory audits. These audits are performed monthly and follow up is required on any out of compliance items identified. These audits are subject to increasing frequency when fact patterns suggest more scrutiny is required. Commercial other loans consist of commercial check loans, agricultural loans, receivable financing, loans to financial institutions, loans for purchasing or carrying securities, and other commercial purpose loans. Commercial loans are underwritten based on the borrower’s ability to service debt from the business’s underlying cash flows. As a general practice, we obtain collateral such as equipment, or other assets, although such loans may be uncollateralized but guaranteed. CTBI participated in the Paycheck Protection Program (“PPP”) established by the CARES Act resulting in a new loan segment of unsecured commercial other loans that are one hundred percent guaranteed by the Small Business Administration (“SBA”). These loans, which are subject to forgiveness, have maturities of either two or three to five years, depending on when the loan was made. These loans currently have no allowance for credit losses. Residential real estate loans are a mixture of fixed rate and adjustable rate and lien residential mortgage loans and also include real estate construction loans which are typically for owner-occupied properties. The terms of the real estate construction loans are generally short-term with permanent financing upon completion. As a policy, CTBI holds adjustable rate loans and sells the majority of its fixed rate lien mortgage loans into the ary market. Changes in interest rates or market conditions may impact a borrower’s ability to meet contractual principal and interest payments. Residential real estate loans are secured by real property. Home equity lines are primarily revolving adjustable rate credit lines secured by real property. Consumer direct loans are a mixture of fixed rate and adjustable rate products comprised of unsecured loans, consumer revolving credit lines, deposit secured loans, and all other consumer purpose loans. Consumer indirect loans are fixed rate loans secured by automobiles, trucks, vans, and recreational vehicles originated at the selling dealership underwritten and purchased by CTBI’s indirect lending department. Both new and used products are financed. Only dealers who have executed dealer agreements with CTBI participate in the indirect lending program. Not included in the loan balances above were loans held for sale in the amount of $20.1 million at September 30, 2020 and $1.2 million at December 31, 2019. The following tables present the balance in the allowance for credit losses (“ACL”) for the period ended September 30, 2020 and the balance in the allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2019 and September 30, 2019: Three Months Ended September 30, 2020 (in thousands) Hotel/ Motel Commercial Real Estate Residential Commercial Real Estate Nonresidential Dealer Floorplans Commercial Other Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ACL Beginning balance $ 6,132 $ 3,439 $ 11,408 $ 1,585 $ 4,703 $ 7,336 $ 856 $ 1,932 $ 9,243 $ 46,634 Provision charged to expense (81 ) 1,224 475 (172 ) 112 524 56 42 253 2,433 Losses charged off (42 ) (50 ) (761 ) 0 (318 ) (97 ) (4 ) (150 ) (846 ) (2,268 ) Recoveries 0 5 32 0 101 23 1 95 930 1,187 Ending balance $ 6,009 $ 4,618 $ 11,154 $ 1,413 $ 4,598 $ 7,786 $ 909 $ 1,919 $ 9,580 $ 47,986 Nine Months Ended September 30, 2020 (in thousands) Hotel/ Motel Commercial Real Estate Residential Commercial Real Estate Nonresidential Dealer Floorplans Commercial Other Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ACL Beginning balance, prior to adoption of ASC 326 $ 3,371 $ 3,439 $ 8,515 $ 802 $ 5,556 $ 4,604 $ 897 $ 1,711 $ 6,201 $ 35,096 Impact of adoption of ASC 326 170 (721 ) 119 820 (391 ) 1,893 (75 ) (40 ) 1,265 3,040 Provision charged to expense 2,510 2,035 3,408 (183 ) 1,749 1,511 88 715 3,258 15,091 Losses charged off (42 ) (148 ) (937 ) (26 ) (2,669 ) (276 ) (4 ) (780 ) (3,610 ) (8,492 ) Recoveries 0 13 49 0 353 54 3 313 2,466 3,251 Ending balance $ 6,009 $ 4,618 $ 11,154 $ 1,413 $ 4,598 $ 7,786 $ 909 $ 1,919 $ 9,580 $ 47,986 Three Months Ended September 30, 2019 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Lease Financing Commercial Other Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ALLL Beginning balance $ 799 $ 15,098 $ 7 $ 4,889 $ 358 $ 4,187 $ 933 $ 1,767 $ 6,960 $ 34,998 Provision charged to expense 299 (742 ) (2 ) 1,436 (28 ) 705 32 104 (551 ) 1,253 Losses charged off (1 ) (21 ) 0 (638 ) 0 (384 ) (40 ) (218 ) (1,014 ) (2,316 ) Recoveries 3 40 0 75 0 10 2 82 664 876 Ending balance $ 1,100 $ 14,375 $ 5 $ 5,762 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,811 Ending balance: Individually evaluated for impairment $ 99 $ 398 $ 0 $ 175 $ 0 $ 0 $ 0 $ 0 $ 0 $ 672 Collectively evaluated for impairment $ 1,001 $ 13,977 $ 5 $ 5,587 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,139 Loans Ending balance: Individually evaluated for impairment $ 2,974 $ 39,986 $ 0 $ 11,037 $ 0 $ 2,318 $ 0 $ 0 $ 0 $ 56,315 Collectively evaluated for impairment $ 90,560 $ 1,134,778 $ 651 $ 377,495 $ 62,859 $ 720,314 $ 110,663 $ 149,500 $ 511,650 $ 3,158,470 Nine Months Ended September 30, 2019 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Lease Financing Commercial Other Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ALLL Beginning balance $ 862 $ 14,531 $ 12 $ 4,993 $ 512 $ 4,433 $ 841 $ 1,883 $ 7,841 $ 35,908 Provision charged to expense 301 79 (7 ) 2,055 (181 ) 726 181 385 (533 ) 3,006 Losses charged off (72 ) (401 ) 0 (1,703 ) (1 ) (684 ) (99 ) (795 ) (3,413 ) (7,168 ) Recoveries 9 166 0 417 0 43 4 262 2,164 3,065 Ending balance $ 1,100 $ 14,375 $ 5 $ 5,762 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,811 Ending balance: Individually evaluated for impairment $ 99 $ 398 $ 0 $ 175 $ 0 $ 0 $ 0 $ 0 $ 0 $ 672 Collectively evaluated for impairment $ 1,001 $ 13,977 $ 5 $ 5,587 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,139 Loans Ending balance: Individually evaluated for impairment $ 2,974 $ 39,986 $ 0 $ 11,037 $ 0 $ 2,318 $ 0 $ 0 $ 0 $ 56,315 Collectively evaluated for impairment $ 90,560 $ 1,134,778 $ 651 $ 377,495 $ 62,859 $ 720,314 $ 110,663 $ 149,500 $ 511,650 $ 3,158,470 Year Ended December 31, 2019 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Lease Financing Commercial Other Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ALLL Balance, beginning of year $ 862 $ 14,531 $ 12 $ 4,993 $ 512 $ 4,433 $ 841 $ 1,883 $ 7,841 $ 35,908 Provision charged to expense 497 (137 ) (8 ) 3,032 (40 ) 414 172 528 361 4,819 Losses charged off (72 ) (727 ) 0 (2,179 ) (100 ) (767 ) (139 ) (1,100 ) (4,652 ) (9,736 ) Recoveries 12 358 0 509 0 152 23 400 2,651 4,105 Balance, end of year $ 1,299 $ 14,025 $ 4 $ 6,355 $ 372 $ 4,232 $ 897 $ 1,711 $ 6,201 $ 35,096 Ending balance: Individually evaluated for impairment $ 99 $ 227 $ 0 $ 886 $ 0 $ 0 $ 0 $ 0 $ 0 $ 1,212 Collectively evaluated for impairment $ 1,200 $ 13,798 $ 4 $ 5,469 $ 372 $ 4,232 $ 897 $ 1,711 $ 6,201 $ 33,884 Loans Ending balance: Individually evaluated for impairment $ 3,010 $ 41,379 $ 0 $ 11,073 $ 0 $ 2,309 $ 0 $ 0 $ 0 $ 57,771 Collectively evaluated for impairment $ 101,799 $ 1,128,596 $ 481 $ 378,610 $ 63,350 $ 730,694 $ 111,894 $ 148,051 $ 527,418 $ 3,190,893 CTBI derived its ACL balance by using vintage modeling for the consumer and residential portfolios. Static pool models incorporating losses by credit risk rating were developed to determine credit loss balances for the commercial loan segments. Qualitative loss factors are based on CTBI’s judgment of delinquency trends, level of nonperforming loans, trend in loan losses, supervision and administration, quality control exceptions, and reasonable and supportable forecasts based on unemployment rates and industry concentrations. CTBI has determined that twelve months represents a reasonable and supportable forecast period and reverts back to a historical loss rate immediately. CTBI leverages economic projections from a reputable and independent third party to form its loss driver forecasts over the twelve month forecast period. Other internal and external indicators of economic forecasts are also considered by CTBI when developing the forecast metrics. CTBI also has an inherent model risk allocation included in its ACL calculation to allow for certain known model limitations as well as other potential risks not quantified elsewhere. Management has identified the following known model limitations and made adjustments through this portion of the calculation for them: (1) The inability to completely identify revolving lines of credit within the commercial other segment. Management had to make assumptions regarding commercial renewals as those renewals are not tracked well by its loan system. (2) The inability within the model to estimate the value of modifications made under troubled debt restructurings. Management has manually calculated the estimated impact based on research of modified terms for troubled debt restructurings. Also included in inherent model risk at implementation was the estimated allowance for previously impaired loans that had not been changed on CTBI’s loan system. There were certain loans that met the definition of impaired previously that management did not consider to have significantly different risk characteristics based on the ACL methodology and segmentation, and therefore determined they would no longer require individual analysis. The inherent model risk factor was decreased by $1.6 million in the first quarter 2020 as formerly impaired loans that are no longer individually analyzed were reassigned and returned to the appropriate loan segments where the historical loss and other qualitative factors were applied. The allowance for credit losses (ACL) increased by $1.4 million during the quarter ended September 30, 2020. During the calculation of the allowance for credit losses (ACL) in the Current Expected Credit Loss (CECL) model, management noted that the qualitative factors for current delinquency trends and the levels of nonperforming loans were driving a reduction in the overall calculation of CTBI’s ACL. Management remains concerned that these factors may have been artificially influenced by the current economic environment resulting from the COVID-19 pandemic and the number of loans that have received payment deferrals. Given this uncertainty, management elected to increase the qualitative factors in CTBI’s allowance model by adding a new factor for a significant specific event to offset this reduction and, in fact, increased the ACL by three basis points quarter over quarter. As a result, allocations to the allowance for credit losses for the quarter ended September 30, 2020 totaled $2.4 million, an increase of $2.5 million from prior quarter and $1.2 million from prior year same quarter. Refer to Note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy. Nonaccrual loans segregated by class of loans and loans 90 days past due and still accruing segregated by class of loans were as follows: September 30, 2020 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loan with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 90 $ 0 $ 90 Commercial real estate residential 0 1,439 4,591 6,030 Commercial real estate nonresidential 0 1,911 8,583 10,494 Commercial other 0 2,029 270 2,299 Total commercial loans 0 5,469 13,444 18,913 Real estate mortgage 0 5,615 3,726 9,341 Home equity lines 0 610 375 985 Total residential loans 0 6,225 4,101 10,326 Consumer direct 0 186 40 226 Consumer indirect 0 0 404 404 Total consumer loans 0 186 444 630 Loans and lease financing $ 0 $ 11,880 $ 17,989 $ 29,869 (in thousands) December 31 2019 Commercial: Commercial construction $ 230 Commercial secured by real estate 3,759 Commercial other 3,839 Residential: Real estate construction 634 Real estate mortgage 4,821 Home equity 716 Total nonaccrual loans $ 13,999 The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2020 and December 31, 2019: September 30, 2020 (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 90 $ 90 $ 258,927 $ 259,017 Commercial real estate residential 1,194 498 5,593 7,285 277,143 284,428 Commercial real estate nonresidential 1,178 1,198 9,912 12,288 730,148 742,436 Dealer floorplans 0 0 0 0 63,393 63,393 Commercial other 658 228 1,767 2,653 277,155 279,808 Commercial unsecured SBA PPP 0 0 0 0 270,271 270,271 Total commercial loans 3,030 1,924 17,362 22,316 1,877,037 1,899,353 Real estate mortgage 2,299 3,029 6,336 11,664 772,154 783,818 Home equity lines 624 274 700 1,598 103,856 105,454 Total residential loans 2,923 3,303 7,036 13,262 876,010 889,272 Consumer direct 511 105 226 842 152,824 153,666 Consumer indirect 2,832 687 404 3,923 611,685 615,608 Total consumer loans 3,343 792 630 4,765 764,509 769,274 Loans and lease financing $ 9,296 $ 6,019 $ 25,028 $ 40,343 $ 3,517,556 $ 3,557,899 December 31, 2019 (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 $ 118 $ 0 $ 467 $ 585 $ 104,224 $ 104,809 $ 237 Commercial secured by real estate 2,734 5,969 12,366 21,069 1,148,906 1,169,975 8,820 Equipment lease financing 0 0 0 0 481 481 0 Commercial other 880 284 6,267 7,431 382,252 389,683 2,586 Residential: Real estate construction 117 52 634 803 62,547 63,350 0 Real estate mortgage 774 5,376 10,320 16,470 716,533 733,003 7,088 Home equity 1,084 412 736 2,232 109,662 111,894 344 Consumer: Consumer direct 945 230 97 1,272 146,779 148,051 97 Consumer indirect 4,037 909 447 5,393 522,025 527,418 448 Loans and lease financing $ 10,689 $ 13,232 $ 31,334 $ 55,255 $ 3,193,409 $ 3,248,664 $ 19,620 *90+ and Accruing are also included in 90+ Days Past Due column. The risk characteristics of CTBI’s material portfolio segments are as follows: Hotel/motel loans are a significant concentration for CTBI, representing approximately 7.3% of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Hotel/motel lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial construction loans generally are made to customers for the purpose of building income-producing properties, and any hotel/motel construction loan would be included in this segment. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Loans in amounts greater than $500,000 generally require a performance bond to be posted by the general contractor to assure completion of the project. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose 1-4 family/multi-family properties. All commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial residential construction loans generally are made to customers for the purpose of building income-producing properties. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Loans in amounts greater than $500,000 generally require a performance bond to be posted by the general contractor to assure completion of the project. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally one loan for construction to permanent financing. All commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial nonresidential construction loans generally are made to customers for the purpose of building income-producing properties. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Loans in amounts greater than $500,000 generally require a performance bond to be posted by the general contractor to assure completion of the project. Prior to the implementation of ASU No. 2016-13, all commercial real estate loans were segmented together with construction loans presented separately. Dealer floorplans have historically been reviewed by management as a separate segment of the commercial loan portfolio although for SEC reporting they were combined within the commercial other segment. With the implementation of ASU No. 2016-13, CTBI segmented dealer floorplans separately as they are a unique product with unique risk factors. CTBI maintains strict processing procedures over its floorplan product with any exceptions requested by a loan officer approved by the appropriate loan committee and the floorplan manager. Commercial other loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers. As we underwrite our equipment lease financing in a manner similar to our commercial loan portfolio described below, the risk characteristics for this portfolio mirror that of the commercial loan portfolio. CTBI’s participation in the CARES Act PPP loan program has resulted in a new loan segment of unsecured commercial other loans that are one hundred percent SBA guaranteed. These loans, which are subject to forgiveness, have maturities of either two or three to five years, depending on when the loans was made. These loans currently have no allowance for credit losses. With respect to residential loans that are secured by 1-4 family residences and are generally owner occupied, CTBI generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences. Residential construction loans are handled through the home mortgage area of the bank. The repayment ability of the borrower and the maximum loan-to-value ratio are calculated using the normal mortgage lending criteria. Draws are processed based on percentage of completion stages including normal inspection procedures. Such loans generally convert to term loans after the completion of construction. Consumer loans are secured by consumer assets such as automobiles or recreational vehicles. Some consumer loans are unsecured such as small installment loans and certain lines of credit. Our determination of a borrower’s ability to repay these loans is primarily dependent on the personal income and credit rating of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers. The indirect lending area of the bank generally deals with purchasing/funding consumer contracts with new and used automobile dealers. The dealers generate consumer loan applications which are forwarded to the indirect loan processing area for approval or denial. Loan approvals or denials are based on the creditworthiness and repayment ability of the borrower, and on the collateral value. The dealers may have limited recourse agreements with CTB. Credit Quality Indicators: CTBI categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. CTBI also considers the fair value of the underlying collateral and the strength and willingness of the guarantor(s). CTBI analyzes commercial loans individually by classifying the loans as to credit risk. Loans classified as loss, doubtful, substandard, or special mention are reviewed quarterly by CTBI for further deterioration or improvement to determine if appropriately classified and valued if deemed impaired. All other commercial loan reviews are completed every 12 to 18 months. In addition, during the renewal process of any loan, as well as if a loan becomes past due or if other information becomes available, CTBI will evaluate the loan grade. CTBI uses the following definitions for risk ratings: ➢ Pass ➢ Watch ➢ Other assets especially mentioned (OAEM) ➢ Substandard ➢ Doubtful 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 and based on last credit decision or year of origination: Term Loans Amortized Cost Basis by Origination Year (in s) 2020 2019 2018 2017 2016 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 24,777 $ 71,232 $ 26,681 $ 42,121 $ 20,735 $ 28,010 $ 0 $ 213,556 Watch 10,427 1,993 3,325 0 2,450 2,229 20,424 OAEM 0 0 9,576 0 0 0 0 9,576 Substandard 0 0 90 1,113 8,950 5,308 0 15,461 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel $ 35,204 $ 73,225 $ 39,672 $ 43,234 $ 32,135 $ 35,547 $ 0 $ 259,017 Commercial real estate residential Risk rating: Pass $ 65,218 $ 43,078 $ 31,568 $ 18,810 $ 24,246 $ 51,616 $ 10,976 $ 245,512 Watch 1,004 2,799 2,452 2,985 4,524 5,444 279 19,487 OAEM 277 1,269 608 950 240 58 0 3,402 Substandard 4,202 597 2,229 4,077 1,119 3,353 450 16,027 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential $ 70,701 $ 47,743 $ 36,857 $ 26,822 $ 30,129 $ 60,471 $ 11,705 $ 284,428 Commercial real estate nonresidential Risk rating: Pass $ 90,288 $ 105,737 $ 83,581 $ 85,451 $ 105,975 $ 175,249 $ 24,042 $ 670,323 Watch 3,653 3,437 7,965 4,753 3,541 11,972 976 36,297 OAEM 0 0 69 1 0 3,306 20 3,396 Substandard 7,831 6,714 1,568 2,858 1,508 11,696 216 32,391 Doubtful 0 0 0 0 0 29 0 29 Total commercial real estate nonresidential $ 101,772 $ 115,888 $ 93,183 $ 93,063 $ 111,024 $ 202,252 $ 25,254 $ 742,436 Dealer floorplans Risk rating: Pass $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 63,069 $ 63,069 Watch 0 0 0 0 0 0 324 324 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 63,393 $ 63,393 Commercial other Risk rating: Pass $ 67,359 $ 33,493 $ 35,138 $ 15,903 $ 6,859 $ 24,440 $ 71,902 $ 255,094 Watch 2,736 489 1,059 662 586 861 7,004 13,397 OAEM 0 0 5,093 214 444 10 0 5,761 Substandard 2,084 548 350 493 1,413 443 112 5,443 Doubtful 0 113 0 0 0 0 0 113 Total commercial other $ 72,179 $ 34,643 $ 41,640 $ 17,272 $ 9,302 $ 25,754 $ 79,018 $ 279,808 Commercial unsecured SBA PPP Risk rating: Pass $ 270,271 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 270,271 Watch 0 0 0 0 0 0 0 0 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total commercial unsecured SBA PPP $ 270,271 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 270,271 Commercial loans Risk rating: Pass $ 517,913 $ 253,540 $ 176,968 $ 162,285 $ 157,815 $ 279,315 $ 169,989 $ 1,717,825 Watch 17,820 8,718 14,801 8,400 11,101 20,506 8,583 89,929 OAEM 277 1,269 15,346 1,165 684 3,374 20 22,135 Substandard 14,117 7,859 4,237 8,541 12,990 20,800 778 69,322 Doubtful 0 113 0 0 0 29 0 142 Total commercial loans $ 550,127 $ 271,499 $ 211,352 $ 180,391 $ 182,590 $ 324,024 $ 179,370 $ 1,899,353 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Leases Commercial Other Total December 31, 2019 Pass $ 98,102 $ 1,036,573 $ 481 $ 358,203 $ 1,493,359 Watch 3,595 54,338 0 13,618 71,551 OAEM 254 27,964 0 6,065 34,283 Substandard 2,858 51,068 0 11,737 65,663 Doubtful 0 32 0 60 92 Total $ 104,809 $ 1,169,975 $ 481 $ 389,683 $ 1,664,948 The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 7 $ 12,246 $ 92,216 $ 104,469 Nonperforming 0 0 0 0 0 620 365 985 Total home equity lines $ 0 $ 0 $ 0 $ 0 $ 7 $ 12,866 $ 92,581 $ 105,454 Mortgage loans Performing $ 157,390 $ 132,799 $ 63,904 $ 68,011 $ 55,417 $ 296,956 $ 0 $ 774,477 Nonperforming 0 394 761 591 408 7,187 0 9,341 Total mortgage loans $ 157,390 $ 133,193 $ 64,665 $ 68,602 $ 55,825 $ 304,143 $ 0 $ 783,818 Residential loans Performing $ 157,390 $ 132,799 $ 63,904 $ 68,011 $ 55,424 $ 309,202 $ 92,216 $ 878,946 Nonperforming 0 394 761 591 408 7,807 365 10,326 Total residential loans $ 157,390 $ 133,193 $ 64,665 $ 68,602 $ 55,832 $ 317,009 $ 92,581 $ 889,272 Consumer direct loans Performing $ 60,171 $ 39,064 $ 21,959 $ 10,881 $ 7,498 $ 13,867 $ 0 $ 153,440 Nonperforming 9 0 7 25 0 185 0 226 Total consumer direct loans $ 60,180 $ 39,064 $ 21,966 $ 10,906 $ 7,498 $ 14,052 $ 0 $ 153,666 Consumer indirect loans Performing $ 251,162 $ 149,460 $ 114,362 $ 59,549 $ 28,989 $ 11,682 $ 0 $ 615,204 Nonperforming 52 165 110 51 10 16 0 404 Total consumer indirect loans $ 251,214 $ 149,625 $ 114,472 $ 59,600 $ 28,999 $ 11,698 $ 0 $ 615,608 Consumer loans Performing $ 311,333 $ 188,524 $ 136,321 $ 70,430 $ 36,487 $ 25,549 $ 0 $ 768,644 Nonperforming 61 165 117 76 10 201 0 630 Total consumer loans $ 311,394 $ 188,689 $ 136,438 $ 70,506 $ 36,497 $ 25,750 $ 0 $ 769,27

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2020
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 5 – Other Real Estate Owned Activity for other real estate owned was as follows: Three Months Ended September 30 Nine Months Ended September 30 (in thousands) 2020 2019 2020 2019 Beginning balance of other real estate owned $ 17,675 $ 22,536 $ 19,480 $ 27,273 New assets acquired 238 647 2,100 1,889 Fair value adjustments (257 ) (2,173 ) (1,021 ) (3,311 ) Sale of assets (2,070 ) (1,177 ) (4,973 ) (6,018 ) Ending balance of other real estate owned $ 15,586 $ 19,833 $ 15,586 $ 19,833 Carrying costs and fair value adjustments associated with foreclosed properties for the three months ended September Carrying costs and fair value adjustments associated with foreclosed properties for the nine months ended September and were and , respectively. The major classifications of foreclosed properties are shown in the following table: (in thousands) September 30 2020 December 31 2019 1-4 family $ 2,191 $ 3,630 Construction/land development/other 9,359 10,211 Multifamily 88 88 Non-farm/non-residential 3,948 5,551 Total foreclosed properties $ 15,586 $ 19,480

Repurchase Agreements

Repurchase Agreements	9 Months Ended
	Sep. 30, 2020
Repurchase Agreements [Abstract]
Repurchase Agreements	Note 6 – Repurchase Agreements We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and provide additional funding to our balance sheet. Repurchase agreements are transactions whereby we offer to sell to a counterparty an undivided interest in an eligible security at an agreed upon purchase price, and which obligates CTBI to repurchase the security on an agreed upon date at an agreed upon repurchase price plus interest at an agreed upon rate. Securities sold under agreements to repurchase are recorded at the amount of cash received in connection with the transaction and are reflected in the accompanying consolidated balance sheets. We monitor collateral levels on a continuous basis and maintain records of each transaction specifically describing the applicable security and the counterparty’s fractional interest in that security, and we segregate the security from its general assets in accordance with regulations governing custodial holdings of securities. The primary risk with our repurchase agreements is market risk associated with the securities securing the transactions, as we may be required to provide additional collateral based on fair value changes of the underlying securities. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. The carrying value of investment securities available-for-sale pledged as collateral under repurchase agreements totaled $392.7 million and $264.9 million at September 30, 2020 The remaining contractual maturity of the securities sold under agreements to repurchase by class of collateral pledged included in the accompanying consolidated balance sheets as of September 30, 2020 September 30, 2020 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Up to 30 days 30-90 days Greater Than Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 13,457 $ 7,031 $ 0 $ 29,445 $ 49,933 State and political subdivisions 55,477 1,519 3,863 7,158 68,017 U.S. government sponsored agency mortgage-backed securities 39,250 22,450 96,137 92,001 249,838 Total $ 108,184 $ 31,000 $ 100,000 $ 128,604 $ 367,788 December 31, 2019 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Up to 30 days 30-90 days Greater Than Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 15,001 $ 0 $ 3,479 $ 58,953 $ 77,433 State and political subdivisions 51,193 0 1,768 11,165 64,126 U.S. government sponsored agency mortgage-backed securities 35,480 0 1,996 47,882 85,358 Total $ 101,674 $ 0 $ 7,243 $ 118,000 $ 226,917

Fair Market Value of Financial

Fair Market Value of Financial Assets and Liabilities	9 Months Ended
	Sep. 30, 2020
Fair Market Value of Financial Assets and Liabilities [Abstract]
Fair Market Value of Financial Assets and Liabilities	Note 7 – Fair Market Value of Financial Assets and Liabilities Fair Value Measurements ASC 820, Fair Value Measurements Level 1 Inputs – Quoted prices in active markets for identical assets or liabilities. Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets and liabilities in active markets, and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in determining an exit price for the assets or liabilities. Recurring Measurements The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis as of September 30, 2020 and December 31, 2019 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at September 30, 2020 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 85,381 $ 3,100 $ 82,281 $ 0 State and political subdivisions 131,305 0 131,305 0 U.S. government sponsored agency mortgage-backed securities 676,874 0 676,874 0 Other debt securities 55,529 0 55,529 0 Equity securities at fair value 2,212 0 0 2,212 Mortgage servicing rights 3,109 0 0 3,109 Fair Value Measurements at December 31, 2019 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 171,150 $ 54,263 $ 116,887 $ 0 State and political subdivisions 102,307 0 102,307 0 U.S. government sponsored agency mortgage-backed securities 295,245 0 295,245 0 Other debt securities 31,142 0 31,142 0 Equity securities at fair value 1,953 0 0 1,953 Mortgage servicing rights 3,263 0 0 3,263 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. These valuation methodologies were applied to all of CTBI’s financial assets carried at fair value. CTBI had no liabilities measured and recorded at fair value as of 30, 2020 and December 31, 2019. There have been no significant changes in the valuation techniques during the quarter ended 30, 2020. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described Available-for-Sale Securities Securities classified as available-for-sale are reported at fair value on a recurring basis. U.S. Treasury and government agencies are classified as Level 1 of the valuation hierarchy where quoted market prices are available in the active market on which the individual securities are traded. If quoted market prices are not available, CTBI obtains fair value measurements from an independent pricing service, such as Interactive Data, which utilizes pricing models to determine fair value measurement. CTBI reviews the pricing quarterly to verify the reasonableness of the pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other factors. U.S. Treasury and government agencies, state and political subdivisions, U.S. government sponsored agency mortgage-backed securities, and other debt securities are classified as Level 2 inputs. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements are estimated on a quarterly basis where assumptions used are reviewed to ensure the estimated fair value complies with accounting standards generally accepted in the United States. Equity Securities at Fair Value As of September 30, 2020 and December 31, 2019, the only securities owned by CTBI that were valued using Level 3 criteria are Visa Class B Stock (included in equity securities at fair value). Fair value for Visa Class B Stock is determined by an independent third party Mortgage Servicing Rights Mortgage servicing rights do not trade in an active, open market with readily observable prices. CTBI reports mortgage servicing rights at fair value on a recurring basis with subsequent remeasurement of MSRs based on change in fair value. In determining fair value, CTBI utilizes the expertise of an independent third party. Accordingly, fair value is determined by the independent third party by utilizing assumptions about factors such as mortgage interest rates, discount rates, mortgage loan prepayment speeds, market trends and industry demand. Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements of mortgage servicing rights are tested for impairment on a quarterly basis where assumptions used are reviewed to ensure the estimated fair value complies with accounting standards generally accepted in the United States. We have reviewed the assumptions, processes, and conclusions of the third party provider. We have determined these assumptions, processes, and conclusions to be reasonable and appropriate in determining the fair value of this asset. See the table below for inputs and valuation techniques used for Level 3 mortgage servicing rights. Level 3 Reconciliation Following is a reconciliation of the beginning and ending balances of recurring fair value measurements, for the periods indicated, using significant unobservable (Level 3) inputs: (in thousands) Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 2,094 $ 2,518 $ 1,727 $ 3,119 Total unrealized gains (losses) Included in net income 118 286 16 (325 ) Issues 0 611 0 139 Settlements 0 (306 ) 0 (29 ) Ending balance $ 2,212 $ 3,109 $ 1,743 $ 2,904 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 119 $ 286 $ 16 $ (325 ) (in thousands) Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 1,953 $ 3,263 $ 1,173 $ 3,607 Total unrealized gains (losses) Included in net income 259 (680 ) 570 (907 ) Issues 0 1,171 0 446 Settlements 0 (645 ) 0 (242 ) Ending balance $ 2,212 $ 3,109 $ 1,743 $ 2,904 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 259 $ (680 ) $ 570 $ (907 ) Realized and unrealized gains and losses for items reflected in the table above are included in net income in the consolidated statements of income as follows: Noninterest Income Three Months Ended September 30 Nine Months Ended September 30 (in thousands) 2020 2019 2020 2019 Total gains (losses) $ 99 $ (338 ) $ (1,066 ) $ (579 ) Nonrecurring Measurements The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a nonrecurring basis as of 30, 2020 and December 31, 2019 and indicate the level within the fair value hierarchy of Fair Value Measurements at September 30, 2020 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 2,423 $ 0 $ 0 $ 2,423 Other real estate owned 2,461 0 0 2,461 Fair Value Measurements at December 31, 2019 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Impaired loans (collateral dependent) $ 3,217 $ 0 $ 0 $ 3,217 Other real estate owned 12,593 0 0 12,593 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying balance sheet, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Collateral Dependent Loans The estimated fair value of collateral-dependent loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent loans are classified within Level 3 of the fair value hierarchy. CTBI considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the Chief Credit Officer. Appraisals are reviewed for accuracy and consistency by the Chief Credit Officer. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Chief Credit Officer by comparison to historical results. Loans considered collateral dependent are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty in accordance with ASC 326-20-35-5. Quarter-to-date fair value adjustments on collateral dependent loans disclosed above were $ million, $ million, and $ million for the quarters ended 30, 2020, December 31, 2019, and 30, 2019, respectively. Year-to-date adjustments were $ million, $ million, and $ million for the nine months ended 30, 2020, the year ended December 31, 2019, and the nine months ended 30, 2019, respectively. Other Real Estate Owned In accordance with the provisions of ASC 360, Property, Plant, and Equipment, OREO is classified within Level 3 of the fair value hierarchy. Long-lived assets are subject to nonrecurring fair value adjustments to reflect subsequent partial write-downs that are based on the observable market price or current appraised value of the collateral. Quarter-to-date fair value adjustments on other real estate owned disclosed above were $ million, $ million, and $ million for the quarters ended 30, 2020, December 31, 2019, and 30, 2019, respectively. Year-to-date adjustments were $ million for the nine months ended 30, 2020, $ million for the year ended December 31, 2019, and $ million for the nine months ended 30, 2019. Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 18 months but generally not more than 24 months. Appraisers are selected from the list of approved appraisers maintained by management. Unobservable (Level 3) Inputs The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at September 30, 2020 and December 31, 2019. (in thousands) Quantitative Information about Level 3 Fair Value Measurements Fair Value at September 30, 2020 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $2,212 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2022 Dec 2026 ( Dec 2024 Mortgage servicing rights $3,109 Discount cash flows, computer pricing model Constant prepayment rate 0.0%% - 31.8% (19.7%) Probability of default 0.0% - 100.0% (1.6%) Discount rate 10.0% - 11.5% (10.1%) Collateral dependent loans $2,423 Market comparable properties Marketability discount (0.01)% - 31.5% (16.2%) Other real estate owned $2,461 Market comparable properties Comparability adjustments 10.0% - 31.4% (16.8%) (in thousands) Quantitative Information about Level 3 Fair Value Measurements Fair Value at December 31, 2019 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $1,953 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2022 Dec 2026 ( Dec 2024 Mortgage servicing rights $3,263 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 24.3% (11.7%) Probability of default 0.0% - 100.0% (2.7%) Discount rate 10.0% - 11.5% (10.1%) Impaired loans (collateral-dependent) $3,217 Market comparable properties Marketability discount 7.0% - 99.0% (46.0%) Other real estate owned $12,593 Market comparable properties Comparability adjustments 6.0% - 29.8% (11.3%) Uncertainty of Fair Value Measurements The following is a discussion of the uncertainty of fair value measurements, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement and of how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value Equity Securities at Fair Value Fair market value for equity securities is derived based on unobservable inputs, such as the discount rate, quarterly dividend payments payable to the Visa Class B common stock and the prevailing conversion rate at the conversion date. The most recent conversion rate of 1.6228 and the most recent dividend rate of 0.4868 were used to derive the fair value estimate. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for discount rate is accompanied by a directionally opposite change in the fair value estimate. Mortgage Servicing Rights Fair market value for mortgage servicing rights is derived based on unobservable inputs, such as prepayment speeds of the underlying loans generated using the Andrew Davidson Prepayment Model, FHLMC/FNMA guidelines, the weighted average life of the loan, the discount rate, the weighted average coupon, and the weighted average default rate. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for prepayment speeds is accompanied by a directionally opposite change in the assumption for interest rates. Fair Value of Financial Instruments The following table presents estimated fair value of CTBI’s financial instruments as of September 30, 2020 and indicates the level within the fair value hierarchy of the valuation techniques. In accordance with the adoption of ASU 2016-01, the fair values as of September 30, 2020 were measured using an exit price notion. Fair Value Measurements at September 30, 2020 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 257,768 $ 257,768 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 949,089 3,100 945,989 0 Equity securities at fair value 2,212 0 0 2,212 Loans held for sale 20,125 20,581 0 0 Loans, net 3,509,913 0 0 3,641,439 Federal Home Loan Bank stock 10,123 0 10,123 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 14,714 0 14,714 0 Mortgage servicing rights 3,109 0 0 3,109 Financial liabilities: Deposits $ 3,894,181 $ 1,103,863 $ 2,824,616 $ 0 Repurchase agreements 367,788 0 0 367,533 Federal funds purchased 2,400 0 2,400 0 Advances from Federal Home Loan Bank 400 0 440 0 Long-term debt 57,841 0 0 39,603 Accrued interest payable 5,179 0 5,179 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0 The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2019 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2019 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 264,683 $ 264,683 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 599,844 54,263 545,581 0 Debt securities held-to-maturity 517 0 517 0 Equity securities at fair value 1,953 0 0 1,953 Loans held for sale 1,167 1,191 0 0 Loans, net 3,213,568 0 0 3,283,876 Federal Home Loan Bank stock 10,474 0 10,474 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 14,836 0 14,836 0 Mortgage servicing rights 3,263 0 0 3,263 Financial liabilities: Deposits $ 3,405,572 $ 865,760 $ 2,560,271 $ 0 Repurchase agreements 226,917 0 0 226,921 Federal funds purchased 7,906 0 7,906 0 Advances from Federal Home Loan Bank 415 0 446 0 Long-term debt 57,841 0 0 49,382 Accrued interest payable 2,839 0 2,839 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2020
Revenue Recognition [Abstract]
Revenue Recognition	Note 8 – Revenue Recognition CTBI’s primary source of revenue is interest income generated from loans and investment securities. Interest income is recognized according to the terms of the financial instrument agreement over the life of the loan or investment security unless it is determined that the counterparty is unable to continue making interest payments. Interest income also includes prepaid interest fees from commercial customers, which approximates the interest foregone on the balance of the loan prepaid. CTBI’s additional source of income, also referred to as noninterest income, includes service charges on deposit accounts, gains on sales of loans, trust and wealth management income, loan related fees, brokerage revenue, and other miscellaneous income and is largely based on contracts with customers. In these cases, CTBI recognizes revenue when it satisfies a performance obligation by transferring control over a product or service to a customer. CTBI considers a customer to be any party to which we will provide goods or services that are an output of CTBI’s ordinary activities in exchange for consideration. There is little seasonality with regards to revenue from contracts with customers and all inter-company revenue is eliminated when CTBI’s financial statements are consolidated. Generally, CTBI enters into contracts with customers that are short-term in nature where the performance obligations are fulfilled and payment is processed at the same time. Such examples include revenue related to merchant fees, interchange fees, and investment services income. In addition, revenue generated from existing customer relationships such as deposit accounts are also considered short-term in nature, because the relationship may be terminated at any time and payment is processed at the time performance obligations are fulfilled. As a result, CTBI does t have contract assets, contract liabilities, or related receivable accounts for contracts with customers. In cases where collectability is a concern, CTBI does not record revenue. Generally, the pricing of transactions between CTBI and each customer is either (i) established within a legally enforceable contract between the two parties, as is the case with loan sales, or (ii) disclosed to the customer at a specific point in time, as is the case when a deposit account is opened or before a new loan is underwritten. Fees are usually fixed at a specific amount or as a percentage of a transaction amount. No judgment or estimates by management are required to record revenue related to these transactions and pricing is clearly identified within these contracts. CTBI primarily operates in Kentucky and contiguous areas. Therefore, all significant operating decisions are based upon analysis of CTBI as operating segment. We disaggregate our revenue from contracts with customers by contract-type and timing of revenue recognition, as we believe it best depicts how the nature, amount, timing and uncertainty of our revenue and cash flows are affected by economic factors. Noninterest income not generated from customers during CTBI’s ordinary activities primarily relates to mortgage servicing rights, gains/losses on the sale of investment securities, gains/losses on the sale of other real estate owned, gains/losses on the sale of property, plant and equipment, and income from bank owned life insurance. For more information related to our components of noninterest income, see the Condensed Consolidated Statements of Income and Comprehensive Income above.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Earnings Per Share	Note 9 – Earnings Per Share The following table sets forth the computation of basic and diluted earnings per share: Three Months Ended September 30 Nine Months Ended September 30 (in thousands except per share data) 2020 2019 2020 2019 Numerator: Net income $ 17,447 $ 15,269 $ 43,678 $ 48,532 Denominator: Basic earnings per share: Weighted average shares 17,746 17,726 17,746 17,720 Diluted earnings per share: Effect of dilutive stock options and restricted stock grants 6 17 7 13 Adjusted weighted average shares 17,752 17,743 17,753 17,733 Earnings per share: Basic earnings per share $ 0.98 $ 0.86 $ 2.46 $ 2.74 Diluted earnings per share 0.98 0.86 2.46 2.74 Options to purchase common shares at a weighted average price of $ were excluded from the diluted calculations above for the three and nine months ended September 30, 2020, because the exercise prices on the options were greater than the average market price for the period. There were options to purchase common shares that were excluded from the diluted calculations above for the three and nine months ended September 30, 2019. In addition to in-the-money stock options, unvested restricted stock grants were also used in the calculation of diluted earnings per share based on the treasury method

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	9 Months Ended
	Sep. 30, 2020
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	Note 10 – Accumulated Other Comprehensive Income Unrealized gains on AFS securities Amounts reclassified from accumulated other comprehensive income (AOCI) and the affected line items in the statements of income during the three and nine Amounts Reclassified from AOCI (in thousands) Three Months Ended September 30 Nine Months Ended September 30 2020 2019 2020 2019 Affected line item in the statements of income Securities gains $ 24 $ (2 ) $ 1,069 $ 4 Tax expense 6 (1 ) 278 1 Total reclassifications out of AOCI $ 18 $ (1 ) $ 791 $ 3

COVID-19 and CARES Act Loan Act

COVID-19 and CARES Act Loan Activities	9 Months Ended
	Sep. 30, 2020
COVID-19 and CARES Act Loan Activities [Abstract]
COVID-19 and CARES Act Loan Activities	Note 11 – COVID-19 and CARES Act Loan Activities We continue working through the COVID-19 pandemic. Through September 30, 2020, we have approved CARES Act loan deferrals totaling $ million, consisting of commercial loan deferrals totaling $ million, residential loan deferrals totaling $ million, and consumer loan deferrals totaling $ million, in addition to serviced loan deferrals, pursuant to Freddie Mac guidelines, totaling $ million. We also had customers who had previously received CARES Act loan deferrals that have requested payment deferral for a second time. Those deferrals total $ million. customers have requested payment deferral for a third time. Those deferrals total $ million. These loan deferrals and modifications have been executed consistent with the guidelines of the CARES Act. Pursuant to the CARES Act, these loan deferrals are not included in our nonperforming loans disclosed below. The following table provides additional details regarding the types of deferrals received and the repayment status of those loans. CARES Act Loan Deferral Status Deferrals One Time Two Times Three Times Resumed Payments (dollars in thousands) Number Amount Number Amount Number Amount Number Amount Commercial 829 $ 620,509 125 $ 203,431 4 $ 1,365 617 $ 435,296 Mortgage 500 59,660 59 7,026 1 27 290 37,778 Consumer 1,945 35,629 5 81 0 0 1,646 31,171 3,274 $ 715,798 189 $ 210,538 5 $ 1,392 2,553 $ 504,245 Also, we have continued participating in the Paycheck Protection Program (PPP) stemming from the CARES Act passed by Congress as a stimulus response to the potential economic impacts of COVID-19. As of September 30, 2020, we have closed PPP loans totaling $ million. Of these, are under $350 thousand, are between $350 thousand and $2.0 million, and are over $2.0 million. T In October 2020, the U.S. Small Business Administration (SBA) released an updated loan forgiveness application for PPP loans of $50,000 or less. We currently have PPP loans totaling $ million that fall within this category. Our customers have begun the loan forgiveness application process; however, the

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation –
Reclassifications	Reclassifications –
New Accounting Standards	New Accounting Standards ➢ Accounting for Credit Losses Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Subsequent changes in the allowance for credit losses on PCD assets are recognized through the statement of income as a credit loss expense. Credit losses relating to available-for-sale debt securities are recorded through an allowance for credit losses rather than as a direct write-down to the security. Management estimates potential losses on unfunded commitments, which are not unconditionally cancellable by CTBI, by calculating an anticipated funding rate based on internal data and applies an estimated loss factor to the amounts expected to be funded. CTBI maintains an unfunded commitment allowance as part of other liabilities. The impact of the implementation of ASU No. 2016-13 was an increase of $112 thousand to this allowance and an $84 thousand impact to equity, net of tax. ASU 2016-13 is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. CTB elected ASU 2019-04 which allows that accrued interest will continue to be presented separately and not part of amortized cost on loans. The difference in amortized cost basis versus consideration of loan balances impacts the ACL calculation by one basis point and is considered immaterial. The primary difference is for indirect lending premiums. Per ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans, then the loan shall be evaluated for expected credit losses on an individual basis. In determining what loans should be evaluated individually, CTBI has established that any loan with a balance of $1.0 million or greater that has one of the following characteristics with be individually evaluated: has a criticized risk rating, is in nonaccrual status, is a troubled debt restructuring (“TDR”), or is 90 days or more past due. Loans that meet the above criteria will be tested individually for loss exposure on a quarterly basis using a fair market value of the collateral securing the loan less estimated selling costs as compared to the recorded investment of the loan (principal plus interest owed unless in a nonaccrual status). As an alternative, loans that are dependent upon the cash flows from business operations may be tested by determining the net present value of future cash flows discounted by the effective interest rate of the loan over the remaining term of the loan as appropriate. A specific valuation reserve will be established for any individually tested loans that have loss exposure unless a charge-down of the loan balance is more appropriate. As previously disclosed, CTBI formed an implementation team to oversee the adoption of the ASU including assessing the impact on its accounting and disclosures. The implementation team was a cross-functional working group comprised of individuals from areas including credit, finance, and operations. The team has established the historical data available and has identified the loan segments to be analyzed. Credit losses for loans that no longer share similar risk characteristics are estimated on an individual basis. The team has determined the portfolio methodologies and relevant economic factors to be utilized and began running parallel with its current model as part of the monthly fourth quarter 2019 loan portfolio analysis. December 31, 2019 Probable Incurred Losses January 1, 2020 CECL Adoption (dollars in thousands) Amount % of Portfolio Amount % of Portfolio Allowance for loan and lease losses transitioned to allowance for credit losses: Commercial $ 21,683 1.30 % $ 21,680 1.30 % Residential mortgage 5,501 0.61 % 7,319 0.81 % Consumer direct 1,711 1.16 % 1,671 1.13 % Consumer indirect 6,201 1.18 % 7,467 1.42 % Total allowance for loan and lease losses/allowance for credit losses $ 35,096 1.08 % $ 38,137 1.17 % Reserve for unfunded lending commitments $ 274 $ 386 In December 2018, the Office of the Comptroller of the Currency (the “OCC”), the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”), and the FDIC (the “FDIC” and, together with the Federal Reserve Board and the OCC, the “federal banking regulators”) approved a final rule to address changes to credit loss accounting under GAAP, including banking organizations’ implementation of CECL. The final rule provided banking organizations the option to phase in over a three-year period the day-one adverse effects on regulatory capital that may result from the adoption of the new accounting standard. On March 27, 2020, pursuant to the Coronavirus Aid, Relief and Economic Security Act (the “CARES Act”), federal banking regulators issued an interim final rule that delays the estimated impact on regulatory capital stemming from the implementation of CECL for a transition period of up to five years (the “CECL IFR”). The CECL IFR provides banking organizations that are required (as of January 1, 2020) to adopt CECL for accounting purposes under U.S. generally accepted accounting principles during 2020 an option to delay an estimate of CECL’s impact on regulatory capital. The capital relief in the CECL IFR is calibrated to approximate the difference in allowances under CECL relative to the incurred loss methodology for the first two years of the transition period. The cumulative difference at the end of the second year of the transition period is then phased in to regulatory capital over a three-year transition period. In this way, the CECL IFR gradually phases in the full effect of CECL on regulatory capital, providing a five-year transition period. CTBI adopted CECL effective January 1, 2020 and chose the option to delay the estimated impact on regulatory capital using the relief options described above. ➢ Simplifying the Test for Goodwill Impairment Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment ➢ Changes to the Disclosure Requirements for Fair Value Measurement Fair Value Measurement (Topic 820)—Disclosure Framework—Changes to the Disclosure Requirements for Fair Value Measurement Removals The following disclosure requirements were removed from Topic 820: • The amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy • The policy for timing of transfers between levels • The valuation processes for Level 3 fair value measurements Modifications The following disclosure requirements were modified in Topic 820: • For investments in certain entities that calculate net asset value, an entity is required to disclose the timing of liquidation of an investee’s assets and the date when restrictions from redemption might lapse only if the investee has communicated the timing to the entity or announced the timing publicly; and • The amendments clarify that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. Additions The following disclosure requirements were added to Topic 820: • The changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period; and • The range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information (such as the median or arithmetic average) in lieu of the weighted average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. In addition, the amendments eliminate “at a minimum” from the phrase “an entity shall disclose at a minimum” to promote the appropriate exercise of discretion by entities when considering fair value measurement disclosures and to clarify that materiality is an appropriate consideration of entities and their auditors when evaluating disclosure requirements. CTBI adopted ASU 2018-13 effective January 1, 2020 with minimal changes to our current reporting. ➢ Accounting for Costs of Implementing a Cloud Computing Service Agreement Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract The ASU aligns the following requirements for capitalizing implementation costs: • Those incurred in a hosting arrangement that is a service contract, and • Those incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). This ASU was effective beginning January 1, 2020 with no significant impact to our consolidated financial statements. ➢ Simplifying the Accounting for Income Taxes Income Taxes (Topic 740), Simplifying the Accounting for Income Taxes 1. Exception to the incremental approach for intra period tax allocation when there is a loss from continuing operations and income or a gain from other items (for example, discontinued operations or other comprehensive income); 2. Exception to the requirement to recognize a deferred tax liability for equity method investments when a foreign subsidiary becomes an equity method investment; 3. Exception to the ability not to recognize a deferred tax liability for a foreign subsidiary when a foreign equity method investment becomes a subsidiary; and 4. Exception to the general methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year. The amendments in this ASU also simplify the accounting for income taxes by doing the following: 1. Requiring that an entity recognize a franchise tax (or similar tax) that is partially based on income as an income-based tax and account for any incremental amount incurred as a non-income-based tax; 2. Requiring that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill was originally recognized and when it should be considered a separate transaction; 3. Specifying that an entity is not required to allocate the consolidated amount of current and deferred tax expense to a legal entity that is not subject to tax in its separate financial statements. However, an entity may elect to do so (on an entity-by-entity basis) for a legal entity that is both not subject to tax and disregarded by the taxing authority; 4. Requiring that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date; and 5. Making minor codification improvements for income taxes related to employee stock ownership plans and investments in qualified affordable housing projects accounted for using the equity method. For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. Early adoption is permitted. We do not anticipate a significant impact to our consolidated financial statements. ➢ Clarifying the Interactions between Topic 321 Topic 323 and Topic 815 a consensus of the FASB Emerging Task Force Investments—Equity Securities (Topic 321), Investments—Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) Financial Instruments ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting In response to concerns about structural risks of interbank offered rates, and, particularly, the risk of cessation of the London Interbank Offered Rate (LIBOR), regulators around the world have undertaken reference rate reform initiatives to identify alternative reference rates that are more observable or transaction-based and less susceptible to manipulation. The amendments in this ASU provide optional guidance for a limited time to ease the potential burden in accounting for (or recognizing the effects) of reference rate reform on financial reporting and provide optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. This ASU applies only to contracts and hedging relationships that reference LIBOR or another reference rate expected to be discontinued due to reference rate reform. The expedients and exceptions provided by the amendments do not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022. The amendments in this ASU are elective and are effective upon issuance for all entities. The adoption of this ASU is not expected to have material impact on our consolidated financial statements.
Critical Accounting Policies and Estimates	Critical Accounting Policies and Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires the appropriate application of certain accounting policies, many of which require us to make estimates and assumptions about future events and their impact on amounts reported in our consolidated financial statements and related notes. Since future events and their impact cannot be determined with certainty, the actual results will inevitably differ from our estimates. Such differences could be material to the consolidated financial statements. We believe the application of accounting policies and the estimates required therein are reasonable. These accounting policies and estimates are constantly reevaluated, and adjustments are made when facts and circumstances dictate a change. Historically, we have found our application of accounting policies to be appropriate, and actual results have not differed materially from those determined using necessary estimates. We have identified the following critical accounting policies:
Investments	Investments Investments – Debt Securities a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as held-to-maturity securities) shall be classified as available-for-sale securities. We do not have any securities that are classified as trading securities. Available-for-sale securities are reported at fair value, with unrealized gains and losses included as a separate component of shareholders’ equity, net of tax. If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. Gains or losses on disposition of debt securities are computed by specific identification for those securities. Interest and dividend income, adjusted by amortization of purchase premium or discount, is included in earnings. With the implementation of CECL, an allowance will be recognized for credit losses relative to available-for-sale securities rather than as a reduction in the cost basis of the security. Subsequent improvements in credit quality or reductions in estimated credit losses will be recognized immediately as a reversal of the previously recorded allowance, which aligns the income statement recognition of credit losses with the reporting period in which changes occur. Held-to-maturity (“HTM”) securities will be subject to CECL. CECL will require an allowance on these held-to-maturity debt securities for lifetime expected credit losses, determined by adjusting historical loss information for current conditions and reasonable and supportable forecasts. The forward-looking evaluation of lifetime expected losses will be performed on a pooled basis for debt securities that share similar risk characteristics. These allowances for expected losses must be made by the holder of the HTM debt security when the security is purchased. At September 30, 2020, CTBI held no securities designated as held-to-maturity. CTBI accounts for equity securities in accordance with ASC 321, Investments – Equity Securities Equity securities with a readily determinable fair value are required to be measured at fair value, with changes in fair value recognized through net income. Equity securities without a readily determinable fair value are carried at cost, less any impairment, if any, plus or minus changes resulting from observable price changes for identical or similar investments. As permitted by ASC 321-10-35-2, CTBI can make an irrevocable election to subsequently measure an equity security without a readily determinable fair value, and all identical or similar investments of the same issuer, including future purchases of identical or similar investments of the same issuer, at fair value. CTBI has made this election for its Visa Class B equity securities. The fair value of these securities was determined by a third party service provider using Level 3 inputs as defined in ASC 820, Fair Value Measurement
Loans	Loans The provisions of the CARES Act included an election to not apply the guidance on accounting for troubled debt restructurings to loan modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December 31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for borrowers that were not more than 30 days past due as of December 31, 2019. CTBI elected to adopt these provisions of the CARES Act. Loan origination and commitment fees and certain direct loan origination costs are deferred and the net amount amortized over the estimated life of the related loans, leases, or commitments as a yield adjustment.
Allowance for Credit Losses	Allowance for Credit Losses In the event that collection of principal becomes uncertain, CTBI has policies in place to reverse accrued interest in a timely manner. Therefore, CTBI elected ASU 2019-04 which allows that accrued interest would continue to be presented separately and not part of amortized cost on loan. The methodology used by CTBI is developed using the current loan balance, which is then compared to amortized cost balances to analyze the impact. The difference in amortized cost basis versus consideration of loan balances impacts the allowance for credit losses calculation by one basis point and is considered immaterial. The primary difference is for indirect lending premiums. We maintain an allowance for credit losses (“ACL”) at a level that is appropriate to cover estimated credit losses on individually evaluated loans, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Credit losses are charged and recoveries are credited to the ACL. We utilize an internal risk grading system for commercial credits. Those credits that meet the following criteria are subject to individual evaluation: the loan has an outstanding bank share balance of $1 million or greater and (i) has a criticized risk rating, (ii) is in nonaccrual status, (iii) is a TDR, or (iv) is 90 days or more past due. The borrower’s cash flow, adequacy of collateral coverage, and other options available to CTBI, including legal remedies, are evaluated. We evaluate the collectability of both principal and interest when assessing the need for loss provision. Historical loss rates are analyzed and applied to other commercial loan segments not subject to individual evaluation. Homogenous loans, such as consumer installment, residential mortgages, and home equity lines are not individually risk graded. The associated ACL for these loans is measured in pools with similar risk characteristics under ASC 326. When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell. For commercial loans greater than $ When the foreclosed collateral has been legally assigned to CTBI, the estimated fair value of the collateral less costs to sell is then transferred to other real estate owned or other repossessed assets, and a charge-off is taken for any remaining balance. When any unsecured commercial loan is considered uncollectable the loan is charged off no later than at days past due. All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off no later than 120 days (5 monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual. Foreclosure proceedings are normally initiated after 120 days. When the foreclosed property has been legally assigned to CTBI, the fair value less estimated costs to sell is transferred to other real estate owned and the remaining balance is taken as a charge-off. Historical loss rates for loans are adjusted for significant factors that, in management’s judgment, reflect the impact of any current conditions on loss recognition. With the implementation of ASC 326, weighted average life (“WAL”) calculations were completed as a tool to determine the life of CTBI’s various loan segments. Vintage modeling was used to determine the life of loan losses for consumer and residential real estate loans. Static pool modeling was used to determine the life of loan losses for commercial loan segments. Qualitative factors used to derive CTBI’s total ACL include delinquency trends, current economic conditions and trends, strength of supervision and administration of the loan portfolio, levels of underperforming loans, trends in loan losses, and underwriting exceptions. With the implementation of ASC 326, forecasting factors including unemployment rates and industry specific forecasts for industries in which our total exposure is 5% of capital or greater are also included as factors in the ACL model. Management continually reevaluates the other subjective factors included in its ACL analysis.
Troubled Debt Restructurings	Troubled Debt Restructurings – When we modify loans and leases in a troubled debt restructuring, we evaluate any possible impairment based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, or use the current fair value of the collateral, less selling costs for collateral dependent loans. If we determined that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, we evaluate troubled debt restructurings, including those that have payment defaults, for possible impairment and recognize impairment through the allowance.
Other Real Estate Owned	Other Real Estate Owned
Income Taxes	Income Taxes

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	9 Months Ended
	Sep. 30, 2020
Summary of Significant Accounting Policies [Abstract]
Impact of Adoption of ASU 2016-13 by Major Loan Classifications	As previously disclosed, CTBI formed an implementation team to oversee the adoption of the ASU including assessing the impact on its accounting and disclosures. The implementation team was a cross-functional working group comprised of individuals from areas including credit, finance, and operations. The team has established the historical data available and has identified the loan segments to be analyzed. Credit losses for loans that no longer share similar risk characteristics are estimated on an individual basis. The team has determined the portfolio methodologies and relevant economic factors to be utilized and began running parallel with its current model as part of the monthly fourth quarter 2019 loan portfolio analysis. December 31, 2019 Probable Incurred Losses January 1, 2020 CECL Adoption (dollars in thousands) Amount % of Portfolio Amount % of Portfolio Allowance for loan and lease losses transitioned to allowance for credit losses: Commercial $ 21,683 1.30 % $ 21,680 1.30 % Residential mortgage 5,501 0.61 % 7,319 0.81 % Consumer direct 1,711 1.16 % 1,671 1.13 % Consumer indirect 6,201 1.18 % 7,467 1.42 % Total allowance for loan and lease losses/allowance for credit losses $ 35,096 1.08 % $ 38,137 1.17 % Reserve for unfunded lending commitments $ 274 $ 386

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Securities [Abstract]
Amortized Cost and Fair Value of Available-for-sale Securities	The amortized cost and fair value of debt securities at September are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 85,095 $ 535 $ (249 ) $ 85,381 State and political subdivisions 124,997 6,334 (26 ) 131,305 U.S. government sponsored agency mortgage-backed securities 665,331 11,783 (240 ) 676,874 Other debt securities 56,496 0 (967 ) 55,529 Total available-for-sale securities $ 931,919 $ 18,652 $ (1,482 ) $ 949,089 The amortized cost and fair value of debt securities at December are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 171,250 $ 476 $ (576 ) $ 171,150 State and political subdivisions 99,403 2,941 (37 ) 102,307 U.S. government sponsored agency mortgage-backed securities 291,874 4,443 (1,072 ) 295,245 Other debt securities 31,418 0 (276 ) 31,142 Total available-for-sale securities $ 593,945 $ 7,860 $ (1,961 ) $ 599,844
Amortized Cost and Fair Value of Held-to-maturity Securities	Held-to-Maturity (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value State and political subdivisions $ 517 $ 0 $ 0 $ 517 Total held-to-maturity securities $ 517 $ 0 $ 0 $ 517
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities at September by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale (in thousands) Amortized Cost Fair Value Due in one year or less $ 10,746 $ 10,775 Due after one through five years 17,907 18,451 Due after five through ten years 93,860 95,061 Due after ten years 87,579 92,399 U.S. government sponsored agency mortgage-backed securities 665,331 676,874 Other debt securities 56,496 55,529 Total debt securities $ 931,919 $ 949,089
Available for Sale Securities and Held-to-Maturity Securities, Continuous Unrealized Loss Position	CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of September indicates that all impairment is considered temporary, market and interest rate driven, and not credit-related. The of total debt securities with unrealized losses as of September was compared to as of December The following tables provide the amortized cost, gross unrealized losses, and fair market value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of September that are not deemed to have credit losses. As stated above, CTBI had no HTM securities as of September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 5,870 $ (8 ) $ 5,862 State and political subdivisions 2,670 (26 ) 2,644 U.S. government sponsored agency mortgage-backed securities 68,751 (182 ) 68,569 Other debt securities 30,170 (322 ) 29,848 Total <12 months impaired AFS securities 107,461 (538 ) 106,923 12 Months or More U.S. Treasury and government agencies 60,681 (241 ) 60,440 State and political subdivisions 0 0 0 U.S. government sponsored agency mortgage-backed securities 14,300 (58 ) 14,242 Other debt securities 26,326 (645 ) 25,681 Total ≥12 months impaired AFS securities 101,307 (944 ) 100,363 Total U.S. Treasury and government agencies 66,551 (249 ) 66,302 State and political subdivisions 2,670 (26 ) 2,644 U.S. government sponsored agency mortgage-backed securities 83,051 (240 ) 82,811 Other debt securities 56,496 (967 ) 55,529 Total impaired AFS securities $ 208,768 $ (1,482 ) $ 207,286 The analysis performed as of December indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following tables provide the amortized cost, gross unrealized losses, and fair market value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December that are not deemed to be other-than-temporarily impaired. There were no held-to-maturity securities that were deemed to be impaired as of December Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 25,955 $ (148 ) $ 25,807 State and political subdivisions 8,356 (37 ) 8,319 U.S. government sponsored agency mortgage-backed securities 19,317 (100 ) 19,217 Other debt securities 31,418 (276 ) 31,142 Total <12 months temporarily impaired AFS securities 85,046 (561 ) 84,485 12 Months or More U.S. Treasury and government agencies 82,339 (428 ) 81,911 State and political subdivisions 0 0 0 U.S. government sponsored agency mortgage-backed securities 91,609 (972 ) 90,637 Other debt securities 0 0 0 Total ≥12 months temporarily impaired AFS securities 173,948 (1,400 ) 172,548 Total U.S. Treasury and government agencies 108,294 (576 ) 107,718 State and political subdivisions 8,356 (37 ) 8,319 U.S. government sponsored agency mortgage-backed securities 110,926 (1,072 ) 109,854 Other debt securities 31,418 (276 ) 31,142 Total temporarily impaired AFS securities $ 258,994 $ (1,961 ) $ 257,033

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2020
Loans [Abstract]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans	Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows: (in thousands) September 30 2020 Hotel/motel $ 259,017 Commercial real estate residential 284,428 Commercial real estate nonresidential 742,436 Dealer floorplans 63,393 Commercial other 279,808 Commercial unsecured SBA PPP 270,271 Commercial loans 1,899,353 Real estate mortgage 783,818 Home equity lines 105,454 Residential loans 889,272 Consumer direct 153,666 Consumer indirect 615,608 Consumer loans 769,274 Loans and lease financing $ 3,557,899 (in thousands) December 31 2019 Commercial construction $ 104,809 Commercial secured by real estate 1,169,975 Equipment lease financing 481 Commercial other 389,683 Real estate construction 63,350 Real estate mortgage 733,003 Home equity 111,894 Consumer direct 148,051 Consumer indirect 527,418 Total loans $ 3,248,664
Activity in Allowance for Credit Losses and Allowance for Loan and Lease Losses	The following tables present the balance in the allowance for credit losses (“ACL”) for the period ended September 30, 2020 and the balance in the allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2019 and September 30, 2019: Three Months Ended September 30, 2020 (in thousands) Hotel/ Motel Commercial Real Estate Residential Commercial Real Estate Nonresidential Dealer Floorplans Commercial Other Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ACL Beginning balance $ 6,132 $ 3,439 $ 11,408 $ 1,585 $ 4,703 $ 7,336 $ 856 $ 1,932 $ 9,243 $ 46,634 Provision charged to expense (81 ) 1,224 475 (172 ) 112 524 56 42 253 2,433 Losses charged off (42 ) (50 ) (761 ) 0 (318 ) (97 ) (4 ) (150 ) (846 ) (2,268 ) Recoveries 0 5 32 0 101 23 1 95 930 1,187 Ending balance $ 6,009 $ 4,618 $ 11,154 $ 1,413 $ 4,598 $ 7,786 $ 909 $ 1,919 $ 9,580 $ 47,986 Nine Months Ended September 30, 2020 (in thousands) Hotel/ Motel Commercial Real Estate Residential Commercial Real Estate Nonresidential Dealer Floorplans Commercial Other Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ACL Beginning balance, prior to adoption of ASC 326 $ 3,371 $ 3,439 $ 8,515 $ 802 $ 5,556 $ 4,604 $ 897 $ 1,711 $ 6,201 $ 35,096 Impact of adoption of ASC 326 170 (721 ) 119 820 (391 ) 1,893 (75 ) (40 ) 1,265 3,040 Provision charged to expense 2,510 2,035 3,408 (183 ) 1,749 1,511 88 715 3,258 15,091 Losses charged off (42 ) (148 ) (937 ) (26 ) (2,669 ) (276 ) (4 ) (780 ) (3,610 ) (8,492 ) Recoveries 0 13 49 0 353 54 3 313 2,466 3,251 Ending balance $ 6,009 $ 4,618 $ 11,154 $ 1,413 $ 4,598 $ 7,786 $ 909 $ 1,919 $ 9,580 $ 47,986 Three Months Ended September 30, 2019 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Lease Financing Commercial Other Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ALLL Beginning balance $ 799 $ 15,098 $ 7 $ 4,889 $ 358 $ 4,187 $ 933 $ 1,767 $ 6,960 $ 34,998 Provision charged to expense 299 (742 ) (2 ) 1,436 (28 ) 705 32 104 (551 ) 1,253 Losses charged off (1 ) (21 ) 0 (638 ) 0 (384 ) (40 ) (218 ) (1,014 ) (2,316 ) Recoveries 3 40 0 75 0 10 2 82 664 876 Ending balance $ 1,100 $ 14,375 $ 5 $ 5,762 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,811 Ending balance: Individually evaluated for impairment $ 99 $ 398 $ 0 $ 175 $ 0 $ 0 $ 0 $ 0 $ 0 $ 672 Collectively evaluated for impairment $ 1,001 $ 13,977 $ 5 $ 5,587 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,139 Loans Ending balance: Individually evaluated for impairment $ 2,974 $ 39,986 $ 0 $ 11,037 $ 0 $ 2,318 $ 0 $ 0 $ 0 $ 56,315 Collectively evaluated for impairment $ 90,560 $ 1,134,778 $ 651 $ 377,495 $ 62,859 $ 720,314 $ 110,663 $ 149,500 $ 511,650 $ 3,158,470 Nine Months Ended September 30, 2019 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Lease Financing Commercial Other Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ALLL Beginning balance $ 862 $ 14,531 $ 12 $ 4,993 $ 512 $ 4,433 $ 841 $ 1,883 $ 7,841 $ 35,908 Provision charged to expense 301 79 (7 ) 2,055 (181 ) 726 181 385 (533 ) 3,006 Losses charged off (72 ) (401 ) 0 (1,703 ) (1 ) (684 ) (99 ) (795 ) (3,413 ) (7,168 ) Recoveries 9 166 0 417 0 43 4 262 2,164 3,065 Ending balance $ 1,100 $ 14,375 $ 5 $ 5,762 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,811 Ending balance: Individually evaluated for impairment $ 99 $ 398 $ 0 $ 175 $ 0 $ 0 $ 0 $ 0 $ 0 $ 672 Collectively evaluated for impairment $ 1,001 $ 13,977 $ 5 $ 5,587 $ 330 $ 4,518 $ 927 $ 1,735 $ 6,059 $ 34,139 Loans Ending balance: Individually evaluated for impairment $ 2,974 $ 39,986 $ 0 $ 11,037 $ 0 $ 2,318 $ 0 $ 0 $ 0 $ 56,315 Collectively evaluated for impairment $ 90,560 $ 1,134,778 $ 651 $ 377,495 $ 62,859 $ 720,314 $ 110,663 $ 149,500 $ 511,650 $ 3,158,470 Year Ended December 31, 2019 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Lease Financing Commercial Other Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total ALLL Balance, beginning of year $ 862 $ 14,531 $ 12 $ 4,993 $ 512 $ 4,433 $ 841 $ 1,883 $ 7,841 $ 35,908 Provision charged to expense 497 (137 ) (8 ) 3,032 (40 ) 414 172 528 361 4,819 Losses charged off (72 ) (727 ) 0 (2,179 ) (100 ) (767 ) (139 ) (1,100 ) (4,652 ) (9,736 ) Recoveries 12 358 0 509 0 152 23 400 2,651 4,105 Balance, end of year $ 1,299 $ 14,025 $ 4 $ 6,355 $ 372 $ 4,232 $ 897 $ 1,711 $ 6,201 $ 35,096 Ending balance: Individually evaluated for impairment $ 99 $ 227 $ 0 $ 886 $ 0 $ 0 $ 0 $ 0 $ 0 $ 1,212 Collectively evaluated for impairment $ 1,200 $ 13,798 $ 4 $ 5,469 $ 372 $ 4,232 $ 897 $ 1,711 $ 6,201 $ 33,884 Loans Ending balance: Individually evaluated for impairment $ 3,010 $ 41,379 $ 0 $ 11,073 $ 0 $ 2,309 $ 0 $ 0 $ 0 $ 57,771 Collectively evaluated for impairment $ 101,799 $ 1,128,596 $ 481 $ 378,610 $ 63,350 $ 730,694 $ 111,894 $ 148,051 $ 527,418 $ 3,190,893
Nonaccrual Loans Segregated by Class of Loans	Refer to Note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy. Nonaccrual loans segregated by class of loans and loans 90 days past due and still accruing segregated by class of loans were as follows: September 30, 2020 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loan with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 90 $ 0 $ 90 Commercial real estate residential 0 1,439 4,591 6,030 Commercial real estate nonresidential 0 1,911 8,583 10,494 Commercial other 0 2,029 270 2,299 Total commercial loans 0 5,469 13,444 18,913 Real estate mortgage 0 5,615 3,726 9,341 Home equity lines 0 610 375 985 Total residential loans 0 6,225 4,101 10,326 Consumer direct 0 186 40 226 Consumer indirect 0 0 404 404 Total consumer loans 0 186 444 630 Loans and lease financing $ 0 $ 11,880 $ 17,989 $ 29,869 (in thousands) December 31 2019 Commercial: Commercial construction $ 230 Commercial secured by real estate 3,759 Commercial other 3,839 Residential: Real estate construction 634 Real estate mortgage 4,821 Home equity 716 Total nonaccrual loans $ 13,999
Bank's Loan Portfolio Aging Analysis, Segregated by Class	The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2020 and December 31, 2019: September 30, 2020 (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 90 $ 90 $ 258,927 $ 259,017 Commercial real estate residential 1,194 498 5,593 7,285 277,143 284,428 Commercial real estate nonresidential 1,178 1,198 9,912 12,288 730,148 742,436 Dealer floorplans 0 0 0 0 63,393 63,393 Commercial other 658 228 1,767 2,653 277,155 279,808 Commercial unsecured SBA PPP 0 0 0 0 270,271 270,271 Total commercial loans 3,030 1,924 17,362 22,316 1,877,037 1,899,353 Real estate mortgage 2,299 3,029 6,336 11,664 772,154 783,818 Home equity lines 624 274 700 1,598 103,856 105,454 Total residential loans 2,923 3,303 7,036 13,262 876,010 889,272 Consumer direct 511 105 226 842 152,824 153,666 Consumer indirect 2,832 687 404 3,923 611,685 615,608 Total consumer loans 3,343 792 630 4,765 764,509 769,274 Loans and lease financing $ 9,296 $ 6,019 $ 25,028 $ 40,343 $ 3,517,556 $ 3,557,899 December 31, 2019 (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 $ 118 $ 0 $ 467 $ 585 $ 104,224 $ 104,809 $ 237 Commercial secured by real estate 2,734 5,969 12,366 21,069 1,148,906 1,169,975 8,820 Equipment lease financing 0 0 0 0 481 481 0 Commercial other 880 284 6,267 7,431 382,252 389,683 2,586 Residential: Real estate construction 117 52 634 803 62,547 63,350 0 Real estate mortgage 774 5,376 10,320 16,470 716,533 733,003 7,088 Home equity 1,084 412 736 2,232 109,662 111,894 344 Consumer: Consumer direct 945 230 97 1,272 146,779 148,051 97 Consumer indirect 4,037 909 447 5,393 522,025 527,418 448 Loans and lease financing $ 10,689 $ 13,232 $ 31,334 $ 55,255 $ 3,193,409 $ 3,248,664 $ 19,620 *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 and based on last credit decision or year of origination: Term Loans Amortized Cost Basis by Origination Year (in s) 2020 2019 2018 2017 2016 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 24,777 $ 71,232 $ 26,681 $ 42,121 $ 20,735 $ 28,010 $ 0 $ 213,556 Watch 10,427 1,993 3,325 0 2,450 2,229 20,424 OAEM 0 0 9,576 0 0 0 0 9,576 Substandard 0 0 90 1,113 8,950 5,308 0 15,461 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel $ 35,204 $ 73,225 $ 39,672 $ 43,234 $ 32,135 $ 35,547 $ 0 $ 259,017 Commercial real estate residential Risk rating: Pass $ 65,218 $ 43,078 $ 31,568 $ 18,810 $ 24,246 $ 51,616 $ 10,976 $ 245,512 Watch 1,004 2,799 2,452 2,985 4,524 5,444 279 19,487 OAEM 277 1,269 608 950 240 58 0 3,402 Substandard 4,202 597 2,229 4,077 1,119 3,353 450 16,027 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential $ 70,701 $ 47,743 $ 36,857 $ 26,822 $ 30,129 $ 60,471 $ 11,705 $ 284,428 Commercial real estate nonresidential Risk rating: Pass $ 90,288 $ 105,737 $ 83,581 $ 85,451 $ 105,975 $ 175,249 $ 24,042 $ 670,323 Watch 3,653 3,437 7,965 4,753 3,541 11,972 976 36,297 OAEM 0 0 69 1 0 3,306 20 3,396 Substandard 7,831 6,714 1,568 2,858 1,508 11,696 216 32,391 Doubtful 0 0 0 0 0 29 0 29 Total commercial real estate nonresidential $ 101,772 $ 115,888 $ 93,183 $ 93,063 $ 111,024 $ 202,252 $ 25,254 $ 742,436 Dealer floorplans Risk rating: Pass $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 63,069 $ 63,069 Watch 0 0 0 0 0 0 324 324 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 63,393 $ 63,393 Commercial other Risk rating: Pass $ 67,359 $ 33,493 $ 35,138 $ 15,903 $ 6,859 $ 24,440 $ 71,902 $ 255,094 Watch 2,736 489 1,059 662 586 861 7,004 13,397 OAEM 0 0 5,093 214 444 10 0 5,761 Substandard 2,084 548 350 493 1,413 443 112 5,443 Doubtful 0 113 0 0 0 0 0 113 Total commercial other $ 72,179 $ 34,643 $ 41,640 $ 17,272 $ 9,302 $ 25,754 $ 79,018 $ 279,808 Commercial unsecured SBA PPP Risk rating: Pass $ 270,271 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 270,271 Watch 0 0 0 0 0 0 0 0 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total commercial unsecured SBA PPP $ 270,271 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 270,271 Commercial loans Risk rating: Pass $ 517,913 $ 253,540 $ 176,968 $ 162,285 $ 157,815 $ 279,315 $ 169,989 $ 1,717,825 Watch 17,820 8,718 14,801 8,400 11,101 20,506 8,583 89,929 OAEM 277 1,269 15,346 1,165 684 3,374 20 22,135 Substandard 14,117 7,859 4,237 8,541 12,990 20,800 778 69,322 Doubtful 0 113 0 0 0 29 0 142 Total commercial loans $ 550,127 $ 271,499 $ 211,352 $ 180,391 $ 182,590 $ 324,024 $ 179,370 $ 1,899,353 (in thousands) Commercial Construction Commercial Secured by Real Estate Equipment Leases Commercial Other Total December 31, 2019 Pass $ 98,102 $ 1,036,573 $ 481 $ 358,203 $ 1,493,359 Watch 3,595 54,338 0 13,618 71,551 OAEM 254 27,964 0 6,065 34,283 Substandard 2,858 51,068 0 11,737 65,663 Doubtful 0 32 0 60 92 Total $ 104,809 $ 1,169,975 $ 481 $ 389,683 $ 1,664,948
Credit Risk Profile of Residential Real Estate and Consumer Loan Portfolio Based on Performing and Nonperforming Status Segregated by Class	The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 7 $ 12,246 $ 92,216 $ 104,469 Nonperforming 0 0 0 0 0 620 365 985 Total home equity lines $ 0 $ 0 $ 0 $ 0 $ 7 $ 12,866 $ 92,581 $ 105,454 Mortgage loans Performing $ 157,390 $ 132,799 $ 63,904 $ 68,011 $ 55,417 $ 296,956 $ 0 $ 774,477 Nonperforming 0 394 761 591 408 7,187 0 9,341 Total mortgage loans $ 157,390 $ 133,193 $ 64,665 $ 68,602 $ 55,825 $ 304,143 $ 0 $ 783,818 Residential loans Performing $ 157,390 $ 132,799 $ 63,904 $ 68,011 $ 55,424 $ 309,202 $ 92,216 $ 878,946 Nonperforming 0 394 761 591 408 7,807 365 10,326 Total residential loans $ 157,390 $ 133,193 $ 64,665 $ 68,602 $ 55,832 $ 317,009 $ 92,581 $ 889,272 Consumer direct loans Performing $ 60,171 $ 39,064 $ 21,959 $ 10,881 $ 7,498 $ 13,867 $ 0 $ 153,440 Nonperforming 9 0 7 25 0 185 0 226 Total consumer direct loans $ 60,180 $ 39,064 $ 21,966 $ 10,906 $ 7,498 $ 14,052 $ 0 $ 153,666 Consumer indirect loans Performing $ 251,162 $ 149,460 $ 114,362 $ 59,549 $ 28,989 $ 11,682 $ 0 $ 615,204 Nonperforming 52 165 110 51 10 16 0 404 Total consumer indirect loans $ 251,214 $ 149,625 $ 114,472 $ 59,600 $ 28,999 $ 11,698 $ 0 $ 615,608 Consumer loans Performing $ 311,333 $ 188,524 $ 136,321 $ 70,430 $ 36,487 $ 25,549 $ 0 $ 768,644 Nonperforming 61 165 117 76 10 201 0 630 Total consumer loans $ 311,394 $ 188,689 $ 136,438 $ 70,506 $ 36,497 $ 25,750 $ 0 $ 769,274 (in thousands) Real Estate Construction Real Estate Mortgage Home Equity Consumer Direct Consumer Indirect Total December 31, 2019 Performing $ 62,716 $ 721,094 $ 110,834 $ 147,954 $ 526,970 $ 1,569,568 Nonperforming 634 11,909 1,060 97 448 14,148 Total $ 63,350 $ 733,003 $ 111,894 $ 148,051 $ 527,418 $ 1,583,716
Collateral Dependent Loans and Loans With/Without Specific Valuation Allowance	In accordance with ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans in determining the allowance for credit losses, the loan shall be evaluated for expected credit losses on an individual basis. Of the loans that CTBI has individually evaluated, the loans listed below by segment are those that are collateral dependent: September 30, 2020 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 4 $ 24,357 $ 250 Commercial real estate residential 4 7,932 0 Commercial real estate nonresidential 11 22,383 200 Commercial other 2 6,087 350 Total collateral dependent loans 21 $ 60,759 $ 800 The hotel/motel, commercial real estate residential, and commercial real estate nonresidential segments are all collateralized with real estate. The loans listed in the commercial other segment are collateralized by various chattel and real estate collateral with collateralized by a leasehold mortgage and assignment of lease on commercial property as well as furniture, fixtures, and equipment of the leasehold property and the remaining collateralized by underground coal mining equipment and junior real estate liens. December 31, 2019 (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 $ 2,836 $ 2,837 $ 0 $ 3,234 $ 170 Commercial secured by real estate 40,346 41,557 0 36,976 1,601 Commercial other 7,829 9,489 0 9,889 460 Real estate mortgage 2,309 2,309 0 2,385 85 Loans with a specific valuation allowance: Commercial construction 174 174 99 215 11 Commercial secured by real estate 1,033 2,176 227 1,678 15 Commercial other 3,244 3,244 886 1,323 29 Totals: Commercial construction 3,010 3,011 99 3,449 181 Commercial secured by real estate 41,379 43,733 227 38,654 1,616 Commercial other 11,073 12,733 886 11,212 489 Real estate mortgage 2,309 2,309 0 2,385 85 Total $ 57,771 $ 61,786 $ 1,212 $ 55,700 $ 2,371 September 30, 2019 (in thousands) Recorded Balance Unpaid Contractual Principal Balance Specific Allowance Loans without a specific valuation allowance: Commercial construction $ 2,800 $ 2,800 $ 0 Commercial secured by real estate 38,620 40,134 0 Commercial other 10,690 12,384 0 Real estate mortgage 2,318 2,318 0 Loans with a specific valuation allowance: Commercial construction 174 174 99 Commercial secured by real estate 1,366 2,863 398 Commercial other 347 347 175 Totals: Commercial construction 2,974 2,974 99 Commercial secured by real estate 39,986 42,997 398 Commercial other 11,037 12,731 175 Real estate mortgage 2,318 2,318 0 Total $ 56,315 $ 61,020 $ 672 Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 (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 $ 2,959 $ 37 $ 3,344 $ 132 Commercial secured by real estate 39,217 442 35,762 1,192 Commercial other 10,863 92 10,425 380 Real estate mortgage 2,323 23 2,408 64 Loans with a specific valuation allowance: Commercial construction 174 3 229 9 Commercial secured by real estate 1,397 0 1,892 15 Commercial other 358 6 680 29 Totals: Commercial construction 3,133 40 3,573 141 Commercial secured by real estate 40,614 442 37,654 1,207 Commercial other 11,221 98 11,105 409 Real estate mortgage 2,323 23 2,408 64 Total $ 57,291 $ 603 $ 54,740 $ 1,821
Troubled Debt Restructuring	During the third quarter of Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the and nine months ended September and and the year ended December : Three Months Ended September 30, 2020 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 1 $ 101 $ 0 $ 101 Commercial real estate nonresidential 3 4,421 0 4,421 Commercial other 1 52 0 52 Total commercial loans 5 4,574 0 4,574 Real estate mortgage 1 283 0 283 Total residential loans 1 283 0 283 Total troubled debt restructurings 6 $ 4,857 $ 0 $ 4,857 Three Months Ended September 30, 2020 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 1 $ 101 $ 0 $ 101 Commercial real estate nonresidential 3 4,479 0 4,479 Commercial other 1 52 0 52 Total commercial loans 5 4,632 0 4,632 Real estate mortgage 1 282 0 282 Total residential loans 1 282 0 282 Total troubled debt restructurings 6 $ 4,914 $ 0 $ 4,914 Nine Months Ended September 30, 2020 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 12 $ 4,694 $ 1,809 $ 6,503 Commercial real estate nonresidential 15 7,185 510 7,695 Commercial other 10 631 25 656 Total commercial loans 37 12,510 2,344 14,854 Real estate mortgage 3 1,216 0 1,216 Total residential loans 3 1,216 0 1,216 Total troubled debt restructurings 40 $ 13,726 $ 2,344 $ 16,070 Nine Months Ended September 30, 2020 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 12 $ 4,696 $ 1,809 $ 6,505 Commercial real estate nonresidential 15 7,234 510 7,744 Commercial other 10 565 25 590 Total commercial loans 37 12,495 2,344 14,839 Real estate mortgage 3 1,203 0 1,203 Total residential loans 3 1,203 0 1,203 Total troubled debt restructurings 40 $ 13,698 $ 2,344 $ 16,042 Year Ended December 31, 2019 (in thousands) Number of Loans Term Modification Rate Modification Combination Post- Modification Outstanding Balance Commercial: Commercial secured by real estate 17 $ 6,105 $ 0 $ 679 $ 6,784 Commercial other 17 1,565 0 264 1,829 Residential: Real estate mortgage 1 463 0 0 463 Total troubled debt restructurings 35 $ 8,133 $ 0 $ 943 $ 9,076 Three Months Ended September 30, 2019 (in thousands) Number of Loans Term Modification Rate Modification Combination Post- Modification Outstanding Balance Commercial: Commercial secured by real estate 3 $ 270 $ 0 $ 0 $ 270 Commercial other 2 32 0 0 32 Total troubled debt restructurings 5 $ 302 $ 0 $ 0 $ 302 Nine Months Ended September 30, 2019 (in thousands) Number of Loans Term Modification Rate Modification Combination Post- Modification Outstanding Balance Commercial: Commercial secured by real estate 13 $ 4,784 $ 0 $ 679 $ 5,463 Commercial other 13 1,292 0 140 1,432 Residential: Real estate mortgage 2 463 0 243 706 Total troubled debt restructurings 28 $ 6,539 $ 0 $ 1,062 $ 7,601
Defaulted Restructured Loans	Loans retain their accrual status at the time of their modification. As a result, if a loan is on nonaccrual at the time it is modified, it stays as nonaccrual, and if a loan is on accrual at the time of the modification, it generally stays on accrual. Commercial and consumer loans modified in a troubled debt restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a troubled debt restructuring subsequently default, CTBI evaluates the loan for possible further impairment. The allowance for loan losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. Presented below, segregated by class of loans, are loans that were modified as troubled debt restructurings within the past months which have subsequently defaulted. CTBI considers a loan in default when it is days or more past due or transferred to nonaccrual. Presented below, segregated by segment, are troubled debt restructurings for which there was a payment default during the periods indicated and such default was within months of the loan modification. (in s) Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 Number of Loans Recorded Balance Number of Loans Recorded Balance Commercial: Commercial real estate residential 0 $ 0 0 $ 0 Commercial other 0 0 3 368 Total defaulted restructured loans 0 $ 0 3 $ 368 (in thousand s) Three Months Ended September 30, 2019 Nine Months Ended September 30, 2019 Number of Loans Recorded Balance Number of Loans Recorded Balance Commercial: Commercial real estate residential 1 $ 30 1 $ 30 Commercial other 1 34 1 34 Total defaulted restructured loans 2 $ 64 2 $ 64

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2020
Other Real Estate Owned [Abstract]
Activity for Other Real Estate Owned	Activity for other real estate owned was as follows: Three Months Ended September 30 Nine Months Ended September 30 (in thousands) 2020 2019 2020 2019 Beginning balance of other real estate owned $ 17,675 $ 22,536 $ 19,480 $ 27,273 New assets acquired 238 647 2,100 1,889 Fair value adjustments (257 ) (2,173 ) (1,021 ) (3,311 ) Sale of assets (2,070 ) (1,177 ) (4,973 ) (6,018 ) Ending balance of other real estate owned $ 15,586 $ 19,833 $ 15,586 $ 19,833
Major Classifications of Foreclosed Properties	The major classifications of foreclosed properties are shown in the following table: (in thousands) September 30 2020 December 31 2019 1-4 family $ 2,191 $ 3,630 Construction/land development/other 9,359 10,211 Multifamily 88 88 Non-farm/non-residential 3,948 5,551 Total foreclosed properties $ 15,586 $ 19,480

Repurchase Agreements (Tables)

Repurchase Agreements (Tables)	9 Months Ended
	Sep. 30, 2020
Repurchase Agreements [Abstract]
Remaining Contractual Maturity of Securities Sold Under Agreements to Repurchase by Class of Collateral Pledged	The remaining contractual maturity of the securities sold under agreements to repurchase by class of collateral pledged included in the accompanying consolidated balance sheets as of September 30, 2020 September 30, 2020 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Up to 30 days 30-90 days Greater Than Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 13,457 $ 7,031 $ 0 $ 29,445 $ 49,933 State and political subdivisions 55,477 1,519 3,863 7,158 68,017 U.S. government sponsored agency mortgage-backed securities 39,250 22,450 96,137 92,001 249,838 Total $ 108,184 $ 31,000 $ 100,000 $ 128,604 $ 367,788 December 31, 2019 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Up to 30 days 30-90 days Greater Than Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 15,001 $ 0 $ 3,479 $ 58,953 $ 77,433 State and political subdivisions 51,193 0 1,768 11,165 64,126 U.S. government sponsored agency mortgage-backed securities 35,480 0 1,996 47,882 85,358 Total $ 101,674 $ 0 $ 7,243 $ 118,000 $ 226,917

Fair Market Value of Financia_2

Fair Market Value of Financial Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2020
Fair Market Value of Financial Assets and Liabilities [Abstract]
Fair Value Assets Measured on Recurring Basis	The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis as of September 30, 2020 and December 31, 2019 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at September 30, 2020 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 85,381 $ 3,100 $ 82,281 $ 0 State and political subdivisions 131,305 0 131,305 0 U.S. government sponsored agency mortgage-backed securities 676,874 0 676,874 0 Other debt securities 55,529 0 55,529 0 Equity securities at fair value 2,212 0 0 2,212 Mortgage servicing rights 3,109 0 0 3,109 Fair Value Measurements at December 31, 2019 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 171,150 $ 54,263 $ 116,887 $ 0 State and political subdivisions 102,307 0 102,307 0 U.S. government sponsored agency mortgage-backed securities 295,245 0 295,245 0 Other debt securities 31,142 0 31,142 0 Equity securities at fair value 1,953 0 0 1,953 Mortgage servicing rights 3,263 0 0 3,263
Reconciliation of the Beginning and Ending Balance of Recurring Fair Value Measurements Using Significant Unobservable (Level 3) Inputs	Following is a reconciliation of the beginning and ending balances of recurring fair value measurements, for the periods indicated, using significant unobservable (Level 3) inputs: (in thousands) Three Months Ended September 30, 2020 Three Months Ended September 30, 2019 Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 2,094 $ 2,518 $ 1,727 $ 3,119 Total unrealized gains (losses) Included in net income 118 286 16 (325 ) Issues 0 611 0 139 Settlements 0 (306 ) 0 (29 ) Ending balance $ 2,212 $ 3,109 $ 1,743 $ 2,904 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 119 $ 286 $ 16 $ (325 ) (in thousands) Nine Months Ended September 30, 2020 Nine Months Ended September 30, 2019 Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 1,953 $ 3,263 $ 1,173 $ 3,607 Total unrealized gains (losses) Included in net income 259 (680 ) 570 (907 ) Issues 0 1,171 0 446 Settlements 0 (645 ) 0 (242 ) Ending balance $ 2,212 $ 3,109 $ 1,743 $ 2,904 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 259 $ (680 ) $ 570 $ (907 )
Realized and Unrealized Gains and Losses for Items Included in Net Income in the Consolidated Statements of Income	Realized and unrealized gains and losses for items reflected in the table above are included in net income in the consolidated statements of income as follows: Noninterest Income Three Months Ended September 30 Nine Months Ended September 30 (in thousands) 2020 2019 2020 2019 Total gains (losses) $ 99 $ (338 ) $ (1,066 ) $ (579 )
Fair Value Measurements of Recognized Assets Measured on Nonrecurring Basis	The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a nonrecurring basis as of 30, 2020 and December 31, 2019 and indicate the level within the fair value hierarchy of Fair Value Measurements at September 30, 2020 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 2,423 $ 0 $ 0 $ 2,423 Other real estate owned 2,461 0 0 2,461 Fair Value Measurements at December 31, 2019 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Impaired loans (collateral dependent) $ 3,217 $ 0 $ 0 $ 3,217 Other real estate owned 12,593 0 0 12,593
Quantitative Information About Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements	The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at September 30, 2020 and December 31, 2019. (in thousands) Quantitative Information about Level 3 Fair Value Measurements Fair Value at September 30, 2020 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $2,212 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2022 Dec 2026 ( Dec 2024 Mortgage servicing rights $3,109 Discount cash flows, computer pricing model Constant prepayment rate 0.0%% - 31.8% (19.7%) Probability of default 0.0% - 100.0% (1.6%) Discount rate 10.0% - 11.5% (10.1%) Collateral dependent loans $2,423 Market comparable properties Marketability discount (0.01)% - 31.5% (16.2%) Other real estate owned $2,461 Market comparable properties Comparability adjustments 10.0% - 31.4% (16.8%) (in thousands) Quantitative Information about Level 3 Fair Value Measurements Fair Value at December 31, 2019 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $1,953 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2022 Dec 2026 ( Dec 2024 Mortgage servicing rights $3,263 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 24.3% (11.7%) Probability of default 0.0% - 100.0% (2.7%) Discount rate 10.0% - 11.5% (10.1%) Impaired loans (collateral-dependent) $3,217 Market comparable properties Marketability discount 7.0% - 99.0% (46.0%) Other real estate owned $12,593 Market comparable properties Comparability adjustments 6.0% - 29.8% (11.3%)
Fair Value of Financial Instruments and Levels within the Fair Value Hierarchy of the Valuation Techniques	The following table presents estimated fair value of CTBI’s financial instruments as of September 30, 2020 and indicates the level within the fair value hierarchy of the valuation techniques. In accordance with the adoption of ASU 2016-01, the fair values as of September 30, 2020 were measured using an exit price notion. Fair Value Measurements at September 30, 2020 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 257,768 $ 257,768 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 949,089 3,100 945,989 0 Equity securities at fair value 2,212 0 0 2,212 Loans held for sale 20,125 20,581 0 0 Loans, net 3,509,913 0 0 3,641,439 Federal Home Loan Bank stock 10,123 0 10,123 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 14,714 0 14,714 0 Mortgage servicing rights 3,109 0 0 3,109 Financial liabilities: Deposits $ 3,894,181 $ 1,103,863 $ 2,824,616 $ 0 Repurchase agreements 367,788 0 0 367,533 Federal funds purchased 2,400 0 2,400 0 Advances from Federal Home Loan Bank 400 0 440 0 Long-term debt 57,841 0 0 39,603 Accrued interest payable 5,179 0 5,179 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0 The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2019 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2019 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 264,683 $ 264,683 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 599,844 54,263 545,581 0 Debt securities held-to-maturity 517 0 517 0 Equity securities at fair value 1,953 0 0 1,953 Loans held for sale 1,167 1,191 0 0 Loans, net 3,213,568 0 0 3,283,876 Federal Home Loan Bank stock 10,474 0 10,474 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 14,836 0 14,836 0 Mortgage servicing rights 3,263 0 0 3,263 Financial liabilities: Deposits $ 3,405,572 $ 865,760 $ 2,560,271 $ 0 Repurchase agreements 226,917 0 0 226,921 Federal funds purchased 7,906 0 7,906 0 Advances from Federal Home Loan Bank 415 0 446 0 Long-term debt 57,841 0 0 49,382 Accrued interest payable 2,839 0 2,839 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following table sets forth the computation of basic and diluted earnings per share: Three Months Ended September 30 Nine Months Ended September 30 (in thousands except per share data) 2020 2019 2020 2019 Numerator: Net income $ 17,447 $ 15,269 $ 43,678 $ 48,532 Denominator: Basic earnings per share: Weighted average shares 17,746 17,726 17,746 17,720 Diluted earnings per share: Effect of dilutive stock options and restricted stock grants 6 17 7 13 Adjusted weighted average shares 17,752 17,743 17,753 17,733 Earnings per share: Basic earnings per share $ 0.98 $ 0.86 $ 2.46 $ 2.74 Diluted earnings per share 0.98 0.86 2.46 2.74

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2020
Accumulated Other Comprehensive Income [Abstract]
Amounts Reclassified from Accumulated Other Comprehensive Income (AOCI)	Amounts reclassified from accumulated other comprehensive income (AOCI) and the affected line items in the statements of income during the three and nine Amounts Reclassified from AOCI (in thousands) Three Months Ended September 30 Nine Months Ended September 30 2020 2019 2020 2019 Affected line item in the statements of income Securities gains $ 24 $ (2 ) $ 1,069 $ 4 Tax expense 6 (1 ) 278 1 Total reclassifications out of AOCI $ 18 $ (1 ) $ 791 $ 3

COVID-19 and CARES Act Loan A_2

COVID-19 and CARES Act Loan Activities (Tables)	9 Months Ended
	Sep. 30, 2020
COVID-19 and CARES Act Loan Activities [Abstract]
CARES Act Loan Deferral Status	CARES Act Loan Deferral Status Deferrals One Time Two Times Three Times Resumed Payments (dollars in thousands) Number Amount Number Amount Number Amount Number Amount Commercial 829 $ 620,509 125 $ 203,431 4 $ 1,365 617 $ 435,296 Mortgage 500 59,660 59 7,026 1 27 290 37,778 Consumer 1,945 35,629 5 81 0 0 1,646 31,171 3,274 $ 715,798 189 $ 210,538 5 $ 1,392 2,553 $ 504,245

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)Payment		Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)
New Accounting Standards [Abstract]
Other liabilities	$ 28,705			$ 29,332
Equity, net of tax	644,450		$ 631,847	614,886	$ 605,518	$ 594,708	$ 564,150
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount	47,986	[1]		$ 35,096	34,811	34,998	35,908
% of portfolio				1.08%
Reserve for unfunded lending commitments				$ 274
Investments [Abstract]
Securities held-to-maturity	$ 0			517
Loans [Abstract]
Impact of difference in amortized cost basis versus consideration of loan balances on allowance for credit losses	1
Past due period after which loans must be well secured and in the process of collection to continue accruing interest	90 days
Period of current principal and interest payments for reclassifying nonaccrual loans as accruing loans	6 months
Allowance for Loan and Lease Losses [Abstract]
Number of delinquent monthly payments before loan charge off | Payment	5
Current value assessment period for past due loans secured against real estate	90 days
Threshold period past due for initiation of foreclosure proceedings	120 days
Minimum [Member]
Allowance for Loan and Lease Losses [Abstract]
Percentage exposure of capital	5.00%
Other Real Estate Owned [Abstract]
Typical frequency of periodic reviews	12 months
Maximum [Member]
Other Real Estate Owned [Abstract]
Typical frequency of periodic reviews	18 months
Frequency of periodic reviews in general	24 months
Commercial Loans [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 21,683
% of portfolio				1.30%
Residential Mortgage [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 5,501
% of portfolio				0.61%
Consumer Direct [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 1,711
% of portfolio				1.16%
Consumer Indirect [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 6,201
% of portfolio				1.18%
Commercial [Member]
Allowance for Loan and Lease Losses [Abstract]
Threshold period past due for individual evaluations	90 days
Commercial [Member] | 90+ Days Past Due [Member] | Minimum [Member]
Allowance for Loan and Lease Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	$ 1,000
Commercial [Member] | Nonaccrual Status [Member] | Minimum [Member]
Allowance for Loan and Lease Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1,000
Threshold amount of outstanding loan balance for specific reserve to be created	1,000
Commercial [Member] | TDR [Member] | Minimum [Member]
Allowance for Loan and Lease Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1,000
Threshold amount of outstanding loan balance for specific reserve to be created	1,000
Commercial [Member] | Criticized [Member] | Minimum [Member]
Allowance for Loan and Lease Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1,000
Threshold amount of outstanding loan balance for specific reserve to be created	$ 1,000
Commercial [Member] | Unsecured Commercial Loan [Member]
Allowance for Loan and Lease Losses [Abstract]
Charge off threshold for loans considered uncollectible	90 days
Commercial [Member] | Residential Mortgage [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 14,025	14,375	15,098	14,531
Consumer [Member] | Consumer Direct [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				1,711	1,735	1,767	1,883
Consumer [Member] | Consumer Indirect [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				6,201	$ 6,059	$ 6,960	7,841
Consumer [Member] | Closed-End Consumer Loan [Member]
Allowance for Loan and Lease Losses [Abstract]
Charge off threshold for loans considered uncollectible	120 days
ASU 2016-13 [Member]
New Accounting Standards [Abstract]
Forecast period used in calculating the allowance for credit losses	12 months
Effect of adoption of ASU in allowance for credit losses	$ 3,000
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 38,137
% of portfolio				1.17%
Reserve for unfunded lending commitments				$ 386
ASU 2016-13 [Member] | Commercial Loans [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 21,680
% of portfolio				1.30%
ASU 2016-13 [Member] | Residential Mortgage [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 7,319
% of portfolio				0.81%
ASU 2016-13 [Member] | Consumer Direct [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 1,671
% of portfolio				1.13%
ASU 2016-13 [Member] | Consumer Indirect [Member]
Allowance for loan and lease losses transitioned to allowance for credit losses [Abstract]
Amount				$ 7,467
% of portfolio				1.42%
Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Standards [Abstract]
Equity, net of tax				$ 612,520			$ 563,670
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member]
New Accounting Standards [Abstract]
Other liabilities				112
Equity, net of tax				(2,366)
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Unfunded Commitment [Member]
New Accounting Standards [Abstract]
Other liabilities				112
Equity, net of tax				$ 84
[1]	Effective January 1, 2020, the allowance for loan and lease losses became the allowance for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - USD ($) $ in Thousands	Jan. 31, 2020	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Stock-based Compensation [Abstract]
Stock based compensation expense				$ 708	$ 645
Stock Options [Member]
Stock-based Compensation [Abstract]
Stock based compensation expense		$ 0	$ 8	2	$ 29
Unrecognized compensation expense related to unvested stock option awards		0		$ 0
Options granted to purchase shares of CTBI common stock (in shares)				0	0
Restricted Stock [Member]
Stock-based Compensation [Abstract]
Stock based compensation expense		236	205	$ 706	$ 616
Dividend paid on stock based compensation		21	$ 19	63	$ 56
Unrecognized compensation expense related to restricted stock grants		$ 1,700		$ 1,700
Unrecognized compensation expense, weighted average period				2 years 8 months 12 days
Granted (in shares)		0	0	21,544	27,921
Management Retention Restricted Stock [Member]
Stock-based Compensation [Abstract]
Granted (in shares)	2,500
Award vesting period				5 years
2015 Plan [Member] | Restricted Stock [Member]
Stock-based Compensation [Abstract]
Award vesting period				4 years
2015 Plan [Member] | Restricted Stock [Member] | Maximum [Member]
Stock-based Compensation [Abstract]
Period of certain participant employee termination events following change in control for restriction on restricted stock granted to lapse				24 months

Securities, Available-for-sale

Securities, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale [Abstract]
Amortized cost	$ 931,919	$ 593,945
Gross unrealized gains	18,652	7,860
Gross unrealized losses	(1,482)	(1,961)
Fair value	949,089	599,844
U.S. Treasury and Government Agencies [Member]
Available-for-sale [Abstract]
Amortized cost	85,095	171,250
Gross unrealized gains	535	476
Gross unrealized losses	(249)	(576)
Fair value	85,381	171,150
State and Political Subdivisions [Member]
Available-for-sale [Abstract]
Amortized cost	124,997	99,403
Gross unrealized gains	6,334	2,941
Gross unrealized losses	(26)	(37)
Fair value	131,305	102,307
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	665,331	291,874
Gross unrealized gains	11,783	4,443
Gross unrealized losses	(240)	(1,072)
Fair value	676,874	295,245
Other Debt Securities [Member]
Available-for-sale [Abstract]
Amortized cost	56,496	31,418
Gross unrealized gains	0	0
Gross unrealized losses	(967)	(276)
Fair value	$ 55,529	$ 31,142

Securities, Held-to-maturity Se

Securities, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Held-to-maturity [Abstract]
Amortized cost	$ 0	$ 517
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	$ 0	517
State and Political Subdivisions [Member]
Held-to-maturity [Abstract]
Amortized cost		517
Gross unrealized gains		0
Gross unrealized losses		0
Fair value		$ 517

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale, amortized cost [Abstract]
Due in one year or less	$ 10,746
Due after one through five years	17,907
Due after five through ten years	93,860
Due after ten years	87,579
Amortized cost	931,919	$ 593,945
Available for sale, fair value [Abstract]
Due in one year or less	10,775
Due after one through five years	18,451
Due after five through ten years	95,061
Due after ten years	92,399
Fair value	949,089	599,844
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Without single maturity date	665,331
Amortized cost	665,331	291,874
Available for sale, fair value [Abstract]
Without single maturity date	676,874
Fair value	676,874	295,245
Other Debt Securities [Member]
Available-for-sale, amortized cost [Abstract]
Without single maturity date	56,496
Amortized cost	56,496	31,418
Available for sale, fair value [Abstract]
Without single maturity date	55,529
Fair value	$ 55,529	$ 31,142

Securities, Gains (Loss) on Sec

Securities, Gains (Loss) on Securities, Securities Pledged, and Securities Sold Under Agreements to Repurchase (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)Security	Sep. 30, 2019USD ($)Security	Sep. 30, 2020USD ($)Security	Sep. 30, 2019USD ($)Security	Dec. 31, 2019USD ($)
Gains (Loss) on Sales of Securities [Abstract}
Net securities gain	$ 142	$ 14	$ 1,328	$ 574
Realized pre-tax gain on sales and calls of AFS securities	23		1,000	4
Realized pre-tax loss on sales and calls of AFS securities		(2)
Unrealized gain from fair market value adjustment of equity securities	119	16	259	$ 570
Equity securities at fair value	2,212		2,212		$ 1,953
Securities pledged as collateral to secure public deposit and for other purposes	348,400		348,400		239,100
Amortized cost of securities sold under agreements to repurchase	383,200		383,200		$ 261,500
Visa Class B Restricted Stock [Member]
Gains (Loss) on Sales of Securities [Abstract}
Equity securities at fair value	2,200		$ 2,200
Increase (Decrease) in fair market value of equity securities	$ 100	$ 16
Number of equity securities sold (in shares) | Security	0	0	0	0

Securities, Securities in Conti

Securities, Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Securities [Abstract]
Percentage of total investment with unrealized losses	21.80%	42.80%
Available-for-sale, amortized cost [Abstract]
Less than 12 months	$ 107,461	$ 85,046
12 months or more	101,307	173,948
Total	208,768	258,994
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(538)	(561)
12 months or more	(944)	(1,400)
Total	(1,482)	(1,961)
Available-for-sale, fair value [Abstract]
Less than 12 months	106,923	84,485
12 months or more	100,363	172,548
Total	207,286	257,033
U.S. Treasury and Government Agencies [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	5,870	25,955
12 months or more	60,681	82,339
Total	66,551	108,294
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(8)	(148)
12 months or more	(241)	(428)
Total	(249)	(576)
Available-for-sale, fair value [Abstract]
Less than 12 months	5,862	25,807
12 months or more	60,440	81,911
Total	66,302	107,718
State and Political Subdivisions [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	2,670	8,356
12 months or more	0	0
Total	2,670	8,356
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(26)	(37)
12 months or more	0	0
Total	(26)	(37)
Available-for-sale, fair value [Abstract]
Less than 12 months	2,644	8,319
12 months or more	0	0
Total	2,644	8,319
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	68,751	19,317
12 months or more	14,300	91,609
Total	83,051	110,926
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(182)	(100)
12 months or more	(58)	(972)
Total	(240)	(1,072)
Available-for-sale, fair value [Abstract]
Less than 12 months	68,569	19,217
12 months or more	14,242	90,637
Total	82,811	109,854
Other Debt Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	30,170	31,418
12 months or more	26,326	0
Total	56,496	31,418
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(322)	(276)
12 months or more	(645)	0
Total	(967)	(276)
Available-for-sale, fair value [Abstract]
Less than 12 months	29,848	31,142
12 months or more	25,681	0
Total	$ 55,529	$ 31,142

Loans, Major Classifications of

Loans, Major Classifications of Loans, Net of Income and Deferred Loan Origination Cost (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)Segment	Dec. 31, 2019USD ($)
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 3,557,899	$ 3,248,664
Number of portfolio segments | Segment	9
Loans held for sale [Abstract]
Loans held for sale	$ 20,125	1,167
Commercial [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	1,899,353	1,664,948
Commercial [Member] | Hotel/Motel [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 259,017
Percentage of total loan	7.30%
Commercial [Member] | Commercial Real Estate Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 284,428
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	742,436
Commercial [Member] | Dealer Floorplans [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	63,393
Commercial [Member] | Construction [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans		104,809
Commercial [Member] | Real Estate Mortgage [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans		1,169,975
Commercial [Member] | Equipment Lease Financing [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans		481
Commercial [Member] | Commercial Other [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	279,808	389,683
Commercial [Member] | Commercial Unsecured SBA PPP [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	270,271
Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	889,272
Residential [Member] | Construction [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans		63,350
Residential [Member] | Real Estate Mortgage [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	783,818	733,003
Residential [Member] | Home Equity Lines [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	105,454	111,894
Consumer [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	769,274
Consumer [Member] | Consumer Direct [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	153,666	148,051
Consumer [Member] | Consumer Indirect [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Total loans	$ 615,608	$ 527,418

Loans, Allowance for Credit Los

Loans, Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020		Sep. 30, 2019
Allowance for Credit Losses [Roll Forward]
Beginning balance	$ 46,634		$ 35,096
Provision charged to expense	2,433	$ 1,253	15,091	[1]	$ 3,006
Losses charged off	(2,268)		(8,492)
Recoveries	1,187		3,251
Ending balance	47,986		47,986
Commercial [Member] | Hotel/Motel [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	6,132		3,371
Provision charged to expense	(81)		2,510
Losses charged off	(42)		(42)
Recoveries	0		0
Ending balance	6,009		6,009
Commercial [Member] | Commercial Real Estate Residential [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	3,439		3,439
Provision charged to expense	1,224		2,035
Losses charged off	(50)		(148)
Recoveries	5		13
Ending balance	4,618		4,618
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	11,408		8,515
Provision charged to expense	475		3,408
Losses charged off	(761)		(937)
Recoveries	32		49
Ending balance	11,154		11,154
Commercial [Member] | Dealer Floorplans [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	1,585		802
Provision charged to expense	(172)		(183)
Losses charged off	0		(26)
Recoveries	0		0
Ending balance	1,413		1,413
Commercial [Member] | Commercial Other [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	4,703		5,556
Provision charged to expense	112		1,749
Losses charged off	(318)		(2,669)
Recoveries	101		353
Ending balance	4,598		4,598
Residential [Member] | Real Estate Mortgage [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	7,336		4,604
Provision charged to expense	524		1,511
Losses charged off	(97)		(276)
Recoveries	23		54
Ending balance	7,786		7,786
Residential [Member] | Home Equity Lines [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	856		897
Provision charged to expense	56		88
Losses charged off	(4)		(4)
Recoveries	1		3
Ending balance	909		909
Consumer [Member] | Consumer Direct [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	1,932		1,711
Provision charged to expense	42		715
Losses charged off	(150)		(780)
Recoveries	95		313
Ending balance	1,919		1,919
Consumer [Member] | Consumer Indirect [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance	9,243		6,201
Provision charged to expense	253		3,258
Losses charged off	(846)		(3,610)
Recoveries	930		2,466
Ending balance	$ 9,580		9,580
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			3,040
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Commercial [Member] | Hotel/Motel [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			170
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Commercial [Member] | Commercial Real Estate Residential [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			(721)
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			119
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Commercial [Member] | Dealer Floorplans [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			820
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Commercial [Member] | Commercial Other [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			(391)
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Residential [Member] | Real Estate Mortgage [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			1,893
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Residential [Member] | Home Equity Lines [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			(75)
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Consumer [Member] | Consumer Direct [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			(40)
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-13 [Member] | Consumer [Member] | Consumer Indirect [Member]
Allowance for Credit Losses [Roll Forward]
Beginning balance			$ 1,265
[1]	Effective January 1, 2020, the provision for loan losses became the provision for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.

Loans, Balance in Allowance for

Loans, Balance in Allowance for Loan and Lease Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands	3 Months Ended				9 Months Ended			12 Months Ended
	Sep. 30, 2020		Mar. 31, 2020	Sep. 30, 2019	Sep. 30, 2020		Sep. 30, 2019	Dec. 31, 2019
Allowance for loan losses [Roll Forward]
Beginning balance			$ 35,096	$ 34,998	$ 35,096		$ 35,908	$ 35,908
Provision charged to expense				1,253			3,006	4,819
Losses charged off				(2,316)			(7,168)	(9,736)
Recoveries				876			3,065	4,105
Ending balance	$ 47,986	[1]		34,811	47,986	[1]	34,811	35,096
Ending balance [Abstract]
Individually evaluated for impairment				672			672	1,212
Collectively evaluated for impairment				34,139			34,139	33,884
Loans ending balance [Abstract]
Individually evaluated for impairment				56,315			56,315	57,771
Collectively evaluated for impairment				3,158,470			3,158,470	3,190,893
Increase (decrease) in allowance for credit loss balance	2,500				$ 1,200
Period of reasonable and supportable forecast					12 months
Increase (decrease) in allowance for credit losses	$ 1,400
Increase (decrease) in allowance for credit losses, percentage	300.00%
Allocations to allowance for credit losses	$ 2,433			1,253	$ 15,091	[2]	3,006
Real Estate Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			5,501		5,501
Ending balance								5,501
Consumer Direct [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			1,711		1,711
Ending balance								1,711
Consumer Indirect [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			6,201		6,201
Ending balance								6,201
Commercial [Member] | Construction [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			1,299	799	1,299		862	862
Provision charged to expense				299			301	497
Losses charged off				(1)			(72)	(72)
Recoveries				3			9	12
Ending balance				1,100			1,100	1,299
Ending balance [Abstract]
Individually evaluated for impairment				99			99	99
Collectively evaluated for impairment				1,001			1,001	1,200
Loans ending balance [Abstract]
Individually evaluated for impairment				2,974			2,974	3,010
Collectively evaluated for impairment				90,560			90,560	101,799
Commercial [Member] | Real Estate Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			14,025	15,098	14,025		14,531	14,531
Provision charged to expense				(742)			79	(137)
Losses charged off				(21)			(401)	(727)
Recoveries				40			166	358
Ending balance				14,375			14,375	14,025
Ending balance [Abstract]
Individually evaluated for impairment				398			398	227
Collectively evaluated for impairment				13,977			13,977	13,798
Loans ending balance [Abstract]
Individually evaluated for impairment				39,986			39,986	41,379
Collectively evaluated for impairment				1,134,778			1,134,778	1,128,596
Commercial [Member] | Equipment Lease Financing [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			4	7	4		12	12
Provision charged to expense				(2)			(7)	(8)
Losses charged off				0			0	0
Recoveries				0			0	0
Ending balance				5			5	4
Ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				5			5	4
Loans ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				651			651	481
Commercial [Member] | Commercial Other [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			6,355	4,889	6,355		4,993	4,993
Provision charged to expense				1,436			2,055	3,032
Losses charged off				(638)			(1,703)	(2,179)
Recoveries				75			417	509
Ending balance				5,762			5,762	6,355
Ending balance [Abstract]
Individually evaluated for impairment				175			175	886
Collectively evaluated for impairment				5,587			5,587	5,469
Loans ending balance [Abstract]
Individually evaluated for impairment				11,037			11,037	11,073
Collectively evaluated for impairment				377,495			377,495	378,610
Residential [Member] | Construction [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			372	358	372		512	512
Provision charged to expense				(28)			(181)	(40)
Losses charged off				0			(1)	(100)
Recoveries				0			0	0
Ending balance				330			330	372
Ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				330			330	372
Loans ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				62,859			62,859	63,350
Residential [Member] | Real Estate Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			4,232	4,187	4,232		4,433	4,433
Provision charged to expense				705			726	414
Losses charged off				(384)			(684)	(767)
Recoveries				10			43	152
Ending balance				4,518			4,518	4,232
Ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				4,518			4,518	4,232
Loans ending balance [Abstract]
Individually evaluated for impairment				2,318			2,318	2,309
Collectively evaluated for impairment				720,314			720,314	730,694
Allocations to allowance for credit losses	524				1,511
Residential [Member] | Home Equity Lines [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			897	933	897		841	841
Provision charged to expense				32			181	172
Losses charged off				(40)			(99)	(139)
Recoveries				2			4	23
Ending balance				927			927	897
Ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				927			927	897
Loans ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				110,663			110,663	111,894
Allocations to allowance for credit losses	56				88
Consumer [Member] | Consumer Direct [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			1,711	1,767	1,711		1,883	1,883
Provision charged to expense				104			385	528
Losses charged off				(218)			(795)	(1,100)
Recoveries				82			262	400
Ending balance				1,735			1,735	1,711
Ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				1,735			1,735	1,711
Loans ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				149,500			149,500	148,051
Allocations to allowance for credit losses	42				715
Consumer [Member] | Consumer Indirect [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			6,201	6,960	6,201		7,841	7,841
Provision charged to expense				(551)			(533)	361
Losses charged off				(1,014)			(3,413)	(4,652)
Recoveries				664			2,164	2,651
Ending balance				6,059			6,059	6,201
Ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				6,059			6,059	6,201
Loans ending balance [Abstract]
Individually evaluated for impairment				0			0	0
Collectively evaluated for impairment				$ 511,650			$ 511,650	527,418
Allocations to allowance for credit losses	$ 253				3,258
ASU 2016-13 [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			38,137		38,137
Ending balance								38,137
ASU 2016-13 [Member] | Inherent Model Risk [Member]
Loans ending balance [Abstract]
Increase (decrease) in allowance for credit loss balance			(1,600)
ASU 2016-13 [Member] | Real Estate Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			7,319		7,319
Ending balance								7,319
ASU 2016-13 [Member] | Consumer Direct [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			1,671		1,671
Ending balance								1,671
ASU 2016-13 [Member] | Consumer Indirect [Member]
Allowance for loan losses [Roll Forward]
Beginning balance			$ 7,467		$ 7,467
Ending balance								$ 7,467
[1]	Effective January 1, 2020, the allowance for loan and lease losses became the allowance for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.
[2]	Effective January 1, 2020, the provision for loan losses became the provision for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.

Loans, Nonaccrual Loans Segrega

Loans, Nonaccrual Loans Segregated by Class of Loans (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		$ 0
Nonaccrual loans with ACL		11,880	$ 13,999
90+ and still accruing		17,989	19,620	[1]
Total nonperforming loans		29,869
Commercial [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		5,469
90+ and still accruing		13,444
Total nonperforming loans		18,913
Commercial [Member] | Hotel/Motel [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		90
90+ and still accruing		0
Total nonperforming loans		90
Commercial [Member] | Commercial Real Estate Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		1,439
90+ and still accruing		4,591
Total nonperforming loans		6,030
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		1,911
90+ and still accruing		8,583
Total nonperforming loans		10,494
Commercial [Member] | Other [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		2,029	3,839
90+ and still accruing		270	2,586	[1]
Total nonperforming loans		2,299
Commercial [Member] | Construction [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with ACL			230
90+ and still accruing	[1]		237
Commercial [Member] | Real Estate Mortgage [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with ACL			3,759
90+ and still accruing	[1]		8,820
Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		6,225
90+ and still accruing		4,101
Total nonperforming loans		10,326
Residential [Member] | Construction [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with ACL			634
90+ and still accruing	[1]		0
Residential [Member] | Real Estate Mortgage [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		5,615	4,821
90+ and still accruing		3,726	7,088	[1]
Total nonperforming loans		9,341
Residential [Member] | Home Equity Lines [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		610	716
90+ and still accruing		375	344	[1]
Total nonperforming loans		985
Consumer [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		186
90+ and still accruing		444
Total nonperforming loans		630
Consumer [Member] | Consumer Direct [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		186
90+ and still accruing		40	97	[1]
Total nonperforming loans		226
Consumer [Member] | Consumer Indirect [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		0
90+ and still accruing		404	$ 448	[1]
Total nonperforming loans		$ 404
[1]	90+ and Accruing are also included in 90+ Days Past Due column.

Loans, Loan Portfolio Aging Ana

Loans, Loan Portfolio Aging Analysis, Segregated by Class (Details) - USD ($)		9 Months Ended
		Sep. 30, 2020	Dec. 31, 2019
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		$ 40,343,000	$ 55,255,000
Current		3,517,556,000	3,193,409,000
Total Loans		3,557,899,000	3,248,664,000
90+ and Accruing		17,989,000	19,620,000	[1]
30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		9,296,000	10,689,000
60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		6,019,000	13,232,000
90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		25,028,000	31,334,000
Commercial [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		22,316,000
Current		1,877,037,000
Total Loans		1,899,353,000	1,664,948,000
90+ and Accruing		13,444,000
Commercial [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		3,030,000
Commercial [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		1,924,000
Commercial [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		17,362,000
Commercial [Member] | Hotel/Motel [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		90,000
Current		258,927,000
Total Loans		259,017,000
90+ and Accruing		$ 0
Percentage of total loan		7.30%
Minimum threshold amount of loans requiring performance bond		$ 500,000
Commercial [Member] | Hotel/Motel [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Hotel/Motel [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Hotel/Motel [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		90,000
Commercial [Member] | Commercial Real Estate Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		7,285,000
Current		277,143,000
Total Loans		284,428,000
90+ and Accruing		4,591,000
Minimum threshold amount of loans requiring performance bond		500,000
Commercial [Member] | Commercial Real Estate Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		1,194,000
Commercial [Member] | Commercial Real Estate Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		498,000
Commercial [Member] | Commercial Real Estate Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		5,593,000
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		12,288,000
Current		730,148,000
Total Loans		742,436,000
90+ and Accruing		8,583,000
Minimum threshold amount of loans requiring performance bond		500,000
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		1,178,000
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		1,198,000
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		9,912,000
Commercial [Member] | Dealer Floorplans [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Current		63,393,000
Total Loans		63,393,000
Commercial [Member] | Dealer Floorplans [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Dealer Floorplans [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Dealer Floorplans [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Commercial Other [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		2,653,000	7,431,000
Current		277,155,000	382,252,000
Total Loans		279,808,000	389,683,000
90+ and Accruing		270,000	2,586,000	[1]
Commercial [Member] | Commercial Other [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		658,000	880,000
Commercial [Member] | Commercial Other [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		228,000	284,000
Commercial [Member] | Commercial Other [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		1,767,000	6,267,000
Commercial [Member] | Commercial Unsecured SBA PPP [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Current		270,271,000
Total Loans		270,271,000
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		0
Commercial [Member] | Construction [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			585,000
Current			104,224,000
Total Loans			104,809,000
90+ and Accruing	[1]		237,000
Commercial [Member] | Construction [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			118,000
Commercial [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			0
Commercial [Member] | Construction [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			467,000
Commercial [Member] | Real Estate Mortgage [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			21,069,000
Current			1,148,906,000
Total Loans			1,169,975,000
90+ and Accruing	[1]		8,820,000
Commercial [Member] | Real Estate Mortgage [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			2,734,000
Commercial [Member] | Real Estate Mortgage [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			5,969,000
Commercial [Member] | Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			12,366,000
Commercial [Member] | Equipment Lease Financing [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			0
Current			481,000
Total Loans			481,000
90+ and Accruing	[1]		0
Commercial [Member] | Equipment Lease Financing [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			0
Commercial [Member] | Equipment Lease Financing [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			0
Commercial [Member] | Equipment Lease Financing [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			0
Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		13,262,000
Current		876,010,000
Total Loans		889,272,000
90+ and Accruing		4,101,000
Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		2,923,000
Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		3,303,000
Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		7,036,000
Residential [Member] | Construction [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			803,000
Current			62,547,000
Total Loans			63,350,000
90+ and Accruing	[1]		0
Residential [Member] | Construction [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			117,000
Residential [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			52,000
Residential [Member] | Construction [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due			634,000
Residential [Member] | Real Estate Mortgage [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		11,664,000	16,470,000
Current		772,154,000	716,533,000
Total Loans		783,818,000	733,003,000
90+ and Accruing		3,726,000	7,088,000	[1]
Residential [Member] | Real Estate Mortgage [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		2,299,000	774,000
Residential [Member] | Real Estate Mortgage [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		3,029,000	5,376,000
Residential [Member] | Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		6,336,000	10,320,000
Residential [Member] | Home Equity Lines [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		1,598,000	2,232,000
Current		103,856,000	109,662,000
Total Loans		105,454,000	111,894,000
90+ and Accruing		375,000	344,000	[1]
Residential [Member] | Home Equity Lines [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		624,000	1,084,000
Residential [Member] | Home Equity Lines [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		274,000	412,000
Residential [Member] | Home Equity Lines [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		700,000	736,000
Consumer [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		4,765,000
Current		764,509,000
Total Loans		769,274,000
90+ and Accruing		444,000
Consumer [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		3,343,000
Consumer [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		792,000
Consumer [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		630,000
Consumer [Member] | Consumer Direct [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		842,000	1,272,000
Current		152,824,000	146,779,000
Total Loans		153,666,000	148,051,000
90+ and Accruing		40,000	97,000	[1]
Consumer [Member] | Consumer Direct [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		511,000	945,000
Consumer [Member] | Consumer Direct [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		105,000	230,000
Consumer [Member] | Consumer Direct [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		226,000	97,000
Consumer [Member] | Consumer Indirect [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		3,923,000	5,393,000
Current		611,685,000	522,025,000
Total Loans		615,608,000	527,418,000
90+ and Accruing		404,000	448,000	[1]
Consumer [Member] | Consumer Indirect [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		2,832,000	4,037,000
Consumer [Member] | Consumer Indirect [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		687,000	909,000
Consumer [Member] | Consumer Indirect [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Total Past Due		$ 404,000	$ 447,000
[1]	90+ and Accruing are also included in 90+ Days Past Due column.

Loans, Credit Risk Profile Base

Loans, Credit Risk Profile Based on Rating Category and Payment Activity and on Performing and Nonperforming Status, Segregated by Class (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile	$ 3,557,899	$ 3,248,664
Consumer mortgage loans secured by real estate properties for which formal foreclosure proceedings are in process	2,600	2,400
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	550,127
2019	271,499
2018	211,352
2017	180,391
2016	182,590
Prior	324,024
Revolving Loans	179,370
Total	1,899,353
Loan portfolio based on credit risk profile	1,899,353	1,664,948
Commercial [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	517,913
2019	253,540
2018	176,968
2017	162,285
2016	157,815
Prior	279,315
Revolving Loans	169,989
Total	$ 1,717,825
Loan portfolio based on credit risk profile		1,493,359
Commercial [Member] | Pass [Member] | Minimum [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Review period for loans	12 months
Commercial [Member] | Pass [Member] | Maximum [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Review period for loans	18 months
Commercial [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	$ 17,820
2019	8,718
2018	14,801
2017	8,400
2016	11,101
Prior	20,506
Revolving Loans	8,583
Total	89,929
Loan portfolio based on credit risk profile		71,551
Commercial [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	277
2019	1,269
2018	15,346
2017	1,165
2016	684
Prior	3,374
Revolving Loans	20
Total	22,135
Loan portfolio based on credit risk profile		34,283
Commercial [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	14,117
2019	7,859
2018	4,237
2017	8,541
2016	12,990
Prior	20,800
Revolving Loans	778
Total	69,322
Loan portfolio based on credit risk profile		65,663
Commercial [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	113
2018	0
2017	0
2016	0
Prior	29
Revolving Loans	0
Total	142
Loan portfolio based on credit risk profile		92
Commercial [Member] | Hotel/Motel [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	35,204
2019	73,225
2018	39,672
2017	43,234
2016	32,135
Prior	35,547
Revolving Loans	0
Total	259,017
Loan portfolio based on credit risk profile	259,017
Commercial [Member] | Hotel/Motel [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	24,777
2019	71,232
2018	26,681
2017	42,121
2016	20,735
Prior	28,010
Revolving Loans	0
Total	213,556
Commercial [Member] | Hotel/Motel [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	10,427
2019	1,993
2018	3,325
2017	0
2016	2,450
Prior	2,229
Total	20,424
Commercial [Member] | Hotel/Motel [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	9,576
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	9,576
Commercial [Member] | Hotel/Motel [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	90
2017	1,113
2016	8,950
Prior	5,308
Revolving Loans	0
Total	15,461
Commercial [Member] | Hotel/Motel [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Commercial Real Estate Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	70,701
2019	47,743
2018	36,857
2017	26,822
2016	30,129
Prior	60,471
Revolving Loans	11,705
Total	284,428
Loan portfolio based on credit risk profile	284,428
Commercial [Member] | Commercial Real Estate Residential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	65,218
2019	43,078
2018	31,568
2017	18,810
2016	24,246
Prior	51,616
Revolving Loans	10,976
Total	245,512
Commercial [Member] | Commercial Real Estate Residential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	1,004
2019	2,799
2018	2,452
2017	2,985
2016	4,524
Prior	5,444
Revolving Loans	279
Total	19,487
Commercial [Member] | Commercial Real Estate Residential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	277
2019	1,269
2018	608
2017	950
2016	240
Prior	58
Revolving Loans	0
Total	3,402
Commercial [Member] | Commercial Real Estate Residential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	4,202
2019	597
2018	2,229
2017	4,077
2016	1,119
Prior	3,353
Revolving Loans	450
Total	16,027
Commercial [Member] | Commercial Real Estate Residential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	101,772
2019	115,888
2018	93,183
2017	93,063
2016	111,024
Prior	202,252
Revolving Loans	25,254
Total	742,436
Loan portfolio based on credit risk profile	742,436
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	90,288
2019	105,737
2018	83,581
2017	85,451
2016	105,975
Prior	175,249
Revolving Loans	24,042
Total	670,323
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	3,653
2019	3,437
2018	7,965
2017	4,753
2016	3,541
Prior	11,972
Revolving Loans	976
Total	36,297
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	69
2017	1
2016	0
Prior	3,306
Revolving Loans	20
Total	3,396
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	7,831
2019	6,714
2018	1,568
2017	2,858
2016	1,508
Prior	11,696
Revolving Loans	216
Total	32,391
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	29
Revolving Loans	0
Total	29
Commercial [Member] | Dealer Floorplans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	63,393
Total	63,393
Loan portfolio based on credit risk profile	63,393
Commercial [Member] | Dealer Floorplans [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	63,069
Total	63,069
Commercial [Member] | Dealer Floorplans [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	324
Total	324
Commercial [Member] | Dealer Floorplans [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Dealer Floorplans [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Dealer Floorplans [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Commercial Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	72,179
2019	34,643
2018	41,640
2017	17,272
2016	9,302
Prior	25,754
Revolving Loans	79,018
Total	279,808
Loan portfolio based on credit risk profile	279,808	389,683
Commercial [Member] | Commercial Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	67,359
2019	33,493
2018	35,138
2017	15,903
2016	6,859
Prior	24,440
Revolving Loans	71,902
Total	255,094
Loan portfolio based on credit risk profile		358,203
Commercial [Member] | Commercial Other [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	2,736
2019	489
2018	1,059
2017	662
2016	586
Prior	861
Revolving Loans	7,004
Total	13,397
Loan portfolio based on credit risk profile		13,618
Commercial [Member] | Commercial Other [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	5,093
2017	214
2016	444
Prior	10
Revolving Loans	0
Total	5,761
Loan portfolio based on credit risk profile		6,065
Commercial [Member] | Commercial Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	2,084
2019	548
2018	350
2017	493
2016	1,413
Prior	443
Revolving Loans	112
Total	5,443
Loan portfolio based on credit risk profile		11,737
Commercial [Member] | Commercial Other [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	113
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	113
Loan portfolio based on credit risk profile		60
Commercial [Member] | Commercial Unsecured SBA PPP [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	270,271
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	270,271
Loan portfolio based on credit risk profile	270,271
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	270,271
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	270,271
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Total	0
Commercial [Member] | Construction [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		104,809
Commercial [Member] | Construction [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		98,102
Commercial [Member] | Construction [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		3,595
Commercial [Member] | Construction [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		254
Commercial [Member] | Construction [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		2,858
Commercial [Member] | Construction [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		0
Commercial [Member] | Real Estate Mortgage [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		1,169,975
Commercial [Member] | Real Estate Mortgage [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		1,036,573
Commercial [Member] | Real Estate Mortgage [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		54,338
Commercial [Member] | Real Estate Mortgage [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		27,964
Commercial [Member] | Real Estate Mortgage [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		51,068
Commercial [Member] | Real Estate Mortgage [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		32
Commercial [Member] | Equipment Leases [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		481
Commercial [Member] | Equipment Leases [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		481
Commercial [Member] | Equipment Leases [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		0
Commercial [Member] | Equipment Leases [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		0
Commercial [Member] | Equipment Leases [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		0
Commercial [Member] | Equipment Leases [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		0
Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	157,390
2019	133,193
2018	64,665
2017	68,602
2016	55,832
Prior	317,009
Revolving Loans	92,581
Total	889,272
Loan portfolio based on credit risk profile	889,272
Residential [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	157,390
2019	132,799
2018	63,904
2017	68,011
2016	55,424
Prior	309,202
Revolving Loans	92,216
Total	878,946
Residential [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	394
2018	761
2017	591
2016	408
Prior	7,807
Revolving Loans	365
Total	10,326
Residential [Member] | Construction [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		63,350
Residential [Member] | Construction [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		62,716
Residential [Member] | Construction [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		634
Residential [Member] | Real Estate Mortgage [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	157,390
2019	133,193
2018	64,665
2017	68,602
2016	55,825
Prior	304,143
Revolving Loans	0
Total	783,818
Loan portfolio based on credit risk profile	783,818	733,003
Residential [Member] | Real Estate Mortgage [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	157,390
2019	132,799
2018	63,904
2017	68,011
2016	55,417
Prior	296,956
Revolving Loans	0
Total	774,477
Loan portfolio based on credit risk profile		721,094
Residential [Member] | Real Estate Mortgage [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	394
2018	761
2017	591
2016	408
Prior	7,187
Revolving Loans	0
Total	9,341
Loan portfolio based on credit risk profile		11,909
Residential [Member] | Home Equity Lines [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	7
Prior	12,866
Revolving Loans	92,581
Total	105,454
Loan portfolio based on credit risk profile	105,454	111,894
Residential [Member] | Home Equity Lines [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	7
Prior	12,246
Revolving Loans	92,216
Total	104,469
Loan portfolio based on credit risk profile		110,834
Residential [Member] | Home Equity Lines [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	620
Revolving Loans	365
Total	985
Loan portfolio based on credit risk profile		1,060
Consumer [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	311,394
2019	188,689
2018	136,438
2017	70,506
2016	36,497
Prior	25,750
Revolving Loans	0
Total	769,274
Loan portfolio based on credit risk profile	769,274
Consumer [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	311,333
2019	188,524
2018	136,321
2017	70,430
2016	36,487
Prior	25,549
Revolving Loans	0
Total	768,644
Consumer [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	61
2019	165
2018	117
2017	76
2016	10
Prior	201
Revolving Loans	0
Total	630
Consumer [Member] | Consumer Direct [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	60,180
2019	39,064
2018	21,966
2017	10,906
2016	7,498
Prior	14,052
Revolving Loans	0
Total	153,666
Loan portfolio based on credit risk profile	153,666	148,051
Consumer [Member] | Consumer Direct [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	60,171
2019	39,064
2018	21,959
2017	10,881
2016	7,498
Prior	13,867
Revolving Loans	0
Total	153,440
Loan portfolio based on credit risk profile		147,954
Consumer [Member] | Consumer Direct [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	9
2019	0
2018	7
2017	25
2016	0
Prior	185
Revolving Loans	0
Total	226
Loan portfolio based on credit risk profile		97
Consumer [Member] | Consumer Indirect [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	251,214
2019	149,625
2018	114,472
2017	59,600
2016	28,999
Prior	11,698
Revolving Loans	0
Total	615,608
Loan portfolio based on credit risk profile	615,608	527,418
Consumer [Member] | Consumer Indirect [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	251,162
2019	149,460
2018	114,362
2017	59,549
2016	28,989
Prior	11,682
Revolving Loans	0
Total	615,204
Loan portfolio based on credit risk profile		526,970
Consumer [Member] | Consumer Indirect [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2020	52
2019	165
2018	110
2017	51
2016	10
Prior	16
Revolving Loans	0
Total	$ 404
Loan portfolio based on credit risk profile		448
Residential and Consumer Portfolio Segments [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		1,583,716
Residential and Consumer Portfolio Segments [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		1,569,568
Residential and Consumer Portfolio Segments [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Loan portfolio based on credit risk profile		$ 14,148

Loans, Collateral Dependent Loa

Loans, Collateral Dependent Loans and Loans With/Without Specific Valuation Allowance (Details) $ in Thousands	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)Loan	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Loans with a specific valuation allowance [Abstract]
Specific Allowance	$ 672		$ 672	$ 1,212
Total loans [Abstract]
Recorded balance	56,315		56,315	57,771
Unpaid Contractual Principal Balance	61,020		61,020	61,786
Specific Allowance	672		672	1,212
Average Investment in Impaired Loans	57,291		54,740	55,700
Interest Income Recognized	603		1,821	2,371
Commercial [Member] | Collateral Pledged [Member]
Loans with a specific valuation allowance [Abstract]
Specific Allowance		$ 800
Total loans [Abstract]
Number of Loans | Loan		21
Recorded balance		$ 60,759
Specific Allowance		800
Commercial [Member] | Hotel/Motel [Member] | Collateral Pledged [Member]
Loans with a specific valuation allowance [Abstract]
Specific Allowance		$ 250
Total loans [Abstract]
Number of Loans | Loan		4
Recorded balance		$ 24,357
Specific Allowance		250
Commercial [Member] | Commercial Real Estate Residential [Member] | Collateral Pledged [Member]
Loans with a specific valuation allowance [Abstract]
Specific Allowance		$ 0
Total loans [Abstract]
Number of Loans | Loan		4
Recorded balance		$ 7,932
Specific Allowance		0
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Collateral Pledged [Member]
Loans with a specific valuation allowance [Abstract]
Specific Allowance		$ 200
Total loans [Abstract]
Number of Loans | Loan		11
Recorded balance		$ 22,383
Specific Allowance		200
Commercial [Member] | Commercial Other [Member]
Loans without a specific valuation allowance [Abstract]
Recorded Balance	10,690		10,690	7,829
Unpaid Contractual Principal Balance	12,384		12,384	9,489
Average Investment in Impaired Loans	10,863		10,425	9,889
Interest Income Recognized	92		380	460
Loans with a specific valuation allowance [Abstract]
Recorded Balance	347		347	3,244
Unpaid Contractual Principal Balance	347		347	3,244
Specific Allowance	175		175	886
Average Investment in Impaired Loans	358		680	1,323
Interest Income Recognized	6		29	29
Total loans [Abstract]
Recorded balance	11,037		11,037	11,073
Unpaid Contractual Principal Balance	12,731		12,731	12,733
Specific Allowance	175		175	886
Average Investment in Impaired Loans	11,221		11,105	11,212
Interest Income Recognized	98		409	489
Commercial [Member] | Commercial Other [Member] | Collateral Pledged [Member]
Loans with a specific valuation allowance [Abstract]
Specific Allowance		$ 350
Total loans [Abstract]
Number of Loans | Loan		2
Recorded balance		$ 6,087
Specific Allowance		350
Commercial [Member] | Commercial Other [Member] | Collateral Pledged by Leasehold Mortgage [Member]
Total loans [Abstract]
Recorded balance		5,100
Commercial [Member] | Commercial Other [Member] | Collateral Pledged by Underground Coal Mining Equipment and Junior Real Estate Liens [Member]
Total loans [Abstract]
Recorded balance		$ 1,000
Commercial [Member] | Construction [Member]
Loans without a specific valuation allowance [Abstract]
Recorded Balance	2,800		2,800	2,836
Unpaid Contractual Principal Balance	2,800		2,800	2,837
Average Investment in Impaired Loans	2,959		3,344	3,234
Interest Income Recognized	37		132	170
Loans with a specific valuation allowance [Abstract]
Recorded Balance	174		174	174
Unpaid Contractual Principal Balance	174		174	174
Specific Allowance	99		99	99
Average Investment in Impaired Loans	174		229	215
Interest Income Recognized	3		9	11
Total loans [Abstract]
Recorded balance	2,974		2,974	3,010
Unpaid Contractual Principal Balance	2,974		2,974	3,011
Specific Allowance	99		99	99
Average Investment in Impaired Loans	3,133		3,573	3,449
Interest Income Recognized	40		141	181
Commercial [Member] | Real Estate [Member]
Loans without a specific valuation allowance [Abstract]
Recorded Balance	38,620		38,620	40,346
Unpaid Contractual Principal Balance	40,134		40,134	41,557
Average Investment in Impaired Loans	39,217		35,762	36,976
Interest Income Recognized	442		1,192	1,601
Loans with a specific valuation allowance [Abstract]
Recorded Balance	1,366		1,366	1,033
Unpaid Contractual Principal Balance	2,863		2,863	2,176
Specific Allowance	398		398	227
Average Investment in Impaired Loans	1,397		1,892	1,678
Interest Income Recognized	0		15	15
Total loans [Abstract]
Recorded balance	39,986		39,986	41,379
Unpaid Contractual Principal Balance	42,997		42,997	43,733
Specific Allowance	398		398	227
Average Investment in Impaired Loans	40,614		37,654	38,654
Interest Income Recognized	442		1,207	1,616
Residential [Member] | Real Estate [Member]
Loans without a specific valuation allowance [Abstract]
Recorded Balance	2,318		2,318	2,309
Unpaid Contractual Principal Balance	2,318		2,318	2,309
Average Investment in Impaired Loans	2,323		2,408	2,385
Interest Income Recognized	23		64	85
Loans with a specific valuation allowance [Abstract]
Specific Allowance	0		0	0
Total loans [Abstract]
Recorded balance	2,318		2,318	2,309
Unpaid Contractual Principal Balance	2,318		2,318	2,309
Specific Allowance	0		0	0
Average Investment in Impaired Loans	2,323		2,408	2,385
Interest Income Recognized	$ 23		$ 64	$ 85

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings Segregated by Class (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)Loan	Sep. 30, 2019USD ($)Loan	Sep. 30, 2020USD ($)Loan	Sep. 30, 2019USD ($)Loan	Dec. 31, 2019USD ($)Loan
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	6	5	40	28	35
Pre-Modification Outstanding Recorded Investment	$ 4,857		$ 16,070
Post-Modification Outstanding Balance	4,914	$ 302	16,042	$ 7,601	$ 9,076
Commitment to extend additional credit on loans modified in TDRs	$ 84		$ 84		82
Defaulted restructured loans, number of loans | Loan	0	2	3	2
Defaulted restructured loans, recorded balance	$ 0	$ 64	$ 368	$ 64
Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	4,857		13,726
Post-Modification Outstanding Balance	4,914	302	13,698	6,539	8,133
Rate Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Post-Modification Outstanding Balance		0		0	0
Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		2,344
Post-Modification Outstanding Balance	$ 0	$ 0	$ 2,344	$ 1,062	$ 943
Commercial [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	5		37
Pre-Modification Outstanding Recorded Investment	$ 4,574		$ 14,854
Post-Modification Outstanding Balance	4,632		14,839
Commercial [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	4,574		12,510
Post-Modification Outstanding Balance	4,632		12,495
Commercial [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		2,344
Post-Modification Outstanding Balance	$ 0		$ 2,344
Commercial [Member] | Commercial Real Estate Residential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	1		12
Pre-Modification Outstanding Recorded Investment	$ 101		$ 6,503
Post-Modification Outstanding Balance	$ 101		$ 6,505
Defaulted restructured loans, number of loans | Loan	0	1	0	1
Defaulted restructured loans, recorded balance	$ 0	$ 30	$ 0	$ 30
Commercial [Member] | Commercial Real Estate Residential [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	101		4,694
Post-Modification Outstanding Balance	101		4,696
Commercial [Member] | Commercial Real Estate Residential [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		1,809
Post-Modification Outstanding Balance	$ 0		$ 1,809
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	3		15
Pre-Modification Outstanding Recorded Investment	$ 4,421		$ 7,695
Post-Modification Outstanding Balance	4,479		7,744
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	4,421		7,185
Post-Modification Outstanding Balance	4,479		7,234
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		510
Post-Modification Outstanding Balance	$ 0		$ 510
Commercial [Member] | Commercial Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	1	2	10	13	17
Pre-Modification Outstanding Recorded Investment	$ 52		$ 656
Post-Modification Outstanding Balance	$ 52	$ 32	$ 590	$ 1,432	$ 1,829
Defaulted restructured loans, number of loans | Loan	0	1	3	1
Defaulted restructured loans, recorded balance	$ 0	$ 34	$ 368	$ 34
Commercial [Member] | Commercial Other [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	52		631
Post-Modification Outstanding Balance	52	32	565	1,292	1,565
Commercial [Member] | Commercial Other [Member] | Rate Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Post-Modification Outstanding Balance		0		0	0
Commercial [Member] | Commercial Other [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		25
Post-Modification Outstanding Balance	$ 0	$ 0	$ 25	$ 140	$ 264
Commercial [Member] | Real Estate Mortgage [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan		3		13	17
Post-Modification Outstanding Balance		$ 270		$ 5,463	$ 6,784
Commercial [Member] | Real Estate Mortgage [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Post-Modification Outstanding Balance		270		4,784	6,105
Commercial [Member] | Real Estate Mortgage [Member] | Rate Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Post-Modification Outstanding Balance		0		0	0
Commercial [Member] | Real Estate Mortgage [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Post-Modification Outstanding Balance		$ 0		$ 679	$ 679
Residential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	1		3
Pre-Modification Outstanding Recorded Investment	$ 283		$ 1,216
Post-Modification Outstanding Balance	282		1,203
Residential [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	283		1,216
Post-Modification Outstanding Balance	282		1,203
Residential [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		0
Post-Modification Outstanding Balance	$ 0		$ 0
Residential [Member] | Real Estate Mortgage [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	1		3	2	1
Pre-Modification Outstanding Recorded Investment	$ 283		$ 1,216
Post-Modification Outstanding Balance	282		1,203	$ 706	$ 463
Residential [Member] | Real Estate Mortgage [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	283		1,216
Post-Modification Outstanding Balance	282		1,203	463	463
Residential [Member] | Real Estate Mortgage [Member] | Rate Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Post-Modification Outstanding Balance				0	0
Residential [Member] | Real Estate Mortgage [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0		0
Post-Modification Outstanding Balance	$ 0		$ 0	$ 243	$ 0

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Activity for other real estate owned [Roll Forward]
Beginning balance of other real estate owned	$ 17,675	$ 22,536	$ 19,480	$ 27,273
New assets acquired	238	647	2,100	1,889
Fair value adjustments	(257)	(2,173)	(1,021)	(3,311)
Sale of assets	(2,070)	(1,177)	(4,973)	(6,018)
Ending balance of other real estate owned	15,586	19,833	15,586	19,833
Carrying cost and fair value adjustments for foreclosed properties	$ 500	$ 2,500	$ 2,000	$ 4,300

Other Real Estate Owned, Major

Other Real Estate Owned, Major Classifications of Foreclosed Properties (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 15,586	$ 19,480
1-4 Family [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	2,191	3,630
Construction/Land Development/Other [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	9,359	10,211
Multifamily [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	88	88
Non-farm/Non-residential [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 3,948	$ 5,551

Repurchase Agreements (Details)

Repurchase Agreements (Details) - Securities Sold under Agreements to Repurchase [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial Instruments Pledged as Collateral [Abstract]
Carrying value of investment securities available-for-sale pledged as collateral under repurchase agreements	$ 392,700	$ 264,900
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	367,788	226,917
Overnight and Continuous [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	108,184	101,674
Up to 30 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	31,000	0
30-90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	100,000	7,243
Greater Than 90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	128,604	118,000
U.S. Treasury and Government Agencies [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	49,933	77,433
U.S. Treasury and Government Agencies [Member] | Overnight and Continuous [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	13,457	15,001
U.S. Treasury and Government Agencies [Member] | Up to 30 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	7,031	0
U.S. Treasury and Government Agencies [Member] | 30-90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	3,479
U.S. Treasury and Government Agencies [Member] | Greater Than 90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	29,445	58,953
State and Political Subdivisions [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	68,017	64,126
State and Political Subdivisions [Member] | Overnight and Continuous [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	55,477	51,193
State and Political Subdivisions [Member] | Up to 30 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	1,519	0
State and Political Subdivisions [Member] | 30-90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	3,863	1,768
State and Political Subdivisions [Member] | Greater Than 90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	7,158	11,165
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	249,838	85,358
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Overnight and Continuous [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	39,250	35,480
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Up to 30 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	22,450	0
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | 30-90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	96,137	1,996
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Greater Than 90 Days [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	$ 92,001	$ 47,882

Fair Market Value of Financia_3

Fair Market Value of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	$ 949,089	$ 599,844		$ 949,089		$ 599,844
Equity securities at fair value	2,212	1,953		2,212		1,953
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	2,423			2,423
Impaired loans		3,217				3,217
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Total gains (losses)	99		$ (338)	$ (1,066)	$ (579)
Minimum [Member]
Other real estate owned [Abstract]
Typical frequency of periodic reviews				12 months
Maximum [Member]
Other real estate owned [Abstract]
Typical frequency of periodic reviews				18 months
Frequency of periodic reviews in general				24 months
U.S. Treasury and Government Agencies [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	85,381	171,150		$ 85,381		171,150
State and Political Subdivisions [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	131,305	102,307		131,305		102,307
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	676,874	295,245		676,874		295,245
Other Debt Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	55,529	31,142		55,529		31,142
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	3,100	54,263		3,100		54,263
Equity securities at fair value	0	0		0		0
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	945,989	545,581		945,989		545,581
Equity securities at fair value	0	0		0		0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Equity securities at fair value	2,212	1,953		2,212		1,953
Recurring [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Equity securities at fair value	2,212	1,953		2,212		1,953
Mortgage servicing rights	3,109	3,263		3,109		3,263
Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	85,381	171,150		85,381		171,150
Recurring [Member] | State and Political Subdivisions [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	131,305	102,307		131,305		102,307
Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	676,874	295,245		676,874		295,245
Recurring [Member] | Other Debt Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	55,529	31,142		55,529		31,142
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Equity securities at fair value	0	0		0		0
Mortgage servicing rights	0	0		0		0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Treasury and Government Agencies [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	3,100	54,263		3,100		54,263
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | State and Political Subdivisions [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Debt Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Equity securities at fair value	0	0		0		0
Mortgage servicing rights	0	0		0		0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury and Government Agencies [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	82,281	116,887		82,281		116,887
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | State and Political Subdivisions [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	131,305	102,307		131,305		102,307
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	676,874	295,245		676,874		295,245
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Debt Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	55,529	31,142		55,529		31,142
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Equity securities at fair value	2,212	1,953		2,212		1,953
Mortgage servicing rights	3,109	3,263		3,109		3,263
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Treasury and Government Agencies [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | State and Political Subdivisions [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other Debt Securities [Member]
Assets Measured at Fair Value on Recurring Basis [Abstract]
Debt securities available-for-sale	0	0		0		0
Recurring [Member] | Equity Securities [Member]
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Beginning balance	2,094	1,743	1,727	1,953	1,173	1,173
Total unrealized gains (losses) included in net income	118		16	259	570
Issues	0		0	0	0
Settlements	0		0	0	0
Ending balance	2,212	1,953	1,743	2,212	1,743	1,953
Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	119		16	259	570
Recurring [Member] | Mortgage Servicing Rights [Member]
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Beginning balance	2,518	2,904	3,119	3,263	3,607	3,607
Total unrealized gains (losses) included in net income	286		(325)	(680)	(907)
Issues	611		139	1,171	446
Settlements	(306)		(29)	(645)	(242)
Ending balance	3,109	3,263	2,904	3,109	2,904	3,263
Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	286		(325)	(680)	(907)
Nonrecurring [Member]
Impaired loan (collateral dependent) [Abstract]
Fair value adjustments on collateral dependent loans	400	400	(100)	1,700	300	700
Other real estate owned [Abstract]
Other real estate owned, fair value adjustment	200	700	$ 2,200	600	$ 2,500	3,200
Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	2,423			2,423
Impaired loans		3,217				3,217
Other real estate owned	2,461	12,593		2,461		12,593
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0			0
Impaired loans		0				0
Other real estate owned	0	0		0		0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0			0
Impaired loans		0				0
Other real estate owned	0	0		0		0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	2,423			2,423
Impaired loans		3,217				3,217
Other real estate owned	$ 2,461	$ 12,593		$ 2,461		$ 12,593

Fair Market Value of Financia_4

Fair Market Value of Financial Assets and Liabilities, Quantitative Information about Level 3 Fair Value Measurements (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value	$ 2,212	$ 1,953
Mortgage servicing rights	3,109	3,263
Collateral dependent loans	2,423
Impaired loans		3,217
Other real estate owned	$ 2,461	$ 12,593
Conversion Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	1.6228
Dividend Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.4868
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.080	0.080
Mortgage servicing rights, measurement input	0.100	0.100
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.120	0.120
Mortgage servicing rights, measurement input	0.115	0.115
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.100	0.100
Mortgage servicing rights, measurement input	0.101	0.101
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2022	Dec. 31, 2022
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2026	Dec. 31, 2026
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2024	Dec. 31, 2024
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0	0
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.318	0.243
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.197	0.117
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0	0
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	1	1
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.016	0.027
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	(0.0001)
Impaired loans, measurement input		0.070
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.315
Impaired loans, measurement input		0.990
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.162
Impaired loans, measurement input		0.460
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.100	0.060
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.314	0.298
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.168	0.113

Fair Market Value of Financia_5

Fair Market Value of Financial Assets and Liabilities, Estimated Fair Value of Financial Instruments and Indication of Level Within Fair Value Hierarchy of Valuation Techniques (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial assets [Abstract]
Debt securities available-for-sale	$ 949,089	$ 599,844
Debt securities held-to-maturity	0	517
Equity securities at fair value	2,212	1,953
Federal Reserve Bank stock	4,887	4,887
Mortgage servicing rights	3,109	3,263
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	257,768	264,683
Certificates of deposits in other banks	245	245
Debt securities available-for-sale	949,089	599,844
Debt securities held-to-maturity		517
Equity securities at fair value	2,212	1,953
Loans held for sale	20,125	1,167
Loans, net	3,509,913	3,213,568
Federal Home Loan Bank stock	10,123	10,474
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	14,714	14,836
Mortgage servicing rights	3,109	3,263
Financial liabilities [Abstract]
Deposits	3,894,181	3,405,572
Repurchase agreements	367,788	226,917
Federal funds purchased	2,400	7,906
Advances from Federal Home Loan Bank	400	415
Long-term debt	57,841	57,841
Accrued interest payable	5,179	2,839
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets [Abstract]
Cash and cash equivalents	257,768	264,683
Certificates of deposits in other banks	0	0
Debt securities available-for-sale	3,100	54,263
Debt securities held-to-maturity		0
Equity securities at fair value	0	0
Loans held for sale	20,581	1,191
Loans, net	0	0
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	0	0
Financial liabilities [Abstract]
Deposits	1,103,863	865,760
Repurchase agreements	0	0
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	0	0
Accrued interest payable	0	0
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposits in other banks	245	245
Debt securities available-for-sale	945,989	545,581
Debt securities held-to-maturity		517
Equity securities at fair value	0	0
Loans held for sale	0	0
Loans, net	0	0
Federal Home Loan Bank stock	10,123	10,474
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	14,714	14,836
Mortgage servicing rights	0	0
Financial liabilities [Abstract]
Deposits	2,824,616	2,560,271
Repurchase agreements	0	0
Federal funds purchased	2,400	7,906
Advances from Federal Home Loan Bank	440	446
Long-term debt	0	0
Accrued interest payable	5,179	2,839
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposits in other banks	0	0
Debt securities available-for-sale	0	0
Debt securities held-to-maturity		0
Equity securities at fair value	2,212	1,953
Loans held for sale	0	0
Loans, net	3,641,439	3,283,876
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	3,109	3,263
Financial liabilities [Abstract]
Deposits	0	0
Repurchase agreements	367,533	226,921
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	39,603	49,382
Accrued interest payable	0	0
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	$ 0	$ 0

Revenue Recognition (Details)

Revenue Recognition (Details) $ in Millions	9 Months Ended
	Sep. 30, 2020USD ($)Segment
Revenue Recognition [Abstract]
Contract assets	$ 0
Contract liabilities	0
Receivable accounts for contracts with customers	$ 0
Number of operating segments | Segment	1

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Numerator [Abstract]
Net income	$ 17,447	$ 15,269	$ 43,678	$ 48,532
Basic earnings per share [Abstract]
Weighted average shares (in shares)	17,746,000	17,726,000	17,746,000	17,720,000
Diluted earnings per share [Abstract]
Effect of dilutive stock options and restricted stock grants (in shares)	6,000	17,000	7,000	13,000
Adjusted weighted average shares (in shares)	17,752,000	17,743,000	17,753,000	17,733,000
Earnings per share [Abstract]
Basic earnings per share (in dollars per share)	$ 0.98	$ 0.86	$ 2.46	$ 2.74
Diluted earnings per share (in dollars per share)	$ 0.98	$ 0.86	$ 2.46	$ 2.74
Options [Member]
Earnings Per Share [Abstract]
Options excluded from diluted calculations (in shares)	20,000	0	20,000	0
Options excluded from diluted calculations, weighted average price (in dollars per share)	$ 32.27		$ 32.27

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Amounts Reclassified from AOCI [Abstract]
Securities gains	$ 142	$ 14	$ 1,328	$ 574
Tax expense	3,238	2,504	7,325	4,807
Net income	17,447	15,269	43,678	48,532
Unrealized Gains on AFS Securities [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Amounts Reclassified from AOCI [Abstract]
Securities gains	24	(2)	1,069	4
Tax expense	6	(1)	278	1
Net income	$ 18	$ (1)	$ 791	$ 3

COVID-19 and CARES Act Loan A_3

COVID-19 and CARES Act Loan Activities (Details) $ in Thousands	Oct. 31, 2020USD ($)Loan	Sep. 30, 2020USD ($)LoanCustomer
One Time [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		3,274
Amount of loan deferrals		$ 715,798
Two Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		189
Amount of loan deferrals		$ 210,538
Three Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		5
Amount of loan deferrals		$ 1,392
Resumed Payments [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		2,553
Amount of loan deferrals		$ 504,245
PPP Loans of $50 Thousand or Less [Member] | Subsequent Event [Member]
COVID-19 [Abstract]
Number of PPP loans | Loan	2,031
Amount of PPP loans	$ 37,700
Commercial Loan [Member] | One Time [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		829
Amount of loan deferrals		$ 620,509
Commercial Loan [Member] | Two Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		125
Amount of loan deferrals		$ 203,431
Commercial Loan [Member] | Three Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		4
Amount of loan deferrals		$ 1,365
Commercial Loan [Member] | Resumed Payments [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		617
Amount of loan deferrals		$ 435,296
Residential Loan [Member] | One Time [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		500
Amount of loan deferrals		$ 59,660
Residential Loan [Member] | Two Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		59
Amount of loan deferrals		$ 7,026
Residential Loan [Member] | Three Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		1
Amount of loan deferrals		$ 27
Residential Loan [Member] | Resumed Payments [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		290
Amount of loan deferrals		$ 37,778
Consumer Loan [Member] | One Time [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		1,945
Amount of loan deferrals		$ 35,629
Consumer Loan [Member] | Two Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		5
Amount of loan deferrals		$ 81
Consumer Loan [Member] | Three Times [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		0
Amount of loan deferrals		$ 0
Consumer Loan [Member] | Resumed Payments [Member]
COVID-19 [Abstract]
Number of loan deferrals | Customer		1,646
Amount of loan deferrals		$ 31,171
COVID-19 [Member] | Paycheck Protection Program [Member]
COVID-19 [Abstract]
Number of loans closed | Loan		2,962
Amount of loans closed		$ 277,000
COVID-19 [Member] | PPP Loans Under $350 Thousand [Member]
COVID-19 [Abstract]
Number of loans closed | Loan		2,817
COVID-19 [Member] | PPP Loans Between $350 Thousand and $2.0 Million [Member]
COVID-19 [Abstract]
Number of loans closed | Loan		132
COVID-19 [Member] | PPP Loans Over $2.0 Million [Member]
COVID-19 [Abstract]
Number of loans closed | Loan		13
COVID-19 [Member] | Serviced Loan [Member]
COVID-19 [Abstract]
Number of loan deferrals | Loan		73
Amount of loan deferrals		$ 9,200