Community Trust Bancorp (CTBI) 10-Q 8 Nov 22 2022 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Oct. 31, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Document Transition Report	false
Entity File Number	001-31220
Entity Registrant Name	COMMUNITY TRUST BANCORP INC /KY/
Entity Central Index Key	0000350852
Entity Incorporation, State or Country Code	KY
Entity Tax Identification Number	61-0979818
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
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		17,918,280

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets:
Cash and due from banks	$ 60,527	$ 46,558
Interest bearing deposits	199,102	265,198
Cash and cash equivalents	259,629	311,756
Certificates of deposit in other banks	245	245
Debt securities available-for-sale at fair value (amortized cost of $1,486,869 and $1,461,829, respectively)	1,298,592	1,455,429
Equity securities at fair value	1,969	2,253
Loans held for sale	1,043	2,632
Loans	3,630,616	3,408,813
Allowance for credit losses	(44,433)	(41,756)
Net loans	3,586,183	3,367,057
Premises and equipment, net	41,593	40,479
Right-of-use assets	12,131	12,148
Federal Home Loan Bank stock	6,676	8,139
Federal Reserve Bank stock	4,887	4,887
Goodwill	65,490	65,490
Bank owned life insurance	92,453	91,097
Mortgage servicing rights	8,576	6,774
Other real estate owned	1,864	3,486
Deferred tax asset	46,435	0
Accrued interest receivable	16,513	15,415
Other assets	30,059	30,970
Total assets	5,474,338	5,418,257
Deposits:
Noninterest bearing	1,481,078	1,331,103
Interest bearing	3,053,990	3,013,189
Total deposits	4,535,068	4,344,292
Repurchase agreements	230,123	271,088
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	360	375
Long-term debt	57,841	57,841
Deferred tax liability	0	546
Operating lease liability	11,232	11,583
Finance lease liability	1,404	1,422
Accrued interest payable	2,501	1,016
Other liabilities	32,749	31,392
Total liabilities	4,871,778	4,720,055
Shareholders' equity:
Preferred stock, 300,000 shares authorized and unissued	0	0
Common stock, $5.00 par value, shares authorized 25,000,000; shares issued and outstanding 2022 - 17,901,373; 2021 - 17,843,081	89,506	89,215
Capital surplus	228,484	227,085
Retained earnings	424,006	386,750
Accumulated other comprehensive loss, net of tax	(139,436)	(4,848)
Total shareholders' equity	602,560	698,202
Total liabilities and shareholders' equity	$ 5,474,338	$ 5,418,257

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets:
Debt securities available-for-sale at amortized cost	$ 1,486,869	$ 1,461,829
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 issued (in shares)	17,901,373	17,843,081
Common stock, shares outstanding (in shares)	17,901,373	17,843,081

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income and Comprehensive Income (Loss) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest income:
Interest and fees on loans, including loans held for sale	$ 43,524	$ 40,636	$ 120,925	$ 121,009
Interest and dividends on securities
Taxable	5,830	4,083	15,158	9,806
Tax exempt	740	783	2,264	2,317
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	175	122	423	369
Interest on Federal Reserve Bank deposits	1,105	93	1,460	285
Other, including interest on federal funds sold	31	9	54	26
Total interest income	51,405	45,726	140,284	133,812
Interest expense:
Interest on deposits	6,648	3,119	13,449	9,734
Interest on repurchase agreements and federal funds purchased	666	326	1,256	996
Interest on advances from Federal Home Loan Bank	0	0	1	0
Interest on long-term debt	555	267	1,220	819
Total interest expense	7,869	3,712	15,926	11,549
Net interest income	43,536	42,014	124,358	122,263
Provision for credit losses (recovery)	2,414	(163)	3,366	(6,919)
Net interest income after provision for credit losses (recovery)	41,122	42,177	120,992	129,182
Noninterest income:
Deposit related fees	7,629	7,066	21,638	19,446
Gains on sales of loans, net	235	1,239	1,351	5,579
Trust and wealth management income	2,989	3,039	9,435	9,339
Loan related fees	1,589	1,050	5,066	4,324
Bank owned life insurance	743	654	2,136	1,808
Brokerage revenue	453	519	1,502	1,530
Securities gains (losses)	(159)	(62)	(285)	50
Other noninterest income	1,200	883	3,302	3,410
Total noninterest income	14,679	14,388	44,145	45,486
Noninterest expense:
Officer salaries and employee benefits	4,114	4,861	12,235	13,978
Other salaries and employee benefits	14,432	13,992	42,383	40,668
Occupancy, net	2,259	2,087	6,624	6,300
Equipment	638	646	1,883	1,929
Data processing	2,270	1,911	6,566	5,940
Bank franchise tax	413	453	1,244	1,178
Legal fees	240	245	889	884
Professional fees	512	440	1,614	1,447
Advertising and marketing	768	819	2,179	2,251
FDIC insurance	360	393	1,073	1,042
Other real estate owned provision and expense	42	296	438	1,102
Repossession expense	104	83	335	294
Amortization of limited partnership investments	687	839	2,167	2,514
Other noninterest expense	4,636	3,263	11,182	8,609
Total noninterest expense	31,475	30,328	90,812	88,136
Income before income taxes	24,326	26,237	74,325	86,532
Income taxes	4,954	5,095	14,954	17,841
Net income	19,372	21,142	59,371	68,691
Unrealized holding gains (losses) on debt securities available-for-sale:
Unrealized holding losses arising during the period	(56,091)	(9,322)	(181,877)	(16,703)
Less: Reclassification adjustments for realized gains (losses) included in net income	0	0	(1)	60
Tax benefit	(14,584)	(2,423)	(47,288)	(4,358)
Other comprehensive loss, net of tax	(41,507)	(6,899)	(134,588)	(12,405)
Comprehensive income (loss)	$ (22,135)	$ 14,243	$ (75,217)	$ 56,286
Basic earnings per share (in dollars per share)	$ 1.09	$ 1.19	$ 3.33	$ 3.86
Diluted earnings per share (in dollars per share)	$ 1.08	$ 1.19	$ 3.33	$ 3.86
Weighted average shares outstanding-basic (in shares)	17,841	17,790	17,832	17,783
Weighted average shares outstanding-diluted (in shares)	17,857	17,808	17,844	17,798

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]	Total
Balance at Dec. 31, 2020	$ 89,052	$ 225,507	$ 326,738	$ 13,568	$ 654,865
Balance (in shares) at Dec. 31, 2020	17,810,401
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			68,691		68,691
Other comprehensive loss				(12,405)	(12,405)
Cash dividends declared			(20,808)		(20,808)
Issuance of common stock	$ 178	541			719
Issuance of common stock (in shares)	35,400
Issuance of restricted stock	$ 46	(46)			0
Issuance of restricted stock (in shares)	9,193
Vesting of restricted stock	$ (88)	88			0
Vesting of restricted stock (in shares)	(17,681)
Stock-based compensation		581			581
Balance at Sep. 30, 2021	$ 89,188	226,671	374,621	1,163	691,643
Balance (in shares) at Sep. 30, 2021	17,837,313
Balance at Jun. 30, 2021	$ 89,158	226,268	360,595	8,062	684,083
Balance (in shares) at Jun. 30, 2021	17,831,479
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			21,142		21,142
Other comprehensive loss				(6,899)	(6,899)
Cash dividends declared			(7,116)		(7,116)
Issuance of common stock	$ 30	209			239
Issuance of common stock (in shares)	5,834
Stock-based compensation		194			194
Balance at Sep. 30, 2021	$ 89,188	226,671	374,621	1,163	691,643
Balance (in shares) at Sep. 30, 2021	17,837,313
Balance at Dec. 31, 2021	$ 89,215	227,085	386,750	(4,848)	$ 698,202
Balance (in shares) at Dec. 31, 2021	17,843,081				17,843,081
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			59,371		$ 59,371
Other comprehensive loss				(134,588)	(134,588)
Cash dividends declared			(22,115)		(22,115)
Issuance of common stock	$ 224	531			755
Issuance of common stock (in shares)	44,758
Issuance of restricted stock	$ 202	(202)			0
Issuance of restricted stock (in shares)	40,438
Vesting of restricted stock	$ (135)	135			0
Vesting of restricted stock (in shares)	(26,904)
Stock-based compensation		935			935
Balance at Sep. 30, 2022	$ 89,506	228,484	424,006	(139,436)	$ 602,560
Balance (in shares) at Sep. 30, 2022	17,901,373				17,901,373
Balance at Jun. 30, 2022	$ 89,475	228,020	412,484	(97,929)	$ 632,050
Balance (in shares) at Jun. 30, 2022	17,895,181
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			19,372		19,372
Other comprehensive loss				(41,507)	(41,507)
Cash dividends declared			(7,850)		(7,850)
Issuance of common stock	$ 31	225			256
Issuance of common stock (in shares)	6,192
Stock-based compensation		239			239
Balance at Sep. 30, 2022	$ 89,506	$ 228,484	$ 424,006	$ (139,436)	$ 602,560
Balance (in shares) at Sep. 30, 2022	17,901,373				17,901,373

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Increase (Decrease) in Stockholders' Equity [Roll forward]
Dividends declared per share (in dollars per share)	$ 0.44	$ 0.4	$ 1.24	$ 1.17

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 19,372		$ 21,142	$ 59,371	$ 68,691
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization				3,843	3,791
Deferred taxes				306	(642)
Stock-based compensation				1,008	636
Provision for credit losses (recovery)	2,414	$ 100	(163)	3,366	(6,919)	$ (6,386)
Write-downs of other real estate owned and other repossessed assets				275	637
Gains on sale of mortgage loans held for sale	(235)		(1,239)	(1,351)	(5,579)
Securities (gains)/losses				1	(60)
Fair value adjustment in equity securities	159		62	284	10
Gains on sale of assets, net				(211)	(223)
Proceeds from sale of mortgage loans held for sale				59,416	250,070
Funding of mortgage loans held for sale				(56,476)	(233,288)
Amortization of securities premiums and discounts, net				4,521	5,977
Change in cash surrender value of bank owned life insurance				(1,357)	(1,094)
Payment of operating lease liabilities				(1,325)	(1,271)
Mortgage servicing rights:
Fair value adjustments				(1,247)	(380)
New servicing assets created				(555)	(1,817)
Changes in:
Accrued interest receivable				(1,098)	538
Other assets				911	4,125
Accrued interest payable				1,485	601
Other liabilities				1,247	(1,869)
Net cash provided by operating activities				72,414	81,934
Securities available-for-sale (AFS):
Purchase of AFS securities				(178,055)	(795,657)
Proceeds from sales of AFS securities				0	1,080
Proceeds from prepayments, calls, and maturities of AFS securities				148,494	243,420
Change in loans, net				(221,985)	156,259
Purchase of premises and equipment				(4,309)	(1,171)
Proceeds from sale and retirement of premises and equipment				512	830
Proceeds from sale of stock by Federal Home Loan Bank				1,463	1,909
Proceeds from sale of other real estate owned and repossessed assets				955	2,556
Additional investment in other real estate owned and repossessed assets				(73)	(17,825)
Proceeds from settlement of bank owned life insurance				1	0
Net cash used in investing activities				(252,997)	(408,599)
Cash flows from financing activities:
Change in deposits, net				190,776	280,154
Change in repurchase agreements and federal funds purchased, net				(40,965)	(63,840)
Proceeds from Federal Home Loan Bank advances				20,000	0
Payments on advances from Federal Home Loan Bank				(20,015)	(15)
Payment of finance lease liabilities				(18)	(14)
Issuance of common stock				755	719
Dividends paid				(22,077)	(20,798)
Net cash provided by financing activities				128,456	196,206
Net decrease in cash and cash equivalents				(52,127)	(130,459)
Cash and cash equivalents at beginning of period		$ 311,756		311,756	338,235	338,235
Cash and cash equivalents at end of period	$ 259,629		$ 207,776	259,629	207,776	$ 311,756
Supplemental disclosures:
Income taxes paid				12,260	16,885
Interest paid				14,441	10,948
Non-cash activities:
Loans to facilitate the sale of other real estate owned and repossessed assets				985	1,095
Common stock dividends accrued, paid in subsequent quarter				286	247
Real estate acquired in settlement of loans				$ 478	$ 929

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2022
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, 2022, the results of operations, other comprehensive income (loss), and changes in shareholders’ equity for the three and nine months ended September 30, 2022 and 2021, and the cash flows for the nine months ended September 30, 2022 and 2021. 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, other comprehensive income (loss), and changes in shareholders’ equity for the three and nine months ended September 30, 2022 and 2021 and the cash flows for the nine months ended September 30, 2022 and 2021 are not necessarily indicative of the results to be expected for the full year. The condensed consolidated balance sheet as of December 31, 2021 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, 2021, included in our annual report on Form 10-K. Principles of Consolidation – New Accounting Standards ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting Reference Rate Reform (Topic 848)—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 (“GAAP”) 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. ➢ Troubled Debt Restructurings and Vintage Disclosures Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures he amendments in this ASU eliminate the accounting guidance for troubled debt restructurings (“TDRs”) by creditors in Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors Financial Instruments—Credit Losses—Measured at Amortized Cost ➢ Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement Topic 820: Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement We do not anticipate a significant impact to our consolidated financial statements. Significant Accounting Policies – 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 our 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 significant accounting policies: ➢ Investments – Debt Securities a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as HTM securities) shall be classified as available-for-sale (“AFS”) securities. We do not have any securities that are classified as trading securities. AFS 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. An allowance is recognized for credit losses relative to AFS securities rather than as a reduction in the cost basis of the security. Subsequent improvements in credit quality or reductions in estimated credit losses are 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. HTM securities are subject to an allowance 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 June 30, 2022 and December 31, 2021, 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 in 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 our 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 ➢ The Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) included an election for banking institutions to not apply the guidance on accounting for TDRs 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. The ability to exclude COVID-19-related modifications as TDRs was extended under the Consolidated Appropriations Act 2021 to the earlier of (i) 60 days after the end of the COVID-19 national emergency and (ii) January 1, 2022. CTBI elected to adopt these provisions of the CARES Act, as extended by the Consolidated Appropriations Act 2021 . 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, or commitments as a yield adjustment. ➢ 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 the amortized cost of the 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 1 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 meets one of the following criteria: (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 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 (five 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 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. Forecasting factors including unemployment rates and industry specific forecasts for industries in which our total exposure of capital or greater are also included as factors in the ACL model. Management continually reevaluates the other subjective factors included in our ACL analysi ➢ – We evaluate total goodwill and core deposit intangible for impairment, based upon ASC 350, Intangibles-Goodwill and Other, using fair value techniques including multiples of price/equity. Goodwill and core deposit intangible are evaluated for impairment on an annual basis or as other events may warrant. The balance of goodwill, at $65.5 million, has not changed since January 1, 2015. Our core deposit intangible has been fully amortized since December 31, 2017. ➢

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
	Sep. 30, 2022
Stock-Based Compensation [Abstract]
Stock-Based Compensation	Note 2 – Stock-Based Compensation Restricted stock expense for the three and nine months ended September 30, 2022 was $0.3 million and $1.0 million, respectively, including $27 thousand and $73 thousand, respectively, respectively, ghted average period of 2.9 years. There were no shares of restricted stock granted during the three months ended September 30, 2022 or 2021. There were 40,438 and 9,193 shares of restricted stock granted during the nine months ended September 30, 2022 and 2021, respectively. The restricted stock was issued pursuant to the terms of CTBI’s 2015 Stock Ownership Incentive Plan. There was compensation expense related to stock option grants for the three and nine months ended September 30, 2022 and 2021. As of September 30, 2022, there was no unrecognized compensation expense related to unvested stock option awards, as all stock option awards have fully vested. There were stock options granted in the first nine months of 2022 or 2021

Securities

Securities	9 Months Ended
	Sep. 30, 2022
Securities [Abstract]
Securities	Note 3 – Securities Debt securities are classified into HTM and AFS categories. HTM securities are those that CTBI has the positive intent and ability to hold to maturity and are reported at amortized cost. AFS securities are those that CTBI may decide to sell if needed for liquidity, asset-liability management or other reasons. AFS 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 HTM 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 $ 441,216 $ 272 $ (39,716 ) $ 401,772 State and political subdivisions 326,248 12 (68,184 ) 258,076 U.S. government sponsored agency mortgage-backed securities 626,731 2 (77,694 ) 549,039 Asset-backed securities 92,674 0 (2,969 ) 89,705 Total available-for-sale securities $ 1,486,869 $ 286 $ (188,563 ) $ 1,298,592 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 $ 299,606 $ 351 $ (4,187 ) $ 295,770 State and political subdivisions 334,218 5,524 (5,539 ) 334,203 U.S. government sponsored agency mortgage-backed securities 733,467 5,107 (7,765 ) 730,809 Asset-backed securities 94,538 301 (192 ) 94,647 Total available-for-sale securities $ 1,461,829 $ 11,283 $ (17,683 ) $ 1,455,429 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 $ 38,956 $ 38,386 Due after one through five years 238,514 219,227 Due after five through ten years 273,334 237,002 Due after ten years 216,660 165,233 U.S. government sponsored agency mortgage-backed securities 626,731 549,039 Asset-backed securities 92,674 89,705 Total debt securities $ 1,486,869 $ 1,298,592 During the three months ended September 30, 2022, we had an unrealized loss of $159 thousand from the fair value adjustment of equity securities. During the three months ended September 30, 2021, we had an unrealized loss of $62 thousand from the fair value adjustment of equity securities. During the nine months ended September 30, 2022, we had a net securities loss of $285 thousand, consisting of a pre-tax loss of $1 thousand realized on calls of AFS securities and an unrealized loss of $284 thousand from the fair value adjustment of equity securities. During the nine months ended September 30, 2021, we had a net securities gain of $50 thousand, consisting of a pre-tax gain of $62 thousand and a pre-tax loss of $2 thousand realized on sales and calls of AFS securities and an unrealized loss of $10 thousand from the fair 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 , as a result of a decrease in the fair value in the third quarter The fair value of equity securities decreased in the third quarter equity securities were sold during the nine months ended September The amortized cost of securities pledged as collateral, to secure public deposits and for other purposes, was at September at December The amortized cost of securities sold under agreements to repurchase amounted to at September 30, at December CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of September of total debt securities with unrealized losses as of September compared to as of December The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of September September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 174,884 $ (9,685 ) $ 165,199 State and political subdivisions 138,322 (19,957 ) 118,365 U.S. government sponsored agency mortgage-backed securities 191,768 (11,796 ) 179,972 Asset-backed securities 47,343 (1,439 ) 45,904 Total <12 months temporarily impaired AFS securities 552,317 (42,877 ) 509,440 12 Months or More U.S. Treasury and government agencies 234,630 (30,031 ) 204,599 State and political subdivisions 184,173 (48,227 ) 135,946 U.S. government sponsored agency mortgage-backed securities 434,704 (65,898 ) 368,806 Asset-backed securities 45,331 (1,530 ) 43,801 Total ≥12 months temporarily impaired AFS securities 898,838 (145,686 ) 753,152 Total U.S. Treasury and government agencies 409,514 (39,716 ) 369,798 State and political subdivisions 322,495 (68,184 ) 254,311 U.S. government sponsored agency mortgage-backed securities 626,472 (77,694 ) 548,778 Asset-backed securities 92,674 (2,969 ) 89,705 Total temporarily impaired AFS securities $ 1,451,155 $ (188,563 ) $ 1,262,592 The analysis performed as of December indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following table provides the amortized cost, gross unrealized losses, and fair 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. As stated above, CTBI had no HTM securities as of December 31, 2021. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 249,990 $ (4,123 ) $ 245,867 State and political subdivisions 197,592 (4,779 ) 192,813 U.S. government sponsored agency mortgage-backed securities 473,831 (6,759 ) 467,072 Asset-backed securities 52,229 (190 ) 52,039 Total <12 months temporarily impaired AFS securities 973,642 (15,851 ) 957,791 12 Months or More U.S. Treasury and government agencies 14,505 (64 ) 14,441 State and political subdivisions 19,126 (760 ) 18,366 U.S. government sponsored agency mortgage-backed securities 62,330 (1,006 ) 61,324 Asset-backed securities 1,368 (2 ) 1,366 Total ≥12 months temporarily impaired AFS securities 97,329 (1,832 ) 95,497 Total U.S. Treasury and government agencies 264,495 (4,187 ) 260,308 State and political subdivisions 216,718 (5,539 ) 211,179 U.S. government sponsored agency mortgage-backed securities 536,161 (7,765 ) 528,396 Asset-backed securities 53,597 (192 ) 53,405 Total temporarily impaired AFS securities $ 1,070,971 $ (17,683 ) $ 1,053,288 U.S. Treasury and Government Agencies The unrealized losses in U.S. Treasury and government agencies were caused by interest rate changes. 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 changes. 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 changes. 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 that we will be required to sell the investments before recovery of their amortized cost. Asset-Backed Securities The unrealized losses in asset-backed securities were caused by interest rate changes. 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, 2022
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 2022 December 31 2021 Hotel/motel $ 335,253 $ 257,062 Commercial real estate residential 359,643 335,233 Commercial real estate nonresidential 756,138 757,893 Dealer floorplans 73,221 69,452 Commercial other 310,177 290,478 Commercial unsecured SBA PPP 1,958 47,335 Commercial loans 1,836,390 1,757,453 Real estate mortgage 814,944 767,185 Home equity lines 115,400 106,667 Residential loans 930,344 873,852 Consumer direct 160,866 156,683 Consumer indirect 703,016 620,825 Consumer loans 863,882 777,508 Loans and lease financing $ 3,630,616 $ 3,408,813 The loan portfolios presented above are net of unearned fees and unamortized premiums. Unearned fees included above totaled $ million as of September 30, 2022 and $ million as of December 31, 2021 while the unamortized premiums on the indirect lending portfolio totaled $ million as of September million as of December 31, 2021 CTBI has segregated and evaluates its loan portfolio through ten 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. Dealer floorplans consist of loans to dealerships to finance inventory and are 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 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’s participation in the Paycheck Protection Program (“PPP”) established by the CARES Act resulted in the creation of 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 first and second 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 first lien mortgage loans into the secondary 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. Indirect loans are primarily consumer 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 $1.0 million at September The following tables present the balance in the ACL for the periods ended September 30, 2021 Three Months Ended September 30, 2022 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,844 $ 39 $ 0 $ 0 $ 4,883 Commercial real estate residential 4,200 651 0 25 4,876 Commercial real estate nonresidential 8,968 617 0 10 9,595 Dealer floorplans 1,477 61 0 0 1,538 Commercial other 4,473 886 (307 ) 145 5,197 Real estate mortgage 8,179 (338 ) (11 ) 5 7,835 Home equity 887 41 0 12 940 Consumer direct 1,621 (71 ) (81 ) 205 1,674 Consumer indirect 7,695 528 (804 ) 476 7,895 Total $ 42,344 $ 2,414 $ (1,203 ) $ 878 $ 44,433 Nine Months Ended September 30, 2022 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,080 $ 19 $ (216 ) $ 0 $ 4,883 Commercial real estate residential 3,986 885 (31 ) 36 4,876 Commercial real estate nonresidential 8,884 568 0 143 9,595 Dealer floorplans 1,436 102 0 0 1,538 Commercial other 4,422 1,079 (651 ) 347 5,197 Real estate mortgage 7,637 345 (188 ) 41 7,835 Home equity 866 79 (24 ) 19 940 Consumer direct 1,951 (316 ) (426 ) 465 1,674 Consumer indirect 7,494 605 (1,815 ) 1,611 7,895 Total $ 41,756 $ 3,366 $ (3,351 ) $ 2,662 $ 44,433 Year Ended December 31, 2021 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 6,356 $ (1,276 ) $ 0 $ 0 $ 5,080 Commercial real estate residential 4,464 (488 ) (28 ) 38 3,986 Commercial real estate nonresidential 11,086 (2,233 ) (306 ) 337 8,884 Dealer floorplans 1,382 54 0 0 1,436 Commercial other 4,289 388 (644 ) 389 4,422 Real estate mortgage 7,832 3 (266 ) 68 7,637 Home equity 844 39 (36 ) 19 866 Consumer direct 1,863 256 (684 ) 516 1,951 Consumer indirect 9,906 (3,129 ) (2,361 ) 3,078 7,494 Total $ 48,022 $ (6,386 ) $ (4,325 ) $ 4,445 $ 41,756 Three Months Ended September 30, 2021 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,674 $ (467 ) $ 0 $ 0 $ 5,207 Commercial real estate residential 3,796 79 (4 ) 5 3,876 Commercial real estate nonresidential 9,308 (569 ) (117 ) 8 8,630 Dealer floorplans 1,261 (85 ) 0 0 1,176 Commercial other 4,574 320 (203 ) 52 4,743 Real estate mortgage 7,708 (269 ) (9 ) 8 7,438 Home equity 673 181 (14 ) 5 845 Consumer direct 1,635 290 (194 ) 110 1,841 Consumer indirect 7,066 357 (515 ) 551 7,459 Total $ 41,695 $ (163 ) $ (1,056 ) $ 739 $ 41,215 Nine Months Ended September 30, 2021 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 6,356 $ (1,149 ) $ 0 $ 0 $ 5,207 Commercial real estate residential 4,464 (567 ) (28 ) 7 3,876 Commercial real estate nonresidential 11,086 (2,502 ) (268 ) 314 8,630 Dealer floorplans 1,382 (206 ) 0 0 1,176 Commercial other 4,289 632 (433 ) 255 4,743 Real estate mortgage 7,832 (214 ) (203 ) 23 7,438 Home equity 844 20 (33 ) 14 845 Consumer direct 1,863 91 (502 ) 389 1,841 Consumer indirect 9,906 (3,024 ) (2,007 ) 2,584 7,459 Total $ 48,022 $ (6,919 ) $ (3,474 ) $ 3,586 $ 41,215 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 12 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 12 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 TDRs. Management has manually calculated the estimated impact based on research of modified terms for TDRs. With the continued impact of the global COVID-19 pandemic, including the current historically high rate of inflation, the significant rising rate environment, and the fact that there is no immediate end foreseen, this has been identified as a significant specific event that could impact our customers’ ability to pay. As segments stabilize, these allocations are adjusted with reductions made in the hotel/motel and mortgage segments during the third quarter of 2022. Management continues to have a significant event qualitative factor to anticipate the continued impact of COVID-19 as deferments have ended and the SBA Paycheck Protection Programs are largely over with no approved capacity to fund new loans. Provision for credit losses for the quarter was $2.4 million, compared to provision of $0.1 million for the quarter ended June 30, 2022 and a recovery of provision of $0.2 million for the third quarter 2021. Year-to-date provision was $3.4 million compared to a recovery of $6.9 million during the first nine months of 2021. Our reserve coverage (allowance for credit losses to nonperforming loans) at September 30, 2022 was 324.5%, compared to 305.9% at June 30, 2022 and 220.0% at September 30, 2021. Our credit loss reserve as a percentage of total loans outstanding at September 30, 2022 was 1.22% compared to 1.19% at June 30, 2022 and 1.21% at September 30, 2021. Nonaccrual loans and loans 90 days past due and still accruing segregated by class of loans for both September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 0 420 72 492 Commercial real estate nonresidential 0 3,133 509 3,642 Commercial other 0 214 208 422 Commercial unsecured SBA PPP 0 0 0 0 Total commercial loans 0 3,767 789 4,556 Real estate mortgage 0 3,945 4,038 7,983 Home equity lines 0 426 377 803 Total residential loans 0 4,371 4,415 8,786 Consumer direct 0 0 9 9 Consumer indirect 0 0 341 341 Total consumer loans 0 0 350 350 Loans and lease financing $ 0 $ 8,138 $ 5,554 $ 13,692 December 31, 2021 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 1,075 $ 0 $ 1,075 Commercial real estate residential 0 585 312 897 Commercial real estate nonresidential 2,447 1,602 144 4,193 Commercial other 0 302 76 378 Total commercial loans 2,447 3,564 532 6,543 Real estate mortgage 0 4,081 4,659 8,740 Home equity lines 0 579 513 1,092 Total residential loans 0 4,660 5,172 9,832 Consumer direct 0 0 44 44 Consumer indirect 0 0 206 206 Total consumer loans 0 0 250 250 Loans and lease financing $ 2,447 $ 8,224 $ 5,954 $ 16,625 Discussion of the Nonaccrual Policy The accrual of interest income on loans is discontinued when management believes, after considering economic and business conditions, collateral value, and collection efforts, that the borrower’s financial condition is such that the collection of interest is doubtful. Cash payments received on nonaccrual loans generally are applied against principal, and interest income is only recorded once principal recovery is reasonably assured. Any loans greater than 90 days past due must be well secured and in the process of collection to continue accruing interest. See Note 1 to the condensed consolidated financial statements for further discussion on our nonaccrual policy. The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2022 and December 31, 2021: September 30, 2022 (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 $ 0 $ 0 $ 335,253 $ 335,253 Commercial real estate residential 235 203 450 888 358,755 359,643 Commercial real estate nonresidential 1,461 1,136 3,180 5,777 750,361 756,138 Dealer floorplans 0 0 0 0 73,221 73,221 Commercial other 219 155 221 595 309,582 310,177 Commercial unsecured SBA PPP 73 1 0 74 1,884 1,958 Total commercial loans 1,988 1,495 3,851 7,334 1,829,056 1,836,390 Real estate mortgage 1,100 3,877 6,126 11,103 803,841 814,944 Home equity lines 529 72 541 1,142 114,258 115,400 Total residential loans 1,629 3,949 6,667 12,245 918,099 930,344 Consumer direct 407 90 9 506 160,360 160,866 Consumer indirect 2,852 581 341 3,774 699,242 703,016 Total consumer loans 3,259 671 350 4,280 859,602 863,882 Loans and lease financing $ 6,876 $ 6,115 $ 10,868 $ 23,859 $ 3,606,757 $ 3,630,616 December 31, 2021 (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 $ 0 $ 0 $ 257,062 $ 257,062 Commercial real estate residential 274 116 845 1,235 333,998 335,233 Commercial real estate nonresidential 1,303 147 3,509 4,959 752,934 757,893 Dealer floorplans 0 0 0 0 69,452 69,452 Commercial other 1,225 175 108 1,508 288,970 290,478 Commercial unsecured SBA PPP 14 34 0 48 47,287 47,335 Total commercial loans 2,816 472 4,462 7,750 1,749,703 1,757,453 Real estate mortgage 1,171 2,707 6,859 10,737 756,448 767,185 Home equity lines 656 315 903 1,874 104,793 106,667 Total residential loans 1,827 3,022 7,762 12,611 861,241 873,852 Consumer direct 396 179 44 619 156,064 156,683 Consumer indirect 2,889 533 206 3,628 617,197 620,825 Total consumer loans 3,285 712 250 4,247 773,261 777,508 Loans and lease financing $ 7,928 $ 4,206 $ 12,474 $ 24,608 $ 3,384,205 $ 3,408,813 The risk characteristics of CTBI’s material portfolio segments are as follows: Hotel/motel loans are a significant concentration for CTBI, representing approximately 9.2% 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. Dealer floorplans are segmented 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 guaranteed by the SBA. These loans, which are subject to forgiveness, have maturities of either two or three to five years, depending on when the loans were 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 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: September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (in s) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 112,819 $ 35,913 $ 17,878 $ 54,855 $ 18,332 $ 44,135 $ 0 $ 283,932 Watch 8,013 9,019 6,184 3,879 3,312 18,935 0 49,342 OAEM 0 0 0 0 0 1,979 0 1,979 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 120,832 44,932 24,062 58,734 21,644 65,049 0 335,253 Commercial real estate residential Risk rating: Pass 94,915 119,441 40,624 16,026 11,053 39,688 11,474 333,221 Watch 1,164 456 1,526 855 4,132 6,891 112 15,136 OAEM 0 0 0 40 0 14 28 82 Substandard 425 4,388 1,754 354 1,655 2,628 0 11,204 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 96,504 124,285 43,904 17,275 16,840 49,221 11,614 359,643 Commercial real estate nonresidential Risk rating: Pass 142,815 176,194 83,163 76,669 45,760 150,451 22,608 697,660 Watch 2,908 2,813 9,819 2,334 1,621 11,122 839 31,456 OAEM 0 0 0 0 0 96 19 115 Substandard 1,618 4,757 4,981 2,903 714 11,603 25 26,601 Doubtful 0 0 0 0 0 306 0 306 Total commercial real estate nonresidential 147,341 183,764 97,963 81,906 48,095 173,578 23,491 756,138 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 72,731 72,731 Watch 0 0 0 0 0 0 490 490 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 73,221 73,221 Commercial other Risk rating: Pass 71,441 62,568 36,470 9,792 2,673 24,792 75,652 283,388 Watch 1,376 519 673 280 261 1,057 6,602 10,768 OAEM 0 31 0 0 2 0 30 63 Substandard 6,911 5,599 931 945 164 621 787 15,958 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 79,728 68,717 38,074 11,017 3,100 26,470 83,071 310,177 Commercial unsecured SBA PPP Risk rating: Pass 0 1,958 0 0 0 0 0 1,958 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 0 1,958 0 0 0 0 0 1,958 Commercial loans Risk rating: Pass 421,990 396,074 178,135 157,342 77,818 259,066 182,465 1,672,890 Watch 13,461 12,807 18,202 7,348 9,326 38,005 8,043 107,192 OAEM 0 31 0 40 2 2,089 77 2,239 Substandard 8,954 14,744 7,666 4,202 2,533 14,852 812 53,763 Doubtful 0 0 0 0 0 306 0 306 Total commercial loans $ 444,405 $ 423,656 $ 204,003 $ 168,932 $ 89,679 $ 314,318 $ 191,397 $ 1,836,390 December 31, 2021 Term Loans Amortized Cost Basis by Origination Year (in s) 2021 2020 2019 2018 2017 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 42,056 $ 11,231 $ 53,713 $ 18,752 $ 32,765 $ 20,087 $ 0 $ 178,604 Watch 9,234 14,021 8,813 8,780 2,678 30,502 0 74,028 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 3,355 1,075 0 0 4,430 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 51,290 25,252 62,526 30,887 36,518 50,589 0 257,062 Commercial real estate residential Risk rating: Pass 142,364 54,380 22,320 19,826 11,919 45,791 9,544 306,144 Watch 2,643 2,359 1,962 2,119 554 6,949 156 16,742 OAEM 0 0 0 0 16 0 0 16 Substandard 4,822 1,990 620 1,835 596 2,468 0 12,331 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 149,829 58,729 24,902 23,780 13,085 55,208 9,700 335,233 Commercial real estate nonresidential Risk rating: Pass 214,563 99,131 82,386 57,397 55,422 168,533 22,389 699,821 Watch 5,130 2,865 3,981 2,802 3,655 11,828 767 31,028 OAEM 0 0 0 0 0 178 20 198 Substandard 5,201 5,098 3,764 600 2,016 9,659 200 26,538 Doubtful 0 0 0 0 0 308 0 308 Total commercial real estate nonresidential 224,894 107,094 90,131 60,799 61,093 190,506 23,376 757,893 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 69,105 69,105 Watch 0 0 0 0 0 0 347 347 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 69,452 69,452 Commercial other Risk rating: Pass 72,650 43,838 16,495 29,858 9,105 13,346 75,119 260,411 Watch 7,196 1,967 1,582 599 332 1,071 11,792 24,539 OAEM 0 0 268 383 12 1 482 1,146 Substandard 1,600 1,589 147 184 287 451 124 4,382 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 81,446 47,394 18,492 31,024 9,736 14,869 87,517 290,478 Commercial unsecured SBA PPP Risk rating: Pass 46,227 1,108 0 0 0 0 0 47,335 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 46,227 1,108 0 0 0 0 0 47,335 Commercial loans Risk rating: Pass 517,860 209,688 174,914 125,833 109,211 247,757 176,157 1,561,420 Watch 24,203 21,212 16,338 14,300 7,219 50,350 13,062 146,684 OAEM 0 0 268 383 28 179 502 1,360 Substandard 11,623 8,677 4,531 5,974 3,974 12,578 324 47,681 Doubtful 0 0 0 0 0 308 0 308 Total commercial loans $ 553,686 $ 239,577 $ 196,051 $ 146,490 $ 120,432 $ 311,172 $ 190,045 $ 1,757,453 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: September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 10,866 $ 103,731 $ 114,597 Nonperforming 0 0 0 0 0 471 332 803 Total home equity lines 0 0 0 0 0 11,337 104,063 115,400 Mortgage loans Performing 143,060 183,460 137,463 64,827 31,710 246,441 0 806,961 Nonperforming 0 167 77 478 291 6,970 0 7,983 Total mortgage loans 143,060 183,627 137,540 65,305 32,001 253,411 0 814,944 Residential loans Performing 143,060 183,460 137,463 64,827 31,710 257,307 103,731 921,558 Nonperforming 0 167 77 478 291 7,441 332 8,786 Total residential loans $ 143,060 $ 183,627 $ 137,540 $ 65,305 $ 32,001 $ 264,748 $ 104,063 $ 930,344 Consumer direct loans Performing $ 54,072 $ 47,750 $ 27,195 $ 12,335 $ 7,345 $ 12,160 $ 0 $ 160,857 Nonperforming 0 6 0 0 3 0 0 9 Total consumer direct loans 54,072 47,756 27,195 12,335 7,348 12,160 0 160,866 Consumer indirect loans Performing 289,378 185,678 130,552 52,575 31,669 12,823 0 702,675 Nonperforming 73 70 129 21 35 13 0 341 Total consumer indirect loans 289,451 185,748 130,681 52,596 31,704 12,836 0 703,016 Consumer loans Performing 343,450 233,428 157,747 64,910 39,014 24,983 0 863,532 Nonperforming 73 76 129 21 38 13 0 350 Total consumer loans $ 343,523 $ 233,504 $ 157,876 $ 64,931 $ 39,052 $ 24,996 $ 0 $ 863,882 December 31, 2021 Term Loans Amortized Cost Basis by Origination Year (in thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 10,909 $ 94,666 $ 105,575 Nonperforming 0 0 0 0 0 520 572 1,092 Total home equity lines 0 0 0 0 $ 0 11,429 95,238 106,667 Mortgage loans Performing 195,731 161,471 75,792 37,188 42,597 245,666 0 758,445 Nonperforming 0 63 424 364 558 7,331 0 8,740 Total mortgage loans 195,731 161,534 76,216 37,552 43,155 252,997 0 767,185 Residential loans Performing 195,731 161,471 75,792 $ 37,188 42,597 256,575 94,666 864,020 Nonperforming 0 63 424 364 558 7,851 572 9,832 Total residential loans $ 195,731 $ 161,534 $ 76,216 $ 37,552 $ 43,155 $ 264,426 $ 95,238 $ 873,852 Consumer direct loans Performing $ 71,626

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2022
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) 2022 2021 2022 2021 Beginning balance of other real estate owned $ 1,954 $ 5,848 $ 3,486 $ 7,694 New assets acquired 34 644 478 895 Capitalized costs 0 0 73 0 Fair value adjustments (6 ) (132 ) (275 ) (637 ) Sale of assets (118 ) (2,046 ) (1,898 ) (3,638 ) Ending balance of other real estate owned $ 1,864 $ 4,314 $ 1,864 $ 4,314 Carrying costs and fair value adjustments associated with foreclosed properties for the three months ended September 30, 2022 and 2021 were Carrying costs and fair value adjustments associated with foreclosed properties for the nine months ended September 30, 2022 and 2021 were and , respectively. The major classifications of foreclosed properties are shown in the following table: (in thousands) September 30 2022 December 31 2021 1-4 family $ 583 $ 1,130 Construction/land development/other 438 480 Multifamily 0 88 Non-farm/non-residential 843 1,788 Total foreclosed properties $ 1,864 $ 3,486

Repurchase Agreements

Repurchase Agreements	9 Months Ended
	Sep. 30, 2022
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 $263.9 million and $317.1 million at September 30, 2022 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, 2022 and December is presented in the following tables: September 30, 2022 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 6,645 $ 8,153 $ 55 $ 4,973 $ 19,826 State and political subdivisions 90,502 5,155 1,663 10,091 107,411 U.S. government sponsored agency mortgage-backed securities 23,121 17,692 637 61,436 102,886 Total $ 120,268 $ 31,000 $ 2,355 $ 76,500 $ 230,123 December 31, 2021 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 3,176 $ 16 $ 5,400 $ 10,040 $ 18,632 State and political subdivisions 83,375 484 13,633 9,427 106,919 U.S. government sponsored agency mortgage-backed securities 24,689 0 85,967 34,881 145,537 Total $ 111,240 $ 500 $ 105,000 $ 54,348 $ 271,088

Fair Value of Financial Assets

Fair Value of Financial Assets and Liabilities	9 Months Ended
	Sep. 30, 2022
Fair Value of Financial Assets and Liabilities [Abstract]
Fair Value of Financial Assets and Liabilities	Note 7 – Fair 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, 2022 and December 31, 2021 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at September 30, 2022 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 $ 401,772 $ 362,015 $ 39,757 $ 0 State and political subdivisions 258,076 0 258,076 0 U.S. government sponsored agency mortgage-backed securities 549,039 0 549,039 0 Asset-backed securities 89,705 0 89,705 0 Equity securities at fair value 1,969 0 0 1,969 Mortgage servicing rights 8,576 0 0 8,576 Fair Value Measurements at December 31, 2021 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 $ 295,770 $ 242,214 $ 53,556 $ 0 State and political subdivisions 334,203 0 334,203 0 U.S. government sponsored agency mortgage-backed securities 730,809 0 730,809 0 Asset-backed securities 94,647 0 94,647 0 Equity securities at fair value 2,253 0 0 2,253 Mortgage servicing rights 6,774 0 0 6,774 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, 2022 and December 31, 2021. There have been no significant changes in the valuation techniques during the quarter ended September 30, 2022. 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 AFS 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 asset-backed 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, 2022 and December 31, 2021, 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 utilizing assumptions about factors such as quarterly common stock dividend payments, the conversion of the securities to the relevant Class A Stock shares subject to the prevailing conversion rate, and conversion date. We have concluded the third party 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 equity securities Mortgage Servicing Rights Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. CTBI reports MSRs 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, MSRs are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements of MSRs 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 MSRs. 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: Three Months Ended September 30, 2022 Three Months Ended September 30, 2021 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 2,128 $ 8,220 $ 2,523 $ 5,899 Total unrealized gains (losses) Included in net income (159 ) 504 (62 ) 141 Issues 0 103 0 407 Settlements 0 (251 ) 0 (182 ) Ending balance $ 1,969 $ 8,576 $ 2,461 $ 6,265 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 $ (159 ) $ 504 $ (62 ) $ 141 Nine Months Ended September 30, 2022 Nine Months Ended September 30, 2021 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Mortgage Servicing Rights Beginning balance $ 2,253 $ 6,774 $ 2,471 $ 4,068 Total unrealized gains (losses) Included in net income (284 ) 1,955 (10 ) 1,042 Issues 0 555 0 1,817 Settlements 0 (708 ) 0 (662 ) Ending balance $ 1,969 $ 8,576 $ 2,461 $ 6,265 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 $ (284 ) $ 1,955 $ (10 ) $ 1,042 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 Nine Months Ended September 30 September 30 (in thousands) 2022 2021 2022 2021 Total gains (losses) $ 94 $ (103 ) $ 963 $ 370 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 September 30, 2022 and December 31, 2021 and indicate the level within the fair value hierarchy of Fair Value Measurements at September 30, 2022 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 $ 4,809 $ 0 $ 0 $ 4,809 Other real estate owned 597 0 0 597 Fair Value Measurements at December 31, 2021 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 $ 1,238 $ 0 $ 0 $ 1,238 Other real estate owned 1,487 0 0 1,487 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 $0.9 million, $0.4 million, and $0.1 million for the quarters ended September 30, 2022, December 31, 2021, and September 30, 2021, respectively. Year-to-date adjustments were $1.2 million, $0.7 million, and $0.8 million for the nine months ended September 30, 2022, the year ended December 31, 2021, and the nine months ended September 30, 2021, 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. 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, 2022 and December 31, 2021. Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at September 30, 2022 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 1,969 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2024 Dec 2028 ( Dec 2026 Mortgage servicing rights $ 8,576 Discount cash flows, computer pricing model Constant prepayment rate 7.0% - 24.9% (7.1%) Probability of default 0.0% - 100.0% (1.2%) Discount rate 9.5% - 11.7% (10.0%) Collateral dependent loans $ 4,809 Market comparable properties Marketability discount 33.0% - 46.0% (39.0%) Other real estate owned $ 597 Market comparable properties Comparability adjustments 0.0% - 10.0% (10.0%) Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2021 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 2,253 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2024 Dec 2028 ( Dec 2026 Mortgage servicing rights $ 6,774 Discount cash flows, computer pricing model Constant prepayment rate 7.0% - 26.7% (10.0%) Probability of default 0.0% - 75.0% (1.4%) Discount rate 10.0% - 11.5% (10.1%) Collateral-dependent loans $ 1,238 Market comparable properties Marketability discount 20.0% - 62.0% (41.0%) Other real estate owned $ 1,487 Market comparable properties Comparability adjustments 10.0% - 45.5% (15.1%) 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 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 value for equity securities is derived based on unobservable inputs, such as the discount rate, quarterly dividends payable to the Visa Class B common stock, and the prevailing conversion rate at the conversion date. The most recent conversion rate of 1.6059 and the most recent dividend rate of 0.6022 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 value for MSRs 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, 2022 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, 2022 were measured using an exit price notion. Fair Value Measurements at September 30, 2022 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 $ 259,629 $ 259,629 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,298,592 362,015 936,577 0 Equity securities at fair value 1,969 0 0 1,969 Loans held for sale 1,043 1,065 0 0 Loans, net 3,586,183 0 0 3,540,716 Federal Home Loan Bank stock 6,676 0 6,676 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 16,513 0 16,513 0 Financial liabilities: Deposits $ 4,535,068 $ 1,481,078 $ 3,064,938 $ 0 Repurchase agreements 230,123 0 0 230,238 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 360 0 381 0 Long-term debt 57,841 0 0 50,759 Accrued interest payable 2,501 0 2,501 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, 2021 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2021 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 $ 311,756 $ 311,756 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,455,429 242,214 1,213,215 0 Equity securities at fair value 2,253 0 0 2,253 Loans held for sale 2,632 2,693 0 0 Loans, net 3,367,057 0 0 3,480,803 Federal Home Loan Bank stock 8,139 0 8,139 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 15,415 0 15,415 0 Financial liabilities: Deposits $ 4,344,292 $ 1,331,103 $ 3,043,339 $ 0 Repurchase agreements 271,088 0 0 271,186 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 375 0 400 0 Long-term debt 57,841 0 0 45,854 Accrued interest payable 1,016 0 1,016 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, 2022
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/losses on the sale of OREO, gains/losses on the sale of property, plant and equipment, 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 under accounting guidance for revenue from contracts with customers during CTBI’s ordinary activities primarily relates to gains on sales of loans, MSRs, gains/losses on the sale of investment securities, 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, 2022
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) 2022 2021 2022 2021 Numerator: Net income $ 19,372 $ 21,142 $ 59,371 $ 68,691 Denominator: Basic earnings per share: Weighted average shares 17,841 17,790 17,832 17,783 Diluted earnings per share: Effect of dilutive stock options and restricted stock grants 16 18 12 15 Adjusted weighted average shares 17,857 17,808 17,844 17,798 Earnings per share: Basic earnings per share $ 1.09 $ 1.19 $ 3.33 $ 3.86 Diluted earnings per share 1.08 1.19 3.33 3.86 There were options to purchase common shares that were excluded from the diluted calculations above for the three and nine months ended September 30, 2022 and 2021. 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 (Loss)	9 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 10 – Accumulated Other Comprehensive Income (Loss) Unrealized gains (losses) on AFS securities Amounts reclassified from accumulated other comprehensive income (loss) (“AOCI”) and the affected line items in the statements of income during the three and nine months ended September 30, 2022 and 2021 were: Amounts Reclassified from AOCI (in thousands) Three Months Ended September 30 Nine Months Ended September 30 2022 2021 2022 2021 Affected line item in the statements of income Securities gains (losses) $ 0 $ 0 $ (1 ) $ 60 Tax expense (benefit) 0 0 0 16 Total reclassifications out of AOCI $ 0 $ 0 $ (1 ) $ 44

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2022
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation –
New Accounting Standards	New Accounting Standards ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting Reference Rate Reform (Topic 848)—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 (“GAAP”) 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. ➢ Troubled Debt Restructurings and Vintage Disclosures Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures he amendments in this ASU eliminate the accounting guidance for troubled debt restructurings (“TDRs”) by creditors in Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors Financial Instruments—Credit Losses—Measured at Amortized Cost ➢ Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement Topic 820: Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement We do not anticipate a significant impact to our consolidated financial statements.
Significant Accounting Policies	Significant Accounting Policies – 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 our 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 significant accounting policies:
Investments	➢ Investments – Debt Securities a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as HTM securities) shall be classified as available-for-sale (“AFS”) securities. We do not have any securities that are classified as trading securities. AFS 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. An allowance is recognized for credit losses relative to AFS securities rather than as a reduction in the cost basis of the security. Subsequent improvements in credit quality or reductions in estimated credit losses are 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. HTM securities are subject to an allowance 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 June 30, 2022 and December 31, 2021, 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 in 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 our 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 Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) included an election for banking institutions to not apply the guidance on accounting for TDRs 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. The ability to exclude COVID-19-related modifications as TDRs was extended under the Consolidated Appropriations Act 2021 to the earlier of (i) 60 days after the end of the COVID-19 national emergency and (ii) January 1, 2022. CTBI elected to adopt these provisions of the CARES Act, as extended by the Consolidated Appropriations Act 2021 . 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, 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 the amortized cost of the 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 1 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 meets one of the following criteria: (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 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 (five 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 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. Forecasting factors including unemployment rates and industry specific forecasts for industries in which our total exposure of capital or greater are also included as factors in the ACL model. Management continually reevaluates the other subjective factors included in our ACL analysi
Goodwill and Core Deposit Intangible	➢ – We evaluate total goodwill and core deposit intangible for impairment, based upon ASC 350, Intangibles-Goodwill and Other, using fair value techniques including multiples of price/equity. Goodwill and core deposit intangible are evaluated for impairment on an annual basis or as other events may warrant. The balance of goodwill, at $65.5 million, has not changed since January 1, 2015. Our core deposit intangible has been fully amortized since December 31, 2017.
Income Taxes	➢

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2022
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 $ 441,216 $ 272 $ (39,716 ) $ 401,772 State and political subdivisions 326,248 12 (68,184 ) 258,076 U.S. government sponsored agency mortgage-backed securities 626,731 2 (77,694 ) 549,039 Asset-backed securities 92,674 0 (2,969 ) 89,705 Total available-for-sale securities $ 1,486,869 $ 286 $ (188,563 ) $ 1,298,592 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 $ 299,606 $ 351 $ (4,187 ) $ 295,770 State and political subdivisions 334,218 5,524 (5,539 ) 334,203 U.S. government sponsored agency mortgage-backed securities 733,467 5,107 (7,765 ) 730,809 Asset-backed securities 94,538 301 (192 ) 94,647 Total available-for-sale securities $ 1,461,829 $ 11,283 $ (17,683 ) $ 1,455,429
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 $ 38,956 $ 38,386 Due after one through five years 238,514 219,227 Due after five through ten years 273,334 237,002 Due after ten years 216,660 165,233 U.S. government sponsored agency mortgage-backed securities 626,731 549,039 Asset-backed securities 92,674 89,705 Total debt securities $ 1,486,869 $ 1,298,592
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 of total debt securities with unrealized losses as of September compared to as of December The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of September September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 174,884 $ (9,685 ) $ 165,199 State and political subdivisions 138,322 (19,957 ) 118,365 U.S. government sponsored agency mortgage-backed securities 191,768 (11,796 ) 179,972 Asset-backed securities 47,343 (1,439 ) 45,904 Total <12 months temporarily impaired AFS securities 552,317 (42,877 ) 509,440 12 Months or More U.S. Treasury and government agencies 234,630 (30,031 ) 204,599 State and political subdivisions 184,173 (48,227 ) 135,946 U.S. government sponsored agency mortgage-backed securities 434,704 (65,898 ) 368,806 Asset-backed securities 45,331 (1,530 ) 43,801 Total ≥12 months temporarily impaired AFS securities 898,838 (145,686 ) 753,152 Total U.S. Treasury and government agencies 409,514 (39,716 ) 369,798 State and political subdivisions 322,495 (68,184 ) 254,311 U.S. government sponsored agency mortgage-backed securities 626,472 (77,694 ) 548,778 Asset-backed securities 92,674 (2,969 ) 89,705 Total temporarily impaired AFS securities $ 1,451,155 $ (188,563 ) $ 1,262,592 The analysis performed as of December indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following table provides the amortized cost, gross unrealized losses, and fair 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. As stated above, CTBI had no HTM securities as of December 31, 2021. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 249,990 $ (4,123 ) $ 245,867 State and political subdivisions 197,592 (4,779 ) 192,813 U.S. government sponsored agency mortgage-backed securities 473,831 (6,759 ) 467,072 Asset-backed securities 52,229 (190 ) 52,039 Total <12 months temporarily impaired AFS securities 973,642 (15,851 ) 957,791 12 Months or More U.S. Treasury and government agencies 14,505 (64 ) 14,441 State and political subdivisions 19,126 (760 ) 18,366 U.S. government sponsored agency mortgage-backed securities 62,330 (1,006 ) 61,324 Asset-backed securities 1,368 (2 ) 1,366 Total ≥12 months temporarily impaired AFS securities 97,329 (1,832 ) 95,497 Total U.S. Treasury and government agencies 264,495 (4,187 ) 260,308 State and political subdivisions 216,718 (5,539 ) 211,179 U.S. government sponsored agency mortgage-backed securities 536,161 (7,765 ) 528,396 Asset-backed securities 53,597 (192 ) 53,405 Total temporarily impaired AFS securities $ 1,070,971 $ (17,683 ) $ 1,053,288

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2022
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 2022 December 31 2021 Hotel/motel $ 335,253 $ 257,062 Commercial real estate residential 359,643 335,233 Commercial real estate nonresidential 756,138 757,893 Dealer floorplans 73,221 69,452 Commercial other 310,177 290,478 Commercial unsecured SBA PPP 1,958 47,335 Commercial loans 1,836,390 1,757,453 Real estate mortgage 814,944 767,185 Home equity lines 115,400 106,667 Residential loans 930,344 873,852 Consumer direct 160,866 156,683 Consumer indirect 703,016 620,825 Consumer loans 863,882 777,508 Loans and lease financing $ 3,630,616 $ 3,408,813
Balance in ACL	The following tables present the balance in the ACL for the periods ended September 30, 2021 Three Months Ended September 30, 2022 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,844 $ 39 $ 0 $ 0 $ 4,883 Commercial real estate residential 4,200 651 0 25 4,876 Commercial real estate nonresidential 8,968 617 0 10 9,595 Dealer floorplans 1,477 61 0 0 1,538 Commercial other 4,473 886 (307 ) 145 5,197 Real estate mortgage 8,179 (338 ) (11 ) 5 7,835 Home equity 887 41 0 12 940 Consumer direct 1,621 (71 ) (81 ) 205 1,674 Consumer indirect 7,695 528 (804 ) 476 7,895 Total $ 42,344 $ 2,414 $ (1,203 ) $ 878 $ 44,433 Nine Months Ended September 30, 2022 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,080 $ 19 $ (216 ) $ 0 $ 4,883 Commercial real estate residential 3,986 885 (31 ) 36 4,876 Commercial real estate nonresidential 8,884 568 0 143 9,595 Dealer floorplans 1,436 102 0 0 1,538 Commercial other 4,422 1,079 (651 ) 347 5,197 Real estate mortgage 7,637 345 (188 ) 41 7,835 Home equity 866 79 (24 ) 19 940 Consumer direct 1,951 (316 ) (426 ) 465 1,674 Consumer indirect 7,494 605 (1,815 ) 1,611 7,895 Total $ 41,756 $ 3,366 $ (3,351 ) $ 2,662 $ 44,433 Year Ended December 31, 2021 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 6,356 $ (1,276 ) $ 0 $ 0 $ 5,080 Commercial real estate residential 4,464 (488 ) (28 ) 38 3,986 Commercial real estate nonresidential 11,086 (2,233 ) (306 ) 337 8,884 Dealer floorplans 1,382 54 0 0 1,436 Commercial other 4,289 388 (644 ) 389 4,422 Real estate mortgage 7,832 3 (266 ) 68 7,637 Home equity 844 39 (36 ) 19 866 Consumer direct 1,863 256 (684 ) 516 1,951 Consumer indirect 9,906 (3,129 ) (2,361 ) 3,078 7,494 Total $ 48,022 $ (6,386 ) $ (4,325 ) $ 4,445 $ 41,756 Three Months Ended September 30, 2021 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,674 $ (467 ) $ 0 $ 0 $ 5,207 Commercial real estate residential 3,796 79 (4 ) 5 3,876 Commercial real estate nonresidential 9,308 (569 ) (117 ) 8 8,630 Dealer floorplans 1,261 (85 ) 0 0 1,176 Commercial other 4,574 320 (203 ) 52 4,743 Real estate mortgage 7,708 (269 ) (9 ) 8 7,438 Home equity 673 181 (14 ) 5 845 Consumer direct 1,635 290 (194 ) 110 1,841 Consumer indirect 7,066 357 (515 ) 551 7,459 Total $ 41,695 $ (163 ) $ (1,056 ) $ 739 $ 41,215 Nine Months Ended September 30, 2021 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 6,356 $ (1,149 ) $ 0 $ 0 $ 5,207 Commercial real estate residential 4,464 (567 ) (28 ) 7 3,876 Commercial real estate nonresidential 11,086 (2,502 ) (268 ) 314 8,630 Dealer floorplans 1,382 (206 ) 0 0 1,176 Commercial other 4,289 632 (433 ) 255 4,743 Real estate mortgage 7,832 (214 ) (203 ) 23 7,438 Home equity 844 20 (33 ) 14 845 Consumer direct 1,863 91 (502 ) 389 1,841 Consumer indirect 9,906 (3,024 ) (2,007 ) 2,584 7,459 Total $ 48,022 $ (6,919 ) $ (3,474 ) $ 3,586 $ 41,215
Nonaccrual Loans Segregated by Class of Loans	Nonaccrual loans and loans 90 days past due and still accruing segregated by class of loans for both September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 0 420 72 492 Commercial real estate nonresidential 0 3,133 509 3,642 Commercial other 0 214 208 422 Commercial unsecured SBA PPP 0 0 0 0 Total commercial loans 0 3,767 789 4,556 Real estate mortgage 0 3,945 4,038 7,983 Home equity lines 0 426 377 803 Total residential loans 0 4,371 4,415 8,786 Consumer direct 0 0 9 9 Consumer indirect 0 0 341 341 Total consumer loans 0 0 350 350 Loans and lease financing $ 0 $ 8,138 $ 5,554 $ 13,692 December 31, 2021 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 1,075 $ 0 $ 1,075 Commercial real estate residential 0 585 312 897 Commercial real estate nonresidential 2,447 1,602 144 4,193 Commercial other 0 302 76 378 Total commercial loans 2,447 3,564 532 6,543 Real estate mortgage 0 4,081 4,659 8,740 Home equity lines 0 579 513 1,092 Total residential loans 0 4,660 5,172 9,832 Consumer direct 0 0 44 44 Consumer indirect 0 0 206 206 Total consumer loans 0 0 250 250 Loans and lease financing $ 2,447 $ 8,224 $ 5,954 $ 16,625
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, 2022 and December 31, 2021: September 30, 2022 (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 $ 0 $ 0 $ 335,253 $ 335,253 Commercial real estate residential 235 203 450 888 358,755 359,643 Commercial real estate nonresidential 1,461 1,136 3,180 5,777 750,361 756,138 Dealer floorplans 0 0 0 0 73,221 73,221 Commercial other 219 155 221 595 309,582 310,177 Commercial unsecured SBA PPP 73 1 0 74 1,884 1,958 Total commercial loans 1,988 1,495 3,851 7,334 1,829,056 1,836,390 Real estate mortgage 1,100 3,877 6,126 11,103 803,841 814,944 Home equity lines 529 72 541 1,142 114,258 115,400 Total residential loans 1,629 3,949 6,667 12,245 918,099 930,344 Consumer direct 407 90 9 506 160,360 160,866 Consumer indirect 2,852 581 341 3,774 699,242 703,016 Total consumer loans 3,259 671 350 4,280 859,602 863,882 Loans and lease financing $ 6,876 $ 6,115 $ 10,868 $ 23,859 $ 3,606,757 $ 3,630,616 December 31, 2021 (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 $ 0 $ 0 $ 257,062 $ 257,062 Commercial real estate residential 274 116 845 1,235 333,998 335,233 Commercial real estate nonresidential 1,303 147 3,509 4,959 752,934 757,893 Dealer floorplans 0 0 0 0 69,452 69,452 Commercial other 1,225 175 108 1,508 288,970 290,478 Commercial unsecured SBA PPP 14 34 0 48 47,287 47,335 Total commercial loans 2,816 472 4,462 7,750 1,749,703 1,757,453 Real estate mortgage 1,171 2,707 6,859 10,737 756,448 767,185 Home equity lines 656 315 903 1,874 104,793 106,667 Total residential loans 1,827 3,022 7,762 12,611 861,241 873,852 Consumer direct 396 179 44 619 156,064 156,683 Consumer indirect 2,889 533 206 3,628 617,197 620,825 Total consumer loans 3,285 712 250 4,247 773,261 777,508 Loans and lease financing $ 7,928 $ 4,206 $ 12,474 $ 24,608 $ 3,384,205 $ 3,408,813
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: September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (in s) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 112,819 $ 35,913 $ 17,878 $ 54,855 $ 18,332 $ 44,135 $ 0 $ 283,932 Watch 8,013 9,019 6,184 3,879 3,312 18,935 0 49,342 OAEM 0 0 0 0 0 1,979 0 1,979 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 120,832 44,932 24,062 58,734 21,644 65,049 0 335,253 Commercial real estate residential Risk rating: Pass 94,915 119,441 40,624 16,026 11,053 39,688 11,474 333,221 Watch 1,164 456 1,526 855 4,132 6,891 112 15,136 OAEM 0 0 0 40 0 14 28 82 Substandard 425 4,388 1,754 354 1,655 2,628 0 11,204 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 96,504 124,285 43,904 17,275 16,840 49,221 11,614 359,643 Commercial real estate nonresidential Risk rating: Pass 142,815 176,194 83,163 76,669 45,760 150,451 22,608 697,660 Watch 2,908 2,813 9,819 2,334 1,621 11,122 839 31,456 OAEM 0 0 0 0 0 96 19 115 Substandard 1,618 4,757 4,981 2,903 714 11,603 25 26,601 Doubtful 0 0 0 0 0 306 0 306 Total commercial real estate nonresidential 147,341 183,764 97,963 81,906 48,095 173,578 23,491 756,138 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 72,731 72,731 Watch 0 0 0 0 0 0 490 490 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 73,221 73,221 Commercial other Risk rating: Pass 71,441 62,568 36,470 9,792 2,673 24,792 75,652 283,388 Watch 1,376 519 673 280 261 1,057 6,602 10,768 OAEM 0 31 0 0 2 0 30 63 Substandard 6,911 5,599 931 945 164 621 787 15,958 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 79,728 68,717 38,074 11,017 3,100 26,470 83,071 310,177 Commercial unsecured SBA PPP Risk rating: Pass 0 1,958 0 0 0 0 0 1,958 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 0 1,958 0 0 0 0 0 1,958 Commercial loans Risk rating: Pass 421,990 396,074 178,135 157,342 77,818 259,066 182,465 1,672,890 Watch 13,461 12,807 18,202 7,348 9,326 38,005 8,043 107,192 OAEM 0 31 0 40 2 2,089 77 2,239 Substandard 8,954 14,744 7,666 4,202 2,533 14,852 812 53,763 Doubtful 0 0 0 0 0 306 0 306 Total commercial loans $ 444,405 $ 423,656 $ 204,003 $ 168,932 $ 89,679 $ 314,318 $ 191,397 $ 1,836,390 December 31, 2021 Term Loans Amortized Cost Basis by Origination Year (in s) 2021 2020 2019 2018 2017 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 42,056 $ 11,231 $ 53,713 $ 18,752 $ 32,765 $ 20,087 $ 0 $ 178,604 Watch 9,234 14,021 8,813 8,780 2,678 30,502 0 74,028 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 3,355 1,075 0 0 4,430 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 51,290 25,252 62,526 30,887 36,518 50,589 0 257,062 Commercial real estate residential Risk rating: Pass 142,364 54,380 22,320 19,826 11,919 45,791 9,544 306,144 Watch 2,643 2,359 1,962 2,119 554 6,949 156 16,742 OAEM 0 0 0 0 16 0 0 16 Substandard 4,822 1,990 620 1,835 596 2,468 0 12,331 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 149,829 58,729 24,902 23,780 13,085 55,208 9,700 335,233 Commercial real estate nonresidential Risk rating: Pass 214,563 99,131 82,386 57,397 55,422 168,533 22,389 699,821 Watch 5,130 2,865 3,981 2,802 3,655 11,828 767 31,028 OAEM 0 0 0 0 0 178 20 198 Substandard 5,201 5,098 3,764 600 2,016 9,659 200 26,538 Doubtful 0 0 0 0 0 308 0 308 Total commercial real estate nonresidential 224,894 107,094 90,131 60,799 61,093 190,506 23,376 757,893 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 69,105 69,105 Watch 0 0 0 0 0 0 347 347 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 69,452 69,452 Commercial other Risk rating: Pass 72,650 43,838 16,495 29,858 9,105 13,346 75,119 260,411 Watch 7,196 1,967 1,582 599 332 1,071 11,792 24,539 OAEM 0 0 268 383 12 1 482 1,146 Substandard 1,600 1,589 147 184 287 451 124 4,382 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 81,446 47,394 18,492 31,024 9,736 14,869 87,517 290,478 Commercial unsecured SBA PPP Risk rating: Pass 46,227 1,108 0 0 0 0 0 47,335 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 46,227 1,108 0 0 0 0 0 47,335 Commercial loans Risk rating: Pass 517,860 209,688 174,914 125,833 109,211 247,757 176,157 1,561,420 Watch 24,203 21,212 16,338 14,300 7,219 50,350 13,062 146,684 OAEM 0 0 268 383 28 179 502 1,360 Substandard 11,623 8,677 4,531 5,974 3,974 12,578 324 47,681 Doubtful 0 0 0 0 0 308 0 308 Total commercial loans $ 553,686 $ 239,577 $ 196,051 $ 146,490 $ 120,432 $ 311,172 $ 190,045 $ 1,757,453
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: September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 10,866 $ 103,731 $ 114,597 Nonperforming 0 0 0 0 0 471 332 803 Total home equity lines 0 0 0 0 0 11,337 104,063 115,400 Mortgage loans Performing 143,060 183,460 137,463 64,827 31,710 246,441 0 806,961 Nonperforming 0 167 77 478 291 6,970 0 7,983 Total mortgage loans 143,060 183,627 137,540 65,305 32,001 253,411 0 814,944 Residential loans Performing 143,060 183,460 137,463 64,827 31,710 257,307 103,731 921,558 Nonperforming 0 167 77 478 291 7,441 332 8,786 Total residential loans $ 143,060 $ 183,627 $ 137,540 $ 65,305 $ 32,001 $ 264,748 $ 104,063 $ 930,344 Consumer direct loans Performing $ 54,072 $ 47,750 $ 27,195 $ 12,335 $ 7,345 $ 12,160 $ 0 $ 160,857 Nonperforming 0 6 0 0 3 0 0 9 Total consumer direct loans 54,072 47,756 27,195 12,335 7,348 12,160 0 160,866 Consumer indirect loans Performing 289,378 185,678 130,552 52,575 31,669 12,823 0 702,675 Nonperforming 73 70 129 21 35 13 0 341 Total consumer indirect loans 289,451 185,748 130,681 52,596 31,704 12,836 0 703,016 Consumer loans Performing 343,450 233,428 157,747 64,910 39,014 24,983 0 863,532 Nonperforming 73 76 129 21 38 13 0 350 Total consumer loans $ 343,523 $ 233,504 $ 157,876 $ 64,931 $ 39,052 $ 24,996 $ 0 $ 863,882 December 31, 2021 Term Loans Amortized Cost Basis by Origination Year (in thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 10,909 $ 94,666 $ 105,575 Nonperforming 0 0 0 0 0 520 572 1,092 Total home equity lines 0 0 0 0 $ 0 11,429 95,238 106,667 Mortgage loans Performing 195,731 161,471 75,792 37,188 42,597 245,666 0 758,445 Nonperforming 0 63 424 364 558 7,331 0 8,740 Total mortgage loans 195,731 161,534 76,216 37,552 43,155 252,997 0 767,185 Residential loans Performing 195,731 161,471 75,792 $ 37,188 42,597 256,575 94,666 864,020 Nonperforming 0 63 424 364 558 7,851 572 9,832 Total residential loans $ 195,731 $ 161,534 $ 76,216 $ 37,552 $ 43,155 $ 264,426 $ 95,238 $ 873,852 Consumer direct loans Performing $ 71,626 $ 39,312 $ 18,492 $ 10,468 $ 4,490 $ 12,251 $ 0 $ 156,639 Nonperforming 0 4 3 34 3 0 0 44 Total consumer direct loans 71,626 39,316 18,495 10,502 4,493 12,251 0 156,683 Consumer indirect loans Performing 263,127 190,145 80,793 54,437 23,449 8,668 0 620,619 Nonperforming 24 135 20 0 23 4 0 206 Total consumer indirect loans 263,151 190,280 80,813 54,437 23,472 8,672 0 620,825 Consumer loans Performing 334,753 229,457 99,285 64,905 27,939 20,919 0 777,258 Nonperforming 24 139 23 34 26 4 0 250 Total consumer loans $ 334,777 $ 229,596 $ 99,308 $ 64,939 $ 27,965 $ 20,923 $ 0 $ 777,508
Collateral Dependent Loans and Impaired 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, 2022 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 1 $ 1,181 $ 0 Commercial real estate residential 3 5,820 0 Commercial real estate nonresidential 9 16,720 350 Commercial other 2 9,185 1,000 Total collateral dependent loans 15 $ 32,906 $ 1,350 December 31, 2021 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 2 $ 9,462 $ 600 Commercial real estate residential 4 7,255 0 Commercial real estate nonresidential 11 19,943 200 Commercial other 1 1,113 350 Total collateral dependent loans 18 $ 37,773 $ 1,150 September 30, 2021 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 2 $ 9,522 $ 600 Commercial real estate residential 4 7,363 0 Commercial real estate nonresidential 12 21,920 200 Commercial other 1 1,165 400 Total collateral dependent loans 19 $ 39,970 $ 1,200
Troubled Debt Restructuring	Certain loans have been modified in TDRs, where economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. Presented below, segregated by class of loans, are TDRs that occurred during the three and nine months ended September 30, 2022 and 2021 and the year ended December 31, 2021: Three Months Ended September 30, 2022 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 2 $ 318 $ 0 $ 318 Commercial real estate nonresidential 1 190 0 190 Commercial other 1 5,222 0 5,222 Total commercial loans 4 5,730 0 5,730 Real estate mortgage 2 288 393 681 Total residential loans 2 288 393 681 Total troubled debt restructurings 6 $ 6,018 $ 393 $ 6,411 Three Months Ended September 30, 2022 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 2 $ 318 $ 0 $ 318 Commercial real estate nonresidential 1 189 0 189 Commercial other 1 5,222 0 5,222 Total commercial loans 4 5,729 0 5,729 Real estate mortgage 2 288 393 681 Total residential loans 2 288 393 681 Total troubled debt restructurings 6 $ 6,017 $ 393 $ 6,410 Nine Months Ended September 30, 2022 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 4 $ 472 $ 0 $ 472 Commercial real estate nonresidential 3 435 0 435 Commercial other 10 11,748 0 11,748 Total commercial loans 17 12,655 0 12,655 Real estate mortgage 5 593 1,309 1,902 Total residential loans 5 593 1,309 1,902 Total troubled debt restructurings 22 $ 13,248 $ 1,309 $ 14,557 Nine Months Ended September 30, 2022 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 4 $ 472 $ 0 $ 472 Commercial real estate nonresidential 3 433 0 433 Commercial other 10 11,747 0 11,747 Total commercial loans 17 12,652 0 12,652 Real estate mortgage 5 593 1,309 1,902 Total residential loans 5 593 1,309 1,902 Total troubled debt restructurings 22 $ 13,245 $ 1,309 $ 14,554 Year Ended December 31, 2021 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Other Total Modification Commercial real estate residential 6 $ 388 $ 0 $ 0 $ 388 Commercial real estate nonresidential 9 4,179 2,988 0 7,167 Commercial other 5 417 0 0 417 Total commercial loans 20 4,984 2,988 0 7,972 Real estate mortgage 3 278 277 262 817 Total residential loans 3 278 277 262 817 Total troubled debt restructurings 23 $ 5,262 $ 3,265 $ 262 $ 8,789 Year Ended December 31, 2021 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Other Total Modification Commercial real estate residential 6 $ 424 $ 0 $ 0 $ 424 Commercial real estate nonresidential 9 4,282 3,000 0 7,282 Commercial other 5 340 0 0 340 Total commercial loans 20 5,046 3,000 0 8,046 Real estate mortgage 3 279 277 262 818 Total residential loans 3 279 277 262 818 Total troubled debt restructurings 23 $ 5,325 $ 3,277 $ 262 $ 8,864 Three Months Ended September 30, 2021 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 2 $ 255 $ 0 $ 255 Commercial real estate nonresidential 4 2,098 2,568 4,666 Commercial other 1 95 0 95 Total commercial loans 7 2,448 2,568 5,016 Total troubled debt restructurings 7 $ 2,448 $ 2,568 $ 5,016 Three Months Ended September 30, 2021 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 2 $ 254 $ 0 $ 254 Commercial real estate nonresidential 4 2,196 2,562 4,758 Commercial other 1 101 0 101 Total commercial loans 7 2,551 2,562 5,113 Total troubled debt restructurings 7 $ 2,551 $ 2,562 $ 5,113 Nine Months Ended September 30, 2021 Pre-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 2 $ 255 $ 0 $ 255 Commercial real estate nonresidential 9 4,179 2,988 7,167 Commercial other 3 393 0 393 Total commercial loans 14 4,827 2,988 7,815 Total troubled debt restructurings 14 $ 4,827 $ 2,988 $ 7,815 Nine Months Ended September 30, 2021 Post-Modification Outstanding Balance (in s) Number of Loans Term Modification Combination Total Modification Commercial real estate residential 2 $ 254 $ 0 $ 254 Commercial real estate nonresidential 9 4,282 3,000 7,282 Commercial other 3 317 0 317 Total commercial loans 14 4,853 3,000 7,853 Total troubled debt restructurings 14 $ 4,853 $ 3,000 $ 7,853
Defaulted Restructured Loans	L oans 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 TDR are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a TDR 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 TDRs within the past 12 months which have subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual. There were no defaulted restructured loans for the three and nine months ended September 30, 2022. Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 (in thousands) Number of Loans Recorded Balance Number of Loans Recorded Balance Commercial: Hotel/motel 0 $ 0 1 $ 1,113 Residential: Real estate mortgage 0 0 1 275 Total defaulted restructured loans 0 $ 0 2 $ 1,388

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2022
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) 2022 2021 2022 2021 Beginning balance of other real estate owned $ 1,954 $ 5,848 $ 3,486 $ 7,694 New assets acquired 34 644 478 895 Capitalized costs 0 0 73 0 Fair value adjustments (6 ) (132 ) (275 ) (637 ) Sale of assets (118 ) (2,046 ) (1,898 ) (3,638 ) Ending balance of other real estate owned $ 1,864 $ 4,314 $ 1,864 $ 4,314
Major Classifications of Foreclosed Properties	The major classifications of foreclosed properties are shown in the following table: (in thousands) September 30 2022 December 31 2021 1-4 family $ 583 $ 1,130 Construction/land development/other 438 480 Multifamily 0 88 Non-farm/non-residential 843 1,788 Total foreclosed properties $ 1,864 $ 3,486

Repurchase Agreements (Tables)

Repurchase Agreements (Tables)	9 Months Ended
	Sep. 30, 2022
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, 2022 and December is presented in the following tables: September 30, 2022 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 6,645 $ 8,153 $ 55 $ 4,973 $ 19,826 State and political subdivisions 90,502 5,155 1,663 10,091 107,411 U.S. government sponsored agency mortgage-backed securities 23,121 17,692 637 61,436 102,886 Total $ 120,268 $ 31,000 $ 2,355 $ 76,500 $ 230,123 December 31, 2021 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 3,176 $ 16 $ 5,400 $ 10,040 $ 18,632 State and political subdivisions 83,375 484 13,633 9,427 106,919 U.S. government sponsored agency mortgage-backed securities 24,689 0 85,967 34,881 145,537 Total $ 111,240 $ 500 $ 105,000 $ 54,348 $ 271,088

Fair Value of Financial Asset_2

Fair Value of Financial Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2022
Fair Value of Financial Assets and Liabilities [Abstract]
Fair Value Measurements of 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, 2022 and December 31, 2021 and indicate the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at September 30, 2022 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 $ 401,772 $ 362,015 $ 39,757 $ 0 State and political subdivisions 258,076 0 258,076 0 U.S. government sponsored agency mortgage-backed securities 549,039 0 549,039 0 Asset-backed securities 89,705 0 89,705 0 Equity securities at fair value 1,969 0 0 1,969 Mortgage servicing rights 8,576 0 0 8,576 Fair Value Measurements at December 31, 2021 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 $ 295,770 $ 242,214 $ 53,556 $ 0 State and political subdivisions 334,203 0 334,203 0 U.S. government sponsored agency mortgage-backed securities 730,809 0 730,809 0 Asset-backed securities 94,647 0 94,647 0 Equity securities at fair value 2,253 0 0 2,253 Mortgage servicing rights 6,774 0 0 6,774
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: Three Months Ended September 30, 2022 Three Months Ended September 30, 2021 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 2,128 $ 8,220 $ 2,523 $ 5,899 Total unrealized gains (losses) Included in net income (159 ) 504 (62 ) 141 Issues 0 103 0 407 Settlements 0 (251 ) 0 (182 ) Ending balance $ 1,969 $ 8,576 $ 2,461 $ 6,265 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 $ (159 ) $ 504 $ (62 ) $ 141 Nine Months Ended September 30, 2022 Nine Months Ended September 30, 2021 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Mortgage Servicing Rights Beginning balance $ 2,253 $ 6,774 $ 2,471 $ 4,068 Total unrealized gains (losses) Included in net income (284 ) 1,955 (10 ) 1,042 Issues 0 555 0 1,817 Settlements 0 (708 ) 0 (662 ) Ending balance $ 1,969 $ 8,576 $ 2,461 $ 6,265 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 $ (284 ) $ 1,955 $ (10 ) $ 1,042
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 Nine Months Ended September 30 September 30 (in thousands) 2022 2021 2022 2021 Total gains (losses) $ 94 $ (103 ) $ 963 $ 370
Fair Value Measurements of 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 September 30, 2022 and December 31, 2021 and indicate the level within the fair value hierarchy of Fair Value Measurements at September 30, 2022 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 $ 4,809 $ 0 $ 0 $ 4,809 Other real estate owned 597 0 0 597 Fair Value Measurements at December 31, 2021 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 $ 1,238 $ 0 $ 0 $ 1,238 Other real estate owned 1,487 0 0 1,487
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, 2022 and December 31, 2021. Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at September 30, 2022 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 1,969 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2024 Dec 2028 ( Dec 2026 Mortgage servicing rights $ 8,576 Discount cash flows, computer pricing model Constant prepayment rate 7.0% - 24.9% (7.1%) Probability of default 0.0% - 100.0% (1.2%) Discount rate 9.5% - 11.7% (10.0%) Collateral dependent loans $ 4,809 Market comparable properties Marketability discount 33.0% - 46.0% (39.0%) Other real estate owned $ 597 Market comparable properties Comparability adjustments 0.0% - 10.0% (10.0%) Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2021 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 2,253 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2024 Dec 2028 ( Dec 2026 Mortgage servicing rights $ 6,774 Discount cash flows, computer pricing model Constant prepayment rate 7.0% - 26.7% (10.0%) Probability of default 0.0% - 75.0% (1.4%) Discount rate 10.0% - 11.5% (10.1%) Collateral-dependent loans $ 1,238 Market comparable properties Marketability discount 20.0% - 62.0% (41.0%) Other real estate owned $ 1,487 Market comparable properties Comparability adjustments 10.0% - 45.5% (15.1%)
Fair Value of Financial Instruments and Levels within Fair Value Hierarchy of Valuation Techniques	The following table presents estimated fair value of CTBI’s financial instruments as of September 30, 2022 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, 2022 were measured using an exit price notion. Fair Value Measurements at September 30, 2022 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 $ 259,629 $ 259,629 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,298,592 362,015 936,577 0 Equity securities at fair value 1,969 0 0 1,969 Loans held for sale 1,043 1,065 0 0 Loans, net 3,586,183 0 0 3,540,716 Federal Home Loan Bank stock 6,676 0 6,676 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 16,513 0 16,513 0 Financial liabilities: Deposits $ 4,535,068 $ 1,481,078 $ 3,064,938 $ 0 Repurchase agreements 230,123 0 0 230,238 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 360 0 381 0 Long-term debt 57,841 0 0 50,759 Accrued interest payable 2,501 0 2,501 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, 2021 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2021 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 $ 311,756 $ 311,756 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,455,429 242,214 1,213,215 0 Equity securities at fair value 2,253 0 0 2,253 Loans held for sale 2,632 2,693 0 0 Loans, net 3,367,057 0 0 3,480,803 Federal Home Loan Bank stock 8,139 0 8,139 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 15,415 0 15,415 0 Financial liabilities: Deposits $ 4,344,292 $ 1,331,103 $ 3,043,339 $ 0 Repurchase agreements 271,088 0 0 271,186 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 375 0 400 0 Long-term debt 57,841 0 0 45,854 Accrued interest payable 1,016 0 1,016 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, 2022
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) 2022 2021 2022 2021 Numerator: Net income $ 19,372 $ 21,142 $ 59,371 $ 68,691 Denominator: Basic earnings per share: Weighted average shares 17,841 17,790 17,832 17,783 Diluted earnings per share: Effect of dilutive stock options and restricted stock grants 16 18 12 15 Adjusted weighted average shares 17,857 17,808 17,844 17,798 Earnings per share: Basic earnings per share $ 1.09 $ 1.19 $ 3.33 $ 3.86 Diluted earnings per share 1.08 1.19 3.33 3.86

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI)	Amounts reclassified from accumulated other comprehensive income (loss) (“AOCI”) and the affected line items in the statements of income during the three and nine months ended September 30, 2022 and 2021 were: Amounts Reclassified from AOCI (in thousands) Three Months Ended September 30 Nine Months Ended September 30 2022 2021 2022 2021 Affected line item in the statements of income Securities gains (losses) $ 0 $ 0 $ (1 ) $ 60 Tax expense (benefit) 0 0 0 16 Total reclassifications out of AOCI $ 0 $ 0 $ (1 ) $ 44

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) Payment	Dec. 31, 2021 USD ($)
Investments [Abstract]
Securities held-to-maturity	$ 0	$ 0
Loans [Abstract]
Impact of difference in amortized cost basis versus consideration of loan balances on allowance for credit losses	0.01%
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 Credit 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
Goodwill and Core Deposit Intangible [Abstract]
Goodwill	$ 65,490	$ 65,490
Minimum [Member]
Allowance for Credit Losses [Abstract]
Percentage exposure of capital	5%
Commercial [Member]
Allowance for Credit Losses [Abstract]
Threshold period past due for individual evaluations	90 days
Commercial [Member] | 90+ Days Past Due [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	$ 1,000
Commercial [Member] | Nonaccrual Status [Member] | Minimum [Member]
Allowance for Credit 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 Credit 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 Credit 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 Credit Losses [Abstract]
Charge off threshold for loans considered uncollectible	90 days
Consumer [Member] | Closed-End Consumer Loan [Member]
Allowance for Credit Losses [Abstract]
Charge off threshold for loans considered uncollectible	120 days

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		9 Months Ended
	Apr. 30, 2022	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Stock-based Compensation [Abstract]
Stock based compensation expense				$ 1,008	$ 636
Restricted Stock [Member]
Stock-based Compensation [Abstract]
Stock based compensation expense		$ 300	$ 200	1,000	600
Dividend paid on stock based compensation		27	$ 19	73	$ 55
Unrecognized compensation expense related to restricted stock grants		$ 2,000		$ 2,000
Unrecognized compensation expense, weighted average period				2 years 10 months 24 days
Granted (in shares)		0	0	40,438	9,193
Management Retention Restricted Stock [Member]
Stock-based Compensation [Abstract]
Granted (in shares)	5,000
Award vesting period				5 years
Stock Options [Member]
Stock-based Compensation [Abstract]
Stock based compensation expense		$ 0	$ 0	$ 0	$ 0
Unrecognized compensation expense related to unvested stock option awards		$ 0		$ 0
Options granted to purchase shares of CTBI common stock (in shares)				0	0
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, Held-to-maturity Se

Securities, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Held-to-maturity [Abstract]
Securities held-to-maturity	$ 0	$ 0

Securities, Available-for-sale

Securities, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Available-for-sale [Abstract]
Amortized cost	$ 1,486,869	$ 1,461,829
Gross unrealized gains	286	11,283
Gross unrealized losses	(188,563)	(17,683)
Fair value	1,298,592	1,455,429
U.S. Treasury and Government Agencies [Member]
Available-for-sale [Abstract]
Amortized cost	441,216	299,606
Gross unrealized gains	272	351
Gross unrealized losses	(39,716)	(4,187)
Fair value	401,772	295,770
State and Political Subdivisions [Member]
Available-for-sale [Abstract]
Amortized cost	326,248	334,218
Gross unrealized gains	12	5,524
Gross unrealized losses	(68,184)	(5,539)
Fair value	258,076	334,203
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	626,731	733,467
Gross unrealized gains	2	5,107
Gross unrealized losses	(77,694)	(7,765)
Fair value	549,039	730,809
Asset-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	92,674	94,538
Gross unrealized gains	0	301
Gross unrealized losses	(2,969)	(192)
Fair value	$ 89,705	$ 94,647

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Available-for-sale, amortized cost [Abstract]
Due in one year or less	$ 38,956
Due after one through five years	238,514
Due after five through ten years	273,334
Due after ten years	216,660
Amortized cost	1,486,869	$ 1,461,829
Available for sale, fair value [Abstract]
Due in one year or less	38,386
Due after one through five years	219,227
Due after five through ten years	237,002
Due after ten years	165,233
Fair value	1,298,592	1,455,429
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Without single maturity date	626,731
Amortized cost	626,731	733,467
Available for sale, fair value [Abstract]
Without single maturity date	549,039
Fair value	549,039	730,809
Asset-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Without single maturity date	92,674
Amortized cost	92,674	94,538
Available for sale, fair value [Abstract]
Without single maturity date	89,705
Fair value	$ 89,705	$ 94,647

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, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) Security	Sep. 30, 2021 USD ($) Security	Dec. 31, 2021 USD ($)
Gains (Loss) on Sales of Securities [Abstract]
Net securities gain (loss)	$ (159)	$ (62)	$ (285)	$ 50
Realized pre-tax loss on sales and calls of AFS securities			1	2
Realized pre-tax gain on sales and calls of AFS securities				62
Unrealized (loss) gain from fair value adjustment of equity securities	(159)	(62)	(284)	$ (10)
Equity Securities at Fair Value [Abstract]
Equity securities at fair value	1,969		1,969		$ 2,253
Amortized cost of securities sold under agreements to repurchase	306,600		306,600		314,100
Asset Pledged as Collateral [Member] | Public Deposits and for Other Purposes [Member]
Equity Securities at Fair Value [Abstract]
Securities	584,800		584,800		$ 545,600
Visa Class B Restricted Stock [Member]
Equity Securities at Fair Value [Abstract]
Equity securities at fair value	2,000		$ 2,000
Increase (decrease) in fair value of equity securities	$ (159)	$ (62)
Number of equity securities sold (in shares) | Security			0	0

Securities, Securities in Conti

Securities, Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities [Abstract]
Percentage of total investment with unrealized losses	97.20%	72.40%
Available-for-sale, amortized cost [Abstract]
Less than 12 months	$ 552,317	$ 973,642
12 months or more	898,838	97,329
Total	1,451,155	1,070,971
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(42,877)	(15,851)
12 months or more	(145,686)	(1,832)
Total	(188,563)	(17,683)
Available-for-sale, fair value [Abstract]
Less than 12 months	509,440	957,791
12 months or more	753,152	95,497
Total	1,262,592	1,053,288
U.S. Treasury and Government Agencies [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	174,884	249,990
12 months or more	234,630	14,505
Total	409,514	264,495
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(9,685)	(4,123)
12 months or more	(30,031)	(64)
Total	(39,716)	(4,187)
Available-for-sale, fair value [Abstract]
Less than 12 months	165,199	245,867
12 months or more	204,599	14,441
Total	369,798	260,308
State and Political Subdivisions [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	138,322	197,592
12 months or more	184,173	19,126
Total	322,495	216,718
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(19,957)	(4,779)
12 months or more	(48,227)	(760)
Total	(68,184)	(5,539)
Available-for-sale, fair value [Abstract]
Less than 12 months	118,365	192,813
12 months or more	135,946	18,366
Total	254,311	211,179
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	191,768	473,831
12 months or more	434,704	62,330
Total	626,472	536,161
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(11,796)	(6,759)
12 months or more	(65,898)	(1,006)
Total	(77,694)	(7,765)
Available-for-sale, fair value [Abstract]
Less than 12 months	179,972	467,072
12 months or more	368,806	61,324
Total	548,778	528,396
Asset-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	47,343	52,229
12 months or more	45,331	1,368
Total	92,674	53,597
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(1,439)	(190)
12 months or more	(1,530)	(2)
Total	(2,969)	(192)
Available-for-sale, fair value [Abstract]
Less than 12 months	45,904	52,039
12 months or more	43,801	1,366
Total	$ 89,705	$ 53,405

Loans, Major Classifications of

Loans, Major Classifications of Loans, Net of Income and Deferred Loan Origination Cost (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2022 USD ($) Segment	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	$ 3,630,616	$ 3,630,616	$ 3,408,813
Unearned fees	$ 900	900	4,000
Number of portfolio segments | Segment	10
Loans held for sale [Abstract]
Loans held for sale	$ 1,043	1,043	2,632
Commercial [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	1,836,390	1,836,390	1,757,453
Commercial [Member] | Hotel/Motel [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	$ 335,253	$ 335,253	257,062
Percentage of total loan	9.20%	9.20%
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]
Loans and lease financing	$ 359,643	$ 359,643	335,233
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]
Loans and lease financing	756,138	756,138	757,893
Commercial [Member] | Dealer Floorplans [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	73,221	73,221	69,452
Commercial [Member] | Commercial Other [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	310,177	310,177	290,478
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]
Loans and lease financing	1,958	1,958	47,335
Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	930,344	930,344	873,852
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]
Loans and lease financing	814,944	814,944	767,185
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]
Loans and lease financing	115,400	115,400	106,667
Consumer [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	863,882	863,882	777,508
Consumer [Member] | Consumer Direct [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	160,866	160,866	156,683
Consumer [Member] | Consumer Indirect [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	703,016	703,016	620,825
Unamortized premiums	$ 27,300	$ 27,300	$ 24,100

Loans, Balance in ACL (Details)

Loans, Balance in ACL (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Balance in ACL [Roll Forward]
Beginning balance	$ 42,344	$ 41,756	$ 41,695	$ 41,756	$ 48,022	$ 48,022
Provision charged to expense	2,414	100	(163)	3,366	(6,919)	(6,386)
Losses charged off	(1,203)		(1,056)	(3,351)	(3,474)	(4,325)
Recoveries	878		739	2,662	3,586	4,445
Ending balance	44,433		41,215	44,433	41,215	41,756
Commercial [Member] | Hotel/Motel [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,844	5,080	5,674	5,080	6,356	6,356
Provision charged to expense	39		(467)	19	(1,149)	(1,276)
Losses charged off	0		0	(216)	0	0
Recoveries	0		0	0	0	0
Ending balance	4,883		5,207	4,883	5,207	5,080
Commercial [Member] | Commercial Real Estate Residential [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,200	3,986	3,796	3,986	4,464	4,464
Provision charged to expense	651		79	885	(567)	(488)
Losses charged off	0		(4)	(31)	(28)	(28)
Recoveries	25		5	36	7	38
Ending balance	4,876		3,876	4,876	3,876	3,986
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Balance in ACL [Roll Forward]
Beginning balance	8,968	8,884	9,308	8,884	11,086	11,086
Provision charged to expense	617		(569)	568	(2,502)	(2,233)
Losses charged off	0		(117)	0	(268)	(306)
Recoveries	10		8	143	314	337
Ending balance	9,595		8,630	9,595	8,630	8,884
Commercial [Member] | Dealer Floorplans [Member]
Balance in ACL [Roll Forward]
Beginning balance	1,477	1,436	1,261	1,436	1,382	1,382
Provision charged to expense	61		(85)	102	(206)	54
Losses charged off	0		0	0	0	0
Recoveries	0		0	0	0	0
Ending balance	1,538		1,176	1,538	1,176	1,436
Commercial [Member] | Commercial Other [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,473	4,422	4,574	4,422	4,289	4,289
Provision charged to expense	886		320	1,079	632	388
Losses charged off	(307)		(203)	(651)	(433)	(644)
Recoveries	145		52	347	255	389
Ending balance	5,197		4,743	5,197	4,743	4,422
Residential [Member] | Real Estate Mortgage [Member]
Balance in ACL [Roll Forward]
Beginning balance	8,179	7,637	7,708	7,637	7,832	7,832
Provision charged to expense	(338)		(269)	345	(214)	3
Losses charged off	(11)		(9)	(188)	(203)	(266)
Recoveries	5		8	41	23	68
Ending balance	7,835		7,438	7,835	7,438	7,637
Residential [Member] | Home Equity Lines [Member]
Balance in ACL [Roll Forward]
Beginning balance	887	866	673	866	844	844
Provision charged to expense	41		181	79	20	39
Losses charged off	0		(14)	(24)	(33)	(36)
Recoveries	12		5	19	14	19
Ending balance	940		845	940	845	866
Consumer [Member] | Consumer Direct [Member]
Balance in ACL [Roll Forward]
Beginning balance	1,621	1,951	1,635	1,951	1,863	1,863
Provision charged to expense	(71)		290	(316)	91	256
Losses charged off	(81)		(194)	(426)	(502)	(684)
Recoveries	205		110	465	389	516
Ending balance	1,674		1,841	1,674	1,841	1,951
Consumer [Member] | Consumer Indirect [Member]
Balance in ACL [Roll Forward]
Beginning balance	7,695	$ 7,494	7,066	7,494	9,906	9,906
Provision charged to expense	528		357	605	(3,024)	(3,129)
Losses charged off	(804)		(515)	(1,815)	(2,007)	(2,361)
Recoveries	476		551	1,611	2,584	3,078
Ending balance	$ 7,895		$ 7,459	$ 7,895	$ 7,459	$ 7,494

Loans, Analysis of Allowance fo

Loans, Analysis of Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021	Jun. 30, 2022
Allowance for Credit Losses [Abstract]
Period of reasonable and supportable forecast				12 months
Provision for credit losses (recovery)	$ 2,414	$ 100	$ (163)	$ 3,366	$ (6,919)	$ (6,386)
Allowance for credit losses to nonperforming loans	324.50%		220%	324.50%	220%		305.90%
Credit loss reserve as percentage of total loans outstanding	1.22%		1.21%	1.22%	1.21%		1.19%

Loans, Nonaccrual Loans Segrega

Loans, Nonaccrual Loans Segregated by Class of Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	$ 0	$ 2,447
Nonaccrual loans with ACL	8,138	8,224
90+ and still accruing	5,554	5,954
Nonperforming loans	$ 13,692	16,625
Past due period after which loans must be well secured and in process of collection to continue accruing interest	90 days
Commercial [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	$ 0	2,447
Nonaccrual loans with ACL	3,767	3,564
90+ and still accruing	789	532
Nonperforming loans	4,556	6,543
Commercial [Member] | Hotel/Motel [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	1,075
90+ and still accruing	0	0
Nonperforming loans	0	1,075
Commercial [Member] | Commercial Real Estate Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	420	585
90+ and still accruing	72	312
Nonperforming loans	492	897
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	2,447
Nonaccrual loans with ACL	3,133	1,602
90+ and still accruing	509	144
Nonperforming loans	3,642	4,193
Commercial [Member] | Commercial Other [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	214	302
90+ and still accruing	208	76
Nonperforming loans	422	378
Commercial [Member] | Commercial Unsecured SBA PPP [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0
Nonaccrual loans with ACL	0
90+ and still accruing	0
Nonperforming loans	0
Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	4,371	4,660
90+ and still accruing	4,415	5,172
Nonperforming loans	8,786	9,832
Residential [Member] | Real Estate Mortgage [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	3,945	4,081
90+ and still accruing	4,038	4,659
Nonperforming loans	7,983	8,740
Residential [Member] | Home Equity Lines [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	426	579
90+ and still accruing	377	513
Nonperforming loans	803	1,092
Consumer [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	0
90+ and still accruing	350	250
Nonperforming loans	350	250
Consumer [Member] | Consumer Direct [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	0
90+ and still accruing	9	44
Nonperforming loans	9	44
Consumer [Member] | Consumer Indirect [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	0
90+ and still accruing	341	206
Nonperforming loans	$ 341	$ 206

Loans, Loan Portfolio Aging Ana

Loans, Loan Portfolio Aging Analysis, Segregated by Class (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 3,630,616	$ 3,630,616	$ 3,408,813
Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	23,859	23,859	24,608
30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	6,876	6,876	7,928
60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	6,115	6,115	4,206
90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	10,868	10,868	12,474
Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,606,757	3,606,757	3,384,205
Commercial [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,836,390	1,836,390	1,757,453
Commercial [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	7,334	7,334	7,750
Commercial [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,988	1,988	2,816
Commercial [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,495	1,495	472
Commercial [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,851	3,851	4,462
Commercial [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,829,056	1,829,056	1,749,703
Commercial [Member] | Hotel/Motel [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 335,253	$ 335,253	257,062
Percentage of total loan	9.20%	9.20%
Minimum threshold amount of loans requiring performance bond	$ 500	$ 500
Commercial [Member] | Hotel/Motel [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Hotel/Motel [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Hotel/Motel [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Hotel/Motel [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Hotel/Motel [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	335,253	335,253	257,062
Commercial [Member] | Commercial Real Estate Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	359,643	359,643	335,233
Minimum threshold amount of loans requiring performance bond	500	500
Commercial [Member] | Commercial Real Estate Residential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	888	888	1,235
Commercial [Member] | Commercial Real Estate Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	235	235	274
Commercial [Member] | Commercial Real Estate Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	203	203	116
Commercial [Member] | Commercial Real Estate Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	450	450	845
Commercial [Member] | Commercial Real Estate Residential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	358,755	358,755	333,998
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	756,138	756,138	757,893
Minimum threshold amount of loans requiring performance bond	500	500
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	5,777	5,777	4,959
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,461	1,461	1,303
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,136	1,136	147
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,180	3,180	3,509
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	750,361	750,361	752,934
Commercial [Member] | Dealer Floorplans [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	73,221	73,221	69,452
Commercial [Member] | Dealer Floorplans [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Dealer Floorplans [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Dealer Floorplans [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Dealer Floorplans [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Dealer Floorplans [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	73,221	73,221	69,452
Commercial [Member] | Commercial Other [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	310,177	310,177	290,478
Commercial [Member] | Commercial Other [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	595	595	1,508
Commercial [Member] | Commercial Other [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	219	219	1,225
Commercial [Member] | Commercial Other [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	155	155	175
Commercial [Member] | Commercial Other [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	221	221	108
Commercial [Member] | Commercial Other [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	309,582	309,582	288,970
Commercial [Member] | Commercial Unsecured SBA PPP [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,958	1,958	47,335
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	74	74	48
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	73	73	14
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1	1	34
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,884	1,884	47,287
Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	930,344	930,344	873,852
Residential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	12,245	12,245	12,611
Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,629	1,629	1,827
Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,949	3,949	3,022
Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	6,667	6,667	7,762
Residential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	918,099	918,099	861,241
Residential [Member] | Real Estate Mortgage [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	814,944	814,944	767,185
Residential [Member] | Real Estate Mortgage [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	11,103	11,103	10,737
Residential [Member] | Real Estate Mortgage [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,100	1,100	1,171
Residential [Member] | Real Estate Mortgage [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,877	3,877	2,707
Residential [Member] | Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	6,126	6,126	6,859
Residential [Member] | Real Estate Mortgage [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	803,841	803,841	756,448
Residential [Member] | Home Equity Lines [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	115,400	115,400	106,667
Residential [Member] | Home Equity Lines [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,142	1,142	1,874
Residential [Member] | Home Equity Lines [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	529	529	656
Residential [Member] | Home Equity Lines [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	72	72	315
Residential [Member] | Home Equity Lines [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	541	541	903
Residential [Member] | Home Equity Lines [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	114,258	114,258	104,793
Consumer [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	863,882	863,882	777,508
Consumer [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	4,280	4,280	4,247
Consumer [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,259	3,259	3,285
Consumer [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	671	671	712
Consumer [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	350	350	250
Consumer [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	859,602	859,602	773,261
Consumer [Member] | Consumer Direct [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	160,866	160,866	156,683
Consumer [Member] | Consumer Direct [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	506	506	619
Consumer [Member] | Consumer Direct [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	407	407	396
Consumer [Member] | Consumer Direct [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	90	90	179
Consumer [Member] | Consumer Direct [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	9	9	44
Consumer [Member] | Consumer Direct [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	160,360	160,360	156,064
Consumer [Member] | Consumer Indirect [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	703,016	703,016	620,825
Consumer [Member] | Consumer Indirect [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,774	3,774	3,628
Consumer [Member] | Consumer Indirect [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,852	2,852	2,889
Consumer [Member] | Consumer Indirect [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	581	581	533
Consumer [Member] | Consumer Indirect [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	341	341	206
Consumer [Member] | Consumer Indirect [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 699,242	$ 699,242	$ 617,197

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, 2022	Dec. 31, 2021
Credit Risk Profile, Segregated by Class [Abstract]
Total	$ 3,630,616	$ 3,408,813
Consumer mortgage loans secured by real estate properties for which formal foreclosure proceedings are in process	3,400	2,300
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	444,405	553,686
2021/2020	423,656	239,577
2020/2019	204,003	196,051
2019/2018	168,932	146,490
2018/2017	89,679	120,432
Prior	314,318	311,172
Revolving Loans	191,397	190,045
Total	1,836,390	1,757,453
Commercial [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	421,990	517,860
2021/2020	396,074	209,688
2020/2019	178,135	174,914
2019/2018	157,342	125,833
2018/2017	77,818	109,211
Prior	259,066	247,757
Revolving Loans	182,465	176,157
Total	$ 1,672,890	1,561,420
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]
2022/2021	$ 13,461	24,203
2021/2020	12,807	21,212
2020/2019	18,202	16,338
2019/2018	7,348	14,300
2018/2017	9,326	7,219
Prior	38,005	50,350
Revolving Loans	8,043	13,062
Total	107,192	146,684
Commercial [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	31	0
2020/2019	0	268
2019/2018	40	383
2018/2017	2	28
Prior	2,089	179
Revolving Loans	77	502
Total	2,239	1,360
Commercial [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	8,954	11,623
2021/2020	14,744	8,677
2020/2019	7,666	4,531
2019/2018	4,202	5,974
2018/2017	2,533	3,974
Prior	14,852	12,578
Revolving Loans	812	324
Total	53,763	47,681
Commercial [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	306	308
Revolving Loans	0	0
Total	306	308
Commercial [Member] | Hotel/Motel [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	120,832	51,290
2021/2020	44,932	25,252
2020/2019	24,062	62,526
2019/2018	58,734	30,887
2018/2017	21,644	36,518
Prior	65,049	50,589
Revolving Loans	0	0
Total	335,253	257,062
Commercial [Member] | Hotel/Motel [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	112,819	42,056
2021/2020	35,913	11,231
2020/2019	17,878	53,713
2019/2018	54,855	18,752
2018/2017	18,332	32,765
Prior	44,135	20,087
Revolving Loans	0	0
Total	283,932	178,604
Commercial [Member] | Hotel/Motel [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	8,013	9,234
2021/2020	9,019	14,021
2020/2019	6,184	8,813
2019/2018	3,879	8,780
2018/2017	3,312	2,678
Prior	18,935	30,502
Revolving Loans	0	0
Total	49,342	74,028
Commercial [Member] | Hotel/Motel [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	1,979	0
Revolving Loans	0	0
Total	1,979	0
Commercial [Member] | Hotel/Motel [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	3,355
2018/2017	0	1,075
Prior	0	0
Revolving Loans	0	0
Total	0	4,430
Commercial [Member] | Hotel/Motel [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Real Estate Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	96,504	149,829
2021/2020	124,285	58,729
2020/2019	43,904	24,902
2019/2018	17,275	23,780
2018/2017	16,840	13,085
Prior	49,221	55,208
Revolving Loans	11,614	9,700
Total	359,643	335,233
Commercial [Member] | Commercial Real Estate Residential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	94,915	142,364
2021/2020	119,441	54,380
2020/2019	40,624	22,320
2019/2018	16,026	19,826
2018/2017	11,053	11,919
Prior	39,688	45,791
Revolving Loans	11,474	9,544
Total	333,221	306,144
Commercial [Member] | Commercial Real Estate Residential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	1,164	2,643
2021/2020	456	2,359
2020/2019	1,526	1,962
2019/2018	855	2,119
2018/2017	4,132	554
Prior	6,891	6,949
Revolving Loans	112	156
Total	15,136	16,742
Commercial [Member] | Commercial Real Estate Residential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	40	0
2018/2017	0	16
Prior	14	0
Revolving Loans	28	0
Total	82	16
Commercial [Member] | Commercial Real Estate Residential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	425	4,822
2021/2020	4,388	1,990
2020/2019	1,754	620
2019/2018	354	1,835
2018/2017	1,655	596
Prior	2,628	2,468
Revolving Loans	0	0
Total	11,204	12,331
Commercial [Member] | Commercial Real Estate Residential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	147,341	224,894
2021/2020	183,764	107,094
2020/2019	97,963	90,131
2019/2018	81,906	60,799
2018/2017	48,095	61,093
Prior	173,578	190,506
Revolving Loans	23,491	23,376
Total	756,138	757,893
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	142,815	214,563
2021/2020	176,194	99,131
2020/2019	83,163	82,386
2019/2018	76,669	57,397
2018/2017	45,760	55,422
Prior	150,451	168,533
Revolving Loans	22,608	22,389
Total	697,660	699,821
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	2,908	5,130
2021/2020	2,813	2,865
2020/2019	9,819	3,981
2019/2018	2,334	2,802
2018/2017	1,621	3,655
Prior	11,122	11,828
Revolving Loans	839	767
Total	31,456	31,028
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	96	178
Revolving Loans	19	20
Total	115	198
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	1,618	5,201
2021/2020	4,757	5,098
2020/2019	4,981	3,764
2019/2018	2,903	600
2018/2017	714	2,016
Prior	11,603	9,659
Revolving Loans	25	200
Total	26,601	26,538
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	306	308
Revolving Loans	0	0
Total	306	308
Commercial [Member] | Dealer Floorplans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	73,221	69,452
Total	73,221	69,452
Commercial [Member] | Dealer Floorplans [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	72,731	69,105
Total	72,731	69,105
Commercial [Member] | Dealer Floorplans [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	490	347
Total	490	347
Commercial [Member] | Dealer Floorplans [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Dealer Floorplans [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Dealer Floorplans [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	79,728	81,446
2021/2020	68,717	47,394
2020/2019	38,074	18,492
2019/2018	11,017	31,024
2018/2017	3,100	9,736
Prior	26,470	14,869
Revolving Loans	83,071	87,517
Total	310,177	290,478
Commercial [Member] | Commercial Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	71,441	72,650
2021/2020	62,568	43,838
2020/2019	36,470	16,495
2019/2018	9,792	29,858
2018/2017	2,673	9,105
Prior	24,792	13,346
Revolving Loans	75,652	75,119
Total	283,388	260,411
Commercial [Member] | Commercial Other [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	1,376	7,196
2021/2020	519	1,967
2020/2019	673	1,582
2019/2018	280	599
2018/2017	261	332
Prior	1,057	1,071
Revolving Loans	6,602	11,792
Total	10,768	24,539
Commercial [Member] | Commercial Other [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	31	0
2020/2019	0	268
2019/2018	0	383
2018/2017	2	12
Prior	0	1
Revolving Loans	30	482
Total	63	1,146
Commercial [Member] | Commercial Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	6,911	1,600
2021/2020	5,599	1,589
2020/2019	931	147
2019/2018	945	184
2018/2017	164	287
Prior	621	451
Revolving Loans	787	124
Total	15,958	4,382
Commercial [Member] | Commercial Other [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	46,227
2021/2020	1,958	1,108
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	1,958	47,335
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	46,227
2021/2020	1,958	1,108
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	1,958	47,335
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Commercial [Member] | Commercial Unsecured SBA PPP [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving Loans	0	0
Total	0	0
Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	143,060	195,731
2021/2020	183,627	161,534
2020/2019	137,540	76,216
2019/2018	65,305	37,552
2018/2017	32,001	43,155
Prior	264,748	264,426
Revolving Loans	104,063	95,238
Total	930,344	873,852
Residential [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	143,060	195,731
2021/2020	183,460	161,471
2020/2019	137,463	75,792
2019/2018	64,827	37,188
2018/2017	31,710	42,597
Prior	257,307	256,575
Revolving Loans	103,731	94,666
Total	921,558	864,020
Residential [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	167	63
2020/2019	77	424
2019/2018	478	364
2018/2017	291	558
Prior	7,441	7,851
Revolving Loans	332	572
Total	8,786	9,832
Residential [Member] | Real Estate Mortgage [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	143,060	195,731
2021/2020	183,627	161,534
2020/2019	137,540	76,216
2019/2018	65,305	37,552
2018/2017	32,001	43,155
Prior	253,411	252,997
Revolving Loans	0	0
Total	814,944	767,185
Residential [Member] | Real Estate Mortgage [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	143,060	195,731
2021/2020	183,460	161,471
2020/2019	137,463	75,792
2019/2018	64,827	37,188
2018/2017	31,710	42,597
Prior	246,441	245,666
Revolving Loans	0	0
Total	806,961	758,445
Residential [Member] | Real Estate Mortgage [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	167	63
2020/2019	77	424
2019/2018	478	364
2018/2017	291	558
Prior	6,970	7,331
Revolving Loans	0	0
Total	7,983	8,740
Residential [Member] | Home Equity Lines [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	11,337	11,429
Revolving Loans	104,063	95,238
Total	115,400	106,667
Residential [Member] | Home Equity Lines [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	10,866	10,909
Revolving Loans	103,731	94,666
Total	114,597	105,575
Residential [Member] | Home Equity Lines [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	471	520
Revolving Loans	332	572
Total	803	1,092
Consumer [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	343,523	334,777
2021/2020	233,504	229,596
2020/2019	157,876	99,308
2019/2018	64,931	64,939
2018/2017	39,052	27,965
Prior	24,996	20,923
Revolving Loans	0	0
Total	863,882	777,508
Consumer [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	343,450	334,753
2021/2020	233,428	229,457
2020/2019	157,747	99,285
2019/2018	64,910	64,905
2018/2017	39,014	27,939
Prior	24,983	20,919
Revolving Loans	0	0
Total	863,532	777,258
Consumer [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	73	24
2021/2020	76	139
2020/2019	129	23
2019/2018	21	34
2018/2017	38	26
Prior	13	4
Revolving Loans	0	0
Total	350	250
Consumer [Member] | Consumer Direct [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	54,072	71,626
2021/2020	47,756	39,316
2020/2019	27,195	18,495
2019/2018	12,335	10,502
2018/2017	7,348	4,493
Prior	12,160	12,251
Revolving Loans	0	0
Total	160,866	156,683
Consumer [Member] | Consumer Direct [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	54,072	71,626
2021/2020	47,750	39,312
2020/2019	27,195	18,492
2019/2018	12,335	10,468
2018/2017	7,345	4,490
Prior	12,160	12,251
Revolving Loans	0	0
Total	160,857	156,639
Consumer [Member] | Consumer Direct [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	0	0
2021/2020	6	4
2020/2019	0	3
2019/2018	0	34
2018/2017	3	3
Prior	0	0
Revolving Loans	0	0
Total	9	44
Consumer [Member] | Consumer Indirect [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	289,451	263,151
2021/2020	185,748	190,280
2020/2019	130,681	80,813
2019/2018	52,596	54,437
2018/2017	31,704	23,472
Prior	12,836	8,672
Revolving Loans	0	0
Total	703,016	620,825
Consumer [Member] | Consumer Indirect [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	289,378	263,127
2021/2020	185,678	190,145
2020/2019	130,552	80,793
2019/2018	52,575	54,437
2018/2017	31,669	23,449
Prior	12,823	8,668
Revolving Loans	0	0
Total	702,675	620,619
Consumer [Member] | Consumer Indirect [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022/2021	73	24
2021/2020	70	135
2020/2019	129	20
2019/2018	21	0
2018/2017	35	23
Prior	13	4
Revolving Loans	0	0
Total	$ 341	$ 206

Loans, Collateral Dependent Loa

Loans, Collateral Dependent Loans and Loans With/Without Specific Valuation Allowance (Details) - Commercial [Member] $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($) Loan	Sep. 30, 2021 USD ($) Loan	Dec. 31, 2021 USD ($) Loan
Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	15	19	18
Recorded balance	$ 32,906	$ 39,970	$ 37,773
Specific Allowance	$ 1,350	$ 1,200	$ 1,150
Hotel/Motel [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	1	2	2
Recorded balance	$ 1,181	$ 9,522	$ 9,462
Specific Allowance	$ 0	$ 600	$ 600
Commercial Real Estate Residential [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	3	4	4
Recorded balance	$ 5,820	$ 7,363	$ 7,255
Specific Allowance	$ 0	$ 0	$ 0
Commercial Real Estate Nonresidential [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	9	12	11
Recorded balance	$ 16,720	$ 21,920	$ 19,943
Specific Allowance	$ 350	$ 200	$ 200
Commercial Other [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	2	1	1
Recorded balance	$ 9,185	$ 1,165	$ 1,113
Specific Allowance	$ 1,000	$ 400	$ 350
Commercial Other [Member] | Accounts Receivable, Equipment, and Inventory [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of financing receivables collateralized | Loan	2

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, 2022 USD ($) Loan	Sep. 30, 2021 USD ($) Loan	Sep. 30, 2022 USD ($) Loan	Sep. 30, 2021 USD ($) Loan	Dec. 31, 2021 USD ($) Loan
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	6	7	22	14	23
Pre-Modification Outstanding Recorded Investment	$ 6,411	$ 5,016	$ 14,557	$ 7,815	$ 8,789
Post-Modification Outstanding Balance	6,410	$ 5,113	14,554	$ 7,853	8,864
Commitment to extend additional credit on loans modified in TDRs	$ 41		$ 41		52
Defaulted restructured loans, number of loans | Loan	0	0	0	2
Defaulted restructured loans, recorded balance		$ 0		$ 1,388
Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	$ 6,018	2,448	$ 13,248	4,827	5,262
Post-Modification Outstanding Balance	6,017	2,551	13,245	4,853	5,325
Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	393	2,568	1,309	2,988	3,265
Post-Modification Outstanding Balance	$ 393	$ 2,562	$ 1,309	$ 3,000	3,277
Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					262
Post-Modification Outstanding Balance					$ 262
Commercial [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	4	7	17	14	20
Pre-Modification Outstanding Recorded Investment	$ 5,730	$ 5,016	$ 12,655	$ 7,815	$ 7,972
Post-Modification Outstanding Balance	5,729	5,113	12,652	7,853	8,046
Commercial [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	5,730	2,448	12,655	4,827	4,984
Post-Modification Outstanding Balance	5,729	2,551	12,652	4,853	5,046
Commercial [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0	2,568	0	2,988	2,988
Post-Modification Outstanding Balance	$ 0	$ 2,562	$ 0	$ 3,000	3,000
Commercial [Member] | Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					0
Post-Modification Outstanding Balance					$ 0
Commercial [Member] | Hotel/Motel [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Defaulted restructured loans, number of loans | Loan		0		1
Defaulted restructured loans, recorded balance		$ 0		$ 1,113
Commercial [Member] | Commercial Real Estate Residential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	2	2	4	2	6
Pre-Modification Outstanding Recorded Investment	$ 318	$ 255	$ 472	$ 255	$ 388
Post-Modification Outstanding Balance	318	254	472	254	424
Commercial [Member] | Commercial Real Estate Residential [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	318	255	472	255	388
Post-Modification Outstanding Balance	318	254	472	254	424
Commercial [Member] | Commercial Real Estate Residential [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0	0	0	0	0
Post-Modification Outstanding Balance	$ 0	$ 0	$ 0	$ 0	0
Commercial [Member] | Commercial Real Estate Residential [Member] | Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					0
Post-Modification Outstanding Balance					$ 0
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	1	4	3	9	9
Pre-Modification Outstanding Recorded Investment	$ 190	$ 4,666	$ 435	$ 7,167	$ 7,167
Post-Modification Outstanding Balance	189	4,758	433	7,282	7,282
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	190	2,098	435	4,179	4,179
Post-Modification Outstanding Balance	189	2,196	433	4,282	4,282
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0	2,568	0	2,988	2,988
Post-Modification Outstanding Balance	$ 0	$ 2,562	$ 0	$ 3,000	3,000
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					0
Post-Modification Outstanding Balance					$ 0
Commercial [Member] | Commercial Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	1	1	10	3	5
Pre-Modification Outstanding Recorded Investment	$ 5,222	$ 95	$ 11,748	$ 393	$ 417
Post-Modification Outstanding Balance	5,222	101	11,747	317	340
Commercial [Member] | Commercial Other [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	5,222	95	11,748	393	417
Post-Modification Outstanding Balance	5,222	101	11,747	317	340
Commercial [Member] | Commercial Other [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	0	0	0	0	0
Post-Modification Outstanding Balance	$ 0	$ 0	$ 0	$ 0	0
Commercial [Member] | Commercial Other [Member] | Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					0
Post-Modification Outstanding Balance					$ 0
Residential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	2		5		3
Pre-Modification Outstanding Recorded Investment	$ 681		$ 1,902		$ 817
Post-Modification Outstanding Balance	681		1,902		818
Residential [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	288		593		278
Post-Modification Outstanding Balance	288		593		279
Residential [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	393		1,309		277
Post-Modification Outstanding Balance	$ 393		$ 1,309		277
Residential [Member] | Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					262
Post-Modification Outstanding Balance					$ 262
Residential [Member] | Real Estate Mortgage [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Number of Loans | Loan	2		5		3
Pre-Modification Outstanding Recorded Investment	$ 681		$ 1,902		$ 817
Post-Modification Outstanding Balance	681		1,902		818
Defaulted restructured loans, number of loans | Loan		0		1
Defaulted restructured loans, recorded balance		$ 0		$ 275
Residential [Member] | Real Estate Mortgage [Member] | Term Modification [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	288		593		278
Post-Modification Outstanding Balance	288		593		279
Residential [Member] | Real Estate Mortgage [Member] | Combination [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment	393		1,309		277
Post-Modification Outstanding Balance	$ 393		$ 1,309		277
Residential [Member] | Real Estate Mortgage [Member] | Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Pre-Modification Outstanding Recorded Investment					262
Post-Modification Outstanding Balance					$ 262

Other Real Estate Owned, Activi

Other Real Estate Owned, Activity For Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Activity for other real estate owned [Roll Forward]
Beginning balance of other real estate owned	$ 1,954	$ 5,848	$ 3,486	$ 7,694
New assets acquired	34	644	478	895
Capitalized costs	0	0	73	0
Fair value adjustments	(6)	(132)	(275)	(637)
Sale of assets	(118)	(2,046)	(1,898)	(3,638)
Ending balance of other real estate owned	1,864	4,314	1,864	4,314
Carrying cost and fair value adjustments for foreclosed properties	$ 42	$ 300	$ 400	$ 1,100

Other Real Estate Owned, Major

Other Real Estate Owned, Major Classifications of Foreclosed Properties (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 1,864	$ 3,486
1-4 Family [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	583	1,130
Construction/Land Development/Other [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	438	480
Multifamily [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	0	88
Non-farm/Non-residential [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 843	$ 1,788

Repurchase Agreements (Details)

Repurchase Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	$ 1,298,592	$ 1,455,429
Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	230,123	271,088
Securities Sold under Agreements to Repurchase [Member] | Asset Pledged as Collateral [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	263,900	317,100
Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	120,268	111,240
Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [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	500
30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	2,355	105,000
Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	76,500	54,348
U.S. Treasury and Government Agencies [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	401,772	295,770
U.S. Treasury and Government Agencies [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	19,826	18,632
U.S. Treasury and Government Agencies [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	6,645	3,176
U.S. Treasury and Government Agencies [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	8,153	16
U.S. Treasury and Government Agencies [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [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	5,400
U.S. Treasury and Government Agencies [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	4,973	10,040
State and Political Subdivisions [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	258,076	334,203
State and Political Subdivisions [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	107,411	106,919
State and Political Subdivisions [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	90,502	83,375
State and Political Subdivisions [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	5,155	484
State and Political Subdivisions [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	1,663	13,633
State and Political Subdivisions [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	10,091	9,427
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	549,039	730,809
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	102,886	145,537
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	23,121	24,689
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	17,692	0
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	637	85,967
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	$ 61,436	$ 34,881

Fair Value of Financial Asset_3

Fair Value of Financial Assets and Liabilities, Fair Value Measurements of Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	$ 1,298,592	$ 1,455,429
Equity securities at fair value	1,969	2,253
U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	401,772	295,770
State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	258,076	334,203
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	549,039	730,809
Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	89,705	94,647
Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	1,969	2,253
Mortgage servicing rights	8,576	6,774
Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	401,772	295,770
Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	258,076	334,203
Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	549,039	730,809
Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	89,705	94,647
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	0	0
Mortgage servicing rights	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	362,015	242,214
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	0	0
Mortgage servicing rights	0	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	39,757	53,556
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	258,076	334,203
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	549,039	730,809
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	89,705	94,647
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	1,969	2,253
Mortgage servicing rights	8,576	6,774
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	$ 0	$ 0

Fair Value of Financial Asset_4

Fair Value of Financial Assets and Liabilities, Fair Value Measurements of Assets Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	$ 4,809	$ 1,238		$ 4,809		$ 1,238
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
Nonrecurring [Member]
Impaired loan (collateral dependent) [Abstract]
Fair value adjustments on collateral dependent loans expense (recovery)	900	400	$ 100	$ 1,200	$ 800	700
Other real estate owned [Abstract]
Other real estate owned, fair value adjustment	0	200	$ 100	200	$ 100	300
Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	4,809	1,238		4,809		1,238
Other real estate owned	597	1,487		597		1,487
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0	0		0		0
Other real estate owned	0	0		0		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0	0		0		0
Other real estate owned	0	0		0		0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	4,809	1,238		4,809		1,238
Other real estate owned	$ 597	$ 1,487		$ 597		$ 1,487

Fair Value of Financial Asset_5

Fair Value of Financial Assets and Liabilities, Level 3 Reconciliation and Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Noninterest Income [Abstract]
Total gains (losses)	$ 94	$ (103)	$ 963	$ 370
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	2,128	2,523	2,253	2,471
Total unrealized gains (losses) included in net income	(159)	(62)	(284)	(10)
Issues	0	0	0	0
Settlements	0	0	0	0
Ending balance	1,969	2,461	1,969	2,461
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	(159)	(62)	(284)	(10)
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	8,220	5,899	6,774	4,068
Total unrealized gains (losses) included in net income	504	141	1,955	1,042
Issues	103	407	555	1,817
Settlements	(251)	(182)	(708)	(662)
Ending balance	8,576	6,265	8,576	6,265
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	$ 504	$ 141	$ 1,955	$ 1,042

Fair Value of Financial Asset_6

Fair Value of Financial Assets and Liabilities, Quantitative Information about Level 3 Fair Value Measurements (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value	$ 1,969	$ 2,253
Mortgage servicing rights	8,576	6,774
Collateral dependent loans	4,809	1,238
Other real estate owned	$ 597	$ 1,487
Conversion Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	1.6059
Dividend Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.6022
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	0.08	0.08
Mortgage servicing rights, measurement input	0.095	0.10
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	0.12	0.12
Mortgage servicing rights, measurement input	0.117	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	0.10	0.10
Mortgage servicing rights, measurement input	0.10	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, 2024	Dec. 31, 2024
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, 2028	Dec. 31, 2028
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, 2026	Dec. 31, 2026
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	0.07	0.07
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	0.249	0.267
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	0.071	0.10
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	0.75
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	0.012	0.014
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	0.33	0.20
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	0.46	0.62
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	0.39	0.41
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	0.10
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	0.10	0.455
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	0.10	0.151

Fair Value of Financial Asset_7

Fair Value of Financial Assets and Liabilities, Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial assets [Abstract]
Debt securities available-for-sale	$ 1,298,592	$ 1,455,429
Equity securities at fair value	1,969	2,253
Federal Reserve Bank stock	4,887	4,887
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	259,629	311,756
Certificates of deposit in other banks	245	245
Debt securities available-for-sale	1,298,592	1,455,429
Equity securities at fair value	1,969	2,253
Loans held for sale	1,043	2,632
Loans, net	3,586,183	3,367,057
Federal Home Loan Bank stock	6,676	8,139
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	16,513	15,415
Financial liabilities [Abstract]
Deposits	4,535,068	4,344,292
Repurchase agreements	230,123	271,088
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	360	375
Long-term debt	57,841	57,841
Accrued interest payable	2,501	1,016
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	259,629	311,756
Certificates of deposit in other banks	0	0
Debt securities available-for-sale	362,015	242,214
Equity securities at fair value	0	0
Loans held for sale	1,065	2,693
Loans, net	0	0
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	1,481,078	1,331,103
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 deposit in other banks	245	245
Debt securities available-for-sale	936,577	1,213,215
Equity securities at fair value	0	0
Loans held for sale	0	0
Loans, net	0	0
Federal Home Loan Bank stock	6,676	8,139
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	16,513	15,415
Financial liabilities [Abstract]
Deposits	3,064,938	3,043,339
Repurchase agreements	0	0
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	381	400
Long-term debt	0	0
Accrued interest payable	2,501	1,016
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 deposit in other banks	0	0
Debt securities available-for-sale	0	0
Equity securities at fair value	1,969	2,253
Loans held for sale	0	0
Loans, net	3,540,716	3,480,803
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Repurchase agreements	230,238	271,186
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	50,759	45,854
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, 2022 USD ($) 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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Numerator [Abstract]
Net income	$ 19,372	$ 21,142	$ 59,371	$ 68,691
Basic earnings per share [Abstract]
Weighted average shares (in shares)	17,841,000	17,790,000	17,832,000	17,783,000
Diluted earnings per share [Abstract]
Effect of dilutive stock options and restricted stock grants (in shares)	16,000	18,000	12,000	15,000
Adjusted weighted average shares (in shares)	17,857,000	17,808,000	17,844,000	17,798,000
Earnings per share [Abstract]
Basic earnings per share (in dollars per share)	$ 1.09	$ 1.19	$ 3.33	$ 3.86
Diluted earnings per share (in dollars per share)	$ 1.08	$ 1.19	$ 3.33	$ 3.86
Options [Member]
Earnings Per Share [Abstract]
Options excluded from diluted calculations (in shares)	0	0	0	0

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI) [Abstract]
Securities gains (losses)	$ (159)	$ (62)	$ (285)	$ 50
Tax expense (benefit)	4,954	5,095	14,954	17,841
Net income	19,372	21,142	59,371	68,691
Unrealized Gains (Losses) on AFS Securities [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI) [Abstract]
Securities gains (losses)	0	0	(1)	60
Tax expense (benefit)	0	0	0	16
Net income	$ 0	$ 0	$ (1)	$ 44