Loans (Tables)

3 Months Ended

Mar. 31, 2023

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)	March 31 2023		December 31 2022
Hotel/motel	$	348,876	$	343,640
Commercial real estate residential		385,328		372,914
Commercial real estate nonresidential		750,498		762,349
Dealer floorplans		75,443		77,533
Commercial other		316,955		312,422
Commercial loans		1,877,100		1,868,858
Real estate mortgage		846,435		824,996
Home equity lines		124,096		120,540
Residential loans		970,531		945,536
Consumer direct		157,158		157,504
Consumer indirect		772,570		737,392
Consumer loans		929,728		894,896
Loans and lease financing	$	3,777,359	$	3,709,290

Balance in ACL

The following tables present the balance in the ACL for the periods ended March 31, 2023,  December 31, 2022, and March 31, 2022:

	Three Months Ended March 31, 2023
(in thousands)	Beginning Balance		Provision Charged to Expense			Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	5,171	$	116		$	0		$	0	$	5,287
Commercial real estate residential		4,894		186			0			77		5,157
Commercial real estate nonresidential		9,419		(553	)		0			144		9,010
Dealer floorplans		1,776		(82	)		0			0		1,694
Commercial other		5,285		(416	)		(187	)		100		4,782
Real estate mortgage		7,932		21			(40	)		4		7,917
Home equity		1,106		(64	)		0			2		1,044
Consumer direct		1,694		105			(156	)		103		1,746
Consumer indirect		8,704		1,803			(1,382	)		921		10,046
Total	$	45,981	$	1,116		$	(1,765	)	$	1,351	$	46,683

	Year Ended December 31, 2022
(in thousands)	Beginning Balance		Provision Charged to Expense			Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	5,080	$	307		$	(216	)	$	0	$	5,171
Commercial real estate residential		3,986		951			(92	)		49		4,894
Commercial real estate nonresidential		8,884		(154	)		(46	)		735		9,419
Dealer floorplans		1,436		340			0			0		1,776
Commercial other		4,422		947			(1,082	)		998		5,285
Real estate mortgage		7,637		466			(223	)		52		7,932
Home equity		866		257			(37	)		20		1,106
Consumer direct		1,951		(210	)		(609	)		562		1,694
Consumer indirect		7,494		2,001			(3,041	)		2,250		8,704
Total	$	41,756	$	4,905		$	(5,346	)	$	4,666	$	45,981

	Three Months Ended March 31, 2022
(in thousands)	Beginning Balance		Provision Charged to Expense			Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	5,080	$	(153	)	$	(216	)	$	0	$	4,711
Commercial real estate residential		3,986		110			(31	)		5		4,070
Commercial real estate nonresidential		8,884		174			0			111		9,169
Dealer floorplans		1,436		83			0			0		1,519
Commercial other		4,422		478			(157	)		101		4,844
Real estate mortgage		7,637		97			(93	)		21		7,662
Home equity		866		(33	)		(19	)		5		819
Consumer direct		1,951		(180	)		(170	)		186		1,787
Consumer indirect		7,494		299			(634	)		569		7,728
Total	$	41,756	$	875		$	(1,320	)	$	998	$	42,309

Nonaccrual Loans Segregated by Class of Loans

Refer to Note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy.  Nonaccrual loans and loans 90 days past due and still accruing segregated by class of loans for both March 31, 2023 and December 31, 2022 were as follows:

	March 31, 2023
(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		352		55		407
Commercial real estate nonresidential		0		1,054		790		1,844
Commercial other		0		991		544		1,535
Total commercial loans		0		2,397		1,389		3,786
Real estate mortgage		0		3,358		4,174		7,532
Home equity lines		0		238		495		733
Total residential loans		0		3,596		4,669		8,265
Consumer direct		0		0		28		28
Consumer indirect		0		0		132		132
Total consumer loans		0		0		160		160
Loans and lease financing	$	0	$	5,993	$	6,218	$	12,211

	December 31, 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		355		258		613
Commercial real estate nonresidential		0		1,116		1,947		3,063
Commercial other		0		982		369		1,351
Total commercial loans		0		2,453		2,574		5,027
Real estate mortgage		0		4,069		4,929		8,998
Home equity lines		0		291		487		778
Total residential loans		0		4,360		5,416		9,776
Consumer direct		0		0		41		41
Consumer indirect		0		0		465		465
Total consumer loans		0		0		506		506
Loans and lease financing	$	0	$	6,813	$	8,496	$	15,309

Bank's Loan Portfolio Aging Analysis, Segregated by Class

The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of March 31, 2023 and December 31, 2022 (includes loans 90 days past due and still accruing as well):

	March 31, 2023
(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	$	348,876	$	348,876
Commercial real estate residential		597		663		371		1,631		383,697		385,328
Commercial real estate nonresidential		1,513		125		1,447		3,085		747,413		750,498
Dealer floorplans		0		0		0		0		75,443		75,443
Commercial other		1,183		473		1,321		2,977		313,978		316,955
Total commercial loans		3,293		1,261		3,139		7,693		1,869,407		1,877,100
Real estate mortgage		1,872		2,246		6,219		10,337		836,098		846,435
Home equity lines		761		93		617		1,471		122,625		124,096
Total residential loans		2,633		2,339		6,836		11,808		958,723		970,531
Consumer direct		284		13		28		325		156,833		157,158
Consumer indirect		2,006		593		132		2,731		769,839		772,570
Total consumer loans		2,290		606		160		3,056		926,672		929,728
Loans and lease financing	$	8,216	$	4,206	$	10,135	$	22,557	$	3,754,802	$	3,777,359

	December 31, 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	$	343,640	$	343,640
Commercial real estate residential		602		225		574		1,401		371,513		372,914
Commercial real estate nonresidential		2,549		395		2,611		5,555		756,794		762,349
Dealer floorplans		0		0		0		0		77,533		77,533
Commercial other		1,029		850		496		2,375		310,047		312,422
Total commercial loans		4,180		1,470		3,681		9,331		1,859,527		1,868,858
Real estate mortgage		869		3,402		7,067		11,338		813,658		824,996
Home equity lines		786		44		740		1,570		118,970		120,540
Total residential loans		1,655		3,446		7,807		12,908		932,628		945,536
Consumer direct		555		126		41		722		156,782		157,504
Consumer indirect		4,407		764		465		5,636		731,756		737,392
Total consumer loans		4,962		890		506		6,358		888,538		894,896
Loans and lease financing	$	10,797	$	5,806	$	11,994	$	28,597	$	3,680,693	$	3,709,290

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:

March 31, 2023	Term Loans Amortized Cost Basis by Origination Year
(in thousands)	2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
Hotel/motel
Risk rating:
Pass	$	10,397	$	144,932	$	28,671	$	17,556	$	47,870	$	47,835	$	3,545	$	300,806
Watch		848		6,977		8,980		5,485		3,433		13,376		0		39,099
OAEM		0		0		7,038		0		0		1,933		0		8,971
Substandard		0		0		0		0		0		0		0		0
Doubtful		0		0		0		0		0		0		0		0
Total hotel/motel		11,245		151,909		44,689		23,041		51,303		63,144		3,545		348,876
Commercial real estate residential
Risk rating:
Pass		35,101		109,784		106,509		36,768		13,441		44,088		13,828		359,519
Watch		315		1,163		756		1,575		632		8,446		63		12,950
OAEM		0		0		0		0		181		326		28		535
Substandard		79		656		4,361		954		179		6,095		0		12,324
Doubtful		0		0		0		0		0		0		0		0
Total commercial real estate residential		35,495		111,603		111,626		39,297		14,433		58,955		13,919		385,328
Commercial real estate nonresidential
Risk rating:
Pass		23,413		156,272		170,048		81,516		61,444		169,219		23,175		685,087
Watch		307		3,139		5,703		10,036		7,684		10,851		1,661		39,381
OAEM		0		2,535		0		0		0		84		0		2,619
Substandard		856		1,955		2,538		4,597		3,162		9,999		0		23,107
Doubtful		0		0		0		0		0		304		0		304
Total commercial real estate nonresidential		24,576		163,901		178,289		96,149		72,290		190,457		24,836		750,498
Dealer floorplans
Risk rating:
Pass		0		0		0		0		0		0		75,443		75,443
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 dealer floorplans		0		0		0		0		0		0		75,443		75,443
Commercial other
Risk rating:
Pass		22,368		64,329		57,072		32,436		7,059		24,241		85,994		293,499
Watch		372		1,177		526		221		177		885		5,789		9,147
OAEM		0		30		0		0		0		0		66		96
Substandard		386		5,405		5,143		823		316		690		746		13,509
Doubtful		0		466		129		0		109		0		0		704
Total commercial other		23,126		71,407		62,870		33,480		7,661		25,816		92,595		316,955
Commercial other current period gross charge-offs		156		20		0		0		0		11		0		187
Commercial loans
Risk rating:
Pass		91,279		475,317		362,300		168,276		129,814		285,383		201,985		1,714,354
Watch		1,842		12,456		15,965		17,317		11,926		33,558		7,513		100,577
OAEM		0		2,565		7,038		0		181		2,343		94		12,221
Substandard		1,321		8,016		12,042		6,374		3,657		16,784		746		48,940
Doubtful		0		466		129		0		109		304		0		1,008
Total commercial loans	$	94,442	$	498,820	$	397,474	$	191,967	$	145,687	$	338,372	$	210,338	$	1,877,100
Total commercial loans current period gross charge-offs	$	156	$	20	$	0	$	0	$	0	$	11	$	0	$	187

December 31, 2022	Term Loans Amortized Cost Basis by Origination Year
(in thousands)	2022		2021		2020		2019		2018		Prior		Revolving Loans		Total
Hotel/motel
Risk rating:
Pass	$	145,262	$	36,002	$	17,742	$	54,328	$	13,178	$	35,179	$	545	$	302,236
Watch		7,921		8,996		5,523		3,453		0		13,555		0		39,448
OAEM		0		0		0		0		0		1,956		0		1,956
Substandard		0		0		0		0		0		0		0		0
Doubtful		0		0		0		0		0		0		0		0
Total hotel/motel		153,183		44,998		23,265		57,781		13,178		50,690		545		343,640
Commercial real estate residential
Risk rating:
Pass		119,826		110,963		38,423		15,467		10,492		36,307		14,297		345,775
Watch		1,474		898		1,675		848		2,136		7,015		152		14,198
OAEM		0		0		0		39		0		0		29		68
Substandard		182		4,289		1,878		346		3,639		2,539		0		12,873
Doubtful		0		0		0		0		0		0		0		0
Total commercial real estate residential		121,482		116,150		41,976		16,700		16,267		45,861		14,478		372,914
Commercial real estate nonresidential
Risk rating:
Pass		175,220		171,311		80,932		70,848		44,099		137,575		23,166		703,151
Watch		3,331		5,765		10,090		2,178		1,962		10,022		1,550		34,898
OAEM		19		0		0		0		0		90		0		109
Substandard		1,939		2,537		4,877		3,135		508		10,865		25		23,886
Doubtful		0		0		0		0		0		305		0		305
Total commercial real estate nonresidential		180,509		179,613		95,899		76,161		46,569		158,857		24,741		762,349
Dealer floorplans
Risk rating:
Pass		0		0		0		0		0		0		77,153		77,153
Watch		0		0		0		0		0		0		380		380
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		77,533		77,533
Commercial other
Risk rating:
Pass		78,846		60,550		34,841		8,922		2,333		23,961		77,355		286,808
Watch		1,622		393		604		217		159		780		6,402		10,177
OAEM		30		0		0		0		0		0		30		60
Substandard		6,090		5,489		885		356		143		758		952		14,673
Doubtful		466		129		0		109		0		0		0		704
Total commercial other		87,054		66,561		36,330		9,604		2,635		25,499		84,739		312,422
Commercial loans
Risk rating:
Pass		519,154		378,826		171,938		149,565		70,102		233,022		192,516		1,715,123
Watch		14,348		16,052		17,892		6,696		4,257		31,372		8,484		99,101
OAEM		49		0		0		39		0		2,046		59		2,193
Substandard		8,211		12,315		7,640		3,837		4,290		14,162		977		51,432
Doubtful		466		129		0		109		0		305		0		1,009
Total commercial loans	$	542,228	$	407,322	$	197,470	$	160,246	$	78,649	$	280,907	$	202,036	$	1,868,858

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:

March 31, 2023	Term Loans Amortized Cost Basis by Origination Year
(in thousands)	2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
Home equity lines
Performing	$	0	$	0	$	0	$	0	$	0	$	9,768	$	113,595	$	123,363
Nonperforming		0		0		0		0		0		491		242		733
Total home equity lines		0		0		0		0		0		10,259		113,837		124,096
Mortgage loans
Performing		34,180		182,233		173,212		129,393		61,486		258,399		0		838,903
Nonperforming		0		0		167		0		756		6,609		0		7,532
Total mortgage loans		34,180		182,233		173,379		129,393		62,242		265,008		0		846,435
Mortgage loans current period gross charge-offs		0		0		0		0		0		40		0		40
Residential loans
Performing		34,180		182,233		173,212		129,393		61,486		268,167		113,595		962,266
Nonperforming		0		0		167		0		756		7,100		242		8,265
Total residential loans	$	34,180	$	182,233	$	173,379	$	129,393	$	62,242	$	275,267	$	113,837	$	970,531
Total residential loans current period gross charge-offs	$	0	$	0	$	0	$	0	$	0	$	40	$	0	$	40
Consumer direct loans
Performing	$	18,047	$	53,577	$	37,333	$	21,420	$	9,991	$	16,762	$	0	$	157,130
Nonperforming		0		28		0		0		0		0		0		28
Total consumer direct loans		18,047		53,605		37,333		21,420		9,991		16,762		0		157,158
Total consumer direct loans current period gross charge-offs		0		80		34		29		12		1		0		156
Consumer indirect loans
Performing		112,812		338,385		152,303		102,696		39,298		26,944		0		772,438
Nonperforming		0		16		68		21		7		20		0		132
Total consumer indirect loans		112,812		338,401		152,371		102,717		39,305		26,964		0		772,570
Total consumer indirect loans current period gross charge-offs		0		525		617		153		44		43		0		1,382
Consumer loans
Performing		130,859		391,962		189,636		124,116		49,289		43,706		0		929,568
Nonperforming		0		44		68		21		7		20		0		160
Total consumer loans	$	130,859	$	392,006	$	189,704	$	124,137	$	49,296	$	43,726	$	0	$	929,728
Total consumer loans current period gross charge-offs	$	0	$	605	$	651	$	182	$	56	$	44	$	0	$	1,538

December 31, 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	$	10,195	$	109,567	$	119,762
Nonperforming		0		0		0		0		0		502		276		778
Total home equity lines		0		0		0		0		0		10,697		109,843		120,540
Mortgage loans
Performing		176,736		177,469		132,795		62,415		30,473		236,110		0		815,998
Nonperforming		0		282		98		791		422		7,405		0		8,998
Total mortgage loans		176,736		177,751		132,893		63,206		30,895		243,515		0		824,996
Residential loans
Performing		176,736		177,469		132,795		62,415		30,473		246,305		109,567		935,760
Nonperforming		0		282		98		791		422		7,907		276		9,776
Total residential loans	$	176,736	$	177,751	$	132,893	$	63,206	$	30,895	$	254,212	$	109,843	$	945,536
Consumer direct loans
Performing	$	62,239	$	42,014	$	23,921	$	11,166	$	6,766	$	11,357	$	0	$	157,463
Nonperforming		25		11		5		0		0		0		0		41
Total consumer direct loans		62,264		42,025		23,926		11,166		6,766		11,357		0		157,504
Consumer indirect loans
Performing		371,079		168,513		116,267		45,748		26,247		9,073		0		736,927
Nonperforming		65		251		96		30		1		22		0		465
Total consumer indirect loans		371,144		168,764		116,363		45,778		26,248		9,095		0		737,392
Consumer loans
Performing		433,318		210,527		140,188		56,914		33,013		20,430		0		894,390
Nonperforming		90		262		101		30		1		22		0		506
Total consumer loans	$	433,408	$	210,789	$	140,289	$	56,944	$	33,014	$	20,452	$	0	$	894,896

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:

	March 31, 2023
(in thousands)	Number of Loans		Recorded Investment		Specific Reserve
Hotel/motel		2	$	8,193	$	0
Commercial real estate residential		3		6,380		0
Commercial real estate nonresidential		6		11,712		0
Commercial other		2		8,043		0
Total collateral dependent loans		13	$	34,328	$	0

	December 31, 2022
(in thousands)	Number of Loans		Recorded Investment		Specific Reserve
Hotel/motel		1	$	1,168	$	0
Commercial real estate residential		4		7,786		0
Commercial real estate nonresidential		8		14,718		200
Commercial other		2		8,926		1,000
Total collateral dependent loans		15	$	32,598	$	1,200

	March 31, 2022
(in thousands)	Number of Loans		Recorded Investment		Specific Reserve
Hotel/motel		1	$	8,348	$	0
Commercial real estate residential		4		7,119		0
Commercial real estate nonresidential		11		19,827		200
Commercial other		4		11,634		300
Total collateral dependent loans		20	$	46,928	$	500

Modified Loans Segregated by Class of Loans and Concession Granted

Certain loans have been modified where the customer is facing financial difficulty and economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances.  Those loans, segregated by class of loans and concession granted, are presented below as of March 31, 2023:

	Interest Rate Reduction						Term Extension
(in thousands)	Amortized Cost at March 31, 2023			% of total			Amortized Cost at March 31, 2023			% of total
Hotel/motel		$	0		0.00	%		$	0		0.00	%
Commercial real estate residential			358		0.09				1,369		0.36
Commercial real estate nonresidential			4,506		0.60				4,715		0.63
Dealer floorplans			0		0.00				0		0.00
Commercial other			0		0.00				963		0.30
Commercial loans			4,864		0.26				7,047		0.38
Real estate mortgage			59		0.01				2,446		0.29
Home equity lines			0		0.00				55		0.04
Residential loans			59		0.01				2,501		0.26
Consumer direct			0		0.00				178		0.11
Consumer indirect			0		0.00				396		0.05
Consumer loans			0		0.00				574		0.06
Loans and lease financing		$	4,923		0.13	%		$	10,122		0.27	%
	Combination – Term Extension and Interest Rate Reduction						Payment Change
(in thousands)	Amortized Cost at March   31, 2023			% of total			Amortized Cost at March 31, 2023			% of total
Hotel/motel		$	0		0.00	%		$	0		0.00	%
Commercial real estate residential			45		0.01				0		0.00
Commercial real estate nonresidential			0		0.00				0		0.00
Dealer floorplans			0		0.00				0		0.00
Commercial other			0		0.00				111		0.04
Commercial loans			45		0.00				111		0.01
Real estate mortgage			217		0.03				0		0.00
Home equity lines			35		0.03				60		0.05
Residential loans			252		0.03				60		0.01
Consumer direct			0		0.00				21		0.01
Consumer indirect			0		0.00				0		0.00
Consumer loans			0		0.00				21		0.00
Loans and lease financing		$	297		0.01	%		$	192		0.01	%

Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty

The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:

	Interest Rate Reduction	Term Extension
Loan Type	Financial Impact	Financial Impact
Hotel/motel
Commercial real estate residential	Reduced weighted-average contractual interest rate from 9.6% to 8.0%	The weighted-average term was not increased with the changes to this portfolio
Commercial real estate nonresidential	Reduced weighted-average contractual interest rate from 9.5% to 7.5%	The weighted-average term was not increased with the changes to this portfolio
Dealer floorplans
Commercial other		Added a weighted-average 1.8 years to life of the loans, which reduced monthly payment amounts to the borrower
Real estate mortgage	Changed from an adjustable rate to a fixed rate mortgage maintaining the contractual interest rate of 3.0%	Added a weighted-average 2.3 years to life of the loans, which reduced monthly payment amounts to the borrower
Home equity lines		Added a weighted-average 6.67 years to life of the loans, which reduced monthly payment amounts to the borrower
Consumer direct		Added a weighted-average 0.2 years to the life of the loans
Consumer indirect		Added a weighted-average 0.3 years to the life of the loans

	Combination – Term Extension and Interest Rate Reduction	Payment Changes
Loan Type	Financial Impact	Financial Impact
Hotel/motel
Commercial real estate residential	Reduced weighted-average contractual interest rate from 10.8% to 6.5% and increased the weighted-average life by 0.3 years
Commercial real estate nonresidential
Dealer floorplans
Commercial other		Provided payment changes that will be added to the end of the original loan term
Real estate mortgage	Reduced weighted-average contractual interest rate from 7.4% to 6.1% and increased the weighted-average life by 12.9 years
Home equity lines	While the weighted-average contractual interest rate did not change materially from 7.7%, the weighted-average life increased by 5.0 years	Provided payment changes that will be added to the end of the original loan term
Consumer direct		Provided payment changes that will be added to the end of the original loan term
Consumer indirect

Troubled Debt Restructuring

Presented below, segregated by class of loans, are TDRs that occurred during the three months ended March 31, 2022 and the year ended December 31, 2022:

	Three Months Ended March 31, 2022
	Pre-Modification Outstanding Balance
(in thousands)	Number of Loans		Term Modification		Combination		Total Modification
Hotel/motel		0	$	0	$	0	$	0
Commercial real estate residential		2		154		0		154
Commercial real estate nonresidential		2		245		0		245
Commercial other		4		964		0		964
Total commercial loans		8		1,363		0		1,363
Real estate mortgage		2		0		916		916
Total residential loans		2		0		916		916
Total troubled debt restructurings		10	$	1,363	$	916	$	2,279

	Three Months Ended March 31, 2022
	Post-Modification Outstanding Balance
(in thousands)	Number of Loans		Term Modification		Combination		Total Modification
Hotel/motel		0	$	0	$	0	$	0
Commercial real estate residential		2		154		0		154
Commercial real estate nonresidential		2		244		0		244
Commercial other		4		963		0		963
Total commercial loans		8		1,361		0		1,361
Real estate mortgage		2		0		916		916
Total residential loans		2		0		916		916
Total troubled debt restructurings		10	$	1,361	$	916	$	2,277

	Year Ended December 31, 2022
	Pre-Modification Outstanding Balance
(in thousands)	Number of Loans		Term Modification		Combination		Other		Total Modification
Commercial real estate residential		6	$	659	$	0	$	66	$	725
Commercial real estate nonresidential		8		1,206		0		118		1,324
Hotel/motel		0		0		0		0		0
Commercial other		22		12,812		0		66		12,878
Total commercial loans		36		14,677		0		250		14,927
Real estate mortgage		5		593		1,309		0		1,902
Total residential loans		5		593		1,309		0		1,902
Total troubled debt restructurings		41	$	15,270	$	1,309	$	250	$	16,829

	Year Ended December 31, 2022
	Post-Modification Outstanding Balance
(in thousands)	Number of Loans		Term Modification		Combination		Other		Total Modification
Commercial real estate residential		6	$	659	$	0	$	66	$	725
Commercial real estate nonresidential		8		1,342		0		118		1,460
Hotel/motel		0		0		0		0		0
Commercial other		22		12,811		0		66		12,877
Total commercial loans		36		14,812		0		250		15,062
Real estate mortgage		5		593		1,309		0		1,902
Total residential loans		5		593		1,309		0		1,902
Total troubled debt restructurings		41	$	15,405	$	1,309	$	250	$	16,964

Payment Status of Loans to Borrowers Experiencing Financial Difficulty

The table below represents the payment status of loans to borrowers experiencing financial difficulty.

	Past Due Status (Amortized Cost Basis)
	Current			30-89		90	+	Nonaccrual
Hotel/motel	$	0	$	0	$	0		$	0
Commercial real estate residential		1,772		0		0			0
Commercial real estate nonresidential		9,222		0		0			0
Dealer floorplans		0		0		0			0
Commercial other		720		353		0			0
Real estate mortgage		2,663		59		0			0
Home equity lines		150		0		0			0
Consumer direct		199		0		0			0
Consumer indirect		381		15		0			0
	$	15,107	$	427	$	0		$	0

Defaulted Restructured Loans

Presented below, segregated by class of loans, are loans that were modified as TDRs for the quarter ended March 31, 2022 and the year ended December 31, 2022:

	Three Months Ended March 31, 2022				Year Ended December 31, 2022
(in thousands)	Number of  Loans		Recorded Balance		Number of Loans		Recorded Balance
Commercial:
Hotel/motel		0	$	0		0	$	0
Residential:
Real estate mortgage		0		0		2		751
Total defaulted restructured loans		0	$	0		2	$	751