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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2023 | Mar. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | $ 205,677 | $ 167,582
Provision for loan losses | 49,376 | (2,734)
Loans charged off | (14,956) | (8,579)
Recoveries of loans previously charged off | 4,272 | 4,982
Ending balance, Allowance | 242,658 | 161,251
Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | (1,711) |
Commercial, financial and agricultural |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 39,455 | 26,829
Provision for loan losses | 16,078 | 215
Loans charged off | (12,233) | (4,414)
Recoveries of loans previously charged off | 2,043 | 2,896
Ending balance, Allowance | 45,238 | 25,526
Commercial, financial and agricultural | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | (105) |
Consumer |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 5,413 | 6,097
Provision for loan losses | 323 | 789
Loans charged off | (1,140) | (1,425)
Recoveries of loans previously charged off | 297 | 158
Ending balance, Allowance | 4,893 | 5,619
Consumer | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 0 |
Indirect automobile |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 174 | 476
Provision for loan losses | (219) | (290)
Loans charged off | (34) | (88)
Recoveries of loans previously charged off | 216 | 275
Ending balance, Allowance | 137 | 373
Indirect automobile | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 0 |
Mortgage warehouse |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 2,118 | 3,231
Provision for loan losses | (194) | (221)
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 0 | 0
Ending balance, Allowance | 1,924 | 3,010
Mortgage warehouse | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 0 |
Municipal |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 357 | 401
Provision for loan losses | (3) | (17)
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 0 | 0
Ending balance, Allowance | 354 | 384
Municipal | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 0 |
Premium finance |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 1,025 | 2,729
Provision for loan losses | (93) | (92)
Loans charged off | (1,421) | (1,369)
Recoveries of loans previously charged off | 1,382 | 1,247
Ending balance, Allowance | 893 | 2,515
Premium finance | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 0 |
Real estate – construction and development |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 32,659 | 22,045
Provision for loan losses | 10,119 | 4,568
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 100 | 218
Ending balance, Allowance | 42,841 | 26,831
Real estate – construction and development | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | (37) |
Real estate – commercial and farmland |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 67,433 | 77,831
Provision for loan losses | 20,369 | (9,552)
Loans charged off | 0 | (1,283)
Recoveries of loans previously charged off | 44 | 37
Ending balance, Allowance | 87,124 | 67,033
Real estate – commercial and farmland | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | (722) |
Real estate – residential |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 57,043 | 27,943
Provision for loan losses | 2,996 | 1,866
Loans charged off | (128) | 0
Recoveries of loans previously charged off | 190 | 151
Ending balance, Allowance | 59,254 | $ 29,960
Real estate – residential | Cumulative effect of change in accounting principle for ASU 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | $ (847) |

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
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- Definition Amount of increase in allowance for credit loss on financing receivable from recovery. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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