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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | $ 242,658 | $ 161,251 | $ 205,677 | $ 167,582
Provision for loan losses | 43,643 | 13,227 | 93,019 | 10,493
Loans charged off | (20,670) | (6,853) | (35,626) | (15,432)
Recoveries of loans previously charged off | 6,440 | 5,017 | 10,712 | 9,999
Ending balance, Allowance | 272,071 | 172,642 | 272,071 | 172,642
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 | 45,238 | 25,526 | 39,455 | 26,829
Provision for loan losses | 15,322 | 1,738 | 31,400 | 1,953
Loans charged off | (13,316) | (4,391) | (25,549) | (8,805)
Recoveries of loans previously charged off | 3,545 | 2,785 | 5,588 | 5,681
Ending balance, Allowance | 50,789 | 25,658 | 50,789 | 25,658
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 | 4,893 | 5,619 | 5,413 | 6,097
Provision for loan losses | 1,513 | 557 | 1,836 | 1,346
Loans charged off | (2,052) | (1,137) | (3,192) | (2,562)
Recoveries of loans previously charged off | 194 | 230 | 491 | 388
Ending balance, Allowance | 4,548 | 5,269 | 4,548 | 5,269
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 | 137 | 373 | 174 | 476
Provision for loan losses | (199) | (306) | (418) | (596)
Loans charged off | (65) | (41) | (99) | (129)
Recoveries of loans previously charged off | 225 | 265 | 441 | 540
Ending balance, Allowance | 98 | 291 | 98 | 291
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 | 1,924 | 3,010 | 2,118 | 3,231
Provision for loan losses | 411 | 875 | 217 | 654
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 0 | 0 | 0 | 0
Ending balance, Allowance | 2,335 | 3,885 | 2,335 | 3,885
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 | 354 | 384 | 357 | 401
Provision for loan losses | 3 | (13) | 0 | (30)
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 0 | 0 | 0 | 0
Ending balance, Allowance | 357 | 371 | 357 | 371
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 | 893 | 2,515 | 1,025 | 2,729
Provision for loan losses | 51 | 200 | (42) | 108
Loans charged off | (1,848) | (1,066) | (3,269) | (2,435)
Recoveries of loans previously charged off | 1,680 | 1,113 | 3,062 | 2,360
Ending balance, Allowance | 776 | 2,762 | 776 | 2,762
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 | 42,841 | 26,831 | 32,659 | 22,045
Provision for loan losses | 11,276 | (3,954) | 21,395 | 614
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 472 | 355 | 572 | 573
Ending balance, Allowance | 54,589 | 23,232 | 54,589 | 23,232
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 | 87,124 | 67,033 | 67,433 | 77,831
Provision for loan losses | 12,275 | (7,647) | 32,644 | (17,199)
Loans charged off | (3,320) | (81) | (3,320) | (1,364)
Recoveries of loans previously charged off | 61 | 44 | 105 | 81
Ending balance, Allowance | 96,140 | 59,349 | 96,140 | 59,349
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 | 59,254 | 29,960 | 57,043 | 27,943
Provision for loan losses | 2,991 | 21,777 | 5,987 | 23,643
Loans charged off | (69) | (137) | (197) | (137)
Recoveries of loans previously charged off | 263 | 225 | 453 | 376
Ending balance, Allowance | $ 62,439 | $ 51,825 | 62,439 | $ 51,825
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) |

X
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