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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2024 | Mar. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | $ 307,100 | $ 205,677
Provision for loan losses | 25,523 | 49,376
Loans charged off | (18,457) | (14,956)
Recoveries of loans previously charged off | 5,857 | 4,272
Ending balance, Allowance | 320,023 | 242,658
Accounting Standards Update 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 | 64,053 | 39,455
Provision for loan losses | 12,147 | 16,078
Loans charged off | (15,295) | (12,233)
Recoveries of loans previously charged off | 2,899 | 2,043
Ending balance, Allowance | 63,804 | 45,238
Commercial, financial and agricultural | Accounting Standards Update 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 | 3,902 | 5,413
Provision for loan losses | 900 | 323
Loans charged off | (1,091) | (1,140)
Recoveries of loans previously charged off | 192 | 297
Ending balance, Allowance | 3,903 | 4,893
Consumer | Accounting Standards Update 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 | 50 | 174
Provision for loan losses | (134) | (219)
Loans charged off | (65) | (34)
Recoveries of loans previously charged off | 185 | 216
Ending balance, Allowance | 36 | 137
Indirect automobile | Accounting Standards Update 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 | 1,678 | 2,118
Provision for loan losses | 145 | (194)
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 0 | 0
Ending balance, Allowance | 1,823 | 1,924
Municipal |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance | 345 | 357
Provision for loan losses | (282) | (3)
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 0 | 0
Ending balance, Allowance | 63 | 354
Municipal | Accounting Standards Update 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 | 602 | 1,025
Provision for loan losses | (431) | (93)
Loans charged off | (2,006) | (1,421)
Recoveries of loans previously charged off | 2,451 | 1,382
Ending balance, Allowance | 616 | 893
Premium finance | Accounting Standards Update 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 | 61,017 | 32,659
Provision for loan losses | 11,148 | 10,119
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 3 | 100
Ending balance, Allowance | 72,168 | 42,841
Real estate – construction and development | Accounting Standards Update 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 | 110,097 | 67,433
Provision for loan losses | 474 | 20,369
Loans charged off | 0 | 0
Recoveries of loans previously charged off | 85 | 44
Ending balance, Allowance | 110,656 | 87,124
Real estate – commercial and farmland | Accounting Standards Update 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 | 65,356 | 57,043
Provision for loan losses | 1,556 | 2,996
Loans charged off | 0 | (128)
Recoveries of loans previously charged off | 42 | 190
Ending balance, Allowance | $ 66,954 | 59,254
Real estate – residential | Accounting Standards Update 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance |  | (847)
Mortgage Ware house Portfolio Segment | Accounting Standards Update 2022-02 |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning balance, Allowance |  | $ 0

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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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