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v3.22.4

Allowance for Credit Losses - Changes in the Allowance for Credit Loss (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Allowance for credit losses on loans: |  |  |
Beginning balance | $ 164,171 | $ 176,144 |
Charge-offs | (14,185) | (18,874) |
Recoveries | 6,856 | 8,601 |
Net charge-offs | (7,329) | (10,273) |
Provision (recoveries) of credit losses on loans | 23,788 | (1,700) | $ 85,350
Ending balance | 192,090 | 164,171 | 176,144
Individually evaluated | 6,442 | 12,463 |
Collectively evaluated | 185,648 | 151,708 |
Loans: |  |  |
Individually evaluated | 29,450 | 33,449 |
Collectively evaluated | 11,548,854 | 9,987,465 |
Loans held for investment, net of unearned income | 11,578,304 | 10,020,914 |
Nonaccruing loans with no allowance for credit losses | $ 10,899 | 8,018 |
Supportable period | 2 years |  |
Commercial |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | $ 33,922 | 39,031 |
Charge-offs | (5,120) | (7,087) |
Recoveries | 2,471 | 1,470 |
Net charge-offs | (2,649) | (5,617) |
Provision (recoveries) of credit losses on loans | 1,522 | 508 |
Ending balance | 44,255 | 33,922 | 39,031
Individually evaluated | 4,397 | 9,239 |
Collectively evaluated | 39,858 | 24,683 |
Loans: |  |  |
Individually evaluated | 8,536 | 12,776 |
Collectively evaluated | 1,665,347 | 1,410,494 |
Loans held for investment, net of unearned income | 1,673,883 | 1,423,270 |
Nonaccruing loans with no allowance for credit losses | 464 | 397 |
Real Estate - Construction |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 16,419 | 16,047 |
Charge-offs | 0 | (52) |
Recoveries | 0 | 13 |
Net charge-offs | 0 | (39) |
Provision (recoveries) of credit losses on loans | 2,695 | 411 |
Ending balance | 19,114 | 16,419 | 16,047
Individually evaluated | 0 | 0 |
Collectively evaluated | 19,114 | 16,419 |
Loans: |  |  |
Individually evaluated | 489 | 0 |
Collectively evaluated | 1,329,848 | 1,104,896 |
Loans held for investment, net of unearned income | 1,330,337 | 1,104,896 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 |
Real Estate - 1-4 Family Mortgage |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 32,356 | 32,165 |
Charge-offs | (757) | (1,164) |
Recoveries | 821 | 1,498 |
Net charge-offs | 64 | 334 |
Provision (recoveries) of credit losses on loans | 12,307 | (143) |
Ending balance | 44,727 | 32,356 | 32,165
Individually evaluated | 46 | 216 |
Collectively evaluated | 44,681 | 32,140 |
Loans: |  |  |
Individually evaluated | 9,202 | 5,360 |
Collectively evaluated | 3,207,061 | 2,718,886 |
Loans held for investment, net of unearned income | 3,216,263 | 2,724,246 |
Nonaccruing loans with no allowance for credit losses | 7,278 | 2,329 |
Real estate – commercial mortgage: |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 68,940 | 76,127 |
Charge-offs | (5,134) | (5,184) |
Recoveries | 418 | 541 |
Net charge-offs | (4,716) | (4,643) |
Provision (recoveries) of credit losses on loans | 7,574 | (2,544) |
Ending balance | 71,798 | 68,940 | 76,127
Individually evaluated | 1,729 | 2,401 |
Collectively evaluated | 70,069 | 66,539 |
Loans: |  |  |
Individually evaluated | 10,953 | 14,623 |
Collectively evaluated | 5,107,110 | 4,534,414 |
Loans held for investment, net of unearned income | 5,118,063 | 4,549,037 |
Nonaccruing loans with no allowance for credit losses | 3,157 | 5,270 |
Lease financing |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 1,486 | 1,624 |
Charge-offs | (7) | (13) |
Recoveries | 146 | 49 |
Net charge-offs | 139 | 36 |
Provision (recoveries) of credit losses on loans | 838 | (174) |
Ending balance | 2,463 | 1,486 | 1,624
Individually evaluated | 0 | 0 |
Collectively evaluated | 2,463 | 1,486 |
Loans: |  |  |
Individually evaluated | 0 | 0 |
Collectively evaluated | 115,013 | 76,125 |
Loans held for investment, net of unearned income | 115,013 | 76,125 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 |
Installment loans to individuals |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 11,048 | 11,150 |
Charge-offs | (3,167) | (5,374) |
Recoveries | 3,000 | 5,030 |
Net charge-offs | (167) | (344) |
Provision (recoveries) of credit losses on loans | (1,148) | 242 |
Ending balance | 9,733 | 11,048 | $ 11,150
Individually evaluated | 270 | 607 |
Collectively evaluated | 9,463 | 10,441 |
Loans: |  |  |
Individually evaluated | 270 | 690 |
Collectively evaluated | 124,475 | 142,650 |
Loans held for investment, net of unearned income | 124,745 | 143,340 |
Nonaccruing loans with no allowance for credit losses | 0 | 22 |
Impact of the adoption of ASC 326 |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 11,460 |  |
Ending balance |  | 11,460 |
Impact of the adoption of ASC 326 | Commercial |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 11,460 |  |
Ending balance |  | 11,460 |
Impact of the adoption of ASC 326 | Real Estate - Construction |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 |  |
Ending balance |  | 0 |
Impact of the adoption of ASC 326 | Real Estate - 1-4 Family Mortgage |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 |  |
Ending balance |  | 0 |
Impact of the adoption of ASC 326 | Real estate – commercial mortgage: |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 |  |
Ending balance |  | 0 |
Impact of the adoption of ASC 326 | Lease financing |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | 0 |  |
Ending balance |  | 0 |
Impact of the adoption of ASC 326 | Installment loans to individuals |  |  |
Allowance for credit losses on loans: |  |  |
Beginning balance | $ 0 |  |
Ending balance |  | $ 0 |

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