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v3.23.2

Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2023
Receivables [Abstract] |
Roll forward of the allowance for loan losses | The following tables provide a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology for the periods presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,678 |  |  | $ | 19,959 |  |  | $ | 45,981 |  |  | $ | 72,770 |  |  | $ | 2,437 |  |  | $ | 9,467 |  |  | $ | 195,292 |
Charge-offs | (4,939) |  |  | (57) |  |  | (212) |  |  | (397) |  |  | — |  |  | (580) |  |  | (6,185) |
Recoveries | 1,274 |  |  | — |  |  | 170 |  |  | 278 |  |  | 6 |  |  | 556 |  |  | 2,284 |
Net (charge-offs) recoveries | (3,665) |  |  | (57) |  |  | (42) |  |  | (119) |  |  | 6 |  |  | (24) |  |  | (3,901) |
Provision for (recovery of) credit losses on loans | 297 |  |  | (777) |  |  | 495 |  |  | 3,016 |  |  | 37 |  |  | (68) |  |  | 3,000 |
Ending balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Six Months Ended June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,255 |  |  | $ | 19,114 |  |  | $ | 44,727 |  |  | $ | 71,798 |  |  | $ | 2,463 |  |  | $ | 9,733 |  |  | $ | 192,090 |
Initial impact of purchased credit deteriorated loans acquired during the period | (26) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (26) |
Charge-offs | (5,468) |  |  | (57) |  |  | (215) |  |  | (5,512) |  |  | — |  |  | (1,390) |  |  | (12,642) |
Recoveries | 1,999 |  |  | — |  |  | 194 |  |  | 489 |  |  | 11 |  |  | 1,316 |  |  | 4,009 |
Net (charge-offs) recoveries | (3,469) |  |  | (57) |  |  | (21) |  |  | (5,023) |  |  | 11 |  |  | (74) |  |  | (8,633) |
Provision for (recovery of) credit losses on loans | 550 |  |  | 68 |  |  | 1,728 |  |  | 8,892 |  |  | 6 |  |  | (284) |  |  | 10,960 |
Ending balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 10,773 |  |  | $ | — |  |  | $ | 703 |  |  | $ | 1,269 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 13,015 |
Collectively evaluated | 30,537 |  |  | 19,125 |  |  | 45,731 |  |  | 74,398 |  |  | 2,480 |  |  | 9,105 |  |  | 181,376 |
Ending balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 21,418 |  |  | $ | — |  |  | $ | 13,545 |  |  | $ | 40,239 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 75,472 |
Collectively evaluated | 1,707,652 |  |  | 1,369,019 |  |  | 3,335,109 |  |  | 5,212,240 |  |  | 122,370 |  |  | 108,654 |  |  | 11,855,044 |
Ending balance | $ | 1,729,070 |  |  | $ | 1,369,019 |  |  | $ | 3,348,654 |  |  | $ | 5,252,479 |  |  | $ | 122,370 |  |  | $ | 108,924 |  |  | $ | 11,930,516 |
Nonaccruing loans with no allowance for credit losses | $ | 2,021 |  |  | $ | — |  |  | $ | 10,516 |  |  | $ | 3,969 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,506 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 33,606 |  |  | $ | 18,411 |  |  | $ | 36,848 |  |  | $ | 65,231 |  |  | $ | 1,582 |  |  | $ | 10,790 |  |  | $ | 166,468 |
Charge-offs | (2,239) |  |  | — |  |  | (161) |  |  | (708) |  |  | — |  |  | (850) |  |  | (3,958) |
Recoveries | 431 |  |  | — |  |  | 169 |  |  | 192 |  |  | 11 |  |  | 818 |  |  | 1,621 |
Net (charge-offs) recoveries | (1,808) |  |  | — |  |  | 8 |  |  | (516) |  |  | 11 |  |  | (32) |  |  | (2,337) |
Provision for (recovery of) credit losses on loans | (1,605) |  |  | (1,121) |  |  | 5,054 |  |  | (342) |  |  | 209 |  |  | (195) |  |  | 2,000 |
Ending balance | $ | 30,193 |  |  | $ | 17,290 |  |  | $ | 41,910 |  |  | $ | 64,373 |  |  | $ | 1,802 |  |  | $ | 10,563 |  |  | $ | 166,131 |
Six Months Ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 33,922 |  |  | $ | 16,419 |  |  | $ | 32,356 |  |  | $ | 68,940 |  |  | $ | 1,486 |  |  | $ | 11,048 |  |  | $ | 164,171 |
Initial impact of purchased credit deteriorated loans acquired during the period | 1,648 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,648 |
Charge-offs | (4,341) |  |  | — |  |  | (324) |  |  | (714) |  |  | (7) |  |  | (1,629) |  |  | (7,015) |
Recoveries | 1,567 |  |  | — |  |  | 347 |  |  | 347 |  |  | 23 |  |  | 1,543 |  |  | 3,827 |
Net (charge-offs) recoveries | (2,774) |  |  | — |  |  | 23 |  |  | (367) |  |  | 16 |  |  | (86) |  |  | (3,188) |
Provision for (recovery of) credit losses on loans | (2,603) |  |  | 871 |  |  | 9,531 |  |  | (4,200) |  |  | 300 |  |  | (399) |  |  | 3,500 |
Ending balance | $ | 30,193 |  |  | $ | 17,290 |  |  | $ | 41,910 |  |  | $ | 64,373 |  |  | $ | 1,802 |  |  | $ | 10,563 |  |  | $ | 166,131 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 4,567 |  |  | $ | — |  |  | $ | 85 |  |  | $ | 1,674 |  |  | $ | — |  |  | $ | 570 |  |  | $ | 6,896 |
Collectively evaluated | 25,626 |  |  | 17,290 |  |  | 41,825 |  |  | 62,699 |  |  | 1,802 |  |  | 9,993 |  |  | 159,235 |
Ending balance | $ | 30,193 |  |  | $ | 17,290 |  |  | $ | 41,910 |  |  | $ | 64,373 |  |  | $ | 1,802 |  |  | $ | 10,563 |  |  | $ | 166,131 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 9,534 |  |  | $ | — |  |  | $ | 4,127 |  |  | $ | 11,716 |  |  | $ | — |  |  | $ | 570 |  |  | $ | 25,947 |
Collectively evaluated | 1,487,738 |  |  | 1,126,363 |  |  | 3,025,956 |  |  | 4,705,797 |  |  | 101,350 |  |  | 130,593 |  |  | 10,577,797 |
Ending balance | $ | 1,497,272 |  |  | $ | 1,126,363 |  |  | $ | 3,030,083 |  |  | $ | 4,717,513 |  |  | $ | 101,350 |  |  | $ | 131,163 |  |  | $ | 10,603,744 |
Nonaccruing loans with no allowance for credit losses | $ | 849 |  |  | $ | — |  |  | $ | 3,594 |  |  | $ | 3,492 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,935 |
Unfunded loan commitments, allowance for credit losses | The following table provides a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
Three Months Ended June 30, | 2023 | 2022
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 18,618 |  | $ | 19,485 |
(Recovery of) provision for credit losses on unfunded loan commitments (included in other noninterest expense) | (1,000) |  | 450 |
Ending balance | $ | 17,618 |  | $ | 19,935 |
Six Months Ended June 30, | 2023 | 2022
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 20,118 |  | $ | 20,035 |
Recovery of credit losses on unfunded loan commitments (included in other noninterest expense) | (2,500) |  | (100) |
Ending balance | $ | 17,618 |  | $ | 19,935 |

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