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v3.23.2

Allowance for Credit Losses - Roll Forward Of the 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 | Dec. 31, 2022
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ 195,292 | $ 166,468 | $ 192,090 | $ 164,171 |
Charge-offs | (6,185) | (3,958) | (12,642) | (7,015) |
Recoveries | 2,284 | 1,621 | 4,009 | 3,827 |
Net (charge-offs) recoveries | (3,901) | (2,337) | (8,633) | (3,188) |
Provision for (recovery of) credit losses on loans | 3,000 | 2,000 | 10,960 | 3,500 |
Ending balance | 194,391 | 166,131 | 194,391 | 166,131 |
Individually evaluated | 13,015 | 6,896 | 13,015 | 6,896 |
Collectively evaluated | 181,376 | 159,235 | 181,376 | 159,235 |
Loans: |  |  |  |  |
Individually evaluated | 75,472 | 25,947 | 75,472 | 25,947 |
Collectively evaluated | 11,855,044 | 10,577,797 | 11,855,044 | 10,577,797 |
Loans, net of unearned income | 11,930,516 | 10,603,744 | 11,930,516 | 10,603,744 | $ 11,578,304
Nonaccruing loans with no allowance for credit losses | 16,506 | 7,935 | 16,506 | 7,935 |
Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 44,678 | 33,606 | 44,255 | 33,922 |
Charge-offs | (4,939) | (2,239) | (5,468) | (4,341) |
Recoveries | 1,274 | 431 | 1,999 | 1,567 |
Net (charge-offs) recoveries | (3,665) | (1,808) | (3,469) | (2,774) |
Provision for (recovery of) credit losses on loans | 297 | (1,605) | 550 | (2,603) |
Ending balance | 41,310 | 30,193 | 41,310 | 30,193 |
Individually evaluated | 10,773 | 4,567 | 10,773 | 4,567 |
Collectively evaluated | 30,537 | 25,626 | 30,537 | 25,626 |
Loans: |  |  |  |  |
Individually evaluated | 21,418 | 9,534 | 21,418 | 9,534 |
Collectively evaluated | 1,707,652 | 1,487,738 | 1,707,652 | 1,487,738 |
Loans, net of unearned income | 1,729,070 | 1,497,272 | 1,729,070 | 1,497,272 |
Nonaccruing loans with no allowance for credit losses | 2,021 | 849 | 2,021 | 849 |
Real estate – construction: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 19,959 | 18,411 | 19,114 | 16,419 |
Charge-offs | (57) | 0 | (57) | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Net (charge-offs) recoveries | (57) | 0 | (57) | 0 |
Provision for (recovery of) credit losses on loans | (777) | (1,121) | 68 | 871 |
Ending balance | 19,125 | 17,290 | 19,125 | 17,290 |
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 19,125 | 17,290 | 19,125 | 17,290 |
Loans: |  |  |  |  |
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 1,369,019 | 1,126,363 | 1,369,019 | 1,126,363 |
Loans, net of unearned income | 1,369,019 | 1,126,363 | 1,369,019 | 1,126,363 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 | 0 | 0 |
Real estate – 1-4 family mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 45,981 | 36,848 | 44,727 | 32,356 |
Charge-offs | (212) | (161) | (215) | (324) |
Recoveries | 170 | 169 | 194 | 347 |
Net (charge-offs) recoveries | (42) | 8 | (21) | 23 |
Provision for (recovery of) credit losses on loans | 495 | 5,054 | 1,728 | 9,531 |
Ending balance | 46,434 | 41,910 | 46,434 | 41,910 |
Individually evaluated | 703 | 85 | 703 | 85 |
Collectively evaluated | 45,731 | 41,825 | 45,731 | 41,825 |
Loans: |  |  |  |  |
Individually evaluated | 13,545 | 4,127 | 13,545 | 4,127 |
Collectively evaluated | 3,335,109 | 3,025,956 | 3,335,109 | 3,025,956 |
Loans, net of unearned income | 3,348,654 | 3,030,083 | 3,348,654 | 3,030,083 |
Nonaccruing loans with no allowance for credit losses | 10,516 | 3,594 | 10,516 | 3,594 |
Real estate – commercial mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 72,770 | 65,231 | 71,798 | 68,940 |
Charge-offs | (397) | (708) | (5,512) | (714) |
Recoveries | 278 | 192 | 489 | 347 |
Net (charge-offs) recoveries | (119) | (516) | (5,023) | (367) |
Provision for (recovery of) credit losses on loans | 3,016 | (342) | 8,892 | (4,200) |
Ending balance | 75,667 | 64,373 | 75,667 | 64,373 |
Individually evaluated | 1,269 | 1,674 | 1,269 | 1,674 |
Collectively evaluated | 74,398 | 62,699 | 74,398 | 62,699 |
Loans: |  |  |  |  |
Individually evaluated | 40,239 | 11,716 | 40,239 | 11,716 |
Collectively evaluated | 5,212,240 | 4,705,797 | 5,212,240 | 4,705,797 |
Loans, net of unearned income | 5,252,479 | 4,717,513 | 5,252,479 | 4,717,513 |
Nonaccruing loans with no allowance for credit losses | 3,969 | 3,492 | 3,969 | 3,492 |
Lease financing |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 2,437 | 1,582 | 2,463 | 1,486 |
Charge-offs | 0 | 0 | 0 | (7) |
Recoveries | 6 | 11 | 11 | 23 |
Net (charge-offs) recoveries | 6 | 11 | 11 | 16 |
Provision for (recovery of) credit losses on loans | 37 | 209 | 6 | 300 |
Ending balance | 2,480 | 1,802 | 2,480 | 1,802 |
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 2,480 | 1,802 | 2,480 | 1,802 |
Loans: |  |  |  |  |
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 122,370 | 101,350 | 122,370 | 101,350 |
Loans, net of unearned income | 122,370 | 101,350 | 122,370 | 101,350 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 | 0 | 0 |
Installment Loans to Individuals |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 9,467 | 10,790 | 9,733 | 11,048 |
Charge-offs | (580) | (850) | (1,390) | (1,629) |
Recoveries | 556 | 818 | 1,316 | 1,543 |
Net (charge-offs) recoveries | (24) | (32) | (74) | (86) |
Provision for (recovery of) credit losses on loans | (68) | (195) | (284) | (399) |
Ending balance | 9,375 | 10,563 | 9,375 | 10,563 |
Individually evaluated | 270 | 570 | 270 | 570 |
Collectively evaluated | 9,105 | 9,993 | 9,105 | 9,993 |
Loans: |  |  |  |  |
Individually evaluated | 270 | 570 | 270 | 570 |
Collectively evaluated | 108,654 | 130,593 | 108,654 | 130,593 |
Loans, net of unearned income | 108,924 | 131,163 | 108,924 | 131,163 |
Nonaccruing loans with no allowance for credit losses | $ 0 | $ 0 | 0 | 0 |
Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | (26) | 1,648 |
Cumulative Effect, Period Of Adoption, Adjustment | Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | (26) | 1,648 |
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – construction: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | 0 | 0 |
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – 1-4 family mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | 0 | 0 |
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – commercial mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | 0 | 0 |
Cumulative Effect, Period Of Adoption, Adjustment | Lease financing |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | 0 | 0 |
Cumulative Effect, Period Of Adoption, Adjustment | Installment Loans to Individuals |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  | $ 0 | $ 0 |

X
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