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v3.23.3

Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
Receivables [Abstract] |
Schedule of 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 September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Charge-offs | (2,252) |  |  | — |  |  | (130) |  |  | — |  |  | (641) |  |  | (607) |  |  | (3,630) |
Recoveries | 690 |  |  | 48 |  |  | 181 |  |  | 208 |  |  | 2 |  |  | 568 |  |  | 1,697 |
Net (charge-offs) recoveries | (1,562) |  |  | 48 |  |  | 51 |  |  | 208 |  |  | (639) |  |  | (39) |  |  | (1,933) |
Provision for (recovery of) credit losses on loans | 4,696 |  |  | 483 |  |  | (686) |  |  | (642) |  |  | 1,514 |  |  | (50) |  |  | 5,315 |
Ending balance | $ | 44,444 |  |  | $ | 19,656 |  |  | $ | 45,799 |  |  | $ | 75,233 |  |  | $ | 3,355 |  |  | $ | 9,286 |  |  | $ | 197,773 |
Nine Months Ended September 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 | (7,720) |  |  | (57) |  |  | (345) |  |  | (5,512) |  |  | (641) |  |  | (1,997) |  |  | (16,272) |
Recoveries | 2,689 |  |  | 48 |  |  | 375 |  |  | 697 |  |  | 13 |  |  | 1,884 |  |  | 5,706 |
Net (charge-offs) recoveries | (5,031) |  |  | (9) |  |  | 30 |  |  | (4,815) |  |  | (628) |  |  | (113) |  |  | (10,566) |
Provision for (recovery of) credit losses on loans | 5,246 |  |  | 551 |  |  | 1,042 |  |  | 8,250 |  |  | 1,520 |  |  | (334) |  |  | 16,275 |
Ending balance | $ | 44,444 |  |  | $ | 19,656 |  |  | $ | 45,799 |  |  | $ | 75,233 |  |  | $ | 3,355 |  |  | $ | 9,286 |  |  | $ | 197,773 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 11,194 |  |  | $ | — |  |  | $ | 77 |  |  | $ | 1,260 |  |  | $ | 856 |  |  | $ | 270 |  |  | $ | 13,657 |
Collectively evaluated | 33,250 |  |  | 19,656 |  |  | 45,722 |  |  | 73,973 |  |  | 2,499 |  |  | 9,016 |  |  | 184,116 |
Ending balance | $ | 44,444 |  |  | $ | 19,656 |  |  | $ | 45,799 |  |  | $ | 75,233 |  |  | $ | 3,355 |  |  | $ | 9,286 |  |  | $ | 197,773 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 20,996 |  |  | $ | — |  |  | $ | 13,007 |  |  | $ | 18,403 |  |  | $ | 1,047 |  |  | $ | 270 |  |  | $ | 53,723 |
Collectively evaluated | 1,798,895 |  |  | 1,407,364 |  |  | 3,385,869 |  |  | 5,294,763 |  |  | 119,677 |  |  | 107,732 |  |  | 12,114,300 |
Ending balance | $ | 1,819,891 |  |  | $ | 1,407,364 |  |  | $ | 3,398,876 |  |  | $ | 5,313,166 |  |  | $ | 120,724 |  |  | $ | 108,002 |  |  | $ | 12,168,023 |
Nonaccruing loans with no allowance for credit losses | $ | 1,987 |  |  | $ | — |  |  | $ | 11,441 |  |  | $ | 11,226 |  |  | $ | 191 |  |  | $ | — |  |  | $ | 24,845 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 30,193 |  |  | $ | 17,290 |  |  | $ | 41,910 |  |  | $ | 64,373 |  |  | $ | 1,802 |  |  | $ | 10,563 |  |  | $ | 166,131 |
Charge-offs | (373) |  |  | — |  |  | (208) |  |  | (1,956) |  |  | — |  |  | (722) |  |  | (3,259) |
Recoveries | 415 |  |  | — |  |  | 378 |  |  | 50 |  |  | 113 |  |  | 728 |  |  | 1,684 |
Net (charge-offs) recoveries | 42 |  |  | — |  |  | 170 |  |  | (1,906) |  |  | 113 |  |  | 6 |  |  | (1,575) |
Provision for (recovery of) credit losses on loans | 268 |  |  | 1,454 |  |  | 1,452 |  |  | 6,800 |  |  | 399 |  |  | (573) |  |  | 9,800 |
Ending balance | $ | 30,503 |  |  | $ | 18,744 |  |  | $ | 43,532 |  |  | $ | 69,267 |  |  | $ | 2,314 |  |  | $ | 9,996 |  |  | $ | 174,356 |
Nine Months Ended September 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 | (4,714) |  |  | — |  |  | (532) |  |  | (2,670) |  |  | (7) |  |  | (2,351) |  |  | (10,274) |
Recoveries | 1,982 |  |  | — |  |  | 725 |  |  | 397 |  |  | 136 |  |  | 2,271 |  |  | 5,511 |
Net (charge-offs) recoveries | (2,732) |  |  | — |  |  | 193 |  |  | (2,273) |  |  | 129 |  |  | (80) |  |  | (4,763) |
Provision for (recovery of) credit losses on loans | (2,335) |  |  | 2,325 |  |  | 10,983 |  |  | 2,600 |  |  | 699 |  |  | (972) |  |  | 13,300 |
Ending balance | $ | 30,503 |  |  | $ | 18,744 |  |  | $ | 43,532 |  |  | $ | 69,267 |  |  | $ | 2,314 |  |  | $ | 9,996 |  |  | $ | 174,356 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 4,064 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,649 |  |  | $ | — |  |  | $ | 370 |  |  | $ | 7,083 |
Collectively evaluated | 26,439 |  |  | 18,744 |  |  | 43,532 |  |  | 66,618 |  |  | 2,314 |  |  | 9,626 |  |  | 167,273 |
Ending balance | $ | 30,503 |  |  | $ | 18,744 |  |  | $ | 43,532 |  |  | $ | 69,267 |  |  | $ | 2,314 |  |  | $ | 9,996 |  |  | $ | 174,356 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 9,088 |  |  | $ | 153 |  |  | $ | 5,965 |  |  | $ | 19,043 |  |  | $ | — |  |  | $ | 370 |  |  | $ | 34,619 |
Collectively evaluated | 1,504,003 |  |  | 1,214,903 |  |  | 3,121,924 |  |  | 4,997,622 |  |  | 103,357 |  |  | 128,576 |  |  | 11,070,385 |
Ending balance | $ | 1,513,091 |  |  | $ | 1,215,056 |  |  | $ | 3,127,889 |  |  | $ | 5,016,665 |  |  | $ | 103,357 |  |  | $ | 128,946 |  |  | $ | 11,105,004 |
Nonaccruing loans with no allowance for credit losses | $ | 429 |  |  | $ | 153 |  |  | $ | 5,809 |  |  | $ | 4,633 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 11,026 |
Schedule of Unfunded Loan Commitments, Allowance for Credit Losses | The following tables provide a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
Three Months Ended September 30, | 2023 | 2022
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 17,618 |  | $ | 19,935 |
Recovery of credit losses on unfunded loan commitments (included in other noninterest expense) | (700) |  | — |
Ending balance | $ | 16,918 |  | $ | 19,935 |
Nine Months Ended September 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) | (3,200) |  | (100) |
Ending balance | $ | 16,918 |  | $ | 19,935 |

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