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Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2024
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 March 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 43,980 |  |  | $ | 18,612 |  |  | $ | 47,283 |  |  | $ | 77,020 |  |  | $ | 2,515 |  |  | $ | 9,168 |  |  | $ | 198,578 |
Charge-offs | (349) |  |  | — |  |  | (82) |  |  | — |  |  | — |  |  | (479) |  |  | (910) |
Recoveries | 346 |  |  | — |  |  | 48 |  |  | 6 |  |  | 8 |  |  | 338 |  |  | 746 |
Net (charge-offs) recoveries | (3) |  |  | — |  |  | (34) |  |  | 6 |  |  | 8 |  |  | (141) |  |  | (164) |
Provision for (recovery of) credit losses on loans | 1,944 |  |  | (1,295) |  |  | 317 |  |  | 1,699 |  |  | 31 |  |  | (58) |  |  | 2,638 |
Ending balance | $ | 45,921 |  |  | $ | 17,317 |  |  | $ | 47,566 |  |  | $ | 78,725 |  |  | $ | 2,554 |  |  | $ | 8,969 |  |  | $ | 201,052 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 9,104 |  |  | $ | — |  |  | $ | — |  |  | $ | 573 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 9,947 |
Collectively evaluated | 36,817 |  |  | 17,317 |  |  | 47,566 |  |  | 78,152 |  |  | 2,554 |  |  | 8,699 |  |  | 191,105 |
Ending balance | $ | 45,921 |  |  | $ | 17,317 |  |  | $ | 47,566 |  |  | $ | 78,725 |  |  | $ | 2,554 |  |  | $ | 8,969 |  |  | $ | 201,052 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 15,861 |  |  | $ | — |  |  | $ | 7,327 |  |  | $ | 13,033 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 36,491 |
Collectively evaluated | 1,853,547 |  |  | 1,243,535 |  |  | 3,421,959 |  |  | 5,740,197 |  |  | 107,474 |  |  | 97,322 |  |  | 12,464,034 |
Ending balance | $ | 1,869,408 |  |  | $ | 1,243,535 |  |  | $ | 3,429,286 |  |  | $ | 5,753,230 |  |  | $ | 107,474 |  |  | $ | 97,592 |  |  | $ | 12,500,525 |
Nonaccruing loans with no allowance for credit losses | $ | 157 |  |  | $ | — |  |  | $ | 7,328 |  |  | $ | 10,130 |  |  | $ | — |  |  | $ | — |  |  | $ | 17,615 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,255 |  |  | $ | 19,114 |  |  | $ | 44,727 |  |  | $ | 71,798 |  |  | $ | 2,463 |  |  | $ | 9,733 |  |  | $ | 192,090 |
Initial impact of PCD loans acquired | (26) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (26) |
Charge-offs | (529) |  |  | — |  |  | (3) |  |  | (5,115) |  |  | — |  |  | (810) |  |  | (6,457) |
Recoveries | 725 |  |  | — |  |  | 24 |  |  | 211 |  |  | 5 |  |  | 760 |  |  | 1,725 |
Net (charge-offs) recoveries | 196 |  |  | — |  |  | 21 |  |  | (4,904) |  |  | 5 |  |  | (50) |  |  | (4,732) |
Provision for (recovery of) credit losses on loans | 253 |  |  | 845 |  |  | 1,233 |  |  | 5,876 |  |  | (31) |  |  | (216) |  |  | 7,960 |
Ending balance | $ | 44,678 |  |  | $ | 19,959 |  |  | $ | 45,981 |  |  | $ | 72,770 |  |  | $ | 2,437 |  |  | $ | 9,467 |  |  | $ | 195,292 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 14,162 |  |  | $ | 35 |  |  | $ | 608 |  |  | $ | 1,734 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 16,809 |
Collectively evaluated | 30,516 |  |  | 19,924 |  |  | 45,373 |  |  | 71,036 |  |  | 2,437 |  |  | 9,197 |  |  | 178,483 |
Ending balance | $ | 44,678 |  |  | $ | 19,959 |  |  | $ | 45,981 |  |  | $ | 72,770 |  |  | $ | 2,437 |  |  | $ | 9,467 |  |  | $ | 195,292 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 24,985 |  |  | $ | 652 |  |  | $ | 12,637 |  |  | $ | 10,375 |  |  | $ | — |  |  | $ | 274 |  |  | $ | 48,923 |
Collectively evaluated | 1,715,793 |  |  | 1,423,700 |  |  | 3,266,343 |  |  | 5,075,438 |  |  | 121,146 |  |  | 115,082 |  |  | 11,717,502 |
Ending balance | $ | 1,740,778 |  |  | $ | 1,424,352 |  |  | $ | 3,278,980 |  |  | $ | 5,085,813 |  |  | $ | 121,146 |  |  | $ | 115,356 |  |  | $ | 11,766,425 |
Nonaccruing loans with no allowance for credit losses | $ | 768 |  |  | $ | — |  |  | $ | 9,710 |  |  | $ | 5,511 |  |  | $ | — |  |  | $ | 5 |  |  | $ | 15,994 |
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 March 31, | 2024 | 2023
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 16,918 |  | $ | 20,118 |
Recovery of credit losses on unfunded loan commitments | (200) |  | (1,500) |
Ending balance | $ | 16,718 |  | $ | 18,618 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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