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Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ 201,052 | $ 195,292 | $ 198,578 | $ 192,090 | $ 192,090
Charge-offs | (6,372) | (6,185) | (7,282) | (12,642) | (19,040)
Recoveries | 891 | 2,284 | 1,637 | 4,009 |
Net (charge-offs) recoveries | (5,481) | (3,901) | (5,645) | (8,633) |
Provision for (recovery of) credit losses on loans | 4,300 | 3,000 | 6,938 | 10,960 |
Ending balance | 199,871 | 194,391 | 199,871 | 194,391 | 198,578
Individually evaluated | 10,004 | 13,015 | 10,004 | 13,015 |
Collectively evaluated | 189,867 | 181,376 | 189,867 | 181,376 |
Loans: |  |  |  |  |
Individually evaluated | 54,002 | 75,472 | 54,002 | 75,472 |
Collectively evaluated | 12,550,753 | 11,855,044 | 12,550,753 | 11,855,044 |
Loans, net of unearned income | 12,604,755 | 11,930,516 | 12,604,755 | 11,930,516 | 12,351,230
Nonaccruing loans with no allowance for credit losses | 27,188 | 16,506 | 27,188 | 16,506 |
Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 45,921 | 44,678 | 43,980 | 44,255 | 44,255
Charge-offs | (186) | (4,939) | (535) | (5,468) | (8,838)
Recoveries | 525 | 1,274 | 871 | 1,999 |
Net (charge-offs) recoveries | 339 | (3,665) | 336 | (3,469) |
Provision for (recovery of) credit losses on loans | (1,309) | 297 | 635 | 550 |
Ending balance | 44,951 | 41,310 | 44,951 | 41,310 | 43,980
Individually evaluated | 8,514 | 10,773 | 8,514 | 10,773 |
Collectively evaluated | 36,437 | 30,537 | 36,437 | 30,537 |
Loans: |  |  |  |  |
Individually evaluated | 14,211 | 21,418 | 14,211 | 21,418 |
Collectively evaluated | 1,833,551 | 1,707,652 | 1,833,551 | 1,707,652 |
Loans, net of unearned income | 1,847,762 | 1,729,070 | 1,847,762 | 1,729,070 |
Nonaccruing loans with no allowance for credit losses | 230 | 2,021 | 230 | 2,021 |
Real estate – construction: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 17,317 | 19,959 | 18,612 | 19,114 | 19,114
Charge-offs | 0 | (57) |  | (57) |
Recoveries | 0 | 0 |  | 0 |
Net (charge-offs) recoveries | 0 | (57) | 0 | (57) |
Provision for (recovery of) credit losses on loans | 1,579 | (777) | 284 | 68 |
Ending balance | 18,896 | 19,125 | 18,896 | 19,125 | 18,612
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 18,896 | 19,125 | 18,896 | 19,125 |
Loans: |  |  |  |  |
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 1,355,425 | 1,369,019 | 1,355,425 | 1,369,019 |
Loans, net of unearned income | 1,355,425 | 1,369,019 | 1,355,425 | 1,369,019 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 | 0 | 0 |
Real estate – 1-4 family mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 47,566 | 45,981 | 47,283 | 44,727 | 44,727
Charge-offs | (208) | (212) | (290) | (215) | (417)
Recoveries | 25 | 170 | 73 | 194 |
Net (charge-offs) recoveries | (183) | (42) | (217) | (21) |
Provision for (recovery of) credit losses on loans | 38 | 495 | 355 | 1,728 |
Ending balance | 47,421 | 46,434 | 47,421 | 46,434 | 47,283
Individually evaluated | 0 | 703 | 0 | 703 |
Collectively evaluated | 47,421 | 45,731 | 47,421 | 45,731 |
Loans: |  |  |  |  |
Individually evaluated | 6,942 | 13,545 | 6,942 | 13,545 |
Collectively evaluated | 3,428,876 | 3,335,109 | 3,428,876 | 3,335,109 |
Loans, net of unearned income | 3,435,818 | 3,348,654 | 3,435,818 | 3,348,654 |
Nonaccruing loans with no allowance for credit losses | 6,318 | 10,516 | 6,318 | 10,516 |
Real estate – commercial mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 78,725 | 72,770 | 77,020 | 71,798 | 71,798
Charge-offs | (5,727) | (397) | (5,727) | (5,512) | (5,568)
Recoveries | 99 | 278 | 105 | 489 |
Net (charge-offs) recoveries | (5,628) | (119) | (5,622) | (5,023) |
Provision for (recovery of) credit losses on loans | 4,028 | 3,016 | 5,727 | 8,892 |
Ending balance | 77,125 | 75,667 | 77,125 | 75,667 | 77,020
Individually evaluated | 1,220 | 1,269 | 1,220 | 1,269 |
Collectively evaluated | 75,905 | 74,398 | 75,905 | 74,398 |
Loans: |  |  |  |  |
Individually evaluated | 32,579 | 40,239 | 32,579 | 40,239 |
Collectively evaluated | 5,733,899 | 5,212,240 | 5,733,899 | 5,212,240 |
Loans, net of unearned income | 5,766,478 | 5,252,479 | 5,766,478 | 5,252,479 |
Nonaccruing loans with no allowance for credit losses | 20,640 | 3,969 | 20,640 | 3,969 |
Lease financing |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 2,554 | 2,437 | 2,515 | 2,463 | 2,463
Charge-offs | 0 | 0 |  | 0 | (1,524)
Recoveries | 10 | 6 | 18 | 11 |
Net (charge-offs) recoveries | 10 | 6 | 18 | 11 |
Provision for (recovery of) credit losses on loans | (49) | 37 | (18) | 6 |
Ending balance | 2,515 | 2,480 | 2,515 | 2,480 | 2,515
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 2,515 | 2,480 | 2,515 | 2,480 |
Loans: |  |  |  |  |
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 102,996 | 122,370 | 102,996 | 122,370 |
Loans, net of unearned income | 102,996 | 122,370 | 102,996 | 122,370 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 | 0 | 0 |
Installment Loans to Individuals |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 8,969 | 9,467 | 9,168 | 9,733 | 9,733
Charge-offs | (251) | (580) | (730) | (1,390) | (2,636)
Recoveries | 232 | 556 | 570 | 1,316 |
Net (charge-offs) recoveries | (19) | (24) | (160) | (74) |
Provision for (recovery of) credit losses on loans | 13 | (68) | (45) | (284) |
Ending balance | 8,963 | 9,375 | 8,963 | 9,375 | 9,168
Individually evaluated | 270 | 270 | 270 | 270 |
Collectively evaluated | 8,693 | 9,105 | 8,693 | 9,105 |
Loans: |  |  |  |  |
Individually evaluated | 270 | 270 | 270 | 270 |
Collectively evaluated | 96,006 | 108,654 | 96,006 | 108,654 |
Loans, net of unearned income | 96,276 | 108,924 | 96,276 | 108,924 |
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) | (26)
Cumulative Effect, Period Of Adoption, Adjustment | Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance |  |  |  | (26) | (26)
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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