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Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ 199,871 | $ 194,391 | $ 198,578 | $ 192,090 | $ 192,090
Charge-offs | (1,904) | (3,630) | (9,186) | (16,272) | (19,040)
Recoveries | 1,201 | 1,697 | 2,838 | 5,706 |
Net (charge-offs) recoveries | (703) | (1,933) | (6,348) | (10,566) |
Provision for (recovery of) credit losses on loans | 1,210 | 5,315 | 8,148 | 16,275 |
Ending balance | 200,378 | 197,773 | 200,378 | 197,773 | 198,578
Individually evaluated | 13,953 | 13,657 | 13,953 | 13,657 |
Collectively evaluated | 186,425 | 184,116 | 186,425 | 184,116 |
Loans: |  |  |  |  |
Individually evaluated | 71,631 | 53,723 | 71,631 | 53,723 |
Collectively evaluated | 12,556,017 | 12,114,300 | 12,556,017 | 12,114,300 |
Loans, net of unearned income | 12,627,648 | 12,168,023 | 12,627,648 | 12,168,023 | 12,351,230
Nonaccruing loans with no allowance for credit losses | 32,620 | 24,845 | 32,620 | 24,845 |
Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 44,951 | 41,310 | 43,980 | 44,255 | 44,255
Charge-offs | (347) | (2,252) | (882) | (7,720) | (8,838)
Recoveries | 514 | 690 | 1,385 | 2,689 |
Net (charge-offs) recoveries | 167 | (1,562) | 503 | (5,031) |
Provision for (recovery of) credit losses on loans | (2,065) | 4,696 | (1,430) | 5,246 |
Ending balance | 43,053 | 44,444 | 43,053 | 44,444 | 43,980
Individually evaluated | 8,805 | 11,194 | 8,805 | 11,194 |
Collectively evaluated | 34,248 | 33,250 | 34,248 | 33,250 |
Loans: |  |  |  |  |
Individually evaluated | 15,370 | 20,996 | 15,370 | 20,996 |
Collectively evaluated | 1,789,591 | 1,798,895 | 1,789,591 | 1,798,895 |
Loans, net of unearned income | 1,804,961 | 1,819,891 | 1,804,961 | 1,819,891 |
Nonaccruing loans with no allowance for credit losses | 122 | 1,987 | 122 | 1,987 |
Real estate – construction: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 18,896 | 19,125 | 18,612 | 19,114 | 19,114
Charge-offs | 0 | 0 |  | (57) |
Recoveries | 0 | 48 |  | 48 |
Net (charge-offs) recoveries | 0 | 48 | 0 | (9) |
Provision for (recovery of) credit losses on loans | (2,240) | 483 | (1,956) | 551 |
Ending balance | 16,656 | 19,656 | 16,656 | 19,656 | 18,612
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 16,656 | 19,656 | 16,656 | 19,656 |
Loans: |  |  |  |  |
Individually evaluated | 241 | 0 | 241 | 0 |
Collectively evaluated | 1,198,597 | 1,407,364 | 1,198,597 | 1,407,364 |
Loans, net of unearned income | 1,198,838 | 1,407,364 | 1,198,838 | 1,407,364 |
Nonaccruing loans with no allowance for credit losses | 0 | 0 | 0 | 0 |
Real estate – 1-4 family mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 47,421 | 46,434 | 47,283 | 44,727 | 44,727
Charge-offs | (256) | (130) | (546) | (345) | (417)
Recoveries | 57 | 181 | 130 | 375 |
Net (charge-offs) recoveries | (199) | 51 | (416) | 30 |
Provision for (recovery of) credit losses on loans | (3) | (686) | 352 | 1,042 |
Ending balance | 47,219 | 45,799 | 47,219 | 45,799 | 47,283
Individually evaluated | 0 | 77 | 0 | 77 |
Collectively evaluated | 47,219 | 45,722 | 47,219 | 45,722 |
Loans: |  |  |  |  |
Individually evaluated | 7,815 | 13,007 | 7,815 | 13,007 |
Collectively evaluated | 3,432,223 | 3,385,869 | 3,432,223 | 3,385,869 |
Loans, net of unearned income | 3,440,038 | 3,398,876 | 3,440,038 | 3,398,876 |
Nonaccruing loans with no allowance for credit losses | 6,868 | 11,441 | 6,868 | 11,441 |
Real estate – commercial mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 77,125 | 75,667 | 77,020 | 71,798 | 71,798
Charge-offs | (10) | 0 | (5,737) | (5,512) | (5,568)
Recoveries | 11 | 208 | 116 | 697 |
Net (charge-offs) recoveries | 1 | 208 | (5,621) | (4,815) |
Provision for (recovery of) credit losses on loans | 4,961 | (642) | 10,688 | 8,250 |
Ending balance | 82,087 | 75,233 | 82,087 | 75,233 | 77,020
Individually evaluated | 4,878 | 1,260 | 4,878 | 1,260 |
Collectively evaluated | 77,209 | 73,973 | 77,209 | 73,973 |
Loans: |  |  |  |  |
Individually evaluated | 47,321 | 18,403 | 47,321 | 18,403 |
Collectively evaluated | 5,947,831 | 5,294,763 | 5,947,831 | 5,294,763 |
Loans, net of unearned income | 5,995,152 | 5,313,166 | 5,995,152 | 5,313,166 |
Nonaccruing loans with no allowance for credit losses | 25,016 | 11,226 | 25,016 | 11,226 |
Lease financing |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 2,515 | 2,480 | 2,515 | 2,463 | 2,463
Charge-offs | (642) | (641) | (642) | (641) | (1,524)
Recoveries | 8 | 2 | 26 | 13 |
Net (charge-offs) recoveries | (634) | (639) | (616) | (628) |
Provision for (recovery of) credit losses on loans | 503 | 1,514 | 485 | 1,520 |
Ending balance | 2,384 | 3,355 | 2,384 | 3,355 | 2,515
Individually evaluated | 0 | 856 | 0 | 856 |
Collectively evaluated | 2,384 | 2,499 | 2,384 | 2,499 |
Loans: |  |  |  |  |
Individually evaluated | 614 | 1,047 | 614 | 1,047 |
Collectively evaluated | 97,545 | 119,677 | 97,545 | 119,677 |
Loans, net of unearned income | 98,159 | 120,724 | 98,159 | 120,724 |
Nonaccruing loans with no allowance for credit losses | 614 | 191 | 614 | 191 |
Installment Loans to Individuals |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 8,963 | 9,375 | 9,168 | 9,733 | 9,733
Charge-offs | (649) | (607) | (1,379) | (1,997) | (2,636)
Recoveries | 611 | 568 | 1,181 | 1,884 |
Net (charge-offs) recoveries | (38) | (39) | (198) | (113) |
Provision for (recovery of) credit losses on loans | 54 | (50) | 9 | (334) |
Ending balance | 8,979 | 9,286 | 8,979 | 9,286 | 9,168
Individually evaluated | 270 | 270 | 270 | 270 |
Collectively evaluated | 8,709 | 9,016 | 8,709 | 9,016 |
Loans: |  |  |  |  |
Individually evaluated | 270 | 270 | 270 | 270 |
Collectively evaluated | 90,230 | 107,732 | 90,230 | 107,732 |
Loans, net of unearned income | 90,500 | 108,002 | 90,500 | 108,002 |
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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