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Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 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 September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,951 |  |  | $ | 18,896 |  |  | $ | 47,421 |  |  | $ | 77,125 |  |  | $ | 2,515 |  |  | $ | 8,963 |  |  | $ | 199,871 |
Charge-offs | (347) |  |  | — |  |  | (256) |  |  | (10) |  |  | (642) |  |  | (649) |  |  | (1,904) |
Recoveries | 514 |  |  | — |  |  | 57 |  |  | 11 |  |  | 8 |  |  | 611 |  |  | 1,201 |
Net (charge-offs) recoveries | 167 |  |  | — |  |  | (199) |  |  | 1 |  |  | (634) |  |  | (38) |  |  | (703) |
Provision for (recovery of) credit losses on loans | (2,065) |  |  | (2,240) |  |  | (3) |  |  | 4,961 |  |  | 503 |  |  | 54 |  |  | 1,210 |
Ending balance | $ | 43,053 |  |  | $ | 16,656 |  |  | $ | 47,219 |  |  | $ | 82,087 |  |  | $ | 2,384 |  |  | $ | 8,979 |  |  | $ | 200,378 |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 43,980 |  |  | $ | 18,612 |  |  | $ | 47,283 |  |  | $ | 77,020 |  |  | $ | 2,515 |  |  | $ | 9,168 |  |  | $ | 198,578 |
Charge-offs | (882) |  |  |  |  | (546) |  |  | (5,737) |  |  | (642) |  |  | (1,379) |  |  | (9,186) |
Recoveries | 1,385 |  |  |  |  | 130 |  |  | 116 |  |  | 26 |  |  | 1,181 |  |  | 2,838 |
Net (charge-offs) recoveries | 503 |  |  | — |  |  | (416) |  |  | (5,621) |  |  | (616) |  |  | (198) |  |  | (6,348) |
Provision for (recovery of) credit losses on loans | (1,430) |  |  | (1,956) |  |  | 352 |  |  | 10,688 |  |  | 485 |  |  | 9 |  |  | 8,148 |
Ending balance | $ | 43,053 |  |  | $ | 16,656 |  |  | $ | 47,219 |  |  | $ | 82,087 |  |  | $ | 2,384 |  |  | $ | 8,979 |  |  | $ | 200,378 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 8,805 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,878 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 13,953 |
Collectively evaluated | 34,248 |  |  | 16,656 |  |  | 47,219 |  |  | 77,209 |  |  | 2,384 |  |  | 8,709 |  |  | 186,425 |
Ending balance | $ | 43,053 |  |  | $ | 16,656 |  |  | $ | 47,219 |  |  | $ | 82,087 |  |  | $ | 2,384 |  |  | $ | 8,979 |  |  | $ | 200,378 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 15,370 |  |  | $ | 241 |  |  | $ | 7,815 |  |  | $ | 47,321 |  |  | $ | 614 |  |  | $ | 270 |  |  | $ | 71,631 |
Collectively evaluated | 1,789,591 |  |  | 1,198,597 |  |  | 3,432,223 |  |  | 5,947,831 |  |  | 97,545 |  |  | 90,230 |  |  | 12,556,017 |
Ending balance | $ | 1,804,961 |  |  | $ | 1,198,838 |  |  | $ | 3,440,038 |  |  | $ | 5,995,152 |  |  | $ | 98,159 |  |  | $ | 90,500 |  |  | $ | 12,627,648 |
Nonaccruing loans with no allowance for credit losses | $ | 122 |  |  | $ | — |  |  | $ | 6,868 |  |  | $ | 25,016 |  |  | $ | 614 |  |  | $ | — |  |  | $ | 32,620 |
| 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 |
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, | 2024 | 2023
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 15,718 |  | $ | 17,618 |
Recovery of credit losses on unfunded loan commitments | (275) |  | (700) |
Ending balance | $ | 15,443 |  | $ | 16,918 |
Nine Months Ended September 30, | 2024 | 2023
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 16,918 |  | $ | 20,118 |
Recovery of credit losses on unfunded loan commitments | (1,475) |  | (3,200) |
Ending balance | $ | 15,443 |  | $ | 16,918 |

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