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v3.25.1

Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |
Beginning balance | $ 201,756 | $ 198,578 | $ 198,578
Charge-offs | (1,129) | (910) | (13,809)
Recoveries | 1,254 | 746 |
Net recoveries (charge-offs) | 125 | (164) |
(Recovery of) provision for credit losses on loans | 2,050 | 2,638 |
Ending balance | 203,931 | 201,052 | 201,756
Individually evaluated | 15,767 | 9,947 |
Collectively evaluated | 188,164 | 191,105 |
Loans: |  |  |
Individually evaluated | 73,125 | 36,491 |
Collectively evaluated | 12,982,468 | 12,464,034 |
Loans, net of unearned income | 13,055,593 | 12,500,525 | 12,885,020
Nonaccruing loans with no allowance for credit losses | 21,561 | 17,615 |
Commercial, financial, agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 38,527 | 43,980 | 43,980
Charge-offs | (94) | (349) | (4,463)
Recoveries | 958 | 346 |
Net recoveries (charge-offs) | 864 | (3) |
(Recovery of) provision for credit losses on loans | (950) | 1,944 |
Ending balance | 38,441 | 45,921 | 38,527
Individually evaluated | 4,522 | 9,104 |
Collectively evaluated | 33,919 | 36,817 |
Loans: |  |  |
Individually evaluated | 11,132 | 15,861 |
Collectively evaluated | 1,877,448 | 1,853,547 |
Loans, net of unearned income | 1,888,580 | 1,869,408 |
Nonaccruing loans with no allowance for credit losses | 122 | 157 |
Real estate – construction: |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 15,126 | 18,612 | 18,612
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Net recoveries (charge-offs) | 0 | 0 |
(Recovery of) provision for credit losses on loans | 1,435 | (1,295) |
Ending balance | 16,561 | 17,317 | 15,126
Individually evaluated | 0 | 0 |
Collectively evaluated | 16,561 | 17,317 |
Loans: |  |  |
Individually evaluated | 2,434 | 0 |
Collectively evaluated | 1,088,428 | 1,243,535 |
Loans, net of unearned income | 1,090,862 | 1,243,535 |
Nonaccruing loans with no allowance for credit losses | 2,434 | 0 |
Real estate – 1-4 family mortgage: |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 47,761 | 47,283 | 47,283
Charge-offs | (309) | (82) | (966)
Recoveries | 33 | 48 |
Net recoveries (charge-offs) | (276) | (34) |
(Recovery of) provision for credit losses on loans | 3,226 | 317 |
Ending balance | 50,711 | 47,566 | 47,761
Individually evaluated | 0 | 0 |
Collectively evaluated | 50,711 | 47,566 |
Loans: |  |  |
Individually evaluated | 8,750 | 7,327 |
Collectively evaluated | 3,574,330 | 3,421,959 |
Loans, net of unearned income | 3,583,080 | 3,429,286 |
Nonaccruing loans with no allowance for credit losses | 6,418 | 7,328 |
Real estate – commercial mortgage: |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 90,204 | 77,020 | 77,020
Charge-offs | (461) | 0 | (5,737)
Recoveries | 6 | 6 |
Net recoveries (charge-offs) | (455) | 6 |
(Recovery of) provision for credit losses on loans | (1,669) | 1,699 |
Ending balance | 88,080 | 78,725 | 90,204
Individually evaluated | 8,922 | 573 |
Collectively evaluated | 79,158 | 78,152 |
Loans: |  |  |
Individually evaluated | 46,593 | 13,033 |
Collectively evaluated | 6,273,527 | 5,740,197 |
Loans, net of unearned income | 6,320,120 | 5,753,230 |
Nonaccruing loans with no allowance for credit losses | 11,998 | 10,130 |
Lease financing |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,368 | 2,515 | 2,515
Charge-offs | 0 | 0 | (642)
Recoveries | 9 | 8 |
Net recoveries (charge-offs) | 9 | 8 |
(Recovery of) provision for credit losses on loans | 267 | 31 |
Ending balance | 3,644 | 2,554 | 3,368
Individually evaluated | 2,053 | 0 |
Collectively evaluated | 1,591 | 2,554 |
Loans: |  |  |
Individually evaluated | 3,946 | 0 |
Collectively evaluated | 81,466 | 107,474 |
Loans, net of unearned income | 85,412 | 107,474 |
Nonaccruing loans with no allowance for credit losses | 589 | 0 |
Installment Loans to Individuals |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 6,770 | 9,168 | 9,168
Charge-offs | (265) | (479) | (1,856)
Recoveries | 248 | 338 |
Net recoveries (charge-offs) | (17) | (141) |
(Recovery of) provision for credit losses on loans | (259) | (58) |
Ending balance | 6,494 | 8,969 | $ 6,770
Individually evaluated | 270 | 270 |
Collectively evaluated | 6,224 | 8,699 |
Loans: |  |  |
Individually evaluated | 270 | 270 |
Collectively evaluated | 87,269 | 97,322 |
Loans, net of unearned income | 87,539 | 97,592 |
Nonaccruing loans with no allowance for credit losses | $ 0 | $ 0 |

X
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