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Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]

Activity In The Allowance For Loan Losses

The activity in the ACL for the three-month periods ended March 31, 2025 and March 31, 2024 is summarized in the following tables:

			Three Months Ended March 31, 2025
(In thousands)			Commercial, financial and agricultural						Commercial real estate						Construction real estate						Residential real estate						Consumer						Leases						Total
ACL:
Beginning balance			$	12,683					$	19,571					$	7,125					$	22,355					$	26,081					$	151					$	87,966
Charge-offs			301						—						—						25						3,279						—						3,605
Recoveries			337						14						1,104						45						1,513						—						3,013
Net (recoveries)/charge-offs			$	(36)					$	(14)					$	(1,104)					$	(20)					$	1,766					$	—					$	592
(Recovery of) provision for credit losses			(1,311)						253						(90)						374						1,500						30						756
Ending balance			$	11,408					$	19,838					$	8,139					$	22,749					$	25,815					$	181					$	88,130

 

			Three Months Ended March 31, 2024
(In thousands)			Commercial, financial and agricultural						Commercial real estate						Construction real estate						Residential real estate						Consumer						Leases						Total
ACL:
Beginning balance			$	15,496					$	16,374					$	5,227					$	18,818					$	27,713					$	117					$	83,745
Charge-offs			220						—						—						1						3,019						—						3,240
Recoveries			171						22						914						82						1,210						—						2,399
Net charge-offs/(recoveries)			$	49					$	(22)					$	(914)					$	(81)					$	1,809					$	—					$	841
(Recovery of) provision for credit losses			(476)						785						(399)						734						1,490						46						2,180
Ending balance			$	14,971					$	17,181					$	5,742					$	19,633					$	27,394					$	163					$	85,084

Composition Of The Allowance For Loan Losses

The composition of the ACL at March 31, 2025 and at December 31, 2024 was as follows:

 

			March 31, 2025
(In thousands)			Commercial, financial and agricultural						Commercial real estate						Construction real estate						Residential real estate						Consumer						Leases						Total
ACL:
Ending allowance balance attributed to loans:
Individually evaluated for impairment - nonaccrual			$	976					$	68					$	—					$	—					$	—					$	—					$	1,044
Individually evaluated for impairment - accrual			—						—						—						—						—												—
Collectively evaluated for impairment			10,432						19,770						8,139						22,749						25,815						181						87,086
Accruing loans acquired with deteriorated credit quality			—						—						—						—						—						—						—
Total ending allowance balance			$	11,408					$	19,838					$	8,139					$	22,749					$	25,815					$	181					$	88,130
Loan balance:
Individually evaluated for impairment - nonaccrual			$	22,915					$	22,930					$	100					$	1,763					$	—					$	10					$	47,718
Individually evaluated for impairment - accrual			$	13,935					$	—					$	—					$	—					$	—					$	—					13,935
Loans collectively evaluated for impairment			1,210,378						2,005,101						461,692						2,237,255						1,876,690						28,827						7,819,943
Accruing loans acquired with deteriorated credit quality			—						1,318						569						252						—						—						2,139
Total ending loan balance			$	1,247,228					$	2,029,349					$	462,361					$	2,239,270					$	1,876,690					$	28,837					$	7,883,735
ACL as a percentage of loan balance:
Individually evaluated for impairment - nonaccrual			4.26		%				0.30		%				—		%				—		%				—		%				—		%				2.19		%
Individually evaluated for impairment - accrual			—		%				—		%				—		%				—		%				—		%				—		%				—		%
Loans collectively evaluated for impairment			0.86		%				0.99		%				1.76		%				1.02		%				1.38		%				0.63		%				1.11		%
Accruing loans acquired with deteriorated credit quality			—		%				—		%				—		%				—		%				—		%				—		%				—		%
Total			0.91		%				0.98		%				1.76		%				1.02		%				1.38		%				0.63		%				1.12		%

						December 31, 2024
(In thousands)						Commercial, financial and agricultural						Commercial real estate						Construction real estate						Residential real estate						Consumer						Leases						Total
ACL:
Ending allowance balance attributed to loans:
Individually evaluated for impairment - nonaccrual						$	1,259					$	—					$	—					$	40					$	—					$	—					$	1,299
Individually evaluated for impairment - accrual						—						—						—						—						—						—						—
Collectively evaluated for impairment						11,424						19,571						7,125						22,315						26,081						151						86,667
Accruing loans acquired with deteriorated credit quality						—						—						—						—						—						—						—
Total ending allowance balance						$	12,683					$	19,571					$	7,125					$	22,355					$	26,081					$	151					$	87,966
Loan balance:
Individually evaluated for impairment - nonaccrual						$	24,194					$	23,230					$	8					$	5,700					$	—					$	17					$	53,149
Individually evaluated for impairment - accrual						15,290						—						—						—						—						—						15,290
Loans collectively evaluated for impairment						1,230,101						1,969,785						411,988						2,194,457						1,910,372						29,812						7,746,515
Accruing loans acquired with deteriorated credit quality						—						1,317						581						276						—						—						2,174
Total ending loan balance						$	1,269,585					$	1,994,332					$	412,577					$	2,200,433					$	1,910,372					$	29,829					$	7,817,128
ACL as a percentage of loan balance:
Individually evaluated for impairment - nonaccrual						5.20		%				—		%				—		%				0.70		%				—		%				—		%				2.44		%
Individually evaluated for impairment - accrual						—		%				—		%				—		%				—		%				—		%				—		%				—		%
Loans collectively evaluated for impairment						0.93		%				0.99		%				1.73		%				1.02		%				1.37		%				0.51		%				1.12		%
Accruing loans acquired with deteriorated credit quality						—		%				—		%				—		%				—		%				—		%				—		%				—		%
Total						1.00		%				0.98		%				1.73		%				1.02		%				1.37		%				0.51		%				1.13		%

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Schedule Of Allowance For Loan Losses [Text Block]

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- Definition

Tabular disclosure of allowance for credit loss of financing receivable, classified as current.

+ 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

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