XML 61 R48.htm IDEA: XBRL DOCUMENT v3.24.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Risk Grade (Details) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2024
Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one $ 2,808,456 $ 3,520,850
Year two 2,116,249 5,111,112
Year three 5,232,577 4,336,679
Year four 3,954,136 1,988,570
Year five 1,816,338 1,209,250
Prior 3,032,186 2,289,160
Revolving Loans Amortized Cost Basis 2,005,039 1,813,682
Loans, net of unearned income 20,964,981 20,269,303
Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 2,798,325 3,502,909
Year two 2,101,519 5,062,109
Year three 5,192,936 4,228,744
Year four 3,916,994 1,953,577
Year five 1,786,020 1,149,459
Prior 2,906,083 2,188,927
Revolving Loans Amortized Cost Basis 1,974,465 1,761,006
Loans, net of unearned income 20,676,342 19,846,731
Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 3,169 13
Year two 3,141 17,471
Year three 1,928 59,123
Year four 2,900 293
Year five 16,792 30,543
Prior 82,198 48,737
Revolving Loans Amortized Cost Basis 14,351 47,545
Loans, net of unearned income 124,479 203,725
Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 6,962 17,928
Year two 11,589 31,532
Year three 37,713 48,812
Year four 34,242 34,700
Year five 13,526 29,248
Prior 43,905 51,496
Revolving Loans Amortized Cost Basis 16,223 5,131
Loans, net of unearned income 164,160 218,847
Commercial, financial and agricultural    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 771,416 894,463
Year two 655,689 762,401
Year three 604,479 393,774
Year four 294,514 96,287
Year five 87,333 60,089
Prior 65,051 47,294
Revolving Loans Amortized Cost Basis 471,475 434,621
Loans, net of unearned income 2,949,957 2,688,929
Current-period gross charge offs, year one 286  
Current-period gross charge offs, year two 15,849  
Current-period gross charge offs, year three 15,380  
Current-period gross charge offs, year four 6,699  
Current-period gross charge offs, year five 1,178  
Current-period gross charge offs, prior 758  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 40,150  
Commercial, financial and agricultural | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 771,180 892,951
Year two 653,260 758,471
Year three 599,054 384,830
Year four 284,292 95,055
Year five 85,784 56,447
Prior 56,473 41,095
Revolving Loans Amortized Cost Basis 460,002 432,472
Loans, net of unearned income 2,910,045 2,661,321
Commercial, financial and agricultural | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 5 0
Year two 127 335
Year three 1,825 5,722
Year four 1,315 92
Year five 725 109
Prior 3,241 451
Revolving Loans Amortized Cost Basis 2,784 803
Loans, net of unearned income 10,022 7,512
Commercial, financial and agricultural | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 231 1,512
Year two 2,302 3,595
Year three 3,600 3,222
Year four 8,907 1,140
Year five 824 3,533
Prior 5,337 5,748
Revolving Loans Amortized Cost Basis 8,689 1,346
Loans, net of unearned income 29,890 20,096
Consumer    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 44,364 44,890
Year two 22,056 17,847
Year three 10,730 5,919
Year four 3,080 25,988
Year five 19,384 16,035
Prior 28,188 21,494
Revolving Loans Amortized Cost Basis 82,508 109,379
Loans, net of unearned income 210,310 241,552
Current-period gross charge offs, year one 113  
Current-period gross charge offs, year two 514  
Current-period gross charge offs, year three 210  
Current-period gross charge offs, year four 38  
Current-period gross charge offs, year five 682  
Current-period gross charge offs, prior 1,081  
Current-period gross charge offs, revolving loans amortized cost basis 198  
Current-period gross charge offs 2,836  
Consumer | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 44,222 44,736
Year two 21,803 17,661
Year three 10,610 5,878
Year four 3,046 25,654
Year five 19,194 15,838
Prior 27,710 20,937
Revolving Loans Amortized Cost Basis 82,381 109,214
Loans, net of unearned income 208,966 239,918
Consumer | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 5 0
Year two 0 5
Year three 15 0
Year four 0 0
Year five 0 0
Prior 39 26
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 59 31
Consumer | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 137 154
Year two 253 181
Year three 105 41
Year four 34 334
Year five 190 197
Prior 439 531
Revolving Loans Amortized Cost Basis 127 165
Loans, net of unearned income 1,285 1,603
Indirect automobile    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 0 0
Year three 0 0
Year four 0 0
Year five 0 6,141
Prior 10,891 28,116
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 10,891 34,257
Current-period gross charge offs, year one 0  
Current-period gross charge offs, year two 0  
Current-period gross charge offs, year three 0  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 138  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 138  
Indirect automobile | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 0 0
Year three 0 0
Year four 0 0
Year five 0 6,086
Prior 10,625 27,646
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 10,625 33,732
Indirect automobile | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0  
Year two 0  
Year three 0  
Year four 0  
Year five 0  
Prior 26  
Revolving Loans Amortized Cost Basis 0  
Loans, net of unearned income 26  
Indirect automobile | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 0 0
Year three 0 0
Year four 0 0
Year five 0 55
Prior 240 470
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 240 525
Mortgage warehouse    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 0 0
Year three 0 0
Year four 0 0
Year five 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 985,910 818,728
Loans, net of unearned income 985,910 818,728
Current-period gross charge offs, year one 0  
Current-period gross charge offs, year two 0  
Current-period gross charge offs, year three 0  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 0  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 0  
Mortgage warehouse | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 0 0
Year three 0 0
Year four 0 0
Year five 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 976,092 772,366
Loans, net of unearned income 976,092 772,366
Mortgage warehouse | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 0 0
Year three 0 0
Year four 0 0
Year five 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 9,818 46,362
Loans, net of unearned income 9,818 46,362
Municipal    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 20,566 14,216
Year two 9,227 27,346
Year three 44,890 48,941
Year four 36,746 177,156
Year five 140,694 14,655
Prior 196,616 208,236
Revolving Loans Amortized Cost Basis 822 2,118
Loans, net of unearned income 449,561 492,668
Current-period gross charge offs, year one 0  
Current-period gross charge offs, year two 0  
Current-period gross charge offs, year three 0  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 0  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 0  
Municipal | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 20,566 14,216
Year two 9,227 27,346
Year three 44,890 48,941
Year four 36,746 177,156
Year five 140,694 14,655
Prior 196,616 208,236
Revolving Loans Amortized Cost Basis 822 2,118
Loans, net of unearned income 449,561 492,668
Premium finance    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 1,223,163 939,707
Year two 22,873 4,939
Year three 213 1,916
Year four 203 0
Year five 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 1,246,452 946,562
Current-period gross charge offs, year one 742  
Current-period gross charge offs, year two 5,923  
Current-period gross charge offs, year three 245  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 0  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 6,910  
Premium finance | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 1,217,918 928,930
Year two 20,616 4,038
Year three 213 1,916
Year four 203 0
Year five 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 1,238,950 934,884
Premium finance | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 5,245 10,777
Year two 2,257 901
Year three 0 0
Year four 0 0
Year five 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 7,502 11,678
Real estate – construction and development    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 416,658 457,077
Year two 291,038 939,175
Year three 1,029,265 506,766
Year four 323,846 58,840
Year five 4,550 54,646
Prior 92,679 31,021
Revolving Loans Amortized Cost Basis 74,078 81,662
Loans, net of unearned income 2,232,114 2,129,187
Current-period gross charge offs, year one 0  
Current-period gross charge offs, year two 0  
Current-period gross charge offs, year three 0  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 0  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 0  
Real estate – construction and development | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 413,449 457,077
Year two 289,316 938,909
Year three 1,025,891 505,254
Year four 323,413 58,840
Year five 4,550 54,646
Prior 91,834 30,042
Revolving Loans Amortized Cost Basis 74,078 81,662
Loans, net of unearned income 2,222,531 2,126,430
Real estate – construction and development | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 3,159 0
Year two 1,643 0
Year three 0 0
Year four 66 0
Year five 0 0
Prior 317 479
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 5,185 479
Real estate – construction and development | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 50 0
Year two 79 266
Year three 3,374 1,512
Year four 367 0
Year five 0 0
Prior 528 500
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 4,398 2,278
Real estate – commercial and farmland    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 166,867 450,743
Year two 460,480 1,908,047
Year three 2,208,928 2,202,740
Year four 2,212,094 1,093,395
Year five 1,080,923 801,946
Prior 2,026,212 1,502,677
Revolving Loans Amortized Cost Basis 94,477 100,206
Loans, net of unearned income 8,249,981 8,059,754
Current-period gross charge offs, year one 0  
Current-period gross charge offs, year two 513  
Current-period gross charge offs, year three 0  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 58  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 571  
Real estate – commercial and farmland | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 166,867 450,315
Year two 457,998 1,890,498
Year three 2,191,571 2,133,833
Year four 2,197,460 1,090,735
Year five 1,062,050 765,640
Prior 1,935,670 1,437,323
Revolving Loans Amortized Cost Basis 94,477 100,206
Loans, net of unearned income 8,106,093 7,868,550
Real estate – commercial and farmland | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 0
Year two 1,360 17,131
Year three 35 53,329
Year four 756 0
Year five 15,471 30,200
Prior 76,613 46,370
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 94,235 147,030
Real estate – commercial and farmland | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 428
Year two 1,122 418
Year three 17,322 15,578
Year four 13,878 2,660
Year five 3,402 6,106
Prior 13,929 18,984
Revolving Loans Amortized Cost Basis 0 0
Loans, net of unearned income 49,653 44,174
Real estate – residential    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 165,422 719,754
Year two 654,886 1,451,357
Year three 1,334,072 1,176,623
Year four 1,083,653 536,904
Year five 483,454 255,738
Prior 612,549 450,322
Revolving Loans Amortized Cost Basis 295,769 266,968
Loans, net of unearned income 4,629,805 4,857,666
Current-period gross charge offs, year one 0  
Current-period gross charge offs, year two 24  
Current-period gross charge offs, year three 20  
Current-period gross charge offs, year four 0  
Current-period gross charge offs, year five 0  
Current-period gross charge offs, prior 5  
Current-period gross charge offs, revolving loans amortized cost basis 0  
Current-period gross charge offs 49  
Real estate – residential | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 164,123 714,684
Year two 649,299 1,425,186
Year three 1,320,707 1,148,092
Year four 1,071,834 506,137
Year five 473,748 236,147
Prior 587,155 423,648
Revolving Loans Amortized Cost Basis 286,613 262,968
Loans, net of unearned income 4,553,479 4,716,862
Real estate – residential | Special mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 0 13
Year two 11 0
Year three 53 72
Year four 763 201
Year five 596 234
Prior 1,962 1,411
Revolving Loans Amortized Cost Basis 1,749 380
Loans, net of unearned income 5,134 2,311
Real estate – residential | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Year one 1,299 5,057
Year two 5,576 26,171
Year three 13,312 28,459
Year four 11,056 30,566
Year five 9,110 19,357
Prior 23,432 25,263
Revolving Loans Amortized Cost Basis 7,407 3,620
Loans, net of unearned income 71,192 $ 138,493
Total Loans    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current-period gross charge offs, year one 1,141  
Current-period gross charge offs, year two 22,823  
Current-period gross charge offs, year three 15,855  
Current-period gross charge offs, year four 6,737  
Current-period gross charge offs, year five 1,860  
Current-period gross charge offs, prior 2,040  
Current-period gross charge offs, revolving loans amortized cost basis 198  
Current-period gross charge offs $ 50,654