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Allowance for Credit Losses
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
Allowance for Credit Losses Allowance for Credit Losses
(In Thousands, Except Number of Loans)
The following is a summary of non purchased and purchased loans and leases at December 31: 
20212020
Commercial, financial, agricultural$1,423,270 $2,536,984 
Lease financing80,192 80,022 
Real estate – construction:
Residential302,275 246,673 
Commercial802,621 611,431 
Total real estate – construction1,104,896 858,104 
Real estate – 1-4 family mortgage:
Primary1,816,120 1,750,951 
Home equity474,604 513,160 
Rental/investment288,474 296,364 
Land development145,048 137,833 
Total real estate – 1-4 family mortgage2,724,246 2,698,308 
Real estate – commercial mortgage:
Owner-occupied1,563,351 1,657,806 
Non-owner occupied2,856,947 2,747,467 
Land development128,739 149,579 
Total real estate – commercial mortgage4,549,037 4,554,852 
Installment loans to individuals143,340 209,537 
Gross loans10,024,981 10,937,807 
Unearned income(4,067)(4,160)
Loans, net of unearned income10,020,914 10,933,647 
Allowance for credit losses on loans(164,171)(176,144)
Net loans$9,856,743 $10,757,503 
Allowance for Credit Losses on Loans
The following table provides 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:
CommercialReal Estate  -
Construction		Real Estate -
1-4 Family
Mortgage		Real Estate  -
Commercial
Mortgage		Lease FinancingInstallment Loans to IndividualsTotal
Year Ended December 31, 2021
Allowance for credit losses on loans:
Beginning balance$39,031 $16,047 $32,165 $76,127 $1,624 $11,150 $176,144 
Charge-offs(7,087)(52)(1,164)(5,184)(13)(5,374)(18,874)
Recoveries1,470 13 1,498 541 49 5,030 8,601 
Net charge-offs(5,617)(39)334 (4,643)36 (344)(10,273)
Provision (recoveries) of credit losses on loans508 411 (143)(2,544)(174)242 (1,700)
Ending balance$33,922 $16,419 $32,356 $68,940 $1,486 $11,048 $164,171 
Period-End Amount Allocated to:
Individually evaluated$9,239 $— $216 $2,401 $— $607 $12,463 
Collectively evaluated24,683 16,419 32,140 66,539 1,486 10,441 151,708 
Ending balance$33,922 $16,419 $32,356 $68,940 $1,486 $11,048 $164,171 
Loans:
Individually evaluated$12,776 $— $5,360 $14,623 $— $690 $33,449 
Collectively evaluated1,410,494 1,104,896 2,718,886 4,534,414 76,125 142,650 9,987,465 
Ending balance$1,423,270 $1,104,896 $2,724,246 $4,549,037 $76,125 $143,340 $10,020,914 
Nonaccruing loans with no allowance for credit losses$397 $— $2,329 $5,270 $— $22 $8,018 
CommercialReal Estate  -
Construction		Real Estate -
1-4 Family
Mortgage		Real Estate  -
Commercial
Mortgage		Lease FinancingInstallment Loans to IndividualsTotal
Year Ended December 31, 2020
Allowance for credit losses on loans:
Beginning balance$10,658 $5,029 $9,814 $24,990 $910 $761 $52,162 
Impact of the adoption of ASC 326
11,351 3,505 14,314 4,293 521 8,500 42,484 
Charge-offs(3,577)(716)(1,167)(2,642)(168)(7,835)(16,105)
Recoveries1,263 31 838 2,478 11 7,632 12,253 
Net charge-offs(2,314)(685)(329)(164)(157)(203)(3,852)
Provision for credit losses on loans19,336 8,198 8,366 47,008 350 2,092 85,350 
Ending balance$39,031 $16,047 $32,165 $76,127 $1,624 $11,150 $176,144 
Period-End Amount Allocated to:
Individually evaluated$10,345 $497 $300 $2,444 $— $604 $14,190 
Collectively evaluated28,686 15,550 31,865 73,683 1,624 10,546 161,954 
Ending balance$39,031 $16,047 $32,165 $76,127 $1,624 $11,150 $176,144 
Loans:
Individually evaluated$16,091 $497 $5,379 $21,764 $— $619 $44,350 
Collectively evaluated2,520,893 857,607 2,692,929 4,533,088 75,862 208,918 10,889,297 
Ending balance$2,536,984 $858,104 $2,698,308 $4,554,852 $75,862 $209,537 $10,933,647 
Nonaccruing loans with no allowance for credit losses$541 $— $4,054 $4,382 $— $— $8,977 
The Company’s allowance for credit loss model considers economic projections, primarily the national unemployment rate and GDP, over a reasonable and supportable period of two years. Based on the continual improvements in these forecasts over the last year, nominal loan growth excluding PPP loans and stable credit metrics, the Company’s allowance model indicated that a release of the allowance for credit losses was appropriate during 2021.
The following table provides 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 prior to the adoption of ASC 326 for the periods presented:
CommercialReal Estate  -
Construction		Real Estate -
1-4 Family
Mortgage		Real Estate  -
Commercial
Mortgage
Installment
and Other(1)
Total
Year Ended December 31, 2019
Allowance for loan losses:
Beginning balance$8,269 $4,755 $10,139 $24,492 $1,371 $49,026 
Charge-offs(2,681)— (1,602)(1,490)(7,705)(13,478)
Recoveries1,428 21 712 689 6,714 9,564 
Net charge-offs(1,253)21 (890)(801)(991)(3,914)
Provision for loan losses3,642 253 565 1,299 1,291 7,050 
Ending balance$10,658 $5,029 $9,814 $24,990 $1,671 $52,162 
Period-End Amount Allocated to:
Individually evaluated for impairment$1,434 $16 $160 $396 $6 $2,012 
Collectively evaluated for impairment8,932 5,013 9,363 23,208 1,663 48,179 
Purchased with deteriorated credit quality292 — 291 1,386 2 1,971 
Ending balance$10,658 $5,029 $9,814 $24,990 $1,671 $52,162 
(1)Includes lease financing receivables.

Allowance for Credit Losses on Unfunded Loan Commitments
The following table provides a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
Year Ended
20212020
Allowance for credit losses on unfunded loan commitments:
Beginning balance$20,535 $946 
Impact of the adoption of ASC 326
— 10,389 
Provision for credit losses on unfunded loan commitments (included in other noninterest expense)(500)9,200 
Ending balance$20,035 $20,535