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Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Summary of total non purchased and purchased loans
The following is a summary of non purchased loans and leases as of the dates presented:
 
March 31,
2022		December 31, 2021
Commercial, financial, agricultural(1)
$1,336,239 $1,332,962 
Lease financing94,954 80,192 
Real estate – construction:
Residential305,396 300,988 
Commercial911,532 798,914 
Total real estate – construction1,216,928 1,099,902 
Real estate – 1-4 family mortgage:
Primary1,803,750 1,682,050 
Home equity424,426 423,108 
Rental/investment274,117 268,245 
Land development142,294 135,070 
Total real estate – 1-4 family mortgage2,644,587 2,508,473 
Real estate – commercial mortgage:
Owner-occupied1,318,446 1,329,219 
Non-owner occupied2,510,981 2,446,370 
Land development116,113 110,395 
Total real estate – commercial mortgage3,945,540 3,885,984 
Installment loans to individuals105,754 107,565 
Gross loans9,344,002 9,015,078 
Unearned income(5,112)(4,067)
Loans, net of unearned income$9,338,890 $9,011,011 

(1)Includes Paycheck Protection Program (“PPP”) loans of $8,382 and $58,391 as of March 31, 2022 and December 31, 2021, respectively.
The following is a summary of purchased loans as of the dates presented:
 
March 31,
2022		December 31, 2021
Commercial, financial, agricultural$109,368 $90,308 
Real estate – construction:
Residential1,259 1,287 
Commercial3,865 3,707 
Total real estate – construction5,124 4,994 
Real estate – 1-4 family mortgage:
Primary122,063 134,070 
Home equity46,239 51,496 
Rental/investment18,694 20,229 
Land development9,396 9,978 
Total real estate – 1-4 family mortgage196,392 215,773 
Real estate – commercial mortgage:
Owner-occupied220,247 234,132 
Non-owner occupied396,135 410,577 
Land development15,942 18,344 
Total real estate – commercial mortgage632,324 663,053 
Installment loans to individuals31,361 35,775 
Loans$974,569 $1,009,903 
The following is a summary of total non purchased and purchased loans as of the dates presented:
 
March 31,
2022		December 31, 2021
Commercial, financial, agricultural (1)
$1,445,607 $1,423,270 
Lease financing94,954 80,192 
Real estate – construction:
Residential306,655 302,275 
Commercial915,397 802,621 
Total real estate – construction1,222,052 1,104,896 
Real estate – 1-4 family mortgage:
Primary1,925,813 1,816,120 
Home equity470,665 474,604 
Rental/investment292,811 288,474 
Land development151,690 145,048 
Total real estate – 1-4 family mortgage2,840,979 2,724,246 
Real estate – commercial mortgage:
Owner-occupied1,538,693 1,563,351 
Non-owner occupied2,907,116 2,856,947 
Land development132,055 128,739 
Total real estate – commercial mortgage4,577,864 4,549,037 
Installment loans to individuals137,115 143,340 
Gross loans10,318,571 10,024,981 
Unearned income(5,112)(4,067)
Loans, net of unearned income10,313,459 10,020,914 
Allowance for credit losses on loans(166,468)(164,171)
Net loans$10,146,991 $9,856,743 

(1)Includes Paycheck Protection Program (“PPP”) loans of $8,382 and $58,391 as of March 31, 2022 and December 31, 2021, respectively.
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:
CommercialReal Estate -
Construction		Real Estate -
1-4 Family
Mortgage		Real Estate  -
Commercial
Mortgage		Lease FinancingInstallment
Loans to Individuals		Total
Three Months Ended March 31, 2022
Allowance for credit losses:
Beginning balance$33,922 $16,419 $32,356 $68,940 $1,486 $11,048 $164,171 
Impact of PCD loans acquired during the period1,648 — — — — — 1,648 
Charge-offs(2,102)— (163)(6)(7)(779)(3,057)
Recoveries1,136 — 178 155 12 725 2,206 
Net (charge-offs) recoveries(966)— 15 149 5 (54)(851)
Provision for credit losses on loans(998)1,992 4,477 (3,858)91 (204)1,500 
Ending balance$33,606 $18,411 $36,848 $65,231 $1,582 $10,790 $166,468 
Period-End Amount Allocated to:
Individually evaluated$9,225 $— $396 $2,660 $— $570 $12,851 
Collectively evaluated 24,381 18,411 36,452 62,571 1,582 10,220 153,617 
Ending balance$33,606 $18,411 $36,848 $65,231 $1,582 $10,790 $166,468 
Loans:
Individually evaluated$13,070 $— $4,477 $15,464 $— $570 $33,581 
Collectively evaluated 1,432,537 1,222,052 2,836,502 4,562,400 89,842 136,545 10,279,878 
Ending balance$1,445,607 $1,222,052 $2,840,979 $4,577,864 $89,842 $137,115 $10,313,459 
Nonaccruing loans with no allowance for credit losses$435 $— $2,614 $5,298 $— $2 $8,349 
CommercialReal Estate -
Construction		Real Estate -
1-4 Family
Mortgage		Real Estate  -
Commercial
Mortgage		Lease FinancingInstallment Loans to IndividualsTotal
Three Months Ended March 31, 2021
Allowance for credit losses:
Beginning balance$39,031 $16,047 $32,165 $76,127 $1,624 $11,150 $176,144 
Charge-offs(3,498)(52)(101)(61)— (1,658)(5,370)
Recoveries289 13 261 171 11 1,587 2,332 
Net (charge-offs) recoveries(3,209)(39)160 110 11 (71)(3,038)
Provision for credit losses on loans1,770 (1,031)(631)(12)(89)(7)— 
Ending balance$37,592 $14,977 $31,694 $76,225 $1,546 $11,072 $173,106 
Period-End Amount Allocated to:
Individually evaluated$9,908 $— $232 $4,846 $— $607 $15,593 
Collectively evaluated27,684 14,977 31,462 71,379 1,546 10,465 157,513 
Ending balance$37,592 $14,977 $31,694 $76,225 $1,546 $11,072 $173,106 
Loans:
Individually evaluated$15,435 $— $6,311 $18,508 $— $621 $40,875 
Collectively evaluated2,233,852 955,918 2,679,750 4,530,519 75,256 172,238 10,647,533 
Ending balance$2,249,287 $955,918 $2,686,061 $4,549,027 $75,256 $172,859 $10,688,408 
Nonaccruing loans with no allowance for credit losses$1,848 $— $4,695 $2,113 $— $— $8,656 
Unfunded loan commitments, allowance for credit losses
Three Months Ended March 31,20222021
Allowance for credit losses on unfunded loan commitments:
Beginning balance$20,035 $20,535 
(Recovery of) provision for credit losses on unfunded loan commitments (included in other noninterest expense) (550)— 
Ending balance$19,485 $20,535