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Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 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:
 
June 30,
2022		December 31, 2021
Commercial, financial, agricultural(1)
$1,405,642 $1,332,962 
Lease financing106,510 80,192 
Real estate – construction:
Residential319,287 300,988 
Commercial801,830 798,914 
Total real estate – construction1,121,117 1,099,902 
Real estate – 1-4 family mortgage:
Primary1,976,535 1,682,050 
Home equity443,045 423,108 
Rental/investment279,621 268,245 
Land development150,474 135,070 
Total real estate – 1-4 family mortgage2,849,675 2,508,473 
Real estate – commercial mortgage:
Owner-occupied1,323,106 1,329,219 
Non-owner occupied2,674,678 2,446,370 
Land development112,887 110,395 
Total real estate – commercial mortgage4,110,671 3,885,984 
Installment loans to individuals103,661 107,565 
Gross loans9,697,276 9,015,078 
Unearned income(5,160)(4,067)
Loans, net of unearned income$9,692,116 $9,011,011 

(1)Includes Paycheck Protection Program (“PPP”) loans of $7,383 and $58,391 as of June 30, 2022 and December 31, 2021, respectively.
The following is a summary of purchased loans as of the dates presented:
 
June 30,
2022		December 31, 2021
Commercial, financial, agricultural$91,630 $90,308 
Real estate – construction:
Residential1,254 1,287 
Commercial3,992 3,707 
Total real estate – construction5,246 4,994 
Real estate – 1-4 family mortgage:
Primary108,543 134,070 
Home equity45,003 51,496 
Rental/investment17,915 20,229 
Land development8,947 9,978 
Total real estate – 1-4 family mortgage180,408 215,773 
Real estate – commercial mortgage:
Owner-occupied210,086 234,132 
Non-owner occupied382,848 410,577 
Land development13,908 18,344 
Total real estate – commercial mortgage606,842 663,053 
Installment loans to individuals27,502 35,775 
Loans$911,628 $1,009,903 
The following is a summary of total non purchased and purchased loans as of the dates presented:
 
June 30,
2022		December 31, 2021
Commercial, financial, agricultural (1)
$1,497,272 $1,423,270 
Lease financing106,510 80,192 
Real estate – construction:
Residential320,541 302,275 
Commercial805,822 802,621 
Total real estate – construction1,126,363 1,104,896 
Real estate – 1-4 family mortgage:
Primary2,085,078 1,816,120 
Home equity488,048 474,604 
Rental/investment297,536 288,474 
Land development159,421 145,048 
Total real estate – 1-4 family mortgage3,030,083 2,724,246 
Real estate – commercial mortgage:
Owner-occupied1,533,192 1,563,351 
Non-owner occupied3,057,526 2,856,947 
Land development126,795 128,739 
Total real estate – commercial mortgage4,717,513 4,549,037 
Installment loans to individuals131,163 143,340 
Gross loans10,608,904 10,024,981 
Unearned income(5,160)(4,067)
Loans, net of unearned income10,603,744 10,020,914 
Allowance for credit losses on loans(166,131)(164,171)
Net loans$10,437,613 $9,856,743 
(1)Includes Paycheck Protection Program (“PPP”) loans of $7,383 and $58,391 as of June 30, 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 June 30, 2022
Allowance for credit losses:
Beginning balance$33,606 $18,411 $36,848 $65,231 $1,582 $10,790 $166,468 
Charge-offs(2,239)— (161)(708)— (850)(3,958)
Recoveries431 — 169 192 11 818 1,621 
Net (charge-offs) recoveries(1,808)— 8 (516)11 (32)(2,337)
(Recovery of) provision for credit losses on loans(1,605)(1,121)5,054 (342)209 (195)2,000 
Ending balance$30,193 $17,290 $41,910 $64,373 $1,802 $10,563 $166,131 
Six Months Ended June 30, 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(4,341)— (324)(714)(7)(1,629)(7,015)
Recoveries1,567 — 347 347 23 1,543 3,827 
Net (charge-offs) recoveries(2,774)— 23 (367)16 (86)(3,188)
(Recovery of) provision for credit losses on loans(2,603)871 9,531 (4,200)300 (399)3,500 
Ending balance$30,193 $17,290 $41,910 $64,373 $1,802 $10,563 $166,131 
Period-End Amount Allocated to:
Individually evaluated$4,567 $— $85 $1,674 $— $570 $6,896 
Collectively evaluated 25,626 17,290 41,825 62,699 1,802 9,993 159,235 
Ending balance$30,193 $17,290 $41,910 $64,373 $1,802 $10,563 $166,131 
Loans:
Individually evaluated$9,534 $— $4,127 $11,716 $— $570 $25,947 
Collectively evaluated 1,487,738 1,126,363 3,025,956 4,705,797 101,350 130,593 10,577,797 
Ending balance$1,497,272 $1,126,363 $3,030,083 $4,717,513 $101,350 $131,163 $10,603,744 
Nonaccruing loans with no allowance for credit losses$849 $— $3,594 $3,492 $— $— $7,935 
CommercialReal Estate -
Construction		Real Estate -
1-4 Family
Mortgage		Real Estate  -
Commercial
Mortgage		Lease FinancingInstallment Loans to IndividualsTotal
Three Months Ended June 30, 2021
Allowance for credit losses:
Beginning balance$37,592 $14,977 $31,694 $76,225 $1,546 $11,072 $173,106 
Charge-offs(1,184)— (152)(171)— (1,347)(2,854)
Recoveries233 — 401 143 14 1,311 2,102 
Net (charge-offs) recoveries(951)— 249 (28)14 (36)(752)
Provision for credit losses on loans353 752 (640)(1,304)(49)888 — 
Ending balance$36,994 $15,729 $31,303 $74,893 $1,511 $11,924 $172,354 
Six Months Ended June 30, 2021
Allowance for credit losses:
Beginning balance$39,031 $16,047 $32,165 $76,127 $1,624 $11,150 $176,144 
Charge-offs(4,682)(52)(253)(232)— (3,005)(8,224)
Recoveries522 13 662 314 25 2,898 4,434 
Net (charge-offs) recoveries(4,160)(39)409 82 25 (107)(3,790)
Provision for credit losses on loans2,123 (279)(1,271)(1,316)(138)881 — 
Ending balance$36,994 $15,729 $31,303 $74,893 $1,511 $11,924 $172,354 
Period-End Amount Allocated to:
Individually evaluated$9,121 $— $228 $4,207 $— $612 $14,168 
Collectively evaluated27,873 15,729 31,075 70,686 1,511 11,312 158,186 
Ending balance$36,994 $15,729 $31,303 $74,893 $1,511 $11,924 $172,354 
Loans:
Individually evaluated$14,409 $— $5,017 $20,810 $— $636 $40,872 
Collectively evaluated1,620,224 1,051,359 2,697,074 4,509,359 74,003 156,351 10,108,370 
Ending balance$1,634,633 $1,051,359 $2,702,091 $4,530,169 $74,003 $156,987 $10,149,242 
Nonaccruing loans with no allowance for credit losses$2,826 $— $2,841 $4,953 $— $10 $10,630 
Unfunded loan commitments, allowance for credit losses
Three Months Ended June 30,20222021
Allowance for credit losses on unfunded loan commitments:
Beginning balance$19,485 $20,535 
Provision for credit losses on unfunded loan commitments (included in other noninterest expense) 450 — 
Ending balance$19,935 $20,535 
Six Months Ended June 30,20222021
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)(100)— 
Ending balance$19,935 $20,535