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Allowance for Credit Losses
 12 Months Ended
Dec. 31, 2022
Receivables [Abstract]  
Allowance for Credit Losses Allowance for Credit Losses
(In Thousands)
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, 2022
Allowance for credit losses on loans:
Beginning balance$33,922 $16,419 $32,356 $68,940 $1,486 $11,048 $164,171 
Impact of PCD loans acquired during the period11,460 — — — — — 11,460 
Charge-offs(5,120)— (757)(5,134)(7)(3,167)(14,185)
Recoveries2,471 — 821 418 146 3,000 6,856 
Net charge-offs(2,649)— 64 (4,716)139 (167)(7,329)
Provision (recoveries) of credit losses on loans1,522 2,695 12,307 7,574 838 (1,148)23,788 
Ending balance$44,255 $19,114 $44,727 $71,798 $2,463 $9,733 $192,090 
Period-End Amount Allocated to:
Individually evaluated$4,397 $— $46 $1,729 $— $270 $6,442 
Collectively evaluated39,858 19,114 44,681 70,069 2,463 9,463 185,648 
Ending balance$44,255 $19,114 $44,727 $71,798 $2,463 $9,733 $192,090 
Loans:
Individually evaluated$8,536 $489 $9,202 $10,953 $— $270 $29,450 
Collectively evaluated1,665,347 1,329,848 3,207,061 5,107,110 115,013 124,475 11,548,854 
Ending balance$1,673,883 $1,330,337 $3,216,263 $5,118,063 $115,013 $124,745 $11,578,304 
Nonaccruing loans with no allowance for credit losses$464 $— $7,278 $3,157 $— $— $10,899 
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 for 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 
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. While credit metrics remained relatively stable, loan growth and acquisitions caused the Company’s allowance model to indicate that an increase to the allowance for credit losses was appropriate during 2022.
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
20222021
Allowance for credit losses on unfunded loan commitments:
Beginning balance$20,035 $20,535 
Provision for (recovery of) credit losses on unfunded loan commitments (included in other noninterest expense)83 (500)
Ending balance$20,118 $20,035