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Loans and Leases (Tables)
 12 Months Ended
Dec. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]  
Loans And Leases Outstanding
Loans and leases outstanding include the following at December 31, 2021 and 2020:
(Dollars in thousands)December 31, 2021December 31, 2020
Commercial:
Construction and land development$1,111,797 $985,424 
Owner occupied commercial mortgage11,992,625 11,165,012 
Non-owner occupied commercial mortgage2,971,393 2,987,689 
Commercial and industrial and leases5,710,652 5,013,644 
SBA-PPP493,821 2,406,291 
Total commercial loans and leases22,280,288 22,558,060 
Consumer:
Residential mortgage5,679,919 5,561,686 
Revolving mortgage1,795,005 2,052,854 
Construction and land development399,570 348,123 
Consumer auto1,331,388 1,255,402 
Consumer other547,728 552,968 
Total consumer loans9,753,610 9,771,033 
Total non-PCD loans and leases32,033,898 32,329,093 
PCD loans337,624 462,882 
Total loans and leases$32,371,522 $32,791,975 
Recorded Investment, By Class, In Loans And Leases On Nonaccrual Status And Loans And Leases Greater Than 90 Days Past Due And Still Accruing
The aging of the outstanding loans and leases, by class, at December 31, 2021 and 2020, is provided in the tables below. Loans and leases 30 days or less past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and still remain in compliance with the loan agreement.
December 31, 2021
(Dollars in thousands)30-59 days
past due		60-89 days
past due		90 days or greaterTotal past
due		CurrentTotal loans
and leases
Commercial:
Construction and land development$456 $— $2,099 $2,555 $1,109,242 $1,111,797 
Owner occupied commercial mortgage18,073 517 6,929 25,519 11,967,106 11,992,625 
Non-owner occupied commercial mortgage1,335 33 2,217 3,585 2,967,808 2,971,393 
Commercial and industrial and leases7,909 3,714 6,238 17,861 5,692,791 5,710,652 
SBA-PPP— — — — 493,821 493,821 
Total commercial loans27,773 4,264 17,483 49,520 22,230,768 22,280,288 
Consumer:
Residential mortgage18,585 4,066 14,205 36,856 5,643,063 5,679,919 
Revolving mortgage5,446 2,086 4,612 12,144 1,782,861 1,795,005 
Construction and land development 388 — 41 429 399,141 399,570 
Consumer auto5,628 1,134 1,214 7,976 1,323,412 1,331,388 
Consumer other2,335 2,013 1,154 5,502 542,226 547,728 
Total consumer loans32,382 9,299 21,226 62,907 9,690,703 9,753,610 
PCD loans10,898 2,899 13,160 26,957 310,667 337,624 
Total loans and leases$71,053 $16,462 $51,869 $139,384 $32,232,138 $32,371,522 
December 31, 2020
(Dollars in thousands)30-59 days
past due		60-89 days
past due		90 days or greaterTotal past
due		CurrentTotal loans
and leases
Commercial:
Construction and land development$956 $527 $1,603 $3,086 $982,338 $985,424 
Owner occupied commercial mortgage8,757 2,232 14,082 25,071 11,139,941 11,165,012 
Non-owner occupied commercial mortgage12,370 — 5,973 18,343 2,969,346 2,987,689 
Commercial and industrial and leases14,532 2,842 3,243 20,617 4,993,027 5,013,644 
SBA-PPP— — — — 2,406,291 2,406,291 
Total commercial loans36,615 5,601 24,901 67,117 22,490,943 22,558,060 
Consumer:
Residential mortgage43,218 8,364 31,690 83,272 5,478,414 5,561,686 
Revolving mortgage11,977 2,626 7,415 22,018 2,030,836 2,052,854 
Construction and land development 932 77 330 1,339 346,784 348,123 
Consumer auto6,825 1,835 1,076 9,736 1,245,666 1,255,402 
Consumer other3,610 1,464 1,505 6,579 546,389 552,968 
Total consumer loans66,562 14,366 42,016 122,944 9,648,089 9,771,033 
PCD loans18,322 6,076 31,026 55,424 407,458 462,882 
Total loans and leases$121,499 $26,043 $97,943 $245,485 $32,546,490 $32,791,975 
The amortized cost, by class, of loans and leases on nonaccrual status, and loans and leases greater than 90 days past due and still accruing at December 31, 2021 and December 31, 2020, were as follows:
 December 31, 2021December 31, 2020
(Dollars in thousands)Nonaccrual
loans and
leases		Loans and
leases > 90
days and
accruing		Nonaccrual
loans and
leases		Loans and
leases > 90 days and accruing
Commercial:
Construction and land development$2,128 $— $1,661 $— 
Owner occupied commercial mortgage11,355 4,573 23,103 3,625 
Non-owner occupied commercial mortgage4,420 197 7,932 147 
Commercial and industrial and leases17,384 661 10,626 540 
Total commercial loans35,287 5,431 43,322 4,312 
Consumer:
Residential mortgage35,395 — 66,345 — 
Revolving mortgage15,882 — 22,236 — 
Construction and land development482 — 652 — 
Consumer auto3,089 — 3,166 — 
Consumer other555 951 823 1,195 
Total consumer loans55,403 951 93,222 1,195 
PCD loans29,616 543 54,939 355 
Total loans and leases$120,306 $6,925 $191,483 $5,862 
Financing Receivable Credit Quality Indicators
The following tables represent current credit quality indicators by origination year as of December 31, 2021.
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$467,540 $374,206 $178,035 $23,546 $43,541 $8,419 $9,491 $— $1,104,778 
Special Mention18 152 283 — 45 — — — 498 
Substandard975 35 61 1,439 4,002 9 — — 6,521 
Total468,533 374,393 178,379 24,985 47,588 8,428 9,491 — 1,111,797 
Owner occupied commercial mortgage
Pass3,042,301 3,016,532 1,868,940 1,193,126 960,346 1,538,984 125,025 115 11,745,369 
Special Mention2,924 35,390 35,949 22,247 11,399 20,233 4,598 70 132,810 
Substandard28,456 6,239 14,817 10,590 17,362 31,565 5,417 — 114,446 
Total3,073,681 3,058,161 1,919,706 1,225,963 989,107 1,590,782 135,040 185 11,992,625 
Non-owner occupied commercial mortgage
Pass628,953 734,538 577,953 261,504 261,946 388,956 35,297 — 2,889,147 
Special Mention1,252 — 262 2,602 32 5,083 — — 9,231 
Substandard5,364 10,367 22,754 9,106 6,973 16,502 549 — 71,615 
Doubtful— — — — 1,400 — — — 1,400 
Total635,569 744,905 600,969 273,212 270,351 410,541 35,846 — 2,971,393 
Commercial and industrial and leases
Pass1,767,047 1,042,730 636,334 298,326 165,371 289,044 1,338,162 4,983 5,541,997 
Special Mention2,455 7,859 20,225 2,493 3,769 3,517 5,455 296 46,069 
Substandard15,752 6,579 3,111 4,000 1,642 2,679 15,911 864 50,538 
Doubtful— — — — — — 1 — 1 
Ungraded— — — — — — 72,047 — 72,047 
Total1,785,254 1,057,168 659,670 304,819 170,782 295,240 1,431,576 6,143 5,710,652 
SBA-PPP
Pass450,550 43,271 — — — — — — 493,821 
Total commercial$6,413,587 $5,277,898 $3,358,724 $1,828,979 $1,477,828 $2,304,991 $1,611,953 $6,328 $22,280,288 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$1,964,807 $1,561,214 $607,551 $359,581 $339,318 $789,770 $20,822 $— $5,643,063 
30-59 days1,809 2,011 2,045 1,866 1,385 9,469 — — 18,585 
60-89 days465 26 67 649 507 2,352 — — 4,066 
90 days or greater225 428 681 1,998 744 10,129 — — 14,205 
Total1,967,306 1,563,679 610,344 364,094 341,954 811,720 20,822 — 5,679,919 
Revolving mortgage
Current— — — — — — 1,671,148 111,713 1,782,861 
30-59 days— — — — — — 3,688 1,758 5,446 
60-89 days— — — — — — 256 1,830 2,086 
90 days or greater— — — — — — 1,957 2,655 4,612 
Total— — — — — — 1,677,049 117,956 1,795,005 
Construction and land development
Current241,692 122,259 20,782 6,665 4,835 1,630 1,278 — 399,141 
30-59 days55 285 27 — 11 10 — — 388 
60-89 days— — — — — — — — — 
90 days or greater— — — — — 41 — — 41 
Total241,747 122,544 20,809 6,665 4,846 1,681 1,278 — 399,570 
Consumer auto
Current596,617 343,230 198,455 118,540 48,405 18,165 — — 1,323,412 
30-59 days1,331 1,570 1,265 879 409 174 — — 5,628 
60-89 days184 429 296 147 48 30 — — 1,134 
90 days or greater428 297 156 228 87 18 — — 1,214 
Total598,560 345,526 200,172 119,794 48,949 18,387 — — 1,331,388 
Consumer other
Current132,402 23,856 11,019 4,402 2,362 28,099 340,086 — 542,226 
30-59 days205 125 23 1 — 25 1,956 — 2,335 
60-89 days697 20 36 — — 1 1,259 — 2,013 
90 days or greater45 7 1 1 — — 1,100 — 1,154 
Total133,349 24,008 11,079 4,404 2,362 28,125 344,401 — 547,728 
Total consumer2,940,962 2,055,757 842,404 494,957 398,111 859,913 2,043,550 117,956 9,753,610 
PCD loans
Current— 22,154 20,896 20,486 21,739 200,915 10,070 14,407 310,667 
30-59 days— 798 98 479 164 9,173 — 186 10,898 
60-89 days— 302 143 158 22 2,196 — 78 2,899 
90 days or greater— 483 222 275 403 10,697 28 1,052 13,160 
Total PCD— 23,737 21,359 21,398 22,328 222,981 10,098 15,723 337,624 
Total loans and leases$9,354,549 $7,357,392 $4,222,487 $2,345,334 $1,898,267 $3,387,885 $3,665,601 $140,007 $32,371,522 
The following tables represent current credit quality indicators by origination year as of December 31, 2020.
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20202019201820172016PriorRevolving loansRevolving loans converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$342,183 $341,233 $190,429 $50,776 $23,969 $11,306 $10,969 $— $970,865 
Special Mention246 — 6,421 5,342 — — 153 — 12,162 
Substandard229 629 1,450 — 8 81 — — 2,397 
Total342,658 341,862 198,300 56,118 23,977 11,387 11,122 — 985,424 
Owner occupied commercial mortgage
Pass3,183,467 2,201,165 1,625,141 1,301,412 1,049,858 1,454,020 101,556 133 10,916,752 
Special Mention6,274 20,702 36,739 12,387 17,699 25,693 5,115 72 124,681 
Substandard10,280 19,052 9,842 20,928 13,736 41,303 8,438 — 123,579 
Total3,200,021 2,240,919 1,671,722 1,334,727 1,081,293 1,521,016 115,109 205 11,165,012 
Non-owner occupied commercial mortgage
Pass865,514 609,975 378,136 331,800 282,810 391,517 32,149 — 2,891,901 
Special Mention569 905 10,794 1,808 5,121 3,279 483 — 22,959 
Substandard2,899 18,546 12,296 8,764 14,087 15,427 810 — 72,829 
Total868,982 629,426 401,226 342,372 302,018 410,223 33,442 — 2,987,689 
Commercial and industrial and leases
Pass1,620,622 983,852 504,463 310,468 234,735 286,996 899,978 5,520 4,846,634 
Special Mention3,146 17,065 7,265 5,393 3,307 4,912 9,152 189 50,429 
Substandard17,811 4,095 4,370 4,257 2,548 3,801 22,384 983 60,249 
Ungraded— — — — — — 56,332 — 56,332 
Total1,641,579 1,005,012 516,098 320,118 240,590 295,709 987,846 6,692 5,013,644 
SBA-PPP
Pass2,406,291 — — — — — — — 2,406,291 
Total commercial$8,459,531 $4,217,219 $2,787,346 $2,053,335 $1,647,878 $2,238,335 $1,147,519 $6,897 $22,558,060 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20202019201820172016PriorRevolving loansRevolving loans converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$1,882,683 $978,298 $655,798 $596,309 $461,719 $878,634 $24,973 $— $5,478,414 
30-59 days2,278 4,573 11,463 3,772 8,613 12,299 220 — 43,218 
60-89 days30 100 1,246 1,449 834 4,705 — — 8,364 
90 days or greater282 4,831 3,150 4,015 5,689 13,723 — — 31,690 
Total1,885,273 987,802 671,657 605,545 476,855 909,361 25,193 — 5,561,686 
Revolving mortgage
Current— — — — — — 1,879,968 150,868 2,030,836 
30-59 days— — — — — — 8,241 3,736 11,977 
60-89 days— — — — — — 527 2,099 2,626 
90 days or greater— — — — — — 2,301 5,114 7,415 
Total— — — — — — 1,891,037 161,817 2,052,854 
Construction and land development
Current215,112 85,707 24,860 10,269 6,093 2,218 2,525 — 346,784 
30-59 days— 420 121 370 — 21 — — 932 
60-89 days— — — 9 — 68 — — 77 
90 days or greater— — — — — 330 — — 330 
Total215,112 86,127 24,981 10,648 6,093 2,637 2,525 — 348,123 
Consumer auto
Current521,719 340,594 219,597 104,280 49,872 9,604 — — 1,245,666 
30-59 days2,175 1,873 1,257 842 544 134 — — 6,825 
60-89 days329 689 312 351 109 45 — — 1,835 
90 days or greater170 527 217 57 102 3 — — 1,076 
Total524,393 343,683 221,383 105,530 50,627 9,786 — — 1,255,402 
Consumer other
Current53,842 27,117 10,911 7,159 2,980 29,336 415,044 — 546,389 
30-59 days322 114 77 18 11 7 3,061 — 3,610 
60-89 days102 20 13 18 3 23 1,285 — 1,464 
90 days or greater53 84 8 — — — 1,360 — 1,505 
Total54,319 27,335 11,009 7,195 2,994 29,366 420,750 — 552,968 
Total consumer2,679,097 1,444,947 929,030 728,918 536,569 951,150 2,339,505 161,817 9,771,033 
PCD loans
Current31,475 25,425 27,183 27,955 28,995 232,186 13,212 21,027 407,458 
30-59 days999 925 801 718 1,341 12,637 156 745 18,322 
60-89 days447 81 312 695 97 4,098 9 337 6,076 
90 days or greater721 2,325 4,755 1,208 897 19,963 111 1,046 31,026 
Total PCD33,642 28,756 33,051 30,576 31,330 268,884 13,488 23,155 462,882 
Total loans and leases$11,172,270 $5,690,922 $3,749,427 $2,812,829 $2,215,777 $3,458,369 $3,500,512 $191,869 $32,791,975 
Schedule of Loans Pledged as Collateral
The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta and the Federal Reserve Bank (“FRB”) as of December 31, 2021 and 2020:
(Dollars in thousands)December 31, 2021December 31, 2020
FHLB of Atlanta
Lendable collateral value of pledged non-PCD loans$9,563,947 $8,637,844 
Less: advances644,659 652,675 
Available borrowing capacity$8,919,288 $7,985,169 
Pledged non-PCD loans$14,507,109 $12,157,153 
FRB
Lendable collateral value of pledged non-PCD loans$3,950,649 $3,321,762 
Less: advances— — 
Available borrowing capacity$3,950,649 $3,321,762 
Pledged non-PCD loans$4,806,443 $4,104,866 
Schedule of Amortized Cost of Loans
The following table presents selected components of the amortized cost of loans.
(Dollars in thousands)December 31, 2021December 31, 2020
Deferred fees, including unearned fees and unamortized costs on non-PCD loans
Net deferred fees related to SBA-PPP loans$14,882 $41,064 
Net deferred fees related to other portfolios16,9039,153
Total net deferred fees$31,785 $50,217 
Net unamortized discount on purchased loans
Non-PCD$11,428 $19,473 
PCD29,008 45,254 
Total$40,436 $64,727