Loans (Tables)

12 Months Ended

Dec. 31, 2019

Loans and Leases Receivable, Net Amount [Abstract]

Schedule of Loans by Class

The following table presents loans by class as of the dates indicated:

December 31,	2019		2018
Real estate loans:
Commercial	$	3,484.7	$	3,235.4
Construction:
Land acquisition & development	302.1		321.6
Residential	244.1		242.8
Commercial	431.5		274.3
Total construction loans	977.7		838.7
Residential	1,546.1		1,542.0
Agricultural	226.6		217.4
Total real estate loans	6,235.1		5,833.5
Consumer:
Indirect consumer	784.6		787.8
Other consumer	179.0		200.6
Credit card	81.6		81.8
Total consumer loans	1,045.2		1,070.2
Commercial	1,371.3		1,310.3
Agricultural	279.1		254.8
Other, including overdrafts	—		1.6
Loans held for investment	8,930.7		8,470.4
Mortgage loans held for sale	100.9		33.3
Total loans	$	9,031.6	$	8,503.7

Deteriorated Loans Transferred in

The following table displays the outstanding unpaid principal balance and accrual status of loans acquired with credit impairment as of December 31, 2019 and 2018.    

December 31,	2019		2018
Outstanding principal	$	49.8	$	43.4
Carrying value:
Loans on accrual status	36.8		30.2
Total carrying value	$	36.8	$	30.2

The following table summarizes changes in the accretable yield for loans acquired credit impaired for the years ended December 31, 2019, 2018, and 2017:

Year Ended December 31,	2019			2018			2017
Beginning balance	$	8.9		$	7.3		$	6.8
Acquisitions	3.4			3.2			1.9
Additions	—			0.6			0.1
Accretion income	(3.4		)	(3.1		)	(2.9		)
Reductions due to exit events	(1.4		)	(1.1		)	(1.5		)
Reclassifications from nonaccretable differences	2.5			2.0			2.9
Ending balance	$	10.0		$	8.9		$	7.3

Schedule of Recorded Investment in Past Due Loans by Class

The following tables present the contractual aging of the Company’s recorded investment in past due loans by class as of the period indicated:

							Total Loans
	30 - 59		60 - 89		> 90		30 or More
	Days		Days		Days		Days		Current		Non-accrual		Total
As of December 31, 2019	Past Due		Past Due		Past Due		Past Due		Loans		Loans		Loans
Real estate
Commercial	$	5.5	$	1.1	$	0.6	$	7.2	$	3,464.5	$	13.0	$	3,484.7
Construction:
Land acquisition & development	0.7		0.8		0.3		1.8		298.9		1.4		302.1
Residential	1.5		0.8		—		2.3		241.8		—		244.1
Commercial	—		—		—		—		431.0		0.5		431.5
Total construction loans	2.2		1.6		0.3		4.1		971.7		1.9		977.7
Residential	3.8		1.4		1.1		6.3		1,535.2		4.6		1,546.1
Agricultural	0.8		0.5		—		1.3		220.1		5.2		226.6
Total real estate loans	12.3		4.6		2.0		18.9		6,191.5		24.7		6,235.1
Consumer:
Indirect consumer	7.6		1.9		0.5		10.0		773.0		1.6		784.6
Other consumer	1.2		0.5		0.1		1.8		176.7		0.5		179.0
Credit card	0.8		0.5		0.8		2.1		79.5		—		81.6
Total consumer loans	9.6		2.9		1.4		13.9		1,029.2		2.1		1,045.2
Commercial	4.8		2.6		2.3		9.7		1,347.9		13.7		1,371.3
Agricultural	0.9		0.1		—		1.0		275.7		2.4		279.1
Other, including overdrafts	—		—		—		—		—		—		—
Loans held for investment	27.6		10.2		5.7		43.5		8,844.3		42.9		8,930.7
Mortgage loans originated for sale	—		—		—		—		100.9		—		100.9
Total loans	$	27.6	$	10.2	$	5.7	$	43.5	$	8,945.2	$	42.9	$	9,031.6

							Total Loans
	30 - 59		60 - 89		> 90		30 or More
	Days		Days		Days		Days		Current		Non-accrual		Total
As of December 31, 2018	Past Due		Past Due		Past Due		Past Due		Loans		Loans		Loans
Real estate
Commercial	$	10.4	$	1.0	$	0.8	$	12.2	$	3,214.0	$	9.2	$	3,235.4
Construction:
Land acquisition & development	1.6		0.1		0.2		1.9		316.0		3.7		321.6
Residential	1.0		0.4		—		1.4		240.4		1.0		242.8
Commercial	0.4		—		—		0.4		273.7		0.2		274.3
Total construction loans	3.0		0.5		0.2		3.7		830.1		4.9		838.7
Residential	8.8		1.1		0.2		10.1		1,525.3		6.6		1,542.0
Agricultural	2.2		—		—		2.2		202.6		12.6		217.4
Total real estate loans	24.4		2.6		1.2		28.2		5,772.0		33.3		5,833.5
Consumer:
Indirect consumer	6.8		2.1		0.4		9.3		776.8		1.7		787.8
Other consumer	1.4		0.5		0.1		2.0		198.1		0.5		200.6
Credit card	0.9		0.4		0.8		2.1		79.7		—		81.8
Total consumer loans	9.1		3.0		1.3		13.4		1,054.6		2.2		1,070.2
Commercial	8.3		1.2		1.3		10.8		1,283.7		15.8		1,310.3
Agricultural	2.1		0.3		—		2.4		249.4		3.0		254.8
Other, including overdrafts	—		—		—		—		1.6		—		1.6
Loans held for investment	43.9		7.1		3.8		54.8		8,361.3		54.3		8,470.4
Mortgage loans originated for sale	—		—		—		—		33.3		—		33.3
Total loans	$	43.9	$	7.1	$	3.8	$	54.8	$	8,394.6	$	54.3	$	8,503.7

Schedule of Recorded Investment in Impaired Loans

The following tables present information on the Company’s recorded investment in impaired loans as of dates indicated:

	December 31, 2019
	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	29.2	$	12.9	$	10.8	$	23.7	$	0.7
Construction:
Land acquisition & development	9.2		0.4		2.6		3.0		0.5
Residential	0.1		—		—		—		—
Commercial	1.0		0.5		—		0.5		0.1
Total construction loans	10.3		0.9		2.6		3.5		0.6
Residential	6.9		3.9		1.8		5.7		0.2
Agricultural	8.6		5.2		3.0		8.2		0.2
Total real estate loans	55.0		22.9		18.2		41.1		1.7
Commercial	25.5		12.0		5.3		17.3		1.7
Agricultural	6.9		2.3		4.0		6.3		0.2
Total	$	87.4	$	37.2	$	27.5	$	64.7	$	3.6

	December 31, 2018
	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	22.2	$	8.6	$	7.7	$	16.3	$	0.7
Construction:
Land acquisition & development	10.0		0.4		3.5		3.9		0.2
Residential	1.1		0.6		0.4		1.0		0.1
Commercial	0.7		0.2		—		0.2		—
Total construction loans	11.8		1.2		3.9		5.1		0.3
Residential	8.8		5.7		2.0		7.7		0.3
Agricultural	12.9		12.5		0.2		12.7		—
Total real estate loans	55.7		28.0		13.8		41.8		1.3
Commercial	24.1		5.5		14.4		19.9		5.2
Agricultural	3.2		2.5		0.6		3.1		0.3
Total	$	83.0	$	36.0	$	28.8	$	64.8	$	6.8

	December 31, 2017
	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	45.6	$	20.9	$	14.1	$	35.0	$	3.9
Construction:
Land acquisition & development	10.0		3.4		0.5		3.9		—
Residential	1.8		1.7		—		1.7		—
Commercial	4.7		0.4		3.5		3.9		2.2
Total construction loans	16.5		5.5		4.0		9.5		2.2
Residential	11.5		8.2		2.0		10.2		0.1
Agricultural	3.7		3.6		—		3.6		—
Total real estate loans	77.3		38.2		20.1		58.3		6.2
Commercial	29.5		12.4		11.4		23.8		4.4
Agricultural	1.1		0.8		0.3		1.1		0.2
Total	$	107.9	$	51.4	$	31.8	$	83.2	$	10.8

The following tables present the average recorded investment in and income recognized on impaired loans for the periods indicated:

	Year Ended December 31,
	2019				2018				2017
	Average Recorded Investment		Income Recognized		Average Recorded Investment		Income Recognized		Average Recorded Investment		Income Recognized
Real estate	$	41.4	$	0.1	$	50.0	$	0.1	$	63.5	$	0.3
Commercial	18.7		0.2		21.9		0.2		28.1		0.2
Agricultural	4.6		—		2.1		—		2.4		—
Total	$	64.7	$	0.3	$	74.0	$	0.3	$	94.0	$	0.5

Schedule of Loans Renegotiated in Troubled Debt Restructurings

The following table presents information on the Company’s troubled debt restructurings that occurred during the periods indicated:

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Year Ended December 31, 2019		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other
Commercial real estate	4	$	0.2	$	0.2	$	—	$	2.9	$	3.3
Commercial	1	—		—		—		5.0		5.0
Agriculture	6	—		—		—		2.1		2.1
Total loans restructured	11	$	0.2	$	0.2	$	—	$	10.0	$	10.4

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Year Ended December 31, 2018		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other
Commercial real estate	3	$	3.6	$	—	$	—	$	—	$	3.6
Agriculture real estate	1	—		—		—		0.2		0.2
Consumer	1	—		—		—		0.3		0.3
Total loans restructured	5	$	3.6	$	—	$	—	$	0.5	$	4.1

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Year Ended December 31, 2017		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other
Commercial	17	$	1.2	$	2.0	$	—	$	6.0	$	9.2
Agriculture	1	—		0.1		—		—		0.1
Total loans restructured	24	$	2.7	$	3.3	$	—	$	6.9	$	12.9

Schedule of Recorded Investment in Criticized Loans by Class and Credit Quality Indicator

The following tables present the Company’s recorded investment in criticized loans by class and credit quality indicator based on the most recent analysis performed as of the dates indicated:

As of December 31, 2019	Other Assets Especially Mentioned		Substandard		Doubtful		Total Criticized Loans
Real estate:
Commercial	$	84.7	$	97.3	$	0.8	$	182.8
Construction:
Land acquisition & development	3.8		1.9		1.0		6.7
Residential	0.9		2.2		—		3.1
Commercial	1.7		1.5		—		3.2
Total construction loans	6.4		5.6		1.0		13.0
Residential	2.6		7.8		0.3		10.7
Agricultural	14.3		26.6		—		40.9
Total real estate loans	108.0		137.3		2.1		247.4
Consumer:
Indirect consumer	0.2		2.9		—		3.1
Direct consumer	0.4		0.8		0.1		1.3
Total consumer loans	0.6		3.7		0.1		4.4
Commercial	40.4		60.3		3.6		104.3
Agricultural	8.5		22.7		0.1		31.3
Total	$	157.5	$	224.0	$	5.9	$	387.4

As of December 31, 2018	Other Assets Especially Mentioned		Substandard		Doubtful		Total Criticized Loans
Real estate:
Commercial	$	102.5	$	87.4	$	2.9	$	192.8
Construction:
Land acquisition & development	5.0		7.0		3.3		15.3
Residential	2.8		2.0		0.4		5.2
Commercial	1.7		3.9		—		5.6
Total construction loans	9.5		12.9		3.7		26.1
Residential	3.0		10.8		0.7		14.5
Agricultural	9.0		24.0		0.1		33.1
Total real estate loans	124.0		135.1		7.4		266.5
Consumer:
Indirect consumer	0.7		2.1		0.1		2.9
Direct consumer	0.3		0.8		0.1		1.2
Total consumer loans	1.0		2.9		0.2		4.1
Commercial	39.4		45.8		11.8		97.0
Agricultural	14.4		17.8		1.5		33.7
Total	$	178.8	$	201.6	$	20.9	$	401.3