Ameris Bancorp (ABCB) 10-Q 7 May 21 2021 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2021	Apr. 30, 2021
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2021
Document Transition Report	false
Entity File Number	001-13901
Entity Registrant Name	AMERIS BANCORP
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-1456434
Entity Address, Address Line One	3490 Piedmont Rd N.E., Suite 1550
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30305
City Area Code	(404)
Local Phone Number	639-6500
Title of 12(b) Security	Common Stock, par value $1 per share
Trading Symbol	ABCB
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		69,731,426
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Entity Central Index Key	0000351569
Current Fiscal Year End Date	--12-31

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 224,159	$ 203,349
Federal funds sold and interest-bearing deposits in banks	2,534,969	1,913,957
Cash and cash equivalents	2,759,128	2,117,306
Time deposits in other banks	249	249
Investment securities available for sale, at fair value, net of allowance for credit losses at $101 and $112	859,652	982,879
Other investments	27,620	28,202
Loans held for sale (includes loan at fair value of $1,509,528 and $1,001,807)	1,509,528	1,167,659
Loans, net of unearned income	14,599,805	14,480,925
Allowance for credit losses	(178,570)	(199,422)
Loans, net	14,421,235	14,281,503
Other real estate owned, net	8,841	11,880
Premises and equipment, net	231,550	222,890
Goodwill	928,005	928,005
Other intangible assets, net	67,848	71,974
Cash value of bank owned life insurance	176,575	176,467
Deferred income taxes, net	22,367	33,314
Other assets	414,529	416,310
Total assets	21,427,127	20,438,638
Deposits:
Noninterest-bearing	6,804,776	6,151,070
Interest-bearing	11,071,097	10,806,753
Total deposits	17,875,873	16,957,823
Securities sold under agreements to repurchase	9,320	11,641
Other borrowings	425,231	425,155
Subordinated deferrable interest debentures	124,833	124,345
Other liabilities	234,274	272,586
Total liabilities	18,669,531	17,791,550
Commitments and Contingencies
Shareholders’ Equity
Preferred stock, stated value $1,000; 5,000,000 shares authorized; 0 shares issued and outstanding	0	0
Common stock, par value $1; 200,000,000 shares authorized; 71,954,088 and 71,753,705 shares issued	71,954	71,754
Capital surplus	1,917,990	1,913,285
Retained earnings	785,984	671,510
Accumulated other comprehensive income, net of tax	26,090	33,505
Treasury stock, at cost, 2,240,662 and 2,212,224 shares	(44,422)	(42,966)
Total shareholders’ equity	2,757,596	2,647,088
Total liabilities and shareholders’ equity	$ 21,427,127	$ 20,438,638

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Available-for-sale, allowance for credit loss	$ 101	$ 112
Loans held for sale, fair value	$ 1,509,528	$ 1,001,807
Preferred stock, stated value (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares Issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	71,954,088	71,753,705
Treasury stock, shares (in shares)	2,240,662	2,212,224

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Interest income
Interest and fees on loans	$ 171,157	$ 171,242
Interest on taxable securities	6,118	10,082
Interest on nontaxable securities	141	157
Interest on deposits in other banks and federal funds sold	534	1,287
Total interest income	177,950	182,768
Interest expense
Interest on deposits	6,798	24,102
Interest on other borrowings	6,175	10,721
Total interest expense	12,973	34,823
Net interest income	164,977	147,945
Provision for loan losses	(16,579)	37,047
Provision for unfunded commitments	(11,839)	4,000
Provision for other credit losses	(173)	0
Provision for credit losses	(28,591)	41,047
Net interest income after provision for credit losses	193,568	106,898
Noninterest income
Service charges on deposit accounts	10,829	11,844
Mortgage banking activity	98,486	35,333
Other service charges, commissions and fees	1,016	961
Net loss on securities	(12)	(9)
Other noninterest income	7,654	6,250
Total noninterest income	117,973	54,379
Noninterest expense
Salaries and employee benefits	95,985	75,946
Occupancy and equipment	11,781	12,028
Data processing and communications expenses	11,884	11,954
Credit resolution-related expenses	547	2,198
Advertising and marketing	1,431	2,358
Amortization of intangible assets	4,126	5,631
Merger and conversion charges	0	540
Other noninterest expenses	23,044	27,398
Total noninterest expense	148,798	138,053
Income (loss) before income tax expense	162,743	23,224
Income tax expense	37,781	3,902
Net income	124,962	19,322
Other comprehensive income (loss)
Net unrealized holding gains (losses) arising during period on investment securities available for sale, net of tax expense (benefit) of $(1,972) and $5,756	(7,415)	21,653
Net unrealized losses on cash flow hedge during the period, net of tax benefit of $0 and $(26)	0	(97)
Total other comprehensive income (loss)	(7,415)	21,556
Comprehensive income	$ 117,547	$ 40,878
Basic earnings per common share (in dollars per share)	$ 1.80	$ 0.28
Diluted earnings per common share (in dollars per share)	$ 1.79	$ 0.28
Weighted average common shares outstanding
Basic (in shares)	69,392	69,248
Diluted (in shares)	69,741	69,502

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Income Statement [Abstract]
Tax expense (benefit) from unrealized holding gain (loss) on securities arising during period	$ (1,972)	$ 5,756
Tax expense (benefit) from unrealized gain (loss) on cash flow hedges arising during period	$ 0	$ (26)

Consolidated Statements of Shar

Consolidated Statements of Shareholders’ Equity (unaudited) - USD ($) $ in Thousands	Total	Cumulative effect of change in accounting for credit losses	Common Stock	Capital Surplus	Retained Earnings	Retained EarningsCumulative effect of change in accounting for credit losses	Accumulated Other Comprehensive Income, Net of Tax	Treasury Stock
Balance at beginning of period (in shares) at Dec. 31, 2019			71,499,829					(1,995,996)
Balance at beginning of period at Dec. 31, 2019	$ 2,469,582	$ (56,704)	$ 71,500	$ 1,907,108	$ 507,950	$ (56,704)	$ 17,995	$ (34,971)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			118,625
Issuance of restricted shares	290		$ 119	171
Proceeds from exercise of stock options (in shares)			33,532
Proceeds from exercise of stock options	701		$ 33	668
Share-based compensation	774			774
Purchase of treasury shares (in shares)								214,716
Purchase of treasury shares	(7,956)							$ (7,956)
Net income	19,322				19,322
Dividends, Common Stock, Cash	(10,415)				(10,415)
Other comprehensive income (loss) during the period	21,556						21,556
Balance at end of period (in shares) at Mar. 31, 2020			71,651,986					(2,210,712)
Balance at end of period at Mar. 31, 2020	2,437,150		$ 71,652	1,908,721	460,153		39,551	$ (42,927)
Balance at beginning of period (in shares) at Dec. 31, 2020			71,753,705					(2,212,224)
Balance at beginning of period at Dec. 31, 2020	2,647,088		$ 71,754	1,913,285	671,510		33,505	$ (42,966)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			86,075
Issuance of restricted shares	599		$ 86	513
Proceeds from exercise of stock options (in shares)			114,308
Proceeds from exercise of stock options	3,002		$ 114	2,888
Share-based compensation	1,304			1,304
Purchase of treasury shares (in shares)								28,438
Purchase of treasury shares	(1,456)							$ (1,456)
Net income	124,962				124,962
Dividends, Common Stock, Cash	(10,488)				(10,488)
Other comprehensive income (loss) during the period	(7,415)						(7,415)
Balance at end of period (in shares) at Mar. 31, 2021			71,954,088					(2,240,662)
Balance at end of period at Mar. 31, 2021	$ 2,757,596		$ 71,954	$ 1,917,990	$ 785,984		$ 26,090	$ (44,422)

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders’ Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Statement of Stockholders' Equity [Abstract]
Dividends declared per common share (in dollars per share)	$ 0.15	$ 0.15

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Operating Activities
Net income	$ 124,962	$ 19,322
Adjustments reconciling net income to net cash provided by (used in) operating activities:
Depreciation	4,080	3,916
Net losses on sale or disposal of premises and equipment	139	125
Net write-downs on other assets	122	417
Provision for credit losses	(28,591)	41,047
Net write-downs and (gains) losses on sale of other real estate owned	(560)	885
Share-based compensation expense	1,753	559
Amortization of intangible assets	4,126	5,631
Amortization of operating lease right of use assets	2,979	3,400
Provision for deferred taxes	12,919	(7,333)
Net amortization of investment securities available for sale	1,121	1,385
Net loss on securities	12	9
Accretion of discount on purchased loans, net	(6,127)	(6,320)
Net amortization on other borrowings	112	46
Amortization of subordinated deferrable interest debentures	488	485
Loan servicing asset impairment (recovery)	(10,639)	22,165
Originations of mortgage loans held for sale	(2,340,847)	(1,252,379)
Payments received on mortgage loans held for sale	10,680	14,957
Proceeds from sales of mortgage loans held for sale	1,816,503	1,530,122
Net gains on mortgage loans held for sale	(41,720)	(40,809)
Originations of SBA loans	(11,976)	(11,647)
Proceeds from sales of SBA loans	12,518	20,062
Net gains on sale of SBA loans	(1,192)	(1,824)
Increase in cash surrender value of bank owned life insurance	(814)	(969)
Gain on bank owned life insurance proceeds	(603)	0
Net gains on other loans held for sale	(457)	0
Changes in FDIC loss-share payable, net of cash payments	0	(1,506)
Change attributable to other operating activities	(13,597)	(40,757)
Net cash provided by (used in) operating activities	(464,609)	300,989
Investing Activities, net of effects of business combinations
Proceeds from prepayments and maturities of securities available for sale	112,730	76,386
Net (increase) decrease in other investments	570	(14,844)
Net increase in loans	(72,093)	(264,063)
Purchases of premises and equipment	(13,809)	(3,572)
Proceeds from sale of premises and equipment	930	0
Proceeds from sales of other real estate owned	4,048	1,284
Payments paid to FDIC under loss-share agreements	0	(25)
Proceeds from bank owned life insurance	1,309	0
Payments received on other loans held for sale	9,136	0
Proceeds from sales of other loans held for sale	156,803	0
Net cash and cash equivalents received from acquisitions	0	2
Net cash provided by (used in) investing activities	199,624	(204,832)
Financing Activities, net of effects of business combinations
Net increase (decrease) in deposits	918,050	(182,455)
Net decrease in securities sold under agreements to repurchase	(2,321)	(5,475)
Proceeds from other borrowings	0	2,770,000
Repayment of other borrowings	(36)	(2,625,084)
Repayment of subordinated deferrable interest debentures	0	(5,155)
Proceeds from exercise of stock options	3,002	701
Dividends paid - common stock	(10,432)	(10,426)
Purchase of treasury shares	(1,456)	(7,956)
Net cash provided by (used in) financing activities	906,807	(65,850)
Net increase in cash and cash equivalents	641,822	30,307
Cash and cash equivalents at beginning of period	2,117,306	621,849
Cash and cash equivalents at end of period	2,759,128	652,156
Cash paid (received) during the period for:
Interest	11,335	35,234
Income taxes	(1)	(77)
Loans transferred to other real estate owned	449	3,674
Loans transferred from loans held for sale to loans held for investment	48,313	0
Loans provided for the sales of other real estate owned	0	299
Right-of-use assets obtained in exchange for new operating lease liabilities	0	2,889
Change in unrealized gain (loss) on securities available for sale, net of tax	(7,415)	21,653
Change in unrealized gain (loss) on cash flow hedge, net of tax	$ 0	$ (97)

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION AND ACCOUNTING POLICIES	NOTE 1 – BASIS OF PRESENTATION AND ACCOUNTING POLICIES Nature of Business Ameris Bancorp (the “Company” or “Ameris”) is a financial holding company headquartered in Atlanta, Georgia. Ameris conducts substantially all of its operations through its wholly owned banking subsidiary, Ameris Bank (the “Bank”). At March 31, 2021, the Bank operated 165 branches in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. Our business model capitalizes on the efficiencies of a large financial services company, while still providing the community with the personalized banking service expected by our customers. We manage our Bank through a balance of decentralized management responsibilities and efficient centralized operating systems, products and loan underwriting standards. The Company’s Board of Directors and senior managers establish corporate policy, strategy and administrative policies. Within our established guidelines and policies, the banker closest to the customer responds to the differing needs and demands of his or her unique market. Basis of Presentation The accompanying unaudited consolidated financial statements for Ameris have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statement presentation. The interim consolidated financial statements included herein are unaudited but reflect all adjustments, consisting of normal recurring adjustments, which, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the interim periods presented. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the period ended March 31, 2021 are not necessarily indicative of the results to be expected for the full year. These financial statements should be read in conjunction with the financial statements and notes thereto and the report of our registered independent public accounting firm included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020, as amended. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, cash items in process of collection, amounts due from banks, interest-bearing deposits in banks and federal funds sold. The Bank is required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank of Atlanta. The required reserve rate was set to 0% effective March 26, 2020 and, accordingly, the Bank had no reserve requirement at March 31, 2021 and December 31, 2020. Reclassifications Certain reclassifications of prior year amounts have been made to conform with the current year presentations. The reclassifications had no effect on net income or shareholders' equity as previously reported. Accounting Standards Adopted in 2021 ASU 2019-12 – Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes ("ASU 2019-12") . ASU 2019-12 simplifies the accounting for income taxes by removing certain technical exceptions. ASU 2019-12 also clarifies and amends the accounting for income taxes in certain areas including, among others: (i) franchise taxes that are partially based on income; (ii) whether step ups in the tax basis of goodwill should be considered part of the acquisition to which it related or recognized as a separate transaction; and (iii) requiring the effect of an enacted change in tax laws or rates to be reflected in the annual effective tax rate computation in the interim period that includes the enactment date. During the first quarter of 2021, the Company adopted this ASU and applied the amendments in this update on a modified retrospective basis for the provision related to franchise taxes and prospectively for all other amendments. The adoption did not have a material impact on the Company's consolidated financial statements. Accounting Standards Pending Adoption ASU No. 2021-01 – Reference Rate Reform (Topic 848): Scope ("ASU 2021-01"). ASU 2021-01 clarifies that certain optional expedients and exceptions in ASC 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2021-01 also amends the expedients and exceptions in ASC 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company is currently evaluating the impact of adopting ASU 2021-01 on the consolidated financial statements. ASU No. 2020-04 – Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04"). ASU 2020-04 provides optional guidance, for a limited time, to ease the potential burden in accounting for or recognizing the effects of reference rate reform on financial reporting. The amendments, which are elective, provide expedients and exceptions for applying GAAP to contract modifications and hedging relationships affected by reference rate reform if certain criteria are met. The amendments apply only to contracts and hedging relationships that reference LIBOR or another reference rate that is expected to be discontinued due to reference rate reform. The optional expedients for contract modifications apply consistently for all contracts or transactions within the relevant Codification Topic, Subtopic, or Industry Subtopic that contains the guidance that otherwise would be required to be applied, while those for hedging relationships can be elected on an individual hedging relationship basis. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company has established a working committee with representatives from relevant functional areas to inventory the contracts and accounts that are tied to LIBOR and develop a transition plan for the affected items. The Company is currently evaluating the impact of adopting ASU 2020-04 on the consolidated financial statements.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	NOTE 2 – INVESTMENT SECURITIES The amortized cost and estimated fair value of securities available for sale along with allowance for credit losses, gross unrealized gains and losses are summarized as follows: (dollars in thousands) Amortized Allowance for Credit Losses Gross Gross Estimated March 31, 2021 U.S. government sponsored agencies $ 12,138 $ — $ 256 $ — $ 12,394 State, county and municipal securities 60,140 — 2,845 — 62,985 Corporate debt securities 46,131 (101) 946 (229) 46,747 SBA pool securities 54,305 — 1,488 (102) 55,691 Mortgage-backed securities 654,015 — 27,851 (31) 681,835 Total debt securities $ 826,729 $ (101) $ 33,386 $ (362) $ 859,652 December 31, 2020 U.S. government sponsored agencies $ 17,161 $ — $ 343 $ — $ 17,504 State, county and municipal securities 63,286 — 3,492 — 66,778 Corporate debt securities 51,639 (112) 602 (233) 51,896 SBA pool securities 59,973 — 2,620 (96) 62,497 Mortgage-backed securities 748,521 — 35,797 (114) 784,204 Total debt securities $ 940,580 $ (112) $ 42,854 $ (443) $ 982,879 The amortized cost and estimated fair value of debt securities available for sale securities as of March 31, 2021, by contractual maturity are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying these securities may be called or repaid without penalty. Therefore, these securities are not included in the maturity categories in the following maturity summary: ( dollars in thousands) Amortized Estimated Fair Value Due in one year or less $ 20,247 $ 20,462 Due from one year to five years 48,460 50,244 Due from five to ten years 59,558 61,722 Due after ten years 44,449 45,389 Mortgage-backed securities 654,015 681,835 $ 826,729 $ 859,652 Securities with a carrying value of approximately $372.8 million and $438.7 million at March 31, 2021 and December 31, 2020, respectively, serve as collateral to secure public deposits, securities sold under agreements to repurchase and for other purposes required or permitted by law. The following table shows the gross unrealized losses and estimated fair value of securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at March 31, 2021 and December 31, 2020: Less Than 12 Months 12 Months or More Total (dollars in thousands) Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2021 Corporate debt securities $ 2,920 $ (229) $ — $ — $ 2,920 $ (229) SBA pool securities 1,755 (13) 3,798 (89) 5,553 (102) Mortgage-backed securities 10,102 (28) 374 (3) 10,476 (31) Total debt securities $ 14,777 $ (270) $ 4,172 $ (92) $ 18,949 $ (362) December 31, 2020 Corporate debt securities $ 10,159 $ (233) $ — $ — $ 10,159 $ (233) SBA pool securities — — 3,948 (96) 3,948 (96) Mortgage-backed securities 24,120 (114) 2 — 24,122 (114) Total debt securities $ 34,279 $ (347) $ 3,950 $ (96) $ 38,229 $ (443) As of March 31, 2021, the Company’s security portfolio consisted of 488 securities, 33 of which were in an unrealized loss position. At March 31, 2021, the Company held 21 mortgage-backed securities that were in an unrealized loss position, all of which were issued by U.S. government-sponsored entities and agencies. At March 31, 2021, the Company held nine U.S. Small Business Administration (“SBA”) pool securities and three corporate securities that were in an unrealized loss position. During 2021 and 2020, the Company received timely and current interest and principal payments on all of the securities classified as corporate debt securities. The Company’s investments in subordinated debt include investments in regional and super-regional banks on which the Company prepares regular analysis through review of financial information and credit ratings. Investments in preferred securities are also concentrated in the preferred obligations of regional and super-regional banks through non-pooled investment structures. The Company did not have investments in “pooled” trust preferred securities at March 31, 2021 or December 31, 2020. Management and the Company’s Asset and Liability Committee (the “ALCO Committee”) evaluate securities in an unrealized loss position on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation, to determine if credit-related impairment exists. Management first evaluates whether they intend to sell or more likely than not will be required to sell an impaired security before recovering its amortized cost basis. If either criteria is met, the entire amount of unrealized loss is recognized in earnings with a corresponding adjustment to the security's amortized cost basis. If either of the above criteria is not met, management evaluates whether the decline in fair value is attributable to credit or resulted from other factors. The Company does not intend to sell these investment securities at an unrealized loss position at March 31, 2021, and it is more likely than not that the Company will not be required to sell these securities prior to recovery or maturity. Based on the results of management's review, at March 31, 2021, management determined $101,000 was attributable to credit impairment and established the allowance for credit losses accordingly. The remaining $362,000 in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Allowance for credit losses Three Months Ended Three Months Ended Beginning balance $ 112 $ — Provision for expected credit losses (11) — Ending balance $ 101 $ — At March 31, 2021 and December 31, 2020, all of the Company’s mortgage-backed securities were obligations of government-sponsored agencies. Total loss on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three months ended March 31, 2021 and 2020: (dollars in thousands) March 31, 2021 March 31, 2020 Unrealized holding losses on equity securities $ (12) $ (9) Total loss on securities $ (12) $ (9)

LOANS

LOANS	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
LOANS	NOTE 3 – LOANS Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table: (dollars in thousands) March 31, 2021 December 31, 2020 Commercial, financial and agricultural $ 1,611,029 $ 1,627,477 Consumer installment 257,097 306,995 Indirect automobile 482,637 580,083 Mortgage warehouse 880,216 916,353 Municipal 659,228 659,403 Premium finance 706,379 687,841 Real estate – construction and development 1,533,234 1,606,710 Real estate – commercial and farmland 5,616,826 5,300,006 Real estate – residential 2,853,159 2,796,057 $ 14,599,805 $ 14,480,925 Included in commercial, financial and agricultural loans at March 31, 2021 and December 31, 2020 above are $792.0 million and $827.4 million, respectively, related to the SBA's Paycheck Protection Program (“PPP”). Accrued interest receivable on loans is reported in other assets on the consolidated balance sheets totaling $67.8 million and $73.4 million at March 31, 2021 and December 31, 2020, respectively. The Company recorded an allowance for credit losses of $556,000 and $718,000 related to deferred interest on loans modified under its Disaster Relief Program at March 31, 2021 and December 31, 2020, respectively. Nonaccrual and Past-Due Loans A loan is placed on nonaccrual status when, in management’s judgment, the collection of the interest income appears doubtful. Interest receivable that has been accrued and is subsequently determined to have doubtful collectability is charged to interest income. Interest on loans that are classified as nonaccrual is subsequently applied to principal until the loans are returned to accrual status. The Company’s loan policy states that a nonaccrual loan may be returned to accrual status when (i) none of its principal and interest is due and unpaid, and the Company expects repayment of the remaining contractual principal and interest, or (ii) it otherwise becomes well secured and in the process of collection. Restoration to accrual status on any given loan must be supported by a well-documented credit evaluation of the borrower’s financial condition and the prospects for full repayment, approved by the Company’s Chief Credit Officer. Past-due loans are loans whose principal or interest is past due 30 days or more. In some cases, where borrowers are experiencing financial difficulties, loans may be restructured to provide terms significantly different from the original contractual terms. The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) March 31, 2021 December 31, 2020 Commercial, financial and agricultural $ 9,686 $ 9,836 Consumer installment 646 709 Indirect automobile 1,530 2,831 Real estate – construction and development 5,421 5,407 Real estate – commercial and farmland 14,046 18,517 Real estate – residential 39,860 39,157 $ 71,189 $ 76,457 There was no interest income recognized on nonaccrual loans during the three months ended March 31, 2021 and 2020. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) March 31, 2021 December 31, 2020 Commercial, financial and agricultural $ 966 $ 764 Real estate – construction and development 66 416 Real estate – commercial and farmland 3,621 7,015 Real estate – residential 6,842 5,299 $ 11,495 $ 13,494 The following table presents an analysis of past-due loans as of March 31, 2021 and December 31, 2020: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 March 31, 2021 Commercial, financial and agricultural $ 5,729 $ 1,094 $ 4,922 $ 11,745 $ 1,599,284 $ 1,611,029 $ — Consumer installment 1,774 1,017 1,128 3,919 253,178 257,097 749 Indirect automobile 1,036 318 971 2,325 480,312 482,637 — Mortgage warehouse — — — — 880,216 880,216 — Municipal — — — — 659,228 659,228 — Premium finance 4,693 2,833 4,057 11,583 694,796 706,379 4,057 Real estate – construction and development 28,769 1,898 2,621 33,288 1,499,946 1,533,234 291 Real estate – commercial and farmland 9,796 527 8,114 18,437 5,598,389 5,616,826 — Real estate – residential 13,307 4,199 35,904 53,410 2,799,749 2,853,159 — Total $ 65,104 $ 11,886 $ 57,717 $ 134,707 $ 14,465,098 $ 14,599,805 $ 5,097 (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 December 31, 2020 Commercial, financial and agricultural $ 4,576 $ 2,018 $ 5,652 $ 12,246 $ 1,615,231 $ 1,627,477 $ — Consumer installment 2,189 1,114 2,318 5,621 301,374 306,995 1,755 Indirect automobile 3,293 1,006 2,171 6,470 573,613 580,083 — Mortgage warehouse — — — — 916,353 916,353 — Municipal — — — — 659,403 659,403 — Premium finance 7,188 3,895 6,571 17,654 670,187 687,841 6,571 Real estate – construction and development 13,348 723 5,150 19,221 1,587,489 1,606,710 — Real estate – commercial and farmland 5,370 1,701 8,651 15,722 5,284,284 5,300,006 — Real estate – residential 20,519 3,125 34,081 57,725 2,738,332 2,796,057 — Total $ 56,483 $ 13,582 $ 64,594 $ 134,659 $ 14,346,266 $ 14,480,925 $ 8,326 Collateral-Dependent Loans Collateral-dependent loans are loans where repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty. If the Company determines that foreclosure is probable, these loans are written down to the lower of cost or collateral value less estimated costs to sell. When repayment is expected to be from the operation of the collateral, the allowance for credit losses is calculated as the amount by which the amortized cost basis of the financial asset exceeds the present value of expected cash flows from the operation of the collateral. The Company may, in the alternative, measure the allowance for credit loss as the amount by which the amortized cost basis of the financial asset exceeded the estimated fair value of the collateral. The following table presents an analysis of collateral-dependent financial assets and related allowance for credit losses: March 31, 2021 December 31, 2020 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 5,375 $ 1,777 $ 5,490 $ 2,252 Premium finance 1,577 11 3,523 — Real estate – construction and development 4,109 619 4,173 512 Real estate – commercial and farmland 93,689 20,378 100,180 21,001 Real estate – residential 12,672 1,579 9,716 891 $ 117,422 $ 24,364 $ 123,082 $ 24,656 Credit Quality Indicators The Company uses a nine category risk grading system to assign a risk grade to each loan in the portfolio. The following is a description of the general characteristics of the grades: Grade 1 – Prime Credit – This grade represents loans to the Company’s most creditworthy borrowers or loans that are secured by cash or cash equivalents. Grade 2 – Strong Credit – This grade includes loans that exhibit one or more characteristics better than that of a Good Credit. Generally, the debt service coverage and borrower’s liquidity is materially better than required by the Company’s loan policy. Grade 3 – Good Credit – This grade is assigned to loans to borrowers who exhibit satisfactory credit histories, contain acceptable loan structures and demonstrate ability to repay. Grade 4 – Satisfactory Credit – This grade includes loans which exhibit all the characteristics of a Good Credit, but warrant more than normal level of banker supervision due to (i) circumstances which elevate the risks of performance (such as start-up operations, untested management, heavy leverage and interim losses); (ii) adverse, extraordinary events that have affected, or could affect, the borrower’s cash flow, financial condition, ability to continue operating profitability or refinancing (such as death of principal, fire and divorce); (iii) loans that require more than the normal servicing requirements (such as any type of construction financing, acquisition and development loans, accounts receivable or inventory loans and floor plan loans); (iv) existing technical exceptions which raise some doubts about the Bank’s perfection in its collateral position or the continued financial capacity of the borrower; or (v) improvements in formerly criticized borrowers, which may warrant banker supervision. Grade 5 – Fair Credit – This grade is assigned to loans that are currently performing and supported by adequate financial information that reflects repayment capacity but exhibits a loan-to-value ratio greater than 110%, based on a documented collateral valuation. Grade 6 – Other Assets Especially Mentioned – This grade includes loans that exhibit potential weaknesses that deserve management’s close attention. If left uncorrected, these weaknesses may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Grade 7 – Substandard – This grade represents loans which are inadequately protected by the current credit worthiness and paying capacity of the borrower or of the collateral pledged, if any. These assets exhibit a well-defined weakness or are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. These weaknesses may be characterized by past due performance, operating losses or questionable collateral values. Grade 8 – Doubtful – This grade includes loans which exhibit all of the characteristics of a substandard loan with the added provision that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable or improbable. Grade 9 – Loss – This grade is assigned to loans which are considered uncollectible and of such little value that their continuance as active assets of the Bank is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing it off. The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of March 31, 2021 and December 31, 2020. Generally, current period renewals of credit are underwritten again at the point of renewal and considered current period originations for purposes of the tables below. The Company had an immaterial amount of revolving loans which converted to term loans and the amortized cost basis of those loans is included in the applicable origination year. There were no loans risk graded 9 at December 31, 2020. As of March 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Commercial, Financial and Agricultural Risk Grade: 1 $ 329,750 $ 483,062 $ 2,631 $ 983 $ 295 $ 5,290 $ 63,365 $ 885,376 2 7,799 449 8,991 638 810 976 10,771 30,434 3 30,638 69,131 43,563 14,490 17,168 9,080 61,094 245,164 4 38,031 74,263 59,189 77,684 30,449 35,375 75,733 390,724 5 76 4,191 4,543 4,374 6,345 4,493 6,431 30,453 6 3 12 1,673 470 576 3,847 397 6,978 7 343 3,080 3,790 2,686 4,072 6,361 1,568 21,900 Total commercial, financial and agricultural $ 406,640 $ 634,188 $ 124,380 $ 101,325 $ 59,715 $ 65,422 $ 219,359 $ 1,611,029 As of March 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Consumer Installment Risk Grade: 1 $ 1,597 $ 5,577 $ 2,625 $ 1,308 $ 510 $ 33 $ 155 $ 11,805 2 — — — 33 1 58 41 133 3 5,983 11,263 5,382 2,045 647 1,921 4,991 32,232 4 11,275 87,762 46,500 35,996 14,116 11,715 3,308 210,672 5 — 46 86 12 25 163 — 332 6 — — — 9 — 143 6 158 7 — 287 525 188 94 581 86 1,761 9 — — 2 — — — 2 4 Total consumer installment $ 18,855 $ 104,935 $ 55,120 $ 39,591 $ 15,393 $ 14,614 $ 8,589 $ 257,097 Indirect Automobile Risk Grade: 2 $ — $ — $ — $ 75 $ 29 $ 6,512 $ — $ 6,616 3 — — 31,573 162,594 159,571 119,905 — 473,643 6 — — — 30 33 101 — 164 7 — — 38 288 354 1,534 — 2,214 Total indirect automobile $ — $ — $ 31,611 $ 162,987 $ 159,987 $ 128,052 $ — $ 482,637 Mortgage Warehouse Risk Grade: 3 $ — $ — $ — $ — $ — $ — $ 880,216 $ 880,216 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 880,216 $ 880,216 Municipal Risk Grade: 1 $ 25,045 $ 91,812 $ 11,565 $ 8,540 $ 141,216 $ 205,673 $ — $ 483,851 2 — 72,903 — — — 13,012 — 85,915 3 — 61,551 682 — 5,452 12,648 — 80,333 4 — 6,285 — — — 2,844 — 9,129 Total municipal $ 25,045 $ 232,551 $ 12,247 $ 8,540 $ 146,668 $ 234,177 $ — $ 659,228 Premium Finance Risk Grade: 2 $ 351,490 $ 340,097 $ 9,738 $ 257 $ 638 $ 100 $ — $ 702,320 7 — 3,980 79 — — — — 4,059 Total premium finance $ 351,490 $ 344,077 $ 9,817 $ 257 $ 638 $ 100 $ — $ 706,379 As of March 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Real Estate – Construction and Development Risk Grade: 2 $ — $ 62 $ — $ — $ — $ — $ — $ 62 3 14,018 42,007 6,565 4,269 3,444 11,263 873 82,439 4 168,849 545,742 362,783 132,341 49,482 35,491 37,990 1,332,678 5 387 2,136 17,825 38,407 13,755 29,389 106 102,005 6 — 120 892 5,991 598 1,194 — 8,795 7 — 143 3,019 482 629 2,982 — 7,255 Total real estate – construction and development $ 183,254 $ 590,210 $ 391,084 $ 181,490 $ 67,908 $ 80,319 $ 38,969 $ 1,533,234 Real Estate – Commercial and Farmland Risk Grade: 1 $ — $ — $ — $ 156 $ — $ — $ — $ 156 2 — 7,352 380 448 2,094 13,262 17 23,553 3 186,578 928,268 414,458 181,807 248,378 515,131 52,651 2,527,271 4 87,859 366,846 563,285 396,659 255,335 671,363 43,474 2,384,821 5 1,323 17,020 96,085 71,810 63,286 142,589 4,223 396,336 6 — — 10,313 15,984 47,716 38,807 3 112,823 7 — 7,714 55,005 18,532 13,038 76,935 642 171,866 Total real estate – commercial and farmland $ 275,760 $ 1,327,200 $ 1,139,526 $ 685,396 $ 629,847 $ 1,458,087 $ 101,010 $ 5,616,826 Real Estate - Residential Risk Grade: 1 $ — $ — $ — $ — $ — $ 17 $ — $ 17 2 — 36 388 11 99 42,503 1,313 44,350 3 296,261 731,149 434,948 202,552 154,099 467,379 197,899 2,484,287 4 5,768 29,740 17,636 14,464 10,104 61,238 40,174 179,124 5 481 8,581 28,055 9,476 9,202 28,452 3,523 87,770 6 49 418 951 881 367 3,520 107 6,293 7 789 3,385 10,435 13,031 4,406 16,630 2,642 51,318 Total real estate - residential $ 303,348 $ 773,309 $ 492,413 $ 240,415 $ 178,277 $ 619,739 $ 245,658 $ 2,853,159 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Commercial, Financial and Agricultural Risk Grade: 1 $ 829,710 $ 2,912 $ 1,055 $ 387 $ 490 $ 4,961 $ 36,373 $ 875,888 2 1,213 1,512 668 996 172 967 14,317 19,845 3 109,352 54,266 16,932 17,968 7,027 3,905 68,806 278,256 4 86,837 71,645 74,388 37,779 15,359 23,069 85,366 394,443 5 4,061 4,269 4,772 7,443 804 5,842 4,352 31,543 6 21 72 506 193 3,509 1,232 632 6,165 7 3,312 3,460 2,579 3,573 1,294 5,214 1,886 21,318 8 — — — — — — 19 19 Total commercial, financial and agricultural $ 1,034,506 $ 138,136 $ 100,900 $ 68,339 $ 28,655 $ 45,190 $ 211,751 $ 1,627,477 Consumer Installment Risk Grade: 1 $ 6,782 $ 3,001 $ 1,550 $ 583 $ 95 $ 1 $ 667 $ 12,679 2 — — 46 2 — 63 42 153 3 15,172 6,960 2,838 887 1,455 601 4,389 32,302 4 120,800 53,593 53,182 16,329 3,121 9,437 3,556 260,018 5 49 127 28 30 3 242 8 487 6 — 2 9 — — 145 — 156 7 30 209 72 105 134 553 97 1,200 Total consumer installment $ 142,833 $ 63,892 $ 57,725 $ 17,936 $ 4,808 $ 11,042 $ 8,759 $ 306,995 Indirect Automobile Risk Grade: 2 $ — $ — $ 81 $ 31 $ 5,356 $ 3,054 $ — $ 8,522 3 — 35,432 187,656 188,302 103,570 52,781 — 567,741 6 — — 57 70 62 85 — 274 7 — 163 519 561 1,078 1,225 — 3,546 Total indirect automobile $ — $ 35,595 $ 188,313 $ 188,964 $ 110,066 $ 57,145 $ — $ 580,083 Mortgage Warehouse Risk Grade: 3 $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 Municipal Risk Grade: 1 $ 91,692 $ 12,685 $ 8,944 $ 143,741 $ 124,929 $ 97,923 $ — $ 479,914 2 73,000 — — — 9,410 — — 82,410 3 39,990 713 — 5,453 7,204 5,489 — 58,849 4 31,394 — — — — 6,836 — 38,230 Total municipal $ 236,076 $ 13,398 $ 8,944 $ 149,194 $ 141,543 $ 110,248 $ — $ 659,403 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Premium Finance Risk Grade: 2 $ 661,614 $ 18,236 $ 515 $ 746 $ 121 $ 38 $ — $ 681,270 7 5,811 760 — — — — — 6,571 Total premium finance $ 667,425 $ 18,996 $ 515 $ 746 $ 121 $ 38 $ — $ 687,841 Real Estate – Construction and Development Risk Grade: 3 $ 59,325 $ 7,035 $ 6,870 $ 8,046 $ 3,415 $ 6,916 $ 1,293 $ 92,900 4 605,254 445,496 205,444 50,181 14,672 26,915 68,574 1,416,536 5 1,614 26,720 9,612 13,261 17,712 10,127 107 79,153 6 685 1,036 3,646 1,302 — 4,564 — 11,233 7 15 2,858 566 271 42 3,136 — 6,888 Total real estate – construction and development $ 666,893 $ 483,145 $ 226,138 $ 73,061 $ 35,841 $ 51,658 $ 69,974 $ 1,606,710 Real Estate – Commercial and Farmland Risk Grade: 1 $ — $ — $ 161 $ — $ — $ — $ — $ 161 2 7,482 540 521 2,131 4,375 10,663 1,138 26,850 3 918,939 370,703 143,591 197,942 224,712 274,665 67,067 2,197,619 4 344,777 584,814 423,241 331,024 242,573 545,745 34,326 2,506,500 5 4,027 39,216 69,173 80,726 25,561 94,461 1,274 314,438 6 — 10,680 4,895 28,139 7,670 31,224 — 82,608 7 250 54,439 18,574 15,489 27,044 55,763 271 171,830 Total real estate – commercial and farmland $ 1,275,475 $ 1,060,392 $ 660,156 $ 655,451 $ 531,935 $ 1,012,521 $ 104,076 $ 5,300,006 Real Estate - Residential Risk Grade: 1 $ — $ — $ — $ — $ — $ 19 $ — $ 19 2 37 398 12 121 1,275 47,286 1,402 50,531 3 763,101 529,268 254,632 186,531 154,285 388,825 203,491 2,480,133 4 19,296 19,874 15,784 11,607 14,240 53,869 44,276 178,946 5 400 1,768 3,489 3,479 1,151 12,824 3,618 26,729 6 527 1,843 1,030 334 724 3,391 255 8,104 7 3,442 9,387 12,339 4,667 2,157 16,659 2,944 51,595 Total real estate - residential $ 786,803 $ 562,538 $ 287,286 $ 206,739 $ 173,832 $ 522,873 $ 255,986 $ 2,796,057 Troubled Debt Restructurings The restructuring of a loan is considered a “troubled debt restructuring” if both (i) the borrower is experiencing financial difficulties and (ii) the Company has granted a concession. Concessions may include interest rate reductions to below market interest rates, principal forgiveness, restructuring amortization schedules and other actions intended to minimize potential losses. The Company has exhibited the greatest success for rehabilitation of the loan by a reduction in the rate alone (maintaining the amortization of the debt) or a combination of a rate reduction and the forbearance of previously past due interest or principal. This has most typically been evidenced in certain commercial real estate loans whereby a disruption in the borrower’s cash flow resulted in an extended past due status, of which the borrower was unable to catch up completely as the cash flow of the property ultimately stabilized at a level lower than its original level. A reduction in rate, coupled with a forbearance of unpaid principal and/or interest, allowed the net cash flows to service the debt under the modified terms. The Company’s policy requires a restructure request to be supported by a current, well-documented credit evaluation of the borrower’s financial condition and a collateral evaluation that is no older than six months from the date of the restructure. Key factors of that evaluation include the documentation of current, recurring cash flows, support provided by the guarantor(s) and the current valuation of the collateral. If the appraisal in the file is older than six months, an evaluation must be made as to the continued reasonableness of the valuation. For certain income-producing properties, current rent rolls and/or other income information can be utilized to support the appraisal valuation, when coupled with documented cap rates within our markets and a physical inspection of the collateral to validate the current condition. The Company’s policy states that in the event a loan has been identified as a troubled debt restructuring, it should be assigned a grade of substandard until such time the borrower has demonstrated the ability to service the loan payments based on the restructured terms – generally defined as six months of satisfactory payment history. Missed payments under the original loan terms are not considered under the new structure; however, subsequent missed payments are considered non-performance and are not considered toward the six month required term of satisfactory payment history. In the normal course of business, the Company renews loans with a modification of the interest rate or terms that are not deemed to be troubled debt restructurings because the borrower is not experiencing financial difficulty. The Company modified loans in the first three months of 2021 and 2020 totaling $118.0 million and $71.3 million, respectively, under such parameters. As of March 31, 2021 and December 31, 2020, the Company had a balance of $87.1 million and $85.0 million, respectively, in troubled debt restructurings. The Company has recorded $1.2 million and $1.2 million in previous charge-offs on such loans at March 31, 2021 and December 31, 2020, respectively. The Company’s balance in the allowance for credit losses allocated to such troubled debt restructurings was $14.2 million and $13.0 million at March 31, 2021 and December 31, 2020, respectively. At March 31, 2021, the Company did not have any commitments to lend additional funds to debtors whose terms have been modified in troubled restructurings. During the three months ended March 31, 2021 and 2020, the Company modified loans as troubled debt restructurings with principal balances of $8.7 million and $1.0 million, respectively, and these modifications did not have a material impact on the Company’s allowance for credit losses. The following table presents the loans by class modified as troubled debt restructurings which occurred during the three months ended March 31, 2021 and 2020: March 31, 2021 March 31, 2020 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 4 $ 463 — $ — Consumer installment — — 1 9 Real estate – commercial and farmland 2 7,658 1 64 Real estate – residential 5 572 8 903 Total 11 $ 8,693 10 $ 976 Troubled debt restructurings with an outstanding balance of $6.2 million and $3.0 million defaulted during the three months ended March 31, 2021 and 2020, respectively, and these defaults did not have a material impact on the Company’s allowance for credit losses. The following table presents for loans the troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three months ended March 31, 2021 and 2020: March 31, 2021 March 31, 2020 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 3 $ 56 1 $ 200 Consumer installment 5 6 — — Indirect automobile 16 94 — — Real estate – construction and development 1 1 2 287 Real estate – commercial and farmland 2 5,193 2 681 Real estate – residential 11 809 19 1,800 Total 38 $ 6,159 24 $ 2,968 The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at March 31, 2021 and December 31, 2020: March 31, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 10 $ 930 12 $ 854 Consumer installment 8 27 22 53 Indirect automobile 385 1,931 47 321 Real estate – construction and development 4 501 5 706 Real estate – commercial and farmland 27 43,398 10 2,233 Real estate – residential 248 33,324 36 2,818 Total 682 $ 80,111 132 $ 6,985 December 31, 2020 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 521 11 $ 849 Consumer installment 10 32 20 56 Indirect automobile 437 2,277 51 461 Real estate – construction and development 4 506 5 707 Real estate – commercial and farmland 28 36,707 7 1,401 Real estate – residential 264 38,800 34 2,671 Total 752 $ 78,843 128 $ 6,145 COVID-19 Deferrals In response to the COVID-19 pandemic, the Company offered affected borrowers payment relief under its Disaster Relief Program. These modifications primarily consisted of short-term payment deferrals or interest-only periods to assist customers. The Company has also provided payment modifications to certain borrowers in economically sensitive industries of various terms up to nine months. Modifications related to the COVID-19 pandemic and qualifying under the provisions of Section 4013 of the CARES Act are not deemed to be troubled debt restructurings. As of March 31, 2021, $235.4 million in loans remained in payment deferral related to COVID-19 pandemic Disaster Relief Program compared with $332.8 million at December 31, 2020. The table below presents short-term deferrals related to the COVID-19 pandemic that were not considered TDRs. March 31, 2021 December 31, 2020 (dollars in thousands) COVID-19 Deferrals Deferrals as a % of total loans COVID-19 Deferrals Deferrals as a % of total loans Commercial, financial and agricultural $ 4,460 0.3 % $ 12,471 0.8 % Consumer installment 569 0.2 % 1,418 0.5 % Indirect automobile 3,536 0.7 % 8,936 1.5 % Real estate – construction and development 418 — % 11,049 0.7 % Real estate – commercial and farmland 152,337 2.7 % 179,183 3.4 % Real estate – residential 74,101 2.6 % 119,722 4.3 % $ 235,421 1.6 % $ 332,779 2.3 % Allowance for Credit Losses The allowance for credit losses represents an allowance for expected losses over the remaining contractual life of the assets. The contractual term does not consider extensions, renewals or modifications unless the Company reasonably expects to execute a troubled debt restructuring with a borrower. The Company segregates the loan portfolio by type of loan and utilizes this segregation in evaluating exposure to risks within the portfolio. Loan losses are charged against the allowance when management believes the collection of a loan’s principal is unlikely. Subsequent recoveries are credited to the allowance. Consumer loans are charged off in accordance with the Federal Financial Institutions Examination Council’s (“FFIEC”) Uniform Retail Credit Classification and Account Management Policy. Commercial loans are charged off when they are deemed uncollectible, which usually involves a triggering event within the collection effort. If the loan is collateral dependent, the loss is more easily identified and is charged off when it is identified, usually based upon receipt of an appraisal. However, when a loan has guarantor support, the Company may carry the estimated loss as a reserve against the loan while collection efforts with the guarantor are pursued. If, after collection efforts with the guarantor are complete, the deficiency is still considered uncollectible, the loss is charged off and any further collections are treated as recoveries. In all situations, when a loan is downgraded to an Asset Quality Rating of 9 (Loss per the regulatory guidance), the uncollectible portion is charged off. During the three months ended March 31, 2021, the allowance for credit losses decreased primarily due to improvement in forecasted macroeconomic factors. The allowance for credit losses was determined at March 31, 2021 using the Moody's baseline economic forecast, which Moody's defines as having a 50% probability the economy will perform better than the baseline projection and the same probability it will perform worse. The current forecast reflects, among other things, improvements in forecast levels of unemployment, home prices and commercial real estate prices compared with the forecast at December 31, 2020. The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended March 31, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2020 $ 7,359 $ 4,076 $ 1,929 $ 3,666 $ 791 $ 3,879 Provision for loan losses 2,575 5,806 (528) (145) (1) 442 Loans charged off (2,370) (1,448) (829) — — (1,343) Recoveries of loans previously charged off 727 356 700 — — 1,122 Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2020 $ 45,304 $ 88,894 $ 43,524 $ 199,422 Provision for loan losses (22,587) 3,671 (5,812) (16,579) Loans charged off (26) (1,395) (163) (7,574) Recoveries of loans previously charged off 167 41 188 3,301 Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570 Three Months Ended March 31, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2019 $ 4,567 $ 3,784 $ — $ 640 $ 484 $ 2,550 Adjustment to allowance for adoption of ASU 2016-13 2,587 8,012 4,109 463 (92) 4,471 Provision for loan losses 3,080 4,149 564 (1) 130 4,634 Loans charged off (2,486) (1,142) (1,231) — — (831) Recoveries of loans previously charged off 362 321 344 — — 684 Balance, March 31, 2020 $ 8,110 $ 15,124 $ 3,786 $ 1,102 $ 522 $ 11,508 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2019 $ 5,995 $ 9,666 $ 10,503 $ 38,189 Adjustment to allowance for adoption of ASU 2016-13 12,248 27,073 19,790 78,661 Provision for loan losses 6,734 15,858 1,899 37,047 Loans charged off — (928) (100) (6,718) Recoveries of loans previously charged off 342 85 207 2,345 Balance, March 31, 2020 $ 25,319 $ 51,754 $ 32,299 $ 149,524

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	NOTE 4 – SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Company classifies the sales of securities under agreements to repurchase as short-term borrowings. The amounts received under these agreements are reflected as a liability in the Company’s consolidated balance sheets and the securities underlying these agreements are included in investment securities in the Company’s consolidated balance sheets. At March 31, 2021 and December 31, 2020, all securities sold under agreements to repurchase mature on a daily basis. The market value of the securities fluctuate on a daily basis due to market conditions. The Company monitors the market value of the securities underlying these agreements on a daily basis and is required to transfer additional securities if the market value of the securities fall below the repurchase agreement price. The Company maintains an unpledged securities portfolio that it believes is sufficient to protect against a decline in the market value of the securities sold under agreements to repurchase. The following is a summary of the Company’s securities sold under agreements to repurchase at March 31, 2021 and December 31, 2020: (dollars in thousands) March 31, 2021 December 31, 2020 Securities sold under agreements to repurchase $ 9,320 $ 11,641

OTHER BORROWINGS

OTHER BORROWINGS	3 Months Ended
	Mar. 31, 2021
Debt Disclosure [Abstract]
OTHER BORROWINGS	NOTE 5 – OTHER BORROWINGS Other borrowings consist of the following: (dollars in thousands) March 31, 2021 December 31, 2020 FHLB borrowings: Fixed Rate Advance due March 3, 2025; fixed interest rate of 1.208% $ 15,000 $ 15,000 Fixed Rate Advance due March 2, 2027; fixed interest rate of 1.445% 15,000 15,000 Fixed Rate Advance due March 4, 2030; fixed interest rate of 1.606% 15,000 15,000 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 1,408 1,411 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 975 977 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,531 1,567 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $780 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,220 74,188 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,105 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 117,895 117,835 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,119 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 76,119 76,150 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,917 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,083 108,027 $ 425,231 $ 425,155 The advances from the FHLB are collateralized by a blanket lien on all eligible first mortgage loans and other specific loans in addition to FHLB stock. At March 31, 2021, $3.55 billion was available for borrowing on lines with the FHLB. As of March 31, 2021, the Bank maintained credit arrangements with various financial institutions to purchase federal funds up to $127.0 million.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME	NOTE 6 – ACCUMULATED OTHER COMPREHENSIVE INCOME Accumulated other comprehensive income for the Company consists of changes in net unrealized gains and losses on investment securities available for sale and interest rate swap derivatives. The reclassification for gains included in net income is recorded in net gain (loss) on securities in the consolidated statement of income and comprehensive income. The following tables present a summary of the accumulated other comprehensive income balances, net of tax, as of March 31, 2021 and 2020: (dollars in thousands) Unrealized Gain (Loss) on Derivatives Unrealized Gain (Loss) on Securities Accumulated Other Comprehensive Income (Loss) Balance, January 1, 2021 $ — $ 33,505 $ 33,505 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (7,415) (7,415) Balance, March 31, 2021 $ — $ 26,090 $ 26,090 (dollars in thousands) Unrealized Gain (Loss) on Derivatives Unrealized Gain (Loss) on Securities Accumulated Other Comprehensive Income (Loss) Balance, January 1, 2020 $ (147) $ 18,142 $ 17,995 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax (97) 21,653 21,556 Balance, March 31, 2020 $ (244) $ 39,795 $ 39,551

WEIGHTED AVERAGE SHARES OUTSTAN

WEIGHTED AVERAGE SHARES OUTSTANDING	3 Months Ended
	Mar. 31, 2021
Earnings Per Share [Abstract]
WEIGHTED AVERAGE SHARES OUTSTANDING	NOTE 7 – WEIGHTED AVERAGE SHARES OUTSTANDING Earnings per share have been computed based on the following weighted average number of common shares outstanding: Three Months Ended (share data in thousands) 2021 2020 Average common shares outstanding 69,392 69,248 Common share equivalents: Stock options 81 93 Nonvested restricted share grants 172 161 Performance stock units 96 — Average common shares outstanding, assuming dilution 69,741 69,502

FAIR VALUE MEASURES

FAIR VALUE MEASURES	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures [Abstract]
FAIR VALUE MEASURES	NOTE 8 – FAIR VALUE MEASURES The fair value of an asset or liability is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various assets and liabilities. In cases where quoted market prices are not available, fair value is based on discounted cash flows or other valuation techniques. These techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability. The accounting standard for disclosures about the fair value measures excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The Company's loans held for sale under the fair value option are comprised of the following: (dollars in thousands) March 31, 2021 December 31, 2020 Mortgage loans held for sale $ 1,505,121 $ 998,050 SBA loans held for sale 4,407 3,757 Total loans held for sale $ 1,509,528 $ 1,001,807 The Company has elected to record mortgage loans held for sale at fair value in order to eliminate the complexities and inherent difficulties of achieving hedge accounting and to better align reported results with the underlying economic changes in value of the loans and related hedge instruments. This election impacts the timing and recognition of origination fees and costs, as well as servicing value, which are now recognized in earnings at the time of origination. Interest income on mortgage loans held for sale is recorded on an accrual basis in the consolidated statements of income and comprehensive income under the heading interest income – interest and fees on loans. The servicing value is included in the fair value of the interest rate lock commitments (“IRLCs”) with borrowers. The mark to market adjustments related to mortgage loans held for sale and the associated economic hedges are captured in mortgage banking activities. A net loss of $25.1 million and a net gain of $15.1 million resulting from fair value changes of these mortgage loans were recorded in income during the three months ended March 31, 2021 and 2020, respectively. A net gain of $27.5 million and net loss of $2.6 million resulting from changes in the fair value of the related derivative financial instruments used to hedge exposure to the market-related risks associated with these mortgage loans were recorded in income during the three months ended March 31, 2021 and 2020, respectively. The change in fair value of both mortgage loans held for sale and the related derivative financial instruments are recorded in mortgage banking activity in the consolidated statements of income and comprehensive income. The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these loans, valuation adjustments attributable to instrument-specific credit risk is nominal. The following table summarizes the difference between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of March 31, 2021 and December 31, 2020: (dollars in thousands) March 31, 2021 December 31, 2020 Aggregate fair value of mortgage loans held for sale $ 1,505,121 $ 998,050 Aggregate unpaid principal balance of mortgage loans held for sale 1,479,606 947,460 Past-due loans of 90 days or more — — Nonaccrual loans — — Unpaid principal balance of nonaccrual loans — — The following table summarizes the difference between the fair value and the principal balance for SBA loans held for sale measured at fair value as of March 31, 2021 and December 31, 2020: (dollars in thousands) March 31, 2021 December 31, 2020 Aggregate fair value of SBA loans held for sale $ 4,407 $ 3,757 Aggregate unpaid principal balance of SBA loans held for sale 3,849 3,393 Past-due loans of 90 days or more — — Nonaccrual loans — — The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Securities available for sale, loans held for sale and derivative financial instruments are recorded at fair value on a recurring basis. From time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as collateral-dependent loans, loan servicing rights and OREO. Additionally, the Company is required to disclose, but not record, the fair value of other financial instruments. The following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall as of March 31, 2021 and December 31, 2020: Recurring Basis March 31, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: U.S. government sponsored agencies $ 12,394 $ — $ 12,394 $ — State, county and municipal securities 62,985 — 62,985 — Corporate debt securities 46,747 — 45,577 1,170 SBA pool securities 55,691 — 55,691 — Mortgage-backed securities 681,835 — 681,835 — Loans held for sale 1,509,528 — 1,509,528 — Mortgage banking derivative instruments 62,870 — 62,870 — Total recurring assets at fair value $ 2,432,050 $ — $ 2,430,880 $ 1,170 Recurring Basis December 31, 2020 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: U.S. government sponsored agencies $ 17,504 $ — $ 17,504 $ — State, county and municipal securities 66,778 — 66,778 — Corporate debt securities 51,896 — 50,726 1,170 SBA pool securities 62,497 — 62,497 — Mortgage-backed securities 784,204 — 784,204 — Loans held for sale 1,001,807 — 1,001,807 — Mortgage banking derivative instruments 51,756 — 51,756 — Total recurring assets at fair value $ 2,036,442 $ — $ 2,035,272 $ 1,170 Financial liabilities: Mortgage banking derivative instruments $ 16,415 $ — $ 16,415 $ — Total recurring liabilities at fair value $ 16,415 $ — $ 16,415 $ — The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy as of March 31, 2021 and December 31, 2020: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 March 31, 2021 Collateral-dependent loans $ 93,058 $ — $ — $ 93,058 Other real estate owned 299 — — 299 Mortgage servicing rights 154,746 — — 154,746 Total nonrecurring assets at fair value $ 248,103 $ — $ — $ 248,103 December 31, 2020 Collateral-dependent loans $ 98,426 $ — $ — $ 98,426 Other real estate owned 4,964 — — 4,964 Mortgage servicing rights 130,630 — — 130,630 SBA servicing rights 5,839 — 5,839 — Total nonrecurring assets at fair value $ 239,859 $ — $ 5,839 $ 234,020 The inputs used to determine estimated fair value of collateral-dependent loans include market conditions, loan term, underlying collateral characteristics and discount rates. The inputs used to determine fair value of OREO include market conditions, estimated marketing period or holding period, underlying collateral characteristics and discount rates. For the three months ended March 31, 2021 and the year ended December 31, 2020, there was not a change in the methods and significant assumptions used to estimate fair value. The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets: (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted March 31, 2021 Recurring: Investment securities available for sale $ 1,170 Discounted par values Probability of default 17.1% 17.1% Loss given default 39% 39% Nonrecurring: Collateral-dependent loans $ 93,058 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 57% 44% Other real estate owned $ 299 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 36% 27% Mortgage servicing rights $ 154,746 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 11% - 38% 13% December 31, 2020 Recurring: Investment securities available for sale $ 1,170 Discounted par values Probability of default 18.8% 18.8% Loss given default 40% 40% Nonrecurring: Collateral-dependent loans $ 98,426 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 90% 44% Other real estate owned $ 4,964 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 59% 28% Mortgage servicing rights $ 130,630 Discounted cash flows Discount rate 9% - 12% 10% Prepayment speed 14% - 37% 19% The carrying amount and estimated fair value of the Company’s financial instruments, not shown elsewhere in these financial statements, were as follows: Fair Value Measurements March 31, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 224,159 $ 224,159 $ — $ — $ 224,159 Federal funds sold and interest-bearing accounts 2,534,969 2,534,969 — — 2,534,969 Time deposits in other banks 249 — 249 — 249 Loans, net 14,328,177 — — 14,339,254 14,339,254 Accrued interest receivable 70,697 — 3,469 67,228 70,697 Financial liabilities: Deposits 17,875,873 — 17,870,613 — 17,870,613 Securities sold under agreements to repurchase 9,320 9,320 — — 9,320 Other borrowings 425,231 — 429,650 — 429,650 Subordinated deferrable interest debentures 124,833 — 117,285 — 117,285 Accrued interest payable 7,126 — 7,126 — 7,126 Fair Value Measurements December 31, 2020 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 203,349 $ 203,349 $ — $ — $ 203,349 Federal funds sold and interest-bearing accounts 1,913,957 1,913,957 — — 1,913,957 Time deposits in other banks 249 — 249 — 249 Loans, net 14,183,077 — — 14,096,711 14,096,711 Accrued interest receivable 76,254 — 3,567 72,687 76,254 Financial liabilities: Deposits 16,957,823 — 16,968,606 — 16,968,606 Securities sold under agreements to repurchase 11,641 11,641 — — 11,641 Other borrowings 425,155 — 431,783 — 431,783 Subordinated deferrable interest debentures 124,345 — 116,280 — 116,280 Accrued interest payable 5,487 — 5,487 — 5,487

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 9 – COMMITMENTS AND CONTINGENCIES Loan Commitments The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. They involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the Company’s balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. A summary of the Company’s commitments is as follows: (dollars in thousands) March 31, 2021 December 31, 2020 Commitments to extend credit $ 3,193,867 $ 2,826,719 Unused home equity lines of credit 257,967 259,015 Financial standby letters of credit 31,359 33,613 Mortgage interest rate lock commitments 1,033,336 1,199,939 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. These commitments, predominantly at variable interest rates, generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Collateral is required in instances which the Company deems necessary. The Company has not been required to perform on any material financial standby letters of credit and the Company has not incurred any losses on financial standby letters of credit for the three months ended March 31, 2021 and the year ended December 31, 2020. The Company maintains an allowance for credit losses on unfunded commitments which is recorded in other liabilities on the consolidated balance sheets. The following table presents activity in the allowance for unfunded commitments for the periods presented: Three Months Ended March 31, (dollars in thousands) 2021 2020 Balance at beginning of period $ 32,854 $ 1,077 Adjustment to reflect adoption of ASU 2016-13 — 12,714 Provision for unfunded commitments (11,839) 4,000 Balance at end of period $ 21,015 $ 17,791 Other Commitments As of March 31, 2021, letters of credit issued by the FHLB totaling $490.0 million were used to guarantee the Bank’s performance related to a portion of its public fund deposit balances. Litigation and Regulatory Contingencies On November 19, 2019, the Company received a subpoena from the Atlanta Regional Office of the Securities and Exchange Commission (the “SEC”), and the Bank received a grand jury subpoena from the United States Attorney’s Office for the Northern District of Georgia, each requesting that the Company and the Bank produce documents and other materials relating to the Company’s acquisition of US Premium Finance Holding Company, the Bank’s sale of certain loans to CEBV LLC and related disclosures. The Company has cooperated fully with the investigation and produced all requested documents responsive to the subpoenas. While the Company remains unable to make any assurances regarding the outcome of the investigation by the United States Attorney's Office, or the impact, if any, that such investigation may have on the Company's business, consolidated financial condition, results of operations or cash flows, the Company received a letter from the SEC staff, dated March 29, 2021, stating that the SEC has concluded its investigation as to the Company and does not intend to recommend any enforcement action against the Company. Additionally, from time to time, the Company and the Bank are subject to various legal proceedings, claims and disputes that arise in the ordinary course of business. The Company and the Bank are also subject to regulatory examinations, information gathering requests, inquiries and investigations in the ordinary course of business. Based on the Company’s current knowledge and advice of counsel, management presently does not believe that the liabilities arising from these legal matters will have a material adverse effect on the Company’s consolidated financial condition, results of operations or cash flows. However, it is possible that the ultimate resolution of these legal matters could have a material adverse effect on the Company’s results of operations and financial condition for any particular period. The Company’s management and its legal counsel periodically assess contingent liabilities, which may result in a loss to the Company but which will only be resolved when one or more future events occur or fail to occur, and such assessment inherently involves an exercise of judgment. In assessing loss contingencies related to legal proceedings that are pending against the Company or unasserted claims that may result in such proceedings, the Company evaluates the perceived merits of any legal proceedings or unasserted claims, as well as the perceived merits of the amount of relief sought or expected to be sought therein. If the assessment of a contingency indicates that it is probable that a material loss has been incurred and the amount of the liability can be estimated, then the estimated liability would be accrued in the Company’s financial statements. If the assessment indicates that a potentially material loss contingency is not probable, but is reasonably possible, or is probable but cannot be estimated, then the nature of the contingent liability, together with an estimate of the range of possible loss if determinable and material, would be disclosed. Loss contingencies considered remote are generally not disclosed unless they involve guarantees, in which case the nature of the guarantee would be disclosed. COVID-19 The COVID-19 pandemic has caused significant economic dislocation in the United States and an unprecedented slowdown in economic activity, as many state and local governments have intermittently ordered non-essential businesses to close and residents to shelter in place at home. As a result of the pandemic, commercial customers are experiencing varying levels of disruptions or restrictions on their business activity, and consumers are experiencing interrupted income or unemployment. We have outstanding loans to borrowers in certain industries that have been particularly susceptible to the effects of the pandemic, such as hotels, restaurants and other retail businesses. Given the ongoing and dynamic nature of the circumstances, it is difficult to predict the full impact of the COVID-19 pandemic on our business. The United States government has taken steps to attempt

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2021
Segment Reporting [Abstract]
SEGMENT REPORTING	NOTE 10 – SEGMENT REPORTING The Company has the following five reportable segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division and Premium Finance Division. The Banking Division derives its revenues from the delivery of full-service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division derives its revenues from the origination, sales and servicing of one-to-four family residential mortgage loans. The Warehouse Lending Division derives its revenues from the origination and servicing of warehouse lines to other businesses that are secured by underlying one-to-four family residential mortgage loans. The SBA Division derives its revenues from the origination, sales and servicing of SBA loans. The Premium Finance Division derives its revenues from the origination and servicing of commercial insurance premium finance loans. The Banking, Retail Mortgage, Warehouse Lending, SBA and Premium Finance Divisions are managed as separate business units because of the different products and services they provide. The Company evaluates performance and allocates resources based on profit or loss from operations. There are no material intersegment sales or transfers. The following tables present selected financial information with respect to the Company’s reportable business segments for the three months ended March 31, 2021 and 2020: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 112,379 $ 30,199 $ 10,327 $ 18,034 $ 7,011 $ 177,950 Interest expense (437) 11,215 421 1,399 375 12,973 Net interest income 112,816 18,984 9,906 16,635 6,636 164,977 Provision for credit losses (23,904) (4,553) (145) (547) 558 (28,591) Noninterest income 16,738 97,640 980 2,611 4 117,973 Noninterest expense Salaries and employee benefits 42,723 49,838 330 1,382 1,712 95,985 Equipment and occupancy expenses 10,120 1,476 1 106 78 11,781 Data processing and telecommunications expenses 10,201 1,546 49 1 87 11,884 Other expenses 19,710 8,189 33 295 921 29,148 Total noninterest expense 82,754 61,049 413 1,784 2,798 148,798 Income before income tax expense 70,704 60,128 10,618 18,009 3,284 162,743 Income tax expense 18,456 12,627 2,230 3,782 686 37,781 Net income $ 52,248 $ 47,501 $ 8,388 $ 14,227 $ 2,598 $ 124,962 Total assets $ 14,591,933 $ 4,086,210 $ 886,004 $ 1,055,068 $ 807,912 $ 21,427,127 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 53,745 — — — 14,103 67,848 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 132,301 $ 33,411 $ 4,850 $ 3,728 $ 8,478 $ 182,768 Interest expense 13,926 15,655 1,548 1,547 2,147 34,823 Net interest income 118,375 17,756 3,302 2,181 6,331 147,945 Provision for credit losses 35,997 1,997 (9) (903) 3,965 41,047 Noninterest income 17,773 34,369 960 1,277 — 54,379 Noninterest expense Salaries and employee benefits 41,621 31,097 210 1,476 1,542 75,946 Equipment and occupancy expenses 10,347 1,504 1 97 79 12,028 Data processing and telecommunications expenses 10,797 986 41 13 117 11,954 Other expenses 30,645 5,875 34 515 1,056 38,125 Total noninterest expense 93,410 39,462 286 2,101 2,794 138,053 Income (loss) before income tax expense 6,741 10,666 3,985 2,260 (428) 23,224 Income tax expense (benefit) 275 2,408 837 475 (93) 3,902 Net income (loss) $ 6,466 $ 8,258 $ 3,148 $ 1,785 $ (335) $ 19,322 Total assets $ 13,201,373 $ 3,466,766 $ 548,837 $ 252,668 $ 754,904 $ 18,224,548 Goodwill 867,449 — — — 64,498 931,947 Other intangible assets, net 68,857 — — — 17,098 85,955

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2021
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	NOTE 11 – LOAN SERVICING RIGHTS The Company sells certain residential mortgage loans and SBA loans to third parties. All such transfers are accounted for as sales and the continuing involvement in the loans sold is limited to certain servicing responsibilities. The Company has also acquired portfolios of residential mortgage, SBA and indirect automobile loans serviced for others. Loan servicing rights are initially recorded at fair value and subsequently recorded at the lower of cost or fair value and are amortized over the remaining service life of the loans, with consideration given to prepayment assumptions. Loan servicing rights are recorded in other assets on the consolidated balance sheets. The carrying value of the loan servicing rights assets is shown in the table below: (dollars in thousands) March 31, 2021 December 31, 2020 Loan Servicing Rights Residential mortgage $ 154,746 $ 130,630 SBA 6,445 5,839 Indirect automobile 29 73 Total loan servicing rights $ 161,220 $ 136,542 Residential Mortgage Loans The Company sells certain first-lien residential mortgage loans to third party investors, primarily Federal National Mortgage Association (“FNMA”), Government National Mortgage Association (“GNMA”), and Federal Home Loan Mortgage Corporation (“FHLMC”). The Company retains the related mortgage servicing rights (“MSRs”) and receives servicing fees on certain of these loans. The net gain on loan sales, MSRs amortization and recoveries/impairment, and ongoing servicing fees on the portfolio of loans serviced for others are recorded in the consolidated statements of income and comprehensive income as part of mortgage banking activity. During the three-months ended March 31, 2021, the Company recorded servicing fee income of $10.1 million. During the three-months ended March 31, 2020, the Company recorded servicing fee income of $6.2 million. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period. The table below is an analysis of the activity in the Company’s MSRs and impairment: (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing rights 2021 2020 Beginning carrying value, net $ 130,630 $ 94,902 Additions 21,867 16,061 Amortization (7,484) (4,166) Recoveries/(impairment) 9,733 (20,875) Ending carrying value, net $ 154,746 $ 85,922 (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing valuation allowance 2021 2020 Beginning balance $ 39,407 $ 104 Additions — 20,875 Recoveries (9,733) — Ending balance $ 29,674 $ 20,979 The key metrics and the sensitivity of the fair value to adverse changes in model inputs and/or assumptions are summarized below: (dollars in thousands) March 31, 2021 December 31, 2020 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 14,171,621 $ 13,764,529 Composition of residential loans serviced for others: FHLMC 21.05 % 21.55 % FNMA 61.40 % 61.75 % GNMA 17.55 % 16.70 % Total 100.00 % 100.00 % Weighted average term (months) 340 340 Weighted average age (months) 20 20 Modeled prepayment speed 13.37 % 18.82 % Decline in fair value due to a 10% adverse change (6,886) (7,154) Decline in fair value due to a 20% adverse change (13,262) (13,664) Weighted average discount rate 8.76 % 9.50 % Decline in fair value due to a 10% adverse change (5,522) (4,304) Decline in fair value due to a 20% adverse change (10,671) (8,321) SBA Loans All sales of SBA loans, consisting of the guaranteed portion, are executed on a servicing retained basis. These loans, which are partially guaranteed by the SBA, are generally secured by business property such as real estate, inventory, equipment and accounts receivable. The net gain on SBA loan sales, amortization and impairment/recoveries of servicing rights, and ongoing servicing fees are recorded in the consolidated statements of income and comprehensive income as part of other noninterest income. During the three-months ended March 31, 2021, the Company recorded servicing fee income of $1.0 million. During the three-months ended March 31, 2020, the Company recorded servicing fee income of $1.1 million. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period. The table below is an analysis of the activity in the Company’s SBA loan servicing rights and impairment: (dollars in thousands) Three Months Ended March 31, SBA servicing rights 2021 2020 Beginning carrying value, net $ 5,839 $ 7,886 Additions 230 375 Purchase accounting adjustment — (1,214) Amortization (529) (363) Recoveries/(impairment) 905 (1,290) Ending carrying value, net $ 6,445 $ 5,394 (dollars in thousands) Three Months Ended March 31, SBA servicing valuation allowance 2021 2020 Beginning balance $ 905 $ 141 Additions — 1,290 Recoveries (905) — Ending balance $ — $ 1,431 (dollars in thousands) March 31, 2021 December 31, 2020 SBA servicing rights Unpaid principal balance of loans serviced for others $ 437,989 $ 351,325 Weighted average life (in years) 3.49 3.46 Modeled prepayment speed 19.05 % 19.14 % Decline in fair value due to a 10% adverse change (412) (335) Decline in fair value due to a 20% adverse change (783) (636) Weighted average discount rate 7.09 % 9.55 % Decline in fair value due to a 100 basis point adverse change (188) (151) Decline in fair value due to a 200 basis point adverse change (367) (295) Indirect Automobile Loans The Company acquired a portfolio of indirect automobile loans serviced for others. These loans, or portions of loans, were sold on a servicing retained basis. Amortization and impairment/recoveries of servicing rights, and ongoing servicing fees are recorded in the consolidated statements of income and comprehensive income as part of other noninterest income. The Company is not actively originating or selling indirect automobile loans. (dollars in thousands) Three Months Ended March 31, Indirect automobile servicing rights 2021 2020 Beginning carrying value, net $ 73 $ 247 Amortization (44) (43) Ending carrying value, net $ 29 $ 204 During the three-months ended March 31, 2021, the Company recorded servicing fee income of $206,000. During the three-months ended March 31, 2020, the Company recorded servicing fee income of $710,000. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period.

BASIS OF PRESENTATION AND ACC_2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Nature of Business Ameris Bancorp (the “Company” or “Ameris”) is a financial holding company headquartered in Atlanta, Georgia. Ameris conducts substantially all of its operations through its wholly owned banking subsidiary, Ameris Bank (the “Bank”). At March 31, 2021, the Bank operated 165 branches in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. Our business model capitalizes on the efficiencies of a large financial services company, while still providing the community with the personalized banking service expected by our customers. We manage our Bank through a balance of decentralized management responsibilities and efficient centralized operating systems, products and loan underwriting standards. The Company’s Board of Directors and senior managers establish corporate policy, strategy and administrative policies. Within our established guidelines and policies, the banker closest to the customer responds to the differing needs and demands of his or her unique market.
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements for Ameris have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statement presentation. The interim consolidated financial statements included herein are unaudited but reflect all adjustments, consisting of normal recurring adjustments, which, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the interim periods presented. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the period ended March 31, 2021 are not necessarily indicative of the results to be expected for the full year. These financial statements should be read in conjunction with the financial statements and notes thereto and the report of our registered independent public accounting firm included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020, as amended.
Cash and Cash Equivalents	Cash and Cash EquivalentsFor purposes of reporting cash flows, cash and cash equivalents include cash on hand, cash items in process of collection, amounts due from banks, interest-bearing deposits in banks and federal funds sold. The Bank is required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank of Atlanta.
Reclassifications	ReclassificationsCertain reclassifications of prior year amounts have been made to conform with the current year presentations. The reclassifications had no effect on net income or shareholders' equity as previously reported.
Accounting Standards Adopted in 2021 and Accounting Standards Pending Adoption	Accounting Standards Adopted in 2021 ASU 2019-12 – Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes ("ASU 2019-12") . ASU 2019-12 simplifies the accounting for income taxes by removing certain technical exceptions. ASU 2019-12 also clarifies and amends the accounting for income taxes in certain areas including, among others: (i) franchise taxes that are partially based on income; (ii) whether step ups in the tax basis of goodwill should be considered part of the acquisition to which it related or recognized as a separate transaction; and (iii) requiring the effect of an enacted change in tax laws or rates to be reflected in the annual effective tax rate computation in the interim period that includes the enactment date. During the first quarter of 2021, the Company adopted this ASU and applied the amendments in this update on a modified retrospective basis for the provision related to franchise taxes and prospectively for all other amendments. The adoption did not have a material impact on the Company's consolidated financial statements. Accounting Standards Pending Adoption ASU No. 2021-01 – Reference Rate Reform (Topic 848): Scope ("ASU 2021-01"). ASU 2021-01 clarifies that certain optional expedients and exceptions in ASC 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2021-01 also amends the expedients and exceptions in ASC 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company is currently evaluating the impact of adopting ASU 2021-01 on the consolidated financial statements. ASU No. 2020-04 – Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04"). ASU 2020-04 provides optional guidance, for a limited time, to ease the potential burden in accounting for or recognizing the effects of reference rate reform on financial reporting. The amendments, which are elective, provide expedients and exceptions for applying GAAP to contract modifications and hedging relationships affected by reference rate reform if certain criteria are met. The amendments apply only to contracts and hedging relationships that reference LIBOR or another reference rate that is expected to be discontinued due to reference rate reform. The optional expedients for contract modifications apply consistently for all contracts or transactions within the relevant Codification Topic, Subtopic, or Industry Subtopic that contains the guidance that otherwise would be required to be applied, while those for hedging relationships can be elected on an individual hedging relationship basis. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company has established a working committee with representatives from relevant functional areas to inventory the contracts and accounts that are tied to LIBOR and develop a transition plan for the affected items. The Company is currently evaluating the impact of adopting ASU 2020-04 on the consolidated financial statements.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale	The amortized cost and estimated fair value of securities available for sale along with allowance for credit losses, gross unrealized gains and losses are summarized as follows: (dollars in thousands) Amortized Allowance for Credit Losses Gross Gross Estimated March 31, 2021 U.S. government sponsored agencies $ 12,138 $ — $ 256 $ — $ 12,394 State, county and municipal securities 60,140 — 2,845 — 62,985 Corporate debt securities 46,131 (101) 946 (229) 46,747 SBA pool securities 54,305 — 1,488 (102) 55,691 Mortgage-backed securities 654,015 — 27,851 (31) 681,835 Total debt securities $ 826,729 $ (101) $ 33,386 $ (362) $ 859,652 December 31, 2020 U.S. government sponsored agencies $ 17,161 $ — $ 343 $ — $ 17,504 State, county and municipal securities 63,286 — 3,492 — 66,778 Corporate debt securities 51,639 (112) 602 (233) 51,896 SBA pool securities 59,973 — 2,620 (96) 62,497 Mortgage-backed securities 748,521 — 35,797 (114) 784,204 Total debt securities $ 940,580 $ (112) $ 42,854 $ (443) $ 982,879
Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity	The amortized cost and estimated fair value of debt securities available for sale securities as of March 31, 2021, by contractual maturity are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying these securities may be called or repaid without penalty. Therefore, these securities are not included in the maturity categories in the following maturity summary: ( dollars in thousands) Amortized Estimated Fair Value Due in one year or less $ 20,247 $ 20,462 Due from one year to five years 48,460 50,244 Due from five to ten years 59,558 61,722 Due after ten years 44,449 45,389 Mortgage-backed securities 654,015 681,835 $ 826,729 $ 859,652
Schedule of Gross Unrealized Losses and Fair Value of Securities	The following table shows the gross unrealized losses and estimated fair value of securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at March 31, 2021 and December 31, 2020: Less Than 12 Months 12 Months or More Total (dollars in thousands) Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2021 Corporate debt securities $ 2,920 $ (229) $ — $ — $ 2,920 $ (229) SBA pool securities 1,755 (13) 3,798 (89) 5,553 (102) Mortgage-backed securities 10,102 (28) 374 (3) 10,476 (31) Total debt securities $ 14,777 $ (270) $ 4,172 $ (92) $ 18,949 $ (362) December 31, 2020 Corporate debt securities $ 10,159 $ (233) $ — $ — $ 10,159 $ (233) SBA pool securities — — 3,948 (96) 3,948 (96) Mortgage-backed securities 24,120 (114) 2 — 24,122 (114) Total debt securities $ 34,279 $ (347) $ 3,950 $ (96) $ 38,229 $ (443)
Schedule of Investments Available-for-sale, Allowance for Credit Loss	The remaining $362,000 in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Allowance for credit losses Three Months Ended Three Months Ended Beginning balance $ 112 $ — Provision for expected credit losses (11) — Ending balance $ 101 $ —
Gain on Investments	Total loss on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three months ended March 31, 2021 and 2020: (dollars in thousands) March 31, 2021 March 31, 2020 Unrealized holding losses on equity securities $ (12) $ (9) Total loss on securities $ (12) $ (9)

LOANS (Tables)

LOANS (Tables)	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
Schedule of Accounts Notes Loans and Financial Receivables	Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table: (dollars in thousands) March 31, 2021 December 31, 2020 Commercial, financial and agricultural $ 1,611,029 $ 1,627,477 Consumer installment 257,097 306,995 Indirect automobile 482,637 580,083 Mortgage warehouse 880,216 916,353 Municipal 659,228 659,403 Premium finance 706,379 687,841 Real estate – construction and development 1,533,234 1,606,710 Real estate – commercial and farmland 5,616,826 5,300,006 Real estate – residential 2,853,159 2,796,057 $ 14,599,805 $ 14,480,925
Summary of Financial Receivable Nonaccrual Basis	The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) March 31, 2021 December 31, 2020 Commercial, financial and agricultural $ 9,686 $ 9,836 Consumer installment 646 709 Indirect automobile 1,530 2,831 Real estate – construction and development 5,421 5,407 Real estate – commercial and farmland 14,046 18,517 Real estate – residential 39,860 39,157 $ 71,189 $ 76,457 The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) March 31, 2021 December 31, 2020 Commercial, financial and agricultural $ 966 $ 764 Real estate – construction and development 66 416 Real estate – commercial and farmland 3,621 7,015 Real estate – residential 6,842 5,299 $ 11,495 $ 13,494
Summary of Past Due Financial Receivables	The following table presents an analysis of past-due loans as of March 31, 2021 and December 31, 2020: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 March 31, 2021 Commercial, financial and agricultural $ 5,729 $ 1,094 $ 4,922 $ 11,745 $ 1,599,284 $ 1,611,029 $ — Consumer installment 1,774 1,017 1,128 3,919 253,178 257,097 749 Indirect automobile 1,036 318 971 2,325 480,312 482,637 — Mortgage warehouse — — — — 880,216 880,216 — Municipal — — — — 659,228 659,228 — Premium finance 4,693 2,833 4,057 11,583 694,796 706,379 4,057 Real estate – construction and development 28,769 1,898 2,621 33,288 1,499,946 1,533,234 291 Real estate – commercial and farmland 9,796 527 8,114 18,437 5,598,389 5,616,826 — Real estate – residential 13,307 4,199 35,904 53,410 2,799,749 2,853,159 — Total $ 65,104 $ 11,886 $ 57,717 $ 134,707 $ 14,465,098 $ 14,599,805 $ 5,097 (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 December 31, 2020 Commercial, financial and agricultural $ 4,576 $ 2,018 $ 5,652 $ 12,246 $ 1,615,231 $ 1,627,477 $ — Consumer installment 2,189 1,114 2,318 5,621 301,374 306,995 1,755 Indirect automobile 3,293 1,006 2,171 6,470 573,613 580,083 — Mortgage warehouse — — — — 916,353 916,353 — Municipal — — — — 659,403 659,403 — Premium finance 7,188 3,895 6,571 17,654 670,187 687,841 6,571 Real estate – construction and development 13,348 723 5,150 19,221 1,587,489 1,606,710 — Real estate – commercial and farmland 5,370 1,701 8,651 15,722 5,284,284 5,300,006 — Real estate – residential 20,519 3,125 34,081 57,725 2,738,332 2,796,057 — Total $ 56,483 $ 13,582 $ 64,594 $ 134,659 $ 14,346,266 $ 14,480,925 $ 8,326
Summary of Impaired Financial Receivables	March 31, 2021 December 31, 2020 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 5,375 $ 1,777 $ 5,490 $ 2,252 Premium finance 1,577 11 3,523 — Real estate – construction and development 4,109 619 4,173 512 Real estate – commercial and farmland 93,689 20,378 100,180 21,001 Real estate – residential 12,672 1,579 9,716 891 $ 117,422 $ 24,364 $ 123,082 $ 24,656
Summary of Credit Quality Indicate Financial Receivable	The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of March 31, 2021 and December 31, 2020. Generally, current period renewals of credit are underwritten again at the point of renewal and considered current period originations for purposes of the tables below. The Company had an immaterial amount of revolving loans which converted to term loans and the amortized cost basis of those loans is included in the applicable origination year. There were no loans risk graded 9 at December 31, 2020. As of March 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Commercial, Financial and Agricultural Risk Grade: 1 $ 329,750 $ 483,062 $ 2,631 $ 983 $ 295 $ 5,290 $ 63,365 $ 885,376 2 7,799 449 8,991 638 810 976 10,771 30,434 3 30,638 69,131 43,563 14,490 17,168 9,080 61,094 245,164 4 38,031 74,263 59,189 77,684 30,449 35,375 75,733 390,724 5 76 4,191 4,543 4,374 6,345 4,493 6,431 30,453 6 3 12 1,673 470 576 3,847 397 6,978 7 343 3,080 3,790 2,686 4,072 6,361 1,568 21,900 Total commercial, financial and agricultural $ 406,640 $ 634,188 $ 124,380 $ 101,325 $ 59,715 $ 65,422 $ 219,359 $ 1,611,029 As of March 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Consumer Installment Risk Grade: 1 $ 1,597 $ 5,577 $ 2,625 $ 1,308 $ 510 $ 33 $ 155 $ 11,805 2 — — — 33 1 58 41 133 3 5,983 11,263 5,382 2,045 647 1,921 4,991 32,232 4 11,275 87,762 46,500 35,996 14,116 11,715 3,308 210,672 5 — 46 86 12 25 163 — 332 6 — — — 9 — 143 6 158 7 — 287 525 188 94 581 86 1,761 9 — — 2 — — — 2 4 Total consumer installment $ 18,855 $ 104,935 $ 55,120 $ 39,591 $ 15,393 $ 14,614 $ 8,589 $ 257,097 Indirect Automobile Risk Grade: 2 $ — $ — $ — $ 75 $ 29 $ 6,512 $ — $ 6,616 3 — — 31,573 162,594 159,571 119,905 — 473,643 6 — — — 30 33 101 — 164 7 — — 38 288 354 1,534 — 2,214 Total indirect automobile $ — $ — $ 31,611 $ 162,987 $ 159,987 $ 128,052 $ — $ 482,637 Mortgage Warehouse Risk Grade: 3 $ — $ — $ — $ — $ — $ — $ 880,216 $ 880,216 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 880,216 $ 880,216 Municipal Risk Grade: 1 $ 25,045 $ 91,812 $ 11,565 $ 8,540 $ 141,216 $ 205,673 $ — $ 483,851 2 — 72,903 — — — 13,012 — 85,915 3 — 61,551 682 — 5,452 12,648 — 80,333 4 — 6,285 — — — 2,844 — 9,129 Total municipal $ 25,045 $ 232,551 $ 12,247 $ 8,540 $ 146,668 $ 234,177 $ — $ 659,228 Premium Finance Risk Grade: 2 $ 351,490 $ 340,097 $ 9,738 $ 257 $ 638 $ 100 $ — $ 702,320 7 — 3,980 79 — — — — 4,059 Total premium finance $ 351,490 $ 344,077 $ 9,817 $ 257 $ 638 $ 100 $ — $ 706,379 As of March 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Real Estate – Construction and Development Risk Grade: 2 $ — $ 62 $ — $ — $ — $ — $ — $ 62 3 14,018 42,007 6,565 4,269 3,444 11,263 873 82,439 4 168,849 545,742 362,783 132,341 49,482 35,491 37,990 1,332,678 5 387 2,136 17,825 38,407 13,755 29,389 106 102,005 6 — 120 892 5,991 598 1,194 — 8,795 7 — 143 3,019 482 629 2,982 — 7,255 Total real estate – construction and development $ 183,254 $ 590,210 $ 391,084 $ 181,490 $ 67,908 $ 80,319 $ 38,969 $ 1,533,234 Real Estate – Commercial and Farmland Risk Grade: 1 $ — $ — $ — $ 156 $ — $ — $ — $ 156 2 — 7,352 380 448 2,094 13,262 17 23,553 3 186,578 928,268 414,458 181,807 248,378 515,131 52,651 2,527,271 4 87,859 366,846 563,285 396,659 255,335 671,363 43,474 2,384,821 5 1,323 17,020 96,085 71,810 63,286 142,589 4,223 396,336 6 — — 10,313 15,984 47,716 38,807 3 112,823 7 — 7,714 55,005 18,532 13,038 76,935 642 171,866 Total real estate – commercial and farmland $ 275,760 $ 1,327,200 $ 1,139,526 $ 685,396 $ 629,847 $ 1,458,087 $ 101,010 $ 5,616,826 Real Estate - Residential Risk Grade: 1 $ — $ — $ — $ — $ — $ 17 $ — $ 17 2 — 36 388 11 99 42,503 1,313 44,350 3 296,261 731,149 434,948 202,552 154,099 467,379 197,899 2,484,287 4 5,768 29,740 17,636 14,464 10,104 61,238 40,174 179,124 5 481 8,581 28,055 9,476 9,202 28,452 3,523 87,770 6 49 418 951 881 367 3,520 107 6,293 7 789 3,385 10,435 13,031 4,406 16,630 2,642 51,318 Total real estate - residential $ 303,348 $ 773,309 $ 492,413 $ 240,415 $ 178,277 $ 619,739 $ 245,658 $ 2,853,159 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Commercial, Financial and Agricultural Risk Grade: 1 $ 829,710 $ 2,912 $ 1,055 $ 387 $ 490 $ 4,961 $ 36,373 $ 875,888 2 1,213 1,512 668 996 172 967 14,317 19,845 3 109,352 54,266 16,932 17,968 7,027 3,905 68,806 278,256 4 86,837 71,645 74,388 37,779 15,359 23,069 85,366 394,443 5 4,061 4,269 4,772 7,443 804 5,842 4,352 31,543 6 21 72 506 193 3,509 1,232 632 6,165 7 3,312 3,460 2,579 3,573 1,294 5,214 1,886 21,318 8 — — — — — — 19 19 Total commercial, financial and agricultural $ 1,034,506 $ 138,136 $ 100,900 $ 68,339 $ 28,655 $ 45,190 $ 211,751 $ 1,627,477 Consumer Installment Risk Grade: 1 $ 6,782 $ 3,001 $ 1,550 $ 583 $ 95 $ 1 $ 667 $ 12,679 2 — — 46 2 — 63 42 153 3 15,172 6,960 2,838 887 1,455 601 4,389 32,302 4 120,800 53,593 53,182 16,329 3,121 9,437 3,556 260,018 5 49 127 28 30 3 242 8 487 6 — 2 9 — — 145 — 156 7 30 209 72 105 134 553 97 1,200 Total consumer installment $ 142,833 $ 63,892 $ 57,725 $ 17,936 $ 4,808 $ 11,042 $ 8,759 $ 306,995 Indirect Automobile Risk Grade: 2 $ — $ — $ 81 $ 31 $ 5,356 $ 3,054 $ — $ 8,522 3 — 35,432 187,656 188,302 103,570 52,781 — 567,741 6 — — 57 70 62 85 — 274 7 — 163 519 561 1,078 1,225 — 3,546 Total indirect automobile $ — $ 35,595 $ 188,313 $ 188,964 $ 110,066 $ 57,145 $ — $ 580,083 Mortgage Warehouse Risk Grade: 3 $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 Municipal Risk Grade: 1 $ 91,692 $ 12,685 $ 8,944 $ 143,741 $ 124,929 $ 97,923 $ — $ 479,914 2 73,000 — — — 9,410 — — 82,410 3 39,990 713 — 5,453 7,204 5,489 — 58,849 4 31,394 — — — — 6,836 — 38,230 Total municipal $ 236,076 $ 13,398 $ 8,944 $ 149,194 $ 141,543 $ 110,248 $ — $ 659,403 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Premium Finance Risk Grade: 2 $ 661,614 $ 18,236 $ 515 $ 746 $ 121 $ 38 $ — $ 681,270 7 5,811 760 — — — — — 6,571 Total premium finance $ 667,425 $ 18,996 $ 515 $ 746 $ 121 $ 38 $ — $ 687,841 Real Estate – Construction and Development Risk Grade: 3 $ 59,325 $ 7,035 $ 6,870 $ 8,046 $ 3,415 $ 6,916 $ 1,293 $ 92,900 4 605,254 445,496 205,444 50,181 14,672 26,915 68,574 1,416,536 5 1,614 26,720 9,612 13,261 17,712 10,127 107 79,153 6 685 1,036 3,646 1,302 — 4,564 — 11,233 7 15 2,858 566 271 42 3,136 — 6,888 Total real estate – construction and development $ 666,893 $ 483,145 $ 226,138 $ 73,061 $ 35,841 $ 51,658 $ 69,974 $ 1,606,710 Real Estate – Commercial and Farmland Risk Grade: 1 $ — $ — $ 161 $ — $ — $ — $ — $ 161 2 7,482 540 521 2,131 4,375 10,663 1,138 26,850 3 918,939 370,703 143,591 197,942 224,712 274,665 67,067 2,197,619 4 344,777 584,814 423,241 331,024 242,573 545,745 34,326 2,506,500 5 4,027 39,216 69,173 80,726 25,561 94,461 1,274 314,438 6 — 10,680 4,895 28,139 7,670 31,224 — 82,608 7 250 54,439 18,574 15,489 27,044 55,763 271 171,830 Total real estate – commercial and farmland $ 1,275,475 $ 1,060,392 $ 660,156 $ 655,451 $ 531,935 $ 1,012,521 $ 104,076 $ 5,300,006 Real Estate - Residential Risk Grade: 1 $ — $ — $ — $ — $ — $ 19 $ — $ 19 2 37 398 12 121 1,275 47,286 1,402 50,531 3 763,101 529,268 254,632 186,531 154,285 388,825 203,491 2,480,133 4 19,296 19,874 15,784 11,607 14,240 53,869 44,276 178,946 5 400 1,768 3,489 3,479 1,151 12,824 3,618 26,729 6 527 1,843 1,030 334 724 3,391 255 8,104 7 3,442 9,387 12,339 4,667 2,157 16,659 2,944 51,595 Total real estate - residential $ 786,803 $ 562,538 $ 287,286 $ 206,739 $ 173,832 $ 522,873 $ 255,986 $ 2,796,057
Summary of Troubled Debt Restructurings by Loan Class	The following table presents the loans by class modified as troubled debt restructurings which occurred during the three months ended March 31, 2021 and 2020: March 31, 2021 March 31, 2020 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 4 $ 463 — $ — Consumer installment — — 1 9 Real estate – commercial and farmland 2 7,658 1 64 Real estate – residential 5 572 8 903 Total 11 $ 8,693 10 $ 976
Troubled Debt Restructurings on Financing Receivable Payment Default	The following table presents for loans the troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three months ended March 31, 2021 and 2020: March 31, 2021 March 31, 2020 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 3 $ 56 1 $ 200 Consumer installment 5 6 — — Indirect automobile 16 94 — — Real estate – construction and development 1 1 2 287 Real estate – commercial and farmland 2 5,193 2 681 Real estate – residential 11 809 19 1,800 Total 38 $ 6,159 24 $ 2,968
Summary of Troubled Debt Restructuring by Loan Class, Classified Separately under Restructured Terms	The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at March 31, 2021 and December 31, 2020: March 31, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 10 $ 930 12 $ 854 Consumer installment 8 27 22 53 Indirect automobile 385 1,931 47 321 Real estate – construction and development 4 501 5 706 Real estate – commercial and farmland 27 43,398 10 2,233 Real estate – residential 248 33,324 36 2,818 Total 682 $ 80,111 132 $ 6,985 December 31, 2020 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 521 11 $ 849 Consumer installment 10 32 20 56 Indirect automobile 437 2,277 51 461 Real estate – construction and development 4 506 5 707 Real estate – commercial and farmland 28 36,707 7 1,401 Real estate – residential 264 38,800 34 2,671 Total 752 $ 78,843 128 $ 6,145
Financing Receivable, Schedule Of Short-Term Deferrals	The table below presents short-term deferrals related to the COVID-19 pandemic that were not considered TDRs. March 31, 2021 December 31, 2020 (dollars in thousands) COVID-19 Deferrals Deferrals as a % of total loans COVID-19 Deferrals Deferrals as a % of total loans Commercial, financial and agricultural $ 4,460 0.3 % $ 12,471 0.8 % Consumer installment 569 0.2 % 1,418 0.5 % Indirect automobile 3,536 0.7 % 8,936 1.5 % Real estate – construction and development 418 — % 11,049 0.7 % Real estate – commercial and farmland 152,337 2.7 % 179,183 3.4 % Real estate – residential 74,101 2.6 % 119,722 4.3 % $ 235,421 1.6 % $ 332,779 2.3 %
Schedule of Allowances for Loan Losses by Portfolio Segment	The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended March 31, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2020 $ 7,359 $ 4,076 $ 1,929 $ 3,666 $ 791 $ 3,879 Provision for loan losses 2,575 5,806 (528) (145) (1) 442 Loans charged off (2,370) (1,448) (829) — — (1,343) Recoveries of loans previously charged off 727 356 700 — — 1,122 Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2020 $ 45,304 $ 88,894 $ 43,524 $ 199,422 Provision for loan losses (22,587) 3,671 (5,812) (16,579) Loans charged off (26) (1,395) (163) (7,574) Recoveries of loans previously charged off 167 41 188 3,301 Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570 Three Months Ended March 31, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2019 $ 4,567 $ 3,784 $ — $ 640 $ 484 $ 2,550 Adjustment to allowance for adoption of ASU 2016-13 2,587 8,012 4,109 463 (92) 4,471 Provision for loan losses 3,080 4,149 564 (1) 130 4,634 Loans charged off (2,486) (1,142) (1,231) — — (831) Recoveries of loans previously charged off 362 321 344 — — 684 Balance, March 31, 2020 $ 8,110 $ 15,124 $ 3,786 $ 1,102 $ 522 $ 11,508 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2019 $ 5,995 $ 9,666 $ 10,503 $ 38,189 Adjustment to allowance for adoption of ASU 2016-13 12,248 27,073 19,790 78,661 Provision for loan losses 6,734 15,858 1,899 37,047 Loans charged off — (928) (100) (6,718) Recoveries of loans previously charged off 342 85 207 2,345 Balance, March 31, 2020 $ 25,319 $ 51,754 $ 32,299 $ 149,524

SECURITIES SOLD UNDER AGREEME_2

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Summary of Securities Sold Under Repurchase Agreements	The following is a summary of the Company’s securities sold under agreements to repurchase at March 31, 2021 and December 31, 2020: (dollars in thousands) March 31, 2021 December 31, 2020 Securities sold under agreements to repurchase $ 9,320 $ 11,641

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2021
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings consist of the following: (dollars in thousands) March 31, 2021 December 31, 2020 FHLB borrowings: Fixed Rate Advance due March 3, 2025; fixed interest rate of 1.208% $ 15,000 $ 15,000 Fixed Rate Advance due March 2, 2027; fixed interest rate of 1.445% 15,000 15,000 Fixed Rate Advance due March 4, 2030; fixed interest rate of 1.606% 15,000 15,000 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 1,408 1,411 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 975 977 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,531 1,567 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $780 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,220 74,188 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,105 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 117,895 117,835 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,119 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 76,119 76,150 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,917 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,083 108,027 $ 425,231 $ 425,155

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
Summary of Accumulated Other Comprehensive Income (Loss)	The following tables present a summary of the accumulated other comprehensive income balances, net of tax, as of March 31, 2021 and 2020: (dollars in thousands) Unrealized Gain (Loss) on Derivatives Unrealized Gain (Loss) on Securities Accumulated Other Comprehensive Income (Loss) Balance, January 1, 2021 $ — $ 33,505 $ 33,505 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (7,415) (7,415) Balance, March 31, 2021 $ — $ 26,090 $ 26,090 (dollars in thousands) Unrealized Gain (Loss) on Derivatives Unrealized Gain (Loss) on Securities Accumulated Other Comprehensive Income (Loss) Balance, January 1, 2020 $ (147) $ 18,142 $ 17,995 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax (97) 21,653 21,556 Balance, March 31, 2020 $ (244) $ 39,795 $ 39,551

WEIGHTED AVERAGE SHARES OUTST_2

WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	3 Months Ended
	Mar. 31, 2021
Earnings Per Share [Abstract]
Summary of Weighted Average Number of Shares	Earnings per share have been computed based on the following weighted average number of common shares outstanding: Three Months Ended (share data in thousands) 2021 2020 Average common shares outstanding 69,392 69,248 Common share equivalents: Stock options 81 93 Nonvested restricted share grants 172 161 Performance stock units 96 — Average common shares outstanding, assuming dilution 69,741 69,502

FAIR VALUE MEASURES (Tables)

FAIR VALUE MEASURES (Tables)	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures [Abstract]
Loans Held For Sale Fair Value	The Company's loans held for sale under the fair value option are comprised of the following: (dollars in thousands) March 31, 2021 December 31, 2020 Mortgage loans held for sale $ 1,505,121 $ 998,050 SBA loans held for sale 4,407 3,757 Total loans held for sale $ 1,509,528 $ 1,001,807
Difference Between Fair Value and Principal Balance for Mortgage Loans Held for Sale Measured at Fair Value	The following table summarizes the difference between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of March 31, 2021 and December 31, 2020: (dollars in thousands) March 31, 2021 December 31, 2020 Aggregate fair value of mortgage loans held for sale $ 1,505,121 $ 998,050 Aggregate unpaid principal balance of mortgage loans held for sale 1,479,606 947,460 Past-due loans of 90 days or more — — Nonaccrual loans — — Unpaid principal balance of nonaccrual loans — — The following table summarizes the difference between the fair value and the principal balance for SBA loans held for sale measured at fair value as of March 31, 2021 and December 31, 2020: (dollars in thousands) March 31, 2021 December 31, 2020 Aggregate fair value of SBA loans held for sale $ 4,407 $ 3,757 Aggregate unpaid principal balance of SBA loans held for sale 3,849 3,393 Past-due loans of 90 days or more — — Nonaccrual loans — —
Fair Value Measurements of Assets and Liabilities Measured on Recurring Basis	The following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall as of March 31, 2021 and December 31, 2020: Recurring Basis March 31, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: U.S. government sponsored agencies $ 12,394 $ — $ 12,394 $ — State, county and municipal securities 62,985 — 62,985 — Corporate debt securities 46,747 — 45,577 1,170 SBA pool securities 55,691 — 55,691 — Mortgage-backed securities 681,835 — 681,835 — Loans held for sale 1,509,528 — 1,509,528 — Mortgage banking derivative instruments 62,870 — 62,870 — Total recurring assets at fair value $ 2,432,050 $ — $ 2,430,880 $ 1,170 Recurring Basis December 31, 2020 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: U.S. government sponsored agencies $ 17,504 $ — $ 17,504 $ — State, county and municipal securities 66,778 — 66,778 — Corporate debt securities 51,896 — 50,726 1,170 SBA pool securities 62,497 — 62,497 — Mortgage-backed securities 784,204 — 784,204 — Loans held for sale 1,001,807 — 1,001,807 — Mortgage banking derivative instruments 51,756 — 51,756 — Total recurring assets at fair value $ 2,036,442 $ — $ 2,035,272 $ 1,170 Financial liabilities: Mortgage banking derivative instruments $ 16,415 $ — $ 16,415 $ — Total recurring liabilities at fair value $ 16,415 $ — $ 16,415 $ —
Summary of Fair Value Measurements of Assets Measured at Fair Value on Non-Recurring Basis	The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy as of March 31, 2021 and December 31, 2020: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 March 31, 2021 Collateral-dependent loans $ 93,058 $ — $ — $ 93,058 Other real estate owned 299 — — 299 Mortgage servicing rights 154,746 — — 154,746 Total nonrecurring assets at fair value $ 248,103 $ — $ — $ 248,103 December 31, 2020 Collateral-dependent loans $ 98,426 $ — $ — $ 98,426 Other real estate owned 4,964 — — 4,964 Mortgage servicing rights 130,630 — — 130,630 SBA servicing rights 5,839 — 5,839 — Total nonrecurring assets at fair value $ 239,859 $ — $ 5,839 $ 234,020
Summary of Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities	The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets: (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted March 31, 2021 Recurring: Investment securities available for sale $ 1,170 Discounted par values Probability of default 17.1% 17.1% Loss given default 39% 39% Nonrecurring: Collateral-dependent loans $ 93,058 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 57% 44% Other real estate owned $ 299 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 36% 27% Mortgage servicing rights $ 154,746 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 11% - 38% 13% December 31, 2020 Recurring: Investment securities available for sale $ 1,170 Discounted par values Probability of default 18.8% 18.8% Loss given default 40% 40% Nonrecurring: Collateral-dependent loans $ 98,426 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 90% 44% Other real estate owned $ 4,964 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 59% 28% Mortgage servicing rights $ 130,630 Discounted cash flows Discount rate 9% - 12% 10% Prepayment speed 14% - 37% 19%
Carrying Amount and Estimated Fair Value of Financial Instruments	The carrying amount and estimated fair value of the Company’s financial instruments, not shown elsewhere in these financial statements, were as follows: Fair Value Measurements March 31, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 224,159 $ 224,159 $ — $ — $ 224,159 Federal funds sold and interest-bearing accounts 2,534,969 2,534,969 — — 2,534,969 Time deposits in other banks 249 — 249 — 249 Loans, net 14,328,177 — — 14,339,254 14,339,254 Accrued interest receivable 70,697 — 3,469 67,228 70,697 Financial liabilities: Deposits 17,875,873 — 17,870,613 — 17,870,613 Securities sold under agreements to repurchase 9,320 9,320 — — 9,320 Other borrowings 425,231 — 429,650 — 429,650 Subordinated deferrable interest debentures 124,833 — 117,285 — 117,285 Accrued interest payable 7,126 — 7,126 — 7,126 Fair Value Measurements December 31, 2020 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 203,349 $ 203,349 $ — $ — $ 203,349 Federal funds sold and interest-bearing accounts 1,913,957 1,913,957 — — 1,913,957 Time deposits in other banks 249 — 249 — 249 Loans, net 14,183,077 — — 14,096,711 14,096,711 Accrued interest receivable 76,254 — 3,567 72,687 76,254 Financial liabilities: Deposits 16,957,823 — 16,968,606 — 16,968,606 Securities sold under agreements to repurchase 11,641 11,641 — — 11,641 Other borrowings 425,155 — 431,783 — 431,783 Subordinated deferrable interest debentures 124,345 — 116,280 — 116,280 Accrued interest payable 5,487 — 5,487 — 5,487

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedule of Guarantor Obligations	A summary of the Company’s commitments is as follows: (dollars in thousands) March 31, 2021 December 31, 2020 Commitments to extend credit $ 3,193,867 $ 2,826,719 Unused home equity lines of credit 257,967 259,015 Financial standby letters of credit 31,359 33,613 Mortgage interest rate lock commitments 1,033,336 1,199,939
Schedule of Allowance for Credit Loss for Unfunded Commitments	The following table presents activity in the allowance for unfunded commitments for the periods presented: Three Months Ended March 31, (dollars in thousands) 2021 2020 Balance at beginning of period $ 32,854 $ 1,077 Adjustment to reflect adoption of ASU 2016-13 — 12,714 Provision for unfunded commitments (11,839) 4,000 Balance at end of period $ 21,015 $ 17,791

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2021
Segment Reporting [Abstract]
Schedule of Segment Reporting, by Reportable Business Segments	The following tables present selected financial information with respect to the Company’s reportable business segments for the three months ended March 31, 2021 and 2020: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 112,379 $ 30,199 $ 10,327 $ 18,034 $ 7,011 $ 177,950 Interest expense (437) 11,215 421 1,399 375 12,973 Net interest income 112,816 18,984 9,906 16,635 6,636 164,977 Provision for credit losses (23,904) (4,553) (145) (547) 558 (28,591) Noninterest income 16,738 97,640 980 2,611 4 117,973 Noninterest expense Salaries and employee benefits 42,723 49,838 330 1,382 1,712 95,985 Equipment and occupancy expenses 10,120 1,476 1 106 78 11,781 Data processing and telecommunications expenses 10,201 1,546 49 1 87 11,884 Other expenses 19,710 8,189 33 295 921 29,148 Total noninterest expense 82,754 61,049 413 1,784 2,798 148,798 Income before income tax expense 70,704 60,128 10,618 18,009 3,284 162,743 Income tax expense 18,456 12,627 2,230 3,782 686 37,781 Net income $ 52,248 $ 47,501 $ 8,388 $ 14,227 $ 2,598 $ 124,962 Total assets $ 14,591,933 $ 4,086,210 $ 886,004 $ 1,055,068 $ 807,912 $ 21,427,127 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 53,745 — — — 14,103 67,848 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 132,301 $ 33,411 $ 4,850 $ 3,728 $ 8,478 $ 182,768 Interest expense 13,926 15,655 1,548 1,547 2,147 34,823 Net interest income 118,375 17,756 3,302 2,181 6,331 147,945 Provision for credit losses 35,997 1,997 (9) (903) 3,965 41,047 Noninterest income 17,773 34,369 960 1,277 — 54,379 Noninterest expense Salaries and employee benefits 41,621 31,097 210 1,476 1,542 75,946 Equipment and occupancy expenses 10,347 1,504 1 97 79 12,028 Data processing and telecommunications expenses 10,797 986 41 13 117 11,954 Other expenses 30,645 5,875 34 515 1,056 38,125 Total noninterest expense 93,410 39,462 286 2,101 2,794 138,053 Income (loss) before income tax expense 6,741 10,666 3,985 2,260 (428) 23,224 Income tax expense (benefit) 275 2,408 837 475 (93) 3,902 Net income (loss) $ 6,466 $ 8,258 $ 3,148 $ 1,785 $ (335) $ 19,322 Total assets $ 13,201,373 $ 3,466,766 $ 548,837 $ 252,668 $ 754,904 $ 18,224,548 Goodwill 867,449 — — — 64,498 931,947 Other intangible assets, net 68,857 — — — 17,098 85,955

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2021
Transfers and Servicing [Abstract]
Schedule of Carrying Value of Loan Servicing Rights Assets	The carrying value of the loan servicing rights assets is shown in the table below: (dollars in thousands) March 31, 2021 December 31, 2020 Loan Servicing Rights Residential mortgage $ 154,746 $ 130,630 SBA 6,445 5,839 Indirect automobile 29 73 Total loan servicing rights $ 161,220 $ 136,542 The table below is an analysis of the activity in the Company’s MSRs and impairment: (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing rights 2021 2020 Beginning carrying value, net $ 130,630 $ 94,902 Additions 21,867 16,061 Amortization (7,484) (4,166) Recoveries/(impairment) 9,733 (20,875) Ending carrying value, net $ 154,746 $ 85,922 (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing valuation allowance 2021 2020 Beginning balance $ 39,407 $ 104 Additions — 20,875 Recoveries (9,733) — Ending balance $ 29,674 $ 20,979 The table below is an analysis of the activity in the Company’s SBA loan servicing rights and impairment: (dollars in thousands) Three Months Ended March 31, SBA servicing rights 2021 2020 Beginning carrying value, net $ 5,839 $ 7,886 Additions 230 375 Purchase accounting adjustment — (1,214) Amortization (529) (363) Recoveries/(impairment) 905 (1,290) Ending carrying value, net $ 6,445 $ 5,394 (dollars in thousands) Three Months Ended March 31, SBA servicing valuation allowance 2021 2020 Beginning balance $ 905 $ 141 Additions — 1,290 Recoveries (905) — Ending balance $ — $ 1,431 (dollars in thousands) Three Months Ended March 31, Indirect automobile servicing rights 2021 2020 Beginning carrying value, net $ 73 $ 247 Amortization (44) (43) Ending carrying value, net $ 29 $ 204
Schedule of Sensitivity of Fair Value to Adverse Changes in Model Inputs and/or Assumptions	The key metrics and the sensitivity of the fair value to adverse changes in model inputs and/or assumptions are summarized below: (dollars in thousands) March 31, 2021 December 31, 2020 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 14,171,621 $ 13,764,529 Composition of residential loans serviced for others: FHLMC 21.05 % 21.55 % FNMA 61.40 % 61.75 % GNMA 17.55 % 16.70 % Total 100.00 % 100.00 % Weighted average term (months) 340 340 Weighted average age (months) 20 20 Modeled prepayment speed 13.37 % 18.82 % Decline in fair value due to a 10% adverse change (6,886) (7,154) Decline in fair value due to a 20% adverse change (13,262) (13,664) Weighted average discount rate 8.76 % 9.50 % Decline in fair value due to a 10% adverse change (5,522) (4,304) Decline in fair value due to a 20% adverse change (10,671) (8,321) (dollars in thousands) March 31, 2021 December 31, 2020 SBA servicing rights Unpaid principal balance of loans serviced for others $ 437,989 $ 351,325 Weighted average life (in years) 3.49 3.46 Modeled prepayment speed 19.05 % 19.14 % Decline in fair value due to a 10% adverse change (412) (335) Decline in fair value due to a 20% adverse change (783) (636) Weighted average discount rate 7.09 % 9.55 % Decline in fair value due to a 100 basis point adverse change (188) (151) Decline in fair value due to a 200 basis point adverse change (367) (295)

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES - Narrative (Details)	Mar. 31, 2021USD ($)branch	Dec. 31, 2020USD ($)	Mar. 26, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of branches operated | branch	165
Cash reserve required rate			0.00%
Reserve requirement | $	$ 0	$ 0

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 826,729	$ 940,580
Allowance for Credit Losses	(101)	(112)	$ 0	$ 0
Gross Unrealized Gains	33,386	42,854
Gross Unrealized Losses	(362)	(443)
Estimated Fair Value	859,652	982,879
U.S. government sponsored agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	12,138	17,161
Allowance for Credit Losses	0	0
Gross Unrealized Gains	256	343
Gross Unrealized Losses	0	0
Estimated Fair Value	12,394	17,504
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	60,140	63,286
Allowance for Credit Losses	0	0
Gross Unrealized Gains	2,845	3,492
Gross Unrealized Losses	0	0
Estimated Fair Value	62,985	66,778
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	46,131	51,639
Allowance for Credit Losses	(101)	(112)
Gross Unrealized Gains	946	602
Gross Unrealized Losses	(229)	(233)
Estimated Fair Value	46,747	51,896
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	54,305	59,973
Allowance for Credit Losses	0	0
Gross Unrealized Gains	1,488	2,620
Gross Unrealized Losses	(102)	(96)
Estimated Fair Value	55,691	62,497
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	654,015	748,521
Allowance for Credit Losses	0	0
Gross Unrealized Gains	27,851	35,797
Gross Unrealized Losses	(31)	(114)
Estimated Fair Value	$ 681,835	$ 784,204

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Amortized Cost
Due in one year or less	$ 20,247
Due from one year to five years	48,460
Due from five to ten years	59,558
Due after ten years	44,449
Mortgage-backed securities	654,015
Amortized Cost	826,729	$ 940,580
Estimated Fair Value
Due in one year or less	20,462
Due from one year to five years	50,244
Due from five to ten years	61,722
Due after ten years	45,389
Mortgage-backed securities	681,835
Estimated Fair Value	$ 859,652	$ 982,879

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	Mar. 31, 2021USD ($)security	Dec. 31, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Debt Securities, Available-for-sale [Line Items]
Allowance for Credit Losses	$ (101)	$ (112)	$ 0	$ 0
Gross Unrealized Losses	$ (362)	(443)
Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio | security	488
Number of securities in unrealized loss position | security	33
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security	21
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security	9
Allowance for Credit Losses	$ 0	0
Gross Unrealized Losses	$ (102)	(96)
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security	3
Allowance for Credit Losses	$ (101)	(112)
Gross Unrealized Losses	(229)	(233)
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Pledged securities, carrying value	$ 372,800	$ 438,700

INVESTMENT SECURITIES - Schedul

INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Value of Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Estimated Fair Value
Less than 12 months, estimated fair value	$ 14,777	$ 34,279
12 months or more, estimated fair value	4,172	3,950
Total estimated fair value	18,949	38,229
Unrealized Losses
Less than 12 months, unrealized losses	(270)	(347)
12 months or more, unrealized losses	(92)	(96)
Total unrealized losses	(362)	(443)
Corporate debt securities
Estimated Fair Value
Less than 12 months, estimated fair value	2,920	10,159
12 months or more, estimated fair value	0	0
Total estimated fair value	2,920	10,159
Unrealized Losses
Less than 12 months, unrealized losses	(229)	(233)
12 months or more, unrealized losses	0	0
Total unrealized losses	(229)	(233)
SBA pool securities
Estimated Fair Value
Less than 12 months, estimated fair value	1,755	0
12 months or more, estimated fair value	3,798	3,948
Total estimated fair value	5,553	3,948
Unrealized Losses
Less than 12 months, unrealized losses	(13)	0
12 months or more, unrealized losses	(89)	(96)
Total unrealized losses	(102)	(96)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	10,102	24,120
12 months or more, estimated fair value	374	2
Total estimated fair value	10,476	24,122
Unrealized Losses
Less than 12 months, unrealized losses	(28)	(114)
12 months or more, unrealized losses	(3)	0
Total unrealized losses	$ (31)	$ (114)

INVESTMENT SECURITIES - Sched_2

INVESTMENT SECURITIES - Schedule of Investments Available-for-sale, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Debt Securities, Available-for-sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 112	$ 0
Provision for expected credit losses	(11)	0
Ending balance	$ 101	$ 0

INVESTMENT SECURITIES - Sched_3

INVESTMENT SECURITIES - Schedule of Gain on Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Unrealized holding losses on equity securities	$ (12)	$ (9)
Total loss on securities	$ (12)	$ (9)

LOANS - Loans Receivable (Detai

LOANS - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 14,599,805	$ 14,480,925
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,611,029	1,627,477
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	257,097	306,995
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	482,637	580,083
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	880,216	916,353
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	659,228	659,403
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	706,379	687,841
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,533,234	1,606,710
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	5,616,826	5,300,006
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 2,853,159	$ 2,796,057

LOANS - Narrative (Details)

LOANS - Narrative (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 14,599,805,000		$ 14,480,925,000
Deferred interest on loans, allowance for credit losses	556,000		718,000
Interest income on nonaccrual loans	0		0
Loans modified that are not troubled debt restructurings	118,000,000	$ 71,300,000
COVID-19 Deferrals	$ 235,421,000		332,779,000
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Payment modification term	9 months
Loan Receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 67,800,000		73,400,000
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,611,029,000		1,627,477,000
COVID-19 Deferrals	4,460,000		12,471,000
Payment Protection Plan Loans | Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	792,000,000		827,400,000
Loans Excluding Purchased Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructuring	87,100,000		85,000,000
Troubled debt restructurings, previous charge-offs, excluding purchased loans	1,200,000		1,200,000
Allowance for loan losses allocated to troubled debt restructuring	14,200,000		$ 13,000,000
Troubled debt restructurings principal balances	8,693,000	976,000
Financing receivable, modifications, subsequent default, recorded investment	6,200,000	3,000,000
Loans Excluding Purchased Loan | Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructurings principal balances	$ 463,000	$ 0

LOANS - Loans Accounted for on

LOANS - Loans Accounted for on a Nonaccrual Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 71,189	$ 76,457
Financing receivable, nonaccrual, no allowance	11,495	13,494
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	9,686	9,836
Financing receivable, nonaccrual, no allowance	966	764
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	646	709
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	1,530	2,831
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	5,421	5,407
Financing receivable, nonaccrual, no allowance	66	416
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	14,046	18,517
Financing receivable, nonaccrual, no allowance	3,621	7,015
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	39,860	39,157
Financing receivable, nonaccrual, no allowance	$ 6,842	$ 5,299

LOANS - Analysis of Past-Due Lo

LOANS - Analysis of Past-Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	$ 134,707	$ 134,659
Current Loans	14,465,098	14,346,266
Total Loans	14,599,805	14,480,925
Loans 90 Days or More Past Due and Still Accruing	5,097	8,326
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	65,104	56,483
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	11,886	13,582
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	57,717	64,594
Commercial, financial and agricultural
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	11,745	12,246
Current Loans	1,599,284	1,615,231
Total Loans	1,611,029	1,627,477
Loans 90 Days or More Past Due and Still Accruing	0	0
Commercial, financial and agricultural | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	5,729	4,576
Commercial, financial and agricultural | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,094	2,018
Commercial, financial and agricultural | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,922	5,652
Consumer installment
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	3,919	5,621
Current Loans	253,178	301,374
Total Loans	257,097	306,995
Loans 90 Days or More Past Due and Still Accruing	749	1,755
Consumer installment | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,774	2,189
Consumer installment | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,017	1,114
Consumer installment | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,128	2,318
Indirect automobile
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,325	6,470
Current Loans	480,312	573,613
Total Loans	482,637	580,083
Loans 90 Days or More Past Due and Still Accruing	0	0
Indirect automobile | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,036	3,293
Indirect automobile | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	318	1,006
Indirect automobile | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	971	2,171
Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Current Loans	880,216	916,353
Total Loans	880,216	916,353
Loans 90 Days or More Past Due and Still Accruing	0	0
Mortgage warehouse | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Mortgage warehouse | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Mortgage warehouse | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Municipal
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Current Loans	659,228	659,403
Total Loans	659,228	659,403
Loans 90 Days or More Past Due and Still Accruing	0	0
Municipal | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Municipal | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Municipal | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Premium finance
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	11,583	17,654
Current Loans	694,796	670,187
Total Loans	706,379	687,841
Loans 90 Days or More Past Due and Still Accruing	4,057	6,571
Premium finance | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,693	7,188
Premium finance | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,833	3,895
Premium finance | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,057	6,571
Real estate – construction and development
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	33,288	19,221
Current Loans	1,499,946	1,587,489
Total Loans	1,533,234	1,606,710
Loans 90 Days or More Past Due and Still Accruing	291	0
Real estate – construction and development | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	28,769	13,348
Real estate – construction and development | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,898	723
Real estate – construction and development | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,621	5,150
Real estate – commercial and farmland
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	18,437	15,722
Current Loans	5,598,389	5,284,284
Total Loans	5,616,826	5,300,006
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – commercial and farmland | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	9,796	5,370
Real estate – commercial and farmland | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	527	1,701
Real estate – commercial and farmland | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	8,114	8,651
Real estate – residential
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	53,410	57,725
Current Loans	2,799,749	2,738,332
Total Loans	2,853,159	2,796,057
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – residential | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	13,307	20,519
Real estate – residential | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,199	3,125
Real estate – residential | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	$ 35,904	$ 34,081

LOANS - Summary of Information

LOANS - Summary of Information Pertaining to Impaired Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	$ 117,422	$ 123,082
Allowance for Credit Losses	24,364	24,656
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	5,375	5,490
Allowance for Credit Losses	1,777	2,252
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	1,577	3,523
Allowance for Credit Losses	11	0
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	4,109	4,173
Allowance for Credit Losses	619	512
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	93,689	100,180
Allowance for Credit Losses	20,378	21,001
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	12,672	9,716
Allowance for Credit Losses	$ 1,579	$ 891

LOANS - Loans by Risk Grade (De

LOANS - Loans by Risk Grade (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 14,599,805,000	$ 14,480,925,000
9
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		0
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	406,640,000	1,034,506,000
Year two	634,188,000	138,136,000
Year three	124,380,000	100,900,000
Year four	101,325,000	68,339,000
Year five	59,715,000	28,655,000
Prior	65,422,000	45,190,000
Revolving Loans Amortized Cost Basis	219,359,000	211,751,000
Total	1,611,029,000	1,627,477,000
Commercial, financial and agricultural | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	329,750,000	829,710,000
Year two	483,062,000	2,912,000
Year three	2,631,000	1,055,000
Year four	983,000	387,000
Year five	295,000	490,000
Prior	5,290,000	4,961,000
Revolving Loans Amortized Cost Basis	63,365,000	36,373,000
Total	885,376,000	875,888,000
Commercial, financial and agricultural | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	7,799,000	1,213,000
Year two	449,000	1,512,000
Year three	8,991,000	668,000
Year four	638,000	996,000
Year five	810,000	172,000
Prior	976,000	967,000
Revolving Loans Amortized Cost Basis	10,771,000	14,317,000
Total	30,434,000	19,845,000
Commercial, financial and agricultural | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	30,638,000	109,352,000
Year two	69,131,000	54,266,000
Year three	43,563,000	16,932,000
Year four	14,490,000	17,968,000
Year five	17,168,000	7,027,000
Prior	9,080,000	3,905,000
Revolving Loans Amortized Cost Basis	61,094,000	68,806,000
Total	245,164,000	278,256,000
Commercial, financial and agricultural | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	38,031,000	86,837,000
Year two	74,263,000	71,645,000
Year three	59,189,000	74,388,000
Year four	77,684,000	37,779,000
Year five	30,449,000	15,359,000
Prior	35,375,000	23,069,000
Revolving Loans Amortized Cost Basis	75,733,000	85,366,000
Total	390,724,000	394,443,000
Commercial, financial and agricultural | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	76,000	4,061,000
Year two	4,191,000	4,269,000
Year three	4,543,000	4,772,000
Year four	4,374,000	7,443,000
Year five	6,345,000	804,000
Prior	4,493,000	5,842,000
Revolving Loans Amortized Cost Basis	6,431,000	4,352,000
Total	30,453,000	31,543,000
Commercial, financial and agricultural | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	3,000	21,000
Year two	12,000	72,000
Year three	1,673,000	506,000
Year four	470,000	193,000
Year five	576,000	3,509,000
Prior	3,847,000	1,232,000
Revolving Loans Amortized Cost Basis	397,000	632,000
Total	6,978,000	6,165,000
Commercial, financial and agricultural | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	343,000	3,312,000
Year two	3,080,000	3,460,000
Year three	3,790,000	2,579,000
Year four	2,686,000	3,573,000
Year five	4,072,000	1,294,000
Prior	6,361,000	5,214,000
Revolving Loans Amortized Cost Basis	1,568,000	1,886,000
Total	21,900,000	21,318,000
Commercial, financial and agricultural | 8
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one		0
Year two		0
Year three		0
Year four		0
Year five		0
Prior		0
Revolving Loans Amortized Cost Basis		19,000
Total		19,000
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	18,855,000	142,833,000
Year two	104,935,000	63,892,000
Year three	55,120,000	57,725,000
Year four	39,591,000	17,936,000
Year five	15,393,000	4,808,000
Prior	14,614,000	11,042,000
Revolving Loans Amortized Cost Basis	8,589,000	8,759,000
Total	257,097,000	306,995,000
Consumer installment | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,597,000	6,782,000
Year two	5,577,000	3,001,000
Year three	2,625,000	1,550,000
Year four	1,308,000	583,000
Year five	510,000	95,000
Prior	33,000	1,000
Revolving Loans Amortized Cost Basis	155,000	667,000
Total	11,805,000	12,679,000
Consumer installment | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	46,000
Year four	33,000	2,000
Year five	1,000	0
Prior	58,000	63,000
Revolving Loans Amortized Cost Basis	41,000	42,000
Total	133,000	153,000
Consumer installment | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	5,983,000	15,172,000
Year two	11,263,000	6,960,000
Year three	5,382,000	2,838,000
Year four	2,045,000	887,000
Year five	647,000	1,455,000
Prior	1,921,000	601,000
Revolving Loans Amortized Cost Basis	4,991,000	4,389,000
Total	32,232,000	32,302,000
Consumer installment | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	11,275,000	120,800,000
Year two	87,762,000	53,593,000
Year three	46,500,000	53,182,000
Year four	35,996,000	16,329,000
Year five	14,116,000	3,121,000
Prior	11,715,000	9,437,000
Revolving Loans Amortized Cost Basis	3,308,000	3,556,000
Total	210,672,000	260,018,000
Consumer installment | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	49,000
Year two	46,000	127,000
Year three	86,000	28,000
Year four	12,000	30,000
Year five	25,000	3,000
Prior	163,000	242,000
Revolving Loans Amortized Cost Basis	0	8,000
Total	332,000	487,000
Consumer installment | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	2,000
Year three	0	9,000
Year four	9,000	0
Year five	0	0
Prior	143,000	145,000
Revolving Loans Amortized Cost Basis	6,000	0
Total	158,000	156,000
Consumer installment | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	30,000
Year two	287,000	209,000
Year three	525,000	72,000
Year four	188,000	105,000
Year five	94,000	134,000
Prior	581,000	553,000
Revolving Loans Amortized Cost Basis	86,000	97,000
Total	1,761,000	1,200,000
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	35,595,000
Year three	31,611,000	188,313,000
Year four	162,987,000	188,964,000
Year five	159,987,000	110,066,000
Prior	128,052,000	57,145,000
Revolving Loans Amortized Cost Basis	0	0
Total	482,637,000	580,083,000
Indirect automobile | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	81,000
Year four	75,000	31,000
Year five	29,000	5,356,000
Prior	6,512,000	3,054,000
Revolving Loans Amortized Cost Basis	0	0
Total	6,616,000	8,522,000
Indirect automobile | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	35,432,000
Year three	31,573,000	187,656,000
Year four	162,594,000	188,302,000
Year five	159,571,000	103,570,000
Prior	119,905,000	52,781,000
Revolving Loans Amortized Cost Basis	0	0
Total	473,643,000	567,741,000
Indirect automobile | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	57,000
Year four	30,000	70,000
Year five	33,000	62,000
Prior	101,000	85,000
Revolving Loans Amortized Cost Basis	0	0
Total	164,000	274,000
Indirect automobile | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	163,000
Year three	38,000	519,000
Year four	288,000	561,000
Year five	354,000	1,078,000
Prior	1,534,000	1,225,000
Revolving Loans Amortized Cost Basis	0	0
Total	2,214,000	3,546,000
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	880,216,000	916,353,000
Total	880,216,000	916,353,000
Mortgage warehouse | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	880,216,000	916,353,000
Total	880,216,000	916,353,000
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	25,045,000	236,076,000
Year two	232,551,000	13,398,000
Year three	12,247,000	8,944,000
Year four	8,540,000	149,194,000
Year five	146,668,000	141,543,000
Prior	234,177,000	110,248,000
Revolving Loans Amortized Cost Basis	0	0
Total	659,228,000	659,403,000
Municipal | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	25,045,000	91,692,000
Year two	91,812,000	12,685,000
Year three	11,565,000	8,944,000
Year four	8,540,000	143,741,000
Year five	141,216,000	124,929,000
Prior	205,673,000	97,923,000
Revolving Loans Amortized Cost Basis	0	0
Total	483,851,000	479,914,000
Municipal | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	73,000,000
Year two	72,903,000	0
Year three	0	0
Year four	0	0
Year five	0	9,410,000
Prior	13,012,000	0
Revolving Loans Amortized Cost Basis	0	0
Total	85,915,000	82,410,000
Municipal | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	39,990,000
Year two	61,551,000	713,000
Year three	682,000	0
Year four	0	5,453,000
Year five	5,452,000	7,204,000
Prior	12,648,000	5,489,000
Revolving Loans Amortized Cost Basis	0	0
Total	80,333,000	58,849,000
Municipal | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	31,394,000
Year two	6,285,000	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	2,844,000	6,836,000
Revolving Loans Amortized Cost Basis	0	0
Total	9,129,000	38,230,000
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	351,490,000	667,425,000
Year two	344,077,000	18,996,000
Year three	9,817,000	515,000
Year four	257,000	746,000
Year five	638,000	121,000
Prior	100,000	38,000
Revolving Loans Amortized Cost Basis	0	0
Total	706,379,000	687,841,000
Premium finance | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	351,490,000	661,614,000
Year two	340,097,000	18,236,000
Year three	9,738,000	515,000
Year four	257,000	746,000
Year five	638,000	121,000
Prior	100,000	38,000
Revolving Loans Amortized Cost Basis	0	0
Total	702,320,000	681,270,000
Premium finance | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	5,811,000
Year two	3,980,000	760,000
Year three	79,000	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	4,059,000	6,571,000
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	183,254,000	666,893,000
Year two	590,210,000	483,145,000
Year three	391,084,000	226,138,000
Year four	181,490,000	73,061,000
Year five	67,908,000	35,841,000
Prior	80,319,000	51,658,000
Revolving Loans Amortized Cost Basis	38,969,000	69,974,000
Total	1,533,234,000	1,606,710,000
Real estate – construction and development | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0
Year two	62,000
Year three	0
Year four	0
Year five	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total	62,000
Real estate – construction and development | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	14,018,000	59,325,000
Year two	42,007,000	7,035,000
Year three	6,565,000	6,870,000
Year four	4,269,000	8,046,000
Year five	3,444,000	3,415,000
Prior	11,263,000	6,916,000
Revolving Loans Amortized Cost Basis	873,000	1,293,000
Total	82,439,000	92,900,000
Real estate – construction and development | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	168,849,000	605,254,000
Year two	545,742,000	445,496,000
Year three	362,783,000	205,444,000
Year four	132,341,000	50,181,000
Year five	49,482,000	14,672,000
Prior	35,491,000	26,915,000
Revolving Loans Amortized Cost Basis	37,990,000	68,574,000
Total	1,332,678,000	1,416,536,000
Real estate – construction and development | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	387,000	1,614,000
Year two	2,136,000	26,720,000
Year three	17,825,000	9,612,000
Year four	38,407,000	13,261,000
Year five	13,755,000	17,712,000
Prior	29,389,000	10,127,000
Revolving Loans Amortized Cost Basis	106,000	107,000
Total	102,005,000	79,153,000
Real estate – construction and development | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	685,000
Year two	120,000	1,036,000
Year three	892,000	3,646,000
Year four	5,991,000	1,302,000
Year five	598,000	0
Prior	1,194,000	4,564,000
Revolving Loans Amortized Cost Basis	0	0
Total	8,795,000	11,233,000
Real estate – construction and development | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	15,000
Year two	143,000	2,858,000
Year three	3,019,000	566,000
Year four	482,000	271,000
Year five	629,000	42,000
Prior	2,982,000	3,136,000
Revolving Loans Amortized Cost Basis	0	0
Total	7,255,000	6,888,000
Real estate – construction and development | 9
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0
Year two	0
Year three	2,000
Year four	0
Year five	0
Prior	0
Revolving Loans Amortized Cost Basis	2,000
Total	4,000
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	275,760,000	1,275,475,000
Year two	1,327,200,000	1,060,392,000
Year three	1,139,526,000	660,156,000
Year four	685,396,000	655,451,000
Year five	629,847,000	531,935,000
Prior	1,458,087,000	1,012,521,000
Revolving Loans Amortized Cost Basis	101,010,000	104,076,000
Total	5,616,826,000	5,300,006,000
Real estate – commercial and farmland | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	161,000
Year four	156,000	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	156,000	161,000
Real estate – commercial and farmland | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	7,482,000
Year two	7,352,000	540,000
Year three	380,000	521,000
Year four	448,000	2,131,000
Year five	2,094,000	4,375,000
Prior	13,262,000	10,663,000
Revolving Loans Amortized Cost Basis	17,000	1,138,000
Total	23,553,000	26,850,000
Real estate – commercial and farmland | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	186,578,000	918,939,000
Year two	928,268,000	370,703,000
Year three	414,458,000	143,591,000
Year four	181,807,000	197,942,000
Year five	248,378,000	224,712,000
Prior	515,131,000	274,665,000
Revolving Loans Amortized Cost Basis	52,651,000	67,067,000
Total	2,527,271,000	2,197,619,000
Real estate – commercial and farmland | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	87,859,000	344,777,000
Year two	366,846,000	584,814,000
Year three	563,285,000	423,241,000
Year four	396,659,000	331,024,000
Year five	255,335,000	242,573,000
Prior	671,363,000	545,745,000
Revolving Loans Amortized Cost Basis	43,474,000	34,326,000
Total	2,384,821,000	2,506,500,000
Real estate – commercial and farmland | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,323,000	4,027,000
Year two	17,020,000	39,216,000
Year three	96,085,000	69,173,000
Year four	71,810,000	80,726,000
Year five	63,286,000	25,561,000
Prior	142,589,000	94,461,000
Revolving Loans Amortized Cost Basis	4,223,000	1,274,000
Total	396,336,000	314,438,000
Real estate – commercial and farmland | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	10,680,000
Year three	10,313,000	4,895,000
Year four	15,984,000	28,139,000
Year five	47,716,000	7,670,000
Prior	38,807,000	31,224,000
Revolving Loans Amortized Cost Basis	3,000	0
Total	112,823,000	82,608,000
Real estate – commercial and farmland | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	250,000
Year two	7,714,000	54,439,000
Year three	55,005,000	18,574,000
Year four	18,532,000	15,489,000
Year five	13,038,000	27,044,000
Prior	76,935,000	55,763,000
Revolving Loans Amortized Cost Basis	642,000	271,000
Total	171,866,000	171,830,000
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	303,348,000	786,803,000
Year two	773,309,000	562,538,000
Year three	492,413,000	287,286,000
Year four	240,415,000	206,739,000
Year five	178,277,000	173,832,000
Prior	619,739,000	522,873,000
Revolving Loans Amortized Cost Basis	245,658,000	255,986,000
Total	2,853,159,000	2,796,057,000
Real estate – residential | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	17,000	19,000
Revolving Loans Amortized Cost Basis	0	0
Total	17,000	19,000
Real estate – residential | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	37,000
Year two	36,000	398,000
Year three	388,000	12,000
Year four	11,000	121,000
Year five	99,000	1,275,000
Prior	42,503,000	47,286,000
Revolving Loans Amortized Cost Basis	1,313,000	1,402,000
Total	44,350,000	50,531,000
Real estate – residential | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	296,261,000	763,101,000
Year two	731,149,000	529,268,000
Year three	434,948,000	254,632,000
Year four	202,552,000	186,531,000
Year five	154,099,000	154,285,000
Prior	467,379,000	388,825,000
Revolving Loans Amortized Cost Basis	197,899,000	203,491,000
Total	2,484,287,000	2,480,133,000
Real estate – residential | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	5,768,000	19,296,000
Year two	29,740,000	19,874,000
Year three	17,636,000	15,784,000
Year four	14,464,000	11,607,000
Year five	10,104,000	14,240,000
Prior	61,238,000	53,869,000
Revolving Loans Amortized Cost Basis	40,174,000	44,276,000
Total	179,124,000	178,946,000
Real estate – residential | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	481,000	400,000
Year two	8,581,000	1,768,000
Year three	28,055,000	3,489,000
Year four	9,476,000	3,479,000
Year five	9,202,000	1,151,000
Prior	28,452,000	12,824,000
Revolving Loans Amortized Cost Basis	3,523,000	3,618,000
Total	87,770,000	26,729,000
Real estate – residential | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	49,000	527,000
Year two	418,000	1,843,000
Year three	951,000	1,030,000
Year four	881,000	334,000
Year five	367,000	724,000
Prior	3,520,000	3,391,000
Revolving Loans Amortized Cost Basis	107,000	255,000
Total	6,293,000	8,104,000
Real estate – residential | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	789,000	3,442,000
Year two	3,385,000	9,387,000
Year three	10,435,000	12,339,000
Year four	13,031,000	4,667,000
Year five	4,406,000	2,157,000
Prior	16,630,000	16,659,000
Revolving Loans Amortized Cost Basis	2,642,000	2,944,000
Total	$ 51,318,000	$ 51,595,000

LOANS - Loans by Class Modified

LOANS - Loans by Class Modified as Troubled Debt Restructurings (Details) - Loans Excluding Purchased Loan $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2021USD ($)contractbranch	Mar. 31, 2020USD ($)contractbranch	Dec. 31, 2020USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	11	10
Troubled debt restructurings principal balances	$ 8,693	$ 976
Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	38	24
Troubled debt restructurings principal balances	$ 6,159	$ 2,968
Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	682		752
Troubled debt restructurings principal balances	$ 80,111		$ 78,843
Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	132		128
Troubled debt restructurings principal balances	$ 6,985		$ 6,145
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	4	0
Troubled debt restructurings principal balances	$ 463	$ 0
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	3	1
Troubled debt restructurings principal balances	$ 56	$ 200
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	10		9
Troubled debt restructurings principal balances	$ 930		$ 521
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	12		11
Troubled debt restructurings principal balances	$ 854		$ 849
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	1
Troubled debt restructurings principal balances	$ 0	$ 9
Consumer installment | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	5	0
Troubled debt restructurings principal balances	$ 6	$ 0
Consumer installment | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	8		10
Troubled debt restructurings principal balances	$ 27		$ 32
Consumer installment | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	22		20
Troubled debt restructurings principal balances	$ 53		$ 56
Indirect automobile | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | branch	16	0
Troubled debt restructurings principal balances	$ 94	$ 0
Indirect automobile | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	385		437
Troubled debt restructurings principal balances	$ 1,931		$ 2,277
Indirect automobile | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	47		51
Troubled debt restructurings principal balances	$ 321		$ 461
Real estate – construction and development | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	1	2
Troubled debt restructurings principal balances	$ 1	$ 287
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	4		4
Troubled debt restructurings principal balances	$ 501		$ 506
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	5		5
Troubled debt restructurings principal balances	$ 706		$ 707
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	1
Troubled debt restructurings principal balances	$ 7,658	$ 64
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	2
Troubled debt restructurings principal balances	$ 5,193	$ 681
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	27		28
Troubled debt restructurings principal balances	$ 43,398		$ 36,707
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	10		7
Troubled debt restructurings principal balances	$ 2,233		$ 1,401
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	5	8
Troubled debt restructurings principal balances	$ 572	$ 903
Real estate – residential | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	11	19
Troubled debt restructurings principal balances	$ 809	$ 1,800
Real estate – residential | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	248		264
Troubled debt restructurings principal balances	$ 33,324		$ 38,800
Real estate – residential | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	36		34
Troubled debt restructurings principal balances	$ 2,818		$ 2,671

LOANS - Deferrals Loans (Detail

LOANS - Deferrals Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 235,421	$ 332,779
Deferrals as a % of total loans	1.60%	2.30%
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 4,460	$ 12,471
Deferrals as a % of total loans	0.30%	0.80%
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 569	$ 1,418
Deferrals as a % of total loans	0.20%	0.50%
Indirect automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 3,536	$ 8,936
Deferrals as a % of total loans	0.70%	1.50%
Real estate – construction and development
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 418	$ 11,049
Deferrals as a % of total loans	0.00%	0.70%
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 152,337	$ 179,183
Deferrals as a % of total loans	2.70%	3.40%
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 74,101	$ 119,722
Deferrals as a % of total loans	2.60%	4.30%

LOANS - Allowance for Loan Loss

LOANS - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 199,422	$ 38,189
Provision for loan losses	(16,579)	37,047
Loans charged off	(7,574)	(6,718)
Recoveries of loans previously charged off	3,301	2,345
Ending balance, Allowance	178,570	149,524
Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		78,661
Commercial, financial and agricultural
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	7,359	4,567
Provision for loan losses	2,575	3,080
Loans charged off	(2,370)	(2,486)
Recoveries of loans previously charged off	727	362
Ending balance, Allowance	8,291	8,110
Commercial, financial and agricultural | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		2,587
Consumer installment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	4,076	3,784
Provision for loan losses	5,806	4,149
Loans charged off	(1,448)	(1,142)
Recoveries of loans previously charged off	356	321
Ending balance, Allowance	8,790	15,124
Consumer installment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		8,012
Indirect automobile
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	1,929	0
Provision for loan losses	(528)	564
Loans charged off	(829)	(1,231)
Recoveries of loans previously charged off	700	344
Ending balance, Allowance	1,272	3,786
Indirect automobile | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		4,109
Mortgage warehouse
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	3,666	640
Provision for loan losses	(145)	(1)
Loans charged off	0	0
Recoveries of loans previously charged off	0	0
Ending balance, Allowance	3,521	1,102
Mortgage warehouse | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		463
Municipal
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	791	484
Provision for loan losses	(1)	130
Loans charged off	0	0
Recoveries of loans previously charged off	0	0
Ending balance, Allowance	790	522
Municipal | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		(92)
Premium finance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	3,879	2,550
Provision for loan losses	442	4,634
Loans charged off	(1,343)	(831)
Recoveries of loans previously charged off	1,122	684
Ending balance, Allowance	4,100	11,508
Premium finance | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		4,471
Real estate – construction and development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	45,304	5,995
Provision for loan losses	(22,587)	6,734
Loans charged off	(26)	0
Recoveries of loans previously charged off	167	342
Ending balance, Allowance	22,858	25,319
Real estate – construction and development | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		12,248
Real estate – commercial and farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	88,894	9,666
Provision for loan losses	3,671	15,858
Loans charged off	(1,395)	(928)
Recoveries of loans previously charged off	41	85
Ending balance, Allowance	91,211	51,754
Real estate – commercial and farmland | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		27,073
Real estate – residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	43,524	10,503
Provision for loan losses	(5,812)	1,899
Loans charged off	(163)	(100)
Recoveries of loans previously charged off	188	207
Ending balance, Allowance	$ 37,737	32,299
Real estate – residential | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance		$ 19,790

SECURITIES SOLD UNDER AGREEME_3

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Securities sold under agreements to repurchase	$ 9,320	$ 11,641

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 124,833	$ 124,345
Other borrowings	425,231	425,155
Fixed Rate Advance due March 3, 2025; fixed interest rate of 1.208%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 15,000	15,000
Debt instrument, interest rate, effective percentage	1.208%
Fixed Rate Advance due March 2, 2027; fixed interest rate of 1.445%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 15,000	15,000
Debt instrument, interest rate, effective percentage	1.445%
Fixed Rate Advance due March 4, 2030; fixed interest rate of 1.606%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 15,000	15,000
Debt instrument, interest rate, effective percentage	1.606%
Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 1,408	1,411
Debt instrument, interest rate, effective percentage	4.55%
Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 975	977
Debt instrument, interest rate, effective percentage	4.55%
Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 1,531	1,567
Debt instrument, interest rate, effective percentage	3.095%
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $780 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 74,220	74,188
Debt instrument, interest rate, effective percentage	5.75%
Unamortized debt issuance expense	$ 780	812
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $780 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% | London Interbank Offered Rate (LIBOR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.616%
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,105 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 117,895	117,835
Debt instrument, interest rate, effective percentage	4.25%
Unamortized debt issuance expense	$ 2,105	2,165
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,105 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% | Secured Overnight Financing Rate (SOFR)
Other Borrowings [Line Items]
Basis spread on variable rate	2.94%
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,119 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 76,119	76,150
Debt instrument, interest rate, effective percentage	5.875%
Unaccreted purchase accounting fair value adjustment	$ (1,119)	(1,150)
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,119 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% | London Interbank Offered Rate (LIBOR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.63%
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,917 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 108,083	108,027
Debt instrument, interest rate, effective percentage	3.875%
Unamortized debt issuance expense	$ 1,917	$ 1,973
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,917 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% | London Interbank Offered Rate (LIBOR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.753%

OTHER BORROWINGS - Narrative (D

OTHER BORROWINGS - Narrative (Details) $ in Millions	Mar. 31, 2021USD ($)
Debt Disclosure [Abstract]
Federal home loan bank, advances, general debt obligations, amount of available, unused funds	$ 3,550
Credit arrangements for federal funds purchase	127
Pledged assets separately reported, loans pledged for federal reserve bank, at fair value	3,040
Loans pledged at federal reserve discount window available for borrowing	$ 2,050

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 2,647,088	$ 2,469,582
Reclassification for gains included in net income, net of tax	0	0
Current year changes, net of tax	(7,415)	21,556
Balance at end of period	2,757,596	2,437,150
Unrealized Gain (Loss) on Derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	0	(147)
Reclassification for gains included in net income, net of tax	0	0
Current year changes, net of tax	0	(97)
Balance at end of period	0	(244)
Unrealized Gain (Loss) on Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	33,505	18,142
Reclassification for gains included in net income, net of tax	0	0
Current year changes, net of tax	(7,415)	21,653
Balance at end of period	26,090	39,795
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	33,505	17,995
Balance at end of period	$ 26,090	$ 39,551

WEIGHTED AVERAGE SHARES OUTST_3

WEIGHTED AVERAGE SHARES OUTSTANDING (Details) - shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Earnings Per Share [Abstract]
Average common shares outstanding (in shares)	69,392,000	69,248,000
Common share equivalents:
Stock options (in shares)	81,000	93,000
Nonvested restricted share grants (in shares)	172,000	161,000
Performance share units (in shares)	96,000	0
Average common shares outstanding, assuming dilution (in shares)	69,741,000	69,502,000
Potential common shares with strike prices that would cause them to be anti-dilutive (in shares)	0	0

FAIR VALUE MEASURES - Loans Hel

FAIR VALUE MEASURES - Loans Held for Sale Under the Fair Value Option (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, fair value	$ 1,509,528	$ 1,001,807
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, fair value	1,505,121	998,050
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, fair value	$ 4,407	$ 3,757

FAIR VALUE MEASURES - Narrative

FAIR VALUE MEASURES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Net gains (losses) from change in fair value of mortgages loans held for sale	$ (25.1)	$ 15.1
Net gains (losses) from change in fair value of derivative financial instruments	$ 27.5	$ (2.6)

FAIR VALUE MEASURES - Differenc

FAIR VALUE MEASURES - Difference Between Fair Value and Principal Balance of Loans Held for Sale Measured at Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Aggregate fair value of loans held for sale	$ 1,505,121	$ 998,050
Aggregate unpaid principal balance of loans held for sale	1,479,606	947,460
Past-due loans of 90 days or more	0	0
Nonaccrual loans	0	0
Unpaid principal balance of nonaccrual loans	0	0
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Aggregate fair value of loans held for sale	4,407	3,757
Aggregate unpaid principal balance of loans held for sale	3,849	3,393
Past-due loans of 90 days or more	0	0
Nonaccrual loans	$ 0	$ 0

FAIR VALUE MEASURES - Fair Valu

FAIR VALUE MEASURES - Fair Value Measurements of Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	$ 859,652	$ 982,879
Loans held for sale	1,509,528	1,001,807
U.S. government sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,394	17,504
State, county and municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	62,985	66,778
Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	46,747	51,896
SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	55,691	62,497
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	681,835	784,204
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,509,528	1,001,807
Total recurring assets at fair value	2,432,050	2,036,442
Total recurring liabilities at fair value		16,415
Fair Value, Measurements, Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Total recurring assets at fair value	0	0
Total recurring liabilities at fair value		0
Fair Value, Measurements, Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,509,528	1,001,807
Total recurring assets at fair value	2,430,880	2,035,272
Total recurring liabilities at fair value		16,415
Fair Value, Measurements, Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	1,170	1,170
Loans held for sale	0	0
Total recurring assets at fair value	1,170	1,170
Total recurring liabilities at fair value		0
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	62,870	51,756
Derivative liability		16,415
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability		0
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	62,870	51,756
Derivative liability		16,415
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability		0
Fair Value, Measurements, Recurring | U.S. government sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,394	17,504
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,394	17,504
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | State, county and municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	62,985	66,778
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	62,985	66,778
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	46,747	51,896
Fair Value, Measurements, Recurring | Corporate debt securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Corporate debt securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	45,577	50,726
Fair Value, Measurements, Recurring | Corporate debt securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	1,170	1,170
Fair Value, Measurements, Recurring | SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	55,691	62,497
Fair Value, Measurements, Recurring | SBA pool securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | SBA pool securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	55,691	62,497
Fair Value, Measurements, Recurring | SBA pool securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	681,835	784,204
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	681,835	784,204
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	$ 0	$ 0

FAIR VALUE MEASURES - Fair Va_2

FAIR VALUE MEASURES - Fair Value Measurements of Assets Measured at Fair Value on Non-Recurring Basis (Details) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 248,103	$ 239,859
Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	93,058	98,426
Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	299	4,964
Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	154,746	130,630
SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		5,839
Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		0
Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	5,839
Level 2 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2 | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		5,839
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	248,103	234,020
Level 3 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	93,058	98,426
Level 3 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	299	4,964
Level 3 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 154,746	130,630
Level 3 | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		$ 0

FAIR VALUE MEASURES - Significa

FAIR VALUE MEASURES - Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities (Details) $ in Thousands	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, at fair value	$ 859,652	$ 982,879
Other real estate owned, at fair value	8,841	11,880
Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, at fair value	1,170	1,170
Fair Value, Measurements, Nonrecurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, at fair value	93,058	98,426
Other real estate owned, at fair value	299	4,964
Mortgage Servicing Rights	$ 154,746	$ 130,630
Discounted par values | Probability of default | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.171	0.188
Discounted par values | Probability of default | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.171	0.188
Discounted par values | Loss given default | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.39
Discounted par values | Loss given default | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.39
Discounted par values | Loss given default | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input		0.40
Discounted par values | Loss given default | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input		0.40
Third-party appraisals and discounted cash flows | Collateral discounts and discount rates | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	20.00%	20.00%
Third-party appraisals and discounted cash flows | Collateral discounts and discount rates | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	57.00%	90.00%
Third-party appraisals and discounted cash flows | Collateral discounts and discount rates | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	44.00%	44.00%
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input	0.15	0.15
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input	0.36	0.59
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input	0.27	0.28
Discounted cash flows | Discount rate | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage Servicing Rights Measurement Input	0.09	0.09
Discounted cash flows | Discount rate | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage Servicing Rights Measurement Input	0.10	0.12
Discounted cash flows | Discount rate | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage Servicing Rights Measurement Input	0.09	0.10
Discounted cash flows | Prepayment speed | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage Servicing Rights Measurement Input	0.11	0.14
Discounted cash flows | Prepayment speed | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage Servicing Rights Measurement Input	0.38	0.37
Discounted cash flows | Prepayment speed | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage Servicing Rights Measurement Input	0.13	19

FAIR VALUE MEASURES - Carrying

FAIR VALUE MEASURES - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financial assets:
Cash and due from banks	$ 224,159	$ 203,349
Federal funds sold and interest-bearing accounts	2,534,969	1,913,957
Time deposits in other banks	249	249
Loans, net	14,328,177	14,183,077
Accrued interest receivable	70,697	76,254
Financial liabilities:
Deposits	17,875,873	16,957,823
Securities sold under agreements to repurchase	9,320	11,641
Other borrowings	425,231	425,155
Subordinated deferrable interest debentures	124,833	124,345
Accrued interest payable	7,126	5,487
Fair Value
Financial assets:
Cash and due from banks	224,159	203,349
Federal funds sold and interest-bearing accounts	2,534,969	1,913,957
Time deposits in other banks	249	249
Loans, net	14,339,254	14,096,711
Accrued interest receivable	70,697	76,254
Financial liabilities:
Deposits	17,870,613	16,968,606
Securities sold under agreements to repurchase	9,320	11,641
Other borrowings	429,650	431,783
Subordinated deferrable interest debentures	117,285	116,280
Accrued interest payable	7,126	5,487
Fair Value | Level 1
Financial assets:
Cash and due from banks	224,159	203,349
Federal funds sold and interest-bearing accounts	2,534,969	1,913,957
Time deposits in other banks	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
Securities sold under agreements to repurchase	9,320	11,641
Other borrowings	0	0
Subordinated deferrable interest debentures	0	0
Accrued interest payable	0	0
Fair Value | Level 2
Financial assets:
Cash and due from banks	0	0
Federal funds sold and interest-bearing accounts	0	0
Time deposits in other banks	249	249
Loans, net	0	0
Accrued interest receivable	3,469	3,567
Financial liabilities:
Deposits	17,870,613	16,968,606
Securities sold under agreements to repurchase	0	0
Other borrowings	429,650	431,783
Subordinated deferrable interest debentures	117,285	116,280
Accrued interest payable	7,126	5,487
Fair Value | Level 3
Financial assets:
Cash and due from banks	0	0
Federal funds sold and interest-bearing accounts	0	0
Time deposits in other banks	0	0
Loans, net	14,339,254	14,096,711
Accrued interest receivable	67,228	72,687
Financial liabilities:
Deposits	0	0
Securities sold under agreements to repurchase	0	0
Other borrowings	0	0
Subordinated deferrable interest debentures	0	0
Accrued interest payable	$ 0	$ 0

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Schedule of Guarantor Obligations (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 3,193,867	$ 2,826,719
Unused home equity lines of credit	257,967	259,015
Financial standby letters of credit	31,359	33,613
Mortgage interest rate lock commitments	$ 1,033,336	$ 1,199,939

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - Allowance for Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 199,422	$ 38,189
Provision for unfunded commitments	(16,579)	37,047
Ending balance, Allowance	178,570	149,524
Unfunded Loan Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	32,854	1,077
Provision for unfunded commitments	(11,839)	4,000
Ending balance, Allowance	21,015	17,791
Unfunded Loan Commitments | Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 0	$ 12,714

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES - Narrative (Details) $ in Millions	Mar. 31, 2021USD ($)
Federal Home Loan Bank | Letter of Credit
Loss Contingencies [Line Items]
Letter of credit	$ 490

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	3 Months Ended
	Mar. 31, 2021segment
Segment Reporting [Abstract]
Reportable segments	5

SEGMENT REPORTING - Schedule of

SEGMENT REPORTING - Schedule of Segment Reporting, by Reportable Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Segment Reporting Information [Line Items]
Interest income	$ 177,950	$ 182,768
Interest expense	12,973	34,823
Net interest income	164,977	147,945
Provision for credit losses	(28,591)	41,047
Noninterest income	117,973	54,379
Noninterest expense
Salaries and employee benefits	95,985	75,946
Equipment and occupancy expenses	11,781	12,028
Data processing and telecommunications expenses	11,884	11,954
Other expenses	29,148	38,125
Total noninterest expense	148,798	138,053
Income (loss) before income tax expense	162,743	23,224
Income tax expense (benefit)	37,781	3,902
Net income (loss)	124,962	19,322
Total assets	21,427,127	18,224,548	$ 20,438,638
Goodwill	928,005	931,947	928,005
Other intangible assets, net	67,848	85,955	$ 71,974
Banking Division
Segment Reporting Information [Line Items]
Interest income	112,379	132,301
Interest expense	(437)	13,926
Net interest income	112,816	118,375
Provision for credit losses	(23,904)	35,997
Noninterest income	16,738	17,773
Noninterest expense
Salaries and employee benefits	42,723	41,621
Equipment and occupancy expenses	10,120	10,347
Data processing and telecommunications expenses	10,201	10,797
Other expenses	19,710	30,645
Total noninterest expense	82,754	93,410
Income (loss) before income tax expense	70,704	6,741
Income tax expense (benefit)	18,456	275
Net income (loss)	52,248	6,466
Total assets	14,591,933	13,201,373
Goodwill	863,507	867,449
Other intangible assets, net	53,745	68,857
Retail Mortgage Division
Segment Reporting Information [Line Items]
Interest income	30,199	33,411
Interest expense	11,215	15,655
Net interest income	18,984	17,756
Provision for credit losses	(4,553)	1,997
Noninterest income	97,640	34,369
Noninterest expense
Salaries and employee benefits	49,838	31,097
Equipment and occupancy expenses	1,476	1,504
Data processing and telecommunications expenses	1,546	986
Other expenses	8,189	5,875
Total noninterest expense	61,049	39,462
Income (loss) before income tax expense	60,128	10,666
Income tax expense (benefit)	12,627	2,408
Net income (loss)	47,501	8,258
Total assets	4,086,210	3,466,766
Goodwill	0	0
Other intangible assets, net	0	0
Warehouse Lending Division
Segment Reporting Information [Line Items]
Interest income	10,327	4,850
Interest expense	421	1,548
Net interest income	9,906	3,302
Provision for credit losses	(145)	(9)
Noninterest income	980	960
Noninterest expense
Salaries and employee benefits	330	210
Equipment and occupancy expenses	1	1
Data processing and telecommunications expenses	49	41
Other expenses	33	34
Total noninterest expense	413	286
Income (loss) before income tax expense	10,618	3,985
Income tax expense (benefit)	2,230	837
Net income (loss)	8,388	3,148
Total assets	886,004	548,837
Goodwill	0	0
Other intangible assets, net	0	0
SBA Division
Segment Reporting Information [Line Items]
Interest income	18,034	3,728
Interest expense	1,399	1,547
Net interest income	16,635	2,181
Provision for credit losses	(547)	(903)
Noninterest income	2,611	1,277
Noninterest expense
Salaries and employee benefits	1,382	1,476
Equipment and occupancy expenses	106	97
Data processing and telecommunications expenses	1	13
Other expenses	295	515
Total noninterest expense	1,784	2,101
Income (loss) before income tax expense	18,009	2,260
Income tax expense (benefit)	3,782	475
Net income (loss)	14,227	1,785
Total assets	1,055,068	252,668
Goodwill	0	0
Other intangible assets, net	0	0
Premium  Finance  Division
Segment Reporting Information [Line Items]
Interest income	7,011	8,478
Interest expense	375	2,147
Net interest income	6,636	6,331
Provision for credit losses	558	3,965
Noninterest income	4	0
Noninterest expense
Salaries and employee benefits	1,712	1,542
Equipment and occupancy expenses	78	79
Data processing and telecommunications expenses	87	117
Other expenses	921	1,056
Total noninterest expense	2,798	2,794
Income (loss) before income tax expense	3,284	(428)
Income tax expense (benefit)	686	(93)
Net income (loss)	2,598	(335)
Total assets	807,912	754,904
Goodwill	64,498	64,498
Other intangible assets, net	$ 14,103	$ 17,098

LOAN SERVICING RIGHTS - Schedul

LOAN SERVICING RIGHTS - Schedule of Carrying Value of Loan Servicing Rights Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 161,220	$ 136,542
Residential mortgage
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	154,746	130,630	$ 85,922	$ 94,902
SBA
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	6,445	5,839	5,394	7,886
Indirect automobile
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 29	$ 73	$ 204	$ 247

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Residential Mortgage Loans
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 10,100	$ 6,200
SBA servicing rights
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	1,000	1,100
Indirect automobile
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 206	$ 710

LOAN SERVICING RIGHTS - Sched_2

LOAN SERVICING RIGHTS - Schedule of Activity of Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 136,542
Ending balance	161,220
Residential mortgage servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	130,630	$ 94,902
Additions	21,867	16,061
Amortization	(7,484)	(4,166)
Recoveries/(impairment)	9,733	(20,875)
Ending balance	154,746	85,922
Residential mortgage servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	39,407	104
Additions	0	20,875
Recoveries/(impairment)	(9,733)	0
Ending balance	29,674	20,979
SBA servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	5,839	7,886
Additions	230	375
Purchase accounting adjustment	0	(1,214)
Amortization	(529)	(363)
Recoveries/(impairment)	905	(1,290)
Ending balance	6,445	5,394
SBA servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	905	141
Additions	0	1,290
Recoveries/(impairment)	(905)	0
Ending balance	0	1,431
Indirect automobile
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	73	247
Amortization	(44)	(43)
Ending balance	$ 29	$ 204

LOAN SERVICING RIGHTS - Sched_3

LOAN SERVICING RIGHTS - Schedule of Sensitivity of Fair Value to Adverse Changes in Model Inputs and/or Assumptions (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Residential mortgage
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Unpaid principal balance of loans serviced for others	$ 14,171,621	$ 13,764,529
Loans serviced for others, percentage	100.00%	100.00%
Weighted average life (in years)	340 months	340 months
Weighted average age	20 months	20 months
Modeled prepayment speed	13.37%	18.82%
Decline in fair value due to a 10% adverse change	$ (6,886)	$ (7,154)
Decline in fair value due to a 20% adverse change	$ (13,262)	$ (13,664)
Weighted average discount rate	8.76%	9.50%
Decline in fair value due to a 10% adverse change	$ (5,522)	$ (4,304)
Decline in fair value due to a 20% adverse change	$ (10,671)	$ (8,321)
Residential mortgage | FHLMC
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Loans serviced for others, percentage	21.05%	21.55%
Residential mortgage | FNMA
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Loans serviced for others, percentage	61.40%	61.75%
Residential mortgage | GNMA
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Loans serviced for others, percentage	17.55%	16.70%
SBA servicing rights
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Unpaid principal balance of loans serviced for others	$ 437,989	$ 351,325
Weighted average life (in years)	3 years 5 months 26 days	3 years 5 months 15 days
Modeled prepayment speed	19.05%	19.14%
Decline in fair value due to a 10% adverse change	$ (412)	$ (335)
Decline in fair value due to a 20% adverse change	$ (783)	$ (636)
Weighted average discount rate	7.09%	9.55%
Decline in fair value due to a 10% adverse change	$ (188)	$ (151)
Decline in fair value due to a 20% adverse change	$ (367)	$ (295)

Uncategorized Items - abcb-2021

Label	Element	Value
Accounting Standards Update [Extensible List]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-13 [Member]