Ameris Bancorp (ABCB) 10-Q 9 Aug 21 2021 Q2 Quarterly report Financial data

Cover

Cover - shares	6 Months Ended
	Jun. 30, 2021	Jul. 31, 2021
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 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		69,766,395
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000351569
Current Fiscal Year End Date	--12-31

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 259,729	$ 203,349
Federal funds sold and interest-bearing deposits in banks	3,044,795	1,913,957
Cash and cash equivalents	3,304,524	2,117,306
Time deposits in other banks	0	249
Debt securities available-for-sale, at fair value, net of allowance for credit losses of $81 and $112	778,167	982,879
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $0 and $0 (fair value of $29,008 and $0)	29,055	0
Other investments	27,621	28,202
Loans held for sale (includes loans at fair value of $1,210,589 and $1,001,807)	1,210,589	1,167,659
Loans, net of unearned income	14,780,791	14,480,925
Allowance for credit losses	(175,070)	(199,422)
Loans, net	14,605,721	14,281,503
Other real estate owned, net	5,775	11,880
Premises and equipment, net	229,994	222,890
Goodwill	928,005	928,005
Other intangible assets, net	63,783	71,974
Cash value of bank owned life insurance	277,839	176,467
Deferred income taxes, net	9,081	33,314
Other assets	416,777	416,310
Total assets	21,886,931	20,438,638
Deposits:
Noninterest-bearing	6,983,761	6,151,070
Interest-bearing	11,274,236	10,806,753
Total deposits	18,257,997	16,957,823
Securities sold under agreements to repurchase	5,544	11,641
Other borrowings	425,303	425,155
Subordinated deferrable interest debentures	125,331	124,345
Other liabilities	235,752	272,586
Total liabilities	19,049,927	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; 72,007,871 and 71,753,705 shares issued	72,008	71,754
Capital surplus	1,920,566	1,913,285
Retained earnings	863,828	671,510
Accumulated other comprehensive income, net of tax	25,024	33,505
Treasury stock, at cost, 2,240,662 and 2,212,224 shares	(44,422)	(42,966)
Total shareholders’ equity	2,837,004	2,647,088
Total liabilities and shareholders’ equity	$ 21,886,931	$ 20,438,638

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Available-for-sale, allowance for credit loss	$ 81	$ 112
Debt securities, held-to-maturity, allowance for credit loss	0	0
Investment securities held-to-maturity	29,008	0
Loans held for sale, fair value	$ 1,210,589	$ 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)	72,007,871	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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Interest income
Interest and fees on loans	$ 167,761	$ 175,345	$ 338,918	$ 346,587
Interest on taxable securities	5,244	9,347	11,362	19,429
Interest on nontaxable securities	139	157	280	314
Interest on deposits in other banks and federal funds sold	607	169	1,141	1,456
Total interest income	173,751	185,018	351,701	367,786
Interest expense
Interest on deposits	5,775	14,273	12,573	38,375
Interest on other borrowings	6,124	6,931	12,299	17,652
Total interest expense	11,899	21,204	24,872	56,027
Net interest income	161,852	163,814	326,829	311,759
Provision for loan losses	(899)	68,449	(17,478)	105,496
Provision for unfunded commitments	1,299	19,712	(10,540)	23,712
Provision for other credit losses	(258)	0	(431)	0
Provision for credit losses	142	88,161	(28,449)	129,208
Net interest income after provision for credit losses	161,710	75,653	355,278	182,551
Noninterest income
Service charges on deposit accounts	11,007	9,922	21,836	21,766
Mortgage banking activity	70,231	104,925	168,717	140,258
Other service charges, commissions and fees	1,056	949	2,072	1,910
Net gain (loss) on securities	1	14	(11)	5
Other noninterest income	6,945	5,150	14,599	11,400
Total noninterest income	89,240	120,960	207,213	175,339
Noninterest expense
Salaries and employee benefits	85,505	95,168	181,490	171,114
Occupancy and equipment	10,812	13,807	22,593	25,835
Data processing and communications expenses	11,877	10,514	23,761	22,468
Credit resolution-related expenses	622	950	1,169	3,148
Advertising and marketing	1,946	1,455	3,377	3,813
Amortization of intangible assets	4,065	5,601	8,191	11,232
Merger and conversion charges	0	895	0	1,435
Other noninterest expenses	20,934	27,378	43,978	54,776
Total noninterest expense	135,761	155,768	284,559	293,821
Income (loss) before income tax expense	115,189	40,845	277,932	64,069
Income tax expense	26,862	8,609	64,643	12,511
Net income	88,327	32,236	213,289	51,558
Other comprehensive income (loss)
Net unrealized holding gains (losses) arising during period on investment securities available-for-sale, net of tax expense (benefit) of $(283), $(13), $(2,255) and $5,743	(1,066)	(49)	(8,481)	21,604
Net unrealized gains on cash flow hedge during the period, net of tax benefit of $0, $30, $0 and $4	0	111	0	14
Total other comprehensive income (loss)	(1,066)	62	(8,481)	21,618
Comprehensive income	$ 87,261	$ 32,298	$ 204,808	$ 73,176
Basic earnings per common share (in dollars per share)	$ 1.27	$ 0.47	$ 3.07	$ 0.74
Diluted earnings per common share (in dollars per share)	$ 1.27	$ 0.47	$ 3.06	$ 0.74
Weighted average common shares outstanding
Basic (in shares)	69,497	69,192	69,448	69,235
Diluted (in shares)	69,792	69,293	69,765	69,413

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Income Statement [Abstract]
Tax expense (benefit) from unrealized holding gain (loss) on securities arising during period	$ (283)	$ (13)	$ (2,255)	$ 5,743
Tax expense (benefit) from unrealized gain (loss) on cash flow hedges arising during period	$ 0	$ 30	$ 0	$ 4

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)			151,976
Issuance of restricted shares	289		$ 152	137
Forfeitures of restricted shares (in shares)			(11,250)
Forfeitures of restricted shares	(170)		$ (11)	(159)
Proceeds from exercise of stock options (in shares)			33,532
Proceeds from exercise of stock options	701		$ 33	668
Share-based compensation	2,085			2,085
Purchase of treasury shares (in shares)								215,309
Purchase of treasury shares	(7,973)							$ (7,973)
Net income	51,558				51,558
Dividends on common stock shares	(20,856)				(20,856)
Other comprehensive income (loss) during the period	21,618						21,618
Balance at end of period (in shares) at Jun. 30, 2020			71,674,087					2,211,305
Balance at end of period at Jun. 30, 2020	2,460,130		$ 71,674	1,909,839	481,948		39,613	$ (42,944)
Balance at beginning of period (in shares) at Mar. 31, 2020			71,651,986					2,210,712
Balance at beginning of period at Mar. 31, 2020	2,437,150		$ 71,652	1,908,721	460,153		39,551	$ (42,927)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			33,351
Issuance of restricted shares	0		$ 33	(33)
Forfeitures of restricted shares (in shares)			(11,250)
Forfeitures of restricted shares	(170)		$ (11)	(159)
Share-based compensation	1,310			1,310
Purchase of treasury shares (in shares)								593
Purchase of treasury shares	(17)							$ (17)
Net income	32,236				32,236
Dividends on common stock shares	(10,441)				(10,441)
Other comprehensive income (loss) during the period	62						62
Balance at end of period (in shares) at Jun. 30, 2020			71,674,087					2,211,305
Balance at end of period at Jun. 30, 2020	2,460,130		$ 71,674	1,909,839	481,948		39,613	$ (42,944)
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)			99,308
Issuance of restricted shares	599		$ 99	500
Forfeitures of restricted shares (in shares)			(750)
Forfeitures of restricted shares	(20)		$ (1)	(19)
Proceeds from exercise of stock options (in shares)			155,608
Proceeds from exercise of stock options	4,211		$ 156	4,055
Share-based compensation	2,745			2,745
Purchase of treasury shares (in shares)								28,438
Purchase of treasury shares	(1,456)							$ (1,456)
Net income	213,289				213,289
Dividends on common stock shares	(20,971)				(20,971)
Other comprehensive income (loss) during the period	(8,481)						(8,481)
Balance at end of period (in shares) at Jun. 30, 2021			72,007,871					2,240,662
Balance at end of period at Jun. 30, 2021	2,837,004		$ 72,008	1,920,566	863,828		25,024	$ (44,422)
Balance at beginning of period (in shares) at Mar. 31, 2021			71,954,088					2,240,662
Balance at beginning of period at Mar. 31, 2021	2,757,596		$ 71,954	1,917,990	785,984		26,090	$ (44,422)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			13,233
Issuance of restricted shares	0		$ 13	(13)
Forfeitures of restricted shares (in shares)			(750)
Forfeitures of restricted shares	(20)		$ (1)	(19)
Proceeds from exercise of stock options (in shares)			41,300
Proceeds from exercise of stock options	1,209		$ 42	1,167
Share-based compensation	1,441			1,441
Purchase of treasury shares	0
Net income	88,327				88,327
Dividends on common stock shares	(10,483)				(10,483)
Other comprehensive income (loss) during the period	(1,066)						(1,066)
Balance at end of period (in shares) at Jun. 30, 2021			72,007,871					2,240,662
Balance at end of period at Jun. 30, 2021	$ 2,837,004		$ 72,008	$ 1,920,566	$ 863,828		$ 25,024	$ (44,422)

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders’ Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Stockholders' Equity [Abstract]
Dividends on common share (in dollars per share)	$ 0.15	$ 0.15	$ 0.30	$ 0.30

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Operating Activities
Net income	$ 213,289	$ 51,558
Adjustments reconciling net income to net cash provided by (used in) operating activities:
Depreciation	8,226	7,923
Net losses on sale or disposal of premises and equipment	920	8
Net write-downs on other assets	149	1,090
Provision for credit losses	(28,449)	129,208
Net write-downs and (gains) losses on sale of other real estate owned	(558)	873
Share-based compensation expense	3,454	1,700
Amortization of intangible assets	8,191	11,232
Amortization of operating lease right of use assets	5,866	6,599
Provision for deferred taxes	26,488	(32,544)
Net amortization of investment securities available-for-sale	1,985	2,932
Net amortization of investment securities held-to-maturity	1	0
Net (gain) loss on securities	11	(5)
Accretion of discount on purchased loans, net	(10,589)	(16,138)
Net amortization on other borrowings	222	94
Amortization of subordinated deferrable interest debentures	986	970
Loan servicing asset impairment (recovery)	(11,388)	30,239
Originations of mortgage loans held for sale	(4,425,420)	(3,799,622)
Payments received on mortgage loans held for sale	24,477	34,849
Proceeds from sales of mortgage loans held for sale	4,198,098	3,724,287
Net gains on mortgage loans held for sale	(84,992)	(129,450)
Originations of SBA loans	(44,257)	(28,595)
Proceeds from sales of SBA loans	41,017	35,152
Net gains on sale of SBA loans	(3,453)	(2,614)
Increase in cash surrender value of bank owned life insurance	(2,078)	(1,876)
Gain on bank owned life insurance proceeds	(603)	(845)
Net gains on other loans held for sale	(457)	0
Changes in FDIC loss-share payable, net of cash payments	0	(562)
Change attributable to other operating activities	(13,363)	(52,715)
Net cash used in operating activities	(92,227)	(26,252)
Investing Activities, net of effects of business combinations
Proceeds from maturities of time deposits in other banks	249	0
Purchases of investment securities held-to-maturity	(29,056)	0
Proceeds from prepayments and maturities of securities available-for-sale	192,022	188,920
Net (increase) decrease in other investments	570	(9,529)
Net increase in loans	(219,110)	(1,591,894)
Purchases of premises and equipment	(17,196)	(9,267)
Proceeds from sale of premises and equipment	946	409
Proceeds from sales of other real estate owned	7,902	3,169
Payments paid to FDIC under loss-share agreements	0	(177)
Purchases of bank owned life insurance	(100,000)	0
Proceeds from bank owned life insurance	1,309	2,980
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	(2,417)
Net cash provided by (used in) investing activities	3,575	(1,417,806)
Financing Activities, net of effects of business combinations
Net increase in deposits	1,300,174	1,564,859
Net decrease in securities sold under agreements to repurchase	(6,097)	(7,756)
Proceeds from other borrowings	0	4,745,000
Repayment of other borrowings	(74)	(4,725,167)
Repayment of subordinated deferrable interest debentures	0	(5,155)
Proceeds from exercise of stock options	4,211	701
Dividends paid - common stock	(20,888)	(20,841)
Purchase of treasury shares	(1,456)	(7,973)
Net cash provided by financing activities	1,275,870	1,543,668
Net increase in cash and cash equivalents	1,187,218	99,610
Cash and cash equivalents at beginning of period	2,117,306	621,849
Cash and cash equivalents at end of period	3,304,524	721,459
Cash paid during the period for:
Interest	25,985	60,725
Income taxes	30,924	7,934
Loans transferred to other real estate owned	1,239	8,165
Loans transferred from loans held for sale to loans held for investment	85,748	86,557
Loans provided for the sales of other real estate owned	1,052	299
Right-of-use assets obtained in exchange for new operating lease liabilities	2,932	8,844
Change in unrealized gain (loss) on securities available-for-sale, net of tax	(8,481)	21,603
Change in unrealized gain (loss) on cash flow hedge, net of tax	$ 0	$ 14

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 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 June 30, 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 June 30, 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 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. 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 June 30, 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	6 Months Ended
	Jun. 30, 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) Securities available-for-sale Amortized Allowance for Credit Losses Gross Gross Estimated June 30, 2021 U.S. government sponsored agencies $ 12,120 $ — $ 207 $ — $ 12,327 State, county and municipal securities 58,016 — 2,820 — 60,836 Corporate debt securities 43,132 (81) 810 (249) 43,612 SBA pool securities 52,283 — 2,071 (73) 54,281 Mortgage-backed securities 581,021 — 26,100 (10) 607,111 Total debt securities available-for-sale $ 746,572 $ (81) $ 32,008 $ (332) $ 778,167 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 available-for-sale $ 940,580 $ (112) $ 42,854 $ (443) $ 982,879 The amortized cost and estimated fair value of securities held-to-maturity along with gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities held-to-maturity Amortized Gross Gross Estimated June 30, 2021 Mortgage-backed securities $ 29,055 $ 10 $ (57) $ 29,008 Total debt securities held-to-maturity $ 29,055 $ 10 $ (57) $ 29,008 The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of June 30, 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: Available-for-Sale Held-to-Maturity ( dollars in thousands) Amortized Estimated Fair Value Amortized Estimated Fair Value Due in one year or less $ 21,699 $ 21,889 $ — $ — Due from one year to five years 43,270 44,969 — — Due from five to ten years 58,019 60,100 — — Due after ten years 42,563 44,098 — — Mortgage-backed securities 581,021 607,111 29,055 29,008 $ 746,572 $ 778,167 $ 29,055 $ 29,008 Securities with a carrying value of approximately $389.6 million and $438.7 million at June 30, 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 available-for-sale securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at June 30, 2021 and December 31, 2020: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2021 Corporate debt securities $ 2,920 $ (249) $ — $ — $ 2,920 $ (249) SBA pool securities — — 2,983 (73) 2,983 (73) Mortgage-backed securities 3,214 (7) 424 (3) 3,638 (10) Total debt securities available-for-sale $ 6,134 $ (256) $ 3,407 $ (76) $ 9,541 $ (332) 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 available-for-sale $ 34,279 $ (347) $ 3,950 $ (96) $ 38,229 $ (443) As of June 30, 2021, the Company’s available-for-sale security portfolio consisted of 470 securities, 17 of which were in an unrealized loss position. At June 30, 2021, the Company held nine mortgage-backed securities that were in an unrealized loss position, all of which were issued by U.S. government-sponsored entities and agencies. At June 30, 2021, the Company held five U.S. Small Business Administration (“SBA”) pool securities and three corporate securities that were in an unrealized loss position. The following table shows the gross unrealized losses and estimated fair value of held-to-maturity securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at June 30, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2021 Mortgage-backed securities $ 9,583 $ (57) $ — $ — $ 9,583 $ (57) Total debt securities held-to-maturity $ 9,583 $ (57) $ — $ — $ 9,583 $ (57) As of June 30, 2021, the Company’s held-to-maturity security portfolio consisted of four mortgage-backed securities, two of which 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 June 30, 2021 or December 31, 2020. At June 30, 2021 and December 31, 2020, all of the Company’s mortgage-backed securities were obligations of government-sponsored agencies. Management and the Company’s Asset and Liability Committee (the “ALCO Committee”) evaluate available-for-sale 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 available-for-sale investment securities at an unrealized loss position at June 30, 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 June 30, 2021, management determined $81,000 was attributable to credit impairment and established the allowance for credit losses accordingly. The remaining $332,000 in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Allowance for credit losses 2021 2020 2021 2020 Beginning balance $ 101 $ — $ 112 $ — Provision for expected credit losses (20) — (31) — Ending balance $ 81 $ — $ 81 $ — The Company's held-to-maturity securities have zero expected credit losses and no related allowance for credit losses has been established. Total gain (loss) on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three and six months ended June 30, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Unrealized holding gains (losses) on equity securities $ 1 $ 14 $ (11) $ 5 Total gain (loss) on securities $ 1 $ 14 $ (11) $ 5

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	6 Months Ended
	Jun. 30, 2021
Receivables [Abstract]
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE 3 – LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table: (dollars in thousands) June 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 1,406,421 $ 1,627,477 Consumer installment 229,411 306,995 Indirect automobile 397,373 580,083 Mortgage warehouse 841,347 916,353 Municipal 647,578 659,403 Premium finance 780,328 687,841 Real estate – construction and development 1,527,883 1,606,710 Real estate – commercial and farmland 6,051,472 5,300,006 Real estate – residential 2,898,978 2,796,057 $ 14,780,791 $ 14,480,925 Included in commercial, financial and agricultural loans at June 30, 2021 and December 31, 2020 above are $487.9 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 $62.3 million and $73.4 million at June 30, 2021 and December 31, 2020, respectively. The Company recorded an allowance for credit losses of $318,000 and $718,000 related to deferred interest on loans modified under its Disaster Relief Program at June 30, 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) June 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 7,284 $ 9,836 Consumer installment 503 709 Indirect automobile 1,393 2,831 Real estate – construction and development 1,746 5,407 Real estate – commercial and farmland 17,385 18,517 Real estate – residential 31,610 39,157 $ 59,921 $ 76,457 There was no interest income recognized on nonaccrual loans during the six months ended June 30, 2021 and 2020. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) June 30, 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 June 30, 2021 and December 31, 2020: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 June 30, 2021 Commercial, financial and agricultural $ 3,070 $ 1,012 $ 3,176 $ 7,258 $ 1,399,163 $ 1,406,421 $ — Consumer installment 1,575 1,027 869 3,471 225,940 229,411 556 Indirect automobile 699 345 895 1,939 395,434 397,373 — Mortgage warehouse — — — — 841,347 841,347 — Municipal — — — — 647,578 647,578 — Premium finance 3,866 3,853 2,668 10,387 769,941 780,328 2,669 Real estate – construction and development 18,562 1,037 2,764 22,363 1,505,520 1,527,883 1,649 Real estate – commercial and farmland 1,160 618 6,412 8,190 6,043,282 6,051,472 — Real estate – residential 10,093 4,608 27,883 42,584 2,856,394 2,898,978 — Total $ 39,025 $ 12,500 $ 44,667 $ 96,192 $ 14,684,599 $ 14,780,791 $ 4,874 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 fair value of the collateral 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 exceeds the estimated fair value of the collateral. The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: June 30, 2021 December 31, 2020 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 3,246 $ 889 $ 5,490 $ 2,252 Premium finance 258 — 3,523 — Real estate – construction and development 2,244 693 4,173 512 Real estate – commercial and farmland 83,000 18,494 100,180 21,001 Real estate – residential 10,928 1,070 9,716 891 $ 99,676 $ 21,146 $ 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 have one or more higher inherent risk characteristics. 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 June 30, 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 June 30, 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 $ 376,496 $ 140,359 $ 2,340 $ 918 $ 219 $ 4,915 $ 125,123 $ 650,370 2 228 446 8,778 453 766 879 3,789 15,339 3 101,165 63,440 41,678 12,311 15,782 8,307 51,509 294,192 4 62,535 67,264 53,086 67,882 26,090 29,502 88,234 394,593 5 181 3,946 3,882 3,713 5,470 4,130 6,821 28,143 6 — 6 461 406 507 4,742 497 6,619 7 375 658 3,940 2,602 3,712 5,096 782 17,165 Total commercial, financial and agricultural $ 540,980 $ 276,119 $ 114,165 $ 88,285 $ 52,546 $ 57,571 $ 276,755 $ 1,406,421 Consumer Installment Risk Grade: 1 $ 3,954 $ 4,203 $ 2,252 $ 1,119 $ 393 $ 13 $ 3,099 $ 15,033 2 — — — 24 1 55 36 116 3 11,379 9,354 3,932 1,488 497 1,595 2,943 31,188 4 10,160 71,425 41,168 32,182 12,267 10,878 3,130 181,210 5 — 32 75 8 21 160 — 296 6 — — 5 8 — 141 6 160 7 10 217 345 166 66 536 66 1,406 9 — — — — — — 2 2 Total consumer installment $ 25,503 $ 85,231 $ 47,777 $ 34,995 $ 13,245 $ 13,378 $ 9,282 $ 229,411 Indirect Automobile Risk Grade: 2 $ — $ — $ — $ 68 $ 26 $ 4,862 $ — $ 4,956 3 — — 27,695 139,757 132,451 90,484 — 390,387 6 — — — 29 31 85 — 145 7 — — 37 296 327 1,225 — 1,885 Total indirect automobile $ — $ — $ 27,732 $ 140,150 $ 132,835 $ 96,656 $ — $ 397,373 Mortgage Warehouse Risk Grade: 3 $ — $ — $ — $ — $ — $ — $ 841,347 $ 841,347 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 841,347 $ 841,347 As of June 30, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Municipal Risk Grade: 1 $ 36,781 $ 93,621 $ 13,555 $ 7,227 $ 138,378 $ 192,462 $ — $ 482,024 2 1,842 72,018 — — — 12,968 — 86,828 3 — 60,812 650 — 5,453 2,989 — 69,904 4 — 6,140 — — — 2,682 — 8,822 Total municipal $ 38,623 $ 232,591 $ 14,205 $ 7,227 $ 143,831 $ 211,101 $ — $ 647,578 Premium Finance Risk Grade: 2 $ 654,607 $ 119,382 $ 2,973 $ 109 $ 528 $ 60 $ — $ 777,659 7 593 2,076 — — — — — 2,669 Total premium finance $ 655,200 $ 121,458 $ 2,973 $ 109 $ 528 $ 60 $ — $ 780,328 Real Estate – Construction and Development Risk Grade: 2 $ — $ 62 $ — $ — $ — $ — $ — $ 62 3 7,884 37,592 6,222 3,962 2,633 8,030 1,038 67,361 4 426,409 451,515 295,524 67,692 42,799 27,869 37,595 1,349,403 5 — 528 16,913 44,673 13,946 27,151 105 103,316 6 — — 21 2,126 — 646 — 2,793 7 1,546 13 170 295 624 2,300 — 4,948 Total real estate – construction and development $ 435,839 $ 489,710 $ 318,850 $ 118,748 $ 60,002 $ 65,996 $ 38,738 $ 1,527,883 Real Estate – Commercial and Farmland Risk Grade: 1 $ — $ — $ — $ 146 $ — $ — $ — $ 146 2 56,737 7,332 354 448 2,058 12,776 — 79,705 3 566,934 853,282 410,581 171,064 169,835 485,822 43,381 2,700,899 4 227,946 424,926 580,795 432,688 241,782 631,786 31,889 2,571,812 5 1,679 17,197 112,473 72,218 133,334 149,037 4,053 489,991 6 462 — 10,369 14,008 29,841 28,571 884 84,135 7 2,184 6,791 36,428 16,648 6,430 56,298 5 124,784 Total real estate – commercial and farmland $ 855,942 $ 1,309,528 $ 1,151,000 $ 707,220 $ 583,280 $ 1,364,290 $ 80,212 $ 6,051,472 Real Estate - Residential Risk Grade: 1 $ — $ — $ — $ — $ — $ 15 $ — $ 15 2 — 36 378 — 96 36,139 1,150 37,799 3 611,704 681,564 352,543 157,688 115,923 390,335 186,520 2,496,277 4 16,340 12,494 16,410 12,529 8,699 49,078 35,969 151,519 5 532 19,488 43,677 22,071 13,844 54,793 2,787 157,192 6 618 417 933 870 399 3,556 107 6,900 7 408 4,042 12,503 11,053 4,215 14,001 3,054 49,276 Total real estate - residential $ 629,602 $ 718,041 $ 426,444 $ 204,211 $ 143,176 $ 547,917 $ 229,587 $ 2,898,978 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’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 six months of 2021 and 2020 totaling $220.8 million and $139.6 million, respectively, under such parameters. As of June 30, 2021 and December 31, 2020, the Company had a balance of $92.3 million and $85.0 million, respectively, in troubled debt restructurings. The Company has recorded $1.0 million and $1.2 million in previous charge-offs on such loans at June 30, 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 June 30, 2021 and December 31, 2020, respectively. At June 30, 2021, the Company did not have any commitments to lend additional funds to debtors whose terms have been modified in troubled restructurings. The following table presents the loans by class modified as troubled debt restructurings which occurred during the three and six months ended June 30, 2021 and 2020. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 2 $ 165 1 $ 731 6 $ 591 1 $ 731 Consumer installment 2 8 3 7 2 8 4 15 Real estate – construction and development — — — — — — 1 20 Real estate – commercial and farmland 3 8,653 — — 5 16,312 1 16 Real estate – residential 2 472 5 839 12 1,457 76 10,496 Total 9 $ 9,298 9 $ 1,577 25 $ 18,368 83 $ 11,278 The following table presents the outstanding balance of troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three and six months ended June 30, 2021 and 2020. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — — $ — 3 $ 49 1 $ 200 Consumer installment — — 3 4 4 5 3 4 Indirect automobile 7 27 — — 22 112 — — Real estate – construction and development — — — — 1 1 2 285 Real estate – commercial and farmland 1 202 — — 3 5,382 2 676 Real estate – residential 17 940 4 164 27 1,646 8 567 Total 25 $ 1,169 7 $ 168 60 $ 7,195 16 $ 1,732 The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at June 30, 2021 and December 31, 2020: June 30, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 12 $ 1,038 10 $ 805 Consumer installment 9 28 19 43 Indirect automobile 336 1,647 47 301 Real estate – construction and development 5 898 4 301 Real estate – commercial and farmland 28 46,025 11 7,103 Real estate – residential 238 31,570 31 2,515 Total 628 $ 81,206 122 $ 11,068 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 June 30, 2021, $127.7 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. June 30, 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 $ 2,539 0.2 % $ 12,471 0.8 % Consumer installment 29 — % 1,418 0.5 % Indirect automobile 1,126 0.3 % 8,936 1.5 % Real estate – construction and development 873 0.1 % 11,049 0.7 % Real estate – commercial and farmland 63,827 1.1 % 179,183 3.4 % Real estate – residential 59,331 2.0 % 119,722 4.3 % $ 127,725 0.9 % $ 332,779 2.3 % Allowance for Credit Losses on Loans 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. The Company’s methodologies for estimating the allowance for credit losses consider available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodologies apply historical loss information, adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions expected to exist through the contractual lives of the financial assets that are reasonable and supportable, to the identified pools of loans with similar risk characteristics for which the historical loss experience was observed. The Company utilizes a one year reasonable and supportable forecast period. The Company’s methodologies revert back to historical loss information on a straight-line basis over four quarters when it can no longer develop reasonable and supportable forecasts. During the six months ended June 30, 2021, the allowance for credit losses decreased primarily due to improvement in forecasted macroeconomic factors. The allowance for credit losses was determined at June 30, 2021 using a weighting of three economic forecasts from Moody's. 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 was weighted at 50%, the stagflation scenario was weighted at 35% and the downside 75th percentile S-2 scenario was weighted at 15%. 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 June 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Provision for loan losses 1,502 491 (423) (156) (13) (833) Loans charged off (3,529) (1,669) (141) — — (1,194) Recoveries of loans previously charged off 625 212 372 — — 2,466 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570 Provision for loan losses (3,757) (3,031) 5,321 (899) Loans charged off (186) (27) (392) (7,138) Recoveries of loans previously charged off 84 185 593 4,537 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Six Months Ended June 30, 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 4,077 6,297 (951) (301) (14) (391) Loans charged off (5,899) (3,117) (970) — — (2,537) Recoveries of loans previously charged off 1,352 568 1,072 — — 3,588 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 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 (26,344) 640 (491) (17,478) Loans charged off (212) (1,422) (555) (14,712) Recoveries of loans previously charged off 251 226 781 7,838 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Three Months Ended June 30, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2020 $ 8,110 $ 15,446 $ 3,464 $ 1,102 $ 522 $ 11,508 Provision for loan losses 11 5,165 574 396 (15) (2,083) Loans charged off (486) (962) (1,016) — — (1,903) Recoveries of loans previously charged off 303 436 359 — — 676 Balance, June 30, 2020 $ 7,938 $ 20,085 $ 3,381 $ 1,498 $ 507 $ 8,198 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2020 $ 25,319 $ 51,754 $ 32,299 $ 149,524 Provision for loan losses 28,853 38,133 (2,585) 68,449 Loans charged off (74) (6,315) (525) (11,281) Recoveries of loans previously charged off 168 21 138 2,101 Balance, June 30, 2020 $ 54,266 $ 83,593 $ 29,327 $ 208,793 Six Months Ended June 30, 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 ASC 326 2,587 8,012 4,109 463 (92) 4,471 Provision for loan losses 3,091 9,636 816 395 115 2,551 Loans charged off (2,972) (2,104) (2,247) — — (2,734) Recoveries of loans previously charged off 665 757 703 — — 1,360 Balance, June 30, 2020 $ 7,938 $ 20,085 $ 3,381 $ 1,498 $ 507 $ 8,198 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 ASC 326 12,248 27,073 19,790 78,661 Provision for loan losses 35,587 53,991 (686) 105,496 Loans charged off (74) (7,243) (625) (17,999) Recoveries of loans previously charged off 510 106 345 4,446 Balance, June 30, 2020 $ 54,266 $ 83,593 $ 29,327 $ 208,793

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	6 Months Ended
	Jun. 30, 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 June 30, 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 June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, 2021 December 31, 2020 Securities sold under agreements to repurchase $ 5,544 $ 11,641 At June 30, 2021 and December 31, 2020 the investment securities underlying these agreements were comprised of state, county and municipal securities and mortgage-backed securities.

OTHER BORROWINGS

OTHER BORROWINGS	6 Months Ended
	Jun. 30, 2021
Debt Disclosure [Abstract]
OTHER BORROWINGS	NOTE 5 – OTHER BORROWINGS Other borrowings consist of the following: (dollars in thousands) June 30, 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% 1,406 1,411 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 973 977 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,493 1,567 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $747 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,253 74,188 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,044 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% 117,956 117,835 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,089 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% 76,089 76,150 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,867 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% 108,133 108,027 $ 425,303 $ 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 June 30, 2021, $3.35 billion was available for borrowing on lines with the FHLB. As of June 30, 2021, the Bank maintained credit arrangements with various financial institutions to purchase federal funds up to $127.0 million. The Bank also participates in the Federal Reserve discount window borrowings program. At June 30, 2021, the Bank had $3.24 billion of loans pledged at the Federal Reserve discount window and had $2.25 billion available for borrowing.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	6 Months Ended
	Jun. 30, 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 table presents a summary of the accumulated other comprehensive income balances as well as changes in each of the respective components, net of tax, for the periods indicated: (dollars in thousands) Unrealized Unrealized Accumulated Other Comprehensive Income Three Months Ended June 30, 2021 Balance, March 31, 2021 $ — $ 26,090 $ 26,090 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (1,066) (1,066) Balance, June 30, 2021 $ — $ 25,024 $ 25,024 Three Months Ended June 30, 2020 Balance, March 31, 2020 $ (244) $ 39,795 $ 39,551 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 111 (49) 62 Balance, June 30, 2020 $ (133) $ 39,746 $ 39,613 Six Months Ended June 30, 2021 Balance, December 31, 2020 $ — $ 33,505 $ 33,505 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (8,481) (8,481) Balance, June 30, 2021 $ — $ 25,024 $ 25,024 Six Months Ended June 30, 2020 Balance, December 31, 2019 $ (147) $ 18,142 $ 17,995 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 14 21,604 21,618 Balance, June 30, 2020 $ (133) $ 39,746 $ 39,613

WEIGHTED AVERAGE SHARES OUTSTAN

WEIGHTED AVERAGE SHARES OUTSTANDING	6 Months Ended
	Jun. 30, 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 Six Months Ended (share data in thousands) 2021 2020 2021 2020 Average common shares outstanding 69,497 69,192 69,448 69,235 Common share equivalents: Stock options 64 9 74 33 Nonvested restricted share grants 151 75 153 130 Performance stock units 80 17 90 15 Average common shares outstanding, assuming dilution 69,792 69,293 69,765 69,413 For the three and six-month periods ended June 30, 2021, there were no outstanding options exerciseable for common shares with strike prices that would cause the underlying shares to be anti-dilutive. For the three and six-month periods ended June 30, 2020, there were outstanding 252,765 and 56,000 options exerciseable for common shares, respectively, with strike prices that would cause the underlying shares to be anti-dilutive.

FAIR VALUE MEASURES

FAIR VALUE MEASURES	6 Months Ended
	Jun. 30, 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) June 30, 2021 December 31, 2020 Mortgage loans held for sale $ 1,200,139 $ 998,050 SBA loans held for sale 10,450 3,757 Total loans held for sale $ 1,210,589 $ 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 gain of $10.0 million and a net loss of $15.1 million resulting from fair value changes of these mortgage loans were recorded in income during the three and six months ended June 30, 2021, respectively. For the three and six months ended June 30, 2020, net gains of $26.1 million and $41.1 million, respectively, resulting from fair value changes of these mortgage loans were recorded in income. Net losses of $45.1 million and $17.6 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 and six months ended June 30, 2021, respectively. For the three and six months ended June 30, 2020, net gains of $36.4 million and $33.8 million, respectively, resulting from changes in the fair value of the related derivative financial instruments were recorded in income. 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 June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, 2021 December 31, 2020 Aggregate fair value of mortgage loans held for sale $ 1,200,139 $ 998,050 Aggregate unpaid principal balance of mortgage loans held for sale 1,164,671 947,460 Past-due loans of 90 days or more 361 — Nonaccrual loans 361 — Unpaid principal balance of nonaccrual loans 352 — 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 June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, 2021 December 31, 2020 Aggregate fair value of SBA loans held for sale $ 10,450 $ 3,757 Aggregate unpaid principal balance of SBA loans held for sale 9,423 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 June 30, 2021 and December 31, 2020: Recurring Basis June 30, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 12,327 $ — $ 12,327 $ — State, county and municipal securities 60,836 — 60,836 — Corporate debt securities 43,612 — 42,442 1,170 SBA pool securities 54,281 — 54,281 — Mortgage-backed securities 607,111 — 607,111 — Loans held for sale 1,210,589 — 1,210,589 — Mortgage banking derivative instruments 20,314 — 20,314 — Total recurring assets at fair value $ 2,009,070 $ — $ 2,007,900 $ 1,170 Financial liabilities: Mortgage banking derivative instruments $ 2,546 $ — $ 2,546 $ — Total recurring liabilities at fair value $ 2,546 $ — $ 2,546 $ — Recurring Basis December 31, 2020 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: 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 June 30, 2021 and December 31, 2020: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 June 30, 2021 Collateral-dependent loans $ 78,530 $ — $ — $ 78,530 Other real estate owned 1,979 — — 1,979 Mortgage servicing rights 191,675 — — 191,675 Total nonrecurring assets at fair value $ 272,184 $ — $ — $ 272,184 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 six months ended June 30, 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 June 30, 2021 Recurring: Investment securities available-for-sale $ 1,170 Discounted par values Probability of default 13.6% 13.6% Loss given default 39% 39% Nonrecurring: Collateral-dependent loans $ 78,530 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 57% 44% Other real estate owned $ 1,979 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 38% 23% Mortgage servicing rights $ 191,675 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 13% - 42% 15% 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 June 30, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 259,729 $ 259,729 $ — $ — $ 259,729 Federal funds sold and interest-bearing accounts 3,044,795 3,044,795 — — 3,044,795 Time deposits in other banks — — — — — Investment securities held-to-maturity 29,055 — 29,008 — 29,008 Loans, net 14,527,191 — — 14,407,763 14,407,763 Accrued interest receivable 64,906 — 2,919 61,987 64,906 Financial liabilities: Deposits 18,257,997 — 18,262,653 — 18,262,653 Securities sold under agreements to repurchase 5,544 5,544 — — 5,544 Other borrowings 425,303 — 430,674 — 430,674 Subordinated deferrable interest debentures 125,331 — 117,735 — 117,735 Accrued interest payable 4,375 — 4,375 — 4,375 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 Investment securities held-to-maturity — — — — — 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	6 Months Ended
	Jun. 30, 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) June 30, 2021 December 31, 2020 Commitments to extend credit $ 3,550,269 $ 2,826,719 Unused home equity lines of credit 262,576 259,015 Financial standby letters of credit 32,291 33,613 Mortgage interest rate lock commitments 674,525 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 six months ended June 30, 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 June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Balance at beginning of period $ 21,015 $ 17,791 $ 32,854 $ 1,077 Adjustment to reflect adoption of ASC 326 — — — 12,714 Addition due to acquisition — — — — Provision for unfunded commitments 1,299 19,712 (10,540) 23,712 Balance at end of period $ 22,314 $ 37,503 $ 22,314 $ 37,503 Other Commitments As of June 30, 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 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 to mitigate some of the more severe anticipated economic effects of the coronavirus, including the passage of the CARES Act and subsequent legislation, but there can be no assurance that such steps will be effective or achieve their desired results in a timely fashion. The extent of such impact from the COVID-19 pandemic and related mitigation efforts will depend on future developments, which are highly uncertain, including, but not limited to, the duration of the pandemic and spread of the coronavirus, including a resurgence or additional waves or variants of the virus, the actions to contain the virus or treat its impact, including public acceptance of vaccines, and how quickly and to what extent normal economic and operating conditions can resume. This could cause a material, adverse effect on the Company’s business, financial condition and results of operations, including increases in loan delinquencies, problem assets and foreclosures; decreases in the value of collateral securing our loans; increases in our allowance for credit losses; and decreases in the value of our intangible assets.

SEGMENT REPORTING

SEGMENT REPORTING	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 2021 and 2020: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 109,260 $ 34,085 $ 8,988 $ 14,050 $ 7,368 $ 173,751 Interest expense (1,410) 11,552 268 1,168 321 11,899 Net interest income 110,670 22,533 8,720 12,882 7,047 161,852 Provision for credit losses (3,949) 5,647 (155) (607) (794) 142 Noninterest income 16,171 69,055 1,333 2,677 4 89,240 Noninterest expense Salaries and employee benefits 37,814 44,798 278 937 1,678 85,505 Occupancy and equipment 9,050 1,553 1 132 76 10,812 Data processing and communications expenses 10,280 1,435 68 — 94 11,877 Other expenses 18,763 7,638 30 284 852 27,567 Total noninterest expense 75,907 55,424 377 1,353 2,700 135,761 Income before income tax expense 54,883 30,517 9,831 14,813 5,145 115,189 Income tax expense 14,196 6,408 2,064 3,111 1,083 26,862 Net income $ 40,687 $ 24,109 $ 7,767 $ 11,702 $ 4,062 $ 88,327 Total assets $ 15,561,628 $ 3,917,275 $ 779,234 $ 748,234 $ 880,560 $ 21,886,931 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 50,418 — — — 13,365 63,783 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 128,653 $ 34,714 $ 5,285 $ 8,757 $ 7,609 $ 185,018 Interest expense 8,323 10,412 259 1,723 487 21,204 Net interest income 120,330 24,302 5,026 7,034 7,122 163,814 Provision for credit losses 86,805 423 403 2,322 (1,792) 88,161 Noninterest income 14,468 104,195 727 1,570 — 120,960 Noninterest expense Salaries and employee benefits 40,423 50,003 209 2,612 1,921 95,168 Occupancy and equipment 11,679 1,953 1 97 77 13,807 Data processing and communications expenses 8,919 1,406 55 15 119 10,514 Other expenses 27,997 6,949 88 359 886 36,279 Total noninterest expense 89,018 60,311 353 3,083 3,003 155,768 Income (loss) before income tax expense (41,025) 67,763 4,997 3,199 5,911 40,845 Income tax expense (benefit) (8,582) 14,231 1,049 671 1,240 8,609 Net income (loss) $ (32,443) $ 53,532 $ 3,948 $ 2,528 $ 4,671 $ 32,236 Total assets $ 13,121,679 $ 3,905,683 $ 753,668 $ 1,310,077 $ 781,522 $ 19,872,629 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 64,007 — — — 16,347 80,354 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 221,639 $ 64,284 $ 19,315 $ 32,084 $ 14,379 $ 351,701 Interest expense (1,847) 22,767 689 2,567 696 24,872 Net interest income 223,486 41,517 18,626 29,517 13,683 326,829 Provision for credit losses (27,853) 1,094 (300) (1,154) (236) (28,449) Noninterest income 32,909 166,695 2,313 5,288 8 207,213 Noninterest expense Salaries and employee benefits 80,537 94,636 608 2,319 3,390 181,490 Occupancy and equipment 19,170 3,029 2 238 154 22,593 Data processing and communications expenses 20,481 2,981 117 1 181 23,761 Other expenses 38,473 15,827 63 579 1,773 56,715 Total noninterest expense 158,661 116,473 790 3,137 5,498 284,559 Income before income tax expense 125,587 90,645 20,449 32,822 8,429 277,932 Income tax expense 32,652 19,035 4,294 6,893 1,769 64,643 Net income $ 92,935 $ 71,610 $ 16,155 $ 25,929 $ 6,660 $ 213,289 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 260,954 $ 68,125 $ 10,135 $ 12,485 $ 16,087 $ 367,786 Interest expense 22,249 26,067 1,807 3,270 2,634 56,027 Net interest income 238,705 42,058 8,328 9,215 13,453 311,759 Provision for credit losses 122,802 2,420 394 1,419 2,173 129,208 Noninterest income 32,241 138,564 1,687 2,847 — 175,339 Noninterest expense Salaries and employee benefits 82,044 81,100 419 4,088 3,463 171,114 Occupancy and equipment 22,026 3,457 2 194 156 25,835 Data processing and communications expenses 19,716 2,392 96 28 236 22,468 Other expenses 58,642 12,824 122 874 1,942 74,404 Total noninterest expense 182,428 99,773 639 5,184 5,797 293,821 Income (loss) before income tax expense (34,284) 78,429 8,982 5,459 5,483 64,069 Income tax expense (benefit) (8,307) 16,639 1,886 1,146 1,147 12,511 Net income (loss) $ (25,977) $ 61,790 $ 7,096 $ 4,313 $ 4,336 $ 51,558

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	6 Months Ended
	Jun. 30, 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) June 30, 2021 December 31, 2020 Loan Servicing Rights Residential mortgage $ 191,675 $ 130,630 SBA 6,123 5,839 Indirect automobile — 73 Total loan servicing rights $ 197,798 $ 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- and six-months ended June 30, 2021, the Company recorded servicing fee income of $11.3 million and $21.5 million, respectively. During the three- and six-months ended June 30, 2020, the Company recorded servicing fee income of $6.9 million and $13.1 million, respectively. 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 valuation allowance: (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 154,746 $ 85,922 $ 130,630 $ 94,902 Additions 43,377 19,298 65,244 35,359 Amortization (7,197) (5,687) (14,681) (9,853) Recoveries/(impairment) 749 (8,152) 10,482 (29,027) Ending carrying value, net $ 191,675 $ 91,381 $ 191,675 $ 91,381 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ 29,674 $ 20,979 $ 39,407 $ 104 Additions — 8,152 — 29,027 Recoveries (749) — (10,482) — Ending balance $ 28,925 $ 29,131 $ 28,925 $ 29,131 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) June 30, 2021 December 31, 2020 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 15,486,442 $ 13,764,529 Composition of residential loans serviced for others: FHLMC 21.35 % 21.55 % FNMA 61.30 % 61.75 % GNMA 17.35 % 16.70 % Total 100.00 % 100.00 % Weighted average term (months) 340 340 Weighted average age (months) 19 20 Modeled prepayment speed 14.67 % 18.82 % Decline in fair value due to a 10% adverse change (8,237) (7,154) Decline in fair value due to a 20% adverse change (15,818) (13,664) Weighted average discount rate 8.76 % 9.50 % Decline in fair value due to a 10% adverse change (6,866) (4,304) Decline in fair value due to a 20% adverse change (13,193) (8,321) The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. As indicated, changes in fair value based on adverse changes in model inputs and/or assumptions generally cannot be extrapolated because the relationship of the change in input or assumption to the change in fair value may not be linear. In addition, the effect of an adverse variation in a particular input or assumption on the value of the residential mortgage servicing rights is calculated without changing any other input or assumption. In reality, changes in one factor may magnify or counteract the effect of the change. 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- and six-months ended June 30, 2021, the Company recorded servicing fee income of $980,000 and $2.0 million, respectively. During the three- and six-months ended June 30, 2020, the Company recorded servicing fee income of $1.0 million and $2.1 million, respectively. 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 valuation allowance: (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, SBA servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 6,445 $ 5,394 $ 5,839 $ 7,886 Additions 241 100 471 475 Purchase accounting adjustment — — — (1,214) Amortization (563) (416) (1,092) (779) Recoveries/(impairment) — 163 905 (1,127) Ending carrying value, net $ 6,123 $ 5,241 $ 6,123 $ 5,241 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, SBA servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ — $ 1,431 $ 905 $ 141 Additions — — — 1,127 Recoveries — (163) (905) — Ending balance $ — $ 1,268 $ — $ 1,268 (dollars in thousands) June 30, 2021 December 31, 2020 SBA servicing rights Unpaid principal balance of loans serviced for others $ 431,185 $ 351,325 Weighted average life (in years) 3.59 3.46 Modeled prepayment speed 18.37 % 19.14 % Decline in fair value due to a 10% adverse change (393) (335) Decline in fair value due to a 20% adverse change (747) (636) Weighted average discount rate 7.77 % 9.55 % Decline in fair value due to a 100 basis point adverse change (187) (151) Decline in fair value due to a 200 basis point adverse change (365) (295) The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. As indicated, changes in fair value based on adverse changes in model inputs and/or assumptions generally cannot be extrapolated because the relationship of the change in input or assumption to the change in fair value may not be linear. In addition, the effect of an adverse variation in a particular input or assumption on the value of the SBA servicing rights is calculated without changing any other input or assumption. In reality, changes in one factor may magnify or counteract the effect of the change. Indirect Automobile Loans The Company previously 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 June 30, Six Months Ended June 30, Indirect automobile servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 29 $ 204 $ 73 $ 247 Amortization (29) (42) (73) (85) Ending carrying value, net $ — $ 162 $ — $ 162 During the three- and six-months ended June 30, 2021, the Company recorded servicing fee income of $170,000 and $376,000, respectively. During the three- and six-months ended June 30, 2020, the Company recorded servicing fee income of $518,000 and $1.2 million, respectively. 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)	6 Months Ended
	Jun. 30, 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 June 30, 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 June 30, 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 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
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)	6 Months Ended
	Jun. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Value of Debt 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) Securities available-for-sale Amortized Allowance for Credit Losses Gross Gross Estimated June 30, 2021 U.S. government sponsored agencies $ 12,120 $ — $ 207 $ — $ 12,327 State, county and municipal securities 58,016 — 2,820 — 60,836 Corporate debt securities 43,132 (81) 810 (249) 43,612 SBA pool securities 52,283 — 2,071 (73) 54,281 Mortgage-backed securities 581,021 — 26,100 (10) 607,111 Total debt securities available-for-sale $ 746,572 $ (81) $ 32,008 $ (332) $ 778,167 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 available-for-sale $ 940,580 $ (112) $ 42,854 $ (443) $ 982,879
Amortized Cost and Estimated Fair Value of Debt Securities Held-to-Maturity	The amortized cost and estimated fair value of securities held-to-maturity along with gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities held-to-maturity Amortized Gross Gross Estimated June 30, 2021 Mortgage-backed securities $ 29,055 $ 10 $ (57) $ 29,008 Total debt securities held-to-maturity $ 29,055 $ 10 $ (57) $ 29,008
Amortized Cost and Estimated Fair Value of Debt Securities, Classified by Contractual Maturity Date	The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of June 30, 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: Available-for-Sale Held-to-Maturity ( dollars in thousands) Amortized Estimated Fair Value Amortized Estimated Fair Value Due in one year or less $ 21,699 $ 21,889 $ — $ — Due from one year to five years 43,270 44,969 — — Due from five to ten years 58,019 60,100 — — Due after ten years 42,563 44,098 — — Mortgage-backed securities 581,021 607,111 29,055 29,008 $ 746,572 $ 778,167 $ 29,055 $ 29,008
Schedule of Available-for-Sale Securities with Unrealized Losses	The following table shows the gross unrealized losses and estimated fair value of available-for-sale securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at June 30, 2021 and December 31, 2020: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2021 Corporate debt securities $ 2,920 $ (249) $ — $ — $ 2,920 $ (249) SBA pool securities — — 2,983 (73) 2,983 (73) Mortgage-backed securities 3,214 (7) 424 (3) 3,638 (10) Total debt securities available-for-sale $ 6,134 $ (256) $ 3,407 $ (76) $ 9,541 $ (332) 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 available-for-sale $ 34,279 $ (347) $ 3,950 $ (96) $ 38,229 $ (443)
Schedule of Held-to-Maturity Securities with Unrealized Losses	The following table shows the gross unrealized losses and estimated fair value of held-to-maturity securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at June 30, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2021 Mortgage-backed securities $ 9,583 $ (57) $ — $ — $ 9,583 $ (57) Total debt securities held-to-maturity $ 9,583 $ (57) $ — $ — $ 9,583 $ (57)
Schedule of Investments Available-for-sale, Allowance for Credit Loss	The remaining $332,000 in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Allowance for credit losses 2021 2020 2021 2020 Beginning balance $ 101 $ — $ 112 $ — Provision for expected credit losses (20) — (31) — Ending balance $ 81 $ — $ 81 $ —
Schedule of Gain (Loss) on Investments	Total gain (loss) on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three and six months ended June 30, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Unrealized holding gains (losses) on equity securities $ 1 $ 14 $ (11) $ 5 Total gain (loss) on securities $ 1 $ 14 $ (11) $ 5

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 1,406,421 $ 1,627,477 Consumer installment 229,411 306,995 Indirect automobile 397,373 580,083 Mortgage warehouse 841,347 916,353 Municipal 647,578 659,403 Premium finance 780,328 687,841 Real estate – construction and development 1,527,883 1,606,710 Real estate – commercial and farmland 6,051,472 5,300,006 Real estate – residential 2,898,978 2,796,057 $ 14,780,791 $ 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) June 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 7,284 $ 9,836 Consumer installment 503 709 Indirect automobile 1,393 2,831 Real estate – construction and development 1,746 5,407 Real estate – commercial and farmland 17,385 18,517 Real estate – residential 31,610 39,157 $ 59,921 $ 76,457 The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) June 30, 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 June 30, 2021 and December 31, 2020: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 June 30, 2021 Commercial, financial and agricultural $ 3,070 $ 1,012 $ 3,176 $ 7,258 $ 1,399,163 $ 1,406,421 $ — Consumer installment 1,575 1,027 869 3,471 225,940 229,411 556 Indirect automobile 699 345 895 1,939 395,434 397,373 — Mortgage warehouse — — — — 841,347 841,347 — Municipal — — — — 647,578 647,578 — Premium finance 3,866 3,853 2,668 10,387 769,941 780,328 2,669 Real estate – construction and development 18,562 1,037 2,764 22,363 1,505,520 1,527,883 1,649 Real estate – commercial and farmland 1,160 618 6,412 8,190 6,043,282 6,051,472 — Real estate – residential 10,093 4,608 27,883 42,584 2,856,394 2,898,978 — Total $ 39,025 $ 12,500 $ 44,667 $ 96,192 $ 14,684,599 $ 14,780,791 $ 4,874 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	The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: June 30, 2021 December 31, 2020 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 3,246 $ 889 $ 5,490 $ 2,252 Premium finance 258 — 3,523 — Real estate – construction and development 2,244 693 4,173 512 Real estate – commercial and farmland 83,000 18,494 100,180 21,001 Real estate – residential 10,928 1,070 9,716 891 $ 99,676 $ 21,146 $ 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 June 30, 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 June 30, 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 $ 376,496 $ 140,359 $ 2,340 $ 918 $ 219 $ 4,915 $ 125,123 $ 650,370 2 228 446 8,778 453 766 879 3,789 15,339 3 101,165 63,440 41,678 12,311 15,782 8,307 51,509 294,192 4 62,535 67,264 53,086 67,882 26,090 29,502 88,234 394,593 5 181 3,946 3,882 3,713 5,470 4,130 6,821 28,143 6 — 6 461 406 507 4,742 497 6,619 7 375 658 3,940 2,602 3,712 5,096 782 17,165 Total commercial, financial and agricultural $ 540,980 $ 276,119 $ 114,165 $ 88,285 $ 52,546 $ 57,571 $ 276,755 $ 1,406,421 Consumer Installment Risk Grade: 1 $ 3,954 $ 4,203 $ 2,252 $ 1,119 $ 393 $ 13 $ 3,099 $ 15,033 2 — — — 24 1 55 36 116 3 11,379 9,354 3,932 1,488 497 1,595 2,943 31,188 4 10,160 71,425 41,168 32,182 12,267 10,878 3,130 181,210 5 — 32 75 8 21 160 — 296 6 — — 5 8 — 141 6 160 7 10 217 345 166 66 536 66 1,406 9 — — — — — — 2 2 Total consumer installment $ 25,503 $ 85,231 $ 47,777 $ 34,995 $ 13,245 $ 13,378 $ 9,282 $ 229,411 Indirect Automobile Risk Grade: 2 $ — $ — $ — $ 68 $ 26 $ 4,862 $ — $ 4,956 3 — — 27,695 139,757 132,451 90,484 — 390,387 6 — — — 29 31 85 — 145 7 — — 37 296 327 1,225 — 1,885 Total indirect automobile $ — $ — $ 27,732 $ 140,150 $ 132,835 $ 96,656 $ — $ 397,373 Mortgage Warehouse Risk Grade: 3 $ — $ — $ — $ — $ — $ — $ 841,347 $ 841,347 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 841,347 $ 841,347 As of June 30, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Municipal Risk Grade: 1 $ 36,781 $ 93,621 $ 13,555 $ 7,227 $ 138,378 $ 192,462 $ — $ 482,024 2 1,842 72,018 — — — 12,968 — 86,828 3 — 60,812 650 — 5,453 2,989 — 69,904 4 — 6,140 — — — 2,682 — 8,822 Total municipal $ 38,623 $ 232,591 $ 14,205 $ 7,227 $ 143,831 $ 211,101 $ — $ 647,578 Premium Finance Risk Grade: 2 $ 654,607 $ 119,382 $ 2,973 $ 109 $ 528 $ 60 $ — $ 777,659 7 593 2,076 — — — — — 2,669 Total premium finance $ 655,200 $ 121,458 $ 2,973 $ 109 $ 528 $ 60 $ — $ 780,328 Real Estate – Construction and Development Risk Grade: 2 $ — $ 62 $ — $ — $ — $ — $ — $ 62 3 7,884 37,592 6,222 3,962 2,633 8,030 1,038 67,361 4 426,409 451,515 295,524 67,692 42,799 27,869 37,595 1,349,403 5 — 528 16,913 44,673 13,946 27,151 105 103,316 6 — — 21 2,126 — 646 — 2,793 7 1,546 13 170 295 624 2,300 — 4,948 Total real estate – construction and development $ 435,839 $ 489,710 $ 318,850 $ 118,748 $ 60,002 $ 65,996 $ 38,738 $ 1,527,883 Real Estate – Commercial and Farmland Risk Grade: 1 $ — $ — $ — $ 146 $ — $ — $ — $ 146 2 56,737 7,332 354 448 2,058 12,776 — 79,705 3 566,934 853,282 410,581 171,064 169,835 485,822 43,381 2,700,899 4 227,946 424,926 580,795 432,688 241,782 631,786 31,889 2,571,812 5 1,679 17,197 112,473 72,218 133,334 149,037 4,053 489,991 6 462 — 10,369 14,008 29,841 28,571 884 84,135 7 2,184 6,791 36,428 16,648 6,430 56,298 5 124,784 Total real estate – commercial and farmland $ 855,942 $ 1,309,528 $ 1,151,000 $ 707,220 $ 583,280 $ 1,364,290 $ 80,212 $ 6,051,472 Real Estate - Residential Risk Grade: 1 $ — $ — $ — $ — $ — $ 15 $ — $ 15 2 — 36 378 — 96 36,139 1,150 37,799 3 611,704 681,564 352,543 157,688 115,923 390,335 186,520 2,496,277 4 16,340 12,494 16,410 12,529 8,699 49,078 35,969 151,519 5 532 19,488 43,677 22,071 13,844 54,793 2,787 157,192 6 618 417 933 870 399 3,556 107 6,900 7 408 4,042 12,503 11,053 4,215 14,001 3,054 49,276 Total real estate - residential $ 629,602 $ 718,041 $ 426,444 $ 204,211 $ 143,176 $ 547,917 $ 229,587 $ 2,898,978 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 and six months ended June 30, 2021 and 2020. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 2 $ 165 1 $ 731 6 $ 591 1 $ 731 Consumer installment 2 8 3 7 2 8 4 15 Real estate – construction and development — — — — — — 1 20 Real estate – commercial and farmland 3 8,653 — — 5 16,312 1 16 Real estate – residential 2 472 5 839 12 1,457 76 10,496 Total 9 $ 9,298 9 $ 1,577 25 $ 18,368 83 $ 11,278
Troubled Debt Restructurings on Financing Receivable Payment Default	The following table presents the outstanding balance of troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three and six months ended June 30, 2021 and 2020. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — — $ — 3 $ 49 1 $ 200 Consumer installment — — 3 4 4 5 3 4 Indirect automobile 7 27 — — 22 112 — — Real estate – construction and development — — — — 1 1 2 285 Real estate – commercial and farmland 1 202 — — 3 5,382 2 676 Real estate – residential 17 940 4 164 27 1,646 8 567 Total 25 $ 1,169 7 $ 168 60 $ 7,195 16 $ 1,732
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 June 30, 2021 and December 31, 2020: June 30, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 12 $ 1,038 10 $ 805 Consumer installment 9 28 19 43 Indirect automobile 336 1,647 47 301 Real estate – construction and development 5 898 4 301 Real estate – commercial and farmland 28 46,025 11 7,103 Real estate – residential 238 31,570 31 2,515 Total 628 $ 81,206 122 $ 11,068 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. June 30, 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 $ 2,539 0.2 % $ 12,471 0.8 % Consumer installment 29 — % 1,418 0.5 % Indirect automobile 1,126 0.3 % 8,936 1.5 % Real estate – construction and development 873 0.1 % 11,049 0.7 % Real estate – commercial and farmland 63,827 1.1 % 179,183 3.4 % Real estate – residential 59,331 2.0 % 119,722 4.3 % $ 127,725 0.9 % $ 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 June 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Provision for loan losses 1,502 491 (423) (156) (13) (833) Loans charged off (3,529) (1,669) (141) — — (1,194) Recoveries of loans previously charged off 625 212 372 — — 2,466 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570 Provision for loan losses (3,757) (3,031) 5,321 (899) Loans charged off (186) (27) (392) (7,138) Recoveries of loans previously charged off 84 185 593 4,537 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Six Months Ended June 30, 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 4,077 6,297 (951) (301) (14) (391) Loans charged off (5,899) (3,117) (970) — — (2,537) Recoveries of loans previously charged off 1,352 568 1,072 — — 3,588 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 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 (26,344) 640 (491) (17,478) Loans charged off (212) (1,422) (555) (14,712) Recoveries of loans previously charged off 251 226 781 7,838 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Three Months Ended June 30, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2020 $ 8,110 $ 15,446 $ 3,464 $ 1,102 $ 522 $ 11,508 Provision for loan losses 11 5,165 574 396 (15) (2,083) Loans charged off (486) (962) (1,016) — — (1,903) Recoveries of loans previously charged off 303 436 359 — — 676 Balance, June 30, 2020 $ 7,938 $ 20,085 $ 3,381 $ 1,498 $ 507 $ 8,198 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2020 $ 25,319 $ 51,754 $ 32,299 $ 149,524 Provision for loan losses 28,853 38,133 (2,585) 68,449 Loans charged off (74) (6,315) (525) (11,281) Recoveries of loans previously charged off 168 21 138 2,101 Balance, June 30, 2020 $ 54,266 $ 83,593 $ 29,327 $ 208,793 Six Months Ended June 30, 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 ASC 326 2,587 8,012 4,109 463 (92) 4,471 Provision for loan losses 3,091 9,636 816 395 115 2,551 Loans charged off (2,972) (2,104) (2,247) — — (2,734) Recoveries of loans previously charged off 665 757 703 — — 1,360 Balance, June 30, 2020 $ 7,938 $ 20,085 $ 3,381 $ 1,498 $ 507 $ 8,198 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 ASC 326 12,248 27,073 19,790 78,661 Provision for loan losses 35,587 53,991 (686) 105,496 Loans charged off (74) (7,243) (625) (17,999) Recoveries of loans previously charged off 510 106 345 4,446 Balance, June 30, 2020 $ 54,266 $ 83,593 $ 29,327 $ 208,793

SECURITIES SOLD UNDER AGREEME_2

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, 2021 December 31, 2020 Securities sold under agreements to repurchase $ 5,544 $ 11,641

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	6 Months Ended
	Jun. 30, 2021
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings consist of the following: (dollars in thousands) June 30, 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% 1,406 1,411 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 973 977 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,493 1,567 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $747 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,253 74,188 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,044 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% 117,956 117,835 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,089 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% 76,089 76,150 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,867 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% 108,133 108,027 $ 425,303 $ 425,155

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	6 Months Ended
	Jun. 30, 2021
Equity [Abstract]
Summary of Accumulated Other Comprehensive Income (Loss)	The following table presents a summary of the accumulated other comprehensive income balances as well as changes in each of the respective components, net of tax, for the periods indicated: (dollars in thousands) Unrealized Unrealized Accumulated Other Comprehensive Income Three Months Ended June 30, 2021 Balance, March 31, 2021 $ — $ 26,090 $ 26,090 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (1,066) (1,066) Balance, June 30, 2021 $ — $ 25,024 $ 25,024 Three Months Ended June 30, 2020 Balance, March 31, 2020 $ (244) $ 39,795 $ 39,551 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 111 (49) 62 Balance, June 30, 2020 $ (133) $ 39,746 $ 39,613 Six Months Ended June 30, 2021 Balance, December 31, 2020 $ — $ 33,505 $ 33,505 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (8,481) (8,481) Balance, June 30, 2021 $ — $ 25,024 $ 25,024 Six Months Ended June 30, 2020 Balance, December 31, 2019 $ (147) $ 18,142 $ 17,995 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 14 21,604 21,618 Balance, June 30, 2020 $ (133) $ 39,746 $ 39,613

WEIGHTED AVERAGE SHARES OUTST_2

WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	6 Months Ended
	Jun. 30, 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 Six Months Ended (share data in thousands) 2021 2020 2021 2020 Average common shares outstanding 69,497 69,192 69,448 69,235 Common share equivalents: Stock options 64 9 74 33 Nonvested restricted share grants 151 75 153 130 Performance stock units 80 17 90 15 Average common shares outstanding, assuming dilution 69,792 69,293 69,765 69,413

FAIR VALUE MEASURES (Tables)

FAIR VALUE MEASURES (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2021 December 31, 2020 Mortgage loans held for sale $ 1,200,139 $ 998,050 SBA loans held for sale 10,450 3,757 Total loans held for sale $ 1,210,589 $ 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 June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, 2021 December 31, 2020 Aggregate fair value of mortgage loans held for sale $ 1,200,139 $ 998,050 Aggregate unpaid principal balance of mortgage loans held for sale 1,164,671 947,460 Past-due loans of 90 days or more 361 — Nonaccrual loans 361 — Unpaid principal balance of nonaccrual loans 352 — 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 June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, 2021 December 31, 2020 Aggregate fair value of SBA loans held for sale $ 10,450 $ 3,757 Aggregate unpaid principal balance of SBA loans held for sale 9,423 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 June 30, 2021 and December 31, 2020: Recurring Basis June 30, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 12,327 $ — $ 12,327 $ — State, county and municipal securities 60,836 — 60,836 — Corporate debt securities 43,612 — 42,442 1,170 SBA pool securities 54,281 — 54,281 — Mortgage-backed securities 607,111 — 607,111 — Loans held for sale 1,210,589 — 1,210,589 — Mortgage banking derivative instruments 20,314 — 20,314 — Total recurring assets at fair value $ 2,009,070 $ — $ 2,007,900 $ 1,170 Financial liabilities: Mortgage banking derivative instruments $ 2,546 $ — $ 2,546 $ — Total recurring liabilities at fair value $ 2,546 $ — $ 2,546 $ — Recurring Basis December 31, 2020 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: 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 June 30, 2021 and December 31, 2020: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 June 30, 2021 Collateral-dependent loans $ 78,530 $ — $ — $ 78,530 Other real estate owned 1,979 — — 1,979 Mortgage servicing rights 191,675 — — 191,675 Total nonrecurring assets at fair value $ 272,184 $ — $ — $ 272,184 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 June 30, 2021 Recurring: Investment securities available-for-sale $ 1,170 Discounted par values Probability of default 13.6% 13.6% Loss given default 39% 39% Nonrecurring: Collateral-dependent loans $ 78,530 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 57% 44% Other real estate owned $ 1,979 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 38% 23% Mortgage servicing rights $ 191,675 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 13% - 42% 15% 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 June 30, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 259,729 $ 259,729 $ — $ — $ 259,729 Federal funds sold and interest-bearing accounts 3,044,795 3,044,795 — — 3,044,795 Time deposits in other banks — — — — — Investment securities held-to-maturity 29,055 — 29,008 — 29,008 Loans, net 14,527,191 — — 14,407,763 14,407,763 Accrued interest receivable 64,906 — 2,919 61,987 64,906 Financial liabilities: Deposits 18,257,997 — 18,262,653 — 18,262,653 Securities sold under agreements to repurchase 5,544 5,544 — — 5,544 Other borrowings 425,303 — 430,674 — 430,674 Subordinated deferrable interest debentures 125,331 — 117,735 — 117,735 Accrued interest payable 4,375 — 4,375 — 4,375 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 Investment securities held-to-maturity — — — — — 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)	6 Months Ended
	Jun. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedule of Guarantor Obligations	A summary of the Company’s commitments is as follows: (dollars in thousands) June 30, 2021 December 31, 2020 Commitments to extend credit $ 3,550,269 $ 2,826,719 Unused home equity lines of credit 262,576 259,015 Financial standby letters of credit 32,291 33,613 Mortgage interest rate lock commitments 674,525 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 June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Balance at beginning of period $ 21,015 $ 17,791 $ 32,854 $ 1,077 Adjustment to reflect adoption of ASC 326 — — — 12,714 Addition due to acquisition — — — — Provision for unfunded commitments 1,299 19,712 (10,540) 23,712 Balance at end of period $ 22,314 $ 37,503 $ 22,314 $ 37,503

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 2021 and 2020: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 109,260 $ 34,085 $ 8,988 $ 14,050 $ 7,368 $ 173,751 Interest expense (1,410) 11,552 268 1,168 321 11,899 Net interest income 110,670 22,533 8,720 12,882 7,047 161,852 Provision for credit losses (3,949) 5,647 (155) (607) (794) 142 Noninterest income 16,171 69,055 1,333 2,677 4 89,240 Noninterest expense Salaries and employee benefits 37,814 44,798 278 937 1,678 85,505 Occupancy and equipment 9,050 1,553 1 132 76 10,812 Data processing and communications expenses 10,280 1,435 68 — 94 11,877 Other expenses 18,763 7,638 30 284 852 27,567 Total noninterest expense 75,907 55,424 377 1,353 2,700 135,761 Income before income tax expense 54,883 30,517 9,831 14,813 5,145 115,189 Income tax expense 14,196 6,408 2,064 3,111 1,083 26,862 Net income $ 40,687 $ 24,109 $ 7,767 $ 11,702 $ 4,062 $ 88,327 Total assets $ 15,561,628 $ 3,917,275 $ 779,234 $ 748,234 $ 880,560 $ 21,886,931 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 50,418 — — — 13,365 63,783 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 128,653 $ 34,714 $ 5,285 $ 8,757 $ 7,609 $ 185,018 Interest expense 8,323 10,412 259 1,723 487 21,204 Net interest income 120,330 24,302 5,026 7,034 7,122 163,814 Provision for credit losses 86,805 423 403 2,322 (1,792) 88,161 Noninterest income 14,468 104,195 727 1,570 — 120,960 Noninterest expense Salaries and employee benefits 40,423 50,003 209 2,612 1,921 95,168 Occupancy and equipment 11,679 1,953 1 97 77 13,807 Data processing and communications expenses 8,919 1,406 55 15 119 10,514 Other expenses 27,997 6,949 88 359 886 36,279 Total noninterest expense 89,018 60,311 353 3,083 3,003 155,768 Income (loss) before income tax expense (41,025) 67,763 4,997 3,199 5,911 40,845 Income tax expense (benefit) (8,582) 14,231 1,049 671 1,240 8,609 Net income (loss) $ (32,443) $ 53,532 $ 3,948 $ 2,528 $ 4,671 $ 32,236 Total assets $ 13,121,679 $ 3,905,683 $ 753,668 $ 1,310,077 $ 781,522 $ 19,872,629 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 64,007 — — — 16,347 80,354 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 221,639 $ 64,284 $ 19,315 $ 32,084 $ 14,379 $ 351,701 Interest expense (1,847) 22,767 689 2,567 696 24,872 Net interest income 223,486 41,517 18,626 29,517 13,683 326,829 Provision for credit losses (27,853) 1,094 (300) (1,154) (236) (28,449) Noninterest income 32,909 166,695 2,313 5,288 8 207,213 Noninterest expense Salaries and employee benefits 80,537 94,636 608 2,319 3,390 181,490 Occupancy and equipment 19,170 3,029 2 238 154 22,593 Data processing and communications expenses 20,481 2,981 117 1 181 23,761 Other expenses 38,473 15,827 63 579 1,773 56,715 Total noninterest expense 158,661 116,473 790 3,137 5,498 284,559 Income before income tax expense 125,587 90,645 20,449 32,822 8,429 277,932 Income tax expense 32,652 19,035 4,294 6,893 1,769 64,643 Net income $ 92,935 $ 71,610 $ 16,155 $ 25,929 $ 6,660 $ 213,289 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 260,954 $ 68,125 $ 10,135 $ 12,485 $ 16,087 $ 367,786 Interest expense 22,249 26,067 1,807 3,270 2,634 56,027 Net interest income 238,705 42,058 8,328 9,215 13,453 311,759 Provision for credit losses 122,802 2,420 394 1,419 2,173 129,208 Noninterest income 32,241 138,564 1,687 2,847 — 175,339 Noninterest expense Salaries and employee benefits 82,044 81,100 419 4,088 3,463 171,114 Occupancy and equipment 22,026 3,457 2 194 156 25,835 Data processing and communications expenses 19,716 2,392 96 28 236 22,468 Other expenses 58,642 12,824 122 874 1,942 74,404 Total noninterest expense 182,428 99,773 639 5,184 5,797 293,821 Income (loss) before income tax expense (34,284) 78,429 8,982 5,459 5,483 64,069 Income tax expense (benefit) (8,307) 16,639 1,886 1,146 1,147 12,511 Net income (loss) $ (25,977) $ 61,790 $ 7,096 $ 4,313 $ 4,336 $ 51,558

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2021 December 31, 2020 Loan Servicing Rights Residential mortgage $ 191,675 $ 130,630 SBA 6,123 5,839 Indirect automobile — 73 Total loan servicing rights $ 197,798 $ 136,542 The table below is an analysis of the activity in the Company’s MSRs and valuation allowance: (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 154,746 $ 85,922 $ 130,630 $ 94,902 Additions 43,377 19,298 65,244 35,359 Amortization (7,197) (5,687) (14,681) (9,853) Recoveries/(impairment) 749 (8,152) 10,482 (29,027) Ending carrying value, net $ 191,675 $ 91,381 $ 191,675 $ 91,381 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ 29,674 $ 20,979 $ 39,407 $ 104 Additions — 8,152 — 29,027 Recoveries (749) — (10,482) — Ending balance $ 28,925 $ 29,131 $ 28,925 $ 29,131 The table below is an analysis of the activity in the Company’s SBA loan servicing rights and valuation allowance: (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, SBA servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 6,445 $ 5,394 $ 5,839 $ 7,886 Additions 241 100 471 475 Purchase accounting adjustment — — — (1,214) Amortization (563) (416) (1,092) (779) Recoveries/(impairment) — 163 905 (1,127) Ending carrying value, net $ 6,123 $ 5,241 $ 6,123 $ 5,241 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, SBA servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ — $ 1,431 $ 905 $ 141 Additions — — — 1,127 Recoveries — (163) (905) — Ending balance $ — $ 1,268 $ — $ 1,268 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Indirect automobile servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 29 $ 204 $ 73 $ 247 Amortization (29) (42) (73) (85) Ending carrying value, net $ — $ 162 $ — $ 162
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) June 30, 2021 December 31, 2020 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 15,486,442 $ 13,764,529 Composition of residential loans serviced for others: FHLMC 21.35 % 21.55 % FNMA 61.30 % 61.75 % GNMA 17.35 % 16.70 % Total 100.00 % 100.00 % Weighted average term (months) 340 340 Weighted average age (months) 19 20 Modeled prepayment speed 14.67 % 18.82 % Decline in fair value due to a 10% adverse change (8,237) (7,154) Decline in fair value due to a 20% adverse change (15,818) (13,664) Weighted average discount rate 8.76 % 9.50 % Decline in fair value due to a 10% adverse change (6,866) (4,304) Decline in fair value due to a 20% adverse change (13,193) (8,321) (dollars in thousands) June 30, 2021 December 31, 2020 SBA servicing rights Unpaid principal balance of loans serviced for others $ 431,185 $ 351,325 Weighted average life (in years) 3.59 3.46 Modeled prepayment speed 18.37 % 19.14 % Decline in fair value due to a 10% adverse change (393) (335) Decline in fair value due to a 20% adverse change (747) (636) Weighted average discount rate 7.77 % 9.55 % Decline in fair value due to a 100 basis point adverse change (187) (151) Decline in fair value due to a 200 basis point adverse change (365) (295)

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES - Narrative (Details)	Jun. 30, 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	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 746,572		$ 940,580
Allowance for Credit Losses	(81)	$ (101)	(112)	$ 0	$ 0	$ 0
Gross Unrealized Gains	32,008		42,854
Gross Unrealized Losses	(332)		(443)
Estimated Fair Value	778,167		982,879
U.S. government sponsored agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	12,120		17,161
Allowance for Credit Losses	0		0
Gross Unrealized Gains	207		343
Gross Unrealized Losses	0		0
Estimated Fair Value	12,327		17,504
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	58,016		63,286
Allowance for Credit Losses	0		0
Gross Unrealized Gains	2,820		3,492
Gross Unrealized Losses	0		0
Estimated Fair Value	60,836		66,778
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	43,132		51,639
Allowance for Credit Losses	(81)		(112)
Gross Unrealized Gains	810		602
Gross Unrealized Losses	(249)		(233)
Estimated Fair Value	43,612		51,896
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	52,283		59,973
Allowance for Credit Losses	0		0
Gross Unrealized Gains	2,071		2,620
Gross Unrealized Losses	(73)		(96)
Estimated Fair Value	54,281		62,497
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	581,021		748,521
Allowance for Credit Losses	0		0
Gross Unrealized Gains	26,100		35,797
Gross Unrealized Losses	(10)		(114)
Estimated Fair Value	$ 607,111		$ 784,204

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 29,055	$ 0
Gross Unrealized Gains	10
Gross Unrealized Losses	(57)
Estimated Fair Value	29,008	$ 0
Mortgage-backed securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	29,055
Gross Unrealized Gains	10
Gross Unrealized Losses	(57)
Estimated Fair Value	$ 29,008

INVESTMENT SECURITIES - Amort_3

INVESTMENT SECURITIES - Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Amortized Cost
Due in one year or less	$ 21,699
Due from one year to five years	43,270
Due from five to ten years	58,019
Due after ten years	42,563
Mortgage-backed securities	581,021
Amortized Cost	746,572	$ 940,580
Estimated Fair Value
Due in one year or less	21,889
Due from one year to five years	44,969
Due from five to ten years	60,100
Due after ten years	44,098
Mortgage-backed securities	607,111
Estimated Fair Value	778,167	982,879
Amortized Cost
Due in one year or less	0
Due from one year to five years	0
Due from five to ten years	0
Due after ten years	0
Mortgage-backed securities	29,055
Amortized Cost	29,055	0
Estimated Fair Value
Due in one year or less	0
Due from one year to five years	0
Due from five to ten years	0
Due after ten years	0
Mortgage-backed securities	29,008
Estimated Fair Value	$ 29,008	$ 0

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2021USD ($)security	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Jun. 30, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ (81)	$ (101)	$ (112)	$ 0	$ 0	$ 0
Unrealized losses	(332)		(443)
Expected credit losses	0
Debt securities, held-to-maturity, allowance for credit loss	$ 0		0
Debt Securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio | security	470
Number of securities in unrealized loss position | security	17
Debt Securities | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio | security	4
Number of securities in unrealized loss position | security	2
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security	9
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0		0
Unrealized losses	$ (73)		(96)
SBA pool securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security	5
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ (81)		(112)
Unrealized losses	$ (249)		(233)
Corporate debt securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security	3
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Pledged securities, carrying value	$ 389,600		$ 438,700

INVESTMENT SECURITIES - Schedul

INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Estimated Fair Value
Less than 12 months, estimated fair value	$ 6,134	$ 34,279
12 months or more, estimated fair value	3,407	3,950
Total estimated fair value	9,541	38,229
Unrealized Losses
Less than 12 months, unrealized losses	(256)	(347)
12 months or more, unrealized losses	(76)	(96)
Total unrealized losses	(332)	(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	(249)	(233)
12 months or more, unrealized losses	0	0
Total unrealized losses	(249)	(233)
SBA pool securities
Estimated Fair Value
Less than 12 months, estimated fair value	0	0
12 months or more, estimated fair value	2,983	3,948
Total estimated fair value	2,983	3,948
Unrealized Losses
Less than 12 months, unrealized losses	0	0
12 months or more, unrealized losses	(73)	(96)
Total unrealized losses	(73)	(96)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	3,214	24,120
12 months or more, estimated fair value	424	2
Total estimated fair value	3,638	24,122
Unrealized Losses
Less than 12 months, unrealized losses	(7)	(114)
12 months or more, unrealized losses	(3)	0
Total unrealized losses	$ (10)	$ (114)

INVESTMENT SECURITIES - Sched_2

INVESTMENT SECURITIES - Schedule of Held-to-Maturity Securities with Unrealized Losses (Details) $ in Thousands	Jun. 30, 2021USD ($)
Estimated Fair Value
Less than 12 months, estimated fair value	$ 9,583
12 months or more, estimated fair value	0
Total estimated fair value	9,583
Unrealized Losses
Less than 12 months, unrealized losses	(57)
12 months or more, unrealized losses	0
Total unrealized losses	(57)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	9,583
12 months or more, estimated fair value	0
Total estimated fair value	9,583
Unrealized Losses
Less than 12 months, unrealized losses	(57)
12 months or more, unrealized losses	0
Total unrealized losses	$ (57)

INVESTMENT SECURITIES - Sched_3

INVESTMENT SECURITIES - Schedule of Investments Available-for-sale, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Debt Securities, Available-for-sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 101	$ 0	$ 112	$ 0
Provision for expected credit losses	(20)	0	(31)	0
Ending balance	$ 81	$ 0	$ 81	$ 0

INVESTMENT SECURITIES - Sched_4

INVESTMENT SECURITIES - Schedule of Gain on Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Unrealized holding gains (losses) on equity securities	$ 1	$ 14	$ (11)	$ 5
Total gain (loss) on securities	$ 1	$ 14	$ (11)	$ 5

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 14,780,791	$ 14,480,925
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,406,421	1,627,477
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	229,411	306,995
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	397,373	580,083
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	841,347	916,353
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	647,578	659,403
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	780,328	687,841
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,527,883	1,606,710
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	6,051,472	5,300,006
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 2,898,978	$ 2,796,057

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred interest on loans, allowance for credit losses	$ 318		$ 718
Interest income on nonaccrual loans	0	$ 0
Loans modified that are not troubled debt restructurings	220,800	139,600
COVID-19 deferrals	$ 127,725		332,779
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	$ 62,300		73,400
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
COVID-19 deferrals	2,539		12,471
Payment Protection Plan Loans | Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	487,900		827,400
Loans Excluding Purchased Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructuring	92,300		85,000
Troubled debt restructurings, previous charge-offs, excluding purchased loans	1,000	$ 1,200
Allowance for loan losses allocated to troubled debt restructuring	$ 14,200		$ 13,000

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Accounted for on a Nonaccrual Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 59,921	$ 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	7,284	9,836
Financing receivable, nonaccrual, no allowance	966	764
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	503	709
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	1,393	2,831
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	1,746	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	17,385	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	31,610	39,157
Financing receivable, nonaccrual, no allowance	$ 6,842	$ 5,299

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of Past-Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total Loans	$ 14,780,791	$ 14,480,925
Loans 90 Days or More Past Due and Still Accruing	4,874	8,326
Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	96,192	134,659
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	39,025	56,483
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	12,500	13,582
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	44,667	64,594
Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	14,684,599	14,346,266
Commercial, financial and agricultural
Financing Receivable, Past Due [Line Items]
Total Loans	1,406,421	1,627,477
Loans 90 Days or More Past Due and Still Accruing	0	0
Commercial, financial and agricultural | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	7,258	12,246
Commercial, financial and agricultural | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,070	4,576
Commercial, financial and agricultural | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,012	2,018
Commercial, financial and agricultural | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,176	5,652
Commercial, financial and agricultural | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,399,163	1,615,231
Consumer installment
Financing Receivable, Past Due [Line Items]
Total Loans	229,411	306,995
Loans 90 Days or More Past Due and Still Accruing	556	1,755
Consumer installment | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,471	5,621
Consumer installment | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,575	2,189
Consumer installment | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,027	1,114
Consumer installment | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	869	2,318
Consumer installment | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	225,940	301,374
Indirect automobile
Financing Receivable, Past Due [Line Items]
Total Loans	397,373	580,083
Loans 90 Days or More Past Due and Still Accruing	0	0
Indirect automobile | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,939	6,470
Indirect automobile | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	699	3,293
Indirect automobile | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	345	1,006
Indirect automobile | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	895	2,171
Indirect automobile | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	395,434	573,613
Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Total Loans	841,347	916,353
Loans 90 Days or More Past Due and Still Accruing	0	0
Mortgage warehouse | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	841,347	916,353
Municipal
Financing Receivable, Past Due [Line Items]
Total Loans	647,578	659,403
Loans 90 Days or More Past Due and Still Accruing	0	0
Municipal | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	647,578	659,403
Premium finance
Financing Receivable, Past Due [Line Items]
Total Loans	780,328	687,841
Loans 90 Days or More Past Due and Still Accruing	2,669	6,571
Premium finance | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	10,387	17,654
Premium finance | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,866	7,188
Premium finance | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,853	3,895
Premium finance | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,668	6,571
Premium finance | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	769,941	670,187
Real estate – construction and development
Financing Receivable, Past Due [Line Items]
Total Loans	1,527,883	1,606,710
Loans 90 Days or More Past Due and Still Accruing	1,649	0
Real estate – construction and development | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	22,363	19,221
Real estate – construction and development | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	18,562	13,348
Real estate – construction and development | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,037	723
Real estate – construction and development | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,764	5,150
Real estate – construction and development | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,505,520	1,587,489
Real estate – commercial and farmland
Financing Receivable, Past Due [Line Items]
Total Loans	6,051,472	5,300,006
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – commercial and farmland | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	8,190	15,722
Real estate – commercial and farmland | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,160	5,370
Real estate – commercial and farmland | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	618	1,701
Real estate – commercial and farmland | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	6,412	8,651
Real estate – commercial and farmland | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	6,043,282	5,284,284
Real estate – residential
Financing Receivable, Past Due [Line Items]
Total Loans	2,898,978	2,796,057
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – residential | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	42,584	57,725
Real estate – residential | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	10,093	20,519
Real estate – residential | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	4,608	3,125
Real estate – residential | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	27,883	34,081
Real estate – residential | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	$ 2,856,394	$ 2,738,332

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Information Pertaining to Impaired Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	$ 99,676	$ 123,082
Allowance for Credit Losses	21,146	24,656
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	3,246	5,490
Allowance for Credit Losses	889	2,252
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	258	3,523
Allowance for Credit Losses	0	0
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	2,244	4,173
Allowance for Credit Losses	693	512
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	83,000	100,180
Allowance for Credit Losses	18,494	21,001
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	10,928	9,716
Allowance for Credit Losses	$ 1,070	$ 891

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Risk Grade (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 14,780,791	$ 14,480,925
9
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income		0
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	540,980	1,034,506
Year two	276,119	138,136
Year three	114,165	100,900
Year four	88,285	68,339
Year five	52,546	28,655
Prior	57,571	45,190
Revolving Loans Amortized Cost Basis	276,755	211,751
Loans, net of unearned income	1,406,421	1,627,477
Commercial, financial and agricultural | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	376,496	829,710
Year two	140,359	2,912
Year three	2,340	1,055
Year four	918	387
Year five	219	490
Prior	4,915	4,961
Revolving Loans Amortized Cost Basis	125,123	36,373
Loans, net of unearned income	650,370	875,888
Commercial, financial and agricultural | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	228	1,213
Year two	446	1,512
Year three	8,778	668
Year four	453	996
Year five	766	172
Prior	879	967
Revolving Loans Amortized Cost Basis	3,789	14,317
Loans, net of unearned income	15,339	19,845
Commercial, financial and agricultural | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	101,165	109,352
Year two	63,440	54,266
Year three	41,678	16,932
Year four	12,311	17,968
Year five	15,782	7,027
Prior	8,307	3,905
Revolving Loans Amortized Cost Basis	51,509	68,806
Loans, net of unearned income	294,192	278,256
Commercial, financial and agricultural | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	62,535	86,837
Year two	67,264	71,645
Year three	53,086	74,388
Year four	67,882	37,779
Year five	26,090	15,359
Prior	29,502	23,069
Revolving Loans Amortized Cost Basis	88,234	85,366
Loans, net of unearned income	394,593	394,443
Commercial, financial and agricultural | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	181	4,061
Year two	3,946	4,269
Year three	3,882	4,772
Year four	3,713	7,443
Year five	5,470	804
Prior	4,130	5,842
Revolving Loans Amortized Cost Basis	6,821	4,352
Loans, net of unearned income	28,143	31,543
Commercial, financial and agricultural | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	21
Year two	6	72
Year three	461	506
Year four	406	193
Year five	507	3,509
Prior	4,742	1,232
Revolving Loans Amortized Cost Basis	497	632
Loans, net of unearned income	6,619	6,165
Commercial, financial and agricultural | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	375	3,312
Year two	658	3,460
Year three	3,940	2,579
Year four	2,602	3,573
Year five	3,712	1,294
Prior	5,096	5,214
Revolving Loans Amortized Cost Basis	782	1,886
Loans, net of unearned income	17,165	21,318
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
Loans, net of unearned income		19
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	25,503	142,833
Year two	85,231	63,892
Year three	47,777	57,725
Year four	34,995	17,936
Year five	13,245	4,808
Prior	13,378	11,042
Revolving Loans Amortized Cost Basis	9,282	8,759
Loans, net of unearned income	229,411	306,995
Consumer installment | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	3,954	6,782
Year two	4,203	3,001
Year three	2,252	1,550
Year four	1,119	583
Year five	393	95
Prior	13	1
Revolving Loans Amortized Cost Basis	3,099	667
Loans, net of unearned income	15,033	12,679
Consumer installment | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	46
Year four	24	2
Year five	1	0
Prior	55	63
Revolving Loans Amortized Cost Basis	36	42
Loans, net of unearned income	116	153
Consumer installment | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	11,379	15,172
Year two	9,354	6,960
Year three	3,932	2,838
Year four	1,488	887
Year five	497	1,455
Prior	1,595	601
Revolving Loans Amortized Cost Basis	2,943	4,389
Loans, net of unearned income	31,188	32,302
Consumer installment | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	10,160	120,800
Year two	71,425	53,593
Year three	41,168	53,182
Year four	32,182	16,329
Year five	12,267	3,121
Prior	10,878	9,437
Revolving Loans Amortized Cost Basis	3,130	3,556
Loans, net of unearned income	181,210	260,018
Consumer installment | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	49
Year two	32	127
Year three	75	28
Year four	8	30
Year five	21	3
Prior	160	242
Revolving Loans Amortized Cost Basis	0	8
Loans, net of unearned income	296	487
Consumer installment | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	2
Year three	5	9
Year four	8	0
Year five	0	0
Prior	141	145
Revolving Loans Amortized Cost Basis	6	0
Loans, net of unearned income	160	156
Consumer installment | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	10	30
Year two	217	209
Year three	345	72
Year four	166	105
Year five	66	134
Prior	536	553
Revolving Loans Amortized Cost Basis	66	97
Loans, net of unearned income	1,406	1,200
Consumer installment | 9
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	2
Loans, net of unearned income	2
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	35,595
Year three	27,732	188,313
Year four	140,150	188,964
Year five	132,835	110,066
Prior	96,656	57,145
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	397,373	580,083
Indirect automobile | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	81
Year four	68	31
Year five	26	5,356
Prior	4,862	3,054
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	4,956	8,522
Indirect automobile | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	35,432
Year three	27,695	187,656
Year four	139,757	188,302
Year five	132,451	103,570
Prior	90,484	52,781
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	390,387	567,741
Indirect automobile | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	57
Year four	29	70
Year five	31	62
Prior	85	85
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	145	274
Indirect automobile | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	163
Year three	37	519
Year four	296	561
Year five	327	1,078
Prior	1,225	1,225
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	1,885	3,546
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	841,347	916,353
Loans, net of unearned income	841,347	916,353
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	841,347	916,353
Loans, net of unearned income	841,347	916,353
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	38,623	236,076
Year two	232,591	13,398
Year three	14,205	8,944
Year four	7,227	149,194
Year five	143,831	141,543
Prior	211,101	110,248
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	647,578	659,403
Municipal | 1
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	36,781	91,692
Year two	93,621	12,685
Year three	13,555	8,944
Year four	7,227	143,741
Year five	138,378	124,929
Prior	192,462	97,923
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	482,024	479,914
Municipal | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,842	73,000
Year two	72,018	0
Year three	0	0
Year four	0	0
Year five	0	9,410
Prior	12,968	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	86,828	82,410
Municipal | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	39,990
Year two	60,812	713
Year three	650	0
Year four	0	5,453
Year five	5,453	7,204
Prior	2,989	5,489
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	69,904	58,849
Municipal | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	31,394
Year two	6,140	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	2,682	6,836
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	8,822	38,230
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	655,200	667,425
Year two	121,458	18,996
Year three	2,973	515
Year four	109	746
Year five	528	121
Prior	60	38
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	780,328	687,841
Premium finance | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	654,607	661,614
Year two	119,382	18,236
Year three	2,973	515
Year four	109	746
Year five	528	121
Prior	60	38
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	777,659	681,270
Premium finance | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	593	5,811
Year two	2,076	760
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	2,669	6,571
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	435,839	666,893
Year two	489,710	483,145
Year three	318,850	226,138
Year four	118,748	73,061
Year five	60,002	35,841
Prior	65,996	51,658
Revolving Loans Amortized Cost Basis	38,738	69,974
Loans, net of unearned income	1,527,883	1,606,710
Real estate – construction and development | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0
Year two	62
Year three	0
Year four	0
Year five	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans, net of unearned income	62
Real estate – construction and development | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	7,884	59,325
Year two	37,592	7,035
Year three	6,222	6,870
Year four	3,962	8,046
Year five	2,633	3,415
Prior	8,030	6,916
Revolving Loans Amortized Cost Basis	1,038	1,293
Loans, net of unearned income	67,361	92,900
Real estate – construction and development | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	426,409	605,254
Year two	451,515	445,496
Year three	295,524	205,444
Year four	67,692	50,181
Year five	42,799	14,672
Prior	27,869	26,915
Revolving Loans Amortized Cost Basis	37,595	68,574
Loans, net of unearned income	1,349,403	1,416,536
Real estate – construction and development | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	1,614
Year two	528	26,720
Year three	16,913	9,612
Year four	44,673	13,261
Year five	13,946	17,712
Prior	27,151	10,127
Revolving Loans Amortized Cost Basis	105	107
Loans, net of unearned income	103,316	79,153
Real estate – construction and development | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	685
Year two	0	1,036
Year three	21	3,646
Year four	2,126	1,302
Year five	0	0
Prior	646	4,564
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	2,793	11,233
Real estate – construction and development | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,546	15
Year two	13	2,858
Year three	170	566
Year four	295	271
Year five	624	42
Prior	2,300	3,136
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	4,948	6,888
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	855,942	1,275,475
Year two	1,309,528	1,060,392
Year three	1,151,000	660,156
Year four	707,220	655,451
Year five	583,280	531,935
Prior	1,364,290	1,012,521
Revolving Loans Amortized Cost Basis	80,212	104,076
Loans, net of unearned income	6,051,472	5,300,006
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
Year four	146	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	146	161
Real estate – commercial and farmland | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	56,737	7,482
Year two	7,332	540
Year three	354	521
Year four	448	2,131
Year five	2,058	4,375
Prior	12,776	10,663
Revolving Loans Amortized Cost Basis	0	1,138
Loans, net of unearned income	79,705	26,850
Real estate – commercial and farmland | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	566,934	918,939
Year two	853,282	370,703
Year three	410,581	143,591
Year four	171,064	197,942
Year five	169,835	224,712
Prior	485,822	274,665
Revolving Loans Amortized Cost Basis	43,381	67,067
Loans, net of unearned income	2,700,899	2,197,619
Real estate – commercial and farmland | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	227,946	344,777
Year two	424,926	584,814
Year three	580,795	423,241
Year four	432,688	331,024
Year five	241,782	242,573
Prior	631,786	545,745
Revolving Loans Amortized Cost Basis	31,889	34,326
Loans, net of unearned income	2,571,812	2,506,500
Real estate – commercial and farmland | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,679	4,027
Year two	17,197	39,216
Year three	112,473	69,173
Year four	72,218	80,726
Year five	133,334	25,561
Prior	149,037	94,461
Revolving Loans Amortized Cost Basis	4,053	1,274
Loans, net of unearned income	489,991	314,438
Real estate – commercial and farmland | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	462	0
Year two	0	10,680
Year three	10,369	4,895
Year four	14,008	28,139
Year five	29,841	7,670
Prior	28,571	31,224
Revolving Loans Amortized Cost Basis	884	0
Loans, net of unearned income	84,135	82,608
Real estate – commercial and farmland | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,184	250
Year two	6,791	54,439
Year three	36,428	18,574
Year four	16,648	15,489
Year five	6,430	27,044
Prior	56,298	55,763
Revolving Loans Amortized Cost Basis	5	271
Loans, net of unearned income	124,784	171,830
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	629,602	786,803
Year two	718,041	562,538
Year three	426,444	287,286
Year four	204,211	206,739
Year five	143,176	173,832
Prior	547,917	522,873
Revolving Loans Amortized Cost Basis	229,587	255,986
Loans, net of unearned income	2,898,978	2,796,057
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	15	19
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	15	19
Real estate – residential | 2
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	37
Year two	36	398
Year three	378	12
Year four	0	121
Year five	96	1,275
Prior	36,139	47,286
Revolving Loans Amortized Cost Basis	1,150	1,402
Loans, net of unearned income	37,799	50,531
Real estate – residential | 3
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	611,704	763,101
Year two	681,564	529,268
Year three	352,543	254,632
Year four	157,688	186,531
Year five	115,923	154,285
Prior	390,335	388,825
Revolving Loans Amortized Cost Basis	186,520	203,491
Loans, net of unearned income	2,496,277	2,480,133
Real estate – residential | 4
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	16,340	19,296
Year two	12,494	19,874
Year three	16,410	15,784
Year four	12,529	11,607
Year five	8,699	14,240
Prior	49,078	53,869
Revolving Loans Amortized Cost Basis	35,969	44,276
Loans, net of unearned income	151,519	178,946
Real estate – residential | 5
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	532	400
Year two	19,488	1,768
Year three	43,677	3,489
Year four	22,071	3,479
Year five	13,844	1,151
Prior	54,793	12,824
Revolving Loans Amortized Cost Basis	2,787	3,618
Loans, net of unearned income	157,192	26,729
Real estate – residential | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	618	527
Year two	417	1,843
Year three	933	1,030
Year four	870	334
Year five	399	724
Prior	3,556	3,391
Revolving Loans Amortized Cost Basis	107	255
Loans, net of unearned income	6,900	8,104
Real estate – residential | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	408	3,442
Year two	4,042	9,387
Year three	12,503	12,339
Year four	11,053	4,667
Year five	4,215	2,157
Prior	14,001	16,659
Revolving Loans Amortized Cost Basis	3,054	2,944
Loans, net of unearned income	$ 49,276	$ 51,595

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Class Modified as Troubled Debt Restructurings (Details) - Loans Excluding Purchased Loan $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2021USD ($)contractbranch	Jun. 30, 2020USD ($)contractbranch	Jun. 30, 2021USD ($)contractbranch	Jun. 30, 2020USD ($)contractbranch	Dec. 31, 2020USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	9	9	25	83
Troubled debt restructurings principal balances	$ 9,298	$ 1,577	$ 18,368	$ 11,278
Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	25	7	60	16
Troubled debt restructurings principal balances	$ 1,169	$ 168	$ 7,195	$ 1,732
Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			628		752
Troubled debt restructurings principal balances			$ 81,206		$ 78,843
Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			122		128
Troubled debt restructurings principal balances			$ 11,068		$ 6,145
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	1	6	1
Troubled debt restructurings principal balances	$ 165	$ 731	$ 591	$ 731
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	3	1
Troubled debt restructurings principal balances	$ 0	$ 0	$ 49	$ 200
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			12		9
Troubled debt restructurings principal balances			$ 1,038		$ 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			10		11
Troubled debt restructurings principal balances			$ 805		$ 849
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	3	2	4
Troubled debt restructurings principal balances	$ 8	$ 7	$ 8	$ 15
Consumer installment | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	3	4	3
Troubled debt restructurings principal balances	$ 0	$ 4	$ 5	$ 4
Consumer installment | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			9		10
Troubled debt restructurings principal balances			$ 28		$ 32
Consumer installment | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			19		20
Troubled debt restructurings principal balances			$ 43		$ 56
Indirect automobile | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | branch	7	0	22	0
Troubled debt restructurings principal balances	$ 27	$ 0	$ 112	$ 0
Indirect automobile | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			336		437
Troubled debt restructurings principal balances			$ 1,647		$ 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			$ 301		$ 461
Real estate – construction and development
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	0	1
Troubled debt restructurings principal balances	$ 0	$ 0	$ 0	$ 20
Real estate – construction and development | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	1	2
Troubled debt restructurings principal balances	$ 0	$ 0	$ 1	$ 285
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			5		4
Troubled debt restructurings principal balances			$ 898		$ 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			4		5
Troubled debt restructurings principal balances			$ 301		$ 707
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	3	0	5	1
Troubled debt restructurings principal balances	$ 8,653	$ 0	$ 16,312	$ 16
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	1	0	3	2
Troubled debt restructurings principal balances	$ 202	$ 0	$ 5,382	$ 676
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			28		28
Troubled debt restructurings principal balances			$ 46,025		$ 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			11		7
Troubled debt restructurings principal balances			$ 7,103		$ 1,401
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	5	12	76
Troubled debt restructurings principal balances	$ 472	$ 839	$ 1,457	$ 10,496
Real estate – residential | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	17	4	27	8
Troubled debt restructurings principal balances	$ 940	$ 164	$ 1,646	$ 567
Real estate – residential | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			238		264
Troubled debt restructurings principal balances			$ 31,570		$ 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			31		34
Troubled debt restructurings principal balances			$ 2,515		$ 2,671

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Deferrals Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 127,725	$ 332,779
Deferrals as a % of total loans	0.90%	2.30%
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 2,539	$ 12,471
Deferrals as a % of total loans	0.20%	0.80%
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 29	$ 1,418
Deferrals as a % of total loans	0.00%	0.50%
Indirect automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 1,126	$ 8,936
Deferrals as a % of total loans	0.30%	1.50%
Real estate – construction and development
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 873	$ 11,049
Deferrals as a % of total loans	0.10%	0.70%
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 63,827	$ 179,183
Deferrals as a % of total loans	1.10%	3.40%
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 59,331	$ 119,722
Deferrals as a % of total loans	2.00%	4.30%

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 178,570	$ 149,524	$ 199,422	$ 38,189
Provision for loan losses	(899)	68,449	(17,478)	105,496
Loans charged off	(7,138)	(11,281)	(14,712)	(17,999)
Recoveries of loans previously charged off	4,537	2,101	7,838	4,446
Ending balance, Allowance	175,070	208,793	175,070	208,793
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	8,291	8,110	7,359	4,567
Provision for loan losses	1,502	11	4,077	3,091
Loans charged off	(3,529)	(486)	(5,899)	(2,972)
Recoveries of loans previously charged off	625	303	1,352	665
Ending balance, Allowance	6,889	7,938	6,889	7,938
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	8,790	15,446	4,076	3,784
Provision for loan losses	491	5,165	6,297	9,636
Loans charged off	(1,669)	(962)	(3,117)	(2,104)
Recoveries of loans previously charged off	212	436	568	757
Ending balance, Allowance	7,824	20,085	7,824	20,085
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	1,272	3,464	1,929	0
Provision for loan losses	(423)	574	(951)	816
Loans charged off	(141)	(1,016)	(970)	(2,247)
Recoveries of loans previously charged off	372	359	1,072	703
Ending balance, Allowance	1,080	3,381	1,080	3,381
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	3,521	1,102	3,666	640
Provision for loan losses	(156)	396	(301)	395
Loans charged off	0	0	0	0
Recoveries of loans previously charged off	0	0	0	0
Ending balance, Allowance	3,365	1,498	3,365	1,498
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	790	522	791	484
Provision for loan losses	(13)	(15)	(14)	115
Loans charged off	0	0	0	0
Recoveries of loans previously charged off	0	0	0	0
Ending balance, Allowance	777	507	777	507
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	4,100	11,508	3,879	2,550
Provision for loan losses	(833)	(2,083)	(391)	2,551
Loans charged off	(1,194)	(1,903)	(2,537)	(2,734)
Recoveries of loans previously charged off	2,466	676	3,588	1,360
Ending balance, Allowance	4,539	8,198	4,539	8,198
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	22,858	25,319	45,304	5,995
Provision for loan losses	(3,757)	28,853	(26,344)	35,587
Loans charged off	(186)	(74)	(212)	(74)
Recoveries of loans previously charged off	84	168	251	510
Ending balance, Allowance	18,999	54,266	18,999	54,266
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	91,211	51,754	88,894	9,666
Provision for loan losses	(3,031)	38,133	640	53,991
Loans charged off	(27)	(6,315)	(1,422)	(7,243)
Recoveries of loans previously charged off	185	21	226	106
Ending balance, Allowance	88,338	83,593	88,338	83,593
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	37,737	32,299	43,524	10,503
Provision for loan losses	5,321	(2,585)	(491)	(686)
Loans charged off	(392)	(525)	(555)	(625)
Recoveries of loans previously charged off	593	138	781	345
Ending balance, Allowance	$ 43,259	$ 29,327	$ 43,259	29,327
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	Jun. 30, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Securities sold under agreements to repurchase	$ 5,544	$ 11,641

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 125,331	$ 124,345
Other borrowings	425,303	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	$ 1,406	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	$ 973	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	$ 1,493	1,567
Debt instrument, interest rate, effective percentage	3.095%
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $747 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	$ 74,253	74,188
Debt instrument, interest rate, effective percentage	5.75%
Unamortized debt issuance expense	$ 747	812
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $747 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 $2,044 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	$ 117,956	117,835
Debt instrument, interest rate, effective percentage	4.25%
Unamortized debt issuance expense	$ 2,044	2,165
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $2,044 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 $1,089 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	$ 76,089	76,150
Debt instrument, interest rate, effective percentage	5.875%
Unaccreted purchase accounting fair value adjustment	$ (1,089)	(1,150)
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,089 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 $1,867 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	$ 108,133	108,027
Debt instrument, interest rate, effective percentage	3.875%
Unamortized debt issuance expense	$ 1,867	$ 1,973
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,867 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% | Secured Overnight Financing Rate (SOFR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.753%

OTHER BORROWINGS - Narrative (D

OTHER BORROWINGS - Narrative (Details) $ in Millions	Jun. 30, 2021USD ($)
Debt Disclosure [Abstract]
Federal home loan bank, advances, general debt obligations, amount of available, unused funds	$ 3,350
Credit arrangements for federal funds purchase	127
Pledged assets separately reported, loans pledged for federal reserve bank, at fair value	3,240
Loans pledged at federal reserve discount window available for borrowing	$ 2,250

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 2,757,596	$ 2,437,150	$ 2,647,088	$ 2,469,582
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	(1,066)	62	(8,481)	21,618
Balance at end of period	2,837,004	2,460,130	2,837,004	2,460,130
Unrealized Gain (Loss) on Derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	0	(244)	0	(147)
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	0	111	0	14
Balance at end of period	0	(133)	0	(133)
Unrealized Gain (Loss) on Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	26,090	39,795	33,505	18,142
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	(1,066)	(49)	(8,481)	21,604
Balance at end of period	25,024	39,746	25,024	39,746
Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	26,090	39,551	33,505	17,995
Balance at end of period	$ 25,024	$ 39,613	$ 25,024	$ 39,613

WEIGHTED AVERAGE SHARES OUTST_3

WEIGHTED AVERAGE SHARES OUTSTANDING (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Earnings Per Share [Abstract]
Average common shares outstanding (in shares)	69,497,000	69,192,000	69,448,000	69,235,000
Common share equivalents:
Stock options (in shares)	64,000	9,000	74,000	33,000
Nonvested restricted share grants (in shares)	151,000	75,000	153,000	130,000
Performance share units (in shares)	80,000	17,000	90,000	15,000
Average common shares outstanding, assuming dilution (in shares)	69,792,000	69,293,000	69,765,000	69,413,000
Potential common shares with strike prices that would cause them to be anti-dilutive (in shares)	0	252,765	0	56,000

FAIR VALUE MEASURES - Loans Hel

FAIR VALUE MEASURES - Loans Held for Sale Under the Fair Value Option (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 1,210,589	$ 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	1,200,139	998,050
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 10,450	$ 3,757

FAIR VALUE MEASURES - Narrative

FAIR VALUE MEASURES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Fair Value Disclosures [Abstract]
Net gains (losses) from change in fair value of mortgages loans held for sale	$ 10	$ 26.1	$ (15.1)	$ 41.1
Net gains (losses) from change in fair value of derivative financial instruments	$ (45.1)	$ 36.4	$ (17.6)	$ 33.8

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	Jun. 30, 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	$ 1,200,139	$ 998,050
Aggregate unpaid principal balance of loans held for sale	1,164,671	947,460
Past-due loans of 90 days or more	361	0
Nonaccrual loans	361	0
Unpaid principal balance of nonaccrual loans	352	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	10,450	3,757
Aggregate unpaid principal balance of loans held for sale	9,423	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	Jun. 30, 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	$ 778,167	$ 982,879
Loans held for sale	1,210,589	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	12,327	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	60,836	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	43,612	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	54,281	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	607,111	784,204
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,210,589	1,001,807
Total recurring assets at fair value	2,009,070	2,036,442
Total recurring liabilities at fair value	2,546	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	0
Fair Value, Measurements, Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,210,589	1,001,807
Total recurring assets at fair value	2,007,900	2,035,272
Total recurring liabilities at fair value	2,546	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	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	20,314	51,756
Derivative liability	2,546	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	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	20,314	51,756
Derivative liability	2,546	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	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	12,327	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	12,327	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	60,836	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	60,836	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	43,612	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	42,442	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	54,281	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	54,281	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	607,111	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	607,111	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	Jun. 30, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 272,184	$ 239,859
Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	78,530	98,426
Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	1,979	4,964
Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	191,675	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	272,184	234,020
Level 3 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	78,530	98,426
Level 3 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	1,979	4,964
Level 3 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 191,675	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	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, at fair value	$ 778,167	$ 982,879
Other real estate owned, at fair value	5,775	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	78,530	98,426
Other real estate owned, at fair value	1,979	4,964
Mortgage servicing rights	$ 191,675	$ 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	0.136	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	0.136	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	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	0.39	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	0.38	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	0.23	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	0.13	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	0.42	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	0.15	19

FAIR VALUE MEASURES - Carrying

FAIR VALUE MEASURES - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Financial assets:
Cash and due from banks	$ 259,729	$ 203,349
Federal funds sold and interest-bearing accounts	3,044,795	1,913,957
Time deposits in other banks	0	249
Investment securities held-to-maturity	29,008	0
Financial liabilities:
Other borrowings	425,303	425,155
Subordinated deferrable interest debentures	125,331	124,345
Carrying Amount
Financial assets:
Cash and due from banks	259,729	203,349
Federal funds sold and interest-bearing accounts	3,044,795	1,913,957
Time deposits in other banks	0	249
Investment securities held-to-maturity	29,055	0
Loans, net	14,527,191	14,183,077
Accrued interest receivable	64,906	76,254
Financial liabilities:
Deposits	18,257,997	16,957,823
Securities sold under agreements to repurchase	5,544	11,641
Other borrowings	425,303	425,155
Subordinated deferrable interest debentures	125,331	124,345
Accrued interest payable	4,375	5,487
Fair Value
Financial assets:
Cash and due from banks	259,729	203,349
Federal funds sold and interest-bearing accounts	3,044,795	1,913,957
Time deposits in other banks	0	249
Investment securities held-to-maturity	29,008	0
Loans, net	14,407,763	14,096,711
Accrued interest receivable	64,906	76,254
Financial liabilities:
Deposits	18,262,653	16,968,606
Securities sold under agreements to repurchase	5,544	11,641
Other borrowings	430,674	431,783
Subordinated deferrable interest debentures	117,735	116,280
Accrued interest payable	4,375	5,487
Fair Value | Level 1
Financial assets:
Cash and due from banks	259,729	203,349
Federal funds sold and interest-bearing accounts	3,044,795	1,913,957
Time deposits in other banks	0	0
Investment securities held-to-maturity	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
Securities sold under agreements to repurchase	5,544	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	0	249
Investment securities held-to-maturity	29,008	0
Loans, net	0	0
Accrued interest receivable	2,919	3,567
Financial liabilities:
Deposits	18,262,653	16,968,606
Securities sold under agreements to repurchase	0	0
Other borrowings	430,674	431,783
Subordinated deferrable interest debentures	117,735	116,280
Accrued interest payable	4,375	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
Investment securities held-to-maturity	0	0
Loans, net	14,407,763	14,096,711
Accrued interest receivable	61,987	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	Jun. 30, 2021	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 3,550,269	$ 2,826,719
Unused home equity lines of credit	262,576	259,015
Financial standby letters of credit	32,291	33,613
Mortgage interest rate lock commitments	$ 674,525	$ 1,199,939

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - Allowance for Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision for unfunded commitments	$ (899)	$ 68,449	$ (17,478)	$ 105,496
Unfunded Loan Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	21,015	17,791	32,854	1,077
Addition due to acquisition	0	0	0	0
Provision for unfunded commitments	1,299	19,712	(10,540)	23,712
Ending balance, Allowance	22,314	37,503	22,314	37,503
Unfunded Loan Commitments | Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 0	$ 0	$ 0	$ 12,714

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES - Narrative (Details) $ in Millions	Jun. 30, 2021USD ($)
Federal Home Loan Bank | Letter of Credit
Loss Contingencies [Line Items]
Letter of credit	$ 490

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	6 Months Ended
	Jun. 30, 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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Segment Reporting Information [Line Items]
Interest income	$ 173,751	$ 185,018	$ 351,701	$ 367,786
Interest expense	11,899	21,204	24,872	56,027
Net interest income	161,852	163,814	326,829	311,759
Provision for credit losses	142	88,161	(28,449)	129,208
Noninterest income	89,240	120,960	207,213	175,339
Noninterest expense
Salaries and employee benefits	85,505	95,168	181,490	171,114
Occupancy and equipment	10,812	13,807	22,593	25,835
Data processing and communications expenses	11,877	10,514	23,761	22,468
Other expenses	27,567	36,279	56,715	74,404
Total noninterest expense	135,761	155,768	284,559	293,821
Income (loss) before income tax expense	115,189	40,845	277,932	64,069
Income tax expense (benefit)	26,862	8,609	64,643	12,511
Net income (loss)	88,327	32,236	213,289	51,558
Total assets	21,886,931	19,872,629	21,886,931	19,872,629	$ 20,438,638
Goodwill	928,005	928,005	928,005	928,005	928,005
Other intangible assets, net	63,783	80,354	63,783	80,354	$ 71,974
Banking Division
Segment Reporting Information [Line Items]
Interest income	109,260	128,653	221,639	260,954
Interest expense	(1,410)	8,323	(1,847)	22,249
Net interest income	110,670	120,330	223,486	238,705
Provision for credit losses	(3,949)	86,805	(27,853)	122,802
Noninterest income	16,171	14,468	32,909	32,241
Noninterest expense
Salaries and employee benefits	37,814	40,423	80,537	82,044
Occupancy and equipment	9,050	11,679	19,170	22,026
Data processing and communications expenses	10,280	8,919	20,481	19,716
Other expenses	18,763	27,997	38,473	58,642
Total noninterest expense	75,907	89,018	158,661	182,428
Income (loss) before income tax expense	54,883	(41,025)	125,587	(34,284)
Income tax expense (benefit)	14,196	(8,582)	32,652	(8,307)
Net income (loss)	40,687	(32,443)	92,935	(25,977)
Total assets	15,561,628	13,121,679	15,561,628	13,121,679
Goodwill	863,507	863,507	863,507	863,507
Other intangible assets, net	50,418	64,007	50,418	64,007
Retail Mortgage Division
Segment Reporting Information [Line Items]
Interest income	34,085	34,714	64,284	68,125
Interest expense	11,552	10,412	22,767	26,067
Net interest income	22,533	24,302	41,517	42,058
Provision for credit losses	5,647	423	1,094	2,420
Noninterest income	69,055	104,195	166,695	138,564
Noninterest expense
Salaries and employee benefits	44,798	50,003	94,636	81,100
Occupancy and equipment	1,553	1,953	3,029	3,457
Data processing and communications expenses	1,435	1,406	2,981	2,392
Other expenses	7,638	6,949	15,827	12,824
Total noninterest expense	55,424	60,311	116,473	99,773
Income (loss) before income tax expense	30,517	67,763	90,645	78,429
Income tax expense (benefit)	6,408	14,231	19,035	16,639
Net income (loss)	24,109	53,532	71,610	61,790
Total assets	3,917,275	3,905,683	3,917,275	3,905,683
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
Warehouse Lending Division
Segment Reporting Information [Line Items]
Interest income	8,988	5,285	19,315	10,135
Interest expense	268	259	689	1,807
Net interest income	8,720	5,026	18,626	8,328
Provision for credit losses	(155)	403	(300)	394
Noninterest income	1,333	727	2,313	1,687
Noninterest expense
Salaries and employee benefits	278	209	608	419
Occupancy and equipment	1	1	2	2
Data processing and communications expenses	68	55	117	96
Other expenses	30	88	63	122
Total noninterest expense	377	353	790	639
Income (loss) before income tax expense	9,831	4,997	20,449	8,982
Income tax expense (benefit)	2,064	1,049	4,294	1,886
Net income (loss)	7,767	3,948	16,155	7,096
Total assets	779,234	753,668	779,234	753,668
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
SBA Division
Segment Reporting Information [Line Items]
Interest income	14,050	8,757	32,084	12,485
Interest expense	1,168	1,723	2,567	3,270
Net interest income	12,882	7,034	29,517	9,215
Provision for credit losses	(607)	2,322	(1,154)	1,419
Noninterest income	2,677	1,570	5,288	2,847
Noninterest expense
Salaries and employee benefits	937	2,612	2,319	4,088
Occupancy and equipment	132	97	238	194
Data processing and communications expenses	0	15	1	28
Other expenses	284	359	579	874
Total noninterest expense	1,353	3,083	3,137	5,184
Income (loss) before income tax expense	14,813	3,199	32,822	5,459
Income tax expense (benefit)	3,111	671	6,893	1,146
Net income (loss)	11,702	2,528	25,929	4,313
Total assets	748,234	1,310,077	748,234	1,310,077
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
Premium  Finance  Division
Segment Reporting Information [Line Items]
Interest income	7,368	7,609	14,379	16,087
Interest expense	321	487	696	2,634
Net interest income	7,047	7,122	13,683	13,453
Provision for credit losses	(794)	(1,792)	(236)	2,173
Noninterest income	4	0	8	0
Noninterest expense
Salaries and employee benefits	1,678	1,921	3,390	3,463
Occupancy and equipment	76	77	154	156
Data processing and communications expenses	94	119	181	236
Other expenses	852	886	1,773	1,942
Total noninterest expense	2,700	3,003	5,498	5,797
Income (loss) before income tax expense	5,145	5,911	8,429	5,483
Income tax expense (benefit)	1,083	1,240	1,769	1,147
Net income (loss)	4,062	4,671	6,660	4,336
Total assets	880,560	781,522	880,560	781,522
Goodwill	64,498	64,498	64,498	64,498
Other intangible assets, net	$ 13,365	$ 16,347	$ 13,365	$ 16,347

LOAN SERVICING RIGHTS - Schedul

LOAN SERVICING RIGHTS - Schedule of Carrying Value of Loan Servicing Rights Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 197,798		$ 136,542
Residential mortgage
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	191,675	$ 154,746	130,630	$ 91,381	$ 85,922	$ 94,902
SBA
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	6,123	6,445	5,839	5,241	5,394	7,886
Indirect automobile
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 0	$ 29	$ 73	$ 162	$ 204	$ 247

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 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	$ 11,300	$ 6,900	$ 21,500	$ 13,100
SBA servicing rights
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	980	1,000	2,000	2,100
Indirect automobile
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 170	$ 518	$ 376	$ 1,200

LOAN SERVICING RIGHTS - Sched_2

LOAN SERVICING RIGHTS - Schedule of Activity of Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance			$ 136,542
Ending balance	$ 197,798		197,798
Residential mortgage servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	154,746	$ 85,922	130,630	$ 94,902
Additions	43,377	19,298	65,244	35,359
Amortization	(7,197)	(5,687)	(14,681)	(9,853)
Recoveries/(impairment)	749	(8,152)	10,482	(29,027)
Ending balance	191,675	91,381	191,675	91,381
Residential mortgage servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	29,674	20,979	39,407	104
Additions	0	8,152	0	29,027
Recoveries/(impairment)	(749)	0	(10,482)	0
Ending balance	28,925	29,131	28,925	29,131
SBA servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	6,445	5,394	5,839	7,886
Additions	241	100	471	475
Purchase accounting adjustment	0	0	0	(1,214)
Amortization	(563)	(416)	(1,092)	(779)
Recoveries/(impairment)	0	163	905	(1,127)
Ending balance	6,123	5,241	6,123	5,241
SBA servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	1,431	905	141
Additions	0	0	0	1,127
Recoveries/(impairment)	0	(163)	(905)	0
Ending balance	0	1,268	0	1,268
Indirect automobile
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	29	204	73	247
Amortization	(29)	(42)	(73)	(85)
Ending balance	$ 0	$ 162	$ 0	$ 162

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	6 Months Ended	12 Months Ended
	Jun. 30, 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	$ 15,486,442	$ 13,764,529
Loans serviced for others, percentage	100.00%	100.00%
Weighted average life (in years)	340 months	340 months
Weighted average age	19 months	20 months
Modeled prepayment speed	14.67%	18.82%
Decline in fair value due to a 10% adverse change	$ (8,237)	$ (7,154)
Decline in fair value due to a 20% adverse change	$ (15,818)	$ (13,664)
Weighted average discount rate	8.76%	9.50%
Decline in fair value due to a 10% adverse change	$ (6,866)	$ (4,304)
Decline in fair value due to a 20% adverse change	$ (13,193)	$ (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	21.35%	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	61.30%	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	17.35%	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	$ 431,185	$ 351,325
Weighted average life (in years)	3 years 7 months 2 days	3 years 5 months 15 days
Modeled prepayment speed	18.37%	19.14%
Decline in fair value due to a 10% adverse change	$ (393)	$ (335)
Decline in fair value due to a 20% adverse change	$ (747)	$ (636)
Weighted average discount rate	7.77%	9.55%
Decline in fair value due to a 10% adverse change	$ (187)	$ (151)
Decline in fair value due to a 20% adverse change	$ (365)	$ (295)

Uncategorized Items - abcb-2021

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