Ameris Bancorp (ABCB) 10-Q 6 May 22 2022 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2022	Apr. 30, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
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		69,435,779
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Entity Central Index Key	0000351569
Current Fiscal Year End Date	--12-31

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 257,316	$ 307,813
Federal funds sold and interest-bearing deposits in banks	3,541,144	3,756,844
Cash and cash equivalents	3,798,460	4,064,657
Debt securities available-for-sale, at fair value	579,204	592,621
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $— and $— (fair value of $82,489 and $78,206)	91,454	79,850
Other investments	49,395	47,552
Loans held for sale, at fair value	901,550	1,254,632
Loans, net of unearned income	16,143,801	15,874,258
Allowance for credit losses	(161,251)	(167,582)
Loans, net	15,982,550	15,706,676
Other real estate owned, net	1,910	3,810
Premises and equipment, net	224,293	225,400
Goodwill	1,022,345	1,012,620
Other intangible assets, net	120,757	125,938
Cash value of bank owned life insurance	332,914	331,146
Other assets	455,460	413,419
Total assets	23,560,292	23,858,321
Deposits:
Noninterest-bearing	7,870,207	7,774,823
Interest-bearing	11,718,234	11,890,730
Total deposits	19,588,441	19,665,553
Securities sold under agreements to repurchase	2,065	5,845
Other borrowings	425,520	739,879
Subordinated deferrable interest debentures	126,827	126,328
Other liabilities	410,280	354,265
Total liabilities	20,553,133	20,891,870
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; 72,212,322 and 72,017,126 shares issued	72,212	72,017
Capital surplus	1,928,702	1,924,813
Retained earnings	1,077,725	1,006,436
Accumulated other comprehensive income, net of tax	(1,841)	15,590
Treasury stock, at cost, 2,773,238 and 2,407,898 shares	(69,639)	(52,405)
Total shareholders’ equity	3,007,159	2,966,451
Total liabilities and shareholders’ equity	$ 23,560,292	$ 23,858,321

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Debt securities, held-to-maturity, allowance for credit loss	$ 0	$ 0
Debt securities held-to-maturity	$ 82,489	$ 78,206
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)	72,212,322	72,017,126
Treasury stock, shares (in shares)	2,773,238	2,407,898

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income
Interest and fees on loans	$ 177,566	$ 171,157
Interest on taxable securities	4,239	6,118
Interest on nontaxable securities	186	141
Interest on deposits in other banks and federal funds sold	1,383	534
Total interest income	183,374	177,950
Interest expense
Interest on deposits	4,092	6,798
Interest on other borrowings	6,738	6,175
Total interest expense	10,830	12,973
Net interest income	172,544	164,977
Provision for loan losses	(2,734)	(16,579)
Provision for unfunded commitments	9,009	(11,839)
Provision for other credit losses	(44)	(173)
Provision for credit losses	6,231	(28,591)
Net interest income after provision for credit losses	166,313	193,568
Noninterest income
Service charges on deposit accounts	11,058	10,829
Mortgage banking activity	62,938	98,486
Other service charges, commissions and fees	939	1,016
Net loss on securities	(27)	(12)
Other noninterest income	12,003	7,654
Total noninterest income	86,911	117,973
Noninterest expense
Salaries and employee benefits	84,281	95,985
Occupancy and equipment	12,727	11,781
Data processing and communications expenses	12,572	11,884
Credit resolution-related expenses	(965)	547
Advertising and marketing	1,988	1,431
Amortization of intangible assets	5,181	4,126
Merger and conversion charges	977	0
Loan servicing expense	8,919	5,900
Other noninterest expenses	18,140	17,144
Total noninterest expense	143,820	148,798
Income (loss) before income tax expense	109,404	162,743
Income tax expense	27,706	37,781
Net income	81,698	124,962
Other comprehensive income (loss)
Net unrealized holding losses arising during period on investment securities available-for-sale, net of tax benefit of $(4,633) and $(1,972)	(17,431)	(7,415)
Total other comprehensive income (loss)	(17,431)	(7,415)
Comprehensive income	$ 64,267	$ 117,547
Basic earnings per common share (in dollars per share)	$ 1.18	$ 1.80
Diluted earnings per common share (in dollars per share)	$ 1.17	$ 1.79
Weighted average common shares outstanding
Basic (in shares)	69,346	69,392
Diluted (in shares)	69,661	69,741

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Income Statement [Abstract]
Tax expense (benefit) from unrealized holding gain (loss) on securities arising during period	$ (4,633)	$ (1,972)

Consolidated Statements of Shar

Consolidated Statements of Shareholders’ Equity (unaudited) - USD ($) $ in Thousands	Total	Common Stock	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss), Net of Tax	Treasury Stock
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)
Issuance of restricted shares (in shares)		86,075
Issuance of restricted shares	599	$ 86	513
Proceeds from exercise of stock options (in shares)		114,308
Proceeds from exercise of stock options	3,002	$ 114	2,888
Share-based compensation	1,304		1,304
Purchase of treasury shares (in shares)						28,438
Purchase of treasury shares	(1,456)					$ (1,456)
Net income	124,962			124,962
Dividends on common stock shares	(10,488)			(10,488)
Other comprehensive income (loss) during the period	(7,415)				(7,415)
Balance at end of period (in shares) at Mar. 31, 2021		71,954,088				2,240,662
Balance at end of period at Mar. 31, 2021	2,757,596	$ 71,954	1,917,990	785,984	26,090	$ (44,422)
Balance at beginning of period (in shares) at Dec. 31, 2021		72,017,126				(2,407,898)
Balance at beginning of period at Dec. 31, 2021	2,966,451	$ 72,017	1,924,813	1,006,436	15,590	$ (52,405)
Issuance of restricted shares (in shares)		145,393
Issuance of restricted shares	1,341	$ 145	1,196
Proceeds from exercise of stock options (in shares)		49,803
Proceeds from exercise of stock options	1,445	$ 50	1,395
Share-based compensation	1,298		1,298
Purchase of treasury shares (in shares)						365,340
Purchase of treasury shares	(17,234)					$ (17,234)
Net income	81,698			81,698
Dividends on common stock shares	(10,409)			(10,409)
Other comprehensive income (loss) during the period	(17,431)				(17,431)
Balance at end of period (in shares) at Mar. 31, 2022		72,212,322				(2,773,238)
Balance at end of period at Mar. 31, 2022	$ 3,007,159	$ 72,212	$ 1,928,702	$ 1,077,725	$ (1,841)	$ (69,639)

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders’ Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Dividends on common share (in dollars per share)	$ 0.15	$ 0.15

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating Activities
Net income	$ 81,698	$ 124,962
Adjustments reconciling net income to net cash provided by (used in) operating activities:
Depreciation	4,553	4,080
Net (gains) losses on sale or disposal of premises and equipment	37	139
Net write-downs on other assets	0	122
Provision for credit losses	6,231	(28,591)
Net write-downs and (gains) losses on sale of other real estate owned	(1,459)	(560)
Share-based compensation expense	1,499	1,753
Amortization of intangible assets	5,181	4,126
Amortization of operating lease right of use assets	2,904	2,979
Provision for deferred taxes	6,435	12,919
Net amortization of investment securities available-for-sale	392	1,121
Net amortization of investment securities held-to-maturity	26	0
Net amortization of other investments	252	0
Net loss on securities	27	12
Accretion of discount on purchased loans, net	(1,006)	(6,127)
Net amortization on other borrowings	108	112
Amortization of subordinated deferrable interest debentures	499	488
Loan servicing asset impairment (recovery)	(9,654)	(10,639)
Originations of mortgage loans held for sale	(1,220,771)	(2,340,847)
Payments received on mortgage loans held for sale	10,505	10,680
Proceeds from sales of mortgage loans held for sale	1,464,735	1,816,503
Net (gains) losses on sale of mortgage loans held for sale	22,792	(41,720)
Originations of SBA loans	(14,042)	(11,976)
Proceeds from sales of SBA loans	20,461	12,518
Net gains on sale of SBA loans	(2,325)	(1,192)
Increase in cash surrender value of bank owned life insurance	(1,768)	(814)
Gain on bank owned life insurance proceeds	0	(603)
Net gains on other loans held for sale	0	(457)
Change attributable to other operating activities	(16,887)	(13,597)
Net cash provided by (used in) operating activities	360,423	(464,609)
Investing Activities, net of effects of business combinations
Purchases of securities available-for-sale	(15,667)	0
Purchases of investment securities held-to-maturity	(12,036)	0
Proceeds from maturities and paydowns of securities available-for-sale	42,844	112,730
Proceeds from maturities and paydowns of securities held-to-maturity	406	0
Net (increase) decrease in other investments	(2,122)	570
Net increase in loans	(205,189)	(72,093)
Purchases of premises and equipment	(3,550)	(13,809)
Proceeds from sale of premises and equipment	0	930
Proceeds from sales of other real estate owned	3,524	4,048
Proceeds from bank owned life insurance	0	1,309
Payments received on other loans held for sale	0	9,136
Proceeds from sales of other loans held for sale	0	156,803
Net cash and cash equivalents paid in acquisitions	(13,237)	0
Net cash provided by (used in) investing activities	(205,027)	199,624
Financing Activities, net of effects of business combinations
Net increase (decrease) in deposits	(77,112)	918,050
Net decrease in securities sold under agreements to repurchase	(3,780)	(2,321)
Repayment of other borrowings	(314,467)	(36)
Proceeds from exercise of stock options	1,445	3,002
Dividends paid - common stock	(10,445)	(10,432)
Purchase of treasury shares	(17,234)	(1,456)
Net cash provided by (used in) financing activities	(421,593)	906,807
Net increase (decrease) in cash, cash equivalents and restricted cash	(266,197)	641,822
Cash, cash equivalents and restricted cash at beginning of period	4,064,657	2,117,306
Cash, cash equivalents and restricted cash at end of period	3,798,460	2,759,128
Cash paid during the period for:
Interest	9,022	11,335
Income taxes	204	(1)
Loans transferred to other real estate owned	165	449
Loans transferred from loans held for sale to loans held for investment	71,727	48,313
Right-of-use assets obtained in exchange for new operating lease liabilities	1,537	0
Assets acquired in business acquisitions	10,023	0
Liabilities assumed in business acquisitions	(3,214)	0
Change in unrealized gain (loss) on securities available-for-sale, net of tax	(17,431)	(7,415)
Security purchases settled in a subsequent period	$ (36,216)	$ 0

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION AND ACCOUNTING POLICIES	NOTE 1 – BASIS OF PRESENTATION AND ACCOUNTING POLICIES Nature of Business Ameris Bancorp (the “Company” or “Ameris”) is a financial holding company headquartered in Atlanta, Georgia. Ameris conducts substantially all of its operations through its wholly owned banking subsidiary, Ameris Bank (the “Bank”). At March 31, 2022, the Bank operated 165 branches in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. Our business model capitalizes on the efficiencies of a large financial services company, while still providing the community with the personalized banking service expected by our customers. We manage our Bank through a balance of decentralized management responsibilities and efficient centralized operating systems, products and loan underwriting standards. The Company’s Board of Directors and senior managers establish corporate policy, strategy and administrative policies. Within our established guidelines and policies, the banker closest to the customer responds to the differing needs and demands of his or her unique market. Basis of Presentation The accompanying unaudited consolidated financial statements for Ameris have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statement presentation. The interim consolidated financial statements included herein are unaudited but reflect all adjustments, consisting of normal recurring adjustments, which, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the interim periods presented. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the period ended March 31, 2022 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, 2021. In preparing the consolidated financial statements in conformity with GAAP, 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, federal funds sold and restricted cash. Restricted cash held for securitization investors, which are reported on the Company's consolidated balance sheets in cash and due from banks, was $0 and $43.0 million at March 31, 2022 and December 31, 2021, respectively. 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 Pending Adoption ASU No. 2022-02 – Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures ("ASU 2022-02"). ASU 2022-02 eliminates the troubled debt restructuring ("TDR") measurement and recognition guidance and requires that entities evaluate whether the modification represents a new loan or a continuation of an existing loan consistent with the accounting for other loan modifications. Additional disclosures relating to modifications to borrowers experiencing financial difficulty are required under ASU 2022-02. ASU 2022-02 also requires disclosure of current-period gross writeoffs by year of origination. ASU 2022-02 is effective for annual periods beginning after December 15, 2022, including interim periods within those fiscal years. The amendments of ASU 2022-02 should be adopted prospectively. The amendments related to the recognition and measurement of TDRs may optionally be adopted using a modified retrospective transition method. Early adoption is permitted. The Company is currently evaluating the impact on the consolidated financial statements of adopting ASU 2022-02. 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 on the consolidated financial statements of adopting ASU 2021-01. 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 on the consolidated financial statements of adopting ASU 2020-04.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2022
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 gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities available-for-sale Amortized Gross Gross Estimated March 31, 2022 U.S. government sponsored agencies $ 7,067 $ 17 $ (12) $ 7,072 State, county and municipal securities 43,416 727 (299) 43,844 Corporate debt securities 27,897 431 (150) 28,178 SBA pool securities 37,863 15 (929) 36,949 Mortgage-backed securities 465,291 1,733 (3,863) 463,161 Total debt securities available-for-sale $ 581,534 $ 2,923 $ (5,253) $ 579,204 December 31, 2021 U.S. government sponsored agencies $ 7,084 $ 88 $ — $ 7,172 State, county and municipal securities 45,470 2,342 — 47,812 Corporate debt securities 27,897 719 (120) 28,496 SBA pool securities 44,312 958 (69) 45,201 Mortgage-backed securities 448,124 15,822 (6) 463,940 Total debt securities available-for-sale $ 572,887 $ 19,929 $ (195) $ 592,621 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 March 31, 2022 State, county and municipal securities $ 13,905 $ — $ (2,227) $ 11,678 Mortgage-backed securities 77,549 — (6,738) 70,811 Total debt securities held-to-maturity $ 91,454 $ — $ (8,965) $ 82,489 December 31, 2021 State, county and municipal securities $ 8,905 $ 4 $ (198) $ 8,711 Mortgage-backed securities 70,945 — (1,450) 69,495 Total debt securities held-to-maturity $ 79,850 $ 4 $ (1,648) $ 78,206 The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of March 31, 2022, 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 $ 11,390 $ 11,446 $ — $ — Due from one year to five years 26,183 26,201 — — Due from five to ten years 43,452 44,052 — — Due after ten years 35,218 34,344 13,905 11,678 Mortgage-backed securities 465,291 463,161 77,549 70,811 $ 581,534 $ 579,204 $ 91,454 $ 82,489 Securities with a carrying value of approximately $314.2 million and $366.7 million at March 31, 2022 and December 31, 2021, 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 March 31, 2022 and December 31, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2022 U.S. government sponsored agencies $ 1,033 $ (12) $ — $ — $ 1,033 $ (12) State, county and municipal securities 10,209 (299) — — 10,209 (299) Corporate debt securities — — 1,350 (150) 1,350 (150) SBA pool securities 32,988 (871) 2,372 (58) 35,360 (929) Mortgage-backed securities 242,704 (3,863) 1 — 242,705 (3,863) Total debt securities available-for-sale $ 286,934 $ (5,045) $ 3,723 $ (208) $ 290,657 $ (5,253) December 31, 2021 Corporate debt securities $ — $ — $ 1,380 $ (120) $ 1,380 $ (120) SBA pool securities 1,312 (6) 2,572 (63) 3,884 (69) Mortgage-backed securities 5,514 (6) 1 — 5,515 (6) Total debt securities available-for-sale $ 6,826 $ (12) $ 3,953 $ (183) $ 10,779 $ (195) As of March 31, 2022, the Company’s available-for-sale security portfolio consisted of 426 securities, 219 of which were in an unrealized loss position. At March 31, 2022, the Company held 180 mortgage-backed securities that were in an unrealized loss position, all of which were issued by U.S. government-sponsored entities and agencies. At March 31, 2022, the Company held 30 U.S. Small Business Administration (“SBA”) pool securities, six state, county and municipal securities, two corporate securities and one U.S. government sponsored agency security 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 March 31, 2022: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2022 State, county and municipal securities $ 11,678 $ (2,227) $ — $ — $ 11,678 $ (2,227) Mortgage-backed securities 63,775 (6,738) — — 63,775 (6,738) Total debt securities held-to-maturity $ 75,453 $ (8,965) $ — $ — $ 75,453 $ (8,965) December 31, 2021 State, county and municipal securities $ 3,707 $ (198) $ — $ — $ 3,707 $ (198) Mortgage-backed securities 69,495 (1,450) — — 69,495 (1,450) Total debt securities held-to-maturity $ 73,202 $ (1,648) $ — $ — $ 73,202 $ (1,648) As of March 31, 2022, the Company’s held-to-maturity security portfolio consisted of 16 securities, 15 of which were in an unrealized loss position. At March 31, 2022, the Company held 11 mortgage-backed securities and four state, county and municipal securities that were in an unrealized loss position. During 2022 and 2021, the Company received timely and current interest and principal payments on all of the securities classified as corporate debt securities. The Company’s investments in subordinated debt include investments in regional and super-regional banks on which the Company prepares regular analysis through review of financial information and credit ratings. Investments in preferred securities are also concentrated in the preferred obligations of regional and super-regional banks through non-pooled investment structures. The Company did not have investments in “pooled” trust preferred securities at March 31, 2022 or December 31, 2021. At March 31, 2022 and December 31, 2021, 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 March 31, 2022, and it is more likely than not that the Company will not be required to sell these securities prior to recovery or maturity. Based on the results of management's review, at March 31, 2022, management determined that none were attributable to credit impairment and no allowance for credit losses was recorded. The $5.3 million in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended March 31, Allowance for credit losses 2022 2021 Beginning balance $ — $ 112 Provision for expected credit losses — (11) Ending balance $ — $ 101 The Company's held-to-maturity securities have no expected credit losses, and no related allowance for credit losses has been established. Total net loss on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Unrealized holding losses on equity securities $ (27) $ (12) Net loss on securities $ (27) $ (12)

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2022
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) March 31, 2022 December 31, 2021 Commercial, financial and agricultural $ 1,836,663 $ 1,875,993 Consumer installment 173,642 191,298 Indirect automobile 214,120 265,779 Mortgage warehouse 732,375 787,837 Municipal 547,926 572,701 Premium finance 819,163 798,409 Real estate – construction and development 1,577,215 1,452,339 Real estate – commercial and farmland 6,924,475 6,834,917 Real estate – residential 3,318,222 3,094,985 $ 16,143,801 $ 15,874,258 Accrued interest receivable on loans is reported in other assets on the consolidated balance sheets totaling $50.6 million and $54.8 million at March 31, 2022 and December 31, 2021, respectively. The Company recorded an allowance for credit losses of $170,000 and $214,000 related to deferred interest on loans modified under its Disaster Relief Program at March 31, 2022 and December 31, 2021, respectively. Nonaccrual and Past-Due Loans A loan is placed on nonaccrual status when, in management’s judgment, the collection of the interest income appears doubtful. Interest receivable that has been accrued and is subsequently determined to have doubtful collectability is charged to interest income. Interest on loans that are classified as nonaccrual is subsequently applied to principal until the loans are returned to accrual status. The Company’s loan policy states that a nonaccrual loan may be returned to accrual status when (i) none of its principal and interest is due and unpaid, and the Company expects repayment of the remaining contractual principal and interest, or (ii) it otherwise becomes well secured and in the process of collection. Restoration to accrual status on any given loan must be supported by a well-documented credit evaluation of the borrower’s financial condition and the prospects for full repayment, approved by the Company’s Chief Credit Officer. Past-due loans are loans whose principal or interest is past due 30 days or more. In some cases, where borrowers are experiencing financial difficulties, loans may be restructured to provide terms significantly different from the original contractual terms. The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) March 31, 2022 December 31, 2021 Commercial, financial and agricultural $ 13,198 $ 14,214 Consumer installment 561 476 Indirect automobile 706 947 Real estate – construction and development 847 492 Real estate – commercial and farmland 10,891 15,365 Real estate – residential 76,394 53,772 $ 102,597 $ 85,266 There was no interest income recognized on nonaccrual loans during the three months ended March 31, 2022 and 2021. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) March 31, 2022 December 31, 2021 Commercial, financial and agricultural $ — $ 164 Premium finance 289 — Real estate – construction and development 304 209 Real estate – commercial and farmland 3,553 2,061 Real estate – residential 4,785 7,942 $ 8,931 $ 10,376 The following table presents an analysis of past-due loans as of March 31, 2022 and December 31, 2021: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 March 31, 2022 Commercial, financial and agricultural $ 5,422 $ 1,708 $ 11,500 $ 18,630 $ 1,818,033 $ 1,836,663 $ 1,153 Consumer installment 1,555 555 791 2,901 170,741 173,642 412 Indirect automobile 502 137 462 1,101 213,019 214,120 — Mortgage warehouse — — — — 732,375 732,375 — Municipal — — — — 547,926 547,926 — Premium finance 5,872 4,620 4,728 15,220 803,943 819,163 4,727 Real estate – construction and development 26,729 468 972 28,169 1,549,046 1,577,215 287 Real estate – commercial and farmland 5,772 3,080 3,383 12,235 6,912,240 6,924,475 4 Real estate – residential 26,603 8,045 66,709 101,357 3,216,865 3,318,222 — Total $ 72,455 $ 18,613 $ 88,545 $ 179,613 $ 15,964,188 $ 16,143,801 $ 6,583 December 31, 2021 Commercial, financial and agricultural $ 3,431 $ 2,005 $ 12,017 $ 17,453 $ 1,858,540 $ 1,875,993 $ 1,165 Consumer installment 1,786 871 891 3,548 187,750 191,298 584 Indirect automobile 772 185 473 1,430 264,349 265,779 — Mortgage warehouse — — — — 787,837 787,837 — Municipal — — — — 572,701 572,701 — Premium finance 6,992 4,340 9,134 20,466 777,943 798,409 9,134 Real estate – construction and development 16,601 1,398 2,190 20,189 1,432,150 1,452,339 1,758 Real estate – commercial and farmland 6,713 1,150 5,924 13,787 6,821,130 6,834,917 7 Real estate – residential 17,729 4,266 49,839 71,834 3,023,151 3,094,985 — Total $ 54,024 $ 14,215 $ 80,468 $ 148,707 $ 15,725,551 $ 15,874,258 $ 12,648 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: March 31, 2022 December 31, 2021 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 2,261 $ 852 $ 2,613 $ 723 Premium finance 289 — 2,989 30 Real estate – construction and development 304 — 1,432 45 Real estate – commercial and farmland 11,466 795 33,332 6,646 Real estate – residential 14,826 1,989 11,712 453 $ 29,146 $ 3,636 $ 52,078 $ 7,897 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: Pass (Grades 1 - 5) – These grades represent acceptable credit risk to the Company based on factors including creditworthiness of the borrower, current performance and nature of the collateral. Other Assets Especially Mentioned (Grade 6) – 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. Substandard (Grade 7) – 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. Doubtful (Grade 8) – 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. Loss (Grade 9) – This grade is assigned to loans which are considered uncollectible and of such little value that their continuance as active assets of the Bank is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing it off. The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of March 31, 2022 and December 31, 2021. 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 March 31, 2022 or December 31, 2021. As of March 31, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 208,664 $ 764,033 $ 240,671 $ 163,163 $ 99,436 $ 70,393 $ 261,941 $ 1,808,301 6 — 167 92 93 156 2,551 541 3,600 7 7,008 1,055 1,245 3,654 1,725 7,043 3,032 24,762 Total commercial, financial and agricultural $ 215,672 $ 765,255 $ 242,008 $ 166,910 $ 101,317 $ 79,987 $ 265,514 $ 1,836,663 Consumer Installment Risk Grade: Pass $ 18,541 $ 21,321 $ 51,632 $ 32,530 $ 24,305 $ 18,621 $ 5,259 $ 172,209 6 — — — — — 133 5 138 7 7 71 133 310 193 446 135 1,295 Total consumer installment $ 18,548 $ 21,392 $ 51,765 $ 32,840 $ 24,498 $ 19,200 $ 5,399 $ 173,642 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ 17,396 $ 86,176 $ 108,956 $ — $ 212,528 6 — — — — 8 25 — 33 7 — — — 52 293 1,214 — 1,559 Total indirect automobile $ — $ — $ — $ 17,448 $ 86,477 $ 110,195 $ — $ 214,120 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 732,375 $ 732,375 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 732,375 $ 732,375 Municipal Risk Grade: Pass $ 2,184 $ 43,031 $ 213,311 $ 13,860 $ 5,119 $ 270,421 $ — $ 547,926 Total municipal $ 2,184 $ 43,031 $ 213,311 $ 13,860 $ 5,119 $ 270,421 $ — $ 547,926 Premium Finance Risk Grade: Pass $ 411,397 $ 402,635 $ 214 $ — $ — $ 189 $ — $ 814,435 7 — 4,728 — — — — — 4,728 Total premium finance $ 411,397 $ 407,363 $ 214 $ — $ — $ 189 $ — $ 819,163 Real Estate – Construction and Development Risk Grade: Pass $ 167,646 $ 863,262 $ 261,650 $ 147,418 $ 16,040 $ 65,629 $ 22,118 $ 1,543,763 6 1,221 9,210 484 — 6,798 1,276 — 18,989 7 — 378 211 7 12,872 995 — 14,463 Total real estate – construction and development $ 168,867 $ 872,850 $ 262,345 $ 147,425 $ 35,710 $ 67,900 $ 22,118 $ 1,577,215 As of March 31, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Real Estate – Commercial and Farmland Risk Grade: Pass $ 439,047 $ 2,079,527 $ 1,203,580 $ 1,074,253 $ 514,681 $ 1,464,276 $ 66,390 $ 6,841,754 6 — — — — 676 22,416 — 23,092 7 — 4,798 2,595 5,587 9,610 37,020 19 59,629 Total real estate – commercial and farmland $ 439,047 $ 2,084,325 $ 1,206,175 $ 1,079,840 $ 524,967 $ 1,523,712 $ 66,409 $ 6,924,475 Real Estate - Residential Risk Grade: Pass $ 284,325 $ 1,205,153 $ 606,135 $ 308,373 $ 136,724 $ 474,015 $ 211,941 $ 3,226,666 6 64 143 65 1,092 495 3,909 48 5,816 7 33 6,629 18,465 24,112 12,197 22,538 1,766 85,740 Total real estate - residential $ 284,422 $ 1,211,925 $ 624,665 $ 333,577 $ 149,416 $ 500,462 $ 213,755 $ 3,318,222 Total Loans Risk Grade: Pass $ 1,531,804 $ 5,378,962 $ 2,577,193 $ 1,756,993 $ 882,481 $ 2,472,500 $ 1,300,024 $ 15,899,957 6 1,285 9,520 641 1,185 8,133 30,310 594 51,668 7 7,048 17,659 22,649 33,722 36,890 69,256 4,952 192,176 Total loans $ 1,540,137 $ 5,406,141 $ 2,600,483 $ 1,791,900 $ 927,504 $ 2,572,066 $ 1,305,570 $ 16,143,801 As of December 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 903,630 $ 279,037 $ 188,810 $ 118,613 $ 50,737 $ 40,376 $ 262,951 $ 1,844,154 6 190 — 393 427 368 1,832 1,961 5,171 7 9,216 1,268 4,098 1,472 2,566 6,019 2,029 26,668 Total commercial, financial and agricultural $ 913,036 $ 280,305 $ 193,301 $ 120,512 $ 53,671 $ 48,227 $ 266,941 $ 1,875,993 Consumer Installment Risk Grade: Pass $ 35,781 $ 59,221 $ 37,195 $ 27,266 $ 9,787 $ 11,021 $ 9,437 $ 189,708 6 — — — — — 135 5 140 7 59 283 290 216 103 405 94 1,450 Total consumer installment $ 35,840 $ 59,504 $ 37,485 $ 27,482 $ 9,890 $ 11,561 $ 9,536 $ 191,298 Indirect Automobile Risk Grade: Pass $ — $ — $ 20,276 $ 101,969 $ 90,294 $ 51,468 $ — $ 264,007 6 — — — 24 10 19 — 53 7 — — 55 234 384 1,046 — 1,719 Total indirect automobile $ — $ — $ 20,331 $ 102,227 $ 90,688 $ 52,533 $ — $ 265,779 As of December 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Municipal Risk Grade: Pass $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Total municipal $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Premium Finance Risk Grade: Pass $ 787,884 $ 1,059 $ 26 $ — $ 302 $ 4 $ — $ 789,275 7 9,039 95 — — — — — 9,134 Total premium finance $ 796,923 $ 1,154 $ 26 $ — $ 302 $ 4 $ — $ 798,409 Real Estate – Construction and Development Risk Grade: Pass $ 826,094 $ 290,814 $ 176,476 $ 35,773 $ 24,533 $ 44,514 $ 21,267 $ 1,419,471 6 6,527 549 — 15,260 — 2,101 — 24,437 7 1,143 678 7 2,476 57 1,011 3,059 8,431 Total real estate – construction and development $ 833,764 $ 292,041 $ 176,483 $ 53,509 $ 24,590 $ 47,626 $ 24,326 $ 1,452,339 Real Estate – Commercial and Farmland Risk Grade: Pass $ 2,186,291 $ 1,205,578 $ 1,119,239 $ 542,295 $ 486,477 $ 1,103,675 $ 80,379 $ 6,723,934 6 416 — 1,036 14,760 5,334 21,665 — 43,211 7 4,709 2,682 11,109 9,076 4,861 35,315 20 67,772 Total real estate – commercial and farmland $ 2,191,416 $ 1,208,260 $ 1,131,384 $ 566,131 $ 496,672 $ 1,160,655 $ 80,399 $ 6,834,917 Real Estate - Residential Risk Grade: Pass $ 1,171,008 $ 638,232 $ 329,247 $ 149,990 $ 108,538 $ 408,240 $ 217,982 $ 3,023,237 6 145 66 1,106 505 356 3,717 49 5,944 7 2,405 10,167 21,239 11,376 4,597 13,970 2,050 65,804 Total real estate - residential $ 1,173,558 $ 648,465 $ 351,592 $ 161,871 $ 113,491 $ 425,927 $ 220,081 $ 3,094,985 Total Loans Risk Grade: Pass $ 5,955,415 $ 2,693,326 $ 1,886,100 $ 981,400 $ 879,708 $ 1,838,522 $ 1,379,853 $ 15,614,324 6 7,278 615 2,535 30,976 6,068 29,469 2,015 78,956 7 26,571 15,173 36,798 24,850 12,568 57,766 7,252 180,978 Total loans $ 5,989,264 $ 2,709,114 $ 1,925,433 $ 1,037,226 $ 898,344 $ 1,925,757 $ 1,389,120 $ 15,874,258 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 three months of 2022 and 2021 totaling $132.0 million and $118.0 million, respectively, under such parameters. As of March 31, 2022 and December 31, 2021, the Company had a balance of $50.0 million and $76.6 million, respectively, in troubled debt restructurings. The Company has recorded $654,000 in previous charge-offs on such loans at each of March 31, 2022 and December 31, 2021. The Company’s balance in the allowance for credit losses allocated to such troubled debt restructurings was $3.4 million and $10.5 million at March 31, 2022 and December 31, 2021, respectively. At March 31, 2022, 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 months ended March 31, 2022 and 2021. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended March 31, 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — 4 $ 463 Premium finance 5 162 — — Real estate – commercial and farmland — — 2 7,658 Real estate – residential 3 977 5 572 Total 8 $ 1,139 11 $ 8,693 The following table presents the outstanding balance of troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three months ended March 31, 2022 and 2021. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended March 31, 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — 3 $ 56 Consumer installment 1 3 5 6 Indirect automobile 14 49 16 94 Real estate – construction and development — — 1 1 Real estate – commercial and farmland 2 1,569 2 5,193 Real estate – residential 18 2,793 11 809 Total 35 $ 4,414 38 $ 6,159 The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at March 31, 2022 and December 31, 2021: March 31, 2022 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 868 4 $ 72 Consumer installment 6 13 16 31 Indirect automobile 215 893 46 221 Premium finance 5 162 — — Real estate – construction and development 3 725 1 11 Real estate – commercial and farmland 21 17,161 4 788 Real estate – residential 207 24,664 38 4,341 Total 466 $ 44,486 109 $ 5,464 December 31, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 12 $ 1,286 6 $ 83 Consumer installment 7 16 17 35 Indirect automobile 233 1,037 52 273 Real estate – construction and development 4 789 1 13 Real estate – commercial and farmland 25 35,575 5 5,924 Real estate – residential 213 26,879 39 4,678 Total 494 $ 65,582 120 $ 11,006 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 (the “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 the Company can no longer develop reasonable and supportable forecasts. During the three months ended March 31, 2022, the allowance for credit losses decreased due to improvement in forecasted macroeconomic factors. The allowance for credit losses was determined at March 31, 2022 using a weighting of four economic forecasts from Moody's. The Moody's baseline scenario was weighted at 15%, the downside 90th percentile S-3 scenario was weighted at 65%, the slower trend growth scenario was weighted at 10% and the stagflation scenario was weighted at 10%. The allowance for credit losses was determined at December 31, 2021 using a weighting of five economic forecasts from Moody's. The Moody's baseline scenario was weighted at 10%, the downside 75th percentile S-2 scenario was weighted at 10%, the downside 90th percentile S-3 scenario was weighted at 50%, the slower trend growth scenario was weighted at 20% and the stagflation scenario was weighted at 10%. The current forecast reflects, among other things, improvements in forecast levels of home prices, commercial real estate prices and unemployment compared with the forecast at December 31, 2021. The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended March 31, 2022 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2021 $ 26,829 $ 6,097 $ 476 $ 3,231 $ 401 $ 2,729 Provision for loan losses 215 789 (290) (221) (17) (92) Loans charged off (4,414) (1,425) (88) — — (1,369) Recoveries of loans previously charged off 2,896 158 275 — — 1,247 Balance, March 31, 2022 $ 25,526 $ 5,619 $ 373 $ 3,010 $ 384 $ 2,515 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2021 $ 22,045 $ 77,831 $ 27,943 $ 167,582 Provision for loan losses 4,568 (9,552) 1,866 (2,734) Loans charged off — (1,283) — (8,579) Recoveries of loans previously charged off 218 37 151 4,982 Balance, March 31, 2022 $ 26,831 $ 67,033 $ 29,960 $ 161,251 Three Months Ended March 31, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2020 $ 7,359 $ 4,076 $ 1,929 $ 3,666 $ 791 $ 3,879 Provision for loan losses 2,575 5,806 (528) (145) (1) 442 Loans charged off (2,370) (1,448) (829) — — (1,343) Recoveries of loans previously charged off 727 356 700 — — 1,122 Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2020 $ 45,304 $ 88,894 $ 43,524 $ 199,422 Provision for loan losses (22,587) 3,671 (5,812) (16,579) Loans charged off (26) (1,395) (163) (7,574) Recoveries of loans previously charged off 167 41 188 3,301 Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	NOTE 4 – SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Company classifies the sales of securities under agreements to repurchase as short-term borrowings. The amounts received under these agreements are reflected as a liability in the Company’s consolidated balance sheets and the securities underlying these agreements are included in investment securities in the Company’s consolidated balance sheets. At March 31, 2022 and December 31, 2021, all securities sold under agreements to repurchase mature on a daily basis. The market value of the securities fluctuates 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 falls below the repurchase agreement price. The Company maintains an unpledged securities portfolio that it believes is sufficient to protect against a decline in the market value of the securities sold under agreements to repurchase. The following is a summary of the Company’s securities sold under agreements to repurchase at March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, 2022 December 31, 2021 Securities sold under agreements to repurchase $ 2,065 $ 5,845 At March 31, 2022 and December 31, 2021 the investment securities underlying these agreements included state, county and municipal securities and mortgage-backed securities.

OTHER BORROWINGS

OTHER BORROWINGS	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
OTHER BORROWINGS	NOTE 5 – OTHER BORROWINGS Other borrowings consist of the following: (dollars in thousands) March 31, 2022 December 31, 2021 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% 1,397 1,400 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 967 969 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,385 1,421 Subordinated notes payable: Subordinated notes payable due June 1, 2026, net of unaccreted purchase accounting fair value adjustment of $— and $500, respectively; fixed interest rate of 5.50% — 50,500 Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $649 and $681, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,351 74,319 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,862 and $1,923, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,138 118,077 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $997 and $1,028, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 75,997 76,028 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,715 and $1,766, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,285 108,234 Securitzation Facilities: Equipment contract backed notes, Series 2018-1 (BCC XIV) due on various dates through 2025 and bear a weighted-average interest rate of 5.11% — 19,199 Equipment contract backed notes, Series 2019-1 (BCC XVI) due on various dates through 2027 and bear a weighted-average interest rate of 2.84% — 139,329 Equipment contract backed notes, Series 2020-1 (BCC XVII) due on various dates through 2027 and bear a weighted-average interest rate of 1.48% — 105,403 $ 425,520 $ 739,879 The advances from the FHLB are collateralized by a blanket lien on all eligible first mortgage loans and other specific loans in addition to FHLB stock. At March 31, 2022, $4.23 billion was available for borrowing on lines with the FHLB. As of March 31, 2022, 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 March 31, 2022, the Bank had $2.80 billion of loans pledged at the Federal Reserve discount window and had $2.18 billion available for borrowing.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2022
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. 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 Accumulated Other Comprehensive Income (Loss) Three Months Ended March 31, 2022 Balance, December 31, 2021 $ 15,590 $ 15,590 Current year changes, net of tax (17,431) (17,431) Balance, March 31, 2022 $ (1,841) $ (1,841) Three Months Ended March 31, 2021 Balance, December 31, 2020 $ 33,505 $ 33,505 Current year changes, net of tax (7,415) (7,415) Balance, March 31, 2021 $ 26,090 $ 26,090

WEIGHTED AVERAGE SHARES OUTSTAN

WEIGHTED AVERAGE SHARES OUTSTANDING	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
WEIGHTED AVERAGE SHARES OUTSTANDING	NOTE 7 – WEIGHTED AVERAGE SHARES OUTSTANDING Earnings per share have been computed based on the following weighted average number of common shares outstanding: Three Months Ended (share data in thousands) 2022 2021 Average common shares outstanding 69,346 69,392 Common share equivalents: Stock options 31 81 Nonvested restricted share grants 167 172 Performance stock units 117 96 Average common shares outstanding, assuming dilution 69,661 69,741

FAIR VALUE MEASURES

FAIR VALUE MEASURES	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
FAIR VALUE MEASURES	NOTE 8 – FAIR VALUE MEASURES The fair value of an asset or liability is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various assets and liabilities. In cases where quoted market prices are not available, fair value is based on discounted cash flows or other valuation techniques. These techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability. The accounting standard for disclosures about the fair value measures excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The Company's loans held for sale under the fair value option are comprised of the following: (dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loans held for sale $ 899,009 $ 1,247,997 SBA loans held for sale 2,541 6,635 Total loans held for sale $ 901,550 $ 1,254,632 The Company has elected to record mortgage loans held for sale at fair value in order to eliminate the complexities and inherent difficulties of achieving hedge accounting and to better align reported results with the underlying economic changes in value of the loans and related hedge instruments. This election impacts the timing and recognition of origination fees and costs, as well as servicing value, which are now recognized in earnings at the time of origination. Interest income on mortgage loans held for sale is recorded on an accrual basis in the consolidated statements of income and comprehensive income under the heading interest income – interest and fees on loans. The servicing value is included in the fair value of the interest rate lock commitments (“IRLCs”) with borrowers. The mark to market adjustments related to mortgage loans held for sale and the associated economic hedges are captured in mortgage banking activities. A net loss of $43.9 million resulting from changes in fair value of these mortgage loans was recorded in income during the three months ended March 31, 2022. For the three months ended March 31, 2021, a net loss of $25.1 million resulting from changes in fair value of these mortgage loans was recorded in income. A net gain of $26.0 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 was recorded in income during the three months ended March 31, 2022. For the three months ended March 31, 2021, a net gain of $27.5 million resulting from changes in the fair value of the related derivative financial instruments was recorded in income. The changes in fair value of both mortgage loans held for sale and the related derivative financial instruments are recorded in mortgage banking activity in the consolidated statements of income and comprehensive income. The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these loans, valuation adjustments attributable to instrument-specific credit risk is nominal. The following table summarizes the difference between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, 2022 December 31, 2021 Aggregate fair value of mortgage loans held for sale $ 899,009 $ 1,247,997 Aggregate unpaid principal balance of mortgage loans held for sale 906,552 1,211,646 Past-due loans of 90 days or more 466 746 Nonaccrual loans 466 746 Unpaid principal balance of nonaccrual loans 475 718 The following table summarizes the difference between the fair value and the principal balance for SBA loans held for sale measured at fair value as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, 2022 December 31, 2021 Aggregate fair value of SBA loans held for sale $ 2,541 $ 6,635 Aggregate unpaid principal balance of SBA loans held for sale 2,427 5,825 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 under the fair value option and derivative financial instruments are recorded at fair value on a recurring basis. From time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as collateral-dependent loans, loan servicing rights and OREO. Additionally, the Company is required to disclose, but not record, the fair value of other financial instruments. The following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall as of March 31, 2022 and December 31, 2021: Recurring Basis March 31, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 7,072 $ — $ 7,072 $ — State, county and municipal securities 43,844 — 43,844 — Corporate debt securities 28,178 — 26,828 1,350 SBA pool securities 36,949 — 36,949 — Mortgage-backed securities 463,161 — 463,161 — Loans held for sale 901,550 — 901,550 — Mortgage banking derivative instruments 37,182 — 37,182 — Total recurring assets at fair value $ 1,517,936 $ — $ 1,516,586 $ 1,350 Recurring Basis December 31, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 7,172 $ — $ 7,172 $ — State, county and municipal securities 47,812 — 47,812 — Corporate debt securities 28,496 — 27,116 1,380 SBA pool securities 45,201 — 45,201 — Mortgage-backed securities 463,940 — 463,940 — Loans held for sale 1,254,632 — 1,254,632 — Mortgage banking derivative instruments 11,940 — 11,940 — Total recurring assets at fair value $ 1,859,193 $ — $ 1,857,813 $ 1,380 Financial liabilities: Mortgage banking derivative instruments $ 710 $ — $ 710 $ — Total recurring liabilities at fair value $ 710 $ — $ 710 $ — The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy as of March 31, 2022 and December 31, 2021: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 March 31, 2022 Collateral-dependent loans $ 25,510 $ — $ — $ 25,510 Other real estate owned 399 — — 399 Mortgage servicing rights 232,236 — — 232,236 Total nonrecurring assets at fair value $ 258,145 $ — $ — $ 258,145 December 31, 2021 Collateral-dependent loans $ 44,181 $ — $ — $ 44,181 Mortgage servicing rights 206,944 — — 206,944 Total nonrecurring assets at fair value $ 251,125 $ — $ — $ 251,125 The inputs used to determine estimated fair value of collateral-dependent loans include market conditions, loan term, underlying collateral characteristics and discount rates. The inputs used to determine fair value of OREO include market conditions, estimated marketing period or holding period, underlying collateral characteristics and discount rates. For the three months ended March 31, 2022 and the year ended December 31, 2021, there was not a change in the methods and significant assumptions used to estimate fair value. The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets: (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted March 31, 2022 Recurring: Debt securities available-for-sale $ 1,350 Discounted par values Discount rate 10.0% 10.0% Nonrecurring: Collateral-dependent loans $ 25,510 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 34% Other real estate owned $ 399 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 47% 21% Mortgage servicing rights $ 232,236 Discounted cash flows Discount rate 10% - 11% 10% Prepayment speed 5% - 23% 8% December 31, 2021 Recurring: Debt securities available-for-sale $ 1,380 Discounted par values Discount Rate 8.0% 8.0% Nonrecurring: Collateral-dependent loans $ 44,181 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 39% Mortgage servicing rights $ 206,944 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 10% - 40% 13% The carrying amount and estimated fair value of the Company’s financial instruments, not shown elsewhere in these financial statements, were as follows: Fair Value Measurements March 31, 2022 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 257,316 $ 257,316 $ — $ — $ 257,316 Federal funds sold and interest-bearing accounts 3,541,144 3,541,144 — — 3,541,144 Debt securities held-to-maturity 91,454 — 82,489 — 82,489 Loans, net 15,957,040 — — 15,927,461 15,927,461 Accrued interest receivable 53,036 — 2,598 50,438 53,036 Financial liabilities: Deposits 19,588,441 — 19,590,158 — 19,590,158 Securities sold under agreements to repurchase 2,065 2,065 — — 2,065 Other borrowings 425,520 — 431,131 — 431,131 Subordinated deferrable interest debentures 126,827 — 117,196 — 117,196 Accrued interest payable 6,121 — 6,121 — 6,121 Fair Value Measurements December 31, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 307,813 $ 307,813 $ — $ — $ 307,813 Federal funds sold and interest-bearing accounts 3,756,844 3,756,844 — — 3,756,844 Debt securities held-to-maturity 79,850 — 78,206 — 78,206 Loans, net 15,662,495 — — 15,509,410 15,509,410 Accrued interest receivable 56,917 — 2,373 54,544 56,917 Financial liabilities: Deposits 19,665,553 — 19,667,612 — 19,667,612 Securities sold under agreements to repurchase 5,845 5,845 — — 5,845 Other borrowings 739,879 — 760,829 — 760,829 Subordinated deferrable interest debentures 126,328 — 117,764 — 117,764 Accrued interest payable 4,313 — 4,313 — 4,313

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 9 – COMMITMENTS AND CONTINGENCIES Loan Commitments The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. They involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the Company’s balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. A summary of the Company’s commitments is as follows: (dollars in thousands) March 31, 2022 December 31, 2021 Commitments to extend credit $ 4,817,539 $ 4,328,749 Unused home equity lines of credit 284,144 272,029 Financial standby letters of credit 31,440 36,184 Mortgage interest rate lock commitments 520,939 417,126 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. These commitments, predominantly at variable interest rates, generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Collateral is required in instances which the Company deems necessary. The Company has not been required to perform on any material financial standby letters of credit and the Company has not incurred any losses on financial standby letters of credit for the three months ended March 31, 2022 and the year ended December 31, 2021. The Company maintains an allowance for credit losses on unfunded commitments which is recorded in other liabilities on the consolidated balance sheets. The following table presents activity in the allowance for unfunded commitments for the periods presented: Three Months Ended March 31, (dollars in thousands) 2022 2021 Balance at beginning of period $ 33,185 $ 32,854 Provision for unfunded commitments 9,009 (11,839) Balance at end of period $ 42,194 $ 21,015 Other Commitments As of March 31, 2022, letters of credit issued by the FHLB totaling $420.0 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 and unprecedented economic dislocation in the United States. As a result of the pandemic, many commercial customers experienced varying levels of disruptions or restrictions on their business activities, and many consumers experienced 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 remains 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 pandemic, including the passage of the CARES Act and subsequent legislation, but

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
SEGMENT REPORTING	NOTE 10 – SEGMENT REPORTING The Company has the following five reportable segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division and Premium Finance Division. The Banking Division derives its revenues from the delivery of full-service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division derives its revenues from the origination, sales and servicing of one-to-four family residential mortgage loans. The Warehouse Lending Division derives its revenues from the origination and servicing of warehouse lines to other businesses that are secured by underlying one-to-four family residential mortgage loans. The SBA Division derives its revenues from the origination, sales and servicing of SBA loans. The Premium Finance Division derives its revenues from the origination and servicing of commercial insurance premium finance loans. The Banking, Retail Mortgage, Warehouse Lending, SBA and Premium Finance Divisions are managed as separate business units because of the different products and services they provide. The Company evaluates performance and allocates resources based on profit or loss from operations. There are no material intersegment sales or transfers. The following tables present selected financial information with respect to the Company’s reportable business segments for the three months ended March 31, 2022 and 2021: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 129,290 $ 32,832 $ 6,813 $ 6,780 $ 7,659 $ 183,374 Interest expense (4,455) 13,537 366 769 613 10,830 Net interest income 133,745 19,295 6,447 6,011 7,046 172,544 Provision for credit losses 5,226 1,587 (222) (143) (217) 6,231 Noninterest income 21,364 61,649 1,401 2,491 6 86,911 Noninterest expense Salaries and employee benefits 49,195 31,614 283 1,271 1,918 84,281 Occupancy and equipment 11,074 1,471 1 99 82 12,727 Data processing and communications expenses 11,230 1,172 47 28 95 12,572 Other expenses 20,045 12,645 218 380 952 34,240 Total noninterest expense 91,544 46,902 549 1,778 3,047 143,820 Income before income tax expense 58,339 32,455 7,521 6,867 4,222 109,404 Income tax expense 16,996 6,815 1,579 1,442 874 27,706 Net income $ 41,343 $ 25,640 $ 5,942 $ 5,425 $ 3,348 $ 81,698 Total assets $ 17,409,973 $ 4,197,613 $ 703,558 $ 313,219 $ 935,929 $ 23,560,292 Goodwill 957,847 — — — 64,498 1,022,345 Other intangible assets, net 109,604 — — — 11,153 120,757 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 112,379 $ 30,199 $ 10,327 $ 18,034 $ 7,011 $ 177,950 Interest expense (437) 11,215 421 1,399 375 12,973 Net interest income 112,816 18,984 9,906 16,635 6,636 164,977 Provision for credit losses (23,904) (4,553) (145) (547) 558 (28,591) Noninterest income 16,738 97,640 980 2,611 4 117,973 Noninterest expense Salaries and employee benefits 42,723 49,838 330 1,382 1,712 95,985 Occupancy and equipment 10,120 1,476 1 106 78 11,781 Data processing and communications expenses 10,201 1,546 49 1 87 11,884 Other expenses 19,710 8,189 33 295 921 29,148 Total noninterest expense 82,754 61,049 413 1,784 2,798 148,798 Income (loss) before income tax expense 70,704 60,128 10,618 18,009 3,284 162,743 Income tax expense (benefit) 18,456 12,627 2,230 3,782 686 37,781 Net income (loss) $ 52,248 $ 47,501 $ 8,388 $ 14,227 $ 2,598 $ 124,962 Total assets $ 14,591,933 $ 4,086,210 $ 886,004 $ 1,055,068 $ 807,912 $ 21,427,127 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 53,745 — — — 14,103 67,848

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2022
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	NOTE 11 – LOAN SERVICING RIGHTS The Company sells certain residential mortgage loans and SBA loans to third parties. All such transfers are accounted for as sales and the continuing involvement in the loans sold is limited to certain servicing responsibilities. The Company has also acquired portfolios of residential mortgage, SBA and indirect automobile loans serviced for others. Loan servicing rights are initially recorded at fair value and subsequently recorded at the lower of cost or fair value and are amortized over the remaining service life of the loans, with consideration given to prepayment assumptions. Loan servicing rights are recorded in other assets on the consolidated balance sheets. The carrying value of the loan servicing rights assets is shown in the table below: (dollars in thousands) March 31, 2022 December 31, 2021 Loan Servicing Rights Residential mortgage $ 232,236 $ 206,944 SBA 5,384 5,556 Total loan servicing rights $ 237,620 $ 212,500 Residential Mortgage Loans The Company sells certain first-lien residential mortgage loans to third party investors, primarily the Federal National Mortgage Association (“FNMA”), the Government National Mortgage Association (“GNMA”) and the Federal Home Loan Mortgage Corporation (“FHLMC”). The Company retains the related mortgage servicing rights (“MSRs”) and receives servicing fees on certain of these loans. The net gain on loan sales, MSRs amortization and recoveries/impairment, and ongoing servicing fees on the portfolio of loans serviced for others are recorded in the consolidated statements of income and comprehensive income as part of mortgage banking activity. During the three-months ended March 31, 2022, the Company recorded servicing fee income of $17.1 million. During the three-months ended March 31, 2021, the Company recorded servicing fee income of $10.1 million. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period. The table below is an analysis of the activity in the Company’s MSRs and valuation allowance: (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing rights 2022 2021 Beginning carrying value, net $ 206,944 $ 130,630 Additions 21,701 21,867 Amortization (6,062) (7,484) Recoveries 9,653 9,733 Ending carrying value, net $ 232,236 $ 154,746 (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing valuation allowance 2022 2021 Beginning balance $ 25,782 $ 39,407 Recoveries (9,653) (9,733) Ending balance $ 16,129 $ 29,674 The key metrics and the sensitivity of the fair value to adverse changes in model inputs and/or assumptions are summarized below: (dollars in thousands) March 31, 2022 December 31, 2021 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 17,534,847 $ 16,786,442 Composition of residential loans serviced for others: FHLMC 21.85 % 21.88 % FNMA 60.44 % 60.26 % GNMA 17.71 % 17.86 % Total 100.00 % 100.00 % Weighted average term (months) 342 341 Weighted average age (months) 21 20 Modeled prepayment speed 8.35 % 12.96 % Decline in fair value due to a 10% adverse change (8,521) (8,368) Decline in fair value due to a 20% adverse change (16,149) (16,157) Weighted average discount rate 9.77 % 8.77 % Decline in fair value due to a 10% adverse change (10,222) (6,984) Decline in fair value due to a 20% adverse change (19,270) (13,504) 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 a 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, a change in another factor may magnify or counteract the effect of the change in the first. SBA Loans All sales of SBA loans, consisting of the guaranteed portion, are executed on a servicing retained basis. These loans, which are partially guaranteed by the SBA, are generally secured by business property such as real estate, inventory, equipment and accounts receivable. The net gain on SBA loan sales, amortization and impairment/recoveries of servicing rights, and ongoing servicing fees are recorded in the consolidated statements of income and comprehensive income as part of other noninterest income. During the three-months ended March 31, 2022, the Company recorded servicing fee income of $876,000. During the three-months ended March 31, 2021, the Company recorded servicing fee income of $1.0 million. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period. The table below is an analysis of the activity in the Company’s SBA loan servicing rights and valuation allowance: (dollars in thousands) Three Months Ended March 31, SBA servicing rights 2022 2021 Beginning carrying value, net $ 5,556 $ 5,839 Additions 538 230 Amortization (710) (529) Recoveries — 905 Ending carrying value, net $ 5,384 $ 6,445 (dollars in thousands) Three Months Ended March 31, SBA servicing valuation allowance 2022 2021 Beginning balance $ — $ 905 Recoveries — (905) Ending balance $ — $ — (dollars in thousands) March 31, 2022 December 31, 2021 SBA servicing rights Unpaid principal balance of loans serviced for others $ 407,006 $ 410,167 Weighted average life (in years) 3.67 3.65 Modeled prepayment speed 17.54 % 17.68 % Decline in fair value due to a 10% adverse change (316) (291) Decline in fair value due to a 20% adverse change (602) (557) Weighted average discount rate 10.19 % 11.92 % Decline in fair value due to a 100 basis point adverse change (159) (144) Decline in fair value due to a 200 basis point adverse change (310) (282) 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 a 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, a change in another factor may magnify or counteract the effect of the change in the first. 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 March 31, Indirect automobile servicing rights 2022 2021 Beginning carrying value, net $ — $ 73 Amortization — (44) Ending carrying value, net $ — $ 29

BASIS OF PRESENTATION AND ACC_2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Nature of Business Ameris Bancorp (the “Company” or “Ameris”) is a financial holding company headquartered in Atlanta, Georgia. Ameris conducts substantially all of its operations through its wholly owned banking subsidiary, Ameris Bank (the “Bank”). At March 31, 2022, the Bank operated 165 branches in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. Our business model capitalizes on the efficiencies of a large financial services company, while still providing the community with the personalized banking service expected by our customers. We manage our Bank through a balance of decentralized management responsibilities and efficient centralized operating systems, products and loan underwriting standards. The Company’s Board of Directors and senior managers establish corporate policy, strategy and administrative policies. Within our established guidelines and policies, the banker closest to the customer responds to the differing needs and demands of his or her unique market.
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements for Ameris have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statement presentation. The interim consolidated financial statements included herein are unaudited but reflect all adjustments, consisting of normal recurring adjustments, which, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the interim periods presented. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the period ended March 31, 2022 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, 2021. In preparing the consolidated financial statements in conformity with GAAP, 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, federal funds sold and restricted cash. Restricted cash held for securitization investors, which are reported on the Company's consolidated balance sheets in cash and due from banks, was $0 and $43.0 million at March 31, 2022 and December 31, 2021, respectively.
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 Pending Adoption ASU No. 2022-02 – Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures ("ASU 2022-02"). ASU 2022-02 eliminates the troubled debt restructuring ("TDR") measurement and recognition guidance and requires that entities evaluate whether the modification represents a new loan or a continuation of an existing loan consistent with the accounting for other loan modifications. Additional disclosures relating to modifications to borrowers experiencing financial difficulty are required under ASU 2022-02. ASU 2022-02 also requires disclosure of current-period gross writeoffs by year of origination. ASU 2022-02 is effective for annual periods beginning after December 15, 2022, including interim periods within those fiscal years. The amendments of ASU 2022-02 should be adopted prospectively. The amendments related to the recognition and measurement of TDRs may optionally be adopted using a modified retrospective transition method. Early adoption is permitted. The Company is currently evaluating the impact on the consolidated financial statements of adopting ASU 2022-02. 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 on the consolidated financial statements of adopting ASU 2021-01. 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 on the consolidated financial statements of adopting ASU 2020-04.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2022
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 gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities available-for-sale Amortized Gross Gross Estimated March 31, 2022 U.S. government sponsored agencies $ 7,067 $ 17 $ (12) $ 7,072 State, county and municipal securities 43,416 727 (299) 43,844 Corporate debt securities 27,897 431 (150) 28,178 SBA pool securities 37,863 15 (929) 36,949 Mortgage-backed securities 465,291 1,733 (3,863) 463,161 Total debt securities available-for-sale $ 581,534 $ 2,923 $ (5,253) $ 579,204 December 31, 2021 U.S. government sponsored agencies $ 7,084 $ 88 $ — $ 7,172 State, county and municipal securities 45,470 2,342 — 47,812 Corporate debt securities 27,897 719 (120) 28,496 SBA pool securities 44,312 958 (69) 45,201 Mortgage-backed securities 448,124 15,822 (6) 463,940 Total debt securities available-for-sale $ 572,887 $ 19,929 $ (195) $ 592,621
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 March 31, 2022 State, county and municipal securities $ 13,905 $ — $ (2,227) $ 11,678 Mortgage-backed securities 77,549 — (6,738) 70,811 Total debt securities held-to-maturity $ 91,454 $ — $ (8,965) $ 82,489 December 31, 2021 State, county and municipal securities $ 8,905 $ 4 $ (198) $ 8,711 Mortgage-backed securities 70,945 — (1,450) 69,495 Total debt securities held-to-maturity $ 79,850 $ 4 $ (1,648) $ 78,206
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 March 31, 2022, 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 $ 11,390 $ 11,446 $ — $ — Due from one year to five years 26,183 26,201 — — Due from five to ten years 43,452 44,052 — — Due after ten years 35,218 34,344 13,905 11,678 Mortgage-backed securities 465,291 463,161 77,549 70,811 $ 581,534 $ 579,204 $ 91,454 $ 82,489
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 March 31, 2022 and December 31, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2022 U.S. government sponsored agencies $ 1,033 $ (12) $ — $ — $ 1,033 $ (12) State, county and municipal securities 10,209 (299) — — 10,209 (299) Corporate debt securities — — 1,350 (150) 1,350 (150) SBA pool securities 32,988 (871) 2,372 (58) 35,360 (929) Mortgage-backed securities 242,704 (3,863) 1 — 242,705 (3,863) Total debt securities available-for-sale $ 286,934 $ (5,045) $ 3,723 $ (208) $ 290,657 $ (5,253) December 31, 2021 Corporate debt securities $ — $ — $ 1,380 $ (120) $ 1,380 $ (120) SBA pool securities 1,312 (6) 2,572 (63) 3,884 (69) Mortgage-backed securities 5,514 (6) 1 — 5,515 (6) Total debt securities available-for-sale $ 6,826 $ (12) $ 3,953 $ (183) $ 10,779 $ (195)
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 March 31, 2022: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2022 State, county and municipal securities $ 11,678 $ (2,227) $ — $ — $ 11,678 $ (2,227) Mortgage-backed securities 63,775 (6,738) — — 63,775 (6,738) Total debt securities held-to-maturity $ 75,453 $ (8,965) $ — $ — $ 75,453 $ (8,965) December 31, 2021 State, county and municipal securities $ 3,707 $ (198) $ — $ — $ 3,707 $ (198) Mortgage-backed securities 69,495 (1,450) — — 69,495 (1,450) Total debt securities held-to-maturity $ 73,202 $ (1,648) $ — $ — $ 73,202 $ (1,648)
Schedule of Investments Available-for-sale, Allowance for Credit Loss	The $5.3 million in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended March 31, Allowance for credit losses 2022 2021 Beginning balance $ — $ 112 Provision for expected credit losses — (11) Ending balance $ — $ 101
Schedule of Gain (Loss) on Investments	Total net loss on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Unrealized holding losses on equity securities $ (27) $ (12) Net loss on securities $ (27) $ (12)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Schedule of Accounts Notes Loans and Financial Receivables	Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table: (dollars in thousands) March 31, 2022 December 31, 2021 Commercial, financial and agricultural $ 1,836,663 $ 1,875,993 Consumer installment 173,642 191,298 Indirect automobile 214,120 265,779 Mortgage warehouse 732,375 787,837 Municipal 547,926 572,701 Premium finance 819,163 798,409 Real estate – construction and development 1,577,215 1,452,339 Real estate – commercial and farmland 6,924,475 6,834,917 Real estate – residential 3,318,222 3,094,985 $ 16,143,801 $ 15,874,258
Summary of Financial Receivable Nonaccrual Basis	The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) March 31, 2022 December 31, 2021 Commercial, financial and agricultural $ 13,198 $ 14,214 Consumer installment 561 476 Indirect automobile 706 947 Real estate – construction and development 847 492 Real estate – commercial and farmland 10,891 15,365 Real estate – residential 76,394 53,772 $ 102,597 $ 85,266 The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) March 31, 2022 December 31, 2021 Commercial, financial and agricultural $ — $ 164 Premium finance 289 — Real estate – construction and development 304 209 Real estate – commercial and farmland 3,553 2,061 Real estate – residential 4,785 7,942 $ 8,931 $ 10,376
Summary of Past Due Financial Receivables	The following table presents an analysis of past-due loans as of March 31, 2022 and December 31, 2021: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 March 31, 2022 Commercial, financial and agricultural $ 5,422 $ 1,708 $ 11,500 $ 18,630 $ 1,818,033 $ 1,836,663 $ 1,153 Consumer installment 1,555 555 791 2,901 170,741 173,642 412 Indirect automobile 502 137 462 1,101 213,019 214,120 — Mortgage warehouse — — — — 732,375 732,375 — Municipal — — — — 547,926 547,926 — Premium finance 5,872 4,620 4,728 15,220 803,943 819,163 4,727 Real estate – construction and development 26,729 468 972 28,169 1,549,046 1,577,215 287 Real estate – commercial and farmland 5,772 3,080 3,383 12,235 6,912,240 6,924,475 4 Real estate – residential 26,603 8,045 66,709 101,357 3,216,865 3,318,222 — Total $ 72,455 $ 18,613 $ 88,545 $ 179,613 $ 15,964,188 $ 16,143,801 $ 6,583 December 31, 2021 Commercial, financial and agricultural $ 3,431 $ 2,005 $ 12,017 $ 17,453 $ 1,858,540 $ 1,875,993 $ 1,165 Consumer installment 1,786 871 891 3,548 187,750 191,298 584 Indirect automobile 772 185 473 1,430 264,349 265,779 — Mortgage warehouse — — — — 787,837 787,837 — Municipal — — — — 572,701 572,701 — Premium finance 6,992 4,340 9,134 20,466 777,943 798,409 9,134 Real estate – construction and development 16,601 1,398 2,190 20,189 1,432,150 1,452,339 1,758 Real estate – commercial and farmland 6,713 1,150 5,924 13,787 6,821,130 6,834,917 7 Real estate – residential 17,729 4,266 49,839 71,834 3,023,151 3,094,985 — Total $ 54,024 $ 14,215 $ 80,468 $ 148,707 $ 15,725,551 $ 15,874,258 $ 12,648
Summary of Impaired Financial Receivables	The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: March 31, 2022 December 31, 2021 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 2,261 $ 852 $ 2,613 $ 723 Premium finance 289 — 2,989 30 Real estate – construction and development 304 — 1,432 45 Real estate – commercial and farmland 11,466 795 33,332 6,646 Real estate – residential 14,826 1,989 11,712 453 $ 29,146 $ 3,636 $ 52,078 $ 7,897
Summary of Credit Quality Indicate Financial Receivable	The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of March 31, 2022 and December 31, 2021. 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 March 31, 2022 or December 31, 2021. As of March 31, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 208,664 $ 764,033 $ 240,671 $ 163,163 $ 99,436 $ 70,393 $ 261,941 $ 1,808,301 6 — 167 92 93 156 2,551 541 3,600 7 7,008 1,055 1,245 3,654 1,725 7,043 3,032 24,762 Total commercial, financial and agricultural $ 215,672 $ 765,255 $ 242,008 $ 166,910 $ 101,317 $ 79,987 $ 265,514 $ 1,836,663 Consumer Installment Risk Grade: Pass $ 18,541 $ 21,321 $ 51,632 $ 32,530 $ 24,305 $ 18,621 $ 5,259 $ 172,209 6 — — — — — 133 5 138 7 7 71 133 310 193 446 135 1,295 Total consumer installment $ 18,548 $ 21,392 $ 51,765 $ 32,840 $ 24,498 $ 19,200 $ 5,399 $ 173,642 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ 17,396 $ 86,176 $ 108,956 $ — $ 212,528 6 — — — — 8 25 — 33 7 — — — 52 293 1,214 — 1,559 Total indirect automobile $ — $ — $ — $ 17,448 $ 86,477 $ 110,195 $ — $ 214,120 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 732,375 $ 732,375 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 732,375 $ 732,375 Municipal Risk Grade: Pass $ 2,184 $ 43,031 $ 213,311 $ 13,860 $ 5,119 $ 270,421 $ — $ 547,926 Total municipal $ 2,184 $ 43,031 $ 213,311 $ 13,860 $ 5,119 $ 270,421 $ — $ 547,926 Premium Finance Risk Grade: Pass $ 411,397 $ 402,635 $ 214 $ — $ — $ 189 $ — $ 814,435 7 — 4,728 — — — — — 4,728 Total premium finance $ 411,397 $ 407,363 $ 214 $ — $ — $ 189 $ — $ 819,163 Real Estate – Construction and Development Risk Grade: Pass $ 167,646 $ 863,262 $ 261,650 $ 147,418 $ 16,040 $ 65,629 $ 22,118 $ 1,543,763 6 1,221 9,210 484 — 6,798 1,276 — 18,989 7 — 378 211 7 12,872 995 — 14,463 Total real estate – construction and development $ 168,867 $ 872,850 $ 262,345 $ 147,425 $ 35,710 $ 67,900 $ 22,118 $ 1,577,215 As of March 31, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Real Estate – Commercial and Farmland Risk Grade: Pass $ 439,047 $ 2,079,527 $ 1,203,580 $ 1,074,253 $ 514,681 $ 1,464,276 $ 66,390 $ 6,841,754 6 — — — — 676 22,416 — 23,092 7 — 4,798 2,595 5,587 9,610 37,020 19 59,629 Total real estate – commercial and farmland $ 439,047 $ 2,084,325 $ 1,206,175 $ 1,079,840 $ 524,967 $ 1,523,712 $ 66,409 $ 6,924,475 Real Estate - Residential Risk Grade: Pass $ 284,325 $ 1,205,153 $ 606,135 $ 308,373 $ 136,724 $ 474,015 $ 211,941 $ 3,226,666 6 64 143 65 1,092 495 3,909 48 5,816 7 33 6,629 18,465 24,112 12,197 22,538 1,766 85,740 Total real estate - residential $ 284,422 $ 1,211,925 $ 624,665 $ 333,577 $ 149,416 $ 500,462 $ 213,755 $ 3,318,222 Total Loans Risk Grade: Pass $ 1,531,804 $ 5,378,962 $ 2,577,193 $ 1,756,993 $ 882,481 $ 2,472,500 $ 1,300,024 $ 15,899,957 6 1,285 9,520 641 1,185 8,133 30,310 594 51,668 7 7,048 17,659 22,649 33,722 36,890 69,256 4,952 192,176 Total loans $ 1,540,137 $ 5,406,141 $ 2,600,483 $ 1,791,900 $ 927,504 $ 2,572,066 $ 1,305,570 $ 16,143,801 As of December 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 903,630 $ 279,037 $ 188,810 $ 118,613 $ 50,737 $ 40,376 $ 262,951 $ 1,844,154 6 190 — 393 427 368 1,832 1,961 5,171 7 9,216 1,268 4,098 1,472 2,566 6,019 2,029 26,668 Total commercial, financial and agricultural $ 913,036 $ 280,305 $ 193,301 $ 120,512 $ 53,671 $ 48,227 $ 266,941 $ 1,875,993 Consumer Installment Risk Grade: Pass $ 35,781 $ 59,221 $ 37,195 $ 27,266 $ 9,787 $ 11,021 $ 9,437 $ 189,708 6 — — — — — 135 5 140 7 59 283 290 216 103 405 94 1,450 Total consumer installment $ 35,840 $ 59,504 $ 37,485 $ 27,482 $ 9,890 $ 11,561 $ 9,536 $ 191,298 Indirect Automobile Risk Grade: Pass $ — $ — $ 20,276 $ 101,969 $ 90,294 $ 51,468 $ — $ 264,007 6 — — — 24 10 19 — 53 7 — — 55 234 384 1,046 — 1,719 Total indirect automobile $ — $ — $ 20,331 $ 102,227 $ 90,688 $ 52,533 $ — $ 265,779 As of December 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Municipal Risk Grade: Pass $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Total municipal $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Premium Finance Risk Grade: Pass $ 787,884 $ 1,059 $ 26 $ — $ 302 $ 4 $ — $ 789,275 7 9,039 95 — — — — — 9,134 Total premium finance $ 796,923 $ 1,154 $ 26 $ — $ 302 $ 4 $ — $ 798,409 Real Estate – Construction and Development Risk Grade: Pass $ 826,094 $ 290,814 $ 176,476 $ 35,773 $ 24,533 $ 44,514 $ 21,267 $ 1,419,471 6 6,527 549 — 15,260 — 2,101 — 24,437 7 1,143 678 7 2,476 57 1,011 3,059 8,431 Total real estate – construction and development $ 833,764 $ 292,041 $ 176,483 $ 53,509 $ 24,590 $ 47,626 $ 24,326 $ 1,452,339 Real Estate – Commercial and Farmland Risk Grade: Pass $ 2,186,291 $ 1,205,578 $ 1,119,239 $ 542,295 $ 486,477 $ 1,103,675 $ 80,379 $ 6,723,934 6 416 — 1,036 14,760 5,334 21,665 — 43,211 7 4,709 2,682 11,109 9,076 4,861 35,315 20 67,772 Total real estate – commercial and farmland $ 2,191,416 $ 1,208,260 $ 1,131,384 $ 566,131 $ 496,672 $ 1,160,655 $ 80,399 $ 6,834,917 Real Estate - Residential Risk Grade: Pass $ 1,171,008 $ 638,232 $ 329,247 $ 149,990 $ 108,538 $ 408,240 $ 217,982 $ 3,023,237 6 145 66 1,106 505 356 3,717 49 5,944 7 2,405 10,167 21,239 11,376 4,597 13,970 2,050 65,804 Total real estate - residential $ 1,173,558 $ 648,465 $ 351,592 $ 161,871 $ 113,491 $ 425,927 $ 220,081 $ 3,094,985 Total Loans Risk Grade: Pass $ 5,955,415 $ 2,693,326 $ 1,886,100 $ 981,400 $ 879,708 $ 1,838,522 $ 1,379,853 $ 15,614,324 6 7,278 615 2,535 30,976 6,068 29,469 2,015 78,956 7 26,571 15,173 36,798 24,850 12,568 57,766 7,252 180,978 Total loans $ 5,989,264 $ 2,709,114 $ 1,925,433 $ 1,037,226 $ 898,344 $ 1,925,757 $ 1,389,120 $ 15,874,258
Summary of Troubled Debt Restructurings by Loan Class	The following table presents the loans by class modified as troubled debt restructurings which occurred during the three months ended March 31, 2022 and 2021. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended March 31, 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — 4 $ 463 Premium finance 5 162 — — Real estate – commercial and farmland — — 2 7,658 Real estate – residential 3 977 5 572 Total 8 $ 1,139 11 $ 8,693
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 months ended March 31, 2022 and 2021. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended March 31, 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — 3 $ 56 Consumer installment 1 3 5 6 Indirect automobile 14 49 16 94 Real estate – construction and development — — 1 1 Real estate – commercial and farmland 2 1,569 2 5,193 Real estate – residential 18 2,793 11 809 Total 35 $ 4,414 38 $ 6,159
Summary of Troubled Debt Restructuring by Loan Class, Classified Separately under Restructured Terms	The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at March 31, 2022 and December 31, 2021: March 31, 2022 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 868 4 $ 72 Consumer installment 6 13 16 31 Indirect automobile 215 893 46 221 Premium finance 5 162 — — Real estate – construction and development 3 725 1 11 Real estate – commercial and farmland 21 17,161 4 788 Real estate – residential 207 24,664 38 4,341 Total 466 $ 44,486 109 $ 5,464 December 31, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 12 $ 1,286 6 $ 83 Consumer installment 7 16 17 35 Indirect automobile 233 1,037 52 273 Real estate – construction and development 4 789 1 13 Real estate – commercial and farmland 25 35,575 5 5,924 Real estate – residential 213 26,879 39 4,678 Total 494 $ 65,582 120 $ 11,006
Schedule of Allowances for Loan Losses by Portfolio Segment	The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended March 31, 2022 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2021 $ 26,829 $ 6,097 $ 476 $ 3,231 $ 401 $ 2,729 Provision for loan losses 215 789 (290) (221) (17) (92) Loans charged off (4,414) (1,425) (88) — — (1,369) Recoveries of loans previously charged off 2,896 158 275 — — 1,247 Balance, March 31, 2022 $ 25,526 $ 5,619 $ 373 $ 3,010 $ 384 $ 2,515 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2021 $ 22,045 $ 77,831 $ 27,943 $ 167,582 Provision for loan losses 4,568 (9,552) 1,866 (2,734) Loans charged off — (1,283) — (8,579) Recoveries of loans previously charged off 218 37 151 4,982 Balance, March 31, 2022 $ 26,831 $ 67,033 $ 29,960 $ 161,251 Three Months Ended March 31, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2020 $ 7,359 $ 4,076 $ 1,929 $ 3,666 $ 791 $ 3,879 Provision for loan losses 2,575 5,806 (528) (145) (1) 442 Loans charged off (2,370) (1,448) (829) — — (1,343) Recoveries of loans previously charged off 727 356 700 — — 1,122 Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2020 $ 45,304 $ 88,894 $ 43,524 $ 199,422 Provision for loan losses (22,587) 3,671 (5,812) (16,579) Loans charged off (26) (1,395) (163) (7,574) Recoveries of loans previously charged off 167 41 188 3,301 Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570

SECURITIES SOLD UNDER AGREEME_2

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Summary of Securities Sold Under Repurchase Agreements	The following is a summary of the Company’s securities sold under agreements to repurchase at March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, 2022 December 31, 2021 Securities sold under agreements to repurchase $ 2,065 $ 5,845

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings consist of the following: (dollars in thousands) March 31, 2022 December 31, 2021 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% 1,397 1,400 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 967 969 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,385 1,421 Subordinated notes payable: Subordinated notes payable due June 1, 2026, net of unaccreted purchase accounting fair value adjustment of $— and $500, respectively; fixed interest rate of 5.50% — 50,500 Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $649 and $681, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,351 74,319 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,862 and $1,923, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,138 118,077 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $997 and $1,028, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 75,997 76,028 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,715 and $1,766, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,285 108,234 Securitzation Facilities: Equipment contract backed notes, Series 2018-1 (BCC XIV) due on various dates through 2025 and bear a weighted-average interest rate of 5.11% — 19,199 Equipment contract backed notes, Series 2019-1 (BCC XVI) due on various dates through 2027 and bear a weighted-average interest rate of 2.84% — 139,329 Equipment contract backed notes, Series 2020-1 (BCC XVII) due on various dates through 2027 and bear a weighted-average interest rate of 1.48% — 105,403 $ 425,520 $ 739,879

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2022
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 Accumulated Other Comprehensive Income (Loss) Three Months Ended March 31, 2022 Balance, December 31, 2021 $ 15,590 $ 15,590 Current year changes, net of tax (17,431) (17,431) Balance, March 31, 2022 $ (1,841) $ (1,841) Three Months Ended March 31, 2021 Balance, December 31, 2020 $ 33,505 $ 33,505 Current year changes, net of tax (7,415) (7,415) Balance, March 31, 2021 $ 26,090 $ 26,090

WEIGHTED AVERAGE SHARES OUTST_2

WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Summary of Weighted Average Number of Shares	Earnings per share have been computed based on the following weighted average number of common shares outstanding: Three Months Ended (share data in thousands) 2022 2021 Average common shares outstanding 69,346 69,392 Common share equivalents: Stock options 31 81 Nonvested restricted share grants 167 172 Performance stock units 117 96 Average common shares outstanding, assuming dilution 69,661 69,741

FAIR VALUE MEASURES (Tables)

FAIR VALUE MEASURES (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Loans Held For Sale Fair Value	The Company's loans held for sale under the fair value option are comprised of the following: (dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loans held for sale $ 899,009 $ 1,247,997 SBA loans held for sale 2,541 6,635 Total loans held for sale $ 901,550 $ 1,254,632
Difference Between Fair Value and Principal Balance for Mortgage Loans Held for Sale Measured at Fair Value	The following table summarizes the difference between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, 2022 December 31, 2021 Aggregate fair value of mortgage loans held for sale $ 899,009 $ 1,247,997 Aggregate unpaid principal balance of mortgage loans held for sale 906,552 1,211,646 Past-due loans of 90 days or more 466 746 Nonaccrual loans 466 746 Unpaid principal balance of nonaccrual loans 475 718 The following table summarizes the difference between the fair value and the principal balance for SBA loans held for sale measured at fair value as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, 2022 December 31, 2021 Aggregate fair value of SBA loans held for sale $ 2,541 $ 6,635 Aggregate unpaid principal balance of SBA loans held for sale 2,427 5,825 Past-due loans of 90 days or more — — Nonaccrual loans — —
Fair Value Measurements of Assets and Liabilities Measured on Recurring Basis	The following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall as of March 31, 2022 and December 31, 2021: Recurring Basis March 31, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 7,072 $ — $ 7,072 $ — State, county and municipal securities 43,844 — 43,844 — Corporate debt securities 28,178 — 26,828 1,350 SBA pool securities 36,949 — 36,949 — Mortgage-backed securities 463,161 — 463,161 — Loans held for sale 901,550 — 901,550 — Mortgage banking derivative instruments 37,182 — 37,182 — Total recurring assets at fair value $ 1,517,936 $ — $ 1,516,586 $ 1,350 Recurring Basis December 31, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 7,172 $ — $ 7,172 $ — State, county and municipal securities 47,812 — 47,812 — Corporate debt securities 28,496 — 27,116 1,380 SBA pool securities 45,201 — 45,201 — Mortgage-backed securities 463,940 — 463,940 — Loans held for sale 1,254,632 — 1,254,632 — Mortgage banking derivative instruments 11,940 — 11,940 — Total recurring assets at fair value $ 1,859,193 $ — $ 1,857,813 $ 1,380 Financial liabilities: Mortgage banking derivative instruments $ 710 $ — $ 710 $ — Total recurring liabilities at fair value $ 710 $ — $ 710 $ —
Summary of Fair Value Measurements of Assets Measured at Fair Value on Non-Recurring Basis	The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy as of March 31, 2022 and December 31, 2021: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 March 31, 2022 Collateral-dependent loans $ 25,510 $ — $ — $ 25,510 Other real estate owned 399 — — 399 Mortgage servicing rights 232,236 — — 232,236 Total nonrecurring assets at fair value $ 258,145 $ — $ — $ 258,145 December 31, 2021 Collateral-dependent loans $ 44,181 $ — $ — $ 44,181 Mortgage servicing rights 206,944 — — 206,944 Total nonrecurring assets at fair value $ 251,125 $ — $ — $ 251,125
Summary of Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities	The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets: (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted March 31, 2022 Recurring: Debt securities available-for-sale $ 1,350 Discounted par values Discount rate 10.0% 10.0% Nonrecurring: Collateral-dependent loans $ 25,510 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 34% Other real estate owned $ 399 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 47% 21% Mortgage servicing rights $ 232,236 Discounted cash flows Discount rate 10% - 11% 10% Prepayment speed 5% - 23% 8% December 31, 2021 Recurring: Debt securities available-for-sale $ 1,380 Discounted par values Discount Rate 8.0% 8.0% Nonrecurring: Collateral-dependent loans $ 44,181 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 39% Mortgage servicing rights $ 206,944 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 10% - 40% 13%
Carrying Amount and Estimated Fair Value of Financial Instruments	The carrying amount and estimated fair value of the Company’s financial instruments, not shown elsewhere in these financial statements, were as follows: Fair Value Measurements March 31, 2022 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 257,316 $ 257,316 $ — $ — $ 257,316 Federal funds sold and interest-bearing accounts 3,541,144 3,541,144 — — 3,541,144 Debt securities held-to-maturity 91,454 — 82,489 — 82,489 Loans, net 15,957,040 — — 15,927,461 15,927,461 Accrued interest receivable 53,036 — 2,598 50,438 53,036 Financial liabilities: Deposits 19,588,441 — 19,590,158 — 19,590,158 Securities sold under agreements to repurchase 2,065 2,065 — — 2,065 Other borrowings 425,520 — 431,131 — 431,131 Subordinated deferrable interest debentures 126,827 — 117,196 — 117,196 Accrued interest payable 6,121 — 6,121 — 6,121 Fair Value Measurements December 31, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 307,813 $ 307,813 $ — $ — $ 307,813 Federal funds sold and interest-bearing accounts 3,756,844 3,756,844 — — 3,756,844 Debt securities held-to-maturity 79,850 — 78,206 — 78,206 Loans, net 15,662,495 — — 15,509,410 15,509,410 Accrued interest receivable 56,917 — 2,373 54,544 56,917 Financial liabilities: Deposits 19,665,553 — 19,667,612 — 19,667,612 Securities sold under agreements to repurchase 5,845 5,845 — — 5,845 Other borrowings 739,879 — 760,829 — 760,829 Subordinated deferrable interest debentures 126,328 — 117,764 — 117,764 Accrued interest payable 4,313 — 4,313 — 4,313

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Schedule of Guarantor Obligations	A summary of the Company’s commitments is as follows: (dollars in thousands) March 31, 2022 December 31, 2021 Commitments to extend credit $ 4,817,539 $ 4,328,749 Unused home equity lines of credit 284,144 272,029 Financial standby letters of credit 31,440 36,184 Mortgage interest rate lock commitments 520,939 417,126
Schedule of Allowance for Credit Loss for Unfunded Commitments	The following table presents activity in the allowance for unfunded commitments for the periods presented: Three Months Ended March 31, (dollars in thousands) 2022 2021 Balance at beginning of period $ 33,185 $ 32,854 Provision for unfunded commitments 9,009 (11,839) Balance at end of period $ 42,194 $ 21,015

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Schedule of Segment Reporting, by Reportable Business Segments	The following tables present selected financial information with respect to the Company’s reportable business segments for the three months ended March 31, 2022 and 2021: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 129,290 $ 32,832 $ 6,813 $ 6,780 $ 7,659 $ 183,374 Interest expense (4,455) 13,537 366 769 613 10,830 Net interest income 133,745 19,295 6,447 6,011 7,046 172,544 Provision for credit losses 5,226 1,587 (222) (143) (217) 6,231 Noninterest income 21,364 61,649 1,401 2,491 6 86,911 Noninterest expense Salaries and employee benefits 49,195 31,614 283 1,271 1,918 84,281 Occupancy and equipment 11,074 1,471 1 99 82 12,727 Data processing and communications expenses 11,230 1,172 47 28 95 12,572 Other expenses 20,045 12,645 218 380 952 34,240 Total noninterest expense 91,544 46,902 549 1,778 3,047 143,820 Income before income tax expense 58,339 32,455 7,521 6,867 4,222 109,404 Income tax expense 16,996 6,815 1,579 1,442 874 27,706 Net income $ 41,343 $ 25,640 $ 5,942 $ 5,425 $ 3,348 $ 81,698 Total assets $ 17,409,973 $ 4,197,613 $ 703,558 $ 313,219 $ 935,929 $ 23,560,292 Goodwill 957,847 — — — 64,498 1,022,345 Other intangible assets, net 109,604 — — — 11,153 120,757 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 112,379 $ 30,199 $ 10,327 $ 18,034 $ 7,011 $ 177,950 Interest expense (437) 11,215 421 1,399 375 12,973 Net interest income 112,816 18,984 9,906 16,635 6,636 164,977 Provision for credit losses (23,904) (4,553) (145) (547) 558 (28,591) Noninterest income 16,738 97,640 980 2,611 4 117,973 Noninterest expense Salaries and employee benefits 42,723 49,838 330 1,382 1,712 95,985 Occupancy and equipment 10,120 1,476 1 106 78 11,781 Data processing and communications expenses 10,201 1,546 49 1 87 11,884 Other expenses 19,710 8,189 33 295 921 29,148 Total noninterest expense 82,754 61,049 413 1,784 2,798 148,798 Income (loss) before income tax expense 70,704 60,128 10,618 18,009 3,284 162,743 Income tax expense (benefit) 18,456 12,627 2,230 3,782 686 37,781 Net income (loss) $ 52,248 $ 47,501 $ 8,388 $ 14,227 $ 2,598 $ 124,962 Total assets $ 14,591,933 $ 4,086,210 $ 886,004 $ 1,055,068 $ 807,912 $ 21,427,127 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 53,745 — — — 14,103 67,848

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2022
Transfers and Servicing [Abstract]
Schedule of Carrying Value of Loan Servicing Rights Assets	The carrying value of the loan servicing rights assets is shown in the table below: (dollars in thousands) March 31, 2022 December 31, 2021 Loan Servicing Rights Residential mortgage $ 232,236 $ 206,944 SBA 5,384 5,556 Total loan servicing rights $ 237,620 $ 212,500 The table below is an analysis of the activity in the Company’s MSRs and valuation allowance: (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing rights 2022 2021 Beginning carrying value, net $ 206,944 $ 130,630 Additions 21,701 21,867 Amortization (6,062) (7,484) Recoveries 9,653 9,733 Ending carrying value, net $ 232,236 $ 154,746 (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing valuation allowance 2022 2021 Beginning balance $ 25,782 $ 39,407 Recoveries (9,653) (9,733) Ending balance $ 16,129 $ 29,674 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 March 31, SBA servicing rights 2022 2021 Beginning carrying value, net $ 5,556 $ 5,839 Additions 538 230 Amortization (710) (529) Recoveries — 905 Ending carrying value, net $ 5,384 $ 6,445 (dollars in thousands) Three Months Ended March 31, SBA servicing valuation allowance 2022 2021 Beginning balance $ — $ 905 Recoveries — (905) Ending balance $ — $ — (dollars in thousands) Three Months Ended March 31, Indirect automobile servicing rights 2022 2021 Beginning carrying value, net $ — $ 73 Amortization — (44) Ending carrying value, net $ — $ 29
Schedule of Sensitivity of Fair Value to Adverse Changes in Model Inputs and/or Assumptions	The key metrics and the sensitivity of the fair value to adverse changes in model inputs and/or assumptions are summarized below: (dollars in thousands) March 31, 2022 December 31, 2021 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 17,534,847 $ 16,786,442 Composition of residential loans serviced for others: FHLMC 21.85 % 21.88 % FNMA 60.44 % 60.26 % GNMA 17.71 % 17.86 % Total 100.00 % 100.00 % Weighted average term (months) 342 341 Weighted average age (months) 21 20 Modeled prepayment speed 8.35 % 12.96 % Decline in fair value due to a 10% adverse change (8,521) (8,368) Decline in fair value due to a 20% adverse change (16,149) (16,157) Weighted average discount rate 9.77 % 8.77 % Decline in fair value due to a 10% adverse change (10,222) (6,984) Decline in fair value due to a 20% adverse change (19,270) (13,504) (dollars in thousands) March 31, 2022 December 31, 2021 SBA servicing rights Unpaid principal balance of loans serviced for others $ 407,006 $ 410,167 Weighted average life (in years) 3.67 3.65 Modeled prepayment speed 17.54 % 17.68 % Decline in fair value due to a 10% adverse change (316) (291) Decline in fair value due to a 20% adverse change (602) (557) Weighted average discount rate 10.19 % 11.92 % Decline in fair value due to a 100 basis point adverse change (159) (144) Decline in fair value due to a 200 basis point adverse change (310) (282)

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES - Narrative (Details) $ in Millions	Mar. 31, 2022USD ($)branch	Dec. 31, 2021USD ($)
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of branches operated | branch	165
Restricted Cash | $	$ 0	$ 43

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 581,534	$ 572,887
Gross Unrealized Gains	2,923	19,929
Gross Unrealized Losses	(5,253)	(195)
Estimated Fair Value	579,204	592,621
U.S. government sponsored agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	7,067	7,084
Gross Unrealized Gains	17	88
Gross Unrealized Losses	(12)	0
Estimated Fair Value	7,072	7,172
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	43,416	45,470
Gross Unrealized Gains	727	2,342
Gross Unrealized Losses	(299)	0
Estimated Fair Value	43,844	47,812
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	27,897	27,897
Gross Unrealized Gains	431	719
Gross Unrealized Losses	(150)	(120)
Estimated Fair Value	28,178	28,496
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	37,863	44,312
Gross Unrealized Gains	15	958
Gross Unrealized Losses	(929)	(69)
Estimated Fair Value	36,949	45,201
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	465,291	448,124
Gross Unrealized Gains	1,733	15,822
Gross Unrealized Losses	(3,863)	(6)
Estimated Fair Value	$ 463,161	$ 463,940

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 91,454	$ 79,850
Gross Unrealized Gains	0	4
Gross Unrealized Losses	(8,965)	(1,648)
Estimated Fair Value	82,489	78,206
State, county and municipal securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	13,905	8,905
Gross Unrealized Gains	0	4
Gross Unrealized Losses	(2,227)	(198)
Estimated Fair Value	11,678	8,711
Mortgage-backed securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	77,549	70,945
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(6,738)	(1,450)
Estimated Fair Value	$ 70,811	$ 69,495

INVESTMENT SECURITIES - Amort_3

INVESTMENT SECURITIES - Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost
Due in one year or less	$ 11,390
Due from one year to five years	26,183
Due from five to ten years	43,452
Due after ten years	35,218
Mortgage-backed securities	465,291
Amortized Cost	581,534	$ 572,887
Estimated Fair Value
Due in one year or less	11,446
Due from one year to five years	26,201
Due from five to ten years	44,052
Due after ten years	34,344
Mortgage-backed securities	463,161
Estimated Fair Value	579,204	592,621
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	13,905
Mortgage-backed securities	77,549
Amortized Cost	91,454	79,850
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	11,678
Mortgage-backed securities	70,811
Estimated Fair Value	$ 82,489	$ 78,206

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)security	Dec. 31, 2021USD ($)	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Debt Securities, Available-for-sale [Line Items]
Allowance for credit loss | $	$ 0	$ 0	$ 101	$ 112
Unrealized losses | $	5,253	195
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	426
Number of securities in unrealized loss position	219
Debt Securities | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio	16
Number of securities in unrealized loss position	15
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	180
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	11
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Unrealized losses | $	$ 929	69
SBA pool securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	30
State, County And Municipal Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	6
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Unrealized losses | $	$ 150	120
Corporate debt securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	2
U.S. government sponsored agency security | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	1
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Unrealized losses | $	$ 299	0
State, county and municipal securities | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	4
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Pledged securities, carrying value | $	$ 314,200	$ 366,700

INVESTMENT SECURITIES - Schedul

INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Value of Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Estimated Fair Value
Less than 12 months, estimated fair value	$ 286,934	$ 6,826
12 months or more, estimated fair value	3,723	3,953
Total estimated fair value	290,657	10,779
Unrealized Losses
Less than 12 months, unrealized losses	(5,045)	(12)
12 months or more, unrealized losses	(208)	(183)
Total unrealized losses	(5,253)	(195)
U.S. government sponsored agencies
Estimated Fair Value
Less than 12 months, estimated fair value	1,033
12 months or more, estimated fair value	0
Total estimated fair value	1,033
Unrealized Losses
Less than 12 months, unrealized losses	(12)
12 months or more, unrealized losses	0
Total unrealized losses	(12)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	10,209
12 months or more, estimated fair value	0
Total estimated fair value	10,209
Unrealized Losses
Less than 12 months, unrealized losses	(299)
12 months or more, unrealized losses	0
Total unrealized losses	(299)
Corporate debt securities
Estimated Fair Value
Less than 12 months, estimated fair value	0	0
12 months or more, estimated fair value	1,350	1,380
Total estimated fair value	1,350	1,380
Unrealized Losses
Less than 12 months, unrealized losses	0	0
12 months or more, unrealized losses	(150)	(120)
Total unrealized losses	(150)	(120)
SBA pool securities
Estimated Fair Value
Less than 12 months, estimated fair value	32,988	1,312
12 months or more, estimated fair value	2,372	2,572
Total estimated fair value	35,360	3,884
Unrealized Losses
Less than 12 months, unrealized losses	(871)	(6)
12 months or more, unrealized losses	(58)	(63)
Total unrealized losses	(929)	(69)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	242,704	5,514
12 months or more, estimated fair value	1	1
Total estimated fair value	242,705	5,515
Unrealized Losses
Less than 12 months, unrealized losses	(3,863)	(6)
12 months or more, unrealized losses	0	0
Total unrealized losses	$ (3,863)	$ (6)

INVESTMENT SECURITIES - Sched_2

INVESTMENT SECURITIES - Schedule of Held-to-Maturity Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Estimated Fair Value
Less than 12 months, estimated fair value	$ 75,453	$ 73,202
12 months or more, estimated fair value	0	0
Total estimated fair value	75,453	73,202
Unrealized Losses
Less than 12 months, unrealized losses	(8,965)	(1,648)
12 months or more, unrealized losses	0	0
Total unrealized losses	(8,965)	(1,648)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	11,678	3,707
12 months or more, estimated fair value	0	0
Total estimated fair value	11,678	3,707
Unrealized Losses
Less than 12 months, unrealized losses	(2,227)	(198)
12 months or more, unrealized losses	0	0
Total unrealized losses	(2,227)	(198)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	63,775	69,495
12 months or more, estimated fair value	0	0
Total estimated fair value	63,775	69,495
Unrealized Losses
Less than 12 months, unrealized losses	(6,738)	(1,450)
12 months or more, unrealized losses	0	0
Total unrealized losses	$ (6,738)	$ (1,450)

INVESTMENT SECURITIES - Sched_3

INVESTMENT SECURITIES - Schedule of Investments Available-for-sale, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Debt Securities, Available-for-sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 0	$ 112
Provision for expected credit losses	0	(11)
Ending balance	$ 0	$ 101

INVESTMENT SECURITIES - Sched_4

INVESTMENT SECURITIES - Schedule of Gain on Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Unrealized holding losses on equity securities	$ (27)	$ (12)
Net loss on securities	$ (27)	$ (12)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 16,143,801	$ 15,874,258
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,836,663	1,875,993
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	173,642	191,298
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	214,120	265,779
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	732,375	787,837
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	547,926	572,701
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	819,163	798,409
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,577,215	1,452,339
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	6,924,475	6,834,917
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 3,318,222	$ 3,094,985

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred interest on loans, allowance for credit losses	$ 170		$ 214
Interest income on nonaccrual loans	0	$ 0
Loans modified that are not troubled debt restructurings	132,000	$ 118,000
Loan Receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	50,600		54,800
Loans Excluding Purchased Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructuring	50,000		76,600
Troubled debt restructurings, previous charge-offs, excluding purchased loans	654		654
Allowance for loan losses allocated to troubled debt restructuring	$ 3,400		$ 10,500

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Accounted for on a Nonaccrual Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 102,597	$ 85,266
Financing receivable, nonaccrual, no allowance	8,931	10,376
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	13,198	14,214
Financing receivable, nonaccrual, no allowance	0	164
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	561	476
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	706	947
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual, no allowance	289	0
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	847	492
Financing receivable, nonaccrual, no allowance	304	209
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	10,891	15,365
Financing receivable, nonaccrual, no allowance	3,553	2,061
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	76,394	53,772
Financing receivable, nonaccrual, no allowance	$ 4,785	$ 7,942

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of Past-Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total Loans	$ 16,143,801	$ 15,874,258
Loans 90 Days or More Past Due and Still Accruing	6,583	12,648
Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	179,613	148,707
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	72,455	54,024
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	18,613	14,215
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	88,545	80,468
Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	15,964,188	15,725,551
Commercial, financial and agricultural
Financing Receivable, Past Due [Line Items]
Total Loans	1,836,663	1,875,993
Loans 90 Days or More Past Due and Still Accruing	1,153	1,165
Commercial, financial and agricultural | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	18,630	17,453
Commercial, financial and agricultural | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,422	3,431
Commercial, financial and agricultural | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,708	2,005
Commercial, financial and agricultural | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	11,500	12,017
Commercial, financial and agricultural | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,818,033	1,858,540
Consumer installment
Financing Receivable, Past Due [Line Items]
Total Loans	173,642	191,298
Loans 90 Days or More Past Due and Still Accruing	412	584
Consumer installment | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,901	3,548
Consumer installment | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,555	1,786
Consumer installment | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	555	871
Consumer installment | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	791	891
Consumer installment | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	170,741	187,750
Indirect automobile
Financing Receivable, Past Due [Line Items]
Total Loans	214,120	265,779
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	1,101	1,430
Indirect automobile | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	502	772
Indirect automobile | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	137	185
Indirect automobile | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	462	473
Indirect automobile | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	213,019	264,349
Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Total Loans	732,375	787,837
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	732,375	787,837
Municipal
Financing Receivable, Past Due [Line Items]
Total Loans	547,926	572,701
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	547,926	572,701
Premium finance
Financing Receivable, Past Due [Line Items]
Total Loans	819,163	798,409
Loans 90 Days or More Past Due and Still Accruing	4,727	9,134
Premium finance | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	15,220	20,466
Premium finance | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,872	6,992
Premium finance | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	4,620	4,340
Premium finance | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	4,728	9,134
Premium finance | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	803,943	777,943
Real estate – construction and development
Financing Receivable, Past Due [Line Items]
Total Loans	1,577,215	1,452,339
Loans 90 Days or More Past Due and Still Accruing	287	1,758
Real estate – construction and development | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	28,169	20,189
Real estate – construction and development | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	26,729	16,601
Real estate – construction and development | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	468	1,398
Real estate – construction and development | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	972	2,190
Real estate – construction and development | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,549,046	1,432,150
Real estate – commercial and farmland
Financing Receivable, Past Due [Line Items]
Total Loans	6,924,475	6,834,917
Loans 90 Days or More Past Due and Still Accruing	4	7
Real estate – commercial and farmland | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	12,235	13,787
Real estate – commercial and farmland | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,772	6,713
Real estate – commercial and farmland | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,080	1,150
Real estate – commercial and farmland | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,383	5,924
Real estate – commercial and farmland | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	6,912,240	6,821,130
Real estate – residential
Financing Receivable, Past Due [Line Items]
Total Loans	3,318,222	3,094,985
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	101,357	71,834
Real estate – residential | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	26,603	17,729
Real estate – residential | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	8,045	4,266
Real estate – residential | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	66,709	49,839
Real estate – residential | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	$ 3,216,865	$ 3,023,151

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Information Pertaining to Impaired Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	$ 29,146	$ 52,078
Allowance for Credit Losses	3,636	7,897
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	2,261	2,613
Allowance for Credit Losses	852	723
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	289	2,989
Allowance for Credit Losses	0	30
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	304	1,432
Allowance for Credit Losses	0	45
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	11,466	33,332
Allowance for Credit Losses	795	6,646
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	14,826	11,712
Allowance for Credit Losses	$ 1,989	$ 453

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Risk Grade (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	$ 1,540,137	$ 5,989,264
Year two	5,406,141	2,709,114
Year three	2,600,483	1,925,433
Year four	1,791,900	1,037,226
Year five	927,504	898,344
Prior	2,572,066	1,925,757
Revolving Loans Amortized Cost Basis	1,305,570	1,389,120
Loans, net of unearned income	16,143,801	15,874,258
9
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	0	0
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	215,672	913,036
Year two	765,255	280,305
Year three	242,008	193,301
Year four	166,910	120,512
Year five	101,317	53,671
Prior	79,987	48,227
Revolving Loans Amortized Cost Basis	265,514	266,941
Loans, net of unearned income	1,836,663	1,875,993
Commercial, financial and agricultural | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	208,664	903,630
Year two	764,033	279,037
Year three	240,671	188,810
Year four	163,163	118,613
Year five	99,436	50,737
Prior	70,393	40,376
Revolving Loans Amortized Cost Basis	261,941	262,951
Loans, net of unearned income	1,808,301	1,844,154
Commercial, financial and agricultural | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	190
Year two	167	0
Year three	92	393
Year four	93	427
Year five	156	368
Prior	2,551	1,832
Revolving Loans Amortized Cost Basis	541	1,961
Loans, net of unearned income	3,600	5,171
Commercial, financial and agricultural | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	7,008	9,216
Year two	1,055	1,268
Year three	1,245	4,098
Year four	3,654	1,472
Year five	1,725	2,566
Prior	7,043	6,019
Revolving Loans Amortized Cost Basis	3,032	2,029
Loans, net of unearned income	24,762	26,668
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	18,548	35,840
Year two	21,392	59,504
Year three	51,765	37,485
Year four	32,840	27,482
Year five	24,498	9,890
Prior	19,200	11,561
Revolving Loans Amortized Cost Basis	5,399	9,536
Loans, net of unearned income	173,642	191,298
Consumer installment | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	18,541	35,781
Year two	21,321	59,221
Year three	51,632	37,195
Year four	32,530	27,266
Year five	24,305	9,787
Prior	18,621	11,021
Revolving Loans Amortized Cost Basis	5,259	9,437
Loans, net of unearned income	172,209	189,708
Consumer installment | 6
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	133	135
Revolving Loans Amortized Cost Basis	5	5
Loans, net of unearned income	138	140
Consumer installment | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	7	59
Year two	71	283
Year three	133	290
Year four	310	216
Year five	193	103
Prior	446	405
Revolving Loans Amortized Cost Basis	135	94
Loans, net of unearned income	1,295	1,450
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	20,331
Year four	17,448	102,227
Year five	86,477	90,688
Prior	110,195	52,533
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	214,120	265,779
Indirect automobile | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	20,276
Year four	17,396	101,969
Year five	86,176	90,294
Prior	108,956	51,468
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	212,528	264,007
Indirect automobile | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	24
Year five	8	10
Prior	25	19
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	33	53
Indirect automobile | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	55
Year four	52	234
Year five	293	384
Prior	1,214	1,046
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	1,559	1,719
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	732,375	787,837
Loans, net of unearned income	732,375	787,837
Mortgage warehouse | Pass
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	732,375	787,837
Loans, net of unearned income	732,375	787,837
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,184	44,727
Year two	43,031	219,385
Year three	213,311	14,831
Year four	13,860	5,494
Year five	5,119	109,040
Prior	270,421	179,224
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	547,926	572,701
Municipal | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,184	44,727
Year two	43,031	219,385
Year three	213,311	14,831
Year four	13,860	5,494
Year five	5,119	109,040
Prior	270,421	179,224
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	547,926	572,701
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	411,397	796,923
Year two	407,363	1,154
Year three	214	26
Year four	0	0
Year five	0	302
Prior	189	4
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	819,163	798,409
Premium finance | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	411,397	787,884
Year two	402,635	1,059
Year three	214	26
Year four	0	0
Year five	0	302
Prior	189	4
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	814,435	789,275
Premium finance | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	9,039
Year two	4,728	95
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	4,728	9,134
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	168,867	833,764
Year two	872,850	292,041
Year three	262,345	176,483
Year four	147,425	53,509
Year five	35,710	24,590
Prior	67,900	47,626
Revolving Loans Amortized Cost Basis	22,118	24,326
Loans, net of unearned income	1,577,215	1,452,339
Real estate – construction and development | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	167,646	826,094
Year two	863,262	290,814
Year three	261,650	176,476
Year four	147,418	35,773
Year five	16,040	24,533
Prior	65,629	44,514
Revolving Loans Amortized Cost Basis	22,118	21,267
Loans, net of unearned income	1,543,763	1,419,471
Real estate – construction and development | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,221	6,527
Year two	9,210	549
Year three	484	0
Year four	0	15,260
Year five	6,798	0
Prior	1,276	2,101
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	18,989	24,437
Real estate – construction and development | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	1,143
Year two	378	678
Year three	211	7
Year four	7	2,476
Year five	12,872	57
Prior	995	1,011
Revolving Loans Amortized Cost Basis	0	3,059
Loans, net of unearned income	14,463	8,431
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	439,047	2,191,416
Year two	2,084,325	1,208,260
Year three	1,206,175	1,131,384
Year four	1,079,840	566,131
Year five	524,967	496,672
Prior	1,523,712	1,160,655
Revolving Loans Amortized Cost Basis	66,409	80,399
Loans, net of unearned income	6,924,475	6,834,917
Real estate – commercial and farmland | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	439,047	2,186,291
Year two	2,079,527	1,205,578
Year three	1,203,580	1,119,239
Year four	1,074,253	542,295
Year five	514,681	486,477
Prior	1,464,276	1,103,675
Revolving Loans Amortized Cost Basis	66,390	80,379
Loans, net of unearned income	6,841,754	6,723,934
Real estate – commercial and farmland | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	416
Year two	0	0
Year three	0	1,036
Year four	0	14,760
Year five	676	5,334
Prior	22,416	21,665
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	23,092	43,211
Real estate – commercial and farmland | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	4,709
Year two	4,798	2,682
Year three	2,595	11,109
Year four	5,587	9,076
Year five	9,610	4,861
Prior	37,020	35,315
Revolving Loans Amortized Cost Basis	19	20
Loans, net of unearned income	59,629	67,772
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	284,422	1,173,558
Year two	1,211,925	648,465
Year three	624,665	351,592
Year four	333,577	161,871
Year five	149,416	113,491
Prior	500,462	425,927
Revolving Loans Amortized Cost Basis	213,755	220,081
Loans, net of unearned income	3,318,222	3,094,985
Real estate – residential | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	284,325	1,171,008
Year two	1,205,153	638,232
Year three	606,135	329,247
Year four	308,373	149,990
Year five	136,724	108,538
Prior	474,015	408,240
Revolving Loans Amortized Cost Basis	211,941	217,982
Loans, net of unearned income	3,226,666	3,023,237
Real estate – residential | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	64	145
Year two	143	66
Year three	65	1,106
Year four	1,092	505
Year five	495	356
Prior	3,909	3,717
Revolving Loans Amortized Cost Basis	48	49
Loans, net of unearned income	5,816	5,944
Real estate – residential | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	33	2,405
Year two	6,629	10,167
Year three	18,465	21,239
Year four	24,112	11,376
Year five	12,197	4,597
Prior	22,538	13,970
Revolving Loans Amortized Cost Basis	1,766	2,050
Loans, net of unearned income	85,740	65,804
Total Loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,531,804	5,955,415
Year two	5,378,962	2,693,326
Year three	2,577,193	1,886,100
Year four	1,756,993	981,400
Year five	882,481	879,708
Prior	2,472,500	1,838,522
Revolving Loans Amortized Cost Basis	1,300,024	1,379,853
Loans, net of unearned income	15,899,957	15,614,324
Total Loans | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,285	7,278
Year two	9,520	615
Year three	641	2,535
Year four	1,185	30,976
Year five	8,133	6,068
Prior	30,310	29,469
Revolving Loans Amortized Cost Basis	594	2,015
Loans, net of unearned income	51,668	78,956
Total Loans | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	7,048	26,571
Year two	17,659	15,173
Year three	22,649	36,798
Year four	33,722	24,850
Year five	36,890	12,568
Prior	69,256	57,766
Revolving Loans Amortized Cost Basis	4,952	7,252
Loans, net of unearned income	$ 192,176	$ 180,978

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		12 Months Ended
	Mar. 31, 2022USD ($)contractbranch	Mar. 31, 2021USD ($)contractbranch	Dec. 31, 2021USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	8	11
Troubled debt restructurings principal balances	$ 1,139	$ 8,693
Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	35	38
Troubled debt restructurings principal balances	$ 4,414	$ 6,159
Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	466		494
Troubled debt restructurings principal balances	$ 44,486		$ 65,582
Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	109		120
Troubled debt restructurings principal balances	$ 5,464		$ 11,006
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	4
Troubled debt restructurings principal balances	$ 0	$ 463
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	3
Troubled debt restructurings principal balances	$ 0	$ 56
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	9		12
Troubled debt restructurings principal balances	$ 868		$ 1,286
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	4		6
Troubled debt restructurings principal balances	$ 72		$ 83
Premium finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	5	0
Troubled debt restructurings principal balances	$ 162	$ 0
Premium finance | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	5
Troubled debt restructurings principal balances	$ 162
Premium finance | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0
Troubled debt restructurings principal balances	$ 0
Consumer installment | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	1	5
Troubled debt restructurings principal balances	$ 3	$ 6
Consumer installment | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	6		7
Troubled debt restructurings principal balances	$ 13		$ 16
Consumer installment | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	16		17
Troubled debt restructurings principal balances	$ 31		$ 35
Indirect automobile | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | branch	14	16
Troubled debt restructurings principal balances	$ 49	$ 94
Indirect automobile | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	215		233
Troubled debt restructurings principal balances	$ 893		$ 1,037
Indirect automobile | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	46		52
Troubled debt restructurings principal balances	$ 221		$ 273
Real estate – construction and development | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	1
Troubled debt restructurings principal balances	$ 0	$ 1
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	3		4
Troubled debt restructurings principal balances	$ 725		$ 789
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	1		1
Troubled debt restructurings principal balances	$ 11		$ 13
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	2
Troubled debt restructurings principal balances	$ 0	$ 7,658
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	2
Troubled debt restructurings principal balances	$ 1,569	$ 5,193
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	21		25
Troubled debt restructurings principal balances	$ 17,161		$ 35,575
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	4		5
Troubled debt restructurings principal balances	$ 788		$ 5,924
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	3	5
Troubled debt restructurings principal balances	$ 977	$ 572
Real estate – residential | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	18	11
Troubled debt restructurings principal balances	$ 2,793	$ 809
Real estate – residential | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	207		213
Troubled debt restructurings principal balances	$ 24,664		$ 26,879
Real estate – residential | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	38		39
Troubled debt restructurings principal balances	$ 4,341		$ 4,678

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 167,582	$ 199,422
Provision for loan losses	(2,734)	(16,579)
Loans charged off	(8,579)	(7,574)
Recoveries of loans previously charged off	4,982	3,301
Ending balance, Allowance	161,251	178,570
Commercial, financial and agricultural
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	26,829	7,359
Provision for loan losses	215	2,575
Loans charged off	(4,414)	(2,370)
Recoveries of loans previously charged off	2,896	727
Ending balance, Allowance	25,526	8,291
Consumer installment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	6,097	4,076
Provision for loan losses	789	5,806
Loans charged off	(1,425)	(1,448)
Recoveries of loans previously charged off	158	356
Ending balance, Allowance	5,619	8,790
Indirect automobile
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	476	1,929
Provision for loan losses	(290)	(528)
Loans charged off	(88)	(829)
Recoveries of loans previously charged off	275	700
Ending balance, Allowance	373	1,272
Mortgage warehouse
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	3,231	3,666
Provision for loan losses	(221)	(145)
Loans charged off	0	0
Recoveries of loans previously charged off	0	0
Ending balance, Allowance	3,010	3,521
Municipal
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	401	791
Provision for loan losses	(17)	(1)
Loans charged off	0	0
Recoveries of loans previously charged off	0	0
Ending balance, Allowance	384	790
Premium finance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	2,729	3,879
Provision for loan losses	(92)	442
Loans charged off	(1,369)	(1,343)
Recoveries of loans previously charged off	1,247	1,122
Ending balance, Allowance	2,515	4,100
Real estate – construction and development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	22,045	45,304
Provision for loan losses	4,568	(22,587)
Loans charged off	0	(26)
Recoveries of loans previously charged off	218	167
Ending balance, Allowance	26,831	22,858
Real estate – commercial and farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	77,831	88,894
Provision for loan losses	(9,552)	3,671
Loans charged off	(1,283)	(1,395)
Recoveries of loans previously charged off	37	41
Ending balance, Allowance	67,033	91,211
Real estate – residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	27,943	43,524
Provision for loan losses	1,866	(5,812)
Loans charged off	0	(163)
Recoveries of loans previously charged off	151	188
Ending balance, Allowance	$ 29,960	$ 37,737

SECURITIES SOLD UNDER AGREEME_3

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Securities sold under agreements to repurchase	$ 2,065	$ 5,845

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 126,827	$ 126,328
Other borrowings	425,520	739,879
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	$ 1,397	1,400
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	$ 967	969
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	$ 1,385	1,421
Debt instrument, interest rate, effective percentage	3.095%
Subordinated notes payable due June 1, 2026, net of unaccreted purchase accounting fair value adjustment of $— and $500, respectively; fixed interest rate of 5.50%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 0	50,500
Debt instrument, interest rate, effective percentage	5.50%
Unaccreted purchase accounting fair value adjustment	$ 0	(500)
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $649 and $681, 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	$ 74,351	74,319
Debt instrument, interest rate, effective percentage	5.75%
Unamortized debt issuance expense	$ 649	681
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $649 and $681, 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 $1,862 and $1,923, 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	$ 118,138	118,077
Debt instrument, interest rate, effective percentage	4.25%
Unamortized debt issuance expense	$ 1,862	1,923
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,862 and $1,923, 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 $997 and $1,028, 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	$ 75,997	76,028
Debt instrument, interest rate, effective percentage	5.875%
Unaccreted purchase accounting fair value adjustment	$ (997)	(1,028)
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $997 and $1,028, 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 $1,715 and $1,766, 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	$ 108,285	108,234
Debt instrument, interest rate, effective percentage	3.875%
Unamortized debt issuance expense	$ 1,715	1,766
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,715 and $1,766, 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%
Equipment contract backed notes, Series 2018-1 (BCC XIV) due on various dates through 2025 and bear a weighted-average interest rate of 5.11%
Other Borrowings [Line Items]
Securitization facilities	$ 0	19,199
Debt instrument, interest rate, effective percentage	5.11%
Equipment contract backed notes, Series 2019-1 (BCC XVI) due on various dates through 2027 and bear a weighted-average interest rate of 2.84%
Other Borrowings [Line Items]
Securitization facilities	$ 0	139,329
Debt instrument, interest rate, effective percentage	2.84%
Equipment contract backed notes, Series 2020-1 (BCC XVII) due on various dates through 2027 and bear a weighted-average interest rate of 1.48%
Other Borrowings [Line Items]
Securitization facilities	$ 0	$ 105,403
Debt instrument, interest rate, effective percentage	1.48%

OTHER BORROWINGS - Narrative (D

OTHER BORROWINGS - Narrative (Details) $ in Millions	Mar. 31, 2022USD ($)
Debt Disclosure [Abstract]
Federal home loan bank, advances, general debt obligations, amount of available, unused funds	$ 4,230
Credit arrangements for federal funds purchase	127
Pledged assets separately reported, loans pledged for federal reserve bank, at fair value	2,800
Loans pledged at federal reserve discount window available for borrowing	$ 2,180

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 2,966,451	$ 2,647,088
Current year changes, net of tax	(17,431)	(7,415)
Balance at end of period	3,007,159	2,757,596
Unrealized Gain (Loss) on Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	15,590	33,505
Current year changes, net of tax	(17,431)	(7,415)
Balance at end of period	(1,841)	26,090
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	15,590	33,505
Balance at end of period	$ (1,841)	$ 26,090

WEIGHTED AVERAGE SHARES OUTST_3

WEIGHTED AVERAGE SHARES OUTSTANDING (Details) - shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share [Abstract]
Average common shares outstanding (in shares)	69,346,000	69,392,000
Common share equivalents:
Stock options (in shares)	31,000	81,000
Nonvested restricted share grants (in shares)	167,000	172,000
Performance share units (in shares)	117,000	96,000
Average common shares outstanding, assuming dilution (in shares)	69,661,000	69,741,000
Potential common shares with strike prices that would cause them to be anti-dilutive (in shares)	0

FAIR VALUE MEASURES - Loans Hel

FAIR VALUE MEASURES - Loans Held for Sale Under the Fair Value Option (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 901,550	$ 1,254,632
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	899,009	1,247,997
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 2,541	$ 6,635

FAIR VALUE MEASURES - Narrative

FAIR VALUE MEASURES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Fair Value Disclosures [Abstract]
Net gains (losses) from change in fair value of mortgages loans held for sale	$ (43.9)	$ (25.1)
Net gains (losses) from change in fair value of derivative financial instruments	$ 26	$ 27.5

FAIR VALUE MEASURES - Differenc

FAIR VALUE MEASURES - Difference Between Fair Value and Principal Balance of Loans Held for Sale Measured at Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
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	$ 899,009	$ 1,247,997
Aggregate unpaid principal balance of loans held for sale	906,552	1,211,646
Past-due loans of 90 days or more	466	746
Nonaccrual loans	466	746
Unpaid principal balance of nonaccrual loans	475	718
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	2,541	6,635
Aggregate unpaid principal balance of loans held for sale	2,427	5,825
Past-due loans of 90 days or more	0	0
Nonaccrual loans	$ 0	$ 0

FAIR VALUE MEASURES - Fair Valu

FAIR VALUE MEASURES - Fair Value Measurements of Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	$ 579,204	$ 592,621
Loans held for sale	901,550	1,254,632
U.S. government sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	7,072	7,172
State, county and municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	43,844	47,812
Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	28,178	28,496
SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	36,949	45,201
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	463,161	463,940
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	901,550	1,254,632
Total recurring assets at fair value	1,517,936	1,859,193
Total recurring liabilities at fair value		710
Fair Value, Measurements, Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Total recurring assets at fair value	0	0
Total recurring liabilities at fair value		0
Fair Value, Measurements, Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	901,550	1,254,632
Total recurring assets at fair value	1,516,586	1,857,813
Total recurring liabilities at fair value		710
Fair Value, Measurements, Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,350	1,380
Loans held for sale	0	0
Total recurring assets at fair value	1,350	1,380
Total recurring liabilities at fair value		0
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	37,182	11,940
Mortgage banking derivative instruments		710
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
Mortgage banking derivative instruments		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	37,182	11,940
Mortgage banking derivative instruments		710
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
Mortgage banking derivative instruments		0
Fair Value, Measurements, Recurring | U.S. government sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	7,072	7,172
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	7,072	7,172
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	43,844	47,812
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	43,844	47,812
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	28,178	28,496
Fair Value, Measurements, Recurring | Corporate debt securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	26,828	27,116
Fair Value, Measurements, Recurring | Corporate debt securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,350	1,380
Fair Value, Measurements, Recurring | SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	36,949	45,201
Fair Value, Measurements, Recurring | SBA pool securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	36,949	45,201
Fair Value, Measurements, Recurring | SBA pool securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	463,161	463,940
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	463,161	463,940
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	$ 0	$ 0

FAIR VALUE MEASURES - Fair Va_2

FAIR VALUE MEASURES - Fair Value Measurements of Assets Measured at Fair Value on Non-Recurring Basis (Details) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 258,145	$ 251,125
Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	25,510	44,181
Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	399
Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	232,236	206,944
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
Level 1 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
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
Level 2 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	258,145	251,125
Level 3 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	25,510	44,181
Level 3 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	399
Level 3 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 232,236	$ 206,944

FAIR VALUE MEASURES - Significa

FAIR VALUE MEASURES - Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities (Details) $ in Thousands	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, at fair value	$ 579,204	$ 592,621
Other real estate owned, at fair value	1,910	3,810
Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, at fair value	1,350	1,380
Fair Value, Measurements, Nonrecurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, at fair value	25,510	44,181
Other real estate owned, at fair value	399
Mortgage servicing rights	$ 232,236	$ 206,944
Discounted par values | Discount rate | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.100	0.080
Discounted par values | Discount rate | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.100	0.080
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	0.00%	0.00%
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	50.00%	50.00%
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	34.00%	39.00%
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
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	0.47
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	0.21
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	0.10	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	0.11	0.10
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	0.10	0.09
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	0.05	0.10
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	0.23	0.40
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	0.08	13

FAIR VALUE MEASURES - Carrying

FAIR VALUE MEASURES - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financial assets:
Cash and due from banks	$ 257,316	$ 307,813
Federal funds sold and interest-bearing accounts	3,541,144	3,756,844
Debt securities held-to-maturity	82,489	78,206
Financial liabilities:
Other borrowings	425,520	739,879
Subordinated deferrable interest debentures	126,827	126,328
Carrying Amount
Financial assets:
Cash and due from banks	257,316	307,813
Federal funds sold and interest-bearing accounts	3,541,144	3,756,844
Debt securities held-to-maturity	91,454	79,850
Loans, net	15,957,040	15,662,495
Accrued interest receivable	53,036	56,917
Financial liabilities:
Deposits	19,588,441	19,665,553
Securities sold under agreements to repurchase	2,065	5,845
Other borrowings	425,520	739,879
Subordinated deferrable interest debentures	126,827	126,328
Accrued interest payable	6,121	4,313
Fair Value
Financial assets:
Cash and due from banks	257,316	307,813
Federal funds sold and interest-bearing accounts	3,541,144	3,756,844
Debt securities held-to-maturity	82,489	78,206
Loans, net	15,927,461	15,509,410
Accrued interest receivable	53,036	56,917
Financial liabilities:
Deposits	19,590,158	19,667,612
Securities sold under agreements to repurchase	2,065	5,845
Other borrowings	431,131	760,829
Subordinated deferrable interest debentures	117,196	117,764
Accrued interest payable	6,121	4,313
Fair Value | Level 1
Financial assets:
Cash and due from banks	257,316	307,813
Federal funds sold and interest-bearing accounts	3,541,144	3,756,844
Debt 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	2,065	5,845
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
Debt securities held-to-maturity	82,489	78,206
Loans, net	0	0
Accrued interest receivable	2,598	2,373
Financial liabilities:
Deposits	19,590,158	19,667,612
Securities sold under agreements to repurchase	0	0
Other borrowings	431,131	760,829
Subordinated deferrable interest debentures	117,196	117,764
Accrued interest payable	6,121	4,313
Fair Value | Level 3
Financial assets:
Cash and due from banks	0	0
Federal funds sold and interest-bearing accounts	0	0
Debt securities held-to-maturity	0	0
Loans, net	15,927,461	15,509,410
Accrued interest receivable	50,438	54,544
Financial liabilities:
Deposits	0	0
Securities sold under agreements to repurchase	0	0
Other borrowings	0	0
Subordinated deferrable interest debentures	0	0
Accrued interest payable	$ 0	$ 0

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Schedule of Guarantor Obligations (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 4,817,539	$ 4,328,749
Unused home equity lines of credit	284,144	272,029
Financial standby letters of credit	31,440	36,184
Mortgage interest rate lock commitments	$ 520,939	$ 417,126

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - Allowance for Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision for unfunded commitments	$ (2,734)	$ (16,579)
Unfunded Loan Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	33,185	32,854
Provision for unfunded commitments	9,009	(11,839)
Ending balance, Allowance	$ 42,194	$ 21,015

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES - Narrative (Details) $ in Millions	Mar. 31, 2022USD ($)
Federal Home Loan Bank | Letter of Credit
Loss Contingencies [Line Items]
Letter of credit	$ 420

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	3 Months Ended
	Mar. 31, 2022segment
Segment Reporting [Abstract]
Reportable segments	5

SEGMENT REPORTING - Schedule of

SEGMENT REPORTING - Schedule of Segment Reporting, by Reportable Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Segment Reporting Information [Line Items]
Interest income	$ 183,374	$ 177,950
Interest expense	10,830	12,973
Net interest income	172,544	164,977
Provision for credit losses	6,231	(28,591)
Noninterest income	86,911	117,973
Noninterest expense
Salaries and employee benefits	84,281	95,985
Occupancy and equipment	12,727	11,781
Data processing and communications expenses	12,572	11,884
Other expenses	34,240	29,148
Total noninterest expense	143,820	148,798
Income (loss) before income tax expense	109,404	162,743
Income tax expense (benefit)	27,706	37,781
Net income (loss)	81,698	124,962
Total assets	23,560,292	21,427,127	$ 23,858,321
Goodwill	1,022,345	928,005	1,012,620
Other intangible assets, net	120,757	67,848	$ 125,938
Banking Division
Segment Reporting Information [Line Items]
Interest income	129,290	112,379
Interest expense	(4,455)	(437)
Net interest income	133,745	112,816
Provision for credit losses	5,226	(23,904)
Noninterest income	21,364	16,738
Noninterest expense
Salaries and employee benefits	49,195	42,723
Occupancy and equipment	11,074	10,120
Data processing and communications expenses	11,230	10,201
Other expenses	20,045	19,710
Total noninterest expense	91,544	82,754
Income (loss) before income tax expense	58,339	70,704
Income tax expense (benefit)	16,996	18,456
Net income (loss)	41,343	52,248
Total assets	17,409,973	14,591,933
Goodwill	957,847	863,507
Other intangible assets, net	109,604	53,745
Retail Mortgage Division
Segment Reporting Information [Line Items]
Interest income	32,832	30,199
Interest expense	13,537	11,215
Net interest income	19,295	18,984
Provision for credit losses	1,587	(4,553)
Noninterest income	61,649	97,640
Noninterest expense
Salaries and employee benefits	31,614	49,838
Occupancy and equipment	1,471	1,476
Data processing and communications expenses	1,172	1,546
Other expenses	12,645	8,189
Total noninterest expense	46,902	61,049
Income (loss) before income tax expense	32,455	60,128
Income tax expense (benefit)	6,815	12,627
Net income (loss)	25,640	47,501
Total assets	4,197,613	4,086,210
Goodwill	0	0
Other intangible assets, net	0	0
Warehouse Lending Division
Segment Reporting Information [Line Items]
Interest income	6,813	10,327
Interest expense	366	421
Net interest income	6,447	9,906
Provision for credit losses	(222)	(145)
Noninterest income	1,401	980
Noninterest expense
Salaries and employee benefits	283	330
Occupancy and equipment	1	1
Data processing and communications expenses	47	49
Other expenses	218	33
Total noninterest expense	549	413
Income (loss) before income tax expense	7,521	10,618
Income tax expense (benefit)	1,579	2,230
Net income (loss)	5,942	8,388
Total assets	703,558	886,004
Goodwill	0	0
Other intangible assets, net	0	0
SBA Division
Segment Reporting Information [Line Items]
Interest income	6,780	18,034
Interest expense	769	1,399
Net interest income	6,011	16,635
Provision for credit losses	(143)	(547)
Noninterest income	2,491	2,611
Noninterest expense
Salaries and employee benefits	1,271	1,382
Occupancy and equipment	99	106
Data processing and communications expenses	28	1
Other expenses	380	295
Total noninterest expense	1,778	1,784
Income (loss) before income tax expense	6,867	18,009
Income tax expense (benefit)	1,442	3,782
Net income (loss)	5,425	14,227
Total assets	313,219	1,055,068
Goodwill	0	0
Other intangible assets, net	0	0
Premium  Finance  Division
Segment Reporting Information [Line Items]
Interest income	7,659	7,011
Interest expense	613	375
Net interest income	7,046	6,636
Provision for credit losses	(217)	558
Noninterest income	6	4
Noninterest expense
Salaries and employee benefits	1,918	1,712
Occupancy and equipment	82	78
Data processing and communications expenses	95	87
Other expenses	952	921
Total noninterest expense	3,047	2,798
Income (loss) before income tax expense	4,222	3,284
Income tax expense (benefit)	874	686
Net income (loss)	3,348	2,598
Total assets	935,929	807,912
Goodwill	64,498	64,498
Other intangible assets, net	$ 11,153	$ 14,103

LOAN SERVICING RIGHTS - Schedul

LOAN SERVICING RIGHTS - Schedule of Carrying Value of Loan Servicing Rights Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 237,620	$ 212,500
Residential mortgage
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	232,236	206,944	$ 154,746	$ 130,630
SBA
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 5,384	$ 5,556	$ 6,445	$ 5,839

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Residential Mortgage Loans
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 17,100	$ 10,100
SBA servicing rights
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	876	1,000
Indirect automobile
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 83	$ 206

LOAN SERVICING RIGHTS - Sched_2

LOAN SERVICING RIGHTS - Schedule of Activity of Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 212,500
Ending balance	237,620
Residential mortgage servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	206,944	$ 130,630
Additions	21,701	21,867
Amortization	(6,062)	(7,484)
Recoveries	9,653	9,733
Ending balance	232,236	154,746
Residential mortgage servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	25,782	39,407
Recoveries	(9,653)	(9,733)
Ending balance	16,129	29,674
SBA servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	5,556	5,839
Additions	538	230
Amortization	(710)	(529)
Recoveries	0	905
Ending balance	5,384	6,445
SBA servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	905
Recoveries	0	(905)
Ending balance	0	0
Indirect automobile
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	73
Amortization	0	(44)
Ending balance	$ 0	$ 29

LOAN SERVICING RIGHTS - Sched_3

LOAN SERVICING RIGHTS - Schedule of Sensitivity of Fair Value to Adverse Changes in Model Inputs and/or Assumptions (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
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	$ 17,534,847	$ 16,786,442
Loans serviced for others, percentage	100.00%	100.00%
Weighted average term/life	342 months	341 months
Weighted average age (months)	21 months	20 months
Modeled prepayment speed	8.35%	12.96%
Decline in fair value due to a 10% adverse change	$ (8,521)	$ (8,368)
Decline in fair value due to a 20% adverse change	$ (16,149)	$ (16,157)
Weighted average discount rate	9.77%	8.77%
Decline in fair value due to a 10% adverse change	$ (10,222)	$ (6,984)
Decline in fair value due to a 20% adverse change	$ (19,270)	$ (13,504)
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	21.85%	21.88%
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	60.44%	60.26%
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	17.71%	17.86%
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	$ 407,006	$ 410,167
Weighted average term/life	3 years 8 months 1 day	3 years 7 months 24 days
Modeled prepayment speed	17.54%	17.68%
Decline in fair value due to a 10% adverse change	$ (316)	$ (291)
Decline in fair value due to a 20% adverse change	$ (602)	$ (557)
Weighted average discount rate	10.19%	11.92%
Decline in fair value due to a 10% adverse change	$ (159)	$ (144)
Decline in fair value due to a 20% adverse change	$ (310)	$ (282)