Ameris Bancorp (ABCB) 10-Q8 May 232023 Q1 Quarterly reportFinancial data

Company Profile

Cover

Cover - shares	3 Months Ended
Cover - shares	Mar. 31, 2023	May 03, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
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		69,373,863
Amendment Flag	false
Document Fiscal Year Focus	2023
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, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 266,400	$ 284,567
Federal funds sold and interest-bearing deposits in banks	1,754,453	833,565
Cash and cash equivalents	2,020,853	1,118,132
Debt securities available-for-sale, at fair value, net of allowance for credit losses of $82 and $75	1,496,836	1,500,060
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $— and $— (fair value of $116,093 and $114,538)	134,175	134,864
Other investments	146,715	110,992
Loans held for sale, at fair value	395,096	392,078
Loans, net of unearned income	19,997,871	19,855,253
Allowance for credit losses	(242,658)	(205,677)
Loans, net	19,755,213	19,649,576
Other real estate owned, net	1,502	843
Premises and equipment, net	218,878	220,283
Goodwill	1,015,646	1,015,646
Other intangible assets, net	101,488	106,194
Cash value of bank owned life insurance	389,201	388,405
Other assets	412,781	416,213
Total assets	26,088,384	25,053,286
Deposits:
Noninterest-bearing	7,297,893	7,929,579
Interest-bearing	12,599,562	11,533,159
Total deposits	19,897,455	19,462,738
Other borrowings	2,401,327	1,875,736
Subordinated deferrable interest debentures	128,820	128,322
Other liabilities	407,587	389,090
Total liabilities	22,835,189	21,855,886
Commitments and Contingencies (Note 8)
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; 72,484,210 and 72,263,727 shares issued	72,484	72,264
Capital surplus	1,937,664	1,935,211
Retained earnings	1,362,512	1,311,258
Accumulated other comprehensive income, net of tax	(35,581)	(46,507)
Treasury stock, at cost, 3,110,347 and 2,894,677 shares	(83,884)	(74,826)
Total shareholders’ equity	3,253,195	3,197,400
Total liabilities and shareholders’ equity	$ 26,088,384	$ 25,053,286

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Debt securities available-for-sale, allowance for credit loss	$ 82	$ 75
Debt securities, held-to-maturity, allowance for credit loss	0	0
Debt securities held-to-maturity	$ 116,093	$ 114,538
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)	72,484,210	72,263,727
Treasury stock (in shares)	3,110,347	2,894,677

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest income
Interest and fees on loans	$ 271,964	$ 177,566
Interest on taxable securities	14,300	4,239
Interest on nontaxable securities	339	186
Interest on deposits in other banks and federal funds sold	9,113	1,383
Total interest income	295,716	183,374
Interest expense
Interest on deposits	53,182	4,092
Interest on other borrowings	30,882	6,738
Total interest expense	84,064	10,830
Net interest income	211,652	172,544
Provision for loan losses	49,376	(2,734)
Provision for unfunded commitments	346	9,009
Provision for other credit losses	7	(44)
Provision for credit losses	49,729	6,231
Net interest income after provision for credit losses	161,923	166,313
Noninterest income
Service charges on deposit accounts	10,936	11,058
Mortgage banking activity	31,392	62,938
Other service charges, commissions and fees	971	939
Net gain (loss) on securities	6	(27)
Other noninterest income	12,745	12,003
Total noninterest income	56,050	86,911
Noninterest expense
Salaries and employee benefits	80,910	84,281
Occupancy and equipment	12,986	12,727
Data processing and communications expenses	13,034	12,572
Credit resolution-related expenses	435	(965)
Advertising and marketing	3,532	1,988
Amortization of intangible assets	4,706	5,181
Merger and conversion charges	0	977
Loan servicing expense	8,331	8,919
Other noninterest expenses	15,487	18,140
Total noninterest expense	139,421	143,820
Income before income tax expense	78,552	109,404
Income tax expense	18,131	27,706
Net income	60,421	81,698
Other comprehensive loss
Net unrealized holding gains (losses) arising during period on debt securities available-for-sale, net of tax expense (benefit) of $3,719 and $(4,633)	10,926	(17,431)
Total other comprehensive loss	10,926	(17,431)
Comprehensive income	$ 71,347	$ 64,267
Basic earnings per common share (in dollars per share)	$ 0.87	$ 1.18
Diluted earnings per common share (in dollars per share)	$ 0.87	$ 1.17
Weighted average common shares outstanding
Basic (in shares)	69,172	69,346
Diluted (in shares)	69,323	69,661

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Income Statement [Abstract]
Tax benefit from unrealized holding losses on securities arising during period	$ 3,719	$ (4,633)

Consolidated Statements of Shar

Consolidated Statements of Shareholders’ Equity (unaudited) - USD ($) $ in Thousands	Total	Cumulative effect of change in accounting principle for ASU 2022-02	Common Stock	Capital Surplus	Retained Earnings	Retained Earnings Cumulative effect of change in accounting principle for ASU 2022-02	Accumulated Other Comprehensive Income (Loss), Net of Tax	Treasury Stock
Balance at beginning of period (in shares) at Dec. 31, 2021			72,017,126
Balance at beginning of period (in shares) at Dec. 31, 2021								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)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
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 shares	(10,409)				(10,409)
Other comprehensive loss during the period	(17,431)						(17,431)
Balance at end of period (in shares) at Mar. 31, 2022			72,212,322
Balance at end of period (in shares) at Mar. 31, 2022								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)
Balance at beginning of period (in shares) at Dec. 31, 2021			72,017,126
Balance at beginning of period (in shares) at Dec. 31, 2021								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)
Balance at end of period (in shares) at Dec. 31, 2022			72,263,727
Balance at end of period (in shares) at Dec. 31, 2022	2,894,677							2,894,677
Balance at end of period at Dec. 31, 2022	$ 3,197,400	$ 1,277	$ 72,264	1,935,211	1,311,258	$ 1,277	(46,507)	$ (74,826)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]	Accounting Standards Update 2016-02 [Member]
Issuance of restricted shares (in shares)			101,510
Issuance of restricted shares	$ 0		$ 101	(101)
Issuance of common shares pursuant to PSU agreements (in shares)			102,973
Issuance of common shares pursuant to PSU agreements	0		$ 103	(103)
Proceeds from exercise of stock options (in shares)			16,000
Proceeds from exercise of stock options	476		$ 16	460
Share-based compensation	2,197			2,197
Purchase of treasury shares (in shares)								215,670
Purchase of treasury shares	(9,058)							$ (9,058)
Net income	60,421				60,421
Dividends on common shares	(10,444)				(10,444)
Other comprehensive loss during the period	$ 10,926						10,926
Balance at end of period (in shares) at Mar. 31, 2023			72,484,210
Balance at end of period (in shares) at Mar. 31, 2023	3,110,347							3,110,347
Balance at end of period at Mar. 31, 2023	$ 3,253,195		$ 72,484	$ 1,937,664	$ 1,362,512		$ (35,581)	$ (83,884)

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders’ Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
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, 2023	Mar. 31, 2022
Operating Activities
Net income	$ 60,421	$ 81,698
Adjustments reconciling net income to net cash provided by (used in) operating activities:
Depreciation	4,648	4,553
Net losses on sale or disposal of premises and equipment	15	37
Provision for credit losses	49,729	6,231
Net write-downs and (gains) losses on sale of other real estate owned	(49)	(1,459)
Share-based compensation expense	2,197	1,499
Amortization of intangible assets	4,706	5,181
Amortization of operating lease right of use assets	2,872	2,904
Provision for deferred taxes	(2,807)	6,435
Net (accretion) amortization of investment securities available-for-sale	(1,417)	392
Net (accretion) amortization of investment securities held-to-maturity	(39)	26
Net amortization of other investments	388	252
Net (gain) loss on securities	(6)	27
Accretion of discount on purchased loans, net	(420)	(1,006)
Net amortization on other borrowings	627	108
Amortization of subordinated deferrable interest debentures	498	499
Loan servicing asset recovery	0	(9,654)
Originations of mortgage loans held for sale	(754,727)	(1,220,771)
Payments received on mortgage loans held for sale	3,661	10,505
Proceeds from sales of mortgage loans held for sale	748,633	1,464,735
Net (gains) losses on sale of mortgage loans held for sale	(2,919)	22,792
Originations of SBA loans	(8,873)	(14,042)
Proceeds from sales of SBA loans	5,648	20,461
Net gains on sale of SBA loans	(175)	(2,325)
Increase in cash surrender value of bank owned life insurance	(2,200)	(1,768)
Gain on bank owned life insurance proceeds	(486)	0
Change attributable to other operating activities	21,776	(16,887)
Net cash provided by operating activities	131,701	360,423
Investing Activities, net of effects of business combinations
Purchases of securities available-for-sale	0	(15,667)
Purchases of investment securities held-to-maturity	0	(12,036)
Proceeds from maturities and paydowns of securities available-for-sale	19,280	42,844
Proceeds from maturities and paydowns of securities held-to-maturity	728	406
Net increase in other investments	(36,105)	(2,122)
Net increase in loans	(153,072)	(205,189)
Purchases of premises and equipment	(3,258)	(3,550)
Proceeds from sales of other real estate owned	1,042	3,524
Proceeds from bank owned life insurance	1,890	0
Net cash and cash equivalents paid in acquisitions	0	(13,237)
Net cash used in investing activities	(169,495)	(205,027)
Financing Activities, net of effects of business combinations
Net increase (decrease) in deposits	434,717	(77,112)
Net decrease in securities sold under agreements to repurchase	0	(3,780)
Proceeds from other borrowings	6,655,000	0
Repayment of other borrowings	(6,130,036)	(314,467)
Proceeds from exercise of stock options	476	1,445
Dividends paid - common stock	(10,584)	(10,445)
Purchase of treasury shares	(9,058)	(17,234)
Net cash provided by (used in) financing activities	940,515	(421,593)
Net increase (decrease) in cash, cash equivalents and restricted cash	902,721	(266,197)
Cash, cash equivalents and restricted cash at beginning of period	1,118,132	4,064,657
Cash, cash equivalents and restricted cash at end of period	2,020,853	3,798,460
Cash paid (received) during the period for:
Interest	76,589	9,022
Income taxes	(1)	204
Loans transferred to other real estate owned	1,652	165
Loans transferred from loans held for sale to loans held for investment	5,734	71,727
Right-of-use assets obtained in exchange for new operating lease liabilities	1,942	1,537
Assets acquired in business acquisitions	0	10,023
Liabilities assumed in business acquisitions	0	(3,214)
Change in unrealized loss on securities available-for-sale, net of tax	10,926	(17,431)
Security purchases settled in a subsequent period	$ 0	$ (36,216)

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
BASIS OF PRESENTATION AND ACCOUNTING POLICIES	Mar. 31, 2023
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, 2023, the Bank operated 164 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 three months ended March 31, 2023 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, 2022. 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. There was no restricted cash held at both March 31, 2023 and December 31, 2022. Reclassifications Certain reclassifications of prior year amounts have been made to conform with the current year presentations. The reclassifications had no effect on net income or shareholders' equity as previously reported. Accounting Standards Adopted in 2023 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 write-offs by year of origination. The Company adopted this ASU effective January 1, 2022 on a prospective basis, except for the amendments related to recognition and measurement of TDRs, which were adopted using the modified retrospective method. The adoption was not material and resulted in a reduction to the allowance for credit losses of $1.7 million and an increase to retained earnings of $1.3 million.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
INVESTMENT SECURITIES	Mar. 31, 2023
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 Allowance for Credit Losses Gross Gross Estimated March 31, 2023 U.S. Treasuries $ 776,583 $ — $ 911 $ (11,365) $ 766,129 U.S. government-sponsored agencies 1,032 — — (45) 987 State, county and municipal securities 33,965 — 21 (773) 33,213 Corporate debt securities 16,397 (82) — (705) 15,610 SBA pool securities 26,942 — 3 (1,603) 25,342 Mortgage-backed securities 686,223 — 317 (30,985) 655,555 Total debt securities available-for-sale $ 1,541,142 $ (82) $ 1,252 $ (45,476) $ 1,496,836 December 31, 2022 U.S. Treasuries $ 775,784 $ — $ 131 $ (16,381) $ 759,534 U.S. government-sponsored agencies 1,036 — — (57) 979 State, county and municipal securities 35,358 — 17 (1,180) 34,195 Corporate debt securities 16,397 (75) — (396) 15,926 SBA pool securities 29,422 — 3 (2,027) 27,398 Mortgage-backed securities 701,008 — 113 (39,093) 662,028 Total debt securities available-for-sale $ 1,559,005 $ (75) $ 264 $ (59,134) $ 1,500,060 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, 2023 State, county and municipal securities $ 31,905 $ — $ (4,575) $ 27,330 Mortgage-backed securities 102,270 — (13,507) 88,763 Total debt securities held-to-maturity $ 134,175 $ — $ (18,082) $ 116,093 December 31, 2022 State, county and municipal securities $ 31,905 $ — $ (5,380) $ 26,525 Mortgage-backed securities 102,959 — (14,946) 88,013 Total debt securities held-to-maturity $ 134,864 $ — $ (20,326) $ 114,538 The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of March 31, 2023, 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 $ 76,191 $ 75,649 $ — $ — Due from one year to five years 732,862 722,272 — — Due from five to ten years 23,108 22,363 — — Due after ten years 22,758 20,997 31,905 27,330 Mortgage-backed securities 686,223 655,555 102,270 88,763 $ 1,541,142 $ 1,496,836 $ 134,175 $ 116,093 Securities with a carrying value of approximately $927.7 million and $861.6 million at March 31, 2023 and December 31, 2022, respectively, serve as collateral to secure public deposits 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, 2023 and December 31, 2022: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2023 U.S. Treasuries $ 509,696 $ (9,501) $ 73,070 $ (1,864) $ 582,766 $ (11,365) U.S. government-sponsored agencies — — 987 (45) 987 (45) State, county and municipal securities 11,374 (174) 12,223 (599) 23,597 (773) Corporate debt securities 888 (10) 13,223 (695) 14,111 (705) SBA pool securities 472 (20) 24,660 (1,583) 25,132 (1,603) Mortgage-backed securities 369,445 (14,305) 261,152 (16,680) 630,597 (30,985) Total debt securities available-for-sale $ 891,875 $ (24,010) $ 385,315 $ (21,466) $ 1,277,190 $ (45,476) December 31, 2022 U.S. Treasuries $ 725,250 $ (16,381) $ — $ — $ 725,250 $ (16,381) U.S. government sponsored agencies 979 (57) — — 979 (57) State, county and municipal securities 27,438 (1,180) — — 27,438 (1,180) Corporate debt securities 13,271 (126) 1,155 (270) 14,426 (396) SBA pool securities 17,806 (1,298) 9,329 (729) 27,135 (2,027) Mortgage-backed securities 620,544 (37,774) 16,847 (1,319) 637,391 (39,093) Total debt securities available-for-sale $ 1,405,288 $ (56,816) $ 27,331 $ (2,318) $ 1,432,619 $ (59,134) As of March 31, 2023, the Company’s available-for-sale security portfolio consisted of 438 securities, 410 of which were in an unrealized loss position. At March 31, 2023, the Company held 329 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, 2023, the Company held 30 U.S. Small Business Administration (“SBA”) pool securities, 24 state, county and municipal securities, six corporate securities, one U.S. government-sponsored agency security, and 20 U.S. Treasury securities that were in an unrealized loss position. The following table shows the gross unrealized losses and estimated fair value of held-to-maturity securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at March 31, 2023 and December 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, 2023 State, county and municipal securities $ 7,746 $ (254) $ 19,584 $ (4,321) $ 27,330 $ (4,575) Mortgage-backed securities 32,750 (1,650) 56,013 (11,857) 88,763 (13,507) Total debt securities held-to-maturity $ 40,496 $ (1,904) $ 75,597 $ (16,178) $ 116,093 $ (18,082) December 31, 2022 State, county and municipal securities $ 16,512 $ (1,488) $ 10,013 $ (3,892) $ 26,525 $ (5,380) Mortgage-backed securities 32,471 (1,925) 55,542 (13,021) 88,013 (14,946) Total debt securities held-to-maturity $ 48,983 $ (3,413) $ 65,555 $ (16,913) $ 114,538 $ (20,326) As of March 31, 2023, the Company’s held-to-maturity security portfolio consisted of 25 securities, all of which were in an unrealized loss position. At March 31, 2023, the Company held 19 mortgage-backed securities and six state, county and municipal securities that were in an unrealized loss position. At March 31, 2023 and December 31, 2022, 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, 2023, 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, 2023, management determined that $82,000 was attributable to credit impairment and an allowance for credit losses was recorded. The remaining $45.5 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 2023 2022 Beginning balance $ 75 $ — Provision for other credit losses 7 — Ending balance $ 82 $ — The Company's held-to-maturity securities have no expected credit losses, and no related allowance for credit losses has been established. Total net gain (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, 2023 and 2022: Three Months Ended March 31, (dollars in thousands) 2023 2022 Unrealized holding gains (losses) on equity securities $ 6 $ (27) Net gain (loss) on securities $ 6 $ (27)

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES	Mar. 31, 2023
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, 2023 December 31, 2022 Commercial, financial and agricultural $ 2,722,180 $ 2,679,403 Consumer 349,775 384,037 Indirect automobile 83,466 108,648 Mortgage warehouse 958,418 1,038,924 Municipal 505,515 509,151 Premium finance 947,257 1,023,479 Real estate – construction and development 2,144,605 2,086,438 Real estate – commercial and farmland 7,721,732 7,604,867 Real estate – residential 4,564,923 4,420,306 $ 19,997,871 $ 19,855,253 Accrued interest receivable on loans is reported in other assets on the consolidated balance sheets totaling $68.0 million and $69.3 million at March 31, 2023 and December 31, 2022, respectively. The Company had no recorded allowance for credit related to accrued interest on loans at both March 31, 2023 and December 31, 2022. 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, 2023 December 31, 2022 Commercial, financial and agricultural $ 11,583 $ 11,094 Consumer 400 420 Indirect automobile 285 346 Real estate – construction and development 548 523 Real estate – commercial and farmland 14,416 13,203 Real estate – residential (1) 115,795 109,222 $ 143,027 $ 134,808 (1) Included in real estate - residential were $75.0 million and $69.6 million of serviced GNMA-guaranteed nonaccrual loans at March 31, 2023 and December 31, 2022, respectively. There was no interest income recognized on nonaccrual loans during the three months ended March 31, 2023 and 2022. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) March 31, 2023 December 31, 2022 Commercial, financial and agricultural $ 1,452 $ 33 Real estate – commercial and farmland 2,510 1,464 Real estate – residential 67,535 58,734 $ 71,497 $ 60,231 The following table presents an analysis of past-due loans as of March 31, 2023 and December 31, 2022: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 March 31, 2023 Commercial, financial and agricultural $ 12,302 $ 5,307 $ 13,381 $ 30,990 $ 2,691,190 $ 2,722,180 $ 3,969 Consumer 5,314 2,835 632 8,781 340,994 349,775 409 Indirect automobile 190 122 157 469 82,997 83,466 Mortgage warehouse — — — — 958,418 958,418 — Municipal — — — — 505,515 505,515 — Premium finance 9,922 6,102 11,414 27,438 919,819 947,257 11,414 Real estate – construction and development 1,727 — 463 2,190 2,142,415 2,144,605 — Real estate – commercial and farmland 6,723 5,801 10,887 23,411 7,698,321 7,721,732 — Real estate – residential 33,775 9,199 111,706 154,680 4,410,243 4,564,923 — Total $ 69,953 $ 29,366 $ 148,640 $ 247,959 $ 19,749,912 $ 19,997,871 $ 15,792 December 31, 2022 Commercial, financial and agricultural $ 16,219 $ 5,451 $ 11,632 $ 33,302 $ 2,646,101 $ 2,679,403 $ 3,267 Consumer 2,539 3,163 741 6,443 377,594 384,037 472 Indirect automobile 466 77 267 810 107,838 108,648 — Mortgage warehouse — — — — 1,038,924 1,038,924 — Municipal — — — — 509,151 509,151 — Premium finance 13,859 10,620 13,626 38,105 985,374 1,023,479 13,626 Real estate – construction and development 25,367 3,829 966 30,162 2,056,276 2,086,438 500 Real estate – commercial and farmland 1,738 168 10,223 12,129 7,592,738 7,604,867 — Real estate – residential 35,015 11,329 106,170 152,514 4,267,792 4,420,306 — Total $ 95,203 $ 34,637 $ 143,625 $ 273,465 $ 19,581,788 $ 19,855,253 $ 17,865 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, 2023 December 31, 2022 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 8,451 $ 5,740 $ 7,128 $ 6,294 Mortgage warehouse 16,500 — — — Premium finance 694 — 3,233 — Real estate – construction and development 280 23 780 13 Real estate – commercial and farmland 12,554 1,104 15,168 1,428 Real estate – residential 18,683 2,093 15,464 2,066 $ 57,162 $ 8,960 $ 41,773 $ 9,801 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, 2023 and December 31, 2022. 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 8 or 9 at March 31, 2023 or December 31, 2022. As of March 31, 2023 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2023 2022 2021 2020 2019 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 334,129 $ 988,365 $ 485,629 $ 154,912 $ 95,530 $ 84,470 $ 556,049 $ 2,699,084 6 — 89 67 194 173 2,145 363 3,031 7 5,683 1,736 2,806 1,196 3,576 2,973 2,095 20,065 Total commercial, financial and agricultural $ 339,812 $ 990,190 $ 488,502 $ 156,302 $ 99,279 $ 89,588 $ 558,507 $ 2,722,180 Current-period gross charge offs 150 7,226 3,457 597 368 410 25 12,233 Consumer Risk Grade: Pass $ 23,767 $ 27,439 $ 10,479 $ 34,256 $ 21,350 $ 28,171 $ 202,965 $ 348,427 6 — 25 — 2 — 95 197 319 7 — 83 30 203 152 439 122 1,029 Total consumer $ 23,767 $ 27,547 $ 10,509 $ 34,461 $ 21,502 $ 28,705 $ 203,284 $ 349,775 Current-period gross charge offs — 71 44 416 147 405 57 1,140 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ — $ 10,128 $ 72,628 $ — $ 82,756 6 — — — — — 8 — 8 7 — — — — 38 664 — 702 Total indirect automobile $ — $ — $ — $ — $ 10,166 $ 73,300 $ — $ 83,466 Current-period gross charge offs — — — — — 34 — 34 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 882,183 $ 882,183 6 — — — — — — 57,578 57,578 7 — — — — — — 18,657 18,657 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 958,418 $ 958,418 Current-period gross charge offs — — — — — — — — Municipal Risk Grade: Pass $ 2,544 $ 18,003 $ 53,717 $ 186,274 $ 8,749 $ 236,228 $ — $ 505,515 Total municipal $ 2,544 $ 18,003 $ 53,717 $ 186,274 $ 8,749 $ 236,228 $ — $ 505,515 Current-period gross charge offs — — — — — — — — Premium Finance Risk Grade: Pass $ 423,901 $ 505,791 $ 6,145 $ 6 $ — $ — $ — $ 935,843 7 20 11,336 58 — — — — 11,414 Total premium finance $ 423,921 $ 517,127 $ 6,203 $ 6 $ — $ — $ — $ 947,257 Current-period gross charge offs — 1,154 267 — — — — 1,421 As of March 31, 2023 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2023 2022 2021 2020 2019 Prior Total Real Estate – Construction and Development Risk Grade: Pass $ 81,481 $ 900,977 $ 757,046 $ 263,122 $ 67,158 $ 37,665 $ 24,214 $ 2,131,663 6 — — — — — 632 — 632 7 — 274 285 164 5 11,582 — 12,310 Total real estate – construction and development $ 81,481 $ 901,251 $ 757,331 $ 263,286 $ 67,163 $ 49,879 $ 24,214 $ 2,144,605 Current-period gross charge offs — — — — — — — — Real Estate – Commercial and Farmland Risk Grade: Pass $ 172,639 $ 1,812,054 $ 1,967,480 $ 1,073,741 $ 858,980 $ 1,649,014 $ 95,182 $ 7,629,090 6 — — — — 30,335 20,073 — 50,408 7 — 423 2,423 3,056 11,758 24,574 — 42,234 Total real estate – commercial and farmland $ 172,639 $ 1,812,477 $ 1,969,903 $ 1,076,797 $ 901,073 $ 1,693,661 $ 95,182 $ 7,721,732 Current-period gross charge offs — — — — — — — — Real Estate - Residential Risk Grade: Pass $ 208,784 $ 1,498,532 $ 1,198,924 $ 539,228 $ 262,709 $ 491,267 $ 240,227 $ 4,439,671 6 — 235 144 268 745 2,597 378 4,367 7 109 10,186 24,809 28,094 26,597 29,405 1,685 120,885 Total real estate - residential $ 208,893 $ 1,508,953 $ 1,223,877 $ 567,590 $ 290,051 $ 523,269 $ 242,290 $ 4,564,923 Current-period gross charge offs 24 — — — — 100 4 128 Total Loans Risk Grade: Pass $ 1,247,245 $ 5,751,161 $ 4,479,420 $ 2,251,539 $ 1,324,604 $ 2,599,443 $ 2,000,820 $ 19,654,232 6 — 349 211 464 31,253 25,550 58,516 116,343 7 5,812 24,038 30,411 32,713 42,126 69,637 22,559 227,296 Total loans $ 1,253,057 $ 5,775,548 $ 4,510,042 $ 2,284,716 $ 1,397,983 $ 2,694,630 $ 2,081,895 $ 19,997,871 Total current-period gross charge offs 174 8,451 3,768 1,013 515 949 86 14,956 As of December 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 $ 1,127,120 $ 526,043 $ 174,120 $ 109,091 $ 56,657 $ 41,612 $ 621,784 $ 2,656,427 6 — 13 94 183 895 1,774 317 3,276 7 8,565 1,214 1,182 3,314 545 2,759 2,121 19,700 Total commercial, financial and agricultural $ 1,135,685 $ 527,270 $ 175,396 $ 112,588 $ 58,097 $ 46,145 $ 624,222 $ 2,679,403 Consumer Risk Grade: Pass $ 41,487 $ 12,692 $ 37,906 $ 23,454 $ 17,144 $ 13,825 $ 236,113 $ 382,621 6 38 — — — — 98 196 332 7 68 62 216 106 118 431 83 1,084 Total consumer $ 41,593 $ 12,754 $ 38,122 $ 23,560 $ 17,262 $ 14,354 $ 236,392 $ 384,037 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ 11,900 $ 50,749 $ 45,120 $ — $ 107,769 6 — — — — — 11 — 11 7 — — — 41 149 678 — 868 Total indirect automobile $ — $ — $ — $ 11,941 $ 50,898 $ 45,809 $ — $ 108,648 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 990,106 $ 990,106 6 — — — — — — 22,831 22,831 7 — — — — — — 25,987 25,987 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 1,038,924 $ 1,038,924 Municipal Risk Grade: Pass $ 18,074 $ 46,809 $ 188,507 $ 9,752 $ 4,358 $ 241,651 $ — $ 509,151 Total municipal $ 18,074 $ 46,809 $ 188,507 $ 9,752 $ 4,358 $ 241,651 $ — $ 509,151 Premium Finance Risk Grade: Pass $ 1,000,214 $ 9,667 $ 12 $ — $ — $ — $ — $ 1,009,893 7 13,051 535 — — — — — 13,586 Total premium finance $ 1,013,265 $ 10,202 $ 12 $ — $ — $ — $ — $ 1,023,479 Real Estate – Construction and Development Risk Grade: Pass $ 834,831 $ 793,723 $ 306,084 $ 69,596 $ 7,934 $ 31,490 $ 27,474 $ 2,071,132 6 277 — — — 173 165 — 615 7 — 783 164 5 13,159 580 — 14,691 Total real estate – construction and development $ 835,108 $ 794,506 $ 306,248 $ 69,601 $ 21,266 $ 32,235 $ 27,474 $ 2,086,438 As of December 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 $ 1,739,021 $ 1,975,003 $ 1,085,086 $ 869,116 $ 447,311 $ 1,259,763 $ 110,848 $ 7,486,148 6 607 17,974 — 30,841 4,801 18,289 — 72,512 7 387 2,810 3,078 12,007 6,527 21,398 — 46,207 Total real estate – commercial and farmland $ 1,740,015 $ 1,995,787 $ 1,088,164 $ 911,964 $ 458,639 $ 1,299,450 $ 110,848 $ 7,604,867 Real Estate - Residential Risk Grade: Pass $ 1,524,021 $ 1,214,724 $ 548,968 $ 268,821 $ 115,693 $ 393,570 $ 234,684 $ 4,300,481 6 236 145 94 688 364 2,910 600 5,037 7 6,735 21,283 25,860 27,173 14,396 17,665 1,676 114,788 Total real estate - residential $ 1,530,992 $ 1,236,152 $ 574,922 $ 296,682 $ 130,453 $ 414,145 $ 236,960 $ 4,420,306 Total Loans Risk Grade: Pass $ 6,284,768 $ 4,578,661 $ 2,340,683 $ 1,361,730 $ 699,846 $ 2,027,031 $ 2,221,009 $ 19,513,728 6 1,158 18,132 188 31,712 6,233 23,247 23,944 104,614 7 28,806 26,687 30,500 42,646 34,894 43,511 29,867 236,911 Total loans $ 6,314,732 $ 4,623,480 $ 2,371,371 $ 1,436,088 $ 740,973 $ 2,093,789 $ 2,274,820 $ 19,855,253 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. 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 after the reasonable and supportable forecast period. During the three months ended March 31, 2023, the allowance for credit losses increased due to a decline in forecasted macroeconomic factors, particularly residential and commercial real estate price indices and organic loan growth during the period. The allowance for credit losses was determined at March 31, 2023 using a weighting of two economic forecasts from Moody's in order to align with management's best estimate over the reasonable and supportable forecast period. The Moody's baseline scenario was weighted at 75% and the upside 10th percentile S-1 scenario was weighted at 25%. The allowance for credit losses was determined at December 31, 2022 solely using the Moody's baseline scenario economic forecast. The current forecast reflects, among other things, declines in forecast levels of home prices and commercial real estate prices compared with the forecast at December 31, 2022. 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, 2023 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2022 $ 39,455 $ 5,413 $ 174 $ 2,118 $ 357 $ 1,025 Adjustment to allowance for adoption of ASU 2022-02 (105) — — — — — Provision for loan losses 16,078 323 (219) (194) (3) (93) Loans charged off (12,233) (1,140) (34) — — (1,421) Recoveries of loans previously charged off 2,043 297 216 — — 1,382 Balance, March 31, 2023 $ 45,238 $ 4,893 $ 137 $ 1,924 $ 354 $ 893 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2022 $ 32,659 $ 67,433 $ 57,043 $ 205,677 Adjustment to allowance for adoption of ASU 2022-02 (37) (722) (847) (1,711) Provision for loan losses 10,119 20,369 2,996 49,376 Loans charged off — — (128) (14,956) Recoveries of loans previously charged off 100 44 190 4,272 Balance, March 31, 2023 $ 42,841 $ 87,124 $ 59,254 $ 242,658 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 Modifications to Borrowers Experiencing Financial Difficulty The Company periodically provides modifications to borrowers experiencing financial difficulty. These modifications include either payment deferrals, term extensions, interest rate reductions, principal forgiveness or combinations of modification types. The determination of whether the borrower is experiencing financial difficulty is made on the date of the modification. When principal forgiveness is provided, the amount of principal forgiveness is charged off against the allowance for credit losses with a corresponding reduction in the amortized cost basis of the loan. The following table shows the amortized cost basis of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted: (dollars in thousands) Payment Deferral Total Percentage of Total Class of Financial Receivable Commercial, financial and agricultural $ 843 $ 843 — % Total $ 843 $ 843 — % The Company does not have any commitments to lend additional funds to borrowers experiencing financial difficulty for which the Company has modified their loans. The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty: Payment Deferral Loan Type Financial Effect Commercial, financial and agricultural Payments were reduced approximately 32% for three months before returning to a fully amortizing payment structure thereafter. The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months: (dollars in thousands) Current 30-59 60-89 90 or More Days Past Due Commercial, financial and agricultural $ 843 $ — $ — $ — Total $ 843 $ — $ — $ —

OTHER BORROWINGS

OTHER BORROWINGS	3 Months Ended
OTHER BORROWINGS	Mar. 31, 2023
Debt Disclosure [Abstract]
OTHER BORROWINGS	NOTE 4 – OTHER BORROWINGS Other borrowings consist of the following: (dollars in thousands) March 31, 2023 December 31, 2022 FHLB borrowings: Fixed Rate Advance due January 9, 2023; fixed interest rate of 4.150% $ — $ 300,000 Fixed Rate Advance due January 9, 2023; fixed interest rate of 4.110% — 50,000 Fixed Rate Advance due January 12, 2023; fixed interest rate of 4.140% — 50,000 Fixed Rate Advance due January 13, 2023; fixed interest rate of 4.150% — 50,000 Fixed Rate Advance due January 17, 2023; fixed interest rate of 4.170% — 350,000 Fixed Rate Advance due January 17, 2023; fixed interest rate of 4.250% — 150,000 Fixed Rate Advance due January 18, 2023; fixed interest rate of 4.260% — 200,000 Fixed Rate Advance due January 19, 2023; fixed interest rate of 4.230% — 50,000 Fixed Rate Advance due January 20, 2023; fixed interest rate of 4.220% — 150,000 Fixed Rate Advance due January 27, 2023; fixed interest rate of 4.230% — 100,000 Fixed Rate Advance due April 5, 2023; fixed interest rate of 4.790% 350,000 — Fixed Rate Advance due April 10, 2023; fixed interest rate of 4.780% 50,000 — Fixed Rate Advance due April 12, 2023; fixed interest rate of 4.880% 375,000 — Fixed Rate Advance due April 12, 2023; fixed interest rate of 4.880% 75,000 — Fixed Rate Advance due April 13, 2023; fixed interest rate of 4.930% 100,000 — Fixed Rate Advance due April 14, 2023; fixed interest rate of 4.960% 50,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960% 25,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960% 125,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960% 100,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930% 100,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930% 100,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930% 50,000 — Fixed Rate Advance due April 19, 2023; fixed interest rate of 4.880% 300,000 — Fixed Rate Advance due April 19, 2023; fixed interest rate of 4.880% 50,000 — Fixed Rate Advance due April 20, 2023; fixed interest rate of 4.860% 200,000 — 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% 1,386 1,389 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 959 961 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,239 1,275 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $0 and $551, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% — 74,449 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,618 and $1,680, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,382 118,320 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $875 and $906, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 75,875 75,906 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,514 and $1,564, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,486 108,436 $ 2,401,327 $ 1,875,736 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, 2023, $2.38 billion was available for borrowing on lines with the FHLB. As of March 31, 2023, the Bank maintained credit arrangements with various financial institutions to purchase federal funds up to $127.0 million.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	3 Months Ended
ACCUMULATED OTHER COMPREHENSIVE INCOME	Mar. 31, 2023
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME	NOTE 5 – 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, 2023 Balance, December 31, 2022 $ (46,507) $ (46,507) Reclassification for gains included in net income, net of tax — — Current year changes, net of tax 10,926 10,926 Balance, March 31, 2023 $ (35,581) $ (35,581) Three Months Ended March 31, 2022 Balance, December 31, 2021 $ 15,590 $ 15,590 Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (17,431) (17,431) Balance, March 31, 2022 $ (1,841) $ (1,841)

WEIGHTED AVERAGE SHARES OUTSTAN

WEIGHTED AVERAGE SHARES OUTSTANDING	3 Months Ended
WEIGHTED AVERAGE SHARES OUTSTANDING	Mar. 31, 2023
Earnings Per Share [Abstract]
WEIGHTED AVERAGE SHARES OUTSTANDING	NOTE 6 – 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) 2023 2022 Average common shares outstanding 69,172 69,346 Common share equivalents: Stock options — 31 Nonvested restricted share grants 98 167 Performance stock units 53 117 Average common shares outstanding, assuming dilution 69,323 69,661 For the three months ended March 31, 2023, there were 84,487 anti-dilutive performance stock units excluded from the computation of earnings per share. There were no anti-dilutive securities excluded from the computation of earnings per share for the three months ended March 31, 2022.

FAIR VALUE MEASURES

FAIR VALUE MEASURES	3 Months Ended
FAIR VALUE MEASURES	Mar. 31, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE MEASURES	NOTE 7 – 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, 2023 December 31, 2022 Mortgage loans held for sale $ 390,201 $ 390,583 SBA loans held for sale 4,895 1,495 Total loans held for sale $ 395,096 $ 392,078 The Company has elected to record mortgage loans held for sale at fair value in order to eliminate the complexities and inherent difficulties of achieving hedge accounting and to better align reported results with the underlying economic changes in value of the loans and related hedge instruments. This election impacts the timing and recognition of origination fees and costs, as well as servicing value, which are now recognized in earnings at the time of origination. Interest income on mortgage loans held for sale is recorded on an accrual basis in the consolidated statements of income and comprehensive income under the heading interest income – interest and fees on loans. The servicing value is included in the fair value of the interest rate lock commitments (“IRLCs”) with borrowers. The mark to market adjustments related to mortgage loans held for sale and the associated economic hedges are captured in mortgage banking activities. A net gain of $5.6 million resulting from changes in fair value of these mortgage loans was recorded in income during the three months ended March 31, 2023. For the three months ended March 31, 2022, a net loss of $43.9 million resulting from changes in fair value of these mortgage loans were recorded in income. A net loss of $2.9 million resulting from changes in the fair value of the related derivative financial instruments used to hedge exposure to the market-related risks associated with these mortgage loans were recorded in income during the three months ended March 31, 2023. For the three months ended March 31, 2022, a net gain of $26.0 million resulting from changes in the fair value of the related derivative financial instruments were 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, 2023 and December 31, 2022: (dollars in thousands) March 31, 2023 December 31, 2022 Aggregate fair value of mortgage loans held for sale $ 390,201 $ 390,583 Aggregate unpaid principal balance of mortgage loans held for sale 383,629 389,610 Past-due loans of 90 days or more 624 — Nonaccrual loans 624 — Unpaid principal balance of nonaccrual loans 608 — 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, 2023 and December 31, 2022: (dollars in thousands) March 31, 2023 December 31, 2022 Aggregate fair value of SBA loans held for sale $ 4,895 $ 1,495 Aggregate unpaid principal balance of SBA loans held for sale 4,779 1,350 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, 2023 and December 31, 2022: Recurring Basis March 31, 2023 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. Treasuries $ 766,129 $ 766,129 $ — $ — U.S. government sponsored agencies 987 — 987 — State, county and municipal securities 33,213 — 33,213 — Corporate debt securities 15,610 — 14,710 900 SBA pool securities 25,342 — 25,342 — Mortgage-backed securities 655,555 — 655,555 — Loans held for sale 395,096 — 395,096 — Derivative financial instruments 4,109 — 4,109 — Mortgage banking derivative instruments 6,447 — 6,447 — Total recurring assets at fair value $ 1,902,488 $ 766,129 $ 1,135,459 $ 900 Financial liabilities: Derivative financial instruments $ 4,429 $ — $ 4,429 $ — Mortgage banking derivative instruments 5,377 — 5,377 — Total recurring liabilities at fair value $ 9,806 $ — $ 9,806 $ — Recurring Basis December 31, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. Treasuries $ 759,534 $ 759,534 $ — $ — U.S. government sponsored agencies 979 — 979 — State, county and municipal securities 34,195 — 34,195 — Corporate debt securities 15,926 — 14,771 1,155 SBA pool securities 27,398 — 27,398 — Mortgage-backed securities 662,028 — 662,028 — Loans held for sale 392,078 — 392,078 — Derivative financial instruments 4,580 — 4,580 — Mortgage banking derivative instruments 3,933 — 3,933 — Total recurring assets at fair value $ 1,900,651 $ 759,534 $ 1,139,962 $ 1,155 Financial liabilities: Derivative financial instruments $ 4,574 $ — $ 4,574 $ — Total recurring liabilities at fair value $ 4,574 $ — $ 4,574 $ — 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, 2023 and December 31, 2022: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 March 31, 2023 Collateral-dependent loans $ 48,202 $ — $ — $ 48,202 Other real estate owned 755 — — 755 Total nonrecurring assets at fair value $ 48,957 $ — $ — $ 48,957 December 31, 2022 Collateral-dependent loans $ 31,972 $ — $ — $ 31,972 Total nonrecurring assets at fair value $ 31,972 $ — $ — $ 31,972 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, 2023 and the year ended December 31, 2022, 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, 2023 Recurring: Debt securities available-for-sale $ 900 Discounted cash flows Probability of Default 12.8% 12.8% Loss Given Default 43% 43% Nonrecurring: Collateral-dependent loans $ 48,202 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 21% Other real estate owned $ 755 Third-party appraisals and sales contracts Collateral discounts and estimated 25% - 40% 29% December 31, 2022 Recurring: Debt securities available-for-sale $ 1,155 Discounted cash flows Probability of Default 12.1% 12.1% Loss Given Default 41% 41% Nonrecurring: Collateral-dependent loans $ 31,972 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 48% 27% 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, 2023 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 266,400 $ 266,400 $ — $ — $ 266,400 Federal funds sold and interest-bearing accounts 1,754,453 1,754,453 — — 1,754,453 Debt securities held-to-maturity 134,175 — 116,093 — 116,093 Loans, net 19,707,011 — — 19,076,408 19,076,408 Accrued interest receivable 74,698 — 6,736 67,962 74,698 Financial liabilities: Deposits 19,897,455 — 19,855,914 — 19,855,914 Other borrowings 2,401,327 — 2,371,530 — 2,371,530 Subordinated deferrable interest debentures 128,820 — 124,309 — 124,309 Accrued interest payable 18,005 — 18,005 — 18,005 Fair Value Measurements December 31, 2022 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 284,567 $ 284,567 $ — $ — $ 284,567 Federal funds sold and interest-bearing accounts 833,565 833,565 — — 833,565 Debt securities held-to-maturity 134,864 — 114,538 114,538 Loans, net 19,617,604 — — 19,067,612 19,067,612 Accrued interest receivable 77,042 — 7,694 69,348 77,042 Financial liabilities: Deposits 19,462,738 — 19,455,187 — 19,455,187 Other borrowings 1,875,736 — 1,861,850 — 1,861,850 Subordinated deferrable interest debentures 128,322 — 125,988 — 125,988 Accrued interest payable 10,530 — 10,530 — 10,530

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
COMMITMENTS AND CONTINGENCIES	Mar. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 8 – 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, 2023 December 31, 2022 Commitments to extend credit $ 5,915,387 $ 6,318,039 Unused home equity lines of credit 364,479 345,001 Financial standby letters of credit 30,926 33,557 Mortgage interest rate lock commitments 357,980 148,148 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, 2023 and the year ended December 31, 2022. 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) 2023 2022 Balance at beginning of period $ 52,411 $ 33,185 Provision for unfunded commitments 346 9,009 Balance at end of period $ 52,757 $ 42,194 Other Commitments As of March 31, 2023, letters of credit issued by the FHLB totaling $400.0 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.

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
SEGMENT REPORTING	Mar. 31, 2023
Segment Reporting [Abstract]
SEGMENT REPORTING	NOTE 9 – 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, 2023 and 2022: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 208,215 $ 48,589 $ 16,614 $ 4,375 $ 17,923 $ 295,716 Interest expense 32,887 28,562 10,914 2,418 9,283 84,064 Net interest income 175,328 20,027 5,700 1,957 8,640 211,652 Provision for credit losses 47,140 2,853 (194) (104) 34 49,729 Noninterest income 23,898 31,058 480 605 9 56,050 Noninterest expense Salaries and employee benefits 56,442 20,160 802 1,309 2,197 80,910 Occupancy and equipment 11,606 1,283 1 37 59 12,986 Data processing and communications expenses 11,797 1,069 46 37 85 13,034 Other expenses 19,023 11,747 202 422 1,097 32,491 Total noninterest expense 98,868 34,259 1,051 1,805 3,438 139,421 Income before income tax expense 53,218 13,973 5,323 861 5,177 78,552 Income tax expense 12,848 2,934 1,118 181 1,050 18,131 Net income $ 40,370 $ 11,039 $ 4,205 $ 680 $ 4,127 $ 60,421 Total assets $ 18,870,145 $ 4,879,135 $ 936,169 $ 272,844 $ 1,130,091 $ 26,088,384 Goodwill 951,148 — — — 64,498 1,015,646 Other intangible assets, net 93,285 — — — 8,203 101,488 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

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	3 Months Ended
LOAN SERVICING RIGHTS	Mar. 31, 2023
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	NOTE 10 – 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 servicing portfolios of residential mortgage and SBA loans. 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, 2023 December 31, 2022 Loan Servicing Rights Residential mortgage $ 149,986 $ 147,014 SBA 3,166 3,443 Total loan servicing rights $ 153,152 $ 150,457 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, 2023, the Company recorded servicing fee income of $14.0 million. During the three-months ended March 31, 2022, the Company recorded servicing fee income of $17.1 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 2023 2022 Beginning carrying value, net $ 147,014 $ 206,944 Additions 7,730 21,701 Amortization (4,758) (6,062) Recoveries — 9,653 Ending carrying value, net $ 149,986 $ 232,236 (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing valuation allowance 2023 2022 Beginning balance $ — $ 25,782 Recoveries — (9,653) Ending balance $ — $ 16,129 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, 2023 December 31, 2022 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 10,581,669 $ 10,046,052 Composition of residential loans serviced for others: FHLMC 16.82 % 16.80 % FNMA 50.19 % 50.09 % GNMA 32.99 % 33.11 % Total 100.00 % 100.00 % Weighted average term (months) 354 353 Weighted average age (months) 24 22 Modeled prepayment speed 8.55 % 8.22 % Decline in fair value due to a 10% adverse change (3,940) (5,800) Decline in fair value due to a 20% adverse change (8,283) (11,184) Weighted average discount rate 10.73 % 10.00 % Decline in fair value due to a 10% adverse change (4,840) (6,413) Decline in fair value due to a 20% adverse change (10,361) (12,330) 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, 2023, the Company recorded servicing fee income of $752,000. During the three-months ended March 31, 2022, the Company recorded servicing fee income of $876,000. 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 2023 2022 Beginning carrying value, net $ 3,443 $ 5,556 Additions 44 538 Amortization (321) (710) Ending carrying value, net $ 3,166 $ 5,384 (dollars in thousands) March 31, 2023 December 31, 2022 SBA servicing rights Unpaid principal balance of loans serviced for others $ 311,532 $ 326,418 Weighted average life (in years) 3.69 3.69 Modeled prepayment speed 18.37 % 18.24 % Decline in fair value due to a 10% adverse change (187) (177) Decline in fair value due to a 20% adverse change (359) (340) Weighted average discount rate 15.98 % 19.57 % Decline in fair value due to a 100 basis point adverse change (88) (83) Decline in fair value due to a 200 basis point adverse change (173) (163) 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.

BASIS OF PRESENTATION AND ACC_2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	3 Months Ended
BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	Mar. 31, 2023
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, 2023, the Bank operated 164 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 three months ended March 31, 2023 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, 2022. 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. There was no restricted cash held at both March 31, 2023 and December 31, 2022.
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 2023	Accounting Standards Adopted in 2023 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 write-offs by year of origination. The Company adopted this ASU effective January 1, 2022 on a prospective basis, except for the amendments related to recognition and measurement of TDRs, which were adopted using the modified retrospective method. The adoption was not material and resulted in a reduction to the allowance for credit losses of $1.7 million and an increase to retained earnings of $1.3 million.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
INVESTMENT SECURITIES (Tables)	Mar. 31, 2023
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 Allowance for Credit Losses Gross Gross Estimated March 31, 2023 U.S. Treasuries $ 776,583 $ — $ 911 $ (11,365) $ 766,129 U.S. government-sponsored agencies 1,032 — — (45) 987 State, county and municipal securities 33,965 — 21 (773) 33,213 Corporate debt securities 16,397 (82) — (705) 15,610 SBA pool securities 26,942 — 3 (1,603) 25,342 Mortgage-backed securities 686,223 — 317 (30,985) 655,555 Total debt securities available-for-sale $ 1,541,142 $ (82) $ 1,252 $ (45,476) $ 1,496,836 December 31, 2022 U.S. Treasuries $ 775,784 $ — $ 131 $ (16,381) $ 759,534 U.S. government-sponsored agencies 1,036 — — (57) 979 State, county and municipal securities 35,358 — 17 (1,180) 34,195 Corporate debt securities 16,397 (75) — (396) 15,926 SBA pool securities 29,422 — 3 (2,027) 27,398 Mortgage-backed securities 701,008 — 113 (39,093) 662,028 Total debt securities available-for-sale $ 1,559,005 $ (75) $ 264 $ (59,134) $ 1,500,060
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, 2023 State, county and municipal securities $ 31,905 $ — $ (4,575) $ 27,330 Mortgage-backed securities 102,270 — (13,507) 88,763 Total debt securities held-to-maturity $ 134,175 $ — $ (18,082) $ 116,093 December 31, 2022 State, county and municipal securities $ 31,905 $ — $ (5,380) $ 26,525 Mortgage-backed securities 102,959 — (14,946) 88,013 Total debt securities held-to-maturity $ 134,864 $ — $ (20,326) $ 114,538
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, 2023, 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 $ 76,191 $ 75,649 $ — $ — Due from one year to five years 732,862 722,272 — — Due from five to ten years 23,108 22,363 — — Due after ten years 22,758 20,997 31,905 27,330 Mortgage-backed securities 686,223 655,555 102,270 88,763 $ 1,541,142 $ 1,496,836 $ 134,175 $ 116,093
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, 2023 and December 31, 2022: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized March 31, 2023 U.S. Treasuries $ 509,696 $ (9,501) $ 73,070 $ (1,864) $ 582,766 $ (11,365) U.S. government-sponsored agencies — — 987 (45) 987 (45) State, county and municipal securities 11,374 (174) 12,223 (599) 23,597 (773) Corporate debt securities 888 (10) 13,223 (695) 14,111 (705) SBA pool securities 472 (20) 24,660 (1,583) 25,132 (1,603) Mortgage-backed securities 369,445 (14,305) 261,152 (16,680) 630,597 (30,985) Total debt securities available-for-sale $ 891,875 $ (24,010) $ 385,315 $ (21,466) $ 1,277,190 $ (45,476) December 31, 2022 U.S. Treasuries $ 725,250 $ (16,381) $ — $ — $ 725,250 $ (16,381) U.S. government sponsored agencies 979 (57) — — 979 (57) State, county and municipal securities 27,438 (1,180) — — 27,438 (1,180) Corporate debt securities 13,271 (126) 1,155 (270) 14,426 (396) SBA pool securities 17,806 (1,298) 9,329 (729) 27,135 (2,027) Mortgage-backed securities 620,544 (37,774) 16,847 (1,319) 637,391 (39,093) Total debt securities available-for-sale $ 1,405,288 $ (56,816) $ 27,331 $ (2,318) $ 1,432,619 $ (59,134)
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, 2023 and December 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, 2023 State, county and municipal securities $ 7,746 $ (254) $ 19,584 $ (4,321) $ 27,330 $ (4,575) Mortgage-backed securities 32,750 (1,650) 56,013 (11,857) 88,763 (13,507) Total debt securities held-to-maturity $ 40,496 $ (1,904) $ 75,597 $ (16,178) $ 116,093 $ (18,082) December 31, 2022 State, county and municipal securities $ 16,512 $ (1,488) $ 10,013 $ (3,892) $ 26,525 $ (5,380) Mortgage-backed securities 32,471 (1,925) 55,542 (13,021) 88,013 (14,946) Total debt securities held-to-maturity $ 48,983 $ (3,413) $ 65,555 $ (16,913) $ 114,538 $ (20,326)
Schedule of Investments Available-for-sale, Allowance for Credit Loss	The remaining $45.5 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 2023 2022 Beginning balance $ 75 $ — Provision for other credit losses 7 — Ending balance $ 82 $ —
Schedule of Gain (Loss) on Investments	Total net gain (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, 2023 and 2022: Three Months Ended March 31, (dollars in thousands) 2023 2022 Unrealized holding gains (losses) on equity securities $ 6 $ (27) Net gain (loss) on securities $ 6 $ (27)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	Mar. 31, 2023
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, 2023 December 31, 2022 Commercial, financial and agricultural $ 2,722,180 $ 2,679,403 Consumer 349,775 384,037 Indirect automobile 83,466 108,648 Mortgage warehouse 958,418 1,038,924 Municipal 505,515 509,151 Premium finance 947,257 1,023,479 Real estate – construction and development 2,144,605 2,086,438 Real estate – commercial and farmland 7,721,732 7,604,867 Real estate – residential 4,564,923 4,420,306 $ 19,997,871 $ 19,855,253
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, 2023 December 31, 2022 Commercial, financial and agricultural $ 11,583 $ 11,094 Consumer 400 420 Indirect automobile 285 346 Real estate – construction and development 548 523 Real estate – commercial and farmland 14,416 13,203 Real estate – residential (1) 115,795 109,222 $ 143,027 $ 134,808 (1) Included in real estate - residential were $75.0 million and $69.6 million of serviced GNMA-guaranteed nonaccrual loans at March 31, 2023 and December 31, 2022, respectively. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) March 31, 2023 December 31, 2022 Commercial, financial and agricultural $ 1,452 $ 33 Real estate – commercial and farmland 2,510 1,464 Real estate – residential 67,535 58,734 $ 71,497 $ 60,231
Summary of Past Due Financial Receivables	The following table presents an analysis of past-due loans as of March 31, 2023 and December 31, 2022: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 March 31, 2023 Commercial, financial and agricultural $ 12,302 $ 5,307 $ 13,381 $ 30,990 $ 2,691,190 $ 2,722,180 $ 3,969 Consumer 5,314 2,835 632 8,781 340,994 349,775 409 Indirect automobile 190 122 157 469 82,997 83,466 Mortgage warehouse — — — — 958,418 958,418 — Municipal — — — — 505,515 505,515 — Premium finance 9,922 6,102 11,414 27,438 919,819 947,257 11,414 Real estate – construction and development 1,727 — 463 2,190 2,142,415 2,144,605 — Real estate – commercial and farmland 6,723 5,801 10,887 23,411 7,698,321 7,721,732 — Real estate – residential 33,775 9,199 111,706 154,680 4,410,243 4,564,923 — Total $ 69,953 $ 29,366 $ 148,640 $ 247,959 $ 19,749,912 $ 19,997,871 $ 15,792 December 31, 2022 Commercial, financial and agricultural $ 16,219 $ 5,451 $ 11,632 $ 33,302 $ 2,646,101 $ 2,679,403 $ 3,267 Consumer 2,539 3,163 741 6,443 377,594 384,037 472 Indirect automobile 466 77 267 810 107,838 108,648 — Mortgage warehouse — — — — 1,038,924 1,038,924 — Municipal — — — — 509,151 509,151 — Premium finance 13,859 10,620 13,626 38,105 985,374 1,023,479 13,626 Real estate – construction and development 25,367 3,829 966 30,162 2,056,276 2,086,438 500 Real estate – commercial and farmland 1,738 168 10,223 12,129 7,592,738 7,604,867 — Real estate – residential 35,015 11,329 106,170 152,514 4,267,792 4,420,306 — Total $ 95,203 $ 34,637 $ 143,625 $ 273,465 $ 19,581,788 $ 19,855,253 $ 17,865
Analysis of Individually Evaluated Collateral-Dependent Financial Assets and Related Allowance for Credit Losses	The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: March 31, 2023 December 31, 2022 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 8,451 $ 5,740 $ 7,128 $ 6,294 Mortgage warehouse 16,500 — — — Premium finance 694 — 3,233 — Real estate – construction and development 280 23 780 13 Real estate – commercial and farmland 12,554 1,104 15,168 1,428 Real estate – residential 18,683 2,093 15,464 2,066 $ 57,162 $ 8,960 $ 41,773 $ 9,801
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, 2023 and December 31, 2022. 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 8 or 9 at March 31, 2023 or December 31, 2022. As of March 31, 2023 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2023 2022 2021 2020 2019 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 334,129 $ 988,365 $ 485,629 $ 154,912 $ 95,530 $ 84,470 $ 556,049 $ 2,699,084 6 — 89 67 194 173 2,145 363 3,031 7 5,683 1,736 2,806 1,196 3,576 2,973 2,095 20,065 Total commercial, financial and agricultural $ 339,812 $ 990,190 $ 488,502 $ 156,302 $ 99,279 $ 89,588 $ 558,507 $ 2,722,180 Current-period gross charge offs 150 7,226 3,457 597 368 410 25 12,233 Consumer Risk Grade: Pass $ 23,767 $ 27,439 $ 10,479 $ 34,256 $ 21,350 $ 28,171 $ 202,965 $ 348,427 6 — 25 — 2 — 95 197 319 7 — 83 30 203 152 439 122 1,029 Total consumer $ 23,767 $ 27,547 $ 10,509 $ 34,461 $ 21,502 $ 28,705 $ 203,284 $ 349,775 Current-period gross charge offs — 71 44 416 147 405 57 1,140 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ — $ 10,128 $ 72,628 $ — $ 82,756 6 — — — — — 8 — 8 7 — — — — 38 664 — 702 Total indirect automobile $ — $ — $ — $ — $ 10,166 $ 73,300 $ — $ 83,466 Current-period gross charge offs — — — — — 34 — 34 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 882,183 $ 882,183 6 — — — — — — 57,578 57,578 7 — — — — — — 18,657 18,657 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 958,418 $ 958,418 Current-period gross charge offs — — — — — — — — Municipal Risk Grade: Pass $ 2,544 $ 18,003 $ 53,717 $ 186,274 $ 8,749 $ 236,228 $ — $ 505,515 Total municipal $ 2,544 $ 18,003 $ 53,717 $ 186,274 $ 8,749 $ 236,228 $ — $ 505,515 Current-period gross charge offs — — — — — — — — Premium Finance Risk Grade: Pass $ 423,901 $ 505,791 $ 6,145 $ 6 $ — $ — $ — $ 935,843 7 20 11,336 58 — — — — 11,414 Total premium finance $ 423,921 $ 517,127 $ 6,203 $ 6 $ — $ — $ — $ 947,257 Current-period gross charge offs — 1,154 267 — — — — 1,421 As of March 31, 2023 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2023 2022 2021 2020 2019 Prior Total Real Estate – Construction and Development Risk Grade: Pass $ 81,481 $ 900,977 $ 757,046 $ 263,122 $ 67,158 $ 37,665 $ 24,214 $ 2,131,663 6 — — — — — 632 — 632 7 — 274 285 164 5 11,582 — 12,310 Total real estate – construction and development $ 81,481 $ 901,251 $ 757,331 $ 263,286 $ 67,163 $ 49,879 $ 24,214 $ 2,144,605 Current-period gross charge offs — — — — — — — — Real Estate – Commercial and Farmland Risk Grade: Pass $ 172,639 $ 1,812,054 $ 1,967,480 $ 1,073,741 $ 858,980 $ 1,649,014 $ 95,182 $ 7,629,090 6 — — — — 30,335 20,073 — 50,408 7 — 423 2,423 3,056 11,758 24,574 — 42,234 Total real estate – commercial and farmland $ 172,639 $ 1,812,477 $ 1,969,903 $ 1,076,797 $ 901,073 $ 1,693,661 $ 95,182 $ 7,721,732 Current-period gross charge offs — — — — — — — — Real Estate - Residential Risk Grade: Pass $ 208,784 $ 1,498,532 $ 1,198,924 $ 539,228 $ 262,709 $ 491,267 $ 240,227 $ 4,439,671 6 — 235 144 268 745 2,597 378 4,367 7 109 10,186 24,809 28,094 26,597 29,405 1,685 120,885 Total real estate - residential $ 208,893 $ 1,508,953 $ 1,223,877 $ 567,590 $ 290,051 $ 523,269 $ 242,290 $ 4,564,923 Current-period gross charge offs 24 — — — — 100 4 128 Total Loans Risk Grade: Pass $ 1,247,245 $ 5,751,161 $ 4,479,420 $ 2,251,539 $ 1,324,604 $ 2,599,443 $ 2,000,820 $ 19,654,232 6 — 349 211 464 31,253 25,550 58,516 116,343 7 5,812 24,038 30,411 32,713 42,126 69,637 22,559 227,296 Total loans $ 1,253,057 $ 5,775,548 $ 4,510,042 $ 2,284,716 $ 1,397,983 $ 2,694,630 $ 2,081,895 $ 19,997,871 Total current-period gross charge offs 174 8,451 3,768 1,013 515 949 86 14,956 As of December 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 $ 1,127,120 $ 526,043 $ 174,120 $ 109,091 $ 56,657 $ 41,612 $ 621,784 $ 2,656,427 6 — 13 94 183 895 1,774 317 3,276 7 8,565 1,214 1,182 3,314 545 2,759 2,121 19,700 Total commercial, financial and agricultural $ 1,135,685 $ 527,270 $ 175,396 $ 112,588 $ 58,097 $ 46,145 $ 624,222 $ 2,679,403 Consumer Risk Grade: Pass $ 41,487 $ 12,692 $ 37,906 $ 23,454 $ 17,144 $ 13,825 $ 236,113 $ 382,621 6 38 — — — — 98 196 332 7 68 62 216 106 118 431 83 1,084 Total consumer $ 41,593 $ 12,754 $ 38,122 $ 23,560 $ 17,262 $ 14,354 $ 236,392 $ 384,037 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ 11,900 $ 50,749 $ 45,120 $ — $ 107,769 6 — — — — — 11 — 11 7 — — — 41 149 678 — 868 Total indirect automobile $ — $ — $ — $ 11,941 $ 50,898 $ 45,809 $ — $ 108,648 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 990,106 $ 990,106 6 — — — — — — 22,831 22,831 7 — — — — — — 25,987 25,987 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 1,038,924 $ 1,038,924 Municipal Risk Grade: Pass $ 18,074 $ 46,809 $ 188,507 $ 9,752 $ 4,358 $ 241,651 $ — $ 509,151 Total municipal $ 18,074 $ 46,809 $ 188,507 $ 9,752 $ 4,358 $ 241,651 $ — $ 509,151 Premium Finance Risk Grade: Pass $ 1,000,214 $ 9,667 $ 12 $ — $ — $ — $ — $ 1,009,893 7 13,051 535 — — — — — 13,586 Total premium finance $ 1,013,265 $ 10,202 $ 12 $ — $ — $ — $ — $ 1,023,479 Real Estate – Construction and Development Risk Grade: Pass $ 834,831 $ 793,723 $ 306,084 $ 69,596 $ 7,934 $ 31,490 $ 27,474 $ 2,071,132 6 277 — — — 173 165 — 615 7 — 783 164 5 13,159 580 — 14,691 Total real estate – construction and development $ 835,108 $ 794,506 $ 306,248 $ 69,601 $ 21,266 $ 32,235 $ 27,474 $ 2,086,438 As of December 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 $ 1,739,021 $ 1,975,003 $ 1,085,086 $ 869,116 $ 447,311 $ 1,259,763 $ 110,848 $ 7,486,148 6 607 17,974 — 30,841 4,801 18,289 — 72,512 7 387 2,810 3,078 12,007 6,527 21,398 — 46,207 Total real estate – commercial and farmland $ 1,740,015 $ 1,995,787 $ 1,088,164 $ 911,964 $ 458,639 $ 1,299,450 $ 110,848 $ 7,604,867 Real Estate - Residential Risk Grade: Pass $ 1,524,021 $ 1,214,724 $ 548,968 $ 268,821 $ 115,693 $ 393,570 $ 234,684 $ 4,300,481 6 236 145 94 688 364 2,910 600 5,037 7 6,735 21,283 25,860 27,173 14,396 17,665 1,676 114,788 Total real estate - residential $ 1,530,992 $ 1,236,152 $ 574,922 $ 296,682 $ 130,453 $ 414,145 $ 236,960 $ 4,420,306 Total Loans Risk Grade: Pass $ 6,284,768 $ 4,578,661 $ 2,340,683 $ 1,361,730 $ 699,846 $ 2,027,031 $ 2,221,009 $ 19,513,728 6 1,158 18,132 188 31,712 6,233 23,247 23,944 104,614 7 28,806 26,687 30,500 42,646 34,894 43,511 29,867 236,911 Total loans $ 6,314,732 $ 4,623,480 $ 2,371,371 $ 1,436,088 $ 740,973 $ 2,093,789 $ 2,274,820 $ 19,855,253
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, 2023 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2022 $ 39,455 $ 5,413 $ 174 $ 2,118 $ 357 $ 1,025 Adjustment to allowance for adoption of ASU 2022-02 (105) — — — — — Provision for loan losses 16,078 323 (219) (194) (3) (93) Loans charged off (12,233) (1,140) (34) — — (1,421) Recoveries of loans previously charged off 2,043 297 216 — — 1,382 Balance, March 31, 2023 $ 45,238 $ 4,893 $ 137 $ 1,924 $ 354 $ 893 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2022 $ 32,659 $ 67,433 $ 57,043 $ 205,677 Adjustment to allowance for adoption of ASU 2022-02 (37) (722) (847) (1,711) Provision for loan losses 10,119 20,369 2,996 49,376 Loans charged off — — (128) (14,956) Recoveries of loans previously charged off 100 44 190 4,272 Balance, March 31, 2023 $ 42,841 $ 87,124 $ 59,254 $ 242,658 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
Schedule of Financing Receivable, Loan Modification	The following table shows the amortized cost basis of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted: (dollars in thousands) Payment Deferral Total Percentage of Total Class of Financial Receivable Commercial, financial and agricultural $ 843 $ 843 — % Total $ 843 $ 843 — % The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty: Payment Deferral Loan Type Financial Effect Commercial, financial and agricultural Payments were reduced approximately 32% for three months before returning to a fully amortizing payment structure thereafter. The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months: (dollars in thousands) Current 30-59 60-89 90 or More Days Past Due Commercial, financial and agricultural $ 843 $ — $ — $ — Total $ 843 $ — $ — $ —

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	3 Months Ended
OTHER BORROWINGS (Tables)	Mar. 31, 2023
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings consist of the following: (dollars in thousands) March 31, 2023 December 31, 2022 FHLB borrowings: Fixed Rate Advance due January 9, 2023; fixed interest rate of 4.150% $ — $ 300,000 Fixed Rate Advance due January 9, 2023; fixed interest rate of 4.110% — 50,000 Fixed Rate Advance due January 12, 2023; fixed interest rate of 4.140% — 50,000 Fixed Rate Advance due January 13, 2023; fixed interest rate of 4.150% — 50,000 Fixed Rate Advance due January 17, 2023; fixed interest rate of 4.170% — 350,000 Fixed Rate Advance due January 17, 2023; fixed interest rate of 4.250% — 150,000 Fixed Rate Advance due January 18, 2023; fixed interest rate of 4.260% — 200,000 Fixed Rate Advance due January 19, 2023; fixed interest rate of 4.230% — 50,000 Fixed Rate Advance due January 20, 2023; fixed interest rate of 4.220% — 150,000 Fixed Rate Advance due January 27, 2023; fixed interest rate of 4.230% — 100,000 Fixed Rate Advance due April 5, 2023; fixed interest rate of 4.790% 350,000 — Fixed Rate Advance due April 10, 2023; fixed interest rate of 4.780% 50,000 — Fixed Rate Advance due April 12, 2023; fixed interest rate of 4.880% 375,000 — Fixed Rate Advance due April 12, 2023; fixed interest rate of 4.880% 75,000 — Fixed Rate Advance due April 13, 2023; fixed interest rate of 4.930% 100,000 — Fixed Rate Advance due April 14, 2023; fixed interest rate of 4.960% 50,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960% 25,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960% 125,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960% 100,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930% 100,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930% 100,000 — Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930% 50,000 — Fixed Rate Advance due April 19, 2023; fixed interest rate of 4.880% 300,000 — Fixed Rate Advance due April 19, 2023; fixed interest rate of 4.880% 50,000 — Fixed Rate Advance due April 20, 2023; fixed interest rate of 4.860% 200,000 — 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% 1,386 1,389 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 959 961 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,239 1,275 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $0 and $551, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% — 74,449 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,618 and $1,680, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,382 118,320 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $875 and $906, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 75,875 75,906 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,514 and $1,564, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,486 108,436 $ 2,401,327 $ 1,875,736

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	Mar. 31, 2023
Equity [Abstract]
Summary of Accumulated Other 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, 2023 Balance, December 31, 2022 $ (46,507) $ (46,507) Reclassification for gains included in net income, net of tax — — Current year changes, net of tax 10,926 10,926 Balance, March 31, 2023 $ (35,581) $ (35,581) Three Months Ended March 31, 2022 Balance, December 31, 2021 $ 15,590 $ 15,590 Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (17,431) (17,431) Balance, March 31, 2022 $ (1,841) $ (1,841)

WEIGHTED AVERAGE SHARES OUTST_2

WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	3 Months Ended
WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	Mar. 31, 2023
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) 2023 2022 Average common shares outstanding 69,172 69,346 Common share equivalents: Stock options — 31 Nonvested restricted share grants 98 167 Performance stock units 53 117 Average common shares outstanding, assuming dilution 69,323 69,661

FAIR VALUE MEASURES (Tables)

FAIR VALUE MEASURES (Tables)	3 Months Ended
FAIR VALUE MEASURES (Tables)	Mar. 31, 2023
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, 2023 December 31, 2022 Mortgage loans held for sale $ 390,201 $ 390,583 SBA loans held for sale 4,895 1,495 Total loans held for sale $ 395,096 $ 392,078
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, 2023 and December 31, 2022: (dollars in thousands) March 31, 2023 December 31, 2022 Aggregate fair value of mortgage loans held for sale $ 390,201 $ 390,583 Aggregate unpaid principal balance of mortgage loans held for sale 383,629 389,610 Past-due loans of 90 days or more 624 — Nonaccrual loans 624 — Unpaid principal balance of nonaccrual loans 608 — 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, 2023 and December 31, 2022: (dollars in thousands) March 31, 2023 December 31, 2022 Aggregate fair value of SBA loans held for sale $ 4,895 $ 1,495 Aggregate unpaid principal balance of SBA loans held for sale 4,779 1,350 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, 2023 and December 31, 2022: Recurring Basis March 31, 2023 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. Treasuries $ 766,129 $ 766,129 $ — $ — U.S. government sponsored agencies 987 — 987 — State, county and municipal securities 33,213 — 33,213 — Corporate debt securities 15,610 — 14,710 900 SBA pool securities 25,342 — 25,342 — Mortgage-backed securities 655,555 — 655,555 — Loans held for sale 395,096 — 395,096 — Derivative financial instruments 4,109 — 4,109 — Mortgage banking derivative instruments 6,447 — 6,447 — Total recurring assets at fair value $ 1,902,488 $ 766,129 $ 1,135,459 $ 900 Financial liabilities: Derivative financial instruments $ 4,429 $ — $ 4,429 $ — Mortgage banking derivative instruments 5,377 — 5,377 — Total recurring liabilities at fair value $ 9,806 $ — $ 9,806 $ — Recurring Basis December 31, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. Treasuries $ 759,534 $ 759,534 $ — $ — U.S. government sponsored agencies 979 — 979 — State, county and municipal securities 34,195 — 34,195 — Corporate debt securities 15,926 — 14,771 1,155 SBA pool securities 27,398 — 27,398 — Mortgage-backed securities 662,028 — 662,028 — Loans held for sale 392,078 — 392,078 — Derivative financial instruments 4,580 — 4,580 — Mortgage banking derivative instruments 3,933 — 3,933 — Total recurring assets at fair value $ 1,900,651 $ 759,534 $ 1,139,962 $ 1,155 Financial liabilities: Derivative financial instruments $ 4,574 $ — $ 4,574 $ — Total recurring liabilities at fair value $ 4,574 $ — $ 4,574 $ —
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, 2023 and December 31, 2022: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 March 31, 2023 Collateral-dependent loans $ 48,202 $ — $ — $ 48,202 Other real estate owned 755 — — 755 Total nonrecurring assets at fair value $ 48,957 $ — $ — $ 48,957 December 31, 2022 Collateral-dependent loans $ 31,972 $ — $ — $ 31,972 Total nonrecurring assets at fair value $ 31,972 $ — $ — $ 31,972
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, 2023 Recurring: Debt securities available-for-sale $ 900 Discounted cash flows Probability of Default 12.8% 12.8% Loss Given Default 43% 43% Nonrecurring: Collateral-dependent loans $ 48,202 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 21% Other real estate owned $ 755 Third-party appraisals and sales contracts Collateral discounts and estimated 25% - 40% 29% December 31, 2022 Recurring: Debt securities available-for-sale $ 1,155 Discounted cash flows Probability of Default 12.1% 12.1% Loss Given Default 41% 41% Nonrecurring: Collateral-dependent loans $ 31,972 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 48% 27%
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, 2023 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 266,400 $ 266,400 $ — $ — $ 266,400 Federal funds sold and interest-bearing accounts 1,754,453 1,754,453 — — 1,754,453 Debt securities held-to-maturity 134,175 — 116,093 — 116,093 Loans, net 19,707,011 — — 19,076,408 19,076,408 Accrued interest receivable 74,698 — 6,736 67,962 74,698 Financial liabilities: Deposits 19,897,455 — 19,855,914 — 19,855,914 Other borrowings 2,401,327 — 2,371,530 — 2,371,530 Subordinated deferrable interest debentures 128,820 — 124,309 — 124,309 Accrued interest payable 18,005 — 18,005 — 18,005 Fair Value Measurements December 31, 2022 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 284,567 $ 284,567 $ — $ — $ 284,567 Federal funds sold and interest-bearing accounts 833,565 833,565 — — 833,565 Debt securities held-to-maturity 134,864 — 114,538 114,538 Loans, net 19,617,604 — — 19,067,612 19,067,612 Accrued interest receivable 77,042 — 7,694 69,348 77,042 Financial liabilities: Deposits 19,462,738 — 19,455,187 — 19,455,187 Other borrowings 1,875,736 — 1,861,850 — 1,861,850 Subordinated deferrable interest debentures 128,322 — 125,988 — 125,988 Accrued interest payable 10,530 — 10,530 — 10,530

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
COMMITMENTS AND CONTINGENCIES (Tables)	Mar. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Guarantor Obligations	A summary of the Company’s commitments is as follows: (dollars in thousands) March 31, 2023 December 31, 2022 Commitments to extend credit $ 5,915,387 $ 6,318,039 Unused home equity lines of credit 364,479 345,001 Financial standby letters of credit 30,926 33,557 Mortgage interest rate lock commitments 357,980 148,148
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) 2023 2022 Balance at beginning of period $ 52,411 $ 33,185 Provision for unfunded commitments 346 9,009 Balance at end of period $ 52,757 $ 42,194

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
SEGMENT REPORTING (Tables)	Mar. 31, 2023
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, 2023 and 2022: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 208,215 $ 48,589 $ 16,614 $ 4,375 $ 17,923 $ 295,716 Interest expense 32,887 28,562 10,914 2,418 9,283 84,064 Net interest income 175,328 20,027 5,700 1,957 8,640 211,652 Provision for credit losses 47,140 2,853 (194) (104) 34 49,729 Noninterest income 23,898 31,058 480 605 9 56,050 Noninterest expense Salaries and employee benefits 56,442 20,160 802 1,309 2,197 80,910 Occupancy and equipment 11,606 1,283 1 37 59 12,986 Data processing and communications expenses 11,797 1,069 46 37 85 13,034 Other expenses 19,023 11,747 202 422 1,097 32,491 Total noninterest expense 98,868 34,259 1,051 1,805 3,438 139,421 Income before income tax expense 53,218 13,973 5,323 861 5,177 78,552 Income tax expense 12,848 2,934 1,118 181 1,050 18,131 Net income $ 40,370 $ 11,039 $ 4,205 $ 680 $ 4,127 $ 60,421 Total assets $ 18,870,145 $ 4,879,135 $ 936,169 $ 272,844 $ 1,130,091 $ 26,088,384 Goodwill 951,148 — — — 64,498 1,015,646 Other intangible assets, net 93,285 — — — 8,203 101,488 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

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	3 Months Ended
LOAN SERVICING RIGHTS (Tables)	Mar. 31, 2023
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, 2023 December 31, 2022 Loan Servicing Rights Residential mortgage $ 149,986 $ 147,014 SBA 3,166 3,443 Total loan servicing rights $ 153,152 $ 150,457 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 2023 2022 Beginning carrying value, net $ 147,014 $ 206,944 Additions 7,730 21,701 Amortization (4,758) (6,062) Recoveries — 9,653 Ending carrying value, net $ 149,986 $ 232,236 (dollars in thousands) Three Months Ended March 31, Residential mortgage servicing valuation allowance 2023 2022 Beginning balance $ — $ 25,782 Recoveries — (9,653) Ending balance $ — $ 16,129 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 2023 2022 Beginning carrying value, net $ 3,443 $ 5,556 Additions 44 538 Amortization (321) (710) Ending carrying value, net $ 3,166 $ 5,384
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, 2023 December 31, 2022 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 10,581,669 $ 10,046,052 Composition of residential loans serviced for others: FHLMC 16.82 % 16.80 % FNMA 50.19 % 50.09 % GNMA 32.99 % 33.11 % Total 100.00 % 100.00 % Weighted average term (months) 354 353 Weighted average age (months) 24 22 Modeled prepayment speed 8.55 % 8.22 % Decline in fair value due to a 10% adverse change (3,940) (5,800) Decline in fair value due to a 20% adverse change (8,283) (11,184) Weighted average discount rate 10.73 % 10.00 % Decline in fair value due to a 10% adverse change (4,840) (6,413) Decline in fair value due to a 20% adverse change (10,361) (12,330) (dollars in thousands) March 31, 2023 December 31, 2022 SBA servicing rights Unpaid principal balance of loans serviced for others $ 311,532 $ 326,418 Weighted average life (in years) 3.69 3.69 Modeled prepayment speed 18.37 % 18.24 % Decline in fair value due to a 10% adverse change (187) (177) Decline in fair value due to a 20% adverse change (359) (340) Weighted average discount rate 15.98 % 19.57 % Decline in fair value due to a 100 basis point adverse change (88) (83) Decline in fair value due to a 200 basis point adverse change (173) (163)

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES - Narrative (Details) $ in Thousands	Mar. 31, 2023 USD ($) branch	Dec. 31, 2022 USD ($)	Mar. 31, 2022 USD ($)	Jan. 01, 2022 USD ($)	Dec. 31, 2021 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of branches operated \| branch	164
Restricted cash	$ 0	$ 0
Reduction to allowance for credit losses	(242,658)	(205,677)	$ (161,251)		$ (167,582)
Increase to retained earnings	$ 1,362,512	$ 1,311,258
Cumulative Effect, Period of Adoption, Adjusted Balance
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Reduction to allowance for credit losses				$ 1,700
Increase to retained earnings				$ 1,300

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,541,142	$ 1,559,005
Allowance for Credit Losses	(82)	(75)	$ 0	$ 0
Gross Unrealized Gains	1,252	264
Gross Unrealized Losses	(45,476)	(59,134)
Estimated Fair Value	1,496,836	1,500,060
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	776,583	775,784
Allowance for Credit Losses	0	0
Gross Unrealized Gains	911	131
Gross Unrealized Losses	(11,365)	(16,381)
Estimated Fair Value	766,129	759,534
U.S. government-sponsored agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,032	1,036
Allowance for Credit Losses	0	0
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(45)	(57)
Estimated Fair Value	987	979
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	33,965	35,358
Allowance for Credit Losses	0	0
Gross Unrealized Gains	21	17
Gross Unrealized Losses	(773)	(1,180)
Estimated Fair Value	33,213	34,195
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	16,397	16,397
Allowance for Credit Losses	(82)	(75)
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(705)	(396)
Estimated Fair Value	15,610	15,926
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	26,942	29,422
Allowance for Credit Losses	0	0
Gross Unrealized Gains	3	3
Gross Unrealized Losses	(1,603)	(2,027)
Estimated Fair Value	25,342	27,398
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	686,223	701,008
Allowance for Credit Losses	0	0
Gross Unrealized Gains	317	113
Gross Unrealized Losses	(30,985)	(39,093)
Estimated Fair Value	$ 655,555	$ 662,028

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 134,175	$ 134,864
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(18,082)	(20,326)
Estimated Fair Value	116,093	114,538
State, county and municipal securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	31,905	31,905
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(4,575)	(5,380)
Estimated Fair Value	27,330	26,525
Mortgage-backed securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	102,270	102,959
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(13,507)	(14,946)
Estimated Fair Value	$ 88,763	$ 88,013

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, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 76,191
Due from one year to five years	732,862
Due from five to ten years	23,108
Due after ten years	22,758
Mortgage-backed securities	686,223
Amortized Cost	1,541,142	$ 1,559,005
Estimated Fair Value
Due in one year or less	75,649
Due from one year to five years	722,272
Due from five to ten years	22,363
Due after ten years	20,997
Mortgage-backed securities	655,555
Estimated Fair Value	1,496,836	1,500,060
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	31,905
Mortgage-backed securities	102,270
Amortized Cost	134,175	134,864
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	27,330
Mortgage-backed securities	88,763
Estimated Fair Value	$ 116,093	$ 114,538

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	3 Months Ended
INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	Mar. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Debt Securities, Available-for-sale [Line Items]
Allowance for credit loss \| $	$ 82	$ 75	$ 0	$ 0
Unrealized losses \| $	45,476	59,134
Expected credit losses \| $	0
Debt securities, held-to-maturity, allowance for credit loss \| $	$ 0	0
Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in portfolio \| security	438
Number of securities in unrealized loss position \| security	410
Number of securities in portfolio \| security	25
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position \| security	329
Number of securities in unrealized loss position \| security	19
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position \| security	30
Allowance for credit loss \| $	$ 0	0
Unrealized losses \| $	$ 1,603	2,027
State, County And Municipal Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position \| security	24
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position \| security	6
Allowance for credit loss \| $	$ 82	75
Unrealized losses \| $	$ 705	396
U.S. government sponsored agency security
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position \| security	1
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position \| security	20
Number of securities in unrealized loss position \| security	6
Allowance for credit loss \| $	$ 0	0
Unrealized losses \| $	773	1,180
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Pledged securities, carrying value \| $	$ 927,700	$ 861,600

INVESTMENT SECURITIES - Schedul

INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Value of Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Estimated Fair Value
Less than 12 months, estimated fair value	$ 891,875	$ 1,405,288
12 months or more, estimated fair value	385,315	27,331
Total estimated fair value	1,277,190	1,432,619
Unrealized Losses
Less than 12 months, unrealized losses	(24,010)	(56,816)
12 months or more, unrealized losses	(21,466)	(2,318)
Total unrealized losses	(45,476)	(59,134)
U.S. Treasuries
Estimated Fair Value
Less than 12 months, estimated fair value	509,696	725,250
12 months or more, estimated fair value	73,070	0
Total estimated fair value	582,766	725,250
Unrealized Losses
Less than 12 months, unrealized losses	(9,501)	(16,381)
12 months or more, unrealized losses	(1,864)	0
Total unrealized losses	(11,365)	(16,381)
U.S. government-sponsored agencies
Estimated Fair Value
Less than 12 months, estimated fair value	0	979
12 months or more, estimated fair value	987	0
Total estimated fair value	987	979
Unrealized Losses
Less than 12 months, unrealized losses	0	(57)
12 months or more, unrealized losses	(45)	0
Total unrealized losses	(45)	(57)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	11,374	27,438
12 months or more, estimated fair value	12,223	0
Total estimated fair value	23,597	27,438
Unrealized Losses
Less than 12 months, unrealized losses	(174)	(1,180)
12 months or more, unrealized losses	(599)	0
Total unrealized losses	(773)	(1,180)
Corporate debt securities
Estimated Fair Value
Less than 12 months, estimated fair value	888	13,271
12 months or more, estimated fair value	13,223	1,155
Total estimated fair value	14,111	14,426
Unrealized Losses
Less than 12 months, unrealized losses	(10)	(126)
12 months or more, unrealized losses	(695)	(270)
Total unrealized losses	(705)	(396)
SBA pool securities
Estimated Fair Value
Less than 12 months, estimated fair value	472	17,806
12 months or more, estimated fair value	24,660	9,329
Total estimated fair value	25,132	27,135
Unrealized Losses
Less than 12 months, unrealized losses	(20)	(1,298)
12 months or more, unrealized losses	(1,583)	(729)
Total unrealized losses	(1,603)	(2,027)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	369,445	620,544
12 months or more, estimated fair value	261,152	16,847
Total estimated fair value	630,597	637,391
Unrealized Losses
Less than 12 months, unrealized losses	(14,305)	(37,774)
12 months or more, unrealized losses	(16,680)	(1,319)
Total unrealized losses	$ (30,985)	$ (39,093)

INVESTMENT SECURITIES - Sched_2

INVESTMENT SECURITIES - Schedule of Held-to-Maturity Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Estimated Fair Value
Less than 12 months, estimated fair value	$ 40,496	$ 48,983
12 months or more, estimated fair value	75,597	65,555
Total estimated fair value	116,093	114,538
Unrealized Losses
Less than 12 months, unrealized losses	(1,904)	(3,413)
12 months or more, unrealized losses	(16,178)	(16,913)
Total unrealized losses	(18,082)	(20,326)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	7,746	16,512
12 months or more, estimated fair value	19,584	10,013
Total estimated fair value	27,330	26,525
Unrealized Losses
Less than 12 months, unrealized losses	(254)	(1,488)
12 months or more, unrealized losses	(4,321)	(3,892)
Total unrealized losses	(4,575)	(5,380)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	32,750	32,471
12 months or more, estimated fair value	56,013	55,542
Total estimated fair value	88,763	88,013
Unrealized Losses
Less than 12 months, unrealized losses	(1,650)	(1,925)
12 months or more, unrealized losses	(11,857)	(13,021)
Total unrealized losses	$ (13,507)	$ (14,946)

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, 2023	Mar. 31, 2022
Debt Securities, Available-for-sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 75	$ 0
Provision for other credit losses	7	0
Ending balance	$ 82	$ 0

INVESTMENT SECURITIES - Sched_4

INVESTMENT SECURITIES - Schedule of Gain on Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Unrealized holding gains (losses) on equity securities	$ 6	$ (27)
Net gain (loss) on securities	$ 6	$ (27)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 19,997,871	$ 19,855,253
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	2,722,180	2,679,403
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	349,775	384,037
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	83,466	108,648
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	958,418	1,038,924
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	505,515	509,151
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	947,257	1,023,479
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	2,144,605	2,086,438
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	7,721,732	7,604,867
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 4,564,923	$ 4,420,306

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest income on nonaccrual loans	$ 0	$ 0
Loans, net of unearned income	$ 19,997,871		$ 19,855,253
Financing receivable, moody's baseline scenario was weighted percentage	75%
Financing receivable, moody's upside scenario in weighted percentage	25%
9
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 0		0
Loan Receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 68,000		$ 69,300

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, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 143,027	$ 134,808
Financing receivable, nonaccrual, no allowance	71,497	60,231
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	11,583	11,094
Financing receivable, nonaccrual, no allowance	1,452	33
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	400	420
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	285	346
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	548	523
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	14,416	13,203
Financing receivable, nonaccrual, no allowance	2,510	1,464
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	115,795	109,222
Financing receivable, nonaccrual, no allowance	67,535	58,734
Real estate – residential \| GNMA
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 75,000	$ 69,600

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of Past-Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Total Loans	$ 19,997,871	$ 19,855,253
Loans 90 Days or More Past Due and Still Accruing	15,792	17,865
Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	247,959	273,465
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	69,953	95,203
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	29,366	34,637
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	148,640	143,625
Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	19,749,912	19,581,788
Commercial, financial and agricultural
Financing Receivable, Past Due [Line Items]
Total Loans	2,722,180	2,679,403
Loans 90 Days or More Past Due and Still Accruing	3,969	3,267
Commercial, financial and agricultural \| Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	30,990	33,302
Commercial, financial and agricultural \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	12,302	16,219
Commercial, financial and agricultural \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,307	5,451
Commercial, financial and agricultural \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	13,381	11,632
Commercial, financial and agricultural \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	2,691,190	2,646,101
Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	349,775	384,037
Loans 90 Days or More Past Due and Still Accruing	409	472
Consumer \| Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	8,781	6,443
Consumer \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,314	2,539
Consumer \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,835	3,163
Consumer \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	632	741
Consumer \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	340,994	377,594
Indirect automobile
Financing Receivable, Past Due [Line Items]
Total Loans	83,466	108,648
Loans 90 Days or More Past Due and Still Accruing		0
Indirect automobile \| Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	469	810
Indirect automobile \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	190	466
Indirect automobile \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	122	77
Indirect automobile \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	157	267
Indirect automobile \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	82,997	107,838
Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Total Loans	958,418	1,038,924
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	958,418	1,038,924
Municipal
Financing Receivable, Past Due [Line Items]
Total Loans	505,515	509,151
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	505,515	509,151
Premium finance
Financing Receivable, Past Due [Line Items]
Total Loans	947,257	1,023,479
Loans 90 Days or More Past Due and Still Accruing	11,414	13,626
Premium finance \| Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	27,438	38,105
Premium finance \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	9,922	13,859
Premium finance \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	6,102	10,620
Premium finance \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	11,414	13,626
Premium finance \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	919,819	985,374
Real estate – construction and development
Financing Receivable, Past Due [Line Items]
Total Loans	2,144,605	2,086,438
Loans 90 Days or More Past Due and Still Accruing	0	500
Real estate – construction and development \| Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,190	30,162
Real estate – construction and development \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,727	25,367
Real estate – construction and development \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	3,829
Real estate – construction and development \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	463	966
Real estate – construction and development \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	2,142,415	2,056,276
Real estate – commercial and farmland
Financing Receivable, Past Due [Line Items]
Total Loans	7,721,732	7,604,867
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – commercial and farmland \| Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	23,411	12,129
Real estate – commercial and farmland \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	6,723	1,738
Real estate – commercial and farmland \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,801	168
Real estate – commercial and farmland \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	10,887	10,223
Real estate – commercial and farmland \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	7,698,321	7,592,738
Real estate – residential
Financing Receivable, Past Due [Line Items]
Total Loans	4,564,923	4,420,306
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	154,680	152,514
Real estate – residential \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	33,775	35,015
Real estate – residential \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	9,199	11,329
Real estate – residential \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	111,706	106,170
Real estate – residential \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	$ 4,410,243	$ 4,267,792

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, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	$ 57,162	$ 41,773
Allowance for Credit Losses	8,960	9,801
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	8,451	7,128
Allowance for Credit Losses	5,740	6,294
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	16,500	0
Allowance for Credit Losses	0	0
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	694	3,233
Allowance for Credit Losses	0	0
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	280	780
Allowance for Credit Losses	23	13
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	12,554	15,168
Allowance for Credit Losses	1,104	1,428
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	18,683	15,464
Allowance for Credit Losses	$ 2,093	$ 2,066

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Risk Grade (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	$ 1,253,057	$ 6,314,732
Year two	5,775,548	4,623,480
Year three	4,510,042	2,371,371
Year four	2,284,716	1,436,088
Year five	1,397,983	740,973
Prior	2,694,630	2,093,789
Revolving Loans Amortized Cost Basis	2,081,895	2,274,820
Loans, net of unearned income	19,997,871	19,855,253
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	339,812	1,135,685
Year two	990,190	527,270
Year three	488,502	175,396
Year four	156,302	112,588
Year five	99,279	58,097
Prior	89,588	46,145
Revolving Loans Amortized Cost Basis	558,507	624,222
Loans, net of unearned income	2,722,180	2,679,403
Current-period gross charge offs, year one	150
Current-period gross charge offs, year two	7,226
Current-period gross charge offs, year three	3,457
Current-period gross charge offs, year four	597
Current-period gross charge offs, year five	368
Current-period gross charge offs, prior	410
Current-period gross charge offs, revolving loans amortized cost basis	25
Current-period gross charge offs	12,233
Commercial, financial and agricultural \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	334,129	1,127,120
Year two	988,365	526,043
Year three	485,629	174,120
Year four	154,912	109,091
Year five	95,530	56,657
Prior	84,470	41,612
Revolving Loans Amortized Cost Basis	556,049	621,784
Loans, net of unearned income	2,699,084	2,656,427
Commercial, financial and agricultural \| 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	89	13
Year three	67	94
Year four	194	183
Year five	173	895
Prior	2,145	1,774
Revolving Loans Amortized Cost Basis	363	317
Loans, net of unearned income	3,031	3,276
Commercial, financial and agricultural \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	5,683	8,565
Year two	1,736	1,214
Year three	2,806	1,182
Year four	1,196	3,314
Year five	3,576	545
Prior	2,973	2,759
Revolving Loans Amortized Cost Basis	2,095	2,121
Loans, net of unearned income	20,065	19,700
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	23,767	41,593
Year two	27,547	12,754
Year three	10,509	38,122
Year four	34,461	23,560
Year five	21,502	17,262
Prior	28,705	14,354
Revolving Loans Amortized Cost Basis	203,284	236,392
Loans, net of unearned income	349,775	384,037
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	71
Current-period gross charge offs, year three	44
Current-period gross charge offs, year four	416
Current-period gross charge offs, year five	147
Current-period gross charge offs, prior	405
Current-period gross charge offs, revolving loans amortized cost basis	57
Current-period gross charge offs	1,140
Consumer \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	23,767	41,487
Year two	27,439	12,692
Year three	10,479	37,906
Year four	34,256	23,454
Year five	21,350	17,144
Prior	28,171	13,825
Revolving Loans Amortized Cost Basis	202,965	236,113
Loans, net of unearned income	348,427	382,621
Consumer \| 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	38
Year two	25	0
Year three	0	0
Year four	2	0
Year five	0	0
Prior	95	98
Revolving Loans Amortized Cost Basis	197	196
Loans, net of unearned income	319	332
Consumer \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	68
Year two	83	62
Year three	30	216
Year four	203	106
Year five	152	118
Prior	439	431
Revolving Loans Amortized Cost Basis	122	83
Loans, net of unearned income	1,029	1,084
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	11,941
Year five	10,166	50,898
Prior	73,300	45,809
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	83,466	108,648
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	0
Current-period gross charge offs, year three	0
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	34
Current-period gross charge offs, revolving loans amortized cost basis	0
Current-period gross charge offs	34
Indirect automobile \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	11,900
Year five	10,128	50,749
Prior	72,628	45,120
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	82,756	107,769
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	0
Year five	0	0
Prior	8	11
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	8	11
Indirect automobile \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	41
Year five	38	149
Prior	664	678
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	702	868
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	958,418	1,038,924
Loans, net of unearned income	958,418	1,038,924
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	0
Current-period gross charge offs, year three	0
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	0
Current-period gross charge offs, revolving loans amortized cost basis	0
Current-period gross charge offs	0
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	882,183	990,106
Loans, net of unearned income	882,183	990,106
Mortgage warehouse \| 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	0	0
Revolving Loans Amortized Cost Basis	57,578	22,831
Loans, net of unearned income	57,578	22,831
Mortgage warehouse \| 7
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	18,657	25,987
Loans, net of unearned income	18,657	25,987
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,544	18,074
Year two	18,003	46,809
Year three	53,717	188,507
Year four	186,274	9,752
Year five	8,749	4,358
Prior	236,228	241,651
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	505,515	509,151
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	0
Current-period gross charge offs, year three	0
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	0
Current-period gross charge offs, revolving loans amortized cost basis	0
Current-period gross charge offs	0
Municipal \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,544	18,074
Year two	18,003	46,809
Year three	53,717	188,507
Year four	186,274	9,752
Year five	8,749	4,358
Prior	236,228	241,651
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	505,515	509,151
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	423,921	1,013,265
Year two	517,127	10,202
Year three	6,203	12
Year four	6	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	947,257	1,023,479
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	1,154
Current-period gross charge offs, year three	267
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	0
Current-period gross charge offs, revolving loans amortized cost basis	0
Current-period gross charge offs	1,421
Premium finance \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	423,901	1,000,214
Year two	505,791	9,667
Year three	6,145	12
Year four	6	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	935,843	1,009,893
Premium finance \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	20	13,051
Year two	11,336	535
Year three	58	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	11,414	13,586
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	81,481	835,108
Year two	901,251	794,506
Year three	757,331	306,248
Year four	263,286	69,601
Year five	67,163	21,266
Prior	49,879	32,235
Revolving Loans Amortized Cost Basis	24,214	27,474
Loans, net of unearned income	2,144,605	2,086,438
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	0
Current-period gross charge offs, year three	0
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	0
Current-period gross charge offs, revolving loans amortized cost basis	0
Current-period gross charge offs	0
Real estate – construction and development \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	81,481	834,831
Year two	900,977	793,723
Year three	757,046	306,084
Year four	263,122	69,596
Year five	67,158	7,934
Prior	37,665	31,490
Revolving Loans Amortized Cost Basis	24,214	27,474
Loans, net of unearned income	2,131,663	2,071,132
Real estate – construction and development \| 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	277
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	173
Prior	632	165
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	632	615
Real estate – construction and development \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	274	783
Year three	285	164
Year four	164	5
Year five	5	13,159
Prior	11,582	580
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	12,310	14,691
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	172,639	1,740,015
Year two	1,812,477	1,995,787
Year three	1,969,903	1,088,164
Year four	1,076,797	911,964
Year five	901,073	458,639
Prior	1,693,661	1,299,450
Revolving Loans Amortized Cost Basis	95,182	110,848
Loans, net of unearned income	7,721,732	7,604,867
Current-period gross charge offs, year one	0
Current-period gross charge offs, year two	0
Current-period gross charge offs, year three	0
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	0
Current-period gross charge offs, revolving loans amortized cost basis	0
Current-period gross charge offs	0
Real estate – commercial and farmland \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	172,639	1,739,021
Year two	1,812,054	1,975,003
Year three	1,967,480	1,085,086
Year four	1,073,741	869,116
Year five	858,980	447,311
Prior	1,649,014	1,259,763
Revolving Loans Amortized Cost Basis	95,182	110,848
Loans, net of unearned income	7,629,090	7,486,148
Real estate – commercial and farmland \| 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	607
Year two	0	17,974
Year three	0	0
Year four	0	30,841
Year five	30,335	4,801
Prior	20,073	18,289
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	50,408	72,512
Real estate – commercial and farmland \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	387
Year two	423	2,810
Year three	2,423	3,078
Year four	3,056	12,007
Year five	11,758	6,527
Prior	24,574	21,398
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	42,234	46,207
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	208,893	1,530,992
Year two	1,508,953	1,236,152
Year three	1,223,877	574,922
Year four	567,590	296,682
Year five	290,051	130,453
Prior	523,269	414,145
Revolving Loans Amortized Cost Basis	242,290	236,960
Loans, net of unearned income	4,564,923	4,420,306
Current-period gross charge offs, year one	24
Current-period gross charge offs, year two	0
Current-period gross charge offs, year three	0
Current-period gross charge offs, year four	0
Current-period gross charge offs, year five	0
Current-period gross charge offs, prior	100
Current-period gross charge offs, revolving loans amortized cost basis	4
Current-period gross charge offs	128
Real estate – residential \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	208,784	1,524,021
Year two	1,498,532	1,214,724
Year three	1,198,924	548,968
Year four	539,228	268,821
Year five	262,709	115,693
Prior	491,267	393,570
Revolving Loans Amortized Cost Basis	240,227	234,684
Loans, net of unearned income	4,439,671	4,300,481
Real estate – residential \| 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	236
Year two	235	145
Year three	144	94
Year four	268	688
Year five	745	364
Prior	2,597	2,910
Revolving Loans Amortized Cost Basis	378	600
Loans, net of unearned income	4,367	5,037
Real estate – residential \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	109	6,735
Year two	10,186	21,283
Year three	24,809	25,860
Year four	28,094	27,173
Year five	26,597	14,396
Prior	29,405	17,665
Revolving Loans Amortized Cost Basis	1,685	1,676
Loans, net of unearned income	120,885	114,788
Total Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current-period gross charge offs, year one	174
Current-period gross charge offs, year two	8,451
Current-period gross charge offs, year three	3,768
Current-period gross charge offs, year four	1,013
Current-period gross charge offs, year five	515
Current-period gross charge offs, prior	949
Current-period gross charge offs, revolving loans amortized cost basis	86
Current-period gross charge offs	14,956
Total Loans \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,247,245	6,284,768
Year two	5,751,161	4,578,661
Year three	4,479,420	2,340,683
Year four	2,251,539	1,361,730
Year five	1,324,604	699,846
Prior	2,599,443	2,027,031
Revolving Loans Amortized Cost Basis	2,000,820	2,221,009
Loans, net of unearned income	19,654,232	19,513,728
Total Loans \| 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	1,158
Year two	349	18,132
Year three	211	188
Year four	464	31,712
Year five	31,253	6,233
Prior	25,550	23,247
Revolving Loans Amortized Cost Basis	58,516	23,944
Loans, net of unearned income	116,343	104,614
Total Loans \| 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	5,812	28,806
Year two	24,038	26,687
Year three	30,411	30,500
Year four	32,713	42,646
Year five	42,126	34,894
Prior	69,637	43,511
Revolving Loans Amortized Cost Basis	22,559	29,867
Loans, net of unearned income	$ 227,296	$ 236,911

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 205,677	$ 167,582
Provision for loan losses	49,376	(2,734)
Loans charged off	(14,956)	(8,579)
Recoveries of loans previously charged off	4,272	4,982
Ending balance, Allowance	242,658	161,251
Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	(1,711)
Commercial, financial and agricultural
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	39,455	26,829
Provision for loan losses	16,078	215
Loans charged off	(12,233)	(4,414)
Recoveries of loans previously charged off	2,043	2,896
Ending balance, Allowance	45,238	25,526
Commercial, financial and agricultural \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	(105)
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	5,413	6,097
Provision for loan losses	323	789
Loans charged off	(1,140)	(1,425)
Recoveries of loans previously charged off	297	158
Ending balance, Allowance	4,893	5,619
Consumer \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	0
Indirect automobile
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	174	476
Provision for loan losses	(219)	(290)
Loans charged off	(34)	(88)
Recoveries of loans previously charged off	216	275
Ending balance, Allowance	137	373
Indirect automobile \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	0
Mortgage warehouse
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	2,118	3,231
Provision for loan losses	(194)	(221)
Loans charged off	0	0
Recoveries of loans previously charged off	0	0
Ending balance, Allowance	1,924	3,010
Mortgage warehouse \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	0
Municipal
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	357	401
Provision for loan losses	(3)	(17)
Loans charged off	0	0
Recoveries of loans previously charged off	0	0
Ending balance, Allowance	354	384
Municipal \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	0
Premium finance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	1,025	2,729
Provision for loan losses	(93)	(92)
Loans charged off	(1,421)	(1,369)
Recoveries of loans previously charged off	1,382	1,247
Ending balance, Allowance	893	2,515
Premium finance \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	0
Real estate – construction and development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	32,659	22,045
Provision for loan losses	10,119	4,568
Loans charged off	0	0
Recoveries of loans previously charged off	100	218
Ending balance, Allowance	42,841	26,831
Real estate – construction and development \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	(37)
Real estate – commercial and farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	67,433	77,831
Provision for loan losses	20,369	(9,552)
Loans charged off	0	(1,283)
Recoveries of loans previously charged off	44	37
Ending balance, Allowance	87,124	67,033
Real estate – commercial and farmland \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	(722)
Real estate – residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	57,043	27,943
Provision for loan losses	2,996	1,866
Loans charged off	(128)	0
Recoveries of loans previously charged off	190	151
Ending balance, Allowance	59,254	$ 29,960
Real estate – residential \| Cumulative effect of change in accounting principle for ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ (847)

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Modified of Amortized Cost Basis (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 843
Percentage of Total Class of Financial Receivable	0%
Payment Deferral
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 843
Commercial, financial and agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 843
Percentage of Total Class of Financial Receivable	0%
Financial effect, percent reduction of payments	32%
Commercial, financial and agricultural \| Payment Deferral
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 843

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Depicts Performance of Loans Modified In Last 12 Months (Details) $ in Thousands	Mar. 31, 2023 USD ($)
Current Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 843
Loans 30-59 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Loans 60-89 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Loans 90 or More Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial, financial and agricultural \| Current Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	843
Commercial, financial and agricultural \| Loans 30-59 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial, financial and agricultural \| Loans 60-89 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial, financial and agricultural \| Loans 90 or More Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 0

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 128,820	$ 128,322
Other borrowings	2,401,327	1,875,736
Fixed Rate Advance due January 9, 2023; fixed interest rate of 4.150%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	300,000
Debt instrument, interest rate, effective percentage	4.15%
Fixed Rate Advance due January 9, 2023; fixed interest rate of 4.110%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	50,000
Debt instrument, interest rate, effective percentage	4.11%
Fixed Rate Advance due January 12, 2023; fixed interest rate of 4.140%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	50,000
Debt instrument, interest rate, effective percentage	4.14%
Fixed Rate Advance due January 13, 2023; fixed interest rate of 4.150%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	50,000
Debt instrument, interest rate, effective percentage	4.15%
Fixed Rate Advance due January 17, 2023; fixed interest rate of 4.170%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	350,000
Debt instrument, interest rate, effective percentage	4.17%
Fixed Rate Advance due January 17, 2023; fixed interest rate of 4.250%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	150,000
Debt instrument, interest rate, effective percentage	4.25%
Fixed Rate Advance due January 18, 2023; fixed interest rate of 4.260%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	200,000
Debt instrument, interest rate, effective percentage	4.26%
Fixed Rate Advance due January 19, 2023; fixed interest rate of 4.230%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	50,000
Debt instrument, interest rate, effective percentage	4.23%
Fixed Rate Advance due January 20, 2023; fixed interest rate of 4.220%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	150,000
Debt instrument, interest rate, effective percentage	4.22%
Fixed Rate Advance due January 27, 2023; fixed interest rate of 4.230%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 0	100,000
Debt instrument, interest rate, effective percentage	4.23%
Fixed Rate Advance due April 5, 2023; fixed interest rate of 4.790%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 350,000	0
Debt instrument, interest rate, effective percentage	4.79%
Fixed Rate Advance due April 10, 2023; fixed interest rate of 4.780%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 50,000	0
Debt instrument, interest rate, effective percentage	4.78%
Fixed Rate Advance due April 12, 2023; fixed interest rate of 4.880%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 375,000	0
Debt instrument, interest rate, effective percentage	4.88%
Fixed Rate Advance due April 12, 2023; fixed interest rate of 4.880%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 75,000	0
Debt instrument, interest rate, effective percentage	4.88%
Fixed Rate Advance due April 13, 2023; fixed interest rate of 4.930%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 100,000	0
Debt instrument, interest rate, effective percentage	4.93%
Fixed Rate Advance due April 14, 2023; fixed interest rate of 4.960%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 50,000	0
Debt instrument, interest rate, effective percentage	4.96%
Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 25,000	0
Debt instrument, interest rate, effective percentage	4.96%
Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 125,000	0
Debt instrument, interest rate, effective percentage	4.96%
Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.960%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 100,000	0
Debt instrument, interest rate, effective percentage	4.96%
Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 100,000	0
Debt instrument, interest rate, effective percentage	4.93%
Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 100,000	0
Debt instrument, interest rate, effective percentage	4.93%
Fixed Rate Advance due April 17, 2023; fixed interest rate of 4.930%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 50,000	0
Debt instrument, interest rate, effective percentage	4.93%
Fixed Rate Advance due April 19, 2023; fixed interest rate of 4.880%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 300,000	0
Debt instrument, interest rate, effective percentage	4.88%
Fixed Rate Advance due April 19, 2023; fixed interest rate of 4.880%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 50,000	0
Debt instrument, interest rate, effective percentage	4.88%
Fixed Rate Advance due April 20, 2023; fixed interest rate of 4.860%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 200,000	0
Debt instrument, interest rate, effective percentage	4.86%
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	$ 1,386	1,389
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	$ 959	961
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	$ 1,239	1,275
Debt instrument, interest rate, effective percentage	3.095%
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $0 and $551, 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	$ 0	74,449
Debt instrument, interest rate, effective percentage	5.75%
Unamortized debt issuance expense	$ 0	551
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $0 and $551, 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 $1,618 and $1,680, 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	$ 118,382	118,320
Debt instrument, interest rate, effective percentage	4.25%
Unamortized debt issuance expense	$ 1,618	1,680
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,618 and $1,680, 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 $875 and $906, 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	$ 75,875	75,906
Debt instrument, interest rate, effective percentage	5.875%
Unaccreted purchase accounting fair value adjustment	$ (875)	(906)
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $875 and $906, 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 $1,514 and $1,564, 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	$ 108,486	108,436
Debt instrument, interest rate, effective percentage	3.875%
Unamortized debt issuance expense	$ 1,514	$ 1,564
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,514 and $1,564, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% \| Secured Overnight Financing Rate (SOFR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.753%

OTHER BORROWINGS - Narrative (D

OTHER BORROWINGS - Narrative (Details) $ in Millions	Mar. 31, 2023 USD ($)
Debt Disclosure [Abstract]
Federal home loan bank, advances, general debt obligations, amount of available, unused funds	$ 2,380
Credit arrangements for federal funds purchase	127
Pledged assets separately reported, loans pledged for federal reserve bank, at fair value	3,620
Loans pledged at federal reserve discount window available for borrowing	$ 2,720

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 3,197,400	$ 2,966,451
Reclassification for gains included in net income, net of tax	0	0
Current year changes, net of tax	10,926	(17,431)
Balance at end of period	3,253,195	3,007,159
Unrealized Gain (Loss) on Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(46,507)	15,590
Reclassification for gains included in net income, net of tax	0	0
Current year changes, net of tax	10,926	(17,431)
Balance at end of period	(35,581)	(1,841)
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(46,507)	15,590
Balance at end of period	$ (35,581)	$ (1,841)

WEIGHTED AVERAGE SHARES OUTST_3

WEIGHTED AVERAGE SHARES OUTSTANDING (Details) - shares shares in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Earnings Per Share [Abstract]
Average common shares outstanding (in shares)	69,172	69,346
Common share equivalents:
Stock options (in shares)	0	31
Nonvested restricted share grants (in shares)	98	167
Performance share units (in shares)	53	117
Average common shares outstanding, assuming dilution (in shares)	69,323	69,661
Potential common shares with strike prices that would cause them to be anti-dilutive (in shares)	84,487,000	0

FAIR VALUE MEASURES - Loans Hel

FAIR VALUE MEASURES - Loans Held for Sale Under the Fair Value Option (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 395,096	$ 392,078
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	390,201	390,583
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 4,895	$ 1,495

FAIR VALUE MEASURES - Narrative

FAIR VALUE MEASURES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Net gains (losses) from change in fair value of mortgages loans held for sale	$ 5.6	$ (43.9)
Net (losses) gains from change in fair value of derivative financial instruments	$ (2.9)	$ 26

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, 2023	Dec. 31, 2022
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	$ 390,201	$ 390,583
Aggregate unpaid principal balance of loans held for sale	383,629	389,610
Past-due loans of 90 days or more	624	0
Nonaccrual loans	624	0
Unpaid principal balance of nonaccrual loans	608	0
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Aggregate fair value of loans held for sale	4,895	1,495
Aggregate unpaid principal balance of loans held for sale	4,779	1,350
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, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 395,096	$ 392,078
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	395,096	392,078
Total recurring assets at fair value	1,902,488	1,900,651
Total recurring liabilities at fair value	9,806	4,574
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	766,129	759,534
Total recurring liabilities at fair value	0	0
Fair Value, Measurements, Recurring \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	395,096	392,078
Total recurring assets at fair value	1,135,459	1,139,962
Total recurring liabilities at fair value	9,806	4,574
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	900	1,155
Loans held for sale	0	0
Total recurring assets at fair value	900	1,155
Total recurring liabilities at fair value	0	0
Fair Value, Measurements, Recurring \| Derivative financial instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	4,109	4,580
Derivative liability	4,429	4,574
Fair Value, Measurements, Recurring \| Derivative financial instruments \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability	0	0
Fair Value, Measurements, Recurring \| Derivative financial instruments \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	4,109	4,580
Derivative liability	4,429	4,574
Fair Value, Measurements, Recurring \| Derivative financial instruments \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability	0	0
Fair Value, Measurements, Recurring \| Mortgage banking derivative instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	6,447	3,933
Derivative liability	5,377
Fair Value, Measurements, Recurring \| Mortgage banking derivative instruments \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability	0
Fair Value, Measurements, Recurring \| Mortgage banking derivative instruments \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	6,447	3,933
Derivative liability	5,377
Fair Value, Measurements, Recurring \| Mortgage banking derivative instruments \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability	0
Fair Value, Measurements, Recurring \| U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	766,129	759,534
Fair Value, Measurements, Recurring \| U.S. Treasuries \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	766,129	759,534
Fair Value, Measurements, Recurring \| U.S. Treasuries \| Level 2
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. Treasuries \| 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 \| 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	987	979
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	987	979
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	33,213	34,195
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	33,213	34,195
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	15,610	15,926
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	14,710	14,771
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	900	1,155
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	25,342	27,398
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	25,342	27,398
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	655,555	662,028
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	655,555	662,028
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, 2023	Dec. 31, 2022
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 48,957	$ 31,972
Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	48,202	31,972
Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	755
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 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 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	48,957	31,972
Level 3 \| Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	48,202	$ 31,972
Level 3 \| Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 755

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, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, at fair value	$ 1,502	$ 843
Fair Value, Measurements, Recurring \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, at fair value	900	1,155
Fair Value, Measurements, Nonrecurring \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, at fair value	48,202	$ 31,972
Other real estate owned, at fair value	$ 755
Discounted cash flows \| Discount rate \| Fair Value, Measurements, Recurring \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.128	0.121
Discounted cash flows \| 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	0.128	0.121
Discounted cash flows \| Loss Given Default \| Fair Value, Measurements, Recurring \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.43	0.41
Discounted cash flows \| Loss Given Default \| 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	0.43	0.41
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%	0%
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%	48%
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	21%	27%
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	0.25
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	0.40
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	0.29

FAIR VALUE MEASURES - Carrying

FAIR VALUE MEASURES - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial assets:
Cash and due from banks	$ 266,400	$ 284,567
Federal funds sold and interest-bearing accounts	1,754,453	833,565
Debt securities held-to-maturity	116,093	114,538
Financial liabilities:
Other borrowings	2,401,327	1,875,736
Subordinated deferrable interest debentures	128,820	128,322
Carrying Amount
Financial assets:
Cash and due from banks	266,400	284,567
Federal funds sold and interest-bearing accounts	1,754,453	833,565
Debt securities held-to-maturity	134,175	134,864
Loans, net	19,707,011	19,617,604
Accrued interest receivable	74,698	77,042
Financial liabilities:
Deposits	19,897,455	19,462,738
Other borrowings	2,401,327	1,875,736
Subordinated deferrable interest debentures	128,820	128,322
Accrued interest payable	18,005	10,530
Fair Value
Financial assets:
Cash and due from banks	266,400	284,567
Federal funds sold and interest-bearing accounts	1,754,453	833,565
Debt securities held-to-maturity	116,093	114,538
Loans, net	19,076,408	19,067,612
Accrued interest receivable	74,698	77,042
Financial liabilities:
Deposits	19,855,914	19,455,187
Other borrowings	2,371,530	1,861,850
Subordinated deferrable interest debentures	124,309	125,988
Accrued interest payable	18,005	10,530
Fair Value \| Level 1
Financial assets:
Cash and due from banks	266,400	284,567
Federal funds sold and interest-bearing accounts	1,754,453	833,565
Debt securities held-to-maturity	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
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	116,093	114,538
Loans, net	0	0
Accrued interest receivable	6,736	7,694
Financial liabilities:
Deposits	19,855,914	19,455,187
Other borrowings	2,371,530	1,861,850
Subordinated deferrable interest debentures	124,309	125,988
Accrued interest payable	18,005	10,530
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
Loans, net	19,076,408	19,067,612
Accrued interest receivable	67,962	69,348
Financial liabilities:
Deposits	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, 2023	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 5,915,387	$ 6,318,039
Unused home equity lines of credit	364,479	345,001
Financial standby letters of credit	30,926	33,557
Mortgage interest rate lock commitments	$ 357,980	$ 148,148

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - Allowance for Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision for unfunded commitments	$ 49,376	$ (2,734)
Unfunded Loan Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	52,411	33,185
Provision for unfunded commitments	346	9,009
Ending balance, Allowance	$ 52,757	$ 42,194

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES - Narrative (Details) $ in Millions	Mar. 31, 2023 USD ($)
Federal Home Loan Bank \| Letter of Credit
Loss Contingencies [Line Items]
Letter of credit	$ 400

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	3 Months Ended
SEGMENT REPORTING - Narrative (Details)	Mar. 31, 2023 segment
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, 2023	Mar. 31, 2022	Dec. 31, 2022
Segment Reporting Information [Line Items]
Interest income	$ 295,716	$ 183,374
Interest expense	84,064	10,830
Net interest income	211,652	172,544
Provision for credit losses	49,729	6,231
Noninterest income	56,050	86,911
Noninterest expense
Salaries and employee benefits	80,910	84,281
Occupancy and equipment	12,986	12,727
Data processing and communications expenses	13,034	12,572
Other expenses	32,491	34,240
Total noninterest expense	139,421	143,820
Income before income tax expense	78,552	109,404
Income tax expense	18,131	27,706
Net income	60,421	81,698
Total assets	26,088,384	23,560,292	$ 25,053,286
Goodwill	1,015,646	1,022,345	1,015,646
Other intangible assets, net	101,488	120,757	$ 106,194
Banking Division
Segment Reporting Information [Line Items]
Interest income	208,215	129,290
Interest expense	32,887	(4,455)
Net interest income	175,328	133,745
Provision for credit losses	47,140	5,226
Noninterest income	23,898	21,364
Noninterest expense
Salaries and employee benefits	56,442	49,195
Occupancy and equipment	11,606	11,074
Data processing and communications expenses	11,797	11,230
Other expenses	19,023	20,045
Total noninterest expense	98,868	91,544
Income before income tax expense	53,218	58,339
Income tax expense	12,848	16,996
Net income	40,370	41,343
Total assets	18,870,145	17,409,973
Goodwill	951,148	957,847
Other intangible assets, net	93,285	109,604
Retail Mortgage Division
Segment Reporting Information [Line Items]
Interest income	48,589	32,832
Interest expense	28,562	13,537
Net interest income	20,027	19,295
Provision for credit losses	2,853	1,587
Noninterest income	31,058	61,649
Noninterest expense
Salaries and employee benefits	20,160	31,614
Occupancy and equipment	1,283	1,471
Data processing and communications expenses	1,069	1,172
Other expenses	11,747	12,645
Total noninterest expense	34,259	46,902
Income before income tax expense	13,973	32,455
Income tax expense	2,934	6,815
Net income	11,039	25,640
Total assets	4,879,135	4,197,613
Goodwill	0	0
Other intangible assets, net	0	0
Warehouse Lending Division
Segment Reporting Information [Line Items]
Interest income	16,614	6,813
Interest expense	10,914	366
Net interest income	5,700	6,447
Provision for credit losses	(194)	(222)
Noninterest income	480	1,401
Noninterest expense
Salaries and employee benefits	802	283
Occupancy and equipment	1	1
Data processing and communications expenses	46	47
Other expenses	202	218
Total noninterest expense	1,051	549
Income before income tax expense	5,323	7,521
Income tax expense	1,118	1,579
Net income	4,205	5,942
Total assets	936,169	703,558
Goodwill	0	0
Other intangible assets, net	0	0
SBA Division
Segment Reporting Information [Line Items]
Interest income	4,375	6,780
Interest expense	2,418	769
Net interest income	1,957	6,011
Provision for credit losses	(104)	(143)
Noninterest income	605	2,491
Noninterest expense
Salaries and employee benefits	1,309	1,271
Occupancy and equipment	37	99
Data processing and communications expenses	37	28
Other expenses	422	380
Total noninterest expense	1,805	1,778
Income before income tax expense	861	6,867
Income tax expense	181	1,442
Net income	680	5,425
Total assets	272,844	313,219
Goodwill	0	0
Other intangible assets, net	0	0
Premium Finance Division
Segment Reporting Information [Line Items]
Interest income	17,923	7,659
Interest expense	9,283	613
Net interest income	8,640	7,046
Provision for credit losses	34	(217)
Noninterest income	9	6
Noninterest expense
Salaries and employee benefits	2,197	1,918
Occupancy and equipment	59	82
Data processing and communications expenses	85	95
Other expenses	1,097	952
Total noninterest expense	3,438	3,047
Income before income tax expense	5,177	4,222
Income tax expense	1,050	874
Net income	4,127	3,348
Total assets	1,130,091	935,929
Goodwill	64,498	64,498
Other intangible assets, net	$ 8,203	$ 11,153

LOAN SERVICING RIGHTS - Schedul

LOAN SERVICING RIGHTS - Schedule of Carrying Value of Loan Servicing Rights Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 153,152	$ 150,457
Residential mortgage
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	149,986	147,014	$ 232,236	$ 206,944
SBA
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 3,166	$ 3,443	$ 5,384	$ 5,556

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Residential mortgage
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 14,000	$ 17,100
SBA servicing rights
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 752	$ 876

LOAN SERVICING RIGHTS - Sched_2

LOAN SERVICING RIGHTS - Schedule of Activity of Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 150,457
Ending balance	153,152
Residential mortgage servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	147,014	$ 206,944
Additions	7,730	21,701
Amortization	(4,758)	(6,062)
Recoveries	0	9,653
Ending balance	149,986	232,236
Residential mortgage servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	25,782
Recoveries	0	(9,653)
Ending balance	0	16,129
SBA servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	3,443	5,556
Additions	44	538
Amortization	(321)	(710)
Ending balance	$ 3,166	$ 5,384

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, 2023	Dec. 31, 2022
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	$ 10,581,669	$ 10,046,052
Loans serviced for others, percentage	100%	100%
Weighted average term/life	354 months	353 months
Weighted average age (months)	24 months	22 months
Modeled prepayment speed	8.55%	8.22%
Decline in fair value due to a 10% adverse change	$ (3,940)	$ (5,800)
Decline in fair value due to a 20% adverse change	$ (8,283)	$ (11,184)
Weighted average discount rate	10.73%	10%
Decline in fair value due to a 10% adverse change	$ (4,840)	$ (6,413)
Decline in fair value due to a 20% adverse change	$ (10,361)	$ (12,330)
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	16.82%	16.80%
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	50.19%	50.09%
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	32.99%	33.11%
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	$ 311,532	$ 326,418
Weighted average term/life	3 years 8 months 8 days	3 years 8 months 8 days
Modeled prepayment speed	18.37%	18.24%
Decline in fair value due to a 10% adverse change	$ (187)	$ (177)
Decline in fair value due to a 20% adverse change	$ (359)	$ (340)
Weighted average discount rate	15.98%	19.57%
Decline in fair value due to a 10% adverse change	$ (88)	$ (83)
Decline in fair value due to a 20% adverse change	$ (173)	$ (163)