First Financial Bancorp. (FFBC) 10-Q 6 May 21 2021 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2021	May 05, 2021
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2021
Document Transition Report	false
Entity File Number	001-34762
Entity Registrant Name	FIRST FINANCIAL BANCORP /OH/
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	31-1042001
Entity Address, Address Line One	255 East Fifth Street, Suite 800
Entity Address, City or Town	Cincinnati,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	45202
City Area Code	877
Local Phone Number	322-9530
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		97,281,532
Entity Central Index Key	0000708955
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Amendment Flag	false
NASDAQ/NGS (GLOBAL SELECT MARKET) [Member]
Entity Listings [Line Items]
Title of 12(b) Security	Common stock, No par value
Trading Symbol	FFBC
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable, Net of Deferred Income	$ 9,933,969	$ 9,900,970
ASSETS
Cash and due from banks	210,191	231,054
Interest-bearing deposits with other banks	19,180	20,305
Investment securities available-for-sale, at fair value (amortized cost $3,698,779 at March 31, 2021 and $3,330,029 at December 31, 2020)	3,753,763	3,424,580
Investment securities held-to-maturity (fair value $124,294 at March 31, 2021 and $136,698 at December 31, 2020)	121,945	131,687
Other investments	131,814	133,198
Loans held for sale	34,590	41,103
Loans
Total loans and leases	9,933,969	9,900,970
Loans and Leases Receivable, Allowance	169,923	175,679
Net loans and leases	9,764,046	9,725,291
Premises and equipment	204,537	207,211
Goodwill	937,771	937,771
Other Finite-Lived Intangible Assets, Gross	61,984	64,552
Accrued interest and other assets	935,250	1,056,382
Total assets	16,175,071	15,973,134
Deposits
Interest-bearing	2,914,761	2,914,787
Savings	4,006,181	3,680,774
Time	1,731,757	1,872,733
Total interest-bearing deposits	8,652,699	8,468,294
Noninterest-bearing	3,995,370	3,763,709
Total deposits	12,648,069	12,232,003
Federal funds purchased and securities sold under agreements to repurchase	181,387	166,594
FHLB short-term borrowings	0	0
Long-term debt	583,722	776,202
Total borrowed funds	765,109	942,796
Accrued interest and other liabilities	502,951	516,265
Total liabilities	13,916,129	13,691,064
SHAREHOLDERS' EQUITY
Common stock - no par value Authorized - 160,000,000 shares Issued - 104,281,794 shares in 2020 and 2019	1,633,137	1,638,947
Retained earnings	745,220	720,429
Accumulated other comprehensive loss	18,101	48,664
Treasury stock, at cost, 6,764,101 shares in 2021 and 6,259,865 shares in 2020	(137,516)	(125,970)
Total shareholders' equity	2,258,942	2,282,070
Total liabilities and shareholders' equity	16,175,071	15,973,134
Commercial real estate
Loans and Leases Receivable, Net of Deferred Income	4,396,582	4,307,858
Loans
Total loans and leases	4,396,582	4,307,858
Construction real estate
Loans and Leases Receivable, Net of Deferred Income	642,709	636,096
Loans
Total loans and leases	642,709	636,096
Commercial
Loans and Leases Receivable, Net of Deferred Income	3,044,825	3,007,509
Loans
Total loans and leases	3,044,825	3,007,509
Lease financing
Loans and Leases Receivable, Net of Deferred Income	66,574	72,987
Loans
Total loans and leases	66,574	72,987
Residential real estate
Loans and Leases Receivable, Net of Deferred Income	946,522	1,003,086
Loans
Total loans and leases	946,522	1,003,086
Home equity
Loans and Leases Receivable, Net of Deferred Income	709,667	743,099
Loans
Total loans and leases	709,667	743,099
Installment
Loans and Leases Receivable, Net of Deferred Income	82,421	81,850
Loans
Total loans and leases	82,421	81,850
Credit card
Loans and Leases Receivable, Net of Deferred Income	44,669	48,485
Loans
Total loans and leases	$ 44,669	$ 48,485

CONSOLIDATED BALANCE SHEETS CON

CONSOLIDATED BALANCE SHEETS CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Available-for-sale Securities, Amortized Cost Basis	$ 3,698,779	$ 3,330,029
Debt Securities, Held-to-maturity, Fair Value	$ 124,294	$ 136,698
Common Stock, No Par Value	$ 0	$ 0
Common Stock, Shares Authorized	160,000,000	160,000,000
Common Stock, Shares, Issued	104,281,794	104,281,794
Treasury Stock, Shares	6,764,101	6,259,865

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Document Period End Date	Mar. 31, 2021
Interest income
Loans, including fees	$ 98,931	$ 115,775
Investment securities
Taxable	18,607	19,005
Tax-exempt	5,043	4,582
Total interest on investment securities	23,650	23,587
Other earning assets	28	142
Total interest income	122,609	139,504
Interest expense
Deposits	4,333	16,365
Short-term borrowings	67	5,087
Long-term borrowings	4,333	3,770
Total interest expense	8,733	25,222
Net interest income	113,876	114,282
Provision for Credit Losses	3,450	23,880
Provision for credit losses	538	1,568
Net interest income after provision for loan and lease losses	109,888	88,834
Noninterest income
Service Charges on Deposit Accounts	7,146	8,435
Trust and wealth management fees	4,398	4,469
Bankcard income	3,128	2,698
Client derivative fees	1,556	3,105
Foreign exchange income	10,757	9,966
Net gain from sales of loans	9,454	2,831
Net gain (loss) on sales/transfers of investment securities	(166)	(59)
Equity Securities, FV-NI, Unrealized Gain (Loss)	112	(98)
Other	3,937	4,037
Total noninterest income	40,322	35,384
Noninterest expenses
Salaries and employee benefits	61,253	54,822
Net occupancy	5,704	6,104
Furniture and equipment	3,969	4,053
Data processing	7,287	6,389
Marketing	1,361	1,220
Communication	838	890
Professional services	1,450	2,275
State intangible tax	1,202	1,516
FDIC assessments	1,349	1,405
Intangible assets amortization	2,479	2,792
Other	5,614	8,200
Total noninterest expenses	92,506	89,666
Income before income taxes	57,704	34,552
Income tax expense	10,389	5,924
Net income	$ 47,315	$ 28,628
Earnings per common share
Basic	$ 0.49	$ 0.29
Diluted	$ 0.48	$ 0.29
Average common shares outstanding - basic	96,873,940	97,736,690
Average common shares outstanding - diluted	97,727,527	98,356,214

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 47,315	$ 28,628
Other comprehensive (loss) income, net of tax
Unrealized gain (loss) on debt securities arising during the period	(30,968)	(1,863)
Change in retirement obligation	405	328
Other comprehensive income (loss)	(30,563)	(1,535)
Comprehensive income	$ 16,752	$ 27,093

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Retained earnings	Accumulated other comprehensive income (loss)	Treasury stock	Cumulative Effect, Period of Adoption, Adjustment [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Retained earnings
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	$ 2,247,705	$ 1,640,771	$ 711,249	$ 13,323	$ (117,638)	$ (56,882)	$ (56,882)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest | Accounting Standards Update 2016-01 [Member]
Beginning Balances (in shares) at Dec. 31, 2019		104,281,794			(5,790,796)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	28,628		28,628
Other comprehensive income (loss)	(1,535)			(1,535)
Cash dividends declared :
Common stock at $0.23 per share in 2020 and $0.22 per share in 2019	(22,342)		(22,342)
Treasury Stock, Shares, Acquired					(880,000)
Treasury Stock, Value, Acquired, Cost Method	(16,686)				$ (16,686)
Exercise of stock options, net of shares purchased (in shares)					10,405
Exercise of stock options, net of shares purchased	(72)	$ (140)			$ (212)
Restricted stock awards, net of forfeitures (in shares)					347,555
Restricted stock awards, net of forfeitures	(1,114)	(8,218)			$ 7,104
Share-based compensation expense	1,537	$ 1,537
Ending Balances (in shares) at Mar. 31, 2020		104,281,794			(6,312,836)
Ending Balances at Mar. 31, 2020	2,179,383				$ (127,008)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest		$ 1,633,950	660,653	11,788
Retained Earnings (Accumulated Deficit)	720,429
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	2,282,070	$ 1,638,947	720,429	48,664	$ (125,970)		$ (56,900)
Beginning Balances (in shares) at Dec. 31, 2020		104,281,794			(6,259,865)
Beginning Balances at Dec. 31, 2020	2,282,070
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	47,315		47,315
Other comprehensive income (loss)	(30,563)			(30,563)
Cash dividends declared :
Common stock at $0.23 per share in 2020 and $0.22 per share in 2019	(22,524)		(22,524)
Treasury Stock, Shares, Acquired					(840,115)
Treasury Stock, Value, Acquired, Cost Method	(17,982)				$ (17,982)
Exercise of stock options, net of shares purchased (in shares)					3,468
Exercise of stock options, net of shares purchased	(34)	$ (36)			$ (70)
Restricted stock awards, net of forfeitures (in shares)					332,411
Restricted stock awards, net of forfeitures	(2,250)	(8,616)			$ 6,366
Share-based compensation expense	2,842	$ 2,842
Ending Balances (in shares) at Mar. 31, 2021		104,281,794			(6,764,101)
Ending Balances at Mar. 31, 2021	2,258,942	$ 1,633,137	$ 745,220	$ 18,101	$ (137,516)
Retained Earnings (Accumulated Deficit)	$ 745,220

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Common Stock, Dividends, Per Share, Declared	$ 0.23	$ 0.23

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Operating activities
Net income	$ 47,315	$ 28,628
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	3,988	25,448
Depreciation and amortization	8,233	8,464
Stock-based compensation expense	2,842	1,537
Pension expense (income)	850	400
Net amortization (accretion) on investment securities	9,136	3,981
Net (gain) loss on sales of investment securities	166	59
Originations of loans held for sale	(206,222)	(111,112)
Net gains from sales of loans held for sale	(9,454)	(2,831)
Proceeds from sales of loans held for sale	220,374	100,288
Deferred income taxes	3,303	2,975
Amortization of operating leases	1,851	2,020
Payments for operating leases	(1,790)	(1,288)
Decrease (increase) cash surrender value of life insurance	479	198
Decrease (increase) in interest receivable	(777)	(878)
(Decrease) increase in interest payable	(518)	(2,197)
Decrease (increase) in other assets	117,134	(362,717)
(Decrease) increase in other liabilities	(48,806)	181,099
Net cash provided by (used in) operating activities	147,034	(126,224)
Investing activities
Proceeds from sales of securities available-for-sale	50,451	29,922
Proceeds from calls, paydowns and maturities of securities available-for-sale	279,426	151,629
Purchases of securities available-for-sale	(665,723)	(234,589)
Proceeds from calls, paydowns and maturities of securities held-to-maturity	10,799	6,186
Payments to Acquire Other Investments	992	18,659
Net decrease (increase) in interest-bearing deposits with other banks	1,125	(14,123)
Net decrease (increase) in loans and leases	(40,390)	(105,697)
Proceeds from disposal of other real estate owned	433	900
Purchases of premises and equipment	(2,717)	(5,805)
Net cash provided by (used in) investing activities	(366,100)	(190,236)
Financing activities
Net (decrease) increase in total deposits	416,066	425,329
Net (decrease) increase in short-term borrowings	14,793	81,543
Payments of long-term debt	192,508	90,066
Cash dividends paid on common stock	(22,200)	(22,531)
Treasury stock purchase	17,982	16,686
Proceeds from exercise of stock options	34	72
Net cash provided by (used in) financing activities	198,203	377,661
Cash and due from banks:
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	(20,863)	61,201
Cash and due from banks at beginning of period	231,054	200,691
Cash and due from banks at end of period	210,191	261,892
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities [Abstract]
Equity Securities, FV-NI, Unrealized Gain (Loss)	(112)	98
Payments to Acquire Held-to-maturity Securities	(1,000)	0
Proceeds from Maturities, Prepayments and Calls of Other Investments	2,488	0
Interest Paid, Excluding Capitalized Interest, Operating Activities	9,252	27,420
Income Taxes Paid	$ 147	$ 72

Organization, Consolidation and

Organization, Consolidation and Presentation of Financial Statements	3 Months Ended
	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SUMMARY OF SIGNFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation. The Consolidated Financial Statements of First Financial Bancorp., a financial holding company principally serving Ohio, Indiana, Kentucky and Illinois, include the accounts and operations of First Financial and its wholly-owned subsidiary, First Financial Bank. All significant intercompany transactions and accounts have been eliminated in consolidation. Certain reclassifications of prior periods' amounts have been made to conform to current year presentation. Such reclassifications had no effect on net earnings. These interim financial statements have been prepared in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they may not include all of the information and accompanying notes necessary to constitute a complete set of financial statements required by GAAP and should be read in conjunction with the audited consolidated financial statements and related notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. Management believes these unaudited consolidated financial statements reflect all adjustments of a normal recurring nature which are necessary for a fair presentation of the results for the interim periods presented. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. The Consolidated Balance Sheet as of December 31, 2020 has been derived from the audited financial statements in the Company’s 2020 Form 10-K. Use of estimates. The preparation of financial statements in conformity with GAAP requires management to make estimates, assumptions and judgments that affect the amounts reported in the Consolidated Financial Statements and accompanying Notes. These estimates, assumptions and judgments are inherently subjective and may be susceptible to significant change. Actual realized amounts could differ materially from these estimates. COVID-19. In the majority of 2020 and the first quarter of 2021, First Financial's operations and financial results were significantly impacted by the COVID-19 pandemic. The spread of COVID-19 has caused significant economic disruption throughout the United States as state and local governments issued stay at home orders and temporarily closed non-essential businesses. The full financial impact from the pandemic is unknown at this time, however prolonged disruption from the pandemic may adversely impact several industries within the Company's geographic footprint and impair the ability of First Financial's customers to fulfill their contractual obligations to the Company. This could cause First Financial to experience a material adverse effect on business operations, asset valuations, financial condition and results of operations. Material adverse impacts may include all or a combination of valuation impairments on First Financial's intangible assets, investments, loans, mortgage servicing rights or counter-party risk derivatives.

RECENTLY ADOPTED AND ISSUED ACC

RECENTLY ADOPTED AND ISSUED ACCOUNTING STANDARDS	3 Months Ended
	Mar. 31, 2021
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recently Adopted and Issued Accounting Standards Disclosure [Text Block]	ACCOUNTING STANDARDS RECENTLY ADOPTED OR ISSUED Standards Adopted in 2021 During the first quarter of 2021, the Company adopted ASU 2019-12 - Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes . This standard simplified the accounting for income taxes by removing certain exceptions to the general principles in Topic 740 and added new requirements with the intention of simplifying and clarifying existing guidance. This update did not have a material impact on the Company’s Consolidated Financial Statements. Standards Adopted in 2020 On January 1, 2020, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , which replaced the previously required incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (CECL) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities that management does not intend to sell or believes that it is more likely than not they will be required to sell. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and OBS credit exposures. Results for reporting periods beginning after January 1, 2020 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net decrease to retained earning s of $56.9 million as of January 1, 2020 for the cumulative effect of adopting ASC 326. As detailed in the following table, the transition adjustment included a $61.5 million increase to ACL, a $12.2 million increase in the ACL for unfunded commitments and a $16.8 million decrease in deferred tax liabilities. The Company adopted CECL using the prospective transition approach for financial assets purchased with credit deterioration that were previously classified as purchased credit impaired and accounted for under ASC 310-30. In accordance with the standard, First Financial did not reassess whether PCI assets met the definition of PCD assets as of the date of adoption. In March 2020, the OCC, the Board of Governors of the Federal Reserve System, and the FDIC announced an interim final rule to delay the estimated impact on regulatory capital stemming from the implementation of CECL. The interim final rule maintains the three-year transition option in the previous rule and provides banks the option to delay for two years an estimate of CECL’s effect on regulatory capital, relative to the incurred loss methodology’s effect on regulatory capital, followed by a three-year transition period. First Financial is adopting the capital transition relief over the five year permissible period. The impact of adopting ASC 326 was as follows: January 1, 2020 (dollars in thousands) As Reported under ASC 326 Pre-ASC 326 Impact of ASC 326 Adoption Assets Loans Commercial and industrial $ 28,485 $ 18,584 $ 9,901 Lease financing 1,089 971 118 Construction real estate 13,960 2,381 11,579 Commercial real estate 47,697 23,579 24,118 Residential real estate 10,789 5,299 5,490 Home equity 13,217 4,787 8,430 Installment 1,193 392 801 Credit card 2,725 1,657 1,068 Allowance for credit losses on loans $ 119,155 $ 57,650 $ 61,505 Liabilities Deferred tax liability $ 16,252 $ 33,030 $ (16,778) Allowance for credit losses on OBS credit exposures 12,740 585 12,155

INVESTMENTS

INVESTMENTS	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
INVESTMENTS	INVESTMENTSFor the three months ended March 31, 2021, there were sales of $52.1 million of AFS securities with $0.6 million of gross realized gains and $0.7 million of gross realized losses. For the three months ended March 31, 2020, there were $29.9 million sales of AFS securities with no gross realized gains and $0.1 million of gross realized losses. The following is a summary of HTM and AFS investment securities as of March 31, 2021: Held-to-maturity Available-for-sale (Dollars in thousands) Amortized Unrecognized gain Unrecognized loss Fair Amortized Unrealized Unrealized Fair U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 10,257 $ 3 $ 0 $ 10,260 Mortgage-backed securities - residential 0 0 0 0 784,407 12,488 (11,255) 785,640 Mortgage-backed securities - commercial 63,481 2,034 0 65,515 591,629 7,096 (3,680) 595,045 Collateralized mortgage obligations 17,580 109 (411) 17,278 661,322 17,796 (2,404) 676,714 Obligations of state and other political subdivisions 9,634 1,001 0 10,635 971,325 38,835 (8,541) 1,001,619 Asset-backed securities 0 0 0 0 601,836 4,075 (1,190) 604,721 Other securities 31,250 82 (466) 30,866 78,003 1,949 (188) 79,764 Total $ 121,945 $ 3,226 $ (877) $ 124,294 $ 3,698,779 $ 82,242 $ (27,258) $ 3,753,763 The following is a summary of HTM and AFS investment securities as of December 31, 2020: Held-to-maturity Available-for-sale (Dollars in thousands) Amortized Unrecognized gain Unrecognized Fair Amortized Unrealized Unrealized Fair U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 99 $ 4 $ 0 $ 103 Securities of U.S. government agencies and corporations 0 0 0 0 60 0 0 60 Mortgage-backed securities - residential 13,990 197 0 14,187 704,482 15,938 (237) 720,183 Mortgage-backed securities - commercial 71,737 3,485 0 75,222 584,125 10,395 (3,584) 590,936 Collateralized mortgage obligations 5,799 79 0 5,878 634,418 21,148 (445) 655,121 Obligations of state and other political subdivisions 9,911 1,239 0 11,150 856,054 46,755 (291) 902,518 Asset-backed securities 0 0 0 0 478,539 4,158 (826) 481,871 Other securities 30,250 11 0 30,261 72,252 1,544 (8) 73,788 Total $ 131,687 $ 5,011 $ 0 $ 136,698 $ 3,330,029 $ 99,942 $ (5,391) $ 3,424,580 The following table provides a summary of investment securities by contractual maturity as of March 31, 2021, except for residential and commercial mortgage-backed securities, collateralized mortgage obligations and asset-backed securities, which are shown as single totals due to the unpredictability of the timing in principal repayments. Held-to-maturity Available-for-sale (Dollars in thousands) Amortized Fair Amortized Fair By Contractual Maturity: Due in one year or less $ 0 $ 0 $ 14,781 $ 14,963 Due after one year through five years 0 0 56,598 58,309 Due after five years through ten years 37,135 37,662 184,348 192,197 Due after ten years 3,749 3,839 803,858 826,174 Mortgage-backed securities - residential 0 0 784,407 785,640 Mortgage-backed securities - commercial 63,481 65,515 591,629 595,045 Collateralized mortgage obligations 17,580 17,278 661,322 676,714 Asset-backed securities 0 0 601,836 604,721 Total $ 121,945 $ 124,294 $ 3,698,779 $ 3,753,763 Unrealized gains and losses on debt securities are generally due to fluctuations in current market yields relative to the yields of the debt securities at their amortized cost. All securities with unrealized losses are reviewed quarterly to determine if any impairment exists, requiring a write-down to fair value. For securities in an unrealized loss position, the Company first assesses whether it intends to sell or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security . At this time, First Financial does not intend to sell, and it is not more likely than not that the Company will be required to sell, debt securities temporarily impaired prior to maturity or recovery of the recorded value. The Company recorded no reserves on investment securities for the three months ended March 31, 2021 or the twelve months ended December 31, 2020. As of March 31, 2021, the Company's investment securities portfolio consisted of 1,402 securities, of which 223 were in an unrealized loss position. As of December 31, 2020, the Company's investment securities portfolio consisted of 1,351 securities, of which 94 were in an unrealized loss position. Primarily all of First Financial’s HTM debt securities are issued by U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. The remainder of the Company's HTM securities are non-agency collateralized mortgage obligations and obligations of state and other political subdivisions which currently carry ratings no lower than A+. There were no HTM securities on nonaccrual status or past due as of March 31, 2021 or December 31, 2020. Therefore, the Company did not record an allowance for credit losses for these securities as of March 31, 2021 or December 31, 2020. The following tables provide the fair value and gross unrealized losses on investment securities in an unrealized loss position for which an allowance for credit losses has not been recorded, aggregated by investment category and the length of time the individual securities have been in a continuous loss position: March 31, 2021 Less than 12 months 12 months or more Total (Dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Securities of U.S. Government agencies and corporations 0 0 0 0 0 0 Mortgage-backed securities - residential 482,754 (11,255) 0 0 482,754 (11,255) Mortgage-backed securities - commercial 60,681 (1,665) 57,196 (2,015) 117,877 (3,680) Collateralized mortgage obligations 142,823 (2,815) 1 0 142,824 (2,815) Obligations of state and other political subdivisions 318,750 (8,527) 22,104 (14) 340,854 (8,541) Asset-backed securities 160,329 (970) 36,344 (220) 196,673 (1,190) Other securities 34,096 (654) 0 0 34,096 (654) Total $ 1,199,433 $ (25,886) $ 115,645 $ (2,249) $ 1,315,078 $ (28,135) December 31, 2020 Less than 12 months 12 months or more Total (Dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Securities of U.S. Government agencies and corporations 0 0 0 0 0 0 Mortgage-backed securities - residential 57,872 (237) 0 0 57,872 (237) Mortgage-backed securities - commercial 169,825 (986) 48,158 (2,598) 217,983 (3,584) Collateralized mortgage obligations 49,161 (445) 1 0 49,162 (445) Obligations of state and other political subdivisions 60,008 (291) 0 0 60,008 (291) Asset-backed securities 84,749 (435) 68,967 (391) 153,716 (826) Other securities 4,992 (8) 0 0 4,992 (8) Total $ 426,607 $ (2,402) $ 117,126 $ (2,989) $ 543,733 $ (5,391) For further detail on the fair value of investment securities, see Note 16 – Fair Value Disclosures.

LOANS AND LEASES

LOANS AND LEASES	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES First Financial offers clients a variety of commercial and consumer loan and lease products with diverse interest rates and payment terms. Commercial loan categories include C&I, CRE, construction real estate and lease financing. Consumer loan categories include residential real estate, home equity, installment and credit card. Lending activities are primarily concentrated in states where the Bank operates banking centers (Ohio, Indiana, Kentucky and Illinois). First Financial also offers two nationwide lending platforms, one that provides equipment and leasehold improvement financing for franchisees in the quick service and casual dining restaurant sector and another that primarily provides loans that are secured by commissions and cash collateral to insurance agents and brokers. In accordance with the CARES Act and the 2021 Consolidated Appropriations Act, First Financial participated in offering PPP loans to its customers. These loans provide a direct incentive for small businesses to keep their workers on the payroll and to maintain their operations during the COVID-19 pandemic. PPP loans are eligible to be forgiven provided certain conditions are met. As of March 31, 2021, First Financial had $690.0 million in PPP loans, net of unearned fees of $21.9 million. As of December 31, 2020, First Financial had $594.6 million in PPP loans, net of unearned fees of $13.7 million. Credit Quality. To facilitate the monitoring of credit quality for commercial loans, First Financial utilizes the following categories of credit grades: Pass - Higher quality loans that do not fit any of the other categories described below. Special Mention - First Financial assigns a special mention rating to loans and leases with potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan, lease or First Financial's credit position at some future date. Substandard - First Financial assigns a substandard rating to loans or leases that are inadequately protected by the current sound financial worth and paying capacity of the borrower or of the collateral pledged, if any. Substandard loans and leases have well-defined weaknesses that jeopardize repayment of the debt. Substandard loans and leases are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not addressed. Doubtful - First Financial assigns a doubtful rating to loans and leases with all the attributes of a substandard rating with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the credit quality of the loan or lease, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. The credit grades previously described are derived from standard regulatory rating definitions and are assigned upon initial approval of credit to borrowers and updated periodically thereafter. First Financial considers repayment performance to be the best indicator of credit quality for consumer loans. Consumer loans that have principal and interest payments that are past due by 90 days or more are generally classified as nonperforming. Additionally, consumer loans that have been modified in a TDR are classified as nonperforming. The following table sets forth the Company's loan portfolio at March 31, 2021 by risk attribute and origination date: (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Term Total Revolving Total Commercial & industrial Pass $ 366,213 $ 978,739 $ 421,400 $ 268,946 $ 193,605 $ 223,038 $ 2,451,941 $ 484,869 $ 2,936,810 Special mention 0 4,012 6,521 15,318 5,520 14,225 45,596 7,444 53,040 Substandard 4 781 18,440 1,592 19,498 6,514 46,829 8,146 54,975 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 366,217 $ 983,532 $ 446,361 $ 285,856 $ 218,623 $ 243,777 $ 2,544,366 $ 500,459 $ 3,044,825 Lease financing Pass $ 5,144 $ 23,238 $ 13,968 $ 12,055 $ 6,148 $ 5,554 $ 66,107 $ 0 $ 66,107 Special mention 0 262 0 0 0 0 262 0 262 Substandard 0 3 0 0 154 48 205 0 205 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 5,144 $ 23,503 $ 13,968 $ 12,055 $ 6,302 $ 5,602 $ 66,574 $ 0 $ 66,574 Construction real estate Pass $ 2,020 $ 111,299 $ 313,468 $ 119,471 $ 23,109 $ 13,616 $ 582,983 $ 26,549 $ 609,532 Special mention 0 0 621 18,203 0 640 19,464 0 19,464 Substandard 0 0 13,713 0 0 0 13,713 0 13,713 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 2,020 $ 111,299 $ 327,802 $ 137,674 $ 23,109 $ 14,256 $ 616,160 $ 26,549 $ 642,709 Commercial real estate - investor Pass $ 133,166 $ 496,717 $ 1,040,587 $ 404,440 $ 367,020 $ 604,733 $ 3,046,663 $ 60,055 $ 3,106,718 Special mention 155 1,884 17,738 15,440 54,438 69,864 159,519 49 159,568 Substandard 0 6,203 11,739 35,233 7,000 21,105 81,280 121 81,401 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 133,321 $ 504,804 $ 1,070,064 $ 455,113 $ 428,458 $ 695,702 $ 3,287,462 $ 60,225 $ 3,347,687 Commercial real estate - owner Pass $ 25,535 $ 197,722 $ 156,909 $ 138,347 $ 126,865 $ 296,748 $ 942,126 $ 34,262 $ 976,388 Special mention 0 4,533 1,859 2,582 8,098 24,559 41,631 59 41,690 Substandard 63 649 9,964 13,169 3,006 3,928 30,779 38 30,817 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 25,598 $ 202,904 $ 168,732 $ 154,098 $ 137,969 $ 325,235 $ 1,014,536 $ 34,359 $ 1,048,895 Residential real estate Performing $ 40,728 $ 281,000 $ 212,472 $ 103,366 $ 54,096 $ 250,183 $ 941,845 $ 0 $ 941,845 Nonperforming 0 194 521 150 376 3,436 4,677 0 4,677 Total $ 40,728 $ 281,194 $ 212,993 $ 103,516 $ 54,472 $ 253,619 $ 946,522 $ 0 $ 946,522 Home equity Performing $ 10,325 $ 56,532 $ 18,679 $ 15,669 $ 10,278 $ 45,639 $ 157,122 $ 549,459 $ 706,581 Nonperforming 0 0 60 99 65 259 483 2,603 3,086 (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Term Total Revolving Total Total $ 10,325 $ 56,532 $ 18,739 $ 15,768 $ 10,343 $ 45,898 $ 157,605 $ 552,062 $ 709,667 Installment Performing $ 4,883 $ 19,420 $ 13,567 $ 9,569 $ 7,462 $ 4,209 $ 59,110 $ 23,154 $ 82,264 Nonperforming 10 40 40 11 7 14 122 35 157 Total $ 4,893 $ 19,460 $ 13,607 $ 9,580 $ 7,469 $ 4,223 $ 59,232 $ 23,189 $ 82,421 Credit cards Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 555 $ 555 $ 43,683 $ 44,238 Nonperforming 0 0 0 0 0 0 0 431 431 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 555 $ 555 $ 44,114 $ 44,669 Grand Total $ 588,246 $ 2,183,228 $ 2,272,266 $ 1,173,660 $ 886,745 $ 1,588,867 $ 8,693,012 $ 1,240,957 $ 9,933,969 The following table sets forth the Company's loan portfolio at December 31, 2020 by risk attribute and origination date: (Dollars in thousands) 2020 2019 2018 2017 2016 Prior Term Total Revolving Total Commercial & industrial Pass $ 1,141,163 $ 460,210 $ 296,221 $ 208,077 $ 122,686 $ 138,307 $ 2,366,664 $ 502,286 $ 2,868,950 Special mention 24,668 10,281 18,118 6,893 6,668 6,090 72,718 10,470 83,188 Substandard 6,709 2,370 8,022 26,565 5,124 1,192 49,982 5,389 55,371 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 1,172,540 $ 472,861 $ 322,361 $ 241,535 $ 134,478 $ 145,589 $ 2,489,364 $ 518,145 $ 3,007,509 Lease financing Pass $ 22,916 $ 22,397 $ 12,942 $ 6,967 $ 4,802 $ 2,368 $ 72,392 $ 0 $ 72,392 Special mention 290 0 0 0 0 0 290 0 290 Substandard 5 0 0 180 120 0 305 0 305 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 23,211 $ 22,397 $ 12,942 $ 7,147 $ 4,922 $ 2,368 $ 72,987 $ 0 $ 72,987 Construction real estate Pass $ 96,410 $ 259,524 $ 182,625 $ 23,185 $ 24,786 $ 426 $ 586,956 $ 19,671 $ 606,627 Special mention 0 621 18,203 9,984 661 0 29,469 0 29,469 Substandard 0 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 96,410 $ 260,145 $ 200,828 $ 33,169 $ 25,447 $ 426 $ 616,425 $ 19,671 $ 636,096 Commercial real estate - investor Pass $ 515,950 $ 1,011,898 $ 427,077 $ 378,536 $ 286,587 $ 361,403 $ 2,981,451 $ 56,398 $ 3,037,849 Special mention 0 17,463 15,534 44,426 32,408 43,704 153,535 559 154,094 Substandard 6,198 2,043 22,497 7,067 68 14,724 52,597 0 52,597 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 522,148 $ 1,031,404 $ 465,108 $ 430,029 $ 319,063 $ 419,831 $ 3,187,583 $ 56,957 $ 3,244,540 Commercial real estate - owner Pass $ 185,692 $ 162,480 $ 147,236 $ 125,275 $ 128,755 $ 211,519 $ 960,957 $ 36,721 $ 997,678 Special mention 4,292 11,380 2,891 8,230 3,017 19,384 49,194 59 49,253 Substandard 668 504 7,054 5,496 306 2,321 16,349 38 16,387 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 190,652 $ 174,364 $ 157,181 $ 139,001 $ 132,078 $ 233,224 $ 1,026,500 $ 36,818 $ 1,063,318 (Dollars in thousands) 2020 2019 2018 2017 2016 Prior Term Total Revolving Total Residential real estate Performing $ 290,277 $ 241,601 $ 115,747 $ 64,220 $ 60,094 $ 224,281 $ 996,220 $ 0 $ 996,220 Nonperforming 321 429 673 643 87 4,713 6,866 0 6,866 Total $ 290,598 $ 242,030 $ 116,420 $ 64,863 $ 60,181 $ 228,994 $ 1,003,086 $ 0 $ 1,003,086 Home equity Performing $ 60,967 $ 20,200 $ 17,445 $ 11,308 $ 9,744 $ 41,571 $ 161,235 $ 577,609 $ 738,844 Nonperforming 0 0 0 39 28 138 205 4,050 4,255 Total $ 60,967 $ 20,200 $ 17,445 $ 11,347 $ 9,772 $ 41,709 $ 161,440 $ 581,659 $ 743,099 Installment Performing $ 21,584 $ 15,614 $ 11,041 $ 8,812 $ 1,954 $ 3,185 $ 62,190 $ 19,479 $ 81,669 Nonperforming 15 53 23 35 17 36 179 2 181 Total $ 21,599 $ 15,667 $ 11,064 $ 8,847 $ 1,971 $ 3,221 $ 62,369 $ 19,481 $ 81,850 Credit cards Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 47,845 $ 47,845 Nonperforming 0 0 0 0 0 0 0 640 640 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 48,485 $ 48,485 Grand Total $ 2,378,125 $ 2,239,068 $ 1,303,349 $ 935,938 $ 687,912 $ 1,075,362 $ 8,619,754 $ 1,281,216 $ 9,900,970 Delinquency. Loans are considered past due or delinquent when the contractual principal or interest due in accordance with the terms of the loan agreement remains unpaid after the date of the scheduled payment. Loan delinquency, including loans classified as nonaccrual, was as follows: As of March 31, 2021 (Dollars in thousands) 30 – 59 60 – 89 > 90 days Total Current Total > 90 days Loans Commercial & industrial $ 358 $ 1,577 $ 3,728 $ 5,663 $ 3,039,162 $ 3,044,825 $ 0 Lease financing 0 0 0 0 66,574 66,574 0 Construction real estate 0 0 0 0 642,709 642,709 0 Commercial real estate-investor 1,926 0 16,489 18,415 3,329,272 3,347,687 0 Commercial real estate-owner 50 373 285 708 1,048,187 1,048,895 0 Residential real estate 1,584 596 2,498 4,678 941,844 946,522 0 Home equity 972 355 1,758 3,085 706,582 709,667 0 Installment 116 12 29 157 82,264 82,421 0 Credit card 215 122 94 431 44,238 44,669 92 Total $ 5,221 $ 3,035 $ 24,881 $ 33,137 $ 9,900,832 $ 9,933,969 $ 92 As of December 31, 2020 (Dollars in thousands) 30 – 59 60 – 89 > 90 days Total Current Total > 90 days Loans Commercial & industrial $ 6,532 $ 0 $ 1,861 $ 8,393 $ 2,999,116 $ 3,007,509 $ 0 Lease financing 0 0 0 0 72,987 72,987 0 Construction real estate 0 0 0 0 636,096 636,096 0 Commercial real estate-investor 136 0 24,422 24,558 3,219,982 3,244,540 0 Commercial real estate-owner 6,480 174 400 7,054 1,056,264 1,063,318 0 Residential real estate 2,809 370 3,687 6,866 996,220 1,003,086 0 Home equity 1,483 835 1,937 4,255 738,844 743,099 0 Installment 94 35 51 180 81,670 81,850 0 Credit card 303 163 174 640 47,845 48,485 169 Total $ 17,837 $ 1,577 $ 32,532 $ 51,946 $ 9,849,024 $ 9,900,970 $ 169 For PCD assets, the delinquency status was determined individually for each loan in accordance with the individual loan's contractual repayment terms. Nonaccrual. Loans are classified as nonaccrual when, in the opinion of management, collection of principal or interest is doubtful or when principal or interest payments are 90 days or more past due. Generally, loans are classified as nonaccrual due to the continued failure to adhere to contractual payment terms by the borrower, coupled with other pertinent factors. When a loan is classified as nonaccrual, the accrual of interest income is discontinued and previously accrued but unpaid interest is reversed. Any payments received while a loan is on nonaccrual status are applied as a reduction to the carrying value of the loan. A loan classified as nonaccrual may return to accrual status if none of the principal and interest is due and unpaid, and the Bank expects repayment of the remaining contractual principal and interest. Troubled Debt Restructurings. A loan modification is considered a TDR when the borrower is experiencing financial difficulty and a concession is made by the Company that would not otherwise be considered for a borrower with similar credit characteristics. The most common types of modifications include interest rate reductions, maturity extensions and modifications to principal amortization, including interest-only structures. Modified terms are dependent upon the financial position and needs of the individual borrower. If the modification agreement is violated, the loan is managed by the Company’s credit administration group for resolution, which may result in foreclosure in the case of real estate. In accordance with the CARES Act, performing loans that demonstrated limited signs of credit deterioration, but were modified to provide borrowers relief during the COVID-19 pandemic were not considered to be TDR as of March 31, 2021 or December 31, 2020. TDRs are generally classified as nonaccrual for a minimum period of six months and may qualify for return to accrual status once they have demonstrated performance with the restructured terms of the loan agreement. First Financial had 173 TDRs totaling $32.5 million at March 31, 2021, including $11.6 million on accrual status and $20.9 million classified as nonaccrual. First Financial had $0.3 million of commitments outstanding to lend additional funds to borrowers whose loan terms have been modified through TDRs, and the ACL included reserves of $8.0 million related to TDRs at March 31, 2021. Additionally, as of March 31, 2021, $5.2 million of accruing TDRs have been performing in accordance with the restructured terms for more than one year. First Financial had 155 TDRs totaling $21.8 million at December 31, 2020, including $7.1 million of loans on accrual status and $14.7 million classified as nonaccrual. First Financial had $0.3 million commitments outstanding to lend additional funds to borrowers whose loan terms had been modified through TDRs. At December 31, 2020, the ACL included reserves of $8.8 million related to TDRs, and $5.0 million of the accruing TDRs had been performing in accordance with the restructured terms for more than one year. The following tables provide information on loan modifications classified as TDRs during the three months ended March 31, 2021 and 2020: Three months ended March 31, 2021 March 31, 2020 (Dollars in thousands) Number of loans Pre-modification loan balance Period end balance Number of loans Pre-modification loan balance Period end balance Commercial & industrial 4 $ 3,206 $ 3,070 2 $ 11,383 $ 11,383 Construction real estate 0 0 0 0 0 0 Commercial real estate 7 10,015 9,046 0 0 0 Residential real estate 10 1,023 1,000 14 1,129 1,073 Home equity 1 14 14 4 186 186 Installment 0 0 0 1 26 15 Total 22 $ 14,258 $ 13,130 21 $ 12,724 $ 12,657 For TDRs identified during the three months ended March 31, 2021, there were insignificant chargeoffs for the portion of TDRs determined to be uncollectible. For TDRs identified during the three months ended March 31, 2020, there were $0.4 million of chargeoffs for the portion of TDRs determined to be uncollectible. The following table provides information on how TDRs were modified during the three months ended March 31, 2021 and 2020: Three months ended March 31, (Dollars in thousands) 2021 2020 Extended maturities $ 0 $ 0 Adjusted interest rates 0 0 Combination of rate and maturity changes 0 0 Forbearance 6,163 1,008 Other (1) 6,967 11,649 Total $ 13,130 $ 12,657 (1) Includes covenant modifications and other concessions, or combination of concessions, that do not consist of interest rate adjustments, forbearance and maturity extensions First Financial considers repayment performance as an indication of the effectiveness of the Company's loan modifications. Borrowers that are 90 days or more past due on any principal or interest payments, or who prematurely terminate a restructured loan agreement without paying off the contractual principal balance, are considered to be in default of the terms of the TDR agreement. For both three month periods ended March 31, 2021 and 2020, there were no TDR relationships for which there was a payment default during the period that occurred within twelve months of the loan modifications. As stated in the CARES Act and subsequently modified by the Consolidated Appropriations Act, loan modifications in response to COVID-19 executed on loans that was not more than 30 days past due as of December 31, 2019 and executed between March 1, 2020, and the earlier of 60 days after the date of termination of the National Emergency or January 1, 2022 are not required to be reported as TDR. As of March 31, 2021, the Company's loan portfolio included $251.1 million of active loan modifications made under the guidance of the CARES Act that were not classified as TDR. These modifications included $225.8 million of borrowers making interest only payments and $25.3 million of modifications deferring full principal and interest payments. Active modifications were concentrated in hotel and franchise loans, which were $153.0 million and $44.1 million respectively as of March 31, 2021, or 60.9% and 17.6% of the total active modifications at March 31, 2021. Total active deferrals were comprised of 67 commercial loans with balances of $248.4 million and 25 consumer loans with balances of $2.7 million as of March 31, 2021. As of December 31, 2020, the Company's loan portfolio included $320.2 million of active loan modifications made under the guidance of the CARES Act that were not classified as TDR. These modifications included $291.5 million of borrowers making interest only payments at year end, and full principal and interest deferrals of $28.7 million. Active modifications as of December 31, 2020 were primarily hotel and franchise loans, which were $186.2 million and $44.3 million respectively, or 58.2% and 13.8% of the total active modifications at December 31, 2020. As of December 31, 2020, the Company's loan portfolio included 90 commercial loans with balances of $312.5 million and 53 consumer loans with balances of $7.7 million modified in response to COVID-19 that are not considered TDRs. Nonperforming Loans. Loans classified as nonaccrual and loans modified as TDRs are considered nonperforming. The following table provides information on nonperforming loans: March 31, 2021 December 31, 2020 (Dollars in thousands) Nonaccrual loans with a related ACL Nonaccrual loans with no related ACL Total nonaccrual Nonaccrual loans with a related ACL Nonaccrual loans with no related ACL Total nonaccrual Nonaccrual loans (1) Commercial & industrial $ 12,505 $ 12,436 $ 24,941 $ 18,711 $ 10,519 $ 29,230 Lease financing 0 0 0 0 0 0 Construction real estate 0 0 0 0 0 0 Commercial real estate 18,402 26,112 44,514 6,957 27,725 34,682 Residential real estate 0 11,359 11,359 251 11,350 11,601 Home equity 0 4,286 4,286 0 5,076 5,076 Installment 0 146 146 0 163 163 Total nonaccrual loans $ 30,907 $ 54,339 $ 85,246 $ 25,919 $ 54,833 $ 80,752 (1) Nonaccrual loans include nonaccrual TDRs of $20.9 million and $14.7 million as of March 31, 2021 and December 31, 2020, respectively. Three months ended March 31, (Dollars in thousands) 2021 2020 Interest income effect on nonperforming loans Gross amount of interest that would have been recorded under original terms $ 1,487 $ 1,306 Interest included in income Nonaccrual loans 483 167 Troubled debt restructurings 86 235 Total interest included in income 569 402 Net impact on interest income $ 918 $ 904 First Financial individually reviews all nonperforming loan relationships greater than $250,000 to determine if an individually evaluated allowance is necessary based on the borrower’s overall financial condition, resources and payment record, support from guarantors and the realizable value of any collateral. Individually evaluated allowances are based on discounted cash flows using the loan's initial effective interest rate or the fair value of the collateral for certain collateral dependent loans. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral. The following table presents the amortized cost basis of collateral dependent loans by class of loan. March 31, 2021 Type of Collateral (Dollar in thousands) Business Commercial real estate Equipment Land Residential real estate Other Total Class of loan Commercial & industrial $ 22,215 $ 1,874 $ 417 $ 0 $ 0 $ 435 $ 24,941 Commercial real estate-investor 0 25,115 0 6,198 214 0 31,527 Commercial real estate-owner 5,842 6,779 0 40 326 0 12,987 Residential real estate 0 0 0 0 11,359 0 11,359 Home equity 0 0 0 0 4,286 0 4,286 Installment 0 0 0 0 0 146 146 Total $ 28,057 $ 33,768 $ 417 $ 6,238 $ 16,185 $ 581 $ 85,246 December 31, 2020 Type of Collateral (Dollar in thousands) Business Commercial real estate Equipment Land Residential real estate Other Total Class of loan Commercial & industrial $ 30,961 $ 6,130 $ 2,608 $ 865 $ 0 $ 4,892 $ 45,456 Commercial real estate-investor 0 20,212 661 5,537 872 0 27,282 Commercial real estate-owner 5,842 3,495 0 42 344 0 9,723 Residential real estate 0 0 0 0 11,601 0 11,601 Home equity 0 0 0 0 5,076 0 5,076 Installment 0 0 0 0 0 163 163 Total $ 36,803 $ 29,837 $ 3,269 $ 6,444 $ 17,893 $ 5,055 $ 99,301 Lease financing. First Financial originates both sales-type and direct financing leases, and the Company manages and reviews lease residuals in accordance with its credit policies. Sales-type lease contracts contain the ability to purchase the underlying equipment at lease maturity and profit or loss is recognized at lease commencement. Direct financing leases are generally three to five years in length and may be extended at maturity, however, early cancellation may result in a fee to the borrower. For direct financing leases, the net unearned income is deferred and amortized over the life of the lease. OREO. OREO consists of properties acquired by the Company primarily through the loan foreclosure or repossession process, that results in partial or total satisfaction of problem loans. Changes in OREO were as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Balance at beginning of period $ 1,287 $ 2,033 Additions Commercial & industrial 0 247 Residential real estate 0 146 Total additions 0 393 Disposals Commercial & industrial (246) (179) Residential real estate (187) (721) Total disposals (433) (900) Valuation adjustment Commercial & industrial 0 0 Residential real estate 0 (59) Total valuation adjustment 0 (59) Balance at end of period $ 854 $ 1,467

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
ALLOWANCE FOR CREDIT LOSSES	ALLOWANCE FOR CREDIT LOSSES Allowance for credit losses - loans and leases. The allowance for credit losses is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. The ACL is increased by provision expense and decreased by charge-offs, net of recoveries of amounts previously charged-off. First Financial's policy is to charge-off all or a portion of a loan when, in management's opinion, it is unlikely to collect the principal amount owed in full either through payments from the borrower or a guarantor or from the liquidation of collateral. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Accrued interest receivable on loans and leases, which totaled $38.2 million and $37.7 million as of March 31, 2021 and December 31, 2020, respectively , is excluded from the estimate of credit losses. Management estimates the allowance balance using relevant available information from both internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Historical credit loss experience paired with economic forecasts provides the basis for the quantitatively modeled estimation of expected credit losses. First Financial adjusts its quantitative model, as necessary, to reflect conditions not already considered by the quantitative model. These adjustments are commonly known as the Qualitative Framework. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL using the following methods: Commercial and industrial – C&I loans include revolving lines of credit and term loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, leasehold improvements or other projects. C&I loans are generally underwritten individually and secured with the assets of the Company and/or the personal guarantee of the business owners. C&I loans also include ABL, equipment and leasehold improvement financing for franchisees in the quick service and casual dining restaurant sector and commission-based loans to insurance agents and brokers. ABL transactions typically involve larger commercial clients and are secured by specific assets, such as inventory, accounts receivable, machinery and equipment. In the franchise lending space, First Financial focuses on a limited number of restaurant concepts that have sound economics, low closure rates and strong brand awareness within specified local, regional or national markets. Within the insurance lending platform, First Financial serves insurance agents and brokers that are looking to maximize their book-of-business value and grow their agency business. Current period default rates are utilized in the modeling of the ACL for C&I loans, and are adjusted for forecasted changes in the treasury term spread and market volatility index. Changes in current period defaults or forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Lease financing – Lease financing consists of lease transactions for the acquisition of both new and used business equipment for commercial clients. Lease products may include tax leases, finance leases, lease lines of credit and interim funding. The credit underwriting for lease transactions includes detailed analysis of the lessee's industry and business model, nature of the equipment, equipment resale values, historical and projected cash flow analysis, secondary sources of repayment and guarantor support in addition to other considerations. The ACL model for leases sources expected default rates from the C&I portfolio model. Therefore, changes in forecasted expectations for the treasury term spread and market volatility index could result in volatility in the Company's ACL in future periods. Construction real estate – Real estate construction loans are term loans to individuals, companies or developers used for the construction or development of a commercial or residential property for which repayment will be generated by the sale or permanent financing of the property. Generally, these loans are for construction projects that have been pre-sold, pre-leased or have secured permanent financing, as well as loans to real estate companies with significant equity invested in the project. An independent credit team underwrites construction real estate loans, which are managed by experienced lending officers and monitored through the construction phase by a centralized funding desk that manages loan disbursements. The construction ACL model is adjusted for forecasted changes in rental vacancy rates in the Bank's geographic footprint and the housing price index. Changes in forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Commercial real estate - owner & investor – Commercial real estate loans consist of term loans secured by a mortgage lien on real estate properties such as apartment buildings, office and industrial buildings and retail shopping centers. Additionally, the Company's franchise lending activities discussed in the "Commercial and Industrial" section often include the financing of real estate in addition to equipment. The credit underwriting for both owner-occupied and investor income producing real estate loans includes detailed market analysis, historical and projected cash flow analysis, appropriate equity margins, assessment of lessees and lessors, environmental risks and the type, age, condition and location of real estate, among other factors. First Financial models owner-occupied and investor CRE separately when determining the ACL. For owner occupied CRE, current period default rates are utilized in the modeling, and are adjusted for forecasted changes in the BAA bond spread, national rental vacancy rates and the consumer confidence index. Current period default rates are also utilized in the modeling of investor CRE loans, and are adjusted for forecasted changes in the BAA bond spread, multifamily building permits within the Bank’s geographic footprint and national rental vacancy rates. Changes in current period defaults and forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Residential real estate – Residential real estate loans represent loans to consumers for the financing of a residence. These loans generally have a 15 to 30 year term and a fixed interest rate, but may have a shorter term to maturity with an adjustable interest rate. In most cases, these loans are extended to borrowers to finance their primary residence. First Financial sells residential real estate loan originations into the secondary market on both servicing retained and servicing released bases. Residential real estate loans are generally underwritten to secondary market lending standards, utilizing underwriting processes that rely on empirical data to assess credit risk as well as analysis of the borrower's ability to repay their obligations, credit history, the amount of any down payment and the market value or other characteristics of the property. First Financial also offers a residential mortgage product that features similar borrower credit characteristics but a more streamlined underwriting process than typically required to sell to government-sponsored enterprises and thus is retained on the Consolidated Balance Sheets. The residential real estate ACL model is adjusted for forecasted changes in the housing price index, housing starts within the Bank’s geographic footprint and national single-family existing home sa l es. Changes in forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Home equity – Home equity lending includes both home equity loans and revolving lines of credit secured by a first or second lien on the borrower’s residence. Home equity lending underwriting considerations include the borrower's credit history as well as to debt-to-income and loan-to-value policy limits. The home equity ACL model is adjusted for forecasted changes in the consumer credit growth rate within the Bank’s geographic footprint and the working-age labor participation rate. Changes in forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Installment – Installment lending consists of consumer loans not secured by real estate, including loans secured by automobiles and unsecured personal loans. The ACL model for installment loans sources expected default rates from the residential real estate and home equity portfolio models and is paired with installment specific LGD rates. Changes in forecasted expectations for the consumer credit growth rate within the Bank’s geographic footprint, the working-age labor participation rate, the housing price index, housing starts within the Bank’s geographic footprint and national existing single-family existing home sa l es could result in volatility in the Company's ACL in future periods. Credit card – Credit card lending consists of secured and unsecured revolving lines of credit to consumer and business customers. Credit card lines are generally available for an indefinite period of time as long as the borrower's credit characteristics do not materially or adversely change, but lines are unconditionally cancellable by the Company at any time. The ACL model for credit card loans sources expected default rates from the residential real estate and home equity portfolio models and is paired with credit card specific LGD rates. Changes in forecasted expectations for the consumer credit growth rate within the Bank’s geographic footprint, the working-age labor participation rate, the housing price index, housing starts within the Bank’s geographic footprint and national existing single-family existing home sa l es could result in volatility in the Company's ACL in future periods. The Company utilized the final Moody's March baseline forecast as its R&S forecast in the quantitative model, which included consideration of the impact from both the COVID-19 pandemic and the related government stimulus response. For reasonableness, the Company also considered the impact to the model from alternative, more adverse economic forecasts, slower prepayment speeds and increased default rates. These alternative analyses were utilized to inform the Company's qualitative adjustments. Additionally, First Financial considered its credit exposure to certain industries believed to be at risk for future credit stress related to the COVID-19 pandemic, such as franchise, hotel and investor commercial real estate lending when making qualitative adjustments to the ACL model. First Financial's ACL is influenced by loan volumes, risk rating migration or delinquency status, and other conditions influencing loss expectations, such as reasonable and supportable forecasts of economic conditions. For the three months ended March 31, 2021, the ACL declined slightly due to improvements in economic forecasts and the Company's improved credit outlook. Changes in the allowance by loan category were as follows: Three months ended March 31, 2021 (Dollars in thousands) Commercial & industrial Lease financing Construction real estate Commercial real estate Residential real estate Home equity Installment Credit card Total Allowance for credit losses: Beginning balance $ 51,454 $ 995 $ 21,736 $ 76,795 $ 8,560 $ 11,869 $ 1,215 $ 3,055 $ 175,679 Provision for credit losses 1,258 20 1,000 2,929 (855) (675) 22 (249) 3,450 Loans charged off (7,910) 0 (2) (1,250) (1) (611) (36) (222) (10,032) Recoveries 337 0 0 195 44 177 34 39 826 Total net charge-offs (7,573) 0 (2) (1,055) 43 (434) (2) (183) (9,206) Ending allowance for credit losses $ 45,139 $ 1,015 $ 22,734 $ 78,669 $ 7,748 $ 10,760 $ 1,235 $ 2,623 $ 169,923 Three months ended March 31, 2020 (Dollars in thousands) Commercial & industrial Lease financing Construction real estate Commercial real estate Residential real estate Home equity Installment Credit card Total Allowance for credit losses: Beginning balance, prior to adoption of ASC 326 $ 18,584 $ 971 $ 2,381 $ 23,579 $ 5,299 $ 4,787 $ 392 $ 1,657 $ 57,650 Impact of adopting ASC 326 9,901 118 11,579 24,118 5,490 8,430 801 1,068 61,505 Provision for credit losses 16,016 405 (449) 5,227 558 1,538 75 510 23,880 Loans charged off (1,091) 0 0 (4) (115) (267) (61) (311) (1,849) Recoveries 2,000 0 0 234 52 339 31 43 2,699 Total net charge-offs 909 0 0 230 (63) 72 (30) (268) 850 Ending allowance for credit losses $ 45,410 $ 1,494 $ 13,511 $ 53,154 $ 11,284 $ 14,827 $ 1,238 $ 2,967 $ 143,885 Allowance for credit losses - unfunded commitments. First Financial estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life consistent with the Company's ACL methodology for loans and leases.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill. Assets and liabilities acquired in a business combination are recorded at their estimated fair values as of the acquisition date. The excess of the purchase price of the acquisition over the fair value of net assets acquired is recorded as goodwill. Changes in the carrying amount of goodwill for the three months ended March 31, 2021 and March 31, 2020 were as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Balance at beginning of period $ 937,771 $ 937,771 Goodwill resulting from business combinations 0 0 Balance at end of period $ 937,771 $ 937,771 Goodwill is evaluated for impairment on an annual basis as of October 1 of each year, or whenever events or changes in circumstances indicate that the fair value of a reporting unit may be below its carrying value. First Financial performed its most recent annual impairment test as of October 1, 2020 and no impairment was indicated. As of March 31, 2021, no events or changes in circumstances indicated that the fair value of a reporting unit was below its carrying value. Other intangible assets. Other intangible assets consist primarily of core deposit, customer list and other miscellaneous intangibles. Core deposit intangibles represent the estimated fair value of acquired customer deposit relationships on the date of acquisition and are amortized on an accelerated basis over their estimated useful lives. First Financial's core deposit intangibles have an estimated weighted average remaining life of 6.8 years. First Financial recorded a $39.4 million customer list intangible asset in conjunction with the Bannockburn merger to account for the obligation or advantage on the part of either the Company or the customer to continue the pre-existing relationship subsequent to the merger. The customer list intangible asset is amortized on a straight-line basis over its estimated useful life of 11 years. Other miscellaneous intangibles include purchase commissions, non-compete agreements and trade name intangibles. Other intangible assets are included in Other intangibles in the Consolidated Balance Sheets. Amortization expense recognized on intangible assets for the three months ended March 31, 2021 and March 31, 2020 was $2.5 million and $2.8 million, respectively. The gross carrying amount and accumulated amortization of other intangible assets at March 31, 2021 and December 31, 2020 were as follows: (Dollars in thousands) March 31, 2021 December 31, 2020 Gross Accumulated Gross Accumulated Amortized intangible assets Core deposit intangibles $ 51,031 $ (28,834) $ 51,031 $ (27,524) Customer list 39,420 (5,674) 39,420 (4,778) Other 10,146 (4,105) 10,113 (3,710) Total $ 100,597 $ (38,613) $ 100,564 $ (36,012)

LEASES

LEASES	3 Months Ended
	Mar. 31, 2021
Leases [Abstract]
Leases	LEASES A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. First Financial is primarily the lessee in its leasing agreements, and substantially all of those agreements are for real estate property for branches, ATM locations or office space. On January 1, 2019, the Company adopted Topic 842 and all subsequent modifications. For First Financial, this adoption primarily affected the accounting treatment for operating lease agreements in which the Company is the lessee. Substantially all of the Company's leases are classified as operating leases, and therefore, were previously not recognized on the Company’s Consolidated Balance Sheets. With the adoption of Topic 842, operating lease agreements were required to be recognized on the Consolidated Balance Sheets as an ROU asset and a corresponding lease liability. The Company's right to use an asset over the life of a lease is recorded as a "right of use" asset in Accrued interest and other assets on the Consolidated Balance Sheets and was $57.7 million and $63.9 million at March 31, 2021 and December 31, 2020, respectively. Certain adjustments to the ROU asset may be required for items such as initial direct costs paid or incentives received. First Financial recorded a $67.7 million and $71.7 million lease liability in Accrued interest and other liabilities on the Consolidated Balance Sheet at March 31, 2021 and December 31, 2020, respectively. The calculated amount of the ROU assets and lease liabilities are impacted by the length of the lease term and the discount rate used to calculate the present value of minimum lease payments. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to January 1, 2019, the rate was based upon the remaining lease term as of that date. Leases with an initial term of 12 months or less are not recorded on the balance sheet and First Financial recognizes lease expense for these leases on a straight-line basis over the term of the lease. Most leases include one or more options to renew, with renewal terms that can extend the lease term from one to 20 years or more. The exercise of renewal options on operating leases is at the Company's sole discretion, and certain leases may include options to purchase the leased property. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. First Financial does not enter into lease agreements which contain material residual value guarantees or material restrictive covenants. Certain leases provide for increases in future minimum annual rental payments as defined in the lease agreements and leases generally also include real estate taxes and common area maintenance charges in the annual rental payments. The components of lease expense were as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Operating lease cost $ 1,851 $ 2,020 Short-term lease cost 29 41 Variable lease cost 679 641 Total operating lease cost $ 2,559 $ 2,702 Future minimum commitments due under these lease agreements as of March 31, 2021 are as follows: (Dollars in thousands) Operating leases 2021 (remaining nine months) $ 5,036 2022 6,850 2023 6,952 2024 6,647 2025 6,038 Thereafter 53,150 Total lease payments 84,673 Less imputed interest 17,009 Total $ 67,664 The weighted average remaining lease term and discount rate for the Company's operating leases were as follows: March 31, 2021 December 31, 2020 Operating leases Weighted-average remaining lease term 13.8 years 15.1 years Weighted-average discount rate 2.95 % 3.07 % Supplemental cash information at March 31, 2021 and 2020 related to leases was as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 1,790 $ 1,288 ROU assets obtained in exchange for lease obligations Operating leases 5,761 8,862

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2021
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Short-term borrowings on the Consolidated Balance Sheets include repurchase agreements utilized for corporate sweep accounts with cash management account agreements in place, federal funds purchased, overnight advances from the FHLB and a short-term line of credit. All repurchase agreements are subject to terms and conditions agreed to by the Bank and the client. To secure its liability to the client, the Bank is authorized to sell or repurchase U.S. Treasury, government agency and mortgage-backed securities. The following shows the remaining contractual maturity of repurchase agreements by collateral pledged: (Dollars in thousands) Overnight and continuous Repurchase agreements Mortgage-backed securities $ 88,964 Collateralized mortgage obligations 40,423 Total $ 129,387 Securities sold under agreements to repurchase were secured by securities with a carrying amount of $129.7 million and $126.7 million as of March 31, 2021 and December 31, 2020, respectively. First Financial had $181.4 million federal funds purchased at March 31, 2021 and $166.6 million as of December 31, 2020. The Company had no short-term borrowings with the FHLB at March 31, 2021 or December 31, 2020. These short-term borrowings are used to manage normal liquidity needs and support the Company's asset and liability management strategies. First Financial had $583.7 million and $776.2 million of long-term debt as of March 31, 2021 and December 31, 2020 respectively, which included FRB borrowings, subordinated notes, FHLB long term advances and an interest free loan with a municipality. First Financial participates in the PPPLF, which is a program created by the FRB to extend credit to eligible financial institutions that originate PPP loans. The bank had outstanding PPPLF advances of $270.9 million and $435.0 million as of March 31, 2021 and December 31, 2020, respectively, with an average interest rate of 35 basis points for both periods. These borrowings are secured by pledged PPP loans and prepay in conjunction with reductions in the principal balances of those loans. The following is a summary of First Financial's long-term debt: March 31, 2021 December 31, 2020 (Dollars in thousands) Amount Average rate Amount Average rate FRB borrowings $ 270,874 0.35 % $ 434,982 0.35 % FHLB borrowings 0 0.00 % 19,971 1.43 % Subordinated notes 312,906 4.82 % 321,384 4.86 % Unamortized debt issuance costs (2,673) N/A (2,770) N/A Lease liability 1,840 3.81 % 1,860 3.81 % Capital loan with municipality 775 0.00 % 775 0.00 % Total long-term debt $ 583,722 2.76 % $ 776,202 2.25 % In April 2020, First Financial issued $150.0 million of fixed to floating rate subordinated notes. These subordinated notes have an initial fixed interest rate of 5.25% to, but excluding, May 15, 2025, payable semi-annually in arrears. From, and including, May 15, 2025, the interest rate on the subordinated notes will reset quarterly to a floating rate per annum equal to a benchmark rate, which is expected to be the then-current three-month term SOFR, plus 509 basis points, payable quarterly in arrears. The subordinated notes mature on May 15, 2030. These notes are redeemable by the Company in whole or in part beginning with the interest payment date of May 15, 2025. In 2015, First Financial issued $120.0 million of subordinated notes, which have a fixed interest rate of 5.13% payable semiannually and mature in August 2025. These notes are not redeemable by the Company, or callable by the holders of the notes prior to maturity. In addition, First Financial acquired $49.5 million of variable rate subordinated notes in the MSFG merger that were issued to previously formed trusts in exchange for the trust proceeds. Interest on the acquired subordinated

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Shareholders’ equity is affected by transactions and valuations of asset and liability positions that require adjustments to accumulated other comprehensive income (loss). The related tax effects allocated to other comprehensive income and reclassifications out of accumulated other comprehensive income (loss) are as follows: Three months ended March 31, 2021 Total other comprehensive income (loss) Total accumulated (Dollars in thousands) Prior to Reclass Pre-tax Tax effect Net of tax Beginning balance Net activity Ending balance Unrealized gain (loss) on debt securities $ (39,658) $ (166) $ (39,492) $ 8,524 $ (30,968) $ 73,576 $ (30,968) $ 42,608 Retirement obligation 0 (525) 525 (120) 405 (24,912) 405 (24,507) Total $ (39,658) $ (691) $ (38,967) $ 8,404 $ (30,563) $ 48,664 $ (30,563) $ 18,101 Three months ended March 31, 2020 Total other comprehensive income (loss) Total accumulated (Dollars in thousands) Prior to Reclass Pre-tax Tax effect Net of tax Beginning balance Net activity Ending balance Unrealized gain (loss) on debt securities $ (2,434) $ (59) $ (2,375) $ 512 $ (1,863) $ 41,264 $ (1,863) $ 39,401 Retirement obligation 0 (425) 425 (97) 328 (27,941) 328 (27,613) Total $ (2,434) $ (484) $ (1,950) $ 415 $ (1,535) $ 13,323 $ (1,535) $ 11,788 The following table presents the activity reclassified from accumulated other comprehensive income into income during the three month periods ended March 31, 2021 and 2020, respectively: Amount reclassified from Three months ended March 31, (Dollars in thousands) 2021 2020 Affected Line Item in the Consolidated Statements of Income Realized gain (loss) on securities available-for-sale $ (166) $ (59) Net gain (loss) on sales of investments securities Defined benefit pension plan Amortization of prior service cost (1) 100 100 Other noninterest expense Recognized net actuarial loss (1) (625) (525) Other noninterest expense Defined benefit pension plan total (525) (425) Total reclassifications for the period, before tax $ (691) $ (484) (1) Included in the computation of net periodic pension cost (see Note 13 - Employee Benefit Plans for additional details).

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	DERIVATIVES First Financial uses certain derivative instruments, including interest rate caps, floors, swaps and foreign exchange contracts, to meet the needs of its clients while managing the interest and currency rate risk associated with certain transactions. First Financial may also utilize interest rate swaps to manage the interest rate risk profile of the Company. Interest rate payments are exchanged with counterparties, based on the notional amount established in the interest rate agreement. As only interest rate payments are exchanged, the cash requirements and credit risk associated with interest rate swaps are significantly less than the notional amount and the Company’s credit risk exposure is limited to the market value of the instruments. First Financial does not use derivatives for speculative purposes. First Financial manages market value credit risk through counterparty credit policies including a review of total derivative notional position to total assets, total credit exposure to total capital and counterparty credit exposure risk. Client derivatives. First Financial utilizes interest rate swaps as a means to offer commercial borrowers fixed rate funding while providing the Company with floating rate assets. At March 31, 2021, for the interest rate derivatives, the Company had a total counterparty notional amount outstanding of $2.3 billion, spread among twenty counterparties, with an estimated fair value of $98.9 million. At December 31, 2020, the Company had interest rate derivatives with a total counterparty notional amount outstanding of $2.3 billion, spread among twenty counterparties, with an estimated fair value of $182.3 million. First Financial monitors its derivative credit exposure to borrowers by monitoring the creditworthiness of the related loan customers through the Company's normal credit review processes. Additionally, the Company's ACL Committee monitors derivative credit risk exposure related to problem loans through the Company's ACL committee. First Financial considers the market value of a derivative instrument to be part of the carrying value of the related loan for these purposes as the borrower is contractually obligated to pay First Financial this amount in the event the derivative contract is terminated. In connection with its use of derivative instruments, First Financial and its counterparties may be required to post cash collateral to offset the market position of the derivative instruments. First Financial maintains the right to offset these derivative positions with the collateral posted against them by or with the relevant counterparties. Foreign exchange contracts. First Financial may enter into foreign exchange derivative contracts for the benefit of commercial customers to hedge their exposure to foreign currency fluctuations. Similar to the hedging of interest rate risk from interest rate derivative contracts, First Financial also enters into foreign exchange contracts with major financial institutions to economically hedge a substantial portion of the exposure from client driven foreign exchange activity. These derivatives are classified as free-standing instruments with the revaluation gain or loss recorded in Foreign exchange income in the Consolidated Statements of Income. The Company has risk limits and internal controls in place to help ensure excessive risk is not being taken in providing this service to customers. These controls include an independent determination of currency volatility and credit equivalent exposure on these contracts, counterparty credit approvals and country limits performed by independent risk management. At March 31, 2021, the Company had total counterparty notional amount outstanding of $4.6 billion spread among five counterparties, with an estimated fair value of $31.9 million . At December 31, 2020, the Company had total counterparty notional amounts outstanding of $3.6 billion spread among six counterparties, with an estimated fair value of $33.1 million. In connection with its use of foreign exchange contracts, First Financial and its counterparties may be required to post cash collateral to offset the market position of the derivative instruments. First Financial maintains the right to offset these derivative positions with the collateral posted against them by or with the relevant counterparties. The following table details the classification and amounts of client derivatives and foreign exchange contracts recognized in the Consolidated Balance Sheets: March 31, 2021 December 31, 2020 Estimated fair value Estimated fair value (Dollars in thousands) Balance sheet classification Notional Gain Loss Notional Gain Loss Client derivatives - instruments associated with loans Matched interest rate swaps with borrower Accrued interest and other assets $ 2,326,382 $ 111,765 $ (10,317) $ 2,300,336 $ 184,777 $ (107) Matched interest rate swaps with counterparty Accrued interest and other liabilities 2,326,382 10,317 (111,874) 2,300,336 107 (184,884) Foreign exchange contracts Matched foreign exchange contracts with customers Accrued interest and other assets 4,606,916 68,291 (36,409) 3,637,509 60,366 (27,249) Match foreign exchange contracts with counterparty Accrued interest and other liabilities 4,606,916 36,409 (68,291) 3,637,509 27,249 (60,366) Total $ 13,866,596 $ 226,782 $ (226,891) $ 11,875,690 $ 272,499 $ (272,606) The following table discloses the gross and net amounts of client derivatives and foreign exchange contracts recognized in the Consolidated Balance Sheets: March 31, 2021 December 31, 2020 (Dollars in thousands) Gross amounts of recognized liabilities Gross amounts offset in the Consolidated Balance Sheets Net amounts of liabilities (assets) presented in the Consolidated Balance Sheets Gross amounts of recognized liabilities Gross amounts offset in the Consolidated Balance Sheets Net amounts of liabilities (assets) presented in the Consolidated Balance Sheets Client derivatives Matched interest rate swaps with counterparty $ 122,191 $ (249,003) $ (126,812) $ 184,991 $ (385,088) $ (200,097) Foreign exchange contracts with counterparty 104,700 (10,253) 94,447 87,615 (17,392) 70,223 Total $ 226,891 $ (259,256) $ (32,365) $ 272,606 $ (402,480) $ (129,874) The following table details the derivative financial instruments, the average remaining maturities and the weighted-average interest rates being paid and received by First Financial at March 31, 2021: (Dollars in thousands) Notional Average Fair Client derivatives-interest rate contracts Receive fixed, matched interest rate swaps with borrower $ 2,326,382 6.1 $ 101,448 Pay fixed, matched interest rate swaps with counterparty 2,326,382 6.1 (101,557) Client derivatives-foreign exchange contracts Foreign exchange contracts-pay USD $ 4,606,916 0.6 31,882 Foreign exchange contracts-receive USD $ 4,606,916 0.6 (31,882) Total client derivatives $ 13,866,596 2.4 $ (109) Credit derivatives. In conjunction with participating interests in commercial loans, First Financial periodically enters into risk participation agreements with counterparties whereby First Financial assumes a portion of the credit exposure associated with an interest rate swap on the participated loan in exchange for a fee. Under these agreements, First Financial will make payments to the counterparty if the loan customer defaults on its obligation to perform under the interest rate swap contract with the counterparty. The total notional value of these agreements totaled $250.5 million as of March 31, 2021 and $242.4 million as of December 31, 2020. The fair value of these agreements is recorded in Accrued interest and other liabilities on the Consolidated Balance Sheets and was $0.2 million at March 31, 2021 and $0.3 million at December 31, 2020. Mortgage derivatives. First Financial enters into IRLCs and forward commitments for the future delivery of mortgage loans to third party investors, which are considered derivatives. When borrowers secure IRLCs with First Financial and the loans are intended to be sold, First Financial will enter into forward commitments for the future delivery of the loans to third party investors in order to hedge against the effect of changes in interest rates impacting IRLCs and loans held for sale. At March 31,

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	COMMITMENTS AND CONTINGENCIES First Financial offers a variety of financial instruments including loan commitments and letters of credit to assist clients in meeting their requirement for liquidity and credit enhancement. GAAP does not require these financial instruments to be recorded in the Consolidated Financial Statements. First Financial utilizes the same credit policies in issuing commitments and conditional obligations as it does for credit instruments recorded on the Consolidated Balance Sheets. First Financial’s exposure to credit loss in the event of non-performance by the counterparty was represented by the contractual amounts of those instruments. Effective January 1, 2020, First Financial adopted ASC 326, at which time First Financial estimated expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life consistent with the Company's ACL methodology for loans and leases. A djustments to the reserve for unfunded commitments are recorded in Provision for credit losses - unfunded commitments in the Consolidated Statements of Income. First Financial had $13.0 million and $12.5 million of reserves for unfunded commitments recorded in Accrued interest and other liabilities on the Consolidated Balance Sheets at March 31, 2021 and December 31, 2020, respectively. Loan commitments. Loan commitments are agreements to extend credit to a client, absent any violation of conditions established in the commitment agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments will expire without being fully drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary by First Financial upon extension of credit, is based on management’s credit evaluation of the client. The collateral held varies, but may include securities, real estate, inventory, plant or equipment. First Financial had commitments outstanding to extend credit totaling $3.7 billion at March 31, 2021 and $3.4 billion at December 31, 2020. As of March 31, 2021, loan commitments with a fixed interest rate totaled $127.3 million while commitments with variable interest rates totaled $3.6 billion. At December 31, 2020, loan commitments with a fixed interest rate totaled $123.6 million while commitments with variable interest rates totaled $3.3 billion. First Financial's fixed rate loan commitments have interest rates ranging from 0.00% to 21.00% for both March 31, 2021 and December 31, 2020 and have maturities ranging from less than one year to 30.0 years for March 31, 2021 and less than one year to 30.8 years for December 31, 2020. The following table presents by type First Financial's active loan balances and related obligations to extend credit: March 31, 2021 December 31, 2020 (dollars in thousands) Unfunded commitment Loan balance Unfunded commitment Loan balance Commercial & industrial $ 1,335,354 $ 3,044,825 $ 1,270,765 $ 3,007,509 Lease financing 8,663 66,574 0 72,987 Construction real estate 347,676 642,709 374,008 636,096 Commercial real estate-investor 167,654 3,347,687 139,754 3,244,540 Commercial real estate-owner 42,809 1,048,895 51,637 1,063,318 Residential real estate 32,256 946,522 28,895 1,003,086 Home equity 777,786 709,667 762,406 743,099 Installment 17,644 82,421 18,229 81,850 Credit card 212,230 44,669 207,365 48,485 Total $ 2,942,072 $ 9,933,969 $ 2,853,059 $ 9,900,970 Letters of credit. Letters of credit are conditional commitments issued by First Financial to guarantee the performance of a client to a third party. First Financial’s letters of credit consist of performance assurances made on behalf of clients who have a contractual commitment to produce or deliver goods or services. The risk to First Financial arises from its obligation to make payment in the event of the client's contractual default to produce the contracted good or service to a third party. First Financial issued letters of credit aggregating $36.4 million and $36.1 million at March 31, 2021 and December 31, 2020, respectively. Management conducts regular reviews of these instruments on an individual client basis. Investments in affordable housing tax credits. First Financial has made investments in certain qualified affordable housing tax credits. These credits are indirect federal subsidies that provide tax incentives to encourage investment in the acquisition, development, and rehabilitation of affordable rental housing, and allow investors to claim tax credits and other tax benefits (such as deductions from taxable income for operating losses) on their federal income tax returns. The principal risk associated with qualified affordable housing investments is the potential for noncompliance with the tax code requirements, such as failure to rent property to qualified tenants, resulting in the unavailability or recapture of the tax credits and other tax benefits. Investments in affordable housing projects are accounted for under the proportional amortization method and are included in Accrued interest and other assets in the Consolidated Balance Sheets. First Financial's affordable housing commitments totaled $44.8 million and $47.5 million as of March 31, 2021 and December 31, 2020, respectively. First Financial recognized tax credits of $2.2 million and $1.9 million for the three months ended March 31, 2021 and 2020, respectively. The Company recognized amortization expense, which was included in income tax expense, of $2.0 million and $2.1 million for the three months ended March 31, 2021 and 2020, respectively. First Financial had no affordable housing contingent commitments as of March 31, 2021 or December 31, 2020. Investments in historic tax credits. First Financial has noncontrolling financial investments in private investment funds and partnerships which are not consolidated. These investments may generate a return through the realization of federal and state income tax credits, as well as other tax benefits, such as tax deductions from net operating losses of the investments over a period of time. Investments in historic tax credits are accounted for under the equity method of accounting and are carried in Accrued interest and other assets on the Consolidated Balance Sheets. The Company’s recorded investment in these entities was approximately $3.5 million at March 31, 2021 and $3.6 million at December 31, 2020. The maximum exposure to loss related to these investments was $3.9 million at March 31, 2021 and $4.0 million at December 31, 2020, representing the Company’s investment balance and its unfunded commitments to invest additional amounts. Investments in historic tax credits resulted in $0.1 million of tax credits for each of the three months ended March 31, 2021 and March 31, 2020, respectively. Investments in renewable energy tax credits. First Financial has noncontrolling financial investments in renewable energy projects which are not consolidated. These investments may generate a return through the realization of federal and state income tax credits, as well as other tax benefits, such as tax deductions from net operating losses of the investments over a period of time. Investments in renewable energy tax credits are accounted for under the equity method of accounting and are included in Accrued interest and other assets on the Consolidated Balance Sheets. The Company’s recorded investment in renewable energy projects was approximately $15.2 million and $5.2 million at March 31, 2021 and December 31, 2020, respectively. The maximum exposure to loss related to these investments was $14.3 million and $7.7 million at March 31, 2021 and December 31, 2020, respectively, representing the Company’s investment balance and its unfunded commitments to invest additional amounts. Contingencies/Litigation. First Financial and its subsidiaries are engaged in various matters of litigation from time to time, and have a number of unresolved claims pending. Additionally, as part of the ordinary course of business, First Financial and its subsidiaries are parties to litigation involving claims to the ownership of funds in particular accounts, the collection of delinquent accounts, challenges to security interests in collateral and foreclosure interests that are incidental to our regular business activities. While the ultimate liability with respect to these litigation matters and claims cannot be determined at this time, First Financial believes that damages, if any, and other amounts relating to pending matters are not probable or cannot be reasonably estimated as of March 31, 2021. Reserves are established for these various matters of litigation when appropriate under FASB ASC Topic 450, Contingencies, based in part upon the advice of legal counsel. First Financial had no reserves related to litigation matters as of March 31, 2021 or December 31, 2020.

INCOME TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2021
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXESFor the first three months of 2021, income tax expense was $10.4 million, resulting in an effective tax rate of 18.0% compared with income tax expense of $5.9 million and an effective tax rate of 17.1% for the comparable period in 2020. The increase in the effective tax rate is primarily due to higher pre-tax income in the first quarter of 2021 as compared to the first quarter of 2020. Also, in the first quarter of 2020, the Company recorded the tax benefit of the carryback of certain net operating losses as allowed under the CARES Act, which contributed to a lower effective tax rate in the quarter. At both March 31, 2021 and December 31, 2020, First Financial had $1.9 million of unrecognized tax benefits, as determined under FASB ASC Topic 740-10, Income Taxes, that if recognized would favorably impact the effective income tax rate in future periods. The unrecognized tax benefits relate to state income tax exposures where the Company believes it is likely that, upon examination, a state may take a position contrary to the position taken by First Financial. The Company believes that resolution regarding our uncertain tax positions is reasonably possible within the next twelve months and could result in full, partial or no recognition of the benefit. First Financial recognizes interest accrued related to unrecognized tax benefits and penalties as income tax expense. At March 31, 2021 and December 31, 2020, the Company had no interest or penalties recorded. First Financial and its subsidiaries are subject to U.S. federal income tax as well as state and local income tax in several jurisdictions. Tax years prior to 2017 have been closed and are no longer subject to U.S. federal income tax examinations. Tax years 2017 through 2020 remain open to examination by the federal taxing authority. With limited exception, First Financial is no longer subject to state and local income tax examinations for years prior to 2017.

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	3 Months Ended
	Mar. 31, 2021
Retirement Benefits [Abstract]
EMPLOYEE BENEFIT PLANS	EMPLOYEE BENEFIT PLANS First Financial sponsors a non-contributory defined benefit pension plan which covers substantially all employees and uses a December 31 measurement date for the plan. Plan assets are primarily invested in fixed income and publicly traded equity mutual funds. The pension plan does not directly own any shares of First Financial common stock or any other First Financial security or product. First Financial made no cash contributions to fund the pension plan during the three months ended March 31, 2021, or the year ended December 31, 2020, and does not expect to make cash contributions to the plan through the remainder of 2021. As a result of the plan’s actuarial projections, First Financial recorded expense as set forth in the following table. The amounts are recognized in First Financial’s Consolidated Statements of Income related to the Company's pension plan. Three months ended March 31, (Dollars in thousands) 2021 2020 Service cost $ 2,350 $ 1,850 Interest cost 525 600 Expected return on assets (2,550) (2,475) Amortization of prior service cost (100) (100) Net actuarial loss 625 525 Net periodic benefit cost (income) $ 850 $ 400

REVENUE RECOGNITION

REVENUE RECOGNITION	3 Months Ended
	Mar. 31, 2021
Revenue Recognition [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITION The majority of the Company’s revenues come from sources that are outside of the scope of ASU 2014-09, Revenue from Contracts with Customers. Income sources that are outside of this standard include income earned on loans, leases, securities, derivatives and foreign exchange The Company's services that fall within the scope of ASU 2014-09 are presented within Noninterest income and are recognized as revenue when the Company satisfies its obligation to the customer. Services within the scope of this guidance include service charges on deposits, trust and wealth management fees, bankcard income, gain/loss on the sale of OREO and investment brokerage fees. Service charges on deposit accounts. The Company earns revenues from its deposit customers for transaction-based fees, account maintenance fees and overdraft fees. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Similarly, overdraft fees are recognized at the point in time that the overdraft occurs as this corresponds with the Company's performance obligation. Service charges on deposit accounts are withdrawn from the customer's deposit account. Trust and wealth management fees. Trust and wealth management fees are primarily asset-based, but can also include flat fees based upon a specific service rendered, such as tax preparation services. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fees. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and wealth management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, as incurred. Bankcard income. The Company earns interchange fees from cardholder transactions conducted through the Visa payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized concurrent with the transaction processing services provided to the cardholder. Interchange income is presented on the Consolidated Statements of Income net of expenses. Gross interchange income for the first quarter of 2021 was $5.7 million, which was partially offset by $3.0 million of expenses within Noninterest income. Similarly, gross interchange income for the first quarter of 2020 was $5.7 million, which was partially offset by $3.0 million of expenses. Other. Other noninterest income consists of other recurring revenue streams such as transaction fees, safe deposit rental income, insurance commissions, merchant referral income, gain (loss) on sale of OREO and brokerage revenue. Transaction fees primarily include check printing sales commissions, collection fees and wire transfer fees which arise from in-branch transactions. Safe deposit rental income arises from fees charged to the customer on an annual basis and recognized upon receipt of payment. Insurance commissions are agent commissions earned by the Company and earned upon the effective date of the bound coverage. Merchant referral income is associated with a program whereby the Company receives a share of processing revenue that is generated from clients that were referred by First Financial to the service provider. Revenue is recognized at the point in time when the transaction occurs. The Company records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of the executed deed. When the Company finances the sale of OREO to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectibility of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. Brokerage revenue represents fees from investment brokerage services provided to customers by a third party provider. The Company receives commissions from the third-party service provider on a monthly basis based upon customer activity for the month. The fees are recognized monthly and a receivable is recorded until commissions are paid the following month. Because the Company (i) acts as an agent in arranging the relationship between the customer and the third-party service provider and (ii) does not control the services rendered to the customers, investment brokerage fees are presented net of related costs.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	3 Months Ended
	Mar. 31, 2021
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE The following table sets forth the computation of basic and diluted earnings per common share: Three months ended March 31, (Dollars in thousands, except per share data) 2021 2020 Numerator Net income available to common shareholders $ 47,315 $ 28,628 Denominator Weighted average shares outstanding for basic earnings per common share 96,873,940 97,736,690 Effect of dilutive securities Employee stock awards 853,587 619,524 Adjusted weighted average shares for diluted earnings per common share 97,727,527 98,356,214 Earnings per share available to common shareholders Basic $ 0.49 $ 0.29 Diluted $ 0.48 $ 0.29

FAIR VALUE DISCLOSURES

FAIR VALUE DISCLOSURES	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures [Abstract]
FAIR VALUE DISCLOSURES	FAIR VALUE DISCLOSURES The fair value framework as disclosed in the Fair Value Topic includes a hierarchy which focuses on prioritizing the inputs used in valuation techniques. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1), a lower priority to observable inputs other than quoted prices in active markets for identical assets and liabilities (Level 2) and the lowest priority to unobservable inputs (Level 3). When determining the fair value measurements for assets and liabilities, First Financial looks to active markets to price identical assets or liabilities whenever possible and classifies such items in Level 1. When identical assets and liabilities are not traded in active markets, First Financial looks to observable market data for similar assets and liabilities and classifies such items as Level 2. Certain assets and liabilities are not actively traded in observable markets and First Financial must use alternative techniques, based on unobservable inputs, to determine the fair value and classifies such items as Level 3. The level within the fair value hierarchy is based on the lowest level of input that is significant in the fair value measurement. The estimated fair values of First Financial’s financial instruments not measured at fair value on a recurring or nonrecurring basis in the consolidated financial statements were as follows: Carrying Estimated fair value (Dollars in thousands) value Total Level 1 Level 2 Level 3 March 31, 2021 Financial assets Cash and short-term investments $ 229,371 $ 229,371 $ 229,371 $ 0 $ 0 Investment securities held-to-maturity 121,945 124,294 0 124,294 0 Other investments 131,814 131,814 949 121,457 9,408 Loans and leases 9,764,046 9,767,354 0 0 9,767,354 Accrued interest receivable 51,520 51,520 0 13,299 38,221 Financial liabilities Deposits Deposits 12,648,069 12,652,266 0 12,652,266 0 Short-term borrowings 181,387 181,387 181,387 0 0 Long-term debt 583,722 581,177 0 581,177 0 Accrued interest payable 5,723 5,723 0 5,723 0 Carrying Estimated fair value (Dollars in thousands) value Total Level 1 Level 2 Level 3 December 31, 2020 Financial assets Cash and short-term investments $ 251,359 $ 251,359 $ 251,359 $ 0 $ 0 Investment securities held-to-maturity 131,687 136,698 0 136,698 0 Other investments 133,198 133,198 837 122,953 9,408 Loans and leases 9,725,291 9,743,497 0 0 9,743,497 Accrued interest receivable 50,903 50,903 0 13,221 37,682 Financial liabilities Deposits 12,232,003 12,238,058 0 12,238,058 0 Short-term borrowings 166,594 166,594 166,594 0 0 Long-term debt 776,202 774,674 0 774,674 0 Accrued interest payable 6,240 6,240 14 6,226 0 The following methods, assumptions and valuation techniques were used by First Financial to measure different financial assets and liabilities at fair value on a recurring or nonrecurring basis. Investment securities. Investment securities classified as available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar investment securities. First Financial compiles prices from various sources who may apply such techniques as matrix pricing to determine the value of identical or similar investment securities (Level 2). Matrix pricing is a mathematical technique widely used in the banking industry to value investment securities without relying exclusively on quoted prices for the specific investment securities but rather relying on the investment securities’ relationship to other benchmark quoted investment securities. Any investment securities not valued based upon the methods previously described are considered Level 3. First Financial utilizes values provided by third-party pricing vendors to price the investment securities portfolio in accordance with the fair value hierarchy of the Fair Value Topic and reviews the pricing methodologies utilized by the pricing vendors to ensure that the fair value determination is consistent with the applicable accounting guidance. First Financial’s pricing process includes a series of quality assurance activities where prices are compared to recent market conditions, historical prices and other independent pricing services. Further, the Company periodically validates the fair value of a sample of securities in the portfolio by comparing the fair values to prices from other independent sources for the same or similar securities. First Financial analyzes unusual or significant variances, conducts additional research with the pricing vendor, and if necessary, takes appropriate action based on its findings. The results of the quality assurance process are incorporated into the selection of pricing providers by the portfolio manager. Loans held for sale. The fair value of the Company’s residential mortgage loans held for sale is determined on a recurring basis based on quoted prices for similar loans in active markets, and therefore, is classified as a Level 2 measurement. Derivatives. The fair values of derivative instruments are based primarily on a net present value calculation of the cash flows related to the interest rate swaps and foreign exchange contracts at the reporting date, using primarily observable market inputs such as interest rate yield curves which represents the cost to terminate the swap if First Financial should choose to do so. Additionally, First Financial utilizes an internally-developed model to value the credit risk component of derivative assets and liabilities, which is recorded as an adjustment to the fair value of the derivative asset or liability on the reporting date. Derivative instruments are classified as Level 2 in the fair value hierarchy. Collateral dependent loans. Collateral dependent loans carried at fair value have been partially charged-off or receive specific allocations of the allowance for credit losses. For collateral dependent loans, fair value is generally based on real estate appraisals, a calculation of enterprise value or a valuation of business assets including equipment, inventory and accounts receivable. These loans had a principal amount of $30.9 million and $45.3 million at March 31, 2021 and December 31, 2020, respectively, with a valuation allowance of $10.2 million and $13.5 million at March 31, 2021 and December 31, 2020, respectively. The value of real estate collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed third-party appraiser (Level 3). These appraisals may utilize a single valuation approach or a combination of approaches including the comparable sales approach and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Collateral is then adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and the client’s business, resulting in a Level 3 fair value classification. Collateral dependent loans are evaluated on a quarterly basis for additional write-downs and are adjusted accordingly. Enterprise value is defined as imputed value for the entire underlying business. To determine an appropriate range of enterprise value, FFB relies on a standardized set of valuation methodologies that take into account future projected cash flows, market based multiples as well as asset values. Valuations involve both quantitative and qualitative considerations and professional judgments concerning differences in financial and operating characteristics in addition to other factors that may impact values over time (Level 3). The value of business equipment is based on an outside appraisal, if deemed significant, or the net book value on the applicable borrower financial statements. Likewise, values for inventory and accounts receivable collateral are based on borrower financial statement balances or aging reports on a discounted basis as appropriate (Level 3). The fair value of collateral dependent loans is measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for credit losses on the Consolidated Statements of Income. OREO. Assets acquired through loan foreclosure are recorded at fair value less costs to sell, with any difference between the fair value of the property and the carrying value of the loan recorded as a charge-off establishing a new cost basis. Subsequent changes in value are reported as adjustments to the carrying amount and are recorded in noninterest expense. The carrying value of OREO is not re-measured to fair value on a recurring basis, but is subject to fair value adjustments when the carrying value differs from the fair value, less estimated selling costs. Fair value is based on recent real estate appraisals and is updated at least annually. The Company classifies OREO in level 3 of the fair value hierarchy. The financial assets and liabilities measured at fair value on a recurring basis in the consolidated financial statements were as follows: Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 Assets/liabilities March 31, 2021 Assets Investment securities available-for-sale $ 10,260 $ 3,703,825 $ 39,678 $ 3,753,763 Loans held for sale 0 34,590 0 34,590 Interest rate derivative contracts 0 122,156 0 122,156 Foreign exchange derivative contracts 0 104,700 0 104,700 Total $ 10,260 $ 3,965,271 $ 39,678 $ 4,015,209 Liabilities Interest rate derivative contracts $ 0 $ 122,592 $ 0 $ 122,592 Foreign exchange derivative contracts 0 104,700 0 104,700 Total $ 0 $ 227,292 $ 0 $ 227,292 Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 Assets/liabilities December 31, 2020 Assets Investment securities available-for-sale $ 103 $ 3,383,902 $ 40,575 $ 3,424,580 Loans held for sale 0 41,103 0 41,103 Interest rate derivative contracts 0 185,032 0 185,032 Foreign exchange derivative contracts 0 87,615 0 87,615 Total $ 103 $ 3,697,652 $ 40,575 $ 3,738,330 Liabilities Interest rate derivative contracts $ 0 $ 186,124 $ 0 $ 186,124 Foreign exchange derivative contracts $ 0 $ 87,615 $ 0 $ 87,615 Total $ 0 $ 273,739 $ 0 $ 273,739 The following table presents a reconciliation for certain AFS securities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31, 2021 and March 31, 2020. Three months ended March 31, (dollars in thousands) 2021 2020 Beginning balance $ 40,575 $ 9,190 Accretion (amortization) (9) 16 Increase (decrease) in fair value 12 (30) Settlements (900) 35,074 Ending balance $ 39,678 $ 44,250 Certain financial assets and liabilities are measured at fair value on a nonrecurring basis. Adjustments to the fair market value of these assets usually result from the application of fair value accounting or write-downs of individual assets. The following table summarizes financial assets and liabilities measured at fair value on a nonrecurring basis. Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 March 31, 2021 Assets Collateral dependent loans Commercial $ 0 $ 0 $ 10,732 Commercial real estate 0 0 9,986 OREO 0 0 54 Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 December 31, 2020 Assets Collateral dependent loans Commercial $ 0 $ 0 $ 25,367 Commercial real estate 0 0 6,432 OREO 0 0 54 Fair value option. First Financial may elect to report most financial instruments and certain other items at fair value on an instrument-by instrument basis with changes in fair value reported in net income. After the initial adoption, the election is made at the acquisition of an eligible financial asset, financial liability, or firm commitment or when certain specified reconsideration events occur. The fair value election may not be revoked once an election is made. The Company elected the fair value option for residential mortgage loans held for sale. This election allows for a more effective offset of the changes in fair values of the loans held for sale and the derivative financial instruments used to financially hedge them without having to apply complex hedge accounting requirements. The fair value of the Company’s residential mortgage loans held for sale was determined based on quoted prices for similar loans in active markets. The aggregate fair value of the Company’s residential mortgage loans held for sale as of March 31, 2021 and December 31, 2020 was $34.6 million and $41.1 million, respectively. The aggregate unpaid principal balance of the Company’s residential mortgage loans held for sale as of March 31, 2021 and December 31, 2020 was $30.3 million and $35.5 million, respectively. The resulting difference between the aggregate fair value and the aggregate remaining principal balance for loans for which the fair value option has been elected was $4.3 million and $5.6 million as of March 31, 2021 and December 31, 2020, respectively.

Organization, Consolidation a_2

Organization, Consolidation and Presentation of Financial Statements (Policies)	3 Months Ended
	Mar. 31, 2021
Basis of Presentation Policy	Basis of presentation. The Consolidated Financial Statements of First Financial Bancorp., a financial holding company principally serving Ohio, Indiana, Kentucky and Illinois, include the accounts and operations of First Financial and its wholly-owned subsidiary, First Financial Bank. All significant intercompany transactions and accounts have been eliminated in consolidation. Certain reclassifications of prior periods' amounts have been made to conform to current year presentation. Such reclassifications had no effect on net earnings. These interim financial statements have been prepared in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they may not include all of the information and accompanying notes necessary to constitute a complete set of financial statements required by GAAP and should be read in conjunction with the audited consolidated financial statements and related notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. Management believes these unaudited consolidated financial statements reflect all adjustments of a normal recurring nature which are necessary for a fair presentation of the results for the interim periods presented. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. The Consolidated Balance Sheet as of December 31, 2020 has been derived from the audited financial statements in the Company’s 2020 Form 10-K.
Use of Estimates, Policy	Use of estimates. The preparation of financial statements in conformity with GAAP requires management to make estimates, assumptions and judgments that affect the amounts reported in the Consolidated Financial Statements and accompanying Notes. These estimates, assumptions and judgments are inherently subjective and may be susceptible to significant change. Actual realized amounts could differ materially from these estimates.
Economic Impact Policy	COVID-19. In the majority of 2020 and the first quarter of 2021, First Financial's operations and financial results were significantly impacted by the COVID-19 pandemic. The spread of COVID-19 has caused significant economic disruption throughout the United States as state and local governments issued stay at home orders and temporarily closed non-essential businesses. The full financial impact from the pandemic is unknown at this time, however prolonged disruption from the pandemic may adversely impact several industries within the Company's geographic footprint and impair the ability of First Financial's customers to fulfill their contractual obligations to the Company. This could cause First Financial to experience a material adverse effect on business operations, asset valuations, financial condition and results of operations. Material adverse impacts may include all or a combination of valuation impairments on First Financial's intangible assets, investments, loans, mortgage servicing rights or counter-party risk derivatives.
Loans and Leases Receivable, Past Due Status, Policy	Delinquency. Loans are considered past due or delinquent when the contractual principal or interest due in accordance with the terms of the loan agreement remains unpaid after the date of the scheduled payment.
Loans and Leases Receivable, Nonaccrual Loan and Lease Status, Policy	Loans are classified as nonaccrual when, in the opinion of management, collection of principal or interest is doubtful or when principal or interest payments are 90 days or more past due. Generally, loans are classified as nonaccrual due to the continued failure to adhere to contractual payment terms by the borrower, coupled with other pertinent factors. When a loan is classified as nonaccrual, the accrual of interest income is discontinued and previously accrued but unpaid interest is reversed. Any payments received while a loan is on nonaccrual status are applied as a reduction to the carrying value of the loan. A loan classified as nonaccrual may return to accrual status if none of the principal and interest is due and unpaid, and the Bank expects repayment of the remaining contractual principal and interest.
Loans and Leases Receivable, Troubled Debt Restructuring Policy	A loan modification is considered a TDR when the borrower is experiencing financial difficulty and a concession is made by the Company that would not otherwise be considered for a borrower with similar credit characteristics. The most common types of modifications include interest rate reductions, maturity extensions and modifications to principal amortization, including interest-only structures. Modified terms are dependent upon the financial position and needs of the individual borrower. If the modification agreement is violated, the loan is managed by the Company’s credit administration group for resolution, which may result in foreclosure in the case of real estate. In accordance with the CARES Act, performing loans that demonstrated limited signs of credit deterioration, but were modified to provide borrowers relief during the COVID-19 pandemic were not considered to be TDR as of March 31, 2021 or December 31, 2020.TDRs are generally classified as nonaccrual for a minimum period of six months and may qualify for return to accrual status once they have demonstrated performance with the restructured terms of the loan agreement.
Impaired Financing Receivable, Policy	Loans classified as nonaccrual and loans modified as TDRs are considered nonperforming.First Financial individually reviews all nonperforming loan relationships greater than $250,000 to determine if an individually evaluated allowance is necessary based on the borrower’s overall financial condition, resources and payment record, support from guarantors and the realizable value of any collateral. Individually evaluated allowances are based on discounted cash flows using the loan's initial effective interest rate or the fair value of the collateral for certain collateral dependent loans.
Loans and Leases Receivable, Real Estate Acquired Through Foreclosure, Policy	OREO consists of properties acquired by the Company primarily through the loan foreclosure or repossession process, that results in partial or total satisfaction of problem loans.
Loans and Leases Receivable, Allowance for Loan Losses Policy	Allowance for credit losses - loans and leases. The allowance for credit losses is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. The ACL is increased by provision expense and decreased by charge-offs, net of recoveries of amounts previously charged-off. First Financial's policy is to charge-off all or a portion of a loan when, in management's opinion, it is unlikely to collect the principal amount owed in full either through payments from the borrower or a guarantor or from the liquidation of collateral. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Accrued interest receivable on loans and leases, which totaled $38.2 million and $37.7 million as of March 31, 2021 and December 31, 2020, respectively , is excluded from the estimate of credit losses. Management estimates the allowance balance using relevant available information from both internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Historical credit loss experience paired with economic forecasts provides the basis for the quantitatively modeled estimation of expected credit losses. First Financial adjusts its quantitative model, as necessary, to reflect conditions not already considered by the quantitative model. These adjustments are commonly known as the Qualitative Framework. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL using the following methods: Commercial and industrial – C&I loans include revolving lines of credit and term loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, leasehold improvements or other projects. C&I loans are generally underwritten individually and secured with the assets of the Company and/or the personal guarantee of the business owners. C&I loans also include ABL, equipment and leasehold improvement financing for franchisees in the quick service and casual dining restaurant sector and commission-based loans to insurance agents and brokers. ABL transactions typically involve larger commercial clients and are secured by specific assets, such as inventory, accounts receivable, machinery and equipment. In the franchise lending space, First Financial focuses on a limited number of restaurant concepts that have sound economics, low closure rates and strong brand awareness within specified local, regional or national markets. Within the insurance lending platform, First Financial serves insurance agents and brokers that are looking to maximize their book-of-business value and grow their agency business. Current period default rates are utilized in the modeling of the ACL for C&I loans, and are adjusted for forecasted changes in the treasury term spread and market volatility index. Changes in current period defaults or forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Lease financing – Lease financing consists of lease transactions for the acquisition of both new and used business equipment for commercial clients. Lease products may include tax leases, finance leases, lease lines of credit and interim funding. The credit underwriting for lease transactions includes detailed analysis of the lessee's industry and business model, nature of the equipment, equipment resale values, historical and projected cash flow analysis, secondary sources of repayment and guarantor support in addition to other considerations. The ACL model for leases sources expected default rates from the C&I portfolio model. Therefore, changes in forecasted expectations for the treasury term spread and market volatility index could result in volatility in the Company's ACL in future periods. Construction real estate – Real estate construction loans are term loans to individuals, companies or developers used for the construction or development of a commercial or residential property for which repayment will be generated by the sale or permanent financing of the property. Generally, these loans are for construction projects that have been pre-sold, pre-leased or have secured permanent financing, as well as loans to real estate companies with significant equity invested in the project. An independent credit team underwrites construction real estate loans, which are managed by experienced lending officers and monitored through the construction phase by a centralized funding desk that manages loan disbursements. The construction ACL model is adjusted for forecasted changes in rental vacancy rates in the Bank's geographic footprint and the housing price index. Changes in forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Commercial real estate - owner & investor – Commercial real estate loans consist of term loans secured by a mortgage lien on real estate properties such as apartment buildings, office and industrial buildings and retail shopping centers. Additionally, the Company's franchise lending activities discussed in the "Commercial and Industrial" section often include the financing of real estate in addition to equipment. The credit underwriting for both owner-occupied and investor income producing real estate loans includes detailed market analysis, historical and projected cash flow analysis, appropriate equity margins, assessment of lessees and lessors, environmental risks and the type, age, condition and location of real estate, among other factors. First Financial models owner-occupied and investor CRE separately when determining the ACL. For owner occupied CRE, current period default rates are utilized in the modeling, and are adjusted for forecasted changes in the BAA bond spread, national rental vacancy rates and the consumer confidence index. Current period default rates are also utilized in the modeling of investor CRE loans, and are adjusted for forecasted changes in the BAA bond spread, multifamily building permits within the Bank’s geographic footprint and national rental vacancy rates. Changes in current period defaults and forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Residential real estate – Residential real estate loans represent loans to consumers for the financing of a residence. These loans generally have a 15 to 30 year term and a fixed interest rate, but may have a shorter term to maturity with an adjustable interest rate. In most cases, these loans are extended to borrowers to finance their primary residence. First Financial sells residential real estate loan originations into the secondary market on both servicing retained and servicing released bases. Residential real estate loans are generally underwritten to secondary market lending standards, utilizing underwriting processes that rely on empirical data to assess credit risk as well as analysis of the borrower's ability to repay their obligations, credit history, the amount of any down payment and the market value or other characteristics of the property. First Financial also offers a residential mortgage product that features similar borrower credit characteristics but a more streamlined underwriting process than typically required to sell to government-sponsored enterprises and thus is retained on the Consolidated Balance Sheets. The residential real estate ACL model is adjusted for forecasted changes in the housing price index, housing starts within the Bank’s geographic footprint and national single-family existing home sa l es. Changes in forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Home equity – Home equity lending includes both home equity loans and revolving lines of credit secured by a first or second lien on the borrower’s residence. Home equity lending underwriting considerations include the borrower's credit history as well as to debt-to-income and loan-to-value policy limits. The home equity ACL model is adjusted for forecasted changes in the consumer credit growth rate within the Bank’s geographic footprint and the working-age labor participation rate. Changes in forecasted expectations for these economic variables could result in volatility in the Company's ACL in future periods. Installment – Installment lending consists of consumer loans not secured by real estate, including loans secured by automobiles and unsecured personal loans. The ACL model for installment loans sources expected default rates from the residential real estate and home equity portfolio models and is paired with installment specific LGD rates. Changes in forecasted expectations for the consumer credit growth rate within the Bank’s geographic footprint, the working-age labor participation rate, the housing price index, housing starts within the Bank’s geographic footprint and national existing single-family existing home sa l es could result in volatility in the Company's ACL in future periods. Credit card – Credit card lending consists of secured and unsecured revolving lines of credit to consumer and business customers. Credit card lines are generally available for an indefinite period of time as long as the borrower's credit characteristics do not materially or adversely change, but lines are unconditionally cancellable by the Company at any time. The ACL model for credit card loans sources expected default rates from the residential real estate and home equity portfolio models and is paired with credit card specific LGD rates. Changes in forecasted expectations for the consumer credit growth rate within the Bank’s geographic footprint, the working-age labor participation rate, the housing price index, housing starts within the Bank’s geographic footprint and national existing single-family existing home sa l es could result in volatility in the Company's ACL in future periods. The Company utilized the final Moody's March baseline forecast as its R&S forecast in the quantitative model, which included consideration of the impact from both the COVID-19 pandemic and the related government stimulus response. For reasonableness, the Company also considered the impact to the model from alternative, more adverse economic forecasts, slower prepayment speeds and increased default rates. These alternative analyses were utilized to inform the Company's qualitative adjustments. Additionally, First Financial considered its credit exposure to certain industries believed to be at risk for future credit stress related to the COVID-19 pandemic, such as franchise, hotel and investor commercial real estate lending when making qualitative adjustments to the ACL model. First Financial's ACL is influenced by loan volumes, risk rating migration or delinquency status, and other conditions influencing loss expectations, such as reasonable and supportable forecasts of economic conditions. For the three months ended March 31, 2021, the ACL declined slightly due to improvements in economic forecasts and the Company's improved credit outlook.
Goodwill and Intangible Assets, Goodwill, Policy	Assets and liabilities acquired in a business combination are recorded at their estimated fair values as of the acquisition date. The excess of the purchase price of the acquisition over the fair value of net assets acquired is recorded as goodwill.
Goodwill and Intangible Assets, Goodwill Impairment Policy	Goodwill is evaluated for impairment on an annual basis as of October 1 of each year, or whenever events or changes in circumstances indicate that the fair value of a reporting unit may be below its carrying value. First Financial performed its most recent annual impairment test as of October 1, 2020 and no impairment was indicated. As of March 31, 2021, no events or changes in circumstances indicated that the fair value of a reporting unit was below its carrying value.
Goodwill and Intangible Assets, Policy	Core deposit intangibles represent the estimated fair value of acquired customer deposit relationships on the date of acquisition and are amortized on an accelerated basis over their estimated useful lives. First Financial's core deposit intangibles have an estimated weighted average remaining life of 6.8 years. First Financial recorded a $39.4 million customer list intangible asset in conjunction with the Bannockburn merger to account for the obligation or advantage on the part of either the Company or the customer to continue the pre-existing relationship subsequent to the merger. The customer list intangible asset is amortized on a straight-line basis over its estimated useful life of 11 years.
Lessee, Leases [Policy Text Block]	A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. First Financial is primarily the lessee in its leasing agreements, and substantially all of those agreements are for real estate property for branches, ATM locations or office space.
Commitments and Contingencies, Policy	First Financial offers a variety of financial instruments including loan commitments and letters of credit to assist clients in meeting their requirement for liquidity and credit enhancement. GAAP does not require these financial instruments to be recorded in the Consolidated Financial Statements. First Financial utilizes the same credit policies in issuing commitments and conditional obligations as it does for credit instruments recorded on the Consolidated Balance Sheets. First Financial’s exposure to credit loss in the event of non-performance by the counterparty was represented by the contractual amounts of those instruments. Effective January 1, 2020, First Financial adopted ASC 326, at which time First Financial estimated expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life consistent with the Company's ACL methodology for loans and leases. A djustments to the reserve for unfunded commitments are recorded in Provision for credit losses - unfunded commitments in the Consolidated Statements of Income. First Financial
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	Letters of credit are conditional commitments issued by First Financial to guarantee the performance of a client to a third party.  First Financial’s letters of credit consist of performance assurances made on behalf of clients who have a contractual commitment to produce or deliver goods or services.  The risk to First Financial arises from its obligation to make payment in the event of the client's contractual default to produce the contracted good or service to a third party.
Loan Commitments, Policy [Policy Text Block]	Loan commitments are agreements to extend credit to a client, absent any violation of conditions established in the commitment agreement.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments will expire without being fully drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The amount of collateral obtained, if deemed necessary by First Financial upon extension of credit, is based on management’s credit evaluation of the client.  The collateral held varies, but may include securities, real estate, inventory, plant or equipment.
Income Tax, Policy	The unrecognized tax benefits relate to state income tax exposures where the Company believes it is likely that, upon examination, a state may take a position contrary to the position taken by First Financial.
Fair Value Measurement, Policy [Policy Text Block]	The fair value framework as disclosed in the Fair Value Topic includes a hierarchy which focuses on prioritizing the inputs used in valuation techniques.  The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1), a lower priority to observable inputs other than quoted prices in active markets for identical assets and liabilities (Level 2) and the lowest priority to unobservable inputs (Level 3).  When determining the fair value measurements for assets and liabilities, First Financial looks to active markets to price identical assets or liabilities whenever possible and classifies such items in Level 1.  When identical assets and liabilities are not traded in active markets, First Financial looks to observable market data for similar assets and liabilities and classifies such items as Level 2.  Certain assets and liabilities are not actively traded in observable markets and First Financial must use alternative techniques, based on unobservable inputs, to determine the fair value and classifies such items as Level 3. The level within the fair value hierarchy is based on the lowest level of input that is significant in the fair value measurement.
Fair Value of Financial Instruments, Policy	The following methods, assumptions and valuation techniques were used by First Financial to measure different financial assets and liabilities at fair value on a recurring or nonrecurring basis. Investment securities. Investment securities classified as available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar investment securities. First Financial compiles prices from various sources who may apply such techniques as matrix pricing to determine the value of identical or similar investment securities (Level 2). Matrix pricing is a mathematical technique widely used in the banking industry to value investment securities without relying exclusively on quoted prices for the specific investment securities but rather relying on the investment securities’ relationship to other benchmark quoted investment securities. Any investment securities not valued based upon the methods previously described are considered Level 3. First Financial utilizes values provided by third-party pricing vendors to price the investment securities portfolio in accordance with the fair value hierarchy of the Fair Value Topic and reviews the pricing methodologies utilized by the pricing vendors to ensure that the fair value determination is consistent with the applicable accounting guidance. First Financial’s pricing process includes a series of quality assurance activities where prices are compared to recent market conditions, historical prices and other independent pricing services. Further, the Company periodically validates the fair value of a sample of securities in the portfolio by comparing the fair values to prices from other independent sources for the same or similar securities. First Financial analyzes unusual or significant variances, conducts additional research with the pricing vendor, and if necessary, takes appropriate action based on its findings. The results of the quality assurance process are incorporated into the selection of pricing providers by the portfolio manager. Loans held for sale. The fair value of the Company’s residential mortgage loans held for sale is determined on a recurring basis based on quoted prices for similar loans in active markets, and therefore, is classified as a Level 2 measurement. Derivatives. The fair values of derivative instruments are based primarily on a net present value calculation of the cash flows related to the interest rate swaps and foreign exchange contracts at the reporting date, using primarily observable market inputs such as interest rate yield curves which represents the cost to terminate the swap if First Financial should choose to do so. Additionally, First Financial utilizes an internally-developed model to value the credit risk component of derivative assets and liabilities, which is recorded as an adjustment to the fair value of the derivative asset or liability on the reporting date. Derivative instruments are classified as Level 2 in the fair value hierarchy. Collateral dependent loans. Collateral dependent loans carried at fair value have been partially charged-off or receive specific allocations of the allowance for credit losses. For collateral dependent loans, fair value is generally based on real estate appraisals, a calculation of enterprise value or a valuation of business assets including equipment, inventory and accounts receivable. These loans had a principal amount of $30.9 million and $45.3 million at March 31, 2021 and December 31, 2020, respectively, with a valuation allowance of $10.2 million and $13.5 million at March 31, 2021 and December 31, 2020, respectively. The value of real estate collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed third-party appraiser (Level 3). These appraisals may utilize a single valuation approach or a combination of approaches including the comparable sales approach and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Collateral is then adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and the client’s business, resulting in a Level 3 fair value classification. Collateral dependent loans are evaluated on a quarterly basis for additional write-downs and are adjusted accordingly. Enterprise value is defined as imputed value for the entire underlying business. To determine an appropriate range of enterprise value, FFB relies on a standardized set of valuation methodologies that take into account future projected cash flows, market based multiples as well as asset values. Valuations involve both quantitative and qualitative considerations and professional judgments concerning differences in financial and operating characteristics in addition to other factors that may impact values over time (Level 3). The value of business equipment is based on an outside appraisal, if deemed significant, or the net book value on the applicable borrower financial statements. Likewise, values for inventory and accounts receivable collateral are based on borrower financial statement balances or aging reports on a discounted basis as appropriate (Level 3). The fair value of collateral dependent loans is measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for credit losses on the Consolidated Statements of Income. OREO. Assets acquired through loan foreclosure are recorded at fair value less costs to sell, with any difference between the fair value of the property and the carrying value of the loan recorded as a charge-off establishing a new cost basis. Subsequent changes in value are reported as adjustments to the carrying amount and are recorded in noninterest expense. The carrying value of OREO is not re-measured to fair value on a recurring basis, but is subject to fair value adjustments when the carrying value differs from the fair value, less estimated selling costs. Fair value is based on recent real estate appraisals and is updated at least annually. The Company classifies OREO in level 3 of the fair value hierarchy.
Other Contract-Mortgage
Derivatives, Methods of Accounting, Hedging Derivatives, Policy	First Financial enters into IRLCs and forward commitments for the future delivery of mortgage loans to third party investors, which are considered derivatives. When borrowers secure IRLCs with First Financial and the loans are intended to be sold, First Financial will enter into forward commitments for the future delivery of the loans to third party investors in order to hedge against the effect of changes in interest rates impacting IRLCs and loans held for sale.
Credit Risk
Derivatives, Methods of Accounting, Hedging Derivatives, Policy	First Financial manages market value credit risk through counterparty credit policies including a review of total derivative notional position to total assets, total credit exposure to total capital and counterparty credit exposure risk.
Fair Value Hedges
Derivatives, Methods of Accounting, Hedging Derivatives, Policy	First Financial utilizes interest rate swaps as a means to offer commercial borrowers fixed rate funding while providing the Company with floating rate assets

Income Taxes (Policies)

Income Taxes (Policies)	3 Months Ended
	Mar. 31, 2021
Income Tax Disclosure [Abstract]
Income Tax, Policy	The unrecognized tax benefits relate to state income tax exposures where the Company believes it is likely that, upon examination, a state may take a position contrary to the position taken by First Financial.

RECENTLY ADOPTED AND ISSUED A_2

RECENTLY ADOPTED AND ISSUED ACCOUNTING STANDARDS (Tables)	3 Months Ended
	Mar. 31, 2021
Accounting Standards Update and Change in Accounting Principle [Abstract]
Schedule of New Accounting Pronouncements and Changes in Accounting Principles	The impact of adopting ASC 326 was as follows: January 1, 2020 (dollars in thousands) As Reported under ASC 326 Pre-ASC 326 Impact of ASC 326 Adoption Assets Loans Commercial and industrial $ 28,485 $ 18,584 $ 9,901 Lease financing 1,089 971 118 Construction real estate 13,960 2,381 11,579 Commercial real estate 47,697 23,579 24,118 Residential real estate 10,789 5,299 5,490 Home equity 13,217 4,787 8,430 Installment 1,193 392 801 Credit card 2,725 1,657 1,068 Allowance for credit losses on loans $ 119,155 $ 57,650 $ 61,505 Liabilities Deferred tax liability $ 16,252 $ 33,030 $ (16,778) Allowance for credit losses on OBS credit exposures 12,740 585 12,155

INVESTMENTS (Tables)

INVESTMENTS (Tables)	3 Months Ended
	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Summary of Held-To-Maturity and Available-For-Sale Investment Securities	The following is a summary of HTM and AFS investment securities as of March 31, 2021: Held-to-maturity Available-for-sale (Dollars in thousands) Amortized Unrecognized gain Unrecognized loss Fair Amortized Unrealized Unrealized Fair U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 10,257 $ 3 $ 0 $ 10,260 Mortgage-backed securities - residential 0 0 0 0 784,407 12,488 (11,255) 785,640 Mortgage-backed securities - commercial 63,481 2,034 0 65,515 591,629 7,096 (3,680) 595,045 Collateralized mortgage obligations 17,580 109 (411) 17,278 661,322 17,796 (2,404) 676,714 Obligations of state and other political subdivisions 9,634 1,001 0 10,635 971,325 38,835 (8,541) 1,001,619 Asset-backed securities 0 0 0 0 601,836 4,075 (1,190) 604,721 Other securities 31,250 82 (466) 30,866 78,003 1,949 (188) 79,764 Total $ 121,945 $ 3,226 $ (877) $ 124,294 $ 3,698,779 $ 82,242 $ (27,258) $ 3,753,763 The following is a summary of HTM and AFS investment securities as of December 31, 2020: Held-to-maturity Available-for-sale (Dollars in thousands) Amortized Unrecognized gain Unrecognized Fair Amortized Unrealized Unrealized Fair U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 99 $ 4 $ 0 $ 103 Securities of U.S. government agencies and corporations 0 0 0 0 60 0 0 60 Mortgage-backed securities - residential 13,990 197 0 14,187 704,482 15,938 (237) 720,183 Mortgage-backed securities - commercial 71,737 3,485 0 75,222 584,125 10,395 (3,584) 590,936 Collateralized mortgage obligations 5,799 79 0 5,878 634,418 21,148 (445) 655,121 Obligations of state and other political subdivisions 9,911 1,239 0 11,150 856,054 46,755 (291) 902,518 Asset-backed securities 0 0 0 0 478,539 4,158 (826) 481,871 Other securities 30,250 11 0 30,261 72,252 1,544 (8) 73,788 Total $ 131,687 $ 5,011 $ 0 $ 136,698 $ 3,330,029 $ 99,942 $ (5,391) $ 3,424,580
Summary of Investment Securities by Estimated Maturity	The following table provides a summary of investment securities by contractual maturity as of March 31, 2021, except for residential and commercial mortgage-backed securities, collateralized mortgage obligations and asset-backed securities, which are shown as single totals due to the unpredictability of the timing in principal repayments. Held-to-maturity Available-for-sale (Dollars in thousands) Amortized Fair Amortized Fair By Contractual Maturity: Due in one year or less $ 0 $ 0 $ 14,781 $ 14,963 Due after one year through five years 0 0 56,598 58,309 Due after five years through ten years 37,135 37,662 184,348 192,197 Due after ten years 3,749 3,839 803,858 826,174 Mortgage-backed securities - residential 0 0 784,407 785,640 Mortgage-backed securities - commercial 63,481 65,515 591,629 595,045 Collateralized mortgage obligations 17,580 17,278 661,322 676,714 Asset-backed securities 0 0 601,836 604,721 Total $ 121,945 $ 124,294 $ 3,698,779 $ 3,753,763
Age of Gross Unrealized Losses and Associated Fair Value by Investment Category	The following tables provide the fair value and gross unrealized losses on investment securities in an unrealized loss position for which an allowance for credit losses has not been recorded, aggregated by investment category and the length of time the individual securities have been in a continuous loss position: March 31, 2021 Less than 12 months 12 months or more Total (Dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Securities of U.S. Government agencies and corporations 0 0 0 0 0 0 Mortgage-backed securities - residential 482,754 (11,255) 0 0 482,754 (11,255) Mortgage-backed securities - commercial 60,681 (1,665) 57,196 (2,015) 117,877 (3,680) Collateralized mortgage obligations 142,823 (2,815) 1 0 142,824 (2,815) Obligations of state and other political subdivisions 318,750 (8,527) 22,104 (14) 340,854 (8,541) Asset-backed securities 160,329 (970) 36,344 (220) 196,673 (1,190) Other securities 34,096 (654) 0 0 34,096 (654) Total $ 1,199,433 $ (25,886) $ 115,645 $ (2,249) $ 1,315,078 $ (28,135) December 31, 2020 Less than 12 months 12 months or more Total (Dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasuries $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Securities of U.S. Government agencies and corporations 0 0 0 0 0 0 Mortgage-backed securities - residential 57,872 (237) 0 0 57,872 (237) Mortgage-backed securities - commercial 169,825 (986) 48,158 (2,598) 217,983 (3,584) Collateralized mortgage obligations 49,161 (445) 1 0 49,162 (445) Obligations of state and other political subdivisions 60,008 (291) 0 0 60,008 (291) Asset-backed securities 84,749 (435) 68,967 (391) 153,716 (826) Other securities 4,992 (8) 0 0 4,992 (8) Total $ 426,607 $ (2,402) $ 117,126 $ (2,989) $ 543,733 $ (5,391)

LOANS AND LEASES (Tables)

LOANS AND LEASES (Tables)	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
Financial Receivable Credit Quality Indicators	The following table sets forth the Company's loan portfolio at March 31, 2021 by risk attribute and origination date: (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Term Total Revolving Total Commercial & industrial Pass $ 366,213 $ 978,739 $ 421,400 $ 268,946 $ 193,605 $ 223,038 $ 2,451,941 $ 484,869 $ 2,936,810 Special mention 0 4,012 6,521 15,318 5,520 14,225 45,596 7,444 53,040 Substandard 4 781 18,440 1,592 19,498 6,514 46,829 8,146 54,975 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 366,217 $ 983,532 $ 446,361 $ 285,856 $ 218,623 $ 243,777 $ 2,544,366 $ 500,459 $ 3,044,825 Lease financing Pass $ 5,144 $ 23,238 $ 13,968 $ 12,055 $ 6,148 $ 5,554 $ 66,107 $ 0 $ 66,107 Special mention 0 262 0 0 0 0 262 0 262 Substandard 0 3 0 0 154 48 205 0 205 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 5,144 $ 23,503 $ 13,968 $ 12,055 $ 6,302 $ 5,602 $ 66,574 $ 0 $ 66,574 Construction real estate Pass $ 2,020 $ 111,299 $ 313,468 $ 119,471 $ 23,109 $ 13,616 $ 582,983 $ 26,549 $ 609,532 Special mention 0 0 621 18,203 0 640 19,464 0 19,464 Substandard 0 0 13,713 0 0 0 13,713 0 13,713 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 2,020 $ 111,299 $ 327,802 $ 137,674 $ 23,109 $ 14,256 $ 616,160 $ 26,549 $ 642,709 Commercial real estate - investor Pass $ 133,166 $ 496,717 $ 1,040,587 $ 404,440 $ 367,020 $ 604,733 $ 3,046,663 $ 60,055 $ 3,106,718 Special mention 155 1,884 17,738 15,440 54,438 69,864 159,519 49 159,568 Substandard 0 6,203 11,739 35,233 7,000 21,105 81,280 121 81,401 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 133,321 $ 504,804 $ 1,070,064 $ 455,113 $ 428,458 $ 695,702 $ 3,287,462 $ 60,225 $ 3,347,687 Commercial real estate - owner Pass $ 25,535 $ 197,722 $ 156,909 $ 138,347 $ 126,865 $ 296,748 $ 942,126 $ 34,262 $ 976,388 Special mention 0 4,533 1,859 2,582 8,098 24,559 41,631 59 41,690 Substandard 63 649 9,964 13,169 3,006 3,928 30,779 38 30,817 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 25,598 $ 202,904 $ 168,732 $ 154,098 $ 137,969 $ 325,235 $ 1,014,536 $ 34,359 $ 1,048,895 Residential real estate Performing $ 40,728 $ 281,000 $ 212,472 $ 103,366 $ 54,096 $ 250,183 $ 941,845 $ 0 $ 941,845 Nonperforming 0 194 521 150 376 3,436 4,677 0 4,677 Total $ 40,728 $ 281,194 $ 212,993 $ 103,516 $ 54,472 $ 253,619 $ 946,522 $ 0 $ 946,522 Home equity Performing $ 10,325 $ 56,532 $ 18,679 $ 15,669 $ 10,278 $ 45,639 $ 157,122 $ 549,459 $ 706,581 Nonperforming 0 0 60 99 65 259 483 2,603 3,086 (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Term Total Revolving Total Total $ 10,325 $ 56,532 $ 18,739 $ 15,768 $ 10,343 $ 45,898 $ 157,605 $ 552,062 $ 709,667 Installment Performing $ 4,883 $ 19,420 $ 13,567 $ 9,569 $ 7,462 $ 4,209 $ 59,110 $ 23,154 $ 82,264 Nonperforming 10 40 40 11 7 14 122 35 157 Total $ 4,893 $ 19,460 $ 13,607 $ 9,580 $ 7,469 $ 4,223 $ 59,232 $ 23,189 $ 82,421 Credit cards Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 555 $ 555 $ 43,683 $ 44,238 Nonperforming 0 0 0 0 0 0 0 431 431 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 555 $ 555 $ 44,114 $ 44,669 Grand Total $ 588,246 $ 2,183,228 $ 2,272,266 $ 1,173,660 $ 886,745 $ 1,588,867 $ 8,693,012 $ 1,240,957 $ 9,933,969 The following table sets forth the Company's loan portfolio at December 31, 2020 by risk attribute and origination date: (Dollars in thousands) 2020 2019 2018 2017 2016 Prior Term Total Revolving Total Commercial & industrial Pass $ 1,141,163 $ 460,210 $ 296,221 $ 208,077 $ 122,686 $ 138,307 $ 2,366,664 $ 502,286 $ 2,868,950 Special mention 24,668 10,281 18,118 6,893 6,668 6,090 72,718 10,470 83,188 Substandard 6,709 2,370 8,022 26,565 5,124 1,192 49,982 5,389 55,371 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 1,172,540 $ 472,861 $ 322,361 $ 241,535 $ 134,478 $ 145,589 $ 2,489,364 $ 518,145 $ 3,007,509 Lease financing Pass $ 22,916 $ 22,397 $ 12,942 $ 6,967 $ 4,802 $ 2,368 $ 72,392 $ 0 $ 72,392 Special mention 290 0 0 0 0 0 290 0 290 Substandard 5 0 0 180 120 0 305 0 305 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 23,211 $ 22,397 $ 12,942 $ 7,147 $ 4,922 $ 2,368 $ 72,987 $ 0 $ 72,987 Construction real estate Pass $ 96,410 $ 259,524 $ 182,625 $ 23,185 $ 24,786 $ 426 $ 586,956 $ 19,671 $ 606,627 Special mention 0 621 18,203 9,984 661 0 29,469 0 29,469 Substandard 0 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 96,410 $ 260,145 $ 200,828 $ 33,169 $ 25,447 $ 426 $ 616,425 $ 19,671 $ 636,096 Commercial real estate - investor Pass $ 515,950 $ 1,011,898 $ 427,077 $ 378,536 $ 286,587 $ 361,403 $ 2,981,451 $ 56,398 $ 3,037,849 Special mention 0 17,463 15,534 44,426 32,408 43,704 153,535 559 154,094 Substandard 6,198 2,043 22,497 7,067 68 14,724 52,597 0 52,597 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 522,148 $ 1,031,404 $ 465,108 $ 430,029 $ 319,063 $ 419,831 $ 3,187,583 $ 56,957 $ 3,244,540 Commercial real estate - owner Pass $ 185,692 $ 162,480 $ 147,236 $ 125,275 $ 128,755 $ 211,519 $ 960,957 $ 36,721 $ 997,678 Special mention 4,292 11,380 2,891 8,230 3,017 19,384 49,194 59 49,253 Substandard 668 504 7,054 5,496 306 2,321 16,349 38 16,387 Doubtful 0 0 0 0 0 0 0 0 0 Total $ 190,652 $ 174,364 $ 157,181 $ 139,001 $ 132,078 $ 233,224 $ 1,026,500 $ 36,818 $ 1,063,318 (Dollars in thousands) 2020 2019 2018 2017 2016 Prior Term Total Revolving Total Residential real estate Performing $ 290,277 $ 241,601 $ 115,747 $ 64,220 $ 60,094 $ 224,281 $ 996,220 $ 0 $ 996,220 Nonperforming 321 429 673 643 87 4,713 6,866 0 6,866 Total $ 290,598 $ 242,030 $ 116,420 $ 64,863 $ 60,181 $ 228,994 $ 1,003,086 $ 0 $ 1,003,086 Home equity Performing $ 60,967 $ 20,200 $ 17,445 $ 11,308 $ 9,744 $ 41,571 $ 161,235 $ 577,609 $ 738,844 Nonperforming 0 0 0 39 28 138 205 4,050 4,255 Total $ 60,967 $ 20,200 $ 17,445 $ 11,347 $ 9,772 $ 41,709 $ 161,440 $ 581,659 $ 743,099 Installment Performing $ 21,584 $ 15,614 $ 11,041 $ 8,812 $ 1,954 $ 3,185 $ 62,190 $ 19,479 $ 81,669 Nonperforming 15 53 23 35 17 36 179 2 181 Total $ 21,599 $ 15,667 $ 11,064 $ 8,847 $ 1,971 $ 3,221 $ 62,369 $ 19,481 $ 81,850 Credit cards Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 47,845 $ 47,845 Nonperforming 0 0 0 0 0 0 0 640 640 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 48,485 $ 48,485 Grand Total $ 2,378,125 $ 2,239,068 $ 1,303,349 $ 935,938 $ 687,912 $ 1,075,362 $ 8,619,754 $ 1,281,216 $ 9,900,970
Loan Delinquency, including Nonaccrual Loans	Loan delinquency, including loans classified as nonaccrual, was as follows: As of March 31, 2021 (Dollars in thousands) 30 – 59 60 – 89 > 90 days Total Current Total > 90 days Loans Commercial & industrial $ 358 $ 1,577 $ 3,728 $ 5,663 $ 3,039,162 $ 3,044,825 $ 0 Lease financing 0 0 0 0 66,574 66,574 0 Construction real estate 0 0 0 0 642,709 642,709 0 Commercial real estate-investor 1,926 0 16,489 18,415 3,329,272 3,347,687 0 Commercial real estate-owner 50 373 285 708 1,048,187 1,048,895 0 Residential real estate 1,584 596 2,498 4,678 941,844 946,522 0 Home equity 972 355 1,758 3,085 706,582 709,667 0 Installment 116 12 29 157 82,264 82,421 0 Credit card 215 122 94 431 44,238 44,669 92 Total $ 5,221 $ 3,035 $ 24,881 $ 33,137 $ 9,900,832 $ 9,933,969 $ 92 As of December 31, 2020 (Dollars in thousands) 30 – 59 60 – 89 > 90 days Total Current Total > 90 days Loans Commercial & industrial $ 6,532 $ 0 $ 1,861 $ 8,393 $ 2,999,116 $ 3,007,509 $ 0 Lease financing 0 0 0 0 72,987 72,987 0 Construction real estate 0 0 0 0 636,096 636,096 0 Commercial real estate-investor 136 0 24,422 24,558 3,219,982 3,244,540 0 Commercial real estate-owner 6,480 174 400 7,054 1,056,264 1,063,318 0 Residential real estate 2,809 370 3,687 6,866 996,220 1,003,086 0 Home equity 1,483 835 1,937 4,255 738,844 743,099 0 Installment 94 35 51 180 81,670 81,850 0 Credit card 303 163 174 640 47,845 48,485 169 Total $ 17,837 $ 1,577 $ 32,532 $ 51,946 $ 9,849,024 $ 9,900,970 $ 169
Loans Restructured During Period	The following tables provide information on loan modifications classified as TDRs during the three months ended March 31, 2021 and 2020: Three months ended March 31, 2021 March 31, 2020 (Dollars in thousands) Number of loans Pre-modification loan balance Period end balance Number of loans Pre-modification loan balance Period end balance Commercial & industrial 4 $ 3,206 $ 3,070 2 $ 11,383 $ 11,383 Construction real estate 0 0 0 0 0 0 Commercial real estate 7 10,015 9,046 0 0 0 Residential real estate 10 1,023 1,000 14 1,129 1,073 Home equity 1 14 14 4 186 186 Installment 0 0 0 1 26 15 Total 22 $ 14,258 $ 13,130 21 $ 12,724 $ 12,657
Loans Restructured, Modifications	The following table provides information on how TDRs were modified during the three months ended March 31, 2021 and 2020: Three months ended March 31, (Dollars in thousands) 2021 2020 Extended maturities $ 0 $ 0 Adjusted interest rates 0 0 Combination of rate and maturity changes 0 0 Forbearance 6,163 1,008 Other (1) 6,967 11,649 Total $ 13,130 $ 12,657 (1) Includes covenant modifications and other concessions, or combination of concessions, that do not consist of interest rate adjustments, forbearance and maturity extensions
Nonaccrual, Restructured and Impaired Loans	The following table provides information on nonperforming loans: March 31, 2021 December 31, 2020 (Dollars in thousands) Nonaccrual loans with a related ACL Nonaccrual loans with no related ACL Total nonaccrual Nonaccrual loans with a related ACL Nonaccrual loans with no related ACL Total nonaccrual Nonaccrual loans (1) Commercial & industrial $ 12,505 $ 12,436 $ 24,941 $ 18,711 $ 10,519 $ 29,230 Lease financing 0 0 0 0 0 0 Construction real estate 0 0 0 0 0 0 Commercial real estate 18,402 26,112 44,514 6,957 27,725 34,682 Residential real estate 0 11,359 11,359 251 11,350 11,601 Home equity 0 4,286 4,286 0 5,076 5,076 Installment 0 146 146 0 163 163 Total nonaccrual loans $ 30,907 $ 54,339 $ 85,246 $ 25,919 $ 54,833 $ 80,752 (1) Nonaccrual loans include nonaccrual TDRs of $20.9 million and $14.7 million as of March 31, 2021 and December 31, 2020, respectively. Three months ended March 31, (Dollars in thousands) 2021 2020 Interest income effect on nonperforming loans Gross amount of interest that would have been recorded under original terms $ 1,487 $ 1,306 Interest included in income Nonaccrual loans 483 167 Troubled debt restructurings 86 235 Total interest included in income 569 402 Net impact on interest income $ 918 $ 904
Schedule of Collateral Dependent Loans	March 31, 2021 Type of Collateral (Dollar in thousands) Business Commercial real estate Equipment Land Residential real estate Other Total Class of loan Commercial & industrial $ 22,215 $ 1,874 $ 417 $ 0 $ 0 $ 435 $ 24,941 Commercial real estate-investor 0 25,115 0 6,198 214 0 31,527 Commercial real estate-owner 5,842 6,779 0 40 326 0 12,987 Residential real estate 0 0 0 0 11,359 0 11,359 Home equity 0 0 0 0 4,286 0 4,286 Installment 0 0 0 0 0 146 146 Total $ 28,057 $ 33,768 $ 417 $ 6,238 $ 16,185 $ 581 $ 85,246 December 31, 2020 Type of Collateral (Dollar in thousands) Business Commercial real estate Equipment Land Residential real estate Other Total Class of loan Commercial & industrial $ 30,961 $ 6,130 $ 2,608 $ 865 $ 0 $ 4,892 $ 45,456 Commercial real estate-investor 0 20,212 661 5,537 872 0 27,282 Commercial real estate-owner 5,842 3,495 0 42 344 0 9,723 Residential real estate 0 0 0 0 11,601 0 11,601 Home equity 0 0 0 0 5,076 0 5,076 Installment 0 0 0 0 0 163 163 Total $ 36,803 $ 29,837 $ 3,269 $ 6,444 $ 17,893 $ 5,055 $ 99,301
Changes in Other Real Estate Owned	Changes in OREO were as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Balance at beginning of period $ 1,287 $ 2,033 Additions Commercial & industrial 0 247 Residential real estate 0 146 Total additions 0 393 Disposals Commercial & industrial (246) (179) Residential real estate (187) (721) Total disposals (433) (900) Valuation adjustment Commercial & industrial 0 0 Residential real estate 0 (59) Total valuation adjustment 0 (59) Balance at end of period $ 854 $ 1,467

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2021
Receivables [Abstract]
Allowance for Credit Losses by Classification	Changes in the allowance by loan category were as follows: Three months ended March 31, 2021 (Dollars in thousands) Commercial & industrial Lease financing Construction real estate Commercial real estate Residential real estate Home equity Installment Credit card Total Allowance for credit losses: Beginning balance $ 51,454 $ 995 $ 21,736 $ 76,795 $ 8,560 $ 11,869 $ 1,215 $ 3,055 $ 175,679 Provision for credit losses 1,258 20 1,000 2,929 (855) (675) 22 (249) 3,450 Loans charged off (7,910) 0 (2) (1,250) (1) (611) (36) (222) (10,032) Recoveries 337 0 0 195 44 177 34 39 826 Total net charge-offs (7,573) 0 (2) (1,055) 43 (434) (2) (183) (9,206) Ending allowance for credit losses $ 45,139 $ 1,015 $ 22,734 $ 78,669 $ 7,748 $ 10,760 $ 1,235 $ 2,623 $ 169,923 Three months ended March 31, 2020 (Dollars in thousands) Commercial & industrial Lease financing Construction real estate Commercial real estate Residential real estate Home equity Installment Credit card Total Allowance for credit losses: Beginning balance, prior to adoption of ASC 326 $ 18,584 $ 971 $ 2,381 $ 23,579 $ 5,299 $ 4,787 $ 392 $ 1,657 $ 57,650 Impact of adopting ASC 326 9,901 118 11,579 24,118 5,490 8,430 801 1,068 61,505 Provision for credit losses 16,016 405 (449) 5,227 558 1,538 75 510 23,880 Loans charged off (1,091) 0 0 (4) (115) (267) (61) (311) (1,849) Recoveries 2,000 0 0 234 52 339 31 43 2,699 Total net charge-offs 909 0 0 230 (63) 72 (30) (268) 850 Ending allowance for credit losses $ 45,410 $ 1,494 $ 13,511 $ 53,154 $ 11,284 $ 14,827 $ 1,238 $ 2,967 $ 143,885

GOODWILL (Tables)

GOODWILL (Tables)	3 Months Ended
	Mar. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Changes in Carrying Amount of Goodwill	Changes in the carrying amount of goodwill for the three months ended March 31, 2021 and March 31, 2020 were as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Balance at beginning of period $ 937,771 $ 937,771 Goodwill resulting from business combinations 0 0 Balance at end of period $ 937,771 $ 937,771
Finite-Lived Intangible Assets [Line Items]
Schedule of Finite-Lived Intangible Assets [Table Text Block]	(Dollars in thousands) March 31, 2021 December 31, 2020 Gross Accumulated Gross Accumulated Amortized intangible assets Core deposit intangibles $ 51,031 $ (28,834) $ 51,031 $ (27,524) Customer list 39,420 (5,674) 39,420 (4,778) Other 10,146 (4,105) 10,113 (3,710) Total $ 100,597 $ (38,613) $ 100,564 $ (36,012)

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2021
Leases [Abstract]
Lease, Cost [Table Text Block]	The components of lease expense were as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Operating lease cost $ 1,851 $ 2,020 Short-term lease cost 29 41 Variable lease cost 679 641 Total operating lease cost $ 2,559 $ 2,702
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Future minimum commitments due under these lease agreements as of March 31, 2021 are as follows: (Dollars in thousands) Operating leases 2021 (remaining nine months) $ 5,036 2022 6,850 2023 6,952 2024 6,647 2025 6,038 Thereafter 53,150 Total lease payments 84,673 Less imputed interest 17,009 Total $ 67,664
Schedule of supplemental balance sheet information related to leases. [Table Text Block]	The weighted average remaining lease term and discount rate for the Company's operating leases were as follows: March 31, 2021 December 31, 2020 Operating leases Weighted-average remaining lease term 13.8 years 15.1 years Weighted-average discount rate 2.95 % 3.07 %
Schedule of supplemental cash flow information related to leases [Table Text Block]	Supplemental cash information at March 31, 2021 and 2020 related to leases was as follows: Three months ended March 31, (Dollars in thousands) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 1,790 $ 1,288 ROU assets obtained in exchange for lease obligations Operating leases 5,761 8,862

BORROWINGS (Tables)

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2021
Debt Disclosure [Abstract]
Schedule Of Remaining Contractual Maturity Of Secured Borrowings And Class Of Collateral Pledged Under Repurchase Agreements Table [Table Text Block]	The following shows the remaining contractual maturity of repurchase agreements by collateral pledged: (Dollars in thousands) Overnight and continuous Repurchase agreements Mortgage-backed securities $ 88,964 Collateralized mortgage obligations 40,423 Total $ 129,387
Summary of Long-term Debt	The following is a summary of First Financial's long-term debt: March 31, 2021 December 31, 2020 (Dollars in thousands) Amount Average rate Amount Average rate FRB borrowings $ 270,874 0.35 % $ 434,982 0.35 % FHLB borrowings 0 0.00 % 19,971 1.43 % Subordinated notes 312,906 4.82 % 321,384 4.86 % Unamortized debt issuance costs (2,673) N/A (2,770) N/A Lease liability 1,840 3.81 % 1,860 3.81 % Capital loan with municipality 775 0.00 % 775 0.00 % Total long-term debt $ 583,722 2.76 % $ 776,202 2.25 %

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2021
Equity [Abstract]
Related Tax Effects Allocated to Other Comprehensive Income and Accumulated Other Comprehensive Income (Loss)	The related tax effects allocated to other comprehensive income and reclassifications out of accumulated other comprehensive income (loss) are as follows: Three months ended March 31, 2021 Total other comprehensive income (loss) Total accumulated (Dollars in thousands) Prior to Reclass Pre-tax Tax effect Net of tax Beginning balance Net activity Ending balance Unrealized gain (loss) on debt securities $ (39,658) $ (166) $ (39,492) $ 8,524 $ (30,968) $ 73,576 $ (30,968) $ 42,608 Retirement obligation 0 (525) 525 (120) 405 (24,912) 405 (24,507) Total $ (39,658) $ (691) $ (38,967) $ 8,404 $ (30,563) $ 48,664 $ (30,563) $ 18,101 Three months ended March 31, 2020 Total other comprehensive income (loss) Total accumulated (Dollars in thousands) Prior to Reclass Pre-tax Tax effect Net of tax Beginning balance Net activity Ending balance Unrealized gain (loss) on debt securities $ (2,434) $ (59) $ (2,375) $ 512 $ (1,863) $ 41,264 $ (1,863) $ 39,401 Retirement obligation 0 (425) 425 (97) 328 (27,941) 328 (27,613) Total $ (2,434) $ (484) $ (1,950) $ 415 $ (1,535) $ 13,323 $ (1,535) $ 11,788
Other Accumulated Comprehensive income reclassified from AOCI	The following table presents the activity reclassified from accumulated other comprehensive income into income during the three month periods ended March 31, 2021 and 2020, respectively: Amount reclassified from Three months ended March 31, (Dollars in thousands) 2021 2020 Affected Line Item in the Consolidated Statements of Income Realized gain (loss) on securities available-for-sale $ (166) $ (59) Net gain (loss) on sales of investments securities Defined benefit pension plan Amortization of prior service cost (1) 100 100 Other noninterest expense Recognized net actuarial loss (1) (625) (525) Other noninterest expense Defined benefit pension plan total (525) (425) Total reclassifications for the period, before tax $ (691) $ (484) (1) Included in the computation of net periodic pension cost (see Note 13 - Employee Benefit Plans for additional details).

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Derivative Financial Instruments and Balances	The following table details the classification and amounts of client derivatives and foreign exchange contracts recognized in the Consolidated Balance Sheets: March 31, 2021 December 31, 2020 Estimated fair value Estimated fair value (Dollars in thousands) Balance sheet classification Notional Gain Loss Notional Gain Loss Client derivatives - instruments associated with loans Matched interest rate swaps with borrower Accrued interest and other assets $ 2,326,382 $ 111,765 $ (10,317) $ 2,300,336 $ 184,777 $ (107) Matched interest rate swaps with counterparty Accrued interest and other liabilities 2,326,382 10,317 (111,874) 2,300,336 107 (184,884) Foreign exchange contracts Matched foreign exchange contracts with customers Accrued interest and other assets 4,606,916 68,291 (36,409) 3,637,509 60,366 (27,249) Match foreign exchange contracts with counterparty Accrued interest and other liabilities 4,606,916 36,409 (68,291) 3,637,509 27,249 (60,366) Total $ 13,866,596 $ 226,782 $ (226,891) $ 11,875,690 $ 272,499 $ (272,606)
Disclosure by Type of Financial Instrument	The following table discloses the gross and net amounts of client derivatives and foreign exchange contracts recognized in the Consolidated Balance Sheets: March 31, 2021 December 31, 2020 (Dollars in thousands) Gross amounts of recognized liabilities Gross amounts offset in the Consolidated Balance Sheets Net amounts of liabilities (assets) presented in the Consolidated Balance Sheets Gross amounts of recognized liabilities Gross amounts offset in the Consolidated Balance Sheets Net amounts of liabilities (assets) presented in the Consolidated Balance Sheets Client derivatives Matched interest rate swaps with counterparty $ 122,191 $ (249,003) $ (126,812) $ 184,991 $ (385,088) $ (200,097) Foreign exchange contracts with counterparty 104,700 (10,253) 94,447 87,615 (17,392) 70,223 Total $ 226,891 $ (259,256) $ (32,365) $ 272,606 $ (402,480) $ (129,874)
Derivative Financial Instruments, Average Remaining Maturity and the Weighted-Average Interest Rates being Paid and Received	The following table details the derivative financial instruments, the average remaining maturities and the weighted-average interest rates being paid and received by First Financial at March 31, 2021: (Dollars in thousands) Notional Average Fair Client derivatives-interest rate contracts Receive fixed, matched interest rate swaps with borrower $ 2,326,382 6.1 $ 101,448 Pay fixed, matched interest rate swaps with counterparty 2,326,382 6.1 (101,557) Client derivatives-foreign exchange contracts Foreign exchange contracts-pay USD $ 4,606,916 0.6 31,882 Foreign exchange contracts-receive USD $ 4,606,916 0.6 (31,882) Total client derivatives $ 13,866,596 2.4 $ (109)

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies [Table Text Block]	The following table presents by type First Financial's active loan balances and related obligations to extend credit: March 31, 2021 December 31, 2020 (dollars in thousands) Unfunded commitment Loan balance Unfunded commitment Loan balance Commercial & industrial $ 1,335,354 $ 3,044,825 $ 1,270,765 $ 3,007,509 Lease financing 8,663 66,574 0 72,987 Construction real estate 347,676 642,709 374,008 636,096 Commercial real estate-investor 167,654 3,347,687 139,754 3,244,540 Commercial real estate-owner 42,809 1,048,895 51,637 1,063,318 Residential real estate 32,256 946,522 28,895 1,003,086 Home equity 777,786 709,667 762,406 743,099 Installment 17,644 82,421 18,229 81,850 Credit card 212,230 44,669 207,365 48,485 Total $ 2,942,072 $ 9,933,969 $ 2,853,059 $ 9,900,970

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2021
Retirement Benefits [Abstract]
Employee Benefit Plan Amounts Recognized in the Consolidated Balance Sheets and Consolidated Statements of Income	As a result of the plan’s actuarial projections, First Financial recorded expense as set forth in the following table. The amounts are recognized in First Financial’s Consolidated Statements of Income related to the Company's pension plan. Three months ended March 31, (Dollars in thousands) 2021 2020 Service cost $ 2,350 $ 1,850 Interest cost 525 600 Expected return on assets (2,550) (2,475) Amortization of prior service cost (100) (100) Net actuarial loss 625 525 Net periodic benefit cost (income) $ 850 $ 400

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	3 Months Ended
	Mar. 31, 2021
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following table sets forth the computation of basic and diluted earnings per common share: Three months ended March 31, (Dollars in thousands, except per share data) 2021 2020 Numerator Net income available to common shareholders $ 47,315 $ 28,628 Denominator Weighted average shares outstanding for basic earnings per common share 96,873,940 97,736,690 Effect of dilutive securities Employee stock awards 853,587 619,524 Adjusted weighted average shares for diluted earnings per common share 97,727,527 98,356,214 Earnings per share available to common shareholders Basic $ 0.49 $ 0.29 Diluted $ 0.48 $ 0.29

FAIR VALUE DISCLOSURES (Tables)

FAIR VALUE DISCLOSURES (Tables)	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures [Abstract]
Estimated Fair Values of Financial Instruments	The estimated fair values of First Financial’s financial instruments not measured at fair value on a recurring or nonrecurring basis in the consolidated financial statements were as follows: Carrying Estimated fair value (Dollars in thousands) value Total Level 1 Level 2 Level 3 March 31, 2021 Financial assets Cash and short-term investments $ 229,371 $ 229,371 $ 229,371 $ 0 $ 0 Investment securities held-to-maturity 121,945 124,294 0 124,294 0 Other investments 131,814 131,814 949 121,457 9,408 Loans and leases 9,764,046 9,767,354 0 0 9,767,354 Accrued interest receivable 51,520 51,520 0 13,299 38,221 Financial liabilities Deposits Deposits 12,648,069 12,652,266 0 12,652,266 0 Short-term borrowings 181,387 181,387 181,387 0 0 Long-term debt 583,722 581,177 0 581,177 0 Accrued interest payable 5,723 5,723 0 5,723 0 Carrying Estimated fair value (Dollars in thousands) value Total Level 1 Level 2 Level 3 December 31, 2020 Financial assets Cash and short-term investments $ 251,359 $ 251,359 $ 251,359 $ 0 $ 0 Investment securities held-to-maturity 131,687 136,698 0 136,698 0 Other investments 133,198 133,198 837 122,953 9,408 Loans and leases 9,725,291 9,743,497 0 0 9,743,497 Accrued interest receivable 50,903 50,903 0 13,221 37,682 Financial liabilities Deposits 12,232,003 12,238,058 0 12,238,058 0 Short-term borrowings 166,594 166,594 166,594 0 0 Long-term debt 776,202 774,674 0 774,674 0 Accrued interest payable 6,240 6,240 14 6,226 0
Summary of Financial Assets and Liabilities Measured at Fair Value on a Recurring Basis	The financial assets and liabilities measured at fair value on a recurring basis in the consolidated financial statements were as follows: Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 Assets/liabilities March 31, 2021 Assets Investment securities available-for-sale $ 10,260 $ 3,703,825 $ 39,678 $ 3,753,763 Loans held for sale 0 34,590 0 34,590 Interest rate derivative contracts 0 122,156 0 122,156 Foreign exchange derivative contracts 0 104,700 0 104,700 Total $ 10,260 $ 3,965,271 $ 39,678 $ 4,015,209 Liabilities Interest rate derivative contracts $ 0 $ 122,592 $ 0 $ 122,592 Foreign exchange derivative contracts 0 104,700 0 104,700 Total $ 0 $ 227,292 $ 0 $ 227,292 Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 Assets/liabilities December 31, 2020 Assets Investment securities available-for-sale $ 103 $ 3,383,902 $ 40,575 $ 3,424,580 Loans held for sale 0 41,103 0 41,103 Interest rate derivative contracts 0 185,032 0 185,032 Foreign exchange derivative contracts 0 87,615 0 87,615 Total $ 103 $ 3,697,652 $ 40,575 $ 3,738,330 Liabilities Interest rate derivative contracts $ 0 $ 186,124 $ 0 $ 186,124 Foreign exchange derivative contracts $ 0 $ 87,615 $ 0 $ 87,615 Total $ 0 $ 273,739 $ 0 $ 273,739
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The following table presents a reconciliation for certain AFS securities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31, 2021 and March 31, 2020. Three months ended March 31, (dollars in thousands) 2021 2020 Beginning balance $ 40,575 $ 9,190 Accretion (amortization) (9) 16 Increase (decrease) in fair value 12 (30) Settlements (900) 35,074 Ending balance $ 39,678 $ 44,250
Summary of Financial Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis	The following table summarizes financial assets and liabilities measured at fair value on a nonrecurring basis. Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 March 31, 2021 Assets Collateral dependent loans Commercial $ 0 $ 0 $ 10,732 Commercial real estate 0 0 9,986 OREO 0 0 54 Fair value measurements using (Dollars in thousands) Level 1 Level 2 Level 3 December 31, 2020 Assets Collateral dependent loans Commercial $ 0 $ 0 $ 25,367 Commercial real estate 0 0 6,432 OREO 0 0 54

RECENTLY ADOPTED AND ISSUED A_3

RECENTLY ADOPTED AND ISSUED ACCOUNTING STANDARDS - Additional Information (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Mar. 31, 2020	Mar. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	$ 61,505	$ 61,505
Off-Balance Sheet, Credit Loss, Liability, Change in Method, Credit Loss Expense (Reversal)	12,155
Deferred tax liability, Credit Loss, Change in Method, Credit Loss Expense (Reversal)	(16,778)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest				$ 2,282,070	$ 2,247,705
Loans and Leases Receivable, Allowance	$ 119,155	143,885	$ 169,923	175,679	57,650
Cumulative Effect, Period of Adoption, Adjustment [Member]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest					(56,882)
Retained earnings
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest		$ 660,653		720,429	711,249
Retained earnings | Cumulative Effect, Period of Adoption, Adjustment [Member]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest				$ (56,900)	$ (56,882)

RECENTLY ADOPTED AND ISSUED A_4

RECENTLY ADOPTED AND ISSUED ACCOUNTING STANDARDS (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Mar. 31, 2020	Mar. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	$ 119,155	$ 143,885	$ 169,923	$ 175,679	$ 57,650
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	61,505	61,505
Deferred Tax Liabilities, Deferred Expense	16,252				33,030
Deferred tax liability, Credit Loss, Change in Method, Credit Loss Expense (Reversal)	(16,778)
Off-Balance Sheet, Credit Loss, Liability	12,740				585
Off-Balance Sheet, Credit Loss, Liability, Change in Method, Credit Loss Expense (Reversal)	12,155
Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	28,485	45,410	45,139	51,454	18,584
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	9,901	9,901
Lease financing
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	1,089	1,494	1,015	995	971
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	118	118
Construction real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	13,960	13,511	22,734	21,736	2,381
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	11,579	11,579
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	47,697	53,154	78,669	76,795	23,579
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	24,118	24,118
Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	10,789	11,284	7,748	8,560	5,299
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	5,490	5,490
Home equity
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	13,217	14,827	10,760	11,869	4,787
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	8,430	8,430
Installment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	1,193	1,238	1,235	1,215	392
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	801	801
Credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Allowance	2,725	2,967	$ 2,623	$ 3,055	$ 1,657
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	$ 1,068	$ 1,068

INVESTMENTS - Additional Inform

INVESTMENTS - Additional Information (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2020USD ($)
Gain (Loss) on Securities [Line Items]
Proceeds from Sale of Debt Securities, Available-for-sale	$ 52,100	$ 29,900
Available-for-sale Securities, Gross Realized Gains	600	0
Available-for-sale Securities, Gross Realized Losses	$ 700	$ 100
NumberOfSecuritiesInSecurityPortfolio	1,402		1,351
NumberOfSecuritiesInUnrealizedLossPosition	223		94
Debt Securities, Held-to-maturity, Nonaccrual	$ 0		$ 0
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$ 0		$ 0

INVESTMENTS - Summary of Held-T

INVESTMENTS - Summary of Held-To-Maturity and Available-For-Sale Investment Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Investment Holdings [Line Items]
Total	$ 121,945	$ 131,687
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	3,226	5,011
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(877)	0
Held-to-Maturity Market Value	124,294	136,698
Total	3,698,779	3,330,029
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	82,242	99,942
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(27,258)	(5,391)
Investment securities available-for-sale	3,753,763	3,424,580
U.S. Treasuries
Investment Holdings [Line Items]
Total	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Held-to-Maturity Market Value	0	0
Total	10,257	99
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	3	4
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	0	0
Investment securities available-for-sale	10,260	103
Securities of U.S. government agencies and corporations
Investment Holdings [Line Items]
Total		0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain		0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss		0
Held-to-Maturity Market Value		0
Total		60
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments		0
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments		0
Investment securities available-for-sale		60
Residential Mortgage Backed Securities [Member]
Investment Holdings [Line Items]
Total	0	13,990
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	197
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Held-to-Maturity Market Value	0	14,187
Total	784,407	704,482
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	12,488	15,938
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(11,255)	(237)
Investment securities available-for-sale	785,640	720,183
Commercial Mortgage Backed Securities [Member]
Investment Holdings [Line Items]
Total	63,481	71,737
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	2,034	3,485
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Held-to-Maturity Market Value	65,515	75,222
Total	591,629	584,125
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	7,096	10,395
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(3,680)	(3,584)
Investment securities available-for-sale	595,045	590,936
Collateralized Mortgage Backed Securities [Member]
Investment Holdings [Line Items]
Total	17,580	5,799
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	109	79
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(411)	0
Held-to-Maturity Market Value	17,278	5,878
Total	661,322	634,418
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	17,796	21,148
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(2,404)	(445)
Investment securities available-for-sale	676,714	655,121
Obligations of state and other political subdivisions
Investment Holdings [Line Items]
Total	9,634	9,911
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	1,001	1,239
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Held-to-Maturity Market Value	10,635	11,150
Total	971,325	856,054
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	38,835	46,755
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(8,541)	(291)
Investment securities available-for-sale	1,001,619	902,518
Asset-backed Securities [Member]
Investment Holdings [Line Items]
Total	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	0	0
Held-to-Maturity Market Value	0	0
Total	601,836	478,539
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	4,075	4,158
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(1,190)	(826)
Investment securities available-for-sale	604,721	481,871
Other securities
Investment Holdings [Line Items]
Total	31,250	30,250
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	82	11
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	(466)	0
Held-to-Maturity Market Value	30,866	30,261
Total	78,003	72,252
Available for Sale Securities Gross Unrealized Gain Accumulated In Investments	1,949	1,544
Available for Sale Securities Gross Unrealized Loss Accumulated In Investments	(188)	(8)
Investment securities available-for-sale	$ 79,764	$ 73,788

INVESTMENTS - Summary of Invest

INVESTMENTS - Summary of Investment Securities by Estimated Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Held-to-Maturity Amortized Cost
Amortized Cost	$ 121,945	$ 131,687
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	124,294	136,698
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	3,698,779	3,330,029
Available-for-Sale Market Value
Investment securities available-for-sale	3,753,763
One Year or Less [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	0
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	0
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	14,781
Available-for-Sale Market Value
Investment securities available-for-sale	14,963
After One Year Through Five Years [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	0
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	0
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	56,598
Available-for-Sale Market Value
Investment securities available-for-sale	58,309
After Five Years Through Ten Years [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	37,135
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	37,662
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	184,348
Available-for-Sale Market Value
Investment securities available-for-sale	192,197
After Ten Years [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	3,749
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	3,839
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	803,858
Available-for-Sale Market Value
Investment securities available-for-sale	826,174
Residential Mortgage Backed Securities [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	0	13,990
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	0	14,187
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	784,407
Available-for-Sale Market Value
Investment securities available-for-sale	785,640
Commercial Mortgage Backed Securities [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	63,481	71,737
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	65,515	75,222
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	591,629
Available-for-Sale Market Value
Investment securities available-for-sale	595,045
Collateralized Mortgage Backed Securities [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	17,580	5,799
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	17,278	5,878
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	661,322
Available-for-Sale Market Value
Investment securities available-for-sale	676,714
Asset-backed Securities [Member]
Held-to-Maturity Amortized Cost
Amortized Cost	0	0
Held-to-Maturity Market Value
Debt Securities, Held-to-maturity, Fair Value	0	$ 0
Available-for-Sale Amortized Cost
Available-for-sale Securities, Amortized Cost Basis	601,836
Available-for-Sale Market Value
Investment securities available-for-sale	$ 604,721

INVESTMENTS - Age of Gross Unre

INVESTMENTS - Age of Gross Unrealized Losses and Associated Fair Value by Investment Category (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Investments, Unrealized Loss Position [Line Items]
Document Period End Date	Mar. 31, 2021
Less than 12 Months Fair Value	$ 1,199,433	$ 426,607
Less than 12 Months Unrealized Loss	(25,886)	(2,402)
12 Months or More Fair Value	115,645	117,126
12 Months or More Unrealized Loss	(2,249)	(2,989)
Total Fair Value	1,315,078	543,733
Total Unrealized Loss	(28,135)	(5,391)
Other securities
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	34,096	4,992
Less than 12 Months Unrealized Loss	(654)	(8)
12 Months or More Fair Value	0	0
12 Months or More Unrealized Loss	0	0
Total Fair Value	34,096	4,992
Total Unrealized Loss	(654)	(8)
Asset-backed Securities [Member]
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	160,329	84,749
Less than 12 Months Unrealized Loss	(970)	(435)
12 Months or More Fair Value	36,344	68,967
12 Months or More Unrealized Loss	(220)	(391)
Total Fair Value	196,673	153,716
Total Unrealized Loss	(1,190)	(826)
Obligations of state and other political subdivisions
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	318,750	60,008
Less than 12 Months Unrealized Loss	(8,527)	(291)
12 Months or More Fair Value	22,104	0
12 Months or More Unrealized Loss	(14)	0
Total Fair Value	340,854	60,008
Total Unrealized Loss	(8,541)	(291)
Collateralized Mortgage Backed Securities [Member]
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	142,823	49,161
Less than 12 Months Unrealized Loss	(2,815)	(445)
12 Months or More Fair Value	1	1
12 Months or More Unrealized Loss	0	0
Total Fair Value	142,824	49,162
Total Unrealized Loss	(2,815)	(445)
Commercial Mortgage Backed Securities [Member]
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	60,681	169,825
Less than 12 Months Unrealized Loss	(1,665)	(986)
12 Months or More Fair Value	57,196	48,158
12 Months or More Unrealized Loss	(2,015)	(2,598)
Total Fair Value	117,877	217,983
Total Unrealized Loss	(3,680)	(3,584)
Residential Mortgage Backed Securities [Member]
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	482,754	57,872
Less than 12 Months Unrealized Loss	(11,255)	(237)
12 Months or More Fair Value	0	0
12 Months or More Unrealized Loss	0	0
Total Fair Value	482,754	57,872
Total Unrealized Loss	(11,255)	(237)
Securities of U.S. government agencies and corporations
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	0	0
Less than 12 Months Unrealized Loss	0	0
12 Months or More Fair Value	0	0
12 Months or More Unrealized Loss	0	0
Total Fair Value	0	0
Total Unrealized Loss	0	0
U.S. Treasuries
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	0	0
Less than 12 Months Unrealized Loss	0	0
12 Months or More Fair Value	0	0
12 Months or More Unrealized Loss	0	0
Total Fair Value	0	0
Total Unrealized Loss	$ 0	$ 0

LOANS AND LEASES - Additional I

LOANS AND LEASES - Additional Information (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2021USD ($)loans	Mar. 31, 2020USD ($)loans	Dec. 31, 2020USD ($)loans	Dec. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	22	21
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 0	$ 0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts | loans	0	0
Restructured Loans, Portion Determined to be Uncollectible	$ 30,000	$ 400,000
Restructured Loans, Nonaccrual Status	20,900,000		$ 14,700,000
Real Estate Acquired Through Foreclosure	854,000	$ 1,467,000	1,287,000	$ 2,033,000
Troubled Debt Restructuring	32,500,000		21,800,000
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Amount	$ 251,100,000		320,200,000
Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	0	1
Commercial segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	4	2
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Restructured Loans, Loan Relationships, Review Threshold Amount Minimum	$ 250,000
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	10	14
Restructured Loans, Loan Relationships, Review Threshold Amount Minimum	$ 250,000
Commercial segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unearned fees	21,900,000		13,700,000
Paycheck Protection Program Amount of Funding	690,000,000		594,600,000
Payment Deferral [Member] | Hotel
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Amount	$ 153,000,000		$ 186,200,000
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Percent	60.90%		58.20%
Payment Deferral [Member] | Franchise
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Amount	$ 44,100,000		$ 44,300,000
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Percent	17.60%		13.80%
Payment Deferral [Member] | Interest only payments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Amount	$ 225,800,000		$ 291,500,000
Payment Deferral [Member] | Full principal and Interest payments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Non-Troubled Debt Restructuring Modifications, Amount	$ 25,300,000		$ 28,700,000
Payment Deferral [Member] | Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	25		53
Troubled Debt Restructuring	$ 2,700,000		$ 7,700,000
Payment Deferral [Member] | Commercial segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	67		90
Troubled Debt Restructuring	$ 248,400,000		$ 312,500,000

LOANS AND LEASES - Commercial a

LOANS AND LEASES - Commercial and Consumer Credit Exposure by Risk Attribute (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	$ 588,246	$ 2,378,125
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,183,228	2,239,068
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,272,266	1,303,349
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,173,660	935,938
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	886,745	687,912
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	1,588,867	1,075,362
Financing Receivable, before Allowance for Credit Loss	8,693,012	8,619,754
Financing Receivable, Revolving	1,240,957	1,281,216
Loans and Leases Receivable, Net of Deferred Income	9,933,969	9,900,970
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	366,217	1,172,540
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	983,532	472,861
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	446,361	322,361
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	285,856	241,535
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	218,623	134,478
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	243,777	145,589
Financing Receivable, before Allowance for Credit Loss	2,544,366	2,489,364
Financing Receivable, Revolving	500,459	518,145
Loans and Leases Receivable, Net of Deferred Income	3,044,825	3,007,509
Commercial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	366,213	1,141,163
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	978,739	460,210
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	421,400	296,221
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	268,946	208,077
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	193,605	122,686
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	223,038	138,307
Financing Receivable, before Allowance for Credit Loss	2,451,941	2,366,664
Financing Receivable, Revolving	484,869	502,286
Loans and Leases Receivable, Net of Deferred Income	2,936,810	2,868,950
Commercial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	24,668
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	4,012	10,281
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	6,521	18,118
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	15,318	6,893
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	5,520	6,668
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	14,225	6,090
Financing Receivable, before Allowance for Credit Loss	45,596	72,718
Financing Receivable, Revolving	7,444	10,470
Loans and Leases Receivable, Net of Deferred Income	53,040	83,188
Commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	4	6,709
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	781	2,370
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	18,440	8,022
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	1,592	26,565
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	19,498	5,124
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	6,514	1,192
Financing Receivable, before Allowance for Credit Loss	46,829	49,982
Financing Receivable, Revolving	8,146	5,389
Loans and Leases Receivable, Net of Deferred Income	54,975	55,371
Commercial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	0	0
Lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	5,144	23,211
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	23,503	22,397
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	13,968	12,942
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	12,055	7,147
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,302	4,922
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	5,602	2,368
Financing Receivable, before Allowance for Credit Loss	66,574	72,987
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	66,574	72,987
Lease financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	5,144	22,916
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	23,238	22,397
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	13,968	12,942
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	12,055	6,967
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	6,148	4,802
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	5,554	2,368
Financing Receivable, before Allowance for Credit Loss	66,107	72,392
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	66,107	72,392
Lease financing | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	290
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	262	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	262	290
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	262	290
Lease financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	5
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	3	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	180
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	154	120
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	48	0
Financing Receivable, before Allowance for Credit Loss	205	305
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	205	305
Lease financing | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	0	0
Construction real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	2,020	96,410
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	111,299	260,145
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	327,802	200,828
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	137,674	33,169
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	23,109	25,447
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	14,256	426
Financing Receivable, before Allowance for Credit Loss	616,160	616,425
Financing Receivable, Revolving	26,549	19,671
Loans and Leases Receivable, Net of Deferred Income	642,709	636,096
Construction real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	2,020	96,410
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	111,299	259,524
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	313,468	182,625
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	119,471	23,185
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	23,109	24,786
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	13,616	426
Financing Receivable, before Allowance for Credit Loss	582,983	586,956
Financing Receivable, Revolving	26,549	19,671
Loans and Leases Receivable, Net of Deferred Income	609,532	606,627
Construction real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	621
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	621	18,203
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	18,203	9,984
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	661
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	640	0
Financing Receivable, before Allowance for Credit Loss	19,464	29,469
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	19,464	29,469
Construction real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	13,713	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	13,713	0
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	13,713	0
Construction real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	0	0
Commercial real estate - investor
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	133,321	522,148
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	504,804	1,031,404
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,070,064	465,108
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	455,113	430,029
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	428,458	319,063
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	695,702	419,831
Financing Receivable, before Allowance for Credit Loss	3,287,462	3,187,583
Financing Receivable, Revolving	60,225	56,957
Loans and Leases Receivable, Net of Deferred Income	3,347,687	3,244,540
Commercial real estate - investor | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	133,166	515,950
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	496,717	1,011,898
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,040,587	427,077
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	404,440	378,536
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	367,020	286,587
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	604,733	361,403
Financing Receivable, before Allowance for Credit Loss	3,046,663	2,981,451
Financing Receivable, Revolving	60,055	56,398
Loans and Leases Receivable, Net of Deferred Income	3,106,718	3,037,849
Commercial real estate - investor | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	155	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,884	17,463
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	17,738	15,534
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	15,440	44,426
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	54,438	32,408
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	69,864	43,704
Financing Receivable, before Allowance for Credit Loss	159,519	153,535
Financing Receivable, Revolving	49	559
Loans and Leases Receivable, Net of Deferred Income	159,568	154,094
Commercial real estate - investor | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	6,198
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	6,203	2,043
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	11,739	22,497
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	35,233	7,067
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7,000	68
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	21,105	14,724
Financing Receivable, before Allowance for Credit Loss	81,280	52,597
Financing Receivable, Revolving	121	0
Loans and Leases Receivable, Net of Deferred Income	81,401	52,597
Commercial real estate - investor | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	0	0
Commercial real estate-owner
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	25,598	190,652
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	202,904	174,364
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	168,732	157,181
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	154,098	139,001
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	137,969	132,078
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	325,235	233,224
Financing Receivable, before Allowance for Credit Loss	1,014,536	1,026,500
Financing Receivable, Revolving	34,359	36,818
Loans and Leases Receivable, Net of Deferred Income	1,048,895	1,063,318
Commercial real estate-owner | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	25,535	185,692
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	197,722	162,480
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	156,909	147,236
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	138,347	125,275
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	126,865	128,755
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	296,748	211,519
Financing Receivable, before Allowance for Credit Loss	942,126	960,957
Financing Receivable, Revolving	34,262	36,721
Loans and Leases Receivable, Net of Deferred Income	976,388	997,678
Commercial real estate-owner | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	4,292
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	4,533	11,380
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,859	2,891
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	2,582	8,230
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	8,098	3,017
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	24,559	19,384
Financing Receivable, before Allowance for Credit Loss	41,631	49,194
Financing Receivable, Revolving	59	59
Loans and Leases Receivable, Net of Deferred Income	41,690	49,253
Commercial real estate-owner | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	63	668
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	649	504
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	9,964	7,054
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	13,169	5,496
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	3,006	306
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,928	2,321
Financing Receivable, before Allowance for Credit Loss	30,779	16,349
Financing Receivable, Revolving	38	38
Loans and Leases Receivable, Net of Deferred Income	30,817	16,387
Commercial real estate-owner | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	0	0
Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	40,728	290,598
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	281,194	242,030
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	212,993	116,420
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	103,516	64,863
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	54,472	60,181
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	253,619	228,994
Financing Receivable, before Allowance for Credit Loss	946,522	1,003,086
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	946,522	1,003,086
Residential real estate | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	40,728	290,277
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	281,000	241,601
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	212,472	115,747
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	103,366	64,220
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	54,096	60,094
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	250,183	224,281
Financing Receivable, before Allowance for Credit Loss	941,845	996,220
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	941,845	996,220
Residential real estate | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	321
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	194	429
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	521	673
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	150	643
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	376	87
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	3,436	4,713
Financing Receivable, before Allowance for Credit Loss	4,677	6,866
Financing Receivable, Revolving	0	0
Loans and Leases Receivable, Net of Deferred Income	4,677	6,866
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10,325	60,967
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	56,532	20,200
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	18,739	17,445
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	15,768	11,347
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	10,343	9,772
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	45,898	41,709
Financing Receivable, before Allowance for Credit Loss	157,605	161,440
Financing Receivable, Revolving	552,062	581,659
Loans and Leases Receivable, Net of Deferred Income	709,667	743,099
Home equity | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10,325	60,967
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	56,532	20,200
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	18,679	17,445
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	15,669	11,308
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	10,278	9,744
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	45,639	41,571
Financing Receivable, before Allowance for Credit Loss	157,122	161,235
Financing Receivable, Revolving	549,459	577,609
Loans and Leases Receivable, Net of Deferred Income	706,581	738,844
Home equity | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	60	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	99	39
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	65	28
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	259	138
Financing Receivable, before Allowance for Credit Loss	483	205
Financing Receivable, Revolving	2,603	4,050
Loans and Leases Receivable, Net of Deferred Income	3,086	4,255
Installment
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	4,893	21,599
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	19,460	15,667
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	13,607	11,064
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	9,580	8,847
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7,469	1,971
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	4,223	3,221
Financing Receivable, before Allowance for Credit Loss	59,232	62,369
Financing Receivable, Revolving	23,189	19,481
Loans and Leases Receivable, Net of Deferred Income	82,421	81,850
Installment | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	4,883	21,584
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	19,420	15,614
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	13,567	11,041
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	9,569	8,812
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7,462	1,954
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	4,209	3,185
Financing Receivable, before Allowance for Credit Loss	59,110	62,190
Financing Receivable, Revolving	23,154	19,479
Loans and Leases Receivable, Net of Deferred Income	82,264	81,669
Installment | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	10	15
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	40	53
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	40	23
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	11	35
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	7	17
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	14	36
Financing Receivable, before Allowance for Credit Loss	122	179
Financing Receivable, Revolving	35	2
Loans and Leases Receivable, Net of Deferred Income	157	181
Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	555	0
Financing Receivable, before Allowance for Credit Loss	555	0
Financing Receivable, Revolving	44,114	48,485
Loans and Leases Receivable, Net of Deferred Income	44,669	48,485
Credit card | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	555	0
Financing Receivable, before Allowance for Credit Loss	555	0
Financing Receivable, Revolving	43,683	47,845
Loans and Leases Receivable, Net of Deferred Income	44,238	47,845
Credit card | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, before Allowance for Credit Loss	0	0
Financing Receivable, Revolving	431	640
Loans and Leases Receivable, Net of Deferred Income	$ 431	$ 640

LOANS AND LEASES - Loan Delinqu

LOANS AND LEASES - Loan Delinquency, including Nonaccrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	$ 33,137	$ 51,946
Current	9,900,832	9,849,024
Total loans and leases	9,933,969	9,900,970
> 90 days past due and still accruing	92	169
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	5,221	17,837
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	3,035	1,577
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	24,881	32,532
Commercial
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	5,663	8,393
Current	3,039,162	2,999,116
Total loans and leases	3,044,825	3,007,509
> 90 days past due and still accruing	0	0
Commercial | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	358	6,532
Commercial | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	1,577	0
Commercial | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	3,728	1,861
Lease financing
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Current	66,574	72,987
Total loans and leases	66,574	72,987
> 90 days past due and still accruing	0	0
Lease financing | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Lease financing | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Lease financing | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Construction real estate
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Current	642,709	636,096
Total loans and leases	642,709	636,096
> 90 days past due and still accruing	0	0
Construction real estate | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Construction real estate | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Construction real estate | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Commercial real estate - investor
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	18,415	24,558
Current	3,329,272	3,219,982
Total loans and leases	3,347,687	3,244,540
> 90 days past due and still accruing	0	0
Commercial real estate - investor | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	1,926	136
Commercial real estate - investor | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	0	0
Commercial real estate - investor | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	16,489	24,422
Commercial real estate-owner
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	708	7,054
Current	1,048,187	1,056,264
Total loans and leases	1,048,895	1,063,318
> 90 days past due and still accruing	0	0
Commercial real estate-owner | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	50	6,480
Commercial real estate-owner | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	373	174
Commercial real estate-owner | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	285	400
Residential real estate
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	4,678	6,866
Current	941,844	996,220
Total loans and leases	946,522	1,003,086
> 90 days past due and still accruing	0	0
Residential real estate | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	1,584	2,809
Residential real estate | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	596	370
Residential real estate | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	2,498	3,687
Home equity
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	3,085	4,255
Current	706,582	738,844
Total loans and leases	709,667	743,099
> 90 days past due and still accruing	0	0
Home equity | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	972	1,483
Home equity | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	355	835
Home equity | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	1,758	1,937
Installment
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	157	180
Current	82,264	81,670
Total loans and leases	82,421	81,850
> 90 days past due and still accruing	0	0
Installment | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	116	94
Installment | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	12	35
Installment | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	29	51
Credit card
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	431	640
Current	44,238	47,845
Total loans and leases	44,669	48,485
> 90 days past due and still accruing	92	169
Credit card | Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	215	303
Credit card | Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	122	163
Credit card | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due	$ 94	$ 174

LOANS AND LEASES - Restructured

LOANS AND LEASES - Restructured Loans (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2021USD ($)loansd	Mar. 31, 2020USD ($)loans	Dec. 31, 2020USD ($)loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	22	21
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 14,258	$ 12,724
Financing Receivable, Troubled Debt Restructuring, Postmodification	13,130	12,657
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 0	0
Number of Restructured Loans | loans	173		155
Total restructured loans	$ 32,500		$ 21,800
Restructured loans on accrual status	11,600		7,100
Restructured Loans, Nonaccrual Status	20,900		14,700
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	300		300
Allowance for loan and lease losses lncluded in reserves for restructured loans	8,000		8,800
Accruing TDRs performing in accordance with restructured terms for more than one year	5,200		$ 5,000
Restructured Loans, Portion Determined to be Uncollectible	$ 30	$ 400
Restructured loans performance threshold (days) | d	90
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts | loans	0	0
Commercial segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	4	2
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 3,206	$ 11,383
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 3,070	$ 11,383
Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	0	0
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 0	$ 0
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 0	$ 0
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	7	0
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 10,015	$ 0
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 9,046	$ 0
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	10	14
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 1,023	$ 1,129
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 1,000	$ 1,073
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	1	4
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 14	$ 186
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 14	$ 186
Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	0	1
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 0	$ 26
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 0	$ 15
Payment Deferral [Member] | Commercial segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	67		90
Total restructured loans	$ 248,400		$ 312,500
Payment Deferral [Member] | Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | loans	25		53
Total restructured loans	$ 2,700		$ 7,700

LOANS AND LEASES LOANS AND LEAS

LOANS AND LEASES LOANS AND LEASES - Loans Restructured, Modifications (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Receivables [Abstract]
Extended Maturity	$ 0	$ 0
Adjusted Interest Rate	0	0
Combined Rate And Maturity	0	0
Forebearance Agreements	6,163	1,008
Financing Receivable Modifications, Other	6,967	11,649
Total	13,130	12,657
Restructured Loans, Portion Determined to be Uncollectible	$ 30	$ 400

LOANS AND LEASES - Nonaccrual L

LOANS AND LEASES - Nonaccrual Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	$ 30,907		$ 25,919
Financing Receivable, Nonaccrual, No Allowance	54,339		54,833
Nonaccrual loans	85,246		80,752
Interest income effect
Gross amount of interest that would have been recorded under original terms	1,487	$ 1,306
Interest included in income
Nonaccrual loans	483	167
Troubled debt restructurings	86	235
Total interest included in income	569	402
Net impact on interest income	918	$ 904
Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	12,505		18,711
Financing Receivable, Nonaccrual, No Allowance	12,436		10,519
Nonaccrual loans	24,941		29,230
Lease financing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	0		0
Financing Receivable, Nonaccrual, No Allowance	0		0
Nonaccrual loans	0		0
Construction real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	0		0
Financing Receivable, Nonaccrual, No Allowance	0		0
Nonaccrual loans	0		0
Commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	18,402		6,957
Financing Receivable, Nonaccrual, No Allowance	26,112		27,725
Nonaccrual loans	44,514		34,682
Residential real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	0		251
Financing Receivable, Nonaccrual, No Allowance	11,359		11,350
Nonaccrual loans	11,359		11,601
Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	0		0
Financing Receivable, Nonaccrual, No Allowance	4,286		5,076
Nonaccrual loans	4,286		5,076
Installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Nonaccrual, With Allowance	0		0
Financing Receivable, Nonaccrual, No Allowance	146		163
Nonaccrual loans	$ 146		$ 163

LOANS AND LEASES - Collateral (

LOANS AND LEASES - Collateral (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 9,933,969	$ 9,900,970
Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	28,057	36,803
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	33,768	29,837
Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	417	3,269
Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	6,238	6,444
Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	16,185	17,893
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	581	5,055
Total Collateral
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	85,246	99,301
Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	24,941	45,456
Commercial | Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	22,215	30,961
Commercial | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,874	6,130
Commercial | Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	417	2,608
Commercial | Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	865
Commercial | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Commercial | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	435	4,892
Commercial real estate - investor
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	31,527	27,282
Commercial real estate - investor | Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Commercial real estate - investor | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	25,115	20,212
Commercial real estate - investor | Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	661
Commercial real estate - investor | Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	6,198	5,537
Commercial real estate - investor | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	214	872
Commercial real estate - investor | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Commercial Real Estate-Owner
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	12,987	9,723
Commercial Real Estate-Owner | Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	5,842	5,842
Commercial Real Estate-Owner | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	6,779	3,495
Commercial Real Estate-Owner | Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Commercial Real Estate-Owner | Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	40	42
Commercial Real Estate-Owner | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	326	344
Commercial Real Estate-Owner | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	11,359	11,601
Residential real estate | Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Residential real estate | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Residential real estate | Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Residential real estate | Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Residential real estate | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	11,359	11,601
Residential real estate | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Home Equity Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,286	5,076
Home Equity Loan | Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Home Equity Loan | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Home Equity Loan | Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Home Equity Loan | Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Home Equity Loan | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,286	5,076
Home Equity Loan | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Installment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	146	163
Installment | Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Installment | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Installment | Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Installment | Land
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Installment | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Installment | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 146	$ 163

LOANS AND LEASES - Changes in O

LOANS AND LEASES - Changes in Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 1,287	$ 2,033
Additions	0	393
Disposals	(433)	(900)
Other Real Estate, Period Increase (Decrease)	0	59
Balance at end of period	854	1,467
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additions	0	247
Disposals	(246)	(179)
Other Real Estate, Period Increase (Decrease)	0	0
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additions	0	146
Disposals	(187)	(721)
Other Real Estate, Period Increase (Decrease)	$ 0	$ 59

ALLOWANCE FOR CREDIT LOSSES - C

ALLOWANCE FOR CREDIT LOSSES - Changes in the Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Mar. 31, 2021	Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	$ 57,650	$ 175,679	$ 57,650
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	61,505		61,505
Provision for Credit Losses		3,450	23,880
Loans charged off		(10,032)	(1,849)
Recoveries		826	2,699
Total net charge-offs		(9,206)	850
Balance at end of year	119,155	169,923	143,885
Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	18,584	51,454	18,584
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	9,901		9,901
Provision for Credit Losses		1,258	16,016
Loans charged off		(7,910)	(1,091)
Recoveries		337	2,000
Total net charge-offs		(7,573)	909
Balance at end of year	28,485	45,139	45,410
Lease financing
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	971	995	971
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	118		118
Provision for Credit Losses		20	405
Loans charged off		0	0
Recoveries		0	0
Total net charge-offs		0	0
Balance at end of year	1,089	1,015	1,494
Construction real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	2,381	21,736	2,381
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	11,579		11,579
Provision for Credit Losses		1,000	(449)
Loans charged off		(2)	0
Recoveries		0	0
Total net charge-offs		(2)	0
Balance at end of year	13,960	22,734	13,511
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	23,579	76,795	23,579
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	24,118		24,118
Provision for Credit Losses		2,929	5,227
Loans charged off		(1,250)	(4)
Recoveries		195	234
Total net charge-offs		(1,055)	230
Balance at end of year	47,697	78,669	53,154
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	5,299	8,560	5,299
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	5,490		5,490
Provision for Credit Losses		(855)	558
Loans charged off		(1)	(115)
Recoveries		44	52
Total net charge-offs		43	(63)
Balance at end of year	10,789	7,748	11,284
Home equity
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	4,787	11,869	4,787
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	8,430		8,430
Provision for Credit Losses		(675)	1,538
Loans charged off		(611)	(267)
Recoveries		177	339
Total net charge-offs		(434)	72
Balance at end of year	13,217	10,760	14,827
Installment
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	392	1,215	392
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	801		801
Provision for Credit Losses		22	75
Loans charged off		(36)	(61)
Recoveries		34	31
Total net charge-offs		(2)	(30)
Balance at end of year	1,193	1,235	1,238
Credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of year	1,657	3,055	1,657
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	1,068		1,068
Provision for Credit Losses		(249)	510
Loans charged off		(222)	(311)
Recoveries		39	43
Total net charge-offs		183	268
Balance at end of year	$ 2,725	$ 2,623	$ 2,967

ALLOWANCE FOR CREDIT LOSSES ALL

ALLOWANCE FOR CREDIT LOSSES ALLOWANCE FOR CREDIT LOSSES- Additional information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Receivables [Abstract]
Interest Receivable	$ 38,221
Reserves for unfunded commitments	13,000		$ 12,500
Provision for credit losses	$ 538	$ 1,568

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS--Schedule of Goodwill (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Goodwill [Roll Forward]
Balance at beginning of period	$ 937,771	$ 937,771
Goodwill resulting from business combinations	0	0
Balance at end of period	$ 937,771	$ 937,771

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS--Additional Information (Details) - USD ($) $ in Thousands	Aug. 30, 2019	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Goodwill		$ 937,771	$ 937,771	$ 937,771	$ 937,771
Other Depreciation and Amortization			2,800
Intangible assets amortization		$ 2,479	$ 2,792
Customer lists
Finite-Lived Intangible Assets [Line Items]
Finite-lived Intangible Assets Acquired	$ 39,400
Intangible assets amortization method		straight-line basis
Estimated weighted average life (in years)		11 years
Core deposits
Finite-Lived Intangible Assets [Line Items]
Intangible assets amortization method		accelerated basis
Estimated weighted average life (in years)		6 years 9 months 18 days

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS--Schedule of Other Intangibles (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Gross	$ 100,597	$ 100,564
Finite-Lived Intangible Assets, Accumulated Amortization	$ (38,613)	(36,012)
Core deposits
Finite-Lived Intangible Assets [Line Items]
Intangible assets amortization method	accelerated basis
Finite-Lived Intangible Assets, Gross	$ 51,031	51,031
Finite-Lived Intangible Assets, Accumulated Amortization	$ (28,834)	(27,524)
Customer lists
Finite-Lived Intangible Assets [Line Items]
Intangible assets amortization method	straight-line basis
Finite-Lived Intangible Assets, Gross	$ 39,420	39,420
Finite-Lived Intangible Assets, Accumulated Amortization	(5,674)	(4,778)
Other
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets, Gross	10,146	10,113
Finite-Lived Intangible Assets, Accumulated Amortization	$ (4,105)	$ (3,710)

LEASES - Additional Information

LEASES - Additional Information (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating Lease, Right-of-Use Asset	$ 57,700	$ 63,900
Operating Lease, Liability	$ 67,664	$ 71,700

LEASES - Lease Cost (Details)

LEASES - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Lease, Cost [Abstract]
Operating Lease, Cost	$ 1,851	$ 2,020
Short-term Lease, Cost	29	41
Variable Lease, Cost	679	641
Lease, Cost	$ 2,559	$ 2,702

LEASES - Lease Maturity (Detail

LEASES - Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Lessee, Operating Lease, Liability, to be Paid, Remainder of Fiscal Year	$ 5,036
Lessee, Operating Lease, Liability, to be Paid, Year One	6,850
Lessee, Operating Lease, Liability, to be Paid, Year Two	6,952
Lessee, Operating Lease, Liability, to be Paid, Year Three	6,647
Lessee, Operating Lease, Liability, to be Paid, Year Four	6,038
Lessee, Operating Lease, Liability, to be Paid, after Year Five	53,150
Lessee, Operating Lease, Liability, to be Paid	84,673
Lessee, Operating Lease, Liability, Undiscounted Excess Amount	17,009
Operating Lease, Liability	$ 67,664	$ 71,700

LEASES - Schedule of supplement

LEASES - Schedule of supplemental balance sheet information related to assets (Details)	Mar. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating Lease, Weighted Average Remaining Lease Term	13 years 9 months 18 days	15 years 1 month 6 days
Operating Lease, Weighted Average Discount Rate, Percent	2.95%	3.07%

LEASES - Supplemental cash flow

LEASES - Supplemental cash flow information related to leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Leases [Abstract]
Operating cash flows from operating leases	$ 1,790	$ 1,288
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$ 5,761	$ 8,862

BORROWINGS - Repurchase Agreeme

BORROWINGS - Repurchase Agreements (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Securities Sold under Agreements to Repurchase	$ 129,387
Carrying Value of Securities Sold under Repurchase Agreements and Deposits Received for Securities Loaned	129,700	$ 126,700
Residential Mortgage Backed Securities [Member]
Securities Sold under Agreements to Repurchase	88,964
Collateralized Mortgage Obligations [Member]
Securities Sold under Agreements to Repurchase	$ 40,423

BORROWINGS Borrowings - - Addit

BORROWINGS Borrowings - - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Carrying Value of Securities Sold under Repurchase Agreements and Deposits Received for Securities Loaned	$ 129,700	$ 126,700
Federal Funds Purchased	181,400	166,600
FHLB short-term borrowings	0	0
Long-term Debt	583,722	776,202
Secured Debt	$ 270,874	$ 434,982
Long Term Debt Percentage in Basis Points	35	35
Convertible Subordinated Debt	$ 150,000
Subordinated Borrowing, Interest Rate	5.13%
Debt Instrument, Basis Spread on Variable Rate	5.09%
Subordinated debt	$ 120,000
Subordinated debt	$ 312,906	$ 321,384
Debt, Weighted Average Interest Rate	4.82%	4.86%
Advances from Federal Home Loan Banks	$ 0	$ 19,971
Federal Home Loan Bank	0.00%	1.43%
Weighted average rate on other long-term debt	0.00%	0.00%
Private Placement [Member]
Subordinated debt	$ 8,400
Debt, Weighted Average Interest Rate	6.00%
Long-term Debt [Member]
Subordinated Borrowing, Interest Rate	5.25%
Private Placement [Member]
DebtInstrumentMinimumCallablePeriod	5 years
Subordinated Debt [Member]
Subordinated debt	$ 49,500
Debt Instrument Maturity Period	30 years
DebtInstrumentMinimumCallablePeriod	5 years

BORROWINGS - Schedule of Long-t

BORROWINGS - Schedule of Long-term Debt (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Amount
Secured Debt	$ 270,874	$ 434,982
FHLB long-term advances	0	19,971
Subordinated debt	312,906	321,384
Unamortized debt issuance costs	(2,673)	(2,770)
Finance Lease, Liability	1,840	1,860
Capital loan with municipality	775	775
Total long-term debt	$ 583,722	$ 776,202
Average Rate
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate	0.35%	0.35%
Federal Home Loan Bank	0.00%	1.43%
Debt, Weighted Average Interest Rate	4.82%	4.86%
Lessee, Finance Lease, Discount Rate	3.81%	3.81%
Weighted average rate on other long-term debt	0.00%	0.00%
Total long-term debt	2.76%	2.25%

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020	Dec. 31, 2019
Other Comprehensive Income (Loss), before Reclassification Adjustments and Tax [Abstract]
Unrealized gain (loss) on investment securities	$ (39,658)	$ (2,434)
Retirement obligation	0	0
Total	(39,658)	(2,434)
Other Comprehensive Income (Loss) Reclassifications before Tax [Abstract]
Realized gain (loss) on securities available-for-sale	(166)	(59)
Retirement obligation	(525)	(425)
Total	(691)	(484)
Transactions Pre-tax
Unrealized gain (loss) on investment securities	(39,492)	(2,375)
Unfunded pension obligation	525	425
Total	(38,967)	(1,950)
Transactions Tax-effect
Unrealized gain (loss) on investment securities	8,524	512
Retirement obligation	(120)	(97)
Total	8,404	415
Transactions Net of tax
Unrealized gain (loss) on investment securities	(30,968)	(1,863)
Retirement obligation	405	328
Total	(30,563)	(1,535)
Balances Net of tax
Unrealized gain (loss) on investment securities	42,608	39,401	$ 73,576	$ 41,264
Retirement obligation	(24,507)	(27,613)	(24,912)	(27,941)
Total	18,101	11,788	$ 48,664	$ 13,323
Accumulated other comprehensive income (loss)
Transactions Net of tax
Total	$ (30,563)	$ (1,535)

AMOUNT RECLASSIFIED FROM ACCUMU

AMOUNT RECLASSIFIED FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Other Accumulated Comprehensive income reclassified from AOCI [Line Items]
Realized gain (loss) on securities available-for-sale	$ (166)	$ (59)
Defined Benefit Plan, Amortization of Prior Service Cost (Credit)	100	100
Defined Benefit Plan, Amortization of Gain (Loss)	(625)	(525)
Other Comprehensive Income, Reclassification, Amortization of Defined Benefit Plans items, Pre-tax	(525)	(425)
Total	$ (691)	$ (484)

DERIVATIVES - Additional Inform

DERIVATIVES - Additional Information (Details) $ in Thousands	Mar. 31, 2021USD ($)entity	Dec. 31, 2020USD ($)entity
Derivative [Line Items]
Number of counterparties | entity	20	20
Derivative liabilities	$ 226,891	$ 272,606
Derivative, Notional Amount	13,866,596	11,875,690
Other Credit Derivatives [Member]
Derivative [Line Items]
Derivative, Notional Amount	114,800	112,600
Credit Risk Derivative Liabilities, at Fair Value		$ 2,700
Credit Risk Derivative Assets, at Fair Value	$ (600)
Foreign Exchange [Member]
Derivative [Line Items]
Number of counterparties | entity	5	6
Credit Risk Contract [Member]
Derivative [Line Items]
Derivative, Notional Amount	$ 250,500	$ 242,400
Credit Risk Derivative Liabilities, at Fair Value	200	300
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Derivative, Notional Amount	125,200	114,200
Accrued interest and other liabilities | Derivative
Derivative [Line Items]
Derivative liabilities	98,900	182,300
Derivative, Notional Amount	2,300,000	2,300,000
Accrued interest and other liabilities | Derivative | Foreign Exchange [Member]
Derivative [Line Items]
Derivative liabilities	31,900	33,100
Derivative, Notional Amount	$ 4,600,000	$ 3,600,000

DERIVATIVES - Summary of Deriva

DERIVATIVES - Summary of Derivative Financial Instruments and Balances (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Derivative Asset	$ 226,782	$ 272,499
Derivative liabilities	226,891	272,606
Other Credit Derivatives [Member]
Derivatives, Fair Value [Line Items]
Credit Risk Derivative Liabilities, at Fair Value		2,700
Fair Value Hedges | Matched interest rate swaps | Accrued interest and other liabilities
Derivatives, Fair Value [Line Items]
Derivative Asset	10,317	107
Derivative liabilities	111,874	184,884
Fair Value Hedges | Matched interest rate swaps | Accrued interest and other assets
Derivatives, Fair Value [Line Items]
Derivative Asset	111,765	184,777
Derivative liabilities	$ 10,317	$ 107

DERIVATIVES - Disclosure by Typ

DERIVATIVES - Disclosure by Type of Financial Instrument (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Gross amounts of recognized liabilities	$ 226,891	$ 272,606
Derivative Liability, Fair Value, Gross Asset	(259,256)	(402,480)
Derivative Asset, Fair Value, Amount Not Offset Against Collateral	(32,365)	(129,874)
Fair Value Hedges | Matched interest rate swaps | Accrued interest and other liabilities
Derivatives, Fair Value [Line Items]
Gross amounts of recognized liabilities	122,191	184,991
Derivative Liability, Fair Value, Gross Asset	(249,003)	(385,088)
Derivative Asset, Fair Value, Amount Not Offset Against Collateral	(126,812)	(200,097)
Fair Value Hedges | Foreign Exchange [Member] | Accrued interest and other liabilities
Derivatives, Fair Value [Line Items]
Gross amounts of recognized liabilities	104,700	87,615
Derivative Liability, Fair Value, Gross Asset	(10,253)	(17,392)
Derivative Asset, Fair Value, Amount Not Offset Against Collateral	$ 94,447	$ 70,223

DERIVATIVES - Derivative Financ

DERIVATIVES - Derivative Financial Instruments, Average Remaining Maturity and the Weighted-Average Interest Rates being Paid and Received (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Derivative [Line Items]
Derivative, Notional Amount	$ 13,866,596	$ 11,875,690
Derivative Asset	226,782	272,499
Derivative Liability	$ (226,891)	(272,606)
Average Maturity (years)	2 years 4 months 24 days
Fair Value	$ (109)
Interest Rate Swap | Derivative Financial Instruments Receive Fixed Pay Variable
Derivative [Line Items]
Derivative, Notional Amount	$ 2,326,382
Average Maturity (years)	6 years 1 month 6 days
Fair Value	$ 101,448
Interest Rate Swap | Derivative Financial Instruments Receive Variable Pay Fixed
Derivative [Line Items]
Derivative, Notional Amount	$ 2,326,382
Average Maturity (years)	6 years 1 month 6 days
Fair Value	$ (101,557)
Foreign Exchange [Member] | Derivative Financial Instruments Receive Fixed Pay Variable
Derivative [Line Items]
Derivative, Notional Amount	$ 4,606,916
Average Maturity (years)	7 months 6 days
Fair Value	$ 31,882
Foreign Exchange [Member] | Derivative Financial Instruments Receive Variable Pay Fixed
Derivative [Line Items]
Derivative, Notional Amount	$ 4,606,916
Average Maturity (years)	7 months 6 days
Fair Value	$ (31,882)
Accrued interest and other assets | Fair Value Hedges | Matched interest rate swaps
Derivative [Line Items]
Derivative, Notional Amount	2,326,382	2,300,336
Derivative Asset	111,765	184,777
Derivative Liability	(10,317)	(107)
Accrued interest and other assets | Foreign Exchange [Member] | Matched interest rate swaps
Derivative [Line Items]
Derivative, Notional Amount	4,606,916	3,637,509
Derivative Asset	68,291	60,366
Derivative Liability	(36,409)	(27,249)
Accrued interest and other liabilities | Fair Value Hedges | Matched interest rate swaps
Derivative [Line Items]
Derivative, Notional Amount	2,326,382	2,300,336
Derivative Asset	10,317	107
Derivative Liability	(111,874)	(184,884)
Accrued interest and other liabilities | Foreign Exchange [Member] | Matched interest rate swaps
Derivative [Line Items]
Derivative, Notional Amount	4,606,916	3,637,509
Derivative Asset	36,409	27,249
Derivative Liability	$ (68,291)	$ (60,366)

COMMITMENTS AND CONTINGENCIES C

COMMITMENTS AND CONTINGENCIES COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 9,933,969	$ 9,900,970
Unused Commitments to Extend Credit	2,942,072	2,853,059
Commercial
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3,044,825	3,007,509
Unused Commitments to Extend Credit	1,335,354	1,270,765
Lease financing
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	66,574	72,987
Unused Commitments to Extend Credit	8,663	0
Construction real estate
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	642,709	636,096
Unused Commitments to Extend Credit	347,676	374,008
Commercial real estate - investor
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,396,582	4,307,858
Unused Commitments to Extend Credit	167,654	139,754
Commercial real estate - investor
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3,347,687	3,244,540
Commercial real estate-owner
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,048,895	1,063,318
Unused Commitments to Extend Credit	42,809	51,637
Residential real estate
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	946,522	1,003,086
Unused Commitments to Extend Credit	32,256	28,895
Home equity
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	709,667	743,099
Unused Commitments to Extend Credit	777,786	762,406
Installment
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	82,421	81,850
Unused Commitments to Extend Credit	17,644	18,229
Credit card
Other Commitments [Line Items]
Loans and Leases Receivable, Net of Deferred Income	44,669	48,485
Unused Commitments to Extend Credit	$ 212,230	$ 207,365

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Commitments and Contingencies Disclosure [Line Items]
Reserves for unfunded commitments	$ 13,000		$ 12,500
Loans and Leases Receivable, Commitments, Fixed Rates	127,300		123,600
Loans and Leases Receivable, Commitments, Variable Rates	$ 3,600,000		$ 3,300,000
Loan Commitments, Fixed Interest Rate Range, Minimum	0.00%		0.00%
Loan Commitments, Fixed Interest Rate Range, Maximum	21.00%		21.00%
Loan Commitments, Fixed Rate, Maturities, Minimum	1 year		1 year
Loan Commitments, Fixed Rate, Maturities, Maximum	30 years		30 years 9 months 18 days
Letters of credit issued to guarantee performance of a client to a third party	$ 36,400		$ 36,100
Affordable Housing Program Obligation	44,800		47,500
Amortization Method Qualified Affordable Housing Project Investments, Amortization	2,000	$ 2,100
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount	3,900		4,000
Estimated Litigation Liability	0		0
Renewable Energy Maximum Exposure to Loss	14,300		7,700
Renewable Energy Recorded Investment	15,200		5,200
Affordable housing contingent commitment	0		0
Variable Interest Entity, Not Primary Beneficiary [Member]
Commitments and Contingencies Disclosure [Line Items]
Historic Tax Credit Recorded Investment	3,500		3,600
Commitments to Extend Credit
Commitments and Contingencies Disclosure [Line Items]
Commitments outstanding to extend credit	3,700,000		$ 3,400,000
Affordable housing investment [Member]
Commitments and Contingencies Disclosure [Line Items]
Low-income housing tax credit	2,200	1,900
Historic tax credit [Member]
Commitments and Contingencies Disclosure [Line Items]
Low-income housing tax credit	$ 100	$ 82

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income tax expense	$ 10,389	$ 5,924
Effective tax rate	18.00%	17.10%
Unrecognized Tax Benefits that Would Impact Effective Tax Rate	$ 1,900		$ 1,900
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense	$ 0		$ 0

EMPLOYEE BENEFIT PLANS - Additi

EMPLOYEE BENEFIT PLANS - Additional Information (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Retirement Benefits [Abstract]
Defined Benefit Plan, Expected Future Employer Contributions, Remainder of Fiscal Year	$ 0
Payment for Pension Benefits	0		$ 0
Pension Cost (Reversal of Cost)	$ 850,000	$ 400,000

EMPLOYEE BENEFIT PLANS - Employ

EMPLOYEE BENEFIT PLANS - Employee benefit plan amounts recognized in the Consolidated Balance Sheets and Consolidated Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Retirement Benefits [Abstract]
Service cost	$ 2,350	$ 1,850
Interest cost	525	600
Expected return on plan assets	(2,550)	(2,475)
Amortization of prior service cost	(100)	(100)
Defined Benefit Plan, Amortization of Gain (Loss)	625	525
Net periodic benefit cost (income)	$ 850	$ 400

REVENUE RECOGNITION (Details)

REVENUE RECOGNITION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Revenue Recognition [Abstract]
Interchange income	$ 5,700	$ 5,700
Credit card expense	$ 3,000	$ 3,000

EARNINGS PER COMMON SHARE - Com

EARNINGS PER COMMON SHARE - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Numerator for basic and diluted earnings per share -income available to common shareholders:
Net income	$ 47,315	$ 28,628
Denominator for basic earnings per share - weighted average shares	96,873,940	97,736,690
Effect of dilutive securities -
Employee stock awards	853,587	619,524
Denominator for diluted earnings per share - adjusted weighted average shares	97,727,527	98,356,214
Basic	$ 0.49	$ 0.29
Diluted	$ 0.48	$ 0.29

EARNINGS PER COMMON SHARE - Add

EARNINGS PER COMMON SHARE - Additional Information (Details) - shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Antidilutive Stock Options
Earnings Per Share Disclosure [Line Items]
Stock options and warrants with an exercise price greater than the average market price of the common shares not included in the computation of net income per diluted share	0	0

FAIR VALUE DISCLOSURES - Estima

FAIR VALUE DISCLOSURES - Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financial assets
Investment securities held-to-maturity	$ 121,945	$ 131,687
Other investments	131,814	133,198
Loans held for sale	34,600	41,100
Interest Receivable	38,221
Deposits
Noninterest-bearing	3,995,370	3,763,709
Savings	4,006,181	3,680,774
Time	1,731,757	1,872,733
Impaired Commercial And Commercial Real Estate Loans Member
Deposits
Principal Amount of Commercial and Commercial Real Estate Loans	30,900	45,300
Carrying value
Financial assets
Cash and short-term investments	229,371	251,359
Investment securities held-to-maturity	121,945	131,687
Other investments	131,814	133,198
Loans and leases	9,764,046	9,725,291
Interest Receivable	51,520	50,903
Deposits
Deposits	12,648,069	12,232,003
Short-term borrowings	181,387	166,594
Long-term debt	583,722	776,202
Interest Payable	5,723	6,240
Fair value
Financial assets
Cash and short-term investments	229,371	251,359
Investment securities held-to-maturity	124,294	136,698
Other investments	131,814	133,198
Loans and leases	9,767,354	9,743,497
Interest Receivable	51,520	50,903
Deposits
Deposits	12,652,266	12,238,058
Short-term borrowings	181,387	166,594
Long-term debt	581,177	774,674
Interest Payable	5,723	6,240
Fair Value, Inputs, Level 1 [Member] | Fair value
Financial assets
Cash and short-term investments	229,371	251,359
Investment securities held-to-maturity	0	0
Other investments	949	837
Loans and leases	0	0
Interest Receivable	0	0
Deposits
Deposits	0	0
Short-term borrowings	181,387	166,594
Long-term debt	0	0
Interest Payable	0	14
Fair Value, Inputs, Level 2 [Member] | Fair value
Financial assets
Cash and short-term investments	0	0
Investment securities held-to-maturity	124,294	136,698
Other investments	121,457	122,953
Loans and leases	0	0
Interest Receivable	13,299	13,221
Deposits
Deposits	12,652,266	12,238,058
Short-term borrowings	0	0
Long-term debt	581,177	774,674
Interest Payable	5,723	6,226
Fair Value, Inputs, Level 3 [Member] | Fair value
Financial assets
Cash and short-term investments	0	0
Investment securities held-to-maturity	0	0
Other investments	9,408	9,408
Loans and leases	9,767,354	9,743,497
Interest Receivable		37,682
Deposits
Deposits	0	0
Short-term borrowings	0	0
Long-term debt	0	0
Interest Payable	$ 0	$ 0

FAIR VALUE DISCLOSURES - Summar

FAIR VALUE DISCLOSURES - Summary of Financial Assets and Liabilities Measure at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Assets
Investment securities available-for-sale	$ 3,753,763
Derivative Asset	226,782		$ 272,499
Liabilities
Derivative liabilities	226,891		272,606
Loans Held-for-sale, Fair Value Disclosure	34,600		41,100
Fair Value, Option, Changes in Fair Value, Gain (Loss)	(1,300)	$ 900
Financing Receivable, Held-for-Sale	30,300		35,500
Fair Value, Option, Aggregate Differences, Loans and Long-term Receivables	4,300		5,600
Fair Value, Measurements, Recurring
Assets
Investment securities available-for-sale	3,753,763		3,424,580
Derivative Asset			185,032
Total	4,015,209		3,738,330
Liabilities
Total	227,292		273,739
Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 1 | Fair value
Liabilities
Loans Held-for-sale, Fair Value Disclosure	0		0
Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 1
Assets
Investment securities available-for-sale	10,260		103
Derivative Asset			0
Total	10,260		103
Liabilities
Total	0		0
Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 2 | Fair value
Liabilities
Loans Held-for-sale, Fair Value Disclosure	34,590		41,103
Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 2
Assets
Investment securities available-for-sale	3,703,825		3,383,902
Derivative Asset			185,032
Total	3,965,271		3,697,652
Liabilities
Total	227,292		273,739
Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 3 | Fair value
Liabilities
Loans Held-for-sale, Fair Value Disclosure	0		0
Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 3
Assets
Investment securities available-for-sale	39,678		40,575
Derivative Asset			0
Total	39,678		40,575
Liabilities
Total	0		0
Fair Value, Measurements, Recurring | Fair Value, Inputs, Level 1, 2 and 3
Liabilities
Loans Held-for-sale, Fair Value Disclosure	34,590		41,103
Interest Rate Contract [Member] | Fair Value, Measurements, Recurring
Assets
Derivative Asset	122,156
Liabilities
Derivative liabilities	122,592		186,124
Interest Rate Contract [Member] | Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 1
Assets
Derivative Asset	0
Liabilities
Derivative liabilities	0		0
Interest Rate Contract [Member] | Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 2
Assets
Derivative Asset	122,156
Liabilities
Derivative liabilities	122,592		186,124
Interest Rate Contract [Member] | Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 3
Assets
Derivative Asset	0
Liabilities
Derivative liabilities	0		0
Foreign Exchange [Member] | Fair Value, Measurements, Recurring
Assets
Derivative Asset	104,700		87,615
Liabilities
Derivative liabilities	104,700		87,615
Foreign Exchange [Member] | Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 1
Assets
Derivative Asset	0		0
Liabilities
Derivative liabilities	0		0
Foreign Exchange [Member] | Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 2
Assets
Derivative Asset	104,700		87,615
Liabilities
Derivative liabilities	104,700		87,615
Foreign Exchange [Member] | Fair Value, Measurements, Recurring | Fair Value Measurements Using Level 3
Assets
Derivative Asset	0		0
Liabilities
Derivative liabilities	$ 0		$ 0

FAIR VALUE DISCLOSURES - Reconc

FAIR VALUE DISCLOSURES - Reconciliation of Gains and Losses on Level 3 Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Beginning balance	$ 40,575	$ 9,190
Accretion (amortization)	(9)	16
Increase (decrease) in fair value	12	(30)
Settlements	(900)	35,074
Ending balance	$ 39,678	$ 44,250

FAIR VALUE DISCLOSURES - Summ_2

FAIR VALUE DISCLOSURES - Summary of Financial Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Impaired Commercial And Commercial Real Estate Loans Member
Assets
Allowance for Loan and Lease Losses, Real Estate	$ 10,200	$ 13,500
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 1
Assets
OREO	0	0
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 1 | Fair value | Commercial
Assets
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 1 | Fair value | Commercial real estate
Assets
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 2
Assets
OREO	0	0
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 2 | Fair value | Commercial
Assets
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 2 | Fair value | Commercial real estate
Assets
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 3
Assets
OREO	54	54
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 3 | Fair value | Commercial
Assets
Assets, Fair Value Disclosure	10,732	25,367
Fair Value, Measurements, Nonrecurring | Fair Value Measurements Using Level 3 | Fair value | Commercial real estate
Assets
Assets, Fair Value Disclosure	$ 9,986	$ 6,432