Renasant (RNST) 10-Q 9 Nov 20 2020 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2020	Oct. 30, 2020
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity File Number	001-13253
Entity Registrant Name	RENASANT CORP
Entity Incorporation, State or Country Code	MS
Entity Tax Identification Number	64-0676974
Entity Address, Address Line One	209 Troy Street,
Entity Address, City or Town	Tupelo,
Entity Address, State or Province	MS
Entity Address, Postal Zip Code	38804-4827
City Area Code	662
Local Phone Number	680-1001
Title of 12(b) Security	Common stock, $5.00 par value per share
Trading Symbol	RNST
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		56,195,255
Entity Central Index Key	0000715072
Amendment Flag	false
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--12-31

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 207,353	$ 191,065
Interest-bearing balances with banks	206,752	223,865
Cash and cash equivalents	414,105	414,930
Securities available for sale, at fair value	1,293,388	1,290,613
Loans held for sale, at fair value	399,773	318,272
Loans, net of unearned income:
Total loans, net of unearned income	11,084,738	9,689,638
Allowance for credit losses	(168,098)	(52,162)
Loans, net	10,916,640	9,637,476
Premises and equipment, net	300,400	309,697
Other real estate owned:
Total other real estate owned, net	8,153	8,010
Goodwill	939,683	939,683
Other intangible assets, net	31,798	37,260
Bank-owned life insurance	230,022	225,942
Mortgage servicing rights	57,600	53,208
Other assets	217,371	165,527
Total assets	14,808,933	13,400,618
Deposits
Noninterest-bearing	3,758,242	2,551,770
Interest-bearing	8,175,898	7,661,398
Total deposits	11,934,140	10,213,168
Short-term borrowings	42,624	489,091
Long-term debt	475,082	376,507
Other liabilities	252,787	196,163
Total liabilities	12,704,633	11,274,929
Shareholders’ equity
Preferred stock, $0.01 par value – 5,000,000 shares authorized; no shares issued and outstanding	0	0
Common stock, $5.00 par value – 150,000,000 shares authorized; 59,296,725 shares issued; 56,193,705 and 56,855,002 shares outstanding, respectively	296,483	296,483
Treasury stock, at cost – 3,103,020 and 2,441,723 shares, respectively	(101,800)	(83,189)
Additional paid-in capital	1,294,888	1,294,276
Retained earnings	596,779	617,355
Accumulated other comprehensive income, net of taxes	17,950	764
Total shareholders’ equity	2,104,300	2,125,689
Total liabilities and shareholders’ equity	14,808,933	13,400,618
Non purchased loans and leases
Loans, net of unearned income:
Total loans, net of unearned income	9,424,224	7,587,974
Other real estate owned:
Total other real estate owned, net	3,576	2,762
Purchased loans
Loans, net of unearned income:
Total loans, net of unearned income	1,660,514	2,101,664
Other real estate owned:
Total other real estate owned, net	$ 4,577	$ 5,248

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) (Unaudited) - $ / shares	Sep. 30, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Preferred stock, par value (usd per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (shares)	5,000,000	5,000,000
Preferred stock, shares issued (shares)	0	0
Preferred stock, shares outstanding (shares)	0	0
Common stock, par value (usd per share)	$ 5	$ 5
Common stock, shares authorized (shares)	150,000,000	150,000,000
Common stock, shares issued (shares)	59,296,725	59,296,725
Common stock, shares outstanding (shares)	56,193,705	56,855,002
Treasury stock (in shares)	3,103,020	2,441,723

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest income
Loans	$ 114,914	$ 124,476	$ 351,192	$ 377,788
Securities
Taxable	5,499	7,218	19,219	22,874
Tax-exempt	1,573	1,292	4,697	3,992
Other	92	1,490	1,098	4,778
Total interest income	122,078	134,476	376,206	409,432
Interest expense
Deposits	11,810	21,514	44,175	62,277
Borrowings	3,982	4,137	13,361	12,383
Total interest expense	15,792	25,651	57,536	74,660
Net interest income	106,286	108,825	318,670	334,772
Provision for credit losses on loans	23,100	1,700	76,350	4,100
Net interest income after provision for credit losses on loans	83,186	107,125	242,320	330,672
Noninterest income
Service charges on deposit accounts	7,486	8,992	23,388	26,699
Fees and commissions	3,402	3,090	9,427	16,608
Insurance commissions	2,681	2,508	6,797	6,814
Wealth management revenue	4,364	3,588	12,190	10,513
Mortgage banking income	49,714	15,710	110,739	42,731
Net gain on sales of securities	0	343	31	348
BOLI income	1,267	1,734	3,759	4,481
Other	2,014	1,988	6,337	7,604
Total noninterest income	70,928	37,953	172,668	115,798
Noninterest expense
Salaries and employee benefits	75,406	65,425	227,956	183,100
Data processing	5,259	4,980	15,312	14,584
Net occupancy and equipment	13,296	12,943	40,927	36,322
Other real estate owned	1,033	418	2,071	1,674
Professional fees	3,197	2,976	8,355	7,861
Advertising and public relations	2,240	3,318	8,560	8,833
Intangible amortization	1,733	1,996	5,462	6,159
Communications	2,319	2,310	6,698	6,553
Extinguishment of debt	28	54	118	54
Merger and conversion related expenses	0	24	0	203
Other	11,999	2,056	34,377	13,279
Noninterest expense	116,510	96,500	349,836	278,622
Income (loss) before income taxes	37,604	48,578	65,152	167,848
Income taxes	7,612	11,132	13,022	38,667
Net income (loss)	$ 29,992	$ 37,446	$ 52,130	$ 129,181
Basic earnings per share (usd per share)	$ 0.53	$ 0.65	$ 0.93	$ 2.21
Diluted earnings per share (usd per share)	0.53	0.64	0.92	2.21
Cash dividends per common share (usd per share)	$ 0.22	$ 0.22	$ 0.66	$ 0.65

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 29,992	$ 37,446	$ 52,130	$ 129,181
Securities available for sale:
Unrealized holding gains (losses) on securities	388	(62)	19,685	20,648
Reclassification adjustment for gains (losses) realized in net income	0	1,876	(23)	1,872
Total securities available for sale	388	1,814	19,662	22,520
Derivative instruments:
Unrealized holding gains (losses) on derivative instruments	1,175	(708)	(2,621)	(3,164)
Total derivative instruments	1,175	(708)	(2,621)	(3,164)
Defined benefit pension and post-retirement benefit plans:
Amortization of net actuarial loss recognized in net periodic pension cost	48	78	145	234
Total defined benefit pension and post-retirement benefit plans	48	78	145	234
Other comprehensive income, net of tax	1,611	1,184	17,186	19,590
Comprehensive income	$ 31,603	$ 38,630	$ 69,316	$ 148,771

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Cumulative Effect, Period Of Adoption, Adjustment	Common Stock	Treasury Stock	Additional Paid-In Capital	Retained Earnings	Retained EarningsCumulative Effect, Period Of Adoption, Adjustment	Accumulated Other Comprehensive Income
Beginning balance (in shares) at Dec. 31, 2018			58,546,480
Beginning balance at Dec. 31, 2018	$ 2,043,913		$ 296,483	$ (24,245)	$ 1,288,911	$ 500,660		$ (17,896)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	45,110					45,110
Other comprehensive income	10,446							10,446
Comprehensive income	55,556
Cash dividends	(12,442)					(12,442)
Issuance of common stock for stock-based compensation awards (in shares)			87,150
Issuance of common stock for stock-based compensation awards	(787)			2,655	(3,442)
Stock-based compensation expense	2,637				2,637
Ending balance (in shares) at Mar. 31, 2019			58,633,630
Ending balance at Mar. 31, 2019	2,088,877		$ 296,483	(21,590)	1,288,106	533,328		(7,450)
Beginning balance (in shares) at Dec. 31, 2018			58,546,480
Beginning balance at Dec. 31, 2018	2,043,913		$ 296,483	(24,245)	1,288,911	500,660		(17,896)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	129,181
Other comprehensive income	19,590
Comprehensive income	148,771
Ending balance (in shares) at Sep. 30, 2019			57,455,306
Ending balance at Sep. 30, 2019	2,119,659		$ 296,483	(62,044)	1,291,927	591,599		1,694
Beginning balance (in shares) at Dec. 31, 2018			58,546,480
Beginning balance at Dec. 31, 2018	$ 2,043,913		$ 296,483	(24,245)	1,288,911	500,660		(17,896)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting standards update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Ending balance (in shares) at Dec. 31, 2019			56,855,002
Ending balance at Dec. 31, 2019	$ 2,125,689	$ (35,099)	$ 296,483	(83,189)	1,294,276	617,355	$ (35,099)	764
Beginning balance (in shares) at Mar. 31, 2019			58,633,630
Beginning balance at Mar. 31, 2019	2,088,877		$ 296,483	(21,590)	1,288,106	533,328		(7,450)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	46,625					46,625
Other comprehensive income	7,960							7,960
Comprehensive income	54,585
Cash dividends	(12,971)					(12,971)
Repurchase of shares in connection with stock repurchase program (in shares)			(363,704)
Repurchase of shares in connection with stock repurchase program	(12,938)			(12,938)
Issuance of common stock for stock-based compensation awards (in shares)			27,744
Issuance of common stock for stock-based compensation awards	61			893	(832)
Stock-based compensation expense	2,082				2,082
Ending balance (in shares) at Jun. 30, 2019			58,297,670
Ending balance at Jun. 30, 2019	2,119,696		$ 296,483	(33,635)	1,289,356	566,982		510
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	37,446					37,446
Other comprehensive income	1,184							1,184
Comprehensive income	38,630
Cash dividends	(12,829)					(12,829)
Repurchase of shares in connection with stock repurchase program (in shares)			(851,421)
Repurchase of shares in connection with stock repurchase program	(28,707)			(28,707)
Issuance of common stock for stock-based compensation awards (in shares)			9,057
Issuance of common stock for stock-based compensation awards	(133)			298	(431)
Stock-based compensation expense	3,002				3,002
Ending balance (in shares) at Sep. 30, 2019			57,455,306
Ending balance at Sep. 30, 2019	2,119,659		$ 296,483	(62,044)	1,291,927	591,599		1,694
Beginning balance (in shares) at Dec. 31, 2019			56,855,002
Beginning balance at Dec. 31, 2019	2,125,689	(35,099)	$ 296,483	(83,189)	1,294,276	617,355	(35,099)	764
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	2,008					2,008
Other comprehensive income	13,737							13,737
Comprehensive income	15,745
Cash dividends	(12,555)					(12,555)
Repurchase of shares in connection with stock repurchase program (in shares)			(818,886)
Repurchase of shares in connection with stock repurchase program	(24,569)			(24,569)
Issuance of common stock for stock-based compensation awards (in shares)			104,902
Issuance of common stock for stock-based compensation awards	(1,449)			4,138	(5,587)
Stock-based compensation expense	2,750				2,750
Ending balance (in shares) at Mar. 31, 2020			56,141,018
Ending balance at Mar. 31, 2020	2,070,512		$ 296,483	(103,620)	1,291,439	571,709		14,501
Beginning balance (in shares) at Dec. 31, 2019			56,855,002
Beginning balance at Dec. 31, 2019	$ 2,125,689	$ (35,099)	$ 296,483	(83,189)	1,294,276	617,355	$ (35,099)	764
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting standards update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Net income	$ 52,130
Other comprehensive income	17,186
Comprehensive income	69,316
Ending balance (in shares) at Sep. 30, 2020			56,193,705
Ending balance at Sep. 30, 2020	2,104,300		$ 296,483	(101,800)	1,294,888	596,779		17,950
Beginning balance (in shares) at Mar. 31, 2020			56,141,018
Beginning balance at Mar. 31, 2020	2,070,512		$ 296,483	(103,620)	1,291,439	571,709		14,501
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	20,130					20,130
Other comprehensive income	1,838							1,838
Comprehensive income	21,968
Cash dividends	(12,525)					(12,525)
Issuance of common stock for stock-based compensation awards (in shares)			40,944
Issuance of common stock for stock-based compensation awards	(7)			1,397	(1,404)
Stock-based compensation expense	2,998				2,998
Ending balance (in shares) at Jun. 30, 2020			56,181,962
Ending balance at Jun. 30, 2020	2,082,946		$ 296,483	(102,223)	1,293,033	579,314		16,339
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	29,992					29,992
Other comprehensive income	1,611							1,611
Comprehensive income	31,603
Cash dividends	(12,527)					(12,527)
Issuance of common stock for stock-based compensation awards (in shares)			11,743
Issuance of common stock for stock-based compensation awards	(127)			423	(550)
Stock-based compensation expense	2,405				2,405
Ending balance (in shares) at Sep. 30, 2020			56,193,705
Ending balance at Sep. 30, 2020	$ 2,104,300		$ 296,483	$ (101,800)	$ 1,294,888	$ 596,779		$ 17,950

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) (Unaudited) - $ / shares	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Stockholders' Equity [Abstract]
Cash dividends per common share (usd per share)	$ 0.22	$ 0.22	$ 0.22	$ 0.22	$ 0.22	$ 0.21	$ 0.66	$ 0.65

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended				9 Months Ended		12 Months Ended
	Sep. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Operating activities
Net income	$ 29,992,000	$ 2,008,000	$ 37,446,000	$ 45,110,000	$ 52,130,000	$ 129,181,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses on loans	23,100,000		1,700,000		76,350,000	4,100,000
Depreciation, amortization and accretion					22,727,000	5,826,000
Deferred income tax (benefit) expense					(8,494,000)	13,911,000
Funding of mortgage loans held for sale					(3,277,576,000)	(1,680,729,000)
Proceeds from sales of mortgage loans held for sale					3,310,402,000	1,543,544,000
Gains on sales of mortgage loans held for sale					(114,327,000)	(35,416,000)
Valuation adjustment to mortgage servicing rights					13,694,000	3,132,000	$ 1,836,000
Gains on sales of securities	0		(343,000)		(31,000)	(348,000)
Penalty on prepayment of debt	28,000		54,000		118,000	54,000
Loss (gains) on sales of premises and equipment					35,000	(1,062,000)
Stock-based compensation expense					8,153,000	7,721,000
Net change in other loans held for sale					0	59,885,000
Increase in other assets					(87,405,000)	(12,397,000)
Increase (decrease) in other liabilities					48,269,000	(7,520,000)
Net cash provided by operating activities					44,045,000	29,882,000
Investing activities
Purchases of securities available for sale					(304,955,000)	(366,265,000)
Proceeds from sales of securities available for sale	0		199,875,000		8,773,000	212,485,000
Proceeds from call/maturities of securities available for sale					314,363,000	192,520,000
Net increase in loans					(1,383,382,000)	(93,761,000)
Purchases of premises and equipment					(6,824,000)	(23,968,000)
Proceeds from sales of premises and equipment					0	2,246,000
Net change in FHLB stock					10,607,000	6,389,000
Proceeds from sales of other assets					6,020,000	17,250,000
Other, net					0	917,000
Net cash used in investing activities					(1,355,398,000)	(52,187,000)
Financing activities
Net increase in noninterest-bearing deposits					1,206,472,000	288,350,000
Net increase (decrease) in interest-bearing deposits					514,646,000	(129,873,000)
Net decrease in short-term borrowings					(446,467,000)	(182,104,000)
Proceeds from the issuance of long-term debt, net of issuance costs					98,299,000	0
Repayment of long-term debt					(246,000)	(33,631,000)
Cash paid for dividends					(37,607,000)	(38,242,000)
Repurchase of shares in connection with stock repurchase program					(24,569,000)	(41,645,000)
Net cash provided by (used in) financing activities					1,310,528,000	(137,145,000)
Net decrease in cash and cash equivalents					(825,000)	(159,450,000)
Cash and cash equivalents at beginning of period		$ 414,930,000		$ 569,111,000	414,930,000	569,111,000	569,111,000
Cash and cash equivalents at end of period	$ 414,105,000		$ 409,661,000		414,105,000	409,661,000	$ 414,930,000
Supplemental disclosures
Cash paid for interest					61,351,000	75,720,000
Cash paid for income taxes					26,148,000	25,892,000
Noncash transactions:
Transfers of loans to other real estate owned					7,887,000	3,613,000
Financed sales of other real estate owned					151,000	254,000
Recognition of operating right-of-use assets					4,151,000	89,770,000
Recognition of operating lease liabilities					4,151,000	93,289,000
Mortgage Receivable
Noncash transactions:
Transfer of loans held-for-sale to portfolio loans					0	189,000
Loans Receivable
Noncash transactions:
Transfer of loans held-for-sale to portfolio loans					$ 0	$ 134,335,000

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies (In Thousands) Nature of Operations : Renasant Corporation (referred to herein as the “Company”) owns and operates Renasant Bank (“Renasant Bank” or the “Bank”), Renasant Insurance, Inc. (“Renasant Insurance”) and Park Place Capital Corporation. The Company offers a diversified range of financial, wealth management and insurance services to its retail and commercial customers through its subsidiaries and full-service offices located throughout north and central Mississippi, Tennessee, Georgia, Alabama and north Florida. Basis of Presentation : The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Certain prior year amounts have been reclassified to conform to the current year presentation. For further information regarding the Company’s significant accounting policies, refer to the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 filed with the Securities and Exchange Commission on February 27, 2020. Use of Estimates : The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates, and such differences may be material. Impact of Recently-Issued Accounting Standards and Pronouncements : In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”), which updated Accounting Standards Codification Topic (“ASC”) 326, Financial Instruments - Credit Losses (“ASC 326”). ASU 2016-13 significantly changed the way entities recognize impairment on many financial assets by requiring immediate recognition of estimated credit losses expected to occur over the asset’s remaining life. FASB describes this impairment recognition model as the current expected credit loss (“CECL”) model and believes the CECL model will result in more timely recognition of credit losses since the CECL model incorporates expected credit losses versus incurred credit losses. The scope of FASB’s CECL model includes loans, held-to-maturity debt instruments, lease receivables, loan commitments and financial guarantees that are not accounted for at fair value. Additionally, ASU 2016-13 amended the accounting for credit losses on available for sale securities and purchased financial assets with credit deterioration (“PCD”). In the remainder of these Notes to Consolidated Financial Statements, unless the context clearly provides otherwise, references to “CECL” or to “ASC 326” shall mean the accounting standards and principles set forth in ASC 326 after giving effect to ASU 2016-13 and the clarifications thereto discussed in the next paragraph. Over the course of 2018 and 2019, FASB issued a number of updates clarifying various matters arising under ASU 2016-13, including the following: (1) ASU 2018-19 was issued to clarify that receivables arising from operating leases are not within the scope of Subtopic 326-20; instead, impairment of receivables arising from operating leases should be accounted for in accordance with ASC 842, Leases (“ASC 842”); (2) ASU 2019-04 provides entities alternatives for measurement of accrued interest receivable, clarifies the steps entities should take when recording the transfer of loans or debt securities between measurement classifications or categories and clarifies that entities should include expected recoveries on financial assets; (3) ASU 2019-05 was issued to provide entities that have certain instruments within the scope of Subtopic 320-20 with an option to irrevocably elect the fair value option in Subtopic 825-10; and (4) ASU 2019-11 was issued to address stakeholders’ specific issues relating to expected recoveries on PCD assets and transition and disclosure relief related to troubled debt restructured loans and accrued interest, respectively. ASU 2016-13 December 31, 2019 Impact of ASU 2016-13 Adoption January 1, 2020 Assets: Allowance for credit losses $ (52,162) $ (42,484) $ (94,646) Deferred tax assets, net $ 27,282 $ 12,305 $ 39,587 Remaining purchase discount on loans $ (50,958) $ 5,469 $ (45,489) Liabilities: Reserve for unfunded commitments $ 946 $ 10,389 $ 11,335 Shareholders’ equity: Retained earnings $ 617,355 $ (35,099) $ 582,256 The Company used the prospective transition approach for PCD loans that were previously classified as purchased credit impaired (“PCI”) and accounted for under ASC 310-30, “ Loans and Debt Securities Acquired with Deteriorated Credit Quality ” (“ASC 310-30”). As permitted under ASC 326, the Company did not reassess whether PCI assets meet the criteria of PCD assets as of the date of adoption. As shown in the table above, the amortized cost basis of the PCD assets was adjusted to reflect the addition of $5,469 to the allowance for credit losses. The remaining noncredit discount will be accreted into interest income. The prospective transition approach was also used for debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2020. As a result, the amortized cost basis remained the same before and after the effective date of the adoption of CECL. Additionally, the Company has elected to exclude accrued interest receivable from the amortized cost of loans. As of September 30, 2020, the Company has accrued interest receivable for loans of $56,382, which is recorded in other assets on the Consolidated Balance Sheets. In January 2017, FASB issued ASU 2017-04, “Intangibles - Goodwill and Other (Topic 350)” (“ASU 2017-04”), which amends and simplifies current goodwill impairment testing by eliminating certain testing under the earlier provisions. Under the new guidance, an entity performs the goodwill impairment test by comparing the fair value of a reporting unit with its carrying value and recognizes an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if a quantitative impairment test is necessary. ASU 2017-04 was adopted on January 1, 2020 and did not have a material impact on the Company’s financial statements. In August 2018, FASB issued ASU 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement” (“ASU 2018-13”), which is intended to improve the disclosures on fair value measurements by eliminating, amending and adding certain disclosure requirements. These changes are intended to reduce costs for preparers while providing more useful information for financial statement users. ASU 2018-13 was adopted on January 1, 2020 and did not have a material impact on the Company’s financial statements. In March 2019, FASB issued ASU 2019-01, “Leases (Topic 842): Codification Improvements” (“ASU 2019-01”), which is intended to clarify potential implementation questions related to ASC 842. This includes clarification on the determination of fair value of underlying assets by lessors that are not manufacturers or dealers, cash flow presentation of sales-type and direct financing leases and transition disclosures related to accounting changes and error corrections. ASU 2019-01 was adopted on January 1, 2020 and did not have a material impact on the Company’s financial statements. In March 2020, FASB issued ASU 2020-04, “Reference Rate Reform (Topic 842): Facilitation of the Effects of Reference Rate Reform on Financial Reporting”

Securities

Securities	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Securities	Securities (In Thousands, Except Number of Securities) The amortized cost, fair value and allowance for credit losses of securities available for sale were as follows as of the dates presented: Amortized Gross Gross Allowance for Credit Losses Fair September 30, 2020 U.S. Treasury securities $ 7,067 $ 45 $ — $ — $ 7,112 Obligations of other U.S. Government agencies and corporations 1,505 10 — — 1,515 Obligations of states and political subdivisions 267,067 11,224 (651) — 277,640 Residential mortgage backed securities: Government agency mortgage backed securities 649,383 23,601 (64) — 672,920 Government agency collateralized mortgage obligations 133,993 2,181 (29) — 136,145 Commercial mortgage backed securities: Government agency mortgage backed securities 29,198 1,316 (1) — 30,513 Government agency collateralized mortgage obligations 90,523 3,306 (77) — 93,752 Trust preferred securities 12,042 — (3,550) — 8,492 Other debt securities 62,495 2,935 (131) — 65,299 $ 1,253,273 $ 44,618 $ (4,503) $ — $ 1,293,388 Amortized Gross Gross Fair December 31, 2019 U.S. Treasury securities $ 498 $ 1 $ — $ 499 Obligations of other U.S. Government agencies and corporations 2,518 16 (3) 2,531 Obligations of states and political subdivisions 218,362 5,134 (365) 223,131 Residential mortgage backed securities: Government agency mortgage backed securities 708,970 8,951 (1,816) 716,105 Government agency collateralized mortgage obligations 172,178 1,322 (262) 173,238 Commercial mortgage backed securities: Government agency mortgage backed securities 30,372 659 (24) 31,007 Government agency collateralized mortgage obligations 76,456 1,404 (109) 77,751 Trust preferred securities 12,153 — (2,167) 9,986 Other debt securities 55,364 1,133 (132) 56,365 $ 1,276,871 $ 18,620 $ (4,878) $ 1,290,613 Securities sold were as follows for the periods presented: There were no securities sold during the three months ended September 30, 2020. Carrying Value Net Proceeds Gain/(Loss) Nine months ended September 30, 2020 Obligations of states and political subdivisions $ 2,696 $ 2,561 $ (135) Residential mortgage backed securities: Government agency mortgage backed securities 6,046 6,212 166 $ 8,742 $ 8,773 $ 31 Carrying Value Net Proceeds Gain/(Loss) Three months ended September 30, 2019 Obligations of states and political subdivisions $ 1,112 $ 1,111 $ (1) Residential mortgage backed securities: Government agency mortgage backed securities 70,926 70,322 (604) Government agency collateralized mortgage obligations 122,404 120,606 (1,798) Commercial mortgage backed securities: Government agency mortgage backed securities 4,838 4,720 (118) Other debt securities 252 257 5 Other equity securities — 2,859 2,859 $ 199,532 $ 199,875 $ 343 Nine months ended September 30, 2019 Obligations of states and political subdivisions $ 11,799 $ 11,813 $ 14 Residential mortgage backed securities: Government agency mortgage backed securities 72,556 71,944 (612) Government agency collateralized mortgage obligations 122,692 120,892 (1,800) Commercial mortgage backed securities: Government agency mortgage backed securities 4,838 4,720 (118) Other debt securities 252 257 5 Other equity securities — 2,859 2,859 $ 212,137 $ 212,485 $ 348 The sale of other equity securities represents the Company's sale of all of its shares of Visa Class B common stock during the third quarter of 2019. Gross realized gains and losses on sales of securities available for sale for the three and nine months ended September 30, 2020 and 2019 were as follows: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Gross gains on sales of securities available for sale $ — $ 2,933 $ 166 $ 2,979 Gross losses on sales of securities available for sale — (2,590) (135) (2,631) Gains on sales of securities available for sale, net $ — $ 343 $ 31 $ 348 At September 30, 2020 and December 31, 2019, securities with a carrying value of $534,408 and $416,849, respectively, were pledged to secure government, public and trust deposits. Securities with a carrying value of $36,964 and $27,754 were pledged as collateral for short-term borrowings and derivative instruments at September 30, 2020 and December 31, 2019, respectively. The amortized cost and fair value of securities at September 30, 2020 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may call or prepay obligations with or without call or prepayment penalties. Available for Sale Amortized Fair Due within one year $ 9,258 $ 9,316 Due after one year through five years 38,526 40,210 Due after five years through ten years 71,434 75,283 Due after ten years 194,270 196,052 Residential mortgage backed securities: Government agency mortgage backed securities 649,383 672,920 Government agency collateralized mortgage obligations 133,993 136,145 Commercial mortgage backed securities: Government agency mortgage backed securities 29,198 30,513 Government agency collateralized mortgage obligations 90,523 93,752 Other debt securities 36,688 39,197 $ 1,253,273 $ 1,293,388 The following table presents the age of gross unrealized losses and fair value by investment category for which an allowance for credit losses has not been recorded as of the dates presented: Less than 12 Months 12 Months or More Total # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for Sale: September 30, 2020 Obligations of states and political subdivisions 28 $ 45,111 $ (651) 0 $ — $ — 28 $ 45,111 $ (651) Residential mortgage backed securities: Government agency mortgage backed securities 3 21,244 (64) 0 — — 3 21,244 (64) Government agency collateralized mortgage obligations 6 18,206 (29) 0 — — 6 18,206 (29) Commercial mortgage backed securities: Government agency mortgage backed securities 1 1,546 (1) 1 465 — 2 2,011 (1) Government agency collateralized mortgage obligations 3 12,846 (77) 0 — — 3 12,846 (77) Trust preferred securities 0 — — 2 8,492 (3,550) 2 8,492 (3,550) Other debt securities 12 14,833 (128) 1 575 (3) 13 15,408 (131) Total 53 $ 113,786 $ (950) 4 $ 9,532 $ (3,553) 57 $ 123,318 $ (4,503) December 31, 2019 Obligations of other U.S. Government agencies and corporations 0 $ — $ — 1 $ 1,008 $ (3) 1 $ 1,008 $ (3) Obligations of states and political subdivisions 26 33,902 (365) 0 — — 26 33,902 (365) Residential mortgage backed securities: Government agency mortgage backed securities 37 233,179 (1,504) 16 20,775 (312) 53 253,954 (1,816) Government agency collateralized mortgage obligations 11 45,319 (262) 0 — — 11 45,319 (262) Commercial mortgage backed securities: Government agency mortgage backed securities 1 4,976 (23) 2 1,190 (1) 3 6,166 (24) Government agency collateralized mortgage obligations 1 4,910 (109) 0 — — 1 4,910 (109) Trust preferred securities 0 — — 2 9,986 (2,167) 2 9,986 (2,167) Other debt securities 3 8,737 (131) 1 741 (1) 4 9,478 (132) Total 79 $ 331,023 $ (2,394) 22 $ 33,700 $ (2,484) 101 $ 364,723 $ (4,878) The Company evaluates its investment portfolio for impairment related to credit losses on a quarterly basis. Impairment is assessed at the individual security level. The Company considers an investment security impaired if the fair value of the security is less than its cost or amortized cost basis. If the Company intends to sell the investment security or if the Company does not expect to recover the entire amortized cost basis of the security before the Company is required to sell the security or before the security’s maturity the security is impaired and it is written down to fair value with all losses recognized in earnings. The Company does not intend to sell any securities in an unrealized loss position that it holds, and it is not more likely than not that the Company will be required to sell any such security prior to the recovery of its amortized cost basis, which may be at maturity. Furthermore, even though a number of these securities have been in a continuous unrealized loss position for a period

Non Purchased Loans

Non Purchased Loans	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Non Purchased Loans	Non Purchased Loans (In Thousands, Except Number of Loans) For purposes of this Note 3, all references to “loans” mean non purchased loans excluding loans held for sale. The following is a summary of non purchased loans and leases as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,445,294 $ 1,052,353 Lease financing 87,257 85,700 Real estate – construction: Residential 261,432 272,643 Commercial 477,441 502,258 Total real estate – construction 738,873 774,901 Real estate – 1-4 family mortgage: Primary 1,517,528 1,449,219 Home equity 442,380 456,265 Rental/investment 272,811 291,931 Land development 136,573 152,711 Total real estate – 1-4 family mortgage 2,369,292 2,350,126 Real estate – commercial mortgage: Owner-occupied 1,316,408 1,209,204 Non-owner occupied 2,176,562 1,803,587 Land development 117,672 116,085 Total real estate – commercial mortgage 3,610,642 3,128,876 Installment loans to individuals 177,195 199,843 Gross loans 9,428,553 7,591,799 Unearned income (4,329) (3,825) Loans, net of unearned income $ 9,424,224 $ 7,587,974 Past Due and Nonaccrual Loans Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Generally, the recognition of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Consumer and other retail loans are typically charged-off no later than the time the loan is 120 days past due. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due. All interest accrued for the current year, but not collected, for loans that are placed on nonaccrual status or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Company recognized $189 in interest income on nonaccrual loans during the first nine months of 2020. The following table provides an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 876 $ 288 $ 2,439,040 $ 2,440,204 $ 650 $ 2,666 $ 1,774 $ 5,090 $ 2,445,294 Lease financing — — 87,257 87,257 — — — — 87,257 Real estate – construction: Residential 988 — 260,444 261,432 — — — — 261,432 Commercial — — 477,441 477,441 — — — — 477,441 Total real estate – construction 988 — 737,885 738,873 — — — — 738,873 Real estate – 1-4 family mortgage: Primary 1,795 1,098 1,505,737 1,508,630 347 3,031 5,520 8,898 1,517,528 Home equity 1,001 16 440,820 441,837 — 92 451 543 442,380 Rental/investment 1,334 207 270,995 272,536 7 178 90 275 272,811 Land development 60 — 136,468 136,528 — 12 33 45 136,573 Total real estate – 1-4 family mortgage 4,190 1,321 2,354,020 2,359,531 354 3,313 6,094 9,761 2,369,292 Real estate – commercial mortgage: Owner-occupied 1,034 1 1,312,024 1,313,059 178 2,895 276 3,349 1,316,408 Non-owner occupied 1,986 — 2,174,154 2,176,140 58 309 55 422 2,176,562 Land development 257 43 117,287 117,587 — 39 46 85 117,672 Total real estate – commercial mortgage 3,277 44 3,603,465 3,606,786 236 3,243 377 3,856 3,610,642 Installment loans to individuals 923 173 175,975 177,071 6 84 34 124 177,195 Unearned income — — (4,329) (4,329) — — — — (4,329) Loans, net of unearned income $ 10,254 $ 1,826 $ 9,393,313 $ 9,405,393 $ 1,246 $ 9,306 $ 8,279 $ 18,831 $ 9,424,224 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 605 $ 476 $ 1,045,802 $ 1,046,883 $ 387 $ 5,023 $ 60 $ 5,470 $ 1,052,353 Lease financing — — 85,474 85,474 — 226 — 226 85,700 Real estate – construction 794 — 774,107 774,901 — — — — 774,901 Real estate – 1-4 family mortgage 18,020 2,502 2,320,328 2,340,850 623 6,571 2,082 9,276 2,350,126 Real estate – commercial mortgage 2,362 276 3,119,785 3,122,423 372 4,655 1,426 6,453 3,128,876 Installment loans to individuals 1,000 204 198,555 199,759 — 17 67 84 199,843 Unearned income — — (3,825) (3,825) — — — — (3,825) Total loans, net $ 22,781 $ 3,458 $ 7,540,226 $ 7,566,465 $ 1,382 $ 16,492 $ 3,635 $ 21,509 $ 7,587,974 Restructured Loans Restructured loans are those for which concessions have been granted to the borrower due to a deterioration of the borrower’s financial condition and which are performing in accordance with the new terms. Such concessions may include reduction in interest rates or deferral of interest or principal payments. In evaluating whether to restructure a loan, management analyzes the long-term financial condition of the borrower, including guarantor and collateral support, to determine whether the proposed concessions will increase the likelihood of repayment of principal and interest. The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Commercial, financial, agricultural 1 $ 31 $ 31 Real estate – 1-4 family mortgage: Primary 2 201 200 Rental/investment 1 33 32 Total real estate – 1-4 family mortgage 3 234 232 Real estate – commercial mortgage: Owner-occupied 2 357 357 Non-owner occupied 2 210 210 Total real estate – commercial mortgage 4 567 567 Total 8 $ 832 $ 830 Three months ended September 30, 2019 Real estate – 1-4 family mortgage 1 $ 16 $ 16 Total 1 $ 16 $ 16 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 7 $ 1,862 $ 1,859 Real estate – 1-4 family mortgage: Primary 17 2,356 2,363 Rental/investment 2 142 142 Total real estate – 1-4 family mortgage 19 2,498 2,505 Real estate – commercial mortgage: Owner-occupied 3 3,019 2,970 Non-owner occupied 2 210 210 Land development 1 189 189 Total real estate – commercial mortgage 6 3,418 3,369 Installment loans to individuals 2 24 21 Total 34 $ 7,802 $ 7,754 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 187 $ 185 Real estate – 1-4 family mortgage 4 321 320 Total 6 $ 508 $ 505 With respect to loans that were restructured during the nine months ended September 30, 2020, $420 have subsequently defaulted as of the date of this report. With respect to loans that were restructured during the nine months ended September 30, 2019, $61 subsequently defaulted within twelve months of restructuring. Restructured loans not performing in accordance with their restructured terms that are either contractually 90 days or more past due or placed on nonaccrual status are reported as nonperforming loans. There was one restructured loan in the amount of $92 contractually 90 days past due or more and still accruing at September 30, 2020 and one restructured loan in the amount of $40 contractually 90 days past due or more and still accruing at September 30, 2019. The outstanding balance of restructured loans on nonaccrual status was $3,703 and $3,101 at September 30, 2020 and September 30, 2019, respectively. Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 46 $ 4,679 Additional advances or loans with concessions 34 7,787 Reclassified as performing restructured loan 3 354 Reductions due to: Reclassified as nonperforming (2) (510) Paid in full (4) (938) Principal paydowns — (200) Totals at September 30, 2020 77 $ 11,172 The allowance for credit losses attributable to restructured loans was $279 and $30 at September 30, 2020 and September 30, 2019, respectively. The Company had no remaining availability under commitments to lend additional funds on these restructured loans at September 30, 2020 and $1 at September 30, 2019. In response to the current economic environment caused by the COVID-19 pandemic, the Company implemented a loan deferral program in the first quarter of 2020 to provide temporary payment relief to both consumer and commercial customers. Any customer current on loan payments, taxes and insurance can qualify for an initial 90-day deferral of principal and interest payments. A second 90-day deferral has been made available to borrowers that remained current on taxes and insurance through the first deferral period and also satisfy underwriting standards established by the Company that analyze the ability of the borrower to service its loan in accordance with its existing terms in light of the impact of the COVID-19 pandemic on the borrower, its industry and the markets in which it operates. The Company’s loan deferral program complies with the guidance set forth in the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act and related guidance from the FDIC and other banking regulators. As of September 30, 2020, the Company had 804 loans with total balances of approximately $373,000 on deferral. In accordance with the applicable guidance, none of these loans were considered “restructured loans.” Credit Quality For commercial and commercial real estate loans, internal risk-rating grades are assigned by lending, credit administration and loan review personnel, based on an analysis of the financial and collateral strength and other credit attributes underlying each loan. Management analyzes the resulting ratings, as well as other external statistics and factors such as delinquency, to track the migration performance of the portfolio balances of these loans. Loan grades range between 1 and 9, with 1 rated loans having the least credit risk. Loans within the “Pass” grade generally have a lower risk of loss and therefore a lower risk factor applied to the loan balances. The “Pass” grade is reserved for loans with a risk rating between 1 and 4A, and the “Pass-Watch” grade (those with a risk rating of 4B and 4E) is utilized on a temporary basis for “Pass” grade loans where a significant adverse risk-modifying action is anticipated in the near term. Loans that migrate toward the “Substandard” grade (those with a risk rating between 5 and 9) generally have a higher risk of loss and therefore a higher risk factor applied to the related loan balances. During the first quarter of 2020, the Company proactively downgraded to “Pass-Watch” certain “Pass” rated loans greater than $1,000 in industries the Company believed posed a greater risk in the current pandemic environment (at the time of the downgrade, borrowers in the hotel/motel, restaurant and entertainment industries). Note 5, “Allowance for Credit Losses,” provides additional information about the Company's heightened monitoring efforts. The following table presents the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 1,496,869 $ 208,462 $ 82,029 $ 55,271 $ 21,981 $ 25,284 $ 249,974 $ 12,539 $ 2,152,409 Pass 1,490,637 184,292 77,209 47,560 17,411 23,379 234,139 10,846 2,085,473 Pass-Watch 5,841 23,483 3,318 6,056 4,177 178 11,352 796 55,201 Substandard 391 687 1,502 1,655 393 1,727 4,483 897 11,735 Real Estate - Construction $ 292,840 $ 277,380 $ 60,321 $ 27,528 $ — $ — $ 14,687 $ 145 $ 672,901 Residential $ 144,193 $ 37,303 $ 2,805 $ — $ — $ — $ 14,175 $ 145 $ 198,621 Pass 143,398 37,239 2,805 — — — 14,175 145 197,762 Pass-Watch 795 — — — — — — — 795 Substandard — 64 — — — — — — 64 Commercial $ 148,647 $ 240,077 $ 57,516 $ 27,528 $ — $ — $ 512 $ — $ 474,280 Pass 143,920 222,291 57,516 27,528 — — 512 — 451,767 Pass-Watch 4,727 17,786 — — — — — — 22,513 Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 93,050 $ 90,316 $ 54,193 $ 35,024 $ 15,897 $ 11,028 $ 16,565 $ 2,411 $ 318,484 Primary $ 7,847 $ 7,610 $ 7,659 $ 5,548 $ 427 $ 2,099 $ 416 $ — $ 31,606 Pass 7,847 7,328 7,659 5,548 427 2,083 416 — 31,308 Pass-Watch — 162 — — — — — — 162 Substandard — 120 — — — 16 — — 136 Home Equity $ 97 $ 565 $ — $ — $ — $ — $ 10,563 $ — $ 11,225 Pass 97 565 — — — — 10,438 — 11,100 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Pass-Watch — — — — — — 125 — 125 Substandard — — — — — — — — — Rental/Investment $ 37,906 $ 38,376 $ 32,752 $ 29,097 $ 15,247 $ 8,516 $ 1,260 $ 570 $ 163,724 Pass 35,900 36,978 31,584 27,640 15,142 7,714 1,169 570 156,697 Pass-Watch 1,816 456 434 1,390 — 603 91 — 4,790 Substandard 190 942 734 67 105 199 — — 2,237 Land Development $ 47,200 $ 43,765 $ 13,782 $ 379 $ 223 $ 413 $ 4,326 $ 1,841 $ 111,929 Pass 47,200 43,125 13,782 379 217 375 4,322 1,841 111,241 Pass-Watch — — — — — 38 4 — 42 Substandard — 640 — — 6 — — — 646 Real Estate - Commercial Mortgage $ 674,040 $ 853,569 $ 495,652 $ 448,059 $ 387,416 $ 329,400 $ 79,338 $ 18,350 $ 3,285,824 Owner-Occupied $ 187,846 $ 272,468 $ 208,303 $ 186,479 $ 125,496 $ 101,549 $ 23,588 $ 5,804 $ 1,111,533 Pass 174,500 261,499 175,671 159,656 99,871 86,635 18,854 5,804 982,490 Pass-Watch 13,311 10,202 27,468 22,250 22,470 13,178 3,126 — 112,005 Substandard 35 767 5,164 4,573 3,155 1,736 1,608 — 17,038 Non-Owner Occupied $ 462,691 $ 555,163 $ 273,430 $ 256,342 $ 256,794 $ 223,031 $ 52,887 $ 12,546 $ 2,092,884 Pass 428,272 502,778 235,155 171,441 190,683 164,334 46,252 12,427 1,751,342 Pass-Watch 32,584 50,069 38,275 83,315 52,461 57,785 6,635 119 321,243 Substandard 1,835 2,316 — 1,586 13,650 912 — — 20,299 Land Development $ 23,503 $ 25,938 $ 13,919 $ 5,238 $ 5,126 $ 4,820 $ 2,863 $ — $ 81,407 Pass 21,084 25,070 12,617 5,165 3,539 4,820 2,863 — 75,158 Pass-Watch 263 868 1,302 73 — — — — 2,506 Substandard 2,156 — — — 1,587 — — — 3,743 Installment loans to individuals $ 25 $ 5 $ — $ — $ — $ — $ — $ 20 $ 50 Pass 25 5 — — — — — 20 50 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Total loans subject to risk rating $ 2,556,824 $ 1,429,732 $ 692,195 $ 565,882 $ 425,294 $ 365,712 $ 360,564 $ 33,465 $ 6,429,668 Pass 2,492,880 1,321,170 613,998 444,917 327,290 289,340 333,140 31,653 5,854,388 Pass-Watch 59,337 103,026 70,797 113,084 79,108 71,782 21,333 915 519,382 Substandard 4,607 5,536 7,400 7,881 18,896 4,590 6,091 897 55,898 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 26,726 $ 19,164 $ 12,105 $ 7,487 $ 3,440 $ 12,258 $ 211,383 $ 322 $ 292,885 Performing Loans 26,726 19,052 12,049 7,107 3,291 12,235 210,916 322 291,698 Non-Performing Loans — 112 56 380 149 23 467 — 1,187 Lease Financing Receivables $ 27,278 $ 27,274 $ 18,993 $ 5,056 $ 1,836 $ 2,491 $ — $ — $ 82,928 Performing Loans 27,278 27,274 18,993 5,056 1,836 2,491 — — 82,928 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ 37,614 $ 27,562 $ 295 $ 155 $ — $ — $ 346 $ — $ 65,972 Residential $ 36,288 $ 25,727 $ 295 $ 155 $ — $ — $ 346 $ — $ 62,811 Performing Loans 36,288 25,727 295 155 — — 346 — 62,811 Non-Performing Loans — — — — — — — — — Commercial $ 1,326 $ 1,835 $ — $ — $ — $ — $ — $ — $ 3,161 Performing Loans 1,326 1,835 — — — — — — 3,161 Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 378,741 $ 381,768 $ 298,572 $ 223,228 $ 116,088 $ 218,792 $ 430,273 $ 3,346 $ 2,050,808 Primary $ 342,912 $ 353,445 $ 274,097 $ 200,836 $ 101,959 $ 211,184 $ 1,443 $ 46 $ 1,485,922 Performing Loans 342,912 351,059 271,076 199,061 101,238 209,090 1,443 46 1,475,925 Non-Performing Loans — 2,386 3,021 1,775 721 2,094 — — 9,997 Home Equity $ — $ 205 $ 377 $ 179 $ 45 $ 965 $ 426,583 $ 2,801 $ 431,155 Performing Loans — 205 377 179 45 848 426,434 2,507 430,595 Non-Performing Loans — — — — — 117 149 294 560 Rental/Investment $ 24,840 $ 22,936 $ 20,378 $ 19,980 $ 12,950 $ 6,007 $ 1,497 $ 499 $ 109,087 Performing Loans 24,840 22,830 20,378 19,859 12,943 5,759 1,497 499 108,605 Non-Performing Loans — 106 — 121 7 248 — — 482 Land Development $ 10,989 $ 5,182 $ 3,720 $ 2,233 $ 1,134 $ 636 $ 750 $ — $ 24,644 Performing Loans 10,989 5,182 3,708 2,200 1,134 636 750 — 24,599 Non-Performing Loans — — 12 33 — — — — 45 Real Estate - Commercial Mortgage $ 62,694 $ 76,274 $ 61,617 $ 50,869 $ 39,150 $ 22,001 $ 11,674 $ 539 $ 324,818 Owner-Occupied $ 36,389 $ 47,042 $ 39,417 $ 33,561 $ 26,849 $ 15,425 $ 5,876 $ 316 $ 204,875 Performing Loans 36,389 47,042 39,203 33,382 26,758 14,956 5,876 316 203,922 Non-Performing Loans — — 214 179 91 469 — — 953 Non-Owner Occupied $ 16,848 $ 19,873 $ 16,290 $ 14,117 $ 8,288 $ 5,011 $ 3,103 $ 148 $ 83,678 Performing Loans 16,848 19,873 16,232 14,117 8,288 4,956 3,103 148 83,565 Non-Performing Loans — — 58 — — 55 — — 113 Land Development $ 9,457 $ 9,359 $ 5,910 $ 3,191 $ 4,013 $ 1,565 $ 2,695 $ 75 $ 36,265 Performing Loans 9,457 9,359 5,910 3,181 4,013 1,522 2,695 75 36,212 Non-Performing Loans — — — 10 — 43 — — 53 Installment loans to individuals $ 59,631 $ 81,611 $ 15,836 $ 4,842 $ 2,856 $ 1,915 $ 10,363 $ 91 $ 177,145 Performing Loans 59,621 81,507 15,730 4,821 2,804 1,914 10,360 91 176,848 Non-Performing Loans 10 104 106 21 52 1 3 — 297 Total loans not subject to risk rating $ 592,684 $ 613,653 $ 407,418 $ 291,637 $ 163,370 $ 257,457 $ 664,039 $ 4,298 $ 2,994,556 Performing Loans 592,674 610,945 403,951 289,118 162,350 254,407 663,420 4,004 2,980,869 Non-Performing Loans 10 2,708 3,467 2,519 1,020 3,050 619 294 13,687 The following disclosures are presented under GAAP in effect prior to the adoption of CECL. The Company has included these disclosures to address the applicable prior period. A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above and is applicable to these tables. The following table presents the Company’s loan portfolio by internal risk-rating grades as of the date presented: Pass Pass-Watch Substandard Total December 31, 2019 Commercial, financial, agricultural $ 779,798 $ 11,949 $ 11,715 $ 803,462 Real estate – construction 698,950 501 9,209 708,660 Real estate – 1-4 family mortgage 339,079 3,856 3,572 346,507 Real estate – commercial mortgage 2,737,629 31,867 26,711 2,796,207 Installment loans to individuals 6 — — 6 Total $ 4,555,462 $ 48,173 $ 51,207 $ 4,654,842 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the date presented: Performing Non- Total December 31, 2019 Commercial, financial, agricultural $ 247,575 $ 1,316 $ 248,891 Lease financing 81,649 226 81,875 Real estate – construction 66,241 — 66,241 Real estate – 1-4 family mortgage 1,992,331 11,288 2,003,619 Real estate – commercial mortgage 330,714 1,955 332,669 Installment loans to individuals 199,549 288 199,837 Total $ 2,918,059 $ 15,073 $ 2,933,132 The following disclosures are presented under GAAP in effect prior to the adoption of CECL that are no longer applicable or required. The Company has included these disclosures to address the applicable prior periods. Impaired Loans Loans formerly accounted for under FASB ASC 310-20, “Nonrefundable Fees and Other Cost” (“ASC 310-20”), and which are impaired loans recognized in conformity with ASC 310, “Receivables” (“ASC 310”), segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 6,623 $ 5,722 $ — $ 5,722 $ 1,222 Lease financing 226 226 — 226 3 Real estate – construction 9,145 — 9,145 9,145 — Real estate – 1-4 family mortgage 14,018 13,689 — 13,689 143 Real estate – commercial mortgage 11,067 7,361 1,080 8,441 390 Installment loans to individuals 91 84 — 84 1 Totals $ 41,170 $ 27,082 $ 10,225 $ 37,307 $ 1,759 The following table presents the average recorded investment and interest income recognized on loans formerly accounted for under ASC 310-20 and which are impaired loans for the periods presented: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Interest Average Interest Commercial, financial, agricultural $ 5,705 $ 5 $ 5,656 $ 23 Lease financing — — — — Real estate – construction 12,128 111 11,756 321 Real estate – 1-4 family mortgage 12,203 50 12,323 153 Real estate – commercial mortgage 10,692 41 10,652 122 Installment loans to individuals 130 — 130 1 Total $ 40,858 $ 207 $ 40,517 $ 620 (In Thousands, Except Number of Loans) For purposes of this Note 4, all references to “loans” mean purchased loans excluding loans held for sale. The following is a summary of purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 202,768 $ 315,619 Real estate – construction: Residential 3,093 16,407 Commercial 31,153 35,175 Total real estate – construction 34,246 51,582 Real estate – 1-4 family mortgage: Primary 245,369 332,729 Home equity 95,235 117,275 Rental/investment 33,567 43,169 Land development 16,931 23,314 Total real estate – 1-4 family mortgage 391,102 516,487 Real estate – commercial mortgage: Owner-occupied 355,994 428,077 Non-owner occupied 577,679 647,308 Land development 32,694 40,004 Total real estate – commercial mortgage 966,367 1,115,389 Installment loans to individuals 66,031 102,587 Loans $ 1,660,514 $ 2,101,664 Past Due and Nonaccrual Loans The Company’s policies with respect to placing loans on nonaccrual status or charging off loans, and its accounting for interest on any such loans, are described above in Note 3, “Non Purchased Loans.” The Company recognized $214 in interest income on nonaccrual loans during the first nine months of 2020. The following tables provide an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 1,056 $ 36 $ 189,668 $ 190,760 $ 1,655 $ 6,233 $ 4,120 $ 12,008 $ 202,768 Real estate – construction: Residential — — 3,093 3,093 — — — — 3,093 Commercial — — 31,153 31,153 — — — — 31,153 Total real estate – construction — — 34,246 34,246 — — — — 34,246 Real estate – 1-4 family mortgage: Primary 845 64 238,937 239,846 329 2,794 2,400 5,523 245,369 Home equity 839 114 93,006 93,959 — 629 647 1,276 95,235 Rental/investment 356 — 32,409 32,765 — 708 94 802 33,567 Land development — — 16,581 16,581 — 29 321 350 16,931 Total real estate – 1-4 family mortgage 2,040 178 380,933 383,151 329 4,160 3,462 7,951 391,102 Real estate – commercial mortgage: Owner-occupied 851 — 351,688 352,539 505 891 2,059 3,455 355,994 Non-owner occupied 438 54 576,462 576,954 144 571 10 725 577,679 Land development 161 — 32,142 32,303 — 164 227 391 32,694 Total real estate – commercial mortgage 1,450 54 960,292 961,796 649 1,626 2,296 4,571 966,367 Installment loans to individuals 1,844 50 63,846 65,740 9 123 159 291 66,031 Loans, net of unearned income $ 6,390 $ 318 $ 1,628,985 $ 1,635,693 $ 2,642 $ 12,142 $ 10,037 $ 24,821 $ 1,660,514 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 1,889 $ 998 $ 311,218 $ 314,105 $ — $ 1,246 $ 268 $ 1,514 $ 315,619 Real estate – construction 319 — 51,263 51,582 — — — — 51,582 Real estate – 1-4 family mortgage 5,516 2,244 503,826 511,586 605 2,762 1,534 4,901 516,487 Real estate – commercial mortgage 3,454 922 1,110,570 1,114,946 — 123 320 443 1,115,389 Installment loans to individuals 3,709 153 98,545 102,407 1 51 128 180 102,587 Total Loans, net $ 14,887 $ 4,317 $ 2,075,422 $ 2,094,626 $ 606 $ 4,182 $ 2,250 $ 7,038 $ 2,101,664 Restructured Loans An explanation of what constitutes a “restructured loan,” and management’s analysis in determining whether to restructure a loan, are described above in Note 3, “Non Purchased Loans.” The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Real estate – 1-4 family mortgage: Primary 2 44 44 Total real estate – 1-4 family mortgage 2 44 44 Real estate – commercial mortgage: Owner-occupied 4 3,104 2,844 Total real estate – commercial mortgage 4 3,104 2,844 Total 6 $ 3,148 $ 2,888 Three months ended September 30, 2019 Commercial, financial, agricultural 1 $ 258 $ 258 Real estate – 1-4 family mortgage 1 34 34 Total 2 $ 292 $ 292 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 1 $ 1,029 $ 1,031 Real estate – 1-4 family mortgage: Primary 4 334 227 Home equity 1 159 162 Total real estate – 1-4 family mortgage 5 493 389 Real estate – commercial mortgage: Owner-occupied 5 3,173 2,913 Non-owner occupied 1 542 544 Total real estate – commercial mortgage 6 3,715 3,457 Installment loans to individuals 1 25 19 Total 13 $ 5,262 $ 4,896 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 2,778 $ 2,778 Real estate – 1-4 family mortgage 1 34 34 Real estate – commercial mortgage 1 80 76 Total 4 $ 2,892 $ 2,888 With respect to loans that were restructured during the nine months ended September 30, 2020 and September 30, 2019, none have subsequently defaulted and remain outstanding as of the date of this report. There was one restructured loan in the amount of $40 contractually 90 days past due or more and still accruing at September 30, 2020 and two restructured loans in the aggregate amount of $272 contractually 90 days past due or more and still accruing at September 30, 2019. The outstanding balance of restructured loans on nonaccrual status was $7,775 and $707 at September 30, 2020 and September 30, 2019, respectively. Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 54 $ 7,275 Additional advances or loans with concessions 13 5,159 Reclassified as performing restructured loan 1 74 Reductions due to: Reclassified to nonperforming loans (13) (2,489) Paid in full (2) (422) Charge-offs (1) (3) Principal paydowns — (444) Totals at September 30, 2020 52 $ 9,150 The allowance for credit losses attributable to restructured loans was $491 and $91 at September 30, 2020 and September 30, 2019, respectively. The Company had $539 and $5 in remaining availability under commitments to lend additional funds on these restructured loans at September 30, 2020 and September 30, 2019, respectively. As discussed in Note 3, “Non Purchased Loans,” the Company implemented a loan deferral program in response to the COVID-19 pandemic. As of September 30, 2020, the Company had 465 loans with total balances of approximately $124,000 on deferral. Under the applicable guidance, none of these loans were considered “restructured loans.” Credit Quality A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above in Note 3, “Non Purchased Loans.” The following table presents the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ 727 $ 36,120 $ 33,922 $ 29,041 $ 25,136 $ 65,214 $ 1,712 $ 191,872 Pass — 727 23,006 25,516 22,081 20,778 55,670 628 148,406 Pass-Watch — — 10 1,270 1,499 584 676 — 4,039 Substandard — — 13,104 7,136 5,461 3,774 8,868 1,084 39,427 Real Estate - Construction $ — $ — $ 10,887 $ 9,268 $ 14,091 $ — $ — $ — $ 34,246 Residential $ — $ — $ 2,203 $ 207 $ 683 $ — $ — $ — $ 3,093 Pass — — 2,203 207 683 — — — 3,093 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Commercial $ — $ — $ 8,684 $ 9,061 $ 13,408 $ — $ — $ — $ 31,153 Pass — — 8,684 9,061 13,408 — — — 31,153 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ — $ 14,029 $ 9,639 $ 2,012 $ 40,034 $ 2,653 $ 253 $ 68,620 Primary $ — $ — $ 7,734 $ 5,163 $ 611 $ 17,809 $ 249 $ — $ 31,566 Pass — — 6,438 5,163 604 12,904 249 — 25,358 Pass-Watch — — — — — 314 — — 314 Substandard — — 1,296 — 7 4,591 — — 5,894 Home Equity $ — $ — $ — $ — $ — $ — $ 943 $ 253 $ 1,196 Pass — — — — — — 221 — 221 Pass-Watch — — — — — — — — — Substandard — — — — — — 722 253 975 Rental/Investment $ — $ — $ — $ 1,904 $ 316 $ 19,013 $ — $ — $ 21,233 Pass — — — 1,904 316 16,511 — — 18,731 Pass-Watch — — — — — 201 — — 201 Substandard — — — — — 2,301 — — 2,301 Land Development $ — $ — $ 6,295 $ 2,572 $ 1,085 $ 3,212 $ 1,461 $ — $ 14,625 Pass — — 6,295 2,549 1,085 1,842 1,461 — 13,232 Pass-Watch — — — — — — — — — Substandard — — — 23 — 1,370 — — 1,393 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Real Estate - Commercial Mortgage $ — $ — $ 77,627 $ 158,074 $ 180,313 $ 482,175 $ 21,918 $ 4,684 $ 924,791 Owner-Occupied $ — $ — $ 14,819 $ 34,515 $ 63,851 $ 204,177 $ 15,144 $ 2 $ 332,508 Pass — — 12,732 31,558 44,681 157,159 4,987 — 251,117 Pass-Watch — — 2,087 1,615 11,202 24,427 — — 39,331 Substandard — — — 1,342 7,968 22,591 10,157 2 42,060 Non-Owner Occupied $ — $ — $ 56,269 $ 119,256 $ 113,496 $ 264,440 $ 6,596 $ 4,682 $ 564,739 Pass — — 31,398 87,363 69,930 219,100 6,596 — 414,387 Pass-Watch — — 8,504 24,215 30,691 33,749 — 4,682 101,841 Substandard — — 16,367 7,678 12,875 11,591 — — 48,511 Land Development $ — $ — $ 6,539 $ 4,303 $ 2,966 $ 13,558 $ 178 $ — $ 27,544 Pass — — 5,665 4,249 2,785 6,000 66 — 18,765 Pass-Watch — — 874 54 44 6,141 112 — 7,225 Substandard — — — — 137 1,417 — — 1,554 Total loans subject to risk rating $ — $ 727 $ 138,663 $ 210,903 $ 225,457 $ 547,346 $ 89,785 $ 6,649 $ 1,219,530 Pass — 727 96,421 167,570 155,573 434,295 69,250 628 924,464 Pass-Watch — — 11,475 27,154 43,436 65,416 788 4,682 152,951 Substandard — — 30,767 16,179 26,448 47,635 19,747 1,339 142,115 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating by origination date: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ — $ 491 $ 355 $ 330 $ 2,846 $ 6,825 $ 49 $ 10,896 Performing Loans — — 491 355 330 2,846 6,825 49 10,896 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential $ — $ — $ — $ — $ — $ — $ — $ — $ — Performing Loans — — — — — — — — — Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ 375 $ 3,264 $ 43,061 $ 32,608 $ 156,497 $ 84,500 $ 2,177 $ 322,482 Primary $ — $ 250 $ 2,029 $ 38,366 $ 30,249 $ 142,336 $ 461 $ 112 $ 213,803 Performing Loans — 250 1,918 37,605 30,227 137,837 461 26 208,324 Non-Performing Loans — — 111 761 22 4,499 — 86 5,479 Home Equity $ — $ — $ 744 $ 4,472 $ 1,799 $ 1,040 $ 83,919 $ 2,065 $ 94,039 Performing Loans — — 744 4,472 1,799 973 83,274 1,640 92,902 Non-Performing Loans — — — — — 67 645 425 1,137 Rental/Investment $ — $ 125 $ — $ 150 $ 203 $ 11,736 $ 120 $ — $ 12,334 Performing Loans — 125 — 150 203 11,632 120 — 12,230 Non-Performing Loans — — — — — 104 — — 104 Land Development $ — $ — $ 491 $ 73 $ 357 $ 1,385 $ — $ — $ 2,306 Performing Loans — — 491 30 118 1,385 — — 2,024 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Non-Performing Loans — — — 43 239 — — — 282 Real Estate - Commercial Mortgage $ — $ 339 $ 620 $ 1,339 $ 998 $ 36,416 $ 1,864 $ — $ 41,576 Owner-Occupied $ — $ — $ — $ 955 $ 670 $ 20,457 $ 1,404 $ — $ 23,486 Performing Loans — — — 955 670 20,175 1,404 — 23,204 Non-Performing Loans — — — — — 282 — — 282 Non-Owner Occupied $ — $ 339 $ 463 $ 50 $ 67 $ 11,854 $ 167 $ — $ 12,940 Performing Loans — 339 463 50 67 11,656

Purchased Loans

Purchased Loans	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Purchased Loans	Non Purchased Loans (In Thousands, Except Number of Loans) For purposes of this Note 3, all references to “loans” mean non purchased loans excluding loans held for sale. The following is a summary of non purchased loans and leases as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,445,294 $ 1,052,353 Lease financing 87,257 85,700 Real estate – construction: Residential 261,432 272,643 Commercial 477,441 502,258 Total real estate – construction 738,873 774,901 Real estate – 1-4 family mortgage: Primary 1,517,528 1,449,219 Home equity 442,380 456,265 Rental/investment 272,811 291,931 Land development 136,573 152,711 Total real estate – 1-4 family mortgage 2,369,292 2,350,126 Real estate – commercial mortgage: Owner-occupied 1,316,408 1,209,204 Non-owner occupied 2,176,562 1,803,587 Land development 117,672 116,085 Total real estate – commercial mortgage 3,610,642 3,128,876 Installment loans to individuals 177,195 199,843 Gross loans 9,428,553 7,591,799 Unearned income (4,329) (3,825) Loans, net of unearned income $ 9,424,224 $ 7,587,974 Past Due and Nonaccrual Loans Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Generally, the recognition of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Consumer and other retail loans are typically charged-off no later than the time the loan is 120 days past due. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due. All interest accrued for the current year, but not collected, for loans that are placed on nonaccrual status or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Company recognized $189 in interest income on nonaccrual loans during the first nine months of 2020. The following table provides an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 876 $ 288 $ 2,439,040 $ 2,440,204 $ 650 $ 2,666 $ 1,774 $ 5,090 $ 2,445,294 Lease financing — — 87,257 87,257 — — — — 87,257 Real estate – construction: Residential 988 — 260,444 261,432 — — — — 261,432 Commercial — — 477,441 477,441 — — — — 477,441 Total real estate – construction 988 — 737,885 738,873 — — — — 738,873 Real estate – 1-4 family mortgage: Primary 1,795 1,098 1,505,737 1,508,630 347 3,031 5,520 8,898 1,517,528 Home equity 1,001 16 440,820 441,837 — 92 451 543 442,380 Rental/investment 1,334 207 270,995 272,536 7 178 90 275 272,811 Land development 60 — 136,468 136,528 — 12 33 45 136,573 Total real estate – 1-4 family mortgage 4,190 1,321 2,354,020 2,359,531 354 3,313 6,094 9,761 2,369,292 Real estate – commercial mortgage: Owner-occupied 1,034 1 1,312,024 1,313,059 178 2,895 276 3,349 1,316,408 Non-owner occupied 1,986 — 2,174,154 2,176,140 58 309 55 422 2,176,562 Land development 257 43 117,287 117,587 — 39 46 85 117,672 Total real estate – commercial mortgage 3,277 44 3,603,465 3,606,786 236 3,243 377 3,856 3,610,642 Installment loans to individuals 923 173 175,975 177,071 6 84 34 124 177,195 Unearned income — — (4,329) (4,329) — — — — (4,329) Loans, net of unearned income $ 10,254 $ 1,826 $ 9,393,313 $ 9,405,393 $ 1,246 $ 9,306 $ 8,279 $ 18,831 $ 9,424,224 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 605 $ 476 $ 1,045,802 $ 1,046,883 $ 387 $ 5,023 $ 60 $ 5,470 $ 1,052,353 Lease financing — — 85,474 85,474 — 226 — 226 85,700 Real estate – construction 794 — 774,107 774,901 — — — — 774,901 Real estate – 1-4 family mortgage 18,020 2,502 2,320,328 2,340,850 623 6,571 2,082 9,276 2,350,126 Real estate – commercial mortgage 2,362 276 3,119,785 3,122,423 372 4,655 1,426 6,453 3,128,876 Installment loans to individuals 1,000 204 198,555 199,759 — 17 67 84 199,843 Unearned income — — (3,825) (3,825) — — — — (3,825) Total loans, net $ 22,781 $ 3,458 $ 7,540,226 $ 7,566,465 $ 1,382 $ 16,492 $ 3,635 $ 21,509 $ 7,587,974 Restructured Loans Restructured loans are those for which concessions have been granted to the borrower due to a deterioration of the borrower’s financial condition and which are performing in accordance with the new terms. Such concessions may include reduction in interest rates or deferral of interest or principal payments. In evaluating whether to restructure a loan, management analyzes the long-term financial condition of the borrower, including guarantor and collateral support, to determine whether the proposed concessions will increase the likelihood of repayment of principal and interest. The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Commercial, financial, agricultural 1 $ 31 $ 31 Real estate – 1-4 family mortgage: Primary 2 201 200 Rental/investment 1 33 32 Total real estate – 1-4 family mortgage 3 234 232 Real estate – commercial mortgage: Owner-occupied 2 357 357 Non-owner occupied 2 210 210 Total real estate – commercial mortgage 4 567 567 Total 8 $ 832 $ 830 Three months ended September 30, 2019 Real estate – 1-4 family mortgage 1 $ 16 $ 16 Total 1 $ 16 $ 16 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 7 $ 1,862 $ 1,859 Real estate – 1-4 family mortgage: Primary 17 2,356 2,363 Rental/investment 2 142 142 Total real estate – 1-4 family mortgage 19 2,498 2,505 Real estate – commercial mortgage: Owner-occupied 3 3,019 2,970 Non-owner occupied 2 210 210 Land development 1 189 189 Total real estate – commercial mortgage 6 3,418 3,369 Installment loans to individuals 2 24 21 Total 34 $ 7,802 $ 7,754 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 187 $ 185 Real estate – 1-4 family mortgage 4 321 320 Total 6 $ 508 $ 505 With respect to loans that were restructured during the nine months ended September 30, 2020, $420 have subsequently defaulted as of the date of this report. With respect to loans that were restructured during the nine months ended September 30, 2019, $61 subsequently defaulted within twelve months of restructuring. Restructured loans not performing in accordance with their restructured terms that are either contractually 90 days or more past due or placed on nonaccrual status are reported as nonperforming loans. There was one restructured loan in the amount of $92 contractually 90 days past due or more and still accruing at September 30, 2020 and one restructured loan in the amount of $40 contractually 90 days past due or more and still accruing at September 30, 2019. The outstanding balance of restructured loans on nonaccrual status was $3,703 and $3,101 at September 30, 2020 and September 30, 2019, respectively. Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 46 $ 4,679 Additional advances or loans with concessions 34 7,787 Reclassified as performing restructured loan 3 354 Reductions due to: Reclassified as nonperforming (2) (510) Paid in full (4) (938) Principal paydowns — (200) Totals at September 30, 2020 77 $ 11,172 The allowance for credit losses attributable to restructured loans was $279 and $30 at September 30, 2020 and September 30, 2019, respectively. The Company had no remaining availability under commitments to lend additional funds on these restructured loans at September 30, 2020 and $1 at September 30, 2019. In response to the current economic environment caused by the COVID-19 pandemic, the Company implemented a loan deferral program in the first quarter of 2020 to provide temporary payment relief to both consumer and commercial customers. Any customer current on loan payments, taxes and insurance can qualify for an initial 90-day deferral of principal and interest payments. A second 90-day deferral has been made available to borrowers that remained current on taxes and insurance through the first deferral period and also satisfy underwriting standards established by the Company that analyze the ability of the borrower to service its loan in accordance with its existing terms in light of the impact of the COVID-19 pandemic on the borrower, its industry and the markets in which it operates. The Company’s loan deferral program complies with the guidance set forth in the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act and related guidance from the FDIC and other banking regulators. As of September 30, 2020, the Company had 804 loans with total balances of approximately $373,000 on deferral. In accordance with the applicable guidance, none of these loans were considered “restructured loans.” Credit Quality For commercial and commercial real estate loans, internal risk-rating grades are assigned by lending, credit administration and loan review personnel, based on an analysis of the financial and collateral strength and other credit attributes underlying each loan. Management analyzes the resulting ratings, as well as other external statistics and factors such as delinquency, to track the migration performance of the portfolio balances of these loans. Loan grades range between 1 and 9, with 1 rated loans having the least credit risk. Loans within the “Pass” grade generally have a lower risk of loss and therefore a lower risk factor applied to the loan balances. The “Pass” grade is reserved for loans with a risk rating between 1 and 4A, and the “Pass-Watch” grade (those with a risk rating of 4B and 4E) is utilized on a temporary basis for “Pass” grade loans where a significant adverse risk-modifying action is anticipated in the near term. Loans that migrate toward the “Substandard” grade (those with a risk rating between 5 and 9) generally have a higher risk of loss and therefore a higher risk factor applied to the related loan balances. During the first quarter of 2020, the Company proactively downgraded to “Pass-Watch” certain “Pass” rated loans greater than $1,000 in industries the Company believed posed a greater risk in the current pandemic environment (at the time of the downgrade, borrowers in the hotel/motel, restaurant and entertainment industries). Note 5, “Allowance for Credit Losses,” provides additional information about the Company's heightened monitoring efforts. The following table presents the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 1,496,869 $ 208,462 $ 82,029 $ 55,271 $ 21,981 $ 25,284 $ 249,974 $ 12,539 $ 2,152,409 Pass 1,490,637 184,292 77,209 47,560 17,411 23,379 234,139 10,846 2,085,473 Pass-Watch 5,841 23,483 3,318 6,056 4,177 178 11,352 796 55,201 Substandard 391 687 1,502 1,655 393 1,727 4,483 897 11,735 Real Estate - Construction $ 292,840 $ 277,380 $ 60,321 $ 27,528 $ — $ — $ 14,687 $ 145 $ 672,901 Residential $ 144,193 $ 37,303 $ 2,805 $ — $ — $ — $ 14,175 $ 145 $ 198,621 Pass 143,398 37,239 2,805 — — — 14,175 145 197,762 Pass-Watch 795 — — — — — — — 795 Substandard — 64 — — — — — — 64 Commercial $ 148,647 $ 240,077 $ 57,516 $ 27,528 $ — $ — $ 512 $ — $ 474,280 Pass 143,920 222,291 57,516 27,528 — — 512 — 451,767 Pass-Watch 4,727 17,786 — — — — — — 22,513 Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 93,050 $ 90,316 $ 54,193 $ 35,024 $ 15,897 $ 11,028 $ 16,565 $ 2,411 $ 318,484 Primary $ 7,847 $ 7,610 $ 7,659 $ 5,548 $ 427 $ 2,099 $ 416 $ — $ 31,606 Pass 7,847 7,328 7,659 5,548 427 2,083 416 — 31,308 Pass-Watch — 162 — — — — — — 162 Substandard — 120 — — — 16 — — 136 Home Equity $ 97 $ 565 $ — $ — $ — $ — $ 10,563 $ — $ 11,225 Pass 97 565 — — — — 10,438 — 11,100 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Pass-Watch — — — — — — 125 — 125 Substandard — — — — — — — — — Rental/Investment $ 37,906 $ 38,376 $ 32,752 $ 29,097 $ 15,247 $ 8,516 $ 1,260 $ 570 $ 163,724 Pass 35,900 36,978 31,584 27,640 15,142 7,714 1,169 570 156,697 Pass-Watch 1,816 456 434 1,390 — 603 91 — 4,790 Substandard 190 942 734 67 105 199 — — 2,237 Land Development $ 47,200 $ 43,765 $ 13,782 $ 379 $ 223 $ 413 $ 4,326 $ 1,841 $ 111,929 Pass 47,200 43,125 13,782 379 217 375 4,322 1,841 111,241 Pass-Watch — — — — — 38 4 — 42 Substandard — 640 — — 6 — — — 646 Real Estate - Commercial Mortgage $ 674,040 $ 853,569 $ 495,652 $ 448,059 $ 387,416 $ 329,400 $ 79,338 $ 18,350 $ 3,285,824 Owner-Occupied $ 187,846 $ 272,468 $ 208,303 $ 186,479 $ 125,496 $ 101,549 $ 23,588 $ 5,804 $ 1,111,533 Pass 174,500 261,499 175,671 159,656 99,871 86,635 18,854 5,804 982,490 Pass-Watch 13,311 10,202 27,468 22,250 22,470 13,178 3,126 — 112,005 Substandard 35 767 5,164 4,573 3,155 1,736 1,608 — 17,038 Non-Owner Occupied $ 462,691 $ 555,163 $ 273,430 $ 256,342 $ 256,794 $ 223,031 $ 52,887 $ 12,546 $ 2,092,884 Pass 428,272 502,778 235,155 171,441 190,683 164,334 46,252 12,427 1,751,342 Pass-Watch 32,584 50,069 38,275 83,315 52,461 57,785 6,635 119 321,243 Substandard 1,835 2,316 — 1,586 13,650 912 — — 20,299 Land Development $ 23,503 $ 25,938 $ 13,919 $ 5,238 $ 5,126 $ 4,820 $ 2,863 $ — $ 81,407 Pass 21,084 25,070 12,617 5,165 3,539 4,820 2,863 — 75,158 Pass-Watch 263 868 1,302 73 — — — — 2,506 Substandard 2,156 — — — 1,587 — — — 3,743 Installment loans to individuals $ 25 $ 5 $ — $ — $ — $ — $ — $ 20 $ 50 Pass 25 5 — — — — — 20 50 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Total loans subject to risk rating $ 2,556,824 $ 1,429,732 $ 692,195 $ 565,882 $ 425,294 $ 365,712 $ 360,564 $ 33,465 $ 6,429,668 Pass 2,492,880 1,321,170 613,998 444,917 327,290 289,340 333,140 31,653 5,854,388 Pass-Watch 59,337 103,026 70,797 113,084 79,108 71,782 21,333 915 519,382 Substandard 4,607 5,536 7,400 7,881 18,896 4,590 6,091 897 55,898 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 26,726 $ 19,164 $ 12,105 $ 7,487 $ 3,440 $ 12,258 $ 211,383 $ 322 $ 292,885 Performing Loans 26,726 19,052 12,049 7,107 3,291 12,235 210,916 322 291,698 Non-Performing Loans — 112 56 380 149 23 467 — 1,187 Lease Financing Receivables $ 27,278 $ 27,274 $ 18,993 $ 5,056 $ 1,836 $ 2,491 $ — $ — $ 82,928 Performing Loans 27,278 27,274 18,993 5,056 1,836 2,491 — — 82,928 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ 37,614 $ 27,562 $ 295 $ 155 $ — $ — $ 346 $ — $ 65,972 Residential $ 36,288 $ 25,727 $ 295 $ 155 $ — $ — $ 346 $ — $ 62,811 Performing Loans 36,288 25,727 295 155 — — 346 — 62,811 Non-Performing Loans — — — — — — — — — Commercial $ 1,326 $ 1,835 $ — $ — $ — $ — $ — $ — $ 3,161 Performing Loans 1,326 1,835 — — — — — — 3,161 Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 378,741 $ 381,768 $ 298,572 $ 223,228 $ 116,088 $ 218,792 $ 430,273 $ 3,346 $ 2,050,808 Primary $ 342,912 $ 353,445 $ 274,097 $ 200,836 $ 101,959 $ 211,184 $ 1,443 $ 46 $ 1,485,922 Performing Loans 342,912 351,059 271,076 199,061 101,238 209,090 1,443 46 1,475,925 Non-Performing Loans — 2,386 3,021 1,775 721 2,094 — — 9,997 Home Equity $ — $ 205 $ 377 $ 179 $ 45 $ 965 $ 426,583 $ 2,801 $ 431,155 Performing Loans — 205 377 179 45 848 426,434 2,507 430,595 Non-Performing Loans — — — — — 117 149 294 560 Rental/Investment $ 24,840 $ 22,936 $ 20,378 $ 19,980 $ 12,950 $ 6,007 $ 1,497 $ 499 $ 109,087 Performing Loans 24,840 22,830 20,378 19,859 12,943 5,759 1,497 499 108,605 Non-Performing Loans — 106 — 121 7 248 — — 482 Land Development $ 10,989 $ 5,182 $ 3,720 $ 2,233 $ 1,134 $ 636 $ 750 $ — $ 24,644 Performing Loans 10,989 5,182 3,708 2,200 1,134 636 750 — 24,599 Non-Performing Loans — — 12 33 — — — — 45 Real Estate - Commercial Mortgage $ 62,694 $ 76,274 $ 61,617 $ 50,869 $ 39,150 $ 22,001 $ 11,674 $ 539 $ 324,818 Owner-Occupied $ 36,389 $ 47,042 $ 39,417 $ 33,561 $ 26,849 $ 15,425 $ 5,876 $ 316 $ 204,875 Performing Loans 36,389 47,042 39,203 33,382 26,758 14,956 5,876 316 203,922 Non-Performing Loans — — 214 179 91 469 — — 953 Non-Owner Occupied $ 16,848 $ 19,873 $ 16,290 $ 14,117 $ 8,288 $ 5,011 $ 3,103 $ 148 $ 83,678 Performing Loans 16,848 19,873 16,232 14,117 8,288 4,956 3,103 148 83,565 Non-Performing Loans — — 58 — — 55 — — 113 Land Development $ 9,457 $ 9,359 $ 5,910 $ 3,191 $ 4,013 $ 1,565 $ 2,695 $ 75 $ 36,265 Performing Loans 9,457 9,359 5,910 3,181 4,013 1,522 2,695 75 36,212 Non-Performing Loans — — — 10 — 43 — — 53 Installment loans to individuals $ 59,631 $ 81,611 $ 15,836 $ 4,842 $ 2,856 $ 1,915 $ 10,363 $ 91 $ 177,145 Performing Loans 59,621 81,507 15,730 4,821 2,804 1,914 10,360 91 176,848 Non-Performing Loans 10 104 106 21 52 1 3 — 297 Total loans not subject to risk rating $ 592,684 $ 613,653 $ 407,418 $ 291,637 $ 163,370 $ 257,457 $ 664,039 $ 4,298 $ 2,994,556 Performing Loans 592,674 610,945 403,951 289,118 162,350 254,407 663,420 4,004 2,980,869 Non-Performing Loans 10 2,708 3,467 2,519 1,020 3,050 619 294 13,687 The following disclosures are presented under GAAP in effect prior to the adoption of CECL. The Company has included these disclosures to address the applicable prior period. A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above and is applicable to these tables. The following table presents the Company’s loan portfolio by internal risk-rating grades as of the date presented: Pass Pass-Watch Substandard Total December 31, 2019 Commercial, financial, agricultural $ 779,798 $ 11,949 $ 11,715 $ 803,462 Real estate – construction 698,950 501 9,209 708,660 Real estate – 1-4 family mortgage 339,079 3,856 3,572 346,507 Real estate – commercial mortgage 2,737,629 31,867 26,711 2,796,207 Installment loans to individuals 6 — — 6 Total $ 4,555,462 $ 48,173 $ 51,207 $ 4,654,842 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the date presented: Performing Non- Total December 31, 2019 Commercial, financial, agricultural $ 247,575 $ 1,316 $ 248,891 Lease financing 81,649 226 81,875 Real estate – construction 66,241 — 66,241 Real estate – 1-4 family mortgage 1,992,331 11,288 2,003,619 Real estate – commercial mortgage 330,714 1,955 332,669 Installment loans to individuals 199,549 288 199,837 Total $ 2,918,059 $ 15,073 $ 2,933,132 The following disclosures are presented under GAAP in effect prior to the adoption of CECL that are no longer applicable or required. The Company has included these disclosures to address the applicable prior periods. Impaired Loans Loans formerly accounted for under FASB ASC 310-20, “Nonrefundable Fees and Other Cost” (“ASC 310-20”), and which are impaired loans recognized in conformity with ASC 310, “Receivables” (“ASC 310”), segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 6,623 $ 5,722 $ — $ 5,722 $ 1,222 Lease financing 226 226 — 226 3 Real estate – construction 9,145 — 9,145 9,145 — Real estate – 1-4 family mortgage 14,018 13,689 — 13,689 143 Real estate – commercial mortgage 11,067 7,361 1,080 8,441 390 Installment loans to individuals 91 84 — 84 1 Totals $ 41,170 $ 27,082 $ 10,225 $ 37,307 $ 1,759 The following table presents the average recorded investment and interest income recognized on loans formerly accounted for under ASC 310-20 and which are impaired loans for the periods presented: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Interest Average Interest Commercial, financial, agricultural $ 5,705 $ 5 $ 5,656 $ 23 Lease financing — — — — Real estate – construction 12,128 111 11,756 321 Real estate – 1-4 family mortgage 12,203 50 12,323 153 Real estate – commercial mortgage 10,692 41 10,652 122 Installment loans to individuals 130 — 130 1 Total $ 40,858 $ 207 $ 40,517 $ 620 (In Thousands, Except Number of Loans) For purposes of this Note 4, all references to “loans” mean purchased loans excluding loans held for sale. The following is a summary of purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 202,768 $ 315,619 Real estate – construction: Residential 3,093 16,407 Commercial 31,153 35,175 Total real estate – construction 34,246 51,582 Real estate – 1-4 family mortgage: Primary 245,369 332,729 Home equity 95,235 117,275 Rental/investment 33,567 43,169 Land development 16,931 23,314 Total real estate – 1-4 family mortgage 391,102 516,487 Real estate – commercial mortgage: Owner-occupied 355,994 428,077 Non-owner occupied 577,679 647,308 Land development 32,694 40,004 Total real estate – commercial mortgage 966,367 1,115,389 Installment loans to individuals 66,031 102,587 Loans $ 1,660,514 $ 2,101,664 Past Due and Nonaccrual Loans The Company’s policies with respect to placing loans on nonaccrual status or charging off loans, and its accounting for interest on any such loans, are described above in Note 3, “Non Purchased Loans.” The Company recognized $214 in interest income on nonaccrual loans during the first nine months of 2020. The following tables provide an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 1,056 $ 36 $ 189,668 $ 190,760 $ 1,655 $ 6,233 $ 4,120 $ 12,008 $ 202,768 Real estate – construction: Residential — — 3,093 3,093 — — — — 3,093 Commercial — — 31,153 31,153 — — — — 31,153 Total real estate – construction — — 34,246 34,246 — — — — 34,246 Real estate – 1-4 family mortgage: Primary 845 64 238,937 239,846 329 2,794 2,400 5,523 245,369 Home equity 839 114 93,006 93,959 — 629 647 1,276 95,235 Rental/investment 356 — 32,409 32,765 — 708 94 802 33,567 Land development — — 16,581 16,581 — 29 321 350 16,931 Total real estate – 1-4 family mortgage 2,040 178 380,933 383,151 329 4,160 3,462 7,951 391,102 Real estate – commercial mortgage: Owner-occupied 851 — 351,688 352,539 505 891 2,059 3,455 355,994 Non-owner occupied 438 54 576,462 576,954 144 571 10 725 577,679 Land development 161 — 32,142 32,303 — 164 227 391 32,694 Total real estate – commercial mortgage 1,450 54 960,292 961,796 649 1,626 2,296 4,571 966,367 Installment loans to individuals 1,844 50 63,846 65,740 9 123 159 291 66,031 Loans, net of unearned income $ 6,390 $ 318 $ 1,628,985 $ 1,635,693 $ 2,642 $ 12,142 $ 10,037 $ 24,821 $ 1,660,514 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 1,889 $ 998 $ 311,218 $ 314,105 $ — $ 1,246 $ 268 $ 1,514 $ 315,619 Real estate – construction 319 — 51,263 51,582 — — — — 51,582 Real estate – 1-4 family mortgage 5,516 2,244 503,826 511,586 605 2,762 1,534 4,901 516,487 Real estate – commercial mortgage 3,454 922 1,110,570 1,114,946 — 123 320 443 1,115,389 Installment loans to individuals 3,709 153 98,545 102,407 1 51 128 180 102,587 Total Loans, net $ 14,887 $ 4,317 $ 2,075,422 $ 2,094,626 $ 606 $ 4,182 $ 2,250 $ 7,038 $ 2,101,664 Restructured Loans An explanation of what constitutes a “restructured loan,” and management’s analysis in determining whether to restructure a loan, are described above in Note 3, “Non Purchased Loans.” The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Real estate – 1-4 family mortgage: Primary 2 44 44 Total real estate – 1-4 family mortgage 2 44 44 Real estate – commercial mortgage: Owner-occupied 4 3,104 2,844 Total real estate – commercial mortgage 4 3,104 2,844 Total 6 $ 3,148 $ 2,888 Three months ended September 30, 2019 Commercial, financial, agricultural 1 $ 258 $ 258 Real estate – 1-4 family mortgage 1 34 34 Total 2 $ 292 $ 292 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 1 $ 1,029 $ 1,031 Real estate – 1-4 family mortgage: Primary 4 334 227 Home equity 1 159 162 Total real estate – 1-4 family mortgage 5 493 389 Real estate – commercial mortgage: Owner-occupied 5 3,173 2,913 Non-owner occupied 1 542 544 Total real estate – commercial mortgage 6 3,715 3,457 Installment loans to individuals 1 25 19 Total 13 $ 5,262 $ 4,896 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 2,778 $ 2,778 Real estate – 1-4 family mortgage 1 34 34 Real estate – commercial mortgage 1 80 76 Total 4 $ 2,892 $ 2,888 With respect to loans that were restructured during the nine months ended September 30, 2020 and September 30, 2019, none have subsequently defaulted and remain outstanding as of the date of this report. There was one restructured loan in the amount of $40 contractually 90 days past due or more and still accruing at September 30, 2020 and two restructured loans in the aggregate amount of $272 contractually 90 days past due or more and still accruing at September 30, 2019. The outstanding balance of restructured loans on nonaccrual status was $7,775 and $707 at September 30, 2020 and September 30, 2019, respectively. Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 54 $ 7,275 Additional advances or loans with concessions 13 5,159 Reclassified as performing restructured loan 1 74 Reductions due to: Reclassified to nonperforming loans (13) (2,489) Paid in full (2) (422) Charge-offs (1) (3) Principal paydowns — (444) Totals at September 30, 2020 52 $ 9,150 The allowance for credit losses attributable to restructured loans was $491 and $91 at September 30, 2020 and September 30, 2019, respectively. The Company had $539 and $5 in remaining availability under commitments to lend additional funds on these restructured loans at September 30, 2020 and September 30, 2019, respectively. As discussed in Note 3, “Non Purchased Loans,” the Company implemented a loan deferral program in response to the COVID-19 pandemic. As of September 30, 2020, the Company had 465 loans with total balances of approximately $124,000 on deferral. Under the applicable guidance, none of these loans were considered “restructured loans.” Credit Quality A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above in Note 3, “Non Purchased Loans.” The following table presents the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ 727 $ 36,120 $ 33,922 $ 29,041 $ 25,136 $ 65,214 $ 1,712 $ 191,872 Pass — 727 23,006 25,516 22,081 20,778 55,670 628 148,406 Pass-Watch — — 10 1,270 1,499 584 676 — 4,039 Substandard — — 13,104 7,136 5,461 3,774 8,868 1,084 39,427 Real Estate - Construction $ — $ — $ 10,887 $ 9,268 $ 14,091 $ — $ — $ — $ 34,246 Residential $ — $ — $ 2,203 $ 207 $ 683 $ — $ — $ — $ 3,093 Pass — — 2,203 207 683 — — — 3,093 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Commercial $ — $ — $ 8,684 $ 9,061 $ 13,408 $ — $ — $ — $ 31,153 Pass — — 8,684 9,061 13,408 — — — 31,153 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ — $ 14,029 $ 9,639 $ 2,012 $ 40,034 $ 2,653 $ 253 $ 68,620 Primary $ — $ — $ 7,734 $ 5,163 $ 611 $ 17,809 $ 249 $ — $ 31,566 Pass — — 6,438 5,163 604 12,904 249 — 25,358 Pass-Watch — — — — — 314 — — 314 Substandard — — 1,296 — 7 4,591 — — 5,894 Home Equity $ — $ — $ — $ — $ — $ — $ 943 $ 253 $ 1,196 Pass — — — — — — 221 — 221 Pass-Watch — — — — — — — — — Substandard — — — — — — 722 253 975 Rental/Investment $ — $ — $ — $ 1,904 $ 316 $ 19,013 $ — $ — $ 21,233 Pass — — — 1,904 316 16,511 — — 18,731 Pass-Watch — — — — — 201 — — 201 Substandard — — — — — 2,301 — — 2,301 Land Development $ — $ — $ 6,295 $ 2,572 $ 1,085 $ 3,212 $ 1,461 $ — $ 14,625 Pass — — 6,295 2,549 1,085 1,842 1,461 — 13,232 Pass-Watch — — — — — — — — — Substandard — — — 23 — 1,370 — — 1,393 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Real Estate - Commercial Mortgage $ — $ — $ 77,627 $ 158,074 $ 180,313 $ 482,175 $ 21,918 $ 4,684 $ 924,791 Owner-Occupied $ — $ — $ 14,819 $ 34,515 $ 63,851 $ 204,177 $ 15,144 $ 2 $ 332,508 Pass — — 12,732 31,558 44,681 157,159 4,987 — 251,117 Pass-Watch — — 2,087 1,615 11,202 24,427 — — 39,331 Substandard — — — 1,342 7,968 22,591 10,157 2 42,060 Non-Owner Occupied $ — $ — $ 56,269 $ 119,256 $ 113,496 $ 264,440 $ 6,596 $ 4,682 $ 564,739 Pass — — 31,398 87,363 69,930 219,100 6,596 — 414,387 Pass-Watch — — 8,504 24,215 30,691 33,749 — 4,682 101,841 Substandard — — 16,367 7,678 12,875 11,591 — — 48,511 Land Development $ — $ — $ 6,539 $ 4,303 $ 2,966 $ 13,558 $ 178 $ — $ 27,544 Pass — — 5,665 4,249 2,785 6,000 66 — 18,765 Pass-Watch — — 874 54 44 6,141 112 — 7,225 Substandard — — — — 137 1,417 — — 1,554 Total loans subject to risk rating $ — $ 727 $ 138,663 $ 210,903 $ 225,457 $ 547,346 $ 89,785 $ 6,649 $ 1,219,530 Pass — 727 96,421 167,570 155,573 434,295 69,250 628 924,464 Pass-Watch — — 11,475 27,154 43,436 65,416 788 4,682 152,951 Substandard — — 30,767 16,179 26,448 47,635 19,747 1,339 142,115 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating by origination date: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ — $ 491 $ 355 $ 330 $ 2,846 $ 6,825 $ 49 $ 10,896 Performing Loans — — 491 355 330 2,846 6,825 49 10,896 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential $ — $ — $ — $ — $ — $ — $ — $ — $ — Performing Loans — — — — — — — — — Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ 375 $ 3,264 $ 43,061 $ 32,608 $ 156,497 $ 84,500 $ 2,177 $ 322,482 Primary $ — $ 250 $ 2,029 $ 38,366 $ 30,249 $ 142,336 $ 461 $ 112 $ 213,803 Performing Loans — 250 1,918 37,605 30,227 137,837 461 26 208,324 Non-Performing Loans — — 111 761 22 4,499 — 86 5,479 Home Equity $ — $ — $ 744 $ 4,472 $ 1,799 $ 1,040 $ 83,919 $ 2,065 $ 94,039 Performing Loans — — 744 4,472 1,799 973 83,274 1,640 92,902 Non-Performing Loans — — — — — 67 645 425 1,137 Rental/Investment $ — $ 125 $ — $ 150 $ 203 $ 11,736 $ 120 $ — $ 12,334 Performing Loans — 125 — 150 203 11,632 120 — 12,230 Non-Performing Loans — — — — — 104 — — 104 Land Development $ — $ — $ 491 $ 73 $ 357 $ 1,385 $ — $ — $ 2,306 Performing Loans — — 491 30 118 1,385 — — 2,024 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Non-Performing Loans — — — 43 239 — — — 282 Real Estate - Commercial Mortgage $ — $ 339 $ 620 $ 1,339 $ 998 $ 36,416 $ 1,864 $ — $ 41,576 Owner-Occupied $ — $ — $ — $ 955 $ 670 $ 20,457 $ 1,404 $ — $ 23,486 Performing Loans — — — 955 670 20,175 1,404 — 23,204 Non-Performing Loans — — — — — 282 — — 282 Non-Owner Occupied $ — $ 339 $ 463 $ 50 $ 67 $ 11,854 $ 167 $ — $ 12,940 Performing Loans — 339 463 50 67 11,656

Allowance for Credit Losses

Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Allowance for Credit Losses	Allowance for Credit Losses (In Thousands) The following is a summary of total non purchased and purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,648,062 $ 1,367,972 Lease financing 87,257 85,700 Real estate – construction: Residential 264,525 289,050 Commercial 508,594 537,433 Total real estate – construction 773,119 826,483 Real estate – 1-4 family mortgage: Primary 1,762,897 1,781,948 Home equity 537,615 573,540 Rental/investment 306,378 335,100 Land development 153,504 176,025 Total real estate – 1-4 family mortgage 2,760,394 2,866,613 Real estate – commercial mortgage: Owner-occupied 1,672,402 1,637,281 Non-owner occupied 2,754,241 2,450,895 Land development 150,366 156,089 Total real estate – commercial mortgage 4,577,009 4,244,265 Installment loans to individuals 243,226 302,430 Gross loans 11,089,067 9,693,463 Unearned income (4,329) (3,825) Loans, net of unearned income 11,084,738 9,689,638 Allowance for credit losses on loans (168,098) (52,162) Net loans $ 10,916,640 $ 9,637,476 Allowance for Credit Losses on Loans The allowance for credit losses is an estimate of expected losses inherent within the Company’s loans held for investment portfolio and is maintained at a level believed adequate by management to absorb credit losses inherent in the entire loan portfolio. Management evaluates the adequacy of the allowance for credit losses on a quarterly basis. Expected credit loss inherent in non-cancellable off-balance-sheet credit exposures is accounted for as a separate liability in the Consolidated Balance Sheets. The allowance for credit losses for loans held for investment, as reported in the Company’s Consolidated Balance Sheets, is adjusted by a provision for credit losses, which is reported in earnings, and reduced by net charge-offs. Loan losses are charged against the allowance for credit losses when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The credit loss estimation process involves procedures to appropriately consider the unique characteristics of the Company’s loan portfolio segments. Credit quality is assessed and monitored by evaluating various attributes, and the results of those evaluations are utilized in underwriting new loans and in the Company’s process for the estimation of expected credit losses. Credit quality monitoring procedures and indicators can include an assessment of problem loans, the types of loans, historical loss experience, new lending products, emerging credit trends, changes in the size and character of loan categories and other factors, including the Company’s risk rating system, regulatory guidance and economic conditions, such as the unemployment rate and GDP growth in the markets in which the Company operates, as well as trends in the market values of underlying collateral securing loans, all as determined based on input from management, loan review staff and other sources. This evaluation is complex and inherently subjective, as it requires estimates by management that are inherently uncertain and therefore susceptible to significant revision as more information becomes available. In future periods, evaluations of the overall loan portfolio, in light of the factors and forecasts then prevailing, may result in significant changes in the allowance and provision for credit losses in those future periods. The methodology for estimating the amount of expected credit losses reported in the allowance for credit losses has two basic components: first, a collective or pooled component for estimating expected credit losses for pools of loans that share similar risk characteristics; and second, an asset-specific component involving individual loans that do not share risk characteristics with other loans and the measurement of expected credit losses for such individual loans. Loans Evaluated on a Collective (Pool) Basis The allowance for credit losses for loans that share similar risk characteristics with other loans is calculated on a collective or pool basis, where such loans are segregated into loan portfolio segments based upon similarity of credit risk. The Company’s primary loan portfolio segments are as follows: Commercial, Financial, and Agricultural (“Commercial”) - Commercial loans are customarily granted to established local business customers in the Company’s market area on a collateralized basis to meet their credit needs. Maturities are typically short term in nature and are commensurate with the secondary source of repayment that serves as the Company’s collateral. Although commercial loans may be collateralized by equipment or other business assets, the repayment of this type of loan depends primarily on the creditworthiness and projected cash flow of the borrower (and any guarantors). Thus, the chief considerations when assessing the risk of a commercial loan are the local business borrower’s ability to sell its products/services, thereby generating sufficient operating revenue to repay the Company under the agreed upon terms and conditions, and the general business conditions of the local economy or other market that the business serves. Real Estate - Construction - The Company’s construction loan portfolio consists of loans for the construction of single family residential properties, multi-family properties and commercial projects. Maturities for construction loans generally range from 9 to 12 months for residential properties and from 24 to 36 months for non-residential and multi-family properties. The source of repayment of a construction loan comes from the sale or lease of newly-constructed property, although often construction loans are repaid with the proceeds of a commercial real estate loan that the Company makes to the owner or lessor of the newly-constructed property. Real Estate - 1-4 Family Mortgage - This segment of the Company’s loan portfolio includes loans secured by first or second liens on residential real estate in which the property is the principal residence of the borrower, as well as loans secured by residential real estate in which the property is rented to tenants or is not the principal residence of the borrower; loans for the preparation of residential real property prior to construction are also included in this segment. Finally, this segment includes home equity loans or lines of credit and term loans secured by first and second mortgages on the residences of borrowers who elect to use the accumulated equity in their homes for purchases, refinances, home improvements, education and other personal expenditures. The Company attempts to minimize the risk associated with residential real estate loans by scrutinizing the financial condition of the borrower; typically, the maximum loan-to-value ratio is also limited. Real Estate - Commercial Mortgage - Included in this portfolio segment (referred to collectively as “commercial real estate loans”) are “owner-occupied” loans in which the owner develops a property with the intention of locating its business there. Payments on these loans are dependent on the successful development and management of the business as well as the borrower’s ability to generate sufficient operating revenue to repay the loan. In some instances, in addition to the mortgage on the underlying real estate of the business, the commercial real estate loans are secured by other non-real estate collateral, such as equipment or other assets used in the business. In addition to owner-occupied commercial real estate loans, the Company offers loans in which the owner develops a property where the source of repayment of the loan will come from the sale or lease of the developed property, for example, retail shopping centers, hotels, storage facilities, etc. These loans are referred to as “non-owner occupied” commercial real estate loans. The Company also offers commercial real estate loans to developers of commercial properties for purposes of site acquisition and preparation and other development prior to actual construction (referred to as “commercial land development loans”). Non-owner occupied commercial real estate loans and commercial land development loans are dependent on the successful completion of the project and may be affected by adverse conditions in the real estate market or the economy as a whole. Lease Financing - This segment of the Company’s loan portfolio includes loans granted to provide capital to businesses for commercial equipment needs. These loans are generally granted for periods ranging between two Installment Loans to Individuals - Installment loans to individuals (or “consumer loans”) are granted to individuals for the purchase of personal goods. Loss or decline of income by the borrower due to unplanned occurrences represents the primary risk of default to the Company. In the event of default, a shortfall in the value of the collateral may pose a loss in this loan category. Before granting a consumer loan, the Company assesses the applicant’s credit history and ability to meet existing and proposed debt obligations. Although the applicant’s creditworthiness is the primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, to the proposed loan amount. The Company obtains a lien against the collateral securing the loan and holds title until the loan is repaid in full. In determining the allowance for credit losses on loans evaluated on a collective basis, the Company categorizes loan pools based on loan type and/or risk rating. The Company uses two CECL models: (1) a loss rate model, based on average historical life-of-loan loss rates, is used for the Real Estate - 1-4 Family Mortgage, Real Estate - Construction and the Installment Loans to Individuals portfolio segments, and (2) for the Commercial, Real Estate - Commercial Mortgage and Lease Financing portfolio segments, the Company uses a probability of default/loss given default model, which calculates an expected loss percentage for each loan pool by considering (a) the probability of default, based on the migration of loans from performing (using risk ratings) to default using life-of-loan analysis periods, and (b) the historical severity of loss, based on the aggregate net lifetime losses incurred per loan pool. The historical loss rates calculated as described above are adjusted, as necessary, for both internal and external qualitative factors where there are differences in the historical loss data of the Company and current or projected future conditions. Internal factors include loss history, changes in credit quality (including movement between risk ratings) and/or credit concentration, the nature and volume of the respective loan portfolio segments, and changes in lending or loan review staffing. External factors include current and reasonable and supportable forecasted economic conditions, the competitive environment and changes in collateral values. These factors are used to adjust the historical loss rates (as described above) to ensure that they reflect management’s expectation of future conditions based on a reasonable and supportable forecast period. To the extent the lives of the loans in the portfolio extend beyond the period for which a reasonable and supportable forecast can be made, when necessary, the models immediately revert back to the historical loss rates adjusted for qualitative factors related to current conditions. Loans Evaluated on an Individual Basis For loans that do not share similar risk characteristics with other loans, an individual analysis is performed to determine the expected credit loss. If the respective loan is collateral dependent (that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral), the expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of collateral is initially based on external appraisals. Generally, collateral values for loans for which measurement of expected losses is dependent on the fair value of such collateral are updated every twelve months, either from external third parties or in-house certified appraisers. Third-party appraisals are obtained from a pre-approved list of independent, third-party, local appraisal firms. The fair value of the collateral derived from external appraisal is then adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral. Other acceptable methods for determining the expected credit losses for individually evaluated loans (typically used when the loan is not collateral dependent) is a discounted cash flow approach or, if applicable, an observable market price. Once the expected credit loss amount is determined, an allowance equal to such expected credit loss is included in the allowance for credit losses. The Company considers the loans in the Real Estate - Construction, Real Estate - 1-4 Family Mortgage and Real Estate - Commercial Mortgage loan segments disclosed as individually evaluated in the table below as collateral dependent with the type of collateral being real estate. The following table provides a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology for the periods presented: Commercial Real Estate - Real Estate - Real Estate - Lease Financing Installment Total Three Months Ended September 30, 2020 Allowance for credit losses: Beginning balance $ 30,685 $ 12,538 $ 29,401 $ 60,061 $ 1,812 $ 10,890 $ 145,387 Charge-offs (420) (136) (720) (553) (168) (1,579) (3,576) Recoveries 698 31 152 711 1 1,594 3,187 Net (charge-offs) recoveries 278 (105) (568) 158 (167) 15 (389) Provision for credit losses on loans 7,232 1,386 3,872 10,363 187 60 23,100 Ending balance $ 38,195 $ 13,819 $ 32,705 $ 70,582 $ 1,832 $ 10,965 $ 168,098 Nine Months Ended September 30, 2020 Allowance for credit losses: Beginning balance $ 10,658 $ 5,029 $ 9,814 $ 24,990 $ 910 $ 761 $ 52,162 Impact of the adoption of ASC 326 11,351 3,505 14,314 4,293 521 8,500 42,484 Charge-offs (1,969) (668) (1,083) (2,600) (168) (6,003) (12,491) Recoveries 996 31 288 2,451 11 5,816 9,593 Net (charge-offs) recoveries (973) (637) (795) (149) (157) (187) (2,898) Provision for credit losses on loans 17,159 5,922 9,372 41,448 558 1,891 76,350 Ending balance $ 38,195 $ 13,819 $ 32,705 $ 70,582 $ 1,832 $ 10,965 $ 168,098 Period-End Amount Allocated to: Individually evaluated $ 10,211 $ — $ 275 $ 380 $ — $ 270 $ 11,136 Collectively evaluated 27,984 13,819 32,430 70,202 1,832 10,695 156,962 Ending balance $ 38,195 $ 13,819 $ 32,705 $ 70,582 $ 1,832 $ 10,965 $ 168,098 Loans: Individually evaluated $ 17,670 $ — $ 4,718 $ 6,596 $ — $ 618 $ 29,602 Collectively evaluated 2,630,392 773,119 2,755,676 4,570,413 82,928 242,608 11,055,136 Ending balance $ 2,648,062 $ 773,119 $ 2,760,394 $ 4,577,009 $ 82,928 $ 243,226 $ 11,084,738 Nonaccruing loans with no allowance for credit losses $ 589 $ — $ 4,147 $ 3,644 $ — $ — $ 8,380 Upon adoption of ASC 326 on January 1, 2020, the allowance for credit losses on loans was increased by $42,484. The Company recorded a third quarter provision for credit losses on loans of $23,100 and has recorded $76,350 in total provision for credit losses on loans during the nine months ending September 30, 2020. The provision recorded during the current quarter and year-to-date period is primarily driven by the current and future economic uncertainty caused by the COVID-19 pandemic, including the current projections of a continued elevated national unemployment rate throughout 2020 and into 2021 and 2022 and forecasted negative to minimal GDP growth relative to pre-pandemic levels, and the increased likelihood of a more prolonged economic recovery period than previously expected. The Company also factored into its estimate the potential benefit and risk of the government programs implemented through the CARES Act and the internal loan deferral program offered to qualified customers. The Company utilized a two year reasonable and supportable forecast range during the current period. The Company continues its heightened monitoring efforts with respect to loans in certain industries the Company currently believes pose a greater risk in the current environment (i.e., hospitality and healthcare). In addition, the Company will continue to monitor the performance of all portfolios, the severity and duration of the pandemic and potential subsequent recovery of the economic environment. The following table provides a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology prior to the adoption of ASC 326 for the period presented: Commercial Real Estate - Real Estate - Real Estate - Installment and Other (1) Total Three Months Ended September 30, 2019 Allowance for credit losses: Beginning balance $ 9,534 $ 5,302 $ 9,616 $ 24,302 $ 1,305 $ 50,059 Charge-offs (757) — (268) (677) (3,263) (4,965) Recoveries 761 — 219 33 3,007 4,020 Net (charge-offs) recoveries 4 — (49) (644) (256) (945) Provision for credit losses on loans 750 (175) 282 381 462 1,700 Ending balance $ 10,288 $ 5,127 $ 9,849 $ 24,039 $ 1,511 $ 50,814 Nine Months Ended September 30, 2019 Allowance for credit losses: Beginning balance $ 8,269 $ 4,755 $ 10,139 $ 24,492 $ 1,371 $ 49,026 Charge-offs (1,709) — (1,143) (1,406) (3,695) (7,953) Recoveries 1,376 7 531 644 3,083 5,641 Net (charge-offs) recoveries (333) 7 (612) (762) (612) (2,312) Provision for credit losses on loans 2,352 365 322 309 752 4,100 Ending balance $ 10,288 $ 5,127 $ 9,849 $ 24,039 $ 1,511 $ 50,814 Period-End Amount Allocated to: Individually evaluated for impairment $ 1,382 $ 24 $ 186 $ 450 $ 3 $ 2,045 Collectively evaluated for impairment 8,778 5,103 9,313 21,521 1,506 46,221 Purchased with deteriorated credit quality 128 — 350 2,068 2 2,548 Ending balance $ 10,288 $ 5,127 $ 9,849 $ 24,039 $ 1,511 $ 50,814 (1) Includes lease financing receivables. The following table provides the recorded investment in loans, net of unearned income, based on the Company’s former impairment methodology prior to the adoption of ASC 326. Commercial Real Estate - Real Estate - Real Estate - Installment and Other (1) Total December 31, 2019 Individually evaluated for impairment $ 8,460 $ 12,416 $ 20,262 $ 9,550 $ 491 $ 51,179 Collectively evaluated for impairment 1,329,974 813,204 2,810,808 4,131,582 380,627 9,466,195 Purchased with deteriorated credit quality 29,538 863 35,543 103,133 3,187 172,264 Ending balance $ 1,367,972 $ 826,483 $ 2,866,613 $ 4,244,265 $ 384,305 $ 9,689,638 (1) Includes lease financing receivables. Allowance for Credit Losses on Unfunded Loan Commitments The Company maintains a separate allowance for credit losses on unfunded loan commitments, which is included in the “Other liabilities” line item on the Consolidated Balance Sheets. Management estimates the amount of expected losses on unfunded loan commitments by calculating a likelihood of funding over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the allowance for credit losses on loans methodology described above to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company. The following tables provide a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented. Three Months Ended September 30, 2020 Allowance for credit losses on unfunded loan commitments: Beginning balance $ 17,335 Provision for credit losses on unfunded loan commitments (included in other noninterest expense) 2,700 Ending balance $ 20,035 Nine Months Ended September 30, 2020 Allowance for credit losses on unfunded loan commitments: Beginning balance $ 946 Impact of the adoption of ASC 326 10,389 Provision for credit losses on unfunded loan commitments (included in other noninterest expense) 8,700 Ending balance $ 20,035

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2020
Real Estate [Abstract]
Other Real Estate Owned	Other Real Estate Owned (In Thousands) The following table provides details of the Company’s other real estate owned (“OREO”) purchased and non purchased, net of valuation allowances and direct write-downs, as of the dates presented: Purchased OREO Non Purchased OREO Total September 30, 2020 Residential real estate $ 754 $ 1,116 $ 1,870 Commercial real estate 1,605 798 2,403 Residential land development 345 1,324 1,669 Commercial land development 1,873 338 2,211 Total $ 4,577 $ 3,576 $ 8,153 December 31, 2019 Residential real estate $ 890 $ 415 $ 1,305 Commercial real estate 2,106 1,548 3,654 Residential land development 530 369 899 Commercial land development 1,722 430 2,152 Total $ 5,248 $ 2,762 $ 8,010 Changes in the Company’s purchased and non purchased OREO were as follows: Purchased Non Purchased OREO Total Balance at January 1, 2020 $ 5,248 $ 2,762 $ 8,010 Transfers of loans 3,486 4,401 7,887 Impairments (1,232) (415) (1,647) Dispositions (2,875) (3,172) (6,047) Other (50) — (50) Balance at September 30, 2020 $ 4,577 $ 3,576 $ 8,153 Components of the line item “Other real estate owned” in the Consolidated Statements of Income were as follows for the periods presented: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Repairs and maintenance $ 64 $ 94 $ 234 $ 306 Property taxes and insurance 35 43 186 169 Impairments 820 253 1,647 1,121 Net losses on OREO sales 117 31 27 91 Rental income (3) (3) (23) (13) Total $ 1,033 $ 418 $ 2,071 $ 1,674

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	9 Months Ended
	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets (In Thousands) The carrying amounts of goodwill by operating segments for the nine months ended September 30, 2020 were as follows: Community Banks Insurance Total Balance at January 1, 2020 $ 936,916 $ 2,767 $ 939,683 Addition to goodwill from acquisition — — — Balance at September 30, 2020 $ 936,916 $ 2,767 $ 939,683 The following table provides a summary of finite-lived intangible assets as of the dates presented: Gross Carrying Accumulated Net Carrying September 30, 2020 Core deposit intangibles $ 82,492 $ (51,925) $ 30,567 Customer relationship intangible 2,470 (1,239) 1,231 Total finite-lived intangible assets $ 84,962 $ (53,164) $ 31,798 December 31, 2019 Core deposit intangibles $ 82,492 $ (46,599) $ 35,893 Customer relationship intangible 2,470 (1,103) 1,367 Total finite-lived intangible assets $ 84,962 $ (47,702) $ 37,260 Current year amortization expense for finite-lived intangible assets is presented in the table below. Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Amortization expense for: Core deposit intangibles $ 1,688 $ 1,963 $ 5,326 $ 6,060 Customer relationship intangible 45 33 136 99 Total intangible amortization $ 1,733 $ 1,996 $ 5,462 $ 6,159 The estimated amortization expense of finite-lived intangible assets for the year ending December 31, 2020 and the succeeding four years is summarized as follows: Core Deposit Intangibles Customer Relationship Intangible Total 2020 $ 6,939 $ 181 $ 7,120 2021 5,860 181 6,041 2022 4,940 181 5,121 2023 4,044 181 4,225 2024 3,498 181 3,679

Mortgage Servicing Rights

Mortgage Servicing Rights	9 Months Ended
	Sep. 30, 2020
Transfers and Servicing [Abstract]
Mortgage Servicing Rights	Mortgage Servicing Rights (In Thousands) The Company retains the right to service certain mortgage loans that it sells to secondary market investors. These mortgage servicing rights (“MSRs”) are recognized as a separate asset on the date the corresponding mortgage loan is sold. MSRs are amortized in proportion to and over the period of estimated net servicing income. These servicing rights are carried at the lower of amortized cost or fair value. Fair value is determined using an income approach with various assumptions, including expected cash flows, prepayment speeds, market discount rates, servicing costs, and other factors, and is subject to significant fluctuation as a result of actual prepayment speeds, default rates and losses differing from estimates thereof. Servicing rights are evaluated for impairment quarterly based upon the fair value of the rights as compared to the carrying amount. Impairment is recognized through a valuation allowance in the amount that unamortized cost exceeds fair value. If the Company later determines that all or a portion of the impairment no longer exists, a reduction of the valuation allowance may be recorded as an increase to income. Changes in valuation allowances related to servicing rights are reported in “Mortgage banking income” on the Consolidated Statements of Income. There were $13,694 and $3,132 of valuation adjustments on MSRs during the nine months ended September 30, 2020 and 2019, respectively, primarily arising from the difference between actual prepayment speeds and the Company's assumptions with respect to prepayment speeds. A continued decline in mortgage interest rates and an increase in actual prepayment speeds may cause additional negative adjustments to the valuation of the Company's MSRs. Changes in the Company’s MSRs were as follows: Balance at January 1, 2020 $ 53,208 Capitalization 30,589 Amortization (12,503) Valuation adjustment (13,694) Balance at September 30, 2020 $ 57,600 Data and key economic assumptions related to the Company’s MSRs are as follows as of the dates presented: September 30, 2020 December 31, 2019 Unpaid principal balance $ 6,680,256 $ 4,871,155 Weighted-average prepayment speed (CPR) 15.09 % 11.48 % Estimated impact of a 10% increase $ (3,606) $ (2,469) Estimated impact of a 20% increase (6,921) (4,774) Discount rate 9.88 % 9.69 % Estimated impact of a 10% increase $ (1,957) $ (2,027) Estimated impact of a 20% increase (3,784) (3,908) Weighted-average coupon interest rate 3.71 % 4.04 % Weighted-average servicing fee (basis points) 29.94 29.20 Weighted-average remaining maturity (in years) 5.16 6.35 The Company recorded servicing fees of $3,400 and $2,346 for the three months ended September 30, 2020 and 2019, respectively, which are included in “Mortgage banking income” in the Consolidated Statements of Income. The Company recorded servicing fees of $9,012 and $7,081 for the nine months ended September 30, 2020 and 2019, respectively.

Employee Benefit and Deferred C

Employee Benefit and Deferred Compensation Plans	9 Months Ended
	Sep. 30, 2020
Retirement Benefits [Abstract]
Employee Benefit and Deferred Compensation Plans	Employee Benefit and Deferred Compensation Plans (In Thousands, Except Share Data) Pension and Post-retirement Medical Plans The Company sponsors a noncontributory defined benefit pension plan, under which participation and benefit accruals ceased as of December 31, 1996, and it provides retiree medical benefits, consisting of the opportunity to purchase coverage at subsidized rates under the Company's group medical plan. Information related to the defined benefit pension plan maintained by Renasant Bank (“Pension Benefits”) and to the post-retirement health and life plan (“Other Benefits”) as of the dates presented is as follows: Pension Benefits Other Benefits Three Months Ended Three Months Ended September 30, September 30, 2020 2019 2020 2019 Service cost $ — $ — $ 2 $ 2 Interest cost 246 294 3 7 Expected return on plan assets (412) (362) — — Recognized actuarial loss (gain) 87 110 (23) (6) Net periodic (return) benefit cost $ (79) $ 42 $ (18) $ 3 Pension Benefits Other Benefits Nine Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Service cost $ — $ — $ 5 $ 5 Interest cost 738 882 10 23 Expected return on plan assets (1,238) (1,087) — — Recognized actuarial loss (gain) 262 331 (68) (17) Net periodic (return) benefit cost $ (238) $ 126 $ (53) $ 11 Incentive Compensation Plans The Company maintains a long-term equity compensation plan that provides for the grant of stock options and the award of restricted stock. There were no stock options granted, nor compensation expense associated with options recorded, during the nine months ended September 30, 2020 or 2019. The following table summarizes information about options outstanding, exercised and forfeited as of and for the nine months ended September 30, 2020: Shares Weighted Average Exercise Price Options outstanding at beginning of period 29,250 $ 15.86 Granted — — Exercised — — Forfeited — — Options outstanding at end of period 29,250 $ 15.86 The Company also awards performance-based restricted stock to executives and other officers and employees and time-based restricted stock to non-employee directors, executives, and other officers and employees. The following table summarizes the changes in restricted stock as of and for the nine months ended September 30, 2020: Performance-Based Restricted Stock Weighted Average Grant-Date Fair Value Time-Based Restricted Stock Weighted Average Grant-Date Fair Value Nonvested at beginning of period 115,725 $ 34.00 500,932 $ 36.34 Awarded 81,423 35.42 270,579 32.90 Vested — — (140,853) 38.67 Cancelled (15,076) 33.29 (47,488) 35.73 Nonvested at end of period 182,072 $ 34.70 583,170 $ 34.23 During the nine months ended September 30, 2020, the Company reissued 150,387 shares from treasury in connection with awards of restricted stock. The Company recorded total stock-based compensation expense of $2,405 and $3,002 for the three months ended September 30, 2020 and 2019, respectively and $8,153 and $7,721 for the nine months ended September 30, 2020 and 2019, respectively.

Derivative Instruments

Derivative Instruments	9 Months Ended
	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Derivative Instruments (In Thousands) The Company utilizes derivative financial instruments, including interest rate contracts such as swaps, caps and/or floors, as part of its ongoing efforts to mitigate its interest rate risk exposure and to facilitate the needs of its customers. The Company also from time to time enters into derivative instruments that are not designated as hedging instruments to help its commercial customers manage their exposure to interest rate fluctuations. To mitigate the interest rate risk associated with these customer contracts, the Company enters into an offsetting derivative contract position. The Company manages its credit risk, or potential risk of default by its commercial customers, through credit limit approval and monitoring procedures. At September 30, 2020, the Company had notional amounts of $272,136 on interest rate contracts with corporate customers and $272,136 in offsetting interest rate contracts with other financial institutions to mitigate the Company’s rate exposure on its corporate customers’ contracts and certain fixed-rate loans. In June 2014, the Company entered into two forward interest rate swap contracts on floating rate liabilities at the Bank level with notional amounts of $15,000 each. The interest rate swap contracts are each accounted for as a cash flow hedge with the objective of protecting against any interest rate volatility on future Federal Home Loan Bank (“FHLB”) borrowings for a four-year and five-year period beginning June 1, 2018 and December 3, 2018 and ending June 2022 and June 2023, respectively. Under these contracts, the Bank pays a fixed interest rate and receives a variable interest rate based on the three-month LIBOR plus a pre-determined spread, with quarterly net settlements. In March and April 2012, the Company entered into two interest rate swap agreements effective March 30, 2014 and March 17, 2014, respectively. Under these swap agreements, the Company receives a variable rate of interest based on the three-month LIBOR plus a pre-determined spread and pays a fixed rate of interest. The agreements, which both terminate in March 2022, are accounted for as cash flow hedges to reduce the variability in cash flows resulting from changes in interest rates on $32,000 of the Company’s junior subordinated debentures. In April 2018, the Company entered into an interest rate swap agreement effective June 15, 2018. Under this swap agreement, the Company receives a variable rate of interest based on the three-month LIBOR plus a pre-determined spread and pays a fixed rate of interest. The agreement, which terminates in June 2028, is accounted for as a cash flow hedge to reduce the variability in cash flows resulting from changes in interest rates on $30,000 of the Company’s junior subordinated debentures. In March 2020, the Company entered into a forward interest rate swap contract on floating rate liabilities with a notional amount of $100,000. The interest rate swap contract is accounted for as a cash flow hedge with the objective of protecting against any interest rate volatility on future FHLB borrowings for a ten-year period beginning March 23, 2022 and ending March 23, 2032. Under this contract, the Company pays a fixed interest rate and receives a variable interest rate based on one-month LIBOR with monthly net settlements. In May 2020, the Company entered into a forward interest rate swap contract on floating rate liabilities with a notional amount of $25,000. The interest rate swap contract is accounted for as a cash flow hedge with the objective of protecting against any interest rate volatility on future FHLB borrowings for a three-year period beginning on May 1, 2022 and ending on May 1, 2025. Under this contract, the Company pays a fixed interest rate and receives a variable interest rate based on one-month LIBOR with monthly net settlements. In July 2020, the Company entered into two forward interest rate swap contracts on floating rate liabilities with a notional amount of $25,000 each. Both interest rate swap contracts are accounted for as a cash flow hedge with the objective of protecting against any interest rate volatility on future FHLB borrowings, one contract for a seven-year period beginning on July 14, 2022 and ending on July 14, 2029, the other contract for a five-year period beginning on July 31, 2022 and ending on July 31, 2027. Under both contracts, the Company pays a fixed interest rate and receives a variable interest rate based on one-month LIBOR with monthly net settlements. In August 2020, the Company entered into a forward interest rate swap contract on floating rate liabilities with a notional amount of $25,000. The interest rate swap contract is accounted for as a cash flow hedge with the objective of protecting against any interest rate volatility on future FHLB borrowings for a seven-year period beginning on August 14, 2022 and ending on August 14, 2029. Under this contract, the Company pays a fixed interest rate and receives a variable interest rate based on one-month LIBOR with monthly net settlements. The Company enters into interest rate lock commitments with its customers to mitigate the interest rate risk associated with the commitments to fund fixed-rate and adjustable-rate residential mortgage loans. The notional amount of commitments to fund fixed-rate and adjustable-rate mortgage loans was $755,721 and $215,751 at September 30, 2020 and December 31, 2019, respectively. The Company also enters into forward commitments to sell residential mortgage loans to secondary market investors. The notional amount of commitments to sell residential mortgage loans to secondary market investors was $760,000 and $414,000 at September 30, 2020 and December 31, 2019, respectively. The following table provides details on the Company’s derivative financial instruments as of the dates presented: Fair Value Balance Sheet September 30, December 31, 2019 Derivative assets: Designated as hedging instruments: Interest rate swap Other Assets $ 468 $ — Totals $ 468 $ — Not designated as hedging instruments: Interest rate contracts Other Assets $ 11,566 $ 3,880 Interest rate lock commitments Other Assets 28,185 4,579 Forward commitments Other Assets 59 39 Totals $ 39,810 $ 8,498 Derivative liabilities: Designated as hedging instruments: Interest rate swaps Other Liabilities $ 9,004 $ 5,021 Totals $ 9,004 $ 5,021 Not designated as hedging instruments: Interest rate contracts Other Liabilities $ 11,566 $ 3,880 Interest rate lock commitments Other Liabilities — 3 Forward commitments Other Liabilities 2,511 1,096 Totals $ 14,077 $ 4,979 Gains (losses) included in the Consolidated Statements of Income related to the Company’s derivative financial instruments were as follows as of the periods presented: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Derivatives not designated as hedging instruments: Interest rate contracts: Included in interest income on loans $ 451 $ 950 $ 1,710 $ 2,985 Interest rate lock commitments: Included in mortgage banking income (1,135) (444) 23,610 2,954 Forward commitments Included in mortgage banking income 2,754 3,526 (1,395) 3,006 Total $ 2,070 $ 4,032 $ 23,925 $ 8,945 For the Company’s derivatives designated as cash flow hedges, changes in fair value of the cash flow hedges are, to the extent that the hedging relationship is effective, recorded as other comprehensive income and are subsequently recognized in earnings at the same time that the hedged item is recognized in earnings. The ineffective portions of the changes in fair value of the hedging instruments are immediately recognized in earnings. The assessment of the effectiveness of the hedging relationship is evaluated under the hypothetical derivative method. There were no ineffective portions for the nine months ended September 30, 2020 or 2019. The impact on other comprehensive income for the nine months ended September 30, 2020 and 2019, respectively, can be seen at Note 13, “Other Comprehensive Income.” Offsetting Certain financial instruments, including derivatives, may be eligible for offset in the consolidated balance sheet when the “right of offset” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements; however, the Company has not elected to offset such financial instruments in the Consolidated Balance Sheets. The following table presents the Company’s gross derivative positions as recognized in the Consolidated Balance Sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement: Offsetting Derivative Assets Offsetting Derivative Liabilities September 30, December 31, 2019 September 30, December 31, 2019 Gross amounts recognized $ 527 $ 61 $ 23,198 $ 9,974 Gross amounts offset in the Consolidated Balance Sheets — — — — Net amounts presented in the Consolidated Balance Sheets 527 61 23,198 9,974 Gross amounts not offset in the Consolidated Balance Sheets Financial instruments 527 61 527 61 Financial collateral pledged — — 18,400 8,698 Net amounts $ — $ — $ 4,271 $ 1,215

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2020
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes (In Thousands) The following table is a summary of the Company’s temporary differences between the tax basis of assets and liabilities and their financial reporting amounts that give rise to deferred income tax assets and liabilities and their approximate tax effects as of the dates presented. September 30, December 31, 2020 2019 Deferred tax assets Allowance for credit losses $ 45,891 $ 14,304 Loans 11,579 10,284 Deferred compensation 11,605 12,050 Impairment of assets 1,631 1,108 Net operating loss carryforwards 2,607 9,387 Lease liabilities under operating leases 22,271 22,686 Other 208 934 Total deferred tax assets 95,792 70,753 Deferred tax liabilities Net unrealized gains on securities 6,057 190 Investment in partnerships 982 967 Fixed assets 7,688 2,952 Mortgage servicing rights 14,121 13,472 Junior subordinated debt 2,237 2,304 Lease right-of-use asset 21,203 21,727 Other 1,457 1,859 Total deferred tax liabilities 53,745 43,471 Net deferred tax assets $ 42,047 $ 27,282 For the nine months ended September 30, 2020 and 2019, the Company recorded a provision for income taxes totaling $13,022 and $38,667, respectively. The provision for income taxes includes both federal and state income taxes and differs from the statutory rate due to favorable permanent differences. The effective tax rate was 20.28% and 23.04% for the nine months ended September 30, 2020 and 2019, respectively. The Company and its subsidiaries file a consolidated U.S. federal income tax return. The Company is currently open to audit under the statute of limitations by the Internal Revenue Service and the state departments of revenue for the years ending December 31, 2015 through December 31, 2019.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements (In Thousands) Fair Value Measurements and the Fair Level Hierarchy ASC 820, “Fair Value Measurements and Disclosures,” provides guidance for using fair value to measure assets and liabilities and also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to a valuation based on quoted prices in active markets for identical assets and liabilities (Level 1), moderate priority to a valuation based on quoted prices in active markets for similar assets and liabilities and/or based on assumptions that are observable in the market (Level 2), and the lowest priority to a valuation based on assumptions that are not observable in the market (Level 3). Recurring Fair Value Measurements The Company carries certain assets and liabilities at fair value on a recurring basis in accordance with applicable standards. The Company’s recurring fair value measurements are based on the requirement to carry such assets and liabilities at fair value or the Company’s election to carry certain eligible assets and liabilities at fair value. Assets and liabilities that are required to be carried at fair value on a recurring basis include securities available for sale and derivative instruments. The Company has elected to carry mortgage loans held for sale at fair value on a recurring basis as permitted under the guidance in ASC 825, “Financial Instruments” (“ASC 825”). The following methods and assumptions are used by the Company to estimate the fair values of the Company’s financial assets and liabilities that are measured on a recurring basis: Securities available for sale : Securities available for sale consist primarily of debt securities, such as obligations of U.S. Government agencies and corporations, obligations of states and political subdivisions, mortgage-backed securities and trust preferred securities. Where quoted market prices in active markets are available, securities are classified within Level 1 of the fair value hierarchy. If quoted prices from active markets are not available, fair values are based on quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active, or model-based valuation techniques where all significant assumptions are observable in the market. Such instruments are classified within Level 2 of the fair value hierarchy. When assumptions used in model-based valuation techniques are not observable in the market, the assumptions used by management reflect estimates of assumptions used by other market participants in determining fair value. When there is limited transparency around the inputs to the valuation, the instruments are classified within Level 3 of the fair value hierarchy. Derivative instruments : Most of the Company’s derivative contracts are extensively traded in over-the-counter markets and are valued using discounted cash flow models which incorporate observable market based inputs including current market interest rates, credit spreads, and other factors. Such instruments are categorized within Level 2 of the fair value hierarchy and include interest rate swaps and other interest rate contracts such as interest rate caps and/or floors. The Company’s interest rate lock commitments are valued using current market prices for mortgage-backed securities with similar characteristics, adjusted for certain factors including servicing and risk. The value of the Company’s forward commitments is based on current prices for securities backed by similar types of loans. Because these assumptions are observable in active markets, the Company’s interest rate lock commitments and forward commitments are categorized within Level 2 of the fair value hierarchy. Mortgage loans held for sale in loans held for sale : Mortgage loans held for sale are primarily agency loans which trade in active secondary markets. The fair value of these instruments is derived from current market pricing for similar loans, adjusted for differences in loan characteristics, including servicing and risk. Because the valuation is based on external pricing of similar instruments, mortgage loans held for sale are classified within Level 2 of the fair value hierarchy. The following table presents assets and liabilities that are measured at fair value on a recurring basis as of the dates presented: Level 1 Level 2 Level 3 Totals September 30, 2020 Financial assets: Trust preferred securities $ — $ — $ 8,492 $ 8,492 Other available for sale securities — 1,284,896 — 1,284,896 Total securities available for sale — 1,284,896 8,492 1,293,388 Derivative instruments — 40,278 — 40,278 Mortgage loans held for sale in loans held for sale — 399,773 — 399,773 Total financial assets $ — $ 1,724,947 $ 8,492 $ 1,733,439 Financial liabilities: Derivative instruments: $ — $ 23,081 $ — $ 23,081 Level 1 Level 2 Level 3 Totals December 31, 2019 Financial assets: Trust preferred securities $ — $ — $ 9,986 $ 9,986 Other available for sale securities — 1,280,627 — 1,280,627 Total securities available for sale — 1,280,627 9,986 1,290,613 Derivative instruments — 8,498 — 8,498 Mortgage loans held for sale in loans held for sale — 318,272 — 318,272 Total financial assets $ — $ 1,607,397 $ 9,986 $ 1,617,383 Financial liabilities: Derivative instruments $ — $ 10,000 $ — $ 10,000 The Company reviews fair value hierarchy classifications on a quarterly basis. Changes in the Company’s ability to observe inputs to the valuation may cause reclassification of certain assets or liabilities within the fair value hierarchy. Transfers between levels of the hierarchy are deemed to have occurred at the end of period. There were no such transfers between levels of the fair value hierarchy during the nine months ended September 30, 2020. The following tables provide a reconciliation for assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs, or Level 3 inputs, as of the dates presented: 2020 2019 Three Months Ended September 30, 2020 Trust preferred Trust preferred Three Months Ended September 30, Balance at beginning of period $ 7,679 $ 10,386 Accretion included in net income 8 9 Unrealized gains (losses) included in other comprehensive income 840 (439) Settlements (35) (94) Balance at end of period $ 8,492 $ 9,862 Nine Months Ended September 30, Balance at beginning of period $ 9,986 $ 10,633 Accretion included in net income 26 26 Unrealized losses included in other comprehensive income (1,382) (572) Settlements (138) (225) Balance at end of period $ 8,492 $ 9,862 For each of the three and nine months ended September 30, 2020 and 2019, respectively, there were no gains or losses included in earnings that were attributable to the change in unrealized gains or losses related to assets or liabilities held at the end of each respective period that were measured on a recurring basis using significant unobservable inputs. The following table presents information as of September 30, 2020 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis: Financial instrument Fair Valuation Technique Significant Range of Inputs Trust preferred securities $ 8,492 Discounted cash flows Default rate 0-100% Nonrecurring Fair Value Measurements Certain assets and liabilities may be recorded at fair value on a nonrecurring basis. These nonrecurring fair value adjustments typically are a result of the application of the lower of cost or market accounting or a write-down occurring during the period. The following table provides the fair value measurement for assets measured at fair value on a nonrecurring basis that were still held on the Consolidated Balance Sheets as of the dates presented and the level within the fair value hierarchy each is classified: September 30, 2020 Level 1 Level 2 Level 3 Totals Impaired loans $ — $ — $ 11,050 $ 11,050 OREO — — 1,788 1,788 Mortgage servicing rights — — 57,600 57,600 Total $ — $ — $ 70,438 $ 70,438 December 31, 2019 Level 1 Level 2 Level 3 Totals Impaired loans $ — $ — $ 27,348 $ 27,348 OREO — — 2,820 2,820 Mortgage servicing rights — — 53,208 53,208 Total $ — $ — $ 83,376 $ 83,376 The following methods and assumptions are used by the Company to estimate the fair values of the Company’s financial assets measured on a nonrecurring basis: Impaired loans: Loans considered impaired are reserved for at the time the loan is identified as impaired taking into account the fair value of the collateral less estimated selling costs. Collateral may be real estate and/or business assets including but not limited to equipment, inventory and accounts receivable. The fair value of real estate is determined based on appraisals by qualified licensed appraisers. The fair value of the business assets is generally based on amounts reported on the business’s financial statements. Appraised and reported values may be adjusted based on changes in market conditions from the time of valuation and management’s knowledge of the client and the client’s business. Since not all valuation inputs are observable, these nonrecurring fair value determinations are classified as Level 3. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors previously identified. Impaired loans that were measured or re-measured at fair value had a carrying value of $19,775 and $29,606 at September 30, 2020 and December 31, 2019, respectively, and a specific reserve for these loans of $8,725 and $2,258 was included in the allowance for credit losses as of such dates. Other real estate owned : OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations. OREO acquired in settlement of indebtedness is recorded at the fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Fair value, when recorded, is determined based on appraisals by qualified licensed appraisers and adjusted for management’s estimates of costs to sell. Accordingly, values for OREO are classified as Level 3. The following table presents OREO measured at fair value on a nonrecurring basis that was still held on the Consolidated Balance Sheets as of the dates presented: September 30, December 31, 2019 Carrying amount prior to remeasurement $ 2,750 $ 3,726 Impairment recognized in results of operations (962) (906) Fair value $ 1,788 $ 2,820 Mortgage servicing rights : Mortgage servicing rights are carried at the lower of amortized cost or fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. Because these factors are not all observable and include management’s assumptions, mortgage servicing rights are classified within Level 3 of the fair value hierarchy. Mortgage servicing rights were carried at amortized cost at September 30, 2020 and December 31, 2019. There were $13,694 of valuation adjustments on MSRs during the nine months ended September 30, 2020 and $1,836 of valuation adjustments recognized during the twelve months ended December 31, 2019. The following table presents information as of September 30, 2020 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: Financial instrument Fair Valuation Technique Significant Range of Inputs Impaired loans $ 11,050 Appraised value of collateral less estimated costs to sell Estimated costs to sell 4-10% OREO $ 1,788 Appraised value of property less estimated costs to sell Estimated costs to sell 4-10% Fair Value Option The Company elected to measure all mortgage loans originated for sale on or after July 1, 2012 at fair value under the fair value option as permitted under ASC 825. Electing to measure these assets at fair value reduces certain timing differences and better matches the changes in fair value of the loans with changes in the fair value of derivative instruments used to economically hedge them. Net gains of $10,876 and $3,895 resulting from fair value changes of these mortgage loans were recorded in income during the nine months ended September 30, 2020 and 2019, respectively. The amount does not reflect changes in fair values of related derivative instruments used to hedge exposure to market-related risks associated with these mortgage loans. The change in fair value of both mortgage loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the Consolidated Statements of Income. The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these loans, valuation adjustments attributable to instrument-specific credit risk is nominal. Interest income on mortgage loans held for sale measured at fair value is accrued as it is earned based on contractual rates and is reflected in loan interest income on the Consolidated Statements of Income. The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of September 30, 2020 and December 31, 2019: Aggregate Aggregate Difference September 30, 2020 Mortgage loans held for sale measured at fair value $ 399,773 $ 378,785 $ 20,988 December 31, 2019 Mortgage loans held for sale measured at fair value $ 318,272 $ 308,160 $ 10,112 Fair Value of Financial Instruments The carrying amounts and estimated fair values of the Company’s financial instruments, including those assets and liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows as of the dates presented: Fair Value As of September 30, 2020 Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 414,105 $ 414,105 $ — $ — $ 414,105 Securities available for sale 1,293,388 — 1,284,896 8,492 1,293,388 Loans held for sale 399,773 — 399,773 — 399,773 Loans, net 10,916,640 — — 10,847,520 10,847,520 Mortgage servicing rights 57,600 — — 57,600 57,600 Derivative instruments 40,278 — 40,278 — 40,278 Financial liabilities Deposits $ 11,934,140 $ 10,100,060 $ 1,852,653 $ — $ 11,952,713 Short-term borrowings 42,624 42,624 — — 42,624 Federal Home Loan Bank advances 152,210 — 158,952 — 158,952 Junior subordinated debentures 110,649 — 89,591 — 89,591 Subordinated notes 212,223 — 212,550 — 212,550 Derivative instruments 23,081 — 23,081 — 23,081 Fair Value As of December 31, 2019 Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 414,930 $ 414,930 $ — $ — $ 414,930 Securities available for sale 1,290,613 — 1,280,627 9,986 1,290,613 Loans held for sale 318,272 — 318,272 — 318,272 Loans, net 9,637,476 — — 9,321,039 9,321,039 Mortgage servicing rights 53,208 — — 53,208 53,208 Derivative instruments 8,498 — 8,498 — 8,498 Financial liabilities Deposits $ 10,213,168 $ 8,052,536 $ 2,158,431 $ — $ 10,210,967 Short-term borrowings 489,091 489,091 — — 489,091 Federal Home Loan Bank advances 152,337 — 152,321 — 152,321 Junior subordinated debentures 110,215 — 104,480 — 104,480 Subordinated notes 113,955 — 117,963 — 117,963 Derivative instruments 10,000 — 10,000 — 10,000

Other Comprehensive Income

Other Comprehensive Income	9 Months Ended
	Sep. 30, 2020
Equity [Abstract]
Other Comprehensive Income	Other Comprehensive Income (In Thousands) Changes in the components of other comprehensive income, net of tax, were as follows for the periods presented: Pre-Tax Tax Expense Net of Tax Three months ended September 30, 2020 Securities available for sale: Unrealized holding gains on securities $ 519 $ 131 $ 388 Total securities available for sale 519 131 388 Derivative instruments: Unrealized holding gains on derivative instruments 1,576 401 1,175 Total derivative instruments 1,576 401 1,175 Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 65 17 48 Total defined benefit pension and post-retirement benefit plans 65 17 48 Total other comprehensive income $ 2,160 $ 549 $ 1,611 Three months ended September 30, 2019 Securities available for sale: Unrealized holding losses on securities $ (84) $ (22) $ (62) Reclassification adjustment for losses realized in net income 2,516 640 1,876 Total securities available for sale 2,432 618 1,814 Derivative instruments: Unrealized holding losses on derivative instruments (949) (241) (708) Total derivative instruments (949) (241) (708) Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 104 26 78 Total defined benefit pension and post-retirement benefit plans 104 26 78 Total other comprehensive income $ 1,587 $ 403 $ 1,184 Pre-Tax Tax Expense Net of Tax Nine months ended September 30, 2020 Securities available for sale: Unrealized holding gains on securities $ 26,404 $ 6,719 $ 19,685 Reclassification adjustment for gains realized in net income (31) (8) (23) Total securities available for sale 26,373 6,711 19,662 Derivative instruments: Unrealized holding losses on derivative instruments (3,516) (895) (2,621) Total derivative instruments (3,516) (895) (2,621) Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 195 50 145 Total defined benefit pension and post-retirement benefit plans 195 50 145 Total other comprehensive income $ 23,052 $ 5,866 $ 17,186 Nine months ended September 30, 2019 Securities available for sale: Unrealized holding gains on securities $ 27,695 $ 7,047 $ 20,648 Reclassification adjustment for losses realized in net income 2,511 639 1,872 Total securities available for sale 30,206 7,686 22,520 Derivative instruments: Unrealized holding losses on derivative instruments (4,244) (1,080) (3,164) Total derivative instruments (4,244) (1,080) (3,164) Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 314 80 234 Total defined benefit pension and post-retirement benefit plans 314 80 234 Total other comprehensive income $ 26,276 $ 6,686 $ 19,590 The accumulated balances for each component of other comprehensive income, net of tax, were as follows as of the dates presented: September 30, December 31, 2019 Unrealized gains on securities $ 41,225 $ 21,563 Non-credit related portion of previously recorded other-than-temporary impairment on securities (11,319) (11,319) Unrealized losses on derivative instruments (5,468) (2,847) Unrecognized losses on defined benefit pension and post-retirement benefit plans obligations (6,488) (6,633) Total accumulated other comprehensive income $ 17,950 $ 764

Net Income Per Common Share

Net Income Per Common Share	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Net Income Per Common Share	Net Income Per Common Share (In Thousands, Except Share Data) Basic net income per common share is calculated by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted net income per common share reflects the pro forma dilution of shares outstanding, assuming outstanding service-based restricted stock awards fully vested and outstanding stock options were exercised into common shares, calculated in accordance with the treasury method. Basic and diluted net income per common share calculations are as follows for the periods presented: Three Months Ended September 30, 2020 2019 Basic Net income applicable to common stock $ 29,992 $ 37,446 Average common shares outstanding 56,185,884 58,003,215 Net income per common share - basic $ 0.53 $ 0.65 Diluted Net income applicable to common stock $ 29,992 $ 37,446 Average common shares outstanding 56,185,884 58,003,215 Effect of dilutive stock-based compensation 200,269 189,204 Average common shares outstanding - diluted 56,386,153 58,192,419 Net income per common share - diluted $ 0.53 $ 0.64 Nine Months Ended September 30, 2020 2019 Basic Net income applicable to common stock $ 52,130 $ 129,181 Average common shares outstanding 56,294,984 58,347,840 Net income per common share - basic $ 0.93 $ 2.21 Diluted Net income applicable to common stock $ 52,130 $ 129,181 Average common shares outstanding 56,294,984 58,347,840 Effect of dilutive stock-based compensation 173,593 160,742 Average common shares outstanding - diluted 56,468,577 58,508,582 Net income per common share - diluted $ 0.92 $ 2.21 Stock-based compensation awards that could potentially dilute basic net income per common share in the future that were not included in the computation of diluted net income per common share due to their anti-dilutive effect were as follows for the periods presented: Three Months Ended September 30, 2020 2019 Number of shares 237,212 691 Exercise prices (for stock option awards) — — Nine Months Ended September 30, 2020 2019 Number of shares 255,448 1,334 Exercise prices (for stock option awards) — —

Regulatory Matters

Regulatory Matters	9 Months Ended
	Sep. 30, 2020
Banking and Thrift, Interest [Abstract]
Regulatory Matters	Regulatory Matters (In Thousands) The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that bank holding companies and banks must maintain. Those guidelines specify capital tiers, which include the following classifications: Capital Tiers Tier 1 Capital to Common Equity Tier 1 to Tier 1 Capital to Total Capital to Well capitalized 5% or above 6.5% or above 8% or above 10% or above Adequately capitalized 4% or above 4.5% or above 6% or above 8% or above Undercapitalized Less than 4% Less than 4.5% Less than 6% Less than 8% Significantly undercapitalized Less than 3% Less than 3% Less than 4% Less than 6% Critically undercapitalized Tangible Equity / Total Assets less than 2% The following table provides the capital and risk-based capital and leverage ratios for the Company and for the Bank as of the dates presented: September 30, 2020 December 31, 2019 Amount Ratio Amount Ratio Renasant Corporation Tier 1 Capital to Average Assets (Leverage) $ 1,281,318 9.17 % $ 1,262,588 10.37 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,174,260 10.80 % 1,156,828 11.12 % Tier 1 Capital to Risk-Weighted Assets 1,281,318 11.79 % 1,262,588 12.14 % Total Capital to Risk-Weighted Assets 1,618,837 14.89 % 1,432,949 13.78 % Renasant Bank Tier 1 Capital to Average Assets (Leverage) $ 1,344,938 9.64 % $ 1,331,809 10.95 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,344,938 12.38 % 1,331,809 12.81 % Tier 1 Capital to Risk-Weighted Assets 1,344,938 12.38 % 1,331,809 12.81 % Total Capital to Risk-Weighted Assets 1,470,402 13.53 % 1,388,553 13.36 % Common equity Tier 1 capital (“CET1”) generally consists of common stock, retained earnings, accumulated other comprehensive income and certain minority interests, less certain adjustments and deductions. In addition, the Company must maintain a “capital conservation buffer,” which is a specified amount of CET1 capital in addition to the amount necessary to meet minimum risk-based capital requirements. The capital conservation buffer is designed to absorb losses during periods of economic stress. If the Company’s ratio of CET1 to risk-weighted capital is below the capital conservation buffer, the Company will face restrictions on its ability to pay dividends, repurchase outstanding stock and make certain discretionary bonus payments. The required capital conservation buffer is 2.5% of CET1 to risk-weighted assets in addition to the amount necessary to meet minimum risk-based capital requirements. As shown in the tables above, as of September 30, 2020, the Company’s CET1 capital was in excess of the capital conservation buffer. In addition, the Federal Reserve, the FDIC and the Office of the Comptroller of the Currency’s rules for calculating risk-weighted assets have been revised in recent years to enhance risk sensitivity and to incorporate certain international capital standards of the Basel Committee on Banking Supervision. These revisions affect the calculation of the denominator of a

Segment Reporting

Segment Reporting	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Segment Reporting	Segment Reporting (In Thousands) The operations of the Company’s reportable segments are described as follows: • The Community Banks segment delivers a complete range of banking and financial services to individuals and small to medium-sized businesses including checking and savings accounts, business and personal loans, asset-based lending and equipment leasing, as well as safe deposit and night depository facilities. • The Insurance segment includes a full service insurance agency offering all major lines of commercial and personal insurance through major carriers. • The Wealth Management segment offers a broad range of fiduciary services which include the administration and management of trust accounts including personal and corporate benefit accounts, self-directed IRAs, and custodial accounts. In addition, the Wealth Management segment offers annuities, mutual funds and other investment services through a third party broker-dealer. In order to give the Company’s divisional management a more precise indication of the income and expenses they can control, the results of operations for the Community Banks, the Insurance and the Wealth Management segments reflect the direct revenues and expenses of each respective segment. Indirect revenues and expenses, including but not limited to income from the Company’s investment portfolio as well as certain costs associated with data processing and back office functions, primarily support the operations of the community banks and, therefore, are included in the results of the Community Banks segment. Included in “Other” are the operations of the holding company and other eliminations which are necessary for purposes of reconciling to the consolidated amounts. The following table provides financial information for the Company’s operating segments as of and for the periods presented: Community Insurance Wealth Other Consolidated Three months ended September 30, 2020 Net interest income (loss) $ 108,909 $ 126 $ 403 $ (3,152) $ 106,286 Provision for loan losses 22,408 — 692 — 23,100 Noninterest income 63,918 2,694 4,714 (398) 70,928 Noninterest expense 110,430 1,974 3,818 288 116,510 Income (loss) before income taxes 39,989 846 607 (3,838) 37,604 Income tax expense (benefit) 8,383 217 — (988) 7,612 Net income (loss) $ 31,606 $ 629 $ 607 $ (2,850) $ 29,992 Total assets $ 14,694,683 $ 30,138 $ 68,261 $ 15,851 $ 14,808,933 Goodwill $ 936,916 $ 2,767 — — $ 939,683 Three months ended September 30, 2019 Net interest income (loss) $ 111,696 $ 177 $ 485 $ (3,533) $ 108,825 Provision for loan losses 1,700 — — — 1,700 Noninterest income 31,911 2,533 3,859 (350) 37,953 Noninterest expense 90,996 1,948 3,287 269 96,500 Income (loss) before income taxes 50,911 762 1,057 (4,152) 48,578 Income tax expense (benefit) 12,009 200 — (1,077) 11,132 Net income (loss) $ 38,902 $ 562 $ 1,057 $ (3,075) $ 37,446 Total assets $ 12,922,205 $ 27,448 $ 70,973 $ 19,048 $ 13,039,674 Goodwill $ 936,916 $ 2,767 — — $ 939,683 Community Insurance Wealth Other Consolidated Nine months ended September 30, 2020 Net interest income (loss) $ 325,879 $ 424 $ 1,250 $ (8,883) $ 318,670 Provision for credit losses on loans 75,481 — 869 — 76,350 Noninterest income (loss) 152,716 7,787 13,370 (1,205) 172,668 Noninterest expense (benefit) 332,490 5,708 11,215 423 349,836 Income (loss) before income taxes 70,624 2,503 2,536 (10,511) 65,152 Income tax expense (benefit) 15,088 658 — (2,724) 13,022 Net income (loss) $ 55,536 $ 1,845 $ 2,536 $ (7,787) $ 52,130 Total assets $ 14,694,683 $ 30,138 $ 68,261 $ 15,851 $ 14,808,933 Goodwill $ 936,916 $ 2,767 $ — $ — $ 939,683 Nine months ended September 30, 2019 Net interest income (loss) $ 343,418 $ 516 $ 1,244 $ (10,406) $ 334,772 Provision for credit losses on loans 4,100 — — — 4,100 Noninterest income 97,789 7,634 11,408 (1,033) 115,798 Noninterest expense 261,905 5,661 10,199 857 278,622 Income (loss) before income taxes 175,202 2,489 2,453 (12,296) 167,848 Income tax expense (benefit) 41,205 648 — (3,186) 38,667 Net income (loss) $ 133,997 $ 1,841 $ 2,453 $ (9,110) $ 129,181 Total assets $ 12,922,205 $ 27,448 $ 70,973 $ 19,048 $ 13,039,674 Goodwill $ 936,916 $ 2,767 $ — $ — $ 939,683

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Basis of presentation	Basis of Presentation : The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Certain prior year amounts have been reclassified to conform to the current year presentation. For further information regarding the Company’s significant accounting policies, refer to the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 filed with the Securities and Exchange Commission on February 27, 2020.
Use of estimates	Use of Estimates : The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates, and such differences may be material.
Impact of recently-issued accounting standards and pronouncements	Impact of Recently-Issued Accounting Standards and Pronouncements : In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”), which updated Accounting Standards Codification Topic (“ASC”) 326, Financial Instruments - Credit Losses (“ASC 326”). ASU 2016-13 significantly changed the way entities recognize impairment on many financial assets by requiring immediate recognition of estimated credit losses expected to occur over the asset’s remaining life. FASB describes this impairment recognition model as the current expected credit loss (“CECL”) model and believes the CECL model will result in more timely recognition of credit losses since the CECL model incorporates expected credit losses versus incurred credit losses. The scope of FASB’s CECL model includes loans, held-to-maturity debt instruments, lease receivables, loan commitments and financial guarantees that are not accounted for at fair value. Additionally, ASU 2016-13 amended the accounting for credit losses on available for sale securities and purchased financial assets with credit deterioration (“PCD”). In the remainder of these Notes to Consolidated Financial Statements, unless the context clearly provides otherwise, references to “CECL” or to “ASC 326” shall mean the accounting standards and principles set forth in ASC 326 after giving effect to ASU 2016-13 and the clarifications thereto discussed in the next paragraph. Over the course of 2018 and 2019, FASB issued a number of updates clarifying various matters arising under ASU 2016-13, including the following: (1) ASU 2018-19 was issued to clarify that receivables arising from operating leases are not within the scope of Subtopic 326-20; instead, impairment of receivables arising from operating leases should be accounted for in accordance with ASC 842, Leases (“ASC 842”); (2) ASU 2019-04 provides entities alternatives for measurement of accrued interest receivable, clarifies the steps entities should take when recording the transfer of loans or debt securities between measurement classifications or categories and clarifies that entities should include expected recoveries on financial assets; (3) ASU 2019-05 was issued to provide entities that have certain instruments within the scope of Subtopic 320-20 with an option to irrevocably elect the fair value option in Subtopic 825-10; and (4) ASU 2019-11 was issued to address stakeholders’ specific issues relating to expected recoveries on PCD assets and transition and disclosure relief related to troubled debt restructured loans and accrued interest, respectively. ASU 2016-13 December 31, 2019 Impact of ASU 2016-13 Adoption January 1, 2020 Assets: Allowance for credit losses $ (52,162) $ (42,484) $ (94,646) Deferred tax assets, net $ 27,282 $ 12,305 $ 39,587 Remaining purchase discount on loans $ (50,958) $ 5,469 $ (45,489) Liabilities: Reserve for unfunded commitments $ 946 $ 10,389 $ 11,335 Shareholders’ equity: Retained earnings $ 617,355 $ (35,099) $ 582,256 The Company used the prospective transition approach for PCD loans that were previously classified as purchased credit impaired (“PCI”) and accounted for under ASC 310-30, “ Loans and Debt Securities Acquired with Deteriorated Credit Quality ” (“ASC 310-30”). As permitted under ASC 326, the Company did not reassess whether PCI assets meet the criteria of PCD assets as of the date of adoption. As shown in the table above, the amortized cost basis of the PCD assets was adjusted to reflect the addition of $5,469 to the allowance for credit losses. The remaining noncredit discount will be accreted into interest income. The prospective transition approach was also used for debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2020. As a result, the amortized cost basis remained the same before and after the effective date of the adoption of CECL. Additionally, the Company has elected to exclude accrued interest receivable from the amortized cost of loans. As of September 30, 2020, the Company has accrued interest receivable for loans of $56,382, which is recorded in other assets on the Consolidated Balance Sheets. In January 2017, FASB issued ASU 2017-04, “Intangibles - Goodwill and Other (Topic 350)” (“ASU 2017-04”), which amends and simplifies current goodwill impairment testing by eliminating certain testing under the earlier provisions. Under the new guidance, an entity performs the goodwill impairment test by comparing the fair value of a reporting unit with its carrying value and recognizes an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if a quantitative impairment test is necessary. ASU 2017-04 was adopted on January 1, 2020 and did not have a material impact on the Company’s financial statements. In August 2018, FASB issued ASU 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement” (“ASU 2018-13”), which is intended to improve the disclosures on fair value measurements by eliminating, amending and adding certain disclosure requirements. These changes are intended to reduce costs for preparers while providing more useful information for financial statement users. ASU 2018-13 was adopted on January 1, 2020 and did not have a material impact on the Company’s financial statements. In March 2019, FASB issued ASU 2019-01, “Leases (Topic 842): Codification Improvements” (“ASU 2019-01”), which is intended to clarify potential implementation questions related to ASC 842. This includes clarification on the determination of fair value of underlying assets by lessors that are not manufacturers or dealers, cash flow presentation of sales-type and direct financing leases and transition disclosures related to accounting changes and error corrections. ASU 2019-01 was adopted on January 1, 2020 and did not have a material impact on the Company’s financial statements. In March 2020, FASB issued ASU 2020-04, “Reference Rate Reform (Topic 842): Facilitation of the Effects of Reference Rate Reform on Financial Reporting”

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Schedule of New Accounting Pronouncements and Changes in Accounting Principles	ASU 2016-13 December 31, 2019 Impact of ASU 2016-13 Adoption January 1, 2020 Assets: Allowance for credit losses $ (52,162) $ (42,484) $ (94,646) Deferred tax assets, net $ 27,282 $ 12,305 $ 39,587 Remaining purchase discount on loans $ (50,958) $ 5,469 $ (45,489) Liabilities: Reserve for unfunded commitments $ 946 $ 10,389 $ 11,335 Shareholders’ equity: Retained earnings $ 617,355 $ (35,099) $ 582,256

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Amortized cost and fair value of securities available for sale	The amortized cost, fair value and allowance for credit losses of securities available for sale were as follows as of the dates presented: Amortized Gross Gross Allowance for Credit Losses Fair September 30, 2020 U.S. Treasury securities $ 7,067 $ 45 $ — $ — $ 7,112 Obligations of other U.S. Government agencies and corporations 1,505 10 — — 1,515 Obligations of states and political subdivisions 267,067 11,224 (651) — 277,640 Residential mortgage backed securities: Government agency mortgage backed securities 649,383 23,601 (64) — 672,920 Government agency collateralized mortgage obligations 133,993 2,181 (29) — 136,145 Commercial mortgage backed securities: Government agency mortgage backed securities 29,198 1,316 (1) — 30,513 Government agency collateralized mortgage obligations 90,523 3,306 (77) — 93,752 Trust preferred securities 12,042 — (3,550) — 8,492 Other debt securities 62,495 2,935 (131) — 65,299 $ 1,253,273 $ 44,618 $ (4,503) $ — $ 1,293,388 Amortized Gross Gross Fair December 31, 2019 U.S. Treasury securities $ 498 $ 1 $ — $ 499 Obligations of other U.S. Government agencies and corporations 2,518 16 (3) 2,531 Obligations of states and political subdivisions 218,362 5,134 (365) 223,131 Residential mortgage backed securities: Government agency mortgage backed securities 708,970 8,951 (1,816) 716,105 Government agency collateralized mortgage obligations 172,178 1,322 (262) 173,238 Commercial mortgage backed securities: Government agency mortgage backed securities 30,372 659 (24) 31,007 Government agency collateralized mortgage obligations 76,456 1,404 (109) 77,751 Trust preferred securities 12,153 — (2,167) 9,986 Other debt securities 55,364 1,133 (132) 56,365 $ 1,276,871 $ 18,620 $ (4,878) $ 1,290,613
Schedule of realized gain (loss)	Securities sold were as follows for the periods presented: There were no securities sold during the three months ended September 30, 2020. Carrying Value Net Proceeds Gain/(Loss) Nine months ended September 30, 2020 Obligations of states and political subdivisions $ 2,696 $ 2,561 $ (135) Residential mortgage backed securities: Government agency mortgage backed securities 6,046 6,212 166 $ 8,742 $ 8,773 $ 31 Carrying Value Net Proceeds Gain/(Loss) Three months ended September 30, 2019 Obligations of states and political subdivisions $ 1,112 $ 1,111 $ (1) Residential mortgage backed securities: Government agency mortgage backed securities 70,926 70,322 (604) Government agency collateralized mortgage obligations 122,404 120,606 (1,798) Commercial mortgage backed securities: Government agency mortgage backed securities 4,838 4,720 (118) Other debt securities 252 257 5 Other equity securities — 2,859 2,859 $ 199,532 $ 199,875 $ 343 Nine months ended September 30, 2019 Obligations of states and political subdivisions $ 11,799 $ 11,813 $ 14 Residential mortgage backed securities: Government agency mortgage backed securities 72,556 71,944 (612) Government agency collateralized mortgage obligations 122,692 120,892 (1,800) Commercial mortgage backed securities: Government agency mortgage backed securities 4,838 4,720 (118) Other debt securities 252 257 5 Other equity securities — 2,859 2,859 $ 212,137 $ 212,485 $ 348 The sale of other equity securities represents the Company's sale of all of its shares of Visa Class B common stock during the third quarter of 2019. Gross realized gains and losses on sales of securities available for sale for the three and nine months ended September 30, 2020 and 2019 were as follows: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Gross gains on sales of securities available for sale $ — $ 2,933 $ 166 $ 2,979 Gross losses on sales of securities available for sale — (2,590) (135) (2,631) Gains on sales of securities available for sale, net $ — $ 343 $ 31 $ 348
Amortized cost and fair value of securities by contractual maturity	The amortized cost and fair value of securities at September 30, 2020 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may call or prepay obligations with or without call or prepayment penalties. Available for Sale Amortized Fair Due within one year $ 9,258 $ 9,316 Due after one year through five years 38,526 40,210 Due after five years through ten years 71,434 75,283 Due after ten years 194,270 196,052 Residential mortgage backed securities: Government agency mortgage backed securities 649,383 672,920 Government agency collateralized mortgage obligations 133,993 136,145 Commercial mortgage backed securities: Government agency mortgage backed securities 29,198 30,513 Government agency collateralized mortgage obligations 90,523 93,752 Other debt securities 36,688 39,197 $ 1,253,273 $ 1,293,388
Gross unrealized losses and fair value by investment category	The following table presents the age of gross unrealized losses and fair value by investment category for which an allowance for credit losses has not been recorded as of the dates presented: Less than 12 Months 12 Months or More Total # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for Sale: September 30, 2020 Obligations of states and political subdivisions 28 $ 45,111 $ (651) 0 $ — $ — 28 $ 45,111 $ (651) Residential mortgage backed securities: Government agency mortgage backed securities 3 21,244 (64) 0 — — 3 21,244 (64) Government agency collateralized mortgage obligations 6 18,206 (29) 0 — — 6 18,206 (29) Commercial mortgage backed securities: Government agency mortgage backed securities 1 1,546 (1) 1 465 — 2 2,011 (1) Government agency collateralized mortgage obligations 3 12,846 (77) 0 — — 3 12,846 (77) Trust preferred securities 0 — — 2 8,492 (3,550) 2 8,492 (3,550) Other debt securities 12 14,833 (128) 1 575 (3) 13 15,408 (131) Total 53 $ 113,786 $ (950) 4 $ 9,532 $ (3,553) 57 $ 123,318 $ (4,503) December 31, 2019 Obligations of other U.S. Government agencies and corporations 0 $ — $ — 1 $ 1,008 $ (3) 1 $ 1,008 $ (3) Obligations of states and political subdivisions 26 33,902 (365) 0 — — 26 33,902 (365) Residential mortgage backed securities: Government agency mortgage backed securities 37 233,179 (1,504) 16 20,775 (312) 53 253,954 (1,816) Government agency collateralized mortgage obligations 11 45,319 (262) 0 — — 11 45,319 (262) Commercial mortgage backed securities: Government agency mortgage backed securities 1 4,976 (23) 2 1,190 (1) 3 6,166 (24) Government agency collateralized mortgage obligations 1 4,910 (109) 0 — — 1 4,910 (109) Trust preferred securities 0 — — 2 9,986 (2,167) 2 9,986 (2,167) Other debt securities 3 8,737 (131) 1 741 (1) 4 9,478 (132) Total 79 $ 331,023 $ (2,394) 22 $ 33,700 $ (2,484) 101 $ 364,723 $ (4,878)

Non Purchased Loans (Tables)

Non Purchased Loans (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Summary of non-purchased loans and leases	The following is a summary of non purchased loans and leases as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,445,294 $ 1,052,353 Lease financing 87,257 85,700 Real estate – construction: Residential 261,432 272,643 Commercial 477,441 502,258 Total real estate – construction 738,873 774,901 Real estate – 1-4 family mortgage: Primary 1,517,528 1,449,219 Home equity 442,380 456,265 Rental/investment 272,811 291,931 Land development 136,573 152,711 Total real estate – 1-4 family mortgage 2,369,292 2,350,126 Real estate – commercial mortgage: Owner-occupied 1,316,408 1,209,204 Non-owner occupied 2,176,562 1,803,587 Land development 117,672 116,085 Total real estate – commercial mortgage 3,610,642 3,128,876 Installment loans to individuals 177,195 199,843 Gross loans 9,428,553 7,591,799 Unearned income (4,329) (3,825) Loans, net of unearned income $ 9,424,224 $ 7,587,974 The following is a summary of purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 202,768 $ 315,619 Real estate – construction: Residential 3,093 16,407 Commercial 31,153 35,175 Total real estate – construction 34,246 51,582 Real estate – 1-4 family mortgage: Primary 245,369 332,729 Home equity 95,235 117,275 Rental/investment 33,567 43,169 Land development 16,931 23,314 Total real estate – 1-4 family mortgage 391,102 516,487 Real estate – commercial mortgage: Owner-occupied 355,994 428,077 Non-owner occupied 577,679 647,308 Land development 32,694 40,004 Total real estate – commercial mortgage 966,367 1,115,389 Installment loans to individuals 66,031 102,587 Loans $ 1,660,514 $ 2,101,664 The following is a summary of total non purchased and purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,648,062 $ 1,367,972 Lease financing 87,257 85,700 Real estate – construction: Residential 264,525 289,050 Commercial 508,594 537,433 Total real estate – construction 773,119 826,483 Real estate – 1-4 family mortgage: Primary 1,762,897 1,781,948 Home equity 537,615 573,540 Rental/investment 306,378 335,100 Land development 153,504 176,025 Total real estate – 1-4 family mortgage 2,760,394 2,866,613 Real estate – commercial mortgage: Owner-occupied 1,672,402 1,637,281 Non-owner occupied 2,754,241 2,450,895 Land development 150,366 156,089 Total real estate – commercial mortgage 4,577,009 4,244,265 Installment loans to individuals 243,226 302,430 Gross loans 11,089,067 9,693,463 Unearned income (4,329) (3,825) Loans, net of unearned income 11,084,738 9,689,638 Allowance for credit losses on loans (168,098) (52,162) Net loans $ 10,916,640 $ 9,637,476
Aging of past due and nonaccrual loans	The following table provides an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 876 $ 288 $ 2,439,040 $ 2,440,204 $ 650 $ 2,666 $ 1,774 $ 5,090 $ 2,445,294 Lease financing — — 87,257 87,257 — — — — 87,257 Real estate – construction: Residential 988 — 260,444 261,432 — — — — 261,432 Commercial — — 477,441 477,441 — — — — 477,441 Total real estate – construction 988 — 737,885 738,873 — — — — 738,873 Real estate – 1-4 family mortgage: Primary 1,795 1,098 1,505,737 1,508,630 347 3,031 5,520 8,898 1,517,528 Home equity 1,001 16 440,820 441,837 — 92 451 543 442,380 Rental/investment 1,334 207 270,995 272,536 7 178 90 275 272,811 Land development 60 — 136,468 136,528 — 12 33 45 136,573 Total real estate – 1-4 family mortgage 4,190 1,321 2,354,020 2,359,531 354 3,313 6,094 9,761 2,369,292 Real estate – commercial mortgage: Owner-occupied 1,034 1 1,312,024 1,313,059 178 2,895 276 3,349 1,316,408 Non-owner occupied 1,986 — 2,174,154 2,176,140 58 309 55 422 2,176,562 Land development 257 43 117,287 117,587 — 39 46 85 117,672 Total real estate – commercial mortgage 3,277 44 3,603,465 3,606,786 236 3,243 377 3,856 3,610,642 Installment loans to individuals 923 173 175,975 177,071 6 84 34 124 177,195 Unearned income — — (4,329) (4,329) — — — — (4,329) Loans, net of unearned income $ 10,254 $ 1,826 $ 9,393,313 $ 9,405,393 $ 1,246 $ 9,306 $ 8,279 $ 18,831 $ 9,424,224 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 605 $ 476 $ 1,045,802 $ 1,046,883 $ 387 $ 5,023 $ 60 $ 5,470 $ 1,052,353 Lease financing — — 85,474 85,474 — 226 — 226 85,700 Real estate – construction 794 — 774,107 774,901 — — — — 774,901 Real estate – 1-4 family mortgage 18,020 2,502 2,320,328 2,340,850 623 6,571 2,082 9,276 2,350,126 Real estate – commercial mortgage 2,362 276 3,119,785 3,122,423 372 4,655 1,426 6,453 3,128,876 Installment loans to individuals 1,000 204 198,555 199,759 — 17 67 84 199,843 Unearned income — — (3,825) (3,825) — — — — (3,825) Total loans, net $ 22,781 $ 3,458 $ 7,540,226 $ 7,566,465 $ 1,382 $ 16,492 $ 3,635 $ 21,509 $ 7,587,974 The following tables provide an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 1,056 $ 36 $ 189,668 $ 190,760 $ 1,655 $ 6,233 $ 4,120 $ 12,008 $ 202,768 Real estate – construction: Residential — — 3,093 3,093 — — — — 3,093 Commercial — — 31,153 31,153 — — — — 31,153 Total real estate – construction — — 34,246 34,246 — — — — 34,246 Real estate – 1-4 family mortgage: Primary 845 64 238,937 239,846 329 2,794 2,400 5,523 245,369 Home equity 839 114 93,006 93,959 — 629 647 1,276 95,235 Rental/investment 356 — 32,409 32,765 — 708 94 802 33,567 Land development — — 16,581 16,581 — 29 321 350 16,931 Total real estate – 1-4 family mortgage 2,040 178 380,933 383,151 329 4,160 3,462 7,951 391,102 Real estate – commercial mortgage: Owner-occupied 851 — 351,688 352,539 505 891 2,059 3,455 355,994 Non-owner occupied 438 54 576,462 576,954 144 571 10 725 577,679 Land development 161 — 32,142 32,303 — 164 227 391 32,694 Total real estate – commercial mortgage 1,450 54 960,292 961,796 649 1,626 2,296 4,571 966,367 Installment loans to individuals 1,844 50 63,846 65,740 9 123 159 291 66,031 Loans, net of unearned income $ 6,390 $ 318 $ 1,628,985 $ 1,635,693 $ 2,642 $ 12,142 $ 10,037 $ 24,821 $ 1,660,514 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 1,889 $ 998 $ 311,218 $ 314,105 $ — $ 1,246 $ 268 $ 1,514 $ 315,619 Real estate – construction 319 — 51,263 51,582 — — — — 51,582 Real estate – 1-4 family mortgage 5,516 2,244 503,826 511,586 605 2,762 1,534 4,901 516,487 Real estate – commercial mortgage 3,454 922 1,110,570 1,114,946 — 123 320 443 1,115,389 Installment loans to individuals 3,709 153 98,545 102,407 1 51 128 180 102,587 Total Loans, net $ 14,887 $ 4,317 $ 2,075,422 $ 2,094,626 $ 606 $ 4,182 $ 2,250 $ 7,038 $ 2,101,664
Impact of modifications classified as restructured loans	The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Commercial, financial, agricultural 1 $ 31 $ 31 Real estate – 1-4 family mortgage: Primary 2 201 200 Rental/investment 1 33 32 Total real estate – 1-4 family mortgage 3 234 232 Real estate – commercial mortgage: Owner-occupied 2 357 357 Non-owner occupied 2 210 210 Total real estate – commercial mortgage 4 567 567 Total 8 $ 832 $ 830 Three months ended September 30, 2019 Real estate – 1-4 family mortgage 1 $ 16 $ 16 Total 1 $ 16 $ 16 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 7 $ 1,862 $ 1,859 Real estate – 1-4 family mortgage: Primary 17 2,356 2,363 Rental/investment 2 142 142 Total real estate – 1-4 family mortgage 19 2,498 2,505 Real estate – commercial mortgage: Owner-occupied 3 3,019 2,970 Non-owner occupied 2 210 210 Land development 1 189 189 Total real estate – commercial mortgage 6 3,418 3,369 Installment loans to individuals 2 24 21 Total 34 $ 7,802 $ 7,754 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 187 $ 185 Real estate – 1-4 family mortgage 4 321 320 Total 6 $ 508 $ 505 The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Real estate – 1-4 family mortgage: Primary 2 44 44 Total real estate – 1-4 family mortgage 2 44 44 Real estate – commercial mortgage: Owner-occupied 4 3,104 2,844 Total real estate – commercial mortgage 4 3,104 2,844 Total 6 $ 3,148 $ 2,888 Three months ended September 30, 2019 Commercial, financial, agricultural 1 $ 258 $ 258 Real estate – 1-4 family mortgage 1 34 34 Total 2 $ 292 $ 292 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 1 $ 1,029 $ 1,031 Real estate – 1-4 family mortgage: Primary 4 334 227 Home equity 1 159 162 Total real estate – 1-4 family mortgage 5 493 389 Real estate – commercial mortgage: Owner-occupied 5 3,173 2,913 Non-owner occupied 1 542 544 Total real estate – commercial mortgage 6 3,715 3,457 Installment loans to individuals 1 25 19 Total 13 $ 5,262 $ 4,896 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 2,778 $ 2,778 Real estate – 1-4 family mortgage 1 34 34 Real estate – commercial mortgage 1 80 76 Total 4 $ 2,892 $ 2,888
Changes in restructured loans	Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 46 $ 4,679 Additional advances or loans with concessions 34 7,787 Reclassified as performing restructured loan 3 354 Reductions due to: Reclassified as nonperforming (2) (510) Paid in full (4) (938) Principal paydowns — (200) Totals at September 30, 2020 77 $ 11,172 Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 54 $ 7,275 Additional advances or loans with concessions 13 5,159 Reclassified as performing restructured loan 1 74 Reductions due to: Reclassified to nonperforming loans (13) (2,489) Paid in full (2) (422) Charge-offs (1) (3) Principal paydowns — (444) Totals at September 30, 2020 52 $ 9,150
Loan portfolio by risk-rating grades	The following table presents the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 1,496,869 $ 208,462 $ 82,029 $ 55,271 $ 21,981 $ 25,284 $ 249,974 $ 12,539 $ 2,152,409 Pass 1,490,637 184,292 77,209 47,560 17,411 23,379 234,139 10,846 2,085,473 Pass-Watch 5,841 23,483 3,318 6,056 4,177 178 11,352 796 55,201 Substandard 391 687 1,502 1,655 393 1,727 4,483 897 11,735 Real Estate - Construction $ 292,840 $ 277,380 $ 60,321 $ 27,528 $ — $ — $ 14,687 $ 145 $ 672,901 Residential $ 144,193 $ 37,303 $ 2,805 $ — $ — $ — $ 14,175 $ 145 $ 198,621 Pass 143,398 37,239 2,805 — — — 14,175 145 197,762 Pass-Watch 795 — — — — — — — 795 Substandard — 64 — — — — — — 64 Commercial $ 148,647 $ 240,077 $ 57,516 $ 27,528 $ — $ — $ 512 $ — $ 474,280 Pass 143,920 222,291 57,516 27,528 — — 512 — 451,767 Pass-Watch 4,727 17,786 — — — — — — 22,513 Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 93,050 $ 90,316 $ 54,193 $ 35,024 $ 15,897 $ 11,028 $ 16,565 $ 2,411 $ 318,484 Primary $ 7,847 $ 7,610 $ 7,659 $ 5,548 $ 427 $ 2,099 $ 416 $ — $ 31,606 Pass 7,847 7,328 7,659 5,548 427 2,083 416 — 31,308 Pass-Watch — 162 — — — — — — 162 Substandard — 120 — — — 16 — — 136 Home Equity $ 97 $ 565 $ — $ — $ — $ — $ 10,563 $ — $ 11,225 Pass 97 565 — — — — 10,438 — 11,100 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Pass-Watch — — — — — — 125 — 125 Substandard — — — — — — — — — Rental/Investment $ 37,906 $ 38,376 $ 32,752 $ 29,097 $ 15,247 $ 8,516 $ 1,260 $ 570 $ 163,724 Pass 35,900 36,978 31,584 27,640 15,142 7,714 1,169 570 156,697 Pass-Watch 1,816 456 434 1,390 — 603 91 — 4,790 Substandard 190 942 734 67 105 199 — — 2,237 Land Development $ 47,200 $ 43,765 $ 13,782 $ 379 $ 223 $ 413 $ 4,326 $ 1,841 $ 111,929 Pass 47,200 43,125 13,782 379 217 375 4,322 1,841 111,241 Pass-Watch — — — — — 38 4 — 42 Substandard — 640 — — 6 — — — 646 Real Estate - Commercial Mortgage $ 674,040 $ 853,569 $ 495,652 $ 448,059 $ 387,416 $ 329,400 $ 79,338 $ 18,350 $ 3,285,824 Owner-Occupied $ 187,846 $ 272,468 $ 208,303 $ 186,479 $ 125,496 $ 101,549 $ 23,588 $ 5,804 $ 1,111,533 Pass 174,500 261,499 175,671 159,656 99,871 86,635 18,854 5,804 982,490 Pass-Watch 13,311 10,202 27,468 22,250 22,470 13,178 3,126 — 112,005 Substandard 35 767 5,164 4,573 3,155 1,736 1,608 — 17,038 Non-Owner Occupied $ 462,691 $ 555,163 $ 273,430 $ 256,342 $ 256,794 $ 223,031 $ 52,887 $ 12,546 $ 2,092,884 Pass 428,272 502,778 235,155 171,441 190,683 164,334 46,252 12,427 1,751,342 Pass-Watch 32,584 50,069 38,275 83,315 52,461 57,785 6,635 119 321,243 Substandard 1,835 2,316 — 1,586 13,650 912 — — 20,299 Land Development $ 23,503 $ 25,938 $ 13,919 $ 5,238 $ 5,126 $ 4,820 $ 2,863 $ — $ 81,407 Pass 21,084 25,070 12,617 5,165 3,539 4,820 2,863 — 75,158 Pass-Watch 263 868 1,302 73 — — — — 2,506 Substandard 2,156 — — — 1,587 — — — 3,743 Installment loans to individuals $ 25 $ 5 $ — $ — $ — $ — $ — $ 20 $ 50 Pass 25 5 — — — — — 20 50 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Total loans subject to risk rating $ 2,556,824 $ 1,429,732 $ 692,195 $ 565,882 $ 425,294 $ 365,712 $ 360,564 $ 33,465 $ 6,429,668 Pass 2,492,880 1,321,170 613,998 444,917 327,290 289,340 333,140 31,653 5,854,388 Pass-Watch 59,337 103,026 70,797 113,084 79,108 71,782 21,333 915 519,382 Substandard 4,607 5,536 7,400 7,881 18,896 4,590 6,091 897 55,898 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 26,726 $ 19,164 $ 12,105 $ 7,487 $ 3,440 $ 12,258 $ 211,383 $ 322 $ 292,885 Performing Loans 26,726 19,052 12,049 7,107 3,291 12,235 210,916 322 291,698 Non-Performing Loans — 112 56 380 149 23 467 — 1,187 Lease Financing Receivables $ 27,278 $ 27,274 $ 18,993 $ 5,056 $ 1,836 $ 2,491 $ — $ — $ 82,928 Performing Loans 27,278 27,274 18,993 5,056 1,836 2,491 — — 82,928 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ 37,614 $ 27,562 $ 295 $ 155 $ — $ — $ 346 $ — $ 65,972 Residential $ 36,288 $ 25,727 $ 295 $ 155 $ — $ — $ 346 $ — $ 62,811 Performing Loans 36,288 25,727 295 155 — — 346 — 62,811 Non-Performing Loans — — — — — — — — — Commercial $ 1,326 $ 1,835 $ — $ — $ — $ — $ — $ — $ 3,161 Performing Loans 1,326 1,835 — — — — — — 3,161 Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 378,741 $ 381,768 $ 298,572 $ 223,228 $ 116,088 $ 218,792 $ 430,273 $ 3,346 $ 2,050,808 Primary $ 342,912 $ 353,445 $ 274,097 $ 200,836 $ 101,959 $ 211,184 $ 1,443 $ 46 $ 1,485,922 Performing Loans 342,912 351,059 271,076 199,061 101,238 209,090 1,443 46 1,475,925 Non-Performing Loans — 2,386 3,021 1,775 721 2,094 — — 9,997 Home Equity $ — $ 205 $ 377 $ 179 $ 45 $ 965 $ 426,583 $ 2,801 $ 431,155 Performing Loans — 205 377 179 45 848 426,434 2,507 430,595 Non-Performing Loans — — — — — 117 149 294 560 Rental/Investment $ 24,840 $ 22,936 $ 20,378 $ 19,980 $ 12,950 $ 6,007 $ 1,497 $ 499 $ 109,087 Performing Loans 24,840 22,830 20,378 19,859 12,943 5,759 1,497 499 108,605 Non-Performing Loans — 106 — 121 7 248 — — 482 Land Development $ 10,989 $ 5,182 $ 3,720 $ 2,233 $ 1,134 $ 636 $ 750 $ — $ 24,644 Performing Loans 10,989 5,182 3,708 2,200 1,134 636 750 — 24,599 Non-Performing Loans — — 12 33 — — — — 45 Real Estate - Commercial Mortgage $ 62,694 $ 76,274 $ 61,617 $ 50,869 $ 39,150 $ 22,001 $ 11,674 $ 539 $ 324,818 Owner-Occupied $ 36,389 $ 47,042 $ 39,417 $ 33,561 $ 26,849 $ 15,425 $ 5,876 $ 316 $ 204,875 Performing Loans 36,389 47,042 39,203 33,382 26,758 14,956 5,876 316 203,922 Non-Performing Loans — — 214 179 91 469 — — 953 Non-Owner Occupied $ 16,848 $ 19,873 $ 16,290 $ 14,117 $ 8,288 $ 5,011 $ 3,103 $ 148 $ 83,678 Performing Loans 16,848 19,873 16,232 14,117 8,288 4,956 3,103 148 83,565 Non-Performing Loans — — 58 — — 55 — — 113 Land Development $ 9,457 $ 9,359 $ 5,910 $ 3,191 $ 4,013 $ 1,565 $ 2,695 $ 75 $ 36,265 Performing Loans 9,457 9,359 5,910 3,181 4,013 1,522 2,695 75 36,212 Non-Performing Loans — — — 10 — 43 — — 53 Installment loans to individuals $ 59,631 $ 81,611 $ 15,836 $ 4,842 $ 2,856 $ 1,915 $ 10,363 $ 91 $ 177,145 Performing Loans 59,621 81,507 15,730 4,821 2,804 1,914 10,360 91 176,848 Non-Performing Loans 10 104 106 21 52 1 3 — 297 Total loans not subject to risk rating $ 592,684 $ 613,653 $ 407,418 $ 291,637 $ 163,370 $ 257,457 $ 664,039 $ 4,298 $ 2,994,556 Performing Loans 592,674 610,945 403,951 289,118 162,350 254,407 663,420 4,004 2,980,869 Non-Performing Loans 10 2,708 3,467 2,519 1,020 3,050 619 294 13,687 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ 727 $ 36,120 $ 33,922 $ 29,041 $ 25,136 $ 65,214 $ 1,712 $ 191,872 Pass — 727 23,006 25,516 22,081 20,778 55,670 628 148,406 Pass-Watch — — 10 1,270 1,499 584 676 — 4,039 Substandard — — 13,104 7,136 5,461 3,774 8,868 1,084 39,427 Real Estate - Construction $ — $ — $ 10,887 $ 9,268 $ 14,091 $ — $ — $ — $ 34,246 Residential $ — $ — $ 2,203 $ 207 $ 683 $ — $ — $ — $ 3,093 Pass — — 2,203 207 683 — — — 3,093 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Commercial $ — $ — $ 8,684 $ 9,061 $ 13,408 $ — $ — $ — $ 31,153 Pass — — 8,684 9,061 13,408 — — — 31,153 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ — $ 14,029 $ 9,639 $ 2,012 $ 40,034 $ 2,653 $ 253 $ 68,620 Primary $ — $ — $ 7,734 $ 5,163 $ 611 $ 17,809 $ 249 $ — $ 31,566 Pass — — 6,438 5,163 604 12,904 249 — 25,358 Pass-Watch — — — — — 314 — — 314 Substandard — — 1,296 — 7 4,591 — — 5,894 Home Equity $ — $ — $ — $ — $ — $ — $ 943 $ 253 $ 1,196 Pass — — — — — — 221 — 221 Pass-Watch — — — — — — — — — Substandard — — — — — — 722 253 975 Rental/Investment $ — $ — $ — $ 1,904 $ 316 $ 19,013 $ — $ — $ 21,233 Pass — — — 1,904 316 16,511 — — 18,731 Pass-Watch — — — — — 201 — — 201 Substandard — — — — — 2,301 — — 2,301 Land Development $ — $ — $ 6,295 $ 2,572 $ 1,085 $ 3,212 $ 1,461 $ — $ 14,625 Pass — — 6,295 2,549 1,085 1,842 1,461 — 13,232 Pass-Watch — — — — — — — — — Substandard — — — 23 — 1,370 — — 1,393 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Real Estate - Commercial Mortgage $ — $ — $ 77,627 $ 158,074 $ 180,313 $ 482,175 $ 21,918 $ 4,684 $ 924,791 Owner-Occupied $ — $ — $ 14,819 $ 34,515 $ 63,851 $ 204,177 $ 15,144 $ 2 $ 332,508 Pass — — 12,732 31,558 44,681 157,159 4,987 — 251,117 Pass-Watch — — 2,087 1,615 11,202 24,427 — — 39,331 Substandard — — — 1,342 7,968 22,591 10,157 2 42,060 Non-Owner Occupied $ — $ — $ 56,269 $ 119,256 $ 113,496 $ 264,440 $ 6,596 $ 4,682 $ 564,739 Pass — — 31,398 87,363 69,930 219,100 6,596 — 414,387 Pass-Watch — — 8,504 24,215 30,691 33,749 — 4,682 101,841 Substandard — — 16,367 7,678 12,875 11,591 — — 48,511 Land Development $ — $ — $ 6,539 $ 4,303 $ 2,966 $ 13,558 $ 178 $ — $ 27,544 Pass — — 5,665 4,249 2,785 6,000 66 — 18,765 Pass-Watch — — 874 54 44 6,141 112 — 7,225 Substandard — — — — 137 1,417 — — 1,554 Total loans subject to risk rating $ — $ 727 $ 138,663 $ 210,903 $ 225,457 $ 547,346 $ 89,785 $ 6,649 $ 1,219,530 Pass — 727 96,421 167,570 155,573 434,295 69,250 628 924,464 Pass-Watch — — 11,475 27,154 43,436 65,416 788 4,682 152,951 Substandard — — 30,767 16,179 26,448 47,635 19,747 1,339 142,115 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating by origination date: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ — $ 491 $ 355 $ 330 $ 2,846 $ 6,825 $ 49 $ 10,896 Performing Loans — — 491 355 330 2,846 6,825 49 10,896 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential $ — $ — $ — $ — $ — $ — $ — $ — $ — Performing Loans — — — — — — — — — Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ 375 $ 3,264 $ 43,061 $ 32,608 $ 156,497 $ 84,500 $ 2,177 $ 322,482 Primary $ — $ 250 $ 2,029 $ 38,366 $ 30,249 $ 142,336 $ 461 $ 112 $ 213,803 Performing Loans — 250 1,918 37,605 30,227 137,837 461 26 208,324 Non-Performing Loans — — 111 761 22 4,499 — 86 5,479 Home Equity $ — $ — $ 744 $ 4,472 $ 1,799 $ 1,040 $ 83,919 $ 2,065 $ 94,039 Performing Loans — — 744 4,472 1,799 973 83,274 1,640 92,902 Non-Performing Loans — — — — — 67 645 425 1,137 Rental/Investment $ — $ 125 $ — $ 150 $ 203 $ 11,736 $ 120 $ — $ 12,334 Performing Loans — 125 — 150 203 11,632 120 — 12,230 Non-Performing Loans — — — — — 104 — — 104 Land Development $ — $ — $ 491 $ 73 $ 357 $ 1,385 $ — $ — $ 2,306 Performing Loans — — 491 30 118 1,385 — — 2,024 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Non-Performing Loans — — — 43 239 — — — 282 Real Estate - Commercial Mortgage $ — $ 339 $ 620 $ 1,339 $ 998 $ 36,416 $ 1,864 $ — $ 41,576 Owner-Occupied $ — $ — $ — $ 955 $ 670 $ 20,457 $ 1,404 $ — $ 23,486 Performing Loans — — — 955 670 20,175 1,404 — 23,204 Non-Performing Loans — — — — — 282 — — 282 Non-Owner Occupied $ — $ 339 $ 463 $ 50 $ 67 $ 11,854 $ 167 $ — $ 12,940 Performing Loans — 339 463 50 67 11,656 167 — 12,742 Non-Performing Loans — — — — — 198 — — 198 Land Development $ — $ — $ 157 $ 334 $ 261 $ 4,105 $ 293 $ — $ 5,150 Performing Loans — — 157 334 261 4,044 293 — 5,089 Non-Performing Loans — — — — — 61 — — 61 Installment loans to individuals $ — $ — $ 39,966 $ 17,061 $ 1,265 $ 4,497 $ 3,206 $ 35 $ 66,030 Performing Loans — — 39,901 16,985 1,187 4,375 3,206 35 65,689 Non-Performing Loans — — 65 76 78 122 — — 341 Total loans not subject to risk rating $ — $ 714 $ 44,341 $ 61,816 $ 35,201 $ 200,256 $ 96,395 $ 2,261 $ 440,984 Performing Loans — 714 44,165 60,936 34,862 194,923 95,750 1,750 433,100 Non-Performing Loans — — 176 880 339 5,333 645 511 7,884 The following disclosures are presented under GAAP in effect prior to the adoption of CECL. The Company has included these disclosures to address the applicable prior period. A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above in Note 3, “Non Purchased Loans,” and is applicable to these tables. The following table presents the Company’s loan portfolio by internal risk-rating grades as of the date presented: Pass Pass-Watch Substandard Total December 31, 2019 Commercial, financial, agricultural $ 259,760 $ 7,166 $ 5,220 $ 272,146 Real estate – construction 48,994 — — 48,994 Real estate – 1-4 family mortgage 78,105 791 3,935 82,831 Real estate – commercial mortgage 909,513 56,334 15,835 981,682 Installment loans to individuals — — — — Total $ 1,296,372 $ 64,291 $ 24,990 $ 1,385,653
Loan portfolio not subject to risk rating	The following table presents the Company’s loan portfolio by internal risk-rating grades as of the date presented: Pass Pass-Watch Substandard Total December 31, 2019 Commercial, financial, agricultural $ 779,798 $ 11,949 $ 11,715 $ 803,462 Real estate – construction 698,950 501 9,209 708,660 Real estate – 1-4 family mortgage 339,079 3,856 3,572 346,507 Real estate – commercial mortgage 2,737,629 31,867 26,711 2,796,207 Installment loans to individuals 6 — — 6 Total $ 4,555,462 $ 48,173 $ 51,207 $ 4,654,842 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the date presented: Performing Non- Total December 31, 2019 Commercial, financial, agricultural $ 247,575 $ 1,316 $ 248,891 Lease financing 81,649 226 81,875 Real estate – construction 66,241 — 66,241 Real estate – 1-4 family mortgage 1,992,331 11,288 2,003,619 Real estate – commercial mortgage 330,714 1,955 332,669 Installment loans to individuals 199,549 288 199,837 Total $ 2,918,059 $ 15,073 $ 2,933,132 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the date presented: Performing Non- Total December 31, 2019 Commercial, financial, agricultural $ 13,935 $ — $ 13,935 Real estate – construction 1,725 — 1,725 Real estate – 1-4 family mortgage 394,476 3,638 398,114 Real estate – commercial mortgage 30,472 101 30,573 Installment loans to individuals 99,139 261 99,400 Total $ 539,747 $ 4,000 $ 543,747
Impaired loans	Loans formerly accounted for under FASB ASC 310-20, “Nonrefundable Fees and Other Cost” (“ASC 310-20”), and which are impaired loans recognized in conformity with ASC 310, “Receivables” (“ASC 310”), segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 6,623 $ 5,722 $ — $ 5,722 $ 1,222 Lease financing 226 226 — 226 3 Real estate – construction 9,145 — 9,145 9,145 — Real estate – 1-4 family mortgage 14,018 13,689 — 13,689 143 Real estate – commercial mortgage 11,067 7,361 1,080 8,441 390 Installment loans to individuals 91 84 — 84 1 Totals $ 41,170 $ 27,082 $ 10,225 $ 37,307 $ 1,759 The following table presents the average recorded investment and interest income recognized on loans formerly accounted for under ASC 310-20 and which are impaired loans for the periods presented: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Interest Average Interest Commercial, financial, agricultural $ 5,705 $ 5 $ 5,656 $ 23 Lease financing — — — — Real estate – construction 12,128 111 11,756 321 Real estate – 1-4 family mortgage 12,203 50 12,323 153 Real estate – commercial mortgage 10,692 41 10,652 122 Installment loans to individuals 130 — 130 1 Total $ 40,858 $ 207 $ 40,517 $ 620 Loans formerly accounted for under ASC 310-20, and which are impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 2,979 $ 1,837 $ 901 $ 2,738 $ 212 Real estate – construction 3,269 2,499 772 3,271 16 Real estate – 1-4 family mortgage 7,464 2,801 3,772 6,573 17 Real estate – commercial mortgage 1,148 981 128 1,109 6 Installment loans to individuals 202 110 71 181 2 Totals $ 15,062 $ 8,228 $ 5,644 $ 13,872 $ 253 Loans formerly accounted for under ASC 310-30, and which are impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 49,162 $ 3,695 $ 25,843 $ 29,538 $ 292 Real estate – construction 882 — 863 863 — Real estate – 1-4 family mortgage 42,969 10,061 25,482 35,543 291 Real estate – commercial mortgage 119,929 52,501 50,632 103,133 1,386 Installment loans to individuals 5,411 640 2,547 3,187 2 Totals $ 218,353 $ 66,897 $ 105,367 $ 172,264 $ 1,971

Purchased Loans (Tables)

Purchased Loans (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Summary of purchased loans	The following is a summary of non purchased loans and leases as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,445,294 $ 1,052,353 Lease financing 87,257 85,700 Real estate – construction: Residential 261,432 272,643 Commercial 477,441 502,258 Total real estate – construction 738,873 774,901 Real estate – 1-4 family mortgage: Primary 1,517,528 1,449,219 Home equity 442,380 456,265 Rental/investment 272,811 291,931 Land development 136,573 152,711 Total real estate – 1-4 family mortgage 2,369,292 2,350,126 Real estate – commercial mortgage: Owner-occupied 1,316,408 1,209,204 Non-owner occupied 2,176,562 1,803,587 Land development 117,672 116,085 Total real estate – commercial mortgage 3,610,642 3,128,876 Installment loans to individuals 177,195 199,843 Gross loans 9,428,553 7,591,799 Unearned income (4,329) (3,825) Loans, net of unearned income $ 9,424,224 $ 7,587,974 The following is a summary of purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 202,768 $ 315,619 Real estate – construction: Residential 3,093 16,407 Commercial 31,153 35,175 Total real estate – construction 34,246 51,582 Real estate – 1-4 family mortgage: Primary 245,369 332,729 Home equity 95,235 117,275 Rental/investment 33,567 43,169 Land development 16,931 23,314 Total real estate – 1-4 family mortgage 391,102 516,487 Real estate – commercial mortgage: Owner-occupied 355,994 428,077 Non-owner occupied 577,679 647,308 Land development 32,694 40,004 Total real estate – commercial mortgage 966,367 1,115,389 Installment loans to individuals 66,031 102,587 Loans $ 1,660,514 $ 2,101,664 The following is a summary of total non purchased and purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,648,062 $ 1,367,972 Lease financing 87,257 85,700 Real estate – construction: Residential 264,525 289,050 Commercial 508,594 537,433 Total real estate – construction 773,119 826,483 Real estate – 1-4 family mortgage: Primary 1,762,897 1,781,948 Home equity 537,615 573,540 Rental/investment 306,378 335,100 Land development 153,504 176,025 Total real estate – 1-4 family mortgage 2,760,394 2,866,613 Real estate – commercial mortgage: Owner-occupied 1,672,402 1,637,281 Non-owner occupied 2,754,241 2,450,895 Land development 150,366 156,089 Total real estate – commercial mortgage 4,577,009 4,244,265 Installment loans to individuals 243,226 302,430 Gross loans 11,089,067 9,693,463 Unearned income (4,329) (3,825) Loans, net of unearned income 11,084,738 9,689,638 Allowance for credit losses on loans (168,098) (52,162) Net loans $ 10,916,640 $ 9,637,476
Aging of past due and nonaccrual loans	The following table provides an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 876 $ 288 $ 2,439,040 $ 2,440,204 $ 650 $ 2,666 $ 1,774 $ 5,090 $ 2,445,294 Lease financing — — 87,257 87,257 — — — — 87,257 Real estate – construction: Residential 988 — 260,444 261,432 — — — — 261,432 Commercial — — 477,441 477,441 — — — — 477,441 Total real estate – construction 988 — 737,885 738,873 — — — — 738,873 Real estate – 1-4 family mortgage: Primary 1,795 1,098 1,505,737 1,508,630 347 3,031 5,520 8,898 1,517,528 Home equity 1,001 16 440,820 441,837 — 92 451 543 442,380 Rental/investment 1,334 207 270,995 272,536 7 178 90 275 272,811 Land development 60 — 136,468 136,528 — 12 33 45 136,573 Total real estate – 1-4 family mortgage 4,190 1,321 2,354,020 2,359,531 354 3,313 6,094 9,761 2,369,292 Real estate – commercial mortgage: Owner-occupied 1,034 1 1,312,024 1,313,059 178 2,895 276 3,349 1,316,408 Non-owner occupied 1,986 — 2,174,154 2,176,140 58 309 55 422 2,176,562 Land development 257 43 117,287 117,587 — 39 46 85 117,672 Total real estate – commercial mortgage 3,277 44 3,603,465 3,606,786 236 3,243 377 3,856 3,610,642 Installment loans to individuals 923 173 175,975 177,071 6 84 34 124 177,195 Unearned income — — (4,329) (4,329) — — — — (4,329) Loans, net of unearned income $ 10,254 $ 1,826 $ 9,393,313 $ 9,405,393 $ 1,246 $ 9,306 $ 8,279 $ 18,831 $ 9,424,224 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 605 $ 476 $ 1,045,802 $ 1,046,883 $ 387 $ 5,023 $ 60 $ 5,470 $ 1,052,353 Lease financing — — 85,474 85,474 — 226 — 226 85,700 Real estate – construction 794 — 774,107 774,901 — — — — 774,901 Real estate – 1-4 family mortgage 18,020 2,502 2,320,328 2,340,850 623 6,571 2,082 9,276 2,350,126 Real estate – commercial mortgage 2,362 276 3,119,785 3,122,423 372 4,655 1,426 6,453 3,128,876 Installment loans to individuals 1,000 204 198,555 199,759 — 17 67 84 199,843 Unearned income — — (3,825) (3,825) — — — — (3,825) Total loans, net $ 22,781 $ 3,458 $ 7,540,226 $ 7,566,465 $ 1,382 $ 16,492 $ 3,635 $ 21,509 $ 7,587,974 The following tables provide an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented: Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total September 30, 2020 Commercial, financial, agricultural $ 1,056 $ 36 $ 189,668 $ 190,760 $ 1,655 $ 6,233 $ 4,120 $ 12,008 $ 202,768 Real estate – construction: Residential — — 3,093 3,093 — — — — 3,093 Commercial — — 31,153 31,153 — — — — 31,153 Total real estate – construction — — 34,246 34,246 — — — — 34,246 Real estate – 1-4 family mortgage: Primary 845 64 238,937 239,846 329 2,794 2,400 5,523 245,369 Home equity 839 114 93,006 93,959 — 629 647 1,276 95,235 Rental/investment 356 — 32,409 32,765 — 708 94 802 33,567 Land development — — 16,581 16,581 — 29 321 350 16,931 Total real estate – 1-4 family mortgage 2,040 178 380,933 383,151 329 4,160 3,462 7,951 391,102 Real estate – commercial mortgage: Owner-occupied 851 — 351,688 352,539 505 891 2,059 3,455 355,994 Non-owner occupied 438 54 576,462 576,954 144 571 10 725 577,679 Land development 161 — 32,142 32,303 — 164 227 391 32,694 Total real estate – commercial mortgage 1,450 54 960,292 961,796 649 1,626 2,296 4,571 966,367 Installment loans to individuals 1,844 50 63,846 65,740 9 123 159 291 66,031 Loans, net of unearned income $ 6,390 $ 318 $ 1,628,985 $ 1,635,693 $ 2,642 $ 12,142 $ 10,037 $ 24,821 $ 1,660,514 Accruing Loans Nonaccruing Loans 30-89 Days 90 Days Current Total 30-89 Days 90 Days Current Total Total December 31, 2019 Commercial, financial, agricultural $ 1,889 $ 998 $ 311,218 $ 314,105 $ — $ 1,246 $ 268 $ 1,514 $ 315,619 Real estate – construction 319 — 51,263 51,582 — — — — 51,582 Real estate – 1-4 family mortgage 5,516 2,244 503,826 511,586 605 2,762 1,534 4,901 516,487 Real estate – commercial mortgage 3,454 922 1,110,570 1,114,946 — 123 320 443 1,115,389 Installment loans to individuals 3,709 153 98,545 102,407 1 51 128 180 102,587 Total Loans, net $ 14,887 $ 4,317 $ 2,075,422 $ 2,094,626 $ 606 $ 4,182 $ 2,250 $ 7,038 $ 2,101,664
Impact of modifications classified as restructured loans	The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Commercial, financial, agricultural 1 $ 31 $ 31 Real estate – 1-4 family mortgage: Primary 2 201 200 Rental/investment 1 33 32 Total real estate – 1-4 family mortgage 3 234 232 Real estate – commercial mortgage: Owner-occupied 2 357 357 Non-owner occupied 2 210 210 Total real estate – commercial mortgage 4 567 567 Total 8 $ 832 $ 830 Three months ended September 30, 2019 Real estate – 1-4 family mortgage 1 $ 16 $ 16 Total 1 $ 16 $ 16 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 7 $ 1,862 $ 1,859 Real estate – 1-4 family mortgage: Primary 17 2,356 2,363 Rental/investment 2 142 142 Total real estate – 1-4 family mortgage 19 2,498 2,505 Real estate – commercial mortgage: Owner-occupied 3 3,019 2,970 Non-owner occupied 2 210 210 Land development 1 189 189 Total real estate – commercial mortgage 6 3,418 3,369 Installment loans to individuals 2 24 21 Total 34 $ 7,802 $ 7,754 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 187 $ 185 Real estate – 1-4 family mortgage 4 321 320 Total 6 $ 508 $ 505 The tables below illustrate the impact of modifications classified as restructured loans which were made during the periods presented and held on the Consolidated Balance Sheets at the respective period end. Number of Pre- Post- Three months ended September 30, 2020 Real estate – 1-4 family mortgage: Primary 2 44 44 Total real estate – 1-4 family mortgage 2 44 44 Real estate – commercial mortgage: Owner-occupied 4 3,104 2,844 Total real estate – commercial mortgage 4 3,104 2,844 Total 6 $ 3,148 $ 2,888 Three months ended September 30, 2019 Commercial, financial, agricultural 1 $ 258 $ 258 Real estate – 1-4 family mortgage 1 34 34 Total 2 $ 292 $ 292 Number of Pre- Post- Nine months ended September 30, 2020 Commercial, financial, agricultural 1 $ 1,029 $ 1,031 Real estate – 1-4 family mortgage: Primary 4 334 227 Home equity 1 159 162 Total real estate – 1-4 family mortgage 5 493 389 Real estate – commercial mortgage: Owner-occupied 5 3,173 2,913 Non-owner occupied 1 542 544 Total real estate – commercial mortgage 6 3,715 3,457 Installment loans to individuals 1 25 19 Total 13 $ 5,262 $ 4,896 Nine months ended September 30, 2019 Commercial, financial, agricultural 2 $ 2,778 $ 2,778 Real estate – 1-4 family mortgage 1 34 34 Real estate – commercial mortgage 1 80 76 Total 4 $ 2,892 $ 2,888
Changes in restructured loans	Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 46 $ 4,679 Additional advances or loans with concessions 34 7,787 Reclassified as performing restructured loan 3 354 Reductions due to: Reclassified as nonperforming (2) (510) Paid in full (4) (938) Principal paydowns — (200) Totals at September 30, 2020 77 $ 11,172 Changes in the Company’s restructured loans are set forth in the table below: Number of Recorded Totals at January 1, 2020 54 $ 7,275 Additional advances or loans with concessions 13 5,159 Reclassified as performing restructured loan 1 74 Reductions due to: Reclassified to nonperforming loans (13) (2,489) Paid in full (2) (422) Charge-offs (1) (3) Principal paydowns — (444) Totals at September 30, 2020 52 $ 9,150
Loan portfolio by risk-rating grades	The following table presents the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 1,496,869 $ 208,462 $ 82,029 $ 55,271 $ 21,981 $ 25,284 $ 249,974 $ 12,539 $ 2,152,409 Pass 1,490,637 184,292 77,209 47,560 17,411 23,379 234,139 10,846 2,085,473 Pass-Watch 5,841 23,483 3,318 6,056 4,177 178 11,352 796 55,201 Substandard 391 687 1,502 1,655 393 1,727 4,483 897 11,735 Real Estate - Construction $ 292,840 $ 277,380 $ 60,321 $ 27,528 $ — $ — $ 14,687 $ 145 $ 672,901 Residential $ 144,193 $ 37,303 $ 2,805 $ — $ — $ — $ 14,175 $ 145 $ 198,621 Pass 143,398 37,239 2,805 — — — 14,175 145 197,762 Pass-Watch 795 — — — — — — — 795 Substandard — 64 — — — — — — 64 Commercial $ 148,647 $ 240,077 $ 57,516 $ 27,528 $ — $ — $ 512 $ — $ 474,280 Pass 143,920 222,291 57,516 27,528 — — 512 — 451,767 Pass-Watch 4,727 17,786 — — — — — — 22,513 Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 93,050 $ 90,316 $ 54,193 $ 35,024 $ 15,897 $ 11,028 $ 16,565 $ 2,411 $ 318,484 Primary $ 7,847 $ 7,610 $ 7,659 $ 5,548 $ 427 $ 2,099 $ 416 $ — $ 31,606 Pass 7,847 7,328 7,659 5,548 427 2,083 416 — 31,308 Pass-Watch — 162 — — — — — — 162 Substandard — 120 — — — 16 — — 136 Home Equity $ 97 $ 565 $ — $ — $ — $ — $ 10,563 $ — $ 11,225 Pass 97 565 — — — — 10,438 — 11,100 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Pass-Watch — — — — — — 125 — 125 Substandard — — — — — — — — — Rental/Investment $ 37,906 $ 38,376 $ 32,752 $ 29,097 $ 15,247 $ 8,516 $ 1,260 $ 570 $ 163,724 Pass 35,900 36,978 31,584 27,640 15,142 7,714 1,169 570 156,697 Pass-Watch 1,816 456 434 1,390 — 603 91 — 4,790 Substandard 190 942 734 67 105 199 — — 2,237 Land Development $ 47,200 $ 43,765 $ 13,782 $ 379 $ 223 $ 413 $ 4,326 $ 1,841 $ 111,929 Pass 47,200 43,125 13,782 379 217 375 4,322 1,841 111,241 Pass-Watch — — — — — 38 4 — 42 Substandard — 640 — — 6 — — — 646 Real Estate - Commercial Mortgage $ 674,040 $ 853,569 $ 495,652 $ 448,059 $ 387,416 $ 329,400 $ 79,338 $ 18,350 $ 3,285,824 Owner-Occupied $ 187,846 $ 272,468 $ 208,303 $ 186,479 $ 125,496 $ 101,549 $ 23,588 $ 5,804 $ 1,111,533 Pass 174,500 261,499 175,671 159,656 99,871 86,635 18,854 5,804 982,490 Pass-Watch 13,311 10,202 27,468 22,250 22,470 13,178 3,126 — 112,005 Substandard 35 767 5,164 4,573 3,155 1,736 1,608 — 17,038 Non-Owner Occupied $ 462,691 $ 555,163 $ 273,430 $ 256,342 $ 256,794 $ 223,031 $ 52,887 $ 12,546 $ 2,092,884 Pass 428,272 502,778 235,155 171,441 190,683 164,334 46,252 12,427 1,751,342 Pass-Watch 32,584 50,069 38,275 83,315 52,461 57,785 6,635 119 321,243 Substandard 1,835 2,316 — 1,586 13,650 912 — — 20,299 Land Development $ 23,503 $ 25,938 $ 13,919 $ 5,238 $ 5,126 $ 4,820 $ 2,863 $ — $ 81,407 Pass 21,084 25,070 12,617 5,165 3,539 4,820 2,863 — 75,158 Pass-Watch 263 868 1,302 73 — — — — 2,506 Substandard 2,156 — — — 1,587 — — — 3,743 Installment loans to individuals $ 25 $ 5 $ — $ — $ — $ — $ — $ 20 $ 50 Pass 25 5 — — — — — 20 50 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Total loans subject to risk rating $ 2,556,824 $ 1,429,732 $ 692,195 $ 565,882 $ 425,294 $ 365,712 $ 360,564 $ 33,465 $ 6,429,668 Pass 2,492,880 1,321,170 613,998 444,917 327,290 289,340 333,140 31,653 5,854,388 Pass-Watch 59,337 103,026 70,797 113,084 79,108 71,782 21,333 915 519,382 Substandard 4,607 5,536 7,400 7,881 18,896 4,590 6,091 897 55,898 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ 26,726 $ 19,164 $ 12,105 $ 7,487 $ 3,440 $ 12,258 $ 211,383 $ 322 $ 292,885 Performing Loans 26,726 19,052 12,049 7,107 3,291 12,235 210,916 322 291,698 Non-Performing Loans — 112 56 380 149 23 467 — 1,187 Lease Financing Receivables $ 27,278 $ 27,274 $ 18,993 $ 5,056 $ 1,836 $ 2,491 $ — $ — $ 82,928 Performing Loans 27,278 27,274 18,993 5,056 1,836 2,491 — — 82,928 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ 37,614 $ 27,562 $ 295 $ 155 $ — $ — $ 346 $ — $ 65,972 Residential $ 36,288 $ 25,727 $ 295 $ 155 $ — $ — $ 346 $ — $ 62,811 Performing Loans 36,288 25,727 295 155 — — 346 — 62,811 Non-Performing Loans — — — — — — — — — Commercial $ 1,326 $ 1,835 $ — $ — $ — $ — $ — $ — $ 3,161 Performing Loans 1,326 1,835 — — — — — — 3,161 Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ 378,741 $ 381,768 $ 298,572 $ 223,228 $ 116,088 $ 218,792 $ 430,273 $ 3,346 $ 2,050,808 Primary $ 342,912 $ 353,445 $ 274,097 $ 200,836 $ 101,959 $ 211,184 $ 1,443 $ 46 $ 1,485,922 Performing Loans 342,912 351,059 271,076 199,061 101,238 209,090 1,443 46 1,475,925 Non-Performing Loans — 2,386 3,021 1,775 721 2,094 — — 9,997 Home Equity $ — $ 205 $ 377 $ 179 $ 45 $ 965 $ 426,583 $ 2,801 $ 431,155 Performing Loans — 205 377 179 45 848 426,434 2,507 430,595 Non-Performing Loans — — — — — 117 149 294 560 Rental/Investment $ 24,840 $ 22,936 $ 20,378 $ 19,980 $ 12,950 $ 6,007 $ 1,497 $ 499 $ 109,087 Performing Loans 24,840 22,830 20,378 19,859 12,943 5,759 1,497 499 108,605 Non-Performing Loans — 106 — 121 7 248 — — 482 Land Development $ 10,989 $ 5,182 $ 3,720 $ 2,233 $ 1,134 $ 636 $ 750 $ — $ 24,644 Performing Loans 10,989 5,182 3,708 2,200 1,134 636 750 — 24,599 Non-Performing Loans — — 12 33 — — — — 45 Real Estate - Commercial Mortgage $ 62,694 $ 76,274 $ 61,617 $ 50,869 $ 39,150 $ 22,001 $ 11,674 $ 539 $ 324,818 Owner-Occupied $ 36,389 $ 47,042 $ 39,417 $ 33,561 $ 26,849 $ 15,425 $ 5,876 $ 316 $ 204,875 Performing Loans 36,389 47,042 39,203 33,382 26,758 14,956 5,876 316 203,922 Non-Performing Loans — — 214 179 91 469 — — 953 Non-Owner Occupied $ 16,848 $ 19,873 $ 16,290 $ 14,117 $ 8,288 $ 5,011 $ 3,103 $ 148 $ 83,678 Performing Loans 16,848 19,873 16,232 14,117 8,288 4,956 3,103 148 83,565 Non-Performing Loans — — 58 — — 55 — — 113 Land Development $ 9,457 $ 9,359 $ 5,910 $ 3,191 $ 4,013 $ 1,565 $ 2,695 $ 75 $ 36,265 Performing Loans 9,457 9,359 5,910 3,181 4,013 1,522 2,695 75 36,212 Non-Performing Loans — — — 10 — 43 — — 53 Installment loans to individuals $ 59,631 $ 81,611 $ 15,836 $ 4,842 $ 2,856 $ 1,915 $ 10,363 $ 91 $ 177,145 Performing Loans 59,621 81,507 15,730 4,821 2,804 1,914 10,360 91 176,848 Non-Performing Loans 10 104 106 21 52 1 3 — 297 Total loans not subject to risk rating $ 592,684 $ 613,653 $ 407,418 $ 291,637 $ 163,370 $ 257,457 $ 664,039 $ 4,298 $ 2,994,556 Performing Loans 592,674 610,945 403,951 289,118 162,350 254,407 663,420 4,004 2,980,869 Non-Performing Loans 10 2,708 3,467 2,519 1,020 3,050 619 294 13,687 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ 727 $ 36,120 $ 33,922 $ 29,041 $ 25,136 $ 65,214 $ 1,712 $ 191,872 Pass — 727 23,006 25,516 22,081 20,778 55,670 628 148,406 Pass-Watch — — 10 1,270 1,499 584 676 — 4,039 Substandard — — 13,104 7,136 5,461 3,774 8,868 1,084 39,427 Real Estate - Construction $ — $ — $ 10,887 $ 9,268 $ 14,091 $ — $ — $ — $ 34,246 Residential $ — $ — $ 2,203 $ 207 $ 683 $ — $ — $ — $ 3,093 Pass — — 2,203 207 683 — — — 3,093 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Commercial $ — $ — $ 8,684 $ 9,061 $ 13,408 $ — $ — $ — $ 31,153 Pass — — 8,684 9,061 13,408 — — — 31,153 Pass-Watch — — — — — — — — — Substandard — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ — $ 14,029 $ 9,639 $ 2,012 $ 40,034 $ 2,653 $ 253 $ 68,620 Primary $ — $ — $ 7,734 $ 5,163 $ 611 $ 17,809 $ 249 $ — $ 31,566 Pass — — 6,438 5,163 604 12,904 249 — 25,358 Pass-Watch — — — — — 314 — — 314 Substandard — — 1,296 — 7 4,591 — — 5,894 Home Equity $ — $ — $ — $ — $ — $ — $ 943 $ 253 $ 1,196 Pass — — — — — — 221 — 221 Pass-Watch — — — — — — — — — Substandard — — — — — — 722 253 975 Rental/Investment $ — $ — $ — $ 1,904 $ 316 $ 19,013 $ — $ — $ 21,233 Pass — — — 1,904 316 16,511 — — 18,731 Pass-Watch — — — — — 201 — — 201 Substandard — — — — — 2,301 — — 2,301 Land Development $ — $ — $ 6,295 $ 2,572 $ 1,085 $ 3,212 $ 1,461 $ — $ 14,625 Pass — — 6,295 2,549 1,085 1,842 1,461 — 13,232 Pass-Watch — — — — — — — — — Substandard — — — 23 — 1,370 — — 1,393 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Real Estate - Commercial Mortgage $ — $ — $ 77,627 $ 158,074 $ 180,313 $ 482,175 $ 21,918 $ 4,684 $ 924,791 Owner-Occupied $ — $ — $ 14,819 $ 34,515 $ 63,851 $ 204,177 $ 15,144 $ 2 $ 332,508 Pass — — 12,732 31,558 44,681 157,159 4,987 — 251,117 Pass-Watch — — 2,087 1,615 11,202 24,427 — — 39,331 Substandard — — — 1,342 7,968 22,591 10,157 2 42,060 Non-Owner Occupied $ — $ — $ 56,269 $ 119,256 $ 113,496 $ 264,440 $ 6,596 $ 4,682 $ 564,739 Pass — — 31,398 87,363 69,930 219,100 6,596 — 414,387 Pass-Watch — — 8,504 24,215 30,691 33,749 — 4,682 101,841 Substandard — — 16,367 7,678 12,875 11,591 — — 48,511 Land Development $ — $ — $ 6,539 $ 4,303 $ 2,966 $ 13,558 $ 178 $ — $ 27,544 Pass — — 5,665 4,249 2,785 6,000 66 — 18,765 Pass-Watch — — 874 54 44 6,141 112 — 7,225 Substandard — — — — 137 1,417 — — 1,554 Total loans subject to risk rating $ — $ 727 $ 138,663 $ 210,903 $ 225,457 $ 547,346 $ 89,785 $ 6,649 $ 1,219,530 Pass — 727 96,421 167,570 155,573 434,295 69,250 628 924,464 Pass-Watch — — 11,475 27,154 43,436 65,416 788 4,682 152,951 Substandard — — 30,767 16,179 26,448 47,635 19,747 1,339 142,115 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating by origination date: Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total September 30, 2020 Commercial, Financial, Agricultural $ — $ — $ 491 $ 355 $ 330 $ 2,846 $ 6,825 $ 49 $ 10,896 Performing Loans — — 491 355 330 2,846 6,825 49 10,896 Non-Performing Loans — — — — — — — — — Real Estate - Construction $ — $ — $ — $ — $ — $ — $ — $ — $ — Residential $ — $ — $ — $ — $ — $ — $ — $ — $ — Performing Loans — — — — — — — — — Non-Performing Loans — — — — — — — — — Real Estate - 1-4 Family Mortgage $ — $ 375 $ 3,264 $ 43,061 $ 32,608 $ 156,497 $ 84,500 $ 2,177 $ 322,482 Primary $ — $ 250 $ 2,029 $ 38,366 $ 30,249 $ 142,336 $ 461 $ 112 $ 213,803 Performing Loans — 250 1,918 37,605 30,227 137,837 461 26 208,324 Non-Performing Loans — — 111 761 22 4,499 — 86 5,479 Home Equity $ — $ — $ 744 $ 4,472 $ 1,799 $ 1,040 $ 83,919 $ 2,065 $ 94,039 Performing Loans — — 744 4,472 1,799 973 83,274 1,640 92,902 Non-Performing Loans — — — — — 67 645 425 1,137 Rental/Investment $ — $ 125 $ — $ 150 $ 203 $ 11,736 $ 120 $ — $ 12,334 Performing Loans — 125 — 150 203 11,632 120 — 12,230 Non-Performing Loans — — — — — 104 — — 104 Land Development $ — $ — $ 491 $ 73 $ 357 $ 1,385 $ — $ — $ 2,306 Performing Loans — — 491 30 118 1,385 — — 2,024 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Total Non-Performing Loans — — — 43 239 — — — 282 Real Estate - Commercial Mortgage $ — $ 339 $ 620 $ 1,339 $ 998 $ 36,416 $ 1,864 $ — $ 41,576 Owner-Occupied $ — $ — $ — $ 955 $ 670 $ 20,457 $ 1,404 $ — $ 23,486 Performing Loans — — — 955 670 20,175 1,404 — 23,204 Non-Performing Loans — — — — — 282 — — 282 Non-Owner Occupied $ — $ 339 $ 463 $ 50 $ 67 $ 11,854 $ 167 $ — $ 12,940 Performing Loans — 339 463 50 67 11,656 167 — 12,742 Non-Performing Loans — — — — — 198 — — 198 Land Development $ — $ — $ 157 $ 334 $ 261 $ 4,105 $ 293 $ — $ 5,150 Performing Loans — — 157 334 261 4,044 293 — 5,089 Non-Performing Loans — — — — — 61 — — 61 Installment loans to individuals $ — $ — $ 39,966 $ 17,061 $ 1,265 $ 4,497 $ 3,206 $ 35 $ 66,030 Performing Loans — — 39,901 16,985 1,187 4,375 3,206 35 65,689 Non-Performing Loans — — 65 76 78 122 — — 341 Total loans not subject to risk rating $ — $ 714 $ 44,341 $ 61,816 $ 35,201 $ 200,256 $ 96,395 $ 2,261 $ 440,984 Performing Loans — 714 44,165 60,936 34,862 194,923 95,750 1,750 433,100 Non-Performing Loans — — 176 880 339 5,333 645 511 7,884 The following disclosures are presented under GAAP in effect prior to the adoption of CECL. The Company has included these disclosures to address the applicable prior period. A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above in Note 3, “Non Purchased Loans,” and is applicable to these tables. The following table presents the Company’s loan portfolio by internal risk-rating grades as of the date presented: Pass Pass-Watch Substandard Total December 31, 2019 Commercial, financial, agricultural $ 259,760 $ 7,166 $ 5,220 $ 272,146 Real estate – construction 48,994 — — 48,994 Real estate – 1-4 family mortgage 78,105 791 3,935 82,831 Real estate – commercial mortgage 909,513 56,334 15,835 981,682 Installment loans to individuals — — — — Total $ 1,296,372 $ 64,291 $ 24,990 $ 1,385,653
Loan portfolio not subject to risk rating	The following table presents the Company’s loan portfolio by internal risk-rating grades as of the date presented: Pass Pass-Watch Substandard Total December 31, 2019 Commercial, financial, agricultural $ 779,798 $ 11,949 $ 11,715 $ 803,462 Real estate – construction 698,950 501 9,209 708,660 Real estate – 1-4 family mortgage 339,079 3,856 3,572 346,507 Real estate – commercial mortgage 2,737,629 31,867 26,711 2,796,207 Installment loans to individuals 6 — — 6 Total $ 4,555,462 $ 48,173 $ 51,207 $ 4,654,842 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the date presented: Performing Non- Total December 31, 2019 Commercial, financial, agricultural $ 247,575 $ 1,316 $ 248,891 Lease financing 81,649 226 81,875 Real estate – construction 66,241 — 66,241 Real estate – 1-4 family mortgage 1,992,331 11,288 2,003,619 Real estate – commercial mortgage 330,714 1,955 332,669 Installment loans to individuals 199,549 288 199,837 Total $ 2,918,059 $ 15,073 $ 2,933,132 The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the date presented: Performing Non- Total December 31, 2019 Commercial, financial, agricultural $ 13,935 $ — $ 13,935 Real estate – construction 1,725 — 1,725 Real estate – 1-4 family mortgage 394,476 3,638 398,114 Real estate – commercial mortgage 30,472 101 30,573 Installment loans to individuals 99,139 261 99,400 Total $ 539,747 $ 4,000 $ 543,747
Impaired loans	Loans formerly accounted for under FASB ASC 310-20, “Nonrefundable Fees and Other Cost” (“ASC 310-20”), and which are impaired loans recognized in conformity with ASC 310, “Receivables” (“ASC 310”), segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 6,623 $ 5,722 $ — $ 5,722 $ 1,222 Lease financing 226 226 — 226 3 Real estate – construction 9,145 — 9,145 9,145 — Real estate – 1-4 family mortgage 14,018 13,689 — 13,689 143 Real estate – commercial mortgage 11,067 7,361 1,080 8,441 390 Installment loans to individuals 91 84 — 84 1 Totals $ 41,170 $ 27,082 $ 10,225 $ 37,307 $ 1,759 The following table presents the average recorded investment and interest income recognized on loans formerly accounted for under ASC 310-20 and which are impaired loans for the periods presented: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Interest Average Interest Commercial, financial, agricultural $ 5,705 $ 5 $ 5,656 $ 23 Lease financing — — — — Real estate – construction 12,128 111 11,756 321 Real estate – 1-4 family mortgage 12,203 50 12,323 153 Real estate – commercial mortgage 10,692 41 10,652 122 Installment loans to individuals 130 — 130 1 Total $ 40,858 $ 207 $ 40,517 $ 620 Loans formerly accounted for under ASC 310-20, and which are impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 2,979 $ 1,837 $ 901 $ 2,738 $ 212 Real estate – construction 3,269 2,499 772 3,271 16 Real estate – 1-4 family mortgage 7,464 2,801 3,772 6,573 17 Real estate – commercial mortgage 1,148 981 128 1,109 6 Installment loans to individuals 202 110 71 181 2 Totals $ 15,062 $ 8,228 $ 5,644 $ 13,872 $ 253 Loans formerly accounted for under ASC 310-30, and which are impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the date presented: Unpaid Recorded Recorded Total Related December 31, 2019 Commercial, financial, agricultural $ 49,162 $ 3,695 $ 25,843 $ 29,538 $ 292 Real estate – construction 882 — 863 863 — Real estate – 1-4 family mortgage 42,969 10,061 25,482 35,543 291 Real estate – commercial mortgage 119,929 52,501 50,632 103,133 1,386 Installment loans to individuals 5,411 640 2,547 3,187 2 Totals $ 218,353 $ 66,897 $ 105,367 $ 172,264 $ 1,971
Investment and interest income recognized on impaired loans	The following table presents the average recorded investment and interest income recognized on loans formerly accounted for under ASC 310-20 and which are impaired loans for the periods presented: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Interest Average Interest Commercial, financial, agricultural $ 2,533 $ 2 $ 2,312 $ 6 Real estate – construction 256 — 256 3 Real estate – 1-4 family mortgage 5,364 30 5,468 96 Real estate – commercial mortgage 1,150 11 1,185 36 Installment loans to individuals 333 — 340 — Total $ 9,636 $ 43 $ 9,561 $ 141 The following table presents the average recorded investment and interest income recognized on loans formerly accounted for under ASC 310-30 and which are impaired loans for the period presented: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Interest Average Interest Commercial, financial, agricultural $ 32,150 $ 283 $ 35,304 $ 1,145 Real estate – construction 558 8 560 8 Real estate – 1-4 family mortgage 38,031 538 38,682 1,699 Real estate – commercial mortgage 117,179 1,541 119,327 5,015 Installment loans to individuals 3,192 86 3,576 287 Total $ 191,110 $ 2,456 $ 197,449 $ 8,154
Loans acquired with deteriorated credit quality	Loans purchased in business combinations that exhibited, at the date of acquisition, evidence of deterioration of the credit quality since origination, such that it was probable that all contractually required payments would not be collected, were as follows as of the date presented: Total Purchased Credit Deteriorated Loans December 31, 2019 Commercial, financial, agricultural $ 29,538 Real estate – construction 863 Real estate – 1-4 family mortgage 35,543 Real estate – commercial mortgage 103,133 Installment loans to individuals 3,187 Total $ 172,264

Allowance for Credit Losses (Ta

Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Summary of total non purchased and purchased loans	The following is a summary of non purchased loans and leases as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,445,294 $ 1,052,353 Lease financing 87,257 85,700 Real estate – construction: Residential 261,432 272,643 Commercial 477,441 502,258 Total real estate – construction 738,873 774,901 Real estate – 1-4 family mortgage: Primary 1,517,528 1,449,219 Home equity 442,380 456,265 Rental/investment 272,811 291,931 Land development 136,573 152,711 Total real estate – 1-4 family mortgage 2,369,292 2,350,126 Real estate – commercial mortgage: Owner-occupied 1,316,408 1,209,204 Non-owner occupied 2,176,562 1,803,587 Land development 117,672 116,085 Total real estate – commercial mortgage 3,610,642 3,128,876 Installment loans to individuals 177,195 199,843 Gross loans 9,428,553 7,591,799 Unearned income (4,329) (3,825) Loans, net of unearned income $ 9,424,224 $ 7,587,974 The following is a summary of purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 202,768 $ 315,619 Real estate – construction: Residential 3,093 16,407 Commercial 31,153 35,175 Total real estate – construction 34,246 51,582 Real estate – 1-4 family mortgage: Primary 245,369 332,729 Home equity 95,235 117,275 Rental/investment 33,567 43,169 Land development 16,931 23,314 Total real estate – 1-4 family mortgage 391,102 516,487 Real estate – commercial mortgage: Owner-occupied 355,994 428,077 Non-owner occupied 577,679 647,308 Land development 32,694 40,004 Total real estate – commercial mortgage 966,367 1,115,389 Installment loans to individuals 66,031 102,587 Loans $ 1,660,514 $ 2,101,664 The following is a summary of total non purchased and purchased loans as of the dates presented: September 30, December 31, 2019 Commercial, financial, agricultural $ 2,648,062 $ 1,367,972 Lease financing 87,257 85,700 Real estate – construction: Residential 264,525 289,050 Commercial 508,594 537,433 Total real estate – construction 773,119 826,483 Real estate – 1-4 family mortgage: Primary 1,762,897 1,781,948 Home equity 537,615 573,540 Rental/investment 306,378 335,100 Land development 153,504 176,025 Total real estate – 1-4 family mortgage 2,760,394 2,866,613 Real estate – commercial mortgage: Owner-occupied 1,672,402 1,637,281 Non-owner occupied 2,754,241 2,450,895 Land development 150,366 156,089 Total real estate – commercial mortgage 4,577,009 4,244,265 Installment loans to individuals 243,226 302,430 Gross loans 11,089,067 9,693,463 Unearned income (4,329) (3,825) Loans, net of unearned income 11,084,738 9,689,638 Allowance for credit losses on loans (168,098) (52,162) Net loans $ 10,916,640 $ 9,637,476
Roll forward of the allowance for loan losses	The following table provides a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology for the periods presented: Commercial Real Estate - Real Estate - Real Estate - Lease Financing Installment Total Three Months Ended September 30, 2020 Allowance for credit losses: Beginning balance $ 30,685 $ 12,538 $ 29,401 $ 60,061 $ 1,812 $ 10,890 $ 145,387 Charge-offs (420) (136) (720) (553) (168) (1,579) (3,576) Recoveries 698 31 152 711 1 1,594 3,187 Net (charge-offs) recoveries 278 (105) (568) 158 (167) 15 (389) Provision for credit losses on loans 7,232 1,386 3,872 10,363 187 60 23,100 Ending balance $ 38,195 $ 13,819 $ 32,705 $ 70,582 $ 1,832 $ 10,965 $ 168,098 Nine Months Ended September 30, 2020 Allowance for credit losses: Beginning balance $ 10,658 $ 5,029 $ 9,814 $ 24,990 $ 910 $ 761 $ 52,162 Impact of the adoption of ASC 326 11,351 3,505 14,314 4,293 521 8,500 42,484 Charge-offs (1,969) (668) (1,083) (2,600) (168) (6,003) (12,491) Recoveries 996 31 288 2,451 11 5,816 9,593 Net (charge-offs) recoveries (973) (637) (795) (149) (157) (187) (2,898) Provision for credit losses on loans 17,159 5,922 9,372 41,448 558 1,891 76,350 Ending balance $ 38,195 $ 13,819 $ 32,705 $ 70,582 $ 1,832 $ 10,965 $ 168,098 Period-End Amount Allocated to: Individually evaluated $ 10,211 $ — $ 275 $ 380 $ — $ 270 $ 11,136 Collectively evaluated 27,984 13,819 32,430 70,202 1,832 10,695 156,962 Ending balance $ 38,195 $ 13,819 $ 32,705 $ 70,582 $ 1,832 $ 10,965 $ 168,098 Loans: Individually evaluated $ 17,670 $ — $ 4,718 $ 6,596 $ — $ 618 $ 29,602 Collectively evaluated 2,630,392 773,119 2,755,676 4,570,413 82,928 242,608 11,055,136 Ending balance $ 2,648,062 $ 773,119 $ 2,760,394 $ 4,577,009 $ 82,928 $ 243,226 $ 11,084,738 Nonaccruing loans with no allowance for credit losses $ 589 $ — $ 4,147 $ 3,644 $ — $ — $ 8,380 The following table provides a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology prior to the adoption of ASC 326 for the period presented: Commercial Real Estate - Real Estate - Real Estate - Installment and Other (1) Total Three Months Ended September 30, 2019 Allowance for credit losses: Beginning balance $ 9,534 $ 5,302 $ 9,616 $ 24,302 $ 1,305 $ 50,059 Charge-offs (757) — (268) (677) (3,263) (4,965) Recoveries 761 — 219 33 3,007 4,020 Net (charge-offs) recoveries 4 — (49) (644) (256) (945) Provision for credit losses on loans 750 (175) 282 381 462 1,700 Ending balance $ 10,288 $ 5,127 $ 9,849 $ 24,039 $ 1,511 $ 50,814 Nine Months Ended September 30, 2019 Allowance for credit losses: Beginning balance $ 8,269 $ 4,755 $ 10,139 $ 24,492 $ 1,371 $ 49,026 Charge-offs (1,709) — (1,143) (1,406) (3,695) (7,953) Recoveries 1,376 7 531 644 3,083 5,641 Net (charge-offs) recoveries (333) 7 (612) (762) (612) (2,312) Provision for credit losses on loans 2,352 365 322 309 752 4,100 Ending balance $ 10,288 $ 5,127 $ 9,849 $ 24,039 $ 1,511 $ 50,814 Period-End Amount Allocated to: Individually evaluated for impairment $ 1,382 $ 24 $ 186 $ 450 $ 3 $ 2,045 Collectively evaluated for impairment 8,778 5,103 9,313 21,521 1,506 46,221 Purchased with deteriorated credit quality 128 — 350 2,068 2 2,548 Ending balance $ 10,288 $ 5,127 $ 9,849 $ 24,039 $ 1,511 $ 50,814 (1) Includes lease financing receivables.
Investment in loans, net of unearned income on impairment methodology	Commercial Real Estate - Real Estate - Real Estate - Installment and Other (1) Total December 31, 2019 Individually evaluated for impairment $ 8,460 $ 12,416 $ 20,262 $ 9,550 $ 491 $ 51,179 Collectively evaluated for impairment 1,329,974 813,204 2,810,808 4,131,582 380,627 9,466,195 Purchased with deteriorated credit quality 29,538 863 35,543 103,133 3,187 172,264 Ending balance $ 1,367,972 $ 826,483 $ 2,866,613 $ 4,244,265 $ 384,305 $ 9,689,638 (1) Includes lease financing receivables.
Unfunded Loan Commitments, Allowance for Credit Losses	Three Months Ended September 30, 2020 Allowance for credit losses on unfunded loan commitments: Beginning balance $ 17,335 Provision for credit losses on unfunded loan commitments (included in other noninterest expense) 2,700 Ending balance $ 20,035 Nine Months Ended September 30, 2020 Allowance for credit losses on unfunded loan commitments: Beginning balance $ 946 Impact of the adoption of ASC 326 10,389 Provision for credit losses on unfunded loan commitments (included in other noninterest expense) 8,700 Ending balance $ 20,035

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2020
Real Estate [Abstract]
Other real estate owned (OREO) covered and not covered under a loss-share agreement, net of valuation allowances and direct write-downs	The following table provides details of the Company’s other real estate owned (“OREO”) purchased and non purchased, net of valuation allowances and direct write-downs, as of the dates presented: Purchased OREO Non Purchased OREO Total September 30, 2020 Residential real estate $ 754 $ 1,116 $ 1,870 Commercial real estate 1,605 798 2,403 Residential land development 345 1,324 1,669 Commercial land development 1,873 338 2,211 Total $ 4,577 $ 3,576 $ 8,153 December 31, 2019 Residential real estate $ 890 $ 415 $ 1,305 Commercial real estate 2,106 1,548 3,654 Residential land development 530 369 899 Commercial land development 1,722 430 2,152 Total $ 5,248 $ 2,762 $ 8,010
Changes in purchased and non purchased OREO	Changes in the Company’s purchased and non purchased OREO were as follows: Purchased Non Purchased OREO Total Balance at January 1, 2020 $ 5,248 $ 2,762 $ 8,010 Transfers of loans 3,486 4,401 7,887 Impairments (1,232) (415) (1,647) Dispositions (2,875) (3,172) (6,047) Other (50) — (50) Balance at September 30, 2020 $ 4,577 $ 3,576 $ 8,153
Components of OREO in the Consolidated Statements of Income	Components of the line item “Other real estate owned” in the Consolidated Statements of Income were as follows for the periods presented: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Repairs and maintenance $ 64 $ 94 $ 234 $ 306 Property taxes and insurance 35 43 186 169 Impairments 820 253 1,647 1,121 Net losses on OREO sales 117 31 27 91 Rental income (3) (3) (23) (13) Total $ 1,033 $ 418 $ 2,071 $ 1,674

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Carrying amounts of goodwill by operating segments	The carrying amounts of goodwill by operating segments for the nine months ended September 30, 2020 were as follows: Community Banks Insurance Total Balance at January 1, 2020 $ 936,916 $ 2,767 $ 939,683 Addition to goodwill from acquisition — — — Balance at September 30, 2020 $ 936,916 $ 2,767 $ 939,683
Summary of finite-lived intangible assets	The following table provides a summary of finite-lived intangible assets as of the dates presented: Gross Carrying Accumulated Net Carrying September 30, 2020 Core deposit intangibles $ 82,492 $ (51,925) $ 30,567 Customer relationship intangible 2,470 (1,239) 1,231 Total finite-lived intangible assets $ 84,962 $ (53,164) $ 31,798 December 31, 2019 Core deposit intangibles $ 82,492 $ (46,599) $ 35,893 Customer relationship intangible 2,470 (1,103) 1,367 Total finite-lived intangible assets $ 84,962 $ (47,702) $ 37,260
Current year amortization expense for finite-lived intangible assets	Current year amortization expense for finite-lived intangible assets is presented in the table below. Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Amortization expense for: Core deposit intangibles $ 1,688 $ 1,963 $ 5,326 $ 6,060 Customer relationship intangible 45 33 136 99 Total intangible amortization $ 1,733 $ 1,996 $ 5,462 $ 6,159
Estimated amortization expense of finite-lived intangible assets	The estimated amortization expense of finite-lived intangible assets for the year ending December 31, 2020 and the succeeding four years is summarized as follows: Core Deposit Intangibles Customer Relationship Intangible Total 2020 $ 6,939 $ 181 $ 7,120 2021 5,860 181 6,041 2022 4,940 181 5,121 2023 4,044 181 4,225 2024 3,498 181 3,679

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	9 Months Ended
	Sep. 30, 2020
Transfers and Servicing [Abstract]
Changes in the company's MSRs	Changes in the Company’s MSRs were as follows: Balance at January 1, 2020 $ 53,208 Capitalization 30,589 Amortization (12,503) Valuation adjustment (13,694) Balance at September 30, 2020 $ 57,600
Data and key economic assumptions related to the Company's MSRs	Data and key economic assumptions related to the Company’s MSRs are as follows as of the dates presented: September 30, 2020 December 31, 2019 Unpaid principal balance $ 6,680,256 $ 4,871,155 Weighted-average prepayment speed (CPR) 15.09 % 11.48 % Estimated impact of a 10% increase $ (3,606) $ (2,469) Estimated impact of a 20% increase (6,921) (4,774) Discount rate 9.88 % 9.69 % Estimated impact of a 10% increase $ (1,957) $ (2,027) Estimated impact of a 20% increase (3,784) (3,908) Weighted-average coupon interest rate 3.71 % 4.04 % Weighted-average servicing fee (basis points) 29.94 29.20 Weighted-average remaining maturity (in years) 5.16 6.35

Employee Benefit and Deferred_2

Employee Benefit and Deferred Compensation Plans (Tables)	9 Months Ended
	Sep. 30, 2020
Retirement Benefits [Abstract]
Plan expense for non-contributory benefit pension plan and post-retirement health and life plans	Information related to the defined benefit pension plan maintained by Renasant Bank (“Pension Benefits”) and to the post-retirement health and life plan (“Other Benefits”) as of the dates presented is as follows: Pension Benefits Other Benefits Three Months Ended Three Months Ended September 30, September 30, 2020 2019 2020 2019 Service cost $ — $ — $ 2 $ 2 Interest cost 246 294 3 7 Expected return on plan assets (412) (362) — — Recognized actuarial loss (gain) 87 110 (23) (6) Net periodic (return) benefit cost $ (79) $ 42 $ (18) $ 3 Pension Benefits Other Benefits Nine Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Service cost $ — $ — $ 5 $ 5 Interest cost 738 882 10 23 Expected return on plan assets (1,238) (1,087) — — Recognized actuarial loss (gain) 262 331 (68) (17) Net periodic (return) benefit cost $ (238) $ 126 $ (53) $ 11
Summary of the changes in stock options and restricted stock	The following table summarizes information about options outstanding, exercised and forfeited as of and for the nine months ended September 30, 2020: Shares Weighted Average Exercise Price Options outstanding at beginning of period 29,250 $ 15.86 Granted — — Exercised — — Forfeited — — Options outstanding at end of period 29,250 $ 15.86 The following table summarizes the changes in restricted stock as of and for the nine months ended September 30, 2020: Performance-Based Restricted Stock Weighted Average Grant-Date Fair Value Time-Based Restricted Stock Weighted Average Grant-Date Fair Value Nonvested at beginning of period 115,725 $ 34.00 500,932 $ 36.34 Awarded 81,423 35.42 270,579 32.90 Vested — — (140,853) 38.67 Cancelled (15,076) 33.29 (47,488) 35.73 Nonvested at end of period 182,072 $ 34.70 583,170 $ 34.23

Derivative Instruments (Tables)

Derivative Instruments (Tables)	9 Months Ended
	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative financial instruments	The following table provides details on the Company’s derivative financial instruments as of the dates presented: Fair Value Balance Sheet September 30, December 31, 2019 Derivative assets: Designated as hedging instruments: Interest rate swap Other Assets $ 468 $ — Totals $ 468 $ — Not designated as hedging instruments: Interest rate contracts Other Assets $ 11,566 $ 3,880 Interest rate lock commitments Other Assets 28,185 4,579 Forward commitments Other Assets 59 39 Totals $ 39,810 $ 8,498 Derivative liabilities: Designated as hedging instruments: Interest rate swaps Other Liabilities $ 9,004 $ 5,021 Totals $ 9,004 $ 5,021 Not designated as hedging instruments: Interest rate contracts Other Liabilities $ 11,566 $ 3,880 Interest rate lock commitments Other Liabilities — 3 Forward commitments Other Liabilities 2,511 1,096 Totals $ 14,077 $ 4,979
Gains (losses) on derivative financial instruments included in the Consolidated Statements of Income	Gains (losses) included in the Consolidated Statements of Income related to the Company’s derivative financial instruments were as follows as of the periods presented: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Derivatives not designated as hedging instruments: Interest rate contracts: Included in interest income on loans $ 451 $ 950 $ 1,710 $ 2,985 Interest rate lock commitments: Included in mortgage banking income (1,135) (444) 23,610 2,954 Forward commitments Included in mortgage banking income 2,754 3,526 (1,395) 3,006 Total $ 2,070 $ 4,032 $ 23,925 $ 8,945
Gross and net derivative positions, including pledged collateral	The following table presents the Company’s gross derivative positions as recognized in the Consolidated Balance Sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement: Offsetting Derivative Assets Offsetting Derivative Liabilities September 30, December 31, 2019 September 30, December 31, 2019 Gross amounts recognized $ 527 $ 61 $ 23,198 $ 9,974 Gross amounts offset in the Consolidated Balance Sheets — — — — Net amounts presented in the Consolidated Balance Sheets 527 61 23,198 9,974 Gross amounts not offset in the Consolidated Balance Sheets Financial instruments 527 61 527 61 Financial collateral pledged — — 18,400 8,698 Net amounts $ — $ — $ 4,271 $ 1,215

Income Taxes (Tables)

Income Taxes (Tables)	9 Months Ended
	Sep. 30, 2020
Income Tax Disclosure [Abstract]
Significant components of the company's deferred tax assets and liabilities	The following table is a summary of the Company’s temporary differences between the tax basis of assets and liabilities and their financial reporting amounts that give rise to deferred income tax assets and liabilities and their approximate tax effects as of the dates presented. September 30, December 31, 2020 2019 Deferred tax assets Allowance for credit losses $ 45,891 $ 14,304 Loans 11,579 10,284 Deferred compensation 11,605 12,050 Impairment of assets 1,631 1,108 Net operating loss carryforwards 2,607 9,387 Lease liabilities under operating leases 22,271 22,686 Other 208 934 Total deferred tax assets 95,792 70,753 Deferred tax liabilities Net unrealized gains on securities 6,057 190 Investment in partnerships 982 967 Fixed assets 7,688 2,952 Mortgage servicing rights 14,121 13,472 Junior subordinated debt 2,237 2,304 Lease right-of-use asset 21,203 21,727 Other 1,457 1,859 Total deferred tax liabilities 53,745 43,471 Net deferred tax assets $ 42,047 $ 27,282

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	The following table presents assets and liabilities that are measured at fair value on a recurring basis as of the dates presented: Level 1 Level 2 Level 3 Totals September 30, 2020 Financial assets: Trust preferred securities $ — $ — $ 8,492 $ 8,492 Other available for sale securities — 1,284,896 — 1,284,896 Total securities available for sale — 1,284,896 8,492 1,293,388 Derivative instruments — 40,278 — 40,278 Mortgage loans held for sale in loans held for sale — 399,773 — 399,773 Total financial assets $ — $ 1,724,947 $ 8,492 $ 1,733,439 Financial liabilities: Derivative instruments: $ — $ 23,081 $ — $ 23,081 Level 1 Level 2 Level 3 Totals December 31, 2019 Financial assets: Trust preferred securities $ — $ — $ 9,986 $ 9,986 Other available for sale securities — 1,280,627 — 1,280,627 Total securities available for sale — 1,280,627 9,986 1,290,613 Derivative instruments — 8,498 — 8,498 Mortgage loans held for sale in loans held for sale — 318,272 — 318,272 Total financial assets $ — $ 1,607,397 $ 9,986 $ 1,617,383 Financial liabilities: Derivative instruments $ — $ 10,000 $ — $ 10,000
Reconciliation for assets and liabilities measured at fair value on a recurring basis	The following tables provide a reconciliation for assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs, or Level 3 inputs, as of the dates presented: 2020 2019 Three Months Ended September 30, 2020 Trust preferred Trust preferred Three Months Ended September 30, Balance at beginning of period $ 7,679 $ 10,386 Accretion included in net income 8 9 Unrealized gains (losses) included in other comprehensive income 840 (439) Settlements (35) (94) Balance at end of period $ 8,492 $ 9,862 Nine Months Ended September 30, Balance at beginning of period $ 9,986 $ 10,633 Accretion included in net income 26 26 Unrealized losses included in other comprehensive income (1,382) (572) Settlements (138) (225) Balance at end of period $ 8,492 $ 9,862
Significant unobservable inputs (Level 3) used in valuation of assets and liabilities measured at fair value on recurring basis	The following table presents information as of September 30, 2020 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a recurring basis: Financial instrument Fair Valuation Technique Significant Range of Inputs Trust preferred securities $ 8,492 Discounted cash flows Default rate 0-100%
Assets measured at fair value on a nonrecurring basis	The following table provides the fair value measurement for assets measured at fair value on a nonrecurring basis that were still held on the Consolidated Balance Sheets as of the dates presented and the level within the fair value hierarchy each is classified: September 30, 2020 Level 1 Level 2 Level 3 Totals Impaired loans $ — $ — $ 11,050 $ 11,050 OREO — — 1,788 1,788 Mortgage servicing rights — — 57,600 57,600 Total $ — $ — $ 70,438 $ 70,438 December 31, 2019 Level 1 Level 2 Level 3 Totals Impaired loans $ — $ — $ 27,348 $ 27,348 OREO — — 2,820 2,820 Mortgage servicing rights — — 53,208 53,208 Total $ — $ — $ 83,376 $ 83,376
OREO measured at fair value on a nonrecurring basis	The following table presents OREO measured at fair value on a nonrecurring basis that was still held on the Consolidated Balance Sheets as of the dates presented: September 30, December 31, 2019 Carrying amount prior to remeasurement $ 2,750 $ 3,726 Impairment recognized in results of operations (962) (906) Fair value $ 1,788 $ 2,820
Significant unobservable inputs (Level 3) used in valuation of assets and liabilities measured at fair value on non recurring basis	The following table presents information as of September 30, 2020 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: Financial instrument Fair Valuation Technique Significant Range of Inputs Impaired loans $ 11,050 Appraised value of collateral less estimated costs to sell Estimated costs to sell 4-10% OREO $ 1,788 Appraised value of property less estimated costs to sell Estimated costs to sell 4-10%
Summarizes differences between fair value and principal balance for mortgage loans held for sale measure at fair value	The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of September 30, 2020 and December 31, 2019: Aggregate Aggregate Difference September 30, 2020 Mortgage loans held for sale measured at fair value $ 399,773 $ 378,785 $ 20,988 December 31, 2019 Mortgage loans held for sale measured at fair value $ 318,272 $ 308,160 $ 10,112
Assets and liabilities not measured and reported at fair value on a recurring basis or nonrecurring basis	The carrying amounts and estimated fair values of the Company’s financial instruments, including those assets and liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows as of the dates presented: Fair Value As of September 30, 2020 Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 414,105 $ 414,105 $ — $ — $ 414,105 Securities available for sale 1,293,388 — 1,284,896 8,492 1,293,388 Loans held for sale 399,773 — 399,773 — 399,773 Loans, net 10,916,640 — — 10,847,520 10,847,520 Mortgage servicing rights 57,600 — — 57,600 57,600 Derivative instruments 40,278 — 40,278 — 40,278 Financial liabilities Deposits $ 11,934,140 $ 10,100,060 $ 1,852,653 $ — $ 11,952,713 Short-term borrowings 42,624 42,624 — — 42,624 Federal Home Loan Bank advances 152,210 — 158,952 — 158,952 Junior subordinated debentures 110,649 — 89,591 — 89,591 Subordinated notes 212,223 — 212,550 — 212,550 Derivative instruments 23,081 — 23,081 — 23,081 Fair Value As of December 31, 2019 Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 414,930 $ 414,930 $ — $ — $ 414,930 Securities available for sale 1,290,613 — 1,280,627 9,986 1,290,613 Loans held for sale 318,272 — 318,272 — 318,272 Loans, net 9,637,476 — — 9,321,039 9,321,039 Mortgage servicing rights 53,208 — — 53,208 53,208 Derivative instruments 8,498 — 8,498 — 8,498 Financial liabilities Deposits $ 10,213,168 $ 8,052,536 $ 2,158,431 $ — $ 10,210,967 Short-term borrowings 489,091 489,091 — — 489,091 Federal Home Loan Bank advances 152,337 — 152,321 — 152,321 Junior subordinated debentures 110,215 — 104,480 — 104,480 Subordinated notes 113,955 — 117,963 — 117,963 Derivative instruments 10,000 — 10,000 — 10,000

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2020
Equity [Abstract]
Changes in the components of other comprehensive income	Changes in the components of other comprehensive income, net of tax, were as follows for the periods presented: Pre-Tax Tax Expense Net of Tax Three months ended September 30, 2020 Securities available for sale: Unrealized holding gains on securities $ 519 $ 131 $ 388 Total securities available for sale 519 131 388 Derivative instruments: Unrealized holding gains on derivative instruments 1,576 401 1,175 Total derivative instruments 1,576 401 1,175 Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 65 17 48 Total defined benefit pension and post-retirement benefit plans 65 17 48 Total other comprehensive income $ 2,160 $ 549 $ 1,611 Three months ended September 30, 2019 Securities available for sale: Unrealized holding losses on securities $ (84) $ (22) $ (62) Reclassification adjustment for losses realized in net income 2,516 640 1,876 Total securities available for sale 2,432 618 1,814 Derivative instruments: Unrealized holding losses on derivative instruments (949) (241) (708) Total derivative instruments (949) (241) (708) Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 104 26 78 Total defined benefit pension and post-retirement benefit plans 104 26 78 Total other comprehensive income $ 1,587 $ 403 $ 1,184 Pre-Tax Tax Expense Net of Tax Nine months ended September 30, 2020 Securities available for sale: Unrealized holding gains on securities $ 26,404 $ 6,719 $ 19,685 Reclassification adjustment for gains realized in net income (31) (8) (23) Total securities available for sale 26,373 6,711 19,662 Derivative instruments: Unrealized holding losses on derivative instruments (3,516) (895) (2,621) Total derivative instruments (3,516) (895) (2,621) Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 195 50 145 Total defined benefit pension and post-retirement benefit plans 195 50 145 Total other comprehensive income $ 23,052 $ 5,866 $ 17,186 Nine months ended September 30, 2019 Securities available for sale: Unrealized holding gains on securities $ 27,695 $ 7,047 $ 20,648 Reclassification adjustment for losses realized in net income 2,511 639 1,872 Total securities available for sale 30,206 7,686 22,520 Derivative instruments: Unrealized holding losses on derivative instruments (4,244) (1,080) (3,164) Total derivative instruments (4,244) (1,080) (3,164) Defined benefit pension and post-retirement benefit plans: Amortization of net actuarial loss recognized in net periodic pension cost 314 80 234 Total defined benefit pension and post-retirement benefit plans 314 80 234 Total other comprehensive income $ 26,276 $ 6,686 $ 19,590
Accumulated balances for each component of other comprehensive income, net of tax	The accumulated balances for each component of other comprehensive income, net of tax, were as follows as of the dates presented: September 30, December 31, 2019 Unrealized gains on securities $ 41,225 $ 21,563 Non-credit related portion of previously recorded other-than-temporary impairment on securities (11,319) (11,319) Unrealized losses on derivative instruments (5,468) (2,847) Unrecognized losses on defined benefit pension and post-retirement benefit plans obligations (6,488) (6,633) Total accumulated other comprehensive income $ 17,950 $ 764

Net Income Per Common Share (Ta

Net Income Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Basic and diluted net income per common share	Basic and diluted net income per common share calculations are as follows for the periods presented: Three Months Ended September 30, 2020 2019 Basic Net income applicable to common stock $ 29,992 $ 37,446 Average common shares outstanding 56,185,884 58,003,215 Net income per common share - basic $ 0.53 $ 0.65 Diluted Net income applicable to common stock $ 29,992 $ 37,446 Average common shares outstanding 56,185,884 58,003,215 Effect of dilutive stock-based compensation 200,269 189,204 Average common shares outstanding - diluted 56,386,153 58,192,419 Net income per common share - diluted $ 0.53 $ 0.64 Nine Months Ended September 30, 2020 2019 Basic Net income applicable to common stock $ 52,130 $ 129,181 Average common shares outstanding 56,294,984 58,347,840 Net income per common share - basic $ 0.93 $ 2.21 Diluted Net income applicable to common stock $ 52,130 $ 129,181 Average common shares outstanding 56,294,984 58,347,840 Effect of dilutive stock-based compensation 173,593 160,742 Average common shares outstanding - diluted 56,468,577 58,508,582 Net income per common share - diluted $ 0.92 $ 2.21
Schedule of antidilutive securities	Stock-based compensation awards that could potentially dilute basic net income per common share in the future that were not included in the computation of diluted net income per common share due to their anti-dilutive effect were as follows for the periods presented: Three Months Ended September 30, 2020 2019 Number of shares 237,212 691 Exercise prices (for stock option awards) — — Nine Months Ended September 30, 2020 2019 Number of shares 255,448 1,334 Exercise prices (for stock option awards) — —

Regulatory Matters (Tables)

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2020
Banking and Thrift, Interest [Abstract]
Guidelines governing the classification of capital tiers	Those guidelines specify capital tiers, which include the following classifications: Capital Tiers Tier 1 Capital to Common Equity Tier 1 to Tier 1 Capital to Total Capital to Well capitalized 5% or above 6.5% or above 8% or above 10% or above Adequately capitalized 4% or above 4.5% or above 6% or above 8% or above Undercapitalized Less than 4% Less than 4.5% Less than 6% Less than 8% Significantly undercapitalized Less than 3% Less than 3% Less than 4% Less than 6% Critically undercapitalized Tangible Equity / Total Assets less than 2%
Capital and risk-based capital and leverage ratios	The following table provides the capital and risk-based capital and leverage ratios for the Company and for the Bank as of the dates presented: September 30, 2020 December 31, 2019 Amount Ratio Amount Ratio Renasant Corporation Tier 1 Capital to Average Assets (Leverage) $ 1,281,318 9.17 % $ 1,262,588 10.37 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,174,260 10.80 % 1,156,828 11.12 % Tier 1 Capital to Risk-Weighted Assets 1,281,318 11.79 % 1,262,588 12.14 % Total Capital to Risk-Weighted Assets 1,618,837 14.89 % 1,432,949 13.78 % Renasant Bank Tier 1 Capital to Average Assets (Leverage) $ 1,344,938 9.64 % $ 1,331,809 10.95 % Common Equity Tier 1 Capital to Risk-Weighted Assets 1,344,938 12.38 % 1,331,809 12.81 % Tier 1 Capital to Risk-Weighted Assets 1,344,938 12.38 % 1,331,809 12.81 % Total Capital to Risk-Weighted Assets 1,470,402 13.53 % 1,388,553 13.36 %

Segment Reporting (Tables)

Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Financial information for the company's operating segments	The following table provides financial information for the Company’s operating segments as of and for the periods presented: Community Insurance Wealth Other Consolidated Three months ended September 30, 2020 Net interest income (loss) $ 108,909 $ 126 $ 403 $ (3,152) $ 106,286 Provision for loan losses 22,408 — 692 — 23,100 Noninterest income 63,918 2,694 4,714 (398) 70,928 Noninterest expense 110,430 1,974 3,818 288 116,510 Income (loss) before income taxes 39,989 846 607 (3,838) 37,604 Income tax expense (benefit) 8,383 217 — (988) 7,612 Net income (loss) $ 31,606 $ 629 $ 607 $ (2,850) $ 29,992 Total assets $ 14,694,683 $ 30,138 $ 68,261 $ 15,851 $ 14,808,933 Goodwill $ 936,916 $ 2,767 — — $ 939,683 Three months ended September 30, 2019 Net interest income (loss) $ 111,696 $ 177 $ 485 $ (3,533) $ 108,825 Provision for loan losses 1,700 — — — 1,700 Noninterest income 31,911 2,533 3,859 (350) 37,953 Noninterest expense 90,996 1,948 3,287 269 96,500 Income (loss) before income taxes 50,911 762 1,057 (4,152) 48,578 Income tax expense (benefit) 12,009 200 — (1,077) 11,132 Net income (loss) $ 38,902 $ 562 $ 1,057 $ (3,075) $ 37,446 Total assets $ 12,922,205 $ 27,448 $ 70,973 $ 19,048 $ 13,039,674 Goodwill $ 936,916 $ 2,767 — — $ 939,683 Community Insurance Wealth Other Consolidated Nine months ended September 30, 2020 Net interest income (loss) $ 325,879 $ 424 $ 1,250 $ (8,883) $ 318,670 Provision for credit losses on loans 75,481 — 869 — 76,350 Noninterest income (loss) 152,716 7,787 13,370 (1,205) 172,668 Noninterest expense (benefit) 332,490 5,708 11,215 423 349,836 Income (loss) before income taxes 70,624 2,503 2,536 (10,511) 65,152 Income tax expense (benefit) 15,088 658 — (2,724) 13,022 Net income (loss) $ 55,536 $ 1,845 $ 2,536 $ (7,787) $ 52,130 Total assets $ 14,694,683 $ 30,138 $ 68,261 $ 15,851 $ 14,808,933 Goodwill $ 936,916 $ 2,767 $ — $ — $ 939,683 Nine months ended September 30, 2019 Net interest income (loss) $ 343,418 $ 516 $ 1,244 $ (10,406) $ 334,772 Provision for credit losses on loans 4,100 — — — 4,100 Noninterest income 97,789 7,634 11,408 (1,033) 115,798 Noninterest expense 261,905 5,661 10,199 857 278,622 Income (loss) before income taxes 175,202 2,489 2,453 (12,296) 167,848 Income tax expense (benefit) 41,205 648 — (3,186) 38,667 Net income (loss) $ 133,997 $ 1,841 $ 2,453 $ (9,110) $ 129,181 Total assets $ 12,922,205 $ 27,448 $ 70,973 $ 19,048 $ 13,039,674 Goodwill $ 936,916 $ 2,767 $ — $ — $ 939,683

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2020	Dec. 31, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Remaining purchase discount on loans	$ 50,958
Interest receivable		$ 56,382
Accounting standards update [Extensible List]		us-gaap:AccountingStandardsUpdate201613Member	us-gaap:AccountingStandardsUpdate201613Member
Cumulative Effect, Period Of Adoption, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Remaining purchase discount on loans	$ (5,469)

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - CECL Adjustments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2020	Jun. 30, 2020	Jan. 01, 2020	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses	$ (52,162)	$ (168,098)	$ (145,387)		$ (50,814)	$ (50,059)	$ (49,026)
Deferred tax assets, net	27,282	42,047
Remaining purchase discount on loans	(50,958)
Reserve for unfunded commitments	946	20,035	$ 17,335
Retained earnings	617,355	$ 596,779
Cumulative Effect, Period Of Adoption, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses	(42,484)			$ (42,484)
Deferred tax assets, net	12,305
Remaining purchase discount on loans	5,469
Reserve for unfunded commitments	10,389
Retained earnings	(35,099)
Cumulative Effect, Period Of Adoption, Adjusted Balance
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses	(94,646)
Deferred tax assets, net	39,587
Remaining purchase discount on loans	(45,489)
Reserve for unfunded commitments	11,335
Retained earnings	$ 582,256

Securities - Amortized Cost and

Securities - Amortized Cost and Fair Value of Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Amortized cost and fair value of securities available for sale
Amortized Cost	$ 1,253,273	$ 1,276,871
Gross Unrealized Gains	44,618	18,620
Gross Unrealized Losses	(4,503)	(4,878)
Allowance for Credit Losses	0
Fair Value	1,293,388	1,290,613
U.S. Treasury securities
Amortized cost and fair value of securities available for sale
Amortized Cost	7,067	498
Gross Unrealized Gains	45	1
Gross Unrealized Losses	0	0
Allowance for Credit Losses	0
Fair Value	7,112	499
Obligations of other U.S. Government agencies and corporations
Amortized cost and fair value of securities available for sale
Amortized Cost	1,505	2,518
Gross Unrealized Gains	10	16
Gross Unrealized Losses	0	(3)
Allowance for Credit Losses	0
Fair Value	1,515	2,531
Obligations of states and political subdivisions
Amortized cost and fair value of securities available for sale
Amortized Cost	267,067	218,362
Gross Unrealized Gains	11,224	5,134
Gross Unrealized Losses	(651)	(365)
Allowance for Credit Losses	0
Fair Value	277,640	223,131
Trust preferred securities
Amortized cost and fair value of securities available for sale
Amortized Cost	12,042	12,153
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3,550)	(2,167)
Allowance for Credit Losses	0
Fair Value	8,492	9,986
Other debt securities
Amortized cost and fair value of securities available for sale
Amortized Cost	62,495	55,364
Gross Unrealized Gains	2,935	1,133
Gross Unrealized Losses	(131)	(132)
Allowance for Credit Losses	0
Fair Value	65,299	56,365
Government agency mortgage backed securities | Residential mortgage backed securities:
Amortized cost and fair value of securities available for sale
Amortized Cost	649,383	708,970
Gross Unrealized Gains	23,601	8,951
Gross Unrealized Losses	(64)	(1,816)
Allowance for Credit Losses	0
Fair Value	672,920	716,105
Government agency mortgage backed securities | Commercial mortgage backed securities:
Amortized cost and fair value of securities available for sale
Amortized Cost	29,198	30,372
Gross Unrealized Gains	1,316	659
Gross Unrealized Losses	(1)	(24)
Allowance for Credit Losses	0
Fair Value	30,513	31,007
Government agency collateralized mortgage obligations | Residential mortgage backed securities:
Amortized cost and fair value of securities available for sale
Amortized Cost	133,993	172,178
Gross Unrealized Gains	2,181	1,322
Gross Unrealized Losses	(29)	(262)
Allowance for Credit Losses	0
Fair Value	136,145	173,238
Government agency collateralized mortgage obligations | Commercial mortgage backed securities:
Amortized cost and fair value of securities available for sale
Amortized Cost	90,523	76,456
Gross Unrealized Gains	3,306	1,404
Gross Unrealized Losses	(77)	(109)
Allowance for Credit Losses	0
Fair Value	$ 93,752	$ 77,751

Securities - Securities Sold (D

Securities - Securities Sold (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Debt Securities, Available-for-sale [Line Items]
Carrying Value		$ 199,532,000	$ 8,742,000	$ 212,137,000
Net Proceeds	$ 0	199,875,000	8,773,000	212,485,000
Gain/(Loss)	$ 0	343,000	31,000	348,000
Obligations of states and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Carrying Value		1,112,000	2,696,000	11,799,000
Net Proceeds		1,111,000	2,561,000	11,813,000
Gain/(Loss)		(1,000)	(135,000)	14,000
Residential mortgage backed securities: | Government agency mortgage backed securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value		70,926,000	6,046,000	72,556,000
Net Proceeds		70,322,000	6,212,000	71,944,000
Gain/(Loss)		(604,000)	$ 166,000	(612,000)
Residential mortgage backed securities: | Government agency collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Carrying Value		122,404,000		122,692,000
Net Proceeds		120,606,000		120,892,000
Gain/(Loss)		(1,798,000)		(1,800,000)
Commercial mortgage backed securities: | Government agency mortgage backed securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value		4,838,000		4,838,000
Net Proceeds		4,720,000		4,720,000
Gain/(Loss)		(118,000)		(118,000)
Other debt securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value		252,000		252,000
Net Proceeds		257,000		257,000
Gain/(Loss)		5,000		5,000
Other equity securities
Debt Securities, Available-for-sale [Line Items]
Carrying Value		0		0
Net Proceeds		2,859,000		2,859,000
Gain/(Loss)		$ 2,859,000		$ 2,859,000

Securities - Narrative (Details

Securities - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Secure government, public and trust deposits
Debt Securities, Available-for-sale [Line Items]
Available for sale securities pledged as collateral	$ 534,408	$ 416,849
Short-term borrowings
Debt Securities, Available-for-sale [Line Items]
Available for sale securities pledged as collateral	$ 36,964	$ 27,754

Securities - Gross Realized Gai

Securities - Gross Realized Gains and Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Gross gains on sales of securities available for sale	$ 0	$ 2,933	$ 166	$ 2,979
Gross losses on sales of securities available for sale	0	(2,590)	(135)	(2,631)
Gains on sales of securities available for sale, net	$ 0	$ 343	$ 31	$ 348

Securities - Amortized Cost a_2

Securities - Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Amortized Cost
Due within one year	$ 9,258
Due after one year through five years	38,526
Due after five years through ten years	71,434
Due after ten years	194,270
Amortized Cost	1,253,273	$ 1,276,871
Fair Value
Due within one year	9,316
Due after one year through five years	40,210
Due after five years through ten years	75,283
Due after ten years	196,052
Fair Value	1,293,388	1,290,613
Other debt securities
Amortized Cost
Debt securities, without fixed maturity, amortized cost	36,688
Amortized Cost	62,495	55,364
Fair Value
Debt securities, without fixed maturity, fair value	39,197
Fair Value	65,299	56,365
Government agency mortgage backed securities | Residential mortgage backed securities:
Amortized Cost
Debt securities, without fixed maturity, amortized cost	649,383
Amortized Cost	649,383	708,970
Fair Value
Debt securities, without fixed maturity, fair value	672,920
Fair Value	672,920	716,105
Government agency mortgage backed securities | Commercial mortgage backed securities:
Amortized Cost
Debt securities, without fixed maturity, amortized cost	29,198
Amortized Cost	29,198	30,372
Fair Value
Debt securities, without fixed maturity, fair value	30,513
Fair Value	30,513	31,007
Government agency collateralized mortgage obligations | Residential mortgage backed securities:
Amortized Cost
Debt securities, without fixed maturity, amortized cost	133,993
Amortized Cost	133,993	172,178
Fair Value
Debt securities, without fixed maturity, fair value	136,145
Fair Value	136,145	173,238
Government agency collateralized mortgage obligations | Commercial mortgage backed securities:
Amortized Cost
Debt securities, without fixed maturity, amortized cost	90,523
Amortized Cost	90,523	76,456
Fair Value
Debt securities, without fixed maturity, fair value	93,752
Fair Value	$ 93,752	$ 77,751

Securities - Gross Unrealized L

Securities - Gross Unrealized Losses and Fair Value by Investment Category (Details) $ in Thousands	Sep. 30, 2020USD ($)security	Dec. 31, 2019USD ($)security
Available for Sale:
Number of positions, Less than 12 Months | security	53	79
Fair Value, Less than 12 Months	$ 113,786	$ 331,023
Unrealized Losses, Less than 12 Months	$ (950)	$ (2,394)
Number of positions, 12 Months or More | security	4	22
Fair value, 12 Months or More	$ 9,532	$ 33,700
Unrealized Losses, 12 Months or More	$ (3,553)	$ (2,484)
Number of positions | security	57	101
Fair Value	$ 123,318	$ 364,723
Unrealized Losses	$ (4,503)	$ (4,878)
Obligations of other U.S. Government agencies and corporations
Available for Sale:
Number of positions, Less than 12 Months | security		0
Fair Value, Less than 12 Months		$ 0
Unrealized Losses, Less than 12 Months		$ 0
Number of positions, 12 Months or More | security		1
Fair value, 12 Months or More		$ 1,008
Unrealized Losses, 12 Months or More		$ (3)
Number of positions | security		1
Fair Value		$ 1,008
Unrealized Losses		$ (3)
Obligations of states and political subdivisions
Available for Sale:
Number of positions, Less than 12 Months | security	28	26
Fair Value, Less than 12 Months	$ 45,111	$ 33,902
Unrealized Losses, Less than 12 Months	$ (651)	$ (365)
Number of positions, 12 Months or More | security	0	0
Fair value, 12 Months or More	$ 0	$ 0
Unrealized Losses, 12 Months or More	$ 0	$ 0
Number of positions | security	28	26
Fair Value	$ 45,111	$ 33,902
Unrealized Losses	$ (651)	$ (365)
Trust preferred securities
Available for Sale:
Number of positions, Less than 12 Months | security	0	0
Fair Value, Less than 12 Months	$ 0	$ 0
Unrealized Losses, Less than 12 Months	$ 0	$ 0
Number of positions, 12 Months or More | security	2	2
Fair value, 12 Months or More	$ 8,492	$ 9,986
Unrealized Losses, 12 Months or More	$ (3,550)	$ (2,167)
Number of positions | security	2	2
Fair Value	$ 8,492	$ 9,986
Unrealized Losses	$ (3,550)	$ (2,167)
Other debt securities
Available for Sale:
Number of positions, Less than 12 Months | security	12	3
Fair Value, Less than 12 Months	$ 14,833	$ 8,737
Unrealized Losses, Less than 12 Months	$ (128)	$ (131)
Number of positions, 12 Months or More | security	1	1
Fair value, 12 Months or More	$ 575	$ 741
Unrealized Losses, 12 Months or More	$ (3)	$ (1)
Number of positions | security	13	4
Fair Value	$ 15,408	$ 9,478
Unrealized Losses	$ (131)	$ (132)
Government agency mortgage backed securities | Residential mortgage backed securities:
Available for Sale:
Number of positions, Less than 12 Months | security	3	37
Fair Value, Less than 12 Months	$ 21,244	$ 233,179
Unrealized Losses, Less than 12 Months	$ (64)	$ (1,504)
Number of positions, 12 Months or More | security	0	16
Fair value, 12 Months or More	$ 0	$ 20,775
Unrealized Losses, 12 Months or More	$ 0	$ (312)
Number of positions | security	3	53
Fair Value	$ 21,244	$ 253,954
Unrealized Losses	$ (64)	$ (1,816)
Government agency mortgage backed securities | Commercial mortgage backed securities:
Available for Sale:
Number of positions, Less than 12 Months | security	1	1
Fair Value, Less than 12 Months	$ 1,546	$ 4,976
Unrealized Losses, Less than 12 Months	$ (1)	$ (23)
Number of positions, 12 Months or More | security	1	2
Fair value, 12 Months or More	$ 465	$ 1,190
Unrealized Losses, 12 Months or More	$ 0	$ (1)
Number of positions | security	2	3
Fair Value	$ 2,011	$ 6,166
Unrealized Losses	$ (1)	$ (24)
Government agency collateralized mortgage obligations | Residential mortgage backed securities:
Available for Sale:
Number of positions, Less than 12 Months | security	6	11
Fair Value, Less than 12 Months	$ 18,206	$ 45,319
Unrealized Losses, Less than 12 Months	$ (29)	$ (262)
Number of positions, 12 Months or More | security	0	0
Fair value, 12 Months or More	$ 0	$ 0
Unrealized Losses, 12 Months or More	$ 0	$ 0
Number of positions | security	6	11
Fair Value	$ 18,206	$ 45,319
Unrealized Losses	$ (29)	$ (262)
Government agency collateralized mortgage obligations | Commercial mortgage backed securities:
Available for Sale:
Number of positions, Less than 12 Months | security	3	1
Fair Value, Less than 12 Months	$ 12,846	$ 4,910
Unrealized Losses, Less than 12 Months	$ (77)	$ (109)
Number of positions, 12 Months or More | security	0	0
Fair value, 12 Months or More	$ 0	$ 0
Unrealized Losses, 12 Months or More	$ 0	$ 0
Number of positions | security	3	1
Fair Value	$ 12,846	$ 4,910
Unrealized Losses	$ (77)	$ (109)

Non Purchased Loans - Summary o

Non Purchased Loans - Summary of Non-Purchased Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Summary of loans
Gross loans	$ 11,089,067	$ 9,693,463
Unearned income	(4,329)	(3,825)
Loans, net of unearned income	11,084,738	9,689,638
Commercial, financial, agricultural
Summary of loans
Gross loans	2,648,062	1,367,972
Loans, net of unearned income	2,648,062	1,367,972
Lease financing
Summary of loans
Gross loans	87,257	85,700
Loans, net of unearned income	82,928
Real estate – construction:
Summary of loans
Gross loans	773,119	826,483
Loans, net of unearned income	773,119	826,483
Real estate – construction: | Residential
Summary of loans
Gross loans	264,525	289,050
Real estate – construction: | Commercial
Summary of loans
Gross loans	508,594	537,433
Real estate – 1-4 family mortgage:
Summary of loans
Gross loans	2,760,394	2,866,613
Loans, net of unearned income	2,760,394	2,866,613
Real estate – 1-4 family mortgage: | Primary
Summary of loans
Gross loans	1,762,897	1,781,948
Real estate – 1-4 family mortgage: | Home equity
Summary of loans
Gross loans	537,615	573,540
Real estate – 1-4 family mortgage: | Rental/investment
Summary of loans
Gross loans	306,378	335,100
Real estate – 1-4 family mortgage: | Land development
Summary of loans
Gross loans	153,504	176,025
Real estate – commercial mortgage:
Summary of loans
Gross loans	4,577,009	4,244,265
Loans, net of unearned income	4,577,009	4,244,265
Real estate – commercial mortgage: | Land development
Summary of loans
Gross loans	150,366	156,089
Real estate – commercial mortgage: | Owner-occupied
Summary of loans
Gross loans	1,672,402	1,637,281
Real estate – commercial mortgage: | Non-owner occupied
Summary of loans
Gross loans	2,754,241	2,450,895
Installment loans to individuals
Summary of loans
Gross loans	243,226	302,430
Loans, net of unearned income	243,226	384,305
Non purchased loans and leases
Summary of loans
Gross loans	9,428,553	7,591,799
Unearned income	(4,329)	(3,825)
Loans, net of unearned income	9,424,224	7,587,974
Non purchased loans and leases | Commercial, financial, agricultural
Summary of loans
Gross loans	2,445,294	1,052,353
Non purchased loans and leases | Lease financing
Summary of loans
Gross loans	87,257	85,700
Non purchased loans and leases | Real estate – construction:
Summary of loans
Gross loans	738,873	774,901
Non purchased loans and leases | Real estate – construction: | Residential
Summary of loans
Gross loans	261,432	272,643
Non purchased loans and leases | Real estate – construction: | Commercial
Summary of loans
Gross loans	477,441	502,258
Non purchased loans and leases | Real estate – 1-4 family mortgage:
Summary of loans
Gross loans	2,369,292	2,350,126
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary
Summary of loans
Gross loans	1,517,528	1,449,219
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity
Summary of loans
Gross loans	442,380	456,265
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment
Summary of loans
Gross loans	272,811	291,931
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development
Summary of loans
Gross loans	136,573	152,711
Non purchased loans and leases | Real estate – commercial mortgage:
Summary of loans
Gross loans	3,610,642	3,128,876
Non purchased loans and leases | Real estate – commercial mortgage: | Land development
Summary of loans
Gross loans	117,672	116,085
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied
Summary of loans
Gross loans	1,316,408	1,209,204
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied
Summary of loans
Gross loans	2,176,562	1,803,587
Non purchased loans and leases | Installment loans to individuals
Summary of loans
Gross loans	$ 177,195	$ 199,843

Non Purchased Loans - Narrative

Non Purchased Loans - Narrative (Details)	3 Months Ended			9 Months Ended
	Sep. 30, 2020USD ($)loan	Mar. 31, 2020	Sep. 30, 2019USD ($)loan	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Loans and Allowance for Loan Losses (Additional Textual) [Abstract]
Outstanding balance of restructured loans	$ 10,916,640,000			$ 10,916,640,000			$ 9,637,476,000
Allowance for loan losses attributable to restructured loans	168,098,000		$ 50,814,000	$ 168,098,000	$ 50,814,000	$ 145,387,000	$ 52,162,000	$ 50,059,000	$ 49,026,000
Non purchased loans and leases
Loans and Allowance for Loan Losses (Additional Textual) [Abstract]
Mortgage and commercial loans discontinued past due period				90 days
Consumer and other retail loans charged-off past due period				120 days
Interest income				$ 189,000
Troubled debt restructured that has subsequently defaulted				$ 420,000	$ 61,000
Nonperforming loans charged-off past due period				90 days
Number of restructured loans | loan				1	1
Restructured loans discontinued past due period				90 days	90 days
Remaining availability under commitments to lend additional funds on restructured loans	$ 0		$ 1,000	$ 0	$ 1,000
Number of loan modifications | loan	8		1	34	6
Modified loans, balance	$ 832,000		$ 16,000	$ 7,802,000	$ 508,000
Non purchased loans and leases | Loan deferral | Loan Deferral Program, CARES Act
Loans and Allowance for Loan Losses (Additional Textual) [Abstract]
Initial deferral period		90 days
Second deferral period		90 days
Number of loan modifications | loan				804
Modified loans, balance				$ 373,000,000
Non purchased loans and leases | Nonaccruing Loans
Loans and Allowance for Loan Losses (Additional Textual) [Abstract]
Outstanding balance of restructured loans	92,000		40,000	92,000	40,000
Non purchased loans and leases | Restructured loans
Loans and Allowance for Loan Losses (Additional Textual) [Abstract]
Outstanding balance of restructured loans	3,703,000		3,101,000	3,703,000	3,101,000
Allowance for loan losses attributable to restructured loans	$ 279,000		$ 30,000	$ 279,000	$ 30,000

Non Purchased Loans - Aging of

Non Purchased Loans - Aging of Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Past due and nonaccrual loans
Total loans, before unearned income	$ 11,089,067	$ 9,693,463
Unearned income	(4,329)	(3,825)
Loans, net of unearned income	11,084,738	9,689,638
Commercial, financial, agricultural
Past due and nonaccrual loans
Total loans, before unearned income	2,648,062	1,367,972
Loans, net of unearned income	2,648,062	1,367,972
Lease financing
Past due and nonaccrual loans
Total loans, before unearned income	87,257	85,700
Loans, net of unearned income	82,928
Real estate – construction:
Past due and nonaccrual loans
Total loans, before unearned income	773,119	826,483
Loans, net of unearned income	773,119	826,483
Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	2,760,394	2,866,613
Loans, net of unearned income	2,760,394	2,866,613
Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	4,577,009	4,244,265
Loans, net of unearned income	4,577,009	4,244,265
Installment loans to individuals
Past due and nonaccrual loans
Total loans, before unearned income	243,226	302,430
Loans, net of unearned income	243,226	384,305
Residential | Real estate – construction:
Past due and nonaccrual loans
Total loans, before unearned income	264,525	289,050
Commercial | Real estate – construction:
Past due and nonaccrual loans
Total loans, before unearned income	508,594	537,433
Primary | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	1,762,897	1,781,948
Home equity | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	537,615	573,540
Rental/investment | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	306,378	335,100
Land development | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	153,504	176,025
Land development | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	150,366	156,089
Owner-occupied | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	1,672,402	1,637,281
Non-owner occupied | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	2,754,241	2,450,895
Non purchased loans and leases
Past due and nonaccrual loans
Total loans, before unearned income	9,428,553	7,591,799
Unearned income	(4,329)	(3,825)
Loans, net of unearned income	9,424,224	7,587,974
Non purchased loans and leases | Commercial, financial, agricultural
Past due and nonaccrual loans
Total loans, before unearned income	2,445,294	1,052,353
Non purchased loans and leases | Lease financing
Past due and nonaccrual loans
Total loans, before unearned income	87,257	85,700
Non purchased loans and leases | Real estate – construction:
Past due and nonaccrual loans
Total loans, before unearned income	738,873	774,901
Non purchased loans and leases | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	2,369,292	2,350,126
Non purchased loans and leases | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	3,610,642	3,128,876
Non purchased loans and leases | Installment loans to individuals
Past due and nonaccrual loans
Total loans, before unearned income	177,195	199,843
Non purchased loans and leases | Accruing Loans
Past due and nonaccrual loans
Unearned income	(4,329)	(3,825)
Current Loans	9,393,313	7,540,226
Loans, net of unearned income	9,405,393	7,566,465
Non purchased loans and leases | Accruing Loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Current, gross	2,439,040	1,045,802
Total loans, before unearned income	2,440,204	1,046,883
Non purchased loans and leases | Accruing Loans | Lease financing
Past due and nonaccrual loans
Current, gross	87,257	85,474
Total loans, before unearned income	87,257	85,474
Non purchased loans and leases | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Current, gross	737,885	774,107
Total loans, before unearned income	738,873	774,901
Non purchased loans and leases | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	2,354,020	2,320,328
Total loans, before unearned income	2,359,531	2,340,850
Non purchased loans and leases | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	3,603,465	3,119,785
Total loans, before unearned income	3,606,786	3,122,423
Non purchased loans and leases | Accruing Loans | Installment loans to individuals
Past due and nonaccrual loans
Current, gross	175,975	198,555
Total loans, before unearned income	177,071	199,759
Non purchased loans and leases | Nonaccruing Loans
Past due and nonaccrual loans
Current Loans	8,279	3,635
Loans, net of unearned income	18,831	21,509
Non purchased loans and leases | Nonaccruing Loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Current, gross	1,774	60
Total loans, before unearned income	5,090	5,470
Non purchased loans and leases | Nonaccruing Loans | Lease financing
Past due and nonaccrual loans
Current, gross	0	0
Total loans, before unearned income	0	226
Non purchased loans and leases | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Current, gross	0	0
Total loans, before unearned income	0	0
Non purchased loans and leases | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	6,094	2,082
Total loans, before unearned income	9,761	9,276
Non purchased loans and leases | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	377	1,426
Total loans, before unearned income	3,856	6,453
Non purchased loans and leases | Nonaccruing Loans | Installment loans to individuals
Past due and nonaccrual loans
Current, gross	34	67
Total loans, before unearned income	124	84
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans
Past due and nonaccrual loans
Loans past due	10,254	22,781
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Past due, gross	876	605
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans | Lease financing
Past due and nonaccrual loans
Past due, gross	0	0
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	988	794
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	4,190	18,020
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	3,277	2,362
Non purchased loans and leases | 30-89 Days Past Due | Accruing Loans | Installment loans to individuals
Past due and nonaccrual loans
Past due, gross	923	1,000
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans
Past due and nonaccrual loans
Loans past due	1,246	1,382
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Past due, gross	650	387
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans | Lease financing
Past due and nonaccrual loans
Past due, gross	0	0
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0	0
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	354	623
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	236	372
Non purchased loans and leases | 30-89 Days Past Due | Nonaccruing Loans | Installment loans to individuals
Past due and nonaccrual loans
Past due, gross	6	0
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans
Past due and nonaccrual loans
Loans past due	1,826	3,458
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Past due, gross	288	476
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans | Lease financing
Past due and nonaccrual loans
Past due, gross	0	0
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0	0
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	1,321	2,502
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	44	276
Non purchased loans and leases | 90 Days or More Past Due | Accruing Loans | Installment loans to individuals
Past due and nonaccrual loans
Past due, gross	173	204
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans
Past due and nonaccrual loans
Loans past due	9,306	16,492
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Past due, gross	2,666	5,023
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans | Lease financing
Past due and nonaccrual loans
Past due, gross	0	226
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0	0
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	3,313	6,571
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	3,243	4,655
Non purchased loans and leases | 90 Days or More Past Due | Nonaccruing Loans | Installment loans to individuals
Past due and nonaccrual loans
Past due, gross	84	17
Non purchased loans and leases | Residential | Real estate – construction:
Past due and nonaccrual loans
Total loans, before unearned income	261,432	272,643
Non purchased loans and leases | Residential | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Current, gross	260,444
Total loans, before unearned income	261,432
Non purchased loans and leases | Residential | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Current, gross	0
Total loans, before unearned income	0
Non purchased loans and leases | Residential | 30-89 Days Past Due | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	988
Non purchased loans and leases | Residential | 30-89 Days Past Due | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Residential | 90 Days or More Past Due | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Residential | 90 Days or More Past Due | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Commercial | Real estate – construction:
Past due and nonaccrual loans
Total loans, before unearned income	477,441	502,258
Non purchased loans and leases | Commercial | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Current, gross	477,441
Total loans, before unearned income	477,441
Non purchased loans and leases | Commercial | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Current, gross	0
Total loans, before unearned income	0
Non purchased loans and leases | Commercial | 30-89 Days Past Due | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Commercial | 30-89 Days Past Due | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Commercial | 90 Days or More Past Due | Accruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Commercial | 90 Days or More Past Due | Nonaccruing Loans | Real estate – construction:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Primary | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	1,517,528	1,449,219
Non purchased loans and leases | Primary | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	1,505,737
Total loans, before unearned income	1,508,630
Non purchased loans and leases | Primary | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	5,520
Total loans, before unearned income	8,898
Non purchased loans and leases | Primary | 30-89 Days Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	1,795
Non purchased loans and leases | Primary | 30-89 Days Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	347
Non purchased loans and leases | Primary | 90 Days or More Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	1,098
Non purchased loans and leases | Primary | 90 Days or More Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	3,031
Non purchased loans and leases | Home equity | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	442,380	456,265
Non purchased loans and leases | Home equity | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	440,820
Total loans, before unearned income	441,837
Non purchased loans and leases | Home equity | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	451
Total loans, before unearned income	543
Non purchased loans and leases | Home equity | 30-89 Days Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	1,001
Non purchased loans and leases | Home equity | 30-89 Days Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Home equity | 90 Days or More Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	16
Non purchased loans and leases | Home equity | 90 Days or More Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	92
Non purchased loans and leases | Rental/investment | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	272,811	291,931
Non purchased loans and leases | Rental/investment | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	270,995
Total loans, before unearned income	272,536
Non purchased loans and leases | Rental/investment | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	90
Total loans, before unearned income	275
Non purchased loans and leases | Rental/investment | 30-89 Days Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	1,334
Non purchased loans and leases | Rental/investment | 30-89 Days Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	7
Non purchased loans and leases | Rental/investment | 90 Days or More Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	207
Non purchased loans and leases | Rental/investment | 90 Days or More Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	178
Non purchased loans and leases | Land development | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	136,573	152,711
Non purchased loans and leases | Land development | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	117,672	116,085
Non purchased loans and leases | Land development | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	136,468
Total loans, before unearned income	136,528
Non purchased loans and leases | Land development | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	117,287
Total loans, before unearned income	117,587
Non purchased loans and leases | Land development | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Current, gross	33
Total loans, before unearned income	45
Non purchased loans and leases | Land development | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	46
Total loans, before unearned income	85
Non purchased loans and leases | Land development | 30-89 Days Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	60
Non purchased loans and leases | Land development | 30-89 Days Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	257
Non purchased loans and leases | Land development | 30-89 Days Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Land development | 30-89 Days Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Land development | 90 Days or More Past Due | Accruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Land development | 90 Days or More Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	43
Non purchased loans and leases | Land development | 90 Days or More Past Due | Nonaccruing Loans | Real estate – 1-4 family mortgage:
Past due and nonaccrual loans
Past due, gross	12
Non purchased loans and leases | Land development | 90 Days or More Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	39
Non purchased loans and leases | Owner-occupied | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	1,316,408	1,209,204
Non purchased loans and leases | Owner-occupied | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	1,312,024
Total loans, before unearned income	1,313,059
Non purchased loans and leases | Owner-occupied | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	276
Total loans, before unearned income	3,349
Non purchased loans and leases | Owner-occupied | 30-89 Days Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	1,034
Non purchased loans and leases | Owner-occupied | 30-89 Days Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	178
Non purchased loans and leases | Owner-occupied | 90 Days or More Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	1
Non purchased loans and leases | Owner-occupied | 90 Days or More Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	2,895
Non purchased loans and leases | Non-owner occupied | Real estate – commercial mortgage:
Past due and nonaccrual loans
Total loans, before unearned income	2,176,562	$ 1,803,587
Non purchased loans and leases | Non-owner occupied | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	2,174,154
Total loans, before unearned income	2,176,140
Non purchased loans and leases | Non-owner occupied | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Current, gross	55
Total loans, before unearned income	422
Non purchased loans and leases | Non-owner occupied | 30-89 Days Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	1,986
Non purchased loans and leases | Non-owner occupied | 30-89 Days Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	58
Non purchased loans and leases | Non-owner occupied | 90 Days or More Past Due | Accruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	0
Non purchased loans and leases | Non-owner occupied | 90 Days or More Past Due | Nonaccruing Loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Past due, gross	$ 309

Non Purchased Loans - Impact of

Non Purchased Loans - Impact of Modifications Classified as Restructured Loans (Details) - Non purchased loans and leases $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan
Restructured loans
Number of Loans | loan	8	1	34	6
Pre- Modification Outstanding Recorded Investment	$ 832	$ 16	$ 7,802	$ 508
Post- Modification Outstanding Recorded Investment	$ 830	$ 16	$ 7,754	$ 505
Commercial, financial, agricultural
Restructured loans
Number of Loans | loan	1		7	2
Pre- Modification Outstanding Recorded Investment	$ 31		$ 1,862	$ 187
Post- Modification Outstanding Recorded Investment	$ 31		$ 1,859	$ 185
Real estate – 1-4 family mortgage:
Restructured loans
Number of Loans | loan	3	1	19	4
Pre- Modification Outstanding Recorded Investment	$ 234	$ 16	$ 2,498	$ 321
Post- Modification Outstanding Recorded Investment	$ 232	$ 16	$ 2,505	$ 320
Real estate – 1-4 family mortgage: | Primary
Restructured loans
Number of Loans | loan	2		17
Pre- Modification Outstanding Recorded Investment	$ 201		$ 2,356
Post- Modification Outstanding Recorded Investment	$ 200		$ 2,363
Real estate – 1-4 family mortgage: | Rental/investment
Restructured loans
Number of Loans | loan	1		2
Pre- Modification Outstanding Recorded Investment	$ 33		$ 142
Post- Modification Outstanding Recorded Investment	$ 32		$ 142
Real estate – commercial mortgage:
Restructured loans
Number of Loans | loan	4		6
Pre- Modification Outstanding Recorded Investment	$ 567		$ 3,418
Post- Modification Outstanding Recorded Investment	$ 567		$ 3,369
Real estate – commercial mortgage: | Owner-occupied
Restructured loans
Number of Loans | loan	2		3
Pre- Modification Outstanding Recorded Investment	$ 357		$ 3,019
Post- Modification Outstanding Recorded Investment	$ 357		$ 2,970
Real estate – commercial mortgage: | Non-owner occupied
Restructured loans
Number of Loans | loan	2		2
Pre- Modification Outstanding Recorded Investment	$ 210		$ 210
Post- Modification Outstanding Recorded Investment	$ 210		$ 210
Real estate – commercial mortgage: | Land development
Restructured loans
Number of Loans | loan			1
Pre- Modification Outstanding Recorded Investment			$ 189
Post- Modification Outstanding Recorded Investment			$ 189
Installment loans to individuals
Restructured loans
Number of Loans | loan			2
Pre- Modification Outstanding Recorded Investment			$ 24
Post- Modification Outstanding Recorded Investment			$ 21

Non Purchased Loans - Changes i

Non Purchased Loans - Changes in Restructured Loans (Details) - Non purchased loans and leases $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)loan
Changes in restructured loans [Roll Forward]
Total, beginning balance (loans) | loan	46
Additional advances or loans with concessions (loans) | loan	34
Reclassified as performing restructured loans (loans) | loan	3
Reductions due to:
Reclassified as nonperforming | loan	(2)
Paid in full (loans) | loan	(4)
Principal paydowns (loans) | loan	0
Total, ending balance (loans) | loan	77
Recorded Investment
Total, beginning balance | $	$ 4,679
Additional advances or loans with concessions | $	7,787
Reclassified as performing restructured loan | $	354
Reductions due to:
Restructured Loans Reclassified as Non-performing | $	(510)
Paid in full | $	(938)
Principal paydowns | $	(200)
Total, ending balance | $	$ 11,172

Non Purchased Loans - Loan Port

Non Purchased Loans - Loan Portfolio by Risk-Rating Grades (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Loan portfolio by risk-rating grades
Loans, net of unearned income	$ 11,084,738	$ 9,689,638
Commercial, financial, agricultural
Loan portfolio by risk-rating grades
Loans, net of unearned income	2,648,062	1,367,972
Lease Financing Receivables
Loan portfolio by risk-rating grades
Loans, net of unearned income	82,928
Real estate – construction:
Loan portfolio by risk-rating grades
Loans, net of unearned income	773,119	826,483
Real estate – 1-4 family mortgage:
Loan portfolio by risk-rating grades
Loans, net of unearned income	2,760,394	2,866,613
Real estate – commercial mortgage:
Loan portfolio by risk-rating grades
Loans, net of unearned income	4,577,009	4,244,265
Installment loans to individuals
Loan portfolio by risk-rating grades
Loans, net of unearned income	243,226	384,305
Non purchased loans and leases
Loan portfolio by risk-rating grades
Loans, net of unearned income	9,424,224	7,587,974
Non purchased loans and leases | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	2,556,824
2019	1,429,732
2018	692,195
2017	565,882
2016	425,294
Prior	365,712
Revolving Loans	360,564
Revolving Loans Converted to Term	33,465
Loans, net of unearned income	6,429,668
Non purchased loans and leases | Pass
Loan portfolio by risk-rating grades
2020	2,492,880
2019	1,321,170
2018	613,998
2017	444,917
2016	327,290
Prior	289,340
Revolving Loans	333,140
Revolving Loans Converted to Term	31,653
Loans, net of unearned income	5,854,388	4,555,462
Non purchased loans and leases | Pass-Watch
Loan portfolio by risk-rating grades
2020	59,337
2019	103,026
2018	70,797
2017	113,084
2016	79,108
Prior	71,782
Revolving Loans	21,333
Revolving Loans Converted to Term	915
Loans, net of unearned income	519,382	48,173
Non purchased loans and leases | Substandard
Loan portfolio by risk-rating grades
2020	4,607
2019	5,536
2018	7,400
2017	7,881
2016	18,896
Prior	4,590
Revolving Loans	6,091
Revolving Loans Converted to Term	897
Loans, net of unearned income	55,898	51,207
Non purchased loans and leases | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	592,684
2019	613,653
2018	407,418
2017	291,637
2016	163,370
Prior	257,457
Revolving Loans	664,039
Revolving Loans Converted to Term	4,298
Loans, net of unearned income	2,994,556
Non purchased loans and leases | Internal Noninvestment Grade
Loan portfolio by risk-rating grades
Loans, net of unearned income		4,654,842
Non purchased loans and leases | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		2,918,059
Non purchased loans and leases | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	592,674
2019	610,945
2018	403,951
2017	289,118
2016	162,350
Prior	254,407
Revolving Loans	663,420
Revolving Loans Converted to Term	4,004
Loans, net of unearned income	2,980,869
Non purchased loans and leases | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		15,073
Non purchased loans and leases | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	10
2019	2,708
2018	3,467
2017	2,519
2016	1,020
Prior	3,050
Revolving Loans	619
Revolving Loans Converted to Term	294
Loans, net of unearned income	13,687
Non purchased loans and leases | Commercial | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	1,326
2019	1,835
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	3,161
Non purchased loans and leases | Commercial | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	1,326
2019	1,835
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	3,161
Non purchased loans and leases | Commercial | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0
Non purchased loans and leases | Commercial, financial, agricultural | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	1,496,869
2019	208,462
2018	82,029
2017	55,271
2016	21,981
Prior	25,284
Revolving Loans	249,974
Revolving Loans Converted to Term	12,539
Loans, net of unearned income	2,152,409
Non purchased loans and leases | Commercial, financial, agricultural | Pass
Loan portfolio by risk-rating grades
2020	1,490,637
2019	184,292
2018	77,209
2017	47,560
2016	17,411
Prior	23,379
Revolving Loans	234,139
Revolving Loans Converted to Term	10,846
Loans, net of unearned income	2,085,473	779,798
Non purchased loans and leases | Commercial, financial, agricultural | Pass-Watch
Loan portfolio by risk-rating grades
2020	5,841
2019	23,483
2018	3,318
2017	6,056
2016	4,177
Prior	178
Revolving Loans	11,352
Revolving Loans Converted to Term	796
Loans, net of unearned income	55,201	11,949
Non purchased loans and leases | Commercial, financial, agricultural | Substandard
Loan portfolio by risk-rating grades
2020	391
2019	687
2018	1,502
2017	1,655
2016	393
Prior	1,727
Revolving Loans	4,483
Revolving Loans Converted to Term	897
Loans, net of unearned income	11,735	11,715
Non purchased loans and leases | Commercial, financial, agricultural | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	26,726
2019	19,164
2018	12,105
2017	7,487
2016	3,440
Prior	12,258
Revolving Loans	211,383
Revolving Loans Converted to Term	322
Loans, net of unearned income	292,885
Non purchased loans and leases | Commercial, financial, agricultural | Internal Noninvestment Grade
Loan portfolio by risk-rating grades
Loans, net of unearned income		803,462
Non purchased loans and leases | Commercial, financial, agricultural | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		247,575
Non purchased loans and leases | Commercial, financial, agricultural | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	26,726
2019	19,052
2018	12,049
2017	7,107
2016	3,291
Prior	12,235
Revolving Loans	210,916
Revolving Loans Converted to Term	322
Loans, net of unearned income	291,698
Non purchased loans and leases | Commercial, financial, agricultural | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		1,316
Non purchased loans and leases | Commercial, financial, agricultural | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	112
2018	56
2017	380
2016	149
Prior	23
Revolving Loans	467
Revolving Loans Converted to Term	0
Loans, net of unearned income	1,187
Non purchased loans and leases | Lease Financing Receivables | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	27,278
2019	27,274
2018	18,993
2017	5,056
2016	1,836
Prior	2,491
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	82,928
Non purchased loans and leases | Lease Financing Receivables | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		81,649
Non purchased loans and leases | Lease Financing Receivables | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	27,278
2019	27,274
2018	18,993
2017	5,056
2016	1,836
Prior	2,491
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	82,928
Non purchased loans and leases | Lease Financing Receivables | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		226
Non purchased loans and leases | Lease Financing Receivables | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0
Non purchased loans and leases | Real estate – construction: | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	292,840
2019	277,380
2018	60,321
2017	27,528
2016	0
Prior	0
Revolving Loans	14,687
Revolving Loans Converted to Term	145
Loans, net of unearned income	672,901
Non purchased loans and leases | Real estate – construction: | Pass
Loan portfolio by risk-rating grades
Loans, net of unearned income		698,950
Non purchased loans and leases | Real estate – construction: | Pass-Watch
Loan portfolio by risk-rating grades
Loans, net of unearned income		501
Non purchased loans and leases | Real estate – construction: | Substandard
Loan portfolio by risk-rating grades
Loans, net of unearned income		9,209
Non purchased loans and leases | Real estate – construction: | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	37,614
2019	27,562
2018	295
2017	155
2016	0
Prior	0
Revolving Loans	346
Revolving Loans Converted to Term	0
Loans, net of unearned income	65,972
Non purchased loans and leases | Real estate – construction: | Internal Noninvestment Grade
Loan portfolio by risk-rating grades
Loans, net of unearned income		708,660
Non purchased loans and leases | Real estate – construction: | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		66,241
Non purchased loans and leases | Real estate – construction: | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		0
Non purchased loans and leases | Real estate – construction: | Residential | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	144,193
2019	37,303
2018	2,805
2017	0
2016	0
Prior	0
Revolving Loans	14,175
Revolving Loans Converted to Term	145
Loans, net of unearned income	198,621
Non purchased loans and leases | Real estate – construction: | Residential | Pass
Loan portfolio by risk-rating grades
2020	143,398
2019	37,239
2018	2,805
2017	0
2016	0
Prior	0
Revolving Loans	14,175
Revolving Loans Converted to Term	145
Loans, net of unearned income	197,762
Non purchased loans and leases | Real estate – construction: | Residential | Pass-Watch
Loan portfolio by risk-rating grades
2020	795
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	795
Non purchased loans and leases | Real estate – construction: | Residential | Substandard
Loan portfolio by risk-rating grades
2020	0
2019	64
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	64
Non purchased loans and leases | Real estate – construction: | Residential | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	36,288
2019	25,727
2018	295
2017	155
2016	0
Prior	0
Revolving Loans	346
Revolving Loans Converted to Term	0
Loans, net of unearned income	62,811
Non purchased loans and leases | Real estate – construction: | Residential | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	36,288
2019	25,727
2018	295
2017	155
2016	0
Prior	0
Revolving Loans	346
Revolving Loans Converted to Term	0
Loans, net of unearned income	62,811
Non purchased loans and leases | Real estate – construction: | Residential | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0
Non purchased loans and leases | Real estate – construction: | Commercial | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	148,647
2019	240,077
2018	57,516
2017	27,528
2016	0
Prior	0
Revolving Loans	512
Revolving Loans Converted to Term	0
Loans, net of unearned income	474,280
Non purchased loans and leases | Real estate – construction: | Commercial | Pass
Loan portfolio by risk-rating grades
2020	143,920
2019	222,291
2018	57,516
2017	27,528
2016	0
Prior	0
Revolving Loans	512
Revolving Loans Converted to Term	0
Loans, net of unearned income	451,767
Non purchased loans and leases | Real estate – construction: | Commercial | Pass-Watch
Loan portfolio by risk-rating grades
2020	4,727
2019	17,786
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	22,513
Non purchased loans and leases | Real estate – construction: | Commercial | Substandard
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	93,050
2019	90,316
2018	54,193
2017	35,024
2016	15,897
Prior	11,028
Revolving Loans	16,565
Revolving Loans Converted to Term	2,411
Loans, net of unearned income	318,484
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Pass
Loan portfolio by risk-rating grades
Loans, net of unearned income		339,079
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Pass-Watch
Loan portfolio by risk-rating grades
Loans, net of unearned income		3,856
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Substandard
Loan portfolio by risk-rating grades
Loans, net of unearned income		3,572
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	378,741
2019	381,768
2018	298,572
2017	223,228
2016	116,088
Prior	218,792
Revolving Loans	430,273
Revolving Loans Converted to Term	3,346
Loans, net of unearned income	2,050,808
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Internal Noninvestment Grade
Loan portfolio by risk-rating grades
Loans, net of unearned income		346,507
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		1,992,331
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		11,288
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	7,847
2019	7,610
2018	7,659
2017	5,548
2016	427
Prior	2,099
Revolving Loans	416
Revolving Loans Converted to Term	0
Loans, net of unearned income	31,606
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Pass
Loan portfolio by risk-rating grades
2020	7,847
2019	7,328
2018	7,659
2017	5,548
2016	427
Prior	2,083
Revolving Loans	416
Revolving Loans Converted to Term	0
Loans, net of unearned income	31,308
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Pass-Watch
Loan portfolio by risk-rating grades
2020	0
2019	162
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	162
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Substandard
Loan portfolio by risk-rating grades
2020	0
2019	120
2018	0
2017	0
2016	0
Prior	16
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	136
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	342,912
2019	353,445
2018	274,097
2017	200,836
2016	101,959
Prior	211,184
Revolving Loans	1,443
Revolving Loans Converted to Term	46
Loans, net of unearned income	1,485,922
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	342,912
2019	351,059
2018	271,076
2017	199,061
2016	101,238
Prior	209,090
Revolving Loans	1,443
Revolving Loans Converted to Term	46
Loans, net of unearned income	1,475,925
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Primary | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	2,386
2018	3,021
2017	1,775
2016	721
Prior	2,094
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	9,997
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	97
2019	565
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	10,563
Revolving Loans Converted to Term	0
Loans, net of unearned income	11,225
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Pass
Loan portfolio by risk-rating grades
2020	97
2019	565
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	10,438
Revolving Loans Converted to Term	0
Loans, net of unearned income	11,100
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Pass-Watch
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	125
Revolving Loans Converted to Term	0
Loans, net of unearned income	125
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Substandard
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	205
2018	377
2017	179
2016	45
Prior	965
Revolving Loans	426,583
Revolving Loans Converted to Term	2,801
Loans, net of unearned income	431,155
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	205
2018	377
2017	179
2016	45
Prior	848
Revolving Loans	426,434
Revolving Loans Converted to Term	2,507
Loans, net of unearned income	430,595
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Home equity | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	117
Revolving Loans	149
Revolving Loans Converted to Term	294
Loans, net of unearned income	560
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	37,906
2019	38,376
2018	32,752
2017	29,097
2016	15,247
Prior	8,516
Revolving Loans	1,260
Revolving Loans Converted to Term	570
Loans, net of unearned income	163,724
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Pass
Loan portfolio by risk-rating grades
2020	35,900
2019	36,978
2018	31,584
2017	27,640
2016	15,142
Prior	7,714
Revolving Loans	1,169
Revolving Loans Converted to Term	570
Loans, net of unearned income	156,697
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Pass-Watch
Loan portfolio by risk-rating grades
2020	1,816
2019	456
2018	434
2017	1,390
2016	0
Prior	603
Revolving Loans	91
Revolving Loans Converted to Term	0
Loans, net of unearned income	4,790
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Substandard
Loan portfolio by risk-rating grades
2020	190
2019	942
2018	734
2017	67
2016	105
Prior	199
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	2,237
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	24,840
2019	22,936
2018	20,378
2017	19,980
2016	12,950
Prior	6,007
Revolving Loans	1,497
Revolving Loans Converted to Term	499
Loans, net of unearned income	109,087
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	24,840
2019	22,830
2018	20,378
2017	19,859
2016	12,943
Prior	5,759
Revolving Loans	1,497
Revolving Loans Converted to Term	499
Loans, net of unearned income	108,605
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Rental/investment | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	106
2018	0
2017	121
2016	7
Prior	248
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	482
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	47,200
2019	43,765
2018	13,782
2017	379
2016	223
Prior	413
Revolving Loans	4,326
Revolving Loans Converted to Term	1,841
Loans, net of unearned income	111,929
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Pass
Loan portfolio by risk-rating grades
2020	47,200
2019	43,125
2018	13,782
2017	379
2016	217
Prior	375
Revolving Loans	4,322
Revolving Loans Converted to Term	1,841
Loans, net of unearned income	111,241
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Pass-Watch
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	38
Revolving Loans	4
Revolving Loans Converted to Term	0
Loans, net of unearned income	42
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Substandard
Loan portfolio by risk-rating grades
2020	0
2019	640
2018	0
2017	0
2016	6
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	646
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	10,989
2019	5,182
2018	3,720
2017	2,233
2016	1,134
Prior	636
Revolving Loans	750
Revolving Loans Converted to Term	0
Loans, net of unearned income	24,644
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	10,989
2019	5,182
2018	3,708
2017	2,200
2016	1,134
Prior	636
Revolving Loans	750
Revolving Loans Converted to Term	0
Loans, net of unearned income	24,599
Non purchased loans and leases | Real estate – 1-4 family mortgage: | Land development | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	12
2017	33
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	45
Non purchased loans and leases | Real estate – commercial mortgage: | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	674,040
2019	853,569
2018	495,652
2017	448,059
2016	387,416
Prior	329,400
Revolving Loans	79,338
Revolving Loans Converted to Term	18,350
Loans, net of unearned income	3,285,824
Non purchased loans and leases | Real estate – commercial mortgage: | Pass
Loan portfolio by risk-rating grades
Loans, net of unearned income		2,737,629
Non purchased loans and leases | Real estate – commercial mortgage: | Pass-Watch
Loan portfolio by risk-rating grades
Loans, net of unearned income		31,867
Non purchased loans and leases | Real estate – commercial mortgage: | Substandard
Loan portfolio by risk-rating grades
Loans, net of unearned income		26,711
Non purchased loans and leases | Real estate – commercial mortgage: | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	62,694
2019	76,274
2018	61,617
2017	50,869
2016	39,150
Prior	22,001
Revolving Loans	11,674
Revolving Loans Converted to Term	539
Loans, net of unearned income	324,818
Non purchased loans and leases | Real estate – commercial mortgage: | Internal Noninvestment Grade
Loan portfolio by risk-rating grades
Loans, net of unearned income		2,796,207
Non purchased loans and leases | Real estate – commercial mortgage: | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		330,714
Non purchased loans and leases | Real estate – commercial mortgage: | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		1,955
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	23,503
2019	25,938
2018	13,919
2017	5,238
2016	5,126
Prior	4,820
Revolving Loans	2,863
Revolving Loans Converted to Term	0
Loans, net of unearned income	81,407
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Pass
Loan portfolio by risk-rating grades
2020	21,084
2019	25,070
2018	12,617
2017	5,165
2016	3,539
Prior	4,820
Revolving Loans	2,863
Revolving Loans Converted to Term	0
Loans, net of unearned income	75,158
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Pass-Watch
Loan portfolio by risk-rating grades
2020	263
2019	868
2018	1,302
2017	73
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	2,506
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Substandard
Loan portfolio by risk-rating grades
2020	2,156
2019	0
2018	0
2017	0
2016	1,587
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	3,743
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	9,457
2019	9,359
2018	5,910
2017	3,191
2016	4,013
Prior	1,565
Revolving Loans	2,695
Revolving Loans Converted to Term	75
Loans, net of unearned income	36,265
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	9,457
2019	9,359
2018	5,910
2017	3,181
2016	4,013
Prior	1,522
Revolving Loans	2,695
Revolving Loans Converted to Term	75
Loans, net of unearned income	36,212
Non purchased loans and leases | Real estate – commercial mortgage: | Land development | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	10
2016	0
Prior	43
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	53
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	187,846
2019	272,468
2018	208,303
2017	186,479
2016	125,496
Prior	101,549
Revolving Loans	23,588
Revolving Loans Converted to Term	5,804
Loans, net of unearned income	1,111,533
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Pass
Loan portfolio by risk-rating grades
2020	174,500
2019	261,499
2018	175,671
2017	159,656
2016	99,871
Prior	86,635
Revolving Loans	18,854
Revolving Loans Converted to Term	5,804
Loans, net of unearned income	982,490
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Pass-Watch
Loan portfolio by risk-rating grades
2020	13,311
2019	10,202
2018	27,468
2017	22,250
2016	22,470
Prior	13,178
Revolving Loans	3,126
Revolving Loans Converted to Term	0
Loans, net of unearned income	112,005
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Substandard
Loan portfolio by risk-rating grades
2020	35
2019	767
2018	5,164
2017	4,573
2016	3,155
Prior	1,736
Revolving Loans	1,608
Revolving Loans Converted to Term	0
Loans, net of unearned income	17,038
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	36,389
2019	47,042
2018	39,417
2017	33,561
2016	26,849
Prior	15,425
Revolving Loans	5,876
Revolving Loans Converted to Term	316
Loans, net of unearned income	204,875
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	36,389
2019	47,042
2018	39,203
2017	33,382
2016	26,758
Prior	14,956
Revolving Loans	5,876
Revolving Loans Converted to Term	316
Loans, net of unearned income	203,922
Non purchased loans and leases | Real estate – commercial mortgage: | Owner-occupied | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	214
2017	179
2016	91
Prior	469
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	953
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	462,691
2019	555,163
2018	273,430
2017	256,342
2016	256,794
Prior	223,031
Revolving Loans	52,887
Revolving Loans Converted to Term	12,546
Loans, net of unearned income	2,092,884
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Pass
Loan portfolio by risk-rating grades
2020	428,272
2019	502,778
2018	235,155
2017	171,441
2016	190,683
Prior	164,334
Revolving Loans	46,252
Revolving Loans Converted to Term	12,427
Loans, net of unearned income	1,751,342
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Pass-Watch
Loan portfolio by risk-rating grades
2020	32,584
2019	50,069
2018	38,275
2017	83,315
2016	52,461
Prior	57,785
Revolving Loans	6,635
Revolving Loans Converted to Term	119
Loans, net of unearned income	321,243
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Substandard
Loan portfolio by risk-rating grades
2020	1,835
2019	2,316
2018	0
2017	1,586
2016	13,650
Prior	912
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	20,299
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	16,848
2019	19,873
2018	16,290
2017	14,117
2016	8,288
Prior	5,011
Revolving Loans	3,103
Revolving Loans Converted to Term	148
Loans, net of unearned income	83,678
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	16,848
2019	19,873
2018	16,232
2017	14,117
2016	8,288
Prior	4,956
Revolving Loans	3,103
Revolving Loans Converted to Term	148
Loans, net of unearned income	83,565
Non purchased loans and leases | Real estate – commercial mortgage: | Non-owner occupied | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	58
2017	0
2016	0
Prior	55
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	113
Non purchased loans and leases | Installment loans to individuals | Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	25
2019	5
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	20
Loans, net of unearned income	50
Non purchased loans and leases | Installment loans to individuals | Pass
Loan portfolio by risk-rating grades
2020	25
2019	5
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	20
Loans, net of unearned income	50	6
Non purchased loans and leases | Installment loans to individuals | Pass-Watch
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0	0
Non purchased loans and leases | Installment loans to individuals | Substandard
Loan portfolio by risk-rating grades
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Loans, net of unearned income	0	0
Non purchased loans and leases | Installment loans to individuals | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	59,631
2019	81,611
2018	15,836
2017	4,842
2016	2,856
Prior	1,915
Revolving Loans	10,363
Revolving Loans Converted to Term	91
Loans, net of unearned income	177,145
Non purchased loans and leases | Installment loans to individuals | Internal Noninvestment Grade
Loan portfolio by risk-rating grades
Loans, net of unearned income		6
Non purchased loans and leases | Installment loans to individuals | Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		199,549
Non purchased loans and leases | Installment loans to individuals | Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	59,621
2019	81,507
2018	15,730
2017	4,821
2016	2,804
Prior	1,914
Revolving Loans	10,360
Revolving Loans Converted to Term	91
Loans, net of unearned income	176,848
Non purchased loans and leases | Installment loans to individuals | Non- Performing
Loan portfolio by risk-rating grades
Loans, net of unearned income		$ 288
Non purchased loans and leases | Installment loans to individuals | Non- Performing | Not Subject to Credit Risk Assessment
Loan portfolio by risk-rating grades
2020	10
2019	104
2018	106
2017	21
2016	52
Prior	1
Revolving Loans	3
Revolving Loans Converted to Term	0
Loans, net of unearned income	$ 297

Non Purchased Loans - Loan Po_2

Non Purchased Loans - Loan Portfolio Not Subject to Risk Rating (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Loan portfolio not subject to risk rating
Total loans, net of unearned income	$ 11,084,738	$ 9,689,638
Commercial, financial, agricultural
Loan portfolio not subject to risk rating
Total loans, net of unearned income	2,648,062	1,367,972
Lease financing
Loan portfolio not subject to risk rating
Total loans, net of unearned income	82,928
Real estate – construction:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	773,119	826,483
Real estate – 1-4 family mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	2,760,394	2,866,613
Real estate – commercial mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	4,577,009	4,244,265
Installment loans to individuals
Loan portfolio not subject to risk rating
Total loans, net of unearned income	243,226	384,305
Non purchased loans and leases
Loan portfolio not subject to risk rating
Total loans, net of unearned income	$ 9,424,224	7,587,974
Non purchased loans and leases | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		2,933,132
Non purchased loans and leases | Performing and Nonperforming | Commercial, financial, agricultural
Loan portfolio not subject to risk rating
Total loans, net of unearned income		248,891
Non purchased loans and leases | Performing and Nonperforming | Lease financing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		81,875
Non purchased loans and leases | Performing and Nonperforming | Real estate – construction:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		66,241
Non purchased loans and leases | Performing and Nonperforming | Real estate – 1-4 family mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		2,003,619
Non purchased loans and leases | Performing and Nonperforming | Real estate – commercial mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		332,669
Non purchased loans and leases | Performing and Nonperforming | Installment loans to individuals
Loan portfolio not subject to risk rating
Total loans, net of unearned income		199,837
Non purchased loans and leases | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		2,918,059
Non purchased loans and leases | Performing | Commercial, financial, agricultural
Loan portfolio not subject to risk rating
Total loans, net of unearned income		247,575
Non purchased loans and leases | Performing | Lease financing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		81,649
Non purchased loans and leases | Performing | Real estate – construction:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		66,241
Non purchased loans and leases | Performing | Real estate – 1-4 family mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		1,992,331
Non purchased loans and leases | Performing | Real estate – commercial mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		330,714
Non purchased loans and leases | Performing | Installment loans to individuals
Loan portfolio not subject to risk rating
Total loans, net of unearned income		199,549
Non purchased loans and leases | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		15,073
Non purchased loans and leases | Non- Performing | Commercial, financial, agricultural
Loan portfolio not subject to risk rating
Total loans, net of unearned income		1,316
Non purchased loans and leases | Non- Performing | Lease financing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		226
Non purchased loans and leases | Non- Performing | Real estate – construction:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		0
Non purchased loans and leases | Non- Performing | Real estate – 1-4 family mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		11,288
Non purchased loans and leases | Non- Performing | Real estate – commercial mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income		1,955
Non purchased loans and leases | Non- Performing | Installment loans to individuals
Loan portfolio not subject to risk rating
Total loans, net of unearned income		$ 288

Non Purchased Loans - Impaired

Non Purchased Loans - Impaired Loans (Details) - Non purchased loans and leases $ in Thousands	Dec. 31, 2019USD ($)
Impaired loans
Unpaid Contractual Principal Balance	$ 41,170
Recorded Investment With Allowance	27,082
Recorded Investment With No Allowance	10,225
Total Recorded Investment	37,307
Related Allowance	1,759
Commercial, financial, agricultural
Impaired loans
Unpaid Contractual Principal Balance	6,623
Recorded Investment With Allowance	5,722
Recorded Investment With No Allowance	0
Total Recorded Investment	5,722
Related Allowance	1,222
Lease financing
Impaired loans
Unpaid Contractual Principal Balance	226
Recorded Investment With Allowance	226
Recorded Investment With No Allowance	0
Total Recorded Investment	226
Related Allowance	3
Real estate – construction:
Impaired loans
Unpaid Contractual Principal Balance	9,145
Recorded Investment With Allowance	0
Recorded Investment With No Allowance	9,145
Total Recorded Investment	9,145
Related Allowance	0
Real estate – 1-4 family mortgage
Impaired loans
Unpaid Contractual Principal Balance	14,018
Recorded Investment With Allowance	13,689
Recorded Investment With No Allowance	0
Total Recorded Investment	13,689
Related Allowance	143
Real estate – commercial mortgage:
Impaired loans
Unpaid Contractual Principal Balance	11,067
Recorded Investment With Allowance	7,361
Recorded Investment With No Allowance	1,080
Total Recorded Investment	8,441
Related Allowance	390
Installment loans to individuals
Impaired loans
Unpaid Contractual Principal Balance	91
Recorded Investment With Allowance	84
Recorded Investment With No Allowance	0
Total Recorded Investment	84
Related Allowance	$ 1

Non Purchased Loans - Investmen

Non Purchased Loans - Investment and Interest Income Recognized on Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Investment and interest income recognized on impaired loans
Average Recorded Investment	$ 9,636	$ 9,561
Interest Income Recognized	43	141
Non purchased loans and leases
Investment and interest income recognized on impaired loans
Average Recorded Investment	40,858	40,517
Interest Income Recognized	207	620
Non purchased loans and leases | Commercial, financial, agricultural
Investment and interest income recognized on impaired loans
Average Recorded Investment	5,705	5,656
Interest Income Recognized	5	23
Non purchased loans and leases | Lease financing
Investment and interest income recognized on impaired loans
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Non purchased loans and leases | Real estate – construction:
Investment and interest income recognized on impaired loans
Average Recorded Investment	12,128	11,756
Interest Income Recognized	111	321
Non purchased loans and leases | Real estate – 1-4 family mortgage
Investment and interest income recognized on impaired loans
Average Recorded Investment	12,203	12,323
Interest Income Recognized	50	153
Non purchased loans and leases | Real estate – commercial mortgage:
Investment and interest income recognized on impaired loans
Average Recorded Investment	10,692	10,652
Interest Income Recognized	41	122
Non purchased loans and leases | Installment loans to individuals
Investment and interest income recognized on impaired loans
Average Recorded Investment	130	130
Interest Income Recognized	$ 0	$ 1

Purchased Loans - Summary of Pu

Purchased Loans - Summary of Purchased Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Summary of loans
Gross loans	$ 11,084,738	$ 9,689,638
Commercial, financial, agricultural
Summary of loans
Gross loans	2,648,062	1,367,972
Real estate – construction:
Summary of loans
Gross loans	773,119	826,483
Real estate – 1-4 family mortgage
Summary of loans
Gross loans	2,760,394	2,866,613
Real estate – commercial mortgage:
Summary of loans
Gross loans	4,577,009	4,244,265
Installment loans to individuals
Summary of loans
Gross loans	243,226	384,305
Purchased loans
Summary of loans
Gross loans	1,660,514	2,101,664
Purchased loans | Commercial, financial, agricultural
Summary of loans
Gross loans	202,768	315,619
Purchased loans | Real estate – construction:
Summary of loans
Gross loans	34,246	51,582
Purchased loans | Real estate – construction: | Residential
Summary of loans
Gross loans	3,093	16,407
Purchased loans | Real estate – construction: | Commercial
Summary of loans
Gross loans	31,153	35,175
Purchased loans | Real estate – 1-4 family mortgage
Summary of loans
Gross loans	391,102	516,487
Purchased loans | Real estate – 1-4 family mortgage | Primary
Summary of loans
Gross loans	245,369	332,729
Purchased loans | Real estate – 1-4 family mortgage | Home equity
Summary of loans
Gross loans	95,235	117,275
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment
Summary of loans
Gross loans	33,567	43,169
Purchased loans | Real estate – 1-4 family mortgage | Land development
Summary of loans
Gross loans	16,931	23,314
Purchased loans | Real estate – commercial mortgage:
Summary of loans
Gross loans	966,367	1,115,389
Purchased loans | Real estate – commercial mortgage: | Land development
Summary of loans
Gross loans	32,694
Purchased loans | Real estate – commercial mortgage: | Owner-occupied
Summary of loans
Gross loans	355,994	428,077
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied
Summary of loans
Gross loans	577,679	647,308
Purchased loans | Real estate – commercial mortgage: | Land development
Summary of loans
Gross loans	32,694	40,004
Purchased loans | Installment loans to individuals
Summary of loans
Gross loans	$ 66,031	$ 102,587

Purchased Loans - Narrative (De

Purchased Loans - Narrative (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Loans and Allowance for Loan Losses (Textual) [Abstract]
Outstanding balance of restructured loans	$ 10,916,640,000		$ 10,916,640,000			$ 9,637,476,000
Allowance for loan losses attributable to restructured loans	168,098,000	$ 50,814,000	168,098,000	$ 50,814,000	$ 145,387,000	$ 52,162,000	$ 50,059,000	$ 49,026,000
Purchased loans
Loans and Allowance for Loan Losses (Textual) [Abstract]
Interest income			214,000
Modifications with subsequent default			$ 0	$ 0
Number of restructured loans | loan			1	2
Restructured loans discontinued past due period			90 days	90 days
Remaining availability under commitments to lend additional funds on restructured loans	$ 539,000	$ 5,000	$ 539,000	$ 5,000
Number of loan modifications | loan	6	2	13	4
Modified loans, balance	$ 3,148,000	$ 292,000	$ 5,262,000	$ 2,892,000
Purchased loans | Loan deferral | Loan Deferral Program, CARES Act
Loans and Allowance for Loan Losses (Textual) [Abstract]
Number of loan modifications | loan			465
Modified loans, balance			$ 124,000,000
Purchased loans | Nonaccruing loans
Loans and Allowance for Loan Losses (Textual) [Abstract]
Outstanding balance of restructured loans	40,000	272,000	40,000	272,000
Purchased loans | Restructured loans
Loans and Allowance for Loan Losses (Textual) [Abstract]
Outstanding balance of restructured loans	7,775,000	707,000	7,775,000	707,000
Allowance for loan losses attributable to restructured loans	$ 491,000	$ 91,000	$ 491,000	$ 91,000

Purchased Loans - Aging of Past

Purchased Loans - Aging of Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Past due and nonaccrual loans
Loans, net of unearned income	$ 11,084,738	$ 9,689,638
Commercial, financial, agricultural
Past due and nonaccrual loans
Loans, net of unearned income	2,648,062	1,367,972
Real estate – construction:
Past due and nonaccrual loans
Loans, net of unearned income	773,119	826,483
Real estate – 1-4 family mortgage
Past due and nonaccrual loans
Loans, net of unearned income	2,760,394	2,866,613
Real estate – commercial mortgage:
Past due and nonaccrual loans
Loans, net of unearned income	4,577,009	4,244,265
Installment loans to individuals
Past due and nonaccrual loans
Loans, net of unearned income	243,226	384,305
Purchased loans
Past due and nonaccrual loans
Loans, net of unearned income	1,660,514	2,101,664
Purchased loans | Accruing loans
Past due and nonaccrual loans
Loans, net of unearned income	1,635,693	2,094,626
Current Loans	1,628,985	2,075,422
Purchased loans | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Loans past due	6,390	14,887
Purchased loans | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Loans past due	318	4,317
Purchased loans | Nonaccruing loans
Past due and nonaccrual loans
Loans, net of unearned income	24,821	7,038
Current Loans	10,037	2,250
Purchased loans | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Loans past due	2,642	606
Purchased loans | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Loans past due	12,142	4,182
Purchased loans | Commercial, financial, agricultural
Past due and nonaccrual loans
Loans, net of unearned income	202,768	315,619
Purchased loans | Commercial, financial, agricultural | Accruing loans
Past due and nonaccrual loans
Current, gross	189,668	311,218
Loans, net of unearned income	190,760	314,105
Purchased loans | Commercial, financial, agricultural | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	1,056	1,889
Purchased loans | Commercial, financial, agricultural | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	36	998
Purchased loans | Commercial, financial, agricultural | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	4,120	268
Loans, net of unearned income	12,008	1,514
Purchased loans | Commercial, financial, agricultural | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	1,655	0
Purchased loans | Commercial, financial, agricultural | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	6,233	1,246
Purchased loans | Real estate – construction:
Past due and nonaccrual loans
Loans, net of unearned income	34,246	51,582
Purchased loans | Real estate – construction: | Accruing loans
Past due and nonaccrual loans
Current, gross	34,246	51,263
Loans, net of unearned income	34,246	51,582
Purchased loans | Real estate – construction: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0	319
Purchased loans | Real estate – construction: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0	0
Purchased loans | Real estate – construction: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	0	0
Loans, net of unearned income	0	0
Purchased loans | Real estate – construction: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0	0
Purchased loans | Real estate – construction: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0	0
Purchased loans | Real estate – 1-4 family mortgage
Past due and nonaccrual loans
Loans, net of unearned income	391,102	516,487
Purchased loans | Real estate – 1-4 family mortgage | Accruing loans
Past due and nonaccrual loans
Current, gross	380,933	503,826
Loans, net of unearned income	383,151	511,586
Purchased loans | Real estate – 1-4 family mortgage | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	2,040	5,516
Purchased loans | Real estate – 1-4 family mortgage | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	178	2,244
Purchased loans | Real estate – 1-4 family mortgage | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	3,462	1,534
Loans, net of unearned income	7,951	4,901
Purchased loans | Real estate – 1-4 family mortgage | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	329	605
Purchased loans | Real estate – 1-4 family mortgage | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	4,160	2,762
Purchased loans | Real estate – commercial mortgage:
Past due and nonaccrual loans
Loans, net of unearned income	966,367	1,115,389
Purchased loans | Real estate – commercial mortgage: | Accruing loans
Past due and nonaccrual loans
Current, gross	960,292	1,110,570
Loans, net of unearned income	961,796	1,114,946
Purchased loans | Real estate – commercial mortgage: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	1,450	3,454
Purchased loans | Real estate – commercial mortgage: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	54	922
Purchased loans | Real estate – commercial mortgage: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	2,296	320
Loans, net of unearned income	4,571	443
Purchased loans | Real estate – commercial mortgage: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	649	0
Purchased loans | Real estate – commercial mortgage: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	1,626	123
Purchased loans | Installment loans to individuals
Past due and nonaccrual loans
Loans, net of unearned income	66,031	102,587
Purchased loans | Installment loans to individuals | Accruing loans
Past due and nonaccrual loans
Current, gross	63,846	98,545
Loans, net of unearned income	65,740	102,407
Purchased loans | Installment loans to individuals | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	1,844	3,709
Purchased loans | Installment loans to individuals | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	50	153
Purchased loans | Installment loans to individuals | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	159	128
Loans, net of unearned income	291	180
Purchased loans | Installment loans to individuals | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	9	1
Purchased loans | Installment loans to individuals | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	123	51
Purchased loans | Residential | Real estate – construction:
Past due and nonaccrual loans
Loans, net of unearned income	3,093	16,407
Purchased loans | Residential | Real estate – construction: | Accruing loans
Past due and nonaccrual loans
Current, gross	3,093
Loans, net of unearned income	3,093
Purchased loans | Residential | Real estate – construction: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Residential | Real estate – construction: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Residential | Real estate – construction: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	0
Loans, net of unearned income	0
Purchased loans | Residential | Real estate – construction: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Residential | Real estate – construction: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Commercial | Real estate – construction:
Past due and nonaccrual loans
Loans, net of unearned income	31,153	35,175
Purchased loans | Commercial | Real estate – construction: | Accruing loans
Past due and nonaccrual loans
Current, gross	31,153
Loans, net of unearned income	31,153
Purchased loans | Commercial | Real estate – construction: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Commercial | Real estate – construction: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Commercial | Real estate – construction: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	0
Loans, net of unearned income	0
Purchased loans | Commercial | Real estate – construction: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Commercial | Real estate – construction: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Primary | Real estate – 1-4 family mortgage
Past due and nonaccrual loans
Loans, net of unearned income	245,369	332,729
Purchased loans | Primary | Real estate – 1-4 family mortgage | Accruing loans
Past due and nonaccrual loans
Current, gross	238,937
Loans, net of unearned income	239,846
Purchased loans | Primary | Real estate – 1-4 family mortgage | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	845
Purchased loans | Primary | Real estate – 1-4 family mortgage | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	64
Purchased loans | Primary | Real estate – 1-4 family mortgage | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	2,400
Loans, net of unearned income	5,523
Purchased loans | Primary | Real estate – 1-4 family mortgage | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	329
Purchased loans | Primary | Real estate – 1-4 family mortgage | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	2,794
Purchased loans | Home equity | Real estate – 1-4 family mortgage
Past due and nonaccrual loans
Loans, net of unearned income	95,235	117,275
Purchased loans | Home equity | Real estate – 1-4 family mortgage | Accruing loans
Past due and nonaccrual loans
Current, gross	93,006
Loans, net of unearned income	93,959
Purchased loans | Home equity | Real estate – 1-4 family mortgage | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	839
Purchased loans | Home equity | Real estate – 1-4 family mortgage | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	114
Purchased loans | Home equity | Real estate – 1-4 family mortgage | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	647
Loans, net of unearned income	1,276
Purchased loans | Home equity | Real estate – 1-4 family mortgage | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Home equity | Real estate – 1-4 family mortgage | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	629
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage
Past due and nonaccrual loans
Loans, net of unearned income	33,567	43,169
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage | Accruing loans
Past due and nonaccrual loans
Current, gross	32,409
Loans, net of unearned income	32,765
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	356
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	94
Loans, net of unearned income	802
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Rental/investment | Real estate – 1-4 family mortgage | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	708
Purchased loans | Land development | Real estate – 1-4 family mortgage
Past due and nonaccrual loans
Loans, net of unearned income	16,931	23,314
Purchased loans | Land development | Real estate – 1-4 family mortgage | Accruing loans
Past due and nonaccrual loans
Current, gross	16,581
Loans, net of unearned income	16,581
Purchased loans | Land development | Real estate – 1-4 family mortgage | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Land development | Real estate – 1-4 family mortgage | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Land development | Real estate – 1-4 family mortgage | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	321
Loans, net of unearned income	350
Purchased loans | Land development | Real estate – 1-4 family mortgage | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Land development | Real estate – 1-4 family mortgage | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	29
Purchased loans | Land development | Real estate – commercial mortgage:
Past due and nonaccrual loans
Loans, net of unearned income	32,694
Purchased loans | Land development | Real estate – commercial mortgage: | Accruing loans
Past due and nonaccrual loans
Current, gross	32,142
Loans, net of unearned income	32,303
Purchased loans | Land development | Real estate – commercial mortgage: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	161
Purchased loans | Land development | Real estate – commercial mortgage: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Land development | Real estate – commercial mortgage: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	227
Loans, net of unearned income	391
Purchased loans | Land development | Real estate – commercial mortgage: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Land development | Real estate – commercial mortgage: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	164
Purchased loans | Owner-occupied | Real estate – commercial mortgage:
Past due and nonaccrual loans
Loans, net of unearned income	355,994	428,077
Purchased loans | Owner-occupied | Real estate – commercial mortgage: | Accruing loans
Past due and nonaccrual loans
Current, gross	351,688
Loans, net of unearned income	352,539
Purchased loans | Owner-occupied | Real estate – commercial mortgage: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	851
Purchased loans | Owner-occupied | Real estate – commercial mortgage: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	0
Purchased loans | Owner-occupied | Real estate – commercial mortgage: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	2,059
Loans, net of unearned income	3,455
Purchased loans | Owner-occupied | Real estate – commercial mortgage: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	505
Purchased loans | Owner-occupied | Real estate – commercial mortgage: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	891
Purchased loans | Non-owner occupied | Real estate – commercial mortgage:
Past due and nonaccrual loans
Loans, net of unearned income	577,679	$ 647,308
Purchased loans | Non-owner occupied | Real estate – commercial mortgage: | Accruing loans
Past due and nonaccrual loans
Current, gross	576,462
Loans, net of unearned income	576,954
Purchased loans | Non-owner occupied | Real estate – commercial mortgage: | Accruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	438
Purchased loans | Non-owner occupied | Real estate – commercial mortgage: | Accruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	54
Purchased loans | Non-owner occupied | Real estate – commercial mortgage: | Nonaccruing loans
Past due and nonaccrual loans
Current, gross	10
Loans, net of unearned income	725
Purchased loans | Non-owner occupied | Real estate – commercial mortgage: | Nonaccruing loans | 30-89 Days Past Due
Past due and nonaccrual loans
Past due, gross	144
Purchased loans | Non-owner occupied | Real estate – commercial mortgage: | Nonaccruing loans | 90 Days or More Past Due
Past due and nonaccrual loans
Past due, gross	$ 571

Purchased Loans - Impact of Mod

Purchased Loans - Impact of Modifications Classified as Restructured Loans (Details) - Purchased loans $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan
Restructured loans
Number of Loans | loan	6	2	13	4
Pre- Modification Outstanding Recorded Investment	$ 3,148	$ 292	$ 5,262	$ 2,892
Post- Modification Outstanding Recorded Investment	$ 2,888	$ 292	$ 4,896	$ 2,888
Commercial
Restructured loans
Number of Loans | loan		1	1	2
Pre- Modification Outstanding Recorded Investment		$ 258	$ 1,029	$ 2,778
Post- Modification Outstanding Recorded Investment		$ 258	$ 1,031	$ 2,778
Real estate – 1-4 family mortgage
Restructured loans
Number of Loans | loan	2	1	5	1
Pre- Modification Outstanding Recorded Investment	$ 44	$ 34	$ 493	$ 34
Post- Modification Outstanding Recorded Investment	$ 44	$ 34	$ 389	$ 34
Real estate – 1-4 family mortgage | Primary
Restructured loans
Number of Loans | loan	2		4
Pre- Modification Outstanding Recorded Investment	$ 44		$ 334
Post- Modification Outstanding Recorded Investment	$ 44		$ 227
Real estate – 1-4 family mortgage | Home equity
Restructured loans
Number of Loans | loan			1
Pre- Modification Outstanding Recorded Investment			$ 159
Post- Modification Outstanding Recorded Investment			$ 162
Real estate – commercial mortgage:
Restructured loans
Number of Loans | loan	4		6	1
Pre- Modification Outstanding Recorded Investment	$ 3,104		$ 3,715	$ 80
Post- Modification Outstanding Recorded Investment	$ 2,844		$ 3,457	$ 76
Real estate – commercial mortgage: | Owner-occupied
Restructured loans
Number of Loans | loan	4		5
Pre- Modification Outstanding Recorded Investment	$ 3,104		$ 3,173
Post- Modification Outstanding Recorded Investment	$ 2,844		$ 2,913
Real estate – commercial mortgage: | Non-owner occupied
Restructured loans
Number of Loans | loan			1
Pre- Modification Outstanding Recorded Investment			$ 542
Post- Modification Outstanding Recorded Investment			$ 544
Installment loans to individuals
Restructured loans
Number of Loans | loan			1
Pre- Modification Outstanding Recorded Investment			$ 25
Post- Modification Outstanding Recorded Investment			$ 19

Purchased Loans - Changes in Re

Purchased Loans - Changes in Restructured Loans (Details) - Purchased loans $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)loan
Number of Loans
Total, beginning balance (loans) | loan	54
Additional advances or loans with concessions (loans) | loan	13
Reclassified as performing restructured loans (loans) | loan	1
Reclassified to nonperforming loans (loans) | loan	(13)
Paid in full (loans) | loan	(2)
Charge-offs (loans) | loan	(1)
Principal paydowns (loans) | loan	0
Total, ending balance (loans) | loan	52
Recorded Investment
Total, beginning balance | $	$ 7,275
Additional advances or loans with concessions | $	5,159
Reclassified as performing restructured loan | $	74
Reclassified to nonperforming loans | $	(2,489)
Paid in full | $	(422)
Charge-offs | $	(3)
Principal paydowns | $	(444)
Total, ending balance | $	$ 9,150

Purchased Loans - Loan Portfoli

Purchased Loans - Loan Portfolio by Risk-Rating Grades (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	$ 11,084,738	$ 9,689,638
Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	2,648,062	1,367,972
Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	773,119	826,483
Real estate – 1-4 family mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	2,760,394	2,866,613
Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	4,577,009	4,244,265
Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	243,226	384,305
Purchased loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	1,660,514	2,101,664
Purchased loans | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	727
2018	138,663
2017	210,903
2016	225,457
Prior	547,346
Revolving Loans	89,785
Revolving Loans Converted to Term	6,649
Total loans, net of unearned income	1,219,530
Purchased loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	727
2018	96,421
2017	167,570
2016	155,573
Prior	434,295
Revolving Loans	69,250
Revolving Loans Converted to Term	628
Total loans, net of unearned income	924,464	1,296,372
Purchased loans | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	11,475
2017	27,154
2016	43,436
Prior	65,416
Revolving Loans	788
Revolving Loans Converted to Term	4,682
Total loans, net of unearned income	152,951	64,291
Purchased loans | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	30,767
2017	16,179
2016	26,448
Prior	47,635
Revolving Loans	19,747
Revolving Loans Converted to Term	1,339
Total loans, net of unearned income	142,115	24,990
Purchased loans | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	714
2018	44,341
2017	61,816
2016	35,201
Prior	200,256
Revolving Loans	96,395
Revolving Loans Converted to Term	2,261
Total loans, net of unearned income	440,984
Purchased loans | Internal Noninvestment Grade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		1,385,653
Purchased loans | Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	202,768	315,619
Purchased loans | Commercial, financial, agricultural | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	727
2018	36,120
2017	33,922
2016	29,041
Prior	25,136
Revolving Loans	65,214
Revolving Loans Converted to Term	1,712
Total loans, net of unearned income	191,872
Purchased loans | Commercial, financial, agricultural | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	727
2018	23,006
2017	25,516
2016	22,081
Prior	20,778
Revolving Loans	55,670
Revolving Loans Converted to Term	628
Total loans, net of unearned income	148,406	259,760
Purchased loans | Commercial, financial, agricultural | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	10
2017	1,270
2016	1,499
Prior	584
Revolving Loans	676
Revolving Loans Converted to Term	0
Total loans, net of unearned income	4,039	7,166
Purchased loans | Commercial, financial, agricultural | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	13,104
2017	7,136
2016	5,461
Prior	3,774
Revolving Loans	8,868
Revolving Loans Converted to Term	1,084
Total loans, net of unearned income	39,427	5,220
Purchased loans | Commercial, financial, agricultural | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	491
2017	355
2016	330
Prior	2,846
Revolving Loans	6,825
Revolving Loans Converted to Term	49
Total loans, net of unearned income	10,896
Purchased loans | Commercial, financial, agricultural | Internal Noninvestment Grade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		272,146
Purchased loans | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	34,246	51,582
Purchased loans | Real estate – construction: | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	10,887
2017	9,268
2016	14,091
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	34,246
Purchased loans | Real estate – construction: | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		48,994
Purchased loans | Real estate – construction: | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Purchased loans | Real estate – construction: | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Purchased loans | Real estate – construction: | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – construction: | Internal Noninvestment Grade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		48,994
Purchased loans | Real estate – construction: | Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	3,093	16,407
Purchased loans | Real estate – construction: | Residential | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	2,203
2017	207
2016	683
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	3,093
Purchased loans | Real estate – construction: | Residential | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	2,203
2017	207
2016	683
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	3,093
Purchased loans | Real estate – construction: | Residential | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – construction: | Residential | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – construction: | Residential | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – construction: | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	31,153	35,175
Purchased loans | Real estate – construction: | Commercial | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	8,684
2017	9,061
2016	13,408
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	31,153
Purchased loans | Real estate – construction: | Commercial | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	8,684
2017	9,061
2016	13,408
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	31,153
Purchased loans | Real estate – construction: | Commercial | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – construction: | Commercial | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – 1-4 family mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	391,102	516,487
Purchased loans | Real estate – 1-4 family mortgage | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	14,029
2017	9,639
2016	2,012
Prior	40,034
Revolving Loans	2,653
Revolving Loans Converted to Term	253
Total loans, net of unearned income	68,620
Purchased loans | Real estate – 1-4 family mortgage | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		78,105
Purchased loans | Real estate – 1-4 family mortgage | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		791
Purchased loans | Real estate – 1-4 family mortgage | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		3,935
Purchased loans | Real estate – 1-4 family mortgage | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	375
2018	3,264
2017	43,061
2016	32,608
Prior	156,497
Revolving Loans	84,500
Revolving Loans Converted to Term	2,177
Total loans, net of unearned income	322,482
Purchased loans | Real estate – 1-4 family mortgage | Internal Noninvestment Grade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		82,831
Purchased loans | Real estate – 1-4 family mortgage | Primary
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	245,369	332,729
Purchased loans | Real estate – 1-4 family mortgage | Primary | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	7,734
2017	5,163
2016	611
Prior	17,809
Revolving Loans	249
Revolving Loans Converted to Term	0
Total loans, net of unearned income	31,566
Purchased loans | Real estate – 1-4 family mortgage | Primary | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	6,438
2017	5,163
2016	604
Prior	12,904
Revolving Loans	249
Revolving Loans Converted to Term	0
Total loans, net of unearned income	25,358
Purchased loans | Real estate – 1-4 family mortgage | Primary | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	314
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	314
Purchased loans | Real estate – 1-4 family mortgage | Primary | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	1,296
2017	0
2016	7
Prior	4,591
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	5,894
Purchased loans | Real estate – 1-4 family mortgage | Primary | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	250
2018	2,029
2017	38,366
2016	30,249
Prior	142,336
Revolving Loans	461
Revolving Loans Converted to Term	112
Total loans, net of unearned income	213,803
Purchased loans | Real estate – 1-4 family mortgage | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	95,235	117,275
Purchased loans | Real estate – 1-4 family mortgage | Home equity | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	943
Revolving Loans Converted to Term	253
Total loans, net of unearned income	1,196
Purchased loans | Real estate – 1-4 family mortgage | Home equity | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	221
Revolving Loans Converted to Term	0
Total loans, net of unearned income	221
Purchased loans | Real estate – 1-4 family mortgage | Home equity | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – 1-4 family mortgage | Home equity | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	722
Revolving Loans Converted to Term	253
Total loans, net of unearned income	975
Purchased loans | Real estate – 1-4 family mortgage | Home equity | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	744
2017	4,472
2016	1,799
Prior	1,040
Revolving Loans	83,919
Revolving Loans Converted to Term	2,065
Total loans, net of unearned income	94,039
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	33,567	43,169
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	1,904
2016	316
Prior	19,013
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	21,233
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	1,904
2016	316
Prior	16,511
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	18,731
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	201
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	201
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	2,301
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	2,301
Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	125
2018	0
2017	150
2016	203
Prior	11,736
Revolving Loans	120
Revolving Loans Converted to Term	0
Total loans, net of unearned income	12,334
Purchased loans | Real estate – 1-4 family mortgage | Land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	16,931	23,314
Purchased loans | Real estate – 1-4 family mortgage | Land development | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	6,295
2017	2,572
2016	1,085
Prior	3,212
Revolving Loans	1,461
Revolving Loans Converted to Term	0
Total loans, net of unearned income	14,625
Purchased loans | Real estate – 1-4 family mortgage | Land development | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	6,295
2017	2,549
2016	1,085
Prior	1,842
Revolving Loans	1,461
Revolving Loans Converted to Term	0
Total loans, net of unearned income	13,232
Purchased loans | Real estate – 1-4 family mortgage | Land development | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Purchased loans | Real estate – 1-4 family mortgage | Land development | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	23
2016	0
Prior	1,370
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	1,393
Purchased loans | Real estate – 1-4 family mortgage | Land development | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	491
2017	73
2016	357
Prior	1,385
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	2,306
Purchased loans | Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	966,367	1,115,389
Purchased loans | Real estate – commercial mortgage: | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	77,627
2017	158,074
2016	180,313
Prior	482,175
Revolving Loans	21,918
Revolving Loans Converted to Term	4,684
Total loans, net of unearned income	924,791
Purchased loans | Real estate – commercial mortgage: | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		909,513
Purchased loans | Real estate – commercial mortgage: | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		56,334
Purchased loans | Real estate – commercial mortgage: | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		15,835
Purchased loans | Real estate – commercial mortgage: | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	339
2018	620
2017	1,339
2016	998
Prior	36,416
Revolving Loans	1,864
Revolving Loans Converted to Term	0
Total loans, net of unearned income	41,576
Purchased loans | Real estate – commercial mortgage: | Internal Noninvestment Grade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		981,682
Purchased loans | Real estate – commercial mortgage: | Land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	32,694
Purchased loans | Real estate – commercial mortgage: | Land development | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	6,539
2017	4,303
2016	2,966
Prior	13,558
Revolving Loans	178
Revolving Loans Converted to Term	0
Total loans, net of unearned income	27,544
Purchased loans | Real estate – commercial mortgage: | Land development | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	5,665
2017	4,249
2016	2,785
Prior	6,000
Revolving Loans	66
Revolving Loans Converted to Term	0
Total loans, net of unearned income	18,765
Purchased loans | Real estate – commercial mortgage: | Land development | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	874
2017	54
2016	44
Prior	6,141
Revolving Loans	112
Revolving Loans Converted to Term	0
Total loans, net of unearned income	7,225
Purchased loans | Real estate – commercial mortgage: | Land development | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	137
Prior	1,417
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	1,554
Purchased loans | Real estate – commercial mortgage: | Land development | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	157
2017	334
2016	261
Prior	4,105
Revolving Loans	293
Revolving Loans Converted to Term	0
Total loans, net of unearned income	5,150
Purchased loans | Real estate – commercial mortgage: | Owner-occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	355,994	428,077
Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	14,819
2017	34,515
2016	63,851
Prior	204,177
Revolving Loans	15,144
Revolving Loans Converted to Term	2
Total loans, net of unearned income	332,508
Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	12,732
2017	31,558
2016	44,681
Prior	157,159
Revolving Loans	4,987
Revolving Loans Converted to Term	0
Total loans, net of unearned income	251,117
Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	2,087
2017	1,615
2016	11,202
Prior	24,427
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	39,331
Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	1,342
2016	7,968
Prior	22,591
Revolving Loans	10,157
Revolving Loans Converted to Term	2
Total loans, net of unearned income	42,060
Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	955
2016	670
Prior	20,457
Revolving Loans	1,404
Revolving Loans Converted to Term	0
Total loans, net of unearned income	23,486
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	577,679	647,308
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	56,269
2017	119,256
2016	113,496
Prior	264,440
Revolving Loans	6,596
Revolving Loans Converted to Term	4,682
Total loans, net of unearned income	564,739
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	31,398
2017	87,363
2016	69,930
Prior	219,100
Revolving Loans	6,596
Revolving Loans Converted to Term	0
Total loans, net of unearned income	414,387
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	8,504
2017	24,215
2016	30,691
Prior	33,749
Revolving Loans	0
Revolving Loans Converted to Term	4,682
Total loans, net of unearned income	101,841
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	16,367
2017	7,678
2016	12,875
Prior	11,591
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	48,511
Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	339
2018	463
2017	50
2016	67
Prior	11,854
Revolving Loans	167
Revolving Loans Converted to Term	0
Total loans, net of unearned income	12,940
Purchased loans | Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income	66,031	102,587
Purchased loans | Installment loans to individuals | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Purchased loans | Installment loans to individuals | Pass-Watch
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Purchased loans | Installment loans to individuals | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Purchased loans | Installment loans to individuals | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	39,966
2017	17,061
2016	1,265
Prior	4,497
Revolving Loans	3,206
Revolving Loans Converted to Term	35
Total loans, net of unearned income	66,030
Purchased loans | Installment loans to individuals | Internal Noninvestment Grade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Performing | Purchased loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		539,747
Performing | Purchased loans | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	714
2018	44,165
2017	60,936
2016	34,862
Prior	194,923
Revolving Loans	95,750
Revolving Loans Converted to Term	1,750
Total loans, net of unearned income	433,100
Performing | Purchased loans | Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		13,935
Performing | Purchased loans | Commercial, financial, agricultural | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	491
2017	355
2016	330
Prior	2,846
Revolving Loans	6,825
Revolving Loans Converted to Term	49
Total loans, net of unearned income	10,896
Performing | Purchased loans | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		1,725
Performing | Purchased loans | Real estate – construction: | Residential | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Performing | Purchased loans | Real estate – 1-4 family mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		394,476
Performing | Purchased loans | Real estate – 1-4 family mortgage | Primary | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	250
2018	1,918
2017	37,605
2016	30,227
Prior	137,837
Revolving Loans	461
Revolving Loans Converted to Term	26
Total loans, net of unearned income	208,324
Performing | Purchased loans | Real estate – 1-4 family mortgage | Home equity | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	744
2017	4,472
2016	1,799
Prior	973
Revolving Loans	83,274
Revolving Loans Converted to Term	1,640
Total loans, net of unearned income	92,902
Performing | Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	125
2018	0
2017	150
2016	203
Prior	11,632
Revolving Loans	120
Revolving Loans Converted to Term	0
Total loans, net of unearned income	12,230
Performing | Purchased loans | Real estate – 1-4 family mortgage | Land development | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	491
2017	30
2016	118
Prior	1,385
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	2,024
Performing | Purchased loans | Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		30,472
Performing | Purchased loans | Real estate – commercial mortgage: | Land development | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	157
2017	334
2016	261
Prior	4,044
Revolving Loans	293
Revolving Loans Converted to Term	0
Total loans, net of unearned income	5,089
Performing | Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	955
2016	670
Prior	20,175
Revolving Loans	1,404
Revolving Loans Converted to Term	0
Total loans, net of unearned income	23,204
Performing | Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	339
2018	463
2017	50
2016	67
Prior	11,656
Revolving Loans	167
Revolving Loans Converted to Term	0
Total loans, net of unearned income	12,742
Performing | Purchased loans | Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		99,139
Performing | Purchased loans | Installment loans to individuals | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	39,901
2017	16,985
2016	1,187
Prior	4,375
Revolving Loans	3,206
Revolving Loans Converted to Term	35
Total loans, net of unearned income	65,689
Non- Performing | Purchased loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		4,000
Non- Performing | Purchased loans | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	176
2017	880
2016	339
Prior	5,333
Revolving Loans	645
Revolving Loans Converted to Term	511
Total loans, net of unearned income	7,884
Non- Performing | Purchased loans | Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Non- Performing | Purchased loans | Commercial, financial, agricultural | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Non- Performing | Purchased loans | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		0
Non- Performing | Purchased loans | Real estate – construction: | Residential | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	0
Non- Performing | Purchased loans | Real estate – 1-4 family mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		3,638
Non- Performing | Purchased loans | Real estate – 1-4 family mortgage | Primary | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	111
2017	761
2016	22
Prior	4,499
Revolving Loans	0
Revolving Loans Converted to Term	86
Total loans, net of unearned income	5,479
Non- Performing | Purchased loans | Real estate – 1-4 family mortgage | Home equity | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	67
Revolving Loans	645
Revolving Loans Converted to Term	425
Total loans, net of unearned income	1,137
Non- Performing | Purchased loans | Real estate – 1-4 family mortgage | Rental/investment | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	104
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	104
Non- Performing | Purchased loans | Real estate – 1-4 family mortgage | Land development | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	43
2016	239
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	282
Non- Performing | Purchased loans | Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		101
Non- Performing | Purchased loans | Real estate – commercial mortgage: | Land development | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	61
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	61
Non- Performing | Purchased loans | Real estate – commercial mortgage: | Owner-occupied | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	282
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	282
Non- Performing | Purchased loans | Real estate – commercial mortgage: | Non-owner occupied | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	198
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	198
Non- Performing | Purchased loans | Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, net of unearned income		$ 261
Non- Performing | Purchased loans | Installment loans to individuals | Not Subject to Credit Risk Assessment
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	65
2017	76
2016	78
Prior	122
Revolving Loans	0
Revolving Loans Converted to Term	0
Total loans, net of unearned income	$ 341

Purchased Loans - Loan Portfo_2

Purchased Loans - Loan Portfolio Not Subject to Risk Rating (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Loan portfolio not subject to risk rating
Total loans, net of unearned income	$ 11,084,738	$ 9,689,638
Commercial, financial, agricultural
Loan portfolio not subject to risk rating
Total loans, net of unearned income	2,648,062	1,367,972
Real estate – construction:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	773,119	826,483
Real estate – 1-4 family mortgage
Loan portfolio not subject to risk rating
Total loans, net of unearned income	2,760,394	2,866,613
Real estate – commercial mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	4,577,009	4,244,265
Installment loans to individuals
Loan portfolio not subject to risk rating
Total loans, net of unearned income	243,226	384,305
Purchased loans
Loan portfolio not subject to risk rating
Total loans, net of unearned income	1,660,514	2,101,664
Purchased loans | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		543,747
Purchased loans | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		539,747
Purchased loans | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		4,000
Purchased loans | Commercial, financial, agricultural
Loan portfolio not subject to risk rating
Total loans, net of unearned income	202,768	315,619
Purchased loans | Commercial, financial, agricultural | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		13,935
Purchased loans | Commercial, financial, agricultural | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		13,935
Purchased loans | Commercial, financial, agricultural | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		0
Purchased loans | Real estate – construction:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	34,246	51,582
Purchased loans | Real estate – construction: | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		1,725
Purchased loans | Real estate – construction: | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		1,725
Purchased loans | Real estate – construction: | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		0
Purchased loans | Real estate – 1-4 family mortgage
Loan portfolio not subject to risk rating
Total loans, net of unearned income	391,102	516,487
Purchased loans | Real estate – 1-4 family mortgage | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		398,114
Purchased loans | Real estate – 1-4 family mortgage | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		394,476
Purchased loans | Real estate – 1-4 family mortgage | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		3,638
Purchased loans | Real estate – commercial mortgage:
Loan portfolio not subject to risk rating
Total loans, net of unearned income	966,367	1,115,389
Purchased loans | Real estate – commercial mortgage: | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		30,573
Purchased loans | Real estate – commercial mortgage: | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		30,472
Purchased loans | Real estate – commercial mortgage: | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		101
Purchased loans | Installment loans to individuals
Loan portfolio not subject to risk rating
Total loans, net of unearned income	$ 66,031	102,587
Purchased loans | Installment loans to individuals | Performing and Nonperforming
Loan portfolio not subject to risk rating
Total loans, net of unearned income		99,400
Purchased loans | Installment loans to individuals | Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		99,139
Purchased loans | Installment loans to individuals | Non- Performing
Loan portfolio not subject to risk rating
Total loans, net of unearned income		$ 261

Purchased Loans - Impaired Loan

Purchased Loans - Impaired Loans and Average Recorded Investment (Details) - Purchased $ in Thousands	Dec. 31, 2019USD ($)
Impaired loans
Unpaid Contractual Principal Balance	$ 15,062
Recorded Investment With Allowance	8,228
Recorded Investment With No Allowance	5,644
Total Recorded Investment	13,872
Related Allowance	253
Commercial, financial, agricultural
Impaired loans
Unpaid Contractual Principal Balance	2,979
Recorded Investment With Allowance	1,837
Recorded Investment With No Allowance	901
Total Recorded Investment	2,738
Related Allowance	212
Real estate – construction:
Impaired loans
Unpaid Contractual Principal Balance	3,269
Recorded Investment With Allowance	2,499
Recorded Investment With No Allowance	772
Total Recorded Investment	3,271
Related Allowance	16
Real estate – 1-4 family mortgage
Impaired loans
Unpaid Contractual Principal Balance	7,464
Recorded Investment With Allowance	2,801
Recorded Investment With No Allowance	3,772
Total Recorded Investment	6,573
Related Allowance	17
Real estate – commercial mortgage:
Impaired loans
Unpaid Contractual Principal Balance	1,148
Recorded Investment With Allowance	981
Recorded Investment With No Allowance	128
Total Recorded Investment	1,109
Related Allowance	6
Installment loans to individuals
Impaired loans
Unpaid Contractual Principal Balance	202
Recorded Investment With Allowance	110
Recorded Investment With No Allowance	71
Total Recorded Investment	181
Related Allowance	$ 2

Purchased Loans - Investment an

Purchased Loans - Investment and Interest Income Recognized on Impaired Loans (Details) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	$ 9,636	$ 9,561
Interest Income Recognized	43	141
Purchased loans | Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	2,533	2,312
Interest Income Recognized	2	6
Purchased loans | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	256	256
Interest Income Recognized	0	3
Purchased loans | Real estate – 1-4 family mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	5,364	5,468
Interest Income Recognized	30	96
Purchased loans | Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	1,150	1,185
Interest Income Recognized	11	36
Purchased loans | Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	333	340
Interest Income Recognized	$ 0	$ 0

Purchased Loans - Loans Acquire

Purchased Loans - Loans Acquired with Deteriorated Credit Quality (Details) - Purchased loans $ in Thousands	Dec. 31, 2019USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	$ 15,062
Recorded Investment With Allowance	8,228
Recorded Investment With No Allowance	5,644
Total Recorded Investment	13,872
Related Allowance	253
Commercial, financial, agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	2,979
Recorded Investment With Allowance	1,837
Recorded Investment With No Allowance	901
Total Recorded Investment	2,738
Related Allowance	212
Real estate – construction:
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	3,269
Recorded Investment With Allowance	2,499
Recorded Investment With No Allowance	772
Total Recorded Investment	3,271
Related Allowance	16
Real estate – 1-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	7,464
Recorded Investment With Allowance	2,801
Recorded Investment With No Allowance	3,772
Total Recorded Investment	6,573
Related Allowance	17
Real estate – commercial mortgage:
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	1,148
Recorded Investment With Allowance	981
Recorded Investment With No Allowance	128
Total Recorded Investment	1,109
Related Allowance	6
Installment loans to individuals
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	202
Recorded Investment With Allowance	110
Recorded Investment With No Allowance	71
Total Recorded Investment	181
Related Allowance	2
Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	218,353
Recorded Investment With Allowance	66,897
Recorded Investment With No Allowance	105,367
Total Recorded Investment	172,264
Related Allowance	1,971
Purchased with deteriorated credit quality | Commercial, financial, agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	49,162
Recorded Investment With Allowance	3,695
Recorded Investment With No Allowance	25,843
Total Recorded Investment	29,538
Related Allowance	292
Purchased with deteriorated credit quality | Real estate – construction:
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	882
Recorded Investment With Allowance	0
Recorded Investment With No Allowance	863
Total Recorded Investment	863
Related Allowance	0
Purchased with deteriorated credit quality | Real estate – 1-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	42,969
Recorded Investment With Allowance	10,061
Recorded Investment With No Allowance	25,482
Total Recorded Investment	35,543
Related Allowance	291
Purchased with deteriorated credit quality | Real estate – commercial mortgage:
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	119,929
Recorded Investment With Allowance	52,501
Recorded Investment With No Allowance	50,632
Total Recorded Investment	103,133
Related Allowance	1,386
Purchased with deteriorated credit quality | Installment loans to individuals
Financing Receivable, Allowance for Credit Loss [Line Items]
Unpaid Contractual Principal Balance	5,411
Recorded Investment With Allowance	640
Recorded Investment With No Allowance	2,547
Total Recorded Investment	3,187
Related Allowance	$ 2

Purchased Loans - Average Recor

Purchased Loans - Average Recorded Investment and Interest Income on Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	$ 9,636	$ 9,561
Interest Income Recognized	43	141
Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	191,110	197,449
Interest Income Recognized	2,456	8,154
Commercial, financial, agricultural | Purchased loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	2,533	2,312
Interest Income Recognized	2	6
Commercial, financial, agricultural | Purchased loans | Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	32,150	35,304
Interest Income Recognized	283	1,145
Real estate – construction: | Purchased loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	256	256
Interest Income Recognized	0	3
Real estate – construction: | Purchased loans | Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	558	560
Interest Income Recognized	8	8
Real estate – 1-4 family mortgage: | Purchased loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	5,364	5,468
Interest Income Recognized	30	96
Real estate – 1-4 family mortgage: | Purchased loans | Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	38,031	38,682
Interest Income Recognized	538	1,699
Real estate – commercial mortgage: | Purchased loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	1,150	1,185
Interest Income Recognized	11	36
Real estate – commercial mortgage: | Purchased loans | Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	117,179	119,327
Interest Income Recognized	1,541	5,015
Installment loans to individuals | Purchased loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	333	340
Interest Income Recognized	0	0
Installment loans to individuals | Purchased loans | Purchased with deteriorated credit quality
Financing Receivable, Allowance for Credit Loss [Line Items]
Average Recorded Investment	3,192	3,576
Interest Income Recognized	$ 86	$ 287

Purchased Loans - Loans Purchas

Purchased Loans - Loans Purchased with Deteriorated Credit Quality (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans	$ 10,916,640	$ 9,637,476
Purchased with deteriorated credit quality | Purchased loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans		172,264
Purchased with deteriorated credit quality | Purchased loans | Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans		29,538
Purchased with deteriorated credit quality | Purchased loans | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans		863
Purchased with deteriorated credit quality | Purchased loans | Real estate – 1-4 family mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans		35,543
Purchased with deteriorated credit quality | Purchased loans | Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans		103,133
Purchased with deteriorated credit quality | Purchased loans | Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding balance of restructured loans		$ 3,187

Allowance for Credit Losses - S

Allowance for Credit Losses - Summary of Total Non Purchased and Purchased Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 11,089,067		$ 9,693,463
Unearned income	(4,329)		(3,825)
Loans, net of unearned income	11,084,738		9,689,638
Allowance for credit losses	(168,098)	$ (145,387)	(52,162)	$ (50,814)	$ (50,059)	$ (49,026)
Loans, net	10,916,640		9,637,476
Cumulative Effect, Period Of Adoption, Adjusted Balance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses			(94,646)
Commercial, financial, agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,648,062		1,367,972
Loans, net of unearned income	2,648,062		1,367,972
Allowance for credit losses	(38,195)	(30,685)	(10,658)	(10,288)	(9,534)	(8,269)
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	87,257		85,700
Loans, net of unearned income	82,928
Allowance for credit losses	(1,832)	(1,812)	(910)
Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	773,119		826,483
Loans, net of unearned income	773,119		826,483
Allowance for credit losses	(13,819)	(12,538)	(5,029)	(5,127)	(5,302)	(4,755)
Real estate – construction: | Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	264,525		289,050
Real estate – construction: | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	508,594		537,433
Real estate – 1-4 family mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,760,394		2,866,613
Loans, net of unearned income	2,760,394		2,866,613
Allowance for credit losses	(32,705)	(29,401)	(9,814)	(9,849)	(9,616)	(10,139)
Real estate – 1-4 family mortgage: | Primary
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,762,897		1,781,948
Real estate – 1-4 family mortgage: | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	537,615		573,540
Real estate – 1-4 family mortgage: | Rental/investment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	306,378		335,100
Real estate – 1-4 family mortgage: | Land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	153,504		176,025
Real estate – commercial mortgage:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	4,577,009		4,244,265
Loans, net of unearned income	4,577,009		4,244,265
Allowance for credit losses	(70,582)	(60,061)	(24,990)	(24,039)	(24,302)	(24,492)
Real estate – commercial mortgage: | Land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	150,366		156,089
Real estate – commercial mortgage: | Owner-occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,672,402		1,637,281
Real estate – commercial mortgage: | Non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,754,241		2,450,895
Installment loans to individuals
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	243,226		302,430
Loans, net of unearned income	243,226		384,305
Allowance for credit losses	$ (10,965)	$ (10,890)	$ (761)	$ (1,511)	$ (1,305)	$ (1,371)

Allowance for Credit Losses - A

Allowance for Credit Losses - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Jan. 01, 2020	Dec. 31, 2019	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses attributable to restructured loans	$ 168,098	$ 50,814	$ 168,098	$ 50,814	$ 145,387		$ 52,162	$ 50,059	$ 49,026
Provision for credit losses on loans	23,100	1,700	76,350	4,100
Cumulative Effect, Period Of Adoption, Adjustment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses attributable to restructured loans						$ 42,484	42,484
Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses attributable to restructured loans	13,819	5,127	13,819	5,127	12,538		5,029	$ 5,302	$ 4,755
Provision for credit losses on loans	1,386	$ (175)	5,922	$ 365
Real estate – construction: | Cumulative Effect, Period Of Adoption, Adjustment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses attributable to restructured loans							3,505
Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses attributable to restructured loans	1,832		1,832		$ 1,812		910
Provision for credit losses on loans	$ 187		$ 558
Lease financing | Cumulative Effect, Period Of Adoption, Adjustment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses attributable to restructured loans							$ 521
Minimum | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity term			2 years
Minimum | Residential | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity term			9 months
Minimum | Commercial | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity term			24 months
Maximum | Lease financing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity term			5 years
Maximum | Residential | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity term			12 months
Maximum | Commercial | Real estate – construction:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity term			36 months

Allowance for Credit Losses - R

Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Allowance for loan losses:
Beginning balance	$ 145,387	$ 50,059	$ 52,162	$ 49,026	$ 49,026
Accounting standards update [Extensible List]			us-gaap:AccountingStandardsUpdate201613Member		us-gaap:AccountingStandardsUpdate201613Member
Charge-offs	(3,576)	(4,965)	$ (12,491)	(7,953)
Recoveries	3,187	4,020	9,593	5,641
Net (charge-offs) recoveries	(389)	(945)	(2,898)	(2,312)
Provision for credit losses on loans	23,100	1,700	76,350	4,100
Ending balance	168,098	50,814	168,098	50,814	$ 52,162
Individually evaluated	11,136	2,045	11,136	2,045
Collectively evaluated	156,962	46,221	156,962	46,221
Loans:
Individually evaluated	29,602		29,602		51,179
Collectively evaluated	11,055,136		11,055,136		9,466,195
Gross loans	11,084,738		11,084,738		9,689,638
Nonaccruing loans with no allowance for credit losses	8,380		8,380
Purchased with deteriorated credit quality
Allowance for loan losses:
Ending balance		2,548		2,548
Loans:
Gross loans					172,264
Commercial, financial, agricultural
Allowance for loan losses:
Beginning balance	30,685	9,534	10,658	8,269	8,269
Charge-offs	(420)	(757)	(1,969)	(1,709)
Recoveries	698	761	996	1,376
Net (charge-offs) recoveries	278	4	(973)	(333)
Provision for credit losses on loans	7,232	750	17,159	2,352
Ending balance	38,195	10,288	38,195	10,288	10,658
Individually evaluated	10,211	1,382	10,211	1,382
Collectively evaluated	27,984	8,778	27,984	8,778
Loans:
Individually evaluated	17,670		17,670		8,460
Collectively evaluated	2,630,392		2,630,392		1,329,974
Gross loans	2,648,062		2,648,062		1,367,972
Nonaccruing loans with no allowance for credit losses	589		589
Commercial, financial, agricultural | Purchased with deteriorated credit quality
Allowance for loan losses:
Ending balance		128		128
Loans:
Gross loans					29,538
Real estate – construction:
Allowance for loan losses:
Beginning balance	12,538	5,302	5,029	4,755	4,755
Charge-offs	(136)	0	(668)	0
Recoveries	31	0	31	7
Net (charge-offs) recoveries	(105)	0	(637)	7
Provision for credit losses on loans	1,386	(175)	5,922	365
Ending balance	13,819	5,127	13,819	5,127	5,029
Individually evaluated	0	24	0	24
Collectively evaluated	13,819	5,103	13,819	5,103
Loans:
Individually evaluated	0		0		12,416
Collectively evaluated	773,119		773,119		813,204
Gross loans	773,119		773,119		826,483
Nonaccruing loans with no allowance for credit losses	0		0
Real estate – construction: | Purchased with deteriorated credit quality
Allowance for loan losses:
Ending balance		0		0
Loans:
Gross loans					863
Real estate – 1-4 family mortgage
Allowance for loan losses:
Beginning balance	29,401	9,616	9,814	10,139	10,139
Charge-offs	(720)	(268)	(1,083)	(1,143)
Recoveries	152	219	288	531
Net (charge-offs) recoveries	(568)	(49)	(795)	(612)
Provision for credit losses on loans	3,872	282	9,372	322
Ending balance	32,705	9,849	32,705	9,849	9,814
Individually evaluated	275	186	275	186
Collectively evaluated	32,430	9,313	32,430	9,313
Loans:
Individually evaluated	4,718		4,718		20,262
Collectively evaluated	2,755,676		2,755,676		2,810,808
Gross loans	2,760,394		2,760,394		2,866,613
Nonaccruing loans with no allowance for credit losses	4,147		4,147
Real estate – 1-4 family mortgage | Purchased with deteriorated credit quality
Allowance for loan losses:
Ending balance		350		350
Loans:
Gross loans					35,543
Real estate – commercial mortgage:
Allowance for loan losses:
Beginning balance	60,061	24,302	24,990	24,492	24,492
Charge-offs	(553)	(677)	(2,600)	(1,406)
Recoveries	711	33	2,451	644
Net (charge-offs) recoveries	158	(644)	(149)	(762)
Provision for credit losses on loans	10,363	381	41,448	309
Ending balance	70,582	24,039	70,582	24,039	24,990
Individually evaluated	380	450	380	450
Collectively evaluated	70,202	21,521	70,202	21,521
Loans:
Individually evaluated	6,596		6,596		9,550
Collectively evaluated	4,570,413		4,570,413		4,131,582
Gross loans	4,577,009		4,577,009		4,244,265
Nonaccruing loans with no allowance for credit losses	3,644		3,644
Real estate – commercial mortgage: | Purchased with deteriorated credit quality
Allowance for loan losses:
Ending balance		2,068		2,068
Loans:
Gross loans					103,133
Lease financing
Allowance for loan losses:
Beginning balance	1,812		910
Charge-offs	(168)		(168)
Recoveries	1		11
Net (charge-offs) recoveries	(167)		(157)
Provision for credit losses on loans	187		558
Ending balance	1,832		1,832		910
Individually evaluated	0		0
Collectively evaluated	1,832		1,832
Loans:
Individually evaluated	0		0
Collectively evaluated	82,928		82,928
Gross loans	82,928		82,928
Nonaccruing loans with no allowance for credit losses	0		0
Installment and Other
Allowance for loan losses:
Beginning balance	10,890	1,305	761	1,371	1,371
Charge-offs	(1,579)	(3,263)	(6,003)	(3,695)
Recoveries	1,594	3,007	5,816	3,083
Net (charge-offs) recoveries	15	(256)	(187)	(612)
Provision for credit losses on loans	60	462	1,891	752
Ending balance	10,965	1,511	10,965	1,511	761
Individually evaluated	270	3	270	3
Collectively evaluated	10,695	1,506	10,695	1,506
Loans:
Individually evaluated	618		618		491
Collectively evaluated	242,608		242,608		380,627
Gross loans	243,226		243,226		384,305
Nonaccruing loans with no allowance for credit losses	$ 0		0
Installment and Other | Purchased with deteriorated credit quality
Allowance for loan losses:
Ending balance		$ 2		$ 2
Loans:
Gross loans					3,187
Cumulative Effect, Period Of Adoption, Adjustment
Allowance for loan losses:
Beginning balance			42,484
Ending balance					42,484
Cumulative Effect, Period Of Adoption, Adjustment | Commercial, financial, agricultural
Allowance for loan losses:
Beginning balance			11,351
Ending balance					11,351
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – construction:
Allowance for loan losses:
Beginning balance			3,505
Ending balance					3,505
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – 1-4 family mortgage
Allowance for loan losses:
Beginning balance			14,314
Ending balance					14,314
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – commercial mortgage:
Allowance for loan losses:
Beginning balance			4,293
Ending balance					4,293
Cumulative Effect, Period Of Adoption, Adjustment | Lease financing
Allowance for loan losses:
Beginning balance			521
Ending balance					521
Cumulative Effect, Period Of Adoption, Adjustment | Installment and Other
Allowance for loan losses:
Beginning balance			$ 8,500
Ending balance					$ 8,500

Allowance for Credit Losses - I

Allowance for Credit Losses - Investment in Loans, Net of Unearned Income on Impairment Methodology (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Investment in loans, net of unearned income on impairment methodology
Individually evaluated for impairment	$ 29,602	$ 51,179
Collectively evaluated for impairment	11,055,136	9,466,195
Loans, net of unearned income	11,084,738	9,689,638
Purchased with deteriorated credit quality
Investment in loans, net of unearned income on impairment methodology
Loans, net of unearned income		172,264
Commercial
Investment in loans, net of unearned income on impairment methodology
Individually evaluated for impairment	17,670	8,460
Collectively evaluated for impairment	2,630,392	1,329,974
Loans, net of unearned income	2,648,062	1,367,972
Commercial | Purchased with deteriorated credit quality
Investment in loans, net of unearned income on impairment methodology
Loans, net of unearned income		29,538
Real estate – construction:
Investment in loans, net of unearned income on impairment methodology
Individually evaluated for impairment	0	12,416
Collectively evaluated for impairment	773,119	813,204
Loans, net of unearned income	773,119	826,483
Real estate – construction: | Purchased with deteriorated credit quality
Investment in loans, net of unearned income on impairment methodology
Loans, net of unearned income		863
Real estate – 1-4 family mortgage
Investment in loans, net of unearned income on impairment methodology
Individually evaluated for impairment	4,718	20,262
Collectively evaluated for impairment	2,755,676	2,810,808
Loans, net of unearned income	2,760,394	2,866,613
Real estate – 1-4 family mortgage | Purchased with deteriorated credit quality
Investment in loans, net of unearned income on impairment methodology
Loans, net of unearned income		35,543
Real estate – commercial mortgage:
Investment in loans, net of unearned income on impairment methodology
Individually evaluated for impairment	6,596	9,550
Collectively evaluated for impairment	4,570,413	4,131,582
Loans, net of unearned income	4,577,009	4,244,265
Real estate – commercial mortgage: | Purchased with deteriorated credit quality
Investment in loans, net of unearned income on impairment methodology
Loans, net of unearned income		103,133
Installment and Other
Investment in loans, net of unearned income on impairment methodology
Individually evaluated for impairment	618	491
Collectively evaluated for impairment	242,608	380,627
Loans, net of unearned income	$ 243,226	384,305
Installment and Other | Purchased with deteriorated credit quality
Investment in loans, net of unearned income on impairment methodology
Loans, net of unearned income		$ 3,187

Allowance for Credit Losses - U

Allowance for Credit Losses - Unfunded Loan Commitments (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2020	Dec. 31, 2019
Allowance for loan losses:
Beginning balance	$ 17,335	$ 946
Accounting standards update [Extensible List]		us-gaap:AccountingStandardsUpdate201613Member	us-gaap:AccountingStandardsUpdate201613Member
Provision for credit losses on unfunded loan commitments (included in other noninterest expense)	2,700	$ 8,700
Ending balance	$ 20,035	20,035	$ 946
Cumulative Effect, Period Of Adoption, Adjustment
Allowance for loan losses:
Beginning balance		$ 10,389
Ending balance			$ 10,389

Other Real Estate Owned - Cover

Other Real Estate Owned - Covered and Not Covered Under a Loss-Share Agreement, Net of Valuation Allowances and Direct Write-Downs (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Other real estate owned ("OREO") covered and not covered under a loss-share agreement, net of valuation allowances and direct write-downs
Purchased OREO	$ 4,577	$ 5,248
Non Purchased OREO	3,576	2,762
Total OREO	8,153	8,010
Residential real estate
Other real estate owned ("OREO") covered and not covered under a loss-share agreement, net of valuation allowances and direct write-downs
Purchased OREO	754	890
Non Purchased OREO	1,116	415
Total OREO	1,870	1,305
Commercial real estate
Other real estate owned ("OREO") covered and not covered under a loss-share agreement, net of valuation allowances and direct write-downs
Purchased OREO	1,605	2,106
Non Purchased OREO	798	1,548
Total OREO	2,403	3,654
Residential land development
Other real estate owned ("OREO") covered and not covered under a loss-share agreement, net of valuation allowances and direct write-downs
Purchased OREO	345	530
Non Purchased OREO	1,324	369
Total OREO	1,669	899
Commercial land development
Other real estate owned ("OREO") covered and not covered under a loss-share agreement, net of valuation allowances and direct write-downs
Purchased OREO	1,873	1,722
Non Purchased OREO	338	430
Total OREO	$ 2,211	$ 2,152

Other Real Estate Owned - Chang

Other Real Estate Owned - Changes in Purchased and Non-Purchased OREO (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)
Purchased OREO
Balance at January 1, 2020	$ 5,248
Transfers of loans	3,486
Impairments	(1,232)
Dispositions	(2,875)
Other	(50)
Balance at September 30, 2020	4,577
Non Purchased OREO
Balance at January 1, 2020	2,762
Transfers of loans	4,401
Impairments	(415)
Dispositions	(3,172)
Other	0
Balance at September 30, 2020	3,576
Total OREO
Balance at January 1, 2020	8,010
Transfers of loans	7,887
Impairments	(1,647)
Dispositions	(6,047)
Other	(50)
Balance at September 30, 2020	$ 8,153

Other Real Estate Owned - Compo

Other Real Estate Owned - Components of OREO in the Consolidated Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Components of other real estate owned in the Consolidated Statements of Income
Repairs and maintenance	$ 64	$ 94	$ 234	$ 306
Property taxes and insurance	35	43	186	169
Impairments	820	253	1,647	1,121
Net losses on OREO sales	117	31	27	91
Rental income	(3)	(3)	(23)	(13)
Total	$ 1,033	$ 418	$ 2,071	$ 1,674

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Carrying Amounts of Goodwill by Operating Segments (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)
Goodwill [Roll Forward]
Balance at January 1, 2020	$ 939,683
Addition to goodwill from acquisition	0
Balance at September 30, 2020	939,683
Community Banks
Goodwill [Roll Forward]
Balance at January 1, 2020	936,916
Addition to goodwill from acquisition	0
Balance at September 30, 2020	936,916
Insurance
Goodwill [Roll Forward]
Balance at January 1, 2020	2,767
Addition to goodwill from acquisition	0
Balance at September 30, 2020	$ 2,767

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Summary of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	$ 84,962	$ 84,962
Accumulated Amortization	(53,164)	(47,702)
Net Carrying Amount	31,798	37,260
Core deposit intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	82,492	82,492
Accumulated Amortization	(51,925)	(46,599)
Net Carrying Amount	30,567	35,893
Customer relationship intangible
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	2,470	2,470
Accumulated Amortization	(1,239)	(1,103)
Net Carrying Amount	$ 1,231	$ 1,367

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Current Year Amortization Expense for Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Finite-Lived Intangible Assets [Line Items]
Total intangible amortization	$ 1,733	$ 1,996	$ 5,462	$ 6,159
Core deposit intangibles
Finite-Lived Intangible Assets [Line Items]
Total intangible amortization	1,688	1,963	5,326	6,060
Customer relationship intangible
Finite-Lived Intangible Assets [Line Items]
Total intangible amortization	$ 45	$ 33	$ 136	$ 99

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets - Estimated Amortization Expense of Finite-Lived Intangible Assets (Details) $ in Thousands	Sep. 30, 2020USD ($)
Finite-Lived Intangible Assets [Line Items]
2020	$ 7,120
2021	6,041
2022	5,121
2023	4,225
2024	3,679
Core Deposit Intangibles
Finite-Lived Intangible Assets [Line Items]
2020	6,939
2021	5,860
2022	4,940
2023	4,044
2024	3,498
Customer relationship intangible
Finite-Lived Intangible Assets [Line Items]
2020	181
2021	181
2022	181
2023	181
2024	$ 181

Mortgage Servicing Rights - Nar

Mortgage Servicing Rights - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Impairment losses on mortgage servicing rights			$ 13,694	$ 3,132	$ 1,836
Bank Servicing
Disaggregation of Revenue [Line Items]
Revenue	$ 3,400	$ 2,346	$ 9,012	$ 7,081

Mortgage Servicing Rights - Cha

Mortgage Servicing Rights - Changes in the Company's MSRs (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Changes in mortgage servicing rights
Balance at January 1, 2020	$ 53,208
Capitalization	30,589
Amortization	(12,503)
Valuation adjustment	(13,694)	$ (3,132)	$ (1,836)
Balance at September 30, 2020	$ 57,600		$ 53,208

Mortgage Servicing Rights - Dat

Mortgage Servicing Rights - Data and Key Economic Assumptions Related to the Company's MRSs (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Data and key economic assumptions related to mortgage servicing rights
Unpaid principal balance	$ 6,680,256	$ 4,871,155
Weighted-average prepayment speed (CPR)	15.09%	11.48%
Estimated impact of a 10% increase	$ (3,606)	$ (2,469)
Estimated impact of a 20% increase	$ (6,921)	$ (4,774)
Discount rate	9.88%	9.69%
Estimated impact of a 10% increase	$ (1,957)	$ (2,027)
Estimated impact of a 20% increase	$ (3,784)	$ (3,908)
Weighted-average coupon interest rate	3.71%	4.04%
Weighted-average servicing fee (basis points)	29.94%	29.20%
Weighted-average remaining maturity (in years)	5 years 1 month 28 days	6 years 4 months 6 days

Employee Benefit and Deferred_3

Employee Benefit and Deferred Compensation Plans - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Retirement Benefits [Abstract]
Stock options granted (in shares)			0	0
Treasury shares reissued (in shares)			150,387
Total stock-based compensation expense	$ 2,405	$ 3,002	$ 8,153	$ 7,721

Employee Benefit and Deferred_4

Employee Benefit and Deferred Compensation Plans - Plan Expense for Non-Contributory Benefit Pension Plan and Post-Retirement Health and Life Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Pension Benefits
Plan expense for noncontributory benefit pension plan and post-retirement health and life plans
Service cost	$ 0	$ 0	$ 0	$ 0
Interest cost	246	294	738	882
Expected return on plan assets	(412)	(362)	(1,238)	(1,087)
Recognized actuarial loss (gain)	87	110	262	331
Net periodic (return) benefit cost	(79)	42	(238)	126
Other Benefits
Plan expense for noncontributory benefit pension plan and post-retirement health and life plans
Service cost	2	2	5	5
Interest cost	3	7	10	23
Expected return on plan assets	0	0	0	0
Recognized actuarial loss (gain)	(23)	(6)	(68)	(17)
Net periodic (return) benefit cost	$ (18)	$ 3	$ (53)	$ 11

Employee Benefit and Deferred_5

Employee Benefit and Deferred Compensation Plans - Summary of the Changes in Stock Options (Details) - $ / shares	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Shares
Options outstanding at beginning of period (shares)	29,250
Granted (shares)	0	0
Exercised (shares)	0
Forfeited (shares)	0
Options outstanding at end of period (shares)	29,250
Weighted Average Exercise Price
Options outstanding at beginning of period (usd per share)	$ 15.86
Granted (usd per share)	0
Exercised (usd per share)	0
Forfeited (usd per share)	0
Options outstanding at end of period (usd per share)	$ 15.86

Employee Benefit and Deferred_6

Employee Benefit and Deferred Compensation Plans - Summary of the Changes in Restricted Stock (Details)	9 Months Ended
	Sep. 30, 2020$ / sharesshares
Performance shares
Performance-Based Restricted Stock
Nonvested at beginning of period (shares) | shares	115,725
Awarded (shares) | shares	81,423
Vested (shares) | shares	0
Cancelled (shares) | shares	(15,076)
Nonvested at end of period (shares) | shares	182,072
Weighted Average Grant-Date Fair Value
Nonvested at beginning balance (usd per share) | $ / shares	$ 34
Awarded (usd per share) | $ / shares	35.42
Vested (usd per share) | $ / shares	0
Cancelled (usd per share) | $ / shares	33.29
Nonvested at end balance (usd per share) | $ / shares	$ 34.70
Restricted stock
Performance-Based Restricted Stock
Nonvested at beginning of period (shares) | shares	500,932
Awarded (shares) | shares	270,579
Vested (shares) | shares	(140,853)
Cancelled (shares) | shares	(47,488)
Nonvested at end of period (shares) | shares	583,170
Weighted Average Grant-Date Fair Value
Nonvested at beginning balance (usd per share) | $ / shares	$ 36.34
Awarded (usd per share) | $ / shares	32.90
Vested (usd per share) | $ / shares	38.67
Cancelled (usd per share) | $ / shares	35.73
Nonvested at end balance (usd per share) | $ / shares	$ 34.23

Derivative Instruments - Narrat

Derivative Instruments - Narrative (Details) $ in Thousands	1 Months Ended
	Aug. 31, 2020USD ($)	Jul. 31, 2020USD ($)derivative_instrument	May 31, 2020USD ($)	Mar. 31, 2020USD ($)	Jun. 30, 2014USD ($)derivative_instrument	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Apr. 30, 2018USD ($)	Apr. 30, 2012USD ($)derivative_instrument
Interest rate contracts with corporate customers
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount						$ 272,136
Offsetting interest rate contracts with other financial institutions
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount						272,136
Interest rate swaps
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount	$ 25,000		$ 25,000	$ 100,000
Number of instruments held | derivative_instrument		2			2
Term of contract	7 years		3 years	10 years
Floating rate liability at the bank level, derivative one
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount		$ 25,000			$ 15,000
Term of contract		7 years			4 years
Floating rate liability at the bank level, derivative two
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount		$ 25,000			$ 15,000
Term of contract		5 years			5 years
Cash flow hedging
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount								$ 30,000	$ 32,000
Number of instruments held | derivative_instrument									2
Commitments to fund fixed-rate residential mortgage loans
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount						755,721	$ 215,751
Commitments to sell residential mortgage loans
Derivative Instruments (Textual) [Abstract]
Derivative, notional amount						$ 760,000	$ 414,000

Derivative Instruments - Deriva

Derivative Instruments - Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Designated as hedging instruments:
Derivative financial instruments
Derivative assets:	$ 468	$ 0
Derivative liabilities:	9,004	5,021
Not designated as hedging instruments:
Derivative financial instruments
Derivative assets:	39,810	8,498
Derivative liabilities:	14,077	4,979
Other Assets | Designated as hedging instruments: | Interest rate swaps
Derivative financial instruments
Derivative assets:	468	0
Other Assets | Not designated as hedging instruments: | Interest rate contracts
Derivative financial instruments
Derivative assets:	11,566	3,880
Other Assets | Not designated as hedging instruments: | Interest rate lock commitments
Derivative financial instruments
Derivative assets:	28,185	4,579
Other Assets | Not designated as hedging instruments: | Forward commitments
Derivative financial instruments
Derivative assets:	59	39
Other Liabilities | Designated as hedging instruments: | Interest rate swaps
Derivative financial instruments
Derivative liabilities:	9,004	5,021
Other Liabilities | Not designated as hedging instruments: | Interest rate contracts
Derivative financial instruments
Derivative liabilities:	11,566	3,880
Other Liabilities | Not designated as hedging instruments: | Interest rate lock commitments
Derivative financial instruments
Derivative liabilities:	0	3
Other Liabilities | Not designated as hedging instruments: | Forward commitments
Derivative financial instruments
Derivative liabilities:	$ 2,511	$ 1,096

Derivative Instruments - Gains

Derivative Instruments - Gains (Losses) On Derivative Financial Instruments (Details) - Not designated as hedging instruments: - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	$ 2,070	$ 4,032	$ 23,925	$ 8,945
Interest rate contracts | Included in interest income on loans
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	451	950	1,710	2,985
Interest rate lock commitments | Included in mortgage banking income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(1,135)	(444)	23,610	2,954
Forward commitments | Included in mortgage banking income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	$ 2,754	$ 3,526	$ (1,395)	$ 3,006

Derivative Instruments - Gross

Derivative Instruments - Gross and Net Derivative Positions, Including Pledged Collateral (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Offsetting Derivative Assets
Gross amounts recognized	$ 527	$ 61
Gross amounts offset in the Consolidated Balance Sheets	0	0
Net amounts presented in the Consolidated Balance Sheets	527	61
Financial instruments	527	61
Financial collateral pledged	0	0
Net amounts	0	0
Offsetting Derivative Liabilities
Gross amounts recognized	23,198	9,974
Gross amounts offset in the Consolidated Balance Sheets	0	0
Net amounts presented in the Consolidated Balance Sheets	23,198	9,974
Financial instruments	527	61
Financial collateral pledged	18,400	8,698
Net amounts	$ 4,271	$ 1,215

Income Taxes - Significant Comp

Income Taxes - Significant Components of The Company's Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Deferred tax assets
Allowance for credit losses	$ 45,891	$ 14,304
Loans	11,579	10,284
Deferred compensation	11,605	12,050
Impairment of assets	1,631	1,108
Net operating loss carryforwards	2,607	9,387
Lease liabilities under operating leases	22,271	22,686
Other	208	934
Total deferred tax assets	95,792	70,753
Deferred tax liabilities
Net unrealized gains on securities	6,057	190
Investment in partnerships	982	967
Fixed assets	7,688	2,952
Mortgage servicing rights	14,121	13,472
Junior subordinated debt	2,237	2,304
Lease right-of-use asset	21,203	21,727
Other	1,457	1,859
Total deferred tax liabilities	53,745	43,471
Net deferred tax assets	$ 42,047	$ 27,282

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 01, 2018	Dec. 31, 2015
Operating Loss Carryforwards [Line Items]
Income taxes	$ 7,612	$ 11,132	$ 13,022	$ 38,667
Effective income tax rate			20.28%	23.04%
Domestic tax authority | Brand
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	2,248		$ 2,248		$ 81,288
Domestic tax authority | Heritage financial group
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	3,269		3,269			$ 18,321
State and local jurisdiction | Brand
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	28,495		28,495		$ 55,067
State and local jurisdiction | Heritage financial group
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 2,446		$ 2,446			$ 16,849

Fair Value Measurements - Asset

Fair Value Measurements - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial assets:
Securities available for sale, at fair value	$ 1,293,388	$ 1,290,613
Trust preferred securities
Financial assets:
Securities available for sale, at fair value	8,492	9,986
Recurring
Financial assets:
Securities available for sale, at fair value	1,293,388	1,290,613
Derivative assets:	40,278	8,498
Mortgage loans held for sale in loans held for sale	399,773	318,272
Total financial assets	1,733,439	1,617,383
Financial liabilities:
Derivative instruments	23,081	10,000
Recurring | Trust preferred securities
Financial assets:
Securities available for sale, at fair value	8,492	9,986
Recurring | Other available for sale securities
Financial assets:
Securities available for sale, at fair value	1,284,896	1,280,627
Recurring | Level 1
Financial assets:
Securities available for sale, at fair value	0	0
Derivative assets:	0	0
Mortgage loans held for sale in loans held for sale	0	0
Total financial assets	0	0
Financial liabilities:
Derivative instruments	0	0
Recurring | Level 1 | Trust preferred securities
Financial assets:
Securities available for sale, at fair value	0	0
Recurring | Level 1 | Other available for sale securities
Financial assets:
Securities available for sale, at fair value	0	0
Recurring | Level 2
Financial assets:
Securities available for sale, at fair value	1,284,896	1,280,627
Derivative assets:	40,278	8,498
Mortgage loans held for sale in loans held for sale	399,773	318,272
Total financial assets	1,724,947	1,607,397
Financial liabilities:
Derivative instruments	23,081	10,000
Recurring | Level 2 | Trust preferred securities
Financial assets:
Securities available for sale, at fair value	0	0
Recurring | Level 2 | Other available for sale securities
Financial assets:
Securities available for sale, at fair value	1,284,896	1,280,627
Recurring | Level 3
Financial assets:
Securities available for sale, at fair value	8,492	9,986
Derivative assets:	0	0
Mortgage loans held for sale in loans held for sale	0	0
Total financial assets	8,492	9,986
Financial liabilities:
Derivative instruments	0	0
Recurring | Level 3 | Trust preferred securities
Financial assets:
Securities available for sale, at fair value	8,492	9,986
Recurring | Level 3 | Other available for sale securities
Financial assets:
Securities available for sale, at fair value	$ 0	$ 0

Fair Value Measurements - Recon

Fair Value Measurements - Reconciliation for Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Reconciliation for assets and liabilities measured at fair value on a recurring basis
Ending balance	$ 8,492	$ 9,862	$ 8,492	$ 9,862
Trust preferred securities
Reconciliation for assets and liabilities measured at fair value on a recurring basis
Beginning balance	7,679	10,386	9,986	10,633
Accretion included in net income	8	9	26	26
Unrealized gains (losses) included in other comprehensive income	840	(439)	(1,382)	(572)
Settlements	$ (35)	$ (94)	$ (138)	$ (225)

Fair Value Measurements - Signi

Fair Value Measurements - Significant Unobservable Inputs (Level 3) Used in Valuation of Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) - Trust preferred securities $ in Thousands	Sep. 30, 2020USD ($)
Significant unobservable inputs (Level 3) used in the valuation of assets and liabilities measured at fair value on a recurring basis
Fair Value	$ 8,492
Measurement input, price volatility | Minimum
Significant unobservable inputs (Level 3) used in the valuation of assets and liabilities measured at fair value on a recurring basis
Range of Inputs	0
Measurement input, price volatility | Maximum
Significant unobservable inputs (Level 3) used in the valuation of assets and liabilities measured at fair value on a recurring basis
Range of Inputs	1

Fair Value Measurements - Ass_2

Fair Value Measurements - Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Fair Value, measurements, nonrecurring - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Impaired loans measured at fair value on a nonrecurring basis
Impaired loans	$ 11,050	$ 27,348
OREO	1,788	2,820
Mortgage servicing rights	57,600	53,208
Total financial assets	70,438	83,376
Level 1
Impaired loans measured at fair value on a nonrecurring basis
Impaired loans	0	0
OREO	0	0
Mortgage servicing rights	0	0
Total financial assets	0	0
Level 2
Impaired loans measured at fair value on a nonrecurring basis
Impaired loans	0	0
OREO	0	0
Mortgage servicing rights	0	0
Total financial assets	0	0
Level 3
Impaired loans measured at fair value on a nonrecurring basis
Impaired loans	11,050	27,348
OREO	1,788	2,820
Mortgage servicing rights	57,600	53,208
Total financial assets	$ 70,438	$ 83,376

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans not covered under loss-share agreements	$ 19,775		$ 29,606
Specific reserve included in allowance for loan losses	168,098	$ 50,814	52,162	$ 145,387	$ 50,059	$ 49,026
Impairment losses on mortgage servicing rights	13,694	3,132	1,836
Changes in fair value, gain	10,876	$ 3,895
Impaired Loans, not covered
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Specific reserve included in allowance for loan losses	$ 8,725		$ 2,258

Fair Value Measurements - OREO

Fair Value Measurements - OREO Measured at Fair Value on a Nonrecurring Basis (Details) - Level 3 - Fair Value, measurements, nonrecurring - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
OREO measured at fair value on a nonrecurring basis
Carrying amount prior to remeasurement	$ 2,750	$ 3,726
Impairment recognized in results of operations	(962)	(906)
Fair value	$ 1,788	$ 2,820

Fair Value Measurements - Sig_2

Fair Value Measurements - Significant Unobservable Inputs (Level 3) Used in Valuation of Assets and Liabilities Measured at Fair Value on Non-Recurring Basis (Details) - Level 3 $ in Thousands	Sep. 30, 2020USD ($)
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
Fair Value	$ 11,050
OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
Fair Value	$ 1,788
Measurement input, price volatility | Minimum | Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
Debt instrument, measurement input range	0.04
Measurement input, price volatility | Minimum | OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
OREO, measurement input range	0.04
Measurement input, price volatility | Maximum | Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
Debt instrument, measurement input range	0.10
Measurement input, price volatility | Maximum | OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
OREO, measurement input range	0.10

Fair Value Measurements - Summa

Fair Value Measurements - Summarizes Differences Between Fair Value and Principal Balance for Mortgage Loans Held for Sale Measure at Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Aggregate Fair Value
Summarizes differences between fair value and principal balance for mortgage loans held for sale measure at fair value
Mortgage loans held for sale measured at fair value	$ 399,773	$ 318,272
Aggregate Unpaid Principal Balance
Summarizes differences between fair value and principal balance for mortgage loans held for sale measure at fair value
Mortgage loans held for sale measured at fair value	378,785	308,160
Difference
Summarizes differences between fair value and principal balance for mortgage loans held for sale measure at fair value
Mortgage loans held for sale measured at fair value	$ 20,988	$ 10,112

Fair Value Measurements - Ass_3

Fair Value Measurements - Assets and Liabilities Not Measured and Reported at Fair Value on a Recurring Basis or Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial assets
Securities available for sale	$ 1,293,388	$ 1,290,613
Loans held for sale	399,773	318,272
Loans, net	10,916,640	9,637,476
Mortgage servicing rights	57,600	53,208
Carrying Value
Financial assets
Cash and cash equivalents	414,105	414,930
Securities available for sale	1,293,388	1,290,613
Loans held for sale	399,773	318,272
Loans, net	10,916,640	9,637,476
Mortgage servicing rights	57,600	53,208
Derivative instruments	40,278	8,498
Financial liabilities
Deposits	11,934,140	10,213,168
Short-term borrowings	42,624	489,091
Federal Home Loan Bank advances	152,210	152,337
Junior subordinated debentures	110,649	110,215
Subordinated notes	212,223	113,955
Derivative instruments	23,081	10,000
Fair Value
Financial assets
Cash and cash equivalents	414,105	414,930
Securities available for sale	1,293,388	1,290,613
Loans held for sale	399,773	318,272
Loans, net	10,847,520	9,321,039
Mortgage servicing rights	57,600	53,208
Derivative instruments	40,278	8,498
Financial liabilities
Deposits	11,952,713	10,210,967
Short-term borrowings	42,624	489,091
Federal Home Loan Bank advances	158,952	152,321
Junior subordinated debentures	89,591	104,480
Subordinated notes	212,550	117,963
Derivative instruments	23,081	10,000
Fair Value | Level 1
Financial assets
Cash and cash equivalents	414,105	414,930
Securities available for sale	0	0
Loans held for sale	0	0
Loans, net	0	0
Mortgage servicing rights	0	0
Derivative instruments	0	0
Financial liabilities
Deposits	10,100,060	8,052,536
Short-term borrowings	42,624	489,091
Federal Home Loan Bank advances	0	0
Junior subordinated debentures	0	0
Subordinated notes	0	0
Derivative instruments	0	0
Fair Value | Level 2
Financial assets
Cash and cash equivalents	0	0
Securities available for sale	1,284,896	1,280,627
Loans held for sale	399,773	318,272
Loans, net	0	0
Mortgage servicing rights	0	0
Derivative instruments	40,278	8,498
Financial liabilities
Deposits	1,852,653	2,158,431
Short-term borrowings	0	0
Federal Home Loan Bank advances	158,952	152,321
Junior subordinated debentures	89,591	104,480
Subordinated notes	212,550	117,963
Derivative instruments	23,081	10,000
Fair Value | Level 3
Financial assets
Cash and cash equivalents	0	0
Securities available for sale	8,492	9,986
Loans held for sale	0	0
Loans, net	10,847,520	9,321,039
Mortgage servicing rights	57,600	53,208
Derivative instruments	0	0
Financial liabilities
Deposits	0	0
Short-term borrowings	0	0
Federal Home Loan Bank advances	0	0
Junior subordinated debentures	0	0
Subordinated notes	0	0
Derivative instruments	$ 0	$ 0

Other Comprehensive Income - Ch

Other Comprehensive Income - Changes in the Components of Other Comprehensive Income (Loss), Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total other comprehensive income (loss), pre-tax	$ 2,160			$ 1,587			$ 23,052	$ 26,276
Total other comprehensive income (loss), tax expense (benefit)	549			403			5,866	6,686
Other comprehensive income, net of tax	1,611	$ 1,838	$ 13,737	1,184	$ 7,960	$ 10,446	17,186	19,590
Securities available for sale:
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income (loss), before reclassifications, pre-tax	519			(84)			26,404	27,695
Other comprehensive income (loss) before reclassifications, tax expense (benefit)	131			(22)			6,719	7,047
Other comprehensive income (loss), before reclassifications, net of tax	388			(62)			19,685	20,648
Reclassification from AOCI, pre-tax				2,516			(31)	2,511
Reclassification from AOCI, tax expense (benefit)				640			(8)	639
Reclassification from AOCI, net of tax				1,876			(23)	1,872
Total other comprehensive income (loss), pre-tax	519			2,432			26,373	30,206
Total other comprehensive income (loss), tax expense (benefit)	131			618			6,711	7,686
Other comprehensive income, net of tax	388			1,814			19,662	22,520
Derivative instruments:
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income (loss), before reclassifications, pre-tax	1,576						(3,516)	(4,244)
Other comprehensive income (loss) before reclassifications, tax expense (benefit)	401						(895)	(1,080)
Other comprehensive income (loss), before reclassifications, net of tax	1,175						(2,621)	(3,164)
Total other comprehensive income (loss), pre-tax	1,576						(3,516)	(4,244)
Total other comprehensive income (loss), tax expense (benefit)	401						(895)	(1,080)
Other comprehensive income, net of tax	1,175						(2,621)	(3,164)
Amortization of net actuarial loss recognized in net periodic pension cost
Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from AOCI, pre-tax	65			104			195	314
Reclassification from AOCI, tax expense (benefit)	17			26			50	80
Reclassification from AOCI, net of tax	48			78			145	234
Total defined benefit pension and post-retirement benefit plans
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total other comprehensive income (loss), pre-tax	65			104			195	314
Total other comprehensive income (loss), tax expense (benefit)	17			26			50	80
Other comprehensive income, net of tax	$ 48			78			$ 145	$ 234
Derivative instruments:
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income (loss), before reclassifications, pre-tax				(949)
Other comprehensive income (loss) before reclassifications, tax expense (benefit)				(241)
Other comprehensive income (loss), before reclassifications, net of tax				(708)
Total other comprehensive income (loss), pre-tax				(949)
Total other comprehensive income (loss), tax expense (benefit)				(241)
Other comprehensive income, net of tax				$ (708)

Other Comprehensive Income - Ac

Other Comprehensive Income - Accumulated Balances for Each Component of Other Comprehensive Income (Loss), Net of Tax (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accumulated balances for component of other comprehensive income, net of tax
Unrealized gains on securities	$ 41,225	$ 21,563
Non-credit related portion of previously recorded other-than-temporary impairment on securities	(11,319)	(11,319)
Unrealized losses on derivative instruments	(5,468)	(2,847)
Unrecognized losses on defined benefit pension and post-retirement benefit plans obligations	(6,488)	(6,633)
Total accumulated other comprehensive income	$ 17,950	$ 764

Net Income Per Common Share - B

Net Income Per Common Share - Basic and Diluted Net Income Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019
Basic
Net income applicable to common stock	$ 29,992	$ 20,130	$ 2,008	$ 37,446	$ 46,625	$ 45,110	$ 52,130	$ 129,181
Average common shares outstanding (shares)	56,185,884			58,003,215			56,294,984	58,347,840
Net income per common share - basic (usd per share)	$ 0.53			$ 0.65			$ 0.93	$ 2.21
Diluted
Net income applicable to common stock	$ 29,992	$ 20,130	$ 2,008	$ 37,446	$ 46,625	$ 45,110	$ 52,130	$ 129,181
Average common shares outstanding (shares)	56,185,884			58,003,215			56,294,984	58,347,840
Effect of dilutive stock-based compensation (shares)	200,269			189,204			173,593	160,742
Average common shares outstanding - diluted (shares)	56,386,153			58,192,419			56,468,577	58,508,582
Net income per common share - diluted (usd per share)	$ 0.53			$ 0.64			$ 0.92	$ 2.21

Net Income Per Common Share - A

Net Income Per Common Share - Antidilutive Securities (Details) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Schedule of antidilutive securities excluded from computation of earnings per share
Exercise prices (for stock option awards) (usd per share)	$ 0	$ 0	$ 0	$ 0
Employee stock option
Schedule of antidilutive securities excluded from computation of earnings per share
Number of shares (in shares)	237,212	691	255,448	1,334

Regulatory Matters - Guidelines

Regulatory Matters - Guidelines Governing the Classification of Capital Tiers (Details)	Sep. 30, 2020
Banking and Thrift, Interest [Abstract]
Tier 1 Capital to Average Assets (Leverage), Well capitalized	0.05
Tier 1 Capital to Average Assets (Leverage), Adequately capitalized	0.04
Tier 1 Capital to Average Assets (Leverage), Undercapitalized	4.00%
Tier 1 Capital to Average Assets (Leverage), Significantly undercapitalized	3.00%
Common Equity Tier 1 to Risk-Weighted Assets, Well capitalized	6.50%
Common Equity Tier 1 to Risk-Weighted Assets, Adequately capitalized	4.50%
Common Equity Tier 1 to Risk-Weighted Assets, Undercapitalized	4.50%
Common Equity Tier 1 to Risk-Weighted Assets, Significantly undercapitalized	3.00%
Tier 1 Capital to Risk-Weighted Assets, Well capitalized	0.08
Tier 1 Capital to Risk-Weighted Assets, Adequately capitalized	0.06
Tier 1 Capital to Risk-Weighted Assets, Undercapitalized	6.00%
Tier 1 Capital to Risk-Weighted Assets, Significantly undercapitalized	4.00%
Total Capital to Risk-Weighted Assets, Well capitalized	0.10
Total Capital to Risk-Weighted Assets, Adequately capitalized	0.08
Total Capital to Risk-Weighted Assets, Undercapitalized	8.00%
Total Capital to Risk-Weighted Assets, Significantly undercapitalized	6.00%
Critically undercapitalized	2.00%

Regulatory Matters - Capital an

Regulatory Matters - Capital and Risk-Based Capital and Leverage Ratios (Details) $ in Thousands	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Renasant corporation
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital to average assets (leverage) - amount	$ 1,281,318	$ 1,262,588
Tier 1 capital to average assets (leverage) - ratio	0.0917	0.1037
Common equity tier 1 capital to risk-weighted assets - amount	$ 1,174,260	$ 1,156,828
Common equity tier 1 capital to risk-weighted assets - ratio	10.80%	11.12%
Tier 1 capital to risk-weighted assets - amount	$ 1,281,318	$ 1,262,588
Tier 1 capital to risk-weighted assets - ratio	0.1179	0.1214
Total capital to risk-weighted assets - amount	$ 1,618,837	$ 1,432,949
Total capital to risk-weighted assets - ratio	0.1489	0.1378
Renasant bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital to average assets (leverage) - amount	$ 1,344,938	$ 1,331,809
Tier 1 capital to average assets (leverage) - ratio	0.0964	0.1095
Common equity tier 1 capital to risk-weighted assets - amount	$ 1,344,938	$ 1,331,809
Common equity tier 1 capital to risk-weighted assets - ratio	12.38%	12.81%
Tier 1 capital to risk-weighted assets - amount	$ 1,344,938	$ 1,331,809
Tier 1 capital to risk-weighted assets - ratio	0.1238	0.1281
Total capital to risk-weighted assets - amount	$ 1,470,402	$ 1,388,553
Total capital to risk-weighted assets - ratio	0.1353	0.1336

Segment Reporting - Financial I

Segment Reporting - Financial Information for Operating Segments (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Financial information for the Company's operating segments
Net interest income (loss)	$ 106,286			$ 108,825			$ 318,670	$ 334,772
Provision for credit losses on loans	23,100			1,700			76,350	4,100
Noninterest income	70,928			37,953			172,668	115,798
Noninterest expense	116,510			96,500			349,836	278,622
Income (loss) before income taxes	37,604			48,578			65,152	167,848
Income tax expense (benefit)	7,612			11,132			13,022	38,667
Net income (loss)	29,992	$ 20,130	$ 2,008	37,446	$ 46,625	$ 45,110	52,130	129,181
Total assets	14,808,933			13,039,674			14,808,933	13,039,674	$ 13,400,618
Goodwill	939,683			939,683			939,683	939,683	939,683
Community Banks
Financial information for the Company's operating segments
Goodwill	936,916						936,916		936,916
Insurance
Financial information for the Company's operating segments
Goodwill	2,767						2,767		$ 2,767
Operating segments | Community Banks
Financial information for the Company's operating segments
Net interest income (loss)	108,909			111,696			325,879	343,418
Provision for credit losses on loans	22,408			1,700			75,481	4,100
Noninterest income	63,918			31,911			152,716	97,789
Noninterest expense	110,430			90,996			332,490	261,905
Income (loss) before income taxes	39,989			50,911			70,624	175,202
Income tax expense (benefit)	8,383			12,009			15,088	41,205
Net income (loss)	31,606			38,902			55,536	133,997
Total assets	14,694,683			12,922,205			14,694,683	12,922,205
Goodwill	936,916			936,916			936,916	936,916
Operating segments | Insurance
Financial information for the Company's operating segments
Net interest income (loss)	126			177			424	516
Provision for credit losses on loans	0			0			0	0
Noninterest income	2,694			2,533			7,787	7,634
Noninterest expense	1,974			1,948			5,708	5,661
Income (loss) before income taxes	846			762			2,503	2,489
Income tax expense (benefit)	217			200			658	648
Net income (loss)	629			562			1,845	1,841
Total assets	30,138			27,448			30,138	27,448
Goodwill	2,767			2,767			2,767	2,767
Operating segments | Wealth Management
Financial information for the Company's operating segments
Net interest income (loss)	403			485			1,250	1,244
Provision for credit losses on loans	692			0			869	0
Noninterest income	4,714			3,859			13,370	11,408
Noninterest expense	3,818			3,287			11,215	10,199
Income (loss) before income taxes	607			1,057			2,536	2,453
Income tax expense (benefit)	0			0			0	0
Net income (loss)	607			1,057			2,536	2,453
Total assets	68,261			70,973			68,261	70,973
Goodwill	0			0			0	0
Other
Financial information for the Company's operating segments
Net interest income (loss)	(3,152)			(3,533)			(8,883)	(10,406)
Provision for credit losses on loans	0			0			0	0
Noninterest income	(398)			(350)			(1,205)	(1,033)
Noninterest expense	288			269			423	857
Income (loss) before income taxes	(3,838)			(4,152)			(10,511)	(12,296)
Income tax expense (benefit)	(988)			(1,077)			(2,724)	(3,186)
Net income (loss)	(2,850)			(3,075)			(7,787)	(9,110)
Total assets	15,851			19,048			15,851	19,048
Goodwill	$ 0			$ 0			$ 0	$ 0