SouthState (SSB) 10-Q6 May 222022 Q1 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2022	May 05, 2022
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Mar. 31, 2022
Entity File Number	001-12669
Entity Registrant Name	SOUTHSTATE CORP
Entity Incorporation, State or Country Code	SC
Entity Tax Identification Number	57-0799315
Entity Address, Address Line One	1101 First Street South, Suite 202
Entity Address, City or Town	Winter Haven
Entity Address, State or Province	FL
Entity Address, Postal Zip Code	33880
City Area Code	863
Local Phone Number	293-4710
Title of 12(b) Security	Common Stock
Trading Symbol	SSB
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		75,475,551
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Entity Central Index Key	0000764038
Amendment Flag	false

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Cash and cash equivalents:
Cash and due from banks	$ 588,372	$ 476,653
Federal funds sold and interest-earning deposits with banks	5,414,420	6,018,915
Deposits in other financial institutions (restricted cash)	29,814	347,579
Total cash and cash equivalents	6,032,606	6,843,147
Trading securities, at fair value	74,234	77,689
Investment securities:
Securities held to maturity (fair value of $2,630,495 and $1,778,064)	2,827,769	1,819,901
Securities available for sale, at fair value	5,924,206	5,193,478
Other investments	179,258	160,568
Total investment securities	8,931,233	7,173,947
Loans held for sale	130,376	191,723
Loans:
Total loans	26,556,427	23,928,166
Less allowance for credit losses	(300,396)	(301,807)
Loans, net	26,256,031	23,626,359
Other real estate owned	3,290	2,736
Bank property held for sale	6,417	9,578
Premises and equipment, net	568,332	558,499
Bank owned life insurance ("BOLI")	942,922	783,049
Deferred tax assets	136,078	64,964
Derivatives assets	412,815	414,742
Mortgage servicing rights	83,339	65,620
Core deposit and other intangibles	140,364	128,067
Goodwill	1,924,024	1,581,085
Other assets	559,480	438,827
Total assets	46,201,541	41,960,032
Deposits:
Noninterest-bearing	14,052,332	11,498,840
Interest-bearing	24,723,498	23,555,989
Total deposits	38,775,830	35,054,829
Federal funds purchased	343,819	381,195
Securities sold under agreements to repurchase	426,590	400,044
Corporate and subordinated debentures	405,553	327,066
Reserve for unfunded commitments	30,368	30,510
Derivative liabilities	412,168	410,137
Other liabilities	632,805	553,311
Total liabilities	41,027,133	37,157,092
Shareholders' equity:
Common stock - $2.50 par value; authorized 160,000,000 shares; 75,761,018 and 69,332,297 shares issued and outstanding, respectively	189,403	173,331
Surplus	4,214,897	3,653,098
Retained earnings	1,064,064	997,657
Accumulated other comprehensive loss	(293,956)	(21,146)
Total shareholders' equity	5,174,408	4,802,940
Total liabilities and shareholders' equity	46,201,541	41,960,032
Acquired - non-purchased credit deteriorated loans
Loans:
Total loans	7,633,824	5,890,069
Acquired - purchased credit deteriorated loans
Loans:
Total loans	1,939,033	1,987,322
Non-acquired loans
Loans:
Total loans	$ 16,983,570	$ 16,050,775

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Investment securities:
Securities held to maturity, fair value (in dollars)	$ 2,630,495	$ 1,778,064
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 2.50	$ 2.50
Common stock, shares authorized	160,000,000	160,000,000
Common stock, shares issued	75,761,018	69,332,297
Common stock, shares outstanding	75,761,018	69,332,297

Condensed Consolidated Statemen

Condensed Consolidated Statements of Net Income - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income:
Loans, including fees	$ 233,617	$ 259,967
Investment securities:
Taxable	30,120	15,425
Tax-exempt	3,875	2,095
Federal funds sold, securities purchased under agreements to resell and interest-bearing deposits with banks	2,852	989
Total interest income	270,464	278,476
Interest expense:
Deposits	4,628	11,257
Federal funds purchased and securities sold under agreements to repurchase	269	351
Corporate and subordinated debentures	4,093	4,870
Total interest expense	8,990	16,478
Net interest income	261,474	261,998
Recovery for credit losses	(8,449)	(58,420)
Net interest income after recovery for credit losses	269,923	320,418
Noninterest income:
Other income	8,882	6,797
Total noninterest income	86,090	96,285
Noninterest expense:
Salaries and employee benefits	137,673	140,361
Occupancy expense	21,840	23,331
Information services expense	19,193	18,789
OREO and loan related (gain) expense	(238)	1,002
Amortization of intangibles	8,494	9,164
Supplies, printing and postage expense	2,189	2,670
Professional fees	3,749	3,274
FDIC assessment and other regulatory charges	4,812	3,841
Advertising and marketing	1,763	1,740
Merger and branch consolidation related expense	10,276	10,009
Other expense	18,849	14,530
Total noninterest expense	228,600	228,711
Earnings:
Income before provision for income taxes	127,413	187,992
Provision for income taxes	27,084	41,043
Net income	$ 100,329	$ 146,949
Earnings per common share:
Basic (in dollars per share)	$ 1.40	$ 2.07
Diluted (in dollars per share)	$ 1.39	$ 2.06
Weighted average common shares outstanding:
Basic (in shares)	71,447	71,009
Diluted (in shares)	72,111	71,484
Fees on deposit accounts
Noninterest income:
Noninterest income	$ 28,902	$ 25,282
Mortgage banking income
Noninterest income:
Noninterest income	10,594	26,880
Trust and investment services income
Noninterest income:
Noninterest income	9,718	8,578
Correspondent banking and capital market income
Noninterest income:
Noninterest income	$ 27,994	$ 28,748

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Condensed Consolidated Statements of Comprehensive (Loss) Income
Net income	$ 100,329	$ 146,949
Unrealized holding losses on available for sale securities:
Unrealized holding losses arising during period	(362,120)	(63,790)
Tax effect	89,310	15,170
Net of tax amount	(272,810)	(48,620)
Other comprehensive loss, net of tax	(272,810)	(48,620)
Comprehensive (loss) income	$ (172,481)	$ 98,329

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock	Surplus	Retained Earnings	Accumulated Other Comprehensive (Loss) Gain	Total
Balance at Dec. 31, 2020	$ 177,434	$ 3,765,406	$ 657,451	$ 47,589	$ 4,647,880
Balance (in shares) at Dec. 31, 2020	70,973,477
Increase (Decrease) in Stockholders' Equity
Net income			146,949		146,949
Other comprehensive Income (loss), net of tax effects				(48,620)	(48,620)
Total comprehensive income (loss)					98,329
Cash dividends declared on common stock per share			(33,380)		(33,380)
Cash dividends equivalents paid on restricted stock units			(68)		(68)
Stock options exercised	$ 94	1,677			1,771
Stock options exercised (in shares)	37,854
Stock issued pursuant to restricted stock units	$ 149	(149)
Stock issued pursuant to restricted stock units (in shares)	59,462
Common stock repurchased	$ (26)	(778)			(804)
Common stock repurchased (in shares)	(10,347)
Share-based compensation expense		6,092			6,092
Balance at Mar. 31, 2021	$ 177,651	3,772,248	770,952	(1,031)	4,719,820
Balance (in shares) at Mar. 31, 2021	71,060,446
Balance at Dec. 31, 2021	$ 173,331	3,653,098	997,657	(21,146)	$ 4,802,940
Balance (in shares) at Dec. 31, 2021	69,332,297				69,332,297
Increase (Decrease) in Stockholders' Equity
Net income			100,329		$ 100,329
Other comprehensive Income (loss), net of tax effects				(272,810)	(272,810)
Total comprehensive income (loss)					(172,481)
Cash dividends declared on common stock per share			(33,822)		(33,822)
Cash dividends equivalents paid on restricted stock units			(100)		(100)
Stock options exercised	$ 24	384			408
Stock options exercised (in shares)	9,703
Stock issued pursuant to restricted stock units	$ 321	(321)
Stock issued pursuant to restricted stock units (in shares)	128,302
Common stock repurchased - buyback plan	$ (2,530)	(83,928)			(86,458)
Common stock repurchased - buyback plan (in shares)	(1,012,038)
Common stock repurchased	$ (70)	(2,287)			(2,357)
Common stock repurchased (in shares)	(28,049)
Share-based compensation expense		8,486			8,486
Common stock issued for acquisition	$ 18,327	641,445			659,772
Common stock issued for acquisition (in shares)	7,330,803
Net fair value of unvested equity awards assumed in the Atlantic Capital acquisition		(1,980)			(1,980)
Balance at Mar. 31, 2022	$ 189,403	$ 4,214,897	$ 1,064,064	$ (293,956)	$ 5,174,408
Balance (in shares) at Mar. 31, 2022	75,761,018				75,761,018

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Condensed Consolidated Statements of Changes in Shareholders' Equity
Common stock cash dividends declared, per share (in dollars per share)	$ 0.49	$ 0.47

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 100,329	$ 146,949
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	16,178	15,475
Recovery from credit losses	(8,449)	(58,420)
Deferred income taxes	49,073	21,037
Share-based compensation expense	8,486	6,092
Accretion of discount related to acquired loans	(6,741)	(10,416)
Losses on disposal of premises and equipment	812	753
(Gains) losses on sale of bank properties held for sale and repossessed real estate	(624)	2,349
Net amortization of premiums on investment securities	7,767	9,481
Bank properties held for sale and repossessed real estate write downs	195	469
Fair value adjustment for loans held for sale	6,026	5,852
Originations and purchases of loans held for sale	(645,339)	(842,796)
Proceeds from sales of loans held for sale	702,505	795,124
Gains on sales of loans held for sale	(1,845)	(20,709)
Increase in cash surrender value of BOLI	(5,260)	(3,280)
Net change in:
Accrued interest receivable	(4,630)	4,169
Prepaid assets	3,309	1,685
Operating leases	33	1,638
Bank owned life insurance		24
Trading securities	3,455	(41,412)
Derivative assets	5,882	397,570
Miscellaneous other assets	(75,613)	(172,197)
Accrued interest payable	3,035	1,394
Accrued income taxes	(20,188)	19,436
Derivative liabilities	(1,968)	(402,575)
Miscellaneous other liabilities	35,761	421,343
Net cash provided by operating activities	172,189	299,035
Cash flows from investing activities:
Proceeds from sales of investment securities available for sale	414,438
Proceeds from maturities and calls of investment securities held to maturity	40,152	16,746
Proceeds from maturities and calls of investment securities available for sale	158,642	217,712
Proceeds from sales and redemptions of other investment securities	13,216	155
Purchases of investment securities available for sale	(980,298)	(850,593)
Purchases of investment securities held to maturity	(1,049,722)	(276,725)
Purchases of other investment securities	(19,890)	(1,181)
Net (increase) decrease in loans	(243,652)	178,078
Net cash received from (paid in) acquisitions	250,115	(39,929)
Recoveries of loans previously charged off	3,168	3,396
Purchase of bank owned life insurance	(80,000)
Purchases of premises and equipment	(4,983)	(5,580)
Proceeds from sale of bank properties held for sale and repossessed real estate	5,449	6,599
Proceeds from sale of premises and equipment	453	952
Net cash used in investing activities	(1,492,912)	(750,370)
Cash flows from financing activities:
Net increase in deposits	693,341	1,749,783
Net (decrease) increase in federal funds purchased and securities sold under agreements to repurchase and other short-term borrowings	(60,830)	98,915
Common stock repurchases	(88,815)	(804)
Dividends paid	(33,922)	(33,448)
Stock options exercised	408	1,771
Net cash provided by financing activities	510,182	1,816,217
Net increase (decrease) in cash and cash equivalents	(810,541)	1,364,882
Cash and cash equivalents at beginning of period	6,843,147	4,609,255
Cash and cash equivalents at end of period	6,032,606	5,974,137
Cash paid for:
Interest	5,956	15,083
Income taxes	1,231	2,072
Recognition of operating lease assets in exchange for lease liabilities	12,428	1,298
Acquisitions:
Fair value of tangible assets acquired	3,499,774	34,838
Other intangible assets acquired	20,791
Liabilities assumed	3,205,694	2,343
Net identifiable assets acquired over liabilities assumed	342,939	15,816
Common stock issued in acquisition	659,772
Real estate acquired in full or in partial settlement of loans	$ 1,151	$ 1,631

Basis of Presentation

Basis of Presentation	3 Months Ended
Basis of Presentation	Mar. 31, 2022
Basis of Presentation
Basis of Presentation	Note 1 — Basis of Presentation The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America, otherwise referred to as GAAP, for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and disclosures required 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 period information has been reclassified to conform to the current period presentation, and these reclassifications had no impact on net income or equity as previously reported. Operating results for the three months ended March 31, 2022 and 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2022. The condensed consolidated balance sheet at December 31, 2021 has been derived from the audited financial statements at that date but does not include all of the information and disclosures required by GAAP for complete financial statements.

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
Summary of Significant Accounting Policies	Mar. 31, 2022
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	Note 2 — Summary of Significant Accounting Policies The information contained in the consolidated financial statements and accompanying notes included in our Annual Report on Form 10-K for the year ended December 31, 2021, as filed with the Securities and Exchange Commission (the “SEC”) on February 25, 2022, should be referenced when reading these unaudited condensed consolidated financial statements. Unless otherwise mentioned or unless the context requires otherwise, references herein to “SouthState,” the “Company” “we,” “us,” “our” or similar references mean SouthState Corporation and its consolidated subsidiaries. References to the “Bank” or “SouthState Bank” means SouthState Corporation’s wholly owned subsidiary, South State Bank, National Association, a national banking association. Allowance for Credit Losses (“ACL”) On January 1, 2020, we adopted the requirements of Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, sometimes referred to herein as ASU 2016-13 . Topic 326 was subsequently amended by ASU No. 2019-11, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; ASU No. 2019-05, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; and ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This standard applies to all financial assets measured at amortized cost and off-balance sheet credit exposures, including loans, investment securities and unfunded commitments. We applied the standard’s provisions using the modified retrospective method as a cumulative-effect adjustment to retained earnings as of January 1, 2020. ACL – Investment Securities Management uses a systematic methodology to determine its ACL for investment securities held to maturity. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the held to maturity portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, Management’s process for determining expected credit losses may result in a range of expected credit losses. Management monitors the held to maturity portfolio to determine whether a valuation account should be recorded. As of March 31, 2022 and December 31, 2021, the Company had $2.8 billion and $1.8 billion, respectively, of held to maturity securities and no related valuation account. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of March 31, 2022 and December 31, 2021, the accrued interest receivables for all investment securities recorded in Other Assets were Management no longer evaluates securities for other-than-temporary impairment, otherwise referred to herein as OTTI, as ASC Subtopic 326-30, Financial Instruments—Credit Losses—Available for Sale Debt Securities, changes the accounting for recognizing impairment on available for sale debt securities. Each quarter Management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby Management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses in the Statements of Income. ACL - Loans The ACL for loans held for investment reflects Management’s estimate of losses that will result from the inability of our borrowers to make required loan payments. The Company established the incremental increase in the ACL at adoption through equity and subsequent adjustments through a provision for or recovery of credit losses recorded to earnings. The Company records loans charged off against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. Management uses systematic methodologies to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, Management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects Management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for Management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The allowance for credit losses is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments, or pools, for analysis. The Discounted Cash Flow (“DCF”) method is utilized for each loan in a pool, and the results are aggregated at the pool level. A periodic tendency to default and absolute loss given default are applied to a projective model of the loan’s cash flow while considering prepayment and principal curtailment effects. The analysis produces expected cash flows for each instrument in the pool by pairing loan-level term information (e.g., maturity date, payment amount, interest rate, etc.) with top-down pool assumptions (e.g., default rates and prepayment speeds). The Company has identified the following portfolio segments: Owner-Occupied Commercial Real Estate, Non-Owner Occupied Commercial Real Estate, Multifamily, Municipal, Commercial and Industrial, Commercial Construction and Land Development, Residential Construction, Residential Senior Mortgage, Residential Junior Mortgage, Revolving Mortgage, and Consumer and Other. In determining the proper level of the ACL, Management has determined that the loss experience of the Bank provides the best basis for its assessment of expected credit losses. It therefore utilized its own historical credit loss experience by each loan segment over an economic cycle, while excluding loss experience from certain acquired institutions (i.e., failed banks). For most of the segment models for collectively evaluated loans, the Company incorporated two or more macroeconomic drivers using a statistical regression modeling methodology. Management considers forward-looking information in estimating expected credit losses. The Company subscribes to a third-party service which provides a quarterly macroeconomic baseline outlook and alternative scenarios for the United States economy. The baseline, along with the evaluation of alternative scenarios, is used by Management to determine the best estimate within the range of expected credit losses. Management has evaluated the appropriateness of the reasonable and supportable forecast scenarios and has made adjustments as needed. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to the long term mean of historical factors within four quarters using a straight-line approach. The Company generally utilizes a four-quarter forecast and a four-quarter reversion period. Included in its systematic methodology to determine its ACL, Management considers the need to qualitatively adjust expected credit losses for information not already captured in the loss estimation process. These qualitative adjustments either increase or decrease the quantitative model estimation (i.e., formulaic model results). Each period the Company considers qualitative factors that are relevant within the qualitative framework that includes the following: 1) Lending Policy; 2) Economic conditions not captured in models; 3) Volume and Mix of Loan Portfolio; 4) Past Due Trends; 5) Concentration Risk; 6) External Factors; and 7) Model Limitations. When a loan no longer shares similar risk characteristics with its segment, the asset is assessed to determine whether it should be included in another pool or should be individually evaluated. The Company’s threshold for individually-evaluated loans includes all non-accrual loans with a net book balance in excess of million. Management will monitor the credit environment and make adjustments to this threshold in the future if warranted. Based on the threshold above, consumer financial assets will generally remain in pools unless they meet the dollar threshold. The expected credit losses on individually-evaluated loans will be estimated based on discounted cash flow analysis unless the loan meets the criteria for use of the fair value of collateral, either by virtue of an expected foreclosure or through meeting the definition of collateral-dependent. Financial assets that have been individually evaluated can be returned to a pool for purposes of estimating the expected credit loss insofar as their credit profile improves and that the repayment terms were not considered to be unique to the asset. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably-expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. For consumer loans, the point at which a TDR is reasonably expected is when the Company approves the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approves loan concessions on substandard loans. For commercial loans, the point at which a TDR is reasonably expected is when the Company approves the loan for modification or when the Credit Administration department approves loan concessions on substandard loans. The Company uses a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the ACL. For purchased credit-deteriorated, otherwise referred to herein as PCD, assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., allowance for credit losses) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the allowance for credit losses. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the Provision for Credit Losses in the Condensed Consolidated Statements of Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. In accordance with the transition requirements within the standard, the Company’s acquired credit-impaired loans (i.e., ACI or Purchased Credit Impaired) were treated as PCD loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of March 31, 2022 and December 31, 2021, the accrued interest receivables for loans recorded in Other Assets were The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss will be recorded as a liability on the balance sheet. Management has determined that a majority of the Company’s off-balance-sheet credit exposures are not unconditionally cancellable. Management completes funding studies based on historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. Management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of March 31, 2022 and December 31, 2021, the liabilities recorded for expected credit losses on unfunded commitments were million, respectively.

Recent Accounting and Regulator

Recent Accounting and Regulatory Pronouncements	3 Months Ended
Recent Accounting and Regulatory Pronouncements	Mar. 31, 2022
Recent Accounting and Regulatory Pronouncements
Recent Accounting and Regulatory Pronouncements	Note 3 — Recent Accounting and Regulatory Pronouncements Accounting Standards Adopted In August 2018, the FASB issued ASU No. 2018-14, Disclosure Framework-Changes to the Disclosure Requirements for Defined Benefit Plans (Subtopic 715-20 . ASU 2018-14 amends ASC 715-20 to add, remove, and clarify disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans. For public business entities, ASU 2018-14 is effective for fiscal years ending after December 15, 2020 and requires entities to apply the amendment on a retrospective basis. Early adoption is permitted. The Company adopted ASU No. 2018-14 but it did not have a material impact on our consolidated financial statements. Issued But Not Yet Adopted Accounting Standards In March 2022, FASB issued ASU No. 2020-04, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . The amendments in this ASU eliminate the long-standing accounting guidance for TDRs by creditors in Subtopic 310-40, Receivables – Troubled Debt Restructurings by Creditors, as it is no longer meaningful due to the introduction of Topic 326, which requires an entity to consider lifetime expected credit losses on loans when establishing an allowance for credit losses. Thus, most losses that would have been realized for a TDR under Subtopic 310-40 are now captured by the accounting required under Topic 326. The amendments in this ASU also require that an entity disclose current-period gross write offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, Financial Instruments – Credit Losses Measured at Amortized Cost. The amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Aside from the changes to the disclosures required by this ASU, this ASU is not expected to have a material impact on our consolidated financial statements. In March 2020, FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848 – Facilitation of the Effects of Reference Rate Reform on Financial Reporting and subsequently expanded the scope of ASU No. 2020-04 with the issuance of ASU No. 2021-01 . This update provides companies with optional guidance to ease the potential accounting burden associated with transitioning away from reference rates that will be discontinued. The amendments in this update provide optional expedients and exceptions for applying GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. The main provisions for contract modifications include optional relief by allowing the modification as a continuation of the existing contract without additional analysis and other optional expedients regarding embedded features. The amendments in this update apply only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate that will be discontinued because of reference rate reform. The amendments in this update were effective for all entities as of March 12, 2020 and may be applied through December 31, 2022. An entity may elect to apply the amendments in this update to eligible hedging relationships existing as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. An entity may elect to apply the amendments for contract modifications as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020, up to the date that the financial statements are available to be issued. Once elected, the amendments in this update must be applied prospectively for all eligible contract modifications and hedging relationships. The Company has established a LIBOR Committee and various subcommittees which have evaluated the impact of adopting and implementing ASU 2020-04 on the consolidated financial statements including the evaluation of all of the Company’s contracts, hedging relationships and other transactions that will be affected by reference rates that are being discontinued. The cross-functional LIBOR Committee and subcommittees have (1) assessed the Company's current exposure to LIBOR indexed instruments and the data, systems and processes that will be impacted; (2) established a detailed implementation plan; and (3) developed a formal governance structure for the transition. The Company is in the process of developing and implementing various proactive steps to facilitate the transition on behalf of customers, which include the adoption and ongoing implementation of fallback provisions that provide for the determination of replacement rates for LIBOR-linked financial products; the adoption of new products linked to alternative reference rates, such as adjustable-rate mortgages, consistent with guidance provided by the U.S. regulators, the Alternative Reference Rates Committee, and government sponsored entities; the cessation of quoting LIBOR and originating new products linked to LIBOR by December 31, 2021; and the selection of SOFR indices as the replacement indices, and successful completion of systems testing using the SOFR replacement indices. As a result of the implementation plan, the Company discontinued quoting LIBOR on September 30, 2021 and discontinued originating new products linked to LIBOR on December 31, 2021. The Company continues to evaluate its financial and operational infrastructure in its effort to transition all financial and strategic processes, systems, and models to reference rates other than LIBOR. The Company is in the process of developing and implementing processes to educate all client-facing associates and coordinate communications with customers regarding the transition. In addition, the Company expects to adopt the LIBOR transition relief allowed under ASU No. 2020-04.

Mergers and Acquisitions

Mergers and Acquisitions	3 Months Ended
Mergers and Acquisitions	Mar. 31, 2022
Mergers and Acquisitions
Mergers and Acquisitions	Note 4 — Mergers and Acquisitions Duncan-Williams, Inc. (“Duncan-Williams”) On February 1, 2021, the Company completed its acquisition of Duncan-Williams, a 52-year-old family- and employee-owned registered broker-dealer, headquartered in Memphis, Tennessee, serving primarily institutional clients across the U.S. in the fixed income business. Duncan-Williams firm became an operating subsidiary of the Bank immediately following the transaction. In total, the purchase price for Duncan-Williams was $48.3 million, including an additional premium of $8.0 million that is payable after three years from the date of acquisition. The acquisition was accounted for under the acquisition method of accounting in accordance with ASC Topic 805. The Company recognized goodwill on this acquisition of million. The goodwill was calculated based on the fair values of the assets acquired and liabilities assumed as of the acquisition date. Atlantic Capital Bancshares, Inc. (“Atlantic Capital” or “ACBI”) On March 1, 2022, the Company acquired all of the outstanding common stock of Atlantic Capital Bancshares, Inc., a Georgia corporation (“Atlantic Capital” or “ACBI”), in a stock transaction. Upon the terms and subject to the conditions set forth therein, Atlantic Capital merged with and into the Company, with the Company continuing as the surviving corporation in the merger. Immediately following the merger, Atlantic Capital’s wholly owned banking subsidiary, Atlantic Capital Bank, N.A. (“ACB”) merged with and into the Company’s wholly owned banking subsidiary, SouthState Bank, National Association, which continues as the surviving bank in the bank merger by and between SouthState and Atlantic Capital. Shareholders of Atlantic Capital received shares of the Company’s common stock for each share of Atlantic Capital common stock they owned. In total, the purchase price for Atlantic Capital was million. In the acquisition, the Company acquired $2.4 billion of loans, including PPP loans, at fair value, net of $48.7 million, or 2.01%, estimated discount to the outstanding principal balance, representing 10.0% of the Company’s total loans at December 31, 2021. Of the total loans acquired, Management identified million that had more than insignificantly deteriorated since origination and were thus determined to be PCD loans. The acquisition was accounted for under the acquisition method of accounting in accordance with ASC Topic 805. The Company recognized goodwill on this acquisition of million. The goodwill was calculated based on the fair values of the assets acquired and liabilities assumed as of the acquisition date. During three month ended March 31, 2022, the Company incurred approximately $5.6 million of acquisition costs related to this transaction. These acquisition costs are reported in merger and branch consolidation related expenses on the Company’s Consolidated Statements of Income. The Atlantic Capital transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at estimated fair value on the acquisition date. Fair values are preliminary and subject to refinement for up to a year after the closing date of the acquisition. Initial As Recorded Fair Value As Recorded by (Dollars in thousands) by Atlantic Capital Adjustments the Company Assets Cash and cash equivalents $ 250,134 $ 24 (a) $ 250,158 Investment securities 717,332 (13,622) (b) 703,710 Loans, net of allowance and mark 2,394,256 (18,964) (c) 2,375,292 Premises and equipment 16,892 2,608 (d) 19,500 Intangible assets 22,572 (1,781) (e) 20,791 Bank owned life insurance 74,613 — 74,613 Deferred tax asset 30,231 2,273 (f) 32,504 Other assets 45,274 (1,277) (g) 43,997 Total assets $ 3,551,304 $ (30,739) $ 3,520,565 Liabilities Deposits: Noninterest-bearing $ 1,411,671 $ — $ 1,411,671 Interest-bearing 1,616,970 — 1,616,970 Total deposits 3,028,641 — 3,028,641 Federal funds purchased and securities sold under agreements to repurchase 50,000 — 50,000 Other borrowings 74,131 4,286 (h) 78,417 Other liabilities 50,711 (2,075) (i) 48,636 Total liabilities 3,203,483 2,211 3,205,694 Net identifiable assets acquired over (under) liabilities assumed 347,821 (32,950) 314,871 Goodwill — 342,939 342,939 Net assets acquired over liabilities assumed $ 347,821 $ 309,989 $ 657,810 Consideration: South State Corporation common shares issued 7,330,803 Purchase price per share of the Company's common stock $ 90.00 Company common stock issued ($659,772) and cash exchanged for fractional shares ($19) $ 659,791 Stock option conversion 1,135 Restricted stock unit conversion 2,870 Restricted stock awards conversion (unvested awards) (5,986) Fair value of total consideration transferred $ 657,810 Explanation of fair value adjustments (a)— Represents an adjustment to record time deposits with financial institutions at fair value (premium). (b)— Represents the reversal of Atlantic Capital 's existing fair value adjustments of $17.2 million and the adjustment to record securities and time deposits at fair value (discount) totaling $30.9 million (includes reclassification of all securities held as HTM to AFS totaling $237.6 million). (c)— Represents approximately 1.23%, or $29.7 million, credit mark of the loan portfolio and 2.01% total mark, or $48.7 million, including discount, based on a third party valuation. Also, includes a reversal of Atlantic Capital's ending allowance for credit losses of (d)— Represents the preliminary fair value adjustments of $2.6 million on fixed assets and leased assets. (e)— Represents approximately $17.5 million, or 0.63%, of CDI amount and $3.2 million for SBA servicing asset based on a third party valuation. Prior to the merger, goodwill and servicing asset of (f)— Represents deferred tax asset related to fair value adjustments with effective tax rate of 24.6% , which includes an adjustment from the Atlantic Capital rate to the Company’s rate. The difference in rates relates to state income taxes. (g)— Represents the fair value adjustment (decrease) for Investment in low income housing investment of $1.1 million and write-off of prepaid assets. (h)— Represents the reversal of the existing Atlantic Capital’s issuance costs on subordinated debt of $0.9 million, and recording the fair value adjustment (premium) of $3.4 million, based on a third party valuation. (i)— Represents the reversal of $2.8 million of unfunded commitment liability at purchase date and the fair value adjustment to increase lease liabilities associated with rental facilities totaling $1.4 million. Also includes the reversal of uncertain tax liability of Comparative and Pro Forma Financial Information for the Atlantic Capital Acquisition Pro-forma data for the three months ended March 31, 2022 and March 31, 2021 listed in the table below presents pro-forma information as if the Atlantic Capital acquisition occurred at the beginning of 2021. These results combine the historical results of Atlantic Capital in the Company’s Consolidated Statements of Income and, while certain adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity, they are not indicative of what would have occurred had the acquisition taken place on January 1, 2021. Merger-related costs of $5.6 million from the Atlantic Capital acquisition were incurred during 2022 and were excluded from pro forma information below. No adjustments have been made to reduce the impact of any OREO write downs, investment securities sold or repayment of borrowings recognized by Atlantic Capital in either 2022 or 2021. Expenses related to systems conversions and other costs of integration are expected to be recorded during 2022 for the Atlantic Capital transaction. The Company expects to achieve further operating cost savings and other business synergies as a result of the acquisition, which are not reflected in the pro forma amounts below. The total revenues presented below represent pro-forma net interest income plus pro-forma noninterest income. Pro Forma Pro Forma Three Months Ended Three Months Ended (Dollars in thousands) March 31, 2022 March 31, 2021 Total revenues (net interest income plus noninterest income) $ 367,675 $ 391,080 Net interest income $ 278,056 $ 291,233 Net adjusted income available to the common shareholder $ 124,685 $ 147,366 EPS - basic $ 1.64 $ 1.88 EPS - diluted $ 1.62 $ 1.87 The disclosures regarding the results of operations for subsequent to the acquisition date are omitted as this information is not practical to obtain. Although the Company has not converted ’s core system, the majority of the fixed costs and purchase accounting entries were booked on the Company’s core system making it impractical to determine ’s results of operation on a stand-alone basis.

Securities

Securities	3 Months Ended
Securities	Mar. 31, 2022
Securities
Investment Securities	Note 5 —Securities Investment Securities The following is the amortized cost and fair value of investment securities held to maturity: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value March 31, 2022: U.S. Government agencies $ 197,259 $ — $ (12,318) $ 184,941 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,740,217 — (125,037) 1,615,180 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 455,180 — (24,951) 430,229 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 373,100 108 (28,673) 344,535 Small Business Administration loan-backed securities 62,013 — (6,403) 55,610 $ 2,827,769 $ 108 $ (197,382) $ 2,630,495 December 31, 2021: U.S. Government agencies $ 112,913 $ — $ (2,627) $ 110,286 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,120,104 14 (24,278) 1,095,840 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 174,178 — (4,937) 169,241 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 350,116 304 (8,021) 342,399 Small Business Administration loan-backed securities 62,590 — (2,292) 60,298 $ 1,819,901 $ 318 $ (42,155) $ 1,778,064 The following is the amortized cost and fair value of investment securities available for sale: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value March 31, 2022: U.S. Treasuries $ 270,547 $ — $ (1,966) $ 268,581 U.S. Government agencies 190,899 — (10,957) 179,942 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 2,156,635 48 (142,779) 2,013,904 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 739,068 167 (44,530) 694,705 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,247,034 301 (95,475) 1,151,860 State and municipal obligations 1,201,639 1,884 (75,826) 1,127,697 Small Business Administration loan-backed securities 477,702 551 (20,896) 457,357 Corporate securities 30,619 34 (493) 30,160 $ 6,314,143 $ 2,985 $ (392,922) $ 5,924,206 December 31, 2021: U.S. Government agencies $ 98,882 $ — $ (1,765) $ 97,117 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,851,700 5,324 (25,985) 1,831,039 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 730,949 5,957 (10,911) 725,995 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,220,233 5,438 (18,430) 1,207,241 State and municipal obligations 798,211 16,697 (2,219) 812,689 Small Business Administration loan-backed securities 502,812 2,330 (4,479) 500,663 Corporate securities 18,509 234 (9) 18,734 $ 5,221,296 $ 35,980 $ (63,798) $ 5,193,478 During the three months ended March 31, 2022 and 2021, there were no realized gains or losses from the sale of available for sale securities. During the three months ended March 31, 2022, the Company sold securities totaling million that were legacy ACBI securities. These securities were marked to fair value at merger and therefore resulted in The following is the amortized cost and carrying value of other investment securities: Carrying (Dollars in thousands) Value March 31, 2022: Federal Home Loan Bank stock $ 15,095 Federal Reserve Bank stock 149,659 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,941 $ 179,258 December 31, 2021: Federal Home Loan Bank stock $ 16,283 Federal Reserve Bank stock 129,716 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 11,006 $ 160,568 Our other investment securities consist of non-marketable equity securities that have no readily determinable market value. Accordingly, when evaluating these securities for impairment, Management considers the ultimate recoverability of the par value rather than recognizing temporary declines in value. As of March 31, 2022, we determined that there was The amortized cost and fair value of debt securities at March 31, 2022, by contractual maturity are detailed below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. Securities Securities Held to Maturity Available for Sale Amortized Fair Amortized Fair (Dollars in thousands) Cost Value Cost Value Due in one year or less $ — $ — $ 7,567 $ 7,590 Due after one year through five years 64,365 64,002 477,415 471,472 Due after five years through ten years 433,463 411,807 1,098,144 1,034,518 Due after ten years 2,329,941 2,154,686 4,731,017 4,410,626 $ 2,827,769 $ 2,630,495 $ 6,314,143 $ 5,924,206 Information pertaining to our securities with gross unrealized losses at March 31, 2022 and December 31, 2021, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position is as follows: Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value March 31, 2022: Securities Held to Maturity U.S. Government agencies $ 6,624 $ 140,646 $ 5,694 $ 44,295 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 67,934 1,058,367 57,103 556,812 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 17,920 273,429 7,031 55,589 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 13,930 140,104 14,743 129,759 Small Business Administration loan-backed securities — — 6,403 55,610 $ 106,408 $ 1,612,546 $ 90,974 $ 842,065 Securities Available for Sale U.S. Treasuries $ 1,966 $ 268,581 $ — $ — U.S. Government agencies 8,124 157,776 2,833 22,166 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 98,405 1,607,878 44,374 398,080 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 32,801 562,732 11,729 90,910 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 79,666 876,459 15,809 171,206 State and municipal obligations 71,078 960,986 4,748 29,605 Small Business Administration loan-backed securities 13,526 247,135 7,370 141,086 Corporate securities 493 23,628 — — $ 306,059 $ 4,705,175 $ 86,863 $ 853,053 December 31, 2021: Securities Held to Maturity U.S. Government agencies $ 1,745 $ 86,168 $ 882 $ 24,118 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises $ 18,768 868,327 5,510 184,819 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 4,937 169,240 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 4,902 154,963 3,119 75,450 Small Business Administration loan-backed securities 1,281 37,408 1,011 22,890 $ 31,633 $ 1,316,106 $ 10,522 $ 307,277 Securities Available for Sale U.S. Government agencies $ 529 $ 73,353 $ 1,236 $ 23,763 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,381 1,274,934 8,604 221,435 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 10,911 432,300 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 13,120 846,581 5,310 98,106 State and municipal obligations 1,867 123,987 352 8,579 Small Business Administration loan-backed securities 2,720 179,168 1,759 110,309 Corporate securities 9 4,991 — — $ 46,537 $ 2,935,314 $ 17,261 $ 462,192 Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby Management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses. Consideration is given to (1) the financial condition and near-term prospects of the issuer including looking at default and delinquency rates, (2) the outlook for receiving the contractual cash flows of the investments, (3) the length of time and the extent to which the fair value has been less than cost, (4) our intent and ability to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value or for a debt security whether it is more-likely-than-not that we will be required to sell the debt security prior to recovering its fair value, (5) the anticipated outlook for changes in the general level of interest rates, (6) credit ratings, (7) third-party guarantees, and (8) collateral values. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, the results of reviews of the issuer’s financial condition, and the issuer’s anticipated ability to pay the contractual cash flows of the investments. The Company performed an analysis that determined that the following securities have a zero expected credit loss: U.S. Treasury Securities, Agency-Backed Securities including securities issued by Ginnie Mae, Fannie Mae, FHLB, FFCB and SBA. All of the U.S. Treasury and Agency-Backed Securities have the full faith and credit backing of the United States Government or one of its agencies. Municipal securities and all other securities that do not have a zero expected credit loss are evaluated quarterly to determine whether there is a credit loss associated with a decline in fair value. All debt securities in an unrealized loss position as of March 31, 2022 continue to perform as scheduled and we do not believe there is a credit loss or a provision for credit losses is necessary. Also, as part of our evaluation of our intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, we consider our investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. We do not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that we will be required to sell the debt securities. See Note 2 — Summary of Significant Account Policies for further discussion. Management continues to monitor all of our securities with a high degree of scrutiny. There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods. At March 31, 2022 and December 31, 2021, trading securities, at estimated fair value, were as follows: Trading Securities March 31, December 31, (Dollars in thousands) 2022 2021 U.S. Government agencies $ 14,801 $ 5,154 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 26,484 6,853 Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 7,634 12,315 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 10,973 29,667 State and municipal obligations 12,078 20,798 Other debt securities 2,264 2,902 $ 74,234 $ 77,689 Net gains and losses on trading securities for the three months ended March 31, 2022 and 2021 were as follows: Three Months Ended March 31, (Dollars in thousands) 2022 2021 Net (losses) gain on sales transaction $ (1,239) $ 119 Net mark to mark losses (1,976) (726) Net losses on trading securities $ (3,215) $ (607)

Loans

Loans	3 Months Ended
Loans	Mar. 31, 2022
Loans
Loans	Note 6 — Loans The following is a summary of total loans: March 31, December 31, (Dollars in thousands) 2022 2021 Loans: Construction and land development (1) $ 2,316,313 $ 2,029,216 Commercial non-owner occupied 7,478,115 6,735,699 Commercial owner occupied real estate 5,346,583 4,970,116 Consumer owner occupied (2) 3,813,163 3,638,364 Home equity loans 1,175,573 1,168,594 Commercial and industrial 4,566,641 3,761,133 Other income producing property 680,342 696,804 Consumer 1,167,720 904,657 Other loans 11,977 23,583 Total loans 26,556,427 23,928,166 Less allowance for credit losses (300,396) (301,807) Loans, net $ 26,256,031 $ 23,626,359 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as loans collateralized by 1-4 family owner occupied property with a business intent. In accordance with the adoption of ASU 2016-13, the above table reflects the loan portfolio at the amortized cost basis for the periods March 31, 2022 and December 31, 2021, to include net deferred costs of $27.9 million compared to net deferred fees of $15.9 million, respectively, and unamortized discount total related to loans acquired of $100.7 million and $68.0 million, respectively. Accrued interest receivables of The Company purchased loans through its acquisition of ACBI, for which there was, at acquisition, evidence of more than an insignificant deterioration of credit quality since origination. The carrying amount of those loans, at acquisition, is as follows: (Dollars in thousands) March 1, 2022 Book value of acquired loans at acquisition $ 112,737 Allowance for credit losses at acquisition (9,218) Non-credit discount at acquisition (4,509) Carrying value or book value of acquired loans at acquisition $ 99,010 As part of the ongoing monitoring of the credit quality of our loan portfolio, Management tracks certain credit quality indicators, including trends related to (i) the level of classified loans, (ii) net charge-offs, (iii) non-performing loans (see details below), and (iv) the general economic conditions of the markets that we serve. We utilize a risk grading matrix to assign a risk grade to each commercial loan. Classified loans are assessed at a minimum every six months. A description of the general characteristics of the risk grades is as follows: ● Pass —These loans range from minimal credit risk to average, however, still acceptable credit risk. ● Special mention —A special mention loan has potential weaknesses that deserve Management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date. ● Substandard —A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ● Doubtful —A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. Construction and land development loans in the following table are on commercial and speculative real estate. Consumer owner occupied loans are collateralized by 1-4 family owner occupied property with a business intent. The following table presents the credit risk profile by risk grade of commercial loans by origination year as of March 31, 2022 and 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of March 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Construction and land development Risk rating: Pass $ 145,489 $ 684,487 $ 324,454 $ 231,128 $ 26,470 $ 56,994 $ 100,945 $ 1,569,967 Special mention 283 2,320 133 181 17 2,731 — 5,665 Substandard 223 732 166 3,153 147 2,524 — 6,945 Doubtful — — — — — 7 — 7 Total Construction and land development $ 145,995 $ 687,539 $ 324,753 $ 234,462 $ 26,634 $ 62,256 $ 100,945 $ 1,582,584 Commercial non-owner occupied Risk rating: Pass $ 456,600 $ 1,908,997 $ 853,208 $ 1,081,774 $ 730,349 $ 1,912,737 $ 112,369 $ 7,056,034 Special mention 11,291 15,647 12,714 19,857 36,557 122,637 401 219,104 Substandard 525 25,258 151 63,578 30,546 80,700 2,137 202,895 Doubtful — 1 — 81 — — — 82 Total Commercial non-owner occupied $ 468,416 $ 1,949,903 $ 866,073 $ 1,165,290 $ 797,452 $ 2,116,074 $ 114,907 $ 7,478,115 Commercial Owner Occupied Risk rating: Pass $ 274,999 $ 1,232,157 $ 785,579 $ 827,228 $ 533,651 $ 1,407,248 $ 74,914 $ 5,135,776 Special mention 30 9,014 6,055 16,248 14,731 77,511 62 123,651 Substandard 2,040 6,040 2,464 10,658 5,327 59,816 786 87,131 Doubtful — — 1 — — 24 — 25 Total commercial owner occupied $ 277,069 $ 1,247,211 $ 794,099 $ 854,134 $ 553,709 $ 1,544,599 $ 75,762 $ 5,346,583 Commercial and industrial Risk rating: Pass $ 210,266 $ 1,299,047 $ 652,273 $ 384,480 $ 287,788 $ 459,668 $ 1,181,161 $ 4,474,683 Special mention 268 3,068 741 5,192 2,061 8,374 10,254 29,958 Substandard 488 451 6,446 12,189 15,122 7,713 19,558 61,967 Doubtful — — — 5 3 24 1 33 Total commercial and industrial $ 211,022 $ 1,302,566 $ 659,460 $ 401,866 $ 304,974 $ 475,779 $ 1,210,974 $ 4,566,641 Other income producing property Risk rating: Pass $ 32,022 $ 104,526 $ 69,075 $ 56,526 $ 64,745 $ 171,033 $ 59,947 $ 557,874 Special mention 258 1,460 1,579 1,073 200 9,940 89 14,599 Substandard 447 1,219 465 442 2,195 13,767 240 18,775 Doubtful — — — — — 5 — 5 Total other income producing property $ 32,727 $ 107,205 $ 71,119 $ 58,041 $ 67,140 $ 194,745 $ 60,276 $ 591,253 Consumer owner occupied Risk rating: Pass $ 392 $ 3,456 $ 2,637 $ 1,051 $ 81 $ 582 $ 17,371 $ 25,570 Special mention 505 1,208 175 1,946 — 1 6 3,841 Substandard — 99 15 236 — 221 — 571 Doubtful — — — — — 145 — 145 Total Consumer owner occupied $ 897 $ 4,763 $ 2,827 $ 3,233 $ 81 $ 949 $ 17,377 $ 30,127 Other loans Risk rating: Pass $ 11,977 $ — $ — $ — $ — $ — $ — $ 11,977 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 11,977 $ — $ — $ — $ — $ — $ — $ 11,977 Total Commercial Loans Risk rating: Pass $ 1,131,745 $ 5,232,670 $ 2,687,226 $ 2,582,187 $ 1,643,084 $ 4,008,262 $ 1,546,707 $ 18,831,881 Special mention 12,635 32,717 21,397 44,497 53,566 221,194 10,812 396,818 Substandard 3,723 33,799 9,707 90,256 53,337 164,741 22,721 378,284 Doubtful — 1 1 86 3 205 1 297 Total Commercial Loans $ 1,148,103 $ 5,299,187 $ 2,718,331 $ 2,717,026 $ 1,749,990 $ 4,394,402 $ 1,580,241 $ 19,607,280 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Construction and land development Risk rating: Pass $ 570,166 $ 360,488 $ 206,586 $ 38,866 $ 24,728 $ 49,321 $ 76,680 $ 1,326,835 Special mention 2,347 3,067 186 — 1,557 1,715 487 9,359 Substandard 960 210 2,304 326 543 2,209 — 6,552 Doubtful 1 — — — — 8 — 9 Total Construction and land development $ 573,474 $ 363,765 $ 209,076 $ 39,192 $ 26,828 $ 53,253 $ 77,167 $ 1,342,755 Commercial non-owner occupied Risk rating: Pass $ 1,812,512 $ 798,171 $ 1,061,021 $ 676,803 $ 494,618 $ 1,371,729 $ 102,763 $ 6,317,617 Special mention 16,683 12,985 14,138 36,875 25,729 110,109 — 216,519 Substandard 23,035 160 64,408 23,346 31,952 56,477 2,139 201,517 Doubtful — — — — — 46 — 46 Total Commercial non-owner occupied $ 1,852,230 $ 811,316 $ 1,139,567 $ 737,024 $ 552,299 $ 1,538,361 $ 104,902 $ 6,735,699 Commercial Owner Occupied Risk rating: Pass $ 1,182,722 $ 780,339 $ 801,162 $ 549,642 $ 428,163 $ 980,701 $ 69,739 $ 4,792,468 Special mention 9,152 4,257 7,331 10,860 22,792 49,083 115 103,590 Substandard 7,375 2,907 8,587 2,053 18,600 34,431 80 74,033 Doubtful — 1 — — — 24 — 25 Total commercial owner occupied $ 1,199,249 $ 787,504 $ 817,080 $ 562,555 $ 469,555 $ 1,064,239 $ 69,934 $ 4,970,116 Commercial and industrial Risk rating: Pass $ 1,198,849 $ 618,676 $ 360,551 $ 267,772 $ 178,538 $ 219,339 $ 860,134 $ 3,703,859 Special mention 2,759 1,519 2,434 1,268 3,224 3,871 3,281 18,356 Substandard 738 5,965 8,212 2,653 3,438 5,183 12,701 38,890 Doubtful — — 5 3 2 16 2 28 Total commercial and industrial $ 1,202,346 $ 626,160 $ 371,202 $ 271,696 $ 185,202 $ 228,409 $ 876,118 $ 3,761,133 Other income producing property Risk rating: Pass $ 105,533 $ 73,583 $ 67,173 $ 76,971 $ 56,343 $ 142,183 $ 56,190 $ 577,976 Special mention 1,580 1,851 1,063 232 1,381 13,526 424 20,057 Substandard 1,304 482 298 166 787 12,531 46 15,614 Doubtful — — — — — 6 — 6 Total other income producing property $ 108,417 $ 75,916 $ 68,534 $ 77,369 $ 58,511 $ 168,246 $ 56,660 $ 613,653 Consumer owner occupied Risk rating: Pass $ 3,513 $ 2,874 $ 1,099 $ 85 $ 139 $ 820 $ 16,977 $ 25,507 Special mention 1,219 180 2,430 81 — 3 — 3,913 Substandard — 16 238 — — 223 — 477 Doubtful — — — 1 — 145 — 146 Total Consumer owner occupied $ 4,732 $ 3,070 $ 3,767 $ 167 $ 139 $ 1,191 $ 16,977 $ 30,043 Other loans Risk rating: Pass $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Total Commercial Loans Risk rating: Pass $ 4,896,878 $ 2,634,131 $ 2,497,592 $ 1,610,139 $ 1,182,529 $ 2,764,093 $ 1,182,483 $ 16,767,845 Special mention 33,740 23,859 27,582 49,316 54,683 178,307 4,307 371,794 Substandard 33,412 9,740 84,047 28,544 55,320 111,054 14,966 337,083 Doubtful 1 1 5 4 2 245 2 260 Total Commercial Loans $ 4,964,031 $ 2,667,731 $ 2,609,226 $ 1,688,003 $ 1,292,534 $ 3,053,699 $ 1,201,758 $ 17,476,982 For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year as of March 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of March 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Consumer owner occupied Days past due: Current $ 357,337 $ 1,197,029 $ 660,950 $ 376,955 $ 229,942 $ 948,311 $ 66 $ 3,770,590 30 days past due — 241 750 564 206 1,531 — 3,292 60 days past due — — — — 129 786 — 915 90 days past due — 234 642 975 808 5,580 — 8,239 Total Consumer owner occupied $ 357,337 $ 1,197,504 $ 662,342 $ 378,494 $ 231,085 $ 956,208 $ 66 $ 3,783,036 Home equity loans Days past due: Current $ 1,388 $ 6,287 $ 4,538 $ 3,889 $ 2,283 $ 25,090 $ 1,127,814 $ 1,171,289 30 days past due — 5 72 — — 280 1,515 1,872 60 days past due — 117 — 112 — 118 80 427 90 days past due — 75 40 25 — 1,663 182 1,985 Total Home equity loans $ 1,388 $ 6,484 $ 4,650 $ 4,026 $ 2,283 $ 27,151 $ 1,129,591 $ 1,175,573 Consumer Days past due: Current $ 203,365 $ 383,890 $ 162,172 $ 114,271 $ 62,668 $ 177,289 $ 40,100 $ 1,143,755 30 days past due — 12,622 830 46 115 1,171 549 15,333 60 days past due — 5,953 465 13 12 379 177 6,999 90 days past due — 69 84 114 115 1,218 33 1,633 Total consumer $ 203,365 $ 402,534 $ 163,551 $ 114,444 $ 62,910 $ 180,057 $ 40,859 $ 1,167,720 Construction and land development Days past due: Current $ 58,048 $ 479,616 $ 141,951 $ 24,361 $ 9,745 $ 19,470 $ 162 $ 733,353 30 days past due — 2 — — — 1 — 3 60 days past due — — 371 — — — — 371 90 days past due — — — — — 2 — 2 Total Construction and land development $ 58,048 $ 479,618 $ 142,322 $ 24,361 $ 9,745 $ 19,473 $ 162 $ 733,729 Other income producing property Days past due: Current $ 9,101 $ 22,809 $ 5,360 $ 4,073 $ 4,755 $ 41,108 $ 1,422 $ 88,628 30 days past due — — — — — 335 — 335 60 days past due — — — — — — — — 90 days past due — — — — — 126 — 126 Total other income producing property $ 9,101 $ 22,809 $ 5,360 $ 4,073 $ 4,755 $ 41,569 $ 1,422 $ 89,089 Total Consumer Loans Days past due: Current $ 629,239 $ 2,089,631 $ 974,971 $ 523,549 $ 309,393 $ 1,211,268 $ 1,169,564 $ 6,907,615 30 days past due — 12,870 1,652 610 321 3,318 2,064 20,835 60 days past due — 6,070 836 125 141 1,283 257 8,712 90 days past due — 378 766 1,114 923 8,589 215 11,985 Total Consumer Loans $ 629,239 $ 2,108,949 $ 978,225 $ 525,398 $ 310,778 $ 1,224,458 $ 1,172,100 $ 6,949,147 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of March 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Total Loans $ 1,777,342 $ 7,408,136 $ 3,696,556 $ 3,242,424 $ 2,060,768 $ 5,618,860 $ 2,752,341 $ 26,556,427 The following table presents the credit risk profile by past due status of consumer loans by origination year as of March 31, 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,192,449 $ 710,828 $ 405,138 $ 246,487 $ 228,876 $ 810,605 $ 4 $ 3,594,387 30 days past due 354 666 234 472 1,068 2,230 — 5,024 60 days past due — 330 218 254 111 928 — 1,841 90 days past due 235 574 691 549 274 4,746 — 7,069 Total Consumer owner occupied $ 1,193,038 $ 712,398 $ 406,281 $ 247,762 $ 230,329 $ 818,509 $ 4 $ 3,608,321 Home equity loans Days past due: Current $ 7,128 $ 5,648 $ 4,745 $ 2,180 $ 993 $ 24,716 $ 1,116,621 $ 1,162,031 30 days past due 6 49 68 71 24 491 2,200 2,909 60 days past due — — — — — 603 339 942 90 days past due 75 65 172 180 22 1,548 650 2,712 Total Home equity loans $ 7,209 $ 5,762 $ 4,985 $ 2,431 $ 1,039 $ 27,358 $ 1,119,810 $ 1,168,594 Consumer Days past due: Current $ 314,475 $ 169,443 $ 127,757 $ 69,892 $ 36,304 $ 151,948 $ 29,168 $ 898,987 30 days past due 229 364 208 191 132 1,570 137 2,831 60 days past due 145 82 90 124 90 658 17 1,206 90 days past due 74 121 181 109 29 1,119 — 1,633 Total consumer $ 314,923 $ 170,010 $ 128,236 $ 70,316 $ 36,555 $ 155,295 $ 29,322 $ 904,657 Construction and land development Days past due: Current $ 411,728 $ 204,368 $ 33,965 $ 13,429 $ 8,484 $ 14,185 $ 162 $ 686,321 30 days past due — 24 — — — — — 24 60 days past due — — — — — 12 — 12 90 days past due — — — — — 104 — 104 Total Construction and land development $ 411,728 $ 204,392 $ 33,965 $ 13,429 $ 8,484 $ 14,301 $ 162 $ 686,461 Other income producing property Days past due: Current $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,575 $ 1,379 $ 82,891 30 days past due — — — — — 90 — 90 60 days past due — — — — — 156 — 156 90 days past due — — — — — 14 — 14 Total other income producing property $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,835 $ 1,379 $ 83,151 Total Consumer Loans Days past due: Current $ 1,947,911 $ 1,095,907 $ 576,511 $ 336,965 $ 280,960 $ 1,039,029 $ 1,147,334 $ 6,424,617 30 days past due 589 1,103 510 734 1,224 4,381 2,337 10,878 60 days past due 145 412 308 378 201 2,357 356 4,157 90 days past due 384 760 1,044 838 325 7,531 650 11,532 Total Consumer Loans $ 1,949,029 $ 1,098,182 $ 578,373 $ 338,915 $ 282,710 $ 1,053,298 $ 1,150,677 $ 6,451,184 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Total Loans $ 6,913,060 $ 3,765,913 $ 3,187,599 $ 2,026,918 $ 1,575,244 $ 4,106,997 $ 2,352,435 $ 23,928,166 The following table presents an aging analysis of past due accruing loans, segregated by class. 30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans March 31, 2022 Construction and land development $ 765 $ 1,721 $ 25 $ 2,511 $ 2,312,463 $ 1,339 $ 2,316,313 Commercial non-owner occupied 5,488 1,251 9,793 16,532 7,442,210 19,373 7,478,115 Commercial owner occupied 4,357 4,515 2,547 11,419 5,319,799 15,365 5,346,583 Consumer owner occupied 3,060 312 — 3,372 3,791,711 18,080 3,813,163 Home equity loans 1,339 217 — 1,556 1,167,547 6,470 1,175,573 Commercial and industrial 20,528 12,035 22,984 55,547 4,501,169 9,925 4,566,641 Other income producing property 1,543 2,400 236 4,179 671,254 4,909 680,342 Consumer 15,074 6,866 1 21,941 1,142,391 3,388 1,167,720 Other loans — — — — 11,977 — 11,977 $ 52,154 $ 29,317 $ 35,586 $ 117,057 $ 26,360,521 $ 78,849 $ 26,556,427 December 31, 2021 Construction and land development $ 1,176 $ 59 $ 43 $ 1,278 $ 2,026,371 $ 1,567 $ 2,029,216 Commercial non-owner occupied 3,591 2,110 96 5,797 6,709,993 19,909 6,735,699 Commercial owner occupied 2,756 1,732 626 5,114 4,950,470 14,532 4,970,116 Consumer owner occupied 4,046 533 — 4,579 3,615,602 18,183 3,638,364 Home equity loans 2,565 913 — 3,478 1,158,861 6,255 1,168,594 Commercial and industrial 50,451 26,639 3,991 81,081 3,672,611 7,441 3,761,133 Other income producing property 879 424 106 1,409 691,320 4,075 696,804 Consumer 2,672 840 1 3,513 897,688 3,456 904,657 Other loans — — — — 23,583 — 23,583 $ 68,136 $ 33,250 $ 4,863 $ 106,249 $ 23,746,499 $ 75,418 $ 23,928,166 The following table is a summary of information pertaining to nonaccrual loans by class, including restructured loans. March 31, Greater than Non-accrual December 31, (Dollars in thousands) 2022 90 Days Accruing (1) with no allowance (1) 2021 Construction and land development $ 1,339 $ 25 $ 15 $ 1,567 Commercial non-owner occupied 19,373 9,793 9,432 19,909 Commercial owner occupied real estate 15,365 2,547 6,474 14,532 Consumer owner occupied 18,080 — — 18,183 Home equity loans 6,470 — 48 6,255 Commercial and industrial 9,925 22,984 423 7,441 Other income producing property 4,909 236 892 4,075 Consumer 3,388 1 — 3,456 Total loans on nonaccrual status $ 78,849 $ 35,586 $ 17,284 $ 75,418 (1) – Greater than 90 days accruing and non-accrual with no allowance loans at March 31, 2022. There is no interest income recognized during the period on nonaccrual loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Loans on nonaccrual status in which there is no allowance assigned are individually evaluated loans that do not carry a specific reserve. See Note 2 Summary of Significant Accounting Policies for further detailed on individually evaluated loans. The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: March 31, Collateral December 31, Collateral (Dollars in thousands) 2022 Coverage % 2021 Coverage % Commercial owner occupied real estate Church $ — $ — $ 1,953 $ 2,308 118% Other 4,556 4,643 102% 4,656 12,200 262% Commercial non-owner occupied real estate Hotel — — 1,822 4,100 225% Other 6,823 9,810 144% 6,949 9,630 139% Total collateral dependent loans $ 11,379 $ 14,453 $ 15,380 $ 28,238 The Bank designates individually evaluated loans (excluding TDRs) on non-accrual with a net book balance exceeding the designated threshold as collateral dependent loans. Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining ACL. Under ASC 326-20-35-6, the Bank has adopted the collateral maintenance practical expedient to measure the ACL based on the fair value of collateral. The ACL is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for selling costs, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required. During the second quarter of 2020, the Bank increased the threshold limit for loans individually evaluated from million. The significant changes above in collateral percentage are due to appraisal value updates or changes in the number of loans within the asset class and collateral type. Overall collateral dependent loans decreased In the course of resolving delinquent loans, the Bank may choose to restructure the contractual terms of certain loans. Any loans that are modified are reviewed by the Bank to determine if a TDR, sometimes referred to herein as a restructured loan, has occurred. The Bank designates loan modifications as TDRs when it grants a concession to a borrower that it would not otherwise consider due to the borrower experiencing financial difficulty (FASB ASC Topic 310-40). The concessions granted on TDRs generally include terms to reduce the interest rate, extend the term of the debt obligation, or modify the payment structure on the debt obligation. See Note 2 Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of concession are initially classified as accruing TDRs if the note is reasonably assured of repayment and performance is expected in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the concession date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accruing status when there is economic substance to the restructuring, there is documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated sustained repayment performance in accordance with the modified terms for a reasonable period of time (generally a minimum of six months). The Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic if the concession met the criteria stipulated in the CARES Act. Details in regards to the Company’s implemented loan modification programs in response to the COVID-19 pandemic under the CARES Act is disclosed under the Note 2 – Summary of Significant Accounting Policies. The following table presents loans designated as TDRs segregated by class and type of concession that were restructured during the quarter ended March 31, 2022 and 2021. Three Months Ended March 31, 2022 2021 Pre-Modification Post-Modification Pre-Modification Post-Modification Number Amortized Amortized Number Amortized Amortized (Dollars in thousands) of loans Cost Cost of loans Cost Cost Interest rate modification Construction and land development 1 $ 120 $ 120 — $ — $ — Commercial non-owner occupied 1 187 187 — — — Commercial owner occupied 2 268 268 — — — Consumer owner occupied 1 99 99 — — — Commercial and industrial 4 497 497 — — — Other income producing property 2 119 119 1 298 298 Total interest rate modifications 11 $ 1,290 $ 1,290 1 $ 298 $ 298 Term modification Construction and land development 1 141 141 — $ — $ — Commercial non-owner occupied — $ — $ — — — — Commercial owner occupied 2 2,356 2,356 — — — Consumer owner occupied — — — — — — Home equity loans — — — — — — Commercial and industrial — — — 1 40 40 Other income producing

Allowance for Credit Losses (AC

Allowance for Credit Losses (ACL)	3 Months Ended
Allowance for Credit Losses (ACL)	Mar. 31, 2022
Allowance for Credit Losses (ACL)
Allowance for Credit Losses (ACL)	Note 7 — Allowance for Credit Losses (ACL) See Note 2 — Summary of Significant Accounting Policies in this Quarterly Report on Form 10-Q for further detailed descriptions of our estimation process and methodology related to the allowance for credit losses. The following table presents a disaggregated analysis of activity in the allowance for credit losses as follows: Residential Residential Residential Other CRE Owner Non-Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction C&D Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Three Months Ended March 31, 2022 Allowance for credit losses: Balance at end of period December 31, 2021 $ 47,036 611 13,325 4,997 37,593 23,149 4,921 565 61,794 79,649 28,167 $ 301,807 Initial Allowance for PCD loans acquired during period 84 — — — 86 — — — 1,479 — 7,569 9,218 Initial Allowance for Non PCD loans acquired during period 352 26 132 2 1,887 51 426 — 2,519 2,697 5,605 13,697 Charge-offs (58) (19) (218) — (4) (2,661) — — (371) — (2,159) (5,490) Recoveries 394 55 257 3 234 532 — — 314 69 1,309 3,167 Net (charge offs) recoveries 336 36 39 3 230 (2,129) — — (57) 69 (850) (2,323) (Recovery) provision (1) (1,806) (87) 175 614 (14,438) 828 (1,444) 42 (16,641) 13,945 (3,191) (22,003) Balance at end of period March 31, 2022 $ 46,002 $ 586 $ 13,671 $ 5,616 $ 25,358 $ 21,899 $ 3,903 $ 607 $ 49,094 $ 96,360 $ 37,300 $ 300,396 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 45,805 $ 586 $ 12,301 $ 5,616 $ 24,770 $ 21,899 $ 3,903 $ 607 $ 45,302 $ 95,051 $ 32,476 $ 288,316 Individually evaluated 168 — 1,357 — 588 — — — 2,960 — 3,358 8,431 Total quantitative allowance 45,973 586 13,658 5,616 25,358 21,899 3,903 607 48,262 95,051 35,834 296,747 Qualitative allowance 29 — 13 — — — — — 832 1,309 1,466 3,649 Balance at end of period March 31, 2022 $ 46,002 $ 586 $ 13,671 $ 5,616 $ 25,358 $ 21,899 $ 3,903 $ 607 $ 49,094 $ 96,360 $ 37,300 $ 300,396 Three Months Ended March 31, 2021 Allowance for loan losses: Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 Charge-offs (120) — (169) — (10) (2,149) — — (27) (194) (705) (3,374) Recoveries 428 33 417 1 201 510 — — 333 321 1,151 3,395 Net (charge offs) recoveries 308 33 248 1 191 (1,639) — — 306 127 446 21 Provision (recovery) (1) (827) (81) (943) (1,023) (12,051) 2,960 (2,003) 34 (6,750) (16,989) (13,197) (50,870) Balance at end of period March 31, 2021 $ 63,042 $ 1,190 $ 16,003 $ 3,892 $ 55,337 $ 27,883 $ 5,884 $ 1,544 $ 90,660 $ 107,559 $ 33,466 $ 406,460 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 55,336 $ 1,190 $ 14,210 $ 3,830 $ 55,234 $ 21,334 $ 5,884 $ 817 $ 83,115 $ 100,267 $ 26,673 $ 367,890 Individually evaluated 378 — 165 — 103 — — — 3,315 35 399 4,395 Total quantitative allowance 55,714 1,190 14,375 3,830 55,337 21,334 5,884 817 86,430 100,302 27,072 372,285 Qualitative allowance 7,328 — 1,628 62 — 6,549 — 727 4,230 7,257 6,394 34,175 Balance at end of period March 31, 2021 $ 63,042 $ 1,190 $ 16,003 $ 3,892 $ 55,337 $ 27,883 $ 5,884 $ 1,544 $ 90,660 $ 107,559 $ 33,466 $ 406,460 (1) A negative provision (recovery) for credit losses of ($142,000) , net of the provision for $3.4 million recorded for the unfunded commitments acquired from ACBI, was recorded during the first quarter of 2022, compared to a negative provision (recovery) for credit losses of $7.5 million recorded during the first quarter of 2021 for the allowance for credit losses for unfunded commitments that is not included in the above table.

Other Real Estate Owned and Ban

Other Real Estate Owned and Bank Premises Held for Sale	3 Months Ended
Other Real Estate Owned and Bank Premises Held for Sale	Mar. 31, 2022
Other Real Estate Owned and Bank Premises Held for Sale
Other Real Estate Owned and Bank Premises Held for Sale	Note 8 — Other Real Estate Owned and Bank Premises Held for Sale The following is a summary of information pertaining to OREO and Bank Premises Held for Sale: (Dollars in thousands) OREO Bank Premises Held For Sale Total Balance, December 31, 2021 $ 2,736 $ 9,578 $ 12,314 Additions, net 1,151 1,260 2,411 Write-downs (67) (128) (195) Sold (530) (4,293) (4,823) Balance, March 31, 2022 $ 3,290 $ 6,417 $ 9,707 At March 31, 2022, there were a total of 15 properties included in OREO 31, 2021. At March 31, 2022, there were a total of 8 properties included in bank premises held for sale which compares to 9 properties included in premises held for sale, at December 31, 2021. At March 31, 2022, we had $717,000 in residential real estate included in OREO and $4.6 million in residential real estate consumer mortgage loans in the process of foreclosure.

Leases

Leases	3 Months Ended
Leases	Mar. 31, 2022
Leases
Leases	Note 9 — Leases As of March 31, 2022 and December 31, 2021, we had operating right-of-use (“ROU”) assets of $118.4 million and $110.3 million, respectively, and operating lease liabilities of $125.9 million and $115.9 million, respectively. We maintain operating leases on land and buildings for some of our operating centers, branch facilities and ATM locations. Most leases include one or more . The exercise of renewal options is based on the sole judgment of management and what they consider to be reasonably certain given the environment today. Factors in determining whether an option is reasonably certain of exercise include, but are not limited to, the value of leasehold improvements, the value of renewal rate compared to market rates, and the presence of factors that would cause a significant economic penalty to us if the option is not exercised. Leases with an initial term of 12 months or less are not recorded on the balance sheet and instead are recognized in lease expense on a straight-line basis over the lease term. The Company also holds a small number of finance leases assumed in connection to the CSFL merger. These leases are all real estate leases. Terms and conditions are similar to those real estate operating leases described above. Lease classifications from the acquired institutions were retained. Three Months Ended (Dollars in thousands) March 31, 2022 2021 Lease Cost Components: Amortization of ROU assets - finance leases $ 117 $ 117 Interest on lease liabilities - finance leases 13 15 Operating lease cost (cost resulting from lease payments) 4,333 4,343 Short-term lease cost 143 135 Variable lease cost (cost excluded from lease payments) 437 648 Total lease cost $ 5,043 $ 5,258 Supplemental Cash Flow and Other Information Related to Leases: Finance lease - operating cash flows $ 13 $ 15 Finance lease - financing cash flows 108 106 Operating lease - operating cash flows (fixed payments) 4,181 4,140 Operating lease - operating cash flows (net change asset/liability) (3,303) (3,220) New ROU assets - operating leases 12,428 1,298 New ROU assets - finance leases — — Weighted - average remaining lease term (years) - finance leases 6.17 7.16 Weighted - average remaining lease term (years) - operating leases 10.47 11.30 Weighted - average discount rate - finance leases 1.7% 1.7% Weighted - average discount rate - operating leases 3.0% 3.3% Operating lease payments due: 2022 (excluding the quarter ended March 31, 2022) $ 12,844 2023 16,367 2024 14,987 2025 13,559 2026 12,997 Thereafter 79,262 Total undiscounted cash flows 150,016 Discount on cash flows (24,097) Total operating lease liabilities $ 125,919 As of March 31, 2022, we determined that the number and dollar amount of our equipment leases was immaterial. As of March 31, 2022, we have additional operating leases that have not yet commenced.

Deposits

Deposits	3 Months Ended
Deposits	Mar. 31, 2022
Deposits
Deposits	Note 10 — Deposits Our total deposits are comprised of the following: March 31, December 31, (Dollars in thousands) 2022 2021 Non-interest bearing checking $ 14,052,332 $ 11,498,840 Interest-bearing checking 9,275,208 9,018,987 Savings 3,479,743 3,350,547 Money market 9,140,005 8,376,380 Time deposits 2,828,542 2,810,075 Total deposits $ 38,775,830 $ 35,054,829 At March 31, 2022 and December 31, 2021, we had $576.5 million and $603.2 million in certificates of deposits of $250,000 and greater, respectively. At March 31, 2022 and December 31, 2021, the Company held $150.1 million and $325.0 in traditional, out-of-market brokered deposits, respectively.

Retirement Plans

Retirement Plans	3 Months Ended
Retirement Plans	Mar. 31, 2022
Retirement Plans
Retirement Plans	Note 11 — Retirement Plans The Company sponsors an employees’ savings plan under the provisions of the Internal Revenue Code Section 401(k). Electing employees are eligible to participate in the employees’ savings plan after attaining age 21 . Plan participants elect to contribute portions of their annual base compensation as a before tax contribution. Employer contributions may be made from current or accumulated net profits. Participants may elect to contribute 1% to 50 % of annual base compensation as a before tax contribution. Employees participating in the plan received a 100% match of their 401(k) plan contribution from the Company, up to 4 % of their salary. The employees were also eligible for an additional 2 % discretionary matching contribution contingent upon certain of our annual financial goals which would be paid in the first quarter of the following year. Based on our financial performance in 2021, we did not pay a discretionary matching contribution in the first quarter of 2022. Currently, we expect the same terms in the employees’ savings plan for 2022. As a result of the recent ACBI acquisition, all former ACBI employees became eligible to participate in the Company’s 401(k) plan as of legal close in March 2022. We expensed $4.0 million for the three months ended March 31, 2022 and Employees can enter the savings plan on or after the first day of each month. The employee may enter into a salary deferral agreement at any time to select an alternative deferral amount or to elect not to defer in the plan. If the employee does not elect an investment allocation, the plan administrator will select a retirement-based portfolio according to the employee’s number of years until normal retirement age. The plan’s investment valuations are generally provided on a daily basis.

Earnings Per Share

Earnings Per Share	3 Months Ended
Earnings Per Share	Mar. 31, 2022
Earnings Per Common Share
Earnings Per Share	Note 12 — Earnings Per Share Basic earnings per share is calculated by dividing net income by the weighted-average shares of common stock outstanding during each period, excluding non-vested restricted shares. Our diluted earnings per share is based on the weighted-average shares of common stock outstanding during each period plus the maximum dilutive effect of common stock issuable upon exercise of stock options or vesting of restricted stock units. Stock options and unvested restricted stock units are considered common stock equivalents and are only included in the calculation of diluted earnings per common share when their effect is dilutive. The following table sets forth the computation of basic and diluted earnings per common share: Three Months Ended March 31, (Dollars and shares in thousands, except for per share amounts) 2022 2021 Basic earnings per common share: Net income $ 100,329 $ 146,949 Weighted-average basic common shares 71,447 71,009 Basic earnings per common share $ 1.40 $ 2.07 Diluted earnings per common share: Net income $ 100,329 $ 146,949 Weighted-average basic common shares 71,447 71,009 Effect of dilutive securities 664 475 Weighted-average dilutive shares 72,111 71,484 Diluted earnings per common share $ 1.39 $ 2.06 The calculation of diluted earnings per common share excludes outstanding stock options for which the results would have been anti-dilutive under the treasury stock method as follows: Three Months Ended March 31, (Dollars in thousands) 2022 2021 Number of shares 57,169 62,235 Range of exercise prices $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation

Share-Based Compensation	3 Months Ended
Share-Based Compensation	Mar. 31, 2022
Share-Based Compensation
Share-Based Compensation	Note 13 — Share-Based Compensation Our 2004, 2012, 2019 and 2020 share-based compensation plans are long-term retention plans intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options, restricted stock, and restricted stock units (“RSUs”). Our 2020 plan was adopted by our shareholders at our annual meeting on October 29, 2020. The Company also assumed the obligations of ACBI under various equity incentive plans pursuant to the acquisition of ACBI on March 1, 2022. Stock Options With the exception of non-qualified stock options granted to directors under the 2004 and 2012 plans, which in some cases may be exercised at any time prior to expiration and in some other cases may be exercised at intervals less than a year following the grant date, incentive stock options granted under our 2004, 2012, 2019 and 2020 plans may not be exercised in whole or in part within a year following the date of the grant, as these incentive stock options become exercisable in 25% increments pro ratably over the four-year period following the grant date. The options are granted at an exercise price at least equal to the fair value of the common stock at the date of grant and expire ten years from the date of grant. No options were granted under the 2004 , 2012 or 2019 plans after January 26, 2012, February 1, 2019, and October 29, 2020, respectively, and the plans are closed other than for any options still unexercised and outstanding. The 2020 plan is the only plan from which new share-based compensation grants may be issued. It is the Company’s policy to grant options out of the 2,072,245 shares registered under the 2020 plan. Activity in the Company’s stock option plans is summarized in the following table. Weighted Weighted Average Aggregate Average Remaining Intrinsic Shares Price (Yrs.) (000's) Outstanding at January 1, 2022 185,125 $ 63.03 Assumed stock options and warrants from ACBI merger 23,410 40.73 Exercised (9,703) 42.25 Expired (14) 33.02 Outstanding at March 31, 2022 198,818 61.42 3.78 $ 4,554 Exercisable at March 31, 2022 198,818 61.42 3.78 $ 4,554 The fair value of options is estimated at the date of grant using the Black-Scholes option pricing model and expensed over the options’ vesting periods. There have been no stock options issued during the first three months of 2022. Because all outstanding stock options had vested as of December 31, 2021, there was no unrecognized compensation cost related to nonvested stock option grants under the plans or fair value of shares vested for the quarter ended March 31, 2022. The intrinsic value of stock option shares exercised for the three months ended March 31, 2022 was Restricted Stock We, from time-to-time, grant shares of restricted stock to key employees and non-employee directors. These awards help align the interests of these employees and directors with the interests of our shareholders by providing economic value directly related to increases in the value of our stock. The value of the stock awarded is established as the fair market value of the stock at the time of the grant. We recognize expenses, equal to the total value of such awards, ratably over the vesting period of the stock grants. Restricted stock grants to employees typically “cliff vest” after four years . Grants to non-employee directors typically vest within a 12-month period. All restricted stock agreements are conditioned upon continued employment, or service in the case of directors. Termination of employment prior to a vesting date, as described below, would terminate any interest in non-vested shares. Prior to vesting of the shares, as long as employed by the Company, the key employees and non-employee directors will have the right to vote such shares and to receive dividends paid with respect to such shares. All restricted shares will fully vest in the event of change in control of the Company or upon the death of the recipient. Nonvested restricted stock for 2022 is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2022 3,066 $ 67.31 Assumed restricted stock shares from ACBI merger 84,224 90.00 Vested (1,916) 90.00 Nonvested at March 31, 2022 85,374 $ 89.19 As of March 31, 2022, there was $5.7 million of total unrecognized compensation cost related to nonvested restricted stock granted under the plans. This cost is expected to be recognized over a weighted-average period of years as of March 31, 2022. The total fair value of shares vested during the three months ended March 31, 2022 was Restricted Stock Units (“RSUs”) We, from time-to-time, also grant performance RSUs and time-vested RSUs to key employees. These awards help align the interests of these employees with the interests of our shareholders by providing economic value directly related to our performance. Some performance RSU grants contain a three-year performance period while others contain a one to two-year performance period and a time-vested requirement (generally two to four years from the grant date). We communicate threshold, target, and maximum performance RSU awards and performance targets to the applicable key employees at the beginning of a performance period. Due to the merger with CSFL, all legacy and assumed performance based restricted stock units converted to a time-vesting requirement. With respect to some long-term incentive awards, dividend equivalents are accrued at the same rate as cash dividends paid for each share of the Company’s common stock during the performance or time-vested period, and subsequently paid when the shares are issued on the vesting or settlement date. The value of the RSUs awarded is established as the fair market value of the stock at the time of the grant. We recognize expenses on a straight-line basis typically over the performance and vesting/or time-vesting periods based upon the probable performance target, as applicable, that will be met. Outstanding RSUs for the three months ended March 31, 2022 is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2022 948,213 $ 67.01 Assumed restricted stock units from ACBI merger 55,736 87.94 Granted 282,952 83.50 Vested (128,302) 67.46 Forfeited (1,464) 87.88 Outstanding at March 31, 2022 1,157,135 $ 71.88 The nonvested shares of 1,157,135 at March 31, 2022 includes 55,246 shares that have fully vested but are subject to a two-year holding period, which commenced at the end of their respective vesting period. These vested shares will be released and issued into shares of common stock at the end of their respective two-year holding period, the last of which will end by March 31, 2024. As of March 31, 2022, there was $43.7 million of total unrecognized compensation cost related to nonvested RSUs granted under the plan. This cost is expected to be recognized over a weighted-average period of years as of March 31, 2022. The total fair value of RSUs vested and released during the three months ended March 31, 2022 was million.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	3 Months Ended
Commitments and Contingent Liabilities	Mar. 31, 2022
Commitments and Contingent Liabilities
Commitments and Contingent Liabilities	Note 14 — Commitments and Contingent Liabilities In the normal course of business, we make various commitments and incur certain contingent liabilities, which are not reflected in the accompanying financial statements. The commitments and contingent liabilities include guarantees, commitments to extend credit, and standby letters of credit. At March 31, 2022, commitments to extend credit and standby letters of credit totaled billion. million and recorded on the Balance Sheet. We have been named as defendant in various legal actions, arising from its normal business activities, in which damages in various amounts are claimed. We are also exposed to litigation risk related to the prior business activities of banks acquired through whole bank acquisitions. Although the amount of any ultimate liability with respect to such matters cannot be determined, in the opinion of Management,

Fair Value

Fair Value	3 Months Ended
Fair Value	Mar. 31, 2022
Fair Value.
Fair Value	Note 15 — Fair Value FASB ASC 820, Fair Value Measurements and Disclosures, defines fair value, establishes a framework for measuring fair value under accounting principles generally accepted in the United States, and enhances disclosures about fair value measurements. FASB ASC 820 clarifies that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Available for sale and trading securities, derivative contracts, mortgage loans held for sale, and mortgage servicing rights (“MSRs”) are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record at fair value other assets on a nonrecurring basis, such as impaired loans, OREO, bank properties held for sale, and certain other assets. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. FASB ASC Topic 820 establishes a three-tier fair value hierarchy which prioritizes the inputs used in measuring fair value as follows: Level 1 Observable inputs such as quoted prices in active markets; Level 2 Inputs, other than the quoted prices in active markets, that are observable either directly or indirectly; and Level 3 Unobservable inputs in which there is little or no market data, which require the reporting entity to develop its own assumptions. The following is a description of valuation methodologies used for assets recorded at fair value. Trading Securities The fair values of trading securities are determined as follows: (1) for those securities that have traded prior to the date of the consolidated balance sheet but have not settled (date of sale) until after such date, the sales price is used as the fair value; and, (2) for those securities which have not traded as of the date of the consolidated balance sheet, the fair value was determined by broker price indications of similar or same securities. Investment Securities Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange and The NASDAQ Stock Market. Level 2 securities include mortgage-backed securities and debentures issued by government agencies or sponsored entities, municipal bonds and corporate debt securities, or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of FHLB and FRB stock approximates fair value based on the redemption provisions. Mortgage Loans Held for Sale Mortgage loans held for sale are carried at fair value with changes in fair value recognized in current period earnings. The fair values of mortgage loans held for sale are based on commitments on hand from investors within the secondary market for loans with similar characteristics. As such, the fair value adjustments for mortgage loans held for sale are recurring Level 2. Loans We do not record loans at fair value on a recurring basis. However, from time to time, a loan may be individually evaluated for expected credit losses if it no longer shares similar risk characteristics with other pooled loans. Once a loan is identified as an individually evaluated loan, Management measures expected credit losses using estimated fair value methodologies. The fair value of the individually evaluated loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. Those individually evaluated loans not requiring an ACL represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At March 31, 2022, approximately three fourths of the individually evaluated loans were evaluated based on the fair value of the collateral because such loans were considered collateral dependent. Individually evaluated loans, where an allowance is established based on the fair value of collateral; require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, we consider the impaired loan as nonrecurring Level 2. When an appraised value is not available or Management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, we consider the individually evaluated loan as nonrecurring Level 3. Other Real Estate Owned (“OREO”) OREO, consisting of properties obtained through foreclosure or in satisfaction of loans, is typically reported at fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, and adjusted for estimated selling costs (Level 2). However, OREO is considered Level 3 in the fair value hierarchy because Management has qualitatively applied a discount due to the size, supply of inventory, and the incremental discounts applied to the appraisals. Management also considers other factors, including changes in absorption rates, length of time the property has been on the market and anticipated sales values, which have resulted in adjustments to the collateral value estimates indicated in certain appraisals. At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the ACL. Gains or losses on sale and generally any subsequent adjustments to the value are recorded as a component of OREO Expense and Loan Related Expense in the Condensed Consolidated Statements of Income. Bank Property Held for Sale Bank property held for sale consists of locations that Management has identified as no longer needed and reclassified from bank premises. These properties are typically reported at fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, and adjusted for estimated selling costs (Level 2). However, bank property held for sale is considered Level 3 in the fair value hierarchy because Management has qualitatively applied a discount due to the size, supply of inventory, restrictions and the incremental discounts applied to the appraisals. Management also considers other factors, including changes in absorption rates, length of time the property has been on the market and anticipated sales values, which have resulted in adjustments to the collateral value estimates indicated in certain appraisals. At the time a property is identified as held for sale, any excess of the book balance over the fair value of the real estate is treated as a charge against earnings. Gains or losses on sale and generally any subsequent write-downs to the value are recorded as a component in Other Expense in the Condensed Consolidated Statements of Income. Derivative Financial Instruments Fair value is estimated using pricing models of derivatives with similar characteristics or discounted cash flow models where future floating cash flows are projected and discounted back; and accordingly, these derivatives are classified within Level 2 of the fair value hierarchy. (See Note 17 — Derivative Financial Instruments for additional information). Mortgage Servicing Rights (“MSRs”) The estimated fair value of MSRs is obtained through an independent derivatives dealer analysis of future cash flows. The evaluation utilizes assumptions market participants would use in determining fair value including market discount rates, prepayment speeds, servicing income, servicing costs, default rates and other market driven data, as well as the market’s perception of future interest rate movements. MSRs are classified as Level 3. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) March 31, 2022: Assets Derivative financial instruments $ 412,815 $ — $ 412,815 $ — Loans held for sale 130,376 — 130,376 — Trading securities 74,234 — 74,234 — Securities available for sale: U.S. Treasuries 268,581 — 268,581 — U.S. Government agencies 179,942 — 179,942 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 2,013,904 — 2,013,904 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 694,705 — 694,705 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,151,860 — 1,151,860 — State and municipal obligations 1,127,697 — 1,127,697 — Small Business Administration loan-backed securities 457,357 — 457,357 — Corporate securities 30,160 — 30,160 — Total securities available for sale 5,924,206 — 5,924,206 — Mortgage servicing rights 83,339 — — 83,339 $ 6,624,970 $ — $ 6,541,631 $ 83,339 Liabilities Derivative financial instruments $ 412,168 $ — $ 412,168 $ — December 31, 2021: Assets Derivative financial instruments $ 414,742 $ — $ 414,742 $ — Loans held for sale 191,723 — 191,723 — Trading securities 77,689 — 77,689 — Securities available for sale: U.S. Government agencies 97,117 — 97,117 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,831,039 — 1,831,039 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 725,995 — 725,995 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,207,241 — 1,207,241 — State and municipal obligations 812,689 — 812,689 — Small Business Administration loan-backed securities 500,663 — 500,663 — Corporate securities 18,734 — 18,734 — Total securities available for sale 5,193,478 — 5,193,478 — Mortgage servicing rights 65,620 — — 65,620 $ 5,943,252 $ — $ 5,877,632 $ 65,620 Liabilities Derivative financial instruments $ 410,137 $ — $ 410,137 $ — Changes in Level 1, 2 and 3 Fair Value Measurements When a determination is made to classify a financial instrument within Level 3 of the valuation hierarchy, the determination is based upon the significance of the unobservable factors to the overall fair value measurement. However, since Level 3 financial instruments typically include, in addition to the unobservable or Level 3 components, observable components (that is, components that are actively quoted and can be validated to external sources), the gains and losses below include changes in fair value due in part to observable factors that are part of the valuation methodology. There were no changes in hierarchy classifications of Level 3 assets or liabilities for the three months ended March 31, 2022. A reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis for the three months ended March 31, 2022 is as follows: (Dollars in thousands) Assets Liabilities Fair value, January 1, 2022 $ 65,620 $ — Servicing assets that resulted from transfers of financial assets 7,122 — Changes in fair value due to valuation inputs or assumptions 12,827 — Changes in fair value due to decay (2,230) — Fair value , March 31, 2022 $ 83,339 $ — There were no unrealized losses included in accumulated other comprehensive income related to Level 3 financial assets and liabilities at March 31, 2022. Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) March 31, 2022: OREO $ 3,290 $ — $ — $ 3,290 Bank property held for sale 6,417 — — 6,417 Individually evaluated loans 4,527 — — 4,527 December 31, 2021: OREO $ 2,736 $ — $ — $ 2,736 Bank property held for sale 9,578 — — 9,578 Individually evaluated loans 20,802 — — 20,802 Quantitative Information about Level 3 Fair Value Measurement Weighted Average March 31, December 31, Valuation Technique Unobservable Input 2022 2021 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 13 % 9 % OREO and premises held for sale Discounted appraisals Collateral discounts and estimated costs to sell 19 % 24 % Fair Value of Financial Instruments We used the following methods and assumptions in estimating our fair value disclosures for financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those models are significantly affected by the assumptions used, including the discount rates and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The use of different methodologies may have a material effect on the estimated fair value amounts. The fair value estimates presented herein are based on pertinent information available to Management as of March 31, 2022 and December 31, 2021. Such amounts have not been revalued for purposes of these consolidated financial statements since those dates and, therefore, current estimates of fair value may differ significantly from the amounts presented herein. The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and Cash Equivalents Trading Securities The fair values of trading securities are determined as follows: (1) for those securities that have traded prior to the date of the consolidated balance sheet but have not settled (date of sale) until after such date, the sales price is used as the fair value; and, (2) for those securities which have not traded as of the date of the consolidated balance sheet, the fair value was determined by broker price indications of similar or same securities. Investment Securities — Securities available for sale are valued at quoted market prices or dealer quotes. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of FHLB and FRB stock approximates fair value based on the redemption provisions. The carrying value of our investment in unconsolidated subsidiaries approximates fair value. See Note 5 — Investment Securities for additional information, as well as page 34 regarding fair value. Loans held for sale Loans — The fair value of loans is based on an exit price. To estimate an exit price, all loans (fixed and variable) are being valued with a discounted cash flow analyses for loans that includes our estimate of future credit losses expected to be incurred over the life of the loans. Fair values for certain mortgage loans (e.g., one-to-four family residential) and other consumer loans are estimated using discounted cash flow analyses based on our current rates offered for new loans of the same type, structure and credit quality. Fair values for other loans (e.g., commercial real estate and investment property mortgage loans, commercial and industrial loans) are estimated using discounted cash flow analyses-using interest rates we currently offer for loans with similar terms to borrowers of similar credit quality. Fair values for non-performing loans are estimated using a discounted cash flow analysis. Deposit Liabilities — The fair values disclosed for demand deposits (e.g., interest and non-interest bearing checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The carrying amounts of variable-rate, fixed-term money market accounts, and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits. Federal Funds Purchased and Securities Sold Under Agreements to Repurchase Other Borrowings Accrued Interest Derivative Financial Instruments Commitments to Extend Credit, Standby Letters of Credit and Financial Guarantees — The fair values of commitments to extend credit are estimated taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of guarantees and letters of credit are based on fees currently charged for similar agreements or on the estimated costs to terminate them or otherwise settle the obligations with the counterparties at the reporting date. The estimated fair value, and related carrying amount, of our financial instruments are as follows: Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 March 31, 2022 Financial assets: Cash and cash equivalents $ 6,032,606 $ 6,032,606 $ 6,032,606 $ — $ — Trading securities 74,234 74,234 — 74,234 — Investment securities 8,931,233 8,733,959 179,258 8,554,701 — Loans held for sale 130,376 130,376 — 130,376 — Loans, net of allowance for credit losses 26,256,031 26,434,330 — — 26,434,330 Accrued interest receivable 106,396 106,396 — 25,425 80,971 Mortgage servicing rights 83,339 83,339 — — 83,339 Interest rate swap - non-designated hedge 408,434 408,434 — 408,434 — Other derivative financial instruments (mortgage banking related) 4,381 4,381 — 4,381 — Financial liabilities: Deposits 38,775,830 38,737,371 — 38,737,371 — Federal funds purchased and securities sold under agreements to repurchase 770,409 770,409 — 770,409 — Other borrowings 405,553 399,125 — 399,125 — Accrued interest payable 6,644 6,644 — 6,644 — Interest rate swap - non-designated hedge 409,084 409,084 — 409,084 — Other derivative financial instruments (mortgage banking related) 3,084 3,084 — 3,084 — Off balance sheet financial instruments: Commitments to extend credit — 63,247 — 63,247 — December 31, 2021 Financial assets: Cash and cash equivalents $ 6,843,147 $ 6,843,147 $ 6,843,147 $ — $ — Trading securities 77,689 77,689 — 77,689 — Investment securities 7,173,947 7,132,110 160,568 6,971,542 — Loans held for sale 191,723 191,723 — 191,723 — Loans, net of allowance for credit losses 23,626,359 23,921,372 — — 23,921,372 Accrued interest receivable 90,069 90,069 — 19,241 70,828 Mortgage servicing rights 65,620 65,620 — — 65,620 Interest rate swap - non-designated hedge 408,776 408,776 — 408,776 — Other derivative financial instruments (mortgage banking related) 5,966 5,966 — 5,966 — Financial liabilities: Deposits 35,054,829 35,050,516 — 35,050,516 — Federal funds purchased and securities sold under agreements to repurchase 781,239 781,239 — 781,239 — Other borrowings 327,066 334,640 — 334,640 — Accrued interest payable 3,345 3,345 — 3,345 — Interest rate swap - non-designated hedge 410,137 410,137 — 410,137 — Off balance sheet financial instruments: Commitments to extend credit — 93,501 — 93,501 —

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	3 Months Ended
Accumulated Other Comprehensive (Loss) Income	Mar. 31, 2022
Accumulated Other Comprehensive (Loss) Income
Accumulated Other Comprehensive (Loss) Income	Note 16 — Accumulated Other Comprehensive (Loss) Income The changes in each component of accumulated other comprehensive income, net of tax, were as follows: Unrealized Gains and Losses on Securities Benefit Available (Dollars in thousands) Plans for Sale Total Three Months Ended March 31, 2022 Balance at December 31, 2021 $ 57 $ (21,203) $ (21,146) Other comprehensive loss before reclassifications — (272,810) (272,810) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (272,810) (272,810) Balance at March 31, 2022 $ 57 $ (294,013) $ (293,956) Three Months Ended March 31, 2021 Balance at December 31, 2020 $ (151) $ 47,740 $ 47,589 Other comprehensive loss before reclassifications — (48,620) (48,620) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (48,620) (48,620) Balance at March 31, 2021 $ (151) $ (880) $ (1,031)

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
Derivative Financial Instruments	Mar. 31, 2022
Derivative Financial Instruments
Derivative Financial Instruments	Note 17 — Derivative Financial Instruments We use certain derivative instruments to meet the needs of customers as well as to manage the interest rate risk associated with certain transactions. The following table summarizes the derivative financial instruments utilized by the Company: March 31, 2022 December 31, 2021 Balance Sheet Notional Estimated Fair Value Notional Estimated Fair Value (Dollars in thousands) Location Amount Gain Loss Amount Gain Loss Fair value hedge of interest rate risk: Pay fixed rate swap with counterparty Other Liabilities $ 18,078 $ — $ 645 $ 15,716 $ — $ 1,355 Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 10,706,435 106,122 363,248 10,404,605 408,776 69,998 Matched interest rate swaps with counterparty Other Assets and Other Liabilities 10,704,249 302,885 45,763 10,402,394 — 338,784 Not designated hedges of interest rate risk - mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Assets and Other Liabilities 85,000 — 3,084 205,000 1,228 — Contracts used to hedge mortgage pipeline Other Assets 277,500 4,381 — 324,000 4,738 — Total derivatives $ 21,791,262 $ 413,388 $ 412,740 $ 21,351,715 $ 414,742 $ 410,137 Cash Flow Hedge of Interest Rate Risk The Company is exposed to interest rate risk in the course of its business operations and manages a portion of this risk through the use of derivative financial instruments, in the form of interest rate swaps. We account for interest rate swaps that are classified as cash flow hedges in accordance with FASB ASC 815, Derivatives and Hedging , which requires that all derivatives be recognized as assets or liabilities on the balance sheet at fair value. We had no cash flow hedges as of March 31, 2022 and December 31, 2021. For more information regarding the fair value of our derivative financial instruments, see Note 15 — Fair Value to these financial statements. For derivatives designated as hedging exposure to variable cash flows of a forecasted transaction (cash flow hedge), the derivative’s entire gain or loss is initially reported as a component of other comprehensive income and subsequently reclassified into earnings when the forecasted transaction affects earnings or when the hedge is terminated. For derivatives that are not designated as hedging instruments, changes in the fair value of the derivatives are recognized in earnings immediately. For designated hedging relationships, we have a third party perform retrospective and prospective effectiveness testing on a quarterly basis using quantitative methods to determine if the hedge is still highly effective. Hedge accounting ceases on transactions that are no longer deemed highly effective, or for which the derivative has been terminated or de-designated. Balance Sheet Fair Value Hedge As of March 31, 2022 and December 31, 2021, the Company maintained loan swaps, with an aggregate notional amount of $18.1 million and $15.7 million, respectively, accounted for as fair value hedges in accordance with ASC 815, Derivatives and Hedgin g. This derivative protects us from interest rate risk caused by changes in the LIBOR curve in relation to a certain designated fixed rate loan. The derivative converts the fixed rate loan to a floating rate. Settlement occurs in any given period where there is a difference in the stated fixed rate and variable rate and the difference is recorded in net interest income. The fair value of this hedge is recorded in either other assets or in other liabilities depending on the position of the hedge with the offset recorded in loans. There was a gain of $41,000 recorded on these derivatives for the quarter ended March 31, 2022. There was no gain or loss recorded on these derivatives for the quarter ended March 31, 2021. Non-designated Hedges of Interest Rate Risk Customer Swap We maintain interest rate swap contracts with customers that are classified as non-designated hedges and are not speculative in nature. These agreements are designed to convert customer’s variable rate loans with the Company to fixed rate. These interest rate swaps are executed with loan customers to facilitate a respective risk management strategy and allow the customer to pay a fixed rate of interest to the Company. These interest rate swaps are simultaneously hedged by executing offsetting interest rate swaps with unrelated market counterparties to minimize the net risk exposure to the Company resulting from the transactions and allow the Company to receive a variable rate of interest. The interest rate swaps pay and receive interest based on a floating rate based on one month LIBOR plus credit spread, with payments being calculated on the notional amount. The Company is in the process of implementing a plan to transition these interest rate swap contracts to a reference rate other than LIBOR. For discussion related to reference rate reform, please refer to Issued But Not Yet Adopted Accounting Standards within Note 2—Summary of Significant Accounting Policies. The interest rate swaps are settled monthly with varying maturities. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of March 31, 2022 and December 31, 2021, the interest rate swaps had an aggregate notional amount of approximately billion, respectively. At March 31, 2022 the fair value of the interest rate swap derivatives is recorded in other assets at . At December 31, 2021, the fair value of the interest rate swap derivatives was recorded in other assets at . Changes in the fair market value of these interest rate swaps is recorded through earnings. . We also provided $262.1 million in investment securities at market value as collateral on the customer swaps which is included in investment securities – available for sale. Counterparties provided $124.8 million of cash collateral to the Company to secure swap asset positions which is included in interest-bearing deposits (Liability) on the balance sheet. Foreign Exchange We also enter into foreign exchange contracts with customers to accommodate their need to convert certain foreign currencies into U.S. Dollars. To offset the foreign exchange risk, the Company has entered into substantially identical agreements with an unrelated market counterparty to hedge these foreign exchange contracts. At March 31, 2022 and December 31, 2021, there were no outstanding contracts or agreements related to foreign currency. If there were foreign currency contracts outstanding at March 31, 2022, the fair value of these contracts would be included in other assets and other liabilities in the accompanying balance sheet. All changes in fair value are recorded as other noninterest income. There was no gain or loss recorded related to the foreign exchange derivative for the three months ended March 31, 2022 and 2021. Mortgage Banking We also have derivatives contracts that are not classified as accounting hedges to mitigate risks related to the Company’s mortgage banking activities. These instruments may include financial forwards, futures contracts, and options written and purchased, which are used to hedge MSRs; while forward sales commitments are typically used to hedge the mortgage pipeline. Such instruments derive their cash flows, and therefore their values, by reference to an underlying instrument, index or referenced interest rate. The Company does not elect hedge accounting treatment for any of these derivative instruments and as a result, changes in fair value of the instruments (both gains and losses) are recorded in the Company’s consolidated statements of income in mortgage banking income. Mortgage Servicing Rights (“MSRs”) Derivatives contracts related to MSRs are used to help offset changes in fair value and are written in amounts referred to as notional amounts. Notional amounts provide a basis for calculating payments between counterparties but do not represent amounts to be exchanged between the parties and are not a measure of financial risk. On March 31, 2022, we had derivative financial instruments outstanding with notional amounts totaling $85.0 million related to MSRs, compared to $205.0 million on December 31, 2021. The estimated net fair value of the open contracts related to the MSRs was recorded as a loss of $3.1 million at March 31, 2022, Mortgage Pipeline The following table presents our notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage pipeline related to the held for sale portfolio. (Dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loan pipeline $ 263,976 $ 264,000 Expected closures 241,672 233,265 Fair value of mortgage loan pipeline commitments 256 4,759 Forward sales commitments 277,500 324,000 Fair value of forward commitments 4,124 (21)

Capital Ratios

Capital Ratios	3 Months Ended
Capital Ratios	Mar. 31, 2022
Capital Ratios
Capital Ratios	Note 18 — Capital Ratios We are subject to regulations with respect to certain risk-based capital ratios. These risk-based capital ratios measure the relationship of capital to a combination of balance sheet and off-balance sheet risks. The values of both balance sheet and off-balance sheet items are adjusted based on the rules to reflect categorical credit risk. In addition to the risk-based capital ratios, the regulatory agencies have also established a leverage ratio for assessing capital adequacy. The leverage ratio is equal to Tier 1 capital divided by total consolidated on-balance sheet assets (minus amounts deducted from Tier 1 capital). The leverage ratio does not involve assigning risk weights to assets. Under current regulations, the Company and the Bank are subject to a minimum ratio of common equity Tier 1 capital (“CET1”) to risk-weighted assets of 4.5%. and a minimum required ratio of Tier 1 capital to risk-weighted assets of 6 %. The minimum required leverage ratio is 4 %. The minimum required total capital to risk-weighted assets ratio is 8%. In order to avoid restrictions on capital distributions and discretionary bonus payments to executives, under the new rules a covered banking organization is also required to maintain a “capital conservation buffer” in addition to its minimum risk-based capital requirements. This buffer is required to consist solely of CET1, and the buffer applies to all three risk-based measurements (CET1, Tier 1 capital and total capital). The capital conservation buffer became fully phased-in on January 1, 2019 and consists of an additional amount of Tier 1 common equity equal to 2.5% of risk-weighted assets. The Bank is also subject to the regulatory framework for prompt corrective action, which identifies five capital categories for insured depository institutions (well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized) and is based on specified thresholds for each of the three risk-based regulatory capital ratios (CET1, Tier 1 capital and total capital) and for the leverage ratio. The following table presents actual and required capital ratios as of March 31, 2022 and December 31, 2021 for the Company and the Bank under the current capital rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations. Required to be Minimum Capital Considered Well Actual Required - Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio March 31, 2022: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,472,948 11.37 % $ 2,138,431 7.00 % $ 1,985,686 6.50 % SouthState Bank (the Bank) 3,773,163 12.37 % 2,134,908 7.00 % 1,982,415 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,472,948 11.37 % 2,596,666 8.50 % 2,443,921 8.00 % SouthState Bank (the Bank) 3,773,163 12.37 % 2,592,389 8.50 % 2,439,895 8.00 % Total capital to risk-weighted assets: Consolidated 4,064,615 13.31 % 3,207,647 10.50 % 3,054,902 10.00 % SouthState Bank (the Bank) 3,961,830 12.99 % 3,202,362 10.50 % 3,049,869 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,472,948 8.45 % 1,643,247 4.00 % 2,054,058 5.00 % SouthState Bank (the Bank) 3,773,163 9.19 % 1,642,556 4.00 % 2,053,196 5.00 % December 31, 2021: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,201,644 11.75 % $ 1,906,831 7.00 % $ 1,770,629 6.50 % SouthState Bank (the Bank) 3,431,069 12.62 % 1,902,954 7.00 % 1,767,029 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,201,644 11.75 % 2,315,438 8.50 % 2,179,236 8.00 % SouthState Bank (the Bank) 3,431,069 12.62 % 2,310,730 8.50 % 2,174,804 8.00 % Total capital to risk-weighted assets: Consolidated 3,692,674 13.56 % 2,860,247 10.50 % 2,724,045 10.00 % SouthState Bank (the Bank) 3,594,099 13.22 % 2,854,431 10.50 % 2,718,505 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,201,644 8.05 % 1,590,045 4.00 % 1,987,556 5.00 % SouthState Bank (the Bank) 3,431,069 8.65 % 1,587,212 4.00 % 1,984,015 5.00 % As of March 31, 2022 and December 31, 2021, the capital ratios of the Company and the Bank were well in excess of the minimum regulatory requirements and exceeded the thresholds for the “well capitalized” regulatory classification. In June 2016, the FASB issued ASU No. 2016-13 which required an entity to utilize a new impairment model known as the CECL model to estimate its lifetime “expected credit loss.” applied the provisions of the standard using the modified retrospective method as a cumulative-effect adjustment to retained earnings. million. Instead of recognizing the effects from ASU 2016-13 at adoption, the standard included a transitional method option for recognizing the Day 1 effects on the Company’s regulatory capital calculations over a three-year phase-in. In March 2020, in response to the COVID-19 pandemic, the regulatory agencies provided an additional transitional method option of a two-year deferral for the start of the three-year phase-in of the recognition of the adoption date effects of ASU 2016-13 along with an option to defer the current impact on regulatory capital calculations of ASU 2016-13 during the first two years (“5-year method”). Under this 5-year method, the Company would recognize an estimate of the previous incurred loss method for determining the allowance for credit losses in regulatory capital calculations and the difference from the CECL method would be deferred for two years. After two years, the effects from adoption date and the deferral difference from the first two years of applying CECL would be phased-in over three years using the straight-line method. The Company chose the 5-year method and is deferring the recognition of the effects from adoption date and the CECL difference from the first two years of application. This amount was fixed as of December 31, 2021, and that amount began the three-year phase out in the first quarter of 2022 with being phased out in 2022.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	3 Months Ended
Goodwill and Other Intangible Assets	Mar. 31, 2022
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	Note 19 — Goodwill and Other Intangible Assets The carrying amount of goodwill was $1.9 billion and $1.6 billion, respectively, at March 31, 2022 31, 2021. The Company added million in goodwill related to the Atlantic Capital acquisition in the first quarter of 2022. The Company last completed its annual valuation of the carrying value of its goodwill as of October 31, 2021. During the second quarter of 2021, the Company implemented the change in its annual goodwill valuation date to October 31 each year in order for the valuation to be closer to our year end audit date. We determined that no impairment charge was necessary for each period end. We will continue to monitor the impact of the COVID-19 pandemic on the Company’s The following is a summary of gross carrying amounts and accumulated amortization of other intangible assets: March 31, December 31, (Dollars in thousands) 2022 2021 Gross carrying amount $ 278,368 $ 257,874 Accumulated amortization (138,004) (129,807) $ 140,364 $ 128,067 Amortization expense totaled $8.5 million for the quarter ended March 31, 2022, compared to $9.2 million for the quarter ended March 31, 2021. Other intangibles are amortized using either the straight-line method or an accelerated basis over their estimated useful lives, with lives generally between two (Dollars in thousands) Quarter ending: June 30, 2022 $ 8,463 September 30, 2022 8,027 December 31, 2022 8,027 March 31, 2023 7,299 June 30, 2023 7,028 Thereafter 101,520 $ 140,364

Loan Servicing, Mortgage Origin

Loan Servicing, Mortgage Origination, and Loans Held for Sale	3 Months Ended
	Mar. 31, 2022
Loan Servicing, Mortgage Origination, and Loans Held for Sale
Loan Servicing, Mortgage Origination, and Loans Held for Sale	Note 20 — Loan Servicing, Mortgage Origination, and Loans Held for Sale As of March 31, 2022 and December 31, 2021, the portfolio of residential mortgages serviced for others, which is not included in the accompanying balance sheets, was $6.5 billion and $6.1 billion, respectively. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts and disbursing payments to investors. The amount of contractually specified servicing fees we earned during the quarter ended March 31, 2022 and March 31, 2021 were $3.8 million and $3.2 million, respectively. Servicing fees are recorded in mortgage banking income in our Condensed Consolidated Statements of Income. At March 31, 2022 and December 31, 2021, MSRs were $83.3 million and $65.6 million on our consolidated balance sheets, respectively. MSRs are recorded at fair value with changes in fair value recorded as a component of mortgage banking income in the Condensed Consolidated Statements of Income. The market value adjustments related to MSRs recorded in mortgage banking income for the quarter ended March 31, 2022 and March 31, 2021 were gains of $12.8 million, compared with gains of $8.1 million, respectively. We used various free-standing derivative instruments to mitigate the income statement effect of changes in fair value due to changes in market value adjustments and to changes in valuation inputs and assumptions related to MSRs. See Note 15 — Fair Value for the changes in fair value of MSRs. The following table presents the changes in the fair value of the MSR and offsetting hedge. Three Months Ended (Dollars in thousands) March 31, 2022 March 31, 2021 Increase in fair value of MSRs $ 12,827 $ 8,076 Decay of MSRs (2,230) (4,561) Loss related to derivatives (11,838) (6,404) Net effect on statements of income $ (1,241) $ (2,889) The fair value of MSRs is highly sensitive to changes in assumptions and fair value is determined by estimating the present value of the asset’s future cash flows utilizing market-based prepayment rates, discount rates and other assumptions validated through comparison to trade information, industry surveys and with the use of independent third-party appraisals. Changes in prepayment speed assumptions have the most significant impact on the fair value of MSRs. Generally, as interest rates decline, mortgage loan prepayments accelerate due to increased refinance activity, which results in a decrease in the fair value of the MSR. Measurement of fair value is limited to the conditions existing, and the assumptions utilized as of a particular point in time, and those assumptions may not be appropriate if they are applied at a different time. See Note 15 — Fair Value for additional information regarding fair value. The characteristics and sensitivity analysis of the MSRs are included in the following table. March 31, December 31, (Dollars in thousands) 2022 2021 Composition of residential loans serviced for others Fixed-rate mortgage loans 100.0 % 99.9 % Adjustable-rate mortgage loans — % 0.1 % Total 100.0 % 100.0 % Weighted average life 8.42 years 7.35 years Constant Prepayment rate (CPR) 6.5 % 8.4 % Weighted average discount rate 9.4 % 9.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 1,337 $ 3,961 50 basis point increase 2,316 7,261 25 basis point decrease (1,934) (4,371) 50 basis point decrease (4,793) (8,966) The sensitivity calculations in the previous table are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the changes in assumptions to fair value may not be linear. Also, the effects of an adverse variation in a particular assumption on the fair value of the MSRs is calculated without changing any other assumptions, while in reality, changes in one factor may result in changing another, which may magnify or contract the effect of the change. Custodial escrow balances maintained in connection with the loan servicing were $44.6 million and $29.6 million at March 31, 2022 and December 31, 2021, respectively. Whole loan sales were $700.7 million for the quarter ended March 31, 2022, compared to $774.4 million for the quarter ended March 31, 2021. For the quarter ended March 31, 2022, $530.5 million, or 75.7%, were sold with the servicing rights retained by the Company, compared to $621.7 million, or 80.3%, for the quarter ended March 31, 2021. Loans held for sale have historically been comprised of residential mortgage loans awaiting sale in the secondary market, which generally settle in 15 to 45 days . Loans held for sale were $130.4 million and $191.7 million at March 31, 2022 and December 31, 2021, respectively.

Repurchase Agreements

Repurchase Agreements	3 Months Ended
Repurchase Agreements	Mar. 31, 2022
Repurchase Agreements
Repurchase Agreements	Note 21 — Repurchase Agreements Securities sold under agreements to repurchase (“repurchase agreements”) represent funds received from customers, generally on an overnight or continuous basis, which are collateralized by investment securities owned or, at times, borrowed and re-hypothecated by the Company. Repurchase agreements are subject to terms and conditions of the master repurchase agreements between the Company and the client and are accounted for as secured borrowings. Repurchase agreements are included in federal funds purchased and securities sold under agreements to repurchase on the condensed consolidated balance sheets. At March 31, 2022 and December 31, 2021, our repurchase agreements totaled $426.6 million and $400.0 million, respectively. All of our repurchase agreements were overnight or continuous (until-further-notice) agreements at March 31, 2022 and December 31, 2021. These borrowings were collateralized with government, government-sponsored enterprise, or state and political subdivision-issued securities with a carrying value of 31, 2021, respectively. Declines in the value of the collateral would require us to increase the amounts of securities pledged.

Stock Repurchase Program

Stock Repurchase Program	3 Months Ended
Stock Repurchase Program	Mar. 31, 2022
Stock Repurchase Program
Stock Repurchase Program	Note 22 — Stock Repurchase Program On January 27, 2021, the Company’s Board of Directors approved a stock repurchase program (“2021 Stock Repurchase Plan”) authorizing the Company to repurchase up to 3,500,000 of the Company’s common shares. During the first quarter of 2022, the Company repurchased a total of 1,012,038 shares at a weighted average price of $85.43 per share pursuant to the 2021 Stock Repurchase Plan. Life-to-date as of March 31, 2022, the Company has repurchased a total of 2,829,979 shares at a weighted average price of $82.27 per share, leaving 670,021 shares remaining that may be repurchased under the 2021 Stock Repurchase Plan.

Subsequent Events

Subsequent Events	3 Months Ended
Subsequent Events	Mar. 31, 2022
Subsequent Events
Subsequent Events	Note 23 — Subsequent Events On April 28, 2022, the Company announced the declaration of a quarterly cash dividend on its common stock at $0.49 per share. The dividend is payable on May 20, 2022 to shareholders of record as of May 13, 2022. As of May 5, 2022, the Company repurchased an additional 300,000 shares of the Company’s common stock pursuant to the 2021 Stock Repurchase Plan at a weighted average price of $79.15 per share after March 31, 2022. Total stock repurchases year-to-date equal per share. The Company may repurchase up to an additional

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	3 Months Ended
Summary of Significant Accounting Policies (Policies)	Mar. 31, 2022
Summary of Significant Accounting Policies
Allowance for Credit Losses ("ACL")	Allowance for Credit Losses (“ACL”) On January 1, 2020, we adopted the requirements of Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, sometimes referred to herein as ASU 2016-13 . Topic 326 was subsequently amended by ASU No. 2019-11, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; ASU No. 2019-05, Codification Improvements to Topic 326, Financial Instruments-Credit Losses; and ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments. This standard applies to all financial assets measured at amortized cost and off-balance sheet credit exposures, including loans, investment securities and unfunded commitments. We applied the standard’s provisions using the modified retrospective method as a cumulative-effect adjustment to retained earnings as of January 1, 2020. ACL – Investment Securities Management uses a systematic methodology to determine its ACL for investment securities held to maturity. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the held to maturity portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, Management’s process for determining expected credit losses may result in a range of expected credit losses. Management monitors the held to maturity portfolio to determine whether a valuation account should be recorded. As of March 31, 2022 and December 31, 2021, the Company had $2.8 billion and $1.8 billion, respectively, of held to maturity securities and no related valuation account. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of March 31, 2022 and December 31, 2021, the accrued interest receivables for all investment securities recorded in Other Assets were Management no longer evaluates securities for other-than-temporary impairment, otherwise referred to herein as OTTI, as ASC Subtopic 326-30, Financial Instruments—Credit Losses—Available for Sale Debt Securities, changes the accounting for recognizing impairment on available for sale debt securities. Each quarter Management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby Management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses in the Statements of Income. ACL - Loans The ACL for loans held for investment reflects Management’s estimate of losses that will result from the inability of our borrowers to make required loan payments. The Company established the incremental increase in the ACL at adoption through equity and subsequent adjustments through a provision for or recovery of credit losses recorded to earnings. The Company records loans charged off against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. Management uses systematic methodologies to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, Management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects Management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for Management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The allowance for credit losses is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments, or pools, for analysis. The Discounted Cash Flow (“DCF”) method is utilized for each loan in a pool, and the results are aggregated at the pool level. A periodic tendency to default and absolute loss given default are applied to a projective model of the loan’s cash flow while considering prepayment and principal curtailment effects. The analysis produces expected cash flows for each instrument in the pool by pairing loan-level term information (e.g., maturity date, payment amount, interest rate, etc.) with top-down pool assumptions (e.g., default rates and prepayment speeds). The Company has identified the following portfolio segments: Owner-Occupied Commercial Real Estate, Non-Owner Occupied Commercial Real Estate, Multifamily, Municipal, Commercial and Industrial, Commercial Construction and Land Development, Residential Construction, Residential Senior Mortgage, Residential Junior Mortgage, Revolving Mortgage, and Consumer and Other. In determining the proper level of the ACL, Management has determined that the loss experience of the Bank provides the best basis for its assessment of expected credit losses. It therefore utilized its own historical credit loss experience by each loan segment over an economic cycle, while excluding loss experience from certain acquired institutions (i.e., failed banks). For most of the segment models for collectively evaluated loans, the Company incorporated two or more macroeconomic drivers using a statistical regression modeling methodology. Management considers forward-looking information in estimating expected credit losses. The Company subscribes to a third-party service which provides a quarterly macroeconomic baseline outlook and alternative scenarios for the United States economy. The baseline, along with the evaluation of alternative scenarios, is used by Management to determine the best estimate within the range of expected credit losses. Management has evaluated the appropriateness of the reasonable and supportable forecast scenarios and has made adjustments as needed. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to the long term mean of historical factors within four quarters using a straight-line approach. The Company generally utilizes a four-quarter forecast and a four-quarter reversion period. Included in its systematic methodology to determine its ACL, Management considers the need to qualitatively adjust expected credit losses for information not already captured in the loss estimation process. These qualitative adjustments either increase or decrease the quantitative model estimation (i.e., formulaic model results). Each period the Company considers qualitative factors that are relevant within the qualitative framework that includes the following: 1) Lending Policy; 2) Economic conditions not captured in models; 3) Volume and Mix of Loan Portfolio; 4) Past Due Trends; 5) Concentration Risk; 6) External Factors; and 7) Model Limitations. When a loan no longer shares similar risk characteristics with its segment, the asset is assessed to determine whether it should be included in another pool or should be individually evaluated. The Company’s threshold for individually-evaluated loans includes all non-accrual loans with a net book balance in excess of million. Management will monitor the credit environment and make adjustments to this threshold in the future if warranted. Based on the threshold above, consumer financial assets will generally remain in pools unless they meet the dollar threshold. The expected credit losses on individually-evaluated loans will be estimated based on discounted cash flow analysis unless the loan meets the criteria for use of the fair value of collateral, either by virtue of an expected foreclosure or through meeting the definition of collateral-dependent. Financial assets that have been individually evaluated can be returned to a pool for purposes of estimating the expected credit loss insofar as their credit profile improves and that the repayment terms were not considered to be unique to the asset. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably-expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. For consumer loans, the point at which a TDR is reasonably expected is when the Company approves the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approves loan concessions on substandard loans. For commercial loans, the point at which a TDR is reasonably expected is when the Company approves the loan for modification or when the Credit Administration department approves loan concessions on substandard loans. The Company uses a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the ACL. For purchased credit-deteriorated, otherwise referred to herein as PCD, assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., allowance for credit losses) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the allowance for credit losses. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the Provision for Credit Losses in the Condensed Consolidated Statements of Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. In accordance with the transition requirements within the standard, the Company’s acquired credit-impaired loans (i.e., ACI or Purchased Credit Impaired) were treated as PCD loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of March 31, 2022 and December 31, 2021, the accrued interest receivables for loans recorded in Other Assets were The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss will be recorded as a liability on the balance sheet. Management has determined that a majority of the Company’s off-balance-sheet credit exposures are not unconditionally cancellable. Management completes funding studies based on historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. Management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of March 31, 2022 and December 31, 2021, the liabilities recorded for expected credit losses on unfunded commitments were million, respectively.

Mergers and Acquisitions (Table

Mergers and Acquisitions (Tables) - Atlantic Capital	3 Months Ended
Mergers and Acquisitions (Tables) - Atlantic Capital	Mar. 31, 2022
Mergers and Acquisitions
Schedule of assets acquired, liabilities assumed, and fair value of total consideration transferred	Initial As Recorded Fair Value As Recorded by (Dollars in thousands) by Atlantic Capital Adjustments the Company Assets Cash and cash equivalents $ 250,134 $ 24 (a) $ 250,158 Investment securities 717,332 (13,622) (b) 703,710 Loans, net of allowance and mark 2,394,256 (18,964) (c) 2,375,292 Premises and equipment 16,892 2,608 (d) 19,500 Intangible assets 22,572 (1,781) (e) 20,791 Bank owned life insurance 74,613 — 74,613 Deferred tax asset 30,231 2,273 (f) 32,504 Other assets 45,274 (1,277) (g) 43,997 Total assets $ 3,551,304 $ (30,739) $ 3,520,565 Liabilities Deposits: Noninterest-bearing $ 1,411,671 $ — $ 1,411,671 Interest-bearing 1,616,970 — 1,616,970 Total deposits 3,028,641 — 3,028,641 Federal funds purchased and securities sold under agreements to repurchase 50,000 — 50,000 Other borrowings 74,131 4,286 (h) 78,417 Other liabilities 50,711 (2,075) (i) 48,636 Total liabilities 3,203,483 2,211 3,205,694 Net identifiable assets acquired over (under) liabilities assumed 347,821 (32,950) 314,871 Goodwill — 342,939 342,939 Net assets acquired over liabilities assumed $ 347,821 $ 309,989 $ 657,810 Consideration: South State Corporation common shares issued 7,330,803 Purchase price per share of the Company's common stock $ 90.00 Company common stock issued ($659,772) and cash exchanged for fractional shares ($19) $ 659,791 Stock option conversion 1,135 Restricted stock unit conversion 2,870 Restricted stock awards conversion (unvested awards) (5,986) Fair value of total consideration transferred $ 657,810 Explanation of fair value adjustments (a)— Represents an adjustment to record time deposits with financial institutions at fair value (premium). (b)— Represents the reversal of Atlantic Capital 's existing fair value adjustments of $17.2 million and the adjustment to record securities and time deposits at fair value (discount) totaling $30.9 million (includes reclassification of all securities held as HTM to AFS totaling $237.6 million). (c)— Represents approximately 1.23%, or $29.7 million, credit mark of the loan portfolio and 2.01% total mark, or $48.7 million, including discount, based on a third party valuation. Also, includes a reversal of Atlantic Capital's ending allowance for credit losses of (d)— Represents the preliminary fair value adjustments of $2.6 million on fixed assets and leased assets. (e)— Represents approximately $17.5 million, or 0.63%, of CDI amount and $3.2 million for SBA servicing asset based on a third party valuation. Prior to the merger, goodwill and servicing asset of (f)— Represents deferred tax asset related to fair value adjustments with effective tax rate of 24.6% , which includes an adjustment from the Atlantic Capital rate to the Company’s rate. The difference in rates relates to state income taxes. (g)— Represents the fair value adjustment (decrease) for Investment in low income housing investment of $1.1 million and write-off of prepaid assets. (h)— Represents the reversal of the existing Atlantic Capital’s issuance costs on subordinated debt of $0.9 million, and recording the fair value adjustment (premium) of $3.4 million, based on a third party valuation. (i)— Represents the reversal of $2.8 million of unfunded commitment liability at purchase date and the fair value adjustment to increase lease liabilities associated with rental facilities totaling $1.4 million. Also includes the reversal of uncertain tax liability of
Schedule of proforma information	Pro Forma Pro Forma Three Months Ended Three Months Ended (Dollars in thousands) March 31, 2022 March 31, 2021 Total revenues (net interest income plus noninterest income) $ 367,675 $ 391,080 Net interest income $ 278,056 $ 291,233 Net adjusted income available to the common shareholder $ 124,685 $ 147,366 EPS - basic $ 1.64 $ 1.88 EPS - diluted $ 1.62 $ 1.87

Securities (Tables)

Securities (Tables)	3 Months Ended
Securities (Tables)	Mar. 31, 2022
Securities
Schedule of amortized cost and fair value of investment securities held to maturity	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value March 31, 2022: U.S. Government agencies $ 197,259 $ — $ (12,318) $ 184,941 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,740,217 — (125,037) 1,615,180 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 455,180 — (24,951) 430,229 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 373,100 108 (28,673) 344,535 Small Business Administration loan-backed securities 62,013 — (6,403) 55,610 $ 2,827,769 $ 108 $ (197,382) $ 2,630,495 December 31, 2021: U.S. Government agencies $ 112,913 $ — $ (2,627) $ 110,286 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,120,104 14 (24,278) 1,095,840 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 174,178 — (4,937) 169,241 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 350,116 304 (8,021) 342,399 Small Business Administration loan-backed securities 62,590 — (2,292) 60,298 $ 1,819,901 $ 318 $ (42,155) $ 1,778,064
Schedule of amortized cost and fair value of investment securities available for sale	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value March 31, 2022: U.S. Treasuries $ 270,547 $ — $ (1,966) $ 268,581 U.S. Government agencies 190,899 — (10,957) 179,942 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 2,156,635 48 (142,779) 2,013,904 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 739,068 167 (44,530) 694,705 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,247,034 301 (95,475) 1,151,860 State and municipal obligations 1,201,639 1,884 (75,826) 1,127,697 Small Business Administration loan-backed securities 477,702 551 (20,896) 457,357 Corporate securities 30,619 34 (493) 30,160 $ 6,314,143 $ 2,985 $ (392,922) $ 5,924,206 December 31, 2021: U.S. Government agencies $ 98,882 $ — $ (1,765) $ 97,117 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,851,700 5,324 (25,985) 1,831,039 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 730,949 5,957 (10,911) 725,995 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,220,233 5,438 (18,430) 1,207,241 State and municipal obligations 798,211 16,697 (2,219) 812,689 Small Business Administration loan-backed securities 502,812 2,330 (4,479) 500,663 Corporate securities 18,509 234 (9) 18,734 $ 5,221,296 $ 35,980 $ (63,798) $ 5,193,478
Schedule of amortized cost and carrying value of other investment securities	Carrying (Dollars in thousands) Value March 31, 2022: Federal Home Loan Bank stock $ 15,095 Federal Reserve Bank stock 149,659 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,941 $ 179,258 December 31, 2021: Federal Home Loan Bank stock $ 16,283 Federal Reserve Bank stock 129,716 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 11,006 $ 160,568
Schedule of amortized cost and fair value of debt and equity securities by contractual maturity	Securities Securities Held to Maturity Available for Sale Amortized Fair Amortized Fair (Dollars in thousands) Cost Value Cost Value Due in one year or less $ — $ — $ 7,567 $ 7,590 Due after one year through five years 64,365 64,002 477,415 471,472 Due after five years through ten years 433,463 411,807 1,098,144 1,034,518 Due after ten years 2,329,941 2,154,686 4,731,017 4,410,626 $ 2,827,769 $ 2,630,495 $ 6,314,143 $ 5,924,206
Schedule of securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value March 31, 2022: Securities Held to Maturity U.S. Government agencies $ 6,624 $ 140,646 $ 5,694 $ 44,295 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 67,934 1,058,367 57,103 556,812 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 17,920 273,429 7,031 55,589 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 13,930 140,104 14,743 129,759 Small Business Administration loan-backed securities — — 6,403 55,610 $ 106,408 $ 1,612,546 $ 90,974 $ 842,065 Securities Available for Sale U.S. Treasuries $ 1,966 $ 268,581 $ — $ — U.S. Government agencies 8,124 157,776 2,833 22,166 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 98,405 1,607,878 44,374 398,080 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 32,801 562,732 11,729 90,910 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 79,666 876,459 15,809 171,206 State and municipal obligations 71,078 960,986 4,748 29,605 Small Business Administration loan-backed securities 13,526 247,135 7,370 141,086 Corporate securities 493 23,628 — — $ 306,059 $ 4,705,175 $ 86,863 $ 853,053 December 31, 2021: Securities Held to Maturity U.S. Government agencies $ 1,745 $ 86,168 $ 882 $ 24,118 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises $ 18,768 868,327 5,510 184,819 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 4,937 169,240 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 4,902 154,963 3,119 75,450 Small Business Administration loan-backed securities 1,281 37,408 1,011 22,890 $ 31,633 $ 1,316,106 $ 10,522 $ 307,277 Securities Available for Sale U.S. Government agencies $ 529 $ 73,353 $ 1,236 $ 23,763 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,381 1,274,934 8,604 221,435 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 10,911 432,300 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 13,120 846,581 5,310 98,106 State and municipal obligations 1,867 123,987 352 8,579 Small Business Administration loan-backed securities 2,720 179,168 1,759 110,309 Corporate securities 9 4,991 — — $ 46,537 $ 2,935,314 $ 17,261 $ 462,192
Schedule of trading securities	March 31, December 31, (Dollars in thousands) 2022 2021 U.S. Government agencies $ 14,801 $ 5,154 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 26,484 6,853 Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 7,634 12,315 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 10,973 29,667 State and municipal obligations 12,078 20,798 Other debt securities 2,264 2,902 $ 74,234 $ 77,689
Summary of net gains and losses on trading securities	Three Months Ended March 31, (Dollars in thousands) 2022 2021 Net (losses) gain on sales transaction $ (1,239) $ 119 Net mark to mark losses (1,976) (726) Net losses on trading securities $ (3,215) $ (607)

Loans (Tables)

Loans (Tables)	3 Months Ended
Loans (Tables)	Mar. 31, 2022
Loans
Summary of loans	The following is a summary of total loans: March 31, December 31, (Dollars in thousands) 2022 2021 Loans: Construction and land development (1) $ 2,316,313 $ 2,029,216 Commercial non-owner occupied 7,478,115 6,735,699 Commercial owner occupied real estate 5,346,583 4,970,116 Consumer owner occupied (2) 3,813,163 3,638,364 Home equity loans 1,175,573 1,168,594 Commercial and industrial 4,566,641 3,761,133 Other income producing property 680,342 696,804 Consumer 1,167,720 904,657 Other loans 11,977 23,583 Total loans 26,556,427 23,928,166 Less allowance for credit losses (300,396) (301,807) Loans, net $ 26,256,031 $ 23,626,359 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as loans collateralized by 1-4 family owner occupied property with a business intent.
Schedule of purchased loans through its acquisition of CSB	(Dollars in thousands) March 1, 2022 Book value of acquired loans at acquisition $ 112,737 Allowance for credit losses at acquisition (9,218) Non-credit discount at acquisition (4,509) Carrying value or book value of acquired loans at acquisition $ 99,010
Schedule of credit risk profile by risk grade of loans	The following table presents the credit risk profile by risk grade of commercial loans by origination year as of March 31, 2022 and 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of March 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Construction and land development Risk rating: Pass $ 145,489 $ 684,487 $ 324,454 $ 231,128 $ 26,470 $ 56,994 $ 100,945 $ 1,569,967 Special mention 283 2,320 133 181 17 2,731 — 5,665 Substandard 223 732 166 3,153 147 2,524 — 6,945 Doubtful — — — — — 7 — 7 Total Construction and land development $ 145,995 $ 687,539 $ 324,753 $ 234,462 $ 26,634 $ 62,256 $ 100,945 $ 1,582,584 Commercial non-owner occupied Risk rating: Pass $ 456,600 $ 1,908,997 $ 853,208 $ 1,081,774 $ 730,349 $ 1,912,737 $ 112,369 $ 7,056,034 Special mention 11,291 15,647 12,714 19,857 36,557 122,637 401 219,104 Substandard 525 25,258 151 63,578 30,546 80,700 2,137 202,895 Doubtful — 1 — 81 — — — 82 Total Commercial non-owner occupied $ 468,416 $ 1,949,903 $ 866,073 $ 1,165,290 $ 797,452 $ 2,116,074 $ 114,907 $ 7,478,115 Commercial Owner Occupied Risk rating: Pass $ 274,999 $ 1,232,157 $ 785,579 $ 827,228 $ 533,651 $ 1,407,248 $ 74,914 $ 5,135,776 Special mention 30 9,014 6,055 16,248 14,731 77,511 62 123,651 Substandard 2,040 6,040 2,464 10,658 5,327 59,816 786 87,131 Doubtful — — 1 — — 24 — 25 Total commercial owner occupied $ 277,069 $ 1,247,211 $ 794,099 $ 854,134 $ 553,709 $ 1,544,599 $ 75,762 $ 5,346,583 Commercial and industrial Risk rating: Pass $ 210,266 $ 1,299,047 $ 652,273 $ 384,480 $ 287,788 $ 459,668 $ 1,181,161 $ 4,474,683 Special mention 268 3,068 741 5,192 2,061 8,374 10,254 29,958 Substandard 488 451 6,446 12,189 15,122 7,713 19,558 61,967 Doubtful — — — 5 3 24 1 33 Total commercial and industrial $ 211,022 $ 1,302,566 $ 659,460 $ 401,866 $ 304,974 $ 475,779 $ 1,210,974 $ 4,566,641 Other income producing property Risk rating: Pass $ 32,022 $ 104,526 $ 69,075 $ 56,526 $ 64,745 $ 171,033 $ 59,947 $ 557,874 Special mention 258 1,460 1,579 1,073 200 9,940 89 14,599 Substandard 447 1,219 465 442 2,195 13,767 240 18,775 Doubtful — — — — — 5 — 5 Total other income producing property $ 32,727 $ 107,205 $ 71,119 $ 58,041 $ 67,140 $ 194,745 $ 60,276 $ 591,253 Consumer owner occupied Risk rating: Pass $ 392 $ 3,456 $ 2,637 $ 1,051 $ 81 $ 582 $ 17,371 $ 25,570 Special mention 505 1,208 175 1,946 — 1 6 3,841 Substandard — 99 15 236 — 221 — 571 Doubtful — — — — — 145 — 145 Total Consumer owner occupied $ 897 $ 4,763 $ 2,827 $ 3,233 $ 81 $ 949 $ 17,377 $ 30,127 Other loans Risk rating: Pass $ 11,977 $ — $ — $ — $ — $ — $ — $ 11,977 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 11,977 $ — $ — $ — $ — $ — $ — $ 11,977 Total Commercial Loans Risk rating: Pass $ 1,131,745 $ 5,232,670 $ 2,687,226 $ 2,582,187 $ 1,643,084 $ 4,008,262 $ 1,546,707 $ 18,831,881 Special mention 12,635 32,717 21,397 44,497 53,566 221,194 10,812 396,818 Substandard 3,723 33,799 9,707 90,256 53,337 164,741 22,721 378,284 Doubtful — 1 1 86 3 205 1 297 Total Commercial Loans $ 1,148,103 $ 5,299,187 $ 2,718,331 $ 2,717,026 $ 1,749,990 $ 4,394,402 $ 1,580,241 $ 19,607,280 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Construction and land development Risk rating: Pass $ 570,166 $ 360,488 $ 206,586 $ 38,866 $ 24,728 $ 49,321 $ 76,680 $ 1,326,835 Special mention 2,347 3,067 186 — 1,557 1,715 487 9,359 Substandard 960 210 2,304 326 543 2,209 — 6,552 Doubtful 1 — — — — 8 — 9 Total Construction and land development $ 573,474 $ 363,765 $ 209,076 $ 39,192 $ 26,828 $ 53,253 $ 77,167 $ 1,342,755 Commercial non-owner occupied Risk rating: Pass $ 1,812,512 $ 798,171 $ 1,061,021 $ 676,803 $ 494,618 $ 1,371,729 $ 102,763 $ 6,317,617 Special mention 16,683 12,985 14,138 36,875 25,729 110,109 — 216,519 Substandard 23,035 160 64,408 23,346 31,952 56,477 2,139 201,517 Doubtful — — — — — 46 — 46 Total Commercial non-owner occupied $ 1,852,230 $ 811,316 $ 1,139,567 $ 737,024 $ 552,299 $ 1,538,361 $ 104,902 $ 6,735,699 Commercial Owner Occupied Risk rating: Pass $ 1,182,722 $ 780,339 $ 801,162 $ 549,642 $ 428,163 $ 980,701 $ 69,739 $ 4,792,468 Special mention 9,152 4,257 7,331 10,860 22,792 49,083 115 103,590 Substandard 7,375 2,907 8,587 2,053 18,600 34,431 80 74,033 Doubtful — 1 — — — 24 — 25 Total commercial owner occupied $ 1,199,249 $ 787,504 $ 817,080 $ 562,555 $ 469,555 $ 1,064,239 $ 69,934 $ 4,970,116 Commercial and industrial Risk rating: Pass $ 1,198,849 $ 618,676 $ 360,551 $ 267,772 $ 178,538 $ 219,339 $ 860,134 $ 3,703,859 Special mention 2,759 1,519 2,434 1,268 3,224 3,871 3,281 18,356 Substandard 738 5,965 8,212 2,653 3,438 5,183 12,701 38,890 Doubtful — — 5 3 2 16 2 28 Total commercial and industrial $ 1,202,346 $ 626,160 $ 371,202 $ 271,696 $ 185,202 $ 228,409 $ 876,118 $ 3,761,133 Other income producing property Risk rating: Pass $ 105,533 $ 73,583 $ 67,173 $ 76,971 $ 56,343 $ 142,183 $ 56,190 $ 577,976 Special mention 1,580 1,851 1,063 232 1,381 13,526 424 20,057 Substandard 1,304 482 298 166 787 12,531 46 15,614 Doubtful — — — — — 6 — 6 Total other income producing property $ 108,417 $ 75,916 $ 68,534 $ 77,369 $ 58,511 $ 168,246 $ 56,660 $ 613,653 Consumer owner occupied Risk rating: Pass $ 3,513 $ 2,874 $ 1,099 $ 85 $ 139 $ 820 $ 16,977 $ 25,507 Special mention 1,219 180 2,430 81 — 3 — 3,913 Substandard — 16 238 — — 223 — 477 Doubtful — — — 1 — 145 — 146 Total Consumer owner occupied $ 4,732 $ 3,070 $ 3,767 $ 167 $ 139 $ 1,191 $ 16,977 $ 30,043 Other loans Risk rating: Pass $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Total Commercial Loans Risk rating: Pass $ 4,896,878 $ 2,634,131 $ 2,497,592 $ 1,610,139 $ 1,182,529 $ 2,764,093 $ 1,182,483 $ 16,767,845 Special mention 33,740 23,859 27,582 49,316 54,683 178,307 4,307 371,794 Substandard 33,412 9,740 84,047 28,544 55,320 111,054 14,966 337,083 Doubtful 1 1 5 4 2 245 2 260 Total Commercial Loans $ 4,964,031 $ 2,667,731 $ 2,609,226 $ 1,688,003 $ 1,292,534 $ 3,053,699 $ 1,201,758 $ 17,476,982 For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year as of March 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of March 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Consumer owner occupied Days past due: Current $ 357,337 $ 1,197,029 $ 660,950 $ 376,955 $ 229,942 $ 948,311 $ 66 $ 3,770,590 30 days past due — 241 750 564 206 1,531 — 3,292 60 days past due — — — — 129 786 — 915 90 days past due — 234 642 975 808 5,580 — 8,239 Total Consumer owner occupied $ 357,337 $ 1,197,504 $ 662,342 $ 378,494 $ 231,085 $ 956,208 $ 66 $ 3,783,036 Home equity loans Days past due: Current $ 1,388 $ 6,287 $ 4,538 $ 3,889 $ 2,283 $ 25,090 $ 1,127,814 $ 1,171,289 30 days past due — 5 72 — — 280 1,515 1,872 60 days past due — 117 — 112 — 118 80 427 90 days past due — 75 40 25 — 1,663 182 1,985 Total Home equity loans $ 1,388 $ 6,484 $ 4,650 $ 4,026 $ 2,283 $ 27,151 $ 1,129,591 $ 1,175,573 Consumer Days past due: Current $ 203,365 $ 383,890 $ 162,172 $ 114,271 $ 62,668 $ 177,289 $ 40,100 $ 1,143,755 30 days past due — 12,622 830 46 115 1,171 549 15,333 60 days past due — 5,953 465 13 12 379 177 6,999 90 days past due — 69 84 114 115 1,218 33 1,633 Total consumer $ 203,365 $ 402,534 $ 163,551 $ 114,444 $ 62,910 $ 180,057 $ 40,859 $ 1,167,720 Construction and land development Days past due: Current $ 58,048 $ 479,616 $ 141,951 $ 24,361 $ 9,745 $ 19,470 $ 162 $ 733,353 30 days past due — 2 — — — 1 — 3 60 days past due — — 371 — — — — 371 90 days past due — — — — — 2 — 2 Total Construction and land development $ 58,048 $ 479,618 $ 142,322 $ 24,361 $ 9,745 $ 19,473 $ 162 $ 733,729 Other income producing property Days past due: Current $ 9,101 $ 22,809 $ 5,360 $ 4,073 $ 4,755 $ 41,108 $ 1,422 $ 88,628 30 days past due — — — — — 335 — 335 60 days past due — — — — — — — — 90 days past due — — — — — 126 — 126 Total other income producing property $ 9,101 $ 22,809 $ 5,360 $ 4,073 $ 4,755 $ 41,569 $ 1,422 $ 89,089 Total Consumer Loans Days past due: Current $ 629,239 $ 2,089,631 $ 974,971 $ 523,549 $ 309,393 $ 1,211,268 $ 1,169,564 $ 6,907,615 30 days past due — 12,870 1,652 610 321 3,318 2,064 20,835 60 days past due — 6,070 836 125 141 1,283 257 8,712 90 days past due — 378 766 1,114 923 8,589 215 11,985 Total Consumer Loans $ 629,239 $ 2,108,949 $ 978,225 $ 525,398 $ 310,778 $ 1,224,458 $ 1,172,100 $ 6,949,147 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of March 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Total Loans $ 1,777,342 $ 7,408,136 $ 3,696,556 $ 3,242,424 $ 2,060,768 $ 5,618,860 $ 2,752,341 $ 26,556,427 The following table presents the credit risk profile by past due status of consumer loans by origination year as of March 31, 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,192,449 $ 710,828 $ 405,138 $ 246,487 $ 228,876 $ 810,605 $ 4 $ 3,594,387 30 days past due 354 666 234 472 1,068 2,230 — 5,024 60 days past due — 330 218 254 111 928 — 1,841 90 days past due 235 574 691 549 274 4,746 — 7,069 Total Consumer owner occupied $ 1,193,038 $ 712,398 $ 406,281 $ 247,762 $ 230,329 $ 818,509 $ 4 $ 3,608,321 Home equity loans Days past due: Current $ 7,128 $ 5,648 $ 4,745 $ 2,180 $ 993 $ 24,716 $ 1,116,621 $ 1,162,031 30 days past due 6 49 68 71 24 491 2,200 2,909 60 days past due — — — — — 603 339 942 90 days past due 75 65 172 180 22 1,548 650 2,712 Total Home equity loans $ 7,209 $ 5,762 $ 4,985 $ 2,431 $ 1,039 $ 27,358 $ 1,119,810 $ 1,168,594 Consumer Days past due: Current $ 314,475 $ 169,443 $ 127,757 $ 69,892 $ 36,304 $ 151,948 $ 29,168 $ 898,987 30 days past due 229 364 208 191 132 1,570 137 2,831 60 days past due 145 82 90 124 90 658 17 1,206 90 days past due 74 121 181 109 29 1,119 — 1,633 Total consumer $ 314,923 $ 170,010 $ 128,236 $ 70,316 $ 36,555 $ 155,295 $ 29,322 $ 904,657 Construction and land development Days past due: Current $ 411,728 $ 204,368 $ 33,965 $ 13,429 $ 8,484 $ 14,185 $ 162 $ 686,321 30 days past due — 24 — — — — — 24 60 days past due — — — — — 12 — 12 90 days past due — — — — — 104 — 104 Total Construction and land development $ 411,728 $ 204,392 $ 33,965 $ 13,429 $ 8,484 $ 14,301 $ 162 $ 686,461 Other income producing property Days past due: Current $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,575 $ 1,379 $ 82,891 30 days past due — — — — — 90 — 90 60 days past due — — — — — 156 — 156 90 days past due — — — — — 14 — 14 Total other income producing property $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,835 $ 1,379 $ 83,151 Total Consumer Loans Days past due: Current $ 1,947,911 $ 1,095,907 $ 576,511 $ 336,965 $ 280,960 $ 1,039,029 $ 1,147,334 $ 6,424,617 30 days past due 589 1,103 510 734 1,224 4,381 2,337 10,878 60 days past due 145 412 308 378 201 2,357 356 4,157 90 days past due 384 760 1,044 838 325 7,531 650 11,532 Total Consumer Loans $ 1,949,029 $ 1,098,182 $ 578,373 $ 338,915 $ 282,710 $ 1,053,298 $ 1,150,677 $ 6,451,184 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Total Loans $ 6,913,060 $ 3,765,913 $ 3,187,599 $ 2,026,918 $ 1,575,244 $ 4,106,997 $ 2,352,435 $ 23,928,166
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans	The following table presents an aging analysis of past due accruing loans, segregated by class. 30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans March 31, 2022 Construction and land development $ 765 $ 1,721 $ 25 $ 2,511 $ 2,312,463 $ 1,339 $ 2,316,313 Commercial non-owner occupied 5,488 1,251 9,793 16,532 7,442,210 19,373 7,478,115 Commercial owner occupied 4,357 4,515 2,547 11,419 5,319,799 15,365 5,346,583 Consumer owner occupied 3,060 312 — 3,372 3,791,711 18,080 3,813,163 Home equity loans 1,339 217 — 1,556 1,167,547 6,470 1,175,573 Commercial and industrial 20,528 12,035 22,984 55,547 4,501,169 9,925 4,566,641 Other income producing property 1,543 2,400 236 4,179 671,254 4,909 680,342 Consumer 15,074 6,866 1 21,941 1,142,391 3,388 1,167,720 Other loans — — — — 11,977 — 11,977 $ 52,154 $ 29,317 $ 35,586 $ 117,057 $ 26,360,521 $ 78,849 $ 26,556,427 December 31, 2021 Construction and land development $ 1,176 $ 59 $ 43 $ 1,278 $ 2,026,371 $ 1,567 $ 2,029,216 Commercial non-owner occupied 3,591 2,110 96 5,797 6,709,993 19,909 6,735,699 Commercial owner occupied 2,756 1,732 626 5,114 4,950,470 14,532 4,970,116 Consumer owner occupied 4,046 533 — 4,579 3,615,602 18,183 3,638,364 Home equity loans 2,565 913 — 3,478 1,158,861 6,255 1,168,594 Commercial and industrial 50,451 26,639 3,991 81,081 3,672,611 7,441 3,761,133 Other income producing property 879 424 106 1,409 691,320 4,075 696,804 Consumer 2,672 840 1 3,513 897,688 3,456 904,657 Other loans — — — — 23,583 — 23,583 $ 68,136 $ 33,250 $ 4,863 $ 106,249 $ 23,746,499 $ 75,418 $ 23,928,166
Summary of information pertaining to nonaccrual loans by class	March 31, Greater than Non-accrual December 31, (Dollars in thousands) 2022 90 Days Accruing (1) with no allowance (1) 2021 Construction and land development $ 1,339 $ 25 $ 15 $ 1,567 Commercial non-owner occupied 19,373 9,793 9,432 19,909 Commercial owner occupied real estate 15,365 2,547 6,474 14,532 Consumer owner occupied 18,080 — — 18,183 Home equity loans 6,470 — 48 6,255 Commercial and industrial 9,925 22,984 423 7,441 Other income producing property 4,909 236 892 4,075 Consumer 3,388 1 — 3,456 Total loans on nonaccrual status $ 78,849 $ 35,586 $ 17,284 $ 75,418 (1) – Greater than 90 days accruing and non-accrual with no allowance loans at March 31, 2022.
Summary of collateral dependent loans, by type of collateral	The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: March 31, Collateral December 31, Collateral (Dollars in thousands) 2022 Coverage % 2021 Coverage % Commercial owner occupied real estate Church $ — $ — $ 1,953 $ 2,308 118% Other 4,556 4,643 102% 4,656 12,200 262% Commercial non-owner occupied real estate Hotel — — 1,822 4,100 225% Other 6,823 9,810 144% 6,949 9,630 139% Total collateral dependent loans $ 11,379 $ 14,453 $ 15,380 $ 28,238
Schedule of restructured loans segregated by class and type of concession	The following table presents loans designated as TDRs segregated by class and type of concession that were restructured during the quarter ended March 31, 2022 and 2021. Three Months Ended March 31, 2022 2021 Pre-Modification Post-Modification Pre-Modification Post-Modification Number Amortized Amortized Number Amortized Amortized (Dollars in thousands) of loans Cost Cost of loans Cost Cost Interest rate modification Construction and land development 1 $ 120 $ 120 — $ — $ — Commercial non-owner occupied 1 187 187 — — — Commercial owner occupied 2 268 268 — — — Consumer owner occupied 1 99 99 — — — Commercial and industrial 4 497 497 — — — Other income producing property 2 119 119 1 298 298 Total interest rate modifications 11 $ 1,290 $ 1,290 1 $ 298 $ 298 Term modification Construction and land development 1 141 141 — $ — $ — Commercial non-owner occupied — $ — $ — — — — Commercial owner occupied 2 2,356 2,356 — — — Consumer owner occupied — — — — — — Home equity loans — — — — — — Commercial and industrial — — — 1 40 40 Other income producing property — — — — — — Consumer — — — — — — Other loans — — — — — — Total term modifications 3 $ 2,497 $ 2,497 1 $ 40 $ 40 14 $ 3,787 $ 3,787 2 $ 338 $ 338
Schedule of changes in status of loans restructured within the previous 12 months	The following table presents the changes in status of loans restructured within the previous 12 months as of March 31, 2022 by type of concession. There were no subsequent defaults that resulted in a change to reserves on the individually evaluated loan Paying Under Restructured Terms Converted to Nonaccrual Foreclosures and Defaults Number Amortized Number Amortized Number Amortized (Dollars in thousands) of Loans Cost of Loans Cost of Loans Cost Interest rate modification 14 $ 1,783 — $ — — $ — Term modification 4 2,806 — — — — 18 $ 4,589 — $ — — $ —

Allowance for Credit Losses (_2

Allowance for Credit Losses (ACL) (Tables)	3 Months Ended
Allowance for Credit Losses (ACL) (Tables)	Mar. 31, 2022
Allowance for Credit Losses (ACL)
Schedule of changes in allowance for loan losses	The following table presents a disaggregated analysis of activity in the allowance for credit losses as follows: Residential Residential Residential Other CRE Owner Non-Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction C&D Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Three Months Ended March 31, 2022 Allowance for credit losses: Balance at end of period December 31, 2021 $ 47,036 611 13,325 4,997 37,593 23,149 4,921 565 61,794 79,649 28,167 $ 301,807 Initial Allowance for PCD loans acquired during period 84 — — — 86 — — — 1,479 — 7,569 9,218 Initial Allowance for Non PCD loans acquired during period 352 26 132 2 1,887 51 426 — 2,519 2,697 5,605 13,697 Charge-offs (58) (19) (218) — (4) (2,661) — — (371) — (2,159) (5,490) Recoveries 394 55 257 3 234 532 — — 314 69 1,309 3,167 Net (charge offs) recoveries 336 36 39 3 230 (2,129) — — (57) 69 (850) (2,323) (Recovery) provision (1) (1,806) (87) 175 614 (14,438) 828 (1,444) 42 (16,641) 13,945 (3,191) (22,003) Balance at end of period March 31, 2022 $ 46,002 $ 586 $ 13,671 $ 5,616 $ 25,358 $ 21,899 $ 3,903 $ 607 $ 49,094 $ 96,360 $ 37,300 $ 300,396 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 45,805 $ 586 $ 12,301 $ 5,616 $ 24,770 $ 21,899 $ 3,903 $ 607 $ 45,302 $ 95,051 $ 32,476 $ 288,316 Individually evaluated 168 — 1,357 — 588 — — — 2,960 — 3,358 8,431 Total quantitative allowance 45,973 586 13,658 5,616 25,358 21,899 3,903 607 48,262 95,051 35,834 296,747 Qualitative allowance 29 — 13 — — — — — 832 1,309 1,466 3,649 Balance at end of period March 31, 2022 $ 46,002 $ 586 $ 13,671 $ 5,616 $ 25,358 $ 21,899 $ 3,903 $ 607 $ 49,094 $ 96,360 $ 37,300 $ 300,396 Three Months Ended March 31, 2021 Allowance for loan losses: Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 Charge-offs (120) — (169) — (10) (2,149) — — (27) (194) (705) (3,374) Recoveries 428 33 417 1 201 510 — — 333 321 1,151 3,395 Net (charge offs) recoveries 308 33 248 1 191 (1,639) — — 306 127 446 21 Provision (recovery) (1) (827) (81) (943) (1,023) (12,051) 2,960 (2,003) 34 (6,750) (16,989) (13,197) (50,870) Balance at end of period March 31, 2021 $ 63,042 $ 1,190 $ 16,003 $ 3,892 $ 55,337 $ 27,883 $ 5,884 $ 1,544 $ 90,660 $ 107,559 $ 33,466 $ 406,460 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 55,336 $ 1,190 $ 14,210 $ 3,830 $ 55,234 $ 21,334 $ 5,884 $ 817 $ 83,115 $ 100,267 $ 26,673 $ 367,890 Individually evaluated 378 — 165 — 103 — — — 3,315 35 399 4,395 Total quantitative allowance 55,714 1,190 14,375 3,830 55,337 21,334 5,884 817 86,430 100,302 27,072 372,285 Qualitative allowance 7,328 — 1,628 62 — 6,549 — 727 4,230 7,257 6,394 34,175 Balance at end of period March 31, 2021 $ 63,042 $ 1,190 $ 16,003 $ 3,892 $ 55,337 $ 27,883 $ 5,884 $ 1,544 $ 90,660 $ 107,559 $ 33,466 $ 406,460 (1) A negative provision (recovery) for credit losses of ($142,000) , net of the provision for $3.4 million recorded for the unfunded commitments acquired from ACBI, was recorded during the first quarter of 2022, compared to a negative provision (recovery) for credit losses of $7.5 million recorded during the first quarter of 2021 for the allowance for credit losses for unfunded commitments that is not included in the above table.

Other Real Estate Owned and B_2

Other Real Estate Owned and Bank Premises Held for Sale (Tables)	3 Months Ended
	Mar. 31, 2022
Other Real Estate Owned and Bank Premises Held for Sale
Schedule of information pertaining to OREO and Bank Premises Held for Sale	(Dollars in thousands) OREO Bank Premises Held For Sale Total Balance, December 31, 2021 $ 2,736 $ 9,578 $ 12,314 Additions, net 1,151 1,260 2,411 Write-downs (67) (128) (195) Sold (530) (4,293) (4,823) Balance, March 31, 2022 $ 3,290 $ 6,417 $ 9,707

Leases (Tables)

Leases (Tables)	3 Months Ended
Leases (Tables)	Mar. 31, 2022
Leases
Schedule of information pertaining to operating leases	Three Months Ended (Dollars in thousands) March 31, 2022 2021 Lease Cost Components: Amortization of ROU assets - finance leases $ 117 $ 117 Interest on lease liabilities - finance leases 13 15 Operating lease cost (cost resulting from lease payments) 4,333 4,343 Short-term lease cost 143 135 Variable lease cost (cost excluded from lease payments) 437 648 Total lease cost $ 5,043 $ 5,258 Supplemental Cash Flow and Other Information Related to Leases: Finance lease - operating cash flows $ 13 $ 15 Finance lease - financing cash flows 108 106 Operating lease - operating cash flows (fixed payments) 4,181 4,140 Operating lease - operating cash flows (net change asset/liability) (3,303) (3,220) New ROU assets - operating leases 12,428 1,298 New ROU assets - finance leases — — Weighted - average remaining lease term (years) - finance leases 6.17 7.16 Weighted - average remaining lease term (years) - operating leases 10.47 11.30 Weighted - average discount rate - finance leases 1.7% 1.7% Weighted - average discount rate - operating leases 3.0% 3.3% Operating lease payments due: 2022 (excluding the quarter ended March 31, 2022) $ 12,844 2023 16,367 2024 14,987 2025 13,559 2026 12,997 Thereafter 79,262 Total undiscounted cash flows 150,016 Discount on cash flows (24,097) Total operating lease liabilities $ 125,919

Deposits (Tables)

Deposits (Tables)	3 Months Ended
Deposits (Tables)	Mar. 31, 2022
Deposits
Schedule of total deposits	March 31, December 31, (Dollars in thousands) 2022 2021 Non-interest bearing checking $ 14,052,332 $ 11,498,840 Interest-bearing checking 9,275,208 9,018,987 Savings 3,479,743 3,350,547 Money market 9,140,005 8,376,380 Time deposits 2,828,542 2,810,075 Total deposits $ 38,775,830 $ 35,054,829

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
Earnings Per Share (Tables)	Mar. 31, 2022
Earnings Per Common Share
Schedule of computation of basic and diluted earnings per common share	Three Months Ended March 31, (Dollars and shares in thousands, except for per share amounts) 2022 2021 Basic earnings per common share: Net income $ 100,329 $ 146,949 Weighted-average basic common shares 71,447 71,009 Basic earnings per common share $ 1.40 $ 2.07 Diluted earnings per common share: Net income $ 100,329 $ 146,949 Weighted-average basic common shares 71,447 71,009 Effect of dilutive securities 664 475 Weighted-average dilutive shares 72,111 71,484 Diluted earnings per common share $ 1.39 $ 2.06
Schedule of anti-dilutive securities excluded from computation of diluted earnings per common share	Three Months Ended March 31, (Dollars in thousands) 2022 2021 Number of shares 57,169 62,235 Range of exercise prices $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
Share-Based Compensation (Tables)	Mar. 31, 2022
Share-Based Compensation
Schedule of stock option activity	Weighted Weighted Average Aggregate Average Remaining Intrinsic Shares Price (Yrs.) (000's) Outstanding at January 1, 2022 185,125 $ 63.03 Assumed stock options and warrants from ACBI merger 23,410 40.73 Exercised (9,703) 42.25 Expired (14) 33.02 Outstanding at March 31, 2022 198,818 61.42 3.78 $ 4,554 Exercisable at March 31, 2022 198,818 61.42 3.78 $ 4,554
Summary of nonvested restricted stock	Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2022 3,066 $ 67.31 Assumed restricted stock shares from ACBI merger 84,224 90.00 Vested (1,916) 90.00 Nonvested at March 31, 2022 85,374 $ 89.19
Summary of nonvested RSUs	Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2022 948,213 $ 67.01 Assumed restricted stock units from ACBI merger 55,736 87.94 Granted 282,952 83.50 Vested (128,302) 67.46 Forfeited (1,464) 87.88 Outstanding at March 31, 2022 1,157,135 $ 71.88

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
Fair Value (Tables)	Mar. 31, 2022
Fair Value.
Schedule of recorded amount of assets and liabilities measured at fair value on a recurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) March 31, 2022: Assets Derivative financial instruments $ 412,815 $ — $ 412,815 $ — Loans held for sale 130,376 — 130,376 — Trading securities 74,234 — 74,234 — Securities available for sale: U.S. Treasuries 268,581 — 268,581 — U.S. Government agencies 179,942 — 179,942 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 2,013,904 — 2,013,904 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 694,705 — 694,705 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,151,860 — 1,151,860 — State and municipal obligations 1,127,697 — 1,127,697 — Small Business Administration loan-backed securities 457,357 — 457,357 — Corporate securities 30,160 — 30,160 — Total securities available for sale 5,924,206 — 5,924,206 — Mortgage servicing rights 83,339 — — 83,339 $ 6,624,970 $ — $ 6,541,631 $ 83,339 Liabilities Derivative financial instruments $ 412,168 $ — $ 412,168 $ — December 31, 2021: Assets Derivative financial instruments $ 414,742 $ — $ 414,742 $ — Loans held for sale 191,723 — 191,723 — Trading securities 77,689 — 77,689 — Securities available for sale: U.S. Government agencies 97,117 — 97,117 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,831,039 — 1,831,039 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 725,995 — 725,995 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,207,241 — 1,207,241 — State and municipal obligations 812,689 — 812,689 — Small Business Administration loan-backed securities 500,663 — 500,663 — Corporate securities 18,734 — 18,734 — Total securities available for sale 5,193,478 — 5,193,478 — Mortgage servicing rights 65,620 — — 65,620 $ 5,943,252 $ — $ 5,877,632 $ 65,620 Liabilities Derivative financial instruments $ 410,137 $ — $ 410,137 $ —
Schedule of reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis	(Dollars in thousands) Assets Liabilities Fair value, January 1, 2022 $ 65,620 $ — Servicing assets that resulted from transfers of financial assets 7,122 — Changes in fair value due to valuation inputs or assumptions 12,827 — Changes in fair value due to decay (2,230) — Fair value , March 31, 2022 $ 83,339 $ —
Schedule of amounts of assets and liabilities measured at fair value on a nonrecurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) March 31, 2022: OREO $ 3,290 $ — $ — $ 3,290 Bank property held for sale 6,417 — — 6,417 Individually evaluated loans 4,527 — — 4,527 December 31, 2021: OREO $ 2,736 $ — $ — $ 2,736 Bank property held for sale 9,578 — — 9,578 Individually evaluated loans 20,802 — — 20,802
Schedule of quantitative information about level 3 fair value measurements	Weighted Average March 31, December 31, Valuation Technique Unobservable Input 2022 2021 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 13 % 9 % OREO and premises held for sale Discounted appraisals Collateral discounts and estimated costs to sell 19 % 24 %
Schedule of estimated fair value, and related carrying amount, of the Company's financial instruments	Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 March 31, 2022 Financial assets: Cash and cash equivalents $ 6,032,606 $ 6,032,606 $ 6,032,606 $ — $ — Trading securities 74,234 74,234 — 74,234 — Investment securities 8,931,233 8,733,959 179,258 8,554,701 — Loans held for sale 130,376 130,376 — 130,376 — Loans, net of allowance for credit losses 26,256,031 26,434,330 — — 26,434,330 Accrued interest receivable 106,396 106,396 — 25,425 80,971 Mortgage servicing rights 83,339 83,339 — — 83,339 Interest rate swap - non-designated hedge 408,434 408,434 — 408,434 — Other derivative financial instruments (mortgage banking related) 4,381 4,381 — 4,381 — Financial liabilities: Deposits 38,775,830 38,737,371 — 38,737,371 — Federal funds purchased and securities sold under agreements to repurchase 770,409 770,409 — 770,409 — Other borrowings 405,553 399,125 — 399,125 — Accrued interest payable 6,644 6,644 — 6,644 — Interest rate swap - non-designated hedge 409,084 409,084 — 409,084 — Other derivative financial instruments (mortgage banking related) 3,084 3,084 — 3,084 — Off balance sheet financial instruments: Commitments to extend credit — 63,247 — 63,247 — December 31, 2021 Financial assets: Cash and cash equivalents $ 6,843,147 $ 6,843,147 $ 6,843,147 $ — $ — Trading securities 77,689 77,689 — 77,689 — Investment securities 7,173,947 7,132,110 160,568 6,971,542 — Loans held for sale 191,723 191,723 — 191,723 — Loans, net of allowance for credit losses 23,626,359 23,921,372 — — 23,921,372 Accrued interest receivable 90,069 90,069 — 19,241 70,828 Mortgage servicing rights 65,620 65,620 — — 65,620 Interest rate swap - non-designated hedge 408,776 408,776 — 408,776 — Other derivative financial instruments (mortgage banking related) 5,966 5,966 — 5,966 — Financial liabilities: Deposits 35,054,829 35,050,516 — 35,050,516 — Federal funds purchased and securities sold under agreements to repurchase 781,239 781,239 — 781,239 — Other borrowings 327,066 334,640 — 334,640 — Accrued interest payable 3,345 3,345 — 3,345 — Interest rate swap - non-designated hedge 410,137 410,137 — 410,137 — Off balance sheet financial instruments: Commitments to extend credit — 93,501 — 93,501 —

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive (Loss) Income (Tables)	3 Months Ended
Accumulated Other Comprehensive (Loss) Income (Tables)	Mar. 31, 2022
Accumulated Other Comprehensive (Loss) Income
Schedule of components of accumulated other comprehensive income (loss)	Unrealized Gains and Losses on Securities Benefit Available (Dollars in thousands) Plans for Sale Total Three Months Ended March 31, 2022 Balance at December 31, 2021 $ 57 $ (21,203) $ (21,146) Other comprehensive loss before reclassifications — (272,810) (272,810) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (272,810) (272,810) Balance at March 31, 2022 $ 57 $ (294,013) $ (293,956) Three Months Ended March 31, 2021 Balance at December 31, 2020 $ (151) $ 47,740 $ 47,589 Other comprehensive loss before reclassifications — (48,620) (48,620) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (48,620) (48,620) Balance at March 31, 2021 $ (151) $ (880) $ (1,031)

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
Derivative Financial Instruments (Tables)	Mar. 31, 2022
Derivative Financial Instruments
Derivative financial instruments summary	March 31, 2022 December 31, 2021 Balance Sheet Notional Estimated Fair Value Notional Estimated Fair Value (Dollars in thousands) Location Amount Gain Loss Amount Gain Loss Fair value hedge of interest rate risk: Pay fixed rate swap with counterparty Other Liabilities $ 18,078 $ — $ 645 $ 15,716 $ — $ 1,355 Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 10,706,435 106,122 363,248 10,404,605 408,776 69,998 Matched interest rate swaps with counterparty Other Assets and Other Liabilities 10,704,249 302,885 45,763 10,402,394 — 338,784 Not designated hedges of interest rate risk - mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Assets and Other Liabilities 85,000 — 3,084 205,000 1,228 — Contracts used to hedge mortgage pipeline Other Assets 277,500 4,381 — 324,000 4,738 — Total derivatives $ 21,791,262 $ 413,388 $ 412,740 $ 21,351,715 $ 414,742 $ 410,137
Schedule of notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage pipeline	(Dollars in thousands) March 31, 2022 December 31, 2021 Mortgage loan pipeline $ 263,976 $ 264,000 Expected closures 241,672 233,265 Fair value of mortgage loan pipeline commitments 256 4,759 Forward sales commitments 277,500 324,000 Fair value of forward commitments 4,124 (21)

Capital Ratios (Tables)

Capital Ratios (Tables)	3 Months Ended
Capital Ratios (Tables)	Mar. 31, 2022
Capital Ratios
Schedule of actual and required capital ratios	Required to be Minimum Capital Considered Well Actual Required - Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio March 31, 2022: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,472,948 11.37 % $ 2,138,431 7.00 % $ 1,985,686 6.50 % SouthState Bank (the Bank) 3,773,163 12.37 % 2,134,908 7.00 % 1,982,415 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,472,948 11.37 % 2,596,666 8.50 % 2,443,921 8.00 % SouthState Bank (the Bank) 3,773,163 12.37 % 2,592,389 8.50 % 2,439,895 8.00 % Total capital to risk-weighted assets: Consolidated 4,064,615 13.31 % 3,207,647 10.50 % 3,054,902 10.00 % SouthState Bank (the Bank) 3,961,830 12.99 % 3,202,362 10.50 % 3,049,869 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,472,948 8.45 % 1,643,247 4.00 % 2,054,058 5.00 % SouthState Bank (the Bank) 3,773,163 9.19 % 1,642,556 4.00 % 2,053,196 5.00 % December 31, 2021: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,201,644 11.75 % $ 1,906,831 7.00 % $ 1,770,629 6.50 % SouthState Bank (the Bank) 3,431,069 12.62 % 1,902,954 7.00 % 1,767,029 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,201,644 11.75 % 2,315,438 8.50 % 2,179,236 8.00 % SouthState Bank (the Bank) 3,431,069 12.62 % 2,310,730 8.50 % 2,174,804 8.00 % Total capital to risk-weighted assets: Consolidated 3,692,674 13.56 % 2,860,247 10.50 % 2,724,045 10.00 % SouthState Bank (the Bank) 3,594,099 13.22 % 2,854,431 10.50 % 2,718,505 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,201,644 8.05 % 1,590,045 4.00 % 1,987,556 5.00 % SouthState Bank (the Bank) 3,431,069 8.65 % 1,587,212 4.00 % 1,984,015 5.00 %

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	3 Months Ended
Goodwill and Other Intangible Assets (Tables)	Mar. 31, 2022
Goodwill and Other Intangible Assets
Summary of gross carrying amounts and accumulated amortization of other intangible assets	March 31, December 31, (Dollars in thousands) 2022 2021 Gross carrying amount $ 278,368 $ 257,874 Accumulated amortization (138,004) (129,807) $ 140,364 $ 128,067
Schedule of estimated amortization expense for other intangibles for each of the next five quarters	(Dollars in thousands) Quarter ending: June 30, 2022 $ 8,463 September 30, 2022 8,027 December 31, 2022 8,027 March 31, 2023 7,299 June 30, 2023 7,028 Thereafter 101,520 $ 140,364

Loan Servicing, Mortgage Orig_2

Loan Servicing, Mortgage Origination, and Loans Held for Sale (Tables)	3 Months Ended
	Mar. 31, 2022
Loan Servicing, Mortgage Origination, and Loans Held for Sale
Summary of changes in the fair value of MSRs and its offsetting hedge	Three Months Ended (Dollars in thousands) March 31, 2022 March 31, 2021 Increase in fair value of MSRs $ 12,827 $ 8,076 Decay of MSRs (2,230) (4,561) Loss related to derivatives (11,838) (6,404) Net effect on statements of income $ (1,241) $ (2,889)
Schedule of characteristics and sensitivity analysis of the MSR	The characteristics and sensitivity analysis of the MSRs are included in the following table. March 31, December 31, (Dollars in thousands) 2022 2021 Composition of residential loans serviced for others Fixed-rate mortgage loans 100.0 % 99.9 % Adjustable-rate mortgage loans — % 0.1 % Total 100.0 % 100.0 % Weighted average life 8.42 years 7.35 years Constant Prepayment rate (CPR) 6.5 % 8.4 % Weighted average discount rate 9.4 % 9.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 1,337 $ 3,961 50 basis point increase 2,316 7,261 25 basis point decrease (1,934) (4,371) 50 basis point decrease (4,793) (8,966)

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity Securities	$ 2,827,769	$ 1,819,901
Threshold Net Book Balance, Individually Evaluated Loans	1,000
Interest Receivable	80,600	70,600
Liability Recorded for Expected Credit Losses on Unfunded Commitments	30,400
Other Assets
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities	25,400	19,200
Interest Receivable	80,600	70,600
Other Liabilities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Liability Recorded for Expected Credit Losses on Unfunded Commitments	$ 30,400	$ 30,500

Mergers and Acquisitions - Dunc

Mergers and Acquisitions - Duncan Williams (Details) - USD ($) $ in Thousands	Feb. 01, 2021	Mar. 31, 2022	Dec. 31, 2021
Mergers and Acquisitions
Goodwill		$ 1,924,024	$ 1,581,085
Duncan-Williams, Inc.
Mergers and Acquisitions
Purchase price	$ 48,300
Additional premium paid after three years	8,000
Goodwill	$ 15,800

Mergers and Acquisitions - Atla

Mergers and Acquisitions - Atlantic Capital (Details) $ / shares in Units, $ in Thousands	Mar. 01, 2022USD ($)$ / sharesshares	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Mergers and Acquisitions
Goodwill		$ 1,924,024		$ 1,581,085
Deposits:
Goodwill		1,924,024		$ 1,581,085
Consideration:
Reversal of CSFL's ending allowance for credit losses		5,490	$ 3,374
Atlantic Capital
Mergers and Acquisitions
Shares of the common stock in exchange for each share	0.36
Purchase price	$ 657,810
Loans at fair value acquired after initial fair value adjustment	2,400,000
Estimated discount on loans	$ 48,700
Estimated discount on loans (as a percent)	2.01%
Loans acquired as a percentage of total loans	10.00%
Credit deficiencies that were identified as Purchased Credit Deteriorated ("PCD") loans.	$ 112,700
Goodwill	342,939
Acquisition costs		5,600
Assets
Cash and cash equivalents	250,158
Investment securities	703,710
Loans, net of allowance and mark	2,375,292
Premises and equipment	19,500
Intangible assets	20,791
Bank owned life insurance	74,613
Deferred tax asset	32,504
Other assets	43,997
Total assets	3,520,565
Deposits:
Noninterest-bearing	1,411,671
Interest-bearing	1,616,970
Total deposits	3,028,641
Federal funds purchased and securities sold under agreements to repurchase	50,000
Other borrowings	78,417
Other liabilities	48,636
Total liabilities	3,205,694
Net identifiable assets acquired over (under) liabilities assumed	314,871
Goodwill	342,939
Net assets acquired over liabilities assumed	$ 657,810
Consideration:
Number of shares issued as consideration \| shares	7,330,803
Purchase price per share of the Company's common stock \| $ / shares	$ 90
Company common stock issued and cash exchanged for fractional shares.	$ 659,791
Value of shares issued	659,772
Value of common stock issued for fractional shares	19
Stock option conversion	1,135
Business Acquisition Cost Of Acquired Entity Conversion Of Restricted Stock Units	2,870
Restricted stock awards conversion (unvested awards)	(5,986)
Fair value of total consideration transferred	657,810
Reversal of fair value adjustments	17,200
Securities and time deposits at fair value (discount)	30,900
HTM reclassified to AFS	$ 237,600
Credit mark of the loan portfolio (as a percent)	1.23%
Credit mark of the loan portfolio	$ 29,700
Total mark of the loan portfolio (as a percent)	2.01%
Total mark of the loan portfolio	$ 48,700
Reversal of CSFL's ending allowance for credit losses	22,100
Fair value adjustment for reversal of deferred fees and costs	7,600
Fair value adjustment for fixed assets and leased assets	2,600
Core deposit intangible from a third party valuation	$ 17,500
Core deposit intangible from a third party valuation (as a percent)	0.63
Serving assets from third party valuation	$ 3,200
Servicing assets written off	19,900
Goodwill written off	$ 2,600
Deferred tax assets related to fair value adjustments with effective tax rate	24.60%
Fair value negative adjustment for investment in low income housing	$ 1,100
Issuance costs on subordinated debt	900
Fair value adjustment on reversal of debt issuance costs	3,400
Reversal of an existing unfunded commitment reserve at purchase date	2,800
Fair value adjustment to increase lease liabilities associated with rental facilities	1,400
Fair value adjustment for reversal of uncertain tax liability	700	$ 700
Atlantic Capital \| As Recorded by Atlantic Capital
Assets
Cash and cash equivalents	250,134
Investment securities	717,332
Loans, net of allowance and mark	2,394,256
Premises and equipment	16,892
Intangible assets	22,572
Bank owned life insurance	74,613
Deferred tax asset	30,231
Other assets	45,274
Total assets	3,551,304
Deposits:
Noninterest-bearing	1,411,671
Interest-bearing	1,616,970
Total deposits	3,028,641
Federal funds purchased and securities sold under agreements to repurchase	50,000
Other borrowings	74,131
Other liabilities	50,711
Total liabilities	3,203,483
Net identifiable assets acquired over (under) liabilities assumed	347,821
Net assets acquired over liabilities assumed	347,821
Atlantic Capital \| Initial Fair Value Adjustments
Mergers and Acquisitions
Goodwill	342,939
Assets
Cash and cash equivalents	24
Investment securities	(13,622)
Loans, net of allowance and mark	(18,964)
Premises and equipment	2,608
Intangible assets	(1,781)
Deferred tax asset	2,273
Other assets	(1,277)
Total assets	(30,739)
Deposits:
Other borrowings	4,286
Other liabilities	(2,075)
Total liabilities	2,211
Net identifiable assets acquired over (under) liabilities assumed	(32,950)
Goodwill	342,939
Net assets acquired over liabilities assumed	$ 309,989

Mergers and Acquisitions - Pro

Mergers and Acquisitions - Pro Forma (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Proforma amounts
Total revenues (net interest income plus noninterest income)	$ 367,675	$ 391,080
Net interest income	278,056	291,233
Net adjusted income available to the common shareholder	$ 124,685	$ 147,366
EPS - basic	$ 1.64	$ 1.88
EPS - diluted	$ 1.62	$ 1.87
Atlantic Capital
Mergers and Acquisitions
Acquisition costs	$ 5,600

Securities - Amortized cost and

Securities - Amortized cost and fair value for available for sale securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
investment securities held-to-maturity
Amortized cost	$ 2,827,769		$ 1,819,901
Gross Unrealized Gains	108		318
Gross Unrealized Losses	(197,382)		(42,155)
Fair Value	2,630,495		1,778,064
Investment securities available for sale
Amortized cost	6,314,143		5,221,296
Gross Unrealized Gains	2,985		35,980
Gross Unrealized Losses	(392,922)		(63,798)
Fair Value	5,924,206		5,193,478
Realized gains or losses	0	$ 0
Atlantic Capital
Investment securities available for sale
Sold securities	414,400
Realized gains or losses	0
U.S. Treasuries
Investment securities available for sale
Amortized cost	270,547
Gross Unrealized Losses	(1,966)
Fair Value	268,581
U.S. Government agencies
investment securities held-to-maturity
Amortized cost	197,259		112,913
Gross Unrealized Losses	(12,318)		(2,627)
Fair Value	184,941		110,286
Investment securities available for sale
Amortized cost	190,899		98,882
Gross Unrealized Losses	(10,957)		(1,765)
Fair Value	179,942		97,117
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
investment securities held-to-maturity
Amortized cost	1,740,217		1,120,104
Gross Unrealized Gains			14
Gross Unrealized Losses	(125,037)		(24,278)
Fair Value	1,615,180		1,095,840
Investment securities available for sale
Amortized cost	2,156,635		1,851,700
Gross Unrealized Gains	48		5,324
Gross Unrealized Losses	(142,779)		(25,985)
Fair Value	2,013,904		1,831,039
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
investment securities held-to-maturity
Amortized cost	455,180		174,178
Gross Unrealized Losses	(24,951)		(4,937)
Fair Value	430,229		169,241
Investment securities available for sale
Amortized cost	739,068		730,949
Gross Unrealized Gains	167		5,957
Gross Unrealized Losses	(44,530)		(10,911)
Fair Value	694,705		725,995
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
investment securities held-to-maturity
Amortized cost	373,100		350,116
Gross Unrealized Gains	108		304
Gross Unrealized Losses	(28,673)		(8,021)
Fair Value	344,535		342,399
Investment securities available for sale
Amortized cost	1,247,034		1,220,233
Gross Unrealized Gains	301		5,438
Gross Unrealized Losses	(95,475)		(18,430)
Fair Value	1,151,860		1,207,241
State and municipal obligations
Investment securities available for sale
Amortized cost	1,201,639		798,211
Gross Unrealized Gains	1,884		16,697
Gross Unrealized Losses	(75,826)		(2,219)
Fair Value	1,127,697		812,689
Small Business Administration loan-backed securities
investment securities held-to-maturity
Amortized cost	62,013		62,590
Gross Unrealized Losses	(6,403)		(2,292)
Fair Value	55,610		60,298
Investment securities available for sale
Amortized cost	477,702		502,812
Gross Unrealized Gains	551		2,330
Gross Unrealized Losses	(20,896)		(4,479)
Fair Value	457,357		500,663
Corporate securities.
Investment securities available for sale
Amortized cost	30,619		18,509
Gross Unrealized Gains	34		234
Gross Unrealized Losses	(493)		(9)
Fair Value	$ 30,160		$ 18,734

Securities - Carrying value of

Securities - Carrying value of other investment securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Other investment securities
Carrying Value	$ 179,258	$ 160,568
Impairment on other investment securities	0
Federal Home Loan Bank stock
Other investment securities
Carrying Value	15,095	16,283
Federal Reserve Bank Stock
Other investment securities
Carrying Value	149,659	129,716
Investment in unconsolidated subsidiaries
Other investment securities
Carrying Value	3,563	3,563
Other nonmarketable investment securities
Other investment securities
Carrying Value	$ 10,941	$ 11,006

Securities - Amortized cost a_2

Securities - Amortized cost and fair value by contractual maturity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost
Due after one year through five years	$ 64,365
Due after five years through ten years	433,463
Due after ten years	2,329,941
Total	2,827,769	$ 1,819,901
Fair Value
Due after one year through five years	64,002
Due after five years through ten years	411,807
Due after ten years	2,154,686
Fair Value	2,630,495	1,778,064
Amortized Cost
Due in one year or less	7,567
Due after one year through five years	477,415
Due after five years through ten years	1,098,144
Due after ten years	4,731,017
Amortized Cost	6,314,143	5,221,296
Fair Value
Due in one year or less	7,590
Due after one year through five years	471,472
Due after five years through ten years	1,034,518
Due after ten years	4,410,626
Fair Value	5,924,206	$ 5,193,478
Information with respect to sales of available-for-sale securities
Sale proceeds	$ 414,438

Securities - Securities with gr

Securities - Securities with gross unrealized losses (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	$ 106,408	$ 31,633
Twelve Months or More	90,974	10,522
Securities Held to Maturity, Fair Value
Less Than Twelve Months	1,612,546	1,316,106
Twelve Months or More	842,065	307,277
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	306,059	46,537
Twelve Months or More	86,863	17,261
Securities Available for Sale, Fair Value
Less Than Twelve Months	4,705,175	2,935,314
Twelve Months or More	853,053	462,192
U.S. Treasuries
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1,966
Securities Available for Sale, Fair Value
Less Than Twelve Months	268,581
U.S. Government agencies
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	6,624	1,745
Twelve Months or More	5,694	882
Securities Held to Maturity, Fair Value
Less Than Twelve Months	140,646	86,168
Twelve Months or More	44,295	24,118
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	8,124	529
Twelve Months or More	2,833	1,236
Securities Available for Sale, Fair Value
Less Than Twelve Months	157,776	73,353
Twelve Months or More	22,166	23,763
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	67,934	18,768
Twelve Months or More	57,103	5,510
Securities Held to Maturity, Fair Value
Less Than Twelve Months	1,058,367	868,327
Twelve Months or More	556,812	184,819
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	98,405	17,381
Twelve Months or More	44,374	8,604
Securities Available for Sale, Fair Value
Less Than Twelve Months	1,607,878	1,274,934
Twelve Months or More	398,080	221,435
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	17,920	4,937
Twelve Months or More	7,031
Securities Held to Maturity, Fair Value
Less Than Twelve Months	273,429	169,240
Twelve Months or More	55,589
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	32,801	10,911
Twelve Months or More	11,729
Securities Available for Sale, Fair Value
Less Than Twelve Months	562,732	432,300
Twelve Months or More	90,910
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	13,930	4,902
Twelve Months or More	14,743	3,119
Securities Held to Maturity, Fair Value
Less Than Twelve Months	140,104	154,963
Twelve Months or More	129,759	75,450
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	79,666	13,120
Twelve Months or More	15,809	5,310
Securities Available for Sale, Fair Value
Less Than Twelve Months	876,459	846,581
Twelve Months or More	171,206	98,106
State and municipal obligations
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	71,078	1,867
Twelve Months or More	4,748	352
Securities Available for Sale, Fair Value
Less Than Twelve Months	960,986	123,987
Twelve Months or More	29,605	8,579
Small Business Administration loan-backed securities
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		1,281
Twelve Months or More	6,403	1,011
Securities Held to Maturity, Fair Value
Less Than Twelve Months		37,408
Twelve Months or More	55,610	22,890
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	13,526	2,720
Twelve Months or More	7,370	1,759
Securities Available for Sale, Fair Value
Less Than Twelve Months	247,135	179,168
Twelve Months or More	141,086	110,309
Corporate securities.
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	493	9
Securities Available for Sale, Fair Value
Less Than Twelve Months	$ 23,628	$ 4,991

Securities - Trading Securities

Securities - Trading Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Investment Securities
Trading securities	$ 74,234	$ 77,689
U.S. Government agencies
Investment Securities
Trading securities	14,801	5,154
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	26,484	6,853
Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	7,634	12,315
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	10,973	29,667
State and municipal obligations
Investment Securities
Trading securities	12,078	20,798
Other debt securities
Investment Securities
Trading securities	$ 2,264	$ 2,902

Securities - Net gains and loss

Securities - Net gains and losses on trading securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Securities
Net (losses) gain on sales transaction	$ (1,239)	$ 119
Net mark to mark losses	(1,976)	(726)
Net losses on trading securities	$ (3,215)	$ (607)

Loans - Summary of loans (Detai

Loans - Summary of loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Summary of Loans
Total loans	$ 26,556,427	$ 23,928,166
Less allowance for credit losses	(300,396)	(301,807)
Loans, net	26,256,031	23,626,359
Deferred fees costs	27,900	15,900
Unamortized Discounts	100,700	68,000
Accrued interest receivable (AIR)	80,600	70,600
Construction and land development
Summary of Loans
Total loans	2,316,313	2,029,216
Consumer Owner Occupied Loans
Summary of Loans
Total loans	3,813,163	3,638,364
Other income producing property
Summary of Loans
Total loans	680,342	696,804
Other loans
Summary of Loans
Total loans	11,977	23,583
Commercial loans \| Commercial non-owner occupied
Summary of Loans
Total loans	7,478,115	6,735,699
Commercial loans \| Commercial non-owner occupied real estate.
Summary of Loans
Total loans	5,346,583	4,970,116
Commercial loans \| Commercial and industrial
Summary of Loans
Total loans	4,566,641	3,761,133
Consumer portfolio loans \| Home equity loans
Summary of Loans
Total loans	1,175,573	1,168,594
Consumer portfolio loans \| Consumer loans
Summary of Loans
Total loans	$ 1,167,720	$ 904,657

Loans - Loans purchased through

Loans - Loans purchased through its acquisition of CSB (Details) - CSFL $ in Thousands	Mar. 01, 2022USD ($)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Book value of acquired loans at acquisition	$ 112,737
Allowance for credit losses at acquisition	(9,218)
Non-credit discount at acquisition	(4,509)
Carrying value or book value of acquired loans at acquisition	$ 99,010

Loans - Credit risk profile by

Loans - Credit risk profile by risk grade of commercial and consumer loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans
Amortized Cost Basis by Origination Year - 2022	$ 1,777,342	$ 6,913,060
Amortized Cost Basis by Origination Year - 2021	7,408,136	3,765,913
Amortized Cost Basis by Origination Year - 2020	3,696,556	3,187,599
Amortized Cost Basis by Origination Year - 2019	3,242,424	2,026,918
Amortized Cost Basis by Origination Year - 2018	2,060,768	1,575,244
Amortized Cost Basis by Origination Year - Prior	5,618,860	4,106,997
Amortized Cost Basis by Origination Year - Revolving	2,752,341	2,352,435
Total loans	26,556,427	23,928,166
30 days past due
Loans
Total loans	52,154	68,136
60 days past due
Loans
Total loans	29,317	33,250
90 days past due
Loans
Total loans	35,586	4,863
Construction and land development
Loans
Total loans	2,316,313	2,029,216
Construction and land development \| 30 days past due
Loans
Total loans	765	1,176
Construction and land development \| 60 days past due
Loans
Total loans	1,721	59
Construction and land development \| 90 days past due
Loans
Total loans	25	43
Commercial non-owner occupied
Loans
Total loans	7,478,115	6,735,699
Commercial non-owner occupied \| 30 days past due
Loans
Total loans	5,488	3,591
Commercial non-owner occupied \| 60 days past due
Loans
Total loans	1,251	2,110
Commercial non-owner occupied \| 90 days past due
Loans
Total loans	9,793	96
Commercial owner occupied real estate loan
Loans
Total loans	5,346,583	4,970,116
Commercial owner occupied real estate loan \| 30 days past due
Loans
Total loans	4,357	2,756
Commercial owner occupied real estate loan \| 60 days past due
Loans
Total loans	4,515	1,732
Commercial owner occupied real estate loan \| 90 days past due
Loans
Total loans	2,547	626
Commercial and industrial
Loans
Total loans	4,566,641	3,761,133
Commercial and industrial \| 30 days past due
Loans
Total loans	20,528	50,451
Commercial and industrial \| 60 days past due
Loans
Total loans	12,035	26,639
Commercial and industrial \| 90 days past due
Loans
Total loans	22,984	3,991
Other income producing property
Loans
Total loans	680,342	696,804
Other income producing property \| 30 days past due
Loans
Total loans	1,543	879
Other income producing property \| 60 days past due
Loans
Total loans	2,400	424
Other income producing property \| 90 days past due
Loans
Total loans	236	106
Consumer Owner Occupied Loans
Loans
Total loans	3,813,163	3,638,364
Consumer Owner Occupied Loans \| 30 days past due
Loans
Total loans	3,060	4,046
Consumer Owner Occupied Loans \| 60 days past due
Loans
Total loans	312	533
Home equity loans
Loans
Total loans	1,175,573	1,168,594
Home equity loans \| 30 days past due
Loans
Total loans	1,339	2,565
Home equity loans \| 60 days past due
Loans
Total loans	217	913
Consumer loans
Loans
Total loans	1,167,720	904,657
Consumer loans \| 30 days past due
Loans
Total loans	15,074	2,672
Consumer loans \| 60 days past due
Loans
Total loans	6,866	840
Consumer loans \| 90 days past due
Loans
Total loans	1	1
Other loans
Loans
Total loans	11,977	23,583
Commercial loans
Loans
Amortized Cost Basis by Origination Year - 2022	1,148,103	4,964,031
Amortized Cost Basis by Origination Year - 2021	5,299,187	2,667,731
Amortized Cost Basis by Origination Year - 2020	2,718,331	2,609,226
Amortized Cost Basis by Origination Year - 2019	2,717,026	1,688,003
Amortized Cost Basis by Origination Year - 2018	1,749,990	1,292,534
Amortized Cost Basis by Origination Year - Prior	4,394,402	3,053,699
Amortized Cost Basis by Origination Year - Revolving	1,580,241	1,201,758
Total loans	19,607,280	17,476,982
Commercial loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	1,131,745	4,896,878
Amortized Cost Basis by Origination Year - 2021	5,232,670	2,634,131
Amortized Cost Basis by Origination Year - 2020	2,687,226	2,497,592
Amortized Cost Basis by Origination Year - 2019	2,582,187	1,610,139
Amortized Cost Basis by Origination Year - 2018	1,643,084	1,182,529
Amortized Cost Basis by Origination Year - Prior	4,008,262	2,764,093
Amortized Cost Basis by Origination Year - Revolving	1,546,707	1,182,483
Total loans	18,831,881	16,767,845
Commercial loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	12,635	33,740
Amortized Cost Basis by Origination Year - 2021	32,717	23,859
Amortized Cost Basis by Origination Year - 2020	21,397	27,582
Amortized Cost Basis by Origination Year - 2019	44,497	49,316
Amortized Cost Basis by Origination Year - 2018	53,566	54,683
Amortized Cost Basis by Origination Year - Prior	221,194	178,307
Amortized Cost Basis by Origination Year - Revolving	10,812	4,307
Total loans	396,818	371,794
Commercial loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	3,723	33,412
Amortized Cost Basis by Origination Year - 2021	33,799	9,740
Amortized Cost Basis by Origination Year - 2020	9,707	84,047
Amortized Cost Basis by Origination Year - 2019	90,256	28,544
Amortized Cost Basis by Origination Year - 2018	53,337	55,320
Amortized Cost Basis by Origination Year - Prior	164,741	111,054
Amortized Cost Basis by Origination Year - Revolving	22,721	14,966
Total loans	378,284	337,083
Commercial loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022		1
Amortized Cost Basis by Origination Year - 2021	1	1
Amortized Cost Basis by Origination Year - 2020	1	5
Amortized Cost Basis by Origination Year - 2019	86	4
Amortized Cost Basis by Origination Year - 2018	3	2
Amortized Cost Basis by Origination Year - Prior	205	245
Amortized Cost Basis by Origination Year - Revolving	1	2
Total loans	297	260
Commercial loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2022	145,995	573,474
Amortized Cost Basis by Origination Year - 2021	687,539	363,765
Amortized Cost Basis by Origination Year - 2020	324,753	209,076
Amortized Cost Basis by Origination Year - 2019	234,462	39,192
Amortized Cost Basis by Origination Year - 2018	26,634	26,828
Amortized Cost Basis by Origination Year - Prior	62,256	53,253
Amortized Cost Basis by Origination Year - Revolving	100,945	77,167
Total loans	1,582,584	1,342,755
Commercial loans \| Construction and land development \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	145,489	570,166
Amortized Cost Basis by Origination Year - 2021	684,487	360,488
Amortized Cost Basis by Origination Year - 2020	324,454	206,586
Amortized Cost Basis by Origination Year - 2019	231,128	38,866
Amortized Cost Basis by Origination Year - 2018	26,470	24,728
Amortized Cost Basis by Origination Year - Prior	56,994	49,321
Amortized Cost Basis by Origination Year - Revolving	100,945	76,680
Total loans	1,569,967	1,326,835
Commercial loans \| Construction and land development \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	283	2,347
Amortized Cost Basis by Origination Year - 2021	2,320	3,067
Amortized Cost Basis by Origination Year - 2020	133	186
Amortized Cost Basis by Origination Year - 2019	181
Amortized Cost Basis by Origination Year - 2018	17	1,557
Amortized Cost Basis by Origination Year - Prior	2,731	1,715
Amortized Cost Basis by Origination Year - Revolving		487
Total loans	5,665	9,359
Commercial loans \| Construction and land development \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	223	960
Amortized Cost Basis by Origination Year - 2021	732	210
Amortized Cost Basis by Origination Year - 2020	166	2,304
Amortized Cost Basis by Origination Year - 2019	3,153	326
Amortized Cost Basis by Origination Year - 2018	147	543
Amortized Cost Basis by Origination Year - Prior	2,524	2,209
Total loans	6,945	6,552
Commercial loans \| Construction and land development \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022		1
Amortized Cost Basis by Origination Year - Prior	7	8
Total loans	7	9
Commercial loans \| Commercial non-owner occupied
Loans
Amortized Cost Basis by Origination Year - 2022	468,416	1,852,230
Amortized Cost Basis by Origination Year - 2021	1,949,903	811,316
Amortized Cost Basis by Origination Year - 2020	866,073	1,139,567
Amortized Cost Basis by Origination Year - 2019	1,165,290	737,024
Amortized Cost Basis by Origination Year - 2018	797,452	552,299
Amortized Cost Basis by Origination Year - Prior	2,116,074	1,538,361
Amortized Cost Basis by Origination Year - Revolving	114,907	104,902
Total loans	7,478,115	6,735,699
Commercial loans \| Commercial non-owner occupied \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	456,600	1,812,512
Amortized Cost Basis by Origination Year - 2021	1,908,997	798,171
Amortized Cost Basis by Origination Year - 2020	853,208	1,061,021
Amortized Cost Basis by Origination Year - 2019	1,081,774	676,803
Amortized Cost Basis by Origination Year - 2018	730,349	494,618
Amortized Cost Basis by Origination Year - Prior	1,912,737	1,371,729
Amortized Cost Basis by Origination Year - Revolving	112,369	102,763
Total loans	7,056,034	6,317,617
Commercial loans \| Commercial non-owner occupied \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	11,291	16,683
Amortized Cost Basis by Origination Year - 2021	15,647	12,985
Amortized Cost Basis by Origination Year - 2020	12,714	14,138
Amortized Cost Basis by Origination Year - 2019	19,857	36,875
Amortized Cost Basis by Origination Year - 2018	36,557	25,729
Amortized Cost Basis by Origination Year - Prior	122,637	110,109
Amortized Cost Basis by Origination Year - Revolving	401
Total loans	219,104	216,519
Commercial loans \| Commercial non-owner occupied \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	525	23,035
Amortized Cost Basis by Origination Year - 2021	25,258	160
Amortized Cost Basis by Origination Year - 2020	151	64,408
Amortized Cost Basis by Origination Year - 2019	63,578	23,346
Amortized Cost Basis by Origination Year - 2018	30,546	31,952
Amortized Cost Basis by Origination Year - Prior	80,700	56,477
Amortized Cost Basis by Origination Year - Revolving	2,137	2,139
Total loans	202,895	201,517
Commercial loans \| Commercial non-owner occupied \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2021	1
Amortized Cost Basis by Origination Year - 2019	81
Amortized Cost Basis by Origination Year - Prior		46
Total loans	82	46
Commercial loans \| Commercial owner occupied real estate loan
Loans
Amortized Cost Basis by Origination Year - 2022	277,069	1,199,249
Amortized Cost Basis by Origination Year - 2021	1,247,211	787,504
Amortized Cost Basis by Origination Year - 2020	794,099	817,080
Amortized Cost Basis by Origination Year - 2019	854,134	562,555
Amortized Cost Basis by Origination Year - 2018	553,709	469,555
Amortized Cost Basis by Origination Year - Prior	1,544,599	1,064,239
Amortized Cost Basis by Origination Year - Revolving	75,762	69,934
Total loans	5,346,583	4,970,116
Commercial loans \| Commercial owner occupied real estate loan \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	274,999	1,182,722
Amortized Cost Basis by Origination Year - 2021	1,232,157	780,339
Amortized Cost Basis by Origination Year - 2020	785,579	801,162
Amortized Cost Basis by Origination Year - 2019	827,228	549,642
Amortized Cost Basis by Origination Year - 2018	533,651	428,163
Amortized Cost Basis by Origination Year - Prior	1,407,248	980,701
Amortized Cost Basis by Origination Year - Revolving	74,914	69,739
Total loans	5,135,776	4,792,468
Commercial loans \| Commercial owner occupied real estate loan \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	30	9,152
Amortized Cost Basis by Origination Year - 2021	9,014	4,257
Amortized Cost Basis by Origination Year - 2020	6,055	7,331
Amortized Cost Basis by Origination Year - 2019	16,248	10,860
Amortized Cost Basis by Origination Year - 2018	14,731	22,792
Amortized Cost Basis by Origination Year - Prior	77,511	49,083
Amortized Cost Basis by Origination Year - Revolving	62	115
Total loans	123,651	103,590
Commercial loans \| Commercial owner occupied real estate loan \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	2,040	7,375
Amortized Cost Basis by Origination Year - 2021	6,040	2,907
Amortized Cost Basis by Origination Year - 2020	2,464	8,587
Amortized Cost Basis by Origination Year - 2019	10,658	2,053
Amortized Cost Basis by Origination Year - 2018	5,327	18,600
Amortized Cost Basis by Origination Year - Prior	59,816	34,431
Amortized Cost Basis by Origination Year - Revolving	786	80
Total loans	87,131	74,033
Commercial loans \| Commercial owner occupied real estate loan \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2021		1
Amortized Cost Basis by Origination Year - 2020	1
Amortized Cost Basis by Origination Year - Prior	24	24
Total loans	25	25
Commercial loans \| Commercial and industrial
Loans
Amortized Cost Basis by Origination Year - 2022	211,022	1,202,346
Amortized Cost Basis by Origination Year - 2021	1,302,566	626,160
Amortized Cost Basis by Origination Year - 2020	659,460	371,202
Amortized Cost Basis by Origination Year - 2019	401,866	271,696
Amortized Cost Basis by Origination Year - 2018	304,974	185,202
Amortized Cost Basis by Origination Year - Prior	475,779	228,409
Amortized Cost Basis by Origination Year - Revolving	1,210,974	876,118
Total loans	4,566,641	3,761,133
Commercial loans \| Commercial and industrial \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	210,266	1,198,849
Amortized Cost Basis by Origination Year - 2021	1,299,047	618,676
Amortized Cost Basis by Origination Year - 2020	652,273	360,551
Amortized Cost Basis by Origination Year - 2019	384,480	267,772
Amortized Cost Basis by Origination Year - 2018	287,788	178,538
Amortized Cost Basis by Origination Year - Prior	459,668	219,339
Amortized Cost Basis by Origination Year - Revolving	1,181,161	860,134
Total loans	4,474,683	3,703,859
Commercial loans \| Commercial and industrial \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	268	2,759
Amortized Cost Basis by Origination Year - 2021	3,068	1,519
Amortized Cost Basis by Origination Year - 2020	741	2,434
Amortized Cost Basis by Origination Year - 2019	5,192	1,268
Amortized Cost Basis by Origination Year - 2018	2,061	3,224
Amortized Cost Basis by Origination Year - Prior	8,374	3,871
Amortized Cost Basis by Origination Year - Revolving	10,254	3,281
Total loans	29,958	18,356
Commercial loans \| Commercial and industrial \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	488	738
Amortized Cost Basis by Origination Year - 2021	451	5,965
Amortized Cost Basis by Origination Year - 2020	6,446	8,212
Amortized Cost Basis by Origination Year - 2019	12,189	2,653
Amortized Cost Basis by Origination Year - 2018	15,122	3,438
Amortized Cost Basis by Origination Year - Prior	7,713	5,183
Amortized Cost Basis by Origination Year - Revolving	19,558	12,701
Total loans	61,967	38,890
Commercial loans \| Commercial and industrial \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2020		5
Amortized Cost Basis by Origination Year - 2019	5	3
Amortized Cost Basis by Origination Year - 2018	3	2
Amortized Cost Basis by Origination Year - Prior	24	16
Amortized Cost Basis by Origination Year - Revolving	1	2
Total loans	33	28
Commercial loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2022	32,727	108,417
Amortized Cost Basis by Origination Year - 2021	107,205	75,916
Amortized Cost Basis by Origination Year - 2020	71,119	68,534
Amortized Cost Basis by Origination Year - 2019	58,041	77,369
Amortized Cost Basis by Origination Year - 2018	67,140	58,511
Amortized Cost Basis by Origination Year - Prior	194,745	168,246
Amortized Cost Basis by Origination Year - Revolving	60,276	56,660
Total loans	591,253	613,653
Commercial loans \| Other income producing property \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	32,022	105,533
Amortized Cost Basis by Origination Year - 2021	104,526	73,583
Amortized Cost Basis by Origination Year - 2020	69,075	67,173
Amortized Cost Basis by Origination Year - 2019	56,526	76,971
Amortized Cost Basis by Origination Year - 2018	64,745	56,343
Amortized Cost Basis by Origination Year - Prior	171,033	142,183
Amortized Cost Basis by Origination Year - Revolving	59,947	56,190
Total loans	557,874	577,976
Commercial loans \| Other income producing property \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	258	1,580
Amortized Cost Basis by Origination Year - 2021	1,460	1,851
Amortized Cost Basis by Origination Year - 2020	1,579	1,063
Amortized Cost Basis by Origination Year - 2019	1,073	232
Amortized Cost Basis by Origination Year - 2018	200	1,381
Amortized Cost Basis by Origination Year - Prior	9,940	13,526
Amortized Cost Basis by Origination Year - Revolving	89	424
Total loans	14,599	20,057
Commercial loans \| Other income producing property \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	447	1,304
Amortized Cost Basis by Origination Year - 2021	1,219	482
Amortized Cost Basis by Origination Year - 2020	465	298
Amortized Cost Basis by Origination Year - 2019	442	166
Amortized Cost Basis by Origination Year - 2018	2,195	787
Amortized Cost Basis by Origination Year - Prior	13,767	12,531
Amortized Cost Basis by Origination Year - Revolving	240	46
Total loans	18,775	15,614
Commercial loans \| Other income producing property \| Doubtful
Loans
Amortized Cost Basis by Origination Year - Prior	5	6
Total loans	5	6
Commercial loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2022	897	4,732
Amortized Cost Basis by Origination Year - 2021	4,763	3,070
Amortized Cost Basis by Origination Year - 2020	2,827	3,767
Amortized Cost Basis by Origination Year - 2019	3,233	167
Amortized Cost Basis by Origination Year - 2018	81	139
Amortized Cost Basis by Origination Year - Prior	949	1,191
Amortized Cost Basis by Origination Year - Revolving	17,377	16,977
Total loans	30,127	30,043
Commercial loans \| Consumer Owner Occupied Loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	392	3,513
Amortized Cost Basis by Origination Year - 2021	3,456	2,874
Amortized Cost Basis by Origination Year - 2020	2,637	1,099
Amortized Cost Basis by Origination Year - 2019	1,051	85
Amortized Cost Basis by Origination Year - 2018	81	139
Amortized Cost Basis by Origination Year - Prior	582	820
Amortized Cost Basis by Origination Year - Revolving	17,371	16,977
Total loans	25,570	25,507
Commercial loans \| Consumer Owner Occupied Loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	505	1,219
Amortized Cost Basis by Origination Year - 2021	1,208	180
Amortized Cost Basis by Origination Year - 2020	175	2,430
Amortized Cost Basis by Origination Year - 2019	1,946	81
Amortized Cost Basis by Origination Year - Prior	1	3
Amortized Cost Basis by Origination Year - Revolving	6
Total loans	3,841	3,913
Commercial loans \| Consumer Owner Occupied Loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2021	99	16
Amortized Cost Basis by Origination Year - 2020	15	238
Amortized Cost Basis by Origination Year - 2019	236
Amortized Cost Basis by Origination Year - Prior	221	223
Total loans	571	477
Commercial loans \| Consumer Owner Occupied Loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2019		1
Amortized Cost Basis by Origination Year - Prior	145	145
Total loans	145	146
Commercial loans \| Other loans
Loans
Amortized Cost Basis by Origination Year - 2022	11,977	23,583
Total loans	11,977	23,583
Commercial loans \| Other loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	11,977	23,583
Total loans	11,977	23,583
Consumer portfolio loans
Loans
Amortized Cost Basis by Origination Year - 2022	629,239	1,949,029
Amortized Cost Basis by Origination Year - 2021	2,108,949	1,098,182
Amortized Cost Basis by Origination Year - 2020	978,225	578,373
Amortized Cost Basis by Origination Year - 2019	525,398	338,915
Amortized Cost Basis by Origination Year - 2018	310,778	282,710
Amortized Cost Basis by Origination Year - Prior	1,224,458	1,053,298
Amortized Cost Basis by Origination Year - Revolving	1,172,100	1,150,677
Total loans	6,949,147	6,451,184
Consumer portfolio loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	629,239	1,947,911
Amortized Cost Basis by Origination Year - 2021	2,089,631	1,095,907
Amortized Cost Basis by Origination Year - 2020	974,971	576,511
Amortized Cost Basis by Origination Year - 2019	523,549	336,965
Amortized Cost Basis by Origination Year - 2018	309,393	280,960
Amortized Cost Basis by Origination Year - Prior	1,211,268	1,039,029
Amortized Cost Basis by Origination Year - Revolving	1,169,564	1,147,334
Total loans	6,907,615	6,424,617
Consumer portfolio loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		589
Amortized Cost Basis by Origination Year - 2021	12,870	1,103
Amortized Cost Basis by Origination Year - 2020	1,652	510
Amortized Cost Basis by Origination Year - 2019	610	734
Amortized Cost Basis by Origination Year - 2018	321	1,224
Amortized Cost Basis by Origination Year - Prior	3,318	4,381
Amortized Cost Basis by Origination Year - Revolving	2,064	2,337
Total loans	20,835	10,878
Consumer portfolio loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		145
Amortized Cost Basis by Origination Year - 2021	6,070	412
Amortized Cost Basis by Origination Year - 2020	836	308
Amortized Cost Basis by Origination Year - 2019	125	378
Amortized Cost Basis by Origination Year - 2018	141	201
Amortized Cost Basis by Origination Year - Prior	1,283	2,357
Amortized Cost Basis by Origination Year - Revolving	257	356
Total loans	8,712	4,157
Consumer portfolio loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		384
Amortized Cost Basis by Origination Year - 2021	378	760
Amortized Cost Basis by Origination Year - 2020	766	1,044
Amortized Cost Basis by Origination Year - 2019	1,114	838
Amortized Cost Basis by Origination Year - 2018	923	325
Amortized Cost Basis by Origination Year - Prior	8,589	7,531
Amortized Cost Basis by Origination Year - Revolving	215	650
Total loans	11,985	11,532
Consumer portfolio loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2022	58,048	411,728
Amortized Cost Basis by Origination Year - 2021	479,618	204,392
Amortized Cost Basis by Origination Year - 2020	142,322	33,965
Amortized Cost Basis by Origination Year - 2019	24,361	13,429
Amortized Cost Basis by Origination Year - 2018	9,745	8,484
Amortized Cost Basis by Origination Year - Prior	19,473	14,301
Amortized Cost Basis by Origination Year - Revolving	162	162
Total loans	733,729	686,461
Consumer portfolio loans \| Construction and land development \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	58,048	411,728
Amortized Cost Basis by Origination Year - 2021	479,616	204,368
Amortized Cost Basis by Origination Year - 2020	141,951	33,965
Amortized Cost Basis by Origination Year - 2019	24,361	13,429
Amortized Cost Basis by Origination Year - 2018	9,745	8,484
Amortized Cost Basis by Origination Year - Prior	19,470	14,185
Amortized Cost Basis by Origination Year - Revolving	162	162
Total loans	733,353	686,321
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2021	2	24
Amortized Cost Basis by Origination Year - Prior	1
Total loans	3	24
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2020	371
Amortized Cost Basis by Origination Year - Prior		12
Total loans	371	12
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	2	104
Total loans	2	104
Consumer portfolio loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2022	9,101	22,131
Amortized Cost Basis by Origination Year - 2021	22,809	5,620
Amortized Cost Basis by Origination Year - 2020	5,360	4,906
Amortized Cost Basis by Origination Year - 2019	4,073	4,977
Amortized Cost Basis by Origination Year - 2018	4,755	6,303
Amortized Cost Basis by Origination Year - Prior	41,569	37,835
Amortized Cost Basis by Origination Year - Revolving	1,422	1,379
Total loans	89,089	83,151
Consumer portfolio loans \| Other income producing property \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	9,101	22,131
Amortized Cost Basis by Origination Year - 2021	22,809	5,620
Amortized Cost Basis by Origination Year - 2020	5,360	4,906
Amortized Cost Basis by Origination Year - 2019	4,073	4,977
Amortized Cost Basis by Origination Year - 2018	4,755	6,303
Amortized Cost Basis by Origination Year - Prior	41,108	37,575
Amortized Cost Basis by Origination Year - Revolving	1,422	1,379
Total loans	88,628	82,891
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	335	90
Total loans	335	90
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - Prior		156
Total loans		156
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	126	14
Total loans	126	14
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2022	357,337	1,193,038
Amortized Cost Basis by Origination Year - 2021	1,197,504	712,398
Amortized Cost Basis by Origination Year - 2020	662,342	406,281
Amortized Cost Basis by Origination Year - 2019	378,494	247,762
Amortized Cost Basis by Origination Year - 2018	231,085	230,329
Amortized Cost Basis by Origination Year - Prior	956,208	818,509
Amortized Cost Basis by Origination Year - Revolving	66	4
Total loans	3,783,036	3,608,321
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	357,337	1,192,449
Amortized Cost Basis by Origination Year - 2021	1,197,029	710,828
Amortized Cost Basis by Origination Year - 2020	660,950	405,138
Amortized Cost Basis by Origination Year - 2019	376,955	246,487
Amortized Cost Basis by Origination Year - 2018	229,942	228,876
Amortized Cost Basis by Origination Year - Prior	948,311	810,605
Amortized Cost Basis by Origination Year - Revolving	66	4
Total loans	3,770,590	3,594,387
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		354
Amortized Cost Basis by Origination Year - 2021	241	666
Amortized Cost Basis by Origination Year - 2020	750	234
Amortized Cost Basis by Origination Year - 2019	564	472
Amortized Cost Basis by Origination Year - 2018	206	1,068
Amortized Cost Basis by Origination Year - Prior	1,531	2,230
Total loans	3,292	5,024
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2021		330
Amortized Cost Basis by Origination Year - 2020		218
Amortized Cost Basis by Origination Year - 2019		254
Amortized Cost Basis by Origination Year - 2018	129	111
Amortized Cost Basis by Origination Year - Prior	786	928
Total loans	915	1,841
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		235
Amortized Cost Basis by Origination Year - 2021	234	574
Amortized Cost Basis by Origination Year - 2020	642	691
Amortized Cost Basis by Origination Year - 2019	975	549
Amortized Cost Basis by Origination Year - 2018	808	274
Amortized Cost Basis by Origination Year - Prior	5,580	4,746
Total loans	8,239	7,069
Consumer portfolio loans \| Home equity loans
Loans
Amortized Cost Basis by Origination Year - 2022	1,388	7,209
Amortized Cost Basis by Origination Year - 2021	6,484	5,762
Amortized Cost Basis by Origination Year - 2020	4,650	4,985
Amortized Cost Basis by Origination Year - 2019	4,026	2,431
Amortized Cost Basis by Origination Year - 2018	2,283	1,039
Amortized Cost Basis by Origination Year - Prior	27,151	27,358
Amortized Cost Basis by Origination Year - Revolving	1,129,591	1,119,810
Total loans	1,175,573	1,168,594
Consumer portfolio loans \| Home equity loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	1,388	7,128
Amortized Cost Basis by Origination Year - 2021	6,287	5,648
Amortized Cost Basis by Origination Year - 2020	4,538	4,745
Amortized Cost Basis by Origination Year - 2019	3,889	2,180
Amortized Cost Basis by Origination Year - 2018	2,283	993
Amortized Cost Basis by Origination Year - Prior	25,090	24,716
Amortized Cost Basis by Origination Year - Revolving	1,127,814	1,116,621
Total loans	1,171,289	1,162,031
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		6
Amortized Cost Basis by Origination Year - 2021	5	49
Amortized Cost Basis by Origination Year - 2020	72	68
Amortized Cost Basis by Origination Year - 2019		71
Amortized Cost Basis by Origination Year - 2018		24
Amortized Cost Basis by Origination Year - Prior	280	491
Amortized Cost Basis by Origination Year - Revolving	1,515	2,200
Total loans	1,872	2,909
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2021	117
Amortized Cost Basis by Origination Year - 2019	112
Amortized Cost Basis by Origination Year - Prior	118	603
Amortized Cost Basis by Origination Year - Revolving	80	339
Total loans	427	942
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		75
Amortized Cost Basis by Origination Year - 2021	75	65
Amortized Cost Basis by Origination Year - 2020	40	172
Amortized Cost Basis by Origination Year - 2019	25	180
Amortized Cost Basis by Origination Year - 2018		22
Amortized Cost Basis by Origination Year - Prior	1,663	1,548
Amortized Cost Basis by Origination Year - Revolving	182	650
Total loans	1,985	2,712
Consumer portfolio loans \| Consumer loans
Loans
Amortized Cost Basis by Origination Year - 2022	203,365	314,923
Amortized Cost Basis by Origination Year - 2021	402,534	170,010
Amortized Cost Basis by Origination Year - 2020	163,551	128,236
Amortized Cost Basis by Origination Year - 2019	114,444	70,316
Amortized Cost Basis by Origination Year - 2018	62,910	36,555
Amortized Cost Basis by Origination Year - Prior	180,057	155,295
Amortized Cost Basis by Origination Year - Revolving	40,859	29,322
Total loans	1,167,720	904,657
Consumer portfolio loans \| Consumer loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	203,365	314,475
Amortized Cost Basis by Origination Year - 2021	383,890	169,443
Amortized Cost Basis by Origination Year - 2020	162,172	127,757
Amortized Cost Basis by Origination Year - 2019	114,271	69,892
Amortized Cost Basis by Origination Year - 2018	62,668	36,304
Amortized Cost Basis by Origination Year - Prior	177,289	151,948
Amortized Cost Basis by Origination Year - Revolving	40,100	29,168
Total loans	1,143,755	898,987
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		229
Amortized Cost Basis by Origination Year - 2021	12,622	364
Amortized Cost Basis by Origination Year - 2020	830	208
Amortized Cost Basis by Origination Year - 2019	46	191
Amortized Cost Basis by Origination Year - 2018	115	132
Amortized Cost Basis by Origination Year - Prior	1,171	1,570
Amortized Cost Basis by Origination Year - Revolving	549	137
Total loans	15,333	2,831
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		145
Amortized Cost Basis by Origination Year - 2021	5,953	82
Amortized Cost Basis by Origination Year - 2020	465	90
Amortized Cost Basis by Origination Year - 2019	13	124
Amortized Cost Basis by Origination Year - 2018	12	90
Amortized Cost Basis by Origination Year - Prior	379	658
Amortized Cost Basis by Origination Year - Revolving	177	17
Total loans	6,999	1,206
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		74
Amortized Cost Basis by Origination Year - 2021	69	121
Amortized Cost Basis by Origination Year - 2020	84	181
Amortized Cost Basis by Origination Year - 2019	114	109
Amortized Cost Basis by Origination Year - 2018	115	29
Amortized Cost Basis by Origination Year - Prior	1,218	1,119
Amortized Cost Basis by Origination Year - Revolving	33
Total loans	$ 1,633	$ 1,633

Loans - Aging analysis of past

Loans - Aging analysis of past due loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans and Allowance for Loan Losses
Non-Accruing	$ 78,849	$ 75,418
Total loans	26,556,427	23,928,166
30 days past due
Loans and Allowance for Loan Losses
Total loans	52,154	68,136
60 days past due
Loans and Allowance for Loan Losses
Total loans	29,317	33,250
90 days past due
Loans and Allowance for Loan Losses
Total loans	35,586	4,863
Total Past Due
Loans and Allowance for Loan Losses
Total loans	117,057	106,249
Current
Loans and Allowance for Loan Losses
Total loans	26,360,521	23,746,499
Non-acquired loans
Loans and Allowance for Loan Losses
Total loans	16,983,570	16,050,775
Construction and land development
Loans and Allowance for Loan Losses
Non-Accruing	1,339	1,567
Total loans	2,316,313	2,029,216
Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	765	1,176
Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,721	59
Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	25	43
Construction and land development \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	2,511	1,278
Construction and land development \| Current
Loans and Allowance for Loan Losses
Total loans	2,312,463	2,026,371
Commercial non-owner occupied
Loans and Allowance for Loan Losses
Non-Accruing	19,373	19,909
Total loans	7,478,115	6,735,699
Commercial non-owner occupied \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	5,488	3,591
Commercial non-owner occupied \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,251	2,110
Commercial non-owner occupied \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	9,793	96
Commercial non-owner occupied \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	16,532	5,797
Commercial non-owner occupied \| Current
Loans and Allowance for Loan Losses
Total loans	7,442,210	6,709,993
Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Non-Accruing	15,365	14,532
Total loans	5,346,583	4,970,116
Commercial owner occupied real estate loan \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	4,357	2,756
Commercial owner occupied real estate loan \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	4,515	1,732
Commercial owner occupied real estate loan \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	2,547	626
Commercial owner occupied real estate loan \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	11,419	5,114
Commercial owner occupied real estate loan \| Current
Loans and Allowance for Loan Losses
Total loans	5,319,799	4,950,470
Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Non-Accruing	18,080	18,183
Total loans	3,813,163	3,638,364
Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3,060	4,046
Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	312	533
Consumer Owner Occupied Loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	3,372	4,579
Consumer Owner Occupied Loans \| Current
Loans and Allowance for Loan Losses
Total loans	3,791,711	3,615,602
Home equity loans
Loans and Allowance for Loan Losses
Non-Accruing	6,470	6,255
Total loans	1,175,573	1,168,594
Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,339	2,565
Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	217	913
Home equity loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	1,556	3,478
Home equity loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,167,547	1,158,861
Commercial and industrial
Loans and Allowance for Loan Losses
Non-Accruing	9,925	7,441
Total loans	4,566,641	3,761,133
Commercial and industrial \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	20,528	50,451
Commercial and industrial \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	12,035	26,639
Commercial and industrial \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	22,984	3,991
Commercial and industrial \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	55,547	81,081
Commercial and industrial \| Current
Loans and Allowance for Loan Losses
Total loans	4,501,169	3,672,611
Other income producing property
Loans and Allowance for Loan Losses
Non-Accruing	4,909	4,075
Total loans	680,342	696,804
Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,543	879
Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	2,400	424
Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	236	106
Other income producing property \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	4,179	1,409
Other income producing property \| Current
Loans and Allowance for Loan Losses
Total loans	671,254	691,320
Consumer loans
Loans and Allowance for Loan Losses
Non-Accruing	3,388	3,456
Total loans	1,167,720	904,657
Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	15,074	2,672
Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	6,866	840
Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1	1
Consumer loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	21,941	3,513
Consumer loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,142,391	897,688
Other loans
Loans and Allowance for Loan Losses
Total loans	11,977	23,583
Other loans \| Current
Loans and Allowance for Loan Losses
Total loans	11,977	23,583
Commercial loans
Loans and Allowance for Loan Losses
Total loans	19,607,280	17,476,982
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	1,582,584	1,342,755
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Total loans	7,478,115	6,735,699
Commercial loans \| Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Total loans	5,346,583	4,970,116
Commercial loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	30,127	30,043
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans	4,566,641	3,761,133
Commercial loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	591,253	613,653
Commercial loans \| Other loans
Loans and Allowance for Loan Losses
Total loans	11,977	23,583
Consumer portfolio loans
Loans and Allowance for Loan Losses
Total loans	6,949,147	6,451,184
Consumer portfolio loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	20,835	10,878
Consumer portfolio loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	8,712	4,157
Consumer portfolio loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	11,985	11,532
Consumer portfolio loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	733,729	686,461
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3	24
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	371	12
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	2	104
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	3,783,036	3,608,321
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3,292	5,024
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	915	1,841
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	8,239	7,069
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans	1,175,573	1,168,594
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,872	2,909
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	427	942
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1,985	2,712
Consumer portfolio loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	89,089	83,151
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	335	90
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans		156
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	126	14
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans	1,167,720	904,657
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	15,333	2,831
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	6,999	1,206
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	$ 1,633	$ 1,633

Loans - Nonaccrual loans (Detai

Loans - Nonaccrual loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans
Total loans on nonaccrual status	$ 78,849	$ 75,418
Greater than 90 Days Accruing	35,586
Non-accrual with no allowance	17,284
Other income producing property
Loans
Total loans on nonaccrual status	4,909	4,075
Greater than 90 Days Accruing	236
Non-accrual with no allowance	892
Commercial loans \| Construction and land development
Loans
Total loans on nonaccrual status	1,339	1,567
Greater than 90 Days Accruing	25
Non-accrual with no allowance	15
Commercial loans \| Commercial non-owner occupied
Loans
Total loans on nonaccrual status	19,373	19,909
Greater than 90 Days Accruing	9,793
Non-accrual with no allowance	9,432
Commercial loans \| Commercial owner occupied real estate loan
Loans
Total loans on nonaccrual status	15,365	14,532
Greater than 90 Days Accruing	2,547
Non-accrual with no allowance	6,474
Commercial loans \| Commercial and industrial
Loans
Total loans on nonaccrual status	9,925	7,441
Greater than 90 Days Accruing	22,984
Non-accrual with no allowance	423
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans
Total loans on nonaccrual status	18,080	18,183
Consumer portfolio loans \| Home equity loans
Loans
Total loans on nonaccrual status	6,470	6,255
Non-accrual with no allowance	48
Consumer portfolio loans \| Consumer loans
Loans
Total loans on nonaccrual status	3,388	$ 3,456
Greater than 90 Days Accruing	$ 1

Loans - Collateral Dependent Lo

Loans - Collateral Dependent Loans (Details) - USD ($)	3 Months Ended	12 Months Ended
Loans - Collateral Dependent Loans (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2020	Mar. 31, 2020
Loans
Loans individually evaluated for impairment			$ 1,000,000	$ 500,000
Decrease in overall collateral dependent loans	$ (4,000,000)
Commercial non-owner occupied
Loans
Collateral dependent loans	11,379,000	$ 15,380,000
Collateral Coverage	14,453,000	28,238,000
Commercial non-owner occupied \| Hotel
Loans
Collateral dependent loans		1,822,000
Collateral Coverage		$ 4,100,000
Collateral Coverage (as a percent)		225.00%
Commercial non-owner occupied \| Other
Loans
Collateral dependent loans	6,823,000	$ 6,949,000
Collateral Coverage	$ 9,810,000	$ 9,630,000
Collateral Coverage (as a percent)	144.00%	139.00%
Commercial owner occupied real estate loan \| Church
Loans
Collateral dependent loans		$ 1,953,000
Collateral Coverage		$ 2,308,000
Collateral Coverage (as a percent)		118.00%
Commercial owner occupied real estate loan \| Other
Loans
Collateral dependent loans	$ 4,556,000	$ 4,656,000
Collateral Coverage	$ 4,643,000	$ 12,200,000
Collateral Coverage (as a percent)	102.00%	262.00%

Loans - Loans Designated as TDR

Loans - Loans Designated as TDRs (Details)	3 Months Ended
Loans - Loans Designated as TDRs (Details)	Mar. 31, 2022USD ($)loan	Mar. 31, 2021USD ($)loan
Loans Designated as TDRs
Number of loans \| loan	14	2
Pre-Modification Amortized Cost	$ 3,787,000	$ 338,000
Post-Modification Amortized Cost	3,787,000	338,000
Balance of accruing TDRs	12,400,000	14,500,000
Remaining availability under commitments to lend additional funds on restructured loans	768,000	791,000
Specific reserve associated with restructured loans that subsequently defaulted	$ 4,200,000	$ 2,400,000
Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	11	1
Pre-Modification Amortized Cost	$ 1,290,000	$ 298,000
Post-Modification Amortized Cost	$ 1,290,000	$ 298,000
Term modification
Loans Designated as TDRs
Number of loans \| loan	3	1
Pre-Modification Amortized Cost	$ 2,497,000	$ 40,000
Post-Modification Amortized Cost	$ 2,497,000	$ 40,000
Construction and land development \| Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	1
Pre-Modification Amortized Cost	$ 120,000
Post-Modification Amortized Cost	$ 120,000
Construction and land development \| Term modification
Loans Designated as TDRs
Number of loans \| loan	1
Pre-Modification Amortized Cost	$ 141,000
Post-Modification Amortized Cost	$ 141,000
Commercial non-owner occupied \| Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	1
Pre-Modification Amortized Cost	$ 187,000
Post-Modification Amortized Cost	$ 187,000
Commercial owner occupied real estate loan \| Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	2
Pre-Modification Amortized Cost	$ 268,000
Post-Modification Amortized Cost	$ 268,000
Commercial owner occupied real estate loan \| Term modification
Loans Designated as TDRs
Number of loans \| loan	2
Pre-Modification Amortized Cost	$ 2,356,000
Post-Modification Amortized Cost	$ 2,356,000
Consumer Owner Occupied Loans \| Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	1
Pre-Modification Amortized Cost	$ 99,000
Post-Modification Amortized Cost	$ 99,000
Commercial and industrial \| Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	4
Pre-Modification Amortized Cost	$ 497,000
Post-Modification Amortized Cost	$ 497,000
Commercial and industrial \| Term modification
Loans Designated as TDRs
Number of loans \| loan		1
Pre-Modification Amortized Cost		$ 40,000
Post-Modification Amortized Cost		$ 40,000
Other income producing property \| Interest rate modification
Loans Designated as TDRs
Number of loans \| loan	2	1
Pre-Modification Amortized Cost	$ 119,000	$ 298,000
Post-Modification Amortized Cost	$ 119,000	$ 298,000

Loans - Changes in Status of Lo

Loans - Changes in Status of Loans (Details) $ in Thousands	3 Months Ended
Loans - Changes in Status of Loans (Details) $ in Thousands	Mar. 31, 2022USD ($)loan
Loans Designated as TDRs
Paying under restructured terms - Number of Loans \| loan	18
Paying under restructured terms - Amortized Cost \| $	$ 4,589
Interest rate modification
Loans Designated as TDRs
Paying under restructured terms - Number of Loans \| loan	14
Paying under restructured terms - Amortized Cost \| $	$ 1,783
Term modification
Loans Designated as TDRs
Paying under restructured terms - Number of Loans \| loan	4
Paying under restructured terms - Amortized Cost \| $	$ 2,806

Allowance for Credit Losses (_3

Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands	Mar. 01, 2022	Mar. 31, 2022	Mar. 31, 2021
Allowance for credit losses
Balance at beginning of period		$ 301,807	$ 457,309
Charge-offs		(5,490)	(3,374)
Recoveries		3,167	3,395
Net (charge-offs) recoveries		(2,323)	21
(Recovery) provision		(22,003)	(50,870)
Balance at end of period		300,396	406,460
Quantitative allowance
Collectively evaluated		288,316	367,890
Individually evaluated		8,431	4,395
Total quantitative allowance		296,747	372,285
Qualitative allowance		3,649	34,175
Unfunded Commitment
Allowance for credit losses
(Recovery) provision		(142)	7,500
Initial PCD Allowance
Allowance for credit losses
Balance at end of period		9,218
Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		13,697
Residential Mortgage Sr.
Allowance for credit losses
Balance at beginning of period		47,036	63,561
Charge-offs		(58)	(120)
Recoveries		394	428
Net (charge-offs) recoveries		336	308
(Recovery) provision		(1,806)	(827)
Balance at end of period		46,002	63,042
Quantitative allowance
Collectively evaluated		45,805	55,336
Individually evaluated		168	378
Total quantitative allowance		45,973	55,714
Qualitative allowance		29	7,328
Residential Mortgage Sr. \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period		84
Residential Mortgage Sr. \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		352
Residential Mortgage Jr.
Allowance for credit losses
Balance at beginning of period		611	1,238
Charge-offs		(19)
Recoveries		55	33
Net (charge-offs) recoveries		36	33
(Recovery) provision		(87)	(81)
Balance at end of period		586	1,190
Quantitative allowance
Collectively evaluated		586	1,190
Total quantitative allowance		586	1,190
Residential Mortgage Jr. \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		26
HELOC
Allowance for credit losses
Balance at beginning of period		13,325	16,698
Charge-offs		(218)	(169)
Recoveries		257	417
Net (charge-offs) recoveries		39	248
(Recovery) provision		175	(943)
Balance at end of period		13,671	16,003
Quantitative allowance
Collectively evaluated		12,301	14,210
Individually evaluated		1,357	165
Total quantitative allowance		13,658	14,375
Qualitative allowance		13	1,628
HELOC \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		132
Residential Construction
Allowance for credit losses
Balance at beginning of period		4,997	4,914
Recoveries		3	1
Net (charge-offs) recoveries		3	1
(Recovery) provision		614	(1,023)
Balance at end of period		5,616	3,892
Quantitative allowance
Collectively evaluated		5,616	3,830
Total quantitative allowance		5,616	3,830
Qualitative allowance			62
Residential Construction \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		2
Other C&D
Allowance for credit losses
Balance at beginning of period		37,593	67,197
Charge-offs		(4)	(10)
Recoveries		234	201
Net (charge-offs) recoveries		230	191
(Recovery) provision		(14,438)	(12,051)
Balance at end of period		25,358	55,337
Quantitative allowance
Collectively evaluated		24,770	55,234
Individually evaluated		588	103
Total quantitative allowance		25,358	55,337
Other C&D \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period		86
Other C&D \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		1,887
Consumer
Allowance for credit losses
Balance at beginning of period		23,149	26,562
Charge-offs		(2,661)	(2,149)
Recoveries		532	510
Net (charge-offs) recoveries		(2,129)	(1,639)
(Recovery) provision		828	2,960
Balance at end of period		21,899	27,883
Quantitative allowance
Collectively evaluated		21,899	21,334
Total quantitative allowance		21,899	21,334
Qualitative allowance			6,549
Consumer \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		51
Multifamily
Allowance for credit losses
Balance at beginning of period		4,921	7,887
(Recovery) provision		(1,444)	(2,003)
Balance at end of period		3,903	5,884
Quantitative allowance
Collectively evaluated		3,903	5,884
Total quantitative allowance		3,903	5,884
Multifamily \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		426
Municipal
Allowance for credit losses
Balance at beginning of period		565	1,510
(Recovery) provision		42	34
Balance at end of period		607	1,544
Quantitative allowance
Collectively evaluated		607	817
Total quantitative allowance		607	817
Qualitative allowance			727
CRE Owner Occupied
Allowance for credit losses
Balance at beginning of period		61,794	97,104
Charge-offs		(371)	(27)
Recoveries		314	333
Net (charge-offs) recoveries		(57)	306
(Recovery) provision		(16,641)	(6,750)
Balance at end of period		49,094	90,660
Quantitative allowance
Collectively evaluated		45,302	83,115
Individually evaluated		2,960	3,315
Total quantitative allowance		48,262	86,430
Qualitative allowance		832	4,230
CRE Owner Occupied \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period		1,479
CRE Owner Occupied \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		2,519
Non Owner Occupied CRE
Allowance for credit losses
Balance at beginning of period		79,649	124,421
Charge-offs			(194)
Recoveries		69	321
Net (charge-offs) recoveries		69	127
(Recovery) provision		13,945	(16,989)
Balance at end of period		96,360	107,559
Quantitative allowance
Collectively evaluated		95,051	100,267
Individually evaluated			35
Total quantitative allowance		95,051	100,302
Qualitative allowance		1,309	7,257
Non Owner Occupied CRE \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		2,697
C & I
Allowance for credit losses
Balance at beginning of period		28,167	46,217
Charge-offs		(2,159)	(705)
Recoveries		1,309	1,151
Net (charge-offs) recoveries		(850)	446
(Recovery) provision		(3,191)	(13,197)
Balance at end of period		37,300	33,466
Quantitative allowance
Collectively evaluated		32,476	26,673
Individually evaluated		3,358	399
Total quantitative allowance		35,834	27,072
Qualitative allowance		1,466	$ 6,394
C & I \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period		7,569
C & I \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period		5,605
Atlantic Capital
Allowance for credit losses
Charge-offs	$ (22,100)
Atlantic Capital \| Unfunded Commitment
Allowance for credit losses
(Recovery) provision		$ 3,400

Other Real Estate Owned and B_3

Other Real Estate Owned and Bank Premises Held for Sale (Details)	3 Months Ended
	Mar. 31, 2022USD ($)property	Dec. 31, 2021property
OREO and Bank Premises
Balance at the beginning of the period	$ 12,314,000
Additions, net	2,411,000
Write-downs	(195,000)
Sold	(4,823,000)
Balance at the end of the period	$ 9,707,000
Number of properties held \| property	15	12
Number of properties premises held for sale \| property	8	9
Residential real estate consumer mortgage loans in foreclosure, carrying value	$ 4,600,000
OREO
OREO and Bank Premises
Balance at the beginning of the period	2,736,000
Additions, net	1,151,000
Write-downs	(67,000)
Sold	(530,000)
Balance at the end of the period	3,290,000
Bank Premises Held for Sale
OREO and Bank Premises
Balance at the beginning of the period	9,578,000
Additions, net	1,260,000
Write-downs	(128,000)
Sold	(4,293,000)
Balance at the end of the period	6,417,000
Residential real estate
OREO and Bank Premises
Other Real Estate In Foreclosure	$ 717,000

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	3 Months Ended
Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Lessee, Lease, Description [Line Items]
Right to use asset	$ 118,400	$ 110,300
Lease Liability	$ 125,919	$ 115,900
Existence of option to extend	true
Lessee, Operating Leases Liability Not Yet Commenced	$ 0
Maximum
Lessee, Lease, Description [Line Items]
Renewal term	22 years

Leases - Lease cost and other i

Leases - Lease cost and other information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Lease Cost Components:
Amortization of ROU assets - finance leases	$ 117	$ 117
Interest on lease liabilities - finance leases	13	15
Operating lease cost (cost resulting from lease payments)	4,333	4,343
Short-term lease expense	143	135
Variable lease cost (cost excluded from lease payments)	437	648
Total lease cost	5,043	5,258
Supplemental Cash Flow and Other Information Related to Leases:
Finance lease - operating cash flows	13	15
Finance lease - financing cash flows	108	106
Operating lease - operating cash flows (fixed payments)	4,181	4,140
Operating lease - operating cash flows (net change asset/liability)	(3,303)	(3,220)
New ROU assets - operating leases	$ 12,428	$ 1,298
Weighted - average remaining lease term (years) - finance leases	6 years 2 months 1 day	7 years 1 month 28 days
Weighted - average remaining lease term (years) - Operating leases	10 years 5 months 19 days	11 years 3 months 18 days
Weighted - average discount rate - finance leases	1.70%	1.70%
Weighted - average discount rate - Operating leases	3.00%	3.30%
Maturity Analysis of Lease Liabilities:
2022 (excluding the quarter ended March 31, 2022)	$ 12,844
2023	16,367
2024	14,987
2025	13,559
2026	12,997
Thereafter	79,262
Total undiscounted cash flows	150,016
Discount on cash flows	(24,097)
Total operating lease liabilities	$ 125,919		$ 115,900

Deposits - Total deposits (Deta

Deposits - Total deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Deposits
Non-interest bearing checking	$ 14,052,332	$ 11,498,840
Interest-bearing checking	9,275,208	9,018,987
Savings	3,479,743	3,350,547
Money market	9,140,005	8,376,380
Time deposits	2,828,542	2,810,075
Total deposits	$ 38,775,830	$ 35,054,829

Deposits - Certificates of depo

Deposits - Certificates of deposits and Scheduled maturities of time deposits (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Deposits
Aggregate amounts of certificates of deposits in denominations of $250,000 or more	$ 576.5	$ 603.2
Traditional, out-of-market brokered deposits	$ 150.1	$ 325

Retirement Plans - Safe Harbor

Retirement Plans - Safe Harbor plan (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Employees' savings plan
Matching contribution by the company (as a percent)	100.00%
Expenses recognized under 401(K) plan	$ 4	$ 4.3
Minimum
Employees' savings plan
Age of employees to be eligible to participate in the defined contribution plan	21 years
Percentage of annual base compensation that participants may elect to contribute	1.00%
Maximum
Employees' savings plan
Percentage of annual base compensation that participants may elect to contribute	50.00%
Percentage of employees salary for which the company contributes a matching contribution	4.00%
Discretionary matching contribution (as a percent)	2.00%

Earnings Per Share - Computatio

Earnings Per Share - Computation of basic and diluted EPS (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Basic earnings per common share:
Net income	$ 100,329	$ 146,949
Weighted-average basic common shares	71,447	71,009
Basic earnings per common share (in dollars per share)	$ 1.40	$ 2.07
Diluted earnings per common share:
Net income	$ 100,329	$ 146,949
Weighted-average basic common shares	71,447	71,009
Effect of dilutive securities (in shares)	664	475
Weighted-average dilutive shares	72,111	71,484
Diluted earnings per common share (in dollars per share)	$ 1.39	$ 2.06

Earnings Per Share - Calculatio

Earnings Per Share - Calculation of diluted EPS under Treasury method (Details) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share
Number of shares	57,169	62,235
Range of exercise prices, low end of range (in dollars per share)	$ 87.30	$ 87.30
Range of exercise prices, high end of range (in dollars per share)	$ 91.35	$ 91.35

Share-Based Compensation - Stoc

Share-Based Compensation - Stock Options (Details)	3 Months Ended	17 Months Ended	38 Months Ended	122 Months Ended
Share-Based Compensation - Stock Options (Details)	Mar. 31, 2022USD ($)$ / sharesshares	Mar. 31, 2022USD ($)$ / sharesshares	Mar. 31, 2022USD ($)$ / sharesshares	Mar. 31, 2022USD ($)$ / sharesshares
Additional disclosures
Intrinsic value of stock option shares exercised \| $	$ 418,000
2004 plan
Additional disclosures
Granted (in shares)				0
2012 plan
Additional disclosures
Granted (in shares)			0
2019 plan
Additional disclosures
Granted (in shares)		0
2020 plan
Share-Based Compensation
Number of shares registered	2,072,245	2,072,245	2,072,245	2,072,245
Stock Options
Share-Based Compensation
Vesting percentage	25.00%
Vesting period	4 years
Expiration period	10 years
Number of shares
Outstanding at the beginning of the period (in shares)	185,125
Assumed stock options and warrants from ACBI merger (in shares)	23,410
Exercised (in shares)	(9,703)
Expired (in shares)	(14)
Outstanding at the end of the period (in shares)	198,818	198,818	198,818	198,818
Exercisable at the end of the period (in shares)	198,818	198,818	198,818	198,818
Weighted-Average Exercise Price
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 63.03
Assumed stock options and warrants from ACBI merger (in dollars per share) \| $ / shares	40.73
Exercised (in dollars per share) \| $ / shares	42.25
Expired (in dollars per share) \| $ / shares	33.02
Outstanding at the end of the period (in dollars per share) \| $ / shares	61.42	$ 61.42	$ 61.42	$ 61.42
Exercisable at the end of the period (in dollars per share) \| $ / shares	$ 61.42	$ 61.42	$ 61.42	$ 61.42
Weighted-Average Remaining Contractual Life
Outstanding at the end of the period	3 years 9 months 10 days
Exercisable at the end of the period	3 years 9 months 10 days
Aggregate Intrinsic Value
Outstanding at the end of the period \| $	$ 4,554,000	$ 4,554,000	$ 4,554,000	$ 4,554,000
Exercisable at the end of the period \| $	$ 4,554,000	4,554,000	4,554,000	4,554,000
Additional disclosures
Granted (in shares)	0
Total unrecognized compensation cost related to non vested stock option grants \| $	$ 0	$ 0	$ 0	$ 0

Share-Based Compensation - Rest

Share-Based Compensation - Restricted Stock (Details) - Restricted Stock	3 Months Ended
	Mar. 31, 2022USD ($)$ / sharesshares
Restricted Stock Activity
Outstanding at the beginning of the period (in shares) \| shares	3,066
Assumed restricted stock shares from ACBI merger (in shares) \| shares	84,224
Vested (in shares) \| shares	(1,916)
Outstanding at the end of the period (in shares) \| shares	85,374
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 67.31
Assumed restricted stock shares from ACBI merger (in dollars per share) \| $ / shares	90
Vested (in dollars per share) \| $ / shares	90
Outstanding at the end of the period (in dollars per share) \| $ / shares	$ 89.19
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 5,700,000
Weighted-average period over which unrecognized compensation cost is expected to be recognized	1 year 8 months 12 days
Total fair value of shares vested during the period \| $	$ 172,440
Employees
Share-Based Compensation
Vesting period	4 years
Non-employee directors
Share-Based Compensation
Vesting period	12 months

Share-Based Compensation - Re_2

Share-Based Compensation - Restricted Stock Units (Details) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)$ / sharesshares
Restricted Stock Units
RSU Activity
Outstanding at the beginning of the period (in shares)	948,213
Assumed restricted stock units from ACBI merger (in shares)	55,736
Granted (in shares)	282,952
Vested (in shares)	(128,302)
Forfeited (in shares)	(1,464)
Outstanding at the end of the period (in shares)	1,157,135
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 67.01
Assumed restricted stock units from ACBI merger (in dollars per share) \| $ / shares	87.94
Granted (in dollars per share) \| $ / shares	83.50
Vested (in dollars per share) \| $ / shares	67.46
Forfeited (in dollars per share) \| $ / shares	87.88
Outstanding at the end of the period (in dollars per share) \| $ / shares	$ 71.88
Additional disclosures
Options vested (in shares)	55,246
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 43.7
Weighted-average period over which unrecognized compensation cost is expected to be recognized	1 year 3 months 18 days
Total fair value of shares vested during the period \| $	$ 8.7
Performance based restricted stock units
Share-Based Compensation
Performance period	3 years
Other Performance based restricted stock units \| Minimum
Share-Based Compensation
Performance period	1 year
Other Performance based restricted stock units \| Maximum
Share-Based Compensation
Performance period	2 years
Timed based restricted stock units \| Minimum
Share-Based Compensation
Vesting period	2 years
Timed based restricted stock units \| Maximum
Share-Based Compensation
Vesting period	4 years

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Millions	Mar. 31, 2022USD ($)
Commitments and Contingent Liabilities
Commitments to extend credit and standby letters of credit	$ 9,300
Liability Recorded for Expected Credit Losses on Unfunded Commitments	$ 30.4

Fair Value - Assets and liabili

Fair Value - Assets and liabilities measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Assets
Trading securities	$ 74,234	$ 77,689
Securities available for sale	5,924,206	5,193,478
U.S. Treasuries
Assets
Securities available for sale	268,581
U.S. Government agencies
Assets
Trading securities	14,801	5,154
Securities available for sale	179,942	97,117
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	26,484	6,853
Securities available for sale	2,013,904	1,831,039
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	10,973	29,667
Securities available for sale	1,151,860	1,207,241
State and municipal obligations
Assets
Trading securities	12,078	20,798
Securities available for sale	1,127,697	812,689
Corporate securities.
Assets
Securities available for sale	30,160	18,734
Significant Other Observable Inputs (Level 2)
Assets
Loans held for sale	130,376	191,723
Trading securities	74,234	77,689
Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	83,339	65,620
Changes in fair value of assets
Changes in hierarchy classifications of Level 3 assets	0
Changes in hierarchy classifications of Level 3 liabilities	0
Recurring basis
Assets
Derivative financial instruments	412,815	414,742
Loans held for sale	130,376	191,723
Trading securities	74,234	77,689
Securities available for sale	5,924,206	5,193,478
Mortgage servicing rights	83,339	65,620
Fair value of Assets, Total	6,624,970	5,943,252
Liabilities
Derivative financial instruments	412,168	410,137
Recurring basis \| U.S. Treasuries
Assets
Securities available for sale	268,581
Recurring basis \| U.S. Government agencies
Assets
Securities available for sale	179,942	97,117
Recurring basis \| Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	2,013,904	1,831,039
Recurring basis \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	694,705	725,995
Recurring basis \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,151,860	1,207,241
Recurring basis \| State and municipal obligations
Assets
Securities available for sale	1,127,697	812,689
Recurring basis \| Mortgage-backed securities
Assets
Securities available for sale	457,357	500,663
Recurring basis \| Corporate securities.
Assets
Securities available for sale	30,160	18,734
Recurring basis \| Significant Other Observable Inputs (Level 2)
Assets
Derivative financial instruments	412,815	414,742
Loans held for sale	130,376	191,723
Trading securities	74,234	77,689
Securities available for sale	5,924,206	5,193,478
Fair value of Assets, Total	6,541,631	5,877,632
Liabilities
Derivative financial instruments	412,168	410,137
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Treasuries
Assets
Securities available for sale	268,581
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Government agencies
Assets
Securities available for sale	179,942	97,117
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	2,013,904	1,831,039
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	694,705	725,995
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,151,860	1,207,241
Recurring basis \| Significant Other Observable Inputs (Level 2) \| State and municipal obligations
Assets
Securities available for sale	1,127,697	812,689
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Mortgage-backed securities
Assets
Securities available for sale	457,357	500,663
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Corporate securities.
Assets
Securities available for sale	30,160	18,734
Recurring basis \| Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	83,339	65,620
Fair value of Assets, Total	83,339	$ 65,620
Changes in fair value of assets
Fair value of assets at the beginning of the period	65,620
Servicing assets that resulted from transfers of financial assets	7,122
Changes in fair value assets due to valuation inputs or assumptions	12,827
Changes in fair value due to decay	(2,230)
Fair value of assets at the end of the period	83,339
Unrealized losses included in accumulated other comprehensive income related to Level 3 financial assets and liabilities	$ 0

Fair Value - Assets and liabi_2

Fair Value - Assets and liabilities measured at fair value on a nonrecurring basis (Details) $ in Thousands	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Fair Value
OREO	$ 3,290	$ 2,736
Individually evaluated loans	78,849	75,418
Nonrecurring basis \| OREO \| Fair Value
Fair Value
OREO	3,290	2,736
Nonrecurring basis \| Bank property held for sale \| Fair Value
Fair Value
Bank property held for sale	6,417	9,578
Nonrecurring basis \| Non-acquired impaired loans \| Fair Value
Fair Value
Individually evaluated loans	$ 4,527	$ 20,802
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Impaired loans
Quantitative Information about Level 3 Fair Value Measurements
Long-term Debt, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Long-term Debt, Measurement Input [Extensible List]	us-gaap:MeasurementInputDiscountRateMember	us-gaap:MeasurementInputDiscountRateMember
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Impaired loans \| Weighted average
Quantitative Information about Level 3 Fair Value Measurements
Discount rate (as a percent)	0.13	0.09
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| OREO
Fair Value
OREO	$ 3,290	$ 2,736
Quantitative Information about Level 3 Fair Value Measurements
Long-term Debt, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Long-term Debt, Measurement Input [Extensible List]	us-gaap:MeasurementInputCostToSellMember	us-gaap:MeasurementInputCostToSellMember
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| OREO \| Weighted average
Quantitative Information about Level 3 Fair Value Measurements
Discount rate (as a percent)	0.19	0.24
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Bank property held for sale
Fair Value
Bank property held for sale	$ 6,417	$ 9,578
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Non-acquired impaired loans
Fair Value
Individually evaluated loans	$ 4,527	$ 20,802

Fair Value - Estimated fair val

Fair Value - Estimated fair value and related carrying amount, of the Company's financial instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financial assets:
Trading securities	$ 74,234		$ 77,689
Financial liabilities:
Other derivative financial instruments (mortgage banking related)	(1,968)	$ (402,575)
Carrying Amount
Financial assets:
Cash and cash equivalents	6,032,606		6,843,147
Trading securities	74,234		77,689
Investment securities	8,931,233		7,173,947
Loans held for sale	130,376		191,723
Loans, net of allowance for credit losses	26,256,031		23,626,359
Accrued interest receivable	106,396		90,069
Mortgage servicing rights	83,339		65,620
Interest rate swap - non-designated hedge	408,434		408,776
Other derivative financial instruments (mortgage banking related)	4,381		5,966
Financial liabilities:
Deposits	38,775,830		35,054,829
Federal funds purchased and securities sold under agreements to repurchase	770,409		781,239
Other borrowings	405,553		327,066
Accrued interest payable	6,644		3,345
Interest rate swap - non-designated hedge	409,084		410,137
Other derivative financial instruments (mortgage banking related)	3,084
Fair Value
Financial assets:
Cash and cash equivalents	6,032,606		6,843,147
Trading securities	74,234		77,689
Investment securities	8,733,959		7,132,110
Loans held for sale	130,376		191,723
Loans, net of allowance for credit losses	26,434,330		23,921,372
Accrued interest receivable	106,396		90,069
Mortgage servicing rights	83,339		65,620
Interest rate swap - non-designated hedge	408,434		408,776
Other derivative financial instruments (mortgage banking related)	4,381		5,966
Financial liabilities:
Deposits	38,737,371		35,050,516
Federal funds purchased and securities sold under agreements to repurchase	770,409		781,239
Other borrowings	399,125		334,640
Accrued interest payable	6,644		3,345
Interest rate swap - non-designated hedge	409,084		410,137
Other derivative financial instruments (mortgage banking related)	3,084
Commitments to extend credit \| Fair Value
Financial liabilities:
Commitments to extend credit	63,247		93,501
Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	6,032,606		6,843,147
Investment securities	179,258		160,568
Significant Other Observable Inputs (Level 2)
Financial assets:
Trading securities	74,234		77,689
Investment securities	8,554,701		6,971,542
Loans held for sale	130,376		191,723
Accrued interest receivable	25,425		19,241
Interest rate swap - non-designated hedge	408,434		408,776
Other derivative financial instruments (mortgage banking related)	4,381		5,966
Financial liabilities:
Deposits	38,737,371		35,050,516
Federal funds purchased and securities sold under agreements to repurchase	770,409		781,239
Other borrowings	399,125		334,640
Accrued interest payable	6,644		3,345
Interest rate swap - non-designated hedge	409,084		410,137
Other derivative financial instruments (mortgage banking related)	3,084
Significant Other Observable Inputs (Level 2) \| Commitments to extend credit
Financial liabilities:
Commitments to extend credit	63,247		93,501
Significant Unobservable Inputs (Level 3)
Financial assets:
Loans, net of allowance for credit losses	26,434,330		23,921,372
Accrued interest receivable	80,971		70,828
Mortgage servicing rights	$ 83,339		$ 65,620

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive (Loss) Income - Changes in components of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	$ (21,146)
Net comprehensive (loss) income	(272,810)	$ (48,620)
Balance at the end of the period	(293,956)
Other comprehensive (loss) income before reclassifications	0	0
Benefit Plans
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	57	(151)
Balance at the end of the period	57	(151)	$ (151)
Unrealized Gains and (Losses) on Securities Available for Sale
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(21,203)	47,740
Other comprehensive loss before reclassifications	(272,810)		(48,620)
Net comprehensive (loss) income	(272,810)	(48,620)
Balance at the end of the period	(294,013)	(880)	47,740
Accumulated Other Comprehensive (Loss) Gain
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(21,146)	47,589
Other comprehensive loss before reclassifications	(272,810)		(48,620)
Net comprehensive (loss) income	(272,810)	(48,620)
Balance at the end of the period	$ (293,956)	$ (1,031)	$ 47,589

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($)	3 Months Ended		12 Months Ended
Derivative Financial Instruments (Details) - USD ($)	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Derivative Financial Instruments
Notional Amount	$ 21,791,262,000		$ 21,351,715,000
Estimated Fair Value Gain	413,388,000		414,742,000
Estimated Fair Value Loss	412,740,000		410,137,000
Gain or loss recorded	41,000	$ 0
Interest Rate Derivatives, at Fair Value, Net	4,000		5,000
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Fair value of forward commitments	(412,168,000)		(410,137,000)
Other Liabilities
Derivative Financial Instruments
Interest Rate Derivative Liabilities, at Fair Value	409,000,000		408,800,000
Other Assets
Derivative Financial Instruments
Interest Rate Derivative Assets, at Fair Value	409,000,000		408,800,000
Mortgage loan pipeline
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	263,976,000		264,000,000
Expected closures
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	241,672,000		233,265,000
Cash flow hedge \| Cash and Cash Equivalents \| Borrower
Derivative Financial Instruments
Collateral provided	29,800,000
Cash flow hedge \| Interest-bearing deposits (Liability) \| Counterparty
Derivative Financial Instruments
Cash collateral	124,800,000
Interest rate contracts
Derivative Financial Instruments
Notional Amount	21,400,000,000		20,800,000,000
Mortgage servicing rights hedging \| Non-designated hedges
Derivative Financial Instruments
Notional Amount	85,000,000		205,000,000
Estimated gain (loss) on fair value	(3,100,000)		1,200,000
Mortgage servicing rights hedging \| Non-designated hedges \| Other Assets and Other Liabilities
Derivative Financial Instruments
Notional Amount	85,000,000		205,000,000
Estimated Fair Value Gain			1,228,000
Estimated Fair Value Loss	3,084,000
Mortgage loan pipeline commitments hedging
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	256,000		4,759,000
Mortgage loan pipeline commitments hedging \| Non-designated hedges \| Other Assets
Derivative Financial Instruments
Notional Amount	277,500,000		324,000,000
Estimated Fair Value Gain	4,381,000		4,738,000
Forward commitments
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	277,500,000		324,000,000
Fair value of forward commitments	4,124,000		(21,000)
Customer swaps \| Cash flow hedge \| Investment securities - available for sale
Derivative Financial Instruments
Collateral provided	262,100,000
Foreign exchange swaps
Derivative Financial Instruments
Gain or loss recorded	0	$ 0
Interest rate swap \| Fair Value Hedging \| Counterparty
Derivative Financial Instruments
Notional Amount	18,100,000		15,700,000
Interest rate swap \| Fair Value Hedging \| Other Liabilities \| Counterparty
Derivative Financial Instruments
Notional Amount	18,078,000		15,716,000
Estimated Fair Value Loss	645,000		1,355,000
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Borrower
Derivative Financial Instruments
Notional Amount	10,706,435,000		10,404,605,000
Estimated Fair Value Gain	106,122,000		408,776,000
Estimated Fair Value Loss	363,248,000		69,998,000
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Counterparty
Derivative Financial Instruments
Notional Amount	10,704,249,000		10,402,394,000
Estimated Fair Value Gain	302,885,000
Estimated Fair Value Loss	$ 45,763,000		$ 338,784,000

Capital Ratios (Details)

Capital Ratios (Details) - USD ($) $ in Thousands	3 Months Ended
Capital Ratios (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020	Jan. 01, 2020	Jan. 01, 2019
Capital ratios
Capital conversion buffer common equity Tier 1 of risk-weighted assets (as a percent)						2.50%
Additional allowance for credit losses for loans	$ 300,396	$ 301,807	$ 406,460	$ 457,309
Deferred tax assets	136,078	64,964
Additional reserve for unfunded commitments	30,400
Retained earnings	$ 1,064,064	997,657
Phasing out percentage	25.00%
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount	$ 3,472,948	$ 3,201,644
Actual, Ratio (as a percent)	11.37%	11.75%
Minimum capital required, Capital Amount	$ 2,138,431	$ 1,906,831
Minimum capital required, Ratio (as a percent)	7.00%	7.00%
Required to be considered well capitalized, Capital Amount	$ 1,985,686	$ 1,770,629
Required to be considered well capitalized, Ratio (as a percent)	6.50%	6.50%
Tier I capital to risk-weighted assets
Actual, Capital Amount	$ 3,472,948	$ 3,201,644
Actual, Ratio (as a percent)	11.37	11.75
Minimum capital required, Capital Amount	$ 2,596,666	$ 2,315,438
Minimum capital required, Ratio (as a percent)	8.50	8.50
Required to be considered well capitalized, Capital Amount	$ 2,443,921	$ 2,179,236
Required to be considered well capitalized, Ratio (as a percent)	8	8
Total capital to risk-weighted assets
Actual, Capital Amount	$ 4,064,615	$ 3,692,674
Actual, Ratio (as a percent)	13.31	13.56
Minimum capital required, Capital Amount	$ 3,207,647	$ 2,860,247
Minimum capital required, Ratio (as a percent)	10.50	10.50
Required to be considered well capitalized, Capital Amount	$ 3,054,902	$ 2,724,045
Required to be considered well capitalized, Ratio (as a percent)	10	10
Tier I capital to average assets (leverage ratio)
Actual, Capital Amount	$ 3,472,948	$ 3,201,644
Actual, Ratio (as a percent)	8.45	8.05
Minimum capital required, Capital Amount	$ 1,643,247	$ 1,590,045
Minimum capital required, Ratio (as a percent)	4	4
Required to be considered well capitalized, Capital Amount	$ 2,054,058	$ 1,987,556
Required to be considered well capitalized, Ratio (as a percent)	5	5
ASU 2016-13
Capital ratios
Additional allowance for credit losses for loans					$ 54,400
Deferred tax assets					12,600
Retained earnings					(44,800)
ASU 2016-13 \| Adjustments
Capital ratios
Additional reserve for unfunded commitments					$ 6,400
SouthState Bank (the Bank)
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount	$ 3,773,163	$ 3,431,069
Actual, Ratio (as a percent)	12.37%	12.62%
Minimum capital required, Capital Amount	$ 2,134,908	$ 1,902,954
Minimum capital required, Ratio (as a percent)	7.00%	7.00%
Required to be considered well capitalized, Capital Amount	$ 1,982,415	$ 1,767,029
Required to be considered well capitalized, Ratio (as a percent)	6.50%	6.50%
Tier I capital to risk-weighted assets
Actual, Capital Amount	$ 3,773,163	$ 3,431,069
Actual, Ratio (as a percent)	12.37	12.62
Minimum capital required, Capital Amount	$ 2,592,389	$ 2,310,730
Minimum capital required, Ratio (as a percent)	8.50	8.50
Required to be considered well capitalized, Capital Amount	$ 2,439,895	$ 2,174,804
Required to be considered well capitalized, Ratio (as a percent)	8	8
Total capital to risk-weighted assets
Actual, Capital Amount	$ 3,961,830	$ 3,594,099
Actual, Ratio (as a percent)	12.99	13.22
Minimum capital required, Capital Amount	$ 3,202,362	$ 2,854,431
Minimum capital required, Ratio (as a percent)	10.50	10.50
Required to be considered well capitalized, Capital Amount	$ 3,049,869	$ 2,718,505
Required to be considered well capitalized, Ratio (as a percent)	10	10
Tier I capital to average assets (leverage ratio)
Actual, Capital Amount	$ 3,773,163	$ 3,431,069
Actual, Ratio (as a percent)	9.19	8.65
Minimum capital required, Capital Amount	$ 1,642,556	$ 1,587,212
Minimum capital required, Ratio (as a percent)	4	4
Required to be considered well capitalized, Capital Amount	$ 2,053,196	$ 1,984,015
Required to be considered well capitalized, Ratio (as a percent)	5	5
Minimum
Common equity Tier 1 to risk-weighted assets
Actual, Ratio (as a percent)	4.50%
Tier I capital to risk-weighted assets
Actual, Ratio (as a percent)	6
Total capital to risk-weighted assets
Actual, Ratio (as a percent)	4
Tier I capital to average assets (leverage ratio)
Actual, Ratio (as a percent)	8

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 01, 2022	Dec. 31, 2021
Goodwill [Line Items]
Goodwill	$ 1,924,024		$ 1,581,085
Atlantic Capital
Goodwill [Line Items]
Goodwill		$ 342,939
Goodwill related to the CSFL merger	342,900
Intangible assets related to the CSFL merger	$ 17,500

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Summary of gross carrying amounts (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Other intangible assets
Gross carrying amount	$ 278,368		$ 257,874
Accumulated amortization	(138,004)		(129,807)
Net carrying amount	140,364		$ 128,067
Amortization expense	$ 8,494	$ 9,164
Minimum
Other intangible assets
Estimated useful lives	2 years
Maximum
Other intangible assets
Estimated useful lives	15 years

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Amortization expense (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Goodwill and Other Intangible Assets
June 30, 2022	$ 8,463
September 30, 2022	8,027
December 31, 2022	8,027
March 31, 2023	7,299
June 30, 2023	7,028
Thereafter	101,520
Net carrying amount	$ 140,364	$ 128,067

Loan Servicing, Mortgage Orig_3

Loan Servicing, Mortgage Origination, and Loans Held for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Loans held for sale, loan servicing and mortgage origination
Residential mortgages serviced for others	$ 6,500,000		$ 6,100,000
Contractually specified servicing fees earned	3,800	$ 3,200
Mortgage servicing rights	83,339		$ 65,620
Changes in the fair value of MSRs and its offsetting hedge.
Increase in fair value of MSRs	12,827	8,076
Decay of MSRs	(2,230)	(4,561)
Gain (loss) related to derivatives	(11,838)	(6,404)
Net effect on statements of income	$ (1,241)	$ (2,889)
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100.00%		100.00%
Weighted average life (in years)	8 years 5 months 1 day		7 years 4 months 6 days
Constant Prepayment rate (CPR) (as a percent)	6.50%		8.40%
Weighted average discount rate (as a percent)	9.40%		9.00%
Effect on fair value due to change in interest rates:
25 basis point increase	$ 1,337		$ 3,961
50 basis point increase	2,316		7,261
25 basis point decrease	(1,934)		(4,371)
50 basis point decrease	(4,793)		(8,966)
Custodial escrow balances maintained in connection with the loan servicing	$ 44,600		$ 29,600
Fixed-rate mortgage loans
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100.00%		99.90%
Adjustable-rate mortgage loans
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others			0.10%

Loan Servicing, Mortgage Orig_4

Loan Servicing, Mortgage Origination, and Loans Held for Sale - Mandatory cash forwards (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loan sales	$ 700,700	$ 774,400
Loan securitizations and loan sales	$ 530,500	$ 621,700
Percentage of loan securitizations and loan sales	75.70%	80.30%
Loans held for sale	$ 130,376		$ 191,723
Minimum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period	15 days
Maximum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period	45 days

Repurchase Agreements (Details)

Repurchase Agreements (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Secured Debt, Repurchase Agreements
Carrying amount of securities sold under repurchase agreements with customers	$ 426.6	$ 400
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 519	$ 471.3

Stock Repurchase Program (Detai

Stock Repurchase Program (Details) - 2021 Stock Repurchase Plan - $ / shares	3 Months Ended	14 Months Ended
	Mar. 31, 2022	Mar. 31, 2022	Jan. 27, 2021
Stock repurchase program
Shares authorized under repurchase program			3,500,000
Number of shares repurchased	1,012,038	2,829,979
Average price per share	$ 85.43	$ 82.27
Additional shares available for repurchase	670,021	670,021

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares	May 05, 2022	Apr. 28, 2022	Mar. 31, 2022	Mar. 31, 2021	May 05, 2022	May 05, 2022
Subsequent events
Cash dividends declared (in dollars per share)			$ 0.49	$ 0.47
Subsequent event
Subsequent events
Cash dividends declared (in dollars per share)		$ 0.49
Subsequent event \| 2021 Stock Repurchase Plan.
Subsequent events
Number of shares repurchased	300,000				1,312,038	3,129,979
Average price per share	$ 79.15				$ 83.99	$ 81.97
Additional shares available for repurchase	370,021				370,021	370,021