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SEGMENT REPORTING
 3 Months Ended
Mar. 31, 2024
Segment Reporting [Abstract]  
SEGMENT REPORTING
NOTE 9 – SEGMENT REPORTING

The Company has the following four reportable segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division and Premium Finance Division. The Banking Division derives its revenues from the delivery of full-service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division derives its revenues from the origination, sales and servicing of one-to-four family residential mortgage loans. The Warehouse Lending Division derives its revenues from the origination and servicing of warehouse lines to other businesses that are secured by underlying one-to-four family residential mortgage loans. The Premium Finance Division derives its revenues from the origination and servicing of commercial insurance premium finance loans.

The Banking, Retail Mortgage, Warehouse Lending and Premium Finance Divisions are managed as separate business units because of the different products and services they provide. The Company evaluates performance and allocates resources based on profit or loss from operations. There are no material intersegment sales or transfers. During the first quarter of 2024, the Company consolidated its former SBA Division into the Banking Division based on the similarity of products and services
offered, customers served and materiality of its operating profit. Prior period segment information for the Banking Division was restated to reflect this consolidation.

The following tables present selected financial information with respect to the Company’s reportable business segments for the three months ended March 31, 2024 and 2023:
 Three Months Ended
March 31, 2024
(dollars in thousands)Banking
Division		Retail
Mortgage
Division		Warehouse
Lending
Division		Premium
 Finance
 Division		Total
Interest income$235,122 $55,099 $16,483 $22,748 $329,452 
Interest expense70,654 31,812 10,455 15,143 128,064 
Net interest income164,468 23,287 6,028 7,605 201,388 
Provision for credit losses19,127 2,332 145 (499)21,105 
Noninterest income26,363 38,765 740 10 65,878 
Noninterest expense     
Salaries and employee benefits58,916 21,073 888 2,053 82,930 
Occupancy and equipment11,753 1,049 7 76 12,885 
Data processing and communications expenses13,184 1,366 25 79 14,654 
Other expenses24,447 12,530 237 1,028 38,242 
Total noninterest expense108,300 36,018 1,157 3,236 148,711 
Income before income tax expense63,404 23,702 5,466 4,878 97,450 
Income tax expense16,028 4,978 1,148 984 23,138 
Net income$47,376 $18,724 $4,318 $3,894 $74,312 
Total assets$18,553,964 $4,971,058 $897,460 $1,232,963 $25,655,445 
Goodwill951,148 — — 64,498 1,015,646 
Other intangible assets, net78,275 — — 5,252 83,527 
 Three Months Ended
March 31, 2023
(dollars in thousands)Banking
Division		Retail
Mortgage
Division		Warehouse
Lending
Division		Premium
 Finance
 Division		Total
Interest income$212,590 $48,589 $16,614 $17,923 $295,716 
Interest expense35,305 28,562 10,914 9,283 84,064 
Net interest income177,285 20,027 5,700 8,640 211,652 
Provision for credit losses47,036 2,853 (194)34 49,729 
Noninterest income24,503 31,058 480 9 56,050 
Noninterest expense     
Salaries and employee benefits57,751 20,160 802 2,197 80,910 
Occupancy and equipment11,643 1,283 1 59 12,986 
Data processing and communications expenses11,834 1,069 46 85 13,034 
Other expenses19,445 11,747 202 1,097 32,491 
Total noninterest expense100,673 34,259 1,051 3,438 139,421 
Income before income tax expense54,079 13,973 5,323 5,177 78,552 
Income tax expense13,029 2,934 1,118 1,050 18,131 
Net income$41,050 $11,039 $4,205 $4,127 $60,421 
Total assets$19,142,989 $4,879,135 $936,169 $1,130,091 $26,088,384 
Goodwill951,148 — — 64,498 1,015,646 
Other intangible assets, net93,285 — — 8,203 101,488 
Net income$47,376 $18,724 $4,318 $— $3,894 $74,312 
Net income$41,050 $11,039 $4,205 $— $4,127 $60,421