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Loans and Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding Balances of Loan The following table provides outstanding balances related to each of our loan types as of December 31:
20222021
 (dollars in thousands)
Commercial, financial, agricultural and other$1,211,706 $1,173,452 
Time and demand1,023,824 1,159,524 
Commercial credit cards13,920 13,928 
Equipment Finance79,674 
Time and demand other94,288 
Real estate construction513,101 494,456 
Construction other395,439 
Construction residential117,662 
Residential real estate2,194,669 1,920,250 
Residential first lien1,547,192 1,299,534 
Residential junior lien/home equity647,477 620,716 
Commercial real estate2,425,012 2,251,097 
Multifamily431,151 385,432 
Nonowner occupied1,510,347 1,465,247 
Owner occupied483,514 400,418 
Loans to individuals1,297,655 999,975 
Automobile and recreational vehicles1,210,451 901,280 
Consumer credit cards10,657 11,151 
Consumer other76,547 87,544 
Total loans and leases$7,642,143 $6,839,230 
Credit Risk Profile by Creditworthiness The following tables represent our credit risk profile by creditworthiness category for the years ended December 31:
 2022
Non-Pass
 PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,164,193 $35,389 $12,124 $— $— $47,513 $1,211,706 
Time and demand976,346 35,389 12,089 — — 47,478 1,023,824 
Commercial credit cards13,920 — — — — — 13,920 
Equipment Finance79,674 — — — — — 79,674 
Time and demand other94,253 — 35 — — 35 94,288 
Real estate construction513,101 — — — — — 513,101 
Construction other395,439 — — — — — 395,439 
Construction residential117,662 — — — — — 117,662 
Residential real estate2,187,780 736 6,153 — — 6,889 2,194,669 
Residential first lien1,542,854 675 3,663 — — 4,338 1,547,192 
Residential junior lien/home equity644,926 61 2,490 — — 2,551 647,477 
Commercial real estate2,347,000 52,291 25,721 — — 78,012 2,425,012 
Multifamily430,613 488 50 — — 538 431,151 
Nonowner occupied1,439,478 49,037 21,832 — — 70,869 1,510,347 
Owner occupied476,909 2,766 3,839 — — 6,605 483,514 
Loans to individuals1,297,206 — 449 — — 449 1,297,655 
Automobile and recreational vehicles1,210,090 — 361 — — 361 1,210,451 
Consumer credit cards10,657 — — — — — 10,657 
Consumer other76,459 — 88 — — 88 76,547 
Total $7,509,280 $88,416 $44,447 $— $— $132,863 $7,642,143 
 2021
Non-Pass
 PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,121,234 $33,765 $18,453 $— $— $52,218 $1,173,452 
Time and demand1,107,306 33,765 18,453 — — 52,218 1,159,524 
Commercial credit cards13,928 — — — — — 13,928 
Real estate construction493,913 498 45 — — 543 494,456 
Residential real estate1,913,064 976 6,210 — — 7,186 1,920,250 
Residential first lien1,295,524 905 3,105 — — 4,010 1,299,534 
Residential junior lien/home equity617,540 71 3,105 — — 3,176 620,716 
Commercial real estate2,113,123 85,324 52,650 — — 137,974 2,251,097 
Multifamily355,702 14,565 15,165 — — 29,730 385,432 
Nonowner occupied1,368,922 63,783 32,542 — — 96,325 1,465,247 
Owner occupied388,499 6,976 4,943 — — 11,919 400,418 
Loans to individuals999,770 — 205 — — 205 999,975 
Automobile and recreational vehicles901,132 — 148 — — 148 901,280 
Consumer credit cards11,151 — — — — — 11,151 
Consumer other87,487 — 57 — — 57 87,544 
Total$6,641,104 $120,563 $77,563 $— $— $198,126 $6,839,230 
The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year as of December 31:
2022
Term LoansRevolving Loans
20222021202020192018PriorTotal
(dollars in thousands)
Time and demand$180,134 $165,064 $66,006 $88,959 $57,030 $57,907 $408,724 $1,023,824 
Pass180,134 154,542 56,592 79,935 56,718 56,309 392,116 976,346 
OAEM— 10,489 8,387 1,846 250 895 13,522 35,389 
Substandard— 33 1,027 7,178 62 703 3,086 12,089 
Commercial credit cards— — — — — — 13,920 13,920 
Pass— — — — — — 13,920 13,920 
Equipment Finance79,674 — — — — — — 79,674 
Pass79,674 — — — — — — 79,674 
Time and demand other7,172 20,281 19,626 3,823 2,885 36,197 4,304 94,288 
Pass7,172 20,281 19,626 3,823 2,885 36,162 4,304 94,253 
Substandard— — — — — 35 — 35 
Construction other81,870 179,919 85,264 23,001 24,005 1,011 369 395,439 
Pass81,870 179,919 85,264 23,001 24,005 1,011 369 395,439 
Construction residential82,829 34,783 — 31 18 — 1 117,662 
Pass82,829 34,783 — 31 18 — 1 117,662 
Residential first lien272,136 507,573 337,995 102,870 69,890 255,573 1,155 1,547,192 
Pass272,136 507,042 337,979 102,097 69,212 253,310 1,078 1,542,854 
OAEM— 164 — 133 51 250 77 675 
Substandard— 367 16 640 627 2,013 — 3,663 
Residential junior lien/home equity77,016 49,273 1,499 2,584 1,683 4,396 511,026 647,477 
Pass77,016 49,273 1,499 2,517 1,683 4,263 508,675 644,926 
OAEM— — — — — 51 10 61 
Substandard— — — 67 — 82 2,341 2,490 
Multifamily140,004 90,868 60,699 39,848 19,914 78,483 1,335 431,151 
Pass140,004 90,868 60,699 39,848 19,914 77,945 1,335 430,613 
OAEM— — — — — 488 — 488 
Substandard— — — — — 50 — 50 
Nonowner occupied298,751 153,918 115,947 214,068 141,814 581,060 4,789 1,510,347 
Pass298,751 153,918 115,947 212,588 113,638 541,007 3,629 1,439,478 
OAEM— — — 1,480 20,349 26,207 1,001 49,037 
Substandard— — — — 7,827 13,846 159 21,832 
Owner occupied113,010 105,513 56,977 44,430 26,456 131,432 5,696 483,514 
Pass113,010 105,309 55,468 43,014 26,294 128,230 5,584 476,909 
OAEM— 182 745 791 92 923 33 2,766 
Substandard— 22 764 625 70 2,279 79 3,839 
Automobile and recreational vehicles613,513 330,298 172,530 68,996 20,589 4,525 — 1,210,451 
Pass613,513 330,252 172,435 68,865 20,524 4,501 — 1,210,090 
Substandard— 46 95 131 65 24 — 361 
Consumer credit cards— — — — — — 10,657 10,657 
Pass— — — — — — 10,657 10,657 
Consumer other6,561 17,177 2,489 3,798 1,656 4,085 40,781 76,547 
Pass6,561 17,177 2,489 3,775 1,652 4,085 40,720 76,459 
Substandard— — — 23 4 — 61 88 
Total$1,952,670 $1,654,667 $919,032 $592,408 $365,940 $1,154,669 $1,002,757 $7,642,143 
2021
Term LoansRevolving Loans
20212020201920182017PriorTotal
(dollars in thousands)
Time and demand$281,244 $126,403 $143,030 $91,118 $45,442 $111,127 $361,160 $1,159,524 
Pass280,854 125,728 128,080 83,204 31,472 102,399 355,569 1,107,306 
OAEM390 596 1,125 7,780 13,945 7,126 2,803 33,765 
Substandard— 79 13,825 134 25 1,602 2,788 18,453 
Commercial credit cards— — — — — — 13,928 13,928 
Pass— — — — — — 13,928 13,928 
Real estate construction202,016 129,298 123,153 38,267 441 841 440 494,456 
Pass201,992 128,824 123,153 38,267 441 796 440 493,913 
OAEM24 474 — — — — — 498 
Substandard— — — — — 45 — 45 
Residential first lien376,106 375,904 126,788 84,484 74,268 260,010 1,974 1,299,534 
Pass376,095 375,885 126,618 84,079 74,135 256,815 1,897 1,295,524 
OAEM— — — 67 — 761 77 905 
Substandard11 19 170 338 133 2,434 — 3,105 
Residential junior lien/home equity56,861 1,999 3,322 2,684 1,009 5,348 549,493 620,716 
Pass56,861 1,999 3,246 2,684 1,009 5,195 546,546 617,540 
OAEM— — — — — 61 10 71 
Substandard— — 76 — — 92 2,937 3,105 
Multifamily90,062 73,068 16,782 36,523 63,872 103,774 1,351 385,432 
Pass90,062 73,068 16,782 21,846 49,832 102,761 1,351 355,702 
OAEM— — — — 14,040 525 — 14,565 
Substandard— — — 14,677 — 488 — 15,165 
Nonowner occupied194,137 98,840 202,236 173,053 177,295 615,943 3,743 1,465,247 
Pass194,137 98,840 202,236 155,293 152,174 563,743 2,499 1,368,922 
OAEM— — — 3,723 19,235 39,737 1,088 63,783 
Substandard— — — 14,037 5,886 12,463 156 32,542 
Owner occupied77,710 62,380 53,954 34,115 32,989 134,713 4,557 400,418 
Pass77,710 59,973 51,513 33,623 31,644 129,593 4,443 388,499 
OAEM— 2,194 1,220 492 1,321 1,716 33 6,976 
Substandard— 213 1,221 — 24 3,404 81 4,943 
Automobile and recreational vehicles456,730 252,518 122,943 48,375 17,230 3,484 — 901,280 
Pass456,730 252,518 122,867 48,361 17,224 3,432 — 901,132 
Substandard— — 76 14 6 52 — 148 
Consumer credit cards— — — — — — 11,151 11,151 
Pass— — — — — — 11,151 11,151 
Consumer other22,156 4,655 8,030 5,084 542 5,503 41,574 87,544 
Pass22,156 4,655 8,030 5,084 542 5,460 41,560 87,487 
Substandard— — — — — 43 14 57 
Total$1,757,022 $1,125,065 $800,238 $513,703 $413,088 $1,240,743 $989,371 $6,839,230 
Age Analysis of Past Due Loans by Segment The following tables delineate the aging analysis of the recorded investments in past due loans as of December 31. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.
 2022
 30 - 59
days
past due		60 - 89
days
past
due		90 days
and
greater
and still
accruing		NonaccrualTotal past
due and
nonaccrual		CurrentTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,233 $279 $355 $2,374 $4,241 $1,207,465 $1,211,706 
Time and demand1,121 270 352 2,374 4,117 1,019,707 1,023,824 
Commercial credit cards27 9 — — 36 13,884 13,920 
Equipment Finance— — — — — 79,674 79,674 
Time and demand other85 — 3 — 88 94,200 94,288 
Real estate construction502 — — — 502 512,599 513,101 
Construction other— — — — — 395,439 395,439 
Construction residential502 — — — 502 117,160 117,662 
Residential real estate3,023 1,178 811 5,683 10,695 2,183,974 2,194,669 
Residential first lien1,547 771 214 3,369 5,901 1,541,291 1,547,192 
Residential junior lien/home equity1,476 407 597 2,314 4,794 642,683 647,477 
Commercial real estate7,870 25 93 20,539 28,527 2,396,485 2,425,012 
Multifamily202 — — — 202 430,949 431,151 
Nonowner occupied7,547 — 92 19,575 27,214 1,483,133 1,510,347 
Owner occupied121 25 1 964 1,111 482,403 483,514 
Loans to individuals3,268 571 732 449 5,020 1,292,635 1,297,655 
Automobile and recreational vehicles2,694 368 295 361 3,718 1,206,733 1,210,451 
Consumer credit cards53 29 5 — 87 10,570 10,657 
Consumer other521 174 432 88 1,215 75,332 76,547 
Total $15,896 $2,053 $1,991 $29,045 $48,985 $7,593,158 $7,642,143 
2021
30 - 59
days
past due		60 - 89
days
past
due		90 days
and
greater
and still
accruing		NonaccrualTotal past
due and
nonaccrual		CurrentTotal
(dollars in thousands)
Commercial, financial, agricultural and other$633 $987 $155 $2,006 $3,781 $1,169,671 $1,173,452 
Time and demand605 972 144 2,006 3,727 1,155,797 1,159,524 
Commercial credit cards28 15 11 — 54 13,874 13,928 
Real estate construction813 — 448 45 1,306 493,150 494,456 
Residential real estate3,393 983 218 5,608 10,202 1,910,048 1,920,250 
Residential first lien1,934 354 51 2,706 5,045 1,294,489 1,299,534 
Residential junior lien/home equity1,459 629 167 2,902 5,157 615,559 620,716 
Commercial real estate— 74 — 40,195 40,269 2,210,828 2,251,097 
Multifamily— — — 15,097 15,097 370,335 385,432 
Nonowner occupied— — — 23,930 23,930 1,441,317 1,465,247 
Owner occupied— 74 — 1,168 1,242 399,176 400,418 
Loans to individuals1,611 417 785 206 3,019 996,956 999,975 
Automobile and recreational vehicles1,228 175 199 148 1,750 899,530 901,280 
Consumer credit cards36 44 63 — 143 11,008 11,151 
Consumer other347 198 523 58 1,126 86,418 87,544 
Total$6,450 $2,461 $1,606 $48,060 $58,577 $6,780,653 $6,839,230 
Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance
The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of December 31, 2022 and 2021. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming for the years ended December 31, 2022, 2021 and 2020. Average balances are calculated based on month-end balances of the loans for the period reported and are included in the table below based on its period end allowance position.
 2022
 Recorded
investment		Unpaid
principal
balance		Related
specific
allowance		Average
recorded
investment		Interest
Income
Recognized
 (dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$3,141 $9,555 $3,751 $157 
Time and demand3,141 9,555 3,751 157 
Equipment Finance— — — — 
Time and demand other— — — — 
Real estate construction— — — — 
Construction other— — — — 
Construction residential— — — — 
Residential real estate9,145 11,010 9,040 241 
Residential first lien5,754 6,848 5,280 172 
Residential junior lien/home equity3,391 4,162 3,760 69 
Commercial real estate21,505 24,119 22,983 172 
Multifamily— — 172 43 
Nonowner occupied20,155 22,565 21,304 104 
Owner occupied1,350 1,554 1,507 25 
Loans to individuals528 563 455 16 
Automobile and recreational vehicles440 475 378 16 
Consumer other88 88 77 — 
Subtotal34,319 45,247 36,229 586 
With a specific allowance recorded:
Commercial, financial, agricultural and other$1,168 $1,186 $711 $261 $8 
Time and demand1,168 1,186 711 261 8 
Equipment Finance— — — — — 
Time and demand other— — — — — 
Real estate construction— — — — — 
Construction other— — — — — 
Construction residential— — — — — 
Residential real estate— — — — — 
Residential first lien— — — — — 
Residential junior lien/home equity— — — — — 
Commercial real estate— — — — — 
Multifamily— — — — — 
Nonowner occupied— — — — — 
Owner occupied— — — — — 
Loans to individuals— — — — — 
Automobile and recreational vehicles— — — — — 
Consumer other— — — — — 
Subtotal1,168 1,186 711 261 8 
Total$35,487 $46,433 $711 $36,490 $594 
2021
Recorded
investment		Unpaid
principal
balance		Related
specific
allowance		Average
recorded
investment		Interest
Income
Recognized
(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$3,720 $10,303 $9,240 $389 
Time and demand3,720 10,303 9,240 389 
Real estate construction45 53 53 — 
Residential real estate9,365 11,294 10,315 375 
Residential first lien5,200 6,337 5,674 279 
Residential junior lien/home equity4,165 4,957 4,641 96 
Commercial real estate40,591 41,525 26,235 119 
Multifamily14,677 14,677 1,223 — 
Nonowner occupied24,581 25,310 22,668 28 
Owner occupied1,333 1,538 2,344 91 
Loans to individuals446 485 479 15 
Automobile and recreational vehicles388 422 425 15 
Consumer other58 63 54 — 
Subtotal54,167 63,660 46,322 898 
With a specific allowance recorded:
Commercial, financial, agricultural and other$327 $349 $307 $84 $— 
Time and demand327 349 307 84 — 
Real estate construction— — — — — 
Residential real estate— — — — — 
Residential first lien— — — — — 
Residential junior lien/home equity— — — — — 
Commercial real estate686 711 88 665 — 
Multifamily421 446 88 444 — 
Nonowner occupied— — — — — 
Owner occupied265 265 — 221 — 
Loans to individuals— — — — — 
Automobile and recreational vehicles— — — — — 
Consumer other— — — — — 
Subtotal1,013 1,060 395 749 — 
Total$55,180 $64,720 $395 $47,071 $898 
 2020
 Average
recorded
investment		Interest
Income
Recognized
 (dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$6,371 $80 
Time and demand6,371 80 
Real estate construction146 14 
Residential real estate11,913 335 
Residential first lien6,605 241 
Residential junior lien/home equity5,308 94 
Commercial real estate22,287 184 
Multifamily1 — 
Nonowner occupied18,536 82 
Owner occupied3,750 102 
Loans to individuals470 13 
Automobile and recreational vehicles447 13 
Consumer other23 — 
Subtotal41,187 626 
With a specific allowance recorded:
Commercial, financial, agricultural and other$1,544 $3 
Time and demand1,544 3 
Real estate construction— — 
Residential real estate— — 
Residential first lien— — 
Residential junior lien/home equity— — 
Commercial real estate7,997 10 
Multifamily395 — 
Nonowner occupied7,363 — 
Owner occupied239 10 
Loans to individuals— — 
Automobile and recreational vehicles— — 
Consumer other— — 
Subtotal9,541 13 
Total$50,728 $639 
Troubled Debt Restructured Loans and Commitments The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans as of December 31:
202220212020
 (dollars in thousands)
Troubled debt restructured loans
Accrual status$6,442 $7,120 $8,512 
Nonaccrual status8,852 13,134 14,740 
Total$15,294 $20,254 $23,252 
Commitments
Letters of credit$60 $60 $60 
Unused lines of credit23 16 11 
Total$83 $76 $71 
The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the year ending December 31:
 202220212020
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Commercial, financial, agricultural and other— $— 1 $223 — $— 
Time and demand— — 1 223 — — 
Residential real estate— — — — 1 34 
Residential junior lien/home equity— — — — 1 34 
Loans to individuals— — 1 21 2 74 
Automobile and recreational vehicles— — 1 21 2 74 
Total— $— 2 $244 3 $108 
Troubled Debt Restructurings is 90 Days or More Past Due
The following tables provide detail, including specific reserve and reasons for modification, related to loans identified as troubled debt restructurings during the years ending December 31:
 2022
  Type of Modification   
 Number
of
Contracts		Extend
Maturity		Modify
Rate		Modify
Payments		Total
Pre-Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Specific
Reserve
 (dollars in thousands)
Residential real estate5 $— $10 $683 $693 $676 $— 
Residential first lien5 — 10 683 693 676 — 
Total5 $— $10 $683 $693 $676 $— 
2021
Type of Modification
Number
of
Contracts		Extend
Maturity		Modify
Rate		Modify
Payments		Total
Pre-Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Specific
Reserve
(dollars in thousands)
Commercial, financial, agricultural and other6 $— $— $7,893 $7,893 $288 $— 
Time and demand6 — — 7,893 7,893 288 — 
Residential real estate15 — 359 301 660 624 — 
Residential first lien12 — 359 171 530 502 — 
Residential junior lien/home equity3 — — 130 130 122 — 
Commercial real estate2 — — 644 644 634 — 
Nonowner occupied2 — — 644 644 634 — 
Loans to individuals7 — 110 63 173 144 — 
Automobile and recreational vehicles7 — 110 63 173 144 — 
Total30 $— $469 $8,901 $9,370 $1,690 $— 
 
 2020
  Type of Modification   
 Number
of
Contracts		Extend
Maturity		Modify
Rate		Modify
Payments		Total
Pre-Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Specific
Reserve
 (dollars in thousands)
Commercial, financial, agricultural and other4 $— $629 $2,176 $2,805 $2,196 $636 
Time and demand4 — 629 2,176 2,805 2,196 636 
Residential real estate18 — 33 917 950 791 — 
Residential first lien9 — 33 513 546 411 — 
Residential junior lien/home equity9 — — 404 404 380 — 
Commercial real estate5 — — 10,857 10,857 10,758 — 
Nonowner occupied4 — — 10,289 10,289 10,263 — 
Owner occupied1 — — 568 568 495 — 
Loans to individuals14 — 114 148 262 224 — 
Automobile and recreational vehicles14 — 114 148 262 224 — 
Total41 $— $776 $14,098 $14,874 $13,969 $636 
Allowance for Credit Losses
The following tables provide detail related to the allowance for credit losses for the years ended December 31.
 2022
Beginning balanceCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$18,093 $(2,361)$394 $6,524 $22,650 
Time and demand15,283 (710)202 5,265 20,040 
Commercial credit cards247 (217)71 234 335 
Equipment Finance— — — 1,086 1,086 
Time and demand other2,563 (1,434)121 (61)1,189 
Real estate construction4,220 — 9 4,593 8,822 
Construction other3,278 — 9 3,073 6,360 
Construction residential942 — — 1,520 2,462 
Residential real estate 12,625 (339)187 8,939 21,412 
Residential first liens7,459 (163)130 7,396 14,822 
Residential junior liens/home equity5,166 (176)57 1,543 6,590 
Commercial real estate33,376 (2,487)769 (2,854)28,804 
Multifamily3,561 (411)411 1,165 4,726 
Nownowner occupied24,838 (1,836)342 (6,918)16,426 
Owner occupied4,977 (240)16 2,899 7,652 
Loans to individuals24,208 (4,658)1,349 319 21,218 
Automobile and recreational vehicles21,392 (2,639)787 (721)18,819 
Consumer credit cards496 (486)75 327 412 
Consumer other2,320 (1,533)487 713 1,987 
Total$92,522 $(9,845)$2,708 $17,521 $102,906 
a) The provision (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
December 31, 2022
Loans
Ending balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit lossesEnding balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit losses
(dollars in thousands)
Commercial, financial, agricultural and other$22,650 $711 $21,939 $1,211,706 $3,330 $1,208,376 
Time and demand20,040 711 19,329 1,023,824 3,330 1,020,494 
Commercial credit cards335 — 335 13,920 — 13,920 
Equipment Finance1,086 — 1,086 79,674 — 79,674 
Time and demand other1,189 — 1,189 94,288 — 94,288 
Real estate construction8,822 — 8,822 513,101 — 513,101 
Construction other6,360 — 6,360 395,439 — 395,439 
Construction residential2,462 — 2,462 117,662 — 117,662 
Residential real estate 21,412 — 21,412 2,194,669 301 2,194,368 
Residential first liens14,822 — 14,822 1,547,192 301 1,546,891 
Residential junior liens/home equity6,590 — 6,590 647,477 — 647,477 
Commercial real estate28,804 — 28,804 2,425,012 20,583 2,404,429 
Multifamily4,726 — 4,726 431,151 — 431,151 
Nownowner occupied16,426 — 16,426 1,510,347 19,918 1,490,429 
Owner occupied7,652 — 7,652 483,514 665 482,849 
Loans to individuals21,218 — 21,218 1,297,655 — 1,297,655 
Automobile and recreational vehicles18,819 — 18,819 1,210,451 — 1,210,451 
Consumer credit cards412 — 412 10,657 — 10,657 
Consumer other1,987 — 1,987 76,547 — 76,547 
Total$102,906 $711 $102,195 $7,642,143 $24,214 $7,617,929 
 2021
Beginning balanceCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$17,187 $(7,020)$2,430 $5,496 $18,093 
Time and demand16,838 (6,845)2,412 5,441 17,846 
Commercial credit cards349 (175)18 55 247 
Real estate construction7,966 (9)155 (3,892)4,220 
Residential real estate14,358 (309)468 (1,892)12,625 
Residential first liens7,919 (60)337 (737)7,459 
Residential junior liens/home equity6,439 (249)131 (1,155)5,166 
Commercial real estate41,953 (1,659)135 (7,053)33,376 
Multifamily6,240 (1)— (2,678)3,561 
Nownowner occupied28,414 (1,556)125 (2,145)24,838 
Owner occupied7,299 (102)10 (2,230)4,977 
Loans to individuals19,845 (4,061)1,460 6,964 24,208 
Automobile and recreational vehicles16,133 (1,792)1,016 6,035 21,392 
Consumer credit cards635 (425)71 215 496 
Consumer other3,077 (1,844)373 714 2,320 
Total$101,309 $(13,058)$4,648 $(377)$92,522 
a) The provision (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
December 31, 2021
Loans
Ending balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit lossesEnding balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit losses
(dollars in thousands)
Commercial, financial, agricultural and other$18,093 $307 $17,786 $1,173,452 $3,032 $1,170,420 
Time and demand17,846 307 17,539 1,159,524 3,032 1,156,492 
Commercial credit cards247 — 247 13,928 — 13,928 
Real estate construction4,220 — 4,220 494,456 — 494,456 
Residential real estate 12,625 — 12,625 1,920,250 253 1,919,997 
Residential first liens7,459 — 7,459 1,299,534 — 1,299,534 
Residential junior liens/home equity5,166 — 5,166 620,716 253 620,463 
Commercial real estate33,376 88 33,288 2,251,097 40,246 2,210,851 
Multifamily3,561 88 3,473 385,432 15,097 370,335 
Nownowner occupied24,838 — 24,838 1,465,247 24,205 1,441,042 
Owner occupied4,977 — 4,977 400,418 944 399,474 
Loans to individuals24,208 — 24,208 999,975 — 999,975 
Automobile and recreational vehicles21,392 — 21,392 901,280 — 901,280 
Consumer credit cards496 — 496 11,151 — 11,151 
Consumer other2,320 — 2,320 87,544 — 87,544 
Total$92,522 $395 $92,127 $6,839,230 $43,531 $6,795,699 
 2020
Beginning balanceImpact of adoption of CECLCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$20,234 $1,478 $(6,318)$314 $1,479 $17,187 
Time and demand— 21,242 (6,220)301 1,515 16,838 
Commercial credit cards— 470 (98)13 (36)349 
Real estate construction2,558 562 — 26 4,820 7,966 
Residential real estate4,093 7,276 (1,040)414 3,615 14,358 
Residential first liens— 7,326 (550)296 847 7,919 
Residential junior liens/home equity— 4,043 (490)118 2,768 6,439 
Commercial real estate19,768 (207)(4,939)312 27,019 41,953 
Multifamily— 1,647 — — 4,593 6,240 
Nownowner occupied— 12,317 (4,678)187 20,588 28,414 
Owner occupied— 5,597 (261)125 1,838 7,299 
Loans to individuals4,984 4,284 (6,953)991 16,539 19,845 
Automobile— 6,106 (3,954)745 13,236 16,133 
Consumer credit cards— 221 (595)36 973 635 
Consumer other— 2,941 (2,404)210 2,330 3,077 
Total$51,637 $13,393 $(19,250)$2,057 $53,472 $101,309 
a) The provision (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
December 31, 2020
Loans
Ending balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit lossesEnding balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit losses
(dollars in thousands)
Commercial, financial, agricultural and other$17,187 $1,268 $15,919 $1,555,986 $5,411 $1,550,575 
Time and demand16,838 1,268 15,570 1,541,382 5,411 1,535,971 
Commercial credit cards349 — 349 14,604 — 14,604 
Real estate construction7,966 — 7,966 427,221 — 427,221 
Residential real estate14,358 — 14,358 1,750,592 1,105 1,749,487 
Residential first liens7,919 — 7,919 1,144,323 528 1,143,795 
Residential junior liens/home equity6,439 — 6,439 606,269 577 605,692 
Commercial real estate41,953 3,638 38,315 2,211,569 34,947 2,176,622 
Multifamily6,240 116 6,124 371,239 459 370,780 
Nownowner occupied28,414 3,508 24,906 1,421,151 31,450 1,389,701 
Owner occupied7,299 14 7,285 419,179 3,038 416,141 
Loans to individuals19,845 — 19,845 815,815 — 815,815 
Automobile16,133 — 16,133 712,800 — 712,800 
Consumer credit cards635 — 635 12,360 — 12,360 
Consumer other3,077 — 3,077 90,655 — 90,655 
Total$101,309 $4,906 $96,403 $6,761,183 $41,463 $6,719,720