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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Schedule of Categories of Loans The various categories of loans are summarized as follows: 
March 31,December 31,
(In thousands)20242023
Consumer:  
Credit cards$182,742 $191,204 
Other consumer124,531 127,462 
Total consumer307,273 318,666 
Real Estate:
Construction and development3,331,739 3,144,220 
Single family residential2,624,738 2,641,556 
Other commercial7,508,049 7,552,410 
Total real estate13,464,526 13,338,186 
Commercial:
Commercial2,499,311 2,490,176 
Agricultural226,642 232,710 
Total commercial2,725,953 2,722,886 
Other504,008 465,932 
Total loans$17,001,760 $16,845,670 
Schedule of Nonaccrual Loans, Excluding Loans Acquired
The amortized cost basis of nonaccrual loans segregated by category of loans are as follows:
March 31,December 31,
(In thousands)20242023
Consumer:  
Credit cards$522 $487 
Other consumer466 589 
Total consumer988 1,076 
Real estate:
Construction and development2,764 2,457 
Single family residential30,237 27,209 
Other commercial20,967 11,960 
Total real estate53,968 41,626 
Commercial:
Commercial50,168 39,886 
Agricultural661 734 
Total commercial50,829 40,620 
Other3 3 
Total$105,788 $83,325 
Schedule of Aging Analysis of Past Due Loans, Excluding Loans Acquired
An age analysis of the amortized cost basis of past due loans, including nonaccrual loans, segregated by class of loans is as follows: 
(In thousands)Gross
30-89 Days
Past Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal
Loans		90 Days
Past Due &
Accruing
March 31, 2024      
Consumer:      
Credit cards$1,697 $666 $2,363 $180,379 $182,742 $558 
Other consumer983 172 1,155 123,376 124,531 4 
Total consumer2,680 838 3,518 303,755 307,273 562 
Real estate:
Construction and development5,409 1,584 6,993 3,324,746 3,331,739 — 
Single family residential24,818 13,440 38,258 2,586,480 2,624,738 716 
Other commercial3,049 4,402 7,451 7,500,598 7,508,049 — 
Total real estate33,276 19,426 52,702 13,411,824 13,464,526 716 
Commercial:
Commercial12,418 25,611 38,029 2,461,282 2,499,311 249 
Agricultural65 597 662 225,980 226,642 — 
Total commercial12,483 26,208 38,691 2,687,262 2,725,953 249 
Other281 3 284 503,724 504,008 — 
Total$48,720 $46,475 $95,195 $16,906,565 $17,001,760 $1,527 
(In thousands)Gross
30-89 Days
Past Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal
Loans		90 Days
Past Due &
Accruing
December 31, 2023
Consumer:
Credit cards$1,734 $892 $2,626 $188,578 $191,204 $791 
Other consumer1,471 216 1,687 125,775 127,462 — 
Total consumer3,205 1,108 4,313 314,353 318,666 791 
Real estate:
Construction and development3,171 2,190 5,361 3,138,859 3,144,220 — 
Single family residential30,697 12,522 43,219 2,598,337 2,641,556 7 
Other commercial4,702 3,612 8,314 7,544,096 7,552,410 — 
Total real estate38,570 18,324 56,894 13,281,292 13,338,186 7 
Commercial:
Commercial13,799 22,750 36,549 2,453,627 2,490,176 349 
Agricultural92 516 608 232,102 232,710 — 
Total commercial13,891 23,266 37,157 2,685,729 2,722,886 349 
Other— 3 3 465,929 465,932 — 
Total$55,666 $42,701 $98,367 $16,747,303 $16,845,670 $1,147 
Schedule of Loans by Credit Risk Rating
The following table presents a summary of loans by credit quality indicator, as of March 31, 2024, segregated by class of loans.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)2024 (YTD)20232022202120202019 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Consumer - credit cards    
Delinquency:
Current$— $— $— $— $— $— $180,379 $— $180,379 
30-89 days past due— — — — — — 1,697 — 1,697 
90+ days past due— — — — — — 666 — 666 
Total consumer - credit cards— — — — — — 182,742 — 182,742 
Current-period consumer - credit cards gross charge-offs— — — — — — 1,646 — 1,646 
Consumer - other
Delinquency:
Current31,333 31,588 31,036 9,688 2,872 1,967 14,892 — 123,376 
30-89 days past due15 230 576 69 18 43 32 — 983 
90+ days past due— 26 125 15 — 5 1 — 172 
Total consumer - other31,348 31,844 31,737 9,772 2,890 2,015 14,925 — 124,531 
Current-period consumer - other gross charge-offs— 327 108 24 — 1 74 — 534 
Real estate - C&D
Risk rating:
Pass26,238 95,941 141,929 44,891 42,816 30,014 2,913,901 — 3,295,730 
Special mention— — 3,599 7,295 — 391 16,654 — 27,939 
Substandard— 125 65 3,943 — 165 3,772 — 8,070 
Doubtful and loss— — — — — — — — — 
Total real estate - C&D26,238 96,066 145,593 56,129 42,816 30,570 2,934,327 — 3,331,739 
Current-period real estate - C&D gross charge-offs— — — — — — 52 — 52 
Real estate - SF residential
Delinquency:
Current35,875 342,821 604,406 341,357 209,198 651,331 401,492 — 2,586,480 
30-89 days past due— 1,321 5,371 4,261 2,332 9,255 2,278 — 24,818 
90+ days past due— 428 2,825 1,647 973 5,521 2,046 — 13,440 
Total real estate - SF residential35,875 344,570 612,602 347,265 212,503 666,107 405,816 — 2,624,738 
Current-period real estate - SF residential gross charge-offs— — 109 — 1 2 9 — 121 
Real estate - other commercial
Risk rating:
Pass82,399 540,854 1,606,704 1,232,595 492,911 815,082 2,324,178 — 7,094,723 
Special mention— 27,408 10,761 12,049 5,805 30,300 100,201 — 186,524 
Substandard3,601 5,024 19,991 7,586 9,249 42,097 139,254 — 226,802 
Doubtful and loss— — — — — — — — — 
Total real estate - other commercial86,000 573,286 1,637,456 1,252,230 507,965 887,479 2,563,633 — 7,508,049 
Current-period real estate - other commercial gross charge-offs— 2,516 — — — — 168 — 2,684 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)2024 (YTD)20232022202120202019 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Commercial
Risk rating:
Pass50,412 381,038 334,283 193,308 49,834 92,665 1,320,314 — 2,421,854 
Special mention— 141 7,399 277 228 1,079 10,110 — 19,234 
Substandard350 1,278 10,584 6,254 3,482 8,745 27,530 — 58,223 
Doubtful and loss— — — — — — — — — 
Total commercial50,762 382,457 352,266 199,839 53,544 102,489 1,357,954 — 2,499,311 
Current-period commercial - gross charge-offs— 105 830 738 282 883 1,747 — 4,585 
Commercial - agriculture
Risk rating:
Pass13,011 30,436 29,231 12,565 4,929 2,449 128,943 — 221,564 
Special mention— 270 211 1,068 — — 2,868 — 4,417 
Substandard— — 494 62 87 14 4 — 661 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture13,011 30,706 29,936 13,695 5,016 2,463 131,815 — 226,642 
Current-period commercial - agriculture gross charge-offs— — — 8 — — — — 8 
Other
Delinquency:
Current7,965 44,641 144,163 28,212 2,192 38,390 238,161 — 503,724 
30-89 days past due— 281 — — — — — — 281 
90+ days past due— — — — — 3 — — 3 
Total other7,965 44,922 144,163 28,212 2,192 38,393 238,161 — 504,008 
Current-period other - gross charge-offs— — — — — — 198 — 198 
Total$251,199 $1,503,851 $2,953,753 $1,907,142 $826,926 $1,729,516 $7,829,373 $— $17,001,760 
The following table presents a summary of loans by credit quality indicator, as of December 31, 2023, segregated by class of loans.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)202320222021202020192018 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Consumer - credit cards    
Delinquency:
Current$— $— $— $— $— $— $188,578 $— $188,578 
30-89 days past due— — — — — — 1,734 — 1,734 
90+ days past due— — — — — — 892 — 892 
Total consumer - credit cards— — — — — — 191,204 — 191,204 
Current-period consumer - credit cards gross charge-offs— — — — — — 5,303 — 5,303 
Consumer - other
Delinquency:
Current55,091 35,904 12,115 3,838 1,471 1,106 16,250 — 125,775 
30-89 days past due400 719 127 53 2 16 154 — 1,471 
90+ days past due35 127 46 — — — 8 — 216 
Total consumer - other55,526 36,750 12,288 3,891 1,473 1,122 16,412 — 127,462 
Current-period consumer - other gross charge-offs220 826 493 79 29 128 449 — 2,224 
Real estate - C&D
Risk rating:
Pass138,749 143,711 52,081 45,027 10,278 13,632 2,710,853 504 3,114,835 
Special mention— 1,143 7,284 — — 396 16,682 — 25,505 
Substandard— 101 48 — — 247 3,484 — 3,880 
Doubtful and loss— — — — — — — — — 
Total real estate - C&D138,749 144,955 59,413 45,027 10,278 14,275 2,731,019 504 3,144,220 
Current-period real estate - C&D gross charge-offs— 1,148 — — — 8 349 — 1,505 
Real estate - SF residential
Delinquency:
Current371,326 620,933 352,589 238,128 121,416 504,675 388,705 565 2,598,337 
30-89 days past due5,222 5,061 3,667 2,283 1,741 9,759 2,964 — 30,697 
90+ days past due1,313 2,443 1,810 1,661 120 3,465 1,710 — 12,522 
Total real estate - SF residential377,861 628,437 358,066 242,072 123,277 517,899 393,379 565 2,641,556 
Current-period real estate - SF residential gross charge-offs— 111 12 73 — 677 232 — 1,105 
Real estate - other commercial
Risk rating:
Pass729,602 1,651,010 1,237,810 621,595 171,230 417,122 2,333,637 — 7,162,006 
Special mention37,302 8,458 10,149 7,844 1,364 11,604 84,978 — 161,699 
Substandard40,664 10,290 4,495 16,646 6,293 9,861 140,454 — 228,703 
Doubtful and loss— — — 2 — — — — 2 
Total real estate - other commercial807,568 1,669,758 1,252,454 646,087 178,887 438,587 2,559,069 — 7,552,410 
Current-period real estate - other commercial gross charge-offs— — — 7 2 35 9,731 — 9,775 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)202320222021202020192018 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Commercial
Risk rating:
Pass440,872 354,016 200,941 67,320 27,374 42,953 1,271,826 — 2,405,302 
Special mention157 14,117 316 367 98 889 8,228 — 24,172 
Substandard1,998 11,874 6,272 2,934 1,722 3,392 32,510 — 60,702 
Doubtful and loss— — — — — — — — — 
Total commercial443,027 380,007 207,529 70,621 29,194 47,234 1,312,564 — 2,490,176 
Current-period commercial - gross charge-offs463 2,081 778 197 244 815 1,351 — 5,929 
Commercial - agriculture
Risk rating:
Pass39,680 30,075 13,940 6,280 2,071 303 134,180 — 226,529 
Special mention363 733 1,068 — — — 3,257 — 5,421 
Substandard518 37 71 104 26 — 4 — 760 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture40,561 30,845 15,079 6,384 2,097 303 137,441 — 232,710 
Current-period commercial - agriculture gross charge-offs— 7 — — — 26 — — 33 
Other
Delinquency:
Current45,234 144,732 28,413 2,543 3,255 36,719 205,033 — 465,929 
30-89 days past due— — — — — — — — — 
90+ days past due— — — — — 3 — — 3 
Total other45,234 144,732 28,413 2,543 3,255 36,722 205,033 — 465,932 
Current-period other - gross charge-offs— — — — — — 298 — 298 
Total$1,908,526 $3,035,484 $1,933,242 $1,016,625 $348,461 $1,056,142 $7,546,121 $1,069 $16,845,670 
Schedule of the Activity in the Allowance for Loan Losses The collateral securing these loans consist of commercial real estate properties, residential properties, and other business assets.
(In thousands)Real Estate CollateralOther CollateralTotal
March 31, 2024
Construction and development$13,579 $— $13,579 
Single family residential— — — 
Other commercial real estate108,438 — 108,438 
Commercial— 25,944 25,944 
Total$122,017 $25,944 $147,961 
December 31, 2023
Construction and development$43,826 $— $43,826 
Single family residential3,870 — 3,870 
Other commercial real estate76,229 — 76,229 
Commercial— 20,679 20,679 
Total$123,925 $20,679 $144,604 

The following table details activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2024. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. 

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended March 31, 2024
Beginning balance, January 1, 2024$36,470 $177,177 $5,868 $5,716 $225,231 
Provision for credit loss expense2,872 5,359 1,298 677 10,206 
Charge-offs(4,593)(2,857)(1,646)(732)(9,828)
Recoveries442 735 248 333 1,758 
Net charge-offs(4,151)(2,122)(1,398)(399)(8,070)
Ending balance, March 31, 2024$35,191 $180,414 $5,768 $5,994 $227,367 
Activity in the allowance for credit losses for the three months ended March 31, 2023 was as follows:

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Three Months Ended March 31, 2023
Beginning balance, January 1, 2023$34,406 $150,795 $5,140 $6,614 $196,955 
Provision for credit loss expense(4,804)14,021 2,148 (449)10,916 
Charge-offs(413)(1,204)(1,076)(456)(3,149)
Recoveries1,067 294 234 240 1,835 
Net (charge-offs) recoveries654 (910)(842)(216)(1,314)
Ending balance, March 31, 2023$30,256 $163,906 $6,446 $5,949 $206,557 
The components of the provision for credit losses for the three month periods ended March 31, 2024 and 2023 were as follows:

Three Months Ended
March 31,
(In thousands)20242023
Provision for credit losses related to:  
Loans$10,206 $10,916 
Securities - HTM— 500 
Securities - AFS— 12,800 
Total$10,206 $24,216 
Schedule of Financing Receivable, Purchased With Credit Deterioration
The following table provides a summary of loans purchased as part of the Spirit acquisition with credit deterioration at acquisition:
(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Unpaid principal balance$8,258 $66,534 $— $59 $74,851 
PCD allowance for credit loss at acquisition(6,433)(3,187)— (2)(9,622)
Non-credit related discount(378)(998)— (1)(1,377)
Fair value of PCD loans$1,447 $62,349 $— $56 $63,852