v3.22.4
Off-Balance-Sheet Arrangements, Commitments, Guarantees and Contingencies (Tables)
12 Months Ended
Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]  
Financial Instruments With Off-Balance-Sheet Risk
Year-end financial instruments with off-balance-sheet risk are presented in the following table. Commitments and standby letters of credit are presented at contractual amounts; however, since many of these commitments are expected to expire unused or only partially used, the total amounts of these commitments do not necessarily reflect future cash requirements.
20222021
Commitments to extend credit$12,137,957 $10,420,142 
Standby letters of credit383,851 238,690 
Deferred standby letter of credit fees2,236 2,072 
Commitments, Off-Balance-Sheet, Allowance for Credit Losses
The following table details activity in the allowance for credit losses on off-balance-sheet credit exposures.
202220212020
Beginning balance
$50,314 $44,152 $500 
Impact of adopting ASC 326— — 39,377 
Credit loss expense8,279 6,162 4,275 
Ending balance$58,593 $50,314 $44,152