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Varo Bank, Assets and Liabilities

2025-03-31Rank
# of Employees:375377
Assets and Liabilities
Total Assets:$355,299,0002,273
Cash and due from depository institutions$188,166,000377
Interest-bearing balances$130,003,000553
Securities$45,498,0002,606
Federal funds sold & reverse repurchase agreements$01,907
Net loans & leases$80,250,0003,432
Loan loss allowance$4,885,0001,550
Trading account assets$0210
Bank premises and fixed assets$2,163,0002,978
Other real estate owned$0377
Goodwill and other intangibles$15,804,000446
All other assets$23,418,0001,229
Life insurance assets$02,984
Total liabilities and capital$355,299,0002,249
Total liabilities$267,752,0002,488
Total deposits$214,653,0002,741
Interest-bearing deposits$115,339,0003,139
Deposits held in domestic offices$214,653,0002,741
% insured97.58%75
Federal funds purchased & repurchase agreements$0874
Trading liabilities$0203
Other borrowed funds$02,578
Subordinated debt$064
All other liabilities$53,099,000315
Total equity capital$87,547,0001,169
Total bank equity capital$87,547,0001,188
Perpetual preferred stock$0114
Common stock$04,053
Surplus$863,456,000133
Undivided profits$-775,909,0004,489
Noncontrolling interests in consolidated subsidiaries$0139
Memoranda
Noncurrent loans and leases$491,0002,618
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0582
Income earned, not collected on loans$342,0004,035
Earning assets$255,751,0002,607
Long-term assets (5+ years)$22,507,0003,518
Average Assets, year-to-date$401,457,0002,067
Average Assets, quarterly$401,457,0002,067
Volatile liabilities$04,350
Insider loans$03,851
FHLB advances$02,381
Loans and leases held for sale$01,097
Unused loan commitments$22,813,0002,649
Tier 1 (core) risk-based capital$78,331,0001,356
Tier 2 risk-based capital$02,663
Total risk weighted assets$02,740
Total unused commitments$22,813,0002,649
Derivatives$40,000,000573
2024-12-31Rank
# of Employees:398355
Assets and Liabilities
Total Assets:$447,615,0001,955
Cash and due from depository institutions$292,063,000355
Interest-bearing balances$210,369,000352
Securities$46,711,0002,583
Federal funds sold & reverse repurchase agreements$01,818
Net loans & leases$72,137,0003,566
Loan loss allowance$4,967,0001,531
Trading account assets$0218
Bank premises and fixed assets$2,372,0002,894
Other real estate owned$0355
Goodwill and other intangibles$14,659,000465
All other assets$19,673,0001,435
Life insurance assets$03,000
Total liabilities and capital$447,615,0001,939
Total liabilities$387,547,0001,979
Total deposits$336,750,0002,097
Interest-bearing deposits$163,486,0002,696
Deposits held in domestic offices$336,750,0002,096
% insured99.83%48
Federal funds purchased & repurchase agreements$0983
Trading liabilities$0203
Other borrowed funds$02,697
Subordinated debt$063
All other liabilities$50,797,000326
Total equity capital$60,068,0001,529
Total bank equity capital$60,068,0001,541
Perpetual preferred stock$0114
Common stock$04,077
Surplus$811,832,000139
Undivided profits$-751,764,0004,511
Noncontrolling interests in consolidated subsidiaries$0141
Memoranda
Noncurrent loans and leases$237,0003,018
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0597
Income earned, not collected on loans$194,0004,258
Earning assets$329,217,0002,247
Long-term assets (5+ years)$22,513,0003,551
Average Assets, year-to-date$474,885,2001,821
Average Assets, quarterly$437,390,0001,961
Volatile liabilities$04,369
Insider loans$03,880
FHLB advances$02,480
Loans and leases held for sale$01,099
Unused loan commitments$20,634,0002,697
Tier 1 (core) risk-based capital$52,904,0001,844
Tier 2 risk-based capital$02,717
Total risk weighted assets$02,791
Total unused commitments$20,634,0002,698
Derivatives$40,000,000582
2024-06-30Rank
# of Employees:385363
Assets and Liabilities
Total Assets:$480,409,0001,840
Cash and due from depository institutions$327,528,000363
Interest-bearing balances$276,992,000250
Securities$51,236,0002,496
Federal funds sold & reverse repurchase agreements$01,862
Net loans & leases$62,877,0003,676
Loan loss allowance$3,841,0001,794
Trading account assets$0220
Bank premises and fixed assets$2,778,0002,733
Other real estate owned$0363
Goodwill and other intangibles$11,873,000529
All other assets$24,117,0001,227
Life insurance assets$03,043
Total liabilities and capital$480,409,0001,817
Total liabilities$390,868,0001,937
Total deposits$339,216,0002,040
Interest-bearing deposits$171,149,0002,596
Deposits held in domestic offices$339,216,0002,038
% insured99.66%53
Federal funds purchased & repurchase agreements$01,057
Trading liabilities$0206
Other borrowed funds$02,992
Subordinated debt$066
All other liabilities$51,652,000328
Total equity capital$89,541,0001,113
Total bank equity capital$89,541,0001,122
Perpetual preferred stock$0120
Common stock$04,128
Surplus$807,059,000140
Undivided profits$-717,518,0004,558
Noncontrolling interests in consolidated subsidiaries$0146
Memoranda
Noncurrent loans and leases$03,812
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0586
Income earned, not collected on loans$205,0004,294
Earning assets$391,105,0001,983
Long-term assets (5+ years)$23,552,0003,564
Average Assets, year-to-date$499,882,0001,764
Average Assets, quarterly$506,648,0001,752
Volatile liabilities$04,416
Insider loans$03,923
FHLB advances$02,615
Loans and leases held for sale$01,161
Unused loan commitments$20,104,0002,758
Tier 1 (core) risk-based capital$86,026,0001,240
Tier 2 risk-based capital$02,777
Total risk weighted assets$02,854
Total unused commitments$20,104,0002,758
Derivatives$30,000,000615
2024-03-31Rank
# of Employees:417343
Assets and Liabilities
Total Assets:$532,887,0001,720
Cash and due from depository institutions$386,873,000343
Interest-bearing balances$333,829,000233
Securities$56,456,0002,417
Federal funds sold & reverse repurchase agreements$01,910
Net loans & leases$60,187,0003,711
Loan loss allowance$3,180,0002,014
Trading account assets$0215
Bank premises and fixed assets$2,976,0002,666
Other real estate owned$0343
Goodwill and other intangibles$7,227,000682
All other assets$19,168,0001,456
Life insurance assets$03,066
Total liabilities and capital$532,887,0001,702
Total liabilities$432,405,0001,809
Total deposits$379,143,0001,906
Interest-bearing deposits$192,696,0002,436
Deposits held in domestic offices$379,143,0001,904
% insured99.60%23
Federal funds purchased & repurchase agreements$0987
Trading liabilities$0166
Other borrowed funds$02,975
Subordinated debt$067
All other liabilities$53,262,000325
Total equity capital$100,482,0001,028
Total bank equity capital$100,482,0001,012
Perpetual preferred stock$0117
Common stock$04,149
Surplus$804,517,000141
Undivided profits$-704,035,0004,587
Noncontrolling interests in consolidated subsidiaries$0149
Memoranda
Noncurrent loans and leases$8,0003,755
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0591
Income earned, not collected on loans$628,0003,595
Earning assets$450,472,0001,801
Long-term assets (5+ years)$24,203,0003,593
Average Assets, year-to-date$509,618,5001,735
Average Assets, quarterly$509,618,5001,735
Volatile liabilities$04,437
Insider loans$03,933
FHLB advances$02,533
Loans and leases held for sale$01,118
Unused loan commitments$23,508,0002,605
Tier 1 (core) risk-based capital$101,714,0001,080
Tier 2 risk-based capital$02,800
Total risk weighted assets$02,879
Total unused commitments$23,508,0002,605
Derivatives$30,000,000603
2023-12-31Rank
# of Employees:432338
Assets and Liabilities
Total Assets:$486,350,0001,805
Cash and due from depository institutions$347,542,000338
Interest-bearing balances$320,902,000226
Securities$61,307,0002,338
Federal funds sold & reverse repurchase agreements$01,820
Net loans & leases$49,791,0003,866
Loan loss allowance$3,172,0002,024
Trading account assets$0214
Bank premises and fixed assets$3,165,0002,611
Other real estate owned$0338
Goodwill and other intangibles$6,398,000729
All other assets$18,147,0001,490
Life insurance assets$03,088
Total liabilities and capital$486,350,0001,786
Total liabilities$378,618,0001,976
Total deposits$324,267,0002,091
Interest-bearing deposits$164,333,0002,634
Deposits held in domestic offices$324,267,0002,090
% insured97.44%82
Federal funds purchased & repurchase agreements$01,169
Trading liabilities$0165
Other borrowed funds$03,039
Subordinated debt$069
All other liabilities$54,351,000318
Total equity capital$107,732,000957
Total bank equity capital$107,732,000948
Perpetual preferred stock$0111
Common stock$04,163
Surplus$795,217,000142
Undivided profits$-687,485,0004,605
Noncontrolling interests in consolidated subsidiaries$0149
Memoranda
Noncurrent loans and leases$03,812
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0572
Income earned, not collected on loans$267,0004,251
Earning assets$432,000,0001,839
Long-term assets (5+ years)$23,743,0003,651
Average Assets, year-to-date$520,372,0001,688
Average Assets, quarterly$503,543,0001,727
Volatile liabilities$04,458
Insider loans$03,951
FHLB advances$02,635
Loans and leases held for sale$01,074
Unused loan commitments$14,753,0003,054
Tier 1 (core) risk-based capital$109,525,000999
Tier 2 risk-based capital$02,824
Total risk weighted assets$02,900
Total unused commitments$14,753,0003,054
Derivatives$30,000,000570
2023-09-30Rank
# of Employees:458323
Assets and Liabilities
Total Assets:$520,736,0001,723
Cash and due from depository institutions$381,021,000323
Interest-bearing balances$355,551,000194
Securities$65,934,0002,214
Federal funds sold & reverse repurchase agreements$01,844
Net loans & leases$42,321,0003,987
Loan loss allowance$3,496,0001,884
Trading account assets$0216
Bank premises and fixed assets$1,527,0003,338
Other real estate owned$0323
Goodwill and other intangibles$5,652,000780
All other assets$24,281,0001,230
Life insurance assets$03,103
Total liabilities and capital$520,736,0001,704
Total liabilities$395,112,0001,911
Total deposits$346,175,0002,001
Interest-bearing deposits$186,172,0002,452
Deposits held in domestic offices$346,175,0002,000
% insured97.53%46
Federal funds purchased & repurchase agreements$01,178
Trading liabilities$0163
Other borrowed funds$03,023
Subordinated debt$070
All other liabilities$48,937,000338
Total equity capital$125,624,000800
Total bank equity capital$125,624,000790
Perpetual preferred stock$0116
Common stock$04,189
Surplus$792,635,000144
Undivided profits$-667,011,0004,632
Noncontrolling interests in consolidated subsidiaries$0146
Memoranda
Noncurrent loans and leases$03,837
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0574
Income earned, not collected on loans$679,0003,512
Earning assets$463,806,0001,735
Long-term assets (5+ years)$23,118,0003,678
Average Assets, year-to-date$528,877,5001,670
Average Assets, quarterly$537,776,0001,665
Volatile liabilities$04,435
Insider loans$03,972
FHLB advances$02,657
Loans and leases held for sale$01,153
Unused loan commitments$13,528,0003,156
Tier 1 (core) risk-based capital$130,115,000862
Tier 2 risk-based capital$02,835
Total risk weighted assets$02,915
Total unused commitments$13,528,0003,156
Derivatives$01,168
2023-06-30Rank
# of Employees:512283
Assets and Liabilities
Total Assets:$554,816,0001,627
Cash and due from depository institutions$416,517,000283
Interest-bearing balances$387,931,000171
Securities$70,238,0002,187
Federal funds sold & reverse repurchase agreements$01,868
Net loans & leases$37,901,0004,058
Loan loss allowance$3,627,0001,838
Trading account assets$0212
Bank premises and fixed assets$442,0004,096
Other real estate owned$0283
Goodwill and other intangibles$5,910,000764
All other assets$23,808,0001,198
Life insurance assets$03,127
Total liabilities and capital$554,816,0001,608
Total liabilities$404,954,0001,871
Total deposits$360,829,0001,940
Interest-bearing deposits$196,434,0002,377
Deposits held in domestic offices$360,829,0001,938
% insured97.46%44
Federal funds purchased & repurchase agreements$01,196
Trading liabilities$0155
Other borrowed funds$03,023
Subordinated debt$071
All other liabilities$44,125,000339
Total equity capital$149,862,000690
Total bank equity capital$149,862,000684
Perpetual preferred stock$0119
Common stock$04,218
Surplus$789,604,000141
Undivided profits$-639,742,0004,659
Noncontrolling interests in consolidated subsidiaries$0148
Memoranda
Noncurrent loans and leases$03,836
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0581
Income earned, not collected on loans$197,0004,357
Earning assets$496,070,0001,662
Long-term assets (5+ years)$24,757,0003,676
Average Assets, year-to-date$531,591,3331,663
Average Assets, quarterly$559,167,5001,591
Volatile liabilities$04,464
Insider loans$03,997
FHLB advances$02,663
Loans and leases held for sale$01,186
Unused loan commitments$12,589,0003,252
Tier 1 (core) risk-based capital$153,225,000731
Tier 2 risk-based capital$02,865
Total risk weighted assets$02,942
Total unused commitments$12,589,0003,253
Derivatives$01,164
2023-03-31Rank
# of Employees:580261
Assets and Liabilities
Total Assets:$563,519,0001,600
Cash and due from depository institutions$412,821,000261
Interest-bearing balances$384,207,000197
Securities$84,967,0002,017
Federal funds sold & reverse repurchase agreements$01,938
Net loans & leases$37,656,0004,104
Loan loss allowance$2,762,0002,190
Trading account assets$0224
Bank premises and fixed assets$833,0003,787
Other real estate owned$0261
Goodwill and other intangibles$6,336,000745
All other assets$20,906,0001,303
Life insurance assets$03,143
Total liabilities and capital$563,519,0001,600
Total liabilities$440,045,0001,781
Total deposits$395,680,0001,835
Interest-bearing deposits$215,661,0002,260
Deposits held in domestic offices$395,680,0001,834
% insured97.63%44
Federal funds purchased & repurchase agreements$01,096
Trading liabilities$0167
Other borrowed funds$02,785
Subordinated debt$068
All other liabilities$44,365,000345
Total equity capital$123,474,000809
Total bank equity capital$123,474,000809
Perpetual preferred stock$077
Common stock$04,237
Surplus$746,254,000149
Undivided profits$-622,780,0004,685
Noncontrolling interests in consolidated subsidiaries$0104
Memoranda
Noncurrent loans and leases$03,889
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0577
Income earned, not collected on loans$638,0003,405
Earning assets$506,830,0001,642
Long-term assets (5+ years)$26,437,0003,705
Average Assets, year-to-date$519,979,0001,703
Average Assets, quarterly$519,979,0001,703
Volatile liabilities$04,515
Insider loans$04,013
FHLB advances$02,522
Loans and leases held for sale$01,096
Unused loan commitments$12,216,0003,349
Tier 1 (core) risk-based capital$125,630,000876
Tier 2 risk-based capital$02,947
Total risk weighted assets$03,020
Total unused commitments$12,216,0003,349
Derivatives$01,166
2022-12-31Rank
# of Employees:576258
Assets and Liabilities
Total Assets:$476,439,0001,806
Cash and due from depository institutions$326,998,000258
Interest-bearing balances$301,877,000196
Securities$91,413,0001,943
Federal funds sold & reverse repurchase agreements$01,839
Net loans & leases$28,319,0004,272
Loan loss allowance$2,396,0002,357
Trading account assets$0239
Bank premises and fixed assets$1,225,0003,535
Other real estate owned$0258
Goodwill and other intangibles$7,185,000713
All other assets$21,299,0001,315
Life insurance assets$03,164
Total liabilities and capital$476,439,0001,806
Total liabilities$327,777,0002,200
Total deposits$275,932,0002,371
Interest-bearing deposits$155,877,0002,736
Deposits held in domestic offices$275,932,0002,369
% insured99.95%15
Federal funds purchased & repurchase agreements$01,292
Trading liabilities$0171
Other borrowed funds$02,705
Subordinated debt$070
All other liabilities$51,845,000321
Total equity capital$148,662,000684
Total bank equity capital$148,662,000684
Perpetual preferred stock$077
Common stock$04,267
Surplus$743,884,000151
Undivided profits$-595,222,0004,716
Noncontrolling interests in consolidated subsidiaries$0107
Memoranda
Noncurrent loans and leases$03,914
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0609
Income earned, not collected on loans$226,0004,370
Earning assets$421,609,0001,867
Long-term assets (5+ years)$26,140,0003,760
Average Assets, year-to-date$582,650,2001,533
Average Assets, quarterly$502,803,5001,741
Volatile liabilities$04,544
Insider loans$04,059
FHLB advances$02,484
Loans and leases held for sale$01,039
Unused loan commitments$8,301,0003,656
Tier 1 (core) risk-based capital$151,271,000734
Tier 2 risk-based capital$02,975
Total risk weighted assets$03,055
Total unused commitments$8,301,0003,656
Derivatives$01,127
2022-09-30Rank
# of Employees:642236
Assets and Liabilities
Total Assets:$529,168,0001,686
Cash and due from depository institutions$393,911,000236
Interest-bearing balances$370,862,000181
Securities$75,276,0002,197
Federal funds sold & reverse repurchase agreements$01,881
Net loans & leases$25,075,0004,358
Loan loss allowance$2,854,0002,123
Trading account assets$0245
Bank premises and fixed assets$1,617,0003,274
Other real estate owned$0236
Goodwill and other intangibles$8,474,000652
All other assets$24,815,0001,147
Life insurance assets$03,189
Total liabilities and capital$529,168,0001,686
Total liabilities$348,123,0002,117
Total deposits$302,073,0002,258
Interest-bearing deposits$161,696,0002,691
Deposits held in domestic offices$302,073,0002,257
% insured99.97%14
Federal funds purchased & repurchase agreements$01,224
Trading liabilities$0179
Other borrowed funds$02,496
Subordinated debt$071
All other liabilities$46,050,000328
Total equity capital$181,045,000558
Total bank equity capital$181,045,000558
Perpetual preferred stock$074
Common stock$04,307
Surplus$743,209,000148
Undivided profits$-562,164,0004,755
Noncontrolling interests in consolidated subsidiaries$0107
Memoranda
Noncurrent loans and leases$33,0003,719
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0607
Income earned, not collected on loans$507,0003,696
Earning assets$471,213,0001,732
Long-term assets (5+ years)$27,486,0003,752
Average Assets, year-to-date$609,203,0001,468
Average Assets, quarterly$561,173,0001,596
Volatile liabilities$04,570
Insider loans$04,093
FHLB advances$02,270
Loans and leases held for sale$01,234
Unused loan commitments$7,523,0003,760
Tier 1 (core) risk-based capital$181,841,000628
Tier 2 risk-based capital$03,044
Total risk weighted assets$03,120
Total unused commitments$7,523,0003,760
Derivatives$01,203
2022-06-30Rank
# of Employees:777197
Assets and Liabilities
Total Assets:$593,178,0001,522
Cash and due from depository institutions$487,224,000197
Interest-bearing balances$403,491,000205
Securities$47,820,0002,866
Federal funds sold & reverse repurchase agreements$01,944
Net loans & leases$18,950,0004,522
Loan loss allowance$2,334,0002,426
Trading account assets$0253
Bank premises and fixed assets$2,009,0003,116
Other real estate owned$0197
Goodwill and other intangibles$10,205,000585
All other assets$26,970,0001,036
Life insurance assets$03,216
Total liabilities and capital$593,178,0001,522
Total liabilities$370,960,0002,028
Total deposits$311,758,0002,217
Interest-bearing deposits$163,272,0002,708
Deposits held in domestic offices$311,758,0002,217
% insured100.00%13
Federal funds purchased & repurchase agreements$01,064
Trading liabilities$0183
Other borrowed funds$02,406
Subordinated debt$073
All other liabilities$59,202,000264
Total equity capital$222,218,000472
Total bank equity capital$222,218,000472
Perpetual preferred stock$074
Common stock$04,327
Surplus$739,572,000144
Undivided profits$-517,354,0004,775
Noncontrolling interests in consolidated subsidiaries$0109
Memoranda
Noncurrent loans and leases$04,026
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0621
Income earned, not collected on loans$86,0004,665
Earning assets$470,261,0001,738
Long-term assets (5+ years)$30,586,0003,743
Average Assets, year-to-date$635,881,3331,419
Average Assets, quarterly$629,180,5001,442
Volatile liabilities$04,627
Insider loans$04,177
FHLB advances$02,168
Loans and leases held for sale$01,335
Unused loan commitments$6,354,0003,942
Tier 1 (core) risk-based capital$218,963,000506
Tier 2 risk-based capital$03,052
Total risk weighted assets$03,090
Total unused commitments$6,354,0003,942
Derivatives$01,253
2022-03-31Rank
# of Employees:768200
Assets and Liabilities
Total Assets:$665,183,0001,379
Cash and due from depository institutions$559,293,000200
Interest-bearing balances$484,001,000237
Securities$52,008,0002,714
Federal funds sold & reverse repurchase agreements$02,021
Net loans & leases$12,384,0004,634
Loan loss allowance$1,659,0002,876
Trading account assets$0254
Bank premises and fixed assets$2,402,0002,924
Other real estate owned$0200
Goodwill and other intangibles$11,712,000558
All other assets$27,384,000974
Life insurance assets$03,230
Total liabilities and capital$665,183,0001,379
Total liabilities$401,579,0001,902
Total deposits$335,533,0002,105
Interest-bearing deposits$176,642,0002,617
Deposits held in domestic offices$335,533,0002,105
% insured100.00%1
Federal funds purchased & repurchase agreements$0970
Trading liabilities$0188
Other borrowed funds$02,426
Subordinated debt$073
All other liabilities$66,046,000241
Total equity capital$263,604,000428
Total bank equity capital$263,604,000428
Perpetual preferred stock$068
Common stock$04,348
Surplus$701,845,000151
Undivided profits$-438,241,0004,800
Noncontrolling interests in consolidated subsidiaries$0112
Memoranda
Noncurrent loans and leases$04,066
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0644
Income earned, not collected on loans$282,0004,172
Earning assets$548,393,0001,543
Long-term assets (5+ years)$34,431,0003,647
Average Assets, year-to-date$657,233,0001,382
Average Assets, quarterly$657,233,0001,382
Volatile liabilities$04,655
Insider loans$04,198
FHLB advances$02,169
Loans and leases held for sale$01,440
Unused loan commitments$5,235,0004,056
Tier 1 (core) risk-based capital$256,824,000433
Tier 2 risk-based capital$03,058
Total risk weighted assets$03,097
Total unused commitments$5,235,0004,056
Derivatives$01,294
2021-12-31Rank
# of Employees:833184
Assets and Liabilities
Total Assets:$649,283,0001,409
Cash and due from depository institutions$534,688,000184
Interest-bearing balances$515,722,000258
Securities$57,536,0002,505
Federal funds sold & reverse repurchase agreements$02,022
Net loans & leases$7,671,0004,757
Loan loss allowance$1,824,0002,752
Trading account assets$0251
Bank premises and fixed assets$180,0004,520
Other real estate owned$0184
Goodwill and other intangibles$12,789,000543
All other assets$36,419,000717
Life insurance assets$03,241
Total liabilities and capital$649,283,0001,409
Total liabilities$303,785,0002,309
Total deposits$251,128,0002,546
Interest-bearing deposits$143,126,0002,894
Deposits held in domestic offices$251,128,0002,546
% insured100.00%12
Federal funds purchased & repurchase agreements$01,011
Trading liabilities$0189
Other borrowed funds$02,536
Subordinated debt$074
All other liabilities$52,657,000273
Total equity capital$345,498,000371
Total bank equity capital$345,498,000371
Perpetual preferred stock$069
Common stock$04,391
Surplus$695,960,000154
Undivided profits$-350,462,0004,843
Noncontrolling interests in consolidated subsidiaries$0114
Memoranda
Noncurrent loans and leases$04,145
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0691
Income earned, not collected on loans$60,0004,764
Earning assets$580,929,0001,462
Long-term assets (5+ years)$39,051,0003,539
Average Assets, year-to-date$509,503,0001,677
Average Assets, quarterly$690,514,5001,338
Volatile liabilities$04,708
Insider loans$04,255
FHLB advances$02,266
Loans and leases held for sale$01,515
Unused loan commitments$2,850,0004,310
Tier 1 (core) risk-based capital$334,289,000359
Tier 2 risk-based capital$03,044
Total risk weighted assets$03,091
Total unused commitments$2,850,0004,310
Derivatives$01,308
2021-09-30Rank
# of Employees:761199
Assets and Liabilities
Total Assets:$731,746,0001,289
Cash and due from depository institutions$631,455,000199
Interest-bearing balances$576,915,000248
Securities$60,630,0002,369
Federal funds sold & reverse repurchase agreements$02,071
Net loans & leases$3,503,0004,872
Loan loss allowance$2,554,0002,334
Trading account assets$0252
Bank premises and fixed assets$177,0004,595
Other real estate owned$0199
Goodwill and other intangibles$13,754,000527
All other assets$22,227,0001,099
Life insurance assets$03,251
Total liabilities and capital$731,746,0001,289
Total liabilities$301,410,0002,325
Total deposits$260,631,0002,484
Interest-bearing deposits$148,377,0002,852
Deposits held in domestic offices$260,631,0002,484
% insured100.00%14
Federal funds purchased & repurchase agreements$01,041
Trading liabilities$0188
Other borrowed funds$02,649
Subordinated debt$079
All other liabilities$40,779,000324
Total equity capital$430,336,000307
Total bank equity capital$430,336,000307
Perpetual preferred stock$073
Common stock$04,465
Surplus$691,426,000152
Undivided profits$-261,090,0004,916
Noncontrolling interests in consolidated subsidiaries$0119
Memoranda
Noncurrent loans and leases$7,0004,155
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0696
Income earned, not collected on loans$144,0004,697
Earning assets$641,048,0001,361
Long-term assets (5+ years)$31,288,0003,769
Average Assets, year-to-date$474,558,0001,782
Average Assets, quarterly$489,811,0001,769
Volatile liabilities$04,772
Insider loans$04,337
FHLB advances$02,353
Loans and leases held for sale$01,588
Unused loan commitments$4,285,0004,194
Tier 1 (core) risk-based capital$416,897,000303
Tier 2 risk-based capital$03,084
Total risk weighted assets$03,123
Total unused commitments$4,285,0004,194
Derivatives$01,359
2021-06-30Rank
# of Employees:651227
Assets and Liabilities
Total Assets:$247,876,0002,789
Cash and due from depository institutions$165,915,000227
Interest-bearing balances$126,560,000846
Securities$30,374,0003,180
Federal funds sold & reverse repurchase agreements$02,100
Net loans & leases$4,545,0004,905
Loan loss allowance$3,183,0002,019
Trading account assets$0244
Bank premises and fixed assets$140,0004,688
Other real estate owned$0227
Goodwill and other intangibles$14,427,000505
All other assets$32,475,000794
Life insurance assets$03,269
Total liabilities and capital$247,876,0002,789
Total liabilities$180,937,0003,108
Total deposits$152,415,0003,300
Interest-bearing deposits$91,165,0003,577
Deposits held in domestic offices$152,415,0003,299
% insured99.65%21
Federal funds purchased & repurchase agreements$01,047
Trading liabilities$0188
Other borrowed funds$02,737
Subordinated debt$086
All other liabilities$28,522,000393
Total equity capital$66,939,0001,426
Total bank equity capital$66,939,0001,425
Perpetual preferred stock$078
Common stock$04,502
Surplus$254,669,000250
Undivided profits$-187,730,0004,952
Noncontrolling interests in consolidated subsidiaries$0117
Memoranda
Noncurrent loans and leases$2,0004,252
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0727
Income earned, not collected on loans$41,0004,895
Earning assets$161,479,0003,329
Long-term assets (5+ years)$11,587,0004,466
Average Assets, year-to-date$388,828,6672,042
Average Assets, quarterly$325,686,0002,360
Volatile liabilities$04,809
Insider loans$04,380
FHLB advances$02,425
Loans and leases held for sale$01,646
Unused loan commitments$4,623,0004,193
Tier 1 (core) risk-based capital$52,912,0001,651
Tier 2 risk-based capital$03,065
Total risk weighted assets$03,105
Total unused commitments$4,623,0004,193
Derivatives$01,374
2021-03-31Rank
# of Employees:595253
Assets and Liabilities
Total Assets:$403,496,0002,018
Cash and due from depository institutions$294,041,000253
Interest-bearing balances$291,490,000403
Securities$30,226,0003,089
Federal funds sold & reverse repurchase agreements$02,240
Net loans & leases$3,427,0004,940
Loan loss allowance$2,459,0002,374
Trading account assets$0239
Bank premises and fixed assets$143,0004,703
Other real estate owned$0253
Goodwill and other intangibles$14,126,000506
All other assets$61,533,000454
Life insurance assets$03,266
Total liabilities and capital$403,496,0002,018
Total liabilities$309,082,0002,247
Total deposits$281,589,0002,332
Interest-bearing deposits$172,268,0002,596
Deposits held in domestic offices$281,589,0002,332
% insured99.90%17
Federal funds purchased & repurchase agreements$01,025
Trading liabilities$0183
Other borrowed funds$02,835
Subordinated debt$088
All other liabilities$27,493,000401
Total equity capital$94,414,0001,062
Total bank equity capital$94,414,0001,062
Perpetual preferred stock$079
Common stock$04,530
Surplus$224,058,000265
Undivided profits$-129,644,0004,978
Noncontrolling interests in consolidated subsidiaries$0119
Memoranda
Noncurrent loans and leases$24,0004,179
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0740
Income earned, not collected on loans$112,0004,811
Earning assets$325,143,0002,236
Long-term assets (5+ years)$11,488,0004,444
Average Assets, year-to-date$459,305,0001,813
Average Assets, quarterly$459,305,0001,813
Volatile liabilities$04,839
Insider loans$04,428
FHLB advances$02,533
Loans and leases held for sale$01,699
Unused loan commitments$2,877,0004,435
Tier 1 (core) risk-based capital$80,733,0001,161
Tier 2 risk-based capital$03,042
Total risk weighted assets$03,080
Total unused commitments$2,877,0004,435
Derivatives$01,388
2020-12-31Rank
# of Employees:545268
Assets and Liabilities
Total Assets:$515,114,0001,614
Cash and due from depository institutions$384,489,000268
Interest-bearing balances$382,145,000262
Securities$30,812,0002,975
Federal funds sold & reverse repurchase agreements$02,230
Net loans & leases$1,619,0004,965
Loan loss allowance$1,945,0002,673
Trading account assets$0229
Bank premises and fixed assets$160,0004,700
Other real estate owned$0268
Goodwill and other intangibles$14,543,000492
All other assets$83,491,000347
Life insurance assets$03,272
Total liabilities and capital$515,114,0001,614
Total liabilities$433,269,0001,703
Total deposits$415,271,0001,684
Interest-bearing deposits$288,315,0001,747
Deposits held in domestic offices$415,271,0001,684
% insured99.23%26
Federal funds purchased & repurchase agreements$01,074
Trading liabilities$0184
Other borrowed funds$02,958
Subordinated debt$091
All other liabilities$17,998,000553
Total equity capital$81,845,0001,178
Total bank equity capital$81,845,0001,178
Perpetual preferred stock$076
Common stock$04,547
Surplus$165,233,000311
Undivided profits$-83,388,0004,999
Noncontrolling interests in consolidated subsidiaries$0122
Memoranda
Noncurrent loans and leases$7,0004,351
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0760
Income earned, not collected on loans$37,0004,956
Earning assets$414,576,0001,819
Long-term assets (5+ years)$11,810,0004,370
Average Assets, year-to-date$331,995,0002,130
Average Assets, quarterly$331,995,0002,221
Volatile liabilities$04,870
Insider loans$04,446
FHLB advances$02,646
Loans and leases held for sale$01,713
Unused loan commitments$5,313,0004,070
Tier 1 (core) risk-based capital$67,297,0001,324
Tier 2 risk-based capital$03,064
Total risk weighted assets$03,104
Total unused commitments$5,313,0004,070
Derivatives$01,387
2020-09-30Rank
# of Employees:506285
Assets and Liabilities
Total Assets:$148,876,0003,497
Cash and due from depository institutions$114,463,000285
Interest-bearing balances$112,314,000662
Securities$04,892
Federal funds sold & reverse repurchase agreements$02,261
Net loans & leases$711,0005,001
Loan loss allowance$129,0004,880
Trading account assets$0229
Bank premises and fixed assets$233,0004,635
Other real estate owned$0285
Goodwill and other intangibles$15,698,000462
All other assets$17,771,0001,238
Life insurance assets$03,271
Total liabilities and capital$148,876,0003,497
Total liabilities$26,304,0004,895
Total deposits$38,0005,042
Interest-bearing deposits$20,0005,023
Deposits held in domestic offices$38,0005,042
% insured100.00%2
Federal funds purchased & repurchase agreements$01,115
Trading liabilities$0176
Other borrowed funds$03,152
Subordinated debt$094
All other liabilities$26,266,000430
Total equity capital$122,572,000827
Total bank equity capital$122,572,000827
Perpetual preferred stock$075
Common stock$04,578
Surplus$164,206,000310
Undivided profits$-41,634,0005,024
Noncontrolling interests in consolidated subsidiaries$0118
Memoranda
Noncurrent loans and leases$04,475
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0766
Income earned, not collected on loans$4,0005,018
Earning assets$113,025,0003,796
Long-term assets (5+ years)$05,010
Average Assets, year-to-date$148,876,0003,407
Average Assets, quarterly$148,876,0003,486
Volatile liabilities$04,910
Insider loans$04,497
FHLB advances$02,839
Loans and leases held for sale$01,754
Unused loan commitments$04,943
Tier 1 (core) risk-based capital$106,874,000877
Tier 2 risk-based capital$130,0003,019
Total risk weighted assets$23,048,0002,972
Total unused commitments$04,943
Derivatives$01,374