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Volunteer Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 396 | 480 |
| Assets and Liabilities | ||
| Total Assets: | $828,949,000 | 639 |
| Cash and due from depository institutions | $35,496,000 | 480 |
| Interest-bearing balances | $296,000 | 3,639 |
| Securities | $205,413,000 | 626 |
| Federal funds sold & reverse repurchase agreements | $43,300,000 | 334 |
| Net loans & leases | $514,120,000 | 655 |
| Loan loss allowance | $8,600,000 | 592 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $16,094,000 | 472 |
| Other real estate owned | $426,000 | 480 |
| Goodwill and other intangibles | $1,633,000 | 1,032 |
| All other assets | $12,467,000 | 762 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $828,949,000 | 639 |
| Total liabilities | $757,025,000 | 639 |
| Total deposits | $720,932,000 | 578 |
| Interest-bearing deposits | $620,798,000 | 575 |
| Deposits held in domestic offices | $720,932,000 | 571 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,636,000 | 1,314 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $19,624,000 | 948 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $8,833,000 | 670 |
| Total equity capital | $71,924,000 | 677 |
| Total bank equity capital | $71,924,000 | 677 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $260,000 | 6,860 |
| Surplus | $25,058,000 | 768 |
| Undivided profits | $46,606,000 | 568 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,675,000 | 926 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $3,851,000 | 601 |
| Earning assets | $763,129,000 | 633 |
| Long-term assets (5+ years) | $107,982,000 | 679 |
| Average Assets, year-to-date | $799,911,800 | 634 |
| Average Assets, quarterly | $815,121,500 | 644 |
| Volatile liabilities | $93,530,000 | 915 |
| Insider loans | $10,857,000 | 401 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $145,829,000 | 521 |
| Tier 1 (core) risk-based capital | $70,197,000 | 648 |
| Tier 2 risk-based capital | $6,833,050 | 586 |
| Total risk weighted assets | $544,877,350 | 628 |
| Total unused commitments | $145,829,000 | 524 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 414 | 488 |
| Assets and Liabilities | ||
| Total Assets: | $787,940,000 | 686 |
| Cash and due from depository institutions | $24,125,000 | 488 |
| Interest-bearing balances | $979,000 | 2,607 |
| Securities | $202,511,000 | 665 |
| Federal funds sold & reverse repurchase agreements | $21,450,000 | 684 |
| Net loans & leases | $511,627,000 | 671 |
| Loan loss allowance | $8,521,000 | 615 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $15,139,000 | 505 |
| Other real estate owned | $404,000 | 488 |
| Goodwill and other intangibles | $1,778,000 | 914 |
| All other assets | $10,906,000 | 883 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $787,940,000 | 686 |
| Total liabilities | $712,756,000 | 691 |
| Total deposits | $671,640,000 | 633 |
| Interest-bearing deposits | $597,038,000 | 612 |
| Deposits held in domestic offices | $671,640,000 | 623 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,448,000 | 1,147 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $21,615,000 | 834 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $10,053,000 | 665 |
| Total equity capital | $75,184,000 | 669 |
| Total bank equity capital | $75,184,000 | 669 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $260,000 | 7,223 |
| Surplus | $70,083,000 | 364 |
| Undivided profits | $4,841,000 | 4,621 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,745,000 | 1,693 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $3,887,000 | 623 |
| Earning assets | $736,567,000 | 671 |
| Long-term assets (5+ years) | $94,160,000 | 718 |
| Average Assets, year-to-date | $761,000,600 | 685 |
| Average Assets, quarterly | $791,722,000 | 676 |
| Volatile liabilities | $74,437,000 | 989 |
| Insider loans | $12,228,000 | 385 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $25,000 | 1,581 |
| Unused loan commitments | $106,230,000 | 655 |
| Tier 1 (core) risk-based capital | $73,129,000 | 646 |
| Tier 2 risk-based capital | $6,493,810 | 621 |
| Total risk weighted assets | $517,477,210 | 657 |
| Total unused commitments | $106,230,000 | 658 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 242 | 814 |
| Assets and Liabilities | ||
| Total Assets: | $428,274,000 | 1,110 |
| Cash and due from depository institutions | $21,002,000 | 814 |
| Interest-bearing balances | $147,000 | 4,830 |
| Securities | $123,984,000 | 1,052 |
| Federal funds sold & reverse repurchase agreements | $1,350,000 | 4,764 |
| Net loans & leases | $269,164,000 | 1,060 |
| Loan loss allowance | $4,660,000 | 961 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $8,358,000 | 874 |
| Other real estate owned | $175,000 | 814 |
| Goodwill and other intangibles | $307,000 | 1,713 |
| All other assets | $3,934,000 | 2,097 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $428,274,000 | 1,110 |
| Total liabilities | $390,132,000 | 1,113 |
| Total deposits | $376,434,000 | 1,018 |
| Interest-bearing deposits | $326,369,000 | 1,038 |
| Deposits held in domestic offices | $376,434,000 | 1,009 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,589,000 | 1,695 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $3,333,000 | 2,080 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $4,776,000 | 950 |
| Total equity capital | $38,142,000 | 1,091 |
| Total bank equity capital | $38,142,000 | 1,091 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $255,000 | 7,646 |
| Surplus | $10,298,000 | 1,490 |
| Undivided profits | $27,589,000 | 850 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,151,000 | 2,397 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,198,000 | 1,635 |
| Earning assets | $394,645,000 | 1,108 |
| Long-term assets (5+ years) | $70,567,000 | 898 |
| Average Assets, year-to-date | $429,445,600 | 1,072 |
| Average Assets, quarterly | $430,811,000 | 1,094 |
| Volatile liabilities | $45,393,000 | 1,340 |
| Insider loans | $8,835,000 | 498 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $34,786,000 | 1,290 |
| Tier 1 (core) risk-based capital | $38,221,000 | 1,074 |
| Tier 2 risk-based capital | $3,884,390 | 873 |
| Total risk weighted assets | $309,975,290 | 948 |
| Total unused commitments | $34,786,000 | 1,298 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 248 | 838 |
| Assets and Liabilities | ||
| Total Assets: | $427,851,000 | 1,123 |
| Cash and due from depository institutions | $21,853,000 | 838 |
| Interest-bearing balances | $100,000 | 6,134 |
| Securities | $120,998,000 | 1,143 |
| Federal funds sold & reverse repurchase agreements | $17,550,000 | 765 |
| Net loans & leases | $255,637,000 | 1,101 |
| Loan loss allowance | $4,425,000 | 1,080 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $7,671,000 | 946 |
| Other real estate owned | $169,000 | 838 |
| Goodwill and other intangibles | $310,000 | 1,599 |
| All other assets | $3,663,000 | 2,030 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $427,851,000 | 1,123 |
| Total liabilities | $391,464,000 | 1,126 |
| Total deposits | $380,120,000 | 1,046 |
| Interest-bearing deposits | $325,011,000 | 1,070 |
| Deposits held in domestic offices | $380,120,000 | 1,035 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,499,000 | 1,430 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $2,456,000 | 2,004 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $3,389,000 | 1,236 |
| Total equity capital | $36,387,000 | 1,136 |
| Total bank equity capital | $36,387,000 | 1,136 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $255,000 | 8,051 |
| Surplus | $10,298,000 | 1,418 |
| Undivided profits | $25,834,000 | 893 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,954,000 | 1,956 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,212,000 | 1,420 |
| Earning assets | $394,285,000 | 1,117 |
| Long-term assets (5+ years) | $74,716,000 | 868 |
| Average Assets, year-to-date | $414,672,200 | 1,117 |
| Average Assets, quarterly | $416,486,500 | 1,136 |
| Volatile liabilities | $43,280,000 | 1,350 |
| Insider loans | $11,278,000 | 386 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $30,829,000 | 1,413 |
| Tier 1 (core) risk-based capital | $36,152,000 | 1,102 |
| Tier 2 risk-based capital | $3,738,450 | 913 |
| Total risk weighted assets | $298,389,450 | 967 |
| Total unused commitments | $30,829,000 | 1,438 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 31 | 6,386 |
| Assets and Liabilities | ||
| Total Assets: | $68,426,000 | 6,243 |
| Cash and due from depository institutions | $1,954,000 | 6,386 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $17,204,000 | 6,753 |
| Federal funds sold & reverse repurchase agreements | $14,375,000 | 1,165 |
| Net loans & leases | $32,629,000 | 6,636 |
| Loan loss allowance | $505,000 | 6,410 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,826,000 | 3,916 |
| Other real estate owned | $0 | 6,386 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $438,000 | 10,294 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $68,426,000 | 6,243 |
| Total liabilities | $62,547,000 | 6,207 |
| Total deposits | $61,848,000 | 6,083 |
| Interest-bearing deposits | $55,444,000 | 5,945 |
| Deposits held in domestic offices | $61,848,000 | 6,074 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $699,000 | 4,428 |
| Total equity capital | $5,879,000 | 6,261 |
| Total bank equity capital | $5,879,000 | 6,261 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $255,000 | 8,464 |
| Surplus | $760,000 | 9,342 |
| Undivided profits | $4,864,000 | 4,266 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $74,000 | 10,659 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $163,000 | 9,658 |
| Earning assets | $64,208,000 | 6,116 |
| Long-term assets (5+ years) | $7,900,000 | 5,014 |
| Average Assets, year-to-date | $67,020,200 | 6,214 |
| Average Assets, quarterly | $67,444,500 | 6,261 |
| Volatile liabilities | $5,878,000 | 5,963 |
| Insider loans | $62,000 | 6,789 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,222,000 | 7,018 |
| Tier 1 (core) risk-based capital | $5,879,000 | 6,180 |
| Tier 2 risk-based capital | $505,000 | 5,157 |
| Total risk weighted assets | $41,138,100 | 5,803 |
| Total unused commitments | $2,222,000 | 7,047 |
| Derivatives | $0 | 651 |