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Volunteer Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $63,694,000 | 610 |
| Total interest expense | $29,545,000 | 623 |
| Net interest income | $34,149,000 | 598 |
| Provision for loan and lease losses | $2,754,000 | 483 |
| Total noninterest income | $7,573,000 | 715 |
| Gross Fiduciary activities income | $558,000 | 674 |
| Service charges on deposit accounts | $4,129,000 | 365 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,886,000 | 903 |
| Total noninterest expense | $24,597,000 | 658 |
| Salaries and employee benefits | $10,803,000 | 652 |
| Premises and equipment expense | $3,795,000 | 587 |
| Additional noninterest expense | $9,999,000 | 676 |
| Pre-tax net operating income | $14,371,000 | 588 |
| Securities gains (losses) | $-120,000 | 11,241 |
| Applicable income taxes | $4,952,000 | 590 |
| Income before extraordinary items | $9,299,000 | 622 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,299,000 | 622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,675,000 | 483 |
| Cash dividends | $12,400,000 | 371 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 719 |
| Net operating income | $9,377,000 | 606 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $59,351,000 | 671 |
| Total interest expense | $29,523,000 | 652 |
| Net interest income | $29,828,000 | 680 |
| Provision for loan and lease losses | $1,667,000 | 663 |
| Total noninterest income | $5,781,000 | 871 |
| Gross Fiduciary activities income | $499,000 | 743 |
| Service charges on deposit accounts | $3,445,000 | 446 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,837,000 | 1,192 |
| Total noninterest expense | $25,411,000 | 660 |
| Salaries and employee benefits | $11,437,000 | 614 |
| Premises and equipment expense | $3,708,000 | 629 |
| Additional noninterest expense | $10,266,000 | 670 |
| Pre-tax net operating income | $8,531,000 | 932 |
| Securities gains (losses) | $-213,000 | 11,685 |
| Applicable income taxes | $2,400,000 | 1,081 |
| Income before extraordinary items | $5,918,000 | 918 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,918,000 | 918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,141,000 | 812 |
| Cash dividends | $3,756,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,069,230 | 897 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $29,014,000 | 1,096 |
| Total interest expense | $12,502,000 | 1,056 |
| Net interest income | $16,512,000 | 1,114 |
| Provision for loan and lease losses | $530,000 | 1,473 |
| Total noninterest income | $3,215,000 | 1,298 |
| Gross Fiduciary activities income | $447,000 | 771 |
| Service charges on deposit accounts | $2,038,000 | 674 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $730,000 | 2,263 |
| Total noninterest expense | $13,588,000 | 1,105 |
| Salaries and employee benefits | $5,934,000 | 1,133 |
| Premises and equipment expense | $2,021,000 | 1,046 |
| Additional noninterest expense | $5,633,000 | 1,060 |
| Pre-tax net operating income | $5,609,000 | 1,329 |
| Securities gains (losses) | $-70,000 | 11,304 |
| Applicable income taxes | $1,665,000 | 1,407 |
| Income before extraordinary items | $3,874,000 | 1,297 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,874,000 | 1,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,921 |
| Cash dividends | $1,800,000 | 1,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,923,000 | 1,296 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $28,845,000 | 1,099 |
| Total interest expense | $11,141,000 | 1,222 |
| Net interest income | $17,704,000 | 1,042 |
| Provision for loan and lease losses | $1,631,000 | 938 |
| Total noninterest income | $3,447,000 | 1,310 |
| Gross Fiduciary activities income | $464,000 | 792 |
| Service charges on deposit accounts | $2,163,000 | 636 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $820,000 | 2,352 |
| Total noninterest expense | $13,724,000 | 1,144 |
| Salaries and employee benefits | $7,263,000 | 930 |
| Premises and equipment expense | $2,093,000 | 1,038 |
| Additional noninterest expense | $4,368,000 | 1,415 |
| Pre-tax net operating income | $5,796,000 | 1,201 |
| Securities gains (losses) | $-345,000 | 13,238 |
| Applicable income taxes | $1,194,000 | 1,933 |
| Income before extraordinary items | $4,257,000 | 1,198 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,257,000 | 1,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,075,000 | 1,098 |
| Cash dividends | $1,775,000 | 1,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,526,100 | 1,062 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,540,000 | 5,864 |
| Total interest expense | $2,419,000 | 6,142 |
| Net interest income | $3,121,000 | 5,537 |
| Provision for loan and lease losses | $489,000 | 3,058 |
| Total noninterest income | $236,000 | 8,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 6,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $1,833,000 | 6,845 |
| Salaries and employee benefits | $803,000 | 7,239 |
| Premises and equipment expense | $199,000 | 7,855 |
| Additional noninterest expense | $831,000 | 5,879 |
| Pre-tax net operating income | $1,035,000 | 5,495 |
| Securities gains (losses) | $-30,000 | 13,581 |
| Applicable income taxes | $271,000 | 6,345 |
| Income before extraordinary items | $734,000 | 5,720 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $734,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $418,000 | 2,754 |
| Cash dividends | $281,000 | 4,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $755,900 | 5,267 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.