Home > Volunteer Bank and Trust Company of Hamilton County > Income and Expense
Volunteer Bank and Trust Company of Hamilton County, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,950,000 | 5,036 |
| Total interest expense | $2,522,000 | 5,333 |
| Net interest income | $3,428,000 | 4,672 |
| Provision for loan and lease losses | $118,000 | 4,801 |
| Total noninterest income | $1,061,000 | 2,952 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $541,000 | 2,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $520,000 | 2,909 |
| Total noninterest expense | $3,067,000 | 4,037 |
| Salaries and employee benefits | $1,842,000 | 3,599 |
| Premises and equipment expense | $549,000 | 3,430 |
| Additional noninterest expense | $676,000 | 5,301 |
| Pre-tax net operating income | $1,304,000 | 4,606 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $447,000 | 4,141 |
| Income before extraordinary items | $864,000 | 4,947 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $864,000 | 4,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,434 |
| Cash dividends | $348,000 | 4,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $859,380 | 4,882 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,513,000 | 5,401 |
| Total interest expense | $2,154,000 | 5,976 |
| Net interest income | $3,359,000 | 4,874 |
| Provision for loan and lease losses | $66,000 | 6,012 |
| Total noninterest income | $788,000 | 3,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $532,000 | 2,466 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,304 |
| Total noninterest expense | $2,579,000 | 4,669 |
| Salaries and employee benefits | $1,444,000 | 4,390 |
| Premises and equipment expense | $472,000 | 3,899 |
| Additional noninterest expense | $663,000 | 5,444 |
| Pre-tax net operating income | $1,502,000 | 4,496 |
| Securities gains (losses) | $24,000 | 1,768 |
| Applicable income taxes | $524,000 | 4,072 |
| Income before extraordinary items | $1,002,000 | 4,705 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,002,000 | 4,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $233,000 | 5,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $986,160 | 4,690 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,592,000 | 6,303 |
| Total interest expense | $1,768,000 | 6,911 |
| Net interest income | $2,824,000 | 5,694 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $549,000 | 4,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,006 |
| Total noninterest expense | $2,117,000 | 5,706 |
| Salaries and employee benefits | $1,180,000 | 5,280 |
| Premises and equipment expense | $386,000 | 4,667 |
| Additional noninterest expense | $551,000 | 6,674 |
| Pre-tax net operating income | $1,246,000 | 4,998 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $439,000 | 4,584 |
| Income before extraordinary items | $811,000 | 5,254 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $811,000 | 5,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $340,000 | 4,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $808,400 | 5,204 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,819,000 | 7,190 |
| Total interest expense | $1,512,000 | 7,671 |
| Net interest income | $2,307,000 | 6,668 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $729,000 | 3,959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $475,000 | 2,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,434 |
| Total noninterest expense | $1,954,000 | 6,098 |
| Salaries and employee benefits | $1,068,000 | 5,732 |
| Premises and equipment expense | $310,000 | 5,489 |
| Additional noninterest expense | $576,000 | 6,684 |
| Pre-tax net operating income | $1,082,000 | 5,664 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $369,000 | 5,228 |
| Income before extraordinary items | $713,000 | 5,905 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $713,000 | 5,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $349,000 | 4,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $713,000 | 5,888 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,401,000 | 7,481 |
| Total interest expense | $1,027,000 | 8,577 |
| Net interest income | $2,374,000 | 6,709 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $364,000 | 6,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $328,000 | 4,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,409 |
| Total noninterest expense | $1,786,000 | 6,734 |
| Salaries and employee benefits | $975,000 | 6,208 |
| Premises and equipment expense | $322,000 | 5,409 |
| Additional noninterest expense | $489,000 | 7,958 |
| Pre-tax net operating income | $952,000 | 6,160 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $364,000 | 5,112 |
| Income before extraordinary items | $588,000 | 6,632 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $588,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $428,000 | 3,561 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $588,000 | 6,692 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,150,000 | 8,095 |
| Total interest expense | $955,000 | 9,314 |
| Net interest income | $2,195,000 | 7,200 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $403,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 11,511 |
| Total noninterest expense | $1,751,000 | 7,037 |
| Salaries and employee benefits | $918,000 | 6,609 |
| Premises and equipment expense | $331,000 | 5,447 |
| Additional noninterest expense | $502,000 | 8,190 |
| Pre-tax net operating income | $842,000 | 6,613 |
| Securities gains (losses) | $-3,000 | 12,455 |
| Applicable income taxes | $139,000 | 8,881 |
| Income before extraordinary items | $700,000 | 6,111 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $700,000 | 6,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 12,684 |
| Cash dividends | $846,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $702,490 | 5,828 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 8,781 |
| Total interest expense | $1,159,000 | 9,760 |
| Net interest income | $1,953,000 | 7,889 |
| Provision for loan and lease losses | $21,000 | 10,525 |
| Total noninterest income | $432,000 | 6,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $405,000 | 3,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 12,017 |
| Total noninterest expense | $1,781,000 | 7,004 |
| Salaries and employee benefits | $930,000 | 6,452 |
| Premises and equipment expense | $369,000 | 5,129 |
| Additional noninterest expense | $482,000 | 8,632 |
| Pre-tax net operating income | $583,000 | 7,847 |
| Securities gains (losses) | $50,000 | 4,121 |
| Applicable income taxes | $215,000 | 7,283 |
| Income before extraordinary items | $418,000 | 8,037 |
| Extraordinary gains, net | $215,000 | 407 |
| Net income | $633,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 13,369 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,000 | 8,013 |
* 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.