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Volunteer Federal Savings Association, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $993,000 | 12,311 |
| Total interest expense | $1,048,000 | 8,886 |
| Net interest income | $-55,000 | 13,247 |
| Provision for loan and lease losses | $-961,000 | 13,220 |
| Total noninterest income | $1,793,000 | 2,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,793,000 | 1,360 |
| Total noninterest expense | $8,415,000 | 1,783 |
| Salaries and employee benefits | $874,000 | 6,871 |
| Premises and equipment expense | $339,000 | 5,353 |
| Additional noninterest expense | $7,202,000 | 961 |
| Pre-tax net operating income | $-5,716,000 | 13,188 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-10,000 | 12,784 |
| Income before extraordinary items | $-5,706,000 | 13,171 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-5,706,000 | 13,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,029,000 | 560 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-5,706,000 | 13,157 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 10,098 |
| Total interest expense | $1,509,000 | 8,475 |
| Net interest income | $886,000 | 11,576 |
| Provision for loan and lease losses | $510,000 | 2,951 |
| Total noninterest income | $487,000 | 5,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $487,000 | 3,248 |
| Total noninterest expense | $3,114,000 | 4,372 |
| Salaries and employee benefits | $648,000 | 8,396 |
| Premises and equipment expense | $267,000 | 6,488 |
| Additional noninterest expense | $2,199,000 | 2,594 |
| Pre-tax net operating income | $-2,251,000 | 13,663 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-90,000 | 13,572 |
| Income before extraordinary items | $-2,161,000 | 13,688 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,161,000 | 13,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 13,630 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-2,161,000 | 13,640 |
* 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.