Vitals
  • Total Assets
    598.9M 12.9 %
  • Total Deposits
    466.4M 15.8 %
  • Total Net Loans
    489.0M 15.8 %
  • Net Income
    13.5M 9.8 %
  • Book Value
    59.1M 7.4 %
  • Book Value x2
    118.1M 7.4 %
  • Book Value x3
    177.2M 7.4 %
ROAA

2.519

ROAE

23.589

Efficiency Ratio

68.364

Net Interest Margin

4.178

Balance Sheet Highlights
Financial Highlights Volunteer State Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 598,906 350,717
Total Net Loans 488,960 240,957
Total Deposits 466,443 296,573
Total Equity 59,053 37,152
Profitability
Net Income 13,480 3,593
Return on Average Assets 2.519 .956
Return on Average Equity 23.589 8.82
Net Interest Margin 4.178 4.036
Efficiency Ratio 68.364 69.386
Noninterest Income/Revenue 54.39 17.129
Balance Sheet Ratios
Loan-to-Deposit 104.827 77.925
Securities/Assets .046 .166
Total Equity/Total Assets .099 .106
Tangible Equity/Tangible Assets .081 .103
Capital Adequacy
Tier 1 Common Capital 56,387 35,983
Tier 1 Capital 56,387 36,157
Tier 2 Capital 4,470 2,649
Total Capital 60,857 38,803
Total Risk Weighted Assets 510,667 253,332
Leverage Ratio 10.12 10.564
Common Equity Tier 1 Capital Ratio 11.04 15.215
Tier 1 Capital Ratio 11.04 15.278
Total Capital Ratio 11.92 16.362

Timeline for Volunteer State Bank

Middle Tennessee Insurance Agency, Inc.

Middle Tennessee Insurance Agency, Inc. became a new subsidiary organization for Volunteer State Bank.

View Profile Jun 17 2002

Usa Title Company, Inc.

Usa Title Company, Inc. became a new subsidiary organization for Volunteer State Bank.

View Profile Mar 12 2002

American Finance Company

American Finance Company became a new subsidiary organization for Volunteer State Bank.

View Profile Nov 05 1993

Guaranty Trust Company

Guaranty Trust Company became a new subsidiary organization for Volunteer State Bank.

View Profile Jul 19 1988

Bank Of Orlinda

Acquisition: Volunteer State Bank acquired a new subsidiary, Bank Of Orlinda, 38 years

View Profile Apr 01 1986

Want to see more?

Complete timeline for Volunteer State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of Orlinda Seller 6,145 Discontinued 4/1/1986
Bank Of Hendersonville Seller 20,586 Discontinued 4/29/1983
Relationships Role Relationship Start Relationship End
Volunteer State Bancshares, Inc. Parent 12/31/1983
Volunteer State Bancshares, Inc. Parent 4/18/1980 12/30/1983
Guaranty Trust Company Subsidary 6/30/2007
Middle Tennessee Insurance Agency, Inc. Subsidary 6/30/2007
American Finance Company Subsidary 6/30/2007 12/30/2007
Usa Title Company, Inc. Subsidary 6/30/2007 12/30/2007
Guaranty Trust Company Subsidary 7/19/1988 6/29/2007
American Finance Company Subsidary 11/5/1993 6/29/2007
Usa Title Company, Inc. Subsidary 3/12/2002 6/29/2007
Middle Tennessee Insurance Agency, Inc. Subsidary 6/17/2002 6/29/2007
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