Vitals
  • Total Assets
    879.7M -9.6 %
  • Total Deposits
    44.5M -62.6 %
  • Total Net Loans
    386000.0000 -91.5 %
  • Net Income
    82.7M 49.1 %
  • Book Value
    481.2M 2.4 %
  • Book Value x2
    962.3M 2.4 %
  • Book Value x3
    1.4B 2.4 %
ROAA

8.157

ROAE

17.206

Efficiency Ratio

90.092

Net Interest Margin

2.485

Balance Sheet Highlights
Financial Highlights Concord Efs National Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 879,697 167,304
Total Net Loans 386 107,366
Total Deposits 44,499 137,222
Total Equity 481,166 16,536
Profitability
Net Income 82,669 10,717
Return on Average Assets 8.157 1.128
Return on Average Equity 17.206 10.962
Net Interest Margin 2.485 4.264
Efficiency Ratio 90.092 67.065
Noninterest Income/Revenue 98.022 15.279
Balance Sheet Ratios
Loan-to-Deposit .867 74.885
Securities/Assets .532 .829
Total Equity/Total Assets .547 .099
Tangible Equity/Tangible Assets .478 -.723
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 420,451 15,728
Tier 2 Capital — 1,371
Total Capital 420,451 17,112
Total Risk Weighted Assets 274,888 115,456
Leverage Ratio 46.79 9.934
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 152.95 15.168
Total Capital Ratio 152.95 16.37

Timeline for Concord Efs National Bank

First Financial Bank

Concord Efs National Bank was acquired by First Financial Bank 20 years

View Profile Feb 27 2004

Concord Merchant Services, Inc

Concord Merchant Services, Inc became a new subsidiary organization for Concord Efs National Bank.

View Profile Jun 06 2003

Efs Federal Savings Bank

Acquisition: Concord Efs National Bank acquired a new subsidiary, Efs Federal Savings Bank, 21 years

View Profile Aug 27 2002

H&F Services Inc

H&F Services Inc became a new subsidiary organization for Concord Efs National Bank.

View Profile Jan 01 2002

Concord Emerging Technologies, Inc.

Concord Emerging Technologies, Inc. became a new subsidiary organization for Concord Efs National Bank.

View Profile Feb 07 2000

Want to see more?

Complete timeline for Concord Efs National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Financial Bank Buyer 152,472 Acquisition Discontinued 2/27/2004
Efs Federal Savings Bank Seller 412,222 Pooling of Interests Discontinued 8/27/2002
Relationships Role Relationship Start Relationship End
Concord Efs, Inc. Parent 12/1/1992 2/26/2004
H&F Services Inc Subsidary 1/1/2002 2/26/2004
Concord Merchant Services, Inc Subsidary 6/6/2003 2/26/2004
Concord Emerging Technologies, Inc. Subsidary 2/7/2000 12/30/2001
Similar Organizations
Organization City State Total Assets
Security National Bank Of Omaha
 		Omaha NE 877.8M
The Vinton County National Bank
 		Mc Arthur OH 891.4M
First National Bank
 		Fort Pierre SD 886.8M
Central National Bank
 		Junction City KS 910.2M
The Old Point National Bank Of Phoebus
 		Hampton VA 900.2M
California First National Bank
 		Irvine CA 840.8M
Hilltop National Bank
 		Casper WY 838.8M
Citizens National Bank
 		Sevierville TN 927.6M
Montgomery Bank, National Association
 		Sikeston MO 896.0M
First Bankers Trust Company, National Association
 		Quincy IL 942.6M