Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Concord Efs National Bank All Insured Commercial Banks in Tennessee
12-31-2003 152.95 15.168
09-30-2003 146.95 15.122
06-30-2003 124.61 15.092
03-31-2003 119.8 15.005
12-31-2002 125.99 15.182