Concord Efs National Bank
Memphis, TN — National Bank
Acquired Feb 2004
Net Interest Margin Over Time
| Net Interest Margin | Concord Efs National Bank | All Insured Commercial Banks in Tennessee |
| 12-31-2003 | 2.485 | 4.264 |
| 09-30-2003 | 2.806 | 4.259 |
| 06-30-2003 | 3.039 | 4.251 |
| 03-31-2003 | 2.955 | 4.263 |
| 12-31-2002 | 3.489 | 4.47 |