Call reports 2003
CONCORD EFS NATIONAL BANK — 2003
What CONCORD EFS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,154,421,000 | 1,159,771,000 | 864,211,000 | 879,697,000 |
| Total loans | 2,496,000 | 658,000 | 515,000 | 386,000 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 583,135,000 | 437,610,000 | 378,362,000 | 468,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,295,000 | 125,083,000 | 86,988,000 | 44,499,000 |
| Interest-bearing deposits | 29,766,000 | 29,839,000 | 29,914,000 | 29,989,000 |
| Noninterest-bearing deposits | 98,529,000 | 95,244,000 | 57,074,000 | 14,510,000 |
| Equity capital | 489,032,000 | 492,398,000 | 469,948,000 | 481,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,894,000 | 13,273,000 | 18,265,000 | 22,677,000 |
| Interest expense | 2,394,000 | 4,474,000 | 6,434,000 | 8,695,000 |
| Net interest income | 4,500,000 | 8,799,000 | 11,831,000 | 13,982,000 |
| Noninterest income | 283,599,000 | 608,981,000 | 940,343,000 | 1,267,617,000 |
| Noninterest expense | 258,083,000 | 552,936,000 | 844,591,000 | 1,157,236,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,016,000 | 64,844,000 | 107,583,000 | 124,363,000 |
| Income tax | 9,995,000 | 21,468,000 | 35,645,000 | 41,694,000 |
| Net income | 20,021,000 | 43,376,000 | 71,938,000 | 82,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 410,006,000 | 416,541,000 | 406,081,000 | 420,451,000 |
| Total capital | 410,006,000 | 416,541,000 | 406,081,000 | 420,451,000 |
| Risk-weighted assets | 342,233,000 | 334,274,000 | 276,348,000 | 274,888,000 |