Home > Concord EFS National Bank > Income and Expense
Concord EFS National Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,677,000 | 1,255 |
| Total interest expense | $8,695,000 | 1,029 |
| Net interest income | $13,982,000 | 1,395 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,267,617,000 | 31 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,684,000 | 638 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,264,933,000 | 24 |
| Total noninterest expense | $1,157,236,000 | 42 |
| Salaries and employee benefits | $18,156,000 | 490 |
| Premises and equipment expense | $34,967,000 | 105 |
| Additional noninterest expense | $1,104,113,000 | 19 |
| Pre-tax net operating income | $124,363,000 | 137 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $41,694,000 | 142 |
| Income before extraordinary items | $82,669,000 | 142 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $82,669,000 | 143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $63,300,000 | 114 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $82,669,000 | 134 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,265,000 | 1,201 |
| Total interest expense | $6,434,000 | 1,088 |
| Net interest income | $11,831,000 | 1,237 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $940,343,000 | 31 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,890,000 | 688 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $938,453,000 | 24 |
| Total noninterest expense | $844,591,000 | 42 |
| Salaries and employee benefits | $14,207,000 | 483 |
| Premises and equipment expense | $25,649,000 | 107 |
| Additional noninterest expense | $804,735,000 | 20 |
| Pre-tax net operating income | $107,583,000 | 123 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $35,645,000 | 135 |
| Income before extraordinary items | $71,938,000 | 134 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $71,938,000 | 134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $63,300,000 | 87 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $71,938,000 | 123 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,273,000 | 1,098 |
| Total interest expense | $4,474,000 | 1,071 |
| Net interest income | $8,799,000 | 1,109 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $608,981,000 | 31 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,219,000 | 701 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $607,762,000 | 24 |
| Total noninterest expense | $552,936,000 | 44 |
| Salaries and employee benefits | $9,189,000 | 494 |
| Premises and equipment expense | $16,749,000 | 110 |
| Additional noninterest expense | $526,998,000 | 18 |
| Pre-tax net operating income | $64,844,000 | 134 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $21,468,000 | 148 |
| Income before extraordinary items | $43,376,000 | 146 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $43,376,000 | 146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $20,000,000 | 129 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $43,376,000 | 136 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,894,000 | 1,068 |
| Total interest expense | $2,394,000 | 1,028 |
| Net interest income | $4,500,000 | 1,089 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $283,599,000 | 33 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $574,000 | 722 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $283,025,000 | 24 |
| Total noninterest expense | $258,083,000 | 42 |
| Salaries and employee benefits | $4,595,000 | 495 |
| Premises and equipment expense | $7,420,000 | 119 |
| Additional noninterest expense | $246,068,000 | 17 |
| Pre-tax net operating income | $30,016,000 | 141 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $9,995,000 | 157 |
| Income before extraordinary items | $20,021,000 | 148 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,021,000 | 148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $20,021,000 | 140 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $35,464,000 | 856 |
| Total interest expense | $12,247,000 | 915 |
| Net interest income | $23,217,000 | 826 |
| Provision for loan and lease losses | $-1,560,000 | 9,348 |
| Total noninterest income | $1,059,350,000 | 34 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,165,000 | 746 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,057,185,000 | 24 |
| Total noninterest expense | $1,002,679,000 | 42 |
| Salaries and employee benefits | $41,025,000 | 221 |
| Premises and equipment expense | $33,064,000 | 109 |
| Additional noninterest expense | $928,590,000 | 19 |
| Pre-tax net operating income | $81,448,000 | 173 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $26,020,000 | 184 |
| Income before extraordinary items | $55,428,000 | 181 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $55,428,000 | 181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $60,000,000 | 123 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $55,428,000 | 173 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,756,000 | 1,829 |
| Total interest expense | $670,000 | 8,681 |
| Net interest income | $18,086,000 | 1,001 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $848,261,000 | 36 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,249,000 | 1,192 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $847,012,000 | 24 |
| Total noninterest expense | $760,225,000 | 53 |
| Salaries and employee benefits | $23,924,000 | 334 |
| Premises and equipment expense | $33,538,000 | 105 |
| Additional noninterest expense | $702,763,000 | 28 |
| Pre-tax net operating income | $106,122,000 | 150 |
| Securities gains (losses) | $306,000 | 888 |
| Applicable income taxes | $35,201,000 | 156 |
| Income before extraordinary items | $71,227,000 | 153 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $71,227,000 | 153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,926 |
| Cash dividends | $53,071,000 | 130 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $71,021,980 | 148 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,013,000 | 2,189 |
| Total interest expense | $1,130,000 | 7,948 |
| Net interest income | $14,883,000 | 1,182 |
| Provision for loan and lease losses | $270,000 | 3,077 |
| Total noninterest income | $685,479,000 | 47 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,651,000 | 827 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $683,828,000 | 31 |
| Total noninterest expense | $572,374,000 | 68 |
| Salaries and employee benefits | $26,455,000 | 286 |
| Premises and equipment expense | $25,411,000 | 125 |
| Additional noninterest expense | $520,508,000 | 42 |
| Pre-tax net operating income | $127,718,000 | 127 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $43,308,000 | 128 |
| Income before extraordinary items | $84,410,000 | 124 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $84,410,000 | 124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $20,000,000 | 239 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $84,410,000 | 129 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,009,000 | 2,702 |
| Total interest expense | $2,243,000 | 5,572 |
| Net interest income | $9,766,000 | 1,782 |
| Provision for loan and lease losses | $1,000,000 | 977 |
| Total noninterest income | $443,017,000 | 61 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,693,000 | 785 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $441,324,000 | 42 |
| Total noninterest expense | $343,886,000 | 91 |
| Salaries and employee benefits | $19,107,000 | 400 |
| Premises and equipment expense | $14,704,000 | 190 |
| Additional noninterest expense | $310,075,000 | 56 |
| Pre-tax net operating income | $107,897,000 | 152 |
| Securities gains (losses) | $188,000 | 558 |
| Applicable income taxes | $38,129,000 | 157 |
| Income before extraordinary items | $69,956,000 | 154 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $69,956,000 | 155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 1,934 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $69,833,800 | 154 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,885,000 | 3,573 |
| Total interest expense | $2,327,000 | 5,624 |
| Net interest income | $6,558,000 | 2,604 |
| Provision for loan and lease losses | $-170,000 | 10,365 |
| Total noninterest income | $325,816,000 | 75 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,530,000 | 806 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $324,286,000 | 48 |
| Total noninterest expense | $243,412,000 | 123 |
| Salaries and employee benefits | $15,797,000 | 461 |
| Premises and equipment expense | $11,059,000 | 226 |
| Additional noninterest expense | $216,556,000 | 75 |
| Pre-tax net operating income | $89,132,000 | 170 |
| Securities gains (losses) | $1,105,000 | 359 |
| Applicable income taxes | $31,285,000 | 167 |
| Income before extraordinary items | $58,952,000 | 177 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $58,952,000 | 178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 1,125 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $58,233,750 | 170 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,646,000 | 4,696 |
| Total interest expense | $753,000 | 9,398 |
| Net interest income | $5,893,000 | 2,962 |
| Provision for loan and lease losses | $730,000 | 1,282 |
| Total noninterest income | $225,528,000 | 82 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,143,000 | 1,096 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $224,385,000 | 57 |
| Total noninterest expense | $165,392,000 | 159 |
| Salaries and employee benefits | $12,387,000 | 554 |
| Premises and equipment expense | $9,587,000 | 249 |
| Additional noninterest expense | $143,418,000 | 97 |
| Pre-tax net operating income | $65,299,000 | 198 |
| Securities gains (losses) | $516,000 | 418 |
| Applicable income taxes | $23,395,000 | 201 |
| Income before extraordinary items | $42,420,000 | 206 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $42,420,000 | 206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,759 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $42,089,760 | 200 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 8,261 |
| Total interest expense | $7,000 | 11,417 |
| Net interest income | $2,802,000 | 5,722 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $151,225,000 | 109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $753,000 | 1,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,472,000 | 79 |
| Total noninterest expense | $111,944,000 | 230 |
| Salaries and employee benefits | $10,819,000 | 651 |
| Premises and equipment expense | $7,886,000 | 328 |
| Additional noninterest expense | $93,239,000 | 157 |
| Pre-tax net operating income | $41,903,000 | 277 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $14,755,000 | 281 |
| Income before extraordinary items | $27,148,000 | 283 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $27,148,000 | 283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,398 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $30,000,000 | 22 |
| Net operating income | $27,148,000 | 274 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,713,000 | 10,157 |
| Total interest expense | $4,000 | 11,943 |
| Net interest income | $1,709,000 | 7,993 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $108,629,000 | 137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,240,000 | 92 |
| Total noninterest expense | $84,457,000 | 280 |
| Salaries and employee benefits | $9,840,000 | 712 |
| Premises and equipment expense | $7,131,000 | 378 |
| Additional noninterest expense | $67,486,000 | 193 |
| Pre-tax net operating income | $25,701,000 | 398 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $9,105,000 | 394 |
| Income before extraordinary items | $16,596,000 | 407 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $16,596,000 | 405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $16,596,000 | 404 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,012,000 | 11,685 |
| Total interest expense | $1,000 | 12,586 |
| Net interest income | $1,011,000 | 10,354 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $80,638,000 | 168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,524,000 | 106 |
| Total noninterest expense | $64,908,000 | 333 |
| Salaries and employee benefits | $8,307,000 | 827 |
| Premises and equipment expense | $7,475,000 | 363 |
| Additional noninterest expense | $49,126,000 | 240 |
| Pre-tax net operating income | $16,561,000 | 528 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $5,772,000 | 517 |
| Income before extraordinary items | $10,789,000 | 523 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $10,789,000 | 522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 11,382 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $10,789,000 | 532 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $284,000 | 13,188 |
| Total interest expense | $0 | 13,264 |
| Net interest income | $284,000 | 13,034 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $59,686,000 | 186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,686,000 | 118 |
| Total noninterest expense | $48,181,000 | 414 |
| Salaries and employee benefits | $6,758,000 | 1,011 |
| Premises and equipment expense | $5,384,000 | 470 |
| Additional noninterest expense | $36,039,000 | 305 |
| Pre-tax net operating income | $11,609,000 | 629 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $3,984,000 | 653 |
| Income before extraordinary items | $7,623,000 | 692 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,623,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 2,327 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,624,320 | 640 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,000 | 13,922 |
| Total interest expense | $0 | 13,899 |
| Net interest income | $24,000 | 13,892 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $5,693,000 | 895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,693,000 | 625 |
| Total noninterest expense | $3,960,000 | 3,535 |
| Salaries and employee benefits | $520,000 | 9,582 |
| Premises and equipment expense | $279,000 | 6,297 |
| Additional noninterest expense | $3,161,000 | 1,919 |
| Pre-tax net operating income | $1,757,000 | 3,510 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $598,000 | 3,446 |
| Income before extraordinary items | $1,159,000 | 3,920 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,159,000 | 3,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,159,000 | 3,635 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.