First Consumers National Bank in Lake Oswego, Oregon (OR)



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Table of contents:
First Consumers National Bank
GeneralFDIC Certificate #: 27410
Status: Inactive
Federal Reserve ID: 1228249
Date Established: December 12, 1988
WWW: http://www.fcnb.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 39879
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: December 12, 1988
Last Structure Change Effective Date: November 29, 2005
Last Structure Change Process Date: March 09, 2006
Last Data Update: March 09, 2006
Data Source Date: April 05, 2012
LocationAddress: 4800 S. W. Meadows Road, Suite 300, Lake Oswego, OR 97035
County: Clackamas
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Portland
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Portland-Vancouver, OR-WA (#6440)
Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79)
Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900)
CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900)
History of ChangesOther Liquidations and Closings
Change in Insurance Status
Financial SummaryTotal assets: $17.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)
(Dollar figures in thousands)
Total employees (full-time equivalent)10
Total assets$53,046
Cash and due from depository institutions$34,120
Interest-bearing balances$0
Securities$18,119
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$0
Loan loss allowance $0
Trading account assets$0
Bank premises and fixed assets$0
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$807
Life insurance assets$0
Total liabilities and capital$53,046
Total liabilities$32,706
Total deposits$1,190
Interest-bearing deposits$100
Deposits held in domestic offices$1,190
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $15,333
Subordinated debt $0
All other liabilities $16,183
Total equity capital$20,340
Total bank equity capital$20,340
Perpetual preferred stock$20,340
Common stock$0
Surplus$1,234
Undivided profits $89,741
Memoranda
Noncurrent loans and leases $-70,635
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $0
Average Assets, year-to-date $0
Average Assets, quarterly $18,119
Volatile liabilities $2,774
Insider loans $64,022
FHLB advances $59,351
Loans and leases held for sale $15,433
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 2004)
(Dollar figures in thousands)
Total interest income $637
Total interest expense $1
Net interest income $636
Provision for loan and lease losses $0
Total noninterest income $60
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $60
Total noninterest expense -$2,347
Salaries and employee benefits $525
Premises and equipment expense $210
Additional noninterest expense -$3,082
Pre-tax net operating income $3,043
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $3,043
Extraordinary gains - net $0
Net income attributable to bank $3,043
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 2004)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.48%
Cost of funding earning assets 0.01%
Net interest margin 3.47%
Noninterest income to earning assets 0.33%
Noninterest expense to earning assets -12.81%
Net operating income to assets 4.75%
Return on assets (ROA) 4.75%
Pretax return on assets 4.75%
Return on equity (ROE) 16.91%
Retained earnings to average equity (YTD only) 16.91%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee-$337,213
Cash dividends to net income (YTD only)5.30%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.00%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 0.00%
Equity capital to assets 0.00%
Core capital (leverage) ratio 38.34%
Tier 1 risk-based capital ratio 32.32%
Total risk-based capital ratio 180.05%
Memoranda
Average assets$180
Average earning assets$64,022
Average equity $17,990
Average loans $18,327
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Bank Assets Sold and Securitized (December 31, 2002)
(Dollar figures in thousands)
Principal balance with servicing or other recourse retained
1-4 family residential loans $0
Home equity lines$0
Credit cards receivables$928,743
Auto loans$0
Other consumer loans$0
Commercial and industrial loans$0
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