First Consumers National Bank in Lake Oswego, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 29, 2005

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

  • General
  • FDIC Certificate #: 27410
    Status: Inactive
    Federal Reserve ID: 1228249
    Date Established: December 12, 1988
    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
  • Location
  • Address: 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 Changes
  • Other Liquidations and Closings
    Change in Insurance Status
  • Financial Summary
  • Total 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
  • 10Total employees (full-time equivalent)
  • $53,046Total assets
  • $34,120Cash and due from depository institutions
  • $0Interest-bearing balances
  • $18,119Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $807All other assets
  • $53,046Total liabilities and capital
  • $32,706Total liabilities
  • $1,190Total deposits
  • $100Interest-bearing deposits
  • $1,190Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $15,333Other borrowed funds
  • $0Subordinated debt
  • $16,183All other liabilities
  • $20,340Total equity capital
  • $20,340Total bank equity capital
  • $20,340Perpetual preferred stock
  • $0Common stock
  • $1,234Surplus
  • $89,741Undivided profits
  • Memoranda
  • $-70,635Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $18,119Average Assets, quarterly
  • $2,774Volatile liabilities
  • $64,022Insider loans
  • $59,351FHLB advances
  • $15,433Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $637Total interest income
  • $1Total interest expense
  • $636Net interest income
  • $0Provision for loan and lease losses
  • $60Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $60Additional noninterest income
  • -$2,347Total noninterest expense
  • $525Salaries and employee benefits
  • $210Premises and equipment expense
  • -$3,082Additional noninterest expense
  • $3,043Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,043Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,043Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.48%Yield on earning assets
  • 0.01%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.33%Noninterest income to earning assets
  • -12.81%Noninterest expense to earning assets
  • 4.75%Net operating income to assets
  • 4.75%Return on assets (ROA)
  • 4.75%Pretax return on assets
  • 16.91%Return on equity (ROE)
  • 16.91%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • -337,213Assets per employee
  • 5.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%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 deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 38.34%Core capital (leverage) ratio
  • 32.32%Tier 1 risk-based capital ratio
  • 180.05%Total risk-based capital ratio
  • Memoranda
  • $180Average assets
  • $64,022Average earning assets
  • $17,990Average equity
  • $18,327Average loans

Bank Assets Sold and Securitized (December 31, 2002)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $928,743Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

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