FDIC 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
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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