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First Consumers National Bank

Beaverton, OR · Cert 27410

FDIC

Q3 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Consumers National Bank

Beaverton, OR · Cert 27410

FDIC

Q3 2005

$17.4MAssets
n/aLoans
$1.2MDeposits
$4.7MEquity
Deposit mix
8%Interest-bearing $0.1M92%Noninterest $1.1MQ3 2004Q3 2005

NIM

-9.36%Q3 ’030.93%Q3 ’041.65%Q3 ’05+110%+76%

Non-interest income vs. expense

171.74%Q3 ’030.66%Q3 ’0413.90%Q3 ’05-99%+2431%

Executive Summary

  • Earnings: ROA of -9.42%, down 980 bps year over year; NIM at 1.64%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-9.42%-980 bps YoY

Net Interest Margin (YTD, annualized)

1.64%+71 bps YoY

Efficiency Ratio (YTD, annualized)

759%+69,661 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.38%4.75%0.06%0.17%-9.42%-980 bps
Return on Equity1.47%16.91%0.16%0.35%-19.84%-2,131 bps
Net Interest Margin0.93%1.02%1.20%1.35%1.64%+71 bps
Efficiency Ratio62.86%-337%95.18%88.33%759%+69,661 bps
Non-Interest Burden0.54%-3.86%1.14%1.17%13.71%+1,317 bps
Growth
Asset Growth (YoY)-5.34%-22.23%-25.80%-25.42%-73.43%-6,809 bps
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)37.24%54.75%54.62%53.06%-1.42%-3,867 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital125.72%180.05%191.50%336%108.67%-1,705 bps
Equity / Assets26.62%38.34%41.01%71.06%26.97%+35 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a