First Northern Bank of Dixon in Dixon, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Northern Bank of Dixon - Overview

  • General
  • FDIC Certificate #: 3440
    Status: Active
    Federal Reserve ID: 783161
    Bank Holding Company (Regulatory Top Holder): First Northern Community Bancorp (RSSDID: 2880626, Location: Dixon, CA)
    Date Established: January 02, 1910
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: No)
    OTS Docket #: 16087
    FDIC's unique #: 2228
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 195 North First Street, Dixon, CA 95620
    County: Solano
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Vallejo-Fairfield-Napa, CA (#8720)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): Vallejo-Fairfield, CA (#46700)
    CBSA Metro Statistical Area: Vallejo-Fairfield, CA (#46700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $781.6 mil
    Equity capital: $82.8 mil
    Deposits held in domestic offices: $684.6 mil
    Return on assets (ROA): 0.43% ($3.4 mil)
    Quarterly return on assets: 0.34% ($2.7 mil)
    Return on Equity (ROE): 3.98% ($3.3 mil)
    Quarterly return on equity: 3.19% ($2.6 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.52% ($4,064.5 mil)
    Quarterly Pretax return on assets: 0.42% ($3,282.9 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, 2011)

  • Dollar figures in thousands
  • 207Total employees (full-time equivalent)
  • $781,640Total assets
  • $140,172Cash and due from depository institutions
  • $124,035Interest-bearing balances
  • $160,241Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $435,621Net loans & leases
  • $10,408Loan loss allowance
  • $0Trading account assets
  • $8,054Bank premises and fixed assets
  • $1,325Other real estate owned
  • $1,290Goodwill and other intangibles
  • $781,640Life insurance assets
  • $34,937All other assets
  • $698,796Total liabilities and capital
  • $684,646Total liabilities
  • $477,093Total deposits
  • $684,646Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $7,150Subordinated debt
  • $82,844All other liabilities
  • $82,844Total equity capital
  • $82,844Total bank equity capital
  • $0Perpetual preferred stock
  • $23,506Common stock
  • $16,977Surplus
  • $42,361Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,832Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,705Income earned, not collected on loans
  • $45Earning assets
  • $2,710Long-term assets (5+ years)
  • $719,897Average Assets, year-to-date
  • $275,673Average Assets, quarterly
  • $756,226Volatile liabilities
  • $774,146Insider loans
  • $468,304FHLB advances
  • $774,488Loans and leases held for sale
  • $13,077Unused loan commitments
  • $13,077Tier 1 (core) risk-based capital
  • $75,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $146,778Restructured Loans and leases
  • $4,122Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,790Total interest income
  • $2,476Total interest expense
  • $26,314Net interest income
  • $5,138Provision for loan and lease losses
  • $8,452Total noninterest income
  • $381Fiduciary activities
  • $2,815Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,256Additional noninterest income
  • $26,661Total noninterest expense
  • $14,896Salaries and employee benefits
  • $3,031Premises and equipment expense
  • $8,734Additional noninterest expense
  • $2,967Pre-tax net operating income
  • $930Securities gains (losses)
  • $681Applicable income taxes
  • $3,216Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,216Net income attributable to bank
  • $0Net charge-offs
  • $3,216Cash dividends
  • $5,769Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 3.79%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 3.98%Return on equity (ROE)
  • 3.98%Retained earnings to average equity (YTD only)
  • 1.30%Net charge-offs to loans
  • 89.06%Credit loss provision to net charge-offs
  • 1.40%Efficiency ratio
  • 76,687Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 119.56%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 1.95%Net loans and leases to deposits
  • 63.63%Net loans and leases to core deposits
  • 67.42%Equity capital to assets
  • 10.60%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 16.22%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $756,226Average earning assets
  • $80,863Average equity
  • $694,116Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $81,433Managed Assets
  • 1Number of Accounts
  • $81,433Personal trust and agency accounts
  • $11,090Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $536Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $69,807Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 58Number of Accounts
  • $0Personal trust and agency accounts
  • $536Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 19 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02228First Northern Bank Of Dixon195 North First Street, Dixon, CA 95620January 02, 1910Full Service Brick and Mortar
    1196432Winters Branch48 West Main Street, Winters, CA 95694August 03, 1970Full Service Brick and Mortar
    2196433Davis Branch434 Second Street, Davis, CA 95616July 30, 1976Full Service Brick and Mortar
    4196435West Sacramento Branch1300 Harbor Boulevard, West Sacramento, CA 95691May 20, 1983Full Service Brick and Mortar
    5196436Vacaville Branch605 Elmira Road, Vacaville, CA 95687August 05, 1985Full Service Brick and Mortar
    7196438Dixon Extension Branch210 Stratford Avenue, Dixon, CA 95620October 09, 1993Limited Service Administrative
    8196439Oliver Road Branch1455 Oliver Road, Fairfield, CA 94533July 25, 1994Full Service Brick and Mortar
    9196440Woodland Branch11 West Court Street, Woodland, CA 95695June 23, 1997Full Service Brick and Mortar
    10196441Courier Service Branch210 Stratford Avenue, Dixon, CA 95620September 01, 1998Limited Service Messenger
    11358855Mason Street Branch555 Mason Street, Vacaville, CA 95688July 06, 2000Full Service Brick and Mortar
    13362621University Retirement Community Bran1515 Shasta Drive, Davis, CA 95616November 05, 2001Limited Service Mobile
    15363230Roseville Real Estate Office2150 Douglas Blvd 260-C, Roseville, CA 95661December 10, 2001Limited Service Loan Production
    17364405Sacramento Office Branch700 J Street, Sacramento, CA 95814January 13, 2002Full Service Brick and Mortar
    19443280Roseville Branch2150 Douglas Blvd., Suite 260, Roseville, CA 95661January 06, 2005Full Service Brick and Mortar
    20452394Davis Real Estate Office Branch508 Second Street, Suite 104, Davis, CA 95616January 30, 1998Limited Service Loan Production
    22452396Asset Management & Trust Office Bran1007 7th Street, Suite M100, Sacramento, CA 95814June 30, 2006Limited Service Trust
    24452398Sba Loan Office Branch2150 Douglas Blvd, Suite 260-C, Roseville, CA 95661June 30, 2006Limited Service Loan Production
    26466047Folsom Real Estate Branch2360 E. Bidwell, Suite 100, Folsom, CA 95630October 16, 2006Full Service Brick and Mortar
    27478935Auburn Branch390 Elm Ave, Auburn, CA 95603June 09, 2008Full Service Brick and Mortar

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