First Northern Bank of Dixon in Dixon, California (CA)

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First Northern Bank of Dixon routing number info

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First Northern Bank of Dixon
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)207
Total assets$781,640
Cash and due from depository institutions$140,172
Interest-bearing balances$124,035
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$435,621
Loan loss allowance $10,408
Trading account assets$0
Bank premises and fixed assets$8,054
Other real estate owned$1,325
Goodwill and other intangibles$1,290
All other assets$34,937
Life insurance assets$781,640
Total liabilities and capital$698,796
Total liabilities$684,646
Total deposits$477,093
Interest-bearing deposits$684,646
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,000
Other borrowed funds $0
Subordinated debt $7,150
All other liabilities $82,844
Total equity capital$82,844
Total bank equity capital$82,844
Perpetual preferred stock$0
Common stock$23,506
Undivided profits $42,361
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,832
Income earned, not collected on loans $8,705
Earning assets $45
Long-term assets (5+ years) $2,710
Average Assets, year-to-date $719,897
Average Assets, quarterly $275,673
Volatile liabilities $756,226
Insider loans $774,146
FHLB advances $468,304
Loans and leases held for sale $774,488
Unused loan commitments $13,077
Tier 1 (core) risk-based capital $13,077
Tier 2 risk-based capital $75,952
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $146,778
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $28,790
Total interest expense $2,476
Net interest income $26,314
Provision for loan and lease losses $5,138
Total noninterest income $8,452
Fiduciary activities $381
Service charges on deposit accounts $2,815
Trading account gains & fees $0
Additional noninterest income $5,256
Total noninterest expense $26,661
Salaries and employee benefits $14,896
Premises and equipment expense $3,031
Additional noninterest expense $8,734
Pre-tax net operating income $2,967
Securities gains (losses) $930
Applicable income taxes $681
Income before extraordinary items $3,216
Extraordinary gains - net $0
Net income attributable to bank $3,216
Net charge-offs $0
Cash dividends $3,216
Sale, conversion, retirement of capital stock, net $5,769
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.15%
Cost of funding earning assets 0.36%
Net interest margin 3.79%
Noninterest income to earning assets 1.22%
Noninterest expense to earning assets 3.84%
Net operating income to assets 0.32%
Return on assets (ROA) 0.43%
Pretax return on assets 0.52%
Return on equity (ROE) 3.98%
Retained earnings to average equity (YTD only) 3.98%
Net charge-offs to loans 1.30%
Credit loss provision to net charge-offs 89.06%
Efficiency ratio1.40%
Assets per employee$76,687
Cash dividends to net income (YTD only)3.78%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.33%
Noncurrent assets plus other real estate owned to assets 119.56%
Noncurrent loans to loans 1.28%
Net loans and leases to deposits1.95%
Net loans and leases to core deposits 63.63%
Equity capital to assets 67.42%
Core capital (leverage) ratio 10.60%
Tier 1 risk-based capital ratio 9.81%
Total risk-based capital ratio 16.22%
Average assets$17
Average earning assets$756,226
Average equity $80,863
Average loans $694,116
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$81,433
Number of Accounts1
Personal trust and agency accounts$81,433
Employee benefit-defined contribution accounts$11,090
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$536
Investment management agency accounts$0
Other fiduciary accounts$69,807
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts58
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$536
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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