First Northern Bank of Dixon in city_name, state_name - Detailed Financial Reports, Location

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 - 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
WWW: http://www.thatsmybank.com
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

No	ID	Name	Address	Established	Service Type
0	2228	First Northern Bank Of Dixon	195 North First Street, Dixon, CA 95620	January 02, 1910	Full Service Brick and Mortar
1	196432	Winters Branch	48 West Main Street, Winters, CA 95694	August 03, 1970	Full Service Brick and Mortar
2	196433	Davis Branch	434 Second Street, Davis, CA 95616	July 30, 1976	Full Service Brick and Mortar
4	196435	West Sacramento Branch	1300 Harbor Boulevard, West Sacramento, CA 95691	May 20, 1983	Full Service Brick and Mortar
5	196436	Vacaville Branch	605 Elmira Road, Vacaville, CA 95687	August 05, 1985	Full Service Brick and Mortar
7	196438	Dixon Extension Branch	210 Stratford Avenue, Dixon, CA 95620	October 09, 1993	Limited Service Administrative
8	196439	Oliver Road Branch	1455 Oliver Road, Fairfield, CA 94533	July 25, 1994	Full Service Brick and Mortar
9	196440	Woodland Branch	11 West Court Street, Woodland, CA 95695	June 23, 1997	Full Service Brick and Mortar
10	196441	Courier Service Branch	210 Stratford Avenue, Dixon, CA 95620	September 01, 1998	Limited Service Messenger
11	358855	Mason Street Branch	555 Mason Street, Vacaville, CA 95688	July 06, 2000	Full Service Brick and Mortar
13	362621	University Retirement Community Bran	1515 Shasta Drive, Davis, CA 95616	November 05, 2001	Limited Service Mobile
15	363230	Roseville Real Estate Office	2150 Douglas Blvd 260-C, Roseville, CA 95661	December 10, 2001	Limited Service Loan Production
17	364405	Sacramento Office Branch	700 J Street, Sacramento, CA 95814	January 13, 2002	Full Service Brick and Mortar
19	443280	Roseville Branch	2150 Douglas Blvd., Suite 260, Roseville, CA 95661	January 06, 2005	Full Service Brick and Mortar
20	452394	Davis Real Estate Office Branch	508 Second Street, Suite 104, Davis, CA 95616	January 30, 1998	Limited Service Loan Production
22	452396	Asset Management & Trust Office Bran	1007 7th Street, Suite M100, Sacramento, CA 95814	June 30, 2006	Limited Service Trust
24	452398	Sba Loan Office Branch	2150 Douglas Blvd, Suite 260-C, Roseville, CA 95661	June 30, 2006	Limited Service Loan Production
26	466047	Folsom Real Estate Branch	2360 E. Bidwell, Suite 100, Folsom, CA 95630	October 16, 2006	Full Service Brick and Mortar
27	478935	Auburn Branch	390 Elm Ave, Auburn, CA 95603	June 09, 2008	Full Service Brick and Mortar

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

First Northern Bank of Dixon - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First Northern Bank of Dixon - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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