Institution Statistics
| First Northern Bank of Dixon | | FDIC Certificate # | 3440 | | BankRate Report | View | | Year Established | 1910 | | Employees | 205 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $793.51 million | | Loans | $419.48 million | | Deposits | $695.58 million | | Equity Capital | $84.05 million | | Loan Loss Allowance | $10.36 million | | Unbacked Noncurrent Loans | $9.10 million | | Real Estate Owned | $1.62 million |
Historic Data - March 2011 | | Assets | $748.63 million | | Equity Capital | $79.39 million | | Loan Loss Allowance | $11.71 million | | Unbacked Noncurrent Loans | $12.15 million | | Real Estate Owned | $2.66 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.52% | | Return on Assets | 0.56% | | Return on Equity | 5.33% | | Interest Income | $6.96 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Northern Bank of Dixon had $10.72 million in non-current loans and owned real-estate with $94.4 million in equity and loan loss allowances on hand to cover it. This gives First Northern Bank of Dixon a Texas Ratio of 11.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for First Northern Bank of Dixon decreased slightly from 16.21% as of March 31, 2011 to 11.35% as of March 31, 2012, resulting in a positive change of 29.95%.This indicates that the balance sheet and financial strength for First Northern Bank of Dixon has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, First Northern Bank of Dixon has increased its total deposits by $43.56 million, resulting in 6.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Northern Bank of Dixon has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Northern Bank of Dixon has $793.51 million in assets with $94.4 million in equity, resulting in a capitalization level of 11.90%, which is above average. |
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Average User Rating:
That's My Bank
I opened a checking account with first northern bank in Vacaville Ca when I was 17 just about to join the army and needed a direct deposit account. I am very satisfied with the costumer service I have had from them they are a great local bank I have been with them for 5 years now. The only problem I have with them is when I need to change my address which I have to do like every year because of the army, but other than the complicated address change process I got to say I love my bank.