Community Focus Pays Off as First Northern Bank Earns Highest 5-Star Rating

BAUERFINANCIAL, Inc., Coral Gables, Florida, the nation's leading bank rating and research firm, proudly recognizes First Northern Bank (OTCQB:FNRN), Dixon, California as a Superior 5-Star rated bank. A 5-Star rating denotes that First Northern Bank is one of the best in the nation in terms of its overall financial performance.

"The recent uproar against Big Banks has shed a whole new light on community banks, and for good reason," observes Karen L. Dorway, president of BAUERFINANCIAL. "While the primary focus of the big banks is dividend payments, smaller banks tend to be locals and therefore more in tune with the communities they serve. This community focus has paid off as First Northern Bank has earned Bauer's highest 5-Star rating for strength and stability.

Established in 1910, First Northern Bank has proudly served its local communities for 101 years. It currently operates through 11 full-service offices conveniently located throughout the area as well as several loan offices. It can also be found on the internet at www.thatsmybank.com.

First Northern Bank: "That's My Bank!"

BAUERFINANCIAL, Coral Gables, Florida, the nation's leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain star-ratings by visiting www.bauerfinancial.com.

BAUERFINANCIAL_, Inc.
TEL: [phone]
FAX: [phone]
www.bauerfinancial.com
[e-mail]
or
First Northern Bank
Kimberly DeBra, 707-678-7869
Executive Vice President, Corporate Communications
Sales and Marketing