Louise Walker - First Northern CEO

FNRN Stock  USD 10.00  0.01  0.10%   

CEO

Ms. Louise A. Walker is President, Chief Executive Officer, Director of First Northern Community Bancorp. Ms. Walker has served as President and Chief Executive Officer of First Northern Community Bancorp and its wholly owned subsidiary, First Northern Bank, since January 1, 2011. Ms. Walker joined First Northern Bank in 1979, and was a member of Senior Management since 1989. During her career she has held a variety of positions which included head of Operations and Data Processing and the oversight of Human Resources, Risk Management, Compliance, Accounting and Finance. Most recently, Ms. Walker held the position of Senior Executive Vice PresidentChief Financial Officer. She has a Bachelor of Arts degree in Management from Saint Marys College of California. Ms. Walker is Treasurer and a member of the California Bankers Association Board of Directors, served on the board of the Sacramento Area Commerce and Trade Organization and Solano Economic Development Corporationrationration, a member of Dixon Rotary, a member of the State Controllers Financial Literacy Advisory Committee, and is a past president of Soroptimist International of Dixon. Ms. Walker is also a member of Lambda Alpha International, Sacramento Chapter. since 2011.
Age 62
Tenure 13 years
Phone707 678 3041
Webhttps://www.thatsmybank.com

First Northern Management Efficiency

First Northern's management efficiency ratios could be used to measure how well First Northern manages its routine affairs as well as how well it operates its assets and liabilities.
First Northern Community currently holds 5.84 M in liabilities with Debt to Equity (D/E) ratio of 11.17, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist First Northern until it has trouble settling it off, either with new capital or with free cash flow. So, First Northern's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First Northern Community sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First Northern's use of debt, we should always consider it together with cash and equity.

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First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small to medium sized businesses. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California. First Northern operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 190 people. First Northern Community [FNRN] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

First Northern Community Leadership Team

Elected by the shareholders, the First Northern's board of directors comprises two types of representatives: First Northern inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First Northern's management team and ensure that shareholders' interests are well served. First Northern's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First Northern's outside directors are responsible for providing unbiased perspectives on the board's policies.
Jeremiah Smith, CFO, COO, Executive VP, CFO of First Northern Bank, COO of First Northern Bank and Sr. Executive VP of First Northern Bank
Terry Danelson, Ex Officer
Louise Walker, CEO and President Director, CEO of First Northern Bank and President of First Northern Bank and Director of First Northern Bank
Libby Feyh, VP Director
Cathleen Gorham, VP Administrator
Jeffrey Adamski, Exec Officer
Devon CamaraSoucy, IR Contact
Denise Burris, Ex Officer
Kevin CPA, Ex CFO
Kimberly DeBra, Ex Officer

First Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right otc stock is not an easy task. Is First Northern a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Pair Trading with First Northern

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if First Northern position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in First Northern will appreciate offsetting losses from the drop in the long position's value.

Moving against First OTC Stock

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The ability to find closely correlated positions to First Northern could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace First Northern when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back First Northern - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling First Northern Community to buy it.
The correlation of First Northern is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as First Northern moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if First Northern Community moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for First Northern can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Other Information on Investing in First OTC Stock

First Northern financial ratios help investors to determine whether First OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in First with respect to the benefits of owning First Northern security.