First Financial Bank, National Association in Eastland, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 14861
    Status: Active
    Federal Reserve ID: 591852
    Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
    Date Established: November 04, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9301
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 10, 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: 201 East Main, Eastland, TX 76448
    County: Eastland
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $189.3 mil
    Equity capital: $20.2 mil
    Deposits held in domestic offices: $164.6 mil
    Return on assets (ROA): 1.65% ($3.1 mil)
    Quarterly return on assets: 1.57% ($3.0 mil)
    Return on Equity (ROE): 15.74% ($3.1 mil)
    Quarterly return on equity: 14.14% ($2.8 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.20% ($4,165.0 mil)
    Quarterly Pretax return on assets: 2.06% ($3,899.9 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
  • 39Total employees (full-time equivalent)
  • $189,317Total assets
  • $24,053Cash and due from depository institutions
  • $20,459Interest-bearing balances
  • $88,172Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $67,549Net loans & leases
  • $1,238Loan loss allowance
  • $0Trading account assets
  • $2,589Bank premises and fixed assets
  • $0Other real estate owned
  • $5,097Goodwill and other intangibles
  • $189,317Life insurance assets
  • $1,857All other assets
  • $169,113Total liabilities and capital
  • $164,643Total liabilities
  • $107,016Total deposits
  • $164,643Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 1868.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,602Subordinated debt
  • $20,204All other liabilities
  • $20,204Total equity capital
  • $20,204Total bank equity capital
  • $0Perpetual preferred stock
  • $1,750Common stock
  • $8,806Surplus
  • $9,648Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $386Income earned, not collected on loans
  • $0Earning assets
  • $1,128Long-term assets (5+ years)
  • $176,180Average Assets, year-to-date
  • $62,553Average Assets, quarterly
  • $180,090Volatile liabilities
  • $180,206Insider loans
  • $81,982FHLB advances
  • $182,091Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,145Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,003Restructured Loans and leases
  • $1,921Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,152Total interest income
  • $354Total interest expense
  • $6,798Net interest income
  • $210Provision for loan and lease losses
  • $1,657Total noninterest income
  • $0Fiduciary activities
  • $891Service charges on deposit accounts
  • $0Trading account gains & fees
  • $766Additional noninterest income
  • $4,296Total noninterest expense
  • $1,860Salaries and employee benefits
  • $514Premises and equipment expense
  • $1,922Additional noninterest expense
  • $3,949Pre-tax net operating income
  • $14Securities gains (losses)
  • $1,000Applicable income taxes
  • $2,963Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,963Net income attributable to bank
  • $0Net charge-offs
  • $2,963Cash dividends
  • $155Sale, conversion, retirement of capital stock, net
  • $1,250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.21%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 15.74%Return on equity (ROE)
  • 9.10%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 135.48%Credit loss provision to net charge-offs
  • 26.83%Efficiency ratio
  • 50,302Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.19%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 320.73%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 41.03%Net loans and leases to core deposits
  • 42.50%Equity capital to assets
  • 10.67%Core capital (leverage) ratio
  • 7.22%Tier 1 risk-based capital ratio
  • 16.03%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $180,090Average earning assets
  • $18,825Average equity
  • $167,532Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09301First Financial Bank, National Association201 East Main, Eastland, TX 76448November 04, 1934Full Service Brick and Mortar
    16874Rising Star BranchWest College And Anderson Streets, Rising Star, TX 76471January 01, 1909Full Service Brick and Mortar
    29867Ranger Branch106 Main Street, Ranger, TX 76470Febuary 15, 1928Full Service Brick and Mortar
    3525937Cisco Branch2107 Conrad Hilton Blvd, Cisco, TX 76437August 25, 2011Full Service Brick and Mortar

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