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

First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 16653
    Status: Active
    Federal Reserve ID: 535463
    Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
    Date Established: January 03, 1948
    Trust Powers Granted: Yes
    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 #: 10787
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 03, 1948
    Last Structure Change Effective Date: Febuary 04, 2008
    Last Structure Change Process Date: April 17, 2008
    Last Data Update: April 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Elm Street, Sweetwater, TX 79556
    County: Nolan
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Sweetwater, TX (#45020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Name Change
  • Financial Summary
  • Total assets: $174.1 mil
    Equity capital: $15.2 mil
    Deposits held in domestic offices: $157.5 mil
    Return on assets (ROA): 1.63% ($2.8 mil)
    Quarterly return on assets: 1.83% ($3.2 mil)
    Return on Equity (ROE): 18.65% ($2.8 mil)
    Quarterly return on equity: 20.83% ($3.1 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 2.13% ($3,707.6 mil)
    Quarterly Pretax return on assets: 2.45% ($4,264.6 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
  • 36Total employees (full-time equivalent)
  • $174,065Total assets
  • $15,698Cash and due from depository institutions
  • $11,415Interest-bearing balances
  • $74,579Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,869Net loans & leases
  • $1,205Loan loss allowance
  • $0Trading account assets
  • $3,099Bank premises and fixed assets
  • $394Other real estate owned
  • $100Goodwill and other intangibles
  • $174,065Life insurance assets
  • $2,326All other assets
  • $158,816Total liabilities and capital
  • $157,494Total liabilities
  • $120,540Total deposits
  • $157,494Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,322Subordinated debt
  • $15,249All other liabilities
  • $15,249Total equity capital
  • $15,249Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $2,593Surplus
  • $10,156Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $884Income earned, not collected on loans
  • $0Earning assets
  • $1,255Long-term assets (5+ years)
  • $163,863Average Assets, year-to-date
  • $49,567Average Assets, quarterly
  • $164,919Volatile liabilities
  • $173,063Insider loans
  • $97,584FHLB advances
  • $170,688Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,678Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,349Restructured Loans and leases
  • $9,771Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,263Total interest income
  • $523Total interest expense
  • $6,740Net interest income
  • $216Provision for loan and lease losses
  • $1,285Total noninterest income
  • $0Fiduciary activities
  • $1,057Service charges on deposit accounts
  • $0Trading account gains & fees
  • $228Additional noninterest income
  • $4,315Total noninterest expense
  • $1,782Salaries and employee benefits
  • $581Premises and equipment expense
  • $1,952Additional noninterest expense
  • $3,494Pre-tax net operating income
  • $22Securities gains (losses)
  • $828Applicable income taxes
  • $2,688Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,688Net income attributable to bank
  • $0Net charge-offs
  • $2,688Cash dividends
  • $126Sale, conversion, retirement of capital stock, net
  • $1,775Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 2.13%Pretax return on assets
  • 18.65%Return on equity (ROE)
  • 6.33%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 171.43%Credit loss provision to net charge-offs
  • 29.44%Efficiency ratio
  • 53,769Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.03%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 136.31%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.12%Net loans and leases to deposits
  • 49.44%Net loans and leases to core deposits
  • 59.14%Equity capital to assets
  • 8.76%Core capital (leverage) ratio
  • 8.01%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $164,919Average earning assets
  • $14,414Average equity
  • $156,420Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $74,249Managed Assets
  • 1Number of Accounts
  • $55,875Personal trust and agency accounts
  • $54,720Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $417Corporate trust and agency accounts
  • $738Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 310Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $18,374Other retirement accounts
  • $51Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $17,670Fiduciary accounts held in foreign offices

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010787First Financial Bank, National Association201 Elm Street, Sweetwater, TX 79556January 03, 1948Full Service Brick and Mortar
    29960First And Concho BranchNorth First And Concho, Roby, TX 79543October 16, 1939Full Service Brick and Mortar
    3260219Trent Branch125 North Main, Trent, TX 79561December 15, 1993Full Service Brick and Mortar
    4480122Merkel Branch301 Edwards, Merkel, TX 79536August 01, 2008Full Service Brick and Mortar

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