First Financial Bank, National Association in Sweetwater, Texas (TX)

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First Financial Bank, National Association
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)36
Total assets$174,065
Cash and due from depository institutions$15,698
Interest-bearing balances$11,415
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$77,869
Loan loss allowance $1,205
Trading account assets$0
Bank premises and fixed assets$3,099
Other real estate owned$394
Goodwill and other intangibles$100
All other assets$2,326
Life insurance assets$174,065
Total liabilities and capital$158,816
Total liabilities$157,494
Total deposits$120,540
Interest-bearing deposits$157,494
Deposits held in domestic offices$70
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,322
All other liabilities $15,249
Total equity capital$15,249
Total bank equity capital$15,249
Perpetual preferred stock$0
Common stock$2,500
Undivided profits $10,156
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $884
Earning assets $0
Long-term assets (5+ years) $1,255
Average Assets, year-to-date $163,863
Average Assets, quarterly $49,567
Volatile liabilities $164,919
Insider loans $173,063
FHLB advances $97,584
Loans and leases held for sale $170,688
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,678
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,349
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,263
Total interest expense $523
Net interest income $6,740
Provision for loan and lease losses $216
Total noninterest income $1,285
Fiduciary activities $0
Service charges on deposit accounts $1,057
Trading account gains & fees $0
Additional noninterest income $228
Total noninterest expense $4,315
Salaries and employee benefits $1,782
Premises and equipment expense $581
Additional noninterest expense $1,952
Pre-tax net operating income $3,494
Securities gains (losses) $22
Applicable income taxes $828
Income before extraordinary items $2,688
Extraordinary gains - net $0
Net income attributable to bank $2,688
Net charge-offs $0
Cash dividends $2,688
Sale, conversion, retirement of capital stock, net $126
Net operating income $1,775
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.64%
Cost of funding earning assets 0.33%
Net interest margin 4.31%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 2.76%
Net operating income to assets 1.62%
Return on assets (ROA) 1.63%
Pretax return on assets 2.13%
Return on equity (ROE) 18.65%
Retained earnings to average equity (YTD only) 6.33%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 171.43%
Efficiency ratio29.44%
Assets per employee$53,769
Cash dividends to net income (YTD only)4.84%
Condition Ratios (%)
Loss allowance to loans 66.03%
Loss allowance to noncurrent loans 1.52%
Noncurrent assets plus other real estate owned to assets 136.31%
Noncurrent loans to loans 0.73%
Net loans and leases to deposits1.12%
Net loans and leases to core deposits 49.44%
Equity capital to assets 59.14%
Core capital (leverage) ratio 8.76%
Tier 1 risk-based capital ratio 8.01%
Total risk-based capital ratio 14.02%
Average assets$15
Average earning assets$164,919
Average equity $14,414
Average loans $156,420
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Total Fiduciary and Related Assets (December 31, 2003)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$74,249
Number of Accounts1
Personal trust and agency accounts$55,875
Employee benefit-defined contribution accounts$54,720
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$417
Investment management agency accounts$738
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts310
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$18,374
Corporate trust and agency accounts$51
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$17,670
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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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