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

First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 22105
    Status: Active
    Federal Reserve ID: 673963
    Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
    Date Established: September 09, 1975
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10097
    FDIC's unique #: 15355
    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: September 09, 1975
    Last Structure Change Effective Date: August 12, 2009
    Last Structure Change Process Date: August 14, 2009
    Last Data Update: August 14, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 West Beauregard Street, San Angelo, TX 76903
    County: Tom Green
    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
    Metropolitan Statistical Area (MSA): San Angelo, TX (#7200)
    Core Based Statistical Area (CBSA): San Angelo, TX (#41660)
    CBSA Metro Statistical Area: San Angelo, TX (#41660)
  • History of Changes
  • Change in Location
    Name Change
  • Financial Summary
  • Total assets: $419.9 mil
    Equity capital: $51.5 mil
    Deposits held in domestic offices: $356.0 mil
    Return on assets (ROA): 1.94% ($8.1 mil)
    Quarterly return on assets: 1.86% ($7.8 mil)
    Return on Equity (ROE): 15.49% ($8.1 mil)
    Quarterly return on equity: 14.88% ($7.7 mil)
    Net income: $7.7 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 2.57% ($10,790.6 mil)
    Quarterly Pretax return on assets: 2.46% ($10,328.7 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
  • 72Total employees (full-time equivalent)
  • $419,866Total assets
  • $21,761Cash and due from depository institutions
  • $5,309Interest-bearing balances
  • $232,264Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $141,784Net loans & leases
  • $2,495Loan loss allowance
  • $0Trading account assets
  • $5,300Bank premises and fixed assets
  • $355Other real estate owned
  • $12,900Goodwill and other intangibles
  • $419,866Life insurance assets
  • $5,502All other assets
  • $368,346Total liabilities and capital
  • $355,955Total liabilities
  • $233,965Total deposits
  • $355,955Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $12,391Subordinated debt
  • $51,520All other liabilities
  • $51,520Total equity capital
  • $51,520Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $30,185Surplus
  • $19,335Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,812Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $489Income earned, not collected on loans
  • $0Earning assets
  • $2,593Long-term assets (5+ years)
  • $379,357Average Assets, year-to-date
  • $157,733Average Assets, quarterly
  • $398,798Volatile liabilities
  • $413,661Insider loans
  • $212,348FHLB advances
  • $389,306Loans and leases held for sale
  • $214Unused loan commitments
  • $214Tier 1 (core) risk-based capital
  • $36,237Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,287Restructured Loans and leases
  • $13,957Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,402Total interest income
  • $935Total interest expense
  • $15,467Net interest income
  • $286Provision for loan and lease losses
  • $3,417Total noninterest income
  • $0Fiduciary activities
  • $1,273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,144Additional noninterest income
  • $8,381Total noninterest expense
  • $4,322Salaries and employee benefits
  • $881Premises and equipment expense
  • $3,178Additional noninterest expense
  • $10,217Pre-tax net operating income
  • $48Securities gains (losses)
  • $2,547Applicable income taxes
  • $7,718Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,718Net income attributable to bank
  • $0Net charge-offs
  • $7,718Cash dividends
  • $133Sale, conversion, retirement of capital stock, net
  • $7,150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 0.26%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 1.93%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 2.57%Pretax return on assets
  • 15.49%Return on equity (ROE)
  • 1.14%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 215.04%Credit loss provision to net charge-offs
  • 78.97%Efficiency ratio
  • 44,381Assets per employee
  • 5.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.64%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 510.22%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 39.83%Net loans and leases to core deposits
  • 43.41%Equity capital to assets
  • 12.27%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 17.06%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $398,798Average earning assets
  • $49,823Average equity
  • $361,872Average 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
  • $160,512Managed Assets
  • 1Number of Accounts
  • $78,097Personal trust and agency accounts
  • $63,241Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $11,728Corporate trust and agency accounts
  • $554Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $2,574Non-managed Assets
  • 288Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $82,415Other retirement accounts
  • $51,905Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015355First Financial Bank, National Association301 West Beauregard Street, San Angelo, TX 76903September 09, 1975Full Service Brick and Mortar
    1254084Southwest Branch3471 Knickerbocker Road, San Angelo, TX 76904September 26, 1997Full Service Brick and Mortar
    2207769Detached Drive-In Facility222 South Koenigheim Street, San Angelo, TX 76903June 04, 1979Limited Service Facility

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