First Financial Bank, National Association in city_name, state_name

First Financial Bank, National Association in Weatherford, Texas (TX)
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First Financial Bank, National Association routing number info

First Financial Bank, National Association - Overview

General
FDIC Certificate #: 25273
Status: Active
Federal Reserve ID: 553766
Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
Date Established: July 16, 1984
WWW: http://www.wnbk.com
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: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 17476
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: July 16, 1984
Last Structure Change Effective Date: June 22, 2009
Last Structure Change Process Date: June 26, 2009
Last Data Update: June 26, 2009
Data Source Date: April 05, 2012
Location
Address: 101 North Main Street, Weatherford, TX 76086
County: Parker
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
Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
History of Changes
Name Change
Financial Summary
Total assets: $403.3 mil
Equity capital: $40.5 mil
Deposits held in domestic offices: $342.7 mil
Return on assets (ROA): 1.51% ($6.1 mil)
Quarterly return on assets: 1.64% ($6.6 mil)
Return on Equity (ROE): 15.28% ($6.1 mil)
Quarterly return on equity: 16.02% ($6.4 mil)
Net income: $5.8 mil
Quarterly Net income: $1.6 mil
Pretax return on assets: 1.96% ($7,903.7 mil)
Quarterly Pretax return on assets: 2.16% ($8,710.2 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
90Total employees (full-time equivalent)
$403,252Total assets
$30,363Cash and due from depository institutions
$20,273Interest-bearing balances
$202,156Securities
$0Federal funds sold & reverse repurchase agreements
$151,212Net loans & leases
$3,933Loan loss allowance
$0Trading account assets
$8,180Bank premises and fixed assets
$4,552Other real estate owned
$2,929Goodwill and other intangibles
$403,252Life insurance assets
$3,860All other assets
$362,802Total liabilities and capital
$342,739Total liabilities
$217,129Total deposits
$342,739Interest-bearing deposits
$88Deposits held in domestic offices
14281.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5,782Subordinated debt
$40,450All other liabilities
$40,450Total equity capital
$40,450Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$14,609Surplus
$24,841Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,627Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,316Income earned, not collected on loans
$0Earning assets
$2,131Long-term assets (5+ years)
$373,641Average Assets, year-to-date
$134,819Average Assets, quarterly
$385,814Volatile liabilities
$392,076Insider loans
$211,168FHLB advances
$370,878Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$31,309Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,553Restructured Loans and leases
$3,302Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,582Total interest income
$794Total interest expense
$14,788Net interest income
$1,015Provision for loan and lease losses
$4,647Total noninterest income
$0Fiduciary activities
$2,334Service charges on deposit accounts
$0Trading account gains & fees
$2,313Additional noninterest income
$10,896Total noninterest expense
$4,879Salaries and employee benefits
$1,304Premises and equipment expense
$4,713Additional noninterest expense
$7,524Pre-tax net operating income
$55Securities gains (losses)
$1,772Applicable income taxes
$5,807Income before extraordinary items
$0Extraordinary gains - net
$5,807Net income attributable to bank
$0Net charge-offs
$5,807Cash dividends
$1,387Sale, conversion, retirement of capital stock, net
$4,200Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
0.22%Cost of funding earning assets
4.13%Net interest margin
1.30%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.49%Net operating income to assets
1.51%Return on assets (ROA)
1.96%Pretax return on assets
15.28%Return on equity (ROE)
4.23%Retained earnings to average equity (YTD only)
0.91%Net charge-offs to loans
73.18%Credit loss provision to net charge-offs
6.16%Efficiency ratio
56,064Assets per employee
4.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.33%Loss allowance to loans
2.54%Loss allowance to noncurrent loans
118.61%Noncurrent assets plus other real estate owned to assets
1.95%Noncurrent loans to loans
2.14%Net loans and leases to deposits
44.12%Net loans and leases to core deposits
45.27%Equity capital to assets
10.03%Core capital (leverage) ratio
8.44%Tier 1 risk-based capital ratio
14.83%Total risk-based capital ratio
Memoranda
$16Average assets
$385,814Average earning assets
$38,006Average equity
$358,364Average loans

List of branches

7 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17476	First Financial Bank, National Association	101 North Main Street, Weatherford, TX 76086	July 16, 1984	Full Service Brick and Mortar
1	257972	Northside Branch	1214 North Main Street, Wetherford, TX 76086	July 11, 1995	Full Service Brick and Mortar
2	3796	College Park Branch	101 College Park Drive, Weatherford, TX 76086	January 01, 1868	Full Service Brick and Mortar
3	15759	Aledo Branch	505 Farm Rd. North 1187, Aledo, TX 76008	January 17, 1978	Full Service Brick and Mortar
4	442221	Willow Park Branch	4100 E I-20 South Service Rd, Willow Park, TX 76087	December 22, 2004	Full Service Brick and Mortar
5	476053	Brock Office	1120 Fm 1189, Millsap, TX 76066	Febuary 25, 2008	Full Service Brick and Mortar
6	510545	Ft Worth Branch	550 Bailey Ave. Suite 300, Fort Worth, TX 76107	Febuary 04, 2010	Full Service Brick and Mortar

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

First Financial Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First Financial Bank, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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