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


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
  • NoIDNameAddressEstablishedService TypeMap
    017476First Financial Bank, National Association101 North Main Street, Weatherford, TX 76086July 16, 1984Full Service Brick and Mortar
    1257972Northside Branch1214 North Main Street, Wetherford, TX 76086July 11, 1995Full Service Brick and Mortar
    23796College Park Branch101 College Park Drive, Weatherford, TX 76086January 01, 1868Full Service Brick and Mortar
    315759Aledo Branch505 Farm Rd. North 1187, Aledo, TX 76008January 17, 1978Full Service Brick and Mortar
    4442221Willow Park Branch4100 E I-20 South Service Rd, Willow Park, TX 76087December 22, 2004Full Service Brick and Mortar
    5476053Brock Office1120 Fm 1189, Millsap, TX 76066Febuary 25, 2008Full Service Brick and Mortar
    6510545Ft Worth Branch550 Bailey Ave. Suite 300, Fort Worth, TX 76107Febuary 04, 2010Full Service Brick and Mortar

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