First Financial Bank, National Association in city_name, state_name

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

First Financial Bank, National Association - Overview

General
FDIC Certificate #: 3066
Status: Active
Federal Reserve ID: 470050
Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
Date Established: January 01, 1889
WWW: http://www.ffbtexas.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: 14 (Domestic: 14, Interstate: No)
FDIC's unique #: 1952
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 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 400 Pine Street, Abilene, TX 79604
County: Taylor
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): Abilene, TX (#40)
Core Based Statistical Area (CBSA): Abilene, TX (#10180)
CBSA Metro Statistical Area: Abilene, TX (#10180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $1,415.0 mil
Equity capital: $128.4 mil
Deposits held in domestic offices: $1,104.5 mil
Return on assets (ROA): 1.79% ($25.3 mil)
Quarterly return on assets: 1.76% ($24.9 mil)
Return on Equity (ROE): 19.15% ($24.5 mil)
Quarterly return on equity: 18.68% ($23.9 mil)
Net income: $23.0 mil
Quarterly Net income: $6.0 mil
Pretax return on assets: 2.39% ($33,819.5 mil)
Quarterly Pretax return on assets: 2.35% ($33,253.5 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
210Total employees (full-time equivalent)
$1,415,041Total assets
$163,634Cash and due from depository institutions
$45,696Interest-bearing balances
$747,012Securities
$4,300Federal funds sold & reverse repurchase agreements
$466,895Net loans & leases
$7,090Loan loss allowance
$0Trading account assets
$14,182Bank premises and fixed assets
$8Other real estate owned
$6,408Goodwill and other intangibles
$1,415,041Life insurance assets
$12,602All other assets
$1,286,613Total liabilities and capital
$1,104,451Total liabilities
$671,071Total deposits
$1,104,451Interest-bearing deposits
$84Deposits held in domestic offices
160197.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$21,965Subordinated debt
$128,428All other liabilities
$128,428Total equity capital
$128,428Total bank equity capital
$0Perpetual preferred stock
$5,000Common stock
$28,597Surplus
$94,831Undivided profits
Memoranda
$0Noncurrent loans and leases
$6,192Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$568Income earned, not collected on loans
$0Earning assets
$7,626Long-term assets (5+ years)
$1,263,903Average Assets, year-to-date
$521,582Average Assets, quarterly
$1,290,747Volatile liabilities
$1,358,703Insider loans
$711,788FHLB advances
$1,296,737Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$103,002Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$174,716Restructured Loans and leases
$58,244Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$47,006Total interest income
$1,741Total interest expense
$45,265Net interest income
$750Provision for loan and lease losses
$12,961Total noninterest income
$0Fiduciary activities
$5,476Service charges on deposit accounts
$0Trading account gains & fees
$7,485Additional noninterest income
$26,840Total noninterest expense
$11,249Salaries and employee benefits
$1,718Premises and equipment expense
$13,873Additional noninterest expense
$30,636Pre-tax net operating income
$260Securities gains (losses)
$7,850Applicable income taxes
$23,046Income before extraordinary items
$0Extraordinary gains - net
$23,046Net income attributable to bank
$0Net charge-offs
$23,046Cash dividends
$387Sale, conversion, retirement of capital stock, net
$14,550Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.03%Yield on earning assets
0.15%Cost of funding earning assets
3.88%Net interest margin
1.11%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
1.77%Net operating income to assets
1.79%Return on assets (ROA)
2.39%Pretax return on assets
19.15%Return on equity (ROE)
7.06%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
193.80%Credit loss provision to net charge-offs
81.10%Efficiency ratio
46,041Assets per employee
6.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.13%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
1248.24%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.12%Net loans and leases to deposits
42.27%Net loans and leases to core deposits
44.11%Equity capital to assets
9.08%Core capital (leverage) ratio
7.94%Tier 1 risk-based capital ratio
14.47%Total risk-based capital ratio
Memoranda
$15Average assets
$1,290,747Average earning assets
$120,355Average equity
$1,165,805Average 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
$870,902Managed Assets
1Number of Accounts
$794,762Personal trust and agency accounts
$594,185Employee benefit-defined contribution accounts
$75,653Employee benefit-defined benefit accounts
$14,417Other retirement accounts
$45,247Corporate trust and agency accounts
$0Investment management agency accounts
$65,260Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1156Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$76,140Other retirement accounts
$56,108Corporate trust and agency accounts
$10,665Other fiduciary accounts
$9,367Fiduciary accounts held in foreign offices

List of branches

14 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1952	First Financial Bank, National Association	400 Pine Street, Abilene, TX 79604	January 01, 1889	Full Service Brick and Mortar
1	196050	Detached Drive-In Facility	701 North Pine, Abilene, TX 79601	October 26, 1981	Limited Service Facility
2	16254	Buffalo Gap Road Branch	4320 Buffalo Gap Road, Abilene, TX 79605	August 25, 1980	Full Service Brick and Mortar
3	196051	Ely Branch	1010 North Judge Ely Boulevard, Abilene, TX 79601	November 30, 1987	Full Service Brick and Mortar
4	11973	River Oaks Branch	3300 South 14th Street, Abilene, TX 79605	July 17, 1959	Full Service Brick and Mortar
5	196052	H E B Branch	1345 Barrow Street, Abilene, TX 79605	March 06, 1995	Full Service Retail
6	196053	Walmart Branch	4350 Southwest Drive, Abilene, TX 79606	March 25, 1996	Full Service Retail
7	196054	United Branch	920 North Willis, Abilene, TX 79603	June 17, 1999	Full Service Retail
8	438920	Wesley Court Branch	2617 Antilley Road, Abilene, TX 79606	Febuary 04, 2005	Limited Service Mobile
9	12191	Clyde Branch	718 Elm Street, Clyde, TX 79510	July 09, 1960	Full Service Brick and Mortar
10	2172	Moran Branch	400 Ground Street, Moran, TX 76464	January 01, 1925	Full Service Brick and Mortar
13	444585	Walmart North	1650 State Highway 351, Abilene, TX 79601	August 24, 2005	Full Service Retail
14	467927	Albany Branch	132 Hill Street, Albany, TX 76430	July 20, 2007	Full Service Brick and Mortar
15	506559	Odessa Brsnch	2651 Jbs Parkway, Odessa, TX 79762	March 04, 2010	Full Service Brick and Mortar

First Financial Bank, National Association in Abilene, 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)

Total Fiduciary and Related Assets (December 31, 2003)

List of branches

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

First Financial Bank, National Association in Abilene, 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)

Total Fiduciary and Related Assets (December 31, 2003)

List of branches

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

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