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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    01952First Financial Bank, National Association400 Pine Street, Abilene, TX 79604January 01, 1889Full Service Brick and Mortar
    1196050Detached Drive-In Facility701 North Pine, Abilene, TX 79601October 26, 1981Limited Service Facility
    216254Buffalo Gap Road Branch4320 Buffalo Gap Road, Abilene, TX 79605August 25, 1980Full Service Brick and Mortar
    3196051Ely Branch1010 North Judge Ely Boulevard, Abilene, TX 79601November 30, 1987Full Service Brick and Mortar
    411973River Oaks Branch3300 South 14th Street, Abilene, TX 79605July 17, 1959Full Service Brick and Mortar
    5196052H E B Branch1345 Barrow Street, Abilene, TX 79605March 06, 1995Full Service Retail
    6196053Walmart Branch4350 Southwest Drive, Abilene, TX 79606March 25, 1996Full Service Retail
    7196054United Branch920 North Willis, Abilene, TX 79603June 17, 1999Full Service Retail
    8438920Wesley Court Branch2617 Antilley Road, Abilene, TX 79606Febuary 04, 2005Limited Service Mobile
    912191Clyde Branch718 Elm Street, Clyde, TX 79510July 09, 1960Full Service Brick and Mortar
    102172Moran Branch400 Ground Street, Moran, TX 76464January 01, 1925Full Service Brick and Mortar
    13444585Walmart North1650 State Highway 351, Abilene, TX 79601August 24, 2005Full Service Retail
    14467927Albany Branch132 Hill Street, Albany, TX 76430July 20, 2007Full Service Brick and Mortar
    15506559Odessa Brsnch2651 Jbs Parkway, Odessa, TX 79762March 04, 2010Full Service Brick and Mortar

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