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

  • First Financial Bank, National Association in Southlake, Texas (TX)
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First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 3114
    Status: Active
    Federal Reserve ID: 106658
    Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
    Date Established: June 07, 1907
    Trust Powers Granted: No
    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)
    OTS Docket #: 10602
    FDIC's unique #: 1988
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 06, 2011
    Last Structure Change Process Date: July 14, 2011
    Last Data Update: July 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 151 West Southlake Boulevard, Southlake, TX 76092
    County: Tarrant
    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
  • Change in Location
  • Financial Summary
  • Total assets: $317.5 mil
    Equity capital: $41.3 mil
    Deposits held in domestic offices: $269.0 mil
    Return on assets (ROA): 1.45% ($4.6 mil)
    Quarterly return on assets: 1.35% ($4.3 mil)
    Return on Equity (ROE): 11.17% ($4.6 mil)
    Quarterly return on equity: 10.55% ($4.3 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 2.00% ($6,349.1 mil)
    Quarterly Pretax return on assets: 1.85% ($5,872.9 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
  • 75Total employees (full-time equivalent)
  • $317,455Total assets
  • $26,728Cash and due from depository institutions
  • $17,927Interest-bearing balances
  • $70,822Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $186,689Net loans & leases
  • $4,673Loan loss allowance
  • $0Trading account assets
  • $12,318Bank premises and fixed assets
  • $1,966Other real estate owned
  • $11,559Goodwill and other intangibles
  • $317,455Life insurance assets
  • $7,373All other assets
  • $276,156Total liabilities and capital
  • $268,996Total liabilities
  • $190,885Total deposits
  • $268,996Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 5170.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,990Subordinated debt
  • $41,299All other liabilities
  • $41,299Total equity capital
  • $41,299Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $32,652Surplus
  • $8,347Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,842Income earned, not collected on loans
  • $0Earning assets
  • $1,292Long-term assets (5+ years)
  • $275,438Average Assets, year-to-date
  • $89,321Average Assets, quarterly
  • $309,960Volatile liabilities
  • $322,054Insider loans
  • $207,126FHLB advances
  • $307,491Loans and leases held for sale
  • $3,397Unused loan commitments
  • $3,397Tier 1 (core) risk-based capital
  • $29,126Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,101Restructured Loans and leases
  • $5,297Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,805Total interest income
  • $866Total interest expense
  • $12,939Net interest income
  • $655Provision for loan and lease losses
  • $3,673Total noninterest income
  • $0Fiduciary activities
  • $1,649Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,024Additional noninterest income
  • $9,785Total noninterest expense
  • $4,518Salaries and employee benefits
  • $1,275Premises and equipment expense
  • $3,992Additional noninterest expense
  • $6,172Pre-tax net operating income
  • $12Securities gains (losses)
  • $1,703Applicable income taxes
  • $4,481Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,481Net income attributable to bank
  • $0Net charge-offs
  • $4,481Cash dividends
  • $277Sale, conversion, retirement of capital stock, net
  • $3,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 0.32%Cost of funding earning assets
  • 4.80%Net interest margin
  • 1.36%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.45%Return on assets (ROA)
  • 2.00%Pretax return on assets
  • 11.17%Return on equity (ROE)
  • 2.70%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 236.46%Credit loss provision to net charge-offs
  • 24.65%Efficiency ratio
  • 57,525Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.88%Loss allowance to loans
  • 2.44%Loss allowance to noncurrent loans
  • 96.51%Noncurrent assets plus other real estate owned to assets
  • 2.14%Noncurrent loans to loans
  • 2.53%Net loans and leases to deposits
  • 69.40%Net loans and leases to core deposits
  • 73.58%Equity capital to assets
  • 13.01%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 14.06%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $309,960Average earning assets
  • $40,102Average equity
  • $269,711Average loans

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01988First Financial Bank, National Association151 West Southlake Boulevard, Southlake, TX 76092June 07, 1907Full Service Brick and Mortar
    1196080Boyd Branch609 East Rock Island, Boyd, TX 76023August 04, 1997Full Service Brick and Mortar
    2282590Decatur Branch608 West Hale Ave, Decatur, TX 76234June 30, 1986Full Service Brick and Mortar
    4258374Trophy Club Branch95 Trophy Club Drive, Trophy Club, TX 76262October 15, 1996Full Service Brick and Mortar
    5362947Keller Branch891 Keller Parkway, Suite 100, Keller, TX 76248January 02, 2002Full Service Brick and Mortar
    6446221Bridgeport Branch909 Stevens Street, Bridgeport, TX 76426December 01, 2005Full Service Brick and Mortar
    8529965Grapevine Branch1015 West Northwest Highway, Grapevine, TX 76051March 05, 2012Full Service Brick and Mortar

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