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


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

  • General
  • FDIC Certificate #: 3141
    Status: Active
    Federal Reserve ID: 860156
    Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
    Date Established: July 02, 1927
    WWW: http://www.firstmybank.com
    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)
    FDIC's unique #: 2011
    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: 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: 403 North Main Street, Cleburne, TX 76031
    County: Johnson
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $308.6 mil
    Equity capital: $29.0 mil
    Deposits held in domestic offices: $278.3 mil
    Return on assets (ROA): 1.37% ($4.2 mil)
    Quarterly return on assets: 1.52% ($4.7 mil)
    Return on Equity (ROE): 14.56% ($4.2 mil)
    Quarterly return on equity: 15.88% ($4.6 mil)
    Net income: $4.0 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.76% ($5,431.1 mil)
    Quarterly Pretax return on assets: 2.01% ($6,202.5 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
  • 71Total employees (full-time equivalent)
  • $308,584Total assets
  • $15,747Cash and due from depository institutions
  • $7,045Interest-bearing balances
  • $128,561Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $150,212Net loans & leases
  • $3,913Loan loss allowance
  • $0Trading account assets
  • $10,786Bank premises and fixed assets
  • $174Other real estate owned
  • $313Goodwill and other intangibles
  • $308,584Life insurance assets
  • $2,791All other assets
  • $279,594Total liabilities and capital
  • $278,334Total liabilities
  • $200,443Total deposits
  • $278,334Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 126.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,134Subordinated debt
  • $28,990All other liabilities
  • $28,990Total equity capital
  • $28,990Total bank equity capital
  • $0Perpetual preferred stock
  • $818Common stock
  • $9,003Surplus
  • $19,169Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,967Income earned, not collected on loans
  • $0Earning assets
  • $1,619Long-term assets (5+ years)
  • $285,818Average Assets, year-to-date
  • $97,908Average Assets, quarterly
  • $289,230Volatile liabilities
  • $300,483Insider loans
  • $191,490FHLB advances
  • $293,278Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,975Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,970Restructured Loans and leases
  • $7,132Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,301Total interest income
  • $553Total interest expense
  • $11,748Net interest income
  • $1,315Provision for loan and lease losses
  • $4,130Total noninterest income
  • $0Fiduciary activities
  • $1,876Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,254Additional noninterest income
  • $9,517Total noninterest expense
  • $3,957Salaries and employee benefits
  • $1,441Premises and equipment expense
  • $4,119Additional noninterest expense
  • $5,046Pre-tax net operating income
  • $48Securities gains (losses)
  • $1,140Applicable income taxes
  • $3,954Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,954Net income attributable to bank
  • $0Net charge-offs
  • $3,954Cash dividends
  • $205Sale, conversion, retirement of capital stock, net
  • $1,900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.21%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.54%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 14.56%Return on equity (ROE)
  • 7.56%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 641.46%Credit loss provision to net charge-offs
  • 31.03%Efficiency ratio
  • 59,938Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.05%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 98.64%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 2.57%Net loans and leases to deposits
  • 53.97%Net loans and leases to core deposits
  • 57.18%Equity capital to assets
  • 9.39%Core capital (leverage) ratio
  • 8.86%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $289,230Average earning assets
  • $27,156Average equity
  • $268,385Average loans

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02011First Financial Bank, National Association403 North Main Street, Cleburne, TX 76031July 02, 1927Full Service Brick and Mortar
    2196100Drive-In Branch403 North Main & Herd Street, Cleburne, TX 76031July 31, 1976Limited Service Facility
    4196101Burleson Branch1900 Southwest Wilshire, Burleson, TX 76028Febuary 03, 1997Full Service Brick and Mortar
    516156Cleburne Branch200 North Ridgeway Drive, Cleburne, TX 76031March 10, 1980Full Service Brick and Mortar
    7255861Alvarado Branch200 East Highway 67, Alvarado, TX 76009August 14, 1996Full Service Brick and Mortar
    8452956Midlothian Branch1490 East Main Street, Midlothian, TX 76065September 06, 2005Full Service Brick and Mortar
    9521786Crowley Branch816 South Crowley Road, Crowley, TX 76036October 15, 2010Full Service Brick and Mortar

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