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

First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 3348
    Status: Active
    Federal Reserve ID: 237150
    Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
    Date Established: May 14, 1925
    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: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13092
    FDIC's unique #: 2169
    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: July 02, 2007
    Last Structure Change Process Date: October 04, 2007
    Last Data Update: October 04, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1800 East Hubbard Street, Mineral Wells, TX 76067
    County: Palo Pinto
    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
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Mineral Wells, TX (#33420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $205.1 mil
    Equity capital: $24.0 mil
    Deposits held in domestic offices: $161.1 mil
    Return on assets (ROA): 2.03% ($4.2 mil)
    Quarterly return on assets: 2.03% ($4.2 mil)
    Return on Equity (ROE): 18.27% ($4.4 mil)
    Quarterly return on equity: 17.45% ($4.2 mil)
    Net income: $4.1 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 2.92% ($5,990.2 mil)
    Quarterly Pretax return on assets: 2.90% ($5,949.1 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
  • 40Total employees (full-time equivalent)
  • $205,143Total assets
  • $16,408Cash and due from depository institutions
  • $11,336Interest-bearing balances
  • $69,298Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $107,863Net loans & leases
  • $2,210Loan loss allowance
  • $0Trading account assets
  • $2,183Bank premises and fixed assets
  • $472Other real estate owned
  • $6,892Goodwill and other intangibles
  • $205,143Life insurance assets
  • $2,027All other assets
  • $181,119Total liabilities and capital
  • $161,126Total liabilities
  • $109,051Total deposits
  • $161,126Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 18004.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,989Subordinated debt
  • $24,024All other liabilities
  • $24,024Total equity capital
  • $24,024Total bank equity capital
  • $0Perpetual preferred stock
  • $330Common stock
  • $15,807Surplus
  • $7,887Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,084Income earned, not collected on loans
  • $0Earning assets
  • $913Long-term assets (5+ years)
  • $188,497Average Assets, year-to-date
  • $54,588Average Assets, quarterly
  • $202,376Volatile liabilities
  • $203,886Insider loans
  • $105,746FHLB advances
  • $190,921Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,890Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,012Restructured Loans and leases
  • $3,375Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,900Total interest income
  • $536Total interest expense
  • $9,364Net interest income
  • $275Provision for loan and lease losses
  • $1,538Total noninterest income
  • $0Fiduciary activities
  • $789Service charges on deposit accounts
  • $0Trading account gains & fees
  • $749Additional noninterest income
  • $4,717Total noninterest expense
  • $2,149Salaries and employee benefits
  • $476Premises and equipment expense
  • $2,092Additional noninterest expense
  • $5,910Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,803Applicable income taxes
  • $4,107Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,107Net income attributable to bank
  • $0Net charge-offs
  • $4,107Cash dividends
  • $258Sale, conversion, retirement of capital stock, net
  • $1,900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 5.05%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 2.03%Net operating income to assets
  • 2.03%Return on assets (ROA)
  • 2.92%Pretax return on assets
  • 18.27%Return on equity (ROE)
  • 9.82%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 106.59%Credit loss provision to net charge-offs
  • 23.97%Efficiency ratio
  • 43,267Assets per employee
  • 5.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.26%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 203.87%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 66.94%Net loans and leases to core deposits
  • 69.44%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 14.08%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $202,376Average earning assets
  • $22,484Average equity
  • $185,499Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02169First Financial Bank, National Association1800 East Hubbard Street, Mineral Wells, TX 76067May 14, 1925Full Service Brick and Mortar

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