First Financial Bank, National Association in city_name, state_name

First Financial Bank, National Association in Stephenville, Texas (TX)
Show street view No street view available for this location

First Financial Bank, National Association routing number info

First Financial Bank, National Association - Overview

General
FDIC Certificate #: 34320
Status: Active
Federal Reserve ID: 2562838
Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
Date Established: April 03, 1997
WWW: http://www.ffinbank.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 #: 57079
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: April 03, 1997
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: 2201 W. South Loop, Stephenville, TX 76401
County: Erath
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
Core Based Statistical Area (CBSA): Stephenville, TX (#44500)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $361.6 mil
Equity capital: $46.3 mil
Deposits held in domestic offices: $307.6 mil
Return on assets (ROA): 1.84% ($6.7 mil)
Quarterly return on assets: 1.80% ($6.5 mil)
Return on Equity (ROE): 14.07% ($6.5 mil)
Quarterly return on equity: 13.83% ($6.4 mil)
Net income: $6.4 mil
Quarterly Net income: $1.6 mil
Pretax return on assets: 2.56% ($9,256.4 mil)
Quarterly Pretax return on assets: 2.51% ($9,075.6 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
72Total employees (full-time equivalent)
$361,579Total assets
$17,558Cash and due from depository institutions
$9,000Interest-bearing balances
$99,111Securities
$0Federal funds sold & reverse repurchase agreements
$212,805Net loans & leases
$4,458Loan loss allowance
$0Trading account assets
$9,789Bank premises and fixed assets
$1,083Other real estate owned
$15,289Goodwill and other intangibles
$361,579Life insurance assets
$5,944All other assets
$315,232Total liabilities and capital
$307,551Total liabilities
$203,079Total deposits
$307,551Interest-bearing deposits
$86Deposits held in domestic offices
3688.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,993Subordinated debt
$46,347All other liabilities
$46,347Total equity capital
$46,347Total bank equity capital
$0Perpetual preferred stock
$2,134Common stock
$26,347Surplus
$17,866Undivided profits
Memoranda
$0Noncurrent loans and leases
$997Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,882Income earned, not collected on loans
$657Earning assets
$1,668Long-term assets (5+ years)
$320,916Average Assets, year-to-date
$87,959Average Assets, quarterly
$345,386Volatile liabilities
$355,793Insider loans
$231,094FHLB advances
$338,277Loans and leases held for sale
$2,096Unused loan commitments
$2,096Tier 1 (core) risk-based capital
$30,143Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$24,891Restructured Loans and leases
$2,431Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,508Total interest income
$673Total interest expense
$14,835Net interest income
$228Provision for loan and lease losses
$3,985Total noninterest income
$0Fiduciary activities
$1,840Service charges on deposit accounts
$0Trading account gains & fees
$2,145Additional noninterest income
$9,751Total noninterest expense
$4,410Salaries and employee benefits
$1,234Premises and equipment expense
$4,107Additional noninterest expense
$8,841Pre-tax net operating income
$2Securities gains (losses)
$2,489Applicable income taxes
$6,354Income before extraordinary items
$0Extraordinary gains - net
$6,354Net income attributable to bank
$0Net charge-offs
$6,354Cash dividends
-$78Sale, conversion, retirement of capital stock, net
$4,950Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
0.22%Cost of funding earning assets
4.86%Net interest margin
1.31%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
1.84%Net operating income to assets
1.84%Return on assets (ROA)
2.56%Pretax return on assets
14.07%Return on equity (ROE)
3.11%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
-292.31%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,615Assets per employee
5.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.90%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
154.68%Noncurrent assets plus other real estate owned to assets
1.10%Noncurrent loans to loans
1.33%Net loans and leases to deposits
69.19%Net loans and leases to core deposits
72.23%Equity capital to assets
12.82%Core capital (leverage) ratio
8.91%Tier 1 risk-based capital ratio
13.04%Total risk-based capital ratio
Memoranda
$14Average assets
$345,386Average earning assets
$45,164Average equity
$304,962Average loans

List of branches

7 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	57079	First Financial Bank, National Association	2201 W. South Loop, Stephenville, TX 76401	April 03, 1997	Full Service Brick and Mortar
1	7394	First Financial Bank, N.A./Granbury Branch	2007 Highway 377 East, Granbury, TX 76049	January 05, 1923	Full Service Brick and Mortar
2	225037	First Financial Bank, N.A./ Down Town Plaza Drive Thru	199 North Columbia Avenue, Stephenville, TX 76401	April 10, 1978	Limited Service Facility
3	225038	First Financial Bank, N.A./ River North Branch	1875 Lingleville Road, Stephenville, TX 76401	September 04, 1990	Full Service Brick and Mortar
4	2076	First Financial Bank, N.A./ Glen Rose Branch	400 Big Bend Trail, Glen Rose, TX 76043	January 01, 1928	Full Service Brick and Mortar
6	452969	Granbury Branch Hwy 144 Branch	1600 South Morgan St., Granbury, TX 76049	November 01, 2005	Full Service Brick and Mortar
8	475990	First Financial Bank, Na Action	2915 Fall Creek Highway, Granbury, TX 76049	Febuary 21, 2008	Full Service Brick and Mortar

First Financial Bank, National Association in Stephenville, 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)

List of branches

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

First Financial Bank, National Association in Stephenville, 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)

List of branches

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

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