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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    057079First Financial Bank, National Association2201 W. South Loop, Stephenville, TX 76401April 03, 1997Full Service Brick and Mortar
    17394First Financial Bank, N.A./Granbury Branch2007 Highway 377 East, Granbury, TX 76049January 05, 1923Full Service Brick and Mortar
    2225037First Financial Bank, N.A./ Down Town Plaza Drive Thru199 North Columbia Avenue, Stephenville, TX 76401April 10, 1978Limited Service Facility
    3225038First Financial Bank, N.A./ River North Branch1875 Lingleville Road, Stephenville, TX 76401September 04, 1990Full Service Brick and Mortar
    42076First Financial Bank, N.A./ Glen Rose Branch400 Big Bend Trail, Glen Rose, TX 76043January 01, 1928Full Service Brick and Mortar
    6452969Granbury Branch Hwy 144 Branch1600 South Morgan St., Granbury, TX 76049November 01, 2005Full Service Brick and Mortar
    8475990First Financial Bank, Na Action2915 Fall Creek Highway, Granbury, TX 76049Febuary 21, 2008Full Service Brick and Mortar

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