FDIC Certificate #: 16589 Status: Active Federal Reserve ID: 57956 Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX) Date Established: June 16, 1947 WWW:http://www.ffinb.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10734 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: June 16, 1947 Last Structure Change Effective Date: June 22, 2009 Last Structure Change Process Date: June 22, 2009 Last Data Update: June 22, 2009 Data Source Date: April 05, 2012
Location
Address: Third And Sampson Streets, Hereford, TX 79045 County: Deaf Smith Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Lubbock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Hereford, TX (#25820) CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Financial Summary
Total assets: $164.9 mil Equity capital: $15.3 mil Deposits held in domestic offices: $138.7 mil Return on assets (ROA): 1.50% ($2.5 mil) Quarterly return on assets: 1.45% ($2.4 mil) Return on Equity (ROE): 16.62% ($2.5 mil) Quarterly return on equity: 15.15% ($2.3 mil) Net income: $2.5 mil Quarterly Net income: $0.6 mil Pretax return on assets: 2.10% ($3,462.5 mil) Quarterly Pretax return on assets: 2.01% ($3,314.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
26Total employees (full-time equivalent)
$164,881Total assets
$14,817Cash and due from depository institutions
$2,965Interest-bearing balances
$43,975Securities
$0Federal funds sold & reverse repurchase agreements
$101,992Net loans & leases
$2,077Loan loss allowance
$0Trading account assets
$1,114Bank premises and fixed assets
$207Other real estate owned
$0Goodwill and other intangibles
$164,881Life insurance assets
$2,776All other assets
$149,631Total liabilities and capital
$138,670Total liabilities
$77,189Total deposits
$138,670Interest-bearing deposits
$88Deposits held in domestic offices
8721.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,240Subordinated debt
$15,250All other liabilities
$15,250Total equity capital
$15,250Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$6,586Surplus
$7,664Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,262Income earned, not collected on loans
$0Earning assets
$1,223Long-term assets (5+ years)
$148,932Average Assets, year-to-date
$44,062Average Assets, quarterly
$163,950Volatile liabilities
$160,188Insider loans
$121,688FHLB advances
$155,454Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,688Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$33,742Restructured Loans and leases
$6,648Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,213Total interest income
$326Total interest expense
$6,887Net interest income
$671Provision for loan and lease losses
$871Total noninterest income
$0Fiduciary activities
$605Service charges on deposit accounts
$0Trading account gains & fees
$266Additional noninterest income
$3,670Total noninterest expense
$1,628Salaries and employee benefits
$394Premises and equipment expense
$1,648Additional noninterest expense
$3,417Pre-tax net operating income
$31Securities gains (losses)
$989Applicable income taxes
$2,459Income before extraordinary items
$0Extraordinary gains - net
$2,459Net income attributable to bank
$0Net charge-offs
$2,459Cash dividends
$556Sale, conversion, retirement of capital stock, net
$1,825Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
0.22%Cost of funding earning assets
4.56%Net interest margin
0.58%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
1.49%Net operating income to assets
1.50%Return on assets (ROA)
2.10%Pretax return on assets
16.62%Return on equity (ROE)
4.29%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
120.68%Credit loss provision to net charge-offs
7.35%Efficiency ratio
47,306Assets per employee
6.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.22%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
164.58%Noncurrent assets plus other real estate owned to assets
0.89%Noncurrent loans to loans
1.21%Net loans and leases to deposits
73.55%Net loans and leases to core deposits
79.53%Equity capital to assets
9.25%Core capital (leverage) ratio
9.45%Tier 1 risk-based capital ratio
12.07%Total risk-based capital ratio
Memoranda
$13Average assets
$163,950Average earning assets
$14,794Average equity
$151,034Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10734
First Financial Bank
Third And Sampson Streets, Hereford, TX 79045
June 16, 1947
Full Service Brick and Mortar
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