FDIC Certificate #: 1197 Status: Active Federal Reserve ID: 996457 Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX) Date Established: January 01, 1923 WWW:http://www.ffbhuntsville.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 820 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: Febuary 14, 2011 Last Structure Change Process Date: Febuary 25, 2011 Last Data Update: Febuary 25, 2011 Data Source Date: April 05, 2012
Location
Address: 33 Highway 75 North, Huntsville, TX 77340 County: Walker Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Huntsville, TX (#26660) CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Financial Summary
Total assets: $181.2 mil Equity capital: $24.8 mil Deposits held in domestic offices: $154.7 mil Return on assets (ROA): 1.23% ($2.2 mil) Quarterly return on assets: 1.37% ($2.5 mil) Return on Equity (ROE): 9.26% ($2.3 mil) Quarterly return on equity: 9.95% ($2.5 mil) Net income: $2.2 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.72% ($3,116.6 mil) Quarterly Pretax return on assets: 1.91% ($3,460.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$181,196Total assets
$8,960Cash and due from depository institutions
$4,694Interest-bearing balances
$71,108Securities
$0Federal funds sold & reverse repurchase agreements
$87,357Net loans & leases
$1,023Loan loss allowance
$0Trading account assets
$2,519Bank premises and fixed assets
$0Other real estate owned
$9,910Goodwill and other intangibles
$181,196Life insurance assets
$1,342All other assets
$156,438Total liabilities and capital
$154,731Total liabilities
$131,047Total deposits
$154,731Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,707Subordinated debt
$24,758All other liabilities
$24,758Total equity capital
$24,758Total bank equity capital
$0Perpetual preferred stock
$112Common stock
$22,126Surplus
$2,520Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$393Income earned, not collected on loans
$0Earning assets
$772Long-term assets (5+ years)
$163,159Average Assets, year-to-date
$60,101Average Assets, quarterly
$177,433Volatile liabilities
$178,794Insider loans
$96,726FHLB advances
$165,130Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,102Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,350Restructured Loans and leases
$4,626Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,261Total interest income
$814Total interest expense
$6,447Net interest income
$1,006Provision for loan and lease losses
$1,141Total noninterest income
$0Fiduciary activities
$348Service charges on deposit accounts
$0Trading account gains & fees
$793Additional noninterest income
$3,536Total noninterest expense
$1,386Salaries and employee benefits
$357Premises and equipment expense
$1,793Additional noninterest expense
$3,046Pre-tax net operating income
$0Securities gains (losses)
$855Applicable income taxes
$2,191Income before extraordinary items
$0Extraordinary gains - net
$2,191Net income attributable to bank
$0Net charge-offs
$2,191Cash dividends
$9Sale, conversion, retirement of capital stock, net
$950Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.52%Yield on earning assets
0.51%Cost of funding earning assets
4.01%Net interest margin
0.71%Noninterest income to earning assets
2.20%Noninterest expense to earning assets
1.23%Net operating income to assets
1.23%Return on assets (ROA)
1.72%Pretax return on assets
9.26%Return on equity (ROE)
5.24%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
11177.78%Credit loss provision to net charge-offs
450.22%Efficiency ratio
45,809Assets per employee
7.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.36%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
260.31%Noncurrent assets plus other real estate owned to assets
0.22%Noncurrent loans to loans
0.44%Net loans and leases to deposits
56.46%Net loans and leases to core deposits
62.45%Equity capital to assets
13.66%Core capital (leverage) ratio
8.54%Tier 1 risk-based capital ratio
14.58%Total risk-based capital ratio
Memoranda
$16Average assets
$177,433Average earning assets
$23,673Average equity
$160,659Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
820
First Financial Bank
33 Highway 75 North, Huntsville, TX 77340
January 01, 1923
Full Service Brick and Mortar
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