First Financial Bank, National Association in city_name, state_name

First Financial Bank, National Association in Sweetwater, Texas (TX)
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First Financial Bank, National Association routing number info

First Financial Bank, National Association - Overview

General
FDIC Certificate #: 16653
Status: Active
Federal Reserve ID: 535463
Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
Date Established: January 03, 1948
WWW: http://www.ffbsweetwater.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 10787
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 03, 1948
Last Structure Change Effective Date: Febuary 04, 2008
Last Structure Change Process Date: April 17, 2008
Last Data Update: April 17, 2008
Data Source Date: April 05, 2012
Location
Address: 201 Elm Street, Sweetwater, TX 79556
County: Nolan
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): Sweetwater, TX (#45020)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Name Change
Financial Summary
Total assets: $174.1 mil
Equity capital: $15.2 mil
Deposits held in domestic offices: $157.5 mil
Return on assets (ROA): 1.63% ($2.8 mil)
Quarterly return on assets: 1.83% ($3.2 mil)
Return on Equity (ROE): 18.65% ($2.8 mil)
Quarterly return on equity: 20.83% ($3.1 mil)
Net income: $2.7 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 2.13% ($3,707.6 mil)
Quarterly Pretax return on assets: 2.45% ($4,264.6 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
36Total employees (full-time equivalent)
$174,065Total assets
$15,698Cash and due from depository institutions
$11,415Interest-bearing balances
$74,579Securities
$0Federal funds sold & reverse repurchase agreements
$77,869Net loans & leases
$1,205Loan loss allowance
$0Trading account assets
$3,099Bank premises and fixed assets
$394Other real estate owned
$100Goodwill and other intangibles
$174,065Life insurance assets
$2,326All other assets
$158,816Total liabilities and capital
$157,494Total liabilities
$120,540Total deposits
$157,494Interest-bearing deposits
$70Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,322Subordinated debt
$15,249All other liabilities
$15,249Total equity capital
$15,249Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$2,593Surplus
$10,156Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$884Income earned, not collected on loans
$0Earning assets
$1,255Long-term assets (5+ years)
$163,863Average Assets, year-to-date
$49,567Average Assets, quarterly
$164,919Volatile liabilities
$173,063Insider loans
$97,584FHLB advances
$170,688Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,678Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,349Restructured Loans and leases
$9,771Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,263Total interest income
$523Total interest expense
$6,740Net interest income
$216Provision for loan and lease losses
$1,285Total noninterest income
$0Fiduciary activities
$1,057Service charges on deposit accounts
$0Trading account gains & fees
$228Additional noninterest income
$4,315Total noninterest expense
$1,782Salaries and employee benefits
$581Premises and equipment expense
$1,952Additional noninterest expense
$3,494Pre-tax net operating income
$22Securities gains (losses)
$828Applicable income taxes
$2,688Income before extraordinary items
$0Extraordinary gains - net
$2,688Net income attributable to bank
$0Net charge-offs
$2,688Cash dividends
$126Sale, conversion, retirement of capital stock, net
$1,775Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
0.33%Cost of funding earning assets
4.31%Net interest margin
0.82%Noninterest income to earning assets
2.76%Noninterest expense to earning assets
1.62%Net operating income to assets
1.63%Return on assets (ROA)
2.13%Pretax return on assets
18.65%Return on equity (ROE)
6.33%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
171.43%Credit loss provision to net charge-offs
29.44%Efficiency ratio
53,769Assets per employee
4.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.03%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
136.31%Noncurrent assets plus other real estate owned to assets
0.73%Noncurrent loans to loans
1.12%Net loans and leases to deposits
49.44%Net loans and leases to core deposits
59.14%Equity capital to assets
8.76%Core capital (leverage) ratio
8.01%Tier 1 risk-based capital ratio
14.02%Total risk-based capital ratio
Memoranda
$15Average assets
$164,919Average earning assets
$14,414Average equity
$156,420Average loans

Total Fiduciary and Related Assets (December 31, 2003)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$74,249Managed Assets
1Number of Accounts
$55,875Personal trust and agency accounts
$54,720Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$417Corporate trust and agency accounts
$738Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
310Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$18,374Other retirement accounts
$51Corporate trust and agency accounts
$0Other fiduciary accounts
$17,670Fiduciary accounts held in foreign offices

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10787	First Financial Bank, National Association	201 Elm Street, Sweetwater, TX 79556	January 03, 1948	Full Service Brick and Mortar
2	9960	First And Concho Branch	North First And Concho, Roby, TX 79543	October 16, 1939	Full Service Brick and Mortar
3	260219	Trent Branch	125 North Main, Trent, TX 79561	December 15, 1993	Full Service Brick and Mortar
4	480122	Merkel Branch	301 Edwards, Merkel, TX 79536	August 01, 2008	Full Service Brick and Mortar

First Financial Bank, National Association in Sweetwater, 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)

Total Fiduciary and Related Assets (December 31, 2003)

List of branches

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

First Financial Bank, National Association in Sweetwater, 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)

Total Fiduciary and Related Assets (December 31, 2003)

List of branches

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

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