First Financial Bank, National Association in city_name, state_name

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

First Financial Bank, National Association - Overview

General
FDIC Certificate #: 3141
Status: Active
Federal Reserve ID: 860156
Bank Holding Company (Regulatory Top Holder): First Financial Bankshares, Inc. (RSSDID: 1102312, Location: Abilene, TX)
Date Established: July 02, 1927
WWW: http://www.firstmybank.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 #: 2011
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: January 01, 1934
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: 403 North Main Street, Cleburne, TX 76031
County: Johnson
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
Metropolitan Statistical Area (MSA): Fort Worth-Arlington, TX (#2800)
Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
Core Based Statistical Division: Fort Worth-Arlington, TX (#23104)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $308.6 mil
Equity capital: $29.0 mil
Deposits held in domestic offices: $278.3 mil
Return on assets (ROA): 1.37% ($4.2 mil)
Quarterly return on assets: 1.52% ($4.7 mil)
Return on Equity (ROE): 14.56% ($4.2 mil)
Quarterly return on equity: 15.88% ($4.6 mil)
Net income: $4.0 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.76% ($5,431.1 mil)
Quarterly Pretax return on assets: 2.01% ($6,202.5 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
71Total employees (full-time equivalent)
$308,584Total assets
$15,747Cash and due from depository institutions
$7,045Interest-bearing balances
$128,561Securities
$0Federal funds sold & reverse repurchase agreements
$150,212Net loans & leases
$3,913Loan loss allowance
$0Trading account assets
$10,786Bank premises and fixed assets
$174Other real estate owned
$313Goodwill and other intangibles
$308,584Life insurance assets
$2,791All other assets
$279,594Total liabilities and capital
$278,334Total liabilities
$200,443Total deposits
$278,334Interest-bearing deposits
$78Deposits held in domestic offices
126.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,134Subordinated debt
$28,990All other liabilities
$28,990Total equity capital
$28,990Total bank equity capital
$0Perpetual preferred stock
$818Common stock
$9,003Surplus
$19,169Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,967Income earned, not collected on loans
$0Earning assets
$1,619Long-term assets (5+ years)
$285,818Average Assets, year-to-date
$97,908Average Assets, quarterly
$289,230Volatile liabilities
$300,483Insider loans
$191,490FHLB advances
$293,278Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,975Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$27,970Restructured Loans and leases
$7,132Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,301Total interest income
$553Total interest expense
$11,748Net interest income
$1,315Provision for loan and lease losses
$4,130Total noninterest income
$0Fiduciary activities
$1,876Service charges on deposit accounts
$0Trading account gains & fees
$2,254Additional noninterest income
$9,517Total noninterest expense
$3,957Salaries and employee benefits
$1,441Premises and equipment expense
$4,119Additional noninterest expense
$5,046Pre-tax net operating income
$48Securities gains (losses)
$1,140Applicable income taxes
$3,954Income before extraordinary items
$0Extraordinary gains - net
$3,954Net income attributable to bank
$0Net charge-offs
$3,954Cash dividends
$205Sale, conversion, retirement of capital stock, net
$1,900Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.58%Yield on earning assets
0.21%Cost of funding earning assets
4.38%Net interest margin
1.54%Noninterest income to earning assets
3.55%Noninterest expense to earning assets
1.35%Net operating income to assets
1.37%Return on assets (ROA)
1.76%Pretax return on assets
14.56%Return on equity (ROE)
7.56%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
641.46%Credit loss provision to net charge-offs
31.03%Efficiency ratio
59,938Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.05%Loss allowance to loans
2.54%Loss allowance to noncurrent loans
98.64%Noncurrent assets plus other real estate owned to assets
1.34%Noncurrent loans to loans
2.57%Net loans and leases to deposits
53.97%Net loans and leases to core deposits
57.18%Equity capital to assets
9.39%Core capital (leverage) ratio
8.86%Tier 1 risk-based capital ratio
13.56%Total risk-based capital ratio
Memoranda
$15Average assets
$289,230Average earning assets
$27,156Average equity
$268,385Average loans

List of branches

7 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2011	First Financial Bank, National Association	403 North Main Street, Cleburne, TX 76031	July 02, 1927	Full Service Brick and Mortar
2	196100	Drive-In Branch	403 North Main & Herd Street, Cleburne, TX 76031	July 31, 1976	Limited Service Facility
4	196101	Burleson Branch	1900 Southwest Wilshire, Burleson, TX 76028	Febuary 03, 1997	Full Service Brick and Mortar
5	16156	Cleburne Branch	200 North Ridgeway Drive, Cleburne, TX 76031	March 10, 1980	Full Service Brick and Mortar
7	255861	Alvarado Branch	200 East Highway 67, Alvarado, TX 76009	August 14, 1996	Full Service Brick and Mortar
8	452956	Midlothian Branch	1490 East Main Street, Midlothian, TX 76065	September 06, 2005	Full Service Brick and Mortar
9	521786	Crowley Branch	816 South Crowley Road, Crowley, TX 76036	October 15, 2010	Full Service Brick and Mortar

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