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Letter portraitLegal landscapeQuarterYTD

First Financial Bank, National Association

Cleburne, TX · Cert 3141

FDIC

Q3 2012

$323.4MAssets
$164.2MLoans
$287.8MDeposits
$31.1MEquity
Loan mix
70%RE $94.0M14%C&I $18.1M16%Consumer $22.0MQ4 2010Q3 2012
Deposit mix
69%Interest-bearing $198.1M31%Noninterest $89.7MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 1.38%, up 6 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 57.07% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

1.38%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-24 bps YoY

Efficiency Ratio (YTD, annualized)

61.65%+165 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.53%Q3 ’104.28%Q3 ’113.97%Q3 ’12-1%-6%

Non-interest income vs. expense

3.26%Q3 ’103.33%Q3 ’113.06%Q3 ’12+2%+4%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.95%1.34%1.29%1.32%1.37%1.33%1.38%1.38%+6 bps
Return on Equity10.52%14.80%13.91%14.06%14.56%14.19%14.73%14.68%+62 bps
Net Interest Margin4.05%4.14%4.14%4.08%4.00%3.94%3.85%3.84%-24 bps
Efficiency Ratio59.84%60.63%61.19%60.00%59.94%60.42%61.10%61.65%+165 bps
Non-Interest Burden1.88%1.92%1.97%1.87%1.83%1.94%1.91%1.94%+7 bps
Growth
Asset Growth (YoY)1.60%-0.02%4.19%5.31%11.01%11.03%14.69%10.62%+531 bps
Loan Growth (YoY)1.95%-2.69%3.03%6.47%10.32%11.41%15.34%11.84%+538 bps
Deposit Growth (YoY)0.94%-0.99%4.40%6.42%11.19%10.10%12.23%10.25%+383 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.73%0.09%0.57%0.37%0.13%-0.02%0.10%0.09%-29 bps
Allowance / Loans2.01%2.23%2.21%2.45%2.54%2.65%2.48%2.48%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital15.13%15.26%15.62%14.90%14.83%14.84%14.69%15.23%+32 bps
Equity / Assets9.04%9.13%9.66%9.71%9.39%9.31%9.37%9.63%-8 bps
Liquidity & Funding
Loans / Deposits55.81%54.89%56.37%56.26%55.37%55.55%57.93%57.07%+81 bps
Liquid Assets / Assets8.16%6.09%4.76%2.89%2.72%3.37%1.33%1.71%-118 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a