First Financial Bank, National Association Cleburne

First Financial Bank, National Association Cleburne is headquartered in Cleburne and is the 157^th largest bank in the state of Texas. It is also the 2,065^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 68 employees at 7 locations. First Financial Bank, National Association Cleburne has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Financial Bank, National Association FDIC Certificate # 3141 BankRate Report View Year Established 1927 Employees 68 Primary Regulator OCC Assets and Liabilities Assets $315.71 million Loans $151.56 million Deposits $280.27 million Equity Capital $29.40 million Loan Loss Allowance $4.12 million Unbacked Noncurrent Loans $3.72 million Real Estate Owned $23,000 Historic Data - March 2011 Assets $284.36 million Equity Capital $25.97 million Loan Loss Allowance $3.12 million Unbacked Noncurrent Loans $361,000 Real Estate Owned $707,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 1.33% Return on Equity 14.19% Interest Income $3.13 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Financial Bank, National Association Cleburne had $3.75 million in non-current loans and owned real-estate with $33.52 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank, National Association Cleburne a Texas Ratio of 11.18% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Financial Bank, National Association Cleburne increased slightly from 3.67% as of March 31, 2011 to 11.18% as of March 31, 2012, resulting in a negative change of 204.42%. This indicates that the balance sheet and financial strength for First Financial Bank, National Association Cleburne has declined slightly in recent periods. Deposit Growth In the past year, First Financial Bank, National Association Cleburne has increased its total deposits by $25.71 million, resulting in 10.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Financial Bank, National Association Cleburne has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Financial Bank, National Association Cleburne has $315.71 million in assets with $33.52 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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