First Financial Bank, National Association Stephenville

First Financial Bank, National Association Stephenville is headquartered in Stephenville and is the 133^rd largest bank in the state of Texas. It is also the 1,755^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 70 employees at 7 locations. First Financial Bank, National Association Stephenville has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Financial Bank, National Association FDIC Certificate # 34320 BankRate Report View Year Established 1997 Employees 70 Primary Regulator OCC Assets and Liabilities Assets $378.28 million Loans $211.36 million Deposits $320.52 million Equity Capital $46.26 million Loan Loss Allowance $4.27 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $1.08 million Historic Data - March 2011 Assets $336.56 million Equity Capital $44.29 million Loan Loss Allowance $4.24 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $1.59 million Profit Margin - Quarterly Net Interest Margin 4.63% Return on Assets 1.83% Return on Equity 14.66% Interest Income $3.93 million

Institution Health Overall Score: 5 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 Stephenville had $2.84 million in non-current loans and owned real-estate with $50.53 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank, National Association Stephenville a Texas Ratio of 5.62% which is excellent. 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 Stephenville held steady from 5.24% as of March 31, 2011 to 5.62% as of March 31, 2012, resulting in a negative change of 7.21%. This indicates that the balance sheet and financial strength for First Financial Bank, National Association Stephenville has held steady in recent periods. Deposit Growth In the past year, First Financial Bank, National Association Stephenville has increased its total deposits by $38.08 million, resulting in 13.48% 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 Stephenville 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 Stephenville has $378.28 million in assets with $50.53 million in equity, resulting in a capitalization level of 13.36%, which is excellent.

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