0000950170-23-054222.txt : 20231020 0000950170-23-054222.hdr.sgml : 20231020 20231019173448 ACCESSION NUMBER: 0000950170-23-054222 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20231019 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231020 DATE AS OF CHANGE: 20231019 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST FINANCIAL BANKSHARES INC CENTRAL INDEX KEY: 0000036029 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 750944023 STATE OF INCORPORATION: TX FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-07674 FILM NUMBER: 231335563 BUSINESS ADDRESS: STREET 1: 400 PINE STREET CITY: ABILENE STATE: TX ZIP: 79601 BUSINESS PHONE: 325.627.7167 MAIL ADDRESS: STREET 1: P.O. BOX 701 CITY: ABILENE STATE: TX ZIP: 79604 8-K 1 ffin-20231019.htm 8-K 8-K
false000003602900000360292023-10-192023-10-19

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

 

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of Earliest Event Reported): October 19, 2023

 

 

First Financial Bankshares, Inc.

(Exact name of registrant as specified in its Charter)

 

 

Texas

0-07674

75-0944023

(State or other jurisdiction of

incorporation or organization)

(Commission
File No.)

(I.R.S. Employer

Identification No.)

 

 

400 Pine Street, Abilene, Texas 79601

 

 

(Address of Principal Executive Offices and Zip Code)

 

 

 

Registrant’s Telephone Number (325) 627-7155

 

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 203.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2 (b))

☐

 

Pre-commencement communications pursuant to Rule 13e-4 (c) under the Exchange Act (17 CFR 240.13 e-4 (c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

 

Trading
Symbol(s)

 

Name of each exchange
on which registered

Common Stock, $0.01 par value

 

FFIN

 

The Nasdaq Global Select Market

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

 

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

 

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

 

Attached as an exhibit to this Form 8-K is the earnings release for the quarter ended September 30, 2023 of First Financial Bankshares, Inc.

 

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

 

99.1 Press Release dated October 19, 2023

104 Cover Page Interactive Data File (embedded within Inline XBRL document)

 

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

 

 

(Registrant)

 

 

 

DATE: October 19, 2023

By:

/s/ F. Scott Dueser

 

 

F. SCOTT DUESER

 

 

Chairman, President and Chief Executive Officer

 

 

 

 

 

 EX-99.1 2 ffin-ex99_1.htm EX-99.1 EX-99.1

 

For immediate release

For More Information:

Michelle S. Hickox, EVP & Chief Financial Officer 325.627.7155

 

FIRST FINANCIAL BANKSHARES ANNOUNCES THIRD QUARTER 2023 EARNINGS

ABILENE, Texas, October 19, 2023 - First Financial Bankshares, Inc. (the “Company,” “we,” “us” or “our”) (NASDAQ: FFIN) today reported earnings of $49.56 million for the third quarter of 2023 compared to earnings of $50.87 million for the second quarter of 2023 and $59.34 million for the same quarter a year ago. Diluted earnings per share were $0.35 for the third quarter of 2023 compared with $0.36 for the second quarter of 2023 and $0.41 for the third quarter of 2022. During the third quarter of 2023, the Company repurchased 101,337 shares of its common stock at an average price of $26.99. Currently, the Company has 4.90 million shares remaining under the share repurchase authorization through July 31, 2024.

“Due to our strong liquidity, capital levels and some banks who don’t have the liquidity to serve their loan customers, we have had the ability to add good loan and deposit customers at favorable terms in the current environment,” said F. Scott Dueser, Chairman, CEO and President of First Financial Bankshares, Inc. “We are encouraged that deposit balances have remained fairly stable this year and we continue to have significant net new account growth. Moving forward, we will continue our disciplined approach of managing our balance sheet, reducing expenses and maximizing efficiencies. The monthly maturities off our bond and loan portfolios are providing us with the needed liquidity to grow loans which will improve our interest income as we go forward. As always, we appreciate the continued support of our customers, shareholders, and associates,” Dueser added.

Net interest income for the third quarter of 2023 was $94.15 million compared to $95.87 million in the second quarter of 2023 and $103.16 million for the third quarter of 2022. The net interest margin, on a taxable equivalent basis, was 3.22 percent for the third quarter of 2023 compared to 3.29 percent for the second quarter of 2023 and 3.38 percent in the third quarter of 2022. Average interest-earning assets were $11.96 billion for the third quarter of 2023 compared to $12.54 billion for the same quarter a year ago.

The Company recorded a provision for credit losses of $2.28 million for the third quarter of 2023 compared to a provision for credit losses of $3.22 million for the third quarter of 2022. At September 30, 2023, the allowance for credit losses totaled $89.71 million, or 1.28 percent of loans held-for-investment (“loans” hereafter), compared to $74.11 million at September 30, 2022, or 1.18 percent of loans. Additionally, the reserve for unfunded commitments totaled $7.90 million at September 30, 2023 compared to $10.88 million at September 30, 2022.

For the third quarter of 2023, net charge-offs totaled $648 thousand compared to net recoveries of $1.12 million for the third quarter of 2022. Nonperforming assets as a percentage of loans and foreclosed assets totaled 0.57 percent at September 30, 2023, compared to 0.39 percent at September 30, 2022. Classified loans totaled $179.11 million at September 30, 2023, compared to $143.72 million at September 30, 2022.

Noninterest income for the third quarter of 2023 was $28.07 million compared to $30.94 million for the third quarter of 2022, largely due to the following:

•
Debit card fees decreased by $546 thousand for the third quarter of 2023 compared to the same quarter a year ago. The decrease was due to the recognition of $988 thousand of volume incentive income in the third quarter of 2022 compared to $375 thousand in the third quarter of 2023.
•
Mortgage income declined to $3.44 million for the third quarter of 2023 compared to $4.07 million for the third quarter of 2022 due to lower overall origination volume and margins primarily because of the continued increase in mortgage interest rates.

 

 

•
Available-for-sale securities totaling $113.13 million with an average book yield of 3.53 percent were sold in the third quarter of 2023 resulting in a loss on sales of securities of $972 thousand compared to a gain on sales of securities of $334 thousand in the third quarter of 2022. The proceeds from the sales of these securities are being used to fund organic loan growth that is yielding around 8 percent, resulting in an anticipated earn back period of less than 6 months.
•
Recoveries of interest on previously charged-off or nonaccrual loans totaled $698 thousand for the third quarter of 2023 compared to $664 thousand for the third quarter of 2022.
•
Service charges on deposits increased to $6.51 million for the third quarter of 2023 compared with $6.40 million for the third quarter of 2022, driven by the growth in net new accounts.

Noninterest expense for the third quarter of 2023 totaled $59.54 million compared to $59.44 million for the third quarter of 2022, with the following variances:

•
Salary, commissions, and employee benefit costs decreased to $32.94 million for the third quarter of 2023, compared to $33.89 million in the third quarter of 2022 primarily resulting from a decrease of $583 thousand in profit sharing expense and $121 thousand in mortgage incentives.
•
Noninterest expenses, excluding salary related costs, increased $1.05 million for the third quarter of 2023 compared to the same period in 2022 largely due to an increase of $656 thousand in FDIC insurance fees and an increase of $403 thousand in legal and professional fees.

The Company’s efficiency ratio was 47.62 percent for the third quarter of 2023 compared to 43.10 percent for the third quarter of 2022. The increase was driven by the decrease in net interest income from the prior year.

As of September 30, 2023, consolidated total assets were $12.78 billion compared to $13.11 billion at September 30, 2022. Loans totaled $6.99 billion at September 30, 2023, compared with loans of $6.26 billion at September 30, 2022. During the third quarter of 2023, loans grew $217.14 million, or 12.71 percent annualized, when compared to June 30, 2023 balances. Deposits totaled $10.72 billion at September 30, 2023, compared to $11.14 billion at September 30, 2022.

Shareholders’ equity was $1.24 billion as of September 30, 2023, compared to $1.37 billion and $1.13 billion at June 30, 2023, and September 30, 2022, respectively, primarily as a result of changes in Other Comprehensive Income (“OCI”) due to interest rate changes over the past year. The unrealized loss on the securities portfolio, net of applicable tax, totaled $639.93 million at September 30, 2023, compared to an unrealized loss of $490.28 million at June 30, 2023 and $632.42 million at September 30, 2022.

 

 

 


 

About First Financial Bankshares, Inc.

Headquartered in Abilene, Texas, First Financial Bankshares is a financial holding company that through its wholly-owned subsidiary, First Financial Bank, N.A., operates multiple banking regions with 80 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Lumberton, Keller, Kingwood, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Spring, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. The Company also operates First Financial Trust and Asset Management Company, N.A., with nine locations and First Technology Services, Inc., a technology operating company.

The Company is listed on The NASDAQ Global Select Market under the trading symbol FFIN. For more information about First Financial, please visit our website at https://www.ffin.com.

####

Certain statements contained herein may be considered “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of the Company's management, as well as assumptions made beyond information currently available to the Company's management, and may be, but not necessarily are, identified by such words as “expect,” “plan,” “anticipate,” “target,” “forecast,” “project,” and “goal.” Because such “forward-looking statements” are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company’s expectations include competition from other financial institutions and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; economic impact of oil and gas prices and the pandemic, changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and integration of acquired businesses, and similar variables. Other key risks are described in the Company’s reports filed with the Securities and Exchange Commission, which may be obtained under “Investor Relations-Documents and Filings” on the Company’s Website or by writing or calling the Company at 325.627.7155. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)

(In thousands, except share and per share data)

 

 

As of

 

2023

 

 

 

2022

 

 

ASSETS

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

Cash and due from banks

$

 

208,277

 

 

$

 

255,018

 

 

$

 

224,875

 

 

$

 

293,286

 

 

$

 

227,298

 

 

Interest-bearing demand deposits in banks

 

 

180,008

 

 

 

 

23,839

 

 

 

 

221,336

 

 

 

 

37,392

 

 

 

 

138,484

 

 

Investment securities

 

 

4,652,537

 

 

 

 

5,066,262

 

 

 

 

5,298,557

 

 

 

 

5,474,359

 

 

 

 

5,745,443

 

 

Loans, held-for-investment, excluding PPP Loans

 

 

6,994,574

 

 

 

 

6,777,429

 

 

 

 

6,576,060

 

 

 

 

6,441,699

 

 

 

 

6,255,286

 

 

PPP loans

 

 

122

 

 

 

 

141

 

 

 

 

155

 

 

 

 

169

 

 

 

 

202

 

 

Total loans, held-for-investment

 

 

6,994,696

 

 

 

 

6,777,570

 

 

 

 

6,576,215

 

 

 

 

6,441,868

 

 

 

 

6,255,488

 

 

Allowance for credit losses

 

 

(89,714

)

 

 

 

(86,541

)

 

 

 

(80,818

)

 

 

 

(75,834

)

 

 

 

(74,108

)

 

Net loans, held-for-investment

 

 

6,904,982

 

 

 

 

6,691,029

 

 

 

 

6,495,397

 

 

 

 

6,366,034

 

 

 

 

6,181,380

 

 

Loans, held-for-sale

 

 

12,229

 

 

 

 

19,220

 

 

 

 

11,996

 

 

 

 

11,965

 

 

 

 

18,815

 

 

Premises and equipment, net

 

 

152,936

 

 

 

 

152,876

 

 

 

 

153,718

 

 

 

 

152,973

 

 

 

 

152,646

 

 

Goodwill

 

 

313,481

 

 

 

 

313,481

 

 

 

 

313,481

 

 

 

 

313,481

 

 

 

 

313,481

 

 

Other intangible assets

 

 

1,369

 

 

 

 

1,597

 

 

 

 

1,825

 

 

 

 

2,053

 

 

 

 

2,352

 

 

Other assets

 

 

351,599

 

 

 

 

302,115

 

 

 

 

286,801

 

 

 

 

322,523

 

 

 

 

330,445

 

 

Total assets

$

 

12,777,418

 

 

$

 

12,825,437

 

 

$

 

13,007,986

 

 

$

 

12,974,066

 

 

$

 

13,110,344

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing deposits

$

 

3,477,553

 

 

$

 

3,578,483

 

 

$

 

3,890,991

 

 

$

 

4,061,788

 

 

$

 

4,200,792

 

 

Interest-bearing deposits

 

 

7,238,970

 

 

 

 

7,229,077

 

 

 

 

7,045,427

 

 

 

 

6,943,719

 

 

 

 

6,941,326

 

 

Total deposits

 

 

10,716,523

 

 

 

 

10,807,560

 

 

 

 

10,936,418

 

 

 

 

11,005,507

 

 

 

 

11,142,118

 

 

Borrowings

 

 

751,544

 

 

 

 

587,656

 

 

 

 

632,927

 

 

 

 

642,507

 

 

 

 

774,581

 

 

Trade date payable

 

 

2,500

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

Other liabilities

 

 

66,741

 

 

 

 

62,988

 

 

 

 

65,788

 

 

 

 

60,315

 

 

 

 

61,030

 

 

Shareholders' equity

 

 

1,240,110

 

 

 

 

1,367,233

 

 

 

 

1,372,853

 

 

 

 

1,265,737

 

 

 

 

1,132,615

 

 

Total liabilities and shareholders' equity

$

 

12,777,418

 

 

$

 

12,825,437

 

 

$

 

13,007,986

 

 

$

 

12,974,066

 

 

$

 

13,110,344

 

 

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

INCOME STATEMENTS

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

Interest income

$

 

135,351

 

 

$

 

129,005

 

 

$

 

121,508

 

 

$

 

121,137

 

 

$

 

112,728

 

 

Interest expense

 

 

41,202

 

 

 

 

33,139

 

 

 

 

25,222

 

 

 

 

17,100

 

 

 

 

9,572

 

 

Net interest income

 

 

94,149

 

 

 

 

95,866

 

 

 

 

96,286

 

 

 

 

104,037

 

 

 

 

103,156

 

 

Provision for credit losses

 

 

2,276

 

 

 

 

5,573

 

 

 

 

2,781

 

 

 

 

4,075

 

 

 

 

3,221

 

 

Net interest income after provision for credit losses

 

 

91,873

 

 

 

 

90,293

 

 

 

 

93,505

 

 

 

 

99,962

 

 

 

 

99,935

 

 

Noninterest income

 

 

28,070

 

 

 

 

29,947

 

 

 

 

28,007

 

 

 

 

28,524

 

 

 

 

30,943

 

 

Noninterest expense

 

 

59,539

 

 

 

 

57,613

 

 

 

 

57,256

 

 

 

 

57,778

 

 

 

 

59,442

 

 

Net income before income taxes

 

 

60,404

 

 

 

 

62,627

 

 

 

 

64,256

 

 

 

 

70,708

 

 

 

 

71,436

 

 

Income tax expense

 

 

10,848

 

 

 

 

11,754

 

 

 

 

11,688

 

 

 

 

12,040

 

 

 

 

12,095

 

 

Net income

$

 

49,556

 

 

$

 

50,873

 

 

$

 

52,568

 

 

$

 

58,668

 

 

$

 

59,341

 

 

 

PER COMMON SHARE DATA

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income - basic

$

 

0.35

 

 

$

 

0.36

 

 

$

 

0.37

 

 

$

 

0.41

 

 

$

 

0.42

 

 

Net income - diluted

 

 

0.35

 

 

 

 

0.36

 

 

 

 

0.37

 

 

 

 

0.41

 

 

 

 

0.41

 

 

Cash dividends declared

 

 

0.18

 

 

 

 

0.18

 

 

 

 

0.17

 

 

 

 

0.17

 

 

 

 

0.17

 

 

Book value

 

 

8.69

 

 

 

 

9.58

 

 

 

 

9.62

 

 

 

 

8.87

 

 

 

 

7.94

 

 

Tangible book value

 

 

6.48

 

 

 

 

7.37

 

 

 

 

7.41

 

 

 

 

6.66

 

 

 

 

5.73

 

 

Market value

 

 

25.12

 

 

 

 

28.49

 

 

 

 

31.90

 

 

 

 

34.40

 

 

 

 

41.83

 

 

Shares outstanding - end of period

 

 

142,677,069

 

 

 

 

142,741,196

 

 

 

 

142,703,531

 

 

 

 

142,657,871

 

 

 

 

142,628,163

 

 

Average outstanding shares - basic

 

 

142,707,260

 

 

 

 

142,700,805

 

 

 

 

142,665,646

 

 

 

 

142,619,632

 

 

 

 

142,524,500

 

 

Average outstanding shares - diluted

 

 

143,149,373

 

 

 

 

143,087,555

 

 

 

 

143,066,011

 

 

 

 

143,071,538

 

 

 

 

143,126,088

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

PERFORMANCE RATIOS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 

1.53

 

%

 

 

1.58

 

%

 

 

1.65

 

%

 

 

1.76

 

%

 

 

1.76

 

%

Return on average equity

 

 

14.51

 

 

 

 

14.89

 

 

 

 

16.32

 

 

 

 

19.87

 

 

 

 

17.31

 

 

Return on average tangible equity

 

 

18.90

 

 

 

 

19.33

 

 

 

 

21.51

 

 

 

 

27.20

 

 

 

 

22.55

 

 

Net interest margin (tax equivalent)*

 

 

3.22

 

 

 

 

3.29

 

 

 

 

3.34

 

 

 

 

3.47

 

 

 

 

3.38

 

 

Efficiency ratio*

 

 

47.62

 

 

 

 

44.74

 

 

 

 

44.93

 

 

 

 

42.39

 

 

 

 

43.10

 

 

*Calculations have been adjusted to remove effect of TEFRA disallowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)

(In thousands, except share and per share data)

 

 

Nine Months Ended

 

Sept. 30,

INCOME STATEMENTS

 

2023

 

 

 

2022

 

 

Interest income

$

 

385,864

 

 

$

 

311,718

 

 

Interest expense

 

 

99,563

 

 

 

 

14,340

 

 

Net interest income

 

 

286,301

 

 

 

 

297,378

 

 

Provision for credit losses

 

 

10,631

 

 

 

 

13,353

 

 

Net interest income after provisions for credit losses

 

 

275,670

 

 

 

 

284,025

 

 

Noninterest income

 

 

86,025

 

 

 

 

103,141

 

 

Noninterest expense

 

 

174,407

 

 

 

 

177,000

 

 

Net income before income taxes

 

 

187,288

 

 

 

 

210,166

 

 

Income tax expense

 

 

34,291

 

 

 

 

34,359

 

 

Net income

$

 

152,997

 

 

$

 

175,807

 

 

 

 

 

 

 

 

 

 

 

PER COMMON SHARE DATA

 

 

 

 

 

 

 

 

Net income - basic

$

 

1.07

 

 

$

 

1.23

 

 

Net income - diluted

 

 

1.07

 

 

 

 

1.23

 

 

Cash dividends declared

 

 

0.53

 

 

 

 

0.49

 

 

Book value

 

 

8.69

 

 

 

 

7.94

 

 

Tangible book value

 

 

6.48

 

 

 

 

5.73

 

 

Market value

$

 

25.12

 

 

$

 

41.83

 

 

Shares outstanding - end of period

 

 

142,677,069

 

 

 

 

142,628,163

 

 

Average outstanding shares - basic

 

 

142,691,389

 

 

 

 

142,588,373

 

 

Average outstanding shares - diluted

 

 

143,042,858

 

 

 

 

143,246,768

 

 

 

 

 

 

 

 

 

 

 

PERFORMANCE RATIOS

 

 

 

 

 

 

 

 

Return on average assets

 

 

1.59

 

%

 

 

1.77

 

%

Return on average equity

 

 

15.22

 

 

 

 

15.88

 

 

Return on average tangible equity

 

 

19.88

 

 

 

 

20.20

 

 

Net interest margin (tax equivalent)*

 

 

3.28

 

 

 

 

3.30

 

 

Efficiency ratio*

 

 

45.75

 

 

 

 

42.94

 

 

*Calculation has been adjusted to remove effect of TEFRA disallowance

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

 

Quarter Ended

 

 

 

 

 

 

 

2023

 

 

 

 

 

 

 

2022

 

 

ALLOWANCE FOR LOAN LOSSES

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

Balance at beginning of period

$

 

86,541

 

 

$

 

80,818

 

 

$

 

75,834

 

 

$

 

74,108

 

 

$

 

71,932

 

 

Loans charged-off

 

 

(1,080

)

 

 

 

(1,118

)

 

 

 

(288

)

 

 

 

(1,225

)

 

 

 

(293

)

 

Loan recoveries

 

 

432

 

 

 

 

319

 

 

 

 

565

 

 

 

 

320

 

 

 

 

1,409

 

 

Net recoveries (charge-offs)

 

 

(648

)

 

 

 

(799

)

 

 

 

277

 

 

 

 

(905

)

 

 

 

1,116

 

 

Provision for loan losses

 

 

3,821

 

 

 

 

6,522

 

 

 

 

4,707

 

 

 

 

2,631

 

 

 

 

1,060

 

 

Balance at end of period

$

 

89,714

 

 

$

 

86,541

 

 

$

 

80,818

 

 

$

 

75,834

 

 

$

 

74,108

 

 

 

ALLOWANCE FOR UNFUNDED COMMITMENTS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance at beginning of period

$

 

9,448

 

 

$

 

10,397

 

 

$

 

12,323

 

 

$

 

10,879

 

 

$

 

8,718

 

 

Provision for unfunded commitments

 

 

(1,545

)

 

 

 

(949

)

 

 

 

(1,926

)

 

 

 

1,444

 

 

 

 

2,161

 

 

Balance at end of period

$

 

7,903

 

 

$

 

9,448

 

 

$

 

10,397

 

 

$

 

12,323

 

 

$

 

10,879

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses /

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

period-end loans held-for-investment

 

 

1.28

 

%

 

 

1.28

 

%

 

 

1.23

 

%

 

 

1.18

 

%

 

 

1.18

 

%

Allowance for loan losses /

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

nonperforming loans

 

 

229.44

 

 

 

 

296.13

 

 

 

 

334.06

 

 

 

 

311.75

 

 

 

 

301.02

 

 

Net charge-offs (recoveries) / average total loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(annualized)

 

 

0.04

 

 

 

 

0.05

 

 

 

 

(0.02

)

 

 

 

0.06

 

 

 

 

(0.07

)

 

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

COMPOSITION OF LOANS HELD-FOR-INVESTMENT

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

C&I

$

 

1,108,118

 

 

$

 

1,021,722

 

 

$

 

954,531

 

 

$

 

917,148

 

 

$

 

871,133

 

 

PPP

 

 

122

 

 

 

 

141

 

 

 

 

155

 

 

 

 

169

 

 

 

 

202

 

 

Municipal

 

 

218,358

 

 

 

 

215,977

 

 

 

 

221,379

 

 

 

 

221,090

 

 

 

 

214,852

 

 

Total Commercial

 

 

1,326,598

 

 

 

 

1,237,840

 

 

 

 

1,176,065

 

 

 

 

1,138,407

 

 

 

 

1,086,187

 

 

Agricultural

 

 

81,876

 

 

 

 

82,032

 

 

 

 

77,017

 

 

 

 

76,947

 

 

 

 

76,937

 

 

Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction & Development

 

 

929,570

 

 

 

 

915,221

 

 

 

 

921,190

 

 

 

 

959,426

 

 

 

 

938,051

 

 

Farm

 

 

341,052

 

 

 

 

335,644

 

 

 

 

307,706

 

 

 

 

306,322

 

 

 

 

268,139

 

 

Non-Owner Occupied CRE

 

 

828,900

 

 

 

 

811,347

 

 

 

 

737,117

 

 

 

 

732,089

 

 

 

 

717,738

 

 

Owner Occupied CRE

 

 

1,002,913

 

 

 

 

1,011,511

 

 

 

 

1,043,018

 

 

 

 

954,400

 

 

 

 

945,665

 

 

Residential

 

 

1,788,913

 

 

 

 

1,698,679

 

 

 

 

1,628,841

 

 

 

 

1,575,758

 

 

 

 

1,536,180

 

 

Total Real Estate

 

 

4,891,348

 

 

 

 

4,772,402

 

 

 

 

4,637,872

 

 

 

 

4,527,995

 

 

 

 

4,405,773

 

 

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

540,382

 

 

 

 

534,603

 

 

 

 

537,410

 

 

 

 

550,635

 

 

 

 

538,798

 

 

Non-Auto

 

 

154,492

 

 

 

 

150,693

 

 

 

 

147,851

 

 

 

 

147,884

 

 

 

 

147,793

 

 

Total Consumer

 

 

694,874

 

 

 

 

685,296

 

 

 

 

685,261

 

 

 

 

698,519

 

 

 

 

686,591

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans held-for-investment

$

 

6,994,696

 

 

$

 

6,777,570

 

 

$

 

6,576,215

 

 

$

 

6,441,868

 

 

$

 

6,255,488

 

 

 

SUMMARY OF LOAN CLASSIFICATION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Special Mention

$

 

60,939

 

 

$

 

66,960

 

 

$

 

65,141

 

 

$

 

49,382

 

 

$

 

43,149

 

 

Substandard

 

 

118,166

 

 

 

 

108,179

 

 

 

 

91,915

 

 

 

 

101,316

 

 

 

 

100,568

 

 

Doubtful

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

Total classified loans

$

 

179,105

 

 

$

 

175,139

 

 

$

 

157,056

 

 

$

 

150,698

 

 

$

 

143,717

 

 

 

NONPERFORMING ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonaccrual loans

$

 

38,812

 

 

$

 

28,672

 

 

$

 

24,171

 

 

$

 

24,325

 

 

$

 

24,604

 

 

Accruing loans 90 days past due

 

 

289

 

 

 

 

552

 

 

 

 

22

 

 

 

 

-

 

 

 

 

15

 

 

Total nonperforming loans

 

 

39,101

 

 

 

 

29,224

 

 

 

 

24,193

 

 

 

 

24,325

 

 

 

 

24,619

 

 

Foreclosed assets

 

 

597

 

 

 

 

25

 

 

 

 

196

 

 

 

 

-

 

 

 

 

-

 

 

Total nonperforming assets

$

 

39,698

 

 

$

 

29,249

 

 

$

 

24,389

 

 

$

 

24,325

 

 

$

 

24,619

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As a % of loans held-for-investment and foreclosed assets

 

 

0.57

 

%

 

 

0.43

 

%

 

 

0.37

 

%

 

 

0.38

 

%

 

 

0.39

 

%

As a % of end of period total assets

 

 

0.31

 

 

 

 

0.23

 

 

 

 

0.19

 

 

 

 

0.19

 

 

 

 

0.19

 

 

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

CAPITAL RATIOS

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

Common equity Tier 1 capital ratio

 

 

18.35

 

%

 

 

18.48

 

%

 

 

18.68

 

%

 

 

18.22

 

%

 

 

18.03

 

%

Tier 1 capital ratio

 

 

18.35

 

 

 

 

18.48

 

 

 

 

18.68

 

 

 

 

18.22

 

 

 

 

18.03

 

 

Total capital ratio

 

 

19.49

 

 

 

 

19.62

 

 

 

 

19.79

 

 

 

 

19.29

 

 

 

 

19.07

 

 

Tier 1 leverage ratio

 

 

12.00

 

 

 

 

11.81

 

 

 

 

11.53

 

 

 

 

10.96

 

 

 

 

10.79

 

 

Tangible common equity ratio

 

 

7.42

 

 

 

 

8.41

 

 

 

 

8.33

 

 

 

 

7.51

 

 

 

 

6.38

 

 

Equity/Assets ratio

 

 

9.71

 

 

 

 

10.66

 

 

 

 

10.55

 

 

 

 

9.76

 

 

 

 

8.64

 

 

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

NONINTEREST INCOME

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

Trust fees

$

 

10,050

 

 

$

 

9,883

 

 

$

 

9,845

 

 

$

 

10,122

 

 

$

 

10,314

 

 

Service charges on deposits

 

 

6,509

 

 

 

 

6,310

 

 

 

 

6,036

 

 

 

 

6,397

 

 

 

 

6,399

 

 

Debit card fees

 

 

5,041

 

 

 

 

6,720

 

 

 

 

4,936

 

 

 

 

5,899

 

 

 

 

5,587

 

 

Credit card fees

 

 

694

 

 

 

 

711

 

 

 

 

609

 

 

 

 

632

 

 

 

 

651

 

 

Gain on sale and fees on mortgage loans

 

 

3,442

 

 

 

 

3,534

 

 

 

 

2,974

 

 

 

 

2,904

 

 

 

 

4,070

 

 

Net gain (loss) on sale of available-for-sale securities

 

 

(972

)

 

 

 

46

 

 

 

 

12

 

 

 

 

131

 

 

 

 

334

 

 

Net gain (loss) on sale of foreclosed assets

 

 

(10

)

 

 

 

(1

)

 

 

 

34

 

 

 

 

-

 

 

 

 

349

 

 

Net gain (loss) on sale of assets

 

 

696

 

 

 

 

-

 

 

 

 

930

 

 

 

 

(2

)

 

 

 

526

 

 

Interest on loan recoveries

 

 

698

 

 

 

 

475

 

 

 

 

346

 

 

 

 

244

 

 

 

 

664

 

 

Other noninterest income

 

 

1,922

 

 

 

 

2,269

 

 

 

 

2,285

 

 

 

 

2,197

 

 

 

 

2,049

 

 

Total noninterest income

$

 

28,070

 

 

$

 

29,947

 

 

$

 

28,007

 

 

$

 

28,524

 

 

$

 

30,943

 

 

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries, commissions and employee benefits, excluding profit sharing

$

 

32,755

 

 

$

 

31,796

 

 

$

 

31,431

 

 

$

 

32,391

 

 

$

 

33,129

 

 

Profit sharing expense

 

 

180

 

 

 

 

(30

)

 

 

 

30

 

 

 

 

565

 

 

 

 

763

 

 

Net occupancy expense

 

 

3,565

 

 

 

 

3,423

 

 

 

 

3,430

 

 

 

 

3,350

 

 

 

 

3,440

 

 

Equipment expense

 

 

2,200

 

 

 

 

2,198

 

 

 

 

2,127

 

 

 

 

2,053

 

 

 

 

2,396

 

 

FDIC insurance premiums

 

 

1,573

 

 

 

 

1,417

 

 

 

 

1,654

 

 

 

 

1,021

 

 

 

 

917

 

 

Debit card expense

 

 

3,284

 

 

 

 

3,221

 

 

 

 

3,199

 

 

 

 

3,054

 

 

 

 

3,013

 

 

Legal, tax and professional fees

 

 

3,007

 

 

 

 

2,847

 

 

 

 

2,687

 

 

 

 

2,814

 

 

 

 

2,604

 

 

Audit fees

 

 

551

 

 

 

 

563

 

 

 

 

540

 

 

 

 

451

 

 

 

 

451

 

 

Printing, stationery and supplies

 

 

512

 

 

 

 

740

 

 

 

 

710

 

 

 

 

473

 

 

 

 

600

 

 

Amortization of intangible assets

 

 

228

 

 

 

 

228

 

 

 

 

228

 

 

 

 

299

 

 

 

 

306

 

 

Advertising, meals and public relations

 

 

1,622

 

 

 

 

1,789

 

 

 

 

1,475

 

 

 

 

1,646

 

 

 

 

1,692

 

 

Operational and other losses

 

 

959

 

 

 

 

856

 

 

 

 

931

 

 

 

 

982

 

 

 

 

869

 

 

Software amortization and expense

 

 

2,441

 

 

 

 

2,519

 

 

 

 

2,311

 

 

 

 

2,420

 

 

 

 

2,564

 

 

Other noninterest expense

 

 

6,662

 

 

 

 

6,046

 

 

 

 

6,503

 

 

 

 

6,259

 

 

 

 

6,698

 

 

Total noninterest expense

$

 

59,539

 

 

$

 

57,613

 

 

$

 

57,256

 

 

$

 

57,778

 

 

$

 

59,442

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TAX EQUIVALENT YIELD ADJUSTMENT *

$

 

2,823

 

 

$

 

2,950

 

 

$

 

3,131

 

 

$

 

3,751

 

 

$

 

3,807

 

 

*Calculations have been adjusted to remove effect of TEFRA disallowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

 

Nine Months Ended

 

 

Sept. 30,

 

 

NONINTEREST INCOME

 

2023

 

 

 

2022

 

 

Trust fees

$

 

29,778

 

 

$

 

29,873

 

 

Service charges on deposits

 

 

18,855

 

 

 

 

18,143

 

 

Debit card fees

 

 

16,697

 

 

 

 

24,381

 

 

Credit card fees

 

 

2,014

 

 

 

 

1,953

 

 

Gain on sale and fees on mortgage loans

 

 

9,950

 

 

 

 

16,131

 

 

Net gain (loss) on sale of available-for-sale securities

 

 

(914

)

 

 

 

2,013

 

 

Net gain on sale of foreclosed assets

 

 

23

 

 

 

 

1,451

 

 

Net gain on sale of assets

 

 

1,626

 

 

 

 

522

 

 

Interest on loan recoveries

 

 

1,519

 

 

 

 

2,596

 

 

Other noninterest income

 

 

6,477

 

 

 

 

6,078

 

 

Total noninterest income

$

 

86,025

 

 

$

 

103,141

 

 

 

 

 

 

 

 

 

 

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

Salaries, commissions and employee benefits, excluding profit sharing

$

 

95,982

 

 

$

 

97,509

 

 

Profit sharing expense

 

 

180

 

 

 

 

3,668

 

 

Net occupancy expense

 

 

10,418

 

 

 

 

9,957

 

 

Equipment expense

 

 

6,525

 

 

 

 

6,999

 

 

FDIC insurance premiums

 

 

4,644

 

 

 

 

2,690

 

 

Debit card expense

 

 

9,704

 

 

 

 

9,177

 

 

Legal, tax and professional fees

 

 

8,541

 

 

 

 

8,074

 

 

Audit fees

 

 

1,654

 

 

 

 

1,352

 

 

Printing, stationery and supplies

 

 

1,962

 

 

 

 

1,641

 

 

Amortization of intangible assets

 

 

684

 

 

 

 

946

 

 

Advertising, meals and public relations

 

 

4,886

 

 

 

 

4,739

 

 

Operational and other losses

 

 

2,746

 

 

 

 

2,247

 

 

Software amortization and expense

 

 

7,271

 

 

 

 

7,543

 

 

Other noninterest expense

 

 

19,210

 

 

 

 

20,458

 

 

Total noninterest expense

$

 

174,407

 

 

$

 

177,000

 

 

 

 

 

 

 

 

 

 

 

TAX EQUIVALENT YIELD ADJUSTMENT *

$

 

8,903

 

 

$

 

11,671

 

 

*Calculations have been adjusted to remove effect of TEFRA disallowance

 

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

 

Three Months Ended

 

 

 

Three Months Ended

 

Sept. 30, 2023

 

 

 

June 30, 2023

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold

$

 

2,383

 

 

$

 

35

 

 

 

 

5.79

 

%

 

 

 

$

 

2,242

 

 

$

 

30

 

 

 

 

5.45

 

%

Interest-bearing demand deposits in nonaffiliated banks

 

 

55,231

 

 

 

 

757

 

 

 

 

5.44

 

 

 

 

 

 

 

119,168

 

 

 

 

1,553

 

 

 

 

5.23

 

 

Taxable securities

 

 

3,429,290

 

 

 

 

19,425

 

 

 

 

2.27

 

 

 

 

 

 

 

3,589,381

 

 

 

 

20,032

 

 

 

 

2.23

 

 

Tax-exempt securities

 

 

1,578,660

 

 

 

 

11,085

 

 

 

 

2.81

 

 

 

 

 

 

 

1,653,418

 

 

 

 

11,799

 

 

 

 

2.85

 

 

Loans

 

 

6,894,064

 

 

 

 

106,872

 

 

 

 

6.15

 

 

 

 

 

 

 

6,683,276

 

 

 

 

98,541

 

 

 

 

5.91

 

 

Total interest-earning assets

 

 

11,959,628

 

 

$

 

138,174

 

 

 

 

4.58

 

%

 

 

 

 

 

12,047,485

 

 

$

 

131,955

 

 

 

 

4.39

 

%

Noninterest-earning assets

 

 

850,855

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

842,284

 

 

 

 

 

 

 

 

 

 

Total assets

$

 

12,810,483

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

12,889,769

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 

7,259,252

 

 

$

 

36,165

 

 

 

 

1.98

 

%

 

 

 

$

 

7,037,677

 

 

$

 

27,629

 

 

 

 

1.57

 

%

Borrowings

 

 

621,188

 

 

 

 

5,037

 

 

 

 

3.22

 

 

 

 

 

 

 

715,071

 

 

 

 

5,510

 

 

 

 

3.09

 

 

Total interest-bearing liabilities

 

 

7,880,440

 

 

$

 

41,202

 

 

 

 

2.07

 

%

 

 

 

 

 

7,752,748

 

 

$

 

33,139

 

 

 

 

1.71

 

%

Noninterest-bearing deposits

 

 

3,509,809

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3,704,143

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

65,094

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

62,227

 

 

 

 

 

 

 

 

 

 

Shareholders' equity

 

 

1,355,140

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1,370,651

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

 

12,810,483

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

12,889,769

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income and margin (tax equivalent)

 

 

 

 

$

 

96,972

 

 

 

 

3.22

 

%

 

 

 

 

 

 

 

$

 

98,816

 

 

 

 

3.29

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended

 

 

 

Three Months Ended

 

Mar. 31, 2023

 

 

 

Dec. 31, 2022

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold

$

 

2,507

 

 

$

 

32

 

 

 

 

5.12

 

%

 

 

 

$

 

3,165

 

 

$

 

36

 

 

 

 

4.57

 

%

Interest-bearing demand deposits in nonaffiliated banks

 

 

143,542

 

 

 

 

1,618

 

 

 

 

4.57

 

 

 

 

 

 

 

160,200

 

 

 

 

1,579

 

 

 

 

3.91

 

 

Taxable securities

 

 

3,672,257

 

 

 

 

20,782

 

 

 

 

2.26

 

 

 

 

 

 

 

3,761,206

 

 

 

 

21,152

 

 

 

 

2.25

 

 

Tax-exempt securities

 

 

1,750,533

 

 

 

 

12,743

 

 

 

 

2.91

 

 

 

 

 

 

 

2,001,185

 

 

 

 

15,740

 

 

 

 

3.15

 

 

Loans

 

 

6,500,332

 

 

 

 

89,464

 

 

 

 

5.58

 

 

 

 

 

 

 

6,391,703

 

 

 

 

86,381

 

 

 

 

5.36

 

 

Total interest-earning assets

 

 

12,069,171

 

 

$

 

124,639

 

 

 

 

4.19

 

%

 

 

 

 

 

12,317,459

 

 

$

 

124,888

 

 

 

 

4.02

 

%

Noninterest-earning assets

 

 

863,342

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

891,972

 

 

 

 

 

 

 

 

 

 

Total assets

$

 

12,932,513

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

13,209,431

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 

7,080,518

 

 

$

 

21,812

 

 

 

 

1.25

 

%

 

 

 

$

 

6,871,315

 

 

$

 

13,123

 

 

 

 

0.76

 

%

Borrowings

 

 

625,137

 

 

 

 

3,410

 

 

 

 

2.21

 

 

 

 

 

 

 

927,250

 

 

 

 

3,977

 

 

 

 

1.70

 

 

Total interest-bearing liabilities

 

 

7,705,655

 

 

$

 

25,222

 

 

 

 

1.33

 

%

 

 

 

 

 

7,798,565

 

 

$

 

17,100

 

 

 

 

0.87

 

%

Noninterest-bearing deposits

 

 

3,860,472

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4,179,494

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

60,028

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

60,085

 

 

 

 

 

 

 

 

 

 

Shareholders' equity

 

 

1,306,358

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1,171,287

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

 

12,932,513

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

13,209,431

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income and margin (tax equivalent)*

 

 

 

 

$

 

99,417

 

 

 

 

3.34

 

%

 

 

 

 

 

 

 

$

 

107,788

 

 

 

 

3.47

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sept. 30, 2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold

$

 

3,107

 

 

$

 

19

 

 

 

 

2.49

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits in nonaffiliated banks

 

 

248,929

 

 

 

 

1,413

 

 

 

 

2.25

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable securities

 

 

4,039,107

 

 

 

 

20,799

 

 

 

 

2.06

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tax-exempt securities

 

 

2,164,829

 

 

 

 

16,423

 

 

 

 

3.03

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

 

6,082,649

 

 

 

 

77,880

 

 

 

 

5.08

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-earning assets

 

 

12,538,621

 

 

$

 

116,534

 

 

 

 

3.69

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-earning assets

 

 

833,980

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

$

 

13,372,601

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 

7,004,478

 

 

$

 

8,787

 

 

 

 

0.50

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Borrowings

 

 

768,096

 

 

 

 

784

 

 

 

 

0.40

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-bearing liabilities

 

 

7,772,574

 

 

$

 

9,571

 

 

 

 

0.49

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing deposits

 

 

4,178,675

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

61,320

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shareholders' equity

 

 

1,360,032

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

 

13,372,601

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income and margin (tax equivalent)*

 

 

 

 

$

 

106,963

 

 

 

 

3.38

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

 

Nine Months Ended

 

 

 

Nine Months Ended

 

Sept. 30, 2023

 

 

 

Sept. 30, 2022

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold

$

 

2,377

 

 

$

 

97

 

 

 

 

5.45

 

%

 

 

 

$

 

1,870

 

 

$

 

26

 

 

 

 

1.87

 

%

Interest-bearing deposits in nonaffiliated banks

 

 

105,657

 

 

 

 

3,929

 

 

 

 

4.97

 

 

 

 

 

 

 

236,843

 

 

 

 

2,054

 

 

 

 

1.16

 

 

Taxable securities

 

 

3,562,753

 

 

 

 

60,240

 

 

 

 

2.25

 

 

 

 

 

 

 

4,123,562

 

 

 

 

57,772

 

 

 

 

1.87

 

 

Tax exempt securities

 

 

1,660,241

 

 

 

 

35,626

 

 

 

 

2.86

 

 

 

 

 

 

 

2,382,754

 

 

 

 

52,403

 

 

 

 

2.93

 

 

Loans

 

 

6,694,000

 

 

 

 

294,875

 

 

 

 

5.89

 

 

 

 

 

 

 

5,765,844

 

 

 

 

211,134

 

 

 

 

4.90

 

 

Total interest-earning assets

 

 

12,025,028

 

 

$

 

394,767

 

 

 

 

4.39

 

%

 

 

 

 

 

12,510,873

 

 

$

 

323,389

 

 

 

 

3.46

 

%

Noninterest-earning assets

 

 

852,113

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

801,828

 

 

 

 

 

 

 

 

 

 

Total assets

$

 

12,877,141

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

13,312,701

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 

7,126,471

 

 

$

 

85,606

 

 

 

 

1.61

 

%

 

 

 

$

 

6,984,249

 

 

$

 

13,124

 

 

 

 

0.25

 

%

Borrowings

 

 

653,784

 

 

 

 

13,957

 

 

 

 

2.85

 

 

 

 

 

 

 

759,913

 

 

 

 

1,216

 

 

 

 

0.21

 

 

Total interest-bearing liabilities

 

 

7,780,255

 

 

$

 

99,563

 

 

 

 

1.71

 

%

 

 

 

 

 

7,744,162

 

 

$

 

14,340

 

 

 

 

0.25

 

%

Noninterest-bearing deposits

 

 

3,690,190

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4,024,731

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

62,468

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

63,919

 

 

 

 

 

 

 

 

 

 

Shareholders' equity

 

 

1,344,228

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1,479,889

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

 

12,877,141

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

13,312,701

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income and margin (tax equivalent)*

 

 

 

 

$

 

295,204

 

 

 

 

3.28

 

%

 

 

 

 

 

 

 

$

 

309,049

 

 

 

 

3.30

 

%

*Calculations have been adjusted to remove effect of TEFRA disallowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Document And Entity Information
Oct. 19, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 19, 2023
Entity Registrant Name First Financial Bankshares, Inc.
Entity Central Index Key 0000036029
Entity Emerging Growth Company false
Entity File Number 0-07674
Entity Incorporation, State or Country Code TX
Entity Tax Identification Number 75-0944023
Entity Address, Address Line One 400 Pine Street
Entity Address, City or Town Abilene
Entity Address, State or Province TX
Entity Address, Postal Zip Code 79601
City Area Code 325
Local Phone Number 627-7155
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, $0.01 par value
Trading Symbol FFIN
Security Exchange Name NASDAQ
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