0001193125-21-304202.txt : 20211021 0001193125-21-304202.hdr.sgml : 20211021 20211021172507 ACCESSION NUMBER: 0001193125-21-304202 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20211021 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211021 DATE AS OF CHANGE: 20211021 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: 211337962 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 d231145d8k.htm 8-K 8-K
FIRST FINANCIAL BANKSHARES INC false 0000036029 0000036029 2021-10-21 2021-10-21

 

 

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 21, 2021

 

 

FIRST FINANCIAL BANKSHARES, INC.

(Exact Name of Registrant as Specified in its Charter)

 

 

 

Texas   0-7674   75-0944023

(State or other Jurisdiction

of Incorporation)

  

(Commission

File No.)

  

(IRS 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 LLC

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, 2021 of First Financial Bankshares, Inc.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

 

99.1    Press Release dated October 21, 2021
104    Cover Page Interactive Data File (embedded within the 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 21, 2021     By:  

/s/ F. Scott Dueser

    F. SCOTT DUESER
    Chairman, President and Chief Executive Officer
 EX-99.1 2 d231145dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

For immediate release       For More Information:
      James R. Gordon, EVP & Chief Financial Officer
      325.627.7155

FIRST FINANCIAL BANKSHARES ANNOUNCES THIRD QUARTER 2021 EARNINGS

ABILENE, Texas, October 21, 2021—First Financial Bankshares, Inc. (NASDAQ: FFIN) today reported earnings for the third quarter of 2021 of $58.93 million compared to earnings of $52.86 million for the same quarter a year ago. Basic and diluted earnings per share were $0.41 for the third quarter of 2021 compared with $0.37 for the same quarter a year ago.

“During the third quarter, we produced strong operating results driven by organic growth reflecting the increasing strength of our markets. The continued recovery of the Texas economy produced net loan growth, excluding PPP loans, of $162.95 million for the quarter and our overall credit metrics continued to improve. Additionally, customer deposits grew $111.42 million during the quarter driven by net deposit account openings of 13,774 year-to-date. We are focused on closing out 2021 with strong growth as we serve our communities across Texas. We appreciate the continued support of our customers, shareholders and associates,” said F. Scott Dueser, Chairman, President and CEO of First Financial Bankshares, Inc.

Net interest income for the third quarter of 2021 was $95.78 million compared to $89.21 million for the third quarter of 2020. Average-earning assets increased to $11.58 billion for the third quarter of 2021 compared to $9.80 billion a year ago. The net interest margin, on a taxable equivalent basis, was 3.41 percent for the third quarter of 2021 compared to 3.75 percent in the third quarter of 2020.

Information related to the Company’s Paycheck Protection Program (“PPP”) loans is included in the following table (dollars in thousands):

 

     PPP Loans Originated      PPP Amounts as of September 30, 2021  
     Number
of Loans		      Amount      Number
of Loans		      Period-End
Amount, Net		      Unamortized
Fees		      Recognized
Fees During the
Quarter Ended
September 30,
2021		  

PPP Round 1

      6,530      $  703,450        51      $ 4,324      $ 63      $  1,044  

PPP Round 2

      3,179        267,423        1,298        135,010        6,025        6,590  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

PPP Total

      9,709      $ 970,873        1,349      $  139,334      $  6,088      $ 7,634  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

PPP loan balances declined $181.06 million from June 30, 2021 and accounted for $229.81 million in average balances for the third quarter of 2021 compared to $482.00 in the second quarter of 2021. Remaining unamortized fees continue to be amortized over the shorter of the repayment period or the contractual life of 24 to 60 months.

The Company recorded no provision for credit losses for the third quarter of 2021 compared to a provision for credit losses of $9.00 million for the third quarter of 2020. The Company’s allowance for loan losses for the third quarter of 2021 reflected the continued improvement in overall asset quality offset by loan growth.

For the third quarter of 2021, net recoveries totaled $1.23 million compared to net charge-offs of $409 thousand for the third quarter of 2020. At September 30, 2021, the allowance for credit losses totaled $63.37 million, or 1.20 percent of loans held-for-investment (“loans” hereafter), or 1.23 percent of loans, excluding PPP loans, compared to $76.04 million at September 30, 2020, or 1.44 percent of loans, or 1.66 percent of loans, excluding PPP loans. Additionally, the reserve for unfunded commitments totaled $6.75 million at September 30, 2021 compared to $2.31 million at September 30, 2020. Nonperforming assets as a percentage of loans and foreclosed assets totaled 0.48 percent at September 30, 2021, compared with 0.81 percent at September 30, 2020. Classified loans totaled $165.77 million at September 30, 2021, compared to $202.04 million at September 30, 2020.

Noninterest income in the third quarter of 2021 was $37.73 million compared to $38.58 million in the third quarter of 2020, as a result of the following:

 

  •  

Trust fees increased to $9.48 million in the third quarter of 2021 from $7.46 million in the third quarter of 2020. The fair value of trust assets managed increased to $8.08 billion at September 30, 2021 compared to $6.95 billion at September 30, 2020.

 

  •  

Service charges on deposits increased to $5.67 million in the third quarter of 2021 compared with $5.01 million in the third quarter of 2020.

 

  •  

ATM, interchange and credit card fees increased to $9.79 million in the third quarter of 2021 from $8.64 million in the third quarter of 2020, driven by continued growth in the number of debit cards issued and overall customer utilization.

 

  •  

Mortgage income was $8.79 million in the third quarter of 2021 compared to $15.23 million in the third quarter of 2020 due to lower overall origination volumes.

Loan recoveries during the third quarter of 2021 totaled $1.75 million compared to $202 thousand in the third quarter of 2020.

Noninterest expense for the third quarter of 2021 totaled $62.94 million compared to $55.59 million in the third quarter of 2020, as a result of the following:

 

  •  

Salary, commissions and employee benefit costs totaled $37.09 million for the third quarter of 2021, compared to $33.65 million in the third quarter of 2020. The increase over the prior year was primarily driven by increases effective March 1, 2021 from annual merit-based pay and increases in profit sharing and incentive compensation accruals during the third quarter of 2021.

The Company’s efficiency ratio was 45.88 percent for the third quarter of 2021 compared to 42.45 percent for the third quarter of 2020.

As of September 30, 2021, consolidated assets for the Company totaled $12.54 billion compared to $10.57 billion at September 30, 2020. Loans totaled $5.29 billion at September 30, 2021, compared with loans of $5.29 billion at September 30, 2020. Excluding PPP loans, loans have grown $557.21 million or 12.14 percent, from September 30, 2020 balances. Deposits totaled $9.89 billion at September 30, 2021, compared to $8.29 billion at September 30, 2020, driven by continued organic growth. Shareholders’ equity rose to $1.73 billion as of September 30, 2021, compared to $1.62 billion at September 30, 2020.

About First Financial Bankshares, Inc.

Headquartered in Abilene, Texas, First Financial Bankshares, Inc. is a financial holding company that through its subsidiary, First Financial Bank, N.A., operates multiple banking regions with 78 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, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, 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, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. The Company also operates First Financial Trust & Asset Management Company, N.A., with ten 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 http://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” 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  
     2021      2020  
ASSETS    Sept. 30,     June 30,     Mar. 31,                Dec. 31,                Sept. 30,  

Cash and due from banks

    $ 201,901     $ 190,061     $ 190,350      $ 211,113      $ 175,088  

Interest-bearing deposits in banks

      359,241       654,531       893,221        517,971        58,933  

Investment securities

      6,119,984       5,578,048       5,109,631        4,393,029        4,431,280  

Loans, held-for-investment, excluding PPP Loans

      5,147,160       4,984,210       4,790,752        4,687,370        4,589,948  

PPP loans

      139,334       320,392       531,810        483,663        703,731  
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

Total loans, held-for-investment

      5,286,494       5,304,602       5,322,562        5,171,033        5,293,679  

Allowance for loan losses

      (63,370 )      (62,138 )      (62,974 )       (66,534 )       (76,038 ) 
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

Net loans, held-for-investment

      5,223,124       5,242,464       5,259,588        5,104,499        5,217,641  

Loans, held-for-sale

      47,721       61,802       65,405        83,969        101,055  

Premises and equipment, net

      147,516       147,655       142,415        142,269        141,002  

Goodwill

      313,481       313,481       313,481        313,481        313,481  

Other intangible assets

      3,689       4,087       4,499        4,911        5,394  

Other assets

      126,601       136,954       124,297        133,258        123,778  
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

Total assets

    $ 12,543,258     $ 12,329,083     $ 12,102,887      $ 10,904,500      $ 10,567,652  
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

LIABILITIES AND SHAREHOLDERS’ EQUITY

             

Noninterest-bearing deposits

    $ 3,574,405     $ 3,427,038     $ 3,350,145      $ 2,982,697      $ 2,950,407  

Interest-bearing deposits

      6,318,712       6,354,656       6,063,302        5,693,120        5,344,481  
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

Total deposits

      9,893,117       9,781,694       9,413,447        8,675,817        8,294,888  

Borrowings

      648,679       549,969       548,604        430,093        503,163  

Trade date payable

      174,236       189,838       381,871        14,641        53,730  

Other liabilities

      93,491       87,213       93,537        105,759        96,370  

Shareholders’ equity

      1,733,735       1,720,369       1,665,428        1,678,190        1,619,501  
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

Total liabilities and shareholders’ equity

    $ 12,543,258     $ 12,329,083     $ 12,102,887      $ 10,904,500      $ 10,567,652  
  

 

 

    

 

 

    

 

 

     

 

 

     

 

 

  

 

     Quarter Ended  
     2021     2020  
INCOME STATEMENTS    Sept. 30,     June 30,     Mar. 31,     Dec. 31,     Sept. 30,  

Interest income

    $ 97,198     $ 92,602     $ 90,610     $ 92,457     $ 91,373  

Interest expense

      1,416       1,653       1,786       1,920       2,163  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income

      95,782       90,949       88,824       90,537       89,210  

Provision for credit losses

      —         (1,206 )      (1,997 )      (8,033 )      9,000  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income after provisions for credit losses

      95,782       92,155       90,821       98,570       80,210  

Noninterest income

      37,726       34,673       34,874       35,709       38,575  

Noninterest expense

      62,939       59,374       57,723       63,705       55,593  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net income before income taxes

      70,569       67,454       67,972       70,574       63,192  

Income tax expense

      11,641       11,075       11,054       12,099       10,335  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net income

    $ 58,928     $ 56,379     $ 56,918     $ 58,475     $ 52,857  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

PER COMMON SHARE DATA

           

Net income - basic

    $ 0.41     $ 0.40     $ 0.40     $ 0.41     $ 0.37  

Net income - diluted

      0.41       0.39       0.40       0.41       0.37  

Cash dividends declared

      0.15       0.15       0.13       0.13       0.13  

Book value

      12.17       12.08       11.70       11.80       11.40  

Tangible book value

      9.94       9.85       9.47       9.57       9.15  

Market value

      45.95       49.13       46.73       36.17       27.91  

Shares outstanding - end of period

      142,467,687       142,359,774       142,285,611       142,161,834       142,121,595  

Average outstanding shares - basic

      142,334,449       142,245,555       142,146,275       142,057,705       141,980,707  

Average outstanding shares - diluted

      143,218,920       143,164,611       143,002,658       142,644,088       142,529,242  

PERFORMANCE RATIOS

           

Return on average assets

      1.90 %      1.89 %      2.05 %      2.19 %      2.01 % 

Return on average equity

      13.43       13.38       13.83       14.27       13.14  

Return on average tangible equity

      16.43       16.48       17.09       17.74       16.41  

Net interest margin (tax equivalent)

      3.41       3.36       3.55       3.75       3.75  

Efficiency ratio

      45.88       45.94       45.36       49.15       42.45  

 

     Nine Months Ended
Sept. 30,		                      
INCOME STATEMENTS    2021     2020                      

Interest income

    $ 280,410     $ 271,671          

Interest expense

      4,855       12,323          
  

 

 

    

 

 

          

Net interest income

      275,555       259,348          

Provision for credit losses

      (3,203 )      27,550          
  

 

 

    

 

 

          

Net interest income after provisions for credit losses

      278,758       231,798          

Noninterest income

      107,273       104,226          

Noninterest expense

      180,036       164,233          
  

 

 

    

 

 

          

Net income before income taxes

      205,995       171,791          

Income tax expense

      33,770       28,233                                                                         
  

 

 

    

 

 

          

Net income

    $ 172,225     $ 143,558          
  

 

 

    

 

 

          

PER COMMON SHARE DATA

             

Net income - basic

    $ 1.21     $ 1.01          

Net income - diluted

      1.20       1.01          

Cash dividends declared

      0.43       0.38          

Book Value

      12.17       11.40          

Tangible book value

      9.94       9.15          

Market Value

      45.95       27.91          

Shares outstanding - end of period

      142,467,687       142,121,595          

Average outstanding shares - basic

      142,242,783       142,023,930          

Average outstanding shares - diluted

      143,183,792       142,519,448          

PERFORMANCE RATIOS

             

Return on average assets

      1.94 %      1.91 %         

Return on average equity

      13.55       12.46          

Return on average tangible equity

      16.66       15.71          

Net interest margin (tax equivalent)

      3.43       3.81          

Efficiency ratio

      45.73       44.21          

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

     Quarter Ended  
     2021     2020  
ALLOWANCE FOR LOAN LOSSES    Sept. 30,     June 30,     Mar. 31,     Dec. 31,     Sept. 30,  

Balance at beginning of period

    $ 62,138     $ 62,974     $ 66,534     $ 76,038     $ 68,947  

Loans charged off

      (1,475 )      (392 )      (574 )      (1,339 )      (853 ) 

Loan recoveries

      2,707       595       443       778       444  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Net recoveries (charge-offs)

      1,232       203       (131 )      (561 )      (409 ) 

Initial adoption of ASU 2016-13 (CECL) - recorded in retained earnings

      —         —         —         (619 )      —    

Reclassification of credit marks on purchased credit deteriorated (PCD) loans

      —         —         —         1,678       —    

Provision for loan losses

      —         (1,039 )      (3,429 )      (10,002 )      7,500  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Balance at end of period

    $ 63,370     $ 62,138     $ 62,974     $ 66,534     $ 76,038  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

ALLOWANCE FOR UNFUNDED COMMITMENTS

           

Balance at beginning of period

    $ 6,751     $ 6,918     $ 5,486     $ 2,309     $ 809  

Initial adoption of ASU 2016-13 (CECL)—recorded in retained earnings

      —         —         —         1,208       —    

Provision for unfunded commitments

      —         (167 )      1,432       1,969       1,500  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Balance at end of period

    $ 6,751     $ 6,751     $ 6,918     $ 5,486     $ 2,309  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Allowance for loan losses / period-end loans held-for-investment

      1.20 %      1.17 %      1.18 %      1.29 %      1.44 % 

Allowance for loan losses / nonperforming loans

      250.92       208.45       160.00       155.61       177.99  

Net charge-offs (recoveries) / average total loans (annualized)

      (0.09 )      (0.02 )      0.01       0.04       0.03  
     Quarter Ended  
     2021     2020  
COMPOSITION OF LOANS HELD-FOR-INVESTMENT    Sept. 30,     June 30,     Mar. 31,     Dec. 31,     Sept. 30,  

Commercial:

           

C&I

    $ 680,263     $ 662,711     $ 646,316     $ 647,719$        N/A  

PPP

      139,334       320,392       531,810       483,663       703,731  

Municipal

      165,847       179,356       176,949       181,325       N/A  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Commercial

      985,444       1,162,459       1,355,075       1,312,707       1,488,345  

Agriculture

      98,947       95,212       90,366       94,864       93,972  

Real Estate:

           

Construction & Development

      656,530       550,928       587,928       553,959       N/A  

Farm

      203,064       185,288       162,046       152,237       N/A  

Non-Owner Occupied CRE

      674,958       673,608       650,144       617,686       N/A  

Owner Occupied CRE

      824,231       820,055       759,906       746,974       N/A  

Residential

      1,328,798       1,328,474       1,254,727       1,248,409       N/A  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Real Estate

      3,687,581       3,558,353       3,414,751       3,319,265       3,287,605  

Consumer:

           

Auto

      394,072       383,764       370,027       353,595       N/A  

Non-Auto

      120,450       104,814       92,343       90,602       N/A  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total Consumer

      514,522       488,578       462,370       444,197       423,757  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total loans held-for-investment

    $ 5,286,494     $ 5,304,602     $ 5,322,562     $ 5,171,033     $ 5,293,679  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

SUMMARY OF LOAN CLASSIFICATION

           

Special Mention

    $ 53,620     $ 54,497     $ 61,866     $ 56,585     $ 66,033  

Substandard

      112,151       120,497       128,550       140,866       136,010  

Doubtful

      —         —         —         —         —    
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total classified loans

    $ 165,771     $ 174,994     $ 190,416     $ 197,451     $ 202,043  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

NONPERFORMING ASSETS

           

Nonaccrual loans

    $ 25,210     $ 29,786     $ 39,333     $ 42,619     $ 42,673  

Accruing troubled debt restructured loans

      22       23       23       24       25  

Accruing loans 90 days past due

      23       —         2       113       23  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total nonperforming loans

      25,255       29,809       39,358       42,756       42,721  

Foreclosed assets

      28       305       300       142       331  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total nonperforming assets

    $ 25,283     $ 30,114     $ 39,658     $ 42,898     $ 43,052  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

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

      0.48 %      0.57 %      0.75 %      0.83 %      0.81 % 

As a % of end of period total assets

      0.20       0.24       0.33       0.39       0.41  

OIL AND GAS PORTFOLIO INFORMATION *

           

Oil and gas loans

    $ 96,469     $ 103,166     $ 105,261     $ 106,237     $ 118,567  

Oil and gas loans as a % of total loans held-for-investment

      1.87 %      2.07 %      2.20 %      2.27 %      2.58 % 

Classified oil and gas loans

    $ 10,831     $ 13,090     $ 10,079     $ 13,298     $ 26,823  

Nonaccrual oil and gas loans

      3,058       3,986       4,759       4,774       6,800  

Net charge-offs (recoveries) on oil and gas loans

      (71 )      59       40       24       —    

* Excluding PPP loans

           

RETAIL/RESTAURANT/HOSPITALITY PORTFOLIO INFORMATION *

           

Retail loans

    $ 348,797     $ 326,409     $ 282,310     $ 216,244     $ 229,386  

Restaurant loans

      59,031       56,997       51,772       48,618       39,523  

Hotel loans

      60,733       71,008       71,435       71,716       63,273  

Other hospitality loans

      27,369       27,929       24,014       21,970       26,041  

Travel loans

      593       790       664       780       801  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total retail/restaurant/hospitality loans

    $ 496,523     $ 483,133     $ 430,195     $ 359,328     $ 359,024  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Retail/Restaurant/Hospitality loans as a % of total loans held-for-investment

      9.65 %      9.69 %      8.98 %      7.67 %      7.82 % 

Classified Retail/Restaurant/Hospitality loans

    $ 34,341     $ 43,635     $ 45,214     $ 31,192     $ 28,171  

Nonaccrual Retail/Restaurant/Hospitality loans

      1,995       5,600       6,575       5,975       5,689  

Net charge-offs (recoveries) on Retail/Restaurant/Hospitality loans

      (506 )      —         —         561       26  

* Excluding PPP loans

           

CAPITAL RATIOS

           

Common equity Tier 1 capital ratio

      19.71 %      20.04 %      20.32 %      20.79 %      20.56 % 

Tier 1 capital ratio

      19.71       20.04       20.32       20.79       20.56  

Total capital ratio

      20.76       21.12       21.47       22.03       21.82  

Tier 1 leverage ratio

      11.19       11.10       11.55       11.86       11.65  

Tangible common equity ratio

      11.90       11.75       12.35       12.71       12.61  

Equity/Assets ratio

      13.82       13.95       13.76       15.39       15.33  

            Quarter Ended  
            2021      2020  
NONINTEREST INCOME      Sept. 30,     June 30,      Mar. 31,      Dec. 31,      Sept. 30,  

Trust fees

       $ 9,484     $ 8,692      $ 8,299      $ 7,672      $ 7,461  

Service charges on deposits

 

      5,673       4,928        4,793        5,330        5,009  

ATM, interchange and credit card fees

 

      9,793       9,853        8,677        8,376        8,644  

Gain on sale and fees on mortgage loans

 

      8,788       8,291        9,894        11,116        15,228  

Net gain on sale of available-for-sale securities

 

      1       5        808        23        36  

Net gain on sale of foreclosed assets

 

      27       1        55        87        19  

Net gain (loss) on sale of assets

 

      (6 )      74        145        22        (2 ) 

Interest on loan recoveries

 

      1,746       704        382        235        202  

Other noninterest income

 

      2,220       2,125        1,821        2,848        1,978  
  

 

 

    

 

 

     

 

 

     

 

 

     

 

 

  

Total noninterest income

 

    $ 37,726     $ 34,673      $ 34,874      $ 35,709      $ 38,575  
     

 

 

    

 

 

     

 

 

     

 

 

     

 

 

  

NONINTEREST EXPENSE

 

              

Salaries, commissions and employee benefits, excluding profit sharing

 

    $ 34,460     $ 32,936      $ 32,636      $ 34,773      $ 32,104  

Profit sharing expense

 

      2,630       2,110        2,295        6,245        1,545  

Net occupancy expense

 

      3,288       3,241        3,147        3,067        3,193  

Equipment expense

 

      2,450       2,177        2,164        2,154        2,157  

FDIC insurance premiums

 

      815       766        701        663        587  

ATM, interchange and credit card expenses

 

      2,935       3,039        2,772        2,811        2,829  

Legal, tax and professional fees

 

      2,893       3,352        2,726        2,302        2,615  

Audit fees

         466       430        440        407        526  

Printing, stationery and supplies

 

      432       489        325        449        615  

Amortization of intangible assets

 

      398       412        412        483        490  

Advertising and public relations

 

      1,746       1,392        1,388        1,600        797  

Operational and other losses

 

      1,087       534        287        537        621  

Software amortization and expense

 

      2,855       2,829        2,619        2,563        2,265  

Other noninterest expense

 

      6,484       5,667        5,811        5,651        5,249  
  

 

 

    

 

 

     

 

 

     

 

 

     

 

 

  

Total noninterest expense

 

    $ 62,939     $ 59,374      $ 57,723      $ 63,705      $ 55,593  
     

 

 

    

 

 

     

 

 

     

 

 

     

 

 

  

TAX EQUIVALENT YIELD ADJUSTMENT

 

    $ 3,670     $ 3,633      $ 3,547      $ 3,355      $ 3,170  
     

 

 

    

 

 

     

 

 

     

 

 

     

 

 

  
            Nine Months Ended                       
            Sept. 30,                       

NONINTEREST INCOME

 

      2021       2020           
  

 

 

    

 

 

           

Trust fees

       $ 26,475     $ 21,859           

Service charges on deposits

 

      15,394       15,242           

ATM, interchange and credit card fees

 

      28,323       24,093           

Gain on sale and fees on mortgage loans

 

      26,973       32,756           

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

 

      814       3,610           

Net gain (loss) on sale of foreclosed assets

 

      83       72           

Net gain (loss) on sale of assets

 

      213       90           

Interest on loan recoveries

 

      2,832       621           

Other noninterest income

 

      6,166       5,883           
  

 

 

    

 

 

           

Total noninterest income

 

    $ 107,273     $ 104,226           
     

 

 

    

 

 

           

NONINTEREST EXPENSE

 

              

Salaries, commissions and employee benefits, excluding profit sharing

 

    $ 100,032     $ 89,610           

Profit sharing expense

 

      7,035       4,495           

Net occupancy expense

 

      9,676       9,321           

Equipment expense

 

      6,791       6,242           

FDIC insurance premiums

 

      2,282       1,095           

ATM, interchange and credit card expenses

 

      8,746       8,424           

Legal, tax and professional fees

 

      8,971       8,467           

Audit fees

         1,336       1,676           

Printing, stationery and supplies

 

      1,246       1,714           

Amortization of intangible assets

 

      1,222       1,507           

Advertising and public relations

 

      4,526       3,003           

Operational and other losses

 

      1,908       1,925           

Software amortization and expense

 

      8,303       6,299           

Other noninterest expense

 

      17,962       20,455           
  

 

 

    

 

 

           

Total noninterest expense

 

    $ 180,036     $ 164,233           
     

 

 

    

 

 

           

TAX EQUIVALENT YIELD ADJUSTMENT

 

    $ 10,850     $ 7,905           
  

 

 

    

 

 

           

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

     Three Months Ended     Three Months Ended  
     Sept. 30, 2021     June 30, 2021  
     Average      Tax Equivalent      Yield /     Average      Tax Equivalent      Yield /  
     Balance      Interest      Rate     Balance      Interest      Rate  

Interest-earning assets:

                 

Federal funds sold

    $ 1,554      $ 2        0.51 %    $ 3,049      $ 4        0.54 % 

Interest-bearing deposits in nonaffiliated banks

      612,551        236        0.15       796,835        211        0.11  

Taxable securities

      3,081,215        12,122        1.57       2,656,211        11,449        1.72  

Tax exempt securities

      2,542,606        17,701        2.78       2,461,924        17,410        2.83  

Loans

      5,337,807        70,807        5.26       5,383,781        67,161        5.00  
  

 

 

     

 

 

     

 

 

    

 

 

     

 

 

     

 

 

  

Total interest-earning assets

      11,575,733      $  100,868        3.46 %      11,301,800      $ 96,235        3.42 % 

Noninterest-earning assets

      705,099             692,282        
  

 

 

          

 

 

        

Total assets

    $  12,280,832           $  11,994,082        
  

 

 

          

 

 

        

Interest-bearing liabilities:

                 

Deposits

    $ 6,346,267      $ 1,340        0.08 %    $ 6,229,991      $ 1,560        0.10 % 

Borrowings

      599,934        76        0.05       527,669        93        0.07  
  

 

 

     

 

 

     

 

 

    

 

 

     

 

 

     

 

 

  

Total interest-bearing liabilities

      6,946,201      $ 1,416        0.08 %      6,757,660      $ 1,653        0.10 % 

Noninterest-bearing deposits

      3,490,685             3,439,683        

Other noninterest-bearing liabilities

      103,446             106,994        

Shareholders’ equity

      1,740,500             1,689,745        
  

 

 

          

 

 

        

Total liabilities and shareholders’ equity

    $ 12,280,832           $ 11,994,082        
  

 

 

          

 

 

        
     

 

 

          

 

 

     

Net interest income and margin (tax equivalent)

       $ 99,452        3.41 %       $ 94,582        3.36 % 
     

 

 

     

 

 

       

 

 

     

 

 

  
     Three Months Ended     Three Months Ended  
     Mar. 31, 2021     Dec. 31, 2020  
     Average      Tax Equivalent      Yield /     Average      Tax Equivalent      Yield /  
     Balance      Interest      Rate     Balance      Interest      Rate  

Interest-earning assets:

                 

Federal funds sold

    $ 1,942      $ 3        0.58 %    $ —        $ —          — % 

Interest-bearing deposits in nonaffiliated banks

      637,129        159        0.10       195,637        50        0.10  

Taxable securities

      2,251,419        10,264        1.82       2,086,419        10,708        2.05  

Tax exempt securities

      2,368,615        16,979        2.87       2,318,912        16,733        2.89  

Loans

      5,296,149        66,753        5.11       5,356,229        68,321        5.07  
  

 

 

     

 

 

     

 

 

    

 

 

     

 

 

     

 

 

  

Total interest-earning assets

      10,555,254      $ 94,158        3.62 %      9,957,197      $ 95,812        3.83 % 

Noninterest-earning assets

      700,550             674,229        
  

 

 

          

 

 

        

Total assets

    $ 11,255,804           $ 10,631,426        
  

 

 

          

 

 

        

Interest-bearing liabilities:

                 

Deposits

    $ 5,916,237      $ 1,696        0.12 %    $ 5,479,873      $ 1,826        0.13 % 

Borrowings

      456,620        91        0.08       428,117        94        0.09  
  

 

 

     

 

 

     

 

 

    

 

 

     

 

 

     

 

 

  

Total interest-bearing liabilities

      6,372,857      $ 1,787        0.11 %      5,907,990      $ 1,920        0.13 % 

Noninterest-bearing deposits

      3,114,656             2,987,572        

Other noninterest-bearing liabilities

      99,581             106,065        

Shareholders’ equity

      1,668,710             1,629,799        
  

 

 

          

 

 

        

Total liabilities and shareholders’ equity

    $ 11,255,804           $ 10,631,426        
  

 

 

          

 

 

        
     

 

 

          

 

 

     

Net interest income and margin (tax equivalent)

       $ 92,371        3.55 %       $ 93,892        3.75 % 
     

 

 

     

 

 

       

 

 

     

 

 

  
     Three Months Ended        
     Sept. 30, 2020        
     Average      Tax Equivalent      Yield /                      
     Balance      Interest      Rate                      

Interest-earning assets:

                 

Federal funds sold

    $ 2,009      $ 3        0.51 %         

Interest-bearing deposits in nonaffiliated banks

      223,104        59        0.10          

Taxable securities

      2,187,547        12,063        2.21          

Tax exempt securities

      2,058,032        15,737        3.06          

Loans

      5,334,174        66,681        4.97          
  

 

 

     

 

 

     

 

 

          

Total interest-earning assets

      9,804,866      $ 94,543        3.84 %         

Noninterest-earning assets

      671,374                
  

 

 

                

Total assets

    $ 10,476,240                
  

 

 

                

Interest-bearing liabilities:

                 

Deposits

    $ 5,270,600      $ 2,064        0.16 %         

Borrowings

      482,555        99        0.08          
  

 

 

     

 

 

     

 

 

          

Total interest-bearing liabilities

      5,753,155      $ 2,163        0.15 %         

Noninterest-bearing deposits

      3,016,700                

Other noninterest-bearing liabilities

      106,295                

Shareholders’ equity

      1,600,090                
  

 

 

                

Total liabilities and shareholders’ equity

    $ 10,476,240                
  

 

 

                
     

 

 

             

Net interest income and margin (tax equivalent)

       $ 92,380        3.75 %         
     

 

 

     

 

 

          
     Nine Months Ended     Nine Months Ended  
     Sept. 30, 2021     Sept. 30, 2020  
     Average      Tax Equivalent      Yield /     Average      Tax Equivalent      Yield /  
     Balance      Interest      Rate     Balance      Interest      Rate  

Interest-earning assets:

                 

Federal funds sold

    $ 2,181      $ 9        0.55 %    $ 1,854      $ 14        0.99 % 

Interest-bearing deposits in nonaffiliated banks

      682,082        606        0.12       267,850        889        0.44  

Taxable securities

      2,665,988        33,834        1.69       2,283,064        40,748        2.38  

Tax exempt securities

      2,458,352        52,090        2.83       1,736,250        41,670        3.20  

Loans

      5,339,398        204,721        5.13       5,084,136        196,255        5.16  
  

 

 

     

 

 

     

 

 

    

 

 

     

 

 

     

 

 

  

Total interest-earning assets

      11,148,001      $ 291,260        3.49 %      9,373,154      $ 279,576        3.98 % 

Noninterest-earning assets

      699,326             673,325        
  

 

 

          

 

 

        

Total assets

    $ 11,847,327           $ 10,046,479        
  

 

 

          

 

 

        

Interest-bearing liabilities:

                 

Deposits

    $ 6,165,740      $ 4,595        0.10 %    $ 5,104,096      $ 11,293        0.30 % 

Borrowings

      528,599        260        0.07       606,291        1,030        0.23  
  

 

 

     

 

 

     

 

 

    

 

 

     

 

 

     

 

 

  

Total interest-bearing liabilities

      6,694,339      $ 4,855        0.10 %      5,710,387      $ 12,323        0.29 % 

Noninterest-bearing deposits

      3,349,719             2,714,173        

Other noninterest-bearing liabilities

      103,354             82,670        

Shareholders’ equity

      1,699,915             1,539,249        
  

 

 

          

 

 

        

Total liabilities and shareholders’ equity

    $ 11,847,327           $ 10,046,479        
  

 

 

          

 

 

        
     

 

 

          

 

 

     

Net interest income and margin (tax equivalent)

       $ 286,405        3.43 %       $  267,253        3.81 % 
     

 

 

     

 

 

       

 

 

     

 

 

  
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