0000950170-23-013714.txt : 20230420 0000950170-23-013714.hdr.sgml : 20230420 20230420172132 ACCESSION NUMBER: 0000950170-23-013714 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20230420 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230420 DATE AS OF CHANGE: 20230420 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: 23833998 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-20230420.htm 8-K 8-K
false000003602900000360292023-04-202023-04-20

 

 

 

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): April 20, 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 March 31, 2023 of First Financial Bankshares, Inc.

 

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

 

99.1 Press Release dated April 20, 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: April 20, 2023

By:

/s/ F. Scott Dueser

 

 

F. SCOTT DUESER

 

 

Chairman, President and Chief Executive Officer

 

 

 

 

 

 EX-99 2 ffin-ex99_1.htm EX-99.1 EX-99

 

For immediate release

For More Information:

Michelle S. Hickox, EVP & Chief Financial Officer 325.627.7155

 

FIRST FINANCIAL BANKSHARES ANNOUNCES FIRST QUARTER 2023 EARNINGS

ABILENE, Texas, April 20, 2023 - First Financial Bankshares, Inc. (the “Company,” “we,” “us” or “our”) (NASDAQ: FFIN) today reported earnings for the first quarter of 2023 of $52.57 million compared to earnings of $55.97 million for the same quarter a year ago. Basic and diluted earnings per share were $0.37 for the first quarter of 2023 compared with $0.39 for the same quarter a year ago.

As further described below, the results this quarter compared to the same quarter a year ago included (i) a decrease in debit card fees of $3.99 million, (ii) a decrease in mortgage revenues of $3.36 million and (iii) an increase in FDIC assessment fees of $785 thousand. Offsetting these items was (i) a decrease in the provision for credit losses of $2.00 million and (ii) a decrease in salary and employee benefits expenses of $2.68 million.

“We are pleased with our results that were highlighted by strong organic loan growth with only a small contraction in deposits during the quarter. In light of the historical increase in interest rates by the Federal Reserve, we continue to focus on loan and deposit pricing that aligns with our competitive environment. While funding costs have increased, we continue to have opportunities to reinvest bond cash flows into our higher yielding loan portfolio,” said F. Scott Dueser, Chairman, President and CEO of First Financial Bankshares, Inc. “Additionally, the financial strength of our Company is reflected in our strong regulatory capital ratios, diversified deposit base and access to multiple liquidity sources. We are steadfast in our commitment to remaining safe, sound and secure. We appreciate the continued support of our customers, shareholders and associates,” added Mr. Dueser.

Net interest income for the first quarter of 2023 was $96.29 million compared to $95.44 million for the first quarter of 2022. The net interest margin, on a taxable equivalent basis, was 3.34 percent for the first quarter of 2023 compared to 3.22 percent in the first quarter of 2022. Average interest-earning assets were $12.07 billion for the first quarter of 2023 compared to $12.50 billion a year ago.

The Company recorded a provision for credit losses of $2.78 million for the first quarter of 2023 compared to a provision for credit losses of $4.78 million for the first quarter of 2022. At March 31, 2023, the allowance for credit losses totaled $80.82 million, or 1.23 percent of loans held-for-investment (“loans” hereafter), compared to $66.91 million, or 1.20 percent of loans, at March 31, 2022. Additionally, the reserve for unfunded commitments totaled $10.40 million at March 31, 2023 compared to $7.47 million at March 31, 2022.

Net recoveries totaled $277 thousand in the first quarter 2023 compared to net charge-offs of $299 thousand for the first quarter of 2022. Nonperforming assets as a percentage of loans and foreclosed assets totaled 0.37 percent at March 31, 2023, compared with 0.52 percent at March 31, 2022. Classified loans totaled $157.06 million at March 31, 2023, compared to $152.16 million at March 31, 2022.

Noninterest income for the first quarter of 2023 was $28.01 million compared to $34.88 million for the first quarter of 2022, due to the following:

•
Service charges on deposits increased to $6.04 million for the first quarter of 2023 compared with $5.71 million for the first quarter of 2022, driven by the growth of over 4,300 net new accounts opened during the first quarter of 2023.

 

 

•
Debit card fees decreased by $3.99 million for the first quarter of 2023 compared to the same quarter a year ago. The decrease was due the impact of becoming subject to regulations that limit debit card interchange revenue (“Durbin Amendment”) which became effective for the Company as of July 1, 2022.
•
Mortgage income declined to $2.97 million for the first quarter of 2023 compared to $6.33 million for the first quarter of 2022 due to lower overall origination volumes and margins primarily because of the increase in mortgage interest rates.
•
Gains on sales of assets, foreclosed assets and securities were $976 thousand during the first quarter of 2023 compared to $1.11 million for the first quarter of 2022.

Noninterest expense for the first quarter of 2023 totaled $57.26 million compared to $59.23 million for the first quarter of 2022, as a result of the following:

•
Salary, commissions, and employee benefit costs decreased to $31.46 million for the first quarter of 2023, compared to $34.14 million in the first quarter of 2022 primarily resulting from a decrease of $1.57 million in profit sharing expense and $781 thousand in mortgage incentives.
•
Noninterest expenses, excluding salary related costs, increased $708 thousand for the first quarter of 2023 compared to the same period in 2022 largely due to an increase of $785 thousand in FDIC insurance fees.

The Company’s efficiency ratio was 44.93 percent for the first quarter of 2023 compared to 44.16 percent for the first quarter of 2022. The increase was driven by the decrease in non-interest income from the prior year.

 

As of March 31, 2023, consolidated total assets were $13.01 billion compared to $13.31 billion at March 31, 2022. Loans totaled $6.58 billion at March 31, 2023, compared with loans of $5.57 billion at March 31, 2022. During the first quarter of 2023, loans grew $134.35 million, or 8.46 percent annualized, when compared to December 31, 2022 balances. Deposits totaled $10.94 billion at March 31, 2023, compared to $11.00 billion at March 31, 2022.

 

During the first quarter of 2023, the Company sold $135.86 million of securities classified as available-for-sale with an average book yield of 2.92 percent. The proceeds from the sales of these securities were largely used to fund organic loan growth during the quarter. As of March 31, 2023, cash flows from maturities in the security portfolio of $599.43 million are projected over the next twelve months.

 

Shareholders’ equity was $1.37 billion as of March 31, 2023, compared to $1.27 billion and $1.49 billion at December 31, 2022, and March 31, 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 $458.25 million at March 31, 2023, compared to an unrealized loss of $535.23 million and $209.58 million at December 31, 2022 and March 31, 2022, respectively.



 

 

 

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 79 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, Lumberton, 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 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

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

Cash and due from banks

$

 

224,875

 

 

$

 

293,286

 

 

$

 

227,298

 

 

$

 

242,665

 

 

$

 

203,187

 

 

Interest-bearing demand deposits in banks

 

 

221,336

 

 

 

 

37,392

 

 

 

 

138,484

 

 

 

 

222,899

 

 

 

 

394,566

 

 

Investment securities

 

 

5,298,557

 

 

 

 

5,474,359

 

 

 

 

5,745,443

 

 

 

 

6,215,036

 

 

 

 

6,502,495

 

 

Loans, held-for-investment, excluding PPP Loans

 

 

6,576,060

 

 

 

 

6,441,699

 

 

 

 

6,255,286

 

 

 

 

5,876,281

 

 

 

 

5,550,430

 

 

PPP loans

 

 

155

 

 

 

 

169

 

 

 

 

202

 

 

 

 

2,301

 

 

 

 

15,739

 

 

Total loans, held-for-investment

 

 

6,576,215

 

 

 

 

6,441,868

 

 

 

 

6,255,488

 

 

 

 

5,878,582

 

 

 

 

5,566,169

 

 

Allowance for credit losses

 

 

(80,818

)

 

 

 

(75,834

)

 

 

 

(74,108

)

 

 

 

(71,932

)

 

 

 

(66,913

)

 

Net loans, held-for-investment

 

 

6,495,397

 

 

 

 

6,366,034

 

 

 

 

6,181,380

 

 

 

 

5,806,650

 

 

 

 

5,499,256

 

 

Loans, held-for-sale

 

 

11,996

 

 

 

 

11,965

 

 

 

 

18,815

 

 

 

 

26,445

 

 

 

 

27,670

 

 

Premises and equipment, net

 

 

153,718

 

 

 

 

152,973

 

 

 

 

152,646

 

 

 

 

149,280

 

 

 

 

150,168

 

 

Goodwill

 

 

313,481

 

 

 

 

313,481

 

 

 

 

313,481

 

 

 

 

313,481

 

 

 

 

313,481

 

 

Other intangible assets

 

 

1,825

 

 

 

 

2,053

 

 

 

 

2,352

 

 

 

 

2,658

 

 

 

 

2,978

 

 

Other assets

 

 

286,801

 

 

 

 

322,523

 

 

 

 

330,445

 

 

 

 

281,098

 

 

 

 

220,399

 

 

Total assets

$

 

13,007,986

 

 

$

 

12,974,066

 

 

$

 

13,110,344

 

 

$

 

13,260,212

 

 

$

 

13,314,200

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing deposits

$

 

3,890,991

 

 

$

 

4,061,788

 

 

$

 

4,200,792

 

 

$

 

4,104,034

 

 

$

 

3,978,724

 

 

Interest-bearing deposits

 

 

7,045,427

 

 

 

 

6,943,719

 

 

 

 

6,941,326

 

 

 

 

7,018,949

 

 

 

 

7,021,101

 

 

Total deposits

 

 

10,936,418

 

 

 

 

11,005,507

 

 

 

 

11,142,118

 

 

 

 

11,122,983

 

 

 

 

10,999,825

 

 

Borrowings

 

 

632,927

 

 

 

 

642,507

 

 

 

 

774,581

 

 

 

 

768,364

 

 

 

 

758,595

 

 

Other liabilities

 

 

65,788

 

 

 

 

60,315

 

 

 

 

61,030

 

 

 

 

39,847

 

 

 

 

67,031

 

 

Shareholders' equity

 

 

1,372,853

 

 

 

 

1,265,737

 

 

 

 

1,132,615

 

 

 

 

1,329,018

 

 

 

 

1,488,749

 

 

Total liabilities and shareholders' equity

$

 

13,007,986

 

 

$

 

12,974,066

 

 

$

 

13,110,344

 

 

$

 

13,260,212

 

 

$

 

13,314,200

 

 

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

INCOME STATEMENTS

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

Interest income

$

 

121,508

 

 

$

 

121,137

 

 

$

 

112,728

 

 

$

 

101,981

 

 

$

 

97,009

 

 

Interest expense

 

 

25,222

 

 

 

 

17,100

 

 

 

 

9,572

 

 

 

 

3,199

 

 

 

 

1,570

 

 

Net interest income

 

 

96,286

 

 

 

 

104,037

 

 

 

 

103,156

 

 

 

 

98,782

 

 

 

 

95,439

 

 

Provision for credit losses

 

 

2,781

 

 

 

 

4,075

 

 

 

 

3,221

 

 

 

 

5,350

 

 

 

 

4,782

 

 

Net interest income after provision for credit losses

 

 

93,505

 

 

 

 

99,962

 

 

 

 

99,935

 

 

 

 

93,432

 

 

 

 

90,657

 

 

Noninterest income

 

 

28,007

 

 

 

 

28,524

 

 

 

 

30,943

 

 

 

 

37,317

 

 

 

 

34,881

 

 

Noninterest expense

 

 

57,256

 

 

 

 

57,778

 

 

 

 

59,442

 

 

 

 

58,333

 

 

 

 

59,225

 

 

Net income before income taxes

 

 

64,256

 

 

 

 

70,708

 

 

 

 

71,436

 

 

 

 

72,416

 

 

 

 

66,313

 

 

Income tax expense

 

 

11,688

 

 

 

 

12,040

 

 

 

 

12,095

 

 

 

 

11,922

 

 

 

 

10,341

 

 

Net income

$

 

52,568

 

 

$

 

58,668

 

 

$

 

59,341

 

 

$

 

60,494

 

 

$

 

55,972

 

 

 

PER COMMON SHARE DATA

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income - basic

$

 

0.37

 

 

$

 

0.41

 

 

$

 

0.42

 

 

$

 

0.42

 

 

$

 

0.39

 

 

Net income - diluted

 

 

0.37

 

 

 

 

0.41

 

 

 

 

0.41

 

 

 

 

0.42

 

 

 

 

0.39

 

 

Cash dividends declared

 

 

0.17

 

 

 

 

0.17

 

 

 

 

0.17

 

 

 

 

0.17

 

 

 

 

0.15

 

 

Book value

 

 

9.62

 

 

 

 

8.87

 

 

 

 

7.94

 

 

 

 

9.32

 

 

 

 

10.43

 

 

Tangible book value

 

 

7.41

 

 

 

 

6.66

 

 

 

 

5.73

 

 

 

 

7.10

 

 

 

 

8.21

 

 

Market value

 

 

31.90

 

 

 

 

34.40

 

 

 

 

41.83

 

 

 

 

39.27

 

 

 

 

44.12

 

 

Shares outstanding - end of period

 

 

142,703,531

 

 

 

 

142,657,871

 

 

 

 

142,628,163

 

 

 

 

142,586,601

 

 

 

 

142,704,495

 

 

Average outstanding shares - basic

 

 

142,665,646

 

 

 

 

142,619,632

 

 

 

 

142,524,500

 

 

 

 

142,682,251

 

 

 

 

142,558,743

 

 

Average outstanding shares - diluted

 

 

143,066,011

 

 

 

 

143,071,538

 

 

 

 

143,126,088

 

 

 

 

143,238,669

 

 

 

 

143,302,063

 

 

 

PERFORMANCE RATIOS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 

1.65

 

%

 

 

1.76

 

%

 

 

1.76

 

%

 

 

1.82

 

%

 

 

1.71

 

%

Return on average equity

 

 

16.32

 

 

 

 

19.87

 

 

 

 

17.31

 

 

 

 

17.26

 

 

 

 

13.53

 

 

Return on average tangible equity

 

 

21.51

 

 

 

 

27.20

 

 

 

 

22.55

 

 

 

 

22.27

 

 

 

 

16.68

 

 

Net interest margin (tax equivalent)*

 

 

3.34

 

 

 

 

3.47

 

 

 

 

3.38

 

 

 

 

3.30

 

 

 

 

3.22

 

 

Efficiency ratio*

 

 

44.93

 

 

 

 

42.39

 

 

 

 

43.10

 

 

 

 

41.61

 

 

 

 

44.16

 

 

*Calculations have 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

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

Balance at beginning of period

$

 

75,834

 

 

$

 

74,108

 

 

$

 

71,932

 

 

$

 

66,913

 

 

$

 

63,465

 

 

Loans charged-off

 

 

(288

)

 

 

 

(1,225

)

 

 

 

(293

)

 

 

 

(275

)

 

 

 

(659

)

 

Loan recoveries

 

 

565

 

 

 

 

320

 

 

 

 

1,409

 

 

 

 

1,191

 

 

 

 

360

 

 

Net recoveries (charge-offs)

 

 

277

 

 

 

 

(905

)

 

 

 

1,116

 

 

 

 

916

 

 

 

 

(299

)

 

Provision for loan losses

 

 

4,707

 

 

 

 

2,631

 

 

 

 

1,060

 

 

 

 

4,103

 

 

 

 

3,747

 

 

Balance at end of period

$

 

80,818

 

 

$

 

75,834

 

 

$

 

74,108

 

 

$

 

71,932

 

 

$

 

66,913

 

 

 

ALLOWANCE FOR UNFUNDED COMMITMENTS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance at beginning of period

$

 

12,323

 

 

$

 

10,879

 

 

$

 

8,718

 

 

$

 

7,471

 

 

$

 

6,436

 

 

Provision for unfunded commitments

 

 

(1,926

)

 

 

 

1,444

 

 

 

 

2,161

 

 

 

 

1,247

 

 

 

 

1,035

 

 

Balance at end of period

$

 

10,397

 

 

$

 

12,323

 

 

$

 

10,879

 

 

$

 

8,718

 

 

$

 

7,471

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses /

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

period-end loans held-for-investment

 

 

1.23

 

%

 

 

1.18

 

%

 

 

1.18

 

%

 

 

1.22

 

%

 

 

1.20

 

%

Allowance for loan losses /

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

nonperforming loans

 

 

334.06

 

 

 

 

311.75

 

 

 

 

301.02

 

 

 

 

281.90

 

 

 

 

232.71

 

 

Net charge-offs (recoveries) / average total loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(annualized)

 

 

(0.02

)

 

 

 

0.06

 

 

 

 

(0.07

)

 

 

 

(0.06

)

 

 

 

0.02

 

 

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

COMPOSITION OF LOANS HELD-FOR-INVESTMENT

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

C&I

$

 

954,531

 

 

$

 

917,148

 

 

$

 

871,133

 

 

$

 

837,627

 

 

$

 

822,310

 

 

PPP

 

 

155

 

 

 

 

169

 

 

 

 

202

 

 

 

 

2,301

 

 

 

 

15,739

 

 

Municipal

 

 

221,379

 

 

 

 

221,090

 

 

 

 

214,852

 

 

 

 

200,577

 

 

 

 

191,799

 

 

Total Commercial

 

 

1,176,065

 

 

 

 

1,138,407

 

 

 

 

1,086,187

 

 

 

 

1,040,505

 

 

 

 

1,029,848

 

 

Agricultural

 

 

77,017

 

 

 

 

76,947

 

 

 

 

76,937

 

 

 

 

90,420

 

 

 

 

82,883

 

 

Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction & Development

 

 

921,190

 

 

 

 

959,426

 

 

 

 

938,051

 

 

 

 

928,644

 

 

 

 

806,211

 

 

Farm

 

 

307,706

 

 

 

 

306,322

 

 

 

 

268,139

 

 

 

 

250,028

 

 

 

 

225,942

 

 

Non-Owner Occupied CRE

 

 

737,117

 

 

 

 

732,089

 

 

 

 

717,738

 

 

 

 

636,432

 

 

 

 

636,160

 

 

Owner Occupied CRE

 

 

1,043,018

 

 

 

 

954,400

 

 

 

 

945,665

 

 

 

 

909,899

 

 

 

 

881,181

 

 

Residential

 

 

1,628,841

 

 

 

 

1,575,758

 

 

 

 

1,536,180

 

 

 

 

1,412,125

 

 

 

 

1,352,162

 

 

Total Real Estate

 

 

4,637,872

 

 

 

 

4,527,995

 

 

 

 

4,405,773

 

 

 

 

4,137,128

 

 

 

 

3,901,656

 

 

Consumer:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

537,410

 

 

 

 

550,635

 

 

 

 

538,798

 

 

 

 

468,147

 

 

 

 

419,818

 

 

Non-Auto

 

 

147,851

 

 

 

 

147,884

 

 

 

 

147,793

 

 

 

 

142,382

 

 

 

 

131,964

 

 

Total Consumer

 

 

685,261

 

 

 

 

698,519

 

 

 

 

686,591

 

 

 

 

610,529

 

 

 

 

551,782

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans held-for-investment

$

 

6,576,215

 

 

$

 

6,441,868

 

 

$

 

6,255,488

 

 

$

 

5,878,582

 

 

$

 

5,566,169

 

 

 

SUMMARY OF LOAN CLASSIFICATION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Special Mention

$

 

65,141

 

 

$

 

49,382

 

 

$

 

43,149

 

 

$

 

46,512

 

 

$

 

47,445

 

 

Substandard

 

 

91,915

 

 

 

 

101,316

 

 

 

 

100,568

 

 

 

 

106,156

 

 

 

 

104,715

 

 

Doubtful

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

Total classified loans

$

 

157,056

 

 

$

 

150,698

 

 

$

 

143,717

 

 

$

 

152,668

 

 

$

 

152,160

 

 

 

NONPERFORMING ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonaccrual loans

$

 

24,171

 

 

$

 

24,325

 

 

$

 

24,604

 

 

$

 

25,495

 

 

$

 

28,743

 

 

Accruing loans 90 days past due

 

 

22

 

 

 

 

-

 

 

 

 

15

 

 

 

 

22

 

 

 

 

11

 

 

Total nonperforming loans

 

 

24,193

 

 

 

 

24,325

 

 

 

 

24,619

 

 

 

 

25,517

 

 

 

 

28,754

 

 

Foreclosed assets

 

 

196

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

 

 

-

 

 

Total nonperforming assets

$

 

24,389

 

 

$

 

24,325

 

 

$

 

24,619

 

 

$

 

25,517

 

 

$

 

28,754

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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

 

 

0.37

 

%

 

 

0.38

 

%

 

 

0.39

 

%

 

 

0.43

 

%

 

 

0.52

 

%

As a % of end of period total assets

 

 

0.19

 

 

 

 

0.19

 

 

 

 

0.19

 

 

 

 

0.19

 

 

 

 

0.22

 

 

 

 

 

 

FIRST FINANCIAL BANKSHARES, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(In thousands)

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

CAPITAL RATIOS

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

Common equity Tier 1 capital ratio

 

 

18.68

 

%

 

 

18.22

 

%

 

 

18.03

 

%

 

 

18.50

 

%

 

 

19.00

 

%

Tier 1 capital ratio

 

 

18.68

 

 

 

 

18.22

 

 

 

 

18.03

 

 

 

 

18.50

 

 

 

 

19.00

 

 

Total capital ratio

 

 

19.79

 

 

 

 

19.29

 

 

 

 

19.07

 

 

 

 

19.54

 

 

 

 

20.01

 

 

Tier 1 leverage ratio

 

 

11.53

 

 

 

 

10.96

 

 

 

 

10.79

 

 

 

 

10.65

 

 

 

 

10.78

 

 

Tangible common equity ratio

 

 

8.33

 

 

 

 

7.51

 

 

 

 

6.38

 

 

 

 

7.83

 

 

 

 

9.02

 

 

Equity/Assets ratio

 

 

10.55

 

 

 

 

9.76

 

 

 

 

8.64

 

 

 

 

10.02

 

 

 

 

11.18

 

 

 

 

Quarter Ended

 

 

2023

 

 

 

2022

 

 

NONINTEREST INCOME

 

Mar. 31,

 

 

 

Dec. 31,

 

 

 

Sept. 30,

 

 

 

June 30,

 

 

 

Mar. 31,

 

 

Trust fees

$

 

9,845

 

 

$

 

10,122

 

 

$

 

10,314

 

 

$

 

9,742

 

 

$

 

9,817

 

 

Service charges on deposits

 

 

6,036

 

 

 

 

6,397

 

 

 

 

6,399

 

 

 

 

6,038

 

 

 

 

5,706

 

 

Debit card fees

 

 

4,936

 

 

 

 

5,899

 

 

 

 

5,587

 

 

 

 

9,868

 

 

 

 

8,926

 

 

Credit card fees

 

 

609

 

 

 

 

632

 

 

 

 

651

 

 

 

 

700

 

 

 

 

602

 

 

Gain on sale and fees on mortgage loans

 

 

2,974

 

 

 

 

2,904

 

 

 

 

4,070

 

 

 

 

5,728

 

 

 

 

6,333

 

 

Net gain on sale of available-for-sale securities

 

 

12

 

 

 

 

131

 

 

 

 

334

 

 

 

 

1,648

 

 

 

 

31

 

 

Net gain on sale of foreclosed assets

 

 

34

 

 

 

 

-

 

 

 

 

349

 

 

 

 

18

 

 

 

 

1,084

 

 

Net gain (loss) on sale of assets

 

 

930

 

 

 

 

(2

)

 

 

 

526

 

 

 

 

6

 

 

 

 

(10

)

 

Interest on loan recoveries

 

 

346

 

 

 

 

244

 

 

 

 

664

 

 

 

 

1,649

 

 

 

 

283

 

 

Other noninterest income

 

 

2,285

 

 

 

 

2,197

 

 

 

 

2,049

 

 

 

 

1,920

 

 

 

 

2,109

 

 

Total noninterest income

$

 

28,007

 

 

$

 

28,524

 

 

$

 

30,943

 

 

$

 

37,317

 

 

$

 

34,881

 

 

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries, commissions and employee benefits, excluding profit sharing

$

 

31,431

 

 

$

 

32,391

 

 

$

 

33,129

 

 

$

 

31,840

 

 

$

 

32,540

 

 

Profit sharing expense

 

 

30

 

 

 

 

565

 

 

 

 

763

 

 

 

 

1,307

 

 

 

 

1,598

 

 

Net occupancy expense

 

 

3,430

 

 

 

 

3,350

 

 

 

 

3,440

 

 

 

 

3,292

 

 

 

 

3,225

 

 

Equipment expense

 

 

2,127

 

 

 

 

2,053

 

 

 

 

2,396

 

 

 

 

2,346

 

 

 

 

2,257

 

 

FDIC assessment fees

 

 

1,654

 

 

 

 

1,021

 

 

 

 

917

 

 

 

 

904

 

 

 

 

869

 

 

Debit card expense

 

 

3,199

 

 

 

 

3,054

 

 

 

 

3,013

 

 

 

 

3,200

 

 

 

 

2,964

 

 

Legal, tax and professional fees

 

 

2,687

 

 

 

 

2,814

 

 

 

 

2,604

 

 

 

 

2,513

 

 

 

 

2,957

 

 

Audit fees

 

 

540

 

 

 

 

451

 

 

 

 

451

 

 

 

 

450

 

 

 

 

451

 

 

Printing, stationery and supplies

 

 

710

 

 

 

 

473

 

 

 

 

600

 

 

 

 

501

 

 

 

 

540

 

 

Amortization of intangible assets

 

 

228

 

 

 

 

299

 

 

 

 

306

 

 

 

 

320

 

 

 

 

320

 

 

Advertising, meals and public relations

 

 

1,475

 

 

 

 

1,646

 

 

 

 

1,692

 

 

 

 

1,554

 

 

 

 

1,493

 

 

Operational and other losses

 

 

931

 

 

 

 

982

 

 

 

 

869

 

 

 

 

782

 

 

 

 

596

 

 

Software amortization and expense

 

 

2,311

 

 

 

 

2,420

 

 

 

 

2,564

 

 

 

 

2,522

 

 

 

 

2,457

 

 

Other noninterest expense

 

 

6,503

 

 

 

 

6,259

 

 

 

 

6,698

 

 

 

 

6,802

 

 

 

 

6,958

 

 

Total noninterest expense

$

 

57,256

 

 

$

 

57,778

 

 

$

 

59,442

 

 

$

 

58,333

 

 

$

 

59,225

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TAX EQUIVALENT YIELD ADJUSTMENT*

$

 

3,131

 

 

$

 

3,751

 

 

$

 

3,807

 

 

$

 

4,083

 

 

$

 

3,782

 

 

*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

 

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

 

 

 

Three Months Ended

 

Sept. 30, 2022

 

 

 

June 30, 2022

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold

$

 

3,107

 

 

$

 

19

 

 

 

 

2.49

 

%

 

 

 

$

 

1,466

 

 

$

 

5

 

 

 

 

1.45

 

%

Interest-bearing demand deposits in nonaffiliated banks

 

 

248,929

 

 

 

 

1,413

 

 

 

 

2.25

 

 

 

 

 

 

 

288,784

 

 

 

 

547

 

 

 

 

0.76

 

 

Taxable securities

 

 

4,039,107

 

 

 

 

20,799

 

 

 

 

2.06

 

 

 

 

 

 

 

4,101,751

 

 

 

 

19,151

 

 

 

 

1.87

 

 

Tax-exempt securities

 

 

2,164,829

 

 

 

 

16,423

 

 

 

 

3.03

 

 

 

 

 

 

 

2,376,324

 

 

 

 

17,873

 

 

 

 

3.01

 

 

Loans

 

 

6,082,649

 

 

 

 

77,880

 

 

 

 

5.08

 

 

 

 

 

 

 

5,720,804

 

 

 

 

68,488

 

 

 

 

4.80

 

 

Total interest-earning assets

 

 

12,538,621

 

 

$

 

116,534

 

 

 

 

3.69

 

%

 

 

 

 

 

12,489,129

 

 

$

 

106,064

 

 

 

 

3.41

 

%

Noninterest-earning assets

 

 

833,980

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

825,711

 

 

 

 

 

 

 

 

 

 

Total assets

$

 

13,372,601

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

13,314,840

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 

7,004,478

 

 

$

 

8,787

 

 

 

 

0.50

 

%

 

 

 

$

 

7,049,041

 

 

$

 

2,967

 

 

 

 

0.17

 

%

Borrowings

 

 

768,096

 

 

 

 

784

 

 

 

 

0.40

 

 

 

 

 

 

 

730,477

 

 

 

 

232

 

 

 

 

0.13

 

 

Total interest-bearing liabilities

 

 

7,772,574

 

 

$

 

9,571

 

 

 

 

0.49

 

%

 

 

 

 

 

7,779,518

 

 

$

 

3,199

 

 

 

 

0.16

 

%

Noninterest-bearing deposits

 

 

4,178,675

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4,064,207

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

61,320

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

65,475

 

 

 

 

 

 

 

 

 

 

Shareholders' equity

 

 

1,360,032

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1,405,640

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

 

13,372,601

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

13,314,840

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income and margin (tax equivalent)*

 

 

 

 

$

 

106,963

 

 

 

 

3.38

 

%

 

 

 

 

 

 

 

$

 

102,865

 

 

 

 

3.30

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mar. 31, 2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average

 

 

 

Tax Equivalent

 

 

 

Yield /

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance

 

 

 

Interest

 

 

 

Rate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold

$

 

1,015

 

 

$

 

1

 

 

 

 

0.52

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits in nonaffiliated banks

 

 

171,970

 

 

 

 

94

 

 

 

 

0.22

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable securities

 

 

4,231,949

 

 

 

 

17,823

 

 

 

 

1.68

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tax-exempt securities

 

 

2,612,025

 

 

 

 

18,107

 

 

 

 

2.77

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

 

5,487,538

 

 

 

 

64,766

 

 

 

 

4.79

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-earning assets

 

 

12,504,497

 

 

$

 

100,791

 

 

 

 

3.27

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-earning assets

 

 

744,810

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

$

 

13,249,307

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

$

 

6,898,059

 

 

$

 

1,369

 

 

 

 

0.08

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Borrowings

 

 

781,314

 

 

 

 

201

 

 

 

 

0.10

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest-bearing liabilities

 

 

7,679,373

 

 

$

 

1,570

 

 

 

 

0.08

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing deposits

 

 

3,827,451

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

64,999

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shareholders' equity

 

 

1,677,484

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

$

 

13,249,307

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income and margin (tax equivalent)*

 

 

 

 

$

 

99,221

 

 

 

 

3.22

 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*Calculations have been adjusted to remove effect of TEFRA disallowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Document And Entity Information
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Document Type 8-K
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Document Period End Date Apr. 20, 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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