First Financial Bank Mortgage Rates, Fees & Info
Abilene, TXLEI: 549300IVURCTJ6QVMD67
Tax ID: 75-0264200
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Mortgage Data
Bank Data
Review & Overview
First Financial Bank is a smaller bank specializing in Home Purchase loans. First Financial Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Abilene, Houston, Beaumont, and San Angelo among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)First Financial Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 9/1/24 |
| 30 Year Conventional Purchase | 6.71% | 9/1/24 |
| 30 Year Conventional Refi | 6.54% | 9/1/24 |
| 30 Year Cash-out Refi | 6.77% | 9/1/24 |
| 30 Year FHA Purchase | 7.64% | 9/1/24 |
| 30 Year FHA Refi | 7.40% | 9/1/24 |
| 30 Year VA Purchase | 6.23% | 9/1/24 |
| 30 Year VA Refi | 6.58% | 9/1/24 |
| 30 Year USDA Purchase | 6.94% | 9/1/24 |
| 15 Year Conventional Purchase | 6.52% | 9/1/24 |
| 15 Year Conventional Refi | 6.48% | 9/1/24 |
| 15 Year Cash-out Refi | 6.48% | 9/1/24 |
| 15 Year VA Purchase | 6.71% | 9/1/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First Financial Bank Mortgage Calculator
Your Estimates
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This is not an official calculator from First Financial Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,524Origination Dollar Volume (All Markets)
$697,040,000Employee count
1,176Awards
First Financial Bank - 2018
First Financial Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1,182 | $277,840,000 | $235,059 | $4,536 | 5.10% |
| ABILENE, TX (FHA|USDA|VA) | 790 | $127,620,000 | $161,544 | $4,145 | 5.01% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 296 | $77,450,000 | $261,655 | $4,526 | 5.16% |
| Outside of Metro Areas | 291 | $43,805,000 | $150,533 | $3,550 | 5.45% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 224 | $37,650,000 | $168,080 | $3,033 | 5.43% |
| SAN ANGELO, TX (FHA|USDA|VA) | 182 | $33,500,000 | $184,066 | $4,542 | 5.09% |
| Granbury, TX (FHA|USDA|VA) | 143 | $28,455,000 | $198,986 | $3,793 | 4.95% |
| Stephenville, TX (FHA|USDA|VA) | 88 | $13,890,000 | $157,841 | $3,554 | 5.23% |
| Mineral Wells, TX (FHA|USDA|VA) | 66 | $11,460,000 | $173,636 | $3,322 | 5.47% |
| Huntsville, TX (FHA|USDA|VA) | 31 | $5,395,000 | $174,032 | $4,082 | 5.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $4,790,000 | $342,143 | $6,220 | 4.73% |
| Sweetwater, TX (FHA|USDA|VA) | 36 | $3,060,000 | $85,000 | $2,612 | 5.77% |
| Brownwood, TX (FHA|USDA|VA) | 12 | $3,040,000 | $253,333 | $4,722 | 5.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $3,025,000 | $275,000 | $6,265 | 4.65% |
| MIDLAND, TX (FHA|USDA|VA) | 13 | $2,385,000 | $183,462 | $2,927 | 5.53% |
| Hereford, TX (FHA|USDA|VA) | 21 | $1,605,000 | $76,429 | $2,891 | 5.33% |
| LUBBOCK, TX (FHA|USDA|VA) | 10 | $1,600,000 | $160,000 | $4,240 | 4.79% |
| Athens, TX (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $3,164 | 5.62% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 9 | $1,555,000 | $172,778 | $4,005 | 5.27% |
| AMARILLO, TX (FHA|USDA|VA) | 10 | $1,370,000 | $137,000 | $4,516 | 5.57% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $5,860 | 5.03% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $7,211 | 5.06% |
| ODESSA, TX (FHA|USDA|VA) | 10 | $1,000,000 | $100,000 | $2,844 | 5.60% |
| Snyder, TX (FHA|USDA|VA) | 8 | $950,000 | $118,750 | $4,381 | 5.33% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $920,000 | $92,000 | $0 | 5.30% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $5,623 | 4.73% |
| Ruidoso, NM (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $2,997 | 5.00% |
| Bay City, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,581 | 5.06% |
| WACO, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,061 | 4.97% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 5.53% |
| El Campo, TX (FHA|USDA|VA) | 7 | $545,000 | $77,857 | $3,073 | 6.01% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,586 | 4.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $18,242 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,872 | 5.56% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,981 | 5.13% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,122 | 5.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,947 | 5.00% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 5.50% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,150 | 4.63% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,904 | 4.45% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,578 | 4.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,517 | 4.88% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $4,251 | 5.39% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 5.25% |
| Altus, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,271 | 4.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 5.31% |
| Brenham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,438 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,972 | 4.13% |
| Dumas, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,572 | 4.75% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,223 | 4.88% |
| Andrews, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,862 | 4.25% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,977 | 4.75% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,057 | 4.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.90% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.50% |
| Rockport, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,974 | 6.50% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against First Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, First Financial Bank's most frequently originated type of loan was Conventional, with 2,822 originations. Their 2nd most popular type was HELOC, with 289 originations.
Loan Reason
For 2018, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 2,370 originations. The 2nd most popular reason was Cash Out Refi, with 412 originations.
Loan Duration/Length
For 2018, First Financial Bank's most frequently cited loan duration was 30 Year, with 1,688 originations. The 2nd most popular length was 15 Year, with 640 originations.
Origination Fees/Closing Costs
First Financial Bank's average total fees were $4,773, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,856 originations.
Interest Rates
During 2018, First Financial Bank's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 4-5%, with 1,644 originations.
Loan Sizing
2018 saw First Financial Bank place emphasis on $100k-200k loans with 1,157 originations, totaling $169,575,000 in origination value.
Applicant Income
First Financial Bank lent most frequently to those with incomes in the $100k-150k range, with 782 originations. The second most popular income band? $50k-75k, with 607 originations.
Applicant Debt to Income Ratio
First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 684 originations. The next most common DTI ratio? 30-36%, with 590 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.97%
First Financial Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.50%
First Financial Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,524 | $697,040,000 | $197,798 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HORIZON BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 7.1% |
| FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 7.1% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 7.1% |
| FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 1 | 7.1% |
| FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 5 | 35.7% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 7.1% |
| FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 3 | 21.4% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First Financial Bank, National Association | 1000 Forest Park Blvd Fort Worth, TX 76110 | Full Service B&M | $96,836 |
| First Financial Bank, National Association | 101 College Park Drive Weatherford, TX 76086 | Full Service B&M | $253,791 |
| First Financial Bank, National Association | 101 Northgate Dr Waxahachie, TX 75165 | Full Service B&M | $40,963 |
| First Financial Bank, National Association | 1010 North Judge Ely Boulevard Abilene, TX 79601 | Full Service B&M | $74,239 |
| First Financial Bank, National Association | 1015 West Northwest Highway Grapevine, TX 76051 | Full Service B&M | $16,550 |
| First Financial Bank, National Association | 10521 Fm 1097 West Willis, TX 77318 | Full Service B&M | $29,433 |
| First Financial Bank, National Association | 106 Main Street Ranger, TX 76470 | Full Service B&M | $50,522 |
| First Financial Bank, National Association | 1120 Fm 1189 Millsap, TX 76066 | Full Service B&M | $23,254 |
| First Financial Bank, National Association | 11399 Highway 105 East Conroe, TX 77303 | Full Service B&M | $17,761 |
| First Financial Bank, National Association | 1214 North Main Street Wetherford, TX 76086 | Full Service B&M | $40,592 |
| First Financial Bank, National Association | 125 North Main Trent, TX 79561 | Full Service B&M | $8,306 |
| First Financial Bank, National Association | 125 State Highway 150 West, Suite B1 New Waverly, TX 77358 | Full Service B&M | $14,879 |
| First Financial Bank, National Association | 132 Hill Street Albany, TX 76430 | Full Service B&M | $19,967 |
| First Financial Bank, National Association | 1345 Barrow Street Abilene, TX 79605 | Full Service Retail | $17,253 |
| First Financial Bank, National Association | 14125 Liberty Street Montgomery, TX 77316 | Full Service B&M | $48,555 |
| First Financial Bank, National Association | 1490 East Main Street Midlothian, TX 76065 | Full Service B&M | $31,799 |
| First Financial Bank, National Association | 151 West Southlake Boulevard Southlake, TX 76092 | Full Service B&M | $84,821 |
| First Financial Bank, National Association | 1600 South Morgan St. Granbury, TX 76049 | Full Service B&M | $52,105 |
| First Financial Bank, National Association | 1650 State Highway 351 Abilene, TX 79601 | Full Service Retail | $7,599 |
| First Financial Bank, National Association | 1800 East Hubbard Street Mineral Wells, TX 76067 | Full Service B&M | $219,297 |
| First Financial Bank, National Association | 1800 West White Oak Boulevard Conroe, TX 77304 | Full Service B&M | $228,849 |
| First Financial Bank, National Association | 1801 Antilley Road Abilene, TX 79606 | Full Service B&M | $68,865 |
| First Financial Bank, National Association | 1875 Lingleville Road Stephenville, TX 76401 | Full Service B&M | $0 |
| First Financial Bank, National Association | 1900 Southwest Wilshire Burleson, TX 76028 | Full Service B&M | $49,053 |
| First Financial Bank, National Association | 200 East Highway 67 Alvarado, TX 76009 | Full Service B&M | $118,753 |
| First Financial Bank, National Association | 200 North Ridgeway Drive Cleburne, TX 76031 | Full Service B&M | $88,487 |
| First Financial Bank, National Association | 2006 Conrad Hilton Blvd Cisco, TX 76437 | Full Service B&M | $73,215 |
| First Financial Bank, National Association | 2007 Highway 377 East Granbury, TX 76049 | Full Service B&M | $65,510 |
| First Financial Bank, National Association | 201 East Main Eastland, TX 76448 | Full Service B&M | $133,653 |
| First Financial Bank, National Association | 201 Elm Street Sweetwater, TX 79556 | Full Service B&M | $131,346 |
| First Financial Bank, National Association | 2201 W. South Loop Stephenville, TX 76401 | Full Service B&M | $239,625 |
| First Financial Bank, National Association | 2201 Westview Boulevard Conroe, TX 77304 | Full Service B&M | $12,627 |
| First Financial Bank, National Association | 222 South Koenigheim Street San Angelo, TX 76903 | Limited, Drive-thru | $0 |
| First Financial Bank, National Association | 24080 Us Highway 50 North Kingwood, TX 77339 | Full Service B&M | $119,365 |
| First Financial Bank, National Association | 2617 Antilley Road Abilene, TX 79606 | Limited, Mobile/Seasonal Office | $1,466 |
| First Financial Bank, National Association | 26252 Kuykendahl Rd The Woodlands, TX 77375 | Full Service B&M | $5,988 |
| First Financial Bank, National Association | 2915 Fall Creek Highway Granbury, TX 76049 | Full Service B&M | $34,410 |
| First Financial Bank, National Association | 29818 Fm 1093 Suite 100 Fulshear, TX 77441 | Full Service B&M | $28,237 |
| First Financial Bank, National Association | 301 Edwards Merkel, TX 79536 | Full Service B&M | $14,415 |
| First Financial Bank, National Association | 301 West Beauregard Street San Angelo, TX 76903 | Full Service B&M | $423,156 |
| First Financial Bank, National Association | 33 Highway 75 North Huntsville, TX 77340 | Full Service B&M | $171,923 |
| First Financial Bank, National Association | 3300 South 14th Street Abilene, TX 79605 | Full Service B&M | $171,127 |
| First Financial Bank, National Association | 3471 Knickerbocker Road San Angelo, TX 76904 | Full Service B&M | $217,267 |
| First Financial Bank, National Association | 3515 Dowlen Road Beaumont, TX 77706 | Full Service B&M | $58,538 |
| First Financial Bank, National Association | 3555 Billy Hext Road Odessa, TX 79765 | Full Service B&M | $30,279 |
| First Financial Bank, National Association | 400 Big Bend Trail Glen Rose, TX 76043 | Full Service B&M | $88,233 |
| First Financial Bank, National Association | 400 Ground Street Moran, TX 76464 | Full Service B&M | $18,406 |
| First Financial Bank, National Association | 400 Pine Street Abilene, TX 79601 | Full Service B&M | $774,880 |
| First Financial Bank, National Association | 401 North Mechanic Street El Campo, TX 77437 | Full Service B&M | $96,357 |
| First Financial Bank, National Association | 403 North Main & Herd Street Cleburne, TX 76031 | Limited, Drive-thru | $0 |
| First Financial Bank, National Association | 403 North Main Street Cleburne, TX 76031 | Full Service B&M | $131,154 |
| First Financial Bank, National Association | 4100 E I-20 South Service Rd Willow Park, TX 76087 | Full Service B&M | $81,643 |
| First Financial Bank, National Association | 4316 Buffalo Gap Road Abilene, TX 79606 | Full Service B&M | $0 |
| First Financial Bank, National Association | 4320 Buffalo Gap Road Abilene, TX 79605 | Full Service B&M | $0 |
| First Financial Bank, National Association | 4350 Southwest Drive Abilene, TX 79606 | Full Service Retail | $15,280 |
| First Financial Bank, National Association | 459 Main Street Palacios, TX 77465 | Full Service B&M | $57,659 |
| First Financial Bank, National Association | 505 Farm Road 1187 North Aledo, TX 76008 | Full Service B&M | $72,253 |
| First Financial Bank, National Association | 5257 Buffalo Gap Road Abilene, TX 79606 | Full Service B&M | $192,430 |
| First Financial Bank, National Association | 5424 Fm 1488 Magnolia, TX 77354 | Full Service B&M | $26,187 |
| First Financial Bank, National Association | 608 West Hale Ave Decatur, TX 76234 | Full Service B&M | $71,645 |
| First Financial Bank, National Association | 609 East Rock Island Boyd, TX 76023 | Full Service B&M | $41,680 |
| First Financial Bank, National Association | 701 North Pine Abilene, TX 79601 | Limited, Drive-thru | $0 |
| First Financial Bank, National Association | 718 Elm Street Clyde, TX 79510 | Full Service B&M | $59,301 |
| First Financial Bank, National Association | 745 Adams Drive Weatherford, TX 76086 | Full Service B&M | $18,348 |
| First Financial Bank, National Association | 812 Sixteenth Street Orange, TX 77630 | Full Service B&M | $253,448 |
| First Financial Bank, National Association | 8535 Central Mall Dr Port Arthur, TX 77642 | Full Service B&M | $59,931 |
| First Financial Bank, National Association | 891 Keller Parkway, Suite 100 Keller, TX 76248 | Full Service B&M | $47,867 |
| First Financial Bank, National Association | 909 Stevens Street Bridgeport, TX 76426 | Full Service B&M | $91,105 |
| First Financial Bank, National Association | 920 North Willis Abilene, TX 79603 | Full Service Retail | $10,126 |
| First Financial Bank, National Association | 95 Trophy Club Drive Trophy Club, TX 76262 | Full Service B&M | $87,582 |
| First Financial Bank, National Association | 960 North Main Street Vidor, TX 77662 | Full Service B&M | $67,507 |
| First Financial Bank, National Association | Highway 12 And Johnson Road Mauriceville, TX 77626 | Full Service B&M | $39,252 |
| First Financial Bank, National Association | North First And Concho Roby, TX 79543 | Full Service B&M | $20,599 |
| First Financial Bank, National Association | Rusk And Magnolia Streets Newton, TX 75966 | Full Service B&M | $27,044 |
| First Financial Bank, National Association | Third And Sampson Streets Hereford, TX 79045 | Full Service B&M | $166,385 |
| First Financial Bank, National Association | West College And Anderson Streets Rising Star, TX 76471 | Full Service B&M | $20,689 |
For 2018, First Financial Bank had 76 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $290,989 |
| Net interest income | $271,975 |
| Total noninterest income | $72,821 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $21,662 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $51,159 |
| Pre-tax net operating income | $167,295 |
| Securities gains (or losses, -) | $1,254 |
| Income before extraordinary items | $142,891 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $142,891 |
| Minority interest net income | $0 |
| Net income | $142,891 |
| Sale, conversion, retirement of capital stock, net | $1,002 |
| Net operating income | $141,825 |
First Financial Bank's gross interest income from loans was $290,989,000.
First Financial Bank's net interest income from loans was $271,975,000.
First Financial Bank's fee based income from loans was $21,662,000.
First Financial Bank's net income from loans was $142,891,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $19,014 |
| Provision for credit losses | $5,665 |
| Total noninterest expense | $171,836 |
| Salaries and employee benefits | $88,030 |
| Premises and equipment expense | $23,555 |
| Additional noninterest expense | $60,251 |
| Applicable income taxes | $25,658 |
| Net charge-offs | $2,619 |
| Cash dividends | $66,300 |
First Financial Bank's interest expense for loans was $19,014,000.
First Financial Bank's payroll and benefits expense were $88,030,000.
First Financial Bank's property, plant and equipment expenses $23,555,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $6,286,321 |
| Deposits held in domestic offices | $6,286,321 |
| Deposits by Individuals, partnerships, and corporations | $5,256,464 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $990,737 |
| Deposits by Commercial banks and other depository institutions in U.S. | $39,120 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,061,003 |
| Demand deposits | $675,680 |
| Nontransaction accounts | $5,225,318 |
| Money market deposit accounts (MMDAs) | $3,993,385 |
| Other savings deposits (excluding MMDAs) | $789,771 |
| Total time deposits | $442,161 |
| Total time and savings deposits | $5,610,641 |
| Noninterest-bearing deposits | $2,137,760 |
| Interest-bearing deposits | $4,148,561 |
| Retail deposits | $6,169,981 |
| IRAs and Keogh plan accounts | $76,587 |
| Brokered deposits | $1,400 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $7,703,083 |
| Cash & Balances due from depository institutions | $248,645 |
| Interest-bearing balances | $40,810 |
| Total securities | $3,136,440 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,924,105 |
| Loan and leases loss allowance | $51,202 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $130,903 |
| Other real estate owned | $448 |
| Goodwill and other intangibles | $173,960 |
| All other assets | $88,582 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $7,703,083 |
| Total Liabilities | $6,766,241 |
| Total deposits | $6,286,321 |
| Interest-bearing deposits | $4,148,561 |
| Deposits held in domestic offices | $6,286,321 |
| % insured (estimated) | $61 |
| Federal funds purchased and repurchase agreements | $413,706 |
| Trading liabilities | $0 |
| Other borrowed funds | $55,000 |
| Subordinated debt | $0 |
| All other liabilities | $11,214 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,924,105 |
| Loan and leases loss allowance | $51,202 |
| Total loans and leases (domestic) | $3,975,307 |
| All real estate loans | $2,661,018 |
| Real estate loans in domestic offices | $2,661,018 |
| Construction and development loans | $476,679 |
| Residential 1-4 family construction | $199,988 |
| Other construction, all land development and other land | $276,691 |
| Loans secured by nonfarm nonresidential properties | $892,550 |
| Nonfarm nonresidential secured by owner-occupied properties | $510,943 |
| Commercial real estate & other non-farm, non-residential | $381,607 |
| Multifamily residential real estate | $23,083 |
| 1-4 family residential loans | $1,130,772 |
| Farmland loans | $137,934 |
| Loans held in foreign offices | $0 |
| Farm loans | $96,677 |
| Commercial and industrial loans | $653,687 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $372,660 |
| Credit card loans | $0 |
| Related Plans | $4,188 |
| Consumer Auto Loans | $293,853 |
| Other loans to individuals | $74,619 |
| All other loans & leases | $191,266 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $692 |
| Loans to depository institutions and acceptances of other banks | $1,000 |
| Loans not secured by real estate | $15,865 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $512 |
| Non 1-4 family restructured loans & leases | $483 |
| Total loans and leases (foreign) | $0 |
First Financial Bank had $3,924,105,000 of loans outstanding in 2018. $2,661,018,000 of loans were in real estate loans. $476,679,000 of loans were in development loans. $23,083,000 of loans were in multifamily mortgage loans. $1,130,772,000 of loans were in 1-4 family mortgage loans. $96,677,000 of loans were in farm loans. $0 of loans were in credit card loans. $293,853,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,955 | $391,367 | $200,188 |
| Nonfarm, nonresidential loans - <$100k | 491 | $19,999 | $40,731 |
| Nonfarm, nonresidential loans - $100-250k | 650 | $78,497 | $120,765 |
| Nonfarm, nonresidential loans - $250k-1MM | 814 | $292,871 | $359,792 |
| Commercial & Industrial, US addressed loans - <$1MM | 5,869 | $329,171 | $56,086 |
| Commercial & Industrial, US addressed loans - <$100k | 4,638 | $108,463 | $23,386 |
| Commercial & Industrial, US addressed loans - $100-250k | 732 | $75,698 | $103,413 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 499 | $145,010 | $290,601 |
| Farmland loans - <$1MM | 623 | $72,259 | $115,986 |
| Farmland loans - <$100k | 270 | $10,747 | $39,804 |
| Farmland loans - $100-250k | 231 | $27,749 | $120,126 |
| Farmland loans - $250k-1MM | 122 | $33,763 | $276,746 |
| Agriculture operations loans - <$1MM | 1,318 | $54,683 | $41,489 |
| Agriculture operations loans - <$100k | 1,099 | $23,293 | $21,195 |
| Agriculture operations loans - $100-250k | 148 | $14,287 | $96,534 |
| Agriculture operations loans - $250k-1MM | 71 | $17,103 | $240,887 |