Mar 31, 2020

First Financial Q1 2020 Earnings Report

First Financial Bankshares' earnings decreased compared to the same quarter last year.

Key Takeaways

First Financial Bankshares reported earnings of $37.23 million for the first quarter of 2020, a decrease from $38.25 million in the same quarter last year. The results include the acquisition of TB&T Bancshares, Inc. Net interest income increased by 16.38 percent, while the provision for loan losses significantly increased due to economic uncertainty.

Earnings for the first quarter of 2020 were $37.23 million, down from $38.25 million in the same quarter last year.

Basic earnings per share were $0.26, compared to $0.28 in the same quarter last year.

Net interest income rose by 16.38 percent to $80.90 million, driven by an increase in average interest earning assets.

Provision for loan losses increased to $9.85 million, reflecting growth in the loan portfolio and economic uncertainty.

Total Revenue
$110M
Previous year: $94M
+16.7%
EPS
$0.26
Previous year: $0.28
-7.1%
Efficiency Ratio
49.63%
Previous year: 49.46%
+0.3%
Cash and Equivalents
$191M
Previous year: $176M
+8.6%
Total Assets
$9.7B
Previous year: $7.95B
+22.1%

First Financial

First Financial

First Financial Revenue by Segment

Forward Guidance

No specific forward guidance was provided in the earnings report.