First Financial Bankshares Q3 net income $55.3M, EPS $0.39 vs $0.35 YoY; loans grow 10.8% annualized

FIRST FINANCIAL BANKSHARES INC

2024-Q3 EPS reported $1.13

GAAP diluted EPS $0.39 vs $0.35 a year ago; net income up 11.6% to $55.3M from $49.6M.
Net interest income $107.1M (+13.8% YoY); NIM improved to 3.50% from 3.22%; average earning assets $12.48B.
Loans $7.72B, up $203M (10.8% annualized) from Q2; deposits & repos $11.81B, up $265M (9.1% annualized).
Provision for credit losses $6.12M vs $2.28M YoY; NPA ratio 0.83% vs 0.57% YoY; classified loans $229.9M.
Efficiency ratio improved to 46.45% from 47.62% YoY; trust fee income grew 16.4% to $11.66M.

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