City National B ank, Mineral Wells Brad Seay Executive Vice President Jimmy Seay Investments and Ranching Walter Joe Thomas, D.D.S. Dentist David Ramsey, M.D. Family Practice Center Don O’Neal Don O’Neal Distributing Company, Inc., O’Neal Enterprises, Inc. Terry L. Murphy President and Chief Executive Officer, Murphy and Murphy, Inc. F. Scott Dueser First Financial Bankshares, Inc. Ken A. Williamson Chairman of the Board, President and  Chief Executive Officer 1800 E. Hubbard  MineralWells,Texas 76068 Chartered 1925 Ken A. Williamson Chairman of the Board, President and  Chief Executive Officer Brad Seay Executive Vice President, Lending Eddie Gregory Vice President Kay Hudspeth Cashier Mike Mearse Vice President Directors Senior Officers Office Mineral Wells 18 Ken A. Williamson Chairman of the Board, President and  Chief Executive Officer Assets $93,969 $91,252 Loans 51,224 48,838 Deposits 84,043 82,339 Equity 9,538 8,433 Net Income 1,659 574 Return on Average Assets 1.79% 1.25% Return on Average Equity 18.02 13.22 IN THOUSANDS December 31, 2002 December 31, 2001 2 6 % Palo Pinto County Deposit Market Share