First F inancial B ank, National Association, Cleburne Directors Senior Officers Main Office Jim Easdon Investments  Curtis R. Harvey First Financial Bankshares, Inc. Hollis E. (Gene) Joslin Investments  Brent D. Magers Chief Ex ecutiv e  Officer and Administrator, Walls Regional H ospital George Marti Marti Enterprises Ronald E. Schneider Chairman of the Board, President and  Chief Executive Officer Albert A. Archer Chairman of the Board, Walls Industries, Inc. Gary Bennett Bennett Printing & Office Supply Robert T. Childress Investments F. Scott Dueser First Financial Bankshares, Inc. Perry Ginn Executive Vice President Ronald E. Schneider Chairman of the Board, President and  Chief Executive Officer 201 E. Highway 67 Alvarado,Texas 76009 1900 S.W. Wilshire Burleson, Texas 76028 200 N. Ridgeway Cleburne,Texas 76033 403 N. Main  Cleburne,Texas 76033 Chartered 1927  Homer S. Pittman, Jr. Senior Vice President and Cashier Craig Beskow Senior Vice President Derek Schmidt Senior Vice President Branches Ronald E. Schneider Chairman of the Board, President and  Chief Executive Officer 2 % Johnson County Deposit Market Share 15 Assets $205,591 $209,159 Loans 106,755 108,607 Deposits 182,715 189,597 Equity 20,364 18,040 Net Income 3,451 3,120 Return on Average Assets 1.72% 1.62% Return on Average Equity 17.66 17.08 IN THOUSANDS December 31, 2002 December 31, 2001