22 Assets $112,079 $104,968 Loans 49,487 46,666 Deposits 100,306 90,100 Equity 11,114 10,204 Net Income 2,078 1,605 Trust Assets 64,854 66,118 Return on Average Assets 1.99% 1.53% Return on Average Equity 19.15 15.82 IN THOUSANDS December 31, 2002 December 31, 2001 3 8 % Nolan and Fisher Counties  Deposit Market Share J.V. Martin Chairman of the Board, President and  Chief Executive Officer First National B ank, Sweetwater Main Office Directors Senior Officers 201 Elm Street  Sweetwater, Texas 79556 Chartered 1948  Branches 123 N. Concho Roby, Texas 79543 117 N. Main Trent, Texas 79561 J.V. Martin Chairman of the Board, President and  Chief Executive Officer Kirby Andrews Senior Vice President, Lending Rodney Foster Senior Vice President, Lending Janis McDowell Senior Vice President, Trust Officer Donnie Ruppert Senior Vice President and Controller J.V. Martin Chairman of the Board, President and  Chief Executive Officer Glenn D. Bennett Bennett & Associates Louis Brooks, Jr. Ranching, Brooks-Maberry, Inc. Bill W. Burns President, Bill Burns Oil Co., Inc. Ronnie Cox Owner, Cox Jewelry F. Scott Dueser First Financial Bankshares, Inc. Cecil J. King Retired Pr esident, C itizens State Bank, Roby Thomas L. Rees, Sr. Rees and Rees, Attorneys