First National B ank of Abilene Senior Officers Main Office Branches Advisory 400 Pine Street  Abilene, Texas 79601 Chartered 1890  4400 Buffalo Gap Road Abilene, Texas 79606 4350 Southwest Drive Abilene, Texas 79606 920 N. Willis Abilene, Texas 79603 3300 S. 14th Street Abilene, Texas 79605 1010 N. Judge Ely Blvd. Abilene, Texas 79601 701 Pine Street Abilene, Texas 79601 1345 Barrow Street Abilene, Texas 79605 F. Scott Dueser Chairman of the Board Chuck A. Cowell President and Chief Executive Officer Ron Fogle Executive Vice President, Commercial Loans Robert S. Patterson Executive Vice President and  Senior Trust Officer John Prince Executive Vice President, Personal Loans Bynum Miers Rancher William D. Minter Vice President, CameraMouse Stanley Morris, Jr. Investments  Kenneth T. Murphy First Financial B ankshar es, Inc. James Parker President, Parker Properties, Inc. Jack D. Ramsey, M.D. Physician Dian Graves Stai Investments Michael C. Waters, F.A.C.H.E. President, Hendrick Health System Bob J. Surovik McMahon, Surovik, Suttle, Buhrmann,  Hicks and Gill, P.C. Steve Suttle McMahon, Surovik, Suttle, Buhrmann,  Hicks and Gill, P.C. 14 Assets $705,468 $670,959 Loans 353,564 344,341 Deposits 624,262 598,310 Equity 68,670 63,276 Net Income 14,277 13,051 Trust Assets 740,745 722,504 Return on Average Assets 2.12% 1.98% Return on Average Equity 21.05 20.19 IN THOUSANDS December 31, 2002 December 31, 2001 A bilene 4 6 % Taylor County Deposit Market Share Chuck A. Cowell President and  Chief Executive Officer Dir ectors Mario A. Luppino Executive  Vice President, Marketing and Retail Gary T ucker , CDP Executive  Vice President and  Chief I nfor mation Officer Leo Dennis Executive  Vice President, Chief Financial Officerand C ashier Chuck A. Cowell President and Chief Executive Officer J. Michael Alexander President, J ames M. Alexander & Co. Tucker S. Bridwell President and Chief Executive Officer, Mansefeldt I nvestments, Inc. Joseph E. Canon Executive Director, Dodge Jones Foundation David Copeland President, Shelton Family Foundation Joe Crawford President, Abilene Aero, Inc. F. Scott Dueser First Financial Bankshares, Inc. Charles Ezzell Investments Allan D. Frizzell Executive Vice President, Enrich Oil Corporation Raymond A. McDaniel, Jr. Investments 