Hereford S tate B ank Directors Office Senior Officers Craig Smith Chairman of the Board Joe Artho Retired General Manager, Hereford Grain Corp. Terry Bromlow Executive Vice President F. Scott Dueser First Financial Bankshares, Inc. Terry Langehennig Cowsert, Line and Langehennig, Attorneys Steve Lewis, D.V.M. Manager and Senior Partner, Hereford Veterinary Clinic Mike Mauldin President and Chief Executive Officer Jeff Brown Senior Vice President Steve Gilbert Senior Vice President and Cashier Terry Bromlow Executive Vice President Mike Mauldin President and Chief Executive Officer Craig Smith Chairman of the Board 212 E. Third Street  Hereford,Texas 79045 Chartered 1947  Garth Merrick President and Chief Executive Officer, Merrick Petfoods, Inc. Allen Parson Restaurateur and Investments Jerry Stevens Vice President and General Manager,  Stevens 5-Star Car and Truck Center Johnny Trotter Ranching, Farming and Cattle Feeding Roger Williams Farming Mike Mauldin President and  Chief Executive Officer 4 8 % Deaf Smith County Deposit Market Share Assets $80,976 $84,246 Loans 38,383 46,261 Deposits 71,926 70,546 Equity 8,529 8,120 Net Income 1,205 1,277 Return on Average Assets 1.48% 1.57% Return on Average Equity 14.41 15.64 IN THOUSANDS December 31, 2002 December 31, 2001 17