Stephenville B ank & Trust Co. Main Office 2201 W. South Loop Stephenville,Texas 76401 Chartered 1923  Branches 1875 Lingleville Road Stephenville,Texas 76401 199 N. Columbia Stephenville,Texas 76401 Senior Officers Ron Butler President and Chief Executive Officer Perry D. Elliott Vice Chairman Ken Luker Executive Vice President Monty Bedwell Senior Vice President Dereece Howell Senior Vice President and Cashier Terry McCoy Senior Vice President Robert Reeves Senior Vice President Directors James C. Terrell, Jr., M.D. Chairman of the Board Perry D. Elliott Vice Chairman Ron Butler President and Chief Executive Officer William L. Corbin Investments F. Scott Dueser First Financial Bankshares, Inc. Charles P. Gillespie, Jr. Engineer Curtis R. Harvey First Financial Bankshares, Inc. William H. Oxford Attorney Bill Parham Parham & Parham, CPAs Jerry Parham Investments Jack Parks Farmer  Ronald E. Schneider First Financial Bank, Cleburne Frank Terrell, M.D. Ophthalmologist John Terrill Attorney Advisory W.L. Nix Investments 21 Ron Butler President and Chief Executive Officer Assets $138,260 $130,186 Loans 75,454 71,367 Deposits 125,226 118,903 Equity 12,755 10,954 Net Income 2,313 2,151 Trust Assets 36,578 40,859 Return on Average Assets 1.75% 1.79% Return on Average Equity 19.06 19.88 IN THOUSANDS December 31, 2002 December 31, 2001