First Financial B ank, National Association, Southlake Mark L. Jones President and Chief Executive Officer Assets $67,750 $65,554 Loans 45,132 42,366 Deposits 61,532 59,672 Equity 6,295 5,845 Net Income 412 652 Return on Average Assets 0.62% 1.07% Return on Average Equity 6.74 10.97 IN THOUSANDS December 31, 2002 December 31, 2001 20 Perry D. Elliott Chairman of the Board Mark L. Jones President and Chief Executive Officer F. Mills Shallene Senior Vice President J. Sean Shope Senior Vice President Michele P. Stevens Senior Vice President and Cashier Jack Dortch Jack Dortch Insurance Agency F. Scott Dueser First Financial Bankshares, Inc. Derrell Johnson President, American Council of Engineering Companies Life Health Trust Mark L. Jones President and Chief Executive Officer K. Wayne Lee President, DDFW P roperties Robert S. Mundlin Owner, Lifetime Benefits Insurance Jim Ridenour President, Sunbelt Station Service Perry D. Elliott Chairman of the Board James E. Burger Burger Construction 95 Trophy Club Drive Trophy Club, Texas 76262 891 E. Keller Parkway Suite 100 Keller, Texas 76248 3205 E. Highway 114  Southlake, Texas 76092  Chartered 1985  Directors Main Office Branches Senior Officers Southlake 9 % Cities of Southlake, Keller and Roanoke Deposit Market Share