Hereford
Ofﬁce
212 E. Third Street 
Hereford, T exas 79045
Chartered 1947 
Senior Ofﬁcers
Craig Smith
Chairman of the Board
Mike Mauldin
President and Chief Executive Ofﬁcer
Terry Bromlow
Executive Vice President
Steve Gilbert
Senior Vice President and Cashier
Jeff Brown
Senior Vice President
Directors
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
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
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
Hereford State Bank
48
%Deaf Smith County Deposit Market Share
17
Mike Mauldin
President and 
Chief Executive Ofﬁcer