Southlake
First Financial Bank,
National Association, Southlake
Main Ofﬁce
3205 E. Highway 114 
Southlake, T exas  76092 
Chartered 1985 
Branches
95 T rophy Club Drive
Trophy Club, T exas 76262
891 E. Keller Parkway
Suite 100
Keller, T exas 76248
Senior Ofﬁcers
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
Directors
Perry D. Elliott
Chairman of the Board
James E. Burger
Burger Construction
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 Properties
Robert S. Mundlin
Owner, Lifetime Beneﬁts Insurance
Jim Ridenour
President, Sunbelt Station Service
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
9%Cities of Southlake, Keller and Roanoke
Deposit Market Share
20
Mark L. Jones
President and Chief
Executive Ofﬁcer