Cleburne
Main Ofﬁce
403 N. Main 
Cleburne, T exas 76033
Chartered 1927 
Branches
200 N. Ridgeway
Cleburne, T exas 76033
1900 S.W . Wilshire
Burleson, T exas 76028
201 E. Highway 67
Alvarado, T exas 76009
Senior Ofﬁcers
Ronald E. Schneider
Chairman of the Board, President and 
Chief Executive Ofﬁcer
Perry Ginn
Executive Vice President
Homer S. Pittman, Jr.
Senior Vice President and Cashier
Craig Beskow
Senior Vice President
Derek Schmidt
Senior Vice President
Directors
Ronald E. Schneider
Chairman of the Board, President and 
Chief Executive Ofﬁcer
Albert A. Archer
Chairman of the Board, Walls Industries, Inc.
Gary Bennett
Bennett Printing & Ofﬁce Supply
Robert T. Childress
Investments
F. Scott Dueser
First Financial Bankshares, Inc.
Jim Easdon
Investments 
Curtis R. Harvey
First Financial Bankshares, Inc.
Hollis E. (Gene) Joslin
Investments 
Brent D. Magers
Chief Executive Officer and Administrator,
Walls Regional Hospital
George Marti
Marti Enterprises
Assets $205,591 $209,159
Loans 106,755 108,607
Deposits 182,715 189,597
Equity 20,364 18,040
Net Income 3,451 3,120
Return on Average Assets 1.72% 1.62%
Return on Average Equity 17.66 17.08
IN THOUSANDS December 31, 2002 December 31, 2001
First Financial Bank,
National Association, Cleburne
22
%Johnson County Deposit Market Share
15
Ronald E. Schneider
Chairman of the Board, President and 
Chief Executive Ofﬁcer