Mineral Wells
City National Bank, Mineral Wells
Ofﬁce
1800 E. Hubbard 
Mineral Wells, T exas 76068
Chartered 1925
Senior Ofﬁcers
Ken A. Williamson
Chairman of the Board, President and 
Chief Executive Ofﬁcer
Brad Seay
Executive Vice President, Lending
Eddie Gregory
Vice President
Kay Hudspeth
Cashier
Mike Mearse
Vice President
Directors
Ken A. Williamson
Chairman of the Board, President and 
Chief Executive Ofﬁcer
F. Scott Dueser
First Financial Bankshares, Inc.
Terry L. Murphy
President and Chief Executive Ofﬁcer,
Murphy and Murphy, Inc.
Don O’Neal
Don O’Neal Distributing Company, Inc.,
O’Neal Enterprises, Inc.
David Ramsey, M.D.
Family Practice Center
Brad Seay
Executive Vice President
Jimmy Seay
Investments and Ranching
Walter Joe Thomas, D.D.S.
Dentist
Assets $93,969 $91,252
Loans 51,224 48,838
Deposits 84,043 82,339
Equity 9,538 8,433
Net Income 1,659 574
Return on Average Assets 1.79% 1.25%
Return on Average Equity 18.02 13.22
IN THOUSANDS December 31, 2002 December 31, 2001
26
%Palo Pinto County Deposit Market Share
18
Ken A. Williamson
Chairman of the Board, President and 
Chief Executive Ofﬁcer