Abilene
First National Bank of Abilene
Assets $705,468 $670,959
Loans 353,564 344,341
Deposits 624,262 598,310
Equity 68,670 63,276
Net Income 14,277 13,051
Trust Assets 740,745 722,504
Return on Average Assets 2.12% 1.98%
Return on Average Equity 21.05 20.19
IN THOUSANDS December 31, 2002 December 31, 2001
46
%Taylor County Deposit Market Share
14
Main Ofﬁce
400 Pine Street 
Abilene, T exas 79601
Chartered 1890 
Branches
4400 Buffalo Gap Road
Abilene, T exas 79606
4350 Southwest Drive
Abilene, T exas 79606
920 N. Willis
Abilene, T exas 79603
3300 S. 14th Street
Abilene, T exas 79605
1010 N. Judge Ely Blvd.
Abilene, T exas 79601
701 Pine Street
Abilene, T exas 79601
1345 Barrow Street
Abilene, T exas 79605
Senior Ofﬁcers
F. Scott Dueser
Chairman of the Board
Chuck A. Cowell
President and Chief Executive Ofﬁcer
Ron Fogle
Executive Vice President, Commercial Loans
Robert S. Patterson
Executive Vice President and 
Senior Trust Ofﬁcer
John Prince
Executive Vice President, Personal Loans
Mario A. Luppino
Executive Vice President, Marketing and Retail
Gary Tucker, CDP
Executive Vice President and 
Chief Information Ofﬁcer
Leo Dennis
Executive Vice President, Chief Financial
Ofﬁcer and Cashier
Directors
Chuck A. Cowell
President and Chief Executive Ofﬁcer
J. Michael Alexander
President, James M. Alexander & Co.
Tucker S. Bridwell
President and Chief Executive Ofﬁcer,
Mansefeldt Investments, Inc.
Joseph E. Canon
Executive Director, Dodge Jones Foundation
David Copeland
President, Shelton Family Foundation
Joe Crawford
President, Abilene Aero, Inc.
F. Scott Dueser
First Financial Bankshares, Inc.
Charles Ezzell
Investments
Allan D. Frizzell
Executive Vice President,
Enrich Oil Corporation
Raymond A. McDaniel, Jr.
Investments 
Bynum Miers
Rancher
William D. Minter
Vice President, CameraMouse
Stanley Morris, Jr.
Investments 
Kenneth T. Murphy
First Financial Bankshares, Inc.
James Parker
President, Parker Properties, Inc.
Jack D. Ramsey, M.D.
Physician
Dian Graves Stai
Investments
Michael C. Waters, F .A.C.H.E.
President, Hendrick Health System
Advisory
Bob J. Surovik
McMahon, Surovik, Suttle, Buhrmann, 
Hicks and Gill, P .C.
Steve Suttle
McMahon, Surovik, Suttle, Buhrmann, 
Hicks and Gill, P .C.
Chuck A. Cowell
President and 
Chief Executive Ofﬁcer