FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements
December 31, 2002, 2001 and 2000
F-24
Quantitative measures established by regulation to ensure capital adequacy require Bankshares and each of its
subsidiaries to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as
defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined), to average assets
(as defined).  Management believes as of December 31, 2002 and 2001, that Bankshares and each of its subsidiaries
meet all capital adequacy requirements to which they are subject.
As of December 31, 2002 and 2001, the most recent notification from each respective subsidiaries’ primary
regulator categorized each of Bankshares’ subsidiaries as well-capitalized under the regulatory framework for
prompt corrective action.  To be categorized as well capitalized, the subsidiaries must maintain minimum total
risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table.
There are no conditions or events since that notification that management believes have changed the institutions’
categories.  Bankshares’ and its significant subsidiaries’ actual capital amounts and ratios are presented in the table
below:
To Be Well
Capitalized Under
For Capital Prompt Corrective
                Actual                    Adequacy Purposes:          Action Provisions:    
    Amount       Ratio       Amount       Ratio       Amount       Ratio   
As of December 31, 2002:
    Total Capital (to Risk-Weighted Assets):
      Consolidated $213,725,000 20% ≥$ 87,579,000 ≥ 8% N/A N/A
      First National Bank of Abilene $  68,874,000 17% ≥$ 32,153,000 ≥ 8% ≥$ 40,191,000 ≥ 10%
      San Angelo National Bank   $  16,039,000 12% ≥$ 10,816,000 ≥ 8% ≥$ 13,520,000 ≥ 10%
      Weatherford National Bank $  19,758,000 18% ≥$   8,802,000 ≥ 8% ≥$ 11,002,000 ≥ 10%
    Tier I Capital (to Risk-Weighted Assets):
      Consolidated $202,507,000 18% ≥$ 43,790,000 ≥ 4% N/A N/A
      First National Bank of Abilene $  64,971,000 16% ≥$ 16,077,000 ≥ 4% ≥$ 24,115,000 ≥   6%
      San Angelo National Bank $  14,703,000 11% ≥$   5,408,000 ≥ 4% ≥$   8,112,000 ≥   6%
      Weatherford National Bank $  18,757,000 17% ≥$   4,401,000 ≥ 4% ≥$   6,601,000 ≥   6%
    Tier I Capital (to Average Assets):
      Consolidated $202,507,000 11% ≥$ 57,856,000 ≥ 3% N/A N/A
      First National Bank of Abilene $  64,971,000 9% ≥$ 20,626,000 ≥ 3% ≥$ 34,377,000 ≥   5%
      San Angelo National Bank $  14,703,000 5% ≥$   8,410,000 ≥ 3% ≥$ 14,016,000 ≥   5%
      Weatherford National Bank $  18,757,000 10% ≥$   5,884,000 ≥ 3% ≥$   9,807,000 ≥   5%