Sweetwater
First National Bank, Sweetwater
Main Ofﬁce
201 Elm Street 
Sweetwater, T exas 79556
Chartered 1948 
Branches
123 N. Concho
Roby, T exas 79543
117 N. Main
Trent, T exas 79561
Senior Ofﬁcers
J.V. Martin
Chairman of the Board, President and 
Chief Executive Ofﬁcer
Kirby Andrews
Senior Vice President, Lending
Rodney Foster
Senior Vice President, Lending
Janis McDowell
Senior Vice President, Trust Ofﬁcer
Donnie Ruppert
Senior Vice President and Controller
Directors
J.V. Martin
Chairman of the Board, President and 
Chief Executive Ofﬁcer
Glenn D. Bennett
Bennett & Associates
Louis Brooks, Jr.
Ranching, Brooks-Maberry, Inc.
Bill W. Burns
President, Bill Burns Oil Co., Inc.
Ronnie Cox
Owner, Cox Jewelry
F. Scott Dueser
First Financial Bankshares, Inc.
Cecil J. King
Retired President, Citizens State Bank, Roby
Thomas L. Rees, Sr.
Rees and Rees, Attorneys
Assets $112,079 $104,968
Loans 49,487 46,666
Deposits 100,306 90,100
Equity 11,114 10,204
Net Income 2,078 1,605
Trust Assets 64,854 66,118
Return on Average Assets 1.99% 1.53%
Return on Average Equity 19.15 15.82
IN THOUSANDS December 31, 2002 December 31, 2001
38
%Nolan and Fisher Counties 
Deposit Market Share
22
J.V. Martin
Chairman of the Board, President and 
Chief Executive Ofﬁcer