Stephenville
Main Ofﬁce
2201 W . South Loop
Stephenville, T exas 76401
Chartered 1923 
Branches
1875 Lingleville Road
Stephenville, T exas 76401
199 N. Columbia
Stephenville, T exas 76401
Senior Ofﬁcers
Ron Butler
President and Chief Executive Ofﬁcer
Perry D. Elliott
Vice Chairman
Ken Luker
Executive Vice President
Monty Bedwell
Senior Vice President
Dereece Howell
Senior Vice President and Cashier
Terry McCoy
Senior Vice President
Robert Reeves
Senior Vice President
Directors
James C. Terrell, Jr., M.D.
Chairman of the Board
Perry D. Elliott
Vice Chairman
Ron Butler
President and Chief Executive Ofﬁcer
William L. Corbin
Investments
F. Scott Dueser
First Financial Bankshares, Inc.
Charles P . Gillespie, Jr.
Engineer
Curtis R. Harvey
First Financial Bankshares, Inc.
William H. Oxford
Attorney
Bill Parham
Parham & Parham, CPAs
Jerry Parham
Investments
Jack Parks
Farmer 
Ronald E. Schneider
First Financial Bank, Cleburne
Frank Terrell, M.D.
Ophthalmologist
John Terrill
Attorney
Advisory
W.L. Nix
Investments
Assets $138,260 $130,186
Loans 75,454 71,367
Deposits 125,226 118,903
Equity 12,755 10,954
Net Income 2,313 2,151
Trust Assets 36,578 40,859
Return on Average Assets 1.75% 1.79%
Return on Average Equity 19.06 19.88
IN THOUSANDS December 31, 2002 December 31, 2001
Stephenville Bank & T rust Co.
31
%Erath County Deposit Market Share
21
Ron Butler
President and Chief
Executive Ofﬁcer