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Pending and Proposed Legislation
New regulations and statutes are regularly proposed containing wide-ranging proposals for altering the
structures, regulations and competitive relationships of financial institutions operating in the United States.  We
cannot predict whether or in what form any proposed regulation or statute will be adopted or the extent to which our
business may be affected by any new regulation or statute.
Enforcement Powers of Federal Banking Agencies
The Federal Reserve and other state and federal banking agencies and regulators have broad enforcement
powers, including the power to terminate deposit insurance, issue cease-and-desist orders, impose substantial fees
and other civil and criminal penalties and appoint a conservator or receiver.  Our failure to comply with applicable
laws, regulations and other regulatory pronouncements could subject us, as well as our officers and directors, to
administrative sanctions and potentially substantial civil penalties.
Available Information
We file annual, quarterly and special reports, proxy statements and other information with the Securities and
Exchange Commission.  You may read and copy any document we file at the Securities and Exchange
Commission’s Public Reference Room at 450 Fifth Street, N.W., Washington, D.C. 20549.  Please call the
Securities and Exchange Commission at 1-800-SEC-0330 for further information on the public reference room. Our
SEC filings are also available to the public at the Securities and Exchange Commission’s web site at
http://www.sec.gov.  No information from this web page is incorporated by reference herein.  Our web site is
http://www.ffin.com.  You may also obtain copies of our annual, quarterly and special reports, proxy statements and
certain other information filed with the SEC, as well as amendments thereto, free of charge from our web site.
These documents are posted to our web site as soon as reasonably practicable after we have filed them with the SEC.
ITEM 2. PROPERTIES
Our principal office is located in the First National Bank Building at 400 Pine Street in downtown Abilene,
Texas. We lease two spaces in a building owned by First National Bank of Abilene. The lease for approximately
2,300 square feet of space expires December 31, 2004. The lease for approximately 1,100 square feet of space
expires May 31, 2006. Our subsidiary banks collectively own 22 banking facilities, some of which are detached
drive-ins, and they also lease six banking facilities.  Our management considers all of our existing locations to be
well-suited for conducting the business of banking.  We believe that our existing facilities are adequate to meet our
requirements and our subsidiary banks’ requirements for the foreseeable future.
ITEM 3. LEGAL PROCEEDINGS
From time to time we and our subsidiary banks are parties to lawsuits arising in the ordinary course of our
banking business. However, there are no material pending legal proceedings to which we, our subsidiary banks or
our other direct and indirect subsidiaries, or any of their properties, are currently subject.  Other than regular, routine
examinations by state and federal banking authorities, there are no proceedings pending or known to be
contemplated by any governmental authorities.
ITEM 4.         SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
No matters were submitted to a vote of our security holders during the fourth quarter of our fiscal year ended
December 31, 2002.