text: FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES 
  Notes to Consolidated Financial Statements 
  December 31, 2002, 2001 and 2000 
  
  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: 