text: FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES 
  Notes to Consolidated Financial Statements 
  December 31, 2002, 2001 and 2000 
  
  To Be Well 
  Capitalized Under 
  Prompt Corrective 
   Action Provisions: 
   Ratio 
   Amount  For Capital 
   Adequacy Purposes: 
   Ratio 
   Amount   Actual 
   Ratio 
   Amount 
  
  As of December 31, 2001: 
  *Total Capital (to Risk-Weighted Assets):*
   Consolidated 
   First National Bank of Abilene 
   San Angelo National Bank 
   Weatherford National Bank  18% ≥$ 86,380,000 
  17% ≥$ 31,594,000 
  20% ≥$ 10,925,000 
  18% ≥$ 8,624,000  ≥ 8% 
  N/A 
  N/A 
  ≥ 8% ≥$ 39,492,000 ≥ 10% 
  ≥ 8% ≥$ 13,656,000 ≥ 10% 
  ≥ 8% ≥$ 10,780,000 ≥ 10%  $195,422,000 
  $ 65,676,000 
   $ 27,945,000 
  $ 18,931,000 