2018
ANNUAL SHAREHOLDER MEETING
Chart Examples
FFIN EARNINGS (in millions)
68.4
2011
74.2
2012
78.9
2013
89.6
2014
100.4
2015
104.8
2016
INTEREST MARGINS vs. peer group banks 4.0%
First Financial 3.5%
Peer Group Banks 3.0%
2014
2015
2016
2017
STRONG STOCK PERFORMANCE 250% 200% 150% 100% 50%
Dow Jones S&P 500 NASDAQ FFIN
0% - 50% - 100%
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
Regions Example
14 Regions Across Texas
Abilene Region • Abilene • Clyde • Moran • Albany • Odessa
14 Regions Across Texas
Sweetwater Region • Sweetwater • Roby • Trent • Merkel
14 Regions Across Texas
Eastland Region • Eastland • Rising Star • Ranger • Cisco
14 Regions Across Texas
Orange Region • Orange • Port Arthur • Vidor • Mauriceville • Newton • Beaumont
14 Regions Across Texas
Hereford Region • Hereford
14 Regions Across Texas
Mineral Wells Region • Mineral Wells
14 Regions Across Texas
San Angelo Region • San Angelo
14 Regions Across Texas
Fort Worth Region • Fort Worth
14 Regions Across Texas
Southlake Region • Southlake • Trophy Club • Keller • Bridgeport • Boyd • Decatur • Grapevine
14 Regions Across Texas
Stephenville Region • Stephenville • Granbury • Glen Rose • Acton
14 Regions Across Texas
Weatherford Region • Weatherford • Aledo • Willow Park • Brock
14 Regions Across Texas
Cleburne Region • Cleburne • Burleson • Alvarado • Midlothian • Waxahachie
14 Regions Across Texas
Conroe Region • Conroe • Montgomery • Cut and Shoot • Willis • Tomball • Magnolia
14 Regions Across Texas
Huntsville Region • Huntsville • New Waverly
14 Regions Across Texas • Abilene • Sweetwater
• Eastland • Orange
• Hereford • Mineral Wells • San Angelo • Fort Worth • Southlake • Stephenville • Weatherford • Cleburne • Conroe • Huntsville
Trust Locations • Abilene/Odessa • Eastland • Sweetwater • Orange
• Hereford • Mineral Wells • San Angelo • Fort Worth • Southlake • Stephenville • Weatherford • Cleburne • Conroe • Huntsville
Location Examples
Personnel Examples
Executive Management Team
Scott Dueser
Chairman of the Board, President & Chief Executive Officer
42 47 At FFIN
In Banking
Executive Management Team Ron Butler
Executive Vice President Chief Administrative Officer
24 35 At FFIN
In Banking
Troy Fore
President, First Financial Mortgage
1 35
At FFIN
In Banking
Experienced Regional CEOs & Presidents Marelyn Shedd
Abilene
Trent Swearengin
Stephenville
25 33
14 14
Kirby Andrews
Scott Dueser
At FFIN
In Banking
Sweetwater
20 23 At FFIN
In Banking
At FFIN
In Banking
Abilene
42 47 At FFIN
In Banking
List Examples
Improvements for 2018
Grow Loans & Deposits Grow Mortgage & Trust
Improvements for 2018
Increase Fee Income
Improve Interest Rate Margin
Improvements for 2018
Control Expenses Improve Credit Quality Make an Acquisition
Slide Comparisons
FFIN EARNINGS (in millions)
68.4
2011
74.2
2012
78.9
2013
89.6
2014
100.4
2015
104.8
2016
STRONG STOCK PERFORMANCE 250% 200% 150% 100% 50%
Dow Jones S&P 500 NASDAQ FFIN
0% - 50% - 100%
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
14 Regions Across Texas • Abilene • Sweetwater
• Eastland • Orange
• Hereford • Mineral Wells • San Angelo • Fort Worth • Southlake • Stephenville • Weatherford • Cleburne • Conroe • Huntsville
Experienced Regional CEOs & Presidents Marelyn Shedd
Abilene
Trent Swearengin
Stephenville
25 33
14 14
Kirby Andrews
Scott Dueser
At FFIN
In Banking
Sweetwater
20 23 At FFIN
In Banking
At FFIN
In Banking
Abilene
42 47 At FFIN
In Banking
Improvements for 2018
Control Expenses Improve Credit Quality Make an Acquisition
Screen Comparisons
Option 2: 18’x32’ Option 1: 15’x27’ 2017: 13’x17’
Stage 60 ft.