1. 2nd Quarter 2013

2. Forward Looking Statement
The numbers, as of and for six months ended June 30, 2013, contained within this presentation are
unaudited. Certain statements contained herein may be considered “forward-looking statements” as
defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the
belief of the Company’s management, as well as assumptions made beyond information currently
available to the Company’s management and, may be, but not necessarily are identified by such words
as “expect”, “plan”, “anticipate”, “target”, “forecast” and “goal”. Because such “forward-looking
statements” are subject to risks and uncertainties, actual results may differ materially from those
expressed or implied by such forward-looking statements. Factors that could cause actual results to
differ materially from the Company’s expectations include competition from other financial institutions
and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and
laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans;
fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary
fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and
integration of acquired businesses, and similar variables. Other key risks are described in the
Company’s reports filed with the Securities and Exchange Commission, which may be obtained under
“Investor Relations-Documents/Filings” on the Company’s web site or by writing or calling the Company
at 325.627.7155. The Company does not undertake any obligation to update publicly or revise any
forward-looking statements herein because of new information, future events or otherwise.

3. 2
Who We Are
$5.0 billion financial holding company
headquartered in Abilene, Texas
Group of 12 separate regions
122-year history
Growth markets include 50 mile radius of
the larger cities of Texas

4. 3

5. Recognitions
 KBW Honor Roll – One of forty-seven banks named – April 2013
 SNL Financial #11 Best Performing Community Bank ($500M -
$5B) – March 2013
 Nifty 50: Bank Director Magazine - #5 – Based on Return on
Equity / Average Tangible Equity – January 2013
 American Banker - #14 – Based on three year average Return on
Equity – August 2013
 ABA Banking Journal - #13 – Top Performing mid-sized banks
($1B - $10B) – May 2012
4

6. 5
What Makes Us Different
One Bank, Twelve Regions Concept
 One Bank
 Consolidation of backroom operations, technology, and
compliance (lower efficiency ratio)
 Twelve Regions
 Regional Presidents run their regions
 Local Boards – Movers and Shakers of the Community
 Keep our regions locally focused
 Make sure we meet the needs of the community
 Help us make better loan decisions
 Help us market the region

7. 6
FFIN’s Unique Positioning in Texas
Bank Key Markets
BBVA Compass Rio Grande, Gulf Coast, Houston, Dallas, El Paso, Lubbock
Comerica, Inc. DFW, Austin, Houston, California, Michigan, Florida, Mexico
Frost San Antonio, Austin, Corpus Christi, DFW, Rio Grande
Independent North and Central Texas
International Bancshares Corp. Rio Grande, Houston, San Antonio, Oklahoma
Prosperity Houston, DFW, Austin, West Texas, Victoria, and Oklahoma
Southside East Texas
Texas Capital DFW, Austin, San Antonio and Houston
ViewPoint Financial Dallas
Zions DFW and Houston

8. 7
Orange Acquisition
 Definitive Agreement Signed - February 2013
 Orange, Jefferson and Newton Counties
 Approximately 350,000 Residents
 Strategically located on Interstate 10 – 100 miles east of Houston
 Three Major Shipping Ports for Energy and Petrochemical industries
 Large refineries, natural gas terminals and recent investment from large
Fortune 500 Companies, such as Exxon Mobil, DuPont and Goodyear
 $476.6 million in Assets*
 $405.0 million in deposits
 $308.6 million in loans
 Approximately 1.3x book; 13x last twelve months earnings (tax effected)
 Orange acquisition is consistent with our acquisition model of high growth areas
and along the Interstates
 Provides Diversification
 #1 Market Share in Orange County – 40%, more than twice the nearest competitor
*As of June 30, 2013

9. 88

10. 9
Texas: Large and Growing
Five most populous states:* Growth
(2002 – 2012)
California 38.0 million 8.3%
Texas 26.1 million 19.7%
New York 19.6 million 2.2%
Florida 19.3 million 15.9%
Illinois 12.9 million 2.2%
* U.S. Census Bureau

11. 10
Target Markets – Population Growth
Population growth (2002-2012) in FFIN expansion markets:*
Texas 19.7%
Bridgeport & Wise County 24.6%
Fort Worth & Tarrant County 25.8%
Cleburne & Johnson County 31.8%
Weatherford, Willow Park, Aledo & Parker County 29.6%
Granbury & Hood County 31.8%
Stephenville & Erath County 22.6%
* U.S. Census Bureau

12. 11
Texas Benefits
CEO Magazine ranks Texas best state for
business – for seventh consecutive year
Texas created more jobs (239,146) in 2012 more
than any other state
Texas created more private sector jobs than any
other state during the past decade

13. Core Markets: West Central Texas
 Markets served benefiting from well-established,
long- time customers
REGION
ASSET
SIZE*
LOCATIONS
DEPOSIT
MARKET SHARE**
MARKET
SHARE RANK**
First Financial Bank
(Abilene, Clyde, Moran, Albany, Odessa)
$1,688 M 15 43% 1
First Financial Bank
(Hereford)
$177 M 1 43% 1
First Financial Bank
(Eastland, Ranger, Rising Star, Cisco)
$203M 4 58% 1
First Financial Bank
(Sweetwater, Roby, Trent, Merkel)
$175 M 4 34% 1
First Financial Bank
(San Angelo)
$455M 3 19% 2
TOTALS $2,698M 27 * Data as of 06-30-13
** Data as of 06-30-12
12

14. Expansion Markets
REGION ASSET SIZE* LOCATIONS
DEPOSIT MARKET
SHARE**
MARKET SHARE
RANK**
First Financial Bank
(Cleburne, Burleson, Alvarado, Midlothian, Waxahachie)
$326 M 6 22% 1
First Financial Bank
(Southlake, Trophy Club, Keller, Grapevine
Bridgeport, Decatur, Boyd)
$359 M 4
3
7%
16%
5
3
First Financial Bank
(Stephenville, Granbury, Glen Rose, Acton)
$383 M 6 22% 2
First Financial Bank
(Weatherford, Aledo, Willow Park, Brock, Ft. Worth)
$410 M 7 24% 1
First Financial Bank
(Mineral Wells)
$215 M 1 34% 1
First Financial Bank
(Huntsville)
$187 M 1 20% 2
First Financial Bank
(Orange, Mauriceville, Newton, Port Arthur, Vidor)
$477M 6 40% 1
TOTALS $2,357 34
* Data as of 06-30-13
** Data as of 06-30-12
13

15. Recent De Novo Growth
 Weatherford – I-20 Branch – June 2013
 San Angelo: HEB Branch – March 2013
 Waxahachie: Branch of Cleburne – December 2012
 Abilene: Antilley Road Branch – September 2012
 Grapevine: Branch of Southlake – March 2012
 Cisco: Branch of Eastland – September 2011
 Lamesa: Office of Trust Company – April 2011
 Odessa: Branch of Abilene – February 2010
 Fort Worth: Branch of Weatherford – February 2010
 Odessa: Office of Trust Company – April 2009
 Merkel: Branch of Sweetwater – July 2008
 Brock: Branch of Weatherford – March 2008
 Acton: Branch of Stephenville – March 2008
 Albany: Branch of Abilene – May 2007
 Fort Worth: Office of Trust Company – April 2007
14

16. Years with Company Years in Industry
Scott Dueser
Chairman of the Board, President &
Chief Executive Officer
37 42
J. Bruce Hildebrand, CPA
Executive Vice President
Chief Financial Officer
10 34
Gary L. Webb
Executive Vice President
Operations
10 24
Gary S. Gragg
Executive Vice President
Credit Administration
22 34
Marna Yerigan
Executive Vice President
Credit Administration
2 29
Ron Butler
Executive Vice President
Chief Administrative Officer
19 31
Senior Management at First Financial
15

17. Years with Company Years in Industry
Michele Stevens
Senior Vice President
Advertising and Marketing
16 32
Courtney Jordan
Senior Vice President
Training
5 18
Bob Goodner
Senior Vice President & Compliance Officer
Compliance
12 35
Luke Longhofer
Senior Vice President & Loan Review Officer
Credit Administration
3 10
Brandon Harris
Senior Vice President
Appraisal Services
1 15
Kirk Thaxton, CTFA
President, First Financial Trust & Asset
Management
26 30
Senior Management at First Financial
16

18. Experienced Regional CEOs & Presidents
Years with Company Years in Industry
Marelyn Shedd, Abilene 22 30
Mike Mauldin, Hereford 10 35
Kirby Andrews, Sweetwater 22 25
Trent Swearengin, Eastland 13 15
Mike Boyd, San Angelo 37 41
Tom O’Neil, Cleburne 15 33
Matt Reynolds, Cleburne 8 31
Ron Mullins, Stephenville 7 35
Jay Gibbs, Weatherford 11 39
Mark Jones, Southlake 12 35
Ken Williamson, Mineral Wells 11 42
Robert Pate, Huntsville 16 32
Fred Wren, Huntsville 1 34
Stephen Lee, Orange 6 20
Gary Tucker, First Technology Services 22 38
17

19. 18
$3,212 $3,279
$3,776
$4,121
$4,500
$4,983*
2008 2009 2010 2011 2012 2013
Growth in Total Assets
Asset Performance
(in millions)
*As of June 30, 2013

20. 19
$797 $836 $959 $1,102 $1,312 $1,305
$1,786 $1,849
$2,154
$2,233
$2,321
$2,613
2008 2009 2010 2011 2012 2013
Non Interest Bearing Interest Bearing
Deposit Growth
Growth in FFIN Total Deposits (in millions)
$3,918*
$2,583 $2,685
$3,113
$3,335
$3,633
*As of June 30, 2013

21. 20
Deposit Products
Time
18.2%
Demand
33.3%
Money
Market
38.1%
Savings
10.4%
*As of June 30, 2013

22. Account Growth
Net Growth in 2011 – 4,036 Accounts
Net Growth in 2012 – 1,219 Accounts
New Growth in 2013 – 1,994 Accounts
December
31, 2010
December
31, 2011
December
31, 2012
June 30,
2013
Total Number of
Accounts
200,027 204,063 205,282 207,276
21

23. $84 $77 $73 $81 $66 $68 $61
$182 $191 $175 $191 $218 $273 $318$32 $52 $0
$394 $391 $406 $429 $427
$510
$608
$836 $855 $860
$990 $1,076
$1,238
$1,592
2007 2008 2009 2010 2011 2012 2013
Real Estate
Commercial
Student
Consumer
Agricultural
Loan Performance
Growth in FFIN Total Loans (in millions)
$1,566 $1,514
$1,690
$1,787
$1,528
$2,579*
22
*As of June 30, 2013
$2,089

24. 23
Overview of Loan Portfolio
Commercial
23.6%
Agriculture
2.3%
Consumer
12.3%
Real Estate
61.8%
*As of June 30, 2013

25. Residential
Development &
Construction
6.3%
1-4 Family
46.5%
Commercial
Development and
Construction
4.0%
Commercial R/E
25.8%
Other R/E
17.4%
24
Breakdown of R/E Loan Portfolio
*As of June 30, 2013

26. 25
2007 2008 2009 2010 2011 2012 2013*
End of
Period 60.0 60.6 56.4 54.3 53.6 57.5 65.8
Average
Balances
59.8 61.1 59.5 56.0 54.6 56.4 61.9
Loan to Deposit Ratio
*As of June 30, 2013

27. 26
Less than
1 year
1 to 3
years
3 to 5
years
5 to 10
years
10 to 15
years
Over 15
years
32.9% 8.9% 13.2% 19.4% 10.9% 9.8% 4.9%
Variable and Fixed Rate Loans
Loan Portfolio Interest Rate Risk Analysis
Variable
Rate
Fixed Rate
*As of June 30, 2013

28. 2008 2009 2010 2011 2012 2013
First
Financial 0.80% 1.46% 1.53% 1.64% 1.22% 1.20%*
Peer Group 2.63% 5.41% 5.37% 4.64% 3.69% 3.48%**
Sound Lending Practices
Nonperforming assets as a percentage of loans + foreclosed assets (FFIN vs. Peers)
27
**As of March 31, 2013
*As of June 30, 2013

29. 28
$17,462
$21,529
$27,612
$31,106
$34,315 $34,839 $34,099*
$2,331
$7,957
$11,419
$8,962
$6,626
$3,484
$1,233
2007 2008 2009 2010 2011 2012 2013
ALLL Provision
Allowance for Loan Losses and Provision for Loan Losses
(in thousands)
*As of June 30, 2013

30. Summary of Bond Portfolio
Agencies
8.27%
Corporates
5.30%
Muni
50.29%
MBSs
10.62%
CMOs
25.52%
Treasuries
0.0%
29
*As of June 30, 2013

31. Municipal Allocation by State
State Percentage
Texas 70.14%
Michigan 3.20%
Wisconsin 2.37%
Washington 2.01%
Illinois 1.94%
New Jersey 1.52%
Florida 1.51%
Ohio 1.49%
Louisiana 1.35%
Massachusetts 1.23%
Utah 1.12%
Other 39 States 12.12%
30
*As of June 30, 2013

32. 31
$1,631 $1,664
$1,784
$1,912
$2,031
$2,311*
2008 2009 2010 2011 2012 2013
Growth in Trust Assets
Total Trust Assets – Book Value (in millions)
*As of June 30, 2013

33. 32
$9,441 $9,083
$10,808
$12,617
$14,464
$4,728
$4,242
$5,198
$6,254
$7,124
$7,746
2008 2009 2010 2011 2012 2013
thru
June 30th
Total Trust Fees
Growth in FFTAM Fees (Full year and 1st 6 months) (in thousands)

34. $53.1 $53.8
$59.7
$68.4
$74.2
$26.8 $27.3 $27.9
$32.8
$36.1 $38.1
2008 2009 2010 2011 2012 2013
26th Consecutive Year of Increased Earnings
FFIN Earnings (Full year and 1st 6 months) (in millions)
33
thru
June 30th

35. 34
$1.71 $1.72
$1.91
$2.17
$2.36
$0.86 $0.87 $0.89
$1.04
$1.15 $1.20
2008 2009 2010 2011 2012 2013
Strong Shareholder Earnings
Basic Earnings Per Share (Full year and 1st 6 months)
thru
June 30th

36. 1.68% 1.72% 1.74% 1.72% 1.75% 1.78% 1.75%
1.10%
0.87%
-0.03% -0.18%
0.24%
0.79%
0.98%
2006 2007 2008 2009 2010 2011 2012
FFIN Outperforms Peers
Percentage Return on Average Assets
PeerGroup
FirstFinancial
35

37. 16.20%
15.87%
15.27%
13.63% 13.74%
14.44%
13.85%
12.61%
9.45%
-1.83% -2.57%
0.88%
7.27%
8.57%
2006 2007 2008 2009 2010 2011 2012
Strong Return on Capital
Percentage Return on Average Equity
PeerGroup
FirstFinancial
36

38. 37
2009 2010 2011 2012 2013*
Shareholders’
Equity 415,702 441,688 508,537 556,963 575,864
As a Percent of Total
Assets
12.68 11.70 12.34 12.37 11.56
Tangible
Capital
352,550 369,164 436,415 484,990 478,615
Tier 1
Leverage Ratio
10.69 10.28 10.33 10.60 10.32
Tier 1 Risk
Based Capital Ratio
17.73 17.01 17.49 17.43 15.20
Risk Based
Capital Ratio
19.10 18.26 18.74 18.68 16.31
Capital & Capital Ratios
(dollars in thousands)
*As of June 30, 2013

39. 3.00%
3.25%
3.50%
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
1st
Qtr. '10
2nd
Qtr. '10
3rd
Qtr. '10
4th
Qtr. '10
1st
Qtr. '11
2nd
Qtr. '11
3rd
Qtr. '11
4th
Qtr. '11
1st
Qtr. '12
2nd
Qtr. '12
3rd
Qtr. '12
4th
Qtr. '12
1st
Qtr. '13
2nd
Qtr. '13
First Financial Peer Group
Net Interest Margin
Quarterly Interest Margin
38

40. 2007 2008 2009 2010 2011 2012 2013
First
Financial 52.83% 50.76% 50.11% 49.49% 48.37% 48.14% 48.98%*
Peer Group 63.12% 68.12% 69.53% 67.33% 65.57% 65.77% 66.45%**
Working Harder and Smarter
Efficiency Ratio (FFIN vs. Peers)
39
**As of March 31, 2013
*As of June 30, 2013

41. Stock cost in January 2012 $33,430
Dividend declared ($0.99 x 1,000 shares) $ 990
Increase in stock price during 2012
($39.01 from $33.43 X 1,000 shares)
$2210,720
2012 return on investment 19.65%
2011 return on investment 0.61%
2010 return on investment -2.99%
2009 return on investment 0.69%
2008 return on investment 50.20%
5 year compound average return 9.55%
Total Return on Investment
$5,580
Assume you owned 1,000 shares of FFIN stock on January 1, 2012…
40

42. Dividends Per Share
$0.79
$0.84
$0.89 $0.91 $0.91
$0.95
$0.99
2006 2007 2008 2009 2010 2011 2012
Annual Dividends Declared Per Share
41

43. Strong Stock Performance
-60.00%
-40.00%
-20.00%
0.00%
20.00%
40.00%
60.00%
80.00%
100.00%
120.00%
FFIN S&P 500 NASDAQ Dow Jones
Jan . ‘07 June ’13Dec . ‘09Dec ‘07 Dec ‘08 Dec. ‘10 Dec. ’11 Dec. ’12
42

44. Challenges
Regulatory reform from Washington
Stagnant national economy
Inept federal government
Low interest rate environment
Maintaining net interest margin
Keep nonperforming assets to a minimum
43

45. Opportunities
 Loan Growth
 Mortgage Lending
 Trust Services
 Treasury Management
 Mobile Banking
 Lower Efficiency Ratio
 Potential Acquisitions
44

46. www.ffin.com