1. 1st Quarter 2013

2. Forward Looking Statement
The numbers, as of and for the quarter ended March 31, 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
$4.5 billion financial holding company
headquartered in Abilene, Texas
Group of 11 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 - #19 – Based on three year average Return on
Equity – August 2012
 ABA Banking Journal - #13 – Top Performing mid-sized banks
($1B - $10B) – May 2012
4

6. 5
What Makes Us Different
One Bank, Eleven Regions Concept
 One Bank
 Consolidation of backroom operations and compliance (lower
efficiency ratio)
 Eleven 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
International Bancshares Corp. Rio Grande, Houston, San Antonio, Oklahoma
Prosperity Houston, DFW, Austin
Southside East Texas
Texas Capital DFW, Austin, San Antonio and Houston
ViewPoint Financial Dallas
Zion 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
 $443.8 million in Assets*
 $381.1 million in deposits
 $295.9 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 Dec. 31, 2012

9. 88

10. 9
Texas: Large and Growing
Five most populous states:* Growth
(2000 – 2011)
California 37.7 million 11.3%
Texas 25.7 million 23.7%
New York 19.5 million 2.6%
Florida 19.1 million 19.2%
Illinois 12.9 million 3.6%
* U.S. Census Bureau

11. 10
Target Markets – Population Growth
Population growth (2000-2011) in FFIN expansion markets:*
Texas 23.1%
Bridgeport & Wise County 22.6%
Fort Worth & Tarrant County 27.9%
Cleburne, Midlothian & Johnson County 20.5%
Weatherford, Willow Park, Aledo & Parker County 33.7%
Granbury & Hood County 25.7%
Stephenville & Erath County 15.9%
* U.S. Census Bureau

12. 11
Texas Benefits
CEO Magazine ranks Texas best state for
business – for seventh consecutive year
Texas created more jobs (230,800) in 2010 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)
$1,531 M 15 43% 1
First Financial Bank
(Hereford)
$166 M 1 43% 1
First Financial Bank
(Eastland, Ranger, Rising Star, Cisco)
$228M 4 58% 1
First Financial Bank
(Sweetwater, Roby, Trent, Merkel)
$188 M 4 34% 1
First Financial Bank
(San Angelo)
$462M 3 19% 2
TOTALS $2,575M 27 * Data as of 03-31-13
** Data as of 06-30-12

14. Expansion Markets
REGION ASSET SIZE* LOCATIONS
DEPOSIT MARKET
SHARE**
MARKET SHARE
RANK**
First Financial Bank
(Cleburne, Burleson, Alvarado, Midlothian,
Waxahachie)
$344 M 6 22% 1
First Financial Bank
(Southlake, Trophy Club, Keller, Grapevine
Bridgeport, Decatur, Boyd)
$355 M 4
3
7%
16%
5
3
First Financial Bank
(Stephenville, Granbury, Glen Rose, Acton)
$392 M 6 22% 2
First Financial Bank
(Weatherford, Aledo, Willow Park, Brock, Ft. Worth)
$424 M 7 24% 1
First Financial Bank
(Mineral Wells)
$215 M 1 34% 1
First Financial Bank
(Huntsville)
$177 M 1 20% 2
TOTALS $1,907 28
* Data as of 03-31-13
** Data as of 06-30-12

15. Recent De Novo Growth
 Weatherford – I-20 Branch – Expected to Open 2nd Qtr. 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

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

17. Years with Company Years in Industry
Michele Stevens
Senior Vice President
Advertising and Marketing
37 42
Courtney Jordan
Senior Vice President
Training
10 34
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

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
Gary Tucker, First Technology Services 22 38
17

19. 18
$3,212 $3,279
$3,776
$4,121
$4,500 $4,456*
2008 2009 2010 2011 2012 2013
Growth in Total Assets
Asset Performance
(in millions)
*As of March 31, 2013

20. 19
$797 $836 $959 $1,102 $1,312 $1,238
$1,786 $1,849
$2,154
$2,233
$2,321 $2,312
2008 2009 2010 2011 2012 2013
Non Interest Bearing Interest Bearing
Deposit Growth
Growth in FFIN Total Deposits (in millions)
$3,550*
$2,583 $2,685
$3,113
$3,335
$3,633
*As of March 31, 2013

21. 20
Deposit Products
Time
17.5%
Demand
34.9%
Money
Market
37.4%
Savings
10.2%
*As of March 31, 2013

22. Account Growth
Net Growth in 2011 – 4,036 Accounts
Net Growth in 2012 – 1,219 Accounts
New Growth in 2013 – 1,139 Accounts
December
31, 2010
December
31, 2011
December
31, 2012
March
31, 2013
Total Number of
Accounts
200,027 204,063 205,282 206,421

23. $84 $77 $73 $81 $66 $68 $55
$182 $191 $175 $191 $218 $273 $284
$32 $52 $0
$394 $391
$406 $429 $427
$510 $512
$836 $855
$860
$990 $1,076
$1,238 $1,287
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
$2,138*
22
*As of March 31, 2013
$2,089

24. 23
Overview of Loan Portfolio
Commercial
23.9%
Agriculture
2.6%
Consumer
13.3%
Real Estate
60.2%
*As of March 31, 2013

25. Residential
Development &
Construction
5.7%
1-4 Family
43.6%
Commercial
Development and
Construction
3.9%
Commercial R/E
28.2%
Other R/E
18.6%
24
Breakdown of R/E Loan Portfolio
*As of March 31, 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 60.2
Average
Balances
59.8 61.1 59.5 56.0 54.6 56.4 59.9
Loan to Deposit Ratio
*As of March 31, 2012

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
34.3% 9.1% 14.5% 20.7% 9.1% 8.5% 3.8%
Variable and Fixed Rate Loans
Loan Portfolio Interest Rate Risk Analysis
Variable
Rate
Fixed Rate
*As of March 31, 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% 3.70% -
Sound Lending Practices
Nonperforming assets as a percentage of loans + foreclosed assets (FFIN vs. Peers)
27
*As of March 31, 2013

29. 28
$17,462
$21,529
$27,612
$31,106
$34,315 $34,839 $34,672
$2,331
$7,957
$11,419
$8,962
$6,626
$3,484
$401
2007 2008 2009 2010 2011 2012 2013
ALLL Provision
Allowance for Loan Losses and Provision for Loan Losses
(in thousands)
*As of March 31, 2013

30. Summary of Bond Portfolio
Agencies
10.33%
Corporates
5.58%
Muni
46.15%
MBSs
10.37%
CMOs
27.23%
Treasuries
0.34%
29
*As of March 31, 2013

31. Municipal Allocation by State
State Percentage
Texas 65.94%
Michigan 3.71%
Wisconsin 3.06%
Illinois 2.18%
Washington 2.13%
Massachusetts 1.84%
New Jersey 1.77%
Florida 1.69%
Ohio 1.68%
Louisiana 1.27%
Utah 1.25%
Kentucky 1.04%
Other 38 states 12.44%
30
*As of March 31, 2013

32. 31
$1,631 $1,664
$1,784
$1,912
$2,031
$2,274*
2008 2009 2010 2011 2012 2013
Growth in Trust Assets
Total Trust Assets – Book Value (in millions)
*As of March 31, 2013

33. 32
$9,441 $9,083
$10,808
$12,617
$14,464
$2,369 $2,117 $2,526
$3,044 $3,454 $3,793
2008 2009 2010 2011 2012 2013
thru
March 31st
Total Trust Fees
Growth in FFTAM Fees (Full year and 1st 3 months) (in thousands)

34. $53.1 $53.8
$59.7
$68.4
$74.2
$13.2 $13.7 $13.7
$16.3 $17.8 $18.6
2008 2009 2010 2011 2012 2013
26th Consecutive Year of Increased Earnings
FFIN Earnings (Full year and 1st 3 months) (in millions)
33
thru
March 31st

35. 34
$1.71 $1.72
$1.91
$2.17
$2.36
$0.42 $0.44 $0.44
$0.52 $0.56 $0.59
2008 2009 2010 2011 2012 2013
Strong Shareholder Earnings
Basic Earnings Per Share (Full year and 1st 3 months)
thru
March 31st

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

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%
8.72%
2006 2007 2008 2009 2010 2011 2012
Strong Return on Capital
Percentage Return on Average Equity
PeerGroup
FirstFinancial

38. 37
2009 2010 2011 2012 2013
Shareholders’
Equity 415,702 441,688 508,537 556,963 564,252
As a Percent of Total
Assets
12.68 11.70 12.34 12.37 12.66
Tangible
Capital
352,550 369,164 436,415 484,990 492,289
Tier 1
Leverage Ratio
10.69 10.28 10.33 10.60 10.69
Tier 1 Risk
Based Capital Ratio
17.73 17.01 17.49 17.43 17.54
Risk Based
Capital Ratio
19.10 18.26 18.74 18.68 18.80
Capital & Capital Ratios
(dollars in thousands)

39. 3.00%
3.25%
3.50%
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
4th
Qtr. '09
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
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% 48.68%
Peer Group 63.12% 68.12% 69.53% 67.33% 65.57% 65.75%* -
Working Harder and Smarter
Efficiency Ratio (FFIN vs. Peers)
39
**As of Dec. 31, 2012

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%
FFIN S&P 500 NASDAQ Dow Jones
Jan . ‘07 Mar. ’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

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

46. www.ffin.com