1. 2nd Quarter 2014

2. Forward Looking Statement
The numbers, as of and for the quarter and six months ended June 30, 2014, 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
$5.4 billion financial holding company
headquartered in Abilene, Texas
Group of 12 separate regions
124-year history
Growth markets include 50 mile radius of
the larger cities of Texas

4. 3

5. Recognitions
 ABA Banking Journal - #8 – Top Performing mid-sized banks
($1B - $10B) – May 2014
 2014 Proven Performers Award Winner – Bank Intelligence
Solutions
 KBW Honor Roll – One of thirty-one banks named – April 2014
 SNL Financial #7 Best Performing Regional Bank – April 2014
 Nifty 50: Bank Director Magazine - #12 – Based on Return on
Equity / Average Tangible Equity – January 2014
 Sandler O’Neil 2013 Bank & Thrift Small-Cap All Stars –
September 2013
 American Banker - #14 – Based on three year average Return on
Equity – August 2013
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. FFIN’s Unique Positioning in Texas
Bank Key Markets
Comerica, Inc. DFW, Austin, Houston, California, Michigan, Florida, Mexico
Frost San Antonio, Austin, Corpus Christi, DFW, Rio Grande, West Texas
Independent North and Central Texas
International Bancshares Corp. Rio Grande, Houston, San Antonio, Oklahoma
Prosperity Houston, DFW, Austin, West Texas, South Central Texas, and Oklahoma
6
Southside East Texas
Texas Capital DFW, Austin, San Antonio, and Houston
ViewPoint Financial Dallas

8. 7
Orange Acquisition
 Effective May 31, 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*
 $386 million in deposits
 $293.3 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 May 31, 2013

9. 8

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. 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%
10
* U.S. Census Bureau

12. 11
Texas Benefits
 State unemployment rate at 5.1%, state’s lowest rate
since November 2008
 Only Texas and New York have restored all the jobs
lost when recession hit in 2007
 CEO Magazine ranks Texas best state for business –
for seventh consecutive year
 Texas created more jobs (310,000) during the prior
twelve months, 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)
$1,872 M 15 43% 1
First Financial Bank
(Hereford)
$158 M 1 43% 1
First Financial Bank
(Eastland, Ranger, Rising Star, Cisco)
$232M 4 58% 1
First Financial Bank
(Sweetwater, Roby, Trent, Merkel)
$181 M 4 34% 1
First Financial Bank
(San Angelo)
$483M 3 19% 2
TOTALS $2,926M 27 * Data as of 06-30-14
** Data as of 06-30-13
12

14. Expansion Markets
REGION ASSET SIZE* LOCATIONS
DEPOSIT MARKET
SHARE**
MARKET SHARE
RANK**
First Financial Bank
(Cleburne, Burleson, Alvarado, Midlothian, Waxahachie)
$366M 6 20% 1
First Financial Bank
(Southlake, Trophy Club, Keller, Grapevine)
(Bridgeport, Decatur, Boyd)
$394M 4
3
5%
21%
5
1
First Financial Bank
(Stephenville, Granbury, Glen Rose, Acton)
$410M 6 21% 2
First Financial Bank
(Weatherford, Aledo, Willow Park, Brock, Ft. Worth)
$422M 7 24% 1
First Financial Bank
(Mineral Wells)
$251M 1 33% 1
First Financial Bank
(Huntsville)
$170M 1 19% 2
First Financial Bank
(Orange, Mauriceville, Newton, Port Arthur, Vidor)
$479M 5 41% 1
TOTALS $2,492M 33
* Data as of 06-30-14
** Data as of 06-30-13
13

15. Recent De Novo Growth
 Lubbock: Office of Trust Company (Opening 3rd Qtr. 2014)
 New Waverly: Branch of Huntsville (Opening 3rd Qtr. 2014)
 Beaumont: Under Construction (Opening in 3rd Qtr. 2014)
 Weatherford: I-20 Branch – June 2013 (New Building Under Construction – Opening 1st Qtr. 2015)
 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 (Building New Building – Opening 2nd Qtr. 2015)
14

16. Fort Worth – Forest Park Blvd. and Rosedale
1155

17. Fort Worth – Forest Park Blvd. and Rosedale
1166

18. Senior Management at First Financial
Years with Company Years in Industry
Scott Dueser
Chairman of the Board, President &
Chief Executive Officer
38 43
J. Bruce Hildebrand, CPA
Executive Vice President
Chief Financial Officer
11 35
Gary L. Webb
Executive Vice President
Operations
11 25
Gary S. Gragg
Executive Vice President
Credit Administration
23 35
Marna Yerigan
Executive Vice President
Credit Administration
3 30
Ron Butler
Executive Vice President
Chief Administrative Officer
21 32
17

19. Years with Company Years in Industry
Michele Stevens
Senior Vice President
Advertising and Marketing
16 32
Monica Houston
Senior Vice President
Training
20 20
Larry Kentz
Senior Vice President & Compliance Officer
Compliance
1 35
Luke Longhofer
Senior Vice President & Loan Review Officer
Credit Administration
3 10
Brandon Harris
Senior Vice President
Appraisal Services
2 15
Kirk Thaxton, CTFA
President, First Financial Trust & Asset
Management
27 31
Senior Management at First Financial
18

20. Experienced Regional CEOs & Presidents
Years with Company Years in Industry
Marelyn Shedd, Abilene 23 30
Mike Mauldin, Hereford 11 36
Kirby Andrews, Sweetwater 23 26
Trent Swearengin, Eastland 14 16
Mike Boyd, San Angelo 38 42
Tom O’Neil, Cleburne 15 34
Ron Mullins, Stephenville 8 35
Jay Gibbs, Weatherford 12 39
Mark Jones, Southlake 13 36
Ken Williamson, Mineral Wells 12 42
Robert Pate, Huntsville 16 33
Fred Wren, Huntsville 2 35
Stephen Lee, Southeast Region 6 20
Gary Tucker, First Technology Services 23 39
19

21. 20
Asset Performance
Growth in Total Assets
$3,279
$3,776
$4,121
$4,502
$5,222
(in millions)
$5,446
2009 2010 2011 2012 2013 2014
*As of June 30, 2014

22. $836 $959 $1,102 $1,312 $1,362 $1,446
21
$1,849
$2,154
$2,233
$2,321
$2,773
$2,873
2009 2010 2011 2012 2013 2014
Non Interest Bearing Interest Bearing
Deposit Growth
Growth in FFIN Total Deposits (in millions)
$4,319
$2,685
$3,113
$3,335
$3,633
$4,135
*As of June 30, 2014

23. 22
Deposit Products
Time
16.1%
Demand
33.5%
Money
Market
39.1%
Savings
11.3%
*As of June 30, 2014

24. Account Growth
December 31,
2011
December 31,
2012
December 31,
2013*
Net Growth in 2011 – 4,036 Accounts
Net Growth in 2012 – 1,219 Accounts
Net Growth in 2013 – 3,308 Accounts*
Net Growth in 2014 – 7,122 Accounts
June 30,
2014
Total Number of
Accounts
204,063 205,282 208,590 231,049
23
*(Excluding Orange Acquisition)

25. Loan Performance
$860
$990 $1,076
$406 $429 $427
$1,238
$510
$1,689
$1,752
$590 $613
$175 $191 $218 $273 $334 $347
$73 $81 $66 $68 $76 $75
2009 2010 2011 2012 2013 2014
Real Estate
Commercial
Consumer
Agricultural
Growth in FFIN Total Loans (in millions)
$1,514
$1,690
$1,787
$2,089
$2,787
24
$2,689
*As of June 30, 2014

26. 25
Overview of Loan Portfolio
Commercial
21.9%
Agriculture
2.7%
Consumer
12.5%
Real Estate
62.9%
*As of June 30, 2014

27. Breakdown of R/E Loan Portfolio
Residential
Development &
Construction
7.4%
1-4 Family
46.9%
Commercial
Development and
Construction
3.3%
Other R/E
13.6%
Commercial R/E
28.8%
26
*As of June 30, 2014

28. Loan to Deposit Ratio
2009 2010 2011 2012 2013 2014
End of
Period 56.4 54.3 53.6 57.5 65.0 64.5
27
Average
Balances
59.5 56.0 54.6 56.4 64.3 64.7
*As of June 30, 2014

29. Variable and Fixed Rate Loans
Fixed Rate
28
Loan Portfolio Interest Rate Risk Analysis
Less than
1 year
1 to 3
years
3 to 5
years
5 to 10
years
10 to 15
years
Over 15
years
Variable
Rate
34.6% 4.2% 5.0% 15.4% 18.4% 12.9% 9.5%
*As of June 30, 2014

30. Sound Lending Practices
Nonperforming assets as a percentage of loans + foreclosed assets (FFIN vs. Peers)
2009 2010 2011 2012 2013 2014
First
Financial 1.46% 1.53% 1.64% 1.22% 1.16% 0.93%*
Peer Group 5.41% 5.37% 4.59% 3.67% 2.71% 2.54%**
29
*As of June 30, 2014
**As of March 31, 2014

31. Allowance for Loan Losses and Provision for Loan Losses
30
$27,612
$31,106
$34,315 $34,839 $33,900
$35,892
$11,419
$8,962
$6,626
$3,484 $3,753 $2,814
2009 2010 2011 2012 2013 2014
ALLL Provision
(in thousands)
*As of June 30, 2014

32. Summary of Bond Portfolio
Agencies
5.73%
Corporates
4.30%
Muni
48.70%
CMOs
22.78%
MBSs
18.49%
31
*As of June 30, 2014

33. Municipal Allocation by State
State Percentage
Texas 71.32%
Michigan 2.47%
Ohio 2.46%
Washington 2.18%
Wisconsin 2.07%
New York 1.61%
Illinois 1.44%
Florida 1.41%
Colorado 1.33%
New Jersey 1.14%
Louisiana 1.14%
Massachusetts 1.07%
Other 38 states 10.36%
32
*As of June 30, 2014

34. Total Trust Assets – Book Value (in millions)
33
Growth in Trust Assets
$1,664
$1,783
$1,912
$2,233
$2,465
$2,618
2009 2010 2011 2012 2013 2014
*As of June 30, 2014

35. Growth in FFTAM Fees (Full year and 1st 6 months) (in thousands)
34
Total Trust Fees
$9,083
$10,808
$12,671
$14,464
$16,317
$4,242
$5,198
$6,254
$7,124
$7,746
thru
June 30th
$9,125
2009 2010 2011 2012 2013 2014

36. 27th Consecutive Year of Increased Earnings
FFIN Earnings (Full year and 1st 6 months) (in millions)
$53.8
$59.7
$68.4
$74.2
$78.9
$27.3 $27.9
$32.8
$36.1 $38.1
$43.5
2009 2010 2011 2012 2013 2014
35
thru
June 30th

37. Strong Shareholder Earnings
Basic Earnings Per Share (Full year and 1st 6 months)
36
$0.86
$0.95
$1.09
$1.18
$1.24
$0.44 $0.45
$0.52
$0.58 $0.60
thru
June 30th
$0.68
2009 2010 2011 2012 2013 2014
*Per share amounts reflect the 2 for 1 stock split that was announced April 22, 2014 for shareholders of record
as of May 15, 2014, distributed on June 2, 2014.

38. FFIN Outperforms Peers
Percentage Return on Average Assets
1.72% 1.75% 1.78% 1.75%
1.64%
Peer Group
First Financial
-0.18%
0.24%
0.79%
0.98%
1.05%
2009 2010 2011 2012 2013
37

39. Strong Return on Capital
Percentage Return on Average Equity
13.63% 13.74%
14.44%
13.85% 13.75%
Peer Group
-2.57%
0.88%
7.27%
8.56% 8.89%
2009 2010 2011 2012 2013
First Financial
38

40. Capital & Capital Ratios
(dollars in thousands)
2010 2011 2012 2013 2014
39
Shareholders’
Equity 441,688 508,537 556,963 587,647 640,036
As a Percent of Total
Assets
11.70 12.34 12.37 11.25 11.75
Tangible
Capital
369,164 436,415 484,990 490,163 542,607
Tier 1
Leverage Ratio
10.28 10.33 10.60 9.84 9.99
Tier 1 Risk
Based Capital Ratio
17.01 17.49 17.43 15.82 16.15
Risk Based
Capital Ratio
18.26 18.74 18.68 16.92 17.30
*As of June 30, 2014

41. 5.00%
4.75%
4.50%
4.25%
4.00%
3.75%
3.50%
3.25%
3.00%
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
3rd
Qtr. '13
4th
Qtr. '13
1st
Qtr. '14
2nd
Qtr. '14
First Financial Peer Group
Net Interest Margin
Quarterly Interest Margin
40

42. Working Harder and Smarter
Efficiency Ratio (FFIN vs. Peers)
2009 2010 2011 2012 2013 2014
First
Financial 50.11% 49.49% 48.37% 48.14% 50.19% 49.22%*
Peer Group 69.53% 67.33% 67.01% 66.61% 68.80% 67.94%**
41
*As of June 30, 2014
**As of March 31, 2014

43. Total Return on Investment
Assume you owned 1,000 shares of FFIN stock on January 1, 2013…
Stock cost in January 2013 $19,505
Dividend declared ($0.52 x 1,000 shares) $ 515
Increase in stock price during 2013
($33.06 from $19.51 X 1,000 shares)
$13,550
$2210,720
2013 return on investment 72.11%
2012 return on investment 19.65%
2011 return on investment 0.61%
2010 return on investment -2.99%
2009 return on investment 0.69%
5 year compound average return 14.01%
*Adjusted for 2 for 1 stock split distributed June 2, 2014.
42

44. Dividends Per Share
Annual Dividends Declared Per Share*
$0.45 $0.46
$0.48 $0.50
$0.52
2009 2010 2011 2012 2013
*Dividend amounts reflect the 2 for 1 stock split that was announced April 22, 2014 for shareholders of record as
of May 15, 2014, distributed on June 2, 2014.
43

45. Strong Stock Performance
150.00%
100.00%
50.00%
0.00%
-50.00%
-100.00%
Jan . ‘07 Dec ‘07 Dec ‘08 Dec . ‘09 Dec. ‘10 Dec. ’11 Dec. ’12 Jun. ’14
FFIN S&P 500 NASDAQ Dow Jones
44

46. 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

47. Opportunities
 Loan Growth
 Mortgage Lending
 Trust Services
 Treasury Management
 Mobile Banking
 Lower Efficiency Ratio
 Potential Acquisitions
46

48. www.ffin.com