![]() Exhibit 99.1 |
![]() 2013 Annual Shareholder Meeting |
![]() 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 |
![]() 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 |
![]() 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 |
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![]() Board of Directors Years as Board Member Committee Appointment Steven L. Beal Director and Former President and COO of Concho Resources Inc. 3 Executive / Audit Compensation Nominating/Corporate Governance Tucker S. Bridwell President, Mansefeldt Investment Corporation 6 Lead Director / Executive Audit / Nominating/ Corporate Governance Joseph E. Canon Executive Director, Dodge Jones Foundation 17 Compensation Asset and Liability David Copeland President, SIPCO, Inc. and Shelton Family Foundation 15 Executive / Audit Nominating/Corporate Governance Asset and Liability F. Scott Dueser Chairman of the Board, President and CEO 22 Executive Murray Edwards Principal, The Edwards Group 7 Executive / Audit Nominating /Corporate Governance |
![]() Board of Directors Years as Board Member Committee Appointment Ron Giddiens G&G Investments 3 Audit Asset and Liability Tim Lancaster President & CEO Hedrick Health System - Proposed - Audit Kade L. Matthews Ranching and Investments 14 Compensation Johnny E. Trotter President and CEO Livestock Investors, Ltd. 9 Executive Compensation Nominating/Corporate Governance |
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![]() Independent Public Auditors |
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![]() Forward Looking Statement The numbers, as of and for the three months 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. |
![]() 2012 Financial Review |
![]() Earnings |
![]() 26th Consecutive Year of Increased Earnings |
![]() Strong Shareholder Earnings |
![]() Working Harder and Smarter |
![]() Net Interest Margin Quarterly Interest Margin |
![]() FFIN Outperforms Peers Percentage Return on Average Assets |
![]() Strong Return on Capital Percentage Return on Average Equity |
![]() Capital Ratios |
![]() Asset Performance |
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![]() Sound Lending Practices |
![]() Deposit Growth |
![]() 1 st Quarter 2013 Summary |
![]() 1 st Quarter Earnings |
![]() Account Growth Net Growth in 2011 – 4,036 Accounts Net Growth in 2012 – 1,219 Accounts New Growth in 2013 – 1,139 Accounts |
![]() Shareholder Earnings – 1 st Quarter |
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![]() Growth in Trust Assets |
![]() Total Trust Fees |
![]() Revenue from Mineral Management |
![]() Net Trust Income |
![]() Managed Equity Styles Equity Income Core Domestic Core Diversified Core World Strategic Growth |
![]() Net Trust Income – 1 st Quarter |
![]() 36 |
![]() Board of Directors – First Financial Trust & Asset Management |
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![]() The More Things Change, The More We Stay The Same |
![]() Customer Service First |
![]() Mobile Banking |
![]() Challenges Overwhelming number of unreasonable regulations from Washington Stagnant national economy Inept federal government Low interest rate environment Maintaining net interest margin Keep nonperforming assets to a minimum |
![]() Consolidation of Charters Regulatory compliance Technology complexities Cost Savings |
![]() Opportunities Loan Growth Mortgage Lending Trust Services Treasury Management Mobile Banking Lower Efficiency Ratio Potential Acquisitions |
![]() Recent De Novo Growth Weatherford – I-20 Branch – Expected to Open 2 nd 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 |
![]() Grapevine |
![]() Antilley Road - Abilene |
![]() Waxahachie |
![]() HEB – San Angelo |
![]() I-20 - Weatherford |
![]() Core Markets: West Central Texas Markets served benefiting from well-established, long- time customers * Data as of 03-31-13 ** Data as of 06-30-12 |
![]() Expansion Markets |
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![]() 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 |
![]() Stephen Lee – President Orange Savings Bank |
![]() Board of Directors – Orange Savings Bank |
![]() Orange |
![]() Mauriceville |
![]() Newton |
![]() Vidor |
![]() Port Arthur |
![]() 26th Consecutive Year of Increased Earnings |
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![]() 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 |
![]() ![]() ![]() ![]() Total Return on Investment Assume you owned 1,000 shares of FFIN stock on January 1, 2012… |
![]() Strong Stock Performance |
![]() Dividends Per Share |
![]() Increase Cash Dividend Today $0.25 per share quarterly Increase cash divided to $0.26 per quarter – 4.0% increase Shareholders of record as of June 14, 2013 Dividend payable July 1, 2013 |
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![]() www.ffin.com |