First Financial Bankshares Inc.

First Financial Bankshares Inc. is listed on NASDAQ (FFIN). First Financial Bankshares, Inc., a Texas corporation, is a financial holding company registered under the Bank Holding Company Act of 1956, or BHCA. As such, we are supervised by the Board of Governors of the Federal Reserve System, or Federal Reserve Board, as well as several other state and federal regulators. We were formed as a bank holding company in 1956 under the original name F & M Operating Company, but our banking operations date back to 1890, when Farmers and Merchants National Bank opened for business in Abilene, Texas. By 1 virtue of a series of reorganizations, mergers, and acquisitions since 1956, we now own, through our wholly-owned Delaware subsidiary, First Financial Bankshares of Delaware, Inc., ten banks, a trust company and a technology operating company, all organized and located in Texas.

First Financial Corporation Indiana

First Financial Corporation Indiana is listed on NASDAQ (THFF). First Financial Corporation is a financial services holding company. The Corporation was originally organized as an Indiana corporation in 1984 to operate as a bank holding company. For more information on the Corporations business, please refer to the following sections of the 2004 Annual Report to Shareholders, which are incorporated by reference into this Form 10-K: 1. Description of services, affiliations, number of employees, and competition, on pages 30 and 31. 2. Information regarding supervision of the Corporation, on page 12. 3. Details regarding competition, on page 30.

Gold Fields Ltd. .. of gold and major holder of gold reserves in South Africa, Ghana and Australia. Gold Fields is primarily involved in underground and surface gold min..

Gander Mountain Company ..ailer offering a broad assortment of competitively priced merchandise that caters to the needs of outdoor lifestyle enthusiasts, with a particular foc..

SANTANDER BANCORP ..olding company, registered under the Bank Holding Company Act of 1956, as amended and, accordingly, subject to the supervision and regulation by the F..

Great Southern Bancorp Inc. ..is a financial holding company which, as of December 31, 2003, owned directly all of the stock of Great Southern Bank (Great Southern or the Bank) and..

Hanover Compressor Company .., together with its subsidiaries, is a global market leader in the full service natural gas compression business and is also a leading provider of ser..

Double Eagle Petroleum Company ..Wyoming Corporation on January 13, 1972, and reincorporated in February 2001 in the State of Maryland, explores for, develops, produces and sells crud..

HON INDUSTRIES Inc. ..ed in 1944. The Company is a provider of office furniture and hearth products. Approximately 75% of fiscal year 2004 net sales were in office furnitur..

Home Federal Bancorp Inc. ..rally chartered stock corporation at the direction of Home Federal Savings and Loan Association of Nampa (Association) in connection with its mutual h..

Hungarian Telephone & Cable Corp. ..ed in Delaware in 1992 as a holding company with the intention of acquiring concessions from the government of the Republic of Hungary to own and oper..

Ibis Technology Corporation .. within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 that relate to future events or our future f..

IDM Pharma Inc. ..rein, the following discussion contains forward-looking statements that involve risks and uncertainties. These statements reflect management's current..

Immunomedics Inc. ..focused on the development of monoclonal antibody-based products for the targeted treatment of cancer, autoimmune and other serious diseases. We have ..

Incyte Corporation ..at involve risks and uncertainties. These statements relate to future periods, future events or our future operating or financial plans or performance..

Insmed Inc. .. focused on the development and commercialization of drug products for the treatment of metabolic diseases and endocrine disorders. Currently, our dev..

International Shipholding Corporation ..pany refer to International Shipholding Corporation and its subsidiaries. Through our subsidiaries, we operate a diversified fleet of U.S. and foreign..

Illinois Tool Works Inc. .. and incorporated in 1915. The Company is a worldwide manufacturer of highly engineered products and specialty systems. The Company has approximately ..

J. Alexanders Cp ..and, as of January 2, 2005, operated as a proprietary concept 27 J. Alexander's full-service, casual dining restaurants located in Alabama, Colorado, ..

KCS Energy Inc. ..dependent oil and gas company engaged in the acquisition, exploration, development and production of natural gas and crude oil. Our properties are pri..

Essex Property Trust Inc. ..istered and self-managed equity real estate investment trust (REIT) engaged in the ownership, acquisition, development and management of multifamily a..

KMG Chemicals Inc. .. of the largest sellers of industrial wood preserving chemicals in the United States. We also sell animal health pesticides and agricultural herbicide..

Kronos Incorporated ..sachusetts corporation. As part of our workforce management solution, we develop, manufacture, and market human resources, payroll, scheduling, absenc..

Lynch Corporation .. laws of the State of Indiana, is a diversified holding company with subsidiaries engaged in manufacturing. The Companys executive offices are located..

Lifecore Biomedical Inc. ..biomaterials and medical devices for use in various surgical markets. The Company was incorporated in the State of Minnesota in 1965. The Company oper..

Louisiana-Pacific Corporation ..leading manufacturer and distributor of building products. As of December 31, 2004, we had approximately 6,500 employees and operated 34 facilities in..

LIN TV Corp .. operator with stations located in the United States and Puerto Rico. At December 31, 2004, our stations covered approximately 8.1% of U.S. television..

Lexmark International Inc. ..re corporation and the surviving company of a merger between itself and its former parent holding company, Lexmark International Group, Inc., (Group) ..

Mobile TeleSystems ..Development Mobile TeleSystems CJSC, or MTS CJSC, our predecessor, was formed in 1993. The founding shareholders included MGTS and three other Russian..

Medicis Pharmaceutical Corporation ..its wholly owned subsidiaries is a leading specialty pharmaceutical company focusing primarily on helping patients attain a healthy and youthful appea..

Met-Pro Corporation .. State of Delaware on March 30, 1966 and reincorporated in the State of Pennsylvania on July 31, 2003, manufactures and sells product recovery and pol..

Micron Technology Inc. ..n and other forward-looking statements that involve a number of risks and uncertainties. Forward-looking statements include, but are not limited to, s..

Hersha Hospitality Trust ..d real estate investment trust that was organized in 1998 and completed its initial public offering in January of 1999. Our common shares are traded o..

Monmouth Real Estate Investment Corporation ..corporation operating as a qualified real estate investment trust (REIT) under Sections 856-860 of the Internal Revenue Code (the Code), and intends t..

Marlin Business Services Corp. ..g solutions primarily to small businesses. We finance over 60 categories of commercial equipment important to our end user customers, including copier..

MannKind Corporation ..annKind, we, company, us and our refer to MannKind Corporation and its subsidiary. Technospherc® and MedTone® are our registered trademark in the Unit..

Max Re Capital Ltd. ..therwise requires, all references in this Annual Report on Form 10-K to we, us, our and similar expressions are references to Max Re Capital Ltd. and ..

NACCO Industries Inc. ..ding company with three principal businesses: lift trucks, housewares and mining. (a) NACCO Materials Handling Group. NACCO Materials Handling Group c..

Neose Technologies Inc. ..atic technologies to develop proprietary drugs, focusing primarily on therapeutic proteins. We believe that our core enzymatic technologies, GlycoAdva..

NGP Capital Resources Company ..uly 2004 as a Maryland corporation to invest primarily in small and mid-size energy companies, which we generally define as companies that have net as..

National Medical Health Card Systems Inc. ..e read in conjunction with the information elsewhere in this Form 10-K. References in this Form 10-K to we, our, us, or the Company, refer to NMHC. Ge..

Neurocrine Biosciences Inc. ..rugs for the treatment of neurological and endocrine-related diseases and disorders. Our product candidates address some of the largest pharmaceutical..

Nutrition 21 Inc. .. the research, development and commercialization of innovative chromium-based nutrition products for use in improving the structure or function of the..

Nyer Medical Group Inc. ..corporated in 1991, is a holding company with operations in the following segments: Pharmacies. D.A.W., Inc. (Eaton or D.A.W.), 80% owned by the Compa..

Empire Resources Inc. ..are in 1990 under the name Integrated Technology USA, Inc. Until September 17, 1999, the Company was in the business of designing, developing and mark..

Old Line Bancshares Inc. (MD) ..he laws of the State of Maryland on April 11, 2003 to serve as the holding company of Old Line Bank. On May 22, 2003, the stockholders of Old Line Ban..

Orix Corp Ads ..ion (kabushiki kaisha) formed under Japanese law. Our principal place of business is at Mita NN Bldg., 4-1-23 Shiba, Minato-ku, Tokyo 108-0014, Japan,..

Mikron Infrared Inc. ..infrared non-contact temperature measurement since 1969. Today, we provide industrial customers and R&D laboratories with accurate instrumentation ran..

Pharmos Corporation ..cal company that discovers and develops new drugs to treat a range of neuro-inflammatory disorders. We have a portfolio of drug candidates under devel..

Southern Peru Copper Corporation ..rates mining, smelting and refining facilities in the southern part of Peru. The Company, incorporated in 1952 was reorganized in 1955, 1996 and 1998 ..

Peoples Educational Holdings Inc. .., distributes, and markets supplementary books, technology, classroom assessment, and professional development materials for the K-12 market. Suppleme..

Pfeiffer Vacuum Technology AG ..y AG is domiciled at Berliner Strasse 43, D-35614 Asslar, Germany; telephone: +49-(0)6441-802-0, fax: +49-(0)6441-802-202, http:-www.pfeiffer-vacuum.n..

Photon Dynamics Inc. ..ornia corporation incorporated on May 12, 1986. We are a leading global provider of yield management solutions to the flat panel display industry. Our..

Polydex Pharmaceuticals Limited .. research, development, manufacture and marketing of biotechnology-based products for the human pharmaceutical market, and also manufactures bulk phar..

Pinnacle West Capital Corporation ..aws of the State of Arizona and owns all of the outstanding equity securities of APS, its major subsidiary. APS is a vertically-integrated electric ut..

ProCentury Corporation ..y property and casualty insurance holding company. We market and underwrite general liability, commercial property, multi-peril insurance and garage l..

Partners Trust Financial Group Inc. .., which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. Thes..

Psychemedics Corporation ..n organized on September 24, 1986 to provide testing services for the detection of abused substances through the analysis of hair samples. The Company..

Parkway Properties Inc. ..e investment trust (REIT) specializing in the operations, acquisition, ownership, management, and leasing of office properties. The Company is self-ad..

Queenstake Resources Ltd ..tory Effective with the Santa Cruz business combination in July, 1999 (see Corporate Structure - Name and Incorporation), the Company acquired Santa C..

Red Hat Inc. ..perating systems and related software and services based on open source technology for large enterprises. First introduced in 2002, Red Hat Enterprise..

REMINGTON OIL & GAS CORP .. on Form 10-Q, Current Reports on Form 8-K, and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Ex..

Regent Communications Inc. ..uiring, developing and operating radio stations in mid-sized and small markets. We currently own 56 FM and 19 AM radio stations in 15 markets in Calif..

Rio Vista Energy Partners L.P. ..ware limited partnership, was formed by Penn Octane Corporation (Penn Octane) on July 10, 2003 and was a wholly owned subsidiary of Penn Octane until ..

San Juan Basin Royalty Trust ..ws of the state of Texas by the San Juan Basin Royalty Trust Indenture (the Original Indenture) entered into on November 3, 1980, between Southland Ro..

Skyline Corporation .. Indiana in 1959, as successor to a business founded in 1951. Skyline Corporation and its consolidated subsidiaries design, produce and distribute ma..

SRA International Inc ..y services and solutions to clients in national security, civil government, and health care and public health. Our largest market, national security, ..

Super Vision International Inc. ..ures, markets and sells LED and fiber optic lighting products to be used in applications in the commercial, architectural, signage, swimming pool and ..

Tiens Biotech Group (USA) Inc. ..rly known as Strategika, Inc. (Strategika), was incorporated on July 13, 1990 as Super Shops, Inc. in the State of Michigan. In October 2000, Super Sh..

Transmeta Corporation ..d on designing, developing and selling x86-compatible microprocessor products, including products in both our Crusoe® and Efficeontm families. Unlike ..