36029--2/24/2009--FIRST_FINANCIAL_BANKSHARES_INC

related topics

{loan, real, estate}

{personnel, key, retain}

{investment, property, distribution}

{debt, indebtedness, cash}

Our business is concentrated in Texas and a downturn in the economy of Texas may adversely affect our business. If we are unable to continue to originate residential real estate loans and sell them into the secondary market for a profit, our earnings could decrease. Certain of our investment advisory and wealth management contracts are subject to termination on short notice, and termination of a significant number of investment advisory contracts could have a material adverse impact on our revenue. First Financial Bankshares, Inc. relies on dividends from its subsidiaries for most of its revenue. The Company may not be able to attract and retain skilled people.

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