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Section 1: 10-Q (10-Q)

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Table of Contents

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D.C.  20549

FORM 10-Q


QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended                                           September 30, 2019                                                   

OR

TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ____________________ to ____________________

Commission file number 001-34762
FIRST FINANCIAL BANCORP /OH/
(Exact name of registrant as specified in its charter)

Ohio
 
31-1042001
(State or other jurisdiction of
incorporation or organization)
 
(I.R.S. Employer
Identification No.)
 
 
 
 
 
255 East Fifth Street, Suite 800
Cincinnati,
Ohio
 
45202
(Address of principal executive offices)
 
(Zip Code)

Registrant's telephone number, including area code:  (877) 322-9530

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
 
Trading symbol
 
Name of each exchange on which registered
Common stock, No par value
 
FFBC
 
The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes       No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes       No  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of large accelerated filer, accelerated filer, smaller reporting company, and emerging growth company in Rule 12b-2 of the Exchange Act.
Large accelerated filer
 ☒
Accelerated filer
 
 
 
 
Non-accelerated filer
Smaller reporting company
 
 
 
 
 
 
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of Exchange Act).
Yes   No   

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date. The registrant has one class of common stock (no par value) with 99,382,268 shares outstanding at November 6, 2019.


Table of Contents

FIRST FINANCIAL BANCORP.

INDEX


 
Page No.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 



Table of Contents

Glossary of Abbreviations and Acronyms

First Financial has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations.

AFS
Available-for-sale
 
FDIC
Federal Deposit Insurance Corporation
ALLL
Allowance for loan and lease losses
 
FHLB
Federal Home Loan Bank
AOCI
Accumulated other comprehensive income
 
First Financial
First Financial Bancorp.
ASC
Accounting standards codification
 
Form 10-K
First Financial Bancorp. Annual Report on Form 10-K
ASU
Accounting standards update
 
FRB
Federal Reserve Bank
Bank
First Financial Bank
 
GAAP
U.S. Generally Accepted Accounting Principles
Basel III
Basel Committee regulatory capital reforms, Third Basel Accord
 
HTM
Held-to-maturity
BGF or Bannockburn
Bannockburn Global Forex, LLC
 
Insignificant
Less than $0.1 million
Bp/bps
Basis point(s)
 
IRLC
Interest rate lock commitment
BOLI
Bank owned life insurance
 
MSFG
MainSource Financial Group, Inc.
CDs
Certificates of deposit
 
N/A
Not applicable
C&I
Commercial & industrial
 
NII
Net interest income
CRE
Commercial real estate
 
OREO
Other real estate owned
Company
First Financial Bancorp.
 
PCA
Prompt corrective action
DDA
Demand deposit account
 
ROU
Right-of-use
ERM
Enterprise risk management
 
SEC
U.S. Securities and Exchange Commission
EVE
Economic value of equity
 
Topic 842
FASB ASC Topic 842, Leasing
Fair Value Topic
FASB ASC Topic 820, Fair Value Measurement
 
TDR
Troubled debt restructuring
FASB
Financial Accounting Standards Board
 
USD
United States dollars
 
 
 
 
 




Table of Contents

PART I - FINANCIAL INFORMATION
ITEM I - FINANCIAL STATEMENTS
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands)
 
September 30,
2019
 
December 31,
2018
 
(Unaudited)
 
 
Assets
 
 
 
Cash and due from banks
$
242,482

 
$
236,221

Interest-bearing deposits with other banks
39,669

 
37,738

Investment securities available-for-sale, at fair value (amortized cost $2,789,151 at September 30, 2019 and $2,792,326 at December 31, 2018)
2,850,502

 
2,779,255

Investment securities held-to-maturity (fair value $149,724 at September 30, 2019 and $424,118 at December 31, 2018)
148,778

 
429,328

Other investments
124,965

 
115,660

Loans held for sale
23,528

 
4,372

Loans and leases
 
 
 
Commercial & industrial
2,470,017

 
2,514,661

Lease financing
92,616

 
93,415

Construction real estate
515,960

 
548,935

Commercial real estate
4,015,908

 
3,754,681

Residential real estate
1,055,007

 
955,646

Home equity
776,885

 
817,282

Installment
88,275

 
93,212

Credit card
49,010

 
46,382

Total loans and leases
9,063,678

 
8,824,214

Less:  Allowance for loan and lease losses
56,552

 
56,542

Net loans and leases
9,007,126

 
8,767,672

Premises and equipment
213,681

 
215,652

Goodwill
937,689

 
880,251

Other intangibles
79,506

 
40,805

Accrued interest and other assets
812,519

 
479,706

Total assets
$
14,480,445

 
$
13,986,660

 
 
 
 
Liabilities
 

 
 

Deposits
 

 
 

Interest-bearing demand
$
2,316,301

 
$
2,307,071

Savings
2,924,200

 
3,167,325

Time
2,308,617

 
2,173,564

Total interest-bearing deposits
7,549,118

 
7,647,960

Noninterest-bearing
2,534,739

 
2,492,434

Total deposits
10,083,857

 
10,140,394

Federal funds purchased and securities sold under agreements to repurchase
85,286

 
183,591

FHLB short-term borrowings
1,128,900

 
857,100

Total short-term borrowings
1,214,186

 
1,040,691

Long-term debt
498,778

 
570,739

Total borrowed funds
1,712,964

 
1,611,430

Accrued interest and other liabilities
422,311

 
156,587

Total liabilities
12,219,132

 
11,908,411

 
 
 
 
Shareholders' equity
 

 
 

Common stock - no par value
 

 
 

Authorized - 160,000,000 shares; Issued - 104,281,794 shares in 2019 and 2018
1,639,333

 
1,633,256

Retained earnings
685,368

 
600,014

Accumulated other comprehensive income (loss)
15,450

 
(44,408
)
Treasury stock, at cost, 4,186,975 shares in 2019 and 6,387,508 shares in 2018
(78,838
)
 
(110,613
)
Total shareholders' equity
2,261,313

 
2,078,249

Total liabilities and shareholders' equity
$
14,480,445

 
$
13,986,660


See Notes to Consolidated Financial Statements.

1

Table of Contents

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Dollars in thousands, except per share data)
(Unaudited)

 
Three months ended
 
Nine months ended
 
September 30,
 
September 30,
 
2019
 
2018
 
2019
 
2018
Interest income
 
 
 
 
 
 
 
Loans and leases, including fees
$
126,786

 
$
123,397

 
$
376,207

 
$
320,607

Investment securities
 
 
 
 
 
 
 
Taxable
22,180

 
21,801

 
70,031

 
56,315

Tax-exempt
4,457

 
3,807

 
13,051

 
9,532

Total interest on investment securities
26,637

 
25,608

 
83,082

 
65,847

Other earning assets
222

 
215

 
638

 
499

Total interest income
153,645

 
149,220

 
459,927

 
386,953

Interest expense
 

 
 

 
 
 
 
Deposits
20,151

 
14,672

 
60,006

 
39,764

Short-term borrowings
7,199

 
6,052

 
19,805

 
12,847

Long-term borrowings
4,760

 
5,011

 
14,764

 
11,066

Total interest expense
32,110

 
25,735

 
94,575

 
63,677

Net interest income
121,535

 
123,485

 
365,352

 
323,276

Provision for loan and lease losses
5,228

 
3,238

 
25,969

 
9,276

Net interest income after provision for loan and lease losses
116,307

 
120,247

 
339,383

 
314,000

Noninterest income
 

 
 

 
 
 
 
Service charges on deposit accounts
9,874

 
10,316

 
28,596

 
24,923

Trust and wealth management fees
3,718

 
3,728

 
11,731

 
11,379

Bankcard income
3,316

 
5,261

 
15,399

 
13,998

Client derivative fees
4,859

 
3,029

 
11,468

 
6,249

Foreign exchange income
1,708

 
0

 
1,725

 
0

Net gain from sales of loans
4,806

 
1,739

 
10,128

 
4,643

Net gain (loss) on sales/transfers of investment securities
105

 
(167
)
 
(110
)
 
(197
)
Other
4,754

 
4,778

 
15,668

 
12,883

Total noninterest income
33,140

 
28,684

 
94,605

 
73,878

Noninterest expenses
 

 
 

 
 
 
 
Salaries and employee benefits
53,212

 
50,852

 
155,109

 
137,485

Net occupancy
5,509

 
6,765

 
17,735

 
17,893

Furniture and equipment
4,120

 
4,072

 
11,758

 
11,410

Data processing
5,774

 
4,502

 
15,885

 
22,478

Marketing
1,346

 
2,502

 
4,928

 
5,947

Communication
910

 
785

 
2,385

 
2,362

Professional services
4,771

 
2,621

 
9,062

 
10,478

State intangible tax
1,445

 
1,223

 
4,062

 
3,066

FDIC assessments
(1,097
)
 
734

 
918

 
2,951

Intangible assets amortization
2,432

 
2,486

 
6,521

 
5,130

Other
7,804

 
8,873

 
20,740

 
21,258

Total noninterest expenses
86,226

 
85,415

 
249,103

 
240,458

Income before income taxes
63,221

 
63,516

 
184,885

 
147,420

Income tax expense
12,365

 
12,859

 
35,487

 
29,839

Net income
$
50,856

 
$
50,657

 
$
149,398

 
$
117,581

Net earnings per common share - basic
$
0.52

 
$
0.52

 
$
1.52

 
$
1.37

Net earnings per common share - diluted
$
0.51

 
$
0.51

 
$
1.51

 
$
1.36

Cash dividends declared per share
$
0.23

 
$
0.20

 
$
0.67

 
$
0.58

Average common shares outstanding - basic
98,517,025

 
97,411,201

 
98,177,802

 
85,602,116

Average common shares outstanding - diluted
99,077,723

 
98,484,228

 
98,723,173

 
86,639,927


See Notes to Consolidated Financial Statements.

2

Table of Contents


FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Dollars in thousands)
(Unaudited)
 
 
 
 
 
 
 
 
 
Three months ended
 
Nine months ended
 
September 30,
 
September 30,
 
2019
 
2018
 
2019
 
2018
Net income
$
50,856

 
$
50,657

 
$
149,398

 
$
117,581

Other comprehensive income (loss), net of tax:
 
 
 
 
 
 
 
Unrealized gain (loss) on debt securities arising during the period
9,915

 
(10,185
)
 
57,930

 
(28,993
)
Change in retirement obligation
269

 
347

 
805

 
1,164

Unrealized gain (loss) on derivatives
73

 
99

 
217

 
414

Other comprehensive income (loss)
10,257

 
(9,739
)
 
58,952

 
(27,415
)
Comprehensive income
$
61,113

 
$
40,918

 
$
208,350

 
$
90,166

 
 
 
 
 
 
 
 
                   See Notes to Consolidated Financial Statements.


3

Table of Contents

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
(Dollars in thousands except per share data)
(Unaudited)

 
Common Stock
 
Retained
 
Accumulated other comprehensive
 
Treasury stock
 
 
 
Shares
 
Amount
 
Earnings
 
income (loss)
 
Shares
 
Amount
 
Total
Balance at July 1, 2018
104,281,794

 
$
1,632,572

 
$
533,469

 
$
(43,158
)
 
(6,376,897
)
 
$
(109,946
)
 
$
2,012,937

Net income
 

 
 
 
50,657

 
 
 
 
 
 
 
50,657

Other comprehensive income (loss)
 
 
 
 
 
 
(9,739
)
 
 
 
 
 
(9,739
)
Cash dividends declared:
 
 
 
 
 
 
 
 
 
 
 
 
 
Common stock at $0.20 per share
 
 
 
 
(19,581
)
 
 
 
 
 
 
 
(19,581
)
Warrant exercises
 
 
(62
)
 
 
 
 
 
3,623

 
62

 
0

Exercise of stock options, net of shares purchased
 
 
(7
)
 
 
 
 
 
1,387

 
24

 
17

Restricted stock awards, net of forfeitures
 
 
(214
)
 
 
 
 
 
4,619

 
(96
)
 
(310
)
Share-based compensation expense
 
 
1,539

 
 
 
 
 
 
 
 
 
1,539

Balance at September 30, 2018
104,281,794

 
$
1,633,828

 
$
564,545

 
$
(52,897
)
 
(6,367,268
)
 
$
(109,956
)
 
$
2,035,520

Balance at July 1, 2019
104,281,794

 
$
1,623,699

 
$
657,730

 
$
5,193

 
(5,634,104
)
 
$
(98,433
)
 
$
2,188,189

Net income
 
 
 
 
50,856

 
 
 
 
 
 
 
50,856

Other comprehensive income (loss)
 
 
 
 
 
 
10,257

 
 
 
 
 
10,257

Cash dividends declared:
 
 
 
 
 
 
 
 
 
 
 
 
 
Common stock at $0.23 per share
 
 
 
 
(23,218
)
 
 
 
 
 
 
 
(23,218
)
Purchase of common stock
 
 
 
 
 
 
 
 
(1,143,494
)
 
(27,372
)
 
(27,372
)
Common stock issued in connection with business combinations
 
 
13,658

 
 
 
 
 
2,601,823

 
47,276

 
60,934

Restricted stock awards, net of forfeitures
 
 
271

 
 
 
 
 
(11,200
)
 
(309
)
 
(38
)
Share-based compensation expense
 
 
1,705

 
 
 
 
 
 
 
 
 
1,705

Balance at September 30, 2019
104,281,794

 
$
1,639,333

 
$
685,368

 
$
15,450

 
(4,186,975
)
 
$
(78,838
)
 
$
2,261,313


See Notes to Consolidated Financial Statements.


4

Table of Contents

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
(Dollars in thousands except per share data)
(Unaudited)

 
Common Stock
 
Retained
 
Accumulated other comprehensive
 
Treasury stock
 
 
 
Shares
 
Amount
 
Earnings
 
income (loss)
 
Shares
 
Amount
 
Total
Balance at January 1, 2018
68,730,731

 
$
573,109

 
$
491,847

 
$
(20,390
)
 
(6,661,644
)
 
$
(113,902
)
 
$
930,664

Impact of cumulative effect of adoption of new accounting principles
 
 
 
 
5,092

 
(5,092
)
 
 
 
 
 
0

Net income
 

 
 
 
117,581

 
 
 
 
 
 
 
117,581

Other comprehensive income (loss)
 
 
 
 
 
 
(27,415
)
 
 
 
 
 
(27,415
)
Cash dividends declared:
 
 
 
 
 
 
 
 
 
 
 
 
 
Common stock at $0.58 per share
 
 
 
 
(49,975
)
 
 
 
 
 
 
 
(49,975
)
Common stock issued in connection with business combinations
35,551,063

 
1,045,876

 
 
 
 
 
 
 
 
 
1,045,876

Stock options and warrants acquired and converted in connection with business combinations
 
 
16,037

 
 
 
 
 
 
 
 
 
16,037

Warrant exercises
 
 
(984
)
 
 
 
 
 
57,530

 
984

 
0

Exercise of stock options, net of shares purchased
 
 
(282
)
 
 
 
 
 
32,941

 
566

 
284

Restricted stock awards, net of forfeitures
 
 
(4,913
)
 
 
 
 
 
203,905

 
2,396

 
(2,517
)
Share-based compensation expense
 
 
4,985

 
 
 
 
 
 
 
 
 
4,985

Balance at September 30, 2018
104,281,794

 
$
1,633,828

 
$
564,545

 
$
(52,897
)
 
(6,367,268
)
 
$
(109,956
)
 
$
2,035,520

Balance at January 1, 2019
104,281,794

 
$
1,633,256

 
$
600,014

 
$
(44,408
)
 
(6,387,508
)
 
$
(110,613
)
 
$
2,078,249

Impact of cumulative effect of adoption of new accounting principles
 
 
 
 
2,636

 
906

 
 
 
 
 
3,542

Net income
 
 
 
 
149,398

 
 
 
 
 
 
 
149,398

Other comprehensive income (loss)
 
 
 
 
 
 
58,952

 
 
 
 
 
58,952

Cash dividends declared:
 
 
 
 
 
 
 
 
 
 
 
 
 
Common stock at $0.67 per share
 
 
 
 
(66,680
)
 
 
 
 
 
 
 
(66,680
)
Purchase of common stock
 
 
 
 
 
 
 
 
(1,143,494
)
 
(27,372
)
 
(27,372
)
Common stock issued in connection with business combinations
 
 
13,658

 
 
 
 
 
2,601,823

 
$
47,276

 
60,934

Warrant exercises
 
 
(7,830
)
 
 
 
 
 
452,134

 
7,830

 
0

Exercise of stock options, net of shares purchased
 
 
(264
)
 
 
 
 
 
20,424

 
354

 
90

Restricted stock awards, net of forfeitures
 
 
(5,954
)
 
 
 
 
 
269,646

 
3,687

 
(2,267
)
Share-based compensation expense
 
 
6,467

 
 
 
 
 
 
 
 
 
6,467

Balance at September 30, 2019
104,281,794

 
$
1,639,333

 
$
685,368

 
$
15,450

 
(4,186,975
)
 
$
(78,838
)
 
$
2,261,313


See Notes to Consolidated Financial Statements.

5

Table of Contents

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Dollars in thousands)
(Unaudited)
 
Nine months ended
 
September 30,
 
2019
 
2018
Operating activities
 
 
 
Net income
$
149,398

 
$
117,581

Adjustments to reconcile net income to net cash provided by operating activities:
 
 
 
Provision for loan and lease losses
25,969

 
9,276

Depreciation and amortization
20,136

 
17,326

Stock-based compensation expense
6,467

 
4,985

Pension expense (income)
781

 
521

Net amortization (accretion) on investment securities
8,663

 
8,209

Net (gain) loss on sales of investment securities
110

 
197

Originations of loans held for sale
(269,271
)
 
(113,142
)
Net gains from sales of loans held for sale
(10,128
)
 
(4,643
)
Proceeds from sales of loans held for sale
260,243

 
112,904

Deferred income taxes
12,626

 
(349
)
Amortization of operating leases
5,494

 
0

Payments for operating leases
(5,652
)
 
0

Decrease (increase) cash surrender value of life insurance
(3,017
)
 
(4,484
)
Decrease (increase) in interest receivable
201

 
(4,264
)
(Decrease) increase in interest payable
1,160

 
3,597

Decrease (increase) in other assets
(232,483
)
 
1,875

(Decrease) increase in other liabilities
137,405

 
24,990

Net cash provided by (used in) operating activities
108,102

 
174,579

 
 
 
 
Investing activities
 

 
 

Proceeds from sales of securities available-for-sale
400,533

 
259,518

Proceeds from calls, paydowns and maturities of securities available-for-sale
401,586

 
271,597

Purchases of securities available-for-sale
(518,455
)
 
(566,528
)
Proceeds from calls, paydowns and maturities of securities held-to-maturity
12,073

 
31,964

Purchases of securities held-to-maturity
0

 
(14,014
)
Purchases of other investment securities
(11,620
)
 
0

Net decrease (increase) in interest-bearing deposits with other banks
(1,931
)
 
4,985

Net decrease (increase) in loans and leases
(267,320
)
 
(45,783
)
Proceeds from disposal of other real estate owned
1,207

 
3,138

Purchases of premises and equipment
(15,227
)
 
(15,544
)
Net cash acquired (paid) from business combinations
(51,663
)
 
64,941

Net cash (paid) received for branch divestitures
118

 
(41,197
)
Net cash provided by (used in) investing activities
(50,699
)
 
(46,923