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FIRST FINANCIAL BANCORP. (NASDAQ - FFBC)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,852,7744,028,26220.474,763,5377.49
Loans Held for Sale, before Reserves21,15113,10861.3614,937166.41
Loan Loss Reserve52,87654,452(2.89)53,076(1.51)
Net Loans Receivable4,821,0493,986,91820.924,725,3988.10
Intangible AssetsNA100,245NA145,037NA
Total Assets7,383,3726,545,74412.807,245,7967.59
Deposits5,715,8154,875,12717.245,714,5900.09
Debt, Senior and Subordinated757,133874,006(13.37)639,24073.77
Common Equity802,383705,83113.68795,7423.34
Total Shareholders' Equity802,383705,83113.68795,7423.34
Shares Outstanding (actual)61,707,84757,718,3176.9161,686,8870.14
Income Statement ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income58,67454,3048.0558,5860.60
Provision for Loan Losses3,070(384)NM2,060196.12
Noninterest Income20,32116,13725.9317,61361.50
Noninterest Expense48,78646,6534.5747,7888.35
Net Income Before Taxes28,23323,91418.0626,07133.17
Provision for Taxes9,2847,96116.628,45039.48
Net Income18,94915,95318.7817,62130.15
Per Share Items ($)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share13.0012.236.3312.903.20
Tangible Book ValueNA10.49NA10.55NA
Diluted EPS Before Extra0.310.2810.710.2927.59
Diluted EPS After Extra0.310.2810.710.2927.59
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA1.050.9960.996
ROAE9.499.19309.0643
Net Interest Margin3.623.76(14)3.67(5)
Loans / Deposits84.9082.6322783.36154
Efficiency Ratio60.4764.11(364)60.73(25)
Balance Sheet Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.40NA9.16NA
Equity/ Assets10.8710.78810.98(11)
Asset Quality Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.031.24(21)1.18(15)
Loan Loss Reserves/ Gross Loans1.081.35(26)1.11(3)
Loan Loss Reserves/ NPAsNA93.17NA64.77NA
Net Charge-offs/ Avg Loans0.250.11140.215
Regulatory Capital Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.34NA12.29NA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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