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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,013,1835,757,4824.445,977,0372.42
Loans Held for Sale, before Reserves11,50213,135(12.43)16,466(120.59)
Loan Loss Reserve54,02157,961(6.80)54,534(3.76)
Net Loans Receivable5,970,6645,712,6564.525,938,9692.13
Intangible AssetsNA209,167NA208,190NA
Total Assets8,896,9238,437,9675.448,761,6896.17
Deposits6,895,0466,525,7885.666,726,09010.05
Debt, Senior and Subordinated934,219927,5010.72983,347(19.98)
Common Equity930,664865,2247.56914,9546.87
Total Shareholders' Equity930,664865,2247.56914,9546.87
Shares Outstanding (actual)62,069,08761,979,5520.1462,061,4650.05
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income75,61470,1667.7670,47929.14
Provision for Loan Losses(205)2,761NM2,953NM
Noninterest Income18,36316,9468.3622,666(75.94)
Noninterest Expense57,49450,07714.8153,64328.72
Net Income Before Taxes11,30334,188(66.94)36,025(274.50)
Provision for Taxes(13,508)10,894NM11,199NM
Net Income24,81123,2946.5124,826(0.24)
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share14.9913.967.4114.746.82
Tangible Book ValueNA10.59NA11.39NA
Diluted EPS Before Extra0.400.385.260.400.00
Diluted EPS After Extra0.400.385.260.400.00
Dividends Declared0.17000.16006.250.17000.00
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA1.131.1121.130
ROAE10.7010.73(3)10.85(15)
Net Interest Margin3.823.71113.5725
Loans / Deposits87.2188.23(102)88.86(165)
Efficiency Ratio57.9957.495057.0297
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.97NA8.26NA
Equity/ Assets10.4610.252110.442
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.500.64(14)0.60(10)
Loan Loss Reserves/ Gross Loans0.901.00(11)0.91(1)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.020.10(8)0.25(23)
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio10.5910.461310.536
   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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