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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 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves5,977,0375,789,5113.245,873,7657.03
Loans Held for Sale, before Reserves16,46617,414(5.44)11,939151.67
Loan Loss Reserve54,53457,618(5.35)54,873(2.47)
Net Loans Receivable5,938,9695,749,3073.305,830,8317.42
Intangible Assets208,190209,566(0.66)208,513(0.62)
Total Assets8,761,6898,368,4814.708,710,0422.37
Deposits6,726,0906,338,6836.116,468,90915.90
Debt, Senior and Subordinated983,3471,045,785(5.97)1,208,002(74.39)
Common Equity914,954861,1376.25898,1177.50
Total Shareholders' Equity914,954861,1376.25898,1177.50
Shares Outstanding (actual)62,061,46561,952,8730.1862,141,071(0.51)
Income Statement ($000)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income70,47968,8182.4168,52011.44
Provision for Loan Losses2,9531,68775.044672,129.34
Noninterest Income22,66616,55136.9516,616145.64
Noninterest Expense53,64351,3054.5651,35617.81
Net Income Before Taxes36,02532,9759.2533,95124.44
Provision for Taxes11,19910,12510.6111,215(0.57)
Net Income24,82622,8508.6522,73636.77
Per Share Items ($)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share14.7413.906.0614.458.02
Tangible Book Value11.3910.528.2811.1010.48
Diluted EPS Before Extra0.400.378.110.3732.43
Diluted EPS After Extra0.400.378.110.3732.43
Dividends Declared0.17000.16006.250.17000.00
Performance Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.131.0941.067
ROAE10.8510.622310.2560
Net Interest Margin3.573.66(9)3.561
Loans / Deposits88.8691.34(247)90.80(194)
Efficiency Ratio58.3059.60(130)60.00(170)
Balance Sheet Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.267.99288.1115
Equity/ Assets10.4410.291510.3113
Asset Quality Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.600.69(9)0.72(12)
Loan Loss Reserves/ Gross Loans0.910.99(8)0.93(2)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.25(0.01)260.1411
Regulatory Capital Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.5310.203310.54(1)
   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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