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

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Balance Sheet ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,023,6083,936,6362.213,963,5146.06
Loans Held for Sale, before Reserves6,17128,126(78.06)8,114(95.79)
Loan Loss Reserve53,59693,802(42.86)62,730(58.24)
Net Loans Receivable3,976,1833,870,9602.723,908,8986.89
Intangible Assets100,543101,993(1.42)100,942(1.58)
Total Assets6,499,0896,349,0172.366,417,2135.10
Deposits4,820,3894,821,347(0.02)4,837,507(1.42)
Debt, Senior and Subordinated895,256707,56126.53809,52942.36
Common Equity691,347701,614(1.46)682,1615.39
Total Shareholders' Equity691,347701,614(1.46)682,1615.39
Shares Outstanding (actual)57,709,93758,028,923(0.55)57,533,0461.23
Income Statement ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income54,81958,666(6.56)55,804(7.06)
Provision for Loan Losses(1,033)12,083NM(4,006)(296.85)
Noninterest Income14,12525,162(43.86)13,04333.18
Noninterest Expense46,87250,228(6.68)46,1346.40
Net Income Before Taxes22,18520,1759.962,5683,055.61
Provision for Taxes7,0816,35111.49(1,217)NM
Net Income15,10413,8249.263,7851,196.20
Per Share Items ($)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share11.9812.09(0.92)11.864.14
Tangible Book Value10.2410.33(0.93)10.105.35
Diluted EPS Before Extra0.260.248.330.071,085.71
Diluted EPS After Extra0.260.248.330.071,085.71
Dividends Declared0.15000.2800(46.43)0.15000.00
Performance Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.960.8880.2472
ROAE8.957.911042.15680
Net Interest Margin3.874.07(20)3.94(7)
Loans / Deposits83.4781.6518281.93154
Efficiency Ratio66.0858.6874064.03205
Balance Sheet Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.239.60(37)9.203
Equity/ Assets10.6411.05(41)10.631
Asset Quality Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.951.40(45)1.13(18)
Loan Loss Reserves/ Gross Loans1.332.37(104)1.58(25)
Loan Loss Reserves/ NPAs87.18105.16(1,798)86.5266
Net Charge-offs/ Avg Loans0.220.31(9)0.41(19)
Regulatory Capital Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio14.4215.87(145)14.61(19)
   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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