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

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Balance Sheet ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,963,5143,927,1800.933,949,4401.43
Loans Held for Sale, before Reserves8,11416,256(50.09)10,704(96.79)
Loan Loss Reserve62,73092,967(32.52)68,773(35.15)
Net Loans Receivable3,908,8983,850,4691.523,891,3711.80
Intangible Assets100,950102,410(1.43)101,292(1.35)
Total Assets6,417,2136,497,048(1.23)6,253,44110.48
Deposits4,837,5074,955,840(2.39)4,729,0079.18
Debt, Senior and Subordinated809,529699,77215.68684,76072.88
Common Equity682,161710,425(3.98)692,039(5.71)
Total Shareholders' Equity682,161710,425(3.98)692,039(5.71)
Shares Outstanding (actual)57,533,04658,046,235(0.88)57,702,444(1.17)
Income Statement ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income55,80461,976(9.96)55,7720.23
Provision for Loan Losses(4,006)9,165NM6,706NM
Noninterest Income13,04325,110(48.06)22,291(165.95)
Noninterest Expense46,13452,522(12.16)47,750(13.54)
Net Income Before Taxes2,56825,458(89.91)22,556(354.46)
Provision for Taxes(1,217)9,193NM7,645NM
Net Income3,78516,265(76.73)14,911(298.46)
Per Share Items ($)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share11.8612.24(3.12)11.99(4.55)
Tangible Book Value10.1010.47(3.56)10.24(5.30)
Diluted EPS Before Extra0.070.28(75.00)0.26(292.31)
Diluted EPS After Extra0.070.28(75.00)0.26(292.31)
Dividends Declared0.15000.2800(46.43)0.2700(177.78)
Performance Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.241.03(79)0.96(72)
ROAE2.159.06(691)8.53(638)
Net Interest Margin3.944.29(35)3.95(1)
Loans / Deposits81.9379.2426983.52(158)
Efficiency Ratio63.9658.8750959.83413
Balance Sheet Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.209.51(31)9.60(40)
Equity/ Assets10.6310.93(30)11.07(44)
Asset Quality Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.131.36(23)1.38(25)
Loan Loss Reserves/ Gross Loans1.582.36(78)1.74(16)
Loan Loss Reserves/ NPAs86.52105.14(1,862)79.96656
Net Charge-offs/ Avg Loans0.410.68(27)0.356
Regulatory Capital Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio14.6116.32(171)15.26(65)
   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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