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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)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves5,701,2134,852,77417.485,504,60914.29
Loans Held for Sale, before Reserves10,49421,151(50.39)15,369(126.88)
Loan Loss Reserve56,70852,8767.2553,73222.15
Net Loans Receivable5,654,9994,821,04917.305,466,24613.81
Intangible AssetsNA144,593NA210,362NA
Total Assets8,310,1027,383,37212.558,193,5545.69
Deposits6,119,6245,715,8157.066,176,777(3.70)
Debt, Senior and Subordinated1,234,680757,13363.071,089,45553.32
Common Equity846,723802,3835.53826,5879.74
Total Shareholders' Equity846,723802,3835.53826,5879.74
Shares Outstanding (actual)61,959,52961,707,8470.4161,855,0270.68
Income Statement ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income67,13258,67414.4266,5553.47
Provision for Loan Losses4,0373,07031.501,655575.71
Noninterest Income17,98220,321(11.51)15,48864.41
Noninterest Expense49,21348,7860.8850,220(8.02)
Net Income Before Taxes33,87628,23319.9929,69256.37
Provision for Taxes11,3089,28421.809,87857.91
Net Income22,56818,94919.1019,81455.60
Per Share Items ($)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share13.6713.005.1013.369.05
Tangible Book ValueNA10.66NA9.96NA
Diluted EPS Before Extra0.360.3116.130.3250.00
Diluted EPS After Extra0.360.3116.130.3250.00
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA1.111.0560.9813
ROAE10.849.491359.70114
Net Interest Margin3.673.6253.68(1)
Loans / Deposits93.1684.9082689.12404
Efficiency Ratio56.6060.50(390)61.20(460)
Balance Sheet Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.09NA7.72NA
Equity/ Assets10.1910.87(68)10.0910
Asset Quality Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.721.03(31)0.78(6)
Loan Loss Reserves/ Gross Loans0.991.08(9)0.972
Loan Loss Reserves/ NPAsNA73.03NA87.43NA
Net Charge-offs/ Avg Loans0.090.26(17)0.045
Regulatory Capital Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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