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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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves5,754,0825,504,6094.535,757,482(0.24)
Loans Held for Sale, before Reserves7,65715,369(50.18)13,135(166.82)
Loan Loss Reserve56,32653,7324.8357,961(11.28)
Net Loans Receivable5,705,4135,466,2464.385,712,656(0.51)
Intangible Assets208,833210,362(0.73)209,167(0.64)
Total Assets8,531,1708,193,5544.128,437,9674.42
Deposits6,529,8766,176,7775.726,525,7880.25
Debt, Senior and Subordinated978,8131,089,455(10.16)927,50122.13
Common Equity880,065826,5876.47865,2246.86
Total Shareholders' Equity880,065826,5876.47865,2246.86
Shares Outstanding (actual)62,134,28561,855,0270.4561,979,5521.00
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income68,93266,5553.5770,166(7.03)
Provision for Loan Losses3671,655(77.82)2,761(346.83)
Noninterest Income16,84815,4888.7816,946(2.31)
Noninterest Expense51,04550,2601.5650,0777.73
Net Income Before Taxes34,88429,69217.4934,1888.14
Provision for Taxes10,4709,8785.9910,894(15.57)
Net Income24,41419,81423.2223,29419.23
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share14.1613.365.9913.965.85
Tangible Book Value10.809.968.4410.598.23
Diluted EPS Before Extra0.390.3221.880.3810.53
Diluted EPS After Extra0.390.3221.880.3810.53
Dividends Declared0.17000.16006.250.160025.00
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.180.98201.117
ROAE11.369.7016610.7363
Net Interest Margin3.703.6823.71(1)
Loans / Deposits88.1289.12(100)88.23(11)
Efficiency Ratio59.2061.80(260)57.60160
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.077.72357.979
Equity/ Assets10.3210.092310.256
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.800.7820.6416
Loan Loss Reserves/ Gross Loans0.980.9701.00(3)
Loan Loss Reserves/ NPAsNA87.43NANANA
Net Charge-offs/ Avg Loans0.150.04110.105
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.5910.174210.4613
   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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