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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 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Loans Held for Investment, before Reserves3,936,6363,950,169(0.34)3,927,1800.96
Loans Held for Sale, before Reserves28,12621,05233.6016,256292.08
Loan Loss Reserve93,80295,593(1.87)92,9673.59
Net Loans Receivable3,870,9603,875,628(0.12)3,850,4692.13
Intangible Assets101,993104,499(2.40)102,410(1.63)
Total Assets6,349,0176,416,568(1.05)6,497,048(9.11)
Deposits4,821,3475,400,915(10.73)4,955,840(10.86)
Debt, Senior and Subordinated707,561154,364358.37699,7724.45
Common Equity701,614714,693(1.83)710,425(4.96)
Total Shareholders' Equity701,614714,693(1.83)710,425(4.96)
Shares Outstanding (actual)58,028,92358,539,458(0.87)58,046,235(0.12)
Income Statement ($000)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Net Interest Income58,66666,689(12.03)61,976(21.36)
Provision for Loan Losses12,08316,209(25.45)9,165127.35
Noninterest Income25,16231,925(21.18)25,1100.83
Noninterest Expense52,43855,590(5.67)52,522(0.64)
Net Income Before Taxes20,17526,627(24.23)25,458(83.01)
Provision for Taxes6,3519,633(34.07)9,193(123.66)
Net Income13,82416,994(18.65)16,265(60.03)
Per Share Items ($)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Book Value per Share12.0912.21(0.97)12.24(4.84)
Tangible Book Value10.3310.42(0.87)10.47(5.40)
Diluted EPS Before Extra0.240.29(17.24)0.28(57.14)
Diluted EPS After Extra0.240.29(17.24)0.28(57.14)
Dividends Declared0.28000.3100(9.68)0.28000.00
Performance Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
ROAA0.881.05(17)1.03(15)
ROAE7.919.67(176)9.06(115)
Net Interest Margin4.074.52(45)4.29(22)
Loans / Deposits81.6573.1485179.24241
Efficiency Ratio61.3253.4378958.87245
Balance Sheet Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.609.67(7)9.519
Equity/ Assets11.0511.14(9)10.9312
Asset Quality Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.401.52(12)1.364
Loan Loss Reserves/ Gross Loans2.372.41(4)2.361
Loan Loss Reserves/ NPAs105.1697.78737105.142
Net Charge-offs/ Avg Loans0.310.86(55)0.68(37)
Regulatory Capital Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio15.8717.18(131)16.32(45)
  † 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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