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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 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,028,2624,004,3930.604,023,6080.46
Loans Held for Sale, before Reserves13,10818,650(29.72)6,171449.65
Loan Loss Reserve54,45280,008(31.94)53,5966.39
Net Loans Receivable3,986,9183,943,0351.113,976,1831.08
Intangible Assets100,245101,643(1.38)100,543(1.19)
Total Assets6,545,7446,274,5754.326,499,0892.87
Deposits4,875,1274,770,6362.194,820,3894.54
Debt, Senior and Subordinated874,006693,88725.96895,256(9.49)
Common Equity705,831695,4521.49691,3478.38
Total Shareholders' Equity705,831695,4521.49691,3478.38
Shares Outstanding (actual)57,718,31757,698,3440.0357,709,9370.06
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income54,30458,078(6.50)54,819(3.76)
Provision for Loan Losses(384)(5,874)(93.46)(1,033)(251.31)
Noninterest Income16,13711,42741.2214,12556.98
Noninterest Expense46,65351,765(9.88)46,872(1.87)
Net Income Before Taxes23,91422,2847.3122,18531.17
Provision for Taxes7,9616,45523.337,08149.71
Net Income15,95315,8290.7815,10422.48
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share12.2312.051.4611.988.32
Tangible Book Value10.4910.291.9510.249.95
Diluted EPS Before Extra0.280.273.700.2630.77
Diluted EPS After Extra0.280.273.700.2630.77
Dividends Declared0.15000.2400(37.50)0.15000.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.991.01(2)0.963
ROAE9.199.02178.9524
Net Interest Margin3.764.06(30)3.87(11)
Loans / Deposits82.6383.94(131)83.47(84)
Efficiency Ratio64.1176.28(1,217)66.08(197)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.409.62(22)9.2316
Equity/ Assets10.7811.08(30)10.6415
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.891.38(49)0.95(6)
Loan Loss Reserves/ Gross Loans1.351.99(64)1.332
Loan Loss Reserves/ NPAs93.2592.2510087.18607
Net Charge-offs/ Avg Loans0.110.44(33)0.22(11)
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio14.3415.41(107)14.42(8)
   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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