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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 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,777,2353,963,51420.534,782,237(0.42)
Loans Held for Sale, before Reserves11,0058,11435.6316,816(138.23)
Loan Loss Reserve52,85862,730(15.74)53,989(8.38)
Net Loans Receivable4,735,3823,908,89821.144,745,064(0.82)
Intangible Assets145,481100,94244.12145,726(0.67)
Total Assets7,217,8216,417,21312.487,353,469(7.38)
Deposits5,655,7424,837,50716.915,533,0178.87
Debt, Senior and Subordinated709,633809,529(12.34)971,959(107.96)
Common Equity784,077682,16114.94773,9125.25
Total Shareholders' Equity784,077682,16114.94773,9125.25
Shares Outstanding (actual)61,456,54757,533,0466.8261,368,4730.57
Income Statement ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income61,13955,8049.5658,36319.03
Provision for Loan Losses2,052(4,006)NM893519.15
Noninterest Income16,92213,04329.7416,5119.96
Noninterest Expense48,22446,1344.5346,92811.05
Net Income Before Taxes26,3672,568926.7522,56267.46
Provision for Taxes7,768(1,217)NM7,21830.48
Net Income18,5993,785391.3915,34484.85
Per Share Items ($)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share12.7611.867.6012.614.67
Tangible Book Value10.3910.102.8610.246.05
Diluted EPS Before Extra0.300.07328.570.2661.54
Diluted EPS After Extra0.300.07328.570.2661.54
Dividends Declared0.16000.15006.670.150026.67
Performance Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA1.020.24780.8814
ROAE9.462.157318.16130
Net Interest Margin3.723.94(22)3.711
Loans / Deposits84.4781.9325386.43(196)
Efficiency Ratio60.0064.03(403)62.14(214)
Balance Sheet Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.039.20(17)8.7231
Equity/ Assets10.8610.632310.5234
Asset Quality Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.211.1380.9031
Loan Loss Reserves/ Gross Loans1.101.58(48)1.12(2)
Loan Loss Reserves/ NPAs60.9281.86(2,095)81.39(2,048)
Net Charge-offs/ Avg Loans0.070.41(34)0.070
Regulatory Capital Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.6914.61(192)12.74(5)
   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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