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FIRST FINANCIAL BANCORP. (NASDAQ - FFBC)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,763,5374,023,60818.394,777,235(1.15)
Loans Held for Sale, before Reserves14,9376,171142.0511,005142.92
Loan Loss Reserve53,07653,596(0.97)52,8581.65
Net Loans Receivable4,725,3983,976,18318.844,735,382(0.84)
Intangible Assets145,037100,54344.25145,481(1.22)
Total Assets7,245,7966,499,08911.497,217,8211.55
Deposits5,714,5904,820,38918.555,655,7424.16
Debt, Senior and Subordinated639,240895,256(28.60)709,633(39.68)
Common Equity795,742691,34715.10784,0775.95
Total Shareholders' Equity795,742691,34715.10784,0775.95
Shares Outstanding (actual)61,686,88757,709,9376.8961,456,5471.50
Income Statement ($000)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income58,58654,8196.8761,139(16.70)
Provision for Loan Losses2,060(1,033)NM2,0521.56
Noninterest Income17,61314,12524.6916,92216.33
Noninterest Expense47,78846,8721.9548,224(3.62)
Net Income Before Taxes26,07122,18517.5226,367(4.49)
Provision for Taxes8,4507,08119.337,76835.12
Net Income17,62115,10416.6618,599(21.03)
Per Share Items ($)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share12.9011.987.6812.764.44
Tangible Book Value10.5510.243.0410.396.06
Diluted EPS Before Extra0.290.2611.540.30(13.33)
Diluted EPS After Extra0.290.2611.540.30(13.33)
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.990.9631.02(3)
ROAE9.068.95119.46(40)
Net Interest Margin3.673.87(20)3.72(5)
Loans / Deposits83.3683.47(11)84.47(111)
Efficiency Ratio60.7366.08(535)60.0072
Balance Sheet Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.169.23(7)9.0313
Equity/ Assets10.9810.643410.8612
Asset Quality Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.181.37(19)1.21(3)
Loan Loss Reserves/ Gross Loans1.111.33(22)1.101
Loan Loss Reserves/ NPAs64.7787.16(2,239)63.8196
Net Charge-offs/ Avg Loans0.210.22(2)0.0714
Regulatory Capital Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2914.42(213)12.69(40)
   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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