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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)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves5,789,5115,216,06310.995,701,2136.20
Loans Held for Sale, before Reserves17,41426,287(33.75)10,494263.77
Loan Loss Reserve57,61853,3328.0456,7086.42
Net Loans Receivable5,749,3075,189,01810.805,654,9996.67
Intangible Assets209,566210,695(0.54)209,964(0.76)
Total Assets8,368,4817,880,5336.198,310,1022.81
Deposits6,338,6836,081,4284.236,119,62414.32
Debt, Senior and Subordinated1,045,785883,03218.431,234,680(61.20)
Common Equity861,137813,0125.92846,7236.81
Total Shareholders' Equity861,137813,0125.92846,7236.81
Shares Outstanding (actual)61,952,87361,713,6330.3961,959,529(0.04)
Income Statement ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income68,81863,1598.9667,13210.05
Provision for Loan Losses1,6872,647(36.27)4,037(232.85)
Noninterest Income16,55119,946(17.02)18,030(32.81)
Noninterest Expense51,30549,6923.2549,25116.68
Net Income Before Taxes32,97527,87518.3033,876(10.64)
Provision for Taxes10,1259,20210.0311,308(41.85)
Net Income22,85018,67322.3722,5685.00
Per Share Items ($)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share13.9013.175.5113.676.85
Tangible Book Value10.529.767.7610.289.35
Diluted EPS Before Extra0.370.3023.330.3611.11
Diluted EPS After Extra0.370.3023.330.3611.11
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA1.090.97121.11(2)
ROAE10.629.1215010.84(22)
Net Interest Margin3.663.67(1)3.67(1)
Loans / Deposits91.3485.7755793.16(183)
Efficiency Ratio59.6059.402056.60300
Balance Sheet Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.997.85137.8612
Equity/ Assets10.2910.32(3)10.1910
Asset Quality Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.690.90(21)0.72(3)
Loan Loss Reserves/ Gross Loans0.991.02(3)0.990
Loan Loss Reserves/ NPAsNA80.23NA99.12NA
Net Charge-offs/ Avg Loans(0.01)0.10(10)0.09(9)
Regulatory Capital Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.2010.52(32)10.0713
   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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