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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)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,102,0215,754,0826.056,013,1835.91
Loans Held for Sale, before Reserves8,0487,6575.1111,502(120.12)
Loan Loss Reserve54,38056,326(3.45)54,0212.66
Net Loans Receivable6,055,6895,705,4136.145,970,6645.70
Intangible AssetsNA208,833NA207,870NA
Total Assets8,898,4298,531,1704.308,896,9230.07
Deposits7,010,5046,529,8767.366,895,0466.70
Debt, Senior and Subordinated828,027978,813(15.40)934,219(45.47)
Common Equity939,985880,0656.81930,6644.01
Total Shareholders' Equity939,985880,0656.81930,6644.01
Shares Outstanding (actual)62,213,82362,134,2850.1362,069,0870.93
Income Statement ($000)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income75,81268,9329.9875,6141.05
Provision for Loan Losses2,303367527.52(205)NM
Noninterest Income16,93816,8480.5318,363(31.04)
Noninterest Expense49,88951,137(2.44)57,494(52.91)
Net Income Before Taxes38,15934,8849.3911,303950.40
Provision for Taxes7,65310,470(26.91)(13,508)NM
Net Income30,50624,41424.9524,81191.81
Per Share Items ($)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share15.1114.166.6714.993.07
Tangible Book ValueNA10.80NA11.64NA
Diluted EPS Before Extra0.490.3925.640.4090.00
Diluted EPS After Extra0.490.3925.640.4090.00
Dividends Declared0.19000.170011.760.170047.06
Performance Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.401.18221.1327
ROAE13.3111.3619510.70261
Net Interest Margin3.843.70143.822
Loans / Deposits87.0488.12(108)87.21(17)
Efficiency Ratio53.8059.15(535)57.99(419)
Balance Sheet Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.07NA8.32NA
Equity/ Assets10.5610.322510.4610
Asset Quality Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.520.80(28)0.502
Loan Loss Reserves/ Gross Loans0.890.98(9)0.90(1)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.130.15(2)0.067
Regulatory Capital Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.7710.591810.6314
   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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