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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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves5,504,6094,763,53715.565,388,7608.60
Loans Held for Sale, before Reserves15,36914,9372.8920,957(106.66)
Loan Loss Reserve53,73253,0761.2453,3982.50
Net Loans Receivable5,466,2464,725,39815.685,356,3198.21
Intangible Assets210,362145,03745.04210,744(0.73)
Total Assets8,193,5547,245,79613.088,147,4112.27
Deposits6,176,7775,714,5908.096,179,624(0.18)
Debt, Senior and Subordinated1,089,455639,24070.431,057,96511.91
Common Equity826,587795,7423.88809,3768.51
Total Shareholders' Equity826,587795,7423.88809,3768.51
Shares Outstanding (actual)61,855,02761,686,8870.2761,641,6801.38
Income Statement ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income66,55558,58613.6066,0832.86
Provision for Loan Losses1,6552,060(19.66)1,864(44.85)
Noninterest Income15,48817,613(12.06)15,817(8.32)
Noninterest Expense50,22047,7885.0949,9612.07
Net Income Before Taxes29,69226,07113.8928,75413.05
Provision for Taxes9,8788,45016.908,93442.27
Net Income19,81417,62112.4519,820(0.12)
Per Share Items ($)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share13.3612.903.5913.137.10
Tangible Book Value9.9610.55(5.56)9.7110.34
Diluted EPS Before Extra0.320.2910.340.320.00
Diluted EPS After Extra0.320.2910.340.320.00
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.980.99(1)0.99(1)
ROAE9.709.06649.628
Net Interest Margin3.683.6713.69(1)
Loans / Deposits89.1283.3657687.20192
Efficiency Ratio61.2062.70(150)61.40(20)
Balance Sheet Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.729.16(144)7.5418
Equity/ Assets10.0910.98(89)9.9315
Asset Quality Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.781.18(40)0.86(8)
Loan Loss Reserves/ Gross Loans0.971.11(14)0.99(1)
Loan Loss Reserves/ NPAs87.4364.742,26980.78664
Net Charge-offs/ Avg Loans0.040.21(17)0.08(4)
Regulatory Capital Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.29NANANA
   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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