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Section 1: 10-Q (10-Q)

ffbc-20200630
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Table of Contents
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D.C.  20549

FORM 10-Q


QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended                                           June 30, 2020                                                   

OR

TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ____________________ to ____________________

Commission file number 001-34762
FIRST FINANCIAL BANCORP /OH/
(Exact name of registrant as specified in its charter)
Ohio31-1042001
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
255 East Fifth Street, Suite 800Cincinnati,Ohio45202
(Address of principal executive offices)(Zip Code)

Registrant's telephone number, including area code:  (877) 322-9530

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol Name of each exchange on which registered
Common stock, No par valueFFBC The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes       No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes       No  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of large accelerated filer, accelerated filer, smaller reporting company, and emerging growth company in Rule 12b-2 of the Exchange Act.
Large accelerated filer ☒Accelerated filer
Non-accelerated filer
Smaller reporting company
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of Exchange Act).
Yes   No   

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date. The registrant has one class of common stock (no par value) with 97,996,136 shares outstanding at August 6, 2020.


Table of Contents
FIRST FINANCIAL BANCORP.

INDEX

 Page No.
  
 
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  



Table of Contents
Glossary of Abbreviations and Acronyms

First Financial has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations.
AFSAvailable-for-saleForm 10-KFirst Financial Bancorp. Annual Report on Form 10-K
ACLAllowance for credit lossesFRBFederal Reserve Bank
ALLLAllowance for loan and lease lossesGAAPU.S. Generally Accepted Accounting Principles
AllowanceCollectively or individually, Allowance for credit losses and Allowance for loan and lease lossesHTMHeld-to-maturity
AOCIAccumulated other comprehensive incomeInsignificantLess than $0.1 million
ASCAccounting standards codificationIRLCInterest rate lock commitment
ASUAccounting standards updateLGDLoss Given Default
BankFirst Financial BankMD&A
Management's Discussion and Analysis of Financial Condition and Results of Operations
Basel IIIBasel Committee regulatory capital reforms, Third Basel AccordMSFGMainSource Financial Group, Inc.
BGF or BannockburnBannockburn Global Forex, LLCN/ANot applicable
Bp/bpsBasis point(s)NIINet interest income
BOLIBank owned life insuranceOBSOff-balance sheet
CDsCertificates of depositOREOOther real estate owned
C&ICommercial & industrialPCAPrompt corrective action
CRECommercial real estatePCDPurchased credit deteriorated
CompanyFirst Financial Bancorp.PCIPurchase credit impaired
DDADemand deposit accountPDProbability of default
Dodd-FrankDodd–Frank Wall Street Reform and Consumer Protection ActPPPPaycheck Protection Program
EADExposure at DefaultPPPLFPaycheck Protection Program Liquidity Facility
ERMEnterprise risk managementR&SReasonable and Supportable
EVEEconomic value of equityROURight-of-use
Fair Value TopicFASB ASC Topic 820, Fair Value MeasurementSECU.S. Securities and Exchange Commission
FASBFinancial Accounting Standards BoardSOFRSecured Overnight Financing Rate
FDICFederal Deposit Insurance CorporationTopic 842FASB ASC Topic 842, Leasing
FHLBFederal Home Loan BankTDRTroubled debt restructuring
FRBFederal Reserve BankTTCThrough the cycle
First FinancialFirst Financial Bancorp.USDUnited States dollars




Table of Contents
PART I - FINANCIAL INFORMATION
ITEM I - FINANCIAL STATEMENTS
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands)
June 30,
2020
December 31,
2019
 (Unaudited) 
Assets  
Cash and due from banks$283,639  $200,691  
Interest-bearing deposits with other banks38,845  56,948  
Investment securities available-for-sale, at fair value (amortized cost $2,815,199 at June 30, 2020 and $2,798,298 at December 31, 2019)
2,897,413  2,852,084  
Investment securities held-to-maturity (fair value $132,956 at June 30, 2020 and $142,821 at December 31, 2019)
127,347  142,862  
Other investments132,366  125,020  
Loans held for sale43,950  13,680  
Loans and leases
Commercial & industrial3,322,374  2,465,877  
Lease financing80,087  88,364  
Construction real estate506,085  493,182  
Commercial real estate4,343,702  4,194,651  
Residential real estate1,043,745  1,055,949  
Home equity764,171  771,869  
Installment79,150  82,589  
Credit card42,397  49,184  
Total loans and leases10,181,711  9,201,665  
Less: Allowance for credit losses (1)
158,661  57,650  
Net loans and leases10,023,050  9,144,015  
Premises and equipment211,164  214,506  
Goodwill937,771  937,771  
Other intangibles70,325  76,201  
Accrued interest and other assets1,105,020  747,847  
Total assets$15,870,890  $14,511,625  
Liabilities  
Deposits  
Interest-bearing demand$2,657,841  $2,364,881  
Savings3,287,314  2,960,979  
Time2,241,212  2,240,441  
Total interest-bearing deposits8,186,367  7,566,301  
Noninterest-bearing3,515,048  2,643,928  
Total deposits11,701,415  10,210,229  
Federal funds purchased and securities sold under agreements to repurchase154,347  165,181  
FHLB short-term borrowings0  1,151,000  
Total short-term borrowings154,347  1,316,181  
Long-term debt1,285,767  414,376  
Total borrowed funds1,440,114  1,730,557  
Accrued interest and other liabilities508,342  323,134  
Total liabilities13,649,871  12,263,920  
Shareholders' equity  
Common stock - no par value  
Authorized - 160,000,000 shares; Issued - 104,281,794 shares in 2020 and 20191,635,070  1,640,771  
Retained earnings675,532  711,249  
Accumulated other comprehensive income (loss)36,431  13,323  
Treasury stock, at cost, 6,262,936 shares in 2020 and 5,790,796 shares in 2019
(126,014) (117,638) 
Total shareholders' equity2,221,019  2,247,705  
Total liabilities and shareholders' equity$15,870,890  $14,511,625  
(1) Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

See Notes to Consolidated Financial Statements.
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Table of Contents
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Dollars in thousands, except per share data)
(Unaudited)
Three months endedSix months ended
June 30,June 30,
 2020201920202019
Interest income  
Loans and leases, including fees$105,900  $126,365  $221,675  $249,421  
Investment securities
Taxable18,476  23,616  37,481  47,851  
Tax-exempt4,937  4,336  9,519  8,594  
Total interest on investment securities23,413  27,952  47,000  56,445  
Other earning assets47  206  189  416  
Total interest income129,360  154,523  268,864  306,282  
Interest expense  
Deposits11,751  20,612  28,116  39,855  
Short-term borrowings1,274  6,646  6,361  12,606  
Long-term borrowings4,759  4,963  8,529  10,004  
Total interest expense17,784  32,221  43,006  62,465  
Net interest income111,576  122,302  225,858  243,817  
Provision for credit losses - loans and leases (1)
17,859  6,658  41,739  20,741  
Provision for credit losses - unfunded commitments (1)
2,370  (132) 3,938  (126) 
Net interest income after provision for credit losses91,347  115,776  180,181  223,202  
Noninterest income  
Service charges on deposit accounts6,001  9,819  14,436  18,722  
Trust and wealth management fees4,114  3,943  8,583  8,013  
Bankcard income2,844  6,497  5,542  12,083  
Client derivative fees2,984  4,905  6,089  6,609  
Foreign exchange income6,576  17  16,542  17  
Net gain from sales of loans16,662  3,432  19,493  5,322  
Net gain (loss) on sales/transfers of investment securities2  (37) (57) (215) 
Other3,542  6,062  7,481  10,914  
Total noninterest income42,725  34,638  78,109  61,465  
Noninterest expenses  
Salaries and employee benefits55,925  53,985  110,747  101,897  
Net occupancy5,378  5,596  11,482  12,226  
Furniture and equipment3,681  4,222  7,734  7,638  
Data processing7,019  4,984  13,408  10,111  
Marketing1,339  1,976  2,559  3,582  
Communication907  747  1,797  1,475  
Professional services2,205  2,039  4,480  4,291  
State intangible tax1,514  1,307  3,030  2,617  
FDIC assessments1,290  1,065  2,695  2,015  
Intangible assets amortization2,791  2,044  5,583  4,089  
Other6,640  6,545  14,840  13,062  
Total noninterest expenses88,689  84,510  178,355  163,003  
Income before income taxes45,383  65,904  79,935  121,664  
Income tax expense7,990  13,201  13,914  23,122  
Net income$37,393  $52,703  $66,021  $98,542  
Net earnings per common share - basic$0.38  $0.54  $0.68  $1.01  
Net earnings per common share - diluted$0.38  $0.53  $0.67  $1.00  
Cash dividends declared per share$0.23  $0.22  $0.46  $0.44  
Average common shares outstanding - basic97,220,748  98,083,799  97,478,719  98,005,379  
Average common shares outstanding - diluted97,988,600  98,648,384  98,172,408  98,542,947  
(1) Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.
See Notes to Consolidated Financial Statements.
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Table of Contents
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Dollars in thousands)
(Unaudited)
Three months endedSix months ended
June 30,June 30,
2020201920202019
Net income$37,393  $52,703  $66,021  $98,542  
Other comprehensive income (loss), net of tax:
Unrealized gain (loss) on debt securities arising during the period24,290  24,510  22,427  48,015  
Change in retirement obligation353  246  681  536  
Unrealized gain (loss) on derivatives0  72  0  144  
Other comprehensive income (loss) 24,643  24,828  23,108  48,695  
Comprehensive income$62,036  $77,531  $89,129  $147,237  
                   See Notes to Consolidated Financial Statements.

3

Table of Contents
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
(Dollars in thousands except per share data)
(Unaudited)
 Common StockRetainedAccumulated other comprehensiveTreasury stock 
 SharesAmountEarningsincome (loss)SharesAmountTotal
Balance at April 1, 2019104,281,794  $1,622,554  $626,408  $(19,635) (5,667,922) $(98,908) $2,130,419  
Impact of cumulative effect of change in accounting principles415  415  
Net income 52,703  52,703  
Other comprehensive income (loss)24,828  24,828  
Cash dividends declared:
Common stock at $0.22 per share(21,796) (21,796) 
Restricted stock awards, net of forfeitures(621) 33,818  475  (146) 
Share-based compensation expense1,766  1,766  
Balance at June 30, 2019104,281,794  $1,623,699  $657,730  $5,193  (5,634,104) $(98,433) $2,188,189  
Balance at April 1, 2020104,281,794  $1,633,950  $660,653  $11,788  (6,312,836) $(127,008) $2,179,383  
Net income37,393  37,393  
Other comprehensive income (loss)24,643  24,643  
Cash dividends declared:
Common stock at $0.23 per share(22,514) (22,514) 
Restricted stock awards, net of forfeitures(1,076) 49,900  994  (82) 
Share-based compensation expense2,196  2,196  
Balance at June 30, 2020104,281,794  $1,635,070  $675,532  $36,431  (6,262,936) $(126,014) $2,221,019  

See Notes to Consolidated Financial Statements.

4

Table of Contents
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
(Dollars in thousands except per share data)
(Unaudited)
 Common StockRetainedAccumulated other comprehensiveTreasury stock 
 SharesAmountEarningsincome (loss)SharesAmountTotal
Balance at January 1, 2019104,281,794  $1,633,256  $600,014  $(44,408) (6,387,508) $(110,613) $2,078,249  
Impact of cumulative effect of adoption of new accounting principles2,636  906  3,542  
Net income 98,542  98,542  
Other comprehensive income (loss)48,695  48,695  
Cash dividends declared:
Common stock at $0.44 per share(43,462) (43,462) 
Warrant exercises(7,830) 452,134  7,830  0  
Exercise of stock options, net of shares purchased(264) 20,424  354  90  
Restricted stock awards, net of forfeitures(6,225) 280,846  3,996  (2,229) 
Share-based compensation expense4,762  4,762  
Balance at June 30, 2019104,281,794  $1,623,699  $657,730  $5,193  (5,634,104) $(98,433) $2,188,189  
Balance at January 1, 2020104,281,794  $