8-K

0000708955-16-000113.txt : 20160421 0000708955-16-000113.hdr.sgml : 20160421 20160421162138 ACCESSION NUMBER: 0000708955-16-000113 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20160421 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20160421 DATE AS OF CHANGE: 20160421 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST FINANCIAL BANCORP /OH/ CENTRAL INDEX KEY: 0000708955 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 311042001 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34762 FILM NUMBER: 161584276 BUSINESS ADDRESS: STREET 1: 255 EAST FIFTH STREET STREET 2: SUITE 800 CITY: CINCINNATI STATE: OH ZIP: 45202 BUSINESS PHONE: 8773229530 MAIL ADDRESS: STREET 1: 255 EAST FIFTH STREET STREET 2: SUITE 800 CITY: CINCINNATI STATE: OH ZIP: 45202 8-K 1 a8kearningsrelease1q16.htm 8-K 8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 21, 2016

FIRST FINANCIAL BANCORP.

(Exact name of registrant as specified in its charter)



Ohio		31-1042001
(State or other jurisdiction of incorporation or organization)		(I.R.S. employer identification number)

Commission file number: 001-34762

255 East Fifth Street, Suite 700, Cincinnati, Ohio 45202

(Address of principal executive offices and zip code)

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition.

On April 21, 2016, First Financial Bancorp. issued its earnings press release that included the results of operations and financial condition for the first quarter of 2016. A copy of the earnings press release is attached as Exhibit 99.1.

The earnings press release includes some financial measures outside of generally accepted accounting principles (GAAP), referred to as non-GAAP financial measures. The first non-GAAP financial measure, Net interest margin (fully tax equivalent), appears in the table entitled “Consolidated Financial Highlights” under the section “Key Financial Ratios.” It also appears in the table entitled “Consolidated Quarterly Statements of Income” under “Additional Data.” The second non-GAAP financial measure, Net interest income-tax equivalent, appears in the tables entitled “Additional Data” at the bottom of the “Consolidated Quarterly Statements of Income” page. The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 35% tax rate. Management believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully tax equivalent basis. Therefore, management believes these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

Below is a table showing “net interest income” calculated and presented in accordance with GAAP and the adjustments made to arrive at the non-GAAP financial measure “net interest income - tax equivalent.” The table also shows “net interest margin” calculated and presented in accordance with GAAP and the method used to arrive at the non-GAAP financial measure “net interest margin (fully tax equivalent).”



	Three months ended
	Mar. 31,			Dec. 31,			Sep. 30,			June 30,			Mar. 31,
(Dollars in thousands)	2016			2015			2015			2015			2015
Net interest income	$	66,555		$	66,083		$	63,159		$	58,674		$	58,586
Tax equivalent adjustment	1,052			1,046			1,000			988			983
Net interest income - tax equivalent	$	67,607		$	67,129		$	64,159		$	59,662		$	59,569

Average earning assets	$	7,398,013		$	7,219,995		$	6,938,107		$	6,616,960		$	6,576,660

Net interest margin*	3.62		%	3.63		%	3.61		%	3.56		%	3.61		%
Net interest margin (fully tax equivalent)*	3.68		%	3.69		%	3.67		%	3.62		%	3.67		%

* Margins are calculated using net interest income annualized divided by average earning assets.

The earnings press release shows a non-GAAP ratio in the "Credit Quality" page of allowance for loan and leases losses (allowance) plus loan marks, net of the indemnification asset to total loans. The following table provides a reconciliation of this ratio to the corresponding GAAP components.



	Three months ended
	Mar. 31,			Dec. 31,			Sep. 30,			June 30,			Mar. 31,
(Dollars in thousands)	2016			2015			2015			2015			2015
Allowance	$	53,732		$	53,398		$	53,332		$	52,876		$	53,076
Loan marks	22,022			24,258			26,948			29,428			35,804
Allowance and loan marks	75,754			77,656			80,280			82,304			88,880
Indemnification asset	(16,256		)	(17,630		)	(18,931		)	(20,338		)	(20,397		)
Allowance and loan marks, net of indemnification asset (a)	$	59,498		$	60,026		$	61,349		$	61,966		$	68,483

Loans	$	5,504,609		$	5,388,760		$	5,216,063		$	4,852,774		$	4,763,537
Loan marks	22,022			24,258			26,948			29,428			35,804
Total loans (b)	$	5,526,631		$	5,413,018		$	5,243,011		$	4,882,202		$	4,799,341

Allowance and loan marks, net of indemnification asset, to total loans (a)/(b)	1.08		%	1.11		%	1.17		%	1.27		%	1.43		%

The earnings press release also includes some non-GAAP ratios in the “Consolidated Financial Highlights” page. These ratios are: (1) Return on average tangible shareholders' equity; (2) Ending tangible shareholders' equity as a percent of ending tangible assets; (3) Ending tangible shareholders' equity as a percent of risk-weighted assets; (4) Average tangible shareholders' equity as a percent of average tangible assets; and (5) Tangible book value per share. The Ending tangible shareholders' equity as a percent of ending tangible assets and Average tangible shareholders' equity as a percent of average tangible assets are also shown in the “Regulatory Capital” section of the “Capital Adequacy” page in the earnings release. The following table provides a reconciliation of these ratios to the corresponding GAAP components. The Company considers these critical metrics with which to analyze banks. The ratios have been included in the earnings press release to facilitate a better understanding of the Company's capital structure and financial condition.



	Three months ended
	Mar. 31,			Dec. 31,			Sep. 30,			June 30,			Mar. 31,
	2016			2015			2015			2015			2015
	(Dollars in thousands, except per share data)
Net income (a)	$	19,814		$	19,820		$	18,673		$	18,949		$	17,621

Average total shareholders' equity	$	821,588		$	817,756		$	812,396		$	800,598		$	788,511
Less:
Goodwill and other intangibles	(211,533		)	(211,865		)	(211,732		)	(145,465		)	(145,586		)
Average tangible equity (b)	610,055			605,891			600,664			655,133			642,925

Total shareholders' equity	826,587			809,376			813,012			802,383			795,742
Less:
Goodwill and other intangibles	(211,533		)	(211,865		)	(211,732		)	(145,465		)	(145,586		)
Ending tangible equity (c)	615,054			597,511			601,280			656,918			650,156

Total assets	8,193,554			8,147,411			7,880,533			7,383,372			7,245,796
Less:
Goodwill and other intangibles	(211,533		)	(211,865		)	(211,732		)	(145,465		)	(145,586		)
Ending tangible assets (d)	7,982,021			7,935,546			7,668,801			7,237,907			7,100,210

Risk-weighted assets (e)	6,478,716			6,308,139			6,073,899			5,647,658			5,583,461

Total average assets	8,118,945			7,950,278			7,611,389			7,243,886			7,201,313
Less:
Goodwill and other intangibles	(211,533		)	(211,865		)	(211,732		)	(145,465		)	(145,586		)
Average tangible assets (f)	7,907,412			7,738,413			7,399,657			7,098,421			7,055,727

Ending common shares outstanding (g)	61,855,027			61,641,680			61,713,633			61,707,847			61,686,887

Ratios
Return on average tangible shareholders' equity (a)/(b)	13.06		%	12.98		%	12.33		%	11.60		%	11.12		%
Ending tangible shareholders' equity as a percent of:
Ending tangible assets (c)/(d)	7.71		%	7.53		%	7.84		%	9.08		%	9.16		%
Risk-weighted assets (c)/(e)	9.49		%	9.47		%	9.90		%	11.63		%	11.64		%
Average tangible shareholders' equity of average tangible assets (b)/(f)	7.71		%	7.83		%	8.12		%	9.23		%	9.11		%
Tangible book value per share (c)/(g)	$	9.94		$	9.69		$	9.74		$	10.65		$	10.54

The information in Item 2.02 of this Current Report on Form 8-K, including the Exhibit 99.1, shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Exhibits.

(d) Exhibits:

The following exhibit shall not be deemed to be “filed” for purposes of the Securities Act.

99.1 First Financial Bancorp. Press Release dated April 21, 2016 - Furnished.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FIRST FINANCIAL BANCORP.



		By: /s/ John M. Gavigan
		John M. Gavigan
		Senior Vice President and Chief Financial Officer

Date:	April 21, 2016

Form 8-K First Financial Bancorp.

Exhibit Index

Exhibit No. Description

99.1 First Financial Bancorp. Press Release dated April 21, 2016.

EX-99.1 2 a8k1q16earningsreleaseex991.htm EXHIBIT 99.1 8-K

EXHIBIT 99.1

First Financial Bancorp Reports First Quarter 2016 Financial Results

Net Income Increases 12% from First Quarter 2015

Cincinnati, Ohio - April 21, 2016 - First Financial Bancorp (Nasdaq: FFBC) (“First Financial” or the “Company”) announced financial results for the first quarter 2016. For the three months ended March 31, 2016, the Company reported net income of $19.8 million, or $0.32 per diluted common share, compared to net income of $19.8 million, or $0.32 per diluted common share, in the fourth quarter of 2015 and $17.6 million, or $0.29 per diluted common share, in the first quarter of 2015.

Return on average assets for the first quarter of 2016 was 0.98% while return on average tangible common equity was 13.06%. These compare to a return on average assets of 0.99% and return on average tangible common equity of 12.98% in the fourth quarter of 2015 and a return on average assets of 0.99% and a return on average tangible common equity of 11.12% in the first quarter of 2015.

First quarter 2016 results included approximately $0.5 million of pre-tax, non-operating expenses which were primarily related to the consolidation of six branch locations during the period. Excluding these items, net income was $20.1 million, or $0.33 per diluted common share, return on average assets was 1.00% and return on average tangible common equity was 13.27%. Excluding $1.0 million of pre-tax, non-operating expenses, fourth quarter 2015 net income was $20.5 million, or $0.33 per diluted common share, return on average assets was 1.02% and return on average tangible common equity was 13.40%.

Claude Davis, Chief Executive Officer, commented, “We are pleased with another strong quarter of operating results, which produced our 102^nd consecutive quarter of profitability. Continuing on the momentum from 2015, loan production remained strong during the first quarter, with balance growth of 8.6% on an annualized basis. Loan balances grew in the first quarter as our metropolitan markets continued to exhibit high demand, while specialty finance lending, which includes our two nationwide lending platforms, also contributed to loan growth during the period."

"Net interest margin remained stable, reflecting the impact from the interest rate increase late in 2015 as well as higher yields on the investment portfolio. We are well positioned to take advantage of rising rates and are excited about the growth opportunities throughout our footprint. Additionally, we remain focused on growing fee income and reducing funding costs through targeted initiatives across the organization."

"As we look forward, our focus remains centered on serving the financial needs of our commercial, small business, consumer and wealth management clients while remaining disciplined in our approach to further our progress toward top-quartile performance."

NET INTEREST INCOME AND NET INTEREST MARGIN

Net interest income for the first quarter was $66.6 million as compared to $66.1 million for the fourth quarter 2015 and $58.6 million for the first quarter 2015. Compared to the linked quarter, total interest income increased $1.6 million, or 2.1%, while total interest expense increased $1.1 million, or 15.3%. Net interest margin on a fully tax equivalent basis was 3.68% for the first quarter compared to 3.69% for the fourth quarter 2015 and 3.67% for the first quarter 2015.

Interest income on loans increased $0.9 million compared to the prior quarter, as average loan balances increased $174.8 million during the period. The effective yield on the loan portfolio was consistent with fourth quarter results, declining slightly to 4.59% for the first quarter 2016 compared to 4.62% in the fourth quarter of 2015. The increase in interest income on loans compared to first quarter of 2015 was related to organic loan growth as well as the Oak Street acquisition, which closed during the third quarter of 2015.

Interest income on investment securities increased $0.6 million compared to the prior quarter due to the higher yield earned on the portfolio as average balances were relatively unchanged. The effective yield on the investment portfolio increased 15 bps to 2.59%, reflecting efforts to re-balance the portfolio into higher yielding securities, the recent interest rate increase and a modest decline in prepayment speeds during the quarter.

Interest expense increased $1.1 million compared to the prior quarter, due primarily to the fourth quarter increase in interest rates, as well as a $206.5 million increase in average interest bearing liabilities during the period.

The effective cost of borrowed funds decreased by 1 bp to 1.02%, while the cost of deposit funding increased 3 bps from 33 bps in the fourth quarter 2015 to 36 bps during the first quarter 2016 primarily due to the impact of higher interest rates on indexed deposits.

NONINTEREST INCOME

The Company's noninterest income was $15.5 million for the first quarter of 2016 compared to $15.8 million for the fourth quarter of 2015 and $17.6 million for the first quarter of 2015. The $0.3 million decrease versus the linked quarter was primarily related to a $0.4 million decrease in FDIC loss sharing income, as well as seasonal declines of $0.4 million in deposit service charges and $0.2 million in bankcard income. These declines were partially offset by a $0.4 million seasonal increase in trust and wealth management fees and a $0.2 million increase in accelerated discount on covered / formerly covered loans during the period. The comparable quarter decline was primarily due to higher accelerated discount on covered / formerly covered loans as well as the recapture of a previously accrued liability due to the favorable resolution of a former Irwin subsidiary matter during the first quarter of 2015.

NONINTEREST EXPENSE

The Company's noninterest expense was $50.7 million for the first quarter of 2016 compared to $51.3 million for the fourth quarter of 2015 and $48.1 million for the first quarter of 2015. The $0.6 million decrease was primarily related to $0.2 million of gains on the sale of OREO properties during the period, compared to $0.8 million of losses during the fourth quarter. The decline in losses on sale of OREO was partially offset by a $0.6 million increase in occupancy expenses primarily related to branch consolidation

activity during the period. The increase in noninterest expense compared to first quarter of 2015 was primarily related to the Oak Street acquisition, which closed during the third quarter of 2015.

BALANCE SHEET & CAPITAL

Total assets were $8.2 billion, total loans were $5.5 billion and investment securities were $1.9 billion as of March 31, 2016. Total assets increased by $46.1 million, or 2.3% annualized, from the prior quarter and by $947.8 million, or 13.1%, compared to the prior year. Total loans increased by $115.8 million, or 8.6% annualized, from the prior quarter and by $741.1 million, or 15.6%, over the prior year. Investment securities decreased by $50.7 million, or 10.4% annualized, from the prior quarter and increased by $134.7 million, or 7.5%, over the prior year.

Total deposits were $6.2 billion as of March 31, 2016, a decrease of $2.8 million, or 0.2% annualized, compared to the prior quarter and increased $462.2 million, or 8.1%, compared to first quarter 2015. Borrowed funds were $1.1 billion as of March 31, 2016 and December 31, 2015 compared to $639.2 million as of March 31, 2015.

As of March 31, 2016, the Company had total shareholders' equity of $826.6 million, an increase of $17.2 million, or 8.6% annualized, over the prior quarter and an increase of $30.8 million, or 3.9%, over the prior year. The linked quarter increase in total shareholders' equity was primarily related to quarterly retained earnings as well as the impact to Other Comprehensive Income from unrealized gains on the investment securities portfolio during the period.

The Company's regulatory capital ratios remain strong and, as of March 31, 2016, were as follows: leverage ratio of 8.27%, total capital ratio of 12.84%, tier 1 capital ratio of 10.16% and tangible common equity ratio of 7.71%. The Company's tangible book value per share was $9.94 as of March 31, 2016.

ASSET QUALITY

First quarter provision expense was $1.7 million and the total allowance for loan and lease losses as of March 31, 2016 was $53.7 million. The allowance as a percentage of period-end loans was 0.98% at the end of the first quarter which represents a 1 bp decline from 0.99% at the end of the fourth quarter. The balance of the Company's total allowance and loan marks, net of the indemnification asset, was 1.08% of total loans and leases as of March 31, 2016 which represents a 3 bp decline from 1.11% as of December 31, 2015. This change is largely attributable to strong organic loan growth during the first quarter as well as the decline in nonaccrual loans and other asset quality improvements during the period.

For the first quarter, net charge-offs totaled $1.3 million, a decrease of $0.5 million, or 26.5% compared to the linked quarter, and were 0.10% of average loans on an annualized basis. Nonaccrual loans decreased $6.0 million, or 21.4%, to $22.0 million as of March 31, 2016. Total classified assets increased slightly to $133.9 million as of March 31, 2016 compared to $132.4 million as of December 31, 2015.

Teleconference / Webcast Information

First Financial’s executive management will host a conference call to discuss the Company’s financial and operating results on Friday, April 22, 2016 at 8:30 a.m. Eastern Standard Time. Members of the public who would like to listen to the conference call should dial (877) 506-6873 (U.S. toll free), (855) 669-9657 (Canada toll free) or +1 (412) 380-2003 (International) (no passcode required). The number should be dialed five to ten minutes prior to the start of the conference call. The conference call will also be accessible as an audio webcast via the Investor Relations section of the Company’s website at www.bankatfirst.com. A replay of the conference call will be available beginning one hour after the completion of the live call at (877) 344-7529 (U.S. toll free), (855) 669-9658 (Canada toll free) and +1 (412) 317-0088 (International); conference number 10084369. The webcast will be archived on the Investor Relations section of the Company’s website for 12 months.

Press Release and Additional Information on Website

This press release as well as supplemental information and any non-GAAP reconciliations related to this release is available to the public through the Investor Relations section of First Financial's website at www.bankatfirst.com.

About First Financial Bancorp

First Financial Bancorp is a Cincinnati, Ohio based bank holding company. As of March 31, 2016, the Company had $8.2 billion in assets, $5.5 billion in loans, $6.2 billion in deposits and $826.6 million in shareholders’ equity. The Company’s subsidiary, First Financial Bank, N.A., founded in 1863, provides banking and financial services products through its five lines of business: commercial, consumer, wealth management, specialty finance and mortgage. The commercial, consumer, specialty finance and mortgage units provide traditional banking services to business and retail clients. First Financial Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $2.3 billion in assets under management as of March 31, 2016. The Company’s strategic operating markets are located in Ohio, Indiana and Kentucky where it operates 101 banking centers. Additional information about the Company, including its products, services and banking locations is available at www.bankatfirst.com.

Forward-Looking Statement

Certain statements contained in this release which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act. Examples of forward-looking statements include, but are not limited to, projections of revenues, income or loss, earnings or loss per share, the payment or non-payment of dividends, capital structure and other financial items, statements of plans and objectives of First Financial or its management or board of directors and statements of future economic performances and statements of assumptions underlying such statements. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” ‘‘intends,’’ and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements. Management’s analysis contains forward-looking statements that are provided to assist in the understanding of anticipated future financial performance. However, such performance involves risks and uncertainties that may cause actual results to differ materially. These factors include, but are not limited to: economic, market, liquidity, credit, interest rate, operational and technological risks associated with the Company’s business; the effect of and changes in policies and laws or regulatory agencies (notably the recently enacted Dodd-Frank Wall Street Reform and Consumer Protection Act); management’s ability to effectively execute its business plan; mergers and acquisitions, including costs or difficulties related to the integration of acquired companies; the Company’s ability to comply with the terms of loss sharing agreements with the FDIC; the effect of changes in accounting policies and practices; and the costs and effects of litigation and of unexpected or adverse outcomes in such litigation. Please refer to the Company’s Annual Report on Form 10-K for the year ended December 31, 2015, as well as its other filings with the SEC, for a more detailed discussion of these risks, uncertainties and other factors that could cause actual results to differ from those discussed in the forward-looking statements. Such forward-looking statements are meaningful only on the date when such statements are made, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which such a statement is made to reflect the occurrence of unanticipated events.

Contact Information

Investors/Analysts Media

John Gavigan Adam Kiefaber

Chief Financial Officer Media Relations

(513) 887-5400 (513) 979-5735

InvestorRelations@bankatfirst.com adam.kiefaber@bankatfirst.com

Selected Financial Information

March 31, 2016

(unaudited)



Contents	Page
Consolidated Financial Highlights	2
Consolidated Quarterly Statements of Income	3
Consolidated Statements of Condition	4
Average Consolidated Statements of Condition	5
Net Interest Margin Rate / Volume Analysis	6
Credit Quality	7
Capital Adequacy	8



FIRST FINANCIAL BANCORP.
CONSOLIDATED FINANCIAL HIGHLIGHTS
(Dollars in thousands, except per share data)
(Unaudited)

	Three Months Ended,
	Mar. 31,			Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,
	2016			2015			2015			2015			2015
RESULTS OF OPERATIONS
Net income	$	19,814		$	19,820		$	18,673		$	18,949		$	17,621
Net earnings per share - basic	$	0.32		$	0.33		$	0.31		$	0.31		$	0.29
Net earnings per share - diluted	$	0.32		$	0.32		$	0.30		$	0.31		$	0.29
Dividends declared per share	$	0.16		$	0.16		$	0.16		$	0.16		$	0.16

KEY FINANCIAL RATIOS
Return on average assets	0.98		%	0.99		%	0.97		%	1.05		%	0.99		%
Return on average shareholders' equity	9.70		%	9.62		%	9.12		%	9.49		%	9.06		%
Return on average tangible shareholders' equity	13.06		%	12.98		%	12.33		%	11.60		%	11.12		%

Net interest margin	3.62		%	3.63		%	3.61		%	3.56		%	3.61		%
Net interest margin (fully tax equivalent) ⁽¹⁾	3.68		%	3.69		%	3.67		%	3.62		%	3.67		%

Ending shareholders' equity as a percent of ending assets	10.09		%	9.93		%	10.32		%	10.87		%	10.98		%
Ending tangible shareholders' equity as a percent of:
Ending tangible assets	7.71		%	7.53		%	7.84		%	9.08		%	9.16		%
Risk-weighted assets	9.49		%	9.47		%	9.90		%	11.63		%	11.64		%

Average shareholders' equity as a percent of average assets	10.12		%	10.29		%	10.67		%	11.05		%	10.95		%
Average tangible shareholders' equity as a percent of
average tangible assets	7.71		%	7.83		%	8.12		%	9.23		%	9.11		%

Book value per share	$	13.36		$	13.13		$	13.17		$	13.00		$	12.90
Tangible book value per share	$	9.94		$	9.69		$	9.74		$	10.65		$	10.54

Common equity tier 1 ratio ⁽²⁾	10.16		%	10.28		%	10.51		%	12.34		%	12.29		%
Tier 1 ratio ⁽²⁾	10.16		%	10.29		%	10.52		%	12.35		%	12.29		%
Total capital ratio ⁽²⁾	12.84		%	13.04		%	13.37		%	13.31		%	13.27		%
Leverage ratio ⁽²⁾	8.27		%	8.33		%	8.58		%	9.77		%	9.67		%

AVERAGE BALANCE SHEET ITEMS
Loans ⁽³⁾	$	5,417,812		$	5,248,465		$	5,032,708		$	4,793,471		$	4,770,671
FDIC indemnification asset	17,138			18,437			19,848			20,744			22,112
Investment securities	1,938,772			1,934,173			1,848,083			1,782,785			1,762,622
Interest-bearing deposits with other banks	24,291			18,920			37,468			19,960			21,255
Total earning assets	$	7,398,013		$	7,219,995		$	6,938,107		$	6,616,960		$	6,576,660
Total assets	$	8,118,945		$	7,950,278		$	7,611,389		$	7,243,886		$	7,201,313
Noninterest-bearing deposits	$	1,386,768		$	1,402,283		$	1,344,049		$	1,325,485		$	1,286,067
Interest-bearing deposits	4,749,253			4,845,056			4,615,886			4,446,248			4,361,525
Total deposits	$	6,136,021		$	6,247,339		$	5,959,935		$	5,771,733		$	5,647,592
Borrowings	$	1,065,739		$	763,408		$	746,706		$	587,225		$	691,012
Shareholders' equity	$	821,588		$	817,756		$	812,396		$	800,598		$	788,511

CREDIT QUALITY RATIOS
Allowance to ending loans	0.98		%	0.99		%	1.02		%	1.09		%	1.11		%
Allowance to nonaccrual loans	244.16		%	190.73		%	149.33		%	133.28		%	107.98		%
Allowance to nonperforming loans	103.07		%	93.89		%	95.34		%	88.49		%	82.18		%
Nonperforming loans to total loans	0.95		%	1.06		%	1.07		%	1.23		%	1.36		%
Nonperforming assets to ending loans, plus OREO	1.16		%	1.30		%	1.36		%	1.56		%	1.79		%
Nonperforming assets to total assets	0.78		%	0.86		%	0.90		%	1.03		%	1.18		%
Net charge-offs to average loans (annualized)	0.10		%	0.14		%	0.17		%	0.27		%	0.16		%

(1) The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 35% tax rate. Management believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully tax equivalent basis. Therefore, management believes, these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

(2) March 31, 2016 regulatory capital ratios are preliminary.

(3) Includes loans held for sale.



FIRST FINANCIAL BANCORP.
CONSOLIDATED QUARTERLY STATEMENTS OF INCOME
(Dollars in thousands, except per share data)
(Unaudited)

	2016			2015
	First			Fourth			Third			Second			First			Full
	Quarter			Quarter			Quarter			Quarter			Quarter			Year
Interest income
Loans, including fees	$	63,399		$	62,502		$	58,694		$	54,586		$	54,464		$	230,246
Investment securities
Taxable	11,373			10,702			9,986			9,281			9,608			39,577
Tax-exempt	1,162			1,192			1,163			1,139			1,117			4,611
Total investment securities interest	12,535			11,894			11,149			10,420			10,725			44,188
Other earning assets	(1,139		)	(1,164		)	(1,168		)	(1,162		)	(1,181		)	(4,675		)
Total interest income	74,795			73,232			68,675			63,844			64,008			269,759

Interest expense
Deposits	5,530			5,172			4,861			4,621			4,820			19,474
Short-term borrowings	1,170			434			374			253			303			1,364
Long-term borrowings	1,540			1,543			281			296			299			2,419
Total interest expense	8,240			7,149			5,516			5,170			5,422			23,257
Net interest income	66,555			66,083			63,159			58,674			58,586			246,502
Provision for loan and lease losses	1,655			1,864			2,647			3,070			2,060			9,641
Net interest income after provision for loan and lease losses	64,900			64,219			60,512			55,604			56,526			236,861

Noninterest income
Service charges on deposit accounts	4,381			4,755			4,934			4,803			4,523			19,015
Trust and wealth management fees	3,440			3,086			3,134			3,274			3,634			13,128
Bankcard income	2,882			3,077			2,909			2,972			2,620			11,578
Client derivative fees	1,095			945			1,604			878			962			4,389
Net gains from sales of loans	1,181			1,325			1,758			1,924			1,464			6,471
Net gain on sale of investment securities	24			2			409			1,094			0			1,505
FDIC loss sharing income	(565		)	(164		)	(973		)	(304		)	(1,046		)	(2,487		)
Accelerated discount on covered / formerly covered loans	971			785			3,820			4,094			2,092			10,791
Other	2,103			2,008			2,760			2,680			3,364			10,812
Total noninterest income	15,512			15,819			20,355			21,415			17,613			75,202

Noninterest expenses
Salaries and employee benefits	29,615			29,632			27,768			27,451			26,941			111,792
Net occupancy	4,957			4,337			4,510			4,380			5,005			18,232
Furniture and equipment	2,213			2,185			2,165			2,219			2,153			8,722
Data processing	2,718			2,843			2,591			2,657			2,772			10,863
Marketing	1,065			1,052			810			973			888			3,723
Communication	481			502			531			558			570			2,161
Professional services	1,813			1,833			4,092			1,727			1,970			9,622
State intangible tax	639			598			579			577			577			2,331
FDIC assessments	1,132			1,139			1,103			1,114			1,090			4,446
Loss (gain) - other real estate owned	(190		)	772			196			419			474			1,861
Loss sharing expense	297			414			574			576			301			1,865
Other	5,980			5,977			8,073			6,135			5,327			25,512
Total noninterest expenses	50,720			51,284			52,992			48,786			48,068			201,130
Income before income taxes	29,692			28,754			27,875			28,233			26,071			110,933
Income tax expense	9,878			8,934			9,202			9,284			8,450			35,870
Net income	$	19,814		$	19,820		$	18,673		$	18,949		$	17,621		$	75,063

ADDITIONAL DATA
Net earnings per share - basic	$	0.32		$	0.33		$	0.31		$	0.31		$	0.29		$	1.23
Net earnings per share - diluted	$	0.32		$	0.32		$	0.30		$	0.31		$	0.29		$	1.21
Dividends declared per share	$	0.16		$	0.16		$	0.16		$	0.16		$	0.16		$	0.64

Return on average assets	0.98		%	0.99		%	0.97		%	1.05		%	0.99		%	1.00		%
Return on average shareholders' equity	9.70		%	9.62		%	9.12		%	9.49		%	9.06		%	9.33		%

Interest income	$	74,795		$	73,232		$	68,675		$	63,844		$	64,008		$	269,759
Tax equivalent adjustment	1,052			1,046			1,000			988			983			4,017
Interest income - tax equivalent	75,847			74,278			69,675			64,832			64,991			273,776
Interest expense	8,240			7,149			5,516			5,170			5,422			23,257
Net interest income - tax equivalent	$	67,607		$	67,129		$	64,159		$	59,662		$	59,569		$	250,519

Net interest margin	3.62		%	3.63		%	3.61		%	3.56		%	3.61		%	3.60		%
Net interest margin (fully tax equivalent)⁽¹⁾	3.68		%	3.69		%	3.67		%	3.62		%	3.67		%	3.66		%

Full-time equivalent employees	1,390			1,400			1,394			1,366			1,353

(1) The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 35% tax rate. Management believes that it is a standard practice in the banking industry to present net interest income on a fully tax equivalent basis. Therefore, management believes, these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.



FIRST FINANCIAL BANCORP.
CONSOLIDATED STATEMENTS OF CONDITION
(Dollars in thousands)
(Unaudited)

	Mar. 31,			Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,			% Change		% Change
	2016			2015			2015			2015			2015			Linked Qtr.		Comparable Qtr.
ASSETS
Cash and due from banks	$	102,675		$	114,841		$	112,298		$	116,318		$	111,011		(10.6	)%	(7.5	)%
Interest-bearing deposits with other banks	15,582			33,734			24,191			41,027			25,350			(53.8	)%	(38.5	)%
Investment securities available-for-sale	1,164,319			1,190,642			1,069,667			955,764			892,169			(2.2	)%	30.5	%
Investment securities held-to-maturity	702,315			726,259			756,035			791,839			839,666			(3.3	)%	(16.4	)%
Other investments	53,255			53,725			53,431			53,585			53,393			(0.9	)%	(0.3	)%
Loans held for sale	15,369			20,957			26,287			21,151			14,937			(26.7	)%	2.9	%
Loans and leases
Commercial and industrial	1,744,732			1,663,102			1,637,467			1,315,087			1,298,874			4.9	%	34.3	%
Lease financing	101,135			93,986			82,679			84,723			81,796			7.6	%	23.6	%
Real estate - construction	341,453			311,712			276,240			229,256			227,969			9.5	%	49.8	%
Real estate - commercial	2,261,857			2,258,297			2,169,662			2,171,806			2,120,084			0.2	%	6.7	%
Real estate - residential	508,512			512,311			506,653			506,391			496,852			(0.7	)%	2.3	%
Home equity	466,010			466,629			463,629			463,222			456,278			(0.1	)%	2.1	%
Installment	41,627			41,506			39,974			43,073			43,798			0.3	%	(5.0	)%
Credit card	39,283			41,217			39,759			39,216			37,886			(4.7	)%	3.7	%
Total loans	5,504,609			5,388,760			5,216,063			4,852,774			4,763,537			2.1	%	15.6	%
Less
Allowance for loan and lease losses	53,732			53,398			53,332			52,876			53,076			0.6	%	1.2	%
Net loans	5,450,877			5,335,362			5,162,731			4,799,898			4,710,461			2.2	%	15.7	%
Premises and equipment	138,036			136,603			139,020			139,170			140,477			1.0	%	(1.7	)%
Goodwill and other intangibles	211,533			211,865			211,732			145,465			145,586			(0.2	)%	45.3	%
FDIC indemnification asset	16,256			17,630			18,931			20,338			20,397			(7.8	)%	(20.3	)%
Accrued interest and other assets	323,337			305,793			306,210			298,817			292,349			5.7	%	10.6	%
Total Assets	$	8,193,554		$	8,147,411		$	7,880,533		$	7,383,372		$	7,245,796		0.6	%	13.1	%

LIABILITIES
Deposits
Interest-bearing demand	$	1,430,963		$	1,414,291		$	1,330,673		$	1,175,219		$	1,214,882		1.2	%	17.8	%
Savings	1,922,892			1,945,805			1,979,627			1,947,566			1,922,815			(1.2	)%	0.0	%
Time	1,414,313			1,406,124			1,440,223			1,262,881			1,277,291			0.6	%	10.7	%
Total interest-bearing deposits	4,768,168			4,766,220			4,750,523			4,385,666			4,414,988			0.0	%	8.0	%
Noninterest-bearing	1,408,609			1,413,404			1,330,905			1,330,149			1,299,602			(0.3	)%	8.4	%
Total deposits	6,176,777			6,179,624			6,081,428			5,715,815			5,714,590			0.0	%	8.1	%
Federal funds purchased and securities sold
under agreements to repurchase	75,499			89,325			62,317			68,349			68,142			(15.5	)%	10.8	%
FHLB short-term borrowings	894,400			849,100			701,200			641,700			523,500			5.3	%	70.9	%
Total short-term borrowings	969,899			938,425			763,517			710,049			591,642			3.4	%	63.9	%
Long-term debt	119,556			119,540			119,515			47,084			47,598			0.0	%	151.2	%
Total borrowed funds	1,089,455			1,057,965			883,032			757,133			639,240			3.0	%	70.4	%
Accrued interest and other liabilities	100,735			100,446			103,061			108,041			96,224			0.3	%	4.7	%
Total Liabilities	7,366,967			7,338,035			7,067,521			6,580,989			6,450,054			0.4	%	14.2	%

SHAREHOLDERS' EQUITY
Common stock	567,497			571,155			570,025			571,501			570,623			(0.6	)%	(0.5	)%
Retained earnings	398,224			388,240			378,258			369,462			360,390			2.6	%	10.5	%
Accumulated other comprehensive loss	(23,209		)	(30,580		)	(17,219		)	(20,715		)	(17,054		)	(24.1	)%	36.1	%
Treasury stock, at cost	(115,925		)	(119,439		)	(118,052		)	(117,865		)	(118,217		)	(2.9	)%	(1.9	)%
Total Shareholders' Equity	826,587			809,376			813,012			802,383			795,742			2.1	%	3.9	%
Total Liabilities and Shareholders' Equity	$	8,193,554		$	8,147,411		$	7,880,533		$	7,383,372		$	7,245,796		0.6	%	13.1	%



FIRST FINANCIAL BANCORP.
AVERAGE CONSOLIDATED STATEMENTS OF CONDITION
(Dollars in thousands)
(Unaudited)

	Quarterly Averages
	Mar. 31,			Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,
	2016			2015			2015			2015			2015
ASSETS
Cash and due from banks	$	117,782		$	119,881		$	114,279		$	114,024		$	112,841
Federal funds sold	0			0			0			0			0
Interest-bearing deposits with other banks	24,291			18,920			37,468			19,960			21,255
Investment securities	1,938,772			1,934,173			1,848,083			1,782,785			1,762,622
Loans held for sale	13,216			18,677			15,185			9,292			8,606
Loans and leases
Commercial and industrial	1,657,279			1,612,485			1,464,508			1,318,408			1,300,869
Lease financing	94,935			89,200			83,300			82,578			78,063
Real estate - construction	322,600			295,574			259,972			226,314			215,380
Real estate - commercial	2,270,686			2,180,015			2,164,917			2,117,450			2,129,434
Real estate - residential	509,422			505,208			500,544			497,350			496,451
Home equity	466,722			465,131			462,283			459,414			458,083
Installment	41,698			41,148			42,008			43,393			45,376
Credit card	41,254			41,027			39,991			39,272			38,409
Total loans	5,404,596			5,229,788			5,017,523			4,784,179			4,762,065
Less
Allowance for loan and lease losses	54,882			53,731			54,398			54,662			53,648
Net loans	5,349,714			5,176,057			4,963,125			4,729,517			4,708,417
Premises and equipment	138,377			138,689			139,457			140,117			141,153
Goodwill and other intangibles	211,707			211,722			179,333			145,500			145,689
FDIC indemnification asset	17,138			18,437			19,848			20,744			22,112
Accrued interest and other assets	307,948			313,722			294,611			281,947			278,618
Total Assets	$	8,118,945		$	7,950,278		$	7,611,389		$	7,243,886		$	7,201,313

LIABILITIES
Deposits
Interest-bearing demand	$	1,391,591		$	1,423,915		$	1,230,621		$	1,220,391		$	1,176,263
Savings	1,938,206			2,005,100			2,015,373			1,950,127			1,914,723
Time	1,419,456			1,416,041			1,369,892			1,275,730			1,270,539
Total interest-bearing deposits	4,749,253			4,845,056			4,615,886			4,446,248			4,361,525
Noninterest-bearing	1,386,768			1,402,283			1,344,049			1,325,485			1,286,067
Total deposits	6,136,021			6,247,339			5,959,935			5,771,733			5,647,592
Federal funds purchased and securities sold
under agreements to repurchase	89,349			79,354			68,505			67,664			77,269
FHLB short-term borrowings	856,837			564,522			606,618			472,295			565,918
Total short-term borrowings	946,186			643,876			675,123			539,959			643,187
Long-term debt	119,553			119,532			71,583			47,266			47,825
Total borrowed funds	1,065,739			763,408			746,706			587,225			691,012
Accrued interest and other liabilities	95,597			121,775			92,352			84,330			74,198
Total Liabilities	7,297,357			7,132,522			6,798,993			6,443,288			6,412,802

SHAREHOLDERS' EQUITY
Common stock	570,558			570,510			570,723			571,078			573,932
Retained earnings	395,756			385,295			378,160			365,847			355,848
Accumulated other comprehensive loss	(26,165		)	(18,962		)	(19,725		)	(18,242		)	(20,163		)
Treasury stock, at cost	(118,561		)	(119,087		)	(116,762		)	(118,085		)	(121,106		)
Total Shareholders' Equity	821,588			817,756			812,396			800,598			788,511
Total Liabilities and Shareholders' Equity	$	8,118,945		$	7,950,278		$	7,611,389		$	7,243,886		$	7,201,313



FIRST FINANCIAL BANCORP.
NET INTEREST MARGIN RATE/VOLUME ANALYSIS ⁽¹⁾
(Dollars in thousands)
(Unaudited)

	Quarterly Averages
	March 31, 2016					December 31, 2015					March 31, 2015					Linked Qtr. Income Variance									Comparable Qtr. Income Variance
	Balance			Yield		Balance			Yield		Balance			Yield		Rate			Volume			Total			Rate		Volume		Total
Earning assets
Investments:
Investment securities	$	1,938,772		2.59	%	$	1,934,173		2.44	%	$	1,762,622		2.47	%	$	749		$	(108	)	$	641		$	546	$	1,264	$	1,810
Interest-bearing deposits with other banks	24,291			0.53	%	18,920			0.29	%	21,255			0.27	%	11			7			18			14		4		18
Gross loans ⁽²⁾	5,434,950			4.59	%	5,266,902			4.62	%	4,792,783			4.51	%	(357		)	1,261			904			1,003		7,956		8,959
Total earning assets	7,398,013			4.06	%	7,219,995			4.02	%	6,576,660			3.95	%	403			1,160			1,563			1,563		9,224		10,787

Nonearning assets
Allowance for loan and lease losses	(54,882		)			(53,731		)			(53,648		)
Cash and due from banks	117,782					119,881					112,841
Accrued interest and other assets	658,032					664,133					565,460
Total assets	$	8,118,945				$	7,950,278				$	7,201,313

Interest-bearing liabilities
Deposits:
Interest-bearing demand	$	1,391,591		0.16	%	$	1,423,915		0.13	%	$	1,176,263		0.08	%
Savings	1,938,206			0.26	%	2,005,100			0.20	%	1,914,723			0.27	%
Time	1,419,456			1.05	%	1,416,041			1.03	%	1,270,539			1.07	%
Total interest-bearing deposits	4,749,253			0.47	%	4,845,056			0.42	%	4,361,525			0.45	%	$	532		$	(174	)	$	358		$	203	$	507	$	710
Borrowed funds
Short-term borrowings	946,186			0.50	%	643,876			0.27	%	643,187			0.19	%	371			365			736			484		383		867
Long-term debt	119,553			5.17	%	119,532			5.12	%	47,825			2.54	%	14			(17		)	(3		)	310		931		1,241
Total borrowed funds	1,065,739			1.02	%	763,408			1.03	%	691,012			0.35	%	385			348			733			794		1,314		2,108
Total interest-bearing liabilities	5,814,992			0.57	%	5,608,464			0.51	%	5,052,537			0.44	%	917			174			1,091			997		1,821		2,818

Noninterest-bearing liabilities
Noninterest-bearing demand deposits	1,386,768					1,402,283					1,286,067
Other liabilities	95,597					121,775					74,198
Shareholders' equity	821,588					817,756					788,511
Total liabilities & shareholders' equity	$	8,118,945				$	7,950,278				$	7,201,313

Net interest income ⁽¹⁾	$	66,555				$	66,083				$	58,586				$	(514	)	$	986		$	472		$	566	$	7,403	$	7,969
Net interest spread ⁽¹⁾				3.49	%				3.51	%				3.51	%
Net interest margin ⁽¹⁾				3.62	%				3.63	%				3.61	%


⁽¹⁾ Not tax equivalent.
⁽²⁾ Loans held for sale, nonaccrual loans, covered loans, and indemnification asset are included in gross loans.



FIRST FINANCIAL BANCORP.
CREDIT QUALITY
(Dollars in thousands)
(Unaudited)


	Mar. 31,			Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,
	2016			2015			2015			2015			2015
ALLOWANCE FOR LOAN AND LEASE LOSS ACTIVITY
Balance at beginning of period	$	53,398		$	53,332		$	52,876		$	53,076		$	52,858
Provision for loan and lease losses	1,655			1,864			2,647			3,070			2,060
Gross charge-offs
Commercial and industrial	329			622			536			510			1,481
Real estate - construction	0			0			85			0			0
Real estate - commercial	432			1,137			941			2,515			208
Real estate - residential	39			31			101			250			314
Home equity	273			300			322			163			700
Installment	54			128			124			12			131
Other	240			242			276			237			294
Covered / formerly covered loans	1,075			3,818			1,577			1,585			1,916
Total gross charge-offs	2,442			6,278			3,962			5,272			5,044
Recoveries
Commercial and industrial	163			386			357			185			44
Real estate - construction	7			91			0			10			29
Real estate - commercial	346			597			444			179			354
Real estate - residential	62			192			87			23			64
Home equity	164			102			195			129			154
Installment	35			36			59			44			60
Other	81			74			52			71			45
Covered / formerly covered loans	263			3,002			577			1,361			2,452
Total recoveries	1,121			4,480			1,771			2,002			3,202
Total net charge-offs	1,321			1,798			2,191			3,270			1,842
Ending allowance for loan and lease losses	$	53,732		$	53,398		$	53,332		$	52,876		$	53,076

NET CHARGE-OFFS TO AVERAGE LOANS AND LEASES (ANNUALIZED)
Commercial and industrial	0.04		%	0.06		%	0.05		%	0.10		%	0.45		%
Real estate - construction	(0.01		)%	(0.12		)%	0.13		%	(0.02		)%	(0.05		)%
Real estate - commercial	0.02		%	0.10		%	0.10		%	0.48		%	(0.03		)%
Real estate - residential	(0.02		)%	(0.14		)%	0.01		%	0.21		%	0.24		%
Home equity	0.10		%	0.18		%	0.12		%	0.03		%	0.53		%
Installment	0.19		%	0.94		%	0.65		%	(0.32		)%	0.68		%
Other	0.48		%	0.52		%	0.74		%	0.55		%	0.88		%
Covered / formerly covered loans	1.51		%	1.40		%	1.60		%	0.33		%	(0.74		)%
Total net charge-offs	0.10		%	0.14		%	0.17		%	0.27		%	0.16		%

COMPONENTS OF NONPERFORMING LOANS, NONPERFORMING ASSETS, AND UNDERPERFORMING ASSETS
Nonaccrual loans ⁽¹⁾
Commercial and industrial	$	3,757		$	8,231		$	7,191		$	6,683		$	6,926
Real estate - construction	0			0			79			223			223
Real estate - commercial	8,178			9,059			17,228			21,186			29,925
Real estate - residential	4,243			5,027			4,940			5,257			6,100
Home equity	3,018			2,787			2,702			2,735			2,462
Installment	113			127			321			305			278
Lease financing	121			122			0			0			0
Covered / formerly covered loans	2,577			2,644			3,252			3,284			3,239
Nonaccrual loans	22,007			27,997			35,713			39,673			49,153
Accruing troubled debt restructurings (TDRs)	30,127			28,876			20,226			20,084			15,429
Total nonperforming loans	52,134			56,873			55,939			59,757			64,582
Other real estate owned (OREO)	11,939			13,254			15,187			16,401			20,906
Total nonperforming assets	64,073			70,127			71,126			76,158			85,488
Accruing loans past due 90 days or more	59			108			58			70			85
Total underperforming assets	$	64,132		$	70,235		$	71,184		$	76,228		$	85,573
Classified assets	$	113,883		$	106,468		$	97,022		$	106,280		$	109,090
Covered / formerly covered classified assets	20,057			25,963			33,110			33,651			44,727
Total classified assets	$	133,940		$	132,431		$	130,132		$	139,931		$	153,817

CREDIT QUALITY RATIOS
Allowance for loan and lease losses to
Nonaccrual loans	244.16		%	190.73		%	149.33		%	133.28		%	107.98		%
Nonperforming loans	103.07		%	93.89		%	95.34		%	88.49		%	82.18		%
Total ending loans	0.98		%	0.99		%	1.02		%	1.09		%	1.11		%
Allowance and loan marks, net of indemnification asset, to total loans	1.08		%	1.11		%	1.17		%	1.27		%	1.43		%
Nonperforming loans to total loans	0.95		%	1.06		%	1.07		%	1.23		%	1.36		%
Nonperforming assets to
Ending loans, plus OREO	1.16		%	1.30		%	1.36		%	1.56		%	1.79		%
Total assets	0.78		%	0.86		%	0.90		%	1.03		%	1.18		%
Nonperforming assets, excluding accruing TDRs to
Ending loans, plus OREO	0.62		%	0.76		%	0.97		%	1.15		%	1.46		%
Total assets	0.41		%	0.51		%	0.65		%	0.76		%	0.97		%

(1) Nonaccrual loans include nonaccrual TDRs of $7.5 million, $9.3 million, $13.6 million, $14.1 million, and $20.3 million, as of March 31, 2016, December 31, 2015, September 30, 2015, June 30. 2015, and March 31, 2015, respectively.



FIRST FINANCIAL BANCORP.
CAPITAL ADEQUACY
(Dollars in thousands, except per share data)
(Unaudited)

	Mar. 31,			Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,
	2016			2015			2015			2015			2015
PER COMMON SHARE
Market Price
High	$	18.36		$	20.72		$	19.69		$	18.55		$	18.30
Low	$	14.91		$	17.83		$	17.55		$	16.68		$	16.52
Close	$	18.18		$	18.07		$	19.08		$	17.94		$	17.81

Average shares outstanding - basic	61,036,797			60,985,096			61,135,749			61,115,802			61,013,489
Average shares outstanding - diluted	61,840,247			61,861,182			61,987,795			61,915,294			61,731,844
Ending shares outstanding	61,855,027			61,641,680			61,713,633			61,707,847			61,686,887

Total shareholders' equity	$	826,587		$	809,376		$	813,012		$	802,383		$	795,742

REGULATORY CAPITAL ⁽¹⁾	Preliminary
Common equity tier 1 capital	$	658,001		$	648,748		$	638,574		$	697,139		$	686,191
Common equity tier 1 capital ratio	10.16		%	10.28		%	10.51		%	12.34		%	12.29		%
Tier 1 capital	$	658,105		$	648,852		$	638,678		$	697,243		$	686,295
Tier 1 ratio	10.16		%	10.29		%	10.52		%	12.35		%	12.29		%
Total capital	$	831,924		$	822,431		$	812,029		$	751,818		$	740,967
Total capital ratio	12.84		%	13.04		%	13.37		%	13.31		%	13.27		%
Total capital in excess of minimum
requirement	$	273,135		$	317,780		$	326,117		$	300,006		$	294,290
Total risk-weighted assets	$	6,478,716		$	6,308,139		$	6,073,899		$	5,647,658		$	5,583,461
Leverage ratio	8.27		%	8.33		%	8.58		%	9.77		%	9.67		%

OTHER CAPITAL RATIOS
Ending shareholders' equity to ending assets	10.09		%	9.93		%	10.32		%	10.87		%	10.98		%
Ending tangible shareholders' equity to ending tangible assets	7.71		%	7.53		%	7.84		%	9.08		%	9.16		%
Average shareholders' equity to average assets	10.12		%	10.29		%	10.67		%	11.05		%	10.95		%
Average tangible shareholders' equity to average tangible assets	7.71		%	7.83		%	8.12		%	9.23		%	9.11		%

REPURCHASE PROGRAM ⁽²⁾
Shares repurchased	0			91,032			148,935			0			0
Average share repurchase price	N/A			$	18.85		$	18.68		N/A			N/A
Total cost of shares repurchased	N/A			$	1,716		$	2,783		N/A			N/A

⁽¹⁾ 2015 amounts and ratios are calculated under the Basel III standardized approach
⁽²⁾Represents share repurchases as part of publicly announced plans.
N/A = Not applicable

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