0000708955-19-000027.txt : 20190425 0000708955-19-000027.hdr.sgml : 20190425 20190425161803 ACCESSION NUMBER: 0000708955-19-000027 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 27 CONFORMED PERIOD OF REPORT: 20190425 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20190425 DATE AS OF CHANGE: 20190425 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: 19767673 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 a8kearningsrelease1q19.htm 8-K Document





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 25, 2019
 

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))

Indicate by check mark whether the registrant is an emerging growth company as defined
in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2
of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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.     ¨





Item 2.02    Results of Operations and Financial Condition.

On April 25, 2019, First Financial Bancorp. (the "Company") issued its earnings press release that included its results of operations and financial condition for the first three months of 2019. A copy of the earnings press release is attached as Exhibit 99.1.

The Company also provided electronic presentation slides that will be used in connection with the earnings conference call. A copy of the electronic presentation slides is included in this Report as Exhibit 99.2 and will be available on the Company's website, www.bankatfirst.com.

The information set forth in this Current Report on Form 8-K (including the information in Exhibits 99.1 and 99.2 attached hereto) is being furnished to the Securities and Exchange Commission and is not deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act")    , or otherwise subject to the liabilities under the Exchange Act. Such information 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    Financial Statements and Exhibits.

(d)    Exhibits:
        
The following exhibits shall not be deemed to be "filed" for purposes of the Exchange Act:
Exhibit No.    Description









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/ James M. Anderson
 
 
James M. Anderson
 
 
Executive Vice President and Chief Financial Officer
 
 
 
Date:
April 25, 2019
 

                    




EX-99.1 2 a8k1q19earningsreleaseex991.htm EXHIBIT 99.1 Document
Exhibit 99.1
yellowbara03.jpgffbclogoa03.jpg                                        
First Financial Bancorp Announces First Quarter 2019 Results

Cincinnati, Ohio - April 25, 2019 - First Financial Bancorp. (Nasdaq: FFBC) (“First Financial” or the “Company”) announced financial results for the first quarter 2019 and a quarterly dividend of $0.22 per share, payable on June 17, 2019 to shareholders of record as of June 3, 2019.

For the three months ended March 31, 2019, the Company reported net income of $45.8 million, or $0.47 per diluted common share. These results compare to net income of $55.0 million, or $0.56 per diluted common share, for the fourth quarter of 2018 and $30.5 million, or $0.49 per diluted common share, for the first quarter of 2018. Income before taxes was negatively impacted by a $10.0 million charge-off related to a $16.8 million franchise lending relationship, as well as recognition of $1.8 million of primarily merger-related costs, the combination reducing earnings per diluted common share by $0.09 on a net basis.

Return on average assets for the first quarter of 2019 was 1.33% while return on average tangible common equity was 15.95%. These compare to a return on average assets of 1.59% and return on average tangible common equity of 19.63% in the fourth quarter of 2018 and a return on average assets of 1.40% and a return on average tangible common equity of 17.18% in the first quarter of 2018.

First quarter 2019 highlights include:

After adjustments(1) for merger-related and nonrecurring items:
Net income of $0.48 per diluted common share
1.38% return on average assets
16.45% return on average tangible common equity

Net interest margin of 4.10% on a fully tax-equivalent basis(1) 
11 basis point reduction from the linked quarter driven by lower loan fees and moderated purchase accounting impact

Noninterest expenses of $78.5 million, or $76.7 million as adjusted(1)
Efficiency ratio of 52.9% for the first quarter; 51.7% as adjusted(1) 

Stable loan balances
8% linked quarter increase in loan origination activity offset by prepayments
Average loan balances increased $11.0 million compared to the linked quarter

Modest average deposit growth as an increase in time deposits offset seasonal declines in public funds and business demand deposit accounts
    
Annualized net charge-offs increased to 64 basis points as a percentage of average loans for the quarter driven by the previously mentioned $10.0 million charge-off resulting in provision expense of $14.1 million

Continued capital expansion
Total capital of 14.24%; Tier 1 common equity of 12.03%; Tangible common equity of 9.15%
Tangible book value increased to $12.19
____________________________________________________________________________________________(1) Financial information in this release that is described as “adjusted” or that is presented on a fully tax equivalent basis is non-GAAP. For details on the calculation of these non-GAAP financial measures and a reconciliation to the GAAP financial measure, see the sections titled “Use of Non-GAAP Financial Measures” in this release and “Appendix: Non-GAAP to GAAP Reconciliation” in the accompanying slide presentation.

1


Archie Brown, President and Chief Executive Officer, commented, “One year into operating as a combined company, we are encouraged that our core banking fundamentals and earnings power have met our initial expectations. We are disappointed that a single credit loss muted what would have otherwise been a very profitable first quarter. Aside from the $0.08 per share impact from the franchise loss, adjusted(1) earnings per share totaled $0.48 and our return on assets and average tangible common equity remained strong.”
Mr. Brown continued, “We remain optimistic about the sustainability of our overall performance. Our net interest margin was strong, despite expected declines in purchase accounting accretion and loan fee volatility. Loan origination activity increased to its highest level post-merger, but we continue to face prepayment headwinds that are muting the impact of new production. We are also pleased with modest deposit growth as higher time deposit balances offset expected seasonal declines in business DDA and public funds. Our efficiency ratio continues to reflect disciplined expense management and we will look to maximize fee income opportunities going forward."

Mr. Brown concluded, "The Board announced a quarterly dividend of $0.22, which equates to an attractive 3.7% yield. Our strong and growing capital ratios reflect the Company's high level performance and give us flexibility to evaluate additional capital deployment opportunities such as executing on our share repurchase plan or making strategic acquisitions that enhance fee income or strengthen our market position."
Full detail of the Company’s first quarter 2019 performance is provided in the accompanying financial statements and slide presentation.

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 26, 2019 at 8:30 a.m. Eastern 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 10130234. 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 are available to the public through the Investor Relations section of First Financial's website at www.bankatfirst.com.

Use of Non-GAAP Financial Measures
This earnings release contains GAAP financial measures and Non-GAAP financial measures where management believes it to be helpful in understanding the Company’s results of operations or financial position. Where Non-GAAP financial measures are used, the comparable GAAP financial measures, as well as a reconciliation to the comparable GAAP financial measure, can be found in the section titled “Appendix: Non-GAAP to GAAP Reconciliation” in the accompanying slide presentation.




2


Forward-Looking Statement
Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.  Examples of forward-looking statements include, but are not limited to, statements we make about (i) our future operating or financial performance, including revenues, income or loss and earnings or loss per share, (ii) future common stock dividends, (iii) our capital structure, including future capital levels, (iv) our plans, objectives and strategies, and (v) the assumptions that underlie our forward-looking statements.

As with any forecast or projection, forward-looking statements are subject to inherent uncertainties, risks and changes in circumstances that may cause actual results to differ materially from those set forth in the forward-looking statements. Forward-looking statements are not historical facts but instead express only management’s beliefs regarding future results or events, many of which, by their nature, are inherently uncertain and outside of management’s control. It is possible that actual results and outcomes may differ, possibly materially, from the anticipated results or outcomes indicated in these forward-looking statements. Important factors that could cause actual results to differ materially from those in our forward-looking statements include the following, without limitation: (i) economic, market, liquidity, credit, interest rate, operational and technological risks associated with the Company’s business; (ii) the effect of and changes in policies and laws or regulatory agencies, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and other legislation and regulation relating to the banking industry; (iii) management’s ability to effectively execute its business plans; (iv) mergers and acquisitions, including costs or difficulties related to the integration of acquired companies; (v) the possibility that any of the anticipated benefits of the Company’s merger with MainSource Financial Group, Inc. will not be realized or will not be realized within the expected time period; (vi) the effect of changes in accounting policies and practices; (vii) changes in consumer spending, borrowing and saving and changes in unemployment; (viii) changes in customers’ performance and creditworthiness; and (ix) the costs and effects of litigation and of unexpected or adverse outcomes in such litigation. Additional factors that may cause our actual results to differ materially from those described in our forward-looking statements can be found in our Form 10-K for the year ended December 31, 2018, as well as our other filings with the SEC, which are available on the SEC website at www.sec.gov.

All forward-looking statements included in this filing are made as of the date hereof and are based on information available at the time of the filing.  Except as required by law, the Company does not assume any obligation to update any forward-looking statement.

About First Financial Bancorp.
First Financial Bancorp. is a Cincinnati, Ohio based bank holding company. As of March 31, 2019, the Company had $14.1 billion in assets, $8.8 billion in loans, $10.1 billion in deposits and $2.1 billion in shareholders’ equity. The Company’s subsidiary, First Financial Bank, founded in 1863, provides banking and financial services products through its six lines of business: Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance and Wealth Management. These business units provide traditional banking services to business and retail clients. Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $2.6 billion in assets under management as of March 31, 2019. The Company operated 159 banking centers as of March 31, 2019, primarily in Ohio, Indiana and Kentucky, while the Commercial Finance business lends into targeted industry verticals on a nationwide basis. Additional information about the Company, including its products, services and banking locations, is available at www.bankatfirst.com.


Contact Information
Investors/Analysts                    Media
Jamie Anderson                        Lauren Ponti-Zins
Chief Financial Officer                    Marketing Specialist
(513) 887-5400                        (513) 246-2137
InvestorRelations@bankatfirst.com            media@bankatfirst.com    

3



contentsheader0215a16.jpg
Selected Financial Information
March 31, 2019
(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,
 
2019
 
2018
 
2018
 
2018
 
2018
RESULTS OF OPERATIONS
 
 
 
 
 
 
 
 
 
Net income
$
45,839

 
$
55,014

 
$
50,657

 
$
36,418

 
$
30,506

Net earnings per share - basic
$
0.47

 
$
0.56

 
$
0.52

 
$
0.37

 
$
0.49

Net earnings per share - diluted
$
0.47

 
$
0.56

 
$
0.51

 
$
0.37

 
$
0.49

Dividends declared per share
$
0.22

 
$
0.20

 
$
0.20

 
$
0.19

 
$
0.19

 
 
 
 
 
 
 
 
 
 
KEY FINANCIAL RATIOS
 
 
 
 
 
 
 
 
 
Return on average assets
1.33
%
 
1.59
%
 
1.45
 %
 
1.05
%
 
1.40
%
Return on average shareholders' equity
8.88
%
 
10.68
%
 
9.94
 %
 
7.36
%
 
13.31
%
Return on average tangible shareholders' equity
15.95
%
 
19.63
%
 
18.52
 %
 
13.75
%
 
17.18
%
 
 
 
 
 
 
 
 
 
 
Net interest margin
4.05
%
 
4.16
%
 
4.06
 %
 
4.10
%
 
3.80
%
Net interest margin (fully tax equivalent) (1)
4.10
%
 
4.21
%
 
4.12
 %
 
4.15
%
 
3.84
%
 
 
 
 
 
 
 
 
 
 
Ending shareholders' equity as a percent of ending assets
15.14
%
 
14.86
%
 
14.70
 %
 
14.46
%
 
10.56
%
Ending tangible shareholders' equity as a percent of:
 
 
 
 
 
 
 
 
 
Ending tangible assets
9.15
%
 
8.79
%
 
8.53
 %
 
8.30
%
 
8.41
%
Risk-weighted assets
11.61
%
 
11.20
%
 
10.77
 %
 
10.52
%
 
10.09
%
 
 
 
 
 
 
 
 
 
 
Average shareholders' equity as a percent of average assets
15.01
%
 
14.84
%
 
14.62
 %
 
14.33
%
 
10.53
%
Average tangible shareholders' equity as a percent of
 
 
 
 
 
 
 
 
 
    average tangible assets
8.95
%
 
8.66
%
 
8.42
 %
 
8.16
%
 
8.35
%
 
 
 
 
 
 
 
 
 
 
Book value per share
$
21.60

 
$
21.23

 
$
20.79

 
$
20.56

 
$
15.11

Tangible book value per share
$
12.19

 
$
11.72

 
$
11.25

 
$
11.01

 
$
11.75

 
 
 
 
 
 
 
 
 
 
Common equity tier 1 ratio (2)
12.03
%
 
11.87
%
 
11.52
 %
 
11.15
%
 
10.77
%
Tier 1 ratio (2)
12.43
%
 
12.28
%
 
11.93
 %
 
11.55
%
 
10.77
%
Total capital ratio (2)
14.24
%
 
14.10
%
 
13.77
 %
 
13.36
%
 
13.17
%
Leverage ratio (2)
9.84
%
 
9.71
%
 
9.41
 %
 
9.06
%
 
9.00
%
 
 
 
 
 
 
 
 
 
 
AVERAGE BALANCE SHEET ITEMS
 
 
 
 
 
 
 
 
 
Loans (3)
$
8,773,310

 
$
8,766,302

 
$
8,848,710

 
$
8,933,400

 
$
6,016,492

FDIC indemnification asset

 

 

 

 
1,502

Investment securities
3,355,732

 
3,204,758

 
3,168,044

 
3,157,339

 
2,042,781

Interest-bearing deposits with other banks
34,709

 
32,013

 
39,873

 
29,261

 
27,073

  Total earning assets
$
12,163,751

 
$
12,003,073

 
$
12,056,627

 
$
12,120,000

 
$
8,087,848

Total assets
$
13,952,551

 
$
13,768,958

 
$
13,822,675

 
$
13,956,360

 
$
8,830,176

Noninterest-bearing deposits
$
2,457,587

 
$
2,476,773

 
$
2,388,976

 
$
2,421,230

 
$
1,570,572

Interest-bearing deposits
7,610,092

 
7,573,069

 
7,499,112

 
7,961,405

 
5,332,740

  Total deposits
$
10,067,679

 
$
10,049,842

 
$
9,888,088

 
$
10,382,635

 
$
6,903,312

Borrowings
$
1,587,068

 
$
1,509,642

 
$
1,748,415

 
$
1,408,024

 
$
866,848

Shareholders' equity
$
2,094,234

 
$
2,042,884

 
$
2,021,400

 
$
2,000,093

 
$
929,474

 
 
 
 
 
 
 
 
 
 
CREDIT QUALITY RATIOS
 
 
 
 
 
 
 
 
Allowance to ending loans
0.64
%
 
0.64
%
 
0.65
 %
 
0.61
%
 
0.89
%
Allowance to nonaccrual loans
95.40
%
 
79.97
%
 
136.22
 %
 
133.65
%
 
179.57
%
Allowance to nonperforming loans
68.94
%
 
65.13
%
 
92.08
 %
 
86.80
%
 
120.24
%
Nonperforming loans to total loans
0.93
%
 
0.98
%
 
0.71
 %
 
0.70
%
 
0.74
%
Nonperforming assets to ending loans, plus OREO
0.95
%
 
1.00
%
 
0.73
 %
 
0.72
%
 
0.76
%
Nonperforming assets to total assets
0.60
%
 
0.63
%
 
0.47
 %
 
0.46
%
 
0.52
%
Classified assets to total assets
1.01
%
 
0.94
%
 
1.00
 %
 
1.00
%
 
0.98
%
Net charge-offs to average loans (annualized)
0.64
%
 
0.29
%
 
(0.02
)%
 
0.18
%
 
0.13
%

(1) The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 21% 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, 2019 regulatory capital ratios are preliminary.
(3) Includes loans held for sale.


2


FIRST FINANCIAL BANCORP.
CONSOLIDATED QUARTERLY STATEMENTS OF INCOME
(Dollars in thousands, except per share data)
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
2019
 
2018
 
First
 
Fourth
 
Third
 
Second
 
First
 
Full
 
Quarter
 
Quarter
 
Quarter
 
Quarter
 
Quarter
 
Year
Interest income
 
 
 
 
 
 
 
 
 
 
 
  Loans and leases, including fees
$
123,056

 
$
126,580

 
$
123,397

 
$
122,290

 
$
74,920

 
$
447,187

  Investment securities

 
 
 
 
 
 
 
 
 
 
     Taxable
24,235

 
22,761

 
21,801

 
20,844

 
13,670

 
79,076

     Tax-exempt
4,258

 
3,896

 
3,807

 
4,068

 
1,657

 
13,428

        Total investment securities interest
28,493

 
26,657

 
25,608

 
24,912

 
15,327

 
92,504

  Other earning assets
210

 
192

 
215

 
177

 
107

 
691

       Total interest income
151,759

 
153,429

 
149,220

 
147,379

 
90,354

 
540,382

 
 
 
 
 
 
 
 
 
 
 
 
Interest expense
 
 
 
 
 
 
 
 
 
 
 
  Deposits
19,243

 
17,198

 
14,672

 
14,794

 
10,298

 
56,962

  Short-term borrowings
5,960

 
5,186

 
6,052

 
4,132

 
2,663

 
18,033

  Long-term borrowings
5,041

 
5,086

 
5,011

 
4,474

 
1,581

 
16,152

      Total interest expense
30,244

 
27,470

 
25,735

 
23,400

 
14,542

 
91,147

      Net interest income
121,515

 
125,959

 
123,485

 
123,979

 
75,812

 
449,235

  Provision for loan and lease losses
14,083

 
5,310

 
3,238

 
3,735

 
2,303

 
14,586

      Net interest income after provision for loan and lease losses
107,432

 
120,649

 
120,247

 
120,244

 
73,509

 
434,649

 
 
 
 
 
 
 
 
 
 
 


Noninterest income
 
 
 
 
 
 
 
 
 
 
 
  Service charges on deposit accounts
8,903

 
10,185

 
10,316

 
9,568

 
5,039

 
35,108

  Trust and wealth management fees
4,070

 
3,703

 
3,728

 
3,697

 
3,954

 
15,082

  Bankcard income
5,586

 
6,247

 
5,261

 
5,343

 
3,394

 
20,245

  Client derivative fees
1,704

 
1,433

 
3,029

 
1,463

 
1,757

 
7,682

  Net gains from sales of loans
1,890

 
1,428

 
1,739

 
2,316

 
588

 
6,071

  Net gains on sale of investment securities
(178
)
 
36

 
(167
)
 
(30
)
 
0

 
(161
)
  Other
4,852

 
6,472

 
4,778

 
5,899

 
2,206

 
19,355

      Total noninterest income
26,827

 
29,504

 
28,684

 
28,256

 
16,938

 
103,382

 
 
 
 
 
 
 
 
 
 
 
 
Noninterest expenses
 
 
 
 
 
 
 
 
 
 
 
  Salaries and employee benefits
47,912

 
51,505

 
50,852

 
55,531

 
31,102

 
188,990

  Net occupancy
6,630

 
6,322

 
6,765

 
6,631

 
4,497

 
24,215

  Furniture and equipment
3,416

 
3,498

 
4,072

 
5,298

 
2,040

 
14,908

  Data processing
5,127

 
5,599

 
4,502

 
14,304

 
3,672

 
28,077

  Marketing
1,606

 
1,651

 
2,502

 
2,644

 
801

 
7,598

  Communication
728

 
805

 
785

 
1,118

 
459

 
3,167

  Professional services
2,252

 
1,794

 
2,621

 
5,659

 
2,198

 
12,272

  State intangible tax
1,310

 
1,086

 
1,223

 
1,078

 
765

 
4,152

  FDIC assessments
950

 
1,018

 
734

 
1,323

 
894

 
3,969

  Loss (gain) - other real estate owned
70

 
41

 
538

 
(283
)
 
77

 
373

  Intangible amortization
2,045

 
2,229

 
2,486

 
2,364

 
280

 
7,359

  Other
6,453

 
7,804

 
8,335

 
7,088

 
5,503

 
28,730

      Total noninterest expenses
78,499

 
83,352

 
85,415

 
102,755

 
52,288

 
323,810

Income before income taxes
55,760

 
66,801

 
63,516

 
45,745

 
38,159

 
214,221

Income tax expense (benefit)
9,921

 
11,787

 
12,859

 
9,327

 
7,653

 
41,626

      Net income
$
45,839

 
$
55,014

 
$
50,657

 
$
36,418

 
$
30,506

 
$
172,595

 
 
 
 
 
 
 
 
 
 
 


ADDITIONAL DATA
 
 
 
 
 
 
 
 
 
 
 
Net earnings per share - basic
$
0.47

 
$
0.56

 
$
0.52

 
$
0.37

 
$
0.49

 
$
1.95

Net earnings per share - diluted
$
0.47

 
$
0.56

 
$
0.51

 
$
0.37

 
$
0.49

 
$
1.93

Dividends declared per share
$
0.22

 
$
0.20

 
$
0.20

 
$
0.19

 
$
0.19

 
$
0.78

 
 
 
 
 
 
 
 
 
 
 
 
Return on average assets
1.33
%
 
1.59
%
 
1.45
%
 
1.05
%
 
1.40
%
 
1.37
%
Return on average shareholders' equity
8.88
%
 
10.68
%
 
9.94
%
 
7.36
%
 
13.31
%
 
9.85
%
 
 
 
 
 
 
 
 
 
 
 
 
Interest income
$
151,759

 
$
153,429

 
$
149,220

 
$
147,379

 
$
90,354

 
$
540,382

Tax equivalent adjustment
1,523

 
1,442

 
1,567

 
1,420

 
718

 
5,147

   Interest income - tax equivalent
153,282

 
154,871

 
150,787

 
148,799

 
91,072

 
545,529

Interest expense
30,244

 
27,470

 
25,735

 
23,400

 
14,542

 
91,147

   Net interest income - tax equivalent
$
123,038

 
$
127,401

 
$
125,052

 
$
125,399

 
$
76,530

 
$
454,382

 
 
 
 
 
 
 
 
 
 
 
 
Net interest margin
4.05
%
 
4.16
%
 
4.06
%
 
4.10
%
 
3.80
%
 
4.05
%
Net interest margin (fully tax equivalent) (1)
4.10
%
 
4.21
%
 
4.12
%
 
4.15
%
 
3.84
%
 
4.10
%
 
 
 
 
 
 
 
 
 
 
 
 
Full-time equivalent employees
2,087

 
2,073

 
2,028

 
2,118

 
1,289

 
 
 
 
 
 
 
 
 
 
 
 
 
 
(1) The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 21% 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.

3



FIRST FINANCIAL BANCORP.
CONSOLIDATED STATEMENTS OF CONDITION
(Dollars in thousands)
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Mar. 31,
 
Dec. 31,
 
Sep. 30,
 
Jun. 30,
 
Mar. 31,
 
% Change
 
% Change
 
2019
 
2018
 
2018
 
2018
 
2018
 
Linked Qtr.
 
Comparable Qtr.
ASSETS
 
 
 
 
 
 
 
 
 
 
 
 
 
     Cash and due from banks
$
169,004

 
$
236,221

 
$
193,288

 
$
216,667

 
$
116,581

 
(28.5
)%
 
45.0
 %
     Interest-bearing deposits with other banks
50,224

 
37,738

 
28,989

 
37,915

 
10,200

 
33.1
 %
 
392.4
 %
     Investment securities available-for-sale
3,113,811

 
2,779,255

 
2,626,726

 
2,654,909

 
1,359,381

 
12.0
 %
 
129.1
 %
     Investment securities held-to-maturity
158,305

 
429,328

 
434,369

 
443,957

 
633,722

 
(63.1
)%
 
(75.0
)%
     Other investments
115,731

 
115,660

 
115,757

 
95,004

 
53,070

 
0.1
 %
 
118.1
 %
     Loans held for sale
8,217

 
4,372

 
13,277

 
15,821

 
8,048

 
87.9
 %
 
2.1
 %
     Loans and leases
 
 
 
 
 
 
 
 
 
 
 
 
 
       Commercial and industrial
2,543,427

 
2,514,661

 
2,426,590

 
2,440,596

 
1,943,741

 
1.1
 %
 
30.9
 %
       Lease financing
95,573

 
93,415

 
95,317

 
96,198

 
81,617

 
2.3
 %
 
17.1
 %
       Construction real estate
458,113

 
548,935

 
565,077

 
555,468

 
494,665

 
(16.5
)%
 
(7.4
)%
       Commercial real estate
3,802,179

 
3,754,681

 
3,868,143

 
3,888,993

 
2,544,051

 
1.3
 %
 
49.5
 %
       Residential real estate
975,120

 
955,646

 
932,962

 
918,904

 
468,584

 
2.0
 %
 
108.1
 %
       Home equity
797,118

 
817,282

 
816,133

 
835,031

 
483,643

 
(2.5
)%
 
64.8
 %
       Installment
90,689

 
93,212

 
97,413

 
100,726

 
39,248

 
(2.7
)%
 
131.1
 %
       Credit card
46,982

 
46,382

 
45,741

 
48,665

 
46,472

 
1.3
 %
 
1.1
 %
          Total loans
8,809,201

 
8,824,214

 
8,847,376

 
8,884,581

 
6,102,021

 
(0.2
)%
 
44.4
 %
       Less:
 
 
 
 
 
 
 
 
 
 
 
 
 
          Allowance for loan and lease losses
56,722

 
56,542

 
57,715

 
54,076

 
54,380

 
0.3
 %
 
4.3
 %
                Net loans
8,752,479

 
8,767,672

 
8,789,661

 
8,830,505

 
6,047,641

 
(0.2
)%
 
44.7
 %
     Premises and equipment
210,676

 
215,652

 
219,940

 
223,950

 
127,046

 
(2.3
)%
 
65.8
 %
     Goodwill
879,727

 
880,251

 
881,033

 
883,025

 
204,083

 
(0.1
)%
 
331.1
 %
     Other intangibles
38,571

 
40,805

 
43,356

 
42,891

 
3,506

 
(5.5
)%
 
N/M

     Accrued interest and other assets
577,518

 
479,706

 
496,271

 
475,523

 
335,151

 
20.4
 %
 
72.3
 %
       Total Assets
$
14,074,263

 
$
13,986,660

 
$
13,842,667

 
$
13,920,167

 
$
8,898,429

 
0.6
 %
 
58.2
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
LIABILITIES
 
 
 
 
 
 
 
 
 
 
 
 
 
     Deposits
 
 
 
 
 
 
 
 
 
 
 
 
 
       Interest-bearing demand
$
2,235,036

 
$
2,307,071

 
$
2,284,271

 
$
2,440,088

 
$
1,442,399

 
(3.1
)%
 
55.0
 %
       Savings
3,100,894

 
3,167,325

 
3,134,944

 
3,087,683

 
2,450,196

 
(2.1
)%
 
26.6
 %
       Time
2,309,810

 
2,173,564

 
1,957,574

 
2,104,044

 
1,545,273

 
6.3
 %
 
49.5
 %
          Total interest-bearing deposits
7,645,740

 
7,647,960

 
7,376,789

 
7,631,815

 
5,437,868

 
0.0
 %
 
40.6
 %
       Noninterest-bearing
2,488,157

 
2,492,434

 
2,375,845

 
2,471,932

 
1,572,636

 
(0.2
)%
 
58.2
 %
          Total deposits
10,133,897

 
10,140,394

 
9,752,634

 
10,103,747

 
7,010,504

 
(0.1
)%
 
44.6
 %
     Federal funds purchased and securities sold
 
 
 
 
 
 
 
 
 
 
 
 
 
         under agreements to repurchase
95,015

 
183,591

 
123,452

 
88,070

 
56,732

 
(48.2
)%
 
67.5
 %
     FHLB short-term borrowings
952,400

 
857,100

 
1,170,800

 
1,100,233

 
601,600

 
11.1
 %
 
58.3
 %
          Total short-term borrowings
1,047,415

 
1,040,691

 
1,294,252

 
1,188,303

 
658,332

 
0.6
 %
 
59.1
 %
     Long-term debt
546,423

 
570,739

 
570,037

 
469,423

 
169,695

 
(4.3
)%
 
222.0
 %
          Total borrowed funds
1,593,838

 
1,611,430

 
1,864,289

 
1,657,726

 
828,027

 
(1.1
)%
 
92.5
 %
     Accrued interest and other liabilities
216,109

 
156,587

 
190,224

 
145,757

 
119,913

 
38.0
 %
 
80.2
 %
       Total Liabilities
11,943,844

 
11,908,411

 
11,807,147

 
11,907,230

 
7,958,444

 
0.3
 %
 
50.1
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHAREHOLDERS' EQUITY
 
 
 
 
 
 
 
 
 
 
 
 
 
     Common stock
1,622,554

 
1,633,256

 
1,633,828

 
1,632,572

 
571,457

 
(0.7
)%
 
183.9
 %
     Retained earnings
626,408

 
600,014

 
564,545

 
533,319

 
515,649

 
4.4
 %
 
21.5
 %
     Accumulated other comprehensive loss
(19,635
)
 
(44,408
)
 
(52,897
)
 
(43,008
)
 
(34,834
)
 
(55.8
)%
 
(43.6
)%
     Treasury stock, at cost
(98,908
)
 
(110,613
)
 
(109,956
)
 
(109,946
)
 
(112,287
)
 
(10.6
)%
 
(11.9
)%
       Total Shareholders' Equity
2,130,419

 
2,078,249

 
2,035,520

 
2,012,937

 
939,985

 
2.5
 %
 
126.6
 %
       Total Liabilities and Shareholders' Equity
$
14,074,263

 
$
13,986,660

 
$
13,842,667

 
$
13,920,167

 
$
8,898,429

 
0.6
 %
 
58.2
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 


4



FIRST FINANCIAL BANCORP.
AVERAGE CONSOLIDATED STATEMENTS OF CONDITION
(Dollars in thousands)
(Unaudited)
 
 
 
Quarterly Averages
 
Mar. 31,
 
Dec. 31,
 
Sep. 30,
 
Jun. 30,
 
Mar. 31,
 
2019
 
2018
 
2018
 
2018
 
2018
ASSETS
 
 
 
 
 
 
 
 
 
     Cash and due from banks
$
181,695

 
$
213,927

 
$
199,843

 
$
224,824

 
$
116,095

     Federal funds sold
0

 
0

 
0

 
786

 
0

     Interest-bearing deposits with other banks
34,709

 
32,013

 
39,873

 
28,475

 
27,073

     Investment securities
3,355,732

 
3,204,758

 
3,168,044

 
3,157,339

 
2,042,781

     Loans held for sale
6,392

 
10,411

 
15,270

 
14,462

 
9,171

     Loans and leases

 

 
 
 
 
 
 
       Commercial and industrial
2,509,274

 
2,402,296

 
2,392,229

 
2,421,244

 
1,897,726

       Lease financing
91,043

 
94,111

 
94,030

 
94,431

 
86,755

       Construction real estate
496,153

 
567,086

 
570,125

 
577,883

 
483,930

       Commercial real estate
3,762,314

 
3,793,376

 
3,887,748

 
3,923,784

 
2,495,604

       Residential real estate
961,584

 
941,047

 
918,361

 
929,667

 
468,855

       Home equity
807,768

 
813,779

 
822,834

 
825,236

 
487,073

       Installment
91,270

 
95,779

 
99,907

 
99,896

 
40,409

       Credit card
47,512

 
48,417

 
48,206

 
46,797

 
46,969

          Total loans
8,766,918

 
8,755,891

 
8,833,440

 
8,918,938

 
6,007,321

       Less:
 
 
 
 
 
 
 
 
 
          Allowance for loan and lease losses
57,088

 
58,216

 
55,877

 
55,318

 
55,016

                Net loans
8,709,830

 
8,697,675

 
8,777,563

 
8,863,620

 
5,952,305

     Premises and equipment
213,208

 
218,430

 
222,718

 
230,475

 
126,016

     Goodwill
878,541

 
878,669

 
882,917

 
883,179

 
204,083

     Other intangibles
39,900

 
42,305

 
43,830

 
44,383

 
3,674

     Accrued interest and other assets
532,544

 
470,770

 
472,617

 
508,817

 
348,978

       Total Assets
$
13,952,551

 
$
13,768,958

 
$
13,822,675

 
$
13,956,360

 
$
8,830,176

 
 
 
 
 
 
 
 
 
 
LIABILITIES
 
 
 
 
 
 
 
 
 
     Deposits
 
 
 
 
 
 
 
 
 
       Interest-bearing demand
$
2,269,948

 
$
2,342,528

 
$
2,334,305

 
$
2,573,150

 
$
1,415,603

       Savings
3,115,557

 
3,156,789

 
3,149,871

 
3,196,059

 
2,450,697

       Time
2,224,587

 
2,073,752

 
2,014,936

 
2,192,196

 
1,466,440

          Total interest-bearing deposits
7,610,092

 
7,573,069

 
7,499,112

 
7,961,405

 
5,332,740

       Noninterest-bearing
2,457,587

 
2,476,773

 
2,388,976

 
2,421,230

 
1,570,572

          Total deposits
10,067,679

 
10,049,842

 
9,888,088

 
10,382,635

 
6,903,312

     Federal funds purchased and securities sold
 
 
 
 
 
 
 
 
 
          under agreements to repurchase
103,147

 
65,805

 
112,308

 
97,708

 
72,865

     FHLB short-term borrowings
913,974

 
873,533

 
1,076,106

 
818,909

 
667,641

          Total short-term borrowings
1,017,121

 
939,338

 
1,188,414

 
916,617

 
740,506

     Long-term debt
569,947

 
570,304

 
560,001

 
491,407

 
126,342

       Total borrowed funds
1,587,068

 
1,509,642

 
1,748,415

 
1,408,024

 
866,848

     Accrued interest and other liabilities
203,570

 
166,590

 
164,772

 
165,608

 
130,542

       Total Liabilities
11,858,317

 
11,726,074

 
11,801,275

 
11,956,267

 
7,900,702

 
 
 
 
 
 
 
 
 
 
SHAREHOLDERS' EQUITY
 
 
 
 
 
 
 
 
 
     Common stock
1,625,228

 
1,632,361

 
1,633,129

 
1,632,569

 
572,915

     Retained earnings
610,737

 
576,145

 
542,835

 
517,548

 
503,140

     Accumulated other comprehensive loss
(39,796
)
 
(55,161
)
 
(44,505
)
 
(39,117
)
 
(33,285
)
     Treasury stock, at cost
(101,935
)
 
(110,461
)
 
(110,059
)
 
(110,907
)
 
(113,296
)
       Total Shareholders' Equity
2,094,234

 
2,042,884

 
2,021,400

 
2,000,093

 
929,474

       Total Liabilities and Shareholders' Equity
$
13,952,551

 
$
13,768,958

 
$
13,822,675

 
$
13,956,360

 
$
8,830,176

 
 
 
 
 
 
 
 
 
 


5



FIRST FINANCIAL BANCORP.
NET INTEREST MARGIN RATE/VOLUME ANALYSIS
(Dollars in thousands)
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 Quarterly Averages
 
 
 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
December 31, 2018
 
March 31, 2018
 
 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
 
$
3,355,732

 
3.44
%
 
$
3,204,758

 
3.30
%
 
$
2,042,781

 
3.04
%
 
$
1,159

 
$
677

 
$
1,836

 
$
2,018

 
$
11,148

 
$
13,166

      Interest-bearing deposits with other banks
 
34,709

 
2.45
%
 
32,013

 
2.38
%
 
27,073

 
1.60
%
 
6

 
12

 
18

 
57

 
46

 
103

    Gross loans (1)
 
8,773,310

 
5.69
%
 
8,766,302

 
5.73
%
 
6,017,994

 
5.05
%
 
(890
)
 
(2,634
)
 
(3,524
)
 
9,489

 
38,647

 
48,136

       Total earning assets
 
12,163,751

 
5.06
%
 
12,003,073

 
5.07
%
 
8,087,848

 
4.53
%
 
275

 
(1,945
)
 
(1,670
)
 
11,564

 
49,841

 
61,405

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Nonearning assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Allowance for loan and lease losses
 
(57,088
)
 
 
 
(58,216
)
 
 
 
(55,016
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Cash and due from banks
 
181,695

 
 
 
213,927

 
 
 
116,095

 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Accrued interest and other assets
 
1,664,193

 
 
 
1,610,174

 
 
 
681,249

 
 
 
 
 
 
 
 
 
 
 
 
 
 
       Total assets
 
$
13,952,551

 
 
 
$
13,768,958

 
 
 
$
8,830,176

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest-bearing liabilities
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Deposits:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
      Interest-bearing demand
 
$
2,269,948

 
0.50
%
 
$
2,342,528

 
0.48
%
 
$
1,415,603

 
0.37
%
 
 
 
 
 
 
 
 
 
 
 
 
      Savings
 
3,115,557

 
0.76
%
 
3,156,789

 
0.66
%
 
2,450,697

 
0.64
%
 
 
 
 
 
 
 
 
 
 
 
 
      Time
 
2,224,587

 
1.94
%
 
2,073,752

 
1.75
%
 
1,466,440

 
1.41
%
 
 
 
 
 
 
 
 
 
 
 
 
    Total interest-bearing deposits
 
7,610,092

 
1.03
%
 
7,573,069

 
0.90
%
 
5,332,740

 
0.78
%
 
$
2,377

 
$
(332
)
 
$
2,045

 
$
3,186

 
$
5,759

 
$
8,945

    Borrowed funds
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
      Short-term borrowings
 
1,017,121

 
2.38
%
 
939,338

 
2.19
%
 
740,506

 
1.46
%
 
441

 
333

 
774

 
1,676

 
1,621

 
3,297

      Long-term debt
 
569,947

 
3.59
%
 
570,304

 
3.54
%
 
126,342

 
5.07
%
 
70

 
(115
)
 
(45
)
 
(464
)
 
3,924

 
3,460

        Total borrowed funds
 
1,587,068

 
2.81
%
 
1,509,642

 
2.70
%
 
866,848

 
1.99
%
 
511

 
218

 
729

 
1,212

 
5,545

 
6,757

       Total interest-bearing liabilities
 
9,197,160

 
1.33
%
 
9,082,711

 
1.20
%
 
6,199,588

 
0.95
%
 
2,888

 
(114
)
 
2,774

 
4,398

 
11,304

 
15,702

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Noninterest-bearing liabilities
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Noninterest-bearing demand deposits
 
2,457,587

 
 
 
2,476,773

 
 
 
1,570,572

 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Other liabilities
 
203,570

 
 
 
166,590

 
 
 
130,542

 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Shareholders' equity
 
2,094,234

 
 
 
2,042,884

 
 
 
929,474

 
 
 
 
 
 
 
 
 
 
 
 
 
 
       Total liabilities & shareholders' equity
 
$
13,952,551

 
 
 
$
13,768,958

 
 
 
$
8,830,176

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest income
 
$
121,515

 
 
 
$
125,959

 
 
 
$
75,812

 
 
 
$
(2,613
)
 
$
(1,831
)
 
$
(4,444
)
 
$
7,166

 
$
38,537

 
$
45,703

Net interest spread
 
 
 
3.73
%
 
 
 
3.87
%
 
 
 
3.58
%
 
 
 
 
 
 
 
 
 
 
 
 
Net interest margin
 
 
 
4.05
%
 
 
 
4.16
%
 
 
 
3.80
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tax equivalent adjustment
 
 
 
0.05
%
 
 
 
0.05
%
 
 
 
0.04
%
 
 
 
 
 
 
 
 
 
 
 
 
Net interest margin (fully tax equivalent)
 
 
 
4.10
%
 
 
 
4.21
%
 
 
 
3.84
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(1) Loans held for sale and nonaccrual loans are included in gross loans.

6


FIRST FINANCIAL BANCORP.
CREDIT QUALITY
(Dollars in thousands)
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Mar. 31,
 
Dec. 31,
 
Sep. 30,
 
Jun. 30,
 
Mar. 31,
 
2019
 
2018
 
2018
 
2018
 
2018
ALLOWANCE FOR LOAN AND LEASE LOSS ACTIVITY
 
 
 
 
 
 
Balance at beginning of period
$
56,542

 
$
57,715

 
$
54,076

 
$
54,380

 
$
54,021

  Provision for loan and lease losses
14,083

 
5,310

 
3,238

 
3,735

 
2,303

  Gross charge-offs
 
 
 
 
 
 
 
 
 
    Commercial and industrial
12,328

 
6,060

 
232

 
4,356

 
885

    Lease financing
100

 
0

 
0

 
0

 
0

    Construction real estate
0

 
0

 
0

 
0

 
0

    Commercial real estate
1,214

 
1,679

 
902

 
78

 
2,176

    Residential real estate
82

 
80

 
145

 
101

 
96

    Home equity
468

 
747

 
351

 
385

 
242

    Installment
49

 
158

 
43

 
218

 
16

    Credit card
341

 
392

 
390

 
684

 
254

      Total gross charge-offs
14,582

 
9,116

 
2,063

 
5,822

 
3,669

  Recoveries
 
 
 
 
 
 
 
 
 
    Commercial and industrial
240

 
485

 
627

 
518

 
436

    Lease financing
0

 
0

 
0

 
1

 
0

    Construction real estate
63

 
0

 
146

 
0

 
0

    Commercial real estate
73

 
1,681

 
786

 
887

 
752

    Residential real estate
36

 
44

 
71

 
70

 
26

    Home equity
185

 
274

 
419

 
187

 
429

    Installment
48

 
94

 
351

 
82

 
48

    Credit card
34

 
55

 
64

 
38

 
34

      Total recoveries
679

 
2,633

 
2,464

 
1,783

 
1,725

  Total net charge-offs
13,903

 
6,483

 
(401
)
 
4,039

 
1,944

Ending allowance for loan and lease losses
$
56,722

 
$
56,542

 
$
57,715

 
$
54,076

 
$
54,380

 
 
 
 
 
 
 
 
 
 
NET CHARGE-OFFS TO AVERAGE LOANS AND LEASES (ANNUALIZED)
 
 
 
 
 
 
  Commercial and industrial
1.95
 %
 
0.92
 %
 
(0.07
)%
 
0.64
 %
 
0.10
 %
  Lease financing
0.45
 %
 
0.00
 %
 
0.00
 %
 
0.00
 %
 
0.00
 %
  Construction real estate
(0.05
)%
 
0.00
 %
 
(0.10
)%
 
0.00
 %
 
0.00
 %
  Commercial real estate
0.12
 %
 
0.00
 %
 
0.01
 %
 
(0.08
)%
 
0.23
 %
  Residential real estate
0.02
 %
 
0.02
 %
 
0.03
 %
 
0.01
 %
 
0.06
 %
  Home equity
0.14
 %
 
0.23
 %
 
(0.03
)%
 
0.10
 %
 
(0.16
)%
  Installment
0.00
 %
 
0.27
 %
 
(1.22
)%
 
0.55
 %
 
(0.32
)%
  Credit card
2.62
 %
 
2.76
 %
 
2.68
 %
 
5.54
 %
 
1.90
 %
     Total net charge-offs
0.64
 %
 
0.29
 %
 
(0.02
)%
 
0.18
 %
 
0.13
 %
 
 
 
 
 
 
 
 
 
 
COMPONENTS OF NONPERFORMING LOANS, NONPERFORMING ASSETS, AND UNDERPERFORMING ASSETS
  Nonaccrual loans (1)
 
 
 
 
 
 
 
 
 
    Commercial and industrial
$
19,263

 
$
30,925

 
$
4,310

 
$
3,448

 
$
6,275

    Lease financing
301

 
22

 
0

 
0

 
0

    Construction real estate
7

 
9

 
10

 
24

 
26

    Commercial real estate
21,082

 
20,500

 
20,338

 
21,593

 
16,878

    Residential real estate
13,052

 
13,495

 
11,365

 
9,278

 
3,324

    Home equity
5,581

 
5,580

 
6,018

 
5,820

 
3,484

    Installment
170

 
169

 
327

 
299

 
296

      Nonaccrual loans
59,456

 
70,700

 
42,368

 
40,462

 
30,283

  Accruing troubled debt restructurings (TDRs)
22,817

 
16,109

 
20,313

 
21,839

 
14,943

     Total nonperforming loans
82,273

 
86,809

 
62,681

 
62,301

 
45,226

  Other real estate owned (OREO)
1,665

 
1,401

 
1,918

 
1,853

 
1,065

     Total nonperforming assets
83,938

 
88,210

 
64,599

 
64,154

 
46,291

  Accruing loans past due 90 days or more
178

 
63

 
144

 
327

 
529

     Total underperforming assets
$
84,116

 
$
88,273

 
$
64,743

 
$
64,481

 
$
46,820

Total classified assets
$
142,014

 
$
131,668

 
$
138,868

 
$
139,317

 
$
87,577

 
 
 
 
 
 
 
 
 
 
CREDIT QUALITY RATIOS
 
 
 
 
 
 
Allowance for loan and lease losses to
 
 
 
 
 
 
 
 
 
     Nonaccrual loans
95.40
 %
 
79.97
 %
 
136.22
 %
 
133.65
 %
 
179.57
 %
     Nonperforming loans
68.94
 %
 
65.13
 %
 
92.08
 %
 
86.80
 %
 
120.24
 %
     Total ending loans
0.64
 %
 
0.64
 %
 
0.65
 %
 
0.61
 %
 
0.89
 %
Nonperforming loans to total loans
0.93
 %
 
0.98
 %
 
0.71
 %
 
0.70
 %
 
0.74
 %
Nonperforming assets to
 
 
 
 
 
 
 
 
 
     Ending loans, plus OREO
0.95
 %
 
1.00
 %
 
0.73
 %
 
0.72
 %
 
0.76
 %
     Total assets
0.60
 %
 
0.63
 %
 
0.47
 %
 
0.46
 %
 
0.52
 %
Nonperforming assets, excluding accruing TDRs to
 
 
 
 
 
 
 
 
 
     Ending loans, plus OREO
0.69
 %
 
0.82
 %
 
0.50
 %
 
0.48
 %
 
0.51
 %
     Total assets
0.43
 %
 
0.52
 %
 
0.32
 %
 
0.30
 %
 
0.35
 %
Classified assets to total assets
1.01
 %
 
0.94
 %
 
1.00
 %
 
1.00
 %
 
0.98
 %
 
 
 
 
 
 
 
 
 
 
(1) Nonaccrual loans include nonaccrual TDRs of $13.1 million, $22.4 million, $4.7 million, $5.9 million, and $6.0 million, as of March 31, 2019, December 31, 2018, September 30, 2018, June 30, 2018, and March 31, 2018, respectively.
 


7


FIRST FINANCIAL BANCORP.
CAPITAL ADEQUACY
(Dollars in thousands, except per share data)
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
Mar. 31,
 
Dec. 31,
 
Sep. 30,
 
June 30,
 
Mar. 31,
 
2019
 
2018
 
2018
 
2018
 
2018
PER COMMON SHARE
 
 
 
 
 
 
 
 
 
Market Price
 
 
 
 
 
 
 
 
 
  High
$
28.56

 
$
29.58

 
$
32.35

 
$
33.55

 
$
29.35

  Low
$
23.02

 
$
22.40

 
$
29.40

 
$
28.10

 
$
26.40

  Close
$
24.06

 
$
23.72

 
$
29.70

 
$
30.65

 
$
29.35

 
 
 
 
 
 
 
 
 
 
Average shares outstanding - basic
97,926,088

 
97,424,839

 
97,411,201

 
97,347,533

 
61,654,686

Average shares outstanding - diluted
98,436,311

 
98,468,237

 
98,484,228

 
98,432,072

 
62,180,744

Ending shares outstanding
98,613,872

 
97,894,286

 
97,914,526

 
97,904,897

 
62,213,823

 
 
 
 
 
 
 
 
 
 
Total shareholders' equity
$
2,130,419

 
$
2,078,249

 
$
2,035,520

 
$
2,012,937

 
$
939,985

 
 
 
 
 
 
 
 
 
 
REGULATORY CAPITAL
Preliminary
 
 
 
 
 
 
 
 
Common equity tier 1 capital
$
1,246,004

 
$
1,215,613

 
$
1,177,630

 
$
1,142,718

 
$
779,491

Common equity tier 1 capital ratio
12.03
%
 
11.87
%
 
11.52
%
 
11.15
%
 
10.77
%
Tier 1 capital
$
1,287,757

 
$
1,257,366

 
$
1,219,383

 
$
1,184,471

 
$
779,595

Tier 1 ratio
12.43
%
 
12.28
%
 
11.93
%
 
11.55
%
 
10.77
%
Total capital
$
1,474,723

 
$
1,444,146

 
$
1,407,252

 
$
1,369,231

 
$
953,243

Total capital ratio
14.24
%
 
14.10
%
 
13.77
%
 
13.36
%
 
13.17
%
Total capital in excess of minimum
 
 
 
 
 
 
 
 
 
  requirement
$
387,048

 
$
432,832

 
$
397,783

 
$
356,930

 
$
238,221

Total risk-weighted assets
$
10,358,805

 
$
10,241,159

 
$
10,222,466

 
$
10,251,147

 
$
7,240,731

Leverage ratio
9.84
%
 
9.71
%
 
9.41
%
 
9.06
%
 
9.00
%
 
 
 
 
 
 
 
 
 
 
OTHER CAPITAL RATIOS
 
 
 
 
 
 
 
 
 
Ending shareholders' equity to ending assets
15.14
%
 
14.86
%
 
14.70
%
 
14.46
%
 
10.56
%
Ending tangible shareholders' equity to ending tangible assets
9.15
%
 
8.79
%
 
8.53
%
 
8.30
%
 
8.41
%
Average shareholders' equity to average assets
15.01
%
 
14.84
%
 
14.62
%
 
14.33
%
 
10.53
%
Average tangible shareholders' equity to average tangible assets
8.95
%
 
8.66
%
 
8.42
%
 
8.16
%
 
8.35
%

8
EX-99.2 3 exh992earningsrelease1q1.htm EXHIBIT 99.2 exh992earningsrelease1q1
Exhibit 99.2 Earnings Presentation First Quarter 2019


 
Forward Looking Statement Disclosure Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements. Examples of forward-looking statements include, but are not limited to, statements we make about (i) our future operating or financial performance, including revenues, income or loss and earnings or loss per share, (ii) future common stock dividends, (iii) our capital structure, including future capital levels, (iv) our plans, objectives and strategies, and (v) the assumptions that underlie our forward-looking statements. As with any forecast or projection, forward-looking statements are subject to inherent uncertainties, risks and changes in circumstances that may cause actual results to differ materially from those set forth in the forward-looking statements. Forward-looking statementsare not historical facts but instead express only management’s beliefs regarding future results or events, many of which, by their nature, are inherently uncertain and outside of management’s control. It is possible that actual results and outcomes may differ, possibly materially, from the anticipated results or outcomes indicated in these forward-looking statements. Important factors that could cause actual results to differ materially from those in our forward-looking statements include the following, without limitation: (i) economic, market, liquidity, credit, interest rate, operational and technological risks associated with the Company’s business; (ii) the effect of and changes in policies and laws or regulatory agencies, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and other legislation and regulation relating to the banking industry; (iii) management’s ability to effectively execute its business plans; (iv) mergers and acquisitions, including costs or difficulties related to the integration of acquired companies; (v) the possibility that any of the anticipated benefits of the Company’s merger with MainSource Financial Group, Inc. will not be realized or will not be realized within the expected time period; (vi) the effect of changes in accounting policies and practices; (vii) changes in consumer spending, borrowing and saving and changes in unemployment; (viii) changes in customers’ performance and creditworthiness; and (ix) the costs and effects of litigation and of unexpected or adverse outcomes in such litigation. Additional factors that may cause our actual results to differ materially from those described in our forward-looking statements can be found in the Form 10-K for the year ended December 31, 2018, as well as our other filings with the SEC, which are available on the SEC website at www.sec.gov. All forward-looking statements included in this filing are made as of the date hereof and are based on information available at the time of the filing. Except as required by law, the Company does not assume any obligation to update any forward-looking statement. . 2


 
1Q 2019 Results 114th Consecutive Quarter of Profitability . Net income = $45.8 million or $0.47 per diluted share. Adjusted net income = $47.4 million or $0.48 per diluted share1,2. . Return on average assets = 1.33%. Adjusted return on average assets = 1.38%1. Profitability . Return on average shareholders’ equity = 8.88%. Adjusted return on average shareholders’ equity = 9.16%1. . Return on average tangible common equity = 15.95%1. Adjusted return on average tangible common equity = 16.45%1. . Net interest income = $121.5 million. . Net interest margin of 4.05% on a GAAP basis; 4.10% on a fully tax equivalent basis1. . Noninterest income = $26.8 million; $26.9 million1 as adjusted. Income Statement . Noninterest expense = $78.5 million; $76.7 million1 as adjusted for merger related items. . Efficiency ratio = 52.92%. Adjusted efficiency ratio = 51.68%1. . Effective tax rate of 17.8%. Adjusted effective tax rate of 17.9%1. . EOP assets increased $87.6 million compared to the linked quarter to $14.1 billion. . EOP loans decreased $15.0 million compared to the linked quarter to $8.8 billion. Balance Sheet . Average deposits increased $17.8 million compared to the linked quarter to $10.1 billion. . EOP investment securities increased $63.6 million compared to the linked quarter. . Provision expense = $14.1 million. Net charge-offs = $13.9 million. NCOs / Avg. Loans = 0.64% annualized. Asset Quality . Net charge-offs include $10.0 million related to a single franchise borrower . Nonperforming Loans / Total Loans = 0.93%. Nonperforming Assets / Total Assets = 0.60%. . ALLL / Nonaccrual Loans = 95.40%. ALLL / Total Loans = 0.64%. Classified Assets / Total Assets = 1.01%. . Total capital ratio = 14.24%. . Tier 1 common equity ratio = 12.03%. Capital . Tangible common equity ratio = 9.15%. . Tangible book value per share = $12.19. 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. 2 See Slide 5 for Adjusted Earnings detail. 3


 
1Q 2019 Highlights Solid quarterly earnings Adjusted1 earnings per share - $0.48 Adjusted1 return on assets – 1.38% Adjusted1 return on average tangible common equity – 16.45% Net income reduced by $7.9 million after-tax, or $0.08 per share, for a single franchise charge-off Adjusted1 earnings exclude $1.8 million of merger-related costs Strong net interest margin Decline driven by lower loan fees as well as moderated impact from purchase accounting Disciplined expense management Well controlled adjusted1 noninterest expense of $76.7 million Higher seasonal occupancy expenses offset by declines in other non-personnel expenses Stable loan balances 8% linked quarter increase in loan origination activity offset by lower line utilization Average loan balances increased $11.0 million compared to the linked quarter Modest deposit growth primarily in brokered and retail CD’s Time deposit growth more than offset seasonal declines in business DDA and public funds Credit quality affected by franchise charge-off Annualized net charge-offs increased to 64 bps as a percentage of average loans for the quarter Decline in nonperforming assets impacted by charge-off related to a single franchise borrower as well as work out activity Capital expansion continues Total capital of 14.24%; Tier 1 common equity of 12.03%; Tangible common equity of 9.15% Tangible book value increased to $12.19 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. 4


 
Adjusted Net Income 1 The table below lists certain adjustments that we b performance. 1Q 2019 4Q 2018 As Reported Adjusted As Reported Adjusted Net interest income $ 121,515 $ 121,515 $ 125,959 $ 125,959 Provision for loan and lease losses $ 14,083 $ 14,083 $ 5,310 $ 5,310 Noninterest income $ 26,827elieve are $ significant26,827 to un $ 29,504 $ 29,504 plus: losses on investment securities - 34 A - 60 A less: gains from the redemption of off balance sheet securitizations - - - (1,645) A Total noninterest income $ 26,827 $ 26,861 derstanding $ 29,504 our $ 27,919 quarterly Noninterest expense $ 78,499 $ 78,499 $ 83,352 $ 83,352 less: merger-related expenses - 1,651 A - 3,264 A less: severance expenses - 83 A - 4,221 A less: other - 78 A -- Total noninterest expense $ 78,499 $ 76,687 $ 83,352 $ 75,867 Income before income taxes $ 55,760 $ 57,606 $ 66,801 $ 72,701 Income tax expense $ 9,921 $ 9,921 $ 11,787 $ 11,787 plus: tax effect of adjustments (A) @ 21% statutory rate - 388 - 1,239 Total income tax expense $ 9,921 $ 10,309 $ 11,787 $ 13,026 Net income $ 45,839 $ 47,297 $ 55,014 $ 59,675 Net earnings per share - diluted $ 0.47 $ 0.48 $ 0.56 $ 0.61 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. All dollars shown in thousands, except per share amounts. 5


 
Profitability Diluted EPS Return on Average Assets 1.72% 1.60% 1.64% $0.61  1.49% $0.57  $0.58  1.38% $0.52  $0.48  1.59% 1.45% $0.56 1.40% 1.33% $0.49 $0.51 $0.47 1.05% $0.37 1Q18 2Q18 3Q18 4Q18 1Q19 1Q18 2Q18 3Q18 4Q18 1Q19 ROA Adjusted ROA 1 DilutedEPS Adjusted EPS1 Return on Avg Tangible Common Equity Efficiency Ratio 21.00% 20.83% 21.29% 67.5% 18.24% 56.4% 53.8% 56.1% 53.6% 52.9% 16.45% 51.6% 51.1% 49.3% 51.7% 18.5% 19.6% 17.2% 16.0% 13.7% 1Q18 2Q18 3Q18 4Q18 1Q19 1Q18 2Q18 3Q18 4Q18 1Q19 1 ROATCE Adjusted ROATCE Efficiency Ratio Adjusted Efficiency Ratio 1 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. 6


 
Net Interest Margin Net Interest Margin (FTE) 1Q19 NIM (FTE) Progression 4Q18 4.21% 4.21% Asset yields 0.14% 4.15% 4.12% 4.10% 0.29% Asset mix -0.03% 0.29% 0.29% 0.23% 3.84% Loan fees -0.06% 0.17% 0.11% 0.15% 0.15% 0.13% Funding costs -0.09% Funding mix -0.01% 3.75% 3.76% 3.69% 3.71% 3.70% Purchase accounting -0.06% 1Q18 2Q18 3Q18 4Q18 1Q19 1Q19 4.10% Basic Margin (FTE) Loan Fees Purchase accounting 7


 
Average Balance Sheet Average Loans Average Deposits 5.73% 5.69% 5.49% 5.53% 0.78% 0.60% 0.57% 0.59% 0.68% 5.05% $8,933 $8,849 $8,766 $8,773 $10,383 $9,888 $10,050 $10,068 $6,018 $6,903 1Q18 2Q18 3Q18 4Q18 1Q19 1Q18 2Q18 3Q18 4Q18 1Q19 1 Gross Loans Loan Yield (Gross) Total Deposits Cost of Deposits Average Securities 3.44% 3.30% 3.16% 3.21% 3.04% $3,157 $3,168 $3,205 $3,356 $2,043 1Q18 2Q18 3Q18 4Q18 1Q19 Average Investment Securities Investment Securities Yield All dollars shown in millions 1 Includes loans fees and purchase accounting accretion 8


 
Loan Portfolio Loan LOB Mix (EOP) Net Loan Change-LOB (Linked Quarter) Total $8.8 billion ICRE $55.0 $1,107  Commercial ‐$26.4 13% $2,763  1 Small Business Banking ‐$41.2 $1,017  31% 12% Consumer ‐$18.2 $891  Mortgage $20.8 10% Commercial Finance ‐$5.1 $1,249  $1,782  14% 20% Other $0.1 ICRE Commercial Small Business Banking Consumer Total growth/(decline):    ($15.0 million) Mortgage1 Commercial Finance 1 Decline primarily related to commercial real estate  loans. All dollars shown in millions. 9


 
Deposits Deposit Product Mix (Avg) 1Q19 Average Deposit Progression Total $10.1 billion                                     Interest‐bearing demand ‐$55.2 $1,354  $2,324  13% 23% Public Funds ‐$59.7 $1,453  Savings $4.1 14% $731  7% Money Markets ‐$41.2 $890  $1,403  9% Retail Time Deposits $51.9 14% $1,913  19% Brokered CDs $104.8 Noninterest‐bearing $13.1 Interest‐bearing demand Public Funds Savings Money Markets Retail Time Deposits Brokered CDs Total growth/(decline):    Noninterest‐bearing $17.8 million All dollars shown in millions. 10


 
Asset Quality Classified Assets / Total Assets Nonperforming Assets / Total Assets 1.00% 1.00% 0.63% 0.98% 0.94% 1.01% 0.60% 0.52% $139.3 $138.9 $142.0 0.46% 0.47% $131.7 $88.2 $83.9 $64.2 $64.6 $46.3 $87.6 1Q18 2Q18 3Q18 4Q18 1Q19 1Q18 2Q18 3Q18 4Q18 1Q19 Classified Assets Classified Assets / Total Assets NPAs NPAs / Total Assets Allowance / Total Loans Net Charge Offs & Provision Expense 0.64% 0.89% 0.29% 0.13% 0.18% 0.65% $14.1 0.61% 0.64% 0.64%  ‐0.02% $13.9 $54.4 $54.1 $57.7 $56.5 $56.7 $6.5 $5.3 $4.0 $3.7 $3.2 $1.9 $2.3 ‐$0.4 1Q18 2Q18 3Q18 4Q18 1Q19 1Q18 2Q18 3Q18 4Q18 1Q19 Allowance for Loan Losses ALLL / Total Loans NCOs Provision Expense NCOs / Average Loans All dollars shown in millions. 11


 
Capital Total Capital Ratio Tier 1 Common Equity Ratio 14.10% 14.24% 11.87% 12.03% 13.17% 13.77% 13.36% 11.52% 12.50% 10.50% 11.15% 10.77% 1Q18 2Q18 3Q18 4Q18 1Q19 1Q18 2Q18 3Q18 4Q18 1Q19 Tier 1 Common Equity Ratio Target Total Capital Ratio Target Tangible Common Equity Ratio 9.15% 8.79% 8.53% 8.41% 8.30% 7.50% 1Q18 2Q18 3Q18 4Q18 1Q19 Tangible Common Equity Ratio Target All capital numbers are considered preliminary. 12


 
Capital Strategy & Deployment Tangible Book Value Per Share Strategy & Deployment • Announced in 1Q19 share repurchase plan of up to 5 million shares, or $12.19  approximately 5.0% of the Company's $11.75  $11.72  issued and outstanding shares $11.25  $11.01  • No shares repurchased during the first quarter • Targeted dividend payout ratio remains 35-40% 1Q18 2Q18 3Q18 4Q18 1Q19 Tangible Book Value per Share 13


 
Franchise Lending Portfolio Overview Quality Portfolio . Well-regarded national brand concepts • Top 15 concepts comprise 80% of $9.4  $12.7  portfolio outstandings 2% 2% • Financing for acquisition, development of new stores, and remodeling of existing stores . Disciplined portfolio management • Annual concept reviews • Annual reviews of borrower relationships • Ongoing monitoring of borrower financial performance • Granular portfolio • Average relationship: $3.4 million • Top 10 relationships comprise 30% $518.0  of the portfolio 96% • Largest relationship exposure is $17.5 million Total $540 million Pass Special mention Substandard/Nonaccrual All dollars shown in millions. 14


 
Post–merger Success and Growth Strategies Post-merger Metrics1 Growth Plans • 1.58% return on assets • Continued focus on increasing loan originations and total revenue • 19.85% return on tangible within existing markets common equity • Targeted lending staff additions in • 50.91% efficiency ratio new and emerging markets • $1.1 billion tangible common • Strategic acquisitions equity; 9.15% of tangible assets • • $140 million total capital above Target fee-based businesses (i.e. wealth management, capital internal targets and $394 million markets, etc.) above regulatory minimum for well capitalized • Whole bank or branch deals within or adjacent to our existing • Tangible book value increased to geographic footprint $12.19 from $11.75 pre-merger • Dividend yield approximately 3.7% as of March 31, 2019 All dollars shown in millions 1 Last 12 months adjusted for merger-related items 15


 
2Q19 Outlook1 . Annualized loan growth expected to be in the low to mid single digits on a Balance Sheet percentage basis . NIM (FTE) 3.81 - 3.86%, excluding purchase accounting impact Net Interest Margin . Compares to 3.87% in 1Q19 Credit . Stable credit outlook Noninterest income2 . Seasonal increase to $29 - $31 million . Slight increase to $77 - $79 million Noninterest Expense2 . Efficiency ratio of 50 – 52% Capital . All capital ratios expected to exceed current internal targets Taxes . Effective tax rate of approximately 19.5% 1 See Forward Looking Statement Disclosure on page 2 of this presentation for a discussion of factors that could affect management’s expectations and results in future periods. 2 Management’s estimated outlook excludes merger-related activities. 16


 
Appendix: Non-GAAP Measures The Company’s earnings release and accompanying presentation contain certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (GAAP). Such non-GAAP financial information should be considered supplemental to, and not as a substitute for, or superior to, financial measures calculated in accordance with GAAP. However, we believe that non-GAAP reporting provides meaningful information and therefore we use it to supplement our GAAP information. We have chosen to provide this supplemental information to investors, analysts and other interested parties to enable them to perform additional analyses of operating results, to illustrate the results of operations giving effect to the non-GAAP adjustments and to provide an additional measure of performance. We believe this information is helpful in understanding the results of operations separate and apart from items that may, or could, have a disproportional positive or negative impact in any given period. For a reconciliation of the differences between the non-GAAP financial measures and the most comparable GAAP measures, please refer to the following reconciliation tables. to GAAP Reconciliation 17


 
Appendix: Non-GAAP to GAAP Reconciliation Net interest income and net interest margin - fully tax equivalent Three months ended Mar. 31, Dec. 31, Sep. 30, June 30, Mar. 31, 2019 2018 2018 2018 2018 Net interest income $ 121,515 $ 125,959 $ 123,485 $ 123,979 $ 75,812 Tax equivalent adjustment 1,523 1,442 1,567 1,420 718 Net interest income - tax equivalent $ 123,038 $ 127,401 $ 125,052 $ 125,399 $ 76,530 Average earning assets $ 12,163,751 $ 12,003,073 $ 12,056,627 $ 12,120,000 $ 8,087,848 Net interest margin* 4.05 % 4.16 % 4.06 % 4.10 % 3.80 % Net interest margin (fully tax equivalent)* 4.10 % 4.21 % 4.12 % 4.15 % 3.84 % * Margins are calculated using net interest income annualized divided by average earning assets. The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 21% 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. All dollars shown in thousands. 18


 
Appendix: Non-GAAP to GAAP Reconciliation Additional non-GAAP ratios Three months ended Mar. 31, Dec. 31, Sep. 30, June 30, Mar. 31, (Dollars in thousands, except per share data) 2019 2018 2018 2018 2018 Net income (a) $ 45,839 $ 55,014 $ 50,657 $ 36,418 $ 30,506 Average total shareholders' equity 2,094,234 2,042,884 2,021,400 2,000,093 929,474 Less: Goodwill (878,541) (878,669) (882,917) (883,179) (204,083) Other intangibles (39,900) (42,305) (43,830) (44,383) (3,674) MSR's (9,896) (9,986) (9,183) (9,895) (1,487) Average tangible equity (b) 1,165,897 1,111,924 1,085,470 1,062,636 720,230 Total shareholders' equity 2,130,419 2,078,249 2,035,520 2,012,937 939,985 Less: Goodwill (879,727) (880,251) (881,033) (883,025) (204,083) Other intangibles (38,571) (40,805) (43,356) (42,891) (3,506) MSR's (9,891) (9,974) (9,971) (8,740) (1,464) Ending tangible equity (c) 1,202,230 1,147,219 1,101,160 1, 078,281 730,932 (883,025) (204,083) Other intangibles (38,571) (40,805) (43,356) (42,891) (3,506) Total assets MSR's 14,074,263 13, 986,660 (9,891) 13,842,667 (9,974) 13, 920,167 (9,971) 8,898,429 (8,740) (1,464) Less: Ending tangible assets (d) 13,146,074 13,055,630 12,908,307 12,985,511 8,689,376 Goodwill (879,727) (880,251) (881,033) Risk-weighted assets (e) 10,358,805 10,241,159 10,222,466 10,251,147 7,240,731 Total average assets 13,952,551 13,768,958 13,822,675 13,956,360 8,830,176 Less: Goodwill (878,541) (878,669) (882,917) (883,179) (204,083) Other intangibles (39,900) (42,305) (43,830) (44,383) (3,674) MSR's (9,896) (9,986) (9,183) (9,895) (1,487) Average tangible assets (f)$ 13,024,214 $ 12,837,998 $ 12,886,745 $ 13,018,903 $ 8,620,932 Ending shares outstanding (g) 98,613,872 97,894,286 97,914,526 97,904,897 62,213,823 Ratios Return on average tangible shareholders' equity (a)/(b) 15.95% 19.63% 18.52% 13.75% 17.18% Ending tangible equity as a percent of: Ending tangible assets (c)/(d) 9.15% 8.79% 8.53% 8.30% 8.41% Risk-weighted assets (c)/(e)All dollars shown 11.61% in thousands. 11.20% 10.77% 10.52% 10.09% Average tangible equity as a percent of average tangible assets (b)/(f) 8.95% 8.66% 8.42% 8.16% 8.35% Tangible book value per share (c)/(g)$ 12.1919 $ 11.72 $ 11.25 $ 11.01 $ 11.75


 
Appendix: Non-GAAP to GAAP Reconciliation Additional non-GAAP measures 1Q19 4Q18 3Q18 2Q18 1Q18 (Dollars in thousands, except per share data) As Reported Adjusted As Reported Adjusted As Reported Adjusted As Reported Adjusted As Reported Adjusted Net interest income (f)$ 121,515 $ 121,515 $ 125,959 $ 125,959 $ 123,485 $ 123,485 $ 123,979 $ 123,979 $ 75,812 $ 75,812 Provision for loan and lease losses 14,083 14,083 5,310 5,310 3,238 3,238 3,735 3,735 2,303 2,303 plus: provision expense adjustment Noninterest income 26,827 26,827 29,504 29,504 28,684 28,684 28,256 28,256 16,938 16,938 less: gains from the redemption of off balance sheet securitizations (1,645) plus: Bankcard interchange 340 341 plus: losses on sale of investment securities 34 60 279 30 Total noninterest income (g) 26,827 26,861 29,504 27,919 28,684 29,303 28,256 28,627 16,938 16,938 Noninterest expense 78,499 78,499 83,352 83,352 85,415 85,415 102,755 102,755 52,288 52,288 less: severance expense 83 4,221 2,200 4,546 less: merger-related expenses 1,651 3,264 5,205 19,397 1,985 1 527 less: indemnification asset impairment less: other 78 (113) Total noninterest expense (e) 78,499 76,687 83,352 75,867 85,415 78,010 102,755 78,812 52,288 49,889 Income before income taxes (i) 55,760 57,606 66,801 72,701 63,516 71,540 45,745 70,059 38,159 40,558 Income tax expense 9,921 9,921 11,787 11,787 12,859 12,859 9,327 9,327 7,653 7,653 plus: tax effect of adjustments 388 1,239 1,685 5,106 504 plus: tax reform impact on DTLs & tax partnerships plus: after-tax impact of historic tax credit write-down @ 35% Total income tax expense (h) 9,921 10,309 11,787 13,026 12,859 14,544 9,327 14,433 7,653 8,157 Net income (a) $ 45,839 $ 47,297 $ 55,014 $ 59,675 $ 50,657 $ 56,996 $ 36,418 $ 55,626 $ 30,506 $ 32,401 Average diluted shares (b) 98,436 98,436 98,468 98,468 98,484 98,484 98,432 98,432 62,181 62,181 Average assets (c) 13,952,551 13,952,551 13,768,958 13,768,958 13,822,675 13,822,675 13,956,360 13,956,360 8,830,176 8,830,176 2,000,093 929,474 929,474 Average shareholders' equity 2,094,234 2,094,234 2,042,884 2,042,884 2,021,400 2,021,400 2,000,093 Less: Goodwill and other intangibles (928,337) (928,337) (930,960) (930,960) (935,930) (935,930) (937,457) (937,457) (209,244) (209,244) Average tangible equity (d) 1,165,897 1,165,897 1,111,924 1,111,924 1,085,470 1,085,470 1,062,636 1,062,636 720,230 720,230 1 - Impairment charge related to preliminary agreement to terminate FDIC loss sharing agreements. Ratios Net earnings per share - diluted (a)/(b) $ 0.47 $ 0.48 $ 0.56 $ 0.61 $ 0.51 $ 0.58 $ 0.37 $ 0.57 $ 0.49 $ 0.52 Return on average assets - (a)/(c) 1.33% 1.38% 1.59% 1.72% 1.45% 1.64% 1.05% 1.60% 1.40% 1.49% Return on average tangible shareholders' equity - (a)/(d) 15.95% 16.45% 19.63% 21.29% 18.52% 20.83% 13.75% 21.00% 17.18% 18.24% Efficiency ratio - (e)/((f)+(g)) 52.9% 51.7% 53.6% 49.3% 56.1% 51.1% 67.5% 51.6% 56.4% 53.8% Effective tax rate - (h)/(i) 17.8% 17.9% 17.6% 17.9% 20.2% 20.3% 20.4% 20.6% 20.1% 20.1% 20


 
Update ‐New colors 21


 
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