Exhibit 99.2

FIRST FINANCIAL BANCORP.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(Dollars in thousands, except per share)

(Unaudited)

	Three months ended,															Twelve months ended
	Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,			Dec. 31,			Dec. 31,
	2009			2009			2009			2009			2008			2009			2008
RESULTS OF OPERATIONS
Net interest income	$	73,182		$	40,664		$	31,209		$	30,928		$	30,129		$	175,983		$	116,202
Net income	$	13,795		$	225,566		$	1,450		$	5,735		$	2,084		$	246,546		$	22,962
Net income available to common shareholders	$	12,795		$	224,566		$	450		$	5,157		$	2,084		$	242,968		$	22,962
Net earnings per common share - basic	$	0.25		$	4.40		$	0.01		$	0.14		$	0.06		$	5.40		$	0.62
Net earnings per common share - diluted	$	0.25		$	4.36		$	0.01		$	0.14		$	0.06		$	5.33		$	0.61
Dividends declared per common share	$	0.10		$	0.10		$	0.10		$	0.10		$	0.17		$	0.40		$	0.68
KEY FINANCIAL RATIOS
Return on average assets		0.80	%		19.85	%		0.15	%		0.62	%		0.23	%		5.20	%		0.67	%
Return on average shareholders' equity		8.05	%		186.11	%		1.53	%		6.63	%		2.89	%		52.04	%		8.21	%
Return on average common shareholders' equity		8.44	%		221.29	%		0.60	%		7.67	%		2.97	%		61.43	%		8.27	%
Return on average tangible common shareholders' equity		9.37	%		260.04	%		0.66	%		8.57	%		3.32	%		72.27	%		9.24	%
Net interest margin		4.63	%		3.90	%		3.60	%		3.61	%		3.67	%		4.05	%		3.71	%
Net interest margin (fully tax equivalent) (1)		4.65	%		3.93	%		3.64	%		3.65	%		3.71	%		4.08	%		3.77	%
Ending equity as a percent of ending assets		10.11	%		9.24	%		11.81	%		9.29	%		9.42	%		10.11	%		9.42	%
Ending common equity as a percent of ending assets		8.92	%		8.16	%		9.74	%		7.24	%		7.31	%		8.92	%		7.31	%
Ending tangible common equity as a percent of:
Ending tangible assets		8.10	%		7.40	%		9.06	%		6.54	%		6.57	%		8.10	%		6.57	%
Risk-weighted assets		13.73	%		13.26	%		11.05	%		8.38	%		8.37	%		13.73	%		8.37	%
Average equity as a percent of average assets		9.90	%		10.66	%		10.04	%		9.29	%		8.04	%		9.99	%		8.16	%
Average common equity as a percent of average assets		8.76	%		8.93	%		7.98	%		7.22	%		7.82	%		8.34	%		8.11	%
Average tangible common equity as a percent of average tangible assets		7.96	%		7.70	%		7.27	%		6.51	%		7.05	%		7.18	%		7.31	%
Book value per common share	$	11.59		$	11.52		$	7.16		$	7.36		$	7.21		$	11.59		$	7.21
Tangible book value per common share	$	10.43		$	10.35		$	6.61		$	6.59		$	6.43		$	10.43		$	6.43
Tier 1 Ratio (2)		16.74	%		16.07	%		14.77	%		12.16	%		12.38	%		16.74	%		12.38	%
Total Capital Ratio (2)		18.00	%		17.32	%		16.02	%		13.39	%		13.62	%		18.00	%		13.62	%
Leverage Ratio (2)		9.57	%		14.41	%		12.02	%		9.51	%		10.00	%		9.57	%		10.00	%
AVERAGE BALANCE SHEET ITEMS
Loans (3)	$	2,929,850		$	2,886,729		$	2,744,063		$	2,717,097		$	2,690,895		$	2,820,202		$	2,661,546
Covered loans and FDIC indemnification asset		2,278,431			539,330			0			0			0			710,230			0
Investment securities		608,952			575,697			731,119			758,257			574,893			667,843			452,921
Interest-bearing deposits with other banks		447,999			136,210			8,614			7,291			1,737			151,198			18,603
Total earning assets	$	6,265,232		$	4,137,966		$	3,483,796		$	3,482,645		$	3,267,525		$	4,349,473		$	3,133,070
Total assets	$	6,863,923		$	4,508,809		$	3,784,458		$	3,777,510		$	3,566,051		$	4,741,514		$	3,426,275
Noninterest-bearing deposits	$	768,573		$	543,320		$	425,330		$	416,206		$	412,644		$	539,336		$	397,267
Interest-bearing deposits		4,781,908			3,065,377			2,408,054			2,405,700			2,367,121			3,171,496			2,400,136
Total deposits	$	5,550,481		$	3,608,697		$	2,833,384		$	2,821,906		$	2,779,765		$	3,710,832		$	2,797,403
Borrowings	$	471,916		$	377,406		$	542,578		$	566,808		$	474,655		$	489,109		$	321,539
Shareholders' equity	$	679,840		$	480,839		$	379,944		$	350,857		$	286,582		$	473,793		$	279,709
CREDIT QUALITY RATIOS (excluding covered assets)
Allowance to ending loans		2.05	%		1.94	%		1.34	%		1.33	%		1.34	%		2.05	%		1.34	%
Allowance to nonaccrual loans		82.77	%		92.17	%		102.81	%		147.57	%		199.51	%		82.77	%		199.51	%
Allowance to nonperforming loans		76.25	%		87.68	%		102.27	%		146.38	%		197.27	%		76.25	%		197.27	%
Nonperforming loans to total loans		2.69	%		2.21	%		1.31	%		0.91	%		0.68	%		2.69	%		0.68	%
Nonperforming assets to ending loans, plus OREO		2.83	%		2.36	%		1.48	%		1.04	%		0.83	%		2.83	%		0.83	%
Nonperforming assets to total assets		1.23	%		0.94	%		1.14	%		0.75	%		0.60	%		1.23	%		0.60	%
Net charge-offs to average loans (annualized)		1.53	%		1.31	%		1.19	%		0.55	%		0.73	%		1.16	%		0.47	%

(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) December 31, 2009 regulatory capital ratios are preliminary.

(3) Includes loans held for sale.

- 14 -

FIRST FINANCIAL BANCORP.

CONSOLIDATED STATEMENTS OF INCOME

(Dollars in thousands)

(Unaudited)

	Three months ended,									Twelve months ended,
	Dec. 31,									Dec. 31,
	2009			2008			% Change			2009			2008			% Change
Interest income
Loans, including fees	$	81,471		$	37,864			115.2	%	$	195,917		$	159,985			22.5	%
Investment securities
Taxable		6,422			6,697			(4.1	)%		29,376			19,954			47.2	%
Tax-exempt		320			519			(38.3	)%		1,492			2,733			(45.4	)%
Total investment securities interest		6,742			7,216			(6.6	)%		30,868			22,687			36.1	%
Other earning assets		5,132			6			85433.3	%		6,443			633			917.9	%
Total interest income		93,345			45,086			107.0	%		233,228			183,305			27.2	%
Interest expense
Deposits		17,207			12,015			43.2	%		47,580			57,997			(18.0	)%
Short-term borrowings		23			1,186			(98.1	)%		1,318			4,828			(72.7	)%
Long-term borrowings		2,611			1,395			87.2	%		7,145			2,892			147.1	%
Subordinated debentures and capital securities		322			361			(10.8	)%		1,202			1,386			(13.3	)%
Total interest expense		20,163			14,957			34.8	%		57,245			67,103			(14.7	)%
Net interest income		73,182			30,129			142.9	%		175,983			116,202			51.4	%
Provision for loan and lease losses		14,812			10,475			41.4	%		56,084			19,410			188.9	%
Net interest income after provision for loan and lease losses		58,370			19,654			197.0	%		119,899			96,792			23.9	%
Noninterest income
Service charges on deposit accounts		5,886			4,752			23.9	%		19,662			19,658			0.0	%
Trust and wealth management fees		3,584			3,745			(4.3	)%		13,465			17,411			(22.7	)%
Bankcard income		1,869			1,457			28.3	%		5,961			5,653			5.4	%
Net gains from sales of loans		341			321			6.2	%		1,196			1,104			8.3	%
Gains on sales of investment securities		0			0			N/M			3,349			1,585			111.3	%
Gain on acquisition		0			0			N/M			379,086			0			N/M
(Loss) income on preferred securities		(138	)		(137	)		0.7	%		139			(3,738	)		(103.7	)%
Other		12,607			2,510			402.3	%		18,449			10,076			83.1	%
Total noninterest income		24,149			12,648			90.9	%		441,307			51,749			752.8	%
Noninterest expenses
Salaries and employee benefits		30,141			17,015			77.1	%		86,068			66,862			28.7	%
Net occupancy		7,290			2,635			176.7	%		16,202			10,635			52.3	%
Furniture and equipment		2,527			1,748			44.6	%		8,054			6,708			20.1	%
Data processing		890			840			6.0	%		3,475			3,238			7.3	%
Marketing		1,283			935			37.2	%		3,494			2,548			37.1	%
Communication		1,169			704			66.1	%		3,246			2,859			13.5	%
Professional services		2,605			912			185.6	%		6,032			3,463			74.2	%
State intangible tax		564			435			29.7	%		2,508			2,506			0.1	%
FDIC expense		1,529			158			867.7	%		6,847			363			1786.2	%
Other		13,609			4,465			204.8	%		34,712			15,994			117.0	%
Total noninterest expenses		61,607			29,847			106.4	%		170,638			115,176			48.2	%
Income before income taxes		20,912			2,455			751.8	%		390,568			33,365			1070.6	%
Income tax expense		7,117			371			1818.3	%		144,022			10,403			1284.4	%
Net income		13,795			2,084			561.9	%		246,546			22,962			973.7	%
Dividends on preferred stock		1,000			0			N/M			3,578			0			N/M
Income available to common shareholders	$	12,795		$	2,084			514.0	%	$	242,968		$	22,962			958.1	%
ADDITIONAL DATA
Net earnings per common share - basic	$	0.25		$	0.06					$	5.40		$	0.62
Net earnings per common share - diluted	$	0.25		$	0.06					$	5.33		$	0.61
Dividends declared per common share	$	0.10		$	0.17					$	0.40		$	0.68
Return on average assets		0.80	%		0.23	%					5.20	%		0.67	%
Return on average shareholders' equity		8.05	%		2.89	%					52.04	%		8.21	%
Interest income	$	93,345		$	45,086			107.0	%	$	233,228		$	183,305			27.2	%
Tax equivalent adjustment		295			360			(18.1	)%		1,265			1,808			(30.0	)%
Interest income - tax equivalent		93,640			45,446			106.0	%		234,493			185,113			26.7	%
Interest expense		20,163			14,957			34.8	%		57,245			67,103			(14.7	)%
Net interest income - tax equivalent	$	73,477		$	30,489			141.0	%	$	177,248		$	118,010			50.2	%
Net interest margin		4.63	%		3.67	%					4.05	%		3.71	%
Net interest margin (fully tax equivalent) (1)		4.65	%		3.71	%					4.08	%		3.77	%
Full-time equivalent employees (2)		1,390			1,061

(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 provided useful information to investors by allowing them to make peer comparisons.  Management also uses these measures to make peer comparisons.

(2) Does not include associates from acquisitions that are currently in a temporary hire status.

N/M = Not meaningful.

- 15 -

FIRST FINANCIAL BANCORP.

CONSOLIDATED QUARTERLY STATEMENTS OF INCOME

(Dollars in thousands)

(Unaudited)

	2009
	Fourth			Third			Second			First						% Change
	Quarter			Quarter			Quarter			Quarter			Full Year			Linked Qtr.
Interest income
Loans, including fees	$	81,471		$	46,811		$	33,978		$	33,657		$	195,917			74.0	%
Investment securities
Taxable		6,422			6,241			8,023			8,690			29,376			2.9	%
Tax-exempt		320			352			386			434			1,492			(9.1	)%
Total investment securities interest		6,742			6,593			8,409			9,124			30,868			2.3	%
Other earning assets		5,132			1,311			0			0			6,443			N/M
Total interest income		93,345			54,715			42,387			42,781			233,228			70.6	%
Interest expense
Deposits		17,207			11,490			9,080			9,803			47,580			49.8	%
Short-term borrowings		23			261			527			507			1,318			(91.2	)%
Long-term borrowings		2,611			1,977			1,251			1,306			7,145			32.1	%
Subordinated debentures and capital securities		322			323			320			237			1,202			(0.3	)%
Total interest expense		20,163			14,051			11,178			11,853			57,245			43.5	%
Net interest income		73,182			40,664			31,209			30,928			175,983			80.0	%
Provision for loan and lease losses		14,812			26,655			10,358			4,259			56,084			(44.4	)%
Net interest income after provision for loan and lease losses		58,370			14,009			20,851			26,669			119,899			316.7	%
Noninterest income
Service charges on deposit accounts		5,886			5,408			4,289			4,079			19,662			8.8	%
Trust and wealth management fees		3,584			3,339			3,253			3,289			13,465			7.3	%
Bankcard income		1,869			1,379			1,422			1,291			5,961			35.5	%
Net gains from sales of loans		341			63			408			384			1,196			441.3	%
Gains on sales of investment securities		0			0			3,349			0			3,349			N/M
Gain on acquisition		0			379,086			0			0			379,086			(100.0	)%
(Loss) income on preferred securities		(138	)		154			112			11			139			(189.6	)%
Other		12,607			1,599			1,264			2,979			18,449			688.4	%
Total noninterest income		24,149			391,028			14,097			12,033			441,307			(93.8	)%
Noninterest expenses
Salaries and employee benefits		30,141			22,051			16,223			17,653			86,068			36.7	%
Net occupancy		7,290			3,442			2,653			2,817			16,202			111.8	%
Furniture and equipment		2,527			1,874			1,851			1,802			8,054			34.8	%
Data processing		890			973			794			818			3,475			(8.5	)%
Marketing		1,283			871			700			640			3,494			47.3	%
Communication		1,169			737			669			671			3,246			58.6	%
Professional services		2,605			1,220			1,254			953			6,032			113.5	%
State intangible tax		564			628			648			668			2,508			(10.2	)%
FDIC expense		1,529			1,612			3,424			282			6,847			(5.1	)%
Other		13,609			12,893			4,580			3,630			34,712			5.6	%
Total noninterest expenses		61,607			46,301			32,796			29,934			170,638			33.1	%
Income before income taxes		20,912			358,736			2,152			8,768			390,568			(94.2	)%
Income tax expense		7,117			133,170			702			3,033			144,022			(94.7	)%
Net income		13,795			225,566			1,450			5,735			246,546			(93.9	)%
Dividends on preferred stock		1,000			1,000			1,000			578			3,578			0.0	%
Income available to common shareholders	$	12,795		$	224,566		$	450		$	5,157		$	242,968			(94.3	)%
ADDITIONAL DATA
Net earnings per common share - basic	$	0.25		$	4.40		$	0.01		$	0.14		$	5.40
Net earnings per common share - diluted	$	0.25		$	4.36		$	0.01		$	0.14		$	5.33
Dividends declared per common share	$	0.10		$	0.10		$	0.10		$	0.10		$	0.40
Return on average assets		0.80	%		19.85	%		0.15	%		0.62	%		5.20	%
Return on average shareholders' equity		8.05	%		186.11	%		1.53	%		6.63	%		52.04	%
Interest income	$	93,345		$	54,715		$	42,387		$	42,781		$	233,228			70.6	%
Tax equivalent adjustment		295			300			307			363			1,265			(1.7	)%
Interest income – tax equivalent		93,640			55,015			42,694			43,144			234,493			70.2	%
Interest expense		20,163			14,051			11,178			11,853			57,245			43.5	%
Net interest income - tax equivalent	$	73,477		$	40,964		$	31,516		$	31,291		$	177,248			79.4	%
Net interest margin		4.63	%		3.90	%		3.60	%		3.61	%		4.05	%
Net interest margin (fully tax equivalent) (1)		4.65	%		3.93	%		3.64	%		3.65	%		4.08	%
Full-time equivalent employees (2)		1,390			1,150			1,048			1,063

(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 provided useful information to investors by allowing them to make peer comparisons.  Management also uses these measures to make peer comparisons.

(2) Does not include associates from acquisitions that are currently in a temporary hire status.

N/M = Not meaningful.

- 16 -

FIRST FINANCIAL BANCORP.

CONSOLIDATED QUARTERLY STATEMENTS OF INCOME

(Dollars in thousands)

(Unaudited)

	2008
	Fourth			Third			Second			First			Full
	Quarter			Quarter			Quarter			Quarter			Year
Interest income
Loans, including fees	$	37,864		$	39,754		$	39,646		$	42,721		$	159,985
Investment securities
Taxable		6,697			5,349			4,387			3,521			19,954
Tax-exempt		519			631			792			791			2,733
Total investment securities interest		7,216			5,980			5,179			4,312			22,687
Other earning assets		6			22			40			565			633
Total interest income		45,086			45,756			44,865			47,598			183,305
Interest expense
Deposits		12,015			13,608			14,635			17,739			57,997
Short-term borrowings		1,186			1,720			1,130			792			4,828
Long-term borrowings		1,395			707			384			406			2,892
Subordinated debentures and capital securities		361			311			302			412			1,386
Total interest expense		14,957			16,346			16,451			19,349			67,103
Net interest income		30,129			29,410			28,414			28,249			116,202
Provision for loan and lease losses		10,475			3,219			2,493			3,223			19,410
Net interest income after provision for loan and lease losses		19,654			26,191			25,921			25,026			96,792
Noninterest income
Service charges on deposit accounts		4,752			5,348			4,951			4,607			19,658
Trust and wealth management fees		3,745			4,390			4,654			4,622			17,411
Bankcard income		1,457			1,405			1,493			1,298			5,653
Net gains from sales of loans		321			376			188			219			1,104
Gains on sales of investment securities		0			0			0			1,585			1,585
(Loss) income on preferred securities		(137	)		(3,400	)		(221	)		20			(3,738	)
Other		2,510			2,359			2,683			2,524			10,076
Total noninterest income		12,648			10,478			13,748			14,875			51,749
Noninterest expenses
Salaries and employee benefits		17,015			16,879			15,895			17,073			66,862
Net occupancy		2,635			2,538			2,510			2,952			10,635
Furniture and equipment		1,748			1,690			1,617			1,653			6,708
Data processing		840			791			814			793			3,238
Marketing		935			622			474			517			2,548
Communication		704			601			749			805			2,859
Professional services		912			729			1,061			761			3,463
State intangible tax		435			697			688			686			2,506
FDIC expense		158			115			121			127			521
Other		4,465			3,678			4,040			3,653			15,836
Total noninterest expenses		29,847			28,340			27,969			29,020			115,176
Income before income taxes		2,455			8,329			11,700			10,881			33,365
Income tax expense		371			2,597			3,892			3,543			10,403
Net income		2,084			5,732			7,808			7,338			22,962
Dividends on preferred stock		0			0			0			0			0
Net income available to common shareholders	$	2,084		$	5,732		$	7,808		$	7,338		$	22,962
ADDITIONAL DATA
Net earnings per common share - basic	$	0.06		$	0.15		$	0.21		$	0.20		$	0.62
Net earnings per common share - diluted	$	0.06		$	0.15		$	0.21		$	0.20		$	0.61
Dividends declared per common share	$	0.17		$	0.17		$	0.17		$	0.17		$	0.68
Return on average assets		0.23	%		0.66	%		0.93	%		0.89	%		0.67	%
Return on average shareholders' equity		2.89	%		8.24	%		11.26	%		10.66	%		8.21	%
Interest income	$	45,086		$	45,756		$	44,865		$	47,598		$	183,305
Tax equivalent adjustment		360			424			510			514			1,808
Interest income - tax equivalent		45,446			46,180			45,375			48,112			185,113
Interest expense		14,957			16,346			16,451			19,349			67,103
Net interest income - tax equivalent	$	30,489		$	29,834		$	28,924		$	28,763		$	118,010
Net interest margin		3.67	%		3.68	%		3.72	%		3.78	%		3.71	%
Net interest margin (fully tax equivalent) (1)		3.71	%		3.73	%		3.78	%		3.85	%		3.77	%
Full-time equivalent employees		1,061			1,052			1,058			1,056

(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 provided useful information to investors by allowing them to make peer comparisons.  Management also uses these measures to make peer comparisons.

N/M = Not meaningful.

- 17 -

FIRST FINANCIAL BANCORP.

CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)

(Unaudited)

	Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,			Dec. 31,			% Change			% Change
	2009			2009			2009			2009			2008			Linked Qtr.			Comparable Qtr.
ASSETS
Cash and due from banks	$	344,150		$	243,924		$	74,347		$	72,508		$	100,935			41.1	%		241.0	%
Interest-bearing deposits with other banks		262,017			728,853			6,591			7,055			0			(64.1	)%		N/M
Investment securities trading		200			338			184			72			61			(40.8	)%		227.9	%
Investment securities available-for-sale		471,002			523,355			528,179			732,868			659,756			(10.0	)%		(28.6	)%
Investment securities held-to-maturity		18,115			17,928			4,536			4,701			4,966			1.0	%		264.8	%
Other investments		89,830			87,693			27,976			27,976			27,976			2.4	%		221.1	%
Loans held for sale		8,052			2,729			6,193			6,342			3,854			195.1	%		108.9	%
Loans
Commercial		798,622			818,608			876,730			850,111			807,720			(2.4	)%		(1.1	)%
Real estate - construction		253,223			245,535			266,452			251,115			232,989			3.1	%		8.7	%
Real estate - commercial		1,079,628			1,037,121			988,901			859,303			846,673			4.1	%		27.5	%
Real estate - residential		321,047			331,678			337,704			360,013			383,599			(3.2	)%		(16.3	)%
Installment		82,989			86,940			88,370			91,767			98,581			(4.5	)%		(15.8	)%
Home equity		328,940			324,340			307,749			298,000			286,110			1.4	%		15.0	%
Credit card		29,027			27,713			27,023			26,191			27,538			4.7	%		5.4	%
Lease financing		14			19			25			45			50			(26.3	)%		(72.0	)%
Total loans, excluding covered loans		2,893,490			2,871,954			2,892,954			2,736,545			2,683,260			0.7	%		7.8	%
Covered loans		1,929,549			2,041,691			0			0			0			N/M			N/M
Total loans		4,823,039			4,913,645			2,892,954			2,736,545			2,683,260			(1.8	)%		79.7	%
Less
Allowance for loan and lease losses		59,311			55,770			38,649			36,437			35,873			6.3	%		65.3	%
Net loans		4,763,728			4,857,875			2,854,305			2,700,108			2,647,387			(1.9	)%		79.9	%
Premises and equipment		107,351			106,401			86,216			85,385			84,105			0.9	%		27.6	%
Goodwill		51,908			51,908			28,261			28,261			28,261			0.0	%		83.7	%
Other intangibles		7,461			8,094			465			500			1,002			(7.8	)%		644.6	%
OREO covered by loss share		12,916			11,057			0			0			0			16.8	%		N/M
FDIC indemnification asset		316,040			316,389			0			0			0			(0.1	)%		N/M
Accrued interest and other assets		228,353			301,162			166,100			143,420			140,839			(24.2	)%		62.1	%
Total Assets	$	6,681,123		$	7,257,706		$	3,783,353		$	3,809,196		$	3,699,142			(7.9	)%		80.6	%
LIABILITIES
Deposits
Interest-bearing	$	1,356,249		$	1,364,556		$	599,365		$	622,263		$	636,945			(0.6	)%		112.9	%
Savings		1,010,469			965,750			657,300			705,229			583,081			4.6	%		73.3	%
Time		2,229,400			2,703,392			1,111,399			1,137,398			1,150,208			(17.5	)%		93.8	%
Total interest-bearing deposits		4,596,118			5,033,698			2,368,064			2,464,890			2,370,234			(8.7	)%		93.9	%
Noninterest-bearing		754,522			802,286			423,781			427,068			413,283			(6.0	)%		82.6	%
Total deposits		5,350,640			5,835,984			2,791,845			2,891,958			2,783,517			(8.3	)%		92.2	%
Short-term borrowings
Federal funds purchased and securities sold under agreements to repurchase		37,430			35,763			206,777			162,549			147,533			4.7	%		(74.6	)%
Federal Home Loan Bank		0			65,000			125,000			160,000			150,000			(100.0	)%		(100.0	)%
Other		0			0			25,000			40,000			57,000			N/M			(100.0	)%
Total short-term borrowings		37,430			100,763			356,777			362,549			354,533			(62.9	)%		(89.4	)%
Long-term debt		404,716			410,356			135,908			136,832			148,164			(1.4	)%		173.2	%
Other long-term debt		20,620			20,620			20,620			20,620			20,620			0.0	%		0.0	%
Accrued interest and other liabilities		192,550			219,357			31,567			43,477			43,981			(12.2	)%		337.8	%
Total Liabilities		6,005,956			6,587,080			3,336,717			3,455,436			3,350,815			(8.8	)%		79.2	%
SHAREHOLDERS' EQUITY
Preferred stock		79,195			78,271			78,173			78,075			78,019			1.2	%		1.5	%
Common stock		490,532			490,854			490,292			394,887			394,169			(0.1	)%		24.4	%
Retained earnings		301,328			293,610			74,285			77,695			76,339			2.6	%		294.7	%
Accumulated other comprehensive loss		(10,487	)		(6,659	)		(10,700	)		(8,564	)		(11,905	)		57.5	%		(11.9	)%
Treasury stock, at cost		(185,401	)		(185,450	)		(185,414	)		(188,333	)		(188,295	)		(0.0	)%		(1.5	)%
Total Shareholders' Equity		675,167			670,626			446,636			353,760			348,327			0.7	%		93.8	%
Total Liabilities and Shareholders' Equity	$	6,681,123		$	7,257,706		$	3,783,353		$	3,809,196		$	3,699,142			(7.9	)%		80.6	%

N/M = Not meaningful.

- 18 -

FIRST FINANCIAL BANCORP.

AVERAGE CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)

(Unaudited)

	Quarterly Averages															Year-to-Date Averages
	Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,			Dec. 31,			Dec. 31,
	2009			2009			2009			2009			2008			2009			2008
ASSETS
Cash and due from banks	$	274,601		$	107,216		$	72,402		$	78,359		$	87,307		$	133,611		$	86,265
Interest-bearing deposits with other banks		447,999			136,210			8,614			7,291			1,737			151,198			18,603
Investment securities		608,952			575,697			731,119			758,257			574,893			667,843			452,921
Loans held for sale		2,936			2,629			5,942			5,085			1,876			4,138			2,525
Loans
Commercial		839,456			855,996			843,183			825,399			809,869			841,088			803,945
Real estate - construction		256,915			261,601			257,487			242,750			220,839			254,746			188,763
Real estate - commercial		1,048,650			1,002,073			869,985			858,403			830,121			945,456			771,014
Real estate - residential		333,858			333,981			348,834			372,853			417,499			347,238			486,568
Installment		87,825			87,506			89,857			94,881			102,814			89,991			116,851
Home equity		332,169			315,629			302,159			291,038			280,900			310,376			265,362
Credit card		28,025			27,292			26,577			26,641			26,902			27,138			26,348
Lease financing		16			22			39			47			75			31			170
Total loans, excluding covered loans		2,926,914			2,884,100			2,738,121			2,712,012			2,689,019			2,816,064			2,659,021
Covered loans		1,968,136			460,943			0			0			0			612,261			0
Total loans		4,895,050			3,345,043			2,738,121			2,712,012			2,689,019			3,428,325			2,659,021
Less
Allowance for loan and lease losses		54,164			42,034			36,644			37,189			29,710			42,553			29,391
Net loans		4,840,886			3,303,009			2,701,477			2,674,823			2,659,309			3,385,772			2,629,630
Premises and equipment		106,999			91,252			85,433			84,932			83,307			92,212			80,561
Goodwill		51,627			64,309			28,261			28,261			28,261			43,368			28,261
Other intangibles		7,885			2,553			489			982			613			2,995			646
OREO covered by loss share		11,383			7,065			0			0			0			4,650			0
FDIC indemnification asset		310,295			78,387			0			0			0			97,969			0
Accrued interest and other assets		200,360			140,482			150,721			139,520			128,748			157,758			126,863
Total Assets	$	6,863,923		$	4,508,809		$	3,784,458		$	3,777,510		$	3,566,051		$	4,741,514		$	3,426,275
LIABILITIES
Deposits
Interest-bearing	$	1,424,199		$	745,604		$	630,885		$	642,934		$	611,129		$	862,730		$	608,708
Savings		978,842			835,615			645,197			620,509			604,370			771,202			610,875
Time		2,378,867			1,484,158			1,131,972			1,142,257			1,151,622			1,537,564			1,180,553
Total interest-bearing deposits		4,781,908			3,065,377			2,408,054			2,405,700			2,367,121			3,171,496			2,400,136
Noninterest-bearing		768,573			543,320			425,330			416,206			412,644			539,336			397,267
Total deposits		5,550,481			3,608,697			2,833,384			2,821,906			2,779,765			3,710,832			2,797,403
Short-term borrowings
Federal funds purchased and securities sold under agreements to repurchase		41,456			55,197			176,592			127,652			98,690			99,865			46,913
Federal Home Loan Bank		1,096			72,855			169,341			218,100			150,867			114,637			118,550
Other		0			22,826			39,836			56,078			53,044			29,512			56,680
Total short-term borrowings		42,552			150,878			385,769			401,830			302,601			244,014			222,143
Long-term debt		408,744			205,908			136,189			144,358			151,434			224,475			78,776
Other long-term debt		20,620			20,620			20,620			20,620			20,620			20,620			20,620
Total borrowed funds		471,916			377,406			542,578			566,808			474,655			489,109			321,539
Accrued interest and other liabilities		161,686			41,867			28,552			37,939			25,049			67,780			27,624
Total Liabilities		6,184,083			4,027,970			3,404,514			3,426,653			3,279,469			4,267,721			3,146,566
SHAREHOLDERS' EQUITY
Preferred stock		78,573			78,221			78,126			78,038			7,805			78,241			1,962
Common stock		490,889			490,596			418,086			394,500			391,601			448,897			390,946
Retained earnings		302,159			106,729			78,296			77,317			81,932			141,647			81,396
Accumulated other comprehensive loss		(6,372	)		(9,290	)		(7,936	)		(10,677	)		(6,462	)		(8,559	)		(6,069	)
Treasury stock, at cost		(185,409	)		(185,417	)		(186,628	)		(188,321	)		(188,294	)		(186,433	)		(188,526	)
Total Shareholders' Equity		679,840			480,839			379,944			350,857			286,582			473,793			279,709
Total Liabilities and Shareholders' Equity	$	6,863,923		$	4,508,809		$	3,784,458		$	3,777,510		$	3,566,051		$	4,741,514		$	3,426,275

- 19 -

FIRST FINANCIAL BANCORP.

NET INTEREST MARGIN RATE / VOLUME ANALYSIS (1)

(Dollars in thousands)

(Unaudited)

	Quarterly Averages																		Year-to-Date Averages
	Dec. 31, 2009						Sep. 30, 2009						Dec. 31, 2008						Dec. 31, 2009						Dec. 31, 2008
	Balance			Yield			Balance			Yield			Balance			Yield			Balance			Yield			Balance			Yield
Earning assets
Investment securities	$	608,952			4.39	%	$	575,697			4.54	%	$	574,893			4.99	%	$	667,843			4.62	%	$	452,921			5.01	%
Interest-bearing deposits with other banks		447,999			0.18	%		136,210			0.25	%		1,737			1.37	%		151,198			0.14	%		18,603			3.40	%
Gross loans, including covered loans and indemnification asset (2)		5,208,281			6.58	%		3,426,059			5.57	%		2,690,895			5.60	%		3,530,432			5.73	%		2,661,546			6.01	%
Total earning assets		6,265,232			5.91	%		4,137,966			5.25	%		3,267,525			5.49	%		4,349,473			5.36	%		3,133,070			5.85	%
Nonearning assets
Allowance for loan and lease losses		(54,164	)					(42,034	)					(29,710	)					(42,553	)					(29,391	)
Cash and due from banks		274,601						107,216						87,307						133,611						86,265
Accrued interest and other assets		378,254						305,661						240,929						300,983						236,331
Total assets	$	6,863,923					$	4,508,809					$	3,566,051					$	4,741,514					$	3,426,275
Interest-bearing liabilities
Total interest-bearing deposits	$	4,781,908			1.43	%	$	3,065,377			1.49	%	$	2,367,121			2.02	%	$	3,171,496			1.50	%	$	2,400,136			2.42	%
Borrowed funds
Short-term borrowings		42,552			0.21	%		150,878			0.69	%		302,601			1.56	%		244,014			0.54	%		222,143			2.17	%
Long-term debt		408,744			2.53	%		205,908			3.81	%		151,434			3.66	%		224,475			3.18	%		78,776			3.67	%
Other long-term debt		20,620			6.20	%		20,620			6.21	%		20,620			6.96	%		20,620			5.83	%		20,620			6.72	%
Total borrowed funds		471,916			2.49	%		377,406			2.69	%		474,655			2.47	%		489,109			1.98	%		321,539			2.83	%
Total interest-bearing liabilities		5,253,824			1.52	%		3,442,783			1.62	%		2,841,776			2.09	%		3,660,605			1.56	%		2,721,675			2.47	%
Noninterest-bearing liabilities
Noninterest-bearing demand deposits		768,573						543,320						412,644						539,336						397,267
Other liabilities		161,686						41,867						25,049						67,780						27,624
Shareholders' equity		679,840						480,839						286,582						473,793						279,709
Total liabilities & shareholders' equity	$	6,863,923					$	4,508,809					$	3,566,051					$	4,741,514					$	3,426,275
Net interest income (1)	$	73,182					$	40,664					$	30,129					$	175,983					$	116,202
Net interest spread (1)					4.39	%					3.63	%					3.40	%					3.80	%					3.39	%
Net interest margin (1)					4.63	%					3.90	%					3.67	%					4.05	%					3.71	%

(1) Not tax equivalent.

(2) Loans held for sale, nonaccrual loans, covered loans, and indemnification asset are included in gross loans.

- 20 -

FIRST FINANCIAL BANCORP.

NET INTEREST MARGIN RATE / VOLUME ANALYSIS (1)

(Dollars in thousands)

(Unaudited)

	Linked Qtr. Income Variance									Comparable Qtr. Income Variance									Year-to-Date Income Variance
	Rate			Volume			Total			Rate			Volume			Total			Rate			Volume		Total
Earning assets
Investment securities	$	(219	)	$	368		$	149		$	(851	)	$	377		$	(474	)	$	(1,753	)	$	9,934	$	8,181
Interest-bearing deposits with other banks		63			145			208			(5	)		207			202			(607	)		182		(425	)
Gross loans, including covered loans and indemnification asset (2)		8,709			29,564			38,273			6,773			41,758			48,531			(7,585	)		49,752		42,167
Total earning assets		8,553			30,077			38,630			5,917			42,342			48,259			(9,945	)		59,868		49,923
Interest-bearing liabilities
Total interest-bearing deposits	$	(460	)	$	6,177		$	5,717		$	(3,497	)	$	8,689		$	5,192		$	(21,989	)	$	11,572	$	(10,417	)
Borrowed funds
Short-term borrowings		(179	)		(59	)		(238	)		(1,022	)		(141	)		(1,163	)		(3,628	)		118		(3,510	)
Long-term debt		(662	)		1,296			634			(428	)		1,644			1,216			(385	)		4,638		4,253
Other long-term debt		(1	)		-			(1	)		(39	)		-			(39	)		(184	)		-		(184	)
Total borrowed funds		(842	)		1,237			395			(1,489	)		1,503			14			(4,197	)		4,756		559
Total interest-bearing liabilities		(1,302	)		7,414			6,112			(4,986	)		10,192			5,206			(26,186	)		16,328		(9,858	)
Net interest income (1)	$	9,855		$	22,663		$	32,518		$	10,903		$	32,150		$	43,053		$	16,241		$	43,540	$	59,781

(1) Not tax equivalent.

(2) Loans held for sale, nonaccrual loans, covered loans, and indemnification asset are included in gross loans.

- 21 -

FIRST FINANCIAL BANCORP.

CREDIT QUALITY

(excluding covered assets)

(Dollars in thousands)

(Unaudited)

	Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,			Dec. 31,			Full Year			Full Year
	2009			2009			2009			2009			2008			2009			2008
ALLOWANCE FOR LOAN AND LEASE LOSS ACTIVITY
Balance at beginning of period	$	55,770		$	38,649		$	36,437		$	35,873		$	30,353			35,873		$	29,057
Provision for loan and lease losses		14,812			26,655			10,358			4,259			10,475			56,084			19,410
Gross charge-offs
Commercial		1,143			2,924			4,707			2,521			2,168			11,295			5,227
Real estate - construction		6,788			4,552			1,340			0			0			12,680			0
Real estate - commercial		1,854			927			1,351			382			2,083			4,514			3,526
Real estate - residential		262			471			351			231			47			1,315			648
Installment		449			315			304			400			493			1,468			1,963
Home equity		1,105			382			332			218			238			2,037			1,549
All other		454			492			386			308			374			1,640			1,724
Total gross charge-offs		12,055			10,063			8,771			4,060			5,403			34,949			14,637
Recoveries
Commercial		148			91			333			60			165			632			654
Real estate - construction		0			0			0			0			0			0			0
Real estate - commercial		360			167			14			16			40			557			99
Real estate - residential		3			2			20			2			5			27			25
Installment		195			205			203			254			189			857			975
Home equity		6			9			1			0			0			16			30
All other		72			55			54			33			49			214			260
Total recoveries		784			529			625			365			448			2,303			2,043
Total net charge-offs		11,271			9,534			8,146			3,695			4,955			32,646			12,594
Ending allowance for loan and lease losses	$	59,311		$	55,770		$	38,649		$	36,437		$	35,873			59,311		$	35,873
NET CHARGE-OFFS TO AVERAGE LOANS AND LEASES (ANNUALIZED)
Commercial		0.47	%		1.31	%		2.08	%		1.21	%		0.98	%		1.27	%		0.57	%
Real estate - construction		10.48	%		6.90	%		2.09	%		0.00	%		0.00	%		4.98	%		0.00	%
Real estate - commercial		0.57	%		0.30	%		0.62	%		0.17	%		0.98	%		0.42	%		0.44	%
Real estate - residential		0.31	%		0.56	%		0.38	%		0.25	%		0.04	%		0.37	%		0.13	%
Installment		1.15	%		0.50	%		0.45	%		0.62	%		1.18	%		0.68	%		0.85	%
Home equity		1.31	%		0.47	%		0.44	%		0.30	%		0.34	%		0.65	%		0.57	%
All other		5.40	%		6.35	%		5.00	%		4.18	%		4.79	%		5.25	%		5.52	%
Total net charge-offs		1.53	%		1.31	%		1.19	%		0.55	%		0.73	%		1.16	%		0.47	%
COMPONENTS OF NONPERFORMING LOANS, NONPERFORMING ASSETS, AND UNDERPERFORMING ASSETS
Nonaccrual loans
Commercial	$	13,756		$	13,244		$	8,100		$	8,412		$	5,930		$	13,756		$	5,930
Real estate - construction		35,604			26,575			11,936			240			240			35,604			240
Real estate - commercial		15,320			12,407			10,130			9,170			4,779			15,320			4,779
Real estate - residential		3,993			5,253			4,897			4,724			5,363			3,993			5,363
Installment		660			493			394			464			459			660			459
Home equity		2,324			2,534			2,136			1,681			1,204			2,324			1,204
All other		0			0			0			0			6			0			6
Total nonaccrual loans		71,657			60,506			37,593			24,691			17,981			71,657			17,981
Restructured loans		6,125			3,102			197			201			204			6,125			204
Total nonperforming loans		77,782			63,608			37,790			24,892			18,185			77,782			18,185
Other real estate owned (OREO)		4,145			4,301			5,166			3,513			4,028			4,145			4,028
Total nonperforming assets		81,927			67,909			42,956			28,405			22,213			81,927			22,213
Accruing loans past due 90 days or more		417			308			318			255			138			417			138
Total underperforming assets	$	82,344		$	68,217		$	43,274		$	28,660		$	22,351		$	82,344		$	22,351
Total classified assets	$	163,451		$	137,288		$	106,315		$	79,256		$	67,393		$	163,451		$	67,393
CREDIT QUALITY RATIOS
Allowance for loan and lease losses to
Nonaccrual loans		82.77	%		92.17	%		102.81	%		147.57	%		199.51	%		82.77	%		199.51	%
Nonperforming loans		76.25	%		87.68	%		102.27	%		146.38	%		197.27	%		76.25	%		197.27	%
Total ending loans		2.05	%		1.94	%		1.34	%		1.33	%		1.34	%		2.05	%		1.34	%
Nonperforming loans to total loans		2.69	%		2.21	%		1.31	%		0.91	%		0.68	%		2.69	%		0.68	%
Nonperforming assets to
Ending loans, plus OREO		2.83	%		2.36	%		1.48	%		1.04	%		0.83	%		2.83	%		0.83	%
Total assets		1.23	%		0.94	%		1.14	%		0.75	%		0.60	%		1.23	%		0.60	%

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FIRST FINANCIAL BANCORP.

CAPITAL ADEQUACY

(Dollars in thousands)

(Unaudited)

																Twelve months ended,
	Dec. 31,			Sep. 30,			Jun. 30,			Mar. 31,			Dec. 31,			Dec. 31,			Dec. 31,
	2009			2009			2009			2009			2008			2009			2008
PER COMMON SHARE
Market Price
High	$	15.48		$	12.07		$	11.92		$	12.10		$	14.30		$	15.48		$	14.80
Low	$	11.83		$	7.52		$	7.35		$	5.58		$	10.81		$	5.58		$	8.10
Close	$	14.56		$	12.05		$	7.53		$	9.53		$	12.39		$	14.56		$	12.39
Average common shares outstanding - basic		51,030,661			51,027,887			40,734,254			37,142,531			37,133,725			45,028,640			37,112,065
Average common shares outstanding - diluted		51,653,562			51,457,189			41,095,949			37,840,954			37,567,032			45,556,868			37,484,198
Ending common shares outstanding		51,433,821			51,431,422			51,434,346			37,474,422			37,481,201			51,433,821			37,481,201
REGULATORY CAPITAL	Preliminary															Preliminary
Tier 1 Capital	$	654,223		$	644,988		$	454,243		$	358,834		$	356,307		$	654,223		$	356,307
Tier 1 Ratio		16.74	%		16.06	%		14.77	%		12.16	%		12.38	%		16.74	%		12.38	%
Total Capital	$	703,323		$	695,420		$	492,696		$	395,271		$	392,180		$	703,323		$	392,180
Total Capital Ratio		18.00	%		17.32	%		16.02	%		13.39	%		13.62	%		18.00	%		13.62	%
Total Capital in excess of minimum requirement	$	390,665		$	374,219		$	246,613		$	159,133		$	161,896		$	390,665		$	161,896
Total Risk-Weighted Assets	$	3,908,225		$	4,015,018		$	3,076,042		$	2,951,721		$	2,878,548		$	3,908,225		$	2,878,548
Leverage Ratio		9.57	%		14.41	%		12.02	%		9.51	%		10.00	%		9.57	%		10.00	%
OTHER CAPITAL RATIOS
Ending shareholders' equity to ending assets		10.11	%		9.24	%		11.81	%		9.29	%		9.42	%		10.11	%		9.42	%
Ending common shareholders' equity to ending assets		8.92	%		8.16	%		9.74	%		7.24	%		7.31	%		8.92	%		7.31	%
Ending tangible shareholders' equity to ending tangible assets		9.30	%		8.48	%		11.14	%		8.60	%		8.70	%		9.30	%		8.70	%
Ending tangible common shareholders' equity to ending tangible assets		8.10	%		7.40	%		9.06	%		6.54	%		6.57	%		8.10	%		6.57	%
Average shareholders' equity to average assets		9.90	%		10.66	%		10.04	%		9.29	%		8.04	%		9.99	%		8.16	%
Average common shareholders' equity to average assets		8.76	%		8.93	%		7.98	%		7.22	%		7.82	%		8.34	%		8.11	%
Average tangible shareholders' equity  to average tangible assets		9.12	%		9.46	%		9.35	%		8.59	%		7.28	%		8.85	%		7.37	%
Average tangible common shareholders' equity to average tangible assets		7.96	%		7.70	%		7.27	%		6.51	%		7.05	%		7.18	%		7.31	%

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