FIRST FINANCIAL BANCORP OH

For the period ended Sep 30, 2024. Filed Nov 7, 2024.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2024 · Filed Nov 7, 2024

FFBC$33.01+1.4%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Table of Content

FIRST FINANCIAL BANCORP.

INDEX

	Page No.
Part I - FINANCIAL INFORMATION
Item 1 - Financial Statements
Consolidated Balance Sheets - September 30, 2024 (unaudited) and December 31, 2023	1
Consolidated Statements of Income - Three and Nine Months Ended September 30, 2024 and 2023 (unaudited)	2
Consolidated Statements of Comprehensive Income (Loss) - Three and Nine Months Ended September 30, 2024 and 2023 (unaudited)	3
Consolidated Statements of Changes in Shareholders’ Equity - Three and Nine Months Ended September 30, 2024 and 2023 (unaudited)	5
Consolidated Statements of Cash Flows - Nine Months Ended September 30, 2024 and 2023 (unaudited)	6
Notes to Consolidated Financial Statements (unaudited)	8
Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations	49
Item 3 - Quantitative and Qualitative Disclosures about Market Risk	72
Item 4 - Controls and Procedures	72
Part II - OTHER INFORMATION
Item 1 - Legal Proceedings	73
Item 1A - Risk Factors	73
Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds	73
Item 5 - Other Information	73
Item 6 - Exhibits	74
Signatures	75

Glossary of Abbreviations and Acronyms

First Financial has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations.

ACL or Allowance	Allowance for credit losses	FRB	Federal Reserve Bank
AFS	Available-for-sale	FTE	Fully tax equivalent
Agile	Agile Premium Finance	GAAP	U.S. Generally Accepted Accounting Principles
AOCI	Accumulated other comprehensive income	HTC	Historic tax credit
ASC	Accounting standards codification	HTM	Held-to-maturity
ASU	Accounting standards update	Insignificant	Less than $0.1 million
Bank	First Financial Bank	IRLC	Interest rate lock commitment
Basel III	Basel Committee regulatory capital reforms, Third Basel Accord	LGD	Loss given default
Bannockburn	Bannockburn Global Forex	LIHTC	Low income housing tax credit
Bp/bps	Basis point(s)	MD&A	Management's Discussion and Analysis of Financial Condition and Results of Operations
BOLI	Bank owned life insurance	MSFG	MainSource Financial Group, Inc.
CDs	Certificates of deposit	N/A	Not applicable
C&I	Commercial & industrial	NII	Net interest income
CRE	Commercial real estate	NMTC	New market tax credit
Company	First Financial Bancorp.	OREO	Other real estate owned
CFTF	Contingency Funding Task Force	PAM	Proportional amortization method
DDA	Demand deposit account	PCA	Prompt corrective action
Dodd-Frank	Dodd–Frank Wall Street Reform and Consumer Protection Act	PCD	Purchased credit deteriorated
ERM	Enterprise risk management	R&S	Reasonable and supportable
EVE	Economic value of equity	ROU	Right-of-use
Fair Value Topic	FASB ASC Topic 820, Fair Value Measurement	SEC	U.S. Securities and Exchange Commission
FASB	Financial Accounting Standards Board	Summit	Summit Funding Group, Inc.
FDIC	Federal Deposit Insurance Corporation	SOFR	Secured Overnight Financing Rate
FDM	Financial difficulty modification	Topic 842	FASB ASC Topic 842, Leasing
FHLB	Federal Home Loan Bank	TDR	Troubled debt restructuring
FINRA	Financial Industry Regulatory Authority	USD	United States dollars
First Financial	First Financial Bancorp.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.