10-Q 1 ffbc-20220930.htm 10-Q ffbc-20220930
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D.C.  20549

FORM 10-Q


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

For the quarterly period ended                                           September 30, 2022                                                   

OR

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

For the transition period from ____________________ to ____________________

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

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

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

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

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

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

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

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

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date. The registrant has one class of common stock (no par value) with 94,839,605 shares outstanding at November 3, 2022.

FIRST FINANCIAL BANCORP.

INDEX

 Page No.
  
 
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  


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.

ABLAsset backed lendingFRBFederal Reserve Bank
ACLAllowance for credit lossesFTEFully tax equivalent
AFSAvailable-for-saleGAAPU.S. Generally Accepted Accounting Principles
AllowanceCollectively or individually, Allowance for credit lossesHTCHistoric tax credit
AOCIAccumulated other comprehensive incomeHTMHeld-to-maturity
ASCAccounting standards codificationInsignificantLess than $0.1 million
ASUAccounting standards updateIRLCInterest rate lock commitment
BankFirst Financial BankLGDLoss Given Default
Basel IIIBasel Committee regulatory capital reforms, Third Basel AccordLIHTCLow income housing tax credit
BGF or BannockburnBannockburn Global Forex, LLCMD&A
Management's Discussion and Analysis of Financial Condition and Results of Operations
Bp/bpsBasis point(s)MSFGMainSource Financial Group, Inc.
BOLIBank owned life insuranceN/ANot applicable
CARES ActCoronavirus Aid, Relief, and Economic Security ActNIINet interest income
CDsCertificates of depositNMTCNew market tax credit
C&ICommercial & industrialOREOOther real estate owned
CRECommercial real estatePCAPrompt corrective action
CompanyFirst Financial Bancorp.PCDPurchased credit deteriorated
DDADemand deposit accountPPPPaycheck Protection Program
Dodd-FrankDodd–Frank Wall Street Reform and Consumer Protection ActR&SReasonable and Supportable
ERMEnterprise risk managementROURight-of-use
EVEEconomic value of equitySABStaff Accounting Bulletin
Fair Value TopicFASB ASC Topic 820, Fair Value MeasurementSECU.S. Securities and Exchange Commission
FASBFinancial Accounting Standards BoardSFG or SummitSummit Funding Group, Inc.
FDICFederal Deposit Insurance CorporationSOFRSecured Overnight Financing Rate
FHLBFederal Home Loan BankTopic 842FASB ASC Topic 842, Leasing
First FinancialFirst Financial Bancorp.TDRTroubled debt restructuring
Form 10-KFirst Financial Bancorp. Annual Report on Form 10-KUSDUnited States dollars



PART I - FINANCIAL INFORMATION
ITEM I - FINANCIAL STATEMENTS
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands)
September 30,
2022		December 31,
2021
 (Unaudited) 
Assets  
Cash and due from banks$195,553 $220,031 
Interest-bearing deposits with other banks338,978 214,811 
Investment securities available-for-sale, at fair value (amortized cost $3,959,270 at September 30, 2022 and $4,180,589 at December 31, 2021)
3,531,353 4,207,846 
Investment securities held-to-maturity (fair value $78,924 at September 30, 2022 and $99,898 at December 31, 2021)85,823 98,420 
Other investments138,767 102,971 
Loans held for sale, at fair value10,684 29,482 
Loans and leases
Commercial & industrial3,139,219 2,720,028 
Lease financing176,072 109,624 
Construction real estate489,446 455,894 
Commercial real estate3,976,345 4,226,614 
Residential real estate1,024,596 896,069 
Home equity737,318 708,399 
Installment202,267 119,454 
Credit card52,173 52,217 
Total loans and leases9,797,436 9,288,299 
Less: Allowance for credit losses(124,096)(131,992)
Net loans and leases9,673,340 9,156,307 
Premises and equipment189,067 193,040 
Operating leases84,851 60,811 
Goodwill998,422 1,000,749 
Other intangibles96,528 104,367 
Accrued interest and other assets1,280,427 940,306 
Total assets$16,623,793 $16,329,141 
Liabilities  
Deposits  
Interest-bearing demand$2,980,465 $3,198,745 
Savings3,980,020 4,157,374 
Time1,242,412 1,330,263 
Total interest-bearing deposits8,202,897 8,686,382 
Noninterest-bearing4,137,038 4,185,572 
Total deposits12,339,935 12,871,954 
Federal funds purchased and securities sold under agreements to repurchase3,535 51,203 
FHLB short-term borrowings972,600 225,000 
Other short-term borrowings184,912 20,000 
Total short-term borrowings1,161,047 296,203 
Long-term debt355,116 409,832 
Total borrowed funds1,516,163 706,035 
Accrued interest and other liabilities773,563 492,210 
Total liabilities14,629,661 14,070,199 
Shareholders' equity  
Common stock - no par value  
Authorized - 160,000,000 shares; Issued - 104,281,794 shares at both September 30, 2022 and December 31, 20211,631,696 1,640,358 
Retained earnings920,943 837,473 
Accumulated other comprehensive income (loss)(354,570)(433)
Treasury stock, at cost, 9,447,830 shares at September 30, 2022 and 10,132,554 shares at December 31, 2021
(203,937)(218,456)
Total shareholders' equity1,994,132 2,258,942 
Total liabilities and shareholders' equity$16,623,793 $16,329,141 
See Notes to Consolidated Financial Statements.
1
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Dollars in thousands, except per share data)
(Unaudited)
Three months endedNine months ended
September 30,September 30,
 2022202120222021
Interest income  
Loans and leases, including fees$122,170 $96,428 $306,443 $292,853 
Investment securities
Taxable26,331 20,088 72,066 58,219 
Tax-exempt5,014 4,282 14,361 14,196 
Total interest on investment securities31,345 24,370 86,427 72,415 
Other earning assets1,597 23 2,222 76 
Total interest income155,112 120,821 395,092 365,344 
Interest expense  
Deposits6,386 3,320 11,972 11,346 
Short-term borrowings6,158 68 8,041 188 
Long-term borrowings4,676 4,023 13,832 12,498 
Total interest expense17,220 7,411 33,845 24,032 
Net interest income137,892 113,410 361,247 341,312 
Provision for credit losses - loans and leases 7,898 (8,193)(1,958)(9,499)
Provision for credit losses - unfunded commitments 386 (1,951)3,641 (896)
Net interest income after provision for credit losses129,608 123,554 359,564 351,707 
Noninterest income  
Service charges on deposit accounts6,279 8,548 21,656 23,231 
Trust and wealth management fees5,487 5,896 17,858 17,742 
Bankcard income3,484 3,838 10,644 10,698 
Client derivative fees1,447 2,273 3,619 5,624 
Foreign exchange income11,752 9,191 35,373 31,985 
Leasing business income7,127 0 20,450 0 
Net gain from sales of loans3,729 8,586 12,842 26,529 
Net gain (loss) on sales of investment securities(179)(314)(176)(745)
Net gain (loss) on equity securities(701)108 (1,954)381 
Other4,109 4,411 13,294 10,401 
Total noninterest income42,534 42,537 133,606 125,846 
Noninterest expenses  
Salaries and employee benefits66,808 61,717 195,747 183,754 
Net occupancy5,669 5,571 16,774 16,810 
Furniture and equipment3,222 3,318 9,990 10,658 
Data processing8,497 7,951 25,095 23,102 
Marketing2,523 2,435 6,546 5,831 
Communication657 669 1,993 2,253 
Professional services2,346 2,199 6,719 5,678 
State intangible tax1,090 1,202 3,311 3,605 
FDIC assessments1,885 1,466 5,021 4,177 
Intangible assets amortization2,783 2,479 8,612 7,438 
Leasing business expense5,746 0 14,302 0 
Other23,842 10,051 36,797 27,901 
Total noninterest expenses125,068 99,058 330,907 291,207 
Income before income taxes47,074 67,033 162,263 186,346 
Income tax (benefit) expense(8,631)7,021 13,737 28,131 
Net income$55,705 $60,012 $148,526 $158,215 
Net earnings per common share - basic$0.60 $0.64 $1.59 $1.65 
Net earnings per common share - diluted$0.59 $0.63 $1.57 $1.64 
Average common shares outstanding - basic93,582,250 94,289,097 93,507,831 95,752,759 
Average common shares outstanding - diluted94,793,766 95,143,930 94,504,453 96,617,600 
See Notes to Consolidated Financial Statements.
2
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(Dollars in thousands)
(Unaudited)
Three months endedNine months ended
September 30,September 30,
2022202120222021
Net income$55,705 $60,012 $148,526 $158,215 
Other comprehensive income (loss), net of tax:
Unrealized gain (loss) on debt securities arising during the period(111,433)(16,943)(354,912)(35,693)
Change in retirement obligation261 438 861 1,259 
Unrealized gain (loss) on foreign currency exchange(70)0 (86)0 
Other comprehensive income (loss) (111,242)(16,505)(354,137)(34,434)
Comprehensive income (loss)$(55,537)$43,507 $(205,611)$123,781 
                   See Notes to Consolidated Financial Statements.

3
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
Third Quarter
(Dollars in thousands except per share data)
(Unaudited)
 Common StockRetainedAccumulated other comprehensiveTreasury stock 
 SharesAmountEarningsincome (loss)SharesAmountTotal
Balance at July 1, 2021104,281,794 $1,635,470 $773,857 $30,735 (8,082,285)$(170,555)$2,269,507 
Net income 60,012 60,012 
Other comprehensive income (loss)(16,505)(16,505)
Cash dividends declared:
Common stock at $0.23 per share(21,787)(21,787)
Purchase of common stock(2,484,295)(57,231)(57,231)
Restricted stock awards, net of forfeitures(638)27,583 579 (59)
Share-based compensation expense2,233 2,233 
Balance at September 30, 2021104,281,794 $1,637,065 $812,082 $14,230 (10,538,997)$(227,207)$2,236,170 
Balance at July 1, 2022104,281,794 $1,637,237 $887,006 $(243,328)(9,833,002)$(212,245)$2,068,670 
Net income55,705 55,705 
Other comprehensive income (loss)(111,242)(111,242)
Cash dividends declared:
Common stock at $0.23 per share(21,768)(21,768)
Restricted stock awards, net of forfeitures(8,420)385,172 8,308 (112)
Share-based compensation expense2,879 2,879 
Balance at September 30, 2022104,281,794 $1,631,696 $920,943 $(354,570)(9,447,830)$(203,937)$1,994,132 

See Notes to Consolidated Financial Statements.

4
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
Year-to-date
(Dollars in thousands except per share data)
(Unaudited)
 Common StockRetainedAccumulated other comprehensiveTreasury stock 
 SharesAmountEarningsincome (loss)SharesAmountTotal
Balance at January 1, 2021104,281,794 $1,638,947 $720,429 $48,664 (6,259,865)$(125,970)$2,282,070 
Net income 158,215 158,215 
Other comprehensive income (loss)(34,434)(34,434)
Cash dividends declared:
Common stock at $0.69 per share(66,562)(66,562)
Purchase of common stock(4,633,355)(108,077)(108,077)
Exercise of stock options, net of shares purchased(36)3,468 70 34 
Restricted stock awards, net of forfeitures(9,414)350,755 6,770 (2,644)
Share-based compensation expense7,568 7,568 
Balance at September 30, 2021104,281,794 $1,637,065 $812,082 $14,230 (10,538,997)$(227,207)$2,236,170 
Balance at January 1, 2022104,281,794 $1,640,358 $837,473 $(433)(10,132,554)$(218,456)$2,258,942 
Net income148,526 148,526 
Other comprehensive income (loss)(354,137)(354,137)
Cash dividends declared:
Common stock at $0.69 per share(65,056)(65,056)
Exercise of stock options, net of shares purchased(160)15,660 337 177 
Restricted stock awards, net of forfeitures(17,209)669,064 14,182 (3,027)
Share-based compensation expense8,707 8,707 
Balance at September 30, 2022104,281,794 $1,631,696 $920,943 $(354,570)(9,447,830)$(203,937)$1,994,132 

See Notes to Consolidated Financial Statements.
5
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Dollars in thousands)
(Unaudited)
Nine months ended
September 30,
 20222021
Operating activities  
Net income$148,526 $158,215 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recapture of) credit losses1,683 (10,395)
Depreciation and amortization23,845 24,307 
Stock-based compensation expense8,707 7,568 
Pension expense (income)1,590 2,530 
Net amortization (accretion) on investment securities10,544 23,828 
Net (gain) loss on sales of investment securities176 745 
Net (gain) loss from equity securities1,954 (381)
Originations of loans held for sale(311,143)(618,904)
Net gains from sales of loans held for sale(12,842)(26,529)
Proceeds from sales of loans held for sale317,852 644,405 
Deferred income taxes9,418 7,238 
Amortization of operating leases5,709 5,532 
Payments for operating leases(5,865)(5,203)
Decrease (increase) cash surrender value of life insurance(1,559)(1,428)
Decrease (increase) in interest receivable(6,697)4,833 
(Decrease) increase in interest payable2,069 (1,432)
Decrease (increase) in other assets(281,714)93,701 
(Decrease) increase in other liabilities261,953 (25,633)
Net cash provided by (used in) operating activities174,206 282,997 
Investing activities  
Proceeds from sales of securities available-for-sale116,796 361,736 
Proceeds from calls, paydowns and maturities of securities available-for-sale594,016 850,248 
Purchases of securities available-for-sale(454,759)(1,923,277)
Proceeds from calls, paydowns and maturities of securities held-to-maturity12,790 29,036 
Purchases of securities held-to-maturity0 (1,000)
Purchases of other investment securities(37,758)(6,655)
Proceeds from calls, paydowns and maturities of other securities8 42,403 
Net decrease (increase) in interest-bearing deposits with other banks(124,167)(9,494)
Net decrease (increase) in loans and leases(490,687)530,960 
Proceeds from disposal of other real estate owned170 1,036 
Purchases of premises and equipment(9,762)(10,603)
Net change in operating leases(22,574)0 
Life insurance death benefits4,676 1,047 
Net cash provided by (used in) investing activities(411,251)(134,563)
Financing activities  
Net (decrease) increase in total deposits(532,019)445,378 
Net (decrease) increase in short-term borrowings864,844 22,256 
Payments on long-term debt(55,369)(463,382)
Cash dividends paid on common stock(65,066)(65,949)
Treasury stock purchase0 (108,077)
Proceeds from exercise of stock options177 34 
Net cash provided by (used in) financing activities212,567 (169,740)
Cash and due from banks  
Change in cash and due from banks(24,478)(21,306)
Cash and due from banks at beginning of period220,031 231,054 
Cash and due from banks at end of period$195,553 $209,748