10-Q 1 ffbc-20220630.htm 10-Q ffbc-20220630
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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                                           June 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 94,873,937 shares outstanding at August 4, 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)
June 30,
2022
December 31,
2021
 (Unaudited) 
Assets  
Cash and due from banks$302,549 $220,031 
Interest-bearing deposits with other banks184,974 214,811 
Investment securities available-for-sale, at fair value (amortized cost $4,128,546 at June 30, 2022 and $4,180,589 at December 31, 2021)
3,843,580 4,207,846 
Investment securities held-to-maturity (fair value $83,990 at June 30, 2022 and $99,898 at December 31, 2021)88,057 98,420 
Other investments132,151 102,971 
Loans held for sale, at fair value22,044 29,482 
Loans and leases
Commercial & industrial2,927,175 2,720,028 
Lease financing146,639 109,624 
Construction real estate449,734 455,894 
Commercial real estate4,007,037 4,226,614 
Residential real estate965,387 896,069 
Home equity725,700 708,399 
Installment146,680 119,454 
Credit card52,065 52,217 
Total loans and leases9,420,417 9,288,299 
Less: Allowance for credit losses(117,885)(131,992)
Net loans and leases9,302,532 9,156,307 
Premises and equipment191,099 193,040 
Operating leases82,659 60,811 
Goodwill999,959 1,000,749 
Other intangibles82,889 88,898 
Accrued interest and other assets1,011,221 955,775 
Total assets$16,243,714 $16,329,141 
Liabilities  
Deposits  
Interest-bearing demand$3,096,365 $3,198,745 
Savings4,029,717 4,157,374 
Time1,026,918 1,330,263 
Total interest-bearing deposits8,153,000 8,686,382 
Noninterest-bearing4,124,111 4,185,572 
Total deposits12,277,111 12,871,954 
Federal funds purchased and securities sold under agreements to repurchase0 51,203 
FHLB short-term borrowings896,000 225,000 
Other short-term borrowings0 20,000 
Total short-term borrowings896,000 296,203 
Long-term debt358,578 409,832 
Total borrowed funds1,254,578 706,035 
Accrued interest and other liabilities643,355 492,210 
Total liabilities14,175,044 14,070,199 
Shareholders' equity  
Common stock - no par value  
Authorized - 160,000,000 shares; Issued - 104,281,794 shares at both June 30, 2022 and December 31, 20211,637,237 1,640,358 
Retained earnings887,006 837,473 
Accumulated other comprehensive income (loss)(243,328)(433)
Treasury stock, at cost, 9,833,002 shares at June 30, 2022 and 10,132,554 shares at December 31, 2021
(212,245)(218,456)
Total shareholders' equity2,068,670 2,258,942 
Total liabilities and shareholders' equity$16,243,714 $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 endedSix months ended
June 30,June 30,
 2022202120222021
Interest income  
Loans and leases, including fees$97,091 $97,494 $184,273 $196,425 
Investment securities
Taxable23,639 19,524 45,735 38,131 
Tax-exempt4,916 4,871 9,347 9,914 
Total interest on investment securities28,555 24,395 55,082 48,045 
Other earning assets497 25 618 53 
Total interest income126,143 121,914 239,973 244,523 
Interest expense  
Deposits2,963 3,693 5,586 8,026 
Short-term borrowings1,373 53 1,690 120 
Long-term borrowings4,612 4,142 9,156 8,475 
Total interest expense8,948 7,888 16,432 16,621 
Net interest income117,195 114,026 223,541 227,902 
Provision for credit losses - loans and leases (4,267)(4,756)(9,856)(1,306)
Provision for credit losses - unfunded commitments 3,481 517 3,255 1,055 
Net interest income after provision for credit losses117,981 118,265 230,142 228,153 
Noninterest income  
Service charges on deposit accounts7,648 7,537 15,377 14,683 
Trust and wealth management fees6,311 6,216 12,371 11,846 
Bankcard income3,823 3,732 7,160 6,860 
Client derivative fees1,353 1,795 2,152 3,351 
Foreign exchange income13,470 12,037 23,621 22,794 
Leasing business income7,247 0 13,323 0 
Net gain from sales of loans5,241 8,489 9,113 17,943 
Net gain (loss) on sales/transfers of investment securities0 (265)3 (431)
Net gain (loss) on equity securities(1,054)161 (1,253)273 
Other5,747 3,285 9,212 5,990 
Total noninterest income49,786 42,987 91,079 83,309 
Noninterest expenses  
Salaries and employee benefits64,992 60,784 128,939 122,037 
Net occupancy5,359 5,535 11,105 11,239 
Furniture and equipment3,201 3,371 6,768 7,340 
Data processing8,334 7,864 16,598 15,151 
Marketing2,323 2,035 4,023 3,396 
Communication670 746 1,336 1,584 
Professional services2,214 2,029 4,373 3,479 
State intangible tax1,090 1,201 2,221 2,403 
FDIC assessments1,677 1,362 3,136 2,711 
Intangible assets amortization2,915 2,480 5,829 4,959 
Leasing business expense4,687 0 8,556 0 
Other5,765 12,236 13,148 17,850 
Total noninterest expenses103,227 99,643 206,032 192,149 
Income before income taxes64,540 61,609 115,189 119,313 
Income tax expense13,020 10,721 22,368 21,110 
Net income$51,520 $50,888 $92,821 $98,203 
Net earnings per common share - basic$0.55 $0.53 $0.99 $1.02 
Net earnings per common share - diluted$0.55 $0.52 $0.98 $1.01 
Average common shares outstanding - basic93,555,131 96,123,645 93,470,005 96,496,720 
Average common shares outstanding - diluted94,449,817 97,009,712 94,357,392 97,366,640 
See Notes to Consolidated Financial Statements.
2

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(Dollars in thousands)
(Unaudited)
Three months endedSix months ended
June 30,June 30,
2022202120222021
Net income$51,520 $50,888 $92,821 $98,203 
Other comprehensive income (loss), net of tax:
Unrealized gain (loss) on debt securities arising during the period(101,078)12,218 (243,479)(18,750)
Change in retirement obligation254 416 600 821 
Unrealized gain (loss) on foreign currency exchange(27)0 (16)0 
Other comprehensive income (loss) (100,851)12,634 (242,895)(17,929)
Comprehensive income (loss)$(49,331)$63,522 $(150,074)$80,274 
                   See Notes to Consolidated Financial Statements.

3

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
Second Quarter
(Dollars in thousands except per share data)
(Unaudited)
 Common StockRetainedAccumulated other comprehensiveTreasury stock 
 SharesAmountEarningsincome (loss)SharesAmountTotal
Balance at April 1, 2021104,281,794 $1,633,137 $745,220 $18,101 (6,764,101)$(137,516)$2,258,942 
Net income 50,888 50,888 
Other comprehensive income (loss)12,634 12,634 
Cash dividends declared:
Common stock at $0.23 per share(22,251)(22,251)
Purchase of common stock(1,308,945)(32,864)(32,864)
Restricted stock awards, net of forfeitures(160)(9,239)(175)(335)
Share-based compensation expense2,493 2,493 
Balance at June 30, 2021104,281,794 $1,635,470 $773,857 $30,735 (8,082,285)$(170,555)$2,269,507 
Balance at April 1, 2022104,281,794 $1,634,903 $857,178 $(142,477)(9,830,298)$(212,159)$2,137,445 
Net income51,520 51,520 
Other comprehensive income (loss)(100,851)(100,851)
Cash dividends declared:
Common stock at $0.23 per share(21,692)(21,692)
Restricted stock awards, net of forfeitures13 (2,704)(86)(73)
Share-based compensation expense2,321 2,321 
Balance at June 30, 2022104,281,794 $1,637,237 $887,006 $(243,328)(9,833,002)$(212,245)$2,068,670 

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 98,203 98,203 
Other comprehensive income (loss)(17,929)(17,929)
Cash dividends declared:
Common stock at $0.46 per share(44,775)(44,775)
Purchase of common stock(2,149,060)(50,846)(50,846)
Exercise of stock options, net of shares purchased(36)3,468 70 34 
Restricted stock awards, net of forfeitures(8,776)323,172 6,191 (2,585)
Share-based compensation expense5,335 5,335 
Balance at June 30, 2021104,281,794 $1,635,470 $773,857 $30,735 (8,082,285)$(170,555)$2,269,507 
Balance at January 1, 2022104,281,794 $1,640,358 $837,473 $(433)(10,132,554)$(218,456)$2,258,942 
Net income92,821 92,821 
Other comprehensive income (loss)(242,895)(242,895)
Cash dividends declared:
Common stock at $0.46 per share(43,288)(43,288)
Exercise of stock options, net of shares purchased(160)15,660 337 177 
Restricted stock awards, net of forfeitures(8,789)283,892 5,874 (2,915)
Share-based compensation expense5,828 5,828 
Balance at June 30, 2022104,281,794 $1,637,237 $887,006 $(243,328)(9,833,002)$(212,245)$2,068,670 

See Notes to Consolidated Financial Statements.
5

FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Dollars in thousands)
(Unaudited)
Six months ended
June 30,
 20222021
Operating activities  
Net income$92,821 $98,203 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recapture of) credit losses(6,601)(251)
Depreciation and amortization16,107 16,281 
Stock-based compensation expense5,828 5,335 
Pension expense (income)1,179 1,695 
Net amortization (accretion) on investment securities7,630 18,989 
Net (gain) loss on sales of investment securities(3)431 
Net (gain) loss from equity securities1,253 (273)
Originations of loans held for sale(207,855)(423,914)
Net gains from sales of loans held for sale(9,113)(17,943)
Proceeds from sales of loans held for sale211,009 447,255 
Deferred income taxes10,086 5,863 
Amortization of operating leases3,802 3,701 
Payments for operating leases(3,902)(3,437)
Decrease (increase) cash surrender value of life insurance(1,085)(950)
Decrease (increase) in interest receivable(2,026)2,102 
(Decrease) increase in interest payable232 (1,720)
Decrease (increase) in other assets(32,908)93,861 
(Decrease) increase in other liabilities179,297 (39,569)
Net cash provided by (used in) operating activities265,751 205,659 
Investing activities  
Proceeds from sales of securities available-for-sale5,003 212,246 
Proceeds from calls, paydowns and maturities of securities available-for-sale443,254 550,239 
Purchases of securities available-for-sale(403,863)(1,394,143)
Proceeds from calls, paydowns and maturities of securities held-to-maturity10,500 20,371 
Purchases of securities held-to-maturity0 (1,000)
Purchases of other investment securities(30,441)(5,401)
Proceeds from calls, paydowns and maturities of other securities8 9,440 
Net decrease (increase) in interest-bearing deposits with other banks29,837 (18,305)
Net decrease (increase) in loans and leases(123,568)378,739 
Proceeds from disposal of other real estate owned170 1,036 
Purchases of premises and equipment(7,237)(5,163)
Net change in operating leases(20,358)0 
Life insurance death benefits3,502 303 
Net cash provided by (used in) investing activities(93,193)(251,638)
Financing activities  
Net (decrease) increase in total deposits(594,843)274,177 
Net (decrease) increase in short-term borrowings599,797 306,197 
Payments on long-term debt(51,634)(463,382)
Cash dividends paid on common stock(43,537)(44,337)
Treasury stock purchase0 (50,846)
Proceeds from exercise of stock options177 34 
Net cash provided by (used in) financing activities(90,040)21,843 
Cash and due from banks  
Change in cash and due from banks82,518 (24,136)
Cash and due from banks at beginning of period220,031 231,054 
Cash and due from banks at end of period$302,549 $206,918