10-Q 1 ffbc-20220331.htm 10-Q ffbc-20220331
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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                                           March 31, 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 94,442,505 shares outstanding at May 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 lendingFTEFully tax equivalent
ACLAllowance for credit lossesGAAPU.S. Generally Accepted Accounting Principles
AFSAvailable-for-saleHTCHistoric tax credit
AllowanceCollectively or individually, Allowance for credit lossesHTMHeld-to-maturity
AOCIAccumulated other comprehensive incomeInsignificantLess than $0.1 million
ASCAccounting standards codificationIRLCInterest rate lock commitment
ASUAccounting standards updateLGDLoss Given Default
BankFirst Financial BankLIHTCLow income housing tax credit
Basel IIIBasel Committee regulatory capital reforms, Third Basel AccordMD&A
Management's Discussion and Analysis of Financial Condition and Results of Operations
BGF or BannockburnBannockburn Global Forex, LLCMSFGMainSource Financial Group, Inc.
Bp/bpsBasis point(s)N/ANot applicable
BOLIBank owned life insuranceNIINet interest income
CARES ActCoronavirus Aid, Relief, and Economic Security ActNMTCNew market tax credit
CDsCertificates of depositOBSOff-balance sheet
C&ICommercial & industrialOREOOther real estate owned
CRECommercial real estatePCAPrompt corrective action
CompanyFirst Financial Bancorp.PCDPurchased credit deteriorated
DDADemand deposit accountPCIPurchase credit impaired
Dodd-FrankDodd–Frank Wall Street Reform and Consumer Protection ActPDProbability of default
EADExposure at DefaultPPPPaycheck Protection Program
ERMEnterprise risk managementPPPLFPaycheck Protection Program Liquidity Facility
EVEEconomic value of equityR&SReasonable and Supportable
Fair Value TopicFASB ASC Topic 820, Fair Value MeasurementROURight-of-use
FASBFinancial Accounting Standards BoardSECU.S. Securities and Exchange Commission
FDICFederal Deposit Insurance CorporationSFG or SummitSummit Funding Group, Inc.
FHLBFederal Home Loan BankSOFRSecured Overnight Financing Rate
First FinancialFirst Financial Bancorp.Topic 842FASB ASC Topic 842, Leasing
Form 10-KFirst Financial Bancorp. Annual Report on Form 10-KTDRTroubled debt restructuring
FRBFederal Reserve BankTTCThrough the cycle
USDUnited States dollars



PART I - FINANCIAL INFORMATION
ITEM I - FINANCIAL STATEMENTS
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands)
March 31,
2022		December 31,
2021
 (Unaudited) 
Assets  
Cash and due from banks$230,428 $220,031 
Interest-bearing deposits with other banks227,147 214,811 
Investment securities available-for-sale, at fair value (amortized cost $4,113,169 at March 31, 2022 and $4,180,589 at December 31, 2021)
3,957,882 4,207,846 
Investment securities held-to-maturity (fair value $90,001 at March 31, 2022 and $99,898 at December 31, 2021)
92,597 98,420 
Other investments114,563 102,971 
Loans held for sale, at fair value12,670 29,482 
Loans and leases
Commercial & industrial2,800,209 2,720,028 
Lease financing125,867 109,624 
Construction real estate479,744 455,894 
Commercial real estate4,031,484 4,226,614 
Residential real estate913,838 896,069 
Home equity707,973 708,399 
Installment132,197 119,454 
Credit card50,305 52,217 
Total loans and leases9,241,617 9,288,299 
Less: Allowance for credit losses(124,130)(131,992)
Net loans and leases9,117,487 9,156,307 
Premises and equipment190,975 193,040 
Operating leases87,432 73,857 
Goodwill999,959 1,000,749 
Other intangibles85,891 88,898 
Accrued interest and other assets892,119 942,729 
Total assets$16,009,150 $16,329,141 
Liabilities  
Deposits  
Interest-bearing demand$3,246,646 $3,198,745 
Savings4,188,867 4,157,374 
Time1,121,966 1,330,263 
Total interest-bearing deposits8,557,479 8,686,382 
Noninterest-bearing4,261,429 4,185,572 
Total deposits12,818,908 12,871,954 
Federal funds purchased and securities sold under agreements to repurchase0 51,203 
FHLB short-term borrowings185,000 225,000 
Other short-term borrowings0 20,000 
Total short-term borrowings185,000 296,203 
Long-term debt379,840 409,832 
Total borrowed funds564,840 706,035 
Accrued interest and other liabilities487,957 492,210 
Total liabilities13,871,705 14,070,199 
Shareholders' equity  
Common stock - no par value  
Authorized - 160,000,000 shares; Issued - 104,281,794 shares at both March 31, 2022 and December 31, 20211,634,903 1,640,358 
Retained earnings857,178 837,473 
Accumulated other comprehensive income (loss)(142,477)(433)
Treasury stock, at cost, 9,830,298 shares at March 31, 2022 and 10,132,554 shares at December 31, 2021
(212,159)(218,456)
Total shareholders' equity2,137,445 2,258,942 
Total liabilities and shareholders' equity$16,009,150 $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 ended
March 31,
 20222021
Interest income
Loans and leases, including fees$87,182 $98,931 
Investment securities
Taxable22,096 18,607 
Tax-exempt4,431 5,043 
Total interest on investment securities26,527 23,650 
Other earning assets121 28 
Total interest income113,830 122,609 
Interest expense
Deposits2,623 4,333 
Short-term borrowings317 67 
Long-term borrowings4,544 4,333 
Total interest expense7,484 8,733 
Net interest income106,346 113,876 
Provision for credit losses - loans and leases (5,589)3,450 
Provision for credit losses - unfunded commitments (226)538 
Net interest income after provision for credit losses112,161 109,888 
Noninterest income
Service charges on deposit accounts7,729 7,146 
Trust and wealth management fees6,060 5,630 
Bankcard income3,337 3,128 
Client derivative fees799 1,556 
Foreign exchange income10,151 10,757 
Leasing business income6,076 0 
Net gain from sales of loans3,872 9,454 
Net gain (loss) on sales/transfers of investment securities3 (166)
Net gain (loss) on equity securities(199)112 
Other3,465 2,705 
Total noninterest income41,293 40,322 
Noninterest expenses
Salaries and employee benefits63,947 61,253 
Net occupancy5,746 5,704 
Furniture and equipment3,567 3,969 
Data processing8,264 7,287 
Marketing1,700 1,361 
Communication666 838 
Professional services2,159 1,450 
State intangible tax1,131 1,202 
FDIC assessments1,459 1,349 
Intangible assets amortization2,914 2,479 
Leasing business expense3,869 0 
Other7,383 5,614 
Total noninterest expenses102,805 92,506 
Income before income taxes50,649 57,704 
Income tax expense9,348 10,389 
Net income$41,301 $47,315 
Net earnings per common share - basic$0.44 $0.49 
Net earnings per common share - diluted$0.44 $0.48 
Average common shares outstanding - basic93,383,932 96,873,940 
Average common shares outstanding - diluted94,263,925 97,727,527 
See Notes to Consolidated Financial Statements.
2
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(Dollars in thousands)
(Unaudited)
Three months ended
March 31,
20222021
Net income$41,301 $47,315 
Other comprehensive income (loss), net of tax:
Unrealized gain (loss) on debt securities arising during the period(142,401)(30,968)
Change in retirement obligation346 405 
Unrealized gain (loss) on foreign currency exchange11 0 
Other comprehensive income (loss) (142,044)(30,563)
Comprehensive income (loss)$(100,743)$16,752 
                   See Notes to Consolidated Financial Statements.

3
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 47,315 47,315 
Other comprehensive income (loss)(30,563)(30,563)
Cash dividends declared:
Common stock at $0.23 per share(22,524)(22,524)
Purchase of common stock(840,115)(17,982)(17,982)
Exercise of stock options, net of shares purchased(36)3,468 70 34 
Restricted stock awards, net of forfeitures(8,616)332,411 6,366 (2,250)
Share-based compensation expense2,842 2,842 
Balance at March 31, 2021104,281,794 $1,633,137 $745,220 $18,101 (6,764,101)$(137,516)$2,258,942 
Balance at January 1, 2022104,281,794 $1,640,358 $837,473 $(433)(10,132,554)$(218,456)$2,258,942 
Net income41,301 41,301 
Other comprehensive income (loss)(142,044)(142,044)
Cash dividends declared:
Common stock at $0.23 per share(21,596)(21,596)
Exercise of stock options, net of shares purchased(160)15,660 337 177 
Restricted stock awards, net of forfeitures(8,802)286,596 5,960 (2,842)
Share-based compensation expense3,507 3,507 
Balance at March 31, 2022104,281,794 $1,634,903 $857,178 $(142,477)(9,830,298)$(212,159)$2,137,445 

See Notes to Consolidated Financial Statements.
4
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Dollars in thousands)
(Unaudited)
Three months ended
March 31,
 20222021
Operating activities  
Net income$41,301 $47,315 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recapture of) credit losses(5,815)3,988 
Depreciation and amortization8,107 8,233 
Stock-based compensation expense3,507 2,842 
Pension expense (income)625 850 
Net amortization (accretion) on investment securities4,092 9,136 
Net (gain) loss on sales of investment securities(3)166 
Net (gain) loss from equity securities199 (112)
Originations of loans held for sale(98,958)(206,222)
Net gains from sales of loans held for sale(3,872)(9,454)
Proceeds from sales of loans held for sale113,939 220,374 
Deferred income taxes334 3,303 
Amortization of operating leases1,899 1,851 
Payments for operating leases(1,942)(1,790)
Decrease (increase) cash surrender value of life insurance(652)(479)
Decrease (increase) in interest receivable1,846 (777)
(Decrease) increase in interest payable164 (518)
Decrease (increase) in other assets52,590 117,134 
(Decrease) increase in other liabilities26,454 (48,806)
Net cash provided by (used in) operating activities143,815 147,034 
Investing activities  
Proceeds from sales of securities available-for-sale5,003 50,451 
Proceeds from calls, paydowns and maturities of securities available-for-sale232,267 279,426 
Purchases of securities available-for-sale(173,954)(665,723)
Proceeds from calls, paydowns and maturities of securities held-to-maturity5,906 10,799 
Purchases of securities held-to-maturity0 (1,000)
Purchases of other investment securities(11,799)(992)
Proceeds from calls, paydowns and maturities of other securities8 2,488 
Net decrease (increase) in interest-bearing deposits with other banks(12,336)1,125 
Net decrease (increase) in loans and leases49,580 (40,390)
Proceeds from disposal of other real estate owned98 433 
Purchases of premises and equipment(3,181)(2,717)
Net change in operating leases(12,085)0 
Life insurance death benefits3,316 0 
Net cash provided by (used in) investing activities82,823 (366,100)
Financing activities  
Net (decrease) increase in total deposits(53,046)416,066 
Net (decrease) increase in short-term borrowings(111,203)14,793 
Payments on long-term debt(30,183)(192,508)
Cash dividends paid on common stock(21,986)(22,200)
Treasury stock purchase0 (17,982)
Proceeds from exercise of stock options177 34 
Net cash provided by (used in) financing activities(216,241)198,203 
Cash and due from banks  
Change in cash and due from banks10,397 (20,863)
Cash and due from banks at beginning of period220,031 231,054 
Cash and due from banks at end of period$230,428 $210,191 
5
Supplemental disclosures
Interest paid$7,321 $9,252 
Income taxes paid, net of refunds$170 $147 
Supplemental schedule for investing activities
Business combinations
Assets acquired, net of purchase consideration$1,028 $0 
Liabilities assumed238 0 
Goodwill$(790)$0 
See Notes to Consolidated Financial Statements.
6
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
March 31, 2022
(Unaudited)

NOTE 1:  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of presentation. The Consolidated Financial Statements of First Financial Bancorp., a financial holding company principally serving Ohio, Indiana, Kentucky and Illinois, include the accounts and operations of First Financial and its wholly-owned subsidiary, First Financial Bank. All significant intercompany transactions and accounts have been eliminated in consolidation.  Certain reclassifications of prior periods' amounts have been made to conform to current year presentation. Such reclassifications had no effect on net earnings.

These interim financial statements have been prepared in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they may not include all of the information and accompanying notes necessary to constitute a complete set of financial statements required by GAAP and should be read in conjunction with the audited consolidated financial statements and related notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021.  Management believes these unaudited consolidated financial statements reflect all adjustments of a normal recurring nature which are necessary for a fair presentation of the results for the interim periods presented.  The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period.  The Consolidated Balance Sheet as of December 31, 2021 has been derived from the audited financial statements in the Company’s 2021 Form 10-K.

Use of estimates. The preparation of financial statements in conformity with GAAP requires management to make estimates, assumptions and judgments that affect the amounts reported in the Consolidated Financial Statements and accompanying Notes.  Actual realized amounts could differ materially from these estimates.

COVID-19. First Financial's operations and financial results were significantly impacted by the COVID-19 pandemic. The spread of COVID-19 caused significant economic disruption throughout the United States as state and local governments issued stay at home orders and temporarily closed non-essential businesses. The full financial impact from the pandemic is unknown at this time, however prolonged disruption from the pandemic may adversely impact several industries within the Company's geographic footprint and impair the ability of First Financial's customers to fulfill their contractual obligations to the Company. This could cause First Financial to experience a material adverse effect on business operations, asset valuations, financial condition and results of operations. Material adverse impacts may include all or a combination of valuation impairments on First Financial's intangible assets, investments, loans, mortgage servicing rights or counter-party risk derivatives.
NOTE 2:  ACCOUNTING STANDARDS RECENTLY ADOPTED OR ISSUED

Standards Adopted in 2022

There have been no new accounting standards adopted in 2022.

Standards Adopted in 2021

During the first quarter of 2021, the Company adopted ASU 2019-12 - Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. This standard simplified the accounting for income taxes by removing certain exceptions to the general principles in Topic 740 and added new requirements with the intention of simplifying and clarifying existing guidance. This update did not have a material impact on the Company’s Consolidated Financial Statements.

Standards Issued But Not Yet Adopted

In March, 2022, the FASB issued ASU 2022-02 - Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. This standard eliminates the accounting guidance on TDRs for creditors in ASC 310-40 and amends the guidance on “vintage disclosures” to require disclosure of current period gross write-offs by year of origination. The ASU also updates the requirements related to accounting for credit losses under ASC 326 and adds enhanced disclosures for creditors with respect to loan refinancings and restructurings for borrowers experiencing financial difficulty. The amendments in this update are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Entities are permitted to early adopt these amendments, including adoption in any interim period, provided that the amendments are adopted as of the beginning of the annual reporting period that includes the interim period of
7
adoption. The adoption of this standard is expected to result in amended disclosures in the Company's Consolidated Financial Statements, however it is not expected to materially impact the Company's results of operations.

NOTE 3:  INVESTMENTS

For the three months ended March 31, 2022, there were sales of $5.0 million of AFS securities with insignificant gross realized gains and gross realized losses. For the three months ended March 31, 2021, there were $52.1 million sales of AFS securities with $0.6 million gross realized gains and $0.7 million gross realized losses.

The following is a summary of HTM and AFS investment securities as of March 31, 2022:
  
Held-to-maturityAvailable-for-sale
(Dollars in thousands)Amortized
cost		Unrecognized gainUnrecognized lossFair
value		Amortized
cost		Unrealized
gain		Unrealized
loss		Fair
value
U.S. Treasuries$0 $0 $0 $0 $34,967 $1 $(2,244)$32,724 
Securities of U.S. government agencies and corporations0 0 0 0 79,338 0 (5,665)73,673 
Mortgage-backed securities - residential 0 0 0 0 709,888 602 (43,418)667,072 
Mortgage-backed securities - commercial 42,211 0 (1,403)40,808 754,978 355 (17,903)737,430 
Collateralized mortgage obligations10,780 0 (287)10,493 621,240 1,277 (27,662)594,855 
Obligations of state and other political subdivisions8,356 317 0 8,673 1,071,171 10,441 (49,260)1,032,352 
Asset-backed securities0 0 0 0 713,587 361 (21,321)692,627 
Other securities31,250 0 (1,223)30,027 128,000 710 (1,561)127,149 
Total$92,597 $317 $(2,913)$90,001 $4,113,169 $13,747 $(169,034)$3,957,882 

The following is a summary of HTM and AFS investment securities as of December 31, 2021:
  
Held-to-maturityAvailable-for-sale
(Dollars in thousands)Amortized
cost		Unrecognized gainUnrecognized
loss		Fair
value		Amortized
cost		Unrealized
gain		Unrealized
loss		Fair
value
U.S. Treasuries$0 $0 $0 $0 $34,961 $4 $(189)$34,776 
Securities of U.S. government agencies and corporations0 0 0 0 78,998 248 (129)79,117 
Mortgage-backed securities - residential 0 0 0 0 728,050 6,635 (10,548)724,137 
Mortgage-backed securities - commercial 46,362 651 0 47,013 729,948 4,294 (2,352)731,890 
Collateralized mortgage obligations11,882 221 0 12,103 696,258 7,979 (6,497)697,740 
Obligations of state and other political subdivisions8,926 915 0 9,841 1,058,735 35,591 (8,594)1,085,732 
Asset-backed securities0 0 0 0 720,638 1,521 (2,578)719,581 
Other securities31,250 176 (485)30,941 133,001 2,114 (242)134,873 
Total$98,420 $1,963 $(485)$99,898 $4,180,589 $58,386 $(31,129)$4,207,846 

8
The following table provides a summary of investment securities by contractual maturity as of March 31, 2022, except for residential and comm