First Financial Earnings 2020-03-31

Balance Sheet	Income Statement	Cash Flow

10-Q 1 thff-20200331x10q.htm 10-Q Document

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For The Quarterly Period Ended March 31, 2020

Commission File Number 0-16759

FIRST FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)



INDIANA	35-1546989
(State or other jurisdiction	(I.R.S. Employer
incorporation or organization)	Identification No.)

One First Financial Plaza, Terre Haute, IN	47807
(Address of principal executive office)	(Zip Code)

(812)238-6000
(Registrant's telephone number, including area code)

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 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 ý No ¨.

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes ý No ¨.

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.



Large accelerated filer	¨	Accelerated filer	ý
Non-accelerated filer (Do not check if a smaller reporting company)	¨	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 7(a)(2)(B) of the Securities Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ¨ No ý.

As of May 4, 2020, the registrant had outstanding 13,714,524 shares of common stock, without par value.

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FIRST FINANCIAL CORPORATION

FORM 10-Q

INDEX



	Page No.
PART I. Financial Information

Item 1. Financial Statements:

Consolidated Balance Sheets	3

Consolidated Statements of Income and Comprehensive Income	4

Consolidated Statements of Shareholders’ Equity	5

Consolidated Statements of Cash Flows	6

Notes to Consolidated Financial Statements	7

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations	35

Item 3. Quantitative and Qualitative Disclosures about Market Risk	38

Item 4. Controls and Procedures	41

PART II. Other Information:

Item 1. Legal Proceedings	42

Item 1A. Risk Factors	42

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds	43

Item 3. Defaults upon Senior Securities	43

Item 4. Mine Safety Disclosures	43

Item 5. Other Information	43

Item 6. Exhibits	44

Signatures	45

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Part I – Financial Information

Item 1.
Financial Statements

FIRST FINANCIAL CORPORATION

CONSOLIDATED BALANCE SHEETS

(Dollar amounts in thousands, except per share data)



	March 31, 2020			December 31, 2019
	(unaudited)
ASSETS
Cash and due from banks	$	211,034		$	127,426
Federal funds sold	1			7,500
Securities available-for-sale	932,041			926,717
Loans:
Commercial	1,567,340			1,584,447
Residential	663,060			682,077
Consumer	387,980			386,006
	2,618,380			2,652,530
(Less) plus:
Net deferred loan costs	4,257			3,860
Allowance for loan losses	(21,063		)	(19,943		)
	2,601,574			2,636,447
Restricted stock	15,400			15,394
Accrued interest receivable	17,098			18,523
Premises and equipment, net	63,140			62,576
Bank-owned life insurance	94,633			94,251
Goodwill	78,592			78,592
Other intangible assets	10,236			10,643
Other real estate owned	3,894			3,625
Other assets	34,771			41,556
TOTAL ASSETS	$	4,062,414		$	4,023,250

LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Non-interest-bearing	$	531,758		$	547,189
Interest-bearing:
Certificates of deposit exceeding the FDIC insurance limits	118,162			126,738
Other interest-bearing deposits	2,641,311			2,601,430
	3,291,231			3,275,357
Short-term borrowings	83,784			80,119
Other borrowings	27,494			30,973
Other liabilities	78,134			79,193
TOTAL LIABILITIES	3,480,643			3,465,642

Shareholders’ equity
Common stock, $.125 stated value per share;
Authorized shares-40,000,000
Issued shares-16,075,154 in 2020 and 16,055,466 in 2019
Outstanding shares-13,714,524 in 2020 and 13,741,825 in 2019	2,005			2,005
Additional paid-in capital	139,898			139,694
Retained earnings	504,236			492,055
Accumulated other comprehensive income/(loss)	6,001			(7,501		)
Less: Treasury shares at cost-2,360,630 in 2020 and 2,313,641 in 2019	(70,369		)	(68,645		)
TOTAL SHAREHOLDERS’ EQUITY	581,771			557,608
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	4,062,414		$	4,023,250

See accompanying notes.

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FIRST FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Dollar amounts in thousands, except per share data)



	Three Months Ended March 31,
	2020			2019
	(unaudited)			(unaudited)
INTEREST INCOME:
Loans, including related fees	$	35,034		$	26,754
Securities:
Taxable	4,029			3,681
Tax-exempt	1,938			1,867
Other	402			314
TOTAL INTEREST INCOME	41,403			32,616
INTEREST EXPENSE:
Deposits	4,530			2,817
Short-term borrowings	267			323
Other borrowings	256			50
TOTAL INTEREST EXPENSE	5,053			3,190
NET INTEREST INCOME	36,350			29,426
Provision for loan losses	2,690			1,470
NET INTEREST INCOME AFTER PROVISION
FOR LOAN LOSSES	33,660			27,956
NON-INTEREST INCOME:
Trust and financial services	1,534			1,204
Service charges and fees on deposit accounts	2,998			2,624
Other service charges and fees	3,330			3,114
Securities gains (losses), net	194			(4		)
Gain on sales of mortgage loans	698			420
Other	341			278
TOTAL NON-INTEREST INCOME	9,095			7,636
NON-INTEREST EXPENSE:
Salaries and employee benefits	15,972			12,755
Occupancy expense	1,929			1,815
Equipment expense	2,461			1,817
FDIC Expense	(230		)	140
Other	7,422			7,166
TOTAL NON-INTEREST EXPENSE	27,554			23,693
INCOME BEFORE INCOME TAXES	15,201			11,899
Provision for income taxes	3,020			2,217
NET INCOME	12,181			9,682
OTHER COMPREHENSIVE INCOME (LOSS)
Change in unrealized gains/(losses) on securities, net of reclassifications and taxes	13,098			10,224
Change in funded status of post retirement benefits, net of taxes	404			303
COMPREHENSIVE INCOME	$	25,683		$	20,209
PER SHARE DATA
Basic and Diluted Earnings per Share	$	0.89		$	0.79
Weighted average number of shares outstanding (in thousands)	13,740			12,282

See accompanying notes.

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FIRST FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY

Three Months Ended

March 31, 2020, and 2019

(Dollar amounts in thousands, except per share data)

(Unaudited)



	Common Stock		Additional Capital		Retained Earnings		Accumulated Other Comprehensive Income/(Loss)			Treasury Stock			Total
Balance, January 1, 2019	$	1,824	$	76,774	$	456,716	$	(23,454	)	$	(69,159	)	$	442,701
Net income	—		—		9,682		—			—			9,682
Other comprehensive income	—		—		—		10,527			—			10,527
Omnibus Equity Incentive Plan	1		200		—		—			—			201
Treasury shares purchased (7,866 shares)	—		—		—		—			(315		)	(315		)
Balance, March 31, 2019	$	1,825	$	76,974	$	466,398	$	(12,927	)	$	(69,474	)	$	462,796

Balance, January 1, 2020	$	2,005	$	139,694	$	492,055	$	(7,501	)	$	(68,645	)	$	557,608
Net income	—		—		12,181		—			—			12,181
Other comprehensive income	—		—		—		13,502			—			13,502
Omnibus Equity Incentive Plan	—		204		—		—			—			204
Treasury shares purchased (46,989 shares)	—		—		—		—			(1,724		)	(1,724		)
Balance, March 31, 2020	$	2,005	$	139,898	$	504,236	$	6,001		$	(70,369	)	$	581,771

See accompanying notes.

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FIRST FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Dollar amounts in thousands, except per share data)



	Three Months Ended March 31,
	2020			2019
	(Unaudited)
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$	12,181		$	9,682
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization (accretion) of premiums and discounts on investments	1,462			900
Provision for loan losses	2,690			1,470
Securities (gains) losses	(194		)	4
Gain on sales of mortgage loans	(698		)	(420		)
(Gain) Loss on sale of other real estate	23			8
Restricted stock compensation	204			201
Depreciation and amortization	1,400			1,000
Other, net	8,611			1,185
NET CASH FROM OPERATING ACTIVITIES	25,679			14,030
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of securities available-for-sale	27,604			—
Calls, maturities and principal reductions on securities available-for-sale	46,517			27,321
Purchases of securities available-for-sale	(63,516		)	(16,214		)
Loans made to customers, net of repayment	33,764			(30,828		)
Purchase of restricted stock	(6		)	(22		)
Proceeds from sales of other real estate owned	44			13
Net change in federal funds sold	7,499			(2,000		)
Additions to premises and equipment	(1,557		)	(309		)
NET CASH FROM INVESTING ACTIVITIES	50,349			(22,039		)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net change in deposits	16,281			(17,171		)
Net change in short-term borrowings	3,665			(13,008		)
Maturities of other borrowings	(5,000		)	(92,000		)
Proceeds from other borrowings	1,500			117,000
Purchase of treasury stock	(1,724		)	(315		)
Dividends paid	(7,142		)	(6,258		)
NET CASH FROM FINANCING ACTIVITIES	7,580			(11,752		)
NET CHANGE IN CASH AND CASH EQUIVALENTS	83,608			(19,761		)
CASH AND DUE FROM BANKS, BEGINNING OF PERIOD	127,426			74,388
CASH AND DUE FROM BANKS, END OF PERIOD	$	211,034		$	54,627

See accompanying notes.

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FIRST FINANCIAL CORPORATION

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

The accompanying March 31, 2020 and 2019 consolidated financial statements are unaudited. The December 31, 2019 consolidated financial statements are as reported in the First Financial Corporation (the “Corporation”) 2019 annual report. The information presented does not include all information and footnotes required by U.S. generally accepted accounting principles for complete financial statements. The following notes should be read together with notes to the consolidated financial statements included in the 10-K filed with the Securities and Exchange Commission for the fiscal year ended December 31, 2019.


1.	Significant Accounting Policies

The significant accounting policies followed by the Corporation and its subsidiaries for interim financial reporting are consistent with the accounting policies followed for annual financial reporting. All adjustments which are, in the opinion of management, necessary for a fair statement of the results for the periods reported have been included in the accompanying consolidated financial statements and are of a normal recurring nature. The Corporation reports financial information for only one segment, banking. Some items in the prior year financials were reclassified to conform to the current presentation.

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was signed into law. It contains substantial tax and spending provisions intended to address the impact of the COVID-19 pandemic. The goal of the CARES Act is to prevent a severe economic downturn through various measures, including direct financial aid to American families and economic stimulus to significantly impacted industry sectors. The CARES Act also includes a range of other provisions designed to support the U.S. economy and mitigate the impact of COVID-19 on financial institutions and their customers, including through the authorization of various programs and measures that the U.S. Department of the Treasury, the Small Business Administration, the Federal Reserve Board, and other federal banking agencies may or are required to implement. Further, in response to the COVID-19 outbreak, the Federal Reserve Board has implemented or announced a number of facilities to provide emergency liquidity to various segments of the U.S. economy and financial market.

The CARES Act includes a provision that permits a financial institution to elect to suspend temporarily troubled debt restructuring accounting under ASC Subtopic 310-40 in certain circumstances (“section 4013”). To be eligible under section 4013, a loan modification must be (1) related to COVID-19; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (A) 60 days after the date of termination of the National Emergency or (B) December 31, 2020. In response to this section of the CARES Act, the federal banking agencies issued a revised interagency statement on April 7, 2020 that, in consultation with the Financial Accounting Standards Board, confirmed that for loans not subject to section 4013, short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not troubled debt restructurings under ASC Subtopic 310-40. This includes short-term (e.g., up to six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented.

The Omnibus Equity Incentive Plan is a long-term incentive plan that was designed to align the interests of participants with the interests of shareholders. Under the plan, awards may be made based on certain performance measures. The grants are made in restricted stock units that are subject to a vesting schedule. These shares vest over 3 years in increments of 33%, 33%, and 34% respectively. For the three months ended 2020 and 2019, 19,688 and 19,783 shares were awarded, respectively. These shares had a grant date value of $837 thousand and $841 thousand for 2020 and 2019, vest over three years, and their grant is not subject to future performance measures. Outstanding shares are increased at the award date for the total shares awarded.

The extent to which the COVID-19 pandemic impacts the Corporation’s business, liquidity, asset valuations, results of operations, and financial condition, as well as its regulatory capital and liquidity ratios, will depend on future developments, which are highly uncertain, including the scope and duration of the pandemic and actions taken by governmental authorities and other third parties in response to the pandemic. Moreover, the effects of the COVID-19 pandemic may have a material adverse effect on all or a combination of valuation impairments on the Corporation's intangible assets, investments, loans, or deferred tax assets.

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2.	Allowance for Loan Losses

The following table presents the activity of the allowance for loan losses by portfolio segment for the three months

ended March 31.



Allowance for Loan Losses:	March 31, 2020
(Dollar amounts in thousands)	Commercial			Residential			Consumer			Unallocated		Total
Beginning balance	$	8,945		$	1,302		$	8,304		$	1,392	$	19,943
Provision for loan losses	520			251			1,780			139		2,690
Loans charged -off	(533		)	(257		)	(2,114		)	—		(2,904		)
Recoveries	391			156			787			—		1,334
Ending Balance	$	9,323		$	1,452		$	8,757		$	1,531	$	21,063



Allowance for Loan Losses:	March 31, 2019
(Dollar amounts in thousands)	Commercial			Residential			Consumer			Unallocated		Total
Beginning balance	$	9,848		$	1,313		$	7,481		$	1,794	$	20,436
Provision for loan losses	(640		)	296			941			873		1,470
Loans charged -off	(256		)	(302		)	(1,551		)	—		(2,109		)
Recoveries	287			185			691			—		1,163
Ending Balance	$	9,239		$	1,492		$	7,562		$	2,667	$	20,960

The following table presents the allocation of the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method at March 31, 2020 and December 31, 2019.



Allowance for Loan Losses	March 31, 2020
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Individually evaluated for impairment	$	42	$	—	$	—	$	—	$	42
Collectively evaluated for impairment	9,281		1,452		8,757		1,531		21,021
Acquired with deteriorated credit quality	—		—		—		—		—
Ending Balance	$	9,323	$	1,452	$	8,757	$	1,531	$	21,063



Loans:	March 31, 2020
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
Individually evaluated for impairment	$	6,152	$	3,579	$	—	$	9,731
Collectively evaluated for impairment	1,563,334		661,353		389,649		2,614,336
Acquired with deteriorated credit quality	6,549		—		—		6,549
Ending Balance	$	1,576,035	$	664,932	$	389,649	$	2,630,616



Allowance for Loan Losses:	December 31, 2019
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Individually evaluated for impairment	48		—		—		—		48
Collectively evaluated for impairment	8,897		1,302		8,304		1,392		19,895
Acquired with deteriorated credit quality	—		—		—		—		—
Ending Balance	$	8,945	$	1,302	$	8,304	$	1,392	$	19,943

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Loans	December 31, 2019
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
Individually evaluated for impairment	3,161		3,952		—		7,113
Collectively evaluated for impairment	1,584,169		680,069		387,655		2,651,893
Acquired with deteriorated credit quality	7,436		—		—		7,436
Ending Balance	$	1,594,766	$	684,021	$	387,655	$	2,666,442

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The following tables present loans individually evaluated for impairment by class of loans.



					March 31, 2020
	Unpaid Principal		Recorded		Allowance for Loan Losses		Average Recorded		Interest Income		Cash Basis Interest
(Dollar amounts in thousands)	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial
Commercial & Industrial	$	1,679	$	1,149	$	—	$	1,069	$	—	$	—
Farmland	1,324		1,324		—		1,661		—		—
Non Farm, Non Residential	3,512		3,512		—		1,756		—		—
Agriculture	—		—		—		—		—		—
All Other Commercial	26		26		—		27		—		—
Residential
First Liens	3,579		3,579		—		3,766		—		—
Home Equity	—		—		—		—		—		—
Junior Liens	—		—		—		—		—		—
Multifamily	—		—		—		—		—		—
All Other Residential	—		—		—		—		—		—
Consumer
Motor Vehicle	—		—		—		—		—		—
All Other Consumer	—		—		—		—		—		—
With an allowance recorded:
Commercial
Commercial & Industrial	141		141		42		145		—		—
Farmland	—		—		—		—		—		—
Non Farm, Non Residential	—		—		—		—		—		—
Agriculture	—		—		—		—		—		—
All Other Commercial	—		—		—		—		—		—
Residential
First Liens	—		—		—		—		—		—
Home Equity	—		—		—		—		—		—
Junior Liens	—		—		—		—		—		—
Multifamily	—		—		—		—		—		—
All Other Residential	—		—		—		—		—		—
Consumer
Motor Vehicle	—		—		—		—		—		—
All Other Consumer	—		—		—		—		—		—
TOTAL	$	10,261	$	9,731	$	42	$	8,424	$	—	$	—

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					December 31, 2019
	Unpaid Principal		Recorded		Allowance for Loan Losses		Average Recorded		Interest Income		Cash Basis Interest Income
(Dollar amounts in thousands)	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial
Commercial & Industrial	$	1,519	$	989	$	—	$	848	$	—	$	—
Farmland	1,997		1,997		—		1,999		—		—
Non Farm, Non Residential	—		—		—		—		—		—
Agriculture	—		—		—		—		—		—
All Other Commercial	27		27		—		461		—		—
Residential
First Liens	3,952		3,952		—		4,055		—		—
Home Equity	—		—		—		—		—		—
Junior Liens	—		—		—		—		—		—
Multifamily	—		—		—		—		—		—
All Other Residential	—		—		—		—		—		—
Consumer
Motor Vehicle	—		—		—		—		—		—
All Other Consumer	—		—		—		—		—		—
With an allowance recorded:
Commercial
Commercial & Industrial	148		148		48		1,108		—		—
Farmland	—		—		—		84		—		—
Non Farm, Non Residential	—		—		—		—				—
Agriculture	—		—		—		138		—		—
All Other Commercial	—		—		—		—		—		—
Residential
First Liens	—		—		—		—		—		—
Home Equity	—		—		—		—		—		—
Junior Liens	—		—		—		—		—		—
Multifamily	—		—		—		—		—		—
All Other Residential	—		—		—		—		—		—
Consumer
Motor Vehicle	—		—		—		—		—		—
All Other Consumer	—		—		—		—		—		—
TOTAL	$	7,643	$	7,113	$	48	$	8,693	$	—	$	—

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	Three Months Ended March 31, 2020
	Average Recorded		Interest Income		Cash Basis Interest Income
(Dollar amounts in thousands)	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial
Commercial & Industrial	$	1,069	$	—	$	—
Farmland	1,661		—		—
Non Farm, Non Residential	1,756		—		—
Agriculture	—		—		—
All Other Commercial	27		—		—
Residential
First Liens	3,766		—		—
Home Equity	—		—		—
Junior Liens	—		—		—
Multifamily	—		—		—
All Other Residential	—		—		—
Consumer
Motor Vehicle	—		—		—
All Other Consumer	—		—		—
With an allowance recorded:
Commercial
Commercial & Industrial	145		—		—
Farmland	—		—		—
Non Farm, Non Residential	—		—		—
Agriculture	—		—		—
All Other Commercial	—		—		—
Residential
First Liens	—		—		—
Home Equity	—		—		—
Junior Liens	—		—		—
Multifamily	—		—		—
All Other Residential	—		—		—
Consumer
Motor Vehicle	—		—		—
All Other Consumer	—		—		—
TOTAL	$	8,424	$	—	$	—

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	Three Months Ended March 31, 2019
	Average Recorded		Interest Income		Cash Basis Interest Income
(Dollar amounts in thousands)	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial
Commercial & Industrial	$	788	$	—	$	—
Farmland	930		—		—
Non Farm, Non Residential	2,442		—		—
Agriculture	116		—		—
All Other Commercial	1,218		—		—
Residential
First Liens	2,032		—		—
Home Equity	—		—		—
Junior Liens	18		—		—
Multifamily	—		—		—
All Other Residential	—		—		—
Consumer
Motor Vehicle	—		—		—
All Other Consumer	—		—		—
With an allowance recorded:
Commercial
Commercial & Industrial	488		—		—
Farmland	3,041		—		—
Non Farm, Non Residential	—		—		—
Agriculture	537		—		—
All Other Commercial	—		—		—
Residential
First Liens	221		—		—
Home Equity	—		—		—
Junior Liens	—		—		—
Multifamily	—		—		—
All Other Residential	—		—		—
Consumer
Motor Vehicle	—		—		—
All Other Consumer	—		—		—
TOTAL	$	11,831	$	—	$	—

Price	40.04	EPS	3
Shares	14	P/E	12
MCap	549	P/FCF	20
Net Debt	-80	EBIT	69
TEV	469	TEV/EBIT	7
TTM 2019-09-30, in MM, except price, ratios

10-Q	2020-03-31	Filed 2020-05-07
10-K	2019-12-31	Filed 2020-03-06
10-Q	2019-09-30	Filed 2019-11-07
10-Q	2019-06-30	Filed 2019-08-07
10-Q	2019-03-31	Filed 2019-05-08
10-K	2018-12-31	Filed 2019-03-06
10-Q	2018-09-30	Filed 2018-11-07
10-Q	2018-06-30	Filed 2018-08-08
10-Q	2018-03-31	Filed 2018-05-02
10-K	2017-12-31	Filed 2018-03-07
10-Q	2017-09-30	Filed 2017-11-08
10-Q	2017-06-30	Filed 2017-08-02
10-Q	2017-03-31	Filed 2017-05-05
10-K	2016-12-31	Filed 2017-03-09
10-Q	2016-09-30	Filed 2016-11-04
10-Q	2016-06-30	Filed 2016-08-03
10-Q	2016-03-31	Filed 2016-05-04
10-K	2015-12-31	Filed 2016-03-09
10-Q	2015-09-30	Filed 2015-11-05
10-Q	2015-06-30	Filed 2015-08-05
10-Q	2015-03-31	Filed 2015-05-08
10-K	2014-12-31	Filed 2015-03-06
10-Q	2014-09-30	Filed 2014-11-05
10-Q	2014-06-30	Filed 2014-08-07
10-Q	2014-03-31	Filed 2014-05-09
10-K	2013-12-31	Filed 2014-03-14
10-Q	2013-09-30	Filed 2013-11-06
10-Q	2013-06-30	Filed 2013-08-08
10-Q	2013-03-31	Filed 2013-05-10
10-K	2012-12-31	Filed 2013-03-15
10-Q	2012-09-30	Filed 2012-11-09
10-Q	2012-06-30	Filed 2012-08-09
10-Q	2012-03-31	Filed 2012-05-10
10-K	2011-12-31	Filed 2012-03-15
10-Q	2011-09-30	Filed 2011-11-09
10-Q	2011-06-30	Filed 2011-08-09
10-Q	2011-03-31	Filed 2011-05-09
10-K	2010-12-31	Filed 2011-03-15
10-Q	2010-09-30	Filed 2010-11-04
10-Q	2010-06-30	Filed 2010-08-06
10-Q	2010-03-31	Filed 2010-05-07
10-K	2009-12-31	Filed 2010-03-16

8-K	2020-07-31	Earnings, Exhibits
8-K	2020-05-21
8-K	2020-04-29
8-K	2020-04-15
8-K	2020-04-13
8-K	2020-04-10
8-K	2020-04-01
8-K	2020-02-06
8-K	2020-01-21
8-K	2019-11-21
8-K	2019-10-25
8-K	2019-10-21
8-K	2019-07-27
8-K	2019-07-23
8-K	2019-06-13
8-K	2019-05-22
8-K	2019-04-23
8-K	2019-04-17
8-K	2019-04-17
8-K	2019-04-03
8-K	2019-02-05
8-K	2019-02-01
8-K	2019-01-28
8-K	2019-01-07
8-K	2018-12-19
8-K	2018-11-26
8-K	2018-10-23
8-K	2018-07-24
8-K	2018-05-16
8-K	2018-04-24
8-K	2018-04-18
8-K	2018-04-09
8-K	2018-04-02
8-K	2018-02-06

EX-31.1	thff-20200331x10qexx311.htm
EX-31.2	thff-20200331x10qexx312.htm
EX-32.1	thff-20200331x10qexx321.htm

THFF 10Q Quarterly Report

First Financial Earnings 2020-03-31