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Mar 31, 2020

First Financial Q1 2020 Earnings Report

Reported net income of $28.6 million and earnings per diluted share of $0.29.

Key Takeaways

First Financial Bancorp announced first quarter 2020 financial results, reporting a net income of $28.6 million, or $0.29 per diluted common share. The results were negatively impacted by COVID-19's influence on the CECL model, though pre-provision financial results exceeded expectations.

Earnings per Diluted Share of $0.29; $0.31 on an Adjusted Basis

4.6% Loan Growth on an Annualized Basis

3.77% Fully Tax Equivalent Net Interest Margin

$25.4 million total provision for credit losses

Total Revenue
$150M
Previous year: $148M
+0.9%
EPS
$0.31
Previous year: $0.48
-35.4%
Efficiency Ratio
59.9%
Total Capital Ratio
13.54%
Tangible Book Value/Share
$11.8
Cash and Equivalents
$262M
Previous year: $169M
+55.0%
Free Cash Flow
-$132M
Previous year: $36.7M
-459.5%
Total Assets
$15.1B
Previous year: $14.1B
+7.0%

First Financial

First Financial

Forward Guidance

Although certain performance metrics are difficult to forecast for the remainder of the year, the Company pledges to remain diligent and manage the Company in a way that continues to deliver maximum shareholder value while prioritizing the physical and financial well-being of our clients and associates.