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Dec 31, 2021

First Financial Q4 2021 Earnings Report

Reported strong financial results driven by provision recapture, record Bannockburn income, and elevated wealth management revenues, along with the acquisition of Summit Funding Group.

Key Takeaways

First Financial Bancorp reported a net income of $46.9 million, or $0.50 per diluted common share, for the three months ended December 31, 2021. The results were driven by provision recapture of $7.7 million, record Bannockburn income, and elevated wealth management revenues. The company also closed the acquisition of Summit Funding Group during the quarter.

Earnings per diluted share of $0.50; $0.58 on an adjusted basis

Return on average assets of 1.16%; 1.34% on an adjusted basis

Closed acquisition of Summit Funding Group

Classified assets declined 36.7%; Provision recapture of $7.7 million

Total Revenue
$156M
Previous year: $180M
-13.1%
EPS
$0.58
Previous year: $0.51
+13.7%
Efficiency Ratio
70.1%
Previous year: 63.8%
+9.9%
Tangible Book Value/Share
$12.3
Previous year: $12.9
-5.2%
Net Interest Margin
3.19%
Cash and Equivalents
$220M
Previous year: $231M
-4.8%
Free Cash Flow
$102M
Previous year: $151M
-32.5%
Total Assets
$16.3B
Previous year: $16B
+2.2%

First Financial

First Financial

Forward Guidance

First Financial Bancorp will maintain its focus on being a positive influence that helps its clients and communities thrive, and capitalize on the financial momentum achieved in 2021.