First Financial Bancorp. (FRA:FI5)

First Financial Bancorp. Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	819.15	836.54	743.77	458.74	385.54
Interest Income on Investments	182.75	165.55	159.23	126.26	97.68
Total Interest Income	1,002	1,002	903	585.01	483.22
Interest Paid on Deposits	310.75	331.09	202.01	28.14	14.44
Interest Paid on Borrowings	49.11	58.99	73.22	37.72	16.66
Total Interest Expense	359.86	390.09	275.23	65.86	31.1
Net Interest Income	642.05	612.01	627.77	519.14	452.12
Net Interest Income Growth (YoY)	4.91%	-2.51%	20.92%	14.82%	-0.96%
Trust Income	32.56	28.72	26.08	23.51	23.78
Gain (Loss) on Sale of Investments	-22.32	-54.42	-2.76	-48.86	-12.85
Other Non-Interest Income	190.95	170.23	146.89	124.23	82.89
Total Non-Interest Income	257.44	191.72	210.71	141.99	158.71
Non-Interest Income Growth (YoY)	34.28%	-9.01%	48.40%	-10.54%	-13.61%
Revenues Before Loan Losses	899.48	803.73	838.48	661.13	610.83
Provision for Loan Losses	37.67	47.66	43.11	11.71	-18.12
Revenue	861.82	756.07	795.38	649.42	628.95
Revenue Growth (YoY)	13.99%	-4.94%	22.48%	3.25%	10.41%
Salaries and Employee Benefits	315.89	288.7	277.83	255.99	236.29
Occupancy Expenses	24.18	23.05	22.99	22.21	22.14
Federal Deposit Insurance	11.2	11.01	11.05	7.19	5.63
Amortization of Goodwill & Intangibles	11	9.49	10.4	11.19	9.84
Selling, General & Administrative	80.63	91.64	86.6	81.43	77.41
Other Non-Interest Expense	97.65	63.66	67.01	29.7	29.61
Total Non-Interest Expense	540.55	487.55	475.88	407.7	380.92
EBT Excluding Unusual Items	321.27	268.52	319.5	241.72	248.03
Legal Settlements	-	-	-	-	-7.1
Other Unusual Items	-	-0.2	-0.9	-	-
Pretax Income	321.27	268.32	318.6	241.72	240.93
Income Tax Expense	65.67	39.49	62.73	24.11	35.77
Net Income	255.61	228.83	255.86	217.61	205.16
Net Income to Common	255.61	228.83	255.86	217.61	205.16
Net Income Growth	11.70%	-10.56%	17.58%	6.07%	31.67%
Basic Shares Outstanding	95	94	94	94	95
Diluted Shares Outstanding	96	95	95	95	96
Shares Change (YoY)	0.79%	0.33%	0.54%	-1.37%	-2.24%
EPS (Basic)	2.68	2.42	2.72	2.33	2.16
EPS (Diluted)	2.66	2.40	2.69	2.30	2.14
EPS Growth	10.83%	-10.78%	16.96%	7.48%	34.59%
Dividend Per Share	0.980	0.940	0.920	0.920	0.920
Dividend Growth	4.25%	2.17%	-	-	-
Effective Tax Rate	20.44%	14.72%	19.69%	9.97%	14.85%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.