First Financial Bancorp. Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	228.83	255.86	217.61	205.16
Depreciation & Amortization	38.42	37.8	38.81	39.56
Gain (Loss) on Sale of Investments	25.64	8.24	14.03	29.04
Provision for Credit Losses	47.66	43.11	11.71	-18.12
Net Decrease (Increase) in Loans Originated / Sold - Operating	13.95	8.57	6.55	30.58
Accrued Interest Receivable	4.96	-9.57	-19.13	6.46
Change in Other Net Operating Assets	-101.65	96.94	-62.1	113.99
Other Operating Activities	14.62	4.03	-11.61	6.76
Operating Cash Flow	262.16	486.97	200.85	388.16
Operating Cash Flow Growth	-46.17%	142.46%	-48.26%	258.20%
Capital Expenditures	-21.08	-24.14	-13.78	-15.33
Cash Acquisitions	-96.89	-3.54	-	-109.02
Investment in Securities	-61.96	48.8	140.18	-1,034
Net Decrease (Increase) in Loans Originated / Sold - Investing	-769.22	-665.86	-987.09	644.28
Other Investing Activities	-50.89	-56.54	-22.42	3.58
Investing Cash Flow	-1,000	-701.27	-883.11	-510.03
Short-Term Debt Issued	-	-	990.95	129.61
Long-Term Debt Issued	2.64	-	-	-
Total Debt Issued	2.64	-	990.95	129.61
Short-Term Debt Repaid	-182.36	-349.34	-	-
Long-Term Debt Repaid	-	-3.31	-64.02	-463.38
Total Debt Repaid	-182.36	-352.66	-64.02	-463.38
Net Debt Issued (Repaid)	-179.72	-352.66	926.94	-333.77
Issuance of Common Stock	-	0.05	0.18	0.06
Repurchase of Common Stock	-	-	-	-108.08
Common Dividends Paid	-89.54	-87.16	-86.61	-87.32
Net Increase (Decrease) in Deposit Accounts	968.34	659.62	-170.78	639.95
Financing Cash Flow	699.08	219.85	669.73	110.85
Net Cash Flow	-38.8	5.56	-12.53	-11.02
Free Cash Flow	241.08	462.83	187.07	372.82
Free Cash Flow Growth	-47.91%	147.42%	-49.82%	305.70%
Free Cash Flow Margin	31.89%	58.19%	28.80%	59.28%
Free Cash Flow Per Share	2.53	4.87	1.98	3.89
Cash Interest Paid	398.13	234.93	59.51	32.84
Cash Income Tax Paid	27.52	10.08	5.7	17.69

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