First Financial Bancorp. (FFBC)

First Financial Bancorp. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	821.56	836.54	743.77	458.74	385.54	431.66
Interest Income on Investments	173.45	165.55	159.23	126.26	97.68	93.31
Total Interest Income	995.01	1,002	903	585.01	483.22	524.96
Interest Paid on Deposits	326.12	331.09	202.01	28.14	14.44	41.92
Interest Paid on Borrowings	51.37	58.99	73.22	37.72	16.66	26.53
Total Interest Expense	377.49	390.09	275.23	65.86	31.1	68.45
Net Interest Income	617.52	612.01	627.77	519.14	452.12	456.51
Net Interest Income Growth (YoY)	1.02%	-2.51%	20.92%	14.82%	-0.96%	-5.73%
Trust Income	30.8	28.72	26.08	23.51	23.78	21.29
Gain (Loss) on Sale of Investments	-59.04	-54.42	-2.76	-48.86	-12.85	8.2
Other Non-Interest Income	179.86	170.23	146.89	124.23	82.89	73.61
Total Non-Interest Income	202.69	191.72	210.71	141.99	158.71	183.72
Non-Interest Income Growth (YoY)	-3.42%	-9.01%	48.40%	-10.54%	-13.61%	43.35%
Revenues Before Loan Losses	820.22	803.73	838.48	661.13	610.83	640.23
Provision for Loan Losses	38.56	47.66	43.11	11.71	-18.12	70.56
Revenue	781.66	756.07	795.38	649.42	628.95	569.67
Revenue Growth (YoY)	1.30%	-4.94%	22.48%	3.25%	10.41%	-2.12%
Salaries and Employee Benefits	290.07	288.7	277.83	255.99	236.29	229.1
Occupancy Expenses	23.29	23.05	22.99	22.21	22.14	23.27
Federal Deposit Insurance	11.24	11.01	11.05	7.19	5.63	5.11
Amortization of Goodwill & Intangibles	9.51	9.49	10.4	11.19	9.84	11.13
Selling, General & Administrative	92.8	91.64	86.6	81.43	77.41	70.03
Other Non-Interest Expense	71.31	63.66	67.01	29.7	29.61	39.37
Total Non-Interest Expense	498.2	487.55	475.88	407.7	380.92	378
EBT Excluding Unusual Items	283.45	268.52	319.5	241.72	248.03	191.67
Legal Settlements	-	-	-	-	-7.1	-
Other Unusual Items	-0.2	-0.2	-0.9	-	-	-7.26
Pretax Income	283.25	268.32	318.6	241.72	240.93	184.41
Income Tax Expense	44.63	39.49	62.73	24.11	35.77	28.6
Net Income	238.63	228.83	255.86	217.61	205.16	155.81
Net Income to Common	238.63	228.83	255.86	217.61	205.16	155.81
Net Income Growth	3.17%	-10.56%	17.58%	6.07%	31.67%	-21.34%
Basic Shares Outstanding	95	94	94	94	95	97
Diluted Shares Outstanding	96	95	95	95	96	98
Shares Change (YoY)	0.35%	0.33%	0.54%	-1.37%	-2.24%	-0.77%
EPS (Basic)	2.52	2.42	2.72	2.33	2.16	1.60
EPS (Diluted)	2.50	2.40	2.69	2.30	2.14	1.59
EPS Growth	2.88%	-10.78%	16.96%	7.48%	34.59%	-20.50%
Dividend Per Share	0.960	0.940	0.920	0.920	0.920	0.920
Dividend Growth	4.35%	2.17%	-	-	-	2.22%
Effective Tax Rate	15.76%	14.72%	19.69%	9.97%	14.85%	15.51%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q