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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	811	836.54	743.77	458.74	385.54	431.66
Interest Income on Investments	177.15	165.55	159.23	126.26	97.68	93.31
Total Interest Income	988.14	1,002	903	585.01	483.22	524.96
Interest Paid on Deposits	317.33	331.09	202.01	28.14	14.44	41.92
Interest Paid on Borrowings	48.36	58.99	73.22	37.72	16.66	26.53
Total Interest Expense	365.69	390.09	275.23	65.86	31.1	68.45
Net Interest Income	622.45	612.01	627.77	519.14	452.12	456.51
Net Interest Income Growth (YoY)	1.81%	-2.51%	20.92%	14.82%	-0.96%	-5.73%
Trust Income	31.24	28.72	26.08	23.51	23.78	21.29
Gain (Loss) on Sale of Investments	-41.45	-54.42	-2.76	-48.86	-12.85	8.2
Other Non-Interest Income	187.72	170.23	146.89	124.23	82.89	73.61
Total Non-Interest Income	230.68	191.72	210.71	141.99	158.71	183.72
Non-Interest Income Growth (YoY)	15.79%	-9.01%	48.40%	-10.54%	-13.61%	43.35%
Revenues Before Loan Losses	853.13	803.73	838.48	661.13	610.83	640.23
Provision for Loan Losses	37	47.66	43.11	11.71	-18.12	70.56
Revenue	816.13	756.07	795.38	649.42	628.95	569.67
Revenue Growth (YoY)	7.08%	-4.94%	22.48%	3.25%	10.41%	-2.12%
Salaries and Employee Benefits	295.38	288.7	277.83	255.99	236.29	229.1
Occupancy Expenses	23.28	23.05	22.99	22.21	22.14	23.27
Federal Deposit Insurance	10.82	11.01	11.05	7.19	5.63	5.11
Amortization of Goodwill & Intangibles	9.47	9.49	10.4	11.19	9.84	11.13
Selling, General & Administrative	94.02	91.64	86.6	81.43	77.41	70.03
Other Non-Interest Expense	73.9	63.66	67.01	29.7	29.61	39.37
Total Non-Interest Expense	506.87	487.55	475.88	407.7	380.92	378
EBT Excluding Unusual Items	309.25	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	309.05	268.32	318.6	241.72	240.93	184.41
Income Tax Expense	50.96	39.49	62.73	24.11	35.77	28.6
Net Income	258.1	228.83	255.86	217.61	205.16	155.81
Net Income to Common	258.1	228.83	255.86	217.61	205.16	155.81
Net Income Growth	16.96%	-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)	0.33%	0.33%	0.54%	-1.37%	-2.24%	-0.77%
EPS (Basic)	2.72	2.42	2.72	2.33	2.16	1.60
EPS (Diluted)	2.70	2.40	2.69	2.30	2.14	1.59
EPS Growth	16.38%	-10.78%	16.96%	7.48%	34.59%	-20.50%
Dividend Per Share	0.970	0.940	0.920	0.920	0.920	0.920
Dividend Growth	4.30%	2.17%	-	-	-	2.22%
Effective Tax Rate	16.49%	14.72%	19.69%	9.97%	14.85%	15.51%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q