{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-22-000055","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.310654+00:00","generated_at":"2026-06-23T02:27:14.364951+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Financial Bancorp Q3 EPS $0.59; NIM expands 53 bps to 3.98%","bullets":["Diluted EPS $0.59 ($0.61 adjusted); net income $55.7M.","Net interest margin (FTE) 3.98%, up 53 bps from Q2; loan yields rose 89 bps.","Loan growth $377M (15.9% annualized); broad-based portfolio growth.","Noninterest income $42.5M; foreign exchange $11.8M, mortgage banking down 28.8%.","Credit quality improved: net charge-offs, classified assets, and NPAs declined sequentially."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-22-000055","json":"https://secwatch.observer/filing/0000708955-22-000055.json","markdown":"https://secwatch.observer/filing/0000708955-22-000055.md","text":"https://secwatch.observer/filing/0000708955-22-000055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895522000055/0000708955-22-000055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895522000055/ffbc-20221020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:27:14.364951+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}