---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-23-000006"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:39:59.799438+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Q4 EPS $0.73; record revenue; loan growth 20.3% annualized

## Summary
- Net income $69.1M ($0.73 diluted EPS) vs $55.7M ($0.59) in Q3 2022.
- Record quarterly revenue driven by net interest income and record fee income.
- Net interest margin (FTE) 4.47%, up 49 bp from linked quarter on higher asset yields.
- Loan balances grew $501.5M (20.3% annualized); Summit contributed $129.7M.
- Record noninterest income of $56.0M; foreign exchange and leasing income at all-time highs.

## SEC filing metadata
- accession: 0000708955-23-000006
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895523000006/0000708955-23-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895523000006/ffbc-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-23-000006
- JSON: https://secwatch.observer/filing/0000708955-23-000006.json
- Plain text: https://secwatch.observer/filing/0000708955-23-000006.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL BANCORP /OH/ reported the three and twelve months ended December 31, 2022 results: net income $69.1 million, EPS $0.73 per diluted common share.
  - Period: the three and twelve months ended December 31, 2022
  - Net income: $69.1 million
  - EPS: $0.73 per diluted common share
  - Result: reported results
  source text: First Financial Bancorp. (the "Company") issued its earnings press release that included its results of operations and financial condition for the twelve months and fourth quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/708955/000070895523000006/0000708955-23-000006-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.