{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-23-000025","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.979033+00:00","generated_at":"2026-06-16T23:00:17.731733+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Financial Bancorp Q1 2023 EPS $0.74 (adj. $0.76); revenue $214.9M record","bullets":["EPS $0.74 GAAP, $0.76 adjusted; 65% increase YoY.","Net interest margin (FTE) 4.55%, up 8 bp from Q4 2022; loan growth $134.4M (5.3% annualized).","Record fee income: foreign exchange $16.9M, leasing $13.7M, wealth mgmt $6.3M.","Noninterest expenses $116.7M (adj. $114.6M); adjusted efficiency ratio 53.3%.","Regulatory capital ratios increased; stable credit with de minimis net charge-offs."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-23-000025","json":"https://secwatch.observer/filing/0000708955-23-000025.json","markdown":"https://secwatch.observer/filing/0000708955-23-000025.md","text":"https://secwatch.observer/filing/0000708955-23-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895523000025/0000708955-23-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895523000025/ffbc-20230420.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:00:17.731733+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":[{"claim_id":"6f21aa00ddcbe408cab06280840714a4cca7ed28","claim":"FIRST FINANCIAL BANCORP /OH/ reported first three months of 2023 results: revenue $214.9 million, net income $70.4 million, EPS $0.74 per diluted common share.","evidence_excerpt":"per diluted share of $0.74; $0.76 on an adjusted (1) basis, 65% increase YoY • Return on average assets of 1.69%; 1.72% on an adjusted (1) basis • Record quarterly revenue of $214.9 million • Net interest margin on FTE basis (1) of 4.55%; 8 bp increase from linked quarter • Loan growth of $134.4 million; 5.3% on an annualized basis • Record adjusted (1) fee income","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/708955/000070895523000025/0000708955-23-000025-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first three months of 2023"},{"label":"Revenue","value":"$214.9 million"},{"label":"Net income","value":"$70.4 million"},{"label":"EPS","value":"$0.74 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}