{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-23-000044","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.457854+00:00","generated_at":"2026-06-13T05:55:57.185116+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":"FFBC Q2 adjusted EPS $0.72 (+29% YoY); NIM 4.48% down 7bp QoQ","bullets":["Diluted EPS $0.69 ($0.72 adjusted); net income $65.7M vs Q1 $70.4M.","Net interest margin (FTE) 4.48% (down 7bp QoQ); loan growth $117M annualized 4.5%.","Adjusted fee income $53.5M; record wealth management $6.7M, FX income $15.0M.","ACL/total loans 1.41%; classified assets down 13%; capital ratios increased.","Efficiency ratio 54.9% adjusted; ROAA 1.55% (1.62% adjusted)."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-23-000044","json":"https://secwatch.observer/filing/0000708955-23-000044.json","markdown":"https://secwatch.observer/filing/0000708955-23-000044.md","text":"https://secwatch.observer/filing/0000708955-23-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/0000708955-23-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/ffbc-20230720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:55:57.185116+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":"86ea30892711bc66b0ba297d9a9019b889334da2","claim":"FIRST FINANCIAL BANCORP /OH/ reported the three and six months ended June 30, 2023 results: net income $65.7 million, or $0.69 per diluted common share, EPS $0.69 per diluted common share.","evidence_excerpt":"On July 20, 2023, First Financial Bancorp. (the \"Company\") issued its earnings press release that included its results of operations and financial condition for the first six months and second quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/0000708955-23-000044-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and six months ended June 30, 2023"},{"label":"Net income","value":"$65.7 million, or $0.69 per diluted common share"},{"label":"EPS","value":"$0.69 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"}