secwatch.observer — SEC 8-K summary
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Issuer:     FIRST FINANCIAL BANCORP /OH/ (FFBC)
CIK:        0000708955
Form:       8-K
Filed at:   2023-07-20T23:59:59+00:00
Accession:  0000708955-23-000044
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

FFBC Q2 adjusted EPS $0.72 (+29% YoY); NIM 4.48% down 7bp QoQ
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- 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).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/0000708955-23-000044-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/ffbc-20230720.htm
  HTML page:      https://secwatch.observer/filing/0000708955-23-000044

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer