{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-24-000057","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.846790+00:00","generated_at":"2026-05-30T10:44:22.353281+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"FFBC Q3 2024 net income $52.5M ($0.55 EPS); adjusted EPS $0.67; NIM 4.08%","bullets":["Diluted EPS of $0.55; adjusted EPS $0.67; net income $52.5M vs. $60.8M in Q2 2024.","Net interest margin (FTE) 4.08%, down 2bp from Q2; deposit growth $166.2M (4.9% annualized).","Noninterest income $45.7M ($58.8M adjusted) driven by foreign exchange, wealth, leasing; $17.5M securities loss.","Tangible book value $14.26, up 10.2% linked quarter; quarterly dividend maintained at $0.24.","Net charge-offs 0.25% of loans; ACL ratio 1.37%; loan growth $31.9M (1% annualized)."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-24-000057","json":"https://secwatch.observer/filing/0000708955-24-000057.json","markdown":"https://secwatch.observer/filing/0000708955-24-000057.md","text":"https://secwatch.observer/filing/0000708955-24-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895524000057/0000708955-24-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895524000057/ffbc-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:44:22.353281+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"}