First Financial Bancorp Q1 EPS $0.54 ($0.63 adjusted); net income down 21% from Q4

FIRST FINANCIAL BANCORP /OH/

2025-Q1 EPS reported $0.54

Net income of $51.3M ($0.54 diluted EPS) vs $64.9M ($0.68) in Q4 2024; adjusted EPS $0.63.
Net interest margin (FTE) 3.88%, down 6 bp from Q4; cost of deposits down 12 bp.
Noninterest income $51.1M ($61.0M adjusted) includes $9.9M loss on securities sale; record wealth management.
Noninterest expenses $128.1M ($126.6M adjusted), down 3.3% linked quarter; efficiency ratio 63.9% (60.2% adjusted).
Loan balances down $37.6M; average deposits down $99M (excluding brokered, up $62.8M).

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