---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-23-000024"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2023-07-25T23:59:59+00:00"
generated_at: "2026-06-13T03:35:43.847180+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Financial Q2 net income $16M, EPS $1.33, up from $15.6M and $1.27 YoY

## Summary
- Net income $16.0M vs $15.6M YoY; diluted EPS $1.33 vs $1.27.
- Pre-tax, pre-provision net income $21.2M, up from $19.7M in Q2 2022.
- Net interest margin 3.81%, up 35 bps from 3.46% YoY; net interest income $42.2M, +4.25%.
- Average total loans $3.10B, up 9.63% YoY; total deposits $4.06B vs $4.38B a year ago.
- Credit loss provision $1.8M vs $750K; nonperforming loans $13.3M, ratio 0.43% vs 0.32%.

## SEC filing metadata
- accession: 0000714562-23-000024
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2023-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456223000024/0000714562-23-000024-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456223000024/tmb-20230725x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-23-000024
- JSON: https://secwatch.observer/filing/0000714562-23-000024.json
- Plain text: https://secwatch.observer/filing/0000714562-23-000024.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL CORP /IN/ reported six months ended June 30, 2023 results: net income Net income was $32.0 million compared to the $36.5 million reported for the same period of 2022, EPS Diluted net income per common share of $2.66 compared to $2.95 for the same period of 2022.
  - Period: six months ended June 30, 2023
  - Net income: Net income was $32.0 million compared to the $36.5 million reported for the same period of 2022
  - EPS: Diluted net income per common share of $2.66 compared to $2.95 for the same period of 2022
  - Result: reported results
  source text: The Corporation further reported results for the six months ending June 30, 2023:
  evidence_url: https://www.sec.gov/Archives/edgar/data/714562/000071456223000024/0000714562-23-000024-index.htm
- Earnings Releases
  FIRST FINANCIAL CORP /IN/ reported the three and six months ended June 30, 2023 results: net income Net income was $16.0 million compared to the $15.6 million reported for the same period of 2022, EPS Diluted net income per common share of $1.33 compared to $1.27 for the same period of 2022.
  - Period: the three and six months ended June 30, 2023
  - Net income: Net income was $16.0 million compared to the $15.6 million reported for the same period of 2022
  - EPS: Diluted net income per common share of $1.33 compared to $1.27 for the same period of 2022
  - Result: reported results
  source text: On July 25, 2023, the Registrant issued a press release reporting its financial results for the three and six months ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/714562/000071456223000024/0000714562-23-000024-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.