{"schema_version":"secwatch.filing_event.v1","accession":"0000714562-24-000040","form_type":"8-K","ticker":"THFF","cik":"0000714562","company_name":"FIRST FINANCIAL CORP /IN/","filed_at":"2024-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.672999+00:00","generated_at":"2026-05-31T18:18:00.969731+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Financial Q2 net income $11.4M ($0.96 EPS) vs $16.0M ($1.33) a year ago","bullets":["Net income $11.4M, diluted EPS $0.96, down from $16.0M ($1.33) in Q2 2023; pre-tax pre-provision income $16.2M vs $21.2M.","Net interest margin 3.57% (expanded 4 bp from linked quarter 3.53%), net interest income $39.3M vs $42.2M a year ago.","Credit loss provision $3.0M (vs $1.8M); net charge-offs $4.7M (vs $1.5M) tied to one credit; NPAs to loans 0.78% vs 0.59% linked quarter.","Total loans $3.20B (+2.21% YoY); deposits $4.13B (+1.70% YoY); book value per share $44.92 (+8.33% YoY); tangible book $37.12.","Acquisition of SimplyBank closed July 1; insurance agency sold for $56.4M cash, estimated after-tax gain $36.4M in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0000714562-24-000040","json":"https://secwatch.observer/filing/0000714562-24-000040.json","markdown":"https://secwatch.observer/filing/0000714562-24-000040.md","text":"https://secwatch.observer/filing/0000714562-24-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/714562/000071456224000040/0000714562-24-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/714562/000071456224000040/thff-20240723x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:18:00.969731+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"}