---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-24-000058"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:56:10.931156+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Financial Q3 EPS $0.74; net income drops 47% YoY; closes SimplyBank acquisition

## Summary
- Net income $8.7M vs $16.3M YoY; diluted EPS $0.74 vs $1.37.
- Credit loss provision surged to $9.4M from $1.2M; $5.5M related to SimplyBank acquisition.
- Total loans increased $511M linked quarter to $3.72B, driven by $467M in acquired SimplyBank loans.
- Net interest margin expanded 21 bps to 3.78% from 3.57% linked quarter; net interest income $47.2M up 14.6% YoY.
- Quarterly dividend of $0.45 per share declared and paid.

## SEC filing metadata
- accession: 0000714562-24-000058
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456224000058/0000714562-24-000058-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456224000058/thff-20241022x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-24-000058
- JSON: https://secwatch.observer/filing/0000714562-24-000058.json
- Plain text: https://secwatch.observer/filing/0000714562-24-000058.txt

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