First Financial Q4 net income up 31% to $16.2M; full year down 22% to $47.3M

FIRST FINANCIAL CORP /IN/

2023-FY EPS reported $4.00

Q4 2024 net income $16.2M ($1.37 diluted EPS) vs $12.4M ($1.06) in Q4 2023.
Full year 2024 net income $47.3M ($4.00 EPS) vs $60.7M ($5.08) in 2023, driven by higher provision.
Record Q4 net interest income $49.6M; net interest margin expanded to 3.94% from 3.63% a year ago.
SimplyBank acquisition contributed $467M in loans and $622M in deposits; total loans up 21% YoY.
Quarterly dividend raised to $0.51 from $0.45; nonperforming loans dropped to 0.35% of loans.

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