First Financial Q2 net income $22.7M, EPS $1.91, up 22% YoY; record NII $61.2M

FIRST FINANCIAL CORP /IN/

Net income $22.7M vs $18.6M YoY; diluted EPS $1.91 vs $1.57; ROAA 1.48% vs 1.34%.
Record net interest income $61.2M, up 16.2% YoY; NIM 4.33% vs 4.15%.
Total loans $4.47B, up 14.7% YoY; organic growth $300M driven by commercial and auto.
Nonperforming loans $27.1M (0.61% of loans) vs $9.8M (0.25%) YoY; net charge-offs $2.7M.
CedarStone acquisition closed March 1; loans acquired $292M, deposits $313M.

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