First Financial Bank Mortgage Rates, Fees & Info

Terre Haute, IN

LEI: 549300E0S1LZYZ9QNX81

Tax ID: 35-0704860

5 stars - out of 5 stars, based on 39 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

First Financial Bank is a smaller bank specializing in Home Purchase and Refi loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Terre Haute, Indianapolis, Nashville, Clarksville, and Champaign among others. First Financial Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First Financial Bank is typically a low fee lendor.


Originations

1,513

Origination Dollar Volume (All Markets)

$204,815,000

Employee count

883 Show all (5) awards

Relative Rate

First Financial Bank's average 30 year fixed rate mortgage of loans were 3.52%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.37%.

Relative Fees

First Financial Bank's average total fees for a 30 year fixed rate mortgage are $3,048.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
TERRE HAUTE, IN (FHA|USDA|VA) 780 $87,430,000 $112,090 $2,070 3.64%
Outside of Metro Areas 216 $24,710,000 $114,398 $2,140 3.60%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 84 $19,820,000 $235,952 $2,821 3.41%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 52 $10,810,000 $207,885 $3,468 3.20%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 46 $9,560,000 $207,826 $2,355 3.44%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 45 $7,285,000 $161,889 $2,190 3.18%
DANVILLE, IL (FHA|USDA|VA) 64 $6,100,000 $95,313 $1,823 3.51%
BLOOMINGTON, IN (FHA|USDA|VA) 21 $4,625,000 $220,238 $3,080 3.60%
Charleston-Mattoon, IL (FHA|USDA|VA) 39 $3,725,000 $95,513 $2,543 3.59%
Vincennes, IN (FHA|USDA|VA) 32 $3,090,000 $96,563 $2,278 3.61%
Murray, KY (FHA|USDA|VA) 17 $3,015,000 $177,353 $3,373 3.24%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,880,000 $360,000 $3,296 3.33%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $2,770,000 $1,385,000 $8,707 3.50%
BLOOMINGTON, IL (FHA|USDA|VA) 13 $2,325,000 $178,846 $1,930 2.91%
EVANSVILLE, IN-KY (FHA|USDA|VA) 10 $2,160,000 $216,000 $2,574 3.58%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $1,330,000 $665,000 $0 3.43%
Madison, IN (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $0 3.85%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $1,205,000 $401,667 $2,669 3.46%
Union City, TN (FHA|USDA|VA) 6 $680,000 $113,333 $2,686 3.79%
Paducah, KY-IL (FHA|USDA|VA) 3 $645,000 $215,000 $1,806 3.92%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $585,000 $585,000 $2,963 3.50%
Madisonville, KY (FHA|USDA|VA) 7 $565,000 $80,714 $1,027 3.89%
Mount Vernon, IL (FHA|USDA|VA) 7 $555,000 $79,286 $1,467 3.63%
Effingham, IL (FHA|USDA|VA) 3 $545,000 $181,667 $3,209 3.58%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $485,000 $161,667 $1,633 3.79%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $435,000 $435,000 $3,095 2.75%
Washington, IN (FHA|USDA|VA) 3 $435,000 $145,000 $1,750 3.33%
KOKOMO, IN (FHA|USDA|VA) 1 $415,000 $415,000 $0 3.80%
Lewisburg, TN (FHA|USDA|VA) 1 $385,000 $385,000 $17,727 2.75%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $380,000 $190,000 $2,663 3.75%
PANAMA CITY, FL (FHA|USDA|VA) 2 $370,000 $185,000 $0 3.95%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $355,000 $355,000 $3,766 2.88%
BOULDER, CO (FHA|USDA|VA) 1 $335,000 $335,000 $2,577 2.63%
Pontiac, IL (FHA|USDA|VA) 4 $320,000 $80,000 $2,658 3.81%
Sevierville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $295,000 $295,000 $1,938 3.13%
Centralia, IL (FHA|USDA|VA) 5 $275,000 $55,000 $640 3.78%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $225,000 $75,000 $1,204 3.58%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,461 3.00%
Shelbyville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,153 2.75%
KNOXVILLE, TN (FHA|USDA|VA) 1 $145,000 $145,000 $4,750 3.13%
Jasper, IN (FHA|USDA|VA) 2 $140,000 $70,000 $2,674 3.94%
New Castle, IN (FHA|USDA|VA) 1 $135,000 $135,000 $5,157 2.50%
ROCKFORD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.75%
Angola, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,335 3.25%
PEORIA, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,850 3.00%
MUNCIE, IN (FHA|USDA|VA) 2 $110,000 $55,000 $2,164 4.00%
CaƱon City, CO (FHA|USDA|VA) 1 $105,000 $105,000 $3,528 2.38%
Troy, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,619 3.38%
Paris, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.63%
OWENSBORO, KY (FHA|USDA|VA) 1 $95,000 $95,000 $2,792 4.25%
COLUMBUS, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,437 3.00%
Crawfordsville, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,931 4.75%
Richmond, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,113 2.88%
Bedford, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,151 2.75%
Martin, TN (FHA|USDA|VA) 1 $65,000 $65,000 $95 4.25%
Mayfield, KY (FHA|USDA|VA) 1 $55,000 $55,000 $170 3.50%
Central City, KY (FHA|USDA|VA) 1 $25,000 $25,000 $2,629 2.38%

First Financial Bank's top markets include Terre Haute, Indianapolis, Nashville, Clarksville, and Champaign among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,429 $193,085,000 $135,119 $2,057 3.60%
FHA 41 $5,725,000 $139,634 $5,275 2.99%
USDA 33 $3,655,000 $110,758 $4,427 3.04%
VA 10 $2,350,000 $235,000 $6,016 2.77%

For the 2021 period, First Financial Bank's most frequently originated loan type of loans were Conventional, with 1,429 originations. Their 2nd most popular type is FHA, with 41 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 613 $106,285,000 $173,385 $2,968 3.56%
Refi 479 $54,545,000 $113,873 $1,621 3.51%
Cash Out Refi 251 $34,975,000 $139,343 $2,899 3.26%
Home Improvement 108 $4,910,000 $45,463 $275 4.36%
Other 62 $4,100,000 $66,129 $1,117 3.95%

For the 2021, First Financial Bank's most frequently cited loan purpose of loans were Home Purchase, with 613 originations. The 2nd most popular reason of loans were Refi, with 479 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 705 $117,605,000 $166,816 $3,048 3.52%
15 Year 335 $39,295,000 $117,299 $2,266 3.11%
10 Year 275 $17,395,000 $63,255 $397 4.17%
20 Year 83 $11,325,000 $136,446 $2,652 3.40%
5 Year 56 $12,950,000 $231,250 $164 3.83%
Other 53 $5,305,000 $100,094 $802 3.85%
1 Year 4 $670,000 $167,500 $0 3.94%
30+ year 1 $255,000 $255,000 $3,251 4.75%
3 Year 1 $15,000 $15,000 $153 4.25%

For the 2021, First Financial Bank's most frequently cited loan length of loans were 30 Year, with 705 originations. The 2nd most popular length of loans were 15 Year, with 335 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 546 $84,980,000 $155,641
$1k-2k 432 $64,420,000 $149,120
$2k-3k 35 $5,145,000 $147,000
$3k-4k 12 $2,950,000 $245,833
$5k+ 4 $1,420,000 $355,000

$3,048 of loans were First Financial Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 546 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 672 $98,060,000 $145,923
4-5% 360 $39,010,000 $108,361
2.5-3% 352 $50,000,000 $142,045
<2.5% 102 $16,200,000 $158,824
5-6% 26 $1,500,000 $57,692
6-7% 1 $45,000 $45,000

During 2021, First Financial Bank's average interest rate of loans were 3.52%, while their most frequently originated rate bucket of loans were 3-4%, with 672 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 787 $43,595,000 $55,394 $1,568 3.75%
$100k-200k 471 $67,205,000 $142,686 $2,757 3.35%
$200k-400k 197 $53,065,000 $269,365 $3,226 3.33%
$400k-600k 38 $18,400,000 $484,211 $3,690 3.39%
$1MM+ 10 $15,340,000 $1,534,000 $7,269 4.00%
$600k-1MM 10 $7,210,000 $721,000 $3,190 3.92%

2021 saw First Financial Bank place emphasis on $100,000 or less loans with 787 originations, totaling $43,595,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 452 $33,780,000 $74,735 $2,080 3.57%
$50k-75k 366 $38,000,000 $103,825 $2,273 3.47%
$75k-100k 245 $31,515,000 $128,633 $2,178 3.59%
$100k-150k 199 $30,945,000 $155,503 $2,288 3.57%
$150k-250k 92 $21,200,000 $230,435 $2,786 3.53%
$250k+ 47 $19,975,000 $425,000 $3,662 3.65%

First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 452 originations. The second most popular income band? $50k-75k, with 366 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 431 $49,165,000 $114,072 $2,062 3.55%
30-36% 274 $34,310,000 $125,219 $2,071 3.56%
<20% 211 $21,025,000 $99,645 $1,928 3.48%
38% 54 $6,460,000 $119,630 $2,446 3.59%
39% 47 $6,425,000 $136,702 $2,550 3.61%
37% 47 $5,485,000 $116,702 $2,276 3.55%
42% 46 $6,780,000 $147,391 $2,484 3.53%
43% 44 $9,470,000 $215,227 $3,067 3.53%
41% 39 $5,255,000 $134,744 $2,629 3.53%
36% 39 $5,205,000 $133,462 $2,303 3.47%
40% 31 $3,895,000 $125,645 $2,222 3.59%
44% 27 $4,405,000 $163,148 $2,621 3.36%
50-60% 26 $5,160,000 $198,462 $4,053 3.47%
46% 19 $3,415,000 $179,737 $2,898 3.21%
48% 16 $2,100,000 $131,250 $2,597 3.35%
47% 15 $2,095,000 $139,667 $2,853 3.37%
45% 15 $2,045,000 $136,333 $2,550 3.18%
49% 9 $1,665,000 $185,000 $3,107 3.35%
>60% 6 $1,490,000 $248,333 $2,239 4.46%

First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 431 originations. The next most common DTI ratio? 30-36%, with 274 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,346 $166,510,000 $123,707 $2,190 3.55%
Not applicable 70 $22,750,000 $325,000 $0 3.99%
Not provided 53 $8,805,000 $166,132 $3,486 3.39%
Black 20 $2,600,000 $130,000 $2,252 3.46%
Asian 14 $2,380,000 $170,000 $2,084 3.29%
American Indian 4 $740,000 $185,000 $3,060 3.25%
Asian Indian 4 $700,000 $175,000 $2,538 3.53%
Other Asian 1 $305,000 $305,000 $2,196 3.50%
Native Hawaiian 1 $25,000 $25,000 $2,373 4.25%

Approval Rates

Total approvals of all applications
85.15%

First Financial Bank has an average approval rate.

Pick Rate

Approvals leading to origination
79.85%

First Financial Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 1,513 $204,815,000 $135,370

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,513 $204,815,000 $135,370

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 170 $8,880,000 $52,235 $862 3.94%
40-60% 242 $25,580,000 $105,702 $1,928 3.38%
60-80% 559 $85,155,000 $152,335 $2,471 3.52%
80-100% 450 $80,860,000 $179,689 $2,961 3.45%
Over 100% 8 $2,020,000 $252,500 $6,258 3.80%
Under 20% 84 $2,320,000 $27,619 $276 4.21%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
FIRST FINANCIAL BANCORP Other type of mortgage Trouble during payment process 1 25.0%
FIRST FINANCIAL BANCORP Conventional home mortgage Struggling to pay mortgage 1 25.0%
FIRST FINANCIAL BANCORP Conventional home mortgage Trouble during payment process 1 25.0%
FIRST FINANCIAL BANCORP Home equity loan or line of credit (HELOC) Trouble during payment process 1 25.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First Financial Bank, National Association 1 Brickyard Drive, Suite 301 Bloomington, IL 61701 Full Service B&M $26,177
First Financial Bank, National Association 1 Towne Centre Danville, IL 61832 Full Service B&M $1,701
First Financial Bank, National Association 10 Main Street Marshall, IN 47859 Full Service B&M $26,113
First Financial Bank, National Association 100 W. Market St. Newport, IN 47966 Full Service B&M $36,901
First Financial Bank, National Association 101 Broadway Avenue-East Mattoon, IL 61938 Full Service B&M $10,603
First Financial Bank, National Association 101 East Main Street Westville, IL 61883 Full Service B&M $37,923
First Financial Bank, National Association 101 S. Division Street Cayuga, IN 47928 Full Service B&M $45,196
First Financial Bank, National Association 101 South Warren Drive Greencastle, IN 46135 Full Service B&M $34,894
First Financial Bank, National Association 102 S. Main St. Hymera, IN 47855 Full Service B&M $17,404
First Financial Bank, National Association 1023 West Reynolds Street Pontiac, IL 61764 Limited, Drive-thru $18,945
First Financial Bank, National Association 104 West Kingston Spring Road Kingston Springs, TN 37082 Full Service B&M $42,238
First Financial Bank, National Association 108 Cumberland Street Ashland City, TN 37015 Full Service B&M $48,610
First Financial Bank, National Association 108 West Main Robinson, IL 62454 Full Service B&M $87,425
First Financial Bank, National Association 2425 South State Road 46 Terre Haute, IN 47803 Full Service B&M $52,486
First Financial Bank, National Association 2510 South Philo Road Urbana, IL 61802 Full Service B&M $56,895
First Financial Bank, National Association 2556 Highway 49 East Pleasant View, TN 37146 Full Service B&M $43,323
First Financial Bank, National Association 2700 Fort Campbell Blvd Hopkinsville, KY 42240 Full Service B&M $174,228
First Financial Bank, National Association 2707 North 6th Street Vincennes, IN 47591 Full Service B&M $41,442
First Financial Bank, National Association 2750 North Vermilion Danville, IL 61832 Full Service B&M $67,065
First Financial Bank, National Association 300 East Main Street Washington, IN 47501 Full Service B&M $62,670
First Financial Bank, National Association 3005 S. 7th St. Terre Haute, IN 47802 Full Service B&M $58,084
First Financial Bank, National Association 303 West Delaware Street Fairfield, IL 62837 Full Service B&M $10,286
First Financial Bank, National Association 306 Lake Street Fulton, KY 42041 Full Service B&M $113,846
First Financial Bank, National Association 309 West National Avenue West Terre Haute, IN 47885 Full Service B&M $55,673
First Financial Bank, National Association 322 Main St. Clarksville, TN 37042 Full Service B&M $25,452
First Financial Bank, National Association 602 West Walnut Street Robinson, IL 62454 Limited, Drive-thru $0
First Financial Bank, National Association 605 Lincoln Street Charleston, IL 61920 Full Service B&M $32,087
First Financial Bank, National Association 605 S Virginia St Hopkinsville, KY 42240 Full Service B&M $0
First Financial Bank, National Association 607 Highland Drive Fulton, KY 42041 Full Service B&M $0
First Financial Bank, National Association 619 Main Street Vincennes, IN 47591 Full Service B&M $53,954
First Financial Bank, National Association 660 Main Street Benton, KY 42025 Full Service B&M $38,228
First Financial Bank, National Association 7995 N. State Road 59 Brazil, IN 47834 Full Service B&M $65,001
First Financial Bank, National Association 819 W. Main St. Farmersburg, IN 47850 Full Service B&M $36,056
First Financial Bank, National Association 820 West Lincoln Charleston, IL 61920 Full Service B&M $17,217
First Financial Bank, National Association 879 S. 3rd Street Dugger, IN 47848 Full Service B&M $22,224
First Financial Bank, National Association 9 North Commercial Street Worthington, IN 47471 Full Service B&M $57,663
First Financial Bank, National Association 900 Main Street Mount Vernon, IL 62864 Full Service B&M $46,946
First Financial Bank, National Association 901 North Gilbert Danville, IL 61832 Full Service B&M $41,084
First Financial Bank, National Association 601 W. Jourdan St. Newton, IL 62448 Full Service B&M $12,744
First Financial Bank, National Association 11 South State Street Ridge Farm, IL 61870 Full Service B&M $23,396
First Financial Bank, National Association 1110 South West Olney, IL 62450 Full Service B&M $12,710
First Financial Bank, National Association 120 East Ohio Street Rockville, IN 47872 Limited, Drive-thru $0
First Financial Bank, National Association 1205 S. Neil St. Champaign, IL 61820 Full Service B&M $18,183
First Financial Bank, National Association 1218 Towanda Avenue Bloomington, IL 61701 Full Service B&M $26,367
First Financial Bank, National Association 12600 N. Us Hwy 41 Evansville, IN 47725 Full Service B&M $33,720
First Financial Bank, National Association 1311 N. Lincoln Rd. Rockville, IN 47872 Full Service B&M $99,685
First Financial Bank, National Association 1365 West Main Salem, IL 62881 Limited, Drive-thru $0
First Financial Bank, National Association 15 South Main Street Sullivan, IN 47882 Full Service B&M $126,909
First Financial Bank, National Association 1601 North 12th Street Murray, KY 42071 Full Service B&M $91,856
First Financial Bank, National Association 1601 State Street Lawrenceville, IL 62439 Full Service B&M $20,570
First Financial Bank, National Association 1611 South Prospect Avenue Champaign, IL 61821 Full Service B&M $26,201
First Financial Bank, National Association Hopkinsville Street Elkton, KY 42220 Full Service B&M $57,920
First Financial Bank, National Association 1749 East Industrial Drive Terre Haute, IN 47802 Full Service B&M $30,398
First Financial Bank, National Association 1775 East State Road 163 Clinton, IN 47842 Full Service B&M $40,648
First Financial Bank, National Association 2001 Fort Harrison Rd Terre Haute, IN 47804 Full Service B&M $172,105
First Financial Bank, National Association 202 Eastwood Drive Mahomet, IL 61853 Full Service Retail $19,893
First Financial Bank, National Association 210 North 12th Street Murray, KY 42071 Full Service B&M $12,419
First Financial Bank, National Association 212 West Oak Street West Frankfort, IL 62896 Full Service B&M $14,577
First Financial Bank, National Association 215 North Michigan Avenue Marshall, IL 62441 Full Service B&M $63,731
First Financial Bank, National Association 2180 E National Ave Brazil, IN 47834 Full Service B&M $52,930
First Financial Bank, National Association 2185 Madison St. Clarksville, TN 37043 Full Service B&M $31,459
First Financial Bank, National Association 221 South Main Street Clinton, IN 47842 Full Service B&M $43,264
First Financial Bank, National Association 223 North Mill Street Pontiac, IL 61764 Full Service B&M $56,781
First Financial Bank, National Association 232 East Crawford Street Montezuma, IN 47862 Full Service B&M $19,999
First Financial Bank, National Association 240 East Chestnut St Olney, IL 62450 Full Service B&M $27,294
First Financial Bank, National Association 325 Center Street Gridley, IL 61744 Full Service B&M $14,302
First Financial Bank, National Association 3303 Broadway Mount Vernon, IL 62864 Limited, Drive-thru $0
First Financial Bank, National Association 35 Oak Plaza Drive Calvert City, KY 42029 Full Service B&M $26,095
First Financial Bank, National Association 350 South 25th Street Terre Haute, IN 47803 Full Service B&M $169,794
First Financial Bank, National Association 352 East Main St Cadiz, KY 42211 Full Service B&M $39,389
First Financial Bank, National Association 3711 West Main Street Erin, TN 37061 Full Service B&M $14,976
First Financial Bank, National Association 3845 Trenton Rd Clarksville, TN 37040 Full Service B&M $11,565
First Financial Bank, National Association 400 Public Square Benton, IL 62812 Full Service B&M $30,367
First Financial Bank, National Association 401 West Main Street Salem, IL 62881 Full Service B&M $41,767
First Financial Bank, National Association 4155 Lafayette Rd Hopkinsville, KY 42240 Full Service B&M $54,286
First Financial Bank, National Association 421 South Gilbert Danville, IL 61832 Full Service B&M $0
First Financial Bank, National Association 4500 South Us Highway 41 Terre Haute, IN 47802 Full Service B&M $195,245
First Financial Bank, National Association 502-504 Main Street Clay City, IN 47841 Full Service B&M $27,617
First Financial Bank, National Association 1 First Financial Plz Terre Haute, IN 47807 Full Service B&M $496,702
First Financial Bank, National Association 9520 E. U.S. Highway 40 Seelyville, IN 47878 Full Service B&M $36,678

For 2021, First Financial Bank had 80 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $136,686
Net interest income $128,855
Total noninterest income $44,012
Gross Fiduciary activities income $5,256
Service charges on deposit accounts $10,624
Trading account gains and fees $0
Additional Noninterest Income $28,132
Pre-tax net operating income $56,352
Securities gains (or losses, -) $114
Income before extraordinary items $45,678
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $45,678
Minority interest net income $0
Net income $45,678
Sale, conversion, retirement of capital stock, net $0
Net operating income $45,585

First Financial Bank's gross interest income from loans was $136,686,000.
First Financial Bank's net interest income from loans was $128,855,000.
First Financial Bank's fee based income from loans was $10,624,000.
First Financial Bank's net income from loans was $45,678,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $7,831
Provision for credit losses $1,766
Total noninterest expense $114,749
Salaries and employee benefits $62,966
Premises and equipment expense $19,230
Additional noninterest expense $32,553
Applicable income taxes $10,788
Net charge-offs $2,461
Cash dividends $95,600

First Financial Bank's interest expense for loans was $7,831,000.
First Financial Bank's payroll and benefits expense were $62,966,000.
First Financial Bank's property, plant and equipment expenses $19,230,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $4,338,241
Deposits held in domestic offices $4,338,241
Deposits by Individuals, partnerships, and corporations $3,686,649
Deposits by U.S. Government $9
Deposits by States and political subdivisions in the U.S. $644,621
Deposits by Commercial banks and other depository institutions in U.S. $6,962
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $416,609
Demand deposits $387,188
Nontransaction accounts $3,921,632
Money market deposit accounts (MMDAs) $1,920,173
Other savings deposits (excluding MMDAs) $1,530,567
Total time deposits $470,892
Total time and savings deposits $3,951,053
Noninterest-bearing deposits $786,697
Interest-bearing deposits $3,551,544
Retail deposits $4,278,324
IRAs and Keogh plan accounts $95,961
Brokered deposits $2,609
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $5,045,573
Cash & Balances due from depository institutions $682,296
Interest-bearing balances $644,541
Total securities $1,358,824
Federal funds sold & reverse repurchase $2,908
Net loans and leases $2,651,770
Loan and leases loss allowance $41,810
Trading account assets $0
Bank premises and fixed assets $65,021
Other real estate owned $109
Goodwill and other intangibles $96,247
All other assets $188,398

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $5,045,573
Total Liabilities $4,509,486
Total deposits $4,338,241
Interest-bearing deposits $3,551,544
Deposits held in domestic offices $4,338,241
% insured (estimated) $75
Federal funds purchased and repurchase agreements $93,375
Trading liabilities $0
Other borrowed funds $15,936
Subordinated debt $0
All other liabilities $61,934

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,651,770
Loan and leases loss allowance $41,810
Total loans and leases (domestic) $2,693,580
All real estate loans $1,392,292
Real estate loans in domestic offices $1,392,292
Construction and development loans $262,209
Residential 1-4 family construction $31,281
Other construction, all land development and other land $230,928
Loans secured by nonfarm nonresidential properties $360,010
Nonfarm nonresidential secured by owner-occupied properties $46,754
Commercial real estate & other non-farm, non-residential $313,256
Multifamily residential real estate $178,658
1-4 family residential loans $452,388
Farmland loans $139,027
Loans held in foreign offices $0
Farm loans $140,266
Commercial and industrial loans $692,608
To non-U.S. addressees $0
Loans to individuals $360,975
Credit card loans $3,908
Related Plans $0
Consumer Auto Loans $328,451
Other loans to individuals $28,616
All other loans & leases $107,439
Loans to foreign governments and official institutions $0
Other loans $13,443
Loans to depository institutions and acceptances of other banks $33,701
Loans not secured by real estate $2,792
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $2,072
Non 1-4 family restructured loans & leases $715
Total loans and leases (foreign) $0

First Financial Bank had $2,651,770,000 of loans outstanding in 2021. $1,392,292,000 of loans were in real estate loans. $262,209,000 of loans were in development loans. $178,658,000 of loans were in multifamily mortgage loans. $452,388,000 of loans were in 1-4 family mortgage loans. $140,266,000 of loans were in farm loans. $3,908,000 of loans were in credit card loans. $328,451,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 544 $93,572 $172,007
Nonfarm, nonresidential loans - <$100k 186 $6,634 $35,667
Nonfarm, nonresidential loans - $100-250k 171 $18,261 $106,789
Nonfarm, nonresidential loans - $250k-1MM 187 $68,677 $367,257
Commercial & Industrial, US addressed loans - <$1MM 3,728 $258,916 $69,452
Commercial & Industrial, US addressed loans - <$100k 2,757 $69,844 $25,333
Commercial & Industrial, US addressed loans - $100-250k 557 $57,403 $103,057
Commercial & Industrial, US addressed loans - $250k-1MM 414 $131,669 $318,041
Farmland loans - <$1MM 575 $63,812 $110,977
Farmland loans - <$100k 231 $8,585 $37,165
Farmland loans - $100-250k 224 $25,311 $112,996
Farmland loans - $250k-1MM 120 $29,916 $249,300
Agriculture operations loans - <$1MM 820 $58,110 $70,866
Agriculture operations loans - <$100k 532 $13,505 $25,385
Agriculture operations loans - $100-250k 186 $21,280 $114,409
Agriculture operations loans - $250k-1MM 102 $23,325 $228,676