First Financial Bank Mortgage Rates, Fees & Info

Terre Haute, IN

LEI: 549300E0S1LZYZ9QNX81

Tax ID: 35-0704860

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

First Financial Bank is a smaller bank specializing in Home Purchase loans. First Financial Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Terre Haute, Danville, Champaign, Charleston, and Indianapolis among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.27%	11/23/24
30 Year Conventional Purchase	7.23%	11/23/24
30 Year Conventional Refi	6.96%	11/23/24
30 Year Cash-out Refi	7.19%	11/23/24
30 Year FHA Purchase	7.66%	11/23/24
30 Year FHA Refi	7.92%	11/23/24
30 Year VA Purchase	6.55%	11/23/24
30 Year USDA Purchase	7.43%	11/23/24
15 Year Conventional Purchase	6.73%	11/23/24
15 Year Conventional Refi	6.55%	11/23/24
15 Year Cash-out Refi	6.55%	11/23/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Financial Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Financial Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

1,263

Origination Dollar Volume (All Markets)

$128,665,000

Employee count

791

Awards

First Financial Bank 30 Year Conventional Loans bronze

Show all (3) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
TERRE HAUTE, IN (FHA\|USDA\|VA)	789	$63,785,000	$80,843	$1,518	5.04%
Outside of Metro Areas	195	$20,285,000	$104,026	$1,288	5.07%
DANVILLE, IL (FHA\|USDA\|VA)	77	$12,635,000	$164,091	$1,168	4.95%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	32	$10,900,000	$340,625	$2,367	4.85%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	21	$5,775,000	$275,000	$837	4.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	37	$4,455,000	$120,405	$2,231	5.03%
Vincennes, IN (FHA\|USDA\|VA)	29	$2,985,000	$102,931	$1,051	5.04%
BLOOMINGTON, IL (FHA\|USDA\|VA)	13	$1,185,000	$91,154	$2,928	5.11%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	12	$1,110,000	$92,500	$216	5.45%
BLOOMINGTON, IN (FHA\|USDA\|VA)	15	$1,075,000	$71,667	$1,362	4.97%
Washington, IN (FHA\|USDA\|VA)	7	$615,000	$87,857	$1,526	4.97%
PANAMA CITY, FL (FHA\|USDA\|VA)	2	$550,000	$275,000	$2,461	4.81%
Mount Vernon, IL (FHA\|USDA\|VA)	4	$450,000	$112,500	$964	5.03%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,278	4.88%
Centralia, IL (FHA\|USDA\|VA)	7	$395,000	$56,429	$1,806	4.36%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$255,000	$85,000	$2,333	4.79%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	5.39%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,989	4.50%
Pontiac, IL (FHA\|USDA\|VA)	5	$195,000	$39,000	$146	4.60%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,149	4.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,101	4.25%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,024	5.00%
COLUMBUS, IN (FHA\|USDA\|VA)	1	$105,000	$105,000	$1,860	4.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,084	4.88%
PEORIA, IL (FHA\|USDA\|VA)	1	$105,000	$105,000	$214	4.75%
Bedford, IN (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,117	4.50%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,301	4.75%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	2	$80,000	$40,000	$1,039	4.63%
Frankfort, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,037	4.63%
Jasper, IN (FHA\|USDA\|VA)	1	$15,000	$15,000	$20	5.00%

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

Their top states include:

Indiana (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Kentucky (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against First Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Terre Haute Savings Bank
Similarity Rank: 18

ISU Federal Credit Union
Similarity Rank: 30

First Bank & Trust IL
Similarity Rank: 45

Prairie State Bank and Trust
Similarity Rank: 69

The Fisher National Bank
Similarity Rank: 90

Vibrant Credit Union
Similarity Rank: 132

Community Mortgage Banc Corporation
Similarity Rank: 156

Greenfield Banking Company
Similarity Rank: 255

Paramount Bond & Mortgage Co Inc.
Similarity Rank: 270

First Advantage Bank
Similarity Rank: 270

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,214	$124,880,000	$102,867	$1,392	5.02%
USDA	49	$3,785,000	$77,245	$3,507	5.06%

For 2018, First Financial Bank's most frequently originated type of loan was Conventional, with 1,214 originations. Their 2nd most popular type was USDA, with 49 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	578	$84,030,000	$145,381	$2,414	5.05%
Refi	229	$23,525,000	$102,729	$920	4.99%
Home Improvement	223	$7,295,000	$32,713	$279	5.05%
Cash Out Refi	127	$10,465,000	$82,402	$1,720	4.85%
Other	106	$3,350,000	$31,604	$322	5.11%

For 2018, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 578 originations. The 2nd most popular reason was Refi, with 229 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	460	$56,270,000	$122,326	$2,749	5.10%
10 Year	384	$21,910,000	$57,057	$180	5.09%
15 Year	211	$17,095,000	$81,019	$1,606	4.98%
5 Year	81	$2,905,000	$35,864	$195	4.62%
Other	73	$20,585,000	$281,986	$586	4.86%
20 Year	50	$9,780,000	$195,600	$2,598	4.93%
1 Year	2	$110,000	$55,000	$0	5.88%
3 Year	2	$10,000	$5,000	$194	4.63%

For 2018, First Financial Bank's most frequently cited loan duration was 30 Year, with 460 originations. The 2nd most popular length was 10 Year, with 384 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	297	$28,225,000	$95,034
$1k-2k	234	$29,660,000	$126,752
$2k-3k	46	$6,250,000	$135,870
$3k-4k	16	$3,140,000	$196,250
$5k+	4	$1,110,000	$277,500
$4k-5k	3	$625,000	$208,333

First Financial Bank's average total fees were $2,749, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 297 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	712	$76,120,000	$106,910
5-6%	440	$40,990,000	$93,159
6-7%	60	$7,890,000	$131,500
3-4%	51	$3,665,000	$71,863

During 2018, First Financial Bank's average interest rate for loans was 5.10%, while their most frequently originated rate bucket for loans was 4-5%, with 712 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	934	$41,390,000	$44,315	$1,035	5.02%
$100k-200k	233	$32,255,000	$138,433	$2,621	5.00%
$200k-400k	83	$21,405,000	$257,892	$3,338	5.18%
$1MM+	6	$30,140,000	$5,023,333	$0	5.01%
$400k-600k	6	$2,620,000	$436,667	$2,924	5.21%
$600k-1MM	1	$855,000	$855,000	$3,394	4.88%

2018 saw First Financial Bank place emphasis on $100,000 or less loans with 934 originations, totaling $41,390,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	477	$23,965,000	$50,241	$1,246	4.98%
$50k-75k	294	$20,700,000	$70,408	$1,559	4.99%
$75k-100k	189	$16,135,000	$85,370	$1,581	5.07%
$100k-150k	145	$16,945,000	$116,862	$1,749	5.10%
$150k-250k	48	$7,120,000	$148,333	$2,426	5.06%
$250k+	15	$3,085,000	$205,667	$2,889	4.90%

First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 477 originations. The second most popular income band? $50k-75k, with 294 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	355	$25,205,000	$71,000	$1,452	4.98%
30-36%	249	$18,355,000	$73,715	$1,255	5.02%
<20%	190	$11,220,000	$59,053	$1,243	4.77%
40%	59	$4,525,000	$76,695	$1,353	5.24%
36%	49	$3,965,000	$80,918	$1,629	4.95%
39%	46	$4,260,000	$92,609	$1,657	5.10%
38%	40	$2,350,000	$58,750	$1,230	5.07%
37%	40	$2,820,000	$70,500	$1,266	5.13%
41%	31	$3,025,000	$97,581	$2,236	5.11%
43%	21	$2,665,000	$126,905	$2,641	5.15%
42%	19	$2,625,000	$138,158	$2,517	5.14%
47%	13	$2,345,000	$180,385	$2,310	5.05%
>60%	13	$1,005,000	$77,308	$1,699	5.22%
44%	12	$1,430,000	$119,167	$2,507	4.90%
46%	10	$970,000	$97,000	$2,428	4.93%
50-60%	8	$1,230,000	$153,750	$2,128	4.88%
49%	7	$685,000	$97,857	$2,121	4.61%
45%	7	$645,000	$92,143	$2,719	4.98%
48%	5	$675,000	$135,000	$2,647	5.38%

First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 355 originations. The next most common DTI ratio? 30-36%, with 249 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,170	$89,330,000	$76,350	$1,479	5.01%
Not applicable	48	$35,210,000	$733,542	$0	5.39%
Asian	13	$2,025,000	$155,769	$2,270	5.01%
Black	14	$950,000	$67,857	$1,421	5.24%
Not provided	10	$690,000	$69,000	$1,174	4.85%
American Indian	4	$210,000	$52,500	$1,733	5.03%
Japanese	1	$115,000	$115,000	$0	5.63%
Asian Indian	2	$110,000	$55,000	$1,725	5.01%
Korean	1	$25,000	$25,000	$216	4.50%

Approval Rates

Total approvals of all applications
82.76%

First Financial Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
85.04%

First Financial Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,263	$128,665,000	$101,873

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	25	$33,835,000	$1,353,400
Single Family (1-4 Units):Manufactured	95	$4,505,000	$47,421
Single Family (1-4 Units):Site-Built	1,143	$90,325,000	$79,024

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	189	$7,715,000	$40,820	$391	5.01%
40-60%	168	$15,320,000	$91,190	$911	4.91%
60-80%	352	$55,110,000	$156,563	$1,878	5.02%
80-100%	401	$46,955,000	$117,095	$2,404	5.07%
Over 100%	3	$405,000	$135,000	$3,319	5.04%
Under 20%	148	$3,140,000	$21,216	$230	5.06%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
FIRST HORIZON BANK	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	7.1%
FIRST HORIZON BANK	Home equity loan or line of credit (HELOC)	Incorrect information on your report	1	7.1%
FIRST HORIZON BANK	Other type of mortgage	Trouble during payment process	1	7.1%
FIRST HORIZON BANK	Home equity loan or line of credit (HELOC)	Trouble during payment process	1	7.1%
FIRST HORIZON BANK	FHA mortgage	Trouble during payment process	1	7.1%
FIRST HORIZON BANK	Conventional home mortgage	Trouble during payment process	5	35.7%
FIRST HORIZON BANK	Home equity loan or line of credit (HELOC)	Problem with a credit reporting company's investigation into an existing problem	1	7.1%
FIRST HORIZON BANK	Conventional home mortgage	Struggling to pay mortgage	3	21.4%

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	$13,605
First Financial Bank, National Association	1 Towne Centre Danville, IL 61832	Full Service B&M	$74,145
First Financial Bank, National Association	10 Main Street Marshall, IN 47859	Full Service B&M	$29,079
First Financial Bank, National Association	100 W. Market St. Newport, IN 47966	Full Service B&M	$27,944
First Financial Bank, National Association	101 Broadway Avenue-East Mattoon, IL 61938	Full Service B&M	$8,263
First Financial Bank, National Association	101 East Main Street Westville, IL 61883	Full Service B&M	$29,031
First Financial Bank, National Association	101 S. Division Street Cayuga, IN 47928	Full Service B&M	$28,500
First Financial Bank, National Association	101 South Warren Drive Greencastle, IN 46135	Full Service B&M	$24,081
First Financial Bank, National Association	102 S. Main St. Hymera, IN 47855	Full Service B&M	$17,601
First Financial Bank, National Association	1023 West Reynolds Street Pontiac, IL 61764	Limited, Drive-thru	$7,758
First Financial Bank, National Association	108 West Main Robinson, IL 62454	Full Service B&M	$78,451
First Financial Bank, National Association	11 South State Street Ridge Farm, IL 61870	Full Service B&M	$20,876
First Financial Bank, National Association	1110 South West Olney, IL 62450	Full Service B&M	$9,324
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	$22,494
First Financial Bank, National Association	1218 Towanda Avenue Bloomington, IL 61701	Full Service B&M	$23,705
First Financial Bank, National Association	12600 N. Us Hwy 41 Evansville, IN 47725	Full Service B&M	$17,600
First Financial Bank, National Association	1311 N. Lincoln Rd. Rockville, IN 47872	Full Service B&M	$63,246
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	$94,016
First Financial Bank, National Association	1501 West Broadway Princeton, IN 47670	Full Service B&M	$3,280
First Financial Bank, National Association	1601 State Street Lawrenceville, IL 62439	Full Service B&M	$17,638
First Financial Bank, National Association	1611 South Prospect Avenue Champaign, IL 61821	Full Service B&M	$22,454
First Financial Bank, National Association	1749 East Industrial Drive Terre Haute, IN 47802	Full Service B&M	$25,697
First Financial Bank, National Association	1775 East State Road 163 Clinton, IN 47842	Full Service B&M	$30,189
First Financial Bank, National Association	1800 E. Ft. Harrison St. Terre Haute, IN 47805	Full Service B&M	$87,222
First Financial Bank, National Association	202 Eastwood Drive Mahomet, IL 61853	Full Service Retail	$12,136
First Financial Bank, National Association	212 West Oak Street West Frankfort, IL 62896	Full Service B&M	$13,352
First Financial Bank, National Association	215 North Michigan Avenue Marshall, IL 62441	Full Service B&M	$52,982
First Financial Bank, National Association	2180 E National Ave Brazil, IN 47834	Full Service B&M	$43,894
First Financial Bank, National Association	221 South Main Street Clinton, IN 47842	Full Service B&M	$32,924
First Financial Bank, National Association	223 North Mill Street Pontiac, IL 61764	Full Service B&M	$64,772
First Financial Bank, National Association	232 East Crawford Street Montezuma, IN 47862	Full Service B&M	$18,160
First Financial Bank, National Association	240 East Chestnut St Olney, IL 62450	Full Service B&M	$25,958
First Financial Bank, National Association	2425 South State Road 46 Terre Haute, IN 47803	Full Service B&M	$36,002
First Financial Bank, National Association	2510 South Philo Road Urbana, IL 61802	Full Service B&M	$18,663
First Financial Bank, National Association	2707 North 6th Street Vincennes, IN 47591	Full Service B&M	$35,880
First Financial Bank, National Association	2750 North Vermilion Danville, IL 61832	Full Service B&M	$53,650
First Financial Bank, National Association	300 East Main Street Washington, IN 47501	Full Service B&M	$50,761
First Financial Bank, National Association	3005 S. 7th St. Terre Haute, IN 47802	Full Service B&M	$45,472
First Financial Bank, National Association	303 West Delaware Street Fairfield, IL 62837	Full Service B&M	$11,580
First Financial Bank, National Association	309 West National Avenue West Terre Haute, IN 47885	Full Service B&M	$46,264
First Financial Bank, National Association	325 Center Street Gridley, IL 61744	Full Service B&M	$12,932
First Financial Bank, National Association	3303 Broadway Mount Vernon, IL 62864	Limited, Drive-thru	$0
First Financial Bank, National Association	3401 South Us 41 Terre Haute, IN 47802	Full Service B&M	$32,453
First Financial Bank, National Association	350 South 25th Street Terre Haute, IN 47803	Full Service B&M	$150,291
First Financial Bank, National Association	400 Public Square Benton, IL 62812	Full Service B&M	$28,380
First Financial Bank, National Association	401 West Main Street Salem, IL 62881	Full Service B&M	$28,891
First Financial Bank, National Association	4065 Maple Avenue Terre Haute, IN 47804	Full Service B&M	$27,925
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	$112,725
First Financial Bank, National Association	502-504 Main Street Clay City, IN 47841	Full Service B&M	$23,774
First Financial Bank, National Association	601 W. Jourdan St. Newton, IL 62448	Full Service B&M	$11,915
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	$26,334
First Financial Bank, National Association	619 Main Street Vincennes, IN 47591	Full Service B&M	$42,193
First Financial Bank, National Association	7995 N. State Road 59 Brazil, IN 47834	Full Service B&M	$27,939
First Financial Bank, National Association	819 W. Main St. Farmersburg, IN 47850	Full Service B&M	$20,414
First Financial Bank, National Association	820 West Lincoln Charleston, IL 61920	Full Service B&M	$14,248
First Financial Bank, National Association	879 S. 3rd Street Dugger, IN 47848	Full Service B&M	$16,029
First Financial Bank, National Association	9 North Commercial Street Worthington, IN 47471	Full Service B&M	$40,241
First Financial Bank, National Association	900 Main Street Mount Vernon, IL 62864	Full Service B&M	$37,781
First Financial Bank, National Association	901 North Gilbert Danville, IL 61832	Full Service B&M	$31,780
First Financial Bank, National Association	9520 E. U.S. Highway 40 Seelyville, IN 47878	Full Service B&M	$29,307
First Financial Bank, National Association	One First Financial Plz Terre Haute, IN 47807	Full Service B&M	$340,092

For 2018, First Financial Bank had 65 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$114,774
Net interest income	$105,786
Total noninterest income	$39,774
Gross Fiduciary activities income	$4,720
Service charges on deposit accounts	$11,983
Trading account gains and fees	$0
Additional Noninterest Income	$23,071
Pre-tax net operating income	$54,688
Securities gains (or losses, -)	$2
Income before extraordinary items	$43,742
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$43,742
Minority interest net income	$0
Net income	$43,742
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$43,740

First Financial Bank's gross interest income from loans was $114,774,000.
First Financial Bank's net interest income from loans was $105,786,000.
First Financial Bank's fee based income from loans was $11,983,000.
First Financial Bank's net income from loans was $43,742,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$8,988
Provision for credit losses	$2,750
Total noninterest expense	$88,122
Salaries and employee benefits	$49,281
Premises and equipment expense	$14,102
Additional noninterest expense	$24,739
Applicable income taxes	$10,948
Net charge-offs	$2,908
Cash dividends	$11,832

First Financial Bank's interest expense for loans was $8,988,000.
First Financial Bank's payroll and benefits expense were $49,281,000.
First Financial Bank's property, plant and equipment expenses $14,102,000.

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	1.0%
HELOC loans	0.0%
All other family	1.0%
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	$2,390,773
Deposits held in domestic offices	$2,390,773
Deposits by Individuals, partnerships, and corporations	$1,997,022
Deposits by U.S. Government	$16
Deposits by States and political subdivisions in the U.S.	$389,329
Deposits by Commercial banks and other depository institutions in U.S.	$4,406
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$250,791
Demand deposits	$219,616
Nontransaction accounts	$2,139,982
Money market deposit accounts (MMDAs)	$1,000,365
Other savings deposits (excluding MMDAs)	$879,708
Total time deposits	$259,910
Total time and savings deposits	$2,171,157
Noninterest-bearing deposits	$436,266
Interest-bearing deposits	$1,954,507
Retail deposits	$2,355,393
IRAs and Keogh plan accounts	$65,814
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$2,923,813
Cash & Balances due from depository institutions	$69,851
Interest-bearing balances	$9,451
Total securities	$780,607
Federal funds sold & reverse repurchase	$1,500
Net loans and leases	$1,866,865
Loan and leases loss allowance	$16,372
Trading account assets	$0
Bank premises and fixed assets	$41,267
Other real estate owned	$399
Goodwill and other intangibles	$35,016
All other assets	$128,308

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$2,923,813
Total Liabilities	$2,508,437
Total deposits	$2,390,773
Interest-bearing deposits	$1,954,507
Deposits held in domestic offices	$2,390,773
% insured (estimated)	$72
Federal funds purchased and repurchase agreements	$67,233
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$50,431

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,866,865
Loan and leases loss allowance	$16,372
Total loans and leases (domestic)	$1,883,237
All real estate loans	$846,911
Real estate loans in domestic offices	$846,911
Construction and development loans	$116,958
Residential 1-4 family construction	$9,089
Other construction, all land development and other land	$107,869
Loans secured by nonfarm nonresidential properties	$187,955
Nonfarm nonresidential secured by owner-occupied properties	$10,613
Commercial real estate & other non-farm, non-residential	$177,342
Multifamily residential real estate	$109,149
1-4 family residential loans	$327,108
Farmland loans	$105,741
Loans held in foreign offices	$0
Farm loans	$140,697
Commercial and industrial loans	$517,789
To non-U.S. addressees	$0
Loans to individuals	$278,316
Credit card loans	$3,243
Related Plans	$0
Consumer Auto Loans	$252,082
Other loans to individuals	$22,991
All other loans & leases	$99,524
Loans to foreign governments and official institutions	$0
Other loans	$21,148
Loans to depository institutions and acceptances of other banks	$4,909
Loans not secured by real estate	$1,865
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$2,267
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

First Financial Bank had $1,866,865,000 of loans outstanding in 2018. $846,911,000 of loans were in real estate loans. $116,958,000 of loans were in development loans. $109,149,000 of loans were in multifamily mortgage loans. $327,108,000 of loans were in 1-4 family mortgage loans. $140,697,000 of loans were in farm loans. $3,243,000 of loans were in credit card loans. $252,082,000 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	485	$60,582	$124,911
Nonfarm, nonresidential loans - <$100k	218	$6,620	$30,367
Nonfarm, nonresidential loans - $100-250k	145	$14,222	$98,083
Nonfarm, nonresidential loans - $250k-1MM	122	$39,740	$325,738
Commercial & Industrial, US addressed loans - <$1MM	4,156	$219,897	$52,911
Commercial & Industrial, US addressed loans - <$100k	3,485	$90,840	$26,066
Commercial & Industrial, US addressed loans - $100-250k	394	$39,064	$99,147
Commercial & Industrial, US addressed loans - $250k-1MM	277	$89,993	$324,884
Farmland loans - <$1MM	485	$56,209	$115,895
Farmland loans - <$100k	209	$8,234	$39,397
Farmland loans - $100-250k	176	$21,180	$120,341
Farmland loans - $250k-1MM	100	$26,795	$267,950
Agriculture operations loans - <$1MM	861	$61,754	$71,724
Agriculture operations loans - <$100k	575	$14,154	$24,616
Agriculture operations loans - $100-250k	190	$21,178	$111,463
Agriculture operations loans - $250k-1MM	96	$26,422	$275,229