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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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% 4/21/24
    30 Year Conventional Purchase 7.23% 4/21/24
    30 Year Conventional Refi 6.96% 4/21/24
    30 Year Cash-out Refi 7.19% 4/21/24
    30 Year FHA Purchase 7.66% 4/21/24
    30 Year FHA Refi 7.92% 4/21/24
    30 Year VA Purchase 6.55% 4/21/24
    30 Year USDA Purchase 7.43% 4/21/24
    15 Year Conventional Purchase 6.73% 4/21/24
    15 Year Conventional Refi 6.55% 4/21/24
    15 Year Cash-out Refi 6.55% 4/21/24
    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






    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 First Financial Bank USDA Loans bronze First Financial Bank USDA Loans gold
    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