First Financial Bank Mortgage Rates, Fees & Info

Terre Haute, IN

LEI: 549300E0S1LZYZ9QNX81

Tax ID: 35-0704860

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Mortgage Data

Bank 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Terre Haute, Champaign, Indianapolis, Bloomington, and Danville among others. We have data for 49 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% 3/24/24
30 Year Conventional Purchase 7.23% 3/24/24
30 Year Conventional Refi 6.96% 3/24/24
30 Year Cash-out Refi 7.19% 3/24/24
30 Year FHA Purchase 7.66% 3/24/24
30 Year FHA Refi 7.92% 3/24/24
30 Year VA Purchase 6.55% 3/24/24
30 Year USDA Purchase 7.43% 3/24/24
15 Year Conventional Purchase 6.73% 3/24/24
15 Year Conventional Refi 6.55% 3/24/24
15 Year Cash-out Refi 6.55% 3/24/24
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

1,362

Origination Dollar Volume (All Markets)

$154,610,000

Employee count

958 Show all (7) 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) 736 $67,270,000 $91,399 $1,677 4.65%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 45 $18,345,000 $407,667 $1,966 4.44%
Outside of Metro Areas 206 $15,640,000 $75,922 $1,539 4.64%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 82 $14,410,000 $175,732 $2,512 4.37%
BLOOMINGTON, IN (FHA|USDA|VA) 24 $5,050,000 $210,417 $1,259 4.81%
DANVILLE, IL (FHA|USDA|VA) 60 $3,990,000 $66,500 $1,099 4.71%
Murray, KY (FHA|USDA|VA) 15 $3,645,000 $243,000 $3,034 4.20%
BLOOMINGTON, IL (FHA|USDA|VA) 23 $3,605,000 $156,739 $1,984 4.44%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 18 $3,250,000 $180,556 $2,176 4.09%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 17 $2,965,000 $174,412 $2,701 4.10%
Charleston-Mattoon, IL (FHA|USDA|VA) 29 $1,935,000 $66,724 $1,984 4.94%
LOUISVILLE, KY (FHA|USDA|VA) 2 $1,720,000 $860,000 $3,109 4.69%
EVANSVILLE, IN-KY (FHA|USDA|VA) 10 $1,660,000 $166,000 $2,275 5.27%
Vincennes, IN (FHA|USDA|VA) 24 $1,440,000 $60,000 $1,228 4.86%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $9,478 5.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $630,000 $315,000 $4,137 4.44%
Washington, IN (FHA|USDA|VA) 7 $595,000 $85,000 $651 4.76%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $585,000 $195,000 $3,645 4.38%
DECATUR, IL (FHA|USDA|VA) 6 $570,000 $95,000 $2,717 4.33%
Pontiac, IL (FHA|USDA|VA) 7 $565,000 $80,714 $1,873 4.71%
Mount Vernon, IL (FHA|USDA|VA) 8 $480,000 $60,000 $1,584 4.72%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $465,000 $155,000 $2,846 4.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $375,000 $375,000 $2,710 3.38%
BOULDER, CO (FHA|USDA|VA) 1 $375,000 $375,000 $2,844 4.00%
JACKSON, TN (FHA|USDA|VA) 2 $330,000 $165,000 $2,160 3.50%
Adrian, MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,219 4.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.63%
Centralia, IL (FHA|USDA|VA) 4 $220,000 $55,000 $93 4.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,858 4.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,759 3.25%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $3,427 4.63%
FORT WAYNE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $2,731 3.88%
Paducah, KY-IL (FHA|USDA|VA) 2 $180,000 $90,000 $2,975 4.31%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,780 4.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,363 3.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $155,000 $51,667 $1,092 4.88%
New Castle, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,135 4.50%
Angola, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,075 4.88%
Lincoln, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,175 5.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,416 5.50%
Taylorville, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,287 4.50%
Cullman, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,160 4.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,647 3.75%
Central City, KY (FHA|USDA|VA) 1 $95,000 $95,000 $3,135 3.88%
OWENSBORO, KY (FHA|USDA|VA) 1 $85,000 $85,000 $4,531 3.75%
MUNCIE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,433 3.75%
Union City, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.95%
Martin, TN (FHA|USDA|VA) 1 $35,000 $35,000 $192 4.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.75%
First Financial Bank's top markets include Terre Haute, Champaign, Indianapolis, Bloomington, and Danville among others.

Their top states include:
  • Indiana (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,298 $148,100,000 $114,099 $1,625 4.64%
    USDA 45 $3,985,000 $88,556 $3,592 4.27%
    FHA 16 $1,970,000 $123,125 $5,059 3.82%
    VA 3 $555,000 $185,000 $3,819 3.67%

    For 2019, First Financial Bank's most frequently originated type of loan was Conventional, with 1,298 originations. Their 2nd most popular type was USDA, with 45 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 674 $100,020,000 $148,398 $2,559 4.53%
    Refi 302 $29,190,000 $96,656 $1,049 4.64%
    Home Improvement 175 $7,485,000 $42,771 $189 4.94%
    Other 112 $4,460,000 $39,821 $502 4.81%
    Cash Out Refi 99 $13,455,000 $135,909 $2,842 4.27%

    For 2019, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 674 originations. The 2nd most popular reason was Refi, with 302 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 568 $82,750,000 $145,687 $2,787 4.48%
    10 Year 350 $21,060,000 $60,171 $209 4.91%
    15 Year 221 $27,095,000 $122,602 $1,965 4.42%
    20 Year 78 $13,090,000 $167,821 $2,563 4.68%
    Other 70 $7,970,000 $113,857 $283 4.85%
    5 Year 69 $2,415,000 $35,000 $165 4.48%
    3 Year 4 $90,000 $22,500 $66 4.56%
    1 Year 2 $140,000 $70,000 $0 6.25%

    For 2019, First Financial Bank's most frequently cited loan duration was 30 Year, with 568 originations. The 2nd most popular length was 10 Year, with 350 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 436 $58,810,000 $134,885
    $1k-2k 289 $39,005,000 $134,965
    $2k-3k 25 $3,185,000 $127,400
    $3k-4k 6 $790,000 $131,667
    $5k+ 5 $1,165,000 $233,000
    $4k-5k 2 $400,000 $200,000

    First Financial Bank's average total fees were $2,787, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 436 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 693 $78,285,000 $112,965
    3-4% 342 $44,800,000 $130,994
    5-6% 312 $30,090,000 $96,442
    6-7% 12 $1,000,000 $83,333
    2.5-3% 3 $435,000 $145,000

    During 2019, First Financial Bank's average interest rate for loans was 4.48%, while their most frequently originated rate bucket for loans was 4-5%, with 693 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 875 $41,785,000 $47,754 $1,174 4.71%
    $100k-200k 321 $44,725,000 $139,330 $2,586 4.41%
    $200k-400k 139 $36,555,000 $262,986 $3,098 4.43%
    $400k-600k 12 $5,770,000 $480,833 $2,716 4.67%
    $1MM+ 10 $21,970,000 $2,197,000 $9,478 4.82%
    $600k-1MM 5 $3,805,000 $761,000 $5,730 4.27%

    2019 saw First Financial Bank place emphasis on $100,000 or less loans with 875 originations, totaling $41,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 439 $25,745,000 $58,645 $1,548 4.57%
    $50k-75k 337 $29,255,000 $86,810 $1,801 4.61%
    $75k-100k 201 $21,965,000 $109,279 $1,859 4.59%
    $100k-150k 184 $24,720,000 $134,348 $1,874 4.56%
    $150k-250k 71 $10,965,000 $154,437 $2,068 4.67%
    $250k+ 23 $8,715,000 $378,913 $3,171 4.55%

    First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 439 originations. The second most popular income band? $50k-75k, with 337 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 344 $28,550,000 $82,994 $1,572 4.51%
    30-36% 288 $28,480,000 $98,889 $1,741 4.62%
    <20% 184 $13,960,000 $75,870 $1,452 4.42%
    38% 53 $5,525,000 $104,245 $1,889 4.63%
    36% 49 $3,915,000 $79,898 $1,381 4.69%
    40% 47 $4,315,000 $91,809 $1,822 4.72%
    39% 47 $5,175,000 $110,106 $1,502 4.68%
    37% 44 $3,620,000 $82,273 $1,586 4.70%
    41% 30 $3,400,000 $113,333 $2,352 4.56%
    42% 26 $3,220,000 $123,846 $2,755 4.35%
    44% 25 $4,325,000 $173,000 $2,700 4.43%
    45% 23 $3,885,000 $168,913 $2,734 4.54%
    43% 23 $3,065,000 $133,261 $2,371 4.56%
    50-60% 15 $2,175,000 $145,000 $2,106 4.62%
    48% 12 $2,120,000 $176,667 $3,024 4.18%
    46% 11 $1,615,000 $146,818 $2,124 4.03%
    >60% 9 $1,935,000 $215,000 $2,251 5.19%
    49% 9 $1,675,000 $186,111 $2,771 4.42%
    47% 5 $755,000 $151,000 $2,315 4.35%

    First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 344 originations. The next most common DTI ratio? 30-36%, with 288 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,250 $119,660,000 $95,728 $1,723 4.59%
    Not applicable 59 $27,125,000 $459,746 $0 5.13%
    Asian 18 $3,390,000 $188,333 $2,500 4.50%
    Not provided 20 $3,220,000 $161,000 $2,825 4.29%
    Black 11 $845,000 $76,818 $1,419 4.85%
    American Indian 2 $170,000 $85,000 $2,844 4.50%
    Japanese 1 $105,000 $105,000 $1,941 4.63%
    Korean 1 $95,000 $95,000 $2,571 4.50%

    Approval Rates

    Total approvals of all applications
    85.01%

    First Financial Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.68%

    First Financial Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,362 $154,610,000 $113,517

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $210,000 $105,000
    Multifamily:Site-Built 28 $25,600,000 $914,286
    Single Family (1-4 Units):Manufactured 93 $5,215,000 $56,075
    Single Family (1-4 Units):Site-Built 1,239 $123,585,000 $99,746

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 189 $6,735,000 $35,635 $328 4.84%
    40-60% 163 $13,795,000 $84,632 $1,161 4.59%
    60-80% 365 $54,455,000 $149,192 $2,074 4.59%
    80-100% 514 $76,090,000 $148,035 $2,635 4.47%
    Over 100% 6 $870,000 $145,000 $2,799 5.02%
    Under 20% 125 $2,665,000 $21,320 $173 4.96%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST FINANCIAL BANCORP Conventional home mortgage Trouble during payment process 1 100.0%

    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 $12,318
    First Financial Bank, National Association 1 Towne Centre Danville, IL 61832 Full Service B&M $70,932
    First Financial Bank, National Association 10 Main Street Marshall, IN 47859 Full Service B&M $23,060
    First Financial Bank, National Association 100 W. Market St. Newport, IN 47966 Full Service B&M $27,693
    First Financial Bank, National Association 101 Broadway Avenue-East Mattoon, IL 61938 Full Service B&M $8,629
    First Financial Bank, National Association 101 East Main Street Westville, IL 61883 Full Service B&M $33,036
    First Financial Bank, National Association 101 S. Division Street Cayuga, IN 47928 Full Service B&M $28,864
    First Financial Bank, National Association 101 South Warren Drive Greencastle, IN 46135 Full Service B&M $25,600
    First Financial Bank, National Association 102 S. Main St. Hymera, IN 47855 Full Service B&M $19,574
    First Financial Bank, National Association 1023 West Reynolds Street Pontiac, IL 61764 Limited, Drive-thru $6,202
    First Financial Bank, National Association 108 West Main Robinson, IL 62454 Full Service B&M $77,577
    First Financial Bank, National Association 11 South State Street Ridge Farm, IL 61870 Full Service B&M $20,245
    First Financial Bank, National Association 1110 South West Olney, IL 62450 Full Service B&M $9,306
    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 $25,811
    First Financial Bank, National Association 1218 Towanda Avenue Bloomington, IL 61701 Full Service B&M $20,345
    First Financial Bank, National Association 12600 N. Us Hwy 41 Evansville, IN 47725 Full Service B&M $7,143
    First Financial Bank, National Association 1311 N. Lincoln Rd. Rockville, IN 47872 Full Service B&M $73,011
    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 $92,771
    First Financial Bank, National Association 1501 West Broadway Princeton, IN 47670 Full Service B&M $6,669
    First Financial Bank, National Association 1601 State Street Lawrenceville, IL 62439 Full Service B&M $16,206
    First Financial Bank, National Association 1611 South Prospect Avenue Champaign, IL 61821 Full Service B&M $20,529
    First Financial Bank, National Association 1749 East Industrial Drive Terre Haute, IN 47802 Full Service B&M $25,062
    First Financial Bank, National Association 1775 East State Road 163 Clinton, IN 47842 Full Service B&M $31,740
    First Financial Bank, National Association 1800 E. Ft. Harrison St. Terre Haute, IN 47805 Full Service B&M $83,612
    First Financial Bank, National Association 200 South Main Street Clinton, IN 47842 Limited, Drive-thru $0
    First Financial Bank, National Association 202 Eastwood Drive Mahomet, IL 61853 Full Service Retail $15,823
    First Financial Bank, National Association 212 West Oak Street West Frankfort, IL 62896 Full Service B&M $13,511
    First Financial Bank, National Association 215 North Michigan Avenue Marshall, IL 62441 Full Service B&M $50,410
    First Financial Bank, National Association 2180 E National Ave Brazil, IN 47834 Full Service B&M $42,465
    First Financial Bank, National Association 221 South Main Street Clinton, IN 47842 Full Service B&M $33,055
    First Financial Bank, National Association 223 North Mill Street Pontiac, IL 61764 Full Service B&M $61,258
    First Financial Bank, National Association 232 East Crawford Street Montezuma, IN 47862 Full Service B&M $18,196
    First Financial Bank, National Association 240 East Chestnut St Olney, IL 62450 Full Service B&M $22,814
    First Financial Bank, National Association 2425 South State Road 46 Terre Haute, IN 47803 Full Service B&M $28,744
    First Financial Bank, National Association 2510 South Philo Road Urbana, IL 61802 Full Service B&M $18,129
    First Financial Bank, National Association 2707 North 6th Street Vincennes, IN 47591 Full Service B&M $38,323
    First Financial Bank, National Association 2750 North Vermilion Danville, IL 61832 Full Service B&M $49,454
    First Financial Bank, National Association 300 East Main Street Washington, IN 47501 Full Service B&M $58,272
    First Financial Bank, National Association 3005 S. 7th St. Terre Haute, IN 47802 Full Service B&M $38,726
    First Financial Bank, National Association 303 West Delaware Street Fairfield, IL 62837 Full Service B&M $10,867
    First Financial Bank, National Association 309 West National Avenue West Terre Haute, IN 47885 Full Service B&M $43,651
    First Financial Bank, National Association 325 Center Street Gridley, IL 61744 Full Service B&M $11,967
    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 $33,342
    First Financial Bank, National Association 350 South 25th Street Terre Haute, IN 47803 Full Service B&M $150,046
    First Financial Bank, National Association 400 Public Square Benton, IL 62812 Full Service B&M $26,398
    First Financial Bank, National Association 401 West Main Street Salem, IL 62881 Full Service B&M $30,748
    First Financial Bank, National Association 4065 Maple Avenue Terre Haute, IN 47804 Full Service B&M $22,547
    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 $121,504
    First Financial Bank, National Association 502-504 Main Street Clay City, IN 47841 Full Service B&M $22,076
    First Financial Bank, National Association 601 W. Jourdan St. Newton, IL 62448 Full Service B&M $11,371
    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 $25,383
    First Financial Bank, National Association 619 Main Street Vincennes, IN 47591 Full Service B&M $47,631
    First Financial Bank, National Association 7995 N. State Road 59 Brazil, IN 47834 Full Service B&M $28,227
    First Financial Bank, National Association 819 W. Main St. Farmersburg, IN 47850 Full Service B&M $21,885
    First Financial Bank, National Association 820 West Lincoln Charleston, IL 61920 Full Service B&M $12,641
    First Financial Bank, National Association 879 S. 3rd Street Dugger, IN 47848 Full Service B&M $15,213
    First Financial Bank, National Association 9 North Commercial Street Worthington, IN 47471 Full Service B&M $47,086
    First Financial Bank, National Association 900 Main Street Mount Vernon, IL 62864 Full Service B&M $39,638
    First Financial Bank, National Association 901 North Gilbert Danville, IL 61832 Full Service B&M $31,050
    First Financial Bank, National Association 9520 E. U.S. Highway 40 Seelyville, IN 47878 Full Service B&M $28,608
    First Financial Bank, National Association One First Financial Plz Terre Haute, IN 47807 Full Service B&M $369,522

    For 2019, First Financial Bank had 66 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $137,055
    Net interest income $120,803
    Total noninterest income $40,682
    Gross Fiduciary activities income $4,769
    Service charges on deposit accounts $12,073
    Trading account gains and fees $0
    Additional Noninterest Income $23,840
    Pre-tax net operating income $59,270
    Securities gains (or losses, -) $44
    Income before extraordinary items $47,323
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $47,323
    Minority interest net income $0
    Net income $47,323
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $47,287

    First Financial Bank's gross interest income from loans was $137,055,000.
    First Financial Bank's net interest income from loans was $120,803,000.
    First Financial Bank's fee based income from loans was $12,073,000.
    First Financial Bank's net income from loans was $47,323,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,252
    Provision for credit losses $2,250
    Total noninterest expense $99,965
    Salaries and employee benefits $53,445
    Premises and equipment expense $16,054
    Additional noninterest expense $30,466
    Applicable income taxes $11,991
    Net charge-offs $3,276
    Cash dividends $79,286

    First Financial Bank's interest expense for loans was $16,252,000.
    First Financial Bank's payroll and benefits expense were $53,445,000.
    First Financial Bank's property, plant and equipment expenses $16,054,000.

    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 $3,211,918
    Deposits held in domestic offices $3,211,918
    Deposits by Individuals, partnerships, and corporations $2,742,732
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $466,064
    Deposits by Commercial banks and other depository institutions in U.S. $3,117
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $315,679
    Demand deposits $286,737
    Nontransaction accounts $2,896,239
    Money market deposit accounts (MMDAs) $1,220,336
    Other savings deposits (excluding MMDAs) $1,124,184
    Total time deposits $551,719
    Total time and savings deposits $2,925,181
    Noninterest-bearing deposits $555,121
    Interest-bearing deposits $2,656,797
    Retail deposits $3,103,575
    IRAs and Keogh plan accounts $92,784
    Brokered deposits $36,039
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,918,468
    Cash & Balances due from depository institutions $122,472
    Interest-bearing balances $67,127
    Total securities $923,209
    Federal funds sold & reverse repurchase $7,500
    Net loans and leases $2,550,521
    Loan and leases loss allowance $15,346
    Trading account assets $0
    Bank premises and fixed assets $57,517
    Other real estate owned $3,545
    Goodwill and other intangibles $88,840
    All other assets $164,864

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,918,468
    Total Liabilities $3,380,927
    Total deposits $3,211,918
    Interest-bearing deposits $2,656,797
    Deposits held in domestic offices $3,211,918
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $80,419
    Trading liabilities $0
    Other borrowed funds $20,796
    Subordinated debt $0
    All other liabilities $67,794

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,550,521
    Loan and leases loss allowance $15,346
    Total loans and leases (domestic) $2,565,867
    All real estate loans $1,406,045
    Real estate loans in domestic offices $1,406,045
    Construction and development loans $216,416
    Residential 1-4 family construction $24,344
    Other construction, all land development and other land $192,072
    Loans secured by nonfarm nonresidential properties $399,218
    Nonfarm nonresidential secured by owner-occupied properties $99,658
    Commercial real estate & other non-farm, non-residential $299,560
    Multifamily residential real estate $147,478
    1-4 family residential loans $506,474
    Farmland loans $136,459
    Loans held in foreign offices $0
    Farm loans $159,962
    Commercial and industrial loans $601,027
    To non-U.S. addressees $0
    Loans to individuals $304,106
    Credit card loans $3,519
    Related Plans $0
    Consumer Auto Loans $273,738
    Other loans to individuals $26,849
    All other loans & leases $94,728
    Loans to foreign governments and official institutions $0
    Other loans $20,268
    Loans to depository institutions and acceptances of other banks $3,306
    Loans not secured by real estate $58
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,878
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First Financial Bank had $2,550,521,000 of loans outstanding in 2019. $1,406,045,000 of loans were in real estate loans. $216,416,000 of loans were in development loans. $147,478,000 of loans were in multifamily mortgage loans. $506,474,000 of loans were in 1-4 family mortgage loans. $159,962,000 of loans were in farm loans. $3,519,000 of loans were in credit card loans. $273,738,000 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 642 $109,009 $169,796
    Nonfarm, nonresidential loans - <$100k 225 $7,579 $33,684
    Nonfarm, nonresidential loans - $100-250k 208 $22,240 $106,923
    Nonfarm, nonresidential loans - $250k-1MM 209 $79,190 $378,900
    Commercial & Industrial, US addressed loans - <$1MM 4,510 $251,805 $55,833
    Commercial & Industrial, US addressed loans - <$100k 3,663 $95,096 $25,961
    Commercial & Industrial, US addressed loans - $100-250k 509 $51,929 $102,022
    Commercial & Industrial, US addressed loans - $250k-1MM 338 $104,780 $310,000
    Farmland loans - <$1MM 579 $66,282 $114,477
    Farmland loans - <$100k 232 $9,170 $39,526
    Farmland loans - $100-250k 228 $26,136 $114,632
    Farmland loans - $250k-1MM 119 $30,976 $260,303
    Agriculture operations loans - <$1MM 901 $66,104 $73,367
    Agriculture operations loans - <$100k 604 $15,477 $25,624
    Agriculture operations loans - $100-250k 188 $21,152 $112,511
    Agriculture operations loans - $250k-1MM 109 $29,475 $270,413