First Financial Bank Mortgage Rates, Fees & Info
Terre Haute, INLEI: 549300E0S1LZYZ9QNX81
Tax ID: 35-0704860
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Mortgage Data
Bank Data
Review & Overview
First Financial Bank is a smaller bank specializing in Refi and 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, Indianapolis, Nashville, Clarksville, and Champaign among others. We have data for 67 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,773Origination Dollar Volume (All Markets)
$246,725,000Employee count
917Awards
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First Financial Bank - 2020
First Financial Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 886 | $114,400,000 | $129,120 | $2,098 | 3.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 141 | $29,805,000 | $211,383 | $2,649 | 3.33% |
| Outside of Metro Areas | 249 | $22,385,000 | $89,900 | $1,761 | 3.79% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 57 | $13,405,000 | $235,175 | $3,412 | 3.23% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 61 | $10,025,000 | $164,344 | $2,445 | 3.53% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 57 | $7,955,000 | $139,561 | $1,823 | 3.41% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 21 | $7,405,000 | $352,619 | $1,797 | 3.43% |
| DANVILLE, IL (FHA|USDA|VA) | 60 | $4,780,000 | $79,667 | $1,415 | 3.82% |
| Murray, KY (FHA|USDA|VA) | 21 | $3,875,000 | $184,524 | $3,041 | 3.10% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 12 | $3,840,000 | $320,000 | $1,743 | 3.93% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 20 | $3,790,000 | $189,500 | $1,886 | 3.21% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 43 | $3,555,000 | $82,674 | $2,174 | 3.71% |
| Vincennes, IN (FHA|USDA|VA) | 28 | $2,120,000 | $75,714 | $1,252 | 4.13% |
| PEORIA, IL (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $3,333 | 4.41% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,761 | 3.55% |
| Pontiac, IL (FHA|USDA|VA) | 12 | $1,130,000 | $94,167 | $2,141 | 3.53% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,990 | 3.08% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,554 | 3.83% |
| Washington, IN (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $1,452 | 3.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,749 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,753 | 3.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,444 | 3.25% |
| MUNCIE, IN (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $2,373 | 3.89% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,905 | 3.06% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,399 | 4.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,759 | 3.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,120 | 2.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,301 | 3.88% |
| Union City, TN (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,912 | 3.25% |
| Hailey, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,936 | 3.88% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $216 | 4.00% |
| Bedford, IN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.50% |
| Mayfield, KY (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $978 | 4.43% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,132 | 2.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $2,562 | 3.33% |
| New Castle, IN (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,953 | 3.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.68% |
| Centralia, IL (FHA|USDA|VA) | 6 | $260,000 | $43,333 | $558 | 3.77% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,049 | 2.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,113 | 2.99% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,180 | 3.25% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,302 | 2.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,417 | 2.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,213 | 3.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,679 | 3.88% |
| Danville, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,321 | 2.88% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,073 | 3.13% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,104 | 4.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,282 | 4.38% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.00% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,117 | 3.50% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.13% |
| Effingham, IL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,471 | 3.81% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,161 | 2.75% |
| Mount Vernon, IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,341 | 4.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,139 | 3.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,039 | 3.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,641 | 3.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,731 | 4.00% |
| Decatur, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Jacksonville, IL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,276 | 3.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $299 | 4.00% |
| Richmond, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,478 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.78% |
| Jasper, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $219 | 4.75% |
| Macomb, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,264 | 2.50% |
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
For 2020, First Financial Bank's most frequently originated type of loan was Conventional, with 1,701 originations. Their 2nd most popular type was USDA, with 41 originations.
Loan Reason
For 2020, First Financial Bank's most frequently cited loan purpose was Refi, with 662 originations. The 2nd most popular reason was Home Purchase, with 636 originations.
Loan Duration/Length
For 2020, First Financial Bank's most frequently cited loan duration was 30 Year, with 776 originations. The 2nd most popular length was 15 Year, with 409 originations.
Origination Fees/Closing Costs
First Financial Bank's average total fees were $2,783, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 779 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 788 | $110,770,000 | $140,571 |
| 2.5-3% | 426 | $70,250,000 | $164,906 |
| 4-5% | 412 | $39,690,000 | $96,335 |
| 5-6% | 77 | $8,985,000 | $116,688 |
| <2.5% | 70 | $17,030,000 | $243,286 |
During 2020, First Financial Bank's average interest rate for loans was 3.56%, while their most frequently originated rate bucket for loans was 3-4%, with 788 originations.
Loan Sizing
2020 saw First Financial Bank place emphasis on $100,000 or less loans with 870 originations, totaling $46,620,000 in origination value.
Applicant Income
First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 484 originations. The second most popular income band? $50k-75k, with 407 originations.
Applicant Debt to Income Ratio
First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 487 originations. The next most common DTI ratio? 30-36%, with 343 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.05%
First Financial Bank has an average approval rate.
Pick Rate
Approvals leading to origination73.60%
First Financial Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,773 | $246,725,000 | $139,157 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST FINANCIAL BANCORP | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |
| FIRST FINANCIAL BANCORP | Other type of mortgage | Closing on a mortgage | 1 | 14.3% |
| FIRST FINANCIAL BANCORP | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 14.3% |
| FIRST FINANCIAL BANCORP | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 2 | 28.6% |
| FIRST FINANCIAL BANCORP | Conventional home mortgage | Trouble during payment process | 1 | 14.3% |
| FIRST FINANCIAL BANCORP | Conventional home mortgage | Struggling to pay mortgage | 1 | 14.3% |
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 | $15,167 |
| First Financial Bank, National Association | 1 First Financial Plz Terre Haute, IN 47807 | Full Service B&M | $497,095 |
| First Financial Bank, National Association | 1 Towne Centre Danville, IL 61832 | Full Service B&M | $85,889 |
| First Financial Bank, National Association | 10 Main Street Marshall, IN 47859 | Full Service B&M | $27,092 |
| First Financial Bank, National Association | 100 W. Market St. Newport, IN 47966 | Full Service B&M | $16,404 |
| First Financial Bank, National Association | 101 Broadway Avenue-East Mattoon, IL 61938 | Full Service B&M | $9,706 |
| First Financial Bank, National Association | 101 East Main Street Westville, IL 61883 | Full Service B&M | $32,134 |
| First Financial Bank, National Association | 101 S. Division Street Cayuga, IN 47928 | Full Service B&M | $28,331 |
| First Financial Bank, National Association | 101 South Warren Drive Greencastle, IN 46135 | Full Service B&M | $24,549 |
| First Financial Bank, National Association | 102 S. Main St. Hymera, IN 47855 | Full Service B&M | $18,671 |
| First Financial Bank, National Association | 1023 West Reynolds Street Pontiac, IL 61764 | Limited, Drive-thru | $7,870 |
| First Financial Bank, National Association | 104 West Kingston Spring Road Kingston Springs, TN 37082 | Full Service B&M | $40,186 |
| First Financial Bank, National Association | 108 Cumberland Street Ashland City, TN 37015 | Full Service B&M | $44,126 |
| First Financial Bank, National Association | 108 West Main Robinson, IL 62454 | Full Service B&M | $77,431 |
| First Financial Bank, National Association | 11 South State Street Ridge Farm, IL 61870 | Full Service B&M | $20,694 |
| First Financial Bank, National Association | 1110 South West Olney, IL 62450 | Full Service B&M | $10,707 |
| 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 | $18,722 |
| First Financial Bank, National Association | 1218 Towanda Avenue Bloomington, IL 61701 | Full Service B&M | $23,346 |
| First Financial Bank, National Association | 12600 N. Us Hwy 41 Evansville, IN 47725 | Full Service B&M | $20,265 |
| First Financial Bank, National Association | 1311 N. Lincoln Rd. Rockville, IN 47872 | Full Service B&M | $86,480 |
| 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 | $111,523 |
| First Financial Bank, National Association | 1601 North 12th Street Murray, KY 42071 | Full Service B&M | $94,261 |
| First Financial Bank, National Association | 1601 State Street Lawrenceville, IL 62439 | Full Service B&M | $16,683 |
| First Financial Bank, National Association | 1611 South Prospect Avenue Champaign, IL 61821 | Full Service B&M | $23,270 |
| First Financial Bank, National Association | 1749 East Industrial Drive Terre Haute, IN 47802 | Full Service B&M | $27,904 |
| First Financial Bank, National Association | 1775 East State Road 163 Clinton, IN 47842 | Full Service B&M | $32,811 |
| First Financial Bank, National Association | 1800 E. Ft. Harrison St. Terre Haute, IN 47805 | Full Service B&M | $90,634 |
| First Financial Bank, National Association | 202 Eastwood Drive Mahomet, IL 61853 | Full Service Retail | $17,959 |
| First Financial Bank, National Association | 210 North 12th Street Murray, KY 42071 | Full Service B&M | $10,106 |
| First Financial Bank, National Association | 212 West Oak Street West Frankfort, IL 62896 | Full Service B&M | $14,090 |
| First Financial Bank, National Association | 215 North Michigan Avenue Marshall, IL 62441 | Full Service B&M | $53,933 |
| First Financial Bank, National Association | 2180 E National Ave Brazil, IN 47834 | Full Service B&M | $56,997 |
| First Financial Bank, National Association | 2185 Madison St. Clarksville, TN 37043 | Full Service B&M | $22,386 |
| First Financial Bank, National Association | 221 South Main Street Clinton, IN 47842 | Full Service B&M | $38,835 |
| First Financial Bank, National Association | 223 North Mill Street Pontiac, IL 61764 | Full Service B&M | $62,669 |
| First Financial Bank, National Association | 232 East Crawford Street Montezuma, IN 47862 | Full Service B&M | $19,209 |
| First Financial Bank, National Association | 240 East Chestnut St Olney, IL 62450 | Full Service B&M | $25,224 |
| First Financial Bank, National Association | 2425 South State Road 46 Terre Haute, IN 47803 | Full Service B&M | $44,372 |
| First Financial Bank, National Association | 2510 South Philo Road Urbana, IL 61802 | Full Service B&M | $25,746 |
| First Financial Bank, National Association | 2556 Highway 49 East Pleasant View, TN 37146 | Full Service B&M | $37,728 |
| First Financial Bank, National Association | 2700 Fort Campbell Blvd Hopkinsville, KY 42240 | Full Service B&M | $107,770 |
| First Financial Bank, National Association | 2707 North 6th Street Vincennes, IN 47591 | Full Service B&M | $35,686 |
| First Financial Bank, National Association | 2750 North Vermilion Danville, IL 61832 | Full Service B&M | $57,966 |
| First Financial Bank, National Association | 300 East Main Street Washington, IN 47501 | Full Service B&M | $60,950 |
| First Financial Bank, National Association | 3005 S. 7th St. Terre Haute, IN 47802 | Full Service B&M | $44,805 |
| First Financial Bank, National Association | 303 West Delaware Street Fairfield, IL 62837 | Full Service B&M | $9,413 |
| First Financial Bank, National Association | 306 Lake Street Fulton, KY 42041 | Full Service B&M | $111,086 |
| First Financial Bank, National Association | 309 West National Avenue West Terre Haute, IN 47885 | Full Service B&M | $50,530 |
| First Financial Bank, National Association | 322 Main St. Clarksville, TN 37042 | Full Service B&M | $35,484 |
| First Financial Bank, National Association | 325 Center Street Gridley, IL 61744 | Full Service B&M | $13,310 |
| 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 | $27,769 |
| First Financial Bank, National Association | 350 South 25th Street Terre Haute, IN 47803 | Full Service B&M | $167,147 |
| First Financial Bank, National Association | 352 East Main St Cadiz, KY 42211 | Full Service B&M | $31,075 |
| First Financial Bank, National Association | 3711 West Main Street Erin, TN 37061 | Full Service B&M | $13,634 |
| First Financial Bank, National Association | 3845 Trenton Rd Clarksville, TN 37040 | Full Service B&M | $8,792 |
| First Financial Bank, National Association | 400 Public Square Benton, IL 62812 | Full Service B&M | $27,838 |
| First Financial Bank, National Association | 401 West Main Street Salem, IL 62881 | Full Service B&M | $35,824 |
| First Financial Bank, National Association | 4065 Maple Avenue Terre Haute, IN 47804 | Full Service B&M | $33,324 |
| First Financial Bank, National Association | 4155 Lafayette Rd Hopkinsville, KY 42240 | Full Service B&M | $51,651 |
| First Financial Bank, National Association | 421 South Gilbert Danville, IL 61832 | Full Service B&M | $1,731 |
| First Financial Bank, National Association | 4500 South Us Highway 41 Terre Haute, IN 47802 | Full Service B&M | $176,755 |
| First Financial Bank, National Association | 502-504 Main Street Clay City, IN 47841 | Full Service B&M | $24,311 |
| First Financial Bank, National Association | 601 W. Jourdan St. Newton, IL 62448 | Full Service B&M | $11,550 |
| 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 | $29,031 |
| First Financial Bank, National Association | 605 S Virginia St Hopkinsville, KY 42240 | Full Service B&M | $7,665 |
| First Financial Bank, National Association | 607 Highland Drive Fulton, KY 42041 | Full Service B&M | $1,460 |
| First Financial Bank, National Association | 619 Main Street Vincennes, IN 47591 | Full Service B&M | $49,956 |
| First Financial Bank, National Association | 660 Main Street Benton, KY 42025 | Full Service B&M | $36,991 |
| First Financial Bank, National Association | 7995 N. State Road 59 Brazil, IN 47834 | Full Service B&M | $34,081 |
| First Financial Bank, National Association | 819 W. Main St. Farmersburg, IN 47850 | Full Service B&M | $24,015 |
| First Financial Bank, National Association | 820 West Lincoln Charleston, IL 61920 | Full Service B&M | $14,343 |
| First Financial Bank, National Association | 879 S. 3rd Street Dugger, IN 47848 | Full Service B&M | $17,532 |
| First Financial Bank, National Association | 9 North Commercial Street Worthington, IN 47471 | Full Service B&M | $47,609 |
| First Financial Bank, National Association | 900 Main Street Mount Vernon, IL 62864 | Full Service B&M | $43,255 |
| First Financial Bank, National Association | 901 North Gilbert Danville, IL 61832 | Full Service B&M | $35,341 |
| First Financial Bank, National Association | 9520 E. U.S. Highway 40 Seelyville, IN 47878 | Full Service B&M | $31,466 |
| First Financial Bank, National Association | Hopkinsville Street Elkton, KY 42220 | Full Service B&M | $49,587 |
For 2020, First Financial Bank had 81 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $146,173 |
| Net interest income | $133,741 |
| Total noninterest income | $44,218 |
| Gross Fiduciary activities income | $4,839 |
| Service charges on deposit accounts | $10,646 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $28,733 |
| Pre-tax net operating income | $60,787 |
| Securities gains (or losses, -) | $234 |
| Income before extraordinary items | $50,052 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $50,052 |
| Minority interest net income | $0 |
| Net income | $50,052 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $49,860 |
First Financial Bank's gross interest income from loans was $146,173,000.
First Financial Bank's net interest income from loans was $133,741,000.
First Financial Bank's fee based income from loans was $10,646,000.
First Financial Bank's net income from loans was $50,052,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $12,432 |
| Provision for credit losses | $7,890 |
| Total noninterest expense | $109,282 |
| Salaries and employee benefits | $60,597 |
| Premises and equipment expense | $18,997 |
| Additional noninterest expense | $29,688 |
| Applicable income taxes | $10,969 |
| Net charge-offs | $2,133 |
| Cash dividends | $29,225 |
First Financial Bank's interest expense for loans was $12,432,000.
First Financial Bank's payroll and benefits expense were $60,597,000.
First Financial Bank's property, plant and equipment expenses $18,997,000.
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 | 1.0% |
| 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 | $3,668,639 |
| Deposits held in domestic offices | $3,668,639 |
| Deposits by Individuals, partnerships, and corporations | $3,091,934 |
| Deposits by U.S. Government | $4 |
| Deposits by States and political subdivisions in the U.S. | $573,302 |
| Deposits by Commercial banks and other depository institutions in U.S. | $3,399 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $364,740 |
| Demand deposits | $333,837 |
| Nontransaction accounts | $3,303,899 |
| Money market deposit accounts (MMDAs) | $1,509,666 |
| Other savings deposits (excluding MMDAs) | $1,313,587 |
| Total time deposits | $480,646 |
| Total time and savings deposits | $3,334,802 |
| Noninterest-bearing deposits | $735,923 |
| Interest-bearing deposits | $2,932,716 |
| Retail deposits | $3,580,669 |
| IRAs and Keogh plan accounts | $87,827 |
| Brokered deposits | $23,252 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,428,881 |
| Cash & Balances due from depository institutions | $651,927 |
| Interest-bearing balances | $612,792 |
| Total securities | $1,018,803 |
| Federal funds sold & reverse repurchase | $301 |
| Net loans and leases | $2,453,333 |
| Loan and leases loss allowance | $41,071 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $57,362 |
| Other real estate owned | $1,013 |
| Goodwill and other intangibles | $87,335 |
| All other assets | $158,807 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,428,881 |
| Total Liabilities | $3,862,858 |
| Total deposits | $3,668,639 |
| Interest-bearing deposits | $2,932,716 |
| Deposits held in domestic offices | $3,668,639 |
| % insured (estimated) | $79 |
| Federal funds purchased and repurchase agreements | $119,061 |
| Trading liabilities | $0 |
| Other borrowed funds | $5,859 |
| Subordinated debt | $0 |
| All other liabilities | $69,299 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,453,333 |
| Loan and leases loss allowance | $41,071 |
| Total loans and leases (domestic) | $2,494,404 |
| All real estate loans | $1,274,661 |
| Real estate loans in domestic offices | $1,274,661 |
| Construction and development loans | $222,267 |
| Residential 1-4 family construction | $15,880 |
| Other construction, all land development and other land | $206,387 |
| Loans secured by nonfarm nonresidential properties | $349,638 |
| Nonfarm nonresidential secured by owner-occupied properties | $68,062 |
| Commercial real estate & other non-farm, non-residential | $281,576 |
| Multifamily residential real estate | $150,238 |
| 1-4 family residential loans | $436,025 |
| Farmland loans | $116,493 |
| Loans held in foreign offices | $0 |
| Farm loans | $144,363 |
| Commercial and industrial loans | $604,165 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $374,010 |
| Credit card loans | $3,161 |
| Related Plans | $0 |
| Consumer Auto Loans | $343,620 |
| Other loans to individuals | $27,229 |
| All other loans & leases | $97,205 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $20,868 |
| Loans to depository institutions and acceptances of other banks | $12,062 |
| Loans not secured by real estate | $435 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,268 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
First Financial Bank had $2,453,333,000 of loans outstanding in 2020. $1,274,661,000 of loans were in real estate loans. $222,267,000 of loans were in development loans. $150,238,000 of loans were in multifamily mortgage loans. $436,025,000 of loans were in 1-4 family mortgage loans. $144,363,000 of loans were in farm loans. $3,161,000 of loans were in credit card loans. $343,620,000 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 | 580 | $96,557 | $166,478 |
| Nonfarm, nonresidential loans - <$100k | 211 | $7,173 | $33,995 |
| Nonfarm, nonresidential loans - $100-250k | 182 | $19,247 | $105,753 |
| Nonfarm, nonresidential loans - $250k-1MM | 187 | $70,137 | $375,064 |
| Commercial & Industrial, US addressed loans - <$1MM | 4,419 | $252,312 | $57,097 |
| Commercial & Industrial, US addressed loans - <$100k | 3,520 | $89,317 | $25,374 |
| Commercial & Industrial, US addressed loans - $100-250k | 554 | $56,718 | $102,379 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 345 | $106,277 | $308,049 |
| Farmland loans - <$1MM | 527 | $58,752 | $111,484 |
| Farmland loans - <$100k | 213 | $8,149 | $38,258 |
| Farmland loans - $100-250k | 210 | $23,853 | $113,586 |
| Farmland loans - $250k-1MM | 104 | $26,750 | $257,212 |
| Agriculture operations loans - <$1MM | 884 | $59,210 | $66,980 |
| Agriculture operations loans - <$100k | 603 | $14,511 | $24,065 |
| Agriculture operations loans - $100-250k | 177 | $19,760 | $111,638 |
| Agriculture operations loans - $250k-1MM | 104 | $24,939 | $239,798 |