Slide 1: Investor Presentation Third Quarter 2015
EXHIBIT 99.1 fiRST GA GANS first financial bancorp y p A 5 N nie ANSI Another step on the path to success A ) p NN | NY NN Lan NISSON SININS ANNAN Investor Presentation Third Quarter 2015
Slide 2: Forward-looking statements
2 Certain statements contained in this release which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act. Examples of forward-looking statements include, but are not limited to, projections of revenues, income
Slide 3: About First Financial Bancorp
3 About First Financial Bancorp www.bankatfirst.com NASDAQ: FFBC $19.08 $17.94 $17.81 $18.59 $15.83 3.35% 3.57% 3.59% 3.44% 3.79% 3Q152Q151Q154Q143Q14 Share Price Dividend Yield Founded: 1863 Headquarters: Cincinnati, Ohio Banking Centers: 106 Assets: $7.9 billion Loans: $5.2 billion Deposits: $6.1
Slide 4: 3Q 2015 Highlights – 100th Consecutive Quarter of Profitability
4 3Q 2015 Highlights – 100th Consecutive Quarter of Profitability Total assets increased $497 million to $7.9 billion compared to the second quarter. Core-bank loan portfolio grew $121 million or 10% annualized. Oak Street added $242 million. Deposits increased $366 million, including $212 million o
Slide 5: Profitability
5 Profitability $18.7 $18.9 $17.6 $18.6 $15.3 $20.9 $19.2 $17.8 $19.6 $18.7 $0.30 $0.31 $0.29 $0.30 $0.26 $0.34 $0.31 $0.29 $0.32 $0.31 3Q152Q151Q154Q143Q14 Net Income (GAAP) Net Income (Operating) EPS (GAAP) EPS (Operating) $0.32 $0.31 $0.29 $0.32 $0.31 $0.02 $20.9 $19.2 $17.8 $19.6 $18.7 3Q152Q151
Slide 6: Net Interest Income / Net Interest Margin
6 Net Interest Income / Net Interest Margin $63.2 $58.7 $58.6 $61.1 $58.4 [VALUE] 3.62% 3.67% 3.72% 3.71% 3Q152Q151Q154Q143Q14 Net Interest Income Net Interest Margin (FTE) 3.57% 3.62% 3.67% 3.72% 3.71% 0.10% $63.2 $58.7 $58.6 $61.1 $58.4 3Q152Q151Q154Q143Q14 Core Bank Oak Street Net Interest Income
Slide 7: Non-Interest Income / Non-Interest Expense
7 Non-Interest Income / Non-Interest Expense $4.9 $4.8 $4.5 $5.1 $5.3 $3.1 $3.3 $3.6 $3.4 $3.2 $2.9 $3.0 $2.6 $2.6 $2.9 $1.8 $1.9 $1.5 $1.6 $1.7 $4.4 $3.6 $4.3 $2.5 $2.9 3Q152Q151Q154Q143Q14 Service Charges Wealth Mgmt Bankcard Mortgage Other $27.8 $27.5 $26.9 $28.1 $28.7 $25.2 $21.3 $21.1 $21.5 $22
Slide 8: Loans
8 Loans $1,720 $1,400 $1,381 $1,393 $1,402 $2,446 $2,401 $2,348 $2,338 $2,331 $507 $506 $497 $502 $499 $543 $546 $538 $544 $550 3Q152Q151Q154Q143Q14 Commercial & Business Commercial Real Estate Residential Mortgage Home Equity & Other Consumer $242 $533 $4,441 Oak Street Franchise All Other Loans Lo
Slide 9: Loans
9 Loans $325.8 $360.4 $491.7 $603.2 $344.7 $107.5 $32.0 3.75% 4.12% [Y VALUE] [Y VALUE] 7.99% 4.02% 4.02% Commercial * OOCRE * ICRE * Franchise Oak Street Resi Mortgage Home Equity Avg Balance Wtd Avg Rate * Excludes Franchise & Oak Street Average Loan Size & Rate by Product Line Average Loan Size i
Slide 10: Investment Portfolio
10 Investment Portfolio $ in 000s Held to Maturity Available for Sale Other Investments TOTAL Percent of Portfolio Debt obligations of the U.S. Government $0 $99 $0 $99 0.01% Debt obligations of U.S. Government Agency 15,968 8,964 0 24,932 1.33% Residential Single Family Mortgage Backed Securities P
Slide 11: Capital
11 Capital $601.3 $656.9 $650.2 $638.2 $627.9 $9.74 $10.65 $10.54 $10.38 $10.23 3Q152Q151Q154Q143Q14 Tangible Book Value Tangible Book Value per Share $601.3 $656.9 $650.2 $638.2 $627.9 7.84% 9.08% 9.16% 9.02% 8.71% 3Q152Q151Q154Q143Q14 Tangible Book Value Tangible Common Ratio Tier 1 Common Equity
Slide 12: Asset Quality
12 Asset Quality $71.1 $76.2 $85.5 $87.1 0.90% 1.03% 1.18% 1.21% 3Q152Q151Q154Q14 NPAs NPAs / Total Assets $2.2 $3.3 $1.8 $3.2 0.17% 0.27% 0.16% 0.27% 3Q152Q151Q154Q14 NCOs NCOs / Average Loans Non-Performing Loans / Total Loans Non-Performing Assets / Total Assets Net Charge Offs / Average Loans Cl
Slide 13: Asset Quality
13 Asset Quality $53.3 $52.9 $53.1 $52.9 $35.7 $39.7 $49.2 $48.5 149.3% 133.3% 108.0% 109.1% 3Q152Q151Q154Q14 Allowance for Loan Losses Non-Accrual Loans ALLL / Non-Accrual Loans $53.3 $52.9 $53.1 $52.9 1.02% 1.09% 1.11% 1.11% 1.17% 1.27% 1.43% 1.51% 3Q152Q151Q154Q14 Allowance for Loan Losses ALLL /
Slide 14: 2015-2016 Strategic Priorities
14 2015-2016 Strategic Priorities Achieve growth through deepening relationships with and retaining current clients as well as redefining our approach in our metropolitan markets Develop standard and repeatable processes to ensure consistent delivery of our client service experience and improved ope
Slide 15: Reconciliation of Non-GAAP Measures
15 Reconciliation of Non-GAAP Measures Non-Operating Expenses include acquisition-related expenses, expenses associated with efficiency initiatives and other expenses not expected to recur. $ in 000s 3Q - 2014 4Q - 2014 1Q - 2015 2Q - 2015 3Q - 2015 Net Interest Income $ 58,363 $ 61,139 $ 58,586 $ 5
Slide 16: FFBC
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