First Financial Bancorp. · NASDAQ:FFBC

First Financial Bancorp — Q2 2010 Earnings Presentation

17 slides from First Financial Bancorp's earnings presentation, Aug 4, 2010

  1. Slide 1: Second Quarter 2010 Earnings Release Supplemental Information

    fi RST EXHIBIT 99.2 first financial bancorp First Financial Bancorp Second Quarter 2010 Earnings Release Supplemental Information FEBC

  2. Slide 2: Forward-Looking Statement Disclosure

    fiRST Forward-Looking Statement Disclosure first financial bancorp ‘Another step on the path to success 2

  3. Slide 3: Low Risk Balance Sheet

    fiRST Low Risk Balance Sheet first financial bancorp Stress Case Total Assets by Risk Weighting % + utes he srength of our balance sheet assuming afl chargot ofa Sqr isa rca FDIC los share agremert an charge? al As of June 30, 2010 tcoverea non petering lane (Dolars in mitions) + Norpertorng Asset =

  4. Slide 4: Strategic and Acquired Non-Strategic Revenue by Source

    fiRST first financial bancorp = Strategic — Elements of the business that either existed prior to the acquisitions or were acquired with the intent to retain and grow. Approximately 81% of total revenue 's derived from strategic businesses = Acquired.Non-Strategic — Elements of the business that the

  5. Slide 5: Noninterest Income and Expense

    fiRST Noninterest Income and Expense first financial bancorp Noninterest Income Impact of Components of Noninterest Expense Accelerated Discount Recognition For the Three Months Ended June 30, 2010 For the Tie Months Ended June 30, 2010 (Dalars in miions) (Collars in milions) [=| 7 se2 sas e4 Ss $43

  6. Slide 6: Deposit and Loan Composition

    fiRST Deposit and Loan Composition first financial bancorp Total Deposits = $5.2 billion Gross Loans = $4.5 billion As of June 30, 2010 As of June 30, 2010 (Dollars in mitions) (Dotars in milions) strategic DAcquired.Non Strategic = Western market (acquired-non-strategic) branch exit is largely comp

  7. Slide 7: Tables from Second Quarter 2010 Earnings Release

    fiRST first financial bancorp Tables from Second Quarter 2010 Earnings Release

  8. Slide 8: Noninterest Income

    Noninterest Income Table! Forte Thee Monts Enced Tae@,——March3t, Decanters, (poses nese) 20 210 2000 etl noninterest name ee ee ‘Sloicart components cf noninterest income tense ‘Accelerates cisco on loan prepayments and dispositions Fatecased vauzion mark can Ssles : ssi 2208 Ftetaced valision mark

  9. Slide 9: Noninterest Expense

    Noninterest Expense Tablet Focthe Tas Month Ende TES, Waren, Deca T ‘210 210 ‘000 “Tolalnonntarest expanse es helt ree ‘alsin mack = Teanstonvalted tae" FDIC nereston spot ers expacted nto recur Acquisten-elated osts* Total exiudeg tems reted above ‘Sioiicant components of nonitrest expense Proprion

  10. Slide 10: Credit Quality - Excluding Covered Loans

    Credit Quality - Excluding Covered Loans As cr forthe Tee Monts Ensed Taso it, December 3, Septenber 30) ane come n nese 2010 2010 200 200 200 “otal conacenalisans S cael § mesteo$ TiesT senses TEES Restucuredlears S ure § 7a § aim $ 3mm § ter “otal corererming loans S Teas § T4aS $0 7TT«S eto «S| T

  11. Slide 11: Loan Table

    Table Asef BECKI) Tach ere Fae Pam oa cote mesures Glee _ofTois|_Bssnce of Totsl_Salnes of Toa ‘Commer Sam aE yesose 27.1% sero am Real estate constuction worm 7% 262 77% mea ame Real esite-commercal 1rtge38 386% Norge 3B cessor Ze Real estate-resdental 808% mme7e 100% arm TH Instant vam 27% Tae 28%

  12. Slide 12: Investment Portfolio

    Investment Portfolio Tablev of June 2, 2010 eck Parcnt? Boot ‘Seok Vat — loc neers abe. Teal Yel Free Vue ss) UsTeasuyrces $1308 23% 24 meee taza 28 Agences stiee2 vase 2s tooco 1018s 1810 (vOs(sgeney 222 72 47 tmoaT 10470 10 (CMs (vate) 53 oo ‘os nso 10028 0 NBS agency) sree ate aot toss 1088 sear?

  13. Slide 13: Deposit Activity

    Deposit Activity Table vt Deposit Actty- Second Guater 2010, Tanase Aequree._—_ Basionast ach 3 States ——-NenStategie lune 0. potas nazar) 2010 Ponto Portia 210 Tensacion andssimgs sccouns «305800 SBE SUEDE) SEIS Time deposits 1,806,128 5085 cree) 75904 Brokered ceposts 227887 feu) 3220) 248.380 Tea

  14. Slide 14: Capital Ratios

    Capital Ratios Table Vi bot aes Maen, Tea Wel-Captate 20 210 200 Mima Leverage Ratio 103% 0.0% 200% 500% Ter Capta Ratio 1878 som arm 00% “Tota et asad Capital Ratio om rez seo ‘90% Endog angle sharchoies equty to encng angble asses oom, o73% se NA Endog angle conmen sharehlders euiy tending tngibe

  15. Slide 15: oe S

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  16. Slide 16: Covered Loan Portfolio

    financial ban Covered Loan Portfolio Table Covered Loan Activty- Sound Quart 2010, ecucion i Bases Oe eae arn 24 ingioesct ne 2, poe 210 Lom Sles repens! contactusl* austen Mak* 2010 Comme Ss aeoest § er a ro eal esate -consiucton 72.127 = 283 2010 a 7957 Fealeste commercial oraz : 2so17 tapes co ea

  17. Slide 17: Another step on the path to success

    fiRST first financial bancorp Another step on the path to success

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