First Financial Bancorp. · NASDAQ:FFBC

First Financial Bancorp — Q3 2011 Earnings Presentation

22 slides from First Financial Bancorp's earnings presentation, Oct 26, 2011

  1. Slide 1: Third Quarter 2011 Earnings Release Supplemental Information

    fiRST os first financial bancorp First Financial Bancorp Third Quarter 2011 Earnings Release Supplemental Information

  2. Slide 2: Forward-Looking Statements Disclosure

    fiRST Forward-Looking Statements Disclosure first financial bancorp ‘Sasapneansueaen near aay fu Pans aorta Ske npn was on nea near canoe mary © arbe pene ct feamecencn sn come ‘tsuyeteacatraans seme moe dgcay sonoma resem gemanecmcnrzra mg oencwen ene trig een mn ohn Tay Heme ‘nother step on the pa

  3. Slide 3: Pretax, pre-provision income

    Protx, rerodsonncome * ery ‘Acorated Scout on scared ibaa reates'o oan see Prayers Palos on cord OREO? ss: gaan sts elnanaegape ans? Ps. acctraton tears sap fs asodated wh St ES reerpson Pi FHLB prepayment pny is. Onesie expenses etd othe iby Saws Bark bane eauce0 Phas: One chr ot ana ten cots ests

  4. Slide 4: Low Risk Balance Sheet

    fiRsT Low Risk Balance Sheet first financial bancorp. ‘Stress Case Total Assets by Risk Weighting % etre erties seep aA are ‘As of Soptomber 30, 2011 comeaivee utr ste soe ai (Oot in milons) Nonperiog Assets = $2 ion ‘Cover Lean = $12 aon sk Bas Cpa Rao Ri a ‘+ Retum on Risk Weighted Assets = 1.76%

  5. Slide 5: Strategic, Acquired Non-Strategic and FDIC Loss Sharing

    fiRST first financial bancorp. ‘+ Strategic ~ Elements ofthe business that either ‘existed prior tothe acquisitions or were acquired with the intent to retain and grow. On a reported basis, ‘approximately 76% of total revenue is derived from Salegic businesses. Not including the FDIC loss sharing in

  6. Slide 6: Noninterest Income and Expense

    fiRST first financial bancorp. ‘Components of Noninterest Income For the Three Months Ended September 30, 2011, (Ootar in ions) sa Svategic {GFOIC Loss Sharing come ‘@Othe Nonstatege sm Accelerated Oseaunt on Paid ia Full Lean Noninterest Income and Expense ‘Components of Noninterest Expense For the

  7. Slide 7: Deposit and Loan Composition

    fiRST first financial bancorp. Deposit and Loan Composition Total Deposits = $5.3 billion Gross Loans = $4.1 billion {As of September 30, 2011 ‘As of September 30, 2011 (Colas in mits) (ota in mitions) $196 asvategc ‘DAcqured Non Svatepe + Market exits are complete; acquired-non-strategic deposits c

  8. Slide 8: Third Quarter 2011 Loan Valuation

    fiRST Third Quarter 2011 Loan Valuation first financial bancorp. = The majority of the loans acquired as part of the FDIC-assisted transactions are accounted for under ASC Topic 310-30 which requires the Company to periodically update its forecast of expected cash flows from these loans. = As a resu

  9. Slide 9: Covered loan impairment and FDIC receivable

    months ended September 30, ts 2011 fe escspten Aeron epaen for period ($2,932) > Reduction in expected cash flows related to certain loan pools net of prior period impairment relief / recapture necaneon 10,02 > repose acta, merpecedetchageotiotacqesters ‘during the period * Beibiihmnecivene peer a i

  10. Slide 10: Tables from Third Quarter 2011 Earnings Release

    fiRST first financial bancorp Tables from Third Quarter 2011 Earnings Release

  11. Slide 11: Noninterest Income

    Noninterest Income Bete Nese See a Sane Sanne saan ata ate operat fortes care cea orc, secbrte dost covered? sar ase ats Foca srr reore Sor ste (er ecureienoraege ere ass) “ de contd nto: Charters rcterpeec rece Ee ee) Teateceuar tore rata stove = mE Tee Scion ol Be eure ren fer eer earn # tate be c

  12. Slide 12: Noninterest Expense

    Noninterest Expense Tabet oo we : Shane See oe ‘Rnother step onthe path to success 2

  13. Slide 13: Credit Quality - Excluding Covered Loans

    Credit Quality - Excluding Covered Loans ‘Rnother step onthe path to success ry

  14. Slide 14: Loan Portfolio — Excluding Covered Loans

    Loan Portfolio — Excluding Covered Loans ‘Rnother step onthe path to success 7

  15. Slide 15: Investment Portfolio

    Investment Portfolio trend Gants ot 0 au 2 "Ger ces 1S epi ‘Rnother step onthe path to success rs

  16. Slide 16: Deposit Activity

    Deposit Activity Tabet rent wey Tsun 2014 —_O SS w30,—Seanpe —NanSeape Sestene 0, Tnssconenssovnpecterm § amm007 SIN | GARD 8 aesiOH” Trees rs25738 009 sy tam eotraceste usr 7 as) 0 Teapots oe ‘Rnother step onthe path to success rr

  17. Slide 17: Capital Ratios

    Capital Ratios Tomer er caotate Taw Revues cata rte ena tgue rene ety ‘wendng nate ass eng tne cannon sence! ‘ey ean esses nose name tse na ‘Rnother step onthe path to success 7

  18. Slide 18: Significant Acquisition Related Items

    Significant Acquisition Related Items ‘Rnother step on the path to success @

  19. Slide 19: Estimated Yields and Average Balances

    Estimated Yields and Average Balances Scone. 21 ‘eeey a rgd pro % eons sam ‘over an get aortas ASC Toe 31020 tomes 8% ered an set sented trans FAST? cn ‘oc enter ae" wer Us, re pao 7 ire ye otis ap age bred on requ evo vation pena 2 Reuse ow nrvovng gee whch we oped see Tone Toad octane ‘whenine Con

  20. Slide 20: Covered Loan Portfolio

    Covered Loan Portfolio Tobe Covet son ety sie 291 oes nia en ses esuyres_“etvy"_age ts? cone Rene SO mer Tome sms Wao s sms me $M Smee Receeie-commten att ‘a as cs 30 flee comers 735885 ae as ea2 ams aaa Soren Shee wm 0m = om Coe enreane Sam E 138 aan eatowwetine | CCERS Sy yee ee ‘Rnother step onth

  21. Slide 21: Allowance for Loan Losses — Covered

    Allowance for Loan Losses — Covered = ST caterer ‘ere eter pes rr re) ‘ea ons hares, ne 7as6) amas) 20m) Teaareovres a7 seo 30 e590 Teauneegets Tere) aco) ose) assez) Sergetowercelrbanarcheetees cowes ESE SBR SSS ESTE ‘Rnother step onthe path to success Fy

  22. Slide 22: first financial bancorp

    fiRST first financial bancorp ‘Another step on the path to success

First Financial Bancorp — Q3 2011 Earnings Presentation on 6ix