First Financial Bank, National Association in Terre Haute, Indiana (IN), IL
Overview, Financial Summary, Detailed Financial Reports, Branches


First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 4382
    Status: Active
    Federal Reserve ID: 693345
    Bank Holding Company (Regulatory Top Holder): First Financial Corporation (RSSDID: 1208595, Location: Terre Haute, IN)
    Date Established: August 03, 1863
    WWW: http://www.first-online.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 66 (Domestic: 66, Interstate: Yes)
    OTS Docket #: 8814
    FDIC's unique #: 2886
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 2011
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: One First Financial Plz, Terre Haute, IN 47807
    County: Vigo
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Terre Haute, IN (#8320)
    Core Based Statistical Area (CBSA): Terre Haute, IN (#45460)
    CBSA Metro Statistical Area: Terre Haute, IN (#45460)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $2,852.7 mil
    Equity capital: $323.3 mil
    Deposits held in domestic offices: $2,227.7 mil
    Return on assets (ROA): 1.37% ($39.1 mil)
    Quarterly return on assets: 1.26% ($35.9 mil)
    Return on Equity (ROE): 10.83% ($35.0 mil)
    Quarterly return on equity: 10.15% ($32.8 mil)
    Net income: $34.0 mil
    Quarterly Net income: $8.3 mil
    Pretax return on assets: 1.93% ($55,057.7 mil)
    Quarterly Pretax return on assets: 1.70% ($48,496.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 851Total employees (full-time equivalent)
  • $2,852,731Total assets
  • $127,136Cash and due from depository institutions
  • $8,668Interest-bearing balances
  • $663,384Securities
  • $11,725Federal funds sold & reverse repurchase agreements
  • $1,815,593Net loans & leases
  • $16,098Loan loss allowance
  • $0Trading account assets
  • $34,240Bank premises and fixed assets
  • $4,799Other real estate owned
  • $33,858Goodwill and other intangibles
  • $2,852,731Life insurance assets
  • $161,996All other assets
  • $2,529,432Total liabilities and capital
  • $2,227,657Total liabilities
  • $1,777,027Total deposits
  • $2,227,657Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 103822.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $136,571Trading liabilities
  • $0Other borrowed funds
  • $61,382Subordinated debt
  • $323,299All other liabilities
  • $323,299Total equity capital
  • $323,299Total bank equity capital
  • $0Perpetual preferred stock
  • $14,400Common stock
  • $46,936Surplus
  • $261,963Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,963Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $52,302Income earned, not collected on loans
  • $0Earning assets
  • $12,401Long-term assets (5+ years)
  • $2,499,370Average Assets, year-to-date
  • $752,173Average Assets, quarterly
  • $2,487,588Volatile liabilities
  • $2,631,831Insider loans
  • $2,146,104FHLB advances
  • $2,397,650Loans and leases held for sale
  • $80,572Unused loan commitments
  • $8,070Tier 1 (core) risk-based capital
  • $302,441Tier 2 risk-based capital
  • $13,655Total risk weighted assets
  • $58,847Total unused commitments
  • $359,514Restructured Loans and leases
  • $43,493Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $105,445Total interest income
  • $15,987Total interest expense
  • $89,458Net interest income
  • $4,950Provision for loan and lease losses
  • $27,680Total noninterest income
  • $3,992Fiduciary activities
  • $8,850Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14,838Additional noninterest income
  • $64,119Total noninterest expense
  • $37,790Salaries and employee benefits
  • $9,104Premises and equipment expense
  • $17,225Additional noninterest expense
  • $48,069Pre-tax net operating income
  • $4Securities gains (losses)
  • $14,079Applicable income taxes
  • $33,994Income before extraordinary items
  • $0Extraordinary gains - net
  • $33,994Net income attributable to bank
  • $0Net charge-offs
  • $33,994Cash dividends
  • $7,867Sale, conversion, retirement of capital stock, net
  • $10,832Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.99%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 10.83%Return on equity (ROE)
  • 7.38%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 62.92%Credit loss provision to net charge-offs
  • 6.74%Efficiency ratio
  • 53,994Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.86%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 30.78%Noncurrent assets plus other real estate owned to assets
  • 2.13%Noncurrent loans to loans
  • 2.86%Net loans and leases to deposits
  • 81.50%Net loans and leases to core deposits
  • 84.47%Equity capital to assets
  • 11.33%Core capital (leverage) ratio
  • 12.61%Tier 1 risk-based capital ratio
  • 14.09%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,487,588Average earning assets
  • $313,999Average equity
  • $2,242,239Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $949,113Managed Assets
  • 1Number of Accounts
  • $593,263Personal trust and agency accounts
  • $234,414Employee benefit-defined contribution accounts
  • $120,889Employee benefit-defined benefit accounts
  • $26,338Other retirement accounts
  • $19,199Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $166,940Other fiduciary accounts
  • $25,483Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1714Number of Accounts
  • $0Personal trust and agency accounts
  • $18,464Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $355,850Other retirement accounts
  • $4,588Corporate trust and agency accounts
  • $210,438Other fiduciary accounts
  • $36,040Fiduciary accounts held in foreign offices

List of branches

  • 29 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1410502Ridge Farm, Il Branch11 South State Street, Ridge Farm, IL 61870September 28, 1945Full Service Brick and Mortar
    151193Marshall, Il Branch215 North Michigan Avenue, Marshall, IL 62441May 07, 1857Full Service Brick and Mortar
    477887Robinson Branch108 West Main, Robinson, IL 62454September 02, 1902Full Service Brick and Mortar
    48227050Robinson Motor Banking Center602 West Walnut Street, Robinson, IL 62454September 22, 1975Limited Service Facility
    4943842Oblong Branch301 East Main, Oblong, IL 62449January 01, 1915Full Service Brick and Mortar
    5143153Olney Main Branch240 East Chestnut St, Olney, IL 62450January 01, 1883Full Service Brick and Mortar
    5243418Lawrenceville Branch1601 State Street, Lawrenceville, IL 62439January 01, 1923Full Service Brick and Mortar
    5344132Fairfield Branch303 West Delaware Street, Fairfield, IL 62837January 01, 1888Full Service Brick and Mortar
    5443543Charleston Branch820 West Lincoln, Charleston, IL 61920January 01, 1892Full Service Brick and Mortar
    5540954Newton Branch601 W. Jourdan St., Newton, IL 62448January 01, 1884Full Service Brick and Mortar
    56279943Olney 130 Branch1110 South West, Olney, IL 62450October 05, 1998Full Service Brick and Mortar
    592325First National Bank Of Danville Bran1 Towne Centre, Danville, IL 61832January 01, 1857Full Service Brick and Mortar
    60201664Fairchild And Gilbert Facility901 North Gilbert, Danville, IL 61832March 02, 1981Full Service Brick and Mortar
    622419Westville Banking Center101 East Main Street, Westville, IL 61883December 05, 1904Full Service Brick and Mortar
    64454567South Danville Branch421 South Gilbert, Danville, IL 61832August 29, 2005Full Service Brick and Mortar
    65466509North Vermilion Office Branch2750 North Vermilion, Danville, IL 61832September 29, 2006Full Service Brick and Mortar
    679217North Mill Branch223 North Mill Street, Pontiac, IL 61764September 04, 1934Full Service Brick and Mortar
    68232059West FacilityRoutes 116 And 66, Rural Route 1, Pontiac, IL 61764December 22, 1980Limited Service Facility
    69232060West Madison Street Branch519 West Madison Street, Pontiac, IL 61764November 15, 1976Limited Service Facility
    70232061Bloomington Branch1218 Towanda Avenue, Bloomington, IL 61701September 01, 1995Full Service Brick and Mortar
    716920Gridley Branch325 Center Street, Gridley, IL 61744December 29, 1891Full Service Brick and Mortar
    72362395Brickyard Branch1 Brickyard Drive, Suite 301, Bloomington, IL 61701September 21, 2001Full Service Brick and Mortar
    73429946Downs Branch1 Mike's Way, Downs, IL 61736April 26, 2004Limited Service Facility
    74452225Freestar Bank - Champaign Branch1205 S. Neil St., Champaign, IL 61820April 12, 2006Full Service Brick and Mortar
    75473042Green Strret Champaign Branch631 East Green Street, Champaign, IL 61820November 05, 2007Full Service Brick and Mortar
    76473045Prospect Avenue Branch1611 South Prospect Avenue, Champaign, IL 61821November 05, 2007Full Service Brick and Mortar
    77473046North Broadway Branch410 North Broadway, Urbana, IL 61801November 05, 2007Full Service Brick and Mortar
    78473048Philo Road Branch2510 South Philo Road, Urbana, IL 61802November 05, 2007Full Service Brick and Mortar
    79473050Mahomet BranchEastwood Center Iga, Mahomet, IL 61853November 05, 2007Full Service Retail
  • 37 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02886First Financial Bank, National AssociationOne First Financial Plz, Terre Haute, IN 47807August 03, 1863Full Service Brick and Mortar
    2203560Southland Branch3005 S. 7th St., Terre Haute, IN 47802June 01, 1959Full Service Brick and Mortar
    3203561Meadows Center Branch350 South 25th Street, Terre Haute, IN 47803May 10, 1954Full Service Brick and Mortar
    4203562Plaza North Branch1800 E. Ft. Harrison St., Terre Haute, IN 47805October 05, 1964Full Service Brick and Mortar
    5203563West Terre Haute Branch309 West National Avenue, West Terre Haute, IN 47885July 01, 1960Full Service Brick and Mortar
    6203564Seelyville Branch9520 E. U.S. Highway 40, Seelyville, IN 47878June 01, 1966Full Service Brick and Mortar
    7203565Maple Avenue Branch4065 Maple Avenue, Terre Haute, IN 47804September 16, 1974Full Service Brick and Mortar
    8203566Springhill Branch4500 U.S. Hwy 41 S., Terre Haute, IN 47802June 06, 1977Full Service Brick and Mortar
    9203567Honey Creek Square Banking Branch3401 U.S. Hwy 41 S., Terre Haute, IN 47808January 31, 1983Full Service Brick and Mortar
    12356507Terre Haute First National Bank Mess222 South 25th Street, Terre Haute, IN 47803March 13, 2000Limited Service Messenger
    13359296Industrial Park Banking Center Branc1749 East Industrial Drive, Terre Haute, IN 47802January 08, 2001Full Service Brick and Mortar
    165941Newport Branch100 W. Market St., Newport, IN 47966January 01, 1905Full Service Brick and Mortar
    17219827Cayuga Branch101 S. Division Street, Cayuga, IN 47928May 23, 1960Full Service Brick and Mortar
    18219828Clinton Branch221 South Main Street, Clinton, IN 47842December 18, 1934Full Service Brick and Mortar
    19219829Drive-In Facility200 South Main Street, Clinton, IN 47842Febuary 12, 1973Limited Service Facility
    20219830Crown Hill Branch1775 East State Road 163, Clinton, IN 47842December 31, 1998Full Service Brick and Mortar
    296174Rockville Branch1311 N. Lincoln Rd., Rockville, IN 47872January 01, 1873Full Service Brick and Mortar
    30220782Montezuma Branch232 East Crawford Street, Montezuma, IN 47862September 04, 1945Full Service Brick and Mortar
    31220783Drive-Up Branch120 East Ohio Street, Rockville, IN 47872July 15, 1965Full Service Brick and Mortar
    32220784Rosedale Branch62 East Central Street, Rosedale, IN 47874June 15, 1962Full Service Brick and Mortar
    338296Marshall Branch10 Main Street, Marshall, IN 47859December 23, 1933Full Service Brick and Mortar
    3417514Brazil So. 59 Branch7995 N. State Road 59, Brazil, IN 47834August 10, 1984Full Service Brick and Mortar
    35222442Poland Branch8490 E State Road 42, Poland, IN 47868June 16, 1975Full Service Brick and Mortar
    36258050Clay City Branch502-504 Main Street, Clay City, IN 47841May 22, 1989Full Service Brick and Mortar
    37258051Brazil Eastside Banking Center2180 E National Ave, Brazil, IN 47834June 08, 1992Full Service Brick and Mortar
    38258052Walnut Street Branch18 North Walnut Street, Brazil, IN 47834September 20, 1995Full Service Brick and Mortar
    3911445Sullivan Branch15 South Main Street, Sullivan, IN 47882August 13, 1955Full Service Brick and Mortar
    40241750Dugger Branch8100 E. Main Street, Dugger, IN 47848August 13, 1960Full Service Brick and Mortar
    41241752Hymera Branch102 S. Main St., Hymera, IN 47855March 03, 1969Full Service Brick and Mortar
    42241753Farmersburg Branch819 W. Main St., Farmersburg, IN 47850December 31, 1984Full Service Brick and Mortar
    437704Worthington Branch9 North Commercial Street, Worthington, IN 47471January 01, 1933Full Service Brick and Mortar
    44241754Carlisle Branch8571 Old U.S. Hwy 41 S., Carlisle, IN 47838August 16, 1993Full Service Brick and Mortar
    45203650Sandborn Branch102 N. Anderson St., Sandborn, IN 47578May 27, 1965Full Service Brick and Mortar
    46203652Monroe City Branch201 West First Street, Monroe City, IN 47557October 02, 1978Full Service Brick and Mortar
    57451764Vincennes Branch2707 North 6th Street, Vincennes, IN 47591Febuary 21, 2006Full Service Brick and Mortar
    58462142Greencastle Branch101 South Warren Drive, Greencastle, IN 46135December 27, 2006Full Service Brick and Mortar
    66495371Sycamore Terrace Banking Center Bran2425 South State Road 46, Terre Haute, IN 47803September 21, 2009Full Service Brick and Mortar

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