First Financial Bank, National Association in Terre Haute, Indiana (IN), IL

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First Financial Bank, National Association
GeneralFDIC 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
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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)851
Total assets$2,852,731
Cash and due from depository institutions$127,136
Interest-bearing balances$8,668
Federal funds sold & reverse repurchase agreements$11,725
Net loans & leases$1,815,593
Loan loss allowance $16,098
Trading account assets$0
Bank premises and fixed assets$34,240
Other real estate owned$4,799
Goodwill and other intangibles$33,858
All other assets$161,996
Life insurance assets$2,852,731
Total liabilities and capital$2,529,432
Total liabilities$2,227,657
Total deposits$1,777,027
Interest-bearing deposits$2,227,657
Deposits held in domestic offices$80
% insured (estimated)103822.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$136,571
Other borrowed funds $0
Subordinated debt $61,382
All other liabilities $323,299
Total equity capital$323,299
Total bank equity capital$323,299
Perpetual preferred stock$0
Common stock$14,400
Undivided profits $261,963
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,963
Income earned, not collected on loans $52,302
Earning assets $0
Long-term assets (5+ years) $12,401
Average Assets, year-to-date $2,499,370
Average Assets, quarterly $752,173
Volatile liabilities $2,487,588
Insider loans $2,631,831
FHLB advances $2,146,104
Loans and leases held for sale $2,397,650
Unused loan commitments $80,572
Tier 1 (core) risk-based capital $8,070
Tier 2 risk-based capital $302,441
Total risk weighted assets $13,655
Total unused commitments $58,847
Restructured Loans and leases $359,514
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $105,445
Total interest expense $15,987
Net interest income $89,458
Provision for loan and lease losses $4,950
Total noninterest income $27,680
Fiduciary activities $3,992
Service charges on deposit accounts $8,850
Trading account gains & fees $0
Additional noninterest income $14,838
Total noninterest expense $64,119
Salaries and employee benefits $37,790
Premises and equipment expense $9,104
Additional noninterest expense $17,225
Pre-tax net operating income $48,069
Securities gains (losses) $4
Applicable income taxes $14,079
Income before extraordinary items $33,994
Extraordinary gains - net $0
Net income attributable to bank $33,994
Net charge-offs $0
Cash dividends $33,994
Sale, conversion, retirement of capital stock, net $7,867
Net operating income $10,832
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.70%
Cost of funding earning assets 0.71%
Net interest margin 3.99%
Noninterest income to earning assets 1.23%
Noninterest expense to earning assets 2.86%
Net operating income to assets 1.37%
Return on assets (ROA) 1.37%
Pretax return on assets 1.93%
Return on equity (ROE) 10.83%
Retained earnings to average equity (YTD only) 7.38%
Net charge-offs to loans 0.48%
Credit loss provision to net charge-offs 62.92%
Efficiency ratio6.74%
Assets per employee$53,994
Cash dividends to net income (YTD only)3.35%
Condition Ratios (%)
Loss allowance to loans 31.86%
Loss allowance to noncurrent loans 0.88%
Noncurrent assets plus other real estate owned to assets 30.78%
Noncurrent loans to loans 2.13%
Net loans and leases to deposits2.86%
Net loans and leases to core deposits 81.50%
Equity capital to assets 84.47%
Core capital (leverage) ratio 11.33%
Tier 1 risk-based capital ratio 12.61%
Total risk-based capital ratio 14.09%
Average assets$15
Average earning assets$2,487,588
Average equity $313,999
Average loans $2,242,239
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$949,113
Number of Accounts1
Personal trust and agency accounts$593,263
Employee benefit-defined contribution accounts$234,414
Employee benefit-defined benefit accounts$120,889
Other retirement accounts$26,338
Corporate trust and agency accounts$19,199
Investment management agency accounts$0
Other fiduciary accounts$166,940
Fiduciary accounts held in foreign offices$25,483
Non-managed Assets$0
Number of Accounts1714
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$18,464
Employee benefit-defined benefit accounts$0
Other retirement accounts$355,850
Corporate trust and agency accounts$4,588
Other fiduciary accounts$210,438
Fiduciary accounts held in foreign offices$36,040
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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
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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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