First Financial Bank, National Association in Hamilton, Ohio (OH), IN, KY
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Financial Bank, National Association in Hamilton, Ohio (OH), IN, KY
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First Financial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 6600
    Status: Active
    Federal Reserve ID: 165628
    Bank Holding Company (Regulatory Top Holder): First Financial Bancorp (RSSDID: 1071276, Location: Cincinnati, OH)
    Date Established: January 01, 1863
    WWW: http://www.bankatfirst.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: 101 (Domestic: 101, Interstate: Yes)
    FDIC's unique #: 4419
    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: Yes
    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: September 18, 2009
    Last Structure Change Process Date: September 21, 2009
    Last Data Update: September 21, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 High Street, Hamilton, OH 45011
    County: Butler
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Hamilton-Middletown, OH (#3200)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $6,663.4 mil
    Equity capital: $572.0 mil
    Deposits held in domestic offices: $5,754.9 mil
    Return on assets (ROA): 1.16% ($77.3 mil)
    Quarterly return on assets: 1.19% ($79.3 mil)
    Return on Equity (ROE): 12.79% ($73.2 mil)
    Quarterly return on equity: 13.36% ($76.4 mil)
    Net income: $73.2 mil
    Quarterly Net income: $19.4 mil
    Pretax return on assets: 1.83% ($121,940.7 mil)
    Quarterly Pretax return on assets: 1.89% ($125,938.8 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
  • 1,508Total employees (full-time equivalent)
  • $6,663,427Total assets
  • $525,118Cash and due from depository institutions
  • $395,601Interest-bearing balances
  • $1,441,828Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,951,114Net loans & leases
  • $95,411Loan loss allowance
  • $0Trading account assets
  • $136,215Bank premises and fixed assets
  • $56,135Other real estate owned
  • $105,894Goodwill and other intangibles
  • $6,663,427Life insurance assets
  • $447,123All other assets
  • $6,063,872Total liabilities and capital
  • $5,754,938Total liabilities
  • $4,696,660Total deposits
  • $5,754,938Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 164431.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,544Trading liabilities
  • $7,500Other borrowed funds
  • $125,459Subordinated debt
  • $599,555All other liabilities
  • $571,954Total equity capital
  • $571,954Total bank equity capital
  • $0Perpetual preferred stock
  • $10,075Common stock
  • $234,897Surplus
  • $326,982Undivided profits
  • Memoranda
  • $27,601Noncurrent loans and leases
  • $24,834Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $294,680Income earned, not collected on loans
  • $832Earning assets
  • $12,732Long-term assets (5+ years)
  • $5,788,543Average Assets, year-to-date
  • $2,148,026Average Assets, quarterly
  • $6,313,116Volatile liabilities
  • $6,496,737Insider loans
  • $3,637,398FHLB advances
  • $6,450,867Loans and leases held for sale
  • $85,942Unused loan commitments
  • $31,755Tier 1 (core) risk-based capital
  • $524,363Tier 2 risk-based capital
  • $54,187Total risk weighted assets
  • $0Total unused commitments
  • $1,169,928Restructured Loans and leases
  • $26,962Derivatives
  • $374Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $308,743Total interest income
  • $44,530Total interest expense
  • $264,213Net interest income
  • $82,552Provision for loan and lease losses
  • $125,468Total noninterest income
  • $14,340Fiduciary activities
  • $19,206Service charges on deposit accounts
  • $0Trading account gains & fees
  • $91,922Additional noninterest income
  • $193,164Total noninterest expense
  • $102,466Salaries and employee benefits
  • $31,323Premises and equipment expense
  • $59,375Additional noninterest expense
  • $113,965Pre-tax net operating income
  • $2,541Securities gains (losses)
  • $42,511Applicable income taxes
  • $73,995Income before extraordinary items
  • $0Extraordinary gains - net
  • $73,224Net income attributable to bank
  • $771Net charge-offs
  • $73,995Cash dividends
  • $60,738Sale, conversion, retirement of capital stock, net
  • $48,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.83%Net interest margin
  • 2.29%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 12.79%Return on equity (ROE)
  • 4.41%Retained earnings to average equity (YTD only)
  • 1.47%Net charge-offs to loans
  • 135.91%Credit loss provision to net charge-offs
  • 3.24%Efficiency ratio
  • 49,272Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.55%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 32.38%Noncurrent assets plus other real estate owned to assets
  • 5.26%Noncurrent loans to loans
  • 7.28%Net loans and leases to deposits
  • 68.66%Net loans and leases to core deposits
  • 70.84%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 8.13%Tier 1 risk-based capital ratio
  • 14.42%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $6,313,116Average earning assets
  • $572,580Average equity
  • $5,469,912Average 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
  • $2,001,968Managed Assets
  • 1Number of Accounts
  • $1,722,912Personal trust and agency accounts
  • $954,839Employee benefit-defined contribution accounts
  • $121,384Employee benefit-defined benefit accounts
  • $136,444Other retirement accounts
  • $152,740Corporate trust and agency accounts
  • $12,716Investment management agency accounts
  • $339,248Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $5,541Non-managed Assets
  • 3558Number of Accounts
  • $0Personal trust and agency accounts
  • $146,284Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $279,056Other retirement accounts
  • $192,941Corporate trust and agency accounts
  • $28,349Other fiduciary accounts
  • $54,243Fiduciary accounts held in foreign offices

Bank Assets Sold and Securitized (December 31, 2011)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $38,0191-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

List of branches

  • 43 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5242521Connersville Branch630 Central Avenue, Connersville, IN 47331January 01, 1887Full Service Brick and Mortar
    606705Union B&T North Vernon Branch6 North Madison, North Vernon, IN 47265January 01, 1932Limited Service Facility
    61222440North BranchState Road 3 And 7 North, North Vernon, IN 47265July 16, 1982Full Service Brick and Mortar
    823950Union City Branch211 West Pearl Street, Union City, IN 47390July 20, 1931Full Service Brick and Mortar
    898299North Manchester Main Branch106 North Market Street, North Manchester, IN 46962March 15, 1882Full Service Brick and Mortar
    90229154Heeter Avenue Branch103 Heeter Avenue, North Manchester, IN 46962May 12, 1976Limited Service Facility
    91229155Timbercrest Church BranchChurch Of The Brethren Home, North Manchester, IN 46962October 20, 1982Full Service Brick and Mortar
    92229156Estelle Peabody Memorial Home Branch400 West Seventh Street, North Manchester, IN 46962January 12, 1983Full Service Brick and Mortar
    949368Rochester Branch729 Main Street, Rochester, IN 46975January 01, 1934Full Service Brick and Mortar
    95232572Ninth Street Auto Branch520 East Ninth Street, Rochester, IN 46975August 18, 1971Limited Service Facility
    973944Hartford City Branch101 West Washington Street, Hartford City, IN 47348March 13, 1893Full Service Brick and Mortar
    998309Dunkirk Branch218 South Main Street, Dunkirk, IN 47336May 01, 1872Full Service Brick and Mortar
    100229199Auto Branch117 South Jefferson Street, Hartford City, IN 47348October 31, 1961Limited Service Facility
    10213798Highland Branch2611 Highway Avenue, Highland, IN 46322December 10, 1969Full Service Brick and Mortar
    103250265Highland 45th Street Branch2750 45th Street, Highland, IN 46322November 06, 1978Full Service Brick and Mortar
    104250267Hammond Branch2635 169th Street, Hammond, IN 46323June 06, 1983Full Service Retail
    105250268Schererville Branch450 West Lincoln Highway, Schererville, IN 46375June 19, 1989Full Service Brick and Mortar
    106250269Route 41 Schererville Branch1515 Route 41, Schererville, IN 46375October 14, 1996Full Service Retail
    107357238Online BankingWww.Bankatfirst.com, Schererville, IN 46375January 25, 2000Full Service Cyber
    108361468Cline Ave Branch9632 Cline Ave, Highland, IN 46322November 06, 2000Full Service Retail
    1098637Flora BranchFour East Main Street, Flora, IN 46929Febuary 01, 1934Full Service Brick and Mortar
    110230292Flora Drive-Up Branch817 East Columbia Street, Flora, IN 46929October 11, 1977Limited Service Facility
    11246309Delphi Branch215 East Main Street, Delphi, IN 46923June 08, 1990Full Service Brick and Mortar
    113270199Rossville Indiana BranchState Highway 26 West, Rossville, IN 46065January 01, 1905Full Service Brick and Mortar
    118424172Crown Point Branch11890 Broadway Avenue, Crown Point, IN 46307December 04, 2003Full Service Brick and Mortar
    120452612Lafayette Concord Road Branch3498 Concord Road, Lafayette, IN 47909August 19, 2005Full Service Brick and Mortar
    127492976Summit Crossings Branch936 North Main Street, Crown Point, IN 46307December 23, 2008Full Service Brick and Mortar
    1386167Lawrenceburg Branch41 West Eads Pkwy, Lawrenceburg, IN 47025January 01, 1905Full Service Brick and Mortar
    139220760Aurora Branch320 Importing Street, Aurora, IN 47001January 03, 1983Full Service Brick and Mortar
    1586458Downtown Columbus Branch500 Washington Street, Columbus, IN 47201April 02, 1928Full Service Brick and Mortar
    159221837State At Mapleton Branch2033 State Street, Columbus, IN 47201December 05, 1961Limited Service Consumer Credit
    160221838Eastbrook Branch2580 Eastbrook Plaza, Columbus, IN 47201October 01, 1960Full Service Brick and Mortar
    161221839Hope Branch645 Harrison Street, Hope, IN 47246July 02, 1956Full Service Brick and Mortar
    163221843West Hill Shopping Center Branch3950 Jonathon Moore Pike, Columbus, IN 47201July 12, 1982Full Service Brick and Mortar
    164221844Creekview Branch707 Creekview Drive, Columbus, IN 46516April 06, 1987Full Service Brick and Mortar
    165221845Seymour Branch202 East Tipton Street, Seymour, IN 47274Febuary 03, 1990Full Service Brick and Mortar
    167221848Shelbyville Branch1850 Marketplace Boulevard, Shelbyville, IN 46176March 01, 1993Full Service Brick and Mortar
    168221852Bloomington Branch300 West 6th Street, Bloomington, IN 47404October 24, 1994Full Service Brick and Mortar
    169221853Franklin Branch1073 West Jefferson Street, Franklin, IN 46131August 16, 1994Full Service Brick and Mortar
    170221854Greensburg Branch1901 North Lincoln Street, Greensburg, IN 47240November 13, 1995Full Service Brick and Mortar
    171221856Avon Branch10445 East U.S. Highway 36, Avon, IN 46123March 09, 1998Full Service Brick and Mortar
    173221861Carmel Branch805 West Carmel Drive, Carmel, IN 46032May 19, 1997Full Service Brick and Mortar
    182513387Indianapolis-Gibson Branch433 N. Capitol Avenue, Indianapolis, IN 46201August 30, 2010Full Service Brick and Mortar
  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    465960Hebron Deposit Bank Branch2652 North Bend Road, Hebron, KY 41048March 18, 1920Full Service Brick and Mortar
    48219862Burlington BranchLimaburg Road And Jones Circle, Burlington, KY 41005May 01, 1991Full Service Brick and Mortar
    65441706Florence Branch7690 Mall Road, Florence, KY 41042Febuary 07, 2005Full Service Brick and Mortar
    181500174Edgewood Branch3580 Madison Pike, Edgewood, KY 41017December 07, 2009Full Service Brick and Mortar
  • 54 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04419First Financial Bank, National Association300 High Street, Hamilton, OH 45011January 01, 1863Full Service Brick and Mortar
    1211548Fairfield Crossings4601 Dixie Highway, Fairfield, OH 45014November 15, 1965Full Service Brick and Mortar
    2211549Main Street Branch970 Main Street, Hamilton, OH 45013September 14, 1953Full Service Brick and Mortar
    3211550Hamilton Plaza BranchHamilton Plaza Shopping Center, Hamilton, OH 45015June 26, 1956Full Service Brick and Mortar
    5211552Seven Mile Branch200 North Main St, Hamilton, OH 45011October 03, 1955Full Service Brick and Mortar
    6211553Ross Branch4079 Hamilton Cleves Road, Fairfield, OH 45014August 11, 1969Full Service Brick and Mortar
    9211556Fairfield Towne Center5300 Pleasant Avenue, Fairfield, OH 45014April 12, 1976Full Service Brick and Mortar
    10211557Pisgah-Kingsgate Branch7795 Tylersville Road, West Chester, OH 45069March 14, 1977Full Service Brick and Mortar
    11211558Washington Blvd Branch720 Nw Washington Blvd, Hamilton, OH 45013August 15, 1977Full Service Brick and Mortar
    12211559Fairfield-South Gilmore Branch6060 South Gilmore Road, Fairfield, OH 45014August 13, 1979Full Service Brick and Mortar
    14185408Breiel Boulevard Branch815 South Breiel Boulevard, Middletown, OH 45044October 20, 1958Full Service Brick and Mortar
    18185412Middletown Branch300 North Main Street, Middletown, OH 45042June 01, 1953Full Service Brick and Mortar
    19185413Trenton Branch125 East State Street, Trenton, OH 45067December 05, 1955Full Service Brick and Mortar
    20185414Springboro Branch885 West Central Avenue, Springboro, OH 45066December 05, 1977Full Service Brick and Mortar
    219375Camden Main Branch4 South Main Street, Camden, OH 45311January 01, 1935Full Service Brick and Mortar
    229077Lewisburg Branch100 North Commerce Street, Lewisburg, OH 45338January 01, 1908Full Service Brick and Mortar
    25185206Landen Center Branch8601 Landen Drive, Maineville, OH 45039Febuary 08, 1984Full Service Brick and Mortar
    27211562Westover Branch855 Stahlheber Road, Hamilton, OH 45013January 03, 1989Full Service Brick and Mortar
    28211563Monroe Branch108 South Main Street, Monroe, OH 45050August 07, 1991Full Service Brick and Mortar
    29211564Beckett Park Office Branch8211 Princeton-Glendale Road, Hamilton, OH 45011November 04, 1991Full Service Brick and Mortar
    31211566Berkeley Square Branch160 Berkeley Drive, Hamilton, OH 45013November 09, 1994Full Service Brick and Mortar
    44359281Walden Ponds Branch5971 Golf Club Lane, Hamilton, OH 45011October 06, 2000Full Service Brick and Mortar
    64439350Union Centre Branch9120 Union Centre Boulevard, West Chester, OH 45069December 27, 2004Full Service Brick and Mortar
    666837Celina Main Branch225 North Main Street, Celina, OH 45822January 01, 1870Full Service Brick and Mortar
    67222830Summit Street Branch115 Summit Street, Celina, OH 45822May 15, 1972Full Service Brick and Mortar
    686584Fort Recovery Branch220 North Wayne Street, Fort Recovery, OH 45846Febuary 01, 1908Full Service Brick and Mortar
    69222832Fayette Street Branch124 East Fayette Street, Celina, OH 45822August 17, 1981Limited Service Facility
    704500Van Wert Main Branch102 East Main Street, Van Wert, OH 45891October 06, 1933Full Service Brick and Mortar
    72211951Van Wert Summit Branch1163 South Shannon Street, Van Wert, OH 45891March 31, 1980Full Service Brick and Mortar
    754482Rockford Branch166 South Main Street, Rockford, OH 45882November 20, 1920Full Service Brick and Mortar
    76210662Coldwater Branch730 East Main Street, Coldwater, OH 45828December 08, 1972Full Service Brick and Mortar
    77495St. Marys Branch130 East Spring Street, Saint Marys, OH 45885January 01, 1890Full Service Brick and Mortar
    78211498Delphos Branch202 North Main Street, Delphos, OH 45833August 15, 1983Full Service Brick and Mortar
    79232298Pauling Banking Center BranchJackson And Main Streets, Paulding, OH 45879December 26, 1980Full Service Brick and Mortar
    81222834Bryan Branch327 South Main Street, Bryan, OH 43506December 08, 1997Full Service Brick and Mortar
    866834Clyde Buckeye Branch137 West Buckeye Street, Clyde, OH 43410January 01, 1906Full Service Brick and Mortar
    123461797Washington Township Branch1035 Miamisburg-Centerville Road, Dayton, OH 45459November 27, 2006Full Service Brick and Mortar
    124462296Mason-Montgomery Branch7420 South Mason-Montgomery Road, Mason, OH 45040Febuary 12, 2007Full Service Brick and Mortar
    125470538Stewart Square Branch335 South College Avenue, Oxford, OH 45056December 10, 2007Full Service Brick and Mortar
    126492975Kettering Branch4391 Far Hills Avenue, Kettering, OH 45429October 13, 2008Full Service Brick and Mortar
    128492977Madeira Branch6801 Miami Avenue, Cincinnati, OH 45243Febuary 16, 2009Full Service Brick and Mortar
    13040971Bridgetown Branch5712 Bridgetown Rd., Cincinnati, OH 45248January 01, 1879Full Service Brick and Mortar
    131265189Western Commons Branch6570 Harrison Avenue, Cincinnati, OH 45247June 30, 1985Full Service Brick and Mortar
    13245131The Oakley Improved Building And Loa4825 Marburg Avenue, Cincinnati, OH 45209March 20, 1908Full Service Brick and Mortar
    13340781Mount Healthy Branch7522 Hamilton Avenue, Mount Healthy, OH 45231January 01, 1883Full Service Brick and Mortar
    13440847Cleves Branch4100 State Route 128, Cleves, OH 45002January 01, 1881Full Service Brick and Mortar
    135359171Northgate Branch3530 Springdale Road, Cincinnati, OH 45251August 01, 1999Full Service Brick and Mortar
    13641371Deer Park Branch7200 Blue Ash Road, Cincinnati, OH 45236January 01, 1915Full Service Brick and Mortar
    13732633Riverbend Branch5797 South State Route 48, Maineville, OH 45039January 01, 1887Full Service Brick and Mortar
    142493575Downtown Lebanon Branch11 South Broadway Street, Lebanon, OH 45036May 07, 2001Full Service Brick and Mortar
    143493577North Lebanon Branch1101 Columbus Ave, Lebanon, OH 45036January 14, 2002Full Service Brick and Mortar
    146493581Arbor Square BranchArbor Square Dr, Mason, OH 45040March 22, 2004Full Service Brick and Mortar
    147493582Liberty Commons Branch6945 South Liberty Drive, Liberty Township, OH 45044April 24, 2006Full Service Brick and Mortar
    148493583Montgomery Road Branch9360 Montgomery Rd, Cincinnati, OH 45242Febuary 20, 2007Full Service Brick and Mortar

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