Corporate Profile
Market Summary
NASDAQ - FFBC
$ 25.23
Market Cap ($M):
2,657.32
Change:
$(0.07) - (0.28)%
Volume:
42,155
As of September 16, 2019
Annual Meeting of Shareholders
contact Information
First Financial Bancorp.
255 East Fifth Street, Suite 700
Cincinnati, OH 45202
(877) 322-9530

Investor Relations Contact
Jamie Anderson
Chief Financial Officer
(513) 887-5400
InvestorRelations@bankatfirst.com

Transfer Agent
Computershare Shareholder Services
P.O. Box 505000
Louisville, KY 40233
(800) 368-5948

Materials for the May 28, 2019 Meeting

About First Financial Bancorp

First Financial Bancorp. is a Cincinnati, Ohio based bank holding company. As of June 30, 2019, the Company had $14.4 billion in assets, $9.0 billion in loans, $10.1 billion in deposits and $2.2 billion in shareholders’ equity. The Company’s subsidiary, First Financial Bank, founded in 1863, provides banking and financial services products through its six lines of business: Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance and Wealth Management. These business units provide traditional banking services to business and retail clients. Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $2.8 billion in assets under management as of June 30, 2019. The Company operated 159 banking centers as of June 30, 2019, primarily in Ohio, Indiana and Kentucky, while the Commercial Finance business lends into targeted industry verticals on a nationwide basis. Additional information about the Company, including its products, services and banking locations, is available at www.bankatfirst.com.

Webcast
Officers & Directors

Executive Management

Claude E. Davis
Executive Chairman
Claude Davis became the Executive Chairman of First Financial effective April 1, 2018. Prior to that date, he served as Chief Executive Officer of First Financial and the Bank since October 1, 2004. He has served on the board of directors of each of First Financial and the Bank since October 1, 2004 and also has been Chairman of the Board of Directors of the Bank since October 1, 2004. From October 1, 2004 until December 1, 2014, Mr. Davis held the title of President of First Financial. From October 1, 2004 until August 20, 2013, Mr. Davis held the title of President of the Bank. Mr. Davis has over 30 years of experience in the financial services industry.

Archie M. Brown, Jr.
President Chief Executive Officer
Archie Brown is the President, Chief Executive Officer and a director of First Financial and the Bank, having been appointed to these positions on April 1, 2018 following First Financial’s acquisition of MainSource Financial Group, Inc. Previously, he served as the President and Chief Executive Officer of MainSource from August 2008 until April 2018 and chairman of the board of MainSource from April 2011 until April 2018.
James M. Anderson
EVP, Chief Financial Officer
Jamie Anderson became the Chief Financial Officer of First Financial and the Bank on April 1, 2018 following the merger of First Financial and MainSource. Previously Mr. Anderson served as the Chief Financial Officer of MainSource from January 2006 to April 2018. Prior to that role, he served in the following roles at MainSource: Administrative Vice President and Principal Accounting Officer from March 2005 to January 2006, Controller and Principal Accounting Officer from March 2002 to March 2005, and Controller from September 2000 to March 2002, Mr. Anderson is a certified public accountant (inactive).
Anthony M. Stollings
EVP, Commercial Banking
Tony Stollings is presently the Executive Vice President, Commercial Banking of First Financial and the Bank. He previously served as President, Chief Banking Officer from April 2017 to January 2018 and as the President of Consumer Banking from January 2017 to April 2017. From December 2014 to January 2017 Mr. Stollings served as the President and Chief Operating Officer of First Financial and Chief Operating Officer of the Bank and from January 2013 through November 2014 he served as the Chief Financial Officer of both companies. Mr. Stollings has also previously served as the Chief Risk Officer and the Chief Accounting Officer of both companies.
Catherine M. Myers
EVP, Consumer Banking
Cathy Myers serves as Executive Vice President, Consumer Banking for First Financial and the Bank. She is responsible for Retail Banking, Wealth Management, Mortgage Banking and Business Banking. Cathy joined First Financial in 2018 and has over 34 years of experience in the banking industry. Prior to joining First Financial, Cathy served in various leadership capacities at U.S. Bank and Key Bank. Most recently she was the USB Consumer Bank Technology Executive. She began her career in banking as a Management Trainee for First National Bank of Southwestern Ohio.
John M. Gavigan
EVP, Chief Operating Officer
John Gavigan is the Executive Vice President, Chief Operating Officer for First Financial where he is responsible for Enterprise Digital Solutions, Information Technology, Operations, Customer Contact Center, Project Management and Corporate Facilities. Mr. Gavigan was appointed to his current role in late 2018, having previously served as Chief Administrative Officer for the majority of 2018 and Chief Financial Officer from late 2014 through early 2018. He joined the Company in 2008 as Assistant Controller and also served as Corporate Controller from 2011 through 2014. Mr. Gavigan is a certified public accountant (inactive).
Karen B. Woods
EVP, General Counsel and Chief Risk Officer
Karen Woods serves as General Counsel and Chief Risk Officer of First Financial. She joined First Financial in April 2018 following the merger of First Financial and MainSource. She previously served as Corporate Counsel and Chief Risk Officer of MainSource from January 2016 to April 2018. Prior to joining MainSource, Ms. Woods was a partner at Krieg DeVault LLP in Indianapolis, Indiana. Ms. Woods previously served as a judicial law clerk to the Honorable John G. Baker, Indiana Court of Appeals.
William R. Harrod
EVP, Chief Credit Officer
Bill Harrod is the Chief Credit Officer of First Financial, a role he has held since October 2017. He is responsible for managing and monitoring the loan portfolio and other related credit functions in a risk appropriate manner including underwriting, approval, and collections. Mr. Harrod first joined First Financial in 2015 and has held various credit and management positions since then in specialty banking, corporate banking, commercial and industrial lending and commercial finance.
Amanda N. Neeley
EVP, Chief Marketing Officer
Mandy Neeley is the Chief Marketing Officer and Strategy Officer of First Financial, a role she has held since 2016, Ms. Neeley is responsible for the launch and evolution of the First Financial brand, the introduction of the Premier Business Bank acquisition strategy, the advancement of sales process and enterprise CRM, and development of a formalized strategic planning program. Ms. Neeley has spent her entire career in banking with the Bank, beginning as a part-time teller during summers in college. After graduating, she became a Marketing Coordinator with First Financial starting in 2003 and has held various marketing roles throughout her time with the Bank.
James R. Shank
Chief Internal Auditor
Mr. J.R. Shank is the Chief Internal Auditor of both First Financial Bancorp and First Financial Bank, where he is responsible for the Company’s audit function. Before joining First Financial, Mr. Shank was an inspector at the Division of Registration and Inspections of the PCAOB for three years. Prior to that, Mr. Shank was an audit senior manager with a Big Four accounting firm providing audit and business advisory services to publicly and privately held financial services companies, particularly regional and community banks in the Ohio and Indiana markets. Mr. Shank is a certified public accountant.
Scott T. Crawley
Corporate Controller & Principal Accounting Officer
Scott Crawley is the Corporate Controller and Principal Accounting Officer of both First Financial and the Bank, where he is responsible for the Company’s Accounting department. He was appointed to these roles in December 2014, and January 2017, respectively. He joined First Financial in January 2012 as the Assistant Controller, a position he held until December 2014. Mr. Crawley is a certified public accountant.

Board of Directors
Board Of Directors

First Financial Bancorp Board of Directors
Front Row - Left to Right: Corinne Finnerty, Tom O'Brien, Maribeth Rahe, Vince Berta, Susan Knust, Cynthia Booth, Bill Kramer, Bill Barron
Back Row - Left to Right: Claude Davis, Archie Brown, John Neighbours, Kathie Bardwell, Wick Ach, Rich Olszewski, Erin Hoeflinger

Claude E. Davis
EXECUTIVE CHAIRMAN
Claude Davis became the Executive Chairman of First Financial effective April 1, 2018. Prior to that date, he served as Chief Executive Officer of First Financial and the Bank since October 1, 2004. He has served on the board of directors of each of First Financial and the Bank since October 1, 2004 and also has been Chairman of the Board of Directors of the Bank since October 1, 2004. From October 1, 2004 until December 1, 2014, Mr. Davis held the title of President of First Financial. From October 1, 2004 until August 20, 2013, Mr. Davis held the title of President of the Bank. Mr. Davis has over 30 years of experience in the financial services industry.

J. Wickliffe Ach
Lead Independent Director
Mr. Ach is the Lead Independent Director of the Board of Directors of First Financial Bancorp. He previously served as the Vice Chair of the Board of Directors.

Mr. Ach recently retired from his role as President and Chief Executive Officer of Hixson Inc., an architectural engineering firm located in Cincinnati, Ohio. Mr. Ach served in this role from 1983 until his retirement on May 31, 2018.

Mr. Ach currently serves on the board of directors of Setzer Corp. (a private construction contractor corporation located in Dayton, Ohio and on the board of trustees of Grote Enterprises (a private construction company located in Cincinnati, Ohio). Mr. Ach also serves on the board of directors of the CISE Foundation, a Cincinnati not-for-profit organization. He is or has been involved in a number of business and civic organizations including the Cultural Facilities Task Force of Hamilton County, Ohio relating primarily to the Cincinnati Museum Center and Music Hall facilities. Mr. Ach is President of the Union Terminal Corporation.

As a seasoned business owner and entrepreneur, Mr. Ach brings valuable insight to the Board in strategic and cultural matters. Mr. Ach’s involvement in the Cincinnati business community provides added understanding of our growing Cincinnati market area. Furthermore, his specific background in architectural engineering provides added value in our strategies related to physical banking center locations and design.

Kathleen Lynn Bardwell
Ms. Bardwell currently serves as Senior Vice President, Chief Compliance Officer of STERIS Corporation. In her role she is responsible for Regulatory Affairs, AST Quality Operations, Global Compliance, Corporate Internal Audit and Security and serves as STERIS’ compliance officer, chief audit executive and on its ethics committee. She brings over 35 years of audit and accounting experience to the Company's Board of Directors.

Ms. Bardwell is a member of the National Association of Corporate Directors (NACD), the American Institute of Certified Public Accountants (AICPA), the Ohio Society of CPAs (OSCPA), the Institute of Internal Auditors (IIA), the American Society for Quality (ASQ) and AdvaMed. She has been a Certified Public Accountant since 1989 and received a Certification in Risk Management Assurance (CRMA) designation in 2013.

Ms. Bardwell previously served as a director of MainSource Financial Group, Inc. and MainSource Bank, beginning in 2011, most recently serving as Lead Director, Chair of the Nominating/Corporate Governance Committee and on the Audit Committee and the Executive Committee of MainSource. Ms. Bardwell was appointed to our Board effective April 1, 2018 pursuant to the Merger Agreement. Ms. Bardwell’s many years of expertise relating to regulatory compliance and financial reporting controls, both of which are vital in the financial services industry, her experience with publicly traded companies, and her qualification as an audit committee financial expert provide valuable insight to the Company.
William G. Barron
Mr. Barron is a commercial-industrial real estate specialist. He has been Chairman and President of Wm. G. Barron Enterprises, Inc., a commercial real estate broker, manager and developer, since June 1994. Since 1997, Mr. Barron has been designated a Certified Commercial Investment Member, which signifies expertise in commercial real estate brokerage, leasing, valuation, asset management and investment analysis.

In addition, Mr. Barron is President of Owensboro Self Bailment, LLC, a self-storage holding company, and Gunston, LLC, a real estate holding company. Owensboro Self Bailment and Gunston were each organized in 2006. Prior to these activities, Mr. Barron served as Vice President (1974-81), President (1981-87) and Chairman and CEO (1987-94) of Barron Homes, Inc., a residential home building company.

Mr. Barron previously served as a director of MainSource Financial Group, Inc. beginning in 1989 and as a director of MainSource Bank from since 2011, following prior service on the MainSource Bank board from 1983 to 2000. Most recently, he served as Chair of the Executive Committee and on the Compensation and Credit and Risk Committees of MainSource. Mr. Barron was appointed to our Board effective April 1, 2018 pursuant to the Merger Agreement.

Mr. Barron is very active in his community in both civic and charitable positions, including Former Chairman of the Board of the Owensboro Family YMCA, YMCA Endowment Fund Committee, Former Board member of Mentor Kids Kentucky, Board Member and past President of the Owensboro Homebuilders Association, and Board member of Owensboro Daviess County Chamber of Commerce. Mr. Barron has served as President of the Owensboro Rotary Club. Mr. Barron is a graduate of Leadership Owensboro and Leadership Kentucky.

Mr. Barron brings extensive experience in the banking, homebuilding and commercial real estate development industries and a deep commitment to community and will provide valuable expertise to the Company.
Vincent A. Berta
Mr. Berta currently serves as the President and Managing Director of Covington Capital, LLC, a private investment firm providing specialized investment banking and advisory services primarily to financial, real estate and investment companies.

Mr. Berta has 34 years of experience in the financial services industry, previously serving as the Executive Vice President and Regional Chairman of US Bank Corporation, the Chairman, President and Chief Executive Officer of Trans Financial, Inc., a $2.3 billion bank acquired by US Bank Corporation in 1998, and a partner in Landmark Financial Advisors, Inc., a registered investment advisory company he co-founded in 2002. Mr. Berta also served as a chief financial officer and in various other roles for banking institutions. Mr. Berta is active in various community and civic associations, including work on the Focus 2030 Comprehensive Plan, which was formed to provide a community framework for growth in Bowling Green, Kentucky.

Mr. Berta previously served as a director of MainSource Financial Group, Inc. and MainSource Bank beginning in 2016, most recently serving as Chair of the Audit Committee on the Credit and Risk Committee and the Executive Committee of MainSource. Mr. Berta was appointed to our Board effective April 1, 2018 pursuant to the Merger Agreement.

Mr. Berta’s significant experience in the financial services industry, including specifically his executive experience as an officer of banking institutions, provides valuable insight and knowledge to the Board.
Cynthia O. Booth
Ms. Booth is the President and Chief Executive Officer of COBCO Enterprises, LLC, the owner and operator of eight McDonald’s restaurants in the Cincinnati area. Prior to forming COBCO in 2000, she held various executive positions at Firstar Bank (now U.S. Bank) in Cincinnati, including President, Firstar Bank Foundation, Senior Vice President—Director of Community Development, Vice President of Private Wealth Group, Vice President of Residential Real Estate, Vice President of Human Resources, and Vice President, and before that was President of Diversified Solutions, Inc., a bank consulting firm.

Ms. Booth is active in several civic and community organizations, including serving as a director and the treasurer of the Greater Cincinnati Regional Chamber of Commerce and as a director of the YWCA of Greater Cincinnati.

Ms. Booth brings deep banking experience to the Board, including extensive knowledge in residential real estate lending, regulatory relations, the Community Reinvestment Act and other regulatory compliance, private banking and human resources matters. Furthermore, her experience in the restaurant franchise area provides valuable insight into the specialty area of lending conducted through our subsidiary First Franchise Capital Corporation.
Archie M. Brown, Jr.
Archie Brown is the President, Chief Executive Officer and a director of First Financial and the Bank, having been appointed to these positions on April 1, 2018 following First Financial’s acquisition of MainSource Financial Group, Inc. Previously, he served as the President and Chief Executive Officer of MainSource from August 2008 until April 2018 and chairman of the board of MainSource from April 2011 until April 2018.
Corinne R. Finnerty
Ms. Finnerty is the principal and sole shareholder of the law firm of McConnell Finnerty PC located in North Vernon, Indiana. She has over 35 years of experience representing financial institutions in a wide variety of legal matters. Ms. Finnerty was previously a director of a former affiliate bank of First Financial from 1987 to 2005 and joined the board of the Company in 1998.

Ms. Finnerty served as a member of the Indiana Supreme Court Disciplinary Commission from 2003 to 2013.

Ms. Finnerty’s deep roots in the North Vernon, Indiana area provide representation on the Board for our southeast Indiana market. Her participation for ten years on the Indiana Supreme Court Disciplinary Commission allows her to provide insight on governance and ethical issues. Furthermore, her years as a practicing attorney, including the representation of financial institutions for over 35 years, give her an enhanced perspective on legal and regulatory issues.
Erin Patricia Hoeflinger
Ms. Hoeflinger is Senior Vice President, Business Strategy and Execution of Aetna, a national, diversified health care benefits company. She is responsible for leading the implementation of Aetna's strategy and connecting it to the operating plans across the Aetna business. Ms. Hoeflinger previously served as Senior Vice President of the Commercial Local Business Division of Anthem, where she had a successful 23-year year career.

Ms. Hoeflinger combines her commitment to improving healthcare with leadership in civic and business affairs. She currently serves on the Board of Trustees of The Ohio State University and on the Board of Directors of Midmark Corporation. She also served on the National Healthcare Leadership Council in Washington, D.C. She has an M.B.A. in Business from Xavier University and a B.A. in Communications from Wright State University.

Ms. Hoeflinger previously served as a director of MainSource Financial Group, Inc. and MainSource Bank, beginning in 2015, serving on the Compensation Committee and Credit and Risk Committee. Ms. Hoeflinger was appointed to our Board effective April 1, 2018 pursuant to the Merger Agreement.

Ms. Hoeflinger' s extensive experience in executive management of a publicly-traded company in a highly regulated industry will be a valuable asset to the Company.

Susan L. Knust
Ms. Knust is the owner and managing partner or president of several businesses:

• Omega Warehouse Services (since 2002) which is located in Monroe, Ohio and provides public warehousing and manufacturing services;
• K.P. Properties of Ohio (since 1986) which is located in Monroe, Ohio and owns, leases and manages industrial and commercial real estate in Ohio;
• K.P. Properties of Colorado (since 2010) which is located in Monroe, Ohio and owns, leases and manages commercial real estate in Colorado; and
• K.P. Properties of Florida (since 2014) which is located in Monroe, Ohio and owns, leases and manages commercial real estate in Florida.

As a seasoned business owner and entrepreneur for 34 years in the areas of manufacturing, warehousing and industrial real estate, Ms. Knust brings valuable insight to the Board in strategic and other matters. Ms. Knust’s business interests are similar in size to our key client base and she also has an understanding of our growing Cincinnati market area. Also, as a female business owner, her perspective and experiences have proven valuable to us.
William J. Kramer
Mr. Kramer is the Vice President of Operations and a member of the board of directors of Valco Companies, Inc. which has principal offices in New Holland, Pennsylvania and whose principal activity is the design, manufacture, and sale of equipment used in the animal production industry. He has held his current position with Valco Companies, Inc. since 2008, having previously held other executive positions at Valco Companies, Inc. Mr. Kramer was previously a director of a former affiliate bank of First Financial from 1987 to 2005 and joined the board of First Financial in 2005.

Mr. Kramer has been a CPA since 1984 with both public accounting and private company experience with substantial experience in financial reporting and accounting controls. He qualifies as an audit committee financial expert. Furthermore, his tenure with our Company or a bank affiliate since 1987 provides valuable historical perspective on both the Company and the banking industry.
Thomas Murray O'Brien
Mr. O'Brien retired from Procter & Gamble in 2010 after 31 years of service, primarily in management positions in the areas of sales, IT and marketing. Most recently, Mr. O'Brien served as Vice President Customer Business Development, Global Business Units and Global eCommerce from 2007 until his retirement. During his time at Procter & Gamble, Mr. O'Brien developed strategies, conceptual innovations and relationships that consistently delivered successful results in revenue, market share and productivity.

Mr. O'Brien is currently a senior advisor with the Boston Consulting Group, working with many top consumer product companies on commercial strategies. Mr. O'Brien also currently serves as Chairman of Simpactful Consulting and has served on the National Board of Inroads and the St. Vincent De Paul Cincinnati Board of Directors.

Mr. O'Brien previously served as a director of MainSource Financial Group, Inc. and MainSource Bank beginning in 2010, most recently serving as Chair of the Compensation Committee and on the Audit Committee of MainSource. Mr. O’Brien was appointed to our Board effective April 1, 2018 pursuant to the Merger Agreement.

Mr. O'Brien’s extensive experience in sales and marketing, his management experience, and his experience interacting with the board of directors of a publicly traded company will provide valuable perspective to the Board and the Company.
Richard E. Olszewski
Mr. Olszewski is the owner and operator of two 7-Eleven Food Store franchises in Griffith, Indiana. He was previously a director of a former affiliate bank of First Financial from 1995 to 2005 and joined the board of the Company in 2005.

Mr. Olszewski’s 30 plus years of retail experience and several years of service to our Company provides us with a deeper understanding of our important northwest Indiana market. Furthermore his business and retail experience as a small business owner provides our Company with a better understanding of a key client constituency.
Maribeth Sembach Rahe
Ms. Rahe is the President and Chief Executive Officer of Fort Washington Investment Advisors, Inc., positions she has held since 2003. She also serves on the board of directors of Fort Washington Investment Advisors, Inc. Fort Washington Investment Advisors, Inc. is an investment management firm and wholly owned subsidiary of Western & Southern Financial Group located in Cincinnati, Ohio. Ms. Rahe has more than 45 years of experience in the banking and financial services industries with 30 years of experience in management or executive management positions.

Since 2005, Ms. Rahe has served as a director of Consolidated Communications Holdings, Inc. (NASDAQ: CNSL) which is an integrated communication services company located in Mattoon, Illinois that provides exchange carrier and broadband services. She serves as the chair of the audit committee and also on the compensation committee of the company.

Ms. Rahe is involved in and serves as a director (or in an equivalent position) of several organizations, including:

• Cincinnati Arts Association (Vice Chair)
• Cincinnati Country Club (Board)
• Cincinnati Women's Executive Forum
• Cintrifuse (Advisory Board)
• Commonwealth Club (Executive Committee)
• Institutional Real Estate Inc. (Editorial Advisory Board)
• New York Landmark Conservancy (Life Trustee)
• Rush-Presbyterian-St. Luke’s Medical Center (Life Trustee)
• Sisters of Notre Dame de Namur (Development Advisory Board)
• The Greater Cincinnati Foundation (Board)
• United Way of Cincinnati (Investment Committee)
• Xavier University Williams College of Business (Board of Executive Advisors)

Ms. Rahe is well known in Cincinnati and is a recognized leader in the financial services community, both locally and nationally. She brings a seasoned perspective, insight, and financial acumen into issues and strategies relating to our business, including regulatory relationships and enterprise risk management.
John T. Neighbours
Mr. Neighbours is secretary of and advisor to the board and General Counsel of AmeriQual Group Holdings, an aggregation of companies that produce, package and distribute food products for branded food companies, retailers and the US government, located in Evansville, Indiana. Mr. Neighbours retired from the law firm of Faegre Baker Daniels. He has practiced law for over 40 years and has represented employers throughout the country in all aspects of labor and employment law. Additionally, he served as an advisor to business, educational and not for profit executives on a variety of business and legal issues.

Mr. Neighbours is involved in and serves as a director (or in an equivalent position) of a number of non-profit and civic organizations including:

• Greater Indianapolis Chamber of Commerce
• United Way of Central Indiana
• Meadows Community Foundation (Chair)
• Charles A. Tindley Accelerated Schools
• Indianapolis Public Safety Foundation
• Christian Theological Seminary
• Indiana University-Purdue University Indianapolis Advisory Board
• Indianapolis Zoological Society


In addition, he served as a council member for the American Bar Association - Section on Labor and Employment Law for 12 years, as well as chairman of the Developments Under the National Labor Relations Act Committee from 1997 to 2000. He also served on the Labor Relations Committee for the United States Chamber of Commerce.

Mr. Neighbours serves on the board of Real Estate Corporation of America, a family corporation involved in rehabilitating and managing properties in Indianapolis Also, for the last 10 years, Mr. Neighbours has chaired the Meadows Community Foundation which has stimulated $70 million of investment in one of Indianapolis’ most challenging low income communities, and coordinated the development of mixed income housing, an health complex which includes a YMCA, a retail center and charter schools.

Mr. Neighbours is well known in Indianapolis and is a recognized leader in the local business community, providing valuable insight to the board on the local business environment. His years as a practicing attorney give him an enhanced perspective on legal and employment matters as well the business climate generally given his national practice.
Organizational Actions
To view a reporting statement under Section 6045B of the Internal Revenue Code for an organizational action affecting tax cost basis, please click the link below. Documents included in this section will remain available on this site for a period of 10 years from the date noted in the links below.