Peer Analysis
Performance Ratios (%) FFBC Peer Median Peer Average
ROAA 1.37 1.32 1.31
ROAE 9.85 10.26 10.18
Net Interest Margin 4.10 3.75 3.77
Efficiency Ratio 51.26 56.70 56.95
Loans / Deposits 87.02 93.16 92.77
Asset Quality Ratios (%)
NPAs / Assets 0.63 0.54 0.61
NCOs / Avg Loans 0.15 0.16 0.21
Reserves / Loans 0.64 0.91 0.98
Reserves / NPAs 64.10 123.71 144.20
Capital Ratios (%)
Tier 1 Capital 12.28 12.54 12.47
Tangible Equity / Tangible Assets 8.86 9.38 9.63
Total Equity / Total Assets 14.86 13.18 13.24
Market Ratios
Price / Earnings (x) 12.68 13.53 13.61
Price / Book (%) 115.26 129.49 131.92
Dividend Yield (%) 3.60 2.73 2.68
Data for trailing four quarters

First Financial Bancorp.'s peer group consists of the following: 1st Source Corporation (SRCE), Chemical Financial Corporation (CHFC), Columbia Banking System, Inc. (COLB), Community Bank System, Inc. (CBU), First Busey Corporation (BUSE), First Commonwealth Financial Corporation (FCF), First Merchants Corporation (FRME), First Midwest Bancorp, Inc. (FMBI), MB Financial, Inc. (MBFI), National Penn Bancshares, Inc. (NPBC), Old National Bancorp (ONB), Park National Corporation (PRK), Republic Bancorp, Inc. (RBCA.A), Texas Capital Bancshares, Inc. (TCBI), Trustmark Corporation (TRMK), WesBanco, Inc. (WSBC)

First Financial Bancorp.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Community Bank System, Inc.'s financial data is as of 3/31/2019.
National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Old National Bancorp's financial data is as of 3/31/2019.
Park National Corporation's financial data is as of 3/31/2019.
1st Source Corporation's financial data is as of 3/31/2019.
WesBanco, Inc.'s financial data is as of 3/31/2019.
Texas Capital Bancshares, Inc.'s financial data is as of 3/31/2019.