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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) February 12, 1997
FIRST FINANCIAL BANCORP
(Exact name of registrant as specified in its charter)
Ohio 0-12379 31-1042001
(State or other jursidiction (Commission (I.R.S. Employer
of incorporation) File Number) Identification No.)
300 High Street, Hamilton, Ohio 45011
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (513) 867-4700
Page 1 of 3
ITEM 5. OTHER EVENTS
The Registrant is filing with the Securities and Exchange Commission an
unaudited consolidated statement of earnings for the month ended January 31,
1997. This financial statement covers the financial results of more than 30
days of post-merger combined operations of the Registrant and National Bank
of Hastings.
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
(c) Exhibit:
Exhibit 99.1 - First Financial Bancorp and Subsidiaries Consolidated
Statements of Earnings for the month ended January
31, 1997.
Page 2 of 3
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
FIRST FINANCIAL BANCORP.
(Registrant)
Date February 12, 1997 /s/ Michael R. O'Dell
Michael R. O'Dell,
Senior Vice President, Chief
Financial Officer and Secretary
Page 3 of 3
EXHIBIT 99.1
FIRST FINANCIAL BANCORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENT OF EARNINGS
(Unaudited)
(Dollars in thousands, except per share data)
<TABLE>
Month ended
January 31, 1997
<S> <C>
INTEREST INCOME
Loans, including fees $ 13,256
Investment securities
Taxable 1,598
Tax-exempt 459
---------
Total investment securities interest 2,057
Interest-bearing deposits with other banks 28
Federal funds sold and securities
purchased under agreements to resell 78
---------
Total interest income 15,419
INTEREST EXPENSE
Deposits 5,829
Short-term borrowings 383
Long-term borrowings 53
---------
Total interest expense 6,265
---------
Net interest income 9,154
Provision for loan losses 292
---------
Net interest income after
provision for loan losses 8,862
NONINTEREST INCOME
Service charges on deposit accounts 835
Trust revenues 782
Investment securities gains 5
Other 393
--------
Total noninterest income 2,015
NONINTEREST EXPENSES
Salaries and employee benefits 3,561
Net occupancy 451
Furniture and equipment 403
Data processing 424
Deposit insurance 21
State taxes 140
Other 1,471
---------
Total noninterest expenses 6,471
---------
Income before income taxes 4,406
Income tax expense 1,477
---------
Net earnings $ 2,929
=========
Net earnings per common share $ .19
=========
Average shares outstanding 15,025,186
==========
</TABLE>
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