First Financial Bank, National Association
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.3) profitability.
Asset Mix:
Securities (19%), comm re (18%), consumer loans (12%), home mtgs (10%), comm loans (10%), cash (2%), home eq lns (2%), other (26%)
States with Branches:
GA, IL, IN, KY, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Financial Corporation
Investment Rating
Address
One First Financial Plaza
Terre Haute, IN 47807
Terre Haute, IN 47807
Phone Number
(812) 238-6000
Year Founded
FDIC Number
Website
Largest Affiliates
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