← FIRST FINANCIAL CORP /IN/
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TOTAL INTEREST INCOME | $109.4m |
$114.2m
+4.40%
|
$126.2m
+10.53%
|
$149.1m
+18.14%
|
$160.5m
+7.62%
|
$152.2m
-5.16%
|
$183.3m
+20.44%
|
$228.4m
+24.60%
|
$264.7m
+15.91%
|
$305.6m
+15.43%
|
||
| Gain on sales of mortgage loans | $1.8m | $1.7m | $1.8m | $2.6m | $6.6m | $5.0m | $2.0m | $966k | $1.2m | $1.5m | — | |
| TOTAL NON-INTEREST INCOME | $46.9m | $35.9m | $38.2m | $38.5m | $42.5m | $42.1m | $46.7m | $42.7m | $42.8m | $42.0m | ||
| NET INTEREST INCOME | $105.0m |
$107.9m
+2.75%
|
$116.6m
+8.09%
|
$131.7m
+12.93%
|
$146.3m
+11.16%
|
$143.4m
-2.01%
|
$165.0m
+15.09%
|
$167.3m
+1.35%
|
$175.0m
+4.62%
|
$219.9m
+25.65%
|
$233.4m
+6.14%
|
|
| Interest Income (Expense), Net | $105.0m |
$107.9m
+2.75%
|
$116.6m
+8.09%
|
$131.7m
+12.93%
|
$146.3m
+11.16%
|
$143.4m
-2.01%
|
$165.0m
+15.09%
|
$167.3m
+1.35%
|
$175.0m
+4.62%
|
$219.9m
+25.65%
|
$320.5m
+45.79%
|
|
| Labor and Related Expense | $52.7m | $51.3m | $50.7m | $54.8m | $61.9m | $64.5m | $65.6m | $68.5m | $74.6m | $79.1m | — | |
| Salaries and employee benefits | $52.7m | $51.3m | $50.7m | $54.8m | $61.9m | $64.5m | $65.6m | $68.5m | $74.6m | $79.1m | — | |
| Amortization of Intangible Assets | $627k | $479k | $433k | $923k | $1.7m | $1.6m | $1.3m | $1.1m | $3.8m | $5.3m | — | |
| Operating Lease, Expense | — | — | — | — | — | $1.4m | $1.2m | $1.2m | $1.3m | $1.5m | — | |
| Noninterest expense: | ||||||||||||
| TOTAL NON-INTEREST EXPENSE | $90.3m | $88.7m | $91.3m | $104.4m | $112.8m | $117.4m | $126.0m | $130.2m | $144.4m | $154.9m | ||
| Interest expense: | ||||||||||||
| Total interest expense | $4.4m | $6.3m | $9.6m | $17.5m | $14.1m | $8.8m | $18.3m | $61.1m | $89.8m | $85.7m | — | |
| Interest income: | ||||||||||||
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $101.7m |
$102.6m
+0.87%
|
$110.8m
+8.04%
|
$127.0m
+14.57%
|
$135.8m
+6.98%
|
$140.9m
+3.77%
|
$167.1m
+18.54%
|
$160.0m
-4.25%
|
$158.8m
-0.72%
|
$211.7m
+33.28%
|
$233.4m
+10.26%
|
|
| Debt and Equity Securities, Gain (Loss) | $34k | $59k | $2k | $44k | $233k | $114k | $3k | ($1k) | $103k | ($4.6m) | — | |
| Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement | $0 | — | — | — | — | — | — | — | — | — | — | |
| Other Income | — | — | — | — | — | — | $9.2m | $5.8m | $3.5m | $4.9m | — | |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $58.3m | $49.8m | $57.7m | $61.0m | $65.5m | $65.6m | $87.8m | $72.5m | $57.2m | $98.7m | $104.9m | |
| Provision for income taxes | $19.9m | $20.6m | $11.1m | $12.1m | $11.7m | $12.6m | $16.7m | $11.8m | $9.9m | $19.5m | — | |
| Net Income (Loss) Attributable to Parent | $38.4m |
$29.1m
-24.16%
|
$46.6m
+59.91%
|
$48.9m
+4.91%
|
$53.8m
+10.17%
|
$53.0m
-1.59%
|
$71.1m
+34.20%
|
$60.7m
-14.68%
|
$47.3m
-22.08%
|
$79.2m
+67.55%
|
$84.8m
+7.01%
|
|
| Earnings Per Share, Basic | $3.12 | $2.38 | $3.80 | $3.80 | $3.93 | $4.02 | $5.82 | $5.08 | $4.00 | $6.68 | $7.14 | |
| Earnings Per Share, Diluted | $3.12 | $2.38 | $3.80 | $3.80 | $3.93 | $4.02 | $5.82 | $5.08 | $4.00 | $6.68 | $7.14 | |
| Weighted Average Number of Shares Outstanding, Basic | — | — | — | — | 13.7m | 13.2m | 12.2m | 11.9m | 11.8m | 11.9m | 11.9m | |
| Weighted Average Number of Shares Outstanding, Diluted | — | — | — | — | 13.7m | 13.2m | 12.2m | 11.9m | 11.8m | 11.9m | 11.9m | |
| Additional Financial Items | ||||||||||||
| Other Interest and Dividend Income | $1.5m | $1.4m | $1.3m | $1.5m | $1.7m | $1.4m | $6.0m | $3.5m | $3.7m | $3.3m | — | |
| Equipment Expense | $7.3m | $7.2m | $6.8m | $8.2m | $10.6m | $10.2m | $12.4m | $14.0m | $17.6m | $19.0m | — | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | — | $7.3m | $16.2m | $8.2m | — | |
| Goodwill, Impairment Loss | — | — | — | — | — | — | — | — | — | $0 | — | |
| Share-based Payment Arrangement, Expensed and Capitalized, Amount | — | — | — | — | — | — | $825k | $895k | $1.3m | $931.0m | — | |
| Loans, including related fees | $86.1m | $91.1m | $100.5m | $124.8m | $137.2m | $128.0m | $146.3m | $189.6m | $226.3m | $267.8m | — | |
| Taxable | $14.5m | $14.3m | $16.9m | $15.2m | $13.6m | $14.0m | $21.0m | $24.6m | $24.2m | $23.8m | — | |
| Tax-exempt | $7.3m | $7.4m | $7.5m | $7.7m | $8.0m | $8.8m | $10.0m | $10.6m | $10.5m | $10.7m | — | |
| Other | $22.1m | $22.4m | $25.8m | $33.0m | $31.7m | $32.7m | $36.0m | $35.4m | $39.9m | $43.5m | — | |
| Deposits | $4.2m | $6.0m | $9.0m | $15.7m | $12.8m | $8.2m | $16.7m | $51.7m | $81.1m | $72.4m | — | |
| Short-term borrowings | $134k | $245k | $501k | $1.1m | $568k | $387k | $1.2m | $5.4m | $4.3m | $6.5m | — | |
| Other borrowings | $114k | $82k | $112k | $653k | $770k | $252k | $273k | $4.1m | $4.4m | $6.8m | — | |
| Provision for credit losses | — | — | — | — | $10.5m | $2.5m | ($2.0m) | $7.3m | $16.2m | $8.2m | — | |
| Trust and financial services | $5.2m | $5.0m | $5.3m | $5.0m | $5.4m | $5.3m | $5.2m | $5.2m | $5.5m | $5.8m | — | |
| Service charges and fees on deposit accounts | $10.5m | $11.9m | $11.7m | $11.8m | $10.3m | $10.1m | $27.5m | $28.1m | $29.7m | $31.4m | — | |
| Other service charges and fees | $12.3m | $12.5m | $13.0m | $14.0m | $15.6m | $18.2m | $665k | $801k | $999k | $1.1m | — | |
| Securities gains (losses), net | $34k | $59k | $2k | $44k | $233k | $114k | $3k | ($1k) | $103k | ($4.6m) | — | |
| Interchange income | — | — | — | — | $344k | $438k | $559k | $676k | $655k | $755k | — | |
| Loan servicing fees | — | — | — | — | $1.7m | $1.8m | $1.6m | $1.2m | $1.3m | $1.2m | — | |
| Occupancy expense | $6.9m | $6.9m | $7.0m | $7.6m | $8.2m | $8.8m | $9.8m | $9.4m | $9.6m | $10.5m | — | |
| FDIC Expense | $1.3m | $915k | $929k | $693k | $316k | $1.3m | $2.3m | $2.9m | $2.8m | $2.8m | — | |
| Change in unrealized gains (losses) on securities, net of reclassifications and taxes | ($10.1m) | $3.3m | ($8.9m) | $21.0m | $19.3m | ($18.5m) | ($144.6m) | $10.9m | ($9.8m) | $44.4m | — | |
| Change in funded status of post retirement benefits, net of taxes | $5.4m | ($3.9m) | $2.5m | ($5.0m) | ($2.0m) | $6.3m | $7.0m | $2.0m | $4.6m | $1.2m | — | |
| COMPREHENSIVE INCOME (LOSS) | $33.6m | $28.6m | $40.2m | $64.8m | $71.1m | $40.8m | ($66.4m) | $73.6m | $42.1m | $124.8m |