First Financial Bank, National Association (IN)

First Financial Bank, National Association (IN) is headquartered in Terre Haute and is the 5^th largest bank in the state of Indiana. It is also the 252^nd largest bank in the nation. It was established in 1863 and as of March of 2012, it had grown to 831 employees at 66 locations. First Financial Bank, National Association (IN) has a 4-star health rating.

First Financial Bank, National Association (IN) CD Rates

Data for Q1 2012

Institution Statistics First Financial Bank, National Association FDIC Certificate # 4382 BankRate Report View Year Established 1863 Employees 831 Primary Regulator OCC Assets and Liabilities Assets $2.82 billion Loans $1.77 billion Deposits $2.22 billion Equity Capital $329.79 million Loan Loss Allowance $15.22 million Unbacked Noncurrent Loans $47.56 million Real Estate Owned $5.35 million Historic Data - March 2011 Assets $2.41 billion Equity Capital $306.83 million Loan Loss Allowance $18.79 million Unbacked Noncurrent Loans $37.28 million Real Estate Owned $3.61 million Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets 0.95% Return on Equity 8.24% Interest Income $28.25 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Financial Bank, National Association (IN) had $52.91 million in non-current loans and owned real-estate with $345.02 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank, National Association (IN) a Texas Ratio of 15.34% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Financial Bank, National Association (IN) held steady from 12.56% as of March 31, 2011 to 15.34% as of March 31, 2012, resulting in a negative change of 22.13%. This indicates that the balance sheet and financial strength for First Financial Bank, National Association (IN) has held steady in recent periods. Deposit Growth In the past year, First Financial Bank, National Association (IN) has increased its total deposits by $326.42 million, resulting in 17.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Financial Bank, National Association (IN) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Financial Bank, National Association (IN) has $2.82 billion in assets with $345.02 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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