A bank's ability to earn money affects its safety and soundness. A bank can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, potentially making the bank more resilient in tough times. Losses, on the other hand, reduce a bank's ability to do those things.
First Financial Bank beat the national average on Bankrate's earnings test, achieving a score of 20 out of a possible 30.
One key measure of a bank's earnings is return on equity, or net income (profit, essentially) divided by total equity. First Financial Bank's most recent annualized quarterly return on equity was 11.20 percent, above the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank recorded net income of $51.7 million on total equity of $938.9 million. The bank had an annualized return on average assets, or ROA, of 1.21 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.