First Financial Bancorp ( FFBC)

Q2 2011 Earnings Call

July 29, 2011 9:00 AM ET


Kenneth Lovik – VP, IR and Corporate Development

Claude Davis – President and CEO

Franklin Hall – EVP and CFO


Jon Arfstrom – RBC Capital Markets

Scott Siefers – Sandler O’Neill

Christopher McGratty – KBW

Joseph Stieven – Stieven Capital

Unidentified Company Representative

David Long – Raymond James

Matthew Keating – Barclays Capital

Kenneth James – Sterne Agee

Bryce Rowe – Robert W. Baird



Good morning and welcome to the First Financial Bancorp’s Second Quarter 2011 Earnings Call and webcast. All participants will be in listen-only mode. (Operator Instructions) Please note this event is being recorded.

I would now like to turn the conference over to Kenneth Lovik. Please go ahead.

Kenneth Lovik

Thank you, Denise. Good morning, everyone, and thank you for joining us on today’s conference call to discuss First Financial Bancorp’s second quarter 2011 financial results. Discussing operating and financial results today will be Claude Davis, President and Chief Executive Officer; and Frank Hall, Executive Vice President and Chief Financial Officer.

Before we get started, I would like to mention that both the press release we issued yesterday announcing our financial results for the quarter, and the accompanying supplemental presentation are available on our website at under the Investor Relations section.

Please refer to the forward-looking statement disclosure contained in the second quarter 2011 earnings release, as well as our SEC filings for a full discussion of the company’s risk factors. The information we will provide today is accurate as of June 30, 2011 and we will not be updating any forward-looking statements to reflect facts or circumstances after this call.

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