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LOANS (Tables)

12 Months Ended

Dec. 31, 2019

LOANS - Carrying Amount of Accretable Yield for Purchased Impaired and Nonimpaired Loans [Abstract]

Commercial and Consumer Credit Exposure by Risk Attribute

Commercial and consumer credit exposure by risk attribute was as follows:

		As of December 31, 2019
						Real Estate
(Dollars in thousands)		Commercial & industrial				Construction				Commercial				Lease financing				Total
Pass		$	2,324,021			$	493,182			$	4,108,752			$	85,262			$	7,011,217
Special Mention		100,954				0				59,383				488				160,825
Substandard		40,902				0				26,516				2,614				70,032
Doubtful		0				0				0				0				0
Total		$	2,465,877			$	493,182			$	4,194,651			$	88,364			$	7,242,074

		Residential real estate				Home equity				Installment				Credit card				Total
Performing		$	1,040,787			$	766,169			$	82,385			$	48,983			$	1,938,324
Nonperforming		15,162				5,700				204				201				21,267
Total		$	1,055,949			$	771,869			$	82,589			$	49,184			$	1,959,591

		As of December 31, 2018
						Real Estate
(Dollars in thousands)		Commercial & industrial				Construction				Commercial				Lease financing				Total
Pass		$	2,432,834			$	548,323			$	3,664,434			$	90,902			$	6,736,493
Special Mention		24,594				603				38,653				0				63,850
Substandard		57,233				9				51,594				2,513				111,349
Doubtful		0				0				0				0				0
Total		$	2,514,661			$	548,935			$	3,754,681			$	93,415			$	6,911,692

		Residential real estate				Home equity				Installment				Credit card				Total
Performing		$	939,936			$	811,108			$	93,038			$	46,382			$	1,890,464
Nonperforming		15,710				6,174				174				0				22,058
Total		$	955,646			$	817,282			$	93,212			$	46,382			$	1,912,522

Loan Delinquency, including Nonaccrual Loans

Loan delinquency, including nonaccrual loans, was as follows:

		As of December 31, 2019
(Dollars in thousands)		30 – 59 days past due				60 – 89 days past due				> 90 days past due				Total past due				Current				Subtotal				Purchased impaired				Total				> 90 days past due and still accruing
Loans
Commercial & industrial		$	1,266			$	3,332			$	14,518			$	19,116			$	2,443,680			$	2,462,796			$	3,081			$	2,465,877			$	0
Lease financing		0				0				0				0				88,364				88,364				0				88,364				0
Construction real estate		0				0				0				0				493,167				493,167				15				493,182				0
Commercial real estate		776				857				5,613				7,246				4,151,513				4,158,759				35,892				4,194,651				0
Residential real estate		8,032				1,928				5,031				14,991				1,014,138				1,029,129				26,820				1,055,949				0
Home equity		2,530				1,083				2,795				6,408				762,863				769,271				2,598				771,869				0
Installment		111				50				148				309				82,022				82,331				258				82,589				0
Credit card		208				75				201				484				48,700				49,184				0				49,184				201
Total		$	12,923			$	7,325			$	28,306			$	48,554			$	9,084,447			$	9,133,001			$	68,664			$	9,201,665			$	201

		As of December 31, 2018
(Dollars in thousands)		30 - 59 days past due				60 - 89 days past due				> 90 days past due				Total past due				Current				Subtotal				Purchased impaired				Total				> 90 days past due and still accruing
Loans
Commercial & industrial		$	13,369			$	41			$	7,423			$	20,833			$	2,488,450			$	2,509,283			$	5,378			$	2,514,661			$	0
Lease financing		352				0				0				352				93,063				93,415				0				93,415				0
Construction real estate		0				0				0				0				548,687				548,687				248				548,935				0
Commercial real estate		6,279				1,158				12,644				20,081				3,682,455				3,702,536				52,145				3,754,681				0
Residential real estate		11,060				2,976				4,535				18,571				902,404				920,975				34,671				955,646				0
Home equity		5,245				1,228				2,578				9,051				804,835				813,886				3,396				817,282				0
Installment		420				37				145				602				92,128				92,730				482				93,212				0
Credit card		541				96				63				700				45,682				46,382				0				46,382				63
Total		$	37,266			$	5,536			$	27,388			$	70,190			$	8,657,704			$	8,727,894			$	96,320			$	8,824,214			$	63

Loans Restructured During Period

The following table provides information on loan modifications classified as TDRs during the years ended December 31, 2019, 2018 and 2017:

		Years ended December 31,
		2019											2018											2017
(Dollars in thousands)		Number of loans			Pre-modification loan balance				Period end balance				Number of loans			Pre-modification loan balance				Period end balance				Number of loans			Pre-modification loan balance				Period end balance
Commercial & industrial		8			$	25,009			$	25,071			17			$	23,943			$	23,890			7			$	5,724			$	5,661
Construction real estate		0			0				0				0			0				0				0			0				0
Commercial real estate		9			3,024				2,932				8			3,385				3,150				8			1,816				1,758
Residential real estate		30			3,415				3,062				13			1,148				1,073				6			416				315
Home equity		14			395				366				5			95				192				1			39				39
Installment		2			41				39				0			0				0				0			0				0
Total		63			$	31,884			$	31,470			43			$	28,571			$	28,305			22			$	7,995			$	7,773

Loans Restructured, Modifications

The following table provides information on how TDRs were modified during the years ended December 31, 2019, 2018 and 2017:

		Years Ended December 31,
(Dollars in thousands)		2019				2018				2017
Extended maturities		$	2,877			$	4,093			$	3,261
Adjusted interest rates		5,284				52				2,767
Combination of rate and maturity changes		516				0				489
Forbearance		20,320				23,175				1,181
Other (1)		2,473				985				75
Total		$	31,470			$	28,305			$	7,773

⁽¹⁾ Other includes covenant modifications and other concessions or combination of concessions that do not consist of interest rate adjustments, forbearance and maturity extensions.

Loan Restructuring, Loans with a Payment Default Within 12 Months of Loan Modification

Nonaccrual, Restructured and Impaired Loans

The following table provides information on impaired loans, excluding purchased impaired loans, as of December 31:

(Dollars in thousands)		2019				2018				2017
Impaired loans
Nonaccrual loans (1)
Commercial & industrial		$	24,346			$	30,925			$	5,229
Lease financing		223				22				82
Construction real estate		0				9				29
Commercial real estate		7,295				20,500				10,616
Residential real estate		10,892				13,495				4,140
Home equity		5,242				5,580				3,743
Installment		167				169				243
Total nonaccrual loans		48,165				70,700				24,082
Accruing troubled debt restructurings		11,435				16,109				17,545
Total impaired loans		$	59,600			$	86,809			$	41,627
Interest income effect
Gross amount of interest that would have been recorded under original terms		$	5,813			$	4,656			$	3,397
Interest included in income
Nonaccrual loans		1,042				715				535
Troubled debt restructurings		801				642				710
Total interest included in income		1,843				1,357				1,245
Net impact on interest income		$	3,970			$	3,299			$	2,152
Commitments outstanding to borrowers with nonaccrual loans		$	3			$	200			$	0

⁽¹⁾ Nonaccrual loans include nonaccrual TDRs of $18.5 million, $22.4 million and $6.4 million as of December 31, 2019, 2018 and 2017, respectively.

Investment in Impaired Loans

First Financial's investment in impaired loans, excluding purchased impaired loans, is as follows:

		December 31, 2019												December 31, 2018
(Dollars in thousands)		Current balance				Contractual principal balance				Related allowance				Current balance				Contractual principal balance				Related allowance
Loans with no related allowance recorded
Commercial & industrial		$	16,726			$	19,709			$	0			$	36,694			$	42,561			$	0
Lease financing		223				223				0				22				22				0
Construction real estate		0				0				0				9				26				0
Commercial real estate		10,160				17,897				0				23,513				31,375				0
Residential real estate		14,868				17,368				0				17,297				19,975				0
Home equity		5,700				6,462				0				6,351				7,461				0
Installment		204				341				0				174				563				0
Total		47,881				62,000				0				84,060				101,983				0
Loans with an allowance recorded
Commercial & industrial		10,754				21,513				2,044				939				939				667
Lease financing		0				0				0				0				0				0
Construction real estate		0				0				0				0				0				0
Commercial real estate		671				675				113				1,509				1,509				461
Residential real estate		294				294				18				301				301				32
Home equity		0				0				0				0				0				0
Installment		0				0				0				0				0				0
Total		11,719				22,482				2,175				2,749				2,749				1,160
Total
Commercial & industrial		27,480				41,222				2,044				37,633				43,500				667
Lease financing		223				223				0				22				22				0
Construction real estate		0				0				0				9				26				0
Commercial real estate		10,831				18,572				113				25,022				32,884				461
Residential real estate		15,162				17,662				18				17,598				20,276				32
Home equity		5,700				6,462				0				6,351				7,461				0
Installment		204				341				0				174				563				0
Total		$	59,600			$	84,482			$	2,175			$	86,809			$	104,732			$	1,160

		Years ended December 31,
		2019								2018								2017
(Dollars in thousands)		Average balance				Interest income recognized				Average balance				Interest income recognized				Average balance				Interest income recognized
Loans with no related allowance recorded
Commercial & industrial		$	31,846			$	926			$	14,498			$	360			$	13,167			$	280
Lease financing		168				0				21				0				112				4
Construction real estate		6				0				20				2				601				1
Commercial real estate		18,757				357				24,738				490				20,935				563
Residential real estate		15,915				307				11,359				301				7,616				196
Home equity		5,893				121				5,541				114				4,032				99
Installment		170				2				274				2				332				4
Total		72,755				1,713				56,451				1,269				46,795				1,147
Loans with an allowance recorded
Commercial & industrial		4,721				87				900				44				1,204				28
Lease financing		57				0				0				0				0				0
Construction real estate		0				0				0				0				0				0
Commercial real estate		1,339				31				1,402				18				2,634				40
Residential real estate		446				12				895				23				1,112				26
Home equity		0				0				80				3				101				4
Installment		0				0				0				0				0				0
Total		6,563				130				3,277				88				5,051				98
Total
Commercial & industrial		36,567				1,013				15,398				404				14,371				308
Lease financing		225				0				21				0				112				4
Construction real estate		6				0				20				2				601				1
Commercial real estate		20,096				388				26,140				508				23,569				603
Residential real estate		16,361				319				12,254				324				8,728				222
Home equity		5,893				121				5,621				117				4,133				103
Installment		170				2				274				2				332				4
Total		$	79,318			$	1,843			$	59,728			$	1,357			$	51,846			$	1,245

Changes in Other Real Estate Owned

Changes in OREO were as follows:

		Years ended December 31,
(Dollars in thousands)		2019				2018				2017
Balance at beginning of year		$	1,401			$	2,781			$	6,284
Additions
Commercial		415				1,269				1,732
Residential		2,033				1,913				2,387
Total additions		2,448				3,182				4,119
Disposals
Commercial		(541		)		(2,967		)		(5,409		)
Residential		(912		)		(830		)		(1,574		)
Total disposals		(1,453		)		(3,797		)		(6,983		)
Valuation adjustments
Commercial		(112		)		(355		)		(439		)
Residential		(251		)		(410		)		(200		)
Total valuation adjustments		(363		)		(765		)		(639		)
Balance at end of year		$	2,033			$	1,401			$	2,781

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LOANS - Carrying Amount of Accretable Yield for Purchased Impaired and Nonimpaired Loans [Abstract]

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