8-K
FIRST FINANCIAL CORP /IN/ (THFF)
8-K
2022-09-06
For: 2022-09-06
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April 04, 2026
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) September 6, 2022
FIRST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
Commission File Number: 0-16759
| Indiana | 35-1546989 | |
|---|---|---|
| (State or other jurisdiction | (I.R.S. Employer | |
| incorporation or organization) | Identification No.) | |
| | | |
| One First Financial Plaza, Terre Haute, IN | 47807 | |
| (Address of principal executive office) | (Zip Code) | |
| | | |
| (812) 238-6000 | | |
| (Registrant's telephone number, including area code) |
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
**☐**Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
**☐**Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
**☐**Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
| Title of each class | | Trading Symbol | | Name of each exchange on which registered |
|---|---|---|---|---|
| Common Stock, par value $0.125 per share | | THFF | | The NASDAQ Stock Market LLC |
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 7.01. Regulation FD Disclosure.
Norman L. Lowery, Chairman and Chief Executive Officer, Norman D. Lowery, Senior Vice President and Chief Operating Officer, Rodger A. McHargue, Senior Vice President and Chief Financial Officer, and Steve Holliday, Senior Vice President and Chief Credit Officer, of First Financial Corporation, Inc. will participate in the Raymond James U.S. Bank Conference being held September 7 - 8, 2022, by hosting a series of meetings with investors on September 7, 2022.
Attached as Exhibit 99.1 is the information that will be provided to meeting participants. Such information is incorporated herein by reference.
The foregoing information is being furnished pursuant to this Item 7.01 and shall not be deemed to be “filed” for purposes of section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended. In addition, this information shall not be deemed to be incorporated by reference into any of the Registrant’s filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in any such filing.
Item 9.01. Financial Statements and Exhibits
The exhibit to this report is as follows:
| Exhibit Number | | |
|---|---|---|
| | | |
| 99.1 | | First Financial Corporation, Inc. Presentation dated September 7, 2022. |
| 104 | | Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101) |
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
| | First Financial Corporation |
|---|---|
| | |
| Dated September 6, 2022 | |
| | /s/ Rodger A. McHargue |
| | Rodger A. McHargue |
| | Secretary/Treasurer and Chief Financial Officer |
Exhibit 99.1
| Thirty-four consecutive years of increased shareholder dividends.<br>: THFF |
|---|
| Forward-looking Information<br>This presentation contains future oral and written statements of the Company and its management,<br>forward-looking statements within the meaning of the Private Securities Litigation Reform Act of<br>1995 with respect to the financial condition, results of operations, plans, objectives, future<br>performance and business of the Company. Forward-looking statements are generally identifiable<br>by the use of words such as “believe”, “expect”, “anticipate”, “estimate”, “could”, and other similar<br>expressions. All statements in this presentation, including forward-looking statements, speak only<br>as of today’s date, and the Company undertakes no obligation to update any statement in light of<br>new information or future events<br>..<br>A number of factors, many of which are beyond the ability of the Company to control or predict,<br>could cause actual results to differ materially from those in its forward-looking statements.<br>Additional information is included in the Company’s filings with the Securities and Exchange<br>Commission<br>..<br>Factors that could have a material adverse effect on the Company’s financial condition, results of<br>operations and future prospects can be found in the “Risk Factors” section in the Company’s Annual<br>Report on Form 10-K for the year ended December 31, 2021 and elsewhere in the Company’s<br>periodic and current reports filed with the Securities and Exchange Commission.<br><br>These factors include, but are not limited to, the effects of future economic, business and market<br>conditions and changes, domestic and foreign, including competition, governmental policies and<br>seasonality; legislative and regulatory changes, including changes in banking, securities and tax<br>laws and regulations and their application by Company regulators, and changes in the scope and<br>cost of FDIC insurance and other coverages; the risks of changes in interest rates on the levels,<br>composition and costs of deposits, loan demand and other interest sensitive assets and liabilities;<br>the failure of assumptions and estimates underlying the establishment of reserves for possible loan<br>losses, analysis of capital needs and other estimates; changes in borrowers’ credit risks and<br>payment behaviors; and changes in the availability and cost of credit and capital. |
| --- |
| Norman L. Lower<br>y<br>Chairman, Chief Executive Officer, Presiden<br>t<br>Norman D. Lower<br>y<br>Chief Operating Officer, SV<br>P<br>Rodger A. McHargu<br>e<br>Chief Financial Officer, SV<br>P<br>Steven H. Hollida<br>y<br>Chief Credit Officer, SVP |
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| First Financial Corporatio<br>n<br>Indiana’s first multi-bank holding company<br>Established 198<br>4<br>84 Locations<br><br>78 full service banking center<br>s<br>6 loan production office<br>s<br>$5.0 Billion in Assets<br><br>June 30, 202<br>1<br>$1.6 Billion<br><br>Trust and Assets Under Managemen<br>t<br>First Financial Bank<br><br>Primary subsidiary founded in 183<br>4<br>Oldest national bank in Indiana<br><br>5th oldest national bank in the U.S<br>..<br>Terre Haute, Indiana<br><br>Headquarters<br>Illinoi<br>s<br>28 Banking Center<br>s<br>1 Loan Office<br>Indian<br>a<br>25 Banking Center<br>s<br>2 Loan Offices<br>Kentuck<br>y<br>18 Banking Center<br>s<br>1 Loan Office<br>Tennesse<br>e<br>7 Banking Center<br>s<br>2 Loan Offices |
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| 5<br>Our Visio<br>n<br>To enhance our clients’ abilities to spend, save, borrow and invest.<br>Our Missio<br>n<br>To deliver financial solutions that are simple, fast and easy.<br>Our Value<br>s<br>We build strong relationships and treat each other with dignity and respect<br>..<br>We embrace the diversity of our customers and co-workers<br>..<br>We apply the highest standards of excellence to everything we do<br>..<br>We work as a team to deliver world-class customer service<br>..<br>We get involved in our communities<br>..<br>We recognize profitability is essential to our future success.<br>Best Ban<br>k<br>13 Years in a Ro<br>w<br>Tribune-Star Readers’ Choice<br>Top 100 Farm<br><br>Lender in Americ<br>a<br>FDIC<br>5-Star Ratin<br>g<br>BauerFinancial<br>One of America’s<br>Best Banks |
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| 6<br>Capital to Support<br>Strategic Growth<br>Value Proposition<br>Increasin<br>g<br>Shareholder<br><br>Value<br>Experienced Management Team<br>Proven Earnings<br>180+ year Operating Track Record<br>Strong Risk<br>Management<br>Well-positioned Balance Sheet & Strong Asset Quality |
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| TBV<br>$0.00<br>$10.00<br>$20.00<br>$30.00<br>$40.00<br>2000<br>2002<br>2004<br>2006<br>2008<br>2010<br>2012<br>2014<br>2016<br>2018<br>2020<br>2Q22<br>CAGR 5.3%<br>Strong Capital<br>Key Capital Ratios and<br><br>Per Share Data<br><br>As of June 30, 2022<br>7<br>0.00%<br>3.50%<br>7.00%<br>10.50%<br>14.00%<br>2000<br>2002<br>2004<br>2006<br>2008<br>2010<br>2012<br>2014<br>2016<br>2018<br>2020<br>2Q22<br>TCE<br>Total Risk Based<br>14.65%<br>Tier 1 Risk Based<br>13.51%<br>Tier 1 Leverage<br>9.97%<br>Book Value<br>$38.36<br>Tangible Book Value<br>$30.52 |
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| History of Earnings and Dividend Growth<br>Earnings and Dividends Per Share<br> '-<br> 1.25<br> 2.50<br> 3.75<br> 5.00<br>2000<br>2001<br>2002<br>2003<br>2004<br>2005<br>2006<br>2007<br>2008<br>2009<br>2010<br>2011<br>2012<br>2013<br>2014<br>2015<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>1.06<br>1.04<br>1.02<br>1.02<br>2.50<br>0.99<br>0.98<br>0.97<br>0.96<br>0.94<br>0.93<br>0.91<br>0.90<br>0.88<br>0.86<br>0.84<br>0.80<br>0.75<br>0.65<br>0.60<br>0.56<br>0.51<br>4.02<br>3.93<br>3.80<br>3.80<br>2.38<br>3.12<br>2.35<br>2.55<br>2.37<br>2.48<br>2.83<br>2.14<br>1.73<br>1.89<br>1.94<br>1.77<br>1.72<br>2.07<br>1.95<br>2.10<br>1.78<br>1.72<br> EPS<br> Dividends Paid<br>CAGR 2000 - 202<br>1<br>EPS 6.37<br>%<br>Dividends 5.14%<br>8 |
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| 9<br>FFIEC BHC UBPR Data<br>Centralized committee structure<br><br>We are an in-market lender to clients<br><br>Disciplined underwritin<br>g<br>Net Charge-offs<br>0.00%<br>0.04%<br>0.08%<br>0.11%<br>0.15%<br> '(500)<br> '-<br> 500<br> 1,000<br> 1,500<br> 2,000<br>2Q21<br>3Q21<br>4Q21<br>1Q22<br>2Q22<br> Dollar ($000)<br>% Total Loans<br>0.00%<br>0.03%<br>0.07%<br>0.01%<br>0.01%<br>0.00%<br>0.03%<br>0.07%<br>0.01%<br>0.01%<br>1.40%<br>1.50%<br>1.60%<br>1.70%<br>1.80%<br> 44,000<br> 45,000<br> 46,000<br> 47,000<br> 48,000<br>2Q21<br>3Q21<br>4Q21<br>1Q22<br>2Q22<br>Amount ($000)<br>% Total Loans<br>1.59%<br>1.72%<br>1.76%<br>1.79%<br>1.80%<br>1.59%<br>1.72%<br>1.76%<br>1.79%<br>1.80%<br>Reserves / Loans<br>Non-Performing Assets<br>Strong Asset Quality<br>NPA ($000)<br> Total NPAS / Loans<br>2Q21<br>20,018<br>0.78%<br>3Q21<br>19,494<br>0.79%<br>4Q21<br>14,904<br>0.53%<br>1Q22<br>12,961<br>0.46%<br>2Q22<br>13,509<br>0.47% |
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| Better than Peer Performance<br>Non-interest Income % Avg Assets<br>10<br> '-<br> 0.43<br> 0.85<br> 1.28<br> 1.70<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>1Q22<br>FFC<br>Peer<br>0.85<br>0.94<br>0.98<br>0.9<br>0.9<br>0.93<br>0.91<br>1.08<br>0.88<br>1.00<br>1.12<br>1.32<br>1.22<br>1.61<br>0.85<br>0.94<br>0.98<br>0.9<br>0.9<br>0.93<br>0.91<br>Return on Assets<br> '-<br> 0.40<br> 0.80<br> 1.20<br> 1.60<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>2Q22<br>FFC<br>Peer<br><br> 1.25<br> 0.97<br> 1.19<br> 1.22<br> 0.95<br> 0.92<br> 1.43<br> 1.10<br> 1.25<br> 1.42<br> 1.56<br> 0.98<br> 1.30<br><br> 1.25<br> 0.97<br> 1.19<br> 1.22<br> 0.95<br> 0.92<br>FFIEC BHC UBPR Data<br>FFIEC BHC UBPR Data |
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| Net Interest Income<br><br>Loan Growth Driving Growth in Income<br> 2.00<br> 3.00<br> 4.00<br> 5.00<br> 6.00<br> '-<br> 37,500<br> 75,000<br> 112,500<br> 150,000<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>YTD 06/30/22<br>NII<br>NIM<br>3.31<br>3.2<br>4.05<br>4.25<br>4.32<br>4.11<br>4.04<br> 78,280<br> 143,401<br> 146,346<br> 131,652<br> 116,579<br> 107,857<br> 104,973<br>3.31<br>3.2<br>4.05<br>4.25<br>4.32<br>4.11<br>4.04<br>9.03% CAGR<br>11<br>$’s in (000’s) |
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| Diversified Loan Portfolio<br>12<br>Commercial Loans By State<br>Loan Portfolio<br>Balance ($000)<br>Total $2,892,488<br>Loan Portfolio<br> ($000)<br>Balance<br>Percent<br>Commercial<br>2,010,949<br>69.5%<br>Consumer<br>627,673<br>21.7%<br>Residential<br>253,866<br>8.8%<br>Total<br>2,892,488<br>100%<br>Other<br>33%<br>TN<br>13%<br>KY<br>6%<br>IL<br>11%<br>IN<br>37%<br>Residential<br>9%<br>Consumer<br>22%<br>Commercial<br>69%<br>Residential<br>$253,866<br>Consumer<br>$627,673<br>Commercial<br>$2,010,949 |
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| Consumer Loan Portfolio<br>Total Loans $627,673,000<br><br>98.0% Secured Consumer Loan<br>s<br>49.0% ≥ 701 FIC<br>O<br>24.0% 651 to 70<br>0<br>19.0% 600 to 65<br>0<br>8.0% < 600 (Includes No Score<br>)<br>62.1% Indirect Auto ($389,925,881<br>)<br>13.9% New ($54,275,054<br>)<br>86.1% Used ($335,650,836<br>)<br>Asset Qualit<br>y<br>30 – 89 day YTD Average<br><br> Past Due 1.63%<br>13<br>Credit Card<br>1%<br>Other<br>3%<br>Indirect Auto<br>62%<br>Direct Auto<br>16%<br>HELOC<br>18% |
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| Mortgage Loan Portfolio<br>Total Loans $253,866,000<br><br>64.0% YTD Production Sol<br>d<br>•<br>Primarily in-market lende<br>r<br>Portfoli<br>o<br>•<br>Underwritten to FHLMC Guideline<br>s<br>•<br>86.1% with credit scores > 65<br>0<br>•<br>Average LTV 64.5%<br>%<br>Asset Qualit<br>y<br>•<br>12 monthly average past due 1.90%<br>14<br>Adjustable<br>58%<br>Fixed<br>42% |
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| Commercial Real Estate Mix<br>Non-owner Occupied CRE<br><br>As % of Total Commercial Real Estate Loans<br>Residential Multi-family<br>36.58%<br>Retail<br>10.19%<br>Hotel<br>8.95%<br>Property Management<br>6.10%<br>Student Housing<br>4.20%<br>Medical Office<br>2.31%<br>Other<br>9.64%<br>15<br>Owner Occupied CRE<br>$177,323 M<br>Residential Multi-family<br>$356,044 M<br>NOO Retail<br>$99,173 M<br>Student Housing<br>$40,857 M<br>Hotel<br>$87,105 M<br>Residential & Non-residential<br>Property Management<br>$59,395 M<br>Medical Office<br>$22,491 M<br>Land Development<br>$31,894 M<br>Single Family Housing<br>$5,169 M<br>Other<br>$93,803 M<br>Total<br>$973,254 M<br>Total Commercial<br><br>Real Estate Loans |
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| 16<br>Agriculture<br>23.56%<br>$244,532,384<br>Construction<br>7.14%<br>$74,060,853<br>Health Services<br>7.20%<br>$74,743,849<br>Banking & Financial Services<br>3.66%<br>$38,009,124<br>Floor Plans & Auto Industry<br>3.65%<br>$37,915,724<br>Retail Eating Establishments<br>1.13%<br>$11,694,699<br>Other Retail + Convenience<br>4.72%<br>$48,956,055<br>Transportation<br>4.26%<br>$44,237,406<br>Manufacturing<br>2.55%<br>$26,450,550<br>Personal Services<br>10.92%<br>$113,274,245<br>Government Entities<br>8.38%<br>$87,008,277<br>Schools<br>1.74%<br>$18,079,633<br>Forestry, Oil, Gas & Energy<br>2.56%<br>$26,597,581<br>Religious Organizations<br>1.33%<br>$13,830,447<br>Amusment & Recreation<br>2.13%<br>$22,138,284<br>Wholesale Distribution<br>4.07%<br>$42,203,251<br>Other<br>10.98%<br>$113,962,950<br>Total<br>100.00%<br>$1,037,695,312<br>Other<br>11%<br>Wholesale Distribution<br>4%<br>Amusement & Recreation<br>2%<br>Religious Organizations<br>1%<br>Forestry, Oil/Gas & Energy<br>3%<br>Schools<br>2%<br>Government Entities<br>8%<br>Personal Services<br>11%<br>Manufacturing<br>3%<br>Transportation<br>4%<br>Other Retail+Convenience<br>5%<br>Retail Eating Establishments<br>1%<br>Floor Plans<br>4%<br>Banking & Financial Services<br>4%<br>Health Services<br>7%<br>Construction<br>7%<br>Agriculture<br>24%<br>C&I Loans<br><br>as a % of Total Commercial Loans |
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| Commercial Production Pipeline<br>Production<br>YTD 6/30/2022<br>17<br>Region<br>Pipeline<br>New Money<br>Central<br>$114,343,000<br>$84,991,000<br>West<br>$146,679,054<br>$139,439,045<br>Southern<br>$83,930,350<br>$74,899,444<br>Mid-<br>Central<br>$79,226,256<br>$47,774,035<br>Mid-South<br>$247,868,574<br>$206,558,705<br>Indy LPO<br>$36,636,196<br>$36,636,196<br>Total<br>$708,683,430<br>$590,298,495<br>Current Pipeline<br><br>Dollars<br>Region<br>Term<br>Production<br>Line<br>Production<br>Central<br>$69,623,514<br>$6,962,050<br>West<br>$137,610,758<br>$12,365,000<br>Southern<br>$76,459,447<br>$13,913,200<br>Mid-<br>Central<br>$28,097,360<br>$35,135,102<br>Mid-South<br>$44,327,524<br>$17,622,744<br>Indy LPO<br>$40,689,290<br>$2,322,761<br>Total<br>$396,807,893<br>$88,320,857<br>Region<br>Pipeline $<br>Terre Haute Market Area<br>$75,441,093<br>Champaign, IL MSA<br>Bloomington, IL MSA<br>$90,999,194<br>Vincennes Market Area<br>$55,877,530<br>Evansville, IN<br><br>Bowling Green, KY<br>$88,226,256<br>Clarksville, TN / Nashville,<br>TN / Murfreesboro, TN<br>$193,267,986<br>Central Indiana / Indpls.<br>MSA<br>$204,871,371<br>Total<br>$708,683,430<br>Current Pipeline<br><br>Location |
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| 18<br>Deposit Mix<br>Strong Core Deposit Franchise<br>0.00%<br>0.18%<br>0.35%<br>0.53%<br>0.70%<br>2011<br>2012<br>2013<br>2014<br>2015<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>2022 YTD<br>0.19%<br>0.20%<br>0.36%<br>0.56%<br>0.37%<br>0.25%<br>0.17%<br>0.16%<br>0.19%<br>0.25%<br>0.38%<br>0.63%<br>Cost of Deposits<br>BHC UBPR Interest Expense<br> '-<br> 0.28<br> 0.55<br> 0.83<br> 1.10<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>1Q22 YTD<br>FFC<br>Peer<br> 0.24<br> 0.28<br> 0.57<br> 1.02<br> 0.81<br> 0.54<br> 0.45<br> 0.15<br> 0.20<br> 0.38<br> 0.57<br> 0.36<br> 0.23<br> 0.16<br> 0.24<br> 0.28<br> 0.57<br> 1.02<br> 0.81<br> 0.54<br> 0.45<br>FFIEC BHC UBPR Data<br>Brokered CDs<br>1%<br>Time<br>11%<br>Demand & Savings<br>69%<br>Non-interest bearing<br>19% |
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| Disciplined Expense Management<br>0<br>30000<br>60000<br>90000<br>120000<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>2Q22<br>$62,018<br>$117,406<br>$112,758<br>$104,348<br>$91,289<br>$88,747<br>$90,308<br>19<br>45.0<br>51.0<br>57.0<br>63.0<br>69.0<br>2016<br>2017<br>2018<br>2019<br>2020<br>2021<br>1Q21<br>FFC<br>Peer<br>62.29<br>60.88<br>61.22<br>61.65<br>61.22<br>62.21<br>68.42<br>60.81<br>63.33<br>59.87<br>61.23<br>58.43<br>61.62<br>59.4<br>62.29<br>60.88<br>61.22<br>61.65<br>61.22<br>62.21<br>68.42<br>FFIEC BHC UBPR Data<br>Efficiency<br>Non-interest Expense |
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| Trust and Asset Management<br>20<br>$1.5 Billion<br><br>Trust Assets Under Management<br><br>Trust Services include<br>:<br>•<br>Professional Farm Managemen<br>t<br>•<br>Trust Administratio<br>n<br>•<br>Estate Administratio<br>n<br>•<br>Retirement Service<br>s<br>•<br>Corporate Trust Services<br>Trust & Asset Mgmt<br>2021<br>YTD 2022<br>Revenue ($000)<br>5,256<br>2.672<br>Income before Tax<br>1,917<br>980 |
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| 21<br>Well-positioned for sustainable and profitable growt<br>h<br>•<br>Diversified business model with strong risk management<br><br>•<br>High-caliber team members focused on customer service and<br>technology optimizatio<br>n<br>•<br>Expanding presence in larger growth market<br>s<br>•<br>Commercial banking focus with quality core deposit<br>s<br>•<br>Demonstrated ability to successfully complete mergers and<br>acquisition<br>s<br>•<br>Unblemished track record of delivering shareholder valu<br>e<br>•<br>Thirty-four consecutive years of increased shareholder dividends<br>Key Investment Points |
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| 2019<br>2020<br>2021<br>2Q 2022<br>Net Interest Income<br> 131,652<br> 146,346<br> 143,401<br> 78,280<br>Provision<br> 4,700<br> 10,528<br> 2,466<br> <5,800><br>Non-interest Income<br> 38,452<br> 42,476<br> 42,084<br> 24,008<br>Non-interest Expense<br> 104,348<br> 112,758<br> 117,406<br> 62,018<br>Net Income<br> 48,872<br> 53,844<br> 52,987<br> 36,537<br>Earnings Per Share (diluted)<br> 3.80<br> 3.93<br> 4.02<br> 2.95<br>Total Assets<br> 4,023,250<br> 4,557,544<br> 5,175,099<br> 5,006,648<br>Net Interest Margin<br> 4.25<br> 4.05<br> 3.20<br> 3.31<br>Return on Average Assets<br> 1.42<br> 1.25<br> 1.10<br> 1.43<br>Return on Average Equity<br> 9.83<br> 9.07<br> 8.87<br> 13.80<br>3-Year Financial Highlights<br>Dollars in millions except per share data<br>22 |
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| Norman L. Lowery<br><br>Chairman, Chief Executive Officer, President<br><br>812.238.6487 / lowerynl@first-online.com<br>Thank You!<br>Rodger A. McHargue<br><br>Chief Financial Officer, SVP<br><br>812.238.6334 /<br>rmchargue@first-online.com<br>Norman D. Lowery<br><br>Chief Operating Officer, SVP<br><br>812.238.6185 / lowerynd@first-online.com<br>Steve Holliday<br><br>Chief Credit Officer, SVP<br><br>812.238.6264 / sholliday@first-online.com<br>: THFF |
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