First Financial Bancorp. (FFBC)

CPP Investment Portfolio
June 30, 2009

Established CPP Investment Portfolio with proceeds received from Treasury

Totaled approximately $60 million at June 30, 2009, compared with $225 million at
March 31, 2009, and $122 million at December 31, 2008

Earnings from the CPP Investment Portfolio in the first and second quarters of 2009 had
a positive effect on net interest income and exceeded quarterly dividends paid to
Treasury on its investment in the preferred shares

Executed a strategy to restructure the CPP Investment Portfolio to fund the $145
million loan purchase from Irwin

Sold approximately $149 million in securities from the CPP Investment Portfolio
resulting in an aggregate pre-tax gain of $3.3 million

Irwin loan purchase provided opportunity to accelerate redeployment strategy of shifting
from investment securities into loans

CPP Investment Portfolio
March 31, 2009

Established CPP Investment Portfolio with proceeds received from Treasury

Totaled approximately $225.4 million compared with $122.5 million at December 31, 2008

Short and long-term plans for the utilization of CPP proceeds

Selectively added to the CPP Investment Portfolio during the first quarter of 2009

Funded with short-term borrowings to maximize return on net interest income

Ratio of investments to capital, or leverage, was 2.8 times the proceeds received, compared with
1.5 times at December 31, 2008, with internal maximum not to exceed 5 times

Earnings from the CPP Investment Portfolio have had, and are expected to continue to have a
positive effect on net interest income and should also exceed quarterly dividends payable to U.S.
Treasury on its investment in the preferred shares

Increased lending activities during first quarter 2009 consistent with the intent of the
Program

Commercial lending balances increased $73.1 million from December 31, 2008

Originated $47.9 residential mortgage loans compared with $21.8 million in fourth quarter 2008

Cash flows from the CPP Investment portfolio are expected to provide sufficient liquidity
and capital for redeployment into additional lending opportunities