This excerpt taken from the FFBC 8-K filed Sep 21, 2009.
This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (GAAP). First Financials
management uses these non- GAAP measures in their analysis of the Corporations performance. First Financials management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations
and enhance comparability of results with prior periods as well as demonstrating the effects of significant gains and charges in the current period. The Company believes that a meaningful analysis of its financial performance requires an understanding
of the factors underlying that performance. First Financials management believes that investors may use these non-GAAP financial measures to analyze financial performance without the impact of unusual items that may obscure trends in the
Companys underlying performance. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented
by other companies. First Financials non-GAAP disclosures include cash basis results, which adjust GAAP performance to exclude the amortization of intangibles and purchase accounting mark-to-market adjustments. First Financials
management uses these measures to evaluate the underlying performance and efficiency of its operations. First Financials management believes these measures reflect core trends of the business, excluding purchase accounting amortization that
will cease in the future, while the acquired business will remain. Tangible common equity and Tier 1 common equity ratios are non-GAAP measures. First Financial's management uses these measures to assess the quality of capital and believes that investors
may find them useful in their analysis of the Corporation. These capital measures are not necessarily comparable to similar capital measures that may be presented by other companies.
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