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Jun 30, 2021

First BanCorp Q2 2021 Earnings Report

Reported net income of $70.6 million

Key Takeaways

First BanCorp reported a strong second quarter with a net income of $70.6 million, driven by improvements in macroeconomic trends and a reserve release of $26 million. Excluding the reserve release, pre-tax, pre-provision revenue reached $96.6 million. The company also completed a stock repurchase of 7.96 million shares.

Net income was $70.6 million, or $0.33 per diluted share.

A reserve release of $26 million was driven by improving macroeconomic trends.

Pre-tax, pre-provision revenue reached $96.6 million, excluding the reserve release.

The company repurchased 7.96 million shares for approximately $100 million.

Total Revenue
$185M
Previous year: $135M
+36.7%
EPS
$0.36
Previous year: $0.1
+260.0%
Total capital ratio
20.38%
Previous year: 0.25%
+8026.0%
CET1 capital ratio
17.34%
Tier 1 capital ratio
17.64%
Gross Profit
$209M
Previous year: $153M
+36.7%
Cash and Equivalents
$2.79B
Previous year: $1.2B
+131.7%
Free Cash Flow
$107M
Previous year: $28.2M
+279.2%
Total Assets
$21.4B
Previous year: $14.1B
+51.6%

First BanCorp

First BanCorp

First BanCorp Revenue by Geographic Location

Forward Guidance

The company is on track to complete the integration and conversion of the acquired operations during the third quarter, now shifting our focus on achieving growth and capturing additional market share through our expanded and fully integrated franchise.

Revenue & Expenses

Visualization of income flow from segment revenue to net income