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Sep 30, 2021

First BanCorp Q3 2021 Earnings Report

Reported net income and record pre-tax, pre-provision income.

Key Takeaways

First BanCorp reported strong third quarter results with net income of $75.7 million and a record pre-tax, pre-provision income of $103.6 million. Improvements in the economic backdrop within the operating markets and improvements in asset quality drove core performance metrics.

Net income of $75.7 million, or $0.36 per diluted share.

Adjusted pre-tax, pre-provision income of $103.6 million.

Non-performing assets reached a decade low of 0.81% of total assets.

Core deposits, net of brokered and government deposits grew by $288.5 million.

Total Revenue
$185M
Previous year: $149M
+24.2%
EPS
$0.37
Previous year: $0.1
+270.0%
Net Interest Margin
3.6%
Previous year: 3.93%
-8.4%
Tangible Common Equity Ratio
9.87%
Previous year: 11.36%
-13.1%
Gross Profit
$216M
Previous year: $174M
+23.6%
Cash and Equivalents
$2.66B
Previous year: $2.36B
+12.6%
Free Cash Flow
$76.4M
Previous year: $43.9M
+73.9%
Total Assets
$21.3B
Previous year: $18.7B
+13.9%

First BanCorp

First BanCorp

First BanCorp Revenue by Geographic Location

Forward Guidance

The company did not provide specific forward guidance in this earnings report.

Revenue & Expenses

Visualization of income flow from segment revenue to net income