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Dec 31, 2019

First BanCorp Q4 2019 Earnings Report

Net income decreased due to merger costs and interest rate environment.

Key Takeaways

First BanCorp reported net income of $36.4 million, or $0.16 per diluted share, for Q4 2019, which included $6.8 million of after-tax merger and restructuring charges. Adjusted core results were $42.8 million, or $0.19 per diluted share.

Net income was $36.4 million for the fourth quarter of 2019.

Adjusted net income was $42.8 million, or $0.19 per diluted share.

Loan portfolio grew with continued reductions in non-performing assets.

Deposits grew by $261 million in all regions excluding government and brokered CDs.

Total Revenue
$140M
Previous year: $138M
+1.6%
EPS
$0.19
Previous year: $0.2
-5.0%
Net Interest Margin
4.7%
Annualized Net Charge-Offs
0.84%
Total Capital Ratio
25.22%
Gross Profit
$158M
Previous year: $151M
+4.8%
Cash and Equivalents
$644M
Previous year: $586M
+9.9%
Free Cash Flow
$53.3M
Previous year: $70.1M
-24.0%
Total Assets
$12.6B
Previous year: $12.2B
+3.0%

First BanCorp

First BanCorp