Financial HighlightsFIRST BANCORP. (NYSE - FBP)  
 2016 FQ32016 FQ42017 FQ12017 FQ22017 FQ3
Period Ended9/30/201612/31/20163/31/20176/30/20179/30/2017
Balance Sheet ($000)   
Total Assets12,075,25311,922,45511,890,39811,913,80012,173,648
Total Net Loans8,706,3638,731,2768,665,0248,724,9638,673,920
Total Deposits8,981,3138,831,2058,857,9988,742,8938,765,891
Equity Attributable to Parent Company1,799,8861,786,2431,823,0171,859,9101,853,751
Total Equity1,799,8861,786,2431,823,0171,859,9101,853,751
Profitability (%)   
Net Income ($000) 24,07423,85825,54127,998(10,752)
Net Income Attributable to Parent ($000) 24,07423,85825,54127,998(10,752)
ROAA0.780.800.860.94(0.36)
Core ROAA0.680.741.160.96(0.39)
ROAE5.375.325.666.08(2.32)
ROATCE5.785.685.916.34(2.40)
Core ROAE4.664.977.626.19(2.49)
Net Interest Margin4.174.414.494.574.48
Reported: Net Interest Margin4.154.394.554.584.44
Efficiency Ratio60.0456.8556.2057.0658.73
Noninterest Inc / Operating Rev14.5115.3914.3214.0012.32
Balance Sheet Ratios (%)   
Loans / Deposits98.69100.6399.60101.35101.27
Securities / Assets16.8017.4617.0416.4416.04
Total Equity / Total Assets14.9114.9815.3315.6115.23
Tangible Equity / Tangible Assets14.6514.7215.0815.3614.98
Tang Common Equity / Tang Assets14.3514.4214.7715.0614.69
Asset Quality (%)   
NPAs / Assets9.319.268.527.878.27
NPA Excl Restructured / Assets5.876.035.284.645.08
NPAs & 90+ PD / Assets9.789.769.128.398.80
NPAs / Loans & REO12.4212.1511.2410.3811.14
Nonaccrual & 90+ & OREO / Assets6.346.535.885.165.60
NPAs & 90+ PD / Loans & REO13.0512.8012.0311.0611.85
NPA & Loans 90+ / Tangible Common Equity + LLR60.8560.6055.4850.9253.19
NCOs / Avg Loans1.901.431.262.160.80
Loan Loss Reserves / Gross Loans2.402.302.291.952.59
Reserves / NPAs19.0418.6220.0618.5122.93
Loan Loss Provision / NCO51.3473.2591.4737.82425.53
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,569,4821,597,1171,614,8851,647,9771,642,777
Tier 1 Capital ($000) 1,569,4821,597,1171,614,8851,647,9771,642,777
Tier 2 Capital ($000) 323,011324,212322,020321,510314,505
Total Capital ($000) 1,892,4931,921,3291,936,9051,969,4871,957,282
Total Risk-weighted Assets ($000) 8,896,9309,004,1128,864,7368,854,6218,823,687
Tier 1 Common Capital (CET1) Ratio (%) 17.6417.7418.2218.6118.62
Tier 1 Ratio (%) 17.6417.7418.2218.6118.62
Total Capital Ratio (%) 21.2721.3421.8522.2422.18
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 13.0413.7013.8314.1413.96
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 217,387,647217,446,205218,430,573215,963,916216,175,003
Avg Diluted Shares (actual) 216,578,000217,396,000217,373,000216,832,000214,187,000
Basic Book Value per Share8.118.058.188.448.41
As-reported Book Value per Share8.118.058.188.448.41
Basic Tangible Book Value per Share7.947.888.028.288.25
Reported: Tangible Book Value7.897.837.978.248.21
Common Dividends Declared per Share00000
EPS after Extra0.110.110.110.13(0.05)
EPS after Extra Growth (%) 57.1057.10030.00NM
Core EPS0.100.100.150.13(0.05)
Core EPS Growth (%) 27.7049.1023.0027.70NM
Diluted EPS before Amortization0.120.120.110.14(0.05)
Pre-Provision Earnings per Share0.150.170.160.170.15

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