Financial HighlightsFIRST BANCORP. (NYSE - FBP)  
 2016 FQ42017 FQ12017 FQ22017 FQ32017 FQ4
Period Ended12/31/20163/31/20176/30/20179/30/201712/31/2017
Balance Sheet ($000)   
Total Assets11,922,45511,890,39811,913,80012,173,64812,261,268
Total Net Loans8,731,2768,665,0248,724,9638,673,9208,651,613
Total Deposits8,831,2058,857,9988,742,8938,765,8919,022,631
Equity Attributable to Parent Company1,786,2431,823,0171,859,9101,853,7511,869,097
Total Equity1,786,2431,823,0171,859,9101,853,7511,869,097
Profitability (%)   
Net Income ($000) 23,85825,54127,998(10,752)24,169
Net Income Attributable to Parent ($000) 23,85825,54127,998(10,752)24,169
ROAA0.800.860.94(0.36)0.79
Core ROAA0.741.160.96(0.39)0.83
ROAE5.325.666.08(2.32)5.19
ROATCE5.685.916.34(2.40)NA
Core ROAE4.977.626.19(2.49)5.44
Net Interest Margin4.414.494.574.484.39
Reported: Net Interest Margin4.394.554.584.444.35
Efficiency Ratio56.8556.2057.0658.7358.60
Noninterest Inc / Operating Rev15.3914.3214.0012.3210.90
Balance Sheet Ratios (%)   
Loans / Deposits100.6399.60101.35101.2798.09
Securities / Assets17.4617.0416.4416.0417.00
Total Equity / Total Assets14.9815.3315.6115.2315.24
Tangible Equity / Tangible Assets14.7215.0815.3614.9815.01
Tang Common Equity / Tang Assets14.4214.7715.0614.6914.71
Asset Quality (%)   
NPAs / Assets9.268.527.878.27NA
NPA Excl Restructured / Assets6.035.284.645.08NA
NPAs & 90+ PD / Assets9.769.128.398.80NA
NPAs / Loans & REO12.1511.2410.3811.14NA
Nonaccrual & 90+ & OREO / Assets6.535.885.165.60NA
NPAs & 90+ PD / Loans & REO12.8012.0311.0611.85NA
NPA & Loans 90+ / Tangible Common Equity + LLR60.6055.4850.9253.19NA
NCOs / Avg Loans1.431.262.160.801.12
Loan Loss Reserves / Gross Loans2.302.291.952.592.61
Reserves / NPAs18.6220.0618.5122.93NA
Loan Loss Provision / NCO73.2591.4737.82425.53103.93
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,597,1171,614,8851,647,9771,642,777NA
Tier 1 Capital ($000) 1,597,1171,614,8851,647,9771,642,777NA
Tier 2 Capital ($000) 324,212322,020321,510314,505NA
Total Capital ($000) 1,921,3291,936,9051,969,4871,957,282NA
Total Risk-weighted Assets ($000) 9,004,1128,864,7368,854,6218,823,687NA
Tier 1 Common Capital (CET1) Ratio (%) 17.7418.2218.6118.6218.96
Tier 1 Ratio (%) 17.7418.2218.6118.6218.97
Total Capital Ratio (%) 21.3421.8522.2422.1822.53
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 13.7013.8314.1413.9614.03
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 217,446,205218,430,573215,963,916216,175,003216,278,040
Avg Diluted Shares (actual) 217,396,000217,373,000216,832,000214,187,000216,069,000
Basic Book Value per Share8.058.188.448.418.48
As-reported Book Value per Share8.058.188.448.418.48
Basic Tangible Book Value per Share7.888.028.288.258.32
Reported: Tangible Book Value7.837.978.248.218.28
Common Dividends Declared per Share00000
EPS after Extra0.110.110.13(0.05)0.11
EPS after Extra Growth (%) 57.10030.00NM0
Core EPS0.100.150.13(0.05)0.12
Core EPS Growth (%) 49.1023.0027.70NM12.60
Diluted EPS before Amortization0.120.110.14(0.05)NA
Pre-Provision Earnings per Share0.170.160.170.150.16

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