Financial HighlightsFIRST BANCORP. (NYSE - FBP)  
 2016 FQ22016 FQ32016 FQ42017 FQ12017 FQ2
Period Ended6/30/20169/30/201612/31/20163/31/20176/30/2017
Balance Sheet ($000)   
Total Assets12,508,70212,075,25311,922,45511,890,39811,913,800
Total Net Loans8,674,2518,706,3638,731,2768,665,0248,724,963
Total Deposits9,225,0198,981,3138,831,2058,857,9988,742,893
Equity Attributable to Parent Company1,786,4531,799,8861,786,2431,823,0171,859,910
Total Equity1,786,4531,799,8861,786,2431,823,0171,859,910
Profitability (%)   
Net Income ($000) 21,95324,07423,85825,54127,998
Net Income Attributable to Parent ($000) 21,95324,07423,85825,54127,998
ROAA0.690.780.800.860.94
Core ROAA0.710.680.741.160.96
ROAE5.005.375.325.666.08
ROATCE5.415.785.685.916.34
Core ROAE5.184.664.977.626.19
Net Interest Margin4.114.174.414.494.57
Reported: Net Interest Margin4.134.154.394.554.58
Efficiency Ratio59.2260.0456.8556.2057.06
Noninterest Inc / Operating Rev14.1314.5115.3914.3214.00
Balance Sheet Ratios (%)   
Loans / Deposits96.1698.69100.6399.60101.35
Securities / Assets17.5616.8017.4617.0416.44
Total Equity / Total Assets14.2814.9114.9815.3315.61
Tangible Equity / Tangible Assets14.0314.6514.7215.0815.36
Tang Common Equity / Tang Assets13.7414.3514.4214.7715.06
Asset Quality (%)   
NPAs / Assets9.319.319.268.527.87
NPA Excl Restructured / Assets5.945.876.035.284.64
NPAs & 90+ PD / Assets9.799.789.769.128.39
NPAs / Loans & REO12.8712.4212.1511.2410.38
Nonaccrual & 90+ & OREO / Assets6.426.346.535.885.16
NPAs & 90+ PD / Loans & REO13.5413.0512.8012.0311.06
NPA & Loans 90+ / Tangible Common Equity + LLR62.8760.8560.6055.4850.92
NCOs / Avg Loans1.111.901.431.262.16
Loan Loss Reserves / Gross Loans2.632.402.302.291.95
Reserves / NPAs20.1419.0418.6220.0618.51
Loan Loss Provision / NCO85.1151.3473.2591.4737.82
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 1,543,1521,569,4821,597,1171,614,8851,647,977
Tier 1 Capital ($000) 1,543,1521,569,4821,597,1171,614,8851,647,977
Tier 2 Capital ($000) 324,688323,011324,212322,020321,510
Total Capital ($000) 1,867,8401,892,4931,921,3291,936,9051,969,487
Total Risk-weighted Assets ($000) 9,013,0428,896,9309,004,1128,864,7368,854,621
Tier 1 Common Capital (CET1) Ratio (%) 17.1217.6417.7418.2218.61
Tier 1 Ratio (%) 17.1217.6417.7418.2218.61
Total Capital Ratio (%) 20.7221.2721.3421.8522.24
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 12.3413.0413.7013.8314.14
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 217,129,074217,387,647217,446,205218,430,573215,963,916
Avg Diluted Shares (actual) 215,923,000216,578,000217,396,000217,373,000216,832,000
Basic Book Value per Share8.068.118.058.188.44
As-reported Book Value per Share8.068.118.058.188.44
Basic Tangible Book Value per Share7.897.947.888.028.28
Reported: Tangible Book Value7.837.897.837.978.24
Common Dividends Declared per Share00000
EPS after Extra0.100.110.110.110.13
EPS after Extra Growth (%) NM57.1057.10030.00
Core EPS0.100.100.100.150.13
Core EPS Growth (%) NM27.7049.1023.0027.70
Diluted EPS before Amortization0.110.120.120.110.14
Pre-Provision Earnings per Share0.150.150.170.160.17

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