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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Net Income
$100,526,000
EPS
$0.63
Unit: Dollar
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
Loans
247,216,000
242,573,000
Investment securities
25,832,000
23,720,000
Money market investments and interest-bearing cash accounts
9,695,000
11,897,000
Total interest and dividend income
282,743,000
278,190,000
Deposits
61,345,000
58,638,000
Short-term borrowings
10,000
0
Long-term borrowings
3,472,000
3,693,000
Total interest expense
64,827,000
62,331,000
Net interest income
217,916,000
215,859,000
Loans and finance leases
18,270,000
20,381,000
Unfunded loan commitments
-756,000
287,000
Debt securities
79,000
-81,000
Provision for credit losses - expense
17,593,000
20,587,000
Net interest income after provision for credit losses
200,323,000
195,272,000
Service charges and fees on deposit accounts
9,811,000
9,756,000
Mortgage banking activities
3,309,000
3,401,000
Insurance commission income
2,618,000
2,538,000
Card and processing income
11,682,000
11,880,000
Other non-interest income
3,374,000
3,375,000
Total non-interest income
30,794,000
30,950,000
Employees' compensation and benefits
59,761,000
60,058,000
Occupancy and equipment
22,185,000
22,297,000
Business promotion
3,884,000
3,495,000
Professional service fees
11,903,000
11,609,000
Taxes, other than income taxes
6,092,000
5,712,000
Fdic deposit insurance
2,236,000
2,235,000
Net loss (gain) on oreo operations
1,033,000
-591,000
Credit and debit card processing expenses
7,889,000
7,747,000
Communications
2,294,000
2,208,000
Other non-interest expenses
7,617,000
8,567,000
Total non-interest expenses
124,894,000
123,337,000
Income before income taxes
106,223,000
102,885,000
Income tax expense
5,697,000
22,705,000
Net income
100,526,000
80,180,000
Basic EPS
0.63
0.5
Diluted EPS
0.63
0.5
Basic Average Shares
159,291,000
160,884,000
Diluted Average Shares
160,087,000
161,513,000
Page 1
Unit: Dollar. Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans
$247,216,000
Investment securities
$25,832,000
Money market
investments and...
$9,695,000
Total interest and
dividend income
$282,743,000
Net interest income
$217,916,000
Card and processing
income
$11,682,000
Service charges and fees
on deposit...
$9,811,000
Other non-interest
income
$3,374,000
Mortgage banking
activities
$3,309,000
Insurance commission
income
$2,618,000
Total interest
expense
$64,827,000
Net interest income
after provision for...
$200,323,000
Total non-interest
income
$30,794,000
Provision for credit
losses - expense
$17,593,000
Unfunded loan
commitments
-$756,000
Deposits
$61,345,000
Long-term borrowings
$3,472,000
Short-term borrowings
$10,000
Income before income
taxes
$106,223,000
Total non-interest
expenses
$124,894,000
Loans and finance
leases
$18,270,000
Debt securities
$79,000
Net income
$100,526,000
Income tax expense
$5,697,000
Employees' compensation
and benefits
$59,761,000
Occupancy and equipment
$22,185,000
Professional service fees
$11,903,000
Credit and debit card
processing expenses
$7,889,000
Other non-interest
expenses
$7,617,000
Taxes, other than
income taxes
$6,092,000
Business promotion
$3,884,000
Communications
$2,294,000
Fdic deposit
insurance
$2,236,000
Net loss (gain) on
oreo operations
$1,033,000
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FIRST BANCORP PR (FBP)
FIRST BANCORP PR (FBP)