UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________ FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period from ___________________ to___________________ COMMISSION FILE NUMBER001-14793 FIRST BANCORP. (EXACT NAME OF REGISTRANT AS SPECIFIEDIN ITS CHAR ...

First BanCorp. (NYSE:FBP) Q3 2022 Earnings Conference Call October 25, 2022 10:00 AM ET Company Participants Aurelio Aleman - President & CEO Orlando Berges - EVP & CFO Ramon Rodriguez - Corporate Strategy & IR Conference Call Participants Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Thank you for standing by, and welcome to the First BanCorp 3Q 2022 financial results call. My name is Sam, and I'll be your moderator for today’s call. [Operator Instructions]. I'll now ...

PART I. FINANCIAL INFORMATION [Item 1. Financial Statements](index=6&type=section&id=Item%201.%20Financial%20Statements) This section presents the unaudited consolidated financial statements for First Bancorp as of June 30, 2022, and for the three and six-month periods then ended [Consolidated Statements of Financial Condition](index=6&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets, liabilities, and equity decreased due to reduced cash, lower deposits, and increased comprehensive loss Consolidated Balance Sheet Highlights (in thousands) | Account | June 30, 2022 | December 31, 2021 | Change | | :--- | :--- | :--- | :--- | | **Total Assets** | **$19,531,635** | **$20,785,275** | **($1,253,640)** | | Cash and due from banks | $1,261,590 | $2,540,376 | ($1,278,786) | | Total available-for-sale debt securities | $6,081,120 | $6,453,761 | ($372,641) | | Loans, net of ACL | $10,954,722 | $10,791,628 | $163,094 | | **Total Liabilities** | **$17,973,719** | **$18,683,508** | **($709,789)** | | Total deposits | $17,140,128 | $17,784,894 | ($644,766) | | **Total Stockholders' Equity** | **$1,557,916** | **$2,101,767** | **($543,851)** | | Accumulated other comprehensive loss | ($591,756) | ($83,999) | ($507,757) | [Consolidated Statements of Income](index=7&type=section&id=Consolidated%20Statements%20of%20Income) Q2 net income rose to $74.7 million, driven by higher net interest income despite credit loss provisions Quarterly Income Statement Highlights (in thousands, except per share data) | Metric | Q2 2022 | Q2 2021 | YoY Change | | :--- | :--- | :--- | :--- | | Net Interest Income | $196,186 | $184,783 | +6.2% | | Provision for credit losses | $10,003 | ($26,155) | N/A | | Non-interest Income | $30,941 | $29,884 | +3.5% | | Non-interest Expenses | $108,326 | $130,172 | -16.8% | | **Net Income** | **$74,695** | **$70,558** | **+5.9%** | | **Diluted EPS** | **$0.38** | **$0.33** | **+15.2%** | Six-Month Income Statement Highlights (in thousands, except per share data) | Metric | H1 2022 | H1 2021 | YoY Change | | :--- | :--- | :--- | :--- | | Net Interest Income | $381,810 | $361,048 | +5.8% | | Provision for credit losses | ($3,799) | ($41,407) | N/A | | Non-interest Income | $63,799 | $60,840 | +4.9% | | Non-interest Expenses | $214,985 | $263,473 | -18.4% | | **Net Income** | **$157,295** | **$131,708** | **+19.4%** | | **Diluted EPS** | **$0.80** | **$0.60** | **+33.3%** | [Consolidated Statements of Comprehensive (Loss) Income](index=8&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20(Loss)%20Income) Q2 2022 total comprehensive loss was $101.2 million, driven by unrealized losses on debt securities from rising rates Comprehensive (Loss) Income (in thousands) | Metric | Q2 2022 | Q2 2021 | H1 2022 | H1 2021 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $74,695 | $70,558 | $157,295 | $131,708 | | Net unrealized holding (losses) gains on debt securities | ($175,923) | $28,496 | ($507,757) | ($70,433) | | **Total Comprehensive (Loss) Income** | **($101,228)** | **$99,054** | **($350,462)** | **$61,275** | [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash decreased by $1.28 billion, driven by cash used in investing and financing activities, despite stable operating cash Six-Month Cash Flow Summary (in thousands) | Cash Flow Category | H1 2022 | H1 2021 | | :--- | :--- | :--- | | Net cash provided by operating activities | $219,608 | $224,526 | | Net cash used in investing activities | ($557,692) | ($1,435,009) | | Net cash (used in) provided by financing activities | ($941,451) | $2,505,419 | | **Net (decrease) increase in cash and cash equivalents** | **($1,279,535)** | **$1,294,936** | [Notes to Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Detailed disclosures cover debt securities, loan portfolios, credit losses, deposits, equity, segment performance, and regulatory capital [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=82&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses financial performance, condition, and risk management, including Q2 results, income/expense, balance sheet, and various risks [Executive Summary](index=82&type=section&id=Executive%20Summary) Q2 2022 net income increased to $74.7 million, with a new $350 million stock repurchase program and LIBOR transition management - A new stock repurchase program of up to **$350 million** was approved in April 2022. As of August 3, 2022, the Corporation had repurchased approximately **10.71 million shares** for **$150 million** under this program[222](index=222&type=chunk) - The Corporation's total LIBOR exposure was approximately **$2.4 billion** as of June 30, 2022, primarily in commercial loans, debt securities, and subordinated debentures. New originations using LIBOR ceased as of December 31, 2021[226](index=226&type=chunk)[227](index=227&type=chunk) [Results of Operations](index=84&type=section&id=Results%20of%20Operations) Q2 2022 net income rose to $74.7 million, driven by higher net interest income and lower non-interest expenses - Net interest income for Q2 2022 increased by **$11.4 million** YoY to **$196.2 million**, driven by lower MBS premium amortization, upward repricing of variable-rate loans, and growth in consumer loans[233](index=233&type=chunk)[250](index=250&type=chunk)[259](index=259&type=chunk) - The provision for credit losses was an expense of **$10.0 million** in Q2 2022, a reversal from a **$26.2 million** benefit in Q2 2021, reflecting increased uncertainties in the economic outlook[235](index=235&type=chunk) - Non-interest expenses fell by **$21.9 million** YoY to **$108.3 million**. This was largely due to the absence of **$11.0 million** in merger/restructuring costs and **$1.1 million** in COVID-related expenses that were present in Q2 2021[238](index=238&type=chunk)[296](index=296&type=chunk) [Financial Condition Analysis](index=100&type=section&id=Financial%20Condition%20Analysis) Total assets decreased by $1.3 billion due to reduced cash, while the loan portfolio grew and investment securities declined - Total assets decreased by **$1.3 billion** since year-end 2021, primarily due to a **$1.3 billion** decrease in cash and cash equivalents[312](index=312&type=chunk) Loan Portfolio Composition (in thousands) | Loan Category | June 30, 2022 | Dec 31, 2021 | Change | | :--- | :--- | :--- | :--- | | Residential mortgage | $2,851,685 | $2,978,895 | ($127,210) | | Commercial & Construction | $5,248,340 | $5,193,719 | $54,621 | | Consumer loans & finance leases | $3,106,849 | $2,888,044 | $218,805 | | **Total loans held for investment** | **$11,206,874** | **$11,060,658** | **$146,216** | - The available-for-sale debt securities portfolio decreased by **$372.6 million**, mainly driven by a **$507.8 million** decrease in fair value due to rising interest rates, partially offset by purchases[334](index=334&type=chunk) [Risk Management](index=108&type=section&id=Risk%20Management) The Corporation manages liquidity, interest rate, credit, and concentration risks, maintaining strong liquidity and improving credit quality - As of June 30, 2022, the core liquidity reserve was **$4.5 billion**, or **23.1%** of total assets. The Corporation had **$1.1 billion** in available borrowing capacity from the FHLB[351](index=351&type=chunk) - The Corporation remains asset-sensitive. A gradual **200 bps** increase in interest rates over 12 months is projected to increase net interest income by approximately **$26.9 million**[402](index=402&type=chunk)[404](index=404&type=chunk) Non-Performing Assets (in thousands) | Category | June 30, 2022 | Dec 31, 2021 | Change | | :--- | :--- | :--- | :--- | | Nonaccrual loans | $99,110 | $110,717 | ($11,607) | | OREO & repossessed property | $45,546 | $44,535 | $1,011 | | **Total Non-Performing Assets** | **$147,465** | **$158,102** | **($10,637)** | - The Corporation has a significant geographic concentration risk, with **79%** of its total gross loan portfolio located in Puerto Rico as of June 30, 2022[471](index=471&type=chunk)[315](index=315&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=144&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) Market risk disclosures are detailed in the Risk Management section of the MD&A - Information regarding the Corporation's exposure to market risk is detailed in the Risk Management section of the MD&A[505](index=505&type=chunk) [Item 4. Controls and Procedures](index=144&type=section&id=Item%204.%20Controls%20and%20Procedures) Disclosure controls were effective as of June 30, 2022, with no material changes to internal controls - The CEO and CFO concluded that the Corporation's disclosure controls and procedures were effective as of June 30, 2022[505](index=505&type=chunk) - No changes occurred during the quarter that materially affected, or are reasonably likely to materially affect, the Corporation's internal control over financial reporting[506](index=506&type=chunk) PART II. OTHER INFORMATION [Item 1. Legal Proceedings](index=145&type=section&id=Item%201.%20Legal%20Proceedings) The Corporation is involved in ordinary course legal proceedings not expected to materially affect its financial position - The company is party to various legal proceedings from the ordinary course of business, but management does not expect them to have a material adverse effect on its financial position[216](index=216&type=chunk)[507](index=507&type=chunk) [Item 1A. Risk Factors](index=145&type=section&id=Item%201A.%20Risk%20Factors) No material changes to risk factors previously disclosed in the 2021 Annual Report on Form 10-K - No material changes have been identified from the risk factors disclosed in the 2021 Annual Report on Form 10-K[509](index=509&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=146&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The Corporation repurchased $100 million of common stock in Q2 2022 as part of a $350 million program Issuer Purchases of Equity Securities (Q2 2022) | Period | Total Shares Purchased | Average Price Paid per Share | Approx. Dollar Value Remaining (in thousands) | | :--- | :--- | :--- | :--- | | May 2022 | 5,695,062 | $13.92 | $270,699 | | June 2022 | 1,374,201 | $15.06 | $250,000 | | **Total Q2** | **7,069,263** | **$14.15** | **$250,000** | [Item 6. Exhibits](index=147&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with the Form 10-Q, including CEO/CFO certifications and XBRL data

First BanCorp. (NYSE:FBP) Q2 2022 Earnings Conference Call July 22, 2022 10:00 AM ET Company Participants Ramon Rodriguez - Corporate Strategy and Investor Relations Officer Aurelio Aleman - President and Chief Executive Officer Orlando Berges - Executive Vice President and Chief Financial Officer Conference Call Participants Brett Rabatin - Hovde Group Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Hello, and welcome to today's First BanCorp 2Q 2022 Financial Results. ...

[PART I. FINANCIAL INFORMATION](index=2&type=section&id=PART%20I.%20FINANCIAL%20INFORMATION) [Item 1. Financial Statements](index=5&type=section&id=Item%201.%20Financial%20Statements) This section presents First Bancorp's unaudited consolidated financial statements for Q1 2022, including key financial statements and detailed notes, with comparative data [Consolidated Statements of Financial Condition](index=5&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets decreased to **$19.9 billion** from **$20.8 billion**, driven by lower cash and deposits, while stockholders' equity declined to **$1.8 billion** due to unrealized investment losses Consolidated Statements of Financial Condition (Unaudited) | (In thousands) | March 31, 2022 | December 31, 2021 | | :--- | :--- | :--- | | **Total assets** | **$19,929,037** | **$20,785,275** | | Cash and due from banks | $1,694,066 | $2,540,376 | | Total loans, net | $10,880,163 | $10,826,783 | | Investment securities available for sale, at fair value | $6,424,660 | $6,453,761 | | **Total liabilities** | **$18,147,935** | **$18,683,508** | | Total deposits | $17,335,403 | $17,784,894 | | **Total stockholders' equity** | **$1,781,102** | **$2,101,767** | | Accumulated other comprehensive loss, net of tax | ($415,833) | ($83,999) | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) Net income increased to **$82.6 million** from **$61.2 million** year-over-year, driven by higher net interest income, a credit loss benefit, and lower non-interest expenses, with diluted EPS rising to **$0.41** Consolidated Statements of Income (Unaudited) | (In thousands, except per share) | Quarter Ended March 31, 2022 | Quarter Ended March 31, 2021 | | :--- | :--- | :--- | | Net interest income | $185,624 | $176,265 | | Provision for credit losses - (benefit) | ($13,802) | ($15,252) | | Net interest income after provision | $199,426 | $191,517 | | Total non-interest income | $32,858 | $30,956 | | Total non-interest expenses | $106,659 | $133,301 | | **Net income** | **$82,600** | **$61,150** | | **Diluted EPS** | **$0.41** | **$0.28** | [Consolidated Statements of Comprehensive Loss](index=7&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Loss) Total comprehensive loss significantly increased to **$249.2 million** in Q1 2022, primarily due to **$331.8 million** in net unrealized holding losses on debt securities available-for-sale Consolidated Statements of Comprehensive Loss (Unaudited) | (In thousands) | Quarter Ended March 31, 2022 | Quarter Ended March 31, 2021 | | :--- | :--- | :--- | | Net income | $82,600 | $61,150 | | Net unrealized holding losses on debt securities | ($331,834) | ($98,929) | | **Total comprehensive loss** | **($249,234)** | **($37,779)** | [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents decreased by **$846.8 million** in Q1 2022, with **$114.8 million** from operations, **$333.0 million** used in investing, and **$628.7 million** used in financing activities Consolidated Statements of Cash Flows (Unaudited) | (In thousands) | Quarter Ended March 31, 2022 | Quarter Ended March 31, 2021 | | :--- | :--- | :--- | | Net cash provided by operating activities | $114,834 | $112,678 | | Net cash used in investing activities | ($332,992) | ($768,093) | | Net cash (used in) provided by financing activities | ($628,651) | $679,746 | | **Net (decrease) increase in cash and cash equivalents** | **($846,809)** | **$24,331** | [Consolidated Statements of Changes in Stockholders' Equity](index=9&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders'%20Equity) Stockholders' equity decreased from **$2.1 billion** to **$1.8 billion** in Q1 2022, primarily due to **$331.8 million** in other comprehensive loss and **$52.4 million** in stock repurchases, partially offset by net income Key Changes in Stockholders' Equity (Q1 2022) | (In thousands) | Amount | | :--- | :--- | | Balance at beginning of period | $2,101,767 | | Net income | $82,600 | | Common stock repurchases | ($52,351) | | Dividends on common stock | ($19,900) | | Other comprehensive loss, net of tax | ($331,834) | | **Balance at end of period** | **$1,781,102** | [Notes to Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) This section provides detailed disclosures for the financial statements, covering accounting policies, breakdowns of key assets and liabilities, equity, fair value measurements, and regulatory matters [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=94&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's Q1 2022 financial performance and condition, covering recent developments, net interest income, credit losses, non-interest items, portfolio analysis, and risk management practices - Net income for Q1 2022 was **$82.6 million** (**$0.41** per diluted share), up from **$61.2 million** (**$0.28** per diluted share) in Q1 2021[251](index=251&type=chunk) - On April 27, 2022, the Board approved a new stock repurchase program of up to **$350 million** and increased the quarterly common stock dividend by **20%** to **$0.12** per share[237](index=237&type=chunk)[238](index=238&type=chunk) - Total assets decreased by **$856.2 million** to **$19.9 billion** as of March 31, 2022, primarily due to a decrease in cash and cash equivalents[259](index=259&type=chunk) - Stockholders' equity decreased by **$320.7 million** to **$1.8 billion**, driven by a **$331.8 million** decrease in the fair value of available-for-sale securities and stock repurchases, partially offset by quarterly earnings[261](index=261&type=chunk) [Results of Operations](index=96&type=section&id=Results%20of%20Operations) Net income increased to **$82.6 million** in Q1 2022, driven by higher net interest income, a credit loss benefit, and lower non-interest expenses due to reduced merger costs Key Performance Indicators | (In percent) | March 31, 2022 | March 31, 2021 | | :--- | :--- | :--- | | Return on Average Assets | 1.65% | 1.30% | | Return on Average Total Equity | 16.64% | 10.82% | | Efficiency Ratio | 48.82% | 64.33% | [Financial Condition and Operating Data Analysis](index=108&type=section&id=Financial%20Condition%20and%20Operating%20Data%20Analysis) Total assets decreased to **$19.9 billion** due to lower cash, while the loan portfolio slightly grew to **$11.1 billion**, and the investment portfolio decreased to **$6.4 billion** due to unrealized losses Loan Portfolio Composition (In thousands) | Loan Type | March 31, 2022 | December 31, 2021 | | :--- | :--- | :--- | | Residential mortgage loans | $2,891,699 | $2,978,895 | | Total commercial loans | $5,229,866 | $5,193,719 | | Consumer loans and finance leases | $2,976,140 | $2,888,044 | | **Total loans held for investment** | **$11,097,705** | **$11,060,658** | - Total loan production in Q1 2022 was **$1.2 billion**, compared to **$1.3 billion** in Q1 2021, with an increase of **$57.8 million** year-over-year excluding SBA PPP loans[321](index=321&type=chunk)[322](index=322&type=chunk) [Risk Management](index=117&type=section&id=Risk%20Management) The company manages liquidity, interest rate, credit, and concentration risks, maintaining strong liquidity, an asset-sensitive balance sheet, improved credit quality, and **$356.8 million** exposure to the Puerto Rico government - As of March 31, 2022, the estimated core liquidity reserve was **$5.3 billion**, or **26.5%** of total assets, with available borrowing capacity from the FHLB of **$1.2 billion**[347](index=347&type=chunk) Net Interest Income Sensitivity (Next 12 Months) | Scenario | Change (in millions) | % Change | | :--- | :--- | :--- | | +200 bps ramp | $27.8 | 3.56% | | -200 bps ramp | ($18.6) | (2.38)% | Non-Performing Assets (In thousands) | Category | March 31, 2022 | December 31, 2021 | | :--- | :--- | :--- | | Total nonaccrual loans | $107,030 | $110,717 | | OREO | $42,894 | $40,848 | | **Total non-performing assets** | **$156,474** | **$158,102** | - Direct exposure to the Puerto Rico government, its municipalities, and public corporations was **$356.8 million** as of March 31, 2022[478](index=478&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=151&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section refers to the market risk disclosures detailed within the 'Risk Management' heading of Item 2, Management's Discussion and Analysis - The report directs readers to the 'Risk Management' section within Item 2 (MD&A) for information regarding the Corporation's exposure to market risk[501](index=501&type=chunk) [Item 4. Controls and Procedures](index=151&type=section&id=Item%204.%20Controls%20and%20Procedures) Management, including the CEO and CFO, concluded that disclosure controls and procedures were effective as of March 31, 2022, with no material changes to internal control over financial reporting during the quarter - The CEO and CFO concluded that the Corporation's disclosure controls and procedures were effective as of March 31, 2022[501](index=501&type=chunk) - No changes were made to the internal control over financial reporting during the quarter that have materially affected, or are reasonably likely to materially affect, these controls[502](index=502&type=chunk) [PART II. OTHER INFORMATION](index=152&type=section&id=PART%20II.%20OTHER%20INFORMATION) [Item 1. Legal Proceedings](index=152&type=section&id=Item%201.%20Legal%20Proceedings) This section refers to Note 23 of the financial statements for details on legal proceedings, which management believes will not materially affect the company's financial position - For details on legal proceedings, the report refers to Note 23, 'Regulatory Matters and Contingencies,' in the financial statements[503](index=503&type=chunk) [Item 1A. Risk Factors](index=152&type=section&id=Item%201A.%20Risk%20Factors) The company reports no material changes to risk factors from its 2021 Annual Report on Form 10-K, directing readers to that report for detailed discussion of potential risks - There have been no material changes from the risk factors disclosed in the 2021 Annual Report on Form 10-K[505](index=505&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=153&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company reports no unregistered equity sales and details common stock repurchases, having completed its **$300 million** program by purchasing **3,611,627** shares during the quarter Issuer Purchases of Equity Securities (Q1 2022) | Period | Total Shares Purchased | Average Price Paid | | :--- | :--- | :--- | | Jan 2022 | 2,712,584 | $14.60 | | Feb 2022 | 697,113 | $14.90 | | Mar 2022 | 201,930 | $13.44 | | **Total** | **3,611,627** | **N/A** | - During Q1 2022, the Corporation completed its **$300 million** stock repurchase program approved in April 2021[508](index=508&type=chunk) [Item 6. Exhibits](index=153&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with the Form 10-Q, including CEO and CFO certifications under Sarbanes-Oxley and XBRL data files - The exhibits include CEO/CFO certifications under Sections 302 and 906 of the Sarbanes-Oxley Act, as well as XBRL instance and taxonomy documents[510](index=510&type=chunk)[511](index=511&type=chunk)[512](index=512&type=chunk)[513](index=513&type=chunk)[514](index=514&type=chunk)

First BanCorp. (NYSE:FBP) Q1 2022 Earnings Conference Call April 28, 2022 10:00 AM ET Company Participants Ramon Rodriguez - Corporate Strategy and Investor Relations Officer Aurelio Aleman - President and Chief Executive Officer Orlando Berges - Executive Vice President and Chief Financial Officer Conference Call Participants Brett Rabatin - Hovde Group Ebrahim Poonawala - Bank of America Timur Braziler - Wells Fargo Alex Twerdahl - Piper Sandler Kelly Motta - KBW Operator Hello everybody, and welcome to t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________________ to ___________________ | --- | |-------| | | | | | | | | | | | | COMMISSION FILE NUMBER001-14793 FIRST BANCORP. (EXACT NAME OF REGISTRANT A ...

First BanCorp. (NYSE:FBP) Q4 2021 Earnings Conference Call January 26, 2022 10:00 AM ET Company Participants Ramon Rodriguez - Investor Relations Aurelio Alemán - President & Chief Executive Officer Orlando Berges - Executive Vice President & Chief Financial Officer Conference Call Participants Ebrahim Poonawala - Bank of America Alex Twerdahl - Piper Sandler Timur Braziler - Wells Fargo Operator Hello. My name is Bailey, and I will be your conference operator today. At this time, I would like to welcome ev ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________ FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________________ to ___________________ COMMISSION FILE NUMBER 001-14793 FIRST BANCORP. (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS ...

First BanCorp. (NYSE:FBP) Q3 2021 Earnings Conference Call October 25, 2021 10:00 AM ET Company Participants Ramon Rodriguez - Investor Relations Aurelio Alemán - President and Chief Executive Officer Orlando Berges - Executive Vice President and Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Operator Hello, everyone. Good morning, and welcome to the First BanCorp's 3Q 2021 Financial Results Call. My name is Emily, and I'll be coordinating the call today. All participants ...