First Ban(FBP) - 2025 Q3 - Earnings Call Presentation

Financial Performance - Net income reached $1005 million, a $203 million increase compared to 2Q 2025[5, 11] - Record net interest income of $2179 million, up 8% year-over-year[5] - Adjusted pre-tax, pre-provision income (non-GAAP) was $1215 million, a 9% increase year-over-year[5] Balance Sheet - Total loans increased by $1814 million to $131 billion, a 14% increase compared to the prior quarter, driven by commercial segments[5] - Core deposits, excluding brokered and fully collateralized government deposits, rose by $1387 million to $128 billion[5] - Fully collateralized government deposits increased by $665 million to $34 billion[5] Asset Quality & Capital - Non-performing assets (NPA) ratio decreased to 062%[5] - Allowance for credit losses (ACL) coverage ratio on loans and leases decreased by 4 bps to 189%[5] - Common Equity Tier 1 (CET1) ratio remained strong at 167%[5] - Tangible book value per share (non-GAAP) grew by 56% to $1179[5]