First Ban(FBP) - 2023 Q4 - Earnings Call Transcript

We said for some time that credit metrics will gradually move closer to historical levels as the positive impact of excess liquidity related to the pandemic stimulus on the consumer decreases. We saw earlier a little bit of that in the fourth quarter actually also in the third quarter with the charge-off rate and loans in early delinquency for the consumer book registering a slight increase when compared to previous quarters. That said, our NPA and classified asset levels remain at multiyear lows and our re ...