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LOANS HELD FOR INVESTMENT (Tables) | 9 Months Ended
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Sep. 30, 2021
Accounts Notes And Loans Receivable [Line Items] |
Loan Portfolio Held for Investment [Table Text Block] | The following provides information about the loan portfolio held for investment as of the indicated dates:
|  | As ofSeptember 30, |  | As of December 31,
|  | 2021 |  | 2020
(In thousands) |
Residential mortgage loans, mainly secured by first mortgages | $ | 3,095,015 |  | $ | 3,521,954
Construction loans |  | 170,208 |  |  | 212,500
Commercial mortgage loans |  | 2,136,502 |  |  | 2,230,602
C&I loans (1) (2) |  | 2,932,712 |  |  | 3,202,590
Consumer loans |  | 2,806,145 |  |  | 2,609,643
| Loans held for investment (3) |  | 11,140,582 |  |  | 11,777,289
ACL on loans and finance leases |  | (288,360) |  |  | (385,887)
Loans held for investment, net | $ | 10,852,222 |  | $ | 11,391,402
(1) | As of September 30, 2021 and December 31, 2020, includes $218.4 million and $406.0 million, respectively, of SBA PPP loans.
(2) | As of September 30, 2021 and December 31, 2020, includes $970.0 million and $1.0 billion, respectively, of commercial loans that were secured by real estate but are not dependent upon the real estate for repayment.
(3) | Includes accretable fair value net purchase discounts of $37.6 million and $48.0 million as of September 30, 2021 and December 31, 2020, respectively.
Corporation's Nonaccrual Status and Loans 90 Days or More Still Accruing [Table text Block] |
The following tables present by portfolio classes the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing as of September 30, 2021 and the interest income recognized on nonaccrual loans for the quarters and nine-month periods ended September 30, 2021 and 2020:
|  |  |  | As of September 30, 2021 |  | Quarter Ended September 30, 2021 |  | Quarter Ended September 30, 2020 |  | Nine-Month Period Ended September 30, 2021 |  | Nine-Month Period Ended September 30, 2020
Puerto Rico and Virgin Islands region | Nonaccrual Loans with No ACL |  | Nonaccrual Loans with ACL |  | Total Nonaccrual Loans (2) |  | Loans Past Due 90 days or more and Still Accruing (2)(3) |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans | ` | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | FHA\VA government-guaranteed | $ | - |  | $ | - |  | $ | - |  | $ | 76,376 |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Conventional residential mortgage loans |  | 4,284 |  |  | 47,516 |  |  | 51,800 |  |  | 31,368 |  |  | 197 |  |  | 269 |  |  | 1,032 |  |  | 835
Construction loans |  | 4,109 |  |  | 1,984 |  |  | 6,093 |  |  | 2 |  |  | 16 |  |  | 19 |  |  | 48 |  |  | 61
Commercial mortgage loans |  | 9,626 |  |  | 17,186 |  |  | 26,812 |  |  | 19,593 |  |  | 49 |  |  | 35 |  |  | 151 |  |  | 142
C&I loans |  | 11,820 |  |  | 6,394 |  |  | 18,214 |  |  | 17,785 |  |  | 36 |  |  | 24 |  |  | 83 |  |  | 67
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  | 3,137 |  |  | 2,971 |  |  | 6,108 |  |  | - |  |  | 26 |  |  | 17 |  |  | 79 |  |  | 138
|  | Finance leases |  | 251 |  |  | 447 |  |  | 698 |  |  | - |  |  | - |  |  | 2 |  |  | 1 |  |  | 23
|  | Personal loans |  | 1 |  |  | 991 |  |  | 992 |  |  | - |  |  | 17 |  |  | 8 |  |  | 71 |  |  | 36
|  | Credit cards |  | - |  |  | - |  |  | - |  |  | 2,708 |  |  | - |  |  | - |  |  | - |  |  | -
|  | Other consumer loans |  | 16 |  |  | 1,483 |  |  | 1,499 |  |  | - |  |  | 2 |  |  | - |  |  | 3 |  |  | 5
|  |  | Total loans held for investment (1) | $ | 33,244 |  | $ | 78,972 |  | $ | 112,216 |  | $ | 147,832 |  | $ | 343 |  | $ | 374 |  | $ | 1,468 |  | $ | 1,307
(1) | Nonaccrual loans exclude $369.9 million of troubled debt restructuring (“TDR”) loans that were in compliance with modified terms and in accrual status as of September 30, 2021.
(2) | Nonaccrual loans exclude PCD loans previously accounted for under ASC Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality” (“ASC Subtopic 310-30”) for which the Corporation made the accounting policy election for maintaining pools of loans accounted for under ASC Subtopic 310-30 as “units of account” both at the time of adoption of CECL on January 1, 2020 and on an ongoing basis for credit loss measurement. These loans accrete interest income based on the effective interest rate of the loan pools determined at the time of adoption of CECL and will continue to be excluded from nonaccrual loan statistics as long as the Corporation can reasonably estimate the timing and amount of cash flows expected to be collected on the loan pools. The amortized cost of such loans as of September 30, 2021 was $120.7 million. The portion of such loans contractually past due 90 days or more is presented in the loans past due 90 days or more and still accruing category in the table above.
(3) | These include rebooked loans, which were previously pooled into GNMA securities, amounting to $8.5 million as of September 30, 2021. Under the GNMA program, the Corporation has the option but not the obligation to repurchase loans that meet GNMA’s specified delinquency criteria. For accounting purposes, the loans subject to the repurchase option are required to be reflected on the financial statements with an offsetting liability. During the nine-month period ended September 30, 2021, the Corporation repurchased, pursuant to the aforementioned repurchase option, $0.4 million of loans previously sold to GNMA.
|  |  |  | As of September 30, 2021 |  | Quarter Ended September 30, 2021 |  | Quarter Ended September 30, 2020 |  | Nine-Month Period Ended September 30, 2021 |  | Nine-Month Period Ended September 30, 2020
Florida region | Nonaccrual Loans with No ACL |  | Nonaccrual Loans with ACL |  | Total Nonaccrual Loans |  | Loans Past Due 90 days or more and Still Accruing |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | FHA\VA government-guaranteed | $ | - |  | $ | - |  | $ | - |  | $ | 250 |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Conventional residential mortgage loans |  | - |  |  | 8,789 |  |  | 8,789 |  |  | - |  |  | 47 |  |  | 19 |  |  | 171 |  |  | 134
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
C&I loans |  | 491 |  |  | 285 |  |  | 776 |  |  | - |  |  | 15 |  |  | 19 |  |  | 53 |  |  | 52
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  | - |  |  | 49 |  |  | 49 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Other consumer loans |  | - |  |  | 311 |  |  | 311 |  |  | - |  |  | 1 |  |  | - |  |  | 8 |  |  | 4
|  |  | Total loans held for investment (1) | $ | 491 |  | $ | 9,434 |  | $ | 9,925 |  | $ | 250 |  | $ | 63 |  | $ | 38 |  | $ | 232 |  | $ | 190
(1) | Nonaccrual loans exclude $5.8 million of TDR loans that were in compliance with modified terms and in accrual status as of September 30, 2021.
| As of September 30, 2021 |  | Quarter Ended September 30, 2021 |  | Quarter Ended September 30, 2020 |  | Nine-Month Period Ended September 30, 2021 |  | Nine-Month Period Ended September 30, 2020
Total | Nonaccrual Loans with No ACL |  | Nonaccrual Loans with ACL |  | Total Nonaccrual Loans (2) |  | Loans Past Due 90 days or more and Still Accruing (2)(3) |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans |  | Interest Income Recognized on Nonaccrual Loans
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | FHA\VA government-guaranteed | $ | - |  | $ | - |  | $ | - |  | $ | 76,626 |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Conventional residential mortgage loans |  | 4,284 |  |  | 56,305 |  |  | 60,589 |  |  | 31,368 |  |  | 244 |  |  | 288 |  |  | 1,203 |  |  | 969
Construction loans |  | 4,109 |  |  | 1,984 |  |  | 6,093 |  |  | 2 |  |  | 16 |  |  | 19 |  |  | 48 |  |  | 61
Commercial mortgage loans |  | 9,626 |  |  | 17,186 |  |  | 26,812 |  |  | 19,593 |  |  | 49 |  |  | 35 |  |  | 151 |  |  | 142
C&I loans |  | 12,311 |  |  | 6,679 |  |  | 18,990 |  |  | 17,785 |  |  | 51 |  |  | 43 |  |  | 136 |  |  | 119
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  | 3,137 |  |  | 3,020 |  |  | 6,157 |  |  | - |  |  | 26 |  |  | 17 |  |  | 79 |  |  | 138
|  | Finance leases |  | 251 |  |  | 447 |  |  | 698 |  |  | - |  |  | - |  |  | 2 |  |  | 1 |  |  | 23
|  | Personal loans |  | 1 |  |  | 991 |  |  | 992 |  |  | - |  |  | 17 |  |  | 8 |  |  | 71 |  |  | 36
|  | Credit cards |  | - |  |  | - |  |  | - |  |  | 2,708 |  |  | - |  |  | - |  |  | - |  |  | -
|  | Other consumer loans |  | 16 |  |  | 1,794 |  |  | 1,810 |  |  | - |  |  | 3 |  |  | - |  |  | 11 |  |  | 9
|  |  | Total loans held for investment (1) | $ | 33,735 |  | $ | 88,406 |  | $ | 122,141 |  | $ | 148,082 |  | $ | 406 |  | $ | 412 |  | $ | 1,700 |  | $ | 1,497
(1) | Nonaccrual loans exclude $375.7 million of TDR loans that were in compliance with modified terms and in accrual status as of September 30, 2021.
(2) | Nonaccrual loans exclude PCD loans previously accounted for under ASC Subtopic 310-30 for which the Corporation made the accounting policy election for maintaining pools of loans accounted for under ASC Subtopic 310-30 as “units of account” both at the time of adoption of CECL on January 1, 2020 and on an ongoing basis for credit loss measurement. These loans accrete interest income based on the effective interest rate of the loan pools determined at the time of adoption of CECL and will continue to be excluded from nonaccrual loan statistics as long as the Corporation can reasonably estimate the timing and amount of cash flows expected to be collected on the loan pools. The amortized cost of such loans as of September 30, 2021 was $120.7 million. The portion of such loans contractually past due 90 days or more is presented in the loans past due 90 days or more and still accruing category in the table above.
(3) | These include rebooked loans, which were previously pooled into GNMA securities, amounting to $8.5 million as of September 30, 2021. Under the GNMA program, the Corporation has the option but not the obligation to repurchase loans that meet GNMA’s specified delinquency criteria. For accounting purposes, the loans subject to the repurchase option are required to be reflected on the financial statements with an offsetting liability. During the nine-month period ended September 30, 2021, the Corporation repurchased, pursuant to the aforementioned repurchase option, $0.4 million of loans previously sold to GNMA.
The following tables present by portfolio classes the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing as of December 31, 2020:
|  |  |  | As of December 31, 2020
Puerto Rico and Virgin Islands region | Nonaccrual Loans with No ACL |  | Nonaccrual Loans with ACL |  | Total Nonaccrual Loans (2) |  | Loans Past Due 90 days or more and Still Accruing (3)
(In thousands) |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured |  |  |  |  |  |  |  |  |  |  |
| by first mortgages: |  |  |  |  |  |  |  |  |  |  |
|  | FHA\VA government-guaranteed | $ | - |  | $ | - |  | $ | - |  | $ | 98,993
|  | Conventional residential mortgage loans |  | 12,418 |  |  | 98,527 |  |  | 110,945 |  |  | 38,834
Construction loans |  | 4,546 |  |  | 8,425 |  |  | 12,971 |  |  | -
Commercial mortgage loans |  | 11,777 |  |  | 17,834 |  |  | 29,611 |  |  | 3,252
C&I loans |  | 14,824 |  |  | 5,496 |  |  | 20,320 |  |  | 2,246
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  | 26 |  |  | 8,638 |  |  | 8,664 |  |  | -
|  | Finance leases |  | - |  |  | 1,466 |  |  | 1,466 |  |  | -
|  | Personal loans |  | - |  |  | 1,623 |  |  | 1,623 |  |  | -
|  | Credit cards |  | - |  |  | - |  |  | - |  |  | 1,520
|  | Other consumer loans |  | - |  |  | 3,682 |  |  | 3,682 |  |  | -
|  |  | Total loans held for investment (1) | $ | 43,591 |  | $ | 145,691 |  | $ | 189,282 |  | $ | 144,845
(1) | Nonaccrual loans exclude $386.7 million of TDR loans that were in compliance with modified terms and in accrual status as of December 31, 2020.
(2) | Excludes PCD loans previously accounted for under ASC Subtopic 310-30 for which the Corporation made the accounting policy election for maintaining pools of loans accounted for under ASC Subtopic 310-30 as “units of account” both at the time of adoption of CECL on January 1, 2020 and on an ongoing basis for credit loss measurement. These loans accrete interest income based on the effective interest rate of the loan pools determined at the time of adoption of CECL and will continue to be excluded from nonaccrual loan statistics as long as the Corporation can reasonably estimate the timing and amount of cash flows expected to be collected on the loan pools. The amortized cost of such loans as of December 31, 2020 was $130.9 million.
(3) | These include rebooked loans, which were previously pooled into GNMA securities, amounting to $10.7 million as of December 31, 2020. Under the GNMA program, the Corporation has the option but not the obligation to repurchase loans that meet GNMA’s specified delinquency criteria. For accounting purposes, the loans subject to the repurchase option are required to be reflected on the financial statements with an offsetting liability.
|  |  |  | As of December 31, 2020
Florida region | Nonaccrual Loans with No ACL |  | Nonaccrual Loans with ACL |  | Total Nonaccrual Loans |  | Loans Past Due 90 days or more and Still Accruing
(In thousands) |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured |  |  |  |  |  |  |  |  |  |  |
| by first mortgages: |  |  |  |  |  |  |  |  |  |  |
|  | FHA\VA government-guaranteed | $ | - |  | $ | - |  | $ | - |  | $ | 250
|  | Conventional residential mortgage loans |  | 2,584 |  |  | 11,838 |  |  | 14,422 |  |  | -
Construction loans |  | - |  |  | - |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | - |  |  | - |  |  | -
C&I loans |  | 561 |  |  | - |  |  | 561 |  |  | -
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  | - |  |  | 223 |  |  | 223 |  |  | -
|  | Finance leases |  | - |  |  | - |  |  | - |  |  | -
|  | Personal loans |  | - |  |  | - |  |  | - |  |  | -
|  | Credit cards |  | - |  |  | - |  |  | - |  |  | -
|  | Other consumer loans |  | - |  |  | 601 |  |  | 601 |  |  | -
|  |  | Total loans held for investment (1) | $ | 3,145 |  | $ | 12,662 |  | $ | 15,807 |  | $ | 250
(1) | Nonaccrual loans exclude $6.6 million of TDR loans that were in compliance with modified terms and in accrual status as of December 31, 2020.
|  |  |  | As of December 31, 2020
Total | Nonaccrual Loans with No ACL |  | Nonaccrual Loans with ACL |  | Total Nonaccrual Loans (2) |  | Loans Past Due 90 days or more and Still Accruing (3)
(In thousands) |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured |  |  |  |  |  |  |  |  |  |  |
| by first mortgages: |  |  |  |  |  |  |  |  |  |  |
|  | FHA\VA government-guaranteed | $ | - |  | $ | - |  | $ | - |  | $ | 99,243
|  | Conventional residential mortgage loans |  | 15,002 |  |  | 110,365 |  |  | 125,367 |  |  | 38,834
Construction loans |  | 4,546 |  |  | 8,425 |  |  | 12,971 |  |  | -
Commercial mortgage loans |  | 11,777 |  |  | 17,834 |  |  | 29,611 |  |  | 3,252
C&I loans |  | 15,385 |  |  | 5,496 |  |  | 20,881 |  |  | 2,246
Consumer Loans: |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  | 26 |  |  | 8,861 |  |  | 8,887 |  |  | -
|  | Finance leases |  | - |  |  | 1,466 |  |  | 1,466 |  |  | -
|  | Personal loans |  | - |  |  | 1,623 |  |  | 1,623 |  |  | -
|  | Credit cards |  | - |  |  | - |  |  | - |  |  | 1,520
|  | Other consumer loans |  | - |  |  | 4,283 |  |  | 4,283 |  |  | -
|  |  | Total loans held for investment (1) | $ | 46,736 |  | $ | 158,353 |  | $ | 205,089 |  | $ | 145,095
(1) | Nonaccrual loans exclude $393.3 million of TDR loans that were in compliance with modified terms and in accrual status as of December 31, 2020.
(2) | Excludes PCD loans previously accounted for under ASC Subtopic 310-30 for which the Corporation made the accounting policy election for maintaining pools of loans accounted for under ASC Subtopic 310-30 as “units of account” both at the time of adoption of CECL on January 1, 2020 and on an ongoing basis for credit loss measurement. These loans accrete interest income based on the effective interest rate of the loan pools determined at the time of adoption of CECL and will continue to be excluded from nonaccrual loan statistics as long as the Corporation can reasonably estimate the timing and amount of cash flows expected to be collected on the loan pools. The amortized cost of such loans as of December 31, 2020 was $130.9 million.
(3) | These include rebooked loans, which were previously pooled into GNMA securities, amounting to $10.7 million as of December 31, 2020. Under the GNMA program, the Corporation has the option but not the obligation to repurchase loans that meet GNMA’s specified delinquency criteria. For accounting purposes, the loans subject to the repurchase option are required to be reflected on the financial statements with an offsetting liability.
Corporation's Aging of the Loans Held for Investment by Portfolio Classes [Table text Block] |
The Corporation’s aging of the loan portfolio held for investment by portfolio classes as of September 30, 2021 is as follows:
As of September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Puerto Rico and Virgin Islands region | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 days or more Past Due (1) (2) (3) |  | Total Past Due |  | Current |  | Total loans held for investment
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (2) (3) (4) | $ | - |  | $ | 2,803 |  | $ | 76,376 |  | $ | 79,179 |  | $ | 54,233 |  | $ | 133,412
| Conventional residential mortgage loans (4) |  | - |  |  | 32,352 |  |  | 83,168 |  |  | 115,520 |  |  | 2,392,231 |  |  | 2,507,751
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans (4) |  | - |  |  | 108 |  |  | 6,095 |  |  | 6,203 |  |  | 43,934 |  |  | 50,137
| Commercial mortgage loans (4) |  | 6,314 |  |  | 2,800 |  |  | 46,405 |  |  | 55,519 |  |  | 1,653,779 |  |  | 1,709,298
| C&I loans |  | 7,888 |  |  | 7,791 |  |  | 35,999 |  |  | 51,678 |  |  | 1,909,873 |  |  | 1,961,551
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 22,090 |  |  | 3,608 |  |  | 6,108 |  |  | 31,806 |  |  | 1,463,867 |  |  | 1,495,673
| Finance leases |  | 5,344 |  |  | 738 |  |  | 698 |  |  | 6,780 |  |  | 542,057 |  |  | 548,837
| Personal loans |  | 2,674 |  |  | 1,241 |  |  | 992 |  |  | 4,907 |  |  | 322,443 |  |  | 327,350
| Credit cards |  | 2,993 |  |  | 1,577 |  |  | 2,708 |  |  | 7,278 |  |  | 280,740 |  |  | 288,018
| Other consumer loans |  | 1,066 |  |  | 756 |  |  | 1,499 |  |  | 3,321 |  |  | 125,135 |  |  | 128,456
|  | Total loans held for investment | $ | 48,369 |  | $ | 53,774 |  | $ | 260,048 |  | $ | 362,191 |  | $ | 8,788,292 |  | $ | 9,150,483
(1) | Includes nonaccrual loans and accruing loans that were contractually delinquent 90 days or more (i.e., FHA/VA guaranteed loans and credit cards). Credit card loans continue to accrue finance charges and fees until charged-off at 180 days.
(2) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. These balances include $52.5 million of residential mortgage loans insured by the FHA that were over 15 months delinquent.
(3) | As of September 30, 2021, includes $8.5 million of defaulted loans collateralizing GNMA securities for which the Corporation has an unconditional option (but not an obligation) to repurchase the defaulted loans.
(4) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans, conventional residential mortgage loans, commercial mortgage loans, and construction loans past due 30-59 days, but less than two payments in arrears, as of September 30, 2021 amounted to $5.0 million, $64.7 million, $8.3 million, and $1.4 million, respectively.
As of September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Florida region | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 days or more Past Due (1) (2) |  | Total Past Due |  | Current |  | Total loans held for investment
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (2) | $ | - |  | $ | - |  | $ | 250 |  | $ | 250 |  | $ | 623 |  | $ | 873
| Conventional residential mortgage loans (3) |  | - |  |  | 1,122 |  |  | 8,789 |  |  | 9,911 |  |  | 443,068 |  |  | 452,979
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | 120,071 |  |  | 120,071
| Commercial mortgage loans (3) |  | - |  |  | - |  |  | - |  |  | - |  |  | 427,204 |  |  | 427,204
| C&I loans |  | 3,460 |  |  | 195 |  |  | 776 |  |  | 4,431 |  |  | 966,730 |  |  | 971,161
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 341 |  |  | 63 |  |  | 49 |  |  | 453 |  |  | 10,213 |  |  | 10,666
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | 125 |  |  | 125
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 6 |  |  | - |  |  | 311 |  |  | 317 |  |  | 6,703 |  |  | 7,020
|  | Total loans held for investment | $ | 3,807 |  | $ | 1,380 |  | $ | 10,175 |  | $ | 15,362 |  | $ | 1,974,737 |  | $ | 1,990,099
(1) | Includes nonaccrual loans and accruing loans that were contractually delinquent 90 days or more (i.e., FHA/VA guaranteed loans).
(2) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. No residential mortgage loans insured by the FHA in the Florida region were over 15 months delinquent as of September 30, 2021.
(3) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. Conventional residential mortgage loans past due 30-59 days, but less than two payments in arrears, as of September 30, 2021 amounted to $4.9 million.
As of September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 days or more Past Due (1) (2) (3) |  | Total Past Due |  | Current |  | Total loans held for investment
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (2) (3) (4) | $ | - |  | $ | 2,803 |  | $ | 76,626 |  | $ | 79,429 |  | $ | 54,856 |  | $ | 134,285
| Conventional residential mortgage loans (4) |  | - |  |  | 33,474 |  |  | 91,957 |  |  | 125,431 |  |  | 2,835,299 |  |  | 2,960,730
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans (4) |  | - |  |  | 108 |  |  | 6,095 |  |  | 6,203 |  |  | 164,005 |  |  | 170,208
| Commercial mortgage loans (4) |  | 6,314 |  |  | 2,800 |  |  | 46,405 |  |  | 55,519 |  |  | 2,080,983 |  |  | 2,136,502
C&I loans |  | 11,348 |  |  | 7,986 |  |  | 36,775 |  |  | 56,109 |  |  | 2,876,603 |  |  | 2,932,712
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 22,431 |  |  | 3,671 |  |  | 6,157 |  |  | 32,259 |  |  | 1,474,080 |  |  | 1,506,339
| Finance leases |  | 5,344 |  |  | 738 |  |  | 698 |  |  | 6,780 |  |  | 542,057 |  |  | 548,837
| Personal loans |  | 2,674 |  |  | 1,241 |  |  | 992 |  |  | 4,907 |  |  | 322,568 |  |  | 327,475
| Credit cards |  | 2,993 |  |  | 1,577 |  |  | 2,708 |  |  | 7,278 |  |  | 280,740 |  |  | 288,018
| Other consumer loans |  | 1,072 |  |  | 756 |  |  | 1,810 |  |  | 3,638 |  |  | 131,838 |  |  | 135,476
|  | Total loans held for investment | $ | 52,176 |  | $ | 55,154 |  | $ | 270,223 |  | $ | 377,553 |  | $ | 10,763,029 |  | $ | 11,140,582
(1) | Includes nonaccrual loans and accruing loans that were contractually delinquent 90 days or more (i.e., FHA/VA guaranteed loans and credit cards). Credit card loans continue to accrue finance charges and fees until charged-off at 180 days.
(2) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. These balances include $52.5 million of residential mortgage loans insured by the FHA that were over 15 months delinquent.
(3) | As of September 30, 2021, includes $8.5 million of defaulted loans collateralizing GNMA securities for which the Corporation has an unconditional option (but not an obligation) to repurchase the defaulted loans.
(4) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans, conventional residential mortgage loans, commercial mortgage loans, and construction loans past due 30-59 days, but less than two payments in arrears, as of September 30, 2021 amounted to $5.0 million, $69.6 million, $8.3 million, and $1.4 million, respectively.
The Corporation’s aging of the loan portfolio held for investment by portfolio classes as of December 31, 2020 is as follows:
As of December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Puerto Rico and Virgin Islands region | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 days or more Past Due (1) (2) (3) |  | Total Past Due |  | Current |  | Total loans held for investment
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (2) (3) (4) | $ | - |  | $ | 2,223 |  | $ | 98,993 |  | $ | 101,216 |  | $ | 48,348 |  | $ | 149,564
| Conventional residential mortgage loans (4) |  | - |  |  | 61,040 |  |  | 149,779 |  |  | 210,819 |  |  | 2,641,820 |  |  | 2,852,639
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans (4) |  | - |  |  | 19 |  |  | 12,971 |  |  | 12,990 |  |  | 72,026 |  |  | 85,016
| Commercial mortgage loans (4) |  | 5,071 |  |  | 6,588 |  |  | 32,863 |  |  | 44,522 |  |  | 1,808,702 |  |  | 1,853,224
| C&I loans |  | 3,283 |  |  | 10,692 |  |  | 22,566 |  |  | 36,541 |  |  | 2,228,190 |  |  | 2,264,731
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 24,025 |  |  | 5,992 |  |  | 8,664 |  |  | 38,681 |  |  | 1,239,445 |  |  | 1,278,126
| Finance leases |  | 5,059 |  |  | 1,086 |  |  | 1,466 |  |  | 7,611 |  |  | 465,378 |  |  | 472,989
| Personal loans |  | 4,034 |  |  | 1,981 |  |  | 1,623 |  |  | 7,638 |  |  | 364,373 |  |  | 372,011
| Credit cards |  | 3,528 |  |  | 5,842 |  |  | 1,518 |  |  | 10,888 |  |  | 308,936 |  |  | 319,824
| Other consumer loans |  | 2,143 |  |  | 993 |  |  | 3,684 |  |  | 6,820 |  |  | 133,162 |  |  | 139,982
|  | Total loans held for investment | $ | 47,143 |  | $ | 96,456 |  | $ | 334,127 |  | $ | 477,726 |  | $ | 9,310,380 |  | $ | 9,788,106
(1) | Includes nonaccrual loans and accruing loans that were contractually delinquent 90 days or more (i.e., FHA/VA guaranteed loans and credit cards). Credit card loans continue to accrue finance charges and fees until charged-off at 180 days.
(2) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. These balances include $57.9 million of residential mortgage loans insured by the FHA that were over 15 months delinquent.
(3) | As of December 31, 2020, includes $10.7 million of defaulted loans collateralizing GNMA securities for which the Corporation has an unconditional option (but not an obligation) to repurchase the defaulted loans.
(4) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans, conventional residential mortgage loans, commercial mortgage loans, and construction loans past due 30-59 days, but less than two payments in arrears, as of December 31, 2020 amounted to $5.9 million, $105.2 million, $5.0 million, and $0.1 million, respectively.
As of December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Florida region | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 days or more Past Due (1) (2) |  | Total Past Due |  | Current |  | Total loans held for investment
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (2) (3) | $ | - |  | $ | - |  | $ | 250 |  | $ | 250 |  | $ | 920 |  | $ | 1,170
| Conventional residential mortgage loans (2) (3) |  | - |  |  | 3,237 |  |  | 14,422 |  |  | 17,659 |  |  | 500,922 |  |  | 518,581
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | 127,484 |  |  | 127,484
| Commercial mortgage loans (3) |  | - |  |  | - |  |  | - |  |  | - |  |  | 377,378 |  |  | 377,378
| C&I loans |  | 218 |  |  | - |  |  | 561 |  |  | 779 |  |  | 937,080 |  |  | 937,859
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 710 |  |  | 297 |  |  | 223 |  |  | 1,230 |  |  | 17,068 |  |  | 18,298
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | 157 |  |  | 157
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 58 |  |  | - |  |  | 601 |  |  | 659 |  |  | 7,597 |  |  | 8,256
|  | Total loans held for investment | $ | 986 |  | $ | 3,534 |  | $ | 16,057 |  | $ | 20,577 |  | $ | 1,968,606 |  | $ | 1,989,183
(1) | Includes nonaccrual loans and accruing loans that were contractually delinquent 90 days or more (i.e., FHA/VA guaranteed loans).
(2) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. No residential mortgage loans insured by the FHA in the Florida region were over 15 months delinquent as of December 31, 2020.
(3) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans and conventional residential mortgage loans past due 30-59 days, but less than two payments in arrears, as of December 31, 2020 amounted to $0.2 million and $6.6 million, respectively.
As of December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 days or more Past Due (1) (2) (3) |  | Total Past Due |  | Current |  | Total loans held for investment
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans, mainly secured by first mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans (2) (3) (4) | $ | - |  | $ | 2,223 |  | $ | 99,243 |  | $ | 101,466 |  | $ | 49,268 |  | $ | 150,734
| Conventional residential mortgage loans (4) |  | - |  |  | 64,277 |  |  | 164,201 |  |  | 228,478 |  |  | 3,142,742 |  |  | 3,371,220
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans (4) |  | - |  |  | 19 |  |  | 12,971 |  |  | 12,990 |  |  | 199,510 |  |  | 212,500
| Commercial mortgage loans (4) |  | 5,071 |  |  | 6,588 |  |  | 32,863 |  |  | 44,522 |  |  | 2,186,080 |  |  | 2,230,602
| C&I loans |  | 3,501 |  |  | 10,692 |  |  | 23,127 |  |  | 37,320 |  |  | 3,165,270 |  |  | 3,202,590
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 24,735 |  |  | 6,289 |  |  | 8,887 |  |  | 39,911 |  |  | 1,256,513 |  |  | 1,296,424
| Finance leases |  | 5,059 |  |  | 1,086 |  |  | 1,466 |  |  | 7,611 |  |  | 465,378 |  |  | 472,989
| Personal loans |  | 4,034 |  |  | 1,981 |  |  | 1,623 |  |  | 7,638 |  |  | 364,530 |  |  | 372,168
| Credit cards |  | 3,528 |  |  | 5,842 |  |  | 1,518 |  |  | 10,888 |  |  | 308,936 |  |  | 319,824
| Other consumer loans |  | 2,201 |  |  | 993 |  |  | 4,285 |  |  | 7,479 |  |  | 140,759 |  |  | 148,238
|  | Total loans held for investment | $ | 48,129 |  | $ | 99,990 |  | $ | 350,184 |  | $ | 498,303 |  | $ | 11,278,986 |  | $ | 11,777,289
(1) | Includes nonaccrual loans and accruing loans that were contractually delinquent 90 days or more (i.e., FHA/VA guaranteed loans and credit cards). Credit card loans continue to accrue finance charges and fees until charged-off at 180 days.
(2) | It is the Corporation's policy to report delinquent residential mortgage loans insured by the FHA, guaranteed by the VA, and other government-insured loans as past-due loans 90 days and still accruing as opposed to nonaccrual loans since the principal repayment is insured. The Corporation continues accruing interest on these loans until they have passed the 15 months delinquency mark, taking into consideration the FHA interest curtailment process. These balances include $57.9 million of residential mortgage loans insured by the FHA that were over 15 months delinquent.
(3) | As of December 31, 2020, includes $10.7 million of defaulted loans collateralizing GNMA securities for which the Corporation has an unconditional option (but not an obligation) to repurchase the defaulted loans.
(4) | According to the Corporation's delinquency policy and consistent with the instructions for the preparation of the Consolidated Financial Statements for Bank Holding Companies (FR Y-9C) required by the Federal Reserve Board, residential mortgage, commercial mortgage, and construction loans are considered past due when the borrower is in arrears on two or more monthly payments. FHA/VA government-guaranteed loans, conventional residential mortgage loans, commercial mortgage loans, and construction loans past due 30-59 days, but less than two payments in arrears, as of December 31, 2020 amounted to $6.1 million, $111.8 million, $5.0 million, and $0.1 million, respectively.
Corporation's Credit Quality Indicators [Table text Block] | Based on the most recent analysis performed, the amortized cost of commercial and construction loans by portfolio classes and by origination year based on the internal credit-risk category as of September 30, 2021 and the amortized cost of commercial and construction loans by portfolio classes based on the internal credit-risk category as of December 31, 2020 was as follows:
|  |  |  |  |  | As of September 30, 2021 |  |  |  |  |  |  |  |
Puerto Rico and Virgin Islands region |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2020
| Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSTRUCTION |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 1,656 |  | $ | 17,334 |  | $ | 15,318 |  | $ | 1,627 |  | $ | 197 |  | $ | 4,906 |  | $ | - |  | $ | 41,038 |  | $ | 68,836
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | 768 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 768 |  |  | 776
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | 4,533 |  |  | - |  |  | 3,798 |  |  | - |  |  | 8,331 |  |  | 15,404
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total construction loans |  | $ | 1,656 |  | $ | 17,334 |  | $ | 16,086 |  | $ | 6,160 |  | $ | 197 |  | $ | 8,704 |  | $ | - |  | $ | 50,137 |  | $ | 85,016
COMMERCIAL MORTGAGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 128,617 |  | $ | 368,540 |  | $ | 217,763 |  | $ | 225,524 |  | $ | 75,701 |  | $ | 380,192 |  | $ | 42 |  | $ | 1,396,379 |  | $ | 1,511,827
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | 10,671 |  |  | 90,723 |  |  | - |  |  | 119,255 |  |  | 21,467 |  |  | - |  |  | 242,116 |  |  | 292,736
|  |  | Substandard |  |  | 1,851 |  |  | - |  |  | - |  |  | 20,867 |  |  | 2,213 |  |  | 45,872 |  |  | - |  |  | 70,803 |  |  | 48,661
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial mortgage loans |  | $ | 130,468 |  | $ | 379,211 |  | $ | 308,486 |  | $ | 246,391 |  | $ | 197,169 |  | $ | 447,531 |  | $ | 42 |  | $ | 1,709,298 |  | $ | 1,853,224
COMMERCIAL AND INDUSTRIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 239,801 |  | $ | 225,254 |  | $ | 356,671 |  | $ | 207,988 |  | $ | 164,783 |  | $ | 223,753 |  | $ | 430,148 |  | $ | 1,848,398 |  | $ | 2,155,226
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | 924 |  |  | - |  |  | - |  |  | 20,423 |  |  | 8,018 |  |  | 29,365 |  |  | 59,421
|  |  | Substandard |  |  | 1,296 |  |  | 1,507 |  |  | 14,684 |  |  | 2,372 |  |  | 17,847 |  |  | 28,162 |  |  | 17,920 |  |  | 83,788 |  |  | 50,084
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial and industrial loans |  | $ | 241,097 |  | $ | 226,761 |  | $ | 372,279 |  | $ | 210,360 |  | $ | 182,630 |  | $ | 272,338 |  | $ | 456,086 |  | $ | 1,961,551 |  | $ | 2,264,731
(1) Excludes accrued interest receivable.
|  |  |  |  |  |  |  |  |  |  |  | As of September 30, 2021 |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2020
Florida region |  |  |  |  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSTRUCTION |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 11,940 |  | $ | 69,278 |  | $ | 3,620 |  | $ | 35,233 |  | $ | - |  | $ | - |  | $ | - |  | $ | 120,071 |  | $ | 127,484
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total construction loans |  | $ | 11,940 |  | $ | 69,278 |  | $ | 3,620 |  | $ | 35,233 |  | $ | - |  | $ | - |  | $ | - |  | $ | 120,071 |  | $ | 127,484
COMMERCIAL MORTGAGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 73,510 |  | $ | 40,048 |  | $ | 73,180 |  | $ | 62,117 |  | $ | 38,221 |  | $ | 36,696 |  | $ | 21,644 |  | $ | 345,416 |  | $ | 291,627
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | 16,812 |  |  | 22,359 |  |  | 6,782 |  |  | 5,352 |  |  | 27,898 |  |  | 2,267 |  |  | 81,470 |  |  | 85,427
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 318 |  |  | - |  |  | 318 |  |  | 324
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial mortgage loans |  | $ | 73,510 |  | $ | 56,860 |  | $ | 95,539 |  | $ | 68,899 |  | $ | 43,573 |  | $ | 64,912 |  | $ | 23,911 |  | $ | 427,204 |  | $ | 377,378
COMMERCIAL AND INDUSTRIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 200,314 |  | $ | 125,320 |  | $ | 240,500 |  | $ | 83,335 |  | $ | 64,992 |  | $ | 32,258 |  | $ | 95,463 |  | $ | 842,182 |  | $ | 823,124
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | 27,206 |  |  | - |  |  | - |  |  | 4,770 |  |  | 17,965 |  |  | 49,941 |  |  | 73,974
|  |  | Substandard |  |  | - |  |  | 27,429 |  |  | 34,494 |  |  | 12,073 |  |  | - |  |  | 4,707 |  |  | 335 |  |  | 79,038 |  |  | 40,761
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial and industrial loans |  | $ | 200,314 |  | $ | 152,749 |  | $ | 302,200 |  | $ | 95,408 |  | $ | 64,992 |  | $ | 41,735 |  | $ | 113,763 |  | $ | 971,161 |  | $ | 937,859
(1) Excludes accrued interest receivable.
|  |  |  |  |  | As of September 30, 2021 |  |  |  |  |  |  |  |
Total |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2020
|  |  |  |  |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSTRUCTION |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 13,596 |  | $ | 86,612 |  | $ | 18,938 |  | $ | 36,860 |  | $ | 197 |  | $ | 4,906 |  | $ | - |  | $ | 161,109 |  | $ | 196,320
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | 768 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 768 |  |  | 776
|  |  | Substandard |  |  | - |  |  | - |  |  | - |  |  | 4,533 |  |  | - |  |  | 3,798 |  |  | - |  |  | 8,331 |  |  | 15,404
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total construction loans |  | $ | 13,596 |  | $ | 86,612 |  | $ | 19,706 |  | $ | 41,393 |  | $ | 197 |  | $ | 8,704 |  | $ | - |  | $ | 170,208 |  | $ | 212,500
COMMERCIAL MORTGAGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 202,127 |  | $ | 408,588 |  | $ | 290,943 |  | $ | 287,641 |  | $ | 113,922 |  | $ | 416,888 |  | $ | 21,686 |  | $ | 1,741,795 |  | $ | 1,803,454
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | 27,483 |  |  | 113,082 |  |  | 6,782 |  |  | 124,607 |  |  | 49,365 |  |  | 2,267 |  |  | 323,586 |  |  | 378,163
|  |  | Substandard |  |  | 1,851 |  |  | - |  |  | - |  |  | 20,867 |  |  | 2,213 |  |  | 46,190 |  |  | - |  |  | 71,121 |  |  | 48,985
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial mortgage loans |  | $ | 203,978 |  | $ | 436,071 |  | $ | 404,025 |  | $ | 315,290 |  | $ | 240,742 |  | $ | 512,443 |  | $ | 23,953 |  | $ | 2,136,502 |  | $ | 2,230,602
COMMERCIAL AND INDUSTRIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Risk Ratings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  | $ | 440,115 |  | $ | 350,574 |  | $ | 597,171 |  | $ | 291,323 |  | $ | 229,775 |  | $ | 256,011 |  | $ | 525,611 |  | $ | 2,690,580 |  | $ | 2,978,350
|  | Criticized: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Special Mention |  |  | - |  |  | - |  |  | 28,130 |  |  | - |  |  | - |  |  | 25,193 |  |  | 25,983 |  |  | 79,306 |  |  | 133,395
|  |  | Substandard |  |  | 1,296 |  |  | 28,936 |  |  | 49,178 |  |  | 14,445 |  |  | 17,847 |  |  | 32,869 |  |  | 18,255 |  |  | 162,826 |  |  | 90,845
|  |  | Doubtful |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Loss |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  | Total commercial and industrial loans |  | $ | 441,411 |  | $ | 379,510 |  | $ | 674,479 |  | $ | 305,768 |  | $ | 247,622 |  | $ | 314,073 |  | $ | 569,849 |  | $ | 2,932,712 |  | $ | 3,202,590
(1) Excludes accrued interest receivable.
The following table presents the amortized cost of residential mortgage loans by origination year based on the original loan-to-value-ratio (LTV) and original credit scores as of September 30, 2021 and the amortized cost of residential mortgage loans by original LTV and original credit scores as of December 31, 2020:
|  |  |  |  |  |  |  | As of September 30, 2021 |  |  |  |  |  |  |  | As of December 31, 2020
|  |  |  |  |  |  |  | Term Loans |  |  |  |  |  |  |
RESIDENTIAL MORTGAGES |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Puerto Rico and Virgin Islands region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  | $ | - |  | $ | 359 |  | $ | 1,090 |  | $ | 2,168 |  | $ | 4,134 |  | $ | 125,661 |  | $ | - |  | $ | 133,412 |  | $ | 149,564
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Original LTV: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Less than or equal to 90 percent |  |  | 48,455 |  |  | 33,546 |  |  | 53,445 |  |  | 79,273 |  |  | 58,300 |  |  | 1,518,623 |  |  | - |  |  | 1,791,642 |  |  | 2,029,177
|  |  | Greater than 90 percent but less than |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  | or equal to 100 percent |  |  | 641 |  |  | 1,644 |  |  | 6,945 |  |  | 7,385 |  |  | 4,739 |  |  | 604,488 |  |  | - |  |  | 625,842 |  |  | 725,049
|  |  | Greater than 100 percent |  |  | 2,115 |  |  | - |  |  | 929 |  |  | 3,375 |  |  | 2,540 |  |  | 81,308 |  |  | - |  |  | 90,267 |  |  | 98,413
|  |  |  |  | Total residential mortgages in |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | Puerto Rico and Virgin Islands region |  | $ | 51,211 |  | $ | 35,549 |  | $ | 62,409 |  | $ | 92,201 |  | $ | 69,713 |  | $ | 2,330,080 |  | $ | - |  | $ | 2,641,163 |  | $ | 3,002,203
Florida region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 873 |  | $ | - |  | $ | 873 |  | $ | 1,170
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Original LTV: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Less than or equal to 90 percent |  |  | 37,508 |  |  | 34,510 |  |  | 45,207 |  |  | 52,252 |  |  | 62,149 |  |  | 205,854 |  |  | - |  |  | 437,480 |  |  | 497,410
|  |  | Greater than 90 percent but less than |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  | or equal to 100 percent |  |  | 2,413 |  |  | 3,851 |  |  | 1,194 |  |  | 1,491 |  |  | 3,624 |  |  | 2,926 |  |  | - |  |  | 15,499 |  |  | 21,171
|  |  | Greater than 100 percent |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  |  |  |  | Total residential mortgages in Florida region |  | $ | 39,921 |  | $ | 38,361 |  | $ | 46,401 |  | $ | 53,743 |  | $ | 65,773 |  | $ | 209,653 |  | $ | - |  | $ | 453,852 |  | $ | 519,751
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  | $ | - |  | $ | 359 |  | $ | 1,090 |  | $ | 2,168 |  | $ | 4,134 |  | $ | 126,534 |  | $ | - |  | $ | 134,285 |  | $ | 150,734
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Original LTV: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Less than or equal to 90 percent |  |  | 85,963 |  |  | 68,056 |  |  | 98,652 |  |  | 131,525 |  |  | 120,449 |  |  | 1,724,477 |  |  | - |  |  | 2,229,122 |  |  | 2,526,587
|  |  | Greater than 90 percent but less than |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  | or equal to 100 percent |  |  | 3,054 |  |  | 5,495 |  |  | 8,139 |  |  | 8,876 |  |  | 8,363 |  |  | 607,414 |  |  | - |  |  | 641,341 |  |  | 746,220
|  |  | Greater than 100 percent |  |  | 2,115 |  |  | - |  |  | 929 |  |  | 3,375 |  |  | 2,540 |  |  | 81,308 |  |  | - |  |  | 90,267 |  |  | 98,413
|  |  |  |  |  | Total residential mortgages |  | $ | 91,132 |  | $ | 73,910 |  | $ | 108,810 |  | $ | 145,944 |  | $ | 135,486 |  | $ | 2,539,733 |  | $ | - |  | $ | 3,095,015 |  | $ | 3,521,954
(1) Excludes accrued interest receivable.
|  |  |  |  |  |  |  | As of September 30, 2021 |  |  |  |  |  |  |  | As of December 31, 2020
|  |  |  |  |  |  |  | Term Loans |  |  |  |  |  |  |
RESIDENTIAL MORTGAGES |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Puerto Rico and Virgin Islands region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  | $ | - |  | $ | 359 |  | $ | 1,090 |  | $ | 2,168 |  | $ | 4,134 |  | $ | 125,661 |  | $ | - |  | $ | 133,412 |  | $ | 149,564
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Original FICO Score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Less than 620 |  |  | - |  |  | 42 |  |  | 76 |  |  | 459 |  |  | 52 |  |  | 284,532 |  |  | - |  |  | 285,161 |  |  | 326,190
|  |  | Greater than or equal to 620 and less than 680 |  |  | 2,232 |  |  | 1,374 |  |  | 2,529 |  |  | 5,537 |  |  | 6,312 |  |  | 453,544 |  |  | - |  |  | 471,528 |  |  | 541,309
|  |  | Greater than or equal to 680 and less than 740 |  |  | 13,493 |  |  | 13,862 |  |  | 23,139 |  |  | 33,794 |  |  | 22,308 |  |  | 636,765 |  |  | - |  |  | 743,361 |  |  | 841,797
|  |  | Greater than or equal to 740 |  |  | 35,486 |  |  | 19,912 |  |  | 35,575 |  |  | 50,243 |  |  | 36,907 |  |  | 829,578 |  |  | - |  |  | 1,007,701 |  |  | 1,143,343
|  |  |  |  | Total residential mortgages in |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | Puerto Rico and Virgin Islands region |  | $ | 51,211 |  | $ | 35,549 |  | $ | 62,409 |  | $ | 92,201 |  | $ | 69,713 |  | $ | 2,330,080 |  | $ | - |  | $ | 2,641,163 |  | $ | 3,002,203
Florida region: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 873 |  | $ | - |  | $ | 873 |  | $ | 1,170
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Original FICO Score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Less than 620 |  |  | - |  |  | - |  |  | - |  |  | 2,054 |  |  | - |  |  | 512 |  |  | - |  |  | 2,566 |  |  | 3,330
|  |  | Greater than or equal to 620 and less than 680 |  |  | 3,810 |  |  | 3,549 |  |  | 4,224 |  |  | 2,625 |  |  | 7,091 |  |  | 23,054 |  |  | - |  |  | 44,353 |  |  | 48,420
|  |  | Greater than or equal to 680 and less than 740 |  |  | 13,104 |  |  | 10,716 |  |  | 13,119 |  |  | 11,892 |  |  | 18,866 |  |  | 49,899 |  |  | - |  |  | 117,596 |  |  | 139,197
|  |  | Greater than or equal to 740 |  |  | 23,007 |  |  | 24,096 |  |  | 29,058 |  |  | 37,172 |  |  | 39,816 |  |  | 135,315 |  |  | - |  |  | 288,464 |  |  | 327,634
|  |  |  |  | Total residential mortgages in Florida region |  | $ | 39,921 |  | $ | 38,361 |  | $ | 46,401 |  | $ | 53,743 |  | $ | 65,773 |  | $ | 209,653 |  | $ | - |  | $ | 453,852 |  | $ | 519,751
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans |  | $ | - |  | $ | 359 |  | $ | 1,090 |  | $ | 2,168 |  | $ | 4,134 |  | $ | 126,534 |  | $ | - |  | $ | 134,285 |  | $ | 150,734
| Conventional residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Original FICO Score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Less than 620 |  |  | - |  |  | 42 |  |  | 76 |  |  | 2,513 |  |  | 52 |  |  | 285,044 |  |  | - |  |  | 287,727 |  |  | 329,520
|  |  | Greater than or equal to 620 and less than 680 |  |  | 6,042 |  |  | 4,923 |  |  | 6,753 |  |  | 8,162 |  |  | 13,403 |  |  | 476,598 |  |  | - |  |  | 515,881 |  |  | 589,729
|  |  | Greater than or equal to 680 and less than 740 |  |  | 26,597 |  |  | 24,578 |  |  | 36,258 |  |  | 45,686 |  |  | 41,174 |  |  | 686,664 |  |  | - |  |  | 860,957 |  |  | 980,994
|  |  | Greater than or equal to 740 |  |  | 58,493 |  |  | 44,008 |  |  | 64,633 |  |  | 87,415 |  |  | 76,723 |  |  | 964,893 |  |  | - |  |  | 1,296,165 |  |  | 1,470,977
|  |  |  |  |  | Total residential mortgages |  | $ | 91,132 |  | $ | 73,910 |  | $ | 108,810 |  | $ | 145,944 |  | $ | 135,486 |  | $ | 2,539,733 |  | $ | - |  | $ | 3,095,015 |  | $ | 3,521,954
(1) Excludes accrued interest receivable.
The following tables present the amortized cost of consumer loans by origination year based on original credit scores as of September 30, 2021 and the amortized cost of consumer loans based on original credit scores as of December 31, 2020:
CONSUMER |  | As of September 30, 2021 |  |  |  |  |  |  |  |
|  |  |  |  |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2020
Puerto Rico and Virgin Islands region |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 39,276 |  | $ | 33,827 |  | $ | 35,917 |  | $ | 17,541 |  | $ | 7,442 |  | $ | 5,952 |  | $ | - |  | $ | 139,955 |  | $ | 135,006
|  | Greater than or equal to 620 and less than 680 |  |  | 135,752 |  |  | 113,664 |  |  | 114,259 |  |  | 66,959 |  |  | 26,579 |  |  | 13,907 |  |  | - |  |  | 471,120 |  |  | 430,434
|  | Greater than or equal to 680 and less than 740 |  |  | 160,067 |  |  | 116,867 |  |  | 101,389 |  |  | 55,879 |  |  | 23,465 |  |  | 11,958 |  |  | - |  |  | 469,625 |  |  | 392,871
|  | Greater than or equal to 740 |  |  | 159,991 |  |  | 111,023 |  |  | 78,437 |  |  | 37,252 |  |  | 18,496 |  |  | 9,774 |  |  | - |  |  | 414,973 |  |  | 319,815
|  |  | Total auto loans |  | $ | 495,086 |  | $ | 375,381 |  | $ | 330,002 |  | $ | 177,631 |  | $ | 75,982 |  | $ | 41,591 |  | $ | - |  | $ | 1,495,673 |  | $ | 1,278,126
Finance leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 3,725 |  | $ | 2,623 |  | $ | 4,093 |  | $ | 2,920 |  | $ | 1,261 |  | $ | 381 |  | $ | - |  | $ | 15,003 |  | $ | 15,182
|  | Greater than or equal to 620 and less than 680 |  |  | 30,976 |  |  | 25,603 |  |  | 30,101 |  |  | 20,717 |  |  | 8,289 |  |  | 3,374 |  |  | - |  |  | 119,060 |  |  | 111,180
|  | Greater than or equal to 680 and less than 740 |  |  | 67,172 |  |  | 47,971 |  |  | 49,158 |  |  | 35,427 |  |  | 12,851 |  |  | 7,300 |  |  | - |  |  | 219,879 |  |  | 191,846
|  | Greater than or equal to 740 |  |  | 70,173 |  |  | 44,977 |  |  | 41,534 |  |  | 25,656 |  |  | 6,632 |  |  | 5,923 |  |  | - |  |  | 194,895 |  |  | 154,781
|  |  | Total finance leases |  | $ | 172,046 |  | $ | 121,174 |  | $ | 124,886 |  | $ | 84,720 |  | $ | 29,033 |  | $ | 16,978 |  | $ | - |  | $ | 548,837 |  | $ | 472,989
Personal loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 1,625 |  | $ | 1,263 |  | $ | 1,811 |  | $ | 1,473 |  | $ | 896 |  | $ | 2,357 |  | $ | - |  | $ | 9,425 |  | $ | 10,950
|  | Greater than or equal to 620 and less than 680 |  |  | 8,052 |  |  | 7,209 |  |  | 17,379 |  |  | 6,675 |  |  | 2,447 |  |  | 1,277 |  |  | - |  |  | 43,039 |  |  | 49,665
|  | Greater than or equal to 680 and less than 740 |  |  | 29,594 |  |  | 26,907 |  |  | 47,361 |  |  | 21,324 |  |  | 10,680 |  |  | 7,180 |  |  | - |  |  | 143,046 |  |  | 160,480
|  | Greater than or equal to 740 |  |  | 25,259 |  |  | 23,695 |  |  | 41,176 |  |  | 21,949 |  |  | 10,331 |  |  | 6,450 |  |  | - |  |  | 128,860 |  |  | 146,622
|  | Unscorable |  |  | - |  |  | 562 |  |  | 1,417 |  |  | 417 |  |  | 232 |  |  | 352 |  |  | - |  |  | 2,980 |  |  | 4,294
|  |  | Total personal loans |  | $ | 64,530 |  | $ | 59,636 |  | $ | 109,144 |  | $ | 51,838 |  | $ | 24,586 |  | $ | 17,616 |  | $ | - |  | $ | 327,350 |  | $ | 372,011
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 11,840 |  | $ | 11,840 |  | $ | 12,978
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 55,848 |  |  | 55,848 |  |  | 60,961
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 126,225 |  |  | 126,225 |  |  | 137,563
|  | Greater than or equal to 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 94,105 |  |  | 94,105 |  |  | 103,938
|  | Unscorable |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,384
|  |  | Total credit cards |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 288,018 |  | $ | 288,018 |  | $ | 319,824
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 4,534 |  | $ | 2,687 |  | $ | 6,430 |  | $ | 1,746 |  | $ | 896 |  | $ | 1,704 |  | $ | 3,502 |  | $ | 21,499 |  | $ | 23,740
|  | Greater than or equal to 620 and less than 680 |  |  | 20,492 |  |  | 9,045 |  |  | 14,043 |  |  | 4,279 |  |  | 2,012 |  |  | 4,983 |  |  | 1,660 |  |  | 56,514 |  |  | 61,667
|  | Greater than or equal to 680 and less than 740 |  |  | 14,441 |  |  | 8,190 |  |  | 8,030 |  |  | 3,483 |  |  | 1,182 |  |  | 882 |  |  | 2,774 |  |  | 38,982 |  |  | 38,602
|  | Greater than or equal to 740 |  |  | 3,638 |  |  | 2,766 |  |  | 2,420 |  |  | 711 |  |  | 291 |  |  | 81 |  |  | 1,381 |  |  | 11,288 |  |  | 11,535
|  | Unscorable |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 173 |  |  | 173 |  |  | 4,438
|  |  | Total other consumer loans |  | $ | 43,105 |  | $ | 22,688 |  | $ | 30,923 |  | $ | 10,219 |  | $ | 4,381 |  | $ | 7,650 |  | $ | 9,490 |  | $ | 128,456 |  | $ | 139,982
|  |  |  | Total consumer loans in Puerto Rico and Virgin Islands region |  | $ | 774,767 |  | $ | 578,879 |  | $ | 594,955 |  | $ | 324,408 |  | $ | 133,982 |  | $ | 83,835 |  | $ | 297,508 |  | $ | 2,788,334 |  | $ | 2,582,932
(1) Excludes accrued interest receivable.
CONSUMER |  | As of September 30, 2021 |  |  |  |  |  |  |  |
|  |  |  |  |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2020
Florida region |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | - |  | $ | - |  | $ | 7 |  | $ | 510 |  | $ | 368 |  | $ | 309 |  | $ | - |  | $ | 1,194 |  | $ | 2,269
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | - |  |  | 339 |  |  | 2,414 |  |  | 1,726 |  |  | 742 |  |  | - |  |  | 5,221 |  |  | 9,042
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | - |  |  | 224 |  |  | 1,832 |  |  | 757 |  |  | 229 |  |  | - |  |  | 3,042 |  |  | 5,094
|  | Greater than or equal to 740 |  |  | - |  |  | - |  |  | 178 |  |  | 831 |  |  | 164 |  |  | 36 |  |  | - |  |  | 1,209 |  |  | 1,893
|  |  | Total auto loans |  | $ | - |  | $ | - |  | $ | 748 |  | $ | 5,587 |  | $ | 3,015 |  | $ | 1,316 |  | $ | - |  | $ | 10,666 |  | $ | 18,298
Finance leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Greater than or equal to 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total finance leases |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Personal loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 9 |  | $ | 20 |  | $ | 1 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 30 |  | $ | 107
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 5 |  |  | 8
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | - |  |  | 17 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 17 |  |  | 38
|  | Greater than or equal to 740 |  |  | - |  |  | 73 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 73 |  |  | 4
|  |  | Total personal loans |  | $ | 9 |  | $ | 98 |  | $ | 18 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 125 |  | $ | 157
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | Greater than or equal to 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  |  | Total credit cards |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 30 |  | $ | 30 |  | $ | 164
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | 184 |  |  | - |  |  | - |  |  | - |  |  | 375 |  |  | 69 |  |  | 628 |  |  | 1,023
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | 174 |  |  | - |  |  | 41 |  |  | 48 |  |  | 1,224 |  |  | 198 |  |  | 1,685 |  |  | 2,180
|  | Greater than or equal to 740 |  |  | 240 |  |  | 128 |  |  | - |  |  | - |  |  | 24 |  |  | 2,196 |  |  | 2,089 |  |  | 4,677 |  |  | 4,889
|  |  | Total other consumer loans |  | $ | 240 |  | $ | 486 |  | $ | - |  | $ | 41 |  | $ | 72 |  | $ | 3,795 |  | $ | 2,386 |  | $ | 7,020 |  | $ | 8,256
|  |  |  | Total consumer loans in Florida region |  | $ | 249 |  | $ | 584 |  | $ | 766 |  | $ | 5,628 |  | $ | 3,087 |  | $ | 5,111 |  | $ | 2,386 |  | $ | 17,811 |  | $ | 26,711
(1) Excludes accrued interest receivable.
CONSUMER |  | As of September 30, 2021 |  |  |  |  |  |  |  |
|  |  |  |  |  | Term Loans |  |  |  |  |  |  |  | As of December 31, 2020
| Total |  | Amortized Cost Basis by Origination Year (1) |  |  |  |  |  |  |
|  |  |  |  |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 39,276 |  | $ | 33,827 |  | $ | 35,924 |  | $ | 18,051 |  | $ | 7,810 |  | $ | 6,261 |  | $ | - |  | $ | 141,149 |  | $ | 137,275
|  | Greater than or equal to 620 and less than 680 |  |  | 135,752 |  |  | 113,664 |  |  | 114,598 |  |  | 69,373 |  |  | 28,305 |  |  | 14,649 |  |  | - |  |  | 476,341 |  |  | 439,476
|  | Greater than or equal to 680 and less than 740 |  |  | 160,067 |  |  | 116,867 |  |  | 101,613 |  |  | 57,711 |  |  | 24,222 |  |  | 12,187 |  |  | - |  |  | 472,667 |  |  | 397,965
|  | Greater than or equal to 740 |  |  | 159,991 |  |  | 111,023 |  |  | 78,615 |  |  | 38,083 |  |  | 18,660 |  |  | 9,810 |  |  | - |  |  | 416,182 |  |  | 321,708
|  |  | Total auto loans |  | $ | 495,086 |  | $ | 375,381 |  | $ | 330,750 |  | $ | 183,218 |  | $ | 78,997 |  | $ | 42,907 |  | $ | - |  | $ | 1,506,339 |  | $ | 1,296,424
Finance leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 3,725 |  | $ | 2,623 |  | $ | 4,093 |  | $ | 2,920 |  | $ | 1,261 |  | $ | 381 |  | $ | - |  | $ | 15,003 |  | $ | 15,182
|  | Greater than or equal to 620 and less than 680 |  |  | 30,976 |  |  | 25,603 |  |  | 30,101 |  |  | 20,717 |  |  | 8,289 |  |  | 3,374 |  |  | - |  |  | 119,060 |  |  | 111,180
|  | Greater than or equal to 680 and less than 740 |  |  | 67,172 |  |  | 47,971 |  |  | 49,158 |  |  | 35,427 |  |  | 12,851 |  |  | 7,300 |  |  | - |  |  | 219,879 |  |  | 191,846
|  | Greater than or equal to 740 |  |  | 70,173 |  |  | 44,977 |  |  | 41,534 |  |  | 25,656 |  |  | 6,632 |  |  | 5,923 |  |  | - |  |  | 194,895 |  |  | 154,781
|  |  | Total finance leases |  | $ | 172,046 |  | $ | 121,174 |  | $ | 124,886 |  | $ | 84,720 |  | $ | 29,033 |  | $ | 16,978 |  | $ | - |  | $ | 548,837 |  | $ | 472,989
Personal loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 1,634 |  | $ | 1,283 |  | $ | 1,812 |  | $ | 1,473 |  | $ | 896 |  | $ | 2,357 |  | $ | - |  | $ | 9,455 |  | $ | 11,057
|  | Greater than or equal to 620 and less than 680 |  |  | 8,052 |  |  | 7,214 |  |  | 17,379 |  |  | 6,675 |  |  | 2,447 |  |  | 1,277 |  |  | - |  |  | 43,044 |  |  | 49,673
|  | Greater than or equal to 680 and less than 740 |  |  | 29,594 |  |  | 26,907 |  |  | 47,378 |  |  | 21,324 |  |  | 10,680 |  |  | 7,180 |  |  | - |  |  | 143,063 |  |  | 160,518
|  | Greater than or equal to 740 |  |  | 25,259 |  |  | 23,768 |  |  | 41,176 |  |  | 21,949 |  |  | 10,331 |  |  | 6,450 |  |  | - |  |  | 128,933 |  |  | 146,626
|  | Unscorable |  |  | - |  |  | 562 |  |  | 1,417 |  |  | 417 |  |  | 232 |  |  | 352 |  |  | - |  |  | 2,980 |  |  | 4,294
|  |  | Total personal loans |  | $ | 64,539 |  | $ | 59,734 |  | $ | 109,162 |  | $ | 51,838 |  | $ | 24,586 |  | $ | 17,616 |  | $ | - |  | $ | 327,475 |  | $ | 372,168
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 11,840 |  | $ | 11,840 |  | $ | 12,978
|  | Greater than or equal to 620 and less than 680 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 55,848 |  |  | 55,848 |  |  | 60,961
|  | Greater than or equal to 680 and less than 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 126,225 |  |  | 126,225 |  |  | 137,563
|  | Greater than or equal to 740 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 94,105 |  |  | 94,105 |  |  | 103,938
|  | Unscorable |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,384
|  |  | Total credit cards |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 288,018 |  | $ | 288,018 |  | $ | 319,824
Other consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Original FICO score: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Less than 620 |  | $ | 4,534 |  | $ | 2,687 |  | $ | 6,430 |  | $ | 1,746 |  | $ | 896 |  | $ | 1,704 |  | $ | 3,532 |  | $ | 21,529 |  | $ | 23,904
|  | Greater than or equal to 620 and less than 680 |  |  | 20,492 |  |  | 9,229 |  |  | 14,043 |  |  | 4,279 |  |  | 2,012 |  |  | 5,358 |  |  | 1,729 |  |  | 57,142 |  |  | 62,690
|  | Greater than or equal to 680 and less than 740 |  |  | 14,441 |  |  | 8,364 |  |  | 8,030 |  |  | 3,524 |  |  | 1,230 |  |  | 2,106 |  |  | 2,972 |  |  | 40,667 |  |  | 40,782
|  | Greater than or equal to 740 |  |  | 3,878 |  |  | 2,894 |  |  | 2,420 |  |  | 711 |  |  | 315 |  |  | 2,277 |  |  | 3,470 |  |  | 15,965 |  |  | 16,424
|  | Unscorable |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 173 |  |  | 173 |  |  | 4,438
|  |  | Total other consumer loans |  | $ | 43,345 |  | $ | 23,174 |  | $ | 30,923 |  | $ | 10,260 |  | $ | 4,453 |  | $ | 11,445 |  | $ | 11,876 |  | $ | 135,476 |  | $ | 148,238
|  |  |  | Total consumer loans |  | $ | 775,016 |  | $ | 579,463 |  | $ | 595,721 |  | $ | 330,036 |  | $ | 137,069 |  | $ | 88,946 |  | $ | 299,894 |  | $ | 2,806,145 |  | $ | 2,609,643
(1) Excludes accrued interest receivable.
Collateral Pledged [Member] |
Accounts Notes And Loans Receivable [Line Items] |
Loan Portfolio Held for Investment [Table Text Block] |
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
Puerto Rico and Virgin Islands region | Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 51,489 |  |  | 3,889 |  |  | 431 |  |  | 51,920 |  |  | 3,889
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | 5,490 |  |  | 5,490 |  |  | -
| Commercial mortgage loans |  | 15,309 |  |  | 1,552 |  |  | 50,611 |  |  | 65,920 |  |  | 1,552
| C&I loans |  | 5,810 |  |  | 1,016 |  |  | 38,608 |  |  | 44,418 |  |  | 1,016
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | 145 |  |  | 2 |  |  | - |  |  | 145 |  |  | 2
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 907 |  |  | 125 |  |  | - |  |  | 907 |  |  | 125
|  | $ | 73,660 |  | $ | 6,584 |  | $ | 95,140 |  | $ | 168,800 |  | $ | 6,584
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
Florida region | Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 5,112 |  |  | 564 |  |  | - |  |  | 5,112 |  |  | 564
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Commercial mortgage loans |  | - |  |  | - |  |  | 2,280 |  |  | 2,280 |  |  | -
| C&I loans |  | - |  |  | - |  |  | 491 |  |  | 491 |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | $ | 5,112 |  | $ | 564 |  | $ | 2,771 |  | $ | 7,883 |  | $ | 564
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
Total | Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 56,601 |  |  | 4,453 |  |  | 431 |  |  | 57,032 |  |  | 4,453
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | 5,490 |  |  | 5,490 |  |  | -
| Commercial mortgage loans |  | 15,309 |  |  | 1,552 |  |  | 52,891 |  |  | 68,200 |  |  | 1,552
| C&I loans |  | 5,810 |  |  | 1,016 |  |  | 39,099 |  |  | 44,909 |  |  | 1,016
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | 145 |  |  | 2 |  |  | - |  |  | 145 |  |  | 2
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 907 |  |  | 125 |  |  | - |  |  | 907 |  |  | 125
|  | $ | 78,772 |  | $ | 7,148 |  | $ | 97,911 |  | $ | 176,683 |  | $ | 7,148
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
Puerto Rico and Virgin Islands region | Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 100,950 |  |  | 9,582 |  |  | 7,145 |  |  | 108,095 |  |  | 9,582
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | 6,036 |  |  | 500 |  |  | 6,125 |  |  | 12,161 |  |  | 500
| Commercial mortgage loans |  | 17,882 |  |  | 1,923 |  |  | 49,241 |  |  | 67,123 |  |  | 1,923
| C&I loans |  | 21,933 |  |  | 880 |  |  | 24,728 |  |  | 46,661 |  |  | 880
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | 146 |  |  | 2 |  |  | - |  |  | 146 |  |  | 2
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 857 |  |  | 113 |  |  | - |  |  | 857 |  |  | 113
|  | $ | 147,804 |  | $ | 13,000 |  | $ | 87,239 |  | $ | 235,043 |  | $ | 13,000
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
Florida region | Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 6,224 |  |  | 988 |  |  | 2,400 |  |  | 8,624 |  |  | 988
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Commercial mortgage loans |  | - |  |  | - |  |  | 2,327 |  |  | 2,327 |  |  | -
| C&I loans |  | - |  |  | - |  |  | 561 |  |  | 561 |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 248 |  |  | 83 |  |  | - |  |  | 248 |  |  | 83
|  | $ | 6,472 |  | $ | 1,071 |  | $ | 5,288 |  | $ | 11,760 |  | $ | 1,071
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Collateral Dependent Loans - With Allowance |  | Collateral Dependent Loans - With No Related Allowance |  | Collateral Dependent Loans - Total
Total | Amortized Cost |  | Related Allowance |  | Amortized Cost |  | Amortized Cost |  | Related Allowance
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FHA/VA government-guaranteed loans | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
| Conventional residential mortgage loans |  | 107,174 |  |  | 10,570 |  |  | 9,545 |  |  | 116,719 |  |  | 10,570
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Construction loans |  | 6,036 |  |  | 500 |  |  | 6,125 |  |  | 12,161 |  |  | 500
| Commercial mortgage loans |  | 17,882 |  |  | 1,923 |  |  | 51,568 |  |  | 69,450 |  |  | 1,923
| C&I loans |  | 21,933 |  |  | 880 |  |  | 25,289 |  |  | 47,222 |  |  | 880
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Personal loans |  | 146 |  |  | 2 |  |  | - |  |  | 146 |  |  | 2
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | -
| Other consumer loans |  | 1,105 |  |  | 196 |  |  | - |  |  | 1,105 |  |  | 196
|  | $ | 154,276 |  | $ | 14,071 |  | $ | 92,527 |  | $ | 246,803 |  | $ | 14,071
Entity Loan Modification Program [Member] |
Accounts Notes And Loans Receivable [Line Items] |
Troubled Debt Restructurings On Financing Receivables Table [Text Block] |
|  |  | As of September 30, 2021
Puerto Rico and Virgin Islands region | Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 15,892 |  | $ | 10,224 |  | $ | 181,728 |  | $ | - |  | $ | 221 |  | $ | 51,859 |  | $ | 259,924
Construction loans |  | 18 |  |  | 1,432 |  |  | 1,433 |  |  | - |  |  | - |  |  | 161 |  |  | 3,044
Commercial mortgage loans |  | 1,437 |  |  | 722 |  |  | 42,061 |  |  | - |  |  | 16,118 |  |  | 6,945 |  |  | 67,283
C&I loans |  | 224 |  |  | 2,443 |  |  | 19,523 |  |  | - |  |  | 17,159 |  |  | 36,496 |  |  | 75,845
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | 252 |  |  | 3,029 |  |  | - |  |  | - |  |  | 4,414 |  |  | 7,695
| Finance leases |  | - |  |  | 3 |  |  | 315 |  |  | - |  |  | - |  |  | 706 |  |  | 1,024
| Personal loans |  | 44 |  |  | 7 |  |  | 381 |  |  | - |  |  | - |  |  | 484 |  |  | 916
| Credit cards |  | - |  |  | - |  |  | 2,626 |  |  | 9 |  |  | - |  |  | - |  |  | 2,635
| Other consumer loans |  | 979 |  |  | 882 |  |  | 290 |  |  | 142 |  |  | - |  |  | 313 |  |  | 2,606
|  | Total TDRs in Puerto Rico and Virgin Islands region | $ | 18,594 |  | $ | 15,965 |  | $ | 251,386 |  | $ | 151 |  | $ | 33,498 |  | $ | 101,378 |  | $ | 420,972
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | As of September 30, 2021
Florida region | Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 609 |  | $ | 908 |  | $ | 2,892 |  | $ | - |  | $ | - |  |  | $ | - |  | $ | 4,409
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | 817 |  |  | 1,463 |  |  | - |  |  | - |  |  |  | - |  |  | 2,280
C&I loans |  | - |  |  | 286 |  |  | - |  |  | - |  |  | - |  |  |  | 156 |  |  | 442
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | 37 |  |  | 3 |  |  | - |  |  | - |  |  |  | - |  |  | 40
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
| Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
| Other consumer loans |  | - |  |  | - |  |  | 108 |  |  | - |  |  | - |  |  |  | 349 |  |  | 457
|  | Total TDRs in Florida region | $ | 609 |  | $ | 2,048 |  | $ | 4,466 |  | $ | - |  | $ | - |  |  | $ | 505 |  | $ | 7,628
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | As of September 30, 2021
Total | Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 16,501 |  | $ | 11,132 |  | $ | 184,620 |  | $ | - |  | $ | 221 |  |  | $ | 51,859 |  | $ | 264,333
Construction loans |  | 18 |  |  | 1,432 |  |  | 1,433 |  |  | - |  |  | - |  |  |  | 161 |  |  | 3,044
Commercial mortgage loans |  | 1,437 |  |  | 1,539 |  |  | 43,524 |  |  | - |  |  | 16,118 |  |  |  | 6,945 |  |  | 69,563
C&I loans |  | 224 |  |  | 2,729 |  |  | 19,523 |  |  | - |  |  | 17,159 |  |  |  | 36,652 |  |  | 76,287
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | 289 |  |  | 3,032 |  |  | - |  |  | - |  |  |  | 4,414 |  |  | 7,735
| Finance leases |  | - |  |  | 3 |  |  | 315 |  |  | - |  |  | - |  |  |  | 706 |  |  | 1,024
| Personal loans |  | 44 |  |  | 7 |  |  | 381 |  |  | - |  |  | - |  |  |  | 484 |  |  | 916
| Credit cards |  | - |  |  | - |  |  | 2,626 |  |  | 9 |  |  | - |  |  |  | - |  |  | 2,635
| Other consumer loans |  | 979 |  |  | 882 |  |  | 398 |  |  | 142 |  |  | - |  |  |  | 662 |  |  | 3,063
|  | Total TDRs | $ | 19,203 |  | $ | 18,013 |  | $ | 255,852 |  | $ | 151 |  | $ | 33,498 |  |  | $ | 101,883 |  | $ | 428,600
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | As of December 31, 2020
Puerto Rico and Virgin Islands region | Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 17,740 |  | $ | 11,125 |  | $ | 211,155 |  | $ | - |  | $ | 223 |  |  | $ | 66,694 |  | $ | 306,937
Construction loans |  | 21 |  |  | 1,700 |  |  | 1,516 |  |  | - |  |  | - |  |  |  | 186 |  |  | 3,423
Commercial mortgage loans |  | 1,491 |  |  | 1,380 |  |  | 35,714 |  |  | - |  |  | 16,473 |  |  |  | 6,765 |  |  | 61,823
C&I loans |  | 238 |  |  | 12,267 |  |  | 14,119 |  |  | - |  |  | 17,890 |  |  |  | 35,744 |  |  | 80,258
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | 474 |  |  | 4,863 |  |  | - |  |  | - |  |  |  | 6,112 |  |  | 11,449
| Finance leases |  | - |  |  | 15 |  |  | 588 |  |  | - |  |  | - |  |  |  | 541 |  |  | 1,144
| Personal loans |  | 58 |  |  | 9 |  |  | 571 |  |  | - |  |  | - |  |  |  | 286 |  |  | 924
| Credit cards |  | - |  |  | - |  |  | 2,342 |  |  | 16 |  |  | - |  |  |  | - |  |  | 2,358
| Other consumer loans |  | 1,602 |  |  | 991 |  |  | 572 |  |  | 193 |  |  | - |  |  |  | 343 |  |  | 3,701
|  | Total TDRs in Puerto Rico and Virgin Islands region | $ | 21,150 |  | $ | 27,961 |  | $ | 271,440 |  | $ | 209 |  | $ | 34,586 |  |  | $ | 116,671 |  | $ | 472,017
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | As of December 31, 2020
Florida region | Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 989 |  | $ | 401 |  | $ | 2,257 |  | $ | - |  | $ | - |  |  | $ | 22 |  | $ | 3,669
Construction loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
Commercial mortgage loans |  | - |  |  | 834 |  |  | 1,781 |  |  | - |  |  | - |  |  |  | - |  |  | 2,615
C&I loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | 224 |  |  | 224
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | 55 |  |  | 15 |  |  | - |  |  | - |  |  |  | - |  |  | 70
| Finance leases |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
| Personal loans |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
| Credit cards |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  |  | - |  |  | -
| Other consumer loans |  | 37 |  |  | - |  |  | 172 |  |  | - |  |  | - |  |  |  | 392 |  |  | 601
|  | Total TDRs in Florida region | $ | 1,026 |  | $ | 1,290 |  | $ | 4,225 |  | $ | - |  | $ | - |  |  | $ | 638 |  | $ | 7,179
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
|  |  | As of December 31, 2020
Total | Interest rate below market |  | Maturity or term extension |  | Combination of reduction in interest rate and extension of maturity |  | Forgiveness of principal and/or interest |  | Forbearance Agreement |  |  | Other (1) |  | Total
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 18,729 |  | $ | 11,526 |  | $ | 213,412 |  | $ | - |  | $ | 223 |  |  | $ | 66,716 |  | $ | 310,606
Construction loans |  | 21 |  |  | 1,700 |  |  | 1,516 |  |  | - |  |  | - |  |  |  | 186 |  |  | 3,423
Commercial mortgage loans |  | 1,491 |  |  | 2,214 |  |  | 37,495 |  |  | - |  |  | 16,473 |  |  |  | 6,765 |  |  | 64,438
C&I loans |  | 238 |  |  | 12,267 |  |  | 14,119 |  |  | - |  |  | 17,890 |  |  |  | 35,968 |  |  | 80,482
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | - |  |  | 529 |  |  | 4,878 |  |  | - |  |  | - |  |  |  | 6,112 |  |  | 11,519
| Finance leases |  | - |  |  | 15 |  |  | 588 |  |  | - |  |  | - |  |  |  | 541 |  |  | 1,144
| Personal loans |  | 58 |  |  | 9 |  |  | 571 |  |  | - |  |  | - |  |  |  | 286 |  |  | 924
| Credit cards |  | - |  |  | - |  |  | 2,342 |  |  | 16 |  |  | - |  |  |  | - |  |  | 2,358
| Other consumer loans |  | 1,639 |  |  | 991 |  |  | 744 |  |  | 193 |  |  | - |  |  |  | 735 |  |  | 4,302
|  | Total TDRs | $ | 22,176 |  | $ | 29,251 |  | $ | 275,665 |  | $ | 209 |  | $ | 34,586 |  |  | $ | 117,309 |  | $ | 479,196
(1) | Other concessions granted by the Corporation include deferral of principal and/or interest payments for a period longer than what would be considered insignificant, payment plans under judicial stipulation, or a combination of two or more of the concessions listed in the table. Amounts included in Other that represent a combination of concessions are excluded from the amounts reported in the column for such individual concessions.
The following table presents the Corporation's TDR loans held for investment activity for the indicated periods:
|  |  |  | Quarter Ended |  | Nine-Month Period Ended
| September 30, |  | September 30,
|  |  |  | 2021 |  | 2020 |  | 2021 |  | 2020
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance of TDRs |  | $ | 450,078 |  |  | $ | 496,207 |  | $ | 479,196 |  |  | $ | 487,997
New TDRs |  |  | 23,078 |  |  |  | 3,187 |  |  | 30,216 |  |  |  | 31,733
Increases to existing TDRs |  |  | - |  |  |  | 2,210 |  |  | 57 |  |  |  | 5,821
Charge-offs post modification (1) |  |  | (13,211) |  |  |  | (4,548) |  |  | (16,706) |  |  |  | (8,063)
Sales, net of charge-offs |  |  | (17,492) |  |  |  | - |  |  | (17,492) |  |  |  | -
Foreclosures |  |  | (1,074) |  |  |  | (309) |  |  | (2,684) |  |  |  | (1,947)
Removed from TDR classification |  |  | - |  |  |  | - |  |  | (6,023) |  |  |  | -
Paid-off, partial payments and other |  |  | (12,779) |  |  |  | (8,132) |  |  | (37,964) |  |  |  | (26,926)
| Ending balance of TDRs |  |  | $ | 428,600 |  |  | $ | 488,615 |  | $ | 428,600 |  |  | $ | 488,615
(1) | For the quarter and nine-month period ended September 30, 2021, includes charge-offs totaling $12.5 million related to $29.9 million of residential mortgage TDR loans that were part of the $52.5 million bulk sale of nonaccrual residential mortgage loans.
The following tables provide a breakdown of the TDR loans held for investment by those in accrual and nonaccrual status as of the indicated dates:
September 30, 2021 | Puerto Rico and |  |  |  |
|  |  | Virgin Islands region |  | Florida region |  | Total
| Accrual | Nonaccrual | Total TDRs |  | Accrual | Nonaccrual | Total TDRs |  | Accrual | Nonaccrual (1) | Total TDRs
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 240,632 | $ | 19,292 | $ | 259,924 |  | $ | 3,053 | $ | 1,356 | $ | 4,409 |  | $ | 243,685 | $ | 20,648 | $ | 264,333
Construction loans |  | 2,315 |  | 729 |  | 3,044 |  |  | - |  | - |  | - |  |  | 2,315 |  | 729 |  | 3,044
Commercial mortgage loans |  | 51,055 |  | 16,228 |  | 67,283 |  |  | 2,280 |  | - |  | 2,280 |  |  | 53,335 |  | 16,228 |  | 69,563
C&I loans |  | 64,354 |  | 11,491 |  | 75,845 |  |  | - |  | 442 |  | 442 |  |  | 64,354 |  | 11,933 |  | 76,287
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 4,671 |  | 3,024 |  | 7,695 |  |  | 40 |  | - |  | 40 |  |  | 4,711 |  | 3,024 |  | 7,735
| Finance leases |  | 1,024 |  | - |  | 1,024 |  |  | - |  | - |  | - |  |  | 1,024 |  | - |  | 1,024
| Personal loans |  | 914 |  | 2 |  | 916 |  |  | - |  | - |  | - |  |  | 914 |  | 2 |  | 916
| Credit Cards |  | 2,635 |  | - |  | 2,635 |  |  | - |  | - |  | - |  |  | 2,635 |  | - |  | 2,635
| Other consumer loans |  | 2,310 |  | 296 |  | 2,606 |  |  | 457 |  | - |  | 457 |  |  | 2,767 |  | 296 |  | 3,063
|  | Total TDRs | $ | 369,910 | $ | 51,062 | $ | 420,972 |  | $ | 5,830 | $ | 1,798 | $ | 7,628 |  | $ | 375,740 | $ | 52,860 | $ | 428,600
(1) | Included in nonaccrual loans are $13.6 million in loans that are performing under the terms of the restructuring agreement but are reported in nonaccrual status until the restructured loans meet the criteria of sustained payment performance under the revised terms for reinstatement to accrual status and are deemed fully collectible.
December 31, 2020 | Puerto Rico and |  |  |  |
|  |  | Virgin Islands region |  | Florida region |  | Total
| Accrual | Nonaccrual | Total TDRs |  | Accrual | Nonaccrual | Total TDRs |  | Accrual | Nonaccrual (1) | Total TDRs
(In thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | $ | 253,421 | $ | 53,516 | $ | 306,937 |  | $ | 3,358 | $ | 311 | $ | 3,669 |  | $ | 256,779 | $ | 53,827 | $ | 310,606
Construction loans |  | 2,480 |  | 943 |  | 3,423 |  |  | - |  | - |  | - |  |  | 2,480 |  | 943 |  | 3,423
Commercial mortgage loans |  | 43,012 |  | 18,811 |  | 61,823 |  |  | 2,615 |  | - |  | 2,615 |  |  | 45,627 |  | 18,811 |  | 64,438
C&I loans |  | 73,649 |  | 6,609 |  | 80,258 |  |  | - |  | 224 |  | 224 |  |  | 73,649 |  | 6,833 |  | 80,482
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans |  | 6,481 |  | 4,968 |  | 11,449 |  |  | 70 |  | - |  | 70 |  |  | 6,551 |  | 4,968 |  | 11,519
| Finance leases |  | 1,125 |  | 19 |  | 1,144 |  |  | - |  | - |  | - |  |  | 1,125 |  | 19 |  | 1,144
| Personal loans |  | 920 |  | 4 |  | 924 |  |  | - |  | - |  | - |  |  | 920 |  | 4 |  | 924
| Credit Cards |  | 2,358 |  | - |  | 2,358 |  |  | - |  | - |  | - |  |  | 2,358 |  | - |  | 2,358
| Other consumer loans |  | 3,274 |  | 427 |  | 3,701 |  |  | 564 |  | 37 |  | 601 |  |  | 3,838 |  | 464 |  | 4,302
|  | Total TDRs | $ | 386,720 | $ | 85,297 | $ | 472,017 |  | $ | 6,607 | $ | 572 | $ | 7,179 |  | $ | 393,327 | $ | 85,869 | $ | 479,196
(1) | Included in nonaccrual loans are $5.9 million in loans that are performing under the terms of the restructuring agreement but are reported in nonaccrual status until the restructured loans meet the criteria of sustained payment performance under the revised terms for reinstatement to accrual status and are deemed fully collectible.
Loan modifications that are considered TDR loans completed during the quarters and nine-month periods ended September 30, 2021 and 2020 were as follows:
Quarter Ended September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Puerto Rico and Virgin Islands region |  | Florida region |  | Total
|  |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 21 |  | $ | 2,084 |  | $ | 2,080 |  | 2 |  | $ | 570 |  | $ | 570 |  | 23 |  | $ | 2,654 |  | $ | 2,650
Construction loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Commercial mortgage loans | 2 |  |  | 10,433 |  |  | 10,331 |  | - |  |  | - |  |  | - |  | 2 |  |  | 10,433 |  |  | 10,331
C&I loans | 3 |  |  | 9,100 |  |  | 9,100 |  | - |  |  | - |  |  | - |  | 3 |  |  | 9,100 |  |  | 9,100
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans | 22 |  |  | 435 |  |  | 436 |  | - |  |  | - |  |  | - |  | 22 |  |  | 435 |  |  | 436
| Finance leases | 10 |  |  | 190 |  |  | 191 |  | - |  |  | - |  |  | - |  | 10 |  |  | 190 |  |  | 191
| Personal loans | 9 |  |  | 103 |  |  | 103 |  | - |  |  | - |  |  | - |  | 9 |  |  | 103 |  |  | 103
| Credit Cards | 40 |  |  | 207 |  |  | 207 |  | - |  |  | - |  |  | - |  | 40 |  |  | 207 |  |  | 207
| Other consumer loans | 14 |  |  | 59 |  |  | 60 |  | - |  |  | - |  |  | - |  | 14 |  |  | 59 |  |  | 60
|  | Total TDRs | 121 |  | $ | 22,611 |  | $ | 22,508 |  | 2 |  | $ | 570 |  | $ | 570 |  | 123 |  | $ | 23,181 |  | $ | 23,078
Quarter Ended September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Puerto Rico and Virgin Islands region |  | Florida region |  | Total
|  |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 20 |  | $ | 2,070 |  | $ | 1,938 |  | - |  | $ | - |  | $ | - |  | 20 |  | $ | 2,070 |  | $ | 1,938
Construction loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
C&I loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans | 37 |  |  | 658 |  |  | 655 |  | - |  |  | - |  |  | - |  | 37 |  |  | 658 |  |  | 655
| Finance leases | 4 |  |  | 54 |  |  | 54 |  | - |  |  | - |  |  | - |  | 4 |  |  | 54 |  |  | 54
| Personal loans | 7 |  |  | 60 |  |  | 60 |  | - |  |  | - |  |  | - |  | 7 |  |  | 60 |  |  | 60
| Credit Cards | 46 |  |  | 224 |  |  | 224 |  | - |  |  | - |  |  | - |  | 46 |  |  | 224 |  |  | 224
| Other consumer loans | 54 |  |  | 312 |  |  | 233 |  | 1 |  |  | 23 |  |  | 23 |  | 55 |  |  | 335 |  |  | 256
|  | Total TDRs | 168 |  | $ | 3,378 |  | $ | 3,164 |  | 1 |  | $ | 23 |  | $ | 23 |  | 169 |  | $ | 3,401 |  | $ | 3,187
Nine-Month Period Ended September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Puerto Rico and Virgin Islands region |  | Florida region |  | Total
|  |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 43 |  | $ | 4,086 |  | $ | 3,981 |  | 5 |  | $ | 1,466 |  | $ | 1,466 |  | 48 |  | $ | 5,552 |  | $ | 5,447
Construction loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Commercial mortgage loans | 6 |  |  | 11,091 |  |  | 11,028 |  | - |  |  | - |  |  | - |  | 6 |  |  | 11,091 |  |  | 11,028
C&I loans | 4 |  |  | 9,395 |  |  | 9,272 |  | 1 |  |  | 299 |  |  | 299 |  | 5 |  |  | 9,694 |  |  | 9,571
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans | 101 |  |  | 1,875 |  |  | 1,877 |  | - |  |  | - |  |  | - |  | 101 |  |  | 1,875 |  |  | 1,877
| Finance leases | 33 |  |  | 550 |  |  | 552 |  | - |  |  | - |  |  | - |  | 33 |  |  | 550 |  |  | 552
| Personal loans | 32 |  |  | 330 |  |  | 336 |  | - |  |  | - |  |  | - |  | 32 |  |  | 330 |  |  | 336
| Credit Cards | 203 |  |  | 1,171 |  |  | 1,171 |  | - |  |  | - |  |  | - |  | 203 |  |  | 1,171 |  |  | 1,171
| Other consumer loans | 55 |  |  | 233 |  |  | 234 |  | - |  |  | - |  |  | - |  | 55 |  |  | 233 |  |  | 234
|  | Total TDRs | 477 |  | $ | 28,731 |  | $ | 28,451 |  | 6 |  | $ | 1,765 |  | $ | 1,765 |  | 483 |  | $ | 30,496 |  | $ | 30,216
Nine-Month Period Ended September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Puerto Rico and Virgin Islands region |  | Florida region |  | Total
|  |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost |  | Number of contracts |  | Pre-modification Amortized Cost |  | Post-modification Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 72 |  | $ | 6,427 |  | $ | 5,722 |  | - |  | $ | - |  | $ | - |  | 72 |  | $ | 6,427 |  | $ | 5,722
Construction loans | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |  | - |  |  | - |  |  | -
Commercial mortgage loans | 2 |  |  | 75 |  |  | 81 |  | - |  |  | - |  |  | - |  | 2 |  |  | 75 |  |  | 81
C&I loans | 6 |  |  | 22,064 |  |  | 22,064 |  | - |  |  | - |  |  | - |  | 6 |  |  | 22,064 |  |  | 22,064
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Auto loans | 133 |  |  | 2,102 |  |  | 2,091 |  | - |  |  | - |  |  | - |  | 133 |  |  | 2,102 |  |  | 2,091
| Finance leases | 29 |  |  | 408 |  |  | 408 |  | - |  |  | - |  |  | - |  | 29 |  |  | 408 |  |  | 408
| Personal loans | 23 |  |  | 202 |  |  | 200 |  | - |  |  | - |  |  | - |  | 23 |  |  | 202 |  |  | 200
| Credit Cards | 143 |  |  | 709 |  |  | 709 |  | - |  |  | - |  |  | - |  | 143 |  |  | 709 |  |  | 709
| Other consumer loans | 139 |  |  | 507 |  |  | 435 |  | 1 |  |  | 23 |  |  | 23 |  | 140 |  |  | 530 |  |  | 458
|  | Total TDRs | 547 |  | $ | 32,494 |  | $ | 31,710 |  | 1 |  | $ | 23 |  | $ | 23 |  | 548 |  | $ | 32,517 |  | $ | 31,733
Loan modifications considered TDR loans that defaulted during the quarters and nine-month periods ended September 30, 2021 and 2020, and had become TDR during the 12-months preceding the default date, were as follows:
|  |  | Quarter Ended September 30,
|  |  | 2021 |  | 2020
Puerto Rico and Virgin Islands region | Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 2 |  | $ | 126 |  | 2 |  | $ | 253
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | 23 |  |  | 433 |  | 19 |  |  | 358
| Finance leases | - |  |  | - |  | - |  |  | -
| Personal loans | 1 |  |  | 1 |  | - |  |  | -
| Credit cards | 13 |  |  | 68 |  | 15 |  |  | 80
| Other consumer loans | - |  |  | - |  | 14 |  |  | 64
|  | Total Puerto Rico and Virgin Islands region | 39 |  | $ | 628 |  | 50 |  | $ | 755
|  |  | Quarter Ended September 30,
|  |  | 2021 |  | 2020
Florida region | Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | - |  | $ | - |  | - |  | $ | -
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | - |  |  | - |  | - |  |  | -
| Finance leases | - |  |  | - |  | - |  |  | -
| Personal loans | - |  |  | - |  | - |  |  | -
| Credit cards | - |  |  | - |  | - |  |  | -
| Other consumer loans | - |  |  | - |  | - |  |  | -
|  | Total in Florida region | - |  | $ | - |  | - |  | $ | -
|  |  | Quarter Ended September 30,
|  |  | 2021 |  | 2020
Total | Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 2 |  | $ | 126 |  | 2 |  | $ | 253
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | 23 |  |  | 433 |  | 19 |  |  | 358
| Finance leases | - |  |  | - |  | - |  |  | -
| Personal loans | 1 |  |  | 1 |  | - |  |  | -
| Credit cards | 13 |  |  | 68 |  | 15 |  |  | 80
| Other consumer loans | - |  |  | - |  | 14 |  |  | 64
|  | Total | 39 |  | $ | 628 |  | 50 |  | $ | 755
|  |  | Nine-Month Period Ended September 30,
|  |  | 2021 |  | 2020
Puerto Rico and Virgin Islands region | Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 4 |  | $ | 304 |  | 8 |  | $ | 2,142
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | 1 |  |  | 35
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | 69 |  |  | 1,164 |  | 40 |  |  | 681
| Finance leases | - |  |  | - |  | 1 |  |  | 5
| Personal loans | 1 |  |  | 1 |  | 1 |  |  | 7
| Credit cards | 25 |  |  | 161 |  | 41 |  |  | 192
| Other consumer loans | 9 |  |  | 36 |  | 50 |  |  | 191
|  | Total Puerto Rico and Virgin Islands region | 108 |  | $ | 1,666 |  | 142 |  | $ | 3,253
|  |  | Nine-Month Period Ended September 30,
|  |  | 2021 |  | 2020
Florida region | Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | - |  | $ | - |  | - |  | $ | -
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | - |  |  | -
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | - |  |  | - |  | - |  |  | -
| Finance leases | - |  |  | - |  | - |  |  | -
| Personal loans | - |  |  | - |  | - |  |  | -
| Credit cards | - |  |  | - |  | - |  |  | -
| Other consumer loans | - |  |  | - |  | - |  |  | -
|  | Total in Florida region | - |  | $ | - |  | - |  | $ | -
|  |  | Nine-Month Period Ended September 30,
|  |  | 2021 |  | 2020
Total | Number of contracts |  | Amortized Cost |  | Number of contracts |  | Amortized Cost
(Dollars in thousands) |  |  |  |  |  |  |  |  |
Conventional residential mortgage loans | 4 |  | $ | 304 |  | 8 |  | $ | 2,142
Construction loans | - |  |  | - |  | - |  |  | -
Commercial mortgage loans | - |  |  | - |  | - |  |  | -
C&I loans | - |  |  | - |  | 1 |  |  | 35
Consumer loans: |  |  |  |  |  |  |  |  |
| Auto loans | 69 |  |  | 1,164 |  | 40 |  |  | 681
| Finance leases | - |  |  | - |  | 1 |  |  | 5
| Personal loans | 1 |  |  | 1 |  | 1 |  |  | 7
| Credit cards | 25 |  |  | 161 |  | 41 |  |  | 192
| Other consumer loans | 9 |  |  | 36 |  | 50 |  |  | 191
|  | Total | 108 |  | $ | 1,666 |  | 142 |  | $ | 3,253
Entity Loan Modification Program [Member] | Ab Note Restructure Workout Strategy [Member] |
Accounts Notes And Loans Receivable [Line Items] |
Troubled Debt Restructurings On Financing Receivables Table [Text Block] |
|  | Quarter Ended |  | Quarter Ended
| September 30, 2021 |  | September 30, 2020
(In thousands) | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total |  | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total
Beginning balance of A/B Notes | $ | 16,225 |  | $ | 26,742 |  | $ | 1,476 |  | $ | 44,443 |  | $ | 22,599 |  | $ | 26,767 |  | $ | 1,892 |  | $ | 51,258
Increase to existing TDRs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 367 |  |  | - |  |  | 367
Principal repayments |  | (77) |  |  | (788) |  |  | (44) |  |  | (909) |  |  | (97) |  |  | - |  |  | (288) |  |  | (385)
Charge-offs |  | (29) |  |  | - |  |  | - |  |  | (29) |  |  | (3,087) |  |  | - |  |  | - |  |  | (3,087)
Ending balance of A/B Notes | $ | 16,119 |  | $ | 25,954 |  | $ | 1,432 |  | $ | 43,505 |  | $ | 19,415 |  | $ | 27,134 |  | $ | 1,604 |  | $ | 48,153
|  | Nine-Month Period Ended |  | Nine-Month Period Ended
| September 30, 2021 |  | September 30, 2020
(In thousands) | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total |  | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total
Beginning balance of A/B Notes | $ | 16,475 |  | $ | 27,050 |  | $ | 1,562 |  | $ | 45,087 |  | $ | 22,749 |  | $ | 26,596 |  | $ | 1,883 |  | $ | 51,228
Increase to existing TDRs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 738 |  |  | 34 |  |  | 772
Principal repayments |  | (227) |  |  | (1,096) |  |  | (130) |  |  | (1,453) |  |  | (247) |  |  | (200) |  |  | (313) |  |  | (760)
Charge-offs |  | (129) |  |  | - |  |  | - |  |  | (129) |  |  | (3,087) |  |  | - |  |  | - |  |  | (3,087)
Ending balance of A/B Notes | $ | 16,119 |  | $ | 25,954 |  | $ | 1,432 |  | $ | 43,505 |  | $ | 19,415 |  | $ | 27,134 |  | $ | 1,604 |  | $ | 48,153
|  | Quarter Ended |  | Quarter Ended
|  | September 30, 2021 |  | September 30, 2020
(In thousands) | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total |  | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total
ACL at the beginning of the period for A/B Notes | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 3,646 |  | $ | 438 |  | $ | - |  | $ | 4,084
Provision for credit losses - expense |  | 29 |  |  | - |  |  | - |  |  | 29 |  |  | (559) |  |  | (40) |  |  | - |  |  | (599)
Charge-offs |  | (29) |  |  | - |  |  | - |  |  | (29) |  |  | (3,087) |  |  | - |  |  | - |  |  | (3,087)
ACL at the end of the period for A/B notes | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 398 |  | $ | - |  | $ | 398
|  | Nine-Month Period Ended |  | Nine-Month Period Ended
|  | September 30, 2021 |  | September 30, 2020
(In thousands) | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total |  | Commercial Mortgage loans |  | Commercial and Industrial loans |  | Construction loans |  | Total
ACL at the beginning of the |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
period for A/B Notes | $ | - |  | $ | 401 |  | $ | - |  | $ | 401 |  | $ | 3,516 |  | $ | 14 |  | $ | - |  | $ | 3,530
Impact of adopting CECL |  | - |  |  | - |  |  | - |  |  | - |  |  | (415) |  |  | 89 |  |  | - |  |  | (326)
Provision for credit losses - |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
expense (benefit) |  | 129 |  |  | (401) |  |  | - |  |  | (272) |  |  | (14) |  |  | 295 |  |  | - |  |  | 281
Charge-offs |  | (129) |  |  | - |  |  | - |  |  | (129) |  |  | (3,087) |  |  | - |  |  | - |  |  | (3,087)
ACL at the end of the period for A/B notes | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 398 |  | $ | - |  | $ | 398

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