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Loans (Tables)

12 Months Ended

Dec. 31, 2019

Loans And Leases Receivable Net Reported Amount Covered And Not Covered [Abstract]

Schedule Of Accounts Notes Loans And Financing Receivable Text Block

	December 31,
	2019			2018
	(In thousands)
Originated and other loans and leases held for investment:
Mortgage	$	577,416		$	668,809
Commercial		1,667,494			1,597,588
Consumer		361,638			348,980
Auto and leasing		1,277,732			1,129,695
		3,884,280			3,745,072
Allowance for loan and lease losses on originated and other loans and leases		(83,471)			(95,188)
		3,800,809			3,649,884
Deferred loan costs, net		8,965			7,740
Total originated and other loans held for investment, net		3,809,774			3,657,624
Acquired loans:
Acquired Scotiabank PR & USVI loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Mortgage		322,179			-
Commercial		193,192			-
Consumer		112,757			-
Auto		191,015			-
		819,143			-
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Mortgage		1,130,964			-
Commercial		212,866			-
Consumer		8,539			-
Auto		41,571			-
		1,393,940			-
Total acquired Scotiabank PR & USVI loans, net		2,213,083			-
Acquired BBVAPR loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Commercial		2,141			2,546
Consumer		20,794			23,988
Auto		135			4,435
		23,070			30,969
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-20		(1,573)			(2,062)
		21,497			28,907
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Mortgage		411,531			492,890
Commercial		117,694			182,319
Auto		1,790			14,403
		531,015			689,612
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-30		(17,036)			(42,010)
		513,979			647,602
Total acquired BBVAPR loans, net		535,476			676,509
Acquired Eurobank loans:
Mortgage		48,617			63,392
Commercial		29,041			47,826
Consumer		724			846
Total acquired Eurobank loans		78,382			112,064
Allowance for loan and lease losses on Eurobank loans		(14,459)			(24,971)
Total acquired Eurobank loans, net		63,923			87,093
Total acquired loans, net		2,812,482			763,602
Total held for investment, net		6,622,256			4,421,226
Mortgage loans held-for-sale		19,591			10,368
Total loans, net	$	6,641,847		$	4,431,594

Past Due Financing Receivables [Table Text Block]

	December 31, 2019
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002	$	71		$	669		$	1,362		$	2,102		$	32,194		$	34,296		$	248
Years 2003 and 2004		81			2,772			1,784			4,637			59,280			63,917			-
Year 2005		77			1,146			1,486			2,709			29,905			32,614			-
Year 2006		277			953			898			2,128			45,339			47,467			-
Years 2007, 2008 and 2009		-			665			1,279			1,944			47,358			49,302			-
Years 2010, 2011, 2012, 2013		343			537			2,336			3,216			93,578			96,794			88
Years 2014 to present		-			232			1,170			1,402			136,762			138,164			294
		849			6,974			10,315			18,138			444,416			462,554			630
Non-traditional		-			112			972			1,084			8,553			9,637			-
Loss mitigation program		8,436			5,452			7,641			21,529			72,668			94,197			1,788
		9,285			12,538			18,928			40,751			525,637			566,388			2,418
Mortgage secured personal loans		-			-			-			-			223			223			-
GNMA's buy-back option program		-			-			10,805			10,805			-			10,805			-
		9,285			12,538			29,733			51,556			525,860			577,416			2,418
Commercial
Commercial secured by real estate:
Corporate		-			-			7,264			7,264			231,379			238,643			-
Institutional		-			-			-			-			137,610			137,610			-
Middle market		30			500			4,928			5,458			200,380			205,838			-
Retail		839			367			2,855			4,061			224,468			228,529			-
Floor plan		-			-			-			-			3,337			3,337			-
Real estate		-			-			-			-			17,083			17,083			-
US Loan Program		-			-			-			-			25,459			25,459			-
		869			867			15,047			16,783			839,716			856,499			-
Other commercial and industrial:
Corporate		-			-			-			-			137,350			137,350			-
Institutional		-			-			-			-			190,741			190,741			-
Middle market		2,934			250			1,550			4,734			66,799			71,533			-
Retail		4,370			90			345			4,805			115,067			119,872			-
Floor plan		209			-			-			209			44,154			44,363			-
US Loan Program		-			-			-			-			247,136			247,136			-
		7,513			340			1,895			9,748			801,247			810,995			-
		8,382			1,207			16,942			26,531			1,640,963			1,667,494			-

	December 31, 2019
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Consumer
Credit cards	$	800		$	243		$	546		$	1,589		$	26,025		$	27,614		$	-
Overdrafts		51			-			-			51			165			216			-
Personal lines of credit		153			-			9			162			1,616			1,778			-
Personal loans		4,796			2,090			1,262			8,148			306,539			314,687			-
Cash collateral personal loans		149			5			294			448			16,895			17,343			-
		5,949			2,338			2,111			10,398			351,240			361,638			-
Auto and leasing		72,211			31,351			14,225			117,787			1,159,945			1,277,732			-
Total	$	95,827		$	47,434		$	63,011		$	206,272		$	3,678,008		$	3,884,280		$	2,418

	December 31, 2018
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002	$	77		$	1,516		$	2,707		$	4,300		$	36,344		$	40,644		$	168
Years 2003 and 2004		91			2,412			5,632			8,135			67,707			75,842			-
Year 2005		-			552			3,531			4,083			35,004			39,087			-
Year 2006		255			1,693			5,074			7,022			49,213			56,235			-
Years 2007, 2008 and 2009		255			1,059			6,677			7,991			52,781			60,772			56
Years 2010, 2011, 2012, 2013		253			328			8,697			9,278			104,429			113,707			270
Years 2014, 2015, 2016, 2017 and 2018		-			483			1,462			1,945			139,500			141,445			-
		931			8,043			33,780			42,754			484,978			527,732			494
Non-traditional		-			116			3,085			3,201			11,072			14,273			-
Loss mitigation program		10,793			6,258			19,389			36,440			70,393			106,833			2,223
		11,724			14,417			56,254			82,395			566,443			648,838			2,717
Mortgage secured personal loans		9			-			-			9			241			250			-
GNMA's buy-back option program		-			-			19,721			19,721			-			19,721			-
		11,733			14,417			75,975			102,125			566,684			668,809			2,717
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			289,052			289,052			-
Institutional		-			-			1,200			1,200			68,413			69,613			-
Middle market		-			1,430			5,202			6,632			200,831			207,463			-
Retail		1,641			463			8,570			10,674			210,251			220,925			-
Floor plan		-			-			-			-			4,184			4,184			-
Real estate		-			-			-			-			19,009			19,009			-
US Loan Program		-			-			-			-			3,189			3,189			-
		1,641			1,893			14,972			18,506			794,929			813,435			-
Other commercial and industrial:
Corporate		-			-			-			-			179,885			179,885			-
Institutional		-			-			-			-			156,410			156,410			-
Middle market		917			-			6,020			6,937			81,030			87,967			-
Retail		571			546			817			1,934			88,000			89,934			-
Floor plan		-			-			46			46			49,633			49,679			-
US Loan Program		-			-			-			-			220,278			220,278			-
		1,488			546			6,883			8,917			775,236			784,153			-
		3,129			2,439			21,855			27,423			1,570,165			1,597,588			-

	December 31, 2018
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Consumer
Credit cards	$	725		$	363		$	411		$	1,499		$	26,535		$	28,034		$	-
Overdrafts		10			-			-			10			204			214			-
Personal lines of credit		57			11			22			90			1,827			1,917			-
Personal loans		3,966			1,740			1,262			6,968			296,151			303,119			-
Cash collateral personal loans		74			339			3			416			15,280			15,696			-
		4,832			2,453			1,698			8,983			339,997			348,980			-
Auto and leasing		58,094			27,945			13,494			99,533			1,030,162			1,129,695			-
Total	$	77,788		$	47,254		$	113,022		$	238,064		$	3,507,008		$	3,745,072		$	2,717

	December 31, 2019
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year)
Up to year 2002	$	-		$	-		$	-		$	-		$	383		$	383		$	-
Year 2003 and 2004		-			-			-			-			1,055			1,055			-
Year 2005		-			-			-			-			1,018			1,018			-
Year 2006		-			-			-			-			3,331			3,331			-
Year 2007, 2008, 2009		-			19			-			19			21,458			21,477			-
Year 2010, 2011, 2012, 2013		-			478			-			478			144,881			145,359			-
Year 2014 to present		-			70			-			70			85,110			85,180			-
		-			567			-			567			257,236			257,803			-
GNMA's buy-back option		-			-			64,376			64,376			-			64,376			-
		-			567			64,376			64,943			257,236			322,179			-
Commercial
Commercial secured by real estate
Retail	$	125		$	79		$	1,684		$	1,888		$	32,993		$	34,881		$	-
		125			79			1,684			1,888			32,993			34,881			-
Other commercial and industrial
Retail		23			13			795			831			153,078			153,909			-
Corporate		-			-			-			-			4,402			4,402			-
		23			13			795			831			157,480			158,311			-
		148			92			2,479			2,719			190,473			193,192			-
Consumer
Credit cards		161			75			-			236			28,538			28,774			-
Personal lines of credit		380			20			212			612			50,224			50,836			-
Personal loans		11			28			1			40			33,107			33,147			-
		552			123			213			888			111,869			112,757			-
Auto		105			40			15			160			190,855			191,015			-
Total	$	805		$	822		$	67,083		$	68,710		$	750,433		$	819,143		$	-

	December 31, 2019
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate
Floor plan	$	-		$	-		$	764		$	764		$	21		$	785		$	-
		-			-			764			764			21			785			-
Other commercial and industrial
Retail		48			18			26			92			1,264			1,356			-
		48			18			26			92			1,264			1,356			-
		48			18			790			856			1,285			2,141			-
Consumer
Credit cards		477			99			350			926			17,888			18,814			-
Personal loans		22			-			22			44			1,936			1,980			-
		499			99			372			970			19,824			20,794			-
Auto		20			21			30			71			64			135			-
Total	$	567		$	138		$	1,192		$	1,897		$	21,173		$	23,070		$	-

	December 31, 2018
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate
Retail	$	-		$	-		$	54		$	54		$	-		$	54		$	-
Floor plan		-			-			888			888			94			982			-
		-			-			942			942			94			1,036			-
Other commercial and industrial
Retail		30			11			8			49			1,461			1,510			-
		30			11			8			49			1,461			1,510			-
		30			11			950			991			1,555			2,546			-
Consumer
Credit cards		499			147			380			1,026			20,796			21,822			-
Personal loans		64			32			18			114			2,052			2,166			-
		563			179			398			1,140			22,848			23,988			-
Auto		405			241			200			846			3,589			4,435			-
Total	$	998		$	431		$	1,548		$	2,977		$	27,992		$	30,969		$	-

Carrying Amounts Of Acquired Loans Tabular Disclosure [Table Text Block]

	December 31,
		2019			2018
		(In thousands)
Contractual required payments receivable:	$	2,147,249		$	-
Less: Non-accretable discount		294,424			-
Cash expected to be collected		1,852,825			-
Less: Accretable yield		458,885			-
Carrying amount, gross		1,393,940			-
Less: allowance for loan and lease losses		-			-
Carrying amount, net	$	1,393,940		$	-

	December 31,
		2019			2018
		(In thousands)
Contractual required payments receivable:	$	1,086,367		$	1,304,545
Less: Non-accretable discount		340,466			345,423
Cash expected to be collected		745,901			959,122
Less: Accretable yield		214,886			269,510
Carrying amount, gross		531,015			689,612
Less: allowance for loan and lease losses		17,036			42,010
Carrying amount, net	$	513,979		$	647,602

Accretable Yield for Acquired Loans [Table Text Block]

	Year Ended December 31, 2019
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	-		$	-		$	-		$	-		$	-
Additions		325,731			129,182			3,715			257			458,885
Accretion		-			-			-			-			-
Change in expected cash flows		-			-			-			-			-
Transfer (to) non-accretable discount		-			-			-			-			-
Balance at end of year	$	325,731		$	129,182		$	3,715		$	257		$	458,885
Non-Accretable Discount Activity:
Balance at beginning of year	$	-		$	-		$	-		$	-		$	-
Additions		217,113			73,198			3,720			393			294,424
Change in actual and expected losses		-			-			-			-			-
Transfer from accretable yield		-			-			-			-			-
Balance at end of year	$	217,113		$	73,198		$	3,720		$	393		$	294,424

	Year Ended December 31, 2019
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	232,199		$	36,508		$	243		$	560		$	269,510
Accretion		(23,871)			(10,312)			(430)			(739)			(35,352)
Change in expected cash flows		(212)			23,080			(19)			739			23,588
Transfer (to) from non-accretable discount		(12,033)			(30,653)			253			(427)			(42,860)
Balance at end of year	$	196,083		$	18,623		$	47		$	133		$	214,886
Non-Accretable Discount Activity:
Balance at beginning of year	$	291,887		$	10,346		$	24,245		$	18,945		$	345,423
Change in actual and expected losses		(27,741)			(19,295)			(169)			(612)			(47,817)
Transfer from (to) accretable yield		12,033			30,653			(253)			427			42,860
Balance at end of year	$	276,179		$	21,704		$	23,823		$	18,760		$	340,466

	Year Ended December 31, 2018
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	258,498		$	46,764		$	2,766		$	885		$	308,913
Accretion		(27,248)			(14,160)			(2,360)			(871)			(44,639)
Change in expected cash flows		-			7,895			890			484			9,269
Transfer from (to) non-accretable discount		949			(3,991)			(1,053)			62			(4,033)
Balance at end of year	$	232,199		$	36,508		$	243		$	560		$	269,510
Non-Accretable Discount Activity:
Balance at beginning of year	$	299,501		$	10,596		$	23,050		$	19,284		$	352,431
Change in actual and expected losses		(6,665)			(4,241)			142			(277)			(11,041)
Transfer (to) from accretable yield		(949)			3,991			1,053			(62)			4,033
Balance at end of year	$	291,887		$	10,346		$	24,245		$	18,945		$	345,423

	Year Ended December 31, 2017
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	292,115		$	50,366		$	8,538		$	3,682		$	354,701
Accretion		(30,205)			(20,572)			(6,339)			(1,841)			(58,957)
Change in expected cash flows		2			22,250			170			143			22,565
Transfer from (to) non-accretable discount		(3,414)			(5,280)			397			(1,099)			(9,396)
Balance at end of year	$	258,498		$	46,764		$	2,766		$	885		$	308,913
Non-Accretable Discount Activity:
Balance at beginning of year	$	305,615		$	16,965		$	22,407		$	18,120		$	363,107
Change in actual and expected losses		(9,528)			(11,649)			1,040			65			(20,072)
Transfer (to) from accretable yield		3,414			5,280			(397)			1,099			9,396
Balance at end of year	$	299,501		$	10,596		$	23,050		$	19,284		$	352,431

Eurobank loans carrying amount [Table Text Block]

	December 31,
	2019			2018
	(In thousands)
Contractual required payments receivable	$	117,107		$	156,722
Less: Non-accretable discount		4,285			2,959
Cash expected to be collected		112,822			153,763
Less: Accretable yield		34,441			41,699
Carrying amount, gross		78,381			112,064
Less: Allowance for loan and lease losses		14,458			24,971
Carrying amount, net	$	63,923		$	87,093

Accretable Yield for Acquired Eurobank Loans [Table Text Block]

	Year Ended December 31, 2019
	Mortgage			Commercial			Leasing			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	38,389		$	3,310		$	-		$	-		$	41,699
Accretion		(4,999)			(4,611)			(14)			(164)			(9,788)
Change in expected cash flows		2,578			2,270			(145)			273			4,976
Transfer (to) from non-accretable discount		(1,947)			(549)			159			(109)			(2,446)
Balance at end of year	$	34,021		$	420		$	-		$	-		$	34,441
Non-Accretable Discount Activity:
Balance at beginning of year	$	2,826		$	-		$	-		$	133		$	2,959
Change in actual and expected losses		(3,051)			1,928			159			(156)			(1,120)
Transfer from (to) accretable yield		1,947			549			(159)			109			2,446
Balance at end of year	$	1,722		$	2,477		$	-		$	86		$	4,285

	Year Ended December 31, 2018
	Mortgage			Commercial			Leasing			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	42,921		$	6,751			-		$	-		$	49,672
Accretion		(5,964)			(6,430)			(52)			(389)			(12,835)
Change in expected cash flows		(1,129)			5,023			(329)			700			4,265
Transfer from (to) non-accretable discount		2,561			(2,034)			381			(311)			597
Balance at end of year	$	38,389		$	3,310		$	-		$	-		$	41,699
Non-Accretable Discount Activity:
Balance at beginning of year	$	5,334		$	276		$	-		$	235		$	5,845
Change in actual and expected losses		53			(2,310)			381			(413)			(2,289)
Transfer (to) from accretable yield		(2,561)			2,034			(381)			311			(597)
Balance at end of year	$	2,826		$	-		$	-		$	133		$	2,959

	Year Ended December 31, 2017
	Mortgage			Commercial			Leasing			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	48,033		$	16,475		$	-		$	-		$	64,508
Accretion		(7,262)			(12,985)			(30)			(283)			(20,560)
Change in expected cash flows		242			1,881			(217)			759			2,665
Transfer from (to) non-accretable discount		1,908			1,380			247			(476)			3,059
Balance at end of year	$	42,921		$	6,751		$	-		$	-		$	49,672
Non-Accretable Discount Activity:
Balance at beginning of year	$	8,452		$	3,880		$	-		$	8		$	12,340
Change in actual and expected losses		(1,210)			(2,224)			247			(249)			(3,436)
Transfer (to) from accretable yield		(1,908)			(1,380)			(247)			476			(3,059)
Balance at end of year	$	5,334		$	276		$	-		$	235		$	5,845

Financing Receivable Recorded Investment Nonaccrual Status By Class Of Loans [Table Text Block]

	December 31,
	2019			2018
	(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year):
Up to the year 2002	$	1,117		$	2,538
Years 2003 and 2004		1,784			5,818
Year 2005		1,486			3,600
Year 2006		898			5,140
Years 2007, 2008 and 2009		1,418			6,697
Years 2010, 2011, 2012, 2013		2,244			8,427
Years 2014, 2015, 2016, 2017 and 2018		876			1,462
		9,823			33,682
Non-traditional		972			3,085
Loss mitigation program		7,940			22,107
		18,735			58,874
Commercial
Commercial secured by real estate
Corporate		7,264			-
Institutional		9,092			9,911
Middle market		5,654			7,266
Retail		8,024			16,123
		30,034			33,300
Other commercial and industrial
Middle market		4,484			6,481
Retail		4,362			2,629
Floor plan		209			46
		9,055			9,156
		39,089			42,456
Consumer
Credit cards		546			411
Overdrafts		-			-
Personal lines of credit		15			31
Personal loans		3,846			2,909
Cash collateral personal loans		294			3
		4,701			3,354
Auto and leasing		14,239			13,494
Total non-accrual originated loans	$	76,764		$	118,178

	December 31,
	2019			2018
	(In thousands)
Acquired Scotiabank PR & USVI loans accounted for under ASC 310-20
Commercial
Commercial secured by real estate
Retail	$	1,922		$	-
		1,922			-
Other commercial and industrial
Retail		805			-
		2,727			-
Consumer
Personal lines of credit		212			-
Personal loans		2			-
		214			-
Auto		26			-
Total non-accrual acquired Scotiabank PR & USVI loans accounted for under ASC 310-20		2,967			-
Acquired BBVAPR loans accounted for under ASC 310-20
Commercial
Commercial secured by real estate
Retail	$	-		$	54
Floor plan		764			888
		764			942
Other commercial and industrial
Retail		26			8
		790			950
Consumer
Credit cards		350			380
Personal loans		22			18
		372			398
Auto		30			200
Total non-accrual acquired BBVAPR loans accounted for under ASC 310-20		1,192			1,548
Total non-accrual loans	$	80,923		$	119,726

Impaired Financing Receivables [Table Text Block]

	December 31, 2019
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	33,454		$	28,555		$	8,215		29%
Residential impaired and troubled-debt restructuring		78,666			71,196			6,874		10%
Impaired loans with no specific allowance:
Commercial		39,109			31,895			N/A		0%
Total investment in impaired loans	$	151,229		$	131,646		$	15,089		11%

	December 31, 2018
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	54,636		$	49,092		$	8,434		17%
Residential impaired and troubled-debt restructuring		95,659			84,174			10,186		12%
Impaired loans with no specific allowance
Commercial		38,241			32,137			N/A		0%
Total investment in impaired loans	$	188,536		$	165,403		$	18,620		11%

	December 31, 2019
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance
Commercial	$	926		$	678		$	2		0%
Impaired loans with no specific allowance
Commercial	$	-		$	-			N/A		0%
Total investment in impaired loans	$	926		$	678		$	2		0%
	December 31, 2018
	Unpaid			Recorded			Specific
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance
Commercial	$	926		$	747		$	14		2%
Impaired loans with no specific allowance
Commercial	$	-		$	-			N/A		0%
Total investment in impaired loans	$	926		$	747		$	14		2%

	December 31, 2019
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance:
Mortgage	$	400,964		$	411,531		$	9,376		2%
Commercial		87,103			84,117			6,713		8%
Auto		3,947			1,790			947		53%
Total investment in impaired loan pools	$	492,014		$	497,438		$	17,036		3%

	December 31, 2018
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance:
Mortgage	$	498,537		$	492,890		$	15,225		3%
Commercial		188,413			180,790			20,641		11%
Auto		14,551			14,403			6,144		43%
Total investment in impaired loan pools	$	701,501		$	688,083		$	42,010		6%

	December 31, 2019
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance:
Mortgage	$	53,090		$	49,366		$	12,278		25%
Commercial		17,176			17,142			2,180		13%
Total investment in impaired loan pools	$	70,266		$	66,508		$	14,458		22%

	December 31, 2018
										Coverage
	Unpaid			Recorded			Specific			to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance
Mortgage	$	70,153		$	63,406		$	15,382		24%
Commercial		47,342			47,820			9,585		20%
Consumer		15			4			4		100%
Total investment in impaired loan pools	$	117,510		$	111,230		$	24,971		22%

Impaired Financing Receivables Loans, excluding ASC 310-30 [Table Text Block]

	Year Ended December 31,
	2019							2018						2017
	Interest Income Recognized			Average Recorded Investment				Interest Income Recognized			Average Recorded Investment			Interest Income Recognized		Average Recorded Investment
	(In thousands)
Originated and other loans held for investment:
Impaired loans with specific allowance
Commercial	$	503		$	41,868		$	1,624		$	44,727		$	1,538		$	25,797
Residential troubled-debt restructuring		2,661			73,173			2,556			84,494			3,301			87,414
Impaired loans with no specific allowance
Commercial		1,086			32,269			1,091			26,199			875			36,666
Total interest income from impaired loans	$	4,250		$	147,310		$	5,271		$	155,420		$	5,714		$	149,877
Acquired loans accounted for under ASC 310-20:
Impaired loans with specific allowance
Commercial	$	-		$	701		$	-		$	747		$	-		$	794
Total interest income from impaired loans	$	4,250		$	148,011		$	5,271		$	156,167		$	5,714		$	150,671

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Year Ended December 31, 2019
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	148		$	19,130		5.85%		376		$	17,991		5.09%		345
Commercial	5			2,070		7.23%		56			2,070		6.05%		67
Consumer	370			5,357		15.69%		66			5,398		11.50%		74
Auto	22			319		7.29%		70			326		8.97%		44

	Year Ended December 31, 2018
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	143		$	19,029		5.09%		342		$	18,237		4.41%		314
Commercial	23			26,019		5.75%		118			25,973		5.64%		136
Consumer	174			2,313		13.24%		51			2,332		9.86%		61
Auto	2			40		10.42%		37			40		10.28%		32
	Year Ended December 31, 2017
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	85		$	10,441		6.23%		390		$	10,343		4.40%		384
Commercial	24			13,828		6.05%		57			13,829		5.73%		62
Consumer	107			1,391		11.68%		62			1,430		10.85%		69
Auto	9			134		7.24%		66			135		11.75%		37

	Year Ended December 31,
	2019						2018						2017
	Number of Contracts		Recorded Investment				Number of Contracts		Recorded Investment				Number of Contracts		Recorded Investment
	(Dollars in thousands)
Mortgage	29		$	3,597			23		$	3,262			34		$	3,129
Commercial	-		$	-			4		$	2,141			5		$	452
Consumer	77		$	1,118			28		$	341			20		$	249
Auto	3		$	51			-		$	-			-		$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2019
	Loan Grades
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate	$	238,643		$	214,474		$	16,905		$	7,264		$	-		$	-
Institutional		137,610			128,169			349			9,092			-			-
Middle market		205,838			153,984			32,624			19,230			-			-
Retail		228,529			212,069			5,957			10,503			-			-
Floor plan		3,337			3,337			-			-			-			-
Real estate		17,083			17,083			-			-			-			-
US Loan Program		25,459			25,459			-			-			-			-
		856,499			754,575			55,835			46,089			-			-
Other commercial and industrial:
Corporate		137,350			134,982			2,368			-			-			-
Institutional		190,741			190,741			-			-			-			-
Middle market		71,533			63,540			2,518			5,475			-			-
Retail		119,872			115,551			84			4,237			-			-
Floor plan		44,363			42,490			1,664			209			-			-
US Loan Program		247,136			237,286			9,850			-			-			-
		810,995			784,590			16,484			9,921			-			-
Total		1,667,494			1,539,165			72,319			56,010			-			-
Scotiabank PR & USVI Commercial - acquired loans (under ASC 310-20) (under ASC 310-20)
Commercial secured by real estate:
Retail		34,881			33,306			35			1,504			36			-
		34,881			33,306			35			1,504			36			-
Other commercial and industrial:
Retail		153,909			153,769			-			39			101			-
Corporate		4,402			4,402			-			-			-			-
		158,311			158,171			-			39			101			-
Total Scotiabank PR & USVI commercial - acquired loans		193,192			191,477			35			1,543			137			-
BBVAPR Commercial - acquired loans (under ASC 310-20) (under ASC 310-20)
Commercial secured by real estate:
Floor plan		785			21			-			764			-			-
		785			21			-			764			-			-
Other commercial and industrial:
Retail		1,356			1,356			-			-			-			-
		1,356			1,356			-			-			-			-
Total BBVAPR commercial - acquired loans		2,141			1,377			-			764			-			-

	December 31, 2019
	Loan Grades
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Retail - originated and other loans held for investment
Mortgage:
Traditional		462,554			452,239			-			10,315			-			-
Non-traditional		9,637			8,665			-			972			-			-
Loss mitigation program		94,197			86,556			-			7,641			-			-
Mortgage secured personal loans		223			223			-			-			-			-
GNMA's buy-back option program		10,805			-			-			10,805			-			-
		577,416			547,683			-			29,733			-			-
Consumer:
Credit cards		27,614			27,068			-			546			-			-
Overdrafts		216			165			-			51			-			-
Unsecured personal lines of credit		1,778			1,769			-			9			-			-
Unsecured personal loans		314,687			313,425			-			1,262			-			-
Cash collateral personal loans		17,343			17,049			-			294			-			-
		361,638			359,476			-			2,162			-			-
Auto and Leasing		1,277,732			1,263,506			-			14,226			-			-
Total		2,216,786			2,170,665			-			46,121			-			-
Retail - acquired loans (accounted for under ASC 310-20) - Scotiabank PR & USVI
Mortgage:
Traditional		257,803			257,803			-			-			-			-
GNMA's buy-back option program		64,376			-			-			64,376			-			-
		322,179			257,803			-			64,376			-			-
Consumer:
Credit cards		28,774			28,774			-			-			-			-
Personal lines of credit		50,836			50,624			-			212			-			-
Personal loans		33,147			33,147			-			-			-			-
		112,757			112,545			-			212			-			-
Auto		191,015			191,000			-			15			-			-
		303,772			303,545			-			227			-			-
Retail - acquired loans (accounted for under ASC 310-20) - BBVPR
Consumer:
Credit cards		18,814			18,464			-			350			-			-
Personal loans		1,980			1,958			-			22			-			-
		20,794			20,422			-			372			-			-
Auto		135			106			-			29			-			-
		20,929			20,528			-			401			-			-
	$	4,726,493		$	4,484,559		$	72,354		$	169,443		$	137		$	-

	December 31, 2018
	Loan Grades
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate	$	289,052		$	246,711		$	26,544		$	15,797		$	-		$	-
Institutional		69,613			59,509			-			10,104			-			-
Middle market		207,463			151,638			32,638			23,187			-			-
Retail		220,925			195,213			3,996			21,716			-			-
Floor plan		4,184			2,890			-			1,294			-			-
Real estate		19,009			19,009			-			-			-			-
US Loan Program		3,189			3,189			-			-			-			-
		813,435			678,159			63,178			72,098			-			-
Other commercial and industrial:
Corporate		179,885			154,629			25,256			-			-			-
Institutional		156,410			156,410			-			-			-			-
Middle market		87,967			63,876			13,737			10,354			-			-
Retail		89,934			86,882			318			2,734			-			-
Floor plan		49,679			47,092			2,541			46			-			-
US Loan Program		220,278			220,278			-			-			-			-
		784,153			729,167			41,852			13,134			-			-
Total		1,597,588			1,407,326			105,030			85,232			-			-
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Retail		54			-			-			54			-			-
Floor plan		982			94			-			888			-			-
		1,036			94			-			942			-			-
Other commercial and industrial:
Retail		1,510			1,510			-			-			-			-
		1,510			1,510			-			-			-			-
Total		2,546			1,604			-			942			-			-

	December 31, 2018
	Loan Grades
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Retail - originated and other loans held for investment
Mortgage:
Traditional		527,732			493,952			-			33,780			-			-
Non-traditional		14,273			11,188			-			3,085			-			-
Loss mitigation program		106,833			87,444			-			19,389			-			-
Home equity secured personal loans		250			250			-			-			-			-
GNMA's buy-back option program		19,721			-			-			19,721			-			-
		668,809			592,834			-			75,975			-			-
Consumer:
Credit cards		28,034			27,623			-			411			-			-
Overdrafts		214			204			-			10			-			-
Unsecured personal lines of credit		1,917			1,895			-			22			-			-
Unsecured personal loans		303,119			301,857			-			1,262			-			-
Cash collateral personal loans		15,696			15,693			-			3			-			-
		348,980			347,272			-			1,708			-			-
Auto and Leasing		1,129,695			1,116,201			-			13,494			-			-
Total		2,147,484			2,056,307			-			91,177			-			-
Retail - acquired loans (under ASC 310-20)
Consumer:
Credit cards		21,822			21,442			-			380			-			-
Personal loans		2,166			2,148			-			18			-			-
		23,988			23,590			-			398			-			-
Auto		4,435			4,235			-			200			-			-
Total		28,423			27,825			-			598			-			-
	$	3,776,041		$	3,493,062		$	105,030		$	177,949		$	-		$	-

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Tabular description of the accretable yield and non-accretable discount activity of acquired loans accounted for under ASC 310-30.

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Tabular description of the accretable yield and non-accretable discount activity of acquired loans accounted for under ASC 310-30.

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Tabular disclosure of the carrying amount of loans as part of the recent acquisition, accounted for pursuant to ASC Subtopic 310-30 which consist of loans determined to be impaired at the time of acquisition and loans that were considered to be performing at the acquisition date.

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- Definition

Tabular disclosure of the carrying amount of loans acquired as part of the FDIC-Assisted Transacton, accounted for pursuant to ASC Subtopic 310-30 which consist of loans determined to be impaired at the time of acquisition and loans that were considered to be performing at the acquisition date.

+ References

No definition available.

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- Definition

Tabular disclosure of impaired loans, excluding ASC 310-30

+ References

No definition available.

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524

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- Definition

Tabular disclosure of impaired financing receivables.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
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- References

No definition available.

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- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447

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-Name Accounting Standards Codification
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-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
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-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
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- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
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- Definition

Tabular disclosure of financing receivable on nonaccrual status.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
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-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 16
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- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
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-SubTopic 10
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-Paragraph 34
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