<SEC-DOCUMENT>0001030469-20-000031.txt : 20201023
<SEC-HEADER>0001030469-20-000031.hdr.sgml : 20201023
<ACCEPTANCE-DATETIME>20201023090811
ACCESSION NUMBER:		0001030469-20-000031
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20201023
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201023
DATE AS OF CHANGE:		20201023

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OFG BANCORP
		CENTRAL INDEX KEY:			0001030469
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				660538893
		STATE OF INCORPORATION:			PR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12647
		FILM NUMBER:		201256124

	BUSINESS ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918
		BUSINESS PHONE:		7877716800

	MAIL ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ORIENTAL FINANCIAL GROUP INC
		DATE OF NAME CHANGE:	19970110
</SEC-HEADER>
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<TYPE>8-K
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padding-left: 0" colspan="4"><p style="line-height: 115.00%; margin-bottom: 0"><span style="font-family: 'Times New Roman', 'serif'; font-weight: bold; font-size: 10.00pt">OFG BANCORP</span><span style="font-family: 'Times New Roman', 'serif'; font-size: 10.00pt"><br /><br /> </span></p></td></tr><tr><td style="vertical-align: middle; width: 43%; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0"><p style="line-height: 115.00%; margin-bottom: 0"><span style="font-family: 'Times New Roman', 'serif'; font-size: 10.00pt">Date: October 23, 2020</span></p></td><td style="vertical-align: top; width: 4%; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0"><p style="line-height: 115.00%; margin-bottom: 0"><span style="font-family: 'Times New Roman', 'serif'; font-size: 10.00pt">By: </span></p></td><td style="vertical-align: middle; width: 53%; border-bottom: solid #000000 0.75pt; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0" colspan="3"><p style="line-height: 115.00%; 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padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0"><p style="line-height: 115.00%; margin-bottom: 0"><span style="font-family: 'Times New Roman', 'serif'; font-size: 10.00pt">&#160;</span></p></td><td style="vertical-align: middle; width: 4%; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0"><p style="line-height: 115.00%; margin-bottom: 0"><span style="font-family: 'Times New Roman', 'serif'; font-size: 10.00pt">&#160;</span></p></td><td style="vertical-align: middle; width: 53%; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0" colspan="3"><p style="line-height: 115.00%; margin-bottom: 0"><span style="font-family: 'Times New Roman', 'serif'; font-size: 10.00pt">Executive Vice President and Chief Financial Officer </span></p></td></tr></table><p style="margin-bottom: 0;"></p></div><div><p style="margin-bottom: 0;">&#160;</p></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99
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<FILENAME>ofg8kexhibit9923q2020.htm
<DESCRIPTION>EXHIBIT 99
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<img src="ofg8kexhibit9923q2020p1i0.gif" alt="ofg8kexhibit9923q2020p1i0.gif" style="position:absolute;left:506.9px;top:50.5px;width:261.1px;height:45.3px;clip: rect(0px, 261.1px, 45.3px, 0px);">
<div id="a67" style="position:absolute;font-size:13.333px;left:211.267px;top:968.8px;">&#160;</div><div id="a0" style="position:absolute;font-size:13.333px;font-weight:bold;left:705.307px;top:19.4px;">Exhibit 99 </div><div id="a2" style="position:absolute;font-size:13.333px;left:768.24px;top:83.5px;">&#160;</div><div id="a3" style="position:absolute;font-size:13.333px;left:768.24px;top:112px;">&#160;</div><div id="a4" style="position:absolute;font-size:24px;font-weight:bold;color:#F5821F;left:19.2px;top:143.5px;">OFG Bancorp Reports 3Q20 Results </div><div id="a6" style="position:absolute;font-size:14.667px;left:19.2px;top:186.8px;">SAN JUAN,<div style="display:inline-block;width:10.06px">&#160;</div>Puerto Rico,<div style="display:inline-block;width:9.96px">&#160;</div>October 23,<div style="display:inline-block;width:10.03px">&#160;</div>2020 &#8211;<div style="display:inline-block;width:10.18px">&#160;</div>OFG Bancorp<div style="display:inline-block;width:9.79px">&#160;</div>(NYSE: OFG),<div style="display:inline-block;width:9.76px">&#160;</div>the financial<div style="display:inline-block;width:10.26px">&#160;</div>holding company<div style="display:inline-block;width:9.91px">&#160;</div>for </div><div id="a10" style="position:absolute;font-size:14.667px;left:19.2px;top:204.1px;">Oriental Bank, reported results for the third quarter ended September 30, 2020. </div><div id="a12" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:237px;">CEO Comment </div><div id="a14" style="position:absolute;font-size:13.333px;left:19.2px;top:274.2px;">Jos&#233; Rafael Fern&#225;ndez, President, Chief Executive Officer,<div style="display:inline-block;width:4.93px">&#160;</div>and Vice Chairman of the Board, stated:</div><div id="a16" style="position:absolute;font-size:14.667px;left:608.733px;top:272.9px;">&#160;</div><div id="a17" style="position:absolute;font-size:13.333px;left:19.2px;top:305.6px;">&#8220;We had a<div style="display:inline-block;width:6.2px">&#160;</div>strong third quarter performance<div style="display:inline-block;width:6.4px">&#160;</div>in our core business.<div style="display:inline-block;width:6.31px">&#160;</div>This was due to<div style="display:inline-block;width:6.35px">&#160;</div>an improved macro<div style="display:inline-block;width:1.55px">&#160;</div>-economic environment </div><div id="a20" style="position:absolute;font-size:13.333px;left:19.2px;top:320.8px;">in Puerto Rico and<div style="display:inline-block;width:5.77px">&#160;</div>the U.S. Virgin Islands<div style="display:inline-block;width:6.02px">&#160;</div>coupled with our being resilient,<div style="display:inline-block;width:6.02px">&#160;</div>agile, and more than<div style="display:inline-block;width:5.37px">&#160;</div>ready to service the<div style="display:inline-block;width:5.78px">&#160;</div>changing </div><div id="a23" style="position:absolute;font-size:13.333px;left:19.2px;top:336.3px;">needs of our customers and communities. </div><div id="a25" style="position:absolute;font-size:13.333px;left:19.2px;top:367.6px;">&#8220;The macro-<div style="display:inline-block;width:2.57px">&#160;</div>economic environment<div style="display:inline-block;width:8.79px">&#160;</div>benefited from<div style="display:inline-block;width:8.63px">&#160;</div>reduced Covid<div style="display:inline-block;width:2.66px">&#160;</div>-19 related<div style="display:inline-block;width:8.79px">&#160;</div>government restrictions<div style="display:inline-block;width:8.63px">&#160;</div>on economic<div style="display:inline-block;width:8.67px">&#160;</div>activity, </div><div id="a30" style="position:absolute;font-size:13.333px;left:19.2px;top:383px;">combined with growing<div style="display:inline-block;width:6.01px">&#160;</div>liquidity from the federal<div style="display:inline-block;width:6.45px">&#160;</div>stimulus programs Puerto Rico<div style="display:inline-block;width:6.25px">&#160;</div>is receiving following 2017&#8217;s<div style="display:inline-block;width:6.7px">&#160;</div>Hurricane Maria, </div><div id="a32" style="position:absolute;font-size:13.333px;left:19.2px;top:398.2px;">the early 2020 earthquakes, and now the Covid-19 pandemic. </div><div id="a36" style="position:absolute;font-size:13.333px;left:19.2px;top:429.7px;">&#8220;Our success<div style="display:inline-block;width:6.8px">&#160;</div>was driven<div style="display:inline-block;width:6.4px">&#160;</div>by staying close<div style="display:inline-block;width:7.8px">&#160;</div>to our<div style="display:inline-block;width:6.44px">&#160;</div>customers and<div style="display:inline-block;width:6.42px">&#160;</div>the communities<div style="display:inline-block;width:6.66px">&#160;</div>we serve, providing<div style="display:inline-block;width:7.97px">&#160;</div>the financial<div style="display:inline-block;width:6.44px">&#160;</div>solutions </div><div id="a38" style="position:absolute;font-size:13.333px;left:19.2px;top:444.9px;">they need as we enter what appears to be a nascent and potentially expanding recovery. </div><div id="a40" style="position:absolute;font-size:13.333px;left:19.2px;top:476.4px;">&#8220;Customer accounts<div style="display:inline-block;width:6.03px">&#160;</div>grew, and<div style="display:inline-block;width:6.71px">&#160;</div>digital migration expanded.<div style="display:inline-block;width:7.04px">&#160;</div>Deposit gathering and<div style="display:inline-block;width:7.14px">&#160;</div>loan production were<div style="display:inline-block;width:6.88px">&#160;</div>robust. 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Conference<div style="display:inline-block;width:7.68px">&#160;</div>ID: 899-3880.<div style="display:inline-block;width:7.82px">&#160;</div>The call<div style="display:inline-block;width:7.71px">&#160;</div>can also<div style="display:inline-block;width:7.67px">&#160;</div>be accessed<div style="display:inline-block;width:7.8px">&#160;</div>live on </div><div id="a146" style="position:absolute;font-size:13.333px;color:#0000FF;left:578.84px;top:489.7px;">www.ofgbancorp.com.</div><div id="a148" style="position:absolute;font-size:13.333px;left:710.627px;top:489.7px;"><div style="display:inline-block;width:5.88px">&#160;</div>Webcast </div><div id="a150" style="position:absolute;font-size:13.333px;left:19.2px;top:504.9px;">replay will be available shortly thereafter.</div><div id="a151" style="position:absolute;font-size:14.667px;left:260.067px;top:503.7px;">&#160;</div><div id="a152" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:536.5px;">Financial Supplement &amp; Conference Call Presentation </div><div id="a155" style="position:absolute;font-size:14.667px;left:19.2px;top:573.5px;">OFG&#8217;s Financial<div style="display:inline-block;width:7.93px">&#160;</div>Supplement, with<div style="display:inline-block;width:7.76px">&#160;</div>full financial<div style="display:inline-block;width:7.37px">&#160;</div>tables for<div style="display:inline-block;width:7.67px">&#160;</div>the quarter<div style="display:inline-block;width:7.47px">&#160;</div>ended September<div style="display:inline-block;width:7.66px">&#160;</div>30, 2020,<div style="display:inline-block;width:7.63px">&#160;</div>and the<div style="display:inline-block;width:7.6px">&#160;</div>3Q20 </div><div id="a156" style="position:absolute;font-size:14.667px;left:19.2px;top:590.6px;">Conference Call Presentation, can<div style="display:inline-block;width:5.95px">&#160;</div>be found on the<div style="display:inline-block;width:5.79px">&#160;</div>Quarterly Results page on<div style="display:inline-block;width:5.88px">&#160;</div>OFG&#8217;s Investor Relations website<div style="display:inline-block;width:6.33px">&#160;</div>at </div><div id="a158" style="position:absolute;font-size:14.667px;color:#0000FF;left:19.2px;top:607.7px;">www.ofgbancorp.com</div><div id="a159" style="position:absolute;font-size:14.667px;left:160.6px;top:607.7px;">.</div><div id="a160" style="position:absolute;font-size:18.667px;font-weight:bold;color:#4D4D4D;left:164.333px;top:604px;">&#160;</div><div id="a161" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:640.6px;">Non-GAAP Financial Measures</div><div id="a164" style="position:absolute;font-size:18.667px;font-weight:bold;color:#4D4D4D;left:278.773px;top:640.6px;">&#160;</div><div id="a165" style="position:absolute;font-size:14.667px;left:19.2px;top:677.8px;">In addition to<div style="display:inline-block;width:6.14px">&#160;</div>our financial information<div style="display:inline-block;width:6.16px">&#160;</div>presented in accordance with<div style="display:inline-block;width:6.82px">&#160;</div>GAAP,<div style="display:inline-block;width:6.66px">&#160;</div>management uses certain &#8220;non<div style="display:inline-block;width:2.04px">&#160;</div>-GAAP </div><div id="a168" style="position:absolute;font-size:14.667px;left:19.2px;top:694.7px;">financial measures&#8221;<div style="display:inline-block;width:12.03px">&#160;</div>within the<div style="display:inline-block;width:11.91px">&#160;</div>meaning of<div style="display:inline-block;width:11.7px">&#160;</div>SEC Regulation<div style="display:inline-block;width:11.91px">&#160;</div>G, to<div style="display:inline-block;width:11.68px">&#160;</div>clarify and<div style="display:inline-block;width:11.82px">&#160;</div>enhance understanding<div style="display:inline-block;width:12.02px">&#160;</div>of past </div><div id="a170" style="position:absolute;font-size:14.667px;left:19.2px;top:711.4px;">performance and<div style="display:inline-block;width:9.65px">&#160;</div>prospects for<div style="display:inline-block;width:9.36px">&#160;</div>the future.<div style="display:inline-block;width:9.42px">&#160;</div>Please refer<div style="display:inline-block;width:9.72px">&#160;</div>to Tables<div style="display:inline-block;width:11.16px">&#160;</div>8-1, 8-2<div style="display:inline-block;width:9.61px">&#160;</div>and 8-3<div style="display:inline-block;width:9.47px">&#160;</div>in OFG&#8217;s<div style="display:inline-block;width:9.87px">&#160;</div>above-mentioned </div><div id="a179" style="position:absolute;font-size:14.667px;left:19.2px;top:728.5px;">Financial Supplement for a reconciliation of GAAP to non-GAAP measures and calculations. </div><div id="a185" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:761.7px;">&#160;</div><div id="a186" style="position:absolute;font-size:18.667px;font-weight:bold;color:#4D4D4D;left:211.267px;top:761.7px;">&#160;</div></div>
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<div id="a187" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:19.6px;">Forward Looking Statements</div><div id="a188" style="position:absolute;font-size:18.667px;font-weight:bold;color:#4D4D4D;left:257.933px;top:19.6px;">&#160;</div><div id="a189" style="position:absolute;font-size:14.667px;left:19.2px;top:56.6px;">The information<div style="display:inline-block;width:7.43px">&#160;</div>included in<div style="display:inline-block;width:7.48px">&#160;</div>this document<div style="display:inline-block;width:7.09px">&#160;</div>contains certain<div style="display:inline-block;width:7.68px">&#160;</div>forward-looking statements<div style="display:inline-block;width:7.52px">&#160;</div>within the<div style="display:inline-block;width:7.37px">&#160;</div>meaning of<div style="display:inline-block;width:7.17px">&#160;</div>the </div><div id="a192" style="position:absolute;font-size:14.667px;left:19.2px;top:73.7px;">Private  Securities<div style="display:inline-block;width:11.94px">&#160;</div>Litigation  Reform<div style="display:inline-block;width:11.99px">&#160;</div>Act  of<div style="display:inline-block;width:11.49px">&#160;</div>1995.  These<div style="display:inline-block;width:12.38px">&#160;</div>statements  are<div style="display:inline-block;width:11.72px">&#160;</div>based  on<div style="display:inline-block;width:11.84px">&#160;</div>management&#8217;s  current </div><div id="a194" style="position:absolute;font-size:14.667px;left:19.2px;top:90.5px;">expectations and involve certain risks and uncertainties that may<div style="display:inline-block;width:5.76px">&#160;</div>cause actual results to differ materially from<div style="display:inline-block;width:5.68px">&#160;</div>those </div><div id="a195" style="position:absolute;font-size:14.667px;left:19.2px;top:107.6px;">expressed in the forward-looking statements.</div><div id="a198" style="position:absolute;font-size:12.8px;left:311.307px;top:109.3px;">&#160;</div><div id="a199" style="position:absolute;font-size:14.667px;left:19.2px;top:140.1px;">Factors that might cause<div style="display:inline-block;width:6.61px">&#160;</div>such a difference<div style="display:inline-block;width:6.17px">&#160;</div>include, but are<div style="display:inline-block;width:6.22px">&#160;</div>not limited to (i)<div style="display:inline-block;width:6.41px">&#160;</div>the rate of<div style="display:inline-block;width:5.96px">&#160;</div>growth in the<div style="display:inline-block;width:5.89px">&#160;</div>economy and </div><div id="a201" style="position:absolute;font-size:14.667px;left:19.2px;top:157.2px;">employment levels, as<div style="display:inline-block;width:6.64px">&#160;</div>well as general<div style="display:inline-block;width:6.43px">&#160;</div>business and economic<div style="display:inline-block;width:6.46px">&#160;</div>conditions; 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Other than to the extent required by applicable law,<div style="display:inline-block;width:5.25px">&#160;</div>including the requirements of applicable securities laws, OFG </div><div id="a224" style="position:absolute;font-size:13.333px;left:19.2px;top:354.2px;">assumes  no<div style="display:inline-block;width:11.64px">&#160;</div>obligation  to<div style="display:inline-block;width:11.32px">&#160;</div>update  any<div style="display:inline-block;width:11.38px">&#160;</div>forward-looking  statements<div style="display:inline-block;width:11.48px">&#160;</div>to  reflect<div style="display:inline-block;width:11.3px">&#160;</div>occurrences  or<div style="display:inline-block;width:11.31px">&#160;</div>unanticipated  events<div style="display:inline-block;width:11.32px">&#160;</div>or </div><div id="a228" style="position:absolute;font-size:13.333px;left:19.2px;top:369.7px;">circumstances after the date of such statements.</div><div id="a229" style="position:absolute;font-size:14.667px;left:306.227px;top:368.5px;">&#160;</div><div id="a230" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:401px;">About OFG Bancorp </div><div id="a232" style="position:absolute;font-size:13.333px;left:19.2px;top:438.5px;">Now in its 56</div><div id="a233" style="position:absolute;font-size:8.8px;left:96.567px;top:437.8px;">th</div><div id="a234" style="position:absolute;font-size:13.333px;left:103.5px;top:438.5px;"><div style="display:inline-block;width:4px">&#160;</div>year in business, OFG Bancorp is a diversified<div style="display:inline-block;width:5.27px">&#160;</div>financial holding company that operates under U.S.,<div style="display:inline-block;width:5.49px">&#160;</div>Puerto Rico </div><div id="a237" style="position:absolute;font-size:13.333px;left:19.2px;top:453.7px;">and U.S. Virgin Islands banking laws and regulations. Its three principal subsidiaries, Oriental Bank, Oriental Financial Services </div><div id="a239" style="position:absolute;font-size:13.333px;left:19.2px;top:469.2px;">and Oriental<div style="display:inline-block;width:7.36px">&#160;</div>Insurance, provide<div style="display:inline-block;width:7.37px">&#160;</div>a wide<div style="display:inline-block;width:7.32px">&#160;</div>range of<div style="display:inline-block;width:7.07px">&#160;</div>retail and<div style="display:inline-block;width:7.28px">&#160;</div>commercial banking,<div style="display:inline-block;width:7.49px">&#160;</div>lending and<div style="display:inline-block;width:7.31px">&#160;</div>wealth management<div style="display:inline-block;width:7.13px">&#160;</div>products, </div><div id="a241" style="position:absolute;font-size:13.333px;left:19.2px;top:484.4px;">services, and<div style="display:inline-block;width:10.78px">&#160;</div>technology, primarily<div style="display:inline-block;width:11.78px">&#160;</div>in Puerto<div style="display:inline-block;width:10.37px">&#160;</div>Rico and<div style="display:inline-block;width:10.84px">&#160;</div>U.S. Virgin<div style="display:inline-block;width:10.92px">&#160;</div>Islands. Visit<div style="display:inline-block;width:10.73px">&#160;</div>us at </div><div id="a242" style="position:absolute;font-size:13.333px;font-weight:bold;left:568.173px;top:484.4px;">Error! Hyperlink<div style="display:inline-block;width:10.76px">&#160;</div>reference not </div><div id="a243" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:499.8px;">valid.</div><div id="a244" style="position:absolute;font-size:13.333px;color:#0000FF;left:53.633px;top:499.8px;">www.ofgbancorp.com</div><div id="a245" style="position:absolute;font-size:13.333px;left:181.667px;top:499.8px;">.</div><div id="a246" style="position:absolute;font-size:14.667px;left:185.133px;top:498.6px;">&#160;</div><div id="a247" style="position:absolute;font-size:13.333px;color:#F5821F;left:378.8px;top:531px;"># # # </div><div id="a249" style="position:absolute;font-size:18.667px;color:#4D4D4D;left:19.2px;top:562.7px;">Contacts </div><div id="a251" style="position:absolute;font-size:13.333px;font-weight:bold;color:#F5821F;left:19.2px;top:599.8px;">Puerto Rico &amp; USVI:</div><div id="a252" style="position:absolute;font-size:13.333px;left:146.693px;top:599.8px;"><div style="display:inline-block;width:3.73px">&#160;</div>Idalis Montalvo (</div><div id="a254" style="position:absolute;font-size:13.333px;color:#0000FF;left:247.8px;top:599.8px;">idalis.montalvo@orientalbank.com</div><div id="a255" style="position:absolute;font-size:13.333px;left:451.067px;top:599.8px;">) at (787) 777-2847</div><div id="a258" style="position:absolute;font-size:14.667px;left:565.24px;top:598.6px;">&#160;</div><div id="a259" style="position:absolute;font-size:13.333px;font-weight:bold;color:#F5821F;left:19.2px;top:631.4px;">US:</div><div id="a260" style="position:absolute;font-size:13.333px;left:42.133px;top:631.4px;"><div style="display:inline-block;width:3.73px">&#160;</div>Gary Fishman (</div><div id="a262" style="position:absolute;font-size:13.333px;color:#0000FF;left:137.907px;top:631.4px;">gfishman@ofgbancorp.com</div><div id="a263" style="position:absolute;font-size:13.333px;left:301.173px;top:631.4px;">) and Steven Anreder (</div><div id="a265" style="position:absolute;font-size:13.333px;color:#0000FF;left:436.133px;top:631.4px;">sanreder@ofgbancorp.com</div><div id="a266" style="position:absolute;font-size:13.333px;left:598.067px;top:631.4px;">) at (212) 532-3232 </div></div>
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<div id="a270" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a272" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a280" style="position:absolute;font-size:18.667px;font-weight:bold;left:343.573px;top:83.1px;">OFG Bancorp </div><div id="a282" style="position:absolute;font-size:18.667px;font-weight:bold;left:307.84px;top:107.1px;">Financial Supplement </div><div id="a296" style="position:absolute;font-size:13.333px;left:19.2px;top:162.7px;">The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings </div><div id="a298" style="position:absolute;font-size:13.333px;left:19.2px;top:177.9px;">presentation, and investors should refer to our September 30, 2020 Quarterly Report on Form 10-Q once it is filed with the </div><div id="a301" style="position:absolute;font-size:13.333px;left:19.2px;top:193.3px;">Securities and Exchange Commission. </div><div id="a309" style="position:absolute;font-size:18.667px;font-weight:bold;left:325.44px;top:227.9px;">Table<div style="display:inline-block;width:6.5px">&#160;</div>of Contents </div><div id="a315" style="position:absolute;font-size:14.667px;font-weight:bold;left:746.107px;top:252.7px;">Pages </div><div id="a324" style="position:absolute;font-size:14.667px;font-weight:bold;left:24.267px;top:289.5px;">OFG Bancorp (Consolidated Financial Information) </div><div id="a329" style="position:absolute;font-size:13.333px;left:24.267px;top:308.3px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>1: </div><div id="a332" style="position:absolute;font-size:13.333px;left:119.233px;top:308.3px;">Financial and Statistical Summary - Consolidated </div><div id="a338" style="position:absolute;font-size:13.333px;left:781.84px;top:308.3px;">2 </div><div id="a341" style="position:absolute;font-size:13.333px;left:24.267px;top:325.4px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>2: </div><div id="a344" style="position:absolute;font-size:13.333px;left:119.233px;top:325.4px;">Consolidated Statements of Operations </div><div id="a347" style="position:absolute;font-size:13.333px;left:781.84px;top:325.4px;">3 </div><div id="a350" style="position:absolute;font-size:13.333px;left:24.267px;top:342.2px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>3: </div><div id="a353" style="position:absolute;font-size:13.333px;left:119.233px;top:342.2px;">Consolidated Statements of Financial Condition </div><div id="a357" style="position:absolute;font-size:13.333px;left:781.84px;top:342.2px;">4 </div><div id="a360" style="position:absolute;font-size:13.333px;left:24.267px;top:359.3px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>4: </div><div id="a363" style="position:absolute;font-size:13.333px;left:119.233px;top:359.3px;">Information on Loan Portfolio and Production </div><div id="a366" style="position:absolute;font-size:13.333px;left:770.107px;top:359.3px;">5-6 </div><div id="a371" style="position:absolute;font-size:13.333px;left:24.267px;top:376.4px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>5: </div><div id="a374" style="position:absolute;font-size:13.333px;left:119.233px;top:376.4px;">Average Balances, Net Interest Income and Net Interest Margin </div><div id="a377" style="position:absolute;font-size:13.333px;left:770.107px;top:376.4px;">7-8 </div><div id="a382" style="position:absolute;font-size:13.333px;left:24.267px;top:393.4px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>6: </div><div id="a385" style="position:absolute;font-size:13.333px;left:119.233px;top:393.4px;">Loan Information and Performance Statistics </div><div id="a388" style="position:absolute;font-size:13.333px;left:762.627px;top:393.4px;">9-11 </div><div id="a393" style="position:absolute;font-size:13.333px;left:24.267px;top:410.2px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>7: </div><div id="a396" style="position:absolute;font-size:13.333px;left:119.233px;top:410.2px;">Allowance for Credit Losses </div><div id="a399" style="position:absolute;font-size:13.333px;left:774.373px;top:410.2px;">12 </div><div id="a402" style="position:absolute;font-size:13.333px;left:24.267px;top:427.3px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>8: </div><div id="a405" style="position:absolute;font-size:13.333px;left:119.233px;top:427.3px;">Reconciliation of GAAP to Non-GAAP Measures and Calculation of Regulatory Capital </div><div id="a410" style="position:absolute;font-size:13.333px;left:755.173px;top:427.3px;">13-15 </div><div id="a415" style="position:absolute;font-size:13.333px;left:24.267px;top:444.3px;">Table<div style="display:inline-block;width:9.19px">&#160;</div>9: </div><div id="a418" style="position:absolute;font-size:13.333px;left:119.233px;top:444.3px;">Notes to Financial Summary, Selected Metrics, Loans, and Consolidated </div><div id="a425" style="position:absolute;font-size:13.333px;left:119.233px;top:461.4px;"><div style="display:inline-block;width:7.47px">&#160;</div>Financial Statements (Tables<div style="display:inline-block;width:5.34px">&#160;</div>1-8) </div><div id="a431" style="position:absolute;font-size:13.333px;left:774.373px;top:461.4px;">16 </div></div>
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<div id="a433" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a435" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a437" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:64.8px;">OFG Bancorp (NYSE: OFG) </div><div id="a462" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:81.3px;">Table 1: Financial and Statistical Summary - Consolidated </div><div id="a471" style="position:absolute;font-weight:bold;left:260.867px;top:98.2px;">2020 </div><div id="a474" style="position:absolute;left:333.96px;top:98.2px;">2020 </div><div id="a477" style="position:absolute;left:406px;top:98.2px;">2020 </div><div id="a480" style="position:absolute;left:487.893px;top:98.2px;">2019 </div><div id="a483" style="position:absolute;left:560.973px;top:98.2px;">2019 </div><div id="a486" style="position:absolute;font-weight:bold;left:645px;top:98.2px;">2020 </div><div id="a489" style="position:absolute;left:745.04px;top:98.2px;">2019 </div><div id="a492" style="position:absolute;font-weight:bold;left:19.2px;top:112.3px;">(Dollars in thousands, except per </div><div id="a493" style="position:absolute;font-weight:bold;left:19.2px;top:124.6px;">share data) (unaudited) </div><div id="a497" style="position:absolute;font-weight:bold;left:265.667px;top:126.2px;">Q3 </div><div id="a500" style="position:absolute;left:338.773px;top:126.2px;">Q2 </div><div id="a503" style="position:absolute;left:410.8px;top:126.2px;">Q1 </div><div id="a506" style="position:absolute;left:492.707px;top:126.2px;">Q4 </div><div id="a509" style="position:absolute;left:565.76px;top:126.2px;">Q3 </div><div id="a512" style="position:absolute;font-weight:bold;left:646.333px;top:126.2px;">YTD </div><div id="a515" style="position:absolute;left:746.107px;top:126.2px;">YTD </div><div id="a518" style="position:absolute;font-weight:bold;left:19.2px;top:140.6px;">Statement of Operations </div><div id="a543" style="position:absolute;left:19.2px;top:178.7px;">Net interest income </div><div id="a547" style="position:absolute;font-weight:bold;left:242.2px;top:178.7px;">$ </div><div id="a549" style="position:absolute;font-weight:bold;left:266.733px;top:178.7px;">99,533 </div><div id="a553" style="position:absolute;left:315.293px;top:166.5px;">$</div><div id="a554" style="position:absolute;left:315.293px;top:178.7px;"><div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a556" style="position:absolute;left:333.693px;top:178.7px;">105,060 </div><div id="a560" style="position:absolute;left:387.333px;top:166.5px;">$</div><div id="a561" style="position:absolute;left:387.333px;top:178.7px;"><div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a563" style="position:absolute;left:405.733px;top:178.7px;">105,101 </div><div id="a565" style="position:absolute;font-size:8px;left:452.933px;top:181.7px;"><div style="display:inline-block;width:2.13px">&#160;</div>(e)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a569" style="position:absolute;left:469.2px;top:166.5px;">$</div><div id="a570" style="position:absolute;left:469.2px;top:178.7px;"><div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a572" style="position:absolute;left:493.76px;top:178.7px;">79,209 </div><div id="a576" style="position:absolute;left:542.293px;top:166.5px;">$</div><div id="a577" style="position:absolute;left:542.293px;top:178.7px;"><div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a579" style="position:absolute;left:566.84px;top:178.7px;">80,710 </div><div id="a583" style="position:absolute;font-weight:bold;left:624.467px;top:166.5px;">$</div><div id="a584" style="position:absolute;font-weight:bold;left:624.467px;top:178.7px;"><div 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style="position:absolute;left:339.84px;top:193.7px;">23,106 </div><div id="a614" style="position:absolute;left:411.867px;top:193.7px;">26,233 </div><div id="a616" style="position:absolute;font-size:8px;left:454px;top:196.7px;">(e) </div><div id="a619" style="position:absolute;left:493.76px;top:193.7px;">19,196 </div><div id="a623" style="position:absolute;left:566.84px;top:193.7px;">18,542 </div><div id="a627" style="position:absolute;font-weight:bold;left:652.733px;top:193.7px;">76,825 </div><div id="a629" style="position:absolute;font-size:8px;font-weight:bold;left:702.893px;top:196.7px;">(e) </div><div id="a632" style="position:absolute;left:750.893px;top:193.7px;">54,169 </div><div id="a635" style="position:absolute;left:19.2px;top:208.9px;">Total core revenues </div><div id="a640" style="position:absolute;font-weight:bold;left:260.6px;top:208.9px;">127,019 </div><div id="a644" style="position:absolute;left:333.693px;top:208.9px;">128,166 </div><div id="a648" style="position:absolute;left:405.733px;top:208.9px;">131,334 </div><div id="a650" style="position:absolute;font-size:8px;left:452.933px;top:211.6px;"><div style="display:inline-block;width:2.13px">&#160;</div>(e)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a654" style="position:absolute;left:493.76px;top:208.9px;">98,405 </div><div id="a659" style="position:absolute;left:566.84px;top:208.9px;">99,252 </div><div id="a663" style="position:absolute;font-weight:bold;left:646.6px;top:208.9px;">386,519 </div><div id="a665" style="position:absolute;font-size:8px;font-weight:bold;left:701.84px;top:211.6px;"><div style="display:inline-block;width:2.12px">&#160;</div>(e)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a669" style="position:absolute;left:744.773px;top:208.9px;">297,753 </div><div id="a672" style="position:absolute;left:19.2px;top:223.8px;">Non-interest expense </div><div id="a679" style="position:absolute;font-weight:bold;left:266.733px;top:223.8px;">83,444 </div><div id="a683" style="position:absolute;left:339.84px;top:223.8px;">85,481 </div><div id="a687" style="position:absolute;left:411.867px;top:223.8px;">87,322 </div><div id="a689" style="position:absolute;font-size:8px;left:454px;top:226.6px;">(e) </div><div id="a692" style="position:absolute;left:493.76px;top:223.8px;">78,913 </div><div id="a694" style="position:absolute;font-size:8px;left:531.36px;top:226.6px;">(e) </div><div id="a698" style="position:absolute;left:566.84px;top:223.8px;">50,727 </div><div id="a702" style="position:absolute;font-weight:bold;left:646.6px;top:223.8px;">256,247 </div><div id="a704" style="position:absolute;font-size:8px;font-weight:bold;left:702.893px;top:226.6px;">(e) </div><div id="a707" style="position:absolute;left:744.773px;top:223.8px;">154,331 </div><div id="a709" style="position:absolute;font-size:8px;left:793.04px;top:226.6px;">(e) </div><div id="a711" 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style="position:absolute;left:339.84px;top:308.4px;">20,159 </div><div id="a868" style="position:absolute;left:426.533px;top:308.4px;">173 </div><div id="a872" style="position:absolute;left:496.44px;top:308.4px;">(2,619) </div><div id="a876" style="position:absolute;left:572.693px;top:308.4px;">5,755 </div><div id="a880" style="position:absolute;font-weight:bold;left:652.733px;top:308.4px;">46,142 </div><div id="a884" style="position:absolute;left:750.893px;top:308.4px;">49,948 </div><div id="a887" style="position:absolute;font-weight:bold;left:19.2px;top:324.6px;">Common Share Statistics </div><div id="a912" style="position:absolute;left:19.2px;top:338.2px;">Earnings (loss) per common share - </div><div id="a915" style="position:absolute;left:19.2px;top:350.5px;">basic </div><div id="a917" style="position:absolute;font-size:8px;left:217.4px;top:353.5px;">(3) </div><div id="a920" style="position:absolute;font-weight:bold;left:242.2px;top:350.5px;">$ </div><div id="a922" style="position:absolute;font-weight:bold;left:278.507px;top:350.5px;">0.50 </div><div id="a926" style="position:absolute;left:351.56px;top:350.5px;">0.39 </div><div id="a930" style="position:absolute;left:440.933px;top:350.5px;">- </div><div id="a934" style="position:absolute;left:502.56px;top:350.5px;">(0.05) </div><div id="a938" style="position:absolute;left:578.573px;top:350.5px;">0.11 </div><div id="a942" style="position:absolute;font-weight:bold;left:664.467px;top:350.5px;">0.90 </div><div id="a946" style="position:absolute;left:762.627px;top:350.5px;">0.97 </div><div id="a949" style="position:absolute;left:19.2px;top:362.8px;">Earnings (loss) per common share - </div><div id="a953" style="position:absolute;left:19.2px;top:375.1px;">diluted </div><div id="a955" style="position:absolute;font-size:8px;left:217.4px;top:378.1px;">(4) </div><div id="a958" style="position:absolute;font-weight:bold;left:242.2px;top:375.1px;">$ </div><div id="a960" 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style="position:absolute;left:493.76px;top:390px;">51,360 </div><div id="a1008" style="position:absolute;left:566.84px;top:390px;">51,345 </div><div id="a1012" style="position:absolute;font-weight:bold;left:652.733px;top:390px;">51,361 </div><div id="a1016" style="position:absolute;left:750.893px;top:390px;">51,327 </div><div id="a1019" style="position:absolute;left:19.2px;top:402.3px;">Average common shares outstanding </div><div id="a1020" style="position:absolute;left:19.2px;top:414.5px;">and equivalents </div><div id="a1025" style="position:absolute;font-weight:bold;left:266.733px;top:414.5px;">51,527 </div><div id="a1029" style="position:absolute;left:339.84px;top:414.5px;">51,470 </div><div id="a1034" style="position:absolute;left:411.867px;top:414.5px;">51,713 </div><div id="a1038" style="position:absolute;left:493.76px;top:414.5px;">51,791 </div><div id="a1042" style="position:absolute;left:566.84px;top:414.5px;">51,772 </div><div id="a1046" style="position:absolute;font-weight:bold;left:652.733px;top:414.5px;">51,563 </div><div id="a1050" style="position:absolute;left:750.893px;top:414.5px;">51,695 </div><div id="a1053" style="position:absolute;left:19.2px;top:429.7px;">Cash dividends per common share </div><div id="a1057" style="position:absolute;font-weight:bold;left:242.2px;top:429.7px;">$ </div><div id="a1059" style="position:absolute;font-weight:bold;left:278.507px;top:429.7px;">0.07 </div><div id="a1062" style="position:absolute;left:315.293px;top:429.7px;">$ </div><div id="a1064" style="position:absolute;left:351.56px;top:429.7px;">0.07 </div><div id="a1067" style="position:absolute;left:387.333px;top:429.7px;">$ </div><div id="a1069" style="position:absolute;left:423.6px;top:429.7px;">0.07 </div><div id="a1072" style="position:absolute;left:469.2px;top:429.7px;">$ </div><div id="a1074" style="position:absolute;left:505.507px;top:429.7px;">0.07 </div><div id="a1078" style="position:absolute;left:542.293px;top:429.7px;">$ </div><div id="a1080" style="position:absolute;left:578.573px;top:429.7px;">0.07 </div><div id="a1083" style="position:absolute;font-weight:bold;left:624.467px;top:429.7px;">$ </div><div id="a1085" style="position:absolute;font-weight:bold;left:664.467px;top:429.7px;">0.21 </div><div id="a1088" style="position:absolute;left:726.373px;top:429.7px;">$ </div><div id="a1090" style="position:absolute;left:762.627px;top:429.7px;">0.21 </div><div id="a1093" style="position:absolute;left:19.2px;top:442px;">Book value per common share (period </div><div id="a1094" style="position:absolute;left:19.2px;top:454.3px;">end) </div><div id="a1098" style="position:absolute;font-weight:bold;left:242.2px;top:454.3px;">$ </div><div id="a1100" style="position:absolute;font-weight:bold;left:272.64px;top:454.3px;">19.13 </div><div id="a1103" style="position:absolute;left:315.293px;top:454.3px;">$ </div><div id="a1105" style="position:absolute;left:345.693px;top:454.3px;">18.69 </div><div id="a1108" style="position:absolute;left:387.333px;top:454.3px;">$ </div><div id="a1110" style="position:absolute;left:417.733px;top:454.3px;">18.33 </div><div id="a1112" style="position:absolute;font-size:8px;left:454.267px;top:457px;">(c) </div><div id="a1114" style="position:absolute;left:469.2px;top:454.3px;">$ </div><div id="a1116" style="position:absolute;left:499.64px;top:454.3px;">18.75 </div><div id="a1119" style="position:absolute;left:542.293px;top:454.3px;">$ </div><div id="a1121" style="position:absolute;left:572.693px;top:454.3px;">18.84 </div><div id="a1124" style="position:absolute;font-weight:bold;left:624.467px;top:454.3px;">$ </div><div id="a1126" style="position:absolute;font-weight:bold;left:658.6px;top:454.3px;">19.13 </div><div id="a1128" style="position:absolute;font-size:8px;font-weight:bold;left:702.893px;top:457px;">(c) </div><div id="a1130" style="position:absolute;left:726.373px;top:454.3px;">$ </div><div id="a1132" style="position:absolute;left:756.773px;top:454.3px;">18.84 </div><div id="a1135" style="position:absolute;left:19.2px;top:466.5px;">Tangible book value per common share </div><div id="a1136" style="position:absolute;left:19.2px;top:478.8px;">(period end) </div><div id="a1138" style="position:absolute;font-size:8px;left:217.4px;top:481.5px;">(5) </div><div id="a1141" style="position:absolute;font-weight:bold;left:242.2px;top:478.8px;">$ </div><div id="a1143" style="position:absolute;font-weight:bold;left:272.64px;top:478.8px;">16.51 </div><div id="a1146" style="position:absolute;left:315.293px;top:478.8px;">$ </div><div id="a1148" style="position:absolute;left:345.693px;top:478.8px;">16.01 </div><div id="a1151" style="position:absolute;left:387.333px;top:478.8px;">$ </div><div id="a1153" style="position:absolute;left:417.733px;top:478.8px;">15.60 </div><div id="a1155" style="position:absolute;font-size:8px;left:453.2px;top:481.5px;"><div style="display:inline-block;width:2.13px">&#160;</div>(c)<div style="display:inline-block;width:2.41px">&#160;</div></div><div id="a1158" style="position:absolute;left:469.2px;top:478.8px;">$ </div><div id="a1160" style="position:absolute;left:499.64px;top:478.8px;">15.96 </div><div id="a1163" style="position:absolute;left:542.293px;top:478.8px;">$ </div><div id="a1165" style="position:absolute;left:572.693px;top:478.8px;">17.11 </div><div id="a1168" style="position:absolute;font-weight:bold;left:624.467px;top:478.8px;">$ </div><div id="a1170" style="position:absolute;font-weight:bold;left:658.6px;top:478.8px;">16.51 </div><div id="a1172" style="position:absolute;font-size:8px;font-weight:bold;left:701.84px;top:481.5px;"><div style="display:inline-block;width:2.12px">&#160;</div>(c)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1175" style="position:absolute;left:726.373px;top:478.8px;">$ </div><div id="a1177" style="position:absolute;left:756.773px;top:478.8px;">17.11 </div><div id="a1180" style="position:absolute;font-weight:bold;left:19.2px;top:495.1px;">Balance Sheet (Average<div style="display:inline-block;width:3.15px">&#160;</div>Balances) </div><div id="a1206" style="position:absolute;left:19.2px;top:514.8px;">Loans </div><div id="a1208" style="position:absolute;font-size:8px;left:217.4px;top:517.6px;">(6) </div><div id="a1211" style="position:absolute;font-weight:bold;left:242.2px;top:514.8px;">$ </div><div id="a1213" style="position:absolute;font-weight:bold;left:251.8px;top:514.8px;">6,787,022 </div><div id="a1215" style="position:absolute;font-size:8px;font-weight:bold;left:303.293px;top:517.6px;"><div style="display:inline-block;width:2.15px">&#160;</div>(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1218" style="position:absolute;left:315.293px;top:514.8px;">$ </div><div id="a1220" style="position:absolute;left:324.907px;top:514.8px;">6,840,650 </div><div id="a1223" style="position:absolute;font-size:8px;left:376.933px;top:517.6px;">(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1225" style="position:absolute;left:387.333px;top:514.8px;">$ </div><div id="a1227" style="position:absolute;left:396.933px;top:514.8px;">6,687,875 </div><div id="a1230" style="position:absolute;left:469.2px;top:514.8px;">$ </div><div id="a1232" style="position:absolute;left:478.8px;top:514.8px;">4,500,071 </div><div id="a1235" style="position:absolute;left:542.293px;top:514.8px;">$ </div><div id="a1237" style="position:absolute;left:551.893px;top:514.8px;">4,539,045 </div><div id="a1240" style="position:absolute;font-weight:bold;left:624.467px;top:514.8px;">$ </div><div id="a1242" style="position:absolute;font-weight:bold;left:637.8px;top:514.8px;">6,771,904 </div><div id="a1244" style="position:absolute;font-size:8px;font-weight:bold;left:701.84px;top:517.6px;"><div style="display:inline-block;width:2.12px">&#160;</div>(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1247" style="position:absolute;left:726.373px;top:514.8px;">$ </div><div id="a1249" style="position:absolute;left:735.96px;top:514.8px;">4,519,393 </div><div id="a1252" style="position:absolute;left:19.2px;top:529.8px;">Interest-earning assets </div><div id="a1260" style="position:absolute;font-weight:bold;left:251.8px;top:529.8px;">9,218,717 </div><div id="a1262" style="position:absolute;font-size:8px;font-weight:bold;left:304.373px;top:532.8px;">(a) </div><div id="a1265" style="position:absolute;left:324.907px;top:529.8px;">8,845,744 </div><div id="a1267" style="position:absolute;font-size:8px;left:376.933px;top:532.8px;">(a) </div><div id="a1270" style="position:absolute;left:396.933px;top:529.8px;">8,556,421 </div><div id="a1274" style="position:absolute;left:478.8px;top:529.8px;">5,886,379 </div><div id="a1278" style="position:absolute;left:551.893px;top:529.8px;">5,981,756 </div><div id="a1282" style="position:absolute;font-weight:bold;left:637.8px;top:529.8px;">8,874,886 </div><div id="a1284" style="position:absolute;font-size:8px;font-weight:bold;left:702.893px;top:532.8px;">(a) </div><div id="a1287" style="position:absolute;left:735.96px;top:529.8px;">6,055,475 </div><div id="a1290" style="position:absolute;left:19.2px;top:548.2px;">Total assets </div><div id="a1295" style="position:absolute;font-weight:bold;left:251.8px;top:548.2px;">9,918,381 </div><div id="a1297" style="position:absolute;font-size:8px;font-weight:bold;left:303.293px;top:551.2px;"><div style="display:inline-block;width:2.15px">&#160;</div>(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1301" style="position:absolute;left:324.907px;top:548.2px;">9,512,129 </div><div id="a1304" style="position:absolute;font-size:8px;left:376.933px;top:551.2px;">(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1307" style="position:absolute;left:396.933px;top:548.2px;">9,326,627 </div><div id="a1311" style="position:absolute;left:478.8px;top:548.2px;">6,325,334 </div><div id="a1315" style="position:absolute;left:551.893px;top:548.2px;">6,433,658 </div><div id="a1319" style="position:absolute;font-weight:bold;left:637.8px;top:548.2px;">9,586,921 </div><div id="a1321" style="position:absolute;font-size:8px;font-weight:bold;left:701.84px;top:551.2px;"><div style="display:inline-block;width:2.12px">&#160;</div>(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1325" style="position:absolute;left:735.96px;top:548.2px;">6,511,171 </div><div id="a1328" style="position:absolute;left:19.2px;top:563.1px;">Core deposits </div><div id="a1333" style="position:absolute;font-weight:bold;left:251.8px;top:563.1px;">8,376,623 </div><div id="a1337" style="position:absolute;left:324.907px;top:563.1px;">7,852,495 </div><div id="a1341" style="position:absolute;left:396.933px;top:563.1px;">7,516,438 </div><div id="a1345" style="position:absolute;left:478.8px;top:563.1px;">4,582,872 </div><div id="a1349" style="position:absolute;left:551.893px;top:563.1px;">4,563,187 </div><div id="a1353" style="position:absolute;font-weight:bold;left:637.8px;top:563.1px;">7,916,869 </div><div id="a1357" style="position:absolute;left:735.96px;top:563.1px;">4,475,101 </div><div id="a1360" style="position:absolute;left:19.2px;top:578.3px;">Total deposits </div><div id="a1365" style="position:absolute;font-weight:bold;left:251.8px;top:578.3px;">8,517,039 </div><div id="a1369" style="position:absolute;left:324.907px;top:578.3px;">8,088,106 </div><div id="a1373" style="position:absolute;left:396.933px;top:578.3px;">7,752,446 </div><div id="a1377" style="position:absolute;left:478.8px;top:578.3px;">4,850,979 </div><div id="a1381" style="position:absolute;left:551.893px;top:578.3px;">4,921,317 </div><div id="a1385" style="position:absolute;font-weight:bold;left:637.8px;top:578.3px;">8,120,648 </div><div id="a1389" style="position:absolute;left:735.96px;top:578.3px;">4,897,465 </div><div id="a1392" style="position:absolute;left:19.2px;top:593.2px;">Borrowings </div><div id="a1397" style="position:absolute;font-weight:bold;left:260.6px;top:593.2px;">102,916 </div><div id="a1401" style="position:absolute;left:333.693px;top:593.2px;">157,669 </div><div id="a1405" style="position:absolute;left:405.733px;top:593.2px;">271,800 </div><div id="a1409" style="position:absolute;left:487.64px;top:593.2px;">304,365 </div><div id="a1413" style="position:absolute;left:560.693px;top:593.2px;">340,194 </div><div id="a1417" style="position:absolute;font-weight:bold;left:646.6px;top:593.2px;">177,189 </div><div id="a1421" style="position:absolute;left:744.773px;top:593.2px;">453,236 </div><div id="a1424" style="position:absolute;left:19.2px;top:608.2px;">Stockholders&apos; equity </div><div id="a1429" style="position:absolute;font-weight:bold;left:251.8px;top:608.2px;">1,062,460 </div><div id="a1433" style="position:absolute;left:324.907px;top:608.2px;">1,037,195 </div><div id="a1437" style="position:absolute;left:396.933px;top:608.2px;">1,043,481 </div><div id="a1439" style="position:absolute;font-size:8px;left:453.2px;top:611.2px;"><div style="display:inline-block;width:2.13px">&#160;</div>(c)<div style="display:inline-block;width:2.41px">&#160;</div></div><div id="a1443" style="position:absolute;left:478.8px;top:608.2px;">1,062,720 </div><div id="a1447" style="position:absolute;left:551.893px;top:608.2px;">1,061,541 </div><div id="a1451" style="position:absolute;font-weight:bold;left:637.8px;top:608.2px;">1,047,766 </div><div id="a1453" style="position:absolute;font-size:8px;font-weight:bold;left:701.84px;top:611.2px;"><div style="display:inline-block;width:2.12px">&#160;</div>(c)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1457" style="position:absolute;left:735.96px;top:608.2px;">1,038,869 </div><div id="a1460" style="position:absolute;left:19.2px;top:623.1px;">Common stockholders&apos; equity </div><div id="a1465" style="position:absolute;font-weight:bold;left:260.6px;top:623.1px;">980,590 </div><div id="a1469" style="position:absolute;left:333.693px;top:623.1px;">955,325 </div><div id="a1473" style="position:absolute;left:405.733px;top:623.1px;">961,611 </div><div id="a1475" style="position:absolute;font-size:8px;left:454.267px;top:626.1px;">(c) </div><div id="a1478" style="position:absolute;left:487.64px;top:623.1px;">980,850 </div><div id="a1482" style="position:absolute;left:560.693px;top:623.1px;">979,671 </div><div id="a1486" style="position:absolute;font-weight:bold;left:646.6px;top:623.1px;">965,896 </div><div id="a1488" style="position:absolute;font-size:8px;font-weight:bold;left:702.893px;top:626.1px;">(c) </div><div id="a1491" style="position:absolute;left:744.773px;top:623.1px;">956,999 </div><div id="a1494" style="position:absolute;font-weight:bold;left:19.2px;top:639.7px;">Performance Metrics </div><div id="a1519" style="position:absolute;left:19.2px;top:655.9px;">Net interest margin </div><div id="a1521" style="position:absolute;font-size:8px;left:217.4px;top:658.7px;">(7) </div><div id="a1525" style="position:absolute;font-weight:bold;left:273.173px;top:655.9px;">4.30% </div><div id="a1529" style="position:absolute;left:346.227px;top:655.9px;">4.78% </div><div id="a1533" style="position:absolute;left:418.267px;top:655.9px;">4.94% </div><div id="a1537" style="position:absolute;left:500.173px;top:655.9px;">5.34% </div><div id="a1541" style="position:absolute;left:573.227px;top:655.9px;">5.35% </div><div id="a1545" style="position:absolute;font-weight:bold;left:659.133px;top:655.9px;">4.65% </div><div id="a1549" style="position:absolute;left:757.293px;top:655.9px;">5.38% </div><div id="a1552" style="position:absolute;left:19.2px;top:670.9px;">Return on average assets </div><div id="a1554" style="position:absolute;font-size:8px;left:217.4px;top:673.9px;">(8) </div><div id="a1558" style="position:absolute;font-weight:bold;left:273.173px;top:670.9px;">1.11% </div><div id="a1562" style="position:absolute;left:346.227px;top:670.9px;">0.92% </div><div id="a1566" style="position:absolute;left:418.267px;top:670.9px;">0.08% </div><div id="a1570" style="position:absolute;left:496.44px;top:670.9px;">-0.06% </div><div id="a1575" style="position:absolute;left:573.227px;top:670.9px;">0.46% </div><div id="a1579" style="position:absolute;font-weight:bold;left:659.133px;top:670.9px;">0.71% </div><div id="a1583" style="position:absolute;left:757.293px;top:670.9px;">1.12% </div><div id="a1586" style="position:absolute;left:19.2px;top:683.1px;">Return on average tangible common </div><div id="a1587" style="position:absolute;left:19.2px;top:695.4px;">stockholders&apos; equity </div><div id="a1589" style="position:absolute;font-size:8px;left:217.4px;top:698.4px;">(9) </div><div id="a1593" style="position:absolute;font-weight:bold;left:267.027px;top:695.4px;">12.23% </div><div id="a1597" style="position:absolute;left:346.227px;top:695.4px;">9.88% </div><div id="a1601" style="position:absolute;left:418.267px;top:695.4px;">0.08% </div><div id="a1605" style="position:absolute;left:496.44px;top:695.4px;">-1.17% </div><div id="a1610" style="position:absolute;left:573.227px;top:695.4px;">2.58% </div><div id="a1614" style="position:absolute;font-weight:bold;left:659.133px;top:695.4px;">7.44% </div><div id="a1618" style="position:absolute;left:757.293px;top:695.4px;">7.67% </div><div id="a1621" style="position:absolute;left:19.2px;top:710.3px;">Efficiency ratio </div><div id="a1623" style="position:absolute;font-size:8px;left:215.267px;top:713.3px;">(10) </div><div id="a1627" style="position:absolute;font-weight:bold;left:267.027px;top:710.3px;">65.69% </div><div id="a1631" style="position:absolute;left:340.107px;top:710.3px;">66.70% </div><div id="a1635" style="position:absolute;left:412.133px;top:710.3px;">66.49% </div><div id="a1639" style="position:absolute;left:494.027px;top:710.3px;">80.19% </div><div id="a1643" style="position:absolute;left:567.107px;top:710.3px;">51.11% </div><div id="a1647" style="position:absolute;font-weight:bold;left:653px;top:710.3px;">66.30% </div><div id="a1651" style="position:absolute;left:751.173px;top:710.3px;">51.83% </div><div id="a1654" style="position:absolute;left:19.2px;top:722.6px;">Full-time equivalent employees, period </div><div id="a1657" style="position:absolute;left:19.2px;top:734.9px;">end </div><div id="a1662" style="position:absolute;font-weight:bold;left:272.64px;top:734.9px;">2,334 </div><div id="a1666" style="position:absolute;left:345.693px;top:734.9px;">2,373 </div><div id="a1670" style="position:absolute;left:417.733px;top:734.9px;">2,449 </div><div id="a1674" style="position:absolute;left:499.64px;top:734.9px;">2,455 </div><div id="a1678" style="position:absolute;left:572.693px;top:734.9px;">1,436 </div><div id="a1682" style="position:absolute;font-weight:bold;left:658.6px;top:734.9px;">2,334 </div><div id="a1686" style="position:absolute;left:756.773px;top:734.9px;">1,436 </div><div id="a1689" style="position:absolute;font-weight:bold;left:19.2px;top:751.4px;">Credit Quality Metrics </div><div id="a1692" style="position:absolute;font-size:8px;left:210.2px;top:754.1px;">(1)(21) </div><div id="a1716" style="position:absolute;left:19.2px;top:767.7px;">Allowance for loan and lease losses </div><div id="a1720" style="position:absolute;font-weight:bold;left:242.2px;top:767.7px;">$ </div><div id="a1722" style="position:absolute;font-weight:bold;left:260.6px;top:767.7px;">235,313 </div><div id="a1725" style="position:absolute;left:315.293px;top:767.7px;">$ </div><div id="a1727" style="position:absolute;left:333.693px;top:767.7px;">232,701 </div><div id="a1730" style="position:absolute;left:387.333px;top:767.7px;">$ </div><div id="a1732" style="position:absolute;left:405.733px;top:767.7px;">230,755 </div><div id="a1734" style="position:absolute;font-size:8px;left:449.2px;top:770.4px;">(c)(d) </div><div id="a1736" style="position:absolute;left:469.2px;top:767.7px;">$ </div><div id="a1738" style="position:absolute;left:487.64px;top:767.7px;">116,539 </div><div id="a1741" style="position:absolute;left:542.293px;top:767.7px;">$ </div><div id="a1743" style="position:absolute;left:560.693px;top:767.7px;">154,343 </div><div id="a1746" style="position:absolute;font-weight:bold;left:624.467px;top:767.7px;">$ </div><div id="a1748" style="position:absolute;font-weight:bold;left:646.6px;top:767.7px;">235,313 </div><div id="a1750" style="position:absolute;font-size:8px;font-weight:bold;left:697.84px;top:770.4px;">(c)(d) </div><div id="a1752" style="position:absolute;left:726.373px;top:767.7px;">$ </div><div id="a1754" style="position:absolute;left:744.773px;top:767.7px;">154,343 </div><div id="a1757" style="position:absolute;left:19.2px;top:780px;">Allowance as a % of loans held for </div><div id="a1760" style="position:absolute;left:19.2px;top:792.2px;">investment </div><div id="a1765" style="position:absolute;font-weight:bold;left:273.173px;top:792.2px;">3.48% </div><div id="a1767" style="position:absolute;font-size:8px;font-weight:bold;left:303.293px;top:795px;"><div style="display:inline-block;width:2.15px">&#160;</div>(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1771" style="position:absolute;left:346.227px;top:792.2px;">3.35% </div><div id="a1774" style="position:absolute;font-size:8px;left:376.933px;top:795px;">(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1777" style="position:absolute;left:418.267px;top:792.2px;">3.41% </div><div id="a1781" style="position:absolute;left:500.173px;top:792.2px;">1.73% </div><div id="a1785" style="position:absolute;left:573.227px;top:792.2px;">3.41% </div><div id="a1789" style="position:absolute;font-weight:bold;left:659.133px;top:792.2px;">3.48% </div><div id="a1791" style="position:absolute;font-size:8px;font-weight:bold;left:701.84px;top:795px;"><div style="display:inline-block;width:2.12px">&#160;</div>(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a1795" style="position:absolute;left:757.293px;top:792.2px;">3.41% </div><div id="a1798" style="position:absolute;left:19.2px;top:807.2px;">Net charge-offs </div><div id="a1804" style="position:absolute;font-weight:bold;left:242.2px;top:807.2px;">$ </div><div id="a1806" style="position:absolute;font-weight:bold;left:266.733px;top:807.2px;">10,570 </div><div id="a1809" style="position:absolute;left:315.293px;top:807.2px;">$ </div><div id="a1811" style="position:absolute;left:339.84px;top:807.2px;">15,750 </div><div id="a1814" style="position:absolute;left:387.333px;top:807.2px;">$ </div><div id="a1816" style="position:absolute;left:411.867px;top:807.2px;">24,034 </div><div id="a1819" style="position:absolute;left:469.2px;top:807.2px;">$ </div><div id="a1821" style="position:absolute;left:493.76px;top:807.2px;">14,395 </div><div id="a1824" style="position:absolute;left:542.293px;top:807.2px;">$ </div><div id="a1826" style="position:absolute;left:566.84px;top:807.2px;">34,486 </div><div id="a1828" style="position:absolute;font-size:8px;left:605.267px;top:810.2px;">(f)(g) </div><div id="a1830" style="position:absolute;font-weight:bold;left:624.467px;top:807.2px;">$ </div><div id="a1832" style="position:absolute;font-weight:bold;left:652.733px;top:807.2px;">50,354 </div><div id="a1835" style="position:absolute;left:726.373px;top:807.2px;">$ </div><div id="a1837" style="position:absolute;left:750.893px;top:807.2px;">59,477 </div><div id="a1840" style="position:absolute;left:19.2px;top:822.1px;">Net charge-off rate </div><div id="a1844" style="position:absolute;font-size:8px;left:215.267px;top:825.1px;">(11) </div><div id="a1848" style="position:absolute;font-weight:bold;left:273.173px;top:822.1px;">0.62% </div><div id="a1852" style="position:absolute;left:346.227px;top:822.1px;">0.92% </div><div id="a1856" style="position:absolute;left:418.267px;top:822.1px;">1.44% </div><div id="a1860" style="position:absolute;left:500.173px;top:822.1px;">1.28% </div><div id="a1864" style="position:absolute;left:573.227px;top:822.1px;">3.04% </div><div id="a1866" style="position:absolute;font-size:8px;left:604.2px;top:825.1px;"><div style="display:inline-block;width:2.13px">&#160;</div>(f)(g)<div style="display:inline-block;width:2.41px">&#160;</div></div><div id="a1870" style="position:absolute;font-weight:bold;left:659.133px;top:822.1px;">0.99% </div><div id="a1874" style="position:absolute;left:757.293px;top:822.1px;">1.75% </div><div id="a1876" style="position:absolute;font-size:8px;left:788.227px;top:825.1px;"><div style="display:inline-block;width:2.15px">&#160;</div>(f)(g)<div style="display:inline-block;width:2.43px">&#160;</div></div><div id="a1879" style="position:absolute;left:19.2px;top:834.4px;">Early delinquency rate (30 - 89 days </div><div id="a1883" style="position:absolute;left:19.2px;top:846.6px;">past due)<div style="display:inline-block;width:3.03px">&#160;</div></div><div id="a1888" style="position:absolute;font-weight:bold;left:273.173px;top:846.6px;">2.50% </div><div id="a1892" style="position:absolute;left:346.227px;top:846.6px;">2.64% </div><div id="a1896" style="position:absolute;left:418.267px;top:846.6px;">3.16% </div><div id="a1900" style="position:absolute;left:500.173px;top:846.6px;">3.07% </div><div id="a1904" style="position:absolute;left:573.227px;top:846.6px;">3.63% </div><div id="a1908" style="position:absolute;font-weight:bold;left:659.133px;top:846.6px;">2.50% </div><div id="a1912" style="position:absolute;left:757.293px;top:846.6px;">3.63% </div><div id="a1915" style="position:absolute;left:19.2px;top:858.9px;">Total delinquency rate (30 days and </div><div id="a1916" style="position:absolute;left:19.2px;top:871.2px;">over) </div><div id="a1921" style="position:absolute;font-weight:bold;left:273.173px;top:871.2px;">5.67% </div><div id="a1925" style="position:absolute;left:346.227px;top:871.2px;">5.56% </div><div id="a1929" style="position:absolute;left:418.267px;top:871.2px;">6.38% </div><div id="a1933" style="position:absolute;left:500.173px;top:871.2px;">5.85% </div><div id="a1937" style="position:absolute;left:573.227px;top:871.2px;">5.40% </div><div id="a1941" style="position:absolute;font-weight:bold;left:659.133px;top:871.2px;">5.67% </div><div id="a1945" style="position:absolute;left:757.293px;top:871.2px;">5.40% </div><div id="a1948" style="position:absolute;font-weight:bold;left:19.2px;top:887.7px;">Capital Ratios (Non-GAAP) </div><div id="a1952" style="position:absolute;font-size:8px;left:208.067px;top:890.4px;">(12)(20) </div><div id="a1976" style="position:absolute;left:19.2px;top:907.5px;">Leverage ratio </div><div id="a1981" style="position:absolute;font-weight:bold;left:267.027px;top:907.5px;">10.00% </div><div id="a1985" style="position:absolute;left:340.107px;top:907.5px;">10.16% </div><div id="a1989" style="position:absolute;left:412.133px;top:907.5px;">10.14% </div><div id="a1992" style="position:absolute;font-size:8px;left:449.2px;top:910.2px;">(b)(c)<div style="display:inline-block;width:2.23px">&#160;</div></div><div id="a1995" style="position:absolute;left:500.173px;top:907.5px;">9.24% </div><div id="a1999" style="position:absolute;left:567.107px;top:907.5px;">15.41% </div><div id="a2003" style="position:absolute;font-weight:bold;left:653px;top:907.5px;">10.00% </div><div id="a2005" style="position:absolute;font-size:8px;font-weight:bold;left:696.773px;top:910.2px;"><div style="display:inline-block;width:2.12px">&#160;</div>(b)(c)<div style="display:inline-block;width:2.41px">&#160;</div></div><div id="a2009" style="position:absolute;left:751.173px;top:907.5px;">15.41% </div><div id="a2012" style="position:absolute;left:19.2px;top:922.4px;">Common equity Tier 1 capital ratio </div><div id="a2017" style="position:absolute;font-weight:bold;left:267.027px;top:922.4px;">12.55% </div><div id="a2021" style="position:absolute;left:340.107px;top:922.4px;">12.03% </div><div id="a2023" style="position:absolute;font-size:8px;left:376.933px;top:925.1px;">(a) </div><div id="a2026" style="position:absolute;left:412.133px;top:922.4px;">11.69% </div><div id="a2028" style="position:absolute;font-size:8px;left:449.2px;top:925.1px;">(b)(c) </div><div id="a2031" style="position:absolute;left:494.027px;top:922.4px;">10.91% </div><div id="a2035" style="position:absolute;left:567.107px;top:922.4px;">17.98% </div><div id="a2039" style="position:absolute;font-weight:bold;left:653px;top:922.4px;">12.55% </div><div id="a2041" style="position:absolute;font-size:8px;font-weight:bold;left:692.733px;top:925.1px;">(a)(b)(c) </div><div id="a2044" style="position:absolute;left:751.173px;top:922.4px;">17.98% </div><div id="a2047" style="position:absolute;left:19.2px;top:940.8px;">Tier 1 risk-based capital ratio </div><div id="a2054" style="position:absolute;font-weight:bold;left:267.027px;top:940.8px;">14.25% </div><div id="a2058" style="position:absolute;left:340.107px;top:940.8px;">13.71% </div><div id="a2061" style="position:absolute;font-size:8px;left:376.933px;top:943.5px;">(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a2064" style="position:absolute;left:412.133px;top:940.8px;">13.36% </div><div id="a2067" style="position:absolute;font-size:8px;left:449.2px;top:943.5px;">(b)(c)<div style="display:inline-block;width:2.23px">&#160;</div></div><div id="a2070" style="position:absolute;left:494.027px;top:940.8px;">12.64% </div><div id="a2074" style="position:absolute;left:567.107px;top:940.8px;">20.43% </div><div id="a2078" style="position:absolute;font-weight:bold;left:653px;top:940.8px;">14.25% </div><div id="a2080" style="position:absolute;font-size:8px;font-weight:bold;left:691.667px;top:943.5px;"><div style="display:inline-block;width:2.13px">&#160;</div>(a)(b)(c)<div style="display:inline-block;width:2.27px">&#160;</div></div><div id="a2084" style="position:absolute;left:751.173px;top:940.8px;">20.43% </div><div id="a2087" style="position:absolute;left:19.2px;top:955.7px;">Total risk-based capital ratio </div><div id="a2094" style="position:absolute;font-weight:bold;left:267.027px;top:955.7px;">15.50% </div><div id="a2098" style="position:absolute;left:340.107px;top:955.7px;">14.96% </div><div id="a2100" style="position:absolute;font-size:8px;left:376.933px;top:958.7px;">(a) </div><div id="a2103" style="position:absolute;left:412.133px;top:955.7px;">14.62% </div><div id="a2105" style="position:absolute;font-size:8px;left:449.2px;top:958.7px;">(b)(c) </div><div id="a2108" style="position:absolute;left:494.027px;top:955.7px;">13.91% </div><div id="a2112" style="position:absolute;left:567.107px;top:955.7px;">21.71% </div><div id="a2116" style="position:absolute;font-weight:bold;left:653px;top:955.7px;">15.50% </div><div id="a2118" style="position:absolute;font-size:8px;font-weight:bold;left:692.733px;top:958.7px;">(a)(b)(c) </div><div id="a2121" style="position:absolute;left:751.173px;top:955.7px;">21.71% </div><div id="a2124" style="position:absolute;left:19.2px;top:970.7px;">Tangible common equity (&quot;TCE&quot;) ratio </div><div id="a2129" style="position:absolute;font-weight:bold;left:273.173px;top:970.7px;">8.58% </div><div id="a2133" style="position:absolute;left:346.227px;top:970.7px;">8.39% </div><div id="a2137" style="position:absolute;left:418.267px;top:970.7px;">8.80% </div><div id="a2141" style="position:absolute;left:500.173px;top:970.7px;">8.96% </div><div id="a2145" style="position:absolute;left:567.107px;top:970.7px;">14.07% </div><div id="a2149" style="position:absolute;font-weight:bold;left:659.133px;top:970.7px;">8.58% </div><div id="a2153" style="position:absolute;left:751.173px;top:970.7px;">14.07% </div></div>
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<div id="a2180" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a2182" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a2184" style="position:absolute;font-size:9.333px;left:19.2px;top:63.4px;">(a) In response to the Coronavirus (COVID-19) pandemic, CARES Act created funding for the Small Business Administration (SBA) Paycheck Protection Program (PPP), which provides </div><div id="a2188" style="position:absolute;font-size:9.333px;left:19.2px;top:74.4px;">loans to small businesses to keep their employees on payroll and make other eligible payments. The original funding for the PPP was fully allocated by mid-April 2020, with additional </div><div id="a2192" style="position:absolute;font-size:9.333px;left:19.2px;top:85px;">funding made available on April 24, 2020 under the Paycheck Protection Program and Health Care Enhancement Act. During 2Q 2020 and 3Q 2020, the Company participated in this </div><div id="a2194" style="position:absolute;font-size:9.333px;left:19.2px;top:95.7px;">program originating 4,342 and 732 PPP loans, respectively. &#210;n June 30, 2020 and September 30, 2020, Oriental had PPP loans amounting to $278.1 million and $289.2 million, </div><div id="a2197" style="position:absolute;font-size:9.333px;left:19.2px;top:106.4px;">respectively. These loans are fully guaranteed by the SBA and risk-weighted at 0%. </div><div id="a2202" style="position:absolute;font-size:9.333px;left:19.2px;top:117.3px;">(b) During 1Q 2020, the Company decided to early implement Simplifications to the Capital Rule, which simplified the regulatory capital treatment for mortgage servicing assets (MSA) </div><div id="a2205" style="position:absolute;font-size:9.333px;left:19.2px;top:128px;">and certain deferred tax assets arising from temporary differences (temporary difference DTAs). It Increased common equity tier<div style="display:inline-block;width:3.79px">&#160;</div>1 (CET1) capital threshold deductions from 10 percent to </div><div id="a2207" style="position:absolute;font-size:9.333px;left:19.2px;top:138.6px;">25 percent and removes the aggregate 15 percent CET1 threshold deduction. However, it retains the 250 percent risk weight applicable to non-deducted amounts of MSAs and </div><div id="a2211" style="position:absolute;font-size:9.333px;left:19.2px;top:149.3px;">temporary difference DTAs. </div><div id="a2214" style="position:absolute;font-size:9.333px;left:19.2px;top:160.2px;">(c) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective approach. As a </div><div id="a2218" style="position:absolute;font-size:9.333px;left:19.2px;top:170.9px;">result, a $39.2 million allowance for credit losses was recorded for Non-PCD loans and $0.2 million for unused commitments with the corresponding adjustment reducing retained </div><div id="a2222" style="position:absolute;font-size:9.333px;left:19.2px;top:181.6px;">earnings, net of a $13.9 million deferred tax effect. For PCD loans, including BBVA and Eurobank acquired book plus the recently acquired Scotiabank, the adjustment amounting to </div><div id="a2224" style="position:absolute;font-size:9.333px;left:19.2px;top:192.2px;">$50.5 million was made through the allowance and loan balances with no impact in capital. As disclosed in the Company&#8217;s 2019 Form 10-K, the Company had initially elected to phase-in </div><div id="a2230" style="position:absolute;font-size:9.333px;left:19.2px;top:203.2px;">the January 1, 2020 (&#8220;day 1&#8221;) impact to retained earnings to regulatory capital, over a three-year transition period beginning in 2020. As part of its response to the impact of COVID-19, in </div><div id="a2236" style="position:absolute;font-size:9.333px;left:19.2px;top:213.9px;">March 2020, the Federal Reserve, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency issued an interim final rule that provided the option to temporarily </div><div id="a2238" style="position:absolute;font-size:9.333px;left:19.2px;top:224.5px;">delay the effects of CECL on regulatory capital for two years, followed by a three-year transition period. In addition, for the first two years, a uniform 25% &#8220;scaling factor&#8221; is introduced to </div><div id="a2242" style="position:absolute;font-size:9.333px;left:19.2px;top:235.2px;">approximate the portion of the post day-one allowance attributable to CECL relative to the incurred loss methodology. The 25% scaling factor is calibrated to approximate an overall after-</div><div id="a2247" style="position:absolute;font-size:9.333px;left:19.2px;top:246.1px;">tax impact of differences in allowances under CECL vs the incurred loss methodology. </div><div id="a2250" style="position:absolute;font-size:9.333px;left:19.2px;top:256.8px;">(d) In March 2020, a global pandemic was declared by the World Health Organization related to the rapidly growing outbreak of a novel strain of coronavirus (COVID-19). The pandemic </div><div id="a2254" style="position:absolute;font-size:9.333px;left:19.2px;top:267.5px;">significantly impacted the economic conditions in P.R. and the<div style="display:inline-block;width:4.1px">&#160;</div>U.S., creating significant uncertainties. In response, we increased our provision for credit losses on loans in 1Q 2020 and </div><div id="a2257" style="position:absolute;font-size:9.333px;left:19.2px;top:278.1px;">2Q 2020 by $34.1 million and $5.0 million, respectively, and established a provision for credit losses on accrued interest receivables under deferral plans in 3Q 2020 of $826 thousand. </div><div id="a2261" style="position:absolute;font-size:9.333px;left:19.2px;top:289.1px;">(e) On December 31, 2019, the Company acquired Scotiabank&apos;s Puerto Rico and USVI operations, incurring in merger and restructuring charges of $21.5 million during 4Q 2019, $3.0 </div><div id="a2264" style="position:absolute;font-size:9.333px;left:19.2px;top:299.7px;">million during 2Q 2020, and $2.7 million during 3Q 2020. At December 31, 2019, the consolidated statement of financial condition contemplated the effects of the Scotiabank PR &amp; USVI </div><div id="a2266" style="position:absolute;font-size:9.333px;left:19.2px;top:310.4px;">acquisition. Nevertheless, the consolidated statement of operations did not contemplate the effects of the Scotiabank PR &amp; USVI acquisition until January 1, 2020. </div><div id="a2270" style="position:absolute;font-size:9.333px;left:19.2px;top:322.4px;">(f) During 3Q 2019, the Company received $2.4 million proceeds from the sale of fully charged-off originated auto and consumer loans. </div><div id="a2275" style="position:absolute;font-size:9.333px;left:19.2px;top:333.1px;">(g) During 3Q 2019, the Company decided to sell mostly non-performing loans, increasing the provision by $37.2 million. Originated loans that were transferred to held-for-sale amounted </div><div id="a2283" style="position:absolute;font-size:9.333px;left:19.2px;top:344px;">to $25.3 million at September 30, 2019, the remaining were purchased credit impaired loans. Loans were sold during 4Q 2019, with an additional increase in the provision of $6.6 million. </div><div id="a2312" style="position:absolute;left:410.8px;top:364.1px;">2 </div></div>
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<div style="position:absolute; width:202.2px; height:1.3px; left:19.2px; top:170.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:159px; height:1.3px; left:620.5px; top:113.4px; background-color:#000000;">&#160;</div>
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<div id="a2314" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a2316" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a2318" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a2343" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:82.4px;">Table 2: Consolidated Statements of Operations </div><div id="a2355" style="position:absolute;font-weight:bold;left:371.56px;top:101.4px;">Quarter Ended </div><div id="a2358" style="position:absolute;font-weight:bold;left:649.8px;top:101.4px;">Nine-Months Ended </div><div id="a2366" style="position:absolute;font-weight:bold;left:232.867px;top:115px;">September </div><div id="a2367" style="position:absolute;font-weight:bold;left:252.867px;top:127.3px;">30, </div><div id="a2370" style="position:absolute;left:311.84px;top:127.3px;">June 30, </div><div id="a2373" style="position:absolute;left:374.533px;top:127.3px;">March 31, </div><div id="a2376" style="position:absolute;left:454.8px;top:115px;">December </div><div id="a2377" style="position:absolute;left:471.867px;top:127.3px;">31, </div><div id="a2380" style="position:absolute;left:531.36px;top:115px;">September </div><div id="a2381" style="position:absolute;left:550.04px;top:127.3px;">30, </div><div id="a2384" style="position:absolute;font-weight:bold;left:626.067px;top:115px;">September </div><div id="a2385" style="position:absolute;font-weight:bold;left:646.067px;top:127.3px;">30, </div><div id="a2388" style="position:absolute;left:720.227px;top:115px;">September </div><div id="a2389" style="position:absolute;left:738.893px;top:127.3px;">30, </div><div id="a2392" style="position:absolute;font-weight:bold;left:19.2px;top:142.7px;">(Dollars in thousands, except per </div><div id="a2393" style="position:absolute;font-weight:bold;left:19.2px;top:155px;">share data) (unaudited) </div><div id="a2397" style="position:absolute;font-weight:bold;left:248.333px;top:158.2px;">2020 </div><div id="a2400" style="position:absolute;left:320.36px;top:158.2px;">2020 </div><div id="a2403" style="position:absolute;left:386.533px;top:158.2px;">2020 </div><div id="a2406" style="position:absolute;left:467.333px;top:158.2px;">2019 </div><div id="a2409" style="position:absolute;left:545.507px;top:158.2px;">2019 </div><div id="a2412" style="position:absolute;font-weight:bold;left:641.533px;top:158.2px;">2020 </div><div id="a2415" style="position:absolute;left:734.373px;top:158.2px;">2019 </div><div id="a2418" style="position:absolute;font-weight:bold;left:19.2px;top:174.5px;">Interest income: </div><div id="a2443" style="position:absolute;left:19.2px;top:189.7px;">Loans<div style="display:inline-block;width:2.94px">&#160;</div></div><div id="a2445" style="position:absolute;font-size:8px;left:211.267px;top:192.4px;">(1) </div><div id="a2469" style="position:absolute;left:19.2px;top:204.6px;"><div style="display:inline-block;width:11.73px">&#160;</div>Non-PCD loans </div><div id="a2476" style="position:absolute;font-weight:bold;left:227.267px;top:204.6px;">$ </div><div id="a2478" style="position:absolute;font-weight:bold;left:256.6px;top:204.6px;">83,029 </div><div id="a2481" style="position:absolute;left:305.173px;top:204.6px;">$ </div><div id="a2483" style="position:absolute;left:322.773px;top:204.6px;">83,832 </div><div id="a2486" style="position:absolute;left:371.307px;top:204.6px;">$ </div><div id="a2488" style="position:absolute;left:388.667px;top:204.6px;">87,482 </div><div id="a2491" style="position:absolute;left:446.267px;top:204.6px;">$ </div><div id="a2493" style="position:absolute;left:475.867px;top:204.6px;">74,142 </div><div id="a2496" style="position:absolute;left:524.44px;top:204.6px;">$ </div><div id="a2498" style="position:absolute;left:553.76px;top:204.6px;">74,910 </div><div id="a2501" style="position:absolute;font-weight:bold;left:620.467px;top:204.6px;">$ </div><div id="a2503" style="position:absolute;font-weight:bold;left:643.667px;top:204.6px;">254,343 </div><div id="a2506" style="position:absolute;left:713.293px;top:204.6px;">$ </div><div id="a2508" style="position:absolute;left:736.773px;top:204.6px;">220,583 </div><div id="a2511" style="position:absolute;left:19.2px;top:219.6px;"><div style="display:inline-block;width:11.73px">&#160;</div>PCD loans </div><div id="a2517" style="position:absolute;font-weight:bold;left:256.6px;top:219.6px;">29,018 </div><div id="a2519" style="position:absolute;font-size:8px;font-weight:bold;left:294.227px;top:222.6px;">(a) </div><div id="a2522" style="position:absolute;left:322.773px;top:219.6px;">34,700 </div><div id="a2524" style="position:absolute;font-size:8px;left:360.36px;top:222.6px;">(a) </div><div id="a2527" style="position:absolute;left:388.667px;top:219.6px;">28,953 </div><div id="a2531" style="position:absolute;left:475.867px;top:219.6px;">10,762 </div><div id="a2535" style="position:absolute;left:553.76px;top:219.6px;">10,862 </div><div id="a2539" style="position:absolute;font-weight:bold;left:649.8px;top:219.6px;">92,671 </div><div id="a2541" style="position:absolute;font-size:8px;font-weight:bold;left:694.893px;top:222.6px;">(a) </div><div id="a2544" style="position:absolute;left:742.893px;top:219.6px;">34,388 </div><div id="a2547" style="position:absolute;left:19.2px;top:250.2px;"><div style="display:inline-block;width:32.53px">&#160;</div>Total interest income from loans<div style="display:inline-block;width:4.15px">&#160;</div></div><div id="a2553" style="position:absolute;font-weight:bold;left:250.467px;top:250.2px;">112,047 </div><div id="a2557" style="position:absolute;left:316.627px;top:250.2px;">118,532 </div><div id="a2561" style="position:absolute;left:382.533px;top:250.2px;">116,435 </div><div id="a2565" style="position:absolute;left:475.867px;top:250.2px;">84,904 </div><div id="a2569" style="position:absolute;left:553.76px;top:250.2px;">85,772 </div><div id="a2573" style="position:absolute;font-weight:bold;left:643.667px;top:250.2px;">347,014 </div><div id="a2577" style="position:absolute;left:736.773px;top:250.2px;">254,971 </div><div id="a2580" style="position:absolute;left:19.2px;top:265.2px;">Investment securities </div><div id="a2585" style="position:absolute;font-weight:bold;left:262.467px;top:265.2px;">2,890 </div><div id="a2589" style="position:absolute;left:328.627px;top:265.2px;">3,160 </div><div id="a2593" style="position:absolute;left:394.533px;top:265.2px;">7,262 </div><div id="a2597" style="position:absolute;left:481.76px;top:265.2px;">6,271 </div><div id="a2601" style="position:absolute;left:559.64px;top:265.2px;">7,883 </div><div id="a2605" style="position:absolute;font-weight:bold;left:649.8px;top:265.2px;">13,312 </div><div id="a2609" style="position:absolute;left:742.893px;top:265.2px;">27,649 </div><div id="a2612" style="position:absolute;left:19.2px;top:280.9px;"><div style="display:inline-block;width:32.53px">&#160;</div>Total interest income<div style="display:inline-block;width:4.34px">&#160;</div></div><div id="a2618" style="position:absolute;font-weight:bold;left:250.467px;top:280.9px;">114,937 </div><div id="a2622" style="position:absolute;left:316.627px;top:280.9px;">121,692 </div><div id="a2626" style="position:absolute;left:382.533px;top:280.9px;">123,697 </div><div id="a2628" style="position:absolute;font-size:8px;left:430.8px;top:283.9px;">(d) </div><div id="a2631" style="position:absolute;left:475.867px;top:280.9px;">91,175 </div><div id="a2635" style="position:absolute;left:553.76px;top:280.9px;">93,655 </div><div id="a2639" style="position:absolute;font-weight:bold;left:643.667px;top:280.9px;">360,326 </div><div id="a2641" style="position:absolute;font-size:8px;font-weight:bold;left:694.64px;top:283.9px;">(d) </div><div id="a2644" style="position:absolute;left:736.773px;top:280.9px;">282,620 </div><div id="a2647" style="position:absolute;font-weight:bold;left:19.2px;top:296.6px;">Interest expense: </div><div id="a2672" style="position:absolute;left:19.2px;top:311.6px;">Deposits </div><div id="a2697" style="position:absolute;left:19.2px;top:326.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>Core deposits </div><div id="a2703" style="position:absolute;font-weight:bold;left:256.6px;top:326.5px;">13,808 </div><div id="a2707" style="position:absolute;left:322.773px;top:326.5px;">13,999 </div><div id="a2711" style="position:absolute;left:388.667px;top:326.5px;">15,034 </div><div id="a2715" style="position:absolute;left:481.76px;top:326.5px;">7,957 </div><div id="a2719" style="position:absolute;left:559.64px;top:326.5px;">8,256 </div><div id="a2723" style="position:absolute;font-weight:bold;left:649.8px;top:326.5px;">42,841 </div><div id="a2727" style="position:absolute;left:742.893px;top:326.5px;">21,934 </div><div id="a2730" style="position:absolute;left:19.2px;top:341.7px;"><div style="display:inline-block;width:11.73px">&#160;</div>Brokered deposits </div><div id="a2736" style="position:absolute;font-weight:bold;left:271.307px;top:341.7px;">812 </div><div id="a2740" style="position:absolute;left:328.627px;top:341.7px;">1,446 </div><div id="a2744" style="position:absolute;left:394.533px;top:341.7px;">1,586 </div><div id="a2748" style="position:absolute;left:481.76px;top:341.7px;">1,804 </div><div id="a2752" style="position:absolute;left:559.64px;top:341.7px;">2,298 </div><div id="a2756" style="position:absolute;font-weight:bold;left:655.667px;top:341.7px;">3,844 </div><div id="a2760" style="position:absolute;left:748.773px;top:341.7px;">7,660 </div><div id="a2763" style="position:absolute;left:19.2px;top:357.2px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total deposits </div><div id="a2769" style="position:absolute;font-weight:bold;left:256.6px;top:357.2px;">14,620 </div><div id="a2773" style="position:absolute;left:322.773px;top:357.2px;">15,445 </div><div id="a2777" style="position:absolute;left:388.667px;top:357.2px;">16,620 </div><div id="a2779" style="position:absolute;font-size:8px;left:430.8px;top:360.2px;">(d) </div><div id="a2782" style="position:absolute;left:481.76px;top:357.2px;">9,761 </div><div id="a2786" style="position:absolute;left:553.76px;top:357.2px;">10,554 </div><div id="a2790" style="position:absolute;font-weight:bold;left:649.8px;top:357.2px;">46,685 </div><div id="a2792" style="position:absolute;font-size:8px;font-weight:bold;left:694.64px;top:360.2px;">(d) </div><div id="a2795" style="position:absolute;left:742.893px;top:357.2px;">29,594 </div><div id="a2798" style="position:absolute;left:19.2px;top:372.4px;">Borrowings </div><div id="a2803" style="position:absolute;font-weight:bold;left:271.307px;top:372.4px;">784 </div><div id="a2807" style="position:absolute;left:328.627px;top:372.4px;">1,187 </div><div id="a2811" style="position:absolute;left:394.533px;top:372.4px;">1,976 </div><div id="a2815" style="position:absolute;left:481.76px;top:372.4px;">2,205 </div><div id="a2819" style="position:absolute;left:559.64px;top:372.4px;">2,391 </div><div id="a2823" style="position:absolute;font-weight:bold;left:655.667px;top:372.4px;">3,947 </div><div id="a2827" style="position:absolute;left:748.773px;top:372.4px;">9,442 </div><div id="a2830" style="position:absolute;left:19.2px;top:387.9px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total interest expense </div><div id="a2836" style="position:absolute;font-weight:bold;left:256.6px;top:387.9px;">15,404 </div><div id="a2840" style="position:absolute;left:322.773px;top:387.9px;">16,632 </div><div id="a2844" style="position:absolute;left:388.667px;top:387.9px;">18,596 </div><div id="a2848" style="position:absolute;left:475.867px;top:387.9px;">11,966 </div><div id="a2852" style="position:absolute;left:553.76px;top:387.9px;">12,945 </div><div id="a2856" style="position:absolute;font-weight:bold;left:649.8px;top:387.9px;">50,632 </div><div id="a2860" style="position:absolute;left:742.893px;top:387.9px;">39,036 </div><div id="a2863" style="position:absolute;left:19.2px;top:403.6px;">Net interest income </div><div id="a2868" style="position:absolute;font-weight:bold;left:256.6px;top:403.6px;">99,533 </div><div id="a2873" style="position:absolute;left:316.627px;top:403.6px;">105,060 </div><div id="a2877" style="position:absolute;left:382.533px;top:403.6px;">105,101 </div><div id="a2881" style="position:absolute;left:475.867px;top:403.6px;">79,209 </div><div id="a2885" style="position:absolute;left:553.76px;top:403.6px;">80,710 </div><div id="a2889" style="position:absolute;font-weight:bold;left:643.667px;top:403.6px;">309,694 </div><div id="a2893" style="position:absolute;left:736.773px;top:403.6px;">243,584 </div><div id="a2896" style="position:absolute;left:19.2px;top:421.5px;">Provision for credit losses, excluding </div><div id="a2897" style="position:absolute;left:19.2px;top:433.7px;">PCD loans </div><div id="a2899" style="position:absolute;font-size:8px;left:211.267px;top:436.5px;">(1) </div><div id="a2903" style="position:absolute;font-weight:bold;left:256.6px;top:433.7px;">13,845 </div><div id="a2907" style="position:absolute;left:322.773px;top:433.7px;">15,227 </div><div id="a2911" style="position:absolute;left:388.667px;top:433.7px;">40,951 </div><div id="a2915" style="position:absolute;left:475.867px;top:433.7px;">18,859 </div><div id="a2919" style="position:absolute;left:553.76px;top:433.7px;">23,427 </div><div id="a2923" style="position:absolute;font-weight:bold;left:649.8px;top:433.7px;">70,023 </div><div id="a2927" style="position:absolute;left:742.893px;top:433.7px;">43,675 </div><div id="a2930" 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style="position:absolute;left:19.2px;top:494.3px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total provision for credit losses </div><div id="a2972" style="position:absolute;font-weight:bold;left:256.6px;top:494.3px;">13,669 </div><div id="a2974" style="position:absolute;font-size:8px;font-weight:bold;left:294.227px;top:497.3px;">(c) </div><div id="a2977" style="position:absolute;left:322.773px;top:494.3px;">17,696 </div><div id="a2979" style="position:absolute;font-size:8px;left:360.64px;top:497.3px;">(c) </div><div id="a2982" style="position:absolute;left:388.667px;top:494.3px;">47,131 </div><div id="a2984" style="position:absolute;font-size:8px;left:426px;top:497.3px;">(c)(d) </div><div id="a2987" style="position:absolute;left:475.867px;top:494.3px;">23,068 </div><div id="a2991" style="position:absolute;left:553.76px;top:494.3px;">43,770 </div><div id="a2993" style="position:absolute;font-size:8px;left:591.667px;top:497.3px;">(f)(g)(h) </div><div id="a2996" style="position:absolute;font-weight:bold;left:649.8px;top:494.3px;">78,496 </div><div id="a2998" style="position:absolute;font-size:8px;font-weight:bold;left:689.8px;top:497.3px;">(c)(d) </div><div id="a3001" style="position:absolute;left:742.893px;top:494.3px;">73,724 </div><div id="a3003" style="position:absolute;font-size:8px;left:780.773px;top:497.3px;">(f)(g)(h) </div><div id="a3005" style="position:absolute;left:19.2px;top:512.7px;"><div style="display:inline-block;width:32.27px">&#160;</div>Net interest income after </div><div id="a3008" style="position:absolute;left:19.2px;top:525px;">provision for loan and lease losses<div style="display:inline-block;width:3.08px">&#160;</div></div><div id="a3013" style="position:absolute;font-weight:bold;left:256.6px;top:525px;">85,864 </div><div id="a3017" style="position:absolute;left:322.773px;top:525px;">87,364 </div><div id="a3021" style="position:absolute;left:388.667px;top:525px;">57,970 </div><div id="a3025" style="position:absolute;left:475.867px;top:525px;">56,141 </div><div id="a3029" style="position:absolute;left:553.76px;top:525px;">36,940 </div><div id="a3033" style="position:absolute;font-weight:bold;left:643.667px;top:525px;">231,198 </div><div id="a3037" style="position:absolute;left:736.773px;top:525px;">169,860 </div><div id="a3040" style="position:absolute;font-weight:bold;left:19.2px;top:540.7px;">Non-interest income: </div><div id="a3067" style="position:absolute;left:19.2px;top:555.6px;">Banking service revenues </div><div id="a3072" style="position:absolute;font-weight:bold;left:256.6px;top:555.6px;">16,297 </div><div id="a3076" style="position:absolute;left:322.773px;top:555.6px;">13,668 </div><div id="a3080" style="position:absolute;left:388.667px;top:555.6px;">15,713 </div><div id="a3084" style="position:absolute;left:475.867px;top:555.6px;">10,812 </div><div id="a3088" style="position:absolute;left:553.76px;top:555.6px;">10,813 </div><div id="a3092" style="position:absolute;font-weight:bold;left:649.8px;top:555.6px;">45,678 </div><div id="a3096" style="position:absolute;left:742.893px;top:555.6px;">32,054 </div><div id="a3099" style="position:absolute;left:19.2px;top:570.6px;">Wealth management revenues </div><div id="a3104" style="position:absolute;font-weight:bold;left:262.467px;top:570.6px;">7,272 </div><div id="a3108" style="position:absolute;left:328.627px;top:570.6px;">6,366 </div><div id="a3112" style="position:absolute;left:394.533px;top:570.6px;">7,286 </div><div id="a3116" style="position:absolute;left:481.76px;top:570.6px;">7,062 </div><div id="a3120" style="position:absolute;left:559.64px;top:570.6px;">6,611 </div><div id="a3124" style="position:absolute;font-weight:bold;left:649.8px;top:570.6px;">20,924 </div><div id="a3128" style="position:absolute;left:742.893px;top:570.6px;">19,162 </div><div id="a3131" style="position:absolute;left:19.2px;top:585.8px;">Mortgage banking activities </div><div id="a3136" style="position:absolute;font-weight:bold;left:262.467px;top:585.8px;">3,917 </div><div id="a3140" style="position:absolute;left:328.627px;top:585.8px;">3,072 </div><div id="a3144" style="position:absolute;left:394.533px;top:585.8px;">3,234 </div><div id="a3148" style="position:absolute;left:481.76px;top:585.8px;">1,322 </div><div id="a3152" style="position:absolute;left:559.64px;top:585.8px;">1,118 </div><div id="a3156" style="position:absolute;font-weight:bold;left:649.8px;top:585.8px;">10,223 </div><div id="a3160" style="position:absolute;left:748.773px;top:585.8px;">2,953 </div><div id="a3163" style="position:absolute;left:19.2px;top:604.2px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total banking and financial </div><div id="a3165" style="position:absolute;left:19.2px;top:616.4px;">service revenues </div><div id="a3170" style="position:absolute;font-weight:bold;left:256.6px;top:616.4px;">27,486 </div><div id="a3174" style="position:absolute;left:322.773px;top:616.4px;">23,106 </div><div id="a3178" style="position:absolute;left:388.667px;top:616.4px;">26,233 </div><div id="a3180" style="position:absolute;font-size:8px;left:430.8px;top:619.2px;">(d) </div><div id="a3183" style="position:absolute;left:475.867px;top:616.4px;">19,196 </div><div id="a3187" style="position:absolute;left:553.76px;top:616.4px;">18,542 </div><div id="a3191" style="position:absolute;font-weight:bold;left:649.8px;top:616.4px;">76,825 </div><div id="a3193" style="position:absolute;font-size:8px;font-weight:bold;left:694.64px;top:619.2px;">(d) </div><div id="a3196" style="position:absolute;left:742.893px;top:616.4px;">54,169 </div><div id="a3199" style="position:absolute;left:19.2px;top:634.1px;">Bargain purchase from Scotiabank PR &amp; </div><div id="a3200" style="position:absolute;left:19.2px;top:646.3px;">USVI acquisition </div><div id="a3205" style="position:absolute;font-weight:bold;left:262.467px;top:646.3px;">3,465 </div><div id="a3208" style="position:absolute;font-size:8px;font-weight:bold;left:293.973px;top:649.3px;">(b)<div style="display:inline-block;width:2.32px">&#160;</div></div><div id="a3211" style="position:absolute;left:328.627px;top:646.3px;">3,462 </div><div id="a3213" style="position:absolute;font-size:8px;left:359.307px;top:649.3px;"><div style="display:inline-block;width:2.12px">&#160;</div>(b)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a3217" style="position:absolute;left:403.333px;top:646.3px;">409 </div><div id="a3221" style="position:absolute;left:490.56px;top:646.3px;">315 </div><div id="a3225" style="position:absolute;left:582.84px;top:646.3px;">- </div><div id="a3229" style="position:absolute;font-weight:bold;left:655.667px;top:646.3px;">7,336 </div><div id="a3231" style="position:absolute;font-size:8px;font-weight:bold;left:693.533px;top:649.3px;"><div style="display:inline-block;width:2.16px">&#160;</div>(b)<div style="display:inline-block;width:2.32px">&#160;</div></div><div id="a3235" style="position:absolute;font-weight:bold;left:771.973px;top:646.3px;">- </div><div id="a3238" style="position:absolute;left:19.2px;top:661.3px;">Other income, net </div><div id="a3243" style="position:absolute;font-weight:bold;left:271.307px;top:661.3px;">375 </div><div id="a3247" style="position:absolute;left:337.44px;top:661.3px;">584 </div><div id="a3251" style="position:absolute;left:394.533px;top:661.3px;">4,808 </div><div id="a3253" style="position:absolute;font-size:8px;left:430.8px;top:664.3px;">(e) </div><div id="a3256" style="position:absolute;left:490.56px;top:661.3px;">200 </div><div id="a3260" style="position:absolute;left:559.64px;top:661.3px;">3,636 </div><div id="a3262" style="position:absolute;font-size:8px;left:600.467px;top:664.3px;">(e) </div><div id="a3265" style="position:absolute;font-weight:bold;left:655.667px;top:661.3px;">5,767 </div><div id="a3267" style="position:absolute;font-size:8px;font-weight:bold;left:694.893px;top:664.3px;">(e) </div><div id="a3270" style="position:absolute;left:748.773px;top:661.3px;">8,613 </div><div id="a3272" style="position:absolute;font-size:8px;left:789.573px;top:664.3px;">(e) </div><div id="a3274" style="position:absolute;left:19.2px;top:677px;"><div style="display:inline-block;width:32.53px">&#160;</div>Total non-interest income, net<div style="display:inline-block;width:4.41px">&#160;</div></div><div id="a3282" style="position:absolute;font-weight:bold;left:256.6px;top:677px;">31,326 </div><div id="a3286" style="position:absolute;left:322.773px;top:677px;">27,152 </div><div id="a3290" style="position:absolute;left:388.667px;top:677px;">31,450 </div><div id="a3294" style="position:absolute;left:475.867px;top:677px;">19,711 </div><div id="a3298" style="position:absolute;left:553.76px;top:677px;">22,178 </div><div id="a3302" style="position:absolute;font-weight:bold;left:649.8px;top:677px;">89,928 </div><div id="a3306" style="position:absolute;left:742.893px;top:677px;">62,782 </div><div id="a3309" style="position:absolute;font-weight:bold;left:19.2px;top:692.7px;">Non-interest expense: </div><div id="a3336" style="position:absolute;left:19.2px;top:707.7px;">Compensation and employee benefits </div><div id="a3341" style="position:absolute;font-weight:bold;left:256.6px;top:707.7px;">31,955 </div><div id="a3345" style="position:absolute;left:322.773px;top:707.7px;">34,506 </div><div id="a3349" style="position:absolute;left:388.667px;top:707.7px;">35,544 </div><div id="a3353" style="position:absolute;left:475.867px;top:707.7px;">21,817 </div><div id="a3357" style="position:absolute;left:553.76px;top:707.7px;">20,500 </div><div id="a3361" style="position:absolute;font-weight:bold;left:643.667px;top:707.7px;">102,005 </div><div id="a3365" style="position:absolute;left:742.893px;top:707.7px;">60,716 </div><div id="a3368" style="position:absolute;left:19.2px;top:725.5px;">Occupancy, equipment and </div><div id="a3369" style="position:absolute;left:19.2px;top:737.8px;">infrastructure costs </div><div id="a3375" style="position:absolute;font-weight:bold;left:256.6px;top:737.8px;">11,943 </div><div id="a3379" style="position:absolute;left:322.773px;top:737.8px;">11,837 </div><div id="a3383" style="position:absolute;left:388.667px;top:737.8px;">11,439 </div><div id="a3387" style="position:absolute;left:481.76px;top:737.8px;">7,488 </div><div id="a3391" style="position:absolute;left:559.64px;top:737.8px;">7,307 </div><div id="a3395" style="position:absolute;font-weight:bold;left:649.8px;top:737.8px;">35,219 </div><div id="a3399" style="position:absolute;left:742.893px;top:737.8px;">22,564 </div><div id="a3402" style="position:absolute;left:19.2px;top:752.7px;">General and administrative expenses </div><div id="a3407" style="position:absolute;font-weight:bold;left:256.6px;top:752.7px;">33,452 </div><div id="a3411" style="position:absolute;left:322.773px;top:752.7px;">31,206 </div><div id="a3415" style="position:absolute;left:388.667px;top:752.7px;">37,345 </div><div id="a3419" style="position:absolute;left:475.867px;top:752.7px;">25,451 </div><div id="a3423" style="position:absolute;left:553.76px;top:752.7px;">18,475 </div><div id="a3427" style="position:absolute;font-weight:bold;left:643.667px;top:752.7px;">102,003 </div><div id="a3431" style="position:absolute;left:742.893px;top:752.7px;">59,656 </div><div id="a3434" style="position:absolute;left:19.2px;top:773.6px;">Net (gain) loss on sale of foreclosed real </div><div id="a3435" style="position:absolute;left:19.2px;top:785.8px;">estate and other repossessed assets </div><div id="a3441" style="position:absolute;font-weight:bold;left:268.373px;top:785.8px;">(866) </div><div id="a3445" style="position:absolute;left:337.44px;top:785.8px;">316 </div><div id="a3449" style="position:absolute;left:400.4px;top:785.8px;">(193) </div><div id="a3453" style="position:absolute;left:490.56px;top:785.8px;">541 </div><div id="a3457" style="position:absolute;left:568.44px;top:785.8px;">794 </div><div id="a3461" style="position:absolute;font-weight:bold;left:661.533px;top:785.8px;">(743) </div><div id="a3465" style="position:absolute;left:748.773px;top:785.8px;">1,885 </div><div id="a3468" style="position:absolute;left:19.2px;top:800.8px;">Credit related expenses </div><div id="a3473" style="position:absolute;font-weight:bold;left:262.467px;top:800.8px;">2,189 </div><div id="a3477" style="position:absolute;left:328.627px;top:800.8px;">2,602 </div><div id="a3481" style="position:absolute;left:394.533px;top:800.8px;">2,715 </div><div id="a3485" style="position:absolute;left:481.76px;top:800.8px;">2,118 </div><div id="a3489" style="position:absolute;left:559.64px;top:800.8px;">2,095 </div><div id="a3493" style="position:absolute;font-weight:bold;left:655.667px;top:800.8px;">7,506 </div><div id="a3497" style="position:absolute;left:748.773px;top:800.8px;">6,954 </div><div id="a3500" style="position:absolute;left:19.2px;top:815.7px;">Merger and restructuring charges </div><div id="a3505" style="position:absolute;font-weight:bold;left:262.467px;top:815.7px;">2,681 </div><div id="a3507" style="position:absolute;font-size:8px;font-weight:bold;left:293.973px;top:818.7px;">(d) </div><div id="a3510" style="position:absolute;left:328.627px;top:815.7px;">3,006 </div><div id="a3512" style="position:absolute;font-size:8px;left:360.36px;top:818.7px;">(d) </div><div id="a3515" style="position:absolute;left:403.333px;top:815.7px;">304 </div><div id="a3519" style="position:absolute;left:475.867px;top:815.7px;">21,498 </div><div id="a3521" style="position:absolute;font-size:8px;left:513.507px;top:818.7px;">(d) </div><div id="a3524" style="position:absolute;left:559.64px;top:815.7px;">1,556 </div><div id="a3528" style="position:absolute;font-weight:bold;left:655.667px;top:815.7px;">5,991 </div><div id="a3530" style="position:absolute;font-size:8px;font-weight:bold;left:694.64px;top:818.7px;">(d) </div><div id="a3533" style="position:absolute;left:748.773px;top:815.7px;">2,556 </div><div id="a3536" style="position:absolute;left:19.2px;top:830.6px;">COVID 19 expenses </div><div id="a3541" style="position:absolute;font-weight:bold;left:262.467px;top:830.6px;">2,090 </div><div id="a3545" style="position:absolute;left:328.627px;top:830.6px;">2,008 </div><div id="a3549" style="position:absolute;left:403.333px;top:830.6px;">168 </div><div id="a3553" style="position:absolute;left:504.973px;top:830.6px;">- </div><div id="a3557" style="position:absolute;left:582.84px;top:830.6px;">- </div><div id="a3561" style="position:absolute;font-weight:bold;left:655.667px;top:830.6px;">4,266 </div><div id="a3565" style="position:absolute;left:771.973px;top:830.6px;">- </div><div id="a3568" style="position:absolute;left:19.2px;top:846.4px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total non-interest expense </div><div id="a3576" style="position:absolute;font-weight:bold;left:256.6px;top:846.4px;">83,444 </div><div id="a3580" style="position:absolute;left:322.773px;top:846.4px;">85,481 </div><div id="a3584" style="position:absolute;left:388.667px;top:846.4px;">87,322 </div><div id="a3586" style="position:absolute;font-size:8px;left:430.8px;top:849.4px;">(d) </div><div id="a3589" style="position:absolute;left:475.867px;top:846.4px;">78,913 </div><div id="a3593" style="position:absolute;left:553.76px;top:846.4px;">50,727 </div><div id="a3597" style="position:absolute;font-weight:bold;left:643.667px;top:846.4px;">256,247 </div><div id="a3599" style="position:absolute;font-size:8px;font-weight:bold;left:694.64px;top:849.4px;">(d) </div><div id="a3602" style="position:absolute;left:736.773px;top:846.4px;">154,331 </div><div id="a3605" style="position:absolute;left:19.2px;top:862.1px;">Income (loss) before income taxes </div><div id="a3611" style="position:absolute;font-weight:bold;left:256.6px;top:862.1px;">33,746 </div><div id="a3615" style="position:absolute;left:322.773px;top:862.1px;">29,035 </div><div id="a3619" style="position:absolute;left:394.533px;top:862.1px;">2,098 </div><div id="a3623" style="position:absolute;left:478.533px;top:862.1px;">(3,061) </div><div id="a3627" style="position:absolute;left:559.64px;top:862.1px;">8,391 </div><div id="a3631" style="position:absolute;font-weight:bold;left:649.8px;top:862.1px;">64,879 </div><div id="a3635" style="position:absolute;left:742.893px;top:862.1px;">78,311 </div><div id="a3638" style="position:absolute;left:19.2px;top:877px;">Income tax expense (benefit) </div><div id="a3643" style="position:absolute;font-weight:bold;left:262.467px;top:877px;">6,308 </div><div id="a3647" style="position:absolute;left:328.627px;top:877px;">7,248 </div><div id="a3651" style="position:absolute;left:403.333px;top:877px;">297 </div><div id="a3655" style="position:absolute;left:478.533px;top:877px;">(2,070) </div><div id="a3659" style="position:absolute;left:559.64px;top:877px;">1,008 </div><div id="a3663" style="position:absolute;font-weight:bold;left:649.8px;top:877px;">13,853 </div><div id="a3667" style="position:absolute;left:742.893px;top:877px;">23,479 </div><div id="a3670" style="position:absolute;font-weight:bold;left:19.2px;top:892.8px;">Net income (loss) </div><div id="a3675" style="position:absolute;font-weight:bold;left:256.6px;top:892.8px;">27,438 </div><div id="a3679" style="position:absolute;left:322.773px;top:892.8px;">21,787 </div><div id="a3683" style="position:absolute;left:394.533px;top:892.8px;">1,801 </div><div id="a3687" style="position:absolute;left:487.64px;top:892.8px;">(991) </div><div id="a3691" style="position:absolute;left:559.64px;top:892.8px;">7,383 </div><div id="a3695" style="position:absolute;left:649.8px;top:892.8px;">51,026 </div><div id="a3699" style="position:absolute;left:742.893px;top:892.8px;">54,832 </div><div id="a3702" style="position:absolute;left:19.2px;top:907.7px;">Less:<div style="display:inline-block;width:5.71px">&#160;</div>dividends on preferred stock </div><div id="a3707" style="position:absolute;font-weight:bold;left:259.267px;top:907.7px;">(1,628) </div><div id="a3711" style="position:absolute;left:325.44px;top:907.7px;">(1,628) </div><div id="a3715" style="position:absolute;left:391.333px;top:907.7px;">(1,628) </div><div id="a3719" style="position:absolute;left:478.533px;top:907.7px;">(1,628) </div><div id="a3723" style="position:absolute;left:556.44px;top:907.7px;">(1,628) </div><div id="a3727" style="position:absolute;font-weight:bold;left:652.467px;top:907.7px;">(4,884) </div><div id="a3731" style="position:absolute;left:745.56px;top:907.7px;">(4,884) </div><div id="a3734" style="position:absolute;font-weight:bold;left:19.2px;top:927.2px;">Net income (loss) available to </div><div id="a3735" style="position:absolute;font-weight:bold;left:19.2px;top:939.5px;">common shareholders </div><div id="a3739" style="position:absolute;font-weight:bold;left:227.267px;top:939.5px;">$ </div><div id="a3741" style="position:absolute;font-weight:bold;left:256.6px;top:939.5px;">25,810 </div><div id="a3744" style="position:absolute;left:305.173px;top:939.5px;">$ </div><div id="a3746" style="position:absolute;left:322.773px;top:939.5px;">20,159 </div><div id="a3750" style="position:absolute;left:371.307px;top:939.5px;">$ </div><div id="a3752" style="position:absolute;left:403.333px;top:939.5px;">173 </div><div id="a3755" style="position:absolute;left:446.267px;top:939.5px;">$ </div><div id="a3757" style="position:absolute;left:478.533px;top:939.5px;">(2,619) </div><div id="a3760" style="position:absolute;left:524.44px;top:939.5px;">$ </div><div id="a3762" style="position:absolute;left:559.64px;top:939.5px;">5,755 </div><div id="a3765" style="position:absolute;font-weight:bold;left:620.467px;top:939.5px;">$ </div><div id="a3767" style="position:absolute;font-weight:bold;left:649.8px;top:939.5px;">46,142 </div><div id="a3770" style="position:absolute;left:713.293px;top:939.5px;">$ </div><div id="a3772" style="position:absolute;left:742.893px;top:939.5px;">49,948 </div><div id="a3799" style="position:absolute;font-size:9.333px;left:19.2px;top:966.6px;">(a) During 2Q 2020 and 3Q 2020, the Company recognized interest recoveries on SOP loans acquired in the Scotiabank PR &amp; USVI acquisition collected subsequently to the </div><div id="a3801" style="position:absolute;font-size:9.333px;left:19.2px;top:977.2px;">acquisition date amounting to $6.0 million and $469 thousand, respectively. </div></div>
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<div id="a3804" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a3806" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a3808" style="position:absolute;font-size:9.333px;left:19.2px;top:63.4px;">(b) During 2Q 2020, the Company increased the Bargain purchase from Scotiabank PR &amp; USVI acquisition by $3.5 million to adjust the fair value of accrued interest receivable in Day </div><div id="a3810" style="position:absolute;font-size:9.333px;left:19.2px;top:74.4px;">1, net of taxes. During 3Q 2020, the Company increased the Bargain purchase from Scotiabank PR &amp; USVI acquisition by $3.5 million to adjust the deferred tax asset in Day 1. </div><div id="a3815" style="position:absolute;font-size:9.333px;left:19.2px;top:85px;">(c) In March 2020, a global pandemic was declared by the World Health Organization related to the rapidly growing outbreak of a novel strain of coronavirus (COVID-19). The pandemic </div><div id="a3820" style="position:absolute;font-size:9.333px;left:19.2px;top:95.7px;">significantly impacted the economic conditions in P.R.<div style="display:inline-block;width:4.03px">&#160;</div>and the U.S., creating significant uncertainties. In response, we increased our provision for credit losses on loans in 1Q 2020 and </div><div id="a3823" style="position:absolute;font-size:9.333px;left:19.2px;top:106.4px;">2Q 2020 by $34.1 million and $5.0 million, respectively, and established a provision for credit losses on accrued interest receivables under deferral plans in 3Q 2020 of $826 thousand. </div><div id="a3828" style="position:absolute;font-size:9.333px;left:19.2px;top:117.3px;">(d) On December 31, 2019, the Company acquired Scotiabank&apos;s Puerto Rico and USVI operations, incurring in merger and restructuring charges of $21.5 million during 4Q 2019, $3.0 </div><div id="a3830" style="position:absolute;font-size:9.333px;left:19.2px;top:128px;">million during 2Q 2020, and $2.7 million during 3Q 2020. On December 31, 2019, the consolidated statement of financial condition contemplated the effects of the Scotiabank PR &amp; </div><div id="a3833" style="position:absolute;font-size:9.333px;left:19.2px;top:138.6px;">USVI acquisition. Nevertheless, the consolidated statement of operations did not contemplate the effects of the Scotiabank PR &amp; USVI acquisition until January 1, 2020. </div><div id="a3837" style="position:absolute;font-size:9.333px;left:19.2px;top:149.3px;">(e) During 1Q 2020, 2Q 2019 and 3Q 2019, the Company sold $316 million, $350 million and $322 million available-for-sale mortgage-backed securities, respectively, and recognized a </div><div id="a3845" style="position:absolute;font-size:9.333px;left:19.2px;top:160.2px;">gain in the sale of $4.7 million, $4.8 million and $3.5 million. </div><div id="a3848" style="position:absolute;font-size:9.333px;left:19.2px;top:172.2px;">(f) During 3Q 2019, the Company received $2.4 million proceeds from the sale of fully charged-off originated auto and consumer loans. </div><div id="a3853" style="position:absolute;font-size:9.333px;left:19.2px;top:182.9px;">(g) During 3Q 2019, the Company decided to sell mostly non-performing loans, increasing the provision by $37.2 million. Originated loans that were transferred to held-for-sale </div><div id="a3861" style="position:absolute;font-size:9.333px;left:19.2px;top:193.6px;">amounted to $25.3 million at September 30, 2019, the remaining were purchased credit impaired loans. Loans were sold during 4Q 2019, with an additional increase in the provision of </div><div id="a3863" style="position:absolute;font-size:9.333px;left:19.2px;top:204.3px;">$6.6 million. </div><div id="a3866" style="position:absolute;font-size:9.333px;left:19.2px;top:215.2px;">(h) During 2Q 2019, the Company decided to sell mostly non-performing mortgage loans increasing the provision by $8.8 million. Most of these loans were sold in 3Q 2019, increasing </div><div id="a3870" style="position:absolute;font-size:9.333px;left:19.2px;top:225.9px;">the provision by an additional $1.8 million. </div><div id="a3897" style="position:absolute;left:411.333px;top:250.5px;">3 </div></div>
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<div style="position:absolute; width:76px; height:1.3px; left:451.6px; top:128.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:83.8px; height:1.3px; left:352.1px; top:128.3px; background-color:#000000;">&#160;</div>
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style="position:absolute;font-size:8px;font-weight:bold;left:438.267px;top:132.1px;">(b) </div><div id="a3972" style="position:absolute;left:454.267px;top:131.3px;">$ </div><div id="a3974" style="position:absolute;left:473.2px;top:131.3px;">1,900,037 </div><div id="a3976" style="position:absolute;font-size:8px;left:530.573px;top:132.1px;">(b) </div><div id="a3978" style="position:absolute;left:546.027px;top:131.3px;">$ </div><div id="a3980" style="position:absolute;left:564.173px;top:131.3px;">1,325,941 </div><div id="a3983" style="position:absolute;left:636.733px;top:131.3px;">$ </div><div id="a3985" style="position:absolute;left:664.467px;top:131.3px;">852,757 </div><div id="a3988" style="position:absolute;left:728.507px;top:131.3px;">$ </div><div id="a3990" style="position:absolute;left:756.227px;top:131.3px;">962,887 </div><div id="a3992" style="position:absolute;font-weight:bold;left:19.2px;top:146.5px;">Investments: </div><div id="a4010" style="position:absolute;left:19.2px;top:161.4px;">Trading securities </div><div id="a4016" style="position:absolute;font-weight:bold;left:417.2px;top:161.4px;">22 </div><div id="a4020" style="position:absolute;left:508.96px;top:161.4px;">22 </div><div id="a4024" style="position:absolute;left:599.933px;top:161.4px;">29 </div><div id="a4028" style="position:absolute;left:691.4px;top:161.4px;">37 </div><div id="a4032" style="position:absolute;left:783.173px;top:161.4px;">41 </div><div id="a4034" style="position:absolute;left:19.2px;top:177.1px;">Investment securities available-for-sale, at fair value,<div style="display:inline-block;width:3.17px">&#160;</div></div><div id="a4056" style="position:absolute;left:19.2px;top:192.1px;"><div style="display:inline-block;width:5.87px">&#160;</div>with amortized cost of $412,899 (June 30, 2020 - $529,985; </div><div id="a4079" style="position:absolute;left:19.2px;top:207px;"><div style="display:inline-block;width:5.87px">&#160;</div>March 31, 2020 - $648,565; December 31, 2019 - $1,074,474; </div><div id="a4104" style="position:absolute;left:19.2px;top:222px;"><div style="display:inline-block;width:5.87px">&#160;</div>September 30, 2019 - $520,960; no allowance for credit </div><div id="a4126" style="position:absolute;left:19.2px;top:237.2px;"><div style="display:inline-block;width:5.87px">&#160;</div>losses for any period) </div><div id="a4145" style="position:absolute;left:19.2px;top:252.1px;"><div style="display:inline-block;width:11.73px">&#160;</div>Mortgage-backed securities </div><div id="a4153" style="position:absolute;font-weight:bold;left:390.267px;top:252.1px;">329,719 </div><div id="a4157" style="position:absolute;left:482.027px;top:252.1px;">340,192 </div><div id="a4161" style="position:absolute;left:572.973px;top:252.1px;">355,637 </div><div id="a4165" style="position:absolute;left:664.467px;top:252.1px;">673,886 </div><div id="a4169" style="position:absolute;left:756.227px;top:252.1px;">505,102 </div><div id="a4171" style="position:absolute;left:19.2px;top:267px;"><div style="display:inline-block;width:11.73px">&#160;</div>US treasury notes </div><div id="a4177" style="position:absolute;font-weight:bold;left:396.4px;top:267px;">91,531 </div><div id="a4181" style="position:absolute;left:482.027px;top:267px;">197,340 </div><div id="a4185" style="position:absolute;left:572.973px;top:267px;">298,986 </div><div id="a4189" style="position:absolute;left:664.467px;top:267px;">397,183 </div><div id="a4193" style="position:absolute;left:762.373px;top:267px;">10,938 </div><div id="a4195" style="position:absolute;left:19.2px;top:282px;"><div style="display:inline-block;width:11.73px">&#160;</div>Other investment securities </div><div id="a4201" style="position:absolute;font-weight:bold;left:402.267px;top:282px;">2,565 </div><div id="a4205" style="position:absolute;left:494.027px;top:282px;">2,707 </div><div id="a4209" style="position:absolute;left:584.973px;top:282px;">2,837 </div><div id="a4213" style="position:absolute;left:676.467px;top:282px;">3,100 </div><div id="a4217" style="position:absolute;left:768.24px;top:282px;">3,055 </div><div id="a4219" style="position:absolute;left:19.2px;top:300.1px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total investment securities available-for-sale </div><div id="a4229" style="position:absolute;font-weight:bold;left:390.267px;top:300.1px;">423,815 </div><div id="a4233" style="position:absolute;left:482.027px;top:300.1px;">540,239 </div><div id="a4237" style="position:absolute;left:572.973px;top:300.1px;">657,460 </div><div id="a4240" style="position:absolute;font-size:8px;left:621.267px;top:303.9px;">(e)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4243" style="position:absolute;left:655.667px;top:300.1px;">1,074,169 </div><div id="a4246" style="position:absolute;font-size:8px;left:713.04px;top:303.9px;">(d)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4249" style="position:absolute;left:756.227px;top:300.1px;">519,095 </div><div id="a4251" style="position:absolute;left:19.2px;top:315px;">Federal Home Loan Bank (FHLB) stock, at cost </div><div id="a4256" style="position:absolute;font-weight:bold;left:402.267px;top:315px;">8,322 </div><div id="a4260" style="position:absolute;left:494.027px;top:315px;">8,366 </div><div id="a4264" style="position:absolute;left:579.107px;top:315px;">10,301 </div><div id="a4268" style="position:absolute;left:670.6px;top:315px;">13,048 </div><div id="a4272" style="position:absolute;left:762.373px;top:315px;">10,525 </div><div id="a4274" style="position:absolute;left:19.2px;top:330px;">Other investments </div><div id="a4279" style="position:absolute;font-weight:bold;left:402.267px;top:330px;">2,205 </div><div id="a4283" style="position:absolute;left:494.027px;top:330px;">1,076 </div><div id="a4287" style="position:absolute;left:593.8px;top:330px;">973 </div><div id="a4291" style="position:absolute;left:685.267px;top:330px;">560 </div><div id="a4295" style="position:absolute;left:783.173px;top:330px;">57 </div><div id="a4297" style="position:absolute;left:19.2px;top:345.2px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total investments<div style="display:inline-block;width:4.29px">&#160;</div></div><div id="a4303" style="position:absolute;font-weight:bold;left:390.267px;top:345.2px;">434,364 </div><div id="a4307" style="position:absolute;left:482.027px;top:345.2px;">549,703 </div><div id="a4311" style="position:absolute;left:572.973px;top:345.2px;">668,763 </div><div id="a4315" style="position:absolute;left:655.667px;top:345.2px;">1,087,814 </div><div id="a4319" style="position:absolute;left:756.227px;top:345.2px;">529,718 </div><div id="a4321" style="position:absolute;font-weight:bold;left:19.2px;top:365.2px;">Loans, net </div><div id="a4326" style="position:absolute;font-weight:bold;left:381.467px;top:365.2px;">6,579,140 </div><div id="a4329" style="position:absolute;font-size:8px;font-weight:bold;left:438.267px;top:367.4px;">(b)<div style="display:inline-block;width:2.32px">&#160;</div></div><div id="a4332" style="position:absolute;left:473.2px;top:365.2px;">6,739,243 </div><div id="a4335" style="position:absolute;font-size:8px;left:530.573px;top:367.4px;">(b)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4338" style="position:absolute;left:564.173px;top:365.2px;">6,541,174 </div><div id="a4341" style="position:absolute;font-size:8px;left:621.533px;top:367.4px;">(c)<div style="display:inline-block;width:2.14px">&#160;</div></div><div id="a4344" style="position:absolute;left:655.667px;top:365.2px;">6,641,847 </div><div id="a4347" style="position:absolute;font-size:8px;left:713.04px;top:367.4px;">(d)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4350" style="position:absolute;left:747.44px;top:365.2px;">4,407,190 </div><div id="a4352" style="position:absolute;font-weight:bold;left:19.2px;top:380.1px;">Other assets: </div><div id="a4370" style="position:absolute;left:19.2px;top:395.1px;">Prepaid expenses </div><div id="a4376" style="position:absolute;font-weight:bold;left:396.4px;top:395.1px;">51,915 </div><div id="a4380" style="position:absolute;left:488.173px;top:395.1px;">40,119 </div><div id="a4384" style="position:absolute;left:579.107px;top:395.1px;">44,633 </div><div id="a4388" style="position:absolute;left:670.6px;top:395.1px;">52,648 </div><div id="a4392" style="position:absolute;left:762.373px;top:395.1px;">14,244 </div><div id="a4394" style="position:absolute;left:19.2px;top:410px;">Deferred tax asset, net </div><div id="a4399" style="position:absolute;font-weight:bold;left:390.267px;top:410px;">178,957 </div><div id="a4403" style="position:absolute;left:482.027px;top:410px;">186,730 </div><div id="a4407" style="position:absolute;left:572.973px;top:410px;">196,129 </div><div id="a4409" style="position:absolute;font-size:8px;left:621.533px;top:410.1px;">(c) </div><div id="a4412" style="position:absolute;left:664.467px;top:410px;">176,740 </div><div id="a4416" style="position:absolute;left:756.227px;top:410px;">112,602 </div><div id="a4418" style="position:absolute;left:19.2px;top:425.2px;">Foreclosed real estate and repossessed properties </div><div id="a4423" style="position:absolute;font-weight:bold;left:396.4px;top:425.2px;">21,374 </div><div id="a4427" style="position:absolute;left:488.173px;top:425.2px;">26,152 </div><div id="a4431" style="position:absolute;left:579.107px;top:425.2px;">30,388 </div><div id="a4435" style="position:absolute;left:670.6px;top:425.2px;">33,236 </div><div id="a4439" style="position:absolute;left:762.373px;top:425.2px;">30,488 </div><div id="a4441" style="position:absolute;left:19.2px;top:440.1px;">Premises and equipment, net </div><div id="a4446" style="position:absolute;font-weight:bold;left:396.4px;top:440.1px;">83,270 </div><div id="a4450" style="position:absolute;left:488.173px;top:440.1px;">82,234 </div><div id="a4454" style="position:absolute;left:579.107px;top:440.1px;">81,834 </div><div id="a4458" style="position:absolute;left:670.6px;top:440.1px;">81,105 </div><div id="a4462" style="position:absolute;left:762.373px;top:440.1px;">69,754 </div><div id="a4464" style="position:absolute;left:19.2px;top:455.1px;">Goodwill </div><div id="a4469" style="position:absolute;font-weight:bold;left:396.4px;top:455.1px;">86,069 </div><div id="a4473" style="position:absolute;left:488.173px;top:455.1px;">86,069 </div><div id="a4477" style="position:absolute;left:579.107px;top:455.1px;">86,069 </div><div id="a4481" style="position:absolute;left:670.6px;top:455.1px;">86,069 </div><div id="a4485" style="position:absolute;left:762.373px;top:455.1px;">86,069 </div><div id="a4487" style="position:absolute;left:19.2px;top:470px;">Right of use assets </div><div id="a4492" style="position:absolute;font-weight:bold;left:396.4px;top:470px;">35,900 </div><div id="a4496" style="position:absolute;left:488.173px;top:470px;">34,692 </div><div id="a4500" style="position:absolute;left:579.107px;top:470px;">36,844 </div><div id="a4504" style="position:absolute;left:670.6px;top:470px;">39,112 </div><div id="a4508" style="position:absolute;left:762.373px;top:470px;">19,318 </div><div id="a4510" style="position:absolute;left:19.2px;top:485.2px;">Core deposit, customer relationship intangible and other intangibles </div><div id="a4515" style="position:absolute;font-weight:bold;left:396.4px;top:485.2px;">48,650 </div><div id="a4519" style="position:absolute;left:488.173px;top:485.2px;">51,406 </div><div id="a4523" style="position:absolute;left:579.107px;top:485.2px;">54,174 </div><div id="a4527" style="position:absolute;left:670.6px;top:485.2px;">56,965 </div><div id="a4531" style="position:absolute;left:768.24px;top:485.2px;">2,491 </div><div id="a4533" style="position:absolute;left:19.2px;top:500.2px;">Servicing asset </div><div id="a4538" style="position:absolute;font-weight:bold;left:396.4px;top:500.2px;">47,242 </div><div id="a4542" style="position:absolute;left:488.173px;top:500.2px;">47,926 </div><div id="a4546" style="position:absolute;left:579.107px;top:500.2px;">49,287 </div><div id="a4550" style="position:absolute;left:670.6px;top:500.2px;">50,779 </div><div id="a4554" style="position:absolute;left:762.373px;top:500.2px;">10,125 </div><div id="a4556" style="position:absolute;left:19.2px;top:518px;">Accounts receivable and other assets </div><div id="a4561" style="position:absolute;font-weight:bold;left:390.267px;top:518px;">166,392 </div><div id="a4565" style="position:absolute;left:482.027px;top:518px;">188,408 </div><div id="a4568" style="position:absolute;font-size:8px;left:530.573px;top:521.3px;">(a)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4571" style="position:absolute;left:572.973px;top:518px;">123,335 </div><div id="a4575" style="position:absolute;left:664.467px;top:518px;">138,589 </div><div id="a4579" style="position:absolute;left:762.373px;top:518px;">88,619 </div><div id="a4581" style="position:absolute;font-weight:bold;left:19.2px;top:534px;">Total assets </div><div id="a4585" style="position:absolute;font-weight:bold;left:354.507px;top:534px;">$ </div><div id="a4587" style="position:absolute;font-weight:bold;left:375.6px;top:534px;">10,016,323 </div><div id="a4590" style="position:absolute;left:454.267px;top:534px;">$ </div><div id="a4592" style="position:absolute;left:473.2px;top:534px;">9,932,719 </div><div id="a4595" style="position:absolute;left:546.027px;top:534px;">$ </div><div id="a4597" style="position:absolute;left:564.173px;top:534px;">9,238,571 </div><div id="a4600" style="position:absolute;left:636.733px;top:534px;">$ </div><div id="a4602" style="position:absolute;left:655.667px;top:534px;">9,297,661 </div><div id="a4605" style="position:absolute;left:728.507px;top:534px;">$ </div><div id="a4607" style="position:absolute;left:747.44px;top:534px;">6,333,505 </div><div id="a4626" style="position:absolute;font-weight:bold;left:19.2px;top:565.2px;">Deposits: </div><div id="a4644" style="position:absolute;left:19.2px;top:584.2px;">Demand deposits </div><div id="a4648" style="position:absolute;font-weight:bold;left:354.507px;top:584.2px;">$ </div><div id="a4650" style="position:absolute;font-weight:bold;left:381.467px;top:584.2px;">4,682,991 </div><div id="a4653" style="position:absolute;font-size:8px;font-weight:bold;left:438.267px;top:586.6px;">(b)<div style="display:inline-block;width:2.32px">&#160;</div></div><div id="a4655" style="position:absolute;left:454.267px;top:584.2px;">$ </div><div id="a4657" style="position:absolute;left:473.2px;top:584.2px;">4,370,419 </div><div id="a4660" style="position:absolute;font-size:8px;left:530.573px;top:586.6px;">(b)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4662" style="position:absolute;left:546.027px;top:584.2px;">$ </div><div id="a4664" style="position:absolute;left:564.173px;top:584.2px;">3,711,492 </div><div id="a4667" style="position:absolute;left:636.733px;top:584.2px;">$ </div><div id="a4669" style="position:absolute;left:655.667px;top:584.2px;">3,579,115 </div><div id="a4672" style="position:absolute;left:728.507px;top:584.2px;">$ </div><div id="a4674" style="position:absolute;left:747.44px;top:584.2px;">2,228,256 </div><div id="a4676" style="position:absolute;left:19.2px;top:599.1px;">Savings accounts </div><div id="a4681" style="position:absolute;font-weight:bold;left:381.467px;top:599.1px;">1,919,859 </div><div id="a4685" style="position:absolute;left:473.2px;top:599.1px;">1,978,118 </div><div id="a4689" style="position:absolute;left:564.173px;top:599.1px;">1,829,054 </div><div id="a4693" style="position:absolute;left:655.667px;top:599.1px;">1,815,044 </div><div id="a4697" style="position:absolute;left:747.44px;top:599.1px;">1,206,569 </div><div id="a4699" style="position:absolute;left:19.2px;top:614px;">Time deposits </div><div id="a4704" style="position:absolute;font-weight:bold;left:381.467px;top:614px;">1,933,517 </div><div id="a4708" style="position:absolute;left:473.2px;top:614px;">1,975,223 </div><div id="a4712" style="position:absolute;left:564.173px;top:614px;">2,023,211 </div><div id="a4716" style="position:absolute;left:655.667px;top:614px;">2,060,953 </div><div id="a4720" style="position:absolute;left:747.44px;top:614px;">1,154,871 </div><div id="a4722" style="position:absolute;left:19.2px;top:629.3px;">Brokered deposits </div><div id="a4727" style="position:absolute;font-weight:bold;left:396.4px;top:629.3px;">96,090 </div><div id="a4731" style="position:absolute;left:482.027px;top:629.3px;">218,166 </div><div id="a4735" style="position:absolute;left:572.973px;top:629.3px;">255,514 </div><div id="a4739" style="position:absolute;left:664.467px;top:629.3px;">243,498 </div><div id="a4743" style="position:absolute;left:756.227px;top:629.3px;">288,362 </div><div id="a4745" style="position:absolute;left:19.2px;top:650.1px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total deposits </div><div id="a4751" style="position:absolute;font-weight:bold;left:381.467px;top:650.1px;">8,632,457 </div><div id="a4755" style="position:absolute;left:473.2px;top:650.1px;">8,541,926 </div><div id="a4759" style="position:absolute;left:564.173px;top:650.1px;">7,819,271 </div><div id="a4763" style="position:absolute;left:655.667px;top:650.1px;">7,698,610 </div><div id="a4766" style="position:absolute;font-size:8px;left:713.04px;top:652px;">(d)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a4769" style="position:absolute;left:747.44px;top:650.1px;">4,878,058 </div><div id="a4771" style="position:absolute;font-weight:bold;left:19.2px;top:665.3px;">Borrowings: </div><div id="a4789" style="position:absolute;left:19.2px;top:680.2px;">Securities sold under agreements to repurchase </div><div id="a4795" style="position:absolute;font-weight:bold;left:425.467px;top:680.2px;">- </div><div id="a4799" style="position:absolute;left:517.24px;top:680.2px;">- </div><div id="a4803" style="position:absolute;left:579.107px;top:680.2px;">50,103 </div><div id="a4807" style="position:absolute;left:664.467px;top:680.2px;">190,274 </div><div id="a4811" style="position:absolute;left:756.227px;top:680.2px;">190,261 </div><div id="a4813" style="position:absolute;left:19.2px;top:695.1px;">Advances from FHLB and other borrowings </div><div id="a4818" style="position:absolute;font-weight:bold;left:396.4px;top:695.1px;">66,781 </div><div id="a4822" style="position:absolute;left:488.173px;top:695.1px;">68,340 </div><div id="a4826" style="position:absolute;left:579.107px;top:695.1px;">77,601 </div><div id="a4830" style="position:absolute;left:670.6px;top:695.1px;">79,204 </div><div id="a4834" style="position:absolute;left:762.373px;top:695.1px;">79,603 </div><div id="a4836" style="position:absolute;left:19.2px;top:710.1px;">Subordinated capital notes </div><div id="a4841" style="position:absolute;font-weight:bold;left:396.4px;top:710.1px;">36,083 </div><div id="a4845" style="position:absolute;left:488.173px;top:710.1px;">36,083 </div><div id="a4849" style="position:absolute;left:579.107px;top:710.1px;">36,083 </div><div id="a4853" style="position:absolute;left:670.6px;top:710.1px;">36,083 </div><div id="a4857" style="position:absolute;left:762.373px;top:710.1px;">36,083 </div><div id="a4859" style="position:absolute;left:19.2px;top:725.3px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total borrowings </div><div id="a4866" style="position:absolute;font-weight:bold;left:390.267px;top:725.3px;">102,864 </div><div id="a4870" style="position:absolute;left:482.027px;top:725.3px;">104,423 </div><div id="a4874" style="position:absolute;left:572.973px;top:725.3px;">163,787 </div><div id="a4878" style="position:absolute;left:664.467px;top:725.3px;">305,561 </div><div id="a4882" style="position:absolute;left:756.227px;top:725.3px;">305,947 </div><div id="a4884" style="position:absolute;font-weight:bold;left:19.2px;top:740.2px;">Other liabilities: </div><div id="a4902" style="position:absolute;left:19.2px;top:755.1px;">Derivative liabilities </div><div id="a4908" style="position:absolute;font-weight:bold;left:402.267px;top:755.1px;">1,895 </div><div id="a4912" style="position:absolute;left:494.027px;top:755.1px;">2,078 </div><div id="a4916" style="position:absolute;left:584.973px;top:755.1px;">2,059 </div><div id="a4920" style="position:absolute;left:685.267px;top:755.1px;">913 </div><div id="a4924" style="position:absolute;left:768.24px;top:755.1px;">1,159 </div><div id="a4926" style="position:absolute;left:19.2px;top:770.1px;">Acceptances outstanding </div><div id="a4931" style="position:absolute;font-weight:bold;left:396.4px;top:770.1px;">18,291 </div><div id="a4935" style="position:absolute;left:488.173px;top:770.1px;">20,034 </div><div id="a4939" style="position:absolute;left:579.107px;top:770.1px;">11,763 </div><div id="a4943" style="position:absolute;left:670.6px;top:770.1px;">21,599 </div><div id="a4947" style="position:absolute;left:762.373px;top:770.1px;">21,796 </div><div id="a4949" style="position:absolute;left:19.2px;top:785.3px;">Lease liability </div><div id="a4954" style="position:absolute;font-weight:bold;left:396.4px;top:785.3px;">37,029 </div><div id="a4958" style="position:absolute;left:488.173px;top:785.3px;">35,694 </div><div id="a4962" style="position:absolute;left:579.107px;top:785.3px;">37,702 </div><div id="a4966" style="position:absolute;left:670.6px;top:785.3px;">39,840 </div><div id="a4970" style="position:absolute;left:762.373px;top:785.3px;">21,081 </div><div id="a4972" style="position:absolute;left:19.2px;top:800.2px;">Accrued expenses and other liabilities </div><div id="a4977" style="position:absolute;font-weight:bold;left:390.267px;top:800.2px;">159,465 </div><div id="a4981" style="position:absolute;left:482.027px;top:800.2px;">187,280 </div><div id="a4985" style="position:absolute;left:572.973px;top:800.2px;">181,395 </div><div id="a4989" style="position:absolute;left:664.467px;top:800.2px;">185,660 </div><div id="a4993" style="position:absolute;left:762.373px;top:800.2px;">56,388 </div><div id="a4995" style="position:absolute;font-weight:bold;left:19.2px;top:815.2px;"><div style="display:inline-block;width:29.33px">&#160;</div>Total liabilities </div><div id="a5001" style="position:absolute;font-weight:bold;left:381.467px;top:815.2px;">8,952,001 </div><div id="a5005" style="position:absolute;left:473.2px;top:815.2px;">8,891,435 </div><div id="a5009" style="position:absolute;left:564.173px;top:815.2px;">8,215,977 </div><div id="a5013" style="position:absolute;left:655.667px;top:815.2px;">8,252,183 </div><div id="a5017" style="position:absolute;left:747.44px;top:815.2px;">5,284,429 </div><div id="a5019" style="position:absolute;font-weight:bold;left:19.2px;top:830.1px;">Stockholders&apos; equity: </div><div id="a5037" style="position:absolute;left:19.2px;top:845.3px;">Preferred stock </div><div id="a5043" style="position:absolute;font-weight:bold;left:396.4px;top:845.3px;">92,000 </div><div id="a5047" style="position:absolute;left:488.173px;top:845.3px;">92,000 </div><div id="a5051" style="position:absolute;left:579.107px;top:845.3px;">92,000 </div><div id="a5055" style="position:absolute;left:670.6px;top:845.3px;">92,000 </div><div id="a5059" style="position:absolute;left:762.373px;top:845.3px;">92,000 </div><div id="a5061" style="position:absolute;left:19.2px;top:860.2px;">Common stock </div><div id="a5066" style="position:absolute;font-weight:bold;left:396.4px;top:860.2px;">59,885 </div><div id="a5070" style="position:absolute;left:488.173px;top:860.2px;">59,885 </div><div id="a5074" style="position:absolute;left:579.107px;top:860.2px;">59,885 </div><div id="a5078" style="position:absolute;left:670.6px;top:860.2px;">59,885 </div><div id="a5082" style="position:absolute;left:762.373px;top:860.2px;">59,885 </div><div id="a5084" style="position:absolute;left:19.2px;top:875.2px;">Additional paid-in capital </div><div id="a5091" style="position:absolute;font-weight:bold;left:390.267px;top:875.2px;">621,978 </div><div id="a5095" style="position:absolute;left:482.027px;top:875.2px;">621,860 </div><div id="a5099" style="position:absolute;left:572.973px;top:875.2px;">621,206 </div><div id="a5103" style="position:absolute;left:664.467px;top:875.2px;">621,515 </div><div id="a5107" style="position:absolute;left:756.227px;top:875.2px;">620,948 </div><div id="a5109" style="position:absolute;left:19.2px;top:890.1px;">Legal surplus<div style="display:inline-block;width:2.99px">&#160;</div></div><div id="a5114" style="position:absolute;font-weight:bold;left:390.267px;top:890.1px;">101,233 </div><div id="a5118" style="position:absolute;left:488.173px;top:890.1px;">98,347 </div><div id="a5122" style="position:absolute;left:579.107px;top:890.1px;">95,945 </div><div id="a5126" style="position:absolute;left:670.6px;top:890.1px;">95,779 </div><div id="a5130" style="position:absolute;left:762.373px;top:890.1px;">95,783 </div><div id="a5132" style="position:absolute;left:19.2px;top:905.3px;">Retained earnings<div style="display:inline-block;width:5.99px">&#160;</div></div><div id="a5137" style="position:absolute;font-weight:bold;left:390.267px;top:905.3px;">284,053 </div><div id="a5141" style="position:absolute;left:482.027px;top:905.3px;">264,725 </div><div id="a5145" style="position:absolute;left:572.973px;top:905.3px;">250,557 </div><div id="a5147" style="position:absolute;font-size:8px;left:621.533px;top:905.1px;">(c) </div><div id="a5150" style="position:absolute;left:664.467px;top:905.3px;">279,646 </div><div id="a5154" style="position:absolute;left:756.227px;top:905.3px;">285,854 </div><div id="a5156" style="position:absolute;left:19.2px;top:920.3px;">Treasury stock, at cost </div><div id="a5161" style="position:absolute;font-weight:bold;left:387.333px;top:920.3px;">(103,095) </div><div id="a5165" style="position:absolute;left:479.067px;top:920.3px;">(103,121) </div><div id="a5169" style="position:absolute;left:570.027px;top:920.3px;">(103,289) </div><div id="a5173" style="position:absolute;left:661.533px;top:920.3px;">(102,339) </div><div id="a5177" style="position:absolute;left:753.307px;top:920.3px;">(102,936) </div><div id="a5179" style="position:absolute;left:19.2px;top:935.2px;">Accumulated other comprehensive (loss) income, net </div><div id="a5184" style="position:absolute;font-weight:bold;left:402.267px;top:935.2px;">8,268 </div><div id="a5188" style="position:absolute;left:494.027px;top:935.2px;">7,588 </div><div id="a5192" style="position:absolute;left:584.973px;top:935.2px;">6,290 </div><div id="a5196" style="position:absolute;left:673.267px;top:935.2px;">(1,008) </div><div id="a5200" style="position:absolute;left:765.04px;top:935.2px;">(2,458) </div><div id="a5202" style="position:absolute;font-weight:bold;left:19.2px;top:950.1px;"><div style="display:inline-block;width:29.33px">&#160;</div>Total stockholders&apos; equity </div><div id="a5208" style="position:absolute;font-weight:bold;left:381.467px;top:950.1px;">1,064,322 </div><div id="a5212" style="position:absolute;left:473.2px;top:950.1px;">1,041,284 </div><div id="a5216" style="position:absolute;left:564.173px;top:950.1px;">1,022,594 </div><div id="a5220" style="position:absolute;left:655.667px;top:950.1px;">1,045,478 </div><div id="a5224" style="position:absolute;left:747.44px;top:950.1px;">1,049,076 </div><div id="a5226" style="position:absolute;font-weight:bold;left:19.2px;top:966.1px;"><div style="display:inline-block;width:29.33px">&#160;</div>Total liabilities and stockholders&apos; equity<div style="display:inline-block;width:4.18px">&#160;</div></div><div id="a5231" style="position:absolute;font-weight:bold;left:354.507px;top:966.1px;">$ </div><div id="a5233" style="position:absolute;font-weight:bold;left:375.6px;top:966.1px;">10,016,323 </div><div id="a5236" style="position:absolute;left:454.267px;top:966.1px;">$ </div><div id="a5238" style="position:absolute;left:473.2px;top:966.1px;">9,932,719 </div><div id="a5241" style="position:absolute;left:546.027px;top:966.1px;">$ </div><div id="a5243" style="position:absolute;left:564.173px;top:966.1px;">9,238,571 </div><div id="a5246" style="position:absolute;left:636.733px;top:966.1px;">$ </div><div id="a5248" style="position:absolute;left:655.667px;top:966.1px;">9,297,661 </div><div id="a5251" style="position:absolute;left:728.507px;top:966.1px;">$ </div><div id="a5253" style="position:absolute;left:747.44px;top:966.1px;">6,333,505 </div></div>
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<div id="a5272" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a5274" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a5276" style="position:absolute;font-size:9.333px;left:19.2px;top:63.4px;">(a) In March 2020, a global pandemic was declared by the World Health Organization related to the rapidly growing outbreak of a novel strain of coronavirus (COVID-19). The pandemic </div><div id="a5281" style="position:absolute;font-size:9.333px;left:19.2px;top:74.4px;">significantly impacted the economic conditions in P.R. and the<div style="display:inline-block;width:4.1px">&#160;</div>U.S., creating significant uncertainties. After recent disruptions in economic conditions caused by COVID-19, the Company </div><div id="a5285" style="position:absolute;font-size:9.333px;left:19.2px;top:85px;">has offered several deferral programs for the payment of principal and interest for auto, personal, credit cards and mortgage,<div style="display:inline-block;width:3.27px">&#160;</div>and commercial loans, for customers whose payments were </div><div id="a5288" style="position:absolute;font-size:9.333px;left:19.2px;top:95.7px;">not over 89 days past due at March 12, 2020 and requested to be included in these programs, which contributed to the increase of accrued interest receivable from 1Q 2020 to 2Q 2020 of </div><div id="a5291" style="position:absolute;font-size:9.333px;left:19.2px;top:106.4px;">approximately $40 million.<div style="display:inline-block;width:2.53px">&#160;</div></div><div id="a5293" style="position:absolute;font-size:9.333px;left:19.2px;top:117.3px;">(b) In response to the Coronavirus (COVID-19) pandemic, CARES Act created funding for the Small Business Administration (SBA) Paycheck Protection Program (PPP), which provides </div><div id="a5299" style="position:absolute;font-size:9.333px;left:19.2px;top:128px;">loans to small businesses to keep their employees on payroll and make other eligible payments. The original funding for the PPP was fully allocated by mid-April 2020, with additional </div><div id="a5303" style="position:absolute;font-size:9.333px;left:19.2px;top:138.6px;">funding made available on April 24, 2020 under the Paycheck Protection Program and Health Care Enhancement Act. During 2Q 2020 and 3Q 2020, the Company participated in this </div><div id="a5306" style="position:absolute;font-size:9.333px;left:19.2px;top:149.3px;">program originating 4,342 and 732 PPP loans, respectively. On June 30, 2020 and September 30, 2020, Oriental had PPP loans amounting to $278.1 million and $289.2 million, </div><div id="a5308" style="position:absolute;font-size:9.333px;left:19.2px;top:160.2px;">respectively. These loans are fully guaranteed by the SBA and risk-weighted at 0%. These funds have been disbursed into the customers&apos; deposit accounts and, along with other </div><div id="a5312" style="position:absolute;font-size:9.333px;left:19.2px;top:170.9px;">government stimulus and relief during the pandemic, they have increased the Company&apos;s cash and core deposits. </div><div id="a5314" style="position:absolute;font-size:9.333px;left:19.2px;top:181.6px;">(c) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective approach. As a </div><div id="a5319" style="position:absolute;font-size:9.333px;left:19.2px;top:192.2px;">result, a $39.2 million allowance for credit losses was recorded for Non-PCD loans and $0.2 million for unused commitments with the corresponding adjustment reducing retained earnings, </div><div id="a5324" style="position:absolute;font-size:9.333px;left:19.2px;top:203.2px;">net of a $13.9 million deferred tax effect. For PCD loans, including BBVA and Eurobank acquired book plus the recently acquired Scotiabank, the adjustment amounting to $50.5 million was </div><div id="a5326" style="position:absolute;font-size:9.333px;left:19.2px;top:213.9px;">made through the allowance and loan balances with no impact in capital.<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a5330" style="position:absolute;font-size:9.333px;left:19.2px;top:224.5px;">(d) On December 31, 2019, the Company acquired Scotiabank&apos;s Puerto Rico and USVI operations, increasing investments by $576.2 million, loans by $2.2 billion and deposits by $3.0 </div><div id="a5333" style="position:absolute;font-size:9.333px;left:19.2px;top:235.2px;">billion. </div><div id="a5335" style="position:absolute;font-size:9.333px;left:19.2px;top:247.2px;">(e) During 1Q 2020, the Company sold $316 million available-for-sale mortgage-backed securities and recognized a gain in the sale of $4.7 million. </div><div id="a5362" style="position:absolute;left:406.267px;top:272.9px;">4 </div></div>
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<div id="a5364" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a5366" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a5368" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a5386" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:80.5px;">Table 4-1: Information on Loan Portfolio and </div><div id="a5389" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:96px;">Production </div><div id="a5427" style="position:absolute;font-weight:bold;left:344.36px;top:129.1px;">September 30, </div><div id="a5430" style="position:absolute;left:460.933px;top:129.1px;">June 30, </div><div id="a5433" style="position:absolute;left:549.507px;top:129.1px;">March 31, </div><div id="a5436" style="position:absolute;left:631.933px;top:129.1px;">December 31, </div><div id="a5439" style="position:absolute;left:722.373px;top:129.1px;">September 30, </div><div id="a5441" style="position:absolute;font-weight:bold;left:19.2px;top:143.3px;">(Dollars in thousands) (unaudited) </div><div id="a5445" style="position:absolute;font-weight:bold;left:368.893px;top:145.1px;">2020 </div><div id="a5448" style="position:absolute;left:469.467px;top:145.1px;">2020 </div><div id="a5451" style="position:absolute;left:561.507px;top:145.1px;">2020 </div><div id="a5454" style="position:absolute;left:653.533px;top:145.1px;">2019 </div><div id="a5457" style="position:absolute;left:745.56px;top:145.1px;">2019 </div><div id="a5459" style="position:absolute;font-weight:bold;left:19.2px;top:168.3px;">Non-PCD: </div><div id="a5463" style="position:absolute;font-size:8px;left:321.44px;top:164.9px;">(1) </div><div id="a5480" style="position:absolute;left:19.2px;top:183.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Mortgage </div><div id="a5485" style="position:absolute;font-weight:bold;left:338.24px;top:183.3px;">$ </div><div id="a5487" style="position:absolute;font-weight:bold;left:380.667px;top:183.3px;">847,588 </div><div id="a5490" style="position:absolute;left:443.333px;top:183.3px;">$ </div><div id="a5492" style="position:absolute;left:476.667px;top:183.3px;">874,286 </div><div id="a5495" style="position:absolute;left:535.36px;top:183.3px;">$ </div><div id="a5497" style="position:absolute;left:568.693px;top:183.3px;">887,950 </div><div id="a5500" style="position:absolute;left:627.4px;top:183.3px;">$ </div><div id="a5502" style="position:absolute;left:660.733px;top:183.3px;">898,118 </div><div id="a5505" style="position:absolute;left:719.44px;top:183.3px;">$ </div><div id="a5507" style="position:absolute;left:752.773px;top:183.3px;">588,535 </div><div id="a5509" style="position:absolute;left:19.2px;top:198.5px;"><div style="display:inline-block;width:17.6px">&#160;</div>Commercial </div><div id="a5515" style="position:absolute;font-weight:bold;left:371.84px;top:198.5px;">1,785,022 </div><div id="a5519" style="position:absolute;left:467.867px;top:198.5px;">1,918,424 </div><div id="a5523" style="position:absolute;left:559.893px;top:198.5px;">1,910,192 </div><div id="a5527" style="position:absolute;left:651.933px;top:198.5px;">1,862,484 </div><div id="a5531" style="position:absolute;left:743.96px;top:198.5px;">1,575,491 </div><div id="a5533" style="position:absolute;left:19.2px;top:221.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Commercial Paycheck Protection Program (PPP Loans) </div><div id="a5539" style="position:absolute;font-weight:bold;left:380.667px;top:221.4px;">289,218 </div><div id="a5541" style="position:absolute;font-size:8px;font-weight:bold;left:423.333px;top:224.2px;">(a) </div><div id="a5544" style="position:absolute;left:476.667px;top:221.4px;">278,059 </div><div id="a5546" style="position:absolute;font-size:8px;left:519.36px;top:224.2px;">(a) </div><div id="a5549" style="position:absolute;left:603.933px;top:221.4px;">- </div><div id="a5553" style="position:absolute;left:695.96px;top:221.4px;">- </div><div id="a5557" style="position:absolute;left:787.96px;top:221.4px;">- </div><div id="a5559" style="position:absolute;left:19.2px;top:236.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Consumer </div><div id="a5565" style="position:absolute;font-weight:bold;left:380.667px;top:236.4px;">434,546 </div><div id="a5569" style="position:absolute;left:476.667px;top:236.4px;">458,714 </div><div id="a5573" style="position:absolute;left:568.693px;top:236.4px;">481,710 </div><div id="a5577" style="position:absolute;left:660.733px;top:236.4px;">495,244 </div><div id="a5581" style="position:absolute;left:752.773px;top:236.4px;">383,819 </div><div id="a5583" style="position:absolute;left:19.2px;top:251.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Auto </div><div id="a5589" style="position:absolute;font-weight:bold;left:371.84px;top:251.3px;">1,511,829 </div><div id="a5593" style="position:absolute;left:467.867px;top:251.3px;">1,454,987 </div><div id="a5597" style="position:absolute;left:559.893px;top:251.3px;">1,487,701 </div><div id="a5601" style="position:absolute;left:651.933px;top:251.3px;">1,479,612 </div><div id="a5605" style="position:absolute;left:743.96px;top:251.3px;">1,277,114 </div><div id="a5611" style="position:absolute;font-weight:bold;left:371.84px;top:275px;">4,868,203 </div><div id="a5615" style="position:absolute;left:467.867px;top:275px;">4,984,470 </div><div id="a5619" style="position:absolute;left:559.893px;top:275px;">4,767,553 </div><div id="a5623" style="position:absolute;left:651.933px;top:275px;">4,735,458 </div><div id="a5625" style="position:absolute;font-size:8px;left:703.44px;top:278px;">(c) </div><div id="a5628" style="position:absolute;left:743.96px;top:275px;">3,824,959 </div><div id="a5630" style="position:absolute;left:19.2px;top:298px;"><div style="display:inline-block;width:17.6px">&#160;</div>Less:<div style="display:inline-block;width:5.97px">&#160;</div>Allowance for credit losses </div><div id="a5636" style="position:absolute;font-weight:bold;left:377.733px;top:298px;">(156,409) </div><div id="a5640" style="position:absolute;left:473.733px;top:298px;">(151,507) </div><div id="a5644" style="position:absolute;left:565.76px;top:298px;">(149,961) </div><div id="a5646" style="position:absolute;font-size:8px;left:611.4px;top:301px;">(b) </div><div id="a5649" style="position:absolute;left:663.667px;top:298px;">(85,044) </div><div id="a5653" style="position:absolute;left:755.693px;top:298px;">(80,579) </div><div id="a5655" style="position:absolute;left:19.2px;top:313.7px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total non- PCD loans held for investment, net </div><div id="a5666" style="position:absolute;font-weight:bold;left:371.84px;top:313.7px;">4,711,794 </div><div id="a5670" style="position:absolute;left:467.867px;top:313.7px;">4,832,963 </div><div id="a5674" style="position:absolute;left:559.893px;top:313.7px;">4,617,592 </div><div id="a5678" style="position:absolute;left:651.933px;top:313.7px;">4,650,414 </div><div id="a5682" style="position:absolute;left:743.96px;top:313.7px;">3,744,380 </div><div id="a5701" style="position:absolute;font-weight:bold;left:19.2px;top:351.3px;">PCD: </div><div id="a5703" style="position:absolute;font-size:8px;left:321.44px;top:347.9px;">(1) </div><div id="a5720" style="position:absolute;left:19.2px;top:366.5px;"><div style="display:inline-block;width:17.6px">&#160;</div>Mortgage </div><div id="a5726" style="position:absolute;font-weight:bold;left:371.84px;top:366.5px;">1,504,914 </div><div id="a5730" style="position:absolute;left:467.867px;top:366.5px;">1,541,637 </div><div id="a5734" style="position:absolute;left:559.893px;top:366.5px;">1,561,557 </div><div id="a5738" style="position:absolute;left:651.933px;top:366.5px;">1,591,112 </div><div id="a5742" style="position:absolute;left:752.773px;top:366.5px;">494,278 </div><div id="a5744" style="position:absolute;left:19.2px;top:381.5px;"><div style="display:inline-block;width:17.6px">&#160;</div>Commercial </div><div id="a5750" style="position:absolute;font-weight:bold;left:380.667px;top:381.5px;">352,555 </div><div id="a5754" style="position:absolute;left:476.667px;top:381.5px;">386,046 </div><div id="a5758" style="position:absolute;left:568.693px;top:381.5px;">391,158 </div><div id="a5762" style="position:absolute;left:660.733px;top:381.5px;">359,601 </div><div id="a5766" style="position:absolute;left:752.773px;top:381.5px;">202,065 </div><div id="a5768" style="position:absolute;left:19.2px;top:396.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Consumer </div><div id="a5774" style="position:absolute;font-weight:bold;left:392.667px;top:396.4px;">2,336 </div><div id="a5778" style="position:absolute;left:488.693px;top:396.4px;">2,950 </div><div id="a5782" style="position:absolute;left:580.693px;top:396.4px;">3,350 </div><div id="a5786" style="position:absolute;left:672.733px;top:396.4px;">9,263 </div><div id="a5790" style="position:absolute;left:773.56px;top:396.4px;">802 </div><div id="a5792" style="position:absolute;left:19.2px;top:411.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Auto </div><div id="a5798" style="position:absolute;font-weight:bold;left:386.8px;top:411.3px;">31,836 </div><div id="a5802" style="position:absolute;left:482.84px;top:411.3px;">37,409 </div><div id="a5806" style="position:absolute;left:574.84px;top:411.3px;">42,466 </div><div id="a5810" style="position:absolute;left:666.867px;top:411.3px;">43,361 </div><div id="a5814" style="position:absolute;left:764.773px;top:411.3px;">3,883 </div><div id="a5820" style="position:absolute;font-weight:bold;left:371.84px;top:435.1px;">1,891,641 </div><div id="a5824" style="position:absolute;left:467.867px;top:435.1px;">1,968,042 </div><div id="a5828" style="position:absolute;left:559.893px;top:435.1px;">1,998,531 </div><div id="a5832" style="position:absolute;left:651.933px;top:435.1px;">2,003,337 </div><div id="a5834" style="position:absolute;font-size:8px;left:703.44px;top:438.1px;">(c) </div><div id="a5837" style="position:absolute;left:752.773px;top:435.1px;">701,028 </div><div id="a5839" style="position:absolute;left:19.2px;top:458px;"><div style="display:inline-block;width:17.6px">&#160;</div>Less:<div style="display:inline-block;width:5.97px">&#160;</div>Allowance for credit losses </div><div id="a5842" style="position:absolute;font-size:8px;left:321.44px;top:461px;">(1) </div><div id="a5846" style="position:absolute;font-weight:bold;left:383.6px;top:458px;">(78,904) </div><div id="a5850" style="position:absolute;left:479.6px;top:458px;">(81,194) </div><div id="a5854" style="position:absolute;left:571.64px;top:458px;">(80,794) </div><div id="a5856" style="position:absolute;font-size:8px;left:611.4px;top:461px;">(b) </div><div id="a5859" style="position:absolute;left:663.667px;top:458px;">(31,495) </div><div id="a5863" style="position:absolute;left:755.693px;top:458px;">(73,764) </div><div id="a5865" style="position:absolute;left:19.2px;top:473.7px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total PCD loans held for investment, net </div><div id="a5871" style="position:absolute;font-weight:bold;left:371.84px;top:473.7px;">1,812,737 </div><div id="a5875" style="position:absolute;left:467.867px;top:473.7px;">1,886,848 </div><div id="a5879" style="position:absolute;left:559.893px;top:473.7px;">1,917,737 </div><div id="a5883" style="position:absolute;left:651.933px;top:473.7px;">1,971,842 </div><div id="a5887" style="position:absolute;left:752.773px;top:473.7px;">627,264 </div><div id="a5889" style="position:absolute;left:19.2px;top:489.5px;">Total loans held for investment </div><div id="a5894" style="position:absolute;font-weight:bold;left:371.84px;top:489.5px;">6,524,531 </div><div id="a5898" style="position:absolute;left:467.867px;top:489.5px;">6,719,811 </div><div id="a5902" style="position:absolute;left:559.893px;top:489.5px;">6,535,329 </div><div id="a5906" style="position:absolute;left:651.933px;top:489.5px;">6,622,256 </div><div id="a5910" style="position:absolute;left:743.96px;top:489.5px;">4,371,644 </div><div id="a5912" style="position:absolute;font-weight:bold;left:19.2px;top:505.2px;">Mortgage loans held for sale </div><div id="a5917" style="position:absolute;font-weight:bold;left:386.8px;top:505.2px;">54,609 </div><div id="a5921" style="position:absolute;left:482.84px;top:505.2px;">19,432 </div><div id="a5925" style="position:absolute;left:580.693px;top:505.2px;">5,845 </div><div id="a5929" style="position:absolute;left:666.867px;top:505.2px;">19,591 </div><div id="a5933" style="position:absolute;left:758.893px;top:505.2px;">23,504 </div><div id="a5935" style="position:absolute;font-weight:bold;left:19.2px;top:520.2px;">Other loans held for sale </div><div id="a5940" style="position:absolute;font-weight:bold;left:415.867px;top:520.2px;">- </div><div id="a5944" style="position:absolute;left:511.893px;top:520.2px;">- </div><div id="a5948" style="position:absolute;left:603.933px;top:520.2px;">- </div><div id="a5952" style="position:absolute;left:695.96px;top:520.2px;">- </div><div id="a5956" style="position:absolute;left:758.893px;top:520.2px;">12,042 </div><div id="a5958" style="position:absolute;font-weight:bold;left:19.2px;top:536.7px;">Total loans, net </div><div id="a5962" style="position:absolute;font-weight:bold;left:338.24px;top:536.7px;">$ </div><div id="a5964" style="position:absolute;font-weight:bold;left:371.84px;top:536.7px;">6,579,140 </div><div id="a5967" style="position:absolute;left:443.333px;top:536.7px;">$ </div><div id="a5969" style="position:absolute;left:467.867px;top:536.7px;">6,739,243 </div><div id="a5972" style="position:absolute;left:535.36px;top:536.7px;">$ </div><div id="a5974" style="position:absolute;left:559.893px;top:536.7px;">6,541,174 </div><div id="a5977" style="position:absolute;left:627.4px;top:536.7px;">$ </div><div id="a5979" style="position:absolute;left:651.933px;top:536.7px;">6,641,847 </div><div id="a5982" style="position:absolute;left:719.44px;top:536.7px;">$ </div><div id="a5984" style="position:absolute;left:743.96px;top:536.7px;">4,407,190 </div><div id="a6003" style="position:absolute;font-weight:bold;left:19.2px;top:570.8px;">Loan Portfolio Summary: </div><div id="a6021" style="position:absolute;left:19.2px;top:585.8px;"><div style="display:inline-block;width:5.87px">&#160;</div>Loans held for investment: </div><div id="a6040" style="position:absolute;left:19.2px;top:600.7px;"><div style="display:inline-block;width:17.6px">&#160;</div>Mortgage </div><div id="a6045" style="position:absolute;font-weight:bold;left:338.24px;top:600.7px;">$ </div><div id="a6047" style="position:absolute;font-weight:bold;left:371.84px;top:600.7px;">2,352,502 </div><div id="a6050" style="position:absolute;left:443.333px;top:600.7px;">$ </div><div id="a6052" style="position:absolute;left:467.867px;top:600.7px;">2,415,923 </div><div id="a6055" style="position:absolute;left:535.36px;top:600.7px;">$ </div><div id="a6057" style="position:absolute;left:559.893px;top:600.7px;">2,449,507 </div><div id="a6060" style="position:absolute;left:627.4px;top:600.7px;">$ </div><div id="a6062" style="position:absolute;left:651.933px;top:600.7px;">2,489,230 </div><div id="a6065" style="position:absolute;left:719.44px;top:600.7px;">$ </div><div id="a6067" style="position:absolute;left:743.96px;top:600.7px;">1,082,813 </div><div id="a6069" style="position:absolute;left:19.2px;top:615.9px;"><div style="display:inline-block;width:17.6px">&#160;</div>Commercial </div><div id="a6075" style="position:absolute;font-weight:bold;left:371.84px;top:615.9px;">2,426,795 </div><div id="a6079" style="position:absolute;left:467.867px;top:615.9px;">2,582,529 </div><div id="a6083" style="position:absolute;left:559.893px;top:615.9px;">2,301,350 </div><div id="a6087" style="position:absolute;left:651.933px;top:615.9px;">2,222,085 </div><div id="a6091" style="position:absolute;left:743.96px;top:615.9px;">1,777,556 </div><div id="a6093" style="position:absolute;left:19.2px;top:630.9px;"><div style="display:inline-block;width:17.6px">&#160;</div>Consumer </div><div id="a6099" style="position:absolute;font-weight:bold;left:380.667px;top:630.9px;">436,882 </div><div id="a6103" style="position:absolute;left:476.667px;top:630.9px;">461,664 </div><div id="a6107" style="position:absolute;left:568.693px;top:630.9px;">485,060 </div><div id="a6111" style="position:absolute;left:660.733px;top:630.9px;">504,507 </div><div id="a6115" style="position:absolute;left:752.773px;top:630.9px;">384,621 </div><div id="a6117" style="position:absolute;left:19.2px;top:645.8px;"><div style="display:inline-block;width:17.6px">&#160;</div>Auto </div><div id="a6123" style="position:absolute;font-weight:bold;left:371.84px;top:645.8px;">1,543,665 </div><div id="a6127" style="position:absolute;left:467.867px;top:645.8px;">1,492,396 </div><div id="a6131" style="position:absolute;left:559.893px;top:645.8px;">1,530,167 </div><div id="a6135" style="position:absolute;left:651.933px;top:645.8px;">1,522,973 </div><div id="a6139" style="position:absolute;left:743.96px;top:645.8px;">1,280,997 </div><div id="a6145" style="position:absolute;font-weight:bold;left:371.84px;top:666.6px;">6,759,844 </div><div id="a6149" style="position:absolute;left:467.867px;top:666.6px;">6,952,512 </div><div id="a6153" style="position:absolute;left:559.893px;top:666.6px;">6,766,084 </div><div id="a6157" style="position:absolute;left:651.933px;top:666.6px;">6,738,795 </div><div id="a6159" style="position:absolute;font-size:8px;left:703.44px;top:669.3px;">(c) </div><div id="a6162" style="position:absolute;left:743.96px;top:666.6px;">4,525,987 </div><div id="a6164" style="position:absolute;left:19.2px;top:687.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Less:<div style="display:inline-block;width:5.97px">&#160;</div>Allowance for credit losses </div><div id="a6170" style="position:absolute;font-weight:bold;left:377.733px;top:687.4px;">(235,313) </div><div id="a6174" style="position:absolute;left:473.733px;top:687.4px;">(232,701) </div><div id="a6178" style="position:absolute;left:565.76px;top:687.4px;">(230,755) </div><div id="a6180" style="position:absolute;font-size:8px;left:611.4px;top:690.4px;">(b) </div><div id="a6183" style="position:absolute;left:657.8px;top:687.4px;">(116,539) </div><div id="a6187" style="position:absolute;left:749.84px;top:687.4px;">(154,343) </div><div id="a6189" style="position:absolute;left:19.2px;top:703.1px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total loans held for investment, net </div><div id="a6197" style="position:absolute;font-weight:bold;left:371.84px;top:703.1px;">6,524,531 </div><div id="a6201" style="position:absolute;left:467.867px;top:703.1px;">6,719,811 </div><div id="a6205" style="position:absolute;left:559.893px;top:703.1px;">6,535,329 </div><div id="a6209" style="position:absolute;left:651.933px;top:703.1px;">6,622,256 </div><div id="a6213" style="position:absolute;left:743.96px;top:703.1px;">4,371,644 </div><div id="a6215" style="position:absolute;left:19.2px;top:718.1px;"><div style="display:inline-block;width:5.87px">&#160;</div>Mortgage loans held for sale </div><div id="a6221" style="position:absolute;font-weight:bold;left:386.8px;top:718.1px;">54,609 </div><div id="a6225" style="position:absolute;left:482.84px;top:718.1px;">19,432 </div><div id="a6229" style="position:absolute;left:580.693px;top:718.1px;">5,845 </div><div id="a6233" style="position:absolute;left:666.867px;top:718.1px;">19,591 </div><div id="a6237" style="position:absolute;left:758.893px;top:718.1px;">23,504 </div><div id="a6239" style="position:absolute;left:19.2px;top:733.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Other loans held for sale </div><div id="a6245" style="position:absolute;font-weight:bold;left:415.867px;top:733.3px;">- </div><div id="a6249" style="position:absolute;left:511.893px;top:733.3px;">- </div><div id="a6253" style="position:absolute;left:603.933px;top:733.3px;">- </div><div id="a6257" style="position:absolute;left:695.96px;top:733.3px;">- </div><div id="a6261" style="position:absolute;left:758.893px;top:733.3px;">12,042 </div><div id="a6263" style="position:absolute;font-weight:bold;left:19.2px;top:749.8px;">Total loans, net </div><div id="a6267" style="position:absolute;font-weight:bold;left:338.24px;top:749.8px;">$ </div><div id="a6269" style="position:absolute;font-weight:bold;left:371.84px;top:749.8px;">6,579,140 </div><div id="a6272" style="position:absolute;left:443.333px;top:749.8px;">$ </div><div id="a6274" style="position:absolute;left:467.867px;top:749.8px;">6,739,243 </div><div id="a6277" style="position:absolute;left:535.36px;top:749.8px;">$ </div><div id="a6279" style="position:absolute;left:559.893px;top:749.8px;">6,541,174 </div><div id="a6282" style="position:absolute;left:627.4px;top:749.8px;">$ </div><div id="a6284" style="position:absolute;left:651.933px;top:749.8px;">6,641,847 </div><div id="a6287" style="position:absolute;left:719.44px;top:749.8px;">$ </div><div id="a6289" style="position:absolute;left:743.96px;top:749.8px;">4,407,190 </div><div id="a6308" style="position:absolute;font-size:9.333px;left:19.2px;top:780.9px;">(a) In response to the Coronavirus (COVID-19) pandemic, CARES Act created funding for the Small Business Administration (SBA) Paycheck Protection Program (PPP), which provides </div><div id="a6313" style="position:absolute;font-size:9.333px;left:19.2px;top:791.9px;">loans to small businesses to keep their employees on payroll and make other eligible payments. The original funding for the PPP was fully allocated by mid-April 2020, with additional </div><div id="a6317" style="position:absolute;font-size:9.333px;left:19.2px;top:802.5px;">funding made available on April 24, 2020 under the Paycheck Protection Program and Health Care Enhancement Act. During 2Q 2020 and 3Q 2020, the Company participated in this </div><div id="a6319" style="position:absolute;font-size:9.333px;left:19.2px;top:813.2px;">program originating 4,342 and 732 PPP loans, respectively. On June 30, 2020 and September 30, 2020, Oriental had PPP loans amounting to $278.1 million and $289.2 million, </div><div id="a6322" style="position:absolute;font-size:9.333px;left:19.2px;top:823.9px;">respectively. These loans are fully guaranteed by the SBA and risk-weighted at 0%. </div><div id="a6326" style="position:absolute;font-size:9.333px;left:19.2px;top:834.8px;">(b) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective approach. As a </div><div id="a6331" style="position:absolute;font-size:9.333px;left:19.2px;top:845.5px;">result, a $39.2 million allowance for credit losses was recorded for Non-PCD loans and $0.2 million for unused commitments with the corresponding adjustment reducing retained earnings, </div><div id="a6335" style="position:absolute;font-size:9.333px;left:19.2px;top:856.1px;">net of a $13.9 million deferred tax effect. For PCD loans, including BBVA and Eurobank acquired book plus the recently acquired Scotiabank, the adjustment amounting to $50.5 million </div><div id="a6338" style="position:absolute;font-size:9.333px;left:19.2px;top:866.8px;">was made through the allowance and loan balances with no impact in capital.<div style="display:inline-block;width:2.89px">&#160;</div></div><div id="a6340" style="position:absolute;font-size:9.333px;left:19.2px;top:877.7px;">(c) On December 31, 2019, the Company acquired Scotiabank&apos;s Puerto Rico and USVI operations, increasing investments by $576.2 million, loans by $2.2 billion and deposits by $3.0 </div><div id="a6344" style="position:absolute;font-size:9.333px;left:19.2px;top:888.4px;">billion. </div><div id="a6363" style="position:absolute;left:404.4px;top:917.1px;">5 </div></div>
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<div style="position:absolute; width:83px; height:1.3px; left:643.4px; top:139.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:76px; height:1.3px; left:559.4px; top:139.2px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:76px; height:1.3px; left:395.3px; top:139.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:76px; height:1.3px; left:313.4px; top:139.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.8px; height:1.3px; left:231.5px; top:139.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:211px; height:1.3px; left:19.2px; top:139.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:165.1px; height:1.3px; left:643.4px; top:111.2px; background-color:#000000;">&#160;</div>
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style="position:absolute;font-weight:bold;left:232.867px;top:113.4px;">September 30, </div><div id="a6436" style="position:absolute;left:330.773px;top:113.4px;">June 30, </div><div id="a6439" style="position:absolute;left:409.467px;top:113.4px;">March 31, </div><div id="a6442" style="position:absolute;left:481.76px;top:113.4px;">December 31, </div><div id="a6445" style="position:absolute;left:562.307px;top:113.4px;">September 30, </div><div id="a6448" style="position:absolute;font-weight:bold;left:648.467px;top:113.4px;">September 30, </div><div id="a6451" style="position:absolute;left:735.44px;top:113.4px;">September 30, </div><div id="a6453" style="position:absolute;font-weight:bold;left:19.2px;top:126.5px;">(Dollars in thousands) (unaudited) </div><div id="a6458" style="position:absolute;font-weight:bold;left:260.333px;top:127.3px;">2020 </div><div id="a6462" style="position:absolute;left:342.507px;top:127.3px;">2020 </div><div id="a6466" 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<div style="position:absolute; width:161.9px; height:1.3px; left:218.5px; top:113.4px; background-color:#000000;">&#160;</div>
<div id="a6772" style="position:absolute;font-size:13.333px;left:19.2px;top:48.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a6774" style="position:absolute;font-size:13.333px;left:19.2px;top:753.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a6776" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a6820" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:82.4px;">Table 5-1: Average<div style="display:inline-block;width:5.58px">&#160;</div>Balances, Net Interest Income and Net Interest Margin </div><div id="a6828" style="position:absolute;font-weight:bold;left:278.733px;top:101.4px;">2020 Q3 </div><div id="a6831" style="position:absolute;left:443.293px;top:101.4px;">2020 Q2 </div><div id="a6834" style="position:absolute;left:608.133px;top:101.4px;">2020 Q1 </div><div id="a6837" style="position:absolute;left:772.2px;top:101.4px;">2019 Q4 </div><div id="a6840" style="position:absolute;left:936.24px;top:101.4px;">2019 Q3 </div><div id="a6847" style="position:absolute;font-weight:bold;left:291px;top:117.7px;">Interest<div style="display:inline-block;width:3.07px">&#160;</div></div><div id="a6855" style="position:absolute;left:456.36px;top:117.7px;">Interest<div style="display:inline-block;width:3.13px">&#160;</div></div><div id="a6863" style="position:absolute;left:621.467px;top:117.7px;">Interest<div style="display:inline-block;width:3.13px">&#160;</div></div><div id="a6871" style="position:absolute;left:786.333px;top:117.7px;">Interest<div style="display:inline-block;width:3.09px">&#160;</div></div><div id="a6879" style="position:absolute;left:948.507px;top:117.7px;">Interest<div style="display:inline-block;width:3.09px">&#160;</div></div><div id="a6887" style="position:absolute;font-weight:bold;left:229.4px;top:132.6px;">Average </div><div id="a6890" style="position:absolute;font-weight:bold;left:289.933px;top:132.6px;">Income/ </div><div id="a6893" style="position:absolute;font-weight:bold;left:344.333px;top:132.6px;">Yield/ </div><div id="a6896" style="position:absolute;left:394.76px;top:132.6px;">Average </div><div id="a6899" style="position:absolute;left:455.293px;top:132.6px;">Income/ </div><div id="a6902" style="position:absolute;left:509.733px;top:132.6px;">Yield/ </div><div id="a6905" style="position:absolute;left:559.6px;top:132.6px;">Average </div><div id="a6908" style="position:absolute;left:620.4px;top:132.6px;">Income/ </div><div id="a6911" style="position:absolute;left:674.84px;top:132.6px;">Yield/ </div><div id="a6914" style="position:absolute;left:724.707px;top:132.6px;">Average </div><div id="a6917" style="position:absolute;left:785.267px;top:132.6px;">Income/ </div><div id="a6920" style="position:absolute;left:838.867px;top:132.6px;">Yield/ </div><div id="a6923" style="position:absolute;left:886.867px;top:132.6px;">Average </div><div id="a6926" style="position:absolute;left:947.427px;top:132.6px;">Income/ </div><div id="a6929" style="position:absolute;left:1004.507px;top:132.6px;">Yield/ </div><div id="a6931" style="position:absolute;font-weight:bold;left:19.2px;top:154.5px;">(Dollars in thousands) (unaudited) </div><div id="a6935" style="position:absolute;font-weight:bold;left:230.2px;top:163.8px;">Balance </div><div id="a6938" style="position:absolute;font-weight:bold;left:288.067px;top:163.8px;">Expense </div><div id="a6941" style="position:absolute;font-weight:bold;left:347px;top:163.8px;">Rate </div><div id="a6944" style="position:absolute;left:395.293px;top:163.8px;">Balance </div><div id="a6947" style="position:absolute;left:453.427px;top:163.8px;">Expense </div><div id="a6950" style="position:absolute;left:511.867px;top:163.8px;">Rate </div><div id="a6953" style="position:absolute;left:560.133px;top:163.8px;">Balance </div><div id="a6956" style="position:absolute;left:618.533px;top:163.8px;">Expense </div><div id="a6959" style="position:absolute;left:676.96px;top:163.8px;">Rate </div><div id="a6962" style="position:absolute;left:725.227px;top:163.8px;">Balance </div><div id="a6965" style="position:absolute;left:783.4px;top:163.8px;">Expense </div><div id="a6968" style="position:absolute;left:841px;top:163.8px;">Rate </div><div id="a6971" style="position:absolute;left:887.4px;top:163.8px;">Balance </div><div id="a6974" style="position:absolute;left:945.573px;top:163.8px;">Expense </div><div id="a6977" style="position:absolute;left:1006.627px;top:163.8px;">Rate </div><div id="a7026" style="position:absolute;font-weight:bold;left:19.2px;top:195px;">Interest earning assets: </div><div id="a7074" style="position:absolute;left:19.2px;top:210px;"><div style="display:inline-block;width:11.73px">&#160;</div>Cash equivalents </div><div id="a7079" style="position:absolute;font-weight:bold;left:218.2px;top:210px;">$ </div><div id="a7081" style="position:absolute;font-weight:bold;left:231.8px;top:210px;">1,929,024 </div><div id="a7084" style="position:absolute;font-weight:bold;left:285.133px;top:210px;">$ </div><div id="a7086" style="position:absolute;font-weight:bold;left:313.4px;top:210px;">613 </div><div id="a7089" style="position:absolute;font-weight:bold;left:347.267px;top:210px;">0.13 </div><div id="a7091" style="position:absolute;font-weight:bold;left:372.107px;top:210px;">% </div><div id="a7094" style="position:absolute;left:382.227px;top:210px;">$ </div><div id="a7096" style="position:absolute;left:395.84px;top:210px;">1,393,187 </div><div id="a7099" style="position:absolute;left:449.173px;top:210px;">$ </div><div id="a7101" style="position:absolute;left:477.427px;top:210px;">359 </div><div id="a7104" style="position:absolute;left:511.333px;top:210px;">0.10 </div><div id="a7106" style="position:absolute;left:536.133px;top:210px;">% </div><div id="a7109" style="position:absolute;left:547.067px;top:210px;">$ </div><div id="a7111" style="position:absolute;left:569.467px;top:210px;">943,581 </div><div id="a7114" style="position:absolute;left:614.267px;top:210px;">$ </div><div id="a7116" style="position:absolute;left:633.507px;top:210px;">2,788 </div><div id="a7119" style="position:absolute;left:676.44px;top:210px;">1.19 </div><div id="a7121" style="position:absolute;left:701.227px;top:210px;">% </div><div id="a7124" style="position:absolute;left:712.173px;top:210px;">$ </div><div id="a7126" style="position:absolute;left:734.56px;top:210px;">863,497 </div><div id="a7129" style="position:absolute;left:779.133px;top:210px;">$ </div><div id="a7131" style="position:absolute;left:798.6px;top:210px;">3,684 </div><div id="a7134" style="position:absolute;left:841.267px;top:210px;">1.69 </div><div id="a7136" style="position:absolute;left:866.067px;top:210px;">% </div><div id="a7139" style="position:absolute;left:874.333px;top:210px;">$ </div><div id="a7141" style="position:absolute;left:896.733px;top:210px;">734,105 </div><div id="a7144" style="position:absolute;left:941.293px;top:210px;">$ </div><div id="a7146" style="position:absolute;left:960.773px;top:210px;">4,086 </div><div id="a7149" style="position:absolute;left:1006.627px;top:210px;">2.21 </div><div id="a7151" style="position:absolute;left:1031.427px;top:210px;">% </div><div id="a7153" style="position:absolute;left:19.2px;top:225.2px;"><div style="display:inline-block;width:11.73px">&#160;</div>Investment securities </div><div id="a7159" style="position:absolute;font-weight:bold;left:240.6px;top:225.2px;">502,671 </div><div id="a7163" style="position:absolute;font-weight:bold;left:304.6px;top:225.2px;">2,278 </div><div id="a7166" style="position:absolute;font-weight:bold;left:347.267px;top:225.2px;">1.81 </div><div id="a7168" style="position:absolute;font-weight:bold;left:372.107px;top:225.2px;">% </div><div id="a7172" style="position:absolute;left:404.64px;top:225.2px;">611,907 </div><div id="a7176" style="position:absolute;left:468.627px;top:225.2px;">2,801 </div><div id="a7179" style="position:absolute;left:511.333px;top:225.2px;">1.83 </div><div id="a7181" style="position:absolute;left:536.133px;top:225.2px;">% </div><div id="a7185" style="position:absolute;left:569.467px;top:225.2px;">924,965 </div><div id="a7189" style="position:absolute;left:633.507px;top:225.2px;">4,474 </div><div id="a7192" style="position:absolute;left:676.44px;top:225.2px;">1.93 </div><div id="a7194" style="position:absolute;left:701.227px;top:225.2px;">% </div><div id="a7198" style="position:absolute;left:734.56px;top:225.2px;">522,811 </div><div id="a7202" style="position:absolute;left:798.6px;top:225.2px;">2,587 </div><div id="a7205" style="position:absolute;left:841.267px;top:225.2px;">1.98 </div><div id="a7207" style="position:absolute;left:866.067px;top:225.2px;">% </div><div id="a7211" style="position:absolute;left:896.733px;top:225.2px;">708,606 </div><div id="a7215" style="position:absolute;left:960.773px;top:225.2px;">3,797 </div><div id="a7218" style="position:absolute;left:1006.627px;top:225.2px;">2.14 </div><div id="a7220" style="position:absolute;left:1031.427px;top:225.2px;">% </div><div id="a7222" style="position:absolute;left:19.2px;top:240.1px;"><div style="display:inline-block;width:11.73px">&#160;</div>Loans held for investment </div><div id="a7225" style="position:absolute;font-size:8px;left:202.973px;top:242.8px;">(1) </div><div id="a7272" style="position:absolute;left:19.2px;top:255px;"><div style="display:inline-block;width:29.33px">&#160;</div>Non-PCD loans </div><div id="a7280" style="position:absolute;font-weight:bold;left:231.8px;top:255px;">4,870,753 </div><div id="a7284" style="position:absolute;font-weight:bold;left:298.733px;top:255px;">83,028 </div><div id="a7287" style="position:absolute;font-weight:bold;left:347.267px;top:255px;">6.78 </div><div id="a7289" style="position:absolute;font-weight:bold;left:372.107px;top:255px;">% </div><div id="a7293" style="position:absolute;left:395.84px;top:255px;">4,857,281 </div><div id="a7297" style="position:absolute;left:462.773px;top:255px;">83,832 </div><div id="a7300" style="position:absolute;left:511.333px;top:255px;">6.94 </div><div id="a7302" style="position:absolute;left:536.133px;top:255px;">% </div><div id="a7306" style="position:absolute;left:560.667px;top:255px;">4,613,878 </div><div id="a7310" style="position:absolute;left:627.6px;top:255px;">87,482 </div><div id="a7313" style="position:absolute;left:676.44px;top:255px;">7.63 </div><div id="a7315" style="position:absolute;left:701.227px;top:255px;">% </div><div id="a7319" style="position:absolute;left:725.773px;top:255px;">3,888,442 </div><div id="a7323" style="position:absolute;left:792.733px;top:255px;">74,142 </div><div id="a7326" style="position:absolute;left:841.267px;top:255px;">7.56 </div><div id="a7328" style="position:absolute;left:866.067px;top:255px;">% </div><div id="a7332" style="position:absolute;left:887.933px;top:255px;">3,873,743 </div><div id="a7336" style="position:absolute;left:954.893px;top:255px;">74,910 </div><div id="a7339" style="position:absolute;left:1006.627px;top:255px;">7.67 </div><div id="a7341" style="position:absolute;left:1031.427px;top:255px;">% </div><div id="a7343" style="position:absolute;left:19.2px;top:270px;"><div style="display:inline-block;width:29.33px">&#160;</div>PCD loans </div><div id="a7349" style="position:absolute;font-weight:bold;left:231.8px;top:270px;">1,916,269 </div><div id="a7353" style="position:absolute;font-weight:bold;left:298.733px;top:270px;">29,018 </div><div id="a7356" style="position:absolute;font-weight:bold;left:347.267px;top:270px;">6.06 </div><div id="a7358" style="position:absolute;font-weight:bold;left:372.107px;top:270px;">% </div><div id="a7362" style="position:absolute;left:395.84px;top:270px;">1,983,369 </div><div id="a7366" style="position:absolute;left:462.773px;top:270px;">34,700 </div><div id="a7369" style="position:absolute;left:511.333px;top:270px;">7.00 </div><div id="a7371" style="position:absolute;left:536.133px;top:270px;">% </div><div id="a7375" style="position:absolute;left:560.667px;top:270px;">2,073,997 </div><div id="a7379" style="position:absolute;left:627.6px;top:270px;">28,953 </div><div id="a7382" style="position:absolute;left:676.44px;top:270px;">5.58 </div><div id="a7384" style="position:absolute;left:701.227px;top:270px;">% </div><div id="a7388" style="position:absolute;left:734.56px;top:270px;">611,629 </div><div id="a7392" style="position:absolute;left:792.733px;top:270px;">10,762 </div><div id="a7395" style="position:absolute;left:841.267px;top:270px;">7.04 </div><div id="a7397" style="position:absolute;left:866.067px;top:270px;">% </div><div id="a7401" style="position:absolute;left:896.733px;top:270px;">665,302 </div><div id="a7405" style="position:absolute;left:954.893px;top:270px;">10,862 </div><div id="a7408" style="position:absolute;left:1006.627px;top:270px;">6.53 </div><div id="a7410" style="position:absolute;left:1031.427px;top:270px;">% </div><div id="a7412" style="position:absolute;left:19.2px;top:285.7px;"><div style="display:inline-block;width:35.47px">&#160;</div>Total loans </div><div id="a7418" style="position:absolute;font-weight:bold;left:231.8px;top:285.7px;">6,787,022 </div><div id="a7422" style="position:absolute;font-weight:bold;left:292.6px;top:285.7px;">112,046 </div><div id="a7425" style="position:absolute;font-weight:bold;left:347.267px;top:285.7px;">6.57 </div><div id="a7427" style="position:absolute;font-weight:bold;left:372.107px;top:285.7px;">% </div><div id="a7431" style="position:absolute;left:395.84px;top:285.7px;">6,840,650 </div><div id="a7435" style="position:absolute;left:456.627px;top:285.7px;">118,532 </div><div id="a7438" style="position:absolute;left:511.333px;top:285.7px;">6.97 </div><div id="a7440" style="position:absolute;left:536.133px;top:285.7px;">% </div><div id="a7444" style="position:absolute;left:560.667px;top:285.7px;">6,687,875 </div><div id="a7448" style="position:absolute;left:621.467px;top:285.7px;">116,435 </div><div id="a7451" style="position:absolute;left:676.44px;top:285.7px;">7.00 </div><div id="a7453" style="position:absolute;left:701.227px;top:285.7px;">% </div><div id="a7457" style="position:absolute;left:725.773px;top:285.7px;">4,500,071 </div><div id="a7461" style="position:absolute;left:792.733px;top:285.7px;">84,904 </div><div id="a7464" style="position:absolute;left:841.267px;top:285.7px;">7.49 </div><div id="a7466" style="position:absolute;left:866.067px;top:285.7px;">% </div><div id="a7470" style="position:absolute;left:887.933px;top:285.7px;">4,539,045 </div><div id="a7474" style="position:absolute;left:954.893px;top:285.7px;">85,772 </div><div id="a7477" style="position:absolute;left:1006.627px;top:285.7px;">7.50 </div><div id="a7479" style="position:absolute;left:1031.427px;top:285.7px;">% </div><div id="a7481" style="position:absolute;left:19.2px;top:301.5px;">Total interest-earning assets </div><div id="a7487" style="position:absolute;font-weight:bold;left:218.2px;top:301.5px;">$ </div><div id="a7489" style="position:absolute;font-weight:bold;left:231.8px;top:301.5px;">9,218,717 </div><div id="a7492" style="position:absolute;font-weight:bold;left:285.133px;top:301.5px;">$ </div><div id="a7494" style="position:absolute;font-weight:bold;left:292.6px;top:301.5px;">114,937 </div><div id="a7497" style="position:absolute;font-weight:bold;left:347.267px;top:301.5px;">4.96 </div><div id="a7499" style="position:absolute;font-weight:bold;left:372.107px;top:301.5px;">% </div><div id="a7502" style="position:absolute;left:382.227px;top:301.5px;">$ </div><div id="a7504" style="position:absolute;left:395.84px;top:301.5px;">8,845,744 </div><div id="a7507" style="position:absolute;left:449.173px;top:301.5px;">$ </div><div id="a7509" style="position:absolute;left:456.627px;top:301.5px;">121,692 </div><div id="a7512" style="position:absolute;left:511.333px;top:301.5px;">5.53 </div><div id="a7514" style="position:absolute;left:536.133px;top:301.5px;">% </div><div id="a7517" style="position:absolute;left:547.067px;top:301.5px;">$ </div><div id="a7519" style="position:absolute;left:560.667px;top:301.5px;">8,556,421 </div><div id="a7522" style="position:absolute;left:614.267px;top:301.5px;">$ </div><div id="a7524" style="position:absolute;left:621.467px;top:301.5px;">123,697 </div><div id="a7527" style="position:absolute;left:676.44px;top:301.5px;">5.81 </div><div id="a7529" style="position:absolute;left:701.227px;top:301.5px;">% </div><div id="a7532" style="position:absolute;left:712.173px;top:301.5px;">$ </div><div id="a7534" style="position:absolute;left:725.773px;top:301.5px;">5,886,379 </div><div id="a7537" style="position:absolute;left:779.133px;top:301.5px;">$ </div><div id="a7539" style="position:absolute;left:792.733px;top:301.5px;">91,175 </div><div id="a7542" style="position:absolute;left:841.267px;top:301.5px;">6.15 </div><div id="a7544" style="position:absolute;left:866.067px;top:301.5px;">% </div><div id="a7547" style="position:absolute;left:874.333px;top:301.5px;">$ </div><div id="a7549" style="position:absolute;left:887.933px;top:301.5px;">5,981,756 </div><div id="a7552" style="position:absolute;left:941.293px;top:301.5px;">$ </div><div id="a7554" style="position:absolute;left:954.893px;top:301.5px;">93,655 </div><div id="a7557" style="position:absolute;left:1006.627px;top:301.5px;">6.21 </div><div id="a7559" style="position:absolute;left:1031.427px;top:301.5px;">% </div><div id="a7608" style="position:absolute;font-weight:bold;left:19.2px;top:332.1px;">Interest bearing liabilities: </div><div id="a7656" style="position:absolute;left:19.2px;top:347.1px;"><div style="display:inline-block;width:11.73px">&#160;</div>Deposits </div><div id="a7705" style="position:absolute;left:19.2px;top:362px;"><div style="display:inline-block;width:23.47px">&#160;</div>NOW accounts </div><div id="a7710" style="position:absolute;font-weight:bold;left:218.2px;top:362px;">$ </div><div id="a7712" style="position:absolute;font-weight:bold;left:231.8px;top:362px;">2,227,687 </div><div id="a7715" style="position:absolute;font-weight:bold;left:285.133px;top:362px;">$ </div><div id="a7717" style="position:absolute;font-weight:bold;left:304.6px;top:362px;">2,247 </div><div id="a7720" style="position:absolute;font-weight:bold;left:347.267px;top:362px;">0.40 </div><div id="a7722" style="position:absolute;font-weight:bold;left:372.107px;top:362px;">% </div><div id="a7725" style="position:absolute;left:382.227px;top:362px;">$ </div><div id="a7727" style="position:absolute;left:395.84px;top:362px;">2,069,247 </div><div id="a7730" style="position:absolute;left:449.173px;top:362px;">$ </div><div id="a7732" style="position:absolute;left:468.627px;top:362px;">2,138 </div><div id="a7735" style="position:absolute;left:511.333px;top:362px;">0.42 </div><div id="a7737" style="position:absolute;left:536.133px;top:362px;">% </div><div id="a7740" style="position:absolute;left:547.067px;top:362px;">$ </div><div id="a7742" style="position:absolute;left:560.667px;top:362px;">1,980,505 </div><div id="a7745" style="position:absolute;left:614.267px;top:362px;">$ </div><div id="a7747" style="position:absolute;left:633.507px;top:362px;">2,389 </div><div id="a7750" style="position:absolute;left:676.44px;top:362px;">0.48 </div><div id="a7752" style="position:absolute;left:701.227px;top:362px;">% </div><div id="a7755" style="position:absolute;left:712.173px;top:362px;">$ </div><div id="a7757" style="position:absolute;left:725.773px;top:362px;">1,119,371 </div><div id="a7760" style="position:absolute;left:779.133px;top:362px;">$ </div><div id="a7762" style="position:absolute;left:798.6px;top:362px;">1,471 </div><div id="a7765" style="position:absolute;left:841.267px;top:362px;">0.52 </div><div id="a7767" style="position:absolute;left:866.067px;top:362px;">% </div><div id="a7770" style="position:absolute;left:874.333px;top:362px;">$ </div><div id="a7772" style="position:absolute;left:887.933px;top:362px;">1,118,214 </div><div id="a7775" style="position:absolute;left:941.293px;top:362px;">$ </div><div id="a7777" style="position:absolute;left:960.773px;top:362px;">1,616 </div><div id="a7780" style="position:absolute;left:1006.627px;top:362px;">0.57 </div><div id="a7782" style="position:absolute;left:1031.427px;top:362px;">% </div><div id="a7784" style="position:absolute;left:19.2px;top:377.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Savings accounts </div><div id="a7790" style="position:absolute;font-weight:bold;left:231.8px;top:377.2px;">1,927,680 </div><div id="a7794" style="position:absolute;font-weight:bold;left:304.6px;top:377.2px;">2,010 </div><div id="a7797" style="position:absolute;font-weight:bold;left:347.267px;top:377.2px;">0.41 </div><div id="a7799" style="position:absolute;font-weight:bold;left:372.107px;top:377.2px;">% </div><div id="a7803" style="position:absolute;left:395.84px;top:377.2px;">1,809,517 </div><div id="a7807" style="position:absolute;left:468.627px;top:377.2px;">1,976 </div><div id="a7810" style="position:absolute;left:511.333px;top:377.2px;">0.44 </div><div id="a7812" style="position:absolute;left:536.133px;top:377.2px;">% </div><div id="a7816" style="position:absolute;left:560.667px;top:377.2px;">1,797,658 </div><div id="a7820" style="position:absolute;left:633.507px;top:377.2px;">2,440 </div><div id="a7823" style="position:absolute;left:676.44px;top:377.2px;">0.55 </div><div id="a7825" style="position:absolute;left:701.227px;top:377.2px;">% </div><div id="a7829" style="position:absolute;left:725.773px;top:377.2px;">1,195,689 </div><div id="a7833" style="position:absolute;left:798.6px;top:377.2px;">1,843 </div><div id="a7836" style="position:absolute;left:841.267px;top:377.2px;">0.61 </div><div id="a7838" style="position:absolute;left:866.067px;top:377.2px;">% </div><div id="a7842" style="position:absolute;left:887.933px;top:377.2px;">1,199,678 </div><div id="a7846" style="position:absolute;left:960.773px;top:377.2px;">2,012 </div><div id="a7849" style="position:absolute;left:1006.627px;top:377.2px;">0.67 </div><div id="a7851" style="position:absolute;left:1031.427px;top:377.2px;">% </div><div id="a7853" style="position:absolute;left:19.2px;top:392.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Time deposits </div><div id="a7859" style="position:absolute;font-weight:bold;left:231.8px;top:392.2px;">1,944,856 </div><div id="a7863" style="position:absolute;font-weight:bold;left:304.6px;top:392.2px;">7,512 </div><div id="a7866" style="position:absolute;font-weight:bold;left:347.267px;top:392.2px;">1.54 </div><div id="a7868" style="position:absolute;font-weight:bold;left:372.107px;top:392.2px;">% </div><div id="a7872" style="position:absolute;left:395.84px;top:392.2px;">1,990,639 </div><div id="a7876" style="position:absolute;left:468.627px;top:392.2px;">7,835 </div><div id="a7879" style="position:absolute;left:511.333px;top:392.2px;">1.58 </div><div id="a7881" style="position:absolute;left:536.133px;top:392.2px;">% </div><div id="a7885" style="position:absolute;left:560.667px;top:392.2px;">2,039,311 </div><div id="a7889" style="position:absolute;left:633.507px;top:392.2px;">8,131 </div><div id="a7892" style="position:absolute;left:676.44px;top:392.2px;">1.60 </div><div id="a7894" style="position:absolute;left:701.227px;top:392.2px;">% </div><div id="a7898" style="position:absolute;left:725.773px;top:392.2px;">1,156,965 </div><div id="a7902" style="position:absolute;left:798.6px;top:392.2px;">4,442 </div><div id="a7905" style="position:absolute;left:841.267px;top:392.2px;">1.52 </div><div id="a7907" style="position:absolute;left:866.067px;top:392.2px;">% </div><div id="a7911" style="position:absolute;left:887.933px;top:392.2px;">1,151,248 </div><div id="a7915" style="position:absolute;left:960.773px;top:392.2px;">4,427 </div><div id="a7918" style="position:absolute;left:1006.627px;top:392.2px;">1.53 </div><div id="a7920" style="position:absolute;left:1031.427px;top:392.2px;">% </div><div id="a7922" style="position:absolute;left:19.2px;top:407.1px;"><div style="display:inline-block;width:23.47px">&#160;</div>Brokered deposits </div><div id="a7928" style="position:absolute;font-weight:bold;left:240.6px;top:407.1px;">140,416 </div><div id="a7932" style="position:absolute;font-weight:bold;left:313.4px;top:407.1px;">812 </div><div id="a7935" style="position:absolute;font-weight:bold;left:347.267px;top:407.1px;">2.30 </div><div id="a7937" style="position:absolute;font-weight:bold;left:372.107px;top:407.1px;">% </div><div id="a7941" style="position:absolute;left:404.64px;top:407.1px;">235,611 </div><div id="a7945" style="position:absolute;left:468.627px;top:407.1px;">1,446 </div><div id="a7948" style="position:absolute;left:511.333px;top:407.1px;">2.47 </div><div id="a7950" style="position:absolute;left:536.133px;top:407.1px;">% </div><div id="a7954" style="position:absolute;left:569.467px;top:407.1px;">236,008 </div><div id="a7958" style="position:absolute;left:633.507px;top:407.1px;">1,586 </div><div id="a7961" style="position:absolute;left:676.44px;top:407.1px;">2.70 </div><div id="a7963" style="position:absolute;left:701.227px;top:407.1px;">% </div><div id="a7967" style="position:absolute;left:734.56px;top:407.1px;">268,108 </div><div id="a7971" style="position:absolute;left:798.6px;top:407.1px;">1,804 </div><div id="a7974" style="position:absolute;left:841.267px;top:407.1px;">2.67 </div><div id="a7976" style="position:absolute;left:866.067px;top:407.1px;">% </div><div id="a7980" style="position:absolute;left:896.733px;top:407.1px;">358,130 </div><div id="a7984" style="position:absolute;left:960.773px;top:407.1px;">2,298 </div><div id="a7987" style="position:absolute;left:1006.627px;top:407.1px;">2.55 </div><div id="a7989" style="position:absolute;left:1031.427px;top:407.1px;">% </div><div id="a7995" style="position:absolute;font-weight:bold;left:231.8px;top:422.8px;">6,240,639 </div><div id="a7999" style="position:absolute;font-weight:bold;left:298.733px;top:422.8px;">12,581 </div><div id="a8002" style="position:absolute;font-weight:bold;left:347.267px;top:422.8px;">0.80 </div><div id="a8004" style="position:absolute;font-weight:bold;left:372.107px;top:422.8px;">% </div><div id="a8008" style="position:absolute;left:395.84px;top:422.8px;">6,105,014 </div><div id="a8012" style="position:absolute;left:462.773px;top:422.8px;">13,395 </div><div id="a8015" style="position:absolute;left:511.333px;top:422.8px;">0.88 </div><div id="a8017" style="position:absolute;left:536.133px;top:422.8px;">% </div><div id="a8021" style="position:absolute;left:560.667px;top:422.8px;">6,053,482 </div><div id="a8025" style="position:absolute;left:627.6px;top:422.8px;">14,546 </div><div id="a8028" style="position:absolute;left:676.44px;top:422.8px;">0.97 </div><div id="a8030" style="position:absolute;left:701.227px;top:422.8px;">% </div><div id="a8034" style="position:absolute;left:725.773px;top:422.8px;">3,740,133 </div><div id="a8038" style="position:absolute;left:798.6px;top:422.8px;">9,560 </div><div id="a8041" style="position:absolute;left:841.267px;top:422.8px;">1.01 </div><div id="a8043" style="position:absolute;left:866.067px;top:422.8px;">% </div><div id="a8047" style="position:absolute;left:887.933px;top:422.8px;">3,827,270 </div><div id="a8051" style="position:absolute;left:954.893px;top:422.8px;">10,353 </div><div id="a8054" style="position:absolute;left:1006.627px;top:422.8px;">1.07 </div><div id="a8056" style="position:absolute;left:1031.427px;top:422.8px;">% </div><div id="a8058" style="position:absolute;left:19.2px;top:440.4px;"><div style="display:inline-block;width:23.47px">&#160;</div>Non-interest bearing deposit </div><div id="a8062" style="position:absolute;left:19.2px;top:452.7px;">accounts </div><div id="a8067" style="position:absolute;font-weight:bold;left:231.8px;top:452.7px;">2,276,400 </div><div id="a8071" style="position:absolute;font-weight:bold;left:327.8px;top:452.7px;">- </div><div id="a8074" style="position:absolute;font-weight:bold;left:364.64px;top:452.7px;">- </div><div id="a8079" style="position:absolute;left:395.84px;top:452.7px;">1,983,092 </div><div id="a8083" style="position:absolute;left:491.867px;top:452.7px;">- </div><div id="a8086" style="position:absolute;left:528.667px;top:452.7px;">- </div><div id="a8091" style="position:absolute;left:560.667px;top:452.7px;">1,698,964 </div><div id="a8095" style="position:absolute;left:656.693px;top:452.7px;">- </div><div id="a8098" style="position:absolute;left:693.773px;top:452.7px;">- </div><div id="a8103" style="position:absolute;left:725.773px;top:452.7px;">1,110,847 </div><div id="a8107" style="position:absolute;left:821.8px;top:452.7px;">- </div><div id="a8110" style="position:absolute;left:858.6px;top:452.7px;">- </div><div id="a8115" style="position:absolute;left:887.933px;top:452.7px;">1,094,047 </div><div id="a8119" style="position:absolute;left:983.96px;top:452.7px;">- </div><div id="a8122" style="position:absolute;left:1023.973px;top:452.7px;">- </div><div id="a8125" style="position:absolute;left:19.2px;top:473.3px;"><div style="display:inline-block;width:23.47px">&#160;</div>Fair value premium amortization </div><div id="a8127" style="position:absolute;left:19.2px;top:485.5px;">and core deposit intangible </div><div id="a8128" style="position:absolute;left:19.2px;top:497.8px;">amortization </div><div id="a8133" style="position:absolute;font-weight:bold;left:275.8px;top:497.8px;">- </div><div id="a8137" style="position:absolute;font-weight:bold;left:304.6px;top:497.8px;">2,039 </div><div id="a8140" style="position:absolute;font-weight:bold;left:364.64px;top:497.8px;">- </div><div id="a8145" style="position:absolute;left:439.84px;top:497.8px;">- </div><div id="a8149" style="position:absolute;left:468.627px;top:497.8px;">2,051 </div><div id="a8152" style="position:absolute;left:528.667px;top:497.8px;">- </div><div id="a8157" style="position:absolute;left:604.667px;top:497.8px;">- </div><div id="a8161" style="position:absolute;left:633.507px;top:497.8px;">2,074 </div><div id="a8164" style="position:absolute;left:693.773px;top:497.8px;">- </div><div id="a8169" style="position:absolute;left:769.8px;top:497.8px;">- </div><div id="a8173" style="position:absolute;left:807.4px;top:497.8px;">201 </div><div id="a8176" style="position:absolute;left:858.6px;top:497.8px;">- </div><div id="a8181" style="position:absolute;left:931.96px;top:497.8px;">- </div><div id="a8185" style="position:absolute;left:969.573px;top:497.8px;">201 </div><div id="a8188" style="position:absolute;left:1023.973px;top:497.8px;">- </div><div id="a8191" style="position:absolute;left:19.2px;top:513.5px;"><div style="display:inline-block;width:35.47px">&#160;</div>Total deposits </div><div id="a8197" style="position:absolute;font-weight:bold;left:231.8px;top:513.5px;">8,517,039 </div><div id="a8201" style="position:absolute;font-weight:bold;left:298.733px;top:513.5px;">14,620 </div><div id="a8204" style="position:absolute;font-weight:bold;left:347.267px;top:513.5px;">0.68 </div><div id="a8206" style="position:absolute;font-weight:bold;left:372.107px;top:513.5px;">% </div><div id="a8210" style="position:absolute;left:395.84px;top:513.5px;">8,088,106 </div><div id="a8214" style="position:absolute;left:462.773px;top:513.5px;">15,446 </div><div id="a8217" style="position:absolute;left:511.333px;top:513.5px;">0.77 </div><div id="a8219" style="position:absolute;left:536.133px;top:513.5px;">% </div><div id="a8223" style="position:absolute;left:560.667px;top:513.5px;">7,752,446 </div><div id="a8227" style="position:absolute;left:627.6px;top:513.5px;">16,620 </div><div id="a8230" style="position:absolute;left:676.44px;top:513.5px;">0.86 </div><div id="a8232" style="position:absolute;left:701.227px;top:513.5px;">% </div><div id="a8236" style="position:absolute;left:725.773px;top:513.5px;">4,850,980 </div><div id="a8240" style="position:absolute;left:798.6px;top:513.5px;">9,761 </div><div id="a8243" style="position:absolute;left:841.267px;top:513.5px;">0.80 </div><div id="a8245" style="position:absolute;left:866.067px;top:513.5px;">% </div><div id="a8249" style="position:absolute;left:887.933px;top:513.5px;">4,921,317 </div><div id="a8253" style="position:absolute;left:954.893px;top:513.5px;">10,554 </div><div id="a8256" style="position:absolute;left:1006.627px;top:513.5px;">0.85 </div><div id="a8258" style="position:absolute;left:1031.427px;top:513.5px;">% </div><div id="a8260" style="position:absolute;left:19.2px;top:529.3px;"><div style="display:inline-block;width:11.73px">&#160;</div>Borrowings </div><div id="a8309" style="position:absolute;left:19.2px;top:546.9px;"><div style="display:inline-block;width:23.47px">&#160;</div>Securities sold under agreements </div><div id="a8311" style="position:absolute;left:19.2px;top:559.1px;">to repurchase </div><div id="a8316" style="position:absolute;font-weight:bold;left:275.8px;top:559.1px;">- </div><div id="a8320" style="position:absolute;font-weight:bold;left:327.8px;top:559.1px;">- </div><div id="a8323" style="position:absolute;font-weight:bold;left:364.64px;top:559.1px;">- </div><div id="a8325" style="position:absolute;font-weight:bold;left:372.107px;top:559.1px;">% </div><div id="a8329" style="position:absolute;left:410.773px;top:559.1px;">46,154 </div><div id="a8333" style="position:absolute;left:477.427px;top:559.1px;">334 </div><div id="a8336" style="position:absolute;left:511.333px;top:559.1px;">2.91 </div><div id="a8338" style="position:absolute;left:536.133px;top:559.1px;">% </div><div id="a8342" style="position:absolute;left:569.467px;top:559.1px;">158,462 </div><div id="a8346" style="position:absolute;left:633.507px;top:559.1px;">1,002 </div><div id="a8349" style="position:absolute;left:676.44px;top:559.1px;">2.54 </div><div id="a8351" style="position:absolute;left:701.227px;top:559.1px;">% </div><div id="a8355" style="position:absolute;left:734.56px;top:559.1px;">190,000 </div><div id="a8359" style="position:absolute;left:798.6px;top:559.1px;">1,189 </div><div id="a8362" style="position:absolute;left:841.267px;top:559.1px;">2.48 </div><div id="a8364" style="position:absolute;left:866.067px;top:559.1px;">% </div><div id="a8368" style="position:absolute;left:896.733px;top:559.1px;">224,783 </div><div id="a8372" style="position:absolute;left:960.773px;top:559.1px;">1,342 </div><div id="a8375" style="position:absolute;left:1006.627px;top:559.1px;">2.37 </div><div id="a8377" style="position:absolute;left:1031.427px;top:559.1px;">% </div><div id="a8379" style="position:absolute;left:19.2px;top:577px;"><div style="display:inline-block;width:23.47px">&#160;</div>Advances from FHLB and other </div><div id="a8381" style="position:absolute;left:19.2px;top:589.3px;">borrowings </div><div id="a8386" style="position:absolute;font-weight:bold;left:246.733px;top:589.3px;">66,833 </div><div id="a8390" style="position:absolute;font-weight:bold;left:313.4px;top:589.3px;">476 </div><div id="a8393" style="position:absolute;font-weight:bold;left:347.267px;top:589.3px;">2.83 </div><div id="a8395" style="position:absolute;font-weight:bold;left:372.107px;top:589.3px;">% </div><div id="a8399" style="position:absolute;left:410.773px;top:589.3px;">75,432 </div><div id="a8403" style="position:absolute;left:477.427px;top:589.3px;">505 </div><div id="a8406" style="position:absolute;left:511.333px;top:589.3px;">2.69 </div><div id="a8408" style="position:absolute;left:536.133px;top:589.3px;">% </div><div id="a8412" style="position:absolute;left:575.6px;top:589.3px;">77,255 </div><div id="a8416" style="position:absolute;left:642.307px;top:589.3px;">539 </div><div id="a8419" style="position:absolute;left:676.44px;top:589.3px;">2.81 </div><div id="a8421" style="position:absolute;left:701.227px;top:589.3px;">% </div><div id="a8425" style="position:absolute;left:740.693px;top:589.3px;">78,282 </div><div id="a8429" style="position:absolute;left:807.4px;top:589.3px;">541 </div><div id="a8432" style="position:absolute;left:841.267px;top:589.3px;">2.74 </div><div id="a8434" style="position:absolute;left:866.067px;top:589.3px;">% </div><div id="a8438" style="position:absolute;left:902.867px;top:589.3px;">79,328 </div><div id="a8442" style="position:absolute;left:969.573px;top:589.3px;">550 </div><div id="a8445" style="position:absolute;left:1006.627px;top:589.3px;">2.75 </div><div id="a8447" style="position:absolute;left:1031.427px;top:589.3px;">% </div><div id="a8449" style="position:absolute;left:19.2px;top:604.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Subordinated capital notes </div><div id="a8455" style="position:absolute;font-weight:bold;left:246.733px;top:604.2px;">36,083 </div><div id="a8459" style="position:absolute;font-weight:bold;left:313.4px;top:604.2px;">308 </div><div id="a8462" style="position:absolute;font-weight:bold;left:347.267px;top:604.2px;">3.39 </div><div id="a8464" style="position:absolute;font-weight:bold;left:372.107px;top:604.2px;">% </div><div id="a8468" style="position:absolute;left:410.773px;top:604.2px;">36,083 </div><div id="a8472" style="position:absolute;left:477.427px;top:604.2px;">347 </div><div id="a8475" style="position:absolute;left:511.333px;top:604.2px;">3.87 </div><div id="a8477" style="position:absolute;left:536.133px;top:604.2px;">% </div><div id="a8481" style="position:absolute;left:575.6px;top:604.2px;">36,083 </div><div id="a8485" style="position:absolute;left:642.307px;top:604.2px;">435 </div><div id="a8488" style="position:absolute;left:676.44px;top:604.2px;">4.85 </div><div id="a8490" style="position:absolute;left:701.227px;top:604.2px;">% </div><div id="a8494" style="position:absolute;left:740.693px;top:604.2px;">36,083 </div><div id="a8498" style="position:absolute;left:807.4px;top:604.2px;">475 </div><div id="a8501" style="position:absolute;left:841.267px;top:604.2px;">5.22 </div><div id="a8503" style="position:absolute;left:866.067px;top:604.2px;">% </div><div id="a8507" style="position:absolute;left:902.867px;top:604.2px;">36,083 </div><div id="a8511" style="position:absolute;left:969.573px;top:604.2px;">499 </div><div id="a8514" style="position:absolute;left:1006.627px;top:604.2px;">5.49 </div><div id="a8516" style="position:absolute;left:1031.427px;top:604.2px;">% </div><div id="a8518" style="position:absolute;left:19.2px;top:620px;"><div style="display:inline-block;width:35.47px">&#160;</div>Total borrowings </div><div id="a8524" style="position:absolute;font-weight:bold;left:240.6px;top:620px;">102,916 </div><div id="a8528" style="position:absolute;font-weight:bold;left:313.4px;top:620px;">784 </div><div id="a8531" style="position:absolute;font-weight:bold;left:347.267px;top:620px;">3.03 </div><div id="a8533" style="position:absolute;font-weight:bold;left:372.107px;top:620px;">% </div><div id="a8537" style="position:absolute;left:404.64px;top:620px;">157,669 </div><div id="a8541" style="position:absolute;left:468.627px;top:620px;">1,186 </div><div id="a8544" style="position:absolute;left:511.333px;top:620px;">3.03 </div><div id="a8546" style="position:absolute;left:536.133px;top:620px;">% </div><div id="a8550" style="position:absolute;left:569.467px;top:620px;">271,800 </div><div id="a8554" style="position:absolute;left:633.507px;top:620px;">1,976 </div><div id="a8557" style="position:absolute;left:676.44px;top:620px;">2.92 </div><div id="a8559" style="position:absolute;left:701.227px;top:620px;">% </div><div id="a8563" style="position:absolute;left:734.56px;top:620px;">304,365 </div><div id="a8567" style="position:absolute;left:798.6px;top:620px;">2,205 </div><div id="a8570" style="position:absolute;left:841.267px;top:620px;">2.87 </div><div id="a8572" style="position:absolute;left:866.067px;top:620px;">% </div><div id="a8576" style="position:absolute;left:896.733px;top:620px;">340,194 </div><div id="a8580" style="position:absolute;left:960.773px;top:620px;">2,391 </div><div id="a8583" style="position:absolute;left:1006.627px;top:620px;">2.79 </div><div id="a8585" style="position:absolute;left:1031.427px;top:620px;">% </div><div id="a8587" style="position:absolute;left:19.2px;top:635.4px;">Total interest-bearing liabilities </div><div id="a8593" style="position:absolute;font-weight:bold;left:218.2px;top:635.4px;">$ </div><div id="a8595" style="position:absolute;font-weight:bold;left:231.8px;top:635.4px;">8,619,955 </div><div id="a8598" style="position:absolute;left:285.133px;top:635.4px;">$ </div><div id="a8600" style="position:absolute;font-weight:bold;left:298.733px;top:635.4px;">15,404 </div><div id="a8603" style="position:absolute;font-weight:bold;left:347.267px;top:635.4px;">0.71 </div><div id="a8605" style="position:absolute;font-weight:bold;left:372.107px;top:635.4px;">% </div><div id="a8608" style="position:absolute;left:382.227px;top:635.4px;">$ </div><div id="a8610" style="position:absolute;left:395.84px;top:635.4px;">8,245,775 </div><div id="a8613" style="position:absolute;left:449.173px;top:635.4px;">$ </div><div id="a8615" style="position:absolute;left:462.773px;top:635.4px;">16,632 </div><div id="a8618" style="position:absolute;left:511.333px;top:635.4px;">0.81 </div><div id="a8620" style="position:absolute;left:536.133px;top:635.4px;">% </div><div id="a8623" style="position:absolute;left:547.067px;top:635.4px;">$ </div><div id="a8625" style="position:absolute;left:560.667px;top:635.4px;">8,024,246 </div><div id="a8628" style="position:absolute;left:614.267px;top:635.4px;">$ </div><div id="a8630" style="position:absolute;left:627.6px;top:635.4px;">18,596 </div><div id="a8633" style="position:absolute;left:676.44px;top:635.4px;">0.93 </div><div id="a8635" style="position:absolute;left:701.227px;top:635.4px;">% </div><div id="a8638" style="position:absolute;left:712.173px;top:635.4px;">$ </div><div id="a8640" style="position:absolute;left:725.773px;top:635.4px;">5,155,345 </div><div id="a8643" style="position:absolute;left:779.133px;top:635.4px;">$ </div><div id="a8645" style="position:absolute;left:792.733px;top:635.4px;">11,966 </div><div id="a8648" style="position:absolute;left:841.267px;top:635.4px;">0.92 </div><div id="a8650" style="position:absolute;left:866.067px;top:635.4px;">% </div><div id="a8653" style="position:absolute;left:874.333px;top:635.4px;">$ </div><div id="a8655" style="position:absolute;left:887.933px;top:635.4px;">5,261,511 </div><div id="a8658" style="position:absolute;left:941.293px;top:635.4px;">$ </div><div id="a8660" style="position:absolute;left:954.893px;top:635.4px;">12,945 </div><div id="a8663" style="position:absolute;left:1006.627px;top:635.4px;">0.98 </div><div id="a8665" style="position:absolute;left:1031.427px;top:635.4px;">% </div><div id="a8667" style="position:absolute;left:19.2px;top:652.2px;">Interest rate spread </div><div id="a8674" style="position:absolute;font-weight:bold;left:285.133px;top:652.2px;">$ </div><div id="a8676" style="position:absolute;font-weight:bold;left:298.733px;top:652.2px;">99,533 </div><div id="a8679" style="position:absolute;font-weight:bold;left:347.267px;top:652.2px;">4.25 </div><div id="a8681" style="position:absolute;font-weight:bold;left:372.107px;top:652.2px;">% </div><div id="a8687" style="position:absolute;left:449.173px;top:652.2px;">$ </div><div id="a8689" style="position:absolute;left:456.627px;top:652.2px;">105,060 </div><div id="a8692" style="position:absolute;left:511.333px;top:652.2px;">4.72 </div><div id="a8694" style="position:absolute;left:536.133px;top:652.2px;">% </div><div id="a8700" style="position:absolute;left:614.267px;top:652.2px;">$ </div><div id="a8702" style="position:absolute;left:621.467px;top:652.2px;">105,101 </div><div id="a8705" style="position:absolute;left:676.44px;top:652.2px;">4.88 </div><div id="a8707" style="position:absolute;left:701.227px;top:652.2px;">% </div><div id="a8713" style="position:absolute;left:779.133px;top:652.2px;">$ </div><div id="a8715" style="position:absolute;left:792.733px;top:652.2px;">79,209 </div><div id="a8718" style="position:absolute;left:841.267px;top:652.2px;">5.23 </div><div id="a8720" style="position:absolute;left:866.067px;top:652.2px;">% </div><div id="a8726" style="position:absolute;left:941.293px;top:652.2px;">$ </div><div id="a8728" style="position:absolute;left:954.893px;top:652.2px;">80,710 </div><div id="a8731" style="position:absolute;left:1006.627px;top:652.2px;">5.23 </div><div id="a8733" style="position:absolute;left:1031.427px;top:652.2px;">% </div><div id="a8735" style="position:absolute;left:19.2px;top:672.2px;">Net interest margin </div><div id="a8745" style="position:absolute;font-weight:bold;left:347.267px;top:672.2px;">4.30 </div><div id="a8747" style="position:absolute;font-weight:bold;left:372.107px;top:672.2px;">% </div><div id="a8756" style="position:absolute;left:511.333px;top:672.2px;">4.78 </div><div id="a8758" style="position:absolute;left:536.133px;top:672.2px;">% </div><div id="a8767" style="position:absolute;left:676.44px;top:672.2px;">4.94 </div><div id="a8769" style="position:absolute;left:701.227px;top:672.2px;">% </div><div id="a8778" style="position:absolute;left:841.267px;top:672.2px;">5.34 </div><div id="a8780" style="position:absolute;left:866.067px;top:672.2px;">% </div><div id="a8789" style="position:absolute;left:1006.627px;top:672.2px;">5.35 </div><div id="a8791" style="position:absolute;left:1031.427px;top:672.2px;">% </div><div id="a8840" style="position:absolute;font-weight:bold;left:19.2px;top:707.2px;">SOP loan cost recoveries (interest </div><div id="a8841" style="position:absolute;font-weight:bold;left:19.2px;top:719.5px;">recoveries in 2Q and 3Q 2020) </div><div id="a8848" style="position:absolute;font-weight:bold;left:285.133px;top:719.5px;">$ </div><div id="a8850" style="position:absolute;left:313.4px;top:719.5px;">469 </div><div id="a8859" style="position:absolute;left:449.173px;top:719.5px;">$ </div><div id="a8861" style="position:absolute;left:468.627px;top:719.5px;">5,982 </div><div id="a8870" style="position:absolute;left:614.267px;top:719.5px;">$ </div><div id="a8872" style="position:absolute;left:656.693px;top:719.5px;">- </div><div id="a8881" style="position:absolute;left:779.133px;top:719.5px;">$ </div><div id="a8883" style="position:absolute;left:798.6px;top:719.5px;">1,033 </div><div id="a8892" style="position:absolute;left:941.293px;top:719.5px;">$ </div><div id="a8894" style="position:absolute;left:969.573px;top:719.5px;">371 </div></div>
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<div style="position:absolute; width:50.2px; height:1px; left:449.2px; top:63.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50.1px; height:1px; left:285.1px; top:63.2px; background-color:#000000;">&#160;</div>
<div id="a8899" style="position:absolute;font-size:13.333px;left:19.2px;top:48.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a8901" style="position:absolute;font-size:13.333px;left:19.2px;top:753.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a8903" style="position:absolute;font-weight:bold;left:19.2px;top:80.1px;">Adjusted excluding cost/interests </div><div id="a8904" style="position:absolute;font-weight:bold;left:19.2px;top:92.3px;">recoveries (Non-GAAP): </div><div id="a8954" style="position:absolute;left:19.2px;top:107.3px;">Total interest-earning assets </div><div id="a8960" style="position:absolute;font-weight:bold;left:218.2px;top:107.3px;">$ </div><div id="a8962" style="position:absolute;font-weight:bold;left:231.8px;top:107.3px;">9,218,717 </div><div id="a8965" style="position:absolute;font-weight:bold;left:285.133px;top:107.3px;">$ </div><div id="a8967" style="position:absolute;font-weight:bold;left:292.6px;top:107.3px;">114,468 </div><div id="a8970" style="position:absolute;font-weight:bold;left:347.267px;top:107.3px;">4.94 </div><div id="a8972" style="position:absolute;font-weight:bold;left:372.107px;top:107.3px;">% </div><div id="a8975" style="position:absolute;left:382.227px;top:107.3px;">$ </div><div id="a8977" style="position:absolute;left:395.84px;top:107.3px;">8,845,744 </div><div id="a8980" style="position:absolute;left:449.173px;top:107.3px;">$ </div><div id="a8982" style="position:absolute;left:456.627px;top:107.3px;">115,710 </div><div id="a8985" style="position:absolute;left:511.333px;top:107.3px;">5.26 </div><div id="a8987" style="position:absolute;left:536.133px;top:107.3px;">% </div><div id="a8990" style="position:absolute;left:547.067px;top:107.3px;">$ </div><div id="a8992" style="position:absolute;left:560.667px;top:107.3px;">8,556,421 </div><div id="a8995" style="position:absolute;left:614.267px;top:107.3px;">$ </div><div id="a8997" style="position:absolute;left:621.467px;top:107.3px;">123,697 </div><div id="a9000" style="position:absolute;left:676.44px;top:107.3px;">5.81 </div><div id="a9002" style="position:absolute;left:701.227px;top:107.3px;">% </div><div id="a9005" style="position:absolute;left:712.173px;top:107.3px;">$ </div><div id="a9007" style="position:absolute;left:725.773px;top:107.3px;">5,886,379 </div><div id="a9010" style="position:absolute;left:779.133px;top:107.3px;">$ </div><div id="a9012" style="position:absolute;left:792.733px;top:107.3px;">90,142 </div><div id="a9015" style="position:absolute;left:841.267px;top:107.3px;">6.08 </div><div id="a9017" style="position:absolute;left:866.067px;top:107.3px;">% </div><div id="a9020" style="position:absolute;left:874.333px;top:107.3px;">$ </div><div id="a9022" style="position:absolute;left:887.933px;top:107.3px;">5,981,756 </div><div id="a9025" style="position:absolute;left:941.293px;top:107.3px;">$ </div><div id="a9027" style="position:absolute;left:954.893px;top:107.3px;">93,284 </div><div id="a9030" style="position:absolute;left:1006.627px;top:107.3px;">6.19 </div><div id="a9032" style="position:absolute;left:1031.427px;top:107.3px;">% </div><div id="a9034" style="position:absolute;left:19.2px;top:124.1px;">Interest rate spread </div><div id="a9041" style="position:absolute;font-weight:bold;left:285.133px;top:124.1px;">$ </div><div id="a9043" style="position:absolute;font-weight:bold;left:298.733px;top:124.1px;">99,064 </div><div id="a9046" style="position:absolute;font-weight:bold;left:347.267px;top:124.1px;">4.23 </div><div id="a9048" style="position:absolute;font-weight:bold;left:372.107px;top:124.1px;">% </div><div id="a9054" style="position:absolute;left:449.173px;top:124.1px;">$ </div><div id="a9056" style="position:absolute;left:462.773px;top:124.1px;">99,078 </div><div id="a9059" style="position:absolute;left:511.333px;top:124.1px;">4.45 </div><div id="a9061" style="position:absolute;left:536.133px;top:124.1px;">% </div><div id="a9067" style="position:absolute;left:614.267px;top:124.1px;">$ </div><div id="a9069" style="position:absolute;left:621.467px;top:124.1px;">105,101 </div><div id="a9072" style="position:absolute;left:676.44px;top:124.1px;">4.88 </div><div id="a9074" style="position:absolute;left:701.227px;top:124.1px;">% </div><div id="a9080" style="position:absolute;left:779.133px;top:124.1px;">$ </div><div id="a9082" style="position:absolute;left:792.733px;top:124.1px;">78,176 </div><div id="a9085" style="position:absolute;left:841.267px;top:124.1px;">5.16 </div><div id="a9087" style="position:absolute;left:866.067px;top:124.1px;">% </div><div id="a9093" style="position:absolute;left:941.293px;top:124.1px;">$ </div><div id="a9095" style="position:absolute;left:954.893px;top:124.1px;">80,339 </div><div id="a9098" style="position:absolute;left:1006.627px;top:124.1px;">5.21 </div><div id="a9100" style="position:absolute;left:1031.427px;top:124.1px;">% </div><div id="a9102" style="position:absolute;left:19.2px;top:144.1px;">Net interest margin </div><div id="a9112" style="position:absolute;font-weight:bold;left:347.267px;top:144.1px;">4.28 </div><div id="a9114" style="position:absolute;font-weight:bold;left:372.107px;top:144.1px;">% </div><div id="a9123" style="position:absolute;left:511.333px;top:144.1px;">4.50 </div><div id="a9125" style="position:absolute;left:536.133px;top:144.1px;">% </div><div id="a9134" style="position:absolute;left:676.44px;top:144.1px;">4.94 </div><div id="a9136" style="position:absolute;left:701.227px;top:144.1px;">% </div><div id="a9145" style="position:absolute;left:841.267px;top:144.1px;">5.27 </div><div id="a9147" style="position:absolute;left:866.067px;top:144.1px;">% </div><div id="a9156" style="position:absolute;left:1006.627px;top:144.1px;">5.33 </div><div id="a9158" style="position:absolute;left:1031.427px;top:144.1px;">% </div><div id="a9207" style="position:absolute;font-weight:bold;left:19.2px;top:178px;">Core deposits: (Non-GAAP) </div><div id="a9257" style="position:absolute;left:19.2px;top:193.2px;"><div style="display:inline-block;width:11.73px">&#160;</div>Deposits </div><div id="a9306" style="position:absolute;left:19.2px;top:208.1px;"><div style="display:inline-block;width:23.47px">&#160;</div>NOW accounts </div><div id="a9311" style="position:absolute;font-weight:bold;left:218.2px;top:208.1px;">$ </div><div id="a9313" style="position:absolute;font-weight:bold;left:231.8px;top:208.1px;">2,227,687 </div><div id="a9316" style="position:absolute;font-weight:bold;left:285.133px;top:208.1px;">$ </div><div id="a9318" style="position:absolute;font-weight:bold;left:304.6px;top:208.1px;">2,247 </div><div id="a9321" style="position:absolute;font-weight:bold;left:347.267px;top:208.1px;">0.40 </div><div id="a9323" style="position:absolute;font-weight:bold;left:372.107px;top:208.1px;">% </div><div id="a9326" style="position:absolute;left:382.227px;top:208.1px;">$ </div><div id="a9328" style="position:absolute;left:395.84px;top:208.1px;">2,069,247 </div><div id="a9331" style="position:absolute;left:449.173px;top:208.1px;">$ </div><div id="a9333" style="position:absolute;left:468.627px;top:208.1px;">2,138 </div><div id="a9336" style="position:absolute;left:511.333px;top:208.1px;">0.42 </div><div id="a9338" style="position:absolute;left:536.133px;top:208.1px;">% </div><div id="a9341" style="position:absolute;left:547.067px;top:208.1px;">$ </div><div id="a9343" style="position:absolute;left:560.667px;top:208.1px;">1,980,505 </div><div id="a9346" style="position:absolute;left:614.267px;top:208.1px;">$ </div><div id="a9348" style="position:absolute;left:633.507px;top:208.1px;">2,389 </div><div id="a9351" style="position:absolute;left:676.44px;top:208.1px;">0.48 </div><div id="a9353" style="position:absolute;left:701.227px;top:208.1px;">% </div><div id="a9356" style="position:absolute;left:712.173px;top:208.1px;">$ </div><div id="a9358" style="position:absolute;left:725.773px;top:208.1px;">1,119,371 </div><div id="a9361" style="position:absolute;left:779.133px;top:208.1px;">$ </div><div id="a9363" style="position:absolute;left:798.6px;top:208.1px;">1,471 </div><div id="a9366" style="position:absolute;left:841.267px;top:208.1px;">0.52 </div><div id="a9368" style="position:absolute;left:866.067px;top:208.1px;">% </div><div id="a9371" style="position:absolute;left:874.333px;top:208.1px;">$ </div><div id="a9373" style="position:absolute;left:887.933px;top:208.1px;">1,118,214 </div><div id="a9376" style="position:absolute;left:941.293px;top:208.1px;">$ </div><div id="a9378" style="position:absolute;left:960.773px;top:208.1px;">1,616 </div><div id="a9381" style="position:absolute;left:1006.627px;top:208.1px;">0.57 </div><div id="a9383" style="position:absolute;left:1031.427px;top:208.1px;">% </div><div id="a9385" style="position:absolute;left:19.2px;top:223px;"><div style="display:inline-block;width:23.47px">&#160;</div>Savings accounts </div><div id="a9391" style="position:absolute;font-weight:bold;left:231.8px;top:223px;">1,927,680 </div><div id="a9395" style="position:absolute;font-weight:bold;left:304.6px;top:223px;">2,010 </div><div id="a9398" style="position:absolute;font-weight:bold;left:347.267px;top:223px;">0.41 </div><div id="a9400" style="position:absolute;font-weight:bold;left:372.107px;top:223px;">% </div><div id="a9404" style="position:absolute;left:395.84px;top:223px;">1,809,517 </div><div id="a9408" style="position:absolute;left:468.627px;top:223px;">1,976 </div><div id="a9411" style="position:absolute;left:511.333px;top:223px;">0.44 </div><div id="a9413" style="position:absolute;left:536.133px;top:223px;">% </div><div id="a9417" style="position:absolute;left:560.667px;top:223px;">1,797,658 </div><div id="a9421" style="position:absolute;left:633.507px;top:223px;">2,440 </div><div id="a9424" style="position:absolute;left:676.44px;top:223px;">0.55 </div><div id="a9426" style="position:absolute;left:701.227px;top:223px;">% </div><div id="a9430" style="position:absolute;left:725.773px;top:223px;">1,195,689 </div><div id="a9434" style="position:absolute;left:798.6px;top:223px;">1,843 </div><div id="a9437" style="position:absolute;left:841.267px;top:223px;">0.61 </div><div id="a9439" style="position:absolute;left:866.067px;top:223px;">% </div><div id="a9443" style="position:absolute;left:887.933px;top:223px;">1,199,678 </div><div id="a9447" style="position:absolute;left:960.773px;top:223px;">2,012 </div><div id="a9450" style="position:absolute;left:1006.627px;top:223px;">0.67 </div><div id="a9452" style="position:absolute;left:1031.427px;top:223px;">% </div><div id="a9454" style="position:absolute;left:19.2px;top:238px;"><div style="display:inline-block;width:23.47px">&#160;</div>Time deposits </div><div id="a9460" style="position:absolute;font-weight:bold;left:231.8px;top:238px;">1,944,856 </div><div id="a9464" style="position:absolute;font-weight:bold;left:304.6px;top:238px;">7,512 </div><div id="a9467" style="position:absolute;font-weight:bold;left:347.267px;top:238px;">1.54 </div><div id="a9469" style="position:absolute;font-weight:bold;left:372.107px;top:238px;">% </div><div id="a9473" style="position:absolute;left:395.84px;top:238px;">1,990,639 </div><div id="a9477" style="position:absolute;left:468.627px;top:238px;">7,835 </div><div id="a9480" style="position:absolute;left:511.333px;top:238px;">1.58 </div><div id="a9482" style="position:absolute;left:536.133px;top:238px;">% </div><div id="a9486" style="position:absolute;left:560.667px;top:238px;">2,039,311 </div><div id="a9490" style="position:absolute;left:633.507px;top:238px;">8,131 </div><div id="a9493" style="position:absolute;left:676.44px;top:238px;">1.60 </div><div id="a9495" style="position:absolute;left:701.227px;top:238px;">% </div><div id="a9499" style="position:absolute;left:725.773px;top:238px;">1,156,965 </div><div id="a9503" style="position:absolute;left:798.6px;top:238px;">4,442 </div><div id="a9506" style="position:absolute;left:841.267px;top:238px;">1.52 </div><div id="a9508" style="position:absolute;left:866.067px;top:238px;">% </div><div id="a9512" style="position:absolute;left:887.933px;top:238px;">1,151,248 </div><div id="a9516" style="position:absolute;left:960.773px;top:238px;">4,427 </div><div id="a9519" style="position:absolute;left:1006.627px;top:238px;">1.53 </div><div id="a9521" style="position:absolute;left:1031.427px;top:238px;">% </div><div id="a9527" style="position:absolute;font-weight:bold;left:231.8px;top:253.7px;">6,100,223 </div><div id="a9531" style="position:absolute;font-weight:bold;left:298.733px;top:253.7px;">11,769 </div><div id="a9534" style="position:absolute;font-weight:bold;left:347.267px;top:253.7px;">0.77 </div><div id="a9536" style="position:absolute;font-weight:bold;left:372.107px;top:253.7px;">% </div><div id="a9540" style="position:absolute;left:395.84px;top:253.7px;">5,869,403 </div><div id="a9544" style="position:absolute;left:462.773px;top:253.7px;">11,949 </div><div id="a9547" style="position:absolute;left:511.333px;top:253.7px;">0.82 </div><div id="a9549" style="position:absolute;left:536.133px;top:253.7px;">% </div><div id="a9553" style="position:absolute;left:560.667px;top:253.7px;">5,817,474 </div><div id="a9557" style="position:absolute;left:627.6px;top:253.7px;">12,960 </div><div id="a9560" style="position:absolute;left:676.44px;top:253.7px;">0.90 </div><div id="a9562" style="position:absolute;left:701.227px;top:253.7px;">% </div><div id="a9566" style="position:absolute;left:725.773px;top:253.7px;">3,472,025 </div><div id="a9570" style="position:absolute;left:798.6px;top:253.7px;">7,756 </div><div id="a9573" style="position:absolute;left:841.267px;top:253.7px;">0.89 </div><div id="a9575" style="position:absolute;left:866.067px;top:253.7px;">% </div><div id="a9579" style="position:absolute;left:887.933px;top:253.7px;">3,469,140 </div><div id="a9583" style="position:absolute;left:960.773px;top:253.7px;">8,055 </div><div id="a9586" style="position:absolute;left:1006.627px;top:253.7px;">0.92 </div><div id="a9588" style="position:absolute;left:1031.427px;top:253.7px;">% </div><div id="a9590" style="position:absolute;left:19.2px;top:271.6px;"><div style="display:inline-block;width:23.47px">&#160;</div>Non-interest bearing deposit </div><div id="a9594" style="position:absolute;left:19.2px;top:283.9px;">accounts </div><div id="a9599" style="position:absolute;font-weight:bold;left:231.8px;top:283.9px;">2,276,400 </div><div id="a9603" style="position:absolute;font-weight:bold;left:327.8px;top:283.9px;">- </div><div id="a9606" style="position:absolute;font-weight:bold;left:364.64px;top:283.9px;">- </div><div id="a9611" style="position:absolute;left:395.84px;top:283.9px;">1,983,092 </div><div id="a9615" style="position:absolute;left:491.867px;top:283.9px;">- </div><div id="a9618" style="position:absolute;left:528.667px;top:283.9px;">- </div><div id="a9623" style="position:absolute;left:560.667px;top:283.9px;">1,698,964 </div><div id="a9627" style="position:absolute;left:656.693px;top:283.9px;">- </div><div id="a9630" style="position:absolute;left:693.773px;top:283.9px;">- </div><div id="a9635" style="position:absolute;left:725.773px;top:283.9px;">1,110,847 </div><div id="a9639" style="position:absolute;left:821.8px;top:283.9px;">- </div><div id="a9642" style="position:absolute;left:858.6px;top:283.9px;">- </div><div id="a9647" style="position:absolute;left:887.933px;top:283.9px;">1,094,047 </div><div id="a9651" style="position:absolute;left:983.96px;top:283.9px;">- </div><div id="a9654" style="position:absolute;left:1023.973px;top:283.9px;">- </div><div id="a9657" style="position:absolute;left:19.2px;top:299.3px;"><div style="display:inline-block;width:35.47px">&#160;</div>Total core deposits </div><div id="a9662" style="position:absolute;font-weight:bold;left:218.2px;top:299.3px;">$ </div><div id="a9664" style="position:absolute;font-weight:bold;left:231.8px;top:299.3px;">8,376,623 </div><div id="a9667" style="position:absolute;font-weight:bold;left:285.133px;top:299.3px;">$ </div><div id="a9669" style="position:absolute;font-weight:bold;left:298.733px;top:299.3px;">11,769 </div><div id="a9672" style="position:absolute;font-weight:bold;left:347.267px;top:299.3px;">0.56 </div><div id="a9674" style="position:absolute;font-weight:bold;left:372.107px;top:299.3px;">% </div><div id="a9677" style="position:absolute;left:382.227px;top:299.3px;">$ </div><div id="a9679" style="position:absolute;left:395.84px;top:299.3px;">7,852,495 </div><div id="a9682" style="position:absolute;left:449.173px;top:299.3px;">$ </div><div id="a9684" style="position:absolute;left:462.773px;top:299.3px;">11,949 </div><div id="a9687" style="position:absolute;left:511.333px;top:299.3px;">0.61 </div><div id="a9689" style="position:absolute;left:536.133px;top:299.3px;">% </div><div id="a9692" style="position:absolute;left:547.067px;top:299.3px;">$ </div><div id="a9694" style="position:absolute;left:560.667px;top:299.3px;">7,516,438 </div><div id="a9697" style="position:absolute;left:614.267px;top:299.3px;">$ </div><div id="a9699" style="position:absolute;left:627.6px;top:299.3px;">12,960 </div><div id="a9702" style="position:absolute;left:676.44px;top:299.3px;">0.69 </div><div id="a9704" style="position:absolute;left:701.227px;top:299.3px;">% </div><div id="a9707" style="position:absolute;left:712.173px;top:299.3px;">$ </div><div id="a9709" style="position:absolute;left:725.773px;top:299.3px;">4,582,872 </div><div id="a9712" style="position:absolute;left:779.133px;top:299.3px;">$ </div><div id="a9714" style="position:absolute;left:798.6px;top:299.3px;">7,756 </div><div id="a9717" style="position:absolute;left:841.267px;top:299.3px;">0.67 </div><div id="a9719" style="position:absolute;left:866.067px;top:299.3px;">% </div><div id="a9722" style="position:absolute;left:874.333px;top:299.3px;">$ </div><div id="a9724" style="position:absolute;left:887.933px;top:299.3px;">4,563,187 </div><div id="a9727" style="position:absolute;left:941.293px;top:299.3px;">$ </div><div id="a9729" style="position:absolute;left:960.773px;top:299.3px;">8,055 </div><div id="a9732" style="position:absolute;left:1006.627px;top:299.3px;">0.70 </div><div id="a9734" style="position:absolute;left:1031.427px;top:299.3px;">% </div><div id="a9783" style="position:absolute;left:526.267px;top:330px;">7 </div></div>
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<div id="a9785" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a9787" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a9789" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a9806" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:82.4px;">Table 5-2: Average<div style="display:inline-block;width:5.62px">&#160;</div>Balances, Net Interest Income and Net Interest Margin (Continued) </div><div id="a9813" style="position:absolute;font-weight:bold;left:479.6px;top:101.4px;">2020 YTD </div><div id="a9816" style="position:absolute;left:669.8px;top:101.4px;">2019 YTD </div><div id="a9823" style="position:absolute;font-weight:bold;left:493.507px;top:117.7px;">Interest<div style="display:inline-block;width:3.07px">&#160;</div></div><div id="a9831" style="position:absolute;left:685px;top:117.7px;">Interest<div style="display:inline-block;width:3.13px">&#160;</div></div><div id="a9839" style="position:absolute;font-weight:bold;left:423.067px;top:132.6px;">Average </div><div id="a9842" style="position:absolute;font-weight:bold;left:492.427px;top:132.6px;">Income/ </div><div id="a9845" style="position:absolute;font-weight:bold;left:558.027px;top:132.6px;">Yield/ </div><div id="a9848" style="position:absolute;left:614.6px;top:132.6px;">Average </div><div id="a9851" style="position:absolute;left:683.933px;top:132.6px;">Income/ </div><div id="a9854" style="position:absolute;left:749.04px;top:132.6px;">Yield/ </div><div id="a9856" style="position:absolute;font-weight:bold;left:19.2px;top:146.7px;">(Dollars in thousands) (unaudited) </div><div id="a9860" style="position:absolute;font-weight:bold;left:423.867px;top:148.6px;">Balance </div><div id="a9863" style="position:absolute;font-weight:bold;left:490.56px;top:148.6px;">Expense </div><div id="a9866" style="position:absolute;font-weight:bold;left:560.693px;top:148.6px;">Rate </div><div id="a9869" style="position:absolute;left:615.133px;top:148.6px;">Balance </div><div id="a9872" style="position:absolute;left:682.067px;top:148.6px;">Expense </div><div id="a9875" style="position:absolute;left:751.173px;top:148.6px;">Rate </div><div id="a9897" style="position:absolute;font-weight:bold;left:19.2px;top:180.1px;">Interest earning assets: </div><div id="a9918" style="position:absolute;left:19.2px;top:195px;"><div style="display:inline-block;width:11.73px">&#160;</div>Cash equivalents </div><div id="a9923" style="position:absolute;font-weight:bold;left:410.267px;top:195px;">$ </div><div id="a9925" style="position:absolute;font-weight:bold;left:426.8px;top:195px;">1,423,781 </div><div id="a9928" style="position:absolute;font-weight:bold;left:481.24px;top:195px;">$ </div><div id="a9930" style="position:absolute;font-weight:bold;left:513.507px;top:195px;">3,760 </div><div id="a9933" style="position:absolute;font-weight:bold;left:562.56px;top:195px;">0.35 </div><div id="a9935" style="position:absolute;font-weight:bold;left:587.4px;top:195px;">% </div><div id="a9938" style="position:absolute;left:600.467px;top:195px;">$ </div><div id="a9940" style="position:absolute;left:625.8px;top:195px;">535,865 </div><div id="a9943" style="position:absolute;left:671.4px;top:195px;">$ </div><div id="a9945" style="position:absolute;left:703.707px;top:195px;">9,357 </div><div id="a9948" style="position:absolute;left:752.507px;top:195px;">2.33 </div><div id="a9950" style="position:absolute;left:777.307px;top:195px;">% </div><div id="a9952" style="position:absolute;left:19.2px;top:210px;"><div style="display:inline-block;width:11.73px">&#160;</div>Investment securities </div><div id="a9958" style="position:absolute;font-weight:bold;left:435.6px;top:210px;">679,201 </div><div id="a9962" style="position:absolute;font-weight:bold;left:513.507px;top:210px;">9,552 </div><div id="a9965" style="position:absolute;font-weight:bold;left:562.56px;top:210px;">1.88 </div><div id="a9967" style="position:absolute;font-weight:bold;left:587.4px;top:210px;">% </div><div id="a9971" style="position:absolute;left:617px;top:210px;">1,000,217 </div><div id="a9975" style="position:absolute;left:697.84px;top:210px;">18,292 </div><div id="a9978" style="position:absolute;left:752.507px;top:210px;">2.44 </div><div id="a9980" style="position:absolute;left:777.307px;top:210px;">% </div><div id="a9982" style="position:absolute;left:19.2px;top:225.2px;"><div style="display:inline-block;width:11.73px">&#160;</div>Loans held for investment </div><div id="a10004" style="position:absolute;left:19.2px;top:240.1px;"><div style="display:inline-block;width:29.33px">&#160;</div>Non-PCD loans </div><div id="a10012" style="position:absolute;font-weight:bold;left:426.8px;top:240.1px;">4,780,966 </div><div id="a10016" style="position:absolute;font-weight:bold;left:501.507px;top:240.1px;">254,343 </div><div id="a10019" style="position:absolute;font-weight:bold;left:562.56px;top:240.1px;">7.09 </div><div id="a10021" style="position:absolute;font-weight:bold;left:587.4px;top:240.1px;">% </div><div id="a10025" style="position:absolute;left:617px;top:240.1px;">3,822,312 </div><div id="a10029" style="position:absolute;left:691.667px;top:240.1px;">220,583 </div><div id="a10032" style="position:absolute;left:752.507px;top:240.1px;">7.72 </div><div id="a10034" style="position:absolute;left:777.307px;top:240.1px;">% </div><div id="a10036" style="position:absolute;left:19.2px;top:255px;"><div style="display:inline-block;width:29.33px">&#160;</div>PCD loans </div><div id="a10042" style="position:absolute;font-weight:bold;left:426.8px;top:255px;">1,990,938 </div><div id="a10046" style="position:absolute;font-weight:bold;left:507.627px;top:255px;">92,671 </div><div id="a10049" style="position:absolute;font-weight:bold;left:562.56px;top:255px;">6.21 </div><div id="a10051" style="position:absolute;font-weight:bold;left:587.4px;top:255px;">% </div><div id="a10055" style="position:absolute;left:625.8px;top:255px;">697,081 </div><div id="a10059" style="position:absolute;left:697.84px;top:255px;">34,388 </div><div id="a10062" style="position:absolute;left:752.507px;top:255px;">6.58 </div><div id="a10064" style="position:absolute;left:777.307px;top:255px;">% </div><div id="a10066" style="position:absolute;left:19.2px;top:270.8px;"><div style="display:inline-block;width:35.5px">&#160;</div>Total loans </div><div id="a10072" style="position:absolute;font-weight:bold;left:426.8px;top:270.8px;">6,771,904 </div><div id="a10076" style="position:absolute;font-weight:bold;left:501.507px;top:270.8px;">347,014 </div><div id="a10079" style="position:absolute;font-weight:bold;left:562.56px;top:270.8px;">6.83 </div><div id="a10081" style="position:absolute;font-weight:bold;left:587.4px;top:270.8px;">% </div><div id="a10085" style="position:absolute;left:617px;top:270.8px;">4,519,393 </div><div id="a10089" style="position:absolute;left:691.667px;top:270.8px;">254,971 </div><div id="a10092" style="position:absolute;left:752.507px;top:270.8px;">7.54 </div><div id="a10094" style="position:absolute;left:777.307px;top:270.8px;">% </div><div id="a10096" style="position:absolute;left:19.2px;top:286.5px;">Total interest-earning assets </div><div id="a10102" style="position:absolute;font-weight:bold;left:410.267px;top:286.5px;">$ </div><div id="a10104" style="position:absolute;font-weight:bold;left:426.8px;top:286.5px;">8,874,886 </div><div id="a10107" style="position:absolute;font-weight:bold;left:481.24px;top:286.5px;">$ </div><div id="a10109" style="position:absolute;font-weight:bold;left:501.507px;top:286.5px;">360,326 </div><div id="a10112" style="position:absolute;font-weight:bold;left:562.56px;top:286.5px;">5.41 </div><div id="a10114" style="position:absolute;font-weight:bold;left:587.4px;top:286.5px;">% </div><div id="a10117" style="position:absolute;left:600.467px;top:286.5px;">$ </div><div id="a10119" style="position:absolute;left:617px;top:286.5px;">6,055,475 </div><div id="a10122" style="position:absolute;left:671.4px;top:286.5px;">$ </div><div id="a10124" style="position:absolute;left:691.667px;top:286.5px;">282,620 </div><div id="a10127" style="position:absolute;left:752.507px;top:286.5px;">6.24 </div><div id="a10129" style="position:absolute;left:777.307px;top:286.5px;">% </div><div id="a10151" style="position:absolute;font-weight:bold;left:19.2px;top:317.2px;">Interest bearing liabilities: </div><div id="a10172" style="position:absolute;left:19.2px;top:332.1px;"><div style="display:inline-block;width:11.73px">&#160;</div>Deposits </div><div id="a10194" style="position:absolute;left:19.2px;top:347.1px;"><div style="display:inline-block;width:23.47px">&#160;</div>NOW accounts </div><div id="a10199" style="position:absolute;font-weight:bold;left:410.267px;top:347.1px;">$ </div><div id="a10201" style="position:absolute;font-weight:bold;left:426.8px;top:347.1px;">2,092,973 </div><div id="a10204" style="position:absolute;font-weight:bold;left:481.24px;top:347.1px;">$ </div><div id="a10206" style="position:absolute;font-weight:bold;left:513.507px;top:347.1px;">6,772 </div><div id="a10209" style="position:absolute;font-weight:bold;left:562.56px;top:347.1px;">0.43 </div><div id="a10211" style="position:absolute;font-weight:bold;left:587.4px;top:347.1px;">% </div><div id="a10214" style="position:absolute;left:600.467px;top:347.1px;">$ </div><div id="a10216" style="position:absolute;left:617px;top:347.1px;">1,120,825 </div><div id="a10219" style="position:absolute;left:671.4px;top:347.1px;">$ </div><div id="a10221" style="position:absolute;left:703.707px;top:347.1px;">4,800 </div><div id="a10224" style="position:absolute;left:752.507px;top:347.1px;">0.57 </div><div id="a10226" style="position:absolute;left:777.307px;top:347.1px;">% </div><div id="a10228" style="position:absolute;left:19.2px;top:362px;"><div style="display:inline-block;width:23.47px">&#160;</div>Savings accounts </div><div id="a10234" style="position:absolute;font-weight:bold;left:426.8px;top:362px;">1,845,253 </div><div id="a10238" style="position:absolute;font-weight:bold;left:513.507px;top:362px;">6,426 </div><div id="a10241" style="position:absolute;font-weight:bold;left:562.56px;top:362px;">0.46 </div><div id="a10243" style="position:absolute;font-weight:bold;left:587.4px;top:362px;">% </div><div id="a10247" style="position:absolute;left:617px;top:362px;">1,187,020 </div><div id="a10251" style="position:absolute;left:703.707px;top:362px;">5,508 </div><div id="a10254" style="position:absolute;left:752.507px;top:362px;">0.62 </div><div id="a10256" style="position:absolute;left:777.307px;top:362px;">% </div><div id="a10258" style="position:absolute;left:19.2px;top:377.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Time deposits </div><div id="a10264" style="position:absolute;font-weight:bold;left:426.8px;top:377.2px;">1,991,432 </div><div id="a10268" style="position:absolute;font-weight:bold;left:507.627px;top:377.2px;">23,480 </div><div id="a10271" style="position:absolute;font-weight:bold;left:562.56px;top:377.2px;">1.57 </div><div id="a10273" style="position:absolute;font-weight:bold;left:587.4px;top:377.2px;">% </div><div id="a10277" style="position:absolute;left:617px;top:377.2px;">1,070,111 </div><div id="a10281" style="position:absolute;left:697.84px;top:377.2px;">11,024 </div><div id="a10284" style="position:absolute;left:752.507px;top:377.2px;">1.38 </div><div id="a10286" style="position:absolute;left:777.307px;top:377.2px;">% </div><div id="a10288" style="position:absolute;left:19.2px;top:392.1px;"><div style="display:inline-block;width:23.47px">&#160;</div>Brokered deposits </div><div id="a10294" style="position:absolute;font-weight:bold;left:435.6px;top:392.1px;">203,779 </div><div id="a10298" style="position:absolute;font-weight:bold;left:513.507px;top:392.1px;">3,844 </div><div id="a10301" style="position:absolute;font-weight:bold;left:562.56px;top:392.1px;">2.51 </div><div id="a10303" style="position:absolute;font-weight:bold;left:587.4px;top:392.1px;">% </div><div id="a10307" style="position:absolute;left:625.8px;top:392.1px;">422,364 </div><div id="a10311" style="position:absolute;left:703.707px;top:392.1px;">7,660 </div><div id="a10314" style="position:absolute;left:752.507px;top:392.1px;">2.42 </div><div id="a10316" style="position:absolute;left:777.307px;top:392.1px;">% </div><div id="a10322" style="position:absolute;font-weight:bold;left:426.8px;top:407.1px;">6,133,437 </div><div id="a10326" style="position:absolute;font-weight:bold;left:507.627px;top:407.1px;">40,522 </div><div id="a10329" style="position:absolute;font-weight:bold;left:562.56px;top:407.1px;">0.88 </div><div id="a10331" style="position:absolute;font-weight:bold;left:587.4px;top:407.1px;">% </div><div id="a10335" style="position:absolute;left:617px;top:407.1px;">3,800,320 </div><div id="a10339" style="position:absolute;left:697.84px;top:407.1px;">28,992 </div><div id="a10342" style="position:absolute;left:752.507px;top:407.1px;">1.02 </div><div id="a10344" style="position:absolute;left:777.307px;top:407.1px;">% </div><div id="a10346" style="position:absolute;left:19.2px;top:422px;"><div style="display:inline-block;width:23.47px">&#160;</div>Non-interest bearing deposit accounts </div><div id="a10354" style="position:absolute;font-weight:bold;left:426.8px;top:422px;">1,987,211 </div><div id="a10358" style="position:absolute;font-weight:bold;left:536.693px;top:422px;">- </div><div id="a10361" style="position:absolute;font-weight:bold;left:579.907px;top:422px;">- </div><div id="a10366" style="position:absolute;left:617px;top:422px;">1,097,145 </div><div id="a10370" style="position:absolute;left:726.893px;top:422px;">- </div><div id="a10373" style="position:absolute;left:769.84px;top:422px;">- </div><div id="a10375" style="position:absolute;left:777.307px;top:422px;">% </div><div id="a10377" style="position:absolute;left:19.2px;top:437.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Fair value premium amortization and core deposit intangible amortization </div><div id="a10383" style="position:absolute;font-weight:bold;left:470.8px;top:437.2px;">- </div><div id="a10387" style="position:absolute;font-weight:bold;left:513.507px;top:437.2px;">6,163 </div><div id="a10390" style="position:absolute;font-weight:bold;left:579.907px;top:437.2px;">- </div><div id="a10395" style="position:absolute;left:661px;top:437.2px;">- </div><div id="a10399" style="position:absolute;left:712.507px;top:437.2px;">602 </div><div id="a10402" style="position:absolute;left:769.84px;top:437.2px;">- </div><div id="a10405" style="position:absolute;left:19.2px;top:452.7px;"><div style="display:inline-block;width:35.5px">&#160;</div>Total deposits </div><div id="a10411" style="position:absolute;font-weight:bold;left:426.8px;top:452.7px;">8,120,648 </div><div id="a10415" style="position:absolute;font-weight:bold;left:507.627px;top:452.7px;">46,685 </div><div id="a10418" style="position:absolute;font-weight:bold;left:562.56px;top:452.7px;">0.77 </div><div id="a10420" style="position:absolute;font-weight:bold;left:587.4px;top:452.7px;">% </div><div id="a10424" style="position:absolute;left:617px;top:452.7px;">4,897,465 </div><div id="a10428" style="position:absolute;left:697.84px;top:452.7px;">29,594 </div><div id="a10431" style="position:absolute;left:752.507px;top:452.7px;">0.81 </div><div id="a10433" style="position:absolute;left:777.307px;top:452.7px;">% </div><div id="a10435" style="position:absolute;left:19.2px;top:468.4px;">Borrowings </div><div id="a10456" style="position:absolute;left:19.2px;top:483.4px;"><div style="display:inline-block;width:23.47px">&#160;</div>Securities sold under agreements to repurchase </div><div id="a10462" style="position:absolute;font-weight:bold;left:441.733px;top:483.4px;">67,956 </div><div id="a10466" style="position:absolute;font-weight:bold;left:513.507px;top:483.4px;">1,335 </div><div id="a10469" style="position:absolute;font-weight:bold;left:562.56px;top:483.4px;">2.62 </div><div id="a10471" style="position:absolute;font-weight:bold;left:587.4px;top:483.4px;">% </div><div id="a10475" style="position:absolute;left:625.8px;top:483.4px;">336,859 </div><div id="a10479" style="position:absolute;left:703.707px;top:483.4px;">6,235 </div><div id="a10482" style="position:absolute;left:752.507px;top:483.4px;">2.47 </div><div id="a10484" style="position:absolute;left:777.307px;top:483.4px;">% </div><div id="a10486" style="position:absolute;left:19.2px;top:498.6px;"><div style="display:inline-block;width:23.47px">&#160;</div>Advances from FHLB and other borrowings </div><div id="a10492" style="position:absolute;font-weight:bold;left:441.733px;top:498.6px;">73,150 </div><div id="a10496" style="position:absolute;font-weight:bold;left:513.507px;top:498.6px;">1,521 </div><div id="a10499" style="position:absolute;font-weight:bold;left:562.56px;top:498.6px;">2.77 </div><div id="a10501" style="position:absolute;font-weight:bold;left:587.4px;top:498.6px;">% </div><div id="a10505" style="position:absolute;left:631.933px;top:498.6px;">80,294 </div><div id="a10509" style="position:absolute;left:703.707px;top:498.6px;">1,671 </div><div id="a10512" style="position:absolute;left:752.507px;top:498.6px;">2.78 </div><div id="a10514" style="position:absolute;left:777.307px;top:498.6px;">% </div><div id="a10516" style="position:absolute;left:19.2px;top:513.5px;"><div style="display:inline-block;width:23.47px">&#160;</div>Subordinated capital notes </div><div id="a10522" style="position:absolute;font-weight:bold;left:441.733px;top:513.5px;">36,083 </div><div id="a10526" style="position:absolute;font-weight:bold;left:513.507px;top:513.5px;">1,091 </div><div id="a10529" style="position:absolute;font-weight:bold;left:562.56px;top:513.5px;">4.02 </div><div id="a10531" style="position:absolute;font-weight:bold;left:587.4px;top:513.5px;">% </div><div id="a10535" style="position:absolute;left:631.933px;top:513.5px;">36,083 </div><div id="a10539" style="position:absolute;left:703.707px;top:513.5px;">1,536 </div><div id="a10542" style="position:absolute;left:752.507px;top:513.5px;">5.69 </div><div id="a10544" style="position:absolute;left:777.307px;top:513.5px;">% </div><div id="a10546" style="position:absolute;left:19.2px;top:529.2px;"><div style="display:inline-block;width:35.5px">&#160;</div>Total borrowings </div><div id="a10552" style="position:absolute;font-weight:bold;left:435.6px;top:529.2px;">177,189 </div><div id="a10556" style="position:absolute;font-weight:bold;left:513.507px;top:529.2px;">3,947 </div><div id="a10559" style="position:absolute;font-weight:bold;left:562.56px;top:529.2px;">2.97 </div><div id="a10561" style="position:absolute;font-weight:bold;left:587.4px;top:529.2px;">% </div><div id="a10565" style="position:absolute;left:625.8px;top:529.2px;">453,236 </div><div id="a10569" style="position:absolute;left:703.707px;top:529.2px;">9,442 </div><div id="a10572" style="position:absolute;left:752.507px;top:529.2px;">2.79 </div><div id="a10574" style="position:absolute;left:777.307px;top:529.2px;">% </div><div id="a10576" style="position:absolute;left:19.2px;top:544.7px;">Total interest-bearing liabilities </div><div id="a10582" style="position:absolute;font-weight:bold;left:410.267px;top:544.7px;">$ </div><div id="a10584" style="position:absolute;font-weight:bold;left:426.8px;top:544.7px;">8,297,837 </div><div id="a10587" style="position:absolute;font-weight:bold;left:481.24px;top:544.7px;">$ </div><div id="a10589" style="position:absolute;font-weight:bold;left:507.627px;top:544.7px;">50,632 </div><div id="a10592" style="position:absolute;font-weight:bold;left:562.56px;top:544.7px;">0.81 </div><div id="a10594" style="position:absolute;font-weight:bold;left:587.4px;top:544.7px;">% </div><div id="a10597" style="position:absolute;left:600.467px;top:544.7px;">$ </div><div id="a10599" style="position:absolute;left:617px;top:544.7px;">5,350,701 </div><div id="a10602" style="position:absolute;left:671.4px;top:544.7px;">$ </div><div id="a10604" style="position:absolute;left:697.84px;top:544.7px;">39,036 </div><div id="a10607" style="position:absolute;left:752.507px;top:544.7px;">0.98 </div><div id="a10609" style="position:absolute;left:777.307px;top:544.7px;">% </div><div id="a10611" style="position:absolute;left:19.2px;top:561.5px;">Interest rate spread </div><div id="a10618" style="position:absolute;font-weight:bold;left:481.24px;top:561.5px;">$ </div><div id="a10620" style="position:absolute;font-weight:bold;left:501.507px;top:561.5px;">309,694 </div><div id="a10623" style="position:absolute;font-weight:bold;left:562.56px;top:561.5px;">4.60 </div><div id="a10625" style="position:absolute;font-weight:bold;left:587.4px;top:561.5px;">% </div><div id="a10631" style="position:absolute;left:671.4px;top:561.5px;">$ </div><div id="a10633" style="position:absolute;left:691.667px;top:561.5px;">243,584 </div><div id="a10636" style="position:absolute;left:752.507px;top:561.5px;">5.26 </div><div id="a10638" style="position:absolute;left:777.307px;top:561.5px;">% </div><div id="a10640" style="position:absolute;left:19.2px;top:581.5px;">Net interest margin </div><div id="a10650" style="position:absolute;font-weight:bold;left:562.56px;top:581.5px;">4.65 </div><div id="a10652" style="position:absolute;font-weight:bold;left:587.4px;top:581.5px;">% </div><div id="a10661" style="position:absolute;left:752.507px;top:581.5px;">5.38 </div><div id="a10663" style="position:absolute;left:777.307px;top:581.5px;">% </div><div id="a10685" style="position:absolute;font-weight:bold;left:19.2px;top:616.4px;">SOP loan cost recoveries (interest recoveries in 2020) </div><div id="a10692" style="position:absolute;font-weight:bold;left:481.24px;top:616.4px;">$ </div><div id="a10694" style="position:absolute;font-weight:bold;left:513.507px;top:616.4px;">6,451 </div><div id="a10703" style="position:absolute;left:671.4px;top:616.4px;">$ </div><div id="a10705" style="position:absolute;left:703.707px;top:616.4px;">1,338 </div><div id="a10730" style="position:absolute;font-weight:bold;left:19.2px;top:653.5px;">Adjusted excluding cost/interests recoveries (Non-GAAP): </div><div id="a10753" style="position:absolute;left:19.2px;top:668.5px;">Total interest-earning assets </div><div id="a10759" style="position:absolute;font-weight:bold;left:410.267px;top:668.5px;">$ </div><div id="a10761" style="position:absolute;font-weight:bold;left:426.8px;top:668.5px;">8,874,886 </div><div id="a10764" style="position:absolute;font-weight:bold;left:481.24px;top:668.5px;">$ </div><div id="a10766" style="position:absolute;font-weight:bold;left:501.507px;top:668.5px;">353,875 </div><div id="a10769" style="position:absolute;font-weight:bold;left:562.56px;top:668.5px;">5.31 </div><div id="a10771" style="position:absolute;font-weight:bold;left:587.4px;top:668.5px;">% </div><div id="a10774" style="position:absolute;left:600.467px;top:668.5px;">$ </div><div id="a10776" style="position:absolute;left:617px;top:668.5px;">6,055,475 </div><div id="a10779" style="position:absolute;left:671.4px;top:668.5px;">$ </div><div id="a10781" style="position:absolute;left:691.667px;top:668.5px;">281,282 </div><div id="a10784" style="position:absolute;left:752.507px;top:668.5px;">6.21 </div><div id="a10786" style="position:absolute;left:777.307px;top:668.5px;">% </div><div id="a10788" style="position:absolute;left:19.2px;top:685.3px;">Interest rate spread </div><div id="a10795" style="position:absolute;font-weight:bold;left:481.24px;top:685.3px;">$ </div><div id="a10797" style="position:absolute;font-weight:bold;left:501.507px;top:685.3px;">303,243 </div><div id="a10800" style="position:absolute;font-weight:bold;left:562.56px;top:685.3px;">4.50 </div><div id="a10802" style="position:absolute;font-weight:bold;left:587.4px;top:685.3px;">% </div><div id="a10808" style="position:absolute;left:671.4px;top:685.3px;">$ </div><div id="a10810" style="position:absolute;left:691.667px;top:685.3px;">242,246 </div><div id="a10813" style="position:absolute;left:752.507px;top:685.3px;">5.23 </div><div id="a10815" style="position:absolute;left:777.307px;top:685.3px;">% </div><div id="a10817" style="position:absolute;left:19.2px;top:705.3px;">Net interest margin </div><div id="a10827" style="position:absolute;font-weight:bold;left:562.56px;top:705.3px;">4.55 </div><div id="a10829" style="position:absolute;font-weight:bold;left:587.4px;top:705.3px;">% </div><div id="a10838" style="position:absolute;left:752.507px;top:705.3px;">5.35 </div><div id="a10840" style="position:absolute;left:777.307px;top:705.3px;">% </div><div id="a10862" style="position:absolute;font-weight:bold;left:19.2px;top:739.1px;">Core deposits: (Non-GAAP) </div><div id="a10885" style="position:absolute;left:19.2px;top:754.1px;"><div style="display:inline-block;width:11.73px">&#160;</div>Deposits </div><div id="a10907" style="position:absolute;left:19.2px;top:769.3px;"><div style="display:inline-block;width:23.47px">&#160;</div>NOW accounts </div><div id="a10912" style="position:absolute;left:410.267px;top:769.3px;">$ </div><div id="a10914" style="position:absolute;font-weight:bold;left:426.8px;top:769.3px;">2,092,973 </div><div id="a10917" style="position:absolute;font-weight:bold;left:481.24px;top:769.3px;">$ </div><div id="a10919" style="position:absolute;font-weight:bold;left:513.507px;top:769.3px;">6,772 </div><div id="a10922" style="position:absolute;font-weight:bold;left:562.56px;top:769.3px;">0.43 </div><div id="a10924" style="position:absolute;font-weight:bold;left:587.4px;top:769.3px;">% </div><div id="a10927" style="position:absolute;left:600.467px;top:769.3px;">$ </div><div id="a10929" style="position:absolute;left:617px;top:769.3px;">1,120,825 </div><div id="a10932" style="position:absolute;left:671.4px;top:769.3px;">$ </div><div id="a10934" style="position:absolute;left:703.707px;top:769.3px;">4,800 </div><div id="a10937" style="position:absolute;left:752.507px;top:769.3px;">0.57 </div><div id="a10939" style="position:absolute;left:777.307px;top:769.3px;">% </div><div id="a10941" style="position:absolute;left:19.2px;top:784.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Savings accounts </div><div id="a10947" style="position:absolute;font-weight:bold;left:426.8px;top:784.2px;">1,845,253 </div><div id="a10951" style="position:absolute;font-weight:bold;left:513.507px;top:784.2px;">6,426 </div><div id="a10954" style="position:absolute;font-weight:bold;left:562.56px;top:784.2px;">0.46 </div><div id="a10956" style="position:absolute;font-weight:bold;left:587.4px;top:784.2px;">% </div><div id="a10960" style="position:absolute;left:617px;top:784.2px;">1,187,020 </div><div id="a10964" style="position:absolute;left:703.707px;top:784.2px;">5,508 </div><div id="a10967" style="position:absolute;left:752.507px;top:784.2px;">0.62 </div><div id="a10969" style="position:absolute;left:777.307px;top:784.2px;">% </div><div id="a10971" style="position:absolute;left:19.2px;top:799.2px;"><div style="display:inline-block;width:23.47px">&#160;</div>Time deposits </div><div id="a10977" style="position:absolute;font-weight:bold;left:426.8px;top:799.2px;">1,991,432 </div><div id="a10981" style="position:absolute;font-weight:bold;left:507.627px;top:799.2px;">23,480 </div><div id="a10984" style="position:absolute;font-weight:bold;left:562.56px;top:799.2px;">1.57 </div><div id="a10986" style="position:absolute;font-weight:bold;left:587.4px;top:799.2px;">% </div><div id="a10990" style="position:absolute;left:617px;top:799.2px;">1,070,111 </div><div id="a10994" style="position:absolute;left:697.84px;top:799.2px;">11,024 </div><div id="a10997" style="position:absolute;left:752.507px;top:799.2px;">1.38 </div><div id="a10999" style="position:absolute;left:777.307px;top:799.2px;">% </div><div id="a11005" style="position:absolute;font-weight:bold;left:426.8px;top:814.9px;">5,929,658 </div><div id="a11009" style="position:absolute;font-weight:bold;left:507.627px;top:814.9px;">36,678 </div><div id="a11012" style="position:absolute;font-weight:bold;left:562.56px;top:814.9px;">0.83 </div><div id="a11014" style="position:absolute;font-weight:bold;left:587.4px;top:814.9px;">% </div><div id="a11018" style="position:absolute;left:617px;top:814.9px;">3,377,956 </div><div id="a11022" style="position:absolute;left:697.84px;top:814.9px;">21,332 </div><div id="a11025" style="position:absolute;left:752.507px;top:814.9px;">0.84 </div><div id="a11027" style="position:absolute;left:777.307px;top:814.9px;">% </div><div id="a11029" style="position:absolute;left:19.2px;top:829.8px;"><div style="display:inline-block;width:23.47px">&#160;</div>Non-interest bearing deposit accounts </div><div id="a11037" style="position:absolute;font-weight:bold;left:426.8px;top:829.8px;">1,987,211 </div><div id="a11041" style="position:absolute;font-weight:bold;left:536.693px;top:829.8px;">- </div><div id="a11044" style="position:absolute;font-weight:bold;left:579.907px;top:829.8px;">- </div><div id="a11046" style="position:absolute;font-weight:bold;left:587.4px;top:829.8px;">% </div><div id="a11050" style="position:absolute;left:617px;top:829.8px;">1,097,145 </div><div id="a11054" style="position:absolute;left:726.893px;top:829.8px;">- </div><div id="a11057" style="position:absolute;left:769.84px;top:829.8px;">- </div><div id="a11059" style="position:absolute;left:777.307px;top:829.8px;">% </div><div id="a11061" style="position:absolute;left:19.2px;top:845.6px;"><div style="display:inline-block;width:35.5px">&#160;</div>Total core deposits </div><div id="a11066" style="position:absolute;font-weight:bold;left:410.267px;top:845.6px;">$ </div><div id="a11068" style="position:absolute;font-weight:bold;left:426.8px;top:845.6px;">7,916,869 </div><div id="a11071" style="position:absolute;font-weight:bold;left:481.24px;top:845.6px;">$ </div><div id="a11073" style="position:absolute;font-weight:bold;left:507.627px;top:845.6px;">36,678 </div><div id="a11076" style="position:absolute;font-weight:bold;left:562.56px;top:845.6px;">0.62 </div><div id="a11078" style="position:absolute;font-weight:bold;left:587.4px;top:845.6px;">% </div><div id="a11081" style="position:absolute;left:600.467px;top:845.6px;">$ </div><div id="a11083" style="position:absolute;left:617px;top:845.6px;">4,475,101 </div><div id="a11086" style="position:absolute;left:671.4px;top:845.6px;">$ </div><div id="a11088" style="position:absolute;left:697.84px;top:845.6px;">21,332 </div><div id="a11091" style="position:absolute;left:752.507px;top:845.6px;">0.64 </div><div id="a11093" style="position:absolute;left:777.307px;top:845.6px;">% </div><div id="a11115" style="position:absolute;left:400.4px;top:874.9px;">8 </div></div>
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<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:435.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:711.4px; top:947.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:636.5px; top:947.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:561.5px; top:947.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.3px; top:947.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:947.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:711.4px; top:579.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:579.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:69.9px; height:1px; left:636.5px; top:419.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:561.5px; top:419.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.3px; top:419.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:419.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:711.4px; top:403.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:636.5px; top:403.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:561.5px; top:403.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.3px; top:403.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:403.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:711.4px; top:339.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:636.5px; top:339.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:561.5px; top:339.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.3px; top:339.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:339.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:711.4px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:636.5px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:561.5px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.3px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:711.4px; top:211.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:636.5px; top:211.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:561.5px; top:211.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.3px; top:211.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:411.3px; top:211.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:387.1px; height:1.3px; left:19.2px; top:451.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:387.1px; height:1.3px; left:19.2px; top:147.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:387.1px; height:1.3px; left:19.2px; top:163.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:711.4px; top:131.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1.3px; left:636.5px; top:131.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1.3px; left:561.5px; top:131.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:486.3px; top:131.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1.3px; left:411.3px; top:131.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:387.1px; height:1.3px; left:19.2px; top:131.2px; background-color:#000000;">&#160;</div>
<div id="a11117" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a11119" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a11121" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a11140" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:85.3px;">Table 6-1: Loan<div style="display:inline-block;width:5.1px">&#160;</div>Information and Performance Statistics (1) </div><div id="a11151" style="position:absolute;font-weight:bold;left:434.533px;top:103.3px;">2020 </div><div id="a11154" style="position:absolute;left:509.507px;top:103.3px;">2020 </div><div id="a11157" style="position:absolute;left:584.44px;top:103.3px;">2020 </div><div id="a11160" style="position:absolute;left:659.667px;top:103.3px;">2019 </div><div id="a11163" style="position:absolute;left:734.627px;top:103.3px;">2019 </div><div id="a11166" style="position:absolute;font-weight:bold;left:19.2px;top:117.4px;">(Dollars in thousands) (unaudited) </div><div id="a11170" style="position:absolute;font-weight:bold;left:439.333px;top:119.3px;">Q3 </div><div id="a11173" style="position:absolute;left:514.307px;top:119.3px;">Q2 </div><div id="a11176" style="position:absolute;left:589.267px;top:119.3px;">Q1 </div><div id="a11179" style="position:absolute;left:664.467px;top:119.3px;">Q4 </div><div id="a11182" style="position:absolute;left:739.44px;top:119.3px;">Q3 </div><div id="a11185" style="position:absolute;font-weight:bold;left:19.2px;top:135.3px;">Net Charge-offs </div><div id="a11189" style="position:absolute;font-size:8px;left:391.6px;top:138.3px;">(21) </div><div id="a11207" style="position:absolute;font-weight:bold;left:19.2px;top:151.3px;">Non-PCD </div><div id="a11228" style="position:absolute;left:19.2px;top:167.3px;">Mortgage: </div><div id="a11247" style="position:absolute;left:19.2px;top:183.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11254" style="position:absolute;font-weight:bold;left:411.333px;top:183.3px;">$ </div><div id="a11256" style="position:absolute;font-weight:bold;left:465.467px;top:183.3px;">56 </div><div id="a11259" style="position:absolute;left:486.307px;top:183.3px;">$ </div><div id="a11261" style="position:absolute;left:534.56px;top:183.3px;">185 </div><div id="a11264" style="position:absolute;left:561.227px;top:183.3px;">$ </div><div id="a11266" style="position:absolute;left:609.533px;top:183.3px;">418 </div><div id="a11269" style="position:absolute;left:636.467px;top:183.3px;">$ </div><div id="a11271" style="position:absolute;left:675.667px;top:183.3px;">1,075 </div><div id="a11274" style="position:absolute;left:711.44px;top:183.3px;">$ </div><div id="a11276" style="position:absolute;left:744.773px;top:183.3px;">16,299 </div><div id="a11278" style="position:absolute;font-size:8px;left:783.44px;top:186.3px;">(b) </div><div id="a11280" style="position:absolute;left:19.2px;top:199.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11286" style="position:absolute;font-weight:bold;left:456.4px;top:199.3px;">(269) </div><div id="a11290" style="position:absolute;left:543.36px;top:199.3px;">(9) </div><div id="a11294" style="position:absolute;left:606.6px;top:199.3px;">(249) </div><div id="a11298" style="position:absolute;left:681.533px;top:199.3px;">(437) </div><div id="a11302" style="position:absolute;left:756.507px;top:199.3px;">(493) </div><div id="a11305" style="position:absolute;left:19.2px;top:215.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total mortgage </div><div id="a11311" style="position:absolute;font-weight:bold;left:456.4px;top:215.3px;">(213) </div><div id="a11315" style="position:absolute;left:534.56px;top:215.3px;">176 </div><div id="a11319" style="position:absolute;left:609.533px;top:215.3px;">169 </div><div id="a11323" style="position:absolute;left:684.467px;top:215.3px;">638 </div><div id="a11327" style="position:absolute;left:744.773px;top:215.3px;">15,806 </div><div id="a11330" style="position:absolute;left:19.2px;top:231.3px;">Commercial: </div><div id="a11349" style="position:absolute;left:19.2px;top:247.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11357" style="position:absolute;font-weight:bold;left:459.333px;top:247.3px;">298 </div><div id="a11361" style="position:absolute;left:534.56px;top:247.3px;">497 </div><div id="a11365" style="position:absolute;left:600.733px;top:247.3px;">3,771 </div><div id="a11369" style="position:absolute;left:684.467px;top:247.3px;">463 </div><div id="a11373" style="position:absolute;left:750.627px;top:247.3px;">8,421 </div><div id="a11375" style="position:absolute;font-size:8px;left:783.44px;top:250.3px;">(b) </div><div id="a11377" style="position:absolute;left:19.2px;top:263.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11383" style="position:absolute;font-weight:bold;left:456.4px;top:263.3px;">(253) </div><div id="a11387" style="position:absolute;left:531.627px;top:263.3px;">(631) </div><div id="a11391" style="position:absolute;left:597.533px;top:263.3px;">(1,522) </div><div id="a11395" style="position:absolute;left:681.533px;top:263.3px;">(606) </div><div id="a11399" style="position:absolute;left:756.507px;top:263.3px;">(176) </div><div id="a11402" style="position:absolute;left:19.2px;top:279.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total commercial </div><div id="a11408" style="position:absolute;font-weight:bold;left:465.467px;top:279.3px;">45 </div><div id="a11412" style="position:absolute;left:531.627px;top:279.3px;">(134) </div><div id="a11416" style="position:absolute;left:600.733px;top:279.3px;">2,249 </div><div id="a11420" style="position:absolute;left:681.533px;top:279.3px;">(143) </div><div id="a11424" style="position:absolute;left:750.627px;top:279.3px;">8,245 </div><div id="a11427" style="position:absolute;left:19.2px;top:295.3px;">Consumer: </div><div id="a11446" style="position:absolute;left:19.2px;top:311.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11454" style="position:absolute;font-weight:bold;left:450.533px;top:311.3px;">5,114 </div><div id="a11458" style="position:absolute;left:525.773px;top:311.3px;">4,187 </div><div id="a11462" style="position:absolute;left:600.733px;top:311.3px;">6,015 </div><div id="a11466" style="position:absolute;left:675.667px;top:311.3px;">5,289 </div><div id="a11470" style="position:absolute;left:750.627px;top:311.3px;">5,317 </div><div id="a11473" style="position:absolute;left:19.2px;top:327.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11479" style="position:absolute;font-weight:bold;left:456.4px;top:327.3px;">(663) </div><div id="a11483" style="position:absolute;left:531.627px;top:327.3px;">(443) </div><div id="a11487" style="position:absolute;left:606.6px;top:327.3px;">(644) </div><div id="a11491" style="position:absolute;left:681.533px;top:327.3px;">(196) </div><div id="a11495" style="position:absolute;left:747.44px;top:327.3px;">(1,463) </div><div id="a11497" style="position:absolute;font-size:8px;left:783.44px;top:330.3px;">(a) </div><div id="a11499" style="position:absolute;left:19.2px;top:343.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total consumer </div><div id="a11505" style="position:absolute;font-weight:bold;left:450.533px;top:343.3px;">4,451 </div><div id="a11509" style="position:absolute;left:525.773px;top:343.3px;">3,744 </div><div id="a11513" style="position:absolute;left:600.733px;top:343.3px;">5,371 </div><div id="a11517" style="position:absolute;left:675.667px;top:343.3px;">5,093 </div><div id="a11521" style="position:absolute;left:750.627px;top:343.3px;">3,854 </div><div id="a11524" style="position:absolute;left:19.2px;top:359.3px;">Auto: </div><div id="a11543" style="position:absolute;left:19.2px;top:375.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11551" style="position:absolute;font-weight:bold;left:444.667px;top:375.3px;">10,123 </div><div id="a11555" style="position:absolute;left:519.907px;top:375.3px;">13,300 </div><div id="a11559" style="position:absolute;left:594.867px;top:375.3px;">13,053 </div><div id="a11563" style="position:absolute;left:669.8px;top:375.3px;">12,930 </div><div id="a11567" style="position:absolute;left:744.773px;top:375.3px;">12,383 </div><div id="a11570" style="position:absolute;left:19.2px;top:391.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11576" style="position:absolute;font-weight:bold;left:447.333px;top:391.3px;">(5,950) </div><div id="a11580" style="position:absolute;left:522.56px;top:391.3px;">(3,405) </div><div id="a11584" style="position:absolute;left:597.533px;top:391.3px;">(4,211) </div><div id="a11588" style="position:absolute;left:672.467px;top:391.3px;">(4,123) </div><div id="a11592" style="position:absolute;left:747.44px;top:391.3px;">(5,802) </div><div id="a11594" style="position:absolute;font-size:8px;left:783.44px;top:394.3px;">(a) </div><div id="a11596" style="position:absolute;left:19.2px;top:407.3px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total auto </div><div id="a11602" style="position:absolute;font-weight:bold;left:450.533px;top:407.3px;">4,173 </div><div id="a11606" style="position:absolute;left:525.773px;top:407.3px;">9,895 </div><div id="a11610" style="position:absolute;left:600.733px;top:407.3px;">8,842 </div><div id="a11614" style="position:absolute;left:675.667px;top:407.3px;">8,807 </div><div id="a11618" style="position:absolute;left:750.627px;top:407.3px;">6,581 </div><div id="a11621" style="position:absolute;left:19.2px;top:423.3px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total </div><div id="a11626" style="position:absolute;font-weight:bold;left:411.333px;top:423.3px;">$ </div><div id="a11628" style="position:absolute;font-weight:bold;left:450.533px;top:423.3px;">8,456 </div><div id="a11631" style="position:absolute;left:486.307px;top:423.3px;">$ </div><div id="a11633" style="position:absolute;left:519.907px;top:423.3px;">13,681 </div><div id="a11636" style="position:absolute;left:561.227px;top:423.3px;">$ </div><div id="a11638" style="position:absolute;left:594.867px;top:423.3px;">16,631 </div><div id="a11641" style="position:absolute;left:636.467px;top:423.3px;">$ </div><div id="a11643" style="position:absolute;left:669.8px;top:423.3px;">14,395 </div><div id="a11646" style="position:absolute;left:711.44px;top:423.3px;">$ </div><div id="a11648" style="position:absolute;left:744.773px;top:423.3px;">34,486 </div><div id="a11669" style="position:absolute;font-weight:bold;left:19.2px;top:455.3px;">PCD </div><div id="a11688" style="position:absolute;left:19.2px;top:471.3px;">Mortgage: </div><div id="a11707" style="position:absolute;left:19.2px;top:487.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11714" style="position:absolute;font-weight:bold;left:411.333px;top:487.4px;">$ </div><div id="a11716" style="position:absolute;font-weight:bold;left:450.533px;top:487.4px;">1,677 </div><div id="a11719" style="position:absolute;left:486.307px;top:487.4px;">$ </div><div id="a11721" style="position:absolute;left:525.773px;top:487.4px;">2,178 </div><div id="a11724" style="position:absolute;left:561.227px;top:487.4px;">$ </div><div id="a11726" style="position:absolute;left:600.733px;top:487.4px;">5,143 </div><div id="a11729" style="position:absolute;left:636.467px;top:487.4px;">$ </div><div id="a11731" style="position:absolute;left:698.893px;top:487.4px;">- </div><div id="a11734" style="position:absolute;left:711.44px;top:487.4px;">$ </div><div id="a11736" style="position:absolute;left:773.84px;top:487.4px;">- </div><div id="a11739" style="position:absolute;left:19.2px;top:503.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11745" style="position:absolute;font-weight:bold;left:462.267px;top:503.4px;">(89) </div><div id="a11749" style="position:absolute;left:531.627px;top:503.4px;">(580) </div><div id="a11753" style="position:absolute;left:606.6px;top:503.4px;">(122) </div><div id="a11757" style="position:absolute;left:698.893px;top:503.4px;">- </div><div id="a11761" style="position:absolute;left:773.84px;top:503.4px;">- </div><div id="a11764" style="position:absolute;left:19.2px;top:519.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total mortgage </div><div id="a11770" style="position:absolute;font-weight:bold;left:450.533px;top:519.4px;">1,588 </div><div id="a11774" style="position:absolute;left:525.773px;top:519.4px;">1,598 </div><div id="a11778" style="position:absolute;left:600.733px;top:519.4px;">5,021 </div><div id="a11782" style="position:absolute;left:698.893px;top:519.4px;">- </div><div id="a11786" style="position:absolute;left:773.84px;top:519.4px;">- </div><div id="a11789" style="position:absolute;left:19.2px;top:535.4px;">Commercial: </div><div id="a11808" style="position:absolute;left:19.2px;top:551.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11816" style="position:absolute;font-weight:bold;left:459.333px;top:551.4px;">293 </div><div id="a11820" style="position:absolute;left:534.56px;top:551.4px;">386 </div><div id="a11824" style="position:absolute;left:600.733px;top:551.4px;">2,357 </div><div id="a11828" style="position:absolute;left:698.893px;top:551.4px;">- </div><div id="a11832" style="position:absolute;left:773.84px;top:551.4px;">- </div><div id="a11835" style="position:absolute;left:19.2px;top:567.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11841" style="position:absolute;font-weight:bold;left:462.267px;top:567.4px;">(91) </div><div id="a11845" style="position:absolute;left:531.627px;top:567.4px;">(286) </div><div id="a11849" style="position:absolute;left:606.6px;top:567.4px;">(375) </div><div id="a11853" style="position:absolute;left:698.893px;top:567.4px;">- </div><div id="a11857" style="position:absolute;left:773.84px;top:567.4px;">- </div><div id="a11860" style="position:absolute;left:19.2px;top:583.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total commercial </div><div id="a11866" style="position:absolute;font-weight:bold;left:459.333px;top:583.4px;">202 </div><div id="a11870" style="position:absolute;left:534.56px;top:583.4px;">100 </div><div id="a11874" style="position:absolute;left:600.733px;top:583.4px;">1,982 </div><div id="a11878" style="position:absolute;left:698.893px;top:583.4px;">- </div><div id="a11882" style="position:absolute;left:773.84px;top:583.4px;">- </div><div id="a11885" style="position:absolute;left:19.2px;top:599.4px;">Consumer: </div><div id="a11904" style="position:absolute;left:19.2px;top:615.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a11912" style="position:absolute;font-weight:bold;left:465.467px;top:615.4px;">60 </div><div id="a11916" style="position:absolute;left:540.707px;top:615.4px;">30 </div><div id="a11920" style="position:absolute;left:609.533px;top:615.4px;">431 </div><div id="a11924" style="position:absolute;left:698.893px;top:615.4px;">- </div><div id="a11928" style="position:absolute;left:773.84px;top:615.4px;">- </div><div id="a11931" style="position:absolute;left:19.2px;top:631.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a11937" style="position:absolute;font-weight:bold;left:471.333px;top:631.4px;">1 </div><div id="a11941" style="position:absolute;left:537.507px;top:631.4px;">(30) </div><div id="a11945" style="position:absolute;left:612.467px;top:631.4px;">(63) </div><div id="a11949" style="position:absolute;left:698.893px;top:631.4px;">- </div><div id="a11953" style="position:absolute;left:773.84px;top:631.4px;">- </div><div id="a11956" style="position:absolute;left:19.2px;top:647.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total consumer </div><div id="a11962" style="position:absolute;font-weight:bold;left:465.467px;top:647.4px;">61 </div><div id="a11966" style="position:absolute;left:548.973px;top:647.4px;">- </div><div id="a11970" style="position:absolute;left:609.533px;top:647.4px;">368 </div><div id="a11974" style="position:absolute;left:698.893px;top:647.4px;">- </div><div id="a11978" style="position:absolute;left:773.84px;top:647.4px;">- </div><div id="a11981" style="position:absolute;left:19.2px;top:663.4px;">Auto: </div><div id="a12000" style="position:absolute;left:19.2px;top:679.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Charge-offs </div><div id="a12008" style="position:absolute;font-weight:bold;left:459.333px;top:679.4px;">474 </div><div id="a12012" style="position:absolute;left:534.56px;top:679.4px;">600 </div><div id="a12016" style="position:absolute;left:609.533px;top:679.4px;">375 </div><div id="a12020" style="position:absolute;left:698.893px;top:679.4px;">- </div><div id="a12024" style="position:absolute;left:773.84px;top:679.4px;">- </div><div id="a12027" style="position:absolute;left:19.2px;top:695.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Recoveries </div><div id="a12033" style="position:absolute;font-weight:bold;left:456.4px;top:695.4px;">(211) </div><div id="a12037" style="position:absolute;left:531.627px;top:695.4px;">(229) </div><div id="a12041" style="position:absolute;left:606.6px;top:695.4px;">(343) </div><div id="a12045" style="position:absolute;left:698.893px;top:695.4px;">- </div><div id="a12049" style="position:absolute;left:773.84px;top:695.4px;">- </div><div id="a12052" style="position:absolute;left:19.2px;top:711.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Total auto </div><div id="a12058" style="position:absolute;font-weight:bold;left:459.333px;top:711.4px;">263 </div><div id="a12062" style="position:absolute;left:534.56px;top:711.4px;">371 </div><div id="a12066" style="position:absolute;left:615.667px;top:711.4px;">32 </div><div id="a12070" style="position:absolute;left:698.893px;top:711.4px;">- </div><div id="a12074" style="position:absolute;left:773.84px;top:711.4px;">- </div><div id="a12077" style="position:absolute;left:19.2px;top:727.4px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total </div><div id="a12082" style="position:absolute;font-weight:bold;left:411.333px;top:727.4px;">$ </div><div id="a12084" style="position:absolute;font-weight:bold;left:450.533px;top:727.4px;">2,114 </div><div id="a12087" style="position:absolute;left:486.307px;top:727.4px;">$ </div><div id="a12089" style="position:absolute;left:525.773px;top:727.4px;">2,069 </div><div id="a12092" style="position:absolute;left:561.227px;top:727.4px;"><div style="display:inline-block;width:2.95px">&#160;</div>$<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12095" style="position:absolute;left:600.733px;top:727.4px;">7,403 </div><div id="a12098" style="position:absolute;left:636.467px;top:727.4px;"><div style="display:inline-block;width:2.93px">&#160;</div>$<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12101" style="position:absolute;left:698.893px;top:727.4px;">- </div><div id="a12104" style="position:absolute;left:711.44px;top:727.4px;"><div style="display:inline-block;width:2.93px">&#160;</div>$<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12107" style="position:absolute;left:773.84px;top:727.4px;">- </div><div id="a12128" style="position:absolute;font-weight:bold;left:19.2px;top:759.4px;">Total Net Charge-offs </div><div id="a12134" style="position:absolute;font-weight:bold;left:411.333px;top:759.4px;">$ </div><div id="a12136" style="position:absolute;font-weight:bold;left:444.667px;top:759.4px;">10,570 </div><div id="a12139" style="position:absolute;left:486.307px;top:759.4px;">$ </div><div id="a12141" style="position:absolute;left:519.907px;top:759.4px;">15,750 </div><div id="a12144" style="position:absolute;left:561.227px;top:759.4px;">$ </div><div id="a12146" style="position:absolute;left:594.867px;top:759.4px;">24,034 </div><div id="a12149" style="position:absolute;left:636.467px;top:759.4px;">$ </div><div id="a12151" style="position:absolute;left:669.8px;top:759.4px;">14,395 </div><div id="a12154" style="position:absolute;left:711.44px;top:759.4px;">$ </div><div id="a12156" style="position:absolute;left:744.773px;top:759.4px;">34,486 </div><div id="a12159" style="position:absolute;font-weight:bold;left:19.2px;top:775.4px;">Net Charge-off Rates </div><div id="a12163" style="position:absolute;font-size:8px;left:391.6px;top:778.4px;">(21) </div><div id="a12181" style="position:absolute;left:19.2px;top:791.4px;">Mortgage </div><div id="a12186" style="position:absolute;font-weight:bold;left:451.067px;top:791.4px;">0.24% </div><div id="a12190" style="position:absolute;left:526.307px;top:791.4px;">0.30% </div><div id="a12194" style="position:absolute;left:601.267px;top:791.4px;">0.86% </div><div id="a12198" style="position:absolute;left:676.2px;top:791.4px;">0.24% </div><div id="a12202" style="position:absolute;left:751.173px;top:791.4px;">5.68% </div><div id="a12205" style="position:absolute;left:19.2px;top:807.4px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12210" style="position:absolute;font-weight:bold;left:451.067px;top:807.4px;">0.04% </div><div id="a12214" style="position:absolute;left:522.56px;top:807.4px;">-0.01% </div><div id="a12219" style="position:absolute;left:601.267px;top:807.4px;">0.76% </div><div id="a12223" style="position:absolute;left:672.467px;top:807.4px;">-0.03% </div><div id="a12228" style="position:absolute;left:751.173px;top:807.4px;">1.86% </div><div id="a12231" style="position:absolute;left:19.2px;top:823.4px;">Consumer </div><div id="a12236" style="position:absolute;font-weight:bold;left:451.067px;top:823.4px;">3.94% </div><div id="a12240" style="position:absolute;left:526.307px;top:823.4px;">3.12% </div><div id="a12244" style="position:absolute;left:601.267px;top:823.4px;">4.63% </div><div id="a12248" style="position:absolute;left:676.2px;top:823.4px;">5.15% </div><div id="a12252" style="position:absolute;left:751.173px;top:823.4px;">3.93% </div><div id="a12255" style="position:absolute;left:19.2px;top:839.4px;">Auto </div><div id="a12260" style="position:absolute;font-weight:bold;left:451.067px;top:839.4px;">1.17% </div><div id="a12264" style="position:absolute;left:526.307px;top:839.4px;">2.72% </div><div id="a12268" style="position:absolute;left:601.267px;top:839.4px;">2.31% </div><div id="a12272" style="position:absolute;left:676.2px;top:839.4px;">2.73% </div><div id="a12276" style="position:absolute;left:751.173px;top:839.4px;">2.09% </div><div id="a12279" style="position:absolute;left:19.2px;top:855.4px;"><div style="display:inline-block;width:29.6px">&#160;</div>Total </div><div id="a12285" style="position:absolute;font-weight:bold;left:451.067px;top:855.4px;">0.62% </div><div id="a12289" style="position:absolute;left:526.307px;top:855.4px;">0.92% </div><div id="a12293" style="position:absolute;left:601.267px;top:855.4px;">1.44% </div><div id="a12297" style="position:absolute;left:676.2px;top:855.4px;">1.28% </div><div id="a12301" style="position:absolute;left:751.173px;top:855.4px;">3.04% </div><div id="a12303" style="position:absolute;font-size:8px;left:783.44px;top:858.4px;">(b) </div><div id="a12305" style="position:absolute;font-weight:bold;left:19.2px;top:871.4px;">Average Loans Held For Investment </div><div id="a12307" style="position:absolute;font-size:8px;left:391.6px;top:874.4px;">(21) </div><div id="a12325" style="position:absolute;left:19.2px;top:887.4px;">Mortgage </div><div id="a12329" style="position:absolute;font-weight:bold;left:411.333px;top:887.4px;">$ </div><div id="a12331" style="position:absolute;font-weight:bold;left:429.733px;top:887.4px;">2,325,756 </div><div id="a12334" style="position:absolute;left:486.307px;top:887.4px;">$ </div><div id="a12336" style="position:absolute;left:504.973px;top:887.4px;">2,366,600 </div><div id="a12339" style="position:absolute;left:561.227px;top:887.4px;">$ </div><div id="a12341" style="position:absolute;left:579.907px;top:887.4px;">2,414,685 </div><div id="a12344" style="position:absolute;left:636.467px;top:887.4px;">$ </div><div id="a12346" style="position:absolute;left:654.867px;top:887.4px;">1,062,845 </div><div id="a12349" style="position:absolute;left:711.44px;top:887.4px;">$ </div><div id="a12351" style="position:absolute;left:729.84px;top:887.4px;">1,112,488 </div><div id="a12354" style="position:absolute;left:19.2px;top:903.5px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12359" style="position:absolute;font-weight:bold;left:429.733px;top:903.5px;">2,484,977 </div><div id="a12363" style="position:absolute;left:504.973px;top:903.5px;">2,484,573 </div><div id="a12367" style="position:absolute;left:579.907px;top:903.5px;">2,239,684 </div><div id="a12371" style="position:absolute;left:654.867px;top:903.5px;">1,753,069 </div><div id="a12375" style="position:absolute;left:729.84px;top:903.5px;">1,772,332 </div><div id="a12378" style="position:absolute;left:19.2px;top:919.5px;">Consumer </div><div id="a12383" style="position:absolute;font-weight:bold;left:438.533px;top:919.5px;">457,620 </div><div id="a12387" style="position:absolute;left:513.773px;top:919.5px;">479,957 </div><div id="a12391" style="position:absolute;left:588.733px;top:919.5px;">496,313 </div><div id="a12395" style="position:absolute;left:663.667px;top:919.5px;">395,611 </div><div id="a12399" style="position:absolute;left:738.627px;top:919.5px;">392,725 </div><div id="a12402" style="position:absolute;left:19.2px;top:935.5px;">Auto </div><div id="a12407" style="position:absolute;font-weight:bold;left:429.733px;top:935.5px;">1,518,669 </div><div id="a12411" style="position:absolute;left:504.973px;top:935.5px;">1,509,521 </div><div id="a12415" style="position:absolute;left:579.907px;top:935.5px;">1,537,194 </div><div id="a12419" style="position:absolute;left:654.867px;top:935.5px;">1,288,546 </div><div id="a12423" style="position:absolute;left:729.84px;top:935.5px;">1,261,501 </div><div id="a12426" style="position:absolute;left:19.2px;top:951.5px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total </div><div id="a12431" style="position:absolute;font-weight:bold;left:411.333px;top:951.5px;">$ </div><div id="a12433" style="position:absolute;font-weight:bold;left:429.733px;top:951.5px;">6,787,022 </div><div id="a12436" style="position:absolute;left:486.307px;top:951.5px;">$ </div><div id="a12438" style="position:absolute;left:504.973px;top:951.5px;">6,840,650 </div><div id="a12441" style="position:absolute;left:561.227px;top:951.5px;">$ </div><div id="a12443" style="position:absolute;left:579.907px;top:951.5px;">6,687,875 </div><div id="a12446" style="position:absolute;left:636.467px;top:951.5px;">$ </div><div id="a12448" style="position:absolute;left:654.867px;top:951.5px;">4,500,071 </div><div id="a12451" style="position:absolute;left:711.44px;top:951.5px;">$ </div><div id="a12453" style="position:absolute;left:729.84px;top:951.5px;">4,539,045 </div></div>
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<div id="a12474" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a12476" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a12478" style="position:absolute;font-size:9.333px;left:19.2px;top:67.7px;">(a) During 3Q 2019, the Company received $2.4 million proceeds from the sale of fully charged-off originated auto and consumer loans.<div style="display:inline-block;width:2.91px">&#160;</div></div><div id="a12483" style="position:absolute;font-size:9.333px;left:19.2px;top:78.6px;">(b) During 3Q 2019, the Company decided to sell several non-performing originated loans, which were sold during 4Q 2019, increasing charge-offs by $15.9 million, $4.4 million in </div><div id="a12489" style="position:absolute;font-size:9.333px;left:19.2px;top:89.3px;">commercial loans and $11.5 million in residential mortgages. </div><div id="a12510" style="position:absolute;left:397.467px;top:117.9px;">9 </div></div>
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<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:824.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:824.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:824.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:824.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:824.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:592.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:592.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:592.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:592.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:592.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:591.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:591.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:591.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:591.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:591.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:316.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:316.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:316.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:316.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:316.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:224.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:224.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:224.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:224.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:224.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:222.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:222.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:222.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:222.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:222.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:806.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:806.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:806.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:806.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:806.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:713.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:713.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:713.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:713.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:713.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:575.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:575.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:575.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:575.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:575.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:725.6px; top:206.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.2px; height:1px; left:651.4px; top:206.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:564.4px; top:206.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:490.3px; top:206.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1px; left:416.4px; top:206.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:470.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:453.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:315.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:239.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:222.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:146.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:144px; height:1.3px; left:651.4px; top:130.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1.3px; left:564.4px; top:130.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:490.3px; top:130.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.9px; height:1.3px; left:416.4px; top:130.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:393.2px; height:1.3px; left:19.2px; top:130.4px; background-color:#000000;">&#160;</div>
<div id="a12513" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a12515" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a12534" style="position:absolute;font-size:13.333px;font-weight:bold;left:21.867px;top:82.4px;">Table 6-2: Loan<div style="display:inline-block;width:5.1px">&#160;</div>Information and Performance Statistics (Excludes PCD Loans) (1) </div><div id="a12540" style="position:absolute;font-size:13.333px;font-weight:bold;left:21.867px;top:99.2px;">OFG Bancorp (NYSE: OFG) </div><div id="a12544" style="position:absolute;font-weight:bold;left:439.6px;top:102.5px;">2020 </div><div id="a12547" style="position:absolute;left:513.507px;top:102.5px;">2020 </div><div id="a12550" style="position:absolute;left:587.667px;top:102.5px;">2020 </div><div id="a12553" style="position:absolute;left:674.6px;top:102.5px;">2019 </div><div id="a12556" style="position:absolute;left:748.507px;top:102.5px;">2019 </div><div id="a12558" style="position:absolute;font-weight:bold;left:21.867px;top:116.6px;">(Dollars in thousands) (unaudited) </div><div id="a12562" style="position:absolute;font-weight:bold;left:444.4px;top:118.5px;">Q3 </div><div id="a12565" style="position:absolute;left:518.293px;top:118.5px;">Q2 </div><div id="a12568" style="position:absolute;left:592.467px;top:118.5px;">Q1 </div><div id="a12571" style="position:absolute;left:679.4px;top:118.5px;">Q4 </div><div id="a12574" style="position:absolute;left:753.307px;top:118.5px;">Q3 </div><div id="a12576" style="position:absolute;font-weight:bold;left:21.867px;top:134.5px;">Early Delinquency (30 - 89 days past due) </div><div id="a12597" style="position:absolute;left:21.867px;top:149.4px;">Mortgage </div><div id="a12601" style="position:absolute;font-weight:bold;left:419.067px;top:149.4px;">$ </div><div id="a12603" style="position:absolute;font-weight:bold;left:447.067px;top:149.4px;">16,783 </div><div id="a12606" style="position:absolute;left:492.973px;top:149.4px;">$ </div><div id="a12608" style="position:absolute;left:521.227px;top:149.4px;">15,665 </div><div id="a12611" style="position:absolute;left:567.107px;top:149.4px;">$ </div><div id="a12613" style="position:absolute;left:595.133px;top:149.4px;">20,518 </div><div id="a12617" style="position:absolute;left:654.067px;top:149.4px;">$ </div><div id="a12619" style="position:absolute;left:682.067px;top:149.4px;">22,389 </div><div id="a12622" style="position:absolute;left:727.96px;top:149.4px;">$ </div><div id="a12624" style="position:absolute;left:756.227px;top:149.4px;">21,631 </div><div id="a12626" style="position:absolute;left:21.867px;top:164.3px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12631" style="position:absolute;font-weight:bold;left:452.933px;top:164.3px;">5,151 </div><div id="a12635" style="position:absolute;left:527.093px;top:164.3px;">7,704 </div><div id="a12639" style="position:absolute;left:601px;top:164.3px;">6,074 </div><div id="a12643" style="position:absolute;left:687.933px;top:164.3px;">9,895 </div><div id="a12647" style="position:absolute;left:762.107px;top:164.3px;">4,467 </div><div id="a12649" style="position:absolute;left:21.867px;top:179.3px;">Consumer </div><div id="a12654" style="position:absolute;font-weight:bold;left:447.067px;top:179.3px;">12,032 </div><div id="a12658" style="position:absolute;left:521.227px;top:179.3px;">18,254 </div><div id="a12662" style="position:absolute;left:595.133px;top:179.3px;">13,127 </div><div id="a12666" style="position:absolute;left:687.933px;top:179.3px;">9,560 </div><div id="a12670" style="position:absolute;left:762.107px;top:179.3px;">9,360 </div><div id="a12672" style="position:absolute;left:21.867px;top:194.5px;">Auto </div><div id="a12677" style="position:absolute;font-weight:bold;left:447.067px;top:194.5px;">87,912 </div><div id="a12681" style="position:absolute;left:521.227px;top:194.5px;">89,825 </div><div id="a12685" style="position:absolute;left:589px;top:194.5px;">110,959 </div><div id="a12689" style="position:absolute;left:675.933px;top:194.5px;">103,749 </div><div id="a12693" style="position:absolute;left:750.107px;top:194.5px;">103,452 </div><div id="a12695" style="position:absolute;left:21.867px;top:210.5px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total </div><div id="a12700" style="position:absolute;font-weight:bold;left:419.067px;top:210.5px;">$ </div><div id="a12702" style="position:absolute;font-weight:bold;left:440.933px;top:210.5px;">121,878 </div><div id="a12705" style="position:absolute;left:492.973px;top:210.5px;">$ </div><div id="a12707" style="position:absolute;left:515.093px;top:210.5px;">131,448 </div><div id="a12710" style="position:absolute;left:567.107px;top:210.5px;">$ </div><div id="a12712" style="position:absolute;left:589px;top:210.5px;">150,678 </div><div id="a12714" style="position:absolute;font-size:8px;left:637px;top:213.2px;">(a) </div><div id="a12716" style="position:absolute;left:654.067px;top:210.5px;">$ </div><div id="a12718" style="position:absolute;left:675.933px;top:210.5px;">145,593 </div><div id="a12721" style="position:absolute;left:727.96px;top:210.5px;">$ </div><div id="a12723" style="position:absolute;left:750.107px;top:210.5px;">138,910 </div><div id="a12725" style="position:absolute;font-weight:bold;left:21.867px;top:227.3px;">Early Delinquency Rates (30 - 89 days past due) </div><div id="a12746" style="position:absolute;left:21.867px;top:242.5px;">Mortgage </div><div id="a12751" style="position:absolute;font-weight:bold;left:453.467px;top:242.5px;">1.98% </div><div id="a12755" style="position:absolute;left:527.64px;top:242.5px;">1.79% </div><div id="a12759" style="position:absolute;left:601.533px;top:242.5px;">2.31% </div><div id="a12763" style="position:absolute;left:688.467px;top:242.5px;">2.49% </div><div id="a12767" style="position:absolute;left:762.627px;top:242.5px;">3.68% </div><div id="a12769" style="position:absolute;left:21.867px;top:257.4px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12774" style="position:absolute;font-weight:bold;left:453.467px;top:257.4px;">0.29% </div><div id="a12778" style="position:absolute;left:527.64px;top:257.4px;">0.40% </div><div id="a12782" style="position:absolute;left:601.533px;top:257.4px;">0.32% </div><div id="a12786" style="position:absolute;left:688.467px;top:257.4px;">0.53% </div><div id="a12790" style="position:absolute;left:762.627px;top:257.4px;">0.28% </div><div id="a12792" style="position:absolute;left:21.867px;top:272.4px;">Consumer </div><div id="a12797" style="position:absolute;font-weight:bold;left:453.467px;top:272.4px;">2.77% </div><div id="a12801" style="position:absolute;left:527.64px;top:272.4px;">3.98% </div><div id="a12805" style="position:absolute;left:601.533px;top:272.4px;">2.73% </div><div id="a12809" style="position:absolute;left:688.467px;top:272.4px;">1.93% </div><div id="a12813" style="position:absolute;left:762.627px;top:272.4px;">2.44% </div><div id="a12815" style="position:absolute;left:21.867px;top:287.3px;">Auto </div><div id="a12820" style="position:absolute;font-weight:bold;left:453.467px;top:287.3px;">5.81% </div><div id="a12824" style="position:absolute;left:527.64px;top:287.3px;">6.17% </div><div id="a12828" style="position:absolute;left:601.533px;top:287.3px;">7.46% </div><div id="a12832" style="position:absolute;left:688.467px;top:287.3px;">7.01% </div><div id="a12836" style="position:absolute;left:762.627px;top:287.3px;">8.10% </div><div id="a12838" style="position:absolute;left:21.867px;top:303.3px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total </div><div id="a12844" style="position:absolute;font-weight:bold;left:453.467px;top:303.3px;">2.50% </div><div id="a12848" style="position:absolute;left:527.64px;top:303.3px;">2.64% </div><div id="a12852" style="position:absolute;left:601.533px;top:303.3px;">3.16% </div><div id="a12856" style="position:absolute;left:688.467px;top:303.3px;">3.07% </div><div id="a12860" style="position:absolute;left:762.627px;top:303.3px;">3.63% </div><div id="a12862" style="position:absolute;font-weight:bold;left:21.867px;top:320.4px;">Total Delinquency (30 days and over past due) </div><div id="a12880" style="position:absolute;left:21.867px;top:335.3px;">Mortgage: </div><div id="a12898" style="position:absolute;left:21.867px;top:350.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>Traditional, Non traditional, and Loans under Loss Mitigation </div><div id="a12903" style="position:absolute;font-weight:bold;left:419.067px;top:350.5px;">$ </div><div id="a12905" style="position:absolute;font-weight:bold;left:447.067px;top:350.5px;">51,123 </div><div id="a12908" style="position:absolute;left:492.973px;top:350.5px;">$ </div><div id="a12910" style="position:absolute;left:521.227px;top:350.5px;">40,719 </div><div id="a12913" style="position:absolute;left:567.107px;top:350.5px;">$ </div><div id="a12915" style="position:absolute;left:595.133px;top:350.5px;">46,768 </div><div id="a12918" style="position:absolute;left:654.067px;top:350.5px;">$ </div><div id="a12920" style="position:absolute;left:682.067px;top:350.5px;">41,314 </div><div id="a12923" style="position:absolute;left:727.96px;top:350.5px;">$ </div><div id="a12925" style="position:absolute;left:756.227px;top:350.5px;">40,194 </div><div id="a12927" style="position:absolute;left:21.867px;top:365.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>GNMA&apos;s buy-back option program </div><div id="a12935" style="position:absolute;font-weight:bold;left:447.067px;top:365.5px;">62,651 </div><div id="a12939" style="position:absolute;left:521.227px;top:365.5px;">75,091 </div><div id="a12943" style="position:absolute;left:595.133px;top:365.5px;">75,314 </div><div id="a12947" style="position:absolute;left:682.067px;top:365.5px;">75,181 </div><div id="a12951" style="position:absolute;left:756.227px;top:365.5px;">11,403 </div><div id="a12953" style="position:absolute;left:21.867px;top:380.4px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total mortgage </div><div id="a12959" style="position:absolute;font-weight:bold;left:440.933px;top:380.4px;">113,774 </div><div id="a12963" style="position:absolute;left:515.093px;top:380.4px;">115,810 </div><div id="a12967" style="position:absolute;left:589px;top:380.4px;">122,082 </div><div id="a12971" style="position:absolute;left:675.933px;top:380.4px;">116,495 </div><div id="a12975" style="position:absolute;left:756.227px;top:380.4px;">51,597 </div><div id="a12977" style="position:absolute;left:21.867px;top:395.3px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a12982" style="position:absolute;font-weight:bold;left:447.067px;top:395.3px;">35,596 </div><div id="a12986" style="position:absolute;left:521.227px;top:395.3px;">38,258 </div><div id="a12990" style="position:absolute;left:595.133px;top:395.3px;">33,746 </div><div id="a12994" style="position:absolute;left:682.067px;top:395.3px;">30,111 </div><div id="a12998" style="position:absolute;left:756.227px;top:395.3px;">25,271 </div><div id="a13000" style="position:absolute;left:21.867px;top:410.5px;">Consumer </div><div id="a13005" style="position:absolute;font-weight:bold;left:447.067px;top:410.5px;">17,080 </div><div id="a13009" style="position:absolute;left:521.227px;top:410.5px;">22,796 </div><div id="a13013" style="position:absolute;left:595.133px;top:410.5px;">16,808 </div><div id="a13017" style="position:absolute;left:682.067px;top:410.5px;">12,258 </div><div id="a13021" style="position:absolute;left:756.227px;top:410.5px;">11,927 </div><div id="a13023" style="position:absolute;left:21.867px;top:425.5px;">Auto </div><div id="a13028" style="position:absolute;font-weight:bold;left:440.933px;top:425.5px;">109,735 </div><div id="a13032" style="position:absolute;left:515.093px;top:425.5px;">100,027 </div><div id="a13036" style="position:absolute;left:589px;top:425.5px;">131,715 </div><div id="a13040" style="position:absolute;left:675.933px;top:425.5px;">118,020 </div><div id="a13044" style="position:absolute;left:750.107px;top:425.5px;">117,716 </div><div id="a13046" style="position:absolute;left:21.867px;top:441.5px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total </div><div id="a13051" style="position:absolute;font-weight:bold;left:419.067px;top:441.5px;">$ </div><div id="a13053" style="position:absolute;font-weight:bold;left:440.933px;top:441.5px;">276,185 </div><div id="a13056" style="position:absolute;left:492.973px;top:441.5px;">$ </div><div id="a13058" style="position:absolute;left:515.093px;top:441.5px;">276,891 </div><div id="a13061" style="position:absolute;left:567.107px;top:441.5px;">$ </div><div id="a13063" style="position:absolute;left:589px;top:441.5px;">304,351 </div><div id="a13065" style="position:absolute;font-size:8px;left:637px;top:444.2px;">(a) </div><div id="a13067" style="position:absolute;left:654.067px;top:441.5px;">$ </div><div id="a13069" style="position:absolute;left:675.933px;top:441.5px;">276,884 </div><div id="a13072" style="position:absolute;left:727.96px;top:441.5px;">$ </div><div id="a13074" style="position:absolute;left:750.107px;top:441.5px;">206,511 </div><div id="a13076" style="position:absolute;font-weight:bold;left:21.867px;top:458.5px;">Total Delinquency Rates (30 days and over past due) </div><div id="a13094" style="position:absolute;left:21.867px;top:473.5px;">Mortgage: </div><div id="a13112" style="position:absolute;left:21.867px;top:488.4px;"><div style="display:inline-block;width:11.73px">&#160;</div>Traditional, Non traditional, and Loans under Loss Mitigation </div><div id="a13118" style="position:absolute;font-weight:bold;left:453.467px;top:488.4px;">6.03% </div><div id="a13122" style="position:absolute;left:527.64px;top:488.4px;">4.66% </div><div id="a13126" style="position:absolute;left:601.533px;top:488.4px;">5.27% </div><div id="a13130" style="position:absolute;left:688.467px;top:488.4px;">4.60% </div><div id="a13134" style="position:absolute;left:762.627px;top:488.4px;">6.83% </div><div id="a13136" style="position:absolute;left:21.867px;top:503.4px;"><div style="display:inline-block;width:11.73px">&#160;</div>GNMA&apos;s buy-back option program </div><div id="a13144" style="position:absolute;font-weight:bold;left:453.467px;top:503.4px;">7.39% </div><div id="a13148" style="position:absolute;left:527.64px;top:503.4px;">8.59% </div><div id="a13152" style="position:absolute;left:601.533px;top:503.4px;">8.48% </div><div id="a13156" style="position:absolute;left:688.467px;top:503.4px;">8.37% </div><div id="a13160" style="position:absolute;left:762.627px;top:503.4px;">1.94% </div><div id="a13162" style="position:absolute;left:21.867px;top:518.6px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total mortgage </div><div id="a13168" style="position:absolute;font-weight:bold;left:447.333px;top:518.6px;">13.42% </div><div id="a13172" style="position:absolute;left:521.507px;top:518.6px;">13.25% </div><div id="a13176" style="position:absolute;left:595.4px;top:518.6px;">13.75% </div><div id="a13180" style="position:absolute;left:682.333px;top:518.6px;">12.97% </div><div id="a13184" style="position:absolute;left:762.627px;top:518.6px;">8.77% </div><div id="a13186" style="position:absolute;left:21.867px;top:533.5px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a13191" style="position:absolute;font-weight:bold;left:453.467px;top:533.5px;">1.99% </div><div id="a13195" style="position:absolute;left:527.64px;top:533.5px;">1.99% </div><div id="a13199" style="position:absolute;left:601.533px;top:533.5px;">1.77% </div><div id="a13203" style="position:absolute;left:688.467px;top:533.5px;">1.62% </div><div id="a13207" style="position:absolute;left:762.627px;top:533.5px;">1.60% </div><div id="a13209" style="position:absolute;left:21.867px;top:548.4px;">Consumer </div><div id="a13214" style="position:absolute;font-weight:bold;left:453.467px;top:548.4px;">3.93% </div><div id="a13218" style="position:absolute;left:527.64px;top:548.4px;">4.97% </div><div id="a13222" style="position:absolute;left:601.533px;top:548.4px;">3.49% </div><div id="a13226" style="position:absolute;left:688.467px;top:548.4px;">2.48% </div><div id="a13230" style="position:absolute;left:762.627px;top:548.4px;">3.11% </div><div id="a13232" style="position:absolute;left:21.867px;top:563.4px;">Auto </div><div id="a13237" style="position:absolute;font-weight:bold;left:453.467px;top:563.4px;">7.26% </div><div id="a13241" style="position:absolute;left:527.64px;top:563.4px;">6.87% </div><div id="a13245" style="position:absolute;left:601.533px;top:563.4px;">8.85% </div><div id="a13249" style="position:absolute;left:688.467px;top:563.4px;">7.98% </div><div id="a13253" style="position:absolute;left:762.627px;top:563.4px;">9.22% </div><div id="a13255" style="position:absolute;left:21.867px;top:579.4px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total </div><div id="a13261" style="position:absolute;font-weight:bold;left:453.467px;top:579.4px;">5.67% </div><div id="a13265" style="position:absolute;left:527.64px;top:579.4px;">5.56% </div><div id="a13269" style="position:absolute;left:601.533px;top:579.4px;">6.38% </div><div id="a13273" style="position:absolute;left:688.467px;top:579.4px;">5.85% </div><div id="a13277" style="position:absolute;left:762.627px;top:579.4px;">5.40% </div><div id="a13279" style="position:absolute;font-weight:bold;left:21.867px;top:596.4px;">Nonperforming Assets </div><div id="a13281" style="position:absolute;font-size:8px;left:392.667px;top:599.4px;">(14) </div><div id="a13298" style="position:absolute;left:21.867px;top:611.4px;">Mortgage </div><div id="a13302" style="position:absolute;font-weight:bold;left:419.067px;top:611.4px;">$ </div><div id="a13304" style="position:absolute;font-weight:bold;left:447.067px;top:611.4px;">40,477 </div><div id="a13307" style="position:absolute;left:492.973px;top:611.4px;">$ </div><div id="a13309" style="position:absolute;left:521.227px;top:611.4px;">30,491 </div><div id="a13312" style="position:absolute;left:567.107px;top:611.4px;">$ </div><div id="a13314" style="position:absolute;left:595.133px;top:611.4px;">31,073 </div><div id="a13317" style="position:absolute;left:654.067px;top:611.4px;">$ </div><div id="a13319" style="position:absolute;left:682.067px;top:611.4px;">22,552 </div><div id="a13322" style="position:absolute;left:727.96px;top:611.4px;">$ </div><div id="a13324" style="position:absolute;left:756.227px;top:611.4px;">21,138 </div><div id="a13326" style="position:absolute;left:21.867px;top:626.6px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a13331" style="position:absolute;font-weight:bold;left:447.067px;top:626.6px;">44,941 </div><div id="a13335" style="position:absolute;left:521.227px;top:626.6px;">44,187 </div><div id="a13339" style="position:absolute;left:595.133px;top:626.6px;">42,668 </div><div id="a13343" style="position:absolute;left:682.067px;top:626.6px;">42,606 </div><div id="a13347" style="position:absolute;left:756.227px;top:626.6px;">36,409 </div><div id="a13349" style="position:absolute;left:21.867px;top:641.5px;">Consumer </div><div id="a13354" style="position:absolute;font-weight:bold;left:452.933px;top:641.5px;">5,206 </div><div id="a13358" style="position:absolute;left:527.093px;top:641.5px;">4,933 </div><div id="a13362" style="position:absolute;left:601px;top:641.5px;">3,690 </div><div id="a13366" style="position:absolute;left:687.933px;top:641.5px;">5,287 </div><div id="a13370" style="position:absolute;left:762.107px;top:641.5px;">4,213 </div><div id="a13372" style="position:absolute;left:21.867px;top:656.5px;">Auto </div><div id="a13377" style="position:absolute;font-weight:bold;left:447.067px;top:656.5px;">22,583 </div><div id="a13381" style="position:absolute;left:521.227px;top:656.5px;">10,539 </div><div id="a13385" style="position:absolute;left:595.133px;top:656.5px;">21,147 </div><div id="a13389" style="position:absolute;left:682.067px;top:656.5px;">14,295 </div><div id="a13393" style="position:absolute;left:756.227px;top:656.5px;">15,063 </div><div id="a13395" style="position:absolute;left:21.867px;top:671.4px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total nonperforming loans </div><div id="a13401" style="position:absolute;font-weight:bold;left:440.933px;top:671.4px;">113,207 </div><div id="a13405" style="position:absolute;left:521.227px;top:671.4px;">90,150 </div><div id="a13409" style="position:absolute;left:595.133px;top:671.4px;">98,578 </div><div id="a13411" style="position:absolute;font-size:8px;left:637px;top:674.4px;">(a) </div><div id="a13414" style="position:absolute;left:682.067px;top:671.4px;">84,740 </div><div id="a13418" style="position:absolute;left:756.227px;top:671.4px;">76,823 </div><div id="a13420" style="position:absolute;left:21.867px;top:686.6px;">Foreclosed real estate </div><div id="a13425" style="position:absolute;font-weight:bold;left:447.067px;top:686.6px;">21,374 </div><div id="a13429" style="position:absolute;left:521.227px;top:686.6px;">24,792 </div><div id="a13433" style="position:absolute;left:595.133px;top:686.6px;">27,292 </div><div id="a13437" style="position:absolute;left:682.067px;top:686.6px;">29,909 </div><div id="a13441" style="position:absolute;left:756.227px;top:686.6px;">26,952 </div><div id="a13443" style="position:absolute;left:21.867px;top:701.5px;">Other repossessed assets </div><div id="a13448" style="position:absolute;font-weight:bold;left:452.933px;top:701.5px;">1,918 </div><div id="a13452" style="position:absolute;left:527.093px;top:701.5px;">1,360 </div><div id="a13456" style="position:absolute;left:601px;top:701.5px;">3,096 </div><div id="a13460" style="position:absolute;left:687.933px;top:701.5px;">3,327 </div><div id="a13464" style="position:absolute;left:762.107px;top:701.5px;">3,537 </div><div id="a13466" style="position:absolute;left:21.867px;top:717.5px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total nonperforming assets </div><div id="a13471" style="position:absolute;font-weight:bold;left:419.067px;top:717.5px;">$ </div><div id="a13473" style="position:absolute;font-weight:bold;left:440.933px;top:717.5px;">136,499 </div><div id="a13476" style="position:absolute;left:492.973px;top:717.5px;">$ </div><div id="a13478" style="position:absolute;left:515.093px;top:717.5px;">116,302 </div><div id="a13481" style="position:absolute;left:567.107px;top:717.5px;">$ </div><div id="a13483" style="position:absolute;left:589px;top:717.5px;">128,966 </div><div id="a13486" style="position:absolute;left:654.067px;top:717.5px;">$ </div><div id="a13488" style="position:absolute;left:675.933px;top:717.5px;">117,976 </div><div id="a13491" style="position:absolute;left:727.96px;top:717.5px;">$ </div><div id="a13493" style="position:absolute;left:750.107px;top:717.5px;">107,312 </div><div id="a13495" style="position:absolute;font-weight:bold;left:21.867px;top:734.6px;">Nonperforming Loan Rates </div><div id="a13513" style="position:absolute;left:21.867px;top:749.5px;">Mortgage </div><div id="a13518" style="position:absolute;font-weight:bold;left:453.467px;top:749.5px;">4.78% </div><div id="a13522" style="position:absolute;left:527.64px;top:749.5px;">3.49% </div><div id="a13526" style="position:absolute;left:601.533px;top:749.5px;">3.50% </div><div id="a13530" style="position:absolute;left:688.467px;top:749.5px;">2.51% </div><div id="a13534" style="position:absolute;left:762.627px;top:749.5px;">3.59% </div><div id="a13536" style="position:absolute;left:21.867px;top:764.5px;">Commercial<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a13541" style="position:absolute;font-weight:bold;left:453.467px;top:764.5px;">2.52% </div><div id="a13545" style="position:absolute;left:527.64px;top:764.5px;">2.30% </div><div id="a13549" style="position:absolute;left:601.533px;top:764.5px;">2.23% </div><div id="a13553" style="position:absolute;left:688.467px;top:764.5px;">2.29% </div><div id="a13557" style="position:absolute;left:762.627px;top:764.5px;">2.31% </div><div id="a13559" style="position:absolute;left:21.867px;top:779.4px;">Consumer </div><div id="a13564" style="position:absolute;font-weight:bold;left:453.467px;top:779.4px;">1.20% </div><div id="a13568" style="position:absolute;left:527.64px;top:779.4px;">1.08% </div><div id="a13572" style="position:absolute;left:601.533px;top:779.4px;">0.77% </div><div id="a13576" style="position:absolute;left:688.467px;top:779.4px;">1.07% </div><div id="a13580" style="position:absolute;left:762.627px;top:779.4px;">1.10% </div><div id="a13582" style="position:absolute;left:21.867px;top:794.6px;">Auto </div><div id="a13587" style="position:absolute;font-weight:bold;left:453.467px;top:794.6px;">1.49% </div><div id="a13591" style="position:absolute;left:527.64px;top:794.6px;">0.72% </div><div id="a13595" style="position:absolute;left:601.533px;top:794.6px;">1.42% </div><div id="a13599" style="position:absolute;left:688.467px;top:794.6px;">0.97% </div><div id="a13603" style="position:absolute;left:762.627px;top:794.6px;">1.18% </div><div id="a13605" style="position:absolute;left:21.867px;top:810.6px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total loans </div><div id="a13611" style="position:absolute;font-weight:bold;left:453.467px;top:810.6px;">2.33% </div><div id="a13615" style="position:absolute;left:527.64px;top:810.6px;">1.81% </div><div id="a13619" style="position:absolute;left:601.533px;top:810.6px;">2.07% </div><div id="a13623" style="position:absolute;left:688.467px;top:810.6px;">1.79% </div><div id="a13627" style="position:absolute;left:762.627px;top:810.6px;">2.01% </div><div id="a13646" style="position:absolute;font-size:9.333px;left:21.867px;top:838.8px;">(a) During March 2020, a global pandemic was declared by the World Health Organization related to the rapidly growing outbreak<div style="display:inline-block;width:3.02px">&#160;</div>of a novel strain of coronavirus (COVID-19). The </div><div id="a13650" style="position:absolute;font-size:9.333px;left:21.867px;top:849.5px;">pandemic has significantly impacted the economic conditions in P.R.<div style="display:inline-block;width:4.17px">&#160;</div>and the U.S., creating significant uncertainties. After recent disruptions in economic conditions caused by COVID-19, </div><div id="a13654" style="position:absolute;font-size:9.333px;left:21.867px;top:860.1px;">the Company has offered several deferral programs for the payment of principal and interest for auto, personal, credit cards and mortgage, and commercial loans, for customers whose </div><div id="a13657" style="position:absolute;font-size:9.333px;left:21.867px;top:870.8px;">payments were not over 89 days past due at March 12, 2020 and requested to be included in these programs. These loans may have been classified as delinquent loans in 1Q 2020, due </div><div id="a13659" style="position:absolute;font-size:9.333px;left:21.867px;top:881.7px;">to the short proximity to quarter end, and subsequently adjusted when the deferral program was granted. Deferrals dropped to 2% of loans in 3Q 2020 from 30% in 2Q 2020. Most of that </div><div id="a13662" style="position:absolute;font-size:9.333px;left:21.867px;top:892.4px;">relates to about $112 million commercial loans, and most of that represents well-capitalized customers in the hospitality industry. </div><div id="a13668" style="position:absolute;left:401.467px;top:921.1px;">10 </div></div>
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<div style="position:absolute; width:395.1px; height:12.3px; left:366.2px; top:271px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:395.1px; height:12.3px; left:366.2px; top:240.1px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:75px; height:12.3px; left:524.4px; top:177.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75.2px; height:12.3px; left:445.2px; top:177.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:12.3px; left:366.2px; top:177.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:742.1px; height:14.9px; left:19.2px; top:174.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:395.3px; height:1.3px; left:366.2px; top:144.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:12.3px; left:682.3px; top:147px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:12.3px; left:603.4px; top:147px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:12.3px; left:524.4px; top:147px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75.2px; height:12.3px; left:445.2px; top:147px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:12.3px; left:366.2px; top:147px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:742.1px; height:13.6px; left:19.2px; top:145.6px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:74.9px; height:1px; left:607.4px; top:363px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:528.4px; top:363px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:74.9px; height:1px; left:607.4px; top:345.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:528.4px; top:345.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:449.5px; top:345.4px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:75px; height:1px; left:528.4px; top:283.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:449.5px; top:283.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:75px; height:1px; left:528.4px; top:205.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:449.5px; top:205.4px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:283.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:75.2px; height:1px; left:370.2px; top:267.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:686.3px; top:189.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:74.9px; height:1px; left:607.4px; top:189.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:528.4px; top:189.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:449.5px; top:189.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:370.2px; top:189.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:144.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:74.9px; height:1.3px; left:607.4px; top:128.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1.3px; left:528.4px; top:128.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1.3px; left:449.5px; top:128.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1.3px; left:370.2px; top:128.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:128.3px; background-color:#000000;">&#160;</div>
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</div><div id="a13713" style="position:absolute;left:711.96px;top:100.3px;">2019 </div><div id="a13715" style="position:absolute;font-weight:bold;left:19.2px;top:114.5px;">(Dollars in thousands) (unaudited) </div><div id="a13719" style="position:absolute;font-weight:bold;left:400.667px;top:116.3px;">Q3 </div><div id="a13722" style="position:absolute;left:479.6px;top:116.3px;">Q2 </div><div id="a13725" style="position:absolute;left:558.84px;top:116.3px;">Q1 </div><div id="a13728" style="position:absolute;left:637.8px;top:116.3px;">Q4 </div><div id="a13731" style="position:absolute;left:716.773px;top:116.3px;">Q3 </div><div id="a13733" style="position:absolute;font-weight:bold;left:19.2px;top:132.3px;">Nonperforming PCD Loans </div><div id="a13735" style="position:absolute;font-size:8px;left:351.56px;top:135.3px;">(14) </div><div id="a13752" style="position:absolute;left:19.2px;top:147.3px;">Mortgage </div><div id="a13756" 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style="position:absolute;font-weight:bold;left:408.933px;top:162.5px;">79,631 </div><div id="a13789" style="position:absolute;left:487.893px;top:162.5px;">81,064 </div><div id="a13793" style="position:absolute;left:566.84px;top:162.5px;">82,411 </div><div id="a13797" style="position:absolute;left:660.467px;top:162.5px;">225 </div><div id="a13801" style="position:absolute;left:739.707px;top:162.5px;">242 </div><div id="a13803" style="position:absolute;left:19.2px;top:177.4px;">Consumer </div><div id="a13808" style="position:absolute;font-weight:bold;left:435.6px;top:177.4px;">4 </div><div id="a13812" style="position:absolute;left:508.693px;top:177.4px;">12 </div><div id="a13816" style="position:absolute;left:587.667px;top:177.4px;">10 </div><div id="a13820" style="position:absolute;left:660.467px;top:177.4px;">499 </div><div id="a13824" style="position:absolute;left:739.707px;top:177.4px;">560 </div><div id="a13826" style="position:absolute;left:19.2px;top:193.4px;"><div 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style="position:absolute;left:567.107px;top:240.4px;">21.07% </div><div id="a13913" style="position:absolute;left:652.2px;top:240.4px;">0.06% </div><div id="a13917" style="position:absolute;left:731.44px;top:240.4px;">0.12% </div><div id="a13919" style="position:absolute;left:19.2px;top:255.3px;">Consumer </div><div id="a13924" style="position:absolute;font-weight:bold;left:415.333px;top:255.3px;">0.17% </div><div id="a13928" style="position:absolute;left:494.293px;top:255.3px;">0.41% </div><div id="a13932" style="position:absolute;left:573.227px;top:255.3px;">0.30% </div><div id="a13936" style="position:absolute;left:652.2px;top:255.3px;">5.39% </div><div id="a13940" style="position:absolute;left:725.293px;top:255.3px;">69.83% </div><div id="a13942" style="position:absolute;left:19.2px;top:271.3px;"><div style="display:inline-block;width:23.47px">&#160;</div>Total </div><div id="a13948" style="position:absolute;font-weight:bold;left:415.333px;top:271.3px;">4.26% </div><div id="a13952" 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<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:440.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:439.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:439.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:439.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:439.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:439.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:458px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:458px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:458px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:458px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:458px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:332.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:332.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:332.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:332.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.1px; height:1px; left:366.2px; top:332.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:330.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:330.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:330.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:330.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.1px; height:1px; left:366.2px; top:330.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:223px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:223px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:223px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:223px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:223px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:221.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:221.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:221.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:221.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:221.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:423.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:423.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:423.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:423.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:423.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:314.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:314.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:314.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:314.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.1px; height:1px; left:366.2px; top:314.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:680.5px; top:205.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:602.3px; top:205.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:524.4px; top:205.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1px; left:446.3px; top:205.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1px; left:369.4px; top:205.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:363.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:347.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:254.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:145.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:238.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1.3px; left:680.5px; top:129.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1.3px; left:602.3px; top:129.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1.3px; left:524.4px; top:129.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.2px; height:1.3px; left:446.3px; top:129.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:73.9px; height:1.3px; left:369.4px; top:129.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:347px; height:1.3px; left:19.2px; top:129.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:386px; height:1.3px; left:369.4px; top:113.4px; background-color:#000000;">&#160;</div>
<div id="a14108" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a14110" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a14112" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a14131" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:82.4px;">Table 7: Allowance for Credit Losses (1) </div><div id="a14147" style="position:absolute;font-weight:bold;left:473.733px;top:99.5px;">Quarter Ended September 30, 2020 </div><div id="a14149" style="position:absolute;font-weight:bold;left:19.2px;top:116.1px;">(Dollars in thousands) (unaudited) </div><div id="a14153" style="position:absolute;font-weight:bold;left:382.267px;top:117.4px;">Mortgage </div><div id="a14156" style="position:absolute;font-weight:bold;left:453.2px;top:117.4px;">Commercial </div><div id="a14159" style="position:absolute;font-weight:bold;left:535.36px;top:117.4px;">Consumer </div><div id="a14162" style="position:absolute;font-weight:bold;left:627.667px;top:117.4px;">Auto </div><div id="a14165" style="position:absolute;font-weight:bold;left:705.04px;top:117.4px;">Total </div><div id="a14167" style="position:absolute;font-weight:bold;left:19.2px;top:133.4px;">Allowance for credit losses Non-PCD: </div><div id="a14187" style="position:absolute;left:19.2px;top:148.3px;"><div style="display:inline-block;width:5.87px">&#160;</div>Balance at beginning of period </div><div id="a14192" style="position:absolute;font-weight:bold;left:369.173px;top:148.3px;">$ </div><div id="a14194" style="position:absolute;font-weight:bold;left:406.8px;top:148.3px;">19,973 </div><div id="a14197" style="position:absolute;font-weight:bold;left:446.267px;top:148.3px;">$ </div><div id="a14199" style="position:absolute;font-weight:bold;left:484.96px;top:148.3px;">43,011 </div><div id="a14202" style="position:absolute;font-weight:bold;left:524.44px;top:148.3px;">$ </div><div id="a14204" style="position:absolute;font-weight:bold;left:562.84px;top:148.3px;">31,954 </div><div id="a14207" style="position:absolute;font-weight:bold;left:602.333px;top:148.3px;">$ </div><div id="a14209" style="position:absolute;font-weight:bold;left:641px;top:148.3px;">56,569 </div><div id="a14212" style="position:absolute;font-weight:bold;left:680.467px;top:148.3px;">$ </div><div id="a14214" style="position:absolute;font-weight:bold;left:712.773px;top:148.3px;">151,507 </div><div id="a14216" style="position:absolute;left:19.2px;top:163.3px;"><div style="display:inline-block;width:8.8px">&#160;</div>(Recapture) provision for credit losses </div><div id="a14222" style="position:absolute;font-weight:bold;left:418.533px;top:163.3px;">(564) </div><div id="a14226" style="position:absolute;font-weight:bold;left:487.64px;top:163.3px;">(1,771) </div><div id="a14230" style="position:absolute;font-weight:bold;left:574.56px;top:163.3px;">(378) </div><div id="a14234" style="position:absolute;font-weight:bold;left:641px;top:163.3px;">16,071 </div><div id="a14238" style="position:absolute;font-weight:bold;left:718.893px;top:163.3px;">13,358 </div><div id="a14240" style="position:absolute;left:19.2px;top:178.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>Charge-offs </div><div id="a14248" style="position:absolute;font-weight:bold;left:424.4px;top:178.5px;">(56) </div><div id="a14252" style="position:absolute;font-weight:bold;left:496.693px;top:178.5px;">(298) </div><div id="a14256" style="position:absolute;font-weight:bold;left:565.507px;top:178.5px;">(5,114) </div><div id="a14260" style="position:absolute;font-weight:bold;left:637.8px;top:178.5px;">(10,123) </div><div id="a14264" style="position:absolute;font-weight:bold;left:715.707px;top:178.5px;">(15,591) </div><div id="a14266" style="position:absolute;left:19.2px;top:193.4px;"><div style="display:inline-block;width:11.73px">&#160;</div>Recoveries </div><div id="a14272" style="position:absolute;font-weight:bold;left:421.467px;top:193.4px;">269 </div><div id="a14276" style="position:absolute;font-weight:bold;left:499.64px;top:193.4px;">253 </div><div id="a14280" style="position:absolute;font-weight:bold;left:577.507px;top:193.4px;">663 </div><div id="a14284" style="position:absolute;font-weight:bold;left:646.867px;top:193.4px;">5,950 </div><div id="a14288" style="position:absolute;font-weight:bold;left:724.773px;top:193.4px;">7,135 </div><div id="a14290" style="position:absolute;left:19.2px;top:209.4px;"><div style="display:inline-block;width:17.6px">&#160;</div>Balance at end of period </div><div id="a14295" style="position:absolute;font-weight:bold;left:369.173px;top:209.4px;">$ </div><div id="a14297" style="position:absolute;font-weight:bold;left:406.8px;top:209.4px;">19,622 </div><div id="a14300" style="position:absolute;font-weight:bold;left:446.267px;top:209.4px;">$ </div><div id="a14302" style="position:absolute;font-weight:bold;left:484.96px;top:209.4px;">41,195 </div><div id="a14305" style="position:absolute;font-weight:bold;left:524.44px;top:209.4px;">$ </div><div id="a14307" style="position:absolute;font-weight:bold;left:562.84px;top:209.4px;">27,125 </div><div id="a14310" style="position:absolute;font-weight:bold;left:602.333px;top:209.4px;">$ </div><div id="a14312" style="position:absolute;font-weight:bold;left:641px;top:209.4px;">68,467 </div><div id="a14315" style="position:absolute;font-weight:bold;left:680.467px;top:209.4px;">$ </div><div id="a14317" style="position:absolute;font-weight:bold;left:712.773px;top:209.4px;">156,409 </div><div id="a14336" style="position:absolute;font-weight:bold;left:19.2px;top:242.5px;">Allowance for credit losses PCD: </div><div id="a14354" style="position:absolute;left:19.2px;top:257.4px;"><div style="display:inline-block;width:5.87px">&#160;</div>Balance at beginning of period </div><div id="a14359" style="position:absolute;font-weight:bold;left:369.173px;top:257.4px;">$ </div><div id="a14361" style="position:absolute;font-weight:bold;left:406.8px;top:257.4px;">30,919 </div><div id="a14364" style="position:absolute;font-weight:bold;left:446.267px;top:257.4px;">$ </div><div id="a14366" style="position:absolute;font-weight:bold;left:484.96px;top:257.4px;">48,914 </div><div id="a14369" style="position:absolute;font-weight:bold;left:524.44px;top:257.4px;">$ </div><div id="a14371" style="position:absolute;font-weight:bold;left:577.507px;top:257.4px;">169 </div><div id="a14374" style="position:absolute;font-weight:bold;left:602.333px;top:257.4px;">$ </div><div id="a14376" style="position:absolute;font-weight:bold;left:646.867px;top:257.4px;">1,192 </div><div id="a14379" style="position:absolute;font-weight:bold;left:680.467px;top:257.4px;">$ </div><div id="a14381" style="position:absolute;font-weight:bold;left:718.893px;top:257.4px;">81,194 </div><div id="a14383" style="position:absolute;left:19.2px;top:272.4px;"><div style="display:inline-block;width:11.73px">&#160;</div>Provision (recapture) for credit losses </div><div id="a14389" style="position:absolute;font-weight:bold;left:412.667px;top:272.4px;">1,077 </div><div id="a14393" style="position:absolute;font-weight:bold;left:487.64px;top:272.4px;">(1,262) </div><div id="a14397" style="position:absolute;font-weight:bold;left:591.933px;top:272.4px;">- </div><div id="a14401" style="position:absolute;font-weight:bold;left:667.667px;top:272.4px;">9 </div><div id="a14405" style="position:absolute;font-weight:bold;left:730.64px;top:272.4px;">(176) </div><div id="a14407" style="position:absolute;left:19.2px;top:287.3px;"><div style="display:inline-block;width:11.73px">&#160;</div>Charge-offs </div><div id="a14415" style="position:absolute;font-weight:bold;left:409.467px;top:287.3px;">(1,677) </div><div id="a14419" style="position:absolute;font-weight:bold;left:496.693px;top:287.3px;">(293) </div><div id="a14423" style="position:absolute;font-weight:bold;left:580.44px;top:287.3px;">(60) </div><div id="a14427" style="position:absolute;font-weight:bold;left:652.733px;top:287.3px;">(474) </div><div id="a14431" style="position:absolute;font-weight:bold;left:721.56px;top:287.3px;">(2,504) </div><div id="a14433" style="position:absolute;left:19.2px;top:302.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>Recoveries </div><div id="a14439" style="position:absolute;font-weight:bold;left:427.6px;top:302.5px;">89 </div><div id="a14443" style="position:absolute;font-weight:bold;left:505.76px;top:302.5px;">91 </div><div id="a14447" style="position:absolute;font-weight:bold;left:586.307px;top:302.5px;">(1) </div><div id="a14451" style="position:absolute;font-weight:bold;left:655.667px;top:302.5px;">211 </div><div id="a14455" style="position:absolute;font-weight:bold;left:733.56px;top:302.5px;">390 </div><div id="a14457" style="position:absolute;left:19.2px;top:318.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>Balance at end of period </div><div id="a14462" style="position:absolute;font-weight:bold;left:369.173px;top:318.5px;">$ </div><div id="a14464" style="position:absolute;font-weight:bold;left:406.8px;top:318.5px;">30,408 </div><div id="a14467" style="position:absolute;font-weight:bold;left:446.267px;top:318.5px;">$ </div><div id="a14469" style="position:absolute;font-weight:bold;left:484.96px;top:318.5px;">47,450 </div><div id="a14472" style="position:absolute;font-weight:bold;left:524.44px;top:318.5px;">$ </div><div id="a14474" style="position:absolute;font-weight:bold;left:577.507px;top:318.5px;">108 </div><div id="a14477" style="position:absolute;font-weight:bold;left:602.333px;top:318.5px;">$ </div><div id="a14479" style="position:absolute;font-weight:bold;left:655.667px;top:318.5px;">938 </div><div id="a14482" style="position:absolute;font-weight:bold;left:680.467px;top:318.5px;">$ </div><div id="a14484" style="position:absolute;font-weight:bold;left:718.893px;top:318.5px;">78,904 </div><div id="a14503" style="position:absolute;font-weight:bold;left:19.2px;top:351.3px;">Allowance for credit losses summary: </div><div id="a14522" style="position:absolute;left:19.2px;top:366.5px;"><div style="display:inline-block;width:5.87px">&#160;</div>Balance at beginning of period </div><div id="a14527" style="position:absolute;font-weight:bold;left:369.173px;top:366.5px;">$ </div><div id="a14529" style="position:absolute;font-weight:bold;left:406.8px;top:366.5px;">50,892 </div><div id="a14532" style="position:absolute;font-weight:bold;left:446.267px;top:366.5px;">$ </div><div id="a14534" style="position:absolute;font-weight:bold;left:484.96px;top:366.5px;">91,925 </div><div id="a14537" style="position:absolute;font-weight:bold;left:524.44px;top:366.5px;">$ </div><div id="a14539" style="position:absolute;font-weight:bold;left:562.84px;top:366.5px;">32,123 </div><div id="a14542" style="position:absolute;font-weight:bold;left:602.333px;top:366.5px;">$ </div><div id="a14544" style="position:absolute;font-weight:bold;left:641px;top:366.5px;">57,761 </div><div id="a14547" style="position:absolute;font-weight:bold;left:680.467px;top:366.5px;">$ </div><div id="a14549" style="position:absolute;font-weight:bold;left:712.773px;top:366.5px;">232,701 </div><div id="a14551" style="position:absolute;left:19.2px;top:381.5px;"><div style="display:inline-block;width:11.73px">&#160;</div>Provision (recapture) for credit losses </div><div id="a14557" style="position:absolute;font-weight:bold;left:421.467px;top:381.5px;">513 </div><div id="a14561" style="position:absolute;font-weight:bold;left:487.64px;top:381.5px;">(3,033) </div><div id="a14565" style="position:absolute;font-weight:bold;left:574.56px;top:381.5px;">(378) </div><div id="a14569" style="position:absolute;font-weight:bold;left:641px;top:381.5px;">16,080 </div><div id="a14573" style="position:absolute;font-weight:bold;left:718.893px;top:381.5px;">13,182 </div><div id="a14575" style="position:absolute;left:19.2px;top:396.4px;"><div style="display:inline-block;width:11.73px">&#160;</div>Charge-offs </div><div id="a14583" style="position:absolute;font-weight:bold;left:409.467px;top:396.4px;">(1,733) </div><div id="a14587" style="position:absolute;font-weight:bold;left:496.693px;top:396.4px;">(591) </div><div id="a14591" style="position:absolute;font-weight:bold;left:565.507px;top:396.4px;">(5,174) </div><div id="a14595" style="position:absolute;font-weight:bold;left:637.8px;top:396.4px;">(10,597) </div><div id="a14599" style="position:absolute;font-weight:bold;left:715.707px;top:396.4px;">(18,095) </div><div id="a14601" style="position:absolute;left:19.2px;top:411.3px;"><div style="display:inline-block;width:11.73px">&#160;</div>Recoveries </div><div id="a14607" style="position:absolute;font-weight:bold;left:421.467px;top:411.3px;">358 </div><div id="a14611" style="position:absolute;font-weight:bold;left:499.64px;top:411.3px;">344 </div><div id="a14615" style="position:absolute;font-weight:bold;left:577.507px;top:411.3px;">662 </div><div id="a14619" style="position:absolute;font-weight:bold;left:646.867px;top:411.3px;">6,161 </div><div id="a14623" style="position:absolute;font-weight:bold;left:724.773px;top:411.3px;">7,525 </div><div id="a14625" style="position:absolute;left:19.2px;top:427.3px;"><div style="display:inline-block;width:11.73px">&#160;</div>Balance at end of period </div><div id="a14630" style="position:absolute;font-weight:bold;left:369.173px;top:427.3px;">$ </div><div id="a14632" 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<div style="position:absolute; width:74.1px; height:12.3px; left:725.3px; top:273.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:71px; height:12.3px; left:650.3px; top:273.1px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:73.9px; height:12.3px; left:479.3px; top:273.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:456.1px; height:12.3px; left:19.2px; top:273.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:153.1px; height:12.3px; left:650.3px; top:213.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:616.2px; height:12.3px; left:19.2px; top:213.1px; background-color:#DBEEF4;">&#160;</div>
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<div id="a14722" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a14724" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a14726" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a14745" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:82.4px;">Table 8-1: Reconciliation of GAAP to Non-GAAP Measures and Calculation of Regulatory Capital </div><div id="a14754" style="position:absolute;left:19.2px;top:114.7px;">In addition to disclosing required regulatory capital measures, we also report certain non-GAAP capital measures that management uses in assessing its capital </div><div id="a14757" style="position:absolute;left:19.2px;top:127px;">adequacy. These non-GAAP measures include tangible common equity (&quot;TCE&quot;) and TCE ratio. The table below provides the details of the calculation of our </div><div id="a14762" style="position:absolute;left:19.2px;top:139.3px;">regulatory capital and non-GAAP capital measures. While our non-GAAP capital measures are widely used by investors, analysts and bank regulatory agencies to </div><div id="a14768" style="position:absolute;left:19.2px;top:151.5px;">assess the capital position of financial services companies, they may not be comparable to similarly titled measures reported by other companies. </div><div id="a14792" style="position:absolute;font-weight:bold;left:430px;top:181.4px;">2020 </div><div id="a14795" style="position:absolute;left:507.907px;top:181.4px;">2020 </div><div id="a14798" style="position:absolute;left:586.04px;top:181.4px;">2020 </div><div id="a14801" style="position:absolute;left:675.933px;top:181.4px;">2019 </div><div id="a14804" style="position:absolute;left:754.107px;top:181.4px;">2019 </div><div id="a14806" style="position:absolute;font-weight:bold;left:19.2px;top:195.5px;">(Dollars in thousands) (unaudited) </div><div id="a14810" style="position:absolute;font-weight:bold;left:434.8px;top:197.4px;">Q3 </div><div id="a14813" style="position:absolute;left:512.693px;top:197.4px;">Q2 </div><div id="a14816" style="position:absolute;left:590.867px;top:197.4px;">Q1 </div><div id="a14819" style="position:absolute;left:680.733px;top:197.4px;">Q4 </div><div id="a14822" style="position:absolute;left:758.893px;top:197.4px;">Q3 </div><div id="a14824" style="position:absolute;font-weight:bold;left:19.2px;top:213.4px;">Stockholders&apos; Equity to Non-GAAP Tangible Common Equity </div><div id="a14846" style="position:absolute;left:19.2px;top:228.4px;">Total stockholders&apos; equity </div><div id="a14850" style="position:absolute;font-weight:bold;left:404.4px;top:228.4px;">$ </div><div id="a14852" style="position:absolute;font-weight:bold;left:427.867px;top:228.4px;">1,064,322 </div><div id="a14855" style="position:absolute;left:482.293px;top:228.4px;">$ </div><div id="a14857" style="position:absolute;left:506.027px;top:228.4px;">1,041,284 </div><div id="a14860" style="position:absolute;left:560.44px;top:228.4px;">$ </div><div id="a14862" style="position:absolute;left:583.893px;top:228.4px;">1,022,594 </div><div id="a14864" style="position:absolute;font-size:8px;left:635.4px;top:231.4px;">(a) </div><div id="a14866" style="position:absolute;left:650.333px;top:228.4px;">$ </div><div id="a14868" style="position:absolute;left:674.067px;top:228.4px;">1,045,478 </div><div id="a14871" style="position:absolute;left:728.507px;top:228.4px;">$ </div><div id="a14873" style="position:absolute;left:751.96px;top:228.4px;">1,049,076 </div><div id="a14875" style="position:absolute;left:19.2px;top:243.6px;">Less:<div style="display:inline-block;width:5.71px">&#160;</div>Intangible assets </div><div id="a14880" style="position:absolute;font-weight:bold;left:433.733px;top:243.6px;">(134,719) </div><div id="a14884" style="position:absolute;left:511.893px;top:243.6px;">(137,475) </div><div id="a14888" style="position:absolute;left:589.8px;top:243.6px;">(140,243) </div><div id="a14892" style="position:absolute;left:679.933px;top:243.6px;">(143,034) </div><div id="a14896" style="position:absolute;left:763.707px;top:243.6px;">(88,560) </div><div id="a14898" style="position:absolute;left:19.2px;top:258.5px;"><div style="display:inline-block;width:32.27px">&#160;</div>Noncumulative perpetual preferred stock </div><div id="a14904" style="position:absolute;font-weight:bold;left:439.6px;top:258.5px;">(92,000) </div><div id="a14908" style="position:absolute;left:517.76px;top:258.5px;">(92,000) </div><div id="a14912" style="position:absolute;left:595.667px;top:258.5px;">(92,000) </div><div id="a14916" style="position:absolute;left:685.8px;top:258.5px;">(92,000) </div><div id="a14920" style="position:absolute;left:763.707px;top:258.5px;">(92,000) </div><div id="a14922" style="position:absolute;left:19.2px;top:273.4px;"><div style="display:inline-block;width:32.27px">&#160;</div>Noncumulative perpetual preferred stock issuance costs </div><div id="a14928" style="position:absolute;font-weight:bold;left:442.8px;top:273.4px;">10,130 </div><div id="a14932" style="position:absolute;left:520.96px;top:273.4px;">10,130 </div><div id="a14936" style="position:absolute;left:598.867px;top:273.4px;">10,130 </div><div id="a14940" style="position:absolute;left:689px;top:273.4px;">10,130 </div><div id="a14944" style="position:absolute;left:766.893px;top:273.4px;">10,130 </div><div id="a14946" style="position:absolute;left:19.2px;top:289.4px;">Tangible common equity </div><div id="a14950" style="position:absolute;font-weight:bold;left:404.4px;top:289.4px;">$ </div><div id="a14952" style="position:absolute;font-weight:bold;left:436.667px;top:289.4px;">847,733 </div><div id="a14955" style="position:absolute;left:482.293px;top:289.4px;">$ </div><div id="a14957" style="position:absolute;left:514.84px;top:289.4px;">821,939 </div><div id="a14960" style="position:absolute;left:560.44px;top:289.4px;">$ </div><div id="a14962" style="position:absolute;left:592.733px;top:289.4px;">800,481 </div><div id="a14965" style="position:absolute;left:650.333px;top:289.4px;">$ </div><div id="a14967" style="position:absolute;left:682.867px;top:289.4px;">820,574 </div><div id="a14970" style="position:absolute;left:728.507px;top:289.4px;">$ </div><div id="a14972" style="position:absolute;left:760.773px;top:289.4px;">878,646 </div><div id="a14991" style="position:absolute;left:19.2px;top:320.4px;">Common stock outstanding at end of period </div><div id="a14997" style="position:absolute;font-weight:bold;left:442.8px;top:320.4px;">51,345 </div><div id="a15001" style="position:absolute;left:520.96px;top:320.4px;">51,342 </div><div id="a15005" style="position:absolute;left:598.867px;top:320.4px;">51,327 </div><div id="a15009" style="position:absolute;left:689px;top:320.4px;">51,399 </div><div id="a15013" style="position:absolute;left:766.893px;top:320.4px;">51,347 </div><div id="a15015" style="position:absolute;left:19.2px;top:336.4px;">Tangible book value (Non-GAAP) </div><div id="a15021" style="position:absolute;font-weight:bold;left:404.4px;top:336.4px;">$ </div><div id="a15023" style="position:absolute;font-weight:bold;left:448.667px;top:336.4px;">16.51 </div><div id="a15026" style="position:absolute;left:482.293px;top:336.4px;">$ </div><div id="a15028" style="position:absolute;left:526.84px;top:336.4px;">16.01 </div><div id="a15031" style="position:absolute;left:560.44px;top:336.4px;">$ </div><div id="a15033" style="position:absolute;left:604.733px;top:336.4px;">15.60 </div><div id="a15036" style="position:absolute;left:650.333px;top:336.4px;">$ </div><div id="a15038" style="position:absolute;left:694.893px;top:336.4px;">15.96 </div><div id="a15041" style="position:absolute;left:728.507px;top:336.4px;">$ </div><div id="a15043" style="position:absolute;left:772.773px;top:336.4px;">17.11 </div><div id="a15045" style="position:absolute;font-weight:bold;left:19.2px;top:353.5px;">Total Assets to Tangible Assets </div><div id="a15063" style="position:absolute;left:19.2px;top:368.4px;">Total assets<div style="display:inline-block;width:10.11px">&#160;</div></div><div id="a15067" style="position:absolute;font-weight:bold;left:404.4px;top:368.4px;">$ </div><div id="a15069" style="position:absolute;font-weight:bold;left:422px;top:368.4px;">10,016,323 </div><div id="a15072" style="position:absolute;left:482.293px;top:368.4px;">$ </div><div id="a15074" style="position:absolute;left:506.027px;top:368.4px;">9,932,719 </div><div id="a15077" style="position:absolute;left:560.44px;top:368.4px;">$ </div><div id="a15079" style="position:absolute;left:583.893px;top:368.4px;">9,238,571 </div><div id="a15082" style="position:absolute;left:650.333px;top:368.4px;">$ </div><div id="a15084" style="position:absolute;left:674.067px;top:368.4px;">9,297,661 </div><div id="a15087" style="position:absolute;left:728.507px;top:368.4px;">$ </div><div id="a15089" style="position:absolute;left:751.96px;top:368.4px;">6,333,505 </div><div id="a15091" style="position:absolute;left:19.2px;top:383.6px;">Less:<div style="display:inline-block;width:5.71px">&#160;</div>Intangible assets </div><div id="a15096" style="position:absolute;font-weight:bold;left:433.733px;top:383.6px;">(134,719) </div><div id="a15100" style="position:absolute;left:511.893px;top:383.6px;">(137,475) </div><div id="a15104" style="position:absolute;left:589.8px;top:383.6px;">(140,243) </div><div id="a15108" style="position:absolute;left:679.933px;top:383.6px;">(143,034) </div><div id="a15112" style="position:absolute;left:763.707px;top:383.6px;">(88,560) </div><div id="a15114" style="position:absolute;left:19.2px;top:399.6px;">Tangible assets (Non-GAAP) </div><div id="a15120" style="position:absolute;font-weight:bold;left:404.4px;top:399.6px;">$ </div><div id="a15122" style="position:absolute;font-weight:bold;left:427.867px;top:399.6px;">9,881,604 </div><div id="a15125" style="position:absolute;left:482.293px;top:399.6px;">$ </div><div id="a15127" style="position:absolute;left:506.027px;top:399.6px;">9,795,244 </div><div id="a15130" style="position:absolute;left:560.44px;top:399.6px;">$ </div><div id="a15132" style="position:absolute;left:583.893px;top:399.6px;">9,098,328 </div><div id="a15135" style="position:absolute;left:650.333px;top:399.6px;">$ </div><div id="a15137" style="position:absolute;left:674.067px;top:399.6px;">9,154,627 </div><div id="a15140" style="position:absolute;left:728.507px;top:399.6px;">$ </div><div id="a15142" style="position:absolute;left:751.96px;top:399.6px;">6,244,945 </div><div id="a15144" style="position:absolute;font-weight:bold;left:19.2px;top:416.4px;">Non-GAAP TCE Ratio </div><div id="a15164" style="position:absolute;left:19.2px;top:431.6px;">Tangible common equity </div><div id="a15168" style="position:absolute;font-weight:bold;left:404.4px;top:431.6px;">$ </div><div id="a15170" style="position:absolute;font-weight:bold;left:436.667px;top:431.6px;">847,733 </div><div id="a15173" style="position:absolute;left:482.293px;top:431.6px;">$ </div><div id="a15175" style="position:absolute;left:514.84px;top:431.6px;">821,939 </div><div id="a15178" style="position:absolute;left:560.44px;top:431.6px;">$ </div><div id="a15180" style="position:absolute;left:592.733px;top:431.6px;">800,481 </div><div id="a15183" style="position:absolute;left:650.333px;top:431.6px;">$ </div><div id="a15185" style="position:absolute;left:682.867px;top:431.6px;">820,574 </div><div id="a15188" style="position:absolute;left:728.507px;top:431.6px;">$ </div><div id="a15190" style="position:absolute;left:760.773px;top:431.6px;">878,646 </div><div id="a15192" style="position:absolute;left:19.2px;top:446.5px;">Tangible assets </div><div id="a15197" style="position:absolute;font-weight:bold;left:427.867px;top:446.5px;">9,881,604 </div><div id="a15201" style="position:absolute;left:506.027px;top:446.5px;">9,795,244 </div><div id="a15205" style="position:absolute;left:583.893px;top:446.5px;">9,098,328 </div><div id="a15209" style="position:absolute;left:674.067px;top:446.5px;">9,154,627 </div><div id="a15213" style="position:absolute;left:751.96px;top:446.5px;">6,244,945 </div><div id="a15215" style="position:absolute;left:19.2px;top:462.5px;">TCE ratio </div><div id="a15220" style="position:absolute;font-weight:bold;left:449.2px;top:462.5px;">8.58% </div><div id="a15224" style="position:absolute;left:527.373px;top:462.5px;">8.39% </div><div id="a15228" style="position:absolute;left:605.267px;top:462.5px;">8.80% </div><div id="a15232" style="position:absolute;left:695.44px;top:462.5px;">8.96% </div><div id="a15236" style="position:absolute;left:767.173px;top:462.5px;">14.07% </div><div id="a15238" style="position:absolute;font-weight:bold;left:19.2px;top:478.5px;">Average Equity to Non-GAAP Average Tangible Common<div style="display:inline-block;width:4.33px">&#160;</div>Equity </div><div id="a15258" style="position:absolute;left:19.2px;top:493.5px;">Average total stockholders&apos; equity </div><div id="a15262" style="position:absolute;font-weight:bold;left:404.4px;top:493.5px;">$ </div><div id="a15264" style="position:absolute;font-weight:bold;left:427.867px;top:493.5px;">1,062,460 </div><div id="a15267" style="position:absolute;left:482.293px;top:493.5px;">$ </div><div id="a15269" style="position:absolute;left:506.027px;top:493.5px;">1,037,195 </div><div id="a15272" style="position:absolute;left:560.44px;top:493.5px;">$ </div><div id="a15274" style="position:absolute;left:583.893px;top:493.5px;">1,043,481 </div><div id="a15277" style="position:absolute;left:650.333px;top:493.5px;">$ </div><div id="a15279" style="position:absolute;left:674.067px;top:493.5px;">1,062,720 </div><div id="a15282" style="position:absolute;left:728.507px;top:493.5px;">$ </div><div id="a15284" style="position:absolute;left:751.96px;top:493.5px;">1,061,541 </div><div id="a15286" style="position:absolute;left:19.2px;top:508.4px;">Less:<div style="display:inline-block;width:5.71px">&#160;</div>Average noncumulative perpetual preferred stock </div><div id="a15291" style="position:absolute;font-weight:bold;left:439.6px;top:508.4px;">(92,000) </div><div id="a15295" style="position:absolute;left:517.76px;top:508.4px;">(92,000) </div><div id="a15299" style="position:absolute;left:595.667px;top:508.4px;">(92,000) </div><div id="a15303" style="position:absolute;left:685.8px;top:508.4px;">(92,000) </div><div id="a15307" style="position:absolute;left:763.707px;top:508.4px;">(92,000) </div><div id="a15309" style="position:absolute;left:19.2px;top:523.6px;"><div style="display:inline-block;width:32.27px">&#160;</div>Average noncumulative perpetual preferred stock issuance costs </div><div id="a15315" style="position:absolute;font-weight:bold;left:442.8px;top:523.6px;">10,130 </div><div id="a15319" style="position:absolute;left:520.96px;top:523.6px;">10,130 </div><div id="a15323" style="position:absolute;left:598.867px;top:523.6px;">10,130 </div><div id="a15327" style="position:absolute;left:689px;top:523.6px;">10,130 </div><div id="a15331" style="position:absolute;left:766.893px;top:523.6px;">10,130 </div><div id="a15333" style="position:absolute;left:19.2px;top:538.6px;">Average total common stockholders&apos; equity </div><div id="a15337" style="position:absolute;font-weight:bold;left:404.4px;top:538.6px;">$ </div><div id="a15339" style="position:absolute;font-weight:bold;left:436.667px;top:538.6px;">980,590 </div><div id="a15342" style="position:absolute;left:482.293px;top:538.6px;">$ </div><div id="a15344" style="position:absolute;left:514.84px;top:538.6px;">955,325 </div><div id="a15347" style="position:absolute;left:560.44px;top:538.6px;">$ </div><div id="a15349" style="position:absolute;left:592.733px;top:538.6px;">961,611 </div><div id="a15352" style="position:absolute;left:650.333px;top:538.6px;">$ </div><div id="a15354" style="position:absolute;left:682.867px;top:538.6px;">980,850 </div><div id="a15357" style="position:absolute;left:728.507px;top:538.6px;">$ </div><div id="a15359" style="position:absolute;left:760.773px;top:538.6px;">979,671 </div><div id="a15361" style="position:absolute;left:19.2px;top:553.5px;">Less:<div style="display:inline-block;width:5.71px">&#160;</div>Average intangible assets </div><div id="a15366" style="position:absolute;font-weight:bold;left:433.733px;top:553.5px;">(136,138) </div><div id="a15370" style="position:absolute;left:511.893px;top:553.5px;">(139,094) </div><div id="a15374" style="position:absolute;left:589.8px;top:553.5px;">(141,875) </div><div id="a15378" style="position:absolute;left:685.8px;top:553.5px;">(89,005) </div><div id="a15382" style="position:absolute;left:763.707px;top:553.5px;">(88,701) </div><div id="a15384" style="position:absolute;left:19.2px;top:569.5px;">Average tangible common equity </div><div id="a15388" style="position:absolute;font-weight:bold;left:404.4px;top:569.5px;">$ </div><div id="a15390" style="position:absolute;font-weight:bold;left:436.667px;top:569.5px;">844,452 </div><div id="a15393" style="position:absolute;left:482.293px;top:569.5px;">$ </div><div id="a15395" style="position:absolute;left:514.84px;top:569.5px;">816,231 </div><div id="a15398" style="position:absolute;left:560.44px;top:569.5px;">$ </div><div id="a15400" style="position:absolute;left:592.733px;top:569.5px;">819,736 </div><div id="a15403" style="position:absolute;left:650.333px;top:569.5px;">$ </div><div id="a15405" style="position:absolute;left:682.867px;top:569.5px;">891,845 </div><div id="a15408" style="position:absolute;left:728.507px;top:569.5px;">$ </div><div id="a15410" style="position:absolute;left:760.773px;top:569.5px;">890,970 </div><div id="a15429" style="position:absolute;font-size:9.333px;left:19.2px;top:597.7px;">(a) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective approach. As a </div><div id="a15432" style="position:absolute;font-size:9.333px;left:19.2px;top:608.3px;">result, a $39.2 million allowance for credit losses was recorded for Non-PCD loans and $0.2 million for unused commitments with the corresponding adjustment reducing retained earnings, </div><div id="a15436" style="position:absolute;font-size:9.333px;left:19.2px;top:619.3px;">net of a $13.9 million deferred tax effect. For PCD loans, including BBVA and Eurobank acquired book plus the recently acquired Scotiabank, the adjustment amounting to $50.5 million was </div><div id="a15439" style="position:absolute;font-size:9.333px;left:19.2px;top:630px;">made through the allowance and loan balances with no impact in capital.<div style="display:inline-block;width:2.87px">&#160;</div></div><div id="a15458" style="position:absolute;left:405.467px;top:658.6px;">13 </div></div>
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style="position:absolute;font-weight:bold;left:467.333px;top:149.9px;">2020 </div><div id="a15507" style="position:absolute;left:538.56px;top:149.9px;">2020 </div><div id="a15510" style="position:absolute;left:609.533px;top:149.9px;">2020 </div><div id="a15513" style="position:absolute;left:689.533px;top:149.9px;">2019 </div><div id="a15516" style="position:absolute;left:760.507px;top:149.9px;">2019 </div><div id="a15518" style="position:absolute;font-weight:bold;left:19.2px;top:163px;">(Dollars in thousands) (unaudited) </div><div id="a15522" style="position:absolute;font-weight:bold;left:472.133px;top:164.1px;">Q3 </div><div id="a15525" style="position:absolute;left:543.36px;top:164.1px;">Q2 </div><div id="a15528" style="position:absolute;left:614.333px;top:164.1px;">Q1 </div><div id="a15531" style="position:absolute;left:694.36px;top:164.1px;">Q4 </div><div id="a15534" style="position:absolute;left:765.307px;top:164.1px;">Q3 </div><div id="a15536" style="position:absolute;font-weight:bold;left:19.2px;top:177.9px;">Regulatory Capital Metrics </div><div id="a15554" style="position:absolute;left:19.2px;top:192.1px;">Common equity Tier 1 capital </div><div id="a15558" style="position:absolute;font-weight:bold;left:445.2px;top:192.1px;">$ </div><div id="a15560" style="position:absolute;font-weight:bold;left:470.533px;top:192.1px;">862,636 </div><div id="a15563" style="position:absolute;left:516.427px;top:192.1px;">$ </div><div id="a15565" style="position:absolute;left:541.76px;top:192.1px;">836,899 </div><div id="a15568" style="position:absolute;left:587.4px;top:192.1px;">$ </div><div id="a15570" style="position:absolute;left:612.733px;top:192.1px;">816,356 </div><div id="a15573" style="position:absolute;left:667.4px;top:192.1px;">$ </div><div id="a15575" style="position:absolute;left:692.733px;top:192.1px;">735,442 </div><div id="a15578" style="position:absolute;left:738.373px;top:192.1px;">$ </div><div id="a15580" style="position:absolute;left:763.707px;top:192.1px;">858,092 </div><div id="a15582" style="position:absolute;left:19.2px;top:206px;">Tier 1 capital </div><div id="a15587" style="position:absolute;font-weight:bold;left:470.533px;top:206px;">979,506 </div><div id="a15591" style="position:absolute;left:541.76px;top:206px;">953,769 </div><div id="a15595" style="position:absolute;left:612.733px;top:206px;">933,226 </div><div id="a15599" style="position:absolute;left:692.733px;top:206px;">852,312 </div><div id="a15603" style="position:absolute;left:763.707px;top:206px;">974,962 </div><div id="a15605" style="position:absolute;left:19.2px;top:220.1px;">Total risk-based capital </div><div id="a15609" style="position:absolute;font-size:8px;left:427.6px;top:218px;">(15) </div><div id="a15613" style="position:absolute;font-weight:bold;left:461.733px;top:220.1px;">1,065,711 </div><div id="a15617" style="position:absolute;left:532.96px;top:220.1px;">1,040,987 </div><div id="a15621" style="position:absolute;left:603.933px;top:220.1px;">1,020,748 </div><div id="a15625" style="position:absolute;left:692.733px;top:220.1px;">937,963 </div><div id="a15629" style="position:absolute;left:754.893px;top:220.1px;">1,035,910 </div><div id="a15631" style="position:absolute;left:19.2px;top:234px;">Risk-weighted assets </div><div id="a15638" style="position:absolute;font-weight:bold;left:461.733px;top:234px;">6,873,472 </div><div id="a15642" style="position:absolute;left:532.96px;top:234px;">6,957,906 </div><div id="a15646" style="position:absolute;left:603.933px;top:234px;">6,983,626 </div><div id="a15648" style="position:absolute;font-size:8px;left:655.4px;top:237px;">(a) </div><div id="a15651" style="position:absolute;left:683.933px;top:234px;">6,740,846 </div><div id="a15655" style="position:absolute;left:754.893px;top:234px;">4,771,165 </div><div id="a15657" style="position:absolute;font-weight:bold;left:19.2px;top:248.1px;">Regulatory Capital Ratios </div><div id="a15675" style="position:absolute;left:19.2px;top:262px;">Common equity Tier 1 capital ratio </div><div id="a15677" style="position:absolute;font-size:8px;left:427.6px;top:261.5px;">(16) </div><div id="a15681" style="position:absolute;font-weight:bold;left:476.933px;top:262px;">12.55% </div><div id="a15685" style="position:absolute;left:548.173px;top:262px;">12.03% </div><div id="a15689" style="position:absolute;left:619.133px;top:262px;">11.69% </div><div id="a15693" style="position:absolute;left:699.173px;top:262px;">10.91% </div><div id="a15697" style="position:absolute;left:770.107px;top:262px;">17.98% </div><div id="a15699" style="position:absolute;left:19.2px;top:276.1px;">Tier 1 risk-based capital ratio </div><div id="a15703" style="position:absolute;font-size:8px;left:427.6px;top:274px;">(17) </div><div id="a15707" style="position:absolute;font-weight:bold;left:476.933px;top:276.1px;">14.25% </div><div id="a15711" style="position:absolute;left:548.173px;top:276.1px;">13.71% </div><div id="a15715" style="position:absolute;left:619.133px;top:276.1px;">13.36% </div><div id="a15719" style="position:absolute;left:699.173px;top:276.1px;">12.64% </div><div id="a15723" style="position:absolute;left:770.107px;top:276.1px;">20.43% </div><div id="a15725" style="position:absolute;left:19.2px;top:290px;">Total risk-based capital ratio </div><div id="a15729" style="position:absolute;font-size:8px;left:427.6px;top:288.2px;">(18) </div><div id="a15733" style="position:absolute;font-weight:bold;left:476.933px;top:290px;">15.50% </div><div id="a15737" style="position:absolute;left:548.173px;top:290px;">14.96% </div><div id="a15741" style="position:absolute;left:619.133px;top:290px;">14.62% </div><div id="a15745" style="position:absolute;left:699.173px;top:290px;">13.91% </div><div id="a15749" style="position:absolute;left:770.107px;top:290px;">21.71% </div><div id="a15751" style="position:absolute;left:19.2px;top:304.1px;">Leverage ratio </div><div id="a15753" style="position:absolute;font-size:8px;left:427.6px;top:302px;">(19) </div><div id="a15757" style="position:absolute;font-weight:bold;left:476.933px;top:304.1px;">10.00% </div><div id="a15761" style="position:absolute;left:548.173px;top:304.1px;">10.16% </div><div id="a15765" style="position:absolute;left:619.133px;top:304.1px;">10.14% </div><div id="a15769" style="position:absolute;left:705.307px;top:304.1px;">9.24% </div><div id="a15773" style="position:absolute;left:770.107px;top:304.1px;">15.41% </div><div id="a15792" style="position:absolute;font-weight:bold;left:19.2px;top:332.1px;">Common Equity Tier 1 Capital Ratio Under Basel III Standardized Approach </div><div id="a15810" style="position:absolute;left:19.2px;top:346px;">Total stockholders&apos; equity </div><div id="a15812" style="position:absolute;font-size:8px;left:429.733px;top:349px;">(1) </div><div id="a15815" style="position:absolute;font-weight:bold;left:445.2px;top:346px;">$ </div><div id="a15817" style="position:absolute;font-weight:bold;left:461.733px;top:346px;">1,064,322 </div><div id="a15820" style="position:absolute;left:516.427px;top:346px;">$ </div><div id="a15822" style="position:absolute;left:532.96px;top:346px;">1,041,284 </div><div id="a15825" style="position:absolute;left:587.4px;top:346px;">$ </div><div id="a15827" style="position:absolute;left:603.933px;top:346px;">1,022,594 </div><div id="a15830" style="position:absolute;left:667.4px;top:346px;">$ </div><div id="a15832" style="position:absolute;left:683.933px;top:346px;">1,045,478 </div><div id="a15835" style="position:absolute;left:738.373px;top:346px;">$ </div><div id="a15837" style="position:absolute;left:754.893px;top:346px;">1,049,076 </div><div id="a15839" style="position:absolute;left:19.2px;top:360.1px;">CECL transition adjustment </div><div id="a15841" style="position:absolute;font-size:8px;left:427.6px;top:362.9px;">(20) </div><div id="a15845" style="position:absolute;font-weight:bold;left:476.667px;top:360.1px;">33,494 </div><div id="a15849" style="position:absolute;left:547.893px;top:360.1px;">32,269 </div><div id="a15853" style="position:absolute;left:618.867px;top:360.1px;">31,882 </div><div id="a15857" style="position:absolute;left:727.96px;top:360.1px;">- </div><div id="a15861" style="position:absolute;left:798.893px;top:360.1px;">- </div><div id="a15863" style="position:absolute;left:19.2px;top:374px;">Less:<div style="display:inline-block;width:5.71px">&#160;</div>Noncumulative perpetual preferred stock </div><div id="a15868" style="position:absolute;font-weight:bold;left:473.467px;top:374px;">(92,000) </div><div id="a15872" style="position:absolute;left:544.693px;top:374px;">(92,000) </div><div id="a15876" style="position:absolute;left:615.667px;top:374px;">(92,000) </div><div id="a15880" style="position:absolute;left:695.693px;top:374px;">(92,000) </div><div id="a15884" style="position:absolute;left:766.64px;top:374px;">(92,000) </div><div id="a15886" style="position:absolute;left:19.2px;top:388.1px;"><div style="display:inline-block;width:29.33px">&#160;</div>Noncumulative perpetual preferred stock issuance costs </div><div id="a15892" style="position:absolute;font-weight:bold;left:476.667px;top:388.1px;">10,130 </div><div id="a15896" style="position:absolute;left:547.893px;top:388.1px;">10,130 </div><div id="a15900" style="position:absolute;left:618.867px;top:388.1px;">10,130 </div><div id="a15904" style="position:absolute;left:698.893px;top:388.1px;">10,130 </div><div id="a15908" style="position:absolute;left:769.84px;top:388.1px;">10,130 </div><div id="a15910" style="position:absolute;left:19.2px;top:402px;"><div style="display:inline-block;width:29.33px">&#160;</div>Unrealized gains on available-for-sale securities, net of income tax </div><div id="a15920" style="position:absolute;font-weight:bold;left:479.333px;top:402px;">(9,453) </div><div id="a15924" style="position:absolute;left:550.56px;top:402px;">(8,885) </div><div id="a15928" style="position:absolute;left:621.533px;top:402px;">(7,576) </div><div id="a15932" style="position:absolute;left:713.56px;top:402px;">441 </div><div id="a15936" style="position:absolute;left:775.707px;top:402px;">1,742 </div><div id="a15938" style="position:absolute;left:19.2px;top:416.1px;"><div style="display:inline-block;width:29.33px">&#160;</div>Unrealized losses on cash flow hedges, net of income tax </div><div id="a15945" style="position:absolute;font-weight:bold;left:482.573px;top:416.1px;">1,185 </div><div id="a15949" style="position:absolute;left:553.76px;top:416.1px;">1,297 </div><div id="a15953" style="position:absolute;left:624.733px;top:416.1px;">1,286 </div><div id="a15957" style="position:absolute;left:713.56px;top:416.1px;">567 </div><div id="a15961" style="position:absolute;left:784.507px;top:416.1px;">716 </div><div id="a15967" style="position:absolute;font-weight:bold;left:461.733px;top:430px;">1,007,678 </div><div id="a15971" style="position:absolute;left:541.76px;top:430px;">984,095 </div><div id="a15975" style="position:absolute;left:612.733px;top:430px;">966,316 </div><div id="a15979" style="position:absolute;left:692.733px;top:430px;">964,616 </div><div id="a15983" style="position:absolute;left:763.707px;top:430px;">969,664 </div><div id="a15985" style="position:absolute;left:19.2px;top:444.1px;">Less:<div style="display:inline-block;width:11.57px">&#160;</div>Disallowed goodwill </div><div id="a15990" style="position:absolute;font-weight:bold;left:473.467px;top:444.1px;">(86,069) </div><div id="a15994" style="position:absolute;left:544.693px;top:444.1px;">(86,069) </div><div id="a15998" style="position:absolute;left:615.667px;top:444.1px;">(86,069) </div><div id="a16002" style="position:absolute;left:695.693px;top:444.1px;">(86,069) </div><div id="a16006" style="position:absolute;left:766.64px;top:444.1px;">(86,069) </div><div id="a16008" style="position:absolute;left:19.2px;top:458px;"><div style="display:inline-block;width:35.23px">&#160;</div>Disallowed other intangible assets, net </div><div id="a16014" style="position:absolute;font-weight:bold;left:473.467px;top:458px;">(33,810) </div><div id="a16018" style="position:absolute;left:544.693px;top:458px;">(35,563) </div><div id="a16022" style="position:absolute;left:615.667px;top:458px;">(37,241) </div><div id="a16026" style="position:absolute;left:695.693px;top:458px;">(39,127) </div><div id="a16030" style="position:absolute;left:772.507px;top:458px;">(1,557) </div><div id="a16032" style="position:absolute;left:19.2px;top:472.1px;"><div style="display:inline-block;width:35.23px">&#160;</div>Disallowed deferred tax assets, net </div><div id="a16038" style="position:absolute;font-weight:bold;left:473.467px;top:472.1px;">(25,163) </div><div id="a16042" style="position:absolute;left:544.693px;top:472.1px;">(25,564) </div><div id="a16046" style="position:absolute;left:615.667px;top:472.1px;">(26,650) </div><div id="a16048" style="position:absolute;font-size:8px;left:655.4px;top:474.9px;">(a) </div><div id="a16051" style="position:absolute;left:695.693px;top:472.1px;">(95,879) </div><div id="a16055" style="position:absolute;left:766.64px;top:472.1px;">(23,946) </div><div id="a16057" style="position:absolute;left:19.2px;top:486px;"><div style="display:inline-block;width:35.5px">&#160;</div>Threshold 15% </div><div id="a16063" style="position:absolute;font-weight:bold;left:505.76px;top:486px;">- </div><div id="a16067" style="position:absolute;left:576.973px;top:486px;">- </div><div id="a16071" style="position:absolute;left:647.933px;top:486px;">- </div><div id="a16073" style="position:absolute;font-size:8px;left:655.4px;top:489px;">(a) </div><div id="a16076" style="position:absolute;left:701.56px;top:486px;">(8,099) </div><div id="a16080" 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style="position:absolute;left:618.867px;top:514px;">92,000 </div><div id="a16122" style="position:absolute;left:698.893px;top:514px;">92,000 </div><div id="a16126" style="position:absolute;left:769.84px;top:514px;">92,000 </div><div id="a16128" style="position:absolute;left:19.2px;top:528.2px;"><div style="display:inline-block;width:35.23px">&#160;</div>Qualifying noncumulative perpetual preferred stock issuance costs </div><div id="a16134" style="position:absolute;font-weight:bold;left:473.467px;top:528.2px;">(10,130) </div><div id="a16138" style="position:absolute;left:544.693px;top:528.2px;">(10,130) </div><div id="a16142" style="position:absolute;left:615.667px;top:528.2px;">(10,130) </div><div id="a16146" style="position:absolute;left:695.693px;top:528.2px;">(10,130) </div><div id="a16150" style="position:absolute;left:766.64px;top:528.2px;">(10,130) </div><div id="a16152" style="position:absolute;left:19.2px;top:542px;"><div 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id="a16233" style="position:absolute;left:516.427px;top:584.2px;">$ </div><div id="a16235" style="position:absolute;left:532.96px;top:584.2px;">1,040,987 </div><div id="a16238" style="position:absolute;left:587.4px;top:584.2px;">$ </div><div id="a16240" style="position:absolute;left:603.933px;top:584.2px;">1,020,748 </div><div id="a16243" style="position:absolute;left:667.4px;top:584.2px;">$ </div><div id="a16245" style="position:absolute;left:692.733px;top:584.2px;">937,963 </div><div id="a16248" style="position:absolute;left:738.373px;top:584.2px;">$ </div><div id="a16250" style="position:absolute;left:754.893px;top:584.2px;">1,035,910 </div><div id="a16269" style="position:absolute;font-size:9.333px;left:19.2px;top:610.2px;">(a) During 1Q 2020, the Company decided to early implement Simplifications to the Capital Rule, which simplified the regulatory capital treatment for mortgage servicing assets (MSA) and </div><div id="a16271" 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<div id="a16299" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a16301" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a16303" style="position:absolute;font-weight:bold;left:19.2px;top:66.5px;">OFG Bancorp (NYSE: OFG) </div><div id="a16305" style="position:absolute;font-weight:bold;left:19.2px;top:81.4px;">Table 8-3: Reconciliation of GAAP to Non-GAAP with adjustments to exclude the impact of significant events. </div><div id="a16311" style="position:absolute;font-size:9.333px;left:19.2px;top:93.6px;">The Company prepared its Consolidated Financial Statement using accounting principles generally accepted in the U.S. (&#8220;U.S. GAAP&#8221; or the &#8220;reported basis&#8221;). 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style="position:absolute;font-weight:bold;left:681.533px;top:209.2px;">Effect </div><div id="a16426" style="position:absolute;font-weight:bold;left:733.56px;top:209.2px;">Net Income </div><div id="a16458" style="position:absolute;font-weight:bold;left:19.2px;top:240.4px;"><div style="display:inline-block;width:2.93px">&#160;</div>U.S. GAAP net income<div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a16468" style="position:absolute;font-weight:bold;left:344.36px;top:240.4px;">$ </div><div id="a16470" style="position:absolute;font-weight:bold;left:369.693px;top:240.4px;">27,438 </div><div id="a16479" style="position:absolute;font-weight:bold;left:538.307px;top:240.4px;">$ </div><div id="a16481" style="position:absolute;font-weight:bold;left:563.64px;top:240.4px;">21,787 </div><div id="a16490" style="position:absolute;font-weight:bold;left:731.44px;top:240.4px;">$ </div><div id="a16492" style="position:absolute;font-weight:bold;left:762.627px;top:240.4px;">1,801 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style="position:absolute;left:462px;top:285.4px;">- </div><div id="a16558" style="position:absolute;left:473.2px;top:285.4px;">$ </div><div id="a16560" style="position:absolute;left:527.893px;top:285.4px;">- </div><div id="a16564" style="position:absolute;left:592.733px;top:285.4px;">- </div><div id="a16567" style="position:absolute;left:614.333px;top:285.4px;">$ </div><div id="a16569" style="position:absolute;left:627.667px;top:285.4px;">(4,728) </div><div id="a16572" style="position:absolute;left:665.267px;top:285.4px;">$ </div><div id="a16574" style="position:absolute;left:696.773px;top:285.4px;">1,324 </div><div id="a16578" style="position:absolute;left:759.44px;top:285.4px;">(3,404) </div><div id="a16580" style="position:absolute;font-size:8px;left:793.293px;top:288.4px;"><div style="display:inline-block;width:2.15px">&#160;</div>(a)<div style="display:inline-block;width:2.25px">&#160;</div></div><div id="a16583" style="position:absolute;left:19.2px;top:300.4px;"><div 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style="position:absolute;left:771.44px;top:300.4px;">190 </div><div id="a16624" style="position:absolute;font-size:8px;left:793.293px;top:303.4px;">(b) </div><div id="a16626" style="position:absolute;left:19.2px;top:318.2px;"><div style="display:inline-block;width:14.67px">&#160;</div>Bargain purchase from Scotiabank PR &amp; </div><div id="a16629" style="position:absolute;left:19.2px;top:330.5px;">USVI<div style="display:inline-block;width:2.84px">&#160;</div></div><div id="a16633" style="position:absolute;left:243.533px;top:330.5px;">(3,465) </div><div id="a16637" style="position:absolute;left:333.693px;top:330.5px;">- </div><div id="a16641" style="position:absolute;left:372.36px;top:330.5px;">(3,465) </div><div id="a16643" style="position:absolute;font-size:8px;font-weight:bold;left:407.6px;top:333.2px;"><div style="display:inline-block;width:2.13px">&#160;</div>(c)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a16647" style="position:absolute;left:435.6px;top:330.5px;">(3,462) </div><div id="a16651" style="position:absolute;left:527.893px;top:330.5px;">- </div><div id="a16655" style="position:absolute;left:566.293px;top:330.5px;">(3,462) </div><div id="a16657" style="position:absolute;font-size:8px;left:601.8px;top:333.2px;"><div style="display:inline-block;width:2.13px">&#160;</div>(c)<div style="display:inline-block;width:2.41px">&#160;</div></div><div id="a16661" style="position:absolute;left:636.733px;top:330.5px;">(409) </div><div id="a16665" style="position:absolute;left:719.96px;top:330.5px;">- </div><div id="a16669" style="position:absolute;left:768.507px;top:330.5px;">(409) </div><div id="a16671" style="position:absolute;font-size:8px;left:793.293px;top:333.2px;"><div style="display:inline-block;width:2.15px">&#160;</div>(c)<div style="display:inline-block;width:2.43px">&#160;</div></div><div id="a16674" style="position:absolute;left:19.2px;top:363.3px;"><div style="display:inline-block;width:11.73px">&#160;</div>Interest recoveries on PCI loans acquired </div><div id="a16676" style="position:absolute;left:19.2px;top:375.6px;">in the Scotiabank PR &amp; USVI acquisition </div><div id="a16681" style="position:absolute;left:252.6px;top:375.6px;">(469) </div><div id="a16685" style="position:absolute;left:319.307px;top:375.6px;">176 </div><div id="a16689" style="position:absolute;left:381.467px;top:375.6px;">(293) </div><div id="a16691" style="position:absolute;font-size:8px;font-weight:bold;left:408.667px;top:378.3px;">(d) </div><div id="a16694" style="position:absolute;left:435.6px;top:375.6px;">(5,982) </div><div id="a16698" style="position:absolute;left:504.707px;top:375.6px;">2,243 </div><div id="a16702" style="position:absolute;left:566.293px;top:375.6px;">(3,739) </div><div id="a16704" style="position:absolute;font-size:8px;left:602.6px;top:378.3px;">(d) </div><div id="a16707" style="position:absolute;left:654.067px;top:375.6px;">- 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style="position:absolute;left:438.8px;top:405.5px;">5,000 </div><div id="a16743" style="position:absolute;left:501.507px;top:405.5px;">(1,875) </div><div id="a16747" style="position:absolute;left:569.507px;top:405.5px;">3,125 </div><div id="a16749" style="position:absolute;font-size:8px;left:601.533px;top:408.5px;"><div style="display:inline-block;width:2.13px">&#160;</div>(e)<div style="display:inline-block;width:2.22px">&#160;</div></div><div id="a16753" style="position:absolute;left:625px;top:405.5px;">34,083 </div><div id="a16757" style="position:absolute;left:687.667px;top:405.5px;">(12,781) </div><div id="a16761" style="position:absolute;left:756.773px;top:405.5px;">21,302 </div><div id="a16763" style="position:absolute;font-size:8px;left:793.293px;top:408.5px;"><div style="display:inline-block;width:2.15px">&#160;</div>(e)<div style="display:inline-block;width:2.25px">&#160;</div></div><div id="a16766" style="position:absolute;left:19.2px;top:420.4px;"><div 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style="position:absolute;left:771.44px;top:420.4px;">105 </div><div id="a16809" style="position:absolute;font-size:8px;left:793.293px;top:423.4px;">(f) </div><div id="a16811" style="position:absolute;font-weight:bold;left:19.2px;top:436.1px;">Adjusted net income (Non-GAAP) </div><div id="a16822" style="position:absolute;font-weight:bold;left:344.36px;top:436.1px;">$ </div><div id="a16824" style="position:absolute;font-weight:bold;left:369.693px;top:436.1px;">27,178 </div><div id="a16833" style="position:absolute;font-weight:bold;left:538.307px;top:436.1px;">$ </div><div id="a16835" style="position:absolute;font-weight:bold;left:563.64px;top:436.1px;">20,845 </div><div id="a16844" style="position:absolute;font-weight:bold;left:731.44px;top:436.1px;">$ </div><div id="a16846" style="position:absolute;font-weight:bold;left:756.773px;top:436.1px;">19,585 </div><div id="a16849" style="position:absolute;left:19.2px;top:451.1px;">Less:<div 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id="a17406" style="position:absolute;left:575.373px;top:797.6px;">(942) </div><div id="a17416" style="position:absolute;left:756.773px;top:797.6px;">17,784 </div><div id="a17419" style="position:absolute;left:19.2px;top:816px;">Adjusted net income available to common </div><div id="a17420" style="position:absolute;left:19.2px;top:828.2px;">shareholders (Non-GAAP) </div><div id="a17432" style="position:absolute;left:369.693px;top:828.2px;">25,550 </div><div id="a17442" style="position:absolute;left:563.64px;top:828.2px;">19,217 </div><div id="a17452" style="position:absolute;left:756.773px;top:828.2px;">17,957 </div><div id="a17484" style="position:absolute;left:19.2px;top:858.4px;">Average tangible common equity </div><div id="a17494" style="position:absolute;left:363.56px;top:858.4px;">844,452 </div><div id="a17504" style="position:absolute;left:557.507px;top:858.4px;">816,231 </div><div id="a17514" style="position:absolute;left:750.627px;top:858.4px;">819,736 </div><div id="a17546" style="position:absolute;font-weight:bold;left:19.2px;top:892px;">Return on average tangible common </div><div id="a17547" style="position:absolute;font-weight:bold;left:19.2px;top:904.3px;">stockholders&apos; equity </div><div id="a17557" style="position:absolute;font-weight:bold;left:369.973px;top:904.3px;">12.23% </div><div id="a17567" style="position:absolute;font-weight:bold;left:570.027px;top:904.3px;">9.88% </div><div id="a17577" style="position:absolute;font-weight:bold;left:763.173px;top:904.3px;">0.08% </div><div id="a17580" style="position:absolute;font-weight:bold;left:19.2px;top:929.9px;">Adjusted return on average tangible </div><div id="a17581" style="position:absolute;font-weight:bold;left:19.2px;top:942.1px;">common stockholders&apos; equity (Non-</div><div id="a17583" style="position:absolute;font-weight:bold;left:19.2px;top:954.4px;">GAAP) </div><div id="a17593" style="position:absolute;font-weight:bold;left:369.973px;top:954.4px;">12.10% </div><div id="a17603" style="position:absolute;font-weight:bold;left:570.027px;top:954.4px;">9.42% </div><div id="a17613" style="position:absolute;font-weight:bold;left:763.173px;top:954.4px;">8.76% </div></div>
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<div style="position:absolute; width:179px; height:12.3px; left:614.3px; top:126.7px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:387.1px; height:12.3px; left:19.2px; top:126.7px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:179px; height:12.3px; left:614.3px; top:287.5px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:179.3px; height:12.3px; left:421.2px; top:287.5px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:387.1px; height:12.3px; left:19.2px; top:287.5px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:179px; height:12.3px; left:614.3px; top:81.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:179.3px; height:12.3px; left:421.2px; top:81.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:387.1px; height:12.3px; left:19.2px; top:81.1px; background-color:#DBEEF4;">&#160;</div>
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<div id="a18127" style="position:absolute;font-size:13.333px;left:19.2px;top:48.2px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a18129" style="position:absolute;font-size:13.333px;left:19.2px;top:993.3px;"><div style="display:inline-block;width:3.73px">&#160;</div></div><div id="a18131" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:65.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a18136" style="position:absolute;font-size:13.333px;font-weight:bold;left:19.2px;top:82.4px;">Table 9: Notes to Financial Summary,<div style="display:inline-block;width:5.42px">&#160;</div>Selected Metrics, Loans, and Consolidated Financial Statements (Tables<div style="display:inline-block;width:5.38px">&#160;</div>1 - 8) </div><div id="a18155" style="position:absolute;left:25.067px;top:112.6px;">(1) </div><div id="a18157" style="position:absolute;left:49.067px;top:112.6px;">We used the terms &quot;PCI&quot; and &quot;SOP&quot; to refer to loans acquired with credit deterioration from the Scotiabank acquisition (December 31, 2019), the </div><div id="a18159" style="position:absolute;left:49.067px;top:124.9px;">BBVAPR acquisition (December 18, 2012) and the Eurobank FDIC-Assisted acquisition (April 30, 2010), recorded at fair value at acquisition. On January </div><div id="a18163" style="position:absolute;left:49.067px;top:137.1px;">1, 2020, the Company implemented ASU No. 2016-13: Measurement of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective </div><div id="a18167" style="position:absolute;left:49.067px;top:149.4px;">approach. CECL replaces the concept of purchased credit impaired loans (PCI) with the concept of purchased financial assets with credit deterioration </div><div id="a18169" style="position:absolute;left:49.067px;top:161.7px;">(PCD). PCD accounting is called &#8216;gross-up accounting&#8217; because, at acquisition, an entity grosses up the amortized cost basis of the PCD asset for the </div><div id="a18173" style="position:absolute;left:49.067px;top:173.9px;">initial estimate of credit losses. This Day 1 allowance for credit losses is established without an income statement effect. The Company elected to </div><div id="a18175" style="position:absolute;left:49.067px;top:186.2px;">maintain previously existing pools on adoption, therefore the pool continues to be the unit of account, and the allowance and non-credit discount or </div><div id="a18179" style="position:absolute;left:49.067px;top:198.5px;">premium is not allocated to the individual assets. These loans are not classified as delinquent or nonperforming even though the customer may be </div><div id="a18182" style="position:absolute;left:49.067px;top:210.8px;">contractually past due because we expect that we will fully collect the carrying value of these loans. </div><div id="a18184" style="position:absolute;left:25.067px;top:223px;">(2) </div><div id="a18186" style="position:absolute;left:49.067px;top:225.7px;">Total banking and financial service revenues. </div><div id="a18188" style="position:absolute;left:25.067px;top:238px;">(3) </div><div id="a18190" style="position:absolute;left:49.067px;top:240.9px;">Calculated based on net income available to common shareholders divided by average common shares outstanding for the period. </div><div id="a18193" style="position:absolute;left:25.067px;top:253.2px;">(4) </div><div id="a18195" style="position:absolute;left:49.067px;top:253.2px;">Calculated based on net income available to common shareholders plus the preferred dividends on the convertible preferred stock, divided by total </div><div id="a18197" style="position:absolute;left:49.067px;top:265.4px;">average common shares outstanding and equivalents for the period as if converted. </div><div id="a18200" style="position:absolute;left:25.067px;top:277.7px;">(5) </div><div id="a18202" style="position:absolute;left:49.067px;top:277.7px;">Tangible book value per common share is a non-GAAP measure calculated based on tangible common equity divided by common shares outstanding. </div><div id="a18205" style="position:absolute;left:49.067px;top:290px;">See &quot;Table 9: Reconciliation of GAAP to Non-GAAP Measures and Calculation of Regulatory Capital Measures&quot; for additional information. </div><div id="a18211" style="position:absolute;left:25.067px;top:302.2px;">(6) </div><div id="a18213" style="position:absolute;left:49.067px;top:304.9px;">Information includes all loans held for investment, including PCD loans. </div><div id="a18215" style="position:absolute;left:25.067px;top:317.2px;">(7) </div><div id="a18217" style="position:absolute;left:49.067px;top:319.8px;">Calculated based on annualized net interest income for the period divided by average interest-earning assets for the period. </div><div id="a18222" style="position:absolute;left:25.067px;top:332.1px;">(8) </div><div id="a18224" style="position:absolute;left:49.067px;top:334.8px;">Calculated based on annualized income, net of tax, for the period divided by average total assets for the period. </div><div id="a18226" style="position:absolute;left:25.067px;top:347.1px;">(9) </div><div id="a18228" style="position:absolute;left:49.067px;top:350px;">Calculated based on annualized income available to common shareholders for the period divided by average tangible common equity for the period. </div><div id="a18231" style="position:absolute;left:22.133px;top:362.3px;">(10) </div><div id="a18233" style="position:absolute;left:49.067px;top:362.3px;">Calculated based on non-interest expense for the period divided by total net interest income and total banking and financial services revenues for the </div><div id="a18237" style="position:absolute;left:49.067px;top:374.5px;">period. </div><div id="a18239" style="position:absolute;left:22.133px;top:386.8px;">(11) </div><div id="a18241" style="position:absolute;left:49.067px;top:389.5px;">Calculated based on annualized net charge-offs for the period divided by average loans held for investment for the period. </div><div id="a18246" style="position:absolute;left:22.133px;top:401.7px;">(12) </div><div id="a18248" style="position:absolute;left:49.067px;top:401.7px;">Non-GAAP ratios. See &quot;Table 9: Reconciliation of GAAP to Non-GAAP Measures and Calculation of Regulatory Capital Measures&quot; for information on the </div><div id="a18253" style="position:absolute;left:49.067px;top:414px;">calculation of each of these ratios. </div><div id="a18255" style="position:absolute;left:22.133px;top:426.3px;">(13) </div><div id="a18257" style="position:absolute;left:49.067px;top:428.9px;">Production of new loans (excluding renewals). </div><div id="a18259" style="position:absolute;left:22.133px;top:441.2px;">(14) </div><div id="a18261" style="position:absolute;left:49.067px;top:441.2px;">Most PCD loans are considered to be performing due to the application of the accretion method, in which these loans will accrete interest income over the </div><div id="a18263" style="position:absolute;left:49.067px;top:453.5px;">remaining life of the loans using estimated cash flow analyses. Therefore, they are not included as non-performing loans. PCD loan pools that are not </div><div id="a18266" style="position:absolute;left:49.067px;top:465.7px;">accreting interest income are deemed to be non-performing loans and presented separately. </div><div id="a18270" style="position:absolute;left:22.133px;top:478px;">(15) </div><div id="a18272" style="position:absolute;left:49.067px;top:480.7px;">Total risk-based capital equals the sum of Tier 1<div style="display:inline-block;width:4.41px">&#160;</div>capital and Tier 2 capital. </div><div id="a18277" style="position:absolute;left:22.133px;top:493px;">(16) </div><div id="a18279" style="position:absolute;left:49.067px;top:495.9px;">Common equity Tier 1 capital ratio is a regulatory capital measure calculated based on Common equity Tier 1 capital divided by<div style="display:inline-block;width:3.8px">&#160;</div>risk-weighted assets. </div><div id="a18284" style="position:absolute;left:22.133px;top:508.2px;">(17) </div><div id="a18286" style="position:absolute;left:49.067px;top:510.8px;">Tier 1 risk-based capital ratio is a regulatory capital measure calculated based on Tier 1 capital divided by risk-weighted assets. </div><div id="a18293" style="position:absolute;left:22.133px;top:523.1px;">(18) </div><div id="a18295" style="position:absolute;left:49.067px;top:525.8px;">Total risk-based capital ratio is a regulatory capital measure calculated based on Total<div style="display:inline-block;width:5.06px">&#160;</div>risk-based capital divided by risk-weighted assets. </div><div id="a18304" style="position:absolute;left:22.133px;top:538px;">(19) </div><div id="a18306" style="position:absolute;left:49.067px;top:540.7px;">Leverage capital ratio is a regulatory capital measure calculated based on Tier 1 capital divided by average assets, after certain adjustments. </div><div id="a18309" style="position:absolute;left:22.133px;top:553px;">(20) </div><div id="a18311" style="position:absolute;left:49.067px;top:553px;">In March 2020, in light of recent strains on the U.S. economy as a result of the coronavirus disease 2019 (COVID-19), the Board of Governors of the </div><div id="a18315" style="position:absolute;left:49.067px;top:565.2px;">Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency issued an interim final rule that </div><div id="a18317" style="position:absolute;left:49.067px;top:577.5px;">provided the option to temporarily delay the effects of CECL on regulatory capital for two years, followed by a three-year transition period. In addition, for </div><div id="a18321" style="position:absolute;left:49.067px;top:589.8px;">the first two years, a uniform 25% &#8220;scaling factor&#8221; is introduced to approximate the portion of the post day-one allowance attributable to CECL relative to </div><div id="a18325" style="position:absolute;left:49.067px;top:602px;">the incurred loss methodology. The 25% scaling factor is calibrated to approximate an overall after-tax impact of differences in allowances under CECL vs </div><div id="a18328" style="position:absolute;left:49.067px;top:614.3px;">the incurred loss methodology. </div><div id="a18330" style="position:absolute;left:22.133px;top:626.6px;">(21) </div><div id="a18332" style="position:absolute;left:49.067px;top:626.6px;">CECL replaces the concept of purchased credit impaired loans (PCI assets) with the concept of purchased financial assets with credit deterioration (PCD </div><div id="a18335" style="position:absolute;left:49.067px;top:638.9px;">assets). An entity records a PCD asset at the purchase price plus the allowance for credit losses expected at the time of acquisition. Under this method, </div><div id="a18337" style="position:absolute;left:49.067px;top:651.1px;">there is no credit loss expense affecting net income on acquisition. Changes in estimates of expected credit losses after acquisition are recognized as </div><div id="a18339" style="position:absolute;left:49.067px;top:663.4px;">credit loss expense (or reversal of credit loss expense) in subsequent periods as they arise. </div><div id="a18342" style="position:absolute;left:22.133px;top:675.7px;">(22) </div><div id="a18344" style="position:absolute;left:49.067px;top:675.7px;">Pre-provision net revenues is a non-GAAP measure calculated based on net interest income plus total non-interest income, net, less total non-interest </div><div id="a18353" style="position:absolute;left:49.067px;top:687.9px;">expenses for the period. </div><div id="a18368" style="position:absolute;left:391.867px;top:715.4px;">16 </div><div id="a18370" style="position:absolute;font-size:13.333px;left:19.2px;top:730.3px;">&#160;</div></div>
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<DESCRIPTION>XBRL PRESENTATION
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      id="ID_a134ab79b94f46a79934e6e5e7a1d4f0">0001030469</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_d120aadfcae14152bef048867036e355">false</dei:AmendmentFlag>
    <dei:EntityEmergingGrowthCompany
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_7cf35542f79a4e1f9f4bbd02ab8613c5">false</dei:EntityEmergingGrowthCompany>
    <dei:DocumentType
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_62d3b90cdedd4aad89344cf73a1ee207">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_4d6f43d3298048af9f23b17e58e815a2">2020-10-23</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_98dccbcb52424ba4983fee67ab2ddd21">OFG Bancorp</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_07416a8392cc4f7c8e392fd1678e9902">PR</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_5a65ef7ca2b247b3a8b4ddb8ec8fa7c9">001-12647</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_6d205a8e669644678cbe4b26693eff10">66-0538893</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_60967721ba164358b6026f98c0d91d38">Oriental Center, 15th Floor</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_d5e1bf16012a4c6eb1da7f3988b56ac4">254 Mu&#xf1;oz Rivera Avenue</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_14704e0d261342ff8721af240ae49619">San Juan</dei:EntityAddressCityOrTown>
    <dei:EntityAddressCountry
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_675fd150f2cf4aa3bce4b2832922fdd3">PR</dei:EntityAddressCountry>
    <dei:EntityAddressPostalZipCode
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_e922395c9ebf43bb97bf72a8fbf0e76a">00918</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_8cf2853b16404dc38d3d6f49ca6835c6">787</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_48c1e06a5d054b02a5093c439ef2cf2a">771-6800</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_d10f05a3088a4655b64c9afb2e0ce993">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_b4a47540dbda4e4ba0a4a1350ec215bd">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_120b488e345d4119ac78fe522967a85e">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="FROM_Oct23_2020_TO_Oct23_2020_Entity_0001030469"
      id="ID_9297ac196dc84e708e83bb7bb3137570">false</dei:PreCommencementIssuerTenderOffer>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140716520671272">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 23, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 23,  2020<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">OFG Bancorp<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">PR<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-12647<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">66-0538893<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">Oriental Center, 15th Floor<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address Address Line 2</a></td>
<td class="text">254 Mu&#241;oz Rivera Avenue<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">San Juan<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address Country</a></td>
<td class="text">PR<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">00918<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">787<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">771-6800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001030469<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityListingsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityListingsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
