<SEC-DOCUMENT>0001030469-21-000006.txt : 20210125
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<ACCEPTANCE-DATETIME>20210125105500
ACCESSION NUMBER:		0001030469-21-000006
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20210125
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210125
DATE AS OF CHANGE:		20210125

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:		21548558

	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
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<div id="a213" style="position:absolute;font-weight:bold;left:96px;top:96.2px;">Item 2.02. Results of Operations and Financial Condition. </div><div id="a218" style="position:absolute;left:96px;top:113.7px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a220" style="position:absolute;left:96px;top:131.3px;"><div style="display:inline-block;width:16.72px">&#160;</div>On January 25, 2021, OFG Bancorp (the &#8220;Company&#8221;) announced the results for the quarter ended December 31, </div><div id="a228" style="position:absolute;left:96px;top:148.9px;">2020. A copy of the Company&#8217;s press release is attached as an exhibit to this report.<div style="display:inline-block;width:3.14px">&#160;</div></div><div id="a231" style="position:absolute;font-weight:bold;left:96px;top:166.8px;">&#160;</div><div id="a232" style="position:absolute;font-weight:bold;left:96px;top:184.4px;">Item 9.01. Financial Statements and Exhibits.</div><div id="a235" style="position:absolute;left:354.667px;top:184.4px;"><div style="display:inline-block;width:3.28px">&#160;</div></div><div id="a237" style="position:absolute;left:96px;top:201.8px;">&#160;</div><div id="a238" style="position:absolute;left:96px;top:219.5px;"><div style="display:inline-block;width:16.72px">&#160;</div>(d) </div><div id="a241" style="position:absolute;font-style:italic;left:131.6px;top:219.5px;">Exhibits</div><div id="a242" style="position:absolute;left:175.307px;top:219.5px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a244" style="position:absolute;left:174.027px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a246" style="position:absolute;left:200.747px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a248" style="position:absolute;left:214.107px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a250" style="position:absolute;left:240.747px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a252" style="position:absolute;left:257.467px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a254" style="position:absolute;left:606.373px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a256" style="position:absolute;left:623.093px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a258" style="position:absolute;left:626.373px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a260" style="position:absolute;left:638.693px;top:237.1px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a262" style="position:absolute;left:176.267px;top:254.8px;">Exhibit No. </div><div id="a264" style="position:absolute;left:240.747px;top:254.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a266" style="position:absolute;left:257.467px;top:254.8px;">Description of Document </div><div id="a268" style="position:absolute;left:606.373px;top:254.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a270" style="position:absolute;left:623.093px;top:254.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a272" style="position:absolute;left:626.373px;top:254.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a274" style="position:absolute;left:638.693px;top:254.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a276" style="position:absolute;left:197.387px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a278" style="position:absolute;left:210.747px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a280" style="position:absolute;left:214.107px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a282" style="position:absolute;left:240.747px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a284" style="position:absolute;left:257.467px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a290" style="position:absolute;left:197.387px;top:291px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a292" style="position:absolute;left:200.747px;top:291px;">99 </div><div id="a294" style="position:absolute;left:214.107px;top:291px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a296" style="position:absolute;left:240.747px;top:291px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a298" style="position:absolute;color:#0000FF;left:257.467px;top:291px;"><a href="ofg8kexhibit994q20.htm" style="color:#0000FF;text-decoration:underline;">Press release by the Company dated January 25, 2021.</a></div><div id="a304" style="position:absolute;left:96px;top:308.6px;"><div style="display:inline-block;width:3.36px">&#160;</div></div></div>
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<div id="a306" style="position:absolute;font-weight:bold;left:364.667px;top:96.2px;">SIGNATURES</div><div id="a307" style="position:absolute;left:451.413px;top:96.2px;"><div style="display:inline-block;width:3.28px">&#160;</div></div><div id="a309" style="position:absolute;left:96px;top:113.7px;"><div style="display:inline-block;width:16.72px">&#160;</div>Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this report to </div><div id="a311" style="position:absolute;left:96px;top:131.3px;">be signed on its behalf by the undersigned hereunto duly authorized.<div style="display:inline-block;width:2.63px">&#160;</div></div><div id="a313" style="position:absolute;left:96px;top:148.9px;">&#160;</div><div id="a314" style="position:absolute;left:96px;top:166.6px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a316" style="position:absolute;left:363.467px;top:166.6px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a318" style="position:absolute;left:417.627px;top:166.6px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a320" style="position:absolute;left:421.227px;top:166.6px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a322" style="position:absolute;left:96px;top:184.2px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a324" style="position:absolute;font-weight:bold;left:363.467px;top:184.4px;">OFG BANCORP</div><div id="a327" style="position:absolute;left:363.467px;top:219.5px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a329" style="position:absolute;left:96px;top:237.1px;">Date: January 25, 2021 </div><div id="a331" style="position:absolute;left:363.467px;top:237.1px;">By:<div style="display:inline-block;width:6.62px">&#160;</div></div><div id="a334" style="position:absolute;left:391.067px;top:237.1px;">/s/ Maritza Arizmendi </div><div id="a337" style="position:absolute;left:96px;top:255.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a339" style="position:absolute;left:363.467px;top:255.8px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a341" style="position:absolute;left:391.067px;top:255.8px;">Maritza Arizmendi </div><div id="a343" style="position:absolute;left:96px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a345" style="position:absolute;left:363.467px;top:273.4px;"><div style="display:inline-block;width:3.36px">&#160;</div></div><div id="a347" style="position:absolute;left:391.067px;top:273.4px;">Executive Vice President and Chief Financial Officer<div style="display:inline-block;width:3.87px">&#160;</div></div><div id="a350" style="position:absolute;font-family:Calibri;font-size:14.64px;left:96px;top:291px;">&#160;</div></div>
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<TYPE>EX-99
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<FILENAME>ofg8kexhibit994q20.htm
<DESCRIPTION>EXHIBIT 99
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<img src="ofg8kexhibit994q20p1i0.jpg" alt="ofg8kexhibit994q20p1i0.jpg" style="position:absolute;left:547.7px;top:51.5px;width:220.3px;height:38.2px;clip: rect(0px, 220.3px, 38.2px, 0px);">
<div id="a0" style="position:absolute;font-size:13.36px;font-weight:bold;left:713.413px;top:19.1px;">Exhibit 99 </div><div id="a2" style="position:absolute;font-size:13.36px;left:768.08px;top:76.9px;">&#160;</div><div id="a3" style="position:absolute;font-size:13.36px;left:768.08px;top:105.6px;">&#160;</div><div id="a4" style="position:absolute;font-size:24px;font-weight:bold;color:#F5821F;left:19.2px;top:137.9px;">OFG Bancorp Reports 4Q20 &amp; 2020 Results </div><div id="a6" style="position:absolute;font-size:14.64px;left:19.2px;top:183.3px;">SAN JUAN,<div style="display:inline-block;width:8.52px">&#160;</div>Puerto Rico,<div style="display:inline-block;width:8.64px">&#160;</div>January 25,<div style="display:inline-block;width:8.16px">&#160;</div>2021 &#8211;<div style="display:inline-block;width:8.04px">&#160;</div>OFG Bancorp<div style="display:inline-block;width:8.31px">&#160;</div>(NYSE: OFG),<div style="display:inline-block;width:8.38px">&#160;</div>the financial<div style="display:inline-block;width:8.1px">&#160;</div>holding company<div style="display:inline-block;width:8.69px">&#160;</div>for Oriental<div style="display:inline-block;width:8.73px">&#160;</div>Bank, </div><div id="a10" style="position:absolute;font-size:14.64px;left:19.2px;top:201.1px;">reported results for the fourth<div style="display:inline-block;width:4.75px">&#160;</div>quarter and year ended December 31, 2020. </div><div id="a12" style="position:absolute;font-size:18.64px;color:#4D4D4D;left:19.2px;top:235px;">CEO Comment </div><div id="a14" style="position:absolute;font-size:13.36px;left:19.2px;top:273.8px;">Jos&#233; Rafael<div style="display:inline-block;width:7.5px">&#160;</div>Fern&#225;ndez, President,<div style="display:inline-block;width:7.57px">&#160;</div>Chief Executive<div style="display:inline-block;width:7.64px">&#160;</div>Officer, and<div style="display:inline-block;width:8.35px">&#160;</div>Vice Chairman<div style="display:inline-block;width:7.04px">&#160;</div>of the<div style="display:inline-block;width:7.16px">&#160;</div>Board, said:<div style="display:inline-block;width:7.36px">&#160;</div>&#8220;We had<div style="display:inline-block;width:7.56px">&#160;</div>another quarter<div style="display:inline-block;width:7.22px">&#160;</div>of strong </div><div id="a16" style="position:absolute;font-size:13.36px;left:19.2px;top:290px;">performance in<div style="display:inline-block;width:6.84px">&#160;</div>our core<div style="display:inline-block;width:6.95px">&#160;</div>businesses, reflecting<div style="display:inline-block;width:6.75px">&#160;</div>our larger<div style="display:inline-block;width:6.83px">&#160;</div>scale, solid<div style="display:inline-block;width:6.79px">&#160;</div>levels of<div style="display:inline-block;width:6.73px">&#160;</div>new loan<div style="display:inline-block;width:6.78px">&#160;</div>production, lower<div style="display:inline-block;width:6.89px">&#160;</div>cost of<div style="display:inline-block;width:6.84px">&#160;</div>funds, higher<div style="display:inline-block;width:6.59px">&#160;</div>non-</div><div id="a19" style="position:absolute;font-size:13.36px;left:19.2px;top:306.3px;">interest income, and reduced expenses.</div><div id="a20" style="position:absolute;font-size:14.64px;left:235.227px;top:305.1px;">&#160;</div><div id="a21" style="position:absolute;font-size:13.36px;left:19.2px;top:338.6px;">&#8220;On a<div style="display:inline-block;width:5.75px">&#160;</div>macro-basis, we<div style="display:inline-block;width:5.69px">&#160;</div>are benefitting<div style="display:inline-block;width:5.96px">&#160;</div>from the<div style="display:inline-block;width:5.72px">&#160;</div>improved economic<div style="display:inline-block;width:5.98px">&#160;</div>environment in<div style="display:inline-block;width:5.95px">&#160;</div>Puerto Rico<div style="display:inline-block;width:5.78px">&#160;</div>and the U.S.<div style="display:inline-block;width:7.04px">&#160;</div>Virgin Islands<div style="display:inline-block;width:5.6px">&#160;</div>due to<div style="display:inline-block;width:5.7px">&#160;</div>the </div><div id="a24" style="position:absolute;font-size:13.36px;left:19.2px;top:354.9px;">continuing nascent rebound from the easing of COVID-19 restrictions and from pandemic-related stimulus. </div><div id="a32" style="position:absolute;font-size:13.36px;left:19.2px;top:387.1px;">&#8220;Within this environment,<div style="display:inline-block;width:6.51px">&#160;</div>Oriental&#8217;s success<div style="display:inline-block;width:6.07px">&#160;</div>continues to<div style="display:inline-block;width:5.46px">&#160;</div>be driven by<div style="display:inline-block;width:6.34px">&#160;</div>resiliency, agility,<div style="display:inline-block;width:7.13px">&#160;</div>and being more<div style="display:inline-block;width:6.23px">&#160;</div>than ready to<div style="display:inline-block;width:6.5px">&#160;</div>help customers </div><div id="a35" style="position:absolute;font-size:13.36px;left:19.2px;top:403.5px;">and communities<div style="display:inline-block;width:6.02px">&#160;</div>with their<div style="display:inline-block;width:6.04px">&#160;</div>changing product<div style="display:inline-block;width:6.2px">&#160;</div>and service needs.<div style="display:inline-block;width:7.3px">&#160;</div>During the<div style="display:inline-block;width:6.01px">&#160;</div>fourth quarter,<div style="display:inline-block;width:7.49px">&#160;</div>we also<div style="display:inline-block;width:6.04px">&#160;</div>completed the<div style="display:inline-block;width:6.28px">&#160;</div>integration of<div style="display:inline-block;width:6.6px">&#160;</div>the </div><div id="a38" style="position:absolute;font-size:13.36px;left:19.2px;top:419.7px;">Scotiabank acquisition and related cost-savings. </div><div id="a42" style="position:absolute;font-size:13.36px;left:19.2px;top:452px;">&#8220;We look<div style="display:inline-block;width:6.05px">&#160;</div>forward to<div style="display:inline-block;width:6.16px">&#160;</div>realizing the<div style="display:inline-block;width:5.69px">&#160;</div>full benefits of<div style="display:inline-block;width:6.83px">&#160;</div>our larger<div style="display:inline-block;width:5.79px">&#160;</div>scale over<div style="display:inline-block;width:5.83px">&#160;</div>the course<div style="display:inline-block;width:5.89px">&#160;</div>of 2021. 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As in<div style="display:inline-block;width:4.94px">&#160;</div>years past, we<div style="display:inline-block;width:5.39px">&#160;</div>successfully worked our<div style="display:inline-block;width:5.33px">&#160;</div>way through it.<div style="display:inline-block;width:5.26px">&#160;</div>Our </div><div id="a51" style="position:absolute;font-size:13.36px;left:19.2px;top:516.8px;">heartfelt thanks go<div style="display:inline-block;width:5.18px">&#160;</div>to our team members<div style="display:inline-block;width:5.62px">&#160;</div>who helped customers<div style="display:inline-block;width:5.06px">&#160;</div>by swiftly processing<div style="display:inline-block;width:5.01px">&#160;</div>loan deferrals; implementing<div style="display:inline-block;width:5.33px">&#160;</div>an easy-to-use, fully </div><div id="a57" style="position:absolute;font-size:13.36px;left:19.2px;top:533.1px;">online Paycheck Protection<div style="display:inline-block;width:5.71px">&#160;</div>Program; managing the<div style="display:inline-block;width:5.04px">&#160;</div>rapid influx of<div style="display:inline-block;width:4.99px">&#160;</div>deposits; and providing contactless<div style="display:inline-block;width:5.7px">&#160;</div>and in-person services in<div style="display:inline-block;width:5.26px">&#160;</div>a COVID-</div><div id="a61" style="position:absolute;font-size:13.36px;left:19.2px;top:549.4px;">safe manner.<div style="display:inline-block;width:10.68px">&#160;</div>Thanks also<div style="display:inline-block;width:9.04px">&#160;</div>to the<div style="display:inline-block;width:9.13px">&#160;</div>many team<div style="display:inline-block;width:9.28px">&#160;</div>members who<div style="display:inline-block;width:9.09px">&#160;</div>had to<div style="display:inline-block;width:9.15px">&#160;</div>successfully adapt<div style="display:inline-block;width:9.13px">&#160;</div>to working<div style="display:inline-block;width:9.13px">&#160;</div>from home<div style="display:inline-block;width:9.04px">&#160;</div>and implement<div style="display:inline-block;width:9.06px">&#160;</div>the </div><div id="a63" style="position:absolute;font-size:13.36px;left:19.2px;top:565.7px;">Scotiabank integration in the middle of a pandemic.&#8221; </div><div id="a65" style="position:absolute;font-size:18.64px;color:#4D4D4D;left:19.2px;top:598px;">4Q20 Highlights </div><div id="a67" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:636.8px;">Increased Earnings<div style="display:inline-block;width:9.02px">&#160;</div>&amp; Revenues: </div><div id="a68" style="position:absolute;font-size:13.36px;left:210.187px;top:636.8px;">EPS diluted<div style="display:inline-block;width:8.85px">&#160;</div>of $0.42<div style="display:inline-block;width:8.68px">&#160;</div>compared to<div style="display:inline-block;width:9.09px">&#160;</div>a loss<div style="display:inline-block;width:8.74px">&#160;</div>of $0.05<div style="display:inline-block;width:8.76px">&#160;</div>in 4Q19.<div style="display:inline-block;width:8.7px">&#160;</div>Results reflected<div style="display:inline-block;width:9.29px">&#160;</div>pre-tax merger<div style="display:inline-block;width:9.41px">&#160;</div>and </div><div id="a73" style="position:absolute;font-size:13.36px;left:19.2px;top:653px;">restructuring charges of $10.1 million<div style="display:inline-block;width:4.81px">&#160;</div>compared to $21.5 million in 4Q19.<div style="display:inline-block;width:4.95px">&#160;</div>Total core<div style="display:inline-block;width:5.2px">&#160;</div>revenues were $132.8 million versus<div style="display:inline-block;width:5.14px">&#160;</div>$98.4 million in </div><div id="a75" style="position:absolute;font-size:13.36px;left:19.2px;top:669.3px;">4Q19. 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<div id="a124" style="position:absolute;font-size:18.64px;color:#4D4D4D;left:19.2px;top:19.1px;">2020 Highlights </div><div id="a126" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:57.9px;">Increased Earnings &amp; Revenues: </div><div id="a127" style="position:absolute;font-size:13.36px;left:200.587px;top:57.9px;">EPS diluted of $1.32<div style="display:inline-block;width:4.99px">&#160;</div>compared to $0.92 in<div style="display:inline-block;width:5.22px">&#160;</div>2019. 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Conference ID:<div style="display:inline-block;width:5.19px">&#160;</div>864-1568. The call can<div style="display:inline-block;width:5.35px">&#160;</div>also be accessed live<div style="display:inline-block;width:5.27px">&#160;</div>on </div><div id="a160" style="position:absolute;font-size:13.36px;color:#0000FF;left:423.467px;top:242.7px;">www.ofgbancorp.com.</div><div id="a163" style="position:absolute;font-size:13.36px;left:547.573px;top:242.7px;"><div style="display:inline-block;width:3.6px">&#160;</div>Webcast replay<div style="display:inline-block;width:5.26px">&#160;</div>will be available shortly </div><div id="a165" style="position:absolute;font-size:13.36px;left:19.2px;top:258.9px;">thereafter.</div><div id="a166" style="position:absolute;font-size:14.64px;left:78.16px;top:257.7px;">&#160;</div><div id="a167" style="position:absolute;font-size:18.64px;color:#4D4D4D;left:19.2px;top:291.2px;">Financial Supplement &amp; Conference Call Presentation </div><div id="a169" style="position:absolute;font-size:14.64px;left:19.2px;top:330.1px;">OFG&#8217;s Financial<div style="display:inline-block;width:8.75px">&#160;</div>Supplement, with<div style="display:inline-block;width:7.77px">&#160;</div>full financial<div style="display:inline-block;width:7.58px">&#160;</div>tables for<div style="display:inline-block;width:8.23px">&#160;</div>the quarter<div style="display:inline-block;width:7.62px">&#160;</div>and year<div style="display:inline-block;width:7.81px">&#160;</div>ended December<div style="display:inline-block;width:7.59px">&#160;</div>31, 2020,<div style="display:inline-block;width:7.66px">&#160;</div>and the<div style="display:inline-block;width:7.53px">&#160;</div>4Q20 </div><div id="a170" style="position:absolute;font-size:14.64px;left:19.2px;top:347.9px;">Conference  Call<div style="display:inline-block;width:10.52px">&#160;</div>Presentation,  can<div style="display:inline-block;width:10.55px">&#160;</div>be  found<div style="display:inline-block;width:10.01px">&#160;</div>on  the<div style="display:inline-block;width:9.69px">&#160;</div>Quarterly  Results<div style="display:inline-block;width:10.22px">&#160;</div>page  on<div style="display:inline-block;width:9.85px">&#160;</div>OFG&#8217;s  Investor<div style="display:inline-block;width:11.49px">&#160;</div>Relations  website<div style="display:inline-block;width:10.57px">&#160;</div>at </div><div id="a172" style="position:absolute;font-size:14.64px;color:#0000FF;left:19.2px;top:365.8px;">www.ofgbancorp.com</div><div id="a173" style="position:absolute;font-size:14.64px;left:152.027px;top:365.8px;">.</div><div id="a174" style="position:absolute;font-size:18.64px;font-weight:bold;color:#4D4D4D;left:155.787px;top:362px;">&#160;</div><div id="a175" style="position:absolute;font-size:18.64px;color:#4D4D4D;left:19.2px;top:399.7px;">Non-GAAP Financial Measures</div><div id="a178" style="position:absolute;font-size:18.64px;font-weight:bold;color:#4D4D4D;left:249.307px;top:399.7px;">&#160;</div><div id="a179" style="position:absolute;font-size:14.64px;left:19.2px;top:438.6px;">In addition to<div style="display:inline-block;width:6.57px">&#160;</div>our financial information<div style="display:inline-block;width:7px">&#160;</div>presented in<div style="display:inline-block;width:5.86px">&#160;</div>accordance with<div style="display:inline-block;width:5.78px">&#160;</div>GAAP,<div style="display:inline-block;width:6.18px">&#160;</div>management uses<div style="display:inline-block;width:5.76px">&#160;</div>certain &#8220;non-GAAP financial </div><div id="a183" style="position:absolute;font-size:14.64px;left:19.2px;top:456.5px;">measures&#8221; within the meaning of<div style="display:inline-block;width:5.18px">&#160;</div>SEC Regulation G, to<div style="display:inline-block;width:5.32px">&#160;</div>clarify and enhance understanding<div style="display:inline-block;width:5.04px">&#160;</div>of past performance and<div style="display:inline-block;width:5.14px">&#160;</div>prospects </div><div id="a184" style="position:absolute;font-size:14.64px;left:19.2px;top:474.3px;">for the<div style="display:inline-block;width:7.75px">&#160;</div>future. 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Its  three  principal  subsidiaries,  Oriental  Bank,  Oriental<div style="display:inline-block;width:7.52px">&#160;</div>Financial  Services  and  Oriental </div></div>
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<div id="a246" style="position:absolute;font-size:13.36px;left:19.2px;top:19.1px;">Insurance, provide a<div style="display:inline-block;width:6.12px">&#160;</div>wide range<div style="display:inline-block;width:5.27px">&#160;</div>of retail and<div style="display:inline-block;width:6.1px">&#160;</div>commercial banking, lending<div style="display:inline-block;width:5.69px">&#160;</div>and wealth management<div style="display:inline-block;width:5.84px">&#160;</div>products, services, and<div style="display:inline-block;width:5.68px">&#160;</div>technology, </div><div id="a249" style="position:absolute;font-size:13.36px;left:19.2px;top:35.4px;">primarily in Puerto Rico and U.S. Virgin Islands. Visit us at </div><div id="a250" style="position:absolute;font-size:13.36px;font-weight:bold;left:331.147px;top:35.4px;">Error! Hyperlink reference not valid.</div><div id="a251" style="position:absolute;font-size:13.36px;color:#0000FF;left:531.333px;top:35.4px;">www.ofgbancorp.com</div><div id="a252" style="position:absolute;font-size:13.36px;left:651.973px;top:35.4px;">.</div><div id="a253" style="position:absolute;font-size:14.64px;left:655.333px;top:34.1px;">&#160;</div><div id="a254" style="position:absolute;font-size:13.36px;color:#F5821F;left:380.667px;top:67.7px;"># # # </div><div id="a256" style="position:absolute;font-size:18.64px;color:#4D4D4D;left:19.2px;top:99.9px;">Contacts </div><div id="a258" style="position:absolute;font-size:13.36px;font-weight:bold;color:#F5821F;left:19.2px;top:138.7px;">Puerto Rico &amp; USVI:</div><div id="a259" style="position:absolute;font-size:13.36px;left:128.8px;top:138.7px;"><div style="display:inline-block;width:3.04px">&#160;</div>Idalis Montalvo (</div><div id="a261" style="position:absolute;font-size:13.36px;color:#0000FF;left:222.427px;top:138.7px;">idalis.montalvo@orientalbank.com</div><div id="a262" style="position:absolute;font-size:13.36px;left:412.507px;top:138.7px;">) at (787) 777-2847</div><div id="a265" style="position:absolute;font-size:14.64px;left:516.213px;top:137.5px;">&#160;</div><div id="a266" style="position:absolute;font-size:13.36px;font-weight:bold;color:#F5821F;left:19.2px;top:171px;">US:</div><div id="a267" style="position:absolute;font-size:13.36px;left:37.92px;top:171px;"><div style="display:inline-block;width:3.04px">&#160;</div>Gary Fishman (</div><div id="a269" style="position:absolute;font-size:13.36px;color:#0000FF;left:121.92px;top:171px;">gfishman@ofgbancorp.com</div><div id="a270" style="position:absolute;font-size:13.36px;left:272.347px;top:171px;">) and Steven Anreder (</div><div id="a271" style="position:absolute;font-size:13.36px;color:#0000FF;left:394.107px;top:171px;">sanreder@ofgbancorp.com</div><div id="a272" style="position:absolute;font-size:13.36px;left:543.013px;top:171px;">) at (212) 532-3232 </div></div>
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<div id="a276" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a278" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a286" style="position:absolute;font-size:18.64px;font-weight:bold;left:353.467px;top:82.4px;">OFG Bancorp </div><div id="a288" style="position:absolute;font-size:18.64px;font-weight:bold;left:320.827px;top:106.4px;">Financial Supplement </div><div id="a302" style="position:absolute;font-size:13.36px;left:19.2px;top:163.2px;">The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation, </div><div id="a305" style="position:absolute;font-size:13.36px;left:19.2px;top:179.5px;">and investors should refer to<div style="display:inline-block;width:4.3px">&#160;</div>our December 31, 2020 Annual Report on Form 10-K once it is filed with the Securities and Exchange </div><div id="a309" style="position:absolute;font-size:13.36px;left:19.2px;top:195.8px;">Commission. </div><div id="a317" style="position:absolute;font-size:18.64px;font-weight:bold;left:335.947px;top:230.3px;">Table<div style="display:inline-block;width:5.66px">&#160;</div>of Contents </div><div id="a323" style="position:absolute;font-size:14.64px;font-weight:bold;left:754.08px;top:255.2px;">Pages </div><div id="a332" style="position:absolute;font-size:14.64px;font-weight:bold;left:24.16px;top:292.2px;">OFG Bancorp (Consolidated Financial Information) </div><div id="a337" style="position:absolute;font-size:13.36px;left:24.16px;top:310.7px;">Table<div style="display:inline-block;width:7.08px">&#160;</div>1: </div><div id="a340" style="position:absolute;font-size:13.36px;left:119.2px;top:310.7px;">Financial and Statistical Summary - 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<div style="position:absolute; width:64px; height:1.3px; left:489.3px; top:129.3px; background-color:#000000;">&#160;</div>
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style="position:absolute;font-size:8px;left:375.787px;top:333.9px;">(4) </div><div id="a846" style="position:absolute;font-weight:bold;left:400.187px;top:330.6px;">$ </div><div id="a848" style="position:absolute;font-weight:bold;left:441.253px;top:330.6px;">0.42 </div><div id="a850" style="position:absolute;font-size:8px;font-weight:bold;left:467.413px;top:333.9px;">(a)(g) </div><div id="a853" style="position:absolute;left:531.413px;top:330.6px;">0.50 </div><div id="a857" style="position:absolute;left:607.413px;top:330.6px;">0.39 </div><div id="a861" style="position:absolute;left:697.973px;top:330.6px;">- </div><div id="a865" style="position:absolute;left:768.88px;top:330.6px;">(0.05) </div><div id="a868" style="position:absolute;left:19.2px;top:345.6px;">Average common shares outstanding </div><div id="a873" style="position:absolute;font-weight:bold;left:430.507px;top:345.6px;">51,350 </div><div id="a877" style="position:absolute;left:520.613px;top:345.6px;">51,342 </div><div id="a881" style="position:absolute;left:596.613px;top:345.6px;">51,336 </div><div id="a885" style="position:absolute;left:671.573px;top:345.6px;">51,404 </div><div id="a889" style="position:absolute;left:761.6px;top:345.6px;">51,360 </div><div id="a892" style="position:absolute;left:19.2px;top:360.6px;">Average common shares outstanding<div style="display:inline-block;width:3.89px">&#160;</div>and equivalents </div><div id="a897" style="position:absolute;font-weight:bold;left:430.507px;top:360.6px;">51,618 </div><div id="a901" style="position:absolute;left:520.613px;top:360.6px;">51,527 </div><div id="a905" style="position:absolute;left:596.613px;top:360.6px;">51,470 </div><div id="a909" style="position:absolute;left:671.573px;top:360.6px;">51,713 </div><div id="a913" style="position:absolute;left:761.6px;top:360.6px;">51,791 </div><div id="a916" style="position:absolute;left:19.2px;top:375.6px;">Cash dividends per common share </div><div id="a920" style="position:absolute;font-weight:bold;left:400.187px;top:375.6px;">$ </div><div id="a922" style="position:absolute;font-weight:bold;left:441.253px;top:375.6px;">0.07 </div><div id="a925" style="position:absolute;left:489.253px;top:375.6px;">$ </div><div id="a927" style="position:absolute;left:531.413px;top:375.6px;">0.07 </div><div id="a930" style="position:absolute;left:565.253px;top:375.6px;">$ </div><div id="a932" style="position:absolute;left:607.413px;top:375.6px;">0.07 </div><div id="a935" style="position:absolute;left:641.253px;top:375.6px;">$ </div><div id="a937" style="position:absolute;left:682.373px;top:375.6px;">0.07 </div><div id="a940" style="position:absolute;left:731.28px;top:375.6px;">$ </div><div id="a942" style="position:absolute;left:772.4px;top:375.6px;">0.07 </div><div id="a945" style="position:absolute;left:19.2px;top:390.6px;">Book value per common share (period end) </div><div id="a949" style="position:absolute;font-weight:bold;left:400.187px;top:390.6px;">$ </div><div id="a951" style="position:absolute;font-weight:bold;left:435.813px;top:390.6px;">19.54 </div><div id="a954" style="position:absolute;left:489.253px;top:390.6px;">$ </div><div id="a956" style="position:absolute;left:525.973px;top:390.6px;">19.13 </div><div id="a959" style="position:absolute;left:565.253px;top:390.6px;">$ </div><div id="a961" style="position:absolute;left:601.973px;top:390.6px;">18.69 </div><div id="a964" style="position:absolute;left:641.253px;top:390.6px;">$ </div><div id="a966" style="position:absolute;left:676.933px;top:390.6px;">18.33 </div><div id="a968" style="position:absolute;font-size:8px;left:713.333px;top:393.9px;">(e) </div><div id="a970" style="position:absolute;left:731.28px;top:390.6px;">$ </div><div id="a972" style="position:absolute;left:766.96px;top:390.6px;">18.75 </div><div id="a975" style="position:absolute;left:19.2px;top:406.6px;">Tangible book value per common<div style="display:inline-block;width:3.82px">&#160;</div>share (period end) </div><div id="a977" style="position:absolute;font-size:8px;left:375.787px;top:409.9px;">(5) </div><div id="a980" style="position:absolute;font-weight:bold;left:400.187px;top:406.6px;">$ </div><div id="a982" style="position:absolute;font-weight:bold;left:435.813px;top:406.6px;">16.97 </div><div id="a985" style="position:absolute;left:489.253px;top:406.6px;">$ </div><div id="a987" style="position:absolute;left:525.973px;top:406.6px;">16.51 </div><div id="a990" style="position:absolute;left:565.253px;top:406.6px;">$ </div><div id="a992" style="position:absolute;left:601.973px;top:406.6px;">16.01 </div><div id="a995" style="position:absolute;left:641.253px;top:406.6px;">$ </div><div id="a997" style="position:absolute;left:676.933px;top:406.6px;">15.60 </div><div id="a999" style="position:absolute;font-size:8px;left:712.373px;top:409.9px;"><div style="display:inline-block;width:1.84px">&#160;</div>(e)<div style="display:inline-block;width:1.81px">&#160;</div></div><div id="a1002" style="position:absolute;left:731.28px;top:406.6px;">$ </div><div id="a1004" style="position:absolute;left:766.96px;top:406.6px;">15.96 </div><div id="a1007" style="position:absolute;font-weight:bold;left:19.2px;top:424px;">Balance Sheet (Average Balances) </div><div id="a1026" style="position:absolute;left:19.2px;top:440.3px;">Loans </div><div id="a1028" style="position:absolute;font-size:8px;left:375.787px;top:443.5px;">(6) </div><div id="a1031" style="position:absolute;font-weight:bold;left:400.187px;top:440.3px;">$ </div><div id="a1033" style="position:absolute;font-weight:bold;left:416.907px;top:440.3px;">6,708,284 </div><div id="a1035" style="position:absolute;font-size:8px;font-weight:bold;left:471.173px;top:443.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.75px">&#160;</div></div><div id="a1038" style="position:absolute;left:489.253px;top:440.3px;">$ </div><div id="a1040" style="position:absolute;left:507.093px;top:440.3px;">6,787,022 </div><div id="a1042" style="position:absolute;font-size:8px;left:554.213px;top:443.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.77px">&#160;</div></div><div id="a1045" style="position:absolute;left:565.253px;top:440.3px;">$ </div><div id="a1047" style="position:absolute;left:583.093px;top:440.3px;">6,840,650 </div><div id="a1049" style="position:absolute;font-size:8px;left:630.213px;top:443.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.77px">&#160;</div></div><div id="a1052" style="position:absolute;left:641.253px;top:440.3px;">$ </div><div id="a1054" style="position:absolute;left:658.053px;top:440.3px;">6,687,875 </div><div id="a1057" style="position:absolute;left:731.28px;top:440.3px;">$ </div><div id="a1059" style="position:absolute;left:748.08px;top:440.3px;">4,500,071 </div><div id="a1062" style="position:absolute;left:19.2px;top:455.3px;">Interest-earning assets </div><div id="a1069" style="position:absolute;font-weight:bold;left:416.907px;top:455.3px;">9,270,739 </div><div id="a1071" style="position:absolute;font-size:8px;font-weight:bold;left:472.053px;top:458.6px;">(c) </div><div id="a1074" style="position:absolute;left:507.093px;top:455.3px;">9,218,717 </div><div id="a1076" style="position:absolute;font-size:8px;left:555.093px;top:458.6px;">(c) </div><div id="a1079" style="position:absolute;left:583.093px;top:455.3px;">8,845,744 </div><div id="a1081" style="position:absolute;font-size:8px;left:631.093px;top:458.6px;">(c) </div><div id="a1084" style="position:absolute;left:658.053px;top:455.3px;">8,556,421 </div><div id="a1088" style="position:absolute;left:748.08px;top:455.3px;">5,886,379 </div><div id="a1091" style="position:absolute;left:19.2px;top:470.3px;">Total assets </div><div id="a1096" style="position:absolute;font-weight:bold;left:416.907px;top:470.3px;">9,921,254 </div><div id="a1098" style="position:absolute;font-size:8px;font-weight:bold;left:471.173px;top:473.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.75px">&#160;</div></div><div id="a1102" style="position:absolute;left:507.093px;top:470.3px;">9,918,381 </div><div id="a1104" style="position:absolute;font-size:8px;left:554.213px;top:473.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.77px">&#160;</div></div><div id="a1108" style="position:absolute;left:583.093px;top:470.3px;">9,512,129 </div><div id="a1110" style="position:absolute;font-size:8px;left:630.213px;top:473.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.77px">&#160;</div></div><div id="a1114" style="position:absolute;left:658.053px;top:470.3px;">9,326,627 </div><div id="a1118" style="position:absolute;left:748.08px;top:470.3px;">6,325,334 </div><div id="a1121" style="position:absolute;left:19.2px;top:485.3px;">Core deposits </div><div id="a1126" style="position:absolute;font-weight:bold;left:416.907px;top:485.3px;">8,451,308 </div><div id="a1130" style="position:absolute;left:507.093px;top:485.3px;">8,376,623 </div><div id="a1134" style="position:absolute;left:583.093px;top:485.3px;">7,852,495 </div><div id="a1138" style="position:absolute;left:658.053px;top:485.3px;">7,516,438 </div><div id="a1142" style="position:absolute;left:748.08px;top:485.3px;">4,582,872 </div><div id="a1145" style="position:absolute;left:19.2px;top:500.3px;">Total deposits </div><div id="a1150" style="position:absolute;font-weight:bold;left:416.907px;top:500.3px;">8,515,646 </div><div id="a1154" style="position:absolute;left:507.093px;top:500.3px;">8,517,039 </div><div id="a1158" style="position:absolute;left:583.093px;top:500.3px;">8,088,106 </div><div id="a1162" style="position:absolute;left:658.053px;top:500.3px;">7,752,446 </div><div id="a1166" style="position:absolute;left:748.08px;top:500.3px;">4,850,980 </div><div id="a1169" style="position:absolute;left:19.2px;top:515.3px;">Interest-bearing deposits </div><div id="a1176" style="position:absolute;font-weight:bold;left:416.907px;top:515.3px;">6,199,929 </div><div id="a1180" style="position:absolute;left:507.093px;top:515.3px;">6,240,639 </div><div id="a1184" style="position:absolute;left:583.093px;top:515.3px;">6,105,014 </div><div id="a1188" style="position:absolute;left:658.053px;top:515.3px;">6,053,482 </div><div id="a1192" style="position:absolute;left:748.08px;top:515.3px;">3,740,133 </div><div id="a1195" style="position:absolute;left:19.2px;top:530.3px;">Borrowings </div><div id="a1200" style="position:absolute;font-weight:bold;left:425.067px;top:530.3px;">101,930 </div><div id="a1204" style="position:absolute;left:515.173px;top:530.3px;">102,916 </div><div id="a1208" style="position:absolute;left:591.173px;top:530.3px;">157,669 </div><div id="a1212" style="position:absolute;left:666.133px;top:530.3px;">271,800 </div><div id="a1216" style="position:absolute;left:756.16px;top:530.3px;">304,365 </div><div id="a1219" style="position:absolute;left:19.2px;top:545.3px;">Stockholders&apos; equity </div><div id="a1224" style="position:absolute;font-weight:bold;left:416.907px;top:545.3px;">1,083,423 </div><div id="a1228" style="position:absolute;left:507.093px;top:545.3px;">1,062,460 </div><div id="a1232" style="position:absolute;left:583.093px;top:545.3px;">1,037,195 </div><div id="a1236" style="position:absolute;left:658.053px;top:545.3px;">1,043,481 </div><div id="a1238" style="position:absolute;font-size:8px;left:713.333px;top:548.6px;">(e) </div><div id="a1241" style="position:absolute;left:748.08px;top:545.3px;">1,062,720 </div><div id="a1244" style="position:absolute;left:19.2px;top:561.3px;">Common stockholders&apos; equity </div><div id="a1249" style="position:absolute;font-weight:bold;left:416.907px;top:561.3px;">1,001,553 </div><div id="a1253" style="position:absolute;left:515.173px;top:561.3px;">980,590 </div><div id="a1257" style="position:absolute;left:591.173px;top:561.3px;">955,325 </div><div id="a1261" style="position:absolute;left:666.133px;top:561.3px;">961,611 </div><div id="a1263" style="position:absolute;font-size:8px;left:712.373px;top:564.6px;"><div style="display:inline-block;width:1.84px">&#160;</div>(e)<div style="display:inline-block;width:1.81px">&#160;</div></div><div id="a1267" style="position:absolute;left:756.16px;top:561.3px;">980,850 </div><div id="a1270" style="position:absolute;font-weight:bold;left:19.2px;top:578.6px;">Performance Metrics </div><div id="a1289" style="position:absolute;left:19.2px;top:595px;">Net interest margin </div><div id="a1291" style="position:absolute;font-size:8px;left:375.787px;top:598.3px;">(7) </div><div id="a1295" style="position:absolute;font-weight:bold;left:436.373px;top:595px;">4.24% </div><div id="a1299" style="position:absolute;left:526.693px;top:595px;">4.30% </div><div id="a1303" style="position:absolute;left:602.693px;top:595px;">4.78% </div><div id="a1307" style="position:absolute;left:677.653px;top:595px;">4.94% </div><div id="a1311" style="position:absolute;left:767.68px;top:595px;">5.34% </div><div id="a1314" style="position:absolute;left:19.2px;top:610px;">Return on average assets </div><div id="a1316" style="position:absolute;font-size:8px;left:375.787px;top:613.2px;">(8) </div><div id="a1320" style="position:absolute;font-weight:bold;left:436.373px;top:610px;">0.94% </div><div id="a1324" style="position:absolute;left:526.693px;top:610px;">1.11% </div><div id="a1328" style="position:absolute;left:602.693px;top:610px;">0.92% </div><div id="a1332" style="position:absolute;left:677.653px;top:610px;">0.08% </div><div id="a1336" style="position:absolute;left:764.4px;top:610px;">-0.06% </div><div id="a1340" style="position:absolute;left:19.2px;top:625px;">Return on average tangible common stockholders&apos;<div style="display:inline-block;width:4.28px">&#160;</div>equity </div><div id="a1342" style="position:absolute;font-size:8px;left:375.787px;top:628.3px;">(9) </div><div id="a1346" style="position:absolute;font-weight:bold;left:436.373px;top:625px;">9.99% </div><div id="a1350" style="position:absolute;left:521.333px;top:625px;">12.23% </div><div id="a1354" style="position:absolute;left:602.693px;top:625px;">9.88% </div><div id="a1358" style="position:absolute;left:677.653px;top:625px;">0.08% </div><div id="a1362" style="position:absolute;left:764.4px;top:625px;">-1.17% </div><div id="a1366" style="position:absolute;left:19.2px;top:640px;">Efficiency ratio </div><div id="a1368" style="position:absolute;font-size:8px;left:373.707px;top:643.2px;">(10) </div><div id="a1372" style="position:absolute;font-weight:bold;left:430.987px;top:640px;">67.06% </div><div id="a1374" style="position:absolute;font-size:8px;font-weight:bold;left:471.813px;top:643.2px;">(g) </div><div id="a1377" style="position:absolute;left:521.333px;top:640px;">65.69% </div><div id="a1381" style="position:absolute;left:597.333px;top:640px;">66.70% </div><div id="a1385" style="position:absolute;left:672.293px;top:640px;">66.49% </div><div id="a1389" style="position:absolute;left:762.32px;top:640px;">80.19% </div><div id="a1392" style="position:absolute;left:19.2px;top:656px;">Full-time equivalent employees, period end </div><div id="a1399" style="position:absolute;font-weight:bold;left:435.893px;top:656px;">2,275 </div><div id="a1403" style="position:absolute;left:525.973px;top:656px;">2,332 </div><div id="a1407" style="position:absolute;left:601.973px;top:656px;">2,373 </div><div id="a1411" style="position:absolute;left:676.933px;top:656px;">2,449 </div><div id="a1415" style="position:absolute;left:766.96px;top:656px;">2,455 </div><div id="a1418" style="position:absolute;font-weight:bold;left:19.2px;top:673.3px;">Credit Quality Metrics </div><div id="a1420" style="position:absolute;font-size:8px;left:369.307px;top:676.6px;">(1)(21) </div><div id="a1438" style="position:absolute;left:19.2px;top:700.6px;">Allowance for loan and lease losses </div><div id="a1442" style="position:absolute;font-weight:bold;left:400.187px;top:700.6px;">$ </div><div id="a1444" style="position:absolute;font-weight:bold;left:425.067px;top:700.6px;">204,809 </div><div id="a1446" style="position:absolute;font-size:8px;font-weight:bold;left:470.693px;top:704px;"><div style="display:inline-block;width:1.84px">&#160;</div>(b)<div style="display:inline-block;width:1.76px">&#160;</div></div><div id="a1449" style="position:absolute;left:489.253px;top:700.6px;">$ </div><div id="a1451" 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<div id="a1800" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a1802" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a1804" style="position:absolute;left:19.2px;top:64.2px;">(c) In response to the Coronavirus (COVID-19) pandemic,<div style="display:inline-block;width:3.83px">&#160;</div>CARES Act created funding for the Small Business Administration<div style="display:inline-block;width:4.31px">&#160;</div>(SBA) Paycheck Protection Program<div style="display:inline-block;width:4.04px">&#160;</div>(PPP), which provides </div><div id="a1808" style="position:absolute;left:19.2px;top:77.2px;">loans to small businesses to keep their employees on payroll<div style="display:inline-block;width:4.16px">&#160;</div>and make other eligible payments. The original funding for<div style="display:inline-block;width:3.88px">&#160;</div>the PPP was fully allocated by mid-April 2020, with additional </div><div id="a1812" style="position:absolute;left:19.2px;top:90.3px;">funding made available on April 24, 2020 under the Paycheck<div style="display:inline-block;width:3.86px">&#160;</div>Protection Program and Health Care Enhancement<div style="display:inline-block;width:3.99px">&#160;</div>Act. During 2Q 2020 and 3Q 2020, the Company participated in this </div><div id="a1816" style="position:absolute;left:19.2px;top:103.3px;">program originating 4,342 and 732 PPP loans, respectively.<div style="display:inline-block;width:4.42px">&#160;</div>On June 30, 2020, September 30, 2020 and December 31, 2020, Oriental had PPP loans amounting<div style="display:inline-block;width:3.87px">&#160;</div>to $278.1 million, </div><div id="a1818" style="position:absolute;left:19.2px;top:116.3px;">$289.2 million and $282.7 million, respectively.<div style="display:inline-block;width:3.79px">&#160;</div>These loans are fully guaranteed by the SBA and risk-weighted<div style="display:inline-block;width:4.53px">&#160;</div>at 0%. </div><div id="a1823" style="position:absolute;left:19.2px;top:129.3px;">(d) During 1Q 2020, the Company decided to early implement Simplifications to<div style="display:inline-block;width:3.82px">&#160;</div>the Capital Rule, which simplified the regulatory capital treatment<div style="display:inline-block;width:4.11px">&#160;</div>for mortgage servicing assets </div><div id="a1826" style="position:absolute;left:19.2px;top:142.3px;">(MSA) and certain deferred tax assets<div style="display:inline-block;width:3.74px">&#160;</div>arising from temporary differences<div style="display:inline-block;width:3.81px">&#160;</div>(temporary difference DTAs).<div style="display:inline-block;width:4.44px">&#160;</div>It Increased common equity tier 1 (CET1) capital threshold deductions<div style="display:inline-block;width:3.78px">&#160;</div>from </div><div id="a1828" style="position:absolute;left:19.2px;top:155.4px;">10 percent to 25 percent and removes the aggregate<div style="display:inline-block;width:4.23px">&#160;</div>15 percent CET1 threshold deduction. However,<div style="display:inline-block;width:4.43px">&#160;</div>it retains the 250 percent risk weight applicable<div style="display:inline-block;width:3.9px">&#160;</div>to non-deducted amounts of </div><div id="a1832" style="position:absolute;left:19.2px;top:168.4px;">MSAs and temporary difference DTAs. </div><div id="a1834" style="position:absolute;left:19.2px;top:181.4px;">(e) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement<div style="display:inline-block;width:3.84px">&#160;</div>of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective<div style="display:inline-block;width:4.24px">&#160;</div>approach. As </div><div id="a1838" style="position:absolute;left:19.2px;top:194.5px;">a result, a $39.2 million allowance for credit losses was recorded<div style="display:inline-block;width:4.2px">&#160;</div>for Non-PCD loans and $0.2 million for unused commitments with<div style="display:inline-block;width:3.74px">&#160;</div>the corresponding adjustment reducing retained </div><div id="a1841" style="position:absolute;left:19.2px;top:207.5px;">earnings, net of a $13.9 million deferred tax effect.<div style="display:inline-block;width:4.14px">&#160;</div>For PCD loans, including BBVA and Eurobank<div style="display:inline-block;width:3.85px">&#160;</div>acquired book plus the recently acquired Scotiabank, the adjustment<div style="display:inline-block;width:4.02px">&#160;</div>amounting to </div><div id="a1845" style="position:absolute;left:19.2px;top:220.5px;">$50.5 million was made through the allowance and loan balances with no impact in<div style="display:inline-block;width:3.77px">&#160;</div>capital. As disclosed in the Company&#8217;s 2019 Form<div style="display:inline-block;width:3.83px">&#160;</div>10-K, the Company had initially elected to </div><div id="a1849" style="position:absolute;left:19.2px;top:233.5px;">phase-in the January 1, 2020 (&#8220;day 1&#8221;) impact to retained<div style="display:inline-block;width:4.05px">&#160;</div>earnings to regulatory capital, over a three-year<div style="display:inline-block;width:4.03px">&#160;</div>transition period beginning in 2020. As part of its response to the impact of </div><div id="a1854" style="position:absolute;left:19.2px;top:246.5px;">COVID-19, in March 2020, the Federal Reserve,<div style="display:inline-block;width:3.83px">&#160;</div>Federal Deposit Insurance Corporation and Office<div style="display:inline-block;width:3.95px">&#160;</div>of the Comptroller of the Currency issued an interim final rule that<div style="display:inline-block;width:3.92px">&#160;</div>provided the </div><div id="a1859" style="position:absolute;left:19.2px;top:259.6px;">option to temporarily delay the effects<div style="display:inline-block;width:3.93px">&#160;</div>of CECL on regulatory capital for two year<div style="display:inline-block;width:1.42px">&#160;</div>s, followed by a three-year transition<div style="display:inline-block;width:3.98px">&#160;</div>period. In addition, for the first two years, a uniform<div style="display:inline-block;width:4.1px">&#160;</div>25% </div><div id="a1863" style="position:absolute;left:19.2px;top:272.6px;">&#8220;scaling factor&#8221; is introduced to approximate<div style="display:inline-block;width:4px">&#160;</div>the portion of the post day-one allowance attributable<div style="display:inline-block;width:3.95px">&#160;</div>to CECL relative to the incurred loss methodology.<div style="display:inline-block;width:4.43px">&#160;</div>The 25% scaling factor is </div><div id="a1867" style="position:absolute;left:19.2px;top:285.6px;">calibrated to approximate<div style="display:inline-block;width:3.92px">&#160;</div>an overall after-tax impact of differences<div style="display:inline-block;width:4.09px">&#160;</div>in allowances under CECL vs the incurred loss methodology. </div><div id="a1871" style="position:absolute;left:19.2px;top:298.6px;">(f) In March 2020, a global pandemic was declared by the World<div style="display:inline-block;width:3.77px">&#160;</div>Health Organization related to<div style="display:inline-block;width:3.84px">&#160;</div>the rapidly growing outbreak of a novel strain<div style="display:inline-block;width:3.88px">&#160;</div>of coronavirus (COVID-19). The </div><div id="a1875" style="position:absolute;left:19.2px;top:311.7px;">pandemic significantly impacted the economic conditions in P.R.<div style="display:inline-block;width:4.96px">&#160;</div>and the U.S., creating significant uncertainties. In<div style="display:inline-block;width:3.74px">&#160;</div>response, we increased our provision for credit<div style="display:inline-block;width:3.82px">&#160;</div>losses on loans in </div><div id="a1877" style="position:absolute;left:19.2px;top:324.7px;">1Q 2020 and 2Q 2020 by $34.1 million and $5.0 million, respectively,<div style="display:inline-block;width:4.03px">&#160;</div>and established a provision for credit losses on<div style="display:inline-block;width:3.77px">&#160;</div>accrued interest receivables under deferral<div style="display:inline-block;width:4.24px">&#160;</div>plans in 3Q 2020 of </div><div id="a1880" style="position:absolute;left:19.2px;top:337.7px;">$826 thousand. </div><div id="a1882" style="position:absolute;left:19.2px;top:350.7px;">(g) On December 31, 2019, the Company acquired Scotiabank&apos;s Puerto Rico and<div style="display:inline-block;width:3.77px">&#160;</div>USVI operations, incurring in merger and restructuring<div style="display:inline-block;width:3.94px">&#160;</div>charges of $21.5 million during 4Q 2019, $3.0 </div><div id="a1884" style="position:absolute;left:19.2px;top:363.7px;">million during 2Q 2020, $2.7 million during 3Q 2020, and $10.1 million during 4Q 2020. 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<div style="position:absolute; width:89px; height:1.3px; left:668.3px; top:129.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:89px; height:1.3px; left:529.3px; top:129.3px; background-color:#000000;">&#160;</div>
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style="position:absolute;font-size:8px;left:480.293px;top:726.9px;">(11) </div><div id="a2492" style="position:absolute;font-weight:bold;left:591.333px;top:723.6px;">1.41% </div><div id="a2496" style="position:absolute;left:730.72px;top:723.6px;">1.66% </div><div id="a2498" style="position:absolute;font-size:8px;left:774.32px;top:726.9px;">(f)(g) </div><div id="a2500" style="position:absolute;left:19.2px;top:738.6px;">Early delinquency rate (30 - 89 days past<div style="display:inline-block;width:3.91px">&#160;</div>due)<div style="display:inline-block;width:2.46px">&#160;</div></div><div id="a2508" style="position:absolute;font-weight:bold;left:591.333px;top:738.6px;">2.68% </div><div id="a2512" style="position:absolute;left:730.72px;top:738.6px;">3.07% </div><div id="a2515" style="position:absolute;left:19.2px;top:754.6px;">Total delinquency rate<div style="display:inline-block;width:4.16px">&#160;</div>(30 days and over) </div><div id="a2521" 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style="position:absolute;font-size:8px;font-weight:bold;left:629.013px;top:838.5px;"><div style="display:inline-block;width:1.84px">&#160;</div>(a)(b)(c)<div style="display:inline-block;width:1.78px">&#160;</div></div><div id="a2597" style="position:absolute;left:725.36px;top:835.3px;">13.91% </div><div id="a2600" style="position:absolute;left:19.2px;top:850.2px;">Tangible common equity (&quot;TCE&quot;)<div style="display:inline-block;width:3.91px">&#160;</div>ratio </div><div id="a2605" style="position:absolute;font-weight:bold;left:591.333px;top:850.2px;">9.00% </div><div id="a2609" style="position:absolute;left:730.72px;top:850.2px;">8.96% </div><div id="a2621" style="position:absolute;left:19.2px;top:874.2px;">(a) In response to the Coronavirus (COVID-19) pandemic,<div style="display:inline-block;width:3.79px">&#160;</div>CARES Act created funding for the Small Business Administration<div style="display:inline-block;width:4.31px">&#160;</div>(SBA) Paycheck Protection Program<div style="display:inline-block;width:4.04px">&#160;</div>(PPP), </div><div id="a2625" style="position:absolute;left:19.2px;top:887.3px;">which provides loans to small businesses to keep their<div style="display:inline-block;width:3.76px">&#160;</div>employees on payroll and make other<div style="display:inline-block;width:3.75px">&#160;</div>eligible payments. The original funding for the PPP was fully allocated<div style="display:inline-block;width:4.15px">&#160;</div>by </div><div id="a2627" style="position:absolute;left:19.2px;top:900.3px;">mid-April 2020, with additional funding made available on April 24, 2020 under the Paycheck<div style="display:inline-block;width:4.34px">&#160;</div>Protection Program and Health Care Enhancement<div style="display:inline-block;width:3.83px">&#160;</div>Act. During 2Q 2020 and </div><div id="a2631" style="position:absolute;left:19.2px;top:913.4px;">3Q 2020, the Company participated in this program originating<div style="display:inline-block;width:4.04px">&#160;</div>4,342 and 732 PPP loans, respectively. On June 30,<div style="display:inline-block;width:3.8px">&#160;</div>2020, September 30, 2020 and December 31, 2020, </div><div id="a2634" style="position:absolute;left:19.2px;top:926.3px;">Oriental had PPP loans amounting to $278.1 million, $289.2 million and $282.7 million,<div style="display:inline-block;width:3.77px">&#160;</div>respectively. These loans are fully<div style="display:inline-block;width:3.8px">&#160;</div>guaranteed by the SBA and risk-weighted<div style="display:inline-block;width:4.19px">&#160;</div>at 0%. </div><div id="a2640" style="position:absolute;left:19.2px;top:939.4px;">(b) During 1Q 2020, the Company decided to early implement Simplifications to<div style="display:inline-block;width:3.82px">&#160;</div>the Capital Rule, which simplified the regulatory capital treatment<div style="display:inline-block;width:4.11px">&#160;</div>for mortgage servicing </div><div id="a2642" style="position:absolute;left:19.2px;top:952.4px;">assets (MSA) and certain deferred tax<div style="display:inline-block;width:3.74px">&#160;</div>assets arising from temporary differences<div style="display:inline-block;width:3.82px">&#160;</div>(temporary difference DTAs).<div style="display:inline-block;width:4.52px">&#160;</div>It Increased common equity tier 1 (CET1) capital threshold </div><div id="a2645" style="position:absolute;left:19.2px;top:965.5px;">deductions from 10 percent to 25 percent and removes<div style="display:inline-block;width:3.99px">&#160;</div>the aggregate 15 percent CET1 threshold deduction.<div style="display:inline-block;width:3.83px">&#160;</div>However, it<div style="display:inline-block;width:3.75px">&#160;</div>retains the 250 percent risk weight applicable<div style="display:inline-block;width:3.83px">&#160;</div>to </div><div id="a2647" style="position:absolute;left:19.2px;top:978.5px;">non-deducted amounts of MSAs and temporary difference<div style="display:inline-block;width:4.1px">&#160;</div>DTAs. </div></div>
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<div id="a2652" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a2654" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a2656" style="position:absolute;left:19.2px;top:64.2px;">(c) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement<div style="display:inline-block;width:3.83px">&#160;</div>of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective </div><div id="a2661" style="position:absolute;left:19.2px;top:77.2px;">approach. As a result, a $39.2 million allowance for credit<div style="display:inline-block;width:3.84px">&#160;</div>losses was recorded for Non-PCD loans and $0.2 million for<div style="display:inline-block;width:3.85px">&#160;</div>unused commitments with the corresponding </div><div id="a2666" style="position:absolute;left:19.2px;top:90.3px;">adjustment reducing retained earnings, net of a $13.9 million<div style="display:inline-block;width:3.87px">&#160;</div>deferred tax effect.<div style="display:inline-block;width:3.79px">&#160;</div>For PCD loans, including BBVA and Eurobank<div style="display:inline-block;width:3.85px">&#160;</div>acquired book plus the recently acquired </div><div id="a2669" style="position:absolute;left:19.2px;top:103.3px;">Scotiabank, the adjustment amounting to $50.5 million was made through<div style="display:inline-block;width:3.92px">&#160;</div>the allowance and loan balances with no impact in capital. As disclosed in the Company&#8217;s<div style="display:inline-block;width:4.25px">&#160;</div>2019 </div><div id="a2672" style="position:absolute;left:19.2px;top:116.3px;">Form 10-K, the Company had initially elected to phase-in the January 1, 2020 (&#8220;day<div style="display:inline-block;width:4.51px">&#160;</div>1&#8221;) impact to retained earnings to regulatory capital,<div style="display:inline-block;width:4.04px">&#160;</div>over a three-year transition </div><div id="a2680" style="position:absolute;left:19.2px;top:129.3px;">period beginning in 2020. As part of its response to the impact of COVID-19, in March<div style="display:inline-block;width:3.87px">&#160;</div>2020, the Federal Reserve, Federal<div style="display:inline-block;width:3.74px">&#160;</div>Deposit Insurance Corporation and Office of the </div><div id="a2683" style="position:absolute;left:19.2px;top:142.3px;">Comptroller of the Currency issued an interim final rule that<div style="display:inline-block;width:3.79px">&#160;</div>provided the option to temporarily delay the effects<div style="display:inline-block;width:4.25px">&#160;</div>of CECL on regulatory capital for two years,<div style="display:inline-block;width:3.98px">&#160;</div>followed by </div><div id="a2686" style="position:absolute;left:19.2px;top:155.4px;">a three-year transition period. In addition, for the<div style="display:inline-block;width:3.74px">&#160;</div>first two years, a uniform 25% &#8220;scaling<div style="display:inline-block;width:4.21px">&#160;</div>factor&#8221; is introduced to approximate the portion of the post<div style="display:inline-block;width:3.94px">&#160;</div>day-one allowance </div><div id="a2692" style="position:absolute;left:19.2px;top:168.4px;">attributable to CECL relative to the<div style="display:inline-block;width:3.74px">&#160;</div>incurred loss methodology. The 25% scaling<div style="display:inline-block;width:3.98px">&#160;</div>factor is calibrated to approximate<div style="display:inline-block;width:4.22px">&#160;</div>an overall<div style="display:inline-block;width:2.92px">&#160;</div>after-tax impact of differences in allowances </div><div id="a2696" style="position:absolute;left:19.2px;top:181.4px;">under CECL vs the incurred loss methodology. </div><div id="a2700" style="position:absolute;left:19.2px;top:194.5px;">(d) In March 2020, a global pandemic was declared by the World<div style="display:inline-block;width:3.9px">&#160;</div>Health Organization related to<div style="display:inline-block;width:3.84px">&#160;</div>the rapidly growing outbreak of a novel strain<div style="display:inline-block;width:3.96px">&#160;</div>of coronavirus (COVID-19). </div><div id="a2705" style="position:absolute;left:19.2px;top:207.5px;">The pandemic significantly impacted the economic conditions in P.R.<div style="display:inline-block;width:5.04px">&#160;</div>and the U.S., creating significant uncertainties. 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style="position:absolute;left:19.2px;top:164.9px;">Loans<div style="display:inline-block;width:2.51px">&#160;</div></div><div id="a2846" style="position:absolute;font-size:8px;left:352.747px;top:168.1px;">(1) </div><div id="a2864" style="position:absolute;left:19.2px;top:179.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Non-PCD loans </div><div id="a2871" style="position:absolute;font-weight:bold;left:369.227px;top:179.9px;">$ </div><div id="a2873" style="position:absolute;font-weight:bold;left:406.507px;top:179.9px;">81,171 </div><div id="a2876" style="position:absolute;left:455.253px;top:179.9px;">$ </div><div id="a2878" style="position:absolute;left:492.613px;top:179.9px;">83,029 </div><div id="a2881" style="position:absolute;left:541.253px;top:179.9px;">$ </div><div id="a2883" style="position:absolute;left:578.613px;top:179.9px;">83,832 </div><div id="a2886" style="position:absolute;left:627.253px;top:179.9px;">$ </div><div id="a2888" style="position:absolute;left:664.613px;top:179.9px;">87,482 </div><div id="a2891" style="position:absolute;left:723.28px;top:179.9px;">$ </div><div id="a2893" style="position:absolute;left:760.64px;top:179.9px;">74,142 </div><div id="a2896" style="position:absolute;left:19.2px;top:194.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>PCD loans </div><div id="a2902" style="position:absolute;font-weight:bold;left:406.507px;top:194.9px;">29,250 </div><div id="a2906" style="position:absolute;left:492.613px;top:194.9px;">29,018 </div><div id="a2908" style="position:absolute;font-size:8px;left:529.093px;top:198.2px;">(c) </div><div id="a2911" style="position:absolute;left:578.613px;top:194.9px;">34,700 </div><div id="a2913" style="position:absolute;font-size:8px;left:615.093px;top:198.2px;">(c) </div><div id="a2916" style="position:absolute;left:664.613px;top:194.9px;">28,953 </div><div id="a2920" style="position:absolute;left:760.64px;top:194.9px;">10,762 </div><div id="a2923" style="position:absolute;left:19.2px;top:210.5px;"><div style="display:inline-block;width:26.48px">&#160;</div>Total interest<div style="display:inline-block;width:4.19px">&#160;</div>income from loans<div style="display:inline-block;width:2.83px">&#160;</div></div><div id="a2929" style="position:absolute;font-weight:bold;left:401.067px;top:210.5px;">110,421 </div><div id="a2933" style="position:absolute;left:487.173px;top:210.5px;">112,047 </div><div id="a2937" style="position:absolute;left:573.173px;top:210.5px;">118,532 </div><div id="a2941" style="position:absolute;left:659.173px;top:210.5px;">116,435 </div><div id="a2945" style="position:absolute;left:760.64px;top:210.5px;">84,904 </div><div id="a2948" style="position:absolute;left:19.2px;top:225.6px;">Investment securities </div><div id="a2953" style="position:absolute;font-weight:bold;left:411.867px;top:225.6px;">2,600 </div><div id="a2957" style="position:absolute;left:497.973px;top:225.6px;">2,890 </div><div id="a2961" style="position:absolute;left:583.973px;top:225.6px;">3,160 </div><div id="a2965" style="position:absolute;left:669.973px;top:225.6px;">7,262 </div><div id="a2969" style="position:absolute;left:766px;top:225.6px;">6,271 </div><div id="a2972" style="position:absolute;left:19.2px;top:241.3px;"><div style="display:inline-block;width:26.48px">&#160;</div>Total interest<div style="display:inline-block;width:4.19px">&#160;</div>income<div style="display:inline-block;width:2.55px">&#160;</div></div><div id="a2978" style="position:absolute;font-weight:bold;left:401.067px;top:241.3px;">113,021 </div><div id="a2982" style="position:absolute;left:487.173px;top:241.3px;">114,937 </div><div id="a2986" style="position:absolute;left:573.173px;top:241.3px;">121,692 </div><div id="a2990" style="position:absolute;left:659.173px;top:241.3px;">123,697 </div><div id="a2992" style="position:absolute;font-size:8px;left:705.893px;top:244.5px;">(g) </div><div id="a2995" style="position:absolute;left:760.64px;top:241.3px;">91,175 </div><div id="a2998" style="position:absolute;font-weight:bold;left:19.2px;top:256.9px;">Interest expense: </div><div id="a3017" style="position:absolute;left:19.2px;top:271.9px;">Deposits </div><div id="a3036" style="position:absolute;left:19.2px;top:286.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Core deposits </div><div id="a3042" style="position:absolute;font-weight:bold;left:406.507px;top:286.9px;">13,225 </div><div id="a3046" style="position:absolute;left:492.613px;top:286.9px;">13,808 </div><div id="a3050" style="position:absolute;left:578.613px;top:286.9px;">13,999 </div><div id="a3054" style="position:absolute;left:664.613px;top:286.9px;">15,034 </div><div id="a3058" style="position:absolute;left:766px;top:286.9px;">7,957 </div><div id="a3061" style="position:absolute;left:19.2px;top:301.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Brokered deposits </div><div id="a3067" style="position:absolute;font-weight:bold;left:420.027px;top:301.9px;">288 </div><div id="a3071" style="position:absolute;left:506.053px;top:301.9px;">812 </div><div id="a3075" style="position:absolute;left:583.973px;top:301.9px;">1,446 </div><div id="a3079" style="position:absolute;left:669.973px;top:301.9px;">1,586 </div><div id="a3083" style="position:absolute;left:766px;top:301.9px;">1,804 </div><div id="a3086" style="position:absolute;left:19.2px;top:317.6px;"><div style="display:inline-block;width:24px">&#160;</div>Total deposits </div><div id="a3092" style="position:absolute;font-weight:bold;left:406.507px;top:317.6px;">13,513 </div><div id="a3096" style="position:absolute;left:492.613px;top:317.6px;">14,620 </div><div id="a3100" style="position:absolute;left:578.613px;top:317.6px;">15,445 </div><div id="a3104" style="position:absolute;left:664.613px;top:317.6px;">16,620 </div><div id="a3106" style="position:absolute;font-size:8px;left:705.893px;top:320.9px;">(g) </div><div id="a3109" style="position:absolute;left:766px;top:317.6px;">9,761 </div><div id="a3112" style="position:absolute;left:19.2px;top:332.5px;">Borrowings </div><div id="a3117" style="position:absolute;font-weight:bold;left:420.027px;top:332.5px;">770 </div><div id="a3121" style="position:absolute;left:506.053px;top:332.5px;">784 </div><div id="a3125" style="position:absolute;left:583.973px;top:332.5px;">1,187 </div><div id="a3129" style="position:absolute;left:669.973px;top:332.5px;">1,976 </div><div id="a3133" style="position:absolute;left:766px;top:332.5px;">2,205 </div><div id="a3136" style="position:absolute;left:19.2px;top:348.2px;"><div style="display:inline-block;width:24px">&#160;</div>Total interest<div style="display:inline-block;width:4.27px">&#160;</div>expense </div><div id="a3142" style="position:absolute;font-weight:bold;left:406.507px;top:348.2px;">14,283 </div><div id="a3146" style="position:absolute;left:492.613px;top:348.2px;">15,404 </div><div id="a3150" style="position:absolute;left:578.613px;top:348.2px;">16,632 </div><div id="a3154" style="position:absolute;left:664.613px;top:348.2px;">18,596 </div><div id="a3158" style="position:absolute;left:760.64px;top:348.2px;">11,966 </div><div id="a3161" style="position:absolute;left:19.2px;top:363.9px;">Net interest income </div><div id="a3166" style="position:absolute;font-weight:bold;left:406.507px;top:363.9px;">98,738 </div><div id="a3170" style="position:absolute;left:492.613px;top:363.9px;">99,533 </div><div id="a3174" style="position:absolute;left:573.173px;top:363.9px;">105,060 </div><div id="a3178" style="position:absolute;left:659.173px;top:363.9px;">105,101 </div><div id="a3182" style="position:absolute;left:760.64px;top:363.9px;">79,209 </div><div id="a3185" style="position:absolute;left:19.2px;top:378.9px;">Provision for credit losses, excluding PCD<div style="display:inline-block;width:3.83px">&#160;</div>loans </div><div id="a3187" style="position:absolute;font-size:8px;left:352.747px;top:382.2px;">(1) </div><div id="a3191" style="position:absolute;font-weight:bold;left:406.507px;top:378.9px;">15,464 </div><div id="a3195" style="position:absolute;left:492.613px;top:378.9px;">13,845 </div><div id="a3199" style="position:absolute;left:578.613px;top:378.9px;">15,227 </div><div id="a3203" style="position:absolute;left:664.613px;top:378.9px;">40,951 </div><div id="a3207" style="position:absolute;left:760.64px;top:378.9px;">18,859 </div><div id="a3210" style="position:absolute;left:19.2px;top:393.9px;">(Recapture) provision for credit losses<div style="display:inline-block;width:3.82px">&#160;</div>on PCD loans </div><div id="a3212" style="position:absolute;font-size:8px;left:351.867px;top:397.2px;"><div style="display:inline-block;width:1.84px">&#160;</div>(1)<div style="display:inline-block;width:1.81px">&#160;</div></div><div id="a3217" style="position:absolute;font-weight:bold;left:408.187px;top:393.9px;">(1,288) </div><div id="a3221" style="position:absolute;left:502.533px;top:393.9px;">(176) </div><div id="a3225" style="position:absolute;left:583.973px;top:393.9px;">2,469 </div><div id="a3229" style="position:absolute;left:669.973px;top:393.9px;">6,180 </div><div id="a3233" style="position:absolute;left:766px;top:393.9px;">4,209 </div><div id="a3236" style="position:absolute;left:19.2px;top:409.6px;"><div style="display:inline-block;width:24px">&#160;</div>Total provision<div style="display:inline-block;width:3.91px">&#160;</div>for credit losses </div><div id="a3242" style="position:absolute;font-weight:bold;left:406.507px;top:409.6px;">14,176 </div><div id="a3246" style="position:absolute;left:492.613px;top:409.6px;">13,669 </div><div id="a3248" style="position:absolute;font-size:8px;left:528.853px;top:412.9px;">(e) </div><div id="a3251" style="position:absolute;left:578.613px;top:409.6px;">17,696 </div><div id="a3253" style="position:absolute;font-size:8px;left:614.853px;top:412.9px;">(e) </div><div id="a3256" style="position:absolute;left:664.613px;top:409.6px;">47,131 </div><div id="a3258" style="position:absolute;font-size:8px;left:701.493px;top:412.9px;">(e)(g) </div><div id="a3261" style="position:absolute;left:760.64px;top:409.6px;">23,068 </div><div id="a3264" style="position:absolute;left:19.2px;top:426.2px;"><div style="display:inline-block;width:26.48px">&#160;</div>Net interest income after provision<div style="display:inline-block;width:3.8px">&#160;</div>for loan and lease losses<div style="display:inline-block;width:2.98px">&#160;</div></div><div id="a3270" style="position:absolute;font-weight:bold;left:406.507px;top:426.2px;">84,562 </div><div id="a3274" style="position:absolute;left:492.613px;top:426.2px;">85,864 </div><div id="a3278" style="position:absolute;left:578.613px;top:426.2px;">87,364 </div><div id="a3282" style="position:absolute;left:664.613px;top:426.2px;">57,970 </div><div id="a3286" style="position:absolute;left:760.64px;top:426.2px;">56,141 </div><div id="a3289" style="position:absolute;font-weight:bold;left:19.2px;top:441.9px;">Non-interest income: </div><div id="a3310" style="position:absolute;left:19.2px;top:456.9px;">Banking service revenues </div><div id="a3315" style="position:absolute;font-weight:bold;left:406.507px;top:456.9px;">16,901 </div><div id="a3319" style="position:absolute;left:492.613px;top:456.9px;">16,297 </div><div id="a3323" style="position:absolute;left:578.613px;top:456.9px;">13,668 </div><div id="a3327" style="position:absolute;left:664.613px;top:456.9px;">15,713 </div><div id="a3331" style="position:absolute;left:760.64px;top:456.9px;">10,812 </div><div id="a3334" style="position:absolute;left:19.2px;top:471.9px;">Wealth management revenues </div><div id="a3339" style="position:absolute;font-weight:bold;left:406.507px;top:471.9px;">10,865 </div><div id="a3341" style="position:absolute;font-size:8px;font-weight:bold;left:442.773px;top:475.2px;">(a) </div><div id="a3344" style="position:absolute;left:497.973px;top:471.9px;">7,272 </div><div id="a3348" style="position:absolute;left:583.973px;top:471.9px;">6,366 </div><div id="a3352" style="position:absolute;left:669.973px;top:471.9px;">7,286 </div><div id="a3356" style="position:absolute;left:766px;top:471.9px;">7,062 </div><div id="a3359" style="position:absolute;left:19.2px;top:486.9px;">Mortgage banking activities </div><div id="a3364" style="position:absolute;font-weight:bold;left:411.867px;top:486.9px;">6,281 </div><div id="a3366" style="position:absolute;font-size:8px;font-weight:bold;left:442.613px;top:490.2px;">(b) </div><div id="a3369" style="position:absolute;left:497.973px;top:486.9px;">3,917 </div><div id="a3373" style="position:absolute;left:583.973px;top:486.9px;">3,072 </div><div id="a3377" style="position:absolute;left:669.973px;top:486.9px;">3,234 </div><div id="a3381" style="position:absolute;left:766px;top:486.9px;">1,322 </div><div id="a3384" style="position:absolute;left:19.2px;top:502.5px;"><div style="display:inline-block;width:24px">&#160;</div>Total banking<div style="display:inline-block;width:3.74px">&#160;</div>and financial service revenues </div><div id="a3390" style="position:absolute;font-weight:bold;left:406.507px;top:502.5px;">34,047 </div><div id="a3394" style="position:absolute;left:492.613px;top:502.5px;">27,486 </div><div id="a3398" style="position:absolute;left:578.613px;top:502.5px;">23,106 </div><div id="a3402" style="position:absolute;left:664.613px;top:502.5px;">26,233 </div><div id="a3404" style="position:absolute;font-size:8px;left:705.893px;top:505.8px;">(g) </div><div id="a3407" style="position:absolute;left:760.64px;top:502.5px;">19,196 </div><div id="a3410" style="position:absolute;left:19.2px;top:517.6px;">Bargain purchase from Scotiabank PR &amp; USVI acquisition </div><div id="a3415" style="position:absolute;font-weight:bold;left:433.013px;top:517.6px;">- </div><div id="a3419" style="position:absolute;left:497.973px;top:517.6px;">3,465 </div><div id="a3421" style="position:absolute;font-size:8px;left:527.813px;top:520.9px;"><div style="display:inline-block;width:1.84px">&#160;</div>(d)<div style="display:inline-block;width:1.75px">&#160;</div></div><div id="a3425" style="position:absolute;left:583.973px;top:517.6px;">3,462 </div><div id="a3427" style="position:absolute;font-size:8px;left:613.813px;top:520.9px;"><div style="display:inline-block;width:1.84px">&#160;</div>(d)<div style="display:inline-block;width:1.75px">&#160;</div></div><div id="a3431" style="position:absolute;left:678.053px;top:517.6px;">409 </div><div id="a3435" style="position:absolute;left:774.08px;top:517.6px;">315 </div><div id="a3438" style="position:absolute;left:19.2px;top:532.5px;">Other income, net </div><div id="a3443" style="position:absolute;font-weight:bold;left:420.027px;top:532.5px;">377 </div><div id="a3447" style="position:absolute;left:506.053px;top:532.5px;">375 </div><div id="a3451" style="position:absolute;left:592.053px;top:532.5px;">584 </div><div id="a3455" style="position:absolute;left:669.973px;top:532.5px;">4,808 </div><div id="a3457" style="position:absolute;font-size:8px;left:705.733px;top:535.8px;">(h) </div><div id="a3460" style="position:absolute;left:774.08px;top:532.5px;">200 </div><div id="a3463" style="position:absolute;left:19.2px;top:548.2px;"><div style="display:inline-block;width:26.48px">&#160;</div>Total non-interest<div style="display:inline-block;width:4.14px">&#160;</div>income, net<div style="display:inline-block;width:2.7px">&#160;</div></div><div id="a3471" style="position:absolute;font-weight:bold;left:406.507px;top:548.2px;">34,424 </div><div id="a3475" style="position:absolute;left:492.613px;top:548.2px;">31,326 </div><div id="a3479" style="position:absolute;left:578.613px;top:548.2px;">27,152 </div><div id="a3483" style="position:absolute;left:664.613px;top:548.2px;">31,450 </div><div id="a3487" style="position:absolute;left:760.64px;top:548.2px;">19,711 </div><div id="a3490" style="position:absolute;font-weight:bold;left:19.2px;top:563.9px;">Non-interest expense: </div><div id="a3511" style="position:absolute;left:19.2px;top:579px;">Compensation and employee benefits </div><div id="a3516" style="position:absolute;font-weight:bold;left:406.507px;top:579px;">30,921 </div><div id="a3520" style="position:absolute;left:492.613px;top:579px;">31,955 </div><div id="a3524" style="position:absolute;left:578.613px;top:579px;">34,506 </div><div id="a3528" style="position:absolute;left:664.613px;top:579px;">35,544 </div><div id="a3532" style="position:absolute;left:760.64px;top:579px;">21,817 </div><div id="a3535" style="position:absolute;left:19.2px;top:593.9px;">Occupancy, equipment and infrastructure<div 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style="position:absolute;left:760.64px;top:609px;">25,451 </div><div id="a3583" style="position:absolute;left:19.2px;top:639px;">Net (gain) loss on sale of foreclosed real estate<div style="display:inline-block;width:4.01px">&#160;</div>and other repossessed assets </div><div id="a3588" style="position:absolute;font-weight:bold;left:416.347px;top:639px;">(300) </div><div id="a3592" style="position:absolute;left:502.533px;top:639px;">(866) </div><div id="a3596" style="position:absolute;left:592.053px;top:639px;">316 </div><div id="a3600" style="position:absolute;left:674.533px;top:639px;">(193) </div><div id="a3604" style="position:absolute;left:774.08px;top:639px;">541 </div><div id="a3607" style="position:absolute;left:19.2px;top:653.9px;">Credit related expenses </div><div id="a3612" style="position:absolute;font-weight:bold;left:411.867px;top:653.9px;">1,304 </div><div id="a3616" style="position:absolute;left:497.973px;top:653.9px;">2,189 </div><div id="a3620" style="position:absolute;left:583.973px;top:653.9px;">2,602 </div><div id="a3624" style="position:absolute;left:669.973px;top:653.9px;">2,715 </div><div id="a3628" style="position:absolute;left:766px;top:653.9px;">2,118 </div><div id="a3631" style="position:absolute;left:19.2px;top:669px;">Merger and restructuring charges </div><div id="a3636" style="position:absolute;font-weight:bold;left:406.507px;top:669px;">10,092 </div><div id="a3638" style="position:absolute;font-size:8px;font-weight:bold;left:442.853px;top:672.2px;">(g) </div><div id="a3641" style="position:absolute;left:497.973px;top:669px;">2,681 </div><div id="a3643" style="position:absolute;font-size:8px;left:528.933px;top:672.2px;">(g) </div><div id="a3646" style="position:absolute;left:583.973px;top:669px;">3,006 </div><div id="a3648" style="position:absolute;font-size:8px;left:614.933px;top:672.2px;">(g) </div><div id="a3651" style="position:absolute;left:678.053px;top:669px;">304 </div><div id="a3655" 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style="position:absolute;left:492.613px;top:715.3px;">33,746 </div><div id="a3727" style="position:absolute;left:578.613px;top:715.3px;">29,035 </div><div id="a3731" style="position:absolute;left:669.973px;top:715.3px;">2,098 </div><div id="a3735" style="position:absolute;left:762.56px;top:715.3px;">(3,061) </div><div id="a3738" style="position:absolute;left:19.2px;top:730.2px;">Income tax expense (benefit) </div><div id="a3743" style="position:absolute;font-weight:bold;left:411.867px;top:730.2px;">6,646 </div><div id="a3747" style="position:absolute;left:497.973px;top:730.2px;">6,308 </div><div id="a3751" style="position:absolute;left:583.973px;top:730.2px;">7,248 </div><div id="a3755" style="position:absolute;left:678.053px;top:730.2px;">297 </div><div id="a3759" style="position:absolute;left:762.56px;top:730.2px;">(2,070) </div><div id="a3762" style="position:absolute;font-weight:bold;left:19.2px;top:745.9px;">Net income (loss) </div><div id="a3767" style="position:absolute;font-weight:bold;left:406.507px;top:745.9px;">23,301 </div><div id="a3771" style="position:absolute;left:492.613px;top:745.9px;">27,438 </div><div id="a3775" style="position:absolute;left:578.613px;top:745.9px;">21,787 </div><div id="a3779" style="position:absolute;left:669.973px;top:745.9px;">1,801 </div><div id="a3783" style="position:absolute;left:770.56px;top:745.9px;">(991) </div><div id="a3786" style="position:absolute;left:19.2px;top:761px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>dividends on preferred stock </div><div id="a3791" style="position:absolute;font-weight:bold;left:408.187px;top:761px;">(1,628) </div><div id="a3795" style="position:absolute;left:494.533px;top:761px;">(1,628) </div><div id="a3799" style="position:absolute;left:580.533px;top:761px;">(1,628) </div><div id="a3803" style="position:absolute;left:666.533px;top:761px;">(1,628) </div><div id="a3807" style="position:absolute;left:762.56px;top:761px;">(1,628) 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style="position:absolute;left:19.2px;top:807.6px;">(a) During 4Q 2020, the Company recognized annual insurance<div style="display:inline-block;width:3.92px">&#160;</div>contingent commissions amounting to $4.0 million. </div><div id="a3859" style="position:absolute;left:19.2px;top:820.6px;">(b) During 4Q 2020, mortgage banking activities reflected higher gains<div style="display:inline-block;width:3.95px">&#160;</div>on sale of loans and securitizations, and higher servicing fees compared to<div style="display:inline-block;width:3.9px">&#160;</div>3Q 2020. </div><div id="a3863" style="position:absolute;left:19.2px;top:833.6px;">(c) During 2Q 2020 and 3Q 2020, the Company recognized interest<div style="display:inline-block;width:4.2px">&#160;</div>recoveries on SOP loans acquired in the Scotiabank PR &amp; USVI<div style="display:inline-block;width:3.88px">&#160;</div>acquisition collected subsequently to the acquisition </div><div id="a3866" 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<div id="a3895" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a3897" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a3899" style="position:absolute;left:19.2px;top:64.2px;">(g) On December 31, 2019, the Company acquired Scotiabank&apos;s Puerto Rico and<div style="display:inline-block;width:3.77px">&#160;</div>USVI operations, incurring in merger and restructuring<div style="display:inline-block;width:3.94px">&#160;</div>charges of $21.5 million during 4Q 2019, $3.0 </div><div id="a3902" style="position:absolute;left:19.2px;top:77.2px;">million during 2Q 2020, $2.7 million during 3Q 2020, and $10.1 million during 4Q 2020. At December<div style="display:inline-block;width:3.78px">&#160;</div>31, 2019, the consolidated statement of financial<div style="display:inline-block;width:3.85px">&#160;</div>condition contemplated the </div><div id="a3905" style="position:absolute;left:19.2px;top:90.3px;">effects of the Scotiabank PR &amp; USVI acquisition. Nevertheless,<div style="display:inline-block;width:3.74px">&#160;</div>the consolidated statement of<div style="display:inline-block;width:3.74px">&#160;</div>operations did not contemplate the effects<div style="display:inline-block;width:4.13px">&#160;</div>of the Scotiabank PR &amp; USVI acquisition until </div><div id="a3907" style="position:absolute;left:19.2px;top:103.3px;">January 1, 2020. </div><div id="a3909" style="position:absolute;left:19.2px;top:116.3px;">(h) During 1Q 2020, 2Q 2019 and 3Q 2019, the Company sold $316 million, $350 million and $322 million available<div style="display:inline-block;width:1.74px">&#160;</div>-for-sale mortgage-backed securities, respectively,<div style="display:inline-block;width:4.77px">&#160;</div>and recognized a </div><div id="a3917" style="position:absolute;left:19.2px;top:129.3px;">gain in the sale of $4.7 million, $4.8 million and $3.5 million. </div><div id="a3937" style="position:absolute;left:411.467px;top:155.3px;">4 </div><div id="a3939" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:168.4px;"><div style="display:inline-block;width:3.68px">&#160;</div></div></div>
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related expenses </div><div id="a4403" style="position:absolute;font-weight:bold;left:622.853px;top:637.9px;">8,810 </div><div id="a4407" style="position:absolute;left:753.92px;top:637.9px;">9,072 </div><div id="a4410" style="position:absolute;left:19.2px;top:653px;">Merger and restructuring charges </div><div id="a4415" style="position:absolute;font-weight:bold;left:617.493px;top:653px;">16,083 </div><div id="a4417" style="position:absolute;font-size:8px;font-weight:bold;left:660.693px;top:656.2px;">(e) </div><div id="a4420" style="position:absolute;left:748.56px;top:653px;">24,054 </div><div id="a4423" style="position:absolute;left:19.2px;top:667.9px;">COVID 19 expenses </div><div id="a4428" style="position:absolute;font-weight:bold;left:622.853px;top:667.9px;">5,795 </div><div id="a4430" style="position:absolute;font-size:8px;font-weight:bold;left:660.533px;top:671.2px;">(d) </div><div id="a4433" style="position:absolute;left:774.96px;top:667.9px;">- </div><div id="a4436" 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style="position:absolute;font-weight:bold;left:617.493px;top:761.6px;">67,815 </div><div id="a4509" style="position:absolute;left:680.213px;top:761.6px;">$ </div><div id="a4511" style="position:absolute;left:748.56px;top:761.6px;">47,329 </div><div id="a4523" style="position:absolute;left:19.2px;top:789.6px;">(a) During 2Q 2020 and 3Q 2020, the Company recognized interest<div style="display:inline-block;width:4.25px">&#160;</div>recoveries on SOP loans acquired in the Scotiabank PR &amp; USVI<div style="display:inline-block;width:3.8px">&#160;</div>acquisition collected subsequently to the acquisition </div><div id="a4525" style="position:absolute;left:19.2px;top:802.6px;">date amounting to $6.0 million and $469 thousand, respectively. </div><div id="a4529" style="position:absolute;left:19.2px;top:815.7px;">(b) During 2Q 2020, the Company increased the Bargain purchase<div style="display:inline-block;width:3.85px">&#160;</div>from Scotiabank PR &amp; USVI acquisition by $3.5 million to 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<div id="a4568" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a4570" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a4572" style="position:absolute;left:19.2px;top:64.2px;">(f) During 1Q 2020, 2Q 2019 and 3Q 2019, the Company sold $316 million, $350 million and $322 million available<div style="display:inline-block;width:1.61px">&#160;</div>-for-sale mortgage-backed securities, respectively,<div style="display:inline-block;width:4.69px">&#160;</div>and recognized a </div><div id="a4580" style="position:absolute;left:19.2px;top:77.2px;">gain in the sale of $4.7 million, $4.8 million and $3.5 million. </div><div id="a4582" style="position:absolute;left:19.2px;top:92.3px;">(g) During 3Q 2019, the Company received $2.4 million proceeds from<div style="display:inline-block;width:3.83px">&#160;</div>the sale of fully charged-off originated auto and consumer<div style="display:inline-block;width:3.78px">&#160;</div>loans. </div><div id="a4587" style="position:absolute;left:19.2px;top:105.2px;">(h) During 3Q 2019, the Company decided to sell mostly non-performing<div style="display:inline-block;width:3.82px">&#160;</div>loans, increasing the provision by $37.2 million. Originated loans<div style="display:inline-block;width:3.76px">&#160;</div>that were transferred to<div style="display:inline-block;width:3.76px">&#160;</div>held-for-sale </div><div id="a4594" style="position:absolute;left:19.2px;top:118.3px;">amounted to $25.3 million at September 30, 2019, the remaining were<div style="display:inline-block;width:3.97px">&#160;</div>purchased credit impaired loans. Loans were sold during 4Q 2019, with<div style="display:inline-block;width:3.76px">&#160;</div>an additional increase in the provision </div><div id="a4597" style="position:absolute;left:19.2px;top:131.3px;">of $6.6 million. </div><div id="a4599" style="position:absolute;left:19.2px;top:144.3px;">(i) During 2Q 2019, the Company decided to sell mostly non-performing<div style="display:inline-block;width:3.77px">&#160;</div>mortgage loans increasing the provision by $8.8 million.<div style="display:inline-block;width:3.74px">&#160;</div>Most of these loans were sold in 3Q 2019, increasing </div><div id="a4603" style="position:absolute;left:19.2px;top:157.4px;">the provision by an additional $1.8 million. </div><div id="a4614" style="position:absolute;left:412.507px;top:187.4px;">5 </div><div id="a4616" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:200.4px;"><div style="display:inline-block;width:3.68px">&#160;</div></div></div>
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style="position:absolute;font-weight:bold;left:384.747px;top:131.2px;">2,155,577 </div><div id="a4690" style="position:absolute;left:452.533px;top:131.2px;">$ </div><div id="a4692" style="position:absolute;left:476.933px;top:131.2px;">2,283,050 </div><div id="a4694" style="position:absolute;font-size:8px;left:529.253px;top:132.5px;">(b) </div><div id="a4696" style="position:absolute;left:544.453px;top:131.2px;">$ </div><div id="a4698" style="position:absolute;left:563.813px;top:131.2px;">1,900,037 </div><div id="a4700" style="position:absolute;font-size:8px;left:616.213px;top:132.5px;">(b) </div><div id="a4702" style="position:absolute;left:631.413px;top:131.2px;">$ </div><div id="a4704" style="position:absolute;left:652.773px;top:131.2px;">1,325,941 </div><div id="a4707" style="position:absolute;left:720.32px;top:131.2px;">$ </div><div id="a4709" style="position:absolute;left:749.76px;top:131.2px;">852,757 </div><div id="a4711" style="position:absolute;font-weight:bold;left:19.2px;top:146.2px;">Investments: </div><div id="a4729" style="position:absolute;left:19.2px;top:161.2px;">Trading securities </div><div id="a4735" style="position:absolute;font-weight:bold;left:417.307px;top:161.2px;">22 </div><div id="a4739" style="position:absolute;left:509.333px;top:161.2px;">22 </div><div id="a4743" style="position:absolute;left:596.213px;top:161.2px;">22 </div><div id="a4747" style="position:absolute;left:685.173px;top:161.2px;">29 </div><div id="a4751" style="position:absolute;left:774.08px;top:161.2px;">37 </div><div id="a4753" style="position:absolute;left:19.2px;top:176.9px;">Investment securities available-for<div style="display:inline-block;width:1.41px">&#160;</div>-sale, at fair value,<div style="display:inline-block;width:2.98px">&#160;</div></div><div id="a4775" style="position:absolute;left:19.2px;top:191.9px;"><div style="display:inline-block;width:4.8px">&#160;</div>with amortized cost of $432,175 ( September 30, 2020 - $412,899;<div style="display:inline-block;width:3.78px">&#160;</div></div><div id="a4798" style="position:absolute;left:19.2px;top:206.9px;"><div style="display:inline-block;width:4.8px">&#160;</div>June 30, 2020 - $529,985; March 31, 2020 - $648,565;<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a4823" style="position:absolute;left:19.2px;top:221.9px;"><div style="display:inline-block;width:4.8px">&#160;</div>December 31, 2019 - $1,074,474; no allowance for credit </div><div id="a4845" style="position:absolute;left:19.2px;top:236.9px;"><div style="display:inline-block;width:4.8px">&#160;</div>losses for any period) </div><div id="a4864" style="position:absolute;left:19.2px;top:251.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Mortgage-backed securities </div><div id="a4872" style="position:absolute;font-weight:bold;left:392.907px;top:251.9px;">432,935 </div><div id="a4876" style="position:absolute;left:485.013px;top:251.9px;">329,719 </div><div id="a4880" style="position:absolute;left:571.893px;top:251.9px;">340,192 </div><div id="a4884" style="position:absolute;left:660.853px;top:251.9px;">355,637 </div><div id="a4888" style="position:absolute;left:749.76px;top:251.9px;">673,886 </div><div id="a4890" style="position:absolute;left:19.2px;top:266.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>US treasury notes </div><div id="a4896" style="position:absolute;font-weight:bold;left:398.347px;top:266.9px;">10,983 </div><div id="a4900" style="position:absolute;left:490.453px;top:266.9px;">91,531 </div><div id="a4904" style="position:absolute;left:571.893px;top:266.9px;">197,340 </div><div id="a4908" style="position:absolute;left:660.853px;top:266.9px;">298,986 </div><div id="a4912" style="position:absolute;left:749.76px;top:266.9px;">397,183 </div><div id="a4914" style="position:absolute;left:19.2px;top:281.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Other investment securities </div><div id="a4920" style="position:absolute;font-weight:bold;left:403.707px;top:281.9px;">2,520 </div><div id="a4924" style="position:absolute;left:495.813px;top:281.9px;">2,565 </div><div id="a4928" style="position:absolute;left:582.693px;top:281.9px;">2,707 </div><div id="a4932" style="position:absolute;left:671.653px;top:281.9px;">2,837 </div><div id="a4936" style="position:absolute;left:760.56px;top:281.9px;">3,100 </div><div id="a4938" style="position:absolute;left:19.2px;top:299.9px;"><div style="display:inline-block;width:24px">&#160;</div>Total investment<div style="display:inline-block;width:4.23px">&#160;</div>securities available-for-sale </div><div id="a4948" style="position:absolute;font-weight:bold;left:392.907px;top:299.9px;">446,438 </div><div id="a4952" style="position:absolute;left:485.013px;top:299.9px;">423,815 </div><div id="a4956" style="position:absolute;left:571.893px;top:299.9px;">540,239 </div><div id="a4960" style="position:absolute;left:660.853px;top:299.9px;">657,460 </div><div id="a4963" style="position:absolute;font-size:8px;left:705.093px;top:305.4px;">(d)<div style="display:inline-block;width:1.83px">&#160;</div></div><div id="a4966" style="position:absolute;left:741.68px;top:299.9px;">1,074,169 </div><div id="a4968" style="position:absolute;left:19.2px;top:314.9px;">Federal Home Loan Bank (FHLB) stock, at cost </div><div id="a4973" style="position:absolute;font-weight:bold;left:403.707px;top:314.9px;">8,278 </div><div id="a4977" style="position:absolute;left:495.813px;top:314.9px;">8,322 </div><div id="a4981" style="position:absolute;left:582.693px;top:314.9px;">8,366 </div><div id="a4985" style="position:absolute;left:666.293px;top:314.9px;">10,301 </div><div id="a4989" style="position:absolute;left:755.2px;top:314.9px;">13,048 </div><div id="a4991" style="position:absolute;left:19.2px;top:329.9px;">Other investments </div><div id="a4996" style="position:absolute;font-weight:bold;left:403.707px;top:329.9px;">3,962 </div><div id="a5000" style="position:absolute;left:495.813px;top:329.9px;">2,205 </div><div id="a5004" style="position:absolute;left:582.693px;top:329.9px;">1,076 </div><div id="a5008" style="position:absolute;left:679.733px;top:329.9px;">973 </div><div id="a5012" style="position:absolute;left:768.64px;top:329.9px;">560 </div><div id="a5014" style="position:absolute;left:19.2px;top:344.9px;"><div style="display:inline-block;width:24px">&#160;</div>Total investments<div style="display:inline-block;width:4.3px">&#160;</div></div><div id="a5020" style="position:absolute;font-weight:bold;left:392.907px;top:344.9px;">458,700 </div><div id="a5024" style="position:absolute;left:485.013px;top:344.9px;">434,364 </div><div id="a5028" style="position:absolute;left:571.893px;top:344.9px;">549,703 </div><div id="a5032" style="position:absolute;left:660.853px;top:344.9px;">668,763 </div><div id="a5036" style="position:absolute;left:741.68px;top:344.9px;">1,087,814 </div><div id="a5038" style="position:absolute;font-weight:bold;left:19.2px;top:364.9px;">Loans, net </div><div id="a5043" style="position:absolute;font-weight:bold;left:384.747px;top:364.9px;">6,501,259 </div><div id="a5046" style="position:absolute;font-size:8px;left:437.333px;top:368.4px;">(b)<div style="display:inline-block;width:1.83px">&#160;</div></div><div id="a5049" style="position:absolute;left:476.933px;top:364.9px;">6,579,140 </div><div id="a5052" style="position:absolute;font-size:8px;left:529.253px;top:368.4px;">(b)<div style="display:inline-block;width:1.83px">&#160;</div></div><div id="a5055" style="position:absolute;left:563.813px;top:364.9px;">6,739,243 </div><div id="a5058" style="position:absolute;font-size:8px;left:616.213px;top:368.4px;">(b)<div style="display:inline-block;width:1.83px">&#160;</div></div><div id="a5061" style="position:absolute;left:652.773px;top:364.9px;">6,541,174 </div><div id="a5063" style="position:absolute;font-size:8px;left:704.613px;top:363.4px;"><div style="display:inline-block;width:1.84px">&#160;</div>(c)<div style="display:inline-block;width:1.77px">&#160;</div></div><div id="a5067" style="position:absolute;left:741.68px;top:364.9px;">6,641,847 </div><div id="a5069" style="position:absolute;font-weight:bold;left:19.2px;top:379.9px;">Other assets: </div><div id="a5087" style="position:absolute;left:19.2px;top:394.9px;">Prepaid expenses </div><div id="a5093" style="position:absolute;font-weight:bold;left:398.347px;top:394.9px;">61,416 </div><div id="a5097" style="position:absolute;left:490.453px;top:394.9px;">54,583 </div><div id="a5101" style="position:absolute;left:577.333px;top:394.9px;">40,119 </div><div id="a5105" style="position:absolute;left:666.293px;top:394.9px;">44,633 </div><div id="a5109" style="position:absolute;left:755.2px;top:394.9px;">52,648 </div><div id="a5111" style="position:absolute;left:19.2px;top:409.9px;">Deferred tax asset, net </div><div id="a5116" style="position:absolute;font-weight:bold;left:392.907px;top:409.9px;">162,478 </div><div id="a5120" style="position:absolute;left:485.013px;top:409.9px;">178,957 </div><div id="a5124" style="position:absolute;left:571.893px;top:409.9px;">186,730 </div><div id="a5128" style="position:absolute;left:660.853px;top:409.9px;">196,129 </div><div id="a5130" style="position:absolute;font-size:8px;left:705.493px;top:410.6px;">(c) </div><div id="a5133" style="position:absolute;left:749.76px;top:409.9px;">176,740 </div><div id="a5135" style="position:absolute;left:19.2px;top:424.9px;">Foreclosed real estate and repossessed<div style="display:inline-block;width:3.81px">&#160;</div>properties </div><div id="a5140" style="position:absolute;font-weight:bold;left:398.347px;top:424.9px;">13,412 </div><div id="a5144" style="position:absolute;left:490.453px;top:424.9px;">21,374 </div><div id="a5148" style="position:absolute;left:577.333px;top:424.9px;">26,152 </div><div id="a5152" style="position:absolute;left:666.293px;top:424.9px;">30,388 </div><div id="a5156" style="position:absolute;left:755.2px;top:424.9px;">33,236 </div><div id="a5158" style="position:absolute;left:19.2px;top:439.9px;">Premises and equipment, net </div><div id="a5163" style="position:absolute;font-weight:bold;left:398.347px;top:439.9px;">83,786 </div><div id="a5167" style="position:absolute;left:490.453px;top:439.9px;">83,270 </div><div id="a5171" style="position:absolute;left:577.333px;top:439.9px;">82,234 </div><div id="a5175" style="position:absolute;left:666.293px;top:439.9px;">81,834 </div><div id="a5179" style="position:absolute;left:755.2px;top:439.9px;">81,105 </div><div id="a5181" style="position:absolute;left:19.2px;top:454.9px;">Goodwill </div><div id="a5186" style="position:absolute;font-weight:bold;left:398.347px;top:454.9px;">86,069 </div><div id="a5190" style="position:absolute;left:490.453px;top:454.9px;">86,069 </div><div id="a5194" style="position:absolute;left:577.333px;top:454.9px;">86,069 </div><div id="a5198" style="position:absolute;left:666.293px;top:454.9px;">86,069 </div><div id="a5202" style="position:absolute;left:755.2px;top:454.9px;">86,069 </div><div id="a5204" style="position:absolute;left:19.2px;top:469.9px;">Right of use assets </div><div id="a5209" style="position:absolute;font-weight:bold;left:398.347px;top:469.9px;">31,383 </div><div id="a5213" style="position:absolute;left:490.453px;top:469.9px;">35,900 </div><div id="a5217" style="position:absolute;left:577.333px;top:469.9px;">34,692 </div><div id="a5221" style="position:absolute;left:666.293px;top:469.9px;">36,844 </div><div id="a5225" style="position:absolute;left:755.2px;top:469.9px;">39,112 </div><div id="a5227" style="position:absolute;left:19.2px;top:484.9px;">Core deposit, customer relationship intangible<div 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style="position:absolute;left:755.2px;top:499.9px;">50,779 </div><div id="a5273" style="position:absolute;left:19.2px;top:517.9px;">Accounts receivable and other assets </div><div id="a5278" style="position:absolute;font-weight:bold;left:392.907px;top:517.9px;">178,740 </div><div id="a5282" style="position:absolute;left:485.013px;top:517.9px;">166,392 </div><div id="a5286" style="position:absolute;left:571.893px;top:517.9px;">188,408 </div><div id="a5288" style="position:absolute;font-size:8px;left:615.493px;top:517px;"><div style="display:inline-block;width:1.84px">&#160;</div>(a)<div style="display:inline-block;width:1.8px">&#160;</div></div><div id="a5292" style="position:absolute;left:660.853px;top:517.9px;">123,335 </div><div id="a5296" style="position:absolute;left:749.76px;top:517.9px;">138,589 </div><div id="a5298" style="position:absolute;font-weight:bold;left:19.2px;top:533.9px;">Total assets </div><div id="a5302" style="position:absolute;font-weight:bold;left:361.547px;top:533.9px;">$ </div><div id="a5304" style="position:absolute;font-weight:bold;left:384.747px;top:533.9px;">9,826,011 </div><div id="a5307" style="position:absolute;left:452.533px;top:533.9px;">$ </div><div id="a5309" style="position:absolute;left:471.573px;top:533.9px;">10,018,991 </div><div id="a5312" style="position:absolute;left:544.453px;top:533.9px;">$ </div><div id="a5314" style="position:absolute;left:563.813px;top:533.9px;">9,932,719 </div><div id="a5317" style="position:absolute;left:631.413px;top:533.9px;">$ </div><div id="a5319" style="position:absolute;left:652.773px;top:533.9px;">9,238,571 </div><div id="a5322" style="position:absolute;left:720.32px;top:533.9px;">$ </div><div id="a5324" style="position:absolute;left:741.68px;top:533.9px;">9,297,661 </div><div id="a5343" style="position:absolute;font-weight:bold;left:19.2px;top:565px;">Deposits: </div><div id="a5361" style="position:absolute;left:19.2px;top:583.9px;">Demand deposits </div><div id="a5365" style="position:absolute;font-weight:bold;left:361.547px;top:583.9px;">$ </div><div id="a5367" style="position:absolute;font-weight:bold;left:384.747px;top:583.9px;">4,613,309 </div><div id="a5370" style="position:absolute;left:452.533px;top:583.9px;">$ </div><div id="a5372" style="position:absolute;left:476.933px;top:583.9px;">4,682,991 </div><div id="a5375" style="position:absolute;font-size:8px;left:529.253px;top:587.7px;">(b)<div style="display:inline-block;width:1.83px">&#160;</div></div><div id="a5377" style="position:absolute;left:544.453px;top:583.9px;">$ </div><div id="a5379" style="position:absolute;left:563.813px;top:583.9px;">4,370,419 </div><div id="a5382" style="position:absolute;font-size:8px;left:616.213px;top:587.7px;">(b)<div style="display:inline-block;width:1.83px">&#160;</div></div><div id="a5384" style="position:absolute;left:631.413px;top:583.9px;">$ </div><div id="a5386" style="position:absolute;left:652.773px;top:583.9px;">3,711,492 </div><div id="a5389" style="position:absolute;left:720.32px;top:583.9px;">$ </div><div id="a5391" style="position:absolute;left:741.68px;top:583.9px;">3,579,115 </div><div id="a5393" style="position:absolute;left:19.2px;top:599px;">Savings accounts </div><div id="a5398" style="position:absolute;font-weight:bold;left:384.747px;top:599px;">1,920,325 </div><div id="a5402" style="position:absolute;left:476.933px;top:599px;">1,919,859 </div><div id="a5406" style="position:absolute;left:563.813px;top:599px;">1,978,118 </div><div id="a5410" style="position:absolute;left:652.773px;top:599px;">1,829,054 </div><div id="a5414" style="position:absolute;left:741.68px;top:599px;">1,815,044 </div><div id="a5416" style="position:absolute;left:19.2px;top:613.9px;">Time deposits </div><div id="a5421" style="position:absolute;font-weight:bold;left:384.747px;top:613.9px;">1,832,891 </div><div id="a5425" style="position:absolute;left:476.933px;top:613.9px;">1,933,517 </div><div id="a5429" style="position:absolute;left:563.813px;top:613.9px;">1,975,223 </div><div id="a5433" style="position:absolute;left:652.773px;top:613.9px;">2,023,211 </div><div id="a5437" style="position:absolute;left:741.68px;top:613.9px;">2,060,953 </div><div id="a5439" style="position:absolute;left:19.2px;top:629px;">Brokered deposits </div><div id="a5444" style="position:absolute;font-weight:bold;left:398.347px;top:629px;">49,115 </div><div id="a5448" style="position:absolute;left:490.453px;top:629px;">96,090 </div><div id="a5452" style="position:absolute;left:571.893px;top:629px;">218,166 </div><div id="a5456" style="position:absolute;left:660.853px;top:629px;">255,514 </div><div id="a5460" style="position:absolute;left:749.76px;top:629px;">243,498 </div><div id="a5462" style="position:absolute;left:19.2px;top:649.9px;"><div style="display:inline-block;width:24px">&#160;</div>Total deposits </div><div id="a5468" style="position:absolute;font-weight:bold;left:384.747px;top:649.9px;">8,415,640 </div><div id="a5472" style="position:absolute;left:476.933px;top:649.9px;">8,632,457 </div><div id="a5476" style="position:absolute;left:563.813px;top:649.9px;">8,541,926 </div><div id="a5480" style="position:absolute;left:652.773px;top:649.9px;">7,819,271 </div><div id="a5484" style="position:absolute;left:741.68px;top:649.9px;">7,698,610 </div><div id="a5486" style="position:absolute;font-weight:bold;left:19.2px;top:665px;">Borrowings: </div><div id="a5504" style="position:absolute;left:19.2px;top:679.9px;">Securities sold under agreements to repurchase </div><div id="a5510" style="position:absolute;font-weight:bold;left:424.827px;top:679.9px;">- </div><div id="a5514" style="position:absolute;left:516.853px;top:679.9px;">- </div><div id="a5518" style="position:absolute;left:603.733px;top:679.9px;">- </div><div id="a5522" style="position:absolute;left:666.293px;top:679.9px;">50,103 </div><div id="a5526" style="position:absolute;left:749.76px;top:679.9px;">190,274 </div><div id="a5528" style="position:absolute;left:19.2px;top:695px;">Advances from FHLB and other borrowings </div><div id="a5533" style="position:absolute;font-weight:bold;left:398.347px;top:695px;">66,268 </div><div id="a5537" style="position:absolute;left:490.453px;top:695px;">66,781 </div><div id="a5541" style="position:absolute;left:577.333px;top:695px;">68,340 </div><div id="a5545" style="position:absolute;left:666.293px;top:695px;">77,601 </div><div id="a5549" style="position:absolute;left:755.2px;top:695px;">79,204 </div><div id="a5551" style="position:absolute;left:19.2px;top:709.9px;">Subordinated capital notes </div><div id="a5556" style="position:absolute;font-weight:bold;left:398.347px;top:709.9px;">36,083 </div><div id="a5560" style="position:absolute;left:490.453px;top:709.9px;">36,083 </div><div id="a5564" style="position:absolute;left:577.333px;top:709.9px;">36,083 </div><div id="a5568" style="position:absolute;left:666.293px;top:709.9px;">36,083 </div><div id="a5572" style="position:absolute;left:755.2px;top:709.9px;">36,083 </div><div id="a5574" style="position:absolute;left:19.2px;top:725px;"><div style="display:inline-block;width:24px">&#160;</div>Total borrowings </div><div id="a5580" style="position:absolute;font-weight:bold;left:392.907px;top:725px;">102,351 </div><div id="a5584" style="position:absolute;left:485.013px;top:725px;">102,864 </div><div id="a5588" style="position:absolute;left:571.893px;top:725px;">104,423 </div><div id="a5592" style="position:absolute;left:660.853px;top:725px;">163,787 </div><div id="a5596" style="position:absolute;left:749.76px;top:725px;">305,561 </div><div id="a5598" style="position:absolute;font-weight:bold;left:19.2px;top:739.9px;">Other liabilities: </div><div id="a5616" style="position:absolute;left:19.2px;top:755px;">Derivative liabilities </div><div id="a5621" style="position:absolute;font-weight:bold;left:403.707px;top:755px;">1,712 </div><div id="a5625" style="position:absolute;left:495.813px;top:755px;">1,895 </div><div id="a5629" style="position:absolute;left:582.693px;top:755px;">2,078 </div><div id="a5633" style="position:absolute;left:671.653px;top:755px;">2,059 </div><div id="a5637" style="position:absolute;left:768.64px;top:755px;">913 </div><div id="a5639" style="position:absolute;left:19.2px;top:769.9px;">Acceptances outstanding </div><div id="a5644" style="position:absolute;font-weight:bold;left:398.347px;top:769.9px;">33,349 </div><div id="a5648" style="position:absolute;left:490.453px;top:769.9px;">18,291 </div><div id="a5652" style="position:absolute;left:577.333px;top:769.9px;">20,034 </div><div id="a5656" style="position:absolute;left:666.293px;top:769.9px;">11,763 </div><div id="a5660" style="position:absolute;left:755.2px;top:769.9px;">21,599 </div><div id="a5662" style="position:absolute;left:19.2px;top:785px;">Lease liability </div><div id="a5667" style="position:absolute;font-weight:bold;left:398.347px;top:785px;">32,566 </div><div id="a5671" style="position:absolute;left:490.453px;top:785px;">37,029 </div><div id="a5675" style="position:absolute;left:577.333px;top:785px;">35,694 </div><div id="a5679" style="position:absolute;left:666.293px;top:785px;">37,702 </div><div id="a5683" style="position:absolute;left:755.2px;top:785px;">39,840 </div><div id="a5685" style="position:absolute;left:19.2px;top:799.9px;">Accrued expenses and other liabilities </div><div id="a5690" style="position:absolute;font-weight:bold;left:392.907px;top:799.9px;">154,418 </div><div id="a5694" style="position:absolute;left:485.013px;top:799.9px;">162,133 </div><div id="a5698" style="position:absolute;left:571.893px;top:799.9px;">187,280 </div><div id="a5702" style="position:absolute;left:660.853px;top:799.9px;">181,395 </div><div id="a5706" style="position:absolute;left:749.76px;top:799.9px;">185,660 </div><div id="a5708" style="position:absolute;font-weight:bold;left:19.2px;top:815px;"><div style="display:inline-block;width:24px">&#160;</div>Total liabilities </div><div id="a5714" style="position:absolute;font-weight:bold;left:384.747px;top:815px;">8,740,036 </div><div id="a5718" style="position:absolute;left:476.933px;top:815px;">8,954,669 </div><div id="a5722" style="position:absolute;left:563.813px;top:815px;">8,891,435 </div><div id="a5726" style="position:absolute;left:652.773px;top:815px;">8,215,977 </div><div id="a5730" style="position:absolute;left:741.68px;top:815px;">8,252,183 </div><div id="a5732" style="position:absolute;font-weight:bold;left:19.2px;top:829.9px;">Stockholders&apos; equity: </div><div id="a5750" style="position:absolute;left:19.2px;top:845px;">Preferred stock </div><div id="a5756" style="position:absolute;font-weight:bold;left:398.347px;top:845px;">92,000 </div><div id="a5760" style="position:absolute;left:490.453px;top:845px;">92,000 </div><div id="a5764" style="position:absolute;left:577.333px;top:845px;">92,000 </div><div id="a5768" style="position:absolute;left:666.293px;top:845px;">92,000 </div><div id="a5772" style="position:absolute;left:755.2px;top:845px;">92,000 </div><div id="a5774" style="position:absolute;left:19.2px;top:859.9px;">Common stock </div><div id="a5779" style="position:absolute;font-weight:bold;left:398.347px;top:859.9px;">59,885 </div><div id="a5783" style="position:absolute;left:490.453px;top:859.9px;">59,885 </div><div id="a5787" style="position:absolute;left:577.333px;top:859.9px;">59,885 </div><div id="a5791" style="position:absolute;left:666.293px;top:859.9px;">59,885 </div><div id="a5795" style="position:absolute;left:755.2px;top:859.9px;">59,885 </div><div id="a5797" style="position:absolute;left:19.2px;top:875px;">Additional paid-in capital </div><div id="a5804" style="position:absolute;font-weight:bold;left:392.907px;top:875px;">622,652 </div><div id="a5808" style="position:absolute;left:485.013px;top:875px;">621,978 </div><div id="a5812" style="position:absolute;left:571.893px;top:875px;">621,860 </div><div id="a5816" style="position:absolute;left:660.853px;top:875px;">621,206 </div><div id="a5820" style="position:absolute;left:749.76px;top:875px;">621,515 </div><div id="a5822" style="position:absolute;left:19.2px;top:889.9px;">Legal surplus<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a5827" style="position:absolute;font-weight:bold;left:392.907px;top:889.9px;">103,269 </div><div id="a5831" style="position:absolute;left:485.013px;top:889.9px;">101,233 </div><div id="a5835" style="position:absolute;left:577.333px;top:889.9px;">98,347 </div><div id="a5839" style="position:absolute;left:666.293px;top:889.9px;">95,945 </div><div id="a5843" style="position:absolute;left:755.2px;top:889.9px;">95,779 </div><div id="a5845" style="position:absolute;left:19.2px;top:905px;">Retained earnings<div style="display:inline-block;width:5.39px">&#160;</div></div><div id="a5850" style="position:absolute;font-weight:bold;left:392.907px;top:905px;">300,096 </div><div id="a5854" style="position:absolute;left:485.013px;top:905px;">284,053 </div><div id="a5858" style="position:absolute;left:571.893px;top:905px;">264,725 </div><div id="a5862" style="position:absolute;left:660.853px;top:905px;">250,557 </div><div id="a5864" style="position:absolute;font-size:8px;left:705.493px;top:905.6px;">(c) </div><div id="a5867" style="position:absolute;left:749.76px;top:905px;">279,646 </div><div id="a5869" style="position:absolute;left:19.2px;top:919.9px;">Treasury stock, at cost </div><div id="a5874" style="position:absolute;font-weight:bold;left:389.307px;top:919.9px;">(102,949) </div><div id="a5878" style="position:absolute;left:481.493px;top:919.9px;">(103,095) </div><div id="a5882" style="position:absolute;left:568.453px;top:919.9px;">(103,121) </div><div id="a5886" style="position:absolute;left:657.413px;top:919.9px;">(103,289) </div><div id="a5890" style="position:absolute;left:746.32px;top:919.9px;">(102,339) </div><div id="a5892" style="position:absolute;left:19.2px;top:935px;">Accumulated other comprehensive (loss) income, net </div><div id="a5897" style="position:absolute;font-weight:bold;left:398.347px;top:935px;">11,022 </div><div id="a5901" style="position:absolute;left:495.813px;top:935px;">8,268 </div><div id="a5905" style="position:absolute;left:582.693px;top:935px;">7,588 </div><div id="a5909" style="position:absolute;left:671.653px;top:935px;">6,290 </div><div id="a5913" style="position:absolute;left:757.2px;top:935px;">(1,008) </div><div id="a5915" style="position:absolute;font-weight:bold;left:19.2px;top:949.9px;"><div style="display:inline-block;width:24px">&#160;</div>Total stockholders&apos;<div style="display:inline-block;width:4px">&#160;</div>equity </div><div id="a5921" style="position:absolute;font-weight:bold;left:384.747px;top:949.9px;">1,085,975 </div><div id="a5925" style="position:absolute;left:476.933px;top:949.9px;">1,064,322 </div><div id="a5929" style="position:absolute;left:563.813px;top:949.9px;">1,041,284 </div><div id="a5933" style="position:absolute;left:652.773px;top:949.9px;">1,022,594 </div><div id="a5937" style="position:absolute;left:741.68px;top:949.9px;">1,045,478 </div><div id="a5939" style="position:absolute;font-weight:bold;left:19.2px;top:965.9px;"><div style="display:inline-block;width:24px">&#160;</div>Total liabilities and stockholders&apos;<div style="display:inline-block;width:4.18px">&#160;</div>equity<div style="display:inline-block;width:2.52px">&#160;</div></div><div id="a5944" style="position:absolute;font-weight:bold;left:361.547px;top:965.9px;">$ </div><div id="a5946" style="position:absolute;font-weight:bold;left:384.747px;top:965.9px;">9,826,011 </div><div id="a5949" style="position:absolute;left:452.533px;top:965.9px;">$ </div><div id="a5951" style="position:absolute;left:471.573px;top:965.9px;">10,018,991 </div><div id="a5954" style="position:absolute;left:544.453px;top:965.9px;">$ </div><div id="a5956" style="position:absolute;left:563.813px;top:965.9px;">9,932,719 </div><div id="a5959" style="position:absolute;left:631.413px;top:965.9px;">$ </div><div id="a5961" style="position:absolute;left:652.773px;top:965.9px;">9,238,571 </div><div id="a5964" style="position:absolute;left:720.32px;top:965.9px;">$ </div><div id="a5966" style="position:absolute;left:741.68px;top:965.9px;">9,297,661 </div></div>
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<div id="a5968" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a5970" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a5989" style="position:absolute;left:19.2px;top:77.2px;">(a) In March 2020, a global pandemic was declared by the World<div style="display:inline-block;width:3.92px">&#160;</div>Health Organization related to<div style="display:inline-block;width:3.84px">&#160;</div>the rapidly growing outbreak of a novel strain<div style="display:inline-block;width:3.88px">&#160;</div>of coronavirus (COVID-19). The </div><div id="a5994" style="position:absolute;left:19.2px;top:90.3px;">pandemic significantly impacted the economic conditions in P.R.<div style="display:inline-block;width:4.96px">&#160;</div>and the U.S., creating significant uncertainties. After<div style="display:inline-block;width:3.84px">&#160;</div>recent disruptions in economic conditions caused by </div><div id="a5996" style="position:absolute;left:19.2px;top:103.2px;">COVID-19, the Company has offered<div style="display:inline-block;width:3.74px">&#160;</div>several deferral programs<div style="display:inline-block;width:3.96px">&#160;</div>for the payment of principal and interest<div style="display:inline-block;width:3.82px">&#160;</div>for auto, personal, credit cards<div style="display:inline-block;width:3.74px">&#160;</div>and mortgage, and commercial loans, for </div><div id="a6000" style="position:absolute;left:19.2px;top:116.3px;">customers whose payments were not over<div style="display:inline-block;width:3.89px">&#160;</div>89 days past due at March 12, 2020 and requested<div style="display:inline-block;width:4.03px">&#160;</div>to be included in these programs, which contributed to<div style="display:inline-block;width:3.92px">&#160;</div>the increase of accrued </div><div id="a6004" style="position:absolute;left:19.2px;top:129.3px;">interest receivable from 1Q 2020 to<div style="display:inline-block;width:3.85px">&#160;</div>2Q 2020 of approximately $40 million.<div style="display:inline-block;width:3.45px">&#160;</div></div><div id="a6006" style="position:absolute;left:19.2px;top:142.3px;">(b) In response to the Coronavirus (COVID-19) pandemic,<div style="display:inline-block;width:3.78px">&#160;</div>CARES Act created funding for the Small Business Administration<div style="display:inline-block;width:4.31px">&#160;</div>(SBA) Paycheck Protection Program<div style="display:inline-block;width:4.04px">&#160;</div>(PPP), which </div><div id="a6011" style="position:absolute;left:19.2px;top:155.4px;">provides loans to small businesses to keep their employees<div style="display:inline-block;width:3.95px">&#160;</div>on payroll and make other eligible payments.<div style="display:inline-block;width:3.96px">&#160;</div>The original funding for the PPP was fully allocated by mid-April<div style="display:inline-block;width:3.86px">&#160;</div>2020, </div><div id="a6015" style="position:absolute;left:19.2px;top:168.3px;">with additional funding made available on April 24, 2020 under the Paycheck<div style="display:inline-block;width:4.06px">&#160;</div>Protection Program and Health Care Enhancement<div style="display:inline-block;width:3.99px">&#160;</div>Act. 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These funds have been disbursed into the </div><div id="a6024" style="position:absolute;left:19.2px;top:207.5px;">customers&apos; deposit accounts and, along with other government<div style="display:inline-block;width:3.88px">&#160;</div>stimulus and relief during the pandemic, they have increased<div style="display:inline-block;width:3.88px">&#160;</div>the Company&apos;s cash and core deposits. </div><div id="a6028" style="position:absolute;left:19.2px;top:220.5px;">(c) On January 1, 2020, the Company implemented ASU No. 2016-13: Measurement<div style="display:inline-block;width:3.83px">&#160;</div>of Credit Losses on Financial Instruments &quot;(CECL)&quot; using the modified retrospective </div><div id="a6032" style="position:absolute;left:19.2px;top:233.5px;">approach. As a result, a $39.2 million allowance for credit<div style="display:inline-block;width:3.84px">&#160;</div>losses was recorded for Non-PCD loans and $0.2 million for<div style="display:inline-block;width:3.85px">&#160;</div>unused commitments with the corresponding adjustment </div><div id="a6036" style="position:absolute;left:19.2px;top:246.5px;">reducing retained earnings, net of a $13.9 million deferred<div style="display:inline-block;width:3.91px">&#160;</div>tax effect. 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<div style="position:absolute; width:78px; height:13px; left:447.3px; top:170.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:90px; height:13px; left:333.2px; top:170.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:790.1px; height:22px; left:19.2px; top:328.2px; background-color:#DBEEF4;">&#160;</div>
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style="position:absolute;left:562.293px;top:130.7px;">June 30, </div><div id="a6143" style="position:absolute;left:652.293px;top:130.7px;">March 31, </div><div id="a6146" style="position:absolute;left:739.92px;top:130.7px;">December 31, </div><div id="a6148" style="position:absolute;font-weight:bold;left:19.2px;top:145.2px;">(Dollars in thousands) (unaudited) </div><div id="a6152" style="position:absolute;font-weight:bold;left:369.867px;top:146.7px;">2020 </div><div id="a6155" style="position:absolute;left:475.413px;top:146.7px;">2020 </div><div id="a6158" style="position:absolute;left:569.413px;top:146.7px;">2020 </div><div id="a6161" style="position:absolute;left:663.413px;top:146.7px;">2020 </div><div id="a6164" style="position:absolute;left:759.44px;top:146.7px;">2019 </div><div id="a6166" style="position:absolute;font-weight:bold;left:19.2px;top:170.1px;">Non-PCD: </div><div id="a6170" style="position:absolute;font-size:8px;left:321.787px;top:167.3px;">(1) </div><div id="a6187" style="position:absolute;left:19.2px;top:185.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Mortgage </div><div id="a6192" style="position:absolute;font-weight:bold;left:338.187px;top:185.1px;">$ </div><div id="a6194" style="position:absolute;font-weight:bold;left:384.987px;top:185.1px;">823,443 </div><div id="a6197" style="position:absolute;left:447.253px;top:185.1px;">$ </div><div id="a6199" style="position:absolute;left:487.173px;top:185.1px;">847,671 </div><div id="a6202" style="position:absolute;left:541.253px;top:185.1px;">$ </div><div id="a6204" style="position:absolute;left:581.173px;top:185.1px;">874,286 </div><div id="a6207" style="position:absolute;left:635.253px;top:185.1px;">$ </div><div id="a6209" style="position:absolute;left:675.173px;top:185.1px;">887,950 </div><div id="a6212" style="position:absolute;left:731.28px;top:185.1px;">$ </div><div id="a6214" style="position:absolute;left:771.2px;top:185.1px;">898,118 </div><div id="a6216" style="position:absolute;left:19.2px;top:200.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Commercial </div><div id="a6222" style="position:absolute;font-weight:bold;left:376.827px;top:200.1px;">1,836,137 </div><div id="a6226" style="position:absolute;left:479.093px;top:200.1px;">1,785,022 </div><div id="a6230" style="position:absolute;left:573.093px;top:200.1px;">1,918,424 </div><div id="a6234" style="position:absolute;left:667.093px;top:200.1px;">1,910,192 </div><div id="a6238" style="position:absolute;left:763.12px;top:200.1px;">1,862,484 </div><div id="a6240" style="position:absolute;left:19.2px;top:223.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Commercial Paycheck Protection Program<div style="display:inline-block;width:4.25px">&#160;</div>(PPP Loans) </div><div id="a6247" style="position:absolute;font-weight:bold;left:384.987px;top:223.1px;">282,713 </div><div id="a6249" style="position:absolute;font-size:8px;font-weight:bold;left:423.227px;top:226.4px;">(b) </div><div id="a6252" style="position:absolute;left:487.173px;top:223.1px;">289,218 </div><div id="a6254" style="position:absolute;font-size:8px;left:525.253px;top:226.4px;">(b) </div><div id="a6257" style="position:absolute;left:581.173px;top:223.1px;">278,059 </div><div id="a6259" style="position:absolute;font-size:8px;left:619.253px;top:226.4px;">(b) </div><div id="a6262" style="position:absolute;left:707.013px;top:223.1px;">- </div><div id="a6266" style="position:absolute;left:803.04px;top:223.1px;">- </div><div id="a6268" style="position:absolute;left:19.2px;top:238.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Consumer </div><div id="a6274" style="position:absolute;font-weight:bold;left:384.987px;top:238.1px;">413,552 </div><div id="a6278" style="position:absolute;left:487.173px;top:238.1px;">434,546 </div><div id="a6282" style="position:absolute;left:581.173px;top:238.1px;">458,714 </div><div id="a6286" style="position:absolute;left:675.173px;top:238.1px;">481,710 </div><div id="a6290" style="position:absolute;left:771.2px;top:238.1px;">495,244 </div><div id="a6292" style="position:absolute;left:19.2px;top:253.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Auto </div><div id="a6298" style="position:absolute;font-weight:bold;left:376.827px;top:253.1px;">1,534,269 </div><div id="a6302" style="position:absolute;left:479.093px;top:253.1px;">1,511,829 </div><div id="a6306" style="position:absolute;left:573.093px;top:253.1px;">1,454,987 </div><div id="a6310" style="position:absolute;left:667.093px;top:253.1px;">1,487,701 </div><div id="a6314" style="position:absolute;left:763.12px;top:253.1px;">1,479,612 </div><div id="a6320" style="position:absolute;font-weight:bold;left:376.827px;top:268.8px;">4,890,114 </div><div id="a6324" style="position:absolute;left:479.093px;top:268.8px;">4,868,286 </div><div id="a6328" style="position:absolute;left:573.093px;top:268.8px;">4,984,470 </div><div id="a6332" style="position:absolute;left:667.093px;top:268.8px;">4,767,553 </div><div id="a6336" style="position:absolute;left:763.12px;top:268.8px;">4,735,458 </div><div id="a6338" style="position:absolute;left:19.2px;top:283.8px;"><div style="display:inline-block;width:14.4px">&#160;</div>Less:<div style="display:inline-block;width:4.9px">&#160;</div>Allowance for credit losses </div><div id="a6344" style="position:absolute;font-weight:bold;left:381.387px;top:283.8px;">(161,015) </div><div id="a6348" style="position:absolute;left:483.653px;top:283.8px;">(156,409) </div><div id="a6352" style="position:absolute;left:577.653px;top:283.8px;">(151,507) </div><div id="a6356" style="position:absolute;left:671.653px;top:283.8px;">(149,961) </div><div id="a6358" style="position:absolute;font-size:8px;left:713.253px;top:287px;">(c) </div><div id="a6361" style="position:absolute;left:773.12px;top:283.8px;">(85,044) </div><div id="a6363" style="position:absolute;left:19.2px;top:299.4px;"><div style="display:inline-block;width:24px">&#160;</div>Total non- PCD loans<div style="display:inline-block;width:3.78px">&#160;</div>held for investment, net </div><div id="a6373" style="position:absolute;font-weight:bold;left:376.827px;top:299.4px;">4,729,099 </div><div id="a6377" style="position:absolute;left:479.093px;top:299.4px;">4,711,877 </div><div id="a6381" style="position:absolute;left:573.093px;top:299.4px;">4,832,963 </div><div id="a6385" style="position:absolute;left:667.093px;top:299.4px;">4,617,592 </div><div id="a6389" style="position:absolute;left:763.12px;top:299.4px;">4,650,414 </div><div id="a6408" style="position:absolute;font-weight:bold;left:19.2px;top:337.1px;">PCD: </div><div id="a6410" style="position:absolute;font-size:8px;left:321.787px;top:334.2px;">(1) </div><div id="a6427" style="position:absolute;left:19.2px;top:352.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Mortgage </div><div id="a6433" style="position:absolute;font-weight:bold;left:376.827px;top:352.1px;">1,459,932 </div><div id="a6437" style="position:absolute;left:479.093px;top:352.1px;">1,504,914 </div><div id="a6441" style="position:absolute;left:573.093px;top:352.1px;">1,541,637 </div><div id="a6445" style="position:absolute;left:667.093px;top:352.1px;">1,561,557 </div><div id="a6449" style="position:absolute;left:763.12px;top:352.1px;">1,591,112 </div><div id="a6451" style="position:absolute;left:19.2px;top:367.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Commercial </div><div id="a6457" style="position:absolute;font-weight:bold;left:384.987px;top:367.1px;">283,160 </div><div id="a6459" style="position:absolute;font-size:8px;font-weight:bold;left:423.227px;top:370.4px;">(a) </div><div id="a6462" style="position:absolute;left:487.173px;top:367.1px;">352,555 </div><div id="a6466" style="position:absolute;left:581.173px;top:367.1px;">386,046 </div><div id="a6470" style="position:absolute;left:675.173px;top:367.1px;">391,158 </div><div id="a6474" style="position:absolute;left:771.2px;top:367.1px;">359,601 </div><div id="a6476" style="position:absolute;left:19.2px;top:382.1px;"><div style="display:inline-block;width:14.4px">&#160;</div>Consumer </div><div id="a6482" style="position:absolute;font-weight:bold;left:395.787px;top:382.1px;">1,394 </div><div id="a6486" style="position:absolute;left:497.973px;top:382.1px;">2,336 </div><div id="a6490" style="position:absolute;left:591.973px;top:382.1px;">2,950 </div><div id="a6494" style="position:absolute;left:685.973px;top:382.1px;">3,350 </div><div id="a6498" style="position:absolute;left:782px;top:382.1px;">9,263 </div><div id="a6500" style="position:absolute;left:19.2px;top:397.1px;"><div 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style="position:absolute;left:19.2px;top:435.8px;"><div style="display:inline-block;width:14.4px">&#160;</div>Less:<div style="display:inline-block;width:4.9px">&#160;</div>Allowance for credit losses </div><div id="a6549" style="position:absolute;font-size:8px;left:321.787px;top:439px;">(1) </div><div id="a6553" style="position:absolute;font-weight:bold;left:386.827px;top:435.8px;">(43,794) </div><div id="a6555" style="position:absolute;font-size:8px;font-weight:bold;left:423.227px;top:439px;">(a) </div><div id="a6558" style="position:absolute;left:489.093px;top:435.8px;">(78,904) </div><div id="a6562" style="position:absolute;left:583.093px;top:435.8px;">(81,194) </div><div id="a6566" style="position:absolute;left:677.093px;top:435.8px;">(80,794) </div><div id="a6568" style="position:absolute;font-size:8px;left:713.253px;top:439px;">(c) </div><div id="a6571" style="position:absolute;left:773.12px;top:435.8px;">(31,495) </div><div id="a6573" style="position:absolute;left:19.2px;top:451.4px;"><div style="display:inline-block;width:24px">&#160;</div>Total PCD loans<div style="display:inline-block;width:3.75px">&#160;</div>held for investment, net </div><div id="a6579" style="position:absolute;font-weight:bold;left:376.827px;top:451.4px;">1,728,225 </div><div id="a6583" style="position:absolute;left:479.093px;top:451.4px;">1,812,737 </div><div id="a6587" style="position:absolute;left:573.093px;top:451.4px;">1,886,848 </div><div id="a6591" style="position:absolute;left:667.093px;top:451.4px;">1,917,737 </div><div id="a6595" style="position:absolute;left:763.12px;top:451.4px;">1,971,842 </div><div id="a6597" style="position:absolute;left:19.2px;top:467.1px;">Total loans held for<div style="display:inline-block;width:3.88px">&#160;</div>investment </div><div id="a6602" style="position:absolute;font-weight:bold;left:376.827px;top:467.1px;">6,457,324 </div><div id="a6606" style="position:absolute;left:479.093px;top:467.1px;">6,524,614 </div><div id="a6610" style="position:absolute;left:573.093px;top:467.1px;">6,719,811 </div><div id="a6614" style="position:absolute;left:667.093px;top:467.1px;">6,535,329 </div><div id="a6618" style="position:absolute;left:763.12px;top:467.1px;">6,622,256 </div><div id="a6620" style="position:absolute;font-weight:bold;left:19.2px;top:482.8px;">Mortgage loans held for sale </div><div id="a6625" style="position:absolute;font-weight:bold;left:390.427px;top:482.8px;">41,654 </div><div id="a6629" style="position:absolute;left:492.613px;top:482.8px;">54,526 </div><div id="a6633" style="position:absolute;left:586.613px;top:482.8px;">19,432 </div><div id="a6637" style="position:absolute;left:685.973px;top:482.8px;">5,845 </div><div id="a6641" style="position:absolute;left:776.64px;top:482.8px;">19,591 </div><div id="a6643" style="position:absolute;font-weight:bold;left:19.2px;top:497.8px;">Other loans held for sale </div><div id="a6648" style="position:absolute;font-weight:bold;left:395.787px;top:497.8px;">2,281 </div><div id="a6652" style="position:absolute;left:519.013px;top:497.8px;">- </div><div id="a6656" style="position:absolute;left:613.013px;top:497.8px;">- </div><div id="a6660" style="position:absolute;left:707.013px;top:497.8px;">- </div><div id="a6664" style="position:absolute;left:803.04px;top:497.8px;">- </div><div id="a6666" style="position:absolute;font-weight:bold;left:19.2px;top:514.5px;">Total loans, net </div><div id="a6670" style="position:absolute;font-weight:bold;left:338.187px;top:514.5px;">$ </div><div id="a6672" style="position:absolute;font-weight:bold;left:376.827px;top:514.5px;">6,501,259 </div><div id="a6675" style="position:absolute;left:447.253px;top:514.5px;">$ </div><div id="a6677" style="position:absolute;left:479.093px;top:514.5px;">6,579,140 </div><div id="a6680" style="position:absolute;left:541.253px;top:514.5px;">$ </div><div id="a6682" style="position:absolute;left:573.093px;top:514.5px;">6,739,243 </div><div id="a6685" style="position:absolute;left:635.253px;top:514.5px;">$ </div><div id="a6687" style="position:absolute;left:667.093px;top:514.5px;">6,541,174 </div><div id="a6690" style="position:absolute;left:731.28px;top:514.5px;">$ </div><div id="a6692" style="position:absolute;left:763.12px;top:514.5px;">6,641,847 </div><div id="a6711" style="position:absolute;font-weight:bold;left:19.2px;top:548.5px;">Loan Portfolio Summary: </div><div id="a6729" style="position:absolute;left:19.2px;top:563.4px;"><div style="display:inline-block;width:4.8px">&#160;</div>Loans held for investment: </div><div id="a6748" style="position:absolute;left:19.2px;top:578.5px;"><div style="display:inline-block;width:14.4px">&#160;</div>Mortgage </div><div id="a6753" style="position:absolute;font-weight:bold;left:338.187px;top:578.5px;">$ </div><div id="a6755" style="position:absolute;font-weight:bold;left:376.827px;top:578.5px;">2,283,375 </div><div id="a6758" style="position:absolute;left:447.253px;top:578.5px;">$ </div><div id="a6760" style="position:absolute;left:479.093px;top:578.5px;">2,352,585 </div><div id="a6763" style="position:absolute;left:541.253px;top:578.5px;">$ </div><div id="a6765" style="position:absolute;left:573.093px;top:578.5px;">2,415,923 </div><div id="a6768" style="position:absolute;left:635.253px;top:578.5px;">$ </div><div id="a6770" style="position:absolute;left:667.093px;top:578.5px;">2,449,507 </div><div id="a6773" style="position:absolute;left:731.28px;top:578.5px;">$ </div><div id="a6775" style="position:absolute;left:763.12px;top:578.5px;">2,489,230 </div><div id="a6777" style="position:absolute;left:19.2px;top:593.4px;"><div style="display:inline-block;width:14.4px">&#160;</div>Commercial </div><div id="a6783" style="position:absolute;font-weight:bold;left:376.827px;top:593.4px;">2,402,010 </div><div id="a6787" style="position:absolute;left:479.093px;top:593.4px;">2,426,795 </div><div id="a6791" style="position:absolute;left:573.093px;top:593.4px;">2,582,529 </div><div id="a6795" style="position:absolute;left:667.093px;top:593.4px;">2,301,350 </div><div id="a6799" style="position:absolute;left:763.12px;top:593.4px;">2,222,085 </div><div id="a6801" style="position:absolute;left:19.2px;top:608.5px;"><div style="display:inline-block;width:14.4px">&#160;</div>Consumer </div><div id="a6807" style="position:absolute;font-weight:bold;left:384.987px;top:608.5px;">414,946 </div><div id="a6811" style="position:absolute;left:487.173px;top:608.5px;">436,882 </div><div id="a6815" style="position:absolute;left:581.173px;top:608.5px;">461,664 </div><div id="a6819" style="position:absolute;left:675.173px;top:608.5px;">485,060 </div><div id="a6823" style="position:absolute;left:771.2px;top:608.5px;">504,507 </div><div id="a6825" style="position:absolute;left:19.2px;top:623.4px;"><div style="display:inline-block;width:14.4px">&#160;</div>Auto </div><div id="a6831" style="position:absolute;font-weight:bold;left:376.827px;top:623.4px;">1,561,802 </div><div id="a6835" style="position:absolute;left:479.093px;top:623.4px;">1,543,665 </div><div id="a6839" style="position:absolute;left:573.093px;top:623.4px;">1,492,396 </div><div id="a6843" style="position:absolute;left:667.093px;top:623.4px;">1,530,167 </div><div id="a6847" style="position:absolute;left:763.12px;top:623.4px;">1,522,973 </div><div id="a6853" style="position:absolute;font-weight:bold;left:376.827px;top:639.1px;">6,662,133 </div><div id="a6857" style="position:absolute;left:479.093px;top:639.1px;">6,759,927 </div><div id="a6861" style="position:absolute;left:573.093px;top:639.1px;">6,952,512 </div><div id="a6865" style="position:absolute;left:667.093px;top:639.1px;">6,766,084 </div><div id="a6869" style="position:absolute;left:763.12px;top:639.1px;">6,738,795 </div><div id="a6871" style="position:absolute;left:19.2px;top:654.2px;"><div style="display:inline-block;width:14.4px">&#160;</div>Less:<div style="display:inline-block;width:4.9px">&#160;</div>Allowance for credit losses </div><div id="a6877" style="position:absolute;font-weight:bold;left:381.387px;top:654.2px;">(204,809) </div><div id="a6881" style="position:absolute;left:483.653px;top:654.2px;">(235,313) </div><div id="a6885" style="position:absolute;left:577.653px;top:654.2px;">(232,701) </div><div id="a6889" style="position:absolute;left:671.653px;top:654.2px;">(230,755) </div><div id="a6891" style="position:absolute;font-size:8px;left:713.253px;top:657.4px;">(c) </div><div id="a6894" style="position:absolute;left:767.68px;top:654.2px;">(116,539) </div><div id="a6896" style="position:absolute;left:19.2px;top:669.8px;"><div style="display:inline-block;width:24px">&#160;</div>Total loans held<div style="display:inline-block;width:3.75px">&#160;</div>for investment, net </div><div id="a6903" style="position:absolute;font-weight:bold;left:376.827px;top:669.8px;">6,457,324 </div><div id="a6907" style="position:absolute;left:479.093px;top:669.8px;">6,524,614 </div><div id="a6911" style="position:absolute;left:573.093px;top:669.8px;">6,719,811 </div><div id="a6915" style="position:absolute;left:667.093px;top:669.8px;">6,535,329 </div><div id="a6919" style="position:absolute;left:763.12px;top:669.8px;">6,622,256 </div><div id="a6921" style="position:absolute;left:19.2px;top:684.8px;"><div style="display:inline-block;width:4.8px">&#160;</div>Mortgage loans held for sale </div><div id="a6927" style="position:absolute;font-weight:bold;left:390.427px;top:684.8px;">41,654 </div><div id="a6931" style="position:absolute;left:492.613px;top:684.8px;">54,526 </div><div id="a6935" style="position:absolute;left:586.613px;top:684.8px;">19,432 </div><div id="a6939" style="position:absolute;left:685.973px;top:684.8px;">5,845 </div><div id="a6943" style="position:absolute;left:776.64px;top:684.8px;">19,591 </div><div id="a6945" style="position:absolute;left:19.2px;top:699.8px;"><div style="display:inline-block;width:4.8px">&#160;</div>Other loans held for sale </div><div id="a6951" style="position:absolute;font-weight:bold;left:395.787px;top:699.8px;">2,281 </div><div id="a6955" style="position:absolute;left:519.013px;top:699.8px;">- </div><div id="a6959" style="position:absolute;left:613.013px;top:699.8px;">- </div><div id="a6963" style="position:absolute;left:707.013px;top:699.8px;">- </div><div id="a6967" style="position:absolute;left:803.04px;top:699.8px;">- </div><div id="a6969" style="position:absolute;font-weight:bold;left:19.2px;top:716.5px;">Total loans, net </div><div id="a6973" style="position:absolute;font-weight:bold;left:338.187px;top:716.5px;">$ </div><div id="a6975" style="position:absolute;font-weight:bold;left:376.827px;top:716.5px;">6,501,259 </div><div id="a6978" style="position:absolute;left:447.253px;top:716.5px;">$ </div><div id="a6980" style="position:absolute;left:479.093px;top:716.5px;">6,579,140 </div><div id="a6983" style="position:absolute;left:541.253px;top:716.5px;">$ </div><div id="a6985" style="position:absolute;left:573.093px;top:716.5px;">6,739,243 </div><div id="a6988" style="position:absolute;left:635.253px;top:716.5px;">$ </div><div id="a6990" style="position:absolute;left:667.093px;top:716.5px;">6,541,174 </div><div id="a6993" style="position:absolute;left:731.28px;top:716.5px;">$ </div><div id="a6995" style="position:absolute;left:763.12px;top:716.5px;">6,641,847 </div><div id="a7014" style="position:absolute;left:19.2px;top:748.5px;">(a) During 4Q 2020, commercial<div style="display:inline-block;width:2.98px">&#160;</div>charge-offs reflected $31.2 million from two<div style="display:inline-block;width:3.84px">&#160;</div>commercial non-performing PCD loans from the government<div 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As </div><div id="a7044" style="position:absolute;left:19.2px;top:852.6px;">a result, a $39.2 million allowance for credit losses was recorded<div style="display:inline-block;width:4.2px">&#160;</div>for Non-PCD loans and $0.2 million for unused commitments with<div style="display:inline-block;width:3.74px">&#160;</div>the corresponding adjustment reducing retained </div><div id="a7048" style="position:absolute;left:19.2px;top:865.7px;">earnings, net of a $13.9 million deferred tax effect.<div style="display:inline-block;width:4.14px">&#160;</div>For PCD loans, including BBVA and Eurobank<div style="display:inline-block;width:3.85px">&#160;</div>acquired book plus the recently acquired Scotiabank, the adjustment<div style="display:inline-block;width:3.92px">&#160;</div>amounting to </div><div id="a7051" style="position:absolute;left:19.2px;top:878.7px;">$50.5 million was made through the allowance and loan balances with no impact in<div style="display:inline-block;width:3.77px">&#160;</div>capital.<div style="display:inline-block;width:2.72px">&#160;</div></div><div id="a7070" style="position:absolute;left:411.467px;top:908.7px;">7 </div><div id="a7072" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:921.8px;"><div style="display:inline-block;width:3.68px">&#160;</div></div></div>
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<div id="a7074" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a7076" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a7078" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a7102" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.2px;">Table 4-2: Information on Loan </div><div id="a7105" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:97.4px;">Portfolio and Production </div><div id="a7132" style="position:absolute;font-weight:bold;left:401.707px;top:99.2px;">Quarter Ended </div><div id="a7135" style="position:absolute;font-weight:bold;left:705.173px;top:99.2px;">Year Ended </div><div id="a7140" style="position:absolute;font-weight:bold;left:235.547px;top:113.5px;">December 31, </div><div id="a7143" style="position:absolute;left:318.347px;top:113.5px;">September 30, </div><div id="a7146" style="position:absolute;left:416.267px;top:113.5px;">June 30, </div><div id="a7149" style="position:absolute;left:496.293px;top:113.5px;">March 31, </div><div id="a7152" style="position:absolute;left:571.893px;top:113.5px;">December 31, </div><div id="a7155" style="position:absolute;font-weight:bold;left:657.493px;top:113.5px;">December 31, </div><div id="a7158" style="position:absolute;left:741.92px;top:113.5px;">December 31, </div><div id="a7160" style="position:absolute;font-weight:bold;left:19.2px;top:126.7px;">(Dollars in thousands) (unaudited) </div><div id="a7165" style="position:absolute;font-weight:bold;left:259.467px;top:127.2px;">2020 </div><div id="a7169" style="position:absolute;left:343.387px;top:127.2px;">2020 </div><div id="a7173" style="position:absolute;left:427.387px;top:127.2px;">2020 </div><div id="a7177" style="position:absolute;left:511.413px;top:127.2px;">2020 </div><div id="a7181" style="position:absolute;left:595.413px;top:127.2px;">2019 </div><div id="a7185" style="position:absolute;font-weight:bold;left:681.413px;top:127.2px;">2020 </div><div id="a7189" style="position:absolute;left:765.44px;top:127.2px;">2019 </div><div id="a7191" style="position:absolute;font-weight:bold;left:19.2px;top:141.5px;">Loan production </div><div id="a7193" style="position:absolute;font-size:8px;left:211.547px;top:144.5px;">(13) </div><div id="a7216" style="position:absolute;left:19.2px;top:155.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Mortgage </div><div id="a7221" style="position:absolute;font-weight:bold;left:227.387px;top:155.2px;">$ </div><div id="a7223" style="position:absolute;font-weight:bold;left:272.507px;top:155.2px;">97,656 </div><div id="a7226" style="position:absolute;left:311.227px;top:155.2px;">$ </div><div id="a7228" style="position:absolute;left:356.587px;top:155.2px;">93,650 </div><div id="a7231" style="position:absolute;left:395.227px;top:155.2px;">$ </div><div id="a7233" style="position:absolute;left:440.613px;top:155.2px;">23,744 </div><div id="a7236" style="position:absolute;left:479.253px;top:155.2px;">$ </div><div id="a7238" style="position:absolute;left:524.613px;top:155.2px;">30,988 </div><div id="a7241" style="position:absolute;left:563.253px;top:155.2px;">$ </div><div id="a7243" style="position:absolute;left:608.613px;top:155.2px;">23,680 </div><div id="a7246" style="position:absolute;font-weight:bold;left:649.253px;top:155.2px;">$ </div><div id="a7248" style="position:absolute;font-weight:bold;left:689.093px;top:155.2px;">246,038 </div><div id="a7251" style="position:absolute;font-weight:bold;left:733.28px;top:155.2px;">$ </div><div id="a7253" style="position:absolute;left:778.64px;top:155.2px;">92,779 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style="position:absolute;font-weight:bold;left:298.987px;top:183.3px;">- </div><div id="a7297" style="position:absolute;left:356.587px;top:183.3px;">10,318 </div><div id="a7301" style="position:absolute;left:435.173px;top:183.3px;">286,420 </div><div id="a7305" style="position:absolute;font-weight:bold;left:551.013px;top:183.3px;">- </div><div id="a7309" style="position:absolute;font-weight:bold;left:635.013px;top:183.3px;">- </div><div id="a7313" style="position:absolute;font-weight:bold;left:689.093px;top:183.3px;">296,738 </div><div id="a7317" style="position:absolute;left:805.04px;top:183.3px;">- </div><div id="a7319" style="position:absolute;left:19.2px;top:197.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>US Loan Programs </div><div id="a7325" style="position:absolute;font-weight:bold;left:272.507px;top:197.3px;">49,221 </div><div id="a7329" style="position:absolute;left:356.587px;top:197.3px;">90,878 </div><div id="a7333" 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id="a7377" style="position:absolute;font-weight:bold;left:689.093px;top:211.3px;">102,954 </div><div id="a7381" style="position:absolute;left:773.2px;top:211.3px;">178,723 </div><div id="a7383" style="position:absolute;left:19.2px;top:225.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Auto </div><div id="a7389" style="position:absolute;font-weight:bold;left:267.067px;top:225.3px;">137,545 </div><div id="a7393" style="position:absolute;left:351.147px;top:225.3px;">155,880 </div><div id="a7397" style="position:absolute;left:440.613px;top:225.3px;">47,374 </div><div id="a7401" style="position:absolute;left:519.173px;top:225.3px;">109,344 </div><div id="a7405" style="position:absolute;left:603.173px;top:225.3px;">110,184 </div><div id="a7409" style="position:absolute;font-weight:bold;left:689.093px;top:225.3px;">450,143 </div><div id="a7413" style="position:absolute;left:773.2px;top:225.3px;">508,152 </div><div id="a7415" 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<div style="position:absolute; width:49.8px; height:1px; left:620px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1px; left:553.9px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.8px; height:1px; left:508.9px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.8px; height:1px; left:457.8px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.6px; height:1px; left:391.8px; top:299.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:64.7px; height:1px; left:878.4px; top:283.6px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:49.8px; height:1px; left:295.5px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1px; left:229.5px; top:283.6px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:49.8px; height:1px; left:944.4px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1px; left:878.4px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.8px; height:1px; left:833.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.8px; height:1px; left:782.2px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.6px; height:1px; left:716.2px; top:267.9px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:49.8px; height:1.3px; left:457.8px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.6px; height:1.3px; left:391.8px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.8px; height:1.3px; left:346.7px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.8px; height:1.3px; left:295.5px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1.3px; left:229.5px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:209.1px; height:1.3px; left:19.2px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:160.9px; height:1.3px; left:878.4px; top:114.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:160.9px; height:1.3px; left:716.2px; top:114.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:160.9px; height:1.3px; left:553.9px; top:114.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:160.9px; height:1.3px; left:391.8px; top:114.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:160.9px; height:1.3px; left:229.5px; top:114.2px; background-color:#000000;">&#160;</div>
<div id="a7480" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a7482" style="position:absolute;font-size:13.36px;left:19.2px;top:751.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a7484" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a7528" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.9px;">Table 5-1: Average<div style="display:inline-block;width:4.69px">&#160;</div>Balances, Net Interest Income and Net Interest Margin </div><div id="a7536" style="position:absolute;font-weight:bold;left:291.627px;top:101.2px;">2020 Q4 </div><div id="a7539" style="position:absolute;left:453.867px;top:101.2px;">2020 Q3 </div><div id="a7542" style="position:absolute;left:616.053px;top:101.2px;">2020 Q2 </div><div id="a7545" style="position:absolute;left:778.293px;top:101.2px;">2020 Q1 </div><div id="a7548" style="position:absolute;left:940.48px;top:101.2px;">2019 Q4 </div><div id="a7555" style="position:absolute;font-weight:bold;left:303.067px;top:117.5px;">Interest<div style="display:inline-block;width:3px">&#160;</div></div><div id="a7563" style="position:absolute;left:465.707px;top:117.5px;">Interest<div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a7571" style="position:absolute;left:627.893px;top:117.5px;">Interest<div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a7579" style="position:absolute;left:790.133px;top:117.5px;">Interest<div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a7587" style="position:absolute;left:952.32px;top:117.5px;">Interest<div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a7595" style="position:absolute;font-weight:bold;left:243.627px;top:132.5px;">Average </div><div id="a7598" 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id="a7915" style="position:absolute;left:868.133px;top:209.9px;">% </div><div id="a7919" style="position:absolute;left:904.933px;top:209.9px;">522,811 </div><div id="a7923" style="position:absolute;left:966.96px;top:209.9px;">2,587 </div><div id="a7926" style="position:absolute;left:1008.48px;top:209.9px;">1.98 </div><div id="a7928" style="position:absolute;left:1030.32px;top:209.9px;">% </div><div id="a7930" style="position:absolute;left:19.2px;top:224.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Loans held for investment </div><div id="a7933" style="position:absolute;font-size:8px;left:218.187px;top:228.2px;">(1) </div><div id="a7980" style="position:absolute;left:19.2px;top:239.9px;"><div style="display:inline-block;width:24px">&#160;</div>Non-PCD loans </div><div id="a7988" style="position:absolute;font-weight:bold;left:247.867px;top:239.9px;">4,863,902 </div><div id="a7992" style="position:absolute;font-weight:bold;left:312.667px;top:239.9px;">81,171 </div><div id="a7995" style="position:absolute;font-weight:bold;left:359.467px;top:239.9px;">6.64 </div><div id="a7997" style="position:absolute;font-weight:bold;left:381.467px;top:239.9px;">% </div><div id="a8001" style="position:absolute;left:410.187px;top:239.9px;">4,870,753 </div><div id="a8005" style="position:absolute;left:474.907px;top:239.9px;">83,029 </div><div id="a8008" style="position:absolute;left:521.867px;top:239.9px;">6.78 </div><div id="a8010" style="position:absolute;left:543.707px;top:239.9px;">% </div><div id="a8014" style="position:absolute;left:572.453px;top:239.9px;">4,857,281 </div><div id="a8018" style="position:absolute;left:637.173px;top:239.9px;">83,832 </div><div id="a8021" style="position:absolute;left:684.053px;top:239.9px;">6.94 </div><div id="a8023" style="position:absolute;left:705.893px;top:239.9px;">% </div><div id="a8027" style="position:absolute;left:734.613px;top:239.9px;">4,613,878 </div><div id="a8031" style="position:absolute;left:799.333px;top:239.9px;">87,482 </div><div id="a8034" style="position:absolute;left:846.293px;top:239.9px;">7.63 </div><div id="a8036" style="position:absolute;left:868.133px;top:239.9px;">% </div><div id="a8040" style="position:absolute;left:896.853px;top:239.9px;">3,888,442 </div><div id="a8044" style="position:absolute;left:961.6px;top:239.9px;">74,142 </div><div id="a8047" style="position:absolute;left:1008.48px;top:239.9px;">7.56 </div><div id="a8049" style="position:absolute;left:1030.32px;top:239.9px;">% </div><div id="a8051" style="position:absolute;left:19.2px;top:254.9px;"><div style="display:inline-block;width:24px">&#160;</div>PCD loans </div><div id="a8057" style="position:absolute;font-weight:bold;left:247.867px;top:254.9px;">1,844,382 </div><div id="a8061" style="position:absolute;font-weight:bold;left:312.667px;top:254.9px;">29,250 </div><div id="a8064" style="position:absolute;font-weight:bold;left:359.467px;top:254.9px;">6.34 </div><div id="a8066" style="position:absolute;font-weight:bold;left:381.467px;top:254.9px;">% </div><div id="a8070" style="position:absolute;left:410.187px;top:254.9px;">1,916,269 </div><div id="a8074" style="position:absolute;left:474.907px;top:254.9px;">29,018 </div><div id="a8077" style="position:absolute;left:521.867px;top:254.9px;">6.06 </div><div id="a8079" style="position:absolute;left:543.707px;top:254.9px;">% </div><div id="a8083" style="position:absolute;left:572.453px;top:254.9px;">1,983,369 </div><div id="a8087" style="position:absolute;left:637.173px;top:254.9px;">34,700 </div><div id="a8090" style="position:absolute;left:684.053px;top:254.9px;">7.00 </div><div id="a8092" style="position:absolute;left:705.893px;top:254.9px;">% </div><div id="a8096" style="position:absolute;left:734.613px;top:254.9px;">2,073,997 </div><div id="a8100" style="position:absolute;left:799.333px;top:254.9px;">28,953 </div><div id="a8103" style="position:absolute;left:846.293px;top:254.9px;">5.58 </div><div id="a8105" style="position:absolute;left:868.133px;top:254.9px;">% </div><div id="a8109" style="position:absolute;left:904.933px;top:254.9px;">611,629 </div><div id="a8113" style="position:absolute;left:961.6px;top:254.9px;">10,762 </div><div id="a8116" style="position:absolute;left:1008.48px;top:254.9px;">7.04 </div><div id="a8118" style="position:absolute;left:1030.32px;top:254.9px;">% </div><div id="a8120" style="position:absolute;left:19.2px;top:270.5px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total loans </div><div id="a8126" style="position:absolute;font-weight:bold;left:247.867px;top:270.5px;">6,708,284 </div><div id="a8130" style="position:absolute;font-weight:bold;left:307.227px;top:270.5px;">110,421 </div><div id="a8133" style="position:absolute;font-weight:bold;left:359.467px;top:270.5px;">6.55 </div><div id="a8135" style="position:absolute;font-weight:bold;left:381.467px;top:270.5px;">% </div><div id="a8139" style="position:absolute;left:410.187px;top:270.5px;">6,787,022 </div><div id="a8143" style="position:absolute;left:469.467px;top:270.5px;">112,047 </div><div id="a8146" style="position:absolute;left:521.867px;top:270.5px;">6.57 </div><div id="a8148" style="position:absolute;left:543.707px;top:270.5px;">% </div><div id="a8152" style="position:absolute;left:572.453px;top:270.5px;">6,840,650 </div><div id="a8156" style="position:absolute;left:631.733px;top:270.5px;">118,532 </div><div id="a8159" style="position:absolute;left:684.053px;top:270.5px;">6.97 </div><div id="a8161" style="position:absolute;left:705.893px;top:270.5px;">% </div><div id="a8165" style="position:absolute;left:734.613px;top:270.5px;">6,687,875 </div><div id="a8169" style="position:absolute;left:793.893px;top:270.5px;">116,435 </div><div id="a8172" style="position:absolute;left:846.293px;top:270.5px;">7.00 </div><div id="a8174" style="position:absolute;left:868.133px;top:270.5px;">% </div><div id="a8178" style="position:absolute;left:896.853px;top:270.5px;">4,500,071 </div><div id="a8182" style="position:absolute;left:961.6px;top:270.5px;">84,904 </div><div id="a8185" style="position:absolute;left:1008.48px;top:270.5px;">7.49 </div><div id="a8187" style="position:absolute;left:1030.32px;top:270.5px;">% </div><div id="a8189" style="position:absolute;left:19.2px;top:286.2px;">Total interest<div style="display:inline-block;width:1.71px">&#160;</div>-earning assets </div><div id="a8195" style="position:absolute;font-weight:bold;left:229.547px;top:286.2px;">$ </div><div id="a8197" style="position:absolute;font-weight:bold;left:247.867px;top:286.2px;">9,270,739 </div><div id="a8200" style="position:absolute;font-weight:bold;left:295.547px;top:286.2px;">$ </div><div id="a8202" style="position:absolute;font-weight:bold;left:307.227px;top:286.2px;">113,020 </div><div id="a8205" style="position:absolute;font-weight:bold;left:359.467px;top:286.2px;">4.85 </div><div id="a8207" style="position:absolute;font-weight:bold;left:381.467px;top:286.2px;">% </div><div id="a8210" style="position:absolute;left:391.787px;top:286.2px;">$ </div><div id="a8212" style="position:absolute;left:410.187px;top:286.2px;">9,218,717 </div><div id="a8215" style="position:absolute;left:457.787px;top:286.2px;">$ </div><div id="a8217" style="position:absolute;left:469.467px;top:286.2px;">114,938 </div><div id="a8220" style="position:absolute;left:521.867px;top:286.2px;">4.96 </div><div id="a8222" style="position:absolute;left:543.707px;top:286.2px;">% </div><div id="a8225" style="position:absolute;left:553.947px;top:286.2px;">$ </div><div id="a8227" style="position:absolute;left:572.453px;top:286.2px;">8,845,744 </div><div id="a8230" style="position:absolute;left:619.973px;top:286.2px;">$ </div><div id="a8232" style="position:absolute;left:631.733px;top:286.2px;">121,692 </div><div id="a8235" style="position:absolute;left:684.053px;top:286.2px;">5.53 </div><div id="a8237" style="position:absolute;left:705.893px;top:286.2px;">% </div><div id="a8240" style="position:absolute;left:716.213px;top:286.2px;">$ </div><div id="a8242" style="position:absolute;left:734.613px;top:286.2px;">8,556,421 </div><div id="a8245" style="position:absolute;left:782.213px;top:286.2px;">$ </div><div id="a8247" style="position:absolute;left:793.893px;top:286.2px;">123,697 </div><div id="a8250" style="position:absolute;left:846.293px;top:286.2px;">5.81 </div><div id="a8252" style="position:absolute;left:868.133px;top:286.2px;">% </div><div id="a8255" style="position:absolute;left:878.373px;top:286.2px;">$ </div><div id="a8257" style="position:absolute;left:896.853px;top:286.2px;">5,886,379 </div><div id="a8260" style="position:absolute;left:944.4px;top:286.2px;">$ </div><div id="a8262" style="position:absolute;left:961.6px;top:286.2px;">91,175 </div><div id="a8265" style="position:absolute;left:1008.48px;top:286.2px;">6.15 </div><div id="a8267" style="position:absolute;left:1030.32px;top:286.2px;">% </div><div id="a8316" style="position:absolute;font-weight:bold;left:19.2px;top:316.9px;">Interest bearing liabilities: </div><div id="a8364" style="position:absolute;left:19.2px;top:331.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Deposits </div><div id="a8413" style="position:absolute;left:19.2px;top:346.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>NOW accounts </div><div id="a8418" style="position:absolute;font-weight:bold;left:229.547px;top:346.9px;">$ </div><div id="a8420" style="position:absolute;font-weight:bold;left:247.867px;top:346.9px;">2,344,903 </div><div id="a8423" style="position:absolute;font-weight:bold;left:295.547px;top:346.9px;">$ </div><div id="a8425" style="position:absolute;font-weight:bold;left:318.027px;top:346.9px;">2,258 </div><div id="a8428" style="position:absolute;font-weight:bold;left:359.467px;top:346.9px;">0.38 </div><div id="a8430" style="position:absolute;font-weight:bold;left:381.467px;top:346.9px;">% </div><div id="a8433" style="position:absolute;left:391.787px;top:346.9px;">$ </div><div id="a8435" style="position:absolute;left:410.187px;top:346.9px;">2,227,687 </div><div id="a8438" style="position:absolute;left:457.787px;top:346.9px;">$ </div><div id="a8440" style="position:absolute;left:480.267px;top:346.9px;">2,247 </div><div id="a8443" style="position:absolute;left:521.867px;top:346.9px;">0.40 </div><div id="a8445" style="position:absolute;left:543.707px;top:346.9px;">% </div><div id="a8448" style="position:absolute;left:553.947px;top:346.9px;">$ </div><div id="a8450" style="position:absolute;left:572.453px;top:346.9px;">2,069,247 </div><div id="a8453" style="position:absolute;left:619.973px;top:346.9px;">$ </div><div id="a8455" style="position:absolute;left:642.533px;top:346.9px;">2,138 </div><div id="a8458" style="position:absolute;left:684.053px;top:346.9px;">0.42 </div><div id="a8460" style="position:absolute;left:705.893px;top:346.9px;">% </div><div id="a8463" style="position:absolute;left:716.213px;top:346.9px;">$ </div><div id="a8465" style="position:absolute;left:734.613px;top:346.9px;">1,980,505 </div><div id="a8468" style="position:absolute;left:782.213px;top:346.9px;">$ </div><div id="a8470" style="position:absolute;left:804.693px;top:346.9px;">2,389 </div><div id="a8473" style="position:absolute;left:846.293px;top:346.9px;">0.48 </div><div id="a8475" style="position:absolute;left:868.133px;top:346.9px;">% </div><div id="a8478" style="position:absolute;left:878.373px;top:346.9px;">$ </div><div id="a8480" style="position:absolute;left:896.853px;top:346.9px;">1,119,371 </div><div id="a8483" style="position:absolute;left:944.4px;top:346.9px;">$ </div><div id="a8485" style="position:absolute;left:966.96px;top:346.9px;">1,471 </div><div id="a8488" style="position:absolute;left:1008.48px;top:346.9px;">0.52 </div><div id="a8490" style="position:absolute;left:1030.32px;top:346.9px;">% </div><div id="a8492" style="position:absolute;left:19.2px;top:361.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Savings accounts </div><div id="a8498" style="position:absolute;font-weight:bold;left:247.867px;top:361.9px;">1,897,618 </div><div id="a8502" style="position:absolute;font-weight:bold;left:318.027px;top:361.9px;">1,954 </div><div id="a8505" style="position:absolute;font-weight:bold;left:359.467px;top:361.9px;">0.41 </div><div id="a8507" style="position:absolute;font-weight:bold;left:381.467px;top:361.9px;">% </div><div id="a8511" style="position:absolute;left:410.187px;top:361.9px;">1,927,680 </div><div id="a8515" style="position:absolute;left:480.267px;top:361.9px;">2,010 </div><div id="a8518" style="position:absolute;left:521.867px;top:361.9px;">0.41 </div><div id="a8520" style="position:absolute;left:543.707px;top:361.9px;">% </div><div id="a8524" style="position:absolute;left:572.453px;top:361.9px;">1,809,517 </div><div id="a8528" style="position:absolute;left:642.533px;top:361.9px;">1,976 </div><div id="a8531" style="position:absolute;left:684.053px;top:361.9px;">0.44 </div><div id="a8533" style="position:absolute;left:705.893px;top:361.9px;">% </div><div id="a8537" style="position:absolute;left:734.613px;top:361.9px;">1,797,658 </div><div id="a8541" style="position:absolute;left:804.693px;top:361.9px;">2,440 </div><div id="a8544" style="position:absolute;left:846.293px;top:361.9px;">0.55 </div><div id="a8546" style="position:absolute;left:868.133px;top:361.9px;">% </div><div id="a8550" style="position:absolute;left:896.853px;top:361.9px;">1,195,689 </div><div id="a8554" style="position:absolute;left:966.96px;top:361.9px;">1,843 </div><div id="a8557" style="position:absolute;left:1008.48px;top:361.9px;">0.61 </div><div id="a8559" style="position:absolute;left:1030.32px;top:361.9px;">% </div><div id="a8561" style="position:absolute;left:19.2px;top:376.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Time deposits </div><div id="a8567" style="position:absolute;font-weight:bold;left:247.867px;top:376.9px;">1,893,070 </div><div id="a8571" style="position:absolute;font-weight:bold;left:318.027px;top:376.9px;">6,975 </div><div id="a8574" style="position:absolute;font-weight:bold;left:359.467px;top:376.9px;">1.47 </div><div id="a8576" style="position:absolute;font-weight:bold;left:381.467px;top:376.9px;">% </div><div id="a8580" style="position:absolute;left:410.187px;top:376.9px;">1,944,856 </div><div id="a8584" style="position:absolute;left:480.267px;top:376.9px;">7,512 </div><div id="a8587" style="position:absolute;left:521.867px;top:376.9px;">1.54 </div><div id="a8589" style="position:absolute;left:543.707px;top:376.9px;">% </div><div id="a8593" style="position:absolute;left:572.453px;top:376.9px;">1,990,639 </div><div id="a8597" style="position:absolute;left:642.533px;top:376.9px;">7,835 </div><div id="a8600" style="position:absolute;left:684.053px;top:376.9px;">1.58 </div><div id="a8602" style="position:absolute;left:705.893px;top:376.9px;">% </div><div id="a8606" style="position:absolute;left:734.613px;top:376.9px;">2,039,311 </div><div id="a8610" style="position:absolute;left:804.693px;top:376.9px;">8,131 </div><div id="a8613" style="position:absolute;left:846.293px;top:376.9px;">1.60 </div><div id="a8615" style="position:absolute;left:868.133px;top:376.9px;">% </div><div id="a8619" style="position:absolute;left:896.853px;top:376.9px;">1,156,965 </div><div id="a8623" style="position:absolute;left:966.96px;top:376.9px;">4,442 </div><div id="a8626" style="position:absolute;left:1008.48px;top:376.9px;">1.52 </div><div id="a8628" style="position:absolute;left:1030.32px;top:376.9px;">% </div><div id="a8630" style="position:absolute;left:19.2px;top:391.9px;"><div style="display:inline-block;width:19.28px">&#160;</div>Brokered deposits </div><div id="a8636" style="position:absolute;font-weight:bold;left:261.467px;top:391.9px;">64,338 </div><div id="a8640" style="position:absolute;font-weight:bold;left:326.187px;top:391.9px;">289 </div><div id="a8643" style="position:absolute;font-weight:bold;left:359.467px;top:391.9px;">1.78 </div><div id="a8645" style="position:absolute;font-weight:bold;left:381.467px;top:391.9px;">% </div><div id="a8649" style="position:absolute;left:418.267px;top:391.9px;">140,416 </div><div id="a8653" style="position:absolute;left:488.347px;top:391.9px;">812 </div><div id="a8656" style="position:absolute;left:521.867px;top:391.9px;">2.30 </div><div id="a8658" style="position:absolute;left:543.707px;top:391.9px;">% </div><div id="a8662" style="position:absolute;left:580.533px;top:391.9px;">235,611 </div><div id="a8666" style="position:absolute;left:642.533px;top:391.9px;">1,446 </div><div id="a8669" style="position:absolute;left:684.053px;top:391.9px;">2.47 </div><div id="a8671" style="position:absolute;left:705.893px;top:391.9px;">% </div><div id="a8675" style="position:absolute;left:742.693px;top:391.9px;">236,008 </div><div id="a8679" style="position:absolute;left:804.693px;top:391.9px;">1,586 </div><div id="a8682" style="position:absolute;left:846.293px;top:391.9px;">2.70 </div><div id="a8684" style="position:absolute;left:868.133px;top:391.9px;">% </div><div id="a8688" style="position:absolute;left:904.933px;top:391.9px;">268,108 </div><div id="a8692" style="position:absolute;left:966.96px;top:391.9px;">1,804 </div><div id="a8695" style="position:absolute;left:1008.48px;top:391.9px;">2.67 </div><div id="a8697" style="position:absolute;left:1030.32px;top:391.9px;">% </div><div id="a8703" style="position:absolute;font-weight:bold;left:247.867px;top:407.6px;">6,199,929 </div><div id="a8707" style="position:absolute;font-weight:bold;left:312.667px;top:407.6px;">11,476 </div><div id="a8710" style="position:absolute;font-weight:bold;left:359.467px;top:407.6px;">0.74 </div><div id="a8712" style="position:absolute;font-weight:bold;left:381.467px;top:407.6px;">% </div><div id="a8716" style="position:absolute;left:410.187px;top:407.6px;">6,240,639 </div><div id="a8720" style="position:absolute;left:474.907px;top:407.6px;">12,581 </div><div id="a8723" style="position:absolute;left:521.867px;top:407.6px;">0.80 </div><div id="a8725" style="position:absolute;left:543.707px;top:407.6px;">% </div><div id="a8729" style="position:absolute;left:572.453px;top:407.6px;">6,105,014 </div><div id="a8733" style="position:absolute;left:637.173px;top:407.6px;">13,395 </div><div id="a8736" style="position:absolute;left:684.053px;top:407.6px;">0.88 </div><div id="a8738" style="position:absolute;left:705.893px;top:407.6px;">% </div><div id="a8742" style="position:absolute;left:734.613px;top:407.6px;">6,053,482 </div><div id="a8746" style="position:absolute;left:799.333px;top:407.6px;">14,546 </div><div id="a8749" style="position:absolute;left:846.293px;top:407.6px;">0.97 </div><div id="a8751" style="position:absolute;left:868.133px;top:407.6px;">% </div><div id="a8755" style="position:absolute;left:896.853px;top:407.6px;">3,740,133 </div><div id="a8759" style="position:absolute;left:966.96px;top:407.6px;">9,560 </div><div id="a8762" style="position:absolute;left:1008.48px;top:407.6px;">1.01 </div><div id="a8764" style="position:absolute;left:1030.32px;top:407.6px;">% </div><div id="a8766" style="position:absolute;left:19.2px;top:437.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Non-interest bearing deposit accounts </div><div id="a8774" style="position:absolute;font-weight:bold;left:247.867px;top:437.6px;">2,315,717 </div><div id="a8778" style="position:absolute;font-weight:bold;left:339.147px;top:437.6px;">- </div><div id="a8781" style="position:absolute;font-weight:bold;left:375.227px;top:437.6px;">- </div><div id="a8786" style="position:absolute;left:410.187px;top:437.6px;">2,276,400 </div><div id="a8790" style="position:absolute;left:501.307px;top:437.6px;">- </div><div id="a8793" style="position:absolute;left:537.467px;top:437.6px;">- </div><div id="a8798" style="position:absolute;left:572.453px;top:437.6px;">1,983,092 </div><div id="a8802" style="position:absolute;left:663.573px;top:437.6px;">- </div><div id="a8805" style="position:absolute;left:699.653px;top:437.6px;">- </div><div id="a8810" style="position:absolute;left:734.613px;top:437.6px;">1,698,964 </div><div id="a8814" style="position:absolute;left:825.733px;top:437.6px;">- </div><div id="a8817" style="position:absolute;left:861.893px;top:437.6px;">- </div><div id="a8822" style="position:absolute;left:896.853px;top:437.6px;">1,110,847 </div><div id="a8826" style="position:absolute;left:988px;top:437.6px;">- </div><div id="a8829" style="position:absolute;left:1024.08px;top:437.6px;">- </div><div id="a8832" style="position:absolute;left:19.2px;top:469.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Fair value premium amortization and </div><div id="a8834" style="position:absolute;left:19.2px;top:482.6px;">core deposit intangible amortization </div><div id="a8839" style="position:absolute;font-weight:bold;left:287.947px;top:482.6px;">- </div><div id="a8843" style="position:absolute;font-weight:bold;left:318.027px;top:482.6px;">2,037 </div><div id="a8846" style="position:absolute;font-weight:bold;left:375.227px;top:482.6px;">- </div><div id="a8851" style="position:absolute;left:450.107px;top:482.6px;">- </div><div id="a8855" style="position:absolute;left:480.267px;top:482.6px;">2,039 </div><div id="a8858" style="position:absolute;left:537.467px;top:482.6px;">- </div><div id="a8863" style="position:absolute;left:612.373px;top:482.6px;">- </div><div id="a8867" style="position:absolute;left:642.533px;top:482.6px;">2,051 </div><div id="a8870" style="position:absolute;left:699.653px;top:482.6px;">- </div><div id="a8875" style="position:absolute;left:774.533px;top:482.6px;">- </div><div id="a8879" style="position:absolute;left:804.693px;top:482.6px;">2,074 </div><div id="a8882" style="position:absolute;left:861.893px;top:482.6px;">- </div><div id="a8887" style="position:absolute;left:936.8px;top:482.6px;">- </div><div id="a8891" style="position:absolute;left:975.04px;top:482.6px;">201 </div><div id="a8894" style="position:absolute;left:1024.08px;top:482.6px;">- </div><div id="a8897" style="position:absolute;left:19.2px;top:498.2px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total deposits </div><div id="a8903" style="position:absolute;font-weight:bold;left:247.867px;top:498.2px;">8,515,646 </div><div id="a8907" style="position:absolute;font-weight:bold;left:312.667px;top:498.2px;">13,513 </div><div id="a8910" style="position:absolute;font-weight:bold;left:359.467px;top:498.2px;">0.63 </div><div id="a8912" style="position:absolute;font-weight:bold;left:381.467px;top:498.2px;">% </div><div id="a8916" style="position:absolute;left:410.187px;top:498.2px;">8,517,039 </div><div id="a8920" style="position:absolute;left:474.907px;top:498.2px;">14,620 </div><div id="a8923" style="position:absolute;left:521.867px;top:498.2px;">0.68 </div><div id="a8925" style="position:absolute;left:543.707px;top:498.2px;">% </div><div id="a8929" style="position:absolute;left:572.453px;top:498.2px;">8,088,106 </div><div id="a8933" style="position:absolute;left:637.173px;top:498.2px;">15,446 </div><div id="a8936" style="position:absolute;left:684.053px;top:498.2px;">0.77 </div><div id="a8938" style="position:absolute;left:705.893px;top:498.2px;">% </div><div id="a8942" style="position:absolute;left:734.613px;top:498.2px;">7,752,446 </div><div id="a8946" style="position:absolute;left:799.333px;top:498.2px;">16,620 </div><div id="a8949" style="position:absolute;left:846.293px;top:498.2px;">0.86 </div><div id="a8951" style="position:absolute;left:868.133px;top:498.2px;">% </div><div id="a8955" style="position:absolute;left:896.853px;top:498.2px;">4,850,980 </div><div id="a8959" style="position:absolute;left:966.96px;top:498.2px;">9,761 </div><div id="a8962" style="position:absolute;left:1008.48px;top:498.2px;">0.80 </div><div id="a8964" style="position:absolute;left:1030.32px;top:498.2px;">% </div><div id="a8966" style="position:absolute;left:19.2px;top:513.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Borrowings </div><div id="a9015" style="position:absolute;left:19.2px;top:530.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Securities sold under agreements to </div><div id="a9017" style="position:absolute;left:19.2px;top:543.9px;">repurchase </div><div id="a9022" style="position:absolute;font-weight:bold;left:287.947px;top:543.9px;">- </div><div id="a9026" style="position:absolute;font-weight:bold;left:339.147px;top:543.9px;">- </div><div id="a9029" style="position:absolute;font-weight:bold;left:375.227px;top:543.9px;">- </div><div id="a9031" style="position:absolute;font-weight:bold;left:381.467px;top:543.9px;">% </div><div id="a9035" style="position:absolute;left:450.107px;top:543.9px;">- </div><div id="a9039" style="position:absolute;left:501.307px;top:543.9px;">- </div><div id="a9042" style="position:absolute;left:537.467px;top:543.9px;">- </div><div id="a9044" style="position:absolute;left:543.707px;top:543.9px;">% </div><div id="a9048" style="position:absolute;left:585.973px;top:543.9px;">46,154 </div><div id="a9052" style="position:absolute;left:650.613px;top:543.9px;">334 </div><div id="a9055" style="position:absolute;left:684.053px;top:543.9px;">2.91 </div><div id="a9057" style="position:absolute;left:705.893px;top:543.9px;">% </div><div id="a9061" style="position:absolute;left:742.693px;top:543.9px;">158,462 </div><div id="a9065" style="position:absolute;left:804.693px;top:543.9px;">1,002 </div><div id="a9068" style="position:absolute;left:846.293px;top:543.9px;">2.54 </div><div id="a9070" style="position:absolute;left:868.133px;top:543.9px;">% </div><div id="a9074" style="position:absolute;left:904.933px;top:543.9px;">190,000 </div><div id="a9078" style="position:absolute;left:966.96px;top:543.9px;">1,189 </div><div id="a9081" style="position:absolute;left:1008.48px;top:543.9px;">2.48 </div><div id="a9083" style="position:absolute;left:1030.32px;top:543.9px;">% </div><div id="a9085" style="position:absolute;left:19.2px;top:560.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Advances from FHLB and other </div><div id="a9087" style="position:absolute;left:19.2px;top:573.9px;">borrowings </div><div id="a9092" style="position:absolute;font-weight:bold;left:261.467px;top:573.9px;">65,847 </div><div id="a9096" style="position:absolute;font-weight:bold;left:326.187px;top:573.9px;">468 </div><div id="a9099" style="position:absolute;font-weight:bold;left:359.467px;top:573.9px;">2.83 </div><div id="a9101" style="position:absolute;font-weight:bold;left:381.467px;top:573.9px;">% </div><div id="a9105" style="position:absolute;left:423.707px;top:573.9px;">66,833 </div><div id="a9109" style="position:absolute;left:488.347px;top:573.9px;">476 </div><div id="a9112" style="position:absolute;left:521.867px;top:573.9px;">2.83 </div><div id="a9114" style="position:absolute;left:543.707px;top:573.9px;">% </div><div id="a9118" style="position:absolute;left:585.973px;top:573.9px;">75,432 </div><div id="a9122" style="position:absolute;left:650.613px;top:573.9px;">505 </div><div id="a9125" style="position:absolute;left:684.053px;top:573.9px;">2.69 </div><div id="a9127" style="position:absolute;left:705.893px;top:573.9px;">% </div><div id="a9131" style="position:absolute;left:748.133px;top:573.9px;">77,255 </div><div id="a9135" style="position:absolute;left:812.773px;top:573.9px;">539 </div><div id="a9138" style="position:absolute;left:846.293px;top:573.9px;">2.81 </div><div id="a9140" style="position:absolute;left:868.133px;top:573.9px;">% </div><div id="a9144" style="position:absolute;left:910.373px;top:573.9px;">78,282 </div><div id="a9148" style="position:absolute;left:975.04px;top:573.9px;">541 </div><div id="a9151" style="position:absolute;left:1008.48px;top:573.9px;">2.74 </div><div id="a9153" style="position:absolute;left:1030.32px;top:573.9px;">% </div><div id="a9155" style="position:absolute;left:19.2px;top:589px;"><div style="display:inline-block;width:19.2px">&#160;</div>Subordinated capital notes </div><div id="a9161" style="position:absolute;font-weight:bold;left:261.467px;top:589px;">36,083 </div><div id="a9165" style="position:absolute;font-weight:bold;left:326.187px;top:589px;">301 </div><div id="a9168" style="position:absolute;font-weight:bold;left:359.467px;top:589px;">3.34 </div><div id="a9170" style="position:absolute;font-weight:bold;left:381.467px;top:589px;">% </div><div id="a9174" style="position:absolute;left:423.707px;top:589px;">36,083 </div><div id="a9178" style="position:absolute;left:488.347px;top:589px;">308 </div><div id="a9181" style="position:absolute;left:521.867px;top:589px;">3.39 </div><div id="a9183" style="position:absolute;left:543.707px;top:589px;">% </div><div id="a9187" style="position:absolute;left:585.973px;top:589px;">36,083 </div><div id="a9191" style="position:absolute;left:650.613px;top:589px;">347 </div><div id="a9194" style="position:absolute;left:684.053px;top:589px;">3.87 </div><div id="a9196" style="position:absolute;left:705.893px;top:589px;">% </div><div id="a9200" style="position:absolute;left:748.133px;top:589px;">36,083 </div><div id="a9204" style="position:absolute;left:812.773px;top:589px;">435 </div><div id="a9207" style="position:absolute;left:846.293px;top:589px;">4.85 </div><div id="a9209" style="position:absolute;left:868.133px;top:589px;">% </div><div id="a9213" style="position:absolute;left:910.373px;top:589px;">36,083 </div><div id="a9217" style="position:absolute;left:975.04px;top:589px;">475 </div><div id="a9220" style="position:absolute;left:1008.48px;top:589px;">5.22 </div><div id="a9222" style="position:absolute;left:1030.32px;top:589px;">% </div><div id="a9224" style="position:absolute;left:19.2px;top:604.6px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total borrowings </div><div id="a9230" style="position:absolute;font-weight:bold;left:256.027px;top:604.6px;">101,930 </div><div id="a9234" style="position:absolute;font-weight:bold;left:326.187px;top:604.6px;">769 </div><div id="a9237" style="position:absolute;font-weight:bold;left:359.467px;top:604.6px;">3.01 </div><div id="a9239" style="position:absolute;font-weight:bold;left:381.467px;top:604.6px;">% </div><div id="a9243" style="position:absolute;left:418.267px;top:604.6px;">102,916 </div><div id="a9247" style="position:absolute;left:488.347px;top:604.6px;">784 </div><div id="a9250" style="position:absolute;left:521.867px;top:604.6px;">3.03 </div><div id="a9252" style="position:absolute;left:543.707px;top:604.6px;">% </div><div id="a9256" style="position:absolute;left:580.533px;top:604.6px;">157,669 </div><div id="a9260" style="position:absolute;left:642.533px;top:604.6px;">1,186 </div><div id="a9263" style="position:absolute;left:684.053px;top:604.6px;">3.03 </div><div id="a9265" style="position:absolute;left:705.893px;top:604.6px;">% </div><div id="a9269" style="position:absolute;left:742.693px;top:604.6px;">271,800 </div><div id="a9273" style="position:absolute;left:804.693px;top:604.6px;">1,976 </div><div id="a9276" style="position:absolute;left:846.293px;top:604.6px;">2.92 </div><div id="a9278" style="position:absolute;left:868.133px;top:604.6px;">% </div><div id="a9282" style="position:absolute;left:904.933px;top:604.6px;">304,365 </div><div id="a9286" style="position:absolute;left:966.96px;top:604.6px;">2,205 </div><div id="a9289" style="position:absolute;left:1008.48px;top:604.6px;">2.87 </div><div id="a9291" style="position:absolute;left:1030.32px;top:604.6px;">% </div><div id="a9293" style="position:absolute;left:19.2px;top:620.2px;">Total interest<div style="display:inline-block;width:1.71px">&#160;</div>-bearing liabilities </div><div id="a9299" style="position:absolute;font-weight:bold;left:229.547px;top:620.2px;">$ </div><div id="a9301" style="position:absolute;font-weight:bold;left:247.867px;top:620.2px;">8,617,576 </div><div id="a9304" style="position:absolute;left:295.547px;top:620.2px;">$ </div><div id="a9306" style="position:absolute;font-weight:bold;left:312.667px;top:620.2px;">14,282 </div><div id="a9309" style="position:absolute;font-weight:bold;left:359.467px;top:620.2px;">0.66 </div><div id="a9311" style="position:absolute;font-weight:bold;left:381.467px;top:620.2px;">% </div><div id="a9314" style="position:absolute;left:391.787px;top:620.2px;">$ </div><div id="a9316" style="position:absolute;left:410.187px;top:620.2px;">8,619,955 </div><div id="a9319" style="position:absolute;left:457.787px;top:620.2px;">$ </div><div id="a9321" style="position:absolute;left:474.907px;top:620.2px;">15,404 </div><div id="a9324" style="position:absolute;left:521.867px;top:620.2px;">0.71 </div><div id="a9326" style="position:absolute;left:543.707px;top:620.2px;">% </div><div id="a9329" style="position:absolute;left:553.947px;top:620.2px;">$ </div><div id="a9331" style="position:absolute;left:572.453px;top:620.2px;">8,245,775 </div><div id="a9334" style="position:absolute;left:619.973px;top:620.2px;">$ </div><div id="a9336" style="position:absolute;left:637.173px;top:620.2px;">16,632 </div><div id="a9339" style="position:absolute;left:684.053px;top:620.2px;">0.81 </div><div id="a9341" style="position:absolute;left:705.893px;top:620.2px;">% </div><div id="a9344" style="position:absolute;left:716.213px;top:620.2px;">$ </div><div id="a9346" style="position:absolute;left:734.613px;top:620.2px;">8,024,246 </div><div id="a9349" style="position:absolute;left:782.213px;top:620.2px;">$ </div><div id="a9351" style="position:absolute;left:799.333px;top:620.2px;">18,596 </div><div id="a9354" style="position:absolute;left:846.293px;top:620.2px;">0.93 </div><div id="a9356" style="position:absolute;left:868.133px;top:620.2px;">% </div><div id="a9359" style="position:absolute;left:878.373px;top:620.2px;">$ </div><div id="a9361" style="position:absolute;left:896.853px;top:620.2px;">5,155,345 </div><div id="a9364" style="position:absolute;left:944.4px;top:620.2px;">$ </div><div id="a9366" style="position:absolute;left:961.6px;top:620.2px;">11,966 </div><div id="a9369" style="position:absolute;left:1008.48px;top:620.2px;">0.92 </div><div id="a9371" style="position:absolute;left:1030.32px;top:620.2px;">% </div><div id="a9373" style="position:absolute;left:19.2px;top:637px;">Interest rate spread </div><div id="a9380" style="position:absolute;font-weight:bold;left:295.547px;top:637px;">$ </div><div id="a9382" style="position:absolute;font-weight:bold;left:312.667px;top:637px;">98,738 </div><div id="a9385" style="position:absolute;font-weight:bold;left:359.467px;top:637px;">4.19 </div><div id="a9387" style="position:absolute;font-weight:bold;left:381.467px;top:637px;">% </div><div id="a9393" style="position:absolute;left:457.787px;top:637px;">$ </div><div id="a9395" style="position:absolute;left:474.907px;top:637px;">99,534 </div><div id="a9398" style="position:absolute;left:521.867px;top:637px;">4.25 </div><div id="a9400" style="position:absolute;left:543.707px;top:637px;">% </div><div id="a9406" style="position:absolute;left:619.973px;top:637px;">$ </div><div id="a9408" style="position:absolute;left:631.733px;top:637px;">105,060 </div><div id="a9411" style="position:absolute;left:684.053px;top:637px;">4.72 </div><div id="a9413" style="position:absolute;left:705.893px;top:637px;">% </div><div id="a9419" style="position:absolute;left:782.213px;top:637px;">$ </div><div id="a9421" style="position:absolute;left:793.893px;top:637px;">105,101 </div><div id="a9424" style="position:absolute;left:846.293px;top:637px;">4.88 </div><div id="a9426" style="position:absolute;left:868.133px;top:637px;">% </div><div id="a9432" style="position:absolute;left:944.4px;top:637px;">$ </div><div id="a9434" style="position:absolute;left:961.6px;top:637px;">79,209 </div><div id="a9437" style="position:absolute;left:1008.48px;top:637px;">5.23 </div><div id="a9439" style="position:absolute;left:1030.32px;top:637px;">% </div><div id="a9441" style="position:absolute;left:19.2px;top:657px;">Net interest margin </div><div id="a9451" style="position:absolute;font-weight:bold;left:359.467px;top:657px;">4.24 </div><div id="a9453" style="position:absolute;font-weight:bold;left:381.467px;top:657px;">% </div><div id="a9462" style="position:absolute;left:521.867px;top:657px;">4.30 </div><div id="a9464" style="position:absolute;left:543.707px;top:657px;">% </div><div id="a9473" style="position:absolute;left:684.053px;top:657px;">4.78 </div><div id="a9475" style="position:absolute;left:705.893px;top:657px;">% </div><div id="a9484" style="position:absolute;left:846.293px;top:657px;">4.94 </div><div id="a9486" style="position:absolute;left:868.133px;top:657px;">% </div><div id="a9495" style="position:absolute;left:1008.48px;top:657px;">5.34 </div><div id="a9497" style="position:absolute;left:1030.32px;top:657px;">% </div><div id="a9640" style="position:absolute;font-weight:bold;left:19.2px;top:722.9px;">SOP loan cost recoveries (interest recoveries </div><div id="a9641" style="position:absolute;font-weight:bold;left:19.2px;top:735.9px;">in 2Q, 3Q and 4Q 2020) </div><div id="a9648" style="position:absolute;font-weight:bold;left:295.547px;top:735.9px;">$ </div><div id="a9650" style="position:absolute;left:331.627px;top:735.9px;">17 </div><div id="a9659" style="position:absolute;left:457.787px;top:735.9px;">$ </div><div id="a9661" style="position:absolute;left:488.347px;top:735.9px;">469 </div><div id="a9670" style="position:absolute;left:619.973px;top:735.9px;">$ </div><div id="a9672" style="position:absolute;left:642.533px;top:735.9px;">5,982 </div><div id="a9681" style="position:absolute;left:782.213px;top:735.9px;">$ </div><div id="a9683" style="position:absolute;left:825.733px;top:735.9px;">- </div><div id="a9692" style="position:absolute;left:944.4px;top:735.9px;">$ </div><div id="a9694" style="position:absolute;left:966.96px;top:735.9px;">1,033 </div></div>
</div>
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<div style="position:absolute; width:118.5px; height:3px; left:714.9px; top:184px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:118.4px; height:3px; left:552.7px; top:184px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:118.5px; height:3px; left:390.4px; top:184px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:327.5px; height:3px; left:19.2px; top:184px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:11.4px; height:9.8px; left:218.2px; top:253.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:11.4px; height:9.8px; left:218.2px; top:193.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:162.2px; height:16px; left:877.1px; top:187.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:857.8px; height:16px; left:19.2px; top:187.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:10.3px; height:1px; left:381.5px; top:124.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:210.3px; height:1px; left:19.2px; top:124.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:11.4px; height:9.8px; left:218.2px; top:329.6px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:11.4px; height:9.8px; left:218.2px; top:283.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:11.4px; height:9.8px; left:218.2px; top:154.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:162.2px; height:39.1px; left:877.1px; top:125px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:857.8px; height:39.1px; left:19.2px; top:125px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:11.4px; height:9.8px; left:218.2px; top:99.5px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:63px; height:13px; left:877.1px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:832px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:71.9px; height:13px; left:705.9px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:669.8px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:618.6px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:71.9px; height:13px; left:543.7px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:507.5px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:456.4px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:71.9px; height:13px; left:381.5px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:345.4px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:294.2px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:61.7px; height:13px; left:229.5px; top:326.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:994.2px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.1px; height:13px; left:943.1px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:63px; height:13px; left:877.1px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:832px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:780.9px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:71.9px; height:13px; left:705.9px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:669.8px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:618.6px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:71.9px; height:13px; left:543.7px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:507.5px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:456.4px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:71.9px; height:13px; left:381.5px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:345.4px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:48.2px; height:13px; left:294.2px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:61.7px; height:13px; left:229.5px; top:280.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:647.5px; height:13px; left:229.5px; top:220px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:647.5px; height:13px; left:229.5px; top:190px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:994.2px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:114.1px; height:13px; left:877.1px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:832px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:123.1px; height:13px; left:705.9px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:669.8px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:123.1px; height:13px; left:543.7px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:507.5px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:123.1px; height:13px; left:381.5px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:33.1px; height:13px; left:345.4px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:112.8px; height:13px; left:229.5px; top:151px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:647.5px; height:13px; left:229.5px; top:96.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:162.2px; height:30px; left:877.1px; top:79.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:857.8px; height:30px; left:19.2px; top:79.3px; background-color:#DBEEF4;">&#160;</div>
<div id="a9699" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a9701" style="position:absolute;font-size:13.36px;left:19.2px;top:751.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a9750" style="position:absolute;font-weight:bold;left:19.2px;top:83.1px;">Adjusted excluding cost/interests<div style="display:inline-block;width:4px">&#160;</div>recoveries </div><div id="a9751" style="position:absolute;font-weight:bold;left:19.2px;top:96.2px;">(Non-GAAP): </div><div id="a9801" style="position:absolute;left:19.2px;top:111.2px;">Total interest<div style="display:inline-block;width:1.71px">&#160;</div>-earning assets </div><div id="a9807" style="position:absolute;font-weight:bold;left:229.547px;top:111.2px;">$ </div><div id="a9809" style="position:absolute;font-weight:bold;left:247.867px;top:111.2px;">9,270,739 </div><div id="a9812" style="position:absolute;font-weight:bold;left:295.547px;top:111.2px;">$ </div><div id="a9814" style="position:absolute;font-weight:bold;left:307.227px;top:111.2px;">113,003 </div><div id="a9817" style="position:absolute;font-weight:bold;left:359.467px;top:111.2px;">4.85 </div><div id="a9819" style="position:absolute;font-weight:bold;left:381.467px;top:111.2px;">% </div><div id="a9822" style="position:absolute;left:391.787px;top:111.2px;">$ </div><div id="a9824" style="position:absolute;left:410.187px;top:111.2px;">9,218,717 </div><div id="a9827" style="position:absolute;left:457.787px;top:111.2px;">$ </div><div id="a9829" style="position:absolute;left:469.467px;top:111.2px;">114,469 </div><div id="a9832" style="position:absolute;left:521.867px;top:111.2px;">4.94 </div><div id="a9834" style="position:absolute;left:543.707px;top:111.2px;">% </div><div id="a9837" style="position:absolute;left:553.947px;top:111.2px;">$ </div><div id="a9839" style="position:absolute;left:572.453px;top:111.2px;">8,845,744 </div><div id="a9842" style="position:absolute;left:619.973px;top:111.2px;">$ </div><div id="a9844" style="position:absolute;left:631.733px;top:111.2px;">115,710 </div><div id="a9847" style="position:absolute;left:684.053px;top:111.2px;">5.26 </div><div id="a9849" style="position:absolute;left:705.893px;top:111.2px;">% </div><div id="a9852" style="position:absolute;left:716.213px;top:111.2px;">$ </div><div id="a9854" style="position:absolute;left:734.613px;top:111.2px;">8,556,421 </div><div id="a9857" style="position:absolute;left:782.213px;top:111.2px;">$ </div><div id="a9859" style="position:absolute;left:793.893px;top:111.2px;">123,697 </div><div id="a9862" style="position:absolute;left:846.293px;top:111.2px;">5.81 </div><div id="a9864" style="position:absolute;left:868.133px;top:111.2px;">% </div><div id="a9867" style="position:absolute;left:878.373px;top:111.2px;">$ </div><div id="a9869" 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style="position:absolute;font-weight:bold;left:381.467px;top:150.9px;">% </div><div id="a9904" style="position:absolute;left:457.787px;top:138px;">$</div><div id="a9905" style="position:absolute;left:457.787px;top:150.9px;"><div style="display:inline-block;width:2.4px">&#160;</div></div><div id="a9907" style="position:absolute;left:474.907px;top:150.9px;">99,065 </div><div id="a9910" style="position:absolute;left:521.867px;top:150.9px;">4.23 </div><div id="a9912" style="position:absolute;left:543.707px;top:150.9px;">% </div><div id="a9919" style="position:absolute;left:619.973px;top:138px;">$</div><div id="a9920" style="position:absolute;left:619.973px;top:150.9px;"><div style="display:inline-block;width:2.4px">&#160;</div></div><div id="a9922" style="position:absolute;left:637.173px;top:150.9px;">99,078 </div><div id="a9925" style="position:absolute;left:684.053px;top:150.9px;">4.45 </div><div id="a9927" style="position:absolute;left:705.893px;top:150.9px;">% </div><div id="a9934" style="position:absolute;left:782.213px;top:138px;">$</div><div id="a9935" style="position:absolute;left:782.213px;top:150.9px;"><div style="display:inline-block;width:2.4px">&#160;</div></div><div id="a9937" style="position:absolute;left:793.893px;top:150.9px;">105,101 </div><div id="a9940" style="position:absolute;left:846.293px;top:150.9px;">4.88 </div><div id="a9942" style="position:absolute;left:868.133px;top:150.9px;">% </div><div id="a9949" style="position:absolute;left:944.4px;top:138px;">$</div><div id="a9950" style="position:absolute;left:944.4px;top:150.9px;"><div style="display:inline-block;width:2.4px">&#160;</div></div><div id="a9952" style="position:absolute;left:961.6px;top:150.9px;">78,176 </div><div id="a9955" style="position:absolute;left:1008.48px;top:150.9px;">5.16 </div><div id="a9957" style="position:absolute;left:1030.32px;top:150.9px;">% </div><div id="a9959" style="position:absolute;left:19.2px;top:170.9px;">Net interest margin </div><div id="a9969" 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style="position:absolute;left:19.2px;top:220px;"><div style="display:inline-block;width:9.6px">&#160;</div>Deposits </div><div id="a10163" style="position:absolute;left:19.2px;top:234.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>NOW accounts </div><div id="a10168" style="position:absolute;font-weight:bold;left:229.547px;top:234.9px;">$ </div><div id="a10170" style="position:absolute;font-weight:bold;left:247.867px;top:234.9px;">2,344,903 </div><div id="a10173" style="position:absolute;font-weight:bold;left:295.547px;top:234.9px;">$ </div><div id="a10175" style="position:absolute;font-weight:bold;left:318.027px;top:234.9px;">2,258 </div><div id="a10178" style="position:absolute;font-weight:bold;left:359.467px;top:234.9px;">0.38 </div><div id="a10180" style="position:absolute;font-weight:bold;left:381.467px;top:234.9px;">% </div><div id="a10183" style="position:absolute;left:391.787px;top:234.9px;">$ </div><div id="a10185" style="position:absolute;left:410.187px;top:234.9px;">2,227,687 </div><div id="a10188" style="position:absolute;left:457.787px;top:234.9px;">$ </div><div id="a10190" style="position:absolute;left:480.267px;top:234.9px;">2,247 </div><div id="a10193" style="position:absolute;left:521.867px;top:234.9px;">0.40 </div><div id="a10195" style="position:absolute;left:543.707px;top:234.9px;">% </div><div id="a10198" style="position:absolute;left:553.947px;top:234.9px;">$ </div><div id="a10200" style="position:absolute;left:572.453px;top:234.9px;">2,069,247 </div><div id="a10203" style="position:absolute;left:619.973px;top:234.9px;">$ </div><div id="a10205" style="position:absolute;left:642.533px;top:234.9px;">2,138 </div><div id="a10208" style="position:absolute;left:684.053px;top:234.9px;">0.42 </div><div id="a10210" style="position:absolute;left:705.893px;top:234.9px;">% </div><div id="a10213" style="position:absolute;left:716.213px;top:234.9px;">$ </div><div id="a10215" style="position:absolute;left:734.613px;top:234.9px;">1,980,505 </div><div id="a10218" style="position:absolute;left:782.213px;top:234.9px;">$ </div><div id="a10220" style="position:absolute;left:804.693px;top:234.9px;">2,389 </div><div id="a10223" style="position:absolute;left:846.293px;top:234.9px;">0.48 </div><div id="a10225" style="position:absolute;left:868.133px;top:234.9px;">% </div><div id="a10228" style="position:absolute;left:878.373px;top:234.9px;">$ </div><div id="a10230" style="position:absolute;left:896.853px;top:234.9px;">1,119,371 </div><div id="a10233" style="position:absolute;left:944.4px;top:234.9px;">$ </div><div id="a10235" style="position:absolute;left:966.96px;top:234.9px;">1,471 </div><div id="a10238" style="position:absolute;left:1008.48px;top:234.9px;">0.52 </div><div id="a10240" style="position:absolute;left:1030.32px;top:234.9px;">% </div><div id="a10242" style="position:absolute;left:19.2px;top:250px;"><div style="display:inline-block;width:19.2px">&#160;</div>Savings accounts </div><div id="a10248" style="position:absolute;font-weight:bold;left:247.867px;top:250px;">1,897,618 </div><div id="a10252" style="position:absolute;font-weight:bold;left:318.027px;top:250px;">1,954 </div><div id="a10255" style="position:absolute;font-weight:bold;left:359.467px;top:250px;">0.41 </div><div id="a10257" style="position:absolute;font-weight:bold;left:381.467px;top:250px;">% </div><div id="a10261" style="position:absolute;left:410.187px;top:250px;">1,927,680 </div><div id="a10265" style="position:absolute;left:480.267px;top:250px;">2,010 </div><div id="a10268" style="position:absolute;left:521.867px;top:250px;">0.41 </div><div id="a10270" style="position:absolute;left:543.707px;top:250px;">% </div><div id="a10274" style="position:absolute;left:572.453px;top:250px;">1,809,517 </div><div id="a10278" style="position:absolute;left:642.533px;top:250px;">1,976 </div><div id="a10281" style="position:absolute;left:684.053px;top:250px;">0.44 </div><div id="a10283" style="position:absolute;left:705.893px;top:250px;">% </div><div id="a10287" style="position:absolute;left:734.613px;top:250px;">1,797,658 </div><div id="a10291" style="position:absolute;left:804.693px;top:250px;">2,440 </div><div id="a10294" style="position:absolute;left:846.293px;top:250px;">0.55 </div><div id="a10296" style="position:absolute;left:868.133px;top:250px;">% </div><div id="a10300" style="position:absolute;left:896.853px;top:250px;">1,195,689 </div><div id="a10304" style="position:absolute;left:966.96px;top:250px;">1,843 </div><div id="a10307" style="position:absolute;left:1008.48px;top:250px;">0.61 </div><div id="a10309" style="position:absolute;left:1030.32px;top:250px;">% </div><div id="a10311" style="position:absolute;left:19.2px;top:264.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Time deposits </div><div id="a10317" style="position:absolute;font-weight:bold;left:247.867px;top:264.9px;">1,893,070 </div><div id="a10321" style="position:absolute;font-weight:bold;left:318.027px;top:264.9px;">6,975 </div><div id="a10324" style="position:absolute;font-weight:bold;left:359.467px;top:264.9px;">1.47 </div><div id="a10326" style="position:absolute;font-weight:bold;left:381.467px;top:264.9px;">% </div><div id="a10330" style="position:absolute;left:410.187px;top:264.9px;">1,944,856 </div><div id="a10334" style="position:absolute;left:480.267px;top:264.9px;">7,512 </div><div id="a10337" style="position:absolute;left:521.867px;top:264.9px;">1.54 </div><div id="a10339" style="position:absolute;left:543.707px;top:264.9px;">% </div><div id="a10343" style="position:absolute;left:572.453px;top:264.9px;">1,990,639 </div><div id="a10347" style="position:absolute;left:642.533px;top:264.9px;">7,835 </div><div id="a10350" style="position:absolute;left:684.053px;top:264.9px;">1.58 </div><div id="a10352" style="position:absolute;left:705.893px;top:264.9px;">% </div><div id="a10356" style="position:absolute;left:734.613px;top:264.9px;">2,039,311 </div><div id="a10360" style="position:absolute;left:804.693px;top:264.9px;">8,131 </div><div id="a10363" style="position:absolute;left:846.293px;top:264.9px;">1.60 </div><div id="a10365" style="position:absolute;left:868.133px;top:264.9px;">% </div><div id="a10369" style="position:absolute;left:896.853px;top:264.9px;">1,156,965 </div><div id="a10373" style="position:absolute;left:966.96px;top:264.9px;">4,442 </div><div id="a10376" style="position:absolute;left:1008.48px;top:264.9px;">1.52 </div><div id="a10378" style="position:absolute;left:1030.32px;top:264.9px;">% </div><div id="a10384" style="position:absolute;font-weight:bold;left:247.867px;top:280.6px;">6,135,591 </div><div id="a10388" style="position:absolute;font-weight:bold;left:312.667px;top:280.6px;">11,187 </div><div id="a10391" style="position:absolute;font-weight:bold;left:359.467px;top:280.6px;">0.73 </div><div id="a10393" style="position:absolute;font-weight:bold;left:381.467px;top:280.6px;">% </div><div id="a10397" style="position:absolute;left:410.187px;top:280.6px;">6,100,223 </div><div id="a10401" style="position:absolute;left:474.907px;top:280.6px;">11,769 </div><div id="a10404" style="position:absolute;left:521.867px;top:280.6px;">0.77 </div><div id="a10406" style="position:absolute;left:543.707px;top:280.6px;">% </div><div id="a10410" style="position:absolute;left:572.453px;top:280.6px;">5,869,403 </div><div id="a10414" style="position:absolute;left:637.173px;top:280.6px;">11,949 </div><div id="a10417" style="position:absolute;left:684.053px;top:280.6px;">0.82 </div><div id="a10419" style="position:absolute;left:705.893px;top:280.6px;">% </div><div id="a10423" style="position:absolute;left:734.613px;top:280.6px;">5,817,474 </div><div id="a10427" style="position:absolute;left:799.333px;top:280.6px;">12,960 </div><div id="a10430" style="position:absolute;left:846.293px;top:280.6px;">0.91 </div><div id="a10432" style="position:absolute;left:868.133px;top:280.6px;">% </div><div id="a10436" style="position:absolute;left:896.853px;top:280.6px;">3,472,025 </div><div id="a10440" style="position:absolute;left:966.96px;top:280.6px;">7,756 </div><div id="a10443" style="position:absolute;left:1008.48px;top:280.6px;">0.89 </div><div id="a10445" style="position:absolute;left:1030.32px;top:280.6px;">% </div><div id="a10447" style="position:absolute;left:19.2px;top:310.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Non-interest bearing deposit accounts </div><div id="a10455" style="position:absolute;font-weight:bold;left:247.867px;top:310.6px;">2,315,717 </div><div id="a10459" style="position:absolute;font-weight:bold;left:339.147px;top:310.6px;">- </div><div id="a10462" style="position:absolute;font-weight:bold;left:375.227px;top:310.6px;">- </div><div id="a10467" style="position:absolute;left:410.187px;top:310.6px;">2,276,400 </div><div id="a10471" style="position:absolute;left:501.307px;top:310.6px;">- </div><div id="a10474" style="position:absolute;left:537.467px;top:310.6px;">- </div><div id="a10479" style="position:absolute;left:572.453px;top:310.6px;">1,983,092 </div><div id="a10483" style="position:absolute;left:663.573px;top:310.6px;">- </div><div id="a10486" style="position:absolute;left:699.653px;top:310.6px;">- </div><div id="a10491" style="position:absolute;left:734.613px;top:310.6px;">1,698,964 </div><div id="a10495" style="position:absolute;left:825.733px;top:310.6px;">- </div><div id="a10498" style="position:absolute;left:861.893px;top:310.6px;">- </div><div id="a10503" style="position:absolute;left:896.853px;top:310.6px;">1,110,847 </div><div id="a10507" style="position:absolute;left:988px;top:310.6px;">- </div><div id="a10510" style="position:absolute;left:1024.08px;top:310.6px;">- </div><div id="a10513" style="position:absolute;left:19.2px;top:326.3px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total core<div style="display:inline-block;width:3.81px">&#160;</div>deposits </div><div id="a10518" style="position:absolute;font-weight:bold;left:229.547px;top:326.3px;">$ </div><div id="a10520" style="position:absolute;font-weight:bold;left:247.867px;top:326.3px;">8,451,308 </div><div id="a10523" style="position:absolute;font-weight:bold;left:295.547px;top:326.3px;">$ </div><div id="a10525" style="position:absolute;font-weight:bold;left:312.667px;top:326.3px;">11,187 </div><div id="a10528" style="position:absolute;font-weight:bold;left:359.467px;top:326.3px;">0.53 </div><div id="a10530" style="position:absolute;font-weight:bold;left:381.467px;top:326.3px;">% </div><div id="a10533" style="position:absolute;left:391.787px;top:326.3px;">$ </div><div id="a10535" style="position:absolute;left:410.187px;top:326.3px;">8,376,623 </div><div id="a10538" style="position:absolute;left:457.787px;top:326.3px;">$ </div><div id="a10540" style="position:absolute;left:474.907px;top:326.3px;">11,769 </div><div id="a10543" style="position:absolute;left:521.867px;top:326.3px;">0.56 </div><div id="a10545" style="position:absolute;left:543.707px;top:326.3px;">% </div><div id="a10548" style="position:absolute;left:553.947px;top:326.3px;">$ </div><div id="a10550" style="position:absolute;left:572.453px;top:326.3px;">7,852,495 </div><div id="a10553" style="position:absolute;left:619.973px;top:326.3px;">$ </div><div id="a10555" style="position:absolute;left:637.173px;top:326.3px;">11,949 </div><div id="a10558" style="position:absolute;left:684.053px;top:326.3px;">0.61 </div><div id="a10560" style="position:absolute;left:705.893px;top:326.3px;">% </div><div id="a10563" style="position:absolute;left:716.213px;top:326.3px;">$ </div><div id="a10565" style="position:absolute;left:734.613px;top:326.3px;">7,516,438 </div><div id="a10568" style="position:absolute;left:782.213px;top:326.3px;">$ </div><div id="a10570" style="position:absolute;left:799.333px;top:326.3px;">12,960 </div><div id="a10573" style="position:absolute;left:846.293px;top:326.3px;">0.69 </div><div id="a10575" style="position:absolute;left:868.133px;top:326.3px;">% </div><div id="a10578" style="position:absolute;left:878.373px;top:326.3px;">$ </div><div id="a10580" style="position:absolute;left:896.853px;top:326.3px;">4,582,872 </div><div id="a10583" style="position:absolute;left:944.4px;top:326.3px;">$ </div><div id="a10585" style="position:absolute;left:966.96px;top:326.3px;">7,756 </div><div id="a10588" style="position:absolute;left:1008.48px;top:326.3px;">0.67 </div><div id="a10590" style="position:absolute;left:1030.32px;top:326.3px;">% </div><div id="a10639" style="position:absolute;left:526.507px;top:356.9px;">9 </div><div id="a10641" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:370px;">&#160;</div></div>
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<div style="position:absolute; width:70px; height:13px; left:479.3px; top:841.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:13px; left:401.2px; top:841.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:408.1px; height:13px; left:401.2px; top:749px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:201px; height:13px; left:595.3px; top:581.3px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:50px; height:1px; left:759.3px; top:405px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:686.3px; top:405px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:608.3px; top:405px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:555.3px; top:405px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:482.3px; top:405px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:404.3px; top:405px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:759.3px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:686.3px; top:299.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:70px; height:1px; left:482.3px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:404.3px; top:299.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:759.3px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:686.3px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:608.3px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:555.3px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:482.3px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:404.3px; top:283.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:759.3px; top:465.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:686.3px; top:465.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:608.3px; top:465.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:555.3px; top:465.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:482.3px; top:465.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:404.3px; top:465.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:759.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:686.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:608.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1px; left:555.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1px; left:482.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1px; left:404.3px; top:267.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1.3px; left:759.3px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1.3px; left:686.3px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1.3px; left:608.3px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:50px; height:1.3px; left:555.3px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70px; height:1.3px; left:482.3px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75px; height:1.3px; left:404.3px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:382px; height:1.3px; left:19.2px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:201px; height:1.3px; left:608.3px; top:114.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:201px; height:1.3px; left:404.3px; top:114.2px; background-color:#000000;">&#160;</div>
<div id="a10642" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a10644" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a10646" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a10663" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.9px;">Table 5-2: Average<div style="display:inline-block;width:4.69px">&#160;</div>Balances, Net Interest Income and Net Interest Margin (Continued) </div><div id="a10671" style="position:absolute;font-weight:bold;left:483.893px;top:101.2px;">2020 YTD </div><div id="a10674" style="position:absolute;left:688.213px;top:101.2px;">2019 YTD </div><div id="a10681" style="position:absolute;font-weight:bold;left:499.813px;top:117.5px;">Interest<div style="display:inline-block;width:3px">&#160;</div></div><div id="a10689" style="position:absolute;left:704.213px;top:117.5px;">Interest<div style="display:inline-block;width:2.93px">&#160;</div></div><div id="a10697" style="position:absolute;font-weight:bold;left:423.467px;top:132.5px;">Average </div><div id="a10700" style="position:absolute;font-weight:bold;left:498.533px;top:132.5px;">Income/ </div><div id="a10703" style="position:absolute;font-weight:bold;left:567.013px;top:132.5px;">Yield/ </div><div id="a10706" style="position:absolute;left:627.973px;top:132.5px;">Average </div><div id="a10709" style="position:absolute;left:703.013px;top:132.5px;">Income/ </div><div id="a10712" style="position:absolute;left:771.68px;top:132.5px;">Yield/ </div><div id="a10714" style="position:absolute;font-weight:bold;left:19.2px;top:147.1px;">(Dollars in thousands) (unaudited) </div><div id="a10718" style="position:absolute;font-weight:bold;left:424.347px;top:148.5px;">Balance </div><div id="a10721" style="position:absolute;font-weight:bold;left:498.933px;top:148.5px;">Expense </div><div id="a10724" style="position:absolute;font-weight:bold;left:570.053px;top:148.5px;">Rate </div><div id="a10727" style="position:absolute;left:628.773px;top:148.5px;">Balance </div><div id="a10730" style="position:absolute;left:703.253px;top:148.5px;">Expense </div><div id="a10733" style="position:absolute;left:774.4px;top:148.5px;">Rate </div><div id="a10755" style="position:absolute;font-weight:bold;left:19.2px;top:179.9px;">Interest earning assets: </div><div id="a10776" style="position:absolute;left:19.2px;top:194.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Cash equivalents </div><div id="a10781" style="position:absolute;font-weight:bold;left:404.187px;top:194.9px;">$ </div><div id="a10783" style="position:absolute;font-weight:bold;left:432.853px;top:194.9px;">1,591,613 </div><div id="a10786" style="position:absolute;font-weight:bold;left:482.213px;top:194.9px;">$ </div><div id="a10788" style="position:absolute;font-weight:bold;left:524.853px;top:194.9px;">4,373 </div><div id="a10791" style="position:absolute;font-weight:bold;left:573.253px;top:194.9px;">0.27 </div><div id="a10793" style="position:absolute;font-weight:bold;left:595.253px;top:194.9px;">% </div><div id="a10796" style="position:absolute;left:608.213px;top:194.9px;">$ </div><div id="a10798" style="position:absolute;left:645.093px;top:194.9px;">618,446 </div><div id="a10801" style="position:absolute;left:686.213px;top:194.9px;">$ </div><div id="a10803" style="position:absolute;left:723.6px;top:194.9px;">13,041 </div><div id="a10806" style="position:absolute;left:777.44px;top:194.9px;">2.11 </div><div id="a10808" style="position:absolute;left:799.28px;top:194.9px;">% </div><div id="a10810" style="position:absolute;left:19.2px;top:209.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Investment securities </div><div id="a10816" style="position:absolute;font-weight:bold;left:441.013px;top:209.9px;">626,866 </div><div id="a10820" style="position:absolute;font-weight:bold;left:519.493px;top:209.9px;">11,539 </div><div id="a10823" style="position:absolute;font-weight:bold;left:573.253px;top:209.9px;">1.84 </div><div id="a10825" style="position:absolute;font-weight:bold;left:595.253px;top:209.9px;">% </div><div id="a10829" style="position:absolute;left:645.093px;top:209.9px;">879,885 </div><div id="a10833" style="position:absolute;left:723.6px;top:209.9px;">20,879 </div><div id="a10836" style="position:absolute;left:777.44px;top:209.9px;">2.37 </div><div id="a10838" style="position:absolute;left:799.28px;top:209.9px;">% </div><div id="a10840" style="position:absolute;left:19.2px;top:224.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Loans held for investment </div><div id="a10862" style="position:absolute;left:19.2px;top:239.9px;"><div style="display:inline-block;width:24px">&#160;</div>Non-PCD loans </div><div id="a10870" style="position:absolute;font-weight:bold;left:432.853px;top:239.9px;">4,801,813 </div><div id="a10874" style="position:absolute;font-weight:bold;left:514.053px;top:239.9px;">335,514 </div><div id="a10877" style="position:absolute;font-weight:bold;left:573.253px;top:239.9px;">6.99 </div><div id="a10879" style="position:absolute;font-weight:bold;left:595.253px;top:239.9px;">% </div><div id="a10883" style="position:absolute;left:637.013px;top:239.9px;">3,838,980 </div><div id="a10887" style="position:absolute;left:718.133px;top:239.9px;">294,726 </div><div id="a10890" style="position:absolute;left:777.44px;top:239.9px;">7.68 </div><div id="a10892" style="position:absolute;left:799.28px;top:239.9px;">% </div><div id="a10894" style="position:absolute;left:19.2px;top:254.9px;"><div style="display:inline-block;width:24px">&#160;</div>PCD loans </div><div id="a10900" style="position:absolute;font-weight:bold;left:432.853px;top:254.9px;">1,946,697 </div><div id="a10904" style="position:absolute;font-weight:bold;left:514.053px;top:254.9px;">121,921 </div><div id="a10907" style="position:absolute;font-weight:bold;left:573.253px;top:254.9px;">6.26 </div><div id="a10909" style="position:absolute;font-weight:bold;left:595.253px;top:254.9px;">% </div><div id="a10913" style="position:absolute;left:645.093px;top:254.9px;">675,542 </div><div id="a10917" style="position:absolute;left:723.6px;top:254.9px;">45,149 </div><div id="a10920" style="position:absolute;left:777.44px;top:254.9px;">6.68 </div><div id="a10922" style="position:absolute;left:799.28px;top:254.9px;">% </div><div id="a10924" style="position:absolute;left:19.2px;top:270.5px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total loans </div><div id="a10930" style="position:absolute;font-weight:bold;left:432.853px;top:270.5px;">6,748,510 </div><div id="a10934" style="position:absolute;font-weight:bold;left:514.053px;top:270.5px;">457,435 </div><div id="a10937" style="position:absolute;font-weight:bold;left:573.253px;top:270.5px;">6.78 </div><div id="a10939" style="position:absolute;font-weight:bold;left:595.253px;top:270.5px;">% </div><div id="a10943" style="position:absolute;left:637.013px;top:270.5px;">4,514,522 </div><div id="a10947" style="position:absolute;left:718.133px;top:270.5px;">339,875 </div><div id="a10950" style="position:absolute;left:777.44px;top:270.5px;">7.53 </div><div id="a10952" style="position:absolute;left:799.28px;top:270.5px;">% </div><div id="a10954" style="position:absolute;left:19.2px;top:286.2px;">Total interest<div style="display:inline-block;width:1.71px">&#160;</div>-earning assets </div><div id="a10960" style="position:absolute;font-weight:bold;left:404.187px;top:286.2px;">$ </div><div id="a10962" style="position:absolute;font-weight:bold;left:432.853px;top:286.2px;">8,966,989 </div><div id="a10965" style="position:absolute;font-weight:bold;left:482.213px;top:286.2px;">$ </div><div id="a10967" style="position:absolute;font-weight:bold;left:514.053px;top:286.2px;">473,347 </div><div id="a10970" style="position:absolute;font-weight:bold;left:573.253px;top:286.2px;">5.28 </div><div id="a10972" style="position:absolute;font-weight:bold;left:595.253px;top:286.2px;">% </div><div id="a10975" style="position:absolute;left:608.213px;top:286.2px;">$ </div><div id="a10977" style="position:absolute;left:637.013px;top:286.2px;">6,012,853 </div><div id="a10980" style="position:absolute;left:686.213px;top:286.2px;">$ </div><div id="a10982" style="position:absolute;left:718.133px;top:286.2px;">373,795 </div><div id="a10985" style="position:absolute;left:777.44px;top:286.2px;">6.22 </div><div id="a10987" style="position:absolute;left:799.28px;top:286.2px;">% </div><div id="a11009" style="position:absolute;font-weight:bold;left:19.2px;top:316.9px;">Interest bearing liabilities: </div><div id="a11030" style="position:absolute;left:19.2px;top:331.9px;"><div style="display:inline-block;width:9.6px">&#160;</div>Deposits </div><div id="a11052" style="position:absolute;left:19.2px;top:346.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>NOW accounts </div><div id="a11057" style="position:absolute;font-weight:bold;left:404.187px;top:346.9px;">$ </div><div id="a11059" style="position:absolute;font-weight:bold;left:432.853px;top:346.9px;">2,156,300 </div><div id="a11062" style="position:absolute;font-weight:bold;left:482.213px;top:346.9px;">$ </div><div id="a11064" style="position:absolute;font-weight:bold;left:524.853px;top:346.9px;">9,029 </div><div id="a11067" style="position:absolute;font-weight:bold;left:573.253px;top:346.9px;">0.42 </div><div id="a11069" style="position:absolute;font-weight:bold;left:595.253px;top:346.9px;">% </div><div id="a11072" style="position:absolute;left:608.213px;top:346.9px;">$ </div><div id="a11074" style="position:absolute;left:637.013px;top:346.9px;">1,120,459 </div><div id="a11077" style="position:absolute;left:686.213px;top:346.9px;">$ </div><div id="a11079" style="position:absolute;left:728.96px;top:346.9px;">6,271 </div><div id="a11082" style="position:absolute;left:777.44px;top:346.9px;">0.56 </div><div id="a11084" style="position:absolute;left:799.28px;top:346.9px;">% </div><div id="a11086" style="position:absolute;left:19.2px;top:361.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Savings accounts </div><div id="a11092" style="position:absolute;font-weight:bold;left:432.853px;top:361.9px;">1,858,416 </div><div id="a11096" style="position:absolute;font-weight:bold;left:524.853px;top:361.9px;">8,380 </div><div id="a11099" style="position:absolute;font-weight:bold;left:573.253px;top:361.9px;">0.45 </div><div id="a11101" style="position:absolute;font-weight:bold;left:595.253px;top:361.9px;">% </div><div id="a11105" style="position:absolute;left:637.013px;top:361.9px;">1,189,205 </div><div id="a11109" style="position:absolute;left:728.96px;top:361.9px;">7,351 </div><div id="a11112" style="position:absolute;left:777.44px;top:361.9px;">0.62 </div><div id="a11114" style="position:absolute;left:799.28px;top:361.9px;">% </div><div id="a11116" style="position:absolute;left:19.2px;top:376.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Time deposits </div><div id="a11122" style="position:absolute;font-weight:bold;left:432.853px;top:376.9px;">1,966,706 </div><div id="a11126" style="position:absolute;font-weight:bold;left:519.493px;top:376.9px;">30,455 </div><div id="a11129" style="position:absolute;font-weight:bold;left:573.253px;top:376.9px;">1.55 </div><div id="a11131" style="position:absolute;font-weight:bold;left:595.253px;top:376.9px;">% </div><div id="a11135" style="position:absolute;left:637.013px;top:376.9px;">1,092,002 </div><div id="a11139" style="position:absolute;left:723.6px;top:376.9px;">15,468 </div><div id="a11142" style="position:absolute;left:777.44px;top:376.9px;">1.42 </div><div id="a11144" style="position:absolute;left:799.28px;top:376.9px;">% </div><div id="a11146" style="position:absolute;left:19.2px;top:391.9px;"><div style="display:inline-block;width:19.28px">&#160;</div>Brokered deposits </div><div id="a11152" style="position:absolute;font-weight:bold;left:441.013px;top:391.9px;">168,728 </div><div id="a11156" style="position:absolute;font-weight:bold;left:524.853px;top:391.9px;">4,132 </div><div id="a11159" style="position:absolute;font-weight:bold;left:573.253px;top:391.9px;">2.45 </div><div id="a11161" style="position:absolute;font-weight:bold;left:595.253px;top:391.9px;">% </div><div id="a11165" style="position:absolute;left:645.093px;top:391.9px;">383,483 </div><div id="a11169" style="position:absolute;left:728.96px;top:391.9px;">9,463 </div><div id="a11172" style="position:absolute;left:777.44px;top:391.9px;">2.47 </div><div id="a11174" style="position:absolute;left:799.28px;top:391.9px;">% </div><div id="a11180" style="position:absolute;font-weight:bold;left:432.853px;top:406.9px;">6,150,150 </div><div id="a11184" style="position:absolute;font-weight:bold;left:519.493px;top:406.9px;">51,996 </div><div id="a11187" style="position:absolute;font-weight:bold;left:573.253px;top:406.9px;">0.85 </div><div id="a11189" style="position:absolute;font-weight:bold;left:595.253px;top:406.9px;">% </div><div id="a11193" style="position:absolute;left:637.013px;top:406.9px;">3,785,149 </div><div id="a11197" style="position:absolute;left:723.6px;top:406.9px;">38,553 </div><div id="a11200" style="position:absolute;left:777.44px;top:406.9px;">1.02 </div><div id="a11202" style="position:absolute;left:799.28px;top:406.9px;">% </div><div id="a11204" style="position:absolute;left:19.2px;top:421.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Non-interest bearing deposit accounts </div><div id="a11212" style="position:absolute;font-weight:bold;left:432.853px;top:421.9px;">2,069,786 </div><div id="a11216" style="position:absolute;font-weight:bold;left:545.973px;top:421.9px;">- </div><div id="a11219" style="position:absolute;font-weight:bold;left:589.013px;top:421.9px;">- </div><div id="a11224" style="position:absolute;left:637.013px;top:421.9px;">1,100,599 </div><div id="a11228" style="position:absolute;left:750px;top:421.9px;">- </div><div id="a11231" style="position:absolute;left:793.04px;top:421.9px;">- </div><div id="a11233" style="position:absolute;left:799.28px;top:421.9px;">% </div><div id="a11235" style="position:absolute;left:19.2px;top:436.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Fair value premium amortization and<div style="display:inline-block;width:3.74px">&#160;</div>core deposit intangible amortization </div><div id="a11241" style="position:absolute;font-weight:bold;left:472.933px;top:436.9px;">- </div><div id="a11245" style="position:absolute;font-weight:bold;left:524.853px;top:436.9px;">8,202 </div><div id="a11248" style="position:absolute;font-weight:bold;left:589.013px;top:436.9px;">- </div><div id="a11253" style="position:absolute;left:676.933px;top:436.9px;">- </div><div id="a11257" style="position:absolute;left:737.04px;top:436.9px;">802 </div><div id="a11260" style="position:absolute;left:793.04px;top:436.9px;">- </div><div id="a11263" style="position:absolute;left:19.2px;top:452.5px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total deposits </div><div id="a11269" style="position:absolute;font-weight:bold;left:432.853px;top:452.5px;">8,219,936 </div><div id="a11273" style="position:absolute;font-weight:bold;left:519.493px;top:452.5px;">60,198 </div><div id="a11276" style="position:absolute;font-weight:bold;left:573.253px;top:452.5px;">0.73 </div><div id="a11278" style="position:absolute;font-weight:bold;left:595.253px;top:452.5px;">% </div><div id="a11282" style="position:absolute;left:637.013px;top:452.5px;">4,885,748 </div><div id="a11286" style="position:absolute;left:723.6px;top:452.5px;">39,355 </div><div id="a11289" style="position:absolute;left:777.44px;top:452.5px;">0.81 </div><div id="a11291" style="position:absolute;left:799.28px;top:452.5px;">% </div><div id="a11293" style="position:absolute;left:19.2px;top:468.2px;">Borrowings </div><div id="a11314" style="position:absolute;left:19.2px;top:483.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Securities sold under agreements to repurchase </div><div id="a11320" style="position:absolute;font-weight:bold;left:446.453px;top:483.3px;">50,874 </div><div id="a11324" style="position:absolute;font-weight:bold;left:524.853px;top:483.3px;">1,335 </div><div id="a11327" style="position:absolute;font-weight:bold;left:573.253px;top:483.3px;">2.63 </div><div id="a11329" style="position:absolute;font-weight:bold;left:595.253px;top:483.3px;">% </div><div id="a11333" style="position:absolute;left:645.093px;top:483.3px;">299,842 </div><div id="a11337" style="position:absolute;left:728.96px;top:483.3px;">7,423 </div><div id="a11340" style="position:absolute;left:777.44px;top:483.3px;">2.48 </div><div id="a11342" style="position:absolute;left:799.28px;top:483.3px;">% </div><div id="a11344" style="position:absolute;left:19.2px;top:498.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Advances from FHLB and other borrowings </div><div id="a11350" style="position:absolute;font-weight:bold;left:446.453px;top:498.2px;">71,314 </div><div id="a11354" style="position:absolute;font-weight:bold;left:524.853px;top:498.2px;">1,988 </div><div id="a11357" style="position:absolute;font-weight:bold;left:573.253px;top:498.2px;">2.79 </div><div id="a11359" style="position:absolute;font-weight:bold;left:595.253px;top:498.2px;">% </div><div id="a11363" style="position:absolute;left:650.533px;top:498.2px;">79,787 </div><div id="a11367" style="position:absolute;left:728.96px;top:498.2px;">2,212 </div><div id="a11370" style="position:absolute;left:777.44px;top:498.2px;">2.77 </div><div id="a11372" style="position:absolute;left:799.28px;top:498.2px;">% </div><div id="a11374" style="position:absolute;left:19.2px;top:513.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Subordinated capital notes </div><div id="a11380" style="position:absolute;font-weight:bold;left:446.453px;top:513.3px;">36,083 </div><div id="a11384" style="position:absolute;font-weight:bold;left:524.853px;top:513.3px;">1,394 </div><div id="a11387" style="position:absolute;font-weight:bold;left:573.253px;top:513.3px;">3.86 </div><div id="a11389" style="position:absolute;font-weight:bold;left:595.253px;top:513.3px;">% </div><div id="a11393" style="position:absolute;left:650.533px;top:513.3px;">36,083 </div><div id="a11397" style="position:absolute;left:728.96px;top:513.3px;">2,012 </div><div id="a11400" style="position:absolute;left:777.44px;top:513.3px;">5.58 </div><div id="a11402" style="position:absolute;left:799.28px;top:513.3px;">% </div><div id="a11404" style="position:absolute;left:19.2px;top:528.9px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total borrowings </div><div id="a11410" style="position:absolute;font-weight:bold;left:441.013px;top:528.9px;">158,271 </div><div id="a11414" style="position:absolute;font-weight:bold;left:524.853px;top:528.9px;">4,717 </div><div id="a11417" style="position:absolute;font-weight:bold;left:573.253px;top:528.9px;">2.98 </div><div id="a11419" style="position:absolute;font-weight:bold;left:595.253px;top:528.9px;">% </div><div id="a11423" style="position:absolute;left:645.093px;top:528.9px;">415,712 </div><div id="a11427" style="position:absolute;left:723.6px;top:528.9px;">11,647 </div><div id="a11430" style="position:absolute;left:777.44px;top:528.9px;">2.80 </div><div id="a11432" style="position:absolute;left:799.28px;top:528.9px;">% </div><div id="a11434" style="position:absolute;left:19.2px;top:544.5px;">Total interest<div style="display:inline-block;width:1.71px">&#160;</div>-bearing liabilities </div><div id="a11440" style="position:absolute;font-weight:bold;left:404.187px;top:544.5px;">$ </div><div id="a11442" style="position:absolute;font-weight:bold;left:432.853px;top:544.5px;">8,378,207 </div><div id="a11445" style="position:absolute;font-weight:bold;left:482.213px;top:544.5px;">$ </div><div id="a11447" style="position:absolute;font-weight:bold;left:519.493px;top:544.5px;">64,915 </div><div id="a11450" style="position:absolute;font-weight:bold;left:573.253px;top:544.5px;">0.77 </div><div id="a11452" style="position:absolute;font-weight:bold;left:595.253px;top:544.5px;">% </div><div id="a11455" style="position:absolute;left:608.213px;top:544.5px;">$ </div><div id="a11457" style="position:absolute;left:637.013px;top:544.5px;">5,301,460 </div><div id="a11460" style="position:absolute;left:686.213px;top:544.5px;">$ </div><div id="a11462" style="position:absolute;left:723.6px;top:544.5px;">51,002 </div><div id="a11465" style="position:absolute;left:777.44px;top:544.5px;">0.96 </div><div id="a11467" style="position:absolute;left:799.28px;top:544.5px;">% </div><div id="a11469" style="position:absolute;left:19.2px;top:561.3px;">Interest rate spread </div><div id="a11476" style="position:absolute;font-weight:bold;left:482.213px;top:561.3px;">$ </div><div id="a11478" style="position:absolute;font-weight:bold;left:514.053px;top:561.3px;">408,432 </div><div id="a11481" style="position:absolute;font-weight:bold;left:573.253px;top:561.3px;">4.51 </div><div id="a11483" style="position:absolute;font-weight:bold;left:595.253px;top:561.3px;">% </div><div id="a11489" style="position:absolute;left:686.213px;top:561.3px;">$ </div><div id="a11491" style="position:absolute;left:718.133px;top:561.3px;">322,793 </div><div id="a11494" style="position:absolute;left:777.44px;top:561.3px;">5.26 </div><div id="a11496" style="position:absolute;left:799.28px;top:561.3px;">% </div><div id="a11498" style="position:absolute;left:19.2px;top:581.3px;">Net interest margin </div><div id="a11508" style="position:absolute;font-weight:bold;left:573.253px;top:581.3px;">4.55 </div><div id="a11510" style="position:absolute;font-weight:bold;left:595.253px;top:581.3px;">% </div><div id="a11519" style="position:absolute;left:777.44px;top:581.3px;">5.37 </div><div id="a11521" style="position:absolute;left:799.28px;top:581.3px;">% </div><div id="a11543" style="position:absolute;font-weight:bold;left:19.2px;top:615.3px;">SOP loan cost recoveries (interest recoveries<div style="display:inline-block;width:4.14px">&#160;</div>in 2020) </div><div id="a11550" style="position:absolute;font-weight:bold;left:482.213px;top:615.3px;">$ </div><div id="a11552" style="position:absolute;font-weight:bold;left:524.853px;top:615.3px;">6,468 </div><div id="a11561" style="position:absolute;left:686.213px;top:615.3px;">$ </div><div id="a11563" style="position:absolute;left:728.96px;top:615.3px;">2,372 </div><div id="a11588" style="position:absolute;font-weight:bold;left:19.2px;top:648.2px;">Adjusted excluding cost/interests<div style="display:inline-block;width:4px">&#160;</div>recoveries (Non-GAAP): </div><div id="a11611" style="position:absolute;left:19.2px;top:663.3px;">Total interest<div style="display:inline-block;width:1.71px">&#160;</div>-earning assets </div><div id="a11617" style="position:absolute;font-weight:bold;left:404.187px;top:663.3px;">$ </div><div id="a11619" style="position:absolute;font-weight:bold;left:432.853px;top:663.3px;">8,966,989 </div><div id="a11622" style="position:absolute;font-weight:bold;left:482.213px;top:663.3px;">$ </div><div id="a11624" style="position:absolute;font-weight:bold;left:514.053px;top:663.3px;">466,879 </div><div id="a11627" style="position:absolute;font-weight:bold;left:573.253px;top:663.3px;">5.21 </div><div id="a11629" style="position:absolute;font-weight:bold;left:595.253px;top:663.3px;">% </div><div id="a11632" style="position:absolute;left:608.213px;top:663.3px;">$ </div><div id="a11634" style="position:absolute;left:637.013px;top:663.3px;">6,012,853 </div><div id="a11637" style="position:absolute;left:686.213px;top:663.3px;">$ </div><div id="a11639" style="position:absolute;left:718.133px;top:663.3px;">371,423 </div><div id="a11642" style="position:absolute;left:777.44px;top:663.3px;">6.18 </div><div id="a11644" style="position:absolute;left:799.28px;top:663.3px;">% </div><div id="a11646" style="position:absolute;left:19.2px;top:679.9px;">Interest rate spread </div><div id="a11653" style="position:absolute;font-weight:bold;left:482.213px;top:679.9px;">$ </div><div id="a11655" style="position:absolute;font-weight:bold;left:514.053px;top:679.9px;">401,964 </div><div id="a11658" style="position:absolute;font-weight:bold;left:573.253px;top:679.9px;">4.44 </div><div id="a11660" style="position:absolute;font-weight:bold;left:595.253px;top:679.9px;">% </div><div id="a11666" style="position:absolute;left:686.213px;top:679.9px;">$ </div><div id="a11668" style="position:absolute;left:718.133px;top:679.9px;">320,421 </div><div id="a11671" style="position:absolute;left:777.44px;top:679.9px;">5.22 </div><div id="a11673" style="position:absolute;left:799.28px;top:679.9px;">% </div><div id="a11675" style="position:absolute;left:19.2px;top:699.9px;">Net interest margin </div><div id="a11685" style="position:absolute;font-weight:bold;left:573.253px;top:699.9px;">4.48 </div><div id="a11687" style="position:absolute;font-weight:bold;left:595.253px;top:699.9px;">% </div><div id="a11696" style="position:absolute;left:777.44px;top:699.9px;">5.33 </div><div id="a11698" style="position:absolute;left:799.28px;top:699.9px;">% </div><div id="a11720" style="position:absolute;font-weight:bold;left:19.2px;top:733.9px;">Core deposits: (Non-GAAP) </div><div id="a11743" style="position:absolute;left:19.2px;top:749px;"><div style="display:inline-block;width:9.6px">&#160;</div>Deposits </div><div id="a11765" style="position:absolute;left:19.2px;top:763.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>NOW accounts </div><div id="a11770" style="position:absolute;left:404.187px;top:763.9px;">$ </div><div id="a11772" style="position:absolute;font-weight:bold;left:432.853px;top:763.9px;">2,156,300 </div><div id="a11775" style="position:absolute;font-weight:bold;left:482.213px;top:763.9px;">$ </div><div id="a11777" style="position:absolute;font-weight:bold;left:524.853px;top:763.9px;">9,029 </div><div id="a11780" style="position:absolute;font-weight:bold;left:573.253px;top:763.9px;">0.42 </div><div id="a11782" style="position:absolute;font-weight:bold;left:595.253px;top:763.9px;">% </div><div id="a11785" style="position:absolute;left:608.213px;top:763.9px;">$ </div><div id="a11787" style="position:absolute;left:637.013px;top:763.9px;">1,120,459 </div><div id="a11790" style="position:absolute;left:686.213px;top:763.9px;">$ </div><div id="a11792" style="position:absolute;left:728.96px;top:763.9px;">6,271 </div><div id="a11795" style="position:absolute;left:777.44px;top:763.9px;">0.56 </div><div id="a11797" style="position:absolute;left:799.28px;top:763.9px;">% </div><div id="a11799" style="position:absolute;left:19.2px;top:779px;"><div style="display:inline-block;width:19.2px">&#160;</div>Savings accounts </div><div id="a11805" style="position:absolute;font-weight:bold;left:432.853px;top:779px;">1,858,416 </div><div id="a11809" style="position:absolute;font-weight:bold;left:524.853px;top:779px;">8,380 </div><div id="a11812" style="position:absolute;font-weight:bold;left:573.253px;top:779px;">0.45 </div><div id="a11814" style="position:absolute;font-weight:bold;left:595.253px;top:779px;">% </div><div id="a11818" style="position:absolute;left:637.013px;top:779px;">1,189,205 </div><div id="a11822" style="position:absolute;left:728.96px;top:779px;">7,351 </div><div id="a11825" style="position:absolute;left:777.44px;top:779px;">0.62 </div><div id="a11827" style="position:absolute;left:799.28px;top:779px;">% </div><div id="a11829" style="position:absolute;left:19.2px;top:793.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Time deposits </div><div id="a11835" style="position:absolute;font-weight:bold;left:432.853px;top:793.9px;">1,966,706 </div><div id="a11839" style="position:absolute;font-weight:bold;left:519.493px;top:793.9px;">30,455 </div><div id="a11842" style="position:absolute;font-weight:bold;left:573.253px;top:793.9px;">1.55 </div><div id="a11844" style="position:absolute;font-weight:bold;left:595.253px;top:793.9px;">% </div><div id="a11848" style="position:absolute;left:637.013px;top:793.9px;">1,092,002 </div><div id="a11852" style="position:absolute;left:723.6px;top:793.9px;">15,468 </div><div id="a11855" style="position:absolute;left:777.44px;top:793.9px;">1.42 </div><div id="a11857" style="position:absolute;left:799.28px;top:793.9px;">% </div><div id="a11863" style="position:absolute;font-weight:bold;left:432.853px;top:809.6px;">5,981,422 </div><div id="a11867" style="position:absolute;font-weight:bold;left:519.493px;top:809.6px;">47,864 </div><div id="a11870" style="position:absolute;font-weight:bold;left:573.253px;top:809.6px;">0.80 </div><div id="a11872" style="position:absolute;font-weight:bold;left:595.253px;top:809.6px;">% </div><div id="a11876" style="position:absolute;left:637.013px;top:809.6px;">3,401,666 </div><div id="a11880" style="position:absolute;left:723.6px;top:809.6px;">29,090 </div><div id="a11883" style="position:absolute;left:777.44px;top:809.6px;">0.86 </div><div id="a11885" style="position:absolute;left:799.28px;top:809.6px;">% </div><div id="a11887" style="position:absolute;left:19.2px;top:824.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Non-interest bearing deposit accounts </div><div id="a11895" style="position:absolute;font-weight:bold;left:432.853px;top:824.6px;">2,069,786 </div><div id="a11899" style="position:absolute;font-weight:bold;left:545.973px;top:824.6px;">- </div><div id="a11902" style="position:absolute;font-weight:bold;left:589.013px;top:824.6px;">- </div><div id="a11904" style="position:absolute;font-weight:bold;left:595.253px;top:824.6px;">% </div><div id="a11908" style="position:absolute;left:637.013px;top:824.6px;">1,100,599 </div><div id="a11912" style="position:absolute;left:750px;top:824.6px;">- </div><div id="a11915" style="position:absolute;left:793.04px;top:824.6px;">- </div><div id="a11917" style="position:absolute;left:799.28px;top:824.6px;">% </div><div id="a11919" style="position:absolute;left:19.2px;top:841.3px;"><div style="display:inline-block;width:28.88px">&#160;</div>Total core<div style="display:inline-block;width:3.81px">&#160;</div>deposits </div><div id="a11924" style="position:absolute;font-weight:bold;left:404.187px;top:841.3px;">$ </div><div id="a11926" style="position:absolute;font-weight:bold;left:432.853px;top:841.3px;">8,051,208 </div><div id="a11929" style="position:absolute;font-weight:bold;left:482.213px;top:841.3px;">$ </div><div id="a11931" style="position:absolute;font-weight:bold;left:519.493px;top:841.3px;">47,864 </div><div id="a11934" style="position:absolute;font-weight:bold;left:573.253px;top:841.3px;">0.59 </div><div id="a11936" style="position:absolute;font-weight:bold;left:595.253px;top:841.3px;">% </div><div id="a11939" style="position:absolute;left:608.213px;top:841.3px;">$ </div><div id="a11941" style="position:absolute;left:637.013px;top:841.3px;">4,502,265 </div><div id="a11944" style="position:absolute;left:686.213px;top:841.3px;">$ </div><div id="a11946" style="position:absolute;left:723.6px;top:841.3px;">29,090 </div><div id="a11949" style="position:absolute;left:777.44px;top:841.3px;">0.65 </div><div id="a11951" style="position:absolute;left:799.28px;top:841.3px;">% </div><div id="a11973" style="position:absolute;left:408.827px;top:874.2px;">10 </div><div id="a11975" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:888.3px;"><div style="display:inline-block;width:3.68px">&#160;</div></div></div>
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<div style="position:absolute; width:387.1px; height:1.3px; left:19.2px; top:132.2px; background-color:#000000;">&#160;</div>
<div id="a11977" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a11979" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a11981" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a12000" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:85px;">Table 6-1: Loan Information and Performance<div style="display:inline-block;width:4.46px">&#160;</div>Statistics (1) </div><div id="a12011" style="position:absolute;font-weight:bold;left:436.453px;top:103.2px;">2020 </div><div id="a12014" style="position:absolute;left:526.453px;top:103.2px;">2020 </div><div id="a12017" style="position:absolute;left:603.413px;top:103.2px;">2020 </div><div id="a12020" style="position:absolute;left:680.453px;top:103.2px;">2020 </div><div id="a12023" style="position:absolute;left:757.44px;top:103.2px;">2019 </div><div id="a12026" style="position:absolute;font-weight:bold;left:19.2px;top:117.7px;">(Dollars in thousands) (unaudited) </div><div id="a12030" style="position:absolute;font-weight:bold;left:440.853px;top:119.2px;">Q4 </div><div id="a12033" style="position:absolute;left:530.933px;top:119.2px;">Q3 </div><div id="a12036" style="position:absolute;left:607.893px;top:119.2px;">Q2 </div><div id="a12039" style="position:absolute;left:684.933px;top:119.2px;">Q1 </div><div id="a12042" style="position:absolute;left:761.92px;top:119.2px;">Q4 </div><div id="a12045" style="position:absolute;font-weight:bold;left:19.2px;top:135.2px;">Net Charge-offs </div><div id="a12049" style="position:absolute;font-size:8px;left:390.667px;top:138.5px;">(21) </div><div id="a12067" style="position:absolute;font-weight:bold;left:19.2px;top:151.2px;">Non-PCD </div><div id="a12088" style="position:absolute;left:19.2px;top:167.2px;">Mortgage: </div><div id="a12107" style="position:absolute;left:19.2px;top:183.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12114" style="position:absolute;font-weight:bold;left:411.227px;top:183.3px;">$ </div><div id="a12116" style="position:absolute;font-weight:bold;left:464.053px;top:183.3px;">225 </div><div id="a12119" style="position:absolute;left:501.253px;top:183.3px;">$ </div><div id="a12121" style="position:absolute;left:559.493px;top:183.3px;">56 </div><div id="a12124" style="position:absolute;left:578.213px;top:183.3px;">$ </div><div id="a12126" style="position:absolute;left:631.013px;top:183.3px;">185 </div><div id="a12129" style="position:absolute;left:655.253px;top:183.3px;">$ </div><div id="a12131" style="position:absolute;left:708.053px;top:183.3px;">418 </div><div id="a12134" style="position:absolute;left:732.24px;top:183.3px;">$ </div><div id="a12136" style="position:absolute;left:776.96px;top:183.3px;">1,075 </div><div id="a12139" style="position:absolute;left:19.2px;top:199.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12145" style="position:absolute;font-weight:bold;left:465.813px;top:199.3px;">(79) </div><div id="a12149" style="position:absolute;left:550.533px;top:199.3px;">(269) </div><div id="a12153" style="position:absolute;left:638.373px;top:199.3px;">(9) </div><div id="a12157" style="position:absolute;left:704.533px;top:199.3px;">(249) </div><div id="a12161" style="position:absolute;left:781.52px;top:199.3px;">(437) </div><div id="a12164" style="position:absolute;left:19.2px;top:215.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total mortgage </div><div id="a12170" style="position:absolute;font-weight:bold;left:464.053px;top:215.3px;">146 </div><div id="a12174" style="position:absolute;left:550.533px;top:215.3px;">(213) </div><div id="a12178" style="position:absolute;left:631.013px;top:215.3px;">176 </div><div id="a12182" style="position:absolute;left:708.053px;top:215.3px;">169 </div><div id="a12186" style="position:absolute;left:785.04px;top:215.3px;">638 </div><div id="a12189" style="position:absolute;left:19.2px;top:231.3px;">Commercial: </div><div id="a12208" style="position:absolute;left:19.2px;top:247.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12216" style="position:absolute;font-weight:bold;left:464.053px;top:247.3px;">413 </div><div id="a12220" style="position:absolute;left:554.053px;top:247.3px;">298 </div><div id="a12224" style="position:absolute;left:631.013px;top:247.3px;">497 </div><div id="a12228" style="position:absolute;left:699.973px;top:247.3px;">3,771 </div><div id="a12232" style="position:absolute;left:785.04px;top:247.3px;">463 </div><div id="a12235" style="position:absolute;left:19.2px;top:263.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12241" style="position:absolute;font-weight:bold;left:460.373px;top:263.3px;">(334) </div><div id="a12245" style="position:absolute;left:550.533px;top:263.3px;">(253) </div><div id="a12249" style="position:absolute;left:627.493px;top:263.3px;">(631) </div><div id="a12253" style="position:absolute;left:696.533px;top:263.3px;">(1,522) </div><div id="a12257" style="position:absolute;left:781.52px;top:263.3px;">(606) </div><div id="a12260" style="position:absolute;left:19.2px;top:279.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total commercial </div><div id="a12266" style="position:absolute;font-weight:bold;left:469.493px;top:279.3px;">79 </div><div id="a12270" style="position:absolute;left:559.493px;top:279.3px;">45 </div><div id="a12274" style="position:absolute;left:627.493px;top:279.3px;">(134) </div><div id="a12278" style="position:absolute;left:699.973px;top:279.3px;">2,249 </div><div id="a12282" style="position:absolute;left:781.52px;top:279.3px;">(143) </div><div id="a12285" style="position:absolute;left:19.2px;top:295.3px;">Consumer: </div><div id="a12304" style="position:absolute;left:19.2px;top:311.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12312" style="position:absolute;font-weight:bold;left:455.893px;top:311.3px;">6,456 </div><div id="a12316" style="position:absolute;left:545.973px;top:311.3px;">5,114 </div><div id="a12320" style="position:absolute;left:622.933px;top:311.3px;">4,187 </div><div id="a12324" style="position:absolute;left:699.973px;top:311.3px;">6,015 </div><div id="a12328" style="position:absolute;left:776.96px;top:311.3px;">5,289 </div><div id="a12331" style="position:absolute;left:19.2px;top:327.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12337" style="position:absolute;font-weight:bold;left:452.213px;top:327.3px;">(1,832) </div><div id="a12341" style="position:absolute;left:550.533px;top:327.3px;">(663) </div><div id="a12345" style="position:absolute;left:627.493px;top:327.3px;">(443) </div><div id="a12349" style="position:absolute;left:704.533px;top:327.3px;">(644) </div><div id="a12353" style="position:absolute;left:781.52px;top:327.3px;">(196) </div><div id="a12356" style="position:absolute;left:19.2px;top:343.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total consumer </div><div id="a12362" style="position:absolute;font-weight:bold;left:455.893px;top:343.3px;">4,624 </div><div id="a12366" style="position:absolute;left:545.973px;top:343.3px;">4,451 </div><div id="a12370" style="position:absolute;left:622.933px;top:343.3px;">3,744 </div><div id="a12374" style="position:absolute;left:699.973px;top:343.3px;">5,371 </div><div id="a12378" style="position:absolute;left:776.96px;top:343.3px;">5,093 </div><div id="a12381" style="position:absolute;left:19.2px;top:359.3px;">Auto: </div><div id="a12400" style="position:absolute;left:19.2px;top:375.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12408" style="position:absolute;font-weight:bold;left:450.533px;top:375.3px;">12,071 </div><div id="a12412" style="position:absolute;left:540.613px;top:375.3px;">10,123 </div><div id="a12416" style="position:absolute;left:617.573px;top:375.3px;">13,300 </div><div id="a12420" style="position:absolute;left:694.613px;top:375.3px;">13,053 </div><div id="a12424" style="position:absolute;left:771.6px;top:375.3px;">12,930 </div><div id="a12427" style="position:absolute;left:19.2px;top:391.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12433" style="position:absolute;font-weight:bold;left:452.213px;top:391.3px;">(5,928) </div><div id="a12437" style="position:absolute;left:542.533px;top:391.3px;">(5,950) </div><div id="a12441" style="position:absolute;left:619.493px;top:391.3px;">(3,405) </div><div id="a12445" style="position:absolute;left:696.533px;top:391.3px;">(4,211) </div><div id="a12449" style="position:absolute;left:773.52px;top:391.3px;">(4,123) </div><div id="a12452" style="position:absolute;left:19.2px;top:407.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total auto </div><div id="a12458" style="position:absolute;font-weight:bold;left:455.893px;top:407.3px;">6,143 </div><div id="a12462" style="position:absolute;left:545.973px;top:407.3px;">4,173 </div><div id="a12466" style="position:absolute;left:622.933px;top:407.3px;">9,895 </div><div id="a12470" style="position:absolute;left:699.973px;top:407.3px;">8,842 </div><div id="a12474" style="position:absolute;left:776.96px;top:407.3px;">8,807 </div><div id="a12477" style="position:absolute;left:19.2px;top:423.3px;"><div style="display:inline-block;width:24px">&#160;</div>Total </div><div id="a12482" style="position:absolute;font-weight:bold;left:411.227px;top:423.3px;">$ </div><div id="a12484" style="position:absolute;font-weight:bold;left:450.533px;top:423.3px;">10,992 </div><div id="a12487" style="position:absolute;left:501.253px;top:423.3px;">$ </div><div id="a12489" style="position:absolute;left:545.973px;top:423.3px;">8,456 </div><div id="a12492" style="position:absolute;left:578.213px;top:423.3px;">$ </div><div id="a12494" style="position:absolute;left:617.573px;top:423.3px;">13,681 </div><div id="a12497" style="position:absolute;left:655.253px;top:423.3px;">$ </div><div id="a12499" style="position:absolute;left:694.613px;top:423.3px;">16,631 </div><div id="a12502" style="position:absolute;left:732.24px;top:423.3px;">$ </div><div id="a12504" style="position:absolute;left:771.6px;top:423.3px;">14,395 </div><div id="a12525" style="position:absolute;font-weight:bold;left:19.2px;top:455.3px;">PCD </div><div id="a12544" style="position:absolute;left:19.2px;top:471.3px;">Mortgage: </div><div id="a12563" style="position:absolute;left:19.2px;top:487.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12570" style="position:absolute;font-weight:bold;left:411.227px;top:487.3px;">$ </div><div id="a12572" style="position:absolute;font-weight:bold;left:455.893px;top:487.3px;">1,344 </div><div id="a12575" style="position:absolute;left:501.253px;top:487.3px;">$ </div><div id="a12577" style="position:absolute;left:545.973px;top:487.3px;">1,677 </div><div id="a12580" style="position:absolute;left:578.213px;top:487.3px;">$ </div><div id="a12582" style="position:absolute;left:622.933px;top:487.3px;">2,178 </div><div id="a12585" style="position:absolute;left:655.253px;top:487.3px;">$ </div><div id="a12587" style="position:absolute;left:699.973px;top:487.3px;">5,143 </div><div id="a12590" style="position:absolute;left:732.24px;top:487.3px;">$ </div><div id="a12592" style="position:absolute;left:798px;top:487.3px;">- </div><div id="a12595" style="position:absolute;left:19.2px;top:503.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12601" style="position:absolute;font-weight:bold;left:465.813px;top:503.3px;">(63) </div><div id="a12605" style="position:absolute;left:555.973px;top:503.3px;">(89) </div><div id="a12609" style="position:absolute;left:627.493px;top:503.3px;">(580) </div><div id="a12613" style="position:absolute;left:704.533px;top:503.3px;">(122) </div><div id="a12617" style="position:absolute;left:798px;top:503.3px;">- </div><div id="a12620" style="position:absolute;left:19.2px;top:519.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total mortgage </div><div id="a12626" style="position:absolute;font-weight:bold;left:455.893px;top:519.3px;">1,281 </div><div id="a12630" style="position:absolute;left:545.973px;top:519.3px;">1,588 </div><div id="a12634" style="position:absolute;left:622.933px;top:519.3px;">1,598 </div><div id="a12638" style="position:absolute;left:699.973px;top:519.3px;">5,021 </div><div id="a12642" style="position:absolute;left:798px;top:519.3px;">- </div><div id="a12645" style="position:absolute;left:19.2px;top:535.3px;">Commercial: </div><div id="a12664" style="position:absolute;left:19.2px;top:551.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12672" style="position:absolute;font-weight:bold;left:450.533px;top:551.3px;">33,061 </div><div id="a12674" style="position:absolute;font-size:8px;font-weight:bold;left:487.733px;top:554.5px;">(a) </div><div id="a12677" style="position:absolute;left:554.053px;top:551.3px;">293 </div><div id="a12681" style="position:absolute;left:631.013px;top:551.3px;">386 </div><div id="a12685" style="position:absolute;left:699.973px;top:551.3px;">2,357 </div><div id="a12689" style="position:absolute;left:798px;top:551.3px;">- </div><div id="a12692" style="position:absolute;left:19.2px;top:567.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12698" style="position:absolute;font-weight:bold;left:460.373px;top:567.3px;">(234) </div><div id="a12702" style="position:absolute;left:555.973px;top:567.3px;">(91) </div><div id="a12706" style="position:absolute;left:627.493px;top:567.3px;">(286) </div><div id="a12710" style="position:absolute;left:704.533px;top:567.3px;">(375) </div><div id="a12714" style="position:absolute;left:798px;top:567.3px;">- </div><div id="a12717" style="position:absolute;left:19.2px;top:583.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total commercial </div><div id="a12723" style="position:absolute;font-weight:bold;left:450.533px;top:583.3px;">32,827 </div><div id="a12727" style="position:absolute;left:554.053px;top:583.3px;">202 </div><div id="a12731" style="position:absolute;left:631.013px;top:583.3px;">100 </div><div id="a12735" style="position:absolute;left:699.973px;top:583.3px;">1,982 </div><div id="a12739" style="position:absolute;left:798px;top:583.3px;">- </div><div id="a12742" style="position:absolute;left:19.2px;top:599.3px;">Consumer: </div><div id="a12761" style="position:absolute;left:19.2px;top:615.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12769" style="position:absolute;font-weight:bold;left:469.493px;top:615.3px;">21 </div><div id="a12773" style="position:absolute;left:559.493px;top:615.3px;">60 </div><div id="a12777" style="position:absolute;left:636.453px;top:615.3px;">30 </div><div id="a12781" style="position:absolute;left:708.053px;top:615.3px;">431 </div><div id="a12785" style="position:absolute;left:798px;top:615.3px;">- </div><div id="a12788" style="position:absolute;left:19.2px;top:631.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12794" style="position:absolute;font-weight:bold;left:460.373px;top:631.3px;">(200) </div><div id="a12798" style="position:absolute;left:564.853px;top:631.3px;">1 </div><div id="a12802" style="position:absolute;left:632.933px;top:631.3px;">(30) </div><div id="a12806" style="position:absolute;left:709.973px;top:631.3px;">(63) </div><div id="a12810" style="position:absolute;left:798px;top:631.3px;">- </div><div id="a12813" style="position:absolute;left:19.2px;top:647.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total consumer </div><div id="a12819" style="position:absolute;font-weight:bold;left:460.373px;top:647.3px;">(179) </div><div id="a12823" style="position:absolute;left:559.493px;top:647.3px;">61 </div><div id="a12827" style="position:absolute;left:643.973px;top:647.3px;">- </div><div id="a12831" style="position:absolute;left:708.053px;top:647.3px;">368 </div><div id="a12835" style="position:absolute;left:798px;top:647.3px;">- </div><div id="a12838" style="position:absolute;left:19.2px;top:663.3px;">Auto: </div><div id="a12857" style="position:absolute;left:19.2px;top:679.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Charge-offs </div><div id="a12865" style="position:absolute;font-weight:bold;left:464.053px;top:679.3px;">574 </div><div id="a12869" style="position:absolute;left:554.053px;top:679.3px;">474 </div><div id="a12873" style="position:absolute;left:631.013px;top:679.3px;">600 </div><div id="a12877" style="position:absolute;left:708.053px;top:679.3px;">375 </div><div id="a12881" style="position:absolute;left:798px;top:679.3px;">- </div><div id="a12884" style="position:absolute;left:19.2px;top:695.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Recoveries </div><div id="a12890" style="position:absolute;font-weight:bold;left:460.373px;top:695.3px;">(681) </div><div id="a12894" style="position:absolute;left:550.533px;top:695.3px;">(211) </div><div id="a12898" style="position:absolute;left:627.493px;top:695.3px;">(229) </div><div id="a12902" style="position:absolute;left:704.533px;top:695.3px;">(343) </div><div id="a12906" style="position:absolute;left:798px;top:695.3px;">- </div><div id="a12909" style="position:absolute;left:19.2px;top:711.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Total auto </div><div id="a12915" style="position:absolute;font-weight:bold;left:460.373px;top:711.3px;">(107) </div><div id="a12919" style="position:absolute;left:554.053px;top:711.3px;">263 </div><div id="a12923" style="position:absolute;left:631.013px;top:711.3px;">371 </div><div id="a12927" style="position:absolute;left:713.493px;top:711.3px;">32 </div><div id="a12931" style="position:absolute;left:798px;top:711.3px;">- </div><div id="a12934" style="position:absolute;left:19.2px;top:727.3px;"><div style="display:inline-block;width:24px">&#160;</div>Total </div><div id="a12939" style="position:absolute;font-weight:bold;left:411.227px;top:727.3px;">$ </div><div id="a12941" style="position:absolute;font-weight:bold;left:450.533px;top:727.3px;">33,822 </div><div id="a12943" style="position:absolute;font-size:8px;font-weight:bold;left:487.733px;top:730.5px;">(a) </div><div id="a12945" style="position:absolute;left:501.253px;top:727.3px;">$ </div><div id="a12947" style="position:absolute;left:545.973px;top:727.3px;">2,114 </div><div id="a12950" style="position:absolute;left:578.213px;top:727.3px;"><div style="display:inline-block;width:2.4px">&#160;</div>$<div style="display:inline-block;width:2.45px">&#160;</div></div><div id="a12953" style="position:absolute;left:622.933px;top:727.3px;">2,069 </div><div id="a12956" style="position:absolute;left:655.253px;top:727.3px;"><div style="display:inline-block;width:2.4px">&#160;</div>$<div style="display:inline-block;width:2.45px">&#160;</div></div><div id="a12959" style="position:absolute;left:699.973px;top:727.3px;">7,403 </div><div id="a12962" style="position:absolute;left:732.24px;top:727.3px;"><div style="display:inline-block;width:2.4px">&#160;</div>$<div style="display:inline-block;width:2.45px">&#160;</div></div><div id="a12965" style="position:absolute;left:798px;top:727.3px;">- </div><div id="a12986" style="position:absolute;font-weight:bold;left:19.2px;top:759.3px;">Total Net Charge<div style="display:inline-block;width:1.47px">&#160;</div>-offs </div><div id="a12992" style="position:absolute;font-weight:bold;left:411.227px;top:759.3px;">$ </div><div id="a12994" style="position:absolute;font-weight:bold;left:450.533px;top:759.3px;">44,814 </div><div id="a12997" style="position:absolute;left:501.253px;top:759.3px;">$ </div><div id="a12999" style="position:absolute;left:540.613px;top:759.3px;">10,570 </div><div id="a13002" style="position:absolute;left:578.213px;top:759.3px;">$ </div><div id="a13004" style="position:absolute;left:617.573px;top:759.3px;">15,750 </div><div id="a13007" style="position:absolute;left:655.253px;top:759.3px;">$ </div><div id="a13009" style="position:absolute;left:694.613px;top:759.3px;">24,034 </div><div id="a13012" style="position:absolute;left:732.24px;top:759.3px;">$ </div><div id="a13014" style="position:absolute;left:771.6px;top:759.3px;">14,395 </div><div id="a13017" style="position:absolute;font-weight:bold;left:19.2px;top:775.3px;">Net Charge-off Rates </div><div id="a13021" style="position:absolute;font-size:8px;left:390.667px;top:778.5px;">(21) </div><div id="a13039" style="position:absolute;left:19.2px;top:791.3px;">Mortgage </div><div id="a13044" style="position:absolute;font-weight:bold;left:456.373px;top:791.3px;">0.25% </div><div id="a13048" style="position:absolute;left:546.693px;top:791.3px;">0.24% </div><div id="a13052" style="position:absolute;left:623.653px;top:791.3px;">0.30% </div><div id="a13056" style="position:absolute;left:700.693px;top:791.3px;">0.86% </div><div id="a13060" style="position:absolute;left:777.68px;top:791.3px;">0.24% </div><div id="a13063" style="position:absolute;left:19.2px;top:807.3px;">Commercial<div 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style="position:absolute;left:700.693px;top:823.3px;">4.63% </div><div id="a13111" style="position:absolute;left:777.68px;top:823.3px;">5.15% </div><div id="a13114" style="position:absolute;left:19.2px;top:839.3px;">Auto </div><div id="a13119" style="position:absolute;font-weight:bold;left:456.373px;top:839.3px;">1.56% </div><div id="a13123" style="position:absolute;left:546.693px;top:839.3px;">1.17% </div><div id="a13127" style="position:absolute;left:623.653px;top:839.3px;">2.72% </div><div id="a13131" style="position:absolute;left:700.693px;top:839.3px;">2.31% </div><div id="a13135" style="position:absolute;left:777.68px;top:839.3px;">2.73% </div><div id="a13138" style="position:absolute;left:19.2px;top:855.3px;"><div style="display:inline-block;width:24px">&#160;</div>Total </div><div id="a13144" style="position:absolute;font-weight:bold;left:456.373px;top:855.3px;">2.67% </div><div id="a13146" style="position:absolute;font-size:8px;font-weight:bold;left:487.733px;top:858.5px;">(a) </div><div id="a13149" style="position:absolute;left:546.693px;top:855.3px;">0.62% </div><div id="a13153" style="position:absolute;left:623.653px;top:855.3px;">0.92% </div><div id="a13157" style="position:absolute;left:700.693px;top:855.3px;">1.44% </div><div id="a13161" style="position:absolute;left:777.68px;top:855.3px;">1.28% </div><div id="a13164" style="position:absolute;font-weight:bold;left:19.2px;top:871.3px;">Average Loans Held For Investment </div><div id="a13166" style="position:absolute;font-size:8px;left:390.667px;top:874.5px;">(21) </div><div id="a13184" style="position:absolute;left:19.2px;top:887.3px;">Mortgage </div><div id="a13188" style="position:absolute;font-weight:bold;left:411.227px;top:887.3px;">$ </div><div id="a13190" style="position:absolute;font-weight:bold;left:436.933px;top:887.3px;">2,305,495 </div><div id="a13193" style="position:absolute;left:501.253px;top:887.3px;">$ </div><div id="a13195" style="position:absolute;left:527.093px;top:887.3px;">2,325,756 </div><div id="a13198" style="position:absolute;left:578.213px;top:887.3px;">$ </div><div id="a13200" style="position:absolute;left:604.053px;top:887.3px;">2,366,600 </div><div id="a13203" style="position:absolute;left:655.253px;top:887.3px;">$ </div><div id="a13205" style="position:absolute;left:681.093px;top:887.3px;">2,414,685 </div><div id="a13208" style="position:absolute;left:732.24px;top:887.3px;">$ </div><div id="a13210" style="position:absolute;left:758.08px;top:887.3px;">1,062,845 </div><div id="a13213" style="position:absolute;left:19.2px;top:903.3px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a13218" style="position:absolute;font-weight:bold;left:436.933px;top:903.3px;">2,416,703 </div><div id="a13222" style="position:absolute;left:527.093px;top:903.3px;">2,484,977 </div><div id="a13226" style="position:absolute;left:604.053px;top:903.3px;">2,484,573 </div><div id="a13230" style="position:absolute;left:681.093px;top:903.3px;">2,239,684 </div><div id="a13234" style="position:absolute;left:758.08px;top:903.3px;">1,753,069 </div><div id="a13237" style="position:absolute;left:19.2px;top:919.3px;">Consumer </div><div id="a13242" style="position:absolute;font-weight:bold;left:445.093px;top:919.3px;">434,565 </div><div id="a13246" style="position:absolute;left:535.173px;top:919.3px;">457,620 </div><div id="a13250" style="position:absolute;left:612.133px;top:919.3px;">479,957 </div><div id="a13254" style="position:absolute;left:689.173px;top:919.3px;">496,313 </div><div id="a13258" style="position:absolute;left:766.16px;top:919.3px;">395,611 </div><div id="a13261" style="position:absolute;left:19.2px;top:935.3px;">Auto </div><div id="a13266" style="position:absolute;font-weight:bold;left:436.933px;top:935.3px;">1,551,521 </div><div id="a13270" style="position:absolute;left:527.093px;top:935.3px;">1,518,669 </div><div id="a13274" style="position:absolute;left:604.053px;top:935.3px;">1,509,521 </div><div id="a13278" style="position:absolute;left:681.093px;top:935.3px;">1,537,194 </div><div id="a13282" style="position:absolute;left:758.08px;top:935.3px;">1,288,546 </div><div id="a13285" style="position:absolute;left:19.2px;top:951.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a13290" style="position:absolute;font-weight:bold;left:411.227px;top:951.3px;">$ </div><div id="a13292" style="position:absolute;font-weight:bold;left:436.933px;top:951.3px;">6,708,284 </div><div id="a13295" style="position:absolute;left:501.253px;top:951.3px;">$ </div><div id="a13297" style="position:absolute;left:527.093px;top:951.3px;">6,787,022 </div><div id="a13300" style="position:absolute;left:578.213px;top:951.3px;">$ </div><div id="a13302" style="position:absolute;left:604.053px;top:951.3px;">6,840,650 </div><div id="a13305" style="position:absolute;left:655.253px;top:951.3px;">$ </div><div id="a13307" style="position:absolute;left:681.093px;top:951.3px;">6,687,875 </div><div id="a13310" style="position:absolute;left:732.24px;top:951.3px;">$ </div><div id="a13312" style="position:absolute;left:758.08px;top:951.3px;">4,500,071 </div></div>
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<div id="a13333" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a13335" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a13337" style="position:absolute;left:19.2px;top:68.2px;">(a) During 4Q 2020, commercial charge-offs reflected<div style="display:inline-block;width:3.98px">&#160;</div>$31.2 million from two commercial non-performing PCD<div style="display:inline-block;width:3.75px">&#160;</div>loans from the government and hospital sectors,<div style="display:inline-block;width:3.79px">&#160;</div>reducing loan balance </div><div id="a13342" style="position:absolute;left:19.2px;top:81.2px;">and their corresponding allowance for credit losses by<div style="display:inline-block;width:3.74px">&#160;</div>that amount. </div><div id="a13364" style="position:absolute;left:406.347px;top:111.2px;">11 </div><div id="a13367" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:124.2px;"><div style="display:inline-block;width:3.68px">&#160;</div></div></div>
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style="position:absolute;left:659.733px;top:85.2px;">2020 </div><div id="a13393" style="position:absolute;left:746.8px;top:85.2px;">2019 </div><div id="a13395" style="position:absolute;font-weight:bold;left:19.2px;top:99.7px;">(Dollars in thousands) (unaudited) </div><div id="a13399" style="position:absolute;font-weight:bold;left:442.133px;top:101.2px;">Q4 </div><div id="a13402" style="position:absolute;left:516.213px;top:101.2px;">Q3 </div><div id="a13405" style="position:absolute;left:590.213px;top:101.2px;">Q2 </div><div id="a13408" style="position:absolute;left:664.213px;top:101.2px;">Q1 </div><div id="a13411" style="position:absolute;left:751.28px;top:101.2px;">Q4 </div><div id="a13413" style="position:absolute;font-weight:bold;left:19.2px;top:117.2px;">Early Delinquency (30 - 89 days past due) </div><div id="a13434" style="position:absolute;left:19.2px;top:132.2px;">Mortgage </div><div id="a13438" style="position:absolute;font-weight:bold;left:416.187px;top:132.2px;">$ </div><div id="a13440" style="position:absolute;font-weight:bold;left:448.133px;top:132.2px;">22,339 </div><div id="a13443" style="position:absolute;left:490.213px;top:132.2px;">$ </div><div id="a13445" style="position:absolute;left:522.213px;top:132.2px;">16,783 </div><div id="a13448" style="position:absolute;left:564.213px;top:132.2px;">$ </div><div id="a13450" style="position:absolute;left:596.213px;top:132.2px;">15,665 </div><div id="a13453" style="position:absolute;left:638.213px;top:132.2px;">$ </div><div id="a13455" style="position:absolute;left:670.213px;top:132.2px;">20,518 </div><div id="a13458" style="position:absolute;left:725.28px;top:132.2px;">$ </div><div id="a13460" style="position:absolute;left:757.28px;top:132.2px;">22,389 </div><div id="a13462" style="position:absolute;left:19.2px;top:147.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a13467" style="position:absolute;font-weight:bold;left:453.493px;top:147.2px;">8,043 </div><div id="a13471" style="position:absolute;left:527.573px;top:147.2px;">5,151 </div><div id="a13475" style="position:absolute;left:601.573px;top:147.2px;">7,704 </div><div id="a13479" style="position:absolute;left:675.573px;top:147.2px;">6,074 </div><div id="a13483" style="position:absolute;left:762.64px;top:147.2px;">9,895 </div><div id="a13485" style="position:absolute;left:19.2px;top:162.2px;">Consumer </div><div id="a13490" style="position:absolute;font-weight:bold;left:448.133px;top:162.2px;">12,230 </div><div id="a13494" style="position:absolute;left:522.213px;top:162.2px;">12,032 </div><div id="a13498" style="position:absolute;left:596.213px;top:162.2px;">18,254 </div><div id="a13502" style="position:absolute;left:670.213px;top:162.2px;">13,127 </div><div id="a13506" style="position:absolute;left:762.64px;top:162.2px;">9,560 </div><div id="a13508" style="position:absolute;left:19.2px;top:177.3px;">Auto </div><div id="a13513" style="position:absolute;font-weight:bold;left:448.133px;top:177.3px;">88,357 </div><div id="a13517" style="position:absolute;left:522.213px;top:177.3px;">87,912 </div><div id="a13521" style="position:absolute;left:596.213px;top:177.3px;">89,825 </div><div id="a13525" style="position:absolute;left:664.773px;top:177.3px;">110,959 </div><div id="a13529" style="position:absolute;left:751.84px;top:177.3px;">103,749 </div><div id="a13531" style="position:absolute;left:19.2px;top:193.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a13536" style="position:absolute;font-weight:bold;left:416.187px;top:193.3px;">$ </div><div id="a13538" style="position:absolute;font-weight:bold;left:442.693px;top:193.3px;">130,969 </div><div id="a13541" style="position:absolute;left:490.213px;top:193.3px;">$ </div><div id="a13543" style="position:absolute;left:516.773px;top:193.3px;">121,878 </div><div id="a13546" style="position:absolute;left:564.213px;top:193.3px;">$ </div><div id="a13548" style="position:absolute;left:590.773px;top:193.3px;">131,448 </div><div id="a13551" style="position:absolute;left:638.213px;top:193.3px;">$ </div><div id="a13553" style="position:absolute;left:664.773px;top:193.3px;">150,678 </div><div id="a13555" style="position:absolute;font-size:8px;left:708.213px;top:196.5px;">(a) </div><div id="a13557" style="position:absolute;left:725.28px;top:193.3px;">$ </div><div id="a13559" style="position:absolute;left:751.84px;top:193.3px;">145,593 </div><div id="a13561" style="position:absolute;font-weight:bold;left:19.2px;top:210.2px;">Early Delinquency Rates (30 - 89 days past due) </div><div id="a13582" style="position:absolute;left:19.2px;top:225.3px;">Mortgage </div><div id="a13587" style="position:absolute;font-weight:bold;left:453.973px;top:225.3px;">2.71% </div><div id="a13591" style="position:absolute;left:528.293px;top:225.3px;">1.98% </div><div id="a13595" style="position:absolute;left:602.293px;top:225.3px;">1.79% </div><div id="a13599" style="position:absolute;left:676.293px;top:225.3px;">2.31% </div><div id="a13603" style="position:absolute;left:763.36px;top:225.3px;">2.49% </div><div id="a13605" style="position:absolute;left:19.2px;top:240.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a13610" style="position:absolute;font-weight:bold;left:453.973px;top:240.2px;">0.44% </div><div id="a13614" style="position:absolute;left:528.293px;top:240.2px;">0.29% </div><div id="a13618" style="position:absolute;left:602.293px;top:240.2px;">0.40% </div><div id="a13622" style="position:absolute;left:676.293px;top:240.2px;">0.32% </div><div id="a13626" style="position:absolute;left:763.36px;top:240.2px;">0.53% </div><div id="a13628" style="position:absolute;left:19.2px;top:255.3px;">Consumer </div><div id="a13633" style="position:absolute;font-weight:bold;left:453.973px;top:255.3px;">2.96% </div><div id="a13637" style="position:absolute;left:528.293px;top:255.3px;">2.77% </div><div id="a13641" style="position:absolute;left:602.293px;top:255.3px;">3.98% </div><div id="a13645" style="position:absolute;left:676.293px;top:255.3px;">2.73% </div><div id="a13649" style="position:absolute;left:763.36px;top:255.3px;">1.93% </div><div id="a13651" style="position:absolute;left:19.2px;top:270.2px;">Auto </div><div id="a13656" style="position:absolute;font-weight:bold;left:453.973px;top:270.2px;">5.76% </div><div id="a13660" style="position:absolute;left:528.293px;top:270.2px;">5.81% </div><div id="a13664" style="position:absolute;left:602.293px;top:270.2px;">6.17% </div><div id="a13668" style="position:absolute;left:676.293px;top:270.2px;">7.46% </div><div id="a13672" style="position:absolute;left:763.36px;top:270.2px;">7.01% </div><div id="a13674" style="position:absolute;left:19.2px;top:286.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a13680" style="position:absolute;font-weight:bold;left:453.973px;top:286.2px;">2.68% </div><div id="a13684" style="position:absolute;left:528.293px;top:286.2px;">2.50% </div><div id="a13688" style="position:absolute;left:602.293px;top:286.2px;">2.64% </div><div id="a13692" style="position:absolute;left:676.293px;top:286.2px;">3.16% </div><div id="a13696" style="position:absolute;left:763.36px;top:286.2px;">3.07% </div><div id="a13698" style="position:absolute;font-weight:bold;left:19.2px;top:303.3px;">Total Delinquency (30 days<div style="display:inline-block;width:3.96px">&#160;</div>and over past due) </div><div id="a13716" style="position:absolute;left:19.2px;top:318.2px;">Mortgage: </div><div id="a13734" style="position:absolute;left:19.2px;top:333.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Traditional, Non traditional,<div style="display:inline-block;width:3.87px">&#160;</div>and Loans under Loss Mitigation </div><div id="a13739" style="position:absolute;font-weight:bold;left:416.187px;top:333.3px;">$ </div><div id="a13741" style="position:absolute;font-weight:bold;left:448.133px;top:333.3px;">67,671 </div><div id="a13744" style="position:absolute;left:490.213px;top:333.3px;">$ </div><div id="a13746" style="position:absolute;left:522.213px;top:333.3px;">51,123 </div><div id="a13749" style="position:absolute;left:564.213px;top:333.3px;">$ </div><div id="a13751" style="position:absolute;left:596.213px;top:333.3px;">40,719 </div><div id="a13754" style="position:absolute;left:638.213px;top:333.3px;">$ </div><div id="a13756" style="position:absolute;left:670.213px;top:333.3px;">46,768 </div><div id="a13759" style="position:absolute;left:725.28px;top:333.3px;">$ </div><div id="a13761" style="position:absolute;left:757.28px;top:333.3px;">41,314 </div><div id="a13763" style="position:absolute;left:19.2px;top:348.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>GNMA&apos;s buy-back option program </div><div id="a13771" style="position:absolute;font-weight:bold;left:448.133px;top:348.2px;">56,193 </div><div id="a13775" style="position:absolute;left:522.213px;top:348.2px;">62,651 </div><div id="a13779" style="position:absolute;left:596.213px;top:348.2px;">75,091 </div><div id="a13783" style="position:absolute;left:670.213px;top:348.2px;">75,314 </div><div id="a13787" style="position:absolute;left:757.28px;top:348.2px;">75,181 </div><div id="a13789" style="position:absolute;left:19.2px;top:363.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total mortgage </div><div id="a13795" style="position:absolute;font-weight:bold;left:442.693px;top:363.3px;">123,864 </div><div id="a13799" style="position:absolute;left:516.773px;top:363.3px;">113,774 </div><div id="a13803" style="position:absolute;left:590.773px;top:363.3px;">115,810 </div><div id="a13807" style="position:absolute;left:664.773px;top:363.3px;">122,082 </div><div id="a13811" style="position:absolute;left:751.84px;top:363.3px;">116,495 </div><div id="a13813" style="position:absolute;left:19.2px;top:378.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a13818" style="position:absolute;font-weight:bold;left:448.133px;top:378.2px;">30,604 </div><div id="a13822" style="position:absolute;left:522.213px;top:378.2px;">35,596 </div><div id="a13826" style="position:absolute;left:596.213px;top:378.2px;">38,258 </div><div id="a13830" style="position:absolute;left:670.213px;top:378.2px;">33,746 </div><div id="a13834" style="position:absolute;left:757.28px;top:378.2px;">30,111 </div><div id="a13836" style="position:absolute;left:19.2px;top:393.3px;">Consumer </div><div id="a13841" style="position:absolute;font-weight:bold;left:448.133px;top:393.3px;">17,147 </div><div id="a13845" style="position:absolute;left:522.213px;top:393.3px;">17,080 </div><div id="a13849" style="position:absolute;left:596.213px;top:393.3px;">22,796 </div><div id="a13853" style="position:absolute;left:670.213px;top:393.3px;">16,808 </div><div id="a13857" style="position:absolute;left:757.28px;top:393.3px;">12,258 </div><div id="a13859" style="position:absolute;left:19.2px;top:408.2px;">Auto </div><div id="a13864" style="position:absolute;font-weight:bold;left:442.693px;top:408.2px;">108,842 </div><div id="a13868" style="position:absolute;left:516.773px;top:408.2px;">109,735 </div><div id="a13872" style="position:absolute;left:590.773px;top:408.2px;">100,027 </div><div id="a13876" style="position:absolute;left:664.773px;top:408.2px;">131,715 </div><div id="a13880" style="position:absolute;left:751.84px;top:408.2px;">118,020 </div><div id="a13882" style="position:absolute;left:19.2px;top:424.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a13887" style="position:absolute;font-weight:bold;left:416.187px;top:424.2px;">$ </div><div id="a13889" style="position:absolute;font-weight:bold;left:442.693px;top:424.2px;">280,457 </div><div id="a13892" style="position:absolute;left:490.213px;top:424.2px;">$ </div><div id="a13894" style="position:absolute;left:516.773px;top:424.2px;">276,185 </div><div id="a13897" style="position:absolute;left:564.213px;top:424.2px;">$ </div><div id="a13899" style="position:absolute;left:590.773px;top:424.2px;">276,891 </div><div id="a13902" style="position:absolute;left:638.213px;top:424.2px;">$ </div><div id="a13904" style="position:absolute;left:664.773px;top:424.2px;">304,351 </div><div id="a13906" style="position:absolute;font-size:8px;left:708.213px;top:427.5px;">(a) </div><div id="a13908" style="position:absolute;left:725.28px;top:424.2px;">$ </div><div id="a13910" style="position:absolute;left:751.84px;top:424.2px;">276,884 </div><div id="a13912" style="position:absolute;font-weight:bold;left:19.2px;top:441.3px;">Total Delinquency Rates<div style="display:inline-block;width:3.91px">&#160;</div>(30 days and over past due) </div><div id="a13930" style="position:absolute;left:19.2px;top:456.2px;">Mortgage: </div><div id="a13948" style="position:absolute;left:19.2px;top:471.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Traditional, Non traditional,<div style="display:inline-block;width:3.87px">&#160;</div>and Loans under Loss Mitigation </div><div id="a13954" style="position:absolute;font-weight:bold;left:453.973px;top:471.3px;">8.22% </div><div id="a13958" style="position:absolute;left:528.293px;top:471.3px;">6.03% </div><div id="a13962" style="position:absolute;left:602.293px;top:471.3px;">4.66% </div><div id="a13966" style="position:absolute;left:676.293px;top:471.3px;">5.27% </div><div id="a13970" style="position:absolute;left:763.36px;top:471.3px;">4.60% </div><div id="a13972" style="position:absolute;left:19.2px;top:486.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>GNMA&apos;s buy-back option program </div><div id="a13980" style="position:absolute;font-weight:bold;left:453.973px;top:486.2px;">6.82% </div><div id="a13984" style="position:absolute;left:528.293px;top:486.2px;">7.39% </div><div id="a13988" style="position:absolute;left:602.293px;top:486.2px;">8.59% </div><div id="a13992" style="position:absolute;left:676.293px;top:486.2px;">8.48% </div><div id="a13996" style="position:absolute;left:763.36px;top:486.2px;">8.37% </div><div id="a13998" style="position:absolute;left:19.2px;top:501.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total mortgage </div><div id="a14004" style="position:absolute;font-weight:bold;left:448.613px;top:501.3px;">15.04% </div><div id="a14008" style="position:absolute;left:522.933px;top:501.3px;">13.42% </div><div id="a14012" style="position:absolute;left:596.933px;top:501.3px;">13.25% </div><div id="a14016" style="position:absolute;left:670.933px;top:501.3px;">13.75% </div><div id="a14020" style="position:absolute;left:758px;top:501.3px;">12.97% </div><div id="a14022" style="position:absolute;left:19.2px;top:516.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a14027" style="position:absolute;font-weight:bold;left:453.973px;top:516.2px;">1.67% </div><div id="a14031" style="position:absolute;left:528.293px;top:516.2px;">1.99% </div><div id="a14035" style="position:absolute;left:602.293px;top:516.2px;">1.99% </div><div id="a14039" style="position:absolute;left:676.293px;top:516.2px;">1.77% </div><div id="a14043" style="position:absolute;left:763.36px;top:516.2px;">1.62% </div><div id="a14045" style="position:absolute;left:19.2px;top:531.3px;">Consumer </div><div id="a14050" style="position:absolute;font-weight:bold;left:453.973px;top:531.3px;">4.15% </div><div id="a14054" style="position:absolute;left:528.293px;top:531.3px;">3.93% </div><div id="a14058" style="position:absolute;left:602.293px;top:531.3px;">4.97% </div><div id="a14062" style="position:absolute;left:676.293px;top:531.3px;">3.49% </div><div id="a14066" style="position:absolute;left:763.36px;top:531.3px;">2.48% </div><div id="a14068" style="position:absolute;left:19.2px;top:546.2px;">Auto </div><div id="a14073" style="position:absolute;font-weight:bold;left:453.973px;top:546.2px;">7.09% </div><div id="a14077" style="position:absolute;left:528.293px;top:546.2px;">7.26% </div><div id="a14081" style="position:absolute;left:602.293px;top:546.2px;">6.87% </div><div id="a14085" style="position:absolute;left:676.293px;top:546.2px;">8.85% </div><div id="a14089" style="position:absolute;left:763.36px;top:546.2px;">7.98% </div><div id="a14091" style="position:absolute;left:19.2px;top:562.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a14097" style="position:absolute;font-weight:bold;left:453.973px;top:562.2px;">5.74% </div><div id="a14101" style="position:absolute;left:528.293px;top:562.2px;">5.67% </div><div id="a14105" style="position:absolute;left:602.293px;top:562.2px;">5.56% </div><div id="a14109" style="position:absolute;left:676.293px;top:562.2px;">6.38% </div><div id="a14113" style="position:absolute;left:763.36px;top:562.2px;">5.85% </div><div id="a14115" style="position:absolute;font-weight:bold;left:19.2px;top:579.3px;">Nonperforming Assets </div><div id="a14117" style="position:absolute;font-size:8px;left:390.587px;top:582.5px;">(14) </div><div id="a14134" style="position:absolute;left:19.2px;top:594.2px;">Mortgage </div><div id="a14138" style="position:absolute;font-weight:bold;left:416.187px;top:594.2px;">$ </div><div id="a14140" style="position:absolute;font-weight:bold;left:448.133px;top:594.2px;">46,967 </div><div id="a14143" style="position:absolute;left:490.213px;top:594.2px;">$ </div><div id="a14145" style="position:absolute;left:522.213px;top:594.2px;">40,477 </div><div id="a14148" style="position:absolute;left:564.213px;top:594.2px;">$ </div><div id="a14150" style="position:absolute;left:596.213px;top:594.2px;">30,491 </div><div id="a14153" style="position:absolute;left:638.213px;top:594.2px;">$ </div><div id="a14155" style="position:absolute;left:670.213px;top:594.2px;">31,073 </div><div id="a14158" style="position:absolute;left:725.28px;top:594.2px;">$ </div><div id="a14160" style="position:absolute;left:757.28px;top:594.2px;">22,552 </div><div id="a14162" style="position:absolute;left:19.2px;top:609.3px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a14167" style="position:absolute;font-weight:bold;left:448.133px;top:609.3px;">41,999 </div><div id="a14171" style="position:absolute;left:522.213px;top:609.3px;">44,941 </div><div id="a14175" style="position:absolute;left:596.213px;top:609.3px;">44,187 </div><div id="a14179" style="position:absolute;left:670.213px;top:609.3px;">42,668 </div><div id="a14183" style="position:absolute;left:757.28px;top:609.3px;">42,606 </div><div id="a14185" style="position:absolute;left:19.2px;top:624.2px;">Consumer </div><div id="a14190" style="position:absolute;font-weight:bold;left:453.493px;top:624.2px;">4,987 </div><div id="a14194" style="position:absolute;left:527.573px;top:624.2px;">5,206 </div><div id="a14198" style="position:absolute;left:601.573px;top:624.2px;">4,933 </div><div id="a14202" style="position:absolute;left:675.573px;top:624.2px;">3,690 </div><div id="a14206" style="position:absolute;left:762.64px;top:624.2px;">5,287 </div><div id="a14208" style="position:absolute;left:19.2px;top:639.3px;">Auto </div><div id="a14213" style="position:absolute;font-weight:bold;left:448.133px;top:639.3px;">20,766 </div><div id="a14217" style="position:absolute;left:522.213px;top:639.3px;">22,583 </div><div id="a14221" style="position:absolute;left:596.213px;top:639.3px;">10,539 </div><div id="a14225" style="position:absolute;left:670.213px;top:639.3px;">21,147 </div><div id="a14229" style="position:absolute;left:757.28px;top:639.3px;">14,295 </div><div id="a14231" style="position:absolute;left:19.2px;top:654.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:3.98px">&#160;</div>loans </div><div id="a14237" style="position:absolute;font-weight:bold;left:442.693px;top:654.2px;">114,719 </div><div id="a14241" style="position:absolute;left:516.773px;top:654.2px;">113,207 </div><div id="a14245" style="position:absolute;left:596.213px;top:654.2px;">90,150 </div><div id="a14249" style="position:absolute;left:670.213px;top:654.2px;">98,578 </div><div id="a14251" style="position:absolute;font-size:8px;left:708.213px;top:657.6px;">(a) </div><div id="a14254" style="position:absolute;left:757.28px;top:654.2px;">84,740 </div><div id="a14256" style="position:absolute;left:19.2px;top:669.3px;">Foreclosed real estate </div><div id="a14261" 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<div id="a14511" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a14513" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a14515" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a14533" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.9px;">Table 6-3: Loan Information and Performance<div style="display:inline-block;width:4.46px">&#160;</div>Statistics (1) </div><div id="a14542" style="position:absolute;font-weight:bold;left:398.907px;top:100.2px;">2020 </div><div id="a14545" style="position:absolute;left:493.973px;top:100.2px;">2020 </div><div id="a14548" style="position:absolute;left:573.973px;top:100.2px;">2020 </div><div id="a14551" style="position:absolute;left:653.973px;top:100.2px;">2020 </div><div id="a14554" style="position:absolute;left:734px;top:100.2px;">2019 </div><div id="a14556" style="position:absolute;font-weight:bold;left:19.2px;top:114.7px;">(Dollars in thousands) (unaudited) </div><div id="a14560" style="position:absolute;font-weight:bold;left:403.307px;top:116.2px;">Q4 </div><div id="a14563" style="position:absolute;left:498.453px;top:116.2px;">Q3 </div><div id="a14566" style="position:absolute;left:578.453px;top:116.2px;">Q2 </div><div id="a14569" style="position:absolute;left:658.453px;top:116.2px;">Q1 </div><div id="a14572" style="position:absolute;left:738.48px;top:116.2px;">Q4 </div><div id="a14574" style="position:absolute;font-weight:bold;left:19.2px;top:132.2px;">Nonperforming PCD Loans </div><div id="a14576" style="position:absolute;font-size:8px;left:354.267px;top:135.5px;">(14) </div><div id="a14593" style="position:absolute;left:19.2px;top:147.2px;">Mortgage </div><div id="a14597" style="position:absolute;font-weight:bold;left:372.187px;top:147.2px;">$ </div><div id="a14599" style="position:absolute;font-weight:bold;left:419.787px;top:147.2px;">1,003 </div><div id="a14602" style="position:absolute;left:467.253px;top:147.2px;">$ </div><div id="a14604" style="position:absolute;left:514.933px;top:147.2px;">1,003 </div><div id="a14607" style="position:absolute;left:547.253px;top:147.2px;">$ </div><div id="a14609" style="position:absolute;left:594.933px;top:147.2px;">1,373 </div><div id="a14612" style="position:absolute;left:627.253px;top:147.2px;">$ </div><div id="a14614" style="position:absolute;left:674.933px;top:147.2px;">1,341 </div><div id="a14617" style="position:absolute;left:707.253px;top:147.2px;">$ </div><div id="a14619" style="position:absolute;left:776px;top:147.2px;">- </div><div id="a14621" style="position:absolute;left:19.2px;top:162.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a14626" style="position:absolute;font-weight:bold;left:414.427px;top:162.2px;">36,470 </div><div id="a14628" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:165.5px;">(a) </div><div id="a14631" style="position:absolute;left:509.573px;top:162.2px;">79,631 </div><div id="a14635" style="position:absolute;left:589.573px;top:162.2px;">81,064 </div><div id="a14639" style="position:absolute;left:669.573px;top:162.2px;">82,411 </div><div id="a14643" style="position:absolute;left:763.04px;top:162.2px;">225 </div><div id="a14645" style="position:absolute;left:19.2px;top:177.3px;">Consumer </div><div id="a14650" style="position:absolute;font-weight:bold;left:438.773px;top:177.3px;">1 </div><div id="a14654" style="position:absolute;left:533.813px;top:177.3px;">4 </div><div id="a14658" style="position:absolute;left:608.453px;top:177.3px;">12 </div><div id="a14662" style="position:absolute;left:688.453px;top:177.3px;">10 </div><div id="a14666" style="position:absolute;left:763.04px;top:177.3px;">499 </div><div id="a14668" style="position:absolute;left:19.2px;top:193.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:3.98px">&#160;</div>loans </div><div id="a14673" style="position:absolute;font-weight:bold;left:372.187px;top:193.3px;">$ </div><div id="a14675" style="position:absolute;font-weight:bold;left:414.427px;top:193.3px;">37,474 </div><div id="a14677" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:196.5px;">(a) </div><div id="a14679" style="position:absolute;left:467.253px;top:193.3px;">$ </div><div id="a14681" style="position:absolute;left:509.573px;top:193.3px;">80,638 </div><div id="a14684" style="position:absolute;left:547.253px;top:193.3px;">$ </div><div id="a14686" style="position:absolute;left:589.573px;top:193.3px;">82,449 </div><div id="a14689" style="position:absolute;left:627.253px;top:193.3px;">$ </div><div id="a14691" style="position:absolute;left:669.573px;top:193.3px;">83,762 </div><div id="a14694" style="position:absolute;left:707.253px;top:193.3px;">$ </div><div id="a14696" style="position:absolute;left:763.04px;top:193.3px;">724 </div><div id="a14698" style="position:absolute;font-weight:bold;left:19.2px;top:210.2px;">Nonperforming PCD Loan Rates </div><div id="a14716" style="position:absolute;left:19.2px;top:225.3px;">Mortgage </div><div id="a14721" style="position:absolute;font-weight:bold;left:420.347px;top:225.3px;">0.07% </div><div id="a14725" style="position:absolute;left:515.733px;top:225.3px;">0.07% </div><div id="a14729" style="position:absolute;left:595.733px;top:225.3px;">0.09% </div><div id="a14733" style="position:absolute;left:675.733px;top:225.3px;">0.09% </div><div id="a14737" style="position:absolute;left:755.76px;top:225.3px;">0.00% </div><div id="a14739" style="position:absolute;left:19.2px;top:240.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a14744" style="position:absolute;font-weight:bold;left:414.987px;top:240.2px;">12.88% </div><div id="a14746" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:243.5px;">(a) </div><div id="a14749" style="position:absolute;left:510.373px;top:240.2px;">22.59% </div><div id="a14753" style="position:absolute;left:590.373px;top:240.2px;">21.00% </div><div id="a14757" style="position:absolute;left:670.373px;top:240.2px;">21.07% </div><div id="a14761" style="position:absolute;left:755.76px;top:240.2px;">0.06% </div><div id="a14763" style="position:absolute;left:19.2px;top:255.3px;">Consumer </div><div id="a14768" style="position:absolute;font-weight:bold;left:420.347px;top:255.3px;">0.07% </div><div id="a14772" style="position:absolute;left:515.733px;top:255.3px;">0.17% </div><div id="a14776" style="position:absolute;left:595.733px;top:255.3px;">0.41% </div><div id="a14780" style="position:absolute;left:675.733px;top:255.3px;">0.30% </div><div id="a14784" style="position:absolute;left:755.76px;top:255.3px;">5.39% </div><div id="a14786" style="position:absolute;left:19.2px;top:271.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a14792" style="position:absolute;font-weight:bold;left:420.347px;top:271.3px;">2.11% </div><div id="a14794" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:274.5px;">(a) </div><div id="a14797" style="position:absolute;left:515.733px;top:271.3px;">4.26% </div><div id="a14801" style="position:absolute;left:595.733px;top:271.3px;">4.19% </div><div id="a14805" style="position:absolute;left:675.733px;top:271.3px;">4.19% </div><div id="a14809" style="position:absolute;left:755.76px;top:271.3px;">0.04% </div><div id="a14811" style="position:absolute;font-weight:bold;left:19.2px;top:288.2px;">Total PCD Loans Held for<div style="display:inline-block;width:3.77px">&#160;</div>Investment </div><div id="a14813" style="position:absolute;font-size:8px;left:354.267px;top:291.5px;">(21) </div><div id="a14830" style="position:absolute;left:19.2px;top:303.3px;">Mortgage </div><div id="a14834" style="position:absolute;font-weight:bold;left:372.187px;top:303.3px;">$ </div><div id="a14836" style="position:absolute;font-weight:bold;left:400.827px;top:303.3px;">1,459,932 </div><div id="a14839" style="position:absolute;left:467.253px;top:303.3px;">$ </div><div id="a14841" style="position:absolute;left:496.053px;top:303.3px;">1,504,914 </div><div id="a14844" style="position:absolute;left:547.253px;top:303.3px;">$ </div><div id="a14846" style="position:absolute;left:576.053px;top:303.3px;">1,541,637 </div><div id="a14849" style="position:absolute;left:627.253px;top:303.3px;">$ </div><div id="a14851" style="position:absolute;left:656.053px;top:303.3px;">1,561,557 </div><div id="a14854" style="position:absolute;left:707.253px;top:303.3px;">$ </div><div id="a14856" style="position:absolute;left:736.08px;top:303.3px;">1,591,112 </div><div id="a14858" style="position:absolute;left:19.2px;top:318.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a14863" style="position:absolute;font-weight:bold;left:408.987px;top:318.2px;">283,160 </div><div id="a14867" style="position:absolute;left:504.133px;top:318.2px;">352,555 </div><div id="a14871" style="position:absolute;left:584.133px;top:318.2px;">386,046 </div><div id="a14875" style="position:absolute;left:664.133px;top:318.2px;">391,158 </div><div id="a14879" style="position:absolute;left:744.16px;top:318.2px;">359,601 </div><div id="a14881" style="position:absolute;left:19.2px;top:333.3px;">Consumer </div><div id="a14886" style="position:absolute;font-weight:bold;left:419.787px;top:333.3px;">1,394 </div><div id="a14890" style="position:absolute;left:514.933px;top:333.3px;">2,336 </div><div id="a14894" style="position:absolute;left:594.933px;top:333.3px;">2,950 </div><div id="a14898" style="position:absolute;left:674.933px;top:333.3px;">3,350 </div><div id="a14902" style="position:absolute;left:754.96px;top:333.3px;">9,263 </div><div id="a14904" style="position:absolute;left:19.2px;top:349.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total loans </div><div id="a14909" style="position:absolute;font-weight:bold;left:372.187px;top:349.3px;">$ </div><div id="a14911" style="position:absolute;font-weight:bold;left:400.827px;top:349.3px;">1,744,486 </div><div id="a14914" style="position:absolute;left:467.253px;top:349.3px;">$ </div><div id="a14916" style="position:absolute;left:496.053px;top:349.3px;">1,859,805 </div><div id="a14919" style="position:absolute;left:547.253px;top:349.3px;">$ </div><div id="a14921" style="position:absolute;left:576.053px;top:349.3px;">1,930,633 </div><div id="a14924" style="position:absolute;left:627.253px;top:349.3px;">$ </div><div id="a14926" style="position:absolute;left:656.053px;top:349.3px;">1,956,065 </div><div id="a14929" style="position:absolute;left:707.253px;top:349.3px;">$ </div><div id="a14931" style="position:absolute;left:736.08px;top:349.3px;">1,959,976 </div><div id="a14970" style="position:absolute;font-weight:bold;left:398.907px;top:395.3px;">2020 </div><div id="a14973" style="position:absolute;left:493.973px;top:395.3px;">2020 </div><div id="a14976" style="position:absolute;left:573.973px;top:395.3px;">2020 </div><div id="a14979" style="position:absolute;left:653.973px;top:395.3px;">2020 </div><div id="a14982" style="position:absolute;left:734px;top:395.3px;">2019 </div><div id="a14984" style="position:absolute;font-weight:bold;left:19.2px;top:409.7px;">(Dollars in thousands) (unaudited) </div><div id="a14988" style="position:absolute;font-weight:bold;left:403.307px;top:411.3px;">Q4 </div><div id="a14991" style="position:absolute;left:498.453px;top:411.3px;">Q3 </div><div id="a14994" style="position:absolute;left:578.453px;top:411.3px;">Q2 </div><div id="a14997" style="position:absolute;left:658.453px;top:411.3px;">Q1 </div><div id="a15000" style="position:absolute;left:738.48px;top:411.3px;">Q4 </div><div id="a15002" style="position:absolute;font-weight:bold;left:19.2px;top:427.3px;">Total Nonperforming<div style="display:inline-block;width:3.74px">&#160;</div>Loans </div><div id="a15004" style="position:absolute;font-size:8px;left:354.267px;top:430.5px;">(14) </div><div id="a15021" style="position:absolute;left:19.2px;top:443.3px;">Mortgage </div><div id="a15025" style="position:absolute;font-weight:bold;left:372.187px;top:443.3px;">$ </div><div id="a15027" style="position:absolute;font-weight:bold;left:414.427px;top:443.3px;">47,970 </div><div id="a15030" style="position:absolute;left:467.253px;top:443.3px;">$ </div><div id="a15032" style="position:absolute;left:509.573px;top:443.3px;">41,480 </div><div id="a15035" style="position:absolute;left:547.253px;top:443.3px;">$ </div><div id="a15037" style="position:absolute;left:589.573px;top:443.3px;">31,864 </div><div id="a15040" style="position:absolute;left:627.253px;top:443.3px;">$ </div><div id="a15042" style="position:absolute;left:669.573px;top:443.3px;">32,414 </div><div id="a15045" style="position:absolute;left:707.253px;top:443.3px;">$ </div><div id="a15047" style="position:absolute;left:749.6px;top:443.3px;">22,552 </div><div id="a15049" style="position:absolute;left:19.2px;top:458.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a15054" style="position:absolute;font-weight:bold;left:414.427px;top:458.2px;">78,469 </div><div id="a15056" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:461.5px;">(a) </div><div id="a15059" style="position:absolute;left:504.133px;top:458.2px;">124,572 </div><div id="a15063" style="position:absolute;left:584.133px;top:458.2px;">125,251 </div><div id="a15067" style="position:absolute;left:664.133px;top:458.2px;">125,079 </div><div id="a15071" style="position:absolute;left:749.6px;top:458.2px;">42,831 </div><div id="a15073" style="position:absolute;left:19.2px;top:473.3px;">Consumer </div><div id="a15078" style="position:absolute;font-weight:bold;left:419.787px;top:473.3px;">4,988 </div><div id="a15082" style="position:absolute;left:514.933px;top:473.3px;">5,210 </div><div id="a15086" style="position:absolute;left:594.933px;top:473.3px;">4,945 </div><div id="a15090" style="position:absolute;left:674.933px;top:473.3px;">3,700 </div><div id="a15094" style="position:absolute;left:754.96px;top:473.3px;">5,786 </div><div id="a15096" style="position:absolute;left:19.2px;top:488.2px;">Auto </div><div id="a15101" style="position:absolute;font-weight:bold;left:414.427px;top:488.2px;">20,766 </div><div id="a15105" style="position:absolute;left:509.573px;top:488.2px;">22,583 </div><div id="a15109" style="position:absolute;left:589.573px;top:488.2px;">10,539 </div><div id="a15113" style="position:absolute;left:669.573px;top:488.2px;">21,147 </div><div id="a15117" style="position:absolute;left:749.6px;top:488.2px;">14,295 </div><div id="a15119" style="position:absolute;left:19.2px;top:504.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:3.98px">&#160;</div>loans </div><div id="a15124" style="position:absolute;font-weight:bold;left:372.187px;top:504.2px;">$ </div><div id="a15126" style="position:absolute;font-weight:bold;left:408.987px;top:504.2px;">152,193 </div><div id="a15128" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:507.5px;">(a) </div><div id="a15130" style="position:absolute;left:467.253px;top:504.2px;">$ </div><div id="a15132" style="position:absolute;left:504.133px;top:504.2px;">193,845 </div><div id="a15135" style="position:absolute;left:547.253px;top:504.2px;">$ </div><div id="a15137" style="position:absolute;left:584.133px;top:504.2px;">172,599 </div><div id="a15140" style="position:absolute;left:627.253px;top:504.2px;">$ </div><div id="a15142" style="position:absolute;left:664.133px;top:504.2px;">182,340 </div><div id="a15145" style="position:absolute;left:707.253px;top:504.2px;">$ </div><div id="a15147" style="position:absolute;left:749.6px;top:504.2px;">85,464 </div><div id="a15149" style="position:absolute;font-weight:bold;left:19.2px;top:521.3px;">Total Nonperforming<div style="display:inline-block;width:3.74px">&#160;</div>Loan Rates </div><div id="a15167" style="position:absolute;left:19.2px;top:537.3px;">Mortgage </div><div id="a15172" style="position:absolute;font-weight:bold;left:420.347px;top:537.3px;">2.10% </div><div id="a15176" style="position:absolute;left:515.733px;top:537.3px;">1.76% </div><div id="a15180" style="position:absolute;left:595.733px;top:537.3px;">1.32% </div><div id="a15184" style="position:absolute;left:675.733px;top:537.3px;">1.32% </div><div id="a15188" style="position:absolute;left:755.76px;top:537.3px;">0.91% </div><div id="a15190" style="position:absolute;left:19.2px;top:552.2px;">Commercial<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a15195" style="position:absolute;font-weight:bold;left:420.347px;top:552.2px;">3.27% </div><div id="a15197" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:555.6px;">(a) </div><div id="a15200" style="position:absolute;left:515.733px;top:552.2px;">5.13% </div><div id="a15204" style="position:absolute;left:595.733px;top:552.2px;">4.85% </div><div id="a15208" style="position:absolute;left:675.733px;top:552.2px;">5.44% </div><div id="a15212" style="position:absolute;left:755.76px;top:552.2px;">1.93% </div><div id="a15214" style="position:absolute;left:19.2px;top:567.3px;">Consumer </div><div id="a15219" style="position:absolute;font-weight:bold;left:420.347px;top:567.3px;">1.20% </div><div id="a15223" style="position:absolute;left:515.733px;top:567.3px;">1.19% </div><div id="a15227" style="position:absolute;left:595.733px;top:567.3px;">1.07% </div><div id="a15231" style="position:absolute;left:675.733px;top:567.3px;">0.76% </div><div id="a15235" style="position:absolute;left:755.76px;top:567.3px;">1.15% </div><div id="a15237" style="position:absolute;left:19.2px;top:582.2px;">Auto </div><div id="a15242" style="position:absolute;font-weight:bold;left:420.347px;top:582.2px;">1.33% </div><div id="a15246" style="position:absolute;left:515.733px;top:582.2px;">1.46% </div><div id="a15250" style="position:absolute;left:595.733px;top:582.2px;">0.71% </div><div id="a15254" style="position:absolute;left:675.733px;top:582.2px;">1.38% </div><div id="a15258" style="position:absolute;left:755.76px;top:582.2px;">0.94% </div><div id="a15260" style="position:absolute;left:19.2px;top:598.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a15266" style="position:absolute;font-weight:bold;left:420.347px;top:598.2px;">2.28% </div><div id="a15268" style="position:absolute;font-size:8px;font-weight:bold;left:452.773px;top:601.6px;">(a) </div><div id="a15271" style="position:absolute;left:515.733px;top:598.2px;">2.87% </div><div id="a15275" style="position:absolute;left:595.733px;top:598.2px;">2.48% </div><div id="a15279" style="position:absolute;left:675.733px;top:598.2px;">2.69% </div><div id="a15283" style="position:absolute;left:755.76px;top:598.2px;">1.27% </div><div id="a15285" style="position:absolute;font-weight:bold;left:19.2px;top:615.3px;">Total Loans Held for<div style="display:inline-block;width:3.78px">&#160;</div>Investment </div><div id="a15287" style="position:absolute;font-size:8px;left:354.267px;top:618.5px;">(21) </div><div id="a15304" 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style="position:absolute;font-weight:bold;left:400.827px;top:692.2px;">6,662,133 </div><div id="a15411" style="position:absolute;left:467.253px;top:692.2px;">$ </div><div id="a15413" style="position:absolute;left:496.053px;top:692.2px;">6,759,927 </div><div id="a15416" style="position:absolute;left:547.253px;top:692.2px;">$ </div><div id="a15418" style="position:absolute;left:576.053px;top:692.2px;">6,952,512 </div><div id="a15421" style="position:absolute;left:627.253px;top:692.2px;">$ </div><div id="a15423" style="position:absolute;left:656.053px;top:692.2px;">6,766,084 </div><div id="a15426" style="position:absolute;left:707.253px;top:692.2px;">$ </div><div id="a15428" style="position:absolute;left:736.08px;top:692.2px;">6,738,795 </div><div id="a15447" style="position:absolute;left:19.2px;top:721.3px;">(a) During 4Q 2020, commercial charge-offs reflected<div style="display:inline-block;width:3.82px">&#160;</div>$31.2 million from two commercial non-performing PCD<div 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<div style="position:absolute; width:82px; height:1px; left:470.3px; top:459.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:459.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:442.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:442.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:442.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:442.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:442.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:333.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:333.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:333.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:333.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:85px; height:1px; left:382.3px; top:333.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:331.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:331.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:331.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:331.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:85px; height:1px; left:382.3px; top:331.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:424.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:424.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:424.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:424.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:424.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:315.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:315.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:315.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:315.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:85px; height:1px; left:382.3px; top:315.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:363.1px; height:1.3px; left:19.2px; top:255.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:476.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:476.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:476.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:476.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:476.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:440.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:440.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:440.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:440.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:440.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:224.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:224.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:224.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:224.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:224.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:222.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:222.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:222.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:222.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:222.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:725.3px; top:206.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:640.3px; top:206.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:555.3px; top:206.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:470.3px; top:206.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1px; left:385.2px; top:206.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:363.1px; height:1.3px; left:19.2px; top:348.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:363.1px; height:1.3px; left:19.2px; top:239.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:363.1px; height:1.3px; left:19.2px; top:146.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1.3px; left:725.3px; top:130.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1.3px; left:640.3px; top:130.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1.3px; left:555.3px; top:130.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1.3px; left:470.3px; top:130.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:82px; height:1.3px; left:385.2px; top:130.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:363.1px; height:1.3px; left:19.2px; top:130.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:422.1px; height:1.3px; left:385.2px; top:114.2px; background-color:#000000;">&#160;</div>
<div id="a15477" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a15479" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a15481" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a15499" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.9px;">Table 7: Allowance for Credit Losses (1) </div><div id="a15515" style="position:absolute;font-weight:bold;left:519.733px;top:99.7px;">Quarter Ended December 31, 2020 </div><div id="a15517" style="position:absolute;font-weight:bold;left:19.2px;top:116.3px;">(Dollars in thousands) (unaudited) </div><div id="a15521" style="position:absolute;font-weight:bold;left:404.587px;top:117.2px;">Mortgage </div><div id="a15524" style="position:absolute;font-weight:bold;left:484.773px;top:117.2px;">Commercial </div><div id="a15527" style="position:absolute;font-weight:bold;left:573.733px;top:117.2px;">Consumer </div><div id="a15530" style="position:absolute;font-weight:bold;left:670.373px;top:117.2px;">Auto </div><div id="a15533" style="position:absolute;font-weight:bold;left:754.96px;top:117.2px;">Total </div><div id="a15535" style="position:absolute;font-weight:bold;left:19.2px;top:133.2px;">Allowance for credit losses Non-PCD: </div><div id="a15555" style="position:absolute;left:19.2px;top:148.2px;"><div style="display:inline-block;width:4.8px">&#160;</div>Balance at beginning of period </div><div id="a15560" style="position:absolute;font-weight:bold;left:385.227px;top:148.2px;">$ </div><div id="a15562" style="position:absolute;font-weight:bold;left:434.533px;top:148.2px;">19,622 </div><div id="a15565" style="position:absolute;font-weight:bold;left:470.213px;top:148.2px;">$ </div><div id="a15567" style="position:absolute;font-weight:bold;left:519.493px;top:148.2px;">41,195 </div><div id="a15570" style="position:absolute;font-weight:bold;left:555.253px;top:148.2px;">$ </div><div id="a15572" style="position:absolute;font-weight:bold;left:604.533px;top:148.2px;">27,125 </div><div id="a15575" style="position:absolute;font-weight:bold;left:640.213px;top:148.2px;">$ </div><div id="a15577" style="position:absolute;font-weight:bold;left:689.493px;top:148.2px;">68,467 </div><div id="a15580" style="position:absolute;font-weight:bold;left:725.28px;top:148.2px;">$ </div><div id="a15582" style="position:absolute;font-weight:bold;left:769.12px;top:148.2px;">156,409 </div><div id="a15584" style="position:absolute;left:19.2px;top:163.2px;"><div style="display:inline-block;width:7.2px">&#160;</div>(Recapture) provision for credit<div style="display:inline-block;width:3.81px">&#160;</div>losses </div><div id="a15590" style="position:absolute;font-weight:bold;left:448.053px;top:163.2px;">211 </div><div id="a15594" style="position:absolute;font-weight:bold;left:524.853px;top:163.2px;">4,663 </div><div id="a15598" style="position:absolute;font-weight:bold;left:609.893px;top:163.2px;">2,752 </div><div id="a15602" style="position:absolute;font-weight:bold;left:694.853px;top:163.2px;">7,972 </div><div id="a15606" style="position:absolute;font-weight:bold;left:774.56px;top:163.2px;">15,598 </div><div id="a15608" style="position:absolute;left:19.2px;top:178.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Charge-offs </div><div id="a15616" style="position:absolute;font-weight:bold;left:444.373px;top:178.2px;">(225) </div><div id="a15620" style="position:absolute;font-weight:bold;left:529.333px;top:178.2px;">(413) </div><div id="a15624" style="position:absolute;font-weight:bold;left:606.213px;top:178.2px;">(6,456) </div><div id="a15628" style="position:absolute;font-weight:bold;left:685.813px;top:178.2px;">(12,071) </div><div id="a15632" style="position:absolute;font-weight:bold;left:770.88px;top:178.2px;">(19,165) </div><div id="a15634" style="position:absolute;left:19.2px;top:193.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Recoveries </div><div id="a15640" style="position:absolute;font-weight:bold;left:453.493px;top:193.3px;">79 </div><div id="a15644" style="position:absolute;font-weight:bold;left:533.013px;top:193.3px;">334 </div><div id="a15648" style="position:absolute;font-weight:bold;left:609.893px;top:193.3px;">1,832 </div><div id="a15652" style="position:absolute;font-weight:bold;left:694.853px;top:193.3px;">5,928 </div><div id="a15656" style="position:absolute;font-weight:bold;left:779.92px;top:193.3px;">8,173 </div><div id="a15658" style="position:absolute;left:19.2px;top:209.3px;"><div style="display:inline-block;width:14.4px">&#160;</div>Balance at end of period </div><div id="a15663" style="position:absolute;font-weight:bold;left:385.227px;top:209.3px;">$ </div><div id="a15665" style="position:absolute;font-weight:bold;left:434.533px;top:209.3px;">19,687 </div><div id="a15668" style="position:absolute;font-weight:bold;left:470.213px;top:209.3px;">$ </div><div id="a15670" style="position:absolute;font-weight:bold;left:519.493px;top:209.3px;">45,779 </div><div id="a15673" style="position:absolute;font-weight:bold;left:555.253px;top:209.3px;">$ </div><div id="a15675" style="position:absolute;font-weight:bold;left:604.533px;top:209.3px;">25,253 </div><div id="a15678" style="position:absolute;font-weight:bold;left:640.213px;top:209.3px;">$ </div><div id="a15680" style="position:absolute;font-weight:bold;left:689.493px;top:209.3px;">70,296 </div><div id="a15683" style="position:absolute;font-weight:bold;left:725.28px;top:209.3px;">$ </div><div id="a15685" style="position:absolute;font-weight:bold;left:769.12px;top:209.3px;">161,015 </div><div id="a15704" style="position:absolute;font-weight:bold;left:19.2px;top:242.2px;">Allowance for credit losses PCD: </div><div id="a15722" style="position:absolute;left:19.2px;top:257.3px;"><div style="display:inline-block;width:4.8px">&#160;</div>Balance at beginning of period </div><div id="a15727" style="position:absolute;font-weight:bold;left:385.227px;top:257.3px;">$ </div><div id="a15729" style="position:absolute;font-weight:bold;left:434.533px;top:257.3px;">30,408 </div><div id="a15732" style="position:absolute;font-weight:bold;left:470.213px;top:257.3px;">$ </div><div id="a15734" style="position:absolute;font-weight:bold;left:519.493px;top:257.3px;">47,450 </div><div id="a15737" style="position:absolute;font-weight:bold;left:555.253px;top:257.3px;">$ </div><div id="a15739" style="position:absolute;font-weight:bold;left:618.053px;top:257.3px;">108 </div><div id="a15742" style="position:absolute;font-weight:bold;left:640.213px;top:257.3px;">$ </div><div id="a15744" style="position:absolute;font-weight:bold;left:703.013px;top:257.3px;">938 </div><div id="a15747" style="position:absolute;font-weight:bold;left:725.28px;top:257.3px;">$ </div><div id="a15749" style="position:absolute;font-weight:bold;left:774.56px;top:257.3px;">78,904 </div><div id="a15751" style="position:absolute;left:19.2px;top:272.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Provision (recapture) for credit<div style="display:inline-block;width:3.77px">&#160;</div>losses </div><div id="a15757" style="position:absolute;font-weight:bold;left:436.213px;top:272.2px;">(2,739) </div><div id="a15761" style="position:absolute;font-weight:bold;left:524.853px;top:272.2px;">1,783 </div><div id="a15765" style="position:absolute;font-weight:bold;left:614.373px;top:272.2px;">(230) </div><div id="a15769" style="position:absolute;font-weight:bold;left:699.333px;top:272.2px;">(102) </div><div id="a15773" style="position:absolute;font-weight:bold;left:776.24px;top:272.2px;">(1,288) </div><div id="a15775" style="position:absolute;left:19.2px;top:287.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Charge-offs </div><div id="a15783" style="position:absolute;font-weight:bold;left:436.213px;top:287.3px;">(1,344) </div><div id="a15787" style="position:absolute;font-weight:bold;left:515.813px;top:287.3px;">(33,061) </div><div id="a15791" style="position:absolute;font-weight:bold;left:619.813px;top:287.3px;">(21) </div><div id="a15795" style="position:absolute;font-weight:bold;left:699.333px;top:287.3px;">(574) </div><div id="a15799" style="position:absolute;font-weight:bold;left:770.88px;top:287.3px;">(35,000) </div><div id="a15801" style="position:absolute;left:19.2px;top:302.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Recoveries </div><div id="a15807" style="position:absolute;font-weight:bold;left:453.493px;top:302.2px;">63 </div><div id="a15811" style="position:absolute;font-weight:bold;left:533.013px;top:302.2px;">234 </div><div id="a15815" style="position:absolute;font-weight:bold;left:618.053px;top:302.2px;">200 </div><div id="a15819" style="position:absolute;font-weight:bold;left:703.013px;top:302.2px;">681 </div><div id="a15823" style="position:absolute;font-weight:bold;left:779.92px;top:302.2px;">1,178 </div><div id="a15825" style="position:absolute;left:19.2px;top:318.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Balance at end of period </div><div id="a15830" style="position:absolute;font-weight:bold;left:385.227px;top:318.2px;">$ </div><div id="a15832" style="position:absolute;font-weight:bold;left:434.533px;top:318.2px;">26,388 </div><div id="a15835" style="position:absolute;font-weight:bold;left:470.213px;top:318.2px;">$ </div><div id="a15837" style="position:absolute;font-weight:bold;left:519.493px;top:318.2px;">16,406 </div><div id="a15840" style="position:absolute;font-weight:bold;left:555.253px;top:318.2px;">$ </div><div id="a15842" style="position:absolute;font-weight:bold;left:623.493px;top:318.2px;">57 </div><div id="a15845" style="position:absolute;font-weight:bold;left:640.213px;top:318.2px;">$ </div><div id="a15847" style="position:absolute;font-weight:bold;left:703.013px;top:318.2px;">943 </div><div id="a15850" style="position:absolute;font-weight:bold;left:725.28px;top:318.2px;">$ </div><div id="a15852" style="position:absolute;font-weight:bold;left:774.56px;top:318.2px;">43,794 </div><div id="a15871" style="position:absolute;font-weight:bold;left:19.2px;top:351.3px;">Allowance for credit losses summary: </div><div id="a15890" style="position:absolute;left:19.2px;top:366.2px;"><div style="display:inline-block;width:4.8px">&#160;</div>Balance at beginning of period </div><div id="a15895" style="position:absolute;font-weight:bold;left:385.227px;top:366.2px;">$ </div><div id="a15897" style="position:absolute;font-weight:bold;left:434.533px;top:366.2px;">50,030 </div><div id="a15900" style="position:absolute;font-weight:bold;left:470.213px;top:366.2px;">$ </div><div id="a15902" style="position:absolute;font-weight:bold;left:519.493px;top:366.2px;">88,645 </div><div id="a15905" style="position:absolute;font-weight:bold;left:555.253px;top:366.2px;">$ </div><div id="a15907" style="position:absolute;font-weight:bold;left:604.533px;top:366.2px;">27,233 </div><div id="a15910" style="position:absolute;font-weight:bold;left:640.213px;top:366.2px;">$ </div><div id="a15912" style="position:absolute;font-weight:bold;left:689.493px;top:366.2px;">69,405 </div><div id="a15915" style="position:absolute;font-weight:bold;left:725.28px;top:366.2px;">$ </div><div id="a15917" style="position:absolute;font-weight:bold;left:769.12px;top:366.2px;">235,313 </div><div id="a15919" style="position:absolute;left:19.2px;top:381.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Provision (recapture) for credit<div style="display:inline-block;width:3.77px">&#160;</div>losses </div><div id="a15925" style="position:absolute;font-weight:bold;left:436.213px;top:381.3px;">(2,528) </div><div id="a15929" style="position:absolute;font-weight:bold;left:524.853px;top:381.3px;">6,446 </div><div id="a15933" style="position:absolute;font-weight:bold;left:609.893px;top:381.3px;">2,522 </div><div id="a15937" style="position:absolute;font-weight:bold;left:694.853px;top:381.3px;">7,870 </div><div id="a15941" style="position:absolute;font-weight:bold;left:774.56px;top:381.3px;">14,310 </div><div id="a15943" style="position:absolute;left:19.2px;top:396.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Charge-offs </div><div id="a15951" style="position:absolute;font-weight:bold;left:436.213px;top:396.2px;">(1,569) </div><div id="a15955" style="position:absolute;font-weight:bold;left:515.813px;top:396.2px;">(33,474) </div><div id="a15959" style="position:absolute;font-weight:bold;left:606.213px;top:396.2px;">(6,477) </div><div id="a15963" style="position:absolute;font-weight:bold;left:685.813px;top:396.2px;">(12,645) </div><div id="a15967" style="position:absolute;font-weight:bold;left:770.88px;top:396.2px;">(54,165) </div><div id="a15969" style="position:absolute;left:19.2px;top:411.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Recoveries </div><div id="a15975" style="position:absolute;font-weight:bold;left:448.053px;top:411.3px;">142 </div><div id="a15979" style="position:absolute;font-weight:bold;left:533.013px;top:411.3px;">568 </div><div id="a15983" style="position:absolute;font-weight:bold;left:609.893px;top:411.3px;">2,032 </div><div id="a15987" style="position:absolute;font-weight:bold;left:694.853px;top:411.3px;">6,609 </div><div id="a15991" style="position:absolute;font-weight:bold;left:779.92px;top:411.3px;">9,351 </div><div id="a15993" style="position:absolute;left:19.2px;top:427.3px;"><div style="display:inline-block;width:9.6px">&#160;</div>Balance at end of period </div><div id="a15998" 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<div style="position:absolute; width:75px; height:13px; left:638.2px; top:251.8px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:616.1px; height:13px; left:19.2px; top:251.8px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:13px; left:728.2px; top:221.8px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:75px; height:13px; left:638.2px; top:221.8px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:616.1px; height:13px; left:19.2px; top:221.8px; background-color:#DBEEF4;">&#160;</div>
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<div id="a16092" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a16094" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a16096" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a16115" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.9px;">Table 8-1: Reconciliation of GAAP to Non-GAAP Measures and Calculation of Regulatory Capital </div><div id="a16124" style="position:absolute;left:19.2px;top:120.7px;">In addition to disclosing required regulatory capital<div style="display:inline-block;width:3.87px">&#160;</div>measures, we also report certain non-GAAP capital measures that<div style="display:inline-block;width:3.89px">&#160;</div>management uses in assessing its capital adequacy.<div style="display:inline-block;width:4.03px">&#160;</div>These </div><div id="a16128" style="position:absolute;left:19.2px;top:133.7px;">non-GAAP measures include tangible common equity (&quot;TCE&quot;) and TCE<div style="display:inline-block;width:3.89px">&#160;</div>ratio. The table below provides the details<div style="display:inline-block;width:3.79px">&#160;</div>of the calculation of our regulatory capital and non-GAAP capital </div><div id="a16134" style="position:absolute;left:19.2px;top:146.7px;">measures. While our non-GAAP capital measures are widely used by investors,<div style="display:inline-block;width:4.49px">&#160;</div>analysts and bank regulatory agencies to assess the capital<div style="display:inline-block;width:4.06px">&#160;</div>position of financial services companies, </div><div id="a16138" style="position:absolute;left:19.2px;top:159.7px;">they may not be comparable to similarly titled measures<div style="display:inline-block;width:3.77px">&#160;</div>reported by other companies. </div><div id="a16160" style="position:absolute;font-weight:bold;left:430.907px;top:189.7px;">2020 </div><div id="a16163" style="position:absolute;left:508.933px;top:189.7px;">2020 </div><div id="a16166" style="position:absolute;left:586.933px;top:189.7px;">2020 </div><div id="a16169" style="position:absolute;left:664.933px;top:189.7px;">2020 </div><div id="a16172" style="position:absolute;left:754.96px;top:189.7px;">2019 </div><div id="a16174" style="position:absolute;font-weight:bold;left:19.2px;top:204.3px;">(Dollars in thousands) (unaudited) </div><div id="a16178" style="position:absolute;font-weight:bold;left:435.333px;top:205.7px;">Q4 </div><div id="a16181" style="position:absolute;left:513.413px;top:205.7px;">Q3 </div><div id="a16184" style="position:absolute;left:591.413px;top:205.7px;">Q2 </div><div id="a16187" style="position:absolute;left:669.413px;top:205.7px;">Q1 </div><div id="a16190" style="position:absolute;left:759.44px;top:205.7px;">Q4 </div><div id="a16192" style="position:absolute;font-weight:bold;left:19.2px;top:221.7px;">Stockholders&apos; Equity to Non-GAAP Tangible<div style="display:inline-block;width:4.13px">&#160;</div>Common Equity </div><div id="a16214" style="position:absolute;left:19.2px;top:236.8px;">Total stockholders&apos;<div style="display:inline-block;width:4.08px">&#160;</div>equity </div><div id="a16218" style="position:absolute;font-weight:bold;left:404.187px;top:236.8px;">$ </div><div id="a16220" style="position:absolute;font-weight:bold;left:432.853px;top:236.8px;">1,085,975 </div><div id="a16223" style="position:absolute;left:482.213px;top:236.8px;">$ </div><div id="a16225" style="position:absolute;left:511.013px;top:236.8px;">1,064,322 </div><div id="a16228" style="position:absolute;left:560.213px;top:236.8px;">$ </div><div id="a16230" style="position:absolute;left:589.013px;top:236.8px;">1,041,284 </div><div id="a16233" style="position:absolute;left:638.213px;top:236.8px;">$ </div><div id="a16235" style="position:absolute;left:667.013px;top:236.8px;">1,022,594 </div><div id="a16237" style="position:absolute;font-size:8px;left:713.253px;top:240.1px;">(a) </div><div id="a16239" style="position:absolute;left:728.24px;top:236.8px;">$ </div><div id="a16241" style="position:absolute;left:757.04px;top:236.8px;">1,045,478 </div><div id="a16243" style="position:absolute;left:19.2px;top:251.7px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Intangible assets </div><div id="a16248" style="position:absolute;font-weight:bold;left:437.413px;top:251.7px;">(131,965) </div><div id="a16252" style="position:absolute;left:515.653px;top:251.7px;">(134,719) </div><div id="a16256" style="position:absolute;left:593.653px;top:251.7px;">(137,475) </div><div id="a16260" style="position:absolute;left:671.653px;top:251.7px;">(140,243) </div><div id="a16264" style="position:absolute;left:761.68px;top:251.7px;">(143,034) </div><div id="a16266" style="position:absolute;left:19.2px;top:266.8px;"><div style="display:inline-block;width:26.48px">&#160;</div>Noncumulative perpetual preferred stock </div><div id="a16272" style="position:absolute;font-weight:bold;left:442.853px;top:266.8px;">(92,000) </div><div id="a16276" style="position:absolute;left:521.093px;top:266.8px;">(92,000) </div><div id="a16280" style="position:absolute;left:599.093px;top:266.8px;">(92,000) </div><div id="a16284" style="position:absolute;left:677.093px;top:266.8px;">(92,000) </div><div id="a16288" style="position:absolute;left:767.12px;top:266.8px;">(92,000) </div><div id="a16290" style="position:absolute;left:19.2px;top:281.7px;"><div style="display:inline-block;width:26.48px">&#160;</div>Noncumulative perpetual preferred stock<div style="display:inline-block;width:3.89px">&#160;</div>issuance costs </div><div id="a16296" style="position:absolute;font-weight:bold;left:446.453px;top:281.7px;">10,130 </div><div id="a16300" style="position:absolute;left:524.533px;top:281.7px;">10,130 </div><div id="a16304" style="position:absolute;left:602.533px;top:281.7px;">10,130 </div><div id="a16308" style="position:absolute;left:680.533px;top:281.7px;">10,130 </div><div id="a16312" style="position:absolute;left:770.56px;top:281.7px;">10,130 </div><div id="a16314" style="position:absolute;left:19.2px;top:297.7px;">Tangible common equity </div><div id="a16318" style="position:absolute;font-weight:bold;left:404.187px;top:297.7px;">$ </div><div id="a16320" style="position:absolute;font-weight:bold;left:441.013px;top:297.7px;">872,140 </div><div id="a16323" style="position:absolute;left:482.213px;top:297.7px;">$ </div><div id="a16325" style="position:absolute;left:519.093px;top:297.7px;">847,733 </div><div id="a16328" style="position:absolute;left:560.213px;top:297.7px;">$ </div><div id="a16330" style="position:absolute;left:597.093px;top:297.7px;">821,939 </div><div id="a16333" style="position:absolute;left:638.213px;top:297.7px;">$ </div><div id="a16335" style="position:absolute;left:675.093px;top:297.7px;">800,481 </div><div id="a16338" style="position:absolute;left:728.24px;top:297.7px;">$ </div><div id="a16340" style="position:absolute;left:765.12px;top:297.7px;">820,574 </div><div id="a16359" style="position:absolute;left:19.2px;top:328.8px;">Common shares outstanding at end of period </div><div id="a16365" style="position:absolute;font-weight:bold;left:446.453px;top:328.8px;">51,387 </div><div id="a16369" style="position:absolute;left:524.533px;top:328.8px;">51,345 </div><div id="a16373" style="position:absolute;left:602.533px;top:328.8px;">51,342 </div><div id="a16377" style="position:absolute;left:680.533px;top:328.8px;">51,327 </div><div id="a16381" style="position:absolute;left:770.56px;top:328.8px;">51,399 </div><div id="a16383" style="position:absolute;left:19.2px;top:344.8px;">Tangible book value per common<div style="display:inline-block;width:3.82px">&#160;</div>share (Non-GAAP) </div><div id="a16389" style="position:absolute;font-weight:bold;left:404.187px;top:344.8px;">$ </div><div id="a16391" style="position:absolute;font-weight:bold;left:451.733px;top:344.8px;">16.97 </div><div id="a16394" style="position:absolute;left:482.213px;top:344.8px;">$ </div><div id="a16396" style="position:absolute;left:529.893px;top:344.8px;">16.51 </div><div id="a16399" style="position:absolute;left:560.213px;top:344.8px;">$ </div><div id="a16401" style="position:absolute;left:607.893px;top:344.8px;">16.01 </div><div id="a16404" style="position:absolute;left:638.213px;top:344.8px;">$ </div><div id="a16406" style="position:absolute;left:685.893px;top:344.8px;">15.60 </div><div id="a16409" style="position:absolute;left:728.24px;top:344.8px;">$ </div><div id="a16411" style="position:absolute;left:775.92px;top:344.8px;">15.96 </div><div id="a16413" style="position:absolute;font-weight:bold;left:19.2px;top:361.7px;">Total Assets to Tangible<div style="display:inline-block;width:4.56px">&#160;</div>Assets </div><div id="a16431" style="position:absolute;left:19.2px;top:376.8px;">Total assets<div style="display:inline-block;width:8.47px">&#160;</div></div><div id="a16435" style="position:absolute;font-weight:bold;left:404.187px;top:376.8px;">$ </div><div id="a16437" style="position:absolute;font-weight:bold;left:432.853px;top:376.8px;">9,826,011 </div><div id="a16440" style="position:absolute;left:482.213px;top:376.8px;">$ </div><div id="a16442" style="position:absolute;left:505.653px;top:376.8px;">10,018,991 </div><div id="a16445" style="position:absolute;left:560.213px;top:376.8px;">$ </div><div id="a16447" style="position:absolute;left:589.013px;top:376.8px;">9,932,719 </div><div id="a16450" style="position:absolute;left:638.213px;top:376.8px;">$ </div><div id="a16452" style="position:absolute;left:667.013px;top:376.8px;">9,238,571 </div><div id="a16455" style="position:absolute;left:728.24px;top:376.8px;">$ </div><div id="a16457" style="position:absolute;left:757.04px;top:376.8px;">9,297,661 </div><div id="a16459" style="position:absolute;left:19.2px;top:391.7px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Intangible assets </div><div id="a16464" style="position:absolute;font-weight:bold;left:437.413px;top:391.7px;">(131,965) </div><div id="a16468" style="position:absolute;left:515.653px;top:391.7px;">(134,719) </div><div id="a16472" style="position:absolute;left:593.653px;top:391.7px;">(137,475) </div><div id="a16476" style="position:absolute;left:671.653px;top:391.7px;">(140,243) </div><div id="a16480" style="position:absolute;left:761.68px;top:391.7px;">(143,034) </div><div id="a16482" style="position:absolute;left:19.2px;top:407.7px;">Tangible assets (Non-GAAP) </div><div id="a16488" style="position:absolute;font-weight:bold;left:404.187px;top:407.7px;">$ </div><div id="a16490" style="position:absolute;font-weight:bold;left:432.853px;top:407.7px;">9,694,046 </div><div id="a16493" style="position:absolute;left:482.213px;top:407.7px;">$ </div><div id="a16495" style="position:absolute;left:511.013px;top:407.7px;">9,884,272 </div><div id="a16498" style="position:absolute;left:560.213px;top:407.7px;">$ </div><div id="a16500" style="position:absolute;left:589.013px;top:407.7px;">9,795,244 </div><div id="a16503" style="position:absolute;left:638.213px;top:407.7px;">$ </div><div id="a16505" style="position:absolute;left:667.013px;top:407.7px;">9,098,328 </div><div id="a16508" style="position:absolute;left:728.24px;top:407.7px;">$ </div><div id="a16510" style="position:absolute;left:757.04px;top:407.7px;">9,154,627 </div><div id="a16512" style="position:absolute;font-weight:bold;left:19.2px;top:424.8px;">Non-GAAP TCE Ratio </div><div id="a16532" style="position:absolute;left:19.2px;top:439.7px;">Tangible common equity </div><div id="a16536" style="position:absolute;font-weight:bold;left:404.187px;top:439.7px;">$ </div><div id="a16538" style="position:absolute;font-weight:bold;left:441.013px;top:439.7px;">872,140 </div><div id="a16541" style="position:absolute;left:482.213px;top:439.7px;">$ </div><div id="a16543" style="position:absolute;left:519.093px;top:439.7px;">847,733 </div><div id="a16546" style="position:absolute;left:560.213px;top:439.7px;">$ </div><div id="a16548" style="position:absolute;left:597.093px;top:439.7px;">821,939 </div><div id="a16551" style="position:absolute;left:638.213px;top:439.7px;">$ </div><div id="a16553" style="position:absolute;left:675.093px;top:439.7px;">800,481 </div><div id="a16556" style="position:absolute;left:728.24px;top:439.7px;">$ </div><div id="a16558" style="position:absolute;left:765.12px;top:439.7px;">820,574 </div><div id="a16560" style="position:absolute;left:19.2px;top:454.8px;">Tangible assets </div><div id="a16565" style="position:absolute;font-weight:bold;left:432.853px;top:454.8px;">9,694,046 </div><div id="a16569" style="position:absolute;left:511.013px;top:454.8px;">9,884,272 </div><div id="a16573" style="position:absolute;left:589.013px;top:454.8px;">9,795,244 </div><div id="a16577" style="position:absolute;left:667.013px;top:454.8px;">9,098,328 </div><div id="a16581" style="position:absolute;left:757.04px;top:454.8px;">9,154,627 </div><div id="a16583" style="position:absolute;left:19.2px;top:470.8px;">TCE ratio </div><div id="a16588" 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id="a16635" style="position:absolute;left:482.213px;top:501.7px;">$ </div><div id="a16637" style="position:absolute;left:511.013px;top:501.7px;">1,062,460 </div><div id="a16640" style="position:absolute;left:560.213px;top:501.7px;">$ </div><div id="a16642" style="position:absolute;left:589.013px;top:501.7px;">1,037,195 </div><div id="a16645" style="position:absolute;left:638.213px;top:501.7px;">$ </div><div id="a16647" style="position:absolute;left:667.013px;top:501.7px;">1,043,481 </div><div id="a16650" style="position:absolute;left:728.24px;top:501.7px;">$ </div><div id="a16652" style="position:absolute;left:757.04px;top:501.7px;">1,062,720 </div><div id="a16654" style="position:absolute;left:19.2px;top:516.8px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Average noncumulative perpetual preferred<div style="display:inline-block;width:4.3px">&#160;</div>stock </div><div id="a16659" style="position:absolute;font-weight:bold;left:442.853px;top:516.8px;">(92,000) 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<div style="position:absolute; width:68px; height:1px; left:437.3px; top:177.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1px; left:19.2px; top:177.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:781px; height:12.7px; left:19.2px; top:178px; background-color:#DBEEF4;">&#160;</div>
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<div style="position:absolute; width:68px; height:1px; left:437.3px; top:598.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1px; left:732.3px; top:596.7px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:68px; height:1px; left:437.3px; top:582.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1px; left:732.3px; top:568.7px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:68px; height:1px; left:650.3px; top:554.7px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:68px; height:1px; left:732.3px; top:512.7px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:68px; height:1px; left:437.3px; top:512.7px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:68px; height:1px; left:437.3px; top:428.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:358.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:344.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:330.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:260.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:246.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:190.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1.3px; left:732.3px; top:176.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1.3px; left:650.3px; top:176.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1.3px; left:579.3px; top:176.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1.3px; left:508.3px; top:176.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:68px; height:1.3px; left:437.3px; top:176.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:415.1px; height:1.3px; left:19.2px; top:176.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:363.1px; height:1.3px; left:437.3px; top:148.6px; background-color:#000000;">&#160;</div>
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style="position:absolute;left:686.293px;top:289.7px;">14.62% </div><div id="a17120" style="position:absolute;left:768.32px;top:289.7px;">13.91% </div><div id="a17122" style="position:absolute;left:19.2px;top:303.7px;">Leverage ratio </div><div id="a17124" style="position:absolute;font-size:8px;left:419.227px;top:302.6px;">(19) </div><div id="a17128" style="position:absolute;font-weight:bold;left:473.013px;top:303.7px;">10.30% </div><div id="a17132" style="position:absolute;left:544.293px;top:303.7px;">10.00% </div><div id="a17136" style="position:absolute;left:615.333px;top:303.7px;">10.16% </div><div id="a17140" style="position:absolute;left:686.293px;top:303.7px;">10.14% </div><div id="a17144" style="position:absolute;left:773.68px;top:303.7px;">9.24% </div><div id="a17163" style="position:absolute;font-weight:bold;left:19.2px;top:332px;">Common Equity Tier 1 Capital Ratio Under Basel III Standardized<div style="display:inline-block;width:3.81px">&#160;</div>Approach </div><div 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style="position:absolute;left:685.573px;top:387.7px;">10,130 </div><div id="a17279" style="position:absolute;left:767.6px;top:387.7px;">10,130 </div><div id="a17281" style="position:absolute;left:19.2px;top:401.7px;"><div style="display:inline-block;width:24.08px">&#160;</div>Unrealized gains on available-for<div style="display:inline-block;width:1.46px">&#160;</div>-sale securities, net of income tax </div><div id="a17291" style="position:absolute;font-weight:bold;left:468.853px;top:401.7px;">(12,091) </div><div id="a17295" style="position:absolute;left:545.493px;top:401.7px;">(9,453) </div><div id="a17299" style="position:absolute;left:616.533px;top:401.7px;">(8,885) </div><div id="a17303" style="position:absolute;left:687.493px;top:401.7px;">(7,576) </div><div id="a17307" style="position:absolute;left:781.04px;top:401.7px;">441 </div><div id="a17309" style="position:absolute;left:19.2px;top:415.7px;"><div style="display:inline-block;width:24.08px">&#160;</div>Unrealized losses on cash flow hedges, net of income tax </div><div id="a17316" style="position:absolute;font-weight:bold;left:477.893px;top:415.7px;">1,069 </div><div id="a17320" style="position:absolute;left:548.933px;top:415.7px;">1,185 </div><div id="a17324" style="position:absolute;left:619.973px;top:415.7px;">1,297 </div><div id="a17328" style="position:absolute;left:690.933px;top:415.7px;">1,286 </div><div id="a17332" style="position:absolute;left:781.04px;top:415.7px;">567 </div><div id="a17338" style="position:absolute;font-weight:bold;left:458.933px;top:429.7px;">1,027,729 </div><div id="a17342" style="position:absolute;left:530.053px;top:429.7px;">1,007,678 </div><div id="a17346" style="position:absolute;left:609.173px;top:429.7px;">984,095 </div><div id="a17350" style="position:absolute;left:680.133px;top:429.7px;">966,316 </div><div id="a17354" style="position:absolute;left:762.16px;top:429.7px;">964,616 </div><div id="a17356" style="position:absolute;left:19.2px;top:443.7px;">Less:<div 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style="position:absolute;left:682.053px;top:457.7px;">(37,241) </div><div id="a17401" style="position:absolute;left:764.08px;top:457.7px;">(39,127) </div><div id="a17403" style="position:absolute;left:19.2px;top:471.7px;"><div style="display:inline-block;width:28.88px">&#160;</div>Disallowed deferred tax assets, net </div><div id="a17409" style="position:absolute;font-weight:bold;left:468.853px;top:471.7px;">(15,513) </div><div id="a17413" style="position:absolute;left:540.053px;top:471.7px;">(25,163) </div><div id="a17417" style="position:absolute;left:611.093px;top:471.7px;">(25,564) </div><div id="a17421" style="position:absolute;left:682.053px;top:471.7px;">(26,650) </div><div id="a17423" style="position:absolute;font-size:8px;left:718.213px;top:474.9px;">(a) </div><div id="a17426" style="position:absolute;left:764.08px;top:471.7px;">(95,879) </div><div id="a17428" style="position:absolute;left:19.2px;top:485.7px;"><div style="display:inline-block;width:28.88px">&#160;</div>Threshold 15% </div><div id="a17434" style="position:absolute;font-weight:bold;left:499.013px;top:485.7px;">- </div><div id="a17438" style="position:absolute;left:569.973px;top:485.7px;">- </div><div id="a17442" style="position:absolute;left:641.013px;top:485.7px;">- </div><div id="a17446" style="position:absolute;left:711.973px;top:485.7px;">- </div><div id="a17448" style="position:absolute;font-size:8px;left:718.213px;top:488.9px;">(a) </div><div id="a17451" style="position:absolute;left:769.52px;top:485.7px;">(8,099) </div><div id="a17453" style="position:absolute;left:19.2px;top:499.7px;">Common equity Tier 1 capital </div><div id="a17458" style="position:absolute;font-weight:bold;left:467.093px;top:499.7px;">894,074 </div><div id="a17462" style="position:absolute;left:538.133px;top:499.7px;">862,636 </div><div id="a17466" style="position:absolute;left:609.173px;top:499.7px;">836,899 </div><div id="a17470" style="position:absolute;left:680.133px;top:499.7px;">816,356 </div><div id="a17474" style="position:absolute;left:762.16px;top:499.7px;">735,442 </div><div id="a17476" style="position:absolute;left:19.2px;top:513.7px;">Plus:<div style="display:inline-block;width:4.9px">&#160;</div>Qualifying noncumulative perpetual preferred stock </div><div id="a17481" style="position:absolute;font-weight:bold;left:472.533px;top:513.7px;">92,000 </div><div id="a17485" style="position:absolute;left:543.573px;top:513.7px;">92,000 </div><div id="a17489" style="position:absolute;left:614.613px;top:513.7px;">92,000 </div><div id="a17493" style="position:absolute;left:685.573px;top:513.7px;">92,000 </div><div id="a17497" style="position:absolute;left:767.6px;top:513.7px;">92,000 </div><div id="a17499" style="position:absolute;left:19.2px;top:527.7px;"><div style="display:inline-block;width:28.88px">&#160;</div>Qualifying noncumulative perpetual preferred<div style="display:inline-block;width:3.74px">&#160;</div>stock issuance costs </div><div id="a17505" style="position:absolute;font-weight:bold;left:468.853px;top:527.7px;">(10,130) </div><div id="a17509" style="position:absolute;left:540.053px;top:527.7px;">(10,130) </div><div id="a17513" style="position:absolute;left:611.093px;top:527.7px;">(10,130) </div><div id="a17517" style="position:absolute;left:682.053px;top:527.7px;">(10,130) </div><div id="a17521" style="position:absolute;left:764.08px;top:527.7px;">(10,130) </div><div id="a17523" style="position:absolute;left:19.2px;top:541.7px;"><div style="display:inline-block;width:28.88px">&#160;</div>Subordinated capital notes </div><div id="a17529" style="position:absolute;font-weight:bold;left:472.533px;top:541.7px;">35,000 </div><div id="a17533" style="position:absolute;left:543.573px;top:541.7px;">35,000 </div><div id="a17537" style="position:absolute;left:614.613px;top:541.7px;">35,000 </div><div id="a17541" style="position:absolute;left:685.573px;top:541.7px;">35,000 </div><div id="a17545" style="position:absolute;left:767.6px;top:541.7px;">35,000 </div><div id="a17547" style="position:absolute;left:19.2px;top:555.7px;">Tier 1 capital </div><div id="a17552" style="position:absolute;font-weight:bold;left:458.933px;top:555.7px;">1,010,944 </div><div id="a17556" style="position:absolute;left:538.133px;top:555.7px;">979,506 </div><div id="a17560" style="position:absolute;left:609.173px;top:555.7px;">953,769 </div><div id="a17564" style="position:absolute;left:680.133px;top:555.7px;">933,226 </div><div id="a17568" style="position:absolute;left:762.16px;top:555.7px;">852,312 </div><div id="a17570" style="position:absolute;left:19.2px;top:569.7px;">Plus tier 2 capital:<div style="display:inline-block;width:5.25px">&#160;</div>Qualifying allowance for loan and lease losses </div><div id="a17575" style="position:absolute;font-weight:bold;left:472.533px;top:569.7px;">85,820 </div><div id="a17579" style="position:absolute;left:543.573px;top:569.7px;">86,238 </div><div id="a17583" style="position:absolute;left:614.613px;top:569.7px;">87,218 </div><div id="a17587" style="position:absolute;left:685.573px;top:569.7px;">87,522 </div><div id="a17591" style="position:absolute;left:767.6px;top:569.7px;">85,651 </div><div id="a17593" style="position:absolute;left:19.2px;top:583.7px;">Total risk-based<div style="display:inline-block;width:3.99px">&#160;</div>capital </div><div id="a17599" style="position:absolute;font-weight:bold;left:437.253px;top:583.7px;">$ </div><div id="a17601" style="position:absolute;font-weight:bold;left:458.933px;top:583.7px;">1,096,764 </div><div id="a17604" style="position:absolute;left:508.213px;top:583.7px;">$ </div><div id="a17606" style="position:absolute;left:530.053px;top:583.7px;">1,065,744 </div><div id="a17609" style="position:absolute;left:579.253px;top:583.7px;">$ </div><div id="a17611" style="position:absolute;left:601.093px;top:583.7px;">1,040,987 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style="display:inline-block;width:4.44px">&#160;</div>It Increased common equity tier 1 (CET1) capital threshold deductions<div style="display:inline-block;width:3.78px">&#160;</div>from </div><div id="a17647" style="position:absolute;left:19.2px;top:636.7px;">10 percent to 25 percent and removes the aggregate<div style="display:inline-block;width:4.23px">&#160;</div>15 percent CET1 threshold deduction. However,<div style="display:inline-block;width:4.43px">&#160;</div>it retains the 250 percent risk weight applicable<div style="display:inline-block;width:3.9px">&#160;</div>to non-deducted amounts of </div><div id="a17651" style="position:absolute;left:19.2px;top:649.8px;">MSAs and temporary difference DTAs. </div><div id="a17670" style="position:absolute;left:404.347px;top:683.5px;">16 </div><div id="a17672" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:696.6px;"><div style="display:inline-block;width:3.68px">&#160;</div></div></div>
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<div id="a17674" style="position:absolute;font-size:13.36px;left:19.2px;top:47.9px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a17676" style="position:absolute;font-size:13.36px;left:19.2px;top:991.8px;"><div style="display:inline-block;width:3.04px">&#160;</div></div><div id="a17678" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:65px;">OFG Bancorp (NYSE: OFG) </div><div id="a17683" style="position:absolute;font-size:13.36px;font-weight:bold;left:19.2px;top:81.9px;">Table 9: Notes to Financial Summary,<div style="display:inline-block;width:4.67px">&#160;</div>Selected Metrics, Loans, and Consolidated Financial Statements (Tables<div style="display:inline-block;width:4.35px">&#160;</div>1 - 8) </div><div id="a17701" style="position:absolute;left:25.6px;top:113.2px;">(1) </div><div id="a17703" style="position:absolute;left:49.2px;top:113.2px;">We used the terms &quot;PCI&quot; and &quot;SOP&quot; to refer<div style="display:inline-block;width:3.9px">&#160;</div>to loans acquired with credit deterioration<div style="display:inline-block;width:3.78px">&#160;</div>from the Scotiabank acquisition (December 31, 2019), the BBVAPR<div style="display:inline-block;width:4.03px">&#160;</div>acquisition </div><div id="a17705" style="position:absolute;left:49.2px;top:126.3px;">(December 18, 2012) and the Eurobank FDIC-Assisted acquisition (April 30, 2010), recorded<div style="display:inline-block;width:4.18px">&#160;</div>at fair value at acquisition. 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PCD accounting is<div style="display:inline-block;width:3.74px">&#160;</div>called &#8216;gross-up accounting&#8217; because, at </div><div id="a17717" style="position:absolute;left:49.2px;top:165.3px;">acquisition, an entity grosses up the amortized cost basis<div style="display:inline-block;width:3.76px">&#160;</div>of the PCD asset for the initial estimate of credit losses.<div style="display:inline-block;width:3.74px">&#160;</div>This Day 1 allowance for credit losses is established </div><div id="a17719" style="position:absolute;left:49.2px;top:178.4px;">without an income statement effect.<div style="display:inline-block;width:3.88px">&#160;</div>The Company elected to maintain previously existing<div style="display:inline-block;width:4.13px">&#160;</div>pools on adoption, therefore the pool continues to<div style="display:inline-block;width:3.84px">&#160;</div>be the unit of account, </div><div id="a17722" style="position:absolute;left:49.2px;top:191.4px;">and the allowance and non-credit discount or premium is not allocated<div style="display:inline-block;width:4.13px">&#160;</div>to the individual assets. 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for additional information. </div><div id="a17753" style="position:absolute;left:25.6px;top:299.5px;">(6) </div><div id="a17755" style="position:absolute;left:49.2px;top:301.5px;">Information includes all loans held for investment,<div style="display:inline-block;width:4px">&#160;</div>including PCD loans. </div><div id="a17757" style="position:absolute;left:25.6px;top:314.5px;">(7) </div><div id="a17759" style="position:absolute;left:49.2px;top:316.5px;">Calculated based on annualized net interest<div style="display:inline-block;width:3.81px">&#160;</div>income for the period divided by average<div style="display:inline-block;width:3.83px">&#160;</div>interest-earning assets for the period. </div><div id="a17764" style="position:absolute;left:25.6px;top:329.5px;">(8) </div><div id="a17766" style="position:absolute;left:49.2px;top:331.5px;">Calculated based on annualized income, net of tax,<div style="display:inline-block;width:3.81px">&#160;</div>for the period divided by average total<div style="display:inline-block;width:3.95px">&#160;</div>assets for the period. </div><div id="a17768" style="position:absolute;left:25.6px;top:344.5px;">(9) </div><div id="a17770" style="position:absolute;left:49.2px;top:346.5px;">Calculated based on annualized income available<div style="display:inline-block;width:3.85px">&#160;</div>to common shareholders for the period divided by average<div style="display:inline-block;width:4.36px">&#160;</div>tangible common equity for the period. </div><div id="a17773" style="position:absolute;left:22.88px;top:359.5px;">(10) </div><div id="a17775" style="position:absolute;left:49.2px;top:361.5px;">Calculated based on non-interest expense for<div style="display:inline-block;width:3.96px">&#160;</div>the period divided by total net interest income<div style="display:inline-block;width:3.82px">&#160;</div>and total banking and financial services revenues for the<div style="display:inline-block;width:3.74px">&#160;</div>period. </div><div id="a17781" style="position:absolute;left:22.88px;top:374.5px;">(11) </div><div id="a17783" style="position:absolute;left:49.2px;top:376.5px;">Calculated based on annualized net charge-offs<div style="display:inline-block;width:3.91px">&#160;</div>for the period divided by average loans held<div style="display:inline-block;width:3.77px">&#160;</div>for investment for the period. </div><div id="a17787" style="position:absolute;left:22.88px;top:389.5px;">(12) </div><div id="a17789" style="position:absolute;left:49.2px;top:389.5px;">Non-GAAP ratios. See &quot;Table<div style="display:inline-block;width:3.86px">&#160;</div>9: Reconciliation of GAAP to Non-GAAP Measures and Calculation<div style="display:inline-block;width:3.76px">&#160;</div>of Regulatory Capital Measures&quot; for information<div style="display:inline-block;width:4.16px">&#160;</div>on the calculation of </div><div id="a17795" style="position:absolute;left:49.2px;top:402.5px;">each of these ratios. </div><div id="a17797" style="position:absolute;left:22.88px;top:415.6px;">(13) </div><div id="a17799" style="position:absolute;left:49.2px;top:417.5px;">Production of new loans (excluding renewals). </div><div id="a17801" style="position:absolute;left:22.88px;top:430.5px;">(14) </div><div id="a17803" style="position:absolute;left:49.2px;top:430.5px;">Most PCD loans are considered to be performing due to<div style="display:inline-block;width:3.93px">&#160;</div>the application of the accretion method, in which these loans will accrete<div style="display:inline-block;width:3.94px">&#160;</div>interest income over the remaining </div><div id="a17807" style="position:absolute;left:49.2px;top:443.6px;">life of the loans using estimated cash flow analyses.<div style="display:inline-block;width:3.82px">&#160;</div>Therefore, they are not included as non-performing<div style="display:inline-block;width:3.99px">&#160;</div>loans. PCD loan pools that are not accreting interest<div style="display:inline-block;width:3.81px">&#160;</div>income </div><div id="a17810" style="position:absolute;left:49.2px;top:456.6px;">are deemed to be non-performing loans and presented<div style="display:inline-block;width:3.85px">&#160;</div>separately. </div><div id="a17815" style="position:absolute;left:22.88px;top:469.6px;">(15) </div><div id="a17817" style="position:absolute;left:49.2px;top:471.6px;">Total risk-based<div style="display:inline-block;width:3.99px">&#160;</div>capital equals the sum of Tier 1 capital and Tier 2 capital. </div><div id="a17821" style="position:absolute;left:22.88px;top:484.6px;">(16) </div><div id="a17823" style="position:absolute;left:49.2px;top:486.6px;">Common equity Tier 1 capital ratio is a regulatory capital<div style="display:inline-block;width:4.17px">&#160;</div>measure calculated based on Common equity Tier 1 capital divided<div style="display:inline-block;width:3.75px">&#160;</div>by risk-weighted assets. </div><div id="a17828" style="position:absolute;left:22.88px;top:499.6px;">(17) </div><div id="a17830" style="position:absolute;left:49.2px;top:501.6px;">Tier 1 risk-based capital ratio is a regulatory<div style="display:inline-block;width:4.05px">&#160;</div>capital measure calculated based on Tier 1 capital<div style="display:inline-block;width:3.86px">&#160;</div>divided by risk-weighted assets. </div><div id="a17836" style="position:absolute;left:22.88px;top:514.6px;">(18) </div><div id="a17838" style="position:absolute;left:49.2px;top:516.6px;">Total risk-based<div style="display:inline-block;width:3.99px">&#160;</div>capital ratio is a regulatory capital<div style="display:inline-block;width:3.87px">&#160;</div>measure calculated based on Total<div style="display:inline-block;width:4.18px">&#160;</div>risk-based capital divided by risk-weighted<div style="display:inline-block;width:4.25px">&#160;</div>assets. </div><div id="a17848" style="position:absolute;left:22.88px;top:529.6px;">(19) </div><div id="a17850" style="position:absolute;left:49.2px;top:531.6px;">Leverage capital ratio is a regulatory<div style="display:inline-block;width:4.11px">&#160;</div>capital measure calculated based on Tier 1 capital<div style="display:inline-block;width:3.86px">&#160;</div>divided by average assets, after certain<div style="display:inline-block;width:3.83px">&#160;</div>adjustments. </div><div id="a17853" style="position:absolute;left:22.88px;top:544.6px;">(20) </div><div id="a17855" style="position:absolute;left:49.2px;top:544.6px;">In March 2020, in light of recent strains on the U.S.<div style="display:inline-block;width:3.93px">&#160;</div>economy as a result of the coronavirus disease 2019 (COVID<div style="display:inline-block;width:1.69px">&#160;</div>-19), the Board of Governors of the Federal Reserve </div><div id="a17859" style="position:absolute;left:49.2px;top:557.7px;">System, the Federal Deposit Insurance<div style="display:inline-block;width:3.77px">&#160;</div>Corporation, and the Office of the Comptroller of the Currency<div style="display:inline-block;width:3.89px">&#160;</div>issued an interim final rule that provided the option to </div><div id="a17861" style="position:absolute;left:49.2px;top:570.6px;">temporarily delay the effects of CECL<div style="display:inline-block;width:3.93px">&#160;</div>on regulatory capital for two years,<div style="display:inline-block;width:3.9px">&#160;</div>followed by a three-year transition<div style="display:inline-block;width:3.84px">&#160;</div>period. In addition, for the first two years,<div style="display:inline-block;width:3.75px">&#160;</div>a uniform 25% </div><div id="a17866" style="position:absolute;left:49.2px;top:583.7px;">&#8220;scaling factor&#8221; is introduced to approximate<div style="display:inline-block;width:4px">&#160;</div>the portion of the post day-one allowance attributable<div style="display:inline-block;width:3.95px">&#160;</div>to CECL relative to the incurred loss methodology.<div style="display:inline-block;width:4.43px">&#160;</div>The 25% scaling </div><div id="a17870" style="position:absolute;left:49.2px;top:596.7px;">factor is calibrated to approximate<div style="display:inline-block;width:4.22px">&#160;</div>an overall after-tax impact of differences<div style="display:inline-block;width:4.17px">&#160;</div>in allowances under CECL vs the incurred loss methodology. </div><div id="a17874" style="position:absolute;left:22.88px;top:609.8px;">(21) </div><div id="a17876" style="position:absolute;left:49.2px;top:609.8px;">CECL replaces the concept of purchased credit impaired<div style="display:inline-block;width:3.82px">&#160;</div>loans (PCI assets) with the concept of purchased financial assets with credit<div style="display:inline-block;width:3.86px">&#160;</div>deterioration (PCD assets). An </div><div id="a17878" style="position:absolute;left:49.2px;top:622.7px;">entity records a PCD asset at the purchase price plus the<div style="display:inline-block;width:3.79px">&#160;</div>allowance for credit losses expected at the time<div style="display:inline-block;width:3.77px">&#160;</div>of acquisition. Under this method, there is no credit loss </div><div id="a17881" style="position:absolute;left:49.2px;top:635.8px;">expense affecting net income on acquisition. Changes<div style="display:inline-block;width:3.82px">&#160;</div>in estimates of expected credit losses after acquisition<div style="display:inline-block;width:3.88px">&#160;</div>are recognized as credit loss expense (or reversal<div style="display:inline-block;width:4.3px">&#160;</div>of credit </div><div id="a17883" style="position:absolute;left:49.2px;top:648.8px;">loss expense) in subsequent periods as they arise. </div><div id="a17885" style="position:absolute;left:22.88px;top:661.8px;">(22) </div><div id="a17887" style="position:absolute;left:49.2px;top:661.8px;">Pre-provision net revenues is a non-GAAP measure calculated<div style="display:inline-block;width:4.22px">&#160;</div>based on net interest income plus total non-interest<div style="display:inline-block;width:4.22px">&#160;</div>income, net, less total non-interest expenses<div style="display:inline-block;width:3.86px">&#160;</div>for the </div><div id="a17896" style="position:absolute;left:49.2px;top:674.8px;">period. </div><div id="a17911" style="position:absolute;left:392.107px;top:702.9px;">17 </div><div id="a17913" style="position:absolute;font-family:Arial;font-size:13.36px;left:19.2px;top:717.9px;">&#160;</div></div>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>ofg-20201231_lab.xml
<DESCRIPTION>EX101 LAB
<TEXT>
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<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) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm139831496443192">
<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>Jan. 25, 2021</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">Jan. 25,  2021<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, 15thFloor<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 Munoz 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>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<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_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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common shares, par value $1.00 per share<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_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OFG<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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember', window );">Series A Preferred Stock [Member]</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_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">7.125% Noncumulative Monthly Income Preferred Stock, Series A ($25.00 liquidation preference per share)<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_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OFG.PRA<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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<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_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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">7.0% Noncumulative Monthly Income Preferred Stock, Series B ($25.00 liquidation preference per share)<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_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OFG.PRB<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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesDPreferredStockMember', window );">Series D Preferred Stock [Member]</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_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<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_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">7.125% Noncumulative Perpetual Preferred Stock, Series D ($25.00 liquidation preference per share)<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_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OFG.PRD<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_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<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>
<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_EntityCentralIndexKey">
<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>
</div></td></tr>
</table>
<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_Security12bTitle">
<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>Title of a 12(b) registered security.</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 12<br> -Subsection b<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_Security12bTitle</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:securityTitleItemType</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_SecurityExchangeName">
<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 Exchange on which a security is registered.</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 12<br> -Subsection d1-1<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_SecurityExchangeName</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:edgarExchangeCodeItemType</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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<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>Trading symbol of an instrument as listed on an exchange.</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_TradingSymbol</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:tradingSymbolItemType</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_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>
</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_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
