<SEC-DOCUMENT>0001030469-21-000013.txt : 20210423
<SEC-HEADER>0001030469-21-000013.hdr.sgml : 20210423
<ACCEPTANCE-DATETIME>20210423170435
ACCESSION NUMBER:		0001030469-21-000013
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20210421
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210423
DATE AS OF CHANGE:		20210423

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/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12647
		FILM NUMBER:		21850571

	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="a215" style="position:absolute;font-weight:bold;left:357.573px;top:96.2px;">Explanatory Note </div><div id="a217" style="position:absolute;font-weight:bold;left:408.16px;top:113.8px;">&#160;</div><div id="a218" style="position:absolute;left:96.032px;top:131.4px;"><ix:nonNumeric id="ID_28" name="dei:AmendmentDescription" contextRef="FROM_Apr21_2021_TO_Apr21_2021_Entity_0001030469" continuedAt="XBRL_CS_17c23d2b0e1742f482996e0783586bed_1">OFG Bancorp is filing this Amendment to its Form 8-K for the quarter ended March 31, 2021 originally filed with </ix:nonNumeric></div><div id="a225" style="position:absolute;left:96.032px;top:149px;"><ix:continuation id="XBRL_CS_17c23d2b0e1742f482996e0783586bed_1" continuedAt="XBRL_CS_17c23d2b0e1742f482996e0783586bed_2">the Securities and Exchange Commission on April 21, 2021 (the &#8220;8-K&#8221;) solely to include the eXtensible Business </ix:continuation></div><div id="a231" style="position:absolute;left:96.032px;top:166.7px;"><ix:continuation id="XBRL_CS_17c23d2b0e1742f482996e0783586bed_2" continuedAt="XBRL_CS_17c23d2b0e1742f482996e0783586bed_3">Reporting Language (&#8220;XBRL&#8221;), which was inadvertently omitted from the Form 8-K because of a technical error in </ix:continuation></div><div id="a235" style="position:absolute;left:96.032px;top:184.3px;"><ix:continuation id="XBRL_CS_17c23d2b0e1742f482996e0783586bed_3" continuedAt="XBRL_CS_17c23d2b0e1742f482996e0783586bed_4">the submission.  Except for such correction, this amendment does not update, modify or amend any disclosure set </ix:continuation></div><div id="a239" style="position:absolute;left:96.032px;top:202.2px;"><ix:continuation id="XBRL_CS_17c23d2b0e1742f482996e0783586bed_4">forth in the Form 8-K as originally filed.</ix:continuation></div><div id="a242" style="position:absolute;font-weight:bold;left:312.453px;top:202.2px;">&#160;</div><div id="a243" style="position:absolute;left:96.032px;top:219.8px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a245" style="position:absolute;left:96.032px;top:237.4px;"><div style="display:inline-block;width:16.64px">&#160;</div></div></div>
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<div id="a247" style="position:absolute;font-weight:bold;left:96.032px;top:96.2px;">Item 2.02. Results of Operations<div style="display:inline-block;width:2.18px">&#160;</div>and Financial Condition. </div><div id="a252" style="position:absolute;left:96.032px;top:113.8px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a254" style="position:absolute;left:96.032px;top:131.4px;"><div style="display:inline-block;width:16.96px">&#160;</div>On April 21,<div style="display:inline-block;width:2.76px">&#160;</div>2021,<div style="display:inline-block;width:3.04px">&#160;</div>OFG Bancorp (the &#8220;Company&#8221;)<div style="display:inline-block;width:2.02px">&#160;</div>announced the results for the quarter<div style="display:inline-block;width:1.82px">&#160;</div>ended March 31, 2021. </div><div id="a264" style="position:absolute;left:96.032px;top:149px;">A copy of the Company&#8217;s press release is attached<div style="display:inline-block;width:2.11px">&#160;</div>as an exhibit to this report.<div style="display:inline-block;width:2.1px">&#160;</div></div><div id="a267" style="position:absolute;font-weight:bold;left:96.032px;top:166.7px;">&#160;</div><div id="a268" style="position:absolute;font-weight:bold;left:96.032px;top:184.3px;">Item 9.01. 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<div id="a343" style="position:absolute;font-weight:bold;left:364.613px;top:96.2px;">SIGNATURES</div><div id="a344" style="position:absolute;left:451.36px;top:96.2px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a346" style="position:absolute;left:96.032px;top:113.8px;"><div style="display:inline-block;width:16.96px">&#160;</div>Pursuant to the requirements<div style="display:inline-block;width:2.01px">&#160;</div>of the Securities Exchange Act of<div style="display:inline-block;width:2.04px">&#160;</div>1934, the Company has duly<div style="display:inline-block;width:1.67px">&#160;</div>caused this report to </div><div id="a348" style="position:absolute;left:96.032px;top:131.4px;">be signed on its behalf by the undersigned<div style="display:inline-block;width:1.92px">&#160;</div>hereunto duly authorized.<div style="display:inline-block;width:1.94px">&#160;</div></div><div id="a350" style="position:absolute;left:96.032px;top:149px;">&#160;</div><div id="a351" style="position:absolute;left:96.032px;top:166.7px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a353" style="position:absolute;left:363.653px;top:166.7px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a355" style="position:absolute;left:417.76px;top:166.7px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a357" style="position:absolute;left:421.28px;top:166.7px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a359" style="position:absolute;left:96.032px;top:184.3px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a361" style="position:absolute;font-weight:bold;left:363.653px;top:184.3px;">OFG BANCORP</div><div id="a364" style="position:absolute;left:363.653px;top:219.8px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a366" style="position:absolute;left:96.032px;top:237.4px;">Date: April 21,<div style="display:inline-block;width:2.88px">&#160;</div>2021 </div><div id="a370" style="position:absolute;left:363.653px;top:237.4px;">By:<div style="display:inline-block;width:6.53px">&#160;</div></div><div id="a374" style="position:absolute;left:391.2px;top:237.4px;">/s/ Maritza Arizmendi </div><div id="a377" style="position:absolute;left:96.032px;top:256px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a379" style="position:absolute;left:363.653px;top:256px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a381" style="position:absolute;left:391.2px;top:256px;">Maritza Arizmendi </div><div id="a383" style="position:absolute;left:96.032px;top:273.6px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a385" style="position:absolute;left:363.653px;top:273.6px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a387" style="position:absolute;left:391.2px;top:273.6px;">Executive Vice President and Chief Financial Officer<div style="display:inline-block;width:2.11px">&#160;</div></div><div id="a390" style="position:absolute;font-family:Calibri;font-size:14.72px;left:96.032px;top:291px;">&#160;</div></div>
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<img src="ofg8kexhibit991q21p1i0.jpg" alt="ofg8kexhibit991q21p1i0.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:13.44px;font-weight:bold;left:713.533px;top:19.2px;">Exhibit 99 </div><div id="a2" style="position:absolute;font-size:13.44px;left:768.293px;top:76.8px;">&#160;</div><div id="a3" style="position:absolute;font-size:13.44px;left:768.293px;top:105.6px;">&#160;</div><div id="a4" style="position:absolute;font-size:24px;font-weight:bold;color:#F5821F;left:19.2px;top:138.1px;">OFG Bancorp Reports 1Q21 Results </div><div id="a6" style="position:absolute;font-size:14.72px;left:19.2px;top:183.5px;">OFG Bancorp Reports 1Q21 Results </div><div id="a8" style="position:absolute;font-size:14.72px;left:19.2px;top:217.4px;">SAN JUAN, Puerto Rico, April 21,<div style="display:inline-block;width:4.9px">&#160;</div>2021 &#8211; OFG Bancorp (NYSE: OFG), the financial holding company<div style="display:inline-block;width:4.92px">&#160;</div>for Oriental Bank, reported </div><div id="a12" style="position:absolute;font-size:14.72px;left:19.2px;top:235.3px;">results for the first quarter ended March 31, 2021. </div><div id="a15" style="position:absolute;font-size:18.56px;color:#4D4D4D;left:19.2px;top:269.1px;">CEO Comment </div><div id="a17" style="position:absolute;font-size:14.72px;left:19.2px;top:308px;">Jos&#233; Rafael<div style="display:inline-block;width:6.86px">&#160;</div>Fern&#225;ndez, Chief<div style="display:inline-block;width:6.34px">&#160;</div>Executive Officer,<div style="display:inline-block;width:8.06px">&#160;</div>said: &#8220;First<div style="display:inline-block;width:6.23px">&#160;</div>quarter results<div style="display:inline-block;width:6.37px">&#160;</div>reflected strong<div style="display:inline-block;width:6.89px">&#160;</div>core performance<div style="display:inline-block;width:6.47px">&#160;</div>based on the </div><div id="a18" style="position:absolute;font-size:14.72px;left:19.2px;top:325.9px;">continued success of our<div style="display:inline-block;width:5.98px">&#160;</div>strategies focusing<div style="display:inline-block;width:6.34px">&#160;</div>on agility and service.<div style="display:inline-block;width:6.01px">&#160;</div>Our results also<div style="display:inline-block;width:5.52px">&#160;</div>reflected the federal<div style="display:inline-block;width:6.53px">&#160;</div>stimulus, increased </div><div id="a20" style="position:absolute;font-size:14.72px;left:19.2px;top:343.8px;">liquidity, and an improving Puerto Rico economy as more people get vaccinated. </div><div id="a22" style="position:absolute;font-size:14.72px;left:19.2px;top:377.8px;">&#8220;We benefitted<div style="display:inline-block;width:7.03px">&#160;</div>from strong<div style="display:inline-block;width:6.72px">&#160;</div>new loan generation<div style="display:inline-block;width:7.73px">&#160;</div>and deposit growth,<div style="display:inline-block;width:7.47px">&#160;</div>significantly reduced<div style="display:inline-block;width:6.17px">&#160;</div>cost of funds,<div style="display:inline-block;width:7.58px">&#160;</div>a more<div style="display:inline-block;width:6.48px">&#160;</div>efficient </div><div id="a23" style="position:absolute;font-size:14.72px;left:19.2px;top:395.7px;">operating structure, and the release of some COVID-related loan reserves. </div><div id="a28" style="position:absolute;font-size:14.72px;left:19.2px;top:429.3px;">&#8220;We followed<div style="display:inline-block;width:8.62px">&#160;</div>up last<div style="display:inline-block;width:7.29px">&#160;</div>year&#8217;s efforts<div style="display:inline-block;width:8.27px">&#160;</div>to help<div style="display:inline-block;width:7.55px">&#160;</div>small businesses<div style="display:inline-block;width:7.65px">&#160;</div>and their<div style="display:inline-block;width:7.42px">&#160;</div>employees with<div style="display:inline-block;width:7.42px">&#160;</div>another $126<div style="display:inline-block;width:6.84px">&#160;</div>million in<div style="display:inline-block;width:7.83px">&#160;</div>Paycheck </div><div id="a29" style="position:absolute;font-size:14.72px;left:19.2px;top:447.2px;">Protection Program<div style="display:inline-block;width:6.98px">&#160;</div>loans. Our<div style="display:inline-block;width:6.18px">&#160;</div>proprietary PPP<div style="display:inline-block;width:6.79px">&#160;</div>portal enables<div style="display:inline-block;width:6.4px">&#160;</div>clients to<div style="display:inline-block;width:6.33px">&#160;</div>apply for<div style="display:inline-block;width:6.56px">&#160;</div>funds, receive<div style="display:inline-block;width:6.77px">&#160;</div>them, and<div style="display:inline-block;width:6.51px">&#160;</div>then apply<div style="display:inline-block;width:6.15px">&#160;</div>for </div><div id="a31" style="position:absolute;font-size:14.72px;left:19.2px;top:465.2px;">forgiveness, quickly and easily, and all online. </div><div id="a33" style="position:absolute;font-size:14.72px;left:19.2px;top:499.1px;">&#8220;Performance metrics<div style="display:inline-block;width:6.11px">&#160;</div>improved with<div style="display:inline-block;width:6.2px">&#160;</div>a loan<div style="display:inline-block;width:5.94px">&#160;</div>yield of<div style="display:inline-block;width:6.5px">&#160;</div>6.61%, return on<div style="display:inline-block;width:7.04px">&#160;</div>average assets<div style="display:inline-block;width:6.97px">&#160;</div>of 1.21%,<div style="display:inline-block;width:5.88px">&#160;</div>return on<div style="display:inline-block;width:6.5px">&#160;</div>average tangible </div><div id="a34" style="position:absolute;font-size:14.72px;left:19.2px;top:517px;">common stockholders&#8217; equity<div style="display:inline-block;width:6.12px">&#160;</div>of 13.11%, and<div style="display:inline-block;width:5.54px">&#160;</div>an efficiency ratio<div style="display:inline-block;width:6.1px">&#160;</div>of 60.84%. Credit<div style="display:inline-block;width:6.1px">&#160;</div>metrics also improved<div style="display:inline-block;width:6.18px">&#160;</div>as net charge<div style="display:inline-block;width:1.65px">&#160;</div>-offs, </div><div id="a38" style="position:absolute;font-size:14.72px;left:19.2px;top:534.9px;">delinquency rates, and loan deferrals all fell. </div><div id="a40" style="position:absolute;font-size:14.72px;left:19.2px;top:568.9px;">&#8220;Our capital<div style="display:inline-block;width:7.01px">&#160;</div>strategies are<div style="display:inline-block;width:8.25px">&#160;</div>working well.<div style="display:inline-block;width:7.19px">&#160;</div>In January,<div style="display:inline-block;width:7.84px">&#160;</div>we increased<div style="display:inline-block;width:7.25px">&#160;</div>the regular<div style="display:inline-block;width:7.16px">&#160;</div>quarterly cash<div style="display:inline-block;width:6.95px">&#160;</div>dividend 14%.<div style="display:inline-block;width:7.05px">&#160;</div>In March,<div style="display:inline-block;width:7.05px">&#160;</div>we </div><div id="a41" style="position:absolute;font-size:14.72px;left:19.2px;top:586.8px;">announced the redemption of all three outstanding series of preferred stock,<div style="display:inline-block;width:4.86px">&#160;</div>which will improve our capital structure, enable </div><div id="a43" style="position:absolute;font-size:14.72px;left:19.2px;top:604.7px;">us to effectively deploy excess liquidity,<div style="display:inline-block;width:5.95px">&#160;</div>and increase net income available to shareholders. As of 1Q21, we more<div style="display:inline-block;width:4.86px">&#160;</div>than earned </div><div id="a45" style="position:absolute;font-size:14.72px;left:19.2px;top:622.7px;">back all<div style="display:inline-block;width:7.64px">&#160;</div>the tangible<div style="display:inline-block;width:7.77px">&#160;</div>book value<div style="display:inline-block;width:7.76px">&#160;</div>per common<div style="display:inline-block;width:7.54px">&#160;</div>share dilution<div style="display:inline-block;width:8.08px">&#160;</div>involved in<div style="display:inline-block;width:8.12px">&#160;</div>the Scotiabank<div style="display:inline-block;width:7.17px">&#160;</div>acquisition significantly<div style="display:inline-block;width:7.72px">&#160;</div>ahead of </div><div id="a48" style="position:absolute;font-size:14.72px;left:19.2px;top:640.6px;">schedule. </div><div id="a50" style="position:absolute;font-size:14.72px;left:19.2px;top:674.5px;">&#8220;As  Puerto  Rico<div style="display:inline-block;width:8.15px">&#160;</div>and  USVI  continue  experiencing  stronger  signs  of  economic  revival,  at  OFG  we  are<div style="display:inline-block;width:8.23px">&#160;</div>strategically well-</div><div id="a52" style="position:absolute;font-size:14.72px;left:19.2px;top:692.4px;">positioned to benefit from and play<div style="display:inline-block;width:4.87px">&#160;</div>a major part in this long-awaited<div style="display:inline-block;width:4.94px">&#160;</div>development. 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</div><div id="a61" style="position:absolute;font-size:18.56px;color:#4D4D4D;left:19.2px;top:762.4px;">1Q21 Highlights </div><div id="a63" style="position:absolute;font-size:14.72px;font-weight:bold;left:19.2px;top:800.9px;">Earnings: </div><div id="a64" style="position:absolute;font-size:14.72px;left:78.432px;top:800.9px;">EPS diluted was $0.56 compared to $0.42 in 4Q20 and $0.00 in 1Q20, which was the first quarter to be impacted by </div><div id="a66" style="position:absolute;font-size:14.72px;left:19.2px;top:818.9px;">the pandemic.<div style="display:inline-block;width:3.02px">&#160;</div></div><div id="a68" style="position:absolute;font-size:14.72px;font-weight:bold;left:19.2px;top:852.8px;">Revenues: </div><div id="a69" style="position:absolute;font-size:14.72px;left:86.112px;top:852.8px;">Total core<div style="display:inline-block;width:5.1px">&#160;</div>revenues were $127.7 million compared<div style="display:inline-block;width:5.07px">&#160;</div>to $132.8 million in 4Q20. 4Q20 benefited from<div style="display:inline-block;width:5.01px">&#160;</div>$3.9 million in </div><div id="a70" style="position:absolute;font-size:14.72px;left:19.2px;top:870.7px;">seasonal annual<div style="display:inline-block;width:8.82px">&#160;</div>insurance commissions,<div style="display:inline-block;width:9.46px">&#160;</div>$2.0 million<div style="display:inline-block;width:8.53px">&#160;</div>in mortgage<div style="display:inline-block;width:9.42px">&#160;</div>sales held<div style="display:inline-block;width:9.07px">&#160;</div>back from<div style="display:inline-block;width:8.86px">&#160;</div>3Q20, and<div style="display:inline-block;width:8.91px">&#160;</div>$3.1 million<div style="display:inline-block;width:9.17px">&#160;</div>interest </div><div id="a72" style="position:absolute;font-size:14.72px;left:19.2px;top:888.6px;">income from<div style="display:inline-block;width:9.78px">&#160;</div>acquired loan<div style="display:inline-block;width:9.51px">&#160;</div>pre-payments. 1Q21<div style="display:inline-block;width:9.88px">&#160;</div>included $1.6<div style="display:inline-block;width:8.93px">&#160;</div>million in<div style="display:inline-block;width:9.75px">&#160;</div>interest income<div style="display:inline-block;width:10.12px">&#160;</div>from unamortized<div style="display:inline-block;width:9.5px">&#160;</div>yield from </div><div id="a75" style="position:absolute;font-size:14.72px;left:19.2px;top:906.6px;">approximately $92 million of forgiven PPP loans and benefitted from $1.4 million lower cost of deposits. </div><div id="a78" style="position:absolute;font-size:14.72px;font-weight:bold;left:19.2px;top:940.5px;">Expenses:</div><div id="a79" style="position:absolute;font-size:14.72px;left:79.392px;top:940.5px;"><div style="display:inline-block;width:5.12px">&#160;</div>Non-interest expenses<div style="display:inline-block;width:7.64px">&#160;</div>were $77.7<div style="display:inline-block;width:6.73px">&#160;</div>million compared<div style="display:inline-block;width:6.86px">&#160;</div>to $89.0<div style="display:inline-block;width:6.56px">&#160;</div>million in<div style="display:inline-block;width:7.51px">&#160;</div>4Q20 and<div style="display:inline-block;width:6.51px">&#160;</div>$87.3 million<div style="display:inline-block;width:6.51px">&#160;</div>in 1Q20.<div style="display:inline-block;width:6.84px">&#160;</div>4Q20 </div><div id="a83" style="position:absolute;font-size:14.72px;left:19.2px;top:958.1px;">included $10.1 million<div style="display:inline-block;width:7.62px">&#160;</div>in merger<div style="display:inline-block;width:6.92px">&#160;</div>and restructuring<div style="display:inline-block;width:6.2px">&#160;</div>expenses. 1Q21<div style="display:inline-block;width:6.36px">&#160;</div>reflected previously<div style="display:inline-block;width:2.55px">&#160;</div>-announced cost savings<div style="display:inline-block;width:8.05px">&#160;</div>as well<div style="display:inline-block;width:6.43px">&#160;</div>as </div></div>
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<div id="a87" style="position:absolute;font-size:14.72px;left:19.2px;top:19.3px;">$1.8 million primarily in gains<div style="display:inline-block;width:5.65px">&#160;</div>on sales as well<div style="display:inline-block;width:5.25px">&#160;</div>as improved valuations of<div style="display:inline-block;width:5.58px">&#160;</div>foreclosed properties. 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The<div style="display:inline-block;width:7.78px">&#160;</div>call can<div style="display:inline-block;width:7.72px">&#160;</div>also be<div style="display:inline-block;width:7.91px">&#160;</div>accessed live<div style="display:inline-block;width:7.81px">&#160;</div>on </div><div id="a152" style="position:absolute;font-size:14.72px;color:#0000FF;left:573.667px;top:510.3px;">www.ofgbancorp.com.</div><div id="a155" style="position:absolute;font-size:14.72px;left:710.653px;top:510.3px;"><div style="display:inline-block;width:5.44px">&#160;</div>Webcast </div><div id="a157" style="position:absolute;font-size:14.72px;left:19.2px;top:528.2px;">replay will be available shortly thereafter. </div><div id="a159" style="position:absolute;font-size:14.72px;left:19.2px;top:562.1px;">OFG&#8217;s Financial<div style="display:inline-block;width:6.1px">&#160;</div>Supplement, with full<div style="display:inline-block;width:6.25px">&#160;</div>financial tables for<div style="display:inline-block;width:6.33px">&#160;</div>the quarter ended<div style="display:inline-block;width:6.15px">&#160;</div>March 31, 2021,<div style="display:inline-block;width:6.4px">&#160;</div>and the 1Q21<div style="display:inline-block;width:6.23px">&#160;</div>Conference Call </div><div id="a160" style="position:absolute;font-size:14.72px;left:19.2px;top:580.1px;">Presentation, can be found on the Quarterly Results page on OFG&#8217;s Investor<div style="display:inline-block;width:5.08px">&#160;</div>Relations website at </div><div id="a162" style="position:absolute;font-size:14.72px;color:#0000FF;left:597.667px;top:580.1px;">www.ofgbancorp.com.</div><div id="a164" style="position:absolute;font-size:14.72px;font-weight:bold;color:#4D4D4D;left:734.373px;top:580.1px;">&#160;</div><div id="a165" style="position:absolute;font-size:18.56px;color:#4D4D4D;left:19.2px;top:614.2px;">Non-GAAP Financial Measures</div><div id="a168" style="position:absolute;font-size:18.56px;font-weight:bold;color:#4D4D4D;left:249.373px;top:614.2px;">&#160;</div><div id="a169" style="position:absolute;font-size:14.72px;left:19.2px;top:652.7px;">In addition to<div style="display:inline-block;width:5.73px">&#160;</div>our financial information<div style="display:inline-block;width:6.59px">&#160;</div>presented in accordance<div style="display:inline-block;width:6.23px">&#160;</div>with GAAP,<div style="display:inline-block;width:7.3px">&#160;</div>management uses certain<div style="display:inline-block;width:5.52px">&#160;</div>&#8220;non-GAAP financial </div><div id="a172" style="position:absolute;font-size:14.72px;left:19.2px;top:670.7px;">measures&#8221; within the meaning of SEC Regulation<div style="display:inline-block;width:4.99px">&#160;</div>G, to clarify and enhance understanding of past performance<div style="display:inline-block;width:4.93px">&#160;</div>and prospects </div><div id="a175" style="position:absolute;font-size:14.72px;left:19.2px;top:688.6px;">for the<div style="display:inline-block;width:7.29px">&#160;</div>future. 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and<div style="display:inline-block;width:8.62px">&#160;</div>(ix) the<div style="display:inline-block;width:8.88px">&#160;</div>severity, magnitude<div style="display:inline-block;width:9.57px">&#160;</div>and </div></div>
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<div id="a210" style="position:absolute;font-size:14.72px;left:19.2px;top:19.3px;">duration  of  the  COVID<div style="display:inline-block;width:1.48px">&#160;</div>-19  pandemic,  including  impacts  of  the<div style="display:inline-block;width:8.66px">&#160;</div>pandemic  and  of  responses  of  federal,<div style="display:inline-block;width:9.63px">&#160;</div>state  and  local </div><div id="a214" style="position:absolute;font-size:14.72px;left:19.2px;top:37.2px;">governments on our branches, operations and personnel, and on our customers and their businesses. </div><div id="a216" style="position:absolute;font-size:14.72px;left:19.2px;top:71.1px;">For a<div style="display:inline-block;width:6.96px">&#160;</div>discussion of<div style="display:inline-block;width:6.72px">&#160;</div>such factors<div style="display:inline-block;width:7.28px">&#160;</div>and certain<div style="display:inline-block;width:7.12px">&#160;</div>risks and<div style="display:inline-block;width:7.09px">&#160;</div>uncertainties to<div style="display:inline-block;width:6.93px">&#160;</div>which OFG<div style="display:inline-block;width:6.77px">&#160;</div>is subject,<div style="display:inline-block;width:6.88px">&#160;</div>please refer<div style="display:inline-block;width:7.79px">&#160;</div>to OFG&#8217;s<div style="display:inline-block;width:7.84px">&#160;</div>annual </div><div id="a217" style="position:absolute;font-size:14.72px;left:19.2px;top:89.1px;">report on Form 10<div style="display:inline-block;width:1.35px">&#160;</div>-K for the year<div style="display:inline-block;width:5.69px">&#160;</div>ended December 31, 2020, as<div style="display:inline-block;width:5.4px">&#160;</div>well as its other<div style="display:inline-block;width:5.31px">&#160;</div>filings with the U.S.<div style="display:inline-block;width:5.36px">&#160;</div>Securities and Exchange </div><div id="a221" style="position:absolute;font-size:14.72px;left:19.2px;top:107px;">Commission. 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Visit us at </div><div id="a242" style="position:absolute;font-size:14.72px;color:#0000FF;left:515.387px;top:264.1px;">www.ofgbancorp.com.</div><div id="a244" style="position:absolute;font-size:14.72px;left:652.413px;top:264.1px;"><div style="display:inline-block;width:3.2px">&#160;</div></div><div id="a246" style="position:absolute;font-size:13.44px;color:#F5821F;left:380.613px;top:298px;"># # # </div><div id="a248" style="position:absolute;font-size:18.56px;color:#4D4D4D;left:19.2px;top:330.6px;">Contacts </div><div id="a250" style="position:absolute;font-size:14.72px;font-weight:bold;color:#F5821F;left:19.2px;top:369.1px;">Puerto Rico &amp; USVI:</div><div id="a251" style="position:absolute;font-size:14.72px;left:139.907px;top:369.1px;"><div style="display:inline-block;width:3.2px">&#160;</div>Idalis Montalvo (</div><div id="a253" style="position:absolute;font-size:14.72px;color:#0000FF;left:242.973px;top:369.1px;">idalis.montalvo@orientalbank.com</div><div id="a254" style="position:absolute;font-size:14.72px;left:452.32px;top:369.1px;">) at (787) 777-2847 </div><div id="a258" style="position:absolute;font-size:14.72px;font-weight:bold;color:#F5821F;left:19.2px;top:403.1px;">US:</div><div id="a259" style="position:absolute;font-size:14.72px;left:40px;top:403.1px;"><div style="display:inline-block;width:3.23px">&#160;</div>Gary Fishman (</div><div id="a261" style="position:absolute;font-size:14.72px;color:#0000FF;left:132.544px;top:403.1px;">gfishman@ofgbancorp.com</div><div id="a262" style="position:absolute;font-size:14.72px;left:297.693px;top:403.1px;">) and Steven Anreder (</div><div id="a263" style="position:absolute;font-size:14.72px;color:#0000FF;left:431.84px;top:403.1px;">sanreder@ofgbancorp.com</div><div id="a264" style="position:absolute;font-size:14.72px;left:595.427px;top:403.1px;">) at (212) 532-3232</div></div>
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<div id="a267" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a269" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a277" style="position:absolute;font-size:18.56px;font-weight:bold;left:353.413px;top:82.2px;">OFG Bancorp </div><div id="a279" style="position:absolute;font-size:18.56px;font-weight:bold;left:320.773px;top:105.6px;">Financial Supplement </div><div id="a293" style="position:absolute;font-size:13.44px;left:19.2px;top:163.6px;">The information contained in this Financial Supplement is<div style="display:inline-block;width:1.79px">&#160;</div>preliminary and based on data available<div style="display:inline-block;width:1.78px">&#160;</div>at the time of the earnings presentation, </div><div id="a296" style="position:absolute;font-size:13.44px;left:19.2px;top:179.9px;">and investors should refer to our March 31, 2021 Quarterly Report on Form 10-Q once it is filed<div style="display:inline-block;width:1.83px">&#160;</div>with the Securities and Exchange </div><div id="a300" style="position:absolute;font-size:13.44px;left:19.2px;top:195.9px;">Commission. </div><div id="a308" style="position:absolute;font-size:18.56px;font-weight:bold;left:335.813px;top:230.4px;">Table<div style="display:inline-block;width:5.59px">&#160;</div>of Contents </div><div id="a314" style="position:absolute;font-size:14.72px;font-weight:bold;left:754.213px;top:253.6px;">Pages </div><div id="a323" style="position:absolute;font-size:14.72px;font-weight:bold;left:24.32px;top:289.8px;">OFG Bancorp (Consolidated Financial Information) </div><div id="a328" style="position:absolute;font-size:13.44px;left:24.32px;top:308.9px;">Table<div style="display:inline-block;width:7.07px">&#160;</div>1: </div><div id="a331" style="position:absolute;font-size:13.44px;left:119.072px;top:308.9px;">Financial and Statistical Summary - 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</div><div id="a479" style="position:absolute;font-weight:bold;left:19.2px;top:115.4px;">(Dollars in thousands, except<div style="display:inline-block;width:3.81px">&#160;</div>per share data) (unaudited) </div><div id="a483" style="position:absolute;font-weight:bold;left:425.44px;top:116.1px;">Q1 </div><div id="a486" style="position:absolute;left:500.987px;top:116.1px;">Q4 </div><div id="a489" style="position:absolute;left:590.947px;top:116.1px;">Q3 </div><div id="a492" style="position:absolute;left:666.813px;top:116.1px;">Q2 </div><div id="a495" style="position:absolute;left:741.733px;top:116.1px;">Q1 </div><div id="a498" style="position:absolute;font-weight:bold;left:19.2px;top:132.1px;">Statement of Operations </div><div id="a517" style="position:absolute;left:19.2px;top:159.3px;">Net interest income </div><div id="a521" style="position:absolute;font-weight:bold;left:400.48px;top:159.3px;">$ </div><div id="a523" 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style="position:absolute;left:493.307px;top:438.1px;">9,270,739 </div><div id="a1046" style="position:absolute;left:583.267px;top:438.1px;">9,218,717 </div><div id="a1050" style="position:absolute;left:658.493px;top:438.1px;">8,845,744 </div><div id="a1054" style="position:absolute;left:733.373px;top:438.1px;">8,556,421 </div><div id="a1057" style="position:absolute;left:19.2px;top:451.8px;">Total assets </div><div id="a1062" style="position:absolute;font-weight:bold;left:411.68px;top:451.8px;">10,004,323 </div><div id="a1066" style="position:absolute;left:493.307px;top:451.8px;">9,921,254 </div><div id="a1070" style="position:absolute;left:583.267px;top:451.8px;">9,918,381 </div><div id="a1074" style="position:absolute;left:658.493px;top:451.8px;">9,512,129 </div><div id="a1078" style="position:absolute;left:733.373px;top:451.8px;">9,326,627 </div><div id="a1081" style="position:absolute;left:19.2px;top:465.3px;">Core deposits </div><div id="a1086" 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<div style="position:absolute; width:69.8px; height:1.3px; left:455.5px; top:145px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:369.4px; top:145px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:344.1px; height:1.3px; left:19.2px; top:145px; background-color:#000000;">&#160;</div>
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id="a2126" style="position:absolute;left:506.107px;top:284.8px;">288 </div><div id="a2130" style="position:absolute;left:591.907px;top:284.8px;">812 </div><div id="a2134" style="position:absolute;left:670.013px;top:284.8px;">1,446 </div><div id="a2138" style="position:absolute;left:756.133px;top:284.8px;">1,586 </div><div id="a2141" style="position:absolute;left:19.2px;top:299.2px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total deposits </div><div id="a2147" style="position:absolute;font-weight:bold;left:406.56px;top:299.2px;">12,024 </div><div id="a2151" style="position:absolute;left:492.667px;top:299.2px;">13,513 </div><div id="a2155" style="position:absolute;left:578.467px;top:299.2px;">14,620 </div><div id="a2159" style="position:absolute;left:664.573px;top:299.2px;">15,445 </div><div id="a2163" style="position:absolute;left:750.693px;top:299.2px;">16,620 </div><div id="a2166" style="position:absolute;left:19.2px;top:312.9px;">Borrowings </div><div id="a2171" style="position:absolute;font-weight:bold;left:420px;top:312.9px;">754 </div><div id="a2175" style="position:absolute;left:506.107px;top:312.9px;">770 </div><div id="a2179" style="position:absolute;left:591.907px;top:312.9px;">784 </div><div id="a2183" style="position:absolute;left:670.013px;top:312.9px;">1,187 </div><div id="a2187" style="position:absolute;left:756.133px;top:312.9px;">1,976 </div><div id="a2190" style="position:absolute;left:19.2px;top:327px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total interest<div style="display:inline-block;width:4.53px">&#160;</div>expense </div><div id="a2196" style="position:absolute;font-weight:bold;left:406.56px;top:327px;">12,778 </div><div id="a2200" style="position:absolute;left:492.667px;top:327px;">14,283 </div><div id="a2204" style="position:absolute;left:578.467px;top:327px;">15,404 </div><div id="a2208" style="position:absolute;left:664.573px;top:327px;">16,632 </div><div id="a2212" style="position:absolute;left:750.693px;top:327px;">18,596 </div><div id="a2215" style="position:absolute;left:19.2px;top:341.4px;">Net interest income </div><div id="a2220" style="position:absolute;font-weight:bold;left:406.56px;top:341.4px;">98,204 </div><div id="a2224" style="position:absolute;left:492.667px;top:341.4px;">98,738 </div><div id="a2228" style="position:absolute;left:578.467px;top:341.4px;">99,533 </div><div id="a2232" style="position:absolute;left:659.133px;top:341.4px;">105,060 </div><div id="a2236" style="position:absolute;left:745.253px;top:341.4px;">105,101 </div><div id="a2239" style="position:absolute;left:19.2px;top:354.8px;">Provision for credit losses,<div style="display:inline-block;width:4.03px">&#160;</div>excluding PCD loans </div><div id="a2241" style="position:absolute;font-size:8px;left:352.773px;top:357.9px;">(1) </div><div id="a2245" style="position:absolute;font-weight:bold;left:412px;top:354.8px;">2,998 </div><div id="a2249" style="position:absolute;left:492.667px;top:354.8px;">15,464 </div><div id="a2253" style="position:absolute;left:578.467px;top:354.8px;">13,845 </div><div id="a2257" style="position:absolute;left:664.573px;top:354.8px;">15,227 </div><div id="a2261" style="position:absolute;left:750.693px;top:354.8px;">40,951 </div><div id="a2264" style="position:absolute;left:19.2px;top:368.6px;">Provision (recapture)<div style="display:inline-block;width:3.68px">&#160;</div>for credit losses on PCD<div style="display:inline-block;width:3.73px">&#160;</div>loans </div><div id="a2266" style="position:absolute;font-size:8px;left:351.813px;top:371.7px;"><div style="display:inline-block;width:1.92px">&#160;</div>(1)<div style="display:inline-block;width:1.65px">&#160;</div></div><div id="a2271" style="position:absolute;font-weight:bold;left:412px;top:368.6px;">3,326 </div><div id="a2275" style="position:absolute;left:494.907px;top:368.6px;">(1,288) </div><div id="a2279" style="position:absolute;left:588.707px;top:368.6px;">(176) </div><div id="a2283" style="position:absolute;left:670.013px;top:368.6px;">2,469 </div><div id="a2287" style="position:absolute;left:756.133px;top:368.6px;">6,180 </div><div id="a2290" style="position:absolute;left:19.2px;top:382.7px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total provision<div style="display:inline-block;width:4.06px">&#160;</div>for credit losses </div><div id="a2296" style="position:absolute;font-weight:bold;left:412px;top:382.7px;">6,324 </div><div id="a2300" style="position:absolute;left:492.667px;top:382.7px;">14,176 </div><div id="a2304" style="position:absolute;left:578.467px;top:382.7px;">13,669 </div><div id="a2308" style="position:absolute;left:664.573px;top:382.7px;">17,696 </div><div id="a2310" style="position:absolute;font-size:8px;left:701.053px;top:385.8px;">(d) </div><div id="a2313" style="position:absolute;left:750.693px;top:382.7px;">47,131 </div><div id="a2315" style="position:absolute;font-size:8px;left:791.653px;top:385.8px;">(d) </div><div id="a2317" style="position:absolute;left:19.2px;top:399.4px;"><div style="display:inline-block;width:26.27px">&#160;</div>Net interest income<div style="display:inline-block;width:3.81px">&#160;</div>after provision for<div style="display:inline-block;width:3.91px">&#160;</div>loan and lease losses<div style="display:inline-block;width:3.55px">&#160;</div></div><div id="a2323" style="position:absolute;font-weight:bold;left:406.56px;top:399.4px;">91,880 </div><div id="a2327" style="position:absolute;left:492.667px;top:399.4px;">84,562 </div><div id="a2331" style="position:absolute;left:578.467px;top:399.4px;">85,864 </div><div id="a2335" style="position:absolute;left:664.573px;top:399.4px;">87,364 </div><div id="a2339" style="position:absolute;left:750.693px;top:399.4px;">57,970 </div><div id="a2342" style="position:absolute;font-weight:bold;left:19.2px;top:413.8px;">Non-interest income: </div><div 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style="position:absolute;left:583.907px;top:441px;">7,272 </div><div id="a2405" style="position:absolute;left:670.013px;top:441px;">6,366 </div><div id="a2409" style="position:absolute;left:756.133px;top:441px;">7,286 </div><div id="a2412" style="position:absolute;left:19.2px;top:454.4px;">Mortgage banking activities </div><div id="a2417" style="position:absolute;font-weight:bold;left:412px;top:454.4px;">5,571 </div><div id="a2421" style="position:absolute;left:498.107px;top:454.4px;">6,281 </div><div id="a2425" style="position:absolute;left:583.907px;top:454.4px;">3,917 </div><div id="a2429" style="position:absolute;left:670.013px;top:454.4px;">3,072 </div><div id="a2433" style="position:absolute;left:756.133px;top:454.4px;">3,234 </div><div id="a2436" style="position:absolute;left:19.2px;top:468.8px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total banking<div style="display:inline-block;width:3.85px">&#160;</div>and financial service revenues </div><div id="a2442" style="position:absolute;font-weight:bold;left:406.56px;top:468.8px;">29,452 </div><div id="a2446" style="position:absolute;left:492.667px;top:468.8px;">34,047 </div><div id="a2450" style="position:absolute;left:578.467px;top:468.8px;">27,486 </div><div id="a2454" style="position:absolute;left:664.573px;top:468.8px;">23,106 </div><div id="a2458" style="position:absolute;left:750.693px;top:468.8px;">26,233 </div><div id="a2461" style="position:absolute;left:19.2px;top:482.6px;">Bargain purchase from<div style="display:inline-block;width:3.74px">&#160;</div>Scotiabank PR &amp; USVI acquisition </div><div id="a2466" style="position:absolute;font-weight:bold;left:433.12px;top:482.6px;">- </div><div id="a2470" style="position:absolute;left:519.227px;top:482.6px;">- </div><div id="a2474" style="position:absolute;left:583.907px;top:482.6px;">3,465 </div><div id="a2476" style="position:absolute;font-size:8px;left:613.347px;top:485.6px;"><div style="display:inline-block;width:3.84px">&#160;</div>(c)<div style="display:inline-block;width:3.29px">&#160;</div></div><div id="a2480" style="position:absolute;left:670.013px;top:482.6px;">3,462 </div><div id="a2482" style="position:absolute;font-size:8px;left:699.453px;top:485.6px;"><div style="display:inline-block;width:3.84px">&#160;</div>(c)<div style="display:inline-block;width:3.29px">&#160;</div></div><div id="a2486" style="position:absolute;left:764.133px;top:482.6px;">409 </div><div id="a2488" style="position:absolute;font-size:8px;left:790.053px;top:485.6px;"><div style="display:inline-block;width:3.84px">&#160;</div>(c)<div style="display:inline-block;width:3.29px">&#160;</div></div><div id="a2491" style="position:absolute;left:19.2px;top:496px;">Other income, net </div><div id="a2496" style="position:absolute;font-weight:bold;left:420px;top:496px;">955 </div><div id="a2500" style="position:absolute;left:506.107px;top:496px;">377 </div><div id="a2504" style="position:absolute;left:591.907px;top:496px;">375 </div><div id="a2508" style="position:absolute;left:678.013px;top:496px;">584 </div><div id="a2512" style="position:absolute;left:756.133px;top:496px;">4,808 </div><div id="a2514" style="position:absolute;font-size:8px;left:790.693px;top:499.1px;"><div style="display:inline-block;width:3.84px">&#160;</div>(f)<div style="display:inline-block;width:3.15px">&#160;</div></div><div id="a2517" style="position:absolute;left:19.2px;top:510.4px;"><div style="display:inline-block;width:26.27px">&#160;</div>Total<div style="display:inline-block;width:3.97px">&#160;</div>non-interest income,<div style="display:inline-block;width:3.7px">&#160;</div>net<div style="display:inline-block;width:2.71px">&#160;</div></div><div id="a2525" style="position:absolute;font-weight:bold;left:406.56px;top:510.4px;">30,407 </div><div id="a2529" style="position:absolute;left:492.667px;top:510.4px;">34,424 </div><div id="a2533" style="position:absolute;left:578.467px;top:510.4px;">31,326 </div><div id="a2537" style="position:absolute;left:664.573px;top:510.4px;">27,152 </div><div id="a2541" style="position:absolute;left:750.693px;top:510.4px;">31,450 </div><div id="a2544" style="position:absolute;font-weight:bold;left:19.2px;top:524.5px;">Non-interest expense: </div><div id="a2565" style="position:absolute;left:19.2px;top:538.3px;">Compensation and employee benefits </div><div id="a2570" style="position:absolute;font-weight:bold;left:406.56px;top:538.3px;">32,618 </div><div id="a2574" style="position:absolute;left:492.667px;top:538.3px;">30,921 </div><div id="a2578" style="position:absolute;left:578.467px;top:538.3px;">31,955 </div><div id="a2582" style="position:absolute;left:664.573px;top:538.3px;">34,506 </div><div id="a2586" style="position:absolute;left:750.693px;top:538.3px;">35,544 </div><div id="a2589" style="position:absolute;left:19.2px;top:551.7px;">Occupancy, equipment<div 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style="position:absolute;font-weight:bold;left:412px;top:606.1px;">1,720 </div><div id="a2670" style="position:absolute;left:498.107px;top:606.1px;">1,304 </div><div id="a2674" style="position:absolute;left:583.907px;top:606.1px;">2,189 </div><div id="a2678" style="position:absolute;left:670.013px;top:606.1px;">2,602 </div><div id="a2682" style="position:absolute;left:756.133px;top:606.1px;">2,715 </div><div id="a2685" style="position:absolute;left:19.2px;top:619.9px;">Merger and restructuring<div style="display:inline-block;width:3.68px">&#160;</div>charges </div><div id="a2690" style="position:absolute;font-weight:bold;left:433.12px;top:619.9px;">- </div><div id="a2694" style="position:absolute;left:492.667px;top:619.9px;">10,092 </div><div id="a2696" style="position:absolute;font-size:8px;left:526.907px;top:623px;"><div style="display:inline-block;width:3.84px">&#160;</div>(e)<div style="display:inline-block;width:3.33px">&#160;</div></div><div id="a2700" style="position:absolute;left:583.907px;top:619.9px;">2,681 </div><div id="a2702" style="position:absolute;font-size:8px;left:613.027px;top:623px;"><div style="display:inline-block;width:3.84px">&#160;</div>(e)<div style="display:inline-block;width:3.33px">&#160;</div></div><div id="a2706" style="position:absolute;left:670.013px;top:619.9px;">3,006 </div><div id="a2708" style="position:absolute;font-size:8px;left:699.133px;top:623px;"><div style="display:inline-block;width:3.84px">&#160;</div>(e)<div style="display:inline-block;width:3.33px">&#160;</div></div><div id="a2712" style="position:absolute;left:764.133px;top:619.9px;">304 </div><div id="a2715" style="position:absolute;left:19.2px;top:633.3px;">COVID 19 expenses </div><div id="a2720" style="position:absolute;font-weight:bold;left:412px;top:633.3px;">1,769 </div><div id="a2724" style="position:absolute;left:498.107px;top:633.3px;">1,504 </div><div id="a2728" style="position:absolute;left:583.907px;top:633.3px;">2,090 </div><div 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<div style="position:absolute; width:71.1px; height:1.3px; left:544.5px; top:129px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:75.9px; height:1.3px; left:452.6px; top:129px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:74.9px; height:1.3px; left:361.7px; top:129px; background-color:#000000;">&#160;</div>
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style="position:absolute;font-weight:bold;left:404px;top:463px;">86,069 </div><div id="a3592" style="position:absolute;left:495.867px;top:463px;">86,069 </div><div id="a3596" style="position:absolute;left:582.627px;top:463px;">86,069 </div><div id="a3600" style="position:absolute;left:671.933px;top:463px;">86,069 </div><div id="a3604" style="position:absolute;left:760.933px;top:463px;">86,069 </div><div id="a3607" style="position:absolute;left:19.2px;top:476.5px;">Right of use assets </div><div id="a3612" style="position:absolute;font-weight:bold;left:404px;top:476.5px;">32,714 </div><div id="a3616" style="position:absolute;left:495.867px;top:476.5px;">31,383 </div><div id="a3620" style="position:absolute;left:582.627px;top:476.5px;">35,900 </div><div id="a3624" style="position:absolute;left:671.933px;top:476.5px;">34,692 </div><div id="a3628" style="position:absolute;left:760.933px;top:476.5px;">36,844 </div><div id="a3631" style="position:absolute;left:19.2px;top:490.2px;">Core 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id="a3676" style="position:absolute;left:760.933px;top:503.7px;">49,287 </div><div id="a3679" style="position:absolute;left:19.2px;top:521.6px;">Accounts receivable and other<div style="display:inline-block;width:3.83px">&#160;</div>assets </div><div id="a3684" style="position:absolute;font-weight:bold;left:398.56px;top:521.6px;">175,109 </div><div id="a3688" style="position:absolute;left:490.427px;top:521.6px;">178,740 </div><div id="a3692" style="position:absolute;left:577.187px;top:521.6px;">166,392 </div><div id="a3696" style="position:absolute;left:666.493px;top:521.6px;">188,408 </div><div id="a3698" style="position:absolute;font-size:8px;left:706.173px;top:520.9px;"><div style="display:inline-block;width:3.84px">&#160;</div>(a)<div style="display:inline-block;width:3.48px">&#160;</div></div><div id="a3702" style="position:absolute;left:755.493px;top:521.6px;">123,335 </div><div id="a3705" style="position:absolute;font-weight:bold;left:19.2px;top:536px;">Total assets </div><div id="a3709" style="position:absolute;font-weight:bold;left:361.733px;top:536px;">$ </div><div id="a3711" style="position:absolute;font-weight:bold;left:385.093px;top:536px;">10,153,342 </div><div id="a3714" style="position:absolute;left:452.64px;top:536px;">$ </div><div id="a3716" style="position:absolute;left:482.427px;top:536px;">9,826,011 </div><div id="a3719" style="position:absolute;left:544.507px;top:536px;">$ </div><div id="a3721" style="position:absolute;left:563.747px;top:536px;">10,018,991 </div><div id="a3724" style="position:absolute;left:631.587px;top:536px;">$ </div><div id="a3726" style="position:absolute;left:658.493px;top:536px;">9,932,719 </div><div id="a3729" style="position:absolute;left:720.573px;top:536px;">$ </div><div id="a3731" style="position:absolute;left:747.493px;top:536px;">9,238,571 </div><div id="a3752" style="position:absolute;font-weight:bold;left:19.2px;top:564.2px;">Deposits: </div><div id="a3771" style="position:absolute;left:19.2px;top:583.1px;">Demand deposits </div><div id="a3775" style="position:absolute;font-weight:bold;left:361.733px;top:583.1px;">$ </div><div id="a3777" style="position:absolute;font-weight:bold;left:390.56px;top:583.1px;">4,885,311 </div><div id="a3780" style="position:absolute;left:452.64px;top:583.1px;">$ </div><div id="a3782" style="position:absolute;left:482.427px;top:583.1px;">4,613,309 </div><div id="a3785" style="position:absolute;left:544.507px;top:583.1px;">$ </div><div id="a3787" style="position:absolute;left:569.187px;top:583.1px;">4,682,991 </div><div id="a3790" style="position:absolute;left:631.587px;top:583.1px;">$ </div><div id="a3792" style="position:absolute;left:658.493px;top:583.1px;">4,370,419 </div><div id="a3795" style="position:absolute;left:720.573px;top:583.1px;">$ </div><div id="a3797" style="position:absolute;left:747.493px;top:583.1px;">3,711,492 </div><div id="a3800" style="position:absolute;left:19.2px;top:596.8px;">Savings accounts </div><div id="a3805" style="position:absolute;font-weight:bold;left:390.56px;top:596.8px;">2,142,573 </div><div id="a3809" style="position:absolute;left:482.427px;top:596.8px;">1,920,325 </div><div id="a3813" style="position:absolute;left:569.187px;top:596.8px;">1,919,859 </div><div id="a3817" style="position:absolute;left:658.493px;top:596.8px;">1,978,118 </div><div id="a3821" style="position:absolute;left:747.493px;top:596.8px;">1,829,054 </div><div id="a3824" style="position:absolute;left:19.2px;top:610.3px;">Time deposits </div><div id="a3829" style="position:absolute;font-weight:bold;left:390.56px;top:610.3px;">1,693,924 </div><div id="a3833" style="position:absolute;left:482.427px;top:610.3px;">1,832,891 </div><div id="a3837" style="position:absolute;left:569.187px;top:610.3px;">1,933,517 </div><div id="a3841" style="position:absolute;left:658.493px;top:610.3px;">1,975,223 </div><div id="a3845" style="position:absolute;left:747.493px;top:610.3px;">2,023,211 </div><div id="a3848" style="position:absolute;left:19.2px;top:624.1px;">Brokered deposits </div><div id="a3853" style="position:absolute;font-weight:bold;left:404px;top:624.1px;">34,954 </div><div id="a3857" style="position:absolute;left:495.867px;top:624.1px;">49,115 </div><div id="a3861" style="position:absolute;left:582.627px;top:624.1px;">96,090 </div><div id="a3865" style="position:absolute;left:666.493px;top:624.1px;">218,166 </div><div id="a3869" style="position:absolute;left:755.493px;top:624.1px;">255,514 </div><div id="a3872" style="position:absolute;left:19.2px;top:644.9px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total deposits </div><div id="a3878" style="position:absolute;font-weight:bold;left:390.56px;top:644.9px;">8,756,762 </div><div id="a3882" style="position:absolute;left:482.427px;top:644.9px;">8,415,640 </div><div id="a3886" style="position:absolute;left:569.187px;top:644.9px;">8,632,457 </div><div id="a3890" style="position:absolute;left:658.493px;top:644.9px;">8,541,926 </div><div id="a3894" style="position:absolute;left:747.493px;top:644.9px;">7,819,271 </div><div id="a3897" style="position:absolute;font-weight:bold;left:19.2px;top:658.6px;">Borrowings: </div><div id="a3916" style="position:absolute;left:19.2px;top:672.1px;">Securities sold under agreements<div style="display:inline-block;width:3.69px">&#160;</div>to repurchase </div><div id="a3921" style="position:absolute;font-weight:bold;left:430.56px;top:672.1px;">- </div><div id="a3925" style="position:absolute;left:522.427px;top:672.1px;">- </div><div id="a3929" style="position:absolute;left:609.187px;top:672.1px;">- </div><div id="a3933" style="position:absolute;left:698.493px;top:672.1px;">- </div><div id="a3937" style="position:absolute;left:760.933px;top:672.1px;">50,103 </div><div id="a3940" style="position:absolute;left:19.2px;top:685.8px;">Advances from FHLB and other<div style="display:inline-block;width:3.94px">&#160;</div>borrowings </div><div id="a3945" style="position:absolute;font-weight:bold;left:404px;top:685.8px;">65,013 </div><div id="a3949" style="position:absolute;left:495.867px;top:685.8px;">66,268 </div><div id="a3953" style="position:absolute;left:582.627px;top:685.8px;">66,781 </div><div id="a3957" style="position:absolute;left:671.933px;top:685.8px;">68,340 </div><div id="a3961" style="position:absolute;left:760.933px;top:685.8px;">77,601 </div><div id="a3964" style="position:absolute;left:19.2px;top:699.3px;">Subordinated capital<div style="display:inline-block;width:3.71px">&#160;</div>notes </div><div id="a3969" style="position:absolute;font-weight:bold;left:404px;top:699.3px;">36,083 </div><div id="a3973" style="position:absolute;left:495.867px;top:699.3px;">36,083 </div><div id="a3977" style="position:absolute;left:582.627px;top:699.3px;">36,083 </div><div id="a3981" style="position:absolute;left:671.933px;top:699.3px;">36,083 </div><div id="a3985" style="position:absolute;left:760.933px;top:699.3px;">36,083 </div><div id="a3988" style="position:absolute;left:19.2px;top:713px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total borrowings </div><div id="a3994" style="position:absolute;font-weight:bold;left:398.56px;top:713px;">101,096 </div><div id="a3998" style="position:absolute;left:490.427px;top:713px;">102,351 </div><div id="a4002" style="position:absolute;left:577.187px;top:713px;">102,864 </div><div id="a4006" style="position:absolute;left:666.493px;top:713px;">104,423 </div><div id="a4010" style="position:absolute;left:755.493px;top:713px;">163,787 </div><div id="a4013" style="position:absolute;font-weight:bold;left:19.2px;top:726.8px;">Other liabilities: </div><div id="a4032" style="position:absolute;left:19.2px;top:740.3px;">Derivative liabilities </div><div id="a4037" style="position:absolute;font-weight:bold;left:409.44px;top:740.3px;">1,465 </div><div id="a4041" style="position:absolute;left:501.307px;top:740.3px;">1,712 </div><div id="a4045" style="position:absolute;left:588.067px;top:740.3px;">1,895 </div><div id="a4049" style="position:absolute;left:677.373px;top:740.3px;">2,078 </div><div id="a4053" style="position:absolute;left:766.373px;top:740.3px;">2,059 </div><div id="a4056" style="position:absolute;left:19.2px;top:753.7px;">Acceptances outstanding </div><div id="a4061" style="position:absolute;font-weight:bold;left:404px;top:753.7px;">24,389 </div><div id="a4065" style="position:absolute;left:495.867px;top:753.7px;">33,349 </div><div id="a4069" style="position:absolute;left:582.627px;top:753.7px;">18,291 </div><div id="a4073" style="position:absolute;left:671.933px;top:753.7px;">20,034 </div><div id="a4077" style="position:absolute;left:760.933px;top:753.7px;">11,763 </div><div id="a4080" style="position:absolute;left:19.2px;top:767.5px;">Lease liability </div><div id="a4085" style="position:absolute;font-weight:bold;left:404px;top:767.5px;">34,017 </div><div id="a4089" style="position:absolute;left:495.867px;top:767.5px;">32,566 </div><div id="a4093" style="position:absolute;left:582.627px;top:767.5px;">37,029 </div><div id="a4097" style="position:absolute;left:671.933px;top:767.5px;">35,694 </div><div id="a4101" style="position:absolute;left:760.933px;top:767.5px;">37,702 </div><div id="a4104" style="position:absolute;left:19.2px;top:780.9px;">Accrued expenses and other<div style="display:inline-block;width:3.61px">&#160;</div>liabilities </div><div id="a4109" style="position:absolute;font-weight:bold;left:398.56px;top:780.9px;">127,190 </div><div id="a4113" style="position:absolute;left:490.427px;top:780.9px;">154,418 </div><div id="a4117" style="position:absolute;left:577.187px;top:780.9px;">162,133 </div><div id="a4121" style="position:absolute;left:666.493px;top:780.9px;">187,280 </div><div id="a4125" style="position:absolute;left:755.493px;top:780.9px;">181,395 </div><div id="a4128" style="position:absolute;font-weight:bold;left:19.2px;top:794.7px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total liabilities </div><div id="a4134" style="position:absolute;font-weight:bold;left:390.56px;top:794.7px;">9,044,919 </div><div id="a4138" style="position:absolute;left:482.427px;top:794.7px;">8,740,036 </div><div id="a4142" style="position:absolute;left:569.187px;top:794.7px;">8,954,669 </div><div id="a4146" style="position:absolute;left:658.493px;top:794.7px;">8,891,435 </div><div id="a4150" style="position:absolute;left:747.493px;top:794.7px;">8,215,977 </div><div id="a4153" style="position:absolute;font-weight:bold;left:19.2px;top:808.4px;">Stockholders&apos; equity: </div><div id="a4172" style="position:absolute;left:19.2px;top:821.9px;">Preferred stock </div><div id="a4177" style="position:absolute;font-weight:bold;left:404px;top:821.9px;">92,000 </div><div id="a4181" style="position:absolute;left:495.867px;top:821.9px;">92,000 </div><div id="a4185" style="position:absolute;left:582.627px;top:821.9px;">92,000 </div><div id="a4189" style="position:absolute;left:671.933px;top:821.9px;">92,000 </div><div id="a4193" style="position:absolute;left:760.933px;top:821.9px;">92,000 </div><div id="a4196" style="position:absolute;left:19.2px;top:835.3px;">Common stock </div><div id="a4201" style="position:absolute;font-weight:bold;left:404px;top:835.3px;">59,885 </div><div id="a4205" style="position:absolute;left:495.867px;top:835.3px;">59,885 </div><div id="a4209" style="position:absolute;left:582.627px;top:835.3px;">59,885 </div><div id="a4213" style="position:absolute;left:671.933px;top:835.3px;">59,885 </div><div id="a4217" style="position:absolute;left:760.933px;top:835.3px;">59,885 </div><div id="a4220" style="position:absolute;left:19.2px;top:849.1px;">Additional paid-in capital </div><div id="a4227" style="position:absolute;font-weight:bold;left:398.56px;top:849.1px;">622,935 </div><div id="a4231" style="position:absolute;left:490.427px;top:849.1px;">622,652 </div><div id="a4235" style="position:absolute;left:577.187px;top:849.1px;">621,978 </div><div id="a4239" style="position:absolute;left:666.493px;top:849.1px;">621,860 </div><div id="a4243" style="position:absolute;left:755.493px;top:849.1px;">621,206 </div><div id="a4246" style="position:absolute;left:19.2px;top:862.5px;">Legal surplus<div style="display:inline-block;width:3.24px">&#160;</div></div><div id="a4251" style="position:absolute;font-weight:bold;left:398.56px;top:862.5px;">106,165 </div><div id="a4255" style="position:absolute;left:490.427px;top:862.5px;">103,269 </div><div id="a4259" style="position:absolute;left:577.187px;top:862.5px;">101,233 </div><div id="a4263" style="position:absolute;left:671.933px;top:862.5px;">98,347 </div><div id="a4267" style="position:absolute;left:760.933px;top:862.5px;">95,945 </div><div id="a4270" style="position:absolute;left:19.2px;top:876.3px;">Retained earnings<div style="display:inline-block;width:5.92px">&#160;</div></div><div id="a4275" style="position:absolute;font-weight:bold;left:398.56px;top:876.3px;">322,202 </div><div id="a4279" style="position:absolute;left:490.427px;top:876.3px;">300,096 </div><div id="a4283" style="position:absolute;left:577.187px;top:876.3px;">284,053 </div><div id="a4287" style="position:absolute;left:666.493px;top:876.3px;">264,725 </div><div id="a4291" style="position:absolute;left:755.493px;top:876.3px;">250,557 </div><div id="a4294" style="position:absolute;left:19.2px;top:889.7px;">Treasury stock,<div style="display:inline-block;width:3.68px">&#160;</div>at cost </div><div id="a4299" style="position:absolute;font-weight:bold;left:394.72px;top:889.7px;">(100,994) </div><div id="a4303" style="position:absolute;left:486.907px;top:889.7px;">(102,949) </div><div id="a4307" style="position:absolute;left:573.987px;top:889.7px;">(103,095) </div><div id="a4311" style="position:absolute;left:662.973px;top:889.7px;">(103,121) </div><div id="a4315" style="position:absolute;left:751.973px;top:889.7px;">(103,289) </div><div id="a4318" style="position:absolute;left:19.2px;top:903.5px;">Accumulated other comprehensive<div style="display:inline-block;width:4.14px">&#160;</div>(loss) income, net </div><div id="a4323" style="position:absolute;font-weight:bold;left:409.44px;top:903.5px;">6,230 </div><div id="a4327" style="position:absolute;left:495.867px;top:903.5px;">11,022 </div><div id="a4331" style="position:absolute;left:588.067px;top:903.5px;">8,268 </div><div id="a4335" style="position:absolute;left:677.373px;top:903.5px;">7,588 </div><div id="a4339" style="position:absolute;left:766.373px;top:903.5px;">6,290 </div><div id="a4342" style="position:absolute;font-weight:bold;left:19.2px;top:917.2px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total stockholders&apos;<div style="display:inline-block;width:4.3px">&#160;</div>equity </div><div id="a4348" style="position:absolute;font-weight:bold;left:390.56px;top:917.2px;">1,108,423 </div><div id="a4352" style="position:absolute;left:482.427px;top:917.2px;">1,085,975 </div><div id="a4356" style="position:absolute;left:569.187px;top:917.2px;">1,064,322 </div><div id="a4360" style="position:absolute;left:658.493px;top:917.2px;">1,041,284 </div><div id="a4364" style="position:absolute;left:747.493px;top:917.2px;">1,022,594 </div><div id="a4367" style="position:absolute;font-weight:bold;left:19.2px;top:931.3px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total liabilities<div style="display:inline-block;width:4.14px">&#160;</div>and stockholders&apos; equity<div style="display:inline-block;width:3.84px">&#160;</div></div><div id="a4372" style="position:absolute;font-weight:bold;left:361.733px;top:931.3px;">$ </div><div id="a4374" style="position:absolute;font-weight:bold;left:385.093px;top:931.3px;">10,153,342 </div><div id="a4377" style="position:absolute;left:452.64px;top:931.3px;">$ </div><div id="a4379" style="position:absolute;left:482.427px;top:931.3px;">9,826,011 </div><div id="a4382" style="position:absolute;left:544.507px;top:931.3px;">$ </div><div id="a4384" style="position:absolute;left:563.747px;top:931.3px;">10,018,991 </div><div id="a4387" style="position:absolute;left:631.587px;top:931.3px;">$ </div><div id="a4389" style="position:absolute;left:658.493px;top:931.3px;">9,932,719 </div><div id="a4392" style="position:absolute;left:720.573px;top:931.3px;">$ </div><div id="a4394" style="position:absolute;left:747.493px;top:931.3px;">9,238,571 </div><div id="a4415" style="position:absolute;left:19.2px;top:956.6px;">(a) During 2Q 2020, the Company<div style="display:inline-block;width:3.92px">&#160;</div>offered several<div style="display:inline-block;width:4.01px">&#160;</div>deferral programs<div style="display:inline-block;width:4.01px">&#160;</div>to clients impacted by<div style="display:inline-block;width:3.64px">&#160;</div>the Covid-19, which contributed<div style="display:inline-block;width:4.38px">&#160;</div>to the increase of accrued<div style="display:inline-block;width:3.82px">&#160;</div>interest receivable<div style="display:inline-block;width:4.08px">&#160;</div>by </div><div id="a4418" style="position:absolute;left:19.2px;top:969.4px;">approximately $40 million.<div style="display:inline-block;width:4.1px">&#160;</div></div></div>
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<div id="a4420" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a4422" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a4442" style="position:absolute;left:403.68px;top:76.4px;">4 </div><div id="a4445" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:89.4px;"><div style="display:inline-block;width:3.84px">&#160;</div></div></div>
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<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:241px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:241px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:241px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:241px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:712.6px; top:213.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:213.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:213.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:213.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:213.2px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:787.2px; height:13.8px; left:19.2px; top:212.5px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:712.6px; top:634.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:634.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:634.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:634.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:634.1px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:77.8px; height:13.1px; left:712.6px; top:577.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:77.8px; height:13.1px; left:616.5px; top:577.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:78.1px; height:13.1px; left:522.4px; top:577.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:78.1px; height:13.1px; left:428.3px; top:577.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:89.9px; height:13.1px; left:321.4px; top:577.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:712.6px; top:549.6px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:549.6px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:549.6px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:549.6px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:549.6px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:712.6px; top:522.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:522.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:522.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:522.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:522.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:712.6px; top:323.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:323.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:323.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:323.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:323.9px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:712.6px; top:186px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:616.5px; top:186px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:522.4px; top:186px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:74.9px; height:13.1px; left:428.3px; top:186px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:87.1px; height:13.1px; left:321.4px; top:186px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:787.2px; height:13.8px; left:19.2px; top:240.4px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:787.2px; height:13.8px; left:19.2px; top:185.3px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:77.8px; height:13.2px; left:712.6px; top:158.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:77.8px; height:13.2px; left:616.5px; top:158.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:78.1px; height:13.2px; left:522.4px; top:158.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:78.1px; height:13.2px; left:428.3px; top:158.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:89.9px; height:13.2px; left:321.4px; top:158.7px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:787.2px; height:13.8px; left:19.2px; top:158.1px; background-color:#DBEEF4;">&#160;</div>
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style="position:absolute;left:637.667px;top:129.5px;">June 30, </div><div id="a4525" style="position:absolute;left:729.533px;top:129.5px;">March 31, </div><div id="a4528" style="position:absolute;font-weight:bold;left:19.2px;top:143.3px;">(Dollars in thousands) (unaudited) </div><div id="a4532" style="position:absolute;font-weight:bold;left:357.893px;top:143.9px;">2021 </div><div id="a4535" style="position:absolute;left:456.48px;top:143.9px;">2020 </div><div id="a4538" style="position:absolute;left:550.587px;top:143.9px;">2020 </div><div id="a4541" style="position:absolute;left:644.707px;top:143.9px;">2020 </div><div id="a4544" style="position:absolute;left:740.773px;top:143.9px;">2020 </div><div id="a4547" style="position:absolute;font-weight:bold;left:19.2px;top:159px;">Non-PCD: </div><div id="a4551" style="position:absolute;font-size:8px;left:309.893px;top:160.1px;">(1) </div><div id="a4569" style="position:absolute;left:19.2px;top:172.4px;"><div 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id="a4638" style="position:absolute;left:562.147px;top:199.6px;">289,218 </div><div id="a4642" style="position:absolute;left:656.253px;top:199.6px;">278,059 </div><div id="a4646" style="position:absolute;left:784.293px;top:199.6px;">- </div><div id="a4649" style="position:absolute;left:19.2px;top:213.4px;"><div style="display:inline-block;width:14.08px">&#160;</div>Consumer </div><div id="a4655" style="position:absolute;font-weight:bold;left:372.933px;top:213.4px;">395,073 </div><div id="a4659" style="position:absolute;left:468px;top:213.4px;">413,552 </div><div id="a4663" style="position:absolute;left:562.147px;top:213.4px;">434,546 </div><div id="a4667" style="position:absolute;left:656.253px;top:213.4px;">458,714 </div><div id="a4671" style="position:absolute;left:752.293px;top:213.4px;">481,710 </div><div id="a4674" style="position:absolute;left:19.2px;top:226.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Auto </div><div id="a4680" 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style="position:absolute;font-weight:bold;left:364.933px;top:269.1px;">4,733,555 </div><div id="a4760" style="position:absolute;left:460px;top:269.1px;">4,729,099 </div><div id="a4764" style="position:absolute;left:554.107px;top:269.1px;">4,711,877 </div><div id="a4768" style="position:absolute;left:648.253px;top:269.1px;">4,832,963 </div><div id="a4772" style="position:absolute;left:744.293px;top:269.1px;">4,617,592 </div><div id="a4793" style="position:absolute;font-weight:bold;left:19.2px;top:296.9px;">PCD: </div><div id="a4795" style="position:absolute;font-size:8px;left:309.893px;top:298.1px;">(1) </div><div id="a4813" style="position:absolute;left:19.2px;top:310.7px;"><div style="display:inline-block;width:14.4px">&#160;</div>Mortgage </div><div id="a4819" style="position:absolute;font-weight:bold;left:364.933px;top:310.7px;">1,406,044 </div><div id="a4823" style="position:absolute;left:460px;top:310.7px;">1,459,932 </div><div id="a4827" style="position:absolute;left:554.107px;top:310.7px;">1,504,914 </div><div id="a4831" style="position:absolute;left:648.253px;top:310.7px;">1,541,637 </div><div id="a4835" style="position:absolute;left:744.293px;top:310.7px;">1,561,557 </div><div id="a4838" style="position:absolute;left:19.2px;top:324.1px;"><div style="display:inline-block;width:14.08px">&#160;</div>Commercial </div><div id="a4844" style="position:absolute;font-weight:bold;left:372.933px;top:324.1px;">272,793 </div><div id="a4848" style="position:absolute;left:468px;top:324.1px;">283,160 </div><div id="a4850" style="position:absolute;font-size:8px;left:506.427px;top:327.2px;">(a) </div><div id="a4853" style="position:absolute;left:562.147px;top:324.1px;">352,555 </div><div id="a4857" style="position:absolute;left:656.253px;top:324.1px;">386,046 </div><div id="a4861" style="position:absolute;left:752.293px;top:324.1px;">391,158 </div><div id="a4864" style="position:absolute;left:19.2px;top:337.9px;"><div 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style="position:absolute;left:757.733px;top:351.3px;">42,466 </div><div id="a4918" style="position:absolute;font-weight:bold;left:364.933px;top:365.7px;">1,702,993 </div><div id="a4922" style="position:absolute;left:460px;top:365.7px;">1,772,019 </div><div id="a4926" style="position:absolute;left:554.107px;top:365.7px;">1,891,641 </div><div id="a4930" style="position:absolute;left:648.253px;top:365.7px;">1,968,042 </div><div id="a4934" style="position:absolute;left:744.293px;top:365.7px;">1,998,531 </div><div id="a4937" style="position:absolute;left:19.2px;top:379.2px;"><div style="display:inline-block;width:14.08px">&#160;</div>Less:<div style="display:inline-block;width:5.14px">&#160;</div>Allowance<div style="display:inline-block;width:3.15px">&#160;</div>for credit losses </div><div id="a4941" style="position:absolute;font-size:8px;left:309.893px;top:382.2px;">(1) </div><div id="a4945" style="position:absolute;font-weight:bold;left:374.853px;top:379.2px;">(44,995) </div><div id="a4949" style="position:absolute;left:470.24px;top:379.2px;">(43,794) </div><div id="a4951" style="position:absolute;font-size:8px;left:506.427px;top:382.2px;">(a) </div><div id="a4954" style="position:absolute;left:564.387px;top:379.2px;">(78,904) </div><div id="a4958" style="position:absolute;left:658.493px;top:379.2px;">(81,194) </div><div id="a4962" style="position:absolute;left:754.533px;top:379.2px;">(80,794) </div><div id="a4965" style="position:absolute;left:19.2px;top:393.6px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total PCD<div style="display:inline-block;width:3.84px">&#160;</div>loans held for investment,<div style="display:inline-block;width:4.35px">&#160;</div>net </div><div id="a4971" style="position:absolute;font-weight:bold;left:364.933px;top:393.6px;">1,657,998 </div><div id="a4975" style="position:absolute;left:460px;top:393.6px;">1,728,225 </div><div id="a4979" style="position:absolute;left:554.107px;top:393.6px;">1,812,737 </div><div id="a4983" style="position:absolute;left:648.253px;top:393.6px;">1,886,848 </div><div id="a4987" style="position:absolute;left:744.293px;top:393.6px;">1,917,737 </div><div id="a4990" style="position:absolute;left:19.2px;top:407.7px;">Total loans held<div style="display:inline-block;width:3.78px">&#160;</div>for investment </div><div id="a4995" style="position:absolute;font-weight:bold;left:364.933px;top:407.7px;">6,391,553 </div><div id="a4999" style="position:absolute;left:460px;top:407.7px;">6,457,324 </div><div id="a5003" style="position:absolute;left:554.107px;top:407.7px;">6,524,614 </div><div id="a5007" style="position:absolute;left:648.253px;top:407.7px;">6,719,811 </div><div id="a5011" style="position:absolute;left:744.293px;top:407.7px;">6,535,329 </div><div id="a5014" style="position:absolute;font-weight:bold;left:19.2px;top:422.1px;">Mortgage loans held for sale </div><div id="a5019" style="position:absolute;font-weight:bold;left:378.373px;top:422.1px;">38,220 </div><div id="a5023" style="position:absolute;left:473.44px;top:422.1px;">41,654 </div><div id="a5027" style="position:absolute;left:567.587px;top:422.1px;">54,526 </div><div id="a5031" style="position:absolute;left:661.693px;top:422.1px;">19,432 </div><div id="a5035" style="position:absolute;left:763.173px;top:422.1px;">5,845 </div><div id="a5038" style="position:absolute;font-weight:bold;left:19.2px;top:435.5px;">Other loans held for sale </div><div id="a5043" style="position:absolute;font-weight:bold;left:383.813px;top:435.5px;">2,306 </div><div id="a5047" style="position:absolute;left:478.907px;top:435.5px;">2,281 </div><div id="a5051" style="position:absolute;left:594.147px;top:435.5px;">- </div><div id="a5055" style="position:absolute;left:688.253px;top:435.5px;">- </div><div id="a5059" style="position:absolute;left:784.293px;top:435.5px;">- </div><div id="a5062" style="position:absolute;font-weight:bold;left:19.2px;top:450.6px;">Total loans,<div style="display:inline-block;width:3.61px">&#160;</div>net </div><div id="a5066" style="position:absolute;font-weight:bold;left:326.213px;top:450.6px;">$ </div><div id="a5068" style="position:absolute;font-weight:bold;left:364.933px;top:450.6px;">6,432,079 </div><div id="a5071" style="position:absolute;left:428.32px;top:450.6px;">$ </div><div id="a5073" style="position:absolute;left:460px;top:450.6px;">6,501,259 </div><div id="a5076" style="position:absolute;left:522.427px;top:450.6px;">$ </div><div id="a5078" style="position:absolute;left:554.107px;top:450.6px;">6,579,140 </div><div id="a5081" style="position:absolute;left:616.547px;top:450.6px;">$ </div><div id="a5083" style="position:absolute;left:648.253px;top:450.6px;">6,739,243 </div><div id="a5086" style="position:absolute;left:712.573px;top:450.6px;">$ </div><div id="a5088" style="position:absolute;left:744.293px;top:450.6px;">6,541,174 </div><div id="a5109" style="position:absolute;font-weight:bold;left:19.2px;top:481.6px;">Loan Portfolio Summary: </div><div id="a5128" style="position:absolute;left:19.2px;top:495.4px;"><div style="display:inline-block;width:4.48px">&#160;</div>Loans held for investment: </div><div id="a5148" style="position:absolute;left:19.2px;top:508.8px;"><div style="display:inline-block;width:14.4px">&#160;</div>Mortgage </div><div id="a5153" style="position:absolute;font-weight:bold;left:326.213px;top:508.8px;">$ </div><div id="a5155" style="position:absolute;font-weight:bold;left:364.933px;top:508.8px;">2,197,106 </div><div id="a5158" style="position:absolute;left:428.32px;top:508.8px;">$ </div><div id="a5160" style="position:absolute;left:460px;top:508.8px;">2,283,375 </div><div id="a5163" style="position:absolute;left:522.427px;top:508.8px;">$ </div><div id="a5165" style="position:absolute;left:554.107px;top:508.8px;">2,352,585 </div><div id="a5168" style="position:absolute;left:616.547px;top:508.8px;">$ </div><div id="a5170" style="position:absolute;left:648.253px;top:508.8px;">2,415,923 </div><div id="a5173" style="position:absolute;left:712.573px;top:508.8px;">$ </div><div id="a5175" style="position:absolute;left:744.293px;top:508.8px;">2,449,507 </div><div id="a5178" style="position:absolute;left:19.2px;top:522.6px;"><div style="display:inline-block;width:14.08px">&#160;</div>Commercial </div><div id="a5184" style="position:absolute;font-weight:bold;left:364.933px;top:522.6px;">2,411,718 </div><div id="a5188" style="position:absolute;left:460px;top:522.6px;">2,402,010 </div><div id="a5192" style="position:absolute;left:554.107px;top:522.6px;">2,426,795 </div><div id="a5196" style="position:absolute;left:648.253px;top:522.6px;">2,582,529 </div><div id="a5200" style="position:absolute;left:744.293px;top:522.6px;">2,301,350 </div><div id="a5203" style="position:absolute;left:19.2px;top:536px;"><div style="display:inline-block;width:14.08px">&#160;</div>Consumer </div><div id="a5209" style="position:absolute;font-weight:bold;left:372.933px;top:536px;">396,193 </div><div id="a5213" style="position:absolute;left:468px;top:536px;">414,946 </div><div id="a5217" style="position:absolute;left:562.147px;top:536px;">436,882 </div><div id="a5221" style="position:absolute;left:656.253px;top:536px;">461,664 </div><div id="a5225" style="position:absolute;left:752.293px;top:536px;">485,060 </div><div id="a5228" style="position:absolute;left:19.2px;top:549.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Auto </div><div id="a5234" style="position:absolute;font-weight:bold;left:364.933px;top:549.8px;">1,588,509 </div><div id="a5238" style="position:absolute;left:460px;top:549.8px;">1,561,802 </div><div id="a5242" style="position:absolute;left:554.107px;top:549.8px;">1,543,665 </div><div id="a5246" style="position:absolute;left:648.253px;top:549.8px;">1,492,396 </div><div id="a5250" style="position:absolute;left:744.293px;top:549.8px;">1,530,167 </div><div id="a5257" style="position:absolute;font-weight:bold;left:364.933px;top:563.9px;">6,593,526 </div><div id="a5261" style="position:absolute;left:460px;top:563.9px;">6,662,133 </div><div id="a5265" style="position:absolute;left:554.107px;top:563.9px;">6,759,927 </div><div id="a5269" style="position:absolute;left:648.253px;top:563.9px;">6,952,512 </div><div id="a5273" style="position:absolute;left:744.293px;top:563.9px;">6,766,084 </div><div id="a5276" style="position:absolute;left:19.2px;top:577.6px;"><div style="display:inline-block;width:14.08px">&#160;</div>Less:<div style="display:inline-block;width:5.14px">&#160;</div>Allowance for credit<div style="display:inline-block;width:3.88px">&#160;</div>losses </div><div id="a5282" style="position:absolute;font-weight:bold;left:369.413px;top:577.6px;">(201,973) </div><div id="a5286" style="position:absolute;left:464.8px;top:577.6px;">(204,809) </div><div id="a5290" style="position:absolute;left:558.907px;top:577.6px;">(235,313) </div><div id="a5294" style="position:absolute;left:653.053px;top:577.6px;">(232,701) </div><div id="a5298" style="position:absolute;left:749.093px;top:577.6px;">(230,755) </div><div id="a5301" style="position:absolute;left:19.2px;top:591.7px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total loans<div style="display:inline-block;width:3.82px">&#160;</div>held for investment,<div style="display:inline-block;width:4.18px">&#160;</div>net </div><div id="a5307" style="position:absolute;font-weight:bold;left:364.933px;top:591.7px;">6,391,553 </div><div id="a5311" style="position:absolute;left:460px;top:591.7px;">6,457,324 </div><div id="a5315" style="position:absolute;left:554.107px;top:591.7px;">6,524,614 </div><div id="a5319" style="position:absolute;left:648.253px;top:591.7px;">6,719,811 </div><div id="a5323" style="position:absolute;left:744.293px;top:591.7px;">6,535,329 </div><div id="a5326" style="position:absolute;left:19.2px;top:605.5px;"><div style="display:inline-block;width:4.8px">&#160;</div>Mortgage loans held for sale </div><div id="a5332" style="position:absolute;font-weight:bold;left:378.373px;top:605.5px;">38,220 </div><div id="a5336" style="position:absolute;left:473.44px;top:605.5px;">41,654 </div><div id="a5340" style="position:absolute;left:567.587px;top:605.5px;">54,526 </div><div id="a5344" style="position:absolute;left:661.693px;top:605.5px;">19,432 </div><div id="a5348" style="position:absolute;left:763.173px;top:605.5px;">5,845 </div><div id="a5351" style="position:absolute;left:19.2px;top:618.9px;"><div style="display:inline-block;width:4.48px">&#160;</div>Other loans held for<div style="display:inline-block;width:3.67px">&#160;</div>sale </div><div id="a5357" style="position:absolute;font-weight:bold;left:383.813px;top:618.9px;">2,306 </div><div id="a5361" style="position:absolute;left:478.907px;top:618.9px;">2,281 </div><div id="a5365" style="position:absolute;left:594.147px;top:618.9px;">- </div><div id="a5369" style="position:absolute;left:688.253px;top:618.9px;">- </div><div id="a5373" style="position:absolute;left:784.293px;top:618.9px;">- </div><div id="a5376" style="position:absolute;font-weight:bold;left:19.2px;top:634.3px;">Total loans,<div style="display:inline-block;width:3.61px">&#160;</div>net </div><div id="a5380" style="position:absolute;font-weight:bold;left:326.213px;top:634.3px;">$ </div><div id="a5382" style="position:absolute;font-weight:bold;left:364.933px;top:634.3px;">6,432,079 </div><div id="a5385" style="position:absolute;left:428.32px;top:634.3px;">$ </div><div id="a5387" style="position:absolute;left:460px;top:634.3px;">6,501,259 </div><div id="a5390" style="position:absolute;left:522.427px;top:634.3px;">$ </div><div id="a5392" style="position:absolute;left:554.107px;top:634.3px;">6,579,140 </div><div id="a5395" style="position:absolute;left:616.547px;top:634.3px;">$ </div><div id="a5397" style="position:absolute;left:648.253px;top:634.3px;">6,739,243 </div><div id="a5400" style="position:absolute;left:712.573px;top:634.3px;">$ </div><div id="a5402" style="position:absolute;left:744.293px;top:634.3px;">6,541,174 </div><div id="a5423" style="position:absolute;left:19.2px;top:664.7px;">(a) During 4Q 2020, the Company<div style="display:inline-block;width:3.6px">&#160;</div>charged-off $31.2 million<div style="display:inline-block;width:4.21px">&#160;</div>for two commercial<div style="display:inline-block;width:4.13px">&#160;</div>PCD loans. </div><div id="a5445" style="position:absolute;left:402.08px;top:692.2px;">5 </div><div id="a5448" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:705.2px;"><div style="display:inline-block;width:3.84px">&#160;</div></div></div>
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<div style="position:absolute; width:78.1px; height:1px; left:595.4px; top:277.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1px; left:511.5px; top:277.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:78.1px; height:1px; left:427.4px; top:277.2px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:77.8px; height:1px; left:679.6px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:78.1px; height:1px; left:595.4px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1px; left:511.5px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:78.1px; height:1px; left:427.4px; top:275.3px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1px; left:343.5px; top:275.3px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:78.1px; height:1px; left:595.4px; top:259.6px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:78.1px; height:1px; left:427.4px; top:259.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1px; left:343.5px; top:259.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1.3px; left:679.6px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:78.1px; height:1.3px; left:595.4px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1.3px; left:511.5px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:78.1px; height:1.3px; left:427.4px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:77.8px; height:1.3px; left:343.5px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:323px; height:1.3px; left:19.2px; top:161.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:413.9px; height:1.3px; left:343.5px; top:133.5px; background-color:#000000;">&#160;</div>
<div id="a5450" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a5452" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a5454" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a5472" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:87.1px;">Table 4-2: Information on Loan Portfolio and </div><div id="a5477" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:103.1px;">Production </div><div id="a5498" style="position:absolute;font-weight:bold;left:517.947px;top:120.5px;">Quarter Ended </div><div id="a5503" style="position:absolute;font-weight:bold;left:360.133px;top:134.9px;">March 31, </div><div id="a5506" style="position:absolute;left:436px;top:134.9px;">December 31, </div><div id="a5509" style="position:absolute;left:518.267px;top:134.9px;">September 30, </div><div id="a5512" style="position:absolute;left:616.547px;top:134.9px;">June 30, </div><div id="a5515" style="position:absolute;left:696.253px;top:134.9px;">March 31, </div><div id="a5517" style="position:absolute;font-weight:bold;left:19.2px;top:148.1px;">(Dollars in thousands) (unaudited) </div><div id="a5522" style="position:absolute;font-weight:bold;left:375.173px;top:148.7px;">2021 </div><div id="a5526" style="position:absolute;left:459.36px;top:148.7px;">2020 </div><div id="a5530" style="position:absolute;left:543.227px;top:148.7px;">2020 </div><div id="a5534" style="position:absolute;left:627.427px;top:148.7px;">2020 </div><div id="a5538" style="position:absolute;left:711.293px;top:148.7px;">2020 </div><div id="a5540" style="position:absolute;font-weight:bold;left:19.2px;top:162.8px;">Loan production </div><div id="a5542" style="position:absolute;font-size:8px;left:327.813px;top:165.6px;">(13) </div><div id="a5559" style="position:absolute;left:19.2px;top:176.6px;"><div style="display:inline-block;width:9.6px">&#160;</div>Mortgage </div><div id="a5564" style="position:absolute;font-weight:bold;left:343.493px;top:176.6px;">$ </div><div id="a5566" style="position:absolute;font-weight:bold;left:388.293px;top:176.6px;">95,851 </div><div id="a5569" style="position:absolute;left:427.36px;top:176.6px;">$ </div><div id="a5571" style="position:absolute;left:472.48px;top:176.6px;">97,656 </div><div id="a5574" style="position:absolute;left:511.227px;top:176.6px;">$ </div><div id="a5576" style="position:absolute;left:556.347px;top:176.6px;">93,650 </div><div id="a5579" style="position:absolute;left:595.427px;top:176.6px;">$ </div><div id="a5581" style="position:absolute;left:640.547px;top:176.6px;">23,744 </div><div id="a5584" style="position:absolute;left:679.293px;top:176.6px;">$ </div><div id="a5586" style="position:absolute;left:724.413px;top:176.6px;">30,988 </div><div id="a5588" 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<div style="position:absolute; width:64.6px; height:1px; left:878.7px; top:531.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.9px; height:1px; left:833.5px; top:531.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.9px; height:1px; left:782.3px; top:531.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1px; left:716.3px; top:531.1px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:49.9px; height:1px; left:620px; top:531.1px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:49.9px; height:1px; left:457.7px; top:531.1px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:64.6px; height:1px; left:878.7px; top:255.1px; background-color:#000000;">&#160;</div>
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<div style="position:absolute; width:64.7px; height:1.3px; left:716.3px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.8px; height:1.3px; left:671.2px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.9px; height:1.3px; left:620px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1.3px; left:554.1px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.8px; height:1.3px; left:509px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.9px; height:1.3px; left:457.7px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.6px; height:1.3px; left:391.8px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:43.8px; height:1.3px; left:346.7px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:49.6px; height:1.3px; left:295.8px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:64.7px; height:1.3px; left:229.5px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:209px; height:1.3px; left:19.2px; top:158.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:161px; height:1.3px; left:878.7px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:161px; height:1.3px; left:716.3px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:161px; height:1.3px; left:554.1px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:161px; height:1.3px; left:391.8px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:161px; height:1.3px; left:229.5px; top:115.6px; background-color:#000000;">&#160;</div>
<div id="a5757" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a5759" style="position:absolute;font-size:13.44px;left:19.2px;top:752px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a5761" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a5805" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:84.8px;">Table 5: Average<div style="display:inline-block;width:4.29px">&#160;</div>Balances, Net Interest Income and Net Interest Margin </div><div id="a5811" style="position:absolute;font-weight:bold;left:291.613px;top:102.6px;">2021 Q1 </div><div id="a5814" style="position:absolute;left:453.893px;top:102.6px;">2020 Q4 </div><div id="a5817" style="position:absolute;left:616.187px;top:102.6px;">2020 Q3 </div><div id="a5820" style="position:absolute;left:778.467px;top:102.6px;">2020 Q2 </div><div id="a5823" style="position:absolute;left:940.733px;top:102.6px;">2020 Q1 </div><div id="a5830" style="position:absolute;font-weight:bold;left:303.453px;top:117.7px;">Interest<div style="display:inline-block;width:3.18px">&#160;</div></div><div id="a5838" style="position:absolute;left:465.733px;top:117.7px;">Interest<div style="display:inline-block;width:3.35px">&#160;</div></div><div id="a5846" style="position:absolute;left:628.027px;top:117.7px;">Interest<div style="display:inline-block;width:3.35px">&#160;</div></div><div id="a5854" style="position:absolute;left:790.307px;top:117.7px;">Interest<div style="display:inline-block;width:3.35px">&#160;</div></div><div id="a5862" style="position:absolute;left:952.613px;top:117.7px;">Interest<div style="display:inline-block;width:3.35px">&#160;</div></div><div id="a5870" style="position:absolute;font-weight:bold;left:243.587px;top:131.1px;">Average </div><div id="a5873" 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style="position:absolute;left:893.053px;top:131.1px;">Average </div><div id="a5909" style="position:absolute;left:951.333px;top:131.1px;">Income/ </div><div id="a5912" style="position:absolute;left:1005.093px;top:131.1px;">Yield/ </div><div id="a5914" style="position:absolute;font-weight:bold;left:19.2px;top:144.9px;">(Dollars in thousands) (unaudited) </div><div id="a5918" style="position:absolute;font-weight:bold;left:244.547px;top:145.5px;">Balance </div><div id="a5921" style="position:absolute;font-weight:bold;left:302.493px;top:145.5px;">Expense </div><div id="a5924" style="position:absolute;font-weight:bold;left:358.173px;top:145.5px;">Rate </div><div id="a5927" style="position:absolute;left:407.173px;top:145.5px;">Balance </div><div id="a5930" style="position:absolute;left:464.773px;top:145.5px;">Expense </div><div id="a5933" style="position:absolute;left:520.8px;top:145.5px;">Rate </div><div id="a5936" style="position:absolute;left:569.44px;top:145.5px;">Balance </div><div 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style="position:absolute;font-weight:bold;left:229.507px;top:187.8px;">$ </div><div id="a6064" style="position:absolute;font-weight:bold;left:248.067px;top:187.8px;">2,204,431 </div><div id="a6067" style="position:absolute;font-weight:bold;left:295.773px;top:187.8px;">$ </div><div id="a6069" style="position:absolute;font-weight:bold;left:326.173px;top:187.8px;">595 </div><div id="a6072" style="position:absolute;font-weight:bold;left:359.133px;top:187.8px;">0.11 </div><div id="a6074" style="position:absolute;font-weight:bold;left:381.533px;top:187.8px;">% </div><div id="a6077" style="position:absolute;left:391.813px;top:187.8px;">$ </div><div id="a6079" style="position:absolute;left:410.373px;top:187.8px;">2,091,458 </div><div id="a6082" style="position:absolute;left:457.733px;top:187.8px;">$ </div><div id="a6084" style="position:absolute;left:488.453px;top:187.8px;">613 </div><div id="a6087" style="position:absolute;left:521.76px;top:187.8px;">0.12 </div><div id="a6089" style="position:absolute;left:543.84px;top:187.8px;">% </div><div id="a6092" style="position:absolute;left:554.08px;top:187.8px;">$ </div><div id="a6094" style="position:absolute;left:572.64px;top:187.8px;">1,929,024 </div><div id="a6097" style="position:absolute;left:620.027px;top:187.8px;">$ </div><div id="a6099" style="position:absolute;left:650.747px;top:187.8px;">613 </div><div id="a6102" style="position:absolute;left:684.027px;top:187.8px;">0.13 </div><div id="a6104" style="position:absolute;left:706.107px;top:187.8px;">% </div><div id="a6107" style="position:absolute;left:716.347px;top:187.8px;">$ </div><div id="a6109" style="position:absolute;left:734.947px;top:187.8px;">1,393,187 </div><div id="a6112" style="position:absolute;left:782.307px;top:187.8px;">$ </div><div id="a6114" style="position:absolute;left:813.027px;top:187.8px;">359 </div><div id="a6117" style="position:absolute;left:846.333px;top:187.8px;">0.10 </div><div id="a6119" style="position:absolute;left:868.413px;top:187.8px;">% </div><div id="a6122" style="position:absolute;left:878.653px;top:187.8px;">$ </div><div id="a6124" style="position:absolute;left:904.893px;top:187.8px;">943,581 </div><div id="a6127" style="position:absolute;left:944.573px;top:187.8px;">$ </div><div id="a6129" style="position:absolute;left:967.333px;top:187.8px;">2,788 </div><div id="a6132" style="position:absolute;left:1008.613px;top:187.8px;">1.19 </div><div id="a6134" style="position:absolute;left:1030.693px;top:187.8px;">% </div><div id="a6136" style="position:absolute;left:19.2px;top:201.2px;"><div style="display:inline-block;width:9.6px">&#160;</div>Investment securities </div><div id="a6142" style="position:absolute;font-weight:bold;left:256.067px;top:201.2px;">518,038 </div><div id="a6146" style="position:absolute;font-weight:bold;left:318.173px;top:201.2px;">2,176 </div><div id="a6149" style="position:absolute;font-weight:bold;left:359.133px;top:201.2px;">1.68 </div><div id="a6151" style="position:absolute;font-weight:bold;left:381.533px;top:201.2px;">% </div><div id="a6155" style="position:absolute;left:418.373px;top:201.2px;">470,997 </div><div id="a6159" style="position:absolute;left:480.453px;top:201.2px;">1,986 </div><div id="a6162" style="position:absolute;left:521.76px;top:201.2px;">1.69 </div><div id="a6164" style="position:absolute;left:543.84px;top:201.2px;">% </div><div id="a6168" style="position:absolute;left:580.64px;top:201.2px;">502,671 </div><div id="a6172" style="position:absolute;left:642.747px;top:201.2px;">2,278 </div><div id="a6175" style="position:absolute;left:684.027px;top:201.2px;">1.81 </div><div id="a6177" style="position:absolute;left:706.107px;top:201.2px;">% </div><div id="a6181" style="position:absolute;left:742.947px;top:201.2px;">611,907 </div><div id="a6185" style="position:absolute;left:805.027px;top:201.2px;">2,801 </div><div id="a6188" style="position:absolute;left:846.333px;top:201.2px;">1.83 </div><div id="a6190" style="position:absolute;left:868.413px;top:201.2px;">% </div><div id="a6194" style="position:absolute;left:904.893px;top:201.2px;">924,965 </div><div id="a6198" style="position:absolute;left:967.333px;top:201.2px;">4,474 </div><div id="a6201" style="position:absolute;left:1008.613px;top:201.2px;">1.93 </div><div id="a6203" style="position:absolute;left:1030.693px;top:201.2px;">% </div><div id="a6205" style="position:absolute;left:19.2px;top:215px;"><div style="display:inline-block;width:9.28px">&#160;</div>Loans held for investment </div><div id="a6208" style="position:absolute;font-size:8px;left:218.307px;top:218.1px;">(1) </div><div id="a6255" style="position:absolute;left:19.2px;top:228.4px;"><div style="display:inline-block;width:24px">&#160;</div>Non-PCD loans </div><div id="a6263" style="position:absolute;font-weight:bold;left:248.067px;top:228.4px;">4,893,874 </div><div id="a6267" style="position:absolute;font-weight:bold;left:312.733px;top:228.4px;">82,936 </div><div id="a6270" style="position:absolute;font-weight:bold;left:359.133px;top:228.4px;">6.87 </div><div id="a6272" style="position:absolute;font-weight:bold;left:381.533px;top:228.4px;">% </div><div id="a6276" style="position:absolute;left:410.373px;top:228.4px;">4,863,902 </div><div id="a6280" style="position:absolute;left:475.013px;top:228.4px;">81,171 </div><div id="a6283" style="position:absolute;left:521.76px;top:228.4px;">6.64 </div><div id="a6285" style="position:absolute;left:543.84px;top:228.4px;">% </div><div id="a6289" style="position:absolute;left:572.64px;top:228.4px;">4,870,753 </div><div id="a6293" style="position:absolute;left:637.307px;top:228.4px;">83,029 </div><div id="a6296" style="position:absolute;left:684.027px;top:228.4px;">6.78 </div><div id="a6298" style="position:absolute;left:706.107px;top:228.4px;">% </div><div id="a6302" style="position:absolute;left:734.947px;top:228.4px;">4,857,281 </div><div id="a6306" style="position:absolute;left:799.587px;top:228.4px;">83,832 </div><div id="a6309" style="position:absolute;left:846.333px;top:228.4px;">6.94 </div><div id="a6311" style="position:absolute;left:868.413px;top:228.4px;">% </div><div id="a6315" style="position:absolute;left:896.893px;top:228.4px;">4,613,878 </div><div id="a6319" style="position:absolute;left:961.893px;top:228.4px;">87,482 </div><div id="a6322" style="position:absolute;left:1008.613px;top:228.4px;">7.63 </div><div id="a6324" style="position:absolute;left:1030.693px;top:228.4px;">% </div><div id="a6326" style="position:absolute;left:19.2px;top:242.2px;"><div style="display:inline-block;width:24px">&#160;</div>PCD loans </div><div id="a6332" style="position:absolute;font-weight:bold;left:248.067px;top:242.2px;">1,742,034 </div><div id="a6336" style="position:absolute;font-weight:bold;left:312.733px;top:242.2px;">25,275 </div><div id="a6339" style="position:absolute;font-weight:bold;left:359.133px;top:242.2px;">5.80 </div><div id="a6341" style="position:absolute;font-weight:bold;left:381.533px;top:242.2px;">% </div><div id="a6345" style="position:absolute;left:410.373px;top:242.2px;">1,844,382 </div><div id="a6349" style="position:absolute;left:475.013px;top:242.2px;">29,250 </div><div id="a6352" style="position:absolute;left:521.76px;top:242.2px;">6.34 </div><div id="a6354" style="position:absolute;left:543.84px;top:242.2px;">% </div><div id="a6358" style="position:absolute;left:572.64px;top:242.2px;">1,916,269 </div><div id="a6362" style="position:absolute;left:637.307px;top:242.2px;">29,018 </div><div id="a6365" style="position:absolute;left:684.027px;top:242.2px;">6.06 </div><div id="a6367" style="position:absolute;left:706.107px;top:242.2px;">% </div><div id="a6371" style="position:absolute;left:734.947px;top:242.2px;">1,983,369 </div><div id="a6375" style="position:absolute;left:799.587px;top:242.2px;">34,700 </div><div id="a6378" style="position:absolute;left:846.333px;top:242.2px;">7.00 </div><div id="a6380" style="position:absolute;left:868.413px;top:242.2px;">% </div><div id="a6384" style="position:absolute;left:896.893px;top:242.2px;">2,073,997 </div><div id="a6388" style="position:absolute;left:961.893px;top:242.2px;">28,953 </div><div id="a6391" style="position:absolute;left:1008.613px;top:242.2px;">5.58 </div><div id="a6393" style="position:absolute;left:1030.693px;top:242.2px;">% </div><div id="a6395" style="position:absolute;left:19.2px;top:256.3px;"><div style="display:inline-block;width:28.8px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>loans </div><div id="a6401" style="position:absolute;font-weight:bold;left:248.067px;top:256.3px;">6,635,908 </div><div id="a6405" style="position:absolute;font-weight:bold;left:307.293px;top:256.3px;">108,211 </div><div id="a6408" style="position:absolute;font-weight:bold;left:359.133px;top:256.3px;">6.61 </div><div id="a6410" style="position:absolute;font-weight:bold;left:381.533px;top:256.3px;">% </div><div id="a6414" style="position:absolute;left:410.373px;top:256.3px;">6,708,284 </div><div id="a6418" style="position:absolute;left:469.573px;top:256.3px;">110,421 </div><div id="a6421" style="position:absolute;left:521.76px;top:256.3px;">6.55 </div><div id="a6423" style="position:absolute;left:543.84px;top:256.3px;">% </div><div id="a6427" style="position:absolute;left:572.64px;top:256.3px;">6,787,022 </div><div id="a6431" style="position:absolute;left:631.867px;top:256.3px;">112,047 </div><div id="a6434" style="position:absolute;left:684.027px;top:256.3px;">6.57 </div><div id="a6436" style="position:absolute;left:706.107px;top:256.3px;">% </div><div id="a6440" style="position:absolute;left:734.947px;top:256.3px;">6,840,650 </div><div id="a6444" style="position:absolute;left:794.147px;top:256.3px;">118,532 </div><div id="a6447" style="position:absolute;left:846.333px;top:256.3px;">6.97 </div><div id="a6449" style="position:absolute;left:868.413px;top:256.3px;">% </div><div id="a6453" style="position:absolute;left:896.893px;top:256.3px;">6,687,875 </div><div id="a6457" style="position:absolute;left:956.453px;top:256.3px;">116,435 </div><div id="a6460" style="position:absolute;left:1008.613px;top:256.3px;">7.00 </div><div id="a6462" style="position:absolute;left:1030.693px;top:256.3px;">% </div><div id="a6464" style="position:absolute;left:19.2px;top:270.7px;">Total interest<div style="display:inline-block;width:2px">&#160;</div>-earning assets </div><div id="a6470" style="position:absolute;font-weight:bold;left:229.507px;top:270.7px;">$ </div><div id="a6472" style="position:absolute;font-weight:bold;left:248.067px;top:270.7px;">9,358,377 </div><div id="a6475" style="position:absolute;font-weight:bold;left:295.773px;top:270.7px;">$ </div><div id="a6477" style="position:absolute;font-weight:bold;left:307.293px;top:270.7px;">110,982 </div><div id="a6480" style="position:absolute;font-weight:bold;left:359.133px;top:270.7px;">4.81 </div><div id="a6482" style="position:absolute;font-weight:bold;left:381.533px;top:270.7px;">% </div><div id="a6485" style="position:absolute;left:391.813px;top:270.7px;">$ </div><div id="a6487" style="position:absolute;left:410.373px;top:270.7px;">9,270,739 </div><div id="a6490" style="position:absolute;left:457.733px;top:270.7px;">$ </div><div id="a6492" style="position:absolute;left:469.573px;top:270.7px;">113,020 </div><div id="a6495" style="position:absolute;left:521.76px;top:270.7px;">4.85 </div><div id="a6497" style="position:absolute;left:543.84px;top:270.7px;">% </div><div id="a6500" style="position:absolute;left:554.08px;top:270.7px;">$ </div><div id="a6502" style="position:absolute;left:572.64px;top:270.7px;">9,218,717 </div><div id="a6505" style="position:absolute;left:620.027px;top:270.7px;">$ </div><div id="a6507" style="position:absolute;left:631.867px;top:270.7px;">114,938 </div><div id="a6510" style="position:absolute;left:684.027px;top:270.7px;">4.96 </div><div id="a6512" style="position:absolute;left:706.107px;top:270.7px;">% </div><div id="a6515" style="position:absolute;left:716.347px;top:270.7px;">$ </div><div id="a6517" style="position:absolute;left:734.947px;top:270.7px;">8,845,744 </div><div id="a6520" style="position:absolute;left:782.307px;top:270.7px;">$ </div><div id="a6522" style="position:absolute;left:794.147px;top:270.7px;">121,692 </div><div id="a6525" style="position:absolute;left:846.333px;top:270.7px;">5.53 </div><div id="a6527" style="position:absolute;left:868.413px;top:270.7px;">% </div><div id="a6530" style="position:absolute;left:878.653px;top:270.7px;">$ </div><div id="a6532" style="position:absolute;left:896.893px;top:270.7px;">8,556,421 </div><div id="a6535" style="position:absolute;left:944.573px;top:270.7px;">$ </div><div id="a6537" style="position:absolute;left:956.453px;top:270.7px;">123,697 </div><div id="a6540" style="position:absolute;left:1008.613px;top:270.7px;">5.81 </div><div id="a6542" style="position:absolute;left:1030.693px;top:270.7px;">% </div><div id="a6591" style="position:absolute;font-weight:bold;left:19.2px;top:298.6px;">Interest bearing liabilities: </div><div id="a6639" style="position:absolute;left:19.2px;top:312px;"><div style="display:inline-block;width:9.6px">&#160;</div>Deposits </div><div id="a6688" style="position:absolute;left:19.2px;top:325.8px;"><div style="display:inline-block;width:19.2px">&#160;</div>NOW accounts </div><div id="a6693" style="position:absolute;font-weight:bold;left:229.507px;top:325.8px;">$ </div><div id="a6695" style="position:absolute;font-weight:bold;left:248.067px;top:325.8px;">2,397,673 </div><div id="a6698" style="position:absolute;font-weight:bold;left:295.773px;top:325.8px;">$ </div><div id="a6700" style="position:absolute;font-weight:bold;left:318.173px;top:325.8px;">2,393 </div><div id="a6703" style="position:absolute;font-weight:bold;left:359.133px;top:325.8px;">0.40 </div><div id="a6705" style="position:absolute;font-weight:bold;left:381.533px;top:325.8px;">% </div><div id="a6708" style="position:absolute;left:391.813px;top:325.8px;">$ </div><div id="a6710" style="position:absolute;left:410.373px;top:325.8px;">2,344,903 </div><div id="a6713" style="position:absolute;left:457.733px;top:325.8px;">$ </div><div id="a6715" style="position:absolute;left:480.453px;top:325.8px;">2,258 </div><div id="a6718" style="position:absolute;left:521.76px;top:325.8px;">0.38 </div><div id="a6720" style="position:absolute;left:543.84px;top:325.8px;">% </div><div id="a6723" style="position:absolute;left:554.08px;top:325.8px;">$ </div><div id="a6725" style="position:absolute;left:572.64px;top:325.8px;">2,227,687 </div><div id="a6728" style="position:absolute;left:620.027px;top:325.8px;">$ </div><div id="a6730" style="position:absolute;left:642.747px;top:325.8px;">2,247 </div><div id="a6733" style="position:absolute;left:684.027px;top:325.8px;">0.40 </div><div id="a6735" style="position:absolute;left:706.107px;top:325.8px;">% </div><div id="a6738" style="position:absolute;left:716.347px;top:325.8px;">$ </div><div id="a6740" style="position:absolute;left:734.947px;top:325.8px;">2,069,247 </div><div id="a6743" style="position:absolute;left:782.307px;top:325.8px;">$ </div><div id="a6745" style="position:absolute;left:805.027px;top:325.8px;">2,138 </div><div id="a6748" style="position:absolute;left:846.333px;top:325.8px;">0.42 </div><div id="a6750" style="position:absolute;left:868.413px;top:325.8px;">% </div><div id="a6753" style="position:absolute;left:878.653px;top:325.8px;">$ </div><div id="a6755" style="position:absolute;left:896.893px;top:325.8px;">1,980,505 </div><div id="a6758" style="position:absolute;left:944.573px;top:325.8px;">$ </div><div id="a6760" style="position:absolute;left:967.333px;top:325.8px;">2,389 </div><div id="a6763" style="position:absolute;left:1008.613px;top:325.8px;">0.48 </div><div id="a6765" style="position:absolute;left:1030.693px;top:325.8px;">% </div><div id="a6767" style="position:absolute;left:19.2px;top:339.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Savings accounts </div><div id="a6773" style="position:absolute;font-weight:bold;left:248.067px;top:339.2px;">2,003,963 </div><div id="a6777" style="position:absolute;font-weight:bold;left:318.173px;top:339.2px;">2,124 </div><div id="a6780" style="position:absolute;font-weight:bold;left:359.133px;top:339.2px;">0.43 </div><div id="a6782" style="position:absolute;font-weight:bold;left:381.533px;top:339.2px;">% </div><div id="a6786" style="position:absolute;left:410.373px;top:339.2px;">1,897,618 </div><div id="a6790" style="position:absolute;left:480.453px;top:339.2px;">1,954 </div><div id="a6793" style="position:absolute;left:521.76px;top:339.2px;">0.41 </div><div id="a6795" style="position:absolute;left:543.84px;top:339.2px;">% </div><div id="a6799" style="position:absolute;left:572.64px;top:339.2px;">1,927,680 </div><div id="a6803" style="position:absolute;left:642.747px;top:339.2px;">2,010 </div><div id="a6806" style="position:absolute;left:684.027px;top:339.2px;">0.41 </div><div id="a6808" style="position:absolute;left:706.107px;top:339.2px;">% </div><div id="a6812" style="position:absolute;left:734.947px;top:339.2px;">1,809,517 </div><div id="a6816" style="position:absolute;left:805.027px;top:339.2px;">1,976 </div><div id="a6819" style="position:absolute;left:846.333px;top:339.2px;">0.44 </div><div id="a6821" style="position:absolute;left:868.413px;top:339.2px;">% </div><div id="a6825" style="position:absolute;left:896.893px;top:339.2px;">1,797,658 </div><div id="a6829" style="position:absolute;left:967.333px;top:339.2px;">2,440 </div><div id="a6832" style="position:absolute;left:1008.613px;top:339.2px;">0.55 </div><div id="a6834" style="position:absolute;left:1030.693px;top:339.2px;">% </div><div id="a6836" style="position:absolute;left:19.2px;top:353px;"><div style="display:inline-block;width:19.2px">&#160;</div>Time deposits </div><div id="a6842" style="position:absolute;font-weight:bold;left:248.067px;top:353px;">1,775,828 </div><div id="a6846" style="position:absolute;font-weight:bold;left:318.173px;top:353px;">5,507 </div><div id="a6849" style="position:absolute;font-weight:bold;left:359.133px;top:353px;">1.26 </div><div id="a6851" style="position:absolute;font-weight:bold;left:381.533px;top:353px;">% </div><div id="a6855" style="position:absolute;left:410.373px;top:353px;">1,893,070 </div><div id="a6859" style="position:absolute;left:480.453px;top:353px;">6,975 </div><div id="a6862" style="position:absolute;left:521.76px;top:353px;">1.47 </div><div id="a6864" style="position:absolute;left:543.84px;top:353px;">% </div><div id="a6868" style="position:absolute;left:572.64px;top:353px;">1,944,856 </div><div id="a6872" style="position:absolute;left:642.747px;top:353px;">7,512 </div><div id="a6875" style="position:absolute;left:684.027px;top:353px;">1.54 </div><div id="a6877" style="position:absolute;left:706.107px;top:353px;">% </div><div id="a6881" style="position:absolute;left:734.947px;top:353px;">1,990,639 </div><div id="a6885" style="position:absolute;left:805.027px;top:353px;">7,835 </div><div id="a6888" style="position:absolute;left:846.333px;top:353px;">1.58 </div><div id="a6890" style="position:absolute;left:868.413px;top:353px;">% </div><div id="a6894" style="position:absolute;left:896.893px;top:353px;">2,039,311 </div><div id="a6898" style="position:absolute;left:967.333px;top:353px;">8,131 </div><div id="a6901" style="position:absolute;left:1008.613px;top:353px;">1.60 </div><div id="a6903" style="position:absolute;left:1030.693px;top:353px;">% </div><div id="a6905" style="position:absolute;left:19.2px;top:366.4px;"><div style="display:inline-block;width:18.88px">&#160;</div>Brokered<div style="display:inline-block;width:3.68px">&#160;</div>deposits </div><div id="a6911" style="position:absolute;font-weight:bold;left:261.507px;top:366.4px;">45,955 </div><div id="a6915" style="position:absolute;font-weight:bold;left:326.173px;top:366.4px;">163 </div><div id="a6918" style="position:absolute;font-weight:bold;left:359.133px;top:366.4px;">1.44 </div><div id="a6920" style="position:absolute;font-weight:bold;left:381.533px;top:366.4px;">% </div><div id="a6924" style="position:absolute;left:423.813px;top:366.4px;">64,338 </div><div id="a6928" style="position:absolute;left:488.453px;top:366.4px;">289 </div><div id="a6931" style="position:absolute;left:521.76px;top:366.4px;">1.78 </div><div id="a6933" style="position:absolute;left:543.84px;top:366.4px;">% </div><div id="a6937" style="position:absolute;left:580.64px;top:366.4px;">140,416 </div><div id="a6941" style="position:absolute;left:650.747px;top:366.4px;">812 </div><div id="a6944" style="position:absolute;left:684.027px;top:366.4px;">2.30 </div><div id="a6946" style="position:absolute;left:706.107px;top:366.4px;">% </div><div id="a6950" style="position:absolute;left:742.947px;top:366.4px;">235,611 </div><div id="a6954" style="position:absolute;left:805.027px;top:366.4px;">1,446 </div><div id="a6957" style="position:absolute;left:846.333px;top:366.4px;">2.47 </div><div id="a6959" style="position:absolute;left:868.413px;top:366.4px;">% </div><div id="a6963" style="position:absolute;left:904.893px;top:366.4px;">236,008 </div><div id="a6967" style="position:absolute;left:967.333px;top:366.4px;">1,586 </div><div id="a6970" style="position:absolute;left:1008.613px;top:366.4px;">2.70 </div><div id="a6972" style="position:absolute;left:1030.693px;top:366.4px;">% </div><div id="a6978" style="position:absolute;font-weight:bold;left:248.067px;top:380.8px;">6,223,419 </div><div id="a6982" style="position:absolute;font-weight:bold;left:312.733px;top:380.8px;">10,187 </div><div id="a6985" style="position:absolute;font-weight:bold;left:359.133px;top:380.8px;">0.66 </div><div id="a6987" style="position:absolute;font-weight:bold;left:381.533px;top:380.8px;">% </div><div id="a6991" style="position:absolute;left:410.373px;top:380.8px;">6,199,929 </div><div id="a6995" style="position:absolute;left:475.013px;top:380.8px;">11,476 </div><div id="a6998" style="position:absolute;left:521.76px;top:380.8px;">0.74 </div><div id="a7000" style="position:absolute;left:543.84px;top:380.8px;">% </div><div id="a7004" style="position:absolute;left:572.64px;top:380.8px;">6,240,639 </div><div id="a7008" style="position:absolute;left:637.307px;top:380.8px;">12,581 </div><div id="a7011" style="position:absolute;left:684.027px;top:380.8px;">0.80 </div><div id="a7013" style="position:absolute;left:706.107px;top:380.8px;">% </div><div id="a7017" style="position:absolute;left:734.947px;top:380.8px;">6,105,014 </div><div id="a7021" style="position:absolute;left:799.587px;top:380.8px;">13,395 </div><div id="a7024" style="position:absolute;left:846.333px;top:380.8px;">0.88 </div><div id="a7026" style="position:absolute;left:868.413px;top:380.8px;">% </div><div id="a7030" style="position:absolute;left:896.893px;top:380.8px;">6,053,482 </div><div id="a7034" style="position:absolute;left:961.893px;top:380.8px;">14,546 </div><div id="a7037" style="position:absolute;left:1008.613px;top:380.8px;">0.97 </div><div id="a7039" style="position:absolute;left:1030.693px;top:380.8px;">% </div><div id="a7041" style="position:absolute;left:19.2px;top:394.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Non-interest bearing<div style="display:inline-block;width:3.58px">&#160;</div>deposit accounts </div><div id="a7049" style="position:absolute;font-weight:bold;left:248.067px;top:394.6px;">2,358,214 </div><div id="a7053" style="position:absolute;font-weight:bold;left:339.293px;top:394.6px;">- </div><div id="a7056" style="position:absolute;font-weight:bold;left:375.133px;top:394.6px;">- </div><div id="a7061" style="position:absolute;left:410.373px;top:394.6px;">2,315,717 </div><div id="a7065" style="position:absolute;left:501.573px;top:394.6px;">- </div><div id="a7068" style="position:absolute;left:537.44px;top:394.6px;">- </div><div id="a7073" style="position:absolute;left:572.64px;top:394.6px;">2,276,400 </div><div id="a7077" style="position:absolute;left:663.867px;top:394.6px;">- </div><div id="a7080" style="position:absolute;left:699.707px;top:394.6px;">- </div><div id="a7085" style="position:absolute;left:734.947px;top:394.6px;">1,983,092 </div><div id="a7089" style="position:absolute;left:826.147px;top:394.6px;">- </div><div id="a7092" style="position:absolute;left:862.013px;top:394.6px;">- </div><div id="a7097" style="position:absolute;left:896.893px;top:394.6px;">1,698,964 </div><div id="a7101" style="position:absolute;left:988.453px;top:394.6px;">- </div><div id="a7104" style="position:absolute;left:1024.293px;top:394.6px;">- </div><div id="a7107" style="position:absolute;left:19.2px;top:408.7px;"><div style="display:inline-block;width:19.2px">&#160;</div>Fair value premium amortization<div style="display:inline-block;width:4.28px">&#160;</div>and </div><div id="a7109" style="position:absolute;left:19.2px;top:421.8px;">core deposit intangible amortization </div><div id="a7114" style="position:absolute;font-weight:bold;left:288.093px;top:421.8px;">- </div><div id="a7118" style="position:absolute;font-weight:bold;left:318.173px;top:421.8px;">1,837 </div><div id="a7121" style="position:absolute;font-weight:bold;left:375.133px;top:421.8px;">- </div><div id="a7126" style="position:absolute;left:450.373px;top:421.8px;">- </div><div id="a7130" style="position:absolute;left:480.453px;top:421.8px;">2,037 </div><div id="a7133" style="position:absolute;left:537.44px;top:421.8px;">- </div><div id="a7138" style="position:absolute;left:612.64px;top:421.8px;">- </div><div id="a7142" style="position:absolute;left:642.747px;top:421.8px;">2,039 </div><div id="a7145" style="position:absolute;left:699.707px;top:421.8px;">- </div><div id="a7150" style="position:absolute;left:774.947px;top:421.8px;">- </div><div id="a7154" style="position:absolute;left:805.027px;top:421.8px;">2,051 </div><div id="a7157" style="position:absolute;left:862.013px;top:421.8px;">- </div><div id="a7162" style="position:absolute;left:936.893px;top:421.8px;">- </div><div id="a7166" style="position:absolute;left:967.333px;top:421.8px;">2,074 </div><div id="a7169" style="position:absolute;left:1024.293px;top:421.8px;">- </div><div id="a7172" style="position:absolute;left:19.2px;top:435.9px;"><div style="display:inline-block;width:28.8px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>deposits </div><div id="a7178" style="position:absolute;font-weight:bold;left:248.067px;top:435.9px;">8,581,633 </div><div id="a7182" style="position:absolute;font-weight:bold;left:312.733px;top:435.9px;">12,024 </div><div id="a7185" style="position:absolute;font-weight:bold;left:359.133px;top:435.9px;">0.57 </div><div id="a7187" style="position:absolute;font-weight:bold;left:381.533px;top:435.9px;">% </div><div id="a7191" style="position:absolute;left:410.373px;top:435.9px;">8,515,646 </div><div id="a7195" style="position:absolute;left:475.013px;top:435.9px;">13,513 </div><div id="a7198" style="position:absolute;left:521.76px;top:435.9px;">0.63 </div><div id="a7200" style="position:absolute;left:543.84px;top:435.9px;">% </div><div id="a7204" style="position:absolute;left:572.64px;top:435.9px;">8,517,039 </div><div id="a7208" style="position:absolute;left:637.307px;top:435.9px;">14,620 </div><div id="a7211" style="position:absolute;left:684.027px;top:435.9px;">0.68 </div><div id="a7213" style="position:absolute;left:706.107px;top:435.9px;">% </div><div id="a7217" style="position:absolute;left:734.947px;top:435.9px;">8,088,106 </div><div id="a7221" style="position:absolute;left:799.587px;top:435.9px;">15,446 </div><div id="a7224" style="position:absolute;left:846.333px;top:435.9px;">0.77 </div><div id="a7226" style="position:absolute;left:868.413px;top:435.9px;">% </div><div id="a7230" style="position:absolute;left:896.893px;top:435.9px;">7,752,446 </div><div id="a7234" style="position:absolute;left:961.893px;top:435.9px;">16,620 </div><div id="a7237" style="position:absolute;left:1008.613px;top:435.9px;">0.86 </div><div id="a7239" style="position:absolute;left:1030.693px;top:435.9px;">% </div><div id="a7241" style="position:absolute;left:19.2px;top:450.3px;"><div style="display:inline-block;width:9.28px">&#160;</div>Borrowings </div><div id="a7290" style="position:absolute;left:19.2px;top:464.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Securities sold under agreements<div style="display:inline-block;width:4.01px">&#160;</div>to </div><div id="a7292" style="position:absolute;left:19.2px;top:477.5px;">repurchase </div><div id="a7297" style="position:absolute;font-weight:bold;left:288.093px;top:477.5px;">- </div><div id="a7301" style="position:absolute;font-weight:bold;left:339.293px;top:477.5px;">- </div><div id="a7304" style="position:absolute;font-weight:bold;left:375.133px;top:477.5px;">- </div><div id="a7306" style="position:absolute;font-weight:bold;left:381.533px;top:477.5px;">% </div><div id="a7310" style="position:absolute;left:450.373px;top:477.5px;">- </div><div id="a7314" style="position:absolute;left:501.573px;top:477.5px;">- </div><div id="a7317" style="position:absolute;left:537.44px;top:477.5px;">- </div><div id="a7319" style="position:absolute;left:543.84px;top:477.5px;">% </div><div id="a7323" style="position:absolute;left:612.64px;top:477.5px;">- </div><div id="a7327" style="position:absolute;left:663.867px;top:477.5px;">- </div><div id="a7330" style="position:absolute;left:699.707px;top:477.5px;">- </div><div id="a7332" style="position:absolute;left:706.107px;top:477.5px;">% </div><div id="a7336" style="position:absolute;left:748.387px;top:477.5px;">46,154 </div><div id="a7340" style="position:absolute;left:813.027px;top:477.5px;">334 </div><div id="a7343" style="position:absolute;left:846.333px;top:477.5px;">2.91 </div><div id="a7345" style="position:absolute;left:868.413px;top:477.5px;">% </div><div id="a7349" style="position:absolute;left:904.893px;top:477.5px;">158,462 </div><div id="a7353" style="position:absolute;left:967.333px;top:477.5px;">1,002 </div><div id="a7356" style="position:absolute;left:1008.613px;top:477.5px;">2.54 </div><div id="a7358" style="position:absolute;left:1030.693px;top:477.5px;">% </div><div id="a7360" style="position:absolute;left:19.2px;top:491.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Advances from FHLB and<div style="display:inline-block;width:3.68px">&#160;</div>other </div><div id="a7362" style="position:absolute;left:19.2px;top:504.7px;">borrowings </div><div id="a7367" style="position:absolute;font-weight:bold;left:261.507px;top:504.7px;">64,868 </div><div id="a7371" style="position:absolute;font-weight:bold;left:326.173px;top:504.7px;">459 </div><div id="a7374" style="position:absolute;font-weight:bold;left:359.133px;top:504.7px;">2.87 </div><div id="a7376" style="position:absolute;font-weight:bold;left:381.533px;top:504.7px;">% </div><div id="a7380" style="position:absolute;left:423.813px;top:504.7px;">65,847 </div><div id="a7384" style="position:absolute;left:488.453px;top:504.7px;">468 </div><div id="a7387" style="position:absolute;left:521.76px;top:504.7px;">2.83 </div><div id="a7389" style="position:absolute;left:543.84px;top:504.7px;">% </div><div id="a7393" style="position:absolute;left:586.08px;top:504.7px;">66,833 </div><div id="a7397" style="position:absolute;left:650.747px;top:504.7px;">476 </div><div id="a7400" style="position:absolute;left:684.027px;top:504.7px;">2.83 </div><div id="a7402" style="position:absolute;left:706.107px;top:504.7px;">% </div><div id="a7406" style="position:absolute;left:748.387px;top:504.7px;">75,432 </div><div id="a7410" style="position:absolute;left:813.027px;top:504.7px;">505 </div><div id="a7413" style="position:absolute;left:846.333px;top:504.7px;">2.69 </div><div id="a7415" style="position:absolute;left:868.413px;top:504.7px;">% </div><div id="a7419" style="position:absolute;left:910.333px;top:504.7px;">77,255 </div><div id="a7423" style="position:absolute;left:975.333px;top:504.7px;">539 </div><div id="a7426" style="position:absolute;left:1008.613px;top:504.7px;">2.81 </div><div id="a7428" style="position:absolute;left:1030.693px;top:504.7px;">% </div><div id="a7430" style="position:absolute;left:19.2px;top:518.1px;"><div style="display:inline-block;width:19.2px">&#160;</div>Subordinated capital<div style="display:inline-block;width:3.71px">&#160;</div>notes </div><div id="a7436" style="position:absolute;font-weight:bold;left:261.507px;top:518.1px;">36,083 </div><div id="a7440" style="position:absolute;font-weight:bold;left:326.173px;top:518.1px;">295 </div><div id="a7443" style="position:absolute;font-weight:bold;left:359.133px;top:518.1px;">3.31 </div><div id="a7445" style="position:absolute;font-weight:bold;left:381.533px;top:518.1px;">% </div><div id="a7449" style="position:absolute;left:423.813px;top:518.1px;">36,083 </div><div id="a7453" style="position:absolute;left:488.453px;top:518.1px;">301 </div><div id="a7456" style="position:absolute;left:521.76px;top:518.1px;">3.34 </div><div id="a7458" style="position:absolute;left:543.84px;top:518.1px;">% </div><div id="a7462" style="position:absolute;left:586.08px;top:518.1px;">36,083 </div><div id="a7466" style="position:absolute;left:650.747px;top:518.1px;">308 </div><div id="a7469" style="position:absolute;left:684.027px;top:518.1px;">3.39 </div><div id="a7471" style="position:absolute;left:706.107px;top:518.1px;">% </div><div id="a7475" style="position:absolute;left:748.387px;top:518.1px;">36,083 </div><div id="a7479" style="position:absolute;left:813.027px;top:518.1px;">347 </div><div id="a7482" style="position:absolute;left:846.333px;top:518.1px;">3.87 </div><div id="a7484" style="position:absolute;left:868.413px;top:518.1px;">% </div><div id="a7488" style="position:absolute;left:910.333px;top:518.1px;">36,083 </div><div id="a7492" style="position:absolute;left:975.333px;top:518.1px;">435 </div><div id="a7495" style="position:absolute;left:1008.613px;top:518.1px;">4.85 </div><div id="a7497" style="position:absolute;left:1030.693px;top:518.1px;">% </div><div id="a7499" style="position:absolute;left:19.2px;top:532.5px;"><div style="display:inline-block;width:28.8px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>borrowings </div><div id="a7505" style="position:absolute;font-weight:bold;left:256.067px;top:532.5px;">100,951 </div><div id="a7509" style="position:absolute;font-weight:bold;left:326.173px;top:532.5px;">754 </div><div id="a7512" style="position:absolute;font-weight:bold;left:359.133px;top:532.5px;">3.03 </div><div id="a7514" style="position:absolute;font-weight:bold;left:381.533px;top:532.5px;">% </div><div id="a7518" style="position:absolute;left:418.373px;top:532.5px;">101,930 </div><div id="a7522" style="position:absolute;left:488.453px;top:532.5px;">769 </div><div id="a7525" style="position:absolute;left:521.76px;top:532.5px;">3.01 </div><div id="a7527" style="position:absolute;left:543.84px;top:532.5px;">% </div><div id="a7531" style="position:absolute;left:580.64px;top:532.5px;">102,916 </div><div id="a7535" style="position:absolute;left:650.747px;top:532.5px;">784 </div><div id="a7538" style="position:absolute;left:684.027px;top:532.5px;">3.03 </div><div id="a7540" style="position:absolute;left:706.107px;top:532.5px;">% </div><div id="a7544" style="position:absolute;left:742.947px;top:532.5px;">157,669 </div><div id="a7548" style="position:absolute;left:805.027px;top:532.5px;">1,186 </div><div id="a7551" style="position:absolute;left:846.333px;top:532.5px;">3.03 </div><div id="a7553" style="position:absolute;left:868.413px;top:532.5px;">% </div><div id="a7557" style="position:absolute;left:904.893px;top:532.5px;">271,800 </div><div id="a7561" style="position:absolute;left:967.333px;top:532.5px;">1,976 </div><div id="a7564" style="position:absolute;left:1008.613px;top:532.5px;">2.92 </div><div id="a7566" style="position:absolute;left:1030.693px;top:532.5px;">% </div><div id="a7568" style="position:absolute;left:19.2px;top:546.6px;">Total interest<div style="display:inline-block;width:2px">&#160;</div>-bearing liabilities </div><div id="a7574" style="position:absolute;font-weight:bold;left:229.507px;top:546.6px;">$ </div><div id="a7576" style="position:absolute;font-weight:bold;left:248.067px;top:546.6px;">8,682,584 </div><div id="a7579" style="position:absolute;left:295.773px;top:546.6px;">$ </div><div id="a7581" style="position:absolute;font-weight:bold;left:312.733px;top:546.6px;">12,778 </div><div id="a7584" style="position:absolute;font-weight:bold;left:359.133px;top:546.6px;">0.60 </div><div id="a7586" style="position:absolute;font-weight:bold;left:381.533px;top:546.6px;">% </div><div id="a7589" style="position:absolute;left:391.813px;top:546.6px;">$ </div><div id="a7591" style="position:absolute;left:410.373px;top:546.6px;">8,617,576 </div><div id="a7594" style="position:absolute;left:457.733px;top:546.6px;">$ </div><div id="a7596" style="position:absolute;left:475.013px;top:546.6px;">14,282 </div><div id="a7599" style="position:absolute;left:521.76px;top:546.6px;">0.66 </div><div id="a7601" style="position:absolute;left:543.84px;top:546.6px;">% </div><div id="a7604" style="position:absolute;left:554.08px;top:546.6px;">$ </div><div id="a7606" style="position:absolute;left:572.64px;top:546.6px;">8,619,955 </div><div id="a7609" style="position:absolute;left:620.027px;top:546.6px;">$ </div><div id="a7611" style="position:absolute;left:637.307px;top:546.6px;">15,404 </div><div id="a7614" style="position:absolute;left:684.027px;top:546.6px;">0.71 </div><div id="a7616" style="position:absolute;left:706.107px;top:546.6px;">% </div><div id="a7619" style="position:absolute;left:716.347px;top:546.6px;">$ </div><div id="a7621" style="position:absolute;left:734.947px;top:546.6px;">8,245,775 </div><div id="a7624" style="position:absolute;left:782.307px;top:546.6px;">$ </div><div id="a7626" style="position:absolute;left:799.587px;top:546.6px;">16,632 </div><div id="a7629" style="position:absolute;left:846.333px;top:546.6px;">0.81 </div><div id="a7631" style="position:absolute;left:868.413px;top:546.6px;">% </div><div id="a7634" style="position:absolute;left:878.653px;top:546.6px;">$ </div><div id="a7636" style="position:absolute;left:896.893px;top:546.6px;">8,024,246 </div><div id="a7639" style="position:absolute;left:944.573px;top:546.6px;">$ </div><div id="a7641" style="position:absolute;left:961.893px;top:546.6px;">18,596 </div><div id="a7644" style="position:absolute;left:1008.613px;top:546.6px;">0.93 </div><div id="a7646" style="position:absolute;left:1030.693px;top:546.6px;">% </div><div id="a7648" style="position:absolute;left:19.2px;top:561.7px;">Interest rate spread </div><div id="a7655" style="position:absolute;font-weight:bold;left:295.773px;top:561.7px;">$ </div><div id="a7657" style="position:absolute;font-weight:bold;left:312.733px;top:561.7px;">98,204 </div><div id="a7660" style="position:absolute;font-weight:bold;left:359.133px;top:561.7px;">4.21 </div><div id="a7662" style="position:absolute;font-weight:bold;left:381.533px;top:561.7px;">% </div><div id="a7668" style="position:absolute;left:457.733px;top:561.7px;">$ </div><div id="a7670" style="position:absolute;left:475.013px;top:561.7px;">98,738 </div><div id="a7673" style="position:absolute;left:521.76px;top:561.7px;">4.19 </div><div id="a7675" style="position:absolute;left:543.84px;top:561.7px;">% </div><div id="a7681" style="position:absolute;left:620.027px;top:561.7px;">$ </div><div id="a7683" style="position:absolute;left:637.307px;top:561.7px;">99,534 </div><div id="a7686" style="position:absolute;left:684.027px;top:561.7px;">4.25 </div><div id="a7688" style="position:absolute;left:706.107px;top:561.7px;">% </div><div id="a7694" style="position:absolute;left:782.307px;top:561.7px;">$ </div><div id="a7696" style="position:absolute;left:794.147px;top:561.7px;">105,060 </div><div id="a7699" style="position:absolute;left:846.333px;top:561.7px;">4.72 </div><div id="a7701" style="position:absolute;left:868.413px;top:561.7px;">% </div><div id="a7707" style="position:absolute;left:944.573px;top:561.7px;">$ </div><div id="a7709" style="position:absolute;left:956.453px;top:561.7px;">105,101 </div><div id="a7712" style="position:absolute;left:1008.613px;top:561.7px;">4.88 </div><div id="a7714" style="position:absolute;left:1030.693px;top:561.7px;">% </div><div id="a7716" style="position:absolute;left:19.2px;top:579.9px;">Net interest margin </div><div id="a7726" style="position:absolute;font-weight:bold;left:359.133px;top:579.9px;">4.26 </div><div id="a7728" style="position:absolute;font-weight:bold;left:381.533px;top:579.9px;">% </div><div id="a7737" style="position:absolute;left:521.76px;top:579.9px;">4.24 </div><div id="a7739" style="position:absolute;left:543.84px;top:579.9px;">% </div><div id="a7748" style="position:absolute;left:684.027px;top:579.9px;">4.30 </div><div id="a7750" style="position:absolute;left:706.107px;top:579.9px;">% </div><div id="a7759" style="position:absolute;left:846.333px;top:579.9px;">4.78 </div><div id="a7761" style="position:absolute;left:868.413px;top:579.9px;">% </div><div id="a7770" style="position:absolute;left:1008.613px;top:579.9px;">4.94 </div><div id="a7772" style="position:absolute;left:1030.693px;top:579.9px;">% </div><div id="a7821" style="position:absolute;font-weight:bold;left:19.2px;top:609.7px;">Core deposits: (Non-GAAP) </div><div id="a7871" style="position:absolute;left:19.2px;top:623.1px;"><div style="display:inline-block;width:9.6px">&#160;</div>Deposits </div><div id="a7920" style="position:absolute;left:19.2px;top:636.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>NOW accounts </div><div id="a7925" style="position:absolute;font-weight:bold;left:229.507px;top:636.9px;">$ </div><div id="a7927" style="position:absolute;font-weight:bold;left:248.067px;top:636.9px;">2,397,673 </div><div id="a7930" style="position:absolute;font-weight:bold;left:295.773px;top:636.9px;">$ </div><div id="a7932" style="position:absolute;font-weight:bold;left:318.173px;top:636.9px;">2,393 </div><div id="a7935" style="position:absolute;font-weight:bold;left:359.133px;top:636.9px;">0.40 </div><div id="a7937" style="position:absolute;font-weight:bold;left:381.533px;top:636.9px;">% </div><div id="a7940" style="position:absolute;left:391.813px;top:636.9px;">$ </div><div id="a7942" style="position:absolute;left:410.373px;top:636.9px;">2,344,903 </div><div id="a7945" style="position:absolute;left:457.733px;top:636.9px;">$ </div><div id="a7947" style="position:absolute;left:480.453px;top:636.9px;">2,258 </div><div id="a7950" style="position:absolute;left:521.76px;top:636.9px;">0.38 </div><div id="a7952" style="position:absolute;left:543.84px;top:636.9px;">% </div><div id="a7955" style="position:absolute;left:554.08px;top:636.9px;">$ </div><div id="a7957" style="position:absolute;left:572.64px;top:636.9px;">2,227,687 </div><div id="a7960" style="position:absolute;left:620.027px;top:636.9px;">$ </div><div id="a7962" style="position:absolute;left:642.747px;top:636.9px;">2,247 </div><div id="a7965" style="position:absolute;left:684.027px;top:636.9px;">0.40 </div><div id="a7967" style="position:absolute;left:706.107px;top:636.9px;">% </div><div id="a7970" style="position:absolute;left:716.347px;top:636.9px;">$ </div><div id="a7972" style="position:absolute;left:734.947px;top:636.9px;">2,069,247 </div><div id="a7975" style="position:absolute;left:782.307px;top:636.9px;">$ </div><div id="a7977" style="position:absolute;left:805.027px;top:636.9px;">2,138 </div><div id="a7980" style="position:absolute;left:846.333px;top:636.9px;">0.42 </div><div id="a7982" style="position:absolute;left:868.413px;top:636.9px;">% </div><div id="a7985" style="position:absolute;left:878.653px;top:636.9px;">$ </div><div id="a7987" style="position:absolute;left:896.893px;top:636.9px;">1,980,505 </div><div id="a7990" style="position:absolute;left:944.573px;top:636.9px;">$ </div><div id="a7992" style="position:absolute;left:967.333px;top:636.9px;">2,389 </div><div id="a7995" style="position:absolute;left:1008.613px;top:636.9px;">0.48 </div><div id="a7997" style="position:absolute;left:1030.693px;top:636.9px;">% </div><div id="a7999" style="position:absolute;left:19.2px;top:650.4px;"><div style="display:inline-block;width:19.2px">&#160;</div>Savings accounts </div><div id="a8005" style="position:absolute;font-weight:bold;left:248.067px;top:650.4px;">2,003,963 </div><div id="a8009" style="position:absolute;font-weight:bold;left:318.173px;top:650.4px;">2,124 </div><div id="a8012" style="position:absolute;font-weight:bold;left:359.133px;top:650.4px;">0.43 </div><div id="a8014" style="position:absolute;font-weight:bold;left:381.533px;top:650.4px;">% </div><div id="a8018" style="position:absolute;left:410.373px;top:650.4px;">1,897,618 </div><div id="a8022" style="position:absolute;left:480.453px;top:650.4px;">1,954 </div><div id="a8025" style="position:absolute;left:521.76px;top:650.4px;">0.41 </div><div id="a8027" style="position:absolute;left:543.84px;top:650.4px;">% </div><div id="a8031" style="position:absolute;left:572.64px;top:650.4px;">1,927,680 </div><div id="a8035" style="position:absolute;left:642.747px;top:650.4px;">2,010 </div><div id="a8038" style="position:absolute;left:684.027px;top:650.4px;">0.41 </div><div id="a8040" style="position:absolute;left:706.107px;top:650.4px;">% </div><div id="a8044" style="position:absolute;left:734.947px;top:650.4px;">1,809,517 </div><div id="a8048" style="position:absolute;left:805.027px;top:650.4px;">1,976 </div><div id="a8051" style="position:absolute;left:846.333px;top:650.4px;">0.44 </div><div id="a8053" style="position:absolute;left:868.413px;top:650.4px;">% </div><div id="a8057" style="position:absolute;left:896.893px;top:650.4px;">1,797,658 </div><div id="a8061" style="position:absolute;left:967.333px;top:650.4px;">2,440 </div><div id="a8064" style="position:absolute;left:1008.613px;top:650.4px;">0.55 </div><div id="a8066" style="position:absolute;left:1030.693px;top:650.4px;">% </div><div id="a8068" style="position:absolute;left:19.2px;top:664.1px;"><div style="display:inline-block;width:19.2px">&#160;</div>Time deposits </div><div id="a8074" style="position:absolute;font-weight:bold;left:248.067px;top:664.1px;">1,775,828 </div><div id="a8078" style="position:absolute;font-weight:bold;left:318.173px;top:664.1px;">5,507 </div><div id="a8081" style="position:absolute;font-weight:bold;left:359.133px;top:664.1px;">1.26 </div><div id="a8083" style="position:absolute;font-weight:bold;left:381.533px;top:664.1px;">% </div><div id="a8087" style="position:absolute;left:410.373px;top:664.1px;">1,893,070 </div><div id="a8091" style="position:absolute;left:480.453px;top:664.1px;">6,975 </div><div id="a8094" style="position:absolute;left:521.76px;top:664.1px;">1.47 </div><div id="a8096" style="position:absolute;left:543.84px;top:664.1px;">% </div><div id="a8100" style="position:absolute;left:572.64px;top:664.1px;">1,944,856 </div><div id="a8104" style="position:absolute;left:642.747px;top:664.1px;">7,512 </div><div id="a8107" style="position:absolute;left:684.027px;top:664.1px;">1.54 </div><div id="a8109" style="position:absolute;left:706.107px;top:664.1px;">% </div><div id="a8113" style="position:absolute;left:734.947px;top:664.1px;">1,990,639 </div><div id="a8117" style="position:absolute;left:805.027px;top:664.1px;">7,835 </div><div id="a8120" style="position:absolute;left:846.333px;top:664.1px;">1.58 </div><div id="a8122" style="position:absolute;left:868.413px;top:664.1px;">% </div><div id="a8126" style="position:absolute;left:896.893px;top:664.1px;">2,039,311 </div><div id="a8130" style="position:absolute;left:967.333px;top:664.1px;">8,131 </div><div id="a8133" style="position:absolute;left:1008.613px;top:664.1px;">1.60 </div><div id="a8135" style="position:absolute;left:1030.693px;top:664.1px;">% </div><div id="a8141" style="position:absolute;font-weight:bold;left:248.067px;top:678.2px;">6,177,464 </div><div id="a8145" style="position:absolute;font-weight:bold;left:312.733px;top:678.2px;">10,024 </div><div id="a8148" style="position:absolute;font-weight:bold;left:359.133px;top:678.2px;">0.66 </div><div id="a8150" style="position:absolute;font-weight:bold;left:381.533px;top:678.2px;">% </div><div id="a8154" style="position:absolute;left:410.373px;top:678.2px;">6,135,591 </div><div id="a8158" style="position:absolute;left:475.013px;top:678.2px;">11,187 </div><div id="a8161" style="position:absolute;left:521.76px;top:678.2px;">0.73 </div><div id="a8163" style="position:absolute;left:543.84px;top:678.2px;">% </div><div id="a8167" style="position:absolute;left:572.64px;top:678.2px;">6,100,223 </div><div id="a8171" style="position:absolute;left:637.307px;top:678.2px;">11,769 </div><div id="a8174" style="position:absolute;left:684.027px;top:678.2px;">0.77 </div><div id="a8176" style="position:absolute;left:706.107px;top:678.2px;">% </div><div id="a8180" style="position:absolute;left:734.947px;top:678.2px;">5,869,403 </div><div id="a8184" style="position:absolute;left:799.587px;top:678.2px;">11,949 </div><div id="a8187" style="position:absolute;left:846.333px;top:678.2px;">0.82 </div><div id="a8189" style="position:absolute;left:868.413px;top:678.2px;">% </div><div id="a8193" style="position:absolute;left:896.893px;top:678.2px;">5,817,474 </div><div id="a8197" style="position:absolute;left:961.893px;top:678.2px;">12,960 </div><div id="a8200" style="position:absolute;left:1008.613px;top:678.2px;">0.91 </div><div id="a8202" style="position:absolute;left:1030.693px;top:678.2px;">% </div><div id="a8204" style="position:absolute;left:19.2px;top:692px;"><div style="display:inline-block;width:19.2px">&#160;</div>Non-interest bearing<div style="display:inline-block;width:3.58px">&#160;</div>deposit accounts </div><div id="a8212" style="position:absolute;font-weight:bold;left:248.067px;top:692px;">2,358,214 </div><div id="a8216" style="position:absolute;font-weight:bold;left:339.293px;top:692px;">- </div><div id="a8219" style="position:absolute;font-weight:bold;left:375.133px;top:692px;">- </div><div id="a8224" style="position:absolute;left:410.373px;top:692px;">2,315,717 </div><div id="a8228" style="position:absolute;left:501.573px;top:692px;">- </div><div id="a8231" style="position:absolute;left:537.44px;top:692px;">- </div><div id="a8236" style="position:absolute;left:572.64px;top:692px;">2,276,400 </div><div id="a8240" style="position:absolute;left:663.867px;top:692px;">- </div><div id="a8243" style="position:absolute;left:699.707px;top:692px;">- </div><div id="a8248" style="position:absolute;left:734.947px;top:692px;">1,983,092 </div><div id="a8252" style="position:absolute;left:826.147px;top:692px;">- </div><div id="a8255" style="position:absolute;left:862.013px;top:692px;">- </div><div id="a8260" style="position:absolute;left:896.893px;top:692px;">1,698,964 </div><div id="a8264" style="position:absolute;left:988.453px;top:692px;">- </div><div id="a8267" style="position:absolute;left:1024.293px;top:692px;">- </div><div id="a8270" style="position:absolute;left:19.2px;top:706.4px;"><div style="display:inline-block;width:28.8px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>core deposits </div><div id="a8275" style="position:absolute;font-weight:bold;left:229.507px;top:706.4px;">$ </div><div id="a8277" style="position:absolute;font-weight:bold;left:248.067px;top:706.4px;">8,535,678 </div><div id="a8280" style="position:absolute;font-weight:bold;left:295.773px;top:706.4px;">$ </div><div id="a8282" style="position:absolute;font-weight:bold;left:312.733px;top:706.4px;">10,024 </div><div id="a8285" style="position:absolute;font-weight:bold;left:359.133px;top:706.4px;">0.48 </div><div id="a8287" style="position:absolute;font-weight:bold;left:381.533px;top:706.4px;">% </div><div id="a8290" style="position:absolute;left:391.813px;top:706.4px;">$ </div><div id="a8292" style="position:absolute;left:410.373px;top:706.4px;">8,451,308 </div><div id="a8295" style="position:absolute;left:457.733px;top:706.4px;">$ </div><div id="a8297" style="position:absolute;left:475.013px;top:706.4px;">11,187 </div><div id="a8300" style="position:absolute;left:521.76px;top:706.4px;">0.53 </div><div id="a8302" style="position:absolute;left:543.84px;top:706.4px;">% </div><div id="a8305" style="position:absolute;left:554.08px;top:706.4px;">$ </div><div id="a8307" style="position:absolute;left:572.64px;top:706.4px;">8,376,623 </div><div id="a8310" style="position:absolute;left:620.027px;top:706.4px;">$ </div><div id="a8312" style="position:absolute;left:637.307px;top:706.4px;">11,769 </div><div id="a8315" style="position:absolute;left:684.027px;top:706.4px;">0.56 </div><div id="a8317" style="position:absolute;left:706.107px;top:706.4px;">% </div><div id="a8320" style="position:absolute;left:716.347px;top:706.4px;">$ </div><div id="a8322" style="position:absolute;left:734.947px;top:706.4px;">7,852,495 </div><div id="a8325" style="position:absolute;left:782.307px;top:706.4px;">$ </div><div id="a8327" style="position:absolute;left:799.587px;top:706.4px;">11,949 </div><div id="a8330" style="position:absolute;left:846.333px;top:706.4px;">0.61 </div><div id="a8332" style="position:absolute;left:868.413px;top:706.4px;">% </div><div id="a8335" style="position:absolute;left:878.653px;top:706.4px;">$ </div><div id="a8337" style="position:absolute;left:896.893px;top:706.4px;">7,516,438 </div><div id="a8340" style="position:absolute;left:944.573px;top:706.4px;">$ </div><div id="a8342" style="position:absolute;left:961.893px;top:706.4px;">12,960 </div><div id="a8345" style="position:absolute;left:1008.613px;top:706.4px;">0.69 </div><div id="a8347" style="position:absolute;left:1030.693px;top:706.4px;">% </div><div id="a8396" style="position:absolute;left:526.56px;top:733.6px;">7 </div></div>
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<div id="a8398" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a8400" style="position:absolute;font-size:13.44px;left:19.2px;top:752px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a8402" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:64.4px;">&#160;</div></div>
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<div style="position:absolute; width:392.2px; height:16px; left:19.2px; top:946.8px; background-color:#DBEEF4;">&#160;</div>
<div style="position:absolute; width:392.2px; height:16px; left:19.2px; top:850.8px; background-color:#DBEEF4;">&#160;</div>
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<div id="a8403" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a8405" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a8407" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a8426" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:84.8px;">Table 6-1: Loan Information and Performance Statistics (1) </div><div id="a8437" style="position:absolute;font-weight:bold;left:436.32px;top:101.7px;">2021 </div><div id="a8440" style="position:absolute;left:513.467px;top:101.7px;">2020 </div><div id="a8443" style="position:absolute;left:604.387px;top:101.7px;">2020 </div><div id="a8446" style="position:absolute;left:681.533px;top:101.7px;">2020 </div><div id="a8449" style="position:absolute;left:758.373px;top:101.7px;">2020 </div><div id="a8452" style="position:absolute;font-weight:bold;left:19.2px;top:116.4px;">(Dollars in thousands) (unaudited) </div><div id="a8456" style="position:absolute;font-weight:bold;left:440.8px;top:117.7px;">Q1 </div><div id="a8459" style="position:absolute;left:518.267px;top:117.7px;">Q4 </div><div id="a8462" style="position:absolute;left:609.187px;top:117.7px;">Q3 </div><div id="a8465" style="position:absolute;left:686.333px;top:117.7px;">Q2 </div><div id="a8468" style="position:absolute;left:763.173px;top:117.7px;">Q1 </div><div id="a8471" style="position:absolute;font-weight:bold;left:19.2px;top:133.7px;">Net Charge-offs </div><div id="a8475" style="position:absolute;font-size:8px;left:390.88px;top:136.7px;">(21) </div><div id="a8493" style="position:absolute;font-weight:bold;left:19.2px;top:149.7px;">Non-PCD </div><div id="a8514" style="position:absolute;left:19.2px;top:165.7px;">Mortgage: </div><div id="a8533" style="position:absolute;left:19.2px;top:181.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a8540" style="position:absolute;font-weight:bold;left:411.36px;top:181.7px;">$ </div><div id="a8542" style="position:absolute;font-weight:bold;left:463.84px;top:181.7px;">787 </div><div id="a8545" style="position:absolute;left:488.507px;top:181.7px;">$ </div><div id="a8547" style="position:absolute;left:540.987px;top:181.7px;">225 </div><div id="a8550" style="position:absolute;left:579.427px;top:181.7px;">$ </div><div id="a8552" style="position:absolute;left:637.347px;top:181.7px;">56 </div><div id="a8555" style="position:absolute;left:656.573px;top:181.7px;">$ </div><div id="a8557" style="position:absolute;left:709.053px;top:181.7px;">185 </div><div id="a8560" style="position:absolute;left:733.373px;top:181.7px;">$ </div><div id="a8562" style="position:absolute;left:786.213px;top:181.7px;">418 </div><div id="a8565" style="position:absolute;left:19.2px;top:197.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a8571" style="position:absolute;font-weight:bold;left:460.64px;top:197.7px;">(615) </div><div id="a8575" style="position:absolute;left:543.227px;top:197.7px;">(79) </div><div id="a8579" style="position:absolute;left:628.707px;top:197.7px;">(269) </div><div id="a8583" style="position:absolute;left:716.733px;top:197.7px;">(9) </div><div id="a8587" style="position:absolute;left:783.013px;top:197.7px;">(249) </div><div id="a8590" style="position:absolute;left:19.2px;top:213.7px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.97px">&#160;</div>mortgage </div><div id="a8596" style="position:absolute;font-weight:bold;left:463.84px;top:213.7px;">173 </div><div id="a8600" style="position:absolute;left:540.987px;top:213.7px;">146 </div><div id="a8604" style="position:absolute;left:628.707px;top:213.7px;">(213) </div><div id="a8608" style="position:absolute;left:709.053px;top:213.7px;">176 </div><div id="a8612" style="position:absolute;left:786.213px;top:213.7px;">169 </div><div id="a8615" style="position:absolute;left:19.2px;top:229.7px;">Commercial: </div><div id="a8634" style="position:absolute;left:19.2px;top:245.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a8642" style="position:absolute;font-weight:bold;left:469.28px;top:245.7px;">68 </div><div id="a8646" style="position:absolute;left:540.987px;top:245.7px;">413 </div><div id="a8650" style="position:absolute;left:631.907px;top:245.7px;">298 </div><div id="a8654" style="position:absolute;left:709.053px;top:245.7px;">497 </div><div id="a8658" style="position:absolute;left:778.213px;top:245.7px;">3,771 </div><div id="a8661" style="position:absolute;left:19.2px;top:261.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a8667" style="position:absolute;font-weight:bold;left:460.64px;top:261.7px;">(430) </div><div id="a8671" style="position:absolute;left:537.787px;top:261.7px;">(334) </div><div id="a8675" style="position:absolute;left:628.707px;top:261.7px;">(253) </div><div id="a8679" style="position:absolute;left:705.853px;top:261.7px;">(631) </div><div id="a8683" style="position:absolute;left:775.013px;top:261.7px;">(1,522) </div><div id="a8686" style="position:absolute;left:19.2px;top:277.7px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>commercial </div><div id="a8692" style="position:absolute;font-weight:bold;left:460.64px;top:277.7px;">(363) </div><div id="a8696" style="position:absolute;left:546.427px;top:277.7px;">79 </div><div id="a8700" style="position:absolute;left:637.347px;top:277.7px;">45 </div><div id="a8704" style="position:absolute;left:705.853px;top:277.7px;">(134) </div><div id="a8708" style="position:absolute;left:778.213px;top:277.7px;">2,249 </div><div id="a8711" style="position:absolute;left:19.2px;top:293.7px;">Consumer: </div><div id="a8730" style="position:absolute;left:19.2px;top:309.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a8738" style="position:absolute;font-weight:bold;left:455.84px;top:309.7px;">4,469 </div><div id="a8742" style="position:absolute;left:532.987px;top:309.7px;">6,456 </div><div id="a8746" style="position:absolute;left:623.907px;top:309.7px;">5,114 </div><div id="a8750" style="position:absolute;left:701.053px;top:309.7px;">4,187 </div><div id="a8754" style="position:absolute;left:778.213px;top:309.7px;">6,015 </div><div id="a8757" style="position:absolute;left:19.2px;top:325.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a8763" style="position:absolute;font-weight:bold;left:460.64px;top:325.7px;">(565) </div><div id="a8767" style="position:absolute;left:529.787px;top:325.7px;">(1,832) </div><div id="a8771" style="position:absolute;left:628.707px;top:325.7px;">(663) </div><div id="a8775" style="position:absolute;left:705.853px;top:325.7px;">(443) </div><div id="a8779" style="position:absolute;left:783.013px;top:325.7px;">(644) </div><div id="a8782" style="position:absolute;left:19.2px;top:341.7px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>consumer </div><div id="a8788" style="position:absolute;font-weight:bold;left:455.84px;top:341.7px;">3,903 </div><div id="a8792" style="position:absolute;left:532.987px;top:341.7px;">4,624 </div><div id="a8796" style="position:absolute;left:623.907px;top:341.7px;">4,451 </div><div id="a8800" style="position:absolute;left:701.053px;top:341.7px;">3,744 </div><div id="a8804" style="position:absolute;left:778.213px;top:341.7px;">5,371 </div><div id="a8807" style="position:absolute;left:19.2px;top:357.7px;">Auto: </div><div id="a8826" style="position:absolute;left:19.2px;top:373.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a8834" style="position:absolute;font-weight:bold;left:455.84px;top:373.7px;">9,083 </div><div id="a8838" style="position:absolute;left:527.547px;top:373.7px;">12,071 </div><div id="a8842" style="position:absolute;left:618.467px;top:373.7px;">10,123 </div><div id="a8846" style="position:absolute;left:695.613px;top:373.7px;">13,300 </div><div id="a8850" style="position:absolute;left:772.773px;top:373.7px;">13,053 </div><div id="a8853" style="position:absolute;left:19.2px;top:389.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a8859" style="position:absolute;font-weight:bold;left:452.32px;top:389.8px;">(5,817) </div><div id="a8863" style="position:absolute;left:529.787px;top:389.8px;">(5,928) </div><div id="a8867" style="position:absolute;left:620.707px;top:389.8px;">(5,950) </div><div id="a8871" style="position:absolute;left:697.853px;top:389.8px;">(3,405) </div><div id="a8875" style="position:absolute;left:775.013px;top:389.8px;">(4,211) </div><div id="a8878" style="position:absolute;left:19.2px;top:405.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>auto </div><div id="a8884" style="position:absolute;font-weight:bold;left:455.84px;top:405.8px;">3,266 </div><div id="a8888" style="position:absolute;left:532.987px;top:405.8px;">6,143 </div><div id="a8892" style="position:absolute;left:623.907px;top:405.8px;">4,173 </div><div id="a8896" style="position:absolute;left:701.053px;top:405.8px;">9,895 </div><div id="a8900" style="position:absolute;left:778.213px;top:405.8px;">8,842 </div><div id="a8903" style="position:absolute;left:19.2px;top:421.8px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total </div><div id="a8908" style="position:absolute;font-weight:bold;left:411.36px;top:421.8px;">$ </div><div id="a8910" style="position:absolute;font-weight:bold;left:455.84px;top:421.8px;">6,980 </div><div id="a8913" style="position:absolute;left:488.507px;top:421.8px;">$ </div><div id="a8915" style="position:absolute;left:527.547px;top:421.8px;">10,992 </div><div id="a8918" style="position:absolute;left:579.427px;top:421.8px;">$ </div><div id="a8920" style="position:absolute;left:623.907px;top:421.8px;">8,456 </div><div id="a8923" style="position:absolute;left:656.573px;top:421.8px;">$ </div><div id="a8925" style="position:absolute;left:695.613px;top:421.8px;">13,681 </div><div id="a8928" style="position:absolute;left:733.373px;top:421.8px;">$ </div><div id="a8930" style="position:absolute;left:772.773px;top:421.8px;">16,631 </div><div id="a8951" style="position:absolute;font-weight:bold;left:19.2px;top:453.8px;">PCD </div><div id="a8970" style="position:absolute;left:19.2px;top:469.8px;">Mortgage: </div><div id="a8989" style="position:absolute;left:19.2px;top:485.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a8996" style="position:absolute;font-weight:bold;left:411.36px;top:485.8px;">$ </div><div id="a8998" style="position:absolute;font-weight:bold;left:455.84px;top:485.8px;">2,590 </div><div id="a9001" style="position:absolute;left:488.507px;top:485.8px;">$ </div><div id="a9003" style="position:absolute;left:532.987px;top:485.8px;">1,344 </div><div id="a9006" style="position:absolute;left:579.427px;top:485.8px;">$ </div><div id="a9008" style="position:absolute;left:623.907px;top:485.8px;">1,677 </div><div id="a9011" style="position:absolute;left:656.573px;top:485.8px;">$ </div><div id="a9013" style="position:absolute;left:701.053px;top:485.8px;">2,178 </div><div id="a9016" style="position:absolute;left:733.373px;top:485.8px;">$ </div><div id="a9018" style="position:absolute;left:778.213px;top:485.8px;">5,143 </div><div id="a9021" style="position:absolute;left:19.2px;top:501.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a9027" style="position:absolute;font-weight:bold;left:460.64px;top:501.8px;">(146) </div><div id="a9031" style="position:absolute;left:543.227px;top:501.8px;">(63) </div><div id="a9035" style="position:absolute;left:634.147px;top:501.8px;">(89) </div><div id="a9039" style="position:absolute;left:705.853px;top:501.8px;">(580) </div><div id="a9043" style="position:absolute;left:783.013px;top:501.8px;">(122) </div><div id="a9046" style="position:absolute;left:19.2px;top:517.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.97px">&#160;</div>mortgage </div><div id="a9052" style="position:absolute;font-weight:bold;left:455.84px;top:517.8px;">2,444 </div><div id="a9056" style="position:absolute;left:532.987px;top:517.8px;">1,281 </div><div id="a9060" style="position:absolute;left:623.907px;top:517.8px;">1,588 </div><div id="a9064" style="position:absolute;left:701.053px;top:517.8px;">1,598 </div><div id="a9068" style="position:absolute;left:778.213px;top:517.8px;">5,021 </div><div id="a9071" style="position:absolute;left:19.2px;top:533.8px;">Commercial: </div><div id="a9090" style="position:absolute;left:19.2px;top:549.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a9098" style="position:absolute;font-weight:bold;left:469.28px;top:549.8px;">43 </div><div id="a9102" style="position:absolute;left:527.547px;top:549.8px;">33,061 </div><div id="a9104" style="position:absolute;font-size:8px;left:560.507px;top:552.9px;">(a) </div><div id="a9107" style="position:absolute;left:631.907px;top:549.8px;">293 </div><div id="a9111" style="position:absolute;left:709.053px;top:549.8px;">386 </div><div id="a9115" style="position:absolute;left:778.213px;top:549.8px;">2,357 </div><div id="a9118" style="position:absolute;left:19.2px;top:565.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a9124" style="position:absolute;font-weight:bold;left:460.64px;top:565.8px;">(436) </div><div id="a9128" style="position:absolute;left:537.787px;top:565.8px;">(234) </div><div id="a9132" style="position:absolute;left:634.147px;top:565.8px;">(91) </div><div id="a9136" style="position:absolute;left:705.853px;top:565.8px;">(286) </div><div id="a9140" style="position:absolute;left:783.013px;top:565.8px;">(375) </div><div id="a9143" style="position:absolute;left:19.2px;top:581.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>commercial </div><div id="a9149" style="position:absolute;font-weight:bold;left:460.64px;top:581.8px;">(393) </div><div id="a9153" style="position:absolute;left:527.547px;top:581.8px;">32,827 </div><div id="a9157" style="position:absolute;left:631.907px;top:581.8px;">202 </div><div id="a9161" style="position:absolute;left:709.053px;top:581.8px;">100 </div><div id="a9165" style="position:absolute;left:778.213px;top:581.8px;">1,982 </div><div id="a9168" style="position:absolute;left:19.2px;top:597.8px;">Consumer: </div><div id="a9187" style="position:absolute;left:19.2px;top:613.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a9195" style="position:absolute;font-weight:bold;left:469.28px;top:613.8px;">22 </div><div id="a9199" style="position:absolute;left:546.427px;top:613.8px;">21 </div><div id="a9203" style="position:absolute;left:637.347px;top:613.8px;">60 </div><div id="a9207" style="position:absolute;left:714.493px;top:613.8px;">30 </div><div id="a9211" style="position:absolute;left:786.213px;top:613.8px;">431 </div><div id="a9214" style="position:absolute;left:19.2px;top:629.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a9220" style="position:absolute;font-weight:bold;left:465.76px;top:629.8px;">(21) </div><div id="a9224" style="position:absolute;left:537.787px;top:629.8px;">(200) </div><div id="a9228" style="position:absolute;left:642.787px;top:629.8px;">1 </div><div id="a9232" style="position:absolute;left:711.293px;top:629.8px;">(30) </div><div id="a9236" style="position:absolute;left:788.453px;top:629.8px;">(63) </div><div id="a9239" style="position:absolute;left:19.2px;top:645.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>consumer </div><div id="a9245" style="position:absolute;font-weight:bold;left:474.72px;top:645.8px;">1 </div><div id="a9249" style="position:absolute;left:537.787px;top:645.8px;">(179) </div><div id="a9253" style="position:absolute;left:637.347px;top:645.8px;">61 </div><div id="a9257" style="position:absolute;left:722.173px;top:645.8px;">- </div><div id="a9261" style="position:absolute;left:786.213px;top:645.8px;">368 </div><div id="a9264" style="position:absolute;left:19.2px;top:661.8px;">Auto: </div><div id="a9283" style="position:absolute;left:19.2px;top:677.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Charge-offs </div><div id="a9291" style="position:absolute;font-weight:bold;left:463.84px;top:677.8px;">456 </div><div id="a9295" style="position:absolute;left:540.987px;top:677.8px;">574 </div><div id="a9299" style="position:absolute;left:631.907px;top:677.8px;">474 </div><div id="a9303" style="position:absolute;left:709.053px;top:677.8px;">600 </div><div id="a9307" style="position:absolute;left:786.213px;top:677.8px;">375 </div><div id="a9310" style="position:absolute;left:19.2px;top:693.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Recoveries </div><div id="a9316" style="position:absolute;font-weight:bold;left:460.64px;top:693.8px;">(383) </div><div id="a9320" style="position:absolute;left:537.787px;top:693.8px;">(681) </div><div id="a9324" style="position:absolute;left:628.707px;top:693.8px;">(211) </div><div id="a9328" style="position:absolute;left:705.853px;top:693.8px;">(229) </div><div id="a9332" style="position:absolute;left:783.013px;top:693.8px;">(343) </div><div id="a9335" style="position:absolute;left:19.2px;top:709.8px;"><div style="display:inline-block;width:14.08px">&#160;</div>Total<div style="display:inline-block;width:3.65px">&#160;</div>auto </div><div id="a9341" style="position:absolute;font-weight:bold;left:469.28px;top:709.8px;">73 </div><div id="a9345" style="position:absolute;left:537.787px;top:709.8px;">(107) </div><div id="a9349" style="position:absolute;left:631.907px;top:709.8px;">263 </div><div id="a9353" style="position:absolute;left:709.053px;top:709.8px;">371 </div><div id="a9357" style="position:absolute;left:791.653px;top:709.8px;">32 </div><div id="a9360" style="position:absolute;left:19.2px;top:725.9px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total </div><div id="a9365" style="position:absolute;font-weight:bold;left:411.36px;top:725.9px;">$ </div><div id="a9367" style="position:absolute;font-weight:bold;left:455.84px;top:725.9px;">2,125 </div><div id="a9370" style="position:absolute;left:488.507px;top:725.9px;">$ </div><div id="a9372" style="position:absolute;left:527.547px;top:725.9px;">33,822 </div><div id="a9374" style="position:absolute;font-size:8px;left:560.507px;top:728.9px;"><div style="display:inline-block;width:1.96px">&#160;</div>(a)<div style="display:inline-block;width:1.56px">&#160;</div></div><div id="a9377" style="position:absolute;left:579.427px;top:725.9px;"><div style="display:inline-block;width:2.24px">&#160;</div>$<div style="display:inline-block;width:2.65px">&#160;</div></div><div id="a9380" style="position:absolute;left:623.907px;top:725.9px;">2,114 </div><div id="a9383" style="position:absolute;left:656.573px;top:725.9px;"><div style="display:inline-block;width:2.24px">&#160;</div>$<div style="display:inline-block;width:2.65px">&#160;</div></div><div id="a9386" style="position:absolute;left:701.053px;top:725.9px;">2,069 </div><div id="a9389" style="position:absolute;left:733.373px;top:725.9px;"><div style="display:inline-block;width:2.28px">&#160;</div>$<div style="display:inline-block;width:2.65px">&#160;</div></div><div id="a9392" style="position:absolute;left:778.213px;top:725.9px;">7,403 </div><div id="a9413" style="position:absolute;font-weight:bold;left:19.2px;top:757.9px;">Total Net<div style="display:inline-block;width:3.59px">&#160;</div>Charge-offs </div><div id="a9419" style="position:absolute;font-weight:bold;left:411.36px;top:757.9px;">$ </div><div id="a9421" style="position:absolute;font-weight:bold;left:455.84px;top:757.9px;">9,105 </div><div id="a9424" style="position:absolute;left:488.507px;top:757.9px;">$ </div><div id="a9426" style="position:absolute;left:527.547px;top:757.9px;">44,814 </div><div id="a9429" style="position:absolute;left:579.427px;top:757.9px;">$ </div><div id="a9431" style="position:absolute;left:618.467px;top:757.9px;">10,570 </div><div id="a9434" style="position:absolute;left:656.573px;top:757.9px;">$ </div><div id="a9436" style="position:absolute;left:695.613px;top:757.9px;">15,750 </div><div id="a9439" style="position:absolute;left:733.373px;top:757.9px;">$ </div><div id="a9441" style="position:absolute;left:772.773px;top:757.9px;">24,034 </div><div id="a9444" style="position:absolute;font-weight:bold;left:19.2px;top:773.9px;">Net Charge-off Rates </div><div id="a9448" style="position:absolute;font-size:8px;left:390.88px;top:776.9px;">(21) </div><div id="a9466" style="position:absolute;left:19.2px;top:789.9px;">Mortgage </div><div id="a9471" style="position:absolute;font-weight:bold;left:456.48px;top:789.9px;">0.47% </div><div id="a9475" style="position:absolute;left:533.947px;top:789.9px;">0.25% </div><div id="a9479" style="position:absolute;left:624.867px;top:789.9px;">0.24% </div><div id="a9483" style="position:absolute;left:702.013px;top:789.9px;">0.30% </div><div id="a9487" style="position:absolute;left:779.173px;top:789.9px;">0.86% </div><div id="a9490" style="position:absolute;left:19.2px;top:805.9px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a9495" style="position:absolute;font-weight:bold;left:453.28px;top:805.9px;">-0.13% </div><div id="a9500" style="position:absolute;left:533.947px;top:805.9px;">5.45% </div><div id="a9502" style="position:absolute;font-size:8px;left:560.507px;top:808.9px;">(a) </div><div id="a9505" style="position:absolute;left:624.867px;top:805.9px;">0.04% </div><div id="a9509" style="position:absolute;left:698.813px;top:805.9px;">-0.01% </div><div id="a9514" style="position:absolute;left:779.173px;top:805.9px;">0.76% </div><div id="a9517" style="position:absolute;left:19.2px;top:821.9px;">Consumer </div><div id="a9522" style="position:absolute;font-weight:bold;left:456.48px;top:821.9px;">3.78% </div><div id="a9526" style="position:absolute;left:533.947px;top:821.9px;">4.09% </div><div id="a9530" style="position:absolute;left:624.867px;top:821.9px;">3.94% </div><div id="a9534" style="position:absolute;left:702.013px;top:821.9px;">3.12% </div><div id="a9538" style="position:absolute;left:779.173px;top:821.9px;">4.63% </div><div id="a9541" style="position:absolute;left:19.2px;top:837.9px;">Auto </div><div id="a9546" style="position:absolute;font-weight:bold;left:456.48px;top:837.9px;">0.85% </div><div id="a9550" style="position:absolute;left:533.947px;top:837.9px;">1.56% </div><div id="a9554" style="position:absolute;left:624.867px;top:837.9px;">1.17% </div><div id="a9558" style="position:absolute;left:702.013px;top:837.9px;">2.72% </div><div id="a9562" style="position:absolute;left:779.173px;top:837.9px;">2.31% </div><div id="a9565" style="position:absolute;left:19.2px;top:853.9px;"><div style="display:inline-block;width:24.03px">&#160;</div>Total </div><div id="a9571" style="position:absolute;font-weight:bold;left:456.48px;top:853.9px;">0.55% </div><div id="a9575" style="position:absolute;left:533.947px;top:853.9px;">2.67% </div><div id="a9577" style="position:absolute;font-size:8px;left:560.507px;top:857px;">(a) </div><div id="a9580" style="position:absolute;left:624.867px;top:853.9px;">0.62% </div><div id="a9584" style="position:absolute;left:702.013px;top:853.9px;">0.92% </div><div id="a9588" style="position:absolute;left:779.173px;top:853.9px;">1.44% </div><div id="a9591" style="position:absolute;font-weight:bold;left:19.2px;top:869.9px;">Average Loans Held<div style="display:inline-block;width:3.73px">&#160;</div>For Investment </div><div id="a9593" style="position:absolute;font-size:8px;left:390.88px;top:873px;">(21) </div><div id="a9611" style="position:absolute;left:19.2px;top:885.9px;">Mortgage </div><div id="a9615" style="position:absolute;font-weight:bold;left:411.36px;top:885.9px;">$ </div><div id="a9617" style="position:absolute;font-weight:bold;left:436.96px;top:885.9px;">2,243,303 </div><div id="a9620" style="position:absolute;left:488.507px;top:885.9px;">$ </div><div id="a9622" style="position:absolute;left:514.107px;top:885.9px;">2,305,495 </div><div id="a9625" style="position:absolute;left:579.427px;top:885.9px;">$ </div><div id="a9627" style="position:absolute;left:605.027px;top:885.9px;">2,325,756 </div><div id="a9630" style="position:absolute;left:656.573px;top:885.9px;">$ </div><div id="a9632" style="position:absolute;left:682.173px;top:885.9px;">2,366,600 </div><div id="a9635" style="position:absolute;left:733.373px;top:885.9px;">$ </div><div id="a9637" style="position:absolute;left:759.333px;top:885.9px;">2,414,685 </div><div id="a9640" style="position:absolute;left:19.2px;top:901.9px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a9645" style="position:absolute;font-weight:bold;left:436.96px;top:901.9px;">2,405,419 </div><div id="a9649" style="position:absolute;left:514.107px;top:901.9px;">2,416,703 </div><div id="a9653" style="position:absolute;left:605.027px;top:901.9px;">2,484,977 </div><div id="a9657" style="position:absolute;left:682.173px;top:901.9px;">2,484,573 </div><div id="a9661" style="position:absolute;left:759.333px;top:901.9px;">2,239,684 </div><div id="a9664" style="position:absolute;left:19.2px;top:917.9px;">Consumer </div><div id="a9669" style="position:absolute;font-weight:bold;left:444.96px;top:917.9px;">413,191 </div><div id="a9673" style="position:absolute;left:522.107px;top:917.9px;">434,565 </div><div id="a9677" style="position:absolute;left:613.027px;top:917.9px;">457,620 </div><div id="a9681" style="position:absolute;left:690.173px;top:917.9px;">479,957 </div><div id="a9685" style="position:absolute;left:767.333px;top:917.9px;">496,313 </div><div id="a9688" style="position:absolute;left:19.2px;top:933.9px;">Auto </div><div id="a9693" style="position:absolute;font-weight:bold;left:436.96px;top:933.9px;">1,573,995 </div><div id="a9697" style="position:absolute;left:514.107px;top:933.9px;">1,551,521 </div><div id="a9701" style="position:absolute;left:605.027px;top:933.9px;">1,518,669 </div><div id="a9705" style="position:absolute;left:682.173px;top:933.9px;">1,509,521 </div><div id="a9709" style="position:absolute;left:759.333px;top:933.9px;">1,537,193 </div><div id="a9712" style="position:absolute;left:19.2px;top:949.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a9717" style="position:absolute;font-weight:bold;left:411.36px;top:949.9px;">$ </div><div id="a9719" style="position:absolute;font-weight:bold;left:436.96px;top:949.9px;">6,635,908 </div><div id="a9722" style="position:absolute;left:488.507px;top:949.9px;">$ </div><div id="a9724" style="position:absolute;left:514.107px;top:949.9px;">6,708,284 </div><div id="a9727" style="position:absolute;left:579.427px;top:949.9px;">$ </div><div id="a9729" style="position:absolute;left:605.027px;top:949.9px;">6,787,022 </div><div id="a9732" style="position:absolute;left:656.573px;top:949.9px;">$ </div><div id="a9734" style="position:absolute;left:682.173px;top:949.9px;">6,840,651 </div><div id="a9737" style="position:absolute;left:733.373px;top:949.9px;">$ </div><div id="a9739" style="position:absolute;left:759.333px;top:949.9px;">6,687,875 </div><div id="a9760" style="position:absolute;left:19.2px;top:977.4px;">(a) During 4Q 2020, the Company<div style="display:inline-block;width:3.6px">&#160;</div>charged-off $31.2 million<div style="display:inline-block;width:4.21px">&#160;</div>for two commercial<div style="display:inline-block;width:4.13px">&#160;</div>PCD loans. </div></div>
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<div id="a9764" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a9766" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a9786" style="position:absolute;left:409.44px;top:77px;">8 </div><div id="a9789" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:90px;"><div style="display:inline-block;width:3.84px">&#160;</div></div></div>
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<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:284.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:284.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:284.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:284.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:284.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:282.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:282.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:282.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:282.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:282.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:200.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:200.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:200.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:200.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:200.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:198.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:198.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:198.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:198.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:198.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:726.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:726.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:726.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:726.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:726.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:642.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:642.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:642.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:642.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:642.7px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:602.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:602.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:602.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:602.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:602.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:517.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:517.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:517.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:517.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:517.9px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:463.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:463.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:463.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:463.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:463.5px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:393.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:393.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:393.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:393.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:393.1px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:268.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:268.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:268.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:268.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:268.2px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:709.7px; top:184.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:634.8px; top:184.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1px; left:560.8px; top:184.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:486.6px; top:184.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1px; left:411.7px; top:184.4px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:391.2px; height:1.3px; left:16.6px; top:298px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:391.2px; height:1.3px; left:16.6px; top:213.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:391.2px; height:1.3px; left:16.6px; top:198.8px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:391.2px; height:1.3px; left:16.6px; top:130px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:709.7px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:634.8px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:69.8px; height:1.3px; left:560.8px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:486.6px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:70.1px; height:1.3px; left:411.7px; top:115.6px; background-color:#000000;">&#160;</div>
<div style="position:absolute; width:391.2px; height:1.3px; left:16.6px; top:115.6px; background-color:#000000;">&#160;</div>
<div id="a9791" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a9793" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a9795" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">Table 6-2: Loan Information and Performance Statistics (Excludes PCD Loans) (1) </div><div id="a9800" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:84.8px;">OFG Bancorp (NYSE: OFG) </div><div id="a9804" style="position:absolute;font-weight:bold;left:435.68px;top:88.2px;">2021 </div><div id="a9807" style="position:absolute;left:510.907px;top:88.2px;">2020 </div><div id="a9810" style="position:absolute;left:584.867px;top:88.2px;">2020 </div><div id="a9813" style="position:absolute;left:658.813px;top:88.2px;">2020 </div><div id="a9816" 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style="position:absolute;font-weight:bold;left:446.24px;top:131.4px;">17,350 </div><div id="a9869" style="position:absolute;left:489.467px;top:131.4px;">$ </div><div id="a9871" style="position:absolute;left:521.147px;top:131.4px;">22,339 </div><div id="a9874" style="position:absolute;left:563.427px;top:131.4px;">$ </div><div id="a9876" style="position:absolute;left:595.107px;top:131.4px;">16,783 </div><div id="a9879" style="position:absolute;left:637.347px;top:131.4px;">$ </div><div id="a9881" style="position:absolute;left:669.053px;top:131.4px;">15,665 </div><div id="a9884" style="position:absolute;left:712.573px;top:131.4px;">$ </div><div id="a9886" style="position:absolute;left:744.293px;top:131.4px;">20,518 </div><div id="a9889" style="position:absolute;left:19.2px;top:144.2px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a9894" style="position:absolute;font-weight:bold;left:451.68px;top:144.2px;">3,911 </div><div id="a9898" style="position:absolute;left:526.587px;top:144.2px;">8,043 </div><div id="a9902" style="position:absolute;left:600.547px;top:144.2px;">5,151 </div><div id="a9906" style="position:absolute;left:674.493px;top:144.2px;">7,704 </div><div id="a9910" style="position:absolute;left:749.733px;top:144.2px;">6,074 </div><div id="a9913" style="position:absolute;left:19.2px;top:157.7px;">Consumer </div><div id="a9918" style="position:absolute;font-weight:bold;left:451.68px;top:157.7px;">8,250 </div><div id="a9922" style="position:absolute;left:521.147px;top:157.7px;">12,230 </div><div id="a9926" style="position:absolute;left:595.107px;top:157.7px;">12,032 </div><div id="a9930" style="position:absolute;left:669.053px;top:157.7px;">18,254 </div><div id="a9934" style="position:absolute;left:744.293px;top:157.7px;">13,127 </div><div id="a9937" style="position:absolute;left:19.2px;top:171.5px;">Auto </div><div id="a9942" style="position:absolute;font-weight:bold;left:446.24px;top:171.5px;">75,449 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style="position:absolute;left:750.693px;top:215.3px;">2.31% </div><div id="a10037" style="position:absolute;left:19.2px;top:228.1px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a10042" style="position:absolute;font-weight:bold;left:452.32px;top:228.1px;">0.21% </div><div id="a10046" style="position:absolute;left:527.547px;top:228.1px;">0.44% </div><div id="a10050" style="position:absolute;left:601.507px;top:228.1px;">0.29% </div><div id="a10054" style="position:absolute;left:675.453px;top:228.1px;">0.40% </div><div id="a10058" style="position:absolute;left:750.693px;top:228.1px;">0.32% </div><div id="a10061" style="position:absolute;left:19.2px;top:241.9px;">Consumer </div><div id="a10066" style="position:absolute;font-weight:bold;left:452.32px;top:241.9px;">2.09% </div><div id="a10070" style="position:absolute;left:527.547px;top:241.9px;">2.96% </div><div id="a10074" style="position:absolute;left:601.507px;top:241.9px;">2.77% </div><div id="a10078" style="position:absolute;left:675.453px;top:241.9px;">3.98% </div><div id="a10082" style="position:absolute;left:750.693px;top:241.9px;">2.73% </div><div id="a10085" style="position:absolute;left:19.2px;top:255.3px;">Auto </div><div id="a10090" style="position:absolute;font-weight:bold;left:452.32px;top:255.3px;">4.82% </div><div id="a10094" style="position:absolute;left:527.547px;top:255.3px;">5.76% </div><div id="a10098" style="position:absolute;left:601.507px;top:255.3px;">5.81% </div><div id="a10102" style="position:absolute;left:675.453px;top:255.3px;">6.17% </div><div id="a10106" style="position:absolute;left:750.693px;top:255.3px;">7.46% </div><div id="a10109" style="position:absolute;left:19.2px;top:269.7px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a10115" style="position:absolute;font-weight:bold;left:452.32px;top:269.7px;">2.15% </div><div id="a10119" style="position:absolute;left:527.547px;top:269.7px;">2.68% </div><div id="a10123" style="position:absolute;left:601.507px;top:269.7px;">2.50% </div><div id="a10127" style="position:absolute;left:675.453px;top:269.7px;">2.64% </div><div id="a10131" style="position:absolute;left:750.693px;top:269.7px;">3.16% </div><div id="a10134" style="position:absolute;font-weight:bold;left:19.2px;top:285.7px;">Total Delinquency<div style="display:inline-block;width:3.93px">&#160;</div>(30 days and over past<div style="display:inline-block;width:3.9px">&#160;</div>due) </div><div id="a10153" style="position:absolute;left:19.2px;top:299.5px;">Mortgage: </div><div id="a10172" style="position:absolute;left:19.2px;top:312.3px;"><div style="display:inline-block;width:9.28px">&#160;</div>Traditional,<div style="display:inline-block;width:3.98px">&#160;</div>Non traditional, and Loans<div style="display:inline-block;width:3.9px">&#160;</div>under Loss Mitigation </div><div id="a10177" style="position:absolute;font-weight:bold;left:414.24px;top:312.3px;">$ </div><div id="a10179" style="position:absolute;font-weight:bold;left:446.24px;top:312.3px;">62,827 </div><div id="a10182" style="position:absolute;left:489.467px;top:312.3px;">$ </div><div id="a10184" style="position:absolute;left:521.147px;top:312.3px;">67,671 </div><div id="a10187" style="position:absolute;left:563.427px;top:312.3px;">$ </div><div id="a10189" style="position:absolute;left:595.107px;top:312.3px;">51,123 </div><div id="a10192" style="position:absolute;left:637.347px;top:312.3px;">$ </div><div id="a10194" style="position:absolute;left:669.053px;top:312.3px;">40,719 </div><div id="a10197" style="position:absolute;left:712.573px;top:312.3px;">$ </div><div id="a10199" style="position:absolute;left:744.293px;top:312.3px;">46,768 </div><div id="a10202" style="position:absolute;left:19.2px;top:325.7px;"><div style="display:inline-block;width:9.28px">&#160;</div>GNMA&apos;s buy-back option program </div><div id="a10210" style="position:absolute;font-weight:bold;left:446.24px;top:325.7px;">40,777 </div><div id="a10214" style="position:absolute;left:521.147px;top:325.7px;">56,193 </div><div id="a10218" style="position:absolute;left:595.107px;top:325.7px;">62,651 </div><div id="a10222" style="position:absolute;left:669.053px;top:325.7px;">75,091 </div><div id="a10226" style="position:absolute;left:744.293px;top:325.7px;">75,314 </div><div id="a10229" style="position:absolute;left:19.2px;top:339.5px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total mortgage </div><div id="a10235" style="position:absolute;font-weight:bold;left:440.8px;top:339.5px;">103,604 </div><div id="a10239" style="position:absolute;left:515.707px;top:339.5px;">123,864 </div><div id="a10243" style="position:absolute;left:589.667px;top:339.5px;">113,774 </div><div id="a10247" style="position:absolute;left:663.613px;top:339.5px;">115,810 </div><div id="a10251" style="position:absolute;left:738.853px;top:339.5px;">122,082 </div><div id="a10254" style="position:absolute;left:19.2px;top:352.9px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a10259" style="position:absolute;font-weight:bold;left:446.24px;top:352.9px;">26,065 </div><div id="a10263" style="position:absolute;left:521.147px;top:352.9px;">30,604 </div><div id="a10267" style="position:absolute;left:595.107px;top:352.9px;">35,596 </div><div id="a10271" style="position:absolute;left:669.053px;top:352.9px;">38,258 </div><div id="a10275" style="position:absolute;left:744.293px;top:352.9px;">33,746 </div><div id="a10278" style="position:absolute;left:19.2px;top:366.7px;">Consumer </div><div id="a10283" style="position:absolute;font-weight:bold;left:446.24px;top:366.7px;">11,042 </div><div id="a10287" style="position:absolute;left:521.147px;top:366.7px;">17,147 </div><div id="a10291" style="position:absolute;left:595.107px;top:366.7px;">17,080 </div><div id="a10295" style="position:absolute;left:669.053px;top:366.7px;">22,796 </div><div id="a10299" style="position:absolute;left:744.293px;top:366.7px;">16,808 </div><div id="a10302" style="position:absolute;left:19.2px;top:380.1px;">Auto </div><div id="a10307" style="position:absolute;font-weight:bold;left:446.24px;top:380.1px;">86,918 </div><div id="a10311" style="position:absolute;left:515.707px;top:380.1px;">108,842 </div><div id="a10315" style="position:absolute;left:589.667px;top:380.1px;">109,735 </div><div id="a10319" style="position:absolute;left:663.613px;top:380.1px;">100,027 </div><div id="a10323" style="position:absolute;left:738.853px;top:380.1px;">131,715 </div><div id="a10326" style="position:absolute;left:19.2px;top:394.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a10331" style="position:absolute;font-weight:bold;left:414.24px;top:394.6px;">$ </div><div id="a10333" style="position:absolute;font-weight:bold;left:440.8px;top:394.6px;">227,629 </div><div id="a10336" style="position:absolute;left:489.467px;top:394.6px;">$ </div><div id="a10338" style="position:absolute;left:515.707px;top:394.6px;">280,457 </div><div id="a10341" style="position:absolute;left:563.427px;top:394.6px;">$ </div><div id="a10343" style="position:absolute;left:589.667px;top:394.6px;">276,185 </div><div id="a10346" style="position:absolute;left:637.347px;top:394.6px;">$ </div><div id="a10348" style="position:absolute;left:663.613px;top:394.6px;">276,891 </div><div id="a10351" style="position:absolute;left:712.573px;top:394.6px;">$ </div><div id="a10353" style="position:absolute;left:738.853px;top:394.6px;">304,351 </div><div id="a10356" style="position:absolute;font-weight:bold;left:19.2px;top:410.6px;">Total Delinquency<div style="display:inline-block;width:3.93px">&#160;</div>Rates (30 days and<div style="display:inline-block;width:3.78px">&#160;</div>over past due) </div><div id="a10375" style="position:absolute;left:19.2px;top:424.3px;">Mortgage: </div><div id="a10394" style="position:absolute;left:19.2px;top:437.1px;"><div style="display:inline-block;width:9.28px">&#160;</div>Traditional,<div style="display:inline-block;width:3.98px">&#160;</div>Non traditional, and Loans<div style="display:inline-block;width:3.9px">&#160;</div>under Loss Mitigation </div><div id="a10400" style="position:absolute;font-weight:bold;left:452.32px;top:437.1px;">7.94% </div><div id="a10404" style="position:absolute;left:527.547px;top:437.1px;">8.22% </div><div id="a10408" style="position:absolute;left:601.507px;top:437.1px;">6.03% </div><div id="a10412" style="position:absolute;left:675.453px;top:437.1px;">4.66% </div><div id="a10416" style="position:absolute;left:750.693px;top:437.1px;">5.27% </div><div id="a10419" style="position:absolute;left:19.2px;top:450.6px;"><div style="display:inline-block;width:9.28px">&#160;</div>GNMA&apos;s buy-back option program </div><div id="a10427" style="position:absolute;font-weight:bold;left:452.32px;top:450.6px;">5.15% </div><div id="a10431" style="position:absolute;left:527.547px;top:450.6px;">6.82% </div><div id="a10435" style="position:absolute;left:601.507px;top:450.6px;">7.39% </div><div id="a10439" style="position:absolute;left:675.453px;top:450.6px;">8.59% </div><div id="a10443" style="position:absolute;left:750.693px;top:450.6px;">8.48% </div><div id="a10446" style="position:absolute;left:19.2px;top:464.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total mortgage </div><div id="a10452" style="position:absolute;font-weight:bold;left:446.88px;top:464.3px;">13.10% </div><div id="a10456" style="position:absolute;left:522.107px;top:464.3px;">15.04% </div><div id="a10460" style="position:absolute;left:596.067px;top:464.3px;">13.42% </div><div id="a10464" style="position:absolute;left:670.013px;top:464.3px;">13.25% </div><div id="a10468" style="position:absolute;left:745.253px;top:464.3px;">13.75% </div><div id="a10471" style="position:absolute;left:19.2px;top:477.8px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a10476" style="position:absolute;font-weight:bold;left:452.32px;top:477.8px;">1.43% </div><div id="a10480" style="position:absolute;left:527.547px;top:477.8px;">1.67% </div><div id="a10484" style="position:absolute;left:601.507px;top:477.8px;">1.99% </div><div id="a10488" style="position:absolute;left:675.453px;top:477.8px;">1.99% </div><div id="a10492" style="position:absolute;left:750.693px;top:477.8px;">1.77% </div><div id="a10495" style="position:absolute;left:19.2px;top:491.5px;">Consumer </div><div id="a10500" style="position:absolute;font-weight:bold;left:452.32px;top:491.5px;">2.79% </div><div id="a10504" style="position:absolute;left:527.547px;top:491.5px;">4.15% </div><div id="a10508" style="position:absolute;left:601.507px;top:491.5px;">3.93% </div><div id="a10512" style="position:absolute;left:675.453px;top:491.5px;">4.97% </div><div id="a10516" style="position:absolute;left:750.693px;top:491.5px;">3.49% </div><div id="a10519" style="position:absolute;left:19.2px;top:505px;">Auto </div><div id="a10524" style="position:absolute;font-weight:bold;left:452.32px;top:505px;">5.55% </div><div id="a10528" style="position:absolute;left:527.547px;top:505px;">7.09% </div><div id="a10532" style="position:absolute;left:601.507px;top:505px;">7.26% </div><div id="a10536" style="position:absolute;left:675.453px;top:505px;">6.87% </div><div id="a10540" style="position:absolute;left:750.693px;top:505px;">8.85% </div><div id="a10543" style="position:absolute;left:19.2px;top:519.4px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a10549" style="position:absolute;font-weight:bold;left:452.32px;top:519.4px;">4.65% </div><div id="a10553" style="position:absolute;left:527.547px;top:519.4px;">5.74% </div><div id="a10557" style="position:absolute;left:601.507px;top:519.4px;">5.67% </div><div id="a10561" style="position:absolute;left:675.453px;top:519.4px;">5.56% </div><div id="a10565" style="position:absolute;left:750.693px;top:519.4px;">6.38% </div><div id="a10568" style="position:absolute;font-weight:bold;left:19.2px;top:535.4px;">Nonperforming Assets </div><div id="a10570" style="position:absolute;font-size:8px;left:388.613px;top:537.8px;">(14) </div><div id="a10588" style="position:absolute;left:19.2px;top:549.1px;">Mortgage </div><div id="a10592" style="position:absolute;font-weight:bold;left:414.24px;top:549.1px;">$ </div><div id="a10594" style="position:absolute;font-weight:bold;left:446.24px;top:549.1px;">50,933 </div><div id="a10597" style="position:absolute;left:489.467px;top:549.1px;">$ </div><div id="a10599" style="position:absolute;left:521.147px;top:549.1px;">46,967 </div><div id="a10602" style="position:absolute;left:563.427px;top:549.1px;">$ </div><div id="a10604" style="position:absolute;left:595.107px;top:549.1px;">40,477 </div><div id="a10607" style="position:absolute;left:637.347px;top:549.1px;">$ </div><div id="a10609" style="position:absolute;left:669.053px;top:549.1px;">30,491 </div><div id="a10612" style="position:absolute;left:712.573px;top:549.1px;">$ </div><div id="a10614" style="position:absolute;left:744.293px;top:549.1px;">31,073 </div><div id="a10617" style="position:absolute;left:19.2px;top:561.9px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a10622" style="position:absolute;font-weight:bold;left:446.24px;top:561.9px;">42,778 </div><div id="a10626" style="position:absolute;left:521.147px;top:561.9px;">41,999 </div><div id="a10630" style="position:absolute;left:595.107px;top:561.9px;">44,941 </div><div id="a10634" style="position:absolute;left:669.053px;top:561.9px;">44,187 </div><div id="a10638" style="position:absolute;left:744.293px;top:561.9px;">42,668 </div><div id="a10641" style="position:absolute;left:19.2px;top:575.4px;">Consumer </div><div id="a10646" style="position:absolute;font-weight:bold;left:451.68px;top:575.4px;">2,900 </div><div id="a10650" style="position:absolute;left:526.587px;top:575.4px;">4,987 </div><div id="a10654" style="position:absolute;left:600.547px;top:575.4px;">5,206 </div><div id="a10658" style="position:absolute;left:674.493px;top:575.4px;">4,933 </div><div id="a10662" style="position:absolute;left:749.733px;top:575.4px;">3,690 </div><div id="a10665" style="position:absolute;left:19.2px;top:589.1px;">Auto </div><div id="a10670" style="position:absolute;font-weight:bold;left:446.24px;top:589.1px;">11,842 </div><div id="a10674" style="position:absolute;left:521.147px;top:589.1px;">20,766 </div><div id="a10678" style="position:absolute;left:595.107px;top:589.1px;">22,583 </div><div id="a10682" style="position:absolute;left:669.053px;top:589.1px;">10,539 </div><div id="a10686" style="position:absolute;left:744.293px;top:589.1px;">21,147 </div><div id="a10689" style="position:absolute;left:19.2px;top:602.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:4.33px">&#160;</div>loans </div><div id="a10695" style="position:absolute;font-weight:bold;left:440.8px;top:602.9px;">108,453 </div><div id="a10699" style="position:absolute;left:515.707px;top:602.9px;">114,719 </div><div id="a10703" style="position:absolute;left:589.667px;top:602.9px;">113,207 </div><div id="a10707" style="position:absolute;left:669.053px;top:602.9px;">90,150 </div><div id="a10711" style="position:absolute;left:744.293px;top:602.9px;">98,578 </div><div id="a10714" style="position:absolute;left:19.2px;top:616.4px;">Foreclosed real estate </div><div id="a10719" style="position:absolute;font-weight:bold;left:446.24px;top:616.4px;">15,598 </div><div id="a10723" style="position:absolute;left:521.147px;top:616.4px;">11,596 </div><div id="a10727" style="position:absolute;left:595.107px;top:616.4px;">19,456 </div><div id="a10731" style="position:absolute;left:669.053px;top:616.4px;">24,792 </div><div id="a10735" style="position:absolute;left:744.293px;top:616.4px;">27,292 </div><div id="a10738" style="position:absolute;left:19.2px;top:629.8px;">Other repossessed assets </div><div id="a10743" style="position:absolute;font-weight:bold;left:451.68px;top:629.8px;">2,768 </div><div id="a10747" style="position:absolute;left:526.587px;top:629.8px;">1,816 </div><div id="a10751" style="position:absolute;left:600.547px;top:629.8px;">1,918 </div><div id="a10755" style="position:absolute;left:674.493px;top:629.8px;">1,360 </div><div id="a10759" style="position:absolute;left:749.733px;top:629.8px;">3,096 </div><div id="a10762" style="position:absolute;left:19.2px;top:644.2px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:4.33px">&#160;</div>assets 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style="position:absolute;left:750.693px;top:686.8px;">2.23% </div><div id="a10859" style="position:absolute;left:19.2px;top:700.2px;">Consumer </div><div id="a10864" style="position:absolute;font-weight:bold;left:452.32px;top:700.2px;">0.73% </div><div id="a10868" style="position:absolute;left:527.547px;top:700.2px;">1.21% </div><div id="a10872" style="position:absolute;left:601.507px;top:700.2px;">1.20% </div><div id="a10876" style="position:absolute;left:675.453px;top:700.2px;">1.08% </div><div id="a10880" style="position:absolute;left:750.693px;top:700.2px;">0.77% </div><div id="a10883" style="position:absolute;left:19.2px;top:714px;">Auto </div><div id="a10888" style="position:absolute;font-weight:bold;left:452.32px;top:714px;">0.76% </div><div id="a10892" style="position:absolute;left:527.547px;top:714px;">1.35% </div><div id="a10896" style="position:absolute;left:601.507px;top:714px;">1.49% </div><div id="a10900" style="position:absolute;left:675.453px;top:714px;">0.72% </div><div id="a10904" style="position:absolute;left:750.693px;top:714px;">1.42% </div><div id="a10907" style="position:absolute;left:19.2px;top:728.4px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total loans </div><div id="a10913" style="position:absolute;font-weight:bold;left:452.32px;top:728.4px;">2.22% </div><div id="a10917" style="position:absolute;left:527.547px;top:728.4px;">2.35% </div><div id="a10921" style="position:absolute;left:601.507px;top:728.4px;">2.33% </div><div id="a10925" style="position:absolute;left:675.453px;top:728.4px;">1.81% </div><div id="a10929" style="position:absolute;left:750.693px;top:728.4px;">2.07% </div><div id="a10950" style="position:absolute;left:395.36px;top:755px;">9 </div><div id="a10953" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:768px;"><div style="display:inline-block;width:3.84px">&#160;</div></div></div>
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<div id="a10955" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a10957" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a10959" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a10977" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:84.8px;">Table 6-3: Loan Information and Performance Statistics (1) </div><div id="a10986" style="position:absolute;font-weight:bold;left:398.88px;top:101.7px;">2021 </div><div id="a10989" style="position:absolute;left:478.907px;top:101.7px;">2020 </div><div id="a10992" style="position:absolute;left:573.987px;top:101.7px;">2020 </div><div id="a10995" style="position:absolute;left:654.013px;top:101.7px;">2020 </div><div id="a10998" style="position:absolute;left:734.013px;top:101.7px;">2020 </div><div id="a11000" style="position:absolute;font-weight:bold;left:19.2px;top:115.4px;">(Dollars in thousands) (unaudited) </div><div id="a11004" style="position:absolute;font-weight:bold;left:403.36px;top:116.1px;">Q1 </div><div id="a11007" style="position:absolute;left:483.387px;top:116.1px;">Q4 </div><div id="a11010" style="position:absolute;left:578.467px;top:116.1px;">Q3 </div><div id="a11013" style="position:absolute;left:658.493px;top:116.1px;">Q2 </div><div id="a11016" style="position:absolute;left:738.533px;top:116.1px;">Q1 </div><div id="a11018" style="position:absolute;font-weight:bold;left:19.2px;top:130.5px;">Nonperforming PCD Loans </div><div id="a11020" style="position:absolute;font-size:8px;left:354.373px;top:133.5px;">(14) </div><div id="a11037" style="position:absolute;left:19.2px;top:144.9px;">Mortgage </div><div id="a11041" style="position:absolute;font-weight:bold;left:372.293px;top:144.9px;">$ </div><div id="a11043" style="position:absolute;font-weight:bold;left:428px;top:144.9px;">958 </div><div id="a11046" style="position:absolute;left:452.32px;top:144.9px;">$ </div><div id="a11048" style="position:absolute;left:500.027px;top:144.9px;">1,003 </div><div id="a11051" style="position:absolute;left:547.387px;top:144.9px;">$ </div><div id="a11053" style="position:absolute;left:595.107px;top:144.9px;">1,003 </div><div id="a11056" style="position:absolute;left:627.427px;top:144.9px;">$ </div><div id="a11058" style="position:absolute;left:675.133px;top:144.9px;">1,373 </div><div id="a11061" style="position:absolute;left:707.453px;top:144.9px;">$ </div><div id="a11063" style="position:absolute;left:755.173px;top:144.9px;">1,341 </div><div id="a11065" style="position:absolute;left:19.2px;top:157.7px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a11070" style="position:absolute;font-weight:bold;left:414.56px;top:157.7px;">34,906 </div><div id="a11074" style="position:absolute;left:494.587px;top:157.7px;">36,470 </div><div id="a11076" style="position:absolute;left:531.387px;top:157.7px;">(a) </div><div id="a11079" style="position:absolute;left:589.667px;top:157.7px;">79,631 </div><div id="a11083" style="position:absolute;left:669.693px;top:157.7px;">81,064 </div><div id="a11087" style="position:absolute;left:749.733px;top:157.7px;">82,411 </div><div id="a11089" style="position:absolute;left:19.2px;top:171.5px;">Consumer </div><div id="a11094" style="position:absolute;font-weight:bold;left:441.12px;top:171.5px;">- </div><div id="a11098" style="position:absolute;left:518.907px;top:171.5px;">1 </div><div id="a11102" style="position:absolute;left:613.987px;top:171.5px;">4 </div><div id="a11106" style="position:absolute;left:688.573px;top:171.5px;">12 </div><div id="a11110" style="position:absolute;left:768.613px;top:171.5px;">10 </div><div id="a11112" style="position:absolute;left:19.2px;top:185.9px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:4.33px">&#160;</div>loans </div><div id="a11117" style="position:absolute;font-weight:bold;left:372.293px;top:185.9px;">$ </div><div id="a11119" style="position:absolute;font-weight:bold;left:414.56px;top:185.9px;">35,864 </div><div id="a11122" style="position:absolute;left:452.32px;top:185.9px;">$ </div><div id="a11124" style="position:absolute;left:494.587px;top:185.9px;">37,474 </div><div id="a11126" style="position:absolute;left:531.387px;top:185.9px;">(a) </div><div id="a11128" style="position:absolute;left:547.387px;top:185.9px;">$ </div><div id="a11130" style="position:absolute;left:589.667px;top:185.9px;">80,638 </div><div id="a11133" style="position:absolute;left:627.427px;top:185.9px;">$ </div><div id="a11135" style="position:absolute;left:669.693px;top:185.9px;">82,449 </div><div id="a11138" style="position:absolute;left:707.453px;top:185.9px;">$ </div><div id="a11140" style="position:absolute;left:749.733px;top:185.9px;">83,762 </div><div id="a11142" style="position:absolute;font-weight:bold;left:19.2px;top:201.9px;">Nonperforming PCD Loan Rates </div><div id="a11160" style="position:absolute;left:19.2px;top:215.3px;">Mortgage </div><div id="a11165" style="position:absolute;font-weight:bold;left:420.32px;top:215.3px;">0.07% </div><div id="a11169" style="position:absolute;left:500.667px;top:215.3px;">0.07% </div><div id="a11173" style="position:absolute;left:595.747px;top:215.3px;">0.07% </div><div id="a11177" style="position:absolute;left:675.773px;top:215.3px;">0.09% </div><div id="a11181" style="position:absolute;left:755.813px;top:215.3px;">0.09% </div><div id="a11183" style="position:absolute;left:19.2px;top:228.1px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a11188" style="position:absolute;font-weight:bold;left:414.88px;top:228.1px;">12.80% </div><div id="a11192" style="position:absolute;left:495.227px;top:228.1px;">12.88% </div><div id="a11194" style="position:absolute;left:531.387px;top:228.1px;">(a) </div><div id="a11197" style="position:absolute;left:590.307px;top:228.1px;">22.59% </div><div id="a11201" style="position:absolute;left:670.333px;top:228.1px;">21.00% </div><div id="a11205" style="position:absolute;left:750.373px;top:228.1px;">21.07% </div><div id="a11207" style="position:absolute;left:19.2px;top:241.9px;">Consumer </div><div id="a11212" style="position:absolute;font-weight:bold;left:420.32px;top:241.9px;">0.00% </div><div id="a11216" style="position:absolute;left:500.667px;top:241.9px;">0.07% </div><div id="a11220" style="position:absolute;left:595.747px;top:241.9px;">0.17% </div><div id="a11224" style="position:absolute;left:675.773px;top:241.9px;">0.41% </div><div id="a11228" style="position:absolute;left:755.813px;top:241.9px;">0.30% </div><div id="a11230" style="position:absolute;left:19.2px;top:256.3px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a11236" style="position:absolute;font-weight:bold;left:420.32px;top:256.3px;">2.11% </div><div id="a11240" style="position:absolute;left:500.667px;top:256.3px;">2.11% </div><div id="a11243" style="position:absolute;left:531.387px;top:256.3px;">(a) </div><div id="a11246" style="position:absolute;left:595.747px;top:256.3px;">4.26% </div><div id="a11250" style="position:absolute;left:675.773px;top:256.3px;">4.19% </div><div id="a11254" style="position:absolute;left:755.813px;top:256.3px;">4.19% </div><div id="a11256" style="position:absolute;font-weight:bold;left:19.2px;top:272.3px;">Total PCD Loans<div style="display:inline-block;width:3.73px">&#160;</div>Held for Investment </div><div id="a11258" style="position:absolute;font-size:8px;left:354.373px;top:274.4px;">(21) </div><div id="a11275" style="position:absolute;left:19.2px;top:285.7px;">Mortgage </div><div id="a11279" style="position:absolute;font-weight:bold;left:372.293px;top:285.7px;">$ </div><div id="a11281" style="position:absolute;font-weight:bold;left:401.12px;top:285.7px;">1,406,044 </div><div id="a11284" style="position:absolute;left:452.32px;top:285.7px;">$ </div><div id="a11286" style="position:absolute;left:481.147px;top:285.7px;">1,459,932 </div><div id="a11289" style="position:absolute;left:547.387px;top:285.7px;">$ </div><div id="a11291" style="position:absolute;left:576.227px;top:285.7px;">1,504,914 </div><div id="a11294" style="position:absolute;left:627.427px;top:285.7px;">$ </div><div id="a11296" style="position:absolute;left:656.253px;top:285.7px;">1,541,637 </div><div id="a11299" style="position:absolute;left:707.453px;top:285.7px;">$ </div><div id="a11301" style="position:absolute;left:736.293px;top:285.7px;">1,561,557 </div><div id="a11303" style="position:absolute;left:19.2px;top:298.5px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a11308" style="position:absolute;font-weight:bold;left:409.12px;top:298.5px;">272,793 </div><div id="a11312" style="position:absolute;left:489.147px;top:298.5px;">283,160 </div><div id="a11316" style="position:absolute;left:584.227px;top:298.5px;">352,555 </div><div id="a11320" style="position:absolute;left:664.253px;top:298.5px;">386,046 </div><div id="a11324" style="position:absolute;left:744.293px;top:298.5px;">391,158 </div><div id="a11326" style="position:absolute;left:19.2px;top:312.3px;">Consumer </div><div id="a11331" style="position:absolute;font-weight:bold;left:420px;top:312.3px;">1,120 </div><div id="a11335" style="position:absolute;left:500.027px;top:312.3px;">1,394 </div><div id="a11339" style="position:absolute;left:595.107px;top:312.3px;">2,336 </div><div id="a11343" style="position:absolute;left:675.133px;top:312.3px;">2,950 </div><div id="a11347" style="position:absolute;left:755.173px;top:312.3px;">3,350 </div><div id="a11349" style="position:absolute;left:19.2px;top:326.7px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total loans </div><div id="a11354" style="position:absolute;font-weight:bold;left:372.293px;top:326.7px;">$ </div><div id="a11356" style="position:absolute;font-weight:bold;left:401.12px;top:326.7px;">1,679,957 </div><div id="a11359" style="position:absolute;left:452.32px;top:326.7px;">$ </div><div id="a11361" style="position:absolute;left:481.147px;top:326.7px;">1,744,486 </div><div id="a11364" style="position:absolute;left:547.387px;top:326.7px;">$ </div><div id="a11366" style="position:absolute;left:576.227px;top:326.7px;">1,859,805 </div><div id="a11369" style="position:absolute;left:627.427px;top:326.7px;">$ </div><div id="a11371" style="position:absolute;left:656.253px;top:326.7px;">1,930,633 </div><div id="a11374" style="position:absolute;left:707.453px;top:326.7px;">$ </div><div id="a11376" style="position:absolute;left:736.293px;top:326.7px;">1,956,065 </div><div id="a11415" style="position:absolute;font-weight:bold;left:398.88px;top:368.3px;">2021 </div><div id="a11418" style="position:absolute;left:478.907px;top:368.3px;">2020 </div><div id="a11421" style="position:absolute;left:573.987px;top:368.3px;">2020 </div><div id="a11424" style="position:absolute;left:654.013px;top:368.3px;">2020 </div><div id="a11427" style="position:absolute;left:734.013px;top:368.3px;">2020 </div><div id="a11429" style="position:absolute;font-weight:bold;left:19.2px;top:382.1px;">(Dollars in thousands) (unaudited) </div><div id="a11433" style="position:absolute;font-weight:bold;left:403.36px;top:382.7px;">Q1 </div><div id="a11436" style="position:absolute;left:483.387px;top:382.7px;">Q4 </div><div id="a11439" style="position:absolute;left:578.467px;top:382.7px;">Q3 </div><div id="a11442" style="position:absolute;left:658.493px;top:382.7px;">Q2 </div><div id="a11445" style="position:absolute;left:738.533px;top:382.7px;">Q1 </div><div id="a11447" style="position:absolute;font-weight:bold;left:19.2px;top:397.1px;">Total Nonperforming<div style="display:inline-block;width:4.11px">&#160;</div>Loans </div><div id="a11449" style="position:absolute;font-size:8px;left:354.373px;top:400.2px;">(14) </div><div id="a11466" style="position:absolute;left:19.2px;top:411.5px;">Mortgage </div><div id="a11470" style="position:absolute;font-weight:bold;left:372.293px;top:411.5px;">$ </div><div id="a11472" style="position:absolute;font-weight:bold;left:414.56px;top:411.5px;">51,891 </div><div id="a11475" style="position:absolute;left:452.32px;top:411.5px;">$ </div><div id="a11477" style="position:absolute;left:494.587px;top:411.5px;">47,970 </div><div id="a11480" style="position:absolute;left:547.387px;top:411.5px;">$ </div><div id="a11482" style="position:absolute;left:589.667px;top:411.5px;">41,480 </div><div id="a11485" style="position:absolute;left:627.427px;top:411.5px;">$ </div><div id="a11487" style="position:absolute;left:669.693px;top:411.5px;">31,864 </div><div id="a11490" style="position:absolute;left:707.453px;top:411.5px;">$ </div><div id="a11492" style="position:absolute;left:749.733px;top:411.5px;">32,414 </div><div id="a11494" style="position:absolute;left:19.2px;top:425px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a11499" style="position:absolute;font-weight:bold;left:414.56px;top:425px;">77,684 </div><div id="a11503" style="position:absolute;left:494.587px;top:425px;">78,469 </div><div id="a11505" style="position:absolute;left:531.387px;top:425px;">(a) </div><div id="a11508" style="position:absolute;left:584.227px;top:425px;">124,572 </div><div id="a11512" style="position:absolute;left:664.253px;top:425px;">125,251 </div><div id="a11516" style="position:absolute;left:744.293px;top:425px;">125,079 </div><div id="a11518" style="position:absolute;left:19.2px;top:438.7px;">Consumer </div><div id="a11523" style="position:absolute;font-weight:bold;left:420px;top:438.7px;">2,900 </div><div id="a11527" style="position:absolute;left:500.027px;top:438.7px;">4,988 </div><div id="a11531" style="position:absolute;left:595.107px;top:438.7px;">5,210 </div><div id="a11535" style="position:absolute;left:675.133px;top:438.7px;">4,945 </div><div id="a11539" style="position:absolute;left:755.173px;top:438.7px;">3,700 </div><div id="a11541" style="position:absolute;left:19.2px;top:452.2px;">Auto </div><div id="a11546" style="position:absolute;font-weight:bold;left:414.56px;top:452.2px;">11,842 </div><div id="a11550" style="position:absolute;left:494.587px;top:452.2px;">20,766 </div><div id="a11554" style="position:absolute;left:589.667px;top:452.2px;">22,583 </div><div id="a11558" style="position:absolute;left:669.693px;top:452.2px;">10,539 </div><div id="a11562" style="position:absolute;left:749.733px;top:452.2px;">21,147 </div><div id="a11564" style="position:absolute;left:19.2px;top:466.6px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total nonperforming<div style="display:inline-block;width:4.33px">&#160;</div>loans </div><div id="a11569" style="position:absolute;font-weight:bold;left:372.293px;top:466.6px;">$ </div><div id="a11571" style="position:absolute;font-weight:bold;left:409.12px;top:466.6px;">144,317 </div><div id="a11574" style="position:absolute;left:452.32px;top:466.6px;">$ </div><div id="a11576" style="position:absolute;left:489.147px;top:466.6px;">152,193 </div><div id="a11578" style="position:absolute;left:531.387px;top:466.6px;">(a) </div><div id="a11580" style="position:absolute;left:547.387px;top:466.6px;">$ </div><div id="a11582" style="position:absolute;left:584.227px;top:466.6px;">193,845 </div><div id="a11585" style="position:absolute;left:627.427px;top:466.6px;">$ </div><div id="a11587" style="position:absolute;left:664.253px;top:466.6px;">172,599 </div><div id="a11590" style="position:absolute;left:707.453px;top:466.6px;">$ </div><div id="a11592" style="position:absolute;left:744.293px;top:466.6px;">182,340 </div><div id="a11594" style="position:absolute;font-weight:bold;left:19.2px;top:482.6px;">Total Nonperforming<div style="display:inline-block;width:4.11px">&#160;</div>Loan Rates </div><div id="a11612" style="position:absolute;left:19.2px;top:496.3px;">Mortgage </div><div id="a11617" style="position:absolute;font-weight:bold;left:420.32px;top:496.3px;">2.36% </div><div id="a11621" style="position:absolute;left:500.667px;top:496.3px;">2.10% </div><div id="a11625" style="position:absolute;left:595.747px;top:496.3px;">1.76% </div><div id="a11629" style="position:absolute;left:675.773px;top:496.3px;">1.32% </div><div id="a11633" style="position:absolute;left:755.813px;top:496.3px;">1.32% </div><div id="a11635" style="position:absolute;left:19.2px;top:509.8px;">Commercial<div style="display:inline-block;width:3.21px">&#160;</div></div><div id="a11640" style="position:absolute;font-weight:bold;left:420.32px;top:509.8px;">3.22% </div><div id="a11644" style="position:absolute;left:500.667px;top:509.8px;">3.27% </div><div id="a11646" style="position:absolute;left:531.387px;top:509.8px;">(a) </div><div id="a11649" style="position:absolute;left:595.747px;top:509.8px;">5.13% </div><div id="a11653" style="position:absolute;left:675.773px;top:509.8px;">4.85% </div><div id="a11657" style="position:absolute;left:755.813px;top:509.8px;">5.44% </div><div id="a11659" style="position:absolute;left:19.2px;top:523.5px;">Consumer </div><div id="a11664" style="position:absolute;font-weight:bold;left:420.32px;top:523.5px;">0.73% </div><div id="a11668" style="position:absolute;left:500.667px;top:523.5px;">1.20% </div><div id="a11672" style="position:absolute;left:595.747px;top:523.5px;">1.19% </div><div id="a11676" style="position:absolute;left:675.773px;top:523.5px;">1.07% </div><div id="a11680" style="position:absolute;left:755.813px;top:523.5px;">0.76% </div><div id="a11682" style="position:absolute;left:19.2px;top:537px;">Auto </div><div id="a11687" style="position:absolute;font-weight:bold;left:420.32px;top:537px;">0.75% </div><div id="a11691" style="position:absolute;left:500.667px;top:537px;">1.33% </div><div id="a11695" style="position:absolute;left:595.747px;top:537px;">1.46% </div><div id="a11699" style="position:absolute;left:675.773px;top:537px;">0.71% </div><div id="a11703" style="position:absolute;left:755.813px;top:537px;">1.38% </div><div id="a11705" style="position:absolute;left:19.2px;top:551.4px;"><div style="display:inline-block;width:19.2px">&#160;</div>Total </div><div id="a11711" style="position:absolute;font-weight:bold;left:420.32px;top:551.4px;">2.19% </div><div id="a11715" style="position:absolute;left:500.667px;top:551.4px;">2.28% </div><div id="a11718" style="position:absolute;left:531.387px;top:551.4px;">(a) </div><div id="a11721" style="position:absolute;left:595.747px;top:551.4px;">2.87% </div><div id="a11725" style="position:absolute;left:675.773px;top:551.4px;">2.48% </div><div id="a11729" style="position:absolute;left:755.813px;top:551.4px;">2.69% </div><div id="a11731" style="position:absolute;font-weight:bold;left:19.2px;top:567.4px;">Total Loans Held<div style="display:inline-block;width:3.91px">&#160;</div>for Investment </div><div id="a11733" style="position:absolute;font-size:8px;left:354.373px;top:569.8px;">(21) </div><div id="a11750" style="position:absolute;left:19.2px;top:581.1px;">Mortgage </div><div id="a11754" style="position:absolute;font-weight:bold;left:372.293px;top:581.1px;">$ </div><div id="a11756" style="position:absolute;font-weight:bold;left:401.12px;top:581.1px;">2,197,106 </div><div id="a11759" style="position:absolute;left:452.32px;top:581.1px;">$ </div><div id="a11761" style="position:absolute;left:481.147px;top:581.1px;">2,283,375 </div><div id="a11764" 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<div id="a11919" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a11921" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a11923" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a11941" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:84.8px;">Table 7: Allowance for Credit Losses (1) </div><div id="a11957" style="position:absolute;font-weight:bold;left:528.507px;top:102px;">Quarter Ended March 31, 2021 </div><div id="a11959" style="position:absolute;font-weight:bold;left:19.2px;top:117px;">(Dollars in thousands) (unaudited) </div><div id="a11963" style="position:absolute;font-weight:bold;left:404.64px;top:117px;">Mortgage </div><div id="a11966" style="position:absolute;font-weight:bold;left:484.667px;top:117px;">Commercial </div><div id="a11969" style="position:absolute;font-weight:bold;left:573.987px;top:117px;">Consumer </div><div id="a11972" style="position:absolute;font-weight:bold;left:670.653px;top:117px;">Auto </div><div id="a11975" style="position:absolute;font-weight:bold;left:754.853px;top:117px;">Total </div><div id="a11977" style="position:absolute;font-weight:bold;left:19.2px;top:131.4px;">Allowance for credit losses<div style="display:inline-block;width:3.74px">&#160;</div>Non-PCD: </div><div id="a11997" style="position:absolute;left:19.2px;top:145.8px;"><div style="display:inline-block;width:4.48px">&#160;</div>Balance at beginning of period </div><div id="a12002" style="position:absolute;font-weight:bold;left:385.413px;top:145.8px;">$ </div><div id="a12004" style="position:absolute;font-weight:bold;left:434.4px;top:145.8px;">19,687 </div><div id="a12007" style="position:absolute;font-weight:bold;left:470.24px;top:145.8px;">$ </div><div id="a12009" style="position:absolute;font-weight:bold;left:519.547px;top:145.8px;">45,779 </div><div id="a12012" style="position:absolute;font-weight:bold;left:555.387px;top:145.8px;">$ </div><div id="a12014" style="position:absolute;font-weight:bold;left:604.387px;top:145.8px;">25,253 </div><div id="a12017" style="position:absolute;font-weight:bold;left:640.547px;top:145.8px;">$ </div><div id="a12019" style="position:absolute;font-weight:bold;left:689.533px;top:145.8px;">70,296 </div><div id="a12022" style="position:absolute;font-weight:bold;left:725.373px;top:145.8px;">$ </div><div id="a12024" style="position:absolute;font-weight:bold;left:769.253px;top:145.8px;">161,015 </div><div id="a12026" style="position:absolute;left:19.2px;top:158.7px;"><div style="display:inline-block;width:7.04px">&#160;</div>(Recapture) provision<div style="display:inline-block;width:3.82px">&#160;</div>for credit losses </div><div id="a12032" style="position:absolute;font-weight:bold;left:436.32px;top:158.7px;">(2,480) </div><div id="a12036" style="position:absolute;font-weight:bold;left:524.987px;top:158.7px;">1,542 </div><div id="a12040" style="position:absolute;font-weight:bold;left:614.627px;top:158.7px;">(158) </div><div id="a12044" style="position:absolute;font-weight:bold;left:694.973px;top:158.7px;">4,039 </div><div id="a12048" style="position:absolute;font-weight:bold;left:780.133px;top:158.7px;">2,943 </div><div id="a12050" style="position:absolute;left:19.2px;top:172.1px;"><div style="display:inline-block;width:9.28px">&#160;</div>Charge-offs </div><div id="a12058" style="position:absolute;font-weight:bold;left:444.64px;top:172.1px;">(787) </div><div id="a12062" style="position:absolute;font-weight:bold;left:534.907px;top:172.1px;">(68) </div><div id="a12066" style="position:absolute;font-weight:bold;left:606.307px;top:172.1px;">(4,469) </div><div id="a12070" style="position:absolute;font-weight:bold;left:691.453px;top:172.1px;">(9,083) </div><div id="a12074" style="position:absolute;font-weight:bold;left:771.173px;top:172.1px;">(14,407) </div><div id="a12076" style="position:absolute;left:19.2px;top:185.9px;"><div style="display:inline-block;width:9.28px">&#160;</div>Recoveries </div><div id="a12082" style="position:absolute;font-weight:bold;left:447.84px;top:185.9px;">615 </div><div id="a12086" style="position:absolute;font-weight:bold;left:532.987px;top:185.9px;">430 </div><div id="a12090" style="position:absolute;font-weight:bold;left:617.827px;top:185.9px;">565 </div><div id="a12094" style="position:absolute;font-weight:bold;left:694.973px;top:185.9px;">5,817 </div><div id="a12098" style="position:absolute;font-weight:bold;left:780.133px;top:185.9px;">7,427 </div><div id="a12100" style="position:absolute;left:19.2px;top:200.3px;"><div style="display:inline-block;width:14.08px">&#160;</div>Balance at end of period </div><div id="a12105" style="position:absolute;font-weight:bold;left:385.413px;top:200.3px;">$ </div><div id="a12107" style="position:absolute;font-weight:bold;left:434.4px;top:200.3px;">17,035 </div><div id="a12110" style="position:absolute;font-weight:bold;left:470.24px;top:200.3px;">$ </div><div id="a12112" style="position:absolute;font-weight:bold;left:519.547px;top:200.3px;">47,683 </div><div id="a12115" style="position:absolute;font-weight:bold;left:555.387px;top:200.3px;">$ </div><div id="a12117" style="position:absolute;font-weight:bold;left:604.387px;top:200.3px;">21,191 </div><div id="a12120" style="position:absolute;font-weight:bold;left:640.547px;top:200.3px;">$ </div><div id="a12122" style="position:absolute;font-weight:bold;left:689.533px;top:200.3px;">71,069 </div><div id="a12125" style="position:absolute;font-weight:bold;left:725.373px;top:200.3px;">$ </div><div id="a12127" style="position:absolute;font-weight:bold;left:769.253px;top:200.3px;">156,978 </div><div id="a12146" style="position:absolute;font-weight:bold;left:19.2px;top:229.7px;">Allowance for credit losses<div style="display:inline-block;width:3.74px">&#160;</div>PCD: </div><div id="a12164" style="position:absolute;left:19.2px;top:244.1px;"><div style="display:inline-block;width:4.48px">&#160;</div>Balance at beginning of period </div><div id="a12169" style="position:absolute;font-weight:bold;left:385.413px;top:244.1px;">$ </div><div id="a12171" style="position:absolute;font-weight:bold;left:434.4px;top:244.1px;">26,388 </div><div id="a12174" style="position:absolute;font-weight:bold;left:470.24px;top:244.1px;">$ </div><div id="a12176" style="position:absolute;font-weight:bold;left:519.547px;top:244.1px;">16,406 </div><div id="a12179" style="position:absolute;font-weight:bold;left:555.387px;top:244.1px;">$ </div><div id="a12181" style="position:absolute;font-weight:bold;left:623.267px;top:244.1px;">57 </div><div id="a12184" style="position:absolute;font-weight:bold;left:640.547px;top:244.1px;">$ </div><div id="a12186" style="position:absolute;font-weight:bold;left:702.973px;top:244.1px;">943 </div><div id="a12189" style="position:absolute;font-weight:bold;left:725.373px;top:244.1px;">$ </div><div id="a12191" style="position:absolute;font-weight:bold;left:774.693px;top:244.1px;">43,794 </div><div id="a12193" style="position:absolute;left:19.2px;top:256.9px;"><div style="display:inline-block;width:9.28px">&#160;</div>Provision (recapture)<div style="display:inline-block;width:4px">&#160;</div>for credit losses </div><div id="a12199" style="position:absolute;font-weight:bold;left:439.84px;top:256.9px;">5,994 </div><div id="a12203" style="position:absolute;font-weight:bold;left:521.467px;top:256.9px;">(2,492) </div><div id="a12207" style="position:absolute;font-weight:bold;left:625.187px;top:256.9px;">(4) </div><div id="a12211" style="position:absolute;font-weight:bold;left:699.773px;top:256.9px;">(172) </div><div id="a12215" style="position:absolute;font-weight:bold;left:780.133px;top:256.9px;">3,326 </div><div id="a12217" style="position:absolute;left:19.2px;top:270.7px;"><div style="display:inline-block;width:9.28px">&#160;</div>Charge-offs </div><div id="a12225" style="position:absolute;font-weight:bold;left:436.32px;top:270.7px;">(2,590) </div><div id="a12229" style="position:absolute;font-weight:bold;left:534.907px;top:270.7px;">(43) </div><div id="a12233" style="position:absolute;font-weight:bold;left:619.747px;top:270.7px;">(22) </div><div id="a12237" style="position:absolute;font-weight:bold;left:699.773px;top:270.7px;">(456) </div><div id="a12241" style="position:absolute;font-weight:bold;left:776.613px;top:270.7px;">(3,111) </div><div id="a12243" style="position:absolute;left:19.2px;top:284.1px;"><div style="display:inline-block;width:9.28px">&#160;</div>Recoveries </div><div id="a12249" style="position:absolute;font-weight:bold;left:447.84px;top:284.1px;">146 </div><div id="a12253" style="position:absolute;font-weight:bold;left:532.987px;top:284.1px;">436 </div><div id="a12257" style="position:absolute;font-weight:bold;left:623.267px;top:284.1px;">21 </div><div id="a12261" style="position:absolute;font-weight:bold;left:702.973px;top:284.1px;">383 </div><div id="a12265" style="position:absolute;font-weight:bold;left:788.133px;top:284.1px;">986 </div><div id="a12267" style="position:absolute;left:19.2px;top:298.5px;"><div style="display:inline-block;width:9.28px">&#160;</div>Balance at end of period </div><div id="a12272" style="position:absolute;font-weight:bold;left:385.413px;top:298.5px;">$ </div><div id="a12274" style="position:absolute;font-weight:bold;left:434.4px;top:298.5px;">29,938 </div><div id="a12277" style="position:absolute;font-weight:bold;left:470.24px;top:298.5px;">$ </div><div id="a12279" style="position:absolute;font-weight:bold;left:519.547px;top:298.5px;">14,307 </div><div id="a12282" style="position:absolute;font-weight:bold;left:555.387px;top:298.5px;">$ </div><div id="a12284" style="position:absolute;font-weight:bold;left:623.267px;top:298.5px;">52 </div><div id="a12287" style="position:absolute;font-weight:bold;left:640.547px;top:298.5px;">$ </div><div id="a12289" style="position:absolute;font-weight:bold;left:702.973px;top:298.5px;">698 </div><div id="a12292" style="position:absolute;font-weight:bold;left:725.373px;top:298.5px;">$ </div><div id="a12294" style="position:absolute;font-weight:bold;left:774.693px;top:298.5px;">44,995 </div><div id="a12313" style="position:absolute;font-weight:bold;left:19.2px;top:328.3px;">Allowance for credit<div style="display:inline-block;width:3.58px">&#160;</div>losses summary: </div><div id="a12332" style="position:absolute;left:19.2px;top:342.7px;"><div style="display:inline-block;width:4.48px">&#160;</div>Balance at beginning of period </div><div id="a12337" style="position:absolute;font-weight:bold;left:385.413px;top:342.7px;">$ </div><div id="a12339" style="position:absolute;font-weight:bold;left:434.4px;top:342.7px;">46,075 </div><div id="a12342" style="position:absolute;font-weight:bold;left:470.24px;top:342.7px;">$ </div><div id="a12344" style="position:absolute;font-weight:bold;left:519.547px;top:342.7px;">62,185 </div><div id="a12347" style="position:absolute;font-weight:bold;left:555.387px;top:342.7px;">$ </div><div id="a12349" style="position:absolute;font-weight:bold;left:604.387px;top:342.7px;">25,310 </div><div id="a12352" style="position:absolute;font-weight:bold;left:640.547px;top:342.7px;">$ </div><div id="a12354" style="position:absolute;font-weight:bold;left:689.533px;top:342.7px;">71,239 </div><div id="a12357" style="position:absolute;font-weight:bold;left:725.373px;top:342.7px;">$ </div><div id="a12359" style="position:absolute;font-weight:bold;left:769.253px;top:342.7px;">204,809 </div><div id="a12361" style="position:absolute;left:19.2px;top:355.5px;"><div style="display:inline-block;width:9.28px">&#160;</div>Provision (recapture)<div style="display:inline-block;width:4px">&#160;</div>for credit losses </div><div id="a12367" style="position:absolute;font-weight:bold;left:439.84px;top:355.5px;">3,514 </div><div id="a12371" style="position:absolute;font-weight:bold;left:529.787px;top:355.5px;">(950) </div><div id="a12375" style="position:absolute;font-weight:bold;left:614.627px;top:355.5px;">(162) </div><div id="a12379" style="position:absolute;font-weight:bold;left:694.973px;top:355.5px;">3,867 </div><div id="a12383" style="position:absolute;font-weight:bold;left:780.133px;top:355.5px;">6,269 </div><div id="a12385" style="position:absolute;left:19.2px;top:368.9px;"><div style="display:inline-block;width:9.28px">&#160;</div>Charge-offs </div><div id="a12393" style="position:absolute;font-weight:bold;left:436.32px;top:368.9px;">(3,377) </div><div id="a12397" style="position:absolute;font-weight:bold;left:529.787px;top:368.9px;">(111) </div><div id="a12401" style="position:absolute;font-weight:bold;left:606.307px;top:368.9px;">(4,491) </div><div id="a12405" style="position:absolute;font-weight:bold;left:691.453px;top:368.9px;">(9,539) </div><div id="a12409" style="position:absolute;font-weight:bold;left:771.173px;top:368.9px;">(17,518) </div><div id="a12411" style="position:absolute;left:19.2px;top:382.7px;"><div style="display:inline-block;width:9.28px">&#160;</div>Recoveries </div><div id="a12417" style="position:absolute;font-weight:bold;left:447.84px;top:382.7px;">761 </div><div id="a12421" style="position:absolute;font-weight:bold;left:532.987px;top:382.7px;">866 </div><div id="a12425" style="position:absolute;font-weight:bold;left:617.827px;top:382.7px;">586 </div><div id="a12429" style="position:absolute;font-weight:bold;left:694.973px;top:382.7px;">6,200 </div><div id="a12433" style="position:absolute;font-weight:bold;left:780.133px;top:382.7px;">8,413 </div><div id="a12435" style="position:absolute;left:19.2px;top:397.1px;"><div style="display:inline-block;width:9.28px">&#160;</div>Balance at end of period </div><div id="a12440" style="position:absolute;font-weight:bold;left:385.413px;top:397.1px;">$ </div><div id="a12442" style="position:absolute;font-weight:bold;left:434.4px;top:397.1px;">46,973 </div><div id="a12445" style="position:absolute;font-weight:bold;left:470.24px;top:397.1px;">$ </div><div id="a12447" style="position:absolute;font-weight:bold;left:519.547px;top:397.1px;">61,990 </div><div id="a12450" style="position:absolute;font-weight:bold;left:555.387px;top:397.1px;">$ </div><div id="a12452" style="position:absolute;font-weight:bold;left:604.387px;top:397.1px;">21,243 </div><div id="a12455" style="position:absolute;font-weight:bold;left:640.547px;top:397.1px;">$ </div><div id="a12457" style="position:absolute;font-weight:bold;left:689.533px;top:397.1px;">71,767 </div><div id="a12460" style="position:absolute;font-weight:bold;left:725.373px;top:397.1px;">$ </div><div id="a12462" style="position:absolute;font-weight:bold;left:769.253px;top:397.1px;">201,973 </div><div id="a12464" style="position:absolute;left:19.2px;top:413.1px;">Allowance coverage ratio </div><div id="a12469" style="position:absolute;font-weight:bold;left:440.48px;top:413.1px;">2.14% </div><div id="a12473" style="position:absolute;font-weight:bold;left:525.627px;top:413.1px;">2.57% </div><div id="a12477" style="position:absolute;font-weight:bold;left:610.467px;top:413.1px;">5.36% </div><div id="a12481" style="position:absolute;font-weight:bold;left:695.613px;top:413.1px;">4.52% </div><div id="a12485" style="position:absolute;font-weight:bold;left:780.773px;top:413.1px;">3.06% </div><div id="a12487" style="position:absolute;left:19.2px;top:428.2px;">Allowance coverage ratio<div 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While our non-GAAP<div style="display:inline-block;width:3.69px">&#160;</div>capital measures are<div style="display:inline-block;width:3.77px">&#160;</div>widely used by investors,<div style="display:inline-block;width:4.15px">&#160;</div>analysts and bank regulatory<div style="display:inline-block;width:4.1px">&#160;</div>agencies to assess the capital<div style="display:inline-block;width:4.24px">&#160;</div>position of financial services companies, </div><div id="a12581" style="position:absolute;left:19.2px;top:164.1px;">they may not be comparable<div style="display:inline-block;width:3.85px">&#160;</div>to similarly titled measures<div style="display:inline-block;width:3.98px">&#160;</div>reported by other companies. </div><div id="a12604" style="position:absolute;font-weight:bold;left:430.88px;top:191.3px;">2021 </div><div id="a12607" style="position:absolute;left:508.987px;top:191.3px;">2020 </div><div id="a12610" style="position:absolute;left:587.107px;top:191.3px;">2020 </div><div id="a12613" style="position:absolute;left:664.893px;top:191.3px;">2020 </div><div id="a12616" style="position:absolute;left:743.013px;top:191.3px;">2020 </div><div id="a12619" style="position:absolute;font-weight:bold;left:19.2px;top:205.1px;">(Dollars in thousands) (unaudited) </div><div id="a12623" style="position:absolute;font-weight:bold;left:435.36px;top:205.7px;">Q1 </div><div id="a12626" style="position:absolute;left:513.467px;top:205.7px;">Q4 </div><div id="a12629" style="position:absolute;left:591.587px;top:205.7px;">Q3 </div><div id="a12632" style="position:absolute;left:669.373px;top:205.7px;">Q2 </div><div id="a12635" style="position:absolute;left:747.493px;top:205.7px;">Q1 </div><div id="a12638" style="position:absolute;font-weight:bold;left:19.2px;top:220.1px;">Stockholders&apos; Equity to Non<div style="display:inline-block;width:1.41px">&#160;</div>-GAAP Tangible<div style="display:inline-block;width:3.79px">&#160;</div>Common Equity </div><div id="a12659" style="position:absolute;left:19.2px;top:234.5px;">Total stockholders&apos;<div style="display:inline-block;width:4.52px">&#160;</div>equity </div><div id="a12663" style="position:absolute;font-weight:bold;left:404.32px;top:234.5px;">$ </div><div id="a12665" style="position:absolute;font-weight:bold;left:433.12px;top:234.5px;">1,108,423 </div><div id="a12668" style="position:absolute;left:482.427px;top:234.5px;">$ </div><div id="a12670" style="position:absolute;left:511.227px;top:234.5px;">1,085,975 </div><div id="a12673" style="position:absolute;left:560.507px;top:234.5px;">$ </div><div id="a12675" style="position:absolute;left:589.347px;top:234.5px;">1,064,322 </div><div id="a12678" style="position:absolute;left:638.307px;top:234.5px;">$ </div><div id="a12680" style="position:absolute;left:667.453px;top:234.5px;">1,041,284 </div><div id="a12683" style="position:absolute;left:716.413px;top:234.5px;">$ </div><div id="a12685" style="position:absolute;left:745.253px;top:234.5px;">1,022,594 </div><div id="a12688" style="position:absolute;left:19.2px;top:247.3px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Intangible assets </div><div id="a12693" style="position:absolute;font-weight:bold;left:437.28px;top:247.3px;">(129,514) </div><div id="a12697" style="position:absolute;left:515.707px;top:247.3px;">(131,965) </div><div id="a12701" style="position:absolute;left:593.827px;top:247.3px;">(134,719) </div><div id="a12705" style="position:absolute;left:671.933px;top:247.3px;">(137,475) </div><div id="a12709" style="position:absolute;left:749.733px;top:247.3px;">(140,243) </div><div id="a12712" style="position:absolute;left:19.2px;top:261.1px;"><div style="display:inline-block;width:26.27px">&#160;</div>Noncumulative perpetual<div style="display:inline-block;width:3.9px">&#160;</div>preferred stock </div><div id="a12718" style="position:absolute;font-weight:bold;left:442.72px;top:261.1px;">(92,000) </div><div id="a12722" style="position:absolute;left:521.147px;top:261.1px;">(92,000) </div><div id="a12726" style="position:absolute;left:599.267px;top:261.1px;">(92,000) </div><div id="a12730" style="position:absolute;left:677.373px;top:261.1px;">(92,000) </div><div id="a12734" style="position:absolute;left:755.173px;top:261.1px;">(92,000) </div><div id="a12737" style="position:absolute;left:19.2px;top:274.5px;"><div style="display:inline-block;width:26.27px">&#160;</div>Noncumulative perpetual<div style="display:inline-block;width:3.9px">&#160;</div>preferred stock<div style="display:inline-block;width:3.64px">&#160;</div>issuance costs </div><div id="a12743" style="position:absolute;font-weight:bold;left:446.56px;top:274.5px;">10,130 </div><div id="a12747" style="position:absolute;left:524.667px;top:274.5px;">10,130 </div><div id="a12751" style="position:absolute;left:602.787px;top:274.5px;">10,130 </div><div id="a12755" style="position:absolute;left:680.893px;top:274.5px;">10,130 </div><div id="a12759" style="position:absolute;left:758.693px;top:274.5px;">10,130 </div><div id="a12762" style="position:absolute;left:19.2px;top:288.9px;">Tangible common<div style="display:inline-block;width:3.81px">&#160;</div>equity </div><div id="a12766" style="position:absolute;font-weight:bold;left:404.32px;top:288.9px;">$ </div><div id="a12768" style="position:absolute;font-weight:bold;left:441.12px;top:288.9px;">897,039 </div><div id="a12771" style="position:absolute;left:482.427px;top:288.9px;">$ </div><div id="a12773" style="position:absolute;left:519.227px;top:288.9px;">872,140 </div><div id="a12776" style="position:absolute;left:560.507px;top:288.9px;">$ </div><div id="a12778" style="position:absolute;left:597.347px;top:288.9px;">847,733 </div><div id="a12781" style="position:absolute;left:638.307px;top:288.9px;">$ </div><div id="a12783" style="position:absolute;left:675.453px;top:288.9px;">821,939 </div><div id="a12786" style="position:absolute;left:716.413px;top:288.9px;">$ </div><div id="a12788" style="position:absolute;left:753.253px;top:288.9px;">800,481 </div><div id="a12809" style="position:absolute;left:19.2px;top:317.1px;">Common shares outstanding<div style="display:inline-block;width:3.6px">&#160;</div>at end of period </div><div id="a12814" style="position:absolute;font-weight:bold;left:446.56px;top:317.1px;">51,579 </div><div id="a12818" style="position:absolute;left:524.667px;top:317.1px;">51,387 </div><div id="a12822" style="position:absolute;left:602.787px;top:317.1px;">51,345 </div><div id="a12826" style="position:absolute;left:680.893px;top:317.1px;">51,342 </div><div id="a12830" style="position:absolute;left:758.693px;top:317.1px;">51,327 </div><div id="a12833" style="position:absolute;left:19.2px;top:331.5px;">Tangible book<div style="display:inline-block;width:3.62px">&#160;</div>value per common share<div style="display:inline-block;width:3.75px">&#160;</div>(Non-GAAP) </div><div id="a12839" style="position:absolute;font-weight:bold;left:404.32px;top:331.5px;">$ </div><div id="a12841" style="position:absolute;font-weight:bold;left:452px;top:331.5px;">17.39 </div><div id="a12844" style="position:absolute;left:482.427px;top:331.5px;">$ </div><div id="a12846" style="position:absolute;left:530.107px;top:331.5px;">16.97 </div><div id="a12849" style="position:absolute;left:560.507px;top:331.5px;">$ </div><div id="a12851" style="position:absolute;left:608.227px;top:331.5px;">16.51 </div><div id="a12854" style="position:absolute;left:638.307px;top:331.5px;">$ </div><div id="a12856" style="position:absolute;left:686.333px;top:331.5px;">16.01 </div><div id="a12859" style="position:absolute;left:716.413px;top:331.5px;">$ </div><div id="a12861" style="position:absolute;left:764.133px;top:331.5px;">15.60 </div><div id="a12864" style="position:absolute;font-weight:bold;left:19.2px;top:347.5px;">Total Assets<div style="display:inline-block;width:3.99px">&#160;</div>to Tangible Assets </div><div id="a12883" style="position:absolute;left:19.2px;top:360.9px;">Total assets<div style="display:inline-block;width:9.03px">&#160;</div></div><div id="a12887" style="position:absolute;font-weight:bold;left:404.32px;top:360.9px;">$ </div><div id="a12889" style="position:absolute;font-weight:bold;left:427.68px;top:360.9px;">10,153,342 </div><div id="a12892" style="position:absolute;left:482.427px;top:360.9px;">$ </div><div id="a12894" style="position:absolute;left:511.227px;top:360.9px;">9,826,011 </div><div id="a12897" style="position:absolute;left:560.507px;top:360.9px;">$ </div><div id="a12899" style="position:absolute;left:583.907px;top:360.9px;">10,018,991 </div><div id="a12902" style="position:absolute;left:638.307px;top:360.9px;">$ </div><div id="a12904" style="position:absolute;left:667.453px;top:360.9px;">9,932,719 </div><div id="a12907" style="position:absolute;left:716.413px;top:360.9px;">$ </div><div id="a12909" style="position:absolute;left:745.253px;top:360.9px;">9,238,571 </div><div id="a12912" style="position:absolute;left:19.2px;top:373.7px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Intangible assets </div><div id="a12917" style="position:absolute;font-weight:bold;left:437.28px;top:373.7px;">(129,514) </div><div id="a12921" style="position:absolute;left:515.707px;top:373.7px;">(131,965) </div><div id="a12925" style="position:absolute;left:593.827px;top:373.7px;">(134,719) </div><div id="a12929" style="position:absolute;left:671.933px;top:373.7px;">(137,475) </div><div id="a12933" style="position:absolute;left:749.733px;top:373.7px;">(140,243) </div><div id="a12936" style="position:absolute;left:19.2px;top:388.2px;">Tangible assets<div style="display:inline-block;width:3.72px">&#160;</div>(Non-GAAP) </div><div id="a12942" style="position:absolute;font-weight:bold;left:404.32px;top:388.2px;">$ </div><div id="a12944" style="position:absolute;font-weight:bold;left:427.68px;top:388.2px;">10,023,828 </div><div id="a12947" style="position:absolute;left:482.427px;top:388.2px;">$ </div><div id="a12949" style="position:absolute;left:511.227px;top:388.2px;">9,694,046 </div><div id="a12952" style="position:absolute;left:560.507px;top:388.2px;">$ </div><div id="a12954" style="position:absolute;left:589.347px;top:388.2px;">9,884,272 </div><div id="a12957" style="position:absolute;left:638.307px;top:388.2px;">$ </div><div id="a12959" style="position:absolute;left:667.453px;top:388.2px;">9,795,244 </div><div id="a12962" style="position:absolute;left:716.413px;top:388.2px;">$ </div><div id="a12964" style="position:absolute;left:745.253px;top:388.2px;">9,098,328 </div><div id="a12967" style="position:absolute;font-weight:bold;left:19.2px;top:404.2px;">Non-GAAP TCE Ratio </div><div id="a12988" style="position:absolute;left:19.2px;top:417.9px;">Tangible common<div style="display:inline-block;width:3.81px">&#160;</div>equity </div><div id="a12992" style="position:absolute;font-weight:bold;left:404.32px;top:417.9px;">$ </div><div id="a12994" style="position:absolute;font-weight:bold;left:441.12px;top:417.9px;">897,039 </div><div id="a12997" style="position:absolute;left:482.427px;top:417.9px;">$ </div><div id="a12999" style="position:absolute;left:519.227px;top:417.9px;">872,140 </div><div id="a13002" style="position:absolute;left:560.507px;top:417.9px;">$ </div><div id="a13004" style="position:absolute;left:597.347px;top:417.9px;">847,733 </div><div id="a13007" style="position:absolute;left:638.307px;top:417.9px;">$ </div><div id="a13009" style="position:absolute;left:675.453px;top:417.9px;">821,939 </div><div id="a13012" style="position:absolute;left:716.413px;top:417.9px;">$ </div><div id="a13014" style="position:absolute;left:753.253px;top:417.9px;">800,481 </div><div id="a13017" style="position:absolute;left:19.2px;top:430.7px;">Tangible assets </div><div id="a13022" style="position:absolute;font-weight:bold;left:427.68px;top:430.7px;">10,023,828 </div><div id="a13026" style="position:absolute;left:511.227px;top:430.7px;">9,694,046 </div><div id="a13030" style="position:absolute;left:589.347px;top:430.7px;">9,884,272 </div><div id="a13034" style="position:absolute;left:667.453px;top:430.7px;">9,795,244 </div><div id="a13038" style="position:absolute;left:745.253px;top:430.7px;">9,098,328 </div><div id="a13041" style="position:absolute;left:19.2px;top:445.1px;">TCE ratio </div><div id="a13046" style="position:absolute;font-weight:bold;left:452.32px;top:445.1px;">8.95% </div><div id="a13050" style="position:absolute;left:530.747px;top:445.1px;">9.00% </div><div id="a13054" style="position:absolute;left:608.867px;top:445.1px;">8.58% </div><div id="a13058" style="position:absolute;left:686.973px;top:445.1px;">8.39% </div><div id="a13062" style="position:absolute;left:764.773px;top:445.1px;">8.80% </div><div id="a13065" style="position:absolute;font-weight:bold;left:19.2px;top:459.5px;">Average Equity to<div style="display:inline-block;width:3.74px">&#160;</div>Non-GAAP Average<div style="display:inline-block;width:4.31px">&#160;</div>Tangible Common<div style="display:inline-block;width:3.9px">&#160;</div>Equity </div><div id="a13086" style="position:absolute;left:19.2px;top:473.9px;">Average total stockholders&apos;<div style="display:inline-block;width:4.57px">&#160;</div>equity </div><div id="a13090" style="position:absolute;font-weight:bold;left:404.32px;top:473.9px;">$ </div><div id="a13092" style="position:absolute;font-weight:bold;left:433.12px;top:473.9px;">1,101,046 </div><div id="a13095" style="position:absolute;left:482.427px;top:473.9px;">$ </div><div id="a13097" style="position:absolute;left:511.227px;top:473.9px;">1,083,423 </div><div id="a13100" style="position:absolute;left:560.507px;top:473.9px;">$ </div><div id="a13102" style="position:absolute;left:589.347px;top:473.9px;">1,062,460 </div><div id="a13105" style="position:absolute;left:638.307px;top:473.9px;">$ </div><div id="a13107" style="position:absolute;left:667.453px;top:473.9px;">1,037,195 </div><div id="a13110" style="position:absolute;left:716.413px;top:473.9px;">$ </div><div id="a13112" style="position:absolute;left:745.253px;top:473.9px;">1,043,481 </div><div id="a13115" style="position:absolute;left:19.2px;top:486.7px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Average noncumulative<div style="display:inline-block;width:4.15px">&#160;</div>perpetual preferred<div style="display:inline-block;width:3.96px">&#160;</div>stock </div><div id="a13120" style="position:absolute;font-weight:bold;left:442.72px;top:486.7px;">(92,000) </div><div id="a13124" style="position:absolute;left:521.147px;top:486.7px;">(92,000) </div><div id="a13128" style="position:absolute;left:599.267px;top:486.7px;">(92,000) </div><div id="a13132" style="position:absolute;left:677.373px;top:486.7px;">(92,000) </div><div id="a13136" style="position:absolute;left:755.173px;top:486.7px;">(92,000) </div><div id="a13139" style="position:absolute;left:19.2px;top:500.2px;"><div style="display:inline-block;width:26.27px">&#160;</div>Average noncumulative<div style="display:inline-block;width:4.47px">&#160;</div>perpetual preferred<div style="display:inline-block;width:3.64px">&#160;</div>stock issuance costs </div><div id="a13145" style="position:absolute;font-weight:bold;left:446.56px;top:500.2px;">10,130 </div><div id="a13149" style="position:absolute;left:524.667px;top:500.2px;">10,130 </div><div id="a13153" style="position:absolute;left:602.787px;top:500.2px;">10,130 </div><div id="a13157" style="position:absolute;left:680.893px;top:500.2px;">10,130 </div><div id="a13161" style="position:absolute;left:758.693px;top:500.2px;">10,130 </div><div id="a13164" style="position:absolute;left:19.2px;top:513.9px;">Average total common<div style="display:inline-block;width:3.81px">&#160;</div>stockholders&apos; equity </div><div id="a13169" style="position:absolute;font-weight:bold;left:404.32px;top:513.9px;">$ </div><div id="a13171" style="position:absolute;font-weight:bold;left:433.12px;top:513.9px;">1,019,176 </div><div id="a13174" style="position:absolute;left:482.427px;top:513.9px;">$ </div><div id="a13176" style="position:absolute;left:511.227px;top:513.9px;">1,001,553 </div><div id="a13179" style="position:absolute;left:560.507px;top:513.9px;">$ </div><div id="a13181" style="position:absolute;left:597.347px;top:513.9px;">980,590 </div><div id="a13184" style="position:absolute;left:638.307px;top:513.9px;">$ </div><div id="a13186" style="position:absolute;left:675.453px;top:513.9px;">955,325 </div><div id="a13189" style="position:absolute;left:716.413px;top:513.9px;">$ </div><div id="a13191" style="position:absolute;left:753.253px;top:513.9px;">961,611 </div><div id="a13194" style="position:absolute;left:19.2px;top:527.7px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Average intangible<div style="display:inline-block;width:3.81px">&#160;</div>assets </div><div id="a13199" style="position:absolute;font-weight:bold;left:437.28px;top:527.7px;">(130,767) </div><div id="a13203" style="position:absolute;left:515.707px;top:527.7px;">(133,542) </div><div id="a13207" style="position:absolute;left:593.827px;top:527.7px;">(136,138) </div><div id="a13211" style="position:absolute;left:671.933px;top:527.7px;">(139,094) </div><div id="a13215" style="position:absolute;left:749.733px;top:527.7px;">(141,875) </div><div id="a13218" style="position:absolute;left:19.2px;top:541.8px;">Average tangible<div style="display:inline-block;width:3.71px">&#160;</div>common equity </div><div id="a13223" style="position:absolute;font-weight:bold;left:404.32px;top:541.8px;">$ </div><div id="a13225" style="position:absolute;font-weight:bold;left:441.12px;top:541.8px;">888,409 </div><div id="a13228" style="position:absolute;left:482.427px;top:541.8px;">$ </div><div id="a13230" style="position:absolute;left:519.227px;top:541.8px;">868,011 </div><div id="a13233" style="position:absolute;left:560.507px;top:541.8px;">$ </div><div id="a13235" style="position:absolute;left:597.347px;top:541.8px;">844,452 </div><div id="a13238" style="position:absolute;left:638.307px;top:541.8px;">$ </div><div id="a13240" style="position:absolute;left:675.453px;top:541.8px;">816,231 </div><div id="a13243" style="position:absolute;left:716.413px;top:541.8px;">$ </div><div id="a13245" style="position:absolute;left:753.253px;top:541.8px;">819,736 </div><div id="a13284" style="position:absolute;left:399.84px;top:583.4px;">12 </div><div id="a13287" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:596.4px;"><div style="display:inline-block;width:3.84px">&#160;</div></div></div>
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<div id="a13289" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a13291" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a13293" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.9px;">OFG Bancorp (NYSE: OFG) </div><div id="a13312" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:85.5px;">Table 8-2: Reconciliation of GAAP to Non-GAAP Measures and Calculation<div style="display:inline-block;width:1.47px">&#160;</div>of Regulatory Capital Measures (Continued) </div><div id="a13324" style="position:absolute;font-weight:bold;left:594.147px;top:121.8px;">BASEL III<div style="display:inline-block;width:2.98px">&#160;</div></div><div id="a13330" style="position:absolute;font-weight:bold;left:584.227px;top:135.9px;">Standardized </div><div id="a13336" style="position:absolute;font-weight:bold;left:460.32px;top:150px;">2021 </div><div id="a13339" style="position:absolute;left:531.387px;top:150px;">2020 </div><div id="a13342" style="position:absolute;left:602.467px;top:150px;">2020 </div><div id="a13345" style="position:absolute;left:673.533px;top:150px;">2020 </div><div id="a13348" style="position:absolute;left:744.613px;top:150px;">2020 </div><div id="a13351" style="position:absolute;font-weight:bold;left:19.2px;top:163.5px;">(Dollars in thousands) (unaudited) </div><div id="a13355" style="position:absolute;font-weight:bold;left:464.8px;top:163.8px;">Q1 </div><div id="a13358" style="position:absolute;left:536.187px;top:163.8px;">Q4 </div><div id="a13361" style="position:absolute;left:607.267px;top:163.8px;">Q3 </div><div id="a13364" style="position:absolute;left:678.333px;top:163.8px;">Q2 </div><div id="a13367" style="position:absolute;left:749.413px;top:163.8px;">Q1 </div><div id="a13370" style="position:absolute;font-weight:bold;left:19.2px;top:178.2px;">Regulatory Capital Metrics </div><div id="a13389" style="position:absolute;left:19.2px;top:192.3px;">Common equity Tier 1 capital </div><div id="a13393" style="position:absolute;font-weight:bold;left:437.28px;top:192.3px;">$ </div><div id="a13395" style="position:absolute;font-weight:bold;left:467.04px;top:192.3px;">919,856 </div><div id="a13398" style="position:absolute;left:508.347px;top:192.3px;">$ </div><div id="a13400" style="position:absolute;left:538.107px;top:192.3px;">894,074 </div><div id="a13403" style="position:absolute;left:579.427px;top:192.3px;">$ </div><div id="a13405" style="position:absolute;left:609.187px;top:192.3px;">862,636 </div><div id="a13408" style="position:absolute;left:650.493px;top:192.3px;">$ </div><div id="a13410" style="position:absolute;left:680.253px;top:192.3px;">836,899 </div><div id="a13413" style="position:absolute;left:721.533px;top:192.3px;">$ </div><div id="a13415" style="position:absolute;left:751.333px;top:192.3px;">816,356 </div><div id="a13418" style="position:absolute;left:19.2px;top:205.7px;">Tier 1 capital </div><div id="a13423" style="position:absolute;font-weight:bold;left:459.04px;top:205.7px;">1,036,726 </div><div id="a13427" style="position:absolute;left:530.107px;top:205.7px;">1,010,944 </div><div id="a13431" style="position:absolute;left:609.187px;top:205.7px;">979,506 </div><div id="a13435" style="position:absolute;left:680.253px;top:205.7px;">953,769 </div><div id="a13439" style="position:absolute;left:751.333px;top:205.7px;">933,226 </div><div id="a13442" style="position:absolute;left:19.2px;top:219.8px;">Total risk-based<div style="display:inline-block;width:3.89px">&#160;</div>capital </div><div id="a13446" style="position:absolute;font-size:8px;left:419.36px;top:218.7px;">(15) </div><div id="a13450" style="position:absolute;font-weight:bold;left:459.04px;top:219.8px;">1,121,832 </div><div id="a13454" style="position:absolute;left:530.107px;top:219.8px;">1,096,764 </div><div id="a13458" style="position:absolute;left:601.187px;top:219.8px;">1,065,744 </div><div id="a13462" style="position:absolute;left:672.253px;top:219.8px;">1,040,987 </div><div id="a13466" style="position:absolute;left:743.333px;top:219.8px;">1,020,748 </div><div id="a13469" style="position:absolute;left:19.2px;top:233.9px;">Risk-weighted assets </div><div id="a13476" style="position:absolute;font-weight:bold;left:459.04px;top:233.9px;">6,782,921 </div><div id="a13480" style="position:absolute;left:530.107px;top:233.9px;">6,837,846 </div><div id="a13484" style="position:absolute;left:601.187px;top:233.9px;">6,875,108 </div><div id="a13488" style="position:absolute;left:672.253px;top:233.9px;">6,957,906 </div><div id="a13492" style="position:absolute;left:743.333px;top:233.9px;">6,983,626 </div><div id="a13494" style="position:absolute;font-size:8px;left:789.413px;top:236.9px;">(a) </div><div id="a13496" style="position:absolute;font-weight:bold;left:19.2px;top:248.3px;">Regulatory Capital Ratios </div><div id="a13515" style="position:absolute;left:19.2px;top:262px;">Common equity Tier 1 capital<div style="display:inline-block;width:3.62px">&#160;</div>ratio </div><div id="a13517" style="position:absolute;font-size:8px;left:419.36px;top:261.9px;">(16) </div><div id="a13521" style="position:absolute;font-weight:bold;left:473.12px;top:262px;">13.56% </div><div id="a13525" style="position:absolute;left:544.507px;top:262px;">13.08% </div><div id="a13529" style="position:absolute;left:615.587px;top:262px;">12.55% </div><div id="a13533" style="position:absolute;left:686.653px;top:262px;">12.03% </div><div id="a13537" style="position:absolute;left:757.733px;top:262px;">11.69% </div><div id="a13540" style="position:absolute;left:19.2px;top:275.8px;">Tier 1 risk-based capital ratio </div><div id="a13544" style="position:absolute;font-size:8px;left:419.36px;top:274.7px;">(17) </div><div id="a13548" style="position:absolute;font-weight:bold;left:473.12px;top:275.8px;">15.28% </div><div id="a13552" style="position:absolute;left:544.507px;top:275.8px;">14.78% </div><div id="a13556" style="position:absolute;left:615.587px;top:275.8px;">14.25% </div><div id="a13560" style="position:absolute;left:686.653px;top:275.8px;">13.71% </div><div id="a13564" style="position:absolute;left:757.733px;top:275.8px;">13.36% </div><div id="a13567" style="position:absolute;left:19.2px;top:289.9px;">Total risk-based<div style="display:inline-block;width:3.89px">&#160;</div>capital ratio </div><div id="a13571" style="position:absolute;font-size:8px;left:419.36px;top:288.8px;">(18) </div><div id="a13575" style="position:absolute;font-weight:bold;left:473.12px;top:289.9px;">16.54% </div><div id="a13579" style="position:absolute;left:544.507px;top:289.9px;">16.04% </div><div id="a13583" style="position:absolute;left:615.587px;top:289.9px;">15.50% </div><div id="a13587" style="position:absolute;left:686.653px;top:289.9px;">14.96% </div><div id="a13591" style="position:absolute;left:757.733px;top:289.9px;">14.62% </div><div id="a13594" style="position:absolute;left:19.2px;top:304px;">Leverage ratio </div><div id="a13596" style="position:absolute;font-size:8px;left:419.36px;top:302.6px;">(19) </div><div id="a13600" style="position:absolute;font-weight:bold;left:473.12px;top:304px;">10.48% </div><div id="a13604" style="position:absolute;left:544.507px;top:304px;">10.30% </div><div id="a13608" style="position:absolute;left:615.587px;top:304px;">10.00% </div><div id="a13612" style="position:absolute;left:686.653px;top:304px;">10.16% </div><div id="a13616" style="position:absolute;left:757.733px;top:304px;">10.14% </div><div id="a13637" style="position:absolute;font-weight:bold;left:19.2px;top:332.1px;">Common Equity Tier 1 Capital Ratio<div style="display:inline-block;width:4.06px">&#160;</div>Under Basel III Standardized<div style="display:inline-block;width:4.02px">&#160;</div>Approach </div><div id="a13656" style="position:absolute;left:19.2px;top:346.2px;">Total stockholders&apos;<div style="display:inline-block;width:4.52px">&#160;</div>equity </div><div id="a13659" style="position:absolute;font-size:8px;left:421.28px;top:349px;">(1) </div><div id="a13662" style="position:absolute;font-weight:bold;left:437.28px;top:346.2px;">$ </div><div id="a13664" style="position:absolute;font-weight:bold;left:459.04px;top:346.2px;">1,108,423 </div><div id="a13667" style="position:absolute;left:508.347px;top:346.2px;">$ </div><div id="a13669" style="position:absolute;left:530.107px;top:346.2px;">1,085,975 </div><div id="a13672" style="position:absolute;left:579.427px;top:346.2px;">$ </div><div id="a13674" style="position:absolute;left:601.187px;top:346.2px;">1,064,322 </div><div id="a13677" style="position:absolute;left:650.493px;top:346.2px;">$ </div><div id="a13679" style="position:absolute;left:672.253px;top:346.2px;">1,041,284 </div><div id="a13682" style="position:absolute;left:721.533px;top:346.2px;">$ </div><div id="a13684" style="position:absolute;left:743.333px;top:346.2px;">1,022,594 </div><div id="a13687" style="position:absolute;left:19.2px;top:360.3px;">Plus: CECL transition adjustment </div><div id="a13689" style="position:absolute;font-size:8px;left:419.36px;top:363px;">(20) </div><div id="a13693" style="position:absolute;font-weight:bold;left:472.48px;top:360.3px;">33,637 </div><div id="a13697" style="position:absolute;left:543.547px;top:360.3px;">34,646 </div><div id="a13701" style="position:absolute;left:614.627px;top:360.3px;">33,494 </div><div id="a13705" style="position:absolute;left:685.693px;top:360.3px;">32,269 </div><div id="a13709" style="position:absolute;left:756.773px;top:360.3px;">31,882 </div><div id="a13712" style="position:absolute;left:19.2px;top:373.7px;">Less:<div style="display:inline-block;width:4.82px">&#160;</div>Noncumulative perpetual<div style="display:inline-block;width:3.9px">&#160;</div>preferred stock </div><div id="a13717" style="position:absolute;font-weight:bold;left:468.96px;top:373.7px;">(92,000) </div><div id="a13721" style="position:absolute;left:540.347px;top:373.7px;">(92,000) </div><div id="a13725" style="position:absolute;left:611.427px;top:373.7px;">(92,000) </div><div id="a13729" style="position:absolute;left:682.493px;top:373.7px;">(92,000) </div><div id="a13733" style="position:absolute;left:753.573px;top:373.7px;">(92,000) </div><div id="a13736" style="position:absolute;left:19.2px;top:387.8px;"><div style="display:inline-block;width:24.03px">&#160;</div>Noncumulative perpetual<div style="display:inline-block;width:3.58px">&#160;</div>preferred stock<div style="display:inline-block;width:3.96px">&#160;</div>issuance costs </div><div id="a13742" style="position:absolute;font-weight:bold;left:472.48px;top:387.8px;">10,130 </div><div id="a13746" style="position:absolute;left:543.547px;top:387.8px;">10,130 </div><div id="a13750" style="position:absolute;left:614.627px;top:387.8px;">10,130 </div><div id="a13754" style="position:absolute;left:685.693px;top:387.8px;">10,130 </div><div id="a13758" style="position:absolute;left:756.773px;top:387.8px;">10,130 </div><div id="a13761" style="position:absolute;left:19.2px;top:401.9px;"><div style="display:inline-block;width:24.03px">&#160;</div>Unrealized gains on available<div style="display:inline-block;width:2.13px">&#160;</div>-for-sale securities, net<div style="display:inline-block;width:3.67px">&#160;</div>of income tax </div><div id="a13771" style="position:absolute;font-weight:bold;left:474.4px;top:401.9px;">(7,146) </div><div id="a13775" style="position:absolute;left:540.347px;top:401.9px;">(12,091) </div><div id="a13779" style="position:absolute;left:616.867px;top:401.9px;">(9,453) </div><div id="a13783" style="position:absolute;left:687.933px;top:401.9px;">(8,885) </div><div id="a13787" style="position:absolute;left:759.013px;top:401.9px;">(7,576) </div><div id="a13790" style="position:absolute;left:19.2px;top:416px;"><div style="display:inline-block;width:24.03px">&#160;</div>Unrealized losses on<div style="display:inline-block;width:3.59px">&#160;</div>cash flow hedges, net of income<div style="display:inline-block;width:4.05px">&#160;</div>tax </div><div id="a13796" style="position:absolute;font-weight:bold;left:485.947px;top:416px;">916 </div><div id="a13800" style="position:absolute;left:548.987px;top:416px;">1,069 </div><div id="a13804" style="position:absolute;left:620.067px;top:416px;">1,185 </div><div id="a13808" style="position:absolute;left:691.133px;top:416px;">1,297 </div><div id="a13812" style="position:absolute;left:762.213px;top:416px;">1,286 </div><div id="a13819" style="position:absolute;font-weight:bold;left:459.04px;top:429.8px;">1,053,960 </div><div id="a13823" style="position:absolute;left:530.107px;top:429.8px;">1,027,729 </div><div id="a13827" style="position:absolute;left:601.187px;top:429.8px;">1,007,678 </div><div id="a13831" style="position:absolute;left:680.253px;top:429.8px;">984,095 </div><div id="a13835" style="position:absolute;left:751.333px;top:429.8px;">966,316 </div><div id="a13838" style="position:absolute;left:19.2px;top:443.8px;">Less:<div style="display:inline-block;width:9.62px">&#160;</div>Disallowed goodwill </div><div id="a13843" style="position:absolute;font-weight:bold;left:468.96px;top:443.8px;">(86,069) </div><div id="a13847" style="position:absolute;left:540.347px;top:443.8px;">(86,069) </div><div id="a13851" style="position:absolute;left:611.427px;top:443.8px;">(86,069) </div><div id="a13855" style="position:absolute;left:682.493px;top:443.8px;">(86,069) </div><div id="a13859" style="position:absolute;left:753.573px;top:443.8px;">(86,069) </div><div id="a13862" style="position:absolute;left:19.2px;top:457.9px;"><div style="display:inline-block;width:28.83px">&#160;</div>Disallowed other intangible<div style="display:inline-block;width:3.67px">&#160;</div>assets, net </div><div id="a13868" style="position:absolute;font-weight:bold;left:468.96px;top:457.9px;">(30,172) </div><div id="a13872" style="position:absolute;left:540.347px;top:457.9px;">(32,073) </div><div id="a13876" style="position:absolute;left:611.427px;top:457.9px;">(33,810) </div><div id="a13880" style="position:absolute;left:682.493px;top:457.9px;">(35,563) </div><div id="a13884" style="position:absolute;left:753.573px;top:457.9px;">(37,241) </div><div id="a13887" style="position:absolute;left:19.2px;top:472px;"><div style="display:inline-block;width:28.83px">&#160;</div>Disallowed deferred<div style="display:inline-block;width:3.84px">&#160;</div>tax assets, net </div><div id="a13893" style="position:absolute;font-weight:bold;left:468.96px;top:472px;">(17,863) </div><div id="a13897" style="position:absolute;left:540.347px;top:472px;">(15,513) </div><div id="a13901" style="position:absolute;left:611.427px;top:472px;">(25,163) </div><div id="a13905" style="position:absolute;left:682.493px;top:472px;">(25,564) </div><div id="a13909" style="position:absolute;left:753.573px;top:472px;">(26,650) </div><div id="a13911" style="position:absolute;font-size:8px;left:789.413px;top:475.1px;">(a) </div><div id="a13913" style="position:absolute;left:19.2px;top:485.8px;">Common equity Tier 1 capital </div><div id="a13918" style="position:absolute;font-weight:bold;left:467.04px;top:485.8px;">919,856 </div><div id="a13922" style="position:absolute;left:538.107px;top:485.8px;">894,074 </div><div id="a13926" style="position:absolute;left:609.187px;top:485.8px;">862,636 </div><div id="a13930" style="position:absolute;left:680.253px;top:485.8px;">836,899 </div><div id="a13934" style="position:absolute;left:751.333px;top:485.8px;">816,356 </div><div id="a13937" style="position:absolute;left:19.2px;top:499.9px;">Plus:<div style="display:inline-block;width:4.9px">&#160;</div>Qualifying noncumulative perpetual<div style="display:inline-block;width:4.03px">&#160;</div>preferred stock </div><div id="a13942" style="position:absolute;font-weight:bold;left:472.48px;top:499.9px;">92,000 </div><div id="a13946" style="position:absolute;left:543.547px;top:499.9px;">92,000 </div><div id="a13950" style="position:absolute;left:614.627px;top:499.9px;">92,000 </div><div id="a13954" style="position:absolute;left:685.693px;top:499.9px;">92,000 </div><div id="a13958" style="position:absolute;left:756.773px;top:499.9px;">92,000 </div><div id="a13961" style="position:absolute;left:19.2px;top:513.9px;"><div style="display:inline-block;width:28.83px">&#160;</div>Qualifying noncumulative perpetual<div style="display:inline-block;width:4.03px">&#160;</div>preferred stock<div style="display:inline-block;width:3.96px">&#160;</div>issuance costs </div><div id="a13967" style="position:absolute;font-weight:bold;left:468.96px;top:513.9px;">(10,130) </div><div id="a13971" style="position:absolute;left:540.347px;top:513.9px;">(10,130) </div><div id="a13975" style="position:absolute;left:611.427px;top:513.9px;">(10,130) </div><div id="a13979" style="position:absolute;left:682.493px;top:513.9px;">(10,130) </div><div id="a13983" style="position:absolute;left:753.573px;top:513.9px;">(10,130) </div><div id="a13986" style="position:absolute;left:19.2px;top:528px;"><div style="display:inline-block;width:28.83px">&#160;</div>Subordinated capital<div style="display:inline-block;width:3.71px">&#160;</div>notes </div><div id="a13992" style="position:absolute;font-weight:bold;left:472.48px;top:528px;">35,000 </div><div id="a13996" style="position:absolute;left:543.547px;top:528px;">35,000 </div><div id="a14000" style="position:absolute;left:614.627px;top:528px;">35,000 </div><div id="a14004" style="position:absolute;left:685.693px;top:528px;">35,000 </div><div id="a14008" style="position:absolute;left:756.773px;top:528px;">35,000 </div><div id="a14011" style="position:absolute;left:19.2px;top:541.8px;">Tier 1 capital </div><div id="a14016" style="position:absolute;font-weight:bold;left:459.04px;top:541.8px;">1,036,726 </div><div id="a14020" style="position:absolute;left:530.107px;top:541.8px;">1,010,944 </div><div id="a14024" style="position:absolute;left:609.187px;top:541.8px;">979,506 </div><div id="a14028" style="position:absolute;left:680.253px;top:541.8px;">953,769 </div><div id="a14032" style="position:absolute;left:751.333px;top:541.8px;">933,226 </div><div id="a14035" style="position:absolute;left:19.2px;top:555.9px;">Plus tier 2 capital:<div style="display:inline-block;width:5.51px">&#160;</div>Qualifying allowance for<div style="display:inline-block;width:3.75px">&#160;</div>loan and lease losses </div><div id="a14040" style="position:absolute;font-weight:bold;left:472.48px;top:555.9px;">85,106 </div><div id="a14044" style="position:absolute;left:543.547px;top:555.9px;">85,820 </div><div id="a14048" style="position:absolute;left:614.627px;top:555.9px;">86,238 </div><div id="a14052" style="position:absolute;left:685.693px;top:555.9px;">87,218 </div><div id="a14056" style="position:absolute;left:756.773px;top:555.9px;">87,522 </div><div id="a14059" style="position:absolute;left:19.2px;top:569.9px;">Total risk-based<div style="display:inline-block;width:3.89px">&#160;</div>capital </div><div id="a14065" style="position:absolute;font-weight:bold;left:437.28px;top:569.9px;">$ </div><div id="a14067" style="position:absolute;font-weight:bold;left:459.04px;top:569.9px;">1,121,832 </div><div id="a14070" style="position:absolute;left:508.347px;top:569.9px;">$ </div><div id="a14072" style="position:absolute;left:530.107px;top:569.9px;">1,096,764 </div><div id="a14075" style="position:absolute;left:579.427px;top:569.9px;">$ </div><div id="a14077" style="position:absolute;left:601.187px;top:569.9px;">1,065,744 </div><div id="a14080" style="position:absolute;left:650.493px;top:569.9px;">$ </div><div id="a14082" style="position:absolute;left:672.253px;top:569.9px;">1,040,987 </div><div id="a14085" style="position:absolute;left:721.533px;top:569.9px;">$ </div><div id="a14087" style="position:absolute;left:743.333px;top:569.9px;">1,020,748 </div><div id="a14108" style="position:absolute;left:19.2px;top:596.8px;">(a) During 1Q 2020, the Company<div style="display:inline-block;width:3.92px">&#160;</div>early implemented Simplifications<div style="display:inline-block;width:4.04px">&#160;</div>to the Capital Rule, which<div style="display:inline-block;width:3.71px">&#160;</div>increased common<div style="display:inline-block;width:3.57px">&#160;</div>equity tier 1 (CET1) capital<div style="display:inline-block;width:3.83px">&#160;</div>threshold 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<div id="a14136" style="position:absolute;font-size:13.44px;left:19.2px;top:48px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a14138" style="position:absolute;font-size:13.44px;left:19.2px;top:992px;"><div style="display:inline-block;width:2.88px">&#160;</div></div><div id="a14140" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:66.3px;">OFG Bancorp (NYSE: OFG) </div><div id="a14145" style="position:absolute;font-size:13.44px;font-weight:bold;left:19.2px;top:84.8px;">Table 9: Notes to Financial Summary, Selected Metrics, Loans, and Consolidated Financial<div style="display:inline-block;width:1.53px">&#160;</div>Statements (Tables 1 - 8) </div><div id="a14163" style="position:absolute;left:25.6px;top:115.1px;">(1) </div><div id="a14165" style="position:absolute;left:49.312px;top:115.1px;">We used the terms &quot;PCI&quot;<div style="display:inline-block;width:3.67px">&#160;</div>and &quot;SOP&quot; to refer<div style="display:inline-block;width:3.88px">&#160;</div>to loans acquired with<div style="display:inline-block;width:3.6px">&#160;</div>credit deterioration<div style="display:inline-block;width:3.92px">&#160;</div>from the Scotiabank<div style="display:inline-block;width:3.61px">&#160;</div>acquisition (December 31, 2019),<div style="display:inline-block;width:3.91px">&#160;</div>the BBVAPR acquisition </div><div id="a14167" style="position:absolute;left:49.312px;top:128.2px;">(December 18, 2012) and the Eurobank<div style="display:inline-block;width:4.09px">&#160;</div>FDIC-Assisted acquisition (April<div style="display:inline-block;width:3.96px">&#160;</div>30, 2010), recorded at<div style="display:inline-block;width:3.68px">&#160;</div>fair value at acquisition.<div style="display:inline-block;width:3.84px">&#160;</div>On January 1, 2020, the Company<div style="display:inline-block;width:4.01px">&#160;</div>implemented </div><div id="a14172" style="position:absolute;left:49.312px;top:141.3px;">ASU No. 2016-13: Measurement<div style="display:inline-block;width:3.78px">&#160;</div>of Credit Losses on Financial<div style="display:inline-block;width:3.95px">&#160;</div>Instruments &quot;(CECL)&quot; using<div style="display:inline-block;width:3.61px">&#160;</div>the modified retrospective<div style="display:inline-block;width:3.9px">&#160;</div>approach. CECL replaces<div style="display:inline-block;width:4px">&#160;</div>the concept of purchased </div><div id="a14176" style="position:absolute;left:49.312px;top:154.1px;">credit impaired loans (PCI) with<div style="display:inline-block;width:3.75px">&#160;</div>the concept of purchased<div style="display:inline-block;width:3.79px">&#160;</div>financial assets with credit<div style="display:inline-block;width:4.2px">&#160;</div>deterioration (PCD). 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See &quot;Table<div style="display:inline-block;width:4.47px">&#160;</div>9: </div><div id="a14214" style="position:absolute;left:49.312px;top:285.7px;">Reconciliation of GAAP to<div style="display:inline-block;width:3.92px">&#160;</div>Non-GAAP Measures and Calculation<div style="display:inline-block;width:4.24px">&#160;</div>of Regulatory Capital<div style="display:inline-block;width:3.78px">&#160;</div>Measures&quot; for additional<div style="display:inline-block;width:3.74px">&#160;</div>information. </div><div id="a14218" style="position:absolute;left:25.6px;top:298.8px;">(6) </div><div id="a14220" style="position:absolute;left:49.312px;top:299.2px;">Information includes all loans<div style="display:inline-block;width:3.91px">&#160;</div>held for investment,<div style="display:inline-block;width:3.86px">&#160;</div>including PCD loans. </div><div id="a14222" style="position:absolute;left:25.6px;top:312.3px;">(7) </div><div id="a14224" style="position:absolute;left:49.312px;top:312.9px;">Calculated based on annualized<div style="display:inline-block;width:4.02px">&#160;</div>net interest income<div style="display:inline-block;width:3.8px">&#160;</div>for the period divided<div style="display:inline-block;width:3.99px">&#160;</div>by average interest<div style="display:inline-block;width:1.88px">&#160;</div>-earning assets for the period. </div><div id="a14229" style="position:absolute;left:25.6px;top:326px;">(8) </div><div id="a14231" style="position:absolute;left:49.312px;top:326.4px;">Calculated based on annualized<div style="display:inline-block;width:3.98px">&#160;</div>income, net of tax, for<div style="display:inline-block;width:3.87px">&#160;</div>the period divided by average<div style="display:inline-block;width:4.35px">&#160;</div>total assets for the<div style="display:inline-block;width:3.69px">&#160;</div>period. </div><div id="a14233" style="position:absolute;left:25.6px;top:339.5px;">(9) </div><div id="a14235" style="position:absolute;left:49.312px;top:340.1px;">Calculated based on annualized<div style="display:inline-block;width:4.02px">&#160;</div>income available to<div style="display:inline-block;width:3.65px">&#160;</div>common shareholders<div style="display:inline-block;width:4.01px">&#160;</div>for the period divided by average<div style="display:inline-block;width:4.43px">&#160;</div>tangible common equity<div style="display:inline-block;width:3.73px">&#160;</div>for the period. </div><div id="a14238" style="position:absolute;left:22.72px;top:353.2px;">(10) </div><div id="a14240" style="position:absolute;left:49.312px;top:353.6px;">Calculated based on non-interest<div style="display:inline-block;width:4.29px">&#160;</div>expense for the period<div style="display:inline-block;width:3.94px">&#160;</div>divided by total net interest<div style="display:inline-block;width:4.15px">&#160;</div>income and total banking<div style="display:inline-block;width:3.93px">&#160;</div>and financial services revenues<div style="display:inline-block;width:3.92px">&#160;</div>for the period. </div><div id="a14245" style="position:absolute;left:22.72px;top:366.7px;">(11) </div><div id="a14247" style="position:absolute;left:49.312px;top:367.3px;">Calculated based on annualized<div style="display:inline-block;width:3.98px">&#160;</div>net charge-offs<div style="display:inline-block;width:3.67px">&#160;</div>for the period divided by average<div style="display:inline-block;width:4.43px">&#160;</div>loans held for investment<div style="display:inline-block;width:4.42px">&#160;</div>for the period. </div><div id="a14251" style="position:absolute;left:22.72px;top:380.4px;">(12) </div><div id="a14253" style="position:absolute;left:49.312px;top:380.4px;">Non-GAAP ratios. See &quot;Table<div style="display:inline-block;width:4.46px">&#160;</div>9: Reconciliation<div style="display:inline-block;width:3.6px">&#160;</div>of GAAP to Non-GAAP Measures<div style="display:inline-block;width:4.01px">&#160;</div>and Calculation of Regulatory<div style="display:inline-block;width:4.32px">&#160;</div>Capital Measures&quot; for information<div style="display:inline-block;width:4.94px">&#160;</div>on the calculation of </div><div id="a14259" style="position:absolute;left:49.312px;top:393.3px;">each of these ratios. </div><div id="a14261" style="position:absolute;left:22.72px;top:406.4px;">(13) </div><div id="a14263" style="position:absolute;left:49.312px;top:407px;">Production of new loans (excluding<div style="display:inline-block;width:4.14px">&#160;</div>renewals). </div><div id="a14265" style="position:absolute;left:22.72px;top:419.8px;">(14) </div><div id="a14267" style="position:absolute;left:49.312px;top:419.8px;">Most PCD loans are considered<div style="display:inline-block;width:3.9px">&#160;</div>to be performing due<div style="display:inline-block;width:3.61px">&#160;</div>to the application of the<div style="display:inline-block;width:3.86px">&#160;</div>accretion method, in which<div style="display:inline-block;width:3.7px">&#160;</div>these loans will accrete<div style="display:inline-block;width:3.84px">&#160;</div>interest income over<div style="display:inline-block;width:4.08px">&#160;</div>the remaining </div><div id="a14269" style="position:absolute;left:49.312px;top:433px;">life of the loans using estimated<div style="display:inline-block;width:4.15px">&#160;</div>cash flow analyses. Therefore,<div style="display:inline-block;width:4.52px">&#160;</div>they are not included as non-performing<div style="display:inline-block;width:4.27px">&#160;</div>loans. PCD loan pools that<div style="display:inline-block;width:3.89px">&#160;</div>are not accreting interest<div style="display:inline-block;width:4.22px">&#160;</div>income </div><div id="a14272" style="position:absolute;left:49.312px;top:446.1px;">are deemed to be non-performing<div style="display:inline-block;width:3.91px">&#160;</div>loans and presented<div style="display:inline-block;width:3.82px">&#160;</div>separately. </div><div id="a14278" style="position:absolute;left:22.72px;top:459.2px;">(15) </div><div id="a14280" style="position:absolute;left:49.312px;top:459.5px;">Total risk-based<div style="display:inline-block;width:3.86px">&#160;</div>capital equals the sum<div style="display:inline-block;width:3.64px">&#160;</div>of Tier 1 capital and Tier<div style="display:inline-block;width:3.66px">&#160;</div>2 capital. </div><div id="a14284" style="position:absolute;left:22.72px;top:472.6px;">(16) </div><div id="a14286" style="position:absolute;left:49.312px;top:473.3px;">Common 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style="display:inline-block;width:3.68px">&#160;</div>assets. </div><div id="a14299" style="position:absolute;left:22.72px;top:499.9px;">(18) </div><div id="a14301" style="position:absolute;left:49.312px;top:500.5px;">Total risk-based<div style="display:inline-block;width:3.86px">&#160;</div>capital ratio is a<div style="display:inline-block;width:3.69px">&#160;</div>regulatory capital measure<div style="display:inline-block;width:4.27px">&#160;</div>calculated based on Total<div style="display:inline-block;width:4.67px">&#160;</div>risk-based capital divided<div style="display:inline-block;width:3.99px">&#160;</div>by risk-weighted assets. </div><div id="a14310" style="position:absolute;left:22.72px;top:513.6px;">(19) </div><div id="a14312" style="position:absolute;left:49.312px;top:513.9px;">Leverage capital ratio<div style="display:inline-block;width:4.11px">&#160;</div>is a regulatory capital<div style="display:inline-block;width:4.07px">&#160;</div>measure calculated based on<div style="display:inline-block;width:3.8px">&#160;</div>Tier 1 capital divided<div style="display:inline-block;width:3.65px">&#160;</div>by average assets,<div style="display:inline-block;width:3.63px">&#160;</div>after certain<div style="display:inline-block;width:3.71px">&#160;</div>adjustments. </div><div id="a14315" style="position:absolute;left:22.72px;top:527.1px;">(20) </div><div id="a14317" style="position:absolute;left:49.312px;top:527.1px;">In March 2020, in light of recent<div style="display:inline-block;width:3.84px">&#160;</div>strains on the U.S.<div style="display:inline-block;width:4.03px">&#160;</div>economy as a result of the<div style="display:inline-block;width:3.71px">&#160;</div>coronavirus disease 2019<div style="display:inline-block;width:3.69px">&#160;</div>(COVID-19), the<div style="display:inline-block;width:3.62px">&#160;</div>Board of Governors<div style="display:inline-block;width:3.8px">&#160;</div>of the Federal Reserve </div><div id="a14321" style="position:absolute;left:49.312px;top:540.2px;">System, the Federal<div style="display:inline-block;width:4.02px">&#160;</div>Deposit Insurance Corporation,<div style="display:inline-block;width:4.05px">&#160;</div>and the Office of the Comptroller<div style="display:inline-block;width:4.3px">&#160;</div>of the Currency issued an interim<div style="display:inline-block;width:4.12px">&#160;</div>final rule that provided<div style="display:inline-block;width:3.63px">&#160;</div>the option to </div><div id="a14323" style="position:absolute;left:49.312px;top:553px;">temporarily delay the<div style="display:inline-block;width:3.64px">&#160;</div>effects of CECL<div style="display:inline-block;width:3.63px">&#160;</div>on regulatory capital<div style="display:inline-block;width:3.76px">&#160;</div>for two years,<div style="display:inline-block;width:3.59px">&#160;</div>followed by a three<div style="display:inline-block;width:1.77px">&#160;</div>-year transition period.<div style="display:inline-block;width:3.92px">&#160;</div>In addition, for the first<div style="display:inline-block;width:3.7px">&#160;</div>two years, a uniform<div style="display:inline-block;width:3.95px">&#160;</div>25% </div><div id="a14326" style="position:absolute;left:49.312px;top:566.1px;">&#8220;scaling factor&#8221; is introduced<div style="display:inline-block;width:3.83px">&#160;</div>to approximate<div style="display:inline-block;width:3.63px">&#160;</div>the portion of the post day<div style="display:inline-block;width:1.73px">&#160;</div>-one allowance attributable<div style="display:inline-block;width:3.89px">&#160;</div>to CECL relative to<div style="display:inline-block;width:3.96px">&#160;</div>the incurred loss methodology.<div style="display:inline-block;width:4.4px">&#160;</div>The 25% scaling </div><div id="a14330" style="position:absolute;left:49.312px;top:579.2px;">factor is calibrated<div style="display:inline-block;width:3.84px">&#160;</div>to approximate<div style="display:inline-block;width:3.63px">&#160;</div>an overall after<div style="display:inline-block;width:1.53px">&#160;</div>-tax impact of differences<div style="display:inline-block;width:4.18px">&#160;</div>in allowances under CECL vs<div style="display:inline-block;width:3.83px">&#160;</div>the incurred loss methodology. </div><div id="a14336" style="position:absolute;left:22.72px;top:592px;">(21) </div><div id="a14338" style="position:absolute;left:49.312px;top:592px;">CECL replaces the concept<div style="display:inline-block;width:3.68px">&#160;</div>of purchased credit impaired<div style="display:inline-block;width:4.09px">&#160;</div>loans (PCI assets) with the concept<div style="display:inline-block;width:3.99px">&#160;</div>of purchased financial assets<div style="display:inline-block;width:3.78px">&#160;</div>with credit deterioration<div style="display:inline-block;width:4.11px">&#160;</div>(PCD assets). An </div><div id="a14341" style="position:absolute;left:49.312px;top:605.2px;">entity records a PCD asset<div style="display:inline-block;width:3.7px">&#160;</div>at the purchase price<div style="display:inline-block;width:3.63px">&#160;</div>plus the allowance for<div style="display:inline-block;width:3.71px">&#160;</div>credit losses expected<div style="display:inline-block;width:3.9px">&#160;</div>at the time of acquisition. Under<div style="display:inline-block;width:4px">&#160;</div>this method, there is no credit<div style="display:inline-block;width:3.82px">&#160;</div>loss </div><div id="a14343" style="position:absolute;left:49.312px;top:618.3px;">expense affecting net<div style="display:inline-block;width:3.62px">&#160;</div>income on acquisition.<div style="display:inline-block;width:3.64px">&#160;</div>Changes in estimates of expected<div style="display:inline-block;width:4.56px">&#160;</div>credit losses after acquisition<div style="display:inline-block;width:3.82px">&#160;</div>are recognized<div style="display:inline-block;width:3.77px">&#160;</div>as credit loss expense<div style="display:inline-block;width:3.89px">&#160;</div>(or reversal of credit </div><div id="a14346" style="position:absolute;left:49.312px;top:631.4px;">loss expense) in subsequent<div style="display:inline-block;width:3.63px">&#160;</div>periods as they arise. </div><div id="a14348" style="position:absolute;left:22.72px;top:644.2px;">(22) </div><div id="a14350" style="position:absolute;left:49.312px;top:644.2px;">Pre-provision net revenues<div style="display:inline-block;width:3.91px">&#160;</div>is a non-GAAP measure calculated<div style="display:inline-block;width:4.65px">&#160;</div>based on net interest income<div style="display:inline-block;width:3.97px">&#160;</div>plus total non-interest<div style="display:inline-block;width:4.21px">&#160;</div>income, net, less total<div style="display:inline-block;width:3.77px">&#160;</div>non-interest expenses<div style="display:inline-block;width:3.91px">&#160;</div>for the </div><div id="a14359" style="position:absolute;left:49.312px;top:657.3px;">period. </div><div id="a14374" style="position:absolute;left:392.16px;top:683.9px;">14 </div><div id="a14376" style="position:absolute;font-family:Arial;font-size:13.44px;left:19.2px;top:697.6px;">&#160;</div></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>ofg-20210331_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--XBRL document created by Certent CDM version: 20.10.1 using Fujitsu Interstage XWand -->
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>ofg-20210331_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140417081753512">
<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>Apr. 21, 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/A<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">Apr. 21,  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">true<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_AmendmentDescription', window );">Amendment Description</a></td>
<td class="text">OFG Bancorp is filing this Amendment to its Form 8-K for the quarter ended March 31, 2021 originally filed with the Securities and Exchange Commission on April 21, 2021 (the &#8220;8-K&#8221;) solely to include the eXtensible Business Reporting Language (&#8220;XBRL&#8221;), which was inadvertently omitted from the Form 8-K because of a technical error in the submission.  Except for such correction, this amendment does not update, modify or amend any disclosure set forth in the Form 8-K as originally filed.<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="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">Common shares, par value $1.00 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<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_SeriesAPreferredStockMember', window );">Series A 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">7.125% Noncumulative Monthly Income Preferred Stock, Series A ($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.PRA<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_SeriesBPreferredStockMember', window );">Series B 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">7.0% Noncumulative Monthly Income Preferred Stock, Series B ($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.PRB<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_SeriesDPreferredStockMember', window );">Series D 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">7.125% Noncumulative Perpetual Preferred Stock, Series D ($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.PRD<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>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Description of changes contained within amended document.</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_AmendmentDescription</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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 YYYY-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>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td>na</td>
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</table></div>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dei:countryCodeItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityListingsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityListingsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
