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INCOME TAXES (Components of Deferred Tax Assets) (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Deferred tax assets:    
Allowance for credit losses and other reserves $ 62,913 $ 58,612
Scotiabank PR discount 0 463
Loans and other real estate valuation adjustment 1,211 1,905
Deferred loan charge-offs 4,523 16,147
Net operating loss carry forwards 4,878 6,548
Alternative minimum tax 13,822 13,553
Unrealized net loss on available-for-sale securities 16,125 11,525
Goodwill 0 3,542
Acquired portfolio 29,620 37,374
Other assets allowances 2,022 1,692
Other deferred tax assets 21,470 16,344
Total gross deferred tax asset 156,584 167,705
Less: valuation allowance (5,421) (7,589)
Net gross deferred tax assets 151,163 160,116
Deferred tax liabilities:    
Acquired loans tax basis (137,022) (137,143)
Servicing asset (23,359) (15,516)
Building valuation adjustment (5,668) (6,104)
FDIC-assisted Eurobank acquisition, net (5,062) (5,481)
Customer deposit and customer relationship intangibles (2,981) (4,943)
Goodwill (3,167) 0
Scotiabank PR discount (980) 0
Other deferred tax liabilities (7,394) (8,450)
Total gross deferred tax liabilities (185,633) (177,637)
Deferred tax asset, net 6,200 4,900
Deferred tax liability valuation allowance 694 569
Deferred tax liabilities, net $ (34,470) $ (17,521)