OFG Stock Balance Sheets

OFG Bancorp Quarterly Balance Sheets Chart

Quarterly

Annual

Goodwill

OFG Bancorp Quarterly Balance Sheets Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-03-31	2016-06-30	2016-03-31	2016-03-14	2015-09-30	2015-06-30	2015-03-31	2015-02-26	2014-09-30	2014-06-30	2014-03-31	2014-03-03	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31	2006-09-30	2006-06-30	2006-03-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-03-31	2003-12-31	2003-09-30	2003-03-31	2002-12-31	2002-09-30	2002-03-31

assets
cash and cash equivalents:
cash and due from banks	844,492,000	703,493,000	584,467,000	674,702,000	735,346,000	749,718,000	743,550,000	528,626,000	795,546,000	844,180,000	546,146,000	810,281,000	1,302,199,000	1,849,906,000	2,014,523,000	2,745,675,000	2,756,288,000	2,396,965,000	2,142,294,000	2,267,383,000	1,888,965,000		668,896,000	498,328,000	442,103,000	537,945,000	368,344,000	354,930,000	478,182,000									663,462	588,257	616,984		645,869	737,330	548,770	855,490,000	511,478,000	459,917,000	450,033,000	601,614,000	513,905,000	278,466,000	315,351,000	337,218,000	89,703,000	430,498,000	450,323,000	170,443,000	307,062,000	293,750,000	40,382,000	56,486,000	50,052,000	12,331,000	21,727,000	14,286,000	14,734,000	35,237,000	13,227,000	15,930,000	14,892,000	15,214,000	9,843,000	11,321,000	11,651,000	7,746,000	9,155,000	9,567,000	11,508,000	15,508,000	5,442,000
money market investments	7,306,000	7,107,000	6,670,000	5,885,000	5,083,000	4,674,000	4,623,000	4,073,000	3,427,000	3,172,000	4,161,000	4,988,000	4,913,000	5,648,000	8,952,000	9,837,000	11,206,000	11,401,000	11,908,000	14,617,000	10,022,000		7,485,000	7,665,000	4,930,000	5,805,000	6,991,000	7,428,000	7,021,000									7,777	8,228	7,652		11,651	10,983	12,676	13,205,000	4,017,000	4,662,000	3,964,000	3,863,000	3,431,000	2,563,000	2,060,000	111,728,000	53,233,000	42,137,000	17,758,000							57,554,000	48,480,000	50,127,000	19,318,000	5,722,000	10,288,000	10,387,000	9,791,000									1,690,000	24,000,000
total cash and cash equivalents	851,798,000	710,600,000	591,137,000	680,587,000	740,429,000	754,392,000	748,173,000	532,699,000	798,973,000	847,352,000	550,307,000	815,269,000	1,307,112,000	1,855,554,000	2,023,475,000	2,755,512,000	2,767,494,000	2,408,366,000	2,154,202,000	2,282,000,000	1,898,987,000		676,381,000	505,993,000	447,033,000	543,750,000	375,335,000	362,358,000	485,203,000									671,239	596,485	624,636		657,520	748,313	561,446	868,695,000	515,495,000	464,579,000	453,997,000	605,477,000	517,336,000	281,029,000	317,411,000	448,946,000	142,936,000	472,635,000	468,081,000							69,885,000	70,207,000	64,413,000
investments:
trading securities, at fair value, with amortized cost of 163	18,000	19,000	18,000	18,000	16,000	14,000	13,000	14,000					13,000	18,000
investment securities available-for-sale, at fair value, with amortized cost of 2,465,673 (december 31, 2024 - 2,444,135); no allowance for credit losses	2,408,874,000
investment securities held-to-maturity, at amortized cost, with fair value of 264,729 (december 31, 2024 - 267,174); no allowance for credit losses	316,186,000
equity securities	59,556,000	48,785,000	54,896,000	45,692,000	41,074,000	40,162,000	38,469,000	42,162,000	35,946,000	33,218,000	23,667,000	23,372,000	19,848,000	18,556,000	17,578,000
total investments	2,784,634,000	2,785,965,000	2,720,277,000	2,608,525,000	2,476,017,000	2,482,374,000	2,686,770,000	2,074,474,000	1,703,217,000	1,917,214,000	1,971,522,000	2,042,566,000	1,727,263,000	1,258,718,000	895,818,000	902,273,000	643,495,000	611,589,000	458,700,000	434,364,000	549,703,000		870,669,000	1,252,653,000	1,279,604,000	1,306,100,000	1,353,108,000	1,298,579,000	1,166,050,000									1,441,125	1,471,723	1,482,090		1,703,907	1,860,660	2,048,466	2,233,265,000	3,153,082,000	3,531,490,000	3,645,118,000	3,867,970,000	4,089,092,000	4,469,659,000	4,487,514,000	4,413,957,000	4,339,836,000	4,964,230,000	4,637,199,000	4,512,752,000	4,971,511,000	4,576,103,000	4,520,514,000	4,643,977,000	4,763,813,000	4,413,082,000	3,738,340,000	3,780,885,000	3,236,138,000	3,497,822,000	3,485,034,000	3,376,143,000	3,231,580,000	3,252,607,000	3,300,029,000	3,002,013,000	2,645,898,000		2,235,713,000	2,041,175,000	2,049,220,000	1,757,406,000	1,711,468,000
loans:
loans held-for-sale, at lower of cost or fair value	18,952,000	16,801,000	17,732,000	15,624,000	20,736,000	28,274,000	28,345,000	25,846,000	30,296,000	32,685,000	40,587,000	61,225,000	41,588,000	58,234,000	82,662,000	52,494,000	47,665,000	40,526,000	43,935,000	54,526,000	19,432,000		14,676,000	7,682,000	10,368,000	8,979,000	10,215,000	10,505,000	12,272,000
loans held-for-investment, net of allowance for credit losses of 189,944	7,990,647,000
total loans	8,009,599,000	7,688,271,000	7,633,831,000	7,604,700,000	7,503,142,000	7,411,378,000	7,401,618,000	7,130,052,000	6,988,244,000	6,735,281,000	6,723,236,000	6,591,028,000	6,585,210,000	6,449,130,000	6,329,311,000	6,282,485,000	6,354,040,000	6,432,079,000	6,501,259,000	6,579,140,000	6,739,243,000		4,474,497,000	4,401,401,000	4,431,594,000	4,352,980,000	4,315,866,000	4,133,429,000	4,056,329,000									4,856,902	4,936,040	5,002,614		5,128,823	4,991,029	5,214,381	5,182,025,000	1,596,318,000	1,620,356,000	1,656,491,000	1,669,953,000	1,683,878,000	1,707,249,000	1,732,452,000	1,772,570,000	1,861,628,000	1,946,999,000	1,131,279,000	1,151,592,000	1,187,074,000	1,199,431,000	1,219,838,000	1,218,157,000	1,185,433,000	1,197,503,000	1,272,177,000	1,233,894,000	1,178,451,000	1,153,938,000	941,240,000	901,724,000	907,391,000	858,897,000	771,709,000	826,265,000	718,112,000		684,241,000	684,863,000	666,390,000	622,463,000	562,714,000
other assets:
foreclosed real estate	2,603,000	4,271,000	4,002,000	4,419,000	6,526,000	10,850,000	10,780,000	9,555,000	10,639,000	9,250,000	11,214,000	14,561,000	15,061,000	15,297,000	15,039,000	13,904,000	15,093,000	15,598,000	11,596,000	19,456,000	24,792,000		29,509,000	30,865,000	33,768,000	37,868,000	40,551,000	40,314,000	44,174,000																											9,918,000	8,319,000	9,174,000	9,681,000	8,220,000	4,906,000	4,119,000	4,349,000	4,971,000	5,320,000	3,825,000	4,379,000	4,312,000	4,521,000	4,186,000	4,182,000	2,687,000	978,000	447,000	601,000	383,000	571,000	410,000	1,201,000	548,000
accrued interest receivable	73,782,000	70,029,000	71,667,000	70,367,000	72,969,000	72,117,000	71,400,000	67,868,000	63,357,000	62,140,000	62,402,000	59,400,000	58,371,000	56,097,000	56,560,000	56,815,000	59,850,000	61,028,000	65,547,000	71,830,000	82,483,000		33,909,000	33,152,000	34,254,000	33,452,000	34,476,000	35,141,000	49,969,000									19,665	22,508	18,969		19,456	17,508	20,231	17,554,000	14,935,000	17,258,000	18,750,000	20,182,000	24,246,000	26,430,000	28,634,000	28,716,000	30,644,000	34,672,000	37,100,000	39,970,000	37,785,000	38,585,000	38,104,000	42,842,000	37,026,000	33,162,000	45,807,000	30,482,000	28,661,000	31,313,000	29,539,000	26,178,000	23,735,000	23,175,000	21,289,000	19,071,000	19,292,000	19,341,000	17,628,000	17,075,000	17,256,000	15,759,000	16,609,000
deferred tax assets	7,048,000	6,299,000	6,248,000	4,130,000	4,094,000	4,379,000	4,923,000
premises and equipment	102,095,000	103,577,000	104,512,000	105,279,000	104,384,000	104,980,000	104,102,000	103,040,000	104,166,000	104,851,000	106,820,000	106,025,000	101,848,000	97,403,000	92,124,000	86,981,000	85,993,000	83,756,000	83,786,000	83,270,000	82,234,000		71,001,000	69,017,000	68,892,000	67,762,000	66,174,000	67,163,000	67,860,000									82,099	82,167	83,029		83,145	84,301	83,461	84,997,000	19,268,000	20,090,000	20,722,000	21,520,000	22,498,000	23,649,000	23,353,000	23,941,000	17,125,000	18,113,000	18,571,000	20,202,000	20,706,000	21,540,000	20,911,000	21,378,000	21,587,000	20,124,000	19,390,000	19,853,000	19,797,000	17,358,000	15,307,000	15,471,000	15,269,000	16,933,000	17,571,000	17,874,000	18,653,000	18,503,000	17,615,000	16,965,000	17,946,000	17,893,000	22,590,000
customers' liability on acceptances	27,572,000	35,269,000	31,526,000	26,055,000	28,504,000	25,826,000	25,576,000	30,984,000	35,945,000	30,094,000	28,607,000	29,245,000	27,150,000	29,858,000	35,329,000	24,371,000	27,703,000	24,389,000	33,349,000	18,291,000	20,034,000		23,610,000	25,791,000	16,937,000	28,682,000	30,578,000	25,869,000	27,663,000									21,077	17,581	28,152		31,881	30,571	32,512	26,996,000
servicing assets	68,588,000	69,238,000	70,435,000	68,512,000	49,789,000	49,553,000	49,520,000	50,601,000	49,966,000	49,345,000	50,921,000	50,061,000	49,280,000	49,446,000	48,973,000	48,227,000	47,712,000	47,911,000	47,295,000	47,242,000	47,926,000		10,134,000	10,623,000	10,716,000	10,866,000	10,829,000	10,533,000	9,821,000									13,986	13,655	13,970		13,651	12,994	11,543	10,795,000	10,642,000	10,776,000
goodwill	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	84,241,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000		86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000	86,069,000									86,069	86,069	86,069		86,069	76,383	64,021	64,021,000
other intangible assets	12,318,000	13,550,000	14,782,000	16,260,000	17,738,000	19,216,000	20,694,000	22,419,000	24,143,000	25,868,000	27,593,000	29,662,000	31,800,000	33,947,000	36,093,000	38,545,000	40,995,000	43,445,000	45,896,000
operating lease right-of-use assets	17,284,000	18,663,000	19,197,000	20,355,000	20,298,000	21,606,000	21,725,000	20,011,000	21,840,000	23,897,000	25,363,000	26,192,000	27,699,000	28,576,000	28,846,000	30,625,000	32,621,000	32,714,000	31,383,000	35,900,000	34,692,000		20,419,000	20,860,000
other assets	189,948,000	139,284,000	148,879,000	167,952,000	150,954,000	118,323,000	114,931,000	120,073,000	126,510,000	130,534,000	120,912,000	141,816,000	154,641,000	142,242,000	152,845,000	152,216,000	155,750,000	150,808,000	143,076,000	132,772,000	127,370,000		55,707,000	50,883,000	57,345,000	61,916,000	59,305,000	55,468,000	64,693,000									97,425	89,996	94,343		109,098	104,462	122,386	123,684,000	49,085,000	47,447,000	43,658,000	47,178,000	58,339,000	63,496,000	62,606,000	66,179,000	56,568,000	60,737,000	49,870,000	27,915,000	28,060,000	30,817,000	25,715,000	27,543,000	21,688,000	59,082,000	75,291,000	69,355,000	61,221,000	77,044,000	60,402,000	47,392,000	46,374,000	37,751,000	38,147,000	30,851,000	18,703,000	39,688,000	31,698,000	23,903,000	25,997,000	27,445,000	23,819,000
total assets	12,231,510,000	11,729,257,000	11,500,734,000	11,461,382,000	11,259,085,000	11,159,235,000	11,344,453,000	10,257,138,000	10,031,547,000	10,057,581,000	9,818,780,000	10,058,179,000	10,247,774,000	10,190,120,000	9,899,720,000	10,606,865,000	10,461,813,000	10,153,342,000	9,826,011,000	10,018,991,000	9,932,719,000		6,464,127,000	6,603,191,000	6,583,352,000	6,656,674,000	6,501,562,000	6,247,121,000	6,189,053,000									7,673,339	7,710,145	7,855,638		8,380,225	8,435,934	8,702,551	9,193,368,000	6,051,205,000	6,375,648,000	6,461,355,000	6,693,666,000	7,023,288,000	7,082,547,000	7,176,129,000	7,312,777,000	7,403,057,000	8,078,544,000	6,508,520,000	6,381,046,000	6,950,304,000	6,485,946,000	5,914,666,000	6,060,179,000	6,158,119,000	5,857,189,000	5,290,649,000	5,292,053,000	4,662,330,000	4,832,662,000	4,564,098,000	4,395,046,000	4,250,652,000	4,215,285,000	4,168,170,000	3,938,391,000	3,466,215,000	3,344,243,000	3,152,920,000	2,806,288,000	2,805,611,000	2,610,696,000	2,363,831,000
liabilities and stockholders’ equity
deposits:
demand deposits	5,801,400,000	5,841,418,000	5,627,406,000	5,859,787,000	6,017,364,000	6,036,891,000	6,050,428,000	4,894,958,000	5,008,521,000	5,038,122,000	5,176,758,000	5,416,309,000	5,459,104,000	5,504,640,000	5,204,340,000	5,531,124,000	5,329,429,000	4,885,311,000	4,613,309,000	4,682,991,000	4,370,419,000		2,219,911,000	2,218,186,000	2,191,802,000	2,304,067,000	2,176,935,000	2,117,857,000	2,039,126,000									2,132,073	2,135,369	2,188,458		2,177,090	2,294,635	2,183,785	2,447,152,000	1,048,410,000	1,061,849,000	1,001,951,000	1,000,857,000	979,326,000	948,764,000	947,526,000	954,553,000	888,011,000	876,092,000	729,769,000	775,503,000	682,387,000	568,808,000	452,071,000	124,140,000	128,273,000	110,172,000	111,686,000	124,610,000	136,717,000	141,260,000	144,274,000	145,950,000	152,165,000	151,731,000	158,228,000	126,233,000	133,286,000		128,139,000
savings accounts	2,131,076,000	2,107,622,000	2,064,916,000	2,019,832,000	2,002,342,000	2,001,770,000	2,088,102,000	2,216,162,000	2,222,326,000	2,271,774,000	2,227,965,000	2,345,673,000	2,433,819,000	2,295,113,000	2,177,780,000	2,378,211,000	2,285,558,000	2,166,161,000	1,944,415,000	1,949,362,000	2,017,180,000		1,222,109,000	1,252,157,000	1,212,259,000	1,243,535,000	1,253,451,000	1,274,414,000	1,251,398,000									1,263,115	1,226,749	1,267,290		1,083,953	1,006,558	892,654	634,819,000	250,952,000	230,920,000	238,917,000	230,673,000	256,611,000	241,553,000	240,863,000	235,690,000	234,501,000	213,992,000	108,661,000	66,713,000	62,615,000	55,079,000	59,250,000	407,911,000	453,711,000	338,128,000	326,124,000	307,319,000	213,042,000	171,034,000	107,869,000	86,258,000	93,925,000	93,947,000	96,658,000	91,718,000	90,613,000
time deposits	2,211,689,000	1,973,929,000	1,912,464,000	1,729,033,000	1,585,544,000	1,509,613,000	1,623,639,000	1,430,433,000	1,307,179,000	1,255,525,000	1,163,641,000	1,093,135,000	1,136,647,000	1,178,469,000	1,220,998,000	1,335,054,000	1,475,505,000	1,705,290,000	1,857,916,000	2,000,104,000	2,154,327,000		1,503,117,000	1,426,758,000	1,504,054,000	1,541,391,000	1,449,815,000	1,441,157,000	1,508,958,000									1,673,987	1,779,115	1,845,244		2,349,394
total deposits	10,144,165,000	9,922,969,000	9,604,786,000	9,608,652,000	9,605,250,000	9,548,274,000	9,762,169,000	8,541,553,000	8,538,026,000	8,565,421,000	8,568,364,000	8,855,117,000	9,029,570,000	8,978,222,000	8,603,118,000	9,244,389,000	9,090,492,000	8,756,762,000	8,415,640,000	8,632,457,000	8,541,926,000		4,945,137,000	4,897,101,000	4,908,115,000	5,088,993,000	4,880,201,000	4,833,428,000	4,799,482,000									5,069,175	5,141,233	5,300,992		5,610,437	5,665,038	5,563,514	5,689,559,000	2,214,367,000	2,222,942,000	2,274,567,000	2,395,267,000	2,378,365,000	2,385,231,000	2,501,472,000	2,588,887,000	2,595,275,000	2,538,271,000	1,816,333,000	1,917,905,000	1,852,446,000	1,806,246,000	1,517,789,000	1,492,419,000	1,441,988,000	1,269,705,000	1,329,662,000	1,337,585,000	1,293,442,000	1,213,847,000	1,273,541,000	1,304,772,000	1,252,897,000	1,196,564,000	1,065,923,000	1,032,431,000	1,057,722,000		1,006,708,000	1,041,205,000	951,331,000	1,003,732,000	830,496,000
borrowings:
securities sold under agreements to repurchase	27,463,000		75,222,000					150,701,000															240,324,000	431,566,000	455,508,000	378,237,000	387,770,000	273,926,000	192,869,000									1,012,228	1,012,233	1,012,240		1,267,423	1,313,870	1,491,675	1,695,247,000	2,652,366,000	3,053,865,000	3,056,165,000	3,056,238,000	3,356,322,000	3,459,135,000	3,456,605,000	3,456,781,000	3,541,520,000	3,557,087,000	3,557,149,000	3,557,086,000	3,757,510,000	3,757,411,000	3,770,755,000	3,810,752,000	3,847,633,000	3,809,709,000	3,283,796,000	3,321,105,000	2,692,173,000	2,856,361,000	2,513,986,000	2,208,847,000	2,191,756,000	2,256,295,000	2,337,826,000	2,101,340,000	1,648,339,000		1,443,081,000	1,243,052,000	1,247,288,000	1,011,964,000	1,102,184,000
advances from the fhlb	456,530,000	255,642,000	325,952,000
total borrowings	483,993,000	255,642,000	401,174,000	270,827,000	200,741,000	200,766,000	200,770,000	451,475,000	226,507,000	226,789,000	27,034,000	27,263,000	27,618,000	28,035,000	64,571,000	99,017,000	99,950,000	101,096,000	102,351,000	102,864,000	104,423,000		356,830,000	549,046,000	570,425,000	488,043,000	552,266,000	354,337,000	328,748,000									1,452,077	1,477,107	1,475,753		1,720,121	1,735,131	2,113,863	2,487,684,000	2,973,844,000	3,376,601,000	3,417,525,000	3,519,828,000	3,825,889,000	3,914,611,000	3,911,822,000	3,922,921,000	3,994,427,000	4,737,015,000	4,017,984,000	4,015,350,000	4,208,893,000	4,224,591,000	4,129,588,000	4,220,313,000	4,252,086,000	4,221,152,000	3,524,520,000	3,555,327,000	2,989,409,000	3,246,125,000	2,914,963,000	2,607,654,000	2,591,232,000	2,644,961,000	2,724,992,000	2,488,506,000	2,046,305,000		1,834,081,000	1,499,552,000	1,508,288,000	1,266,964,000	1,357,184,000
other liabilities:
acceptances executed and outstanding	27,572,000	35,269,000	31,526,000	26,055,000	28,504,000	25,826,000	25,576,000	30,984,000	35,945,000	30,094,000	28,607,000	29,245,000	27,150,000	29,858,000	35,329,000	24,371,000	27,703,000	24,389,000	33,349,000	18,291,000	20,034,000		23,610,000	25,791,000	16,937,000	28,682,000	30,578,000	25,869,000	27,644,000									21,077	17,581	28,535		31,881	30,571	32,512	26,996,000
operating lease liabilities	19,354,000	20,795,000	21,388,000	22,604,000	22,605,000	23,969,000	24,029,000	22,269,000	24,031,000	25,990,000	27,370,000	28,114,000	29,538,000	30,287,000	30,498,000	32,167,000	34,052,000	34,017,000	32,566,000	37,029,000	35,694,000		22,179,000	22,618,000
deferred tax liabilities	48,374,000	44,223,000	40,718,000	57,503,000	33,873,000	22,876,000	22,444,000
accrued expenses and other liabilities	173,599,000	154,998,000	146,771,000	157,609,000	140,410,000	121,871,000	115,985,000	115,394,000	107,287,000	119,777,000	124,999,000	124,545,000	119,065,000	83,492,000	96,240,000	120,555,000	128,326,000	127,190,000	154,418,000	162,133,000	187,280,000		70,512,000	87,004,000	87,665,000	80,448,000	80,019,000	85,886,000	86,791,000									159,541	135,405	140,037		121,319	117,569	98,396	99,263,000	33,038,000	27,686,000	30,547,000	35,476,000	42,931,000	43,828,000	47,933,000	43,799,000	54,694,000	56,683,000	38,216,000	34,277,000	31,971,000	23,130,000	25,271,000	23,177,000	23,912,000	24,537,000	22,925,000	20,752,000	27,064,000	25,868,000	30,751,000	38,443,000	42,584,000	35,014,000	44,112,000	49,290,000	61,093,000	48,845,000	56,588,000	65,455,000	61,866,000	60,534,000	35,750,000
total liabilities	10,897,057,000	10,433,896,000	10,246,363,000	10,143,250,000	10,031,383,000	9,943,582,000	10,150,973,000	9,161,675,000	8,931,796,000	8,968,071,000	8,776,374,000	9,064,312,000	9,232,962,000	9,150,085,000	8,830,560,000	9,553,200,000	9,381,816,000	9,044,919,000	8,740,036,000	8,954,669,000	8,891,435,000		5,419,253,000	5,581,999,000	5,583,475,000	5,686,788,000	5,543,743,000	5,300,272,000	5,243,946,000									6,743,341	6,784,943	6,959,147		7,500,499	7,565,010	7,832,309	8,329,762,000	5,279,518,000	5,683,446,000	5,772,065,000	5,998,111,000	6,295,372,000	6,358,190,000	6,463,001,000	6,580,446,000	6,685,997,000	7,332,502,000	6,044,346,000	5,998,477,000	6,590,670,000	6,166,595,000	5,672,648,000	5,759,012,000	5,819,361,000	5,515,394,000	4,977,174,000	4,953,731,000	4,310,617,000	4,492,379,000	4,220,488,000	4,050,869,000	3,909,485,000	3,876,595,000	3,835,114,000	3,623,527,000	3,179,539,000	3,120,726,000	2,947,897,000	2,606,212,000	2,612,035,000	2,429,048,000	2,223,430,000
commitments and contingencies
stockholders’ equity:
common stock	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000	59,885,000																																	47,841,000	47,809,000	47,808,000	47,808,000	47,808,000	47,808,000	47,808,000	34,481,000	34,479,000	25,739,000	25,739,000	25,739,000	25,738,000	25,736,000	25,732,000	25,556,000	25,543,000	25,461,000	25,379,000	25,370,000	25,365,000	25,321,000	25,104,000	24,676,000	24,601,000	22,503,000	22,164,000		19,884,000	19,446,000	19,323,000	15,355,000	15,245,000
additional paid-in capital	639,901,000	638,475,000	639,786,000	639,487,000	637,895,000	636,208,000	638,667,000	637,389,000	636,051,000	634,785,000	636,793,000	635,523,000	634,612,000	633,796,000	637,061,000	635,808,000	626,995,000	622,935,000	622,652,000	621,978,000	621,860,000		620,368,000	619,828,000	619,381,000	542,078,000	541,734,000	541,404,000	541,600,000									539,522	538,936	538,287		538,231	538,105	537,500	537,453,000	495,155,000	499,852,000	499,786,000	499,096,000	498,875,000	498,556,000	498,303,000	498,435,000	498,486,000	288,749,000	299,542,000	213,264,000	212,962,000	212,784,000	212,511,000	212,282,000	212,056,000	210,006,000	209,860,000	209,226,000	208,670,000	208,620,000	208,581,000	188,525,000	187,301,000	186,247,000	186,405,000	127,121,000	124,168,000		57,287,000	55,178,000	54,260,000	53,329,000	52,071,000
legal surplus	178,834,000	173,905,000	169,537,000	164,990,000	160,560,000	155,732,000	150,967,000	146,774,000	142,567,000	138,333,000	133,901,000	129,429,000	125,365,000	121,389,000	117,677,000	114,485,000	110,235,000	106,165,000	103,269,000	101,233,000	98,347,000		95,019,000	92,621,000	90,167,000	87,563,000	85,249,000	83,138,000	81,454,000									68,437	66,438	64,292		59,867	57,906	54,128	52,143,000	54,407,000	52,668,000	51,246,000	50,178,000	51,274,000	49,414,000	46,717,000	46,331,000	46,958,000	48,325,000	46,480,000	52,659,000	48,771,000	45,471,000	40,573,000	43,533,000	42,140,000	39,298,000	38,312,000	37,424,000	37,523,000	37,114,000	36,780,000	34,916,000	33,893,000	32,979,000	31,280,000	29,306,000	25,519,000		22,423,000	19,706,000	18,456,000	17,238,000	14,805,000
retained earnings	833,187,000	802,024,000	771,993,000	737,815,000	706,807,000	672,455,000	639,324,000	607,466,000	577,042,000	547,641,000	516,371,000	484,057,000	455,590,000	426,320,000	399,949,000	375,729,000	352,001,000	322,202,000	300,096,000	284,053,000	264,725,000		284,459,000	268,101,000	253,040,000	236,120,000	221,441,000	210,008,000	200,878,000									170,519	160,055	147,919		122,747	111,292	83,739	70,734,000	94,520,000	83,982,000	74,091,000	68,149,000	82,616,000	71,091,000	50,727,000	51,502,000	59,845,000	98,245,000	85,796,000	146,421,000	131,154,000	71,353,000	17,868,000	64,406,000	55,977,000	35,773,000	32,883,000	31,956,000	49,702,000	52,368,000	54,825,000	71,348,000	68,620,000	66,581,000	59,884,000	112,930,000	89,832,000		115,491,000	96,589,000	87,878,000	83,473,000	68,788,000
treasury stock	-328,572,000	-320,927,000	-296,991,000	-251,055,000	-250,951,000	-226,896,000	-228,350,000	-228,374,000	-226,230,000	-212,794,000	-211,135,000	-211,138,000	-211,138,000	-180,717,000	-150,572,000	-140,862,000	-100,719,000	-100,994,000	-102,949,000	-103,095,000	-103,121,000		-103,171,000	-103,196,000	-103,633,000	-103,706,000	-103,969,000	-104,142,000	-104,502,000									-90,652	-90,712	-90,743		-80,642	-80,834	-80,847	-81,275,000	-81,300,000	-81,403,000	-81,772,000	-74,808,000	-45,376,000	-45,386,000	-28,746,000	-16,732,000	-17,116,000	-17,120,000	-17,127,000	-17,147,000	-17,152,000	-17,164,000	-17,142,000	-17,136,000	-17,184,000	-17,042,000	-13,311,000	-12,848,000	-11,521,000	-10,779,000	-10,240,000	-8,031,000	-3,368,000	-11,000	-91,000	-4,482,000	-4,473,000
accumulated other comprehensive loss, net of tax of 8,017	-48,782,000
total stockholders’ equity	1,334,453,000	1,295,361,000	1,254,371,000	1,318,132,000	1,227,702,000	1,215,653,000	1,193,480,000	1,095,463,000	1,099,751,000	1,089,510,000	1,042,406,000	993,867,000	1,014,812,000	1,040,035,000	1,069,160,000	1,053,665,000	1,079,997,000	1,108,423,000	1,085,975,000	1,064,322,000	1,041,284,000		1,044,874,000	1,021,192,000	999,877,000	969,886,000	957,819,000	946,849,000	945,107,000									929,998	925,202	896,491		879,726	870,924	870,242	863,606,000	771,687,000	692,202,000	689,290,000	695,555,000	727,916,000	724,357,000	713,128,000	732,331,000	717,060,000	746,042,000	464,174,000	382,569,000	359,634,000	319,351,000	242,018,000	301,167,000	338,758,000	341,795,000	313,475,000	338,322,000	351,713,000	340,283,000	343,610,000	344,177,000	341,167,000	338,690,000	333,056,000	314,864,000	286,676,000		205,023,000	200,076,000	193,576,000	181,648,000	140,401,000
total liabilities and stockholders’ equity	12,231,510,000	11,729,257,000	11,500,734,000	11,461,382,000	11,259,085,000	11,159,235,000	11,344,453,000	10,257,138,000	10,031,547,000	10,057,581,000	9,818,780,000	10,058,179,000	10,247,774,000	10,190,120,000	9,899,720,000	10,606,865,000	10,461,813,000	10,153,342,000	9,826,011,000	10,018,991,000	9,932,719,000		6,464,127,000	6,603,191,000	6,583,352,000	6,656,674,000	6,501,562,000	6,247,121,000	6,189,053,000									7,673,339	7,710,145	7,855,638		8,380,225	8,435,934	8,702,551	9,193,368,000	6,051,205,000	6,375,648,000	6,461,355,000	6,693,666,000	7,023,288,000	7,082,547,000	7,176,129,000	7,312,777,000	7,403,057,000	8,078,544,000	6,508,520,000	6,381,046,000	6,950,304,000	6,485,946,000	5,914,666,000	6,060,179,000	6,158,119,000	5,857,189,000	5,290,649,000	5,292,053,000	4,662,330,000	4,832,662,000	4,564,098,000	4,395,046,000	4,250,652,000	4,215,285,000	4,168,170,000	3,938,391,000	3,466,215,000	3,344,243,000	3,152,920,000	2,806,288,000	2,805,611,000	2,610,696,000	2,363,831,000
investment securities available-for-sale, at fair value, with amortized cost of 2,483,154 (december 31, 2024 - 2,444,135); no allowance for credit losses		2,415,337,000
investment securities held-to-maturity, at amortized cost, with fair value of 267,976 (december 31, 2024 - 267,174); no allowance for credit losses		321,824,000
loans held-for-investment, net of allowance for credit losses of 181,174		7,671,470,000
accumulated other comprehensive loss, net of tax of 9,816		-58,001,000
investment securities available-for-sale, at fair value, with amortized cost of 2,444,135 (december 31, 2023 - 2,177,761); no allowance for credit losses			2,338,205,000
investment securities held-to-maturity, at amortized cost, with fair value of 267,174 (december 31, 2023 - 490,764); no allowance for credit losses			327,158,000
loans held-for-investment, net of allowance for credit losses of 175,863			7,616,099,000
other borrowings							2,000			128,000	318,000	110,000	32,000			375,000	298,000	443,000	707,000	238,000	822,000		338,000	286,000	1,214,000	192,000	299,000	394,000	153,000									3,872	3,837	3,708		16,634
accumulated other comprehensive loss, net of tax of 16,091			-89,839,000
investment securities available-for-sale, at fair value, with amortized cost of 2,267,582 (december 31, 2023 - 2,177,761); no allowance for credit losses				2,230,102,000
investment securities held-to-maturity, at amortized cost, with fair value of 284,249 (december 31, 2023 - 490,764); no allowance for credit losses				332,713,000
loans held-for-investment, net of allowance for credit losses of 161,500				7,589,076,000
advances from the federal home loan bank of new york				270,827,000	200,741,000	200,766,000	200,768,000	300,774,000	226,507,000	226,661,000	26,716,000	27,153,000
accumulated other comprehensive loss, net of tax of 4,490				-32,990,000
investment securities available-for-sale, at fair value, with amortized cost of 2,198,116 (december 31, 2023 - 2,177,761); no allowance for credit losses					2,096,306,000
investment securities held-to-maturity, at amortized cost, with fair value of 279,437 (december 31, 2023 - 490,764); no allowance for credit losses					338,621,000
loans held-for-investment, net of allowance for credit losses of 157,301					7,482,406,000
accumulated other comprehensive loss, net of tax of 15,316					-86,494,000
investment securities available-for-sale, at fair value, with amortized cost of 1,993,754 (december 31, 2023 - 2,177,761); no allowance for credit losses						1,897,707,000
investment securities held-to-maturity, at amortized cost, with fair value of 483,657 (december 31, 2023 - 490,764); no allowance for credit losses						544,491,000
loans held-for-investment, net of allowance for credit losses of 156,563						7,383,104,000
accumulated other comprehensive loss, net of tax of 14,316						-81,731,000
restricted cash										142,000	157,000	164,000	169,000	175,000	175,000	179,000	199,000	1,050,000	1,375,000	1,050,000	1,050,000		1,049,000	3,030,000	3,030,000	3,030,000	3,030,000	3,030,000	3,030,000									32,907	15,170	15,170
investment securities available-for-sale, at fair value, with amortized cost of 2,177,761 (december 31, 2022 - 1,522,812); no allowance for credit losses							2,099,264,000
investment securities held-to-maturity, at amortized cost, with fair value of 490,764 (december 31, 2022 - 469,186); no allowance for credit losses							549,024,000
loans held for investment, net of allowance for credit losses of 161,106							7,373,273,000
accumulated other comprehensive loss, net of tax of 11,484							-67,013,000
investment securities available-for-sale, at fair value, with amortized cost of 1,663,633 (december 31, 2022 - 1,522,812); no allowance for credit losses “acl”								1,513,153,000
investment securities held-to-maturity, at amortized cost, with fair value of 441,759 (december 31, 2022 - 469,186); no allowance for credit losses								519,145,000
loans held for investment, net of allowance for credit losses of 157,529								7,104,206,000
deferred tax asset								11,121,000	20,306,000	37,372,000	55,485,000	66,121,000	76,101,000	87,608,000	99,063,000	128,663,000	144,799,000	154,540,000	162,478,000	178,957,000	186,730,000		111,147,000	112,744,000	113,763,000	122,934,000	125,141,000	128,270,000	127,421,000									121,217	123,298	127,657		147,968	155,165	112,575	117,201,000	35,912,000	35,887,000	33,123,000	32,023,000	33,102,000	32,637,000	30,404,000	30,350,000	30,650,000	19,517,000	32,186,000	26,590,000	25,756,000	23,422,000	22,577,000	17,249,000	12,931,000	14,136,000	18,005,000	13,562,000	12,698,000	14,861,000	13,845,000	6,980,000	6,191,000	6,347,000	6,207,000	6,649,000	6,821,000
accumulated other comprehensive loss, net of tax of 22,803								-127,677,000
trading securities, at fair value, with amortized cost of 162									13,000	10,000	9,000	11,000			20,000					22,000	22,000
investment securities available-for-sale, at fair value, with amortized cost of 1,247,149 (december 31, 2022 - 1,522,812); no allowance for credit losses “acl”									1,141,845,000
investment securities held-to-maturity, at amortized cost, with fair value of 461,378 (december 31, 2022 - 469,186); no allowance for credit losses									525,413,000
loans held for investment, net of allowance for credit losses of 159,923									6,957,948,000
accumulated other comprehensive loss, net of tax of 15,620									-89,564,000
investment securities available-for-sale, at fair value, with amortized cost of 1,445,218 (december 31, 2022 - 1,522,812); no allowance for credit losses “acl”										1,353,106,000
investment securities held-to-maturity, at amortized cost, with fair value of 471,615 (december 31, 2022 - 469,186); no allowance for credit losses										530,880,000
loans held for investment, net of allowance for credit losses of 151,884										6,702,596,000
accumulated other comprehensive loss, net of tax of 13,497										-78,340,000
investment securities available-for-sale, at fair value, with amortized cost of 1,522,812 (december 31, 2021 - 503,421); no allowance for credit losses											1,412,776,000
investment securities held-to-maturity, at amortized cost, with fair value of 469,186 (december 31, 2021 - 363,653); no allowance for credit losses											535,070,000
loans held for investment, net of allowance for credit losses of 152,673											6,682,649,000
subordinated capital notes															36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000		36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000									101,190	100,797	100,404		99,486	98,961	98,436	146,038,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	36,083,000	72,166,000	72,166,000	72,166,000	72,166,000	72,166,000	72,166,000	72,166,000	72,166,000	72,166,000			35,000,000	35,000,000	35,000,000	35,000,000
derivative liabilities												28,000	21,000	191,000	804,000	1,136,000	1,293,000	1,465,000	1,712,000	1,895,000	2,078,000		985,000	439,000	333,000	622,000	679,000	752,000	1,281,000									11,414	13,617	13,830		16,741	16,701	24,024	26,260,000	58,269,000	56,217,000	49,426,000	47,425,000	48,146,000	13,918,000
accumulated other comprehensive income, net of tax of 16,221											-93,409,000
investment securities available-for-sale, at fair value, with amortized cost of 1,600,651 (december 31, 2021 - 503,421); no allowance for credit losses												1,478,409,000
investment securities held-to-maturity, at amortized cost, with fair value of 471,718 (december 31, 2021 - 363,653); no allowance for credit losses												540,774,000
loans held for investment, net of allowance for credit losses of 155,162												6,529,803,000
accumulated other comprehensive income, net of tax of 17,943												-103,889,000
investment securities available-for-sale, at fair value, with amortized cost of 1,217,883(december 31, 2021 - 503,421); no allowance for credit losses													1,159,570,000
investment securities held-to-maturity, at amortized cost, with fair value of 501,747 (december 31, 2021 - 363,653); no allowance for credit losses													547,832,000
loans held for investment, net of allowance for credit losses of 159,039													6,543,622,000
advances from fhlb													27,586,000	28,035,000	28,488,000	62,559,000	63,569,000	64,570,000	65,561,000	66,543,000	67,518,000		80,085,000	81,111,000	77,620,000	73,531,000	128,114,000	43,934,000	99,643,000									334,787	360,240	335,689		336,578				285,395,000	286,653,000	281,713,000	281,753,000	281,753,000	281,747,000	281,687,000	281,753,000	281,753,000	281,735,000	281,687,000	281,741,000	281,718,000	281,675,000	281,724,000	331,895,000	331,853,000	348,114,000	180,000,000	195,000,000	165,000,000	285,500,000	300,000,000	300,000,000	300,000,000	301,500,000	300,000,000	300,000,000	310,800,000		306,000,000	206,500,000	211,000,000	205,000,000	205,000,000
accumulated other comprehensive income, net of tax of 8,646													-49,502,000
investment securities available-for-sale, at fair value, with amortized cost of 903,798(december 31, 2021, amortized cost 503,421); no allowance for credit losses														880,338,000
investment securities held-to-maturity, at amortized cost, with fair value of 329,969 (december 31, 2021 - 363,653); no allowance for credit losses														359,806,000
loans held for investment, net of allowance for credit losses of 157,075														6,390,896,000
accumulated other comprehensive income, net of tax of 3,007														-20,638,000
investment securities available-for-sale, at fair value, with amortized cost of 503,421(december 31, 2020, amortized cost 432,176); no allowance for credit losses															510,713,000
investment securities held-to-maturity, at amortized cost, with fair value of 363,653; no allowance for credit losses															367,507,000
loans held for investment, net of allowance for credit losses of 155,937															6,246,649,000
preferred stock; 10,000,000 shares authorized; (december 31, 2020 - 1,340,000 shares of series a; 1,380,000 shares of series b; and 960,000 shares of series d issued and outstanding) 25 liquidation value
accumulated other comprehensive income, net of tax of 1,328															5,160,000
trading securities, at fair value, with amortized cost of 432																22,000	29,000	23,000	22,000
investment securities available-for-sale, at fair value, with amortized cost of 497,450
(december 31, 2020, amortized cost 432,176); no allowance for credit losses																509,107,000	501,619,000	471,009,000
investment securities held-to-maturity, at amortized cost, with fair value of 371,827
no allowance for credit losses																375,214,000	125,138,000	126,767,000
federal home loan bank (fhlb) stock, at cost																7,496,000	7,541,000	8,233,000	8,278,000	8,322,000	8,366,000		12,821,000	12,800,000	12,644,000	12,461,000	14,919,000	11,499,000	13,995,000									21,189	24,381	24,430		24,470	22,156	33,458	38,411,000	22,865,000	22,868,000	23,779,000	23,779,000	23,779,000	23,779,000	22,496,000	22,496,000	22,496,000	22,496,000	19,937,000	19,937,000	19,937,000	19,812,000	19,812,000	22,062,000	20,658,000	21,387,000	13,909,000	14,197,000	12,847,000	18,269,000	19,403,000	27,058,000	27,058,000	28,160,000	28,160,000	28,160,000	22,537,000		22,537,000	17,320,000	17,320,000	17,320,000	17,320,000
other investments																10,434,000	9,168,000	5,557,000	3,962,000	2,205,000	1,076,000		3,000	3,000	3,000	3,000	3,000	3,000	3,000									65	65	65		65	66	66	73,000	69,000	69,000	69,000	73,000	75,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	1,613,000	31,770,000
loans held for investment, net of allowance for credit losses of 180,872																6,229,991,000
see notes to unaudited consolidated financial statements
securities purchased but not yet received																31,565,000																						30,057																	533,000	171,813,000	30,945,000	497,360,000	112,628,000		23,103,000	101,375,000		100,067,000	40,067,000	702,000	6,539,000	1,233,000			56,000	87,000	53,300,000	14,419,000	317,000	50,520,000		90,550,000	97,818,000
preferred stock; 10,000,000 shares authorized;
(december 31, 2020 - 1,340,000 shares of series a; 1,380,000 shares of series b; and 960,000 shares of series d issued and outstanding) 25 liquidation value
51,387,071 shares outstanding)																59,885,000
accumulated other comprehensive income, net of tax of 1,901																8,620,000
investment securities available-for-sale, at fair value, with amortized cost of 491,321
investment securities held-to-maturity, at amortized cost
loans held for investment, net of allowance for credit losses of 191,717																	6,306,375,000
960,000 shares of series d issued and outstanding
(december 31, 2020 - 1,340,000 shares; 1,380,000 shares; and 960,000 shares) 25 liquidation value																	24,000,000	92,000,000
51,387,071 )																	59,885,000	59,885,000
accumulated other comprehensive income, net of tax of 1,405																	7,600,000
investment securities available-for-sale, at fair value, with amortized cost of 462,115
loans held for investment, net of allowance for credit losses of 201,973																		6,391,553,000
1,340,000 shares of series a, 1,380,000 shares of series b, and 960,000 shares of series d issued and outstanding
accumulated other comprehensive income, net of tax of -1,200																		6,230,000
investment securities available-for-sale, at fair value, with amortized cost of 432,176
(december 31, 2019, amortized cost 1,074,475); no allowance for credit losses																			446,438,000
loans held for investment, net of allowance for credit losses of 204,809																			6,457,324,000
the accompanying notes are an integral part of these consolidated financial statements
(december 31, 2019 - 1,340,000 shares; 1,380,000 shares; and 960,000 shares) 25 liquidation value																			92,000,000	92,000,000	92,000,000
51,398,956 )																			59,885,000	59,885,000	59,885,000
accumulated other comprehensive income, net of tax of -1,529																			11,022,000
investment securities available-for-sale, at fair value, with amortized cost of 412,900
(december 31, 2019, amortized cost 1,074,475); no allowance for credit losses for any period																				423,815,000
loans held for investment, net of allowance for credit losses of 235,313																				6,524,614,000
core deposit, customer relationship and other intangibles																				48,650,000	51,406,000
accumulated other comprehensive income, net of tax of -753																				8,268,000
investment securities available-for-sale, at fair value, with amortized cost of 529,985
and allowance for credit losses of 0																					540,239,000
loans held for investment, net of allowance for credit losses of 232,701																					6,719,811,000
accumulated other comprehensive income, net of tax of -590																					7,588,000
item 3.
item 4.
part ii – other information
item 1.
item 1a.
item 2.
item 5.
item 6.
signatures
trading securities, at fair value, with amortized cost of 182
investment securities available-for-sale, at fair value, with amortized cost of 520,960
investment securities held-to-maturity, at amortized cost, with fair value of 410,353 at december 31, 2018
loans held for investment, net of allowance for loan losses of 154,343
derivative assets																							26,000	110,000	347,000	1,265,000	1,100,000	898,000	771,000									8,445	9,558	15,861		21,345	19,655	23,233	21,889,000	18,495,000	11,367,000	12,515,000	9,317,000	6,707,000	12,015,000
trading securities, at fair value, with amortized cost of 511																							412,000
investment securities available-for-sale, at fair value, with amortized cost of 860,911																							857,433,000
loans held for investment, net of allowance for loan losses of 162,642																							4,459,821,000
(december 31, 2018 - 1,340,000 shares; 1,380,000 shares; and 960,000 shares) 25 liquidation value																							92,000,000	92,000,000
51,293,924)																							59,885,000	59,885,000
accumulated other comprehensive loss, net of tax of 750																							-3,686,000
trading securities, at fair value, with amortized cost of 647																								381,000	360,000	405,000	418,000	293,000	191,000
investment securities available-for-sale, at fair value, with amortized cost of 1,248,749																								1,239,469,000
loans held for investment, net of allowance for loan losses of 162,488																								4,393,719,000
accumulated other comprehensive loss, net of tax of 1,562																								-8,047,000
investment securities available-for-sale, at fair value, with amortized cost of 854,511																									841,857,000
investment securities held-to-maturity, at amortized cost, with fair value of 410,353																									424,740,000
loans held for investment, net of allowance for loan and lease losses of 164,231																									4,421,226,000
(december 31, 2017 - 1,340,000 shares; 1,380,000 shares; and 960,000 shares) 25 liquidation value																									92,000,000	92,000,000	92,000,000	92,000,000
84,000 shares of series c issued and outstanding at december 31, 2017 1,000 liquidation value
43,947,442)																									59,885,000	52,626,000	52,626,000	52,626,000
accumulated other comprehensive																									-10,963,000	-20,795,000	-15,262,000	-12,185,000
investment securities available-for-sale, at fair value, with amortized cost of 872,895																										848,552,000
investment securities held-to-maturity, at amortized cost, with fair value of 425,066																										444,679,000
loans held for investment, net of allowance for loan and lease losses of 165,742																										4,344,001,000
84,000 shares of series c issued and outstanding (december 31, 2017 - 84,000 shares); 1,000 liquidation value																										84,000,000	84,000,000	84,000,000
investment securities available-for-sale, at fair value, with amortized cost of 890,308																											872,341,000
investment securities held-to-maturity, at amortized cost, with fair value of 447,947																											465,427,000
loans held for investment, net of allowance for loan and lease losses of 165,434																											4,305,651,000
investment securities available-for-sale, at fair value, with amortized cost of 815,970																												801,641,000
investment securities held-to-maturity, at amortized cost, with fair value of 467,980																												485,143,000
loans held for investment, net of allowance for loan and lease losses of 168,592																												4,122,924,000
investment securities available-for-sale, at fair value, with amortized cost of 648,800																													645,797,000
investment securities held-to-maturity, at amortized cost, with fair value of 497,681																													506,064,000
loans held for investment, net of allowance for loan and lease losses of 167,509																													4,044,057,000
fdic indemnification asset																																						120,619	143,660
1,340,000 shares of series a, 1,380,000 shares of series b, and 960,000 shares of series d issued and outstanding,
december 31, 2016 - 1,340,000 shares; 1,380,000 shares; and 960,000 shares) 25 liquidation value																													92,000,000
84,000 shares of series c issued and outstanding (december 31, 2016 - 84,000 shares); 1,000 liquidation value																													84,000,000
43,914,844)																													52,626,000
accumulated other comprehensive income, net of tax of 564																													-2,949,000
exhibit index
trading securities, at fair value, with amortized cost of 667
investment securities available-for-sale, at fair value, with amortized cost of 796,558
investment securities held-to-maturity, at amortized cost, with fair value of 570,963
mortgage loans held-for-sale, at lower of cost or fair value																																						16,757	14,792	19,355		47,085	78,350	77,644	64,544,000	38,211,000	34,718,000	33,439,000	26,939,000	33,619,000	34,246,000	34,216,000	33,979,000	31,432,000		27,785,000	26,213,000	40,886,000	34,278,000																	8,697,000
loans held for investment, net of allowance for loan and lease losses of 121,034
1,340,000 shares of series a, 1,380,000 shares of series b, and 960,000 shares of series d
issued and outstanding,
25 liquidation value
43,947,442 shares outstanding
accumulated other comprehensive income, net of tax of 296
see notes to unaudited financial statements
investment securities available-for-sale, at fair value, with amortized cost of 645,298
investment securities held-to-maturity, at amortized cost, with fair value of 643,530
loans held for investment, net of allowance for loan and lease losses of 162,216
84,000 shares of series c issued and outstanding (december 31, 2015 - 84,000 shares); 1,000 liquidation value
43,913,719 shares outstanding
accumulated other comprehensive income, net of tax of -456
investment securities available-for-sale, at fair value, with amortized cost of 653,673
investment securities held-to-maturity, at amortized cost, with fair value of 641,346
loans held for investment, net of allowance for loan and lease losses of 238,271
accumulated other comprehensive income, net of tax of 177
by:
josé rafael fernández
president and chief executive officer
date: march 14, 2016
trading securities, at fair value, with amortized cost of 1,324
investment securities available-for-sale, at fair value, with amortized cost of 982,754
investment securities held-to-maturity, at amortized cost, with fair value of 595,148
loans held for investment, net of allowance for loan and lease losses of 196,142
issued and outstanding, (december 31, 2014 - 1,340,000; 1,380,000; and 960,000) 25 liquidation value
84,000 shares of series c issued and outstanding (december 31, 2014 - 84,000); 1,000 liquidation value
43,867,909 shares outstanding
accumulated other comprehensive income, net of tax of 284
see notes to unaudited consolidated financial statements.
trading securities, at fair value, with amortized cost of 1,327
investment securities available-for-sale, at fair value, with amortized cost of 1,023,573
investment securities held-to-maturity, at amortized cost, with fair value of 547,776
non-covered loans, net of allowance for loan and lease losses of 102,877
covered loans, net of allowance for loan and lease losses of 71,452
foreclosed real estate covered under shared-loss agreements with the fdic																																						49,814	46,609	37,785		28,022	25,193	26,528	22,283,000	21,635,000	13,910,000	12,181,000	13,867,000	16,319,000	16,918,000	17,302,000	15,962,000
foreclosed real estate not covered under shared-loss agreements with the fdic																																						50,750	55,626	59,099		56,432	56,496	54,810	53,164,000	17,765,000	17,721,000	16,356,000	13,812,000	14,675,000		12,793,000	11,969,000
44,367,909 shares outstanding
accumulated other comprehensive income, net of tax of -185
investment securities available-for-sale, at fair value, with amortized cost of 1,092,040
investment securities held-to-maturity, at amortized cost, with fair value of 175,856
non-covered loans, net of allowance for loan and lease losses of 96,375
covered loans, net of allowance for loan and lease losses of 70,651
44,664,693 shares outstanding
accumulated other comprehensive income, net of tax of 692
date: february 26, 2015
securities purchased under agreements to resell																																										85,000		60,000	80,000,000	270,000,000	225,000,000	170,000,000		165,000,000														16,200,000
trading securities, at fair value, with amortized cost of 2,419																																						1,687	1,613
investment securities available-for-sale, at fair value, with amortized cost of 1,249,769																																						1,273,879
investment securities held-to-maturity, at amortized cost, with fair value of 144,217																																						144,305
non-covered loans, net of allowance for loan and lease losses of 64,859																																						4,528,452
covered loans, net of allowance for loan and lease losses of 62,227																																						311,693
issued and outstanding, (december 31, 2013 - 1,340,000; 1,380,000; and 960,000) 25 liquidation value																																						92,000	92,000	92,000
84,000 shares of series c issued and outstanding (december 31, 2013 - 84,000); 1,000 liquidation value																																						84,000	84,000	84,000
45,059,988 shares outstanding																																						52,761
accumulated other comprehensive income, net of tax of 1,867																																						13,411
investment securities available-for-sale, at fair value, with amortized cost of 1,385,438																																							1,418,958
investment securities held-to-maturity, at amortized cost, with fair value of 26,844																																							26,706
non-covered loans, net of allowance for loan and lease losses of 60,360																																							4,586,904
covered loans, net of allowance for loan and lease losses of 59,515																																							334,344
45,022,823 shares outstanding																																							52,730
accumulated other comprehensive income, net of tax of 1,134																																							21,755
trading securities, at fair value, with amortized cost of 2,453																																								1,910
investment securities available-for-sale, at fair value, with amortized cost of 1,437,106																																								1,455,685
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 56,183																																								4,635,394
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 54,398																																								347,865
fdic shared-loss indemnification asset																																								166,194		207,908	236,472	266,958	286,799,000	328,573,000	359,767,000	378,444,000	392,367,000	392,096,000	437,434,000	436,889,000	471,872,000	562,364,000
federal funds purchased																																								23,712																													11,641,000	12,310,000
45,003,924 shares outstanding																																								52,714
accumulated other comprehensive income, net of tax of 87																																								8,022
date: march 3, 2014
trading securities, at fair value, with amortized cost of 2,606																																										2,124
investment securities available-for-sale, at fair value, with amortized cost of 1,654,133																																										1,677,248
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 49,614																																										4,720,174
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 56,555																																										361,564
short term borrowings																																												60,846	92,222,000
issued and outstanding, (december 31, 2012 - 1,340,000; 1,380,000; and 960,000) 25 liquidation value																																										92,000	92,000
84,000 shares of series c issued and outstanding (december 31, 2012 - 84,000); 1,000 liquidation value																																										84,000	84,000	84,000
45,660,522 shares outstanding																																										52,691
accumulated other comprehensive income, net of tax of 786																																										10,832
cash and cash equivalents																																																																		34,052,000
trading securities, at fair value, with amortized cost of 2,286																																											2,209
investment securities available-for-sale, at fair value, with amortized cost of 1,807,335																																											1,836,229
securities sold but not yet delivered																																											16,732											317,209,000	1,490,000	116,747,000	417,280,000	360,764,000	289,565,000	4,857,000		26,995,000	45,866,000	46,461,000	74,289,000	87,487,000	710,000	1,192,000	707,000	1,034,000	179,000	688,000	23,369,000	12,188,000	7,304,000	156,487,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 46,625																																											4,543,299
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 53,992																																											369,380
certificates of deposit																																											2,363,845	2,487,075	2,607,588,000	915,005,000	930,173,000	1,033,699,000	1,163,737,000	1,142,428,000	1,194,914,000	1,313,083,000	1,398,644,000	1,472,763,000	1,448,187,000	977,903,000	1,075,689,000	1,107,444,000	1,182,359,000	1,006,468,000	960,368,000	860,004,000	821,405,000	891,852,000	905,656,000	943,683,000	901,553,000	1,021,398,000	1,072,564,000	1,006,807,000	950,886,000	811,037,000	814,480,000	467,562,000		439,214,000
advances from fhlb and other borrowings																																											322,300	462,906	554,177,000
45,640,105 shares outstanding																																											52,689
accumulated other comprehensive income, net of tax of -174																																											15,766
trading securities, at fair value, with amortized cost of 1,835																																												1,787
investment securities available-for-sale, at fair value, with amortized cost of 1,948,685																																												2,013,155
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of
42,720																																												4,757,003
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of
52,974																																												379,734
issued and outstanding, (december 31, 2012 - 1,340,000 ; 1,380,000 ; and 960,000) 25 liquidation value																																												92,000
45,621,199 shares outstanding																																												52,671
accumulated other comprehensive income, net of tax of 1,101																																												47,051
trading securities, at fair value, with amortized cost of 508																																													495,000
investment securities available-for-sale, at fair value, with amortized cost of 2,118,825																																													2,194,286,000
investment securities held-to-maturity, at amortized cost, with fair value of 904,556 at december 31, 2011
39,921																																													4,722,174,000
54,124																																													395,307,000
fdic-guaranteed term notes																																																	105,834,000	105,112,000	105,834,000	105,112,000	105,834,000	105,112,000	105,834,000	105,112,000	105,112,000	105,834,000	105,112,000
issued and outstanding, (december 31, 2011 - 1,340,000 ; 1,380,000 ; and 0) 25 liquidation value																																													92,000,000
84,000 shares of series c issued and outstanding (december 31, 2011 - 0); 1,000 liquidation value																																													84,000,000
45,580,281 shares outstanding																																													52,671,000
accumulated other comprehensive income, net of tax of 1,802																																													55,880,000
the accompanying notes are an integral part of these consolidated financial statements.
trading securities, at fair value, with amortized cost of 1,503																																														1,514,000
investment securities available-for-sale, at fair value, with amortized cost of 2,228,629																																														2,293,550,000
investment securities held-to-maturity, at amortized cost, with fair value of 874,921																																														835,084,000
39,120																																														1,144,519,000
56,865																																														413,588,000
1,340,000 shares of series a and 1,380,000 shares of series b issued and outstanding, 25 liquidation value																																														68,000,000
84,000 shares of series c issued and outstanding; 1,000 liquidation value																																														84,000,000
40,745,946 shares outstanding																																														47,842,000
accumulated other comprehensive income, net of tax of -2,411																																														9,063,000
trading securities, at fair value, with amortized cost of 211																																															214,000
investment securities available-for-sale, at fair value, with amortized cost of 2,536,772																																															2,612,839,000
investment securities held-to-maturity, at amortized cost, with fair value of 925,266																																															895,500,000
37,402																																															1,137,918,000
58,628																																															447,720,000
preferred stock, 1 par value; 10,000,000 shares authorized; 1,340,000 shares of series a and
1,380,000 shares of series b issued and outstanding, 25 liquidation value																																															68,000,000
40,730,831 shares outstanding																																															47,842,000
accumulated other comprehensive income, net of tax of -1,411																																															21,261,000
trading securities, at fair value, with amortized cost of 365																																																364,000
investment securities available-for-sale, at fair value, with amortized cost of 2,591,603																																																2,672,416,000
investment securities held-to-maturity, at amortized cost, with fair value of 969,400																																																948,490,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 37,361																																																1,161,293,000
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 56,437																																																461,759,000
short-term borrowings																																																43,564,000	39,920,000	46,619,000	31,812,000	32,335,000	42,470,000	29,959,000
preferred stock, 1 par value; 10,000,000 shares authorized; 1,340,000 shares of series a and 1,380,000 shares of series b issued and outstanding, 25 liquidation value.																																																68,000,000		68,000,000	68,000,000	68,000,000
accumulated other comprehensive income, net of tax of 1,464																																																30,098,000
trading securities, at fair value, with amortized cost of 176																																																	180,000
investment securities available-for-sale, at fair value, with amortized cost of 2,873,682																																																	2,959,912,000
investment securities held-to-maturity, at amortized cost, with fair value of 904,556																																																	884,026,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 37,010																																																	1,146,738,000
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 37,256																																																	496,276,000
fdic net settlement payable																																																	115,000	41,000	602,000	1,774,000	24,839,000	41,601,000
preferred stock, 1 par value; 10,000,000 shares authorized; 1,340,000 shares of series a and 1,380,000 shares of series b issued and outstanding, 25 liquidation value																																																	68,000,000				68,000,000	68,000,000
accumulated other comprehensive income, net of tax of 1,848																																																	37,131,000
trading securities, at fair value, with amortized cost of 343																																																		346,000
investment securities available-for-sale, at fair value, with amortized cost of 3,154,057																																																		3,226,972,000
investment securities held-to-maturity, at amortized cost, with fair value of 854,633																																																		837,920,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 35,869																																																		1,125,769,000
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 37,240																																																		524,490,000
accumulated other comprehensive income, net of tax of 249																																																		24,719,000
trading securities, at fair value, with amortized cost of 874																																																			864,000
investment securities available-for-sale, at fair value, with amortized cost of 3,529,671																																																			3,581,087,000
investment securities held-to-maturity, at amortized cost, with fair value of 858,226																																																			863,779,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 34,229																																																			1,130,460,000
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 53,036																																																			542,543,000
foreclosed real estate not covered uder shared-loss agreements with the fdic																																																			12,031,000
accumulated other comprehensive income, net of tax of 2,799																																																			34,874,000
trading securities, at fair value, with amortized cost of 1,447																																																				1,444,000
investment securities available-for-sale, at fair value, with amortized cost of 3,562,745																																																				3,587,930,000
investment securities held-to-maturity, at amortized cost, with fair value of 855,816																																																				875,494,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 32,727																																																				1,108,324,000
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 53,480																																																				589,912,000
forward settlement swaps																																																				7,203,000	11,023,000
investment in equity indexed options																																																				11,764,000	9,870,000				5,983,000	2,412,000	3,052,000	13,548,000	27,641,000	34,475,000
investment in swap options																																																				7,804,000	7,422,000
accumulated other comprehensive income, net of tax of																																																				30,319,000	36,987,000	13,079,000	25,362,000
trading securities, at fair value, with amortized cost of 1,307																																																					1,330,000
investment securities available-for-sale, at fair value, with amortized cost of 3,661,146																																																					3,700,064,000
investment securities held-to-maturity, at amortized cost, with fair value of 675,721 at december 31, 2010																																																					689,917,000
loans not covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 31,430																																																					1,117,859,000
loans covered under shared-loss agreements with the fdic, net of allowance for loan and lease losses of 49,286 at december 31, 2010																																																					620,732,000
trading securities, at fair value, with amortized cost of 100																																																						102,000
investment securities available-for-sale, at fair value, with amortized cost of 4,304,055																																																						4,317,088,000
loans not covered under shared loss agreements with the fdic, net of allowance for loan and lease losses of 29,640																																																						1,107,338,000
loans covered under shared loss agreements with the fdic																																																						722,858,000
foreclosed real estate covered under shared loss agreements with the fdic																																																						19,322,000
foreclosed real estate not covered under shared loss agreements with the fdic																																																						13,765,000
core deposit intangible																																																						1,363,000	1,399,000
servicing asset																																																						9,647,000	9,285,000	7,569,000
trading securities, at fair value with amortized cost of 55																																																							56,000
investment securities available-for-sale, at fair value with amortized cost of 4,913,939																																																							4,941,528,000
mortgage loans not-covered by fdic shared-loss agreements held-for-sale, at lower of cost or fair value																																																							27,519,000
non-covered loans receivable, net of allowance for loan and lease losses of 28,002																																																							1,109,585,000
loans covered by fdic shared loss agreements																																																							809,895,000
fdic loss-share indemnification asset																																																							517,695,000
covered foreclosed real estate																																																							19,495,000
non-covered foreclosed real estate																																																							12,277,000
federal funds purchased and other short-term borrowings																																																							45,200,000	37,953,000
purchase money note issued to the fdic																																																							711,076,000
preferred stock, 1 par value; 10,000,000 shares authorized; 1,340,000 shares of series a and 1,380,000 shares of series b issued and outstanding, 25 liquidation value;200,000 shares of series c issued and outstanding, 1,000 liquidation value																																																							245,289,000
additional paid-in capital from beneficial conversion feature																																																							22,711,000
trading securities, at fair value with amortized cost of 293																																																								293,000
investment securities available-for-sale, at fair value with amortized cost of 4,673,956																																																								4,616,819,000
loans receivable, net of allowance for loan losses of 25,977																																																								1,103,494,000
preferred stock, 1 par value; 5,000,000 shares authorized; 25 liquidation value; 1,340,000 shares of series a and 1,380,000 shares of series b issued and outstanding																																																								68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000	68,000,000		68,000,000
accumulated other comprehensive loss, net of tax of 3,966																																																								-52,996,000
trading securities, at fair value with amortized cost of 37																																																									39,000
investment securities available-for-sale, at fair value with amortized cost of 4,604,048
securities pledged that can be repledged																																																									3,919,168,000	4,494,030,000	4,333,749,000	3,169,863,000	3,213,381,000	3,301,880,000	2,663,438,000	1,846,450,000	1,805,124,000	788,508,000	974,763,000	668,561,000	414,557,000	409,556,000	573,585,000	470,910,000	1,145,672,000	966,863,000		737,285,000	1,685,188,000	1,675,979,000	1,344,248,000	1,571,124,000
other investment securities																																																									573,458,000	456,490,000	221,784,000	137,957,000	168,926,000	163,861,000	165,733,000	59,878,000	20,818,000	246,824,000	225,481,000	420,052,000	602,798,000	620,164,000	612,845,000	766,243,000	434,349,000	414,552,000		543,248,000	333,363,000	353,595,000	360,170,000	15,898,000
total investment securities available-for-sale																																																									4,492,626,000	4,950,520,000	4,555,533,000	3,307,820,000	3,382,307,000	3,465,741,000	2,829,171,000	1,906,328,000	1,825,942,000	1,035,332,000	1,200,244,000	1,088,613,000	1,017,355,000	1,029,720,000	1,186,430,000	1,237,153,000	1,580,021,000	1,381,415,000		1,280,533,000	2,018,551,000	2,029,574,000	1,704,418,000	1,587,022,000
loans receivable, net of allowance for loan losses of 20,176																																																									1,125,379,000
federal funds purchased and other short term borrowings																																																									35,328,000	27,748,000	44,310,000	41,026,000	41,583,000	36,517,000	27,246,000	24,641,000	3,139,000	45,070,000	17,098,000	13,811,000
accumulated other comprehensive loss, net of tax of 4,881																																																									-106,367,000
trading securities, at fair value with amortized cost of 888																																																										904,000
investment securities available-for-sale, at fair value with amortized cost of 5,064,700
loans receivable, net of allowance for loan losses of 16,718																																																										1,146,188,000
accumulated other comprehensive loss, net of tax of 4,165																																																										-109,840,000
trading securities, at fair value with amortized cost of 633																																																											608,000
investment securities available-for-sale, at fair value with amortized cost of 4,648,495
loans receivable, net of allowance for loan losses of 15,147																																																											1,165,153,000
accumulated other comprehensive loss, net of tax of 1,825																																																											-86,832,000
trading securities, at fair value with amortized cost of 1,078																																																												1,061,000
investment securities available-for-sale, at fair value with amortized cost of 3,403,608
investment securities held-to-maturity, at amortized cost with fair value of 1,171,853
total investment securities held-to-maturity																																																												1,191,671,000	1,238,147,000	1,277,171,000	1,555,671,000	1,764,585,000	1,903,707,000	2,182,612,000	2,243,219,000	2,306,410,000	2,261,155,000	2,134,746,000	2,032,519,000	2,008,489,000	1,319,176,000	1,233,033,000		899,139,000
mortgage loans held-for-sale, at lower of cost or market																																																												31,152,000	42,122,000	25,577,000	21,607,000	66,032,000	42,204,000	8,582,000	9,564,000	12,998,000	19,572,000	17,963,000	15,489,000	5,567,000	5,968,000	7,600,000
loans receivable, net of allowance for loan losses of 12,466																																																												1,188,686,000
accumulated other comprehensive loss, net of tax of 5,317																																																												-105,530,000
trading securities, at fair value with amortized cost of 1,298																																																													1,311,000
investment securities available-for-sale, at fair value with amortized cost of 3,467,005
investment securities held-to-maturity, at amortized cost with fair value of 1,198,736
loans receivable, net of allowance for loan losses of 11,885																																																													1,176,035,000
accumulated other comprehensive loss, net of tax of 4,402																																																													-95,654,000
trading securities, at fair value with amortized cost of 92																																																														93,000
investment securities available-for-sale, at fair value with amortized cost of 3,497,906
investment securities held-to-maturity, at amortized cost with fair value of 1,263,260
loans receivable, net of allowance for loan losses of 11,092																																																														1,159,856,000
accumulated other comprehensive loss, net of tax of 246																																																														-47,963,000
time deposits with other banks																																																															5,000,000	5,000,000	5,000,000	5,000,000	30,000,000	60,000,000	60,000,000	30,000,000									404,000	21,699,000
trading securities, at fair value with amortized cost of 243																																																															240,000
investment securities available-for-sale, at fair value with amortized cost of 2,832,329
investment securities held-to-maturity, at amortized cost with fair value of 1,526,876
loans receivable, net of allowance for loan losses of 9,055
term notes																																																																		15,000,000	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000	15,000,000		15,000,000	15,000,000	15,000,000	15,000,000	15,000,000
accumulated other comprehensive loss, net of tax of 7																																																															-19,796,000
trading securities, at fair value with amortized cost of 548																																																																548,000
investment securities available-for-sale, at fair value with amortized cost of 1,940,707
investment securities held-to-maturity, at amortized cost with fair value of 1,714,608
loans receivable, net of allowance for loan losses of 8,432																																																																1,206,145,000
accumulated other comprehensive loss, net of tax of 4,030																																																																-47,812,000
trading securities, at fair value with amortized cost of 463																																																																	461,000
investment securities available-for-sale, at fair value with amortized cost of 1,828,459
investment securities held-to-maturity, at amortized cost with fair value of 1,880,479
other intestments																																																																	31,578,000
loans receivable, net of allowance for loan losses of 8,046																																																																	1,191,690,000
accumulated other comprehensive loss, net of tax of 351																																																																	-20,897,000
trading securities, at fair value with amortized cost of 349																																																																		347,000
investment securities available-for-sale, at fair value with amortized cost of 1,058,283
investment securities held-to-maturity, at amortized cost with fair value of 2,141,020
loans receivable, net of allowance for loan losses of 7,645																																																																		1,169,869,000
accumulated other comprehensive loss, net of tax of 1,314																																																																		-26,040,000
short term investments																																																																			35,722,000	70,288,000	70,387,000	39,791,000	5,231,000	25,112,000	74,602,000	6,093,000		31,350,000
trading securities, at fair value with amortized cost of 362																																																																			368,000
investment securities available-for-sale, at fair value with amortized cost of 1,245,907
investment securities held-to-maturity, at amortized cost with fair value of 2,158,770
loans receivable, net of allowance for loan losses of 7,501																																																																			1,144,374,000
accumulated other comprehensive loss, net of tax of 3,381																																																																			-40,410,000
trading securities, at fair value with amortized cost of 319																																																																				320,000
investment securities available-for-sale, at fair value with amortized cost of 1,123,556
investment securities held-to-maturity, at amortized cost with fair value of 2,244,432
loans receivable, net of allowance for loan losses of 7,160																																																																				928,242,000
accumulated other comprehensive loss, net of tax of 2,389																																																																				-39,701,000
trading securities, at fair value with amortized cost of 185																																																																					188,000
investment securities available-for-sale, at fair value with amortized cost of 1,034,663
investment securities held-to-maturity, at amortized cost with fair value of 2,239,607
loans receivable, net of allowance for loan losses of 6,837																																																																					882,152,000
securities and loans purchased but not yet received																																																																					100,000,000	22,772,000
accumulated other comprehensive loss, net of tax benefit of 1,055																																																																					-35,902,000
trading securities, at fair value with amortized cost of 259																																																																						265,000
investment securities available-for-sale, at fair value with amortized cost of 1,036,153
investment securities held-to-maturity, at amortized cost with fair value of 2,142,708
loans receivable, net of allowance for loan losses of 6,495																																																																						889,428,000
accumulated other comprehensive loss, net of tax benefit of 311																																																																						-38,383,000
trading securities, at fair value with amortized cost of 264																																																																							267,000
investment securities available-for-sale, at fair value with amortized cost of 1,200,799
investment securities held-to-maturity, at amortized cost with fair value of 2,013,926
loans receivable, net of allowance for loan losses of 6,980																																																																							843,408,000
accumulated other comprehensive loss, net of tax effect of 243																																																																							-39,782,000
trading securities, at fair value with amortized cost of 1,101																																																																								1,115,000
investment securities available-for-sale, at fair value with amortized cost of 1,234,081
investment securities held-to-maturity, at amortized cost with fair value of 2,020,056
loans receivable, net of allowance for loan losses of 7,565																																																																								766,142,000
accumulated other comprehensive loss, net of tax effect of 359																																																																								-37,023,000
trading securities, at fair value with amortized cost of 52																																																																									54,000
investment securities available-for-sale, at fair value with amortized cost of 1,573,600
investment securities held-to-maturity, at amortized cost with fair value of 1,332,739
loans receivable, net of allowance for loan losses of 7,860																																																																									820,297,000
accumulated other comprehensive loss, net of tax effect of 196																																																																									-40,514,000
see notes to consolidated financial statements.
trading securities, at fair value with amortized cost of 2,803																																																																										2,820,000
investment securities available-for-sale, at fair value with amortized cost of 1,357,146
investment securities held-to-maturity, at amortized cost with fair value of 1,262,922
loans receivable, net of allowance for loan losses of 6,632																																																																										710,512,000
investment in equity options																																																																										14,450,000
individual retirement accounts																																																																										366,261,000		353,732,000
accumulated other comprehensive loss, net of tax effect of 3,503																																																																										-38,534,000
trading securities, at fair value with amortized cost of 2,119																																																																												2,154,000
investment securities available-for-sale, at fair value, with amortized cost of 1,259,340
investment securities held-to-maturity, at amortized cost (with fair value of 921,505) :
loans receivable, net of allowance for loan losses of 5,889																																																																												675,544,000
saving accounts																																																																												85,623,000
trust redeemable preferred securities																																																																												70,000,000
accumulated other comprehensive loss, net of tax effect of 1,108
short term investments - money market																																																																													3,673,000	878,000
trading securities, at fair value with amortized cost of 1,574																																																																													1,631,000
investment securities available-for-sale, at fair value with amortized cost of 1,966,827
securities and loans sold but not yet delivered																																																																													12,169,000	16,884,000	153,021,000
loans held-for-sale, at lower of cost or market																																																																													14,631,000	13,516,000	12,122,000	18,657,000
loans receivable, net of allowance for loan losses of 4,075																																																																													670,232,000
savings and demand																																																																													208,158,000	203,048,000	201,252,000	175,126,000
time and ira accounts																																																																													831,238,000	746,206,000	800,280,000	653,298,000
accrued interest																																																																													1,809,000	2,077,000	2,200,000	2,072,000
preferred stock, 1 par value; 5,000,000 shares authorized; 25 liquidation value; 1,340,000 shares issued and outstanding																																																																													33,500,000	33,500,000	33,500,000	33,500,000
accumulated other comprehensive income, net of tax expense of 3,727																																																																													10,777,000
trading securities that cannot be repledged, at fair value																																																																														1,448,000	33,574,000	61,427,000
investment securities available-for-sale, at fair value:
loans receivable, net of allowance for loan losses of 3,901																																																																														652,874,000
accumulated other comprehensive income, net of tax expense of 3,887																																																																														14,777,000
total short term investments																																																																															2,094,000	45,699,000
loans receivable, net of allowance for loan losses of 3,300, september 30, 2002 and 3,039, june 30, 2002																																																																															610,341,000
accumulated other comprehensive income, net of tax expense of 2,523																																																																															13,371,000
loans receivable, net of allowance for loan losses of 3,048, march 31, 2002 and 2,856, june 30, 2001																																																																																544,057,000
investments in equity options																																																																																20,641,000
accumulated other comprehensive loss, net of tax expense of 699

We provide you with 20 years of balance sheets for OFG Bancorp stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as asset and liabilities, payables and receivables, long debts and short debts, cash and inventories, expenses and profits. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of OFG Bancorp. Explore the full financial landscape of OFG Bancorp stock with our expertly curated balance sheets.

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