0001030469-14-000009.txt : 20140303 0001030469-14-000009.hdr.sgml : 20140303 20140303083544 ACCESSION NUMBER: 0001030469-14-000009 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140303 DATE AS OF CHANGE: 20140303 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: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-12647 FILM NUMBER: 14658237 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 10-K 1 ofg10k20131231.htm FORM 10-K  

 

 

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 10-K

þ       ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934  

           For the Fiscal Year Ended December 31, 2013

or

¨       TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

           For the Transition Period from to                      to                     .

Commission File No. 001-12647

OFG Bancorp

Incorporated in the Commonwealth of Puerto Rico

IRS Employer Identification No. 66-0538893

Principal Executive Offices:

254 Muñoz Rivera Avenue

San Juan, Puerto Rico 00918

Telephone Number: (787) 771-6800

 

Securities Registered Pursuant to Section 12(b) of the Act:

Common Stock ($1.00 par value per share)

7.125% Noncumulative Monthly Income Preferred Stock, Series A  ($25.00 liquidation preference per share)

7.0% Noncumulative Monthly Income Preferred Stock, Series B  ($25.00 liquidation preference per share)

8.75% Noncumulative Convertible Perpetual Preferred Stock, Series C  ($1,000.00 liquidation preference per share)

7.125% Noncumulative Perpetual Preferred Stock, Series D  ($25.00 liquidation preference per share)

Securities Registered Pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.    Yes  þ        No  ¨   

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.    Yes  ¨        No  þ   

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  þ        No  ¨   

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes  þ        No  ¨   

Indicate by check mark if disclosure of delinquent filings pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.    ¨   

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):

 

 

 

 

 

Large accelerated filer  þ.  

                     Accelerated filer  ¨   

                     Non-accelerated filer  ¨   

                     Smaller reporting company  ¨   

 

                                 (Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨        No  þ   

The aggregate market value of the common stock held by non-affiliates of OFG Bancorp (the “Company”) was approximately $826.5 million as of June 30, 2013 based upon 45,640,105 shares outstanding and the reported closing price of $18.11 on the New York Stock Exchange on that date.

As of January 31, 2014, the Company had  45,676,922 shares of common stock outstanding.

 

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Company’s definitive proxy statement relating to the 2014 annual meeting of shareholders are incorporated herein by reference in response to Items 10 through 14 of Part III, except for certain information set forth herein under Item 12.

 

 

 

OFG Bancorp

FORM 10-K

For the Year Ended December 31, 2013

TABLE OF CONTENTS

 

 

 

 

PART I

 

 

 

Item 1.

Business.........................................................................................................................................................................................

4-17

 

 

 

Item 1A.

Risk Factors..................................................................................................................................................................................

17-27

 

 

 

Item 1B.

Unresolved Staff Comments.....................................................................................................................................................

28

 

 

 

Item 2.

Properties.......................................................................................................................................................................................

28

 

 

 

Item 3.

Legal Proceedings........................................................................................................................................................................

28
     
     
     

Item 4.

Mine Safety Disclosures.............................................................................................................................................................

28
     

 

 

PART II

 

 

 

Item 5.

Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of
Equity Securities...........................................................................................................................................................................

28-29

 

 

 

Item 6.

Selected Financial Data..............................................................................................................................................................

30-32

 

 

 

Item 7.

Management’s Discussion and Analysis of Financial Condition and Results of Operations........................................

33-81

 

 

 

Item 7A.

Quantitative and Qualitative Disclosures About Market Risk............................................................................................

82-86

 

 

 

Item 8.

Financial Statements and Supplementary Data....................................................................................................................

87-195

 

 

 

Item 9.

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure........................................

196

 

 

 

Item 9A.

Controls and Procedures.............................................................................................................................................................

196

 

 

 

Item 9B.

Other Information.......................................................................................................................................................................

196

 

PART III

 

 

 

 

 

 

Item 12.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters...................

197-199

 

 

 

 

 

 

 

PART IV

 

 

 

Item 15.

Exhibits and Financial Statement Schedules .........................................................................................................................

199-201

 

 

 

FORWARD-LOOKING STATEMENTS

 

The information included in this annual report on Form 10-K contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may relate to the financial condition, results of operations, plans, objectives, future performance and business of OFG Bancorp (“we,” “our,” “us” or the “Company”), including, but not limited to, statements with respect to the adequacy of the allowance for loan losses, delinquency trends, market risk and the impact of interest rate changes, capital markets conditions, capital adequacy and liquidity, and the effect of legal proceedings and new accounting standards on the Company’s financial condition and results of operations. All statements contained herein that are not clearly historical in nature are forward-looking, and the words “anticipate,” “believe,” “continues,” “expect,” “estimate,” “intend,” “project” and similar expressions and future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may,” or similar expressions are generally intended to identify forward-looking statements.

 

These statements are not guarantees of future performance and involve certain risks, uncertainties, estimates and assumptions by management that are difficult to predict. Various factors, some of which by their nature are beyond the Company’s control, could cause actual results to differ materially from those expressed in, or implied by, such forward-looking statements. Factors that might cause such a difference include, but are not limited to:

 

·      the rate of growth in the economy and employment levels, as well as general business and economic conditions;

·      changes in interest rates, as well as the magnitude of such changes;

·      the fiscal and monetary policies of the federal government and its agencies;

·      a credit default by the U.S. or Puerto Rico governments or a downgrade in the credit ratings of the U.S. or Puerto

Rico governments;

·      changes in federal bank regulatory and supervisory policies, including required levels of capital;

·      the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) on the

Company’s businesses, business practices and cost of operations;

·      the relative strength or weakness of the consumer and commercial credit sectors and of the real estate market in

Puerto Rico;

·      the performance of the stock and bond markets;

·      competition in the financial services industry;

·      additional Federal Deposit Insurance Corporation (“FDIC”) assessments; and

·      possible legislative, tax or regulatory changes.

 

Other possible events or factors that could cause results or performance to differ materially from those expressed in these forward-looking statements include the following: negative economic conditions that adversely affect the general economy, housing prices, the job market, consumer confidence and spending habits which may affect, among other things, the level of non-performing assets, charge-offs and provision expense; changes in interest rates and market liquidity which may reduce interest margins, impact funding sources and affect the ability to originate and distribute financial products in the primary and secondary markets; adverse movements and volatility in debt and equity capital markets; changes in market rates and prices which may adversely impact the value of financial assets and liabilities; liabilities resulting from litigation and regulatory investigations; changes in accounting standards, rules and interpretations; increased competition; the Company’s ability to grow its core businesses; decisions to downsize, sell or close units or otherwise change the Company’s business mix; and management’s ability to identify and manage these and other risks.

All forward-looking statements included in this annual report on Form 10-K are based upon information available to the Company as of the date of this report, and other than as required by law, including the requirements of applicable securities laws, the Company assumes no obligation to update or revise any such forward-looking statements to reflect occurrences or unanticipated events or circumstances after the date of such statements.

 

 

 

ITEM 1.      BUSINESS 

 

General

The Company is a publicly-owned financial holding company incorporated on June 14, 1996 under the laws of the Commonwealth of Puerto Rico, providing a full range of banking and financial services through its subsidiaries. The Company is subject to the provisions of the U.S. Bank Holding Company Act of 1956, as amended, (the “BHC Act”) and accordingly, subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”).

The Company provides comprehensive banking and financial services to its clients through a complete range of banking and financial solutions, including commercial, consumer and mortgage lending; leasing; checking and savings accounts; financial planning, insurance, financial service, and investment brokerage; and corporate and individual trust and retirement services. The Company operates through three major business segments: Banking, Financial Services, and Treasury, and distinguishes itself based on quality service and marketing efforts focused on mid and high net worth individuals and families, including professionals and owners of small and mid-sized businesses, primarily in Puerto Rico.  The Company provides these services through various subsidiaries including, a commercial bank, Oriental Bank, a securities broker-dealer, Oriental Financial Services Corp. (“Oriental Financial Services”), an insurance agency, Oriental Insurance, Inc. (“Oriental Insurance”) and a retirement plan administrator, Caribbean Pension Consultants, Inc. (“CPC”).  All of our subsidiaries are based in San Juan, Puerto Rico, except for CPC which is based in Boca Raton, Florida.  The Company has 55 branches in Puerto Rico.  The Company’s long-term goal is to strengthen its banking and financial services franchise by expanding its lending businesses, increasing the level of integration in the marketing and delivery of banking and financial services, maintaining effective asset-liability management, growing non-interest revenue from banking and financial services, and improving operating efficiencies.

The Company’s strategy involves:

·         Strengthening its banking and financial services franchise by expanding its ability to attract deposits and build relationships with individual customers and professionals and mid-market commercial businesses through aggressive marketing and expansion of its sales force;

·         Focusing on greater growth in commercial, consumer and mortgage lending, trust and financial services and insurance products; and increasing the level of integration in the marketing and delivery of banking and financial services;

·         Matching its portfolio of investment securities with the related funding to achieve favorable spreads, and primarily investing in U.S. government sponsored agency obligations.

·         Improving operating efficiencies, and continuing to maintain effective asset-liability management; and

·         Implementing a broad ranging effort to instill in employees and make customers aware of the Company’s determination to effectively serve and advise its customer base in a responsive and professional manner.

Together with a highly experienced group of senior and mid level executives and the benefits from the acquisitions of Eurobank Puerto Rico and the Puerto Rico operations of Banco Bilbao Vizcaya Argentaria, S.A.(“BBVA”), this strategy has resulted in sustained growth in the Company’s deposit-taking activities, commercial, consumer and mortgage lending and financial service activities, allowing the Company to distinguish itself in a highly competitive industry. The Company is not immune from general and local financial and economic conditions. Past experience is not necessarily indicative of future performance, especially given market uncertainties, but based on a reasonable time horizon of three to five years, the strategy is expected to maintain its steady progress towards the Company’s long-term goal.

 

The Company’s principal funding sources are branch deposits, securities sold under agreements to repurchase, Federal Home Loan Bank (“FHLB”) advances, Federal Reserve Bank (“FRB”) advances, wholesale deposits, and subordinated capital notes. Through its branch network, Oriental Bank offers personal non-interest and interest-bearing checking accounts, savings accounts, certificates of deposit, individual retirement accounts (“IRAs”) and commercial non-interest bearing checking accounts. The FDIC insures Oriental Bank’s deposit accounts up to applicable limits. Management makes retail deposit pricing decisions periodically, adjusting the rates paid on retail deposits in response to general market conditions and local competition. Pricing decisions take into account the rates being offered by other local banks, the London Interbank Offered Rate (“LIBOR”), and mainland U.S. market interest rates.

 

4

 

 

 

 

Significant Transactions During 2013 – The BBVAPR Integration

 

The Company has completed the conversion of all former BBVAPR businesses to our state-of-the-art technology platform in line with our original integration plan. This will enable us to roll out new, technology-enhanced products and services to our current and target customer base.

On December 18, 2012, the Company purchased from BBVA, all of the outstanding common stock of each of (i) BBVAPR Holding Corporation (“BBVAPR Holding”), the sole shareholder of Banco Bilbao Vizcaya Argentaria Puerto Rico (“BBVAPR Bank”), a Puerto Rico chartered commercial bank, and BBVA Seguros, Inc. (“BBVA Seguros”), an insurance agency, and (ii) BBVA Securities of Puerto Rico, Inc. (“BBVA Securities”), a registered broker-dealer. The acquired businesses are collectively referred to herein as “BBVAPR”, and this transaction is referred to as the “BBVAPR Acquisition.”

 

The Company acquired all of the outstanding common stock of BBVAPR Holding and BBVA Securities for an aggregate purchase price of $500 million. In 2013, the Company completed the integration of the BBVAPR Companies with its various subsidiaries.  Immediately following the closing of the BBVAPR  Acquisition, the Company merged BBVAPR Bank with and into Oriental Bank, with Oriental Bank continuing as the surviving entity. Shortly thereafter, BBVAPR Holding was merged with and into the Company, with the Company continuing as the surviving entity. In January, 2013 BBVA Seguros (then known as Oriental Seguros) was liquidated and its assets were contributed by the Company to Oriental Insurance, and in August 2013, upon receipt of the required approval of the Financial Industry Regulatory Authority (“FINRA”), the Company merged BBVA Securities (then known as OFS Securities) with and into Oriental Financial Services, with Oriental Financial Services continuing as the surviving entity. The audited consolidated financial statements contemplate the effect of the BBVAPR Acquisition.

Segment Disclosure

The Company has three reportable segments: Banking, Financial Services, and Treasury. Management established the reportable segments based on the internal reporting used to evaluate performance and to assess where to allocate resources. Other factors such as the Company’s organizational structure, nature of products, distribution channels and economic characteristics of the products were also considered in the determination of the reportable segments. The Company measures the performance of these reportable segments based on pre-established goals involving different financial parameters such as net income, interest rate spread, loan production, and fees generated. 

For detailed information regarding the performance of the Company’s operating segments, please refer to Note 23 in the Company’s accompanying consolidated financial statements.

Banking Activities

Oriental Bank (the “Bank”), the Company’s main subsidiary, is a full-service Puerto Rico commercial bank with its main office located in San Juan, Puerto Rico. The Bank has 55 branches throughout Puerto Rico and was incorporated in October 1964 as a federal mutual savings and loan association. It became a federal mutual savings bank in July 1983 and converted to a federal stock savings bank in April 1987. Its conversion from a federally-chartered savings bank to a commercial bank chartered under the banking law of the Commonwealth of Puerto Rico, on June 30, 1994, allowed the Bank to more effectively pursue opportunities in its market and obtain more flexibility in its businesses. As a Puerto Rico-chartered commercial bank, it is subject to examination by the FDIC and the Office of the Commissioner of Financial Institutions of Puerto Rico (the “OCFI”). The Bank offers banking services such as commercial, leasing and consumer lending, savings and time deposit products, financial planning, and corporate and individual trust services, and capitalizes on its commercial banking network to provide mortgage lending products to its clients. The Bank operates two international banking entities (“IBE”) pursuant to the International Banking Center Regulatory Act of Puerto Rico, as amended (the “IBE Act”), one is a unit operating within the Bank named Oriental Overseas (the “IBE Unit”), and the other is a wholly-owned subsidiary of the Bank, named Oriental International Bank, Inc. (the “IBE Subsidiary”).  The IBE Unit and IBE Subsidiary offer the Bank certain Puerto Rico tax advantages, and their services are limited under Puerto Rico law to persons and assets/liabilities located outside of Puerto Rico.

Banking activities include the Bank’s branches and mortgage banking activities with traditional retail banking products such as deposits, commercial, consumer and mortgage loans, and leasing. The Bank’s significant lending activities are with consumers located in Puerto Rico. The Bank’s lending and leasing transactions include a diversified number of industries and activities, all of which are encompassed within four main categories: commercial, consumer, mortgage and auto.

 

5

 

 

 

The Company’s mortgage banking activities are conducted through a division of the Bank. The mortgage banking activities include the origination of mortgage loans for the Bank’s own portfolio, and the sale of loans directly into the secondary market or the securitization of conforming loans into mortgage-backed securities. The Bank originates Federal Housing Administration (“FHA”)-insured mortgages, Veterans Administration (“VA”)-guaranteed mortgages, and Rural Housing Service (“RHS”)-guaranteed loans that are primarily securitized for issuance of Government National Mortgage Association (“GNMA”) mortgage-backed securities which can be resold to individual or institutional investors in the secondary market. Conventional loans that meet the underwriting requirements for sale or exchange under standard Federal National Mortgage Association (the “FNMA”) or the Federal Home Loan Mortgage Corporation (the “FHLMC”) programs are referred to as conforming mortgage loans and are also securitized for issuance of FNMA or FHLMC mortgage-backed securities. The Bank is an approved seller of FNMA, as well as FHLMC, mortgage loans for issuance of FNMA and FHLMC mortgage-backed securities. The Bank is also an approved issuer of GNMA mortgage-backed securities. The Company outsources the servicing of the GNMA, FNMA and FHLMC pools that it issues, and its residential mortgage loan portfolio.

 

Loan Underwriting

Residential mortgage loans:  All loan originations, regardless of whether originated through the Company’s retail banking network or purchased from third parties, must be underwritten in accordance with the Company’s underwriting criteria, including loan-to-value ratios, borrower income qualifications, debt ratios and credit history, investor requirements, and title insurance and property appraisal requirements. The Company’s mortgage underwriting standards comply with the relevant guidelines set forth by the Department of Housing and Urban Development (“HUD”), VA, FNMA, FHLMC, federal and Puerto Rico banking regulatory authorities, as applicable. The Company’s underwriting personnel, while operating within the Company’s loan offices, make underwriting decisions independent of the Company’s mortgage loan origination personnel. 

 

Commercial loans:  Commercial loans include lines of credit and term facilities to finance business operations and to provide working capital for specific purposes, such as to finance the purchase of assets, equipment or inventory. Since a borrower’s cash flow from operations is generally the primary source of repayment, the Company’s analysis of the credit risk focuses heavily on the borrower’s debt repayment capacity. Commercial term loans generally have terms from one to five years, may be collateralized by the asset being acquired, real estate, or other available assets, and bear interest rates that float with the prime rate, LIBOR or another established index, or are fixed for the term of the loan. Lines of credit are extended to businesses based on an analysis of the financial strength and integrity of the borrowers and are generally secured primarily by real estate, accounts receivable or inventory, and have a maturity of one year or less. Such lines of credit bear an interest rate that floats with a base rate, the prime rate, LIBOR, or another established index. 

 

Auto loans:  The Company provides financing for the purchase of new or used motor vehicles. These loans are granted mainly through dealers authorized and approved by the auto credit department committee of the Company. The auto credit department has the specialized structure and resources to provide the service required for this product according to market demands. The auto loan credit policy establishes specific guidance and parameters for the underwriting and origination process. Underwriting procedures, lending limits, interest rate approval, insurance coverage, and automobile brand restrictions are some parameters and internal controls implemented to ensure the quality and profitability of the auto loan portfolio. The credit scoring system is a fundamental part of the decision process.

 

Consumer loans:   Consumer loans include personal loans, credit cards, home equity lines of credit (“HELOCs”) and other loans made by banks to individual borrowers. All loan originations must be underwritten in accordance with the Company’s underwriting criteria, and include an assessment of each borrower’s personal financial condition, including verification of income, assets, FICO score, and credit reports.

Sale of Loans and Securitization Activities

The Company may engage in the sale or securitization of a portion of the residential mortgage loans that it originates and purchases and utilizes various channels to sell its mortgage products. The Company is an approved issuer of GNMA-guaranteed mortgage-backed securities which involves the packaging of FHA loans, RHS loans or VA loans into pools of mortgage-backed securities for sale primarily to securities broker-dealers and other institutional investors. The Company can also act as issuer in the case of conforming conventional loans in order to group them into pools of FNMA or FHLMC-issued mortgage-backed securities which the Company then sells to securities broker-dealers. The issuance of mortgage-backed securities provides the Company with flexibility in selling the mortgage loans that it originates or purchases and also provides income by increasing the value and marketability of such loans. In the case of conforming conventional loans, the Company also has the option to sell such loans through the FNMA and FHLMC cash window programs.

6

 

 

 

Financial Service Activities

Financial service activities are generated by such businesses as securities brokerage, trust services, retirement planning, insurance, pension administration, and other financial services.

Oriental Financial Services is a Puerto Rico corporation and the Company’s subsidiary engaged in securities brokerage and investment banking activities in accordance with the Company’s strategy of providing fully integrated financial solutions to the Company’s clients.  Oriental Financial Services, member of FINRA and the Securities Investor Protection Corporation, is a registered securities broker-dealer pursuant to Section 15(b) of the Securities Exchange Act of 1934. The broker-dealer does not carry customer accounts and is, accordingly, exempt from the Customer Protection Rule (SEC Rule 15c3-3) pursuant to subsection (k)(2)(ii) of such rule. It clears securities transactions through Pershing LLC, a clearing agent that carries the accounts of their customers on a “fully disclosed” basis.

The broker-dealers offers securities brokerage services covering various investment alternatives such as tax-advantaged fixed income securities, mutual funds, stocks, and bonds to retail and institutional clients. It also offer separately managed accounts and mutual fund asset allocation programs sponsored by unaffiliated professional asset managers. These services are designed to meet each client’s specific needs and preferences, including transaction-based pricing and asset-based fee pricing.

Oriental Financial Services also manages and participates in public offerings and private placements of debt and equity securities in Puerto Rico and engages in municipal securities business with the Commonwealth of Puerto Rico and its instrumentalities, municipalities, and public corporations. Investment banking revenue from such activities includes gains, losses, and fees, net of syndicate expenses, arising from securities offerings in which it acts as an underwriter or agent. Investment banking revenue also includes fees earned from providing merger-and-acquisition and financial restructuring advisory services.

As a result of the BBVAPR Acquisition, the Bank acquired a municipal securities division (the “MSD”) and succeeded to the registration as a municipal securities dealer of BBVAPR División de Valores Municipales. The MSD was a separately identifiable division of the Bank and the registration with the SEC was voluntarily withdrawn by the Bank effective November 25, 2013. The FDIC was the appropriate regulatory agency of the MSD’s municipal securities activities.  

Oriental Insurance is a Puerto Rico corporation and the Company’s subsidiary engaged in insurance agency services. It was established by the Company to take advantage of the cross-marketing opportunities provided by financial modernization legislation. Oriental Insurance currently earns commissions by acting as a licensed insurance agent in connection with the issuance of insurance policies by unaffiliated insurance companies and anticipates continued growth as it expands the products and services it provides and continues to cross market its services to the Company’s existing customer base.

CPC, a Florida corporation, is the Company’s subsidiary engaged in the administration of retirement plans in the U.S., Puerto Rico, and the Caribbean.

Treasury Activities

Treasury activities encompass all of the Company’s treasury-related functions. The Company’s investment portfolio consists of mortgage-backed securities, obligations of U.S. government- sponsored agencies, Puerto Rico government and agency obligations and money market instruments. Agency mortgage-backed securities, the largest component, consist principally of pools of residential mortgage loans that are made to consumers and then resold in the form of pass-through certificates in the secondary market, the payment of interest and principal of which is guaranteed by GNMA, FNMA or FHLMC.

Market Area and Competition

The main geographic business and service area of the Company is in Puerto Rico, where the banking market is highly competitive. Puerto Rico banks are subject to the same federal laws, regulations and supervision that apply to similar institutions in the United States of America. The Company also competes with brokerage firms with retail operations, credit unions, savings and loan cooperatives, small loan companies, insurance agencies, and mortgage banks in Puerto Rico. The Company encounters intense competition in attracting and retaining deposits and in its consumer and commercial lending activities. Management believes that the Company has been able to compete effectively for deposits and loans by offering a variety of transaction account products and loans with competitive terms, by emphasizing the quality of its service, by pricing its products at competitive interest rates, by offering convenient branch locations, and by offering financial planning and financial services at most of its branch locations. The consolidations of three Puerto Rico banks during 2010, created an environment for more rational loan and deposit pricing. The Company’s ability to originate loans depends primarily on the services that it provides to its borrowers, in making prompt credit decisions, and on the rates and fees that it charges.

7

 

 

 

 

 Regulation and Supervision

General

The Company is a financial holding company subject to supervision and regulation by the Federal Reserve Board under the BHC Act, as amended by the Gramm-Leach-Bliley Act and the Dodd-Frank Act. The qualification requirements and the process for a bank holding company that elects to be treated as a financial holding company requires that a bank holding company and all of the subsidiary banks controlled by it at the time of election must be and remain at all times “well capitalized” and “well managed.”

The Company elected to be treated as a financial holding company as permitted by the Gramm-Leach-Bliley Act. Under the Gramm-Leach-Bliley Act, if the Company fails to meet the requirements for being a financial holding company and is unable to correct such deficiencies within certain prescribed time periods, the Federal Reserve Board could require the Company to divest control of its depository institution subsidiary or alternatively cease conducting activities that are not permissible for bank holding companies that are not financial holding companies.

Financial holding companies may engage, directly or indirectly, in any activity that is determined to be (i) financial in nature or incidental to such financial activity, or (ii) complementary to a financial activity provided it does not pose a substantial risk to the safety and soundness of depository institutions or the financial system generally. The Gramm-Leach-Bliley Act specifically provides that the following activities have been determined to be “financial in nature”: (a) lending, trust and other banking activities; (b) insurance activities; (c) financial, investment or economic advisory services; (d) securitization of assets; (e) securities underwriting and dealing; (f) existing bank holding company domestic activities; (g) existing bank holding company foreign activities; and (h) merchant banking activities. A financial holding company may generally commence any activity, or acquire any company, that is financial in nature without prior approval of the Federal Reserve Board. As provided by the Dodd-Frank Act, a financial holding company may not acquire a company, without prior Federal Reserve Board approval, in a transaction in which the total consolidated assets to be acquired by the financial holding company exceed $10 billion.

In addition, the Gramm-Leach-Bliley Act specifically gives the Federal Reserve Board the authority, by regulation or order, to expand the list of financial or incidental activities, but requires consultation with the U.S. Treasury Department and gives the Federal Reserve Board authority to allow a financial holding company to engage in any activity that is complementary to a financial activity and does not pose a substantial risk to the safety and soundness of depository institutions or the financial system.

The Company is required to file with the Federal Reserve Board and the SEC periodic reports and other information concerning its own business operations and those of its subsidiaries. In addition, Federal Reserve Board approval must also be obtained before a bank holding company acquires all or substantially all of the assets of another bank or merges or consolidates with another bank holding company. The Federal Reserve Board also has the authority to issue cease and desist orders against bank holding companies and their non-bank subsidiaries.

The Bank is regulated by various agencies in the United States and the Commonwealth of Puerto Rico. Its main regulators are the OCFI and the FDIC. The Bank is subject to extensive regulation and examination by the OCFI and the FDIC, and is subject to the Federal Reserve Board’s regulation of transactions between the Bank and its affiliates. The federal and Puerto Rico laws and regulations which are applicable to the Bank regulate, among other things, the scope of its business, its investments, its reserves against deposits, the timing of the availability of deposited funds, and the nature and amount of and collateral for certain loans. In addition to the impact of such regulations, commercial banks are affected significantly by the actions of the Federal Reserve Board as it attempts to control the money supply and credit availability in order to control inflation in the economy.

The Company’s mortgage banking business is subject to the rules and regulations of FHA, VA, RHS, FNMA, FHLMC, HUD and GNMA with respect to the origination, processing and selling of mortgage loans and the sale of mortgage-backed securities. Those rules and regulations, among other things, prohibit discrimination and establish underwriting guidelines which include provisions for inspections and appraisal reports, require credit reports on prospective borrowers and fix maximum loan amounts, and, with respect to VA loans, fix maximum interest rates. Mortgage origination activities are subject to, among others, the Equal Credit Opportunity Act, the Truth-in-Lending Act, the Real Estate Settlement Procedures Act and the regulations promulgated thereunder which, among other things, prohibit discrimination and require the disclosure of certain basic information to mortgagors concerning credit terms and settlement costs. The Company is also subject to regulation by the OCFI with respect to, among other things, licensing requirements and maximum origination fees on certain types of mortgage loan products.

The Company and its subsidiaries are subject to the rules and regulations of certain other regulatory agencies. Oriental Financial Services, as a registered broker-dealer, is subject to the supervision, examination and regulation of FINRA, the SEC, and the OCFI in matters relating to the conduct of  its securities business, including record keeping and reporting requirements, supervision and licensing of employees, and obligations to customers.

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Oriental Insurance is subject to the supervision, examination and regulation of the Office of the Commissioner of Insurance of Puerto Rico in matters relating to insurance sales, including but not limited to, licensing of employees, sales practices, charging of commissions and reporting requirements.

Dodd-Frank Wall Street Reform and Consumer Protection Act

The Dodd-Frank Act implements a variety of far-reaching changes and has been described as the most sweeping reform of the financial services industry since the 1930’s.  It has a broad impact on the financial services industry, including significant regulatory and compliance changes, such as: (i) enhanced resolution authority of troubled and failing banks and their holding companies; (ii) enhanced lending limits strengthening the existing limits on a depository institution’s credit exposure to one borrower; (iii) increased capital and liquidity requirements; (iv) increased regulatory examination fees; (v) changes to assessments to be paid to the FDIC for federal deposit insurance; (vi) prohibiting bank holding companies, such as the Company, from including in regulatory Tier 1 capital future issuances of trust preferred securities or other hybrid debt and equity securities; and (vii) numerous other provisions designed to improve supervision and oversight of, and strengthening safety and soundness for, the financial services sector. Additionally, the Dodd-Frank Act establishes a new framework for systemic risk oversight within the financial system to be distributed among new and existing federal regulatory agencies, including the Financial Stability Oversight Council, the Federal Reserve Board, the Office of the Comptroller of the Currency and the FDIC. Further, the Dodd-Frank Act addresses many corporate governance and executive compensation matters that will affect most U.S. publicly traded companies, including the Company. A few provisions of the Dodd-Frank Act are effective immediately, while various provisions are becoming effective in stages. Many of the requirements called for in the Dodd-Frank Act are being implemented over time and most are subject to implementing regulations.

The Dodd-Frank Act also created a new consumer financial services regulator, the Bureau of Consumer Financial Protection (the “CFPB”), which assumed most of the consumer financial services regulatory responsibilities previously exercised by federal banking regulators and other agencies. The CFPB’s primary functions include the supervision of “covered persons” (broadly defined to include any person offering or providing a consumer financial product or service and any affiliated service provider) for compliance with federal consumer financial laws. It has primary authority to enforce the federal consumer financial laws, as well as exclusive authority to require reports and conduct examinations for compliance with such laws, in the case of any insured depository institution with total assets of more than $10 billion and any affiliate thereof.  The CFPB also has broad powers to prescribe rules applicable to a covered person or service provider identifying as unlawful, unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.  

Holding Company Structure

The Bank is subject to restrictions under federal laws that limit the transfer of funds to its affiliates (including the Company), whether in the form of loans, other extensions of credit, investments or asset purchases, among others. Such transfers are limited to 10% of the transferring institution’s capital stock and surplus with respect to any affiliate (including the Company), and, with respect to all affiliates, to an aggregate of 20% of the transferring institution’s capital stock and surplus. Furthermore, such loans and extensions of credit are required to be secured in specified amounts, carried out on an arm’s length basis, and consistent with safe and sound banking practices.

Under the Dodd-Frank Act, a bank holding company, such as the Company, must serve as a source of financial strength for any subsidiary depository institution. The term “source of financial strength” is defined as the ability of a company to provide financial assistance to its insured depository institution subsidiaries in the event of financial distress at such subsidiaries. This support may be required at times when, absent such requirement, the bank holding company might not otherwise provide such support. In the event of a bank holding company’s bankruptcy, any commitment by the bank holding company to a federal bank regulatory agency to maintain capital of a subsidiary bank will be assumed by the bankruptcy trustee and be entitled to a priority of payment. In addition, any capital loans by a bank holding company to any of its subsidiary banks are subordinate in right of payment to deposits and to certain other indebtedness of such subsidiary bank. The Bank is currently the only depository institution subsidiary of the Company.

Since the Company is a financial holding company, its right to participate in the assets of any subsidiary upon the latter’s liquidation or reorganization will be subject to the prior claims of the subsidiary’s creditors (including depositors in the case of the Bank) except to the extent that the Company is a creditor with recognized claims against the subsidiary.

Dividend Restrictions

The principal source of funds for the Company’s holding company is the dividends from the Bank. The ability of the Bank to pay dividends on its common stock is restricted by the Puerto Rico Banking Act of 1933, as amended (the “Banking Act”), the Federal

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Deposit Insurance Act, as amended (the “FDIA”) and FDIC regulations. In general terms, the Banking Act provides that when the expenditures of a bank are greater than receipts, the excess of expenditures over receipts shall be charged against the undistributed profits of the bank and the balance, if any, shall be charged against the required reserve fund of the bank. If there is no sufficient reserve fund to cover such balance in whole or in part, the outstanding amount shall be charged against the bank’s capital account. The Banking Act provides that until said capital has been restored to its original amount and the reserve fund to 20% of the original capital, the bank may not declare any dividends. In general terms, the FDIA and the FDIC regulations restrict the payment of dividends when a bank is undercapitalized, when a bank has failed to pay insurance assessments, or when there are safety and soundness concerns regarding a bank.

The payment of dividends by the Bank may also be affected by other regulatory requirements and policies, such as maintenance of adequate capital. If, in the opinion of the regulatory authority, a depository institution under its jurisdiction is engaged in, or is about to engage in, an unsafe or unsound practice (that, depending on the financial condition of the depository institution, could include the payment of dividends), such authority may require, after notice and hearing, that such depository institution cease and desist from such practice. The Federal Reserve Board has a policy statement that provides that an insured bank or bank holding company should not maintain its existing rate of cash dividends on common stock unless (i) the organization’s net income available to common shareholders over the past year has been sufficient to fully fund the dividends and (ii) the prospective rate of earnings retention appears consistent with the organization’s capital needs, asset quality, and overall financial condition.  In addition, all insured depository institutions are subject to the capital-based limitations required by the Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”).

Federal Home Loan Bank System

The FHLB-NY system, of which the Bank is a member, consists of 12 regional FHLBs governed and regulated by the Federal Housing Finance Agency. The FHLB-NY serves as a credit facility for member institutions within their assigned regions. They are funded primarily from proceeds derived from the sale of consolidated obligations of the FHLB-NY system. They make loans (i.e., advances) to members in accordance with policies and procedures established by the FHLB-NY and the boards of directors of each regional -NY.

As a system member, the Bank is entitled to borrow from the FHLB of New York (the “FHLB-NY”) and is required to invest in FHLB-NY membership and activity-based stock.  The Bank must purchase membership stock equal to the greater of $1,000 or 0.20% of certain mortgage-related assets held by the Bank.  The Bank is also required to purchase activity-based stock equal to 4.50% of outstanding advances to the Bank by the FHLB-NY. The Bank is in compliance with the membership and activity-based stock ownership requirements described above. All loans, advances and other extensions of credit made by the FHLB-NY to the Bank are secured by a portion of the Bank’s mortgage loan portfolio, certain other investments, and the capital stock of the FHLB-NY held by the Bank. The Bank is required to maintain a minimum amount of qualifying collateral with a fair value of at least 110% of the outstanding advances

Prompt Corrective Action Regulations

 

Pursuant to the Dodd-Frank Act, federal banking agencies have adopted new capital rules that became effective January 1, 2014 for advanced approaches banking organizations (i.e., those with consolidated assets greater than $250 billion or consolidated on-balance sheet foreign exposures of at least $10 billion) and January 1, 2015 for all other covered organizations (subject to certain phase-in periods through January 1, 2019) and that will replace their general risk-based capital rules, advanced approaches rule, market risk rule, and leverage rules.

 

The new capital rules provide certain changes to the prompt corrective action regulations adopted by the agencies under Section 38 of the FDIA, as amended by FDICIA.  These regulations are designed to place restrictions on U.S. insured depository institutions if their capital levels begin to show signs of weakness.  The five capital categories established by the agencies under their prompt corrective action framework are: “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized” and “critically undercapitalized”.  

 

The new capital rules expand such categories by introducing a common equity tier 1 capital requirement for all depository institutions, revising the minimum risk-based capital ratios and, beginning in 2018, the proposed supplementary leverage requirement for advanced approaches banking organizations.  The common equity tier 1 capital ratio is a new minimum requirement designed to ensure that banking organizations hold sufficient high-quality regulatory capital that is available to absorb losses on a going-concern basis.  Under the new rules, an insured depository institution is:

 

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(i) “well capitalized,” if it has a total risk-based capital ratio of 10% or more, a tier 1 risk-based capital ratio of 8% or more, a common equity tier 1 capital ratio of 6.5% or more, and a tier 1 leverage capital ratio of 5% or more, and is not subject to any written capital order or directive;

 

(ii) “adequately capitalized,” if it has a total risk-based capital ratio of 8% or more, a tier 1 risk-based capital ratio of 6% or more, a common equity tier 1 capital ratio of 4.5% or more, and a tier 1 leverage capital ratio of 4% or more;

 

(iii) “undercapitalized,” if it has a total risk-based capital ratio that is less than 8%, a tier 1 risk-based ratio that is less than 6%, a common equity tier 1 capital ratio that is less than 4.5%, or a tier 1 leverage capital ratio that is less than 4%;

 

(iv) “significantly undercapitalized,” if it has a total risk-based capital ratio that is less than 6%, a tier 1 risk-based capital ratio that is less than 4%, a common equity tier 1 capital ratio that is less than 3%, or a tier 1 leverage capital ratio that is less than 3%; and

 

(v) “critically undercapitalized,” if it has a ratio of tangible equity (defined as tier capital plus non-tier 1 perpetual preferred stock) to total assets that is equal to or less than 2%.

 

The new capital rules also include a policy statement by the agencies that all banking organizations should maintain capital commensurate with their risk profiles,  which may entail holding capital significantly above the minimum requirements.  They also provide a reservation of authority permitting examiners to require that such organizations hold additional regulatory capital. 

FDICIA generally prohibits a depository institution from making any capital distribution (including payment of a dividend) or paying any management fees to its holding company if the depository institution would thereafter be undercapitalized. Undercapitalized depository institutions are subject to restrictions on borrowing from the Federal Reserve System. In addition, undercapitalized depository institutions are subject to growth limitations and are required to submit capital restoration plans. A depository institution’s holding company must guarantee the capital plan, up to an amount equal to the lesser of 5% of the depository institution’s assets at the time it becomes undercapitalized or the amount of the capital deficiency when the institution fails to comply with the plan. The federal banking agencies may not accept a capital plan without determining, among other things, that the plan is based on realistic assumptions and is likely to succeed in restoring the depository institution’s capital. Significantly undercapitalized depository institutions may be subject to a number of requirements and restrictions, including orders to sell sufficient voting stock to become adequately capitalized, requirements to reduce total assets, and cessation of receipt of deposits from corresponding banks. Critically undercapitalized depository institutions are subject to the appointment of a receiver or conservator.

FDIC Insurance Assessments

The Bank is subject to FDIC deposit insurance assessments. The Federal Deposit Insurance Reform Act of 2005 (the “Reform Act”) merged the Bank Insurance Fund (“BIF”) and the Savings Association Insurance Fund (“SAIF”) into a single Deposit Insurance Fund, and increased the maximum amount of the insurance coverage for certain retirement accounts, and possible “inflation adjustments” in the maximum amount of coverage available with respect to other insured accounts. In addition, it granted a one-time initial assessment credit (of approximately $4.7 billion) to recognize institutions’ past contributions to the fund. As a result of the merger of the BIF and the SAIF, all insured institutions are subject to the same assessment rate schedule.

The Dodd-Frank Act contains several important deposit insurance reforms, including the following: (i) the maximum deposit insurance amount was permanently increased to $250,000; (ii) the deposit insurance assessment is now based on the insured depository institution’s average consolidated assets minus its average tangible equity, rather than on its deposit base; (iii) the minimum reserve ratio for the Deposit Insurance Fund was raised from 1.15% to 1.35% of estimated insured deposits by September 30, 2020; (iv) the FDIC is required to “offset the effect” of increased assessments on insured depository institutions with total consolidated assets of less than $10 billion; (v) the FDIC is no longer required to pay dividends if the Deposit Insurance Fund’s reserve ratio is greater than the minimum ratio; and (vi) the FDIC temporarily insured the full amount of qualifying “noninterest-bearing transaction accounts” for 2011 and 2012.  As defined in the Dodd-Frank Act, a “noninterest-bearing transaction account” is a deposit or account maintained at a depository institution with respect to which interest is neither accrued nor paid, on which the depositor or account holder is permitted to make withdrawals by negotiable or transferrable instrument, payment orders of withdrawals, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others, and on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.

 

Effective April 1, 2011, the FDIC amended its regulations under the FDIA, as amended by the Dodd-Frank Act, to modify the definition of a depository institution’s insurance assessment base; to revise the deposit insurance assessment rate schedules in light of

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the new assessment base and altered adjustments; to implement the dividend provisions of the Dodd-Frank Act; and to revise the large insured depository institution assessment system to better differentiate for risk and better take into account losses from large institution failures that the FDIC may incur. Since the new assessment base under the Dodd-Frank Act is larger than the current assessment base, the new assessment rates adopted by the FDIC are lower than the former rates.

  

Brokered Deposits

FDIC regulations adopted under the FDIA govern the receipt of brokered deposits by banks. Well capitalized institutions are not subject to limitations on brokered deposits, while adequately capitalized institutions are able to accept, renew or rollover brokered deposits only with a waiver from the FDIC and subject to certain restrictions on the interest paid on such deposits. Undercapitalized institutions are not permitted to accept brokered deposits. As of December 31, 2013, the Bank is a well capitalized institution and is therefore not subject to these limitations on brokered deposits.

Regulatory Capital Requirements

The Federal Reserve Board has risk-based capital guidelines for bank holding companies. Under the guidelines, the minimum ratio of qualifying total capital to risk-weighted assets is 8%. At least half of the total capital is to be comprised of qualifying common stockholders’ equity, qualifying noncumulative perpetual preferred stock (including related surplus), minority interests related to qualifying common or noncumulative perpetual preferred stock directly issued by a consolidated U.S. depository institution or foreign bank subsidiary, and restricted core capital elements (collectively, “Tier 1 Capital”). Banking organizations are expected to maintain at least 50 percent of their Tier 1 Capital as common equity. Except as otherwise discussed below in light of the Dodd-Frank Act in connection with certain debt or equity instruments issued on or after May 19, 2010, not more than 25% of qualifying Tier 1 Capital may consist of qualifying cumulative perpetual preferred stock, trust preferred securities or other so called restricted core capital elements. “Tier 2 Capital” may consist, subject to certain limitations, of allowance for loan and lease losses; perpetual preferred stock and related surplus; hybrid capital instruments, perpetual debt, and mandatory convertible debt securities; term subordinated debt and intermediate-term preferred stock, including related surplus; and unrealized holding gains on equity securities. “Tier 3 Capital” consists of qualifying unsecured subordinated debt. The sum of Tier 2 and Tier 3 Capital may not exceed the amount of Tier 1 Capital.

The Federal Reserve Board has regulations with respect to risk-based and leverage capital ratios that require most intangibles, including goodwill and core deposit intangibles, to be deducted from Tier 1 Capital. The only types of identifiable intangible assets that may be included in, that is, not deducted from, an organization’s capital are readily marketable mortgage servicing assets, nonmortgage servicing assets, and purchased credit card relationships. In addition, the Federal Reserve Board has established minimum leverage ratio (Tier 1 Capital to total assets) guidelines for bank holding companies and member banks. These guidelines provide for a minimum leverage ratio of 3% for bank holding companies and member banks that meet certain specified criteria including that they have the highest regulatory rating. All other bank holding companies and member banks are required to maintain a minimum ratio of Tier 1 Capital to total assets of 4%. However, although the new capital rules adopted by the federal banking agencies in July 2013 retain the existing minimum leverage ratio requirement of 4%, they remove the 3% leverage ratio exception as of January 1, 2014 for advanced approaches banking organizations and as of January 1, 2015 for all other banking organizations. The guidelines also provide that banking organizations experiencing internal growth or making acquisitions are expected to maintain strong capital positions substantially above the minimum supervisory levels without significant reliance on intangible assets. Furthermore, the guidelines state that the Federal Reserve Board will continue to consider a “tangible tier 1 leverage ratio” and other indicators of capital strength in evaluating proposals for expansion or new activities.

Under the Dodd-Frank Act, federal banking regulators are required to establish minimum leverage and risk-based capital requirements, on a consolidated basis, for insured institutions, depository institution holding companies, and non-bank financial companies supervised by the Federal Reserve Board. The minimum leverage and risk-based capital requirements are to be determined based on the minimum ratios established for insured depository institutions under prompt corrective action regulations. In effect, such provision of the Dodd-Frank Act, which is commonly known as the Collins Amendment, applies to bank holding companies the same leverage and risk-based capital requirements that will apply to insured depository institutions. Because the capital requirements must be the same for insured depository institutions and their holding companies, the Collins Amendment generally excludes certain debt or equity instruments, such as cumulative perpetual preferred stock and trust preferred securities, from Tier 1 Capital, subject to a three-year phase-out from Tier 1 qualification for such instruments issued before May 19, 2010, with the phase-out commencing on January 1, 2014 for advanced approaches banking organizations and January 1, 2015 for other bank holding companies with consolidated assets of $15 billion or more as of December 31, 2009. However, such instruments issued before May 19, 2010 by a bank holding company, such as the Company, with a total consolidated assets of less than $15 billion as of December 31, 2009, are not affected by the Collins Amendment are “grand fathered “ under the new capital rules, and may continue to be included in tier 1 Capital as a restricted core capital element.

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The new capital rules revise the agencies’ risk-based and leverage capital requirements for banking organizations, and consolidate three separate notices of proposed rulemaking that the OCC, Federal Reserve Board and FDIC published in the Federal Register on August 30, 2012, with selected changes. These rules implement a revised definition of regulatory capital, a new common equity tier 1 minimum capital requirement, a higher minimum tier 1 capital requirement, and, for banking organizations subject to the advanced approaches risk-based capital rules, a supplementary leverage ratio that incorporates a broader set of exposures in the denominator.  The rules incorporate these new requirements into the agencies’ prompt corrective action framework.  In addition, the rules establish limits on a banking organization’s capital distributions and certain discretionary bonus payments if the banking organization does not hold a specified amount of common equity tier 1 capital in addition to the amount necessary to meet its minimum risk-based capital requirements.  Further, the rules amend the methodologies for determining risk-weighted assets for all banking organizations; introduce disclosure requirements that would apply to top-tier banking organizations domiciled in the United States with $50 billion or more in total assets; and adopt changes to the agencies’ regulatory capital requirements that meet the requirements of Section 171 and Section 939A of the Dodd-Frank Act.  These rules also codify the agencies’ current capital rules, which have previously resided in various appendices to their respective regulations, into a harmonized integrated regulatory framework.

Failure to meet the capital guidelines could subject an institution to a variety of enforcement actions including the termination of deposit insurance by the FDIC and to certain restrictions on its business. At December 31, 2013, the Company was in compliance with all capital requirements. For more information, please refer to the accompanying consolidated financial statements.

Safety and Soundness Standards

Section 39 of the FDIA, as amended by FDICIA, requires each federal banking agency to prescribe for all insured depository institutions standards relating to internal control, information systems, and internal audit systems, loan documentation, credit underwriting, interest rate exposure, asset growth, compensation, fees and benefits, and such other operational and managerial standards as the agency deems appropriate. In addition, each federal banking agency also is required to adopt for all insured depository institutions standards relating to asset quality, earnings and stock valuation that the agency determines to be appropriate. Finally, each federal banking agency is required to prescribe standards for the employment contracts and other compensation arrangements of executive officers, employees, directors and principal stockholders of insured depository institutions that would prohibit compensation, benefits and other arrangements that are excessive or that could lead to a material financial loss for the institution. If an institution fails to meet any of the standards described above, it will be required to submit to the appropriate federal banking agency a plan specifying the steps that will be taken to cure the deficiency. If the institution fails to submit an acceptable plan or fails to implement the plan, the appropriate federal banking agency will require the institution to correct the deficiency and, until it is corrected, may impose other restrictions on the institution, including any of the restrictions applicable under the prompt corrective action provisions of FDICIA.

The FDIC and the other federal banking agencies have adopted Interagency Guidelines Establishing Standards for Safety and Soundness that, among other things, set forth standards relating to internal controls, information systems and internal audit systems, loan documentation, credit, underwriting, interest rate exposure, asset growth and employee compensation.

Activities and Investments of Insured State-Chartered Banks

Section 24 of the FDIA, as amended by FDICIA, generally limits the activities and equity investments of FDIC-insured, state-chartered banks to those that are permissible for national banks. Under FDIC regulations of equity investments, an insured state bank generally may not directly or indirectly acquire or retain any equity investment of a type, or in an amount, that is not permissible for a national bank. An insured state bank, such as the Bank, is not prohibited from, among other things, (i) acquiring or retaining a majority interest in a subsidiary engaged in permissible activities, (ii) investing as a limited partner in a partnership, or as a non-controlling interest holder of a limited liability company, the sole purpose of which is direct or indirect investment in the acquisition, rehabilitation or new construction of a qualified housing project, provided that such investments may not exceed 2% of the bank’s total assets, (iii) acquiring up to 10% of the voting stock of a company that solely provides or reinsures directors’, trustees’ and officers’ liability insurance coverage or bankers’ blanket bond group insurance coverage for insured depository institutions, and (iv) acquiring or retaining the voting stock of an insured depository institution if certain requirements are met, including that it is owned exclusively by other banks. Under the FDIC regulations governing the activities and investments of insured state banks which further implemented Section 24 of the FDIA, as amended by FDICIA, an insured state-chartered bank may not, directly, or indirectly through a subsidiary, engage as “principal” in any activity that is not permissible for a national bank unless the FDIC has determined that such activities would pose no risk to the Deposit Insurance Fund and the bank is in compliance with applicable regulatory capital requirements.

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Transactions with Affiliates and Related Parties

Transactions between the Bank and any of its affiliates are governed by sections 23A and 23B of the Federal Reserve Act. These sections are important statutory provisions designed to protect a depository institution from transferring to its affiliates the subsidy arising from the institution’s access to the Federal safety net. An affiliate of a bank is any company or entity that controls, is controlled by, or is under common control with the bank, including investment funds for which the bank or any of its affiliates is an investment advisor. Generally, sections 23A and 23B (i) limit the extent to which a bank or its subsidiaries may engage in “covered transactions” with any one affiliate to an amount equal to 10% of the bank’s capital stock and surplus, and limit such transactions with all affiliates to an amount equal to 20% of such capital stock and surplus, and (ii) require that all such transactions be on terms that are consistent with safe and sound banking practices. The term “covered transactions” includes the making of loans, purchase of or investment in securities issued by the affiliate, purchase of assets, acceptance of securities issued by the affiliate as collateral for a loan or extension of credit, issuance of guarantees and other similar types of transactions. The Dodd-Frank Act expanded the scope of transactions treated as “covered transactions” to include credit exposure to an affiliate on derivatives transactions, credit exposure resulting from a securities borrowing or lending transaction, or derivative transaction, and acceptances of affiliate-issued debt obligations as collateral for a loan or extension of credit. Most loans by a bank to any of its affiliates must be secured by collateral in amounts ranging from 100% to 130%  of the loan amount, depending on the nature of the collateral. In addition, any covered transaction by a bank with an affiliate and any sale of assets or provision of services to an affiliate must be on terms that are substantially the same, or at least as favorable to the bank, as those prevailing at the time for comparable transactions with nonaffiliated companies. Regulation W of the Federal Reserve Board comprehensively implements sections 23A and 23B. The regulation unified and updated staff interpretations issued over the years prior to its adoption, incorporated several interpretative proposals (such as to clarify when transactions with an unrelated third party will be attributed to an affiliate), and addressed issues arising as a result of the expanded scope of non-banking activities engaged in by banks and bank holding companies and authorized for financial holding companies under the Gramm-Leach-Bliley Act.

Sections 22(g) and 22(h) of the Federal Reserve Act place restrictions on loans by a bank to executive officers, directors, and principal shareholders. Regulation O of the Federal Reserve Board implements these provisions. Under Section 22(h) and Regulation O, loans to a director, an executive officer and to greater-than-10% shareholders of a bank and certain of their related interests (“insiders”), and insiders of its affiliates, may not exceed, together with all other outstanding loans to such person and his related interests, the bank’s single borrower limit (generally equal to 15% of the institution’s unimpaired capital and surplus). Section 22(h) and Regulation O also require that loans to insiders and to insiders of affiliates be made on terms substantially the same as offered in comparable transactions to other persons, unless the loans are made pursuant to a benefit or compensation program that (i) is widely available to employees of the bank and (ii) does not give preference to insiders over other employees of the bank. Section 22(h) and Regulation O also require prior board of directors’ approval for certain loans, and the aggregate amount of extensions of credit by a bank to all insiders cannot exceed the institution’s unimpaired capital and surplus. Furthermore, Section 22(g) and Regulation O place additional restrictions on loans to executive officers.

Community Reinvestment Act

Under the Community Reinvestment Act (“CRA”), a financial institution has a continuing and affirmative obligation, consistent with its safe and sound operation, to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA does not establish specific lending requirements or programs for financial institutions nor does it limit an institution’s discretion to develop the types of products and services that it believes are best suited to its particular community, consistent with the CRA. The CRA requires federal examiners, in connection with the examination of a financial institution, to assess the institution’s record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by such institution. The CRA also requires all institutions to make public disclosure of their CRA ratings. The Company has a Compliance Department that oversees the planning of products and services offered to the community, especially those aimed to serve low and moderate income communities.

USA Patriot Act

Under Title III of the USA Patriot Act, also known as the International Money Laundering Abatement and Anti-Terrorism Financing Act of 2001, all financial institutions, including the Company, Oriental Financial Services, and the Bank, are required in general to identify their customers, adopt formal and comprehensive anti-money laundering programs, scrutinize or prohibit altogether certain transactions of special concern, and be prepared to respond to inquiries from U.S. law enforcement agencies concerning their customers and their transactions.

The U.S. Treasury Department (the “US Treasury”) has issued a number of regulations implementing the USA Patriot Act that apply certain of its requirements to financial institutions. The regulations impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing.

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Failure of a financial institution to comply with the USA Patriot Act’s requirements could have serious legal consequences for the institution. The Company and its subsidiaries, including the Bank, have adopted policies, procedures and controls to address compliance with the USA Patriot Act under existing regulations, and will continue to revise and update their policies, procedures and controls to reflect changes required by the USA Patriot Act and the US Treasury’s regulations.

Privacy Policies

Under the Gramm-Leach-Bliley Act, all financial institutions are required to adopt privacy policies, restrict the sharing of nonpublic customer data with nonaffiliated parties at the customer’s request, and establish procedures and practices to protect customer data from unauthorized access. The Company and its subsidiaries have established policies and procedures to assure the Company’s compliance with all privacy provisions of the Gramm-Leach-Bliley Act.

Sarbanes-Oxley Act

The Sarbanes-Oxley Act of 2002 (“SOX”) implemented a range of corporate governance and accounting measures to increase corporate responsibility, to provide for enhanced penalties for accounting and auditing improprieties at publicly traded companies, and to protect investors by improving the accuracy and reliability of disclosures under federal securities laws. In addition, SOX established membership requirements and responsibilities for the audit committee, imposed restrictions on the relationship between the Company and external auditors, imposed additional responsibilities for the external financial statements on the chief executive officer and the chief financial officer, expanded the disclosure requirements for corporate insiders, required management to evaluate its disclosure controls and procedures and its internal control over financial reporting, and required the auditors to issue a report on the internal control over financial reporting.

The Company has included in this annual report on Form 10-K management’s assessment regarding the effectiveness of the Company’s internal control over financial reporting. The internal control report includes a statement of management’s responsibility for establishing and maintaining adequate internal control over financial reporting for the Company; management’s assessment as to the effectiveness of the Company’s internal control over financial reporting based on management’s evaluation as of year-end; and the framework used by management as criteria for evaluating the effectiveness of the Company’s internal control over financial reporting. As of December 31, 2013, the Company’s management concluded that its internal control over financial reporting was effective.

Puerto Rico Banking Act

As a Puerto Rico-chartered commercial bank, the Bank is subject to regulation and supervision by the OCFI under the Banking Act, which contains provisions governing the incorporation and organization, rights and responsibilities of directors, officers and stockholders, as well as the corporate powers, savings, lending, capital and investment requirements and other aspects of the Bank and its affairs. In addition, the OCFI is given extensive rulemaking power and administrative discretion under the Banking Act. The OCFI generally examines the Bank at least once every year.

The Banking Act requires that a minimum of 10% of the Bank’s net income for the year be transferred to a reserve fund until such fund (legal surplus) equals the total paid-in capital on common and preferred stock. At December 31, 2013, legal surplus amounted to $62.0 million (December 31, 2012 — $52.1 million). The amount transferred to the legal surplus account is not available for the payment of dividends to shareholders.

The Banking Act also provides that when the expenditures of a bank are greater than the receipts, the excess of the former over the latter must be charged against the undistributed profits of the bank, and the balance, if any, must be charged against the reserve fund. If there is no reserve fund sufficient to cover such balance in whole or in part, the outstanding amount must be charged against the capital account and no dividend may be declared until said capital has been restored to its original amount and the reserve fund to 20% of the original capital.

The Banking Act further requires every bank to maintain a legal reserve which cannot be less than 20% of its demand liabilities, except government deposits (federal, commonwealth and municipal), which are secured by actual collateral.

The Banking Act also requires change of control filings. When any person or entity will own, directly or indirectly, upon consummation of a transfer, 5% or more of the outstanding voting capital stock of a bank, the acquiring parties must inform the OCFI of the details not less than 60 days prior to the date said transfer is to be consummated. The transfer will require the approval of the OCFI if it results in a change of control of the bank. Under the Banking Act, a change of control is presumed if an acquirer who did not own more than 5% of the voting capital stock before the transfer exceeds such percentage after the transfer.

The Banking Act permits Puerto Rico commercial banks to make loans to any one person, firm, partnership or corporation, up to an aggregate amount of 15% of the sum of: (i) the bank’s paid-in capital; (ii) the bank’s reserve fund; (iii) 50% of the bank’s retained earnings, subject to certain limitations; and (iv) any other components that the OCFI may determine from time to time. If such loans

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are secured by collateral worth at least 25% more than the amount of the loan, the aggregate maximum amount will include 33.33% of 50% of the bank’s retained earnings. There are no restrictions under the Banking Act on the amount of loans that are wholly secured by bonds, securities and other evidence of indebtedness of the governments of the United States or of the Commonwealth of Puerto Rico, or by bonds, not in default, of municipalities or instrumentalities of the Commonwealth of Puerto Rico.

The Puerto Rico Finance Board is composed of the Commissioner of Financial Institutions of Puerto Rico; the Presidents of the Government Development Bank for Puerto Rico, the Economic Development Bank for Puerto Rico and the Planning Board; the Puerto Rico Secretaries of Commerce and Economic Development, Treasury and Consumer Affairs; the Commissioner of Insurance; and the President of the Public Corporation for Insurance and Supervision of Puerto Rico Credit Unions. It has the authority to regulate the maximum interest rates and finance charges that may be charged on loans to individuals and unincorporated businesses in the Commonwealth. The current regulations of the Puerto Rico Finance Board provide that the applicable interest rate on loans to individuals and unincorporated businesses is to be determined by free competition. The Puerto Rico Finance Board also has the authority to regulate maximum finance charges on retail installment sales contracts and for credit card purchases. There is presently no maximum rate for retail installment sales contracts and for credit card purchases.

Puerto Rico Internal Revenue Code

On June 30, 2013 the Governor signed Act No. 40-2013, known as “Ley de Redistribución y Ajuste de la Carga Contributiva” (Act of Redistribution and Adjustment of Tax Burden), as amended. The main purpose of the Act is to increase government collections in order to alleviate the structural deficit. The most relevant provisions of the Act, as applicable to the Company, and effective for taxable years beginning after December 31,2012 are as follows: (1) the maximum Corporate Income Tax rate was  increased from 30% to 39%; (2) the deduction allowed for determining the income subject to surtax was reduced from $750,000 to $25,000 (which must be allocated among the members of a controlled group of corporations); (3) the allowable Net Operating Loss (“NOL”) deduction was reduced to (i) 90% of the corporation’s net income subject to regular tax for purposes of computing the regular income tax and  (ii)  80% of the alternative minimum taxable income for purposes of computing the alternative minimum tax (“AMT”); (4) the NOL carryover period was extended from 10 to 12 years  for NOLs incurred in taxable years beginning after December 31, 2004 and before January 1, 2013, and from 7 to 10 years for losses incurred in taxable years beginning after December 31, 2012;  (5) a new special tax based on gross income (the “Special Tax”) was added to the Puerto Rico Internal Revenue Code of 2011, as further described below; and (6) a special tax of 1%  was imposed on insurance premiums earned after June 30, 2013.

 In the case of non-financial institutions, the Special Tax is paid as part of the AMT and thus is accounted for under the provisions of ASC 740. The applicable Special Tax rate for non-financial institutions increases gradually from 0.2% for gross income equal to or in excess of $1.0 million up to 0.85% for gross income in excess of $1.5 billion. In the case of a controlled group of corporations, the tax rate for all members of the group is determined by the aggregate gross income of all members in the group. In the case of financial institutions, the Special Tax is not part of the AMT calculation thus is accounted for as other tax not subject to the provisions of ASC 740 since the same is based on gross income. The applicable Special Tax rate for financial institutions is 1% of its gross income of a taxable year, of which fifty percent (50%) may be claimed as a credit against the financial institution’s applicable income tax of that year.

International Banking Center Regulatory Act of Puerto Rico

The business and operations of the Bank’s IBE Unit and Subsidiary are subject to supervision and regulation by the OCFI. Under the IBE Act, no sale, encumbrance, assignment, merger, exchange or transfer of shares, interest or participation in the capital of an IBE may be initiated without the prior approval of the OCFI, if by such transaction a person would acquire, directly or indirectly, control of 10% or more of any class of stock, interest or participation in the capital of the IBE. The IBE Act and the regulations issued thereunder by the OCFI (the “IBE Regulations”) limit the business activities that may be carried out by an IBE. Such activities are limited in part to persons and assets/liabilities located outside of Puerto Rico. The IBE Act provides further that every IBE must have not less than $300 thousand of unencumbered assets or acceptable financial guarantees.  

 

Pursuant to the IBE Act and the IBE Regulations, the Bank’s IBE Unit and Subsidiary have to maintain books and records of all their transactions in the ordinary course of business. They are also required to submit quarterly and annual reports of their financial condition and results of operations to the OCFI, including annual audited financial statements.

  

The IBE Act empowers the OCFI to revoke or suspend, after notice and hearing, a license issued thereunder if, among other things, the IBE fails to comply with the IBE Act, the IBE Regulations or the terms of its license, or if the OCFI finds that the business or affairs of the IBE are conducted in a manner that is not consistent with the public interest.

 

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In 2012, the IBE Act was amended to prohibit new license applications to organize and operate an IBE.  Any newly organized entity (now called an “international financial entity”) must be licensed under a new law, and such entity (as opposed to existing IBEs organized under the IBE Act, including the Bank’s IBE Unit and Subsidiary, which are “grandfathered”) will generally be subject to a 4% Puerto Rico income tax rate.

 

Volcker Rule

 

The so-called “Volcker Rule” adopted by the federal banking regulatory agencies under Section 619 of the Dodd-Frank Act generally prohibits insured depository institutions and their affiliates from (i) engaging in short-term proprietary trading of securities, derivatives, commodities futures and options on these instruments for their own account; and (ii) owning, sponsoring or having certain relationships with hedge funds or private equity funds.  However, it exempts certain activities, including market making, underwriting, hedging, trading in government and municipal obligations, and organizing and offering a hedge fund or private equity fund, among others.  A banking entity that engages in any such covered activity (i.e., proprietary trading or investment activities in hedge funds or private equity funds) is generally required to establish an internal compliance program reasonably designed to ensure and monitor compliance with the Volcker Rule. 

      Employees

At December 31, 2013, the Company had 1,534 employees. None of its employees is represented by a collective bargaining group. The Company considers its employee relations to be good.

       Internet Access to Reports

The Company’s annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and any and all amendments to such reports, filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, are available free of charge on or through the “Investor Relations” link of the Company’s internet website at www.orientalbank.com, as soon as reasonably practicable after the Company electronically files such material with, or furnishes it to, the SEC.

 

The Company’s corporate governance principles and guidelines, code of business conduct and ethics, and the charters of its audit and compliance committee, compensation committee, and corporate governance and nominating committee are available free of charge on the Company’s website at www.orientalbank.com  in the investor relations section under the corporate governance link. The Company’s code of business conduct and ethics applies to its directors, officers, employees and agents, including its principal executive, financial and accounting officers.

 

ITEM 1A.      RISK FACTORS  

 

In addition to other information set forth in this report, you should carefully consider the following risk factors, as updated by other filings the Company makes with the SEC under the Exchange Act.  Additional risks and uncertainties not presently known to us at this time or that the Company currently deems immaterial may also adversely affect the Company’s business, financial condition or results of operations.

 

Most of our business is conducted in Puerto Rico, which in recent years has experienced a downturn in the economy and in the real estate market.

 

Because most of our business activities are conducted in Puerto Rico and a significant portion of our credit exposure on our loan portfolio, which is the largest component of our interest-earning assets, is concentrated in Puerto Rico, our profitability and financial condition may be adversely affected by an extended economic slowdown, adverse political or economic developments in Puerto Rico or the effects of a natural disaster, all of which could result in a reduction in loan originations, an increase in non-performing assets, an increase in foreclosure losses on mortgage loans, and a reduction in the value of our loans and loan servicing portfolio. The Puerto Rico economy has been in a recession since the fourth quarter of the Commonwealth’s fiscal year ended June 30, 2006. 

 

A period of reduced economic growth or a recession has historically resulted in a reduction in lending activity and an increase in the rate of default in commercial loans, consumer loans and residential mortgages.  A recession may have a significant adverse impact on our net interest income and fee income.  We may also experience significant losses on the loan portfolio due to a higher level of defaults on commercial loans, consumer loans and residential mortgages.  For a discussion of the impact of the economy on our loan portfolios, see “—A prolonged economic downturn or recession or a continuing decline in the real estate market would likely result in

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an increase in delinquencies, defaults and foreclosures and in a reduction in loan origination activity, which would adversely affect our financial results.”

 

The prolonged recessionary economic environment accelerated the devaluation of properties and increased portfolio delinquency when compared with previous periods.  Additional economic weakness in Puerto Rico and the U.S. mainland could further pressure residential property values, loan delinquencies, foreclosures and the cost of repossessing and disposing of real estate collateral.

 

As a result of the BBVAPR Acquisition and the deleveraging of our balance sheet in the last quarter of 2012, our loan portfolio has become the largest component of our interest-earning assets.  Consequently, the BBVAPR Acquisition has increased the risk we face in the event of a continued downturn in the Puerto Rico economy.

 

A credit default or ratings downgrade on the Puerto Rico government’s debt obligations could adversely affect the value of our loans to the government of Puerto Rico and our investment portfolio of Puerto Rico government bonds.

 

Even though the economy of Puerto Rico is closely related to the economy of the rest of the United States, prevailing economic conditions and the fiscal situation of the government of Puerto Rico led Standard & Poor’s, Moody’s and Fitch to downgrade general obligations and  certain other bonds of the Puerto Rico government below investment grade.

 

Despite the Commonwealth’s progress in addressing its persistent budget deficits and underfunded government retirement plans, Puerto Rico continues to face significant economic and fiscal challenges, including a protracted economic recession, sizable debt-service obligations, high unemployment and a shrinking population.   The recent Commonwealth credit downgrades by three leading rating agencies reflect only the views of such agencies, an explanation of which may be obtained from each such rating agency.  Generally, below-investment-grade securities present greater risks and can be less liquid than investment-grade securities.

 

The reduction in the credit ratings of Puerto Rico government debt obligations could severely weaken the demand for such securities and the Commonwealth’s access to capital markets, which may affect its ability to obtain the financing that it needs.  This may in turn increase the Commonwealth’s risk of default.

 

It is uncertain how capital markets may react to any future ratings downgrade in Puerto Rico government debt obligations.  However, a further deterioration of economic or fiscal conditions in Puerto Rico, with possible negative ratings implications, could adversely affect the value of our loans to the government of Puerto Rico and the value of our investment portfolio of Puerto Rico government bonds.

 

At December 31, 2013, we had approximately $763.4 million of credit facilities granted to the Puerto Rico government, including its instrumentalities, public corporations and municipalities, of which $696.0 million was outstanding as of such date. A substantial portion of our credit exposure to the government of Puerto Rico consists of collateralized loans or obligations that have a specific source of income or revenues identified for its repayment.  Some of these obligations consist of senior and subordinated loans to public corporations that obtain revenues from rates charged for services or products, such as water and electric power utilities. Public corporations have varying degrees of independence from the central government and many receive appropriations or other payments from it.  We also have loans to various municipalities for which the good faith, credit and unlimited taxing power of the applicable municipality has been pledged to their repayment.  These municipalities are required by law to levy special property taxes in such amounts as required for the payment of all of its general obligation bonds and notes.  Another portion of these loans consists of special obligations of various municipalities that are payable from the basic real and personal property taxes collected within such municipalities. The good faith and credit obligations of the municipalities have a first lien on the basic property taxes.

 

Furthermore, as of December 31, 2013, we had approximately $146.3 million in obligations issued and guaranteed by the Puerto Rico government, including certain instrumentalities or public corporations, as part of our investment securities portfolio. We continue to closely monitor the economic and fiscal situation of Puerto Rico and evaluate the portfolio for any declines in value that management may consider being other-than-temporary.

 

Approximately 43% of our Puerto Rico government loans and obligations mature in the next 12 months or less. At December 31, 2013, we also had deposits of approximately $328.6 million from the government of Puerto Rico.

 

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Our decisions regarding credit risk and the allowance for loan and lease losses may materially and adversely affect our business and results of operations.

 

Making loans is an essential element of our business, and there is a risk that the loans will not be repaid. This default risk is affected by a number of factors, including:

·          the duration of the loan;

·          credit risks of a particular borrower;

·          changes in economic or industry conditions; and

·          in the case of a collateralized loan, risks resulting from uncertainties about the future value of the collateral.

 

We strive to maintain an appropriate allowance for loan and lease losses to provide for probable losses inherent in the loan portfolio. We periodically determine the amount of the allowance based on consideration of several factors such as default frequency, internal risk ratings, expected future cash collections, loss recovery rates and general economic factors, among others. Our methodology for measuring the adequacy of the allowance relies on several key elements, which include a specific allowance for identified problem loans, a general systematic allowance, and an unallocated allowance.

 

We believe our allowance for loan and lease losses is currently sufficient given the constant monitoring of the risk inherent in the loan portfolio. However, there is no precise method of predicting loan losses and therefore we always face the risk that charge-offs in future periods will exceed the allowance for loan and lease losses and that additional increases in the allowance for loan and lease losses will be required. In addition, the FDIC as well as the OCFI may require us to establish additional reserves. Additions to the allowance for loan and lease losses would result in a decrease of net earnings and capital and could hinder our ability to pay dividends.

 

Given the economic conditions in Puerto Rico, we may continue to experience increased credit costs or need to take greater than anticipated markdowns and make greater than anticipated provisions to increase the allowances for loan losses on the loans acquired that could adversely affect our financial condition and results of operations in the future.

 

We are subject to default and other risks in connection with mortgage loan originations.

 

From the time that we fund the mortgage loans originated to the time that they are sold, we are generally at risk for any mortgage loan defaults. Once we sell the mortgage loans, the risk of loss from mortgage loan defaults and foreclosures passes to the purchaser or insurer of the mortgage loans. However, in the ordinary course of business, we make representations and warranties to the purchasers and insurers of mortgage loans relating to the validity of such loans. If there is a breach of any of these representations or warranties, we may be required to repurchase the mortgage loan and bear any subsequent loss on the mortgage loan. We also may be required to repurchase mortgage loans in the event that there was improper underwriting or fraud or in the event that the loans become delinquent shortly after they are originated. For the year ended December 31, 2013, we repurchased $21.4 million of loans from GNMA and FNMA. Any such repurchases in the future may negatively impact our liquidity and operating results. Termination of our ability to sell mortgage products to the U.S government-sponsored entities would have a material adverse effect on our results of operations and financial condition. In addition, we may be required to indemnify certain purchasers and others against losses they incur in the event of breaches of representations and warranties and in various other circumstances, including securities fraud claims, and the amount of such losses could exceed the purchase amount of the related loans. Consequently, we may be exposed to credit risk associated with sold loans. In addition, we incur higher liquidity risk with respect to mortgage loans not eligible to be purchased or  insured by FNMA, GNMA or FHLMC, due to a lack of secondary market in which to sell these loans.

 

We have established reserves in our consolidated financial statements for potential losses that are considered to be both probable and reasonably estimable related to the mortgage loans sold by us. The adequacy of the reserve and the ultimate amount of losses incurred will depend on, among other things, the actual future mortgage loan performance, the actual level of future repurchase and indemnification requests, the actual success rate of claimants, developments in litigation related to us and the industry, actual recoveries on the collateral and macroeconomic conditions (including unemployment levels and housing prices). Due to uncertainties relating to these factors, there can be no assurance that our reserves will be adequate or that the total amount of losses incurred will not have a material adverse effect upon our financial condition or results of operations. For additional information related to our allowance for loan and lease losses, see “Note 7—Allowance for Loan and Lease Losses” to our audited consolidated financial statements included in this annual report on Form 10-K for the year ended December 31, 2013.

 

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Our earnings could decrease due to increases to the provision for credit losses

 

Our customers might not repay their loans according to the original terms, and the collateral securing the payment of those loans might be insufficient to pay any remaining loan balance. Hence, we may experience significant loan losses, which could have a materially adverse effect on our operating results. We make various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of our borrowers and the value of the real estate and other assets serving as collateral for the repayment of loans. In determining the amount of the allowance for loan losses, we rely on loan quality reviews, past loss experience, and an evaluation of economic conditions, among other factors. If our assumptions prove to be incorrect, our allowance for loan losses may not be sufficient to cover losses inherent in our loan portfolio, resulting in additions to the allowance. Material additions to the allowance would materially decrease our net income.

 

Our emphasis on the origination of commercial real estate and business loans is one of the more significant factors in evaluating our allowance for loan losses. As we continue to increase the amount of these loans, additional or increased provisions for credit losses may be necessary and as a result would decrease our earnings.

 

Bank regulators periodically review our allowance for loan losses and may require us to increase our provision for credit losses or loan charge-offs.  Any increase in our allowance for loan losses or loan charge-offs as required by these regulatory authorities could have a materially adverse effect on our results of operations and/or financial condition.

 

Our intangible assets could be determined to be impaired in the future and could decrease the Company’s earnings

 

As a result of the BBVAPR Acquisition, we are required to test our goodwill, core deposit and customer relationship intangible assets for impairment on a periodic basis. The impairment testing process considers a variety of factors, including the current market price of our common shares, the estimated net present value of our assets and liabilities, and information concerning the terminal valuation of similarly situated insured depository institutions.  If an impairment determination is made in a future reporting period, our earnings and the book value of these intangible assets will be reduced by the amount of the impairment. If an impairment loss is recorded, it will have little or no impact on the tangible book value of our common shares or our regulatory capital levels, but such an impairment loss could significantly restrict the Company’s ability to make dividend payments without prior regulatory approval.

 

Our financial results are constantly exposed to market risk, in particular to changes in interest rates.

Market risk refers to the probability of variations in the net interest income or the fair value of assets and liabilities due to changes in interest rates, currency exchange rates or equity prices.

 

Changes in interest rates are one of the principal market risks affecting us. Our income and cash flows depend to a great extent on the difference between the interest rates earned on interest-earning assets such as loans and investment securities and the interest rates paid on interest-bearing liabilities such as deposits and borrowings. Net interest income is the difference between the revenue generated on interest-earning assets and the interest cost of funding those assets. Depending on the duration and repricing characteristics of the assets, liabilities and off-balance sheet items, changes in interest rates could either increase or decrease the level of net interest income. For any given period, the pricing structure of the assets and liabilities is matched when an equal amount of such assets and liabilities mature or reprice in that period.

 

We use an asset-liability management software program to project future movements in the balance sheet and income statement. The starting point of the projections generally corresponds to the actual values of the balance sheet on the date of the simulations. These simulations are highly complex and use many simplifying assumptions. In addition, the interest rates are highly sensitive to many factors that are beyond our control, including general economic conditions and the policies of various governmental and regulatory agencies, in particular, the Federal Reserve Board. Changes in monetary policy, including changes in interest rates, will influence the origination of loans, the prepayment speed of loans, the value of loans and investment securities, the purchase of investments, the generation of deposits and the rates received on loans and investment securities and paid on deposits or other sources of funding.

 

We are subject to interest rate risk because of the following factors:

 

·          Assets and liabilities may mature or reprice at different times. For example, if assets reprice slower than liabilities and interest rates are generally rising, earnings may initially decline.

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·          Assets and liabilities may reprice at the same time but by different amounts. For example, when the general level of interest rates is rising, we may increase rates charged on loans by an amount that is less than the general increase in market interest rates because of intense pricing competition. Also, basis risk occurs when assets and liabilities have similar repricing frequencies but are tied to different market interest rate indices that may not move in tandem.

·          Short-term and long-term market interest rates may change by different amounts, i.e., the shape of the yield curve may affect new loan yields and funding costs differently.

·          The remaining maturity of various assets and liabilities may shorten or lengthen as interest rates change. For example, if long-term mortgage interest rates decline sharply, our mortgage-backed securities portfolios may prepay significantly earlier than anticipated, which could reduce portfolio income. If prepayment rates increase, we would be required to amortize net premiums into income over a shorter period of time, thereby reducing the corresponding asset yield and net interest income. Prepayment risk also has a significant impact on mortgage-backed securities and collateralized mortgage obligations since prepayments could shorten the weighted average life of these portfolios.

·          Interest rates may have an indirect impact on loan demand, credit losses, loan origination volume, the value of financial assets and financial liabilities, gains and losses on sales of securities and loans, the value of mortgage servicing rights and other sources of earnings.

In limiting interest rate risk to an acceptable level, management may alter the mix of floating and fixed rate assets and liabilities, change pricing schedules, adjust maturities through sales and purchases of investment securities, and enter into derivative contracts, among other alternatives. We may suffer losses or experience lower spreads than anticipated in initial projections as management implements strategies to reduce future interest rate exposure.

 

The hedging transactions that we enter into may not be effective in managing our exposure to market risk, including interest rate risk.

We use over-the-counter (“OTC”) derivatives, such as interest rate swaps and options on interest rate swaps, to manage part of our exposure to market risk caused by changes in interest rates. We have also offered certificates of deposit with an option tied to the performance of the Standard & Poor 500 stock market index and use derivatives, such as option agreements with major broker-dealer companies, to manage our exposure to changes in the value of the index. The OTC derivative instruments that we may utilize also have their own risks, which include: (i) basis risk, which is the risk of loss associated with variations in the spread between the asset yield and the funding and/or hedge cost; (ii) credit or default risk, which is the risk of insolvency or other inability of the counterparty to a particular transaction to perform its obligations thereunder; and (iii) legal risk, which is the risk that we are unable to enforce certain terms of such instruments. All or any of such risks could expose us to losses. Further, as a result of the new regulatory regime for OTC derivatives enacted under the Dodd-Frank Act, and the regulations issued thereunder by the SEC and the Commodity Futures Trading Commission, we are subject to additional reporting, recordkeeping and other requirements in connection with our use of OTC derivatives.

 

If the counterparty to an OTC derivative contract fails to perform, our credit risk is equal to the net fair value of the contract. We deal with counterparties that have high quality credit ratings at the time we enter into the counterparty relationships. However, there can be no assurances that the counterparties will have the ability to perform under their contracts. If the counterparty fails to perform, including as a result of the bankruptcy or insolvency of such counterparty, we would incur losses as a result.

 

We may incur a significant impairment charge in connection with a decline in the market value of our investment securities portfolio.

A substantial part of our earnings come from the treasury business segment, which encompasses the investment securities portfolio. The determination of fair value for investment securities involves significant judgment due to the complexity of factors contributing to the valuation, many of which are not readily observable in the market. In addition, we utilize and review information obtained from third-party sources to measure fair values. Third-party sources also use assumptions, judgments and estimates in determining securities values, and different third parties may provide different prices for securities. Moreover, depending upon, among other things, the measurement date of the security, the subsequent sale price of the security may be different from its recorded fair value. These differences may be significant, especially if the security is sold during a period of illiquidity or market disruption.

  

When the fair value of a security declines, management must assess whether the decline is “other-than-temporary.” When the decline in fair value is deemed “other-than-temporary,” the amortized cost basis of the investment security is reduced to its then current fair

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value. The term “other-than-temporary impairment” is not intended to indicate that the decline is permanent, but indicates that the prospect for a near-term recovery of value is not necessarily favorable, or that there is a lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Any portion of a decline in value associated with credit loss is recognized in income with the remaining noncredit-related component being recognized in other comprehensive income. A credit loss is determined by assessing whether the amortized cost basis of the security will be recovered, by comparing the present value of cash flows expected to be collected from the security, computed using original yield as the discount rate, to the amortized cost basis of the security. The shortfall of the present value of the cash flows expected to be collected in relation to the amortized cost basis is considered to be the “credit loss.” Such impairment charges reflect non-cash losses at the time of recognition. Subsequent disposition or sale of such assets could further affect our future results of operations, as they are based on the difference between the sale prices received and the adjusted amortized cost of such assets at the time of sale. We consider numerous factors in our review of whether a decline in fair value is other-than-temporary, many of which involve complex judgment.

 

 A decline in the market value of our investment securities portfolio could adversely impact our regulatory capital ratios.

Under the new capital rules adopted by the federal banking regulatory agencies to implement the so-called “Basel III” capital framework in the United States, banking organizations will generally be required to include gains and losses on their securities holdings classified as available-for-sale (“AFS”) in common equity tier 1 capital (“CET1”). This aspect of the rules will be phased in over several years with full gain and loss flow-through to capital starting in 2018.  Currently, unrealized losses on AFS equity securities are counted against Tier 1 Capital, unrealized gains on AFS equity securities are partially included in Tier 2 Capital and unrealized gains and losses on AFS debt securities are excluded from regulatory capital.  However, these unrealized gains and losses are reflected in stockholders’ equity under accounting principles generally accepted in the United States (“GAAP”).  As part of the new capital rules, the agencies introduced the concept of CET1, which is comprised of qualifying common stock instruments, retained earnings, accumulated other comprehensive income (“AOCI”), certain qualifying minority interests in consolidated subsidiaries and other adjustments, and establish a new minimum ratio of CET1 to total risk-weighted assets of 4.5% beginning in 2015 and a capital conservation buffer of 2.5% to be phased in over several years through 2018.  Because of the inclusion of AOCI, unlike the current general risk-based capital rules, unrealized gains and losses on all AFS-classified securities would flow through to CET1 capital, after the transition period. 

However, under the new capital rules, a banking organization, such as us, that is not subject to the advanced approaches rule may make a one-time election not to include most elements of AOCI in regulatory capital and instead effectively use the existing treatment under general risk-based capital rules that excludes most AOCI elements from regulatory capital.  Any such banking organization must make its AOCI opt-out election in its first Consolidated Reports of Condition and Income (Call Report) or FR Y–9 series report that is filed after it becomes subject to the new rules.  If we do not make a timely AOCI opt-out election, we will be required to recognize AOCI (excluding accumulated net gains and losses on cash-flow hedges that relate to the hedging of items that are not recognized at fair value on the balance sheet) in regulatory capital as of the first quarter of 2015 and continuing thereafter.  In such case, our CET1 levels would likely be significantly more volatile under the new capital rules than previously because unrealized gains and losses on AFS classified securities recognized in stockholders’ equity on the balance sheet for accounting purposes would also be incorporated for regulatory capital purposes.  Accordingly, a decline in the market value of our investment securities portfolio could adversely impact our regulatory capital ratios.

Market conditions and actions by governmental authorities may upset the historical relationship between interest rate changes and prepayment trends, which would make it more difficult for us to analyze our investment portfolio.

Our success depends in part on our ability to analyze the relationship of changing interest rates on prepayments of the mortgage loans that underlie our mortgage-backed securities (“MBS”) portfolio. Changes in interest rates and prepayments affect the market price of MBS that we may purchase and any MBS that we may hold at a given time. As part of our overall portfolio risk management, we analyze interest rate changes and prepayment trends separately and collectively to assess their effects on our investment portfolio. In conducting this analysis, we depend on certain assumptions based upon historical trends with respect to the relationship between interest rates and prepayments under normal market conditions. U.S. government programs aimed at assisting homeowners, including the Homeowner Affordability and Stability Plan , the Home Affordable Refinancing Program (“HARP”) , and the Home Affordable Modification Program (“HAMP”) , could cause an increase in prepayment rates. On February 1, 2012, President Obama proposed legislation to expand HARP in order to allow a greater number of homeowners to refinance their mortgages at historically low interest rates. If the dislocations in the residential mortgage market, recent or future government actions, or other developments change the way that prepayment trends have historically responded to interest rate changes, it would significantly affect our ability to (i) assess the market value of our investment portfolio, (ii) implement our hedging strategies, and (iii) adopt techniques to reduce our prepayment rate volatility. This could adversely affect our results of operations or financial position .

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A prolonged economic downturn or recession or a continuing decline in the real estate market would likely result in an increase in delinquencies, defaults and foreclosures and in a reduction in loan origination activity, which would adversely affect our financial results.

 

The residential mortgage loan origination business has historically been cyclical, enjoying periods of strong growth and profitability followed by periods of lower volumes and industry-wide losses. The market for residential mortgage loan originations is currently in decline, and this trend could also reduce the level of mortgage loans that we may originate in the future and may adversely impact our business. During periods of rising interest rates, refinancing originations for many mortgage products tend to decrease as the economic incentives for borrowers to refinance their existing mortgage loans are reduced. In addition, the residential mortgage loan origination business is impacted by home values. A significant trend of decreasing values in certain housing segments in Puerto Rico has also been noted. There is a risk that a reduction in housing values could negatively impact our loss levels on the mortgage portfolio because the value of the homes underlying the loans is a primary source of repayment in the event of foreclosure.

 

The decline in Puerto Rico’s economy has had an adverse effect in the credit quality of our loan portfolios. Among other things, during the recession, we have experienced an increase in the level of non-performing assets and loan loss provision, which adversely affected our profitability. Although the delinquency rates have decreased in the short term, they may increase if the economy falls back into a recession. If there is another decline in economic activity, additional increases in the allowance for loan and lease losses could be necessary with further adverse effects on our profitability.

 

Any sustained period of increased delinquencies, foreclosures or losses could harm our ability to sell loans, the price received on the sale of such loans, and the value of the mortgage loan portfolio, all of which could have a negative impact on our results of operations and financial condition. In addition, any material decline in real estate values would weaken our collateral loan-to-value ratios and increase the possibility of loss if a borrower defaults. For a discussion of the impact of the Puerto Rico economy on our business operations, see “—Most of our business is conducted in Puerto Rico, which in recent years has experienced a downturn in the economy and in the real estate market.”

 

A continuing decline in the real estate market in the U.S. mainland and ongoing disruptions in the capital markets may harm our investment securities and wholesale funding portfolios.

 

The housing market in the U.S. went through a correction of historic proportions. After a period of several years of booming housing markets, fueled by liberal credit conditions and rapidly rising property values, the sector  entered a substantial correction in early 2007. The general level of property values in the U.S. as measured by several indices widely followed by the market declined. These declines were the result of ongoing market adjustments that  aligned property values with income levels and home inventories. The U.S. residential real estate market has shown signs of recovery driven by lower interest rates, fewer foreclosures, high affordability of home ownership, and satisfying demand that has built up during a period of economic uncertainty. However, we cannot predict whether the recovery will continue or if and when the market and related economic forces will return the U.S. residential real estate industry to a period of sustained growth. Diverse macroeconomic developments could also slow or impair a housing recovery and if the real estate market or the economy as a whole does not improve, we may experience material adverse effects on our business or financial condition and liquidity, including our investment securities and wholesale funding portfolios. Furthermore, any concern regarding the long-term sovereign credit rating of the United States, including due to concerns related to U.S. federal fiscal policy or difficulties in addressing federal debt levels, could stress the capital markets in the United States and globally and could have a negative impact on our investment securities and wholesale funding portfolios.

 

Our business could be adversely affected if we cannot maintain access to stable funding sources.

 

Our business requires continuous access to various funding sources. We are able to fund our operations through deposits as well as through advances from the FHLB-NY and other alternative sources; however, our business is significantly dependent upon other wholesale funding sources, such as repurchase agreements and brokered deposits, which consisted of approximately 30% of our total interest-bearing liabilities as of December 31, 2013.

 

Brokered deposits are typically sold through an intermediary to small retail investors. Our ability to continue to attract brokered deposits is subject to variability based upon a number of factors, including volume and volatility in the global securities markets, our credit rating and the relative interest rates that we are prepared to pay for these liabilities. Brokered deposits are generally considered a less stable source of funding than core deposits obtained through retail bank branches. Investors in brokered deposits are generally

23

 

 

 

more sensitive to interest rates and will generally move funds from one depository institution to another based on small differences in interest rates offered on deposits.

  

We expect to have continued access to credit from the foregoing sources of funds. However, there can be no assurance that such financing sources will continue to be available or will be available on favorable terms. In a period of financial disruption, or if negative developments occur with respect to us, the availability and cost of funding sources could be adversely affected. In that event, our cost of funds may increase, thereby reducing the net interest income, or we may need to dispose of a portion of the investment portfolio, which, depending upon market conditions, could result in realizing a loss or experiencing other adverse accounting consequences upon the dispositions. The interest rates that we pay on our securities are also influenced by, among other things, applicable credit ratings from recognized rating agencies. A downgrade to any of these credit ratings could affect our ability to access the capital markets, increase our borrowing costs and have a negative impact on our results of operations. Our efforts to monitor and manage liquidity risk may not be successful to deal with dramatic or unanticipated changes in the global securities markets or other reductions in liquidity driven by us or market related events. In the event that such sources of funds are reduced or eliminated and we are not able to replace them on a cost-effective basis, we may be forced to curtail or cease our loan origination business and treasury activities, which would have a material adverse effect on our operations and financial condition.

 

Our risk management policies, procedures and systems may be inadequate to mitigate all risks inherent in our various businesses.

A comprehensive risk management function is essential to the financial and operational success of our business. The types of risk we monitor and seek to manage include, but are not limited to, operational risk, technological and organizational risk, market risk, fiduciary risk, legal and compliance risk, liquidity risk and credit risk. We have adopted various policies, procedures and systems to monitor and manage these risks. There can be no assurance that those policies, procedures and systems are adequate to identify and mitigate all risks inherent in our various businesses. Our businesses and the markets in which we operate are also continuously evolving. If we fail to fully understand the implications of changes in our business or the financial markets and to adequately or timely enhance the risk framework to address those changes, we could incur losses. In addition, in a difficult or less liquid market environment, our risk management strategies may not be effective because other market participants may be attempting to use the same or similar strategies to deal with the challenging market conditions. In such circumstances, it may be difficult for us to reduce our risk positions due to the activity of such other market participants.

Competition with other financial institutions could adversely affect our profitability.

We face substantial competition in originating loans and in attracting deposits and assets to manage. The competition in originating loans and attracting assets comes principally from other U.S., Puerto Rico and foreign banks, investment advisors, broker-dealers, mortgage banking companies, consumer finance companies, credit unions, insurance companies, and other institutional lenders and purchasers of loans. We will encounter greater competition as we expand our operations. Increased competition may require us to increase the rates paid on deposits or lower the rates charged on loans which could adversely affect our profitability.

Our ability to receive dividends from our subsidiaries could affect our liquidity and ability to pay dividends.

 

We are a separate and distinct legal entity from our subsidiaries. Dividends to us from our subsidiaries have represented a major source of funds for us to pay dividends on our common and preferred stock, make payments on corporate debt securities and meet other obligations. There are various U.S. federal and Puerto Rico law limitations on the extent to which Oriental Bank, our main subsidiary, can finance or otherwise supply funds to us through dividends and loans. These limitations include minimum regulatory capital requirements, U.S. federal and Puerto Rico banking law requirements concerning the payment of dividends out of net profits or surplus, Sections 23A and 23B of the Federal Reserve Act of 1913 and Regulation W of the Federal Reserve Board governing transactions between an insured depository institution and its affiliates, as well as general federal regulatory oversight to prevent unsafe or unsound practices. Further, under the new capital rules adopted by the federal banking regulatory agencies, a banking organization will need to hold a capital conservation buffer (composed of common equity tier 1 capital) greater than 2.5% of total risk-weighted assets to avoid limitations on capital distributions and discretionary bonus payments.  Compliance with the capital conservation buffer is determined as of the end of the calendar quarter prior to any such capital distribution or discretionary bonus payment, and is subject to a three-year transition period beginning in 2016.    

 

 

If our subsidiaries’ earnings are not sufficient to make dividend payments while maintaining adequate capital levels, our liquidity may be affected, and we may not be able to make dividend payments to our holders of common and preferred stock or payments on

24

 

 

 

outstanding corporate debt securities or meet other obligations, each of which could have a material adverse impact on our results of operations, financial position or perception of financial health.

 

In addition, our right to participate in a distribution of assets upon a subsidiary’s liquidation or reorganization is subject to the prior claims of the subsidiary’s creditors.

 

Loans that we acquired in the FDIC-assisted acquisition of Eurobank may not be covered by the shared-loss agreements if the FDIC determines that we have not adequately performed under these agreements or if the shared-loss agreements have ended.

Although the FDIC has agreed to reimburse us for 80% of qualifying losses on covered loans, we are not protected from all losses resulting from charge-offs with respect to such loans. Also, the FDIC has the right to refuse or delay payment for loan and lease losses if the shared-loss agreements are not performed by us in accordance with their terms. Additionally, the shared-loss agreements have limited terms, and therefore, any charge-offs that we experience after the terms of the shared-loss agreements have ended would not be recoverable from the FDIC.

 

Certain provisions of the shared-loss agreements entered into with the FDIC may have anti-takeover effects and could limit our ability to engage in certain strategic transactions that our board of directors believes would be in the best interests of shareholders.

  

The FDIC’s agreement to bear 80% of qualifying losses on single family residential loans for ten years and commercial loans for five years is one of our significant assets and a feature of the FDIC-assisted acquisition without which we would not have entered into such transaction. Our agreement with the FDIC requires that we receive prior FDIC consent, which may be withheld by the FDIC in its sole discretion, prior to us or our shareholders engaging in certain transactions. If any such transaction is completed without prior FDIC consent, the FDIC would have the right to discontinue the loss-sharing arrangement.

 

Among other things, prior FDIC consent is required for: (i) a merger or consolidation of us with or into another company if our shareholders will own less than 2/3 of the combined company and (ii) a sale of shares by one or more of our shareholders that will effect a change in control of Oriental Bank, as determined by the FDIC with reference to the standards set forth in the Change in Bank Control Act of 1978 (generally, the acquisition of between 10% and 25% of our voting securities where the presumption of control is not rebutted, or the acquisition of more than 25% of our voting securities). Such a sale by shareholders may occur beyond our control. If we or any shareholder desires to enter into any such transaction, there can be no assurances that the FDIC would grant its consent in a timely manner, without conditions, or at all. If one of these transactions were to occur without prior FDIC consent and the FDIC withdrew its loss-share protection, there could be a material adverse impact on us.

 

Loans that we acquired in the FDIC-assisted acquisition may be subject to impairment.

  

Although the covered loan portfolios acquired by us were initially accounted for at fair value, certain of such loans have become impaired and we have recorded $52.7 million in allowance for loan losses related to this portfolio. There is no assurance that loans in this portfolio will not become impaired or further impaired, which may result in additional provision for loan and lease losses related to these portfolios. The fluctuations in economic conditions, including those related to the Puerto Rico residential and commercial real estate and construction markets may increase the level of provision for credit losses that we make to our loan portfolio and portfolios acquired in the FDIC-assisted acquisition, and consequently, reduce our net income. These fluctuations are not predictable, cannot be controlled, and may have a material adverse impact on our operations and financial condition even if other favorable events occur.

 

We operate in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations.

 

Our operations are subject to extensive regulation by federal, state and local governmental authorities and are subject to various laws and judicial and administrative decisions imposing requirements and restrictions on part or all of our operations. Because our business is highly regulated, the laws, rules and regulations applicable to us are subject to regular modification and change. For example, the Dodd-Frank Act has a broad impact on the financial services industry, including significant regulatory and compliance changes, such as: (i) enhanced resolution authority of troubled and failing banks and their holding companies; (ii) enhanced lending limits strengthening the existing limits on a depository institution’s credit exposure to one borrower and to affiliates; (iii) increased capital and liquidity requirements; (iv) increased regulatory examination fees; (v) changes to assessments to be paid to the FDIC for federal deposit insurance; (vi) prohibiting bank holding companies, such as us, from including in regulatory tier 1 capital future issuances of trust preferred securities or other hybrid debt and equity securities; (vii) caps on the interchange fees that banks are able to charge merchants for debit card transactions pursuant to the “Durbin Amendment”; and (viii) numerous other provisions designed to improve supervision and oversight of the financial services industry. Additionally, the Dodd-Frank Act established a new framework for

25

 

 

 

systemic risk oversight within the financial system to be distributed among new and existing federal regulatory agencies, including the Financial Stability Oversight Council, the Federal Reserve Board, the Office of the Comptroller of the Currency, and the FDIC. It also creates a new consumer financial protection regulator, the CFPB, which assumed most of the consumer financial protection regulatory responsibilities that were exercised by federal banking regulators and other agencies. Further, the Dodd-Frank Act addresses many corporate governance and executive compensation matters that affect most U.S. publicly-traded companies, including us.

 

Certain recent regulatory changes under the Dodd-Frank Act apply only to depository institutions with more than $10 billion in total assets, including requirements to undergo regular “stress testing” of capital under hypothetical adverse economic scenarios, “large bank” adjustments to assessments paid to the FDIC for deposit insurance, supervision and examination by the  CFPB, and requirements to establish a risk committee on a company’s board of directors. In addition, financial institutions with more than $10 billion in assets will not be eligible for the “commercial end user” exemption to Dodd-Frank Act’s mandatory clearing requirements for swaps and security-based swaps transactions used to hedge commercial risk. If we grow to have more than $10 billion in assets through additional acquisitions or organic growth, our costs of doing business would be likely to increase permanently as a result of these requirements.

 

Given that many of the provisions of the Dodd-Frank Act are being implemented over time and are subject to implementing regulations, the full extent of the impact that such requirements, and other legislative and regulatory developments, will have on our operations is unclear. The changes resulting from the Dodd-Frank Act may impact the profitability of our business activities, require changes to certain of our business practices, impose upon us more stringent capital, liquidity and leverage ratio requirements or otherwise adversely affect our business. In particular, the potential impact of the Dodd-Frank Act on our operations and activities, both currently and prospectively, include, among others:

·          a reduction in our ability to generate or originate revenue-producing assets as a result of compliance with heightened capital standards;

·          increased cost of operations due to greater regulatory oversight, supervision and examination of banks and bank holding companies, and higher deposit insurance premiums;

·          the limitation on our ability to raise capital through the use of trust preferred securities as these securities will no longer be included as tier 1 capital going forward; and

·          the limitation on our ability to expand consumer product and service offerings due to anticipated stricter consumer protection laws and regulations.

Further, we may be required to invest significant management attention and resources to evaluate and make necessary changes in order to comply with new statutory and regulatory requirements. Failure to comply with the new requirements may negatively impact our results of operations and financial condition. While we cannot predict what effect any presently contemplated or future changes in the laws or regulations or their interpretations would have on us, these changes could be materially adverse to our investors.

Legislative and other measures that may be taken by Puerto Rico governmental authorities could materially increase our tax burden or otherwise adversely affect our financial condition, results of operations or cash flows.

 

We operate the IBE Unit and Subsidiary pursuant to the IBE Act that provide us with significant tax advantages. An IBE has the benefits of exemptions from Puerto Rico income taxes on interest earned on, or gain realized from the sale of, non-Puerto Rico assets, including U.S. government obligations and certain mortgage-backed securities. This exemption has allowed us to have effective tax rates significantly below the maximum statutory tax rates. In the past, the Legislature of Puerto Rico has considered proposals to curb the tax benefits afforded to IBEs. In 2012, a new Puerto Rico law was enacted in this area. Although it did not repeal the IBE Act, the new law does not allow new license applications under the IBE Act to organize and operate an IBE. Any newly organized entity (now called an “international financial entity”) must be licensed under the new law and such entity (as opposed to existing IBEs organized under the IBE Act, including the Bank’s IBE Unit and Subsidiary, which are “grandfathered”) will generally be subject to a 4% Puerto Rico income tax rate. In the event other legislation is passed in Puerto Rico to eliminate or modify the tax exemption enjoyed by IBEs, the consequences could have a materially adverse impact on us, including increasing the tax burden or otherwise adversely affecting our financial condition, results of operations or cash flows.

 

Changes in accounting standards issued by the Financial Accounting Standards Board (“FASB”) or other standard-setting bodies may adversely affect our financial statements.

 

26

 

 

 

Our financial statements are subject to the application of GAAP, which are periodically revised and/or expanded. Accordingly, from time to time we are required to adopt new or revised accounting standards issued by FASB. Market conditions have prompted accounting standard setters to promulgate new guidance which further interprets or seeks to revise accounting pronouncements related to financial instruments, structures or transactions as well as to issue new standards expanding disclosures. See “Note 1—Summary of Significant Accounting Policies” to our consolidated financial statements included herein for a discussion of any accounting developments that have been issued but not yet implemented. An assessment of proposed standards is not provided as such proposals are subject to change through the exposure process and, therefore, the effects on our financial statements cannot be meaningfully assessed. It is possible that future accounting standards that we are required to adopt could change the current accounting treatment that applies to the consolidated financial statements and that such changes could have a material effect on our financial condition and results of operations.

 

Competition in attracting talented people could adversely affect our operations.

 

We depend on our ability to attract and retain key personnel and we rely heavily on our management team. The inability to recruit and retain key personnel or the unexpected loss of key managers may adversely affect our operations. Our success to date has been influenced strongly by the ability to attract and retain senior management experienced in banking and financial services. Retention of senior managers and appropriate succession planning will continue to be critical to the successful implementation of our strategies.

 

Reputational risk and social factors may impact our results.

 

Our ability to originate loans and to attract deposits and assets is highly dependent upon the perceptions of consumer, commercial and funding markets of our business practices and our financial health. Negative public opinion could result from actual or alleged conduct in any number of activities or circumstances, including lending practices, regulatory compliance, inadequate protection of customer information, or sales and marketing, and from actions taken by regulators in response to such conduct. Adverse perceptions regarding us could lead to difficulties in originating loans and generating and maintaining accounts as well as in financing them.

 

In addition, a variety of social factors may cause changes in borrowing activity, including credit card use, payment patterns and the rate of defaults by account holders and borrowers. If consumers develop or maintain negative attitudes about incurring debt, or if consumption trends decline, our business and financial results will be negatively affected.

 

We could incur increased costs or reductions in revenue or suffer reputational damage in the event of misuse of information.

 

Our operations rely on the secure processing, transmission and storage of confidential information in our computer systems and networks regarding our customers and their accounts. To provide these products and services, we use information systems and infrastructure that we and third party service providers operate. As a financial institution, we also are subject to and examined for compliance with an array of data protection laws, regulations and guidance, as well as to our own internal privacy and information security policies and programs.

 

Information security risks for financial institutions like us have generally increased in recent years in part because of the proliferation of new technologies, the use of the Internet and telecommunications technologies to conduct financial transactions and the increased sophistication and activities of organized crime, hackers and other external parties. Our technologies and systems may become the target of cyber-attacks or other attacks that could result in the misuse or destruction of our or our customers’ confidential, proprietary or other information or that could result in disruptions to the business operations of us or our customers or other third parties. Further, a breach or attack affecting one of our third-party service providers or partners could impact us through no fault of our own. In addition, because the methods and techniques employed by perpetrators of fraud and others to attack systems and applications change frequently and often are not fully recognized or understood until after they have been launched, we and our third-party service providers and partners may be unable to anticipate certain attack methods in order to implement effective preventative measures.

 

While we have policies and procedures designated to prevent or limit the effect of the possible security breach of our information systems, if unauthorized persons were somehow to get access to confidential or proprietary information in our possession or to our proprietary information, it could result in significant legal and financial exposure, damage to our reputation or a loss of confidence in the security of our systems that could adversely affect our business. Though we have insurance against some cyber-risks and attacks, it may not be sufficient to offset the impact of a material loss event.

27

 

 

 

ITEM 1B.      UNRESOLVED STAFF COMMENTS

 

None.

 

ITEM 2.    PROPERTIES   

The Company owns a fifteen-story office building the property located at 254 Muñoz Rivera Avenue, San Juan Puerto Rico, known as Oriental Center. The Company operates a full service branch at the plaza level and our centralized units and subsidiaries occupy approximately 66% of the office floor space. Approximately 34% of the office space is leased to outside tenants .The Company also leases offices at 997 San Roberto Street, Professional Offices Park, San Juan, Puerto Rico, known as Oriental Tower. 

The Bank owns ten branch premises and leases forty-five branch commercial offices throughout Puerto Rico. The Bank’s management believes that each of its facilities is well maintained and suitable for its purpose and can readily obtain appropriate additional space as may be required at competitive rates by extending expiring leases or finding alternative space.

At December 31, 2013, the aggregate future rental commitments under the terms of the leases, exclusive of taxes, insurance and maintenance expenses payable by the Company, was $57.8 million.

The Company’s investment in premises and equipment, exclusive of leasehold improvements at December 31, 2013, was $106.4 million, gross of accumulated depreciation.

 

ITEM 3.      LEGAL PROCEEDINGS

 

The Company and its subsidiaries are defendants in a number of legal proceedings incidental to their business. The Company is vigorously contesting such claims. Based upon a review by legal counsel and the development of these matters to date, management is of the opinion that the ultimate aggregate liability, if any, resulting from these claims will not have a material adverse effect on the Company’s financial condition or results of operations.

 

ITEM 4.     MINE SAFETY DISCLOSURE

 

Not applicable.

 

PART II

ITEM 5.        MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES  

The Company’s common stock is traded on the New York Stock Exchange (“NYSE”) under the symbol “OFG”. Information concerning the range of high and low sales prices for the Company’s common stock for each quarter in the years ended December 31, 2013 and 2012, as well as cash dividends declared for such periods are set forth under the sub-heading “Stockholders’ Equity” in the “Analysis of Financial Condition” caption in the Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”).

Information concerning legal or regulatory restrictions on the payment of dividends by the Company and the Bank is contained under the sub-heading “Dividend Restrictions” in Item 1 of this report.

As of December 31, 2013, the Company had approximately 3,896 holders of record of its common stock, including all directors and officers of the Company, and beneficial owners whose shares are held in “street” name by securities broker-dealers or other nominees.

 

 

28

 

 

 

Stock Performance Graph

The graph below compares the percentage change in the Company’s cumulative total stockholder return during the measurement period with the cumulative total return, assuming reinvestment of dividends, of the Russell 2000 Index and the SNL Bank Index.

The cumulative total stockholder return was obtained by dividing the sum of (i) the cumulative amount of dividends per share, assuming dividend reinvestment, for the measurement period beginning December 31, 2009, and (ii) the difference between the share price at the beginning and the end of the measurement period, by the share price at the beginning of the measurement period.

Comparison of 5 Year Cumulative Total Return

Assumes Initial Investment of $100

 

Index

12/31/2008

12/31/2009

12/31/2010

12/31/2011

12/31/2012

12/31/2013

OFG Bancorp

 100.00 

 182.01 

 213.25 

 210.64 

 237.07 

 312.73 

Russell 2000

 100.00 

 127.17 

 161.32 

 154.59 

 179.86 

 249.69 

SNL Bank

 100.00 

 98.97 

 110.90 

 85.88 

 115.90 

 159.12 

29

 

 

       

ITEM 6.         SELECTED FINANCIAL DATA  

 

The following selected financial data should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” under Item 7 and “Financial Statements and Supplementary Data” under Item 8 of this report.

 

OFG Bancorp

SELECTED FINANCIAL DATA

YEARS ENDED DECEMBER 31, 2013, 2012, 2011, 2010, AND 2009

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Year Ended December 31, 

  

2013 

  

2012 

  

2011 

  

2010 

  

2009 

EARNINGS DATA:

(In thousands, except per share data)

Interest income

$

 493,632 

  

$

 260,808 

  

$

 297,295 

  

$

 303,785 

  

$

 319,470 

Interest expense

  

 83,960 

  

  

 103,518 

  

  

 156,362 

  

  

 168,878 

  

  

 188,994 

    Net interest income

  

 409,672 

  

  

 157,290 

  

  

 140,933 

  

  

 134,907 

  

  

 130,476 

Provision for non-covered loan and lease losses

  

 67,559 

  

  

 13,854 

  

  

 15,200 

  

  

 15,914 

  

  

 15,650 

Provision for covered loan and lease losses, net

  

 5,335 

  

  

 9,827 

  

  

 (1,387) 

  

  

 6,282 

  

  

 - 

    Total provision for loan and lease losses, net

  

 72,894 

  

  

 23,681 

  

  

 13,813 

  

  

 22,196 

  

  

 15,650 

        Net interest income after provision for loan

            and lease losses

  

 336,778 

  

  

 133,609 

  

  

 127,120 

  

  

 112,711 

  

  

 114,826 

Non-interest income

  

 17,513 

  

  

 26,279 

  

  

 32,455 

  

  

 4,930 

  

  

 (903) 

Non-interest expenses

  

 264,554 

  

  

 132,032 

  

  

 124,259 

  

  

 112,105 

  

  

 84,005 

    Income before taxes

  

 89,737 

  

  

 27,856 

  

  

 35,316 

  

  

 5,536 

  

  

 29,918 

Income tax expense (benefit)

  

 (8,709) 

  

  

 3,301 

  

  

 866 

  

  

 (4,298) 

  

  

 6,973 

    Net Income

  

 98,446 

  

  

 24,555 

  

  

 34,450 

  

  

 9,834 

  

  

 22,945 

Less: dividends on preferred stock

  

 (13,862) 

  

  

 (9,939) 

  

  

 (4,802) 

  

  

 (5,335) 

  

  

 (4,802) 

Less: deemed dividends on preferred stock beneficial conversion future

  

 - 

  

  

 - 

  

  

 - 

  

  

 (22,711) 

  

  

 - 

    Income (loss) available to common shareholders

$

 84,584 

  

$

 14,616 

  

$

 29,648 

  

$

 (18,212) 

  

$

 18,143 

PER SHARE DATA:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Basic

$

 1.85 

  

$

 0.35 

  

$

 0.67 

  

$

 (0.50) 

  

$

 0.75 

Diluted

$

 1.73 

  

$

 0.35 

  

$

 0.67 

  

$

 (0.50) 

  

$

 0.75 

Average common shares outstanding

  

 45,706 

  

  

 41,626 

  

  

 44,433 

  

  

 36,704 

  

  

 24,289 

Average common shares outstanding and equivalents

  

 53,033 

  

  

 45,304 

  

  

 44,524 

  

  

 36,710 

  

  

 24,306 

Book value per common share

$

 15.74 

  

$

 15.31 

  

$

 15.28 

  

$

 14.39 

  

$

 10.93 

Tangible book value per common share

$

 13.60 

  

  

 13.10 

  

$

 15.19 

  

$

 14.30 

  

$

 10.84 

Market price at end of period

$

 17.34 

  

  

 13.35 

  

$

 12.11 

  

$

 12.49 

  

$

 10.80 

Cash dividends declared per common share

$

 0.26 

  

  

 0.24 

  

$

 0.21 

  

$

 0.17 

  

$

 0.16 

Cash dividends declared on common shares

$

 11,875 

  

  

 10,067 

  

$

 9,153 

  

$

 6,820 

  

$

 3,888 

PERFORMANCE RATIOS:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Return on average assets (ROA)

  

1.15%

  

  

0.37%

  

  

0.48%

  

  

0.14%

  

  

0.36%

Return on average tangible common stockholders' equity

  

14.01%

  

  

2.32%

  

  

4.54%

  

  

-3.55%

  

  

6.91%

Return on average common equity (ROE)

  

12.03%

  

  

2.29%

  

  

4.50%

  

  

-3.63%

  

  

7.14%

Equity-to-assets ratio

  

10.85%

  

  

9.38%

  

  

10.38%

  

  

10.01%

  

  

5.03%

Efficiency ratio

  

53.45%

  

  

64.05%

  

  

66.26%

  

  

64.31%

  

  

51.82%

Interest rate spread

  

5.46%

  

  

2.59%

  

  

2.15%

  

  

2.00%

  

  

2.13%

Interest rate margin

  

5.46%

  

  

2.67%

  

  

2.19%

  

  

2.03%

  

  

2.17%

30

 

 

       

 

  

December 31,

  

2013 

  

2012 

  

2011 

  

2010 

  

2009 

PERIOD END BALANCES AND CAPITAL RATIOS:

(In thousands, except per share data)

Investments and loans

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Investments securities

$

 1,614,809 

  

$

 2,233,265 

  

$

 3,867,970 

  

$

 4,413,957 

  

$

 4,974,269 

    Loans and leases not covered under shared-loss

        agreements with the FDIC, net

  

 4,662,458 

  

  

 4,762,330 

  

  

 1,169,916 

  

  

 1,145,320 

  

  

 1,138,837 

    Loans and leases covered under shared-loss

        agreements with the FDIC, net

  

 356,961 

  

  

 395,307 

  

  

 496,276 

  

  

 620,711 

  

  

 - 

        Total investments and loans

$

 6,634,228 

  

$

 7,390,902 

  

$

 5,534,162 

  

$

 6,179,988 

  

$

 6,113,106 

Deposits and borrowings

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Deposits

$

 5,383,265 

  

$

 5,690,579 

  

$

 2,437,796 

  

$

 2,628,167 

  

$

 1,786,880 

    Securities sold under agreements to repurchase

  

 1,267,618 

  

  

 1,695,247 

  

  

 3,056,238 

  

  

 3,456,781 

  

  

 3,557,308 

    Other borrowings

  

 439,816 

  

  

 791,417 

  

  

 427,063 

  

  

 427,395 

  

  

 435,876 

        Total deposits and borrowings

$

 7,090,699 

  

$

 8,177,243 

  

$

 5,921,097 

  

$

 6,512,343 

  

$

 5,780,064 

Stockholders’ equity

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Preferred stock

$

 176,000 

  

$

 176,000 

  

$

 68,000 

  

$

 68,000 

  

$

 68,000 

    Common stock

  

 52,707 

  

  

 52,671 

  

  

 47,809 

  

  

 47,808 

  

  

 25,739 

    Additional paid-in capital

  

 538,071 

  

  

 537,453 

  

  

 499,096 

  

  

 498,435 

  

  

 213,445 

    Legal surplus

  

 61,957 

  

  

 52,143 

  

  

 50,178 

  

  

 46,331 

  

  

 45,279 

    Retained earnings

  

 133,629 

  

  

 70,734 

  

  

 68,149 

  

  

 51,502 

  

  

 77,584 

    Treasury stock, at cost

  

 (80,642) 

  

  

 (81,275) 

  

  

 (74,808) 

  

  

 (16,732) 

  

  

 (17,142) 

    Accumulated other comprehensive income

  

 3,191 

  

  

 55,880 

  

  

 37,131 

  

  

 36,987 

  

  

 (82,739) 

        Total stockholders' equity

$

 884,913 

  

$

 863,606 

  

$

 695,555 

  

$

 732,331 

  

$

 330,166 

Capital ratios

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Leverage capital

  

9.11%

  

  

6.55%

  

  

9.65%

  

  

9.56%

  

  

6.52%

    Tier 1 risk-based capital

  

14.35%

  

  

13.18%

  

  

31.84%

  

  

30.98%

  

  

18.79%

    Total risk-based capital

  

16.14%

  

  

15.40%

  

  

33.12%

  

  

32.26%

  

  

19.85%

    Tier 1 common equity to risk-weighted assets

  

10.44%

  

  

9.36%

  

  

27.01%

  

  

28.08%

  

  

15.83%

Financial assets managed

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Trust assets managed

$

 2,796,923 

  

$

 2,514,401 

  

$

 2,216,088 

  

$

 2,175,270 

  

$

 1,818,498 

    Broker-dealer assets gathered

  

 2,493,324 

  

  

 2,722,197 

  

  

 1,926,148 

  

  

 1,695,634 

  

  

 1,269,284 

Total assets managed

$

 5,290,247 

  

$

 5,236,598 

  

$

 4,142,236 

  

$

 3,870,904 

  

$

 3,087,782 

31

 

 

       

The ratios shown below demonstrate the Company’s ability to generate sufficient earnings to pay the fixed charges or expenses of its debt and preferred stock dividends. The Company’s consolidated ratios of earnings to combined fixed charges and preferred stock dividends were computed by dividing earnings by combined fixed charges and preferred stock dividends, as specified below, using two different assumptions, one excluding interest on deposits and the second including interest on deposits:

 

  

Year Ended December 31, 

  

2013 

  

2012 

  

2011 

  

2010 

  

2009 

Consolidated Ratios of Earnings to Combined Fixed Charges and Preferred Stock Dividends

  

  Excluding Interests on Deposits

  

2.26x 

  

  

1.21x 

  

  

1.26x 

  

  

(A) 

  

  

1.18x 

  Including Interests on Deposits

  

1.75x 

  

  

1.15x 

  

  

1.19x 

  

  

(A) 

  

  

1.13x 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

(A)  In 2010, earnings were not sufficient to cover preferred stock dividends, and the ratio was less than 1:1. The Company would have had to generate additional earnings of $22.0 million to achieve a ratio of 1:1 in 2010.

 

For purposes of computing these consolidated ratios, earnings represent income before income taxes plus fixed charges and amortization of capitalized interest, less interest capitalized. Fixed charges consist of interest expensed and capitalized, amortization of debt issuance costs, and the Company’s estimate of the interest component of rental expense. The term “preferred stock dividends” is the amount of pre-tax earnings that is required to pay dividends on the Company’s outstanding preferred stock. As of the dates presented above, the Company had noncumulative perpetual preferred stock issued and outstanding amounting to $176.0 million, as follows: (i) Series A amounting to $33.5 million or 1,340,000 shares at a $25 liquidation value; (ii) Series B amounting to $34.5 million or 1,380,000 shares at a $25 liquidation value; (iii) Series C amounting to $84.0 million or 84,000 shares at a $1,000 liquidation value; and (iv) Series D amounting to $24.0 million or 960,000 shares at a $25 liquidation value.

32

 

 

       

ITEM 7.        MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS  

MANAGEMENT’S DISCUSSION AND ANALYSIS

OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

FOR THE YEAR ENDED DECEMBER 31, 2013

 

CRITICAL ACCOUNTING POLICIES AND ESTIMATES

The accounting and reporting policies followed by the Company conform with generally accepted accounting principles (“GAAP”) in the United States of America and general practices within the financial services industry. The Company’s significant accounting policies are described in detail in Note 1 to the audited consolidated financial statements and should be read in conjunction with this section.

Critical accounting policies require management to make estimates and assumptions, which involve significant judgment about the effect of matters that are inherently uncertain and that involve a high degree of subjectivity. These estimates are made under facts and circumstances at a point in time and changes in those facts and circumstances could produce actual results that differ from those estimates. The following MD&A section is a summary of what management considers the Company’s critical accounting policies.

Business Combinations

The Company accounted for the BBVAPR Acquisition and the FDIC-assisted acquisition of Eurobank under the accounting guidance of ASC Topic No. 805, Business Combinations, which requires the use of the purchase method of accounting. All identifiable assets and liabilities acquired were initially recorded at fair value. No allowance for loan losses related to the acquired loans was recorded on the acquisition date. Loans acquired were recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820, exclusive of the shared-loss agreements with the FDIC applicable to the FDIC-assisted acquisition. These fair value estimates associated with the loans included estimates related to expected prepayments and the amount and timing of expected principal, interest and other cash flows. Because the FDIC has agreed to reimburse the Company for losses related to the acquired loans in the FDIC-assisted acquisition, subject to certain provisions specified in the agreements, an indemnification asset was recorded at fair value at the acquisition date. The indemnification asset was recognized at the same time as the loans covered under FDIC shared-loss agreements, and is measured on the same basis, subject to collectability or contractual limitations. The loss share indemnification asset on the acquisition date reflected the reimbursements expected to be received from the FDIC, using an appropriate discount rate, which reflected counterparty credit risk and other uncertainties. The initial valuation of these loans and related indemnification asset required management to make subjective judgments concerning estimates about how the acquired loans would perform in the future using valuation methods, including discounted cash flow analyses and independent third-party appraisals. Factors that may significantly affect the initial valuation include, among others, market-based and industry data related to expected changes in interest rates, assumptions related to probability and severity of credit losses, estimated timing of credit losses including the timing of foreclosure and liquidation of collateral, expected prepayment rates, the specific terms and provisions of any shared-loss agreements, and specific industry and market conditions that may impact independent third-party appraisals. The Company applied the guidance of ASC Subtopic 310-30 – “Loans and Debt Securities Acquired with Deteriorated Credit Quality” (“ASC 310-30”) to most of the loans acquired in the FDIC-assisted acquisition (including applying  ASC 310-30 by analogy to loans that do not meet the scope of ASC 310-30 but meet certain other criteria as outlined below), except for credit cards. Also, the Company applied the guidance of ASC 310-30 to most of the loans from the BBVAPR Acquisition, except for credit cards, retail and commercial lines of credits, floor plans and performing auto loans with Fair Isaac Corporation (“FICO”) scores over 660 which were acquired at a premium.

ASC 310-30 provides two specific criteria that have to be met in order for a loan to be within its scope: (1) credit deterioration on the loan from its inception until the acquisition date and (2) that it is probable that not all of the contractual cash flows will be collected on the loan. Once in the scope of ASC 310-30, the credit portion of the fair value discount on an acquired loan cannot be accreted into income until the acquirer has assessed that it expects to receive more cash flows on the loan than initially anticipated. Acquired loans that meet the definition of nonaccrual status fall within the Company’s definition of impaired loans under ASC 310-30. Performing loans would generally not meet either criteria and, therefore , not fall within the scope of ASC 310-30. Many of the acquired loans that did not meet the Company’s definition of non-accrual status also resulted in the recognition of a discount attributable to credit quality.

33

 

 

       

The Company elected to analogize to ASC 310-30 and only accrete the portion of the fair value discount unrelated to credit pursuant to the provisions of the AICPA letter dated December 18, 2009, where the AICPA summarized the SEC Staff’s view regarding the accounting in subsequent periods for discount accretion associated with loan receivables acquired in a business combination or asset purchase. The Company adopted an accounting policy coincident with the Eurobank acquisition to consistently apply by analogy the expected cash flow approach under 310-30 to acquired loan portfolios. ASC 310-30 allows the grouping of loans with common risk characteristics for purposes of accounting of the purchased assets and accretable yield. The criteria followed for the pooling of loans with common risk characteristics was based on the line of business, default risk, collateral type, and size. Loans with expected cash flows over certain amount were placed in single loan pools.

Allowance for Loan and Lease Losses for Non-covered Loans and Leases

During the third quarter of 2013, management changed the methodology of the general reserve calculation for originated and other loans and for loans acquired and accounted for under ASC 310-20 in order to adapt the calculation to the new Company structure after the BBVAPR Acquisition, and better capture the risk characteristics of the different portfolio segments. Principal changes are concentrated in the commercial, consumer and auto and leasing portfolios. Commercial loan portfolio was further segmented by business line (corporate, institutional, middle market, commercial retail, floor plan, and real estate), by collateral type (secured by real estate and other commercial and industrial), and by risk rating/classification (pass, special mention, substandard, doubtful, and individually measured for impairment). The loss factor used for the general reserve of these loans is established considering the Bank's past twelve-month historical loss experience and the consideration of environmental factors. Environmental factors considered are: change in non-performing loans; migration in classification; trends in charge offs; trends in volume of loans; changes in collateral values; changes in risk selections and underwriting standards, and other changes in lending policies, procedures and practices; experience, ability and depth of lending management and other relevant staff, including the Company’s loan review system; national and local economic trends and industry conditions; and effect of external factors such as competition and regulatory requirements on the level of estimated credit losses. The sum of the loss experience factors and the environmental factors will be the GVA factor to be used for the determination of the allowance for loan and lease losses on each category. Consumer consists of smaller retail loans such as retail credit cards, overdrafts, unsecured personal lines of credit, and personal unsecured loans.  The allowance factor of consumer loans, consisting of the historical loss factors and the environmental risk factors will be calculated for each group of loans by delinquency bucket. Auto and leasing factor on these loans is impacted by the historical losses, the environmental risk factors and by delinquency buckets.  For the determination of the allowance factor, the auto and leasing portfolio will be segmented by FICO score at origination.  

 

Originated and Other Loans and Leases Held for Investment and Acquired Loans Accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium)

 

The Company determined the allowance for loan and lease losses by portfolio segment, which consist of mortgage loans, commercial loans, consumer loans and auto and leasing, as follows:

 

Mortgage loans: These loans are divided into four classes: traditional mortgages, non-traditional mortgages, loans in loan modification programs and home equity secured personal loans. Traditional mortgage loans include loans secured by a dwelling, fixed coupons and regular amortization schedules. Non-traditional mortgages include loans with interest-first amortization schedules and loans with balloon considerations as part of their terms. Mortgages in loan modification programs are loans that are being serviced under such programs. Home equity loans are mainly equity lines of credit. The allowance factor on these loans is impacted by the historical loss factors on the sub-segments, vintages, the environmental risk factors described above and by delinquency buckets.  The traditional mortgage loan portfolio is further segregated by vintages.

 

Commercial loans:  The commercial portfolio is segmented by collateral type (secured by real estate and other commercial and industrial assets). During the third quarter of 2013, the commercial portfolio was further segmented by business line (corporate, institutional, middle market, corporate retail, floor plan, and real estate). The loss factor used for the general valuation reserve (“GVA”) of these loans is established considering the Bank's past twelve-month historical loss experience of each segment and the consideration of environmental factors. The sum of the loss experience factors and the environmental factors is the GVA factor  used for the determination of the allowance for loan and lease losses on each category.

 

Consumer loans: The consumer portfolio consists of smaller retail loans such as retail credit cards, overdrafts, unsecured personal lines of credit, and personal unsecured loans. The allowance factor, consisting of the historical loss factors and the environmental risk factors will be calculated for each sub-class of loans by delinquency bucket.

34

 

 

       

 

Auto and Leasing: The financing for the purchase of new or used motor vehicles for private or public use. These loans are granted mainly through dealers authorized and approved by the auto department credit committee of the Bank. In addition, this segment includes personal loans guaranteed by vehicles in the form of lease financing. The allowance factor on auto and leasing portfolio is impacted by the historical losses, the environmental risk factors and by delinquency buckets. For the determination of the allowance factor, the portfolio is segmented by FICO score at origination. 

  

The Company establishes its allowance for loan losses through a provision for credit losses based on our evaluation of the credit quality of the loan portfolio. This evaluation, which includes a review of loans on which full collectability may not be reasonably assured, considers, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, and other factors that warrant recognition in determining our allowance for loan losses. The Company continues to monitor and modify the level of the allowance for loan losses to ensure it is adequate to cover losses inherent in our loan portfolio.

 

Our allowance for loan losses consists of the following elements: (i) specific valuation allowances based on probable losses on specifically identified impaired loans; and (ii) valuation allowances based on net historical loan loss experience for similar loans with similar inherent risk characteristics and performance trends, adjusted, as appropriate, for qualitative risk factors specific to respective loan types.

 

When current information and events indicate that it is probable that we will be unable to collect all amounts of principal and interest due under the original terms of a business or commercial real estate loan greater than $250 thousand, such loan will be classified as impaired. Additionally, all loans modified in a TDR are considered impaired. The need for specific valuation allowances are determined for impaired loans and recorded as necessary. For impaired loans, we consider the fair value of the underlying collateral, less estimated costs to sell, if the loan is collateral dependent, or we use the present value of estimated future cash flows in determining the estimates of impairment and any related allowance for loan losses for these loans. Confirmed losses are charged off immediately. Prior to a loan becoming impaired, we typically would obtain an appraisal through our internal loan grading process to use as the basis for the fair value of the underlying collateral.

 

Loan loss ratios and credit risk categories are updated at least quarterly and are applied in the context of GAAP as prescribed by ASC and the importance of depository institutions having prudent, conservative, but not excessive loan allowances that fall within an acceptable range of estimated losses. While management uses current available information in estimating possible loan and lease losses, factors beyond the Company’s control, such as those affecting general economic conditions, may require future changes to the allowance.

 

Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

 

For our acquired loans accounted for under ASC 310-30, our allowance for loan losses is estimated based upon our expected cash flows for these loans. To the extent that we experience a deterioration in borrower credit quality resulting in a decrease in our expected cash flows (which are used as a proxy to identify probable incurred losses) subsequent to the acquisition of the loans, an allowance for loan losses is established based on our estimate of future credit losses over the remaining life of the loans.

 

Acquired loans accounted for under ASC Subtopic 310-30 are not considered non-performing and continue to have an accretable yield as long as there is a reasonable expectation about the timing and amount of cash flows expected to be collected. Also, loans charged-off against the non-accretable difference established in purchase accounting are not reported as charge-offs. Charge-offs on loans accounted under ASC Subtopic 310-30 are recorded only to the extent that losses exceed the non-accretable difference established with purchase accounting.

 

Allowance for Loan and Lease Losses for Covered Loans and Leases

 

Covered loans are accounted for under ASC Subtopic 310-30 and our policy is consistent with our policy for non-covered acquired loans. For covered loans, the portion of the loss on covered loans reimbursable from the FDIC is recorded as an offset to the provision for credit losses and increases the FDIC shared-loss indemnification asset.

 

35

 

 

       

 

Financial Instruments

 

Certain financial instruments, including derivatives, trading securities and investment securities available-for-sale, are recorded at fair value and unrealized gains and losses are recorded in other comprehensive income or as part of non-interest income, as appropriate. Fair values are based on listed market prices, if available. If listed market prices are not available, fair value is determined based on other relevant factors, including price quotations for similar instruments. The fair values of certain derivative contracts are derived from pricing models that consider current market and contractual prices for the underlying financial instruments as well as time value and yield curve or volatility factors underlying the positions.

 

The Company determines the fair value of its financial instruments based on the fair value measurement framework, which establishes a fair value hierarchy that prioritizes the inputs of valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are described below:

 

Level 1 — Level 1 assets and liabilities include equity securities that are traded in an active exchange market, as well as certain U.S. Treasury and other U.S. government agency securities that are traded by dealers or brokers in active markets. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.

 

Level 2 — Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include (i) mortgage-backed securities for which the fair value is estimated based on valuations obtained from third-party pricing services for identical or comparable assets, (ii) debt securities with quoted prices that are traded less frequently than exchange-traded instruments and (iii) derivative contracts and financial liabilities whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data.

 

Level 3 — Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models for which the determination of fair value requires significant management judgment or estimation.

 

36

 

 

       

 

OVERVIEW OF FINANCIAL PERFORMANCE

 

The following discussion of the Company’s financial condition and results of operations should be read in conjunction with the foregoing “Selected Financial Data” and the Company’s consolidated financial statements and related notes. This discussion and analysis contains forward-looking statements. Please see “Forward-Looking Statements” and “Risk Factors” for discussion of the uncertainties, risks and assumptions associated with these statements.

 

The Company is a publicly-owned financial holding company that provides a full range of banking and financial services through its subsidiaries. It provides comprehensive banking and financial services through a complete range of banking and financial solutions, including mortgage, commercial and consumer lending; checking and savings accounts; financial planning, insurance, financial service, and investment brokerage; and corporate and individual trust and retirement services. The Company operates through three major business segments: Banking, Financial Services, and Treasury, and distinguishes itself based on quality service and marketing efforts focused on mid and high net worth individuals and families, including professionals and owners of small and mid-sized businesses, primarily in Puerto Rico. The Company has 55 branches in Puerto Rico and a subsidiary in Boca Raton, Florida. The Company’s long-term goal is to strengthen its banking and financial services franchise by expanding its lending businesses, increasing the level of integration in the marketing and delivery of banking and financial services, maintaining effective asset-liability management, growing non-interest revenue from banking and financial services, and improving operating efficiencies.

 

The Company’s diversified mix of businesses and products generates both the interest income traditionally associated with a banking institution and non-interest income traditionally associated with a financial services institution (generated by such businesses as securities brokerage, fiduciary services, investment banking, insurance agency, and retirement plan administration). Although all of these businesses, to varying degrees, are affected by interest rate and financial market fluctuations and other external factors, the Company’s commitment is to continue producing a balanced and growing revenue stream.

 

In December 18, 2012, the Company completed the BBVAPR Acquisition. By acquiring the BBVAPR companies, we accelerated our long-standing goal of creating a more stable balance sheet, with a larger and more diversified loan portfolio, a greater retail deposit funding base, and a smaller investment securities portfolio, thereby improving earnings stability.

 

During 2013, we focused on two main initiatives: continuing to grow our banking operations, and successfully completing the integration of the BBVAPR Acquisition before the end of the year.  Operating revenue for 2013 increased 132.7%, or $243.6 million, to $427.2 million when compared to the same period in 2012.

 

The table below presents the Company’s operating revenue for 2013, 2012, and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

  

  

  

OPERATING REVENUE

  

  

  

  

  

  

  

  

    Net interest income

$

 409,672 

  

$

 157,290 

  

$

 140,933 

    Non-interest income

  

 17,513 

  

  

 26,279 

  

  

 32,455 

        Total operating revenue

$

 427,185 

  

$

 183,569 

  

$

 173,388 

 

Interest Income

 

Total interest income for 2013 increased 89.3% to $493.6 million, as compared to 2012. This was a result of an increase in interest income from loans of $278.5 million, or 168.4% when compared to 2012. This increase was partially offset by a decrease in interest income from investments of $45.7 million, or 47.9%, compared to 2012.  This result was mostly due to the increase in non-covered loan portfolio with the BBVAPR Acquisition on December 18, 2012.  In addition, the yield on covered loans increased from 19.02% for 2012 to 24.64% for 2013. Interest income from covered loans benefitted from an additional $18.6 million due to higher recoveries than previously expected. This increase in yield is the result of higher projected cash flows on certain pools of covered loans, as credit losses have been lower than initially estimated for these loan pools. The covered portfolio is beginning to have cost recoveries on pools with lower carrying amounts, and these recoveries have the effect of increasing net interest income. The accretable yield amounted to $163.0 million at December 31, 2013 compared to $188.0 million at December 31, 2012. 

 

37

 

 

       

Interest income from investments reflects a 47.9% decrease for 2013, as compared to 2012, primarily related to the lower balance in the investment securities portfolio due to the sale of investments securities as part of the deleverage executed during the third and fourth quarters of 2012 in connection with the BBVAPR Acquisition.

 

Interest Expense

 

Total interest expense for 2013 decreased 18.9% to $84.0 million, as compared to 2012. This reflects the lower cost of deposits (0.73% vs. 1.24%) for 2013 as compared to 2012, partially offset by higher costs of securities sold under agreements to repurchase (2.16% vs. 2.09%). Such lower cost reflects continuing progress in the repricing of the Company’s core retail deposits. This decrease in expense is also affected by the reduction in the repurchase agreements as a result of the deleverage executed during the third and fourth quarters of 2012 in connection with the BBVAPR Acquisition.

 

Net Interest Income

 

Net interest income for  2013 was $409.7 million, an increase of 160.5% when compared with 2012, as OFG transformed its revenue profile, with investment securities producing only 10.1% of interest income in 2013 versus 36.6% in 2012.

 

Net interest margin of 5.46% for 2013, increased 279 basis points when compared to 2012.

 

Provision for Loan and Lease Losses

 

Provision for non-covered loans losses for 2013 increased $53.7 million when compared to 2012. The increase during the year is mostly due to the net impact of $21.0 million in additional provision for loan and lease losses due to reclassification to held-for-sale of non-performing residential mortgage loans with a book value of $55.2 million, which were sold later during the year, and the increase in loan average balances in 2013. Provision for covered loans losses for 2013 decreased $4.5 million when compared to 2012 mainly driven by required provisions during 2012 for construction and development and commercial real estate loan pools that underperformed or whose workout periods extended from original estimates.

 

Non-Interest Income

 

During 2013, core banking and financial services revenues increased 74.6% to $85.3 million as compared to 2012, primarily reflecting a $30.9 million increase in banking services revenue to $44.7 million for 2013, due to more products and services and a larger customer base.

 

The FDIC shared-loss expense of $69.3 million for 2013 compared to $28.0 million for 2012, resulted from the ongoing evaluation of expected cash flows of the covered loan portfolio, which resulted in reduced projected losses expected to be collected from the FDIC and the improved accretable yield on the covered loans. During 2013, the net amortization included $16.6 million of additional amortization of the FDIC indemnification asset from stepped up cost recoveries on certain construction and leasing loan pools. 

 

There was no gain or loss on the sale of securities in 2013 as compared to gains of $74.2 million in 2012. Losses from derivative activities were only $220 thousand in 2013, compared to losses of $43.0 million in 2012. Gain on extinguishment of debt of $1.1 million in 2013, compared to losses of $26.1 million in 2012. The 2012 results reflect $12.9 million in net costs for deleveraging the balance sheet.

 

Non-Interest Expense

 

Non-interest expense increased to $264.6 million for 2013 compared to $132.0 million in 2012, due to the Company’s expanded operations as a result of the BBVAPR Acquisition, including merger and restructuring costs of $17.5 million for 2013. The 2013 results reflect the integration of BBVAPR, with the successful conversion of technology platforms and consolidation of other resources.

Also, the 2013 reflects a $5.3 million impact of the new 1.0% tax on gross revenues, recently enacted as part of certain amendments to the Puerto Rico tax code.

 

The efficiency ratio for 2013 was 53.45%  compared to 64.05% for 2012.

 

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Income Tax Expense

 

Income tax benefit of $8.7 million for 2013 compared to an income tax expense of $3.3 million for 2012. The income tax benefit of $8.7 million for 2013 was due to the recent amendments to the Puerto Rico tax code that resulted in a $38.1 million benefit from an increase in the Company’s deferred tax asset as a result of the increase in the corporate income tax rate to 39% from 30% partially offset by the Company’s resulting higher effective rate of 33%. 

 

Income Available to Common Shareholders

 

For 2013, the Company’s income available to common shareholders amounted to $84.6 million compared to $14.6 million for 2012. Income per basic common share and fully diluted common share were $1.85 and $1.73, respectively, for 2013, compared to income per basic and fully diluted common share of $0.35 for 2012. 

 

Interest Earning Assets

 

The loan portfolio declined to $5.019 billion at December 31, 2013 compared to $5.158 billion at December 31, 2012 primarily due to the early pay down of some commercial loans and the sale in 2013 of non-performing residential mortgage loans with a book value of $55.2 million. The investment portfolio of $1.615 billion at December 31, 2013 decreased 27.7% compared to $2.233 billion at December 31, 2012. The decrease in the investments portfolio is mainly due to redemptions and maturities of investment securities available for sale.

 

Interest Bearing Liabilities

 

Total deposits decreased to $5.383 billion at December 31, 2013, compared to $5.691 billion at December 31, 2012. Non-maturing deposit balances increased 4.9%, to $3.2 billion, while higher-priced time deposits declined 21.4% as part of efforts to reduce the cost of deposits, which averaged 0.73% in 2013 compared to 1.24% in 2012. Securities sold under agreements to repurchase decreased 25.2%, or $427.6 million, as the Company used available cash to pay off $427.9 million of repurchase agreements at maturity. During 2013, the Company settled, prior to maturity, a former BBVAPR subordinated note of $50 million.

 

Stockholders’ Equity

 

Stockholders’ equity at December 31, 2013 was $884.9 million compared to $863.6 million at December 31, 2012, an increase of 2.5%. This increase reflects the net income for 2013, partially offset by the change in other comprehensive income.

 

Book value per share was $15.74 at December 31, 2013 compared to $15.31 at December 31, 2012.

 

The Company maintains capital ratios in excess of regulatory requirements. At December 31, 2013, Tier 1 Leverage Capital Ratio was 9.11%, Tier 1 Risk-Based Capital Ratio was 14.35%, and Total Risk-Based Capital Ratio was 16.14%.

 

Return on Average Assets and Common Equity

 

Return on average common equity (“ROE”) for 2013 was 12.03% compared to 2.29% for 2012. Return on average assets (“ROA”) for 2013 was 1.15% compared to 0.37% for 2012. The increases in ROE and ROA are mostly due to 300.9% increase in net income from $24.6 million in 2012 to $98.4 million in 2013.

 

Assets under Management

 

At December 31, 2013, total assets managed by the Company’s trust division and CPC increased 11.24% to $2.797 billion, compared to $2.514 billion at December 31, 2012. At December 31, 2013, total assets managed by the securities-broker-dealer subsidiary from its customer investment accounts decreased 8.4% to $2.493 billion, compared to $2.722 billion at December 31, 2012. Changes in trust and broker-dealer related assets primarily reflect a reduction in portfolio and differences in market values.

 

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Lending

 

Total loan production of $1.484 billion for 2013 increased 222.1% year over year. Total commercial loan production of $700.8 million for 2013, increased 266.9% from 2012. These increases are directly related to the BBVAPR Acquisition as the Company continues building a strong institutional pipeline.

 

Mortgage loan production of $306.6 million for 2013 increased 51.2% from 2012. The Company sells most of its conforming mortgage loans in the secondary market and retains the servicing rights. The increase in mortgage loan production is the result of the integration the mortgage operations of BBVAPR into Oriental Bank. 

 

Consumer loan production for 2013 totaled $101.4 million, up 218.7% when compared with 2012. The increase in consumer lending is the result of the benefits of a larger branch network and origination platform following the BBVAPR Acquisition.

 

Auto and leasing production for 2013 totaled $375.2 million, up from $35.2 million in 2012. The increase is mainly attributed to the significant auto loan business newly acquired by the Company in the BBVAPR Acquisition. 

 

While the loan portfolio remains greater than it was a year ago and loan production for 2013 has increased considerably from 2012, total loan portfolio  declined by $138.2 million from $5.158 billion at December 31, 2012 to $5.019 billion at December 31, 2013, mostly as the result of scheduled pay downs and maturities in both the non-covered and covered loan portfolios, scheduled pay downs of Puerto Rico government obligations of approximately $168.0 million, and the sale of residential non-performing loans to held-for-sale.

  

Credit Quality on Non-Covered Loans

 

Net credit losses, excluding acquired loans, increased from $10.9 million to $46.4 million during 2013, representing 2.69% of average non-covered loans outstanding versus 0.93% in 2012. The credit losses for 2013 include a $27 million charge-off from nonperforming mortgage loans transferred into the loan held-for-sale category which were later sold during the year. The allowance for loan and lease losses on non-covered loans increased to $54.3 million. The allowances for loan and leases, excluding acquired loans, increased to $49.1 million (2.04% of total non-covered loans, excluding acquired loans) at December 31, 2013, compared to $39.9 million (3.22% of total non-covered loans, excluding acquired loans) at December 31, 2012. The increase reflects higher loan balances, particularly in the auto and consumer portfolios, partially offset by the reduction in residential non-performing loans from the aforementioned sale of these assets during the year.

 

Non-performing loans (“NPLs”), which exclude loans covered under shared-loss agreements with the FDIC and loans acquired in the BBVAPR Acquisition accounted under ASC 310-30, decreased to $86.2 million at December 31, 2013 compared to $146.6 million at December 31, 2012 primarily due to the reclassification of certain non-performing residential mortgage loans with a net book value of $55.2 million, to the loan held-for-sale category which most of them were later sold during the year.

 

Non-GAAP Measures

 

The Company uses certain non-GAAP measures of financial performance to supplement the consolidated financial statements presented in accordance with GAAP.  The Company presents non-GAAP measures that management believes are useful and meaningful to investors. Non-GAAP measures do not have any standardized meaning, are not required to be uniformly applied, and are not audited.  Therefore, they are unlikely to be comparable to similar measures presented by other companies. The presentation of non-GAAP measures is not intended to be a substitute for, and should not be considered in isolation from, the financial measures reported in accordance with GAAP.

 

The Company’s management has reported and discussed the results of operations herein both on a GAAP basis and on a pre-tax pre-provision operating income basis (defined as net interest income, plus banking and financial services revenue, less non-interest expenses, as calculated on the table below). The Company’s management believes that, given the nature of the items excluded from the definition of pre-tax pre-provision operating income, it is useful to state what the results of operations would have been without them so that investors can see the financial trends from the Company’s continuing business.

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Net Interest Income

 

Comparison of the years ended December 31, 2013 and 2012

 

Net interest income is a function of the difference between rates earned on the Company’s interest-earning assets and rates paid on its interest-bearing liabilities (interest rate spread) and the relative amounts of its interest earning assets and interest-bearing liabilities (interest rate margin). The Company constantly monitors the composition and re-pricing of its assets and liabilities to maintain its net interest income at adequate levels. Table 1 above shows the major categories of interest-earning assets and interest-bearing liabilities, their respective interest income, expenses, yields and costs, and their impact on net interest income due to changes in volume and rates for 2013 and 2012.

 

Net interest income amounted to $409.7 million for 2013, a 160.05% increase from $157.3 million for 2012. These changes reflect a decrease of 18.9% in interest expense and an increase of 168.4% in interest income from loans, partially offset by a 47.9% decrease in interest income from investments when comparing the years 2013 and 2012.

 

Interest rate spread for 2013 increased 287 basis points to 5.46% from 2.59% in 2012. This increase is mainly due to the net effect of a 71 basis point decrease in the average cost of funds from 1.83% to 1.12%, and a 216 basis point increase in the average yield of interest-earning assets from 4.42% to 6.58%.

 

The increase in interest income for the year was primarily the result of an increase of  $174.0 million in interest-earning assets volume variance, and a $58.8 million increase in interest rate variance. Interest income from loans increased 168.4% to $443.9 million for 2013, mainly due to the loan portfolio acquired as part of the BBVAPR Acquisition. This was mitigated by the fact that interest income on investments decreased 47.9% to $49.7 million in 2013, compared to 2012, reflecting a lower balance in the investment securities portfolio due to the sale of investments securities as part of the deleverage executed during the third and fourth quarters of 2012 in connection with the BBVAPR Acquisition.

 

Interest expense decreased 18.9% to $84.0 million for 2013. The decrease was primarily the result of  a $33.0 million decrease in interest rate variance, partially offset by a $13.4 million increase in interest-bearing liabilities volume variance. The decrease in interest rate variance is due to a reduction in the cost of funds and the increase in the volume variance is due to the increase in the balance of deposits, which reflected a decrease in cost of funds of 71 basis points to 1.12% for 2013, compared to 2012.  The cost of deposits decreased 51 basis points to 0.73% for 2013, compared to 1.24% for 2012, primarily due to continuing progress in repricing core deposits and to the maturity of higher cost brokered deposits and time deposits during 2013. The cost of borrowings increased  2 basis points to 2.28% in 2013, compared to 2.26% for 2012. 

 

For 2013, the average balance of total interest-earning assets was $7.500 billion, an increase of 27.1% compared to 2012. The increase in average balance of interest-earning assets was mainly attributable to an increase of 181.6% in average loans for 2013, resulting from the acquisition of the BBVAPR loan portfolio, mitigated by a reduction of 41.1% in the average investments for 2013 as a result of the aforementioned sale of investments as part of the deleverage plan in connection with the BBVAPR Acquisition. For 2013, the average yield on interest-earning assets was 6.58% compared to 4.42% for 2012. This was mainly due to the increase in average balance and higher average yields in the non-covered loan portfolio, which their average yield increased to 7.46% for 2013 from  5.88% for 2012.

 

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Comparison of the years ended December 31, 2012 and 2011

 

Table 1/A above shows the major categories of interest-earning assets and interest-bearing liabilities, their respective interest income, expenses, yields and costs, and their impact on net interest income due to changes in volume and rates for 2012 and 2011.

 

Net interest income amounted to $157.3 million for 2012, an 11.6% increase from $140.9 million in 2011. These changes reflect a decrease of 33.8% in interest expense and an increase of 21.4% in interest income from loans, partially offset by a 40.8% decrease in interest income from investments for 2012 compared to 2011.

 

Interest rate spread for 2012 increased 48 basis points from 2.13% in 2011 to 2.59% in 2012. This increase is mainly due to the net effect of a 65 basis points decrease in the average cost of funds from 2.48% to 1.83%, and a 19 basis points decrease in the average yield of interest-earning assets from 4.61% to 4.42%.

 

The decrease in interest income was primarily the result of a decrease of $23.9 million in interest-earning assets volume variance, and a $12.6 million decrease in interest rate variance.  Interest income on investments decreased 40.8% to $95.4 million in 2012, compared to 2011, reflecting a lower balance in the investment securities portfolio, a lower yield on investment securities and an increase in premium amortization due to increased prepayment speeds.  Interest income from loans increased 21.4% to $165.4 million for 2012.  In 2012, interest income from covered loans increased 26.2% to $85.4 million, compared to 2011, mainly due to the re-yielding of various pools of covered loans during the second half of 2011.

 

Interest expense decreased 33.8% to $103.5 million for 2012. This decrease was primarily the result of a $34.9 million decrease in interest rate variance, and a $18.0 million decrease in interest-bearing liabilities volume variance. These decreases are due to a reduction in the balance of interest bearing liabilities and the cost of funds.  Interest-bearing liabilities interest rate spread decreased 65 basis points to 1.83% for 2012, compared to 2011. The cost of deposits decreased 60 basis points to 1.24% for 2012, compared to 1.84% for 2011, primarily due to continuing progress in repricing core deposits and to the maturity of higher cost wholesale deposits during the period. The cost of borrowings decreased by 63 basis points to 2.26% in 2012, compared to 2.89% for 2011. The decrease in the cost of borrowings is attributable to the fact that in December 2011, as previously reported, $600 million in repurchase agreements, with an average cost of 4.23%, matured. The Company paid off $300 million of these repurchase agreements, and the remaining balance of $300 million was renewed for an average period of approximately three and a half years at an effective fixed rate of 2.36%. To further reduce cost of borrowings, in May 2012, the Company renewed $350 million in repurchase agreements, with an average cost of 4.26%, at a new effective rate of approximately 1.90%.  In addition, during the second half of 2012, the Company terminated repurchase agreements amounting to $1.357 billion with an average cost of 1.31%. Also, interest bearing liabilities decreased due to the repayment in March 2012 of the TLGP notes at maturity.

 

For 2012, the average balance of total interest-earning assets was $5.899 billion, a decrease of  8.5% from 2011. The decrease in average balance of interest-earning assets was mainly attributable to a 13.3% decrease for 2012, in average investments, in addition to a 4.3% decrease in average loans compared to 2011 resulting from normal pay downs of covered loans and to the re-yielding of various pools of covered loans mainly during the second half of 2011.  The decrease in the investment portfolio reflects a reduction in the available-for-sale portfolio, due to the sale of approximately $1.403 billion in investment securities during 2012 as part of the deleverage plan in connection with the BBVAPR Acquisition.  As of December 31, 2012, the Company had $868.7 million in cash and cash equivalents and $80.0 million in securities purchased under agreements to resell, compared to $591.5 million in cash and cash equivalents and no securities purchased under agreements to resell as of December 31, 2011.

 

For 2012, the average yield on interest-earning assets was 4.42% compared to 4.61% for 2011. This was mainly due to a decrease in the investment portfolio yield from 3.42% to 2.33% for 2012.  However, such decrease was partially offset by the higher average yields in the loan portfolio, mainly due to the covered loans that had an average yield of 19.02% for 2012, compared to 12.13% for 2011.

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During  2013, the Company’s pre-tax pre-provision operating income was approximately $248.1 million, an increase of 213.6% from $79.1 million in the same period of last year. Pre-tax pre-provision operating income is calculated as follows:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

  

  

  

PRE-TAX PRE-PROVISION OPERATING INCOME

  

  

  

  

  

  

  

  

    Net interest income

$

 409,672 

  

$

 157,290 

  

$

 140,933 

    Core non-interest income:

  

  

  

  

  

  

  

  

        Financial service revenue

  

 30,924 

  

  

 25,350 

  

  

 20,571 

        Banking service revenue

  

 44,656 

  

  

 13,796 

  

  

 12,663 

        Mortgage banking activities

  

 9,689 

  

  

 9,705 

  

  

 9,876 

            Total core non-interest income

  

 85,269 

  

  

 48,851 

  

  

 43,110 

        Non-interest expenses

  

 264,554 

  

  

 132,032 

  

  

 124,259 

        Less merger and restructuring charges

  

 (17,660) 

  

  

 (4,990) 

  

  

 - 

  

  

 246,894 

  

  

 127,042 

  

  

 124,259 

                Total pre-tax pre-provision operating income

$

 248,047 

  

$

 79,099 

  

$

 59,784 

 

Tangible common equity consists of common equity less goodwill, core deposit intangibles and customer relationship intangible. Tier 1 common equity consists of common equity less goodwill, core deposit intangibles, net unrealized gains on available for sale securities, net unrealized losses on cash flow hedges, and disallowed deferred tax asset and servicing assets.  Ratios of tangible common equity to total assets, tangible common equity to risk-weighted assets, total equity to risk-weighted assets and Tier 1 common equity to risk-weighted assets are non-GAAP measures.

 

At December 31, 2013, tangible common equity to total assets and tangible common equity to risk-weighted assets increased to 7.63% and 12.10%, respectively, from 6.49% and 11.75% at December 31, 2012.  Total equity to risk-weighted assets and Tier 1 common equity to risk-weighted assets at December 30, 2013 increased to 17.23% and 10.44%, respectively, from 16.45% and 8.76% at December 31, 2012.

 

Ratios calculated based upon Tier 1 common equity have become a focus of regulators and investors, and management believes ratios based on Tier 1 common equity assist investors in analyzing the Company’s capital position.  Furthermore, management and many stock analysts use tangible common equity in conjunction with more traditional bank capital ratios to compare the capital adequacy of banking organizations. Neither Tier 1 common equity nor tangible common equity or related measures should be considered in isolation or as a substitute for stockholders’ equity, total assets or any other measure calculated in accordance with GAAP.

 

Comparison of the years ended December 31, 2012 and 2011  

 

Interest Income

 

Total interest income for 2012 decreased 12.3% to $260.8 million, as compared to the same period in 2011. Such decrease primarily reflects a 40.8% decrease on interest income from investments for 2012, primarily related to lower yields and a lower balance in the investment securities portfolio as a result of the sale of $1.510 billion in mortgage-backed securities. Also, there was an increase in premium amortization due to increased prepayment speeds. The yield on investments decreased from 3.42% for 2011 to 2.33% for 2012.

 

The decrease in interest income on investments was mitigated by an increase in interest income from covered loans from $67.7 million for 2011 to $85.4 million in 2012.  The yield on covered loans increased from 12.13% in 2011 to 19.2% in 2012.  This increase in yield is the result of higher projected cash flows on certain pools of covered loans, as credit losses have been lower than initially estimated for these loan pools. The accretable yield amounted to $188.0 million at December 31, 2012 compared to $188.8 million at December 31, 2011.  In addition, interest income from non-covered loans increased from $68.6 million for 2011 to $80.0 million for 2012.

 

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Interest Expense

 

Total interest expense for 2012 decreased 33.8% to $103.5 million as compared to 2011.  This reflects the lower cost of both, securities sold under agreements to repurchase (2.09% vs. 2.74%) and deposits (1.24% vs. 1.84%) for 2012 as compared to 2011, which reflects continuing progress in the repricing of the Company’s core retail deposits and further reductions in its cost of funds.

 

In December 2011, $600 million in repurchase agreements, with an average cost of 4.23%, matured. The Company paid off $300 million of these repurchase agreements. The remaining balance of $300 million was renewed for an average period of approximately 3.5 years at an effective fixed rate of 2.36%. To further reduce its cost of borrowings, in May 2012, the Company renewed $350 million in repurchase agreements, with an average cost of 4.26%, at a new effective rate of approximately 1.90%.  During the second half of 2012, the Company terminated repurchase agreements amounting to $1.357 billion with an average cost of 1.31%.  As a result of the aforementioned transactions, total interest expense on securities sold under agreements to repurchase declined 35.1% in 2012 as compared to 2011.

 

Net Interest Income

 

Net interest income for 2012 was $157.3 million, an increase of 11.6% when compared with 2011.  The increase for 2012 was mostly due to the net effect of a 26.2% increase in interest income from covered loans as a result of higher yields and a 33.8% decrease in interest expense due to lower cost of funds, partially offset by a decrease of 40.8% on interest income from investments, related to lower yields and a lower balance in the investment securities portfolio.

 

Net interest margin of 2.67% for 2012 increased 48 basis points when compared to 2011.

 

Provision for Loan and Lease Losses

 

Provision for non-covered loans and lease losses for 2012 decreased $1.3 million when compared to 2011, reflecting improvement in credit quality.  Provision for covered loans and lease losses for 2012 was $9.8 million, reflecting the Company’s revision to the expected cash flows in the covered loan portfolio considering actual experiences and changes in the Company’s expectations for the remaining terms of the loan pools. During the first quarter of 2012, some covered construction and development and commercial real estate loan pools underperformed, which required a provision amounting to $7.2 million, net of the estimated reimbursement from the FDIC. Additional net provisions of $1.5 million, $221 thousand and $982 thousand were recorded for the second, third and fourth quarters of 2012, respectively, as quarterly reviews of credit assumptions for covered loans  are reflecting some delays in the expected cash flows, mainly in pools of real estate collateralized loans. Significant judgement is made in timing the collection of nonperforming loans that are being actively worked out.

 

Non-Interest Income

 

In 2012, core banking and financial services revenue increased 13.3% to $48.9 million as compared to 2011, primarily reflecting $4.8 million increase in financial services revenue to $25.4 million, attributed to an increase of 26.4% in assets under management.

 

Net amortization of the FDIC shared-loss indemnification asset of $28.0 million for 2012 compared to a $3.4 million for 2011 resulted from the ongoing evaluation of expected cash flows of the loan portfolio acquired in the FDIC-assisted acquisition.  As a result of such evaluation, the Company expects a decrease in losses to be collected from the FDIC and the improved re-yielding of the accretable yield on the covered loans.  This reduction in claimable losses amortizes the shared-loss indemnification asset through the life of the shared-loss agreements.  This amortization is net of the accretion of the discount recorded to reflect the expected claimable loss at its net present value.

In 2012, the Company had a gain on the sale of investment securities of $74.2 million, as the Company took advantage of market opportunities and executed a balance sheet deleverage following the BBVAPR Acquisition. The purpose of the deleverage plan was to reduce the Company’s capital needs for the BBVAPR Acquisition; to enhance its returns going forward; and to have a more traditional bank balance sheet after the BBVAPR Acquisition.  As part of this deleverage, in 2012, the Company sold $1.403 billion of investment securities.  At the same time, the Company terminated prior to maturity $1.357 billion of repurchase agreements. In accordance with the terms of the repurchase agreements the Company had to pay cancellation fees amounting to $26.1 million.

 

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Non-Interest Expense

 

Non-interest expense increased to $132.0 million for 2012 compared to $124.3 million in 2011 as a result of approximately $7.1 million in expenses related to the BBVAPR Acquisition.

 

The efficiency ratio for 2012 was 64.05% compared to 67.52% for 2011.

 

Income Tax Expense

 

Income tax expense was $3.3 million for 2012 compared to $866 thousand for 2011.

At December 31, 2012 and 2011, the IBE Subsidiary had $504 thousand and $2.9 million, respectively, in income tax effect of unrecognized gain on available-for-sale securities included in other comprehensive income. Following the change in its applicable tax rate from 5% to 0% as a result of a Puerto Rico law adopted in 2011, this remaining tax balance will flow through income as these securities are repaid or sold in future period. During 2012, income tax expense included $2.4 million related to this residual tax effect from the IBE Subsidiary.  It had no effect during 2011.

 

Income Available to Common Shareholders

 

For 2012, the  Company’s income available to common shareholders amounted to $14.6 million compared to $29.2 million for 2011.  Income per basic common share and fully diluted common share was $0.35 for 2012 compared to income per basic and fully diluted common share of $0.67 for 2011.  Dividends declared on preferred stock for 2012 amounted to $9.9 million as compared to $4.8 million for 2011.

Interest Earning Assets

 

The loan portfolio increased 211.0% to $5.158 billion at December 31, 2012 compared to $1.666 billion at December 31, 2011.  The increase in the loan portfolio is mostly due to the acquisition of BBVAPR’s loan portfolio amounting to $3.574 billion at December 31, 2012. The investment portfolio amounted to $2.233 billion at December 31, 2012, a 42.3% decrease compared to $3.868 billion at December 31, 2011.  The decrease in the investment portfolio reflects a reduction of 25.9%, or $765.6 million, in the available-for-sale portfolio, due to the sale of approximately $1.403 billion in investment securities due to the aforementioned balance sheet deleverage in connection with the BBVAPR Acquisition. The change in portfolio composition resulted in the transfer of all the securities in the held-to-maturity portfolio to the available-for-sale portfolio at a fair value of $797.5 million with net combined unrealized gains of $35.1 million in 2012.    

 

Interest Bearing Liabilities

 

Total deposits amounted to $5.691 billion at December 31, 2012, an increase of 133.4% compared to $2.438 billion at December 31, 2011, as a result of the deposits assumed as part of the BBVAPR Acquisition.  Core deposits, which exclude brokered deposits, increased $2.581 billion, or 118.3%, compared to December 31, 2011, while brokered deposits increased $671.6 million or 261.7% when compared to December 31, 2011.  Non-interest bearing deposits, interest-bearing deposits, individual retirement accounts, retail certificates of deposit and institutional deposits increased $598.9 million, $1.203 billion, $14.4 million, $230.7 and $533.9 million, respectively.

 

Using available cash, in March 2012, the Bank repaid at maturity $105.0 million in senior unsecured notes issued in March 2009 under the FDIC’s Temporary Liquidity Guarantee Program (“TLGP”) with an all-in cost of 3.75%.

 

In December 2011, $600 million in repurchase agreements, with an average cost of 4.23%, matured. The Company paid off $300 million of these repurchase agreements. The remaining balance of $300 million was renewed for an average period of approximately 3.5 years at an effective fixed rate of 2.36%. To further reduce its cost of borrowings, in May 2012, the Company renewed $350 million in repurchase agreements, with an average cost of 4.26%, at a new effective rate of approximately 1.90%.  During the second half of 2012, the Company terminated repurchase agreements amounting to $1.36 billion. Due to the repayment of the TLGP notes and the termination of the repurchase agreements, total borrowings decreased 28.6% to $2.487 billion at December 31, 2012, compared to $3.483 billion at December 31, 2011. This increase was partially offset by borrowings assumed as part of the BBVAPR Acquisition, which amounted to $315.1 million at December 31, 2012.

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Stockholders’ Equity

 

Stockholders’ equity at December 31, 2012 was $863.6 million compared to $695.6 million at December 31, 2011, an increase of 24.2%. This increase is mainly due to the $160 million capital raise from the issuance of preferred stock and common stock during 2012 in connection with the BBVAPR Acquisition.

 

Book value per share was $15.31 at December 31, 2012 compared to $15.28 at December 31, 2011.

 

The Company maintains capital ratios in excess of regulatory requirements. At December 31, 2012, Tier 1 Leverage Capital Ratio was 6.55% (1.64 times the requirement of 4.00%), Tier 1 Risk-Based Capital Ratio was 13.18% (3.29 times the requirement of 4.00%), and Total Risk-Based Capital Ratio was 15.40% (1.89 times the requirement of 8.00%).

 

Return on Average Assets and Common Equity

 

Return on average common equity (“ROE”) for 2012 was 2.29%, down from 4.50% for 2011.  The decrease in ROE is mainly due to the 27.8% decrease in net income combined with a 107.0% increase in dividends on preferred stock during 2012 when compared to 2011.  Return on average assets (“ROA”) for 2012 decreased to 0.37% from 0.48% for the same period in 2011, mainly due to the 27.8% decrease in net income during 2012 when compared to 2011.

 

Assets under Management

 

Assets managed by the Company’s trust division, the retirement plan administration subsidiary (CPC), and broker-dealer subsidiaries increased from $4.142 billion as of December 31, 2011 to $5.237 billion as of December 31, 2012. The trust division offers various types of individual retirement accounts (“IRA”) and manages 401(k) and Keogh retirement plans and custodian and corporate trust accounts, while CPC manages the administration of private retirement plans.  At December 31, 2012, total assets managed by the Company’s trust division and CPC increased to $2.514 billion, compared to $2.216 billion at December 31, 2011, mainly related to account contributions and capital market appreciation. At December 31, 2012, total assets managed by the Company’s broker-dealer subsidiaries from its customer investment accounts increased to $2.722 billion, compared to $1.926 billion at December 31, 2011, mainly because of the addition of $504.8 million in assets managed at December 31, 2012 by the broker-dealer subsidiary acquired as part of the BBVAPR Acquisition.

 

Lending

 

Total loan production of $460.8 million for 2012 increased 16.4% year over year. Total commercial loan production of $191.0 million for 2012 increased 36.7% from the year ago.

 

The Company sells most of its conforming mortgages in the secondary market and retains servicing rights. As a result, mortgage banking activities reflect originations as well as a growing servicing portfolio which is a source of recurring revenue.

 

Mortgage loan production and purchases of $202.7 million for 2012 decreased 4.7% from 2011.  Auto and consumer loans production for 2012 totalled $67.1 million, up 54.6% from 2011.

 

Credit Quality on Non-Covered Loans

 

Net credit losses increased $1.3 million to $10.9 million in 2012, representing 0.89% of average non-covered loans originated, versus 0.82% in 2011.  Our allowance coverage however, remained stable compared to prior year.  The allowance for loan and lease losses on non-covered loans increased to $39.9 million (3.17% of total non-covered originated loans) at December 31, 2012 compared to $37.0 million (3.12% of total non-covered loans) at December 31, 2011.

 

Non-performing loans (“NPLs”), which excludes loans covered under shared-loss agreements with the FDIC and loans acquired from BBVAPR Acquisition accounted under ASC 310-30, remained stable in 2012 compared to 2011.  The Company does not expect NPLs to result in significantly higher losses as most are well-collateralized with adequate loan-to-value ratios.

46

 

 

       

 

TABLE 1 - YEAR-TO-DATE ANALYSIS OF NET INTEREST INCOME AND CHANGES DUE TO VOLUME/RATE

FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest

  

Average rate

  

Average balance

  

December

  

December

  

December

  

December

  

December

  

December

  

2013 

  

2012 

  

2013 

2012 

  

2013 

  

2012 

  

(Dollars in thousands)

A - TAX EQUIVALENT SPREAD

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest-earning assets

$

 493,632 

  

$

 260,808 

  

6.58%

  

4.42%

  

$

 7,499,993 

  

$

 5,898,706 

    Tax equivalent adjustment

  

 41,106 

  

  

 39,315 

  

0.55%

  

0.67%

  

  

 - 

  

  

 - 

Interest-earning assets - tax equivalent

  

 534,738 

  

  

 300,123 

  

7.13%

  

5.09%

  

  

 7,499,993 

  

  

 5,898,706 

    Interest-bearing liabilities

  

 83,960 

  

  

 103,517 

  

1.12%

  

1.83%

  

  

 7,482,019 

  

  

 5,651,253 

Tax equivalent net interest income / spread

  

 450,778 

  

  

 196,606 

  

6.01%

  

3.26%

  

  

 17,974 

  

  

 247,453 

Tax equivalent interest rate margin

  

  

  

  

  

  

6.01%

  

3.33%

  

  

  

  

  

  

B - NORMAL SPREAD

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest-earning assets:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Investments:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Investment securities

  

 48,456 

  

  

 93,728 

  

2.60%

  

2.81%

  

  

 1,862,274 

  

  

 3,330,238 

    Trading securities

  

 117 

  

  

 23 

  

6.56%

  

5.10%

  

  

 1,784 

  

  

 451 

    Money market investments

  

 1,157 

  

  

 1,658 

  

0.21%

  

0.22%

  

  

 540,724 

  

  

 758,950 

        Total investments

  

 49,730 

  

  

 95,409 

  

2.07%

  

2.33%

  

  

 2,404,782 

  

  

 4,089,639 

Loans not covered under shared-loss agreements

    with the FDIC:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Originated

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Mortgage 

  

 43,531 

  

  

 48,202 

  

5.71%

  

5.74%

  

  

 762,403 

  

  

 840,283 

    Commercial 

  

 32,891 

  

  

 16,891 

  

4.95%

  

5.34%

  

  

 663,968 

  

  

 316,329 

    Consumer

  

 8,058 

  

  

 2,840 

  

9.34%

  

7.01%

  

  

 86,250 

  

  

 40,511 

    Auto and leasing

  

 21,181 

  

  

 2,499 

  

9.94%

  

8.25%

  

  

 213,127 

  

  

 30,301 

        Total originated non-covered loans

  

 105,661 

  

  

 70,432 

  

6.12%

  

5.74%

  

  

 1,725,748 

  

  

 1,227,424 

Acquired

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

 42,740 

  

  

 1,767 

  

5.60%

  

5.78%

  

  

 763,195 

  

  

 30,591 

    Commercial 

  

 114,492 

  

  

 3,742 

  

9.38%

  

6.63%

  

  

 1,220,471 

  

  

 56,464 

    Consumer

  

 21,147 

  

  

 1,430 

  

13.13%

  

19.72%

  

  

 161,120 

  

  

 7,250 

    Auto 

  

 68,093 

  

  

 2,652 

  

7.99%

  

6.89%

  

  

 852,165 

  

  

 38,467 

        Total acquired non-covered loans

  

 246,472 

  

  

 9,591 

  

8.22%

  

7.22%

  

  

 2,996,951 

  

  

 132,772 

        Total non-covered loans

  

 352,133 

  

  

 80,023 

  

7.46%

  

5.88%

  

  

 4,722,699 

  

  

 1,360,196 

Loans covered under shared-loss agreements

    with the FDIC:

  

 91,769 

  

  

 85,376 

  

24.64%

  

19.02%

  

  

 372,512 

  

  

 448,871 

            Total loans

  

 443,902 

  

  

 165,399 

  

8.71%

  

9.14%

  

  

 5,095,211 

  

  

 1,809,067 

                Total interest earning assets

  

 493,632 

  

  

 260,808 

  

6.58%

  

4.42%

  

  

 7,499,993 

  

  

 5,898,706 

47

 

 

       

 

  

Interest

  

  

Average rate

  

Average balance

  

December

  

December

  

  

December

December

December

  

December

  

2013 

  

2012 

  

  

2013 

  

2012 

  

2013 

  

2012 

  

(Dollars in thousands)

Interest-bearing liabilities:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Deposits:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Non-interest bearing deposits

  

 - 

  

  

 - 

  

  

0.00%

  

0.00%

  

  

 751,757 

  

  

 207,553 

    NOW accounts

  

 11,151 

  

  

 8,593 

  

  

0.77%

  

0.96%

  

  

 1,452,030 

  

  

 896,538 

    Savings and money market accounts

  

 9,481 

  

  

 2,443 

  

  

1.01%

  

0.94%

  

  

 938,450 

  

  

 259,115 

    Individual retirement accounts

  

 4,832 

  

  

 6,422 

  

  

1.35%

  

1.74%

  

  

 358,605 

  

  

 369,493 

    Retail certificates of deposit

  

 11,203 

  

  

 7,034 

  

  

1.66%

  

2.06%

  

  

 674,241 

  

  

 342,287 

        Total core deposits

  

 36,667 

  

  

 24,492 

  

  

0.88%

  

1.18%

  

  

 4,175,083 

  

  

 2,074,986 

    Institutional deposits

  

 9,983 

  

  

 2,047 

  

  

1.66%

  

1.84%

  

  

 602,769 

  

  

 111,129 

    Brokered deposits

  

 7,068 

  

  

 3,633 

  

  

0.86%

  

1.78%

  

  

 821,112 

  

  

 203,546 

        Total wholesale deposits

  

 17,051 

  

  

 5,680 

  

  

1.20%

  

1.81%

  

  

 1,423,881 

  

  

 314,675 

    Deposits fair value premium amortization

  

(14,400)

  

  

(719)

  

  

0.00%

  

0.00%

  

  

 - 

  

  

 - 

    Core deposit intangible amortization

  

 1,659 

  

  

 196 

  

  

0.00%

  

0.00%

  

  

 - 

  

  

 - 

            Total deposits

  

 40,977 

  

  

 29,649 

  

  

0.73%

  

1.24%

  

  

 5,598,964 

  

  

 2,389,661 

Borrowings:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Securities sold under agreements to repurchase

  

 29,249 

  

  

 60,575 

  

  

2.16%

  

2.09%

  

  

 1,353,011 

  

  

 2,893,345 

    Advances from FHLB and other borrowings

  

 8,620 

  

  

 10,906 

  

  

2.05%

  

3.56%

  

  

 419,880 

  

  

 306,087 

    FDIC-guaranteed term notes

  

 - 

  

  

 909 

  

  

0.00%

  

4.16%

  

  

 - 

  

  

 21,875 

    Subordinated capital notes

  

 5,114 

  

  

 1,479 

  

  

4.64%

  

3.67%

  

  

 110,164 

  

  

 40,285 

        Total borrowings

  

 42,983 

  

  

 73,869 

  

  

2.28%

  

2.26%

  

  

 1,883,055 

  

  

 3,261,592 

            Total interest bearing liabilities

  

 83,960 

  

  

 103,518 

  

  

1.12%

  

1.83%

  

  

 7,482,019 

  

  

 5,651,253 

Net interest income / spread

$

 409,672 

  

$

 157,290 

  

  

5.46%

  

2.59%

  

  

  

  

  

  

Interest rate margin

  

  

  

  

  

  

  

5.46%

  

2.67%

  

  

  

  

  

  

Excess of average interest-earning assets

    over average interest-bearing liabilities

  

  

  

  

  

  

  

  

  

  

  

$

 17,974 

  

$

 247,453 

Average interest-earning assets to average

    interest-bearing liabilities ratio

  

  

  

  

  

  

  

  

  

  

  

  

100.24%

  

  

104.38%

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

C - CHANGES IN NET INTEREST INCOME DUE TO:

  

  

  

  

  

  

  

  

Volume

  

Rate

  

Total

  

  

  

  

  

  

  

  

  

(In thousands)

  

  

  

  

  

  

  

  

Interest Income:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Investments

$

 (39,307) 

  

$

 (6,372) 

  

$

 (45,679) 

  

  

  

  

  

  

  

  

    Loans

  

 213,354 

  

  

 65,149 

  

  

 278,503 

  

  

  

  

  

  

  

  

        Total interest income

  

 174,047 

  

  

 58,777 

  

  

 232,824 

  

  

  

  

  

  

  

  

Interest Expense:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Deposits

  

 39,818 

  

  

 (28,490) 

  

  

 11,328 

  

  

  

  

  

  

  

  

    Securities sold under agreements to repurchase

  

 (32,248) 

  

  

 922 

  

  

 (31,326) 

  

  

  

  

  

  

  

  

    Other borrowings

  

 5,841 

  

  

 (5,401) 

  

  

 440 

  

  

  

  

  

  

  

  

        Total interest  expense

  

 13,411 

  

  

 (32,969) 

  

  

 (19,558) 

  

  

  

  

  

  

  

  

Net Interest Income

$

 160,636 

  

$

 91,746 

  

$

 252,382 

  

  

  

  

  

  

  

  

48

 

 

       

 

TABLE 1/A - YEAR-TO-DATE ANALYSIS OF NET INTEREST INCOME AND CHANGES DUE TO VOLUME/RATE

FOR THE YEARS ENDED DECEMBER 31, 2012 AND 2011

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest

  

Average rate

  

Average balance

  

December

  

December

  

December

  

December

  

December

  

December

  

2012 

  

2011 

  

2012 

2011 

  

2012 

  

2011 

  

(Dollars in thousands)

A - TAX EQUIVALENT SPREAD

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest-earning assets

$

 260,808 

  

$

 297,295 

  

4.42%

  

4.61%

  

$

 5,898,706 

  

$

 6,449,824 

    Tax equivalent adjustment

  

 39,315 

  

  

 107,727 

  

0.67%

  

1.67%

  

  

 - 

  

  

 - 

Interest-earning assets - tax equivalent

  

 300,123 

  

  

 405,022 

  

5.09%

  

6.28%

  

  

 5,898,706 

  

  

 6,449,824 

    Interest-bearing liabilities

  

 103,517 

  

  

 156,362 

  

1.83%

  

2.48%

  

  

 5,651,253 

  

  

 6,307,006 

Tax equivalent net interest income / spread

  

 196,606 

  

  

 248,660 

  

3.26%

  

3.80%

  

  

 247,453 

  

  

 142,818 

Tax equivalent interest rate margin

  

  

  

  

  

  

3.33%

  

3.86%

  

  

  

  

  

  

B - NORMAL SPREAD

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest-earning assets:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Investments:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Investment securities

  

 93,728 

  

  

 159,937 

  

2.81%

  

3.74%

  

  

 3,330,238 

  

  

 4,275,748 

    Trading securities

  

 23 

  

  

 29 

  

5.10%

  

3.93%

  

  

 451 

  

  

 737 

    Money market investments

  

 1,658 

  

  

 1,064 

  

0.22%

  

0.24%

  

  

 758,950 

  

  

 438,620 

        Total investments

  

 95,409 

  

  

 161,030 

  

2.33%

  

3.42%

  

  

 4,089,639 

  

  

 4,715,105 

Loans not covered under shared-loss agreements

    with the FDIC:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Originated

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

 48,202 

  

  

 48,569 

  

5.74%

  

5.56%

  

  

 840,283 

  

  

 872,997 

    Commercial 

  

 16,891 

  

  

 14,521 

  

5.34%

  

5.66%

  

  

 316,329 

  

  

 256,745 

    Consumer 

  

 2,840 

  

  

 4,012 

  

7.01%

  

12.21%

  

  

 40,511 

  

  

 32,858 

    Auto and leasing

  

 2,499 

  

  

 1,498 

  

8.25%

  

10.63%

  

  

 30,301 

  

  

 14,092 

        Total originated non-covered loans

  

 70,432 

  

  

 68,600 

  

5.74%

  

5.83%

  

  

 1,227,424 

  

  

 1,176,692 

Acquired

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

 1,767 

  

  

 - 

  

5.78%

  

0.00%

  

  

 30,591 

  

  

 - 

    Commercial 

  

 3,742 

  

  

 - 

  

6.63%

  

0.00%

  

  

 56,464 

  

  

 - 

    Consumer 

  

 1,430 

  

  

 - 

  

19.72%

  

0.00%

  

  

 7,250 

  

  

 - 

    Auto

  

 2,652 

  

  

 - 

  

6.89%

  

0.00%

  

  

 38,467 

  

  

 - 

        Total acquired non-covered loans

  

 9,591 

  

  

 - 

  

7.22%

  

0.00%

  

  

 132,772 

  

  

 - 

        Total non-covered loans

  

 80,023 

  

  

 68,600 

  

5.88%

  

5.83%

  

  

 1,360,196 

  

  

 1,176,692 

Loans covered under shared-loss agreements

    with the FDIC:

  

 85,376 

  

  

 67,665 

  

19.02%

  

12.13%

  

  

 448,871 

  

  

 558,027 

            Total loans

  

 165,399 

  

  

 136,265 

  

9.14%

  

7.86%

  

  

 1,809,067 

  

  

 1,734,719 

                Total interest earning assets

  

 260,808 

  

  

 297,295 

  

4.42%

  

4.61%

  

  

 5,898,706 

  

  

 6,449,824 

49

 

 

       

 

  

Interest

  

  

Average rate

  

Average balance

  

December

  

December

  

  

December

December

December

  

December

  

2012 

  

2011 

  

  

2012 

  

2011 

  

2012 

  

2011 

  

(Dollars in thousands)

Interest-bearing liabilities:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Deposits:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Non-interest bearing deposits

  

 - 

  

  

 - 

  

  

0.00%

  

0.00%

  

  

 207,553 

  

  

 183,265 

    NOW accounts

  

 8,593 

  

  

 12,811 

  

  

0.96%

  

1.56%

  

  

 896,538 

  

  

 819,957 

    Savings and money market accounts

  

 2,443 

  

  

 3,334 

  

  

0.94%

  

1.37%

  

  

 259,115 

  

  

 243,745 

    Individual retirement accounts

  

 6,422 

  

  

 9,800 

  

  

1.74%

  

2.72%

  

  

 369,493 

  

  

 360,120 

    Retail certificates of deposit

  

 7,034 

  

  

 14,420 

  

  

2.06%

  

3.85%

  

  

 342,287 

  

  

 374,808 

        Total core deposits

  

 24,492 

  

  

 40,365 

  

  

1.18%

  

2.04%

  

  

 2,074,986 

  

  

 1,981,895 

    Institutional certificates of deposit

  

 2,047 

  

  

 1,960 

  

  

1.84%

  

0.76%

  

  

 111,129 

  

  

 259,112 

    Brokered deposits

  

 3,633 

  

  

 4,749 

  

  

1.78%

  

2.03%

  

  

 203,546 

  

  

 234,100 

  

  

 5,680 

  

  

 6,709 

  

  

1.81%

  

1.36%

  

  

 314,675 

  

  

 493,212 

    Deposits fair value premium amortization

  

(719)

  

  

(1,719)

  

  

 - 

  

 - 

  

  

 - 

  

  

 - 

    Core deposit intangible amortization

  

 196 

  

  

 142 

  

  

 - 

  

 - 

  

  

 - 

  

  

 - 

            Total deposits

  

 29,649 

  

  

 45,497 

  

  

1.24%

  

1.84%

  

  

 2,389,661 

  

  

 2,475,107 

Borrowings:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Securities sold under agreements to repurchase

  

 60,575 

  

  

 93,280 

  

  

2.09%

  

2.74%

  

  

 2,893,345 

  

  

 3,405,925 

    Advances from FHLB and other borrowings

  

 10,906 

  

  

 12,270 

  

  

3.56%

  

4.31%

  

  

 306,087 

  

  

 284,891 

    FDIC-guaranteed term notes

  

 909 

  

  

 4,084 

  

  

4.16%

  

3.89%

  

  

 21,875 

  

  

 105,000 

    Subordinated capital notes

  

 1,479 

  

  

 1,231 

  

  

3.67%

  

3.41%

  

  

 40,285 

  

  

 36,083 

        Total borrowings

  

 73,869 

  

  

 110,865 

  

  

2.26%

  

2.89%

  

  

 3,261,592 

  

  

 3,831,899 

            Total interest bearing liabilities

  

 103,518 

  

  

 156,362 

  

  

1.83%

  

2.48%

  

  

 5,651,253 

  

  

 6,307,006 

Net interest income / spread

$

 157,290 

  

$

 140,933 

  

  

2.59%

  

2.13%

  

  

  

  

  

  

Interest rate margin

  

  

  

  

  

  

  

2.67%

  

2.19%

  

  

  

  

  

  

Excess of average interest-earning assets over

    average interest-bearing liabilities

  

  

  

  

  

  

  

  

  

  

  

$

 247,453 

  

$

 142,818 

Average interest-earning assets to average

    interest-bearing liabilities ratio

  

  

  

  

  

  

  

  

  

  

  

  

104.38%

  

  

102.26%

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

C - CHANGES IN NET INTEREST INCOME DUE TO:

  

  

  

  

  

  

  

  

Volume

  

Rate

  

Total

  

  

  

  

  

  

  

  

  

(In thousands)

  

  

  

  

  

  

  

  

Interest Income:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Investments

$

 (21,361) 

  

$

 (44,260) 

  

$

 (65,621) 

  

  

  

  

  

  

  

  

    Loans

  

 (2,538) 

  

  

 31,673 

  

  

 29,135 

  

  

  

  

  

  

  

  

        Total interest income

  

 (23,899) 

  

  

 (12,587) 

  

  

 (36,486) 

  

  

  

  

  

  

  

  

Interest Expense:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Deposits

  

 (1,571) 

  

  

 (14,277) 

  

  

 (15,848) 

  

  

  

  

  

  

  

  

    Securities sold under agreements to repurchase

  

 (14,038) 

  

  

 (18,667) 

  

  

 (32,705) 

  

  

  

  

  

  

  

  

    Other borrowings

  

 (2,383) 

  

  

 (1,908) 

  

  

 (4,291) 

  

  

  

  

  

  

  

  

        Total interest  expense

  

 (17,992) 

  

  

 (34,852) 

  

  

 (52,844) 

  

  

  

  

  

  

  

  

Net Interest Income

$

 (5,907) 

  

$

 22,265 

  

$

 16,358 

  

  

  

  

  

  

  

  

50

 

 

       

 

TABLE 2 - NON-INTEREST INCOME SUMMARY

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

2013 

  

2012 

  

Variance

  

2011 

  

 

 

 

 

 

 

 

 

 

 

Banking service revenue

$

 44,656 

  

$

 13,796 

  

223.7%

  

$

 12,663 

Financial service revenue

  

 30,924 

  

  

 25,350 

  

22.0%

  

  

 20,571 

Mortgage banking activities

  

 9,689 

  

  

 9,705 

  

-0.2%

  

  

 9,876 

    Total banking and financial service revenue

  

 85,269 

  

  

 48,851 

  

74.5%

  

  

 43,110 

      Total other-than-temporarily impaired securities

  

 - 

  

  

 - 

  

0.0%

  

  

 (15,018) 

Other-than-temporary impairments on securities

  

 - 

  

  

 - 

  

0.0%

  

  

 (15,018) 

FDIC shared-loss expense, net

  

 (69,267) 

  

  

 (28,022) 

  

-147.2%

  

  

 (3,379) 

Net gain (loss) on:

  

  

  

  

  

  

  

  

  

  

    Sale of securities available for sale

  

 - 

  

  

 74,210 

  

-100.0%

  

  

 27,996 

    Derivatives

  

 (220) 

  

  

 (43,046) 

  

99.5%

  

  

 (12,381) 

    Early extinguishment of debt

  

 1,061 

  

  

 (26,052) 

  

104.1%

  

  

 (4,790) 

Other non-interest income

  

 670 

  

  

 338 

  

98.2%

  

  

 (3,083) 

  

  

 (67,756) 

  

  

 (22,572) 

  

-200.2%

  

  

 (10,655) 

Total non-interest income, net

$

 17,513 

  

$

 26,279 

  

-33.4%

  

$

 32,455 

 

Non-Interest Income

 

Comparison of the years ended December 31, 2013 and 2012

 

Non-interest income is affected by the amount of securities, derivatives and trading transactions, the level of trust assets under management, transactions generated by clients’ financial assets serviced by the securities broker-dealer and insurance subsidiaries, the level of mortgage banking activities, and the fees generated from loans and deposit accounts. It is also affected by the FDIC shared-loss expense, which varies depending on the results of the on-going evaluation of expected cash flows of the loan portfolio acquired in the FDIC-assisted acquisition.

 

As shown in Table 2 above, the Company recorded non-interest income in the amount of $17.5 million for 2013, compared to $26.3 million for  2012, a decrease of $8.8 million.

 

There was no gain or loss on the sale of securities in 2013 as compared to gains of $74.2 million 2012. Losses from derivative activities were only $220 thousand in 2013, compared to losses of $43.0 million in 2012. Gain on extinguishment of debt of $1.1 million in 2013, compared to losses of $26.1 million in 2012. The 2012 results reflect $12.9 million in net costs for deleveraging the balance sheet.

 

Also, the increase in the FDIC shared-loss expense to $69.3 million for 2013, compared to $28.0 million for 2012, resulted from the ongoing evaluation of expected cash flows of the covered loan portfolio, which resulted in reduced projected losses expected to be collected from the FDIC and the improved accretable yield on the covered loans.  Forecasted losses show a decreasing trend during 2013 as compared to the projections in 2012. The reduction in claimable losses amortizes the shared-loss indemnification asset through the life of the shared loss agreements. This amortization is net of the accretion of the discount recorded to reflect the expected claimable loss at its net present value. During 2013, the net amortization included $16.6 million of additional amortization of the FDIC indemnification asset from stepped up cost recoveries on certain construction and leasing loan pools. Additional amortization of the FDIC indemnification asset may be recorded, should the Company continue  to experience reduced expected losses. The majority of the FDIC indemnification asset is recorded for projected claimable losses on non-single family loans whose loss share period ends by the second quarter of 2015, although the recovery share period extends for an additional three-year period.

 

Banking service revenue, which consists primarily of fees generated by deposit accounts, electronic banking services, and customer services, increased 223.7% to $44.7 million in 2013, from $13.8 million for 2012. This increase for 2013 is attributable to an increase in transaction volume due to the larger deposit portfolio, as a result of the BBVAPR Acquisition.

 

51

 

 

       

Financial service revenue, which consists of commissions and fees from fiduciary activities, and securities brokerage and insurance activities, increased 22.0% to $30.9 million for 2013, compared to $25.4 million for 2012. This increase is mainly due to increased brokerage, trust and insurance business and transactions as a result of the BBVAPR Acquisition.

 

Income generated from mortgage banking activities remained stable at $9.7 million for both 2013 and 2012. The Company sells the majority of its originated loans into secondary markets. The increase in loan production is offset by the effect of the rise in interest rates during 2013 when compared to 2012, resulting in decreased profit margins from the sale of mortgage loans. 

 

Comparison of the years ended December 31, 2012 and 2011

 

The Company recorded non-interest income in the amount of $26.3 million for 2012, compared to $32.0 million for 2011, a decrease of $5.7 million.

 

In 2012, the Company had a $74.2 million gain on the sale of $1.828 billion in investment securities, partially offset by losses of $41.1 million on derivative activities and $26.1 million from early extinguishment costs of repurchase agreements. As part of our deleverage plan related to the BBVAPR Acquisition, the Company sold $1.403 billion in investment securities resulting in realized gains of $70.6 million, and the Company extinguished $1.698 billion of securities repurchase agreements prior to their contractual maturities resulting in realized losses of $26.1 million. During 2012, the Company also terminated forward settlement swaps with an aggregate notional amount of $900 million resulting in realized losses of $37.5 million.  In 2011, the Company had a $28.0 million gain on the sale of $620.3 million in investment securities, partially offset by losses of $13.2 million on derivative activities and $4.8 million from early extinguishment costs of repurchase agreements.

 

The increase in the net amortization of the FDIC shared-loss indemnification asset to $28.0 million for 2012, compared to $3.4 million for 2011, resulted from the ongoing evaluation of expected cash flows of the covered loan portfolio, which resulted in reduced losses expected to be collected from the FDIC and the improved re-yielding of the accretable yield on the covered loans. The reduction in claimable losses amortizes the loss-share indemnification asset through the life of the shared loss agreement.  This amortization is net of the accretion of the discount recorded to reflect the expected claimable loss at its net present value.

During 2012 there were no losses on other-than-temporary impairment of securities, compared to $15.0 million in 2011.

 

Financial service revenue, which consists of commissions and fees from fiduciary activities, and securities brokerage and insurance activities, increased 23.2% to $25.4 million in 2012, from $20.6 million for 2011, due to increased brokerage, trust and insurance business and transactions.

 

Banking service revenue, which consists primarily of fees generated by deposit accounts, electronic banking services, and customer services, increased 8.9% to $13.8 million in 2012, from $12.7 million in 2011.  This increase for 2012 is attributable to an increase in transaction volume.

 

Income generated from mortgage banking activities decreased 1.7% to $9.7 million in 2012, compared to 2011. Such decrease is mainly a result of decrease activity of mortgages sold into the secondary market.

52

 

 

       

 

TABLE 3 - NON-INTEREST EXPENSES SUMMARY

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Year Ended December 31, 

  

2013 

  

2012 

  

Variance %

  

2011 

  

 

 

 

 

 

 

 

 

 

 

Compensation and employee benefits

$

 91,957 

  

$

 45,778 

  

100.9%

  

$

 45,552 

Professional and service fees

  

 31,866 

  

  

 22,274 

  

43.1%

  

  

 22,804 

Occupancy and equipment

  

 34,408 

  

  

 17,530 

  

96.3%

  

  

 17,530 

Merger and restructuring charges

  

 17,660 

  

  

 4,990 

  

253.9%

  

  

 - 

Taxes, other than payroll and income taxes

  

 15,539 

  

  

 3,502 

  

343.7%

  

  

 4,721 

Electronic banking charges

  

 16,867 

  

  

 6,430 

  

162.3%

  

  

 5,709 

Insurance

  

 8,795 

  

  

 6,742 

  

30.5%

  

  

 6,642 

Foreclosure, repossession and other real estate expenses

  

 16,894 

  

  

 7,845 

  

115.3%

  

  

 3,829 

Loan servicing and clearing expenses

  

 7,588 

  

  

 3,309 

  

129.3%

  

  

 3,979 

Advertising, business promotion, and strategic initiatives

  

 7,025 

  

  

 6,254 

  

12.3%

  

  

 5,975 

Printing, postage, stationery and supplies

  

 3,459 

  

  

 1,254 

  

175.8%

  

  

 1,264 

Communication

  

 3,377 

  

  

 1,627 

  

107.6%

  

  

 1,500 

Director and investor relations

  

 1,098 

  

  

 1,039 

  

5.7%

  

  

 1,305 

Other operating expenses

  

 8,021 

  

  

 3,458 

  

132.0%

  

  

 3,449 

Total non-interest expenses

$

 264,554 

  

$

 132,032 

  

100.4%

  

$

 124,259 

Relevant ratios and data:

  

  

  

  

  

  

  

  

  

  

    Efficiency ratio

  

53.45%

  

  

64.05%

  

  

  

  

67.52%

    Compensation and benefits to

        non-interest expense

  

34.76%

  

  

34.67%

  

  

  

  

36.66%

    Compensation to average total assets owned

  

1.08%

  

  

0.70%

  

  

  

  

0.64%

    Average number of employees

  

 1,564 

  

  

 781 

  

  

  

  

 724 

    Average compensation per employee

$

 58.8 

  

$

 58.6 

  

  

  

$

 62.9 

   Average loans per average employee

$

 3,258 

  

$

 2,316 

  

  

  

$

 2,396 

 

Non-Interest Expenses

 

Comparison of the years ended December 31, 2013 and 2012

 

Non-interest expense for 2013 reached $264.6 million, representing an increase of 100.4% compared to $132.0 million for 2012, due to the Company’s expanded operations as a result of the BBVAPR Acquisition.   

Compensation and employee benefits increased 100.9% to $92.0 million for 2013, from $45.8 million for 2012. These increases are mainly driven by the integration of the employees of BBVAPR. 

Professional and service fees increased 43.1% to $31.9 million for 2013 as compared to $22.3 million for 2012, mainly due to professional expenses related to the BBVAPR integration.

Occupancy and equipment expenses increased 96.8% to $34.5 million for 2013, as compared to $17.5 million for 2012, as a result of the BBVAPR Acquisition in which the Bank acquired 36 branches and the building where our new headquarters are located. During 2013, the Company consolidated 9 branches.

During 2013, the Company incurred $17.5 million in expenses related to the merger and restructuring charges.  This amount includes a $3.7 million charge related to an early termination of a contract with a third party servicer of certain loan portfolios acquired in the FDIC-assisted transaction, $3.6 million related to other cancellation fees, and $6.3 million related to systems integration.  These charges represent costs associated with these one-time activities and do not represent ongoing costs of the fully integrated combined organization. 

 

Taxes, other than payroll and income taxes, for 2013 increased to $15.5 million, as compared to $3.5 million for 2012. The increase primarily reflects a $5.4 million impact for 2013 from the application of the new 1.0% tax on gross revenues which was part of the

53

 

 

       

recently signed Act. No. 40-2013,  known as “Ley de Redistribución y Ajuste  de la Carga Contributiva “, signed on June 30, 2013.  In addition, municipal tax increased 225% from $2.4 million in 2012 to $7.8 million in 2003, which resulted from the addition of branches as part of the BBVAPR Acquisition.

Electronic banking charges increased 162.3% to $16.9 million for 2013 as compared to $6.4 million for 2012, mostly due to the increase in expenses related to merchant business and card interchange transactions resulting from our banking business growth from BBVAPR Acquisition.

Foreclosure, repossession and other real estate expenses for 2013 increased 115.3% to $16.9 million, as compared to $7.8 million for 2012. In addition, loss on foreclosed real estate and other repossessed assets for 2013 increased 119.7% to $9.3 million, as compared to $4.3 million for 2012, principally due to the increase in foreclosures and decrease in fair value of real estate during 2013 as compared to 2012.

The increase in the Company’s net-interest income resulted in a decrease in the efficiency ratio to 53.45% for 2013 from 64.05% from the same period in the prior year. The efficiency ratio measures how much of a company’s revenue is used to pay operating expenses. The Company computes its efficiency ratio by dividing non-interest expenses by the sum of its net interest income and non-interest income, but excluding gains on the sale of investments securities, derivatives gains or losses, credit-related other-than-temporary impairment losses, FDIC shared-loss expense, losses on the early extinguishment of repurchase agreements, other gains and losses, and other income that may be considered volatile in nature. Management believes that the exclusion of those items permits greater comparability. Amounts presented as part of non-interest income that are excluded from the efficiency ratio computation amounted to losses of $67.8 million for 2013, compared to losses of $22.6 million for 2012. Revenue for purposes of the efficiency ratio for 2013 amounted to $494.9 million, compared to $206.1 million for 2012.

 

Comparison of the years ended December 31, 2012 and 2011

 

Non-interest expense for 2012 reached $132.0 million, representing an increase of 6.3% compared to $124.3 million for 2011. During 2012, the  Company incurred $7.1 million in expenses related to the BBVAPR Acquisition. Merger and restructuring charges amounted to $5.0 million and other integration expenses amounted to $2.1 million. These charges represent costs associated with these one-time activities and do not represent ongoing costs of the fully integrated combined organization. 

Foreclosure, repossession and other real estate expenses for 2012 increased 72.8% to $3.6 million as compared to 2011, principally due to increase in foreclosures during 2012 as compared to 2011.

Electronic banking charges increased 12.6% to $6.4 million 2012 from $5.7 million in 2011, mostly as a result in volume increase of POS transactions. Communication increased 8.5% to $1.6 million 2012 compared to 2011 driven by increase in credit information systems. Advertising, business promotion, and strategic initiatives increased 4.7% to $6.3 million 2012 compared to 2011 as a result in marketing initiatives during 2012 for identity refresh and rebranding in connection with the BBVAPR Acquisition.

Taxes, other than payroll and income taxes, for 2012 decreased 25.8% to $3.5 million as compared to 2011, principally due to a municipal license benefit of $1.4 million attributed to a settlement reached with the municipality of San Juan during the second quarter of 2012 in which the  Company paid $60 thousand in full and final satisfaction of any and all claims for municipal license taxes for all fiscal years prior to and including 2011.

Directors and investor relations expenses decreased 20.4% to $1.0 million 2012 compared to 2011, due to the departure of two directors during 2012.

                                                                                 

Loan servicing and clearing expenses decreased by 16.8% 2012 as a result of conversion expenses of the securities broker dealer clearing agent platform of approximately $250 thousand in 2011 and overall expenses savings related to these new clearing services.

 

The increase in the Company’s net-interest income resulted in a decrease in the efficiency ratio to 64.05% for 2012 from 67.52% in the prior year. The efficiency ratio measures how much of a company’s revenue is used to pay operating expenses. The  Company computes its efficiency ratio by dividing non-interest expenses by the sum of its net interest income and non-interest income, but excluding gains on sale of investments securities, derivatives gains or losses, credit-related other-than-temporary impairment losses, net accretion or amortization of FDIC shared-loss indemnification assets, losses on early extinguishment of repurchase agreements, and other income that may be considered volatile in nature. Management believes that the exclusion of those items permits greater comparability. Amounts presented as part of non-interest income that are excluded from the efficiency ratio computation amounted to

54

 

 

       

losses of $22.6 million for 2012 compared to losses of $11.1 million for 2011. Revenue for purposes of the efficiency ratio for 2012 amounted to $206.1 million compared to $184.0 million for 2011.

 

Provision for Loan and Lease Losses

 

Comparison of the years ended December 31, 2013 and 2012

 

The provision for non-covered loan and lease losses for the year 2013 totaled $67.6 million, an increase of 387.6% from the $13.9 million in 2012, mostly related to the increase in loan portfolio as a result of the BBVAPR Acquisition. The provision for non-covered loan and leases for 2013 also includes the net impact of $21.0 million in additional provision for loan and lease losses from the reclassification to held-for-sale of non-performing residential mortgage loans with a book value of $55.2 million. During the third quarter we completed the sale of these loans that consisted of the most of the Company’s residential non-performing loans originated before 2010. Based on an analysis of the credit quality and the composition of the Company’s loan portfolio, management determined that the provision for 2013 was adequate in order to maintain the allowance for loan and lease losses at an adequate level to provide for probable losses based upon an evaluation of known and inherent risks.

 

During 2013, net credit losses, excluding acquired loans, amounted to $46.4 million, representing increases of 324.2%, when compared to $10.9 million reported for 2012. The increase was primarily due to an increase of $30.2 million in net credit losses for mortgage loans during 2013, compared to 2012. These include $27.0 million in charge-offs due to the aforementioned reclassification to held-for-sale of non-performing residential loans with a book value of $55.2 million, which were sold during third quarter of  2013.

 

Total charge-offs on non-covered loans, excluding acquired loans, increased 323.9% to $48.5 million 2013, as compared to $11.5 million in 2012, and total recoveries increased from $508 thousand in 2012, to $2.1 million in 2013. As a result, the recoveries to charge-offs ratio decreased from 4.44% to 4.37% for 2013 as compared to 2012.

 

The loans acquired in the BBVAPR Acquisition accounted for under ASC 310-20 (loans with revolving feature and/or acquired at a premium) were recognized at fair value as of December 18, 2012, which included the impact of expected credit losses. Provision for loan and lease losses on these loans for 2013 was $2.4 million. Loans acquired in the BBVAPR Acquisition accounted for under ASC 310-30 (loans acquired with deteriorated credit quality, including those by analogy) were also recognized at fair value as of December 18, 2012, which included the impact of expected credit losses. Provision for loan and lease losses on these loans for 2013 was also $2.9 million.

 

The loans covered by the FDIC shared-loss agreement were recognized at fair value as of April 30, 2010, which included the impact of expected credit losses. To the extent credit deterioration occurs in covered loans after the date of acquisition, the Company records an allowance for loan and lease losses. Also, the Company records an increase in the FDIC shared-loss indemnification asset for the expected reimbursement from the FDIC under the shared-loss agreements. Provision for covered loans and lease losses for 2013 was $5.3 million, reflecting the Company’s revision of the expected cash flows in the covered loan portfolio considering actual experiences and changes in the Company’s expectations for the remaining terms of the loan pools.

 

Please refer to the “Allowance for Loan and Lease Losses and Non-Performing Assets” section in this MD&A and Table 8 through Table 13 below for more detailed information concerning the allowances for loan and lease losses, net credit losses and credit quality statistics.

 

Comparison of the years ended December 31, 2012 and 2011

 

The provision for non-covered loan and lease losses for 2012 totaled $13.9 million, a decrease of 8.9% from the $15.2 million reported in 2011.  Based on an analysis of the credit quality and the composition of the Company’s loan portfolio, management determined that the provision for 2012 was adequate in order to maintain the allowance for loan and lease losses at an adequate level to provide for probable losses based upon an evaluation of known and inherent risks.  The decrease in the provision for loan and lease losses for 2012 is supported by the following observed trends:

 

  • Loans that are 90 days past due to total gross loans decreased from 11.7% at December 31, 2011 to 6.6% at December 31, 2012.

  • Non-accruing loans decreased from $167.7 million at December 31, 2011 to $147.4 million at December 31, 2012.

 

55

 

 

       

During 2012, net credit losses amounted to $10.9 million, an increase of 13.8% when compared $9.6 million in 2011.  The increase for 2012 was primarily due to an increase in net credit losses for commercial loans of $1.6 million when compared to 2011.  Total charge-offs increased 13.1% to $11.5 million 2012 as compared to 2011, and total recoveries slightly increased from $506 thousand in 2011 to $508 thousand 2012. As a result, the recoveries to charge-offs ratio decreased from 5.00% in 2011 to 4.44% 2012.

 

The loans covered by the FDIC shared-loss agreement were recognized at fair value as of April 30, 2010, which included the impact of expected credit losses. To the extent credit deterioration occurs in covered loans after the date of acquisition, the Company records an allowance for loan and lease losses. Also, the  Company records an increase in the FDIC share-loss indemnification asset for the expected reimbursement from the FDIC under the shared-loss agreements.  Provision for covered loans and lease losses for 2012 was $9.8 million, reflecting the Company’s revision to the expected cash flows in the covered loan portfolio considering actual experiences and changes in the Company’s expectations for the remaining terms of the loan pools. During the first quarter of 2012, some covered construction and development and commercial real estate loan pools underperformed, which required a provision amounting to $7.2 million, net of the estimated reimbursement from the FDIC.  Additional net provisions of $1.5 million, $221 thousand and $982 thousand were recorded for the second, third and fourth quarters of 2012, respectively, as quarterly reviews of credit assumptions for covered loans  are reflecting some delays in the expected cash flows, mainly in pools of real estate collateralized loans. Significant judgment is made in timing the collection of nonperforming loans that are being actively worked out.

 

Income Taxes

 

Comparison of the years ended December 31, 2013 and 2012

 

Income tax benefit of $8.7 million for 2013 compared to an income tax expense of $3.3 million for 2012. The income tax benefit of $8.7 million for 2013 was due to the recent amendments to the Puerto Rico tax code that resulted in a $38.1 million benefit from an increase in the Company’s deferred tax asset as a result of the increase in corporate income taxes to 39% from 30% partially offset by the Company’s resulting higher effective rate of 33%, and a reversal of an income tax contingency of $1.5 million as a result of the expiration of the statute of limitations of certain tax positions.

 

Comparison of the years ended December 31, 2012 and 2011

 

Income tax expense was $3.3 million for 2012 compared to $886 thousand for 2011.  The increase during 2012 was mainly due to a $2.4 million tax expense from the IBE Subsidiary.  Following a change in its applicable tax rate from 5% to 0% as a result of a Puerto Rico law adopted in 2011, the remaining tax balance of the IBE Subsidiary’s unrealized gain on securities recorded other comprehensive income will flow through income as these securities are repaid or sold in future periods. This change in law had no effect during 2011.  The tax benefit of the exempt interest income was reduced from $10.5 million to $3.5 million as a result of the reduced investment portfolio and the reduction in the IBE Subsidiary’s income from $9.2 million in 2011 to $4.6 million 2012.

56

 

 

       

ANALYSIS OF FINANCIAL CONDITION

 

TABLE 4 - ASSETS SUMMARY AND COMPOSITION

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

December 31, 

  

2013 

  

2012 

  

Variance %

  

2011 

  

(Dollars in thousands)

Investments:

  

  

  

  

  

  

  

  

  

  

    FNMA and FHLMC certificates

$

 1,217,330 

  

$

 1,693,447 

  

-28.1%

  

$

 3,560,805 

    Obligations of US Government -sponsored agencies

  

 10,649 

  

  

 21,847 

  

-51.3%

  

  

 - 

    US Treasury securities

  

 - 

  

  

 26,496 

  

-100.0%

  

  

 - 

    CMOs issued by US Government-sponsored agencies

  

 214,394 

  

  

 291,400 

  

-26.4%

  

  

 130,046 

    GNMA certificates

  

 7,816 

  

  

 15,164 

  

-48.5%

  

  

 28,337 

    Structured credit investments

  

 - 

  

  

 - 

  

  

  

  

 (9,617) 

    Puerto Rico Government and political subdivisions

  

 114,190 

  

  

 120,521 

  

-5.3%

  

  

 71,480 

    FHLB stock

  

 24,450 

  

  

 38,411 

  

-36.3%

  

  

 23,779 

    Other debt securities

  

 24,047 

  

  

 25,411 

  

-5.4%

  

  

 62,887 

    Other investments

  

 1,933 

  

  

 568 

  

240.3%

  

  

 253 

        Total investments

  

 1,614,809 

  

  

 2,233,265 

  

-27.7%

  

  

 3,867,970 

Loans:

  

  

  

  

  

  

  

  

  

  

    Loans not covered under shared-loss agreements with the FDIC

  

 4,670,227 

  

  

 4,738,106 

  

-1.4%

  

  

 1,135,575 

    Allowance for loan and lease losses on non covered loans

  

 (54,298) 

  

  

 (39,921) 

  

-36.0%

  

  

 (37,011) 

        Non covered loans receivable, net

  

 4,615,929 

  

  

 4,698,185 

  

-1.8%

  

  

 1,098,564 

    Mortgage loans held for sale

  

 46,529 

  

  

 64,145 

  

-27.5%

  

  

 71,352 

            Total loans not covered under shared-loss agreements with the FDIC, net

  

 4,662,458 

  

  

 4,762,330 

  

-2.1%

  

  

 1,169,916 

    Loans covered under shared-loss agreements with the FDIC

  

 409,690 

  

  

 449,431 

  

-8.8%

  

  

 533,532 

    Allowance for loan and lease losses on covered loans

  

 (52,729) 

  

  

 (54,124) 

  

2.6%

  

  

 (37,256) 

            Total loans covered under shared-loss agreements with the FDIC, net

  

 356,961 

  

  

 395,307 

  

-9.7%

  

  

 496,276 

                Total loans, net

  

 5,019,419 

  

  

 5,157,637 

  

-2.7%

  

  

 1,666,192 

Securities purchased under agreements to resell

  

 60,000 

  

  

 80,000 

  

-25.0%

  

  

 - 

Total securities and loans

  

 6,694,228 

  

  

 7,470,902 

  

-10.4%

  

  

 5,534,162 

Other assets:

  

  

  

  

  

  

  

  

  

  

    Cash and due from banks

  

 696,501 

  

  

 855,490 

  

-18.6%

  

  

 584,929 

    Money market investments

  

 6,967 

  

  

 13,205 

  

-47.2%

  

  

 3,863 

    FDIC shared-loss indemnification asset

  

 189,240 

  

  

 302,295 

  

-37.4%

  

  

 405,646 

    Foreclosed real estate

  

 90,024 

  

  

 74,173 

  

21.4%

  

  

 27,679 

    Accrued interest receivable

  

 18,734 

  

  

 14,654 

  

27.8%

  

  

 20,182 

    Deferred tax asset, net

  

 137,564 

  

  

 126,652 

  

8.6%

  

  

 32,023 

    Premises and equipment, net

  

 82,903 

  

  

 84,997 

  

-2.5%

  

  

 21,520 

    Servicing assets

  

 13,801 

  

  

 10,795 

  

27.8%

  

  

 10,454 

    Derivative assets

  

 20,502 

  

  

 21,889 

  

-6.3%

  

  

 9,317 

    Goodwill

  

 86,069 

  

  

 86,069 

  

0.0%

  

  

 2,701 

    Other assets

  

 121,482 

  

  

 150,637 

  

-19.4%

  

  

 52,504 

        Total other assets

  

 1,463,787 

  

  

 1,740,856 

  

-15.9%

  

  

 1,170,818 

        Total assets

$

 8,158,015 

  

$

 9,211,758 

  

-11.4%

  

$

 6,704,980 

Investments portfolio composition:

  

  

  

  

  

  

  

  

  

  

    FNMA and FHLMC certificates

  

75.4%

  

  

75.8%

  

  

  

  

92.1%

    Obligations of US Government-sponsored agencies

  

0.7%

  

  

1.0%

  

  

  

  

0.0%

    US Treasury securities

  

0.0%

  

  

1.2%

  

  

  

  

0.0%

    CMOs issued by US Government-sponsored agencies

  

13.3%

  

  

13.0%

  

  

  

  

3.4%

    GNMA certificates

  

0.5%

  

  

0.7%

  

  

  

  

0.7%

    Structured credit investments

  

0.0%

  

  

0.0%

  

  

  

  

-0.2%

    Puerto Rico Government and political subdivisions

  

7.1%

  

  

5.4%

  

  

  

  

1.8%

    FHLB stock

  

1.5%

  

  

1.7%

  

  

  

  

0.6%

    Other debt securities and other investments

  

1.5%

  

  

1.2%

  

  

  

  

1.6%

  

  

100.0%

  

  

100.0%

  

  

  

  

100.0%

57

 

 

       

Assets Owned

 

At December 31, 2013, the Company’s total assets amounted to $8.158 billion, a decrease of 11.4% when compared to $9.212 billion at December 31, 2012, and interest-earning assets decreased 10.4% from $7.471 billion at December 31, 2012 to $6.694 billion at December 31, 2013, mostly as a result of decrease in investment securities.

 

At December 31, 2013, loans represented 75% of total interest-earning assets while investments represented 25%, compared to 69% and 31%, respectively, at December 31, 2012.

 

The Company’s loan portfolio is comprised of residential mortgage loans, commercial loans collateralized by mortgages on real estate located in Puerto Rico, other commercial and industrial loans, consumer loans, leases, and auto loans.  Auto loans were added as part of  the  BBVAPR Acquisition. At December 31, 2013, the Company’s loan portfolio decreased 2.7% to $5.019 billion compared to $5.158 billion at December 31, 2012. The covered loan portfolio decreased $38.3 million, or 9.7%, from December 31, 2012 as the loans continue to pay down. The non-covered loan portfolio decreased $99.8 million, or 2.1%, primarily due to the early pay down of some commercial loans and the sale during 2013 of non-performing residential mortgage loans with a book value of $55.2 million.

 

The FDIC shared-loss indemnification asset amounted to $189.2 million as of December 31, 2013 and $302.3 million as of December 31, 2012, representing a 37.4% reduction. The FDIC shared-loss indemnification asset is reduced as claims over losses recognized on covered loans are collected from the FDIC. Realized credit losses in excess of previously forecasted estimates result in an increase in the FDIC shared-loss indemnification asset. Conversely, if realized credit losses are less than previously forecasted estimates, the FDIC shared-loss indemnification asset is amortized through the term of the shared-loss agreements. The decrease in the FDIC shared-loss indemnification asset is mainly related to reimbursements of $47.1 million received from the FDIC, and amortization of $66.3 million during 2013.

 

Investments principally consist of U.S. treasury securities, U.S. government and agency bonds, mortgage-backed securities, and Puerto Rico government and agency bonds.  At December 31, 2013, the investment portfolio decreased 27.7% to $1.615 billion from $2.233 billion at December 31, 2012.  This decrease is mostly due to the effect of a decrease of $476.1 million in FNMA and FHLMC certificates, mainly due to redemptions and maturities.  During 2013, the Company did not have realized gains or losses from the sale of securities.

 

58

 

 

       

 

TABLE 5 — LOANS RECEIVABLE COMPOSITION

  

  

  

  

December 31,

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

%

  

2011 

  

(Dollars in thousands)

Loans not covered under shared-loss agreements with FDIC:

  

  

  

  

  

  

  

  

  

  

    Originated and other loans and leases held for investment:

  

  

  

  

  

  

  

  

  

  

        Mortgage

$

 766,265 

  

$

 806,883 

  

-5.0%

  

$

 821,062 

        Commercial

  

 1,127,657 

  

  

 349,075 

  

223.0%

  

  

 301,573 

        Consumer

  

 127,744 

  

  

 46,667 

  

173.7%

  

  

 36,130 

        Auto and leasing

  

 379,874 

  

  

 37,577 

  

910.9%

  

  

 25,768 

            Total originated and other loans and leases held for investment

  

 2,401,540 

  

  

 1,240,202 

  

93.6%

  

  

 1,184,533 

Acquired loans:

  

  

  

  

  

  

  

  

  

  

Accounted for under ASC 310-20

  

  

  

  

  

  

  

  

  

  

        Commercial

  

 77,681 

  

  

 350,242 

  

-77.8%

  

  

 - 

        Consumer

  

 56,174 

  

  

 70,347 

  

-20.1%

  

  

 - 

        Auto

  

 301,584 

  

  

 470,601 

  

-35.9%

  

  

 - 

  

  

 435,439 

  

  

 891,190 

  

-51.1%

  

  

 - 

Accounted for under ASC 310-30

  

  

  

  

  

  

  

  

  

  

        Mortgage

  

 717,904 

  

  

 799,433 

  

-10.2%

  

  

 - 

        Commercial

  

 671,544 

  

  

 1,133,844 

  

-40.8%

  

  

 - 

        Consumer

  

 63,620 

  

  

 123,825 

  

-48.6%

  

  

 - 

        Auto

  

 379,145 

  

  

 553,075 

  

-31.4%

  

  

 - 

  

  

 1,832,213 

  

  

 2,610,177 

  

-29.8%

  

  

 - 

  

  

 2,267,652 

  

  

 3,501,367 

  

-35.2%

  

  

 - 

  

  

 4,669,192 

  

  

 4,741,569 

  

-1.5%

  

  

 1,184,533 

        Deferred loans fees, net

  

 1,035 

  

  

 (3,463) 

  

129.9%

  

  

 (4,546) 

    Loans receivable

  

 4,670,227 

  

  

 4,738,106 

  

-1.4%

  

  

  

        Allowance for loan and lease losses on non-covered loans

  

 (54,298) 

  

  

 (39,921) 

  

-36.0%

  

  

 (37,010) 

    Loans receivable, net

  

 4,615,929 

  

  

 4,698,185 

  

-1.8%

  

  

 1,142,977 

        Mortgage loans held-for-sale

  

 46,529 

  

  

 64,145 

  

-27.5%

  

  

 26,939 

    Total loans not covered under shared-loss agreements with FDIC, net

  

 4,662,458 

  

  

 4,762,330 

  

-2.1%

  

  

 1,169,916 

Loans covered under shared-loss agreements with FDIC:

  

  

  

  

  

  

  

  

  

  

    Loans secured by 1-4 family residential properties

  

 121,748 

  

  

 128,811 

  

-5.5%

  

  

 140,824 

    Construction and development secured by 1-4 family residential properties

  

 17,304 

  

  

 15,969 

  

8.4%

  

  

 16,976 

    Commercial and other construction

  

 264,249 

  

  

 289,070 

  

-8.6%

  

  

 325,832 

    Consumer

  

 6,119 

  

  

 8,493 

  

-28.0%

  

  

 13,778 

    Leasing

  

 270 

  

  

 7,088 

  

-96.2%

  

  

 36,122 

    Total loans covered under shared-loss agreements with FDIC

  

 409,690 

  

  

 449,431 

  

-8.8%

  

  

 533,532 

        Allowance for loan and lease losses on covered loans

  

 (52,729) 

  

  

 (54,124) 

  

2.6%

  

  

 (37,256) 

    Total loans covered under shared-loss agreements with FDIC, net

  

 356,961 

  

  

 395,307 

  

-9.7%

  

  

 496,276 

Total loans receivable, net

$

 5,019,419 

  

$

 5,157,637 

  

-2.7%

  

$

 1,666,192 

59

 

 

       

As shown in Table 5 above, total loans receivable net amounted to $5.0 billion at December 31, 2013 compared to $5.2 billion at December 31, 2012.  

 

The Company’s originated and other loans held-for-investment portfolio composition and trends were as follows:

 

·         Mortgage loan portfolio amounted to $766.3 million (31.9% of the gross originated loan portfolio) compared to $806.9 million (65.1% of the gross originated loan portfolio) at December 31, 2012. Mortgage loan production totaled $306.6 million for 2013, which represents an increase of 51.3% from $202.7 million in the previous year. Mortgage loans included delinquent loans in the GNMA buy-back option program amounting to $34.9 million and $25.7 million at December 31, 2013 and 2012, respectively. Servicers of loans underlying GNMA mortgage-backed securities must report as their own assets the defaulted loans that they have the option (but not the obligation) to repurchase, even when they elect not to exercise that option.

 

·         Commercial loan portfolio amounted to $1.128 billion (47.0% of the gross originated loan portfolio) compared to $349.1 million (28.1% of the gross originated loan portfolio) at December 31, 2012. Commercial loan production increased 266.9% to $700.8 million for 2013 from $191.0 million for 2012.

 

·         Consumer loan portfolio amounted to $127.7 million (5.3% of the gross originated loan portfolio) compared to $46.7 million (3.8% of the gross originated loan portfolio) at December 31, 2012. Consumer loan production increased 218.7% to $101.4 million for 2013 from $31.8 million for 2012.

 

·         Auto and leasing portfolio amounted to $379.9 million (15.8% of the gross originated loan portfolio) compared to $37.6 million (3.0% of the gross originated loan portfolio) at December 31, 2012. Auto and leasing production was $375.3 million for 2013, compared to $35.2 million for 2012, during which the Company only originated leases. The auto business line was added as part of the BBVAPR Acquisition.

 

At December 31, 2013 and 2012 the Company's non-covered BBVAPR acquired loan portfolio composition was as follows:

  

  

  

  

  

  

  

  

  

  

  

December 31,

  

2013 

  

2012 

Portfolio Type

  

Carrying Amounts

  

% of Gross Non-Covered Acquired Portfolio

  

  

Carrying Amounts

  

% of Gross Non-Covered Acquired Portfolio

  

(Dollars in thousands)

Mortgage

$

 717,904 

  

31.7%

  

$

 799,433 

  

22.8%

Commercial

  

 749,225 

  

33.0%

  

  

 1,484,086 

  

42.4%

Consumer

  

 119,794 

  

5.3%

  

  

 194,172 

  

5.5%

Auto

  

 680,729 

  

30.0%

  

  

 1,023,676 

  

29.2%

  

$

 2,267,652 

  

100.00%

  

$

 3,501,367 

  

100.00%

60

 

 

       

 

The following table summarizes the remaining contractual maturities of the Company's total gross non-covered loans, excluding loans accounted for under ASC 310-30, segmented to reflect cash flows as of December 31, 2013. Contractual maturities do not necessarily reflect the period of resolution of a loan, considering prepayments.

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Maturities

  

  

  

  

  

  

  

  

After One Year to

  

  

  

  

  

Balance

  

  

One Year or Less

  

  

Five Years

  

  

After Five Years

  

  

Outstanding  at

  

  

  

  

Fixed

  

  

Variable

  

  

Fixed

  

  

Variable

  

  

December 31,

  

  

  

  

Interest

  

  

Interest

  

  

Interest

  

  

Interest

  

  

2013

  

  

  

  

Rates

  

  

Rates

  

  

Rates

  

  

Rates

  

  

(In thousands)

Originated and other loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Mortgage, mainly residential

$ 

 766,265 

  

$ 

 2,800 

  

$ 

 39,043 

  

$ 

 - 

  

$ 

 724,422 

  

$ 

 - 

Commercial

  

 1,127,657 

  

  

 830,404 

  

  

 231,678 

  

  

 - 

  

  

 65,575 

  

  

 - 

Consumer

  

 127,744 

  

  

 21,965 

  

  

 60,571 

  

  

 - 

  

  

 45,208 

  

  

 - 

Auto and leasing

  

 379,874 

  

  

 348 

  

  

 53,466 

  

  

 - 

  

  

 326,060 

  

  

 - 

 Total  

$

 2,401,540 

  

$

 855,517 

  

$

 384,758 

  

$

 - 

  

$

 1,161,265 

  

$

 - 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Acquired loans accounted under ASC 310-20:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Commercial

$

 59,068 

  

$

 59,038 

  

$

 30 

  

$

 - 

$ - 

$

 - 

  

$

 - 

Commercial secured by real estate

  

 18,613 

  

  

 18,308 

  

  

 - 

  

  

 - 

  

  

 305 

  

  

 - 

Consumer

  

 56,174 

  

  

 56,174 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

Auto

  

 301,584 

  

  

 13,879 

  

  

 228,678 

  

  

 - 

  

  

 59,027 

  

  

 - 

Total

$

 435,439 

  

$

 147,399 

  

$

 228,708 

  

$

 - 

  

$

 59,332 

  

$

 - 

61

 

 

       

 

TABLE 6 - LIABILITIES SUMMARY AND COMPOSITION

  

  

  

  

December 31, 

  

2013 

  

2012 

  

Variance %

  

  

2011 

  

(Dollars in thousands)

Deposits:

  

  

  

  

  

  

  

  

  

  

    Non-interest bearing deposits

$

 550,303 

  

$

 799,679 

  

-31.2%

  

$

 201,198 

    NOW accounts

  

 1,587,670 

  

  

 1,647,072 

  

-3.6%

  

  

 847,940 

    Savings and money market accounts

  

 1,194,566 

  

  

 634,133 

  

88.4%

  

  

 230,672 

    Certificates of deposit

  

 2,048,040 

  

  

 2,604,701 

  

-21.4%

  

  

 1,153,493 

        Total deposits

  

 5,380,579 

  

  

 5,685,585 

  

-5.4%

  

  

 2,433,303 

    Accrued interest payable

  

 2,686 

  

  

 4,994 

  

-46.2%

  

  

 4,493 

        Total deposits and accrued interest payable

  

 5,383,265 

  

  

 5,690,579 

  

-5.4%

  

  

 2,437,796 

Borrowings:

  

  

  

  

  

  

  

  

  

  

    Short term borrowings

  

 - 

  

  

 92,210 

  

-100.0%

  

  

 - 

    Securities sold under agreements to repurchase

  

 1,267,618 

  

  

 1,695,247 

  

-25.2%

  

  

 3,056,238 

    Advances from FHLB

  

 336,143 

  

  

 536,542 

  

-37.4%

  

  

 281,753 

    Federal funds purchased

  

 - 

  

  

 9,901 

  

-100.0%

  

  

 - 

    Other term notes

  

 3,663 

  

  

 6,726 

  

-45.5%

  

  

 109,227 

    Subordinated capital notes

  

 100,010 

  

  

 146,038 

  

-31.5%

  

  

 36,083 

        Total borrowings

  

 1,707,434 

  

  

 2,486,664 

  

-31.3%

  

  

 3,483,301 

            Total deposits and borrowings

  

 7,090,699 

  

  

 8,177,243 

  

-13.3%

  

  

 5,921,097 

  

  

  

  

  

  

  

  

  

  

  

Derivative liabilities

  

 14,937 

  

  

 26,260 

  

-43.1%

  

  

 47,425 

Acceptances outstanding

  

 23,042 

  

  

 26,996 

  

-14.6%

  

  

 - 

Other liabilities

  

 144,424 

  

  

 117,653 

  

22.8%

  

  

 43,595 

            Total liabilities

$

 7,273,102 

  

$

 8,348,152 

  

-12.9%

  

$

 6,012,117 

Deposits portfolio composition percentages:

  

  

  

  

  

  

  

  

  

  

    Non-interest bearing deposits

  

10.2%

  

  

14.1%

  

  

  

  

8.3%

    NOW accounts

  

29.5%

  

  

29.0%

  

  

  

  

34.8%

    Savings and money market accounts

  

22.2%

  

  

11.2%

  

  

  

  

9.5%

    Certificates of deposit

  

38.1%

  

  

45.7%

  

  

  

  

47.4%

  

  

100.0%

  

  

100.0%

  

  

  

  

100.0%

Borrowings portfolio composition percentages:

  

  

  

  

  

  

  

  

  

  

    Short term borrowings

  

0.0%

  

  

3.7%

  

  

  

  

0.0%

    Securities sold under agreements to repurchase

  

74.2%

  

  

68.1%

  

  

  

  

87.7%

    Advances from FHLB

  

19.7%

  

  

21.6%

  

  

  

  

8.2%

    Federal funds purchased

  

0.0%

  

  

0.4%

  

  

  

  

0.0%

    Other term notes

  

0.2%

  

  

0.3%

  

  

  

  

3.1%

    Subordinated capital notes

  

5.9%

  

  

5.9%

  

  

  

  

1.0%

  

  

100.0%

  

  

100.0%

  

  

  

  

100.0%

Securities sold under agreements to repurchase (excluding accrued interest)

  

  

  

  

  

  

  

  

  

  

    Amount outstanding at period-end

$

 1,265,000 

  

$

 1,695,247 

  

  

  

$

 3,056,238 

    Daily average outstanding balance

$

 1,353,011 

  

$

 2,888,558 

  

  

  

$

 3,417,892 

    Maximum outstanding balance at any month-end

$

 1,552,269 

  

$

 3,060,578 

  

  

  

$

 3,466,480 

62

 

 

       

Liabilities and Funding Sources

 

As shown in Table 6 above, at December 31, 2013, the Company’s total liabilities were $7.273 billion, 12.9% less than the $8.348 billion reported at December 31, 2012.  Deposits and borrowings, the Company’s funding sources, amounted to $7.091 billion at December 31, 2013 versus $8.177 billion at December 31, 2012, a 13.3% decrease.

 

At December 31, 2013, deposits represented 76% and borrowings represented 24% of interest-bearing liabilities, compared to 70% and 30%, respectively, at December 31, 2012. At year-end 2013, deposits and accrued interest payable, the largest category of the Company’s interest-bearing liabilities, were $5.383 billion, down 5.4% from $5.691 billion at year-end 2012. Non-maturing deposit balances increased 8.2%, to $3.332 billion, while time deposits, higher-priced deposits, declined 21.4% as part of efforts to reduce the cost of deposits, which averaged 0.73% in 2013 compared to 1.24% in 2012.

 

Borrowings consist mainly of funding sources through the use of repurchase agreements, FHLB-NY advances, subordinated capital notes, and short-term borrowings. At December 31, 2013, borrowings amounted to $1.707 billion, 31.3% lower than the $2.487 billion reported at December 31, 2012. Repurchase agreements as of December 31, 2013 decreased  $427.6 million to $1.267 billion from $1.695 billion at December 31, 2012, as the Company used available cash to pay off repurchase agreements at maturity.

 

As a member of the FHLB-NY, the Bank can obtain advances from the FHLB-NY, secured by the FHLB-NY stock owned by the Bank, as well as by certain of the Bank’s mortgage loans and investment securities. Advances from FHLB-NY amounted to $336.1 million and $536.5 million as of December 31, 2013 and December 31, 2012, respectively. These advances mature from January 2014 through July 2020.

 

Stockholders’ Equity

 

At December 31, 2013, the Company’s total stockholders’ equity was $884.9 million, a 2.5% increase when compared to $863.6 million at December 31, 2012. Increase in stockholders’ equity was mainly driven by the income for 2013, partially offset by changes to other comprehensive income.

 

At year-end 2013, tangible common equity to total assets increased to 7.61% from 6.48% . Tier 1 Leverage Capital Ratio increased to 9.11% from 6.55%, Tier 1 Risk-Based Capital Ratio increased to 14.35% from 13.18%, and Total Risk-Based Capital Ratio increased to 16.14% from 15.40% at year-end 2012.

 

Regulatory ratios and balances for December 31, 2012 do not reflect any changes as a result of the BBVAPR Acquisition remeasurement adjustments, since an institution is not required to amend previously filed regulatory reports for retrospective adjustments made to provisional amounts during the measurement period.

 

Taking  into consideration the Company’s strong capital position, we increased the quarterly cash dividend per common share  by 33%  to $0.08 on December 5, 2013. For 2013, this represents an increase to $0.26  per share from $0.24 per share, or an estimated annual increase of $914 thousand  based on 45.6 million shares outstanding at December 31, 2013.

 

Company’s Financial Assets Managed

 

The Company’s financial assets managed include those managed by the Company’s trust division, retirement plan administration subsidiary, and its broker-dealer subsidiary. The Company’s trust division offers various types of IRAs and manages 401(k) and Keogh retirement plans and custodian and corporate trust accounts, while the retirement plan administration subsidiary, CPC, manages private retirement plans.  At December 31, 2013, total assets managed by the Company’s trust division and CPC amounted to $2.797 billion, compared to $2.514 billion at December 31, 2012. Oriental Financial Services offers a wide array of investment alternatives to its client base, such as tax-advantaged fixed income securities, mutual funds, stocks, bonds and money management wrap-fee programs.  At December 31, 2013, total assets gathered by Oriental Financial Services from its customer investment accounts decreased to $2.493 billion, compared to $2.722 billion in assets gathered at December 31, 2012. Changes in trust and broker-dealer related assets primarily reflect a decrease in portfolio and differences in market values.

63

 

 

       

The following are the consolidated capital ratios of the Company at December 31, 2013, 2012 and 2011:

 

TABLE 7 — CAPITAL, DIVIDENDS AND STOCK DATA

  

  

  

  

December 31,

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

%

  

2011 

  

(Dollars in thousands, except per share data)

Capital data:

  

  

  

  

  

  

  

  

  

  

    Stockholders’ equity

$

 884,913 

  

$

 863,606 

  

2.5%

  

$

 695,555 

Regulatory Capital Ratios data:

  

  

  

  

  

  

  

  

  

  

    Leverage capital ratio

  

9.11%

  

  

6.55%

  

39.1%

  

  

9.65%

    Minimum leverage capital ratio required

  

4.00%

  

  

4.00%

  

  

  

  

4.00%

    Actual tier 1 capital

$

 736,930 

  

$

 692,017 

  

6.5%

  

$

 661,614 

    Minimum tier 1 capital required

$

 323,476 

  

$

 422,862 

  

-23.5%

  

$

 274,230 

    Excess over regulatory requirement

$

 413,455 

  

$

 269,155 

  

53.6%

  

$

 387,384 

    Tier 1 risk-based capital ratio

  

14.35%

  

  

13.18%

  

8.9%

  

  

31.84%

    Minimum tier 1 risk-based capital ratio required

  

4.00%

  

  

4.00%

  

  

  

  

4.00%

    Actual tier 1 risk-based capital

$

 736,930 

  

$

 692,017 

  

6.5%

  

$

 661,614 

    Minimum tier 1 risk-based capital required

$

 205,382 

  

$

 209,971 

  

-2.2%

  

$

 83,110 

    Excess over regulatory requirement

$

 531,548 

  

$

 482,046 

  

10.3%

  

$

 578,504 

    Risk-weighted assets

$

 5,134,538 

  

$

 5,249,270 

  

-2.2%

  

$

 2,077,742 

    Total risk-based capital ratio

  

16.14%

  

  

15.40%

  

4.8%

  

  

33.12%

    Minimum total risk-based capital ratio required

  

8.00%

  

  

8.00%

  

  

  

  

8.00%

    Actual total risk-based capital

$

 828,476 

  

$

 808,188 

  

2.5%

  

$

 688,188 

    Minimum total risk-based capital required

$

 410,763 

  

$

 419,942 

  

-2.2%

  

$

 166,219 

    Excess over regulatory requirement

$

 417,713 

  

$

 388,246 

  

7.6%

  

$

 521,969 

    Risk-weighted assets

$

 5,134,538 

  

$

 5,249,270 

  

-2.2%

  

$

 2,077,742 

    Tangible common equity to total assets

  

7.61%

  

  

6.48%

  

17.4%

  

  

9.34%

    Tangible common equity to risk-weighted assets

  

12.10%

  

  

11.38%

  

6.3%

  

  

30.14%

    Total equity to total assets

  

10.85%

  

  

9.38%

  

15.7%

  

  

10.38%

    Total equity to risk-weighted assets

  

17.23%

  

  

16.45%

  

4.7%

  

  

33.48%

    Tier 1 common equity to risk-weighted assets

  

10.44%

  

  

8.76%

  

19.2%

  

  

27.01%

    Tier 1 common equity capital

$

 536,062 

  

$

 459,961 

  

16.5%

  

$

 561,276 

Stock data:

  

  

  

  

  

  

  

  

  

  

    Outstanding common shares

  

 45,676,922 

  

  

 45,580,281 

  

0.2%

  

  

 41,244,533 

    Book value per common share

$

 15.74 

  

$

 15.31 

  

2.8%

  

$

 15.28 

    Tangible book value per common share

$

 13.60 

  

$

 13.10 

  

3.8%

  

$

 15.19 

    Market price at end of period

$

 17.34 

  

$

 13.35 

  

29.9%

  

$

 12.11 

    Market capitalization at end of period

$

 792,038 

  

$

 608,497 

  

30.2%

  

$

 499,471 

 

  

December 31,

  

  

  

  

  

  

  

  

Variance

  

  

  

  

  

2013 

  

2012 

  

%

  

2011 

  

(Dollars in thousands, except per share data)

Common dividend data:

  

  

  

  

  

  

  

  

  

  

  

    Cash dividends declared

  

$

 11,875 

  

$

 10,067 

  

18.0%

  

$

 9,153 

    Cash dividends declared per share

  

$

 0.26 

  

$

 0.24 

  

8.3%

  

$

 0.21 

    Payout ratio

  

  

15.03%

  

  

68.36%

  

-78.0%

  

  

33.33%

    Dividend yield

  

  

1.50%

  

  

1.80%

  

-16.7%

  

  

1.73%

64

 

 

       

The following table presents a reconciliation of the Company’s total stockholders’ equity to tangible common equity and total assets to tangible assets at December 31, 2013, 2012 and 2011:

 

  

December 31,

  

2013

  

2012

  

2011

  

(In thousands, except share or per

share information)

Total stockholders' equity

$

 884,913 

  

$

 863,606 

  

$

 695,555 

Preferred stock

  

 (176,000) 

  

  

 (176,000) 

  

  

 (68,000) 

Preferred stock issuance costs

  

 10,130 

  

  

 10,115 

  

  

 2,662 

Goodwill

  

 (86,069) 

  

  

 (86,069) 

  

  

 (2,701) 

Core deposit intangible

  

 (7,804) 

  

  

 (9,463) 

  

  

 (1,185) 

Customer relationship intangible

  

 (4,108) 

  

  

 (5,027) 

  

  

 - 

Total tangible common equity

$

 621,062 

  

$

 597,162 

  

$

 626,331 

Total assets

  

 8,158,015 

  

  

 9,211,758 

  

  

 6,704,980 

Goodwill

  

 (86,069) 

  

  

 (86,069) 

  

  

 (2,701) 

Core deposit intangible

  

 (7,804) 

  

  

 (9,463) 

  

  

 (1,185) 

Customer relationship intangible

  

 (4,108) 

  

  

 (5,027) 

  

  

 - 

Total tangible assets

$

 8,060,034 

  

$

 9,111,199 

  

$

 6,701,094 

Tangible common equity to tangible assets

  

7.71%

  

  

6.55%

  

  

9.03%

Common shares outstanding at end of period

  

 45,676,922 

  

  

 45,580,281 

  

  

 41,244,533 

Tangible book value per common share

$

 13.60 

  

$

 13.10 

  

$

 15.19 

 

The tangible common equity ratio and tangible book value per common share are non-GAAP measures. Management and many stock analysts use the tangible common equity ratio and tangible book value per common share in conjunction with more traditional bank capital ratios to compare the capital adequacy of banking organizations. Neither tangible common equity nor tangible assets or related measures should be considered in isolation or as a substitute for stockholders’ equity, total assets or any other measure calculated in accordance with GAAP. Moreover, the manner in which the Company calculates its tangible common equity, tangible assets and any other related measures may differ from that of other companies reporting measures with similar names.

 

The Tier 1 common equity to risk-weighted assets ratio is another non-GAAP measure. Ratios calculated based upon Tier 1 common equity have become a focus of regulators and investors, and management believes ratios based on Tier 1 common equity assist investors in analyzing the Company’s capital position. In connection with the 2009 Supervisory Capital Assessment Program, the Federal Reserve Board supplemented  its assessment of the capital adequacy of  certain large bank holding companies based on a variation of Tier 1 capital, known as Tier 1 common equity.

 

Because Tier 1 common equity is not formally defined by GAAP or, unlike Tier 1 capital, codified in the federal banking regulations, this measure is considered to be a non-GAAP financial measure. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. To mitigate these limitations, the Company has procedures in place to calculate these measures using the appropriate GAAP or regulatory components. Although these non-GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools and should not be considered in isolation or as a substitute for analyses of results as reported under GAAP.

65

 

 

       

The table below presents a reconciliation of the Company’s total common equity (GAAP) at December 31, 2013, 2012 and 2011 to Tier 1 common equity (non-GAAP):

 

  

December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands) 

Common stockholders' equity

$ 

 719,043 

  

$ 

 697,721 

  

$ 

 630,217 

 Unrealized gains on available-for-sale securities, net of income tax

  

 (11,434) 

  

  

 (68,245) 

  

  

 (79,244) 

Unrealized losses on cash flow hedges, net of income tax

  

 8,243 

  

  

 12,365 

  

  

 42,114 

 Disallowed deferred tax assets

  

 (80,430) 

  

  

 (80,242) 

  

  

 (26,879) 

 Disallowed servicing assets

  

 (1,380) 

  

  

 (1,079) 

  

  

 (1,045) 

 Intangible assets:

  

  

  

  

  

  

  

  

      Goodwill

  

 (86,069) 

  

  

 (86,069) 

  

  

 (2,701) 

      Other intangible assets

  

 (11,912) 

  

  

 (14,490) 

  

  

 (1,185) 

Total Tier 1 common equity

$ 

 536,062 

  

$ 

 459,961 

  

$ 

 561,276 

Tier 1 common equity to risk-weighted assets

  

10.44%

  

  

8.76%

  

  

27.01%

 

The following table presents the Company’s capital adequacy information at December 31, 2013, 2012 and 2011:

 

  

  

  

December 31,

  

  

  

  

2013 

  

2012 

  

2011 

  

(In thousands)

Risk-based capital:

  

  

  

  

  

  

  

  

    Tier 1 capital

$ 

 736,930 

  

$ 

 692,017 

  

$ 

 661,614 

    Supplementary (Tier 2) capital

  

 91,546 

  

  

 116,171 

  

  

 26,574 

        Total risk-based capital

$ 

 828,476 

  

$ 

 808,188 

  

$ 

 688,188 

Risk-weighted assets:

  

  

  

  

  

  

  

  

    Balance sheet items

$ 

 4,969,531 

  

$ 

 4,908,636 

  

$ 

 2,032,982 

    Off-balance sheet items

  

 165,007 

  

  

 340,634 

  

  

 44,760 

        Total risk-weighted assets

$ 

 5,134,538 

  

$ 

 5,249,270 

  

$ 

 2,077,742 

Ratios:

  

  

  

  

  

  

  

  

    Tier 1 capital (minimum required - 4%)

  

14.35%

  

  

13.18%

  

  

31.84%

    Total capital (minimum required - 8%)

  

16.14%

  

  

15.40%

  

  

33.12%

    Leverage ratio

  

9.11%

  

  

6.55%

  

  

9.65%

    Equity to assets

  

10.85%

  

  

9.38%

  

  

10.38%

    Tangible common equity to assets

  

7.61%

  

  

6.48%

  

  

9.34%

 

The Federal Reserve Board has risk-based capital guidelines for bank holding companies. Under the guidelines, the minimum ratio of qualifying total capital to risk-weighted assets is 8%. At least half of the total capital is to be comprised of qualifying common stockholders’ equity, qualifying noncumulative perpetual preferred stock (including related surplus), minority interests related to qualifying common or noncumulative perpetual preferred stock directly issued by a consolidated U.S. depository institution or foreign bank subsidiary, and restricted core capital elements (collectively, “Tier 1 Capital”). Banking organizations are expected to maintain at least 50% of their Tier 1 Capital as common equity. Except for certain debt or equity instruments issued on or after May 19, 2010, which are excluded from Tier 1 Capital , not more than 25% of qualifying Tier 1 Capital may consist of qualifying cumulative perpetual preferred stock, trust preferred securities or other so-called restricted core capital elements. “Tier 2 Capital” may consist, subject to certain limitations, of allowance for loan and lease losses; perpetual preferred stock and related surplus; hybrid capital instruments, perpetual debt, and mandatory convertible debt securities; term subordinated debt and intermediate-term preferred stock, including related surplus; and unrealized holding gains on equity securities. “Tier 3 Capital” consists of qualifying unsecured subordinated debt.  The sum of Tier 2 and Tier 3 Capital may not exceed the amount of Tier 1 Capital.

 

66

 

 

       

 

Pursuant to the Dodd-Frank Act, federal banking agencies have adopted new capital rules that became effective January 1, 2014 for advanced approaches banking organizations (i.e., those with consolidated assets greater than $250 billion or consolidated on-balance sheet foreign exposures of at least $10 billion) and January 1, 2015 for all other covered organizations (subject to certain phase-in periods through January 1, 2019) and that will replace their general risk-based capital rules, advanced approaches rule, market risk rule, and leverage rules.

 

The new capital rules provide certain changes to the prompt corrective action regulations adopted by the agencies under Section 38 of the FDIA, as amended by FDICIA.  These regulations are designed to place restrictions on U.S. insured depository institutions if their capital levels begin to show signs of weakness.  The five capital categories established by the agencies under their prompt corrective action framework are: “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized” and “critically undercapitalized”.   As of December 31, 2013 and 2012, the Company is “well capitalized” for regulatory purposes.

 

The new capital rules expand such categories by introducing a common equity tier 1 capital requirement for all depository institutions, revising the minimum risk-based capital ratios and, beginning in 2018, the proposed supplementary leverage requirement for advanced approaches banking organizations.  The common equity tier 1 capital ratio is a new minimum requirement designed to ensure that banking organizations hold sufficient high-quality regulatory capital that is available to absorb losses on a going-concern basis.   

 

The Bank is considered “well capitalized” under the regulatory framework for prompt corrective action. The table below shows the Bank’s regulatory capital ratios at December 31, 2013, 2012 and 2011:

 

  

December 31,

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

%

  

2011 

  

(Dollars in thousands)

Oriental Bank Regulatory Capital Ratios:

  

  

  

  

  

  

  

  

  

  

    Total Tier 1 Capital to Total Assets

  

8.57%

  

  

5.76%

  

48.8%

  

  

9.06%

    Actual tier 1 capital

$

 689,174 

  

$

 604,997 

  

13.9%

  

$

 616,590 

    Minimum capital requirement (4%)

$

 321,551 

  

$

 420,298 

  

-23.5%

  

$

 272,177 

    Minimum to be well capitalized (5%)

$

 401,939 

  

$

 525,373 

  

-23.5%

  

$

 340,221 

    Tier 1 Capital to Risk-Weighted Assets

  

13.47%

  

  

11.80%

  

14.2%

  

  

29.79%

    Actual tier 1 risk-based capital

$

 689,174 

  

$

 604,997 

  

13.9%

  

$

 616,590 

    Minimum capital requirement (4%)

$

 204,627 

  

$

 205,134 

  

-0.2%

  

$

 82,787 

    Minimum to be well capitalized (6%)

$

 306,940 

  

$

 307,701 

  

-0.2%

  

$

 124,180 

    Total Capital to Risk-Weighted Assets

  

15.26%

  

  

14.03%

  

8.8%

  

  

31.07%

    Actual total risk-based capital

$

 780,487 

  

$

 719,675 

  

8.4%

  

$

 643,065 

    Minimum capital requirement (8%)

$

 409,253 

  

$

 410,268 

  

-0.2%

  

$

 165,573 

    Minimum to be well capitalized (10%)

$

 511,567 

  

$

 512,835 

  

-0.2%

  

$

 206,967 

67

 

 

       

The Company’s common stock is traded on the New York Stock Exchange (“NYSE”) under the symbol “OFG.” At December 31, 2013 and 2012, the Company’s market capitalization for its outstanding common stock was $792.0 million ($17.34 per share) and $608.5 million ($13.35 per share), respectively.

 

The following table provides the high and low prices and dividends per share of the Company’s common stock for each quarter of the last two calendar years:

 

  

  

  

  

  

  

  

Cash

  

Price

  

Dividend

  

High

  

Low

  

Per share

2013 

  

  

  

  

  

  

  

  

    December 31, 2013

$

 17.34 

  

$

 14.74 

  

$

 0.08 

    September 30,2013

$

 18.97 

  

$

 16.13 

  

$

 0.06 

    June 30, 2013

$

 18.11 

  

$

 14.26 

  

$

 0.06 

    March 31, 2013

$

 15.83 

  

$

 13.85 

  

$

 0.06 

2012 

  

  

  

  

  

  

  

  

    December 31, 2012

$

 13.35 

  

$

 9.98 

  

$

 0.06 

    September 30, 2012

$

 11.49 

  

$

 10.02 

  

$

 0.06 

    June 30, 2012

$

 12.37 

  

$

 9.87 

  

$

 0.06 

    March 31, 2012

$

 12.69 

  

$

 11.25 

  

$

 0.06 

 

Allowance for Loan and Lease Losses and Non-Performing Assets

 

The Company maintains an allowance for loan and lease losses at a level that management considers adequate to provide for probable losses based upon an evaluation of known and inherent risks. The Company’s allowance for loan and lease losses policy provides for a detailed quarterly analysis of probable losses. Tables 8 through 13 set forth an analysis of activity in the allowance for loan and lease losses and present selected loan loss statistics. In addition, Table 5 sets forth the composition of the loan portfolio.

 

Non-covered Loans

 

At December 31, 2013, the Company’s allowance for non-covered loan and lease losses amounted to $54.3 million, $49.1 million of such allowance corresponded to originated and other loans held for investment, or 2.04% of total non-covered originated and other loans held for investment at December 31, 2013, compared to $39.9 million or 3.22% of total non-covered originated and other loans held for investment at December 31, 2012. The allowance for residential mortgage loans and commercial loans decreased by 5.5% (or $1.2 million), and 12.7% (or $2.2 million), respectively, when compared with the balances recorded at December 31, 2012.  The allowance for consumer loans and auto and leases increased by 601.5% (or $5.2 million), and 1375.8% (or $7.3 million), respectively, when compared with balances recorded at December 31, 2012.  The unallocated allowance at year-end 2013 increased by 1.9%, or $7 thousand, when compared with the balance recorded at year-end 2012.

 

Please refer to the “Provision for Loan and Lease Losses” section in this MD&A for a more detailed analysis of provisions for loan and lease losses.

 

Loans acquired in a business acquisition are recorded at their fair value at the acquisition date. Credit cards, floor plans, revolving lines of credit, and auto loans with FICO scores over 660, acquired as part of the BBVAPR Acquisition are accounted for under the guidance of ASC 310-20, which requires that any differences between contractually required loan payment receivable in excess of the Company’s initial investment in the loans be accreted into interest income on a level-yield basis over the life of the loan. Loans acquired in the BBVAPR Acquisition that were accounted for under the provisions of ASC 310-20 which had fully amortized their premium or discount, recorded at the date of acquisition, at the end of the reporting period are removed from the acquired loan category. Allowance for loan and lease losses recorded for acquired loans accounted for under the provisions of ASC 310-20 at December 31, 2013 was $2.4 million. There was no allowance for loan and lease losses recorded for acquired loans accounted for under the provisions of ASC 310-20 at December 31, 2012. 

 

The remaining loans acquired in the BBVAPR Acquisition are accounted for under ASC-310-30 and were recognized at fair value as of December 18, 2012. Allowance for loan and lease losses recorded for acquired loans accounted for under ASC-310-30 at December

68

 

 

       

31, 2013 was $2.9 million. There was no allowance for loan and lease losses recorded for acquired loans accounted for under the provisions of ASC 310-30 at December 31, 2012.

 

During the third quarter of 2013, management implemented an  enhanced  methodology of the general reserve calculation for originated and other loans and for loans acquired and accounted for under ASC 310-20 in order to adapt the calculation to the new Company structure after the BBVAPR Acquisition, and better capture the risk characteristics of the different portfolio segments. Principal changes are concentrated in the commercial, consumer and auto and leasing portfolios. Commercial loan portfolio was further segmented by business line (corporate, institutional, middle market, commercial retail, floor plan, and real estate), by collateral type (secured by real estate and other commercial and industrial), and by risk rating/classification (pass, special mention, substandard, doubtful, and individually measured for impairment). The loss factor used for the general reserve of these loans is established considering the Bank's past twelve-month historical loss experience and the consideration of environmental factors. Environmental factors considered are: change in non-performing loans; migration in classification; trends in charge offs; trends in volume of loans; changes in collateral values; changes in risk selections and underwriting standards, and other changes in lending policies, procedures and practices; experience, ability and depth of lending management and other relevant staff, including the Company’s loan review system; national and local economic trends and industry conditions; and effect of external factors such as competition and regulatory requirements on the level of estimated credit losses. The sum of the loss experience factors and the environmental factors will be the GVA factor to be used for the determination of the allowance for loan and lease losses on each category. Consumer consists of smaller retail loans such as retail credit cards, overdrafts, unsecured personal lines of credit, and personal unsecured loans.  The allowance factor of consumer loans, consisting of the historical loss factors and the environmental risk factors will be calculated for each group of loans by delinquency bucket. Auto and leasing factor on these loans is impacted by the historical losses, the environmental risk factors and by delinquency buckets.  For the determination of the allowance factor, the auto and leasing portfolio will be segmented by FICO score at origination. 

 

The Company’s non-performing assets include non-performing loans and foreclosed real estate (see Tables 11 and 12). At December 31, 2013 and 2012, the Company had $86.2 million and $146.6 million, respectively, of non-accrual loans, including acquired loans accounted under ASC 310-20 (loans with revolving feature and/or acquired at a premium). Covered loans and loans acquired from BBVAPR with credit deterioration are considered to be performing due to the application of the accretion method under ASC 310-30. At December 31, 2013 and 2012, loans whose terms have been extended and which are classified as troubled-debt restructuring that are not included in non-performing assets amounted to $66.5 million and $42.2 million, respectively.

 

At December 31, 2013, the Company’s non-performing assets decreased 24.2% to $155.3 million (2.61% of total assets, excluding covered assets and acquired loans with deteriorated credit quality) from $204.8 million (3.32% of total assets, excluding covered assets and acquired loans with deteriorated credit quality) at December 31, 2012.  The Company does not expect non-performing loans to result in significantly higher losses as most are well-collateralized with adequate loan-to-value ratios. At December 31, 2013, the allowance for non-covered originated loans and lease losses to non-performing loans coverage ratio was 61.52% (27.52% at December 31, 2012).

 

The Company follows a conservative residential mortgage lending policy, with more than 90% of its residential mortgage portfolio consisting of fixed-rate, fully amortizing, fully documented loans that do not have the level of risk associated with subprime loans offered by certain major U.S. mortgage loan originators. Furthermore, the Company has never been active in negative amortization loans or adjustable rate mortgage loans, including those with teaser rates, and does not originate construction and development loans.

 

The following items comprise non-performing assets:

 

1.       Originated and other loans held for investment:

 

Mortgage loans — are placed on non-accrual status when they become 90 days or more past due and are written-down, if necessary, based on the specific evaluation of the collateral underlying the loan, except for FHA and VA insured mortgage loans which are placed in non-accrual when they become 18 months or more past due.  At December 31, 2013, the Company’s originated non-performing mortgage loans totaled $51.1 million (59.3% of the Company’s non-performing loans), a 55.6% decrease from $115.0 million (78.5% of the Company’s non-performing loans) at December 31, 2012.  Non-performing loans in this category are primarily residential mortgage loans. The non-performing loans decrease is primarily due to the reclassification of certain non-performing residential mortgage loans, with a net book value of $55.2 million, to the loan held-for-sale category. Without this re-classification to loans held-for-sale, non-performing loan balances would have been relatively consistent between December 31, 2012 and December 31, 2013.

 

69

 

 

       

Commercial loans — are placed on non-accrual status when they become 90 days or more past due and are written-down, if necessary, based on the specific evaluation of the underlying collateral, if any.  At December 31, 2013, the Company’s originated non-performing commercial loans amounted to $22.8 million (26.5% of the Company’s non-performing loans), a 22.6% decrease when compared to non-performing commercial loans of $29.5 million at December 31, 2012 (20.1% of the Company’s non-performing loans). Most of this portfolio is collateralized by commercial real estate properties.

 

Consumer loans — are placed on non-accrual status when they become 90 days past due and written-off when payments are delinquent 120 days in personal loans and 180 days in credit cards and personal lines of credit.  At December 31, 2013, the Company’s originated non-performing consumer loans amounted to $805 thousand (0.9% of the Company’s total non-performing loans), an 82.1% increase from $442 thousand at December 31, 2012 (0.3% of the Company’s total non-performing loans).

 

Auto and leases — are placed on non-accrual status when they become 90 days past due and partially written-off to collateral value when payments are delinquent 120 days, and fully written-off when payments are delinquent 180 days.  At December 31, 2013, the Company’s originated non-performing auto and leases amounted to $5.1 million (5.9% of the Company’s total non-performing loans), an increase of 3,784.7% from $131 thousand at December 31, 2012 (0.1% of the Company’s total non-performing loans).

 

2.       Acquired loans accounted for under ASC 310-20 (loans with revolving features and/or acquired at premium):

  

Commercial revolving lines of credit and credit cards - are placed on non-accrual status when they become 90 days or more past due and are written-down, if necessary, based on the specific evaluation of the underlying collateral, if any.  At December 31, 2013, the Company’s acquired non-performing commercial lines of credit accounted for under ASC 310-20 amounted to $2.5 million (3.0% of the Company’s non-performing loans), a 1217.6% increase when compared to non-performing commercial lines of credit accounted for under ASC 310-20 of $193 thousand at December 31, 2012 (0.1% of the Company’s non-performing loans).

 

Consumer revolving lines of credit and credit cards — are placed on non-accrual status when they become 90 days past due and written-off when payments are delinquent 180 days. At December 31, 2013, the Company’s acquired non-performing consumer lines of credit and credit cards accounted for under ASC 310-20 totaled $2.2 million (2.6% of the Company’s non-performing loans), an 102.6% increase when compared to non-performing consumer lines of credit and credit cards accounted for under ASC 310-20 of $1.1 million at December 31, 2012 (0.7% of the Company’s non-performing loans).

 

Auto loans acquired at premium - are placed on non-accrual status when they become 90 days past due and written-off when payments are delinquent 120 days. At December 31, 2013, the Company’s acquired non-performing auto loans accounted for under ASC 310-20 totaled $1.6 million (1.9% of the Company’s non-performing loans), a 484.7%  increase when compared to non-performing auto loans accounted for under ASC 310-20 of $275 thousand at December 31, 2012 (0.2% of the Company’s non-performing loans).

 

3.       Acquired loans accounted for under ASC 310-30 are considered to be performing due to the application of the accretion method, in which these loans will accrete interest income over the remaining life of the loans using estimated cash flow analyses. Credit related decreases in expected cash flows, compared to those previously forecasted, are recognized by recording a provision for credit losses on non-covered loans when it is probable that all cash flows expected at acquisition will not be collected.

 

4.       Foreclosed real estate is initially recorded at the lower of the related loan balance or fair value less cost to sell as of the date of foreclosure. Any excess of the loan balance over the fair value of the property is charged against the allowance for loan and lease losses. Subsequently, any excess of the carrying value over the estimated fair value less disposition cost is charged to operations. Net losses on the sale of foreclosed real estate for 2013 amounted to $3.2 million, respectively, compared to $4.4 million in 2012.

 

The Company has two mortgage loan modification programs. These are the Loss Mitigation Program and the Non-traditional Mortgage Loan Program. Both programs are intended to help responsible homeowners to remain in their homes and avoid foreclosure, while also reducing the Company’s losses on non-performing mortgage loans.

 

The Loss Mitigation Program helps mortgage borrowers who are or will become financially unable to meet the current or scheduled mortgage payments. Loans that qualify under this program are those guaranteed by FHA, VA, RHS, “Banco de la Vivienda de Puerto Rico,” conventional loans guaranteed by Mortgage Guaranty Insurance Corporation (MGIC), conventional loans sold to the FNMA and FHLMC, and conventional loans retained by the Company. The program offers diversified

70

 

 

       

alternatives such as regular or reduced payment plans, payment moratorium, mortgage loan modification, partial claims (only FHA), short sale, and payment in lieu of foreclosure.

 

The Non-traditional Mortgage Loan Program is for non-traditional mortgages, including balloon payment, interest only/interest first, variable interest rate, adjustable interest rate and other qualified loans. Non-traditional mortgage loan portfolios are segregated into the following categories: performing loans that meet secondary market requirement and are refinanced by the credit underwriting guidelines of FHA/VA/FNMA/FMAC, and performing loans not meeting secondary market guidelines, processed by the Company’s current credit and underwriting guidelines. The Company achieved an affordable and sustainable monthly payment by taking specific, sequential, and necessary steps such as reducing the interest rate, extending the loan term, capitalizing arrearages, deferring the payment of principal or, if the borrower qualifies, refinancing the loan.

 

There may not be a foreclosure sale scheduled within 60 days prior to a loan modification under any such programs. This requirement does not apply to loans where the foreclosure process has been stopped by the Company. In order to apply for any of the loan modification programs, the borrower may not be in active bankruptcy or have been discharged from Chapter 7 bankruptcy since the loan was originated. Loans in these programs are to be evaluated by management for troubled-debt restructuring classification if the Company grants a concession for legal or economic reasons due to the debtor’s financial difficulties.

 

Covered Loans

 

The allowance for loan and lease losses on covered loans acquired in the FDIC-assisted acquisition of Eurobank is accounted under the provisions of ASC 310-30. Under this accounting guidance, the allowance for loan and lease losses on covered loans is evaluated at each financial reporting period, based on forecasted cash flows. Credit related decreases in expected cash flows, compared to those previously forecasted, are recognized by recording a provision for credit losses on covered loans when it is probable that all cash flows expected at acquisition will not be collected. The portion of the loss on covered loans reimbursable from the FDIC is recorded as an offset to the provision for credit losses and increases the FDIC shared-loss indemnification asset.

 

For 2013, the net provision for covered loans amounted to $5.3 million, reflecting the Company’s revision of the expected cash flows in the covered loan portfolio considering actual experiences and changes in the Company’s expectations for the remaining terms of the loan pools. The allowance for covered loans decreased from $54.1 million at December 31, 2012 to $52.7 million at December 31, 2013.

71

 

 

       

 

TABLE 8 — ALLOWANCE FOR LOAN AND LEASE LOSSES SUMMARY

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Year Ended December 31,

  

  

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

%

  

2011 

  

 

 

 

 

 

 

 

 

 

 

Non-covered loans

  

  

  

  

  

  

  

  

  

  

 Originated and other loans:

  

  

  

  

  

  

  

  

  

  

    Balance at beginning of period

$

 39,921 

  

$

 37,010 

  

7.9%

  

$

 31,430 

      Provision for non-covered

        loan and lease losses

  

 55,579 

  

  

 13,854 

  

301.2%

  

  

 15,200 

      Charge-offs

  

 (48,541) 

  

  

 (11,451) 

  

323.9%

  

  

 (10,126) 

      Recoveries

  

 2,122 

  

  

 508 

  

317.7%

  

  

 506 

  

  

 49,081 

  

  

 39,921 

  

22.9%

  

  

 37,010 

 Acquired loans accounted for  

   under ASC 310-20:

  

  

  

  

  

  

  

  

  

  

    Balance at beginning of period

$

 - 

  

$

 - 

  

0.0%

  

$

 - 

      Provision for non-covered

        loan and lease losses

  

 9,117 

  

  

 - 

  

100.0%

  

  

 - 

      Charge-offs

  

 (11,205) 

  

  

 - 

  

100.0%

  

  

 - 

      Recoveries

  

 4,442 

  

  

 - 

  

100.0%

  

  

 - 

  

  

 2,354 

  

  

 - 

  

100.0%

  

  

 - 

 Acquired loans accounted for  

   under ASC 310-30:

  

  

  

  

  

  

  

  

  

  

    Balance at beginning of period

$

 - 

  

$

 - 

  

0.0%

  

$

 - 

      Provision for non-covered

        loan and lease losses

  

 2,863 

  

  

 - 

  

100.0%

  

  

 - 

  

  

 2,863 

  

  

 - 

  

100.0%

  

  

 - 

Total non-covered loans balance

  at end of period

$

 54,298 

  

$

 39,921 

  

36.0%

  

$

 37,010 

  

  

  

  

  

  

  

  

  

  

  

    Allowance for loans and lease

      losses on originated and other

      loans to:

  

  

  

  

  

  

  

  

  

  

      Total originated loans

  

2.04%

  

  

3.22%

  

-36.5%

  

  

3.12%

      Non-performing originated loans

  

61.52%

  

  

27.52%

  

123.6%

  

  

25.15%

  

  

  

  

  

  

  

  

  

  

  

    Allowance for loans and lease

      losses on acquired loans accounted

       for under ASC 310-20 to:

  

  

  

  

  

  

  

  

  

  

      Total acquired loans accounted

        for under ASC 310-20

  

0.54%

  

  

 - 

  

100.0%

  

  

 - 

      Non-performing acquired loans

        accounted for under ASC 310-20

  

36.95%

  

  

 - 

  

100.0%

  

  

 - 

  

  

  

  

  

  

  

  

  

  

  

Covered loans

  

  

  

  

  

  

  

  

  

  

Balance at beginning of period

$

 54,124 

  

$

 37,256 

  

45.3%

  

$

 49,286 

    Provision for covered

        loan and lease losses, net

  

 5,335 

  

  

 9,827 

  

-45.7%

  

  

 (1,387) 

    FDIC shared-loss portion on

       (provision for) recapture of loan

       and lease losses 

  

 (6,730) 

  

  

 7,041 

  

-195.6%

  

  

 (10,643) 

Balance at end of period

$

 52,729 

  

$

 54,124 

  

-2.6%

  

$

 37,256 

72

 

 

       

 

TABLE 9 — ALLOWANCE FOR NON-COVERED LOAN AND LEASE LOSSES BREAKDOWN

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

December 31,

  

2013 

  

2012 

  

Variance %

  

2011 

  

(Dollars in thousands)

Originated and other loans held for investment

  

  

  

  

  

  

  

  

  

  

 Allowance balance:

  

  

  

  

  

  

  

  

  

  

    Mortgage

$

 19,937 

  

$

 21,092 

  

-5.5%

  

$

 21,652 

    Commercial

  

 14,897 

  

  

 17,072 

  

-12.7%

  

  

 12,548 

    Consumer

  

 6,006 

  

  

 856 

  

601.6%

  

  

 1,423 

    Auto and leasing

  

 7,866 

  

  

 533 

  

1375.8%

  

  

 845 

    Unallocated allowance

  

 375 

  

  

 368 

  

1.9%

  

  

 542 

        Total allowance balance

$

 49,081 

  

$

 39,921 

  

22.9%

  

$

 37,010 

 Allowance composition:

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

40.62%

  

  

52.83%

  

-23.1%

  

  

58.52%

    Commercial

  

30.35%

  

  

42.76%

  

-29.0%

  

  

33.90%

    Consumer

  

12.24%

  

  

2.14%

  

472.0%

  

  

3.84%

    Auto and leasing

  

16.03%

  

  

1.34%

  

1096.3%

  

  

2.28%

    Unallocated allowance

  

0.76%

  

  

0.93%

  

-18.3%

  

  

1.46%

  

  

100.00%

  

  

100.00%

  

  

  

  

100.00%

 Allowance coverage ratio at end of period applicable to:

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

2.60%

  

  

2.61%

  

-0.5%

  

  

2.64%

    Commercial

  

1.32%

  

  

4.89%

  

-73.0%

  

  

4.16%

    Consumer

  

4.70%

  

  

1.83%

  

156.3%

  

  

3.57%

    Auto and leasing

  

2.07%

  

  

1.42%

  

46.0%

  

  

3.28%

    Unallocated allowance to total originated loans

  

0.02%

  

  

0.03%

  

-47.4%

  

  

0.05%

        Total allowance to total originated loans

  

2.04%

  

  

3.22%

  

-36.5%

  

  

3.11%

 Allowance coverage ratio to non-performing loans:

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

39.05%

  

  

18.34%

  

112.9%

  

  

19.74%

    Commercial

  

65.25%

  

  

57.86%

  

12.8%

  

  

33.92%

    Consumer

  

746.09%

  

  

193.67%

  

285.2%

  

  

412.46%

    Auto and leasing

  

154.57%

  

  

406.87%

  

-62.0%

  

  

828.43%

        Total

  

61.52%

  

  

27.52%

  

123.6%

  

  

25.15%

Acquired loans accounted for under ASC 310-20

  

  

  

  

  

  

  

  

  

  

 Allowance balance:

  

  

  

  

  

  

  

  

  

  

    Commercial

$

 926 

  

$

 - 

  

100.0%

  

$

 - 

    Auto

  

 1,428 

  

  

 - 

  

100.0%

  

  

 - 

        Total allowance balance

$

 2,354 

  

$

 - 

  

100.0%

  

$

 - 

 Allowance composition:

  

  

  

  

  

  

  

  

  

  

    Commercial

  

39.34%

  

  

 - 

  

100.0%

  

  

 - 

    Auto

  

60.66%

  

  

 - 

  

100.0%

  

  

 - 

  

  

100.00%

  

  

 - 

  

100.00%

  

  

 - 

 Allowance coverage ratio at end of period applicable to:

  

  

  

  

  

  

  

  

  

  

    Commercial

  

1.19%

  

  

 - 

  

100.0%

  

  

 - 

    Auto

  

0.47%

  

  

 - 

  

100.0%

  

  

 - 

        Total allowance to total acquired loans

  

0.54%

  

  

 - 

  

100.0%

  

  

 - 

 Allowance coverage ratio to non-performing loans:

  

  

  

  

  

  

  

  

  

  

    Commercial

  

36.41%

  

  

 - 

  

100.0%

  

  

 - 

    Auto

  

88.81%

  

  

 - 

  

100.0%

  

  

 - 

        Total

  

36.95%

  

  

 - 

  

100.0%

  

  

 - 

Acquired loans accounted for under ASC 310-30

  

  

  

  

  

  

  

  

  

  

 Allowance balance:

  

  

  

  

  

  

  

  

  

  

    Commercial

$

 1,713 

  

$

 - 

  

100.0%

  

$

 - 

    Consumer

  

 418 

  

  

 - 

  

100.0%

  

  

 - 

    Auto

  

 732 

  

  

 - 

  

100.0%

  

  

 - 

        Total allowance balance

$

 2,863 

  

$

 - 

  

100.0%

  

$

 - 

 Allowance composition:

  

  

  

  

  

  

  

  

  

  

    Commercial

  

72.77%

  

  

 - 

  

100.0%

  

  

 - 

    Consumer

  

14.60%

  

  

 - 

  

100.0%

  

  

 - 

    Auto

  

1.49%

  

  

 - 

  

100.0%

  

  

 - 

  

  

100.00%

  

  

 - 

  

100.00%

  

  

 - 

73

 

 

       

 

TABLE 10 — NET CREDIT LOSSES STATISTICS ON LOAN AND LEASES, EXCLUDING LOANS ACCOUNTED FOR UNDER ASC 310-30

  

Year Ended December 31,

  

  

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

%

  

2011 

  

(Dollar in thousands)

Originated and other loans and leases:

  

  

  

  

  

  

  

  

  

  

Mortgage

  

  

  

  

  

  

  

  

  

  

    Charge-offs

$

 (36,566) 

  

$

 (6,492) 

  

463.2%

  

$

 (5,836) 

    Recoveries

  

 6 

  

  

 131 

  

-95.4%

  

  

 101 

        Total

  

 (36,560) 

  

  

 (6,361) 

  

474.8%

  

  

 (5,735) 

Commercial

  

  

  

  

  

  

  

  

  

  

    Charge-offs

  

 (5,889) 

  

  

 (4,081) 

  

44.3%

  

  

 (2,506) 

    Recoveries

  

 383 

  

  

 156 

  

145.5%

  

  

 161 

        Total

  

 (5,506) 

  

  

 (3,925) 

  

40.3%

  

  

 (2,345) 

Consumer

  

  

  

  

  

  

  

  

  

  

    Charge-offs

  

 (1,485) 

  

  

 (739) 

  

100.9%

  

  

 (1,587) 

    Recoveries

  

 165 

  

  

 194 

  

-14.9%

  

  

 234 

        Total

  

 (1,320) 

  

  

 (545) 

  

142.2%

  

  

 (1,353) 

Auto

  

  

  

  

  

  

  

  

  

  

    Charge-offs

  

 (4,601) 

  

  

 (139) 

  

3210.1%

  

  

 (197) 

    Recoveries

  

 1,568 

  

  

 27 

  

5707.4%

  

  

 10 

        Total

  

 (3,033) 

  

  

 (112) 

  

2608%

  

  

 (187) 

Net credit losses

  

  

  

  

  

  

  

  

  

  

    Total charge-offs

  

 (48,541) 

  

  

 (11,451) 

  

323.9%

  

  

 (10,126) 

    Total recoveries

  

 2,122 

  

  

 508 

  

317.7%

  

  

 506 

        Total

$

 (46,419) 

  

$

 (10,943) 

  

324.2%

  

$

 (9,620) 

Net credit losses to average

    loans outstanding:

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

4.80%

  

  

0.81%

  

492.6%

  

  

0.66%

    Commercial  

  

0.83%

  

  

1.23%

  

-32.5%

  

  

0.92%

    Consumer

  

1.53%

  

  

1.33%

  

15.0%

  

  

4.08%

    Auto

  

1.42%

  

  

0.37%

  

283.8%

  

  

1.10%

        Total  

  

2.69%

  

  

0.93%

  

189.2%

  

  

0.82%

Recoveries to charge-offs

  

4.37%

  

  

4.44%

  

-1.5%

  

  

5.00%

Average originated loans:

  

  

  

  

  

  

  

  

  

  

    Mortgage

$

 762,403 

  

$

 781,838 

  

-2.5%

  

$

 872,966 

    Commercial

  

 663,968 

  

  

 318,716 

  

108.3%

  

  

 254,617 

    Consumer

  

 86,250 

  

  

 41,022 

  

110.3%

  

  

 33,177 

    Auto

  

 213,127 

  

  

 30,266 

  

604.2%

  

  

 17,036 

        Total

$

 1,725,748 

  

$

 1,171,842 

  

47.3%

  

$

 1,177,796 

74

 

 

       

 

TABLE 10 — NET CREDIT LOSSES STATISTICS ON LOAN AND LEASES, EXCLUDING LOANS ACCOUNTED FOR UNDER ASC 310-30 (CONTINUED)

  

Year Ended December 31,

  

  

  

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

  

%

  

2011 

  

(Dollars in thousands)

Acquired loans accounted for under ASC 310-20:

  

  

  

  

  

  

  

  

  

  

  

Commercial

  

  

  

  

  

  

  

  

  

  

  

    Charge-offs

$

 (25) 

  

$

 - 

  

$

100.0%

  

$

 - 

    Recoveries

  

 9 

  

  

 - 

  

  

100.0%

  

  

 - 

        Total

  

 (16) 

  

  

 - 

  

  

100.0%

  

  

 - 

Consumer

  

  

  

  

  

  

  

  

  

  

  

    Charge-offs

  

 (5,530) 

  

  

 - 

  

  

100.0%

  

  

 - 

    Recoveries

  

 1,035 

  

  

 - 

  

  

100.0%

  

  

 - 

        Total

  

 (4,495) 

  

  

 - 

  

  

100.0%

  

  

 - 

Auto

  

  

  

  

  

  

  

  

  

  

  

    Charge-offs

  

 (5,450) 

  

  

 - 

  

  

100.0%

  

  

 - 

    Recoveries

  

 3,398 

  

  

 - 

  

  

100.0%

  

  

 - 

        Total

  

 (2,052) 

  

  

 - 

  

  

100.0%

  

  

 - 

Net credit losses

  

  

  

  

  

  

  

  

  

  

  

    Total charge-offs

  

 (11,204) 

  

  

 - 

  

  

100.0%

  

  

 - 

    Total recoveries

  

 4,442 

  

  

 - 

  

  

100.0%

  

  

 - 

        Total

$

 (6,762) 

  

$

 - 

  

  

100.0%

  

$

 - 

Net credit losses to average

    loans outstanding:

  

  

  

  

  

  

  

  

  

  

  

    Commercial

  

0.01%

  

  

 - 

  

  

100.0%

  

  

 - 

    Consumer

  

7.03%

  

  

 - 

  

  

100.0%

  

  

 - 

    Auto

  

0.54%

  

  

 - 

  

  

100.0%

  

  

 - 

        Total  

  

0.89%

  

  

 - 

  

  

100.0%

  

  

 - 

Recoveries to charge-offs

  

39.65%

  

  

 - 

  

  

100.0%

  

  

 - 

Average loans accounted for under ASC 310-20:

  

  

  

  

  

  

  

  

  

  

  

    Commercial

$

 311,546 

  

$

 12,893 

  

$

2316.4%

  

$

 - 

    Consumer

  

 63,983 

  

  

 2,440 

  

  

2522.3%

  

  

 - 

    Auto

  

 382,770 

  

  

 16,842 

  

  

2172.7%

  

  

 - 

        Total

$

 758,299 

  

$

 32,175 

  

$

2256.8%

  

$

 - 

75

 

 

       

 

TABLE 11 — NON-PERFORMING ASSETS

  

  

  

  

December 31,

  

  

  

  

  

Variance

  

  

  

  

2013 

  

2012 

  

(%)

  

2011 

  

(Dollars in thousands)

Non-performing assets:

  

  

  

  

  

  

  

  

  

  

    Non-accruing loans

  

  

  

  

  

  

  

  

  

  

        Troubled Debt Restructuring loans

$

 26,847 

  

$

 50,468 

  

-46.8%

  

$

 28,889 

        Other loans

  

 56,430 

  

  

 96,176 

  

-41.3%

  

  

 118,251 

    Accruing loans

  

  

  

  

  

  

  

  

  

  

        Troubled Debt Restructuring loans

  

 1,898 

  

  

 - 

  

100.0%

  

  

 - 

        Other loans

  

 977 

  

  

 - 

  

100.0%

  

  

 - 

            Total non-performing loans

$

 86,152 

  

$

 146,644 

  

-41.3%

  

$

 147,140 

    Foreclosed real estate not covered under the

        shared-loss agreements with the FDIC

  

 56,815 

  

  

 51,890 

  

9.5%

  

  

 13,812 

    Other repossessed assets

  

 12,314 

  

  

 5,941 

  

107.3%

  

  

 - 

    Mortgage loans held for sale

  

 - 

  

  

 319 

  

-100.0%

  

  

 1,472 

  

$

 155,281 

  

$

 204,794 

  

-24.2%

  

$

 162,424 

Non-performing assets to total assets, excluding covered assets and acquired loans with deteriorated credit quality (including those by analogy)

  

2.61%

  

  

3.32%

  

-21.2%

  

  

2.63%

Non-performing assets to total capital

  

17.55%

  

  

23.71%

  

-26.0%

  

  

23.35%

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

Interest that would have been recorded in the period if the

    loans had not been classified as non-accruing loans

$

 1,468 

  

$

 5,867 

  

$

 5,415 
                 

76

 

 

       

 

TABLE 12 — NON-PERFORMING LOANS

  

  

  

  

December 31,

  

  

  

  

  

Variance

  

  

  

2013 

  

2012 

  

%

  

2011 

  

(Dollars in thousands)

Non-performing loans:

  

  

  

  

  

  

  

  

  

  

  Originated and other loans held for investment

  

  

  

  

  

  

  

  

  

  

    Mortgage

$

 51,058 

  

$

 115,002 

  

-55.6%

  

$

 109,705 

    Commercial

  

 22,830 

  

  

 29,506 

  

-22.6%

  

  

 36,988 

    Consumer

  

 805 

  

  

 442 

  

82.1%

  

  

 345 

    Auto and leasing

  

 5,089 

  

  

 131 

  

3784.7%

  

  

 102 

    Acquired loans accounted for under ASC 310-20 (Loans with

        revolving feature and/or acquired at a premium)

  

  

  

  

  

  

  

  

  

  

    Commercial

  

 2,543 

  

  

 193 

  

1217.6%

  

  

 - 

    Consumer

  

 2,219 

  

  

 1,095 

  

102.6%

  

  

 - 

    Auto

  

 1,608 

  

  

 275 

  

484.7%

  

  

 - 

        Total

$

 86,152 

  

$

 146,644 

  

-41.3%

  

$

 147,140 

Non-performing loans composition percentages:

  

  

  

  

  

  

  

  

  

  

  Originated loans

  

  

  

  

  

  

  

  

  

  

    Mortgage

  

59.3%

  

  

78.5%

  

  

  

  

74.6%

    Commercial

  

26.5%

  

  

20.1%

  

  

  

  

25.1%

    Consumer

  

0.9%

  

  

0.3%

  

  

  

  

0.2%

    Auto and leasing

  

5.9%

  

  

0.1%

  

  

  

  

0.1%

    Acquired loans accounted for under ASC 310-20 (Loans with

        revolving feature and/or acquired at a premium)

  

  

  

  

  

  

  

  

  

  

    Commercial

  

3.0%

  

  

0.1%

  

  

  

  

0.0%

    Consumer

  

2.6%

  

  

0.7%

  

  

  

  

0.0%

    Auto

  

1.9%

  

  

0.2%

  

  

  

  

0.0%

        Total

  

100.0%

  

  

100.0%

  

  

  

  

100.0%

Non-performing loans to:

  

  

  

  

  

  

  

  

  

  

    Total loans, excluding covered loans and loans accounted for

        under ASC 310-30 (including those by analogy)

  

3.04%

  

  

6.88%

  

-55.8%

  

  

12.58%

    Total assets, excluding covered assets and loans accounted for

        under ASC 310-30 (including those by analogy)

  

1.45%

  

  

2.38%

  

-39.0%

  

  

2.38%

    Total capital

  

9.74%

  

  

17.04%

  

-42.9%

  

  

21.15%

Non-performing loans with partial charge-offs to:

  

  

  

  

  

  

  

  

  

  

    Total loans, excluding covered loans and loans accounted for

        under ASC 310-30 (including those by analogy)

  

0.83%

  

  

2.01%

  

-58.6%

  

  

2.91%

    Non-performing loans

  

27.35%

  

  

29.17%

  

-6.2%

  

  

23.15%

Other non-performing loans ratios:

  

  

  

  

  

  

  

  

  

  

    Charge-off rate on non-performing loans to non-performing loans

        on which charge-offs have been taken

  

56.05%

  

  

27.86%

  

101.2%

  

  

23.27%

    Allowance for loan and lease losses to non-performing

        loans on which no charge-offs have been taken

  

82.18%

  

  

37.81%

  

117.3%

  

  

27.70%

77

 

 

       

 

TABLE 13 — HIGHER RISK RESIDENTIAL MORTGAGE LOANS

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

December 31, 2013

  

Higher-Risk Residential Mortgage Loans* 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

High Loan-to-Value Ratio Mortgages 

  

Junior Lien Mortgages 

  

Interest Only Loans 

  

LTV 90% and over 

  

Carrying  

  

  

  

  

  

  

Carrying  

  

  

  

  

  

  

Carrying  

  

  

  

  

  

  

Value 

  

Allowance 

  

Coverage 

  

Value 

  

Allowance 

  

Coverage 

  

Value 

  

Allowance 

  

Coverage 

  

(In thousands) 

Delinquency:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

0 - 89 days

$

 13,332 

  

$

 318 

  

2.39%

  

$

 25,095 

  

$

 909 

  

3.62%

  

$

 90,469 

  

$

 2,378 

  

2.63%

90 - 119 days

  

 57 

  

  

 3 

  

5.26%

  

  

 - 

  

  

 - 

  

0.00%

  

  

 481 

  

  

 27 

  

5.61%

120 - 179 days

  

 82 

  

  

 4 

  

4.88%

  

  

 148 

  

  

 27 

  

18.24%

  

  

 1,067 

  

  

 88 

  

8.25%

180 - 364 days

  

 14 

  

  

 1 

  

7.14%

  

  

 153 

  

  

 26 

  

16.99%

  

  

 1,353 

  

  

 116 

  

8.57%

365+ days

  

 386 

  

  

 40 

  

10.36%

  

  

 270 

  

  

 78 

  

28.89%

  

  

 1,553 

  

  

 213 

  

13.72%

Total

$

 13,871 

  

$

 366 

  

2.64%

  

$

 25,666 

  

$

 1,040 

  

4.05%

  

$

 94,923 

  

$

 2,822 

  

2.97%

Percentage of total loans excluding

    acquired loans accounted for under ASC 310-30

  

0.48%

  

  

  

  

  

  

  

0.89%

  

  

  

  

  

  

  

3.29%

  

  

  

  

  

Refinanced or Modified Loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Amount

$

 2,406 

  

$

 224 

  

9.31%

  

$

 - 

  

$

 - 

  

0.00%

  

$

 17,821 

  

$

 1,506 

  

8.45%

Percentage of Higher-Risk Loan

    Category

  

17.35%

  

  

  

  

  

  

  

0.00%

  

  

  

  

  

  

  

18.77%

  

  

  

  

  

Loan-to-Value Ratio:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Under 70%

$

 9,983 

  

$

 242 

  

2.42%

  

$

 2,726 

  

$

 164 

  

6.02%

  

$

 - 

  

$

 - 

  

-  

70% - 79%

  

 2,697 

  

  

 60 

  

2.22%

  

  

 3,857 

  

  

 156 

  

4.04%

  

  

 - 

  

  

 - 

  

-  

80% - 89%

  

 887 

  

  

 21 

  

2.37%

  

  

 7,281 

  

  

 254 

  

3.49%

  

  

 - 

  

  

 - 

  

-  

90% and over

  

 304 

  

  

 43 

  

14.14%

  

  

 11,802 

  

  

 466 

  

3.95%

  

  

 94,923 

  

  

 2,822 

  

2.97%

  

$

 13,871 

  

$

 366 

  

2.64%

  

$

 25,666 

  

$

 1,040 

  

4.05%

  

$

 94,923 

  

$

 2,822 

  

2.97%

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

* Loans may be included in more than one higher-risk loan category and excludes acquired residential mortgage loans.

 

The following table includes the Company's lending and investment exposure to the Puerto Rico Government, including its agencies and instrumentalities:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

TABLE 14 - PUERTO RICO GOVERNMENT RELATED LOANS AND SECURITIES

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

December 31, 2013

  

  

  

  

  

  

Maturity

  

  

  

  

  

  

  

Loans and Securities:

  

  

Carrying Value

  

  

Less than 1 Year

  

  

1 to 3 Years

  

  

More than 3 Years

  

Comments

  

  

  

  

(In thousands)

  

  

  

  

  

  

  

Central government

  

$

 140.8 

  

$ 

 110.8 

  

$ 

 - 

  

$ 

 30.0 

  

  

Repayment sources include all available revenues of the Commonwealth

  

  

Public corporations

  

  

 344.5 

  

  

 191.4 

  

  

 62.5 

  

  

 90.6 

  

  

$88.9 million which mature in more than 3 years, with pledged securities (rating > A)

  

  

Municipalities

  

  

 227.8 

  

  

 - 

  

  

 0.5 

  

  

 227.3 

  

  

Repayment from property taxes

  

  

Investment securities

  

  

 146.3 

  

  

 124.0 

  

  

 - 

  

  

 22.3 

  

  

$98.7 million which mature in less than a year, sources of repayment include all available revenues of the Commonwealth

  

  

Total

  

$

 859.4 

  

$ 

 426.2 

  

$ 

 63.0 

  

$ 

 370.2 

  

  

  

  

  

  

  

78

 

 

       

 

Some highlights follow on the data included above:

 

·         Loans to Puerto Rico central government and public corporations are collateralized or have specific repayment sources.

·         Loans to municipalities are backed by unlimited taxing power or real and personal property taxes.

·         50% of loans and securities balances mature in 12-months or less.

·         Amounts in the table above do not include total valuation allowance of approximately 2.39%.

·         Investment securities include $98.7 million acquired credit positions consisting of privately placed PR bonds.

·         Deposits from municipalities, central government and other government entities totaled $334.9 million at December 31, 2013. However, this amount is expected to decline as a result of recently enacted legislation to improve the liquidity of the Government Development Bank for Puerto Rico (“GDB”) by requiring the Commonwealth’s agencies and instrumentalities to maintain certain deposits at GDB. 

 

Contractual Obligations and Commercial Commitments

 

As disclosed in the notes to the Company’s consolidated financial statements, the Company has certain obligations and commitments to make future payments under contracts. At December 31, 2013, the aggregate contractual obligations and commercial commitments, excluding accrued interests and unamortized premiums (discounts), are as follows:  

 

  

Payments Due by Period

  

Total

  

Less than 1 year

  

1 - 3 years

  

3 - 5 years

  

After 5 years

CONTRACTUAL OBLIGATIONS:

(In thousands)

Securities sold under agreements to repurchase

$

 1,265,000 

  

$

 340,000 

  

$

 425,000 

  

$

 500,000 

  

$

 - 

Advances from FHLB

  

 335,808 

  

  

 265,589 

  

  

 4,730 

  

  

 55,000 

  

  

 10,489 

Subordinated capital notes

  

 103,083 

  

  

 - 

  

  

 67,000 

  

  

 - 

  

  

 36,083 

Other term notes

  

 2,734 

  

  

 - 

  

  

 1,000 

  

  

 - 

  

  

 1,734 

Annual rental commitments under noncancelable

        operating leases

  

 57,750 

  

  

 8,182 

  

  

 15,297 

  

  

 12,521 

  

  

 21,750 

Certificates of deposits

  

 2,028,278 

  

  

 1,142,159 

  

  

 689,369 

  

  

 196,750 

  

  

 - 

        Total

$

 3,792,653 

  

$

 1,755,930 

  

$

 513,027 

  

$

 567,521 

  

$

 70,056 

 

79

 

 

       

Loan commitments, which represent unused lines of credit and letters of credit provided to customers, decreased to $520.3 million for 2013, as compared to $591.7 million from the previous year. In 2012, as part of the BBVAPR Acquisition, the Company assumed commitment amounted to $461.6 million. Commitments to extend credit are agreements to lend to customers as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates, bear variable interest rate and may require payment of a fee. Since the commitments may expire unexercised, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. Commitments for loans covered under the FDIC shared-loss agreements amounted to $11.4 million at December 31, 2013.

Impact of Inflation and Changing Prices

The financial statements and related data presented herein (except for certain non-GAAP measures as previously indicated) have been prepared in accordance with GAAP which require the measurement of financial position and operating results in terms of historical dollars without considering changes in the relative purchasing power of money over time due to inflation.

Unlike most industrial companies, virtually all of the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates have a more significant impact on a financial institution’s performance than the effects of general levels of inflation. Interest rates do not necessarily move in the same direction or with the same magnitude as the prices of goods and services since such prices are affected by inflation.

80

 

 

       

QUARTERLY FINANCIAL DATA (Unaudited)

 

The following is a summary of the unaudited quarterly results of operations:

  

TABLE 15 — SELECTED QUARTERLY FINANCIAL DATA:

 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

March 31, 

  

June 30, 

  

September 30, 

  

December 31, 

  

Total 

  

2013 

  

2013 

  

2013 

  

2013 

  

2013 

EARNINGS DATA:

(In thousands, except per share data)

  

  

  

Interest income

$

 114,172 

  

$

 126,302 

  

$

 121,101 

  

$

 132,057 

  

$

 493,632 

Interest expense

  

 20,556 

  

  

 20,007 

  

  

 22,010 

  

  

 21,387 

  

  

 83,960 

    Net interest income

  

 93,616 

  

  

 106,295 

  

  

 99,091 

  

  

 110,670 

  

  

 409,672 

Provision for non-covered loan and lease losses

  

 7,916 

  

  

 37,527 

  

  

 9,900 

  

  

 12,216 

  

  

 67,559 

Provision for covered loan and lease losses, net

  

 672 

  

  

 1,211 

  

  

 3,074 

  

  

 378 

  

  

 5,335 

    Total provision for loan and lease losses, net

  

 8,588 

  

  

 38,738 

  

  

 12,974 

  

  

 12,594 

  

  

 72,894 

        Net interest income after provision for loan

            and lease losses

  

 85,028 

  

  

 67,557 

  

  

 86,117 

  

  

 98,076 

  

  

 336,778 

Non-interest income

  

 10,099 

  

  

 6,871 

  

  

 3,362 

  

  

 (2,819) 

  

  

 17,513 

Non-interest expenses

  

 66,809 

  

  

 68,822 

  

  

 63,273 

  

  

 65,650 

  

  

 264,554 

    Income before taxes

  

 28,318 

  

  

 5,606 

  

  

 26,206 

  

  

 29,607 

  

  

 89,737 

Income tax expense (benefit)

  

 7,126 

  

  

 (31,934) 

  

  

 6,585 

  

  

 9,514 

  

  

 (8,709) 

    Net income

  

 21,192 

  

  

 37,540 

  

  

 19,621 

  

  

 20,093 

  

  

 98,446 

Less: dividends on preferred stock

  

 (3,465) 

  

  

 (3,466) 

  

  

 (3,465) 

  

  

 (3,466) 

  

  

 (13,862) 

    Income available to common shareholders

$

 17,727 

  

$

 34,074 

  

$

 16,156 

  

$

 16,627 

  

$

 84,584 

PER SHARE DATA:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Basic

$

 0.39 

  

$

 0.75 

  

$

 0.35 

  

$

 0.36 

  

$

 1.85 

Diluted

$

 0.37 

  

$

 0.68 

  

$

 0.34 

  

$

 0.35 

  

$

 1.73 

 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

March 31, 

  

June 30, 

  

September 30, 

  

December 31, 

  

Total 

  

2012 

  

2012 

  

2012 

  

2012 

  

2012 

EARNINGS DATA:

(In thousands, except per share data)

  

  

  

Interest income

$

 69,911 

  

$

 60,784 

  

$

 65,676 

  

$

 64,437 

  

$

 260,808 

Interest expense

  

 30,413 

  

  

 27,130 

  

  

 24,941 

  

  

 21,034 

  

  

 103,518 

    Net interest income

  

 39,498 

  

  

 33,654 

  

  

 40,735 

  

  

 43,403 

  

  

 157,290 

Provision for non-covered loan and lease losses

  

 3,000 

  

  

 3,800 

  

  

 3,600 

  

  

 3,454 

  

  

 13,854 

Provision for covered loan and lease losses, net

  

 7,157 

  

  

 1,467 

  

  

 221 

  

  

 982 

  

  

 9,827 

    Total provision for loan and lease losses, net

  

 10,157 

  

  

 5,267 

  

  

 3,821 

  

  

 4,436 

  

  

 23,681 

        Net interest income after provision for loan

            and lease losses

  

 29,341 

  

  

 28,387 

  

  

 36,914 

  

  

 38,967 

  

  

 133,609 

Non-interest income

  

 12,650 

  

  

 17,337 

  

  

 14,390 

  

  

 (18,098) 

  

  

 26,279 

Non-interest expenses

  

 29,398 

  

  

 29,709 

  

  

 31,649 

  

  

 41,276 

  

  

 132,032 

    Income (loss) before taxes

  

 12,593 

  

  

 16,015 

  

  

 19,655 

  

  

 (20,407) 

  

  

 27,856 

Income tax expense (benefit)

  

 1,937 

  

  

 1,057 

  

  

 1,894 

  

  

 (1,587) 

  

  

 3,301 

    Net Income (loss)

  

 10,656 

  

  

 14,958 

  

  

 17,761 

  

  

 (18,820) 

  

  

 24,555 

Less: dividends on preferred stock

  

 (1,201) 

  

  

 (1,200) 

  

  

 (3,039) 

  

  

 (4,499) 

  

  

 (9,939) 

    Income (loss) available to common shareholders

$

 9,455 

  

$

 13,758 

  

$

 14,722 

  

$

 (23,319) 

  

$

 14,616 

PER SHARE DATA:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Basic

$

 0.23 

  

$

 0.34 

  

$

 0.36 

  

$

 (0.53) 

  

$

 0.35 

Diluted

$

 0.23 

  

$

 0.34 

  

$

 0.35 

  

$

 (0.53) 

  

$

 0.35 

81

 

 

       

ITEM 7A.    QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

Background

 

The Company’s risk management policies are established by its Board of Directors (the “Board”) and implemented by management through the adoption of a risk management program, which is overseen and monitored by the Chief Risk Officer and the Risk Management and Compliance Committee. The Company has continued to refine and enhance its risk management program by strengthening policies, processes and procedures necessary to maintain effective risk management.

 

All aspects of the Company’s business activities are susceptible to risk. Consequently, risk identification and monitoring are essential to risk management. As more fully discussed below, the Company’s primary risk exposures include, market, interest rate, credit, liquidity, operational and concentration risks.

 

Market Risk

 

Market risk is the risk to earnings or capital arising from adverse movements in market rates or prices, such as interest rates or prices. The Company evaluates market risk together with interest rate risk. The Company’s financial results and capital levels are constantly exposed to market risk. The Board and management are primarily responsible for ensuring that the market risk assumed by the Company complies with the guidelines established by policies approved by the Board. The Board has delegated the management of this risk to the Asset/Liability Management Committee (“ALCO”) which is composed of certain executive officers from the business, treasury and finance areas. One of ALCO’s primary goals is to ensure that the market risk assumed by the Company is within the parameters established in such policies.

 

Interest Rate Risk

 

Interest rate risk is the exposure of the Company’s earnings or capital to adverse movements in interest rates. It is a predominant market risk in terms of its potential impact on earnings. The Company manages its asset/liability position in order to limit the effects of changes in interest rates on net interest income. ALCO oversees interest rate risk, liquidity management and other related matters.

 

In discharging its responsibilities, ALCO examines current and expected conditions in global financial markets, competition and prevailing rates in the local deposit market, liquidity, unrealized gains and losses in securities, recent or proposed changes to the investment portfolio, alternative funding sources and their costs, hedging and the possible purchase of derivatives such as swaps, and any tax or regulatory issues which may be pertinent to these areas.

 

On a monthly basis, the Company performs a net interest income simulation analysis on a consolidated basis to estimate the potential change in future earnings from projected changes in interest rates. These simulations are carried out over a one-year time horizon, assuming certain gradual upward and downward interest rate movements, achieved during a twelve-month period. Simulations are carried out in two ways:

 

(i)       using a static balance sheet as the Company had on the simulation date, and

 

(ii)     using a dynamic balance sheet based on recent growth patterns and business strategies.

 

The balance sheet is divided into groups of assets and liabilities detailed by maturity or re-pricing and their corresponding interest yields and costs. As interest rates rise or fall, these simulations incorporate expected future lending rates, current and expected future funding sources and costs, the possible exercise of options, changes in prepayment rates, deposits decay and other factors which may be important in projecting the future growth of net interest income.

 

The Company uses a software application to project future movements in the Company’s balance sheet and income statement. The starting point of the projections generally corresponds to the actual values of the balance sheet on the date of the simulations.

82

 

 

       

These simulations are highly complex, and use many simplifying assumptions that are intended to reflect the general behavior of the Company over the period in question. There can be no assurance that actual events will match these assumptions in all cases. For this reason, the results of these simulations are only approximations of the true sensitivity of net interest income to changes in market interest rates. The following table presents the results of the simulations at December 31, 2013 for the most likely scenario, assuming a one-year time horizon:

 

  

Net Interest Income Risk (one year projection)

  

Static Balance Sheet

  

Growing Simulation

  

Amount

  

Percent

  

Amount

  

Percent

  

Change

  

Change

  

Change

  

Change

Change in interest rate

(Dollars in thousands)

+ 200 Basis points

$

 7,019 

  

2.02%

  

$

 6,259 

  

1.81%

+ 100 Basis points

$

 4,328 

  

1.25%

  

$

 3,952 

  

1.14%

- 50 Basis points

$

 (447) 

  

-0.13%

  

$

 (444) 

  

-0.13%

 

The impact of -100 and -200 basis point reductions in interest rates is not presented in view of current level of the federal funds rate and other short-term interest rates.

 

Future net interest income could be affected by the Company’s investments in callable securities, prepayment risk related to mortgage loans and mortgage-backed securities, and any structured repurchase agreements and advances from the FHLB-NY in which it may enter into from time to time. As part of the strategy to limit the interest rate risk and reduce the re-pricing gaps of the Company’s assets and liabilities, the Company has executed certain transactions which include extending the maturity and the re-pricing frequency of the liabilities to longer terms reducing  the amounts of its structured repurchase agreements and entering into hedge-designated swaps to hedge the variability of future interest cash flows of forecasted wholesale borrowings that only consist of advances from the FHLB-NY  as of December 31, 2013.

 

The Company maintains an overall interest rate risk management strategy that incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility. The Company’s goal is to manage interest rate sensitivity by modifying the repricing or maturity characteristics of certain balance sheet assets and liabilities so that the net interest margin is not, on a material basis, adversely affected by movements in interest rates. As a result of interest rate fluctuations, hedged fixed-rate assets and liabilities will appreciate or depreciate in market value. Also, for some fixed-rate assets or liabilities, the effect of this variability in earnings is expected to be substantially offset by the Company’s gains and losses on the derivative instruments that are linked to the forecasted cash flows of these hedged assets and liabilities. The Company considers its strategic use of derivatives to be a prudent method of managing interest-rate sensitivity as it reduces the exposure of earnings and the market value of its equity to undue risk posed by changes in interest rates. The effect of this unrealized appreciation or depreciation is expected to be substantially offset by the Company’s gains or losses on the derivative instruments that are linked to these hedged assets and liabilities. Another result of interest rate fluctuations is that the contractual interest income and interest expense of hedged variable-rate assets and liabilities, respectively, will increase or decrease.

 

Derivative instruments that are used as part of the Company’s interest risk management strategy include interest rate swaps, forward-settlement swaps, futures contracts, and option contracts that have indices related to the pricing of specific balance sheet assets and liabilities. Interest rate swaps generally involve the exchange of fixed and variable-rate interest payments between two parties based on a common notional principal amount and maturity date. Interest rate futures generally involve exchanged-traded contracts to buy or sell U.S. Treasury bonds and notes in the future at specified prices. Interest rate options represent contracts that allow the holder of the option to (i) receive cash or (ii) purchase, sell, or enter into a financial instrument at a specified price within a specified period. Some purchased option contracts give the Company the right to enter into interest rate swaps and cap and floor agreements with the writer of the option. In addition, the Company enters into certain transactions that contain embedded derivatives. When the embedded derivative possesses economic characteristics that are not clearly and closely related to the economic characteristics of the host contract, it is bifurcated and carried at fair value. Please refer to Note 11 to the accompanying audited consolidated financial statements for further information concerning the Company’s derivative activities.

 

83

 

 

       

 

Following is a summary of certain strategies, including derivative activities, currently used by the Company to manage interest rate risk:

 

Interest rate swaps — The Company entered into hedge-designated swaps to hedge the variability of future interest cash flows of forecasted wholesale borrowings, attributable to changes in the one-month LIBOR rate. Once the forecasted wholesale borrowings transactions occurred, the interest rate swap effectively fixes the Company’s interest payments on an amount of forecasted interest expense attributable to the one-month LIBOR rate corresponding to the swap notional stated rate. A derivative asset of $850 thousand (notional amount of $40.6 million) and a derivative liability of $11.8 million (notional amount of $225.0 million) were recognized at December 31, 2013, related to the valuation of these swaps. Refer to Note 11 of the audited consolidated financial statements for a description of these swaps.

 

As part of the BBVAPR Acquisition, the Company assumed certain derivative contracts from BBVAPR, including interest rate swaps not designated as hedging instruments which are utilized to convert certain variable rate loans to fixed-rate loans, and the mirror-images of these interest rate swaps in which BBVAPR entered into to minimize its interest rate risk exposure that results from offering the derivatives to clients. These interest rate swaps are marked to market through earnings. At December 31, 2013, interest rate swaps offered to clients not designated as hedging instruments represented a derivative asset of $2.9 million (notional amounts of $16.6 million), and the mirror-image interest rate swaps in which BBVAPR entered into represented a derivative liability of $2.9 million (notional amounts of  $16.6 million). Refer to Note 11 of the audited consolidated financial statements for a description of these swaps.

 

S&P options — The Company has offered its customers certificates of deposit with an option tied to the performance of the S&P 500 Index. At the end of five years, the depositor receives a minimum return or a specified percentage of the average increase of the month-end value of the S&P 500 Index. The Company uses option agreements with major money center banks and major broker-dealer companies to manage its exposure to changes in that index. Under the terms of the option agreements, the Company receives the average increase in the month-end value of S&P 500 Index in exchange for a fixed premium. The changes in fair value of the options purchased and the options embedded in the certificates of deposit are recorded in earnings.

 

At December 31, 2013 and  2012, the fair value of the purchased options used to manage the exposure to the S&P 500 Index on stock-indexed certificates of deposit represented an asset of $16.4 million (notional amounts of  $28.0 million) and $13.2 million, respectively, and the options sold to customers embedded in the certificates of deposit represented a liability of $15.7 million (notional amount of $26.9 million) and $12.7 million (notional amount of $62.3 million), respectively.

 

Wholesale borrowings — The Company uses interest rate swaps to hedge the variability of interest cash flows of certain advances from the FHLB-NY that are tied to a variable rate index. The interest rate swaps effectively fix the Company’s interest payments on these borrowings. As of December 31, 2013, the Company had $266 million in interest rate swaps at an average rate of 2.60% designated as cash flow hedges for $266 million in advances from the FHLB-NY that reprice or are being rolled over on a monthly basis. 

 

Credit Risk

 

Credit risk is the possibility of loss arising from a borrower or counterparty in a credit-related contract failing to perform in accordance with its terms. The principal source of credit risk for the Company is its lending activities. In Puerto Rico, the Company’s principal market, economic conditions are challenging, as they have been for the last eight years, due to a shrinking population, a protracted economic recession, a housing sector that remains under pressure, and the Puerto Rico government’s large indebtedness and structural budget deficit, and the recent rating downgrades of Puerto Rico general obligations and certain other government bonds to levels that are below investment grade.

 

The Company manages its credit risk through a comprehensive credit policy which establishes sound underwriting standards by monitoring and evaluating loan portfolio quality, and by the constant assessment of reserves and loan concentrations. The Company also employs proactive collection and loss mitigation practices.

 

The Company may also encounter risk of default in relation to its securities portfolio. The securities held by the Company are principally agency mortgage-backed securities. Thus, a substantial portion of these instruments are guaranteed by mortgages, a U.S. government-sponsored entity, or the full faith and credit of the U.S. government.

 

84

 

 

       

The Company’s Executive Credit Committee, composed of its Chief Executive Officer, Chief Credit Risk Officer and other senior executives, has primary responsibility for setting strategies to achieve the Company’s credit risk goals and objectives. Those goals and objectives are set forth in the Company’s Credit Policy as approved by the Board.

 

Liquidity Risk

 

Liquidity risk is the risk of the Company not being able to generate sufficient cash from either assets or liabilities to meet obligations as they become due without incurring substantial losses. The Board has established a policy to manage this risk. The Company’s cash requirements principally consist of deposit withdrawals, contractual loan funding, repayment of borrowings as these mature, and funding of new and existing investments as required.

 

The Company’s business requires continuous access to various funding sources. While the Company is able to fund its operations through deposits as well as through advances from the FHLB-NY and other alternative sources, the Company’s business is dependent upon other wholesale funding sources. Although the Company has selectively reduced its use of wholesale funding sources, such as repurchase agreements and brokered deposits, it is still dependent on wholesale funding sources. As of December 31, 2013, the Company had $1.265 billion in repurchase agreements and $828.1 million in brokered deposits.  

 

Brokered deposits are typically offered through an intermediary to small retail investors. The Company’s ability to continue to attract brokered deposits is subject to variability based upon a number of factors, including volume and volatility in the global securities markets, the Company’s credit rating, and the relative interest rates that it is prepared to pay for these liabilities. Brokered deposits are generally considered a less stable source of funding than core deposits obtained through retail bank branches. Investors in brokered deposits are generally more sensitive to interest rates and will generally move funds from one depository institution to another based on small differences in interest rates offered on deposits.

 

The Company participates in the Federal Reserve Bank’s Borrower-In Custody Program which allows it to pledge certain type of loans while keeping physical control of the collateral.

 

Although the Company expects to have continued access to credit from the foregoing sources of funds, there can be no assurance that such financing sources will continue to be available or will be available on favorable terms. In a period of financial disruption or if negative developments occur with respect to the Company, the availability and cost of the Company’s funding sources could be adversely affected. In that event, the Company’s cost of funds may increase, thereby reducing its net interest income, or the Company may need to dispose of a portion of its investment portfolio, which depending upon market conditions, could result in realizing a loss or experiencing other adverse accounting consequences upon any such dispositions. The Company’s efforts to monitor and manage liquidity risk may not be successful to deal with dramatic or unanticipated changes in the global securities markets or other reductions in liquidity driven by the Company or market-related events. In the event that such sources of funds are reduced or eliminated and the Company is not able to replace these on a cost-effective basis, the Company may be forced to curtail or cease its loan origination business and treasury activities, which would have a material adverse effect on its operations and financial condition.

 

As of December 31, 2013, the Company had approximately $621.3 million in unrestricted cash and cash equivalents, $137 million in investment securities that are not pledged as collateral, $714 million in borrowing capacity at the FHLB-NY and $850 million in borrowing capacity at the Federal Reserve’s discount window available to cover liquidity needs.

 

85

 

 

       

Operational Risk

 

Operational risk is the risk of loss from inadequate or failed internal processes, personnel and systems or from external events. All functions, products and services of the Company are susceptible to operational risk.

 

The Company faces ongoing and emerging risk and regulatory pressure related to the activities that surround the delivery of banking and financial products and services. Coupled with external influences such as market conditions, security risks, and legal risk, the potential for operational and reputational loss has increased. In order to mitigate and control operational risk, the Company has developed, and continues to enhance, specific internal controls, policies and procedures that are designed to identify and manage operational risk at appropriate levels throughout the organization. The purpose of these policies and procedures is to provide reasonable assurance that the Company’s business operations are functioning within established limits.

 

The Company classifies operational risk into two major categories: business specific and corporate-wide affecting all business lines. For business specific risks, a risk assessment group works with the various business units to ensure consistency in policies, processes and assessments. With respect to corporate-wide risks, such as information security, business recovery, legal and compliance, the Company has specialized groups, such as Information Security, Enterprise Risk Management, Corporate Compliance, Information Technology, Legal and Operations. These groups assist the lines of business in the development and implementation of risk management practices specific to the needs of the business groups. All these matters are reviewed and discussed in the Information Technology Steering Committee, and the Risk Management and Compliance Committee.

 

The Company is subject to extensive United States federal and Puerto Rico regulations, and this regulatory scrutiny has been significantly increasing over the last several years. The Company has established and continues to enhance procedures based on legal and regulatory requirements that are reasonably designed to ensure compliance with all applicable statutory and regulatory requirements. The Company has a corporate compliance function headed by a Compliance Director who reports to the Chief Risk Officer and is responsible for the oversight of regulatory compliance and implementation of a company-wide compliance program.

 

Concentration Risk

 

Substantially all of the Company’s business activities and a significant portion of its credit exposure are concentrated in Puerto Rico. As a consequence, the Company’s profitability and financial condition may be adversely affected by an extended economic slowdown, adverse political or economic developments in Puerto Rico or the effects of a natural disaster, all of which could result in a reduction in loan originations, an increase in non-performing assets, an increase in foreclosure losses on mortgage loans, and a reduction in the value of its loans and loan servicing portfolio.

86

 

 

       

 

 

ITEM 8.       FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

 

OFG Bancorp

FORM 10-K

FINANCIAL DATA INDEX

 

 

Page
 

Management’s Annual Report on Internal Controls Over Financial Reporting

88
 

Report of Independent Registered Public Accounting Firm

89
 

Report of Independent Registered Public Accounting Firm on Internal Control over

     Financial Reporting

90

 

Consolidated Statements of Financial Condition at December 31, 2013 and 2012

91

 

Consolidated Statements of Operations for the years ended December 31, 2013, 2012, and  2011

92

 

Consolidated Statements of Comprehensive Income for the years ended December 31, 2013,

     2012, and  2011

93

 

Consolidated Statements of Changes in Stockholders’ Equity for the years ended December 31,

     2013, 2012, and  2011

94

 

Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012, and  2011

95-96

 

Notes to the Consolidated Financial Statements

 

 

 

Note 1– Summary of Significant Accounting Policies

97-115

 

 

Note 2 – Business Combinations

116-118

 

 

Note 3 – Restricted Cash

118-119

 

 

Note 4 – Securities Purchased Under Agreements to Resell and Investments

119-125

 

 

Note 5 – Pledged Assets

126

 

 

Note 6 – Loans

127-135

 

 

Note 7 – Allowance for Loan and Lease Losses

136-150

 

 

Note 8 – Servicing Assets

151-152

 

 

Note 9 – Premises and Equipment

153

 

 

Note 10 – FDIC Loss Share Asset and True-up Payment Obligation

153-154

 

 

Note 11 – Derivative Activities

155-157

 

 

Note 12 – Accrued Interest Receivable and Other Assets

158-159

 

 

Note 13 – Deposits and Related Interest

159-160

 

 

Note 14 – Borrowings

160-165

 

 

Note 15 – Offsetting of Financial Assets and Liabilities

166-167

 

 

Note 16 – Employee Benefit Plans

168

 

 

Note 17 – Related Party Transactions

168

 

 

Note 18 – Income Taxes

169-172

 

 

Note 19 – Stockholders’ Equity and Earnings per Common Share

172-178

 

 

Note 20 – Guarantees

179-180

 

 

Note 21 – Commitments and Contingencies

181-183

 

 

Note 22 – Fair Value of Financial Instruments

183-191

 

 

Note 23 – Business Segments

191-192

 

 

Note 24 – OFG Bancorp (Holding Company Only) Financial Information

193-195

 

 

    

87

 

 

       

OFG Bancorp

MANAGEMENT’S ANNUAL REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

To the Board of Directors and stockholders of OFG Bancorp:

The management of OFG Bancorp (the “Company”) is responsible for establishing and maintaining effective internal control over financial reporting, as defined in Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934, and for the assessment of internal control over financial reporting. The Company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States of America.

The Company’s internal control over financial reporting includes those policies and procedures that:

(1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Company;

(2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with accounting principles generally accepted in the United States of America, and that receipts and expenditures of the Company are being made only in accordance with authorization of management and directors of the Company; and

(3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the Company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

As called for by Section 404 of the Sarbanes-Oxley Act of 2002, management has assessed the effectiveness of the Company’s internal control over financial reporting as of December 31, 2013. Management made its assessment using the criteria set forth in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (the “COSO Criteria”).

Based on its assessment, management has concluded that the Company maintained effective internal control over financial reporting as of December 31, 2013 based on the COSO Criteria.

The effectiveness of the Company’s internal control over financial reporting as of December 31, 2013, has been audited by KPMG LLP, the Company’s independent registered public accounting firm, as stated in their report dated March 3, 2014.

 

 

 

 

 

 

 

 

 

 

By:

/s/    José Rafael Fernández

 

By:

/s/    Ganesh Kumar

        José Rafael Fernández

 

        Ganesh Kumar

        President and Chief Executive Officer

 

        Executive Vice President and Chief Financial Officer

Date: March 3, 2014

 

Date: March 3, 2014

 

88

 

 

       

Report of Independent Registered Public Accounting Firm

To the Board of Directors and Stockholders

OFG Bancorp:

We have audited the accompanying consolidated statements of financial condition of OFG Bancorp and subsidiaries (the Company) as of December 31, 2013 and 2012, and the related consolidated statements of operations, comprehensive income, changes in stockholders’ equity and cash flows for each of the years in the three-year period ended December 31, 2013. These consolidated financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of OFG Bancorp and its subsidiaries as of December 31, 2013 and 2012, and the results of their operations and their cash flows for each of the years in the three-year period ended December 31, 2013, in conformity with U.S. generally accepted accounting principles.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), OFG Bancorp and its subsidiaries’  internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO), and our report dated March 3, 2014 expressed an unqualified opinion on the effectiveness of the Company’s internal control over financial reporting.

/s/    KPMG LLP

San Juan, Puerto Rico

March 3, 2014

Stamp No. E94592 of the Puerto Rico

Society of Certified Public Accountants

was affixed to the record copy of this report.

89

 

 

       

Report of Independent Registered Public Accounting Firm

The Board of Directors and Stockholders

OFG Bancorp:

We have audited OFG Bancorp and Subsidiaries’ (the Company) internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). The Company’s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management’s Annual Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over financial reporting based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

A Company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A Company’s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the Company are being made only in accordance with authorizations of management and directors of the Company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, OFG Bancorp and subsidiaries maintained, in all material respects, effective internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated statements of financial condition of OFG Bancorp and subsidiaries as of December 31, 2013 and 2012, and the related consolidated statements of operations, changes in comprehensive income, stockholders’ equity, and cash flows for each of the years in the three-year period ended December 31, 2013, and our report dated March 3, 2014, expressed an unqualified opinion on those consolidated financial statements.

/s/    KPMG LLP

San Juan, Puerto Rico

March 3, 2014

Stamp No. E94593 of the Puerto Rico

Society of Certified Public Accountants

was affixed to the record copy of this report.

90

 

 

OFG BANCORP

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

AS OF DECEMBER 31, 2013 AND 2012

 

  

  

December 31,

  

  

2013 

  

2012 

  

  

(In thousands, except share data) 

ASSETS

  

  

  

  

  

  

Cash and cash equivalents:

  

  

  

  

  

  

    Cash and due from banks

  

$ 

 696,501 

  

$ 

 855,490 

    Money market investments

  

  

 6,967 

  

  

 13,205 

        Total cash and cash equivalents

  

  

 703,468 

  

  

 868,695 

Securities purchased under agreements to resell

  

  

 60,000 

  

  

 80,000 

Investments:

  

  

  

  

  

  

    Trading securities, at fair value, with amortized cost of $2,448 (December 31, 2012 - $508)

  

  

 1,869 

  

  

 495 

    Investment securities available-for-sale, at fair value, with amortized cost of $1,575,043 (December 31, 2012 - $2,118,825)

  

  

 1,588,425 

  

  

 2,194,286 

    Federal Home Loan Bank (FHLB) stock, at cost

  

  

 24,450 

  

  

 38,411 

    Other investments

  

  

 65 

  

  

 73 

        Total investments

  

  

 1,614,809 

  

  

 2,233,265 

Loans:

  

  

  

  

  

  

    Mortgage loans held-for-sale, at lower of cost or fair value

  

  

 46,529 

  

  

 64,145 

    Loans not covered under shared-loss agreements with the FDIC, net of allowance for loan and lease losses of $54,298 (December 31, 2012 - $39,921)

  

  

 4,615,929 

  

  

 4,698,185 

    Loans covered under shared-loss agreements with the FDIC, net of allowance for loan and lease losses of $52,729 (December 31, 2012 - $54,124)

  

  

 356,961 

  

  

 395,307 

        Total loans, net

  

  

 5,019,419 

  

  

 5,157,637 

Other assets:

  

  

  

  

  

  

    FDIC shared-loss indemnification asset

  

  

 189,240 

  

  

 302,295 

    Foreclosed real estate covered under shared-loss agreements with the FDIC

  

  

 33,209 

  

  

 22,283 

    Foreclosed real estate not covered under shared-loss agreements with the FDIC

  

  

 56,815 

  

  

 51,890 

    Accrued interest receivable

  

  

 18,734 

  

  

 14,654 

    Deferred tax asset, net

  

  

 137,564 

  

  

 126,652 

    Premises and equipment, net

  

  

 82,903 

  

  

 84,997 

    Customers' liability on acceptances

  

  

 23,042 

  

  

 26,996 

    Servicing assets

  

  

 13,801 

  

  

 10,795 

    Derivative assets

  

  

 20,502 

  

  

 21,889 

    Goodwill

  

  

 86,069 

  

  

 86,069 

    Other assets

  

  

 98,440 

  

  

 123,641 

                Total assets

  

$ 

 8,158,015 

  

$ 

 9,211,758 

LIABILITIES AND STOCKHOLDERS’ EQUITY

  

  

  

  

  

  

Deposits:

  

  

  

  

  

  

    Demand deposits

  

$ 

 2,138,005 

  

  

 2,447,163 

    Savings accounts

  

  

 1,194,567 

  

  

 634,819 

    Time deposits

  

  

 2,050,693 

  

  

 2,608,597 

        Total deposits

  

  

 5,383,265 

  

  

 5,690,579 

Borrowings:

  

  

  

  

  

  

    Short term borrowings

  

  

 - 

  

  

 92,210 

    Securities sold under agreements to repurchase

  

  

 1,267,618 

  

  

 1,695,247 

    Advances from FHLB

  

  

 336,143 

  

  

 536,542 

    Subordinated capital notes

  

  

 100,010 

  

  

 146,038 

    Other borrowings

  

  

 3,663 

  

  

 16,627 

        Total borrowings

  

  

 1,707,434 

  

  

 2,486,664 

Other liabilities:

  

  

  

  

  

  

    Derivative liabilities

  

  

 14,937 

  

  

 26,260 

    Acceptances executed and outstanding

  

  

 23,042 

  

  

 26,996 

    Accrued expenses and other liabilities

  

  

 144,424 

  

  

 117,653 

            Total liabilities

  

  

 7,273,102 

  

  

 8,348,152 

Commitments and contingencies (See Note 21)

  

  

  

  

  

  

Stockholders’ equity:

  

  

  

  

  

  

    Preferred stock; 10,000,000 shares authorized;

  

  

  

  

  

  

        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, 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 

    Common stock, $1 par value; 100,000,000 shares authorized; 52,707,023 shares issued:

  

  

  

  

  

  

        45,676,922 shares outstanding (December 31, 2012 - 52,670,878; 45,580,281)

  

  

 52,707 

  

  

 52,671 

    Additional paid-in capital

  

  

 538,071 

  

  

 537,453 

    Legal surplus

  

  

 61,957 

  

  

 52,143 

    Retained earnings

  

  

 133,629 

  

  

 70,734 

    Treasury stock, at cost, 7,030,101 shares (December 31, 2012 - 7,090,597 shares)

  

  

 (80,642) 

  

  

 (81,275) 

    Accumulated other comprehensive income, net of tax of -$831 (December 31, 2012 - $1,802)

  

  

 3,191 

  

  

 55,880 

            Total stockholders’ equity

  

  

 884,913 

  

  

 863,606 

                Total liabilities and stockholders’ equity

  

$ 

 8,158,015 

  

$ 

 9,211,758 

The accompanying notes are an integral part of these consolidated financial statements.

91

 

 

OFG BANCORP

CONSOLIDATED STATEMENTS OF OPERATIONS

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

  

Year Ended December 31, 

  

  

2013 

  

2012 

  

2011

  

(In thousands, except per share data)

Interest income:

  

  

  

  

  

  

  

  

        Loans not covered under shared-loss agreements with the FDIC

$

 352,133 

  

$

 80,023 

  

$

 68,600 

        Loans covered under shared-loss agreements with the FDIC

  

 91,769 

  

  

 85,376 

  

  

 67,665 

                    Total interest income from loans

  

 443,902 

  

  

 165,399 

  

  

 136,265 

        Mortgage-backed securities

  

 40,927 

  

  

 88,508 

  

  

 151,924 

        Investment securities and other

  

 8,803 

  

  

 6,901 

  

  

 9,106 

                    Total interest income

  

 493,632 

  

  

 260,808 

  

  

 297,295 

Interest expense:

  

  

  

  

  

  

  

  

        Deposits

  

 40,977 

  

  

 29,649 

  

  

 45,497 

        Securities sold under agreements to repurchase

  

 29,249 

  

  

 60,575 

  

  

 93,280 

        Advances from FHLB and other borrowings

  

 8,620 

  

  

 10,906 

  

  

 12,270 

        FDIC-guaranteed term notes

  

 - 

  

  

 909 

  

  

 4,084 

        Subordinated capital notes

  

 5,114 

  

  

 1,479 

  

  

 1,231 

                    Total interest expense

  

 83,960 

  

  

 103,518 

  

  

 156,362 

Net interest income

  

 409,672 

  

  

 157,290 

  

  

 140,933 

Provision for non-covered loan and lease losses

  

 67,559 

  

  

 13,854 

  

  

 15,200 

Provision for covered loan and lease losses, net

  

 5,335 

  

  

 9,827 

  

  

 (1,387) 

                    Total provision for loan and lease losses

  

 72,894 

  

  

 23,681 

  

  

 13,813 

Net interest income after provision for loan and lease losses

  

 336,778 

  

  

 133,609 

  

  

 127,120 

Non-interest income:

  

  

  

  

  

  

  

  

        Banking service revenue

  

 44,656 

  

  

 13,796 

  

  

 12,663 

        Financial service revenue

  

 30,924 

  

  

 25,350 

  

  

 20,571 

        Mortgage banking activities

  

 9,689 

  

  

 9,705 

  

  

 9,876 

                    Total banking and financial service revenues

  

 85,269 

  

  

 48,851 

  

  

 43,110 

        Total loss on other-than-temporarily impaired securities

  

 - 

  

  

 - 

  

  

 (15,018) 

        Portion of loss on securities recognized in other comprehensive income

  

 - 

  

  

 - 

  

  

 0 

               Other-than-temporary impairments on securities

  

 - 

  

  

 - 

  

  

 (15,018) 

        FDIC shared-loss expense, net

  

 (69,267) 

  

  

 (28,022) 

  

  

 (3,379) 

        Net gain (loss) on:

  

  

  

  

  

  

  

  

            Sale of securities

  

 - 

  

  

 74,210 

  

  

 27,996 

            Derivatives

  

 (220) 

  

  

 (43,046) 

  

  

 (12,381) 

            Early extinguishment of debt

  

 1,061 

  

  

 (26,052) 

  

  

 (4,790) 

            Other non-interest income (expense)

  

 670 

  

  

 338 

  

  

 (3,083) 

                    Total non-interest income, net

  

 17,513 

  

  

 26,279 

  

  

 32,455 

  

  

  

  

  

  

  

  

  

Non-interest expense:

  

  

  

  

  

  

  

  

        Compensation and employee benefits

  

 91,957 

  

  

 45,778 

  

  

 45,552 

        Professional and service fees

  

 31,866 

  

  

 22,274 

  

  

 22,805 

        Occupancy and equipment

  

 34,408 

  

  

 17,530 

  

  

 17,530 

        Insurance

  

 8,795 

  

  

 6,742 

  

  

 6,642 

        Electronic banking charges

  

 16,867 

  

  

 6,430 

  

  

 5,709 

        Advertising, business promotion, and strategic initiatives

  

 7,025 

  

  

 6,254 

  

  

 5,977 

        Merger and restructuring charges

  

 17,660 

  

  

 4,990 

  

  

 - 

        Foreclosure, repossession and other real estate expenses

  

 16,894 

  

  

 7,845 

  

  

 3,829 

        Loan servicing and clearing expenses

  

 7,588 

  

  

 3,309 

  

  

 3,978 

        Taxes, other than payroll and income taxes

  

 15,539 

  

  

 3,502 

  

  

 4,721 

        Communication

  

 3,377 

  

  

 1,627 

  

  

 1,500 

        Printing, postage, stationary and supplies

  

 3,459 

  

  

 1,254 

  

  

 1,264 

        Director and investor relations

  

 1,098 

  

  

 1,039 

  

  

 1,305 

        Other

  

 8,021 

  

  

 3,458 

  

  

 3,447 

                    Total non-interest expense

  

 264,554 

  

  

 132,032 

  

  

 124,259 

Income before income taxes

  

 89,737 

  

  

 27,856 

  

  

 35,316 

        Income tax expense (benefit)

  

 (8,709) 

  

  

 3,301 

  

  

 866 

Net income

  

 98,446 

  

  

 24,555 

  

  

 34,450 

        Less: dividends on preferred stock

  

 (13,862) 

  

  

 (9,939) 

  

  

 (4,802) 

Income available to common shareholders

$

 84,584 

  

$

 14,616 

  

$

 29,648 

Earnings per common share:

  

  

  

  

  

  

  

  

        Basic

$

 1.85 

  

$

 0.35 

  

$

 0.67 

        Diluted

$

 1.73 

  

$

 0.35 

  

$

 0.67 

Average common shares outstanding and equivalents

  

 53,033 

  

  

 45,304 

  

  

 44,524 

Cash dividends per share of common stock

$

 0.26 

  

$

 0.24 

  

$

 0.21 

  

  

  

  

  

  

  

  

  

The accompanying notes are an integral part of these consolidated financial statements.

92

 

 

OFG BANCORP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

  

Year Ended December 31,

  

  

2013 

  

2012 

  

2011 

  

(In thousands)

Net income

$

 98,446 

  

$

 24,555 

  

$

 34,450 

Other comprehensive loss before tax:

  

  

  

  

  

  

  

  

     Unrealized gain (loss) on securities available-for-sale

  

 (62,080) 

  

  

 63,152 

  

  

 60,287 

     Realized gain on investment securities included in net income

  

 - 

  

  

 (74,210) 

  

  

 (27,996) 

     Total loss on other-than-temporarily impaired securities

  

 - 

  

  

 - 

  

  

 15,018 

     Unrealized gain (loss) on cash flow hedges

  

 6,758 

  

  

 (7,702) 

  

  

 (47,425) 

     Realized loss on cash flow hedges included in net income

  

 - 

  

  

 37,463 

  

  

 - 

Other comprehensive loss before taxes

  

 (55,322) 

  

  

 18,703 

  

  

 (116) 

     Income tax effect

  

 2,633 

  

  

 46 

  

  

 260 

Other comprehensive loss after taxes

  

 (52,689) 

  

  

 18,749 

  

  

 144 

Comprehensive income

$

 45,757 

  

$

 43,304 

  

$

 34,594 

  

  

  

  

  

  

  

  

  

The accompanying notes are an integral part of these consolidated financial statements.

93

 

 

OFG BANCORP

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

  

  

  

  

  

  

  

  

  

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

Preferred stock:

  

  

  

  

  

  

  

  

     Balance at beginning of year

$ 

 176,000 

  

$ 

 68,000 

  

$ 

 68,000 

     Issuance of preferred stock

  

 - 

  

  

 108,000 

  

  

 - 

          Balance at end of year

  

 176,000 

  

  

 176,000 

  

  

 68,000 

Common stock:

  

  

  

  

  

  

  

  

     Balance at beginning of year

  

 52,671 

  

  

 47,809 

  

  

 47,808 

     Issuance of common stock

  

 - 

  

  

 4,829 

  

  

 - 

     Exercised stock options

  

 36 

  

  

 33 

  

  

 1 

          Balance at end of year

  

 52,707 

  

  

 52,671 

  

  

 47,809 

Additional paid-in capital:

  

  

  

  

  

  

  

  

     Balance at beginning of year

  

 537,453 

  

  

 499,096 

  

  

 498,435 

     Issuance of common stock

  

 - 

  

  

 48,776 

  

  

 - 

     Stock-based compensation expense

  

 1,823 

  

  

 1,552 

  

  

 1,310 

     Exercised stock options

  

 399 

  

  

 361 

  

  

 7 

     Lapsed restricted stock units

  

 (1,563) 

  

  

 (494) 

  

  

 (656) 

     Common stock issuance costs

  

 (16) 

  

  

 (4,385) 

  

  

 - 

     Preferred stock issuance costs

  

 (25) 

  

  

 (7,453) 

  

  

 - 

          Balance at end of year

  

 538,071 

  

  

 537,453 

  

  

 499,096 

Legal surplus:

  

  

  

  

  

  

  

  

     Balance at beginning of year

  

 52,143 

  

  

 50,178 

  

  

 46,331 

     Transfer from retained earnings

  

 9,814 

  

  

 1,965 

  

  

 3,847 

          Balance at end of year

  

 61,957 

  

  

 52,143 

  

  

 50,178 

Retained earnings:

  

  

  

  

  

  

  

  

     Balance at beginning of year

  

 70,734 

  

  

 68,149 

  

  

 51,502 

     Net income

  

 98,446 

  

  

 24,555 

  

  

 34,450 

     Cash dividends declared on common stock

  

 (11,875) 

  

  

 (10,066) 

  

  

 (9,154) 

     Cash dividends declared on preferred stock

  

 (13,862) 

  

  

 (9,939) 

  

  

 (4,802) 

     Transfer to legal surplus

  

 (9,814) 

  

  

 (1,965) 

  

  

 (3,847) 

          Balance at end of year

  

 133,629 

  

  

 70,734 

  

  

 68,149 

Treasury stock:

  

  

  

  

  

  

  

  

     Balance at beginning of year

  

 (81,275) 

  

  

 (74,808) 

  

  

 (16,732) 

     Stock repurchased

  

 - 

  

  

 (7,022) 

  

  

 (58,775) 

     Lapsed restricted stock units

  

 556 

  

  

 494 

  

  

 656 

     Stock used to match defined contribution plan

  

 77 

  

  

 61 

  

  

 43 

          Balance at end of year

  

 (80,642) 

  

  

 (81,275) 

  

  

 (74,808) 

Accumulated other comprehensive income, net of tax:

  

  

  

  

  

  

  

  

     Balance at beginning of year

  

 55,880 

  

  

 37,131 

  

  

 36,987 

     Other comprehensive loss, net of tax

  

 (52,689) 

  

  

 18,749 

  

  

 144 

          Balance at end of year

  

 3,191 

  

  

 55,880 

  

  

 37,131 

Total stockholders’ equity

$

 884,913 

  

$

 863,606 

  

$

 695,555 

  

  

  

  

  

  

  

  

  

The accompanying notes are an integral part of these consolidated financial statements.

94

 

 

OFG BANCORP

  CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

  

  

  

  

  

  

  

  

  

  

Year Ended December 31, 

  

2013 

  

2012 

  

2011 

  

(In thousands)

Cash flows from operating activities:

  

  

  

  

  

  

  

  

     Net income

$

 98,446 

  

$

 24,555 

  

$

 34,450 

     Adjustments to reconcile net income to net cash provided by (used in) operating activities:

  

  

  

  

  

  

  

  

        Amortization of deferred loan origination fees, net of costs

  

 1,258 

  

  

 658 

  

  

 (86) 

        Amortization of fair value discounts on acquired loans

  

 12,224 

  

  

 - 

  

  

 - 

        Amortization of investment securities premiums, net of accretion of discounts

  

 19,014 

  

  

 41,768 

  

  

 37,989 

        Amortization of core deposit and customer relationship intangibles

  

 2,577 

  

  

 230 

  

  

 143 

        Amortization of fair value premiums on acquired deposits

  

 14,400 

  

  

 - 

  

  

 - 

        FDIC shared-loss expense, net

  

 69,267 

  

  

 28,022 

  

  

 3,379 

        Amortization of prepaid FDIC assessment

  

 - 

  

  

 5,148 

  

  

 5,197 

        Other-than-temporary impairments on securities

  

 - 

  

  

 - 

  

  

 15,018 

        Other impairments on securities

  

 8 

  

  

 - 

  

  

 77 

        Depreciation and amortization of premises and equipment

  

 10,318 

  

  

 4,845 

  

  

 5,479 

        Deferred income taxes, net

  

 (11,066) 

  

  

 1,513 

  

  

 (1,564) 

        Provision for covered and non-covered loan and lease losses, net

  

 72,894 

  

  

 23,681 

  

  

 13,813 

        Stock-based compensation

  

 1,823 

  

  

 1,552 

  

  

 1,310 

         (Gain) loss on:

  

  

  

  

  

  

  

  

            Sale of securities

  

 - 

  

  

 (74,210) 

  

  

 (27,996) 

            Sale of mortgage loans held-for-sale

  

 (2,980) 

  

  

 (6,432) 

  

  

 (5,845) 

            Derivatives

  

 220 

  

  

 43,046 

  

  

 12,381 

            Early extinguishment of debt

  

 (1,061) 

  

  

 26,052 

  

  

 4,790 

            Foreclosed real estate

  

 6,255 

  

  

 4,366 

  

  

 1,717 

            Sale of other repossessed assets

  

 3,089 

  

  

 (112) 

  

  

 34 

            Sale of premises and equipment

  

 5 

  

  

 (83) 

  

  

 23 

        Originations of loans held-for-sale

  

 (307,339) 

  

  

 (199,991) 

  

  

 (194,781) 

        Proceeds from sale of loans held-for-sale

  

 147,531 

  

  

 102,474 

  

  

 80,399 

        Net (increase) decrease in:

  

  

  

  

  

  

  

  

             Trading securities

  

 (1,374) 

  

  

 333 

  

  

 1,150 

             Accrued interest receivable

  

 (4,080) 

  

  

 3,510 

  

  

 8,534 

             Servicing assets

  

 (3,006) 

  

  

 (341) 

  

  

 (759) 

             Other assets

  

 29,123 

  

  

 4,899 

  

  

 4,724 

        Net increase (decrease) in:

  

  

  

  

  

  

  

  

            Accrued interest on deposits and borrowings

  

 (2,155) 

  

  

 (4,640) 

  

  

 (1,058) 

            Accrued expenses and other liabilities

  

 18,425 

  

  

 19,397 

  

  

 (38,245) 

               Net cash provided by (used in) operating activities

  

 173,816 

  

  

 50,240 

  

  

 (39,727) 

Cash flows from investing activities:

  

  

  

  

  

  

  

  

      Purchases of:

  

  

  

  

  

  

  

  

         Investment securities available-for-sale

  

 (33,294) 

  

  

 (1,657,754) 

  

  

 (495,018) 

         Investment securities held-to-maturity

  

 - 

  

  

 (119,026) 

  

  

 (311,922) 

         FHLB stock

  

 (104,337) 

  

  

 (454) 

  

  

 (1,283) 

         Swaps options

  

 - 

  

  

 (3,492) 

  

  

 - 

         Equity options

  

 - 

  

  

 - 

  

  

 (424) 

      Maturities and redemptions of:

  

  

  

  

  

  

  

  

         Investment securities available-for-sale

  

 554,801 

  

  

 1,574,727 

  

  

 780,430 

         Investment securities held-to-maturity

  

 - 

  

  

 230,958 

  

  

 109,584 

         FHLB stock

  

 118,298 

  

  

 1,370 

  

  

 - 

      Proceeds from sales of:

  

  

  

  

  

  

  

  

         Investment securities available-for-sale

  

 141,202 

  

  

 2,265,594 

  

  

 620,304 

         Foreclosed real estate and other repossessed assets

  

 57,449 

  

  

 18,159 

  

  

 18,183 

         Premises and equipment

  

 891 

  

  

 168 

  

  

 304 

      Origination and purchase of loans, excluding loans held-for-sale

  

 (1,176,875) 

  

  

 (260,821) 

  

  

 (201,172) 

      Principal repayment of loans, including covered loans

  

 1,171,150 

  

  

 265,584 

  

  

 266,777 

      Reimbursements from the FDIC on shared-loss agreements

  

 47,100 

  

  

 96,664 

  

  

 75,474 

      Additions to premises and equipment

  

 (9,120) 

  

  

 (1,927) 

  

  

 (3,385) 

      Net change in securities purchased under agreements to resell

  

 20,000 

  

  

 (80,000) 

  

  

 - 

      Cash consideration paid for BBVAPR Acquisition

  

 - 

  

  

 (500,000) 

  

  

 - 

      Cash and cash equivalents received in BBVAPR Acquisition

  

 - 

  

  

 394,638 

  

  

 - 

             Net cash provided by investing activities

  

 787,265 

  

  

 2,224,388 

  

  

 857,852 

  

  

  

  

  

  

  

  

  

95

 

 

OFG BANCORP

CONSOLIDATED STATEMENTS OF CASH FLOWS – (Continued)

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

  

  

  

  

  

  

  

  

  

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

Cash flows from financing activities:

  

  

  

  

  

  

  

  

      Net increase (decrease) in:

  

  

  

  

  

  

  

  

         Deposits

  

 (323,899) 

  

  

 (251,452) 

  

  

 (192,368) 

         Short term borrowings

  

 (92,210) 

  

  

 (4,401) 

  

  

 (2,540) 

         Securities sold under agreements to repurchase

  

 (427,931) 

  

  

 (1,741,605) 

  

  

 (404,790) 

         FHLB advances

  

 (213,144) 

  

  

 20,618 

  

  

 - 

         Subordinated capital notes

  

 (44,968) 

  

  

 - 

  

  

 - 

         FDIC-guaranteed term notes

  

 - 

  

  

 (105,000) 

  

  

 - 

         Exercise of stock options and restricted units lapsed, net

  

 (572) 

  

  

 394 

  

  

 8 

      Issuance of common stock costs

  

 (16) 

  

  

 49,220 

  

  

 - 

      Issuance of preferred stock costs

  

 (25) 

  

  

 100,547 

  

  

 - 

      Purchase of treasury stock

  

 - 

  

  

 (7,022) 

  

  

 (58,775) 

      Termination of derivative instruments

  

 1,108 

  

  

 (38,714) 

  

  

 5,401 

      Dividends paid on preferred stock

  

 (13,862) 

  

  

 (9,939) 

  

  

 (4,802) 

      Dividends paid on common stock

  

 (10,789) 

  

  

 (10,066) 

  

  

 (9,154) 

          Net cash used in financing activities

  

 (1,126,308) 

  

  

 (1,997,420) 

  

  

 (667,020) 

Net change in cash and cash equivalents

  

 (165,227) 

  

  

 277,208 

  

  

 151,105 

      Cash and cash equivalents at beginning of period

  

 868,695 

  

  

 591,487 

  

  

 440,382 

      Cash and cash equivalents at end of period

$

 703,468 

  

$

 868,695 

  

$

 591,487 

Supplemental Cash Flow Disclosure and Schedule of Non-cash Activities:

  

  

  

  

  

  

  

  

     Interest paid

$

 98,856 

  

$

 110,622 

  

$

 157,645 

     Income taxes paid

$

 378 

  

$

 8,031 

  

$

 4,109 

     Mortgage loans securitized into mortgage-backed securities

$

 137,943 

  

$

 78,037 

  

$

 135,034 

     Transfer from loans to foreclosed real estate and other repossessed assets

$

 89,142 

  

$

 34,000 

  

$

 18,875 

     Reclassification of loans held-for-investment portfolio to held-for-sale portfolio

$

 41,780 

  

$

 9,871 

  

$

 9,542 

     Investment securities held-to-maturity transferred to available-for-sale

$

 - 

  

$

 762,340 

  

$

 - 

  

  

  

  

  

  

  

  

  

For the year ended December 31, 2012, the changes in operating assets and liabilities included in the reconciliation of net income to net cash provided by operating activities, as well as the changes in assets and liabilities presented in the investing and financing sections are net of the effect of the assets acquired and liabilities assumed from the BBVAPR Acquisition. Refer to Note 2 to the consolidated financial statements for the composition and balances of the assets and liabilities recorded at fair value by the Company on December 18, 2012. The cash received in the transaction, which amounted to $394.6 million, is presented in the investing activities section of the Consolidated Statements of Cash Flows as “Cash and cash equivalents received in BBVAPR Acquisition”.

  

  

  

  

  

  

  

  

  

The accompanying notes are an integral part of these consolidated financial statements.

96

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 –  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES  

 

The accounting policies of OFG Bancorp (the “Company”) conform with U.S. generally accepted accounting principles (“GAAP”) and to banking industry practices. The following is a description of the Company’s most significant accounting policies:

 

Nature of Operations

 

The Company is a publicly-owned financial holding company incorporated under the laws of the Commonwealth of Puerto Rico. The Company operates through various subsidiaries including, a commercial bank, Oriental Bank (or the “Bank”), a securities broker-dealer, Oriental Financial Services Corp. (“Oriental Financial Services”), an insurance agency, Oriental Insurance, Inc. (“Oriental Insurance”) and a retirement plan administrator, Caribbean Pension Consultants, Inc. (“CPC”). The Company also has a special purpose entity, Oriental Financial (PR) Statutory Trust II (the “Statutory Trust II”). Through these subsidiaries and their respective divisions, the Company provides a wide range of banking and financial services such as commercial, consumer and mortgage lending, leasing, auto loans, financial planning, insurance sales, money management and investment banking and brokerage services, as well as corporate and individual trust services.  

 

The main offices of the Company and its subsidiaries are located in San Juan, Puerto Rico, except for CPC, which is located in Boca Raton, Florida.  The Company is subject to supervision and regulation by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) under the U.S. Bank Holding Company Act of 1956, as amended, and the Dodd-Frank Act.

 

The Company is subject to the provisions of the U.S. Bank Holding Company Act of 1956, as amended, (the “BHC Act”) and accordingly, subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”).

 

The Bank is subject to the supervision, examination and regulation of the Office of the Commissioner of Financial Institutions of Puerto Rico (the “OCFI”) and the Federal Deposit Insurance Corporation (the “FDIC”).  The Bank offers banking services such as commercial, and consumer lending, leasing, auto loans, savings and time deposit products, financial planning, and corporate and individual trust services, and capitalizes on its commercial banking network to provide mortgage lending products to its clients. Oriental International Bank Inc. (“OIB”), a wholly-owned subsidiary of the Bank, and Oriental Overseas, a unit of the Bank, are international banking entities licensed pursuant to International Banking Center Regulatory Act of Puerto Rico, as amended. OIB and Oriental Overseas offer the Bank certain Puerto Rico tax advantages.  Their activities are limited under Puerto Rico law to persons and assets/liabilities located outside of Puerto Rico.

 

Oriental Financial Services is a securities broker-dealer and is subject to the supervision, examination and regulation of the Financial Industry Regulatory Authority (the “FINRA”), the SEC, and the OCFI. Oriental Financial Services is also a member of the Securities Investor Protection Corporation.  Oriental Insurance is an insurance agency and is subject to the supervision, examination and regulation of the Office of the Commissioner of Insurance of Puerto Rico.

 

The Company’s mortgage banking activities are conducted through a division of the Bank. The mortgage banking activities include the origination of mortgage loans for the Bank’s own portfolio, and the sale of loans directly in the secondary market or the securitization of conforming loans into mortgage-backed securities. The Bank originates Federal Housing Administration (“FHA”) insured and Veterans Administration (“VA”) guaranteed mortgages that are primarily securitized for issuance of Government National Mortgage Association (“GNMA”) mortgage-backed securities which can be resold to individual or institutional investors in the secondary market. Conventional loans that meet the underwriting requirements for sale or exchange under certain Federal National Mortgage Association (“FNMA”) or Federal Home Loan Mortgage Corporation (“FHLMC”) programs are referred to as conforming mortgage loans and are also securitized for issuance of FNMA or FHLMC mortgage-backed securities. The Bank is an approved seller of FNMA, as well as FHLMC, mortgage loans for issuance of FNMA and FHLMC mortgage-backed securities. The Bank is also an approved issuer of GNMA mortgage-backed securities. The Bank is the master servicer of the GNMA, FNMA and FHLMC pools that it issues and of its mortgage loan portfolio, and has a subservicing arrangement with a third party.

 

On December 18, 2012, the Company purchased from Banco Bilbao Vizcaya Argentaria, S. A. (“BBVA”), all of the outstanding common stock of each of (i) BBVAPR Holding Corporation (“BBVAPR Holding”), the sole shareholder of Banco Bilbao Vizcaya Argentaria Puerto Rico (“BBVAPR Bank”), a Puerto Rico chartered commercial bank, and BBVA Seguros, Inc. (“BBVA Seguros”), a subsidiary offering insurance services, and (ii) BBVA Securities of Puerto Rico, Inc. (“BBVA Securities”), a registered broker-dealer. This transaction is referred to as the “BBVAPR Acquisition” and BBVAPR Holding, BBVAPR Bank, BBVA Seguros and BBVA Securities are collectively referred to as the “BBVAPR Companies” or “BBVAPR.”  

97

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Business Combinations

 

The Company accounted for the BBVAPR Acquisition and the FDIC-assisted acquisition of Eurobank under the accounting guidance of ASC Topic No. 805, Business Combinations, which requires the use of the purchase method of accounting. All identifiable assets and liabilities acquired were initially recorded at fair value. No allowance for loan losses related to the acquired loans was recorded on the acquisition date. Loans acquired were recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820, exclusive of the shared-loss agreements with the FDIC applicable to the FDIC-assisted acquisition. These fair value estimates associated with the loans included estimates related to expected prepayments and the amount and timing of expected principal, interest and other cash flows. Because the FDIC has agreed to reimburse the Company for losses related to the acquired loans in the FDIC-assisted acquisition, subject to certain provisions specified in the shared-loss agreements, an indemnification asset was recorded at fair value at the acquisition date. The indemnification asset was recognized at the same time as the loans covered under FDIC shared-loss agreements, and is measured on the same basis, subject to collectability or contractual limitations. The loss share indemnification asset on the acquisition date reflected the reimbursements expected to be received from the FDIC, using an appropriate discount rate, which reflected counterparty credit risk and other uncertainties. The initial valuation of these loans and related indemnification asset required management to make subjective judgments concerning estimates about how the acquired loans would perform in the future using valuation methods, including discounted cash flow analyses and independent third-party appraisals. Factors that may significantly affect the initial valuation include, among others, market-based and industry data related to expected changes in interest rates, assumptions related to probability and severity of credit losses, estimated timing of credit losses including the timing of foreclosure and liquidation of collateral, expected prepayment rates, the specific terms and provisions of any shared-loss agreements, and specific industry and market conditions that may impact independent third-party appraisals. The Company applied the guidance of ASC 310-30 to most of the loans acquired in the FDIC-assisted acquisition (including applying ASC 310-30 by analogy to loans that do not meet the scope of ASC 310-30 but meet certain other criteria as outlined below), except for credit cards. Also, the Company applied the guidance of ASC 310-30 to most of the loans from the BBVAPR Acquisition, except for credit cards, retail and commercial lines of credits, floor plans and performing auto loans with Fair Isaac Corporation (“FICO”) scores over 660 which were acquired at a premium.

ASC 310-30 provides two specific criteria that have to be met in order for a loan to be within its scope: (i) credit deterioration on the loan from its inception until the acquisition date and (ii) that it is probable that not all of the contractual cash flows will be collected on the loan. Once in the scope of ASC 310-30, the credit portion of the fair value discount on an acquired loan cannot be accreted into income until the acquirer has assessed that it expects to receive more cash flows on the loan than initially anticipated. Acquired loans that meet the definition of nonaccrual status fall within the Company’s definition of impaired loans under ASC 310-30. Performing loans would generally not meet either criteria and therefore not fall within the scope of ASC 310-30. Many of the acquired loans that did not meet the Company’s definition of non-accrual status also resulted in the recognition of a discount attributable to credit quality. The Company elected to analogize to ASC 310-30 and only accrete the portion of the fair value discount unrelated to credit pursuant to the provisions of the AICPA letter dated December 18, 2009, where the AICPA summarized the SEC staff’s view regarding the accounting in subsequent periods for the pooling of discount accretion associated with loan receivables acquired in a business combination or asset purchase. The Company adopted an accounting policy consistent with accounting of the Eurobank acquisition to consistently apply by analogy the expected cash flow approach under ASC 310-30 to acquired loan portfolios.

Use of Estimates in the Preparation of Financial Statements

The preparation of financial statements in conformity with GAAP requires management to make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of revenue and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate mainly to the determination of the allowance for loan and lease losses, fair value of assets acquired and liabilities assumed, the valuation of securities and derivative instruments, revisions to expected cash flows in acquired loans, accounting for the indemnification asset, and the determination of income taxes and other-than-temporary impairment of securities.

Principles of Consolidation

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany transactions and balances have been eliminated in consolidation. The Statutory Trust II is exempt from the consolidation requirements of GAAP.

98

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Cash Equivalents

The Company considers as cash equivalents all money market instruments that are not pledged and that have maturities of three months or less at the date of acquisition.

Earnings per Common Share

Basic earnings per share is calculated by dividing income available to common shareholders (net income reduced by dividends on preferred stock) by the weighted average of outstanding common shares. Diluted earnings per share is similar to the computation of basic earnings per share except that the weighted average of common shares is increased to include the number of additional common shares that would have been outstanding if the potentially dilutive common shares underlying stock options and restricted units had been issued, assuming that proceeds from exercise are used to repurchase shares in the market (treasury stock method). Any stock splits and dividends are retroactively recognized in all periods presented in the consolidated financial statements.

Securities Purchased/Sold Under Agreements to Resell/Repurchase

The Company purchases securities under agreements to resell the same or similar securities. Amounts advanced under these agreements represent short-term loans and are reflected as assets in the consolidated statements of financial condition. It is the Company’s policy to take possession of securities purchased under resale agreements while the counterparty retains effective control over the securities. The Company monitors the fair value of the underlying securities as compared to the related receivable, including accrued interest, and requests additional collateral when deemed appropriate.

 The Company also sells securities under agreements to repurchase the same or similar securities. The Company retains effective control over the securities sold under these agreements.  Accordingly, such agreements are treated as financing arrangements, and the obligations to repurchase the securities sold are reflected as liabilities. The securities underlying the financing agreements remain included in the asset accounts. The counterparty to repurchase agreements generally has the right to repledge the securities received as collateral.

Investment Securities

Securities are classified as held-to-maturity, available-for-sale or trading. Securities for which the Company has the intent and ability to hold until maturity are classified as held-to-maturity and are carried at amortized cost. Securities that might be sold prior to maturity because of interest rate changes to meet liquidity needs or to better match the repricing characteristics of funding sources are classified as available-for-sale. These securities are reported at fair value, with unrealized gains and losses excluded from earnings and reported net of tax in other comprehensive income.

 

The BBVAPR Acquisition necessitated the reclassification of all the securities classified as held-to-maturity to available-for-sale in order to maintain the desired interest rate and credit risk profiles over the investment portfolio. As a result, in December 2012, the securities in the held-to-maturity portfolio were transferred to the available-for-sale portfolio at a fair value of $797.5 million with net unrealized gains of $35.1 million.

The Company classifies as trading those securities that are acquired and held principally for the purpose of selling them in the near future. These securities are carried at fair value with realized and unrealized changes in fair value included in earnings in the period in which the changes occur.

The Company’s investment in the Federal Home Loan Bank (“FHLB”) of New York stock, a restricted security, has no readily determinable fair value and can only be sold back to the FHLB-NY at cost. Therefore, these stocks are deemed to be nonmarketable equity securities and are carried at cost.

Premiums and discounts are amortized to interest income over the life of the related securities using the interest method. Net realized gains or losses on sales of investment securities and unrealized gains and losses valuation adjustments considered other than temporary, if any, on securities classified as either available-for-sale or held-to-maturity are reported separately in the statements of operations. The cost of securities sold is determined by the specific identification method.  During the third quarter of 2012, the Company made a change in one of the estimates applied in the calculation of the amortization of premiums/discounts in the mortgage-backed securities portfolio. The estimate involves the period used in measuring the repayment experience of each security and the change consists of using a 12-month look-back period instead of a 3-month period for these purposes.  The Company believes that this extended period better reflects the portfolio behavior, especially considering the seasonal cycle of the U.S. housing market, and also reduces the volatility that affects interest income recognition when using a more limited prepayment history experience in periods of greater market volatility.

99

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Financial Instruments

 

Certain financial instruments, including derivatives, trading securities and investment securities available-for-sale, are recorded at fair value and unrealized gains and losses are recorded in other comprehensive income or as part of non-interest income, as appropriate. Fair values are based on listed market prices, if available. If listed market prices are not available, fair value is determined based on other relevant factors, including price quotations for similar instruments. The fair values of certain derivative contracts are derived from pricing models that consider current market and contractual prices for the underlying financial instruments as the well as time value and yield curve or volatility factors underlying the positions.

 

The Company determines the fair value of its financial instruments based on the fair value measurement framework, which establishes a fair value hierarchy that prioritizes the inputs of valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are described below:

 

Level 1 — Level 1 assets and liabilities include equity securities that are traded in an active exchange market, as the well as certain U.S. Treasury and other U.S. government agency securities that are traded by dealers or brokers in active markets. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.

 

Level 2 — Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include (i) mortgage-backed securities for which the fair value is estimated based on valuations obtained from third-party pricing services for identical or comparable assets, (ii) debt securities with quoted prices that are traded less frequently than exchange-traded instruments and (iii) derivative contracts and financial liabilities whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data.

 

Level 3 — Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models for which the determination of fair value requires significant management judgment or estimation.

  

Impairment of Investment Securities

 

The Company conducts periodic reviews to identify and evaluate each investment in an unrealized loss position for other-than-temporary impairments. The Company separates the amount of total impairment into credit and noncredit-related amounts. The term “other-than-temporary impairment” is not intended to indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not favorable, or that there is a lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Any portion of a decline in value associated with a credit loss is recognized in income, while the remaining noncredit-related component is recognized in other comprehensive income. A credit loss is determined by assessing whether the amortized cost basis of the security will be recovered by comparing it to the present value of cash flows expected to be collected from the security discounted at the rate equal to the yield used to accrete current and prospective beneficial interest for the security. The shortfall of the present value of the cash flows expected to be collected in relation to the amortized cost basis is considered to be the “credit loss.”

 

The Company’s review for impairment generally entails, but is not limited to:

 

•  the identification and evaluation of investments that have indications of possible other-than-temporary impairment;

•  the analysis of individual investments that have fair values less than amortized cost, including consideration of the length of time the investment has been in an unrealized loss position, and the expected recovery period;

•  the financial condition of the issuer or issuers;

•  the creditworthiness of the obligor of the security;

•  actual collateral attributes;

•  any rating changes by a rating agency;

•  current analysts’ evaluations;

•  the payment structure of the debt security and the likelihood of the issuer being able to make payments;

•  current market conditions;

100

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

•  adverse conditions specifically related to the security, industry, or a geographic area;

•  the Company’s intent to sell the debt security;

•  whether it is more-likely-than-not that the Company will be required to sell the debt security before its anticipated recovery; and

•  other qualitative factors that could support or not an other-than-temporary impairment.

 

Derivative Instruments and Hedging Activities

 

The Company’s overall interest rate risk-management strategy incorporates the use of derivative instruments to minimize significant unplanned fluctuations in earnings that are caused by interest rate volatility. The Company’s goal is to manage interest rate sensitivity by modifying the repricing or maturity characteristics of certain balance sheet assets and liabilities so that the net interest margin is not, on a material basis, adversely affected by movements in interest rates. As a result of interest rate fluctuations, hedged fixed-rate assets and liabilities will appreciate or depreciate in market value. Also, for some fixed-rate assets or liabilities, the effect of this variability in earnings is expected to be substantially offset by the Company’s gains and losses on the derivative instruments that are linked to the forecasted cash flows of these hedged assets and liabilities. The Company considers its strategic use of derivatives to be a prudent method of managing interest-rate sensitivity as it reduces the exposure of earnings and the market value of its equity to undue risk posed by changes in interest rates. The effect of this unrealized appreciation or depreciation is expected to be substantially offset by the Company’s gains or losses on the derivative instruments that are linked to these hedged assets and liabilities. Another result of interest rate fluctuations is that the contractual interest income and interest expense of hedged variable-rate assets and liabilities, respectively, will increase or decrease.

 

Derivative instruments that are used as part of the Company’s interest rate risk-management strategy include interest rate swaps, caps, forward-settlement swaps, futures contracts, and option contracts that have indices related to the pricing of specific balance sheet assets and liabilities. Interest rate swaps generally involve the exchange of fixed and variable-rate interest payments between two parties based on a common notional principal amount and maturity date. Interest rate futures generally involve exchange-traded contracts to buy or sell U.S. Treasury bonds and notes in the future at specified prices. Interest rate options represent contracts that allow the holder of the option to (i) receive cash or (ii) purchase, sell, or enter into a financial instrument at a specified price within a specified period. Some purchased option contracts give the Company the right to enter into interest rate swaps and cap and floor agreements with the writer of the option. In addition, the Company enters into certain transactions that contain embedded derivatives. When the embedded derivative possesses economic characteristics that are not clearly and closely related to the economic characteristics of the host contract, it is bifurcated and carried at fair value.

 

The Company has offered its customers certificates of deposit with an option tied to the performance of the Standard & Poor’s 500 stock market index (“S&P 500 Index”). The Company has purchased options from major financial entities to manage its exposure to changes in this index. Under the terms of the option agreements, the Company receives a certain percentage of the increase, if any, in the initial month-end value of the S&P 500 Index over the average of the monthly index observations in a five-year period in exchange for a fixed premium. The changes in fair value of the option agreements used to manage the exposure in the stock market in the certificates of deposit are recorded in earnings. The embedded option in the certificates of deposit is bifurcated, and the changes in the value of that option are also recorded in earnings.

 

When using derivative instruments, the Company exposes itself to credit and market risk. If a counterparty fails to fulfill its performance obligations under a derivative contract due to insolvency or any other event of default, the Company’s credit risk will equal the fair value gain in a derivative plus any cash or securities that may have been delivered to the counterparty as part of the transaction terms. Generally, when the fair value of a derivative contract is positive, this indicates that the counterparty owes the Company, thus creating a repayment risk for the Company. This risk is generally mitigated by requesting cash or securities from the counterparty to cover the positive fair value. When the fair value of a derivative contract is negative, the Company owes the counterparty and, therefore, assumes no credit risk other than to the extent that the cash or value of the collateral delivered as part of the transactions exceeds the fair value of the derivative. The Company minimizes the credit (or repayment) risk in derivative instruments by entering into transactions with high-quality counterparties.

 

The Company uses forward-settlement swaps to hedge the variability of future interest cash flows of forecasted wholesale borrowings attributable to changes in LIBOR. Once the forecasted wholesale borrowing transactions occur, the interest rate swap will effectively lock-in the Company’s interest rate payments on an amount of forecasted interest expense attributable to the one-month LIBOR corresponding to the swap notional amount. By employing this strategy, the Company minimizes its exposure to volatility in LIBOR.

 

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As part of this hedging strategy, the Company formally documents all relationships between hedging instruments and hedged items, as the well as its risk-management objective and strategy for undertaking various hedging transactions. This process includes linking all derivatives that are designated as cash flow hedges to (i) specific assets and liabilities on the balance sheet or (ii) specific firm commitments or forecasted transactions. The Company also formally assesses (both at the hedge’s inception and on an ongoing basis) whether the derivatives that are used in hedging transactions have been highly effective in offsetting changes in the fair value or cash flows of hedged items and whether those derivatives may be expected to remain highly effective in future periods. The changes in fair value of the forward-settlement swaps are recorded in accumulated other comprehensive income to the extent there is no significant ineffectiveness.

 

The Company discontinues hedge accounting prospectively when (i) it determines that the derivative is no longer effective in offsetting changes in the cash flows of a hedged item (including hedged items such as firm commitments or forecasted transactions); (ii) the derivative expires or is sold, terminated, or exercised; (iii) it is no longer probable that the forecasted transaction will occur; (iv) a hedged firm commitment no longer meets the definition of a firm commitment; or (v) management determines that designating the derivative as a hedging instrument is no longer appropriate or desired.

 

The Company’s derivative activities are monitored by its Asset/Liability Management Committee which is also responsible for approving hedging strategies that are developed through its analysis of data derived from financial simulation models and other internal and industry sources. The resulting hedging strategies are then incorporated into the Company’s overall interest rate risk-management.

Off-Balance Sheet Instruments

In the ordinary course of business, the Company enters into off-balance sheet instruments consisting of commitments to extend credit, further discussed in Note 21 hereto. Such financial instruments are recorded in the financial statements when these are funded or related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes accruals for such risks if and when these are deemed necessary.

Mortgage Banking Activities and Loans Held-For-Sale

The residential mortgage loans reported as held-for-sale are stated at the lower of cost or fair value, cost being determined on the outstanding loan balance less unearned income, and fair value determined in the aggregate. Net unrealized losses are recognized through a valuation allowance by charges to income. Realized gains or losses on these loans are determined using the specific identification method. Loans held-for-sale include all conforming mortgage loans originated and purchased, which from time to time the Company sells to other financial institutions or securitizes conforming mortgage loans into GNMA, FNMA and FHLMC pass-through certificates.

Accounting for Transfers and Servicing of Financial Assets and Extinguishment of Liabilities

The Company recognizes the financial and servicing assets it controls and the liabilities it has incurred, derecognizes financial assets when control has been surrendered, and derecognizes liabilities when extinguished.

The Company is not engaged in sales of mortgage loans and mortgage-backed securities subject to recourse provisions except for those provisions that allow for the repurchase of loans as a result of a breach of certain representations and warranties other than those related to the credit quality of the loans included in the sale transactions.

The transfer of an entire financial asset, a group of entire financial assets, or a participating interest in an entire financial asset in which the Company surrenders control over the assets is accounted for as a sale if all of the following conditions set forth in ASC Topic 860 are met: (i) the assets must be isolated from creditors of the transferor, (ii) the transferee must obtain the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the transferor cannot maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. When the Company transfers financial assets and the transfer fails any one of these criteria, the Company is prevented from derecognizing the transferred financial assets and the transaction is accounted for as a secured borrowing. For federal and Puerto Rico income tax purposes, the Company treats the transfers of loans which do not qualify as “true sales” under the applicable accounting guidance, as sales, recognizing a deferred tax asset or liability on the transaction. For transfers of financial assets that satisfy the conditions to be accounted for as sales, the Company derecognizes all assets sold; recognizes all assets obtained and liabilities incurred in consideration as proceeds of the sale, including servicing assets and servicing liabilities, if applicable; initially measures at fair value assets obtained and liabilities incurred in a sale; and recognizes in earnings any gain or loss on the sale. The guidance on transfer of financial assets requires a true sale analysis of the treatment of the transfer under state law as if the Company was a debtor under the

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bankruptcy code. A true sale legal analysis includes several legally relevant factors, such as the intent of the parties, the nature and level of recourse to the transferor, and the nature of retained interests in the loans sold. The analytical conclusion as to a true sale is never absolute and unconditional, but contains qualifications based on the inherent equitable powers of a bankruptcy court, as well as the unsettled state of the common law. Once the legal isolation test has been met, other factors concerning the nature and extent of the transferor’s control over the transferred assets are taken into account in order to determine whether derecognition of assets is warranted.

When the Company sells or securitizes mortgage loans, it generally makes customary representations and warranties regarding the characteristics of the loans sold. Conforming conventional mortgage loans are combined into pools which are exchanged for FNMA and GNMA mortgage-backed securities, which are generally sold to private investors, or may sell the loans directly to FNMA or other private investors for cash. To the extent the loans do not meet the specified characteristics, investors are generally entitled to require the Company to repurchase such loans or indemnify the investor against losses if the assets do not meet certain guidelines. GNMA programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which the Company provides servicing. At the Company’s option and without GNMA prior authorization, the Company may repurchase such delinquent loans for an amount equal to 100% of the loan’s remaining principal balance. This buy-back option is considered a conditional option until the delinquency criteria is met, at which time the option becomes unconditional. When the loans backing a GNMA security are initially securitized, the Company treats the transaction as a sale for accounting purposes because the conditional nature of the buy-back option means that the Company does not maintain effective control over the loans, and therefore these are derecognized from the balance sheet. When individual loans later meet GNMA’s specified delinquency criteria and are eligible for repurchase, the Company is deemed to have regained effective control over these loans, and these must be brought back onto the Company’s books as assets at fair value, regardless of whether the Company intends to exercise the buy-back option. Quality review procedures are performed by the Company as required under the government agency programs to ensure that asset guideline qualifications are met. The Company has not recorded any specific contingent liability in the consolidated financial statements for these customary representation and warranties related to loans sold by the Company, and management believes that, based on historical data, the probability of payments and expected losses under these representation and warranty arrangements is not significant.

As part of the BBVAPR Acquisition, on December 18, 2012, the Company assumed a liability for residential mortgage loans sold by BBVAPR subject to credit recourse, principally loans associated with FNMA residential mortgage loan sales and securitization programs. In the event of any customer default, pursuant to the credit recourse provided, the Company is required to repurchase the loan or reimburse the third party investor for the incurred loss. The maximum potential amount of future payments that the Company would be required to make under the recourse arrangements in the event of nonperformance by the borrowers is equivalent to the total outstanding balance of the residential mortgage loans serviced with recourse and interest, if applicable. In the event of nonperformance by the borrower, the Company has rights to the underlying collateral securing the mortgage loan. The Company suffers ultimate losses on these loans when the proceeds from a foreclosure sale of the property underlying a defaulted mortgage loan are less than the outstanding principal balance of the loan plus any uncollected interest advanced and the costs of holding and disposing the related property. The Company has established a liability to cover the estimated credit loss exposure related to loans sold with credit recourse.

The estimated losses to be absorbed under the credit recourse arrangements are recorded as a liability when the loans are sold or credit recourse is assumed as part of acquired servicing rights, and are updated by accruing or reversing expense (categorized in the line item “adjustments (expense) to indemnity reserves on loans sold” in the consolidated statements of operations) throughout the life of the loan, as necessary, when additional relevant information becomes available. The methodology used to estimate the recourse liability is a function of the recourse arrangements given and considers a variety of factors, which include actual defaults and historical loss experience, foreclosure rate, estimated future defaults and the probability that a loan would be delinquent. Statistical methods are used to estimate the recourse liability. The expected loss, which represents the amount expected to be lost on a given loan, considers the probability of default and loss severity. The probability of default represents the probability that a loan in good standing would become 90 days delinquent within the following twelve-month period.  

Servicing Assets

The Company periodically sells or securitizes mortgage loans while retaining the obligation to perform the servicing of such loans. In addition, the Company may purchase or assume the right to service mortgage loans originated by others. Whenever the Company undertakes an obligation to service a loan, management assesses whether a servicing asset and/or liability should be recognized. A servicing asset is recognized whenever the compensation for servicing is expected to more than adequately compensate the Company for servicing the loans. Likewise, a servicing liability would be recognized in the event that servicing fees to be received are not expected to adequately compensate the Company for its expected cost.

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All separately recognized servicing assets are recognized at fair value using the fair value measurement method. Under the fair value measurement method, the Company measures servicing rights at fair value at each reporting date and reports changes in fair value of servicing asset in earnings in the period in which the changes occur, and includes these changes, if any, with mortgage banking activities in the consolidated statement of operations. The fair value of servicing rights is subject to fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

The fair value of servicing rights is estimated by using a cash flow valuation model which calculates the present value of estimated future net servicing cash flows, taking into consideration actual and expected loan prepayment rates, discount rates, servicing costs, and other economic factors, which are determined based on current market conditions.

 

Non-covered Loans and Leases

 

Originated and Other Loans and Leases Held in Portfolio

 

Loans the Company originates and intends to hold in portfolio are stated at the principal amount outstanding, adjusted for unamortized deferred fees and costs which are amortized to interest income over the expected life of the loan using the interest method. The Company discontinues accrual of interest on originated loans after payments become more than 90 days past due or earlier if the Company does not expect the full collection of principal or interest. The delinquency status is based upon the contractual terms of the loans.

  

Loans for which the recognition of interest income has been discontinued are designated as non-accruing. Collections are accounted for on the cash method thereafter, until qualifying to return to accrual status. Such loans are not reinstated to accrual status until interest is received on a current basis and other factors indicative of doubtful collection cease to exist.  The determination as to the ultimate collectability of the loan’s balance may involve management’s judgment in the evaluation of the borrower’s financial condition and prospects for repayment.

 

The Company follows a systematic methodology to establish and evaluate the adequacy of the allowance for loan and lease losses to provide for inherent losses in the non-covered loan portfolio. This methodology includes the consideration of factors such as economic conditions, portfolio risk characteristics, prior loss experience, and results of periodic credit reviews of individual loans. The provision for loan and lease losses charged to current operations is based on such methodology. Loan and lease losses are charged and recoveries are credited to the allowance for loan and lease losses on non-covered loans.

 

Larger commercial loans that exhibit potential or observed credit weaknesses are subject to individual review and grading. Where appropriate, allowances are allocated to individual loans based on management’s estimate of the borrower’s ability to repay the loan given the availability of collateral, other sources of cash flow, and legal options available to the Company.

 

Included in the review of individual loans are those that are impaired. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or as a practical expedient, at the observable market price of the loan or the fair value of the collateral, if the loan is collateral dependent. Loans are individually evaluated for impairment, except large groups of small balance homogeneous loans that are collectively evaluated for impairment and loans that are recorded at fair value or at the lower of cost or fair value. The Company measures for impairment all commercial loans over $250 thousand (i) that are either over 90 days past due or adversely classified, or (ii) when deemed necessary by management. The portfolios of mortgage loans, auto and leasing, and consumer loans are considered homogeneous and are evaluated collectively for impairment.

 

The Company uses a rating system to apply an overall allowance percentage to each non-covered loan portfolio segment based on historical credit losses adjusted for current conditions and trends. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent twelve months. The actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio segment. These qualitative factors include consideration of the following: the credit grading assigned to commercial loans; levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff, including the bank’s loan review system as graded by regulatory agencies in their last examination; local economic trends and conditions; industry conditions; effects of external factors such as competition and regulatory requirements on the level of estimated credit losses in the current portfolio; and effects of changes in credit concentrations and

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collateral value. Additional impact from the historical loss experience is applied based on levels of delinquency and loan classification.

 

During the third quarter of 2013, management changed the methodology of the general reserve calculation in order to adapt the calculation to the new Company structure after the BBVAPR Acquisition, and better capture the risk characteristics of the different portfolio segments. During the first and second quarters of 2013, management maintained a parallel computation of the general reserve and the impact of the new methodology was an increase of $242 thousand. Principal changes are concentrated in the commercial, consumer, and auto and leasing portfolios. The commercial loans portfolio was further segmented by business line (corporate, institutional, middle market, corporate retail, floor plan, and real estate), by collateral type (secured by real estate and other commercial and industrial), and by risk rating/classification (pass, special mention, substandard, doubtful, and individually measured for impairment). The loss factor used for the general reserve of these loans is established considering the Bank's past 12-month historical loss experience of each segment and the consideration of environmental factors. The sum of the loss experience factors and the environmental factors will be the general valuation reserve (“GVA”) factor to be used for the determination of the allowance for loan and lease losses on each category. The consumer loans portfolio consists of smaller retail loans such as retail credit cards, overdrafts, unsecured personal lines of credit, and personal unsecured loans. The allowance factor, consisting of the historical loss factors and the environmental risk factors is calculated for each sub-class of loans by delinquency bucket. The allowance factor on auto portfolio is impacted by the historical losses, the environmental risk factors and by delinquency buckets.  For the determination of the allowance factor, the auto portfolio is segmented by FICO score at origination. Also, during 2012, the Company revised this severity impact applied to historical loss factors based on delinquency buckets and loan classifications to further segregate these impacts between loans secured by real estate and unsecured loans. The following portfolio segments have been identified: mortgage loans, commercial loans, consumer loans, and auto and leasing.

 

At origination, a determination is made whether a loan will be held in our portfolio or is intended for sale in the secondary market. Loans that will be held in the Company’s portfolio are carried at amortized cost. Residential mortgage loans held for sale are recorded at the lower of the aggregate cost or market value (“LOCOM”).

 

Acquired Loans and Leases

 

Loans that the Company acquire in acquisitions are recorded at fair value with no  carryover of the related allowance for loan losses. Determining the fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest.

 

The Company has acquired loans in two  separate acquisitions, the BBVAPR Acquisition in December 2012 and the FDIC-assisted Eurobank acquisition in April 2010. For each acquisition, the Company considered the following factors as indicators that an acquired loan had evidence of deterioration in credit quality and was therefore in the scope of ASC 310-30:

·         Loans that were 90 days or more past due,

·         Loans that had an internal risk rating of substandard or worse. Substandard is consistent with regulatory definitions and is defined as having a well defined weakness that jeopardizes liquidation of the loan,

·         Loans that were classified as nonaccrual by the acquired bank at the time of acquisition, and

·         Loans that had been previously modified in a troubled debt restructuring.

 

Any acquired loans that were not individually in the scope of ASC 310-30 because they did not meet the criteria above were either (i) pooled into groups of similar loans based on the borrower type, loan purpose, and collateral type and accounted for under ASC 310-30 by analogy or (ii) accounted for under ASC 310-20 (Non-refundable fees and other costs).

 

Acquired Loans Accounted for under ASC 310-20 (loans with revolving feature and/or acquired at a premium)

 

Revolving credit facilities such as credit cards, retail and commercial lines of credit and floor plans which are specifically scoped out of ASC 310-30 are accounted for under the provisions of ASC 310-20.  Also, performing auto loans with FICO scores over 660 acquired at a premium in the BBVAPR Acquisition are accounted for under this guidance.  Auto loans with FICO scores below 660 were acquired at a discount and are accounted for under the provisions of ASC 310-30.  The provisions of ASC 310-20 require that any differences between the contractually required loan payments in excess of the Company’s initial investment in the loans be accreted into interest income on a level-yield basis over the life of the loan. Loans acquired in the BBVAPR Acquisition that were accounted for under the provisions of ASC 310-20 which had fully amortized their premium or discount, recorded at the date of acquisition, are removed from the acquired loan category. Loans accounted for under ASC 310-20 are placed on non-accrual status when past due in accordance with the Company’s non-accruing policy and any accretion of discount is discontinued. These assets

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were recorded at estimated fair value on their acquisition date, incorporating an estimate of future expected cash flows. Such fair value includes a credit discount which accounts for expected loan losses over the estimated life of these loans. Management will take into consideration this credit discount when determining the necessary allowance for acquired loans that are accounted for under the provisions of ASC 310-20.

 

The allowance for loan and lease losses model for acquired loans accounted for under ASC 310-20 is the same as for the originated and other loan portfolio.  

 

Acquired Loans Accounted under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

 

The Company performed a fair valuation of each of the loan pools, and each pool was recorded at a discount. The Company determined that at least part of the discount on the acquired individual or pools of loans was attributable to credit quality by reference to the valuation model used to estimate the fair value of these pools of loans. The valuation model incorporated lifetime expected credit losses into the loans’ fair valuation in consideration of factors such as evidence of credit deterioration since origination and the amounts of contractually required principal and interest that the Company did not expect to collect as of the acquisition date. Based on the guidance included in the December 18, 2009 letter from the AICPA Depository Institutions Panel to the Office of the Chief Accountant of the SEC, the Company has made an accounting policy election to apply ASC 310-30 by analogy to all of these acquired pools of loans as they all (i) were acquired in a business combination or asset purchase, (ii) resulted in recognition of a discount attributable, at least in part, to credit quality; and (iii) were not subsequently accounted for at fair value.

 

The excess of expected cash flows from acquired loans over the estimated fair value of acquired loans at acquisition is referred to as the accretable discount and is recognized into interest income over the remaining life of the acquired loans using the interest method. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable discount. The nonaccretable discount represents estimated future credit losses expected to be incurred over the life of the acquired loans. Subsequent decreases to the expected cash flows require the Company to evaluate the need for an addition to the allowance for loan losses. Subsequent improvements in expected cash flows result in the reversal of the associated allowance for loan losses, if any and the reversal of a corresponding amount of the nonaccretable discount which the Company then reclassifies as accretable discount that is recognized into interest income over the remaining life of the loan using the interest method. The Company’s evaluation of the amount of future cash flows that it expects to collect takes into account actual credit performance of the acquired loans to date and the Company’s best estimates for the expected lifetime credit performance of the loans using currently available information. Charge-offs of the principal amount on acquired loans would be first applied to the nonaccretable discount portion of the fair value adjustment. To the extent that the Company experiences deterioration in credit quality in its expected cash flows subsequent to the acquisition of the loans; an allowance for loan losses would be established based on the estimate of future credit losses over the remaining life of the loans.

 

In accordance with ASC 310-30, recognition of income is dependent on having a reasonable expectation about the timing and amount of cash flows expected to be collected. The Company performs such an evaluation on a quarterly basis on both its acquired loans individually accounted for under ASC 310-30 and those in pools accounted for under ASC 310-30 by analogy.

 

Cash flows for acquired loans individually accounted for under ASC 310-30 are estimated on a quarterly basis. Based on this evaluation, a determination is made as to whether or not the Company has a reasonable expectation about the timing and amount of cash flows. Such an expectation includes cash flows from normal customer repayment, collateral value, foreclosure or other collection efforts. Cash flows for acquired loans accounted for on a pooled basis under ASC 310-30 by analogy are also estimated on a quarterly basis. For residential real estate, home equity and other consumer loans, cash flow loss estimates are calculated by a vintage and FICO based model which incorporates a projected forward loss curve. For commercial loans, lifetime loss rates are assigned to each pool with consideration given for pool make-up, including risk rating profile. Lifetime loss rates are developed from internally generated loss data and are applied to each pool.

 

To the extent that the Company cannot reasonably estimate cash flows, interest income recognition is discontinued. The unit of account for loans in pools accounted for under ASC 310-30 by analogy is the pool of loans. Accordingly, as long as the Company can reasonably estimate cash flows for the pool as a whole, accretable yield on the pool is recognized and all individual loans within the pool - even those more than 90 days past due - would be considered to be accruing interest in the Company’s financial statement disclosures, regardless of whether or not the Company expects any principal or interest cash flows on an individual loan 90 days or more past due.

 

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Covered loans

 

Because of the loss protection provided by the FDIC, the risks of the loans acquired in the FDIC-assisted Eurobank acquisition that are covered under the FDIC shared-loss agreements are significantly different from those loans not covered under the FDIC shared-loss agreements. Accordingly, the Company presents loans subject to the shared-loss agreements as “covered loans.”

 

Loans acquired in the FDIC-assisted acquisition were accounted for under ASC 310-30, except for credit card balances which were subsequently cancelled. To the extent credit deterioration occurs in covered loans after the date of acquisition, the Company will record an allowance for loan and lease losses and an increase in the FDIC shared-loss indemnification asset for the expected reimbursement from the FDIC under the shared-loss agreements.

 

Allowance for Loan and Lease Losses for Non-covered Loans and Leases

 

During the third quarter of 2013, management changed the methodology of the general reserve calculation in order to adapt the calculation to the new Company structure after the BBVAPR Acquisition, and better capture the risk characteristics of the different portfolio segments. During the first and second quarters of 2013, management maintained a parallel computation of the general reserve and the impact of the new methodology was an increase of $242 thousand. Principal changes are concentrated in the commercial, consumer, and auto and leasing portfolios. The commercial loans portfolio was further segmented by business line (corporate, institutional, middle market, corporate retail, floor plan, and real estate), by collateral type (secured by real estate and other commercial and industrial), and by risk rating/classification (pass, special mention, substandard, doubtful, and individually measured for impairment). The loss factor used for the general reserve of these loans is established considering the Bank's past 12-month historical loss experience of each segment and the consideration of environmental factors. The sum of the loss experience factors and the environmental factors will be the general valuation reserve (“GVA”) factor to be used for the determination of the allowance for loan and lease losses on each category. The consumer loans portfolio consists of smaller retail loans such as retail credit cards, overdrafts, unsecured personal lines of credit, and personal unsecured loans. The allowance factor, consisting of the historical loss factors and the environmental risk factors is calculated for each sub-class of loans by delinquency bucket. The allowance factor on auto portfolio is impacted by the historical losses, the environmental risk factors and by delinquency buckets.  For the determination of the allowance factor, the auto portfolio is segmented by FICO score at origination. Also, during 2012, the Company revised this severity impact applied to historical loss factors based on delinquency buckets and loan classifications to further segregate these impacts between loans secured by real estate and unsecured loans. The following portfolio segments have been identified: mortgage loans, commercial loans, consumer loans, and auto and leasing.  

 

Originated and Other Loans and Leases Held for Investment and Acquired Loans Accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium)

 

The Company determined the allowance for loan and lease losses by portfolio segment, which consist of mortgage loans, commercial loans, consumer loans, and auto and leasing, as follows:

 

Mortgage loans: These loans are further divided into four classes: traditional mortgages, non-traditional mortgages, loans in loan modification programs and home equity secured personal loans. Traditional mortgage loans include loans secured by a dwelling, fixed coupons and regular amortization schedules. Non-traditional mortgages include loans with interest-first amortization schedules and loans with balloon considerations as part of their terms. Mortgages in loan modification programs are loans that are being serviced under such programs. Home equity loans are mainly equity lines of credit. The allowance factor on these loans is impacted by the historical loss factors on the sub-segments, vintages, the environmental risk factors described above and by delinquency buckets.  The traditional mortgage loan portfolio is further segregated by vintages.

 

Commercial loans: During the third quarter of 2013, the commercial portfolio was further segmented by business line (corporate, institutional, middle market, corporate retail, floor plan, and real estate), by collateral type (secured by real estate and other commercial and industrial), and by risk rating/classification (pass, special mention, substandard, doubtful, and individually measured for impairment). The loss factor used for the general valuation reserve (“GVA”) of these loans is established considering the Bank's past twelve-month historical loss experience of each segment and the consideration of environmental factors. The sum of the loss experience factors and the environmental factors is the GVA factor used for the determination of the allowance for loan and lease losses on each category.

 

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Consumer loans: The consumer portfolio consists of smaller retail loans such as retail credit cards, overdrafts, unsecured personal lines of credit, and personal unsecured loans. The allowance factor, consisting of the historical loss factors and the environmental risk factors are calculated for each sub-class of loans by delinquency bucket.

 

Auto and Leasing: The financing for the purchase of new or used motor vehicles for private or public use. These loans are granted mainly through dealers authorized and approved by the auto department credit commitee of the Bank. The auto credit department has the specialized structure and resources to provide the service required for this product according to market demands. In addition, this segment includes personal loans guaranteed by vehicles in the form of lease financing. The allowance factor on auto and leasing portfolio is impacted by the historical losses, the environmental risk factors and by delinquency buckets. For the determination of the allowance factor, the portfolio segmented by FICO score at origination. 

  

The Company establishes its allowance for loan losses through a provision for credit losses based on our evaluation of the credit quality of the loan portfolio. This evaluation, which includes a review of loans on which full collectability may not be reasonably assured, considers, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, and other factors that warrant recognition in determining our allowance for loan losses. The Company continues to monitor and modify the level of the allowance for loan losses to ensure it is adequate to cover losses inherent in our loan portfolio.

Our allowance for loan losses consists of the following elements: (i) specific valuation allowances based on probable losses on specifically identified impaired loans; and (ii) valuation allowances based on net historical loan loss experience for similar loans with similar inherent risk characteristics and performance trends, adjusted, as appropriate, for qualitative risk factors specific to respective loan types.

 

When current information and events indicate that it is probable that we will be unable to collect all amounts of principal and interest due under the original terms of a business or commercial real estate loan greater than $250 thousand, such loan will be classified as impaired. Additionally, all loans modified in a TDR(as defined below) are considered impaired. The need for specific valuation allowances are determined for impaired loans and recorded as necessary. For impaired loans, we consider the fair value of the underlying collateral, less estimated costs to sell, if the loan is collateral dependent, or we use the present value of estimated future cash flows in determining the estimates of impairment and any related allowance for loan losses for these loans. Confirmed losses are charged off immediately. Prior to a loan becoming impaired, we typically would obtain an appraisal through our internal loan grading process to use as the basis for the fair value of the underlying collateral.

 

Loan loss ratios and credit risk categories are updated at least quarterly and are applied in the context of GAAP as prescribed by ASC and the importance of depository institutions having prudent, conservative, but not excessive loan allowances that fall within an acceptable range of estimated losses. While management uses current available information in estimating possible loan and lease losses, factors beyond the Company’s control, such as those affecting general economic conditions, may require future changes to the allowance.

 

Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

 

For our acquired loans accounted for under ASC 310-30, our allowance for loan losses is estimated based upon our expected cash flows for these loans. To the extent that we experience a deterioration in borrower credit quality resulting in a decrease in our expected cash flows (which are used as a proxy to identify probable incurred losses) subsequent to the acquisition of the loans, an allowance for loan losses is established based on our estimate of future credit losses over the remaining life of the loans.

 

Acquired loans accounted for under ASC Subtopic 310-30 are not considered non-performing and continue to have an accretable yield as long as there is a reasonable expectation about the timing and amount of cash flows expected to be collected. Also, loans charged-off against the non-accretable difference established in purchase accounting are not reported as charge-offs. Charge-offs on loans accounted under ASC Subtopic 310-30 are recorded only to the extent that losses exceed the non-accretable difference established with purchase accounting.

 

Allowance for Loan and Lease Losses for Covered Loans and Leases

 

Covered loans are accounted for under ASC Subtopic 310-30. For covered loans, the portion of the loss on covered loans reimbursable from the FDIC is recorded as an offset to the provision for credit losses and increases the FDIC shared-loss indemnification asset.

 

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Lease Financing

 

The Company leases vehicles for personal and commercial use to individual and corporate customers. The direct finance lease method of accounting is used to recognize revenue on leasing contracts that meet the criteria specified in the guidance for leases in ASC Topic 840. Aggregate rentals due over the term of the leases, less unearned income, are included in lease financing contracts receivable. Unearned income is amortized using a method over the average life of the leases as an adjustment to the interest yield.

 

Troubled Debt Restructuring

 

A troubled debt restructuring (“TDR”) is the restructuring of a receivable in which the Company, as creditor, grants a concession for legal or economic reasons due to the debtor’s financial difficulties. A concession is granted when, as a result of the restructuring, the Company does not expect to collect all amounts due, including interest accrued at the original contract rate. These concessions may include a reduction of the interest rate, principal or accrued interest, extension of the maturity date or other actions intended to minimize potential losses.

 

To assess whether the debtor is having financial difficulties, the Company evaluates whether it is probable that the debtor will default on any of its debt in the foreseeable future.

 

Receivables that are restructured in a TDR are presumed to be impaired and are subject to a specific impairment-measurement method. If the payment of principal at original maturity is primarily dependent on the value of collateral, the Company considers the current value of that collateral in determining whether the principal will be paid. For non-collateral dependent loans, the specific reserve is calculated based on the present value of expected cash flows discounted at the loan’s effective interest rate. Loans modified in TDRs are placed on non-accrual status until the Company determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months.

 

Reserve for Unfunded Commitments

 

The reserve for unfunded commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to unfunded credit facilities and is included in other liabilities in the consolidated statements of financial condition. The determination of the adequacy of the reserve is based upon an evaluation of the unfunded credit facilities. Net adjustments to the reserve for unfunded commitments are included in other operating expenses in the consolidated statements of operations.

 

FDIC Shared-Loss Indemnification Asset and True-up Payment Obligation

 

The FDIC shared-loss indemnification asset is accounted for and measured separately from the covered loans acquired in the FDIC-assisted acquisition as it is not contractually embedded in any of the covered loans. The shared-loss indemnification asset related to estimated future loan and lease losses is not transferable should the Company sell a loan prior to foreclosure or maturity. The shared-loss indemnification asset was recorded at fair value at the acquisition date and represents the present value of the estimated cash payments expected to be received from the FDIC for future losses on covered assets based on the credit adjustment estimated for each covered asset and the shared-loss percentages. This balance also includes incurred expenses under the shared-loss agreements. These cash flows are then discounted at a market-based rate to reflect the uncertainty of the timing and receipt of the shared-loss reimbursements from the FDIC. The amount ultimately collected for this asset is dependent upon the performance of the underlying covered assets, the passage of time, the proper submission of claims to the FDIC and compliance with the obligations set forth in the FDIC shared-loss agreements. The time value of money incorporated into the present value computation is accreted into earnings over the shorter of the life of the shared-loss agreements or the holding period of the covered assets.

 

The FDIC shared-loss indemnification asset is reduced as losses are recognized on covered loans and shared-loss payments are received from the FDIC. Realized credit losses in excess of acquisition-date estimates result in an increase in the FDIC shared-loss indemnification asset. Conversely, if realized credit losses are less than acquisition-date estimates, the FDIC shared-loss indemnification asset is amortized through the term of the shared-loss agreements.

 

The true-up payment obligation or clawback liability due to the FDIC under the Purchase and Assumption Agreement is included in other liabilities.

 

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Goodwill and Intangible Assets

 

The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired less the fair value of liabilities assumed as goodwill. The Company amortizes the acquired identifiable intangible assets with definite useful economic lives over their useful economic life utilizing an accelerated amortization method. On a periodic basis, the Company assesses whether events or changes in circumstances indicate that the carrying amounts of the Company’s core deposit and other intangible assets may be impaired. The Company does not amortize goodwill or any acquired identifiable intangible assets with an indefinite useful economic life, but reviews them for impairment at the reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. The Company defines a reporting unit as a distinct, separately identifiable component of one of its operating segments for which complete, discrete financial information is available and reviewed regularly by that segment’s management.

 

The Company has the option to first assess qualitative factors to determine whether there are events or circumstances that exist that make it more likely than not that the fair value of the reporting unit is less than its carrying amount.  If it is more likely than not that the fair value of the reporting unit is less than its carrying amount, or if the Company chooses to bypass the qualitative assessment, the Company compares each reporting unit's fair value to its carrying value to identify potential impairment. If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. However, if the carrying amount of the reporting unit were to exceed its estimated fair value, a second step would be performed that would compare the implied fair value of the reporting unit's goodwill with the carrying amount. The implied fair value of goodwill is determined in the same manner as goodwill that is recognized in a business combination. Significant judgment and estimates are involved in estimating the fair value of the assets and liabilities of the reporting units. The Company performed its annual impairment review of goodwill utilizing valuation methods it believes appropriate, given the availability and applicability of market-based inputs for those methods during the fourth quarter of 2013 using October 31, 2013 as the annual evaluation date.

 

Foreclosed Real Estate and Other Repossessed Property

 

Non-Covered Foreclosed Real Estate

 

Foreclosed real estate is initially recorded at the lower of the related loan balance or the fair value of the real estate less the cost of selling it at the date of foreclosure. At the time properties are acquired in full or partial satisfaction of loans, any excess of the loan balance over the estimated fair value of the property is charged against the allowance for loan and lease losses on non-covered loans. After foreclosure, these properties are carried at the lower of cost or fair value less estimated cost to sell, based on recent appraised values or options to purchase the foreclosed property. Any excess of the carrying value over the estimated fair value, less estimated costs to sell, is charged to non-interest expense. The costs and expenses associated to holding these properties in portfolio are expensed as incurred.

 

Covered Foreclosed Real Estate and Other Repossessed Property

 

Covered foreclosed real estate and other repossessed property are initially recorded at their estimated fair value on the acquisition date, based on appraisal value less estimated selling costs. Any subsequent write-downs due to declines in fair value and costs and expenses associated with holding these properties in portfolio are charged as incurred to non-interest expense with a partially offsetting non-interest income for the loss reimbursement under the FDIC shared-loss agreement. Any recoveries of previous write-downs are credited to non-interest expense with a corresponding charge to non-interest income for the portion of the recovery that is due to the FDIC.

Premises and Equipment

Premises and equipment are carried at cost less accumulated depreciation. Depreciation is provided using the straight-line method over the estimated useful life of each type of asset. Amortization of leasehold improvements is computed using the straight-line method over the terms of the leases or estimated useful lives of the improvements, whichever is shorter.

  

Impairment of Long-Lived Assets

 

The Company periodically reviews long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. In performing the review for recoverability, an estimate of the future cash flows

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expected to result from the use of the asset and its eventual disposition is made. If the sum of the future cash flows (undiscounted and without interest charges) is less than the carrying amount of the assets, an impairment loss is recognized. The amount of the impairment is the excess of the carrying amount over the fair value of the asset. As of December 31, 2013, there was no indication of impairment as a result of such review.

 

Income Taxes

 

In preparing the consolidated financial statements, the Company is required to estimate income taxes. This involves an estimate of current income tax expense together with an assessment of temporary differences resulting from differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. The determination of current income tax expense involves estimates and assumptions that require the Company to assume certain positions based on its interpretation of current tax laws and regulations. Changes in assumptions affecting estimates may be required in the future, and estimated tax assets or liabilities may need to be increased or decreased accordingly. The accrual for tax contingencies is adjusted in light of changing facts and circumstances, such as the progress of tax audits, case law and emerging legislation. When particular matters arise, a number of years may elapse before such matters are audited and finally resolved. Favorable resolution of such matters could be recognized as a reduction to the Company’s effective tax rate in the year of resolution. Unfavorable settlement of any particular issue could increase the effective tax rate and may require the use of cash in such year.

 

The determination of deferred tax expense or benefit is based on changes in the carrying amounts of assets and liabilities that generate temporary differences. The carrying value of the Company’s net deferred tax assets assumes that the Company will be able to generate sufficient future taxable income based on estimates and assumptions. If these estimates and related assumptions change in the future, the Company may be required to record valuation allowances against its deferred tax assets resulting in additional income tax expense in the consolidated statements of operations.

 

Management evaluates on a regular basis whether the deferred tax assets can be realized and assesses the need for a valuation allowance. A valuation allowance is established when management believes that it is more likely than not that some portion of its deferred tax assets will not be realized. Changes in valuation allowance from period to period are included in the Company’s tax provision in the period of change.

 

In addition to valuation allowances, the Company establishes accruals for uncertain tax positions when, despite the belief that the Company’s tax return positions are fully supported, the Company believes that certain positions are likely to be challenged. The accruals for uncertain tax positions are adjusted in light of changing facts and circumstances, such as the progress of tax audits, case law, and emerging legislation. The accruals for the Company’s uncertain tax positions are reflected as income tax payable as a component of accrued expenses and other liabilities. These accruals are reduced upon expiration of the applicable statute of limitations.

 

The Company follows a two-step approach for recognizing and measuring uncertain tax positions. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates that it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes, if any. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement.

 

The Company’s policy is to include interest and penalties related to unrecognized income tax benefits within the provision for income taxes on the consolidated statements of operations.

 

On June 30, 2013 the Governor signed Act No. 40-2013, known as “Ley de Redistribución y Ajuste de la Carga Contributiva” (Act of Redistribution and Adjustment of Tax Burden), as amended. The main purpose of the Act is to increase government collections in order to alleviate the structural deficit. The most relevant provisions of the Act, as applicable to the Company, and effective for taxable years beginning after December 31, 2012 are as follows: (1) the maximum Corporate Income Tax rate was  increased from 30% to 39%; (2) the deduction allowed for determining the income subject to surtax was reduced from $750,000 to $25,000 (which must be allocated among the members of a controlled group of corporations); (3) the allowable Net Operating Loss (“NOL”) deduction was reduced to (i) 90% of the corporation’s net income subject to regular tax, for purposes of computing the regular income tax and  (ii)  80% of the alternative minimum taxable income for purposes of computing the alternative minimum tax (“AMT”); (4) the NOL carryover period was extended from 10 to 12 years  for NOLs incurred in taxable years beginning after December 31, 2004 and before January 1, 2013, and from 7 to 10 years for losses incurred in taxable years beginning after December 31, 2012;  (5) a new special tax based on gross income (the “Special Tax”) was added to the Puerto Rico Internal Revenue Code of 2011, as further described below; and (6) a special tax of 1% was imposed on insurance premiums earned after June 30, 2013.

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 In the case of non-financial institutions, the Special Tax is paid as part of the AMT and thus is accounted for under the provisions of ASC 740. The applicable Special Tax rate for non-financial institutions increases gradually from 0.2% for gross income equal to or in excess of $1.0 million up to 0.85% for gross income in excess of $1.5 billion. In the case of a controlled group of corporations, the tax rate for all members of the group is determined by the aggregate gross income of all members in the group. In the case of financial institutions, the Special Tax is not part of the AMT calculation thus is accounted for as other tax not subject to the provisions of ASC 740, since the same is based on gross income. The applicable Special Tax rate for financial institutions is 1% of its gross income of a taxable year, of which fifty percent (50%) may be claimed as a credit against the financial institution’s applicable income tax of that year.

 

Equity-Based Compensation Plan

 

The Company’s 2007 Omnibus Performance Incentive Plan, as amended and restated (the “Omnibus Plan”), provides for equity-based compensation incentives through the grant of stock options, stock appreciation rights, restricted stock, restricted units and dividend equivalents, as well as equity-based performance awards. The Omnibus Plan was adopted in 2007, amended and restated in 2008, and further amended in 2010.

 

The purpose of the Omnibus Plan is to provide flexibility to the Company to attract, retain and motivate directors, officers, and key employees through the grant of awards based on performance and to adjust its compensation practices to the best compensation practice and corporate governance trends as they develop from time to time. The Omnibus Plan is further intended to motivate high levels of individual performance coupled with increased shareholder returns. Therefore, awards under the Omnibus Plan (each, an “Award”) are intended to be based upon the recipient’s individual performance, level of responsibility and potential to make significant contributions to the Company. Generally, the Omnibus Plan will terminate as of (a) the date when no more of the Company’s shares of common stock are available for issuance under the Omnibus Plan or, (b) if earlier, the date the Omnibus Plan is terminated by the Company’s Board of Directors.

 

The Board’s Compensation Committee (the “Committee”), or such other committee as the Board may designate, has full authority to interpret and administer the Omnibus Plan in order to carry out its provisions and purposes. The Committee has the authority to determine those persons eligible to receive an Award and to establish the terms and conditions of any Award. The Committee may delegate, subject to such terms or conditions or guidelines as it shall determine, to any employee or group of employees any portion of its authority and powers under the Omnibus Plan with respect to participants who are not directors or executive officers subject to the reporting requirements under Section 16(a) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Only the Committee may exercise authority in respect to Awards granted to such participants.

 

The Omnibus Plan replaced and superseded the Company’s 1996, 1998 and 2000 Incentive Stock Option Plans (the “Stock Option Plans”). All outstanding stock options under the Stock Option Plans continue in full force and effect, subject to their original terms and conditions.

 

The expected term of stock options granted represents the period of time that such options are expected to be outstanding. Expected volatilities are based on historical volatility of the Company’s shares of common stock over the most recent period equal to the expected term of the stock options. For stock options issued during 2013, the expected volatilities are based on both historical and implied volatility of the Company’s shares of common stock.

 

The Company follows the fair value method of recording stock-based compensation. The Company used the modified prospective transition method, which requires measurement of the cost of employee services received in exchange for an award of equity instruments based on the grant date fair value of the award with the cost to be recognized over the service period. It applies to all awards unvested and granted after this effective date and awards modified, repurchased, or cancelled after that date.

Comprehensive Income

Comprehensive income is defined as the change in equity of a business enterprise during a period from transactions and other events and circumstances, except for those resulting from investments by owners and distributions to owners. GAAP requires that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and on derivative activities that qualify and are designated for cash flows hedge accounting, net of taxes, are reported as a separate component of the stockholders’ equity section of the consolidated statements of financial condition, such items, along with net income, are components of comprehensive income.

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Commitments and Contingencies

 

Liabilities for loss contingencies, arising from claims, assessments, litigation, fines, and penalties and other sources are recorded when it is probable that a liability has been incurred and the amount of the assessment can be reasonably estimated. Legal costs incurred in connection with loss contingencies are expensed as incurred.

 

Subsequent Events

 

The Company has evaluated other events subsequent to the balance sheet date and prior to the filing of this annual report on Form 10-K for the year ended December 31, 2013, and has adjusted and disclosed those events that have occurred that would require adjustment or disclosure in the consolidated financial statements.

 

Reclassifications

 

When necessary, certain reclassifications have been made to prior year amounts to conform to the current year presentation.

 

Recent Accounting Developments

 

Inclusion of the Fed Funds Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes -  In July 2013, the Financial Accounting Standard Board ( “FASB”) issued Accounting Standard Update ( ASU) 2013-10 FASB Accounting Standards Update 2013-10, Derivatives and Hedging (Topic 815): Inclusion of the Fed Funds Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes (“ASU 2013-10”),  which permits the use of the Overnight Index Swap Rate (OIS), also referred to as the Fed Funds Effective Swap Rate as a U.S. GAAP benchmark interest rate for hedge accounting purposes under Topic 815. Currently, only the interest rates on direct Treasury obligations of the U.S. government (UST) and the London Interbank Offered Rate (LIBOR) swap rate are considered benchmark interest rates in the United States. This update also removes the restriction on using different benchmark rates for similar hedges. Including the Fed Funds Effective Swap Rate as an acceptable U.S. benchmark interest rate in addition to UST and LIBOR will provide risk managers with a more comprehensive spectrum of interest rate resets to utilize as the designated interest risk component under the hedge accounting guidance in Topic 815. The amendments of this ASU are effective prospectively for qualifying new or redesignated hedging relationships entered into on or after July 17, 2013. The adoption of this guidance has not had a material effect on the Company’s consolidated statements of financial condition or results of operations.

 

Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income - In February 2013, FASB issued an amendment to enhance current disclosure requirements of reclassifications out of accumulated other comprehensive income and their corresponding effect on net income to be presented, in one place, information about significant amounts reclassified and, in some cases, cross-reference to related footnote disclosures. Previously, this information was presented in different places throughout the financial statements. The amendments require disclosure of information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, it requires the presentation, either on the face of the statement where net income is presented or in the notes, of significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under GAAP to be reclassified in their entirety to net income, the Company is required to cross-reference to other disclosures required under GAAP that provide additional detail about those amounts. The amended guidance was effective for annual and interim reporting periods beginning on or after December 15, 2012, prospectively. Our adoption of the guidance is presented in “Note 19 – Stockholders’ Equity and Earnings per Common Share.”

 

Testing Indefinite-Lived Intangible Assets for Impairment - In July 2012, FASB issued ASU No. 2012-02, Intangibles—Goodwill and Other (Topic 350): Testing Indefinite-Lived Intangible Assets for Impairment. This ASU is intended to simplify the guidance for testing the decline in the realizable value (impairment) of indefinite-lived intangible assets other than goodwill. Some examples of intangible assets subject to the guidance include indefinite-lived trademarks, licenses and distribution rights. This ASU allows companies to perform a qualitative assessment about the likelihood of impairment of an indefinite-lived intangible asset to determine whether further impairment testing is necessary, similar in approach to the goodwill impairment test. The ASU became effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012. Our adoption of the guidance had no effect on our consolidated financial statements.

 

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Offsetting Financial Assets and Liabilities - In December 2011, FASB issued ASU No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities. This ASU is intended to enhance current disclosure requirements on offsetting financial assets and liabilities. The new disclosures enable financial statement users to compare balance sheets prepared under GAAP and IFRS, which are subject to different offsetting models. The guidance requires disclosure of both gross and net information about instruments and transactions eligible for offset in the balance sheet as well as instruments and transactions subject to an agreement similar to a master netting arrangement. The disclosures are required irrespective of whether such instruments are presented gross or net on the balance sheet. In January 2013, FASB issued ASU No. 2013-01, Balance Sheet (Topic 210): Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities, which clarify that the scope of this guidance applies to derivatives accounted for in accordance with Topic 815, Derivatives and Hedging, including bifurcated embedded derivatives, repurchase agreements and reverse repurchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with Section 210-20-45 or Section 815-10-45 or subject to an enforceable master netting arrangement or similar agreement. The amended guidance was effective for annual and interim reporting periods beginning on or after January 1, 2013, with comparative retrospective disclosures required for all periods presented. We adopted the guidance in the first quarter of 2013. Our adoption of the guidance had no effect on our financial condition, results of operations or liquidity since it only impacts disclosures only. The new disclosures required by the amended guidance are included in “Note 15 – Offsetting of Financial Assets and Liabilities” hereto.

 

Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution—  FASB ASU 2012-06, “Business Combinations” (Topic 805) was issued in October 2012. This update addresses the diversity in practice about how to interpret the terms “on the same basis” and “contractual limitations” when subsequently measuring an indemnification asset recognized in a government-assisted (Federal Deposit Insurance Corporation) acquisition of a financial institution that includes a loss-sharing agreement (indemnification agreement). When a reporting entity recognizes an indemnification asset as a result of a government-assisted acquisition of a financial institution and subsequently the cash flows expected to be collected on the indemnification asset change as a result of a change in cash flows expected to be collected on the assets subject to indemnification, the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement, that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets. The amendments in this update are effective for fiscal years and interim periods within those years, beginning on or after December 15, 2012. The adoption of this guidance did not have a material effect on our consolidated financial statements, since the Company already followed the same basis approach.

 

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Future Application of Accounting Standards

 

FASB Accounting Standards Update 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (“ASU 2013-11”) FASB issued ASU 2013-11 in July 2013 which requires that an unrecognized tax benefit, or a portion of an unrecognized tax benefit, be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward. When a net operating loss, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional taxes that would result from the disallowance of a tax position, or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purposes, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. Currently, there is no explicit guidance under U.S. GAAP on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The amendment of this guidance does not require new recurring disclosures. ASU 2013-11 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted. The amendments of this ASU should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. The Company does not anticipate that the adoption of this guidance will have a material effect on its consolidated statements of financial condition or results of operations.

 

FASB Accounting Standards Update 2014-04, Receivables-Trouble Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (“ASU 2014-04”) FASB issued ASU 2014-04 in January 2014 which clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU 2014-04 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014. Early adoption is permitted. The amendments of this ASU should be applied prospectively to all instances of an entity receiving physical possession of residential real estate property collateralized by consumer mortgage loans that occur after the adoption date. Retrospective application is permitted. The Company does not anticipate that the adoption of this guidance will have a material effect on its consolidated statements of financial condition or results of operations.

 

Other Potential Amendments to Current Accounting Standards - FASB and the International Accounting Standards Board, either jointly or separately, are currently working on several major projects, including amendments to existing accounting standards governing financial instruments, leases, and consolidation and investment companies. As part of the joint financial instruments project, FASB has issued a proposed ASU that would result in significant changes to the guidance for recognition and measurement of financial instruments, in addition to the proposed ASU that would change the accounting for credit losses on financial instruments discussed above. FASB is also working on a joint project that would require substantially all leases to be capitalized on the balance sheet. Upon completion of the standards, the Company will need to reevaluate its accounting and disclosures. However, due to ongoing deliberations of the standard setters, the Company is currently unable to determine the effect of future amendments or proposals.

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NOTE 2 – BUSINESS COMBINATIONS  

 

BBVAPR Acquisition

On December 18, 2012, the Company purchased from BBVA, all of the outstanding common stock of each of BBVAPR Holding and BBVA Securities for an aggregate purchase price of $500 million. Immediately following the closing of the BBVAPR Acquisition, the Company merged BBVAPR Bank with and into Oriental Bank, with Oriental Bank continuing as the surviving entity. On August 1, 2013, BBVA Securities was merged with and into Oriental Financial Services, with Oriental Financial Services continuing as the surviving entity. 

The assets acquired and liabilities assumed as of December 18, 2012 were presented at their fair value. In many cases, the determination of these fair values required management to make estimates about discount rates, expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change. The fair values initially assigned to the assets acquired and liabilities assumed were preliminary and subject to refinement for up to one year after the closing date of the acquisition as new information relative to closing date fair values became available. During the year ended December 31, 2013, the Company recorded retrospective adjustments to the preliminary estimated fair values of certain acquired loans, foreclosed real estate, deferred income taxes, and other assets acquired, to reflect new information obtained during the measurement period (as defined by ASC Topic 805), about facts and circumstances that existed as of the acquisition date that, if known, would have affected the acquisition-date fair value measurements. As detailed in the table below, the main adjustments occurred in the loans acquired. The adjustments resulted from in-depth reviews of the actual loan terms and amortization schedules. The original cash flows were revised to reflect the results of this review.

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OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Net-assets acquired and their respective measurement period adjustments are reflected in the table below:

 

  

  

  

  

  

  

  

  

  

  

Measurement

  

  

  

  

  

  

  

  

  

  

  

  

Period

  

Fair Value

  

  

  

  

  

  

  

  

  

  

Adjustments,

  

as

  

Book Value at

  

Fair Value

  

Fair Value at

  

 net at

  

Remeasured at

  

December 18,

  

Adjustments,

  

December 18,

  

December 18,

  

December 18,

  

2012

  

net

  

2012

  

2012

  

2012

  

(In thousands)

Assets

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Cash and cash equivalents

$

 394,638 

  

$

 - 

  

$

 394,638 

  

$

 - 

  

$

 394,638 

      Investments

  

 561,623 

  

  

 - 

  

  

 561,623 

  

  

 - 

  

  

 561,623 

      Loans

  

 3,678,979 

  

  

 (118,913) 

  

  

 3,560,066 

  

  

 (26,635) 

  

  

 3,533,431 

      Accrued interest receivable

  

 19,133 

  

  

 (18,252) 

  

  

 881 

  

  

 - 

  

  

 881 

      Foreclosed real estate

  

 44,853 

  

  

 (8,896) 

  

  

 35,957 

  

  

 (1,932) 

  

  

 34,025 

      Deferred tax asset, net

  

 35,327 

  

  

 50,005 

  

  

 85,332 

  

  

 9,455 

  

  

 94,787 

      Premises and equipment

  

 37,412 

  

  

 29,067 

  

  

 66,479 

  

  

 - 

  

  

 66,479 

      Legacy goodwill

  

 116,353 

  

  

 (116,353) 

  

  

 - 

  

  

 - 

  

  

 - 

      Core deposit intangible

  

 - 

  

  

 8,473 

  

  

 8,473 

  

  

 - 

  

  

 8,473 

      Customer relationship intangible

  

 - 

  

  

 5,060 

  

  

 5,060 

  

  

 - 

  

  

 5,060 

      Other assets

  

 119,286 

  

  

 (7,663) 

  

  

 111,623 

  

  

 (2,936) 

  

  

 108,687 

            Total assets acquired

  

 5,007,604 

  

  

 (177,472) 

  

  

 4,830,132 

  

  

 (22,048) 

  

  

 4,808,084 

Liabilities

  

  

  

  

  

  

  

  

  

  

  

  

  

  

      Deposits

  

 3,472,951 

  

  

 21,489 

  

  

 3,494,440 

  

  

 - 

  

  

 3,494,440 

      Securities sold under agreements to repurchase

  

 338,020 

  

  

 20,465 

  

  

 358,485 

  

  

 - 

  

  

 358,485 

      Other borrowings

  

 348,624 

  

  

 1,108 

  

  

 349,732 

  

  

 - 

  

  

 349,732 

      Subordinated capital notes

  

 117,000 

  

  

 (7,159) 

  

  

 109,841 

  

  

 - 

  

  

 109,841 

      Accrued expenses and other liabilities

  

 80,392 

  

  

 (1,438) 

  

  

 78,954 

  

  

 - 

  

  

 78,954 

            Total liabilities assumed

  

 4,356,987 

  

  

 34,465 

  

  

 4,391,452 

  

  

 - 

  

  

 4,391,452 

Net assets acquired

$

 650,617 

  

$

 (211,937) 

  

$

 438,680 

  

$

 (22,048) 

  

$

 416,632 

Cash consideration

$

 500,000 

  

$

 - 

  

$

 500,000 

  

$

 - 

  

$

 500,000 

Goodwill

  

  

  

  

  

  

$

 61,320 

  

$

 22,048 

  

$

 83,368 

117

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Merger and Restructuring Charges

 

Merger and restructuring charges are recorded in the  consolidated statements of operations and include incremental costs to integrate the operations of the Company and BBVAPR. These charges represent costs associated with these one-time activities and do not represent ongoing costs of the fully integrated combined organization.

 

The following table presents severance and employee-related charges, systems integrations and other merger-related charges in connection with the BBVAPR Acquisition for the years ended December 31, 2013 and 2012:

 

  

Year Ended December 31,

  

2013

  

2012

  

(In thousands)

Severance and employee-related charges

$

 4,068 

  

$

 2,250 

Systems integrations and related charges

  

 6,266 

  

  

 1,186 

Other-contract cancellation fee

  

 7,326 

  

  

 1,554 

Total merger and restructuring charges

$

 17,660 

  

$

 4,990 

 

Restructuring Reserve

Restructuring reserves are established by a charge to merger and restructuring charges, and the restructuring charges are included in the merger and restructuring charges table.

The following table presents the changes in restructuring reserves for the years ended December 31, 2013 and 2012:

 

  

Year Ended December 31,

  

2013

  

2012

  

(In thousands)

Balance at the beginning of the year

$

 4,202 

  

$

 - 

Merger and restructuring charges

  

 17,660 

  

  

 4,990 

Cash payments and other

  

 (19,206) 

  

  

 (788) 

Balance at the end of the year

$

 2,656 

  

$

 4,202 

 

NOTE 3 – RESTRICTED CASH

 

Restricted cash of $82.2 million and $7.4 million were included in “Cash and due from banks” in the consolidated statements of financial position as of December 31, 2013 and 2012, respectively.

 

The following table includes the composition of the restricted cash:

 

   

December 31,

  

2013 

  

2012 

  

(In thousands)

Deposits pledged as collateral to other financial institutions to secure:

  

  

  

  

  

    Securities sold under agreements to repurchase

$

 67,029 

  

$

 - 

    Derivatives

  

 2,980 

  

  

 6,670 

    Obligations under agreement of loans sold with recourse

  

 12,190 

  

  

 690 

  

$

 82,199 

  

$

 7,360 

118

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The Company delivers cash as collateral to meet margin calls for some long term securities sold under agreements to repurchase. An alternative to cash delivery is entering into securities purchased under agreements to resell and use the securities collateral received as collateral to be delivered. At December 31, 2012, the Company delivered securities as collateral. At December 31, 2013, the possibility of entering in securities purchased under agreements to resell to receive collateral and then deliver it to securities sold under agreements to repurchase counterparties was very limited for market reasons. Therefore, the Company had $67.0 million in cash collateral delivered.

 

As part of the BBVAPR Acquisition, the Company assumed a contract with FNMA which required collateral to guarantee the repurchase, if necessary, of loans sold with recourse. At December 31, 2012, the Company complied with that requirement by delivering a security. At December 31, 2013, the Company delivered cash instead amounting to $12.2 million.

 

NOTE 4 – SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL AND INVESTMENTS

 

Money Market Investments

 

The Company considers as cash equivalents all money market instruments that are not pledged and that have maturities of three months or less at the date of acquisition. At December 31, 2013 and 2012, money market instruments included as part of cash and cash equivalents amounted to $7.0 million and $13.2 million, respectively.

 

Securities Purchased Under Agreements to Resell

Securities purchased under agreements to resell consist of short-term investments and are carried at the amounts at which the assets will be subsequently resold as specified in the respective agreements. At December 31, 2013 and 2012, securities purchased under agreements to resell amounted to $60.0 million and $80.0 million, respectively.

 

The amounts advanced under those agreements are reflected as assets in the consolidated statements of financial condition.  It is the Company’s policy to take possession of securities purchased under agreements to resell.  Agreements with third parties specify the Company’s right to request additional collateral based on its monitoring of the fair value of the underlying securities on a daily basis. The fair value of the collateral securities held by the Company on these transactions as of December 31, 2013 and 2012 was approximately $64.6 million and $82.1 million, respectively.

 

119

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Investment Securities

 

The amortized cost, gross unrealized gains and losses, fair value, and weighted average yield of the securities owned by the Company at December 31, 2013 and 2012 were as follows:

 

  

December 31, 2013

  

  

  

Gross

  

Gross

  

  

Weighted

  

Amortized

  

Unrealized

  

Unrealized

  

Fair

Average

  

Cost

  

Gains

  

Losses

  

Value

Yield

  

(In thousands)

Available-for-sale

  

  

  

  

  

  

  

  

  

  

  

  

  

    Mortgage-backed securities

  

  

  

  

  

  

  

  

  

  

  

  

  

        FNMA and FHLMC certificates

$

 1,190,910 

  

$

 33,089 

  

$

 6,669 

  

$

 1,217,330 

  

2.93%

        GNMA certificates

  

 7,406 

  

  

 433 

  

  

 24 

  

  

 7,815 

  

4.92%

        CMOs issued by US Government-sponsored agencies

  

 220,801 

  

  

 407 

  

  

 6,814 

  

  

 214,394 

  

1.78%

            Total mortgage-backed securities

  

 1,419,117 

  

  

 33,929 

  

  

 13,507 

  

  

 1,439,539 

  

2.76%

    Investment securities

  

  

  

  

  

  

  

  

  

  

  

  

  

        Obligations of US Government-sponsored agencies

  

 10,691 

  

  

 - 

  

  

 42 

  

  

 10,649 

  

1.21%

        Obligations of Puerto Rico Government and

            political subdivisions

  

 121,035 

  

  

 - 

  

  

 6,845 

  

  

 114,190 

  

4.38%

        Other debt securities

  

 24,200 

  

  

 167 

  

  

 320 

  

  

 24,047 

  

3.46%

            Total investment securities

  

 155,926 

  

  

 167 

  

  

 7,207 

  

  

 148,886 

  

4.02%

Total securities available for sale

$

 1,575,043 

  

$

 34,096 

  

$

 20,714 

  

$

 1,588,425 

  

2.89%

  

  

  

  

  

  

  

  

  

  

  

  

  

  

 

  

December 31, 2012

  

  

  

Gross

  

Gross

  

  

Weighted

  

Amortized

  

Unrealized

  

Unrealized

  

Fair

Average

  

Cost

  

Gains

  

Losses

  

Value

Yield

  

(In thousands)

Available-for-sale

  

  

  

  

  

  

  

  

  

  

  

  

  

    Mortgage-backed securities

  

  

  

  

  

  

  

  

  

  

  

  

  

        FNMA and FHLMC certificates

$

 1,622,037 

  

$

 71,411 

  

$

 1 

  

$

 1,693,447 

  

3.06%

        GNMA certificates

  

 14,177 

  

  

 995 

  

  

 8 

  

  

 15,164 

  

4.89%

        CMOs issued by US Government sponsored agencies

  

 288,409 

  

  

 3,784 

  

  

 793 

  

  

 291,400 

  

1.85%

            Total mortgage-backed securities

  

 1,924,623 

  

  

 76,190 

  

  

 802 

  

  

 2,000,011 

  

2.89%

    Investment securities

  

  

  

  

  

  

  

  

  

  

  

  

  

        US Treasury securities

  

 26,498 

  

  

 - 

  

  

 2 

  

  

 26,496 

  

0.71%

        Obligations of US Government sponsored agencies

  

 21,623 

  

  

 224 

  

  

 - 

  

  

 21,847 

  

1.35%

        Obligations of Puerto Rico Government and

            political subdivisions

  

 120,950 

  

  

 9 

  

  

 438 

  

  

 120,521 

  

3.82%

        Other debt securities

  

 25,131 

  

  

 280 

  

  

 - 

  

  

 25,411 

  

3.46%

            Total investment securities

  

 194,202 

  

  

 513 

  

  

 440 

  

  

 194,275 

  

2.99%

                Total securities available-for-sale

$

 2,118,825 

  

$

 76,703 

  

$

 1,242 

  

$

 2,194,286 

  

2.90%

  

  

  

  

  

  

  

  

  

  

  

  

  

  

120

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The amortized cost and fair value of the Company’s investment securities at December 31, 2013, by contractual maturity, are shown in the next table. Securities not due on a single contractual maturity date, such as collateralized mortgage obligations, are classified in the period of final contractual maturity. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

  

December 31, 2013

  

Available-for-sale

  

Amortized Cost

  

Fair Value

  

(In thousands)

Mortgage-backed securities

  

  

  

  

  

    Due after 5 to 10 years

  

  

  

  

  

        FNMA and FHLMC certificates

$

 27,957 

  

$

 28,266 

            Total due after 5 to 10 years

  

 27,957 

  

  

 28,266 

    Due after 10 years

  

  

  

  

  

        FNMA and FHLMC certificates

  

 1,162,953 

  

  

 1,189,064 

        GNMA certificates

  

 7,406 

  

  

 7,815 

        CMOs issued by US Government-sponsored agencies

  

 220,801 

  

  

 214,394 

            Total due after 10 years

  

 1,391,160 

  

  

 1,411,273 

                Total  mortgage-backed securities

  

 1,419,117 

  

  

 1,439,539 

Investment securities

  

  

  

  

  

    Due in less than one year

  

  

  

  

  

        Other debt securities

  

 20,000 

  

  

 19,680 

            Total due in less than one year

  

 20,000 

  

  

 19,680 

    Due from 1 to 5 years

  

  

  

  

  

        Obligations of Puerto Rico Government and political subdivisions

  

 11,881 

  

  

 9,659 

            Total due from 1 to 5 years

  

 11,881 

  

  

 9,659 

    Due after 5 to 10 years

  

  

  

  

  

        Obligations of US Government and sponsored agencies

  

 10,691 

  

  

 10,649 

            Total due after 5 to 10 years

  

 10,691 

  

  

 10,649 

    Due after 10 years

  

  

  

  

  

        Obligations of Puerto Rico Government and political subdivisions

  

 109,154 

  

  

 104,531 

        Other debt securities

  

 4,200 

  

  

 4,367 

            Total due after 10 years

  

 113,354 

  

  

 108,898 

                Total  investment securities

  

 155,926 

  

  

 148,886 

Total securities available-for-sale

$

 1,575,043 

  

$

 1,588,425 

 

Obligations of Puerto Rico Government and political subdivisions include a $98.7 million principal amount, Libor floating  rate bond at December 31, 2013 with maturity date of July 1, 2024, that is subject to mandatory tender for purchase by the end of the third year anniversary of the closing date, which is June 1, 2014. The bond  is also subject  to optional demand tender for purchase upon the occurrence and continuance of certain events, including (among others) the withdrawal, suspension or reduction below investment grade of the credit rating on any general obligation of the Commonwealth by any of the three major rating agencies.

 

The Company, as part of its asset/liability management, may purchase U.S. Treasury securities and U.S. government- sponsored agency discount notes close to their maturities as alternatives to cash deposits at correspondent banks or as a short term vehicle to reinvest the proceeds of sale transactions until investment securities with attractive yields can be purchased. During the year ended December 31, 2013, the Company did not execute any sale of securities from its portfolio other than $141.2 million of available-for-sale GNMA certificates that were sold as part of its recurring mortgage loan origination and securitization activities. These sales produced a nominal loss during such period.

 

The BBVAPR Acquisition and the related deleverage of the investment securities portfolio that the Company completed during the second half of 2012 reduced the interest rate risk profile of the Company. For the year ended December 31, 2012, the Company recorded a net gain on sale of securities of $74.2 million.

 

121

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The table below presents the gross realized gains and losses by category for the years 2013, 2012, and 2011:

 

  

Year Ended December 31, 2013

  

  

  

Book Value

  

Gross

  

Gross

Description

Sale Price

  

at Sale

  

Gains

  

Losses

  

(In thousands)

Sale of securities available-for-sale

  

  

  

  

  

  

  

  

  

  

  

    Mortgage-backed securities

  

  

  

  

  

  

  

  

  

  

  

        GNMA certificates

$

 141,202 

  

$

 141,237 

  

$

 - 

  

$

 35 

Total

$

 141,202 

  

  

 141,237 

  

$

 - 

  

$

 35 

 

  

Year Ended December 31, 2012

  

  

  

Book Value

  

  

  

  

Description

Sale Price

  

at Sale

  

Gross Gains

  

Gross Losses

  

(In thousands)

Sale of Securities Available-for-Sale

  

  

  

  

  

  

  

  

  

  

  

    Mortgage-backed securities and CMOs

  

  

  

  

  

  

  

  

  

  

  

        FNMA and FHLMC certificates

$

 1,422,405 

  

$

 1,346,561 

  

$

 75,844 

  

$

 - 

        GNMA certificates

  

 187,973 

  

  

 187,971 

  

  

 2 

  

  

 - 

        CMOs issued by US Government-sponsored agencies

  

 334,687 

  

  

 333,334 

  

  

 1,353 

  

  

 - 

            Total mortgage-backed securities and CMOs

  

 1,945,065 

  

  

 1,867,866 

  

  

 77,199 

  

  

 - 

    Investment securities

  

  

  

  

  

  

  

  

  

  

  

        US Treasury securities

  

 238,796 

  

  

 238,797 

  

  

 - 

  

  

 1 

        Obligations of Puerto Rico Government and political subdivisions

  

 35,882 

  

  

 36,478 

  

  

 32 

  

  

 628 

        Structured credit investments

  

 44,577 

  

  

 46,969 

  

  

 - 

  

  

 2,392 

        Other mortgage securities

  

 1,274 

  

  

 1,274 

  

  

 - 

  

  

  

            Total investment securities

  

 320,529 

  

  

 323,518 

  

  

 32 

  

  

 3,021 

Total

$

 2,265,594 

  

$

 2,191,384 

  

$

 77,231 

  

$

 3,021 

 

  

Year Ended December 31, 2011

  

  

  

Book Value

  

  

  

  

Description

Sale Price

  

at Sale

  

Gross Gains

  

Gross Losses

  

(In thousands)

Sale of securities available-for-sale

  

  

  

  

  

  

  

  

  

  

  

    Mortgage-backed securities and CMOs

  

  

  

  

  

  

  

  

  

  

  

        FNMA and FHLMC certificates

$

 309,112 

  

$

 293,580 

  

$

 15,532 

  

$

 - 

        GNMA certificates

  

 214,948 

  

  

 207,378 

  

  

 7,572 

  

  

 2 

        CMOs issued by US Government-sponsored agencies

  

 82,144 

  

  

 77,250 

  

  

 4,894 

  

  

 - 

            Total mortgage-backed securities and CMOs

  

 606,204 

  

  

 578,208 

  

  

 27,998 

  

  

 2 

    Investment securities

  

  

  

  

  

  

  

  

  

  

  

        Obligations of U.S. Government-sponsored agencies

  

 14,100 

  

  

 14,100 

  

  

 - 

  

  

 - 

            Total investment securities

  

 14,100 

  

  

 14,100 

  

  

 - 

  

  

 - 

Total

$

 620,304 

  

$

 592,308 

  

$

 27,998 

  

$

 2 

122

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following tables show the Company’s gross unrealized losses and fair value of investment securities available-for-sale, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2013 and 2012:

 

  

December 31, 2013

  

12 months or more

  

Amortized

  

Unrealized

  

Fair

  

Cost

  

Loss

  

Value

  

(In thousands)

Securities available-for-sale

  

  

  

  

  

  

  

  

    CMOs issued by US Government-sponsored agencies

$

 2,559 

  

$

 237 

  

$

 2,322 

    Obligations of Puerto Rico Government and political subdivisions

  

 20,845 

  

  

 5,470 

  

  

 15,375 

    GNMA certificates

  

 81 

  

  

 11 

  

  

 70 

  

$

 23,485 

  

$

 5,718 

  

$

 17,767 

  

  

  

  

  

  

  

  

  

  

Less than 12 months

  

Amortized

  

Unrealized

  

Fair

  

Cost

  

Loss

  

Value

  

(In thousands)

Securities available-for-sale

  

  

  

  

  

  

  

  

    CMOs issued by US Government-sponsored agencies

$

 182,662 

  

$

 6,577 

  

$

 176,084 

    FNMA and FHLMC certificates

  

 220,914 

  

  

 6,669 

  

  

 214,244 

    Obligations of Puerto Rico Government and political subdivisions

  

 100,190 

  

  

 1,375 

  

  

 98,815 

    Other debt securities

  

 20,000 

  

  

 320 

  

  

 19,680 

    Obligations of US government and sponsored agencies

  

 10,691 

  

  

 42 

  

  

 10,649 

    GNMA certificates

  

 122 

  

  

 13 

  

  

 109 

  

$

 534,579 

  

$

 14,996 

  

$

 519,581 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Total

  

Amortized

  

Unrealized

  

Fair

  

Cost

  

Loss

  

Value

  

(In thousands)

Securities available-for-sale

  

  

  

  

  

  

  

  

    CMOs issued by US Government-sponsored agencies

$

 185,220 

  

$

 6,814 

  

$

 178,406 

    FNMA and FHLMC certificates

  

 220,913 

  

  

 6,669 

  

  

 214,244 

    Obligations of Puerto Rico Government and political subdivisions

  

 121,035 

  

  

 6,845 

  

  

 114,190 

    Other debt securities

  

 20,000 

  

  

 320 

  

  

 19,680 

    Obligations of US government and sponsored agencies

  

 10,691 

  

  

 42 

  

  

 10,649 

    GNMA certificates

  

 203 

  

  

 24 

  

  

 179 

  

$

 558,062 

  

$

 20,714 

  

$

 537,348 

123

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

December 31, 2012

  

12 months or more

  

Amortized

  

Unrealized

  

Fair

  

Cost

  

Loss

  

Value

  

(In thousands)

Securities available-for-sale

  

  

  

  

  

  

  

  

    Obligations of Puerto Rico Government and political subdivisions

$

 1,673 

  

$

 12 

  

$

 1,661 

    CMOs issued by US Government-sponsored agencies

  

 2,194 

  

  

 178 

  

  

 2,016 

  

$

 3,867 

  

$

 190 

  

$

 3,677 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Less than 12 months

  

Amortized

  

Unrealized

  

Fair

  

Cost

  

Loss

  

Value

  

(In thousands)

Securities available-for-sale

  

  

  

  

  

  

  

  

    Obligations of Puerto Rico Government and political subdivisions

$

 19,086 

  

$

 426 

  

$

 18,660 

    CMOs issued by US Government-sponsored agencies

  

 10,671 

  

  

 615 

  

  

 10,056 

    US Treasury securities

  

 11,498 

  

  

 2 

  

  

 11,496 

    GNMA certificates

  

 84 

  

  

 8 

  

  

 76 

    FNMA and FHLMC certificates

  

 68 

  

  

 1 

  

  

 67 

  

$

 41,407 

  

$

 1,052 

  

$

 40,355 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Total

  

Amortized

  

Unrealized

  

Fair

  

Cost

  

Loss

  

Value

  

(In thousands)

Securities available-for-sale

  

  

  

  

  

  

  

  

    Obligations of Puerto Rico Government and political subdivisions

$

 20,759 

  

$

 438 

  

$

 20,321 

    CMOs issued by US Government-sponsored agencies

  

 12,865 

  

  

 793 

  

  

 12,072 

    US Treasury securities

  

 11,498 

  

  

 2 

  

  

 11,496 

    GNMA certificates

  

 84 

  

  

 8 

  

  

 76 

    FNMA and FHLMC certificates

  

 68 

  

  

 1 

  

  

 67 

  

$

 45,274 

  

$

 1,242 

  

$

 44,032 

124

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The valuations of the investment securities are performed on a monthly basis. Moreover, the Company conducts quarterly reviews to identify and evaluate each investment in an unrealized loss position for other-than-temporary impairment.  Any portion of a decline in value associated with credit loss is recognized in income with the remaining noncredit-related component recognized in other comprehensive income. A credit loss is determined by assessing whether the amortized cost basis of the security will be recovered by comparing the present value of cash flows expected to be collected from the security, discounted at the rate equal to the yield used to accrete current and prospective beneficial interest for the security. The shortfall of the present value of the cash flows expected to be collected in relation to the amortized cost basis is considered to be the “credit loss.” Other-than-temporary impairment analysis is based on estimates that depend on market conditions and are subject to further change over time. In addition, while the Company believes that the methodology used to value these exposures is reasonable, the methodology is subject to continuing refinement, including those made as a result of market developments. Consequently, it is reasonably possible that changes in estimates or conditions could result in the need to recognize additional other-than-temporary impairment charges in the future.

 

Investments in an unrealized loss position at December 31, 2013 mostly ($417.0 million, or 75% consisted of securities issued or guaranteed by the U.S. Treasury or U.S. government- sponsored agencies, all of which are highly liquid securities that have a large and efficient secondary market, and their aggregate losses, and their variability from period to period, are the result of changes in market conditions, and not due to the repayment capacity or creditworthiness of the issuers or guarantors  of such securities.   

 

The remaining investments in an unrealized loss position at December 31, 2013 ($141.1 million, or 25%) consist of obligations issued or collateralized by the government of Puerto Rico and its political subdivisions or instrumentalities.  The recent decline in the market value of these securities is mainly attributed to an increase in volatility as a result of changes in market conditions that reflect the significant economic and fiscal challenges that Puerto Rico is facing, including a protracted economic recession, sizable government debt-service obligations and structural budget deficits, high unemployment and a shrinking population.  As of December 31, 2013, the Company analyzed these investments under a plausible set of scenarios that included the possibility of a downgrade in the credit ratings of the Commonwealth, and also considered numerous factors that, in the Company’s view, support the ability of the Commonwealth to continue servicing its debt obligations.  Such factors include (i) the collateralization and sources of repayment for such debt obligations; (ii) the government’s efforts to increase revenues and reduce expenses to tackle its recurrent budget deficits; (iii) the Commonwealth’s constitutional framework that provides that “public debt” (e.g., general obligation bonds such as the $98.7 million principal amount Puerto Rico government bond owned by the Company, which is subject to mandatory tender for purchase in 2014) constitutes a first claim on available Commonwealth resources; and (iv) the Commonwealth’s compliance and commitment to its contractual debt obligations.  In addition, the Company believes it is probable that it will collect all amounts due according to the contractual terms of its Puerto Rico government bonds.  Based on these factors, the Company expects  that such bonds will be repaid in full when due, and given that the Company does not have the intent to sell any such bonds in an unrealized loss position, the Company does not consider them to be other-than-temporarily impaired as of December 31, 2013.

 

There were no other-than-temporary impairment losses on securities for the years 2013 and 2012. For the year 2011, the Company had $15.0 million other-than-temporarily impaired securities and recognized a net impairment loss for this amount in the consolidated statement of operations.

125

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 5 - PLEDGED ASSETS  

 

The following table shows a summary of pledged and not pledged assets at December 31, 2013 and 2012. Investment securities are presented at fair value, and residential mortgage loans, commercial loans and leases are presented at amortized cost:

 

  

December 31,

  

2013

  

2012

  

(In thousands)

Pledged investment securities to secure:

  

  

  

  

  

    Securities sold under agreements to repurchase

$

 1,277,919 

  

$

 1,898,533 

    Puerto Rico public fund deposits

  

 97,772  

  

  

 114,627 

    Puerto Rico Cash & Money Market Fund

  

 67,507 

  

  

 80,264 

    Interest rate risk swap contracts

  

 - 

  

  

 11,456 

    Federal Reserve Bank Credit Facility

  

 - 

  

  

 8,835 

    Bond for the Bank's trust operations

  

 105 

  

  

 124 

        Total pledged investment securities

  

 1,443,303 

  

  

 2,113,839 

Pledged residential mortgage loans to secure:

  

  

  

  

  

    Advances from the Federal Home Loan Bank

  

 1,151,836 

  

  

 1,252,080 

Pledged commercial loans to secure:

  

  

  

  

  

    Advances from the Federal Home Loan Bank

  

 130,607 

  

  

 47,320 

    Federal Reserve Bank Credit Facility

  

 184,772 

  

  

 254,964 

    Puerto Rico public fund deposits

  

 548,979  

  

  

 485,802 

  

  

 864,358 

  

  

 788,086 

Pledged auto loans and leases to secure:

  

  

  

  

  

    Federal Reserve Bank Credit Facility

  

 877,673 

  

  

 874,721 

            Total pledged assets

$

 4,337,170 

  

$

 5,028,726 

Financial assets not pledged:

  

  

  

  

  

    Investment securities

$

 136,976 

  

$

 80,447 

    Residential mortgage loans

  

 517,913 

  

  

 568,676 

    Commercial loans

  

 1,276,773 

  

  

 1,346,791 

    Consumer loans

  

 253,658 

  

  

 249,225 

    Auto loans and leases

  

 183,200 

  

  

 204,275 

            Total assets not pledged

$

 2,368,520 

  

$

 2,449,414 

 

At December 31, 2013 and 2012, OIB and Oriental Overseas, each, held unencumbered certificates of deposit in the amount of $300 thousand as the legal reserve required for international banking entities under Puerto Rico law. Each certificate of deposit cannot be withdrawn by OIB or Oriental Overseas without the OCFI’s prior written approval.

126

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 6 - LOANS 

 

The Company’s loan portfolio is composed of covered loans and non-covered loans. The Company presents loans subject to the loss sharing agreements as “covered loans” in the information below, and loans that are not subject to FDIC loss sharing agreements as “non-covered loans.” The risks of the FDIC-assisted Eurobank acquisition acquired loans are significantly different from those loans not covered under the FDIC loss sharing agreements because of the loss protection provided by the FDIC. Also, loans acquired in the BBVAPR Acquisition are included as non-covered loans in the consolidated statements of financial condition. Non-covered loans are further segregated between originated and other loans, acquired loans accounted for under ASC 310-20 (loans with revolving feature and/or acquired at a premium), and acquired loans accounted for under ASC 310-30 (loans acquired with deteriorated credit quality, including those by analogy).

 

For a summary of the accounting policies related to loans, interest recognition and allowance for loan and lease losses, please refer to the summary of significant accounting policies included in Note 1 to the consolidated financial statements.

 

The composition of the Company’s loan portfolio at December 31, 2013 and 2012 was as follows:

 

  

December 31,

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Loans not covered under shared-loss agreements with FDIC:

  

  

  

  

  

    Originated and other loans and leases held for investment:

  

  

  

  

  

        Mortgage 

$

 766,265 

  

$

 806,883 

        Commercial

  

 1,127,657 

  

  

 349,075 

        Consumer

  

 127,744 

  

  

 46,667 

        Auto and leasing

  

 379,874 

  

  

 37,577 

  

  

 2,401,540 

  

  

 1,240,202 

    Acquired loans:

  

  

  

  

  

     Accounted for under ASC 310-20 (Loans with revolving feature and/or

  

  

  

  

  

        acquired at a premium)

  

  

  

  

  

        Commercial

  

 77,681 

  

  

 350,242 

        Consumer

  

 56,174 

  

  

 70,347 

        Auto

  

 301,584 

  

  

 470,601 

  

  

 435,439 

  

  

 891,190 

     Accounted for under ASC 310-30 (Loans acquired with deteriorated 

  

  

  

  

  

         credit quality, including those by analogy)

  

  

  

  

  

        Mortgage 

  

 717,904 

  

  

 799,433 

        Commercial

  

 545,117 

  

  

 940,402 

        Construction

  

 126,427 

  

  

 193,442 

        Consumer

  

 63,620 

  

  

 123,825 

        Auto

  

 379,145 

  

  

 553,075 

  

  

 1,832,213 

  

  

 2,610,177 

  

  

 4,669,192 

  

  

 4,741,569 

        Deferred loan cost (fees), net

  

 1,035 

  

  

 (3,463) 

    Loans receivable

  

 4,670,227 

  

  

 4,738,106 

        Allowance for loan and lease losses on non-covered loans

  

 (54,298) 

  

  

 (39,921) 

    Loans receivable, net

  

 4,615,929 

  

  

 4,698,185 

        Mortgage loans held-for-sale

  

 46,529 

  

  

 64,145 

    Total loans not covered under shared-loss agreements with FDIC, net

  

 4,662,458 

  

  

 4,762,330 

Loans covered under shared-loss agreements with FDIC:

  

  

  

  

  

    Loans secured by 1-4 family residential properties

  

 121,748 

  

  

 128,811 

    Construction and development secured by 1-4 family residential properties

  

 17,304 

  

  

 15,969 

    Commercial and other construction

  

 264,249 

  

  

 289,070 

    Consumer

  

 6,119 

  

  

 8,493 

    Leasing

  

 270 

  

  

 7,088 

    Total loans covered under shared-loss agreements with FDIC

  

 409,690 

  

  

 449,431 

        Allowance for loan and lease losses on covered loans

  

 (52,729) 

  

  

 (54,124) 

    Total loans covered under shared-loss agreements with FDIC, net

  

 356,961 

  

  

 395,307 

Total loans, net

$

 5,019,419 

  

$

 5,157,637 

127

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Non-covered Loans

 

Originated and Other Loans and Leases Held for Investment

 

The Company’s originated and other held for investment loan transactions are encompassed within four portfolio segments: mortgage, commercial, consumer, and auto and leasing.

 

The following tables present the aging of the recorded investment in gross originated and other loans held for investment as of December 31, 2013 and 2012 by class of loans. Mortgage loans past due included delinquent loans in the GNMA buy-back option program. Servicers of loans underlying GNMA mortgage-backed securities must report as their own assets the defaulted loans that they have the option (but not the obligation) to repurchase, even when they elect not to exercise that option.

 

  

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Loans 90+

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Days Past

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Due and

  

30-59 Days

  

60-89 Days

  

90+ Days

  

Total Past

  

  

  

  

  

Still

  

Past Due

  

Past Due

  

Past Due

  

Due

  

Current

  

Total Loans

  

Accruing

  

(In thousands)

  

  

  

Mortgage

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Traditional (by origination year):

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Up to the year 2002

$

 6,534 

  

$

 1,635 

  

$

 3,408 

  

$

 11,577 

  

$

 64,935 

  

$

 76,512 

  

$

 79 

        Years 2003 and 2004

  

 4,722 

  

  

 2,163 

  

  

 1,845 

  

  

 8,730 

  

  

 56,387 

  

  

 65,117 

  

  

  

        Year 2005

  

 8,527 

  

  

 2,119 

  

  

 4,808 

  

  

 15,454 

  

  

 74,087 

  

  

 89,541 

  

  

  

        Year 2006

  

 12,055 

  

  

 4,312 

  

  

 4,418 

  

  

 20,785 

  

  

 99,537 

  

  

 120,322 

  

  

  

        Years 2007, 2008

            and 2009

  

 3,464 

  

  

 1,104 

  

  

 4,663 

  

  

 9,231 

  

  

 91,919 

  

  

 101,150 

  

  

 152 

        Years 2010, 2011, 2012

            and 2013

  

 3,923 

  

  

 1,609 

  

  

 4,453 

  

  

 9,985 

  

  

 139,561 

  

  

 149,546 

  

  

 459 

  

  

 39,225 

  

  

 12,942 

  

  

 23,595 

  

  

 75,762 

  

  

 526,426 

  

  

 602,188 

  

  

 690 

        Non-traditional

  

 3,217 

  

  

 1,162 

  

  

 2,311 

  

  

 6,690 

  

  

 35,412 

  

  

 42,102 

  

  

 - 

        Loss mitigation program

  

 9,759 

  

  

 5,560 

  

  

 13,191 

  

  

 28,510 

  

  

 57,808 

  

  

 86,318 

  

  

 2,185 

  

  

 52,201 

  

  

 19,664 

  

  

 39,097 

  

  

 110,962 

  

  

 619,646 

  

  

 730,608 

  

  

 2,875 

    Home equity secured personal loans

  

 - 

  

  

 - 

  

  

 138 

  

  

 138 

  

  

 598 

  

  

 736 

  

  

 - 

    GNMA's buy-back option program

  

 - 

  

  

 - 

  

  

 34,921 

  

  

 34,921 

  

  

 - 

  

  

 34,921 

  

  

 - 

  

  

 52,201 

  

  

 19,664 

  

  

 74,156 

  

  

 146,021 

  

  

 620,244 

  

  

 766,265 

  

  

 2,875 

Commercial

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Commercial secured by real estate:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Corporate

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 54,796 

  

  

 54,796 

  

  

 - 

        Institutional

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 4,050 

  

  

 4,050 

  

  

 - 

        Middle market

  

 1,356 

  

  

 - 

  

  

 10,294 

  

  

 11,650 

  

  

 149,933 

  

  

 161,583 

  

  

 - 

        Retail

  

 4,253 

  

  

 1,015 

  

  

 3,190 

  

  

 8,458 

  

  

 158,184 

  

  

 166,642 

  

  

 - 

        Floor plan

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 1,835 

  

  

 1,835 

  

  

 - 

        Real estate

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 11,655 

  

  

 11,655 

  

  

 - 

  

  

 5,609 

  

  

 1,015 

  

  

 13,484 

  

  

 20,108 

  

  

 380,453 

  

  

 400,561 

  

  

 - 

    Other commercial and industrial:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Corporate

  

 236 

  

  

 - 

  

  

 - 

  

  

 236 

  

  

 32,362 

  

  

 32,598 

  

  

 - 

        Institutional

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 536,445 

  

  

 536,445 

  

  

 - 

        Middle market

  

 - 

  

  

 299 

  

  

 1,134 

  

  

 1,433 

  

  

 57,464 

  

  

 58,897 

  

  

 - 

        Retail

  

 1,830 

  

  

 552 

  

  

 539 

  

  

 2,921 

  

  

 58,589 

  

  

 61,510 

  

  

 - 

        Floor plan

  

 39 

  

  

 - 

  

  

 - 

  

  

 39 

  

  

 37,607 

  

  

 37,646 

  

  

 - 

  

  

 2,105 

  

  

 851 

  

  

 1,673 

  

  

 4,629 

  

  

 722,467 

  

  

 727,096 

  

  

 - 

  

  

 7,714 

  

  

 1,866 

  

  

 15,157 

  

  

 24,737 

  

  

 1,102,920 

  

  

 1,127,657 

  

  

 - 

128

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Loans 90+

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Days Past

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Due and

  

30-59 Days

  

60-89 Days

  

90+ Days

  

Total Past

  

  

  

  

  

Still

  

Past Due

  

Past Due

  

Past Due

  

Due

  

Current

  

Total Loans

  

Accruing

  

(In thousands)

  

  

  

Consumer

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Credit cards

  

 287 

  

  

 168 

  

  

 232 

  

  

 687 

  

  

 14,554 

  

  

 15,241 

  

  

 - 

        Overdrafts

  

 46 

  

  

 4 

  

  

 - 

  

  

 50 

  

  

 322 

  

  

 372 

  

  

 - 

        Personal lines of credit

  

 33 

  

  

 38 

  

  

 66 

  

  

 137 

  

  

 1,844 

  

  

 1,981 

  

  

 - 

        Personal loans

  

 1,324 

  

  

 399 

  

  

 352 

  

  

 2,075 

  

  

 92,485 

  

  

 94,560 

  

  

 - 

        Cash collateral personal loans

  

 324 

  

  

 43 

  

  

 - 

  

  

 367 

  

  

 15,223 

  

  

 15,590 

  

  

 - 

  

  

 2,014 

  

  

 652 

  

  

 650 

  

  

 3,316 

  

  

 124,428 

  

  

 127,744 

  

  

 - 

Auto and leasing

  

 25,531 

  

  

 9,437 

  

  

 5,089 

  

  

 40,057 

  

  

 339,817 

  

  

 379,874 

  

  

 - 

    Total

$

 87,460 

  

$

 31,619 

  

$

 95,052 

  

$

 214,131 

  

$

 2,187,409 

  

$

 2,401,540 

  

$

 2,875 

 

  

December 31, 2012

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Loans 90+

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Days Past

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Due and

  

30-59 Days

  

60-89 Days

  

90+ Days

  

Total Past

  

  

  

  

  

  

  

Still

  

Past Due

  

Past Due

  

Past Due

  

Due

  

Current

  

Total Loans

  

Accruing

  

(In thousands)

Mortgage

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Traditional

        (by origination year):

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Up to the year 2002

$

 6,906 

  

$

 2,116 

  

$

 11,363 

  

$

 20,385 

  

$

 80,883 

  

$

 101,268 

  

$

 - 

        Years 2003 and 2004

  

 12,048 

  

  

 5,206 

  

  

 18,162 

  

  

 35,416 

  

  

 114,446 

  

  

 149,862 

  

  

 - 

        Year 2005

  

 4,983 

  

  

 1,746 

  

  

 8,860 

  

  

 15,589 

  

  

 65,312 

  

  

 80,901 

  

  

 - 

        Year 2006

  

 9,153 

  

  

 3,525 

  

  

 15,363 

  

  

 28,041 

  

  

 85,045 

  

  

 113,086 

  

  

 - 

        Years 2007, 2008

            and 2009

  

 2,632 

  

  

 1,682 

  

  

 8,965 

  

  

 13,279 

  

  

 108,358 

  

  

 121,637 

  

  

 - 

        Years 2010, 2011 and 2012

 

  

 632 

  

  

 769 

  

  

 2,753 

  

  

 4,154 

  

  

 64,434 

  

  

 68,588 

  

  

 - 

  

  

 36,354 

  

  

 15,044 

  

  

 65,466 

  

  

 116,864 

  

  

 518,478 

  

  

 635,342 

  

  

 - 

        Non-traditional

  

 2,850 

  

  

 1,067 

  

  

 11,160 

  

  

 15,077 

  

  

 42,742 

  

  

 57,819 

  

  

 - 

        Loss mitigation program

  

 8,933 

  

  

 4,649 

  

  

 19,989 

  

  

 33,571 

  

  

 53,739 

  

  

 87,310 

  

  

 - 

  

  

 48,137 

  

  

 20,760 

  

  

 96,615 

  

  

 165,512 

  

  

 614,959 

  

  

 780,471 

  

  

 - 

        Home equity secured personal loans

  

 - 

  

  

 - 

  

  

 10 

  

  

 10 

  

  

 726 

  

  

 736 

  

  

 - 

        GNMA's buy-back option program

  

 - 

  

  

 - 

  

  

 25,676 

  

  

 25,676 

  

  

 - 

  

  

 25,676 

  

  

 - 

  

  

 48,137 

  

  

 20,760 

  

  

 122,301 

  

  

 191,198 

  

  

 615,685 

  

  

 806,883 

  

  

 - 

Commercial

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Commercial secured by real estate

  

 9,062 

  

  

 271 

  

  

 15,335 

  

  

 24,668 

  

  

 226,606 

  

  

 251,274 

  

  

 - 

    Other commercial and industrial

  

 345 

  

  

 189 

  

  

 2,378 

  

  

 2,912 

  

  

 94,889 

  

  

 97,801 

  

  

 - 

  

  

 9,407 

  

  

 460 

  

  

 17,713 

  

  

 27,580 

  

  

 321,495 

  

  

 349,075 

  

  

 - 

Consumer

  

 747 

  

  

 92 

  

  

 409 

  

  

 1,248 

  

  

 45,419 

  

  

 46,667 

  

  

 - 

Auto and leasing

  

 251 

  

  

 129 

  

  

 131 

  

  

 511 

  

  

 37,066 

  

  

 37,577 

  

  

 - 

            Total

$

 58,542 

  

$

 21,441 

  

$

 140,554 

  

$

 220,537 

  

$

 1,019,665 

  

$

 1,240,202 

  

$

 - 

129

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

During the year 2013, the Company transferred non-performing residential mortgage loans held-for-investment  with a book value of  $55.2 million to held-for-sale at a fair value of $27.0 million. The difference between fair value and book value was recorded as charge-offs to the mortgage portfolio. The provision for loan and lease losses during the year 2013 increased to provide the coverage necessary under the allowance policy for the remaining mortgage loans, following the effects that the aforementioned reclassification had on the mortgage portfolio allowance level.

 

During the year 2013, the Company sold originated performing and non-performing residential mortgage loans held-for-sale with unpaid principal balance of $62.9 million and recorded a realized loss on the transaction of $1.4 million.

 

Increase in delinquencies of the consumer and the auto and leasing portfolios compared to December 31, 2012 is mainly attributed to the fact that during the BBVAPR Acquisition a substantial portion of the acquired non-performing loans were accounted for under ASC 310-30. At December 31, 2013 such portfolios are increasing as new originations are ramping up the balances outstanding.  After a year from the BBVPR Acquisition, those portfolios are beginning to reflect normal delinquency levels as seasoned portfolios.

 

At December 31, 2013, the Company had $515.4 million in loans granted to the Puerto Rico government, including its instrumentalities, public corporations and municipalities as part of the institutional commercial loan segment. This entire amount was current at December 31, 2013.

 

Acquired Loans Accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium)

 

Credit cards, retail and commercial revolving lines of credits, floor plans and performing auto loans with FICO scores over 660 acquired at a premium as part of the BBVAPR Acquisition are accounted for under the guidance of ASC 310-20, which requires that any contractually required loan payment receivable in excess of the Company’s initial investment in the loans be accreted into interest income on a level-yield basis over the life of the loan.  Loans accounted for under ASC 310-20 are placed on non-accrual status when past due in accordance with the Company’s non-accrual policy and any accretion of discount or amortization of premium is discontinued. Loans acquired in the BBVAPR Acquisition that were accounted for under the provisions of ASC 310-20 are removed from the acquired loan category at the end of the reporting period upon refinancing, renewal or normal re-underwriting.

 

130

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The following table presents the aging of the recorded investment in gross acquired loans accounted for under ASC 310-20 as of December 31, 2013 and 2012 by class of loans:

 

  

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Loans 90+

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Days Past

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Due and

  

30-59 Days

  

60-89 Days

  

90+ Days

  

Total Past

  

  

  

  

  

Still

  

Past Due

  

Past Due

  

Past Due

  

Due

  

Current

  

Total Loans

  

Accruing

  

(In thousands)

  

  

  

Commercial

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Commercial secured by real estate

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Corporate

$

 - 

  

$

 - 

  

$

 - 

  

$

 - 

  

$

 10,166 

  

$

 10,166 

  

$

 - 

        Retail

  

 431 

  

  

 331 

  

  

 868 

  

  

 1,630 

  

  

 4,140 

  

  

 5,770 

  

  

 - 

        Floor plan

  

  

  

  

  

  

  

 101 

  

  

 101 

  

  

 2,576 

  

  

 2,677 

  

  

 - 

  

  

 431 

  

  

 331 

  

  

 969 

  

  

 1,731 

  

  

 16,882 

  

  

 18,613 

  

  

 - 

    Other commercial and industrial

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Corporate

  

 14 

  

  

 83 

  

  

 - 

  

  

 97 

  

  

 9,696 

  

  

 9,793 

  

  

 - 

        Retail

  

 1,717 

  

  

 1,418 

  

  

 659 

  

  

 3,794 

  

  

 23,544 

  

  

 27,338 

  

  

 - 

        Floor plan

  

 35 

  

  

 193 

  

  

 18 

  

  

 246 

  

  

 21,691 

  

  

 21,937 

  

  

 - 

  

  

 1,766 

  

  

 1,694 

  

  

 677 

  

  

 4,137 

  

  

 54,931 

  

  

 59,068 

  

  

 - 

  

  

 2,197 

  

  

 2,025 

  

  

 1,646 

  

  

 5,868 

  

  

 71,813 

  

  

 77,681 

  

  

 - 

    Consumer

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Credit cards

  

 2,217 

  

  

 1,200 

  

  

 2,068 

  

  

 5,485 

  

  

 46,714 

  

  

 52,199 

  

  

 - 

        Personal loans

  

 196 

  

  

 7 

  

  

 91 

  

  

 294 

  

  

 3,681 

  

  

 3,975 

  

  

 - 

  

  

 2,413 

  

  

 1,207 

  

  

 2,159 

  

  

 5,779 

  

  

 50,395 

  

  

 56,174 

  

  

 - 

    Auto

  

 12,534 

  

  

 3,616 

  

  

 1,608 

  

  

 17,758 

  

  

 283,826 

  

  

 301,584 

  

  

 - 

       Total

$

 17,144 

  

$

 6,848 

  

$

 5,413 

  

$

 29,405 

  

$

 406,034 

  

$

 435,439 

  

$

 - 

 

  

December 31, 2012

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Loans 90+

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Days Past

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Due and

  

30-59 Days

  

60-89 Days

  

90+ Days

  

Total Past

  

  

  

  

  

Still

  

Past Due

  

Past Due

  

Past Due

  

Due

  

Current

  

Total Loans

  

Accruing

  

(In thousands)

  

  

  

    Commercial secured by real estate

$

 315 

  

$

 - 

  

$

 - 

  

$

 315 

  

$

 20,464 

  

$

 20,779 

  

$

 - 

    Other commercial and industrial

  

 715 

  

  

 76 

  

  

 193 

  

  

 984 

  

  

 328,479 

  

  

 329,463 

  

  

 - 

    Consumer

  

 982 

  

  

 - 

  

  

 1,095 

  

  

 2,077 

  

  

 68,270 

  

  

 70,347 

  

  

 - 

    Auto

  

 6,753 

  

  

 1,023 

  

  

 275 

  

  

 8,051 

  

  

 462,550 

  

  

 470,601 

  

  

 - 

       Total

$

 8,765 

  

$

 1,099 

  

$

 1,563 

  

$

 11,427 

  

$

 879,763 

  

$

 891,190 

  

$

 - 

131

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

 

Loans acquired as part of the BBVAPR Acquisition, except for credit cards, retail and commercial revolving lines of credits, floor plans and performing auto loans with FICO scores over 660 acquired at a premium are accounted for by the Company in accordance with ASC 310-30.

 

The carrying amount corresponding to non-covered loans acquired with deteriorated credit quality, including those accounted under ASC 310-30 by analogy, in the statements of financial condition at December 31, 2013 and 2012 is as follows:

 

  

  

December 31,

  

  

2013

  

2012

  

  

(In thousands)

Contractual required payments receivable

  

$ 2,929,353 

  

$ 3,980,472 

Less: Non-accretable discount

  

 579,587 

  

 714,462 

Cash expected to be collected

  

 2,349,766 

  

 3,266,010 

Less: Accretable yield

  

 517,553 

  

 655,833 

Carrying amount

  

$ 1,832,213 

  

$ 2,610,177 

 

At December 31, 2013, the Company had $180.5 million in loans granted to the Puerto Rico government, including its instrumentalities, public corporations and municipalities as part of its non-covered acquired loans accounted for under ASC 310-30.

 

The following tables describe the accretable yield and non-accretable discount activity of acquired loans accounted for under ASC 310-30 for the years ended December 31, 2013 and 2012, excluding covered loans:

 

  

Year Ended December 31,

  

2013

  

2012

  

  

Accretable Yield Activity

  

  

  

  

  

Balance at beginning of period

$

 655,833 

  

$

 - 

    Additions

  

 - 

  

  

 663,700 

    Accretion

  

 (199,178) 

  

  

 (7,867) 

    Transfer from non-accretable discount

  

 60,898 

  

  

 - 

Balance at end of period

$

 517,553 

  

$

 655,833 

  

  

  

  

  

  

  

Year Ended December 31,

  

2013

  

2012

  

  

Non-Accretable Discount Activity

  

  

  

  

  

Balance at beginning of period

$

 714,462 

  

$

 - 

    Additions

  

 - 

  

  

 717,516 

    Principal losses

  

 (73,977) 

  

  

 (3,054) 

    Transfer to accretable yield

  

 (60,898) 

  

  

 - 

Balance at end of period

$

 579,587 

  

$

 714,462 

132

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Covered Loans

 

The carrying amount of covered loans at December 31, 2013 and 2012 is as follows:

 

  

December 31,

  

2013

  

2012

  

(In thousands)

Contractual required payments receivable

$

 702,126 

  

$

 874,994 

Less: Non-accretable discount

  

 129,477 

  

  

 237,555 

Cash expected to be collected

  

 572,649 

  

  

 637,439 

Less: Accretable yield

  

 162,959 

  

  

 188,008 

Carrying amount, gross

  

 409,690 

  

  

 449,431 

Less: Allowance for covered loan and lease losses

  

 52,729 

  

  

 54,124 

Carrying amount, net

$

 356,961 

  

$

 395,307 

 

The following tables describe the accretable yield and non-accretable discount activity of covered loans for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31,

  

2013

  

2012

  

2011

  

(In thousands)

Accretable yield activity

  

  

  

  

  

  

  

  

Balance at beginning of period

$

 188,008 

  

$

 188,822 

  

$

 148,556 

    Accretion

  

 (91,769) 

  

  

 (85,376) 

  

  

 (67,665) 

    Transfer from non-accretable discount

  

 66,720 

  

  

 84,562 

  

  

 107,931 

Balance at end of period

$

 162,959 

  

$

 188,008 

  

$

 188,822 

  

  

  

  

  

  

  

  

  

  

Year Ended December 31,

  

2013

  

2012

  

2012

  

(In thousands)

Non-accretable discount activity

  

  

  

  

  

  

  

  

Balance at beginning of period

$

 237,555 

  

$

 412,170 

  

$

 603,296 

    Principal losses

  

 (41,358) 

  

  

 (90,053) 

  

  

 (83,195) 

    Transfer to accretable yield

  

 (66,720) 

  

  

 (84,562) 

  

  

 (107,931) 

Balance at end of period

$

 129,477 

  

$

 237,555 

  

$

 412,170 

133

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Non-accrual Loans

 

The following table presents the recorded investment in loans in non-accrual status by class of loans as of December 31, 2013 and 2012:

 

  

December 31, 

  

2013

  

2012

  

(In thousands) 

Originated and other loans and leases held for investment

  

  

  

  

  

Mortgage

  

  

  

  

  

    Traditional (by origination year):

  

  

  

  

  

        Up to the year 2002

$

 3,428 

  

$

 11,362 

        Years 2003 and 2004

  

 1,845 

  

  

 18,162 

        Year 2005

  

 4,922 

  

  

 8,859 

        Year 2006

  

 4,418 

  

  

 15,363 

        Years 2007, 2008 and 2009

  

 4,511 

  

  

 8,967 

        Years 2010, 2011, 2012 and 2013

  

 7,818 

  

  

 1,162 

  

  

 26,942 

  

  

 63,875 

        Non-traditional

  

 2,311 

  

  

 11,160 

        Loss mitigation program

  

 18,792 

  

  

 39,957 

  

  

 48,045 

  

  

 114,992 

    Home equity secured personal loans

  

 138 

  

  

 10 

  

  

 48,183 

  

  

 115,002 

Commercial

  

  

  

  

  

    Commercial secured by real estate

  

  

  

  

  

        Middle market

  

 11,895 

  

  

 7,544 

        Retail

  

 7,208 

  

  

 18,973 

  

  

 19,103 

  

  

 26,517 

    Other commercial and industrial

  

  

  

  

  

        Middle market

  

 1,134 

  

  

 938 

        Retail

  

 2,485 

  

  

 2,051 

        Floor plan

  

 108 

  

  

 - 

  

  

 3,727 

  

  

 2,989 

  

  

 22,830 

  

  

 29,506 

Consumer

  

  

  

  

  

    Credit cards

  

 232 

  

  

 155 

    Overdrafts

  

 - 

  

  

 4 

    Personal lines of credit

  

 84 

  

  

 140 

    Personal loans

  

 485 

  

  

 116 

    Cash collateral personal loans

  

 4 

  

  

 27 

  

  

 805 

  

  

 442 

Auto and leasing

  

 5,089 

  

  

 131 

  

$

 76,907 

  

$

 145,081 

134

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

December 31, 

  

2013

  

2012

  

(In thousands) 

Acquired loans accounted under ASC 310-20

  

  

  

  

  

Commercial

  

  

  

  

  

    Commercial secured by real estate

  

  

  

  

  

        Retail

$

 956 

  

$

 - 

        Floor plan

  

 101 

  

  

 - 

  

  

 1,057 

  

  

 - 

    Other commercial and industrial

  

  

  

  

  

        Corporate

  

 97 

  

  

 - 

        Retail

  

 1,371 

  

  

 193 

        Floor plan

  

 18 

  

  

 - 

  

  

 1,486 

  

  

 193 

  

  

 2,543 

  

  

 193 

Consumer

  

  

  

  

  

    Credit cards

  

 2,068 

  

  

 1,089 

    Personal lines of credit

  

 - 

  

  

 6 

    Personal loans

  

 151 

  

  

 - 

  

  

 2,219 

  

  

 1,095 

Auto

  

 1,608 

  

  

 275 

  

  

 6,370 

  

  

 1,563 

            Total non-accrual loans

$

 83,277 

  

$

 146,644 

 

Loans accounted for under ASC 310-30 are excluded from the above table as they are considered to be performing due to the application of the accretion method, in which these loans will accrete interest income over the remaining life of the loans using estimated cash flow analyses.

 

Effective April 24, 2013, delinquent residential mortgage loans insured or guaranteed under applicable FHA and VA programs are placed in non-accrual when they become 18 months or more past due, since they are insured loans. Before that date, they were placed in non-accrual when they became 90 days or more past due.

 

At December 31, 2013 and 2012, loans whose terms have been extended and which are classified as troubled-debt restructurings that are not included in non-accrual loans amounted to $66.5 million and $42.2 million, respectively, as they are performing under their new terms.

135

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 7 – ALLOWANCE FOR LOAN AND LEASE LOSSES

 

The composition of the Company’s allowance for loan and lease losses at December 31, 2013 and 2012 was as follows:

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Allowance for loans and lease losses on non-covered loans:

  

  

  

  

  

    Originated and other loans and leases held for investment:

  

  

  

  

  

        Mortgage 

$

 19,937 

  

$

 21,092 

        Commercial

  

 14,897 

  

  

 17,072 

        Consumer

  

 6,006 

  

  

 856 

        Auto and leasing

  

 7,866 

  

  

 533 

        Unallocated

  

 375 

  

  

 368 

  

  

 49,081 

  

  

 39,921 

    Acquired loans:

  

  

  

  

  

     Accounted for under ASC 310-20 (Loans with revolving feature and/or

  

  

  

  

  

        acquired at a premium)

  

  

  

  

  

        Commercial

  

 926 

  

  

 - 

        Auto

  

 1,428 

  

  

 - 

  

  

 2,354 

  

  

 - 

     Accounted for under ASC 310-30 (Loans acquired with deteriorated 

  

  

  

  

  

         credit quality, including those by analogy)

  

  

  

  

  

        Commercial

  

 1,713 

  

  

 - 

        Consumer

  

 418 

  

  

 - 

        Auto

  

 732 

  

  

 - 

  

  

 2,863 

  

  

 - 

  

  

 54,298 

  

  

 39,921 

Allowance for loans and lease losses on covered loans:

  

  

  

  

  

    Loans secured by 1-4 family residential properties

  

 12,495 

  

  

 6,137 

    Construction and development secured by 1-4 family residential properties

  

 - 

  

  

 4,986 

    Commercial and other construction

  

 39,619 

  

  

 42,324 

    Consumer

  

 615 

  

  

 677 

  

  

 52,729 

  

  

 54,124 

Total allowance for loan and lease losses

$

 107,027 

  

$

 94,045 

 

Non-Covered Loans

 

The Company maintains an allowance for loan and lease losses at a level that management considers adequate to provide for probable losses based upon an evaluation of known and inherent risks. The Company’s allowance for loan and lease losses policy provides for a detailed quarterly analysis of probable losses. The analysis includes a review of historical loan loss experience, value of underlying collateral, current economic conditions, financial condition of borrowers and other pertinent factors. While management uses available information in estimating probable loan losses, future additions to the allowance may be required based on factors beyond the Company’s control. We also maintain an allowance for loan losses on acquired loans when: (i) for loans accounted for under ASC 310-30, there is deterioration in credit quality subsequent to acquisition, and (ii) for loans accounted for under ASC 310-20, the inherent losses in the loans exceed the remaining credit discount recorded at the time of acquisition.

 

136

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Originated and Other Loans and Leases Held for Investment

 

The following tables present the activity in our allowance for loan and lease losses and the related recorded investment of the associated loans for our originated and other loans held for investment portfolio by segment for the periods indicated:

 

  

Year Ended December 31, 2013

  

  

  

  

  

  

  

  

  

  

Auto and 

  

  

  

  

  

  

  

Mortgage 

  

Commercial 

  

Consumer 

  

Leasing 

  

Unallocated 

  

Total 

  

(In thousands)

Allowance for loan and lease losses for non-covered originated and other loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Balance at beginning of year

$

 21,092 

  

$

 17,072 

  

$

 856 

  

$

 533 

  

$

 368 

  

$

 39,921 

        Charge-offs

  

 (36,566) 

  

  

 (5,889) 

  

  

 (1,485) 

  

  

 (4,601) 

  

  

 - 

  

  

 (48,541) 

        Recoveries

  

 6 

  

  

 383 

  

  

 165 

  

  

 1,568 

  

  

 - 

  

  

 2,122 

        Provision for non-covered originated

            and other loan and lease losses

  

 35,405 

  

  

 3,331 

  

  

 6,470 

  

  

 10,366 

  

  

 7 

  

  

 55,579 

                Balance at end of year

$

 19,937 

  

$

 14,897 

  

$

 6,006 

  

$

 7,866 

  

$

 375 

  

$

 49,081 

 

  

December 31, 2013

  

Mortgage 

  

Commercial 

  

Consumer 

  

Auto and Leasing 

  

Unallocated 

  

Total 

  

(In thousands)

Allowance for loan and lease losses on non-covered originated and other loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Ending allowance balance attributable

      to loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Individually evaluated for impairment

$

 8,708 

  

$

 1,431 

  

$

 - 

  

$

 - 

  

$

 - 

  

$

 10,139 

        Collectively evaluated for impairment

  

 11,229 

  

  

 13,466 

  

  

 6,006 

  

  

 7,866 

  

  

 375 

  

  

 38,942 

                Total ending allowance balance

$

 19,937 

  

$

 14,897 

  

$

 6,006 

  

$

 7,866 

  

$

 375 

  

$

 49,081 

Loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Individually evaluated for impairment

$

 84,494 

  

$

 28,145 

  

$

 - 

  

$

 - 

  

$

 - 

  

$

 112,639 

        Collectively evaluated for impairment

  

 681,771 

  

  

 1,099,512 

  

  

 127,744 

  

  

 379,874 

  

  

 - 

  

  

 2,288,901 

                Total ending loan balance

$

 766,265 

  

$

 1,127,657 

  

$

 127,744 

  

$

 379,874 

  

$

 - 

  

$

 2,401,540 

 

Provision for non-covered loan losses for the year 2013 increased $53.7 million when compared to 2012. The increase is mostly due to the net impact of $21.0 million in additional provision for loan and lease losses due to reclassification to held-for-sale of non-performing residential mortgage loans with a net book value of $55.2 million, which were sold during the period, and the increase in loan average balances in 2013.

Charge-offs for the year 2013 increased $37.1 million when compared to 2012. The increase is mostly due to a charge-off amounting to $28.0 million from the difference in fair value and book value of the aforementioned non-performing residential mortgage loans reclassified to held-for-sale.

137

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

Year Ended December 31, 2012

  

Mortgage 

  

Commercial 

  

Consumer 

  

Auto and Leasing 

  

Unallocated 

  

Total 

  

(In thousands)

Allowance for loan and lease losses for non-covered originated and other loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Balance at beginning of year

$

 21,652 

  

$

 12,548 

  

$

 1,423 

  

$

 845 

  

$

 542 

  

$

 37,010 

        Charge-offs

  

 (6,492) 

  

  

 (4,081) 

  

  

 (739) 

  

  

 (139) 

  

  

 - 

  

  

 (11,451) 

        Recoveries

  

 131 

  

  

 156 

  

  

 194 

  

  

 27 

  

  

 - 

  

  

 508 

        Provision for (recapture of) non-covered

            originated and other loan and lease losses

  

 5,801 

  

  

 8,449 

  

  

 (22) 

  

  

 (200) 

  

  

 (174) 

  

  

 13,854 

                Balance at end of year

$

 21,092 

  

$

 17,072 

  

$

 856 

  

$

 533 

  

$

 368 

  

$

 39,921 

 

  

December 31, 2012

  

Mortgage 

  

Commercial 

  

Consumer 

  

Auto and Leasing 

  

Unallocated 

  

Total 

  

(In thousands)

Allowance for loan and lease losses for non-covered originated and other loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Ending allowance balance attributable to loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Individually evaluated for impairment

$

 5,334 

  

$

 4,121 

  

$

 - 

  

$

 - 

  

$

 - 

  

$

 9,455 

        Collectively evaluated for impairment

  

 15,758 

  

  

 12,951 

  

  

 856 

  

  

 533 

  

  

 368 

  

  

 30,466 

                Total ending allowance balance

$

 21,092 

  

$

 17,072 

  

$

 856 

  

$

 533 

  

$

 368 

  

$

 39,921 

Loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Individually evaluated for impairment

$

 74,783 

  

$

 46,199 

  

$

 - 

  

$

 - 

  

$

 - 

  

$

 120,982 

        Collectively evaluated for impairment

  

 732,100 

  

  

 302,876 

  

  

 46,667 

  

  

 37,577 

  

  

 - 

  

  

 1,119,220 

                Total ending loans balance

$

 806,883 

  

$

 349,075 

  

$

 46,667 

  

$

 37,577 

  

$

 - 

  

$

 1,240,202 

 

  

Year Ended December 31, 2011

  

Mortgage 

  

Commercial 

  

Consumer 

  

Leasing 

  

Unallocated 

  

Total 

  

(In thousands)

Allowance for loan and lease losses for

    non-covered originated and other loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Balance at beginning of year

$

 16,179 

  

$

 11,153 

  

$

 2,286 

  

$

 860 

  

$

 952 

  

$

 31,430 

        Charge-offs

  

 (5,836) 

  

  

 (2,506) 

  

  

 (1,587) 

  

  

 (197) 

  

  

 - 

  

  

 (10,126) 

        Recoveries

  

 101 

  

  

 161 

  

  

 234 

  

  

 10 

  

  

 - 

  

  

 506 

        Provision for (recapture of) non-covered

            originated and other loan and lease losses

  

 11,208 

  

  

 3,740 

  

  

 490 

  

  

 172 

  

  

 (410) 

  

  

 15,200 

                Balance at end of year

$

 21,652 

  

$

 12,548 

  

$

 1,423 

  

$

 845 

  

$

 542 

  

$

 37,010 

138

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Acquired Loans Accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium)

 

The following tables present the activity in our allowance for loan losses and related recorded investment of the associated loans in our non-covered acquired loan portfolio, excluding loans accounted for under ASC 310-30, for the year ended December 31, 2013:

 

  

Year Ended December 31, 2013

  

Commercial 

  

Consumer 

  

Auto 

  

Unallocated 

  

Total 

  

  

Allowance for loan and lease losses

    for non-covered acquired loans 

    accounted for under ASC 310-20:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

      Balance at beginning of year

$

 - 

$ 1 

$

 - 

  

$

 - 

  

$

 - 

  

$

 - 

          Charge-offs

  

 (25) 

  

  

 (5,530) 

  

  

 (5,650) 

  

  

 - 

  

  

 (11,205) 

          Recoveries

  

 9 

  

  

 1,035 

  

  

 3,398 

  

  

 - 

  

  

 4,442 

          Provision for non-covered acquired

            loan and lease losses accounted for

            under ASC 310-20

  

 942 

  

  

 4,495 

  

  

 3,680 

  

  

 - 

  

  

 9,117 

                Balance at end of year

$

 926 

  

$

 - 

  

$

 1,428 

  

$

 - 

  

$

 2,354 

 

  

December 31, 2013

  

Commercial 

  

Consumer 

  

Auto 

  

Unallocated 

  

Total 

  

  

Allowance for loan and lease losses on non-covered acquired loans accounted for under ASC 310-20:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Ending allowance balance attributable

      to loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Collectively evaluated for impairment

  

 926 

  

  

 - 

  

  

 1,428 

  

  

 - 

  

  

 2,354 

                Total ending allowance balance

$

 926 

  

$

 - 

  

$

 1,428 

  

$

 - 

  

$

 2,354 

Loans:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Collectively evaluated for impairment

  

 77,681 

  

  

 56,174 

  

  

 301,584 

  

  

 - 

  

  

 435,439 

                Total ending loan balance

$

 77,681 

  

$

 56,174 

  

$

 301,584 

  

$

 - 

  

$

 435,439 

 

The loans acquired in the BBVAPR Acquisition accounted for under ASC 310-20 (loans with revolving feature and/or acquired at a premium) were recognized at fair value as of December 18, 2012, which included the impact of expected credit losses. Therefore, at December 31, 2012, such loans did not require an allowance for loan and lease losses.

139

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

 

The following tables present the activity in our allowance for loan losses and related recorded investment of the associated loans in our non-covered acquired loan portfolio accounted for under ASC 310-30, for the year ended December 31, 2013:

 

  

Year Ended December 31, 2013

  

Mortgage 

  

Commercial 

  

Construction 

  

Consumer 

  

Auto 

  

Total 

  

  

Allowance for loan and lease losses for non-covered loans accounted for under ASC 310-30:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

      Balance at beginning of year

$

 - 

$ 1 

$

 - 

$ 1 

$

 - 

$ 1 

$

 - 

  

$

 - 

  

$

 - 

          Provision for non-covered acquired

            loan and lease losses accounted for

            under ASC 310-30

  

 - 

  

  

 1,713 

  

  

 - 

  

  

 418 

  

  

 732 

  

  

 2,863 

                Balance at end of year

$

 - 

  

$

 1,713 

  

$

 - 

  

$

 418 

  

$

 732 

  

$

 2,863 

 

Loans acquired in the BBVAPR Acquisition accounted for under ASC 310-30 were recognized at fair value as of December 18, 2012, which included the impact of expected credit losses and , therefore, no allowance for credit losses was recorded at December 31, 2012. To the extent credit deterioration occurs after the date of acquisition, the Company would record an allowance for loan and lease losses. As part of the evaluation of actual versus expected cash flows, the Company assesses on a quarterly basis the credit quality of these loans based on delinquency, severity factors and risk rating, among other assumptions. Migration and credit quality trends are assessed at the pool and individual loan levels, as applicable by comparing information from the latest evaluation period through the end of the reporting period.

140

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Impaired Loans

 

The Company evaluates all loans, some individually and others as homogeneous groups, for purposes of determining impairment. The total investment in impaired commercial loans was $28.1 million and $46.2 million at December 31, 2013 and 2012, respectively. The impaired commercial loans were measured based on the fair value of collateral or the present value of cash flows, including those identified as troubled-debt restructurings. The valuation allowance for impaired commercial loans amounted to approximately $1.4 million and $4.1 million at December 31, 2013 and 2012, respectively. The total investment in impaired mortgage loans was $84.5 million and $74.8 million at December 31, 2013 and 2012, respectively. Impairment on mortgage loans assessed as troubled-debt restructurings was measured using the present value of cash flows. The valuation allowance for impaired mortgage loans amounted to approximately $8.7 million and $5.3 million at December 31, 2013 and 2012, respectively.

 

The Company’s recorded investment in commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, and the related allowance for loan and lease losses at December 31, 2013 and 2012 are as follows:

 

Originated and Other Loans and Leases Held for Investment

 

  

December 31, 2013

  

Unpaid

  

Recorded

  

Related

  

  

  

Principal

  

Investment

  

Allowance

  

Coverage

  

(In thousands)

Impaired loans with specific allowance:

  

  

  

  

  

  

  

  

  

  

        Commercial

$

 6,600 

  

$

 5,553 

  

$

 1,431 

  

26%

        Residential troubled-debt restructuring

  

 89,539 

  

  

 84,494 

  

  

 8,708 

  

10%

Impaired loans with no specific allowance:

  

  

  

  

  

  

  

  

  

  

        Commercial

  

 27,914 

  

  

 22,592 

  

  

N/A 

  

N/A

            Total investment in impaired loans

$

 124,053 

  

$

 112,639 

  

$

 10,139 

  

9%

  

  

  

  

  

  

  

  

  

  

  

 

  

December 31, 2012

  

Unpaid

  

Recorded

  

Related

  

  

  

Principal

  

Investment

  

Allowance

  

Coverage

  

(In thousands)

Impaired loans with specific allowance

  

  

  

  

  

  

  

  

  

  

        Commercial

$

 16,666 

  

$

 14,570 

  

$

 4,121 

  

28%

        Residential troubled-debt restructuring

  

 76,859 

  

  

 74,783 

  

  

 5,334 

  

7%

Impaired loans with no specific allowance

  

  

  

  

  

  

  

  

  

  

        Commercial

  

 36,293 

  

  

 31,629 

  

  

N/A 

  

N/A

            Total investment in impaired loans

$

 129,818 

  

$

 120,982 

  

$

 9,455 

  

8%

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Acquired Loans Accounted for under ASC-310-20 (Loans with revolving feature and/or acquired at a premium)

  

  

  

  

  

  

  

  

  

  

  

  

December 31, 2013

  

Unpaid

  

Recorded

  

Specific

  

  

  

Principal

  

Investment

  

Allowance

  

Coverage

  

(In thousands)

Impaired loans with no specific allowance

  

  

  

  

  

  

  

  

  

  

        Commercial

  

 208 

  

  

 208 

  

  

N/A 

  

N/A

            Total investment in impaired loans

$

 208 

  

$

 208 

  

$

 - 

  

0%

141

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

 

The Company’s recorded investment in non-covered acquired loan pools accounted for under ASC 310-30 and their related allowance for non-covered loan and lease losses at December 31, 2013 are as follows:

 

  

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

  

Unpaid

  

Recorded

  

  

  

  

  

Principal

  

Investment

  

Allowance

  

Coverage

  

(In thousands)

Impaired non-covered loan pools:

  

  

  

  

  

  

  

  

  

  

        Mortgage

$

 5,183 

  

$

 4,718 

  

$

 57 

  

1%

        Commercial  

  

 48,100 

  

  

 40,411 

  

  

 394 

  

1%

        Construction

  

 21,526 

  

  

 17,818 

  

  

 1,319 

  

7%

        Consumer

  

 73,043 

  

  

 63,606 

  

  

 361 

  

1%

        Auto

  

 379,236 

  

  

 377,316 

  

  

 732 

  

0%

            Total investment in impaired non-covered loan pools

$

 527,088 

  

$

 503,869 

  

$

 2,863 

  

1%

 

At December 31, 2013, $1.3 billion in acquired individual or pool of loans were also evaluated for impairment and did not require an allowance for loan losses.

 

The following table presents the interest recognized in commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

Interest Income Recognized

  

Average Recorded Investment

  

Interest Income Recognized

  

Average Recorded Investment

  

Interest Income Recognized

  

Average Recorded Investment

  

(In thousands)

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Impaired loans with specific allowance

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Commercial

$

 160 

  

$

 12,709 

  

$

 259 

  

$

 16,518 

  

$

 418 

  

$

 17,949 

        Residential troubled-debt restructuring

  

 2,266 

  

  

 82,028 

  

  

 1,566 

  

  

 64,444 

  

  

 1,146 

  

  

 42,699 

Impaired loans with no specific allowance

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Commercial

  

 1,139 

  

  

 26,188 

  

  

 949 

  

  

 24,956 

  

  

 611 

  

  

 16,480 

            Total interest income from impaired loans

$

 3,565 

  

$

 120,925 

  

$

 2,774 

  

$

 105,918 

  

$

 2,175 

  

$

 77,128 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

142

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Modifications

 

The following table presents the troubled-debt restructurings during the years ended December 31, 2013, 2012, and 2011:

 

  

Year Ended December 31, 2013

  

Number of contracts

  

Pre- Modification Outstanding Recorded Investment

  

Pre-Modification Weighted Average Rate

  

Pre-Modification Weighted Average Term (in Months)

  

Post-Modification Outstanding Recorded Investment

  

Post-Modification Weighted Average Rate

  

Post-Modification Weighted Average Term (in Months)

  

(Dollars in thousands) 

Mortgage

 145 

  

$ 

 20,143 

  

6.52%

  

340 

  

$ 

20,971 

  

4.34%

  

409 

Commercial

 2 

  

  

 1,842 

  

8.99%

  

87 

  

  

1,842 

  

4.00%

  

66 

Consumer

 2 

  

  

 15 

  

13.43%

  

 75 

  

  

 15 

  

12.67%

  

 67 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Year Ended December 31, 2012

  

Number of contracts

  

Pre- Modification Outstanding Recorded Investment

  

Pre-Modification Weighted Average Rate

  

Pre-Modification Weighted Average Term (in Months)

  

Post-Modification Outstanding Recorded Investment

  

Post-Modification Weighted Average Rate

  

Post-Modification Weighted Average Term (in Months)

  

(Dollars in thousands) 

Mortgage

 227 

  

$ 

 33,286 

  

6.41%

  

 315 

  

$ 

 35,568 

  

4.75%

  

 402 

Commercial

 2 

  

  

 3,456 

  

6.17%

  

 53 

  

  

 3,462 

  

6.26%

  

 56 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Year Ended December 31, 2011

  

Number of contracts

  

Pre- Modification Outstanding Recorded Investment

  

Pre-Modification Weighted Average Rate

  

Pre-Modification Weighted Average Term (in Months)

  

Post-Modification Outstanding Recorded Investment

  

Post-Modification Weighted Average Rate

  

Post-Modification Weighted Average Term (in Months)

  

(Dollars in thousands) 

Mortgage

 187 

  

$ 

 24,722 

  

6.74%

  

 319 

  

$ 

 26,620 

  

5.52%

  

 385 

Commercial

 17 

  

  

 15,642 

  

4.03%

  

 68 

  

  

 12,413 

  

3.59%

  

 75 

143

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following table presents troubled-debt restructurings for which there was a payment default during the years ended December 31, 2013, 2012, and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

Number of Contracts

  

Recorded Investment

  

Number of Contracts

  

Recorded Investment

  

Number of Contracts

  

Recorded Investment

  

(Dollars in thousands) 

Mortgage

 15 

  

$ 

 1,689 

  

 32 

  

$ 

 4,107 

  

 34 

  

$ 

 3,993 

Commercial

 - 

  

$ 

 - 

  

 1 

  

$ 

 477 

  

 6 

  

$ 

 9,224 

Consumer

 1 

  

$ 

 9 

  

 - 

  

$ 

 - 

  

 - 

  

$ 

 - 

 

Credit Quality Indicators

 

The Company categorizes non-covered originated and acquired loans accounted for under ASC 310-20 into risk categories based on relevant information about the ability of borrowers to service their debt, such as economic conditions, portfolio risk characteristics, prior loss experience, and the results of periodic credit reviews of individual loans.

 

The Company uses the following definitions for risk ratings:

 

Special Mention: Loans classified as “special mention” have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

 

Substandard: Loans classified as “substandard” are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful: Loans classified as “doubtful” have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, questionable and improbable.

 

Loss: Loans classified as “loss” are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be effected in the future.

 

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.

144

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

As of December 31, 2013 and 2012, and based on the most recent analysis performed, the risk category of gross non-covered originated and other loans and acquired loans accounted for under ASC 310-20 subject to risk rating by class of loans is as follows:

 

  

December 31, 2013

  

Risk Ratings

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Individually

  

Balance

  

  

  

  

Special 

  

  

  

  

  

  

  

Measured for 

  

Outstanding

  

Pass 

  

Mention 

  

Substandard 

  

Doubtful 

  

Impairment 

  

(In thousands) 

Commercial - originated and other loans held for investment

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  Commercial secured by real estate:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Corporate

$

 54,796 

  

$

 54,796 

  

$

 - 

  

$

 - 

  

$

 - 

  

$

 - 

    Institutional

  

 4,050 

  

  

 4,050 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

    Middle market

  

 161,583 

  

  

 133,061 

  

  

 16,627 

  

  

 118 

  

  

 - 

  

  

 11,777 

    Retail

  

 166,642 

  

  

 149,018 

  

  

 2,182 

  

  

 2,258 

  

  

 - 

  

  

 13,184 

    Floor plan

  

 1,835 

  

  

 1,835 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

    Real estate

  

 11,655 

  

  

 11,655 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 400,561 

  

  

 354,415 

  

  

 18,809 

  

  

 2,376 

  

  

 - 

  

  

 24,961 

  Other commercial and industrial:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Corporate

  

 32,598 

  

  

 32,598 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

    Institutional

  

 536,445 

  

  

 536,445 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

    Middle market

  

 58,897 

  

  

 53,868 

  

  

 3,466 

  

  

 198 

  

  

 - 

  

  

 1,365 

    Retail

  

 61,510 

  

  

 58,742 

  

  

 257 

  

  

 691 

  

  

 - 

  

  

 1,820 

    Floor plan

  

 37,646 

  

  

 37,350 

  

  

 188 

  

  

 108 

  

  

 - 

  

  

 - 

  

  

 727,096 

  

  

 719,003 

  

  

 3,911 

  

  

 997 

  

  

 - 

  

  

 3,185 

      Total

  

 1,127,657 

  

  

 1,073,418 

  

  

 22,720 

  

  

 3,373 

  

  

 - 

  

  

 28,146 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Commercial - acquired loans

      (under ASC 310-20)

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  Commercial secured by real estate:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Corporate

  

 10,166 

  

  

 10,166 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

    Retail

  

 5,770 

  

  

 4,378 

  

  

 443 

  

  

 949 

  

  

 - 

  

  

 - 

    Floor plan

  

 2,677 

  

  

 2,576 

  

  

 - 

  

  

 101 

  

  

 - 

  

  

 - 

  

  

 18,613 

  

  

 17,120 

  

  

 443 

  

  

 1,050 

  

  

 - 

  

  

 - 

  Other commercial and industrial:

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Corporate

  

 9,793 

  

  

 9,696 

  

  

 - 

  

  

 97 

  

  

 - 

  

  

 - 

    Retail

  

 27,338 

  

  

 26,044 

  

  

 150 

  

  

 1,144 

  

  

 - 

  

  

 - 

    Floor plan

  

 21,937 

  

  

 21,769 

  

  

 168 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 59,068 

  

  

 57,509 

  

  

 318 

  

  

 1,241 

  

  

 - 

  

  

 - 

      Total

  

 77,681 

  

  

 74,629 

  

  

 761 

  

  

 2,291 

  

  

 - 

  

  

 - 

         Total

$

 1,205,338 

  

$

 1,148,047 

  

$

 23,481 

  

$

 5,664 

  

$

 - 

  

$

 28,146 

145

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

December 31, 2012

  

Risk Ratings

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Individually

  

Balance

  

  

  

  

Special 

  

  

  

  

  

  

  

Measured for 

  

Outstanding

  

Pass 

  

Mention 

  

Substandard 

  

Doubtful 

  

Impairment 

  

(In thousands)

Commercial - originated and other loans held for investment

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Commercial secured

        by real estate

$

 251,274 

  

$

 183,033 

  

$

 23,928 

  

$

 2,127 

  

$

 99 

  

$

 42,087 

    Other commercial

        and industrial

  

 97,801 

  

  

 80,951 

  

  

 8,569 

  

  

 4,169 

  

  

 - 

  

  

 4,112 

  

  

 349,075 

  

  

 263,984 

  

  

 32,497 

  

  

 6,296 

  

  

 99 

  

  

 46,199 

Commercial - acquired loans

      (under ASC 310-20)

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Construction and commercial

        real estate

  

 20,779 

  

  

 20,143 

  

  

 245 

  

  

 391 

  

  

 - 

  

  

 - 

    Commercial and industrial

  

 329,463 

  

  

 326,916 

  

  

 213 

  

  

 2,334 

  

  

 - 

  

  

 - 

  

  

 350,242 

  

  

 347,059 

  

  

 458 

  

  

 2,725 

  

  

 - 

  

  

 - 

        Total

$

 699,317 

  

$

 611,043 

  

$

 32,955 

  

$

 9,021 

  

$

 99 

  

$

 46,199 

 

At December 31, 2013, we had approximately $763.4 million of credit facilities granted to the Puerto Rico government, including its instrumentalities, public corporations and municipalities, of which $696.0 million was outstanding as of such date. A substantial portion of our credit exposure to the government of Puerto Rico consists of collateralized loans or obligations that have a specific source of income or revenues identified for its repayment.  Some of these obligations consist of senior and subordinated loans to public corporations that obtain revenues from rates charged for services, such as water and electric power utilities. Public corporations have varying degrees of independence from the central government and many receive appropriations or other payments from it. We also have loans to various municipalities for which the good faith, credit and unlimited taxing power of the applicable municipality has been pledged to their repayment. These municipalities are required by law to levy special property taxes in such amounts as shall be required for the payment of all of its general obligation bonds and notes. Another portion of these loans consists of special obligations of various municipalities that are payable from the basic real and personal property taxes collected within such municipalities. The good faith and credit obligations of the municipalities have a first lien on the basic property taxes.

146

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

For residential and consumer loan classes, the Company evaluates credit quality based on the delinquency status of the loan. As of December 31, 2013 and 2012, and based on the most recent analysis performed, the risk category of non-covered gross originated and other loans and acquired loans accounted for under ASC 310-20 not subject to risk rating by class of loans is as follows:

 

  

December 31, 2013

  

Delinquency

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Individually 

  

Balance 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Measured for 

  

Outstanding 

  

0-29 days 

  

30-59 days 

  

60-89 days 

  

90-119 days 

  

120-364 days 

  

365+ days 

  

Impairment 

  

(In thousands) 

Originated and other loans and leases held for investment

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  Mortgage

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Traditional

        (by origination year)

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Up to the year 2002

$

 76,512 

  

$

 64,906 

  

$

 6,431 

  

$

 1,634 

  

$

 868 

  

$

 1,105 

  

$

 1,435 

  

$

 133 

        Years 2003 and 2004

  

 65,117 

  

  

 56,283 

  

  

 4,722 

  

  

 1,938 

  

  

 56 

  

  

 1,437 

  

  

 352 

  

  

 329 

        Year 2005

  

 89,541 

  

  

 74,016 

  

  

 8,414 

  

  

 2,119 

  

  

 1,198 

  

  

 3,037 

  

  

 573 

  

  

 184 

        Year 2006

  

 120,322 

  

  

 99,243 

  

  

 12,055 

  

  

 4,312 

  

  

 1,148 

  

  

 2,755 

  

  

 515 

  

  

 294 

        Years 2007, 2008

            and 2009

  

 101,150 

  

  

 91,920 

  

  

 3,464 

  

  

 1,104 

  

  

 1,264 

  

  

 2,844 

  

  

 554 

  

  

 - 

        Years 2010, 2011,

            2012 and 2013

  

 149,546 

  

  

 134,577 

  

  

 3,192 

  

  

 1,609 

  

  

 115 

  

  

 974 

  

  

 989 

  

  

 8,090 

  

  

 602,188 

  

  

 520,945 

  

  

 38,278 

  

  

 12,716 

  

  

 4,649 

  

  

 12,152 

  

  

 4,418 

  

  

 9,030 

    Non-traditional

  

 42,102 

  

  

 35,168 

  

  

 3,217 

  

  

 1,162 

  

  

 - 

  

  

 1,324 

  

  

 833 

  

  

 398 

    Loss mitigation program

  

 86,318 

  

  

 7,762 

  

  

 1,376 

  

  

 149 

  

  

 624 

  

  

 312 

  

  

 1,029 

  

  

 75,066 

  

  

 730,608 

  

  

 563,875 

  

  

 42,871 

  

  

 14,027 

  

  

 5,273 

  

  

 13,788 

  

  

 6,280 

  

  

 84,494 

    Home equity secured

        personal loans

  

 736 

  

  

 598 

  

  

 - 

  

  

 - 

 - 

  

 - 

  

  

 126 

  

  

 12 

  

  

 - 

    GNMA's buy-back

        option program

  

 34,921 

  

  

 - 

  

  

 - 

  

  

 - 

 - 

  

 7,670 

  

  

 14,991 

  

  

 12,260 

  

  

 - 

  

  

 766,265 

  

  

 564,473 

  

  

 42,871 

  

  

 14,027 

  

  

 12,943 

  

  

 28,905 

  

  

 18,552 

  

  

 84,494 

  Consumer

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Credit cards

  

 15,241 

  

  

 14,555 

  

  

 287 

  

  

 168 

  

  

 118 

  

  

 113 

  

  

 - 

  

  

 - 

    Overdrafts

  

 372 

  

  

 322 

  

  

 46 

  

  

 4 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

    Unsecured personal lines of credit

  

 1,981 

  

  

 1,844 

  

  

 33 

  

  

 38 

  

  

 25 

  

  

 34 

  

  

 7 

  

  

 - 

    Unsecured personal loans

  

 94,560 

  

  

 92,102 

  

  

 1,272 

  

  

 399 

  

  

 300 

  

  

 39 

  

  

 13 

  

  

 435 

    Cash collateral personal loans

  

 15,590 

  

  

 15,223 

  

  

 324 

  

  

 43 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 127,744 

  

  

 124,046 

  

  

 1,962 

  

  

 652 

  

  

 443 

  

  

 186 

  

  

 20 

  

  

 435 

  Auto and Leasing

  

 379,874 

  

  

 339,817 

  

  

 25,532 

  

  

 9,437 

  

  

 3,397 

  

  

 1,691 

  

  

 - 

  

  

 - 

  

  

 1,273,883 

  

  

 1,028,336 

  

  

 70,365 

  

  

 24,116 

  

  

 16,783 

  

  

 30,782 

  

  

 18,572 

  

  

 84,929 

Acquired loans (accounted for under ASC 310-20)

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  Consumer

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Credit cards

  

 52,199 

  

  

 46,713 

  

  

 2,217 

  

  

 1,200 

  

  

 828 

  

  

 1,241 

  

  

 - 

  

  

 - 

    Personal loans

  

 3,975 

  

  

 3,681 

  

  

 196 

  

  

 7 

  

  

 60 

  

  

 31 

  

  

 - 

  

  

 - 

  

  

 56,174 

  

  

 50,394 

  

  

 2,413 

  

  

 1,207 

  

  

 888 

  

  

 1,272 

  

  

 - 

  

  

 - 

  Auto

  

 301,584 

  

  

 283,825 

  

  

 12,534 

  

  

 3,616 

  

  

 1,095 

  

  

 514 

  

  

 - 

  

  

 - 

  

  

 357,758 

  

  

 334,219 

  

  

 14,947 

  

  

 4,823 

  

  

 1,983 

  

  

 1,786 

  

  

 - 

  

  

 - 

     Total

$

 1,631,641 

  

$

 1,362,555 

  

$

 85,312 

  

$

 28,939 

  

$

 18,766 

  

$

 32,568 

  

$

 18,572 

  

$

 84,929 

147

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

December 31, 2012

  

Delinquency

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Individually 

  

Balance 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Measured for 

  

Outstanding 

  

0-29 days 

  

30-59 days 

  

60-89 days 

  

90-119 days 

  

120-364 days 

  

365+ days 

  

Impairment 

  

(In thousands) 

Originated and other loans and leases held for investment

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Mortgage

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Traditional

        (by origination year):

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

        Up to the year 2002

$

 101,268 

  

$

 80,715 

  

$

 6,907 

  

$

 2,116 

  

$

 886 

  

$

 3,720 

  

$

 6,442 

  

$

 482 

        Years 2003 and 2004

  

 149,862 

  

  

 114,341 

  

  

 12,048 

  

  

 5,206 

  

  

 2,082 

  

  

 3,994 

  

  

 11,533 

  

  

 658 

        Year 2005

  

 80,901 

  

  

 65,245 

  

  

 4,983 

  

  

 1,746 

  

  

 1,203 

  

  

 1,846 

  

  

 5,727 

  

  

 151 

        Year 2006

  

 113,086 

  

  

 84,926 

  

  

 9,012 

  

  

 3,525 

  

  

 1,530 

  

  

 5,103 

  

  

 8,695 

  

  

 295 

        Years 2007, 2008

            and 2009

  

 121,637 

  

  

 108,358 

  

  

 2,632 

  

  

 1,682 

  

  

 641 

  

  

 2,529 

  

  

 5,732 

  

  

 63 

        Years 2010, 2011

            and 2012

  

 68,588 

  

  

 64,434 

  

  

 632 

  

  

 769 

  

  

 1,320 

  

  

 973 

  

  

 460 

  

  

 - 

  

  

 635,342 

  

  

 518,019 

  

  

 36,214 

  

  

 15,044 

  

  

 7,662 

  

  

 18,165 

  

  

 38,589 

  

  

 1,649 

    Non-traditional

  

 57,819 

  

  

 42,742 

  

  

 2,850 

  

  

 1,067 

  

  

 455 

  

  

 2,287 

  

  

 8,418 

  

  

 - 

    Loss mitigation program

  

 87,310 

  

  

 9,595 

  

  

 606 

  

  

 128 

  

  

 102 

  

  

 253 

  

  

 3,492 

  

  

 73,134 

  

  

 780,471 

  

  

 570,356 

  

  

 39,670 

  

  

 16,239 

  

  

 8,219 

  

  

 20,705 

  

  

 50,499 

  

  

 74,783 

    Home equity secured

        personal loans

  

 736 

  

  

 726 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 10 

  

  

 - 

    GNMA's buy back

        option program

  

 25,676 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 6,064 

  

  

 10,659 

  

  

 8,953 

  

  

 - 

  

  

 806,883 

  

  

 571,082 

  

  

 39,670 

  

  

 16,239 

  

  

 14,283 

  

  

 31,364 

  

  

 59,462 

  

  

 74,783 

Consumer

  

 46,667 

  

  

 45,419 

  

  

 747 

  

  

 92 

  

  

 188 

  

  

 218 

  

  

 3 

  

  

 - 

Auto and leasing

  

 37,577 

  

  

 37,066 

  

  

 251 

  

  

 129 

  

  

 46 

  

  

 85 

  

  

 - 

  

  

 - 

  

  

 891,127 

  

  

 653,567 

  

  

 40,668 

  

  

 16,460 

  

  

 14,517 

  

  

 31,667 

  

  

 59,465 

  

  

 74,783 

Acquired loans (under ASC 310-20)

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    Consumer

  

 70,347 

  

  

 68,270 

  

  

 982 

  

  

 - 

  

  

 1,089 

  

  

 4 

  

  

 2 

  

  

 - 

    Auto

  

 470,601 

  

  

 462,550 

  

  

 6,753 

  

  

 1,023 

  

  

 264 

  

  

 11 

  

  

 - 

  

  

 - 

  

  

 540,948 

  

  

 530,820 

  

  

 7,735 

  

  

 1,023 

  

  

 1,353 

  

  

 15 

  

  

 2 

  

  

 - 

  Total

$

 1,432,075 

  

$

 1,184,387 

  

$

 48,403 

  

$

 17,483 

  

$

 15,870 

  

$

 31,682 

  

$

 59,467 

  

$

 74,783 

 

The reduction in mortgage loans over 90 days past due from December 31, 2012 is mostly due to the reclassification of certain non-performing residential mortgage loans originated before 2010, with a net book value of $55.2 million, to the loan held-for-sale category during 2013, most of them were later sold in the same period.

148

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Covered Loans

 

For covered loans, as part of the evaluation of actual versus expected cash flows, the Company assesses on a quarterly basis the credit quality of these loans based on delinquency, severity factors and risk ratings, among other assumptions. Migration and credit quality trends are assessed at the pool level, by comparing information from the latest evaluation period through the end of the reporting period.

 

The changes in the allowance for loan and lease losses on covered loans for the years ended December 31, 2013, 2012, and 2011 were as follows:

 

  

Year Ended December 31,

  

2013

  

2012

  

2011

  

(In thousands)

Balance at beginning of the period

$

 54,124 

  

$

 37,256 

  

$

 49,286 

    Provision for covered loan and lease losses, net

  

 5,335 

  

  

 9,827 

  

  

 (1,387) 

    FDIC shared-loss portion of provision for (recapture of)

  

  

  

  

  

  

  

  

      covered loan and lease losses, net

  

 (6,730) 

  

  

 7,041 

  

  

 (10,643) 

Balance at end of the period

$

 52,729 

  

$

 54,124 

  

$

 37,256 

 

FDIC shared-loss portion of provision for (recapture of) covered loans and lease losses net, represents the credit impairment losses to be covered under the FDIC loss-share agreement which is increasing (decreasing) the FDIC loss-share indemnification asset.

 

Net provision for covered loans includes both additional reserves and reserve releases for different pools. The pools for which there were releases are also subject to a reduction to the FDIC shared-loss indemnification asset because of lower expected losses which are recognized as recaptures.

 

During 2011 and 2012, the pools were behaving in a relatively consistent manner; most requiring releases in 2011 and additional reserves in 2012. This resulted in a direct relationship between the provision for covered loan and lease losses and the FDIC shared-loss portion of the increases in the allowance for loan and lease losses on covered loans. The year 2013 experienced inconsistent pool-level behaviors which drove a net-provision position even when there were $14 million worth of individual pool-level-releases. The $14 million came as a result of lower expected losses, which in turn resulted in reductions to the FDIC shared-loss indemnification asset; hence the year's inverse relationship.

 

 

 

 

 

149

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The Company’s recorded investment in covered loan pools that have recorded impairments and their related allowance for covered loan and lease losses as of December 31, 2013 and 2012 are as follows:

 

  

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

  

Unpaid

  

Recorded

  

  

  

  

  

Principal

  

Investment

  

Allowance

  

Coverage

  

(In thousands)

Impaired covered loan pools:

  

  

  

  

  

  

  

  

  

  

        Loans secured by 1-4 family residential properties

$

 52,142 

  

$

 38,179 

  

$

 12,495 

  

33%

        Construction and development secured by 1-4 family

            residential properties

  

 66,037 

  

  

 17,304 

  

  

 6,866 

  

40%

        Commercial and other construction

  

 209,566 

  

  

 111,946 

  

  

 32,753 

  

29%

        Consumer

  

 10,512 

  

  

 5,857 

  

  

 615 

  

11%

            Total investment in impaired covered loan pools

$

 338,257 

  

$

 173,286 

  

$

 52,729 

  

30%

 

  

December 31, 2012

  

  

  

  

  

  

  

  

  

  

  

  

Unpaid

  

Recorded

  

Specific

  

  

  

Principal

  

Investment

  

Allowance

  

Coverage

  

(In thousands)

Impaired covered loan pools with specific allowance

  

  

  

  

  

  

  

  

  

  

        Loans secured by 1-4 family residential properties

$

 45,208 

  

$

 29,482 

  

$

 4,986 

  

17%

        Construction and development secured by 1-4 family

            residential properties

  

 68,255 

  

  

 15,185 

  

  

 6,137 

  

40%

        Commercial and other construction

  

 252,373 

  

  

 121,237 

  

  

 42,323 

  

35%

        Consumer

  

 14,494 

  

  

 8,493 

  

  

 678 

  

8%

            Total investment in impaired covered loan pools

$

 380,330 

  

$

 174,397 

  

$

 54,124 

  

31%

150

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 8 - SERVICING ASSETS  

 

The Company periodically sells or securitizes mortgage loans while retaining the obligation to perform the servicing of such loans. In addition, the Company may purchase or assume the right to service mortgage loans originated by others. Whenever the Company undertakes an obligation to service a loan, management assesses whether a servicing asset and/or liability should be recognized. A servicing asset is recognized whenever the compensation for servicing is expected to more than adequately compensate the Company for servicing the loans and leases. Likewise, a servicing liability would be recognized in the event that servicing fees to be received are not expected to adequately compensate the Company for its expected cost.

 

All separately recognized servicing assets are recognized at fair value using the fair value measurement method. Under the fair value measurement method, the Company measures servicing rights at fair value at each reporting date, reports changes in fair value of servicing assets in earnings in the period in which the changes occur, and includes these changes, if any, with mortgage banking activities in the consolidated statements of operations. The fair value of servicing rights is subject to fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

 

The fair value of servicing rights is estimated by using a cash flow valuation model which calculates the present value of estimated future net servicing cash flows, taking into consideration actual and expected loan prepayment rates, discount rates, servicing costs, and other economic factors, which are determined based on current market conditions.

 

At December 31, 2013, servicing assets are composed of $13.8 million ($10.7 million — December 31, 2012) related to residential mortgage loans and $22 thousand ($55 thousand — December 31, 2012) of leasing servicing assets acquired in the FDIC-assisted acquisition of Eurobank.

 

The following table presents the changes in servicing rights measured using the fair value method for the years ended December 31, 2013, 2012 and 2011:

 

  

  

Year Ended December 31,

  

  

2013 

  

2012 

  

2011 

  

  

(In thousands)

Fair value at beginning of year

$

 10,795 

  

$

 10,454 

  

$

 9,695 

    Servicing from mortgage securitizations or asset transfers

  

 3,177 

  

  

 1,867 

  

  

 2,458 

    Changes due to payments on loans

  

 (950) 

  

  

 (1,107) 

  

  

 (976) 

    Changes in fair value due to changes in valuation model

        inputs or assumptions

  

 779 

  

  

 (419) 

  

  

 (723) 

Fair value at end of year

$

 13,801 

  

$

 10,795 

  

$

 10,454 

 

The following table presents key economic assumption ranges used in measuring the mortgage-related servicing asset fair value for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

Constant prepayment rate

5.78% - 14.33%

  

8.51% - 16.29%

  

7.87% - 19.15%

Discount rate

10.00% - 12.00%

  

10.50% - 13.50%

  

10.50% - 14.00%

151

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following table presents key economic assumption ranges used in measuring the leasing-related servicing asset fair value for the years ended December 31, 2012 and 2011:

 

  

Year Ended December 31,

  

2012 

  

2011 

Discount rate

13.19% - 17.69%

  

13.22% - 17.38%

 

The sensitivity of the current fair value of servicing assets to immediate 10 percent and 20 percent adverse changes in the above key assumptions were as follows:

 

  

December 31, 2013

  

(In thousands)

Mortgage-related servicing asset

  

  

Carrying value of mortgage servicing asset

$

 13,801 

Constant prepayment rate

  

  

Decrease in fair value due to 10% adverse change

$

 (404) 

Decrease in fair value due to 20% adverse change

$

 (787) 

Discount rate

  

  

Decrease in fair value due to 10% adverse change

$

 (649) 

Decrease in fair value due to 20% adverse change

$

 (1,245) 

 

These sensitivities are hypothetical and should be used with caution. As the figures indicate, changes in fair value based on a 10 percent variation in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, in this table, the effect of a variation in a particular assumption on the fair value of the retained interest is calculated without changing any other assumption.

 

Changes in one factor may result in changes in another (for example, increases in market interest rates may result in lower prepayments), which may magnify or offset the sensitivities. Mortgage banking activities, a component of total banking and financial service revenue in the consolidated statements of operations, include the changes from period to period in the fair value of the mortgage loan servicing rights, which may result from changes in the valuation model inputs or assumptions (principally reflecting changes in discount rates and prepayment speed assumptions) and other changes, including changes due to collection/realization of expected cash flows.

 

Servicing fee income is based on a contractual percentage of the outstanding principal and is recorded as income when earned. Servicing fees on mortgage loans totaled $5.5 million in 2013, $3.6 million in 2012, and $3.1 million in 2011.  There were no late fees and ancillary fees recorded in such years because these fees belong to the third party engaged by the Company pursuant to a subservicing agreement. Servicing fees on leases amounted to $68 thousand in 2013, $239 thousand in 2012 and $625 thousand in 2011.

152

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 9 —  PREMISES AND EQUIPMENT  

 

Premises and equipment at December 31, 2013 and 2012 are stated at cost less accumulated depreciation and amortization as follows:

 

   

Useful Life

  

December 31,

  

(Years)

  

2013 

  

2012 

  

  

  

(In thousands)

Land

—

  

$

 5,680 

  

$

 2,876 

Buildings and improvements

40 

  

  

 63,594 

  

  

 63,133 

Leasehold improvements

5 — 10

  

  

 23,031 

  

  

 23,602 

Furniture and fixtures

3 — 7

  

  

 12,203 

  

  

 10,441 

Information technology and other

3 — 7

  

  

 24,876 

  

  

 20,874 

  

  

  

  

 129,384 

  

  

 120,926 

Less: accumulated depreciation and amortization

  

  

  

 (46,481) 

  

  

 (35,929) 

  

  

  

$

 82,903 

  

$

 84,997 

 

Depreciation and amortization of premises and equipment totaled $10.3 million in 2013, $4.8 million in 2012 and $5.5 million in 2011. These are included in the consolidated statements of operations as part of occupancy and equipment expenses.

 

NOTE 10- FDIC LOSS SHARE ASSET AND TRUE-UP PAYMENT OBLIGATION

 

As part of the Purchase and Assumption Agreement between the Bank and the FDIC (the “Purchase and Assumption Agreement”), the Bank and the FDIC entered into shared-loss agreements whereby the FDIC in connection with the Eurobank acquisition, covers a substantial portion of any losses on loans (and related unfunded loan commitments), foreclosed real estate and other repossessed properties.

 

The acquired loans, foreclosed real estate, and other repossessed properties subject to the shared-loss agreements are collectively referred to as “covered assets.” Under the terms of the shared-loss agreements, the FDIC absorbs 80% of losses and shares in 80% of loss recoveries on covered assets. The term of the shared-loss agreement covering single family residential mortgage loans is ten years with respect to losses and loss recoveries, while the term of the shared-loss agreement covering commercial loans is five years with respect to losses and eight years with respect to loss recoveries, from the April 30, 2010 acquisition date. The shared-loss agreements also provide for certain costs directly related to the collection and preservation of covered assets to be reimbursed at an 80% level. The indemnification asset represents the portion of estimated losses covered by the shared-loss agreements between the Bank and the FDIC.

 

153

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The following table presents the activity in the FDIC loss share asset and true-up payment obligation for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

FDIC loss share asset:

  

  

  

  

  

  

  

  

Balance at beginning of year

$

 302,295 

  

$

 405,646 

  

$

 485,510 

    Shared-loss agreements reimbursements from the FDIC

  

 (47,100) 

  

  

 (96,664) 

  

  

 (75,474) 

    Increase (decrease) in expected credit losses to be

      covered under shared-loss agreements, net

  

 (6,730) 

  

  

 7,041 

  

  

 (10,643) 

    FDIC shared-loss expense

  

 (66,253) 

  

  

 (25,805) 

  

  

 (1,981) 

    Incurred expenses to be reimbursed under shared-loss agreements

  

 7,028 

  

  

 12,077 

  

  

 8,234 

Balance at end of year

$

 189,240 

  

$

 302,295 

  

$

 405,646 

  

  

  

  

  

  

  

  

  

True-up payment obligation:

  

  

  

  

  

  

  

  

Balance at beginning of year

$

 15,496 

  

$

 13,279 

  

$

 11,881 

    FDIC shared-loss expense

  

 3,014 

  

  

 2,217 

  

  

 1,398 

Balance at end of year

$

 18,510 

  

$

 15,496 

  

$

 13,279 

 

The FDIC shared-loss expense increased as the Company continues to forecast better performance and cash flows from covered loans than previously expected resulting in a minor increase in the amortization of the FDIC shared-loss indemnification asset.

 

The FDIC shared-loss expense of $66.3 million for the year ended December 31, 2013 compared to $25.8 million for the same period in 2012, resulted from the ongoing evaluation of expected cash flows of the covered loan portfolio, which resulted in reduced projected losses expected to be collected from the FDIC and the improved accretable yield on the covered loans. Forecasted losses show a decreasing trend during the year ended December 31, 2013 as compared to the projections in 2012.The reduction in claimable losses amortizes the shared-loss indemnification asset through  the shorter of the life of the shared loss agreement or the loan holding period. This amortization is net of the accretion of the discount recorded to reflect the expected claimable loss at its net present value. During the year ended December 31, 2013, the net amortization included $16.6 million of additional amortization of the FDIC indemnification asset from stepped up cost recoveries on certain construction and leasing loan pools. Additional amortization of the FDIC indemnification asset may be recorded, should the Company continues to experience reduced expected losses. The majority of the FDIC indemnification asset is recorded for projected claimable losses on non-single family loans whose loss share period ends by the second quarter of 2015, although the recovery share period extends for an additional three year period.

 

The Bank agreed to make a true-up payment, also known as clawback liability or clawback provision, to the FDIC on the date that is 45 days following the last day (such day, the “True-Up Measurement Date”) of the final shared-loss month, or upon the final disposition of all covered assets under the shared-loss agreements in the event losses thereunder fail to reach expected levels. Under the shared-loss agreements, the Bank will pay to the FDIC 50% of the excess, if any, of: (i) 20% of the Intrinsic Loss Estimate of $906.0 million (or $181.2 million) (as determined by the FDIC) less (ii) the sum of: (A) 25% of the asset discount (per bid) (or $227.5 million); plus (B) 25% of the cumulative shared-loss payments (defined as the aggregate of all of the payments made or payable to the Bank minus the aggregate of all of the payments made or payable to the FDIC); plus (C) the sum of the period servicing amounts for every consecutive twelve-month period prior to and ending on the True-Up Measurement Date in respect of each of the shared-loss agreements during which the shared-loss provisions of the applicable shared-loss agreement is in effect (defined as the product of the simple average of the principal amount of shared-loss loans and shared-loss assets at the beginning and end of such period times 1%). The true-up payment represents an estimated liability of $18.5 million and $15.5 million, net of discount, as of December 31, 2013 and 2012, respectively. The estimated liability is accounted for as other liabilities.

154

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 11 —  DERIVATIVE ACTIVITIES  

 

During the year ended December 31, 2013, losses of $220 thousand were recognized and reflected as “Derivative Activities” in the consolidated statements of operations, which were mainly related to the options tied to the Standard & Poor’s 500 stock market index. During the year ended December 31, 2012, losses of $43.0 million were recognized and  were mainly related  to realized losses of $37.5 million due to the terminations of forward-settlement swaps with an aggregate notional amount of $900 million and to realized losses of $3.5 million recorded on options purchased in July 2012 to enter into interest rate swaps, not designated as cash flow hedges or fair value hedges, with an aggregate notional amount of $200 million, which were terminated in December 2012.

  

The following table details “Derivative Assets” and “Derivative Liabilities” as reflected in the consolidated statements of financial condition at December 31, 2013 and 2012:

 

   

December 31,

  

2013 

  

2012 

  

(In thousands)

Derivative assets:

  

  

  

  

  

   Options tied to S&P 500 Index

$

 16,430 

  

$

 13,233 

   Interest rate swaps designated as cash flow hedges

  

 850 

  

  

 - 

    Interest rate swaps not designated as hedges

  

 2,861 

  

  

 8,426 

    Interest rate caps

  

 319 

  

  

 230 

    Other

  

 42 

  

  

 - 

  

$

 20,502 

  

$

 21,889 

  

  

  

  

  

  

Derivative liabilities:

  

  

  

  

  

    Interest rate swaps designated as cash flow hedges

  

 11,757 

  

  

 17,665 

    Interest rate swaps not designated as hedges

  

 2,861 

  

  

 8,365 

    Interest rate caps

  

 319 

  

  

 230 

  

$

 14,937 

  

$

 26,260 

  

  

  

  

  

  

 

Interest Rate Swaps

 

The Company enters into interest rate swap contracts to hedge the variability of future interest cash flows of forecasted wholesale borrowings, attributable to changes in a predetermined variable index rate. The interest rate swaps effectively fix the Company’s interest payments on an amount of forecasted interest expense attributable to the variable index rate corresponding to the swap notional stated rate. These swaps are designated as cash flow hedges for the forecasted wholesale borrowing transactions and are properly documented as such, and therefore, qualify for cash flow hedge accounting. Any gain or loss associated with the effective portion of our cash flow hedges was recognized in other comprehensive income and is subsequently reclassified into earnings in the period during which the hedged forecasted transactions affect earnings.  Changes in the fair value of these derivatives are recorded in accumulated other comprehensive income to the extent there is no significant ineffectiveness in the cash flow hedging relationships. Currently, the Company does not expect to reclassify any amount included in other comprehensive income related to these interest rate swaps to earnings in the next twelve months.

155

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following table shows a summary of these swaps and their terms at December 31, 2013:

 

  

  

Notional

  

Fixed

  

Variable

  

Trade

  

Settlement

  

Maturity

Type

  

Amount

  

Rate

  

Rate Index

  

Date

  

Date

  

Date

  

  

 (In thousands)

  

  

  

  

  

  

  

  

  

  

Interest Rate Swaps

  

$

 25,000 

  

2.4365%

  

1-Month LIBOR

  

05/05/11

  

05/04/12

  

05/04/16

  

  

  

 25,000 

  

2.6200%

  

1-Month LIBOR

  

05/05/11

  

07/24/12

  

07/24/16

  

  

  

 25,000 

  

2.6350%

  

1-Month LIBOR

  

05/05/11

  

07/30/12

  

07/30/16

  

  

  

 50,000 

  

2.6590%

  

1-Month LIBOR

  

05/05/11

  

08/10/12

  

08/10/16

  

  

  

 100,000 

  

2.6750%

  

1-Month LIBOR

  

05/05/11

  

08/16/12

  

08/16/16

  

  

  

 40,589 

  

2.4210%

  

1-Month LIBOR

  

07/03/13

  

07/03/13

  

08/01/23

  

  

$

 265,589 

  

  

  

  

  

  

  

  

  

  

 

An unrealized loss of $10.9 million was recognized in accumulated other comprehensive income related to the valuation of these swaps at December 31, 2013, and the related liability is being reflected in the accompanying consolidated statements of financial condition. 

 

At December 31, 2013 and 2012, interest rate swaps not designated as hedging instruments that were offered to clients represented an asset of $2.9  million and $8.4 million, respectively, and were included as part of derivative assets in the consolidated statements of financial position. The credit risk to these clients stemming from these derivatives, if any, is not material. At December 31, 2013 and 2012, interest rate swaps not designated as hedging instruments that are the mirror-images of the derivatives offered to clients represented a liability of $2.9 million and $8.4 million, respectively, and were included as part of derivative liabilities in the consolidated statements of financial condition. 

 

 The following table shows a summary of these interest rate swaps not designated as hedging instruments and their terms at December 31, 2013:

 

  

  

Notional

  

Fixed

  

Variable

  

Settlement

  

Maturity

Type

  

Amount

  

Rate

  

Rate Index

  

Date

  

Date

  

  

 (In thousands)

  

  

  

  

  

  

  

  

Interest Rate Swaps - Derivatives Offered to Clients

  

$

 4,140 

  

5.1300%

  

1-Month LIBOR

  

07/03/06

  

07/03/16

  

  

  

 12,500 

  

5.5050%

  

1-Month LIBOR

  

04/11/09

  

04/11/19

  

  

$

 16,640 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Interest Rate Swaps - Mirror Image Derivatives

  

$

 4,140 

  

5.1300%

  

1-Month LIBOR

  

07/03/06

  

07/03/16

  

  

  

 12,500 

  

5.5050%

  

1-Month LIBOR

  

04/11/09

  

04/11/19

  

  

$

 16,640 

  

  

  

  

  

  

  

  

156

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Options Tied to Standard & Poor’s 500 Stock Market Index  

 

The Company has offered its customers certificates of deposit with an option tied to the performance of the S&P 500 Index.  The Company uses option agreements with major broker-dealers to manage its exposure to changes in this index. Under the terms of the option agreements, the Company receives the average increase in the month-end value of the index in exchange for a fixed premium. The changes in fair value of the option agreements used to manage the exposure in the stock market in the certificates of deposit are recorded in earnings. At December 31, 2013 and 2012, the purchased options used to manage exposure to the S&P 500 Index on stock indexed deposits represented an asset of $16.4 million (notional amount of $28.0 million) and $13.2 million (notional amount of $66.6 million), respectively, and the options sold to customers embedded in the certificates of deposit and recorded as deposits in the consolidated statements of financial condition, represented a liability of $15.7 million (notional amount of $26.9 million) and $12.7 million (notional amount of $62.3 million), respectively.

 

At December 31, 2013, the yearly contractual maturities of options tied to the S&P Index were as follows:

 

  

Derivative asset

  

Derivative liability

  

(S&P purchased

  

(S&P embedded

Year Ending December 31,

options)

  

options)

  

(In thousands)

  

(In thousands)

2014 

$

 17,340 

$

  

 16,369 

2015 

  

 7,330 

  

  

 7,359 

2016 

  

 3,375 

  

  

 3,186 

  

$

 28,045 

  

$

 26,914 

 

 

Interest rate caps

 

The Company has entered into interest rate cap transactions with various clients with floating-rate debt who wish to protect their financial results against increases in interest rates. In these cases, the Company simultaneously enters into mirror-image interest rate cap transactions with financial counterparties. None of these cap transactions qualify for hedge accounting; therefore, they are marked to market through earnings. The outstanding total notional amount of interest rate caps was $94.0 million at both December 31, 2013 and 2012. At December 31, 2013 and 2012, the interest rate caps sold to clients represented a liability of $319 thousand and $230 thousand, respectively, and were included as part of derivative liabilities in the consolidated statements of financial condition.  At December 31, 2013 and 2012,  the interest rate caps purchased as mirror-images represented an asset of $319 thousand and $230 thousand, respectively, and were included as part of derivative assets in the consolidated statements of financial condition.

157

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 12 — ACCRUED INTEREST RECEIVABLE AND OTHER ASSETS

 

Accrued interest receivable at December 31, 2013 and 2012 consists of the following:

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Non-covered loans

$

 13,378 

  

$

 7,633 

Investments

  

 5,356 

  

  

 7,021 

  

$

 18,734 

  

$

 14,654 

 

Other assets at December 31, 2013 and 2012 consist of the following:

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Other prepaid expenses

$

 15,439 

  

$

 19,597 

Prepaid FDIC insurance

  

 - 

  

  

 6,451 

Core deposit and customer relationship intangibles

  

 11,912 

  

  

 14,490 

Other repossessed assets

  

 12,583 

  

  

 6,084 

Mortgage tax credits

  

 8,706 

  

  

 8,706 

Investment in Statutory Trust

  

 1,083 

  

  

 1,086 

Servicing advances

  

 - 

  

  

 7,976 

Accounts receivable and other assets

  

 48,717 

  

  

 59,251 

  

$

 98,440 

  

$

 123,641 

 

Other prepaid expenses amounting to $16.4 million and $19.6 million at December 31, 2013 and 2012, respectively, include prepaid municipal, property and income taxes aggregating to $9.6 million and $12.0 million, respectively.

 

On November 12, 2009, the FDIC adopted a final rule requiring insured depository institutions to prepay on December 31, 2009 their estimated quarterly risk-based assessments for the fourth quarter of 2009, and for all of 2010, 2011, and 2012, along with each institution’s risk-based deposit insurance assessment for the third quarter of 2009. The prepayment balance of the assessment amounted to $6.5 million at December 31, 2012. Pursuant to guidelines issued by the FDIC, the assessment due for the first quarter of 2013 paid on June 28, 2013 was offset by the amount of the credit for prepaid assessments.

 

158

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

As part of the FDIC-assisted acquisition of Eurobank and the recent BBVAPR Acquisition, the Company recorded a core deposit intangible representing the value of checking and savings deposits acquired. At December 31, 2013 and 2012, this core deposit intangible amounted to $7.8 million and $9.5 million, respectively. In addition, as part of the BBVAPR Acquisition on December 18, 2012, the Company recorded a customer relationship intangible amounting to $5.0 million representing the value of customer relationships acquired in the broker-dealer and insurance subsidiaries as of December 31, 2012.  At December 31, 2013, this customer relationship intangible amounted to $4.1 million.

 

Other repossessed assets totaled  $12.6 million and $6.1 million at December 31, 2013 and 2012, respectively, include repossessed automobiles amounting  to $12.3 million and $5.9 million, respectively, a new loan segment from the BBVAPR Acquisition.

 

At December 31, 2013 and 2012, tax credits for the Company amounted $8.7 million. Mortgage loan tax credits acquired as part of the BBVAPR Acquisition amounted to $6.3 million and $7.4 million at December 31, 2013 and 2012, respectively. These tax credits do not have an expiration date.

 

Servicing advances amounting to $8.0 million at December 31, 2012, represent the advances made to Bayview Loan Servicing, LLC in order to service some of the loans acquired in the FDIC-assisted acquisition of Eurobank. This servicing agreement was terminated effective May 31, 2013.

 

NOTE 13 —  DEPOSITS AND RELATED INTEREST  

 

Total deposits as of December 31, 2013 and 2012 consist of the following:

 

  

December 31,

  

2013

  

2012

  

(In thousands)

Non-interest bearing demand deposits

$

 550,334 

  

$

 800,091 

Interest-bearing savings and demand deposits

  

 2,683,964 

  

  

 2,281,893 

Individual retirement accounts

  

 347,262 

  

  

 377,618 

Retail certificates of deposit

  

 598,367 

  

  

 699,983 

Institutional certificates of deposit

  

 375,224 

  

  

 602,828 

       Total core deposits

  

 4,555,151 

  

  

 4,762,413 

Brokered deposits

  

 828,114 

  

  

 928,166 

       Total deposits

$

 5,383,265 

  

$

 5,690,579 

 

Brokered deposits include $729.8 million in certificates of deposits and $98.3 million in money market accounts at December 31, 2013, and $928.2 million in certificates of deposits at December 31, 2012.

 

The weighted average interest rate of the Company’s deposits was 0.73% at December 31, 2013 and 1.24% at December 31, 2012, inclusive of non-interest bearing deposits of $550.2 million and $800.1 million, respectively.  Interest expense for the years ended December 31, 2013, 2012 and 2011 was as follows:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

Demand and savings deposits

$

 22,498 

  

$

 11,232 

  

$

 16,287 

Certificates of deposit

  

 18,479 

  

  

 18,417 

  

  

 29,210 

  

$

 40,977 

  

$

 29,649 

  

$

 45,497 

159

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

At December 31, 2013 and 2012, demand and interest-bearing deposits and certificates of deposit included deposits of Puerto Rico Cash & Money Market Fund, Inc., which amounted to $93.1 million and $101.5 million, respectively, with a weighted average rate of 0.77% in both years, and were collateralized with investment securities with a fair value of $67.5 million and $80.3 million, respectively.

 

At December 31, 2013 and 2012, time deposits in denominations of $100 thousand or higher, excluding accrued interest and unamortized discounts, amounted to $845.8 million and $1.87 billion, including public fund time deposits from various Puerto Rico government municipalities, agencies, and corporations of $26.7 million and $78.3 million, respectively, at a weighted average rate of 0.32% at December 31, 2013 and 0.72% at December 31, 2012.

 

At December 31, 2013 and 2012, public fund deposits from various Puerto Rico government agencies were collateralized with investment securities with a fair value of $97.8 million and $114.6 million, respectively, and with commercial loans amounting to $549.0 million at December 31, 2013 and $485.8 million at December 31, 2012.

 

Excluding equity indexed options in the amount of $14.8 million, which are used by the Company to manage its exposure to the S&P 500 Index, and also excluding accrued interests of $2.7 million and unamortized deposit discount in the amount of $5.0 million, the scheduled maturities of certificates of deposit at December 31, 2013 are as follows:

 

  

December 31, 2013

  

(In thousands)

Within one year:

  

  

    Three (3) months or less

$

 512,483 

    Over 3 months through 1 year

  

 629,676 

  

  

 1,142,159 

Over 1 through 2 years

  

 433,740 

Over 2 through 3 years

  

 255,629 

Over 3 through 4 years

  

 140,318 

Over 4 through 5 years

  

 56,432 

  

$

 2,028,278 

 

The aggregate amount of overdraft in demand deposit accounts that were reclassified to loans amounted to $1.8 million and $2.8 million as of December 31, 2013 and 2012, respectively.

 

NOTE 14 —  BORROWINGS  

 

Short term borrowings

 

At December 31, 2013, no short term borrowings were outstanding, compared to December 31, 2012 when such borrowings totaled $92.2 million and mainly consisted of unsecured fixed rate borrowings with a weighted average rate of 0.30%.

 

Securities Sold under Agreements to Repurchase

 

At December 31, 2013, securities underlying agreements to repurchase were delivered to, and are being held by, the counterparties with whom the repurchase agreements were transacted. The counterparties have agreed to resell to the Company the same or similar securities at the maturity of the agreements.

160

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

At December 31, 2013 and December 31, 2012, securities sold under agreements to repurchase (classified by counterparty), excluding accrued interest in the amount of $2.6 million and $2.3 million, respectively, were as follows:

  

  

December 31,

  

2013 

  

2012 

  

  

  

  

Fair Value of

  

  

  

  

Fair Value of

  

Borrowing

  

Underlying

  

Borrowing

  

Underlying

  

Balance

  

Collateral

  

Balance

  

Collateral

  

(In thousands)

UBS Financial Services Inc.

$

 - 

  

$

 - 

  

$

 500,000 

  

$

 616,751 

JP Morgan Chase Bank NA

  

 255,000 

  

  

 273,250 

  

  

 412,837 

  

  

 443,436 

Credit Suisse Securities (USA) LLC

  

 755,000 

  

  

 864,232 

  

  

 255,000 

  

  

 269,943 

Deutsche Bank

  

 255,000 

  

  

 272,053 

  

  

 255,000 

  

  

 273,288 

Citigroup Global Markets Inc.

  

 - 

  

  

 - 

  

  

 150,000 

  

  

 162,652 

Barclays Bank

  

 - 

  

  

 - 

  

  

 68,650 

  

  

 77,521 

Wells Fargo

  

 - 

  

  

 - 

  

  

 51,444 

  

  

 54,943 

      Total

$

 1,265,000 

  

$

 1,409,535 

  

$

 1,692,931 

  

$

 1,898,534 

 

The following table shows a summary of the Company’s repurchase agreements and their terms, excluding accrued interest in the amount of $2.6 million, at December 31, 2013: 

 

  

  

  

  

  

Weighted-

  

  

  

  

  

  

 Borrowing  

  

Average

  

  

  

Maturity

Year of Maturity

  

Balance

  

Coupon

  

Settlement Date

  

Date

  

  

(In thousands)

  

  

  

  

  

  

2014 

  

$

 255,000 

  

0.500%

  

12/13/2012

  

1/7/2014

  

  

  

 85,000 

  

0.675%

  

12/3/2012

  

12/3/2014

  

  

  

 340,000 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

2015 

  

  

 255,000 

  

0.840%

  

12/10/2012

  

6/13/2015

  

  

  

  

  

  

  

  

  

  

  

  

  

 255,000 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

2016 

  

  

 170,000 

  

1.500%

  

12/6/2012

  

12/8/2016

  

  

  

  

  

  

  

  

  

  

  

  

  

 170,000 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

2017 

  

  

 500,000 

  

4.78%

  

3/2/2007

  

3/2/2017

  

  

$

 1,265,000 

  

2.41%

  

  

  

  

 

The repurchase agreement referred to above within maturity date up to the date of this report was partially rolled over by $202.5 million.

 

During the year ended December 31, 2012, the Company sold $1.0 billion of investment securities and paid down or extinguished $1.36 billion of securities repurchase agreements prior to their contractual maturities in furtherance of the Company’s plan to deleverage its balance sheet in connection with the BBVAPR Acquisition. The early termination fees paid by the Company is presented in the consolidated statement of operations as a net loss on the early extinguishment of repurchase agreements, and such fees amounted to $26.1 million for the year ended December 31, 2012. 

 

161

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

In December 2012, the counterparty to the repurchase agreement that amounted to $1.25 billion exercised its right to put back such repurchase agreement at par. As a result of this event, the Company entered into new repurchase agreements for a total amount of $1.19 billion with different counterparties at different rates.

 

The $255.0 million repurchase agreement maturing on June 13, 2015 and the $170.0 million repurchase agreement maturing on December 8, 2016 were modified during the third quarter of 2013. These were originally set to mature on June 13, 2014 and December 8, 2014, respectively.

 

The Company’s remaining structured repurchase agreement from the $2.65 billion it had before the deleverage plan in the amount of $500 million with an original term of ten years, maturing on March 2, 2017, was modified in December 2013 to (i) eliminate the optional early termination clause that allowed the counterparty to terminate it before maturity, (ii) increase the interest rate paid by the Company from 4.67% to 4.78%; and (iii) substitute the counterparty.  

 

The following table presents the liability associated with the repurchase transactions (excluding accrued interest), their maturities and weighted average interest rates. Also, it includes the carrying value and approximate market value of collateral (excluding accrued interest) at December 31, 2013 and 2012. The information excludes repurchase agreements transactions which were collateralized with securities or cash or which have been obtained under agreements to resell:

 

  

December 31, 2013

  

  

  

  

  

  

  

Market Value of Underlying Collateral

  

  

  

  

  

  

  

  

  

  

  

CMOs

  

Obligations

  

  

  

  

  

  

Weighted

  

FNMA and

  

  

  

  

issued by US

  

 of US

  

  

  

  

Repurchase

  

Average

FHLMC

  

GNMA

  

Government

  

Government

  

  

  

Liability

  

Rate

  

Certificates

  

Certificates

  

Sponsored Agencies

  

Sponsored Agencies

  

Total

  

(In thousands)

Within 30 days

$

 255,000 

  

  

0.50%

  

$

 216,201 

  

$

 - 

  

$

 48,923 

  

$

 6,929 

  

$

 272,053 

Over 90 days

  

 1,010,000 

  

  

2.89%

  

  

 1,018,632 

  

  

 3,000 

  

  

 45,100 

  

  

 3,720 

  

  

 1,070,452 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

      Total

$

 1,265,000 

  

  

2.41%

  

$

 1,234,833 

  

$

 3,000 

  

$

 94,023 

  

$

 10,649 

  

$

 1,342,505 

 

  

December 31, 2012

  

  

  

  

  

  

  

Market Value of Underlying Collateral

  

  

  

  

  

  

  

  

  

  

  

CMOs

  

Obligations

  

  

  

  

  

  

Weighted

  

FNMA and

  

  

  

  

issued by US

  

 of US

  

  

  

  

Repurchase

  

Average

FHLMC

  

GNMA

  

Government

  

Government

  

  

  

Liability

  

Rate

  

Certificates

  

Certificates

  

Sponsored Agencies

  

Sponsored Agencies

  

Total

  

(In thousands)

Within 30 days

$

 140,662 

  

  

0.56%

  

$

 53,173 

  

$

 1,052 

  

$

 78,238 

  

$

 21,847 

  

$

 154,310 

30 to 90 days

  

 287,269 

  

  

0.51%

  

  

 156,981 

  

  

 1,444 

  

  

 150,343 

  

  

 - 

  

  

 308,768 

Over 90 days

  

 1,265,000 

  

  

2.92%

  

  

 1,429,605 

  

  

 5,851 

  

  

 - 

  

  

 - 

  

  

 1,435,456 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

      Total

$

 1,692,931 

  

  

2.31%

  

$

 1,639,759 

  

$

 8,347 

  

$

 228,581 

  

$

 21,847 

  

$

 1,898,534 

162

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following summarizes significant data on securities sold under agreements to repurchase as of December 31, 2013 and 2012, excluding accrued interest:

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Average daily aggregate balance outstanding

$

 1,353,011 

  

$

 2,888,558 

Maximum outstanding balance at any month-end

$

 1,552,269 

  

$

 3,060,578 

Weighted average interest rate during the year

  

2.16%

  

  

2.10%

Weighted average interest rate at year end

  

2.41%

  

  

1.77%

 

Advances from the Federal Home Loan Bank of New York

 

Advances are received from the FHLB-NY under an agreement whereby the Company is required to maintain a minimum amount of qualifying collateral with a fair value of at least 110% of the outstanding advances. At December 31, 2013 and 2012, these advances were secured by mortgage and commercial loans amounting to $1.3 billion at both dates. Also, at December 31, 2013, the Company had an additional borrowing capacity with the FHLB –NY of $674.2 million. At December 31, 2013 and 2012, the weighted average remaining maturity of FHLB’s advances was 11.3 months and 3.5 months, respectively. The original terms of these advances range between one month and seven years, and the FHLB-NY does not have the right to exercise put options at par on any advances outstanding as of December 31, 2013.The following table shows a summary of these advances and their terms, excluding accrued interest in the amount of $335 thousand, at December 31, 2013: 

 

  

  

  

  

  

Weighted-

  

  

  

  

  

  

  

 Borrowing  

  

Average

  

  

  

Maturity

   Year of Maturity

  

  

Balance

  

Coupon

  

Settlement Date

  

Date

(In thousands)

2014 

  

$

 25,000 

  

0.37%

  

12/4/2013

  

1/6/2014

  

  

  

 50,000 

  

0.37%

  

12/10/2013

  

1/10/2014

  

  

  

 100,000 

  

0.39%

  

12/16/2013

  

1/16/2014

  

  

  

 25,000 

  

0.38%

  

12/24/2013

  

1/24/2014

  

  

  

 25,000 

  

0.40%

  

12/30/2013

  

1/30/2014

  

  

  

 40,589 

  

0.36%

  

12/2/2013

  

1/2/2014

  

  

  

 265,589 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

2017 

  

  

 4,730 

  

1.24%

  

4/3/2012

  

4/3/2017

  

  

  

  

  

  

  

  

  

  

2018 

  

  

 30,000 

  

2.19%

  

1/16/2013

  

1/16/2018

  

  

  

 25,000 

  

2.18%

  

1/16/2013

  

1/16/2018

  

  

  

 55,000 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

2020 

  

  

 10,489 

  

2.59%

  

7/19/2013

  

7/20/2020

  

  

$

 335,808 

  

0.76%

  

  

  

  

 

All of the advances referred to above with maturity dates up to the date of this report were renewed as one-month short-term advances.

 

163

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

FDIC-Guaranteed Term Notes —  Temporary Liquidity Guarantee Program  

 

On March 16, 2012, the Company’s banking subsidiary repaid at maturity the $105 million in senior unsecured notes that it issued in March 2009 under the FDIC’s Temporary Liquidity Guarantee Program.

 

Subordinated Capital Notes

 

Subordinated capital notes amounted to $100.0 million at December 31, 2013 and $146.0 million at December 31, 2012.

 

In August 2003, the Statutory Trust II, a special purpose entity of the Company, was formed for the purpose of issuing trust redeemable preferred securities. In September 2003, $35.0 million of trust redeemable preferred securities were issued by the Statutory Trust II as part of a pooled underwriting transaction.

 

The proceeds from this issuance were used by the Statutory Trust II to purchase a like amount of a floating rate junior subordinated deferrable interest debenture issued by the Company. The subordinated deferrable interest debenture has a par value of $36.1 million, bears interest based on 3-month LIBOR plus 295 basis points  (3.19% at December 31, 2013; 3.26% at December 31, 2012), is payable quarterly, and matures on September 17, 2033. It may be called at par after five years and quarterly thereafter (next call date March 2014). The trust redeemable preferred securities have the same maturity and call provisions as the subordinated deferrable interest debenture. The subordinated deferrable interest debenture issued by the Company is accounted for as a liability denominated as a subordinated capital note on the consolidated statements of financial condition.

 

The subordinated capital note is treated as Tier 1 capital for regulatory purposes. Under Federal Reserve Board rules, restricted core capital elements, which are qualifying trust preferred securities, qualifying cumulative perpetual preferred stock (and related surplus) and certain minority interests in consolidated subsidiaries, are limited in the aggregate to no more than 25% of a bank holding company’s core capital elements (including restricted core capital elements), net of goodwill less any associated deferred tax liability. However, under the Dodd-Frank Act and the new capital rules issued by the federal banking regulatory agencies in July 2013, bank holding companies are prohibited from including in their Tier 1 capital hybrid debt and equity securities, including trust preferred securities, issued on or after May 19, 2010. Any such instruments issued before May 19, 2010 by a bank holding company, such as the Company, with total consolidated assets of less than $15 billion as of December 31, 2009, may continue to be included as Tier 1 capital. Therefore, the Company is permitted to continue to include its existing trust preferred securities as Tier 1 capital.   

 

Following are the outstanding subordinated capital notes assumed as part of the BBVAPR Acquisition on December 18, 2012:

 

Subordinated capital notes issued in September 2006 amounting to $37.0 million at a fixed rate of 5.76% through September 29, 2011, and three-month LIBOR plus 1.56% thereafter (1.80% at December 31, 2013; 1.87% at December 31, 2012), due September 29, 2016. Interest on these subordinated notes is payable quarterly during the floating-rate period. The Bank has the option to redeem these subordinated capital notes in whole or in part from time to time before maturity at 100% of the principal amount plus any accrued but unpaid interest to the date of redemption, beginning September 29, 2011, and at each payment date thereafter.

 

Subordinated capital notes issued in September 2006 amounting to $30.0 million at a variable rate of three-month LIBOR plus 1.56% thereafter (1.80% at December 31, 2013; 1.87% at December 31, 2012), due September 29, 2016. Interest on these subordinated notes is payable quarterly. The Bank has the option to redeem these subordinated capital notes in whole or in part from time to time before maturity at 100% of the principal amount plus any accrued but unpaid interest to the date of redemption, beginning September 29, 2011, and at each payment date thereafter.

 

These notes qualify as Tier 2 capital at a discounted rate, which totals $26.8 million at December 31, 2013 and $50.2 million at December 31, 2012.  Generally speaking, subordinated notes are included as Tier 2 capital if they have an original weighted average maturity of at least 5 years and comply with certain other requirements.  As the notes approach maturity, they begin to take on characteristics of a short term obligation.  For this reason, the outstanding amount eligible for inclusion in Tier 2 capital is reduced, or discounted, as the instruments approach maturity: one fifth of the outstanding amount is excluded each year during the instruments last five years before maturity.  When the remaining maturity is less than one year, the instrument is excluded from Tier 2 capital.

 

164

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Under the requirements of Puerto Rico Banking Act, the Bank must establish a redemption fund for the subordinated capital notes by transferring from undivided profits pre-established amounts as follows:

 

 

 

  

Redemption fund

  

(In thousands)

Redemption fund - December 31, 2013

$

 48,575 

2014 

  

 6,700 

2015 

  

 6,700 

2016 

  

 5,025 

  

$

 67,000 

 

Federal Funds Purchased

 

A summary of federal funds purchased, presented in the consolidated statement of financial condition within other borrowings, as of and for the years ended December 31, 2013 and 2012, is as follows.

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Balance at end of year

$

 - 

  

$

 9,901 

Average daily aggregate balance outstanding

$

 16,690 

  

$

 10,167 

Maximum outstanding balance at any month-end

$

 29,612 

  

$

 9,901 

Weighted average interest rate during the year

  

0.30%

  

  

30%

Weighted average interest rate at year-end

  

 - 

  

  

30%

 

Other borrowings

 

Other borrowings, presented in the consolidated statement of financial condition amounted to $3.7 million at December 31, 2013 and $6.7 million at December 31, 2012, which mainly consists of unsecured fixed-rate borrowings and term notes tied to the appreciation of  the S&P index. For both years, the unsecured fixed rate borrowings amounted to $1.7 million at a fixed rate of 3.0%.  The term notes tied to the S&P index amounted to $1.0 million at December 31, 2013 and $6.0 million at December 31, 2012 with index appreciation of $957 thousand and index fall of $858 thousand, respectively.

165

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 15 – OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES

 

The following table presents the potential effect of rights of set-off associated with the Company’s recognized financial assets and liabilities at December 31, 2013 and 2012:

 

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

Gross Amounts Not Offset in the Statement of Financial Condition

  

  

  

  

  

  

Gross Amounts

  

Net Amount of

  

  

  

  

  

  

  

  

  

  

Offset in the

  

Assets Presented

  

  

  

  

  

  

  

  

Gross Amount

  

Statement of

  

in Statement

  

  

  

Cash

  

  

  

  

of Recognized

  

Financial

  

of Financial

  

Financial

  

Collateral

  

Net

  

  

Assets

  

Condition

  

Condition

  

Instruments

  

Received

  

Amount

  

  

(In thousands)

Derivatives

  

$

 20,502 

  

$

 - 

  

$

 20,502 

  

$

 2,450 

  

$

 6,780 

  

$

 11,272 

Securities purchased under agreements to resell

  

  

 60,000 

  

  

 - 

  

  

 60,000 

  

  

 64,587 

  

  

 - 

  

  

 (4,587) 

Total

  

$

 80,502 

  

$

 - 

  

$

 80,502 

  

$

 67,037 

  

$

 6,780 

  

$

 6,685 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

December 31, 2012

  

  

  

  

  

  

  

  

  

  

  

Gross Amounts Not Offset in the Statement of Financial Condition

  

  

  

  

  

  

Gross Amounts

  

Net amount of

  

  

  

  

  

  

  

  

  

  

Offset in the

  

Assets Presented

  

  

  

  

  

  

  

  

Gross Amount

  

Statement of

  

in Statement

  

  

  

Cash

  

  

  

  

of Recognized

  

Financial

  

of Financial

  

Financial

  

Collateral

  

Net

  

  

Assets

  

Condition

  

Condition

  

Instruments

  

Received

  

Amount

  

  

  

  

  

  

  

  

(In thousands)

Derivatives

  

$

 21,889 

  

$

 - 

  

$

 21,889 

  

$

 2,016 

  

$

 1,380 

  

$

 18,493 

Securities purchased under agreements to resell

  

  

 80,000 

  

  

 - 

  

  

 80,000 

  

  

 82,100 

  

  

 - 

  

  

 (2,100) 

Total

  

$

 101,889 

  

$

 - 

  

$

 101,889 

  

$

 84,116 

  

$

 1,380 

  

$

 16,393 

166

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

Gross Amounts Not Offset in the Statement of Financial Condition

  

  

  

  

  

  

  

  

Net Amount of

  

  

  

  

  

  

  

  

  

  

Gross Amounts

  

Liabilities

  

  

  

  

  

  

  

  

  

  

Offset in the

  

 Presented 

  

  

  

  

  

  

  

  

  

  

  

Gross Amount

  

Statement of

  

in Statement

  

  

  

Cash

  

  

  

  

of Recognized

  

Financial

  

of Financial

  

Financial

  

Collateral

  

Net

  

  

Liabilities

  

Condition

  

Condition

  

Instruments

  

Provided

  

Amount

  

  

  

  

  

  

  

  

(In thousands)

Derivatives

  

$

 30,672 

  

$

 - 

  

$

 30,672 

  

$

 - 

  

$

 2,349 

  

$

 28,323 

Securities sold under agreements to repurchase

  

  

 1,265,000 

  

  

 - 

  

  

 1,265,000 

  

  

 1,277,919 

  

  

 67,029 

  

  

 (79,948) 

Total

  

$

 1,295,672 

  

$

 - 

  

$

 1,295,672 

  

$

 1,277,919 

  

$

 69,378 

  

$

 (51,625) 

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

December 31, 2012

  

  

  

  

  

  

  

  

  

  

  

Gross Amounts Not Offset in the Statement of Financial Condition

  

  

  

  

  

  

  

  

Net Amount of

  

  

  

  

  

  

  

  

  

  

Gross Amounts

  

Liabilities

  

  

  

  

  

  

  

  

  

  

Offset in the

  

 Presented 

  

  

  

  

  

  

  

  

  

  

  

Gross Amount

  

Statement of

  

in Statement

  

  

  

Cash

  

  

  

  

of Recognized

  

Financial

  

of Financial

  

Financial

  

Collateral

  

Net

  

  

Liabilities

  

Condition

  

Condition

  

Instruments

  

Provided

  

Amount

  

  

(In thousands)

Derivatives

  

$

 38,967 

  

$

 - 

  

$

 38,967 

  

$

 11,456 

  

$

 12,770 

  

$

 14,741 

Securities sold under agreements to repurchase

  

  

 1,692,931 

  

  

 - 

  

  

 1,692,931 

  

  

 1,898,534 

  

  

 - 

  

  

 (205,603) 

Total

  

$

 1,731,898 

  

$

 - 

  

$

 1,731,898 

  

$

 1,909,990 

  

$

 12,770 

  

$

 (190,862) 

 

The Company’s derivatives are subject to agreements which allow a right of set-off with each respective counterparty. In addition, the Company’s securities purchased under agreements to resell and securities sold under agreements to repurchase have a right of set-off with the respective counterparty under the supplemental terms of the Master Repurchase Agreements. In an event of default, each party has a right of set-off against the other party for amounts owed in the related agreements and any other amount or obligation owed in respect of any other agreement or transaction between them. Security collateral posted to open and maintain a master netting agreement with a counterparty, in the form of cash and securities, may from time to time be segregated in an account at a third-party custodian pursuant to a tri-party Account Control Agreement.

167

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 16 — EMPLOYEE BENEFIT PLAN

 

The Company has a profit sharing plan containing a cash or deferred arrangement qualified under Sections 1081.01(a) and 1081.01(d) of the 2011 Code, and Sections 401(a) and 401(k) of the United States Internal Revenue Code of 1986, as amended (the “U.S. Code”). This plan is subject to the provisions of Title I of the Employee Retirement Income Security Act of 1976, as amended (“ERISA”). This plan covers all full-time employees of the Company who are age twenty-one or older. Under this plan, participants may contribute each year up to $17,500. During 2013, the Company changed the matching contribution to 50 cents for each dollar contributed by an employee, up to 4% of such employee’s base salary. The new matching contribution is invested in accordance with the employee’s decision between the available investment alternatives provided by the plan. This plan is entitled to acquire and hold qualified employer securities as part of its investment of the trust assets pursuant to ERISA Section 407. The Company contributed 7,318 shares in 2013, 29,317 shares in 2012, and 24,128 shares in 2011 of its common stock at a cost of approximately $110,455, $60,938, and $42,789, respectively, at the time of contribution. In addition, the Company contributed $657,504 in cash during 2013. The Company’s contribution becomes 100% vested once the employee completes three years of service. Effective April 1, 2013, the Plan was amended to include a new subsection which states that all Employees who were employed by Banco Bilbao Vizcaya Argentaria Puerto Rico (“BBVA Bank”) on December 17, 2012 and who became employees of the Employer on December 18, 2012 as a result of the BBVAPR Acquisition by OFG Bancorp that was completed on the same date, shall be credited with all periods of service with BBVA Bank for all appropriate purposes under the Plan and can participate in the Plan.

Also, the Company offers to its senior management a non-qualified deferred compensation plan, where executives can defer taxable income. Both the employer and the employee have flexibility because non-qualified plans are not subject to ERISA contribution limits nor are they subject to discrimination tests in terms of who must be included in the plan. Under this plan, the employee’s current taxable income is reduced by the amount being deferred. Funds deposited in a deferred compensation plan can accumulate without current income tax to the individual. Income taxes are due when the funds are withdrawn.

 

NOTE 17 —  RELATED PARTY TRANSACTIONS

 

The Bank grants loans to its directors, executive officers and to certain related individuals or organizations in the ordinary course of business. These loans are offered at the same terms as loans to unrelated third parties. As of December 31, 2013 and 2012, these loan balances amounted to $19.0 million and $6.1 million, respectively. The activity and balance of these loans for the years ended December 31, 2013 and 2012 were as follows:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

(In thousands)

Balance at the beginning of year

$

 6,055 

  

$

 3,772 

    New loans

  

 18,499 

  

  

 2,435 

    Repayments

  

 (4,798) 

  

  

 (95) 

    Credits of persons no longer

        considered related parties

  

 (793) 

  

  

 (57) 

Balance at the end of year

$

 18,963 

  

$

 6,055 

168

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 18 —  INCOME TAXES

 

Under Puerto Rico law, all companies are treated as separate taxable entities and are not entitled to file consolidated returns. The Company and its subsidiaries are subject to Puerto Rico regular income tax or AMT on income earned from all sources. The AMT is payable if it exceeds regular income tax. The excess of AMT over regular income tax paid in any one year may be used to offset regular income tax in future years, subject to certain limitations.

 

The components of income tax expense (benefit) for the years ended December 31, 2013, 2012 and 2011 are as follows:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

Current income tax expense

$

 2,357 

  

$

 1,788 

  

$

 2,430 

Deferred income tax expense(benefit)

  

 (11,066) 

  

  

 1,513 

  

  

 (1,564) 

  

$

 (8,709) 

  

$

 3,301 

  

$

 866 

 

On June 30, 2013 the Governor signed Act No. 40-2013, known as “Ley de Redistribución y Ajuste de la Carga Contributiva” (Act of Redistribution and Adjustment of Tax Burden), as amended. The main purpose of the Act is to increase government collections in order to alleviate the structural deficit. The most relevant provisions of the Act, as applicable to the Company, and effective for taxable years beginning after December 31,2012 are as follows: (1) the maximum Corporate Income Tax rate was  increased from 30% to 39%; (2) the deduction allowed for determining the income subject to surtax was reduced from $750,000 to $25,000 (which must be allocated among the members of a controlled group of corporations); (3) the allowable Net Operating Loss (“NOL”) deduction was reduced to (i) 90% of the corporation’s net income subject to regular tax  for purposes of computing  the regular income tax, and  (ii)  80% of the alternative minimum taxable income for purposes of computing the alternative minimum tax (“AMT”); (4) the NOL carryover period was extended from 10 to 12 years  for NOLs incurred in taxable years beginning after December 31, 2004 and before January 1, 2013, and from 7 to 10 years for losses incurred in taxable years beginning after December 31, 2012;  (5) a new special tax based on gross income (the “Special Tax”) was added to the Puerto Rico Internal Revenue Code of 2011, as further described below; and (6) a special tax of 1% was imposed on insurance premiums earned after June 30, 2013.

 

 In the case of non-financial institutions, the Special Tax is paid as part of the AMT and thus is accounted for under the provisions of ASC 740. The applicable Special Tax rate for non-financial institutions increases gradually from 0.2% for gross income equal to or in excess of $1.0 million up to 0.85% for gross income in excess of $1.5 billion. In the case of a controlled group of corporations, the tax rate for all members of the group is determined by the aggregate gross income of all members in the group. In the case of financial institutions, the Special Tax is not part of the AMT calculation thus is accounted for as other tax not subject to the provisions of ASC 740 since the same is based on gross income. The applicable Special Tax rate for financial institutions is 1% of its gross income of a taxable year, of  which fifty percent (50%) may be claimed as a credit against the financial institution’s applicable income tax of  that  year.

 

The Company maintained an effective tax rate lower than the maximum marginal statutory rate of 39%,  and  30%, and 30% as of December 31, 2013, 2012 and 2011, respectively, mainly due to exempt income generated by OIB in 2013 and 2012, and income generated by OIB in 2011, which was taxed at 5%, and to the interest income arising from investments exempt from Puerto Rico income taxes, net of expenses attributable to the exempt income. For 2013, 2012 and 2011, the Bank’s investment securities portfolio and loans portfolio generated tax-exempt interest income of $11.7 million, $6.2 million, and $9.8 million, respectively. For 2013 and 2012, OIB generated $12.1 million and $15.3 million in exempt income, respectively. For 2011, OIB generated $36.9 million in income taxable at a 5% income tax rate.

169

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The Company’s income tax expense differs from amounts computed by applying the applicable statutory rate to income before income taxes as follows:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

Amount

  

Rate

  

Amount

  

Rate

  

Amount

  

Rate

  

(Dollars in thousands)

Tax at statutory rates

$ 

 34,997 

  

39.00%

  

$ 

 8,357 

  

30.00%

  

$ 

 10,595 

  

30.00%

Tax effect of exempt income, net

  

 (4,652) 

  

-4.90%

  

  

 (3,461) 

  

-12.42%

  

  

 (10,512) 

  

-29.77%

Effect of tax rate on capital loss carryforwards

  

 840 

  

0.94%

  

  

 (4,361) 

  

-15.66%

  

  

 (1,535) 

  

-4.34%

Change in valuation allowance

  

 1,896 

  

2.11%

  

  

 (554) 

  

-1.99%

  

  

 (1,292) 

  

-3.66%

Income tax contingencies provision (credit)

  

 (1,559) 

  

-1.57%

  

  

 114 

  

0.41%

  

  

 (2,807) 

  

-7.95%

Effect in deferred taxes due to increase in tax rates

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    from 30.00% to 39.00%

  

 (38,068) 

  

-43.04%

  

  

 - 

  

0.00%

  

  

 - 

  

0.00%

Effect in deferred taxes due to reduction in tax rates

  

  

  

  

  

  

  

  

  

  

  

  

  

  

    from 40.95% to 30.00%

  

 - 

  

0.00%

  

  

 - 

  

0.00%

  

  

 5,179 

  

14.66%

Effect of change in tax of IBE

  

 148 

  

0.17%

  

  

 2,383 

  

8.55%

  

  

 499 

  

1.41%

Other items, net

  

 (2,311) 

  

-2.58%

  

  

 823 

  

2.96%

  

  

 739 

  

2.10%

Income tax expense (benefit)

$ 

 (8,709) 

  

-9.70%

  

$ 

 3,301 

  

11.85%

  

$ 

 866 

  

2.45%

 

The tax effect expected of the income earned by OIB is included in the “tax effect of exempt income, net” caption on the table above and amounted to $4.7 million, $4.6 million and $9.2 million for the years ended December 31, 2013, 2012 and 2011, respectively.

At December 31, 2013 and December 31, 2012, Oriental International Bank Inc. (“ OIB”), the Bank’s international banking entity subsidiary, had $356 thousand and $504 thousand, respectively, in income tax effect of unrecognized gain on available-for-sale securities included in other comprehensive income. Following the change in OIB’s applicable tax rate from 5% to 0% as a result of a Puerto Rico law adopted in 2011, this remaining tax balance will flow through income as these securities are repaid or sold in future periods. During the years ended December 31, 2013 and 2012, $148 thousand and $2.3 million, respectively, related to this residual tax effect from OIB was reclassified from accumulated other comprehensive income into income tax provision.   

 

The Company classifies unrecognized tax benefits in income taxes payable. These gross unrecognized tax benefits would affect the effective tax rate if realized. The balance of unrecognized tax benefits at December 31, 2013 and 2012 was $4.0 million and $1.5 million, respectively. It is the Company’s policy to include interest and penalties related to unrecognized tax benefits within the provision for taxes on the consolidated statements of operations. The Company had accrued $1.3 million at December 31, 2013 (December 31, 2012 — $796 thousand) for the payment of interest and penalties relating to unrecognized tax benefits. This amount includes unrecognized tax benefits amounting to $2.4 million at December 31, 2013 and $3.9 million at December 31, 2012 from the BBVAPR Acquisition, which mainly relates to the methodology followed in allocating interest expense among the Bank and the IBE Unit. There is also $752 thousand (December 31, 2012 - $665 thousand) in accrued payment of interest and penalties relating to unrecognized tax benefits from this acquisition.

 

 

The determination of deferred tax expense or benefit is based on changes in the carrying amounts of assets and liabilities that generate temporary differences. The carrying value of the Company’s net deferred tax assets assumes that the Company will be able to generate sufficient future taxable income based on estimates and assumptions. If these estimates and related assumptions change in the future, the Company may be required to record valuation allowances against its deferred tax assets resulting in additional income tax expense in the consolidated statements of operations.

170

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The components of the Company’s deferred tax asset, net, at December 31, 2013 and 2012 are as follows:

 

  

December 31,

  

2013

  

2012

  

(In thousands)

Deferred tax asset:

  

  

  

  

  

Allowance for loan and lease losses and other reserves

$

 41,741 

  

$

 28,214 

FDIC-assisted acquisition, net

  

 - 

  

  

 7,653 

BBVAPR loans and other real estate valuation adjustments

  

 98,746 

  

  

 89,186 

BBVAPR operating loss carryforwards

  

 6,825 

  

  

 5,250 

BBVAPR deposit and borrowings valuation adjustment

  

 924 

  

  

 4,069 

BBVAPR other deferred tax assets, net

  

 5,272 

  

  

 6,650 

Deferred loan origination fees, net

  

 869 

  

  

 1,123 

Unrealized net loss included in other comprehensive income

  

 4,479 

  

  

 5,299 

S&P option contracts

  

 5,610 

  

  

 4,663 

Net capital and operating loss carryforwards

  

 29,004 

  

  

 13,585 

Other deferred tax assets

  

 8,245 

  

  

 7,362 

    Total gross deferred tax asset

  

 201,715 

  

  

 173,054 

  

  

  

  

  

  

Deferred tax liability:

  

  

  

  

  

FDIC shared-loss indemnification asset

  

(20,783)

  

  

(18,698)

FDIC-assisted acquisition, net

  

(15,021)

  

  

 - 

BBVAPR core deposit and customer relationship intangibles

  

(4,646)

  

  

(4,034)

BBVAPR building valuation adjustment

  

(10,883)

  

  

(8,708)

Unrealized net gain on available-for-sale securities

  

(1,478)

  

  

(6,598)

Servicing asset

  

(5,374)

  

  

(3,222)

Other deferred tax liabilities

  

(1,653)

  

  

(2,725)

    Total gross deferred tax liabilities

  

(59,838)

  

$

(43,985)

Less: valuation allowance

  

(4,313)

  

  

(2,417)

Net deferred tax asset

$

 137,564 

  

$

 126,652 

 

The shifting of the FDIC-assisted acquisition, amount from a deferred tax asset of $7.7 million in 2012 to a deferred tax liability of $15.0 million in 2013 results from the reduction of the covered loans tax basis in 2013 caused by the ending of the market discount amortization, which increased the tax basis, during the second quarter of 2013.

In assessing the realizability of the deferred tax asset, management considers whether it is more likely than not that some portion or the entire deferred tax asset will not be realized. The ultimate realization of the deferred tax asset is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax asset are deductible, management believes it is more likely than not that the Company will realize the benefits of these deductible differences, net of the existing valuation allowances at December 31, 2013. The amount of the deferred tax asset considered realizable, however, could be reduced in the near term if estimates of future taxable income during the carry-forward period are reduced.

The Company and its subsidiaries have operating and capital loss carry-forwards for income tax purposes which are available to offset future taxable income and capital gains. Operating loss carry-forwards are available until December 2023 and capital loss carry-forwards are available until December 2018. The majority of these operating and capital loss carry-forwards are at the Bank amounting to approximately $32.0 million as of December 31, 2013.

171

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The Company follows a two-step approach for recognizing and measuring uncertain tax positions. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates that it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes, if any. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement.

 

NOTE 19 —  STOCKHOLDERS’ EQUITY AND EARNINGS PER COMMON SHARE  

 

Regulatory Capital Requirements

 

The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by federal and Puerto Rico banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Pursuant to the Dodd-Frank Act, federal banking regulators have adopted new capital rules that are scheduled to become effective January 1, 2014 for advanced approaches banking organizations and January 1, 2015 for all other covered organizations (subject to certain phase-in periods through January 1, 2019) and that will replace their general risk-based capital rules, advanced approaches rule, market risk rule, and leverage rules.

 

Quantitative measures established by regulation to ensure capital adequacy currently require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined in the regulations) and of Tier 1 capital to average total assets (as defined in the regulations). As of December 31, 2013 and 2012, the Company and the Bank met all capital adequacy requirements to which they are subject. As of December 31, 2013 and 2012, the Bank is “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized,” an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables.

 

Regulatory ratios and balances for December 31, 2012 do not reflect any changes as a result of the BBVAPR Acquisition remeasurement adjustments, since an institution is not required to amend previously filed regulatory reports for retrospective adjustments made to provisional amounts during the measurement period.

172

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2013 and 2012 are as follows:

 

  

  

  

  

  

  

Minimum Capital

  

Actual

  

Requirement

  

Amount

  

Ratio

  

Amount

  

Ratio

  

(Dollars in thousands)

Company Ratios

  

  

  

  

  

  

  

  

  

As of December 31, 2013

  

  

  

  

  

  

  

  

  

Total capital to risk-weighted assets

$

 828,476 

  

16.14%

  

$

 410,763 

  

8.00%

Tier 1 capital to risk-weighted assets

$

 736,930 

  

14.35%

  

$

 205,382 

  

4.00%

Tier 1 capital to average total assets

$

 736,930 

  

9.11%

  

$

 323,476 

  

4.00%

As of December 31, 2012

  

  

  

  

  

  

  

  

  

Total capital to risk-weighted assets

$

 808,188 

  

15.40%

  

$

 419,942 

  

8.00%

Tier 1 capital to risk-weighted assets

$

 692,017 

  

13.18%

  

$

 209,971 

  

4.00%

Tier 1 capital to average total assets

$

 692,017 

  

6.55%

  

$

 422,862 

  

4.00%

 

  

  

  

  

  

  

  

  

  

  

  

Minimum to be Well

  

  

  

  

  

  

  

  

  

  

  

Capitalized Under Prompt

  

  

  

  

  

  

Minimum Capital

  

Corrective Action

  

Actual

  

Requirement

  

Provisions

  

Amount

  

Ratio

  

Amount

  

Ratio

  

Amount

  

Ratio

  

(Dollars in thousands)

Bank Ratios

  

  

  

  

  

  

  

  

  

  

  

  

  

  

As of December 31, 2013

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Total capital to risk-weighted assets

$

 780,487 

  

15.26%

  

$

 409,253 

  

8.00%

  

$

 511,567 

  

10.00%

Tier 1 capital to risk-weighted assets

$

 689,174 

  

13.47%

  

$

 204,627 

  

4.00%

  

$

 306,940 

  

6.00%

Tier 1 capital to average total assets

$

 689,174 

  

8.57%

  

$

 321,551 

  

4.00%

  

$

 401,939 

  

5.00%

As of December 31, 2012

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Total capital to risk-weighted assets

$

 719,675 

  

14.03%

  

$

 410,268 

  

8.00%

  

$

 512,835 

  

10.00%

Tier 1 capital to risk-weighted assets

$

 604,997 

  

11.80%

  

$

 205,134 

  

4.00%

  

$

 307,701 

  

6.00%

Tier 1 capital to average total assets

$

 604,997 

  

5.76%

  

$

 420,298 

  

4.00%

  

$

 525,373 

  

5.00%

173

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Equity-Based Compensation Plan

 

The Omnibus Plan provides for equity-based compensation incentives through the grant of stock options, stock appreciation rights, restricted stock, restricted stock units, and dividend equivalents, as well as equity-based performance awards. The Omnibus Plan replaced and superseded the Stock Option Plans. All outstanding stock options under the Stock Option Plans continue in full force and effect, subject to their original terms.

 

The activity in outstanding options for the years ended December 31, 2013, 2012 and 2011 is set forth below:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

  

  

Weighted

  

  

  

Weighted

  

  

  

Weighted

  

Number

  

Average

  

Number

  

Average

  

Number

  

Average

  

Of

  

Exercise

  

Of

  

Exercise

  

Of

  

Exercise

  

Options

  

Price

  

Options

  

Price

  

Options

  

Price

Beginning of period

 922,593 

  

$ 

 14.50 

  

 786,704 

  

$ 

 15.02 

  

 765,989 

  

$ 

 15.25 

     Options granted

 196,000 

  

  

 14.52 

  

 204,543 

  

  

 11.83 

  

 85,000 

  

  

 11.90 

     Options exercised

 (34,396) 

  

  

 12.65 

  

 (32,954) 

  

  

 11.98 

  

 (923) 

  

  

 8.82 

     Options forfeited

 (176,079) 

  

  

 15.11 

  

 (35,700) 

  

  

 11.93 

  

 (63,362) 

  

  

 13.69 

End of period

 908,118 

  

$ 

 14.46 

  

 922,593 

  

$ 

 14.50 

  

 786,704 

  

$ 

 15.02 

 

The following table summarizes the range of exercise prices and the weighted average remaining contractual life of the options outstanding at December 31, 2013:

 

  

  

Outstanding

  

Exercisable

  

  

  

  

  

  

  

  

Weighted

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Average

  

  

  

  

  

  

  

  

  

  

  

Weighted

  

Contract Life

  

  

  

  

Weighted

  

  

Number of

  

Average

  

Remaining

  

Number of

  

Average

Range of Exercise Prices

  

Options

  

Exercise Price

  

(Years)

  

Options

  

Exercise Price

$5.63 to $8.45

  

  

 10,471 

  

  

 8.28 

  

5.3 

  

  

 7,467 

  

  

 8.28 

8.46 to 11.26

  

  

 1,000 

  

  

 10.29 

  

3.6 

  

  

 1,000 

  

  

 10.29 

11.27 to 14.08

  

  

 558,547 

  

  

 11.93 

  

6.4 

  

  

 235,253 

  

  

 12.09 

14.09 to 16.90

  

  

 201,900 

  

  

 14.64 

  

7.6 

  

  

 40,000 

  

  

 15.11 

19.72 to 22.53

  

  

 7,000 

  

  

 21.86 

  

4.2 

  

  

 7,000 

  

  

 21.86 

22.54 to 25.35

  

  

 83,350 

  

  

 23.99 

  

0.3 

  

  

 83,350 

  

  

 23.99 

25.36 to 28.17

  

  

 45,850 

  

  

 27.55 

  

1.0 

  

  

 45,850 

  

  

 27.55 

  

  

  

 908,118 

  

$

 14.46 

  

5.8 

  

  

419,920 

  

$

 16.52 

Aggregate Intrinsic Value

  

$

 2,614,954 

  

  

  

  

  

  

$

 344,142 

  

  

  

 

The average fair value of each option granted during 2013, 2012 and 2011 was $5.94, $5.41and $6.48, respectively. The average fair value of each option granted was estimated at the date of the grant using the Black-Scholes option pricing model. The Black-Scholes option-pricing model was developed for use in estimating the fair value of traded options that have no restrictions and are fully transferable and negotiable in a free trading market. Black-Scholes does not consider the employment, transfer or vesting restrictions that are inherent in the Company’s stock options. Use of an option valuation model, as required by GAAP, includes highly subjective assumptions based on long-term predictions, including the expected stock price volatility and average life of each option grant.

174

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following assumptions were used in estimating the fair value of the options granted during the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

Weighted average assumptions:

  

  

  

  

  

    Dividend yield

1.66%

  

1.80%

  

1.62%

    Expected volatility

44.34%

  

51.13%

  

58.99%

    Risk-free interest rate

1.55%

  

1.70%

  

3.11%

    Expected life (in years)

8.0 

  

8.0 

  

8.0 

 

The following table summarizes the activity in restricted units under the Omnibus Plan for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

  

  

Weighted

  

  

  

Weighted

  

  

  

Weighted

  

  

  

Average

  

  

  

Average

  

  

  

Average

  

Restricted

  

Grant Date

  

Restricted

  

Grant Date

  

Restricted

  

Grant Date

  

Units

  

Fair Value

  

Units

  

Fair Value

  

Units

  

Fair Value

Beginning of period

 197,500 

  

$

 12.13 

  

 205,149 

  

$

 11.27 

  

 243,525 

  

$

 13.43 

     Restricted units granted

 85,700 

  

  

 15.86 

  

 57,350 

  

  

 11.85 

  

 39,500 

  

  

 11.88 

     Restricted units lapsed

 (113,367) 

  

  

 12.34 

  

 (47,210) 

  

  

 8.29 

  

 (59,916) 

  

  

 20.65 

     Restricted units forfeited

 (11,083) 

  

  

 12.87 

  

 (17,789) 

  

  

 11.48 

  

 (17,960) 

  

  

 11.67 

End of period

158,750 

  

$

 13.95 

  

197,500 

  

$

 12.13 

  

205,149 

  

$

 11.27 

 

At the 2013 annual meeting, the shareholders of the Company approved an increase of 1,437,176 shares of common stock reserved for issuance under the Omnibus Plan for a total of 1,500,000 shares.

 

The total unrecognized compensation cost related to non-vested restricted units to members of management at December 31, 2013 was $4.1 million and is expected to be recognized over a weighted-average period of 2.7 years. 

     

     Preferred Stock

 

In connection with the BBVAPR Acquisition, as discussed in Note 2, on July 3, 2012, the Company completed its sale to various institutional purchasers of $84 million of its Convertible Preferred Stock, with an initial conversion price, subject to certain conditions, of approximately $11.77 per share of common stock, through a private placement, pursuant to a Subscription Agreement dated June 28, 2012, between the Company and each of the purchasers. In addition, on November 5, 2012 the Company sold 960,000 shares of its Series D Preferred Stock at an offering price of $25 per share in a registered public offering.

 

     Common Stock

 

In connection with the BBVAPR Acquisition on October 31, 2012 the Company sold 4,829,267 shares of its common stock at an offering price of $11.10 per share in a registered public offering.      

 

    Additional paid-in capital

 

Additional paid-in capital represents contributed capital in excess of par value of common and preferred stock net of costs of the issuance. As of December 31, 2013, accumulated issuance costs charged against additional paid in capital amounted to $10.1 million and $13.6  million for preferred and common stock, respectively.

 

175

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Legal Surplus

 

The Puerto Rico Banking Act requires that a minimum of 10% of the Bank’s net income for the year be transferred to a reserve fund until such fund (legal surplus) equals the total paid in capital on common and preferred stock. At December 31, 2013 and 2012, the Bank’s legal surplus amounted to $62.0 million and $52.1 million, respectively. The amount transferred to the legal surplus account is not available for the payment of dividends to shareholders.

 

Earnings per Common Share

 

The calculation of earnings per common share for the years ended December 31, 2013, 2012 and 2011 is as follows:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands, except per share data)

Net income

$ 

 98,446 

  

$ 

 24,555 

  

$ 

 34,450 

    Less: Dividends on preferred stock

  

  

  

  

  

  

  

  

      Non-Convertible Preferred Stock (Series A, B, and D)

  

 (6,512) 

  

  

 (6,264) 

  

  

 (4,802) 

      Convertible preferred stock (Series C)

  

 (7,350) 

  

  

 (3,675) 

  

  

 - 

Income available to common shareholders

$

 84,584 

  

$

 14,616 

  

$

 29,648 

    Effect of assumed conversion of the Convertible             '    'Preferred Stock

  

 7,350 

  

  

 3,675 

  

  

 - 

Income available to common shareholders                       assuming conversion

$

 91,934 

  

$

 18,291 

  

$

 29,648 

  

  

  

  

  

  

  

  

  

 

Weighted average common shares and share equivalents:

  

  

  

  

  

  

  

  

  Average common shares outstanding

  

 45,706 

  

  

 41,626 

  

  

 44,433 

  Effect of dilutive securities:

  

  

  

  

  

  

  

  

    Average potential common shares-options

  

 189 

  

  

 109 

  

  

 91 

    Average potential common shares-assuming                    '     'conversion of convertible preferred stock

  

 7,138 

  

  

 3,569 

  

  

 - 

Total weighted average common shares                       ' 'outstanding and equivalents

  

 53,033 

  

  

 45,304 

  

  

 44,524 

Earnings per common share - basic

$ 

 1.85 

  

$ 

 0.35 

  

$ 

 0.67 

Earnings per common share - diluted

$ 

 1.73 

  

$ 

 0.35 

  

$ 

 0.67 

 

In computing diluted earnings per common share, the 84,000 shares of convertible preferred stock, which remain outstanding at December 31, 2013, with a conversion rate, subject to certain conditions, of 84.9798 shares of common stock per share, were included as average potential common shares from the date they were issued and outstanding. Moreover, in computing diluted earnings per common share, the dividends declared during 2013 and 2012 on the convertible preferred stock were added back as income available to common shareholders.

 

For the years ended December 31, 2013, 2012 and 2011, weighted-average stock options with an anti-dilutive effect on earnings per share not included in the calculation amounted to 230,392,  697,976 and 529,093, respectively.

176

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Treasury Stock

 

Under the Company’s current stock repurchase program it is authorized to purchase in the open market up to $70 million of its outstanding shares of common stock. The shares of common stock repurchased are to be held by the Company as treasury shares. There were no repurchases during 2013. During 2012, the Company purchased 603,000 shares under this program for a total of $7.0 million, at an average price of $11.61 per share. During 2011, the Company purchased approximately 2,783,000 shares under the $70 million program for a total of $29.4 million, at an average price of $10.57 per share. The approximate dollar value of shares that may be repurchased under the plan amounted to $33.6 million at December 31, 2013.

 

The activity in connection with common shares held in treasury by the Company for years ended December 31, 2013, 2012 and 2011 is set forth below:

 

  

Year Ended December 31,

  

2013 

  

2012 

  

2011 

  

  

  

Dollar

  

  

  

Dollar

  

  

  

Dollar

  

Shares

  

Amount

  

Shares

  

Amount

  

Shares

  

Amount

  

(In thousands, except shares data)

Beginning of year

 7,090,597 

  

$ 

 81,275 

  

 6,564,124 

  

$ 

 74,808 

  

 1,459,067 

  

$ 

 16,732 

Common shares used upon lapse of restricted stock units

 (53,178) 

  

  

 (556) 

  

 (47,210) 

  

  

 (494) 

  

 (59,916) 

  

  

 (656) 

Common shares repurchased as part of the stock repurchase program

 - 

  

  

 - 

  

 603,000 

  

  

 7,022 

  

 5,189,101 

  

  

 58,775 

Common shares used to match defined 

contribution plan, net

 (7,318) 

  

  

 (77) 

  

 (29,317) 

  

  

 (61) 

  

 (24,128) 

  

  

 (43) 

End of year

 7,030,101 

  

$ 

 80,642 

  

 7,090,597 

  

$ 

 81,275 

  

 6,564,124 

  

$ 

 74,808 

 

Accumulated Other Comprehensive Income

 

Accumulated other comprehensive income, net of income tax, as of December 31, 2013 and 2012 consisted of:

 

  

December 31,

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Unrealized gain on securities available-for-sale which are not

    other-than-temporarily impaired

$

 13,267 

  

$ 

 75,347 

Income tax effect of unrealized gain on securities available-for-sale

  

 (1,834) 

  

  

 (7,102) 

    Net unrealized gain on securities available-for-sale which are not

        other-than-temporarily impaired

  

 11,433 

  

  

 68,245 

Unrealized loss on cash flow hedges

  

 (10,907) 

  

  

 (17,664) 

Income tax effect of unrealized loss on cash flow hedges

  

 2,665 

  

  

 5,299 

    Net unrealized loss on cash flow hedges

  

 (8,242) 

  

  

 (12,365) 

Accumulated other comprehensive income, net of taxes

$

 3,191 

  

$ 

 55,880 

177

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following table presents changes in accumulated other comprehensive income by component, net of taxes, for the year ended December 31, 2013:

 

  

Year Ended December 31, 2013

  

Net unrealized

  

Net unrealized

  

Accumulated

  

gains on

  

loss on

  

other

  

securities

  

cash flow

  

comprehensive

  

available-for-sale

  

hedges

  

income

  

(In thousands)

Beginning balance

$

 68,245 

  

$

 (12,365) 

  

$

 55,880 

Other comprehensive income before reclassifications

  

 (56,960) 

  

  

 (1,930) 

  

  

 (58,890) 

Amounts reclassified out of accumulated other comprehensive income

  

 148 

  

  

 6,053 

  

  

 6,201 

Other comprehensive income (loss)

  

 (56,812) 

  

  

 4,123 

  

  

 (52,689) 

Ending balance

$

 11,433 

  

$

 (8,242) 

  

$

 3,191 

 

The following table presents reclassifications out of accumulated other comprehensive income for the year ended December 31, 2013:

 

  

  

  

  

  

  

  

  

Year

  

Affected Line Item in

  

Ended

  

Consolidated Statement

  

 December 31, 2013

  

  of Operations

  

(In thousands)

  

  

Cash flow hedges:

  

  

  

  

Interest-rate contracts

$

 6,053 

  

Net interest expense 

Available-for-sale securities:

  

  

  

  

Residual tax effect from OIB's change in applicable tax rate

  

 148 

  

Income tax expense 

  

$

 6,201 

  

  

 

At December 31, 2013 and 2012, OIB had $356 thousand and $504 thousand, respectively, in the income tax effect of unrecognized gain on available-for-sale securities included in other comprehensive income. Following the change in OIB’s applicable tax rate from 5% to 0% as a result of  a Puerto Rico law approved  in 2011, this remaining tax balance will flow through income as these securities are repaid or sold in future periods.

178

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 20 – GUARANTEES

At December 31, 2013 the unamortized balance of the obligations undertaken in issuing the guarantees under standby letters of credit represented a liability of $38.6 million (December 31, 2012 - $69.8 million).

 

As part of the BBVAPR Acquisition, on December 18, 2012, the Company assumed a liability for residential mortgage loans sold by BBVAPR subject to credit recourse, principally loans associated with FNMA residential mortgage loan sales and securitization programs. At December 31, 2013, the unpaid principal balance of residential mortgage loans sold subject to credit recourse was $122.3 million. In the event of any customer default, pursuant to the credit recourse provided, the Company is required to repurchase the loan or reimburse the third party investor for the incurred loss. The maximum potential amount of future payments that the Company would be required to make under the recourse arrangements in the event of nonperformance by the borrowers is equivalent to the total outstanding balance of the residential mortgage loans serviced with recourse and interest, if applicable. During the year ended December 31, 2013, the Company repurchased approximately $8.9 million of unpaid principal balance in mortgage loans subject to the credit recourse provisions. In the event of nonperformance by the borrower, the Company has rights to the underlying collateral securing the mortgage loan. The Company suffers ultimate losses on these loans when the proceeds from a foreclosure sale of the property underlying a defaulted mortgage loan are less than the outstanding principal balance of the loan plus any uncollected interest advanced and the costs of holding and disposing the related property. At December 31, 2013 the Company’s liability established to cover the estimated credit loss exposure related to loans sold with credit recourse amounted to $2.0 million (December 31, 2012 – $2.5 million). The following table shows the changes in the Company’s liability of estimated loss from these credit recourse agreements, included in the consolidated statements of financial condition during the years ended December 31, 2013 and 2012.

 

  

Year Ended December 31,

  

2013 

  

2012 

  

(In thousands)

Balance at beginning of year

$

 2,460 

  

$

 - 

    Additions from BBVAPR Acquisition

  

 - 

  

  

 2,460 

    Net charge-offs/terminations

  

 (505) 

  

  

 - 

Balance at end of year

$

 1,955 

  

$

 2,460 

 

The estimated losses to be absorbed under the credit recourse arrangements are recorded as a liability when the loans are sold or credit recourse is assumed, and are updated on a quarterly basis. The expected loss, which represents the amount expected to be lost on a given loan, considers the probability of default and loss severity. The probability of default represents the probability that a loan in good standing would become 120 days delinquent, in which case the Company is obligated to repurchase the loan. At December 31, 2013, $91.4 or 75% of the recourse obligation will extinguish during the next two years.

 

179

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

When the Company sells or securitizes mortgage loans, it generally makes customary representations and warranties regarding the characteristics of the loans sold. The Company's mortgage operations division groups conforming mortgage loans into pools which are exchanged for FNMA and GNMA mortgage-backed securities, which are generally sold to private investors, or are sold directly to FNMA or other private investors for cash. As required under such mortgage backed securities programs, quality review procedures are performed by the Company to ensure that asset guideline qualifications are met. To the extent the loans do not meet specified characteristics, the Company may be required to repurchase such loans or indemnify for losses and bear any subsequent loss related to the loans. Repurchases during the year ended December 31, 2013 under the Company’s representation and warranty arrangements, excluding mortgage loans subject to credit recourse provisions referred above, approximated $12.5 million in unpaid principal balance (December 31, 2012 - $8.0 million). A substantial amount of these loans reinstate to performing status or have mortgage insurance, and thus the ultimate losses on the loans are not deemed significant.

During the year ended December 31, 2013, the Company recognized $281 thousand and $1.7 million in losses from the repurchase of residential mortgage loans sold, whether subject to credit recourse or not subject to credit recourse, respectively.

Servicing agreements relating to the mortgage-backed securities programs of FNMA and GNMA, and to mortgage loans sold or serviced to certain other investors, including FHLMC, require the Company to advance funds to make scheduled payments of principal, interest, taxes and insurance, if such payments have not been received from the borrowers. At December 31, 2013, the Company serviced $1.1 billion in mortgage loans for third-parties. The Company generally recovers funds advanced pursuant to these arrangements from the mortgage owner, from liquidation proceeds when the mortgage loan is foreclosed or, in the case of FHA/VA loans, under the applicable FHA and VA insurance and guarantees programs. However, in the meantime, the Company must absorb the cost of the funds it advances during the time the advance is outstanding. The Company must also bear the costs of attempting to collect on delinquent and defaulted mortgage loans. In addition, if a defaulted loan is not cured, the mortgage loan would be canceled as part of the foreclosure proceedings and the Company would not receive any future servicing income with respect to that loan. At December 31, 2013, the outstanding balance of funds advanced by the Company under such mortgage loan servicing agreements was approximately $243 thousand (December 31, 2012 - $107 thousand). To the extent the mortgage loans underlying the Company's servicing portfolio experience increased delinquencies, the Company would be required to dedicate additional cash resources to comply with its obligation to advance funds as well as incur additional administrative costs related to increases in collection efforts.

180

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

NOTE 21 —  COMMITMENTS AND CONTINGENCIES

 

Loan Commitments

 

In the normal course of business, the Company becomes a party to credit-related financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby and commercial letters of credit, and financial guarantees. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the consolidated statements of financial condition. The contract or notional amount of those instruments reflects the extent of the Company’s involvement in particular types of financial instruments.

The Company’s exposure to credit losses in the event of nonperformance by the counterparty to the financial instrument for commitments to extend credit, including commitments under credit card arrangements, and commercial letters of credit is represented by the contractual notional amounts of those instruments, which do not necessarily represent the amounts potentially subject to risk. In addition, the measurement of the risks associated with these instruments is meaningful only when all related and offsetting transactions are identified. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

Summarized credit-related financial instruments at December 31, 2013 and 2012 were as follows:

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Commitments to extend credit

$

 520,269 

  

$ 

 591,679 

Commercial letters of credit

  

 1,096 

  

  

 2,918 

 

Commitments to extend credit represent agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company upon the extension of credit, is based on management’s credit evaluation of the counterparty.

 

At December 31, 2013 and 2012, commitments to extend credit consisted mainly of undisbursed available amounts on commercial lines of credit, construction loans, and revolving credit card arrangements. Since many of the unused commitments are expected to expire unused or be only partially used, the total amount of these unused commitments does not necessarily represent future cash requirements. These lines of credit had a reserve of $900 thousand and $362 thousand at December 31, 2013 and 2012, respectively.

 

Commercial letters of credit are issued or confirmed to guarantee payment of customers’ payables or receivables in short-term international trade transactions. Generally, drafts will be drawn when the underlying transaction is consummated as intended. However, the short-term nature of this instrument serves to mitigate the risk associated with these contracts.

 

181

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

The summary of instruments that are considered financial guarantees in accordance with the authoritative guidance related to guarantor’s accounting and disclosure requirements for guarantees, including indirect guarantees of indebtedness of others, at December 31, 2013 and 2012, is as follows:

 

  

December 31,

  

2013 

  

2012 

  

(In thousands)

Standby letters of credit and financial guarantees

$

 38,577 

  

$ 

 69,789 

Loans sold with recourse

  

 122,291 

  

  

 172,492 

Commitments to sell or securitize mortgage loans

  

 99,307 

  

  

 83,663 

 

Standby letters of credit and financial guarantees are written conditional commitments issued by the Company to guarantee the payment and/or performance of a customer to a third party (“beneficiary”). If the customer fails to comply with the agreement, the beneficiary may draw on the standby letter of credit or financial guarantee as a remedy. The amount of credit risk involved in issuing letters of credit in the event of nonperformance is the face amount of the letter of credit or financial guarantee. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. The Company does not expect any significant losses under these obligations. As part of the BBVAPR Acquisition, the Company assumed $65.9 million of standby letters of credit and $169.3 million of loans sold without recourse commitments at December 31, 2012.

 

Lease Commitments

 

The Company has entered into various operating lease agreements for branch facilities and administrative offices. Rent expense for the years ended December 31, 2013, 2012 and 2011 amounted to $10.1 million, $6.7 million, and $6.1 million, respectively, and is included in the “occupancy and equipment” caption in the consolidated statements of operations.  Future rental commitments under leases in effect at December 31, 2013, exclusive of taxes, insurance, and maintenance expenses payable by the Company, are summarized as follows:

 

Year Ending December 31,

Minimum Rent

  

(In thousands)

2014 

$

8,182 

2015 

  

7,961 

2016 

  

7,336 

2017 

  

6,709 

2018 

  

5,812 

Thereafter

  

21,750 

  

$

 57,750 

182

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Contingencies

 

The Company and its subsidiaries are defendants in a number of legal proceedings incidental to their business. In the ordinary course of business, the Company and its subsidiaries are also subject to governmental and regulatory examinations. Certain subsidiaries of the Company, including the Bank (and its subsidiary OIB), Oriental Financial Services, and Oriental Insurance, are subject to regulation by various U.S., Puerto Rico and other regulators.

 

The Company seeks to resolve all litigation and regulatory matters in the manner management believes is in the best interests of the Company and its shareholders, and contests allegations of liability or wrongdoing and, where applicable, the amount of damages or scope of any penalties or other relief sought as appropriate in each pending matter.

 

Subject to the accounting and disclosure framework under the provisions of ASC 450, it is the opinion of the Company’s management, based on current knowledge and after taking into account its current legal accruals, that the eventual outcome of all matters would not be likely to have a material adverse effect on the consolidated statements of financial condition of the Company. Nonetheless, given the substantial or indeterminate amounts sought in certain of these matters, and the inherent unpredictability of such matters, an adverse outcome in certain of these matters could, from time to time, have a material adverse effect on the Company’s consolidated results of operations or cash flows in particular quarterly or annual periods. The Company has evaluated all litigation and regulatory matters where the likelihood of a potential loss is deemed reasonably possible. The Company has determined that the estimate of the reasonably possible loss is not significant.

 

NOTE 22 - FAIR VALUE OF FINANCIAL INSTRUMENTS

 

The Company follows the fair value measurement framework under GAAP.

 

Fair Value Measurement

 

The fair value measurement framework defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. This framework also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs previously described that may be used to measure fair value.

 

Money market investments

 

The fair value of money market investments is based on the carrying amounts reflected in the consolidated statements of financial condition as these are reasonable estimates of fair value given the short-term nature of the instruments.

 

Investment securities

 

The fair value of investment securities is based on quoted market prices, when available, or market prices provided by recognized broker-dealers. If listed prices or quotes are not available, fair value is based upon externally developed models that use both observable and unobservable inputs depending on the market activity of the instrument. The Company holds two securities categorized as other debt that are classified as Level 3. The estimated fair value of the other debt securities is determined by using a third-party model to calculate the present value of projected future cash flows. The assumptions are highly uncertain and include primarily market discount rates, current spreads, and an indicative pricing. The assumptions used are drawn from similar securities that are actively traded in the market and have similar characteristics as the collateral underlying the debt securities being evaluated. The valuation is performed on a monthly basis.

 

183

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

Derivative instruments

 

The fair value of the interest rate swaps is largely a function of the financial market’s expectations regarding the future direction of interest rates. Accordingly, current market values are not necessarily indicative of the future impact of derivative instruments on earnings. This will depend, for the most part, on the shape of the yield curve, the level of interest rates, as well as the expectations for rates in the future. The fair value of most of these derivative instruments is based on observable market parameters, which include discounting the instruments’ cash flows using the U.S. dollar LIBOR-based discount rates, and also applying yield curves that account for the industry sector and the credit rating of the counterparty and/or the Company.

 

Certain other derivative instruments with limited market activity are valued using externally developed models that consider unobservable market parameters. Based on their valuation methodology, derivative instruments are classified as Level 2 or Level 3. The Company has offered its customers certificates of deposit with an option tied to the performance of the S&P Index and uses equity indexed option agreements with major broker-dealers to manage its exposure to changes in this index. Their fair value is obtained through the use of an external based valuation that was thoroughly evaluated and adopted by management as its measurement tool for these options. The payoff of these options is linked to the average value of the S&P Index on a specific set of dates during the life of the option. The methodology uses an average rate option or a cash-settled option whose payoff is based on the difference between the expected average value of the S&P Index during the remaining life of the option and the strike price at inception. The assumptions, which are uncertain and require a degree of judgment, include primarily S&P Index volatility, forward interest rate projections, estimated index dividend payout, and leverage.

 

Servicing assets

 

Servicing assets do not trade in an active market with readily observable prices. Servicing assets are priced using a discounted cash flow model. The valuation model considers servicing fees, portfolio characteristics, prepayment assumptions, delinquency rates, late charges, other ancillary revenues, cost to service and other economic factors. Due to the unobservable nature of certain valuation inputs, the servicing rights are classified as Level 3.

 

Loans receivable considered impaired that are collateral dependent

 

The impairment is measured based on the fair value of the collateral, which is derived from appraisals that take into consideration prices in observed transactions involving similar assets in similar locations, in accordance with the provisions of ASC 310-10-35. Currently, the associated loans considered impaired are classified as Level 3.

 

Foreclosed real estate

 

Foreclosed real estate includes real estate properties securing residential mortgage and commercial loans. The fair value of foreclosed real estate may be determined using an external appraisal, broker price option or an internal valuation. These foreclosed assets are classified as Level 3 given certain internal adjustments that may be made to external appraisals.

184

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Assets and liabilities measured at fair value on a recurring and non-recurring basis, including financial liabilities for which the Company has elected the fair value option, are summarized below:

 

  

December 31, 2013

  

Fair Value Measurements

  

Level 1

  

Level 2  

  

Level 3

  

Total

  

(In thousands)

Recurring fair value measurements:

  

  

  

  

  

  

  

  

  

  

  

    Investment securities available-for-sale

$

 - 

  

$

 1,568,745 

  

$

 19,680 

  

$

 1,588,425 

    Securities purchased under agreements to resell

  

 - 

  

  

 60,000 

  

  

 - 

  

  

 60,000 

    Money market investments

  

 6,967 

  

  

 - 

  

  

 - 

  

  

 6,967 

    Derivative assets

  

 - 

  

  

 4,072 

  

  

 16,430 

  

  

 20,502 

    Servicing assets

  

 - 

  

  

 - 

  

  

 13,801 

  

  

 13,801 

    Derivative liabilities

  

 - 

  

  

 (14,937) 

  

  

 (15,736) 

  

  

 (30,673) 

  

$

 6,967 

  

$

 1,617,880 

  

$

 34,175 

  

$

 1,659,022 

Non-recurring fair value measurements:

  

  

  

  

  

  

  

  

  

  

  

    Impaired commercial loans

$

 - 

  

$

 - 

  

$

 28,353 

  

$

 28,353 

    Foreclosed real estate

  

 - 

  

  

 - 

  

  

 90,024 

  

  

 90,024 

  

$

 - 

  

$

 - 

  

$

 118,377 

  

$

 118,377 

 

  

December 31, 2012

  

Fair Value Measurements

  

Level 1

  

Level 2  

  

Level 3

  

Total

  

(In thousands)

Recurring fair value measurements:

  

  

  

  

  

  

  

  

  

  

  

    Investment securities available-for-sale

$

 - 

  

$

 2,174,274 

  

$

 20,012 

  

$

 2,194,286 

    Securities purchased under agreements to resell

  

 - 

  

  

 80,000 

  

  

 - 

  

  

 80,000 

    Money market investments

  

 13,205 

  

  

 - 

  

  

 - 

  

  

 13,205 

    Derivative assets

  

 - 

  

  

 8,656 

  

  

 13,233 

  

  

 21,889 

    Servicing assets

  

 - 

  

  

 - 

  

  

 10,795 

  

  

 10,795 

    Derivative liabilities

  

 - 

  

  

 (26,260) 

  

  

 (12,707) 

  

  

 (38,967) 

  

$

 13,205 

  

$

 2,236,670 

  

$

 31,333 

  

$

 2,281,208 

Non-recurring fair value measurements:

  

  

  

  

  

  

  

  

  

  

  

    Impaired commercial loans

$

 - 

  

$

 - 

  

$

 46,199 

  

$

 46,199 

    Foreclosed real estate

  

 - 

  

  

 - 

  

  

 74,173 

  

  

 74,173 

  

$

 - 

  

$

 - 

  

$

 120,372 

  

$

 120,372 

185

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31, 2013

  

  

  

  

Derivative

  

  

  

  

Derivative

  

  

  

  

  

Other

  

asset

  

  

  

  

liability

  

  

  

  

  

debt

  

(S&P

  

  

  

  

(S&P

  

  

  

  

  

securities

  

Purchased

  

Servicing

  

Embedded

  

  

  

Level 3 Instruments Only

  

available-for-sale

  

Options)

  

assets

  

Options)

  

Total

  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance at beginning of year

  

$

 20,012 

  

$

 13,233 

  

$

 10,795 

  

$

 (12,707) 

  

$

 31,333 

    Gains (losses) included in earnings

  

  

 - 

  

  

 3,197 

  

  

 - 

  

  

 (5,039) 

  

  

 (1,842) 

    Changes in fair value of investment

        securities available for sale included

        in other comprehensive income

  

  

 (332) 

  

  

 - 

  

  

 - 

  

  

  

  

  

 (332) 

    New instruments acquired

  

  

 - 

  

  

 - 

  

  

 3,178 

  

  

 - 

  

  

 3,178 

    Principal repayments

  

  

 - 

  

  

 - 

  

  

 (951) 

  

  

 - 

  

  

 (951) 

    Amortization

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 2,010 

  

  

 2,010 

    Changes in fair value of servicing assets

  

  

 - 

  

  

 - 

  

  

 779 

  

  

 - 

  

  

 779 

Balance at end of year

  

$

 19,680 

  

$

 16,430 

  

$

 13,801 

  

$

 (15,736) 

  

$

 34,175 

 

  

Year Ended December 31, 2012

  

Investment securities available-for-sale

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Derivative

  

  

  

  

Derivative

  

  

  

  

  

  

  

  

  

  

  

  

asset

  

  

  

  

liability

  

  

  

  

  

  

  

  

  

  

Other

  

(S&P

  

  

  

  

(S&P

  

  

  

  

  

  

  

  

  

  

debt

  

Purchased

  

Servicing

  

Embedded

  

  

  

Level 3 Instruments Only

CDOs

  

CLOs

  

securities

  

Options)

  

assets

  

Options)

  

Total

  

(In thousands)

Balance at beginning of period

$

 10,530 

  

$

 26,758 

  

$

 10,024 

  

$

 9,317 

  

$

 10,454 

  

$

 (9,362) 

  

$

 57,721 

    Gains (losses) included in earnings

  

 - 

  

  

 (2,391) 

  

  

 - 

  

  

 3,916 

  

  

 - 

  

  

 (5,953) 

  

  

 (4,428) 

    Changes in fair value of investment

        securities available for sale included

        in other comprehensive income

  

 - 

  

  

 9,616 

  

  

 (11) 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 9,605 

    New instruments acquired

  

 - 

  

  

 - 

  

  

 10,000 

  

  

 - 

  

  

 1,867 

  

  

 - 

  

  

 11,867 

    Principal repayments

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 (1,107) 

  

  

 - 

  

  

 (1,107) 

    Amortization

  

 - 

  

  

 64 

  

  

 (1) 

  

  

 - 

  

  

 - 

  

  

 2,608 

  

  

 2,671 

    Sales of instruments

  

 (10,530) 

  

  

 (34,047) 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 (44,577) 

    Changes in fair value of servicing assets

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 (419) 

  

  

 - 

  

  

 (419) 

Balance at end of period

$

 - 

  

$

 - 

  

$

 20,012 

  

$

 13,233 

  

$

 10,795 

  

$

 (12,707) 

  

$

 31,333 

186

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

  

Year Ended December 31, 2011

  

Investment securities available-for-sale

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Derivative

  

  

  

  

Derivative

  

  

  

  

  

  

  

  

  

  

  

  

asset

  

  

  

  

liability

  

  

  

  

  

  

  

  

  

  

Other

  

(S&P

  

  

  

  

(S&P

  

  

  

  

  

  

  

  

  

  

debt

  

Purchased

  

Servicing

  

Embedded

  

  

  

Level 3 Instruments Only

CDOs

  

CLOs

  

securities

  

Options)

  

assets

  

Options)

  

Total

  

(In thousands)

Balance at beginning of period

$

 16,143 

  

$

 25,550 

  

$

 - 

  

$

 9,870 

  

$

 9,695 

  

$

 (12,830) 

  

$

 48,428 

    Gains (losses) included in earnings

  

 (15,018) 

  

  

 - 

  

  

 - 

  

  

 (977) 

  

  

 - 

  

  

 1,935 

  

  

 (14,060) 

    Changes in fair value of investment

        securities available for sale included

        in other comprehensive income

  

 9,405 

  

  

 1,011 

  

  

 23 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 10,439 

    New instruments acquired

  

 - 

  

  

 - 

  

  

 10,005 

  

  

 424 

  

  

 2,458 

  

  

 (405) 

  

  

 12,482 

    Principal repayments

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 (976) 

  

  

 - 

  

  

 (976) 

    Amortization

  

 - 

  

  

 197 

  

  

 (4) 

  

  

 - 

  

  

 - 

  

  

 1,938 

  

  

 2,131 

    Changes in fair value of servicing assets

  

 - 

  

  

 - 

  

  

 - 

  

  

 - 

  

  

 (723) 

  

  

 - 

  

  

 (723) 

Balance at end of period

$

 10,530 

  

$

 26,758 

  

$

 10,024 

  

$

 9,317 

  

$

 10,454 

  

$

 (9,362) 

  

$

 57,721 

 

During the years ended December 31, 2013, 2012 and 2011, there were purchases and sales of assets and liabilities measured at fair value on a recurring basis.  There were no transfers into and out of Level 1 and Level 2 fair value measurements during such periods.

 

The table below presents quantitative information for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) at December 31, 2013:

 

  

  

December 31, 2013

  

  

Fair Value

  

Valuation Technique

  

Unobservable Input

  

Range

  

  

(In thousands)

  

  

  

  

  

  

Investment securities

    available-for-sale:

  

  

  

  

  

  

  

  

  

    Other debt securities

  

$

 19,680 

  

Market comparable bonds

  

Indicative pricing

  

89.70% - 97.156%

  

  

  

  

  

  

  

Option adjusted spread

  

1258.0% - 1380.0%

  

  

  

  

  

  

  

Yield to maturity

  

12.481% - 14.0169%

  

  

  

  

  

  

  

Spread to maturity

  

1236.9% - 1385.1%

Derivative assets (S&P

    Purchased Options)

  

$

 16,430 

  

Option pricing model

  

Implied option volatility

  

23.735% - 56.271%

  

  

  

  

  

  

  

Counterparty credit risk

    (based on 5-year credit

    default swap ("CDS")

    spread)

  

66.720% - 91.80%

Servicing assets

  

$

 13,801 

  

Cash flow valuation

  

Constant prepayment rate

  

5.78% - 14.33%

  

  

  

  

  

  

  

Discount rate

  

10.00% - 12.00%

Derivative liability (S&P

    Embedded Options)

  

$

 (15,736) 

  

Option pricing model

  

Implied option volatility

  

23.735% - 56.271%

  

  

  

  

  

  

  

Counterparty credit risk (based on 5-year CDS spread)

  

66.720% - 91.80%

Collateral dependant

    impaired loans

  

$

 28,353 

  

Fair value of property

    or collateral

  

Appraised value less disposable costs

  

19.40% - 30.30%

  

  

  

  

  

  

  

  

  

  

187

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Information about Sensitivity to Changes in Significant Unobservable Inputs

 

Other debt securities – The significant unobservable inputs used in the fair value measurement of one of the Company’s other debt securities are indicative comparable pricing, option adjusted spread (“OAS”), yield to maturity, and spread to maturity. Significant changes in any of those inputs in isolation would result in a significantly different fair value measurement. Generally, a change in the assumption used for indicative comparable pricing is accompanied by a directionally opposite change in the assumption used for OAS and a directionally, although not equally proportional, opposite change in the assumptions used for yield to maturity and spread to maturity.

Derivative asset (S&P Purchased Options) – The significant unobservable inputs used in the fair value measurement of the Company’s derivative assets related to S&P purchased options are implied option volatility and counterparty credit risk. Significant changes in any of those inputs in isolation would result in a significantly different fair value measurement. Generally, a change in the assumption used for implied option volatility is not necessarily accompanied by directionally similar or opposite changes in the assumption used for counterparty credit risk.

Servicing assets – The significant unobservable inputs used in the fair value measurement of the Company’s servicing assets are constant prepayment rates and discount rates. Changes in one factor may result in changes in another (for example, increases in market interest rates may result in lower prepayments), which may magnify or offset the sensitivities. Mortgage banking activities, a component of total banking and financial service revenue in the consolidated statements of operations, include the changes from period to period in the fair value of the mortgage loan servicing rights, which may result from changes in the valuation model inputs or assumptions (principally reflecting changes in discount rates and prepayment speed assumptions) and other changes, including changes due to collection/realization of expected cash flows.

Derivative liability (S&P Embedded Options) – The significant unobservable inputs used in the fair value measurement of the Company’s derivative liability related to S&P purchased options are implied option volatility and counterparty credit risk. Significant changes in any of those inputs in isolation would result in a significantly different fair value measurement. Generally, a change in the assumption used for implied option volatility is not necessarily accompanied by directionally similar or opposite changes in the assumption used for counterparty credit risk.

 

The table below presents a detail of investment securities available-for-sale classified as Level 3 at December 31, 2013:

 

  

  

December 31, 2013

  

  

  

  

  

  

  

  

  

  

Weighted

  

  

  

  

Amortized

  

Unrealized

  

  

  

  

Average

  

Principal

Type

  

Cost

  

Gains (Losses)

  

Fair Value

  

Yield

  

Protection

  

  

(In thousands)

Other debt securities

  

$

 20,000 

  

$

 (320) 

  

$

 19,680 

  

3.50%

  

N/A
                           

 

Fair Value of Financial Instruments

 

The information about the estimated fair value of financial instruments required by GAAP is presented hereunder. The aggregate fair value amounts presented do not necessarily represent management’s estimate of the underlying value of the Company.

 

The estimated fair value is subjective in nature, involves uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could affect these fair value estimates. The fair value estimates do not take into consideration the value of future business and the value of assets and liabilities that are not financial instruments. Other significant tangible and intangible assets that are not considered financial instruments are the value of long-term customer relationships of retail deposits, and premises and equipment.

188

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The estimated fair value and carrying value of the Company’s financial instruments at December 31, 2013 and 2012 is as follows:

 

  

December 31,

  

2013

  

2012

  

Fair

  

Carrying

  

Fair

  

Carrying

  

Value

  

Value

  

Value

  

Value

  

(In thousands)

Level 1

  

  

  

  

  

  

  

  

  

  

  

Financial Assets:

  

  

  

  

  

  

  

  

  

  

  

    Cash and cash equivalents

$

 703,468 

  

$ 

 703,468 

  

$ 

 868,695 

  

$ 

 868,695 

Level 2

  

  

  

  

  

  

  

  

  

  

  

Financial Assets:

  

  

  

  

  

  

  

  

  

  

  

    Securities purchased under agreements to resell

  

 60,000 

  

  

 60,000 

  

  

 80,000 

  

  

 80,000 

    Trading securities

  

 1,869 

  

  

 1,869 

  

  

 495 

  

  

 495 

    Investment securities available-for-sale

  

 1,568,745 

  

  

 1,568,745 

  

  

 2,174,274 

  

  

 2,174,274 

    Federal Home Loan Bank (FHLB) stock

  

 24,450 

  

  

 24,450 

  

  

 38,411 

  

  

 38,411 

    Derivative assets

  

 4,072 

  

  

 4,072 

  

  

 - 

  

  

 - 

Financial Liabilities:

  

  

  

  

  

  

  

  

  

  

  

    Derivative liabilities

  

 14,937 

  

  

 14,937 

  

  

 26,260 

  

  

 26,260 

    Short term borrowings

  

 - 

  

  

 - 

  

  

 92,210 

  

  

 92,210 

Level 3

  

  

  

  

  

  

  

  

  

  

  

Financial Assets:

  

  

  

  

  

  

  

  

  

  

  

    Investment securities available-for-sale

  

 19,680 

  

  

 19,680 

  

  

 20,012 

  

  

 20,012 

    Total loans (including loans held-for-sale)

  

  

  

  

  

  

  

  

  

  

  

        Non-covered loans, net

  

 4,857,505 

  

  

 4,662,458 

  

  

 4,766,179 

  

  

 4,762,330 

        Covered loans, net

  

 433,444 

  

  

 356,961 

  

  

 489,885 

  

  

 395,307 

    Derivative assets

  

 16,430 

  

  

 16,430 

  

  

 13,233 

  

  

 13,233 

    FDIC shared-loss indemnification asset

  

 152,965 

  

  

 189,240 

  

  

 220,142 

  

  

 302,295 

    Accrued interest receivable

  

 18,734 

  

  

 18,734 

  

  

 14,654 

  

  

 14,654 

    Servicing assets

  

 13,801 

  

  

 13,801 

  

  

 10,795 

  

  

 10,795 

Financial Liabilities:

  

  

  

  

  

  

  

  

  

  

  

    Deposits

  

 5,409,540 

  

  

 5,383,265 

  

  

 5,797,097 

  

  

 5,690,579 

    Securities sold under agreements to repurchase

  

 1,323,903 

  

  

 1,267,618 

  

  

 1,741,272 

  

  

 1,695,247 

    Advances from FHLB

  

 335,324 

  

  

 336,143 

  

  

 538,355 

  

  

 536,542 

    Federal funds purchased

  

 - 

  

  

 - 

  

  

 9,901 

  

  

 9,901 

    Term notes

  

 3,638 

  

  

 3,663 

  

  

 7,912 

  

  

 6,726 

    Subordinated capital notes

  

 99,316 

  

  

 100,010 

  

  

 146,415 

  

  

 146,038 

    Accrued expenses and other liabilities

  

 144,424 

  

  

 144,424 

  

  

 117,653 

  

  

 117,653 

189

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

The following methods and assumptions were used to estimate the fair values of significant financial instruments at December 31, 2013 and 2012:

 

•     Cash and cash equivalents (including money market investments and time deposits with other banks), accrued interest receivable, securities purchased under agreements to resell, securities sold but not yet delivered, accrued expenses and other liabilities have been valued at the carrying amounts reflected in the consolidated statements of financial condition as these are reasonable estimates of fair value given the short-term nature of the instruments.

 

•     Investments in FHLB-NY stock are valued at their redemption value.

 

•     The fair value of investment securities, including trading securities, is based on quoted market prices, when available, or market prices provided by recognized broker-dealers. If listed prices or quotes are not available, fair value is based upon externally developed models that use both observable and unobservable inputs depending on the market activity of the instrument. The estimated fair value of the structured credit investments is determined by using a third-party cash flow valuation model to calculate the present value of projected future cash flows. The assumptions used which are highly uncertain and require a high degree of judgment, include primarily market discount rates, current spreads, duration, leverage, default, home price depreciation, and loss rates. The assumptions used are drawn from a wide array of data sources, including the performance of the collateral underlying each deal. The external-based valuation, which is obtained at least on a quarterly basis, is analyzed and its assumptions are evaluated and incorporated in either an internal-based valuation model when deemed necessary, or compared to counterparties’ prices and agreed by management.

 

•     The fair value of the FDIC shared-loss indemnification asset represents the present value of the net estimated cash payments expected to be received from the FDIC for future losses on covered assets based on the credit assumptions on estimated cash flows for each covered asset pool and the loss sharing percentages. The ultimate collectability of the FDIC shared-loss indemnification asset is dependent upon the performance of the underlying covered loans, the passage of time and claims paid by the FDIC which are impacted by the Bank’s adherence to certain guidelines established by the FDIC.

 

•     The fair value of servicing assets is estimated by using a cash flow valuation model which calculates the present value of estimated future net servicing cash flows, taking into consideration actual and expected loan prepayment rates, discount rates, servicing costs, and other economic factors, which are determined based on current market conditions.

 

•     The fair values of the derivative instruments are provided by valuation experts and counterparties. Certain derivatives with limited market activity are valued using externally developed models that consider unobservable market parameters. The Company has offered its customers certificates of deposit with an option tied to the performance of the S&P Index, and uses equity indexed option agreements with major broker-dealers to manage its exposure to changes in this index. Their fair value is obtained through the use of an external based valuation that was thoroughly evaluated and adopted by management as its measurement tool for these options. The payoff of these options is linked to the average value of the S&P Index on a specific set of dates during the life of the option. The methodology uses an average rate option or a cash-settled option whose payoff is based on the difference between the expected average value of the S&P Index during the remaining life of the option and the strike price at inception. The assumptions, which are uncertain and require a degree of judgment, include primarily S&P Index volatility, forward interest rate projections, estimated index dividend payout, and leverage.

 

•     Fair value of derivative liabilities, which include interest rate swaps and forward-settlement swaps, are based on the net discounted value of the contractual projected cash flows of both the pay-fixed receive-variable legs of the contracts. The projected cash flows are based on the forward yield curve, and discounted using current estimated market rates.

 

•     The fair value of the covered and non-covered loan portfolio (including loans held-for-sale) is estimated by segregating by type, such as mortgage, commercial, consumer, auto and  leasing. Each loan segment is further segmented into fixed and adjustable interest rates and by performing and non-performing categories. The fair value of performing loans is calculated by discounting contractual cash flows, adjusted for prepayment estimates (voluntary and involuntary), if any, using estimated current market discount rates that reflect the credit and interest rate risk inherent in the loan. This fair value is not currently an indication of an exit price as that type of assumption could result in a different fair value estimate.

 

•     The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is based on the discounted value of the contractual cash flows, using estimated current market discount rates for deposits of similar remaining maturities.

 

190

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

•     For short term borrowings and federal funds purchased, the carrying amount is considered a reasonable estimate of fair value. The fair value of long-term borrowings, which include securities sold under agreements to repurchase, advances from FHLB-NY, FDIC-guaranteed term notes, other term notes, and subordinated capital notes, is based on the discounted value of the contractual cash flows using current estimated market discount rates for borrowings with similar terms, remaining maturities and put dates.

 

•     The fair value of commitments to extend credit and unused lines of credit is based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standings.

 

NOTE 23 –  BUSINESS SEGMENTS   

 

The Company segregates its businesses into the following major reportable segments of business: Banking, Financial Services, and Treasury. Management established the reportable segments based on the internal reporting used to evaluate performance and to assess where to allocate resources. Other factors such as the Company’s organization, nature of its products, distribution channels and economic characteristics of the products were also considered in the determination of the reportable segments. The Company measures the performance of these reportable segments based on pre-established goals of different financial parameters such as net income, net interest income, loan production, and fees generated. The Company’s methodology for allocating non-interest expenses among segments is based on several factors such as revenue, employee headcount, occupied space, dedicated services or time, among others. These factors are reviewed on a periodical basis and may change if the conditions warrant. 

 

Banking includes the Bank’s branches and traditional banking products such as deposits and commercial, consumer and mortgage loans. Mortgage banking activities are carried out by the Bank’s mortgage banking division, whose principal activity is to originate mortgage loans for the Company’s own portfolio. As part of its mortgage banking activities, the Company may sell loans directly into the secondary market or securitize conforming loans into mortgage-backed securities.

 

Financial Services is comprised of the Bank’s trust division, Oriental Financial Services, Oriental Insurance, and CPC. The core operations of this segment are financial planning, money management and investment banking, brokerage services, insurance sales activity, corporate and individual trust and retirement services, as well as pension plan administration services.

 

The Treasury segment encompasses all of the Company’s asset/liability management activities, such as purchases and sales of investment securities, interest rate risk management, derivatives, and borrowings. Intersegment sales and transfers, if any, are accounted for as if the sales or transfers were to third parties, that is, at current market prices.

191

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

Following are the results of operations and the selected financial information by operating segment as of and for the years ended December 31, 2013, 2012 and 2011:

 

  

Year Ended December 31, 2013

  

  

  

  

Financial

  

  

  

  

Total Major

  

  

  

  

Consolidated

  

Banking

  

Services

  

Treasury

  

Segments

  

Eliminations

  

Total

  

(In thousands)

Interest income

$

 445,363 

  

$

 354 

  

$

 47,915 

  

$

 493,632 

  

$

 - 

  

$

 493,632 

Interest expense

  

 (42,044) 

  

  

 - 

  

  

 (41,916) 

  

  

 (83,960) 

  

  

 - 

  

  

 (83,960) 

Net interest income

  

 403,319 

  

  

 354 

  

  

 5,999 

  

  

 409,672 

  

  

 - 

  

  

 409,672 

Provision for non-covered

   loan and lease losses

  

 (67,559) 

  

  

 - 

  

  

 - 

  

  

 (67,559) 

  

  

 - 

  

  

 (67,559) 

Provision for covered

   loan and lease losses

  

 (5,335) 

  

  

 - 

  

  

 - 

  

  

 (5,335) 

  

  

 - 

  

  

 (5,335) 

Non-interest income (loss)

  

 (17,020) 

  

  

 30,614 

  

  

 3,919 

  

  

 17,513 

  

  

 - 

  

  

 17,513 

Non-interest expenses

  

 (222,826) 

  

  

 (26,603) 

  

  

 (15,125) 

  

  

 (264,554) 

  

  

 - 

  

  

 (264,554) 

Intersegment revenue

  

 618 

  

  

 - 

  

  

 1,195 

  

  

 1,813 

  

  

 (1,813) 

  

  

 - 

Intersegment expenses

  

 - 

  

  

 (1,813) 

  

  

 - 

  

  

 (1,813) 

  

  

 1,813 

  

  

 - 

Income before income taxes

$

 91,197 

  

$

 2,552 

  

$

 (4,012) 

  

$

 89,737 

  

$

 - 

  

$

 89,737 

Total assets

$

 7,010,406 

  

$

 23,280 

  

$

 2,253,558 

  

$

 9,287,244 

  

$

 (1,129,229) 

  

$

 8,158,015 

 

  

Year Ended December 31, 2012

  

  

  

  

Financial

  

  

  

  

Total Major

  

  

  

  

Consolidated

  

Banking

  

Services

  

Treasury

  

Segments

  

Eliminations

  

Total

  

(In thousands)

Interest income

$

 165,492 

  

$

 - 

  

$

 95,316 

  

$

 260,808 

  

$

 - 

  

$

 260,808 

Interest expense

  

 (22,232) 

  

  

 - 

  

  

 (81,286) 

  

  

 (103,518) 

  

  

 - 

  

  

 (103,518) 

Net interest income

  

 143,260 

  

  

 - 

  

  

 14,030 

  

  

 157,290 

  

  

 - 

  

  

 157,290 

Provision for non-covered loan and lease losses

  

 (13,854) 

  

  

 - 

  

  

 - 

  

  

 (13,854) 

  

  

 - 

  

  

 (13,854) 

Provision for covered loan and lease losses, net

  

 (9,827) 

  

  

 - 

  

  

 - 

  

  

 (9,827) 

  

  

 - 

  

  

 (9,827) 

Non-interest income

  

 (5,662) 

  

  

 25,155 

  

  

 6,786 

  

  

 26,279 

  

  

 - 

  

  

 26,279 

Non-interest expenses

  

 (90,407) 

  

  

 (28,718) 

  

  

 (12,907) 

  

  

 (132,032) 

  

  

 - 

  

  

 (132,032) 

Intersegment revenue

  

 1,594 

  

  

 - 

  

  

 - 

  

  

 1,594 

  

  

 (1,594) 

  

  

 - 

Intersegment expenses

  

 - 

  

  

 (1,183) 

  

  

 (411) 

  

  

 (1,594) 

  

  

 1,594 

  

  

 - 

Income before income taxes

$

 25,104 

  

$

 (4,746) 

  

$

 7,498 

  

$

 27,856 

  

$

 - 

  

$

 27,856 

Total assets

$

 3,223,963 

  

$

 18,875 

  

$

 6,839,661 

  

$

 10,082,499 

  

$

 (870,741) 

  

$

 9,211,758 

 

  

Year Ended December 31, 2011

  

  

  

  

Financial

  

  

  

  

Total Major

  

  

  

  

Consolidated

  

Banking

  

Services

  

Treasury

  

Segments

  

Eliminations

  

Total

  

(In thousands)

Interest income

$

 136,294 

  

$

 - 

  

$

 161,001 

  

$

 297,295 

  

$

 - 

  

$

 297,295 

Interest expense

  

 (33,110) 

  

  

 - 

  

  

 (123,252) 

  

  

 (156,362) 

  

  

 - 

  

  

 (156,362) 

Net interest income

  

 103,184 

  

  

 - 

  

  

 37,749 

  

  

 140,933 

  

  

 - 

  

  

 140,933 

Provision for non-covered loan and lease losses

  

 (15,200) 

  

  

 - 

  

  

 - 

  

  

 (15,200) 

  

  

 - 

  

  

 (15,200) 

Recapture of covered loan and lease losses, net

  

 1,387 

  

  

 - 

  

  

 - 

  

  

 1,387 

  

  

 - 

  

  

 1,387 

Non-interest income

  

 16,647 

  

  

 20,917 

  

  

 (5,109) 

  

  

 32,455 

  

  

 - 

  

  

 32,455 

Non-interest expenses

  

 (95,582) 

  

  

 (18,113) 

  

  

 (10,564) 

  

  

 (124,259) 

  

  

 - 

  

  

 (124,259) 

Intersegment revenue

  

 1,431 

  

  

 - 

  

  

 - 

  

  

 1,431 

  

  

 (1,431) 

  

  

 - 

Intersegment expenses

  

 - 

  

  

 (937) 

  

  

 (494) 

  

  

 (1,431) 

  

  

 1,431 

  

  

 - 

Income before income taxes

$

 11,867 

  

$

 1,867 

  

$

 21,582 

  

$

 35,316 

  

$

 - 

  

$

 35,316 

Total assets

$

 3,391,251 

  

$

 14,557 

  

$

 3,995,279 

  

$

 7,401,087 

  

$

 (696,107) 

  

$

 6,704,980 

192

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

 

NOTE 24 – OFG BANCORP (HOLDING COMPANY ONLY) FINANCIAL INFORMATION

 

As a bank holding company subject to the regulations and supervisory guidance of the Federal Reserve Board, the Company generally should inform the Federal Reserve Board and eliminate, defer or significantly reduce its dividends if: (i) its net income available to shareholders for the past four quarters, net of dividends previously paid during that period, is not sufficient to fully fund the dividends; (ii) its prospective rate of earnings retention is not consistent with its capital needs and overall current and prospective financial condition; or (iii) it will not meet, or is in danger of not meeting, its minimum regulatory capital adequacy ratios.  The payment of dividends by the Bank to the Company may also be affected by other regulatory requirements and policies, such as the maintenance of certain regulatory capital levels. During the year ended December 31, 2013, Oriental Insurance and Oriental Financial Services paid $12.4 million, and $3.2 million, respectively, in dividends to the Company. During the year ended December 31, 2012, the Bank paid $385.0 million in dividends to the Company.  During the year ended December 31, 2011, the Bank and Oriental Insurance paid $85.0 million and $2.0 million in dividends to the Company, respectively.

 

The following condensed financial information presents the financial position of the holding company only as of December 31, 2013 and 2012, and the results of its operations and its cash flows for the years ended December 31, 2013, 2012 and 2011:

 

OFG BANCORP

CONDENSED STATEMENTS OF FINANCIAL POSITION INFORMATION

(Holding Company Only)

 

  

  

  

December 31, 

  

  

2013 

  

2012 

  

  

(In thousands) 

ASSETS

  

  

  

  

  

  

Cash and cash equivalents

  

$ 

 29,557 

  

$ 

 34,521 

 Investment securities available-for-sale, at fair value

  

  

 9,373 

  

  

 14,709 

Other investment securities

  

  

 62 

  

  

 69 

Investment in bank subsidiary, equity method

  

  

 869,624 

  

  

 822,354 

Investment in nonbank subsidiaries, equity method

  

  

 19,477 

  

  

 31,508 

Due from bank subsidiary, net

  

  

 667 

  

  

 3,128 

Other assets

  

  

 2,062 

  

  

 2,166 

                Total assets

  

$ 

 930,822 

  

$ 

 908,455 

LIABILITIES AND STOCKHOLDERS’ EQUITY

  

  

  

  

  

  

Dividend payable

  

  

 7,120 

  

  

 6,034 

 Deferred tax liabilities, net

  

  

 28 

  

  

 102 

 Due to affiliates

  

  

 227 

  

  

 - 

 Accrued expenses and other liabilities

  

  

 2,451 

  

  

 2,630 

Subordinated capital notes

  

  

 36,083 

  

  

 36,083 

            Total liabilities

  

  

 45,909 

  

  

 44,849 

             Stockholders’ equity

  

  

 884,913 

  

  

 863,606 

            Total liabilities and stockholders’ equity

  

$ 

 930,822 

  

$ 

 908,455 

193

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

OFG BANCORP

CONDENSED STATEMENTS OF OPERATIONS INFORMATION

(Holding Company Only)

 

  

Year Ended December 31, 

  

2013

  

2012

  

  

2011 

  

(In thousands)

Income (loss):

  

  

  

  

  

  

  

  

Interest income

$

 400 

  

$

 728 

  

$

 3,564 

Loss on early extinguishment of repurchase agreements

  

 - 

  

  

 - 

  

  

 (4,790) 

Gain on sale of securities

  

 - 

  

  

 - 

  

  

 4,005 

Investment trading activities, net and other

  

 3,668 

  

  

 4,339 

  

  

 5,393 

        Total income

  

 4,068 

  

  

 5,067 

  

  

 8,172 

Expenses:

  

  

  

  

  

  

  

  

 Interest expense

  

 1,219 

  

  

 1,284 

  

  

 4,050 

Operating expenses

  

 6,003 

  

  

 1,935 

  

  

 7,767 

        Total expenses

  

 7,222 

  

  

 3,219 

  

  

 11,817 

(Loss) income before income taxes

  

 (3,154) 

  

  

 1,848 

  

  

 (3,645) 

 Income tax benefit

  

 (2) 

  

  

 - 

  

  

 (2,107) 

(Loss) income before changes in undistributed earnings of subsidiaries

  

 (3,156) 

  

  

 1,848 

  

  

 (5,752) 

Bank subsidiary

  

 98,133 

  

  

 19,654 

  

  

 38,474 

Nonbank subsidiaries

  

 3,469 

  

  

 3,053 

  

  

 1,728 

Net income

$

 98,446 

  

$

 24,555 

  

$

 34,450 

 

OFG BANCORP

CONDENSED STATEMENTS OF COMPREHENSIVE INCOME INFORMATION

(Holding Company Only)

 

  

  

  

  

  

  

  

  

  

  

Year ended December 31,

  

2013 

  

2012 

  

2011 

  

(In thousands)

Net income

$

 98,446 

  

$

 24,555 

  

$

 34,450 

Other comprehensive income (loss) before tax:

  

  

  

  

  

  

  

  

     Unrealized gain (loss) on securities available-for-sale

  

 (519) 

  

  

 683 

  

  

 2,160 

     Realized gain on investment securities included in net income

  

 - 

  

  

 - 

  

  

 (4,005) 

     Other comprehensive income (loss) from bank subsidiary

  

 (52,249) 

  

  

 18,169 

  

  

 1,712 

Other comprehensive income (loss) before taxes

  

 (52,768) 

  

  

 18,852 

  

  

 (133) 

     Income tax effect

  

 79 

  

  

 (103) 

  

  

 277 

Other comprehensive income (loss) after taxes

  

 (52,689) 

  

  

 18,749 

  

  

 144 

Comprehensive income

$

 45,757 

  

$

 43,304 

  

$

 34,594 

194

 

 

OFG BANCORP

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (Continued)

OFG BANCORP

CONDENSED STATEMENTS OF CASH FLOWS INFORMATION

(Holding Company Only)

 

  

  

  

  

  

  

  

  

  

  

Year Ended December 31, 

  

2013 

  

2012 

  

2011 

  

(In thousands)

Cash flows from operating activities:

  

  

  

  

  

  

  

  

     Net income

$

 98,446 

  

$

 24,555 

  

$

 34,450 

     Adjustments to reconcile net income to net cash provided by (used in) operating activities:

  

  

  

  

  

  

  

  

        Equity in undistributed earnings from banking subsidiary

  

 (98,133) 

  

  

 (19,654) 

  

  

 (38,474) 

        Equity in undistributed earnings from nonbanking subsidiaries

  

 (3,469) 

  

  

 (3,053) 

  

  

 (1,728) 

        Amortization of investment securities premiums, net of accretion of discounts

  

 141 

  

  

 141 

  

  

 115 

        Loss on early extinguishment of repurchase agreements

  

 - 

  

  

 - 

  

  

 4,790 

        Realized gain on sale of securities

  

 - 

  

  

 - 

  

  

 (4,005) 

        Other impairments on securities

  

 7 

  

  

 4 

  

  

 77 

        Stock-based compensation

  

 1,823 

  

  

 1,552 

  

  

 1,310 

        Deferred income tax, net

  

 2,272 

  

  

 554 

  

  

 2,107 

        Net (increase) decrease in other assets

  

 11 

  

  

 50 

  

  

 (275) 

        Net increase (decrease) in accrued expenses, other liabilities, and dividend payable

  

 (2,051) 

  

  

 756 

  

  

 (1,636) 

               Net cash provided by (used in) operating activities

  

 (953) 

  

  

 4,905 

  

  

 (3,269) 

Cash flows from investing activities:

  

  

  

  

  

  

  

  

        Purchases of investment securities available-for-sale

  

 - 

  

  

 - 

  

  

 (19,429) 

        Purchases of investment securities held-to-maturity

  

 - 

  

  

 - 

  

  

 (12,702) 

        Maturities and redemptions of investment securities  available-for-sale

  

 4,676 

  

  

 - 

  

  

 31,493 

        Maturities and redemptions of investment securities  held-to-maturity

  

 - 

  

  

 4,709 

  

  

 1,920 

        Proceeds from sales of investment securities  available-for-sale

  

 - 

  

  

 - 

  

  

 96,221 

        Net (increase) decrease in due from bank subsidiary, net

  

 2,461 

  

  

 (2,935) 

  

  

 127 

        Cash consideration paid for BBVAPR acquisition

  

 - 

  

  

 (500,000) 

  

  

 - 

        Capital contribution to banking subsidiary

  

 (1,385) 

  

  

 (3,019) 

  

  

 - 

        Capital contribution to non-banking subsidiary

  

 (99) 

  

  

 (1,237) 

  

  

 - 

        Dividends from banking subsidiary

  

 - 

  

  

 385,000 

  

  

 85,000 

        Dividends from non-banking subsidiary

  

 15,600 

  

  

 - 

  

  

 2,000 

             Net cash provided by (used in) investing activities

  

 21,253 

  

  

 (117,482) 

  

  

 184,630 

Cash flows from financing activities:

  

  

  

  

  

  

  

  

        Net decrease in securities sold under agreements to repurchase

  

 - 

  

  

 - 

  

  

 (104,790) 

        Proceeds from (payments to) exercise of stock options and lapsed restricted units, net

  

 (572) 

  

  

 394 

  

  

 8 

        Proceeds from issuance of common stock, net

  

 (25) 

  

  

 49,220 

  

  

 - 

        Proceeds from issuance of preferred stock, net

  

 (16) 

  

  

 100,547 

  

  

 - 

        Purchase of treasury stock

  

 - 

  

  

 (7,022) 

  

  

 (58,775) 

        Dividends paid

  

 (24,651) 

  

  

 (16,447) 

  

  

 (13,800) 

             Net cash provided by (used in) financing activities

  

 (25,264) 

  

  

 126,692 

  

  

 (177,357) 

Net change in cash and cash equivalents

  

 (4,964) 

  

  

 14,115 

  

  

 4,004 

Cash and cash equivalents at beginning of year

  

 34,521 

  

  

 20,406 

  

  

 16,402 

Cash and cash equivalents at end of year

$

 29,557 

  

$

 34,521 

  

$

 20,406 

195

 

 

   

ITEM 9.     CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

 

Not applicable.

 

ITEM 9A.      CONTROLS AND PROCEDURES

 

Disclosure Controls and Procedures

 

The Company’s management is responsible for establishing and maintaining effective disclosure controls and procedures, as defined in Rules 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934. As of December 31, 2013, an evaluation was carried out under the supervision and with the participation of the Company’s management, including the Chief Executive Officer (“CEO”) and the Chief Financial Officer (“CFO”), of the effectiveness of the design and operation of the Company’s disclosure controls and procedures. Based upon such evaluation, the CEO and CFO have concluded that, as of the end of the period covered by this annual report on Form 10-K, the Company’s disclosure controls and procedures provided reasonable assurance of effectiveness in recording, processing, summarizing and reporting, on a timely basis, information required to be disclosed by the Company in the reports that it files or submits under the Securities Exchange Act of 1934. Notwithstanding the foregoing, a control system, no matter how well designed and operated, can provide only reasonable, not absolute, assurance that it will detect or uncover failures within the Company to disclose material information otherwise required to be set forth in the Company’s periodic reports.

Management’s Annual Report on Internal Control over Financial Reporting

The Management’s Annual Report on Internal Control over Financial Reporting is included in Item 8 of this report.

Report of the Registered Public Accounting Firm

The registered public accounting firm’s report on the Company’s internal control over financial reporting is included in Item 8 of this report.

Changes in Internal Control over Financial Reporting

There have not been any changes in the Company’s internal control over financial reporting (as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) during the last quarter of the year ended December 31, 2013, that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

ITEM 9B.      OTHER INFORMATION

 

None.

196

 

 

   

PART III

 

Items 10 through 14 are incorporated herein by reference to the Company’s definitive proxy statement to be filed with the SEC no later than 120 days after the end of the fiscal year covered by this report, except with respect to the information set forth below under Item 12.

 

197

 

 

   

ITEM 12.   SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS  

The Company’s 2007 Omnibus Performance Incentive Plan, as amended and restated (the “Omnibus Plan”), provides for equity-based compensation incentives through the grant of stock options, stock appreciation rights, restricted stock, restricted units and dividend equivalents, as well as equity-based performance awards. The Omnibus Plan was adopted in 2007, amended and restated in 2008, and further amended in 2010. It replaced and superseded the Company’s 1996, 1998 and 2000 Incentive Stock Option Plans (the “Stock Option Plans”). All outstanding stock options under the Stock Option Plans continue in full force and effect, subject to their original terms and conditions.

198

 

 

   

 

The following table shows certain information pertaining to the awards under the Omnibus Plan and the Stock Option Plans as of December 31, 2013:

 

  

(a)

  

(b)

  

(c)

  

  

  

  

  

Number of Securities

  

Number of Securities to be

  

Weighted-Average

  

Remaining Available for

  

Issued Upon Exercise of

  

Exercise Price of

  

Future Issuance Under Equity

  

Outstanding Options,

  

Outstanding Options,

  

Compensation Plans (excluding

  

Warrants and Rights

  

Warrants and Rights

  

those reflected in column (a))

  

  

  

  

  

  

  

  

  

Plan Category

  

  

  

  

  

  

  

  

Equity compensation plans approved by shareholders:

  

  

  

  

  

  

  

  

      Omnibus Plan

  

 807,068 

(1) 

$

 10.05 

(2) 

$

 1,325,643 

      Stock Option Plans

  

 262,200 

  

  

 19.14 

(2) 

  

 - 

  

  

 1,069,268 

  

$

 11.95 

  

  

 1,325,643 

  

  

  

  

  

  

  

  

  

(1)    Includes 645,918 stock options and 161,150 restricted stock units.

(2)    Exercise price related to stock options.

 

The Company recorded approximately $1.823 million, $1.552 million and $1.317 million related to stock-based compensation expense during the years ended December 31, 2013, 2012 and 2011, respectively.

Other information required by this Item is incorporated herein by reference to the Company’s definitive proxy statement to be filed with the SEC no later than 120 days after the end of the fiscal year covered by this report.

 

PART IV

ITEM 15.    EXHIBITS AND FINANCIAL STATEMENT SCHEDULES  

The following financial statements are filed as part of this report under Item 8 — Financial Statements and Supplementary Data.

 

Management’s Report on Internal Control Over Financial Reporting

 

Financial Statements:

 

Reports of Independent Registered Public Accounting Firm

 

 

 

Report of Independent Registered Public Accounting Firm on Internal Control over Financial Reporting

 

Consolidated Statements of Financial Condition as of December 31, 2013 and 2012

 

Consolidated Statements of Operations for the years ended December 31, 2013, 2012 and 2011

 

Consolidated Statements of Comprehensive Income for the years ended December 31, 2013, 2012 and 2011

 

Consolidated Statements of Changes in Stockholders’ Equity for the years ended December 31, 2013, 2012 and 2011

 

Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012 and 2011

 

Notes to the Consolidated Financial Statements

 

Financial Statement Schedules

No schedules are presented because the information is not applicable or is included in the accompanying consolidated financial statements or in the notes thereto described above.

 

199

 

 

   

Exhibits

 

 

 

Exhibit No.:

 

Description Of Document:

 

 

 

2.1

Purchase and Assumption Agreement — Whole Bank, All Deposits, dated as of April 30, 2010, among the Federal Deposit Insurance Corporation, Receiver of Eurobank, San Juan, Puerto Rico, the Federal Deposit Insurance Corporation, and Oriental Bank and Trust.(1) 
   

2.2

Acquisition Agreement dated as of June 28, 2012 between the Company and BBVA relating to the purchase and sale of 100% of the Common Stock of BBVAPR Holding and BBVA Securities.(2) 
   

 

 

3.1

Certificate of Incorporation, as amended.(3) 

 

 

3.2

By-Laws.(4) 

 

 

4.1

Certificate of Designation of the 7.125% Noncumulative Monthly Income Preferred Stock, Series A.(5) 

 

 

4.2

Certificate of Designation of the 7.0% Noncumulative Monthly Income Preferred Stock, Series B.(6) 

 

 

4.3

Certificate of Designations of 8.750% Non-Cumulative Convertible Perpetual Preferred Stock, Series C.(7) 

 

 

4.4

Certificate of Designations of 7.125% Non-Cumulative Perpetual Preferred Stock, Series D.(8) 

 

 

4.5

Form of Certificate for the 7.125% Noncumulative Monthly Income Preferred Stock, Series A.(9) 
   

4.6

Form of Certificate for the 7.0% Noncumulative Monthly Income Preferred Stock, Series B.(10) 
   

4.7

Form of Certificate for the 8.750% Non-Cumulative Convertible Perpetual Preferred Stock, Series C. (7)
   

4.8

Form of Certificate for the 7.125% Non-Cumulative Perpetual Preferred Stock, Series D.(8) 
   

10.1

Service Agreement, dated January 3, 2011, between BBVAPR Bank and Aplica Tecnología Avanzada, Sociedad Anónima de Capital Variable. (11)    
   

10.2

Amendment to Service Agreement, dated December 18, 2012, between BBVAPR Bank and Aplica Tecnología Avanzada, Sociedad Anónima de Capital Variable. (12)    
   

10.3

Subscription Agreement, dated June 28, 2012, between the Company and each of the purchasers of the Convertible Preferred Stock.(13) 
   

10.4

Omnibus Asset Servicing Agreement, dated as of June 9, 2010, between the Bank and Bayview Loan Servicing, LLC.(14) 
   

10.5

Lease Agreement between the Company and Professional Office Park V, Inc.(15) 
   

10.6

First Amendment to Lease Agreement Dated May 18, 2004, between  the Company and Professional Office Park V, Inc.(16) 
   

10.7

Change in Control Compensation Agreement between the Company and José R. Fernández(17) 
   

10.8

Change in Control Compensation Agreement between the Company and Norberto González(18) 
   

10.9

Change in Control Compensation Agreement between the Company and Ganesh Kumar(19) 
   

10.10

Technology Outsourcing Agreement between the Company and Metavante Corporation(20) 
   

10.11

Amended and Restated 2007 Omnibus Performance Incentive Plan(21) 
   

10.12

Form of qualified stock option award and agreement(22) 
   

10.13

Form of restricted stock award and agreement(23) 
   

10.14

Form of restricted unit award and agreement(24) 
   

10.15

Employment Agreement between the Company and José R. Fernández(25) 
   

10.16

Amendment to Technology Outsourcing Agreement between the Company and Metavante Corporation.
   

12.1

Computation of Ratios of Earnings to Combined Fixed Charges and Preferred Stock Dividends (included in Item 6 hereof).
   

21.1

List of subsidiaries
   

23.1

Consent of KPMG LLP
   

31.1

Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
   

31.2

Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
   

32.1

Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
   

32.2

Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
   

101.1

The following materials from the Company’s annual report on Form 10-K for the year ended December 31, 2012, formatted in XBRL (eXtensible Business Reporting Language): (i) Consolidated Statements of Financial Condition, (ii) Consolidated Statements of Operations, (iii) Consolidated Statements of Changes in Stockholders’ Equity, (iv) Consolidated Statements of Comprehensive Income, and (v) Consolidated Statements of Cash Flow.

200

 

 

   

 

(1)       Incorporated herein by reference to Exhibit 2.1 of the Company’s current report on Form 8-K filed with the SEC on May 6, 2010.

(2)       Incorporated herein by reference to Exhibit 2.1 of the Company’s current report on Form 8-K filed with the SEC on July 3, 2012.

(3)    Incorporated herein by reference to Exhibit 3.1 of the Company’s quarterly report on form 10-Q filed with the SEC on August 10, 2010.

(4)    Incorporated herein by reference to Exhibit 3(ii) of the Company’s current report on Form 8-K filed with the SEC on June 23, 2008.

(5)    Incorporated herein by reference to Exhibit 4.1 of the Company’s registration statement on Form 8-A filed with the SEC on April 30, 1999.

(6)    Incorporated herein by reference to Exhibit 4.1 of the Company’s registration statement on Form 8-A filed with the SEC on September 26, 2003.

(7)    Incorporated herein by reference to Exhibit 3.1 of the Company’s current report on Form 8-K filed with the SEC on July 3, 2012.  

(8)    Incorporated herein by reference to Exhibit 3.1 of the Company’s current report on Form 8-K filed with the SEC on November 8, 2012.

(9)    Incorporated herein by reference to Exhibit 4.2 of the Company’s registration statement on Form S-3 filed with the SEC on April 2, 1999.

(10)   Incorporated herein by reference to Exhibit 4.2 of the Company’s registration statement on Form S-3, as amended, filed with the SEC on September 23, 2003.

(11)  Incorporated by reference to Exhibit 10.2 of the Company’s annual report on Form 10-K filed with the SEC on March 14, 2013.

(12)  Incorporated by reference to Exhibit 10.3 of the Company’s annual report on Form 10-K filed with the SEC on March 14, 2013.

(13)   Incorporated herein by reference to Exhibit 10.1 of the Company’s quarterly report on Form 10-Q filed with the SEC on August 3, 2012.

(14)   Incorporated herein by reference to Exhibit 10.1 of the Company’s current report on Form 8-K filed with the SEC on June 14, 2010.

(15)   Incorporated herein by reference to Exhibit 10.5 of the Company’s annual report on Form 10-K filed with the SEC on September 13, 2005.

(16)   Incorporated herein by reference to Exhibit 10.6 of the Company’s annual report on Form 10-K filed with the SEC on September 13, 2005.

(17)   Incorporated herein by reference to Exhibit 10.12 of the Company’s annual report on Form 10-K filed with the SEC on September 13, 2005.

(18)   Incorporated herein by reference to Exhibit 10.13 of the Company’s annual report on Form 10-K filed with the SEC on September 13, 2005.

(19)   Incorporated herein by reference to Exhibit 10.14 of the Company’s annual report on Form 10-K filed with the SEC on September 13, 2005.

 (20)  Incorporated herein by reference to Exhibit 10.23 of the Company’s annual report on Form 10-K filed with the SEC on March 28, 2007.

(21)   Incorporated herein by reference to Exhibit 4.1 of the Company’s registration statement on Form S-8 filed with the SEC on October 21, 2010 (No. 333-170064).

(22)   Incorporated herein by reference to Exhibit 10.1 of the Company’s registration statement on Form S-8 filed with the SEC on November 30, 2007.

(23)   Incorporated herein by reference to Exhibit 10.2 of the Company’s registration statement on Form S-8 filed with the SEC on November 30, 2007.

(24)   Incorporated herein by reference to Exhibit 10.27 of the Company’s annual report on Form 10-K filed with the SEC on March 16, 2009.

(25)   Incorporated herein by reference to Exhibit 10 of the Company’s quarterly report on Form 10-Q filed with the SEC on November 12, 2013.

201

 

 

   

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

OFG BANCORP

 

 

 

 

 

 

By:

/s/    José Rafael Fernández

 

 

Dated: March 3, 2014

José Rafael Fernández

 

 

 

President and Chief Executive Officer

 

 

 

 

 

 

 

 

By:

/s/    Ganesh Kumar

 

 

Dated: March 3, 2014

Ganesh Kumar

 

 

 

Executive Vice President and Chief Financial Officer

 

 

 

 

 

 

 

 

By:

/s/    César A. Ortiz

 

 

Dated: March 3, 2014

César A. Ortiz

 

 

 

Senior Vice President and Chief Accounting Officer

 

 

 

 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant in the capacities and on the date indicated.

 

 

 

 

 

By:

/s/    Julian Inclán

 

 

Dated: March 3, 2014

Julian Inclán

 

 

 

Chairman of the Board

 

 

 

 

 

 

 

 

By:

/s/    José Rafael Fernández

 

 

Dated: March 3, 2014

José Rafael Fernández

 

 

 

Vice Chairman of the Board

 

 

 

 

 

 

 

 

By:

/s/    Juan Carlos Aguayo

 

 

Dated: March 3, 2014

Juan Carlos Aguayo

 

 

 

Director

 

 

 

 

 

 

 

 

By:

/s/    Pablo I. Altieri

 

 

Dated: March 3, 2014

Dr. Pablo I. Altieri

 

 

 

Director

 

 

 

 

 

 

 

 

By:

/s/    Francisco Arriví

 

 

Dated: March 3, 2014

Francisco Arriví

 

 

 

Director

 

 

 

 

 

 

 

 

By:

/s/    Pedro Morazzani

 

 

Dated: March 3, 2014

Pedro Morazzani

 

 

 

Director

 

 

 

 

 

 

 

 

By:

/s/    Rafael Martínez-Margarida

 

 

Dated: March 3, 2014

Rafael Martínez-Margarida

 

 

 

Director

 

 

 

 

 

 

 

 

By:

/s/    Josen Rossi

 

 

Dated: March 3, 2014

Josen Rossi

 

 

 

Director

 

 

 

 

202

 

 
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Conventional loans that meet the underwriting requirements for sale or exchange under certain Federal Na</font><font style="font-family:Times New Roman;font-size:10pt;">tional Mortgage Association (</font><font style="font-family:Times New Roman;font-size:10pt;">&#8220;FNMA&#8221;) or Federal Hom</font><font style="font-family:Times New Roman;font-size:10pt;">e Loan Mortgage Corporation (</font><font style="font-family:Times New Roman;font-size:10pt;">&#8220;FHLMC&#8221;) programs are referred to as conforming mortgage loans and are also securitized for issuance of FNMA or FHLMC mortgage-backed securities. The Bank is an approved seller of FNMA, as well as FHLMC, mortgage loans for issuance of FNMA and FHLMC mortgage-backed securities. The Bank is also an approved issuer of GNMA mortgage-backed securities. The Bank is the master servicer of the GNMA, FNMA and FHLMC pools that it issues and of its mortgage loan portfolio, and has a subservicing arrangement with a third party</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">On December&#160;18, 2012, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> purchased from </font><font style="font-family:Times New Roman;font-size:10pt;">Banco</font><font style="font-family:Times New Roman;font-size:10pt;"> Bilbao </font><font style="font-family:Times New Roman;font-size:10pt;">Vizcaya</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Argentaria</font><font style="font-family:Times New Roman;font-size:10pt;">, S. A. (&#8220;BBVA&#8221;), all of the outstanding common stock of each of (</font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">) BBVAPR Holding Corporation (&#8220;BBVAPR Holding&#8221;), the sole shareholder of </font><font style="font-family:Times New Roman;font-size:10pt;">Banco</font><font style="font-family:Times New Roman;font-size:10pt;"> Bilbao </font><font style="font-family:Times New Roman;font-size:10pt;">Vizcaya</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Argentaria</font><font style="font-family:Times New Roman;font-size:10pt;"> Puerto Rico (&#8220;BBVAPR Bank&#8221;), a Puerto Rico chartered commercial bank, and BBVA </font><font style="font-family:Times New Roman;font-size:10pt;">Seguros</font><font style="font-family:Times New Roman;font-size:10pt;">, Inc. (&#8220;BBVA </font><font style="font-family:Times New Roman;font-size:10pt;">Seguros</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221;), a subsidiary offering insurance services, and (ii) BBVA Securities of Puerto </font><font style="font-family:Times New Roman;font-size:10pt;">Rico, Inc. </font><font style="font-family:Times New Roman;font-size:10pt;">(&#8220;BBVA Securities&#8221;</font><font style="font-family:Times New Roman;font-size:10pt;">), a registered broker-dealer. This transaction is referred to as the &#8220;BBVAPR Acquisition&#8221; and BBVAPR Holding, BBVAPR Bank, BBVA </font><font style="font-family:Times New Roman;font-size:10pt;">Seguros</font><font style="font-family:Times New Roman;font-size:10pt;"> and BBVA Securities are collectively referred to as the &#8220;BBVAPR Companies&#8221; or &#8220;BBVAPR</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221;</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p> <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.25px;">Business Combinations</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> accounted for the BBVAPR Acquisition and the FDIC-assisted acquisition of </font><font style="font-family:Times New Roman;font-size:10pt;">Eurobank</font><font style="font-family:Times New Roman;font-size:10pt;"> under the accounting guidance of ASC Topic No. 805, Business Combinations, which requires the use of the purchase method of accounting. All identifiable assets and liabilities acquired </font><font style="font-family:Times New Roman;font-size:10pt;">were</font><font style="font-family:Times New Roman;font-size:10pt;"> initially recorded at fair value. No allowance for loan losses related to the acquired loans was recorded on the acquisition date. Loans acquired </font><font style="font-family:Times New Roman;font-size:10pt;">were</font><font style="font-family:Times New Roman;font-size:10pt;"> recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820, exclusive of the shared-loss agreements with the FDIC applicable to the FDIC-assisted acquisition. These fair value estimates associated with the loans included estimates related to expected prepayments and the amount and timing of expected principal, interest and other cash flows. Because the FDIC has agreed to reimburse the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> for losses related to the acquired loans in the FDIC-assisted acquisition, subject to certain provisions specified in the </font><font style="font-family:Times New Roman;font-size:10pt;">shared-loss </font><font style="font-family:Times New Roman;font-size:10pt;">agreements, an indemnification asset was recorded at fair value at the acquisition date. The indemnification asset was recognized at the same time as the loans covered under FDIC shared-loss agreements, and is measured on the same basis, subject to collectability or contractual limitations. The loss share indemnification asset on the acquisition date reflected the reimbursements expected to be received from the FDIC, using an appropriate discount rate, which reflected counterparty credit risk and other uncertainties. The initial valuation of these loans and related indemnification asset required management to make subjective judgments concerning estimates about how the acquired loans would perform in the future using valuation methods, including discounted cash flow analyses and independent third-party appraisals. Factors that may significantly affect the initial valuation include, among others, market-based and industry data related to expected changes in interest rates, assumptions related to probability and severity of credit losses, estimated timing of credit losses including the timing of foreclosure and liquidation of collateral, expected prepayment rates, the specific terms and provisions of any shared-loss agreements, and specific industry and market conditions that may impact independent third-party appraisals. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> applied the guidance of ASC 310-30 to most of the loans acquired in the FDIC-assisted acquisition (including applying </font><font style="font-family:Times New Roman;font-size:10pt;">ASC </font><font style="font-family:Times New Roman;font-size:10pt;">310-30 by analogy to loans that do not meet the scope of ASC 310-30 but meet certain other criteria as outlined below), except for credit cards. Also, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> applied the guidance of ASC 310-30 </font><font style="font-family:Times New Roman;font-size:10pt;">to most of the loans from the BBVAPR A</font><font style="font-family:Times New Roman;font-size:10pt;">cquisition, except for credit cards, retail and commercial lines of credits, floor plans and performing auto loans with </font><font style="font-family:Times New Roman;font-size:10pt;">Fair Isaac Corporation (&#8220;</font><font style="font-family:Times New Roman;font-size:10pt;">FICO&#8221;) scores over 660 which </font><font style="font-family:Times New Roman;font-size:10pt;">were</font><font style="font-family:Times New Roman;font-size:10pt;"> acquired at a premium.</font></p><p style='margin-top:5pt; margin-bottom:5pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">ASC 310-30 provides two specific criteria that have to be met in order for a</font><font style="font-family:Times New Roman;font-size:10pt;"> loan to be within its scope: (</font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">) credit deterioration on the loan from its inception u</font><font style="font-family:Times New Roman;font-size:10pt;">ntil the acquisition date and (ii</font><font style="font-family:Times New Roman;font-size:10pt;">) that it is probable that not all of the contractual cash flows will be collected on the loan. Once in the scope of ASC 310-30, the credit portion of the fair value discount on an acquired loan cannot be accreted into income until the acquirer has assessed that it expects to receive more cash flows on the loan than initially anticipated. Acquired loans that meet the definition of nonaccrual status fall within the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s definition of impaired loans under ASC 310-30. Performing loans would gene</font><font style="font-family:Times New Roman;font-size:10pt;">rally not meet either criteria </font><font style="font-family:Times New Roman;font-size:10pt;">and therefore not fall within the scope of ASC 310-30. Many of the acquired loans that did not meet the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s definition of non-accrual status also resulted in the recognition of a discount attributable to credit quality. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> elected to analogize to ASC 310-30 and only accrete the portion of the fair value discount unrelated to credit pursuant to the provisions of the AICPA letter dated December 18, 2009, wher</font><font style="font-family:Times New Roman;font-size:10pt;">e the AICPA summarized the SEC s</font><font style="font-family:Times New Roman;font-size:10pt;">taff's view regarding the accounting in subsequent periods for</font><font style="font-family:Times New Roman;font-size:10pt;"> the pooling of</font><font style="font-family:Times New Roman;font-size:10pt;"> discount accretion associated with loan receivables acquired in a business combination or asset purchase. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">adopted an accounting policy co</font><font style="font-family:Times New Roman;font-size:10pt;">n</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">stent</font><font style="font-family:Times New Roman;font-size:10pt;"> with </font><font style="font-family:Times New Roman;font-size:10pt;">accounting of </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">Eurobank</font><font style="font-family:Times New Roman;font-size:10pt;"> acquisition to consistently apply by analogy the expected cash flow approach under </font><font style="font-family:Times New Roman;font-size:10pt;">ASC </font><font style="font-family:Times New Roman;font-size:10pt;">310-30 to acquired loan portfolios</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:13.5px;">Use of Estimates in the Preparation of Financial Statements </font></p><p style='margin-top:7pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The preparation of financial statements in conformity with GAAP requires management to make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of revenue and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate mainly to the determination of the allowance for loan and lease losses, fair value of assets acquired and liabilities assumed, the valuation of securities and derivative instruments, revisions to expected cash</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">flows</font><font style="font-family:Times New Roman;font-size:10pt;"> in </font><font style="font-family:Times New Roman;font-size:10pt;">acquir</font><font style="font-family:Times New Roman;font-size:10pt;">ed loans, accounting for the</font><font style="font-family:Times New Roman;font-size:10pt;"> indemnification asset, and the determination of income taxes and other-than-temporary impairment of securities. </font></p><p style='margin-top:13.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Principles of Consolidation </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany transactions and balances have been eliminated in consolidation. The Statutory Trust II is exempt from the consolidation requirements of GAAP. </font></p><p style='margin-top:13.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Cash Equivalents </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company considers as cash equivalents all money market instruments that are not pledged and that have maturities of three months or less at the date of acquisition. </font></p><p style='margin-top:13.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Earnings per Common Share </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Basic earnings per share is</font><font style="font-family:Times New Roman;font-size:10pt;"> calculated by dividing income available to common shareholders (net income reduced by dividends on preferred stock) by the weighted average of outstanding common shares. Diluted earnings per share is similar to the computation of basic earnings per share except that the weighted average of common shares is increased to include the number of additional common shares that would have been outstanding if the</font><font style="font-family:Times New Roman;font-size:10pt;"> potentially</font><font style="font-family:Times New Roman;font-size:10pt;"> dilutive common shares underlying stock options and restricted units had been issued, assuming that proceeds from exercise are used to repurchase shares in the market (treasury stock method). Any stock splits and dividends are retroactively recognized in all periods presented in the consolidated financial statements. </font></p><p style='margin-top:13.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Securities Purchased/Sold Under Agreements to Resell/Repurchase </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company purchases securities under agreements to resell the same or similar securities. Amounts advanced under these agreements represent short-term loans and are reflected as assets in the consolidated statements of financial condition. It is the Company's policy to take possession of securities purchased under resale agreements while the counterparty retains effective control over the securities. The Company monitors the fair value of the underlying securities as compared to the related receivable, including accrued interest, and requests additional collateral when deemed appropriate.</font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;"> The Company also sells securities under agreements to repurchase the same or similar securities. The Company retains effective control over the securities sold under these agreements. Accordingly, such agreements are treated as financing arrangements, and the obligations to repurchase the securities sold are reflected as liabilities. The securities underlying the financing agreements remain included in the asset accounts. The counterparty to repurchase agreements generally has the right to </font><font style="font-family:Times New Roman;font-size:10pt;">repledge</font><font style="font-family:Times New Roman;font-size:10pt;"> the securities received as collateral.</font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.25px;">Investment Securities </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Securities are classified as held-to-maturity, available-for-sale or trading. Securities for which the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> has the intent and ability to hold until maturity are classified as held-to-maturity and are carried at amortized cost. Securities that might be sold prior to maturity because of interest rate changes to meet liquidity needs or to better match the repricing characteristics of funding sources are classified as available-for-sale. These securities are reported at fair value, with unrealized gains and losses excluded from earnings and reported net of tax in other comprehensive income. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The BBVAPR Acquisition </font><font style="font-family:Times New Roman;font-size:10pt;">necessitated the reclassification of all the</font><font style="font-family:Times New Roman;font-size:10pt;"> securities classified as held-to-maturity</font><font style="font-family:Times New Roman;font-size:10pt;"> to available-for-sale in order to maintain the desired interest rate and credit risk profiles over the investment portfolio.</font><font style="font-family:Times New Roman;font-size:10pt;"> As a result</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">n December 2012, the securities in the held-to-maturity portfolio </font><font style="font-family:Times New Roman;font-size:10pt;">were</font><font style="font-family:Times New Roman;font-size:10pt;"> transferred to the available-for-sale portfolio at a fair value of $797.5 million with net unrealized gains of $35.1 million.</font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> classifies as trading those securities that are acquired and held principally for the purpose of selling them in the near future. These securities are carried at fair value with realized and unrealized changes in fair value included in earnings in the period in which the changes occur. </font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s investment in the Federal Home Loan Bank (&#8220;FHLB&#8221;) of New York stock, a restricted security, has no readily determinable fair value and can only be sold back to the FHLB</font><font style="font-family:Times New Roman;font-size:10pt;">-NY </font><font style="font-family:Times New Roman;font-size:10pt;">at cost. 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During the </font><font style="font-family:Times New Roman;font-size:10pt;">third </font><font style="font-family:Times New Roman;font-size:10pt;">quarter </font><font style="font-family:Times New Roman;font-size:10pt;">of 2012</font><font style="font-family:Times New Roman;font-size:10pt;">, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> made a change in one of the estimates applied in the calculation of the amortization of premiums/discounts in the mortgage-backed securities portfolio. The estimate involves the period used in measuring the repayment experience of each security and the change consists of using a 12-month look-back period instead of a 3-month period for these purposes. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> believes that this extended period better reflects the portfolio behavior, especially considering the seasonal cycle of the U.S. housing market, and also reduces the volatility that affects interest income recognition when using a more limited prepayment history experience in periods of greater market vo</font><font style="font-family:Times New Roman;font-size:10pt;">latility.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Financial Instruments </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Certain financial instruments, including derivatives, trading securities and investment securities available-for-sale, are recorded at fair value and unrealized gains and losses are recorded in other comprehensive income or as part of non-interest income, as appropriate. Fair values are based on listed market prices, if available. If listed market prices are not available, fair value is determined based on other relevant factors, including price quotations for similar instruments. The fair values of certain derivative contracts are derived from pricing models that consider current market and contractual prices for the underlying financial instruments as </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">we</font><font style="font-family:Times New Roman;font-size:10pt;">ll as time value and yield curve or volatility factors underlying the positions. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> determines the fair value of its financial instruments based on the fair value measurement framework, which establishes a fair value hierarchy that prioritizes the inputs of valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lo</font><font style="font-family:Times New Roman;font-size:10pt;">we</font><font style="font-family:Times New Roman;font-size:10pt;">st priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are described below: </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:24.45px;">Level 1</font><font style="font-family:Times New Roman;font-size:10pt;"> &#8212; Level 1 assets and liabilities include equity securities that are traded in an active exchange market, as </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">we</font><font style="font-family:Times New Roman;font-size:10pt;">ll as certain U.S. Treasury and other U.S. government agency securities that are traded by dealers or brokers in active markets. 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Net unrealized losses are recognized through a valuation allowance by charges to income. Realized gains or losses on these loans are determined using the specific identification method. 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Once the legal isolation test has been met, other factors concerning the nature and extent of the transferor's control over the transferred assets are taken into account in order to determine whether </font><font style="font-family:Times New Roman;font-size:10pt;">derecognition</font><font style="font-family:Times New Roman;font-size:10pt;"> of assets is warranted. </font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">When </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> sells or securitizes mortgage loans, it generally makes customary representations and warranties regarding the characteristics of the loans sold. Conforming conventional mortgage loans are combined into pools which are exchanged for FNMA and GNMA mortgage-backed securities, which are generally sold to private investors, or may sell the loans directly to FNMA or other private investors for cash. To the extent the loans do not meet the specified characteristics, investors are generally entitled to require </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> to repurchase such loans or indemnify the investor against losses if the assets do not meet certain guidelines. GNMA programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> provides servicing. At </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s option and without GNMA prior authorization, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> may repurchase such delinquent loans for an amount equal to 100% of the loan's remaining principal balance. This buy-back option is considered a conditional option until the delinquency criteria is met, at which time the option becomes unconditional. When the loans backing a GNMA security are initially securitized, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> treats the transaction as a sale for accounting purposes because the conditional nature of the buy-back option means that </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> does not maintain effective control over the loans, and therefore these are derecognized from the balance sheet. When individual loans later meet GNMA's specified delinquency criteria and are eligible for repurchase, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> is deemed to have regained effective control over these loans, and these must be brought back onto </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s books as assets at fair value, regardless of whether </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> intends to exercise the buy-back option. Quality review procedures are performed by </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> as required under the government agency programs to ensure that asset guideline qualifications are met</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">The Company</font><font style="font-family:Times New Roman;font-size:10pt;"> has not recorded any specific contingent liability in the consolidated financial statements for these customary representation and warranties related to loans sold by </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;">, and management believes that, based on historical data, the probability of payments and expected losses under these representation and warranty arrangements is not significant.</font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">As part of the BBVAPR Acquisition, on December 18, 2012, the Company assumed a liability for residential mortgage loans sold by BBVAPR subject to credit recourse</font><font style="font-family:Times New Roman;font-size:10pt;">, principally loans associated with FNMA residential mortgage loan sales and securitization programs</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">In the event of any customer default, pursuant to the credit recourse provided, the Company is required to repurchase the loan or reimburse the third party investor for the incurred loss. The maximum potential amount of future payments that the Company would be required to make under the recourse arrangements in the event of nonperformance by the borrowers is equivalent to the total outstanding balance of the residential mortgage loans serviced with recourse and interest, if applicable. In the event of nonperformance by the borrower, the Company has rights to the underlying collateral securing the mortgage loan. The Company suffers ultimate losses on these loans when the proceeds from a foreclosure sale of the property underlying a defaulted mortgage loan are less than the outstanding principal balance of the loan plus any uncollected interest advanced and the costs of holding and disposing the related property. The Company has established a liability to cover the estimated credit loss exposure related to loans sold with credit recourse.</font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The estimated losses to be absorbed under the credit recourse arrangements are recorded as a liability when the loans are sold or credit recourse is assumed as part of acquired servicing rights, and are updated by accruing or reversing expense (categorized in the line item &#8220;adjustments (expense) to indemnity reserves on loans sold&#8221; in the consolidated statements of operations) throughout the life of the loan, as necessary, when additional relevant information becomes available. The methodology used to estimate the recourse liability is a function of the recourse arrangements given and considers a variety of factors, which include actual defaults and historical loss experience, foreclosure rate, estimated future defaults and the probability that a loan would be delinquent. Statistical methods are used to estimate the recourse liability. The expected loss, which represents the amount expected to be lost on a given loan, considers the probability of default and loss severity. The probability of default represents the probability that a loan in good standing would become 90 days delinquent within the following twelve-month period. </font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:13.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Servicing Assets </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company</font><font style="font-family:Times New Roman;font-size:10pt;"> periodically sells or securitizes mortgage loans while retaining the obligation to perform the servicing of such loans. In addition, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> may purchase or assume the right to service mortgage loans originated by others. Whenever </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> undertakes an obligation to service a loan, management assesses whether a servicing asset and/or liability should be recognized. A servicing asset is recognized whenever the compensation for servicing is expected to more than adequately compensate </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> for servicing the loans. Likewise, a servicing liability would be recognized in the event that servicing fees to be received are not expected to adequately compensate </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> for its expected cost. </font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">All separately recognized servicing assets are recognized at fair value using the fair value measurement method. Under the fair value measurement method, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> measures servicing rights at fair value at each reporting date and reports changes in fair value of servicing asset in earnings in the period in which the changes occur, and includes these changes, if any, with mortgage banking activities in the consolidated statement of operations. 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Collections are accounted for on the cash method thereafter, until qualifying to return to accrual status. Such loans are not reinstated to accrual status until interest is received on a current basis and other factors indicative of doubtful collection cease to exist. 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This methodology includes the consideration of factors such as economic conditions, portfolio risk characteristics, prior loss experience, and results of periodic credit reviews of individual loans. The provision for loan and lease losses charged to current operations is based on such methodology. Loan and lease losses are charged and recoveries are credited to the allowance for loan and lease losses on non-covered loans. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Larger commercial loans that exhibit potential or observed credit </font><font style="font-family:Times New Roman;font-size:10pt;">we</font><font style="font-family:Times New Roman;font-size:10pt;">aknesses are subject to individual review and grading. Where appropriate, allowances are allocated to individual loans based on management's estimate of the borro</font><font style="font-family:Times New Roman;font-size:10pt;">wer's</font><font style="font-family:Times New Roman;font-size:10pt;"> ability to repay the loan given the availability of collateral, other sources of cash flow, and legal options available to the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Included in the review of individual loans are those that are impaired. A loan is considered impaired when, based on current information and events, it is probable that the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans are measured based on the present value of expected future cash flows discounted at the loan's effective interest rate, or as a practical expedient, at the observable market price of the loan or the fair value of the collateral, if the loan is collateral dependent. Loans are individually evaluated for impairment, except large groups of small balance homogeneous loans that are collectively evaluated for impairment and loans that are recorded at fair value or at the </font><font style="font-family:Times New Roman;font-size:10pt;">lower</font><font style="font-family:Times New Roman;font-size:10pt;"> of cost or fair value. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> measures for impairment all commercial loans over $250 thousand (</font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">) that are either over 90 days past due or adversely classified, or (ii) when deemed necessary by management. The portfolios of mortgage</font><font style="font-family:Times New Roman;font-size:10pt;"> loans</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">auto and </font><font style="font-family:Times New Roman;font-size:10pt;">leasing,</font><font style="font-family:Times New Roman;font-size:10pt;"> and consumer loans are considered homogeneous and are evaluated collectively for impairment. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> uses a rating system to apply an overall allowance percentage to each non-covered loan portfolio segment based on historical credit losses adjusted for current conditions and trends. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> over the most recent twel</font><font style="font-family:Times New Roman;font-size:10pt;">ve months. The actual loss experience is supplemented with other </font><font style="font-family:Times New Roman;font-size:10pt;">qualitative</font><font style="font-family:Times New Roman;font-size:10pt;"> factors based on the risks present for each portfolio segment. These </font><font style="font-family:Times New Roman;font-size:10pt;">qualitative</font><font style="font-family:Times New Roman;font-size:10pt;"> factors include consideration of the following: the credit grading assigned to commercial loans; levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff, including the bank's loan review system as graded by regulatory agencies in their last examination; local economic trends and conditions; industry conditions; effects of external factors such as competition and regulatory requirements on the level of estimated credit losses in the current portfolio; and effects of changes in credit concentrations and </font><font style="font-family:Times New Roman;font-size:10pt;">collateral value. Additional impact from the historical loss experience is applied based on levels of delinquency and loan classification. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">During the third quarter of 2013, management changed the methodology of the general reserve calculation in order to adapt the calculation to the new Company structure after the BBVAPR Acquisition, and better capture the risk characteristics of the different portfolio segments.</font><font style="font-family:Times New Roman;font-size:10pt;"> During the first and second quarters of 2013, management maintained a parallel computation of the general reserve and the impact of the new methodology was an increase of $242 thousand.</font><font style="font-family:Times New Roman;font-size:10pt;"> Principal changes are concentrated in the commercial, consumer</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and auto and leasing portfolios. 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Because the FDIC has agreed to reimburse the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> for losses related to the acquired loans in the FDIC-assisted acquisition, subject to certain provisions specified in the </font><font style="font-family:Times New Roman;font-size:10pt;">shared-loss </font><font style="font-family:Times New Roman;font-size:10pt;">agreements, an indemnification asset was recorded at fair value at the acquisition date. The indemnification asset was recognized at the same time as the loans covered under FDIC shared-loss agreements, and is measured on the same basis, subject to collectability or contractual limitations. The loss share indemnification asset on the acquisition date reflected the reimbursements expected to be received from the FDIC, using an appropriate discount rate, which reflected counterparty credit risk and other uncertainties. The initial valuation of these loans and related indemnification asset required management to make subjective judgments concerning estimates about how the acquired loans would perform in the future using valuation methods, including discounted cash flow analyses and independent third-party appraisals. Factors that may significantly affect the initial valuation include, among others, market-based and industry data related to expected changes in interest rates, assumptions related to probability and severity of credit losses, estimated timing of credit losses including the timing of foreclosure and liquidation of collateral, expected prepayment rates, the specific terms and provisions of any shared-loss agreements, and specific industry and market conditions that may impact independent third-party appraisals. 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Such financial instruments are recorded in the financial statements when these are funded or related fees are incurred or received. </font><font style="font-family:Times New Roman;font-size:10pt;">The Company</font><font style="font-family:Times New Roman;font-size:10pt;"> periodically evaluates the credit risks inherent in these commitments and establishes accruals for such risks if and when these are deemed necessary. </font></p><p style='margin-top:13.5pt; margin-bottom:0pt'>&#160;</p> <p style='margin-top:13.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:12.2px;">Mortgage Banking Activities and Loans Held-For-Sale </font></p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The residential mortgage loans reported as held-for-sale are stated at the lower of cost or fair value, cost being determined on the outstanding loan balance less unearned income, and fair value determined in the aggregate. Net unrealized losses are recognized through a valuation allowance by charges to income. Realized gains or losses on these loans are determined using the specific identification method. 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For transfers of financial assets that satisfy the conditions to be accounted for as sales, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> derecognizes all assets sold; recognizes all assets obtained and liabilities incurred in consideration as proceeds of the sale, including servicing assets and servicing liabilities, if applicable; initially measures at fair value assets obtained and liabilities incurred in a sale; and recognizes in earnings any gain or loss on the sale. The guidance on transfer of financial assets requires a true sale analysis of the treatment of the transfer under state law as if </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> was a debtor under the </font><font style="font-family:Times New Roman;font-size:10pt;">bankruptcy code. 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Once the legal isolation test has been met, other factors concerning the nature and extent of the transferor's control over the transferred assets are taken into account in order to determine whether </font><font style="font-family:Times New Roman;font-size:10pt;">derecognition</font><font style="font-family:Times New Roman;font-size:10pt;"> of assets is warranted. </font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">When </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> sells or securitizes mortgage loans, it generally makes customary representations and warranties regarding the characteristics of the loans sold. Conforming conventional mortgage loans are combined into pools which are exchanged for FNMA and GNMA mortgage-backed securities, which are generally sold to private investors, or may sell the loans directly to FNMA or other private investors for cash. To the extent the loans do not meet the specified characteristics, investors are generally entitled to require </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> to repurchase such loans or indemnify the investor against losses if the assets do not meet certain guidelines. GNMA programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> provides servicing. 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When the loans backing a GNMA security are initially securitized, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> treats the transaction as a sale for accounting purposes because the conditional nature of the buy-back option means that </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> does not maintain effective control over the loans, and therefore these are derecognized from the balance sheet. 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Quality review procedures are performed by </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> as required under the government agency programs to ensure that asset guideline qualifications are met</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">The Company</font><font style="font-family:Times New Roman;font-size:10pt;"> has not recorded any specific contingent liability in the consolidated financial statements for these customary representation and warranties related to loans sold by </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;">, and management believes that, based on historical data, the probability of payments and expected losses under these representation and warranty arrangements is not significant.</font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">As part of the BBVAPR Acquisition, on December 18, 2012, the Company assumed a liability for residential mortgage loans sold by BBVAPR subject to credit recourse</font><font style="font-family:Times New Roman;font-size:10pt;">, principally loans associated with FNMA residential mortgage loan sales and securitization programs</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">In the event of any customer default, pursuant to the credit recourse provided, the Company is required to repurchase the loan or reimburse the third party investor for the incurred loss. The maximum potential amount of future payments that the Company would be required to make under the recourse arrangements in the event of nonperformance by the borrowers is equivalent to the total outstanding balance of the residential mortgage loans serviced with recourse and interest, if applicable. In the event of nonperformance by the borrower, the Company has rights to the underlying collateral securing the mortgage loan. The Company suffers ultimate losses on these loans when the proceeds from a foreclosure sale of the property underlying a defaulted mortgage loan are less than the outstanding principal balance of the loan plus any uncollected interest advanced and the costs of holding and disposing the related property. The Company has established a liability to cover the estimated credit loss exposure related to loans sold with credit recourse.</font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The estimated losses to be absorbed under the credit recourse arrangements are recorded as a liability when the loans are sold or credit recourse is assumed as part of acquired servicing rights, and are updated by accruing or reversing expense (categorized in the line item &#8220;adjustments (expense) to indemnity reserves on loans sold&#8221; in the consolidated statements of operations) throughout the life of the loan, as necessary, when additional relevant information becomes available. The methodology used to estimate the recourse liability is a function of the recourse arrangements given and considers a variety of factors, which include actual defaults and historical loss experience, foreclosure rate, estimated future defaults and the probability that a loan would be delinquent. Statistical methods are used to estimate the recourse liability. The expected loss, which represents the amount expected to be lost on a given loan, considers the probability of default and loss severity. 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Collections are accounted for on the cash method thereafter, until qualifying to return to accrual status. Such loans are not reinstated to accrual status until interest is received on a current basis and other factors indicative of doubtful collection cease to exist. 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A loan is considered impaired when, based on current information and events, it is probable that the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Impaired loans are measured based on the present value of expected future cash flows discounted at the loan's effective interest rate, or as a practical expedient, at the observable market price of the loan or the fair value of the collateral, if the loan is collateral dependent. 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The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> over the most recent twel</font><font style="font-family:Times New Roman;font-size:10pt;">ve months. The actual loss experience is supplemented with other </font><font style="font-family:Times New Roman;font-size:10pt;">qualitative</font><font style="font-family:Times New Roman;font-size:10pt;"> factors based on the risks present for each portfolio segment. 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text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; text-align:left;border-color:#000000;min-width:74px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; text-align:left;border-color:#000000;min-width:76px;">&#160;</td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Deposits</font></td><td style="width: 9px; 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text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 20,465</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 358,485</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; 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text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,108</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 349,732</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 349,732</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Subordinated capital notes</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 117,000</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (7,159)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 109,841</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 109,841</font></td></tr><tr style="height: 21px"><td style="width: 235px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 78,954</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Total liabilities assumed</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,356,987</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 34,465</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,391,452</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,391,452</font></td></tr><tr style="height: 18px"><td style="width: 235px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (211,937)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 438,680</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; 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border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 500,000</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; 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text-align:left;border-color:#000000;min-width:74px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; text-align:left;border-color:#000000;min-width:76px;">&#160;</td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Deposits</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 3,472,951</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; 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text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 349,732</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Subordinated capital notes</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 117,000</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (7,159)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 109,841</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 109,841</font></td></tr><tr style="height: 21px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Accrued expenses and other liabilities</font></td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 80,392</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,438)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 78,954</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 78,954</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;"> Total liabilities assumed</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,356,987</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 34,465</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,391,452</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 74px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 76px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,391,452</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Net assets acquired</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 650,617</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 69px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (211,937)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 438,680</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 74px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (22,048)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 76px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 416,632</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Cash consideration</font></td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 71px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 500,000</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 69px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 500,000</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 74px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 76px; border-top-style:solid;border-top-width:2px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 500,000</font></td></tr><tr style="height: 18px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: left;">Goodwill</font></td><td style="width: 9px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 71px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:71px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 69px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:69px;">&#160;</td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:2px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:2px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 61,320</font></td><td style="width: 6px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 299px; text-align:left;border-color:#000000;min-width:299px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Mortgage-backed securities</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 299px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The amortized cost and fair value of the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s investment securities at </font><font style="font-family:Times New Roman;font-size:10pt;">Dece</font><font style="font-family:Times New Roman;font-size:10pt;">mber</font><font style="font-family:Times New Roman;font-size:10pt;"> 3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">, by contractual maturity, are shown in the next table. Securities not due on a single contractual maturity date, such as collateralized mortgage obligations, are classified in the period of final contractual maturity. 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> FNMA and FHLMC certificates</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 27,957</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> FNMA and FHLMC certificates</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,162,953</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; 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text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total mortgage-backed securities</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,419,117</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,439,539</font></td></tr><tr style="height: 15px"><td style="width: 328px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Other debt securities</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 20,000</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 19,680</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due in less than one year</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 20,000</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 19,680</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Due from 1 to 5 years </font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 29px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of Puerto Rico Government and political subdivisions</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 11,881</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 9,659</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Due after 5 to 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of US Government and sponsored agencies</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,691</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,649</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due after 5 to 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,691</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,649</font></td></tr><tr style="height: 15px"><td style="width: 328px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,367</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due after 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 113,354</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 108,898</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total investment securities</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 155,926</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 148,886</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total securities available-for-sale</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 84px; 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text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Investment securities</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:86px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 83px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:83px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> US Treasury securities</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; text-align:right;border-color:#000000;min-width:86px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 238,796</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; 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text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 3,021</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 86px; 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border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;TEXT-DECORATION: underline;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Description</font></td><td colspan="2" style="width: 74px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Sale Price</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">at Sale</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Gross Gains</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Gross Losses</font></td></tr><tr style="height: 20px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;">&#160;</td><td colspan="11" style="width: 320px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:320px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 21px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Sale of securities available-for-sale</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 21px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Mortgage-backed securities and CMOs</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> FNMA and FHLMC certificates</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 309,112</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 293,580</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 15,532</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> GNMA certificates</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 214,948</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 207,378</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 7,572</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> CMOs issued by US Government-sponsored agencies</font></td><td style="width: 9px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of U.S. Government-sponsored agencies</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 14,100</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 14,100</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total investment securities</font></td><td style="width: 9px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> show the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s gross unrealized losses and fair value of investment securities availab</font><font style="font-family:Times New Roman;font-size:10pt;">le-for-sale</font><font style="font-family:Times New Roman;font-size:10pt;">, aggregated by investment category and length of time that individual securities have been in a continuo</font><font style="font-family:Times New Roman;font-size:10pt;">us unrealized loss position, at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013 and </font><font style="font-family:Times New Roman;font-size:10pt;">201</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; 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Moreover, t</font><font style="font-family:Times New Roman;font-size:10pt;">he </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> conducts quarterly reviews to identify and evaluate each investment in an unrealized loss position for o</font><font style="font-family:Times New Roman;font-size:10pt;">ther-than-temporary impairment.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Any portion of a decline in value associated with credit loss is recognized in income with the remaining noncredit-related component recognized in other comprehensive income. 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 299px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,649</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">1.21%</font></td></tr><tr style="height: 30px"><td style="width: 299px; text-align:left;border-color:#000000;min-width:299px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of Puerto Rico Government and political subdivisions</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 121,035</font></td><td style="width: 12px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 299px; text-align:left;border-color:#000000;min-width:299px;">&#160;</td><td colspan="13" style="width: 401px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:401px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">December 31, 2012</font></td></tr><tr style="height: 15px"><td style="width: 299px; text-align:left;border-color:#000000;min-width:299px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;">&#160;</td><td style="width: 12px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 299px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> FNMA and FHLMC certificates</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,162,953</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,189,064</font></td></tr><tr style="height: 15px"><td style="width: 328px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 220,801</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 214,394</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due after 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,391,160</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,411,273</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total mortgage-backed securities</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,419,117</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,439,539</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Investment securities</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Due in less than one year</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Other debt securities</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 20,000</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 19,680</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due in less than one year</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 20,000</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 19,680</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Due from 1 to 5 years </font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 29px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of Puerto Rico Government and political subdivisions</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 11,881</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 9,659</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due from 1 to 5 years</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 11,881</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 9,659</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Due after 5 to 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of US Government and sponsored agencies</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,691</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,649</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due after 5 to 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,691</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10,649</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Due after 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:84px;">&#160;</td></tr><tr style="height: 29px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of Puerto Rico Government and political subdivisions</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 109,154</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 104,531</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Other debt securities</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,200</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,367</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total due after 10 years</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 113,354</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 108,898</font></td></tr><tr style="height: 15px"><td style="width: 328px; text-align:left;border-color:#000000;min-width:328px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total investment securities</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 155,926</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Mortgage-backed securities</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> GNMA certificates</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; 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text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 21px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Mortgage-backed securities and CMOs</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; text-align:left;border-color:#000000;min-width:86px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:86px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 83px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:83px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> US Treasury securities</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; text-align:right;border-color:#000000;min-width:86px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 238,796</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 83px; text-align:right;border-color:#000000;min-width:83px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 238,797</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of Puerto Rico Government and political subdivisions</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total investment securities</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 86px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:86px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 320,529</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 83px; 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text-align:left;border-color:#000000;min-width:332px;">&#160;</td><td colspan="11" style="width: 320px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:320px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2011</font></td></tr><tr style="height: 18px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;">&#160;</td><td colspan="2" style="width: 74px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:74px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Book Value</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;TEXT-DECORATION: underline;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Description</font></td><td colspan="2" style="width: 74px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Sale Price</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">at Sale</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Gross Gains</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td colspan="2" style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Gross Losses</font></td></tr><tr style="height: 20px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;">&#160;</td><td colspan="11" style="width: 320px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:320px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 21px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Sale of securities available-for-sale</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 21px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Mortgage-backed securities and CMOs</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> FNMA and FHLMC certificates</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 309,112</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 293,580</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 15,532</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> GNMA certificates</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 214,948</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 207,378</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 7,572</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> CMOs issued by US Government-sponsored agencies</font></td><td style="width: 9px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Obligations of U.S. Government-sponsored agencies</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 14,100</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 14,100</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total investment securities</font></td><td style="width: 9px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:9px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 16px"><td style="width: 332px; text-align:left;border-color:#000000;min-width:332px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total</font></td><td style="width: 9px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:9px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 327px; text-align:left;border-color:#000000;min-width:327px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> CMOs issued by US Government-sponsored agencies</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2,559</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:113px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 113px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:113px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 20px"><td style="width: 320px; text-align:left;border-color:#000000;min-width:320px;">&#160;</td><td colspan="5" style="width: 236px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:236px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 20px"><td style="width: 320px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> (54,298)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> (39,921)</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Loans receivable, net</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 4,615,929</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 4,698,185</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Mortgage loans held-for-sale</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 46,529</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 64,145</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Total loans not covered under shared-loss agreements with FDIC, net</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 4,662,458</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 4,762,330</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;">Loans covered under shared-loss agreements with FDIC:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; text-align:left;border-color:#000000;min-width:75px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; text-align:left;border-color:#000000;min-width:75px;">&#160;</td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Loans secured by 1-4 family residential properties</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 121,748</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 128,811</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Construction and development secured by 1-4 family residential properties</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 17,304</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 15,969</font></td></tr><tr style="height: 12px"><td style="width: 460px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 449,431</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Allowance for loan and lease losses on covered loans</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> (52,729)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> (54,124)</font></td></tr><tr style="height: 12px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> Total loans covered under shared-loss agreements with FDIC, net</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 7pt;COLOR: #000000;"> 356,961</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:right;border-color:#000000;min-width:58px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 138</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 62px; text-align:right;border-color:#000000;min-width:62px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 598</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 736</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 51px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 190px; text-align:left;border-color:#000000;min-width:190px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:58px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 52,201</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:right;border-color:#000000;min-width:58px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 10</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 62px; text-align:right;border-color:#000000;min-width:62px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 726</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 736</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 62px; text-align:left;border-color:#000000;min-width:62px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 51px; text-align:left;border-color:#000000;min-width:51px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 190px; text-align:left;border-color:#000000;min-width:190px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Commercial secured by real estate</font></td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:right;border-color:#000000;min-width:58px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 9,062</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 207px; text-align:left;border-color:#000000;min-width:207px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Corporate</font></td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; 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text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 207px; text-align:left;border-color:#000000;min-width:207px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Credit cards</font></td><td style="width: 10px; 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border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:207px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 68px; text-align:center;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Days Past</font></td></tr><tr style="height: 15px"><td style="width: 207px; text-align:left;border-color:#000000;min-width:207px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;">&#160;</td><td colspan="8" style="width: 321px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:321px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 99px; 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text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 62px; text-align:left;border-color:#000000;min-width:62px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; 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text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 51px; text-align:left;border-color:#000000;min-width:51px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 190px; text-align:left;border-color:#000000;min-width:190px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Corporate</font></td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:right;border-color:#000000;min-width:58px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 236</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; 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border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 72px; 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text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:left;border-color:#000000;min-width:58px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 207px; text-align:left;border-color:#000000;min-width:207px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Credit cards</font></td><td style="width: 10px; 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border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:207px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; text-align:center;border-color:#000000;min-width:58px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 58px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;">&#160;</td><td colspan="5" style="width: 186px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:186px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;">&#160;</td><td colspan="2" style="width: 87px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:87px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 87px; 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text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 75px; text-align:left;border-color:#000000;min-width:75px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Balance at beginning of period</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 655,833</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 226px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;">&#160;</td><td colspan="8" style="width: 321px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:321px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 226px; text-align:left;border-color:#000000;min-width:226px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 99px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 30px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Ending allowance balance attributable to loans:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; 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border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Individually evaluated for impairment</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Balance at beginning of year</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; 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text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Commercial</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Consumer</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Auto</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Unallocated</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Total</font></td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="14" style="width: 395px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:395px;">&#160;</td></tr><tr style="height: 42px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Allowance for loan and lease losses on non-covered acquired loans accounted for under ASC 310-20:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 30px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Ending allowance balance attributable to loans:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Collectively evaluated for impairment</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 926</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,428</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2,354</font></td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total ending allowance balance</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 926</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,428</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Collectively evaluated for impairment</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 77,681</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 67px; text-align:left;border-color:#000000;min-width:67px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Loans </font><font style="font-family:Times New Roman;font-size:10pt;">acquired in the BBVAPR Acqu</font><font style="font-family:Times New Roman;font-size:10pt;">isition accounted for under ASC </font><font style="font-family:Times New Roman;font-size:10pt;">310-30 were recognized at fair value as of December 18, 2012, which</font><font style="font-family:Times New Roman;font-size:10pt;"> included the i</font><font style="font-family:Times New Roman;font-size:10pt;">mpact of expected credit losses</font><font style="font-family:Times New Roman;font-size:10pt;"> and</font><font style="font-family:Times New Roman;font-size:10pt;"> ,</font><font style="font-family:Times New Roman;font-size:10pt;"> therefore, no allowance for credit losses was recorded at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2012</font><font style="font-family:Times New Roman;font-size:10pt;">. 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text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Corporate</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 32,598</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 108</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 727,096</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 3,373</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 28,146</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 34px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Commercial - acquired loans (under ASC 310-20)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Commercial secured by real estate:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; 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text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 21,769</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 168</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;">&#160;</td><td style="width: 10px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 318</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,241</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 77,681</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 74,629</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 761</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2,291</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,205,338</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,148,047</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 23,481</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 5,664</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 28,146</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;">&#160;</td><td colspan="17" style="width: 506px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:506px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">December 31, 2012</font></td></tr><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;">&#160;</td><td colspan="17" style="width: 506px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:506px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Risk Ratings</font></td></tr><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;">&#160;</td><td colspan="2" style="width: 76px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:76px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 76px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Individually</font></td></tr><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;">&#160;</td><td colspan="2" style="width: 76px; text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Balance</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 76px; text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Special</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 76px; 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text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td></tr><tr style="height: 30px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Commercial secured by real estate</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 66px; text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 251,274</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 350,242</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 66px; 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A substantial portion of our credit exposure to the government of Puerto Rico consists of collateralized loans or obligations that have a specific source of income or revenues identified for its repayment</font><font style="font-family:Times New Roman;font-size:10pt;">. Some o</font><font style="font-family:Times New Roman;font-size:10pt;">f these obligations consist of </font><font style="font-family:Times New Roman;font-size:10pt;">senior and subordinated loans to public corporations that obtain revenues from rates </font><font style="font-family:Times New Roman;font-size:10pt;">charged for services,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">such as water</font><font style="font-family:Times New Roman;font-size:10pt;"> and electric power utilities. Public </font><font style="font-family:Times New Roman;font-size:10pt;">corporations have varying degrees of independence from the central government and many receive appropriati</font><font style="font-family:Times New Roman;font-size:10pt;">ons or other payments from it. </font><font style="font-family:Times New Roman;font-size:10pt;">We also have loans to various municipalities for which the good faith, credit and unlimited taxing power of the applicable municipality has be</font><font style="font-family:Times New Roman;font-size:10pt;">en pledged to their repayment.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">These municipalities are required by law to levy special property taxes in such amounts as shall be required for the payment of all of its genera</font><font style="font-family:Times New Roman;font-size:10pt;">l obligation bonds and notes. </font><font style="font-family:Times New Roman;font-size:10pt;">Another portion of these loans consists of special obligations of various municipalities that are payable from the basic real and personal property taxes collected within such munici</font><font style="font-family:Times New Roman;font-size:10pt;">palities</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The good faith and credit obligations of the municipalities have a first lien on the basic property taxes. </font></p><p style='margin-top:0pt; margin-bottom:12pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">For residential and consumer loan classes, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> evaluates credit quality based on the delinquency status of the loan</font><font style="font-family:Times New Roman;font-size:10pt;">. 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;">&#160;</td><td colspan="23" style="width: 566px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:566px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">December 31, 2013</font></td></tr><tr style="height: 15px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;">&#160;</td><td colspan="23" style="width: 566px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:566px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Delinquency</font></td></tr><tr style="height: 14px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;">&#160;</td><td colspan="2" style="width: 73px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 63px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:63px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 301,584</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 283,825</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 12,534</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 3,616</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,095</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 514</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 14px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 63px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:63px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 357,758</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 334,219</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 14,947</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4,823</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,983</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,786</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 14px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total </font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 63px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:63px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,631,641</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,362,555</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 85,312</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 28,939</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 18,766</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 32,568</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 18,572</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 102</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 253</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 3,492</font></td><td style="width: 10px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 138px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:13.5px;">Covered Loans</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">For covered loans, as part of the evaluation of actual versus expected cash flows, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> assesses on a quarterly basis the credit quality of these loans based on delinquency, severity factors and risk ratings, among other assumptions. 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 285px; text-align:left;border-color:#000000;min-width:285px;">&#160;</td><td colspan="8" style="width: 321px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:321px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 285px; text-align:left;border-color:#000000;min-width:285px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 99px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="17" style="width: 476px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:476px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2013</font></td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Mortgage</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Commercial</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 30px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Ending allowance balance attributable to loans:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 7,866</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 375</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 38,942</font></td></tr><tr style="height: 15px"><td style="width: 243px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Balance at beginning of year</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 21,652</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 533</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 368</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 30,466</font></td></tr><tr style="height: 15px"><td style="width: 243px; 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border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Individually evaluated for impairment</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 74,783</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 46,199</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 302,876</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 46,667</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 37,577</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,119,220</font></td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total ending loans balance</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 806,883</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,240,202</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="17" style="width: 476px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:476px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2011</font></td></tr><tr style="height: 15px"><td style="width: 243px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 435,439</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="17" style="width: 482px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:482px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2013</font></td></tr><tr style="height: 30px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Mortgage</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Commercial</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 77px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 243px; text-align:left;border-color:#000000;min-width:243px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Balance at beginning of year</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 53px; text-align:left;border-color:#000000;min-width:53px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 61px; text-align:left;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 271px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 108</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 3,373</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 28,146</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 34px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Commercial - acquired loans (under ASC 310-20)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Commercial secured by real estate:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Corporate</font></td><td style="width: 10px; 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border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 443</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,050</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Other commercial and industrial:</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Corporate</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 9,793</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 9,696</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 150</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,144</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Floor plan</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 21,937</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 21,769</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 168</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 59,068</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 57,509</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 318</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,241</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 77,681</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 74,629</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 761</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2,291</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 189px; text-align:left;border-color:#000000;min-width:189px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 66px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:66px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,205,338</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 68px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 76px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Individually</font></td></tr><tr style="height: 15px"><td style="width: 169px; text-align:left;border-color:#000000;min-width:169px;">&#160;</td><td colspan="2" style="width: 76px; text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Balance</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 76px; text-align:center;border-color:#000000;min-width:76px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Special</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 66px; text-align:left;border-color:#000000;min-width:66px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 76px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 5px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 5px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 5px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 5px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td colspan="2" style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Individually</font></td></tr><tr style="height: 14px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;">&#160;</td><td colspan="2" style="width: 73px; 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text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,786</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 14px"><td style="width: 173px; text-align:left;border-color:#000000;min-width:173px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total </font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 63px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:63px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,631,641</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,362,555</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 85,312</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 28,939</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 18,766</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 32,568</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 18,572</font></td><td style="width: 5px; text-align:left;border-color:#000000;min-width:5px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 84,929</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;">&#160;</td><td colspan="23" style="width: 582px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:582px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">December 31, 2012</font></td></tr><tr style="height: 15px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;">&#160;</td><td colspan="23" style="width: 582px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:582px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Delinquency</font></td></tr><tr style="height: 14px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;">&#160;</td><td colspan="2" style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 64px; 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text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 64px; text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Measured for</font></td></tr><tr style="height: 14px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;">&#160;</td><td colspan="2" style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Outstanding</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">0-29 days</font></td><td style="width: 10px; 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text-align:center;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:center;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:center;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:center;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 138px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,089</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 4</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 14px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Auto </font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 470,601</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 462,550</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 6,753</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,023</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 264</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 11</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 14px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 540,948</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 530,820</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 7,735</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,023</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,353</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 15</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 138px; text-align:left;border-color:#000000;min-width:138px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Total </font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,432,075</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,184,387</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 48,403</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 17,483</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 15,870</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 31,682</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 59,467</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:center;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 54px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 74,783</font></td></tr></table></div> 0 2258000 0 0 118000 0 0 4050000 0 0 133061000 0 1835000 0 11655000 54796000 0 149018000 54796000 0 4050000 0 161583000 11777000 166642000 13184000 1835000 0 0 11655000 0 0 32598000 536445000 0 0 53868000 198000 691000 58742000 0 0 108000 37350000 3373000 1073418000 0 32598000 0 0 1365000 1820000 0 536445000 58897000 61510000 37646000 1127657000 28146000 0 1148047000 5664000 1205338000 28146000 77681000 0 0 719003000 997000 727096000 3185000 400561000 354415000 0 2376000 24961000 18613000 0 0 17120000 1050000 57509000 1241000 0 59068000 0 74629000 2291000 0 10166000 0 0 0 0 0 0 0 0 0 949000 4378000 101000 0 2576000 0 0 0 10166000 0 0 5770000 2677000 0 0 0 0 0 0 0 9696000 97000 0 0 0 0 0 0 0 1144000 0 26044000 21769000 0 0 0 0 0 0 0 0 9793000 0 27338000 21937000 18809000 318000 23481000 168000 150000 0 0 0 0 0 443000 0 0 0 22720000 3911000 443000 761000 188000 257000 3466000 0 0 0 0 2182000 16627000 0 0 251274000 183033000 23928000 2127000 99000 42087000 97801000 80951000 8569000 4169000 0 4112000 329463000 20779000 263984000 349075000 6296000 32497000 46199000 99000 350242000 347059000 458000 2725000 0 0 20143000 326916000 213000 245000 391000 0 0 2334000 0 0 699317000 611043000 32955000 9021000 99000 46199000 763400000 696000000 372000 38000 46000 0 15241000 339817000 1029000 186000 0 443000 134577000 25532000 16783000 118000 149000 1437000 12000 322000 50394000 0 301584000 56174000 4312000 126000 4823000 514000 133000 1938000 515000 18572000 1634000 7000 12055000 974000 0 1148000 833000 652000 3397000 14555000 1200000 0 573000 89541000 0 0 101150000 7762000 0 520945000 2119000 564473000 624000 0 1983000 14027000 1264000 1786000 0 28905000 379874000 1981000 989000 12534000 31000 7000 86318000 0 18552000 0 56000 85312000 0 736000 46713000 0 39000 598000 84494000 3681000 0 0 1435000 0 24116000 12260000 14991000 184000 4722000 0 435000 6431000 34000 1272000 42102000 1962000 168000 42871000 0 3464000 1609000 3037000 2217000 1198000 1631641000 312000 0 196000 84929000 868000 8414000 3217000 1272000 294000 0 94560000 12152000 554000 15590000 0 38278000 65117000 0 0 149546000 1095000 70365000 1844000 0 9030000 18572000 0 4649000 329000 91920000 357758000 352000 3192000 287000 2413000 84929000 3975000 20000 124046000 0 113000 7670000 99243000 0 30782000 4418000 0 0 1691000 9437000 0 0 25000 33000 1162000 15223000 0 43000 0 0 0 399000 1207000 0 0 56283000 398000 0 8090000 0 0 0 0 1362555000 0 35168000 74016000 64906000 766265000 0 283825000 334219000 300000 13000 0 828000 12716000 0 324000 34921000 2755000 1376000 14947000 0 127744000 32568000 12943000 0 52199000 115000 0 76512000 2844000 92102000 28939000 0 4000 75066000 1104000 602188000 1324000 435000 0 3616000 0 1241000 0 18766000 60000 0 120322000 1105000 0 888000 1028336000 1273883000 0 1432075000 1184387000 48403000 17483000 31682000 59467000 74783000 70347000 470601000 0 540948000 68270000 0 530820000 462550000 7735000 6753000 982000 0 0 0 1023000 1023000 4000 0 11000 15000 2000 0 0 2000 0 0 0 0 121637000 113086000 37577000 635342000 149862000 25676000 806883000 891127000 80901000 87310000 736000 101268000 68588000 46667000 57819000 37066000 114341000 45419000 65245000 0 571082000 726000 64434000 9595000 108358000 42742000 653567000 80715000 84926000 518019000 632000 2632000 2850000 39670000 6907000 0 606000 12048000 9012000 0 251000 4983000 747000 36214000 40668000 92000 0 1746000 16239000 128000 5206000 16460000 2116000 0 1067000 15044000 3525000 769000 129000 1682000 1320000 102000 15870000 14283000 1203000 188000 0 1530000 7662000 46000 0 2082000 6064000 264000 14517000 455000 886000 1353000 1089000 641000 18165000 10659000 253000 2529000 1846000 0 85000 31364000 973000 3994000 218000 3720000 31667000 2287000 5103000 59462000 8418000 10000 59465000 8695000 5732000 11533000 8953000 3000 3492000 0 38589000 460000 6442000 5727000 0 0 295000 0 0 658000 0 151000 73134000 63000 482000 1649000 0 74783000 74783000 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The changes in the allowance for loan and lease losses on covered loans for the </font><font style="font-family:Times New Roman;font-size:10pt;">years</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">Dec</font><font style="font-family:Times New Roman;font-size:10pt;">ember</font><font style="font-family:Times New Roman;font-size:10pt;"> 3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;"> were</font><font style="font-family:Times New Roman;font-size:10pt;"> as follows:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 285px; text-align:left;border-color:#000000;min-width:285px;">&#160;</td><td colspan="8" style="width: 321px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:321px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 285px; text-align:left;border-color:#000000;min-width:285px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 99px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 15px"><td style="width: 290px; text-align:left;border-color:#000000;min-width:290px;">&#160;</td><td colspan="2" style="width: 80px; text-align:center;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Unpaid</font></td><td style="width: 10px; 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In addition, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> may purchase or assume the right to service mortgage loans originated by</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">others. Whenever the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> undertakes an obligation to service a loan, management assesses whether a servicing</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">asset and/or liability should be recognized. A servicing asset is recognized whenever the compensation for</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">servicing is expected to more than adequately compensate the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> for servicing the loans and leases. Likewise,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">a servicing liability would be recognized in the event that servicing fees to be received are not expected to</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">adequately compensate the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> for its expected cost.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">All separately recognized servicing assets are recognized at fair value using the fair value measurement method.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Under the fair value measurement method, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> measures servicing rights at fair value at each reporting</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">date, </font><font style="font-family:Times New Roman;font-size:10pt;">reports changes in fair value of servicing assets in earnings in the period in which the changes occur,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and includes these changes, if any, with mortgage banking activities in the consolidated statements of operations.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The fair value of servicing rights is subject to fluctuations as a result of changes in estimated and actual</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">prepayment speeds and default rates and losses.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The fair value of servicing rights is estimated by using a cash flow valuation model which calculates the present</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">value of estimated future net servicing cash flows, taking into consideration actual and expected loan prepayment</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">rates, discount rates, servicing costs, and other economic factors, which are determined based on current market</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">conditions.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">At </font><font style="font-family:Times New Roman;font-size:10pt;">December 31</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">, servicing assets are </font><font style="font-family:Times New Roman;font-size:10pt;">composed of $</font><font style="font-family:Times New Roman;font-size:10pt;">13.8</font><font style="font-family:Times New Roman;font-size:10pt;"> million </font><font style="font-family:Times New Roman;font-size:10pt;">(</font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">10.7</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million &#8212; 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table presents the changes in servicing rights measured using the fair value method for </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">years </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">December </font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 296px; text-align:left;border-color:#000000;min-width:296px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="7" style="width: 280px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:280px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 296px; text-align:left;border-color:#000000;min-width:296px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 80px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 200px; text-align:left;border-color:#000000;min-width:200px;">&#160;</td><td colspan="5" style="width: 320px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:320px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 200px; text-align:left;border-color:#000000;min-width:200px;">&#160;</td><td style="width: 100px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:100px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 100px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 296px; text-align:left;border-color:#000000;min-width:296px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="7" style="width: 280px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:280px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 15px"><td style="width: 296px; text-align:left;border-color:#000000;min-width:296px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 80px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; 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Forecasted losses show a decreasing trend during the </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;"> ended </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> as compared to the projections in 2012.The reduction in claimable losses amortizes the shared-loss indemnification asset </font><font style="font-family:Times New Roman;font-size:10pt;">through </font><font style="font-family:Times New Roman;font-size:10pt;"> the</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">shorter of the life of the shared loss agreement or the loan</font><font style="font-family:Times New Roman;font-size:10pt;"> holding period</font><font style="font-family:Times New Roman;font-size:10pt;">. This amortization is net of the accretion of the discount recorded to reflect the expected claimable loss at its net present value. During the </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;"> ended </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> the net </font><font style="font-family:Times New Roman;font-size:10pt;">amortization included </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">16.6</font><font style="font-family:Times New Roman;font-size:10pt;"> million of</font><font style="font-family:Times New Roman;font-size:10pt;"> additional amortization of the FDIC indemnification asset from stepped up cost recoveries on certain construction and leasing loan pools. Additional amortization of the FDIC indemnification asset may be recorded, should the Company continues to experience reduced expected losses. The majority of the FDIC indemnification asset is </font><font style="font-family:Times New Roman;font-size:10pt;">recorded for projected claimable losses on non-single family loans whose loss share period ends by the second quarter of 2015, although the recovery share period extends for an additional three year period.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Bank agreed to make a true-up payment, al</font><font style="font-family:Times New Roman;font-size:10pt;">so known as </font><font style="font-family:Times New Roman;font-size:10pt;">clawback</font><font style="font-family:Times New Roman;font-size:10pt;"> liability</font><font style="font-family:Times New Roman;font-size:10pt;"> or </font><font style="font-family:Times New Roman;font-size:10pt;">clawback</font><font style="font-family:Times New Roman;font-size:10pt;"> provision</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">to the FDIC on the date that is 45 days following the last day (such day, the &#8220;True-Up Measurement Date&#8221;) of the final shared-loss month, or upon the final disposition of all covered assets under the shared-loss agreements in the event losses </font><font style="font-family:Times New Roman;font-size:10pt;">thereunder</font><font style="font-family:Times New Roman;font-size:10pt;"> fail to reach expected levels. </font><font style="font-family:Times New Roman;font-size:10pt;">Under the shared-loss agreements, the Bank will pay to the FDIC 50% of the excess, if any, of: (</font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">) 20% of the Intrinsic Loss Estimate of $906.0 million (or $181.2 million) (as determined by the FDIC) less (ii) the sum of: (A) 25% of the asset discount (per bid) (or $227.5 million); plus (B) 25% of the cumulative shared-loss payments (defined as the aggregate of all of the payments made or payable to the Bank minus the aggregate of all of the payments made or payable to the FDIC); plus (C) the sum of the period servicing amounts for every consecutive twelve-month period prior to and ending on the True-Up Measurement Date in respect of each of the shared-loss agreements during which the shared-loss provisions of the applicable shared-loss agreement is in effect (defined as the product of the simple average of the principal amount of shared-loss loans and shared-loss assets at the beginning and end of such period times 1%)</font><font style="font-family:Times New Roman;font-size:10pt;">. The true-up payment represents an estimated </font><font style="font-family:Times New Roman;font-size:10pt;">liability of $</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">8.5</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;"> and $</font><font style="font-family:Times New Roman;font-size:10pt;">15.5 </font><font style="font-family:Times New Roman;font-size:10pt;">million, net of discount, as of </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 2012, respectively.</font><font style="font-family:Times New Roman;font-size:10pt;"> The estimated liability is ac</font><font style="font-family:Times New Roman;font-size:10pt;">counted for as </font><font style="font-family:Times New Roman;font-size:10pt;">other liabilities</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p> 2010-04-30 0.8 0.8 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;"></font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table presents the activity in the FDIC loss share asset</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and true-up payment obligation </font><font style="font-family:Times New Roman;font-size:10pt;">for the </font><font style="font-family:Times New Roman;font-size:10pt;">years </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and 201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;">&#160;</td><td colspan="8" style="width: 253px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:253px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;">&#160;</td><td colspan="2" style="width: 75px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 14px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td colspan="2" style="width: 75px; 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text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-top-style:double;border-top-width:3px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 61px; border-top-style:double;border-top-width:3px;text-align:right;border-color:#000000;min-width:61px;">&#160;</td></tr><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;"><font style="FONT-WEIGHT: bold;TEXT-DECORATION: underline;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">True-up payment obligation:</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;">&#160;</td><td style="width: 14px; 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Forecasted losses show a decreasing trend during the year ended December 31, 2013 as compared to the projections in 2012.The reduction in claimable losses amortizes the shared-loss indemnification asset through the shorter of the life of the shared loss agreement or the loan holding period. This amortization is net of the accretion of the discount recorded to reflect the expected claimable loss at its net present value. During the year ended December 31, 2013, the net amortization included $16.6 million of additional amortization of the FDIC indemnification asset from stepped up cost recoveries on certain construction and leasing loan pools. Additional amortization of the FDIC indemnification asset may be recorded, should the Company continues to experience reduced expected losses. The majority of the FDIC indemnification asset is recorded for projected claimable losses on non-single family loans whose loss share period ends by the second quarter of 2015, although the recovery share period extends for an additional three year period. The Bank agreed to make a true-up payment, also known as clawback liability or clawback provision, to the FDIC on the date that is 45 days following the last day (such day, the &#8220;True-Up Measurement Date&#8221;) of the final shared-loss month, or upon the final disposition of all covered assets under the shared-loss agreements in the event losses thereunder fail to reach expected levels. Under the shared-loss agreements, the Bank will pay to the FDIC 50% of the excess, if any, of: (i) 20% of the Intrinsic Loss Estimate of $906.0 million (or $181.2 million) (as determined by the FDIC) less (ii) the sum of: (A) 25% of the asset discount (per bid) (or $227.5 million); plus (B) 25% of the cumulative shared-loss payments (defined as the aggregate of all of the payments made or payable to the Bank minus the aggregate of all of the payments made or payable to the FDIC); plus (C) the sum of the period servicing amounts for every consecutive twelve-month period prior to and ending on the True-Up Measurement Date in respect of each of the shared-loss agreements during which the shared-loss provisions of the applicable shared-loss agreement is in effect (defined as the product of the simple average of the principal amount of shared-loss loans and shared-loss assets at the beginning and end of such period times 1%) 16600000 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTE </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;">&#8212;</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> DERIVATIVE ACTIVITIES</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">During the </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">Dec</font><font style="font-family:Times New Roman;font-size:10pt;">ember</font><font style="font-family:Times New Roman;font-size:10pt;"> 3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">losse</font><font style="font-family:Times New Roman;font-size:10pt;">s </font><font style="font-family:Times New Roman;font-size:10pt;">of</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">220</font><font style="font-family:Times New Roman;font-size:10pt;"> thousand</font><font style="font-family:Times New Roman;font-size:10pt;"> were recognized and reflected as &#8220;Derivative Activities&#8221; in the consolidated statements of operations</font><font style="font-family:Times New Roman;font-size:10pt;">, which </font><font style="font-family:Times New Roman;font-size:10pt;">were mainly related to </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">options tied to the Standard &amp; Poor's 500 stock market index</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">During the </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;"> ended </font><font style="font-family:Times New Roman;font-size:10pt;">Dec</font><font style="font-family:Times New Roman;font-size:10pt;">ember</font><font style="font-family:Times New Roman;font-size:10pt;"> 3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012, </font><font style="font-family:Times New Roman;font-size:10pt;">losses of $</font><font style="font-family:Times New Roman;font-size:10pt;">43.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million were recognized and were mainly</font><font style="font-family:Times New Roman;font-size:10pt;"> related </font><font style="font-family:Times New Roman;font-size:10pt;"> to </font><font style="font-family:Times New Roman;font-size:10pt;">realized losses of $37.5 million due to the terminations of forward-settlement swaps with an aggregate</font><font style="font-family:Times New Roman;font-size:10pt;"> notional</font><font style="font-family:Times New Roman;font-size:10pt;"> amount of $</font><font style="font-family:Times New Roman;font-size:10pt;">900</font><font style="font-family:Times New Roman;font-size:10pt;"> million and to realized losses</font><font style="font-family:Times New Roman;font-size:10pt;"> of $</font><font style="font-family:Times New Roman;font-size:10pt;">3.5 </font><font style="font-family:Times New Roman;font-size:10pt;">million recorded on options purchased in July 2012 to enter into interest rate swaps, not designated as cash flow hedges or fair value hedges, with an aggregate notional amount of $</font><font style="font-family:Times New Roman;font-size:10pt;">200</font><font style="font-family:Times New Roman;font-size:10pt;"> million, which were terminated in December 2012</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table details &#8220;Derivative Assets&#8221; and &#8220;Derivative Liabilities&#8221; as reflected in the</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">consolidated</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">statements of financial condition at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 2012</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 327px; text-align:left;border-color:#000000;min-width:327px;">&#160;</td><td colspan="5" style="width: 210px; 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None of these cap transactions qualify for hedge accounting; therefore, they are </font><font style="font-family:Times New Roman;font-size:10pt;">marked to market through earnings.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The </font><font style="font-family:Times New Roman;font-size:10pt;">outstanding </font><font style="font-family:Times New Roman;font-size:10pt;">total </font><font style="font-family:Times New Roman;font-size:10pt;">n</font><font style="font-family:Times New Roman;font-size:10pt;">otional amount </font><font style="font-family:Times New Roman;font-size:10pt;">of interest rate caps </font><font style="font-family:Times New Roman;font-size:10pt;">was </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">9</font><font style="font-family:Times New Roman;font-size:10pt;">4.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;"> at </font><font style="font-family:Times New Roman;font-size:10pt;">both December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 2012</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> At </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 2012</font><font style="font-family:Times New Roman;font-size:10pt;">, the interest rate caps sold to client</font><font style="font-family:Times New Roman;font-size:10pt;">s represented a liability of $</font><font style="font-family:Times New Roman;font-size:10pt;">319 </font><font style="font-family:Times New Roman;font-size:10pt;">thousand </font><font style="font-family:Times New Roman;font-size:10pt;">and $230 thousand, respectively, </font><font style="font-family:Times New Roman;font-size:10pt;">and were included as part o</font><font style="font-family:Times New Roman;font-size:10pt;">f derivative liabilities in the consolidated</font><font style="font-family:Times New Roman;font-size:10pt;"> statements of financial </font><font style="font-family:Times New Roman;font-size:10pt;">condition</font><font style="font-family:Times New Roman;font-size:10pt;">. At </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 2012, </font><font style="font-family:Times New Roman;font-size:10pt;"> the interest rate caps purchased as mirror-images represented an asset </font><font style="font-family:Times New Roman;font-size:10pt;">of $</font><font style="font-family:Times New Roman;font-size:10pt;">319</font><font style="font-family:Times New Roman;font-size:10pt;"> thousand</font><font style="font-family:Times New Roman;font-size:10pt;"> and $230 thousand, respectively, </font><font style="font-family:Times New Roman;font-size:10pt;">and were included as part of d</font><font style="font-family:Times New Roman;font-size:10pt;">er</font><font style="font-family:Times New Roman;font-size:10pt;">ivative assets in the </font><font style="font-family:Times New Roman;font-size:10pt;">consolidated</font><font style="font-family:Times New Roman;font-size:10pt;"> statements of financial </font><font style="font-family:Times New Roman;font-size:10pt;">condition</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p> 900000000 200000000 3500000 <p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table details &#8220;Derivative Assets&#8221; and &#8220;Derivative Liabilities&#8221; as reflected in the</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">consolidated</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">statements of financial condition at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 2012</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 327px; 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The following table shows a summary</font><font style="font-family:Times New Roman;font-size:10pt;"> of these swaps and their terms</font><font style="font-family:Times New Roman;font-size:10pt;"> at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p> 319000 11757000 16430000 319000 2861000 2861000 8365000 230000 230000 17665000 13233000 8426000 42000 0 0 0 850000 0 25000000 25000000 50000000 100000000 0.026200 0.026350 0.026590 0.026750 2011-05-05 2016-05-04 2012-05-04 2011-05-05 2012-07-24 2016-07-24 2011-05-05 2016-07-30 2012-07-30 2016-08-10 2011-05-05 2012-08-10 2011-05-05 2012-08-16 2016-08-16 265589000 0.024365 25000000 40589000 0.024210 2013-07-03 2023-08-01 2013-07-03 <div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 133px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 14px"><td style="width: 257px; text-align:left;border-color:#000000;min-width:257px;">&#160;</td><td colspan="5" style="width: 230px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:230px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">December 31,</font></td></tr><tr style="height: 14px"><td style="width: 257px; text-align:left;border-color:#000000;min-width:257px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 110px; 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text-align:left;border-color:#000000;min-width:386px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 17px"><td style="width: 386px; text-align:left;border-color:#000000;min-width:386px;">&#160;</td><td colspan="5" style="width: 208px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:208px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 17px"><td style="width: 386px; 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margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">T</font><font style="font-family:Times New Roman;font-size:10pt;">he weighted average </font><font style="font-family:Times New Roman;font-size:10pt;">interest rate of the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s </font><font style="font-family:Times New Roman;font-size:10pt;">deposits was </font><font style="font-family:Times New Roman;font-size:10pt;">0</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;">7</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">% </font><font style="font-family:Times New Roman;font-size:10pt;">at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and </font><font style="font-family:Times New Roman;font-size:10pt;">1.</font><font style="font-family:Times New Roman;font-size:10pt;">24</font><font style="font-family:Times New Roman;font-size:10pt;">% at December 31, 2012</font><font style="font-family:Times New Roman;font-size:10pt;">, inclusive of non-interest bearing deposits of </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">550.2</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;"> and </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">800.1</font><font style="font-family:Times New Roman;font-size:10pt;"> million,</font><font style="font-family:Times New Roman;font-size:10pt;"> respectively. </font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Interest expense for the </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;">s </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">2012 </font><font style="font-family:Times New Roman;font-size:10pt;">and 201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;"> was as follows</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 20px"><td style="width: 180px; text-align:left;border-color:#000000;min-width:180px;">&#160;</td><td colspan="8" style="width: 317px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:317px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 17px"><td style="width: 180px; text-align:left;border-color:#000000;min-width:180px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2011</font></td></tr><tr style="height: 17px"><td style="width: 180px; 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">A</font><font style="font-family:Times New Roman;font-size:10pt;">t </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> and 201</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">demand and </font><font style="font-family:Times New Roman;font-size:10pt;">interest-</font><font style="font-family:Times New Roman;font-size:10pt;">bearing de</font><font style="font-family:Times New Roman;font-size:10pt;">posits </font><font style="font-family:Times New Roman;font-size:10pt;">and certificates of deposit</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">included d</font><font style="font-family:Times New Roman;font-size:10pt;">eposits of </font><font style="font-family:Times New Roman;font-size:10pt;">Puerto Rico Cash &amp; 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margin-bottom:0pt'>&#160;</p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Excluding equity indexed options in the amount of $14.8 million, which are used by the Company to manage its exposure to the S&amp;P 500 Index, and also excluding accrued interests of $</font><font style="font-family:Times New Roman;font-size:10pt;">2.7 </font><font style="font-family:Times New Roman;font-size:10pt;">million and unamortized deposit discount in the amount of $</font><font style="font-family:Times New Roman;font-size:10pt;">5.0 </font><font style="font-family:Times New Roman;font-size:10pt;">million, t</font><font style="font-family:Times New Roman;font-size:10pt;">he</font><font style="font-family:Times New Roman;font-size:10pt;"> scheduled maturities of certificates of deposit</font><font style="font-family:Times New Roman;font-size:10pt;"> at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">are as follows:</font></p><p style='margin-top:0pt; 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text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 112px; text-align:left;border-color:#000000;min-width:112px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; 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Under Federal Reserve Board rules, restricted core capital elements, which are qualifying trust preferred securities, qualifying cumulative perpetual preferred stock (and related surplus) and certain minority interests in consolidated subsidiaries, are limited in the aggregate to no more than 25% of a bank holding company's core capital elements (including restricted core capital elements), net of goodwill less any associated deferred tax liability. Howe</font><font style="font-family:Times New Roman;font-size:10pt;">ver, under the Dodd-Frank Act </font><font style="font-family:Times New Roman;font-size:10pt;">and the new capital rules issued by the federal banking regulatory agencies in July 2013,</font><font style="font-family:Times New Roman;font-size:10pt;"> bank holding companies are prohibited from including in their Tier 1 capital hybrid debt and equity securities, including trust preferred securities, issued on or after May 19, 2010. Any such instruments issued before May 19, 2010 by a bank holding company, such as the Company, with total consolidated assets of less than $15 billion as of December 31, 2009, may continue to be included as Tier 1 capital. 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Interest on these subordinated notes is payable quarterly. 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margin-bottom:0pt'>&#160;</p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 298px; text-align:left;border-color:#000000;min-width:298px;">&#160;</td><td colspan="5" style="width: 212px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:212px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">December 31,</font></td></tr><tr style="height: 16px"><td style="width: 298px; text-align:left;border-color:#000000;min-width:298px;">&#160;</td><td colspan="2" style="width: 100px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:100px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 100px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:90px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 90px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:90px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: right;"> 9,901</font></td></tr><tr style="height: 16px"><td style="width: 298px; text-align:left;border-color:#000000;min-width:298px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: left;">Average daily aggregate balance outstanding</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; 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text-align:center;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 45px; text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td colspan="2" style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:3px;">&#160;</td><td colspan="2" style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:3px;">&#160;</td><td colspan="2" style="width: 80px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">CMOs </font></td><td style="width: 3px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:45px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:60px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 112px; text-align:left;border-color:#000000;min-width:112px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> Total</font></td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">$</font></td><td style="width: 60px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 1,692,931</font></td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 45px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:45px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">2.31%</font></td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">$</font></td><td style="width: 60px; 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border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 228,581</font></td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">$</font></td><td style="width: 70px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 21,847</font></td><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;">&#160;</td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">$</font></td><td style="width: 60px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,295,672</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 79px; 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text-align:left;border-color:#000000;min-width:215px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Balance at the end of year</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 18,963</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 215px; text-align:left;border-color:#000000;min-width:215px;">&#160;</td><td colspan="5" style="width: 208px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:208px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 17px"><td style="width: 215px; text-align:left;border-color:#000000;min-width:215px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 17px"><td style="width: 215px; text-align:left;border-color:#000000;min-width:215px;">&#160;</td><td colspan="5" style="width: 208px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:208px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 17px"><td style="width: 215px; text-align:left;border-color:#000000;min-width:215px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Balance at the beginning of year</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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text-align:left;border-color:#000000;min-width:215px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Balance at the end of year</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 18,963</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td colspan="8" style="width: 317px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:317px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2011</font></td></tr><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td colspan="8" style="width: 317px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:317px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 17px"><td style="width: 220px; 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margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Under Puerto Rico law, all companies are treated as separate taxable entities and are not entitled to file consolidated returns. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> and its subsidiaries are subject to </font><font style="font-family:Times New Roman;font-size:10pt;">Puerto Rico</font><font style="font-family:Times New Roman;font-size:10pt;"> regular income tax or AMT on income earned from all sources. The AMT is payable if it exceeds regular income tax. The excess of AMT over regular income tax paid in any one year may be used to offset regular income tax in future years, subject to certain limitations.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The components of income tax expense (benefit) for the years</font><font style="font-family:Times New Roman;font-size:10pt;"> ended December&#160;31, 201</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and 201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;"> are as follows</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td colspan="8" style="width: 317px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:317px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 99px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:99px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">2011</font></td></tr><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td colspan="8" style="width: 317px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:317px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 17px"><td style="width: 220px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 1,513</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> (1,564)</font></td></tr><tr style="height: 17px"><td style="width: 220px; text-align:left;border-color:#000000;min-width:220px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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(Act of Redistribution and Adjustment of Tax Burden)</font><font style="font-family:Times New Roman;font-size:10pt;">, as amended</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">The main purpose of the Act is to increase government collections in order to alle</font><font style="font-family:Times New Roman;font-size:10pt;">viate the structural deficit.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">The most relevant provisions of the</font><font style="font-family:Times New Roman;font-size:10pt;"> Act, as applicable to t</font><font style="font-family:Times New Roman;font-size:10pt;">he Company, </font><font style="font-family:Times New Roman;font-size:10pt;">and effe</font><font style="font-family:Times New Roman;font-size:10pt;">ctive for taxable years</font><font style="font-family:Times New Roman;font-size:10pt;"> beginning after December 31,2012 are as follows: (1</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;"> t</font><font style="font-family:Times New Roman;font-size:10pt;">he </font><font style="font-family:Times New Roman;font-size:10pt;">maximum Corporate Income T</font><font style="font-family:Times New Roman;font-size:10pt;">ax rate was </font><font style="font-family:Times New Roman;font-size:10pt;"> increase</font><font style="font-family:Times New Roman;font-size:10pt;">d</font><font style="font-family:Times New Roman;font-size:10pt;"> from 30% to 3</font><font style="font-family:Times New Roman;font-size:10pt;">9</font><font style="font-family:Times New Roman;font-size:10pt;">%; (2</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;"> the</font><font style="font-family:Times New Roman;font-size:10pt;"> deduction</font><font style="font-family:Times New Roman;font-size:10pt;"> allowe</font><font style="font-family:Times New Roman;font-size:10pt;">d</font><font style="font-family:Times New Roman;font-size:10pt;"> for determining the income subject t</font><font style="font-family:Times New Roman;font-size:10pt;">o surtax was reduced from $750,</font><font style="font-family:Times New Roman;font-size:10pt;">000 to $2</font><font style="font-family:Times New Roman;font-size:10pt;">5,000 (which must be allocated among the members of </font><font style="font-family:Times New Roman;font-size:10pt;">a</font><font style="font-family:Times New Roman;font-size:10pt;"> cont</font><font style="font-family:Times New Roman;font-size:10pt;">rolled group of corporation</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;">)</font><font style="font-family:Times New Roman;font-size:10pt;">;</font><font style="font-family:Times New Roman;font-size:10pt;"> (3)</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the</font><font style="font-family:Times New Roman;font-size:10pt;"> allowable Net Operating Loss (&#8220;NOL&#8221;) deduction was reduced to (</font><font style="font-family:Times New Roman;font-size:10pt;">i</font><font style="font-family:Times New Roman;font-size:10pt;">) 90% of the </font><font style="font-family:Times New Roman;font-size:10pt;">corporation's ne</font><font style="font-family:Times New Roman;font-size:10pt;">t income subject to regular tax </font><font style="font-family:Times New Roman;font-size:10pt;"> for purposes of computing </font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the regular income tax</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> and (ii) </font><font style="font-family:Times New Roman;font-size:10pt;"> 80% of</font><font style="font-family:Times New Roman;font-size:10pt;"> the</font><font style="font-family:Times New Roman;font-size:10pt;"> alternative minimum taxable in</font><font style="font-family:Times New Roman;font-size:10pt;">come for</font><font style="font-family:Times New Roman;font-size:10pt;"> purposes of computing </font><font style="font-family:Times New Roman;font-size:10pt;">the</font><font style="font-family:Times New Roman;font-size:10pt;"> alternative minimum tax (&#8220;AM</font><font style="font-family:Times New Roman;font-size:10pt;">T</font><font style="font-family:Times New Roman;font-size:10pt;">&#8221;)</font><font style="font-family:Times New Roman;font-size:10pt;">;</font><font style="font-family:Times New Roman;font-size:10pt;"> (4</font><font style="font-family:Times New Roman;font-size:10pt;">) the</font><font style="font-family:Times New Roman;font-size:10pt;"> NOL</font><font style="font-family:Times New Roman;font-size:10pt;"> carryover period was extended from 10 to 12</font><font style="font-family:Times New Roman;font-size:10pt;"> years </font><font style="font-family:Times New Roman;font-size:10pt;"> for NOL</font><font style="font-family:Times New Roman;font-size:10pt;">s incurred </font><font style="font-family:Times New Roman;font-size:10pt;">in taxable years beginning after December 31, 2004 and before January 1, 2013, and from 7 to 10 years for losses incurred in taxable years beginning</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">after December 31, 2012;</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;"> (5) </font><font style="font-family:Times New Roman;font-size:10pt;">a </font><font style="font-family:Times New Roman;font-size:10pt;">new special tax based on gross income (the &#8220;Special Tax&#8221;) was added to the Puerto Rico Internal Revenue Code of 2011, as further described below; and (6) a special tax of 1% </font><font style="font-family:Times New Roman;font-size:10pt;">was imposed </font><font style="font-family:Times New Roman;font-size:10pt;">on insurance premium</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">earned after </font><font style="font-family:Times New Roman;font-size:10pt;">June</font><font style="font-family:Times New Roman;font-size:10pt;"> 30, 2013.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;"> </font><font style="font-family:Times New Roman;font-size:10pt;">In the case of non-financial institutions, the Special Tax is paid as part of the AMT and thus is accounted for under the provisions of ASC 740. The applicable </font><font style="font-family:Times New Roman;font-size:10pt;">Special T</font><font style="font-family:Times New Roman;font-size:10pt;">ax </font><font style="font-family:Times New Roman;font-size:10pt;">rate for non-financial institutions increases gradually from </font><font style="font-family:Times New Roman;font-size:10pt;">0</font><font style="font-family:Times New Roman;font-size:10pt;">.2% for gross income</font><font style="font-family:Times New Roman;font-size:10pt;"> equal to or </font><font style="font-family:Times New Roman;font-size:10pt;">in excess of $1</font><font style="font-family:Times New Roman;font-size:10pt;">.0 million</font><font style="font-family:Times New Roman;font-size:10pt;"> up to </font><font style="font-family:Times New Roman;font-size:10pt;">0</font><font style="font-family:Times New Roman;font-size:10pt;">.85% f</font><font style="font-family:Times New Roman;font-size:10pt;">or gross income in excess of $1.</font><font style="font-family:Times New Roman;font-size:10pt;">5</font><font style="font-family:Times New Roman;font-size:10pt;"> billion</font><font style="font-family:Times New Roman;font-size:10pt;">. In the case of a controlled group of corporations, the tax rate for all members of the group is determined by the aggregate gross income of all members in the group. In the case of financial institutions, the Special Tax is not part of the AMT calculation thus is accounted for as other tax not subject to the provisions of ASC 740 since the same is based on gross income</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> The applicable</font><font style="font-family:Times New Roman;font-size:10pt;"> Special T</font><font style="font-family:Times New Roman;font-size:10pt;">ax</font><font style="font-family:Times New Roman;font-size:10pt;"> rate for financial institutions is 1%</font><font style="font-family:Times New Roman;font-size:10pt;"> of</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">its gross income of</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">a taxable</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;">of </font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">which</font><font style="font-family:Times New Roman;font-size:10pt;"> fifty percent (50%) may be claimed as a credit against the financial institution</font><font style="font-family:Times New Roman;font-size:10pt;">'s</font><font style="font-family:Times New Roman;font-size:10pt;"> applicable income tax of </font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">that</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;"> year</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The Company maintained an effective tax rate lower than the maximum marginal statutory rate </font><font style="font-family:Times New Roman;font-size:10pt;">of </font><font style="font-family:Times New Roman;font-size:10pt;">39</font><font style="font-family:Times New Roman;font-size:10pt;">%</font><font style="font-family:Times New Roman;font-size:10pt;">, </font><font style="font-family:Times New Roman;font-size:10pt;"> and</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;">0</font><font style="font-family:Times New Roman;font-size:10pt;">%, and 30</font><font style="font-family:Times New Roman;font-size:10pt;">% as of December&#160;31, 2013, 2012 and 2011, respectively, mainly due to exempt income generated by OIB in 2013 and 2012, and income generated by OIB in 2011, which was taxed at 5%, and to the interest income arising from investments exempt from Puerto Rico income taxes, net of expenses attributable to the exempt income. 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margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The shifting of the FDIC-assisted acquisition, amount from a deferred tax asset of $7.7 million in 2012 to a deferred tax liability of $15.0 million in 2013 results from the reduction of the covered loans tax basis in 2013 caused by the ending of the market discount amortization, which increased the tax basis, during the second quarter of 2013</font><font style="font-family:Times New Roman;font-size:10pt;">.</font></p><p style='margin-top:9pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">In assessing the </font><font style="font-family:Times New Roman;font-size:10pt;">realizability</font><font style="font-family:Times New Roman;font-size:10pt;"> of the deferred tax asset, management considers whether it is more likely than not that some portion or the entire deferred tax asset will not be realized. The ultimate realization of the deferred tax asset is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax asset are deductible, management believes it is more likely than not that the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> will realize the benefits of these deductible differences, net of the existing valuation</font><font style="font-family:Times New Roman;font-size:10pt;"> allowances at December&#160;31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">. 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The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates that it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation process</font><font style="font-family:Times New Roman;font-size:10pt;">es</font><font style="font-family:Times New Roman;font-size:10pt;">, if any. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement. </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p> 2357000 2430000 1788000 On June 30, 2013 the Governor signed Act No. 40-2013, known as &#8220;Ley de Redistribuci&#243;n y Ajuste de la Carga Contributiva&#8221; (Act of Redistribution and Adjustment of Tax Burden), as amended. The main purpose of the Act is to increase government collections in order to alleviate the structural deficit. The most relevant provisions of the Act, as applicable to the Company, and effective for taxable years beginning after December 31,2012 are as follows: (1) the maximum Corporate Income Tax rate was increased from 30% to 39%; (2) the deduction allowed for determining the income subject to surtax was reduced from $750,000 to $25,000 (which must be allocated among the members of a controlled group of corporations); (3) the allowable Net Operating Loss (&#8220;NOL&#8221;) deduction was reduced to (i) 90% of the corporation&#8217;s net income subject to regular tax for purposes of computing the regular income tax, and (ii) 80% of the alternative minimum taxable income for purposes of computing the alternative minimum tax (&#8220;AMT&#8221;); (4) the NOL carryover period was extended from 10 to 12 years for NOLs incurred in taxable years beginning after December 31, 2004 and before January 1, 2013, and from 7 to 10 years for losses incurred in taxable years beginning after December 31, 2012; (5) a new special tax based on gross income (the &#8220;Special Tax&#8221;) was added to the Puerto Rico Internal Revenue Code of 2011, as further described below; and (6) a special tax of 1% was imposed on insurance premiums earned after June 30, 2013. 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTE 1</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">9</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;">&#8212;</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> STOCKHOLDERS' EQUIT</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Y AND EARNINGS PER </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">COMMON </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">SHARE</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;font-style:italic;margin-left:13.5px;">Regulatory Capital Requirements</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> (on a consolidated basis) and the Bank are subject to various regulatory capital requirements</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">administered by </font><font style="font-family:Times New Roman;font-size:10pt;">federal </font><font style="font-family:Times New Roman;font-size:10pt;">and Puerto Rico </font><font style="font-family:Times New Roman;font-size:10pt;">banking agencies. Failure to meet minimum capital requirements can initiate certain</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">material effect on the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s and the Bank's financial statements. Under capital adequacy guidelines and the</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">regulatory framework for prompt corrective action, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Bank must meet specific capital </font><font style="font-family:Times New Roman;font-size:10pt;">guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. </font><font style="font-family:Times New Roman;font-size:10pt;">Pursuant to </font><font style="font-family:Times New Roman;font-size:10pt;">the </font><font style="font-family:Times New Roman;font-size:10pt;">Dodd-Frank Act, </font><font style="font-family:Times New Roman;font-size:10pt;">federal banking regulators</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">have adopted new capital rules that are scheduled to </font><font style="font-family:Times New Roman;font-size:10pt;">become effective January 1, 2014 for advanced approaches ban</font><font style="font-family:Times New Roman;font-size:10pt;">king organizations and January 1</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">2015 for all other covered organizations</font><font style="font-family:Times New Roman;font-size:10pt;"> (subject to certain phase-in periods through January 1, 2019) and that will replace their general risk-based capital rules, advanced approaches rule, market risk rule, and leverage rules.</font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">Quantitative measures established by regulation to ensure capital adequacy </font><font style="font-family:Times New Roman;font-size:10pt;">currently </font><font style="font-family:Times New Roman;font-size:10pt;">require the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> and the Bank to</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the regulations) to risk-weighted assets (as defined in the regulations) and of Tier 1 capital to average </font><font style="font-family:Times New Roman;font-size:10pt;">total </font><font style="font-family:Times New Roman;font-size:10pt;">assets (as</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">defined in </font><font style="font-family:Times New Roman;font-size:10pt;">the regulations</font><font style="font-family:Times New Roman;font-size:10pt;">). 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As of </font><font style="font-family:Times New Roman;font-size:10pt;">Dec</font><font style="font-family:Times New Roman;font-size:10pt;">ember</font><font style="font-family:Times New Roman;font-size:10pt;"> 3</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 201</font><font style="font-family:Times New Roman;font-size:10pt;">3</font><font style="font-family:Times New Roman;font-size:10pt;"> and 201</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;">, the Bank i</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">&#8220;well capitalized&#8221; under the regulatory framework for prompt corrective</font><font style="font-family:Times New Roman;font-size:10pt;"> action. 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 11px; text-align:left;border-color:#000000;min-width:11px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 250px; text-align:left;border-color:#000000;min-width:250px;"><font style="FONT-WEIGHT: bold;TEXT-DECORATION: underline;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">As of December 31, 2013</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:left;border-color:#000000;min-width:65px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 230px; text-align:left;border-color:#000000;min-width:230px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Weighted</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Contract Life</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Weighted</font></td></tr><tr style="height: 16px"><td style="width: 230px; text-align:left;border-color:#000000;min-width:230px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Number of</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:82px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">(Years)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Options</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Exercise Price</font></td></tr><tr style="height: 16px"><td style="width: 230px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 280px; text-align:left;border-color:#000000;min-width:280px;">&#160;</td><td colspan="8" style="width: 352px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:352px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 16px"><td style="width: 280px; text-align:left;border-color:#000000;min-width:280px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td colspan="2" style="width: 110px; 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The shares of common stock repurchased are to be held by the Company as treasury shares. 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 397px; text-align:left;border-color:#000000;min-width:397px;">&#160;</td><td colspan="2" style="width: 110px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">December 31,</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 110px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">December 31,</font></td></tr><tr style="height: 16px"><td style="width: 397px; text-align:left;border-color:#000000;min-width:397px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 16px"><td style="width: 397px; text-align:left;border-color:#000000;min-width:397px;">&#160;</td><td colspan="5" style="width: 230px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:230px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 34px"><td style="width: 397px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 242px; text-align:left;border-color:#000000;min-width:242px;">&#160;</td><td colspan="8" style="width: 282px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:282px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2013</font></td></tr><tr style="height: 17px"><td style="width: 242px; text-align:left;border-color:#000000;min-width:242px;">&#160;</td><td colspan="2" style="width: 101px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:101px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Net unrealized</font></td><td style="width: 6px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="2" style="width: 80px; 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text-align:left;border-color:#000000;min-width:164px;">&#160;</td><td style="width: 80px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Options </font></td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 90px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:90px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Price </font></td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 80px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Options </font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 80px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:80px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 13.69</font></td></tr><tr style="height: 20px"><td style="width: 164px; text-align:left;border-color:#000000;min-width:164px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">End of period</font></td><td style="width: 80px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:80px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 908,118</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Average</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 230px; text-align:left;border-color:#000000;min-width:230px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Weighted</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Contract Life</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:center;border-color:#000000;min-width:82px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Weighted</font></td></tr><tr style="height: 16px"><td style="width: 230px; text-align:left;border-color:#000000;min-width:230px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Number of</font></td><td style="width: 10px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 280px; text-align:left;border-color:#000000;min-width:280px;">&#160;</td><td colspan="8" style="width: 352px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:352px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 16px"><td style="width: 280px; text-align:left;border-color:#000000;min-width:280px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 11px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:11px;">&#160;</td><td colspan="2" style="width: 110px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 100px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:100px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 11,433</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 100px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:100px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 68,245</font></td></tr><tr style="height: 24px"><td style="width: 397px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 242px; text-align:left;border-color:#000000;min-width:242px;">&#160;</td><td colspan="8" style="width: 282px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:282px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2013</font></td></tr><tr style="height: 17px"><td style="width: 242px; text-align:left;border-color:#000000;min-width:242px;">&#160;</td><td colspan="2" style="width: 101px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:101px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Net unrealized</font></td><td style="width: 6px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td colspan="2" style="width: 80px; 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text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 2,460</font></td></tr><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;"> Net charge-offs/terminations</font></td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> (505)</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td></tr><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Balance at end of year</font></td><td style="width: 14px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:14px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 75px; 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The estimated losses to be absorbed under the credit recourse arrangements are recorded as</font><font style="font-family:Times New Roman;font-size:10pt;"> a liability when the loans are sold or credit recourse is assumed, and are updated </font><font style="font-family:Times New Roman;font-size:10pt;">on a quarterly basis</font><font style="font-family:Times New Roman;font-size:10pt;">. The expected loss, which represents the amount expected to be lost on a given loan, considers the probability of default and loss severity. The probability of default represents the probability that a loan in good standing would become </font><font style="font-family:Times New Roman;font-size:10pt;">120 days delinquent, in which case the Company is obligated to repurchase the loan</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">At December 31, </font><font style="font-family:Times New Roman;font-size:10pt;">2013, </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">91.4 </font><font style="font-family:Times New Roman;font-size:10pt;">or </font><font style="font-family:Times New Roman;font-size:10pt;">75</font><font style="font-family:Times New Roman;font-size:10pt;">%</font><font style="font-family:Times New Roman;font-size:10pt;"> of the</font><font style="font-family:Times New Roman;font-size:10pt;"> recourse obligation will extinguish during the next two years.</font></p><p style='margin-top:0pt; margin-bottom:6pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:10pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;"></font></p><p style='margin-top:0pt; margin-bottom:6pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">When the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> sells or securitizes mortgage loans, it generally makes customary representations and warranties regarding the characteristics of the loans sold. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s mortgage operations </font><font style="font-family:Times New Roman;font-size:10pt;">division </font><font style="font-family:Times New Roman;font-size:10pt;">group</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> conforming mortgage loans into pools which are exchanged for FNMA and GNMA mortgage-backed securities, which are generally sold to private investors, or are sold directly to FNMA or other private investors for cash. As required</font><font style="font-family:Times New Roman;font-size:10pt;"> under </font><font style="font-family:Times New Roman;font-size:10pt;">such mortgage backed securities</font><font style="font-family:Times New Roman;font-size:10pt;"> programs, quality review procedures are </font><font style="font-family:Times New Roman;font-size:10pt;">performed by the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> to ensure that asset guideline qualifications are met. To the extent the loans do not meet specified characteristics, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> may be required to repurchase such loans or indemnify for losses and bear any subsequent loss related to the loans. Repurchases </font><font style="font-family:Times New Roman;font-size:10pt;">during the </font><font style="font-family:Times New Roman;font-size:10pt;">year </font><font style="font-family:Times New Roman;font-size:10pt;">ended </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013 </font><font style="font-family:Times New Roman;font-size:10pt;">under </font><font style="font-family:Times New Roman;font-size:10pt;">the Company's </font><font style="font-family:Times New Roman;font-size:10pt;">representation and warr</font><font style="font-family:Times New Roman;font-size:10pt;">anty </font><font style="font-family:Times New Roman;font-size:10pt;">arrangements</font><font style="font-family:Times New Roman;font-size:10pt;">, excluding mortgage loans subject to credit recourse provisions referred above,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">approximated </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">12</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;">5</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million in unpaid</font><font style="font-family:Times New Roman;font-size:10pt;"> principal balance</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">(</font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2012 - </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">8.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million). 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At </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">serviced $</font><font style="font-family:Times New Roman;font-size:10pt;">1.</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;"> billion in m</font><font style="font-family:Times New Roman;font-size:10pt;">ortgage loans for third-parties</font><font style="font-family:Times New Roman;font-size:10pt;">. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> generally recovers funds advanced pursuant to these arrangements</font><font style="font-family:Times New Roman;font-size:10pt;"> from the mortgage owner, from liquidation proceeds when the mortgage loan is foreclosed or, in the case of FHA/VA loans, under the applicable FHA and VA insurance and guarantees programs. However, in the meantime, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> must absorb the cost of the funds it advances during the time the advance is outstanding. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> must also bear the costs of attempting to collect on delinquent and defaulted mortgage loans. In addition, if a defaulted loan is not cured, the mortgage loan would be canceled as part of the foreclosure proceedings and the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> would not receive any future servicing income with respect to that loan. At </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, the outstanding balance of funds advanced by the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> under such mortgage loan servicing agreements was </font><font style="font-family:Times New Roman;font-size:10pt;">approximately $</font><font style="font-family:Times New Roman;font-size:10pt;">2</font><font style="font-family:Times New Roman;font-size:10pt;">43</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">thousand</font><font style="font-family:Times New Roman;font-size:10pt;"> (December 31</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012 - $</font><font style="font-family:Times New Roman;font-size:10pt;">107</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">thousand</font><font style="font-family:Times New Roman;font-size:10pt;">). To the extent the mortgage loans underlying the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s servicing portfolio</font><font style="font-family:Times New Roman;font-size:10pt;"> experience increased delinquencies, the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> would be required to dedicate additional cash resources to comply with its obligation to advance funds as well as incur additional administrative costs related to increases in collection efforts.</font></p> 122300000 8900000 2000000 2500000 1955000 0 505000 2460000 0 2460000 0 <div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;">&#160;</td><td colspan="5" style="width: 184px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:184px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 17px"><td style="width: 410px; 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text-align:left;border-color:#000000;min-width:410px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;"> Additions from BBVAPR Acquisition</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 6px; text-align:left;border-color:#000000;min-width:6px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 2,460</font></td></tr><tr style="height: 17px"><td style="width: 410px; text-align:left;border-color:#000000;min-width:410px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;"> Net charge-offs/terminations</font></td><td style="width: 14px; 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If the customer fails to comply with the agreement, the beneficiary may draw on the standby letter of credit or financial guarantee as a remedy. The amount of credit risk involved in issuing letters of credit in the event of nonperformance is the face amount of the letter of credit or financial guarantee. These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. 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Rent expense for the </font><font style="font-family:Times New Roman;font-size:10pt;">year</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> ended</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012 and</font><font style="font-family:Times New Roman;font-size:10pt;"> 201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;"> amounted </font><font style="font-family:Times New Roman;font-size:10pt;">to $</font><font style="font-family:Times New Roman;font-size:10pt;">10.1</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">6.7</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and $</font><font style="font-family:Times New Roman;font-size:10pt;">6.1</font><font style="font-family:Times New Roman;font-size:10pt;"> million</font><font style="font-family:Times New Roman;font-size:10pt;">,</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">r</font><font style="font-family:Times New Roman;font-size:10pt;">espectively</font><font style="font-family:Times New Roman;font-size:10pt;">, and is</font><font style="font-family:Times New Roman;font-size:10pt;"> included in the &#8220;occupancy and equipment&#8221; caption in the </font><font style="font-family:Times New Roman;font-size:10pt;">consolidated</font><font style="font-family:Times New Roman;font-size:10pt;"> statements of operations</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Future</font><font style="font-family:Times New Roman;font-size:10pt;"> rental commitments under </font><font style="font-family:Times New Roman;font-size:10pt;">leases in effect at </font><font style="font-family:Times New Roman;font-size:10pt;">December 31, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, exclusive</font><font style="font-family:Times New Roman;font-size:10pt;"> of taxes, insurance, and maintenance expenses payable by the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">, are summarized as follows:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 250px; text-align:left;border-color:#000000;min-width:250px;"><font style="FONT-WEIGHT: bold;TEXT-DECORATION: underline;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Year Ending December 31,</font></td><td colspan="2" style="width: 92px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Minimum Rent</font></td></tr><tr style="height: 17px"><td style="width: 250px; text-align:left;border-color:#000000;min-width:250px;">&#160;</td><td colspan="2" style="width: 92px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:92px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 17px"><td style="width: 250px; 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text-align:left;border-color:#000000;min-width:250px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">2016</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:right;border-color:#000000;min-width:82px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">7,336</font></td></tr><tr style="height: 17px"><td style="width: 250px; text-align:left;border-color:#000000;min-width:250px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">2017</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 82px; text-align:right;border-color:#000000;min-width:82px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">6,709</font></td></tr><tr style="height: 17px"><td style="width: 250px; text-align:left;border-color:#000000;min-width:250px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">2018</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:397px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 16px"><td style="width: 397px; text-align:left;border-color:#000000;min-width:397px;">&#160;</td><td colspan="5" style="width: 230px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:230px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">(In thousands)</font></td></tr><tr style="height: 17px"><td style="width: 397px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:230px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">December 31,</font></td></tr><tr style="height: 16px"><td style="width: 397px; text-align:left;border-color:#000000;min-width:397px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 110px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:110px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2012</font></td></tr><tr style="height: 16px"><td style="width: 397px; 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border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Impaired commercial loans</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; 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text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 28,353</font></td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Foreclosed real estate</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 90,024</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 90,024</font></td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:center;border-color:#000000;min-width:89px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Investment securities available-for-sale</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 271px; 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text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 16,430</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 20,502</font></td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Servicing assets</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; 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border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Impaired commercial loans</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 28,353</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 28,353</font></td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Foreclosed real estate</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 90,024</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;">&#160;</td><td colspan="11" style="width: 426px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:426px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">December 31, 2012</font></td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;">&#160;</td><td colspan="11" style="width: 426px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:426px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: center;">Fair Value Measurements </font></td></tr><tr style="height: 16px"><td style="width: 271px; 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text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:center;border-color:#000000;min-width:89px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Investment securities available-for-sale</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 2,174,274</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 20,012</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 2,194,286</font></td></tr><tr style="height: 16px"><td style="width: 271px; 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text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 13,233</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 21,889</font></td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Servicing assets</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 10,795</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> 10,795</font></td></tr><tr style="height: 16px"><td style="width: 271px; 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border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 89px; border-top-style:double;border-top-width:3px;text-align:center;border-color:#000000;min-width:89px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 271px; text-align:left;border-color:#000000;min-width:271px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Impaired commercial loans</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; text-align:right;border-color:#000000;min-width:89px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;"> -</font></td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 89px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (976)</font></td></tr><tr style="height: 16px"><td style="width: 215px; text-align:left;border-color:#000000;min-width:215px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> Amortization</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,938</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 2,131</font></td></tr><tr style="height: 16px"><td style="width: 215px; 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text-align:left;border-color:#000000;min-width:90px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 90px; text-align:left;border-color:#000000;min-width:90px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 276px; text-align:left;border-color:#000000;min-width:276px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Deposits</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 90px; text-align:right;border-color:#000000;min-width:90px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 5,409,540</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 90px; 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margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">NOTE </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">2</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">3</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;">&#8211;</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">BUSINESS</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">SEGMENT</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">S</font><font style="font-family:Times New Roman;font-size:10pt;"> </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:4.5pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> segregates its businesses into the following major reportable segments of business: Banking, </font><font style="font-family:Times New Roman;font-size:10pt;">Financial Service</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;">, and Treasury. Management established the reportable segments based on the internal reporting used to evaluate performance and to assess where to allocate resources. Other factors such as the </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;">'s organization, nature of its products, distribution channels and economic characteristics of the products were also considered in the determination of the reportable segments. The </font><font style="font-family:Times New Roman;font-size:10pt;">Company</font><font style="font-family:Times New Roman;font-size:10pt;"> measures the performance of these reportable segments based on pre-established goals of different financial parameters such as net income, net interest income, loan production, and fees generated. 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Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, 2013</font><font style="font-family:Times New Roman;font-size:10pt;">, 2012</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and 201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 154px; text-align:left;border-color:#000000;min-width:154px;">&#160;</td><td colspan="17" style="width: 548px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:548px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2013</font></td></tr><tr style="height: 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style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 409,672</font></td></tr><tr style="height: 30px"><td style="width: 154px; text-align:left;border-color:#000000;min-width:154px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Provision for non-covered loan and lease losses</font></td><td style="width: 10px; 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text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,195</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,813</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,813)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 154px; text-align:left;border-color:#000000;min-width:154px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Intersegment expenses</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,813)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,813)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,813</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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style="width: 73px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 89,737</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 73px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 73px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 89,737</font></td></tr><tr style="height: 15px"><td style="width: 154px; text-align:left;border-color:#000000;min-width:154px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total assets </font></td><td style="width: 10px; 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style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;">&#160;</td><td colspan="17" style="width: 506px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:506px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2012</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:59px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 74px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Financial</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 94px; 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text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 59px; text-align:right;border-color:#000000;min-width:59px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 165,492</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 95,316</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 260,808</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (103,518)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (103,518)</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Net interest income</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:59px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 143,260</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (9,827)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 26,279</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Non-interest expenses</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; text-align:right;border-color:#000000;min-width:59px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (90,407)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (28,718)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (12,907)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (132,032)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (132,032)</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Intersegment revenue</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,594</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,594)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 235px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (411)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,594)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,594</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 20px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Income before 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style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 27,856</font></td></tr><tr style="height: 20px"><td style="width: 235px; 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:59px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 74px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Financial</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 73px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Total Major</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 75px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:75px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Consolidated</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;">&#160;</td><td colspan="2" style="width: 69px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:69px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Banking </font></td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 74px; 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style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 618</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,195</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:154px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Intersegment expenses</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,813)</font></td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,813</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 29px"><td style="width: 154px; text-align:left;border-color:#000000;min-width:154px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Income before 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style="width: 73px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 73px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 89,737</font></td></tr><tr style="height: 15px"><td style="width: 154px; text-align:left;border-color:#000000;min-width:154px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total assets </font></td><td style="width: 10px; border-top-style:double;border-top-width:3px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 73px; border-top-style:double;border-top-width:3px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:73px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 7,010,406</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:59px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 74px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:74px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Financial</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:60px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td colspan="2" style="width: 94px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:94px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Total Major</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:64px;">&#160;</td><td style="width: 10px; 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style="width: 64px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 157,290</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Provision for non-covered loan and lease losses</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (13,854)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 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text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 84px; text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,594</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,594)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Intersegment expenses</font></td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:59px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,183)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (411)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; 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style="width: 84px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:84px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 27,856</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 64px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">$</font></td><td style="width: 65px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 27,856</font></td></tr><tr style="height: 20px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Total assets</font></td><td style="width: 10px; 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style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;">&#160;</td><td colspan="17" style="width: 485px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:485px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31, 2011</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;">&#160;</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:59px;">&#160;</td><td style="width: 10px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (156,362)</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Net interest income</font></td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 59px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:59px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 103,184</font></td><td style="width: 10px; 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (18,113)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (10,564)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 63px; text-align:right;border-color:#000000;min-width:63px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (124,259)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (124,259)</font></td></tr><tr style="height: 15px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Intersegment revenue</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td 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text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 60px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:60px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (494)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 63px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:63px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> (1,431)</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> 1,431</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:10px;">&#160;</td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;"> -</font></td></tr><tr style="height: 20px"><td style="width: 235px; text-align:left;border-color:#000000;min-width:235px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;">Income before 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Roman;font-size:10pt;font-weight:bold;">&#160;O</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">FG BANCORP</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> (HOLDING COMPANY ONLY) FINANCIAL </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">I</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">NFORMATION </font></p><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:0px;">As a bank holding company subject to the regulations </font><font style="font-family:Times New Roman;font-size:10pt;">and supervisory guidance </font><font style="font-family:Times New Roman;font-size:10pt;">of the Federal Reserve Board, </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;"> 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style="font-family:Times New Roman;font-size:10pt;"> may also be affected by other regulatory requirements and policies, such as the maintenance of certain regulatory capital levels. </font><font style="font-family:Times New Roman;font-size:10pt;">During</font><font style="font-family:Times New Roman;font-size:10pt;"> the year ended December&#160;31, 2013, </font><font style="font-family:Times New Roman;font-size:10pt;">Oriental Insurance</font><font style="font-family:Times New Roman;font-size:10pt;"> and Oriental Financial Services</font><font style="font-family:Times New Roman;font-size:10pt;"> paid </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">12.4</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million, and $</font><font style="font-family:Times New Roman;font-size:10pt;">3.2</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million, respectively,</font><font style="font-family:Times New Roman;font-size:10pt;"> in</font><font style="font-family:Times New Roman;font-size:10pt;"> dividends to </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">During</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the year ended December&#160;31, 2012</font><font style="font-family:Times New Roman;font-size:10pt;">, the Bank paid $</font><font style="font-family:Times New Roman;font-size:10pt;">385</font><font style="font-family:Times New Roman;font-size:10pt;">.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million in dividends to</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">the Company</font><font style="font-family:Times New Roman;font-size:10pt;">. </font><font style="font-family:Times New Roman;font-size:10pt;">During </font><font style="font-family:Times New Roman;font-size:10pt;">the year ended December&#160;31, 201</font><font style="font-family:Times New Roman;font-size:10pt;">1</font><font style="font-family:Times New Roman;font-size:10pt;">, the Bank and Oriental Insurance </font><font style="font-family:Times New Roman;font-size:10pt;">paid $</font><font style="font-family:Times New Roman;font-size:10pt;">85</font><font style="font-family:Times New Roman;font-size:10pt;">.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million </font><font style="font-family:Times New Roman;font-size:10pt;">and $</font><font 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text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">Interest income</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">$</font></td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 400</font></td><td style="width: 14px; 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income</font></td><td style="width: 14px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 4,068</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 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border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: 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4,050</font></td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">Operating expenses</font></td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 6,003</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 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border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 3,053</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> 1,728</font></td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;">Net 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style="text-align:center;"><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">O</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">FG BANCORP</font></div><div style="text-align:center;"><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">CON</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">DENSED</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> STATEMENTS OF </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">COMPREHENSIVE INCOME</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> INFORMATION</font></div><div style="text-align:center;"><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">(Holding Company Only)</font></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 460px; text-align:center;border-color:#000000;min-width:460px;">&#160;</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:center;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:center;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:center;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;">&#160;</td><td colspan="8" style="width: 274px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:274px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">Year ended December 31,</font></td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;">&#160;</td><td colspan="2" style="width: 82px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:82px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 14px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td colspan="2" style="width: 82px; 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text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;"> Unrealized gain (loss) on securities available-for-sale</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: right;"> (519)</font></td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; 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right;"> 34,594</font></td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;">&#160;</td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;">&#160;</td><td colspan="8" style="width: 274px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:274px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">Year Ended December 31,</font></td></tr><tr style="height: 16px"><td style="width: 460px; text-align:left;border-color:#000000;min-width:460px;">&#160;</td><td colspan="2" style="width: 82px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:82px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 9pt;COLOR: #000000;TEXT-ALIGN: center;">2013</font></td><td style="width: 14px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:14px;">&#160;</td><td colspan="2" style="width: 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Holding Company Statements (Other Comprenhensive Income) (Details) link:presentationLink link:calculationLink link:definitionLink 402404 - Disclosure - Holding Company Statements (Cash Flow) (Details) link:presentationLink link:calculationLink link:definitionLink 402400 - Statement - Holding Company Statements (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 401403 - Disclosure - Borrowings (Repurchase Transaction Liability and Market Value of its Underlying Collateral) (Details) link:presentationLink link:calculationLink link:definitionLink 401201 - Disclosure - Accrued Interest Receivable and Other Assets (Accrued Interest)(Details) link:presentationLink link:calculationLink link:definitionLink 300200 - Disclosure - Guarantees (Tables) link:presentationLink link:calculationLink link:definitionLink 402001 - Disclosure - Guarantees (Changes in liabilty of estimated loss from credit recourse agreement) (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 4 ofg-20131231_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 5 ofg-20131231_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 6 ofg-20131231_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE EX-101.PRE 7 ofg-20131231_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE EX-10.16 8 ofg10kex101620131231.htm EXHIBIT 10.16  

 

 

EXHIBIT 10.16

 

 

AMENDMENT TO TECHNOLOGY OUTSOURCING AGREEMENT

 

            THIS AMENDMENT to the Technology Outsourcing Agreement dated January 26, 2007, as amended (the "Agreement"), is dated as of this 30th day of October, 2013 (the “Amendment Effective Date”) by and between OFG BANCORP (f/k/a Oriental Financial Group Inc.), a  Puerto Rico corporation, and Metavante Corporation, a Wisconsin corporation.  Capitalized terms used in this Amendment that are not otherwise defined herein shall have the meanings ascribed thereto in the Agreement.

 

      Effective October 1, 2009, Metavante Corporation became a wholly owned subsidiary of Fidelity National Information Services, Inc.  Any reference to “FIS” in any documentation or materials related to the Agreement or this Amendment shall mean a reference to Metavante Corporation.

 

            In consideration of the mutual promises and covenants contained herein, the parties agree to amend the Agreement as follows:

 

              1.              Amendment to the Agreement.   Subject to the terms and conditions of this Amendment, and pursuant to the terms and conditions of the Agreement, Metavante and Customer do hereby agree as follows:

                   a.   The Initial Term of the Agreement is hereby extended through May 31, 2019.

                   b.   The fees set forth on the pricing attachment, attached hereto, shall replace the fees for the same or                         similar Services originally set forth in the Services and Charges Schedule to the Agreement.

 

              2.              Continuance of Agreement.  Except as amended hereby, the terms and conditions of the Agreement shall remain in full force and effect.  To the extent this Amendment alters, amends, or modifies the Agreement, this Amendment shall take precedence over any conflicting provisions contained in the Agreement. 

 

              3.              Counterparts.  This Amendment may be executed in counterparts, each of which shall be an original, but such counterparts together shall constitute but one document.

 

            IN WITNESS WHEREOF, the parties hereto, through their respective duly authorized officers or agents, have executed and delivered this Amendment as of the Amendment Effective Date.

 

 

OFG BANCORP (“Customer”)                                                            METAVANTE CORPORATION (“Metavante”)

 

 

By:                           /s/ Ganesh Kumar                                                 By:                            /s/ Donna DellaRocco                           .

 

 

Name                       Ganesh Kumar                                                     Name:                      Donna DellaRocco                                .

                                 (Print Name)                                                                                        (Print Name)

 

Title:                         10/31/2013                                                            Title:                         Contracts Manager 11/4/2013              .

 

 

 

 

Pricing Attachment for OFG Bancorp

*The information in this attachment, which consists of three pages, is intentionally omitted because confidential treatment has been requested pursuant to Rule 24b-2 under the Securities Exchange Act of 1934, as amended.  Such information has been filed separately with the U.S. Securities and Exchange Commission.

 

 

 
 EX-21.1 9 ofg10kex21120131231.htm EXHIBIT 21.1  

 

 

EXHIBIT 21.1

LIST OF SUBSIDIARIES

A)       ORIENTAL BANK - an insured non-member commercial bank organized and existing under the laws of the Commonwealth of Puerto Rico.

SUBSIDIARIES OF ORIENTAL BANK:

1.        Oriental International Bank Inc. – an international banking entity organized and existing under the laws of the Commonwealth of Puerto Rico.

2.        Oriental Mortgage Corporation - a corporation organized and existing under the laws of the Commonwealth of Puerto Rico.

3.        EB Operating Number One, Inc. - a corporation organized and existing under the laws of the Commonwealth of Puerto Rico, which was created to manage certain foreclosed real property that has rental operations.

B)       ORIENTAL FINANCIAL SERVICES CORP. - a registered securities broker-dealer organized and existing under the laws of the Commonwealth of Puerto Rico.

C)       ORIENTAL INSURANCE, INC. – a registered insurance agency organized and existing under the laws of the Commonwealth of Puerto Rico.

D)       CARIBBEAN PENSION CONSULTANTS, INC –  a corporation organized and existing under the laws of the State of Florida that offers third party pension plan administration in the continental U.S., Puerto Rico and the Caribbean.

E)       ORIENTAL FINANCIAL (PR) STATUTORY TRUST II –  a special purpose statutory trust organized under the laws of the State of Connecticut. 

 

 

 
 EX-23.1 10 ofg10kex23120131231.htm EXHIBIT 23.1  

 

EXHIBIT 23.1

I. CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

The Board of Directors

OFG Bancorp:

 

We consent to the incorporation by reference in the registration statements No. 333-191603, No. 333-170064, No. 333-147727, No. 333-102696, No. 333-57052, and No. 333-84473 on Form S-8 of OFG Bancorp (the Company) of our reports dated March 3, 2014, with respect to the consolidated statements of financial condition of the Company as of December 31, 2013 and 2012, and the related consolidated statements of operations, changes in stockholders’ equity, comprehensive income, and cash flows for each of the years in the three-year period ended December 31, 2013 and the effectiveness of internal control over financial reporting as of December 31, 2013, which reports appear in the annual report on Form 10-K of the Company for the year ended December 31, 2013.

 

/s/ KPMG LLP

San Juan, Puerto Rico

March 3, 2014

 

 

 
 EX-31.1 11 ofg10kex31120131231.htm EXHIBIT 31.1  

 

EXHIBIT 31.1

MANAGEMENT CERTIFICATION PURSUANT TO

SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, José Rafael Fernández, certify that:

1. I have reviewed this annual report on Form 10-K of OFG Bancorp;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f ) and 15d-15(f )) for the registrant and have:

a)       Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)       Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States of America.

c)       Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)       Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:

a)       All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b)       Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date March 3, 2014

 

 

 

By:

/s/ José Rafael Fernández

 

José Rafael Fernández

President and Chief Executive Officer

 

 

 
 EX-31.2 12 ofg10kex31220131231.htm EXHIBIT 31.2  

 

EXHIBIT 31.2

MANAGEMENT CERTIFICATION PURSUANT TO

SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Ganesh Kumar, certify that:

1. I have reviewed this annual report on Form 10-K of OFG Bancorp;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f ) and 15d-15(f )) for the registrant and have:

a)       Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)       Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States of America.

c)       Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)       Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors:

a)       All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b)       Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: March 3, 2014

 

 

 

By:

/s/ Ganesh Kumar

 

Ganesh Kumar

Executive Vice President and Chief Financial Officer

 

 

 
 EX-32.1 13 ofg10kex32120131231.htm EXHIBIT 32.1  

 

EXHIBIT 32.1

CERTIFICATION PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

(18 U.S.C. §1350)

In connection with OFG Bancorp’s annual report on Form 10-K for the year ended December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, José Rafael Fernández, President and Chief Executive Officer of OFG Bancorp, hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. §1350), that:

1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of OFG Bancorp.

In witness whereof, I execute this certification in San Juan, Puerto Rico, this 3rd day of March, 2014.  

 

 

 

By:

/s/ José Rafael Fernández

 

 

José Rafael Fernández

 

President and Chief Executive Officer

 

 

 
 EX-32.2 14 ofg10kex32220131231.htm EXHIBIT 32.2  

 

EXHIBIT 32.2

CERTIFICATION PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

(18 U.S.C. §1350)

In connection with OFG Bancorp’s annual report on Form 10-K for the year ended December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Ganesh Kumar, Executive Vice President and Chief Financial Officer of OFG Bancorp, hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. §1350), that:

1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of OFG Bancorp.

In witness whereof, I execute this certification in San Juan, Puerto Rico, this 3rd day of March, 2014.  

 

 

 

By:

/s/ Ganesh Kumar

 

Ganesh Kumar

Executive Vice President and Chief Financial Officer

 

 

 
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Servicing Assets (Tables)
 12 Months Ended
Dec. 31, 2013
Transfers And Servicing Of Financial Assets Abstract  
Schedule Of Servicing Assets At Fair Value Text Block

The following table presents the changes in servicing rights measured using the fair value method for the years ended December 31, 2013, 2012 and 2011:

  Year Ended December 31,
  2013 2012 2011
  (In thousands)
Fair value at beginning of year$ 10,795 $ 10,454 $ 9,695
Servicing from mortgage securitizations or asset transfers  3,177   1,867   2,458
Changes due to payments on loans  (950)   (1,107)   (976)
Changes in fair value due to changes in valuation model inputs or assumptions  779   (419)   (723)
Fair value at end of year$ 13,801 $ 10,795 $ 10,454
Schedule Of Assumptions For Fair Value On Securitization Date Of Interests Continued To Be Held By Transferor Servicing Assets Or Servicing Liabilities Text Block

The following table presents key economic assumption ranges used in measuring the mortgage-related servicing asset fair value for the years ended December 31, 2013, 2012 and 2011:

 Year Ended December 31,
 2013 2012 2011
Constant prepayment rate5.78% - 14.33% 8.51% - 16.29% 7.87% - 19.15%
Discount rate10.00% - 12.00% 10.50% - 13.50% 10.50% - 14.00%

The following table presents key economic assumption ranges used in measuring the leasing-related servicing asset fair value for the years ended December 31, 2012 and 2011:

 Year Ended December 31,
 2012 2011
Discount rate13.19% - 17.69% 13.22% - 17.38%
Schedule Of Sensitivity Analysis Of Fair Value Of Interests Continued To Be Held By Transferor Servicing Assets Or Servicing Liabilities Text Block

The sensitivity of the current fair value of servicing assets to immediate 10 percent and 20 percent adverse changes in the above key assumptions were as follows:

 December 31, 2013
 (In thousands)
Mortgage-related servicing asset  
Carrying value of mortgage servicing asset$ 13,801
Constant prepayment rate  
Decrease in fair value due to 10% adverse change$ (404)
Decrease in fair value due to 20% adverse change$ (787)
Discount rate  
Decrease in fair value due to 10% adverse change$ (649)
Decrease in fair value due to 20% adverse change$ (1,245)
XML 17 R142.htm IDEA: XBRL DOCUMENT v2.4.0.8
Segment Reporting (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Segment Reporting Information [Line Items]      
Total interest income $ 493,632 $ 260,808 $ 297,295
Interest expense (83,960) (103,518) (156,362)
Net interest income 409,672 157,290 140,933
Provision For Non Covered Loan And Lease Losses. (67,559) (13,854) (15,200)
Provision for Covered Loan and Lease Losses, net (5,335) (9,827) 1,387
Total non-interest income (loss), net 17,513 26,279 32,455
Non-interest expenses (264,554) (132,032) (124,259)
Total assets 8,158,015 9,211,758  
Banking [Member]
      
Segment Reporting Information [Line Items]      
Total interest income 445,363 165,492 136,294
Interest expense (42,044) (22,232) (33,110)
Net interest income 403,319 143,260 103,184
Provision For Non Covered Loan And Lease Losses. (67,559) (13,854) (15,200)
Provision for Covered Loan and Lease Losses, net (5,335) (9,827) 1,387
Total non-interest income (loss), net (17,020) (5,662) 16,647
Non-interest expenses (222,826) (90,407) (95,582)
Intersegment revenues 618 1,594 1,431
Intersegment expenses 0 0 0
Income (loss) before Income Taxes, Parent 91,197 25,104 11,867
Total assets 7,010,406 3,223,963 3,391,251
Financial Services
      
Segment Reporting Information [Line Items]      
Total interest income 354 0 0
Interest expense 0 0 0
Net interest income 354 0 0
Provision For Non Covered Loan And Lease Losses. 0 0 0
Provision for Covered Loan and Lease Losses, net 0 0 0
Total non-interest income (loss), net 30,614 25,155 20,917
Non-interest expenses (26,603) (28,718) (18,113)
Intersegment revenues 0 0 0
Intersegment expenses (1,813) (1,183) (937)
Income (loss) before Income Taxes, Parent 2,552 (4,746) 1,867
Total assets 23,280 18,875 14,557
Treasury [Member]
      
Segment Reporting Information [Line Items]      
Total interest income 47,915 95,316 161,001
Interest expense (41,916) (81,286) (123,252)
Net interest income 5,999 14,030 37,749
Provision For Non Covered Loan And Lease Losses. 0 0 0
Provision for Covered Loan and Lease Losses, net 0 0 0
Total non-interest income (loss), net 3,919 6,786 (5,109)
Non-interest expenses (15,125) (12,907) (10,564)
Intersegment revenues 1,195 0 0
Intersegment expenses 0 (411) (494)
Income (loss) before Income Taxes, Parent (4,012) 7,498 21,582
Total assets 2,253,558 6,839,661 3,995,279
Major Segment [Member]
      
Segment Reporting Information [Line Items]      
Total interest income 493,632 260,808 297,295
Interest expense (83,960) (103,518) (156,362)
Net interest income 409,672 157,290 140,933
Provision For Non Covered Loan And Lease Losses. (67,559) (13,854) (15,200)
Provision for Covered Loan and Lease Losses, net (5,335) (9,827) 1,387
Total non-interest income (loss), net 17,513 26,279 32,455
Non-interest expenses (264,554) (132,032) (124,259)
Intersegment revenues 1,813 1,594 1,431
Intersegment expenses (1,813) (1,594) (1,431)
Income (loss) before Income Taxes, Parent 89,737 27,856 35,316
Total assets 9,287,244 10,082,499 7,401,087
Intersegment Elimination [Member]
      
Segment Reporting Information [Line Items]      
Total interest income 0 0 0
Interest expense 0 0 0
Net interest income 0 0 0
Provision For Non Covered Loan And Lease Losses. 0 0 0
Provision for Covered Loan and Lease Losses, net 0 0 0
Total non-interest income (loss), net 0 0 0
Non-interest expenses 0 0 0
Intersegment revenues (1,813) (1,594) (1,431)
Intersegment expenses 1,813 1,594 1,431
Income (loss) before Income Taxes, Parent 0 0 0
Total assets $ (1,129,229) $ (870,741) $ (696,107)
XML 18 R112.htm IDEA: XBRL DOCUMENT v2.4.0.8
Borrowings (Federal fund purchased) (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Disclosure Of Federal Fund Purchased [Line Items]    
Average Daily Aggregate Balance Outstanding $ 1,353,011 $ 2,888,558
Maximum Outstanding Balance At Any Month End 1,552,269 3,060,578
Federal Fund Purchased Weighted Average Interest Rate During Year 0.30% 30.00%
Federal Fund Purchased Weighted Average Interest Rate At Year End 0.00% 30.00%
FederalFundsPurchasedMember
    
Disclosure Of Federal Fund Purchased [Line Items]    
Federal Funds Purchased 0 9,901
Average Daily Aggregate Balance Outstanding 16,690 10,167
Maximum Outstanding Balance At Any Month End $ 29,612 $ 9,901
XML 19 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
Business Combinations (Narrative) (Details)
 12 Months Ended
Dec. 31, 2013
Business Combination, Description  
Business Acquisition, Name of Acquired Entity BBVAPR Bank
Business Acquisition Effective Date Of Acquisition1 Dec. 18, 2012
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Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2013
Income Taxes [Abstract]  
Schedule Of Components Of Income Tax Expense Benefit Table Text Block

The components of income tax expense (benefit) for the years ended December 31, 2013, 2012 and 2011 are as follows

 Year Ended December 31,
 2013 2012 2011
 (In thousands)
Current income tax expense$ 2,357 $ 1,788 $ 2,430
Deferred income tax expense(benefit)  (11,066)   1,513   (1,564)
 $ (8,709) $ 3,301 $ 866
Schedule Of Effective Income Tax Rate Reconciliation Table Text Block
 Year Ended December 31,
 2013 2012 2011
 Amount Rate Amount Rate Amount Rate
 (Dollars in thousands)
Tax at statutory rates$ 34,997 39.00% $ 8,357 30.00% $ 10,595 30.00%
Tax effect of exempt income, net  (4,652) -4.90%   (3,461) -12.42%   (10,512) -29.77%
Effect of tax rate on capital loss carryforwards  840 0.94%   (4,361) -15.66%   (1,535) -4.34%
Change in valuation allowance  1,896 2.11%   (554) -1.99%   (1,292) -3.66%
Income tax contingencies provision (credit)  (1,559) -1.57%   114 0.41%   (2,807) -7.95%
Effect in deferred taxes due to increase in tax rates              
from 30.00% to 39.00%  (38,068) -43.04%   - 0.00%   - 0.00%
Effect in deferred taxes due to reduction in tax rates              
from 40.95% to 30.00%  - 0.00%   - 0.00%   5,179 14.66%
Effect of change in tax of IBE  148 0.17%   2,383 8.55%   499 1.41%
Other items, net  (2,311) -2.58%   823 2.96%   739 2.10%
Income tax expense (benefit)$ (8,709) -9.70% $ 3,301 11.85% $ 866 2.45%
Schedule Of Deferred Tax Assets And Liabilities Table Text Block

The components of the Company's deferred tax asset, net, at December 31, 2013 and 2012 are as follows:

 

 December 31,
 2013 2012
 (In thousands)
Deferred tax asset:     
Allowance for loan and lease losses and other reserves$ 41,741 $ 28,214
FDIC-assisted acquisition, net  -   7,653
BBVAPR loans and other real estate valuation adjustments  98,746   89,186
BBVAPR operating loss carryforwards  6,825   5,250
BBVAPR deposit and borrowings valuation adjustment  924   4,069
BBVAPR other deferred tax assets, net  5,272   6,650
Deferred loan origination fees, net  869   1,123
Unrealized net loss included in other comprehensive income  4,479   5,299
S&P option contracts  5,610   4,663
Net capital and operating loss carryforwards  29,004   13,585
Other deferred tax assets  8,245   7,362
Total gross deferred tax asset  201,715   173,054
      
Deferred tax liability:     
FDIC shared-loss indemnification asset (20,783)  (18,698)
FDIC-assisted acquisition, net (15,021)   -
BBVAPR core deposit and customer relationship intangibles (4,646)  (4,034)
BBVAPR building valuation adjustment (10,883)  (8,708)
Unrealized net gain on available-for-sale securities (1,478)  (6,598)
Servicing asset (5,374)  (3,222)
Other deferred tax liabilities (1,653)  (2,725)
Total gross deferred tax liabilities (59,838) $(43,985)
Less: valuation allowance (4,313)  (2,417)
Net deferred tax asset$ 137,564 $ 126,652

XML 22 R121.htm IDEA: XBRL DOCUMENT v2.4.0.8
Stockholders Equity (Narratives) (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Average Fair Value $ 5.94 $ 5.41 $ 6.48
Issuance Costs Stock $ 10,100,000 $ 13,600,000  
Legal Surplus 62,000,000 52,100,000  
Weighted average stock anti dilutive effect excluded from calculation of earnings per share 230,392 697,976  
Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Authorized 1,500,000    
Share Based Compensation Arrangement By Share Based Payment Award Number Of Additional Shares Authorized 1,437,176    
Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1 2 years 8 months    
Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized 4,100,000    
Stock Repurchase Program, Authorized Amount 70,000,000    
Total number of shares purchased   603,000 2,783,000
Treasury Stock Acquired, Average Cost Per Share   $ 11.61 $ 10.57
Treasury Stock, Value, Acquired, Cost Method 0 7,022,000 58,775,000
Stock Repurchase Program Remaining Authorized Repurchase Amount 33,600,000    
Seventy Millions Repurchase Program [Member]
      
Treasury Stock, Value, Acquired, Cost Method   $ 7,000,000 $ 29.4
Convertible Preferred Stock Member
      
Stock sold price per share in connection with most recent acquisition   $ 11.77  
Series D Preferred Stock Member
      
Amount of stocks sold in connection with most recent acquisition   960,000  
Stock sold price per share in connection with most recent acquisition   $ 25  
Common Stock [Member]
      
Amount of stocks sold in connection with most recent acquisition   4,829,267  
Stock sold price per share in connection with most recent acquisition   $ 11.10  
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