Accounts Notes And Loans Receivable [Line Items]

Corporation's Nonaccrual Status and Loans 90 Days or More Still Accruing [Table text Block]

The following tables present by portfolio classes the amortized cost basis of loans on nonaccrual status and loans 90 days or more still accruing as of March 31, 2020 and December 31, 2019 and the interest income recognized on nonaccrual loans for the quarter ended March 31, 2020:

		As of March 31, 2020										As of December 31, 2019
Puerto Rico and Virgin Islands region		Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing		Interest Income Recognized on Nonaccrual Loans		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing
(In thousands)		Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing		Interest Income Recognized on Nonaccrual Loans		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing

Residential mortgage loans, mainly secured
by first mortgages:
	FHA\VA government-guaranteed	$	-	$	-	$	-	$	77,637	$	-	$	-	$	81,011
	Conventional residential mortgage loans		34,603		74,117		108,720		37,968		294		108,117		40,208
Construction loans			6,991		2,672		9,663		29		20		9,782		-
Commercial mortgage loans			12,687		23,266		35,953		4,072		74		40,076		2,222
Commercial and Industrial loans			5,979		13,463		19,442		6,510		32		18,458		7,061
Consumer Loans:
Auto loans			37		14,764		14,801		-		50		12,057		-
Finance leases			-		1,925		1,925		-		11		1,354		-
Personal loans			-		1,498		1,498		-		19		1,523		-
Credit cards			-		-		-		4,513		-		-		4,411
Other consumer loans			1,032		3,931		4,963		-		5		5,016		-
Total loans held for investment ^{(1) (2) (3)}		$	61,329	$	135,636	$	196,965	$	130,729	$	505	$	196,383	$	134,913

		As of March 31, 2020										As of December 31, 2019
Florida region		Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing		Interest Income Recognized on Nonaccrual Loans		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing
(In thousands)		Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing		Interest Income Recognized on Nonaccrual Loans		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing

Residential mortgage loans, mainly secured
by first mortgages:
	FHA\VA government-guaranteed	$	-	$	-	$	-	$	129	$	-	$	-	$	129
	Conventional residential mortgage loans		196		13,987		14,183		-		83		13,291		-
Construction loans			-		-		-		-		-		-		-
Commercial mortgage loans			-		-		-		583		-		-		-
Commercial and Industrial loans			292		-		292		-		19		315		-
Consumer Loans:
Auto loans			-		126		126		-		2		163		-
Finance leases			-		-		-		-		-		-		-
Personal loans			-		254		254		-		2		5		-
Credit cards			-		-		-		-		-		-		-
Other consumer loans			475		-		475		-		4		511		-
Total loans held for investment ⁽¹⁾		$	963	$	14,367	$	15,330	$	712	$	110	$	14,285	$	129

		As of March 31, 2020										As of December 31, 2019
Total		Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing		Interest Income Recognized on Nonaccrual Loans		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing
(In thousands)		Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing		Interest Income Recognized on Nonaccrual Loans		Total Nonaccrual Loans		Loans Past Due 90 days or more and Still Accruing


Residential mortgage loans, mainly secured
by first mortgages:
	FHA\VA government-guaranteed	$	-	$	-	$	-	$	77,766	$	-	$	-	$	81,140
	Conventional residential mortgage loans		34,799		88,104		122,903		37,968		377		121,408		40,208
Construction loans			6,991		2,672		9,663		29		20		9,782		-
Commercial mortgage loans			12,687		23,266		35,953		4,655		74		40,076		2,222
Commercial and Industrial loans			6,271		13,463		19,734		6,510		51		18,773		7,061
Consumer Loans:
Auto loans			37		14,890		14,927		-		52		12,220		-
Finance leases			-		1,925		1,925		-		11		1,354		-
Personal loans			-		1,752		1,752		-		21		1,528		-
Credit cards			-		-		-		4,513		-		-		4,411
Other consumer loans			1,507		3,931		5,438		-		9		5,527		-
Total loans held for investment ^{(1) (2) (3)}		$	62,292	$	150,003	$	212,295	$	131,441	$	615	$	210,668	$	135,042

Corporation's Credit Quality Indicators [Table text Block]

Based on the most recent analysis performed, the amortized cost of commercial and construction loans by portfolio classes and by origination year based on the internal credit-risk category as of March 13, 2020 and the amortized cost of commercial and construction loans by portfolio classes based on the internal credit-risk category as of December 31, 2019 was as follows:

	As of March 31, 2020
Puerto Rico and Virgin Islands Region	Term Loans																As of December 31, 2019
Puerto Rico and Virgin Islands Region	Amortized Cost Basis by Origination Year																As of December 31, 2019
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total

CONSTRUCTION
Risk Ratings:
Pass	$	5,033	$	13,945	$	3,170	$	14,629	$	5,329	$	3,992	$	-	$	46,098	$	35,680
Criticized:
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		886		1,858		-		5,150		4,521		-		12,415		12,566
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total construction loans	$	5,033	$	14,831	$	5,028	$	14,629	$	10,479	$	8,513	$	-	$	58,513	$	48,246

COMMERCIAL MORTGAGE
Risk Ratings:
Pass	$	86,063	$	295,273	$	175,341	$	42,555	$	73,336	$	260,877	$	13	$	933,458	$	891,298
Criticized:
Special Mention		284		-		-		79,998		-		11,205		-		91,487		13,080
Substandard		-		-		-		-		2,337		52,107		-		54,444		175,522
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total commercial mortgage loans	$	86,347	$	295,273	$	175,341	$	122,553	$	75,673	$	324,189	$	13	$	1,079,389	$	1,079,900

COMMERCIAL AND INDUSTRIAL
Risk Ratings:
Pass	$	10,811	$	225,388	$	146,464	$	138,815	$	55,130	$	304,636	$	423,165	$	1,304,409	$	1,321,804
Criticized:
Special Mention		-		-		573		933		82		9,175		8,485		19,248		39,327
Substandard		-		96		2,491		98		1,197		38,136		5,753		47,771		27,265
Doubtful		-		-		-		-		-		-		-		-		2,768
Loss		-		-		-		-		-		-		-		-		249
Total commercial and industrial loans	$	10,811	$	225,484	$	149,528	$	139,846	$	56,409	$	351,947	$	437,403	$	1,371,428	$	1,391,413

					As of March 31, 2020
					Term Loans												As of December 31, 2019
Florida Region					Amortized Cost Basis by Origination Year												As of December 31, 2019
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total

CONSTRUCTION
Risk Ratings:
Pass	$	30,335	$	9,744	$	39,703	$	17,064	$	-	$	-	$	4,316	$	101,162	$	63,071
Criticized:
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total construction loans	$	30,335	$	9,744	$	39,703	$	17,064	$	-	$	-	$	4,316	$	101,162	$	63,071

COMMERCIAL MORTGAGE
Risk Ratings:
Pass	$	1,314	$	82,887	$	36,929	$	46,347	$	52,333	$	90,578	$	64,661	$	375,049	$	364,370
Criticized:
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		315		-		315		316
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total commercial mortgage loans	$	1,314	$	82,887	$	36,929	$	46,347	$	52,333	$	90,893	$	64,661	$	375,364	$	364,686

COMMERCIAL AND INDUSTRIAL
Risk Ratings:
Pass	$	34,894	$	244,020	$	152,326	$	164,636	$	21,747	$	65,450	$	179,979	$	863,052	$	837,697
Criticized:
Special Mention		-		-		-		-		-		-		-		-		1,766
Substandard		-		-		-		-		-		1,738		-		1,738		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total commercial and industrial loans	$	34,894	$	244,020	$	152,326	$	164,636	$	21,747	$	67,188	$	179,979	$	864,790	$	839,463

	As of March 31, 2020
Total	Term Loans																As of December 31, 2019
	Amortized Cost Basis by Origination Year																As of December 31, 2019
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total

CONSTRUCTION
Risk Ratings:
Pass	$	35,368	$	23,689	$	42,873	$	31,693	$	5,329	$	3,992	$	4,316	$	147,260	$	98,751
Criticized:
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		886		1,858		-		5,150		4,521		-		12,415		12,566
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total construction loans	$	35,368	$	24,575	$	44,731	$	31,693	$	10,479	$	8,513	$	4,316	$	159,675	$	111,317

COMMERCIAL MORTGAGE
Risk Ratings:
Pass	$	87,377	$	378,159	$	212,270	$	88,902	$	125,669	$	351,455	$	64,674	$	1,308,506	$	1,255,668
Criticized:
Special Mention		284		-		-		79,999		-		11,205		-		91,488		13,080
Substandard		-		-		-		-		2,337		52,422		-		54,759		175,838
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total commercial mortgage loans	$	87,661	$	378,159	$	212,270	$	168,901	$	128,006	$	415,082	$	64,674	$	1,454,753	$	1,444,586

COMMERCIAL AND INDUSTRIAL
Risk Ratings:
Pass	$	45,706	$	469,408	$	298,790	$	303,451	$	76,877	$	370,085	$	603,144	$	2,167,461	$	2,159,501
Criticized:
Special Mention		-		-		573		933		82		9,175		8,485		19,248		39,327
Substandard		-		96		2,491		98		1,197		39,874		5,753		49,509		29,031
Doubtful		-		-		-		-		-		-		-		-		2,768
Loss		-		-		-		-		-		-		-		-		249
Total commercial and industrial loans	$	45,706	$	469,504	$	301,854	$	304,482	$	78,156	$	419,134	$	617,382	$	2,236,218	$	2,230,876

The following table presents the amortized cost in residential mortgage loans by origination year based on original loan-to-value-ratio (LTV) and original credit scores as of March 31, 2020 and the amortized cost in residential mortgage loans by original LTV and original credit scores as of December 31, 2019:

	As of March 31, 2020																As of December 31, 2019
	Term Loans
RESIDENTIAL MORTGAGES	Amortized Cost Basis by Origination Year
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total


Puerto Rico and Virgin Islands region:
FHA/VA government-guaranteed loans	$	-	$	356	$	2,130	$	2,770	$	5,739	$	106,332	$	-	$	117,327	$	122,429
Conventional residential mortgage loans:
Original LTV
Less than or equal to 90 percent		10,306		63,081		98,430		64,562		85,527		1,331,475		-		1,653,381		1,684,340
Greater than 90 percent but less than
or equal to 100 percent		163		1,567		5,073		2,414		11,432		429,446		-		450,095		460,879
Greater than 100 percent		-		926		5,497		3,138		7,323		80,485		-		97,369		99,939
Total residential mortgages in
Puerto Rico and Virgin Islands region	$	10,469	$	65,930	$	111,130	$	72,884	$	110,021	$	1,947,738	$	-	$	2,318,172	$	2,367,587

Florida region:
FHA/VA government-guaranteed loans	$	-	$	-	$	-	$	290	$	-	$	898	$	-	$	1,188	$	1,480
Conventional residential mortgage loans:
Original LTV
Less than or equal to 90 percent		8,591		56,229		69,912		97,647		89,226		219,892		-		541,497		549,850
Greater than 90 percent but less than
or equal to 100 percent		180		2,047		3,298		5,334		2,540		1,357		-		14,756		14,796
Greater than 100 percent		-		-		-		-		-		59		-		59		60
Total residential mortgages in Florida region	$	8,771	$	58,276	$	73,210	$	103,271	$	91,766	$	222,206	$	-	$	557,500	$	566,186

Total:
FHA/VA government-guaranteed loans	$	-	$	356	$	2,130	$	3,060	$	5,739	$	107,230	$	-	$	118,515	$	123,909
Conventional residential mortgage loans:
Original LTV
Less than or equal to 90 percent		18,897		119,310		168,342		162,209		174,753		1,551,367		-		2,194,878		2,234,190
Greater than 90 percent but less than
or equal to 100 percent		343		3,614		8,371		7,748		13,972		430,803		-		464,851		475,675
Greater than 100 percent		-		926		5,497		3,138		7,323		80,544		-		97,428		99,999
Total residential mortgages	$	19,240	$	124,206	$	184,340	$	176,155	$	201,787	$	2,169,944	$	-	$	2,875,672	$	2,933,773

	As of March 31, 2020																As of December 31, 2019
	Term Loans
RESIDENTIAL MORTGAGES	Amortized Cost Basis by Origination Year
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total


Puerto Rico and Virgin Islands region:
FHA/VA government-guaranteed loans	$	-	$	356	$	2,130	$	2,770	$	5,739	$	106,332	$	-	$	117,327	$	122,429
Conventional residential mortgage loans:
FICO Score
Less than 620		-		-		463		1,280		75		280,356		-		282,174		286,754
Greater than or equal to 620
and less than 680		89		2,223		7,359		6,920		7,781		380,022		-		404,394		416,766
Greater than or equal to 680
and less than 740		4,682		23,085		40,264		21,361		35,242		492,137		-		616,771		626,291
Greater than or equal to 740		5,698		40,266		60,914		40,553		61,184		688,891		-		897,506		915,347
Total residential mortgages in
Puerto Rico and Virgin Islands region	$	10,469	$	65,930	$	111,130	$	72,884	$	110,021	$	1,947,738	$	-	$	2,318,172	$	2,367,587

Florida region:
FHA/VA government-guaranteed loans	$	-	$	-	$	-	$	290	$	-	$	898	$	-	$	1,188	$	1,480
Conventional residential mortgage loans:
FICO Score
Less than 620		-		-		2,567		-		-		898		-		3,465		3,485
Greater than or equal to 620
and less than 680		264		5,155		3,643		10,412		11,910		18,380		-		49,764		51,164
Greater than or equal to 680
and less than 740		2,807		16,871		17,911		32,859		29,656		49,568		-		149,672		151,544
Greater than or equal to 740		5,700		36,250		49,089		59,710		50,200		152,462		-		353,411		358,513
Total residential mortgages in Florida region	$	8,771	$	58,276	$	73,210	$	103,271	$	91,766	$	222,206	$	-	$	557,500	$	566,186

Total:
FHA/VA government-guaranteed loans	$	-	$	356	$	2,130	$	3,060	$	5,739	$	107,230	$	-	$	118,515	$	123,909
Conventional residential mortgage loans:
FICO Score
Less than 620		-		-		3,030		1,280		75		281,254		-		285,639		290,239
Greater than or equal to 620
and less than 680		353		7,378		11,002		17,332		19,691		398,402		-		454,158		467,930
Greater than or equal to 680
and less than 740		7,489		39,956		58,175		54,220		64,898		541,705		-		766,443		777,835
Greater than or equal to 740		11,398		76,516		110,003		100,263		111,384		841,353		-		1,250,917		1,273,860
Total residential mortgages	$	19,240	$	124,206	$	184,340	$	176,155	$	201,787	$	2,169,944	$	-	$	2,875,672	$	2,933,773

The following table presents the amortized cost in consumer loans by origination year based on original credit scores as of March 31, 2020 and consumer loans based on original credit scores as of December 31, 2019:

CONSUMER	As of March 31, 2020
	Term Loans																As of December 31, 2019
Puerto Rico and Virgin Islands Region	Amortized Cost Basis by Origination Year																As of December 31, 2019
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total


Auto loans
Original FICO score
Less than 620	$	13,484	$	55,007	$	29,046	$	13,441	$	9,764	$	8,755	$	-	$	129,497	$	126,540
Greater than or equal to 620
and less than 680		36,068		160,298		104,758		47,050		24,460		23,238		-		395,872		388,890
Greater than or equal to 680
and less than 740		31,582		141,358		88,652		40,956		24,097		16,273		-		342,918		333,734
Greater than or equal to 740		30,328		110,340		58,096		33,387		22,474		13,362		-		267,987		255,196
Total auto loans	$	111,462	$	467,003	$	280,552	$	134,834	$	80,795	$	61,628	$	-	$	1,136,274	$	1,104,360

Finance leases
Original FICO score
Less than 620	$	917	$	6,052	$	5,140	$	2,259	$	737	$	591	$	-	$	15,696	$	15,852
Greater than or equal to 620
and less than 680		6,651		39,654		31,521		14,862		6,261		4,352		-		103,301		100,438
Greater than or equal to 680
and less than 740		11,902		64,512		53,723		22,471		14,122		8,562		-		175,292		170,034
Greater than or equal to 740		10,817		54,977		38,009		11,689		12,748		6,617		-		134,857		128,208
Total finance leases	$	30,287	$	165,195	$	128,393	$	51,281	$	33,868	$	20,122	$	-	$	429,146	$	414,532

Personal loans
Original FICO score
Less than 620	$	840	$	3,042	$	2,088	$	820	$	718	$	618	$	-	$	8,126	$	8,197
Greater than or equal to 620
and less than 680		4,901		27,691		12,014		4,921		1,849		1,032		-		52,408		52,712
Greater than or equal to 680
and less than 740		11,790		53,286		27,814		13,053		5,677		3,045		-		114,665		114,147
Greater than or equal to 740		8,746		40,676		26,457		12,686		6,275		2,857		-		97,697		98,668
Unscorable		-		-		-		-		-		-		-		-		369
Total personal loans	$	26,277	$	124,695	$	68,373	$	31,480	$	14,519	$	7,552	$	-	$	272,896	$	274,093

Credit cards
Original FICO score
Less than 620	$	-	$	-	$	-	$	-	$	-	$	-	$	10,823	$	10,823	$	11,247
Greater than or equal to 620
and less than 680		-		-		-		-		-		-		57,032		57,032		57,643
Greater than or equal to 680
and less than 740		-		-		-		-		-		-		124,289		124,289		126,977
Greater than or equal to 740		-		-		-		-		-		-		91,930		91,930		96,423
Total credit cards	$	-	$	-	$	-	$	-	$	-	$	-	$	284,074	$	284,074	$	292,290

Other consumer loans
Original FICO score
Less than 620	$	2,887	$	13,848	$	3,776	$	2,308	$	1,046	$	812	$	3,608	$	28,285	$	28,251
Greater than or equal to 620
and less than 680		7,984		33,375		9,625		5,282		2,455		7,012		1,982		67,715		68,727
Greater than or equal to 680
and less than 740		5,475		19,082		6,238		3,065		1,366		3,329		3,367		41,922		41,914
Greater than or equal to 740		1,234		5,074		1,630		928		408		2,115		1,692		13,081		13,359
Unscorable		-		-		-		-		-		2,613		398		3,011		3,605
Total other consumer loans	$	17,580	$	71,379	$	21,269	$	11,583	$	5,275	$	15,881	$	11,047	$	154,014	$	155,856

Total consumer loans in Puerto Rico and Virgin Islands region	$	185,606	$	828,272	$	498,587	$	229,178	$	134,457	$	105,183	$	295,121	$	2,276,404	$	2,241,131

CONSUMER	As of March 31, 2020
	Term Loans																As of December 31, 2019
Florida Region	Amortized Cost Basis by Origination Year																As of December 31, 2019
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total


Auto loans
Original FICO score
Less than 620	$	-	$	38	$	1,182	$	1,070	$	869	$	237	$	-	$	3,396	$	3,857
Greater than or equal to 620
and less than 680		-		625		5,286		4,316		2,122		812		-		13,161		15,052
Greater than or equal to 680
and less than 740		-		538		3,991		1,886		834		266		-		7,515		8,590
Greater than or equal to 740		-		352		1,758		409		148		39		-		2,706		2,996
Total auto loans	$	-	$	1,553	$	12,217	$	7,681	$	3,973	$	1,354	$	-	$	26,778	$	30,495

Finance leases
Original FICO score
Less than 620	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Greater than or equal to 620
and less than 680		-		-		-		-		-		-		-		-		-
Greater than or equal to 680
and less than 740		-		-		-		-		-		-		-		-		-
Greater than or equal to 740		-		-		-		-		-		-		-		-		-
Total finance leases	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Personal loans
Original FICO score
Less than 620	$	-	$	11	$	-	$	5	$	250	$	-	$	-	$	266	$	593
Greater than or equal to 620
and less than 680		10		-		-		-		-		-		-		10		-
Greater than or equal to 680
and less than 740		-		53		-		26		-		-		-		79		85
Greater than or equal to 740		-		-		-		70		-		-		-		70		71
Unscorable		-		-		-		-		-		-		-		-		33
Total personal loans	$	10	$	64	$	-	$	101	$	250	$	-	$	-	$	425	$	782

Credit cards
Original FICO score
Less than 620	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Greater than or equal to 620
and less than 680		-		-		-		-		-		-		-		-		-
Greater than or equal to 680
and less than 740		-		-		-		-		-		-		-		-		-
Greater than or equal to 740		-		-		-		-		-		-		-		-		-
Total credit cards	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Other consumer loans
Original FICO score
Less than 620	$	-	$	77	$	-	$	-	$	-	$	-	$	-	$	77	$	83
Greater than or equal to 620
and less than 680		189		-		-		109		29		631		96		1,054		874
Greater than or equal to 680
and less than 740		-		-		43		51		329		1,313		780		2,516		2,559
Greater than or equal to 740		-		-		-		25		325		2,908		2,117		5,375		5,573
Unscorable		-		-		-		-		-		-		-		-		156
Total other consumer loans	$	189	$	77	$	43	$	185	$	683	$	4,852	$	2,993	$	9,022	$	9,245

Total consumer loans in Florida region	$	199	$	1,694	$	12,260	$	7,967	$	4,906	$	6,206	$	2,993	$	36,225	$	40,522

CONSUMER	As of March 31, 2020
	Term Loans																As of December 31, 2019
Total	Amortized Cost Basis by Origination Year																As of December 31, 2019
(In thousands)	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Total		Total


Auto loans
Original FICO score
Less than 620	$	13,484	$	55,045	$	30,228	$	14,511	$	10,633	$	8,992	$	-	$	132,893	$	130,397
Greater than or equal to 620
and less than 680		36,068		160,923		110,044		51,366		26,582		24,050		-		409,033		403,942
Greater than or equal to 680
and less than 740		31,582		141,896		92,643		42,842		24,931		16,539		-		350,433		342,324
Greater than or equal to 740		30,328		110,692		59,854		33,796		22,622		13,401		-		270,693		258,192
Total auto loans	$	111,462	$	468,556	$	292,769	$	142,515	$	84,768	$	62,982	$	-	$	1,163,052	$	1,134,855

Finance leases
Original FICO score
Less than 620	$	917	$	6,052	$	5,140	$	2,259	$	737	$	591	$	-	$	15,696	$	15,852
Greater than or equal to 620
and less than 680		6,651		39,654		31,521		14,862		6,261		4,352		-		103,301		100,438
Greater than or equal to 680
and less than 740		11,902		64,512		53,723		22,471		14,122		8,562		-		175,292		170,034
Greater than or equal to 740		10,817		54,977		38,009		11,689		12,748		6,617		-		134,857		128,208
Total finance leases	$	30,287	$	165,195	$	128,393	$	51,281	$	33,868	$	20,122	$	-	$	429,146	$	414,532

Personal loans
Original FICO score
Less than 620	$	840	$	3,053	$	2,088	$	825	$	968	$	618	$	-	$	8,392	$	8,790
Greater than or equal to 620
and less than 680		4,911		27,691		12,014		4,921		1,849		1,032		-		52,418		52,712
Greater than or equal to 680
and less than 740		11,790		53,339		27,814		13,079		5,677		3,045		-		114,744		114,232
Greater than or equal to 740		8,746		40,676		26,457		12,756		6,275		2,857		-		97,767		98,739
Unscorable		-		-		-		-		-		-		-		-		402
Total personal loans	$	26,287	$	124,759	$	68,373	$	31,581	$	14,769	$	7,552	$	-	$	273,321	$	274,875

Credit cards
Original FICO score
Less than 620	$	-	$	-	$	-	$	-	$	-	$	-	$	10,823	$	10,823	$	11,247
Greater than or equal to 620
and less than 680		-		-		-		-		-		-		57,032		57,032		57,643
Greater than or equal to 680
and less than 740		-		-		-		-		-		-		124,289		124,289		126,977
Greater than or equal to 740		-		-		-		-		-		-		91,930		91,930		96,423
Total credit cards	$	-	$	-	$	-	$	-	$	-	$	-	$	284,074	$	284,074	$	292,290

Other consumer loans
Original FICO score
Less than 620	$	2,887	$	13,925	$	3,776	$	2,308	$	1,046	$	812	$	3,608	$	28,362	$	28,334
Greater than or equal to 620
and less than 680		8,173		33,375		9,625		5,391		2,484		7,643		2,078		68,769		69,601
Greater than or equal to 680
and less than 740		5,475		19,082		6,281		3,116		1,695		4,642		4,147		44,438		44,473
Greater than or equal to 740		1,234		5,074		1,630		953		733		5,023		3,809		18,456		18,932
Unscorable		-		-		-		-		-		2,613		398		3,011		3,761
Total other consumer loans	$	17,769	$	71,456	$	21,312	$	11,768	$	5,958	$	20,733	$	14,040	$	163,036	$	165,101

Total consumer loans	$	185,805	$	829,966	$	510,847	$	237,145	$	139,363	$	111,389	$	298,114	$	2,312,629	$	2,281,653

Accounts Notes And Loans Receivable [Line Items]

Troubled Debt Restructurings On Financing Receivables Table [Text Block]

	As of March 31, 2020
Puerto Rico and Virgin Islands region	Interest rate below market		Maturity or term extension		Combination of reduction in interest rate and extension of maturity		Forgiveness of principal and/or interest		Forbearance Agreement		Other (1)		Total
(In thousands)
TDRs:
Conventional residential mortgage loans	$	18,096	$	11,566	$	214,077	$	-	$	223	$	63,921	$	307,883
Construction loans		23		2,436		1,634		-		-		182		4,275
Commercial mortgage loans		890		1,404		38,850		-		19,776		7,933		68,853
Commercial and industrial loans		561		14,786		11,481		-		19,056		36,543		82,427
Consumer loans:
Auto loans		-		705		6,622		-		-		6,766		14,093
Finance leases		-		33		897		-		-		621		1,551
Personal loans		24		36		773		-		-		241		1,074
Credit cards		-		-		2,733		21		-		-		2,754
Other consumer loans		1,938		1,146		742		177		-		340		4,343
Total Troubled Debt Restructurings in Puerto Rico
and Virgin Islands region	$	21,532	$	32,112	$	277,809	$	198	$	39,055	$	116,547	$	487,253

	As of March 31, 2020
Florida region	Interest rate below market		Maturity or term extension		Combination of reduction in interest rate and extension of maturity		Forgiveness of principal and/or interest		Forbearance Agreement		Other (1)		Total
(In thousands)
TDRs:
Conventional residential mortgage loans	$	1,002	$	410	$	2,037	$	-	$	-	$	31	$	3,480
Construction loans		-		-		-		-		-		-		-
Commercial mortgage loans		2,876		855		1,748		-		-		-		5,479
Commercial and industrial loans		-		-		-		-		-		292		292
Consumer loans:
Auto loans		-		74		19		-		-		-		93
Finance leases		-		-		-		-		-		-		-
Personal loans		-		-		-		-		-		-		-
Credit cards		-		-		-		-		-		-		-
Other consumer loans		37		-		181		-		-		480		698
Total Troubled Debt Restructurings in Florida Region	$	3,915	$	1,339	$	3,985	$	-	$	-	$	803	$	10,042

	As of March 31, 2020
Total	Interest rate below market		Maturity or term extension		Combination of reduction in interest rate and extension of maturity		Forgiveness of principal and/or interest		Forbearance Agreement		Other (1)		Total
(In thousands)
TDRs:
Conventional residential mortgage loans	$	19,098	$	11,976	$	216,114	$	-	$	223	$	63,952	$	311,363
Construction loans		23		2,436		1,634		-		-		182		4,275
Commercial mortgage loans		3,766		2,259		40,598		-		19,776		7,933		74,332
Commercial and industrial loans		561		14,786		11,481		-		19,056		36,835		82,719
Consumer loans:
Auto loans		-		779		6,641		-		-		6,766		14,186
Finance leases		-		33		897		-		-		621		1,551
Personal loans		24		36		773		-		-		241		1,074
Credit cards		-		-		2,733		21		-		-		2,754
Other consumer loans		1,975		1,146		923		177		-		820		5,041
Total Troubled Debt Restructurings	$	25,447	$	33,451	$	281,794	$	198	$	39,055	$	117,350	$	497,295


	As of December 31, 2019
Puerto Rico and Virgin Islands region	Interest rate below market		Maturity or term extension		Combination of reduction in interest rate and extension of maturity		Forgiveness of principal and/or interest		Forbearance Agreement		Other (1)		Total
(In thousands)
TDRs:
Conventional residential mortgage loans	$	18,561	$	11,188	$	219,618	$	-	$	142	$	63,638	$	313,147
Construction loans		24		2,469		1,639		-		-		189		4,321
Commercial mortgage loans		909		1,414		39,131		-		19,848		8,149		69,451
Commercial and industrial loans		579		16,160		12,077		142		692		36,884		66,534
Consumer loans:
Auto loans		-		801		7,374		-		-		6,249		14,424
Finance leases		-		40		1,066		-		-		426		1,532
Personal loans		26		43		845		-		-		159		1,073
Credit cards		-		-		2,767		24		-		-		2,791
Other consumer loans		2,020		1,196		770		180		-		337		4,503
Total Troubled Debt Restructurings in Puerto Rico
and Virgin Island region	$	22,119	$	33,311	$	285,287	$	346	$	20,682	$	116,031	$	477,776


	As of December 31, 2019
Florida region	Interest rate below market		Maturity or term extension		Combination of reduction in interest rate and extension of maturity		Forgiveness of principal and/or interest		Forbearance Agreement		Other (1)		Total
(In thousands)
TDRs:
Conventional residential mortgage loans	$	1,009	$	412	$	2,049	$	-	$	-	$	32	$	3,502
Construction loans		-		-		-		-		-		-		-
Commercial mortgage loans		2,901		862		1,765		-		-		-		5,528
Commercial and industrial loans		-		-		-		-		-		315		315
Consumer loans:
Auto loans		-		97		19		-		-		-		116
Finance leases		-		-		-		-		-		-		-
Personal loans		-		-		-		-		-		-		-
Credit cards		-		-		-		-		-		-		-
Other consumer loans		39		-		183		-		-		538		760
Total Troubled Debt Restructurings in Florida region	$	3,949	$	1,371	$	4,016	$	-	$	-	$	885	$	10,221


	As of December 31, 2019
Total	Interest rate below market		Maturity or term extension		Combination of reduction in interest rate and extension of maturity		Forgiveness of principal and/or interest		Forbearance Agreement		Other (1)		Total
(In thousands)
TDRs:
Conventional residential mortgage loans	$	19,570	$	11,600	$	221,667	$	-	$	142	$	63,670	$	316,649
Construction loans		24		2,469		1,639		-		-		189		4,321
Commercial mortgage loans		3,810		2,276		40,896		-		19,848		8,149		74,979
Commercial and industrial loans		579		16,160		12,077		142		692		37,199		66,849
Consumer loans:
Auto loans		-		898		7,393		-		-		6,249		14,540
Finance leases		-		40		1,066		-		-		426		1,532
Personal loans		26		43		845		-		-		159		1,073
Credit cards		-		-		2,767		24		-		-		2,791
Other consumer loans		2,059		1,196		953		180		-		875		5,263
Total Troubled Debt Restructurings	$	26,068	$	34,682	$	289,303	$	346	$	20,682	$	116,916	$	487,997

The following table presents the Corporation's TDR loans held for investment activity for the indicated periods:

	Quarter Ended
	March 31, 2020		March 31, 2019
(In thousands)
Beginning balance of TDRs	$	487,997	$	582,647
New TDRs		23,125		25,459
Increases to existing TDRs		103		1,175
Charge-offs post modification		(2,337)		(2,821)
Foreclosures		(1,611)		(3,643)
Paid-off, partial payments and other		(9,982)		(13,022)
Ending balance of TDRs	$	497,295	$	589,795

The following tables provide a breakdown of the TDR loans held for investment by those in accrual and nonaccrual status as of the indicated periods:

March 31, 2020	Puerto Rico and
	Virgin Islands region						Florida region						Total
	Accrual		Nonaccrual		Total TDRs		Accrual		Nonaccrual		Total TDRs		Accrual		Nonaccrual ⁽¹⁾		Total TDRs
(In thousands)
Conventional residential mortgage loans	$	253,077	$	54,806	$	307,883	$	3,420	$	60	$	3,480	$	256,497	$	54,866	$	311,363
Construction loans		3,200		1,075		4,275		-		-		-		3,200		1,075		4,275
Commercial mortgage loans		45,193		23,660		68,853		5,479		-		5,479		50,672		23,660		74,332
Commercial and industrial loans		73,531		8,896		82,427		-		292		292		73,531		9,188		82,719
Consumer loans:
Auto loans		7,928		6,165		14,093		93		-		93		8,021		6,165		14,186
Finance leases		1,544		7		1,551		-		-		-		1,544		7		1,551
Personal loans		1,052		22		1,074		-		-		-		1,052		22		1,074
Credit Cards		2,754		-		2,754		-		-		-		2,754		-		2,754
Other consumer loans		3,671		672		4,343		661		37		698		4,332		709		5,041
Total Troubled Debt Restructurings	$	391,950	$	95,303	$	487,253	$	9,653	$	389	$	10,042	$	401,603	$	95,692	$	497,295


December 31, 2019	Puerto Rico and
	Virgin Islands region						Florida region						Total
	Accrual		Nonaccrual		Total TDRs		Accrual		Nonaccrual		Total TDRs		Accrual		Nonaccrual ⁽¹⁾		Total TDRs
(In thousands)
Conventional residential mortgage loans	$	262,244	$	50,903	$	313,147	$	3,502	$	-	$	3,502	$	265,746	$	50,903	$	316,649
Construction loans		3,238		1,083		4,321		-		-		-		3,238		1,083		4,321
Commercial mortgage loans		45,534		23,917		69,451		5,528		-		5,528		51,062		23,917		74,979
Commercial and industrial loans		59,689		6,845		66,534		-		315		315		59,689		7,160		66,849
Consumer loans:
Auto loans		8,440		5,984		14,424		116		-		116		8,556		5,984		14,540
Finance leases		1,502		30		1,532		-		-		-		1,502		30		1,532
Personal loans		1,052		21		1,073		-		-		-		1,052		21		1,073
Credit Cards		2,791		-		2,791		-		-		-		2,791		-		2,791
Other consumer loans		3,898		605		4,503		723		37		760		4,621		642		5,263
Total Troubled Debt Restructurings	$	388,388	$	89,388	$	477,776	$	9,869	$	352	$	10,221	$	398,257	$	89,740	$	487,997

Loan modifications that are considered TDR loans completed during the first quarter of 2020 and 2019 were as follows:

March 31, 2020
	Number of contracts	Pre-modification Amortized Cost		Post-modification Amortized Cost		Number of contracts	Pre-modification Amortized Cost		Post-modification Amortized Cost		Number of contracts	Pre-modification Amortized Cost		Post-modification Amortized Cost
(Dollars in thousands)
TDRs:
Conventional residential mortgage loans	32	$	3,124	$	2,560	-	$	-	$	-	32	$	3,124	$	2,560
Construction loans	-		-		-	-		-		-	-		-		-
Commercial mortgage loans	2		75		81	-		-		-	2		75		81
Commercial and industrial loans	3		18,386		18,386	-		-		-	3		18,386		18,386
Consumer loans:
Auto loans	81		1,241		1,235	-		-		-	81		1,241		1,235
Finance leases	21		284		284	-		-		-	21		284		284
Personal loans	13		113		111	-		-		-	13		113		111
Credit Cards	57		280		280	-		-		-	57		280		280
Other consumer loans	64		180		188	-		-		-	64		180		188
Total Troubled Debt Restructurings	273	$	23,683	$	23,125	-	$	-	$	-	273	$	23,683	$	23,125


March 31, 2019
	Number of contracts	Pre-modification Amortized Cost		Post-modification Amortized Cost		Number of contracts	Pre-modification Amortized Cost		Post-modification Amortized Cost		Number of contracts	Pre-modification Amortized Cost		Post-modification Amortized Cost
(Dollars in thousands)
TDRs:
Conventional residential mortgage loans	29	$	3,178	$	3,191	-	$	-	$	-	29	$	3,178	$	3,191
Construction loans	1		12		12	-		-		-	1		12		12
Commercial mortgage loans	3		22,510		20,334	-		-		-	3		22,510		20,334
Commercial and industrial loans	4		107		106	-		-		-	4		107		106
Consumer loans:
Auto loans	59		914		914	3		33		33	62		947		947
Finance leases	7		159		159	-		-		-	7		159		159
Personal loans	20		204		204	-		-		-	20		204		204
Credit Cards	29		168		168	-		-		-	29		168		168
Other consumer loans	99		320		338	-		-		-	99		320		338
Total Troubled Debt Restructurings	251	$	27,572	$	25,426	3	$	33	$	33	254	$	27,605	$	25,459

Loan modifications considered TDR loans that defaulted during the quarters ended March 31, 2020 and March 31, 2019, and had become TDR during the 12 months preceding the default date, were as follows:

	Quarter ended March 31,
	2020			2019
Puerto Rico and Virgin Islands region	Number of contracts	Amortized Cost		Number of contracts	Amortized Cost
(Dollars in thousands)
Conventional residential mortgage loans	6	$	1,889	-	$	-
Construction loans	-		-	-		-
Commercial mortgage loans	-		-	-		-
Commercial and industrial loans	1		35	-		-
Consumer loans:
Auto loans	10		176	20		251
Finance leases	1		5	-		-
Personal loans	1		7	-		-
Credit cards	5		14	-		-
Other consumer loans	29		108	18		47
Total Puerto Rico and Virgin Islands region	53	$	2,234	38	$	298


	Quarter ended March 31,
	2020			2019
Florida region	Number of contracts	Amortized Cost		Number of contracts	Amortized Cost
(Dollars in thousands)
Conventional residential mortgage loans	-	$	-	-	$	-
Construction loans	-		-	-		-
Commercial mortgage loans	-		-	-		-
Commercial and industrial loans	-		-	-		-
Consumer loans:
Auto loans	-		-	-		-
Finance leases	-		-	-		-
Personal loans	-		-	-		-
Credit cards	-		-	-		-
Other consumer loans	-		-	-		-
Total in Florida region	-	$	-	-	$	-


	Quarter ended March 31,
	2020			2019
Total	Number of contracts	Amortized Cost		Number of contracts	Amortized Cost
(Dollars in thousands)
Conventional residential mortgage loans	6	$	1,889	-	$	-
Construction loans	-		-	-		-
Commercial mortgage loans	-		-	-		-
Commercial and industrial loans	1		35	-		-
Consumer loans:
Auto loans	10		176	20		251
Finance leases	1		5	-		-
Personal loans	1		7	-		-
Credit cards	5		14	-		-
Other consumer loans	29		108	18		47
Total	53	$	2,234	38	$	298

Accounts Notes And Loans Receivable [Line Items]