{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-22-000886","form_type":"8-K","ticker":"FBP","cik":"0001057706","company_name":"FIRST BANCORP /PR/","filed_at":"2022-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.818576+00:00","generated_at":"2026-06-24T09:28:06.094251+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First BanCorp Q2 net income $74.7M, EPS $0.38; record PTPP $118.8M","bullets":["Net income $74.7M ($0.38 diluted share), down from $82.6M ($0.41) in Q1 2022 but up from $70.6M ($0.33) in Q2 2021.","Record pre-tax pre-provision income of $118.8M, up 6.2% from Q1 and 23% YoY.","Net interest margin expanded to 4.00% vs 3.81% in Q1; net interest income $196.2M.","Provision for credit losses was an expense of $10.0M vs a net benefit of $13.8M in prior quarter.","Repurchased 7.07M shares for $100M under $350M buyback; non-performing assets fell to 0.76% of total assets."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-22-000886","json":"https://secwatch.observer/filing/0001157523-22-000886.json","markdown":"https://secwatch.observer/filing/0001157523-22-000886.md","text":"https://secwatch.observer/filing/0001157523-22-000886.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1057706/000115752322000886/0001157523-22-000886-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1057706/000115752322000886/a52788189.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T09:28:06.094251+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}