{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-22-001377","form_type":"8-K","ticker":"FBP","cik":"0001057706","company_name":"FIRST BANCORP /PR/","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.447315+00:00","generated_at":"2026-06-23T01:09:08.024030+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First BanCorp Q3 2022 net income flat at $74.6M; NIM expands to 4.31%; record pre-tax pre-provision income","bullets":["Net income $74.6M ($0.40 EPS) vs $74.7M ($0.38) in Q2; pre-tax pre-provision income record $122.4M, up 3% QoQ.","Net interest income rose to $207.9M; net interest margin 4.31% vs 4.00% in Q2.","Provision for credit losses $15.8M vs $10.0M in Q2, reflecting portfolio growth and macro outlook deterioration.","Core deposits decreased $530M to $13.6B; loans (excl. SBA PPP) grew $112.8M, driven by consumer and commercial.","Stock repurchases: 5.4M shares for $75M in Q3; YTD total $225M of $350M program; capital ratios strong."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-22-001377","json":"https://secwatch.observer/filing/0001157523-22-001377.json","markdown":"https://secwatch.observer/filing/0001157523-22-001377.md","text":"https://secwatch.observer/filing/0001157523-22-001377.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1057706/000115752322001377/0001157523-22-001377-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1057706/000115752322001377/a52951854.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:09:08.024030+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"}