First BanCorp. (FBP) CEO Aurelio Alemán on Q4 2021 Results - Earnings Call Transcript

Jan. 26, 2022 2:15 PM ETFirst BanCorp. (FBP)
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First BanCorp. (NYSE:FBP) Q4 2021 Earnings Conference Call January 26, 2022 10:00 AM ET

Company Participants

Ramon Rodriguez - Investor Relations

Aurelio Alemán - President & Chief Executive Officer

Orlando Berges - Executive Vice President & Chief Financial Officer

Conference Call Participants

Ebrahim Poonawala - Bank of America

Alex Twerdahl - Piper Sandler

Timur Braziler - Wells Fargo


Hello. My name is Bailey, and I will be your conference operator today. At this time, I would like to welcome everyone to the First BanCorp. Fourth Quarter 2021 Results Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers remarks there will be a question-and-answer session. [Operator Instructions]

Thank you. Ramon Rodriguez, Head of Investor Relations, you may begin the conference.

Ramon Rodriguez

Thank you, Bailey. Good morning, everyone and thank you for joining First BanCorp.'s conference call and webcast to discuss the company's financial results for the fourth quarter and full-year 2021. Joining you today from First BanCorp. are Aurelio Alemán, President and Chief Executive Officer; and Orlando Berges, Executive Vice President and Chief Financial Officer.

Before we begin today's call, it is my responsibility to inform you that this call may involve certain forward-looking statements such as projections of revenue, earnings and capital structure, as well as statements on the plans and objectives of the company's business. The company's actual results could differ materially from the forward-looking statements made due to the important factors described in the company's latest SEC filings. The company assumes no obligation to update any forward-looking statements made during the call. If anyone does not already have a copy of the webcast presentation or press release, you can access them at our website, at

At this time, I'd like to turn the call over to our CEO, Aurelio

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