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First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides a range of financial products and services to retail, commercial, and institutional clients. Its Consumer (Retail) Banking segment provides various loans, including auto, boat, and personal loans; credit cards; lines of credit; and deposit products comprising interest bearing and non-interest bearing checking and savings accounts, individual retirement accounts, and retail certificates of deposit, as well as engages in the finance leases and insurance activities. The company's Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans, and floor plan financings; and other products, such as cash management and business management services, as well as is also involved in the broker-dealer activities, such as the underwriting of bonds and financial advisory services provided to government entities. Its Mortgage Banking segment engages in the origination, sale, and servicing of residential mortgage loans; acquisition and sale of mortgages in the secondary markets; and provision of mortgage loans purchased from other local banks and mortgage bankers. The company's Treasury and Investments segment engages in the investment portfolio and treasury activities, such as funding and liquidity management. Its United States Operations segment offers retail and commercial banking products and services, including loans and deposit products, as well as Internet banking services, cash management services, remote data capture, and automated clearing house transactions. The company's Virgin Islands Operations segment offers various loans and deposit products. As of March 26, 2013, First BanCorp. operated a total of 154 branches, stand-alone offices, and in-branch service centers in Puerto Rico, the U.S. and British Virgin Islands, and Florida. First BanCorp. was founded in 1948 and is headquartered in Santurce, Puerto Rico.