Visit Oriental Bank
NYSE : OFG
$23.59
$ ((0.32)) - (1.34)%

Financial Highlights

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,603,191 6,247,121 5.70 6,583,352 1.21
Total Net Loans 4,401,401 4,133,429 6.48 4,431,594 (2.73)
Total Deposits 4,897,101 4,833,428 1.32 4,908,115 (0.90)
Equity Attributable to Parent Company 1,021,192 946,849 7.85 999,877 8.53
Total Equity 1,021,192 946,849 7.85 999,877 8.53
Profitability (%)
Net Income($000) 23,470 16,917 38.74 24,744 (20.59)
Net Income Attributable to Parent($000) 23,470 16,917 38.74 24,744 (20.59)
ROAA 1.42 1.09 33 bp 1.50 (8) bp
Core ROAA 1.44 1.11 33 bp 1.27 17 bp
ROAE 9.23 7.11 212 bp 10.07 (84) bp
ROATCE 10.43 7.88 255 bp 11.80 (137) bp
Core ROAE 9.32 7.22 210 bp 8.57 75 bp
Net Interest Margin 5.45 5.23 22 bp 5.45 0 bp
Reported: Net Interest Margin 5.56 5.31 25 bp 5.26 30 bp
Efficiency Ratio 50.95 55.29 (434) bp 49.65 130 bp
Noninterest Inc/ Operating Rev 17.75 20.01 (226) bp 19.01 (126) bp
Balance Sheet Ratios (%)
Loans/ Deposits 93.04 88.79 425 bp 93.43 (39) bp
Securities/ Assets 18.99 20.80 (181) bp 19.45 (46) bp
Total Equity/ Total Assets 15.47 15.16 31 bp 15.19 28 bp
Tangible Equity/ Tangible Assets 14.31 13.91 40 bp 14.02 29 bp
Tang Common Equity/ Tang Assets 12.90 11.05 185 bp 12.60 30 bp
Asset Quality (%)
NPAs/ Assets 3.96 4.22 (26) bp 4.09 (13) bp
NPA Excl Restructured/ Assets 2.25 2.65 (40) bp 2.38 (13) bp
NPAs & 90+ PD/ Assets 3.99 4.31 (32) bp 4.13 (14) bp
NPAs/ Loans & REO 5.76 6.17 (41) bp 5.90 (14) bp
Nonaccrual & 90+ & OREO/ Assets 2.28 2.74 (46) bp 2.42 (14) bp
NPAs & 90+ PD/ Loans & REO 5.81 6.30 (49) bp 5.96 (15) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 26.29 31.73 (544) bp 27.69 (140) bp
NCOs/ Avg Loans 1.14 1.12 2 bp 0.97 17 bp
Loan Loss Reserves/ Gross Loans 3.56 3.92 (36) bp 3.57 (1) bp
Reserves/ NPAs 62.17 63.89 (172) bp 60.97 120 bp
Loan Loss Provision/ NCO 95.12 132.07 (3,695) bp 103.44 (832) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 832,924 652,012 27.75 811,707 10.46
Tier 1 Capital($000) 949,794 852,882 11.36 928,577 9.14
Tier 2 Capital($000) 62,318 57,946 7.54 61,922 2.56
Total Capital($000) 1,012,112 910,828 11.12 990,499 8.73
Total Risk-weighted Assets($000) 4,872,806 4,489,130 8.55 4,837,214 2.94
Tier 1 Common Capital (CET1) Ratio(%) 17.09 14.52 257 bp 16.78 31 bp
Tier 1 Ratio(%) 19.49 19 49 bp 19.20 29 bp
Total Capital Ratio(%) 20.77 20.29 48 bp 20.48 29 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.64 14.07 57 bp 14.22 42 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,328,431 43,968,342 16.74 51,293,924 0.27
Avg Diluted Shares(actual) 51,626,000 51,121,000 0.99 51,602,000 0.19
Basic Book Value per Share 18.10 17.53 3.25 17.70 9.04
Book Value per Share, As Reported 18.30 17.76 3.04 17.90 8.94
Basic Tangible Book Value per Share 16.37 15.48 5.75 15.96 10.28
Tangible Book Value per Share, As Reported 16.56 15.71 5.41 16.15 10.15
Common Dividends Declared per Share 0.07 0.06 16.67 0.07 0
EPS after Extra 0.42 0.30 40 0.45 (26.67)
EPS after Extra Growth(%) 40 15.40 2,462 bp 50 (1,000) bp
Core EPS 0.42 0.31 35.48 0.38 42.11
Core EPS Growth(%) 39.10 15.30 2,380 bp 24.10 1,497 bp
Diluted EPS before Amortization 0.43 0.31 38.71 0.46 (26.09)
Pre-Provision Earnings per Share 0.69 0.59 16.95 0.73 (21.92)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.