Visit Oriental Bank
NYSE : OFG
$9.25
$ (0.10) - (1.09)%

Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,288,217 6,592,113 (4.61) 6,235,826 3.36
Total Net Loans 3,964,572 4,298,965 (7.78) 4,091,866 (12.44)
Total Deposits 4,826,404 4,754,771 1.51 4,582,686 21.27
Equity Attributable to Parent Company 937,630 924,934 1.37 938,969 (0.57)
Total Equity 937,630 924,934 1.37 938,969 (0.57)
Profitability (%)
Net Income($000) 3,319 15,120 (78.05) 17,104 (322.38)
Net Income Attributable to Parent($000) 3,319 15,120 (78.05) 17,104 (322.38)
ROAA 0.22 0.91 (69) bp 1.09 (87) bp
Core ROAA 0.24 0.73 (49) bp 0.82 (58) bp
ROAE 1.40 6.58 (518) bp 7.29 (589) bp
ROATCE 0.05 7.22 (717) bp 8.15 (810) bp
Core ROAE 1.50 5.28 (378) bp 5.48 (398) bp
Net Interest Margin 5.77 5.06 71 bp 5.26 51 bp
Reported: Net Interest Margin 5.64 4.95 69 bp 5.18 46 bp
Efficiency Ratio 50.37 58.42 (805) bp 55.29 (492) bp
Noninterest Inc/ Operating Rev 18.20 16.51 169 bp 19.23 (103) bp
Balance Sheet Ratios (%)
Loans/ Deposits 85.09 89.77 (468) bp 91.14 (605) bp
Securities/ Assets 18.43 19.70 (127) bp 19.61 (118) bp
Total Equity/ Total Assets 14.91 14.03 88 bp 15.06 (15) bp
Tangible Equity/ Tangible Assets 13.66 12.81 85 bp 13.79 (13) bp
Tang Common Equity/ Tang Assets 10.82 10.10 72 bp 10.93 (11) bp
Asset Quality (%)
NPAs/ Assets 4.04 3.85 19 bp 3.97 7 bp
NPA Excl Restructured/ Assets 2.29 2.33 (4) bp 2.38 (9) bp
NPAs & 90+ PD/ Assets 4.09 3.90 19 bp 4 9 bp
NPAs/ Loans & REO 6.19 5.78 41 bp 5.88 31 bp
Nonaccrual & 90+ & OREO/ Assets 2.35 2.38 (3) bp 2.41 (6) bp
NPAs & 90+ PD/ Loans & REO 6.27 5.86 41 bp 5.92 35 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 31.20 33.19 (199) bp 31 20 bp
NCOs/ Avg Loans 1.22 6.01 (479) bp 1.34 (12) bp
Loan Loss Reserves/ Gross Loans 3.74 2.69 105 bp 3.13 61 bp
Reserves/ NPAs 60.71 46.87 1,384 bp 53.49 722 bp
Loan Loss Provision/ NCO 352 35.47 31,653 bp 191.69 16,031 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 633,401 612,792 3.36 643,607 (6.34)
Tier 1 Capital($000) 830,640 801,883 3.59 840,704 (4.79)
Tier 2 Capital($000) 54,883 58,698 (6.50) 56,223 (9.53)
Total Capital($000) 885,523 860,581 2.90 896,927 (5.09)
Total Risk-weighted Assets($000) 4,252,605 4,598,837 4,252,605 4,391,321 4,252,605
Tier 1 Common Capital (CET1) Ratio(%) 14.89 13.32 157 bp 14.66 23 bp
Tier 1 Ratio(%) 19.53 17.44 209 bp 19.14 39 bp
Total Capital Ratio(%) 20.82 18.71 211 bp 20.42 40 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.07 12.35 172 bp 13.69 38 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 43,947,442 43,913,719 0.08 43,947,442 0
Avg Diluted Shares(actual) 51,101,755 51,111,437 (0.02) 51,099,847 0.01
Basic Book Value per Share 17.33 17.05 1.64 17.36 (0.69)
As-reported Book Value per Share 17.56 17.29 1.56 17.59 (0.68)
Basic Tangible Book Value per Share 15.26 14.94 2.14 15.28 (0.52)
Reported: Tangible Book Value 15.49 15.18 2.04 15.51 (0.52)
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra 0 0.26 NM 0.30 NM
EPS after Extra Growth(%) (100) 766.70 (86,667) bp 20 (12,000) bp
Core EPS 0 0.20 NM 0.22 NM
Core EPS Growth(%) NM 482.50 NM (13.80) NM
Diluted EPS before Amortization 0 0.27 NM 0.31 NM
Pre-Provision Earnings per Share 0 0.43 NM 0.48 NM

   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.