Visit Oriental Bank
NYSE : OFG
$16.90
$ ((0.20)) - (1.17)%

Financial Highlights

Financial Highlights
2018 FQ2
6/30/2018
2017 FQ2
6/30/2017
Y-Y Ch (%)
2018 FQ1
3/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,501,562 6,235,826 4.26 6,247,121 16.29
Total Net Loans 4,315,866 4,091,866 5.47 4,133,429 17.65
Total Deposits 4,880,201 4,582,686 6.49 4,833,428 3.87
Equity Attributable to Parent Company 957,819 938,969 2.01 946,849 4.63
Total Equity 957,819 938,969 2.01 946,849 4.63
Profitability (%)
Net Income($000) 19,649 17,104 14.88 16,917 64.60
Net Income Attributable to Parent($000) 19,649 17,104 14.88 16,917 64.60
ROAA 1.23 1.09 14 bp 1.09 14 bp
Core ROAA 1.25 0.82 43 bp 1.11 14 bp
ROAE 8.19 7.29 90 bp 7.11 108 bp
ROATCE 9.35 8.15 120 bp 7.88 147 bp
Core ROAE 8.30 5.48 282 bp 7.22 108 bp
Net Interest Margin 5.31 5.26 5 bp 5.23 8 bp
Reported: Net Interest Margin 5.33 5.27 6 bp 5.29 4 bp
Efficiency Ratio 53.30 55.29 (199) bp 55.29 (199) bp
Noninterest Inc/ Operating Rev 19.42 19.23 19 bp 20.01 (59) bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.62 91.14 48 bp 88.79 283 bp
Securities/ Assets 20.83 19.61 122 bp 20.80 3 bp
Total Equity/ Total Assets 14.73 15.06 (33) bp 15.16 (43) bp
Tangible Equity/ Tangible Assets 13.53 13.79 (26) bp 13.91 (38) bp
Tang Common Equity/ Tang Assets 10.79 10.93 (14) bp 11.05 (26) bp
Asset Quality (%)
NPAs/ Assets 4.13 3.97 16 bp 4.22 (9) bp
NPA Excl Restructured/ Assets 2.59 2.38 21 bp 2.65 (6) bp
NPAs & 90+ PD/ Assets 4.19 4 19 bp 4.31 (12) bp
NPAs/ Loans & REO 6.02 5.88 14 bp 6.17 (15) bp
Nonaccrual & 90+ & OREO/ Assets 2.64 2.41 23 bp 2.74 (10) bp
NPAs & 90+ PD/ Loans & REO 6.10 5.92 18 bp 6.30 (20) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 31.74 31 74 bp 31.73 1 bp
NCOs/ Avg Loans 1.44 1.34 10 bp 1.12 32 bp
Loan Loss Reserves/ Gross Loans 3.69 3.13 56 bp 3.92 (23) bp
Reserves/ NPAs 61.58 53.49 809 bp 63.89 (231) bp
Loan Loss Provision/ NCO 94.46 191.69 (9,723) bp 132.07 (3,761) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 669,922 643,607 4.09 652,012 10.99
Tier 1 Capital($000) 870,791 840,704 3.58 852,882 8.40
Tier 2 Capital($000) 60,925 56,223 8.36 57,946 20.56
Total Capital($000) 931,716 896,927 3.88 910,828 9.17
Total Risk-weighted Assets($000) 4,737,529 4,391,321 7.88 4,489,130 22.13
Tier 1 Common Capital (CET1) Ratio(%) 14.14 14.66 (52) bp 14.52 (38) bp
Tier 1 Ratio(%) 18.38 19.14 (76) bp 19 (62) bp
Total Capital Ratio(%) 19.67 20.42 (75) bp 20.29 (62) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.92 13.69 23 bp 14.07 (15) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 43,983,195 43,947,442 0.08 43,968,342 0.14
Avg Diluted Shares(actual) 51,226,000 51,099,847 0.25 51,121,000 0.82
Basic Book Value per Share 17.78 17.36 2.42 17.53 5.70
As-reported Book Value per Share 18.01 17.59 2.39 17.76 5.63
Basic Tangible Book Value per Share 15.73 15.28 2.95 15.48 6.46
Reported: Tangible Book Value 15.96 15.51 2.90 15.71 6.37
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra 0.35 0.30 16.67 0.30 66.67
EPS after Extra Growth(%) 16.70 20 (333) bp 15.40 129 bp
Core EPS 0.36 0.22 63.64 0.31 64.52
Core EPS Growth(%) 63 (13.80) 7,681 bp 15.30 4,770 bp
Diluted EPS before Amortization 0.36 0.31 16.13 0.31 64.52
Pre-Provision Earnings per Share 0.64 0.48 33.33 0.59 33.90

   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.


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