Visit Oriental Bank
NYSE : OFG
$18.14
$ ((0.18)) - (0.98)%

Financial Highlights

Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,656,674 6,288,217 5.86 6,501,562 9.54
Total Net Loans 4,352,980 3,964,572 9.80 4,315,866 3.44
Total Deposits 5,088,993 4,826,404 5.44 4,880,201 17.11
Equity Attributable to Parent Company 969,886 937,630 3.44 957,819 5.04
Total Equity 969,886 937,630 3.44 957,819 5.04
Profitability (%)
Net Income($000) 23,100 3,319 595.99 19,649 70.25
Net Income Attributable to Parent($000) 23,100 3,319 595.99 19,649 70.25
ROAA 1.42 0.22 120 bp 1.23 19 bp
Core ROAA 1.43 0.24 119 bp 1.25 18 bp
ROAE 9.49 1.40 809 bp 8.19 130 bp
ROATCE 11.08 0.05 1,103 bp 9.35 173 bp
Core ROAE 9.60 1.50 810 bp 8.30 130 bp
Net Interest Margin 5.55 5.77 (22) bp 5.31 24 bp
Reported: Net Interest Margin 5.55 5.72 (17) bp 5.33 22 bp
Efficiency Ratio 49.22 50.37 (115) bp 53.30 (408) bp
Noninterest Inc/ Operating Rev 18.45 18.20 25 bp 19.42 (97) bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.62 85.09 353 bp 91.62 (300) bp
Securities/ Assets 19.64 18.43 121 bp 20.83 (119) bp
Total Equity/ Total Assets 14.57 14.91 (34) bp 14.73 (16) bp
Tangible Equity/ Tangible Assets 13.40 13.66 (26) bp 13.53 (13) bp
Tang Common Equity/ Tang Assets 10.72 10.82 (10) bp 10.79 (7) bp
Asset Quality (%)
NPAs/ Assets 3.91 4.04 (13) bp 4.13 (22) bp
NPA Excl Restructured/ Assets 2.45 2.29 16 bp 2.59 (14) bp
NPAs & 90+ PD/ Assets 3.96 4.09 (13) bp 4.19 (23) bp
NPAs/ Loans & REO 5.79 6.19 (40) bp 6.02 (23) bp
Nonaccrual & 90+ & OREO/ Assets 2.49 2.35 14 bp 2.64 (15) bp
NPAs & 90+ PD/ Loans & REO 5.86 6.27 (41) bp 6.10 (24) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 30.30 31.20 (90) bp 31.74 (144) bp
NCOs/ Avg Loans 1.16 1.22 (6) bp 1.44 (28) bp
Loan Loss Reserves/ Gross Loans 3.67 3.74 (7) bp 3.69 (2) bp
Reserves/ NPAs 63.62 60.71 291 bp 61.58 204 bp
Loan Loss Provision/ NCO 113.66 352 (23,834) bp 94.46 1,920 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 690,937 633,401 9.08 669,922 12.55
Tier 1 Capital($000) 891,807 830,640 7.36 870,791 9.65
Tier 2 Capital($000) 61,736 54,883 12.49 60,925 5.32
Total Capital($000) 953,543 885,523 7.68 931,716 9.37
Total Risk-weighted Assets($000) 4,806,348 4,252,605 13.02 4,737,529 5.81
Tier 1 Common Capital (CET1) Ratio(%) 14.38 14.89 (51) bp 14.14 24 bp
Tier 1 Ratio(%) 18.55 19.53 (98) bp 18.38 17 bp
Total Capital Ratio(%) 19.84 20.82 (98) bp 19.67 17 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.93 14.07 (14) bp 13.92 1 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 44,005,741 43,947,442 0.13 43,983,195 0.21
Avg Diluted Shares(actual) 51,464,000 51,101,755 0.71 51,226,000 1.86
Basic Book Value per Share 18.04 17.33 4.10 17.78 5.85
Book Value per Share, As Reported 18.27 17.56 4.04 18.01 5.77
Basic Tangible Book Value per Share 16 15.26 4.85 15.73 6.87
Tangible Book Value per Share, As Reported 16.23 15.49 4.78 15.96 6.77
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra 0.42 0 NM 0.35 80
EPS after Extra Growth(%) NM (100) NM 16.70 NM
Core EPS 0.43 0 NM 0.36 77.78
Core EPS Growth(%) NM NM NM 63 NM
Diluted EPS before Amortization 0.43 0 NM 0.36 77.78
Pre-Provision Earnings per Share 0.74 0 NM 0.64 62.50

   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.