Visit Oriental Bank
NYSE : OFG
$14.25
$ ((0.10)) - (0.70)%

Financial Highlights

Financial Highlights
2018 FQ1
3/31/2018
2017 FQ1
3/31/2017
Y-Y Ch (%)
2017 FQ4
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,247,121 6,414,607 (2.61) 6,189,053 3.75
Total Net Loans 4,133,429 4,089,708 1.07 4,056,329 7.60
Total Deposits 4,833,428 4,717,828 2.45 4,799,482 2.83
Equity Attributable to Parent Company 946,849 931,429 1.66 945,107 0.74
Total Equity 946,849 931,429 1.66 945,107 0.74
Profitability (%)
Net Income($000) 16,917 15,150 11.66 17,073 (3.65)
Net Income Attributable to Parent($000) 16,917 15,150 11.66 17,073 (3.65)
ROAA 1.09 0.95 14 bp 1.10 (1) bp
Core ROAA 1.11 0.97 14 bp 1.12 (1) bp
ROAE 7.11 6.54 57 bp 7.24 (13) bp
ROATCE 7.86 7.14 72 bp 8.06 (20) bp
Core ROAE 7.20 6.65 55 bp 7.34 (14) bp
Net Interest Margin 5.23 5.04 19 bp 5.21 2 bp
Reported: Net Interest Margin 5.29 5.18 11 bp 5.08 21 bp
Efficiency Ratio 55.29 54.70 59 bp 50.62 467 bp
Noninterest Inc/ Operating Rev 20.01 20.36 (35) bp 18.62 139 bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.79 88.92 (13) bp 87.75 104 bp
Securities/ Assets 20.80 21.77 (97) bp 18.86 194 bp
Total Equity/ Total Assets 15.16 14.52 64 bp 15.27 (11) bp
Tangible Equity/ Tangible Assets 13.91 13.28 63 bp 14.01 (10) bp
Tang Common Equity/ Tang Assets 11.05 10.49 56 bp 11.12 (7) bp
Asset Quality (%)
NPAs/ Assets 4.22 3.81 41 bp 4.15 7 bp
NPA Excl Restructured/ Assets 2.65 2.26 39 bp 2.38 27 bp
NPAs & 90+ PD/ Assets 4.31 3.85 46 bp 4.27 4 bp
NPAs/ Loans & REO 6.17 5.83 34 bp 6.11 6 bp
Nonaccrual & 90+ & OREO/ Assets 2.74 2.30 44 bp 2.50 24 bp
NPAs & 90+ PD/ Loans & REO 6.30 5.90 40 bp 6.28 2 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 31.73 31.47 26 bp 31.21 52 bp
NCOs/ Avg Loans 1.12 1.08 4 bp 1.09 3 bp
Loan Loss Reserves/ Gross Loans 3.92 2.87 105 bp 3.97 (5) bp
Reserves/ NPAs 63.89 49.54 1,435 bp 65.27 (138) bp
Loan Loss Provision/ NCO 132.07 157.57 (2,550) bp 222.48 (9,041) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 652,012 626,707 4.04 644,804 4.47
Tier 1 Capital($000) 852,882 822,847 3.65 842,133 5.11
Tier 2 Capital($000) 57,946 56,020 3.44 57,125 5.75
Total Capital($000) 910,828 878,867 3.64 899,258 5.15
Total Risk-weighted Assets($000) 4,489,130 4,383,493 2.41 4,420,667 6.19
Tier 1 Common Capital (CET1) Ratio(%) 14.52 14.30 22 bp 14.59 (7) bp
Tier 1 Ratio(%) 19 18.77 23 bp 19.05 (5) bp
Total Capital Ratio(%) 20.29 20.05 24 bp 20.34 (5) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.07 13.20 87 bp 13.92 15 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 43,968,342 43,947,442 0.05 43,947,442 0.19
Avg Diluted Shares(actual) 51,121,000 51,130,503 (0.02) 51,104,000 0.13
Basic Book Value per Share 17.53 17.19 1.98 17.50 0.69
As-reported Book Value per Share 17.76 17.42 1.95 17.73 0.68
Basic Tangible Book Value per Share 15.48 15.10 2.52 15.44 1.04
Reported: Tangible Book Value 15.71 15.33 2.48 15.67 1.02
Common Dividends Declared per Share 0.06 0.06 0 0.06 0
EPS after Extra 0.30 0.26 15.38 0.30 0
EPS after Extra Growth(%) 15.40 8.30 705 bp 11.10 427 bp
Core EPS 0.30 0.26 15.38 0.30 0
Core EPS Growth(%) 15 7.90 708 bp 10.70 430 bp
Diluted EPS before Amortization 0.31 0.27 14.81 0.31 0
Pre-Provision Earnings per Share 0.48 0.49 (2.04) 0.52 (30.77)

   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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