Visit Oriental Bank
NYSE : OFG
$11.70
$ (0.29) - (2.54)%

Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,297,661 6,583,352 41.23 6,333,505 187.20
Total Net Loans 6,641,847 4,431,594 49.87 4,407,190 202.82
Total Deposits 7,698,610 4,908,115 56.85 4,878,058 231.28
Equity Attributable to Parent Company 1,045,478 999,877 4.56 1,049,076 (1.37)
Total Equity 1,045,478 999,877 4.56 1,049,076 (1.37)
Profitability (%)
Net Income($000) (991) 24,744 NM 7,383 NM
Net Income Attributable to Parent($000) (991) 24,744 NM 7,383 NM
ROAA (0.06) 1.50 (156) bp 0.46 (52) bp
Core ROAA 1.01 1.27 (26) bp 0.38 63 bp
ROAE (0.37) 10.07 (1,044) bp 2.78 (315) bp
ROATCE (1.10) 11.80 (1,290) bp 2.69 (379) bp
Core ROAE 6.01 8.57 (256) bp 2.29 372 bp
Net Interest Margin 5.55 5.46 9 bp 5.57 (2) bp
Reported: Net Interest Margin 5.35 5.26 9 bp 5.58 (23) bp
Efficiency Ratio 56.64 49.65 699 bp 47.91 873 bp
Noninterest Inc/ Operating Rev 19.67 19.01 66 bp 18.79 88 bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.53 93.43 (590) bp 92.78 (525) bp
Securities/ Assets 11.71 19.45 (774) bp 8.38 333 bp
Total Equity/ Total Assets 11.24 15.19 (395) bp 16.56 (532) bp
Tangible Equity/ Tangible Assets 9.86 14.02 (416) bp 15.38 (552) bp
Tang Common Equity/ Tang Assets 8.85 12.60 (375) bp 13.91 (506) bp
Asset Quality (%)
NPAs/ Assets 2.34 4.09 (175) bp 3.28 (94) bp
NPA Excl Restructured/ Assets 1.23 2.38 (115) bp 1.64 (41) bp
NPAs & 90+ PD/ Assets 2.37 4.13 (176) bp 3.32 (95) bp
NPAs/ Loans & REO 3.23 5.90 (267) bp 4.58 (135) bp
Nonaccrual & 90+ & OREO/ Assets 1.25 2.42 (117) bp 1.69 (44) bp
NPAs & 90+ PD/ Loans & REO 3.27 5.96 (269) bp 4.64 (137) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 23.76 27.69 (393) bp 20.59 317 bp
NCOs/ Avg Loans 1.03 0.97 6 bp 3.04 (201) bp
Loan Loss Reserves/ Gross Loans 1.72 3.57 (185) bp 3.38 (166) bp
Reserves/ NPAs 53.49 60.97 (748) bp 74.32 (2,083) bp
Loan Loss Provision/ NCO 160.27 103.44 5,683 bp 126.92 3,335 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 735,441 811,707 (9.40) 858,092 (57.17)
Tier 1 Capital($000) 852,311 928,577 (8.21) 974,962 (50.32)
Tier 2 Capital($000) 86,683 61,922 39.99 60,948 168.90
Total Capital($000) 938,994 990,499 (5.20) 1,035,910 (37.42)
Total Risk-weighted Assets($000) 6,824,413 4,837,214 41.08 4,771,165 172.14
Tier 1 Common Capital (CET1) Ratio(%) 10.78 16.78 (600) bp 17.98 (720) bp
Tier 1 Ratio(%) 12.49 19.20 (671) bp 20.43 (794) bp
Total Capital Ratio(%) 13.76 20.48 (672) bp 21.71 (795) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.24 14.22 (498) bp 15.41 (617) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,398,956 51,293,924 0.20 51,347,056 0.40
Avg Diluted Shares(actual) 51,791,000 51,602,000 0.37 51,772,000 0.15
Basic Book Value per Share 18.55 17.70 4.80 18.64 (1.93)
Book Value per Share, As Reported 18.75 17.90 4.75 18.84 (1.91)
Basic Tangible Book Value per Share 15.77 15.96 (1.19) 16.91 (26.97)
Tangible Book Value per Share, As Reported 15.96 16.15 (1.18) 17.11 (26.88)
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra (0.05) 0.45 NM 0.11 NM
EPS after Extra Growth(%) NM 50 NM (73.80) NM
Core EPS 0.27 0.38 (28.95) 0.09 800
Core EPS Growth(%) (27.60) 24.10 (5,171) bp (80) 5,241 bp
Diluted EPS before Amortization (0.04) 0.46 NM 0.12 NM
Pre-Provision Earnings per Share 0.59 0.73 (19.18) 0.73 (76.71)

   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.