Visit Oriental Bank
NYSE : OFG
$20.27
$ (0.27) - (1.35)%

Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,333,505 6,656,674 (4.85) 6,464,127 (8.08)
Total Net Loans 4,407,190 4,352,980 1.25 4,474,497 (6.02)
Total Deposits 4,878,058 5,088,993 (4.14) 4,945,137 (5.43)
Equity Attributable to Parent Company 1,049,076 969,886 8.16 1,044,874 1.61
Total Equity 1,049,076 969,886 8.16 1,044,874 1.61
Profitability (%)
Net Income($000) 7,383 23,100 (68.04) 23,979 (276.84)
Net Income Attributable to Parent($000) 7,383 23,100 (68.04) 23,979 (276.84)
ROAA 0.46 1.42 (96) bp 1.48 (102) bp
Core ROAA 0.38 1.43 (105) bp 1.31 (93) bp
ROAE 2.78 9.49 (671) bp 9.25 (647) bp
ROATCE 2.69 11.08 (839) bp 10.43 (774) bp
Core ROAE 2.29 9.60 (731) bp 8.19 (590) bp
Net Interest Margin 5.57 5.56 1 bp 5.58 (1) bp
Reported: Net Interest Margin 5.58 5.56 2 bp 5.65 (7) bp
Efficiency Ratio 47.91 49.22 (131) bp 49.03 (112) bp
Noninterest Inc/ Operating Rev 18.79 18.45 34 bp 18.31 48 bp
Balance Sheet Ratios (%)
Loans/ Deposits 92.78 88.62 416 bp 93.47 (69) bp
Securities/ Assets 8.38 19.64 (1,126) bp 13.49 (511) bp
Total Equity/ Total Assets 16.56 14.57 199 bp 16.16 40 bp
Tangible Equity/ Tangible Assets 15.38 13.40 198 bp 15 38 bp
Tang Common Equity/ Tang Assets 13.91 10.72 319 bp 13.55 36 bp
Asset Quality (%)
NPAs/ Assets 3.28 3.91 (63) bp 4.03 (75) bp
NPA Excl Restructured/ Assets 1.64 2.45 (81) bp 2.17 (53) bp
NPAs & 90+ PD/ Assets 3.32 3.96 (64) bp 4.06 (74) bp
NPAs/ Loans & REO 4.58 5.79 (121) bp 5.65 (107) bp
Nonaccrual & 90+ & OREO/ Assets 1.69 2.49 (80) bp 2.21 (52) bp
NPAs & 90+ PD/ Loans & REO 4.64 5.86 (122) bp 5.69 (105) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 20.59 30.30 (971) bp 25.55 (496) bp
NCOs/ Avg Loans 3.04 1.16 188 bp 1.14 190 bp
Loan Loss Reserves/ Gross Loans 3.38 3.67 (29) bp 3.51 (13) bp
Reserves/ NPAs 74.32 63.62 1,070 bp 62.50 1,182 bp
Loan Loss Provision/ NCO 126.92 113.66 1,326 bp 136.38 (946) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 858,092 690,937 24.19 855,667 1.13
Tier 1 Capital($000) 974,962 891,807 9.32 972,537 1
Tier 2 Capital($000) 60,948 61,736 (1.28) 62,572 (10.38)
Total Capital($000) 1,035,910 953,543 8.64 1,035,109 0.31
Total Risk-weighted Assets($000) 4,771,165 4,806,348 (0.73) 4,895,441 (10.15)
Tier 1 Common Capital (CET1) Ratio(%) 17.98 14.38 360 bp 17.48 50 bp
Tier 1 Ratio(%) 20.43 18.55 188 bp 19.87 56 bp
Total Capital Ratio(%) 21.71 19.84 187 bp 21.14 57 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 15.41 13.93 148 bp 15.20 21 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,347,056 44,005,741 16.68 51,330,031 0.13
Avg Diluted Shares(actual) 51,772,000 51,464,000 0.60 51,680,000 0.71
Basic Book Value per Share 18.64 18.04 3.33 18.56 1.72
Book Value per Share, As Reported 18.84 18.27 3.12 18.76 1.71
Basic Tangible Book Value per Share 16.91 16 5.69 16.83 1.90
Tangible Book Value per Share, As Reported 17.11 16.23 5.42 17.03 1.88
Common Dividends Declared per Share 0.07 0.06 16.67 0.07 0
EPS after Extra 0.11 0.42 (73.81) 0.43 (297.67)
EPS after Extra Growth(%) (73.80) NM NM 22.90 (9,667) bp
Core EPS 0.09 0.43 (79.07) 0.38 (305.26)
Core EPS Growth(%) (80) NM NM 6.20 (8,618) bp
Diluted EPS before Amortization 0.12 0.43 (72.09) 0.44 (290.91)
Pre-Provision Earnings per Share 0.73 0.74 (1.35) 0.71 11.27

   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.