Visit Oriental Bank
NYSE : OFG
$20.02
$ ((0.35)) - (1.72)%

Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,297,452 6,656,674 39.67 6,464,127 175.33
Total Net Loans 6,641,847 4,352,980 52.58 4,474,497 193.75
Total Deposits 7,698,610 5,088,993 51.28 4,945,137 222.72
Equity Attributable to Parent Company 1,045,826 969,886 7.83 1,044,874 0.36
Total Equity 1,045,826 969,886 7.83 1,044,874 0.36
Profitability (%)
Net Income($000) (643) 23,100 NM 23,979 NM
Net Income Attributable to Parent($000) (643) 23,100 NM 23,979 NM
ROAA (0.04) 1.42 (146) bp 1.48 (152) bp
Core ROAA 1.02 1.43 (41) bp 1.31 (29) bp
ROAE (0.24) 9.49 (973) bp 9.25 (949) bp
ROATCE NA 11.08 NA 10.43 NA
Core ROAE 6.06 9.60 (354) bp 8.19 (213) bp
Net Interest Margin 5.39 5.56 (17) bp 5.58 (19) bp
Reported: Net Interest Margin 5.35 5.56 (21) bp 5.65 (30) bp
Efficiency Ratio 57.66 49.22 844 bp 49.03 863 bp
Noninterest Inc/ Operating Rev 19.68 18.45 123 bp 18.31 137 bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.53 88.62 (109) bp 93.47 (594) bp
Securities/ Assets NA 19.64 NA 13.49 NA
Total Equity/ Total Assets 11.25 14.57 (332) bp 16.16 (491) bp
Tangible Equity/ Tangible Assets 9.86 13.40 (354) bp 15 (514) bp
Tang Common Equity/ Tang Assets 8.86 10.72 (186) bp 13.55 (469) bp
Asset Quality (%)
NPAs/ Assets NA 3.91 NA 4.03 NA
NPA Excl Restructured/ Assets NA 2.45 NA 2.17 NA
NPAs & 90+ PD/ Assets NA 3.96 NA 4.06 NA
NPAs/ Loans & REO NA 5.79 NA 5.65 NA
Nonaccrual & 90+ & OREO/ Assets NA 2.49 NA 2.21 NA
NPAs & 90+ PD/ Loans & REO NA 5.86 NA 5.69 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 30.30 NA 25.55 NA
NCOs/ Avg Loans 1.03 1.16 (13) bp 1.14 (11) bp
Loan Loss Reserves/ Gross Loans 1.72 3.67 (195) bp 3.51 (179) bp
Reserves/ NPAs NA 63.62 NA 62.50 NA
Loan Loss Provision/ NCO 160.25 113.66 4,659 bp 136.38 2,387 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 735,998 690,937 6.52 855,667 (55.94)
Tier 1 Capital($000) 852,868 891,807 (4.37) 972,537 (49.22)
Tier 2 Capital($000) 86,680 61,736 40.40 62,572 154.11
Total Capital($000) 939,548 953,543 (1.47) 1,035,109 (36.93)
Total Risk-weighted Assets($000) 6,824,396 4,806,348 41.99 4,895,441 157.61
Tier 1 Common Capital (CET1) Ratio(%) 10.78 14.38 (360) bp 17.48 (670) bp
Tier 1 Ratio(%) 12.50 18.55 (605) bp 19.87 (737) bp
Total Capital Ratio(%) 13.77 19.84 (607) bp 21.14 (737) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.99 13.93 6 bp 15.20 (121) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,399,000 44,005,741 16.80 51,330,031 0.54
Avg Diluted Shares(actual) 51,791,000 51,464,000 0.64 51,680,000 0.86
Basic Book Value per Share 18.56 18.04 2.88 18.56 0
Book Value per Share, As Reported 18.75 18.27 2.63 18.76 (0.21)
Basic Tangible Book Value per Share 15.77 16 (1.44) 16.83 (25.19)
Tangible Book Value per Share, As Reported 15.97 16.23 (1.60) 17.03 (24.90)
Common Dividends Declared per Share 0.07 0.06 16.67 0.07 0
EPS after Extra (0.04) 0.42 NM 0.43 NM
EPS after Extra Growth(%) NM NM NM 22.90 NM
Core EPS 0.25 0.43 (41.86) 0.38 (136.84)
Core EPS Growth(%) (32.60) NM NM 6.20 (3,881) bp
Diluted EPS before Amortization NA 0.43 NA 0.44 NA
Pre-Provision Earnings per Share 0.55 0.74 (25.68) 0.71 (90.14)

   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.