Visit Oriental Bank
NYSE : OFG
$23.23
$ (0.22) - (0.96)%

Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 6,464,127 6,501,562 (0.58) 6,603,191 (8.42)
Total Net Loans 4,474,497 4,315,866 3.68 4,401,401 6.64
Total Deposits 4,945,137 4,880,201 1.33 4,897,101 3.92
Equity Attributable to Parent Company 1,044,874 957,819 9.09 1,021,192 9.28
Total Equity 1,044,874 957,819 9.09 1,021,192 9.28
Profitability (%)
Net Income($000) 23,979 19,649 22.04 23,470 8.67
Net Income Attributable to Parent($000) 23,979 19,649 22.04 23,470 8.67
ROAA 1.48 1.23 25 bp 1.42 6 bp
Core ROAA 1.31 1.25 6 bp 1.44 (13) bp
ROAE 9.25 8.19 106 bp 9.23 2 bp
ROATCE 10.43 9.35 108 bp 10.43 0 bp
Core ROAE 8.19 8.30 (11) bp 9.32 (113) bp
Net Interest Margin 5.55 5.35 20 bp 5.47 8 bp
Reported: Net Interest Margin 5.65 5.40 25 bp 5.56 9 bp
Efficiency Ratio 49.03 52.89 (386) bp 50.95 (192) bp
Noninterest Inc/ Operating Rev 18.31 19.42 (111) bp 17.75 56 bp
Balance Sheet Ratios (%)
Loans/ Deposits 93.47 91.62 185 bp 93.04 43 bp
Securities/ Assets 13.49 20.83 (734) bp 18.99 (550) bp
Total Equity/ Total Assets 16.16 14.73 143 bp 15.47 69 bp
Tangible Equity/ Tangible Assets 15 13.53 147 bp 14.31 69 bp
Tang Common Equity/ Tang Assets 13.55 10.79 276 bp 12.90 65 bp
Asset Quality (%)
NPAs/ Assets 4.03 4.13 (10) bp 3.96 7 bp
NPA Excl Restructured/ Assets 2.17 2.59 (42) bp 2.25 (8) bp
NPAs & 90+ PD/ Assets 4.06 4.19 (13) bp 3.99 7 bp
NPAs/ Loans & REO 5.65 6.02 (37) bp 5.76 (11) bp
Nonaccrual & 90+ & OREO/ Assets 2.21 2.64 (43) bp 2.28 (7) bp
NPAs & 90+ PD/ Loans & REO 5.69 6.10 (41) bp 5.81 (12) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 25.55 31.74 (619) bp 26.29 (74) bp
NCOs/ Avg Loans 1.14 1.44 (30) bp 1.14 0 bp
Loan Loss Reserves/ Gross Loans 3.51 3.69 (18) bp 3.56 (5) bp
Reserves/ NPAs 62.50 61.58 92 bp 62.17 33 bp
Loan Loss Provision/ NCO 136.38 94.46 4,192 bp 95.12 4,126 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 855,667 669,922 27.73 832,924 10.92
Tier 1 Capital($000) 972,537 870,791 11.68 949,794 9.58
Tier 2 Capital($000) 62,572 60,925 2.70 62,318 1.63
Total Capital($000) 1,035,109 931,716 11.10 1,012,112 9.09
Total Risk-weighted Assets($000) 4,895,441 4,737,529 3.33 4,872,806 1.86
Tier 1 Common Capital (CET1) Ratio(%) 17.48 14.14 334 bp 17.09 39 bp
Tier 1 Ratio(%) 19.87 18.38 149 bp 19.49 38 bp
Total Capital Ratio(%) 21.14 19.67 147 bp 20.77 37 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 15.20 13.92 128 bp 14.64 56 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,330,031 43,983,195 16.70 51,328,431 0.01
Avg Diluted Shares(actual) 51,680,000 51,226,000 0.89 51,626,000 0.42
Basic Book Value per Share 18.56 17.78 4.39 18.10 10.17
Book Value per Share, As Reported 18.76 18.01 4.16 18.30 10.05
Basic Tangible Book Value per Share 16.83 15.73 6.99 16.37 11.24
Tangible Book Value per Share, As Reported 17.03 15.96 6.70 16.56 11.35
Common Dividends Declared per Share 0.07 0.06 16.67 0.07 0
EPS after Extra 0.43 0.35 22.86 0.42 9.52
EPS after Extra Growth(%) 22.90 16.70 619 bp 40 (1,714) bp
Core EPS 0.38 0.36 5.56 0.42 (38.10)
Core EPS Growth(%) 6.20 63 (5,681) bp 39.10 (3,291) bp
Diluted EPS before Amortization 0.44 0.36 22.22 0.43 9.30
Pre-Provision Earnings per Share 0.71 0.64 10.94 0.69 11.59

   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.