Visit Oriental Bank
NYSE : OFG
$12.92
$ (0.60) - (4.87)%

Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,238,571 6,603,191 39.91 9,297,661 (2.54)
Total Net Loans 6,541,174 4,401,401 48.62 6,641,847 (6.06)
Total Deposits 7,819,271 4,897,101 59.67 7,698,610 6.27
Equity Attributable to Parent Company 1,022,594 1,021,192 0.14 1,045,478 (8.76)
Total Equity 1,022,594 1,021,192 0.14 1,045,478 (8.76)
Profitability (%)
Net Income($000) 1,801 23,470 (92.33) (991) NM
Net Income Attributable to Parent($000) 1,801 23,470 (92.33) (991) NM
ROAA 0.08 1.42 (134) bp (0.06) 14 bp
Core ROAA 0.01 1.44 (143) bp 1.01 (100) bp
ROAE 0.69 9.23 (854) bp (0.37) 106 bp
ROATCE 1.16 10.43 (927) bp (1.10) 226 bp
Core ROAE 0.07 9.32 (925) bp 6.01 (594) bp
Net Interest Margin 5.06 5.47 (41) bp 5.54 (48) bp
Reported: Net Interest Margin 5.17 5.58 (41) bp 5.34 (17) bp
Efficiency Ratio 62.63 50.95 1,168 bp 56.64 599 bp
Noninterest Inc/ Operating Rev 19.97 17.75 222 bp 19.67 30 bp
Balance Sheet Ratios (%)
Loans/ Deposits 86.53 93.04 (651) bp 87.53 (100) bp
Securities/ Assets 7.25 18.99 (1,174) bp 11.71 (446) bp
Total Equity/ Total Assets 11.07 15.47 (440) bp 11.24 (17) bp
Tangible Equity/ Tangible Assets 9.70 14.31 (461) bp 9.86 (16) bp
Tang Common Equity/ Tang Assets 8.69 12.90 (421) bp 8.85 (16) bp
Asset Quality (%)
NPAs/ Assets 3.38 3.96 (58) bp 2.34 104 bp
NPA Excl Restructured/ Assets 2.24 2.25 (1) bp 1.23 101 bp
NPAs & 90+ PD/ Assets 3.41 3.99 (58) bp 2.37 104 bp
NPAs/ Loans & REO 4.62 5.76 (114) bp 3.23 139 bp
Nonaccrual & 90+ & OREO/ Assets 2.27 2.28 (1) bp 1.25 102 bp
NPAs & 90+ PD/ Loans & REO 4.66 5.81 (115) bp 3.27 139 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 30.88 26.29 459 bp 23.76 712 bp
NCOs/ Avg Loans 1.43 1.14 29 bp 1.03 40 bp
Loan Loss Reserves/ Gross Loans 3.41 3.56 (15) bp 1.72 169 bp
Reserves/ NPAs 73.84 62.17 1,167 bp 53.49 2,035 bp
Loan Loss Provision/ NCO 196.10 95.12 10,098 bp 160.27 3,583 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 816,356 832,924 (1.99) 735,441 44.01
Tier 1 Capital($000) 933,226 949,794 (1.74) 852,311 37.97
Tier 2 Capital($000) 87,522 62,318 40.44 86,683 3.87
Total Capital($000) 1,020,748 1,012,112 0.85 938,994 34.83
Total Risk-weighted Assets($000) 6,983,626 4,872,806 43.32 6,824,413 9.33
Tier 1 Common Capital (CET1) Ratio(%) 11.69 17.09 (540) bp 10.78 91 bp
Tier 1 Ratio(%) 13.36 19.49 (613) bp 12.49 87 bp
Total Capital Ratio(%) 14.62 20.77 (615) bp 13.76 86 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.14 14.64 (450) bp 9.24 90 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,326,998 51,328,431 0 51,398,956 (0.56)
Avg Diluted Shares(actual) 51,713,000 51,626,000 0.17 51,791,000 (0.60)
Basic Book Value per Share 18.13 18.10 0.17 18.55 (9.06)
Book Value per Share, As Reported 18.33 18.30 0.16 18.75 (8.96)
Basic Tangible Book Value per Share 15.40 16.37 (5.93) 15.77 (9.38)
Tangible Book Value per Share, As Reported 15.60 16.56 (5.80) 15.96 (9.02)
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0 0.42 NM (0.05) NM
EPS after Extra Growth(%) (100) 40 (14,000) bp NM NM
Core EPS 0 0.42 NM 0.27 NM
Core EPS Growth(%) NM 39.10 NM (27.60) NM
Diluted EPS before Amortization 0 0.43 NM (0.04) NM
Pre-Provision Earnings per Share 0 0.69 NM 0.59 NM

   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.