Visit Oriental Bank
NYSE : OFG
$12.25
$ (0.03) - (0.25)%

Financial Highlights

Financial Highlights
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,932,719 6,464,127 53.66 9,238,571 30.05
Total Net Loans 6,739,243 4,474,497 50.61 6,541,174 12.11
Total Deposits 8,541,926 4,945,137 72.73 7,819,271 36.97
Equity Attributable to Parent Company 1,041,284 1,044,874 (0.34) 1,022,594 7.31
Total Equity 1,041,284 1,044,874 (0.34) 1,022,594 7.31
Profitability (%)
Net Income($000) 21,787 23,979 (9.14) 1,801 4,438.87
Net Income Attributable to Parent($000) 21,787 23,979 (9.14) 1,801 4,438.87
ROAA 0.92 1.48 (56) bp 0.08 84 bp
Core ROAA 1.06 1.31 (25) bp 0.01 105 bp
ROAE 8.40 9.25 (85) bp 0.69 771 bp
ROATCE 10.95 10.43 52 bp 1.16 979 bp
Core ROAE 9.72 8.19 153 bp 0.12 960 bp
Net Interest Margin 4.85 5.58 (73) bp 5.06 (21) bp
Reported: Net Interest Margin 4.78 5.39 (61) bp 5.17 (39) bp
Efficiency Ratio 59.29 49.03 1,026 bp 62.47 (318) bp
Noninterest Inc/ Operating Rev 18.40 18.31 9 bp 20.02 (162) bp
Balance Sheet Ratios (%)
Loans/ Deposits 81.39 93.47 (1,208) bp 86.53 (514) bp
Securities/ Assets 5.55 13.49 (794) bp 7.25 (170) bp
Total Equity/ Total Assets 10.48 16.16 (568) bp 11.07 (59) bp
Tangible Equity/ Tangible Assets 9.23 15 (577) bp 9.70 (47) bp
Tang Common Equity/ Tang Assets 8.29 13.55 (526) bp 8.69 (40) bp
Asset Quality (%)
NPAs/ Assets 3.02 4.03 (101) bp 3.38 (36) bp
NPA Excl Restructured/ Assets 1.96 2.17 (21) bp 2.24 (28) bp
NPAs & 90+ PD/ Assets 3.04 4.06 (102) bp 3.41 (37) bp
NPAs/ Loans & REO 4.29 5.65 (136) bp 4.62 (33) bp
Nonaccrual & 90+ & OREO/ Assets 1.98 2.21 (23) bp 2.27 (29) bp
NPAs & 90+ PD/ Loans & REO 4.32 5.69 (137) bp 4.66 (34) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 28.93 25.55 338 bp 30.88 (195) bp
NCOs/ Avg Loans 0.92 1.14 (22) bp 1.43 (51) bp
Loan Loss Reserves/ Gross Loans 3.34 3.51 (17) bp 3.41 (7) bp
Reserves/ NPAs 77.45 62.50 1,495 bp 73.84 361 bp
Loan Loss Provision/ NCO 112.36 136.38 (2,402) bp 196.10 (8,374) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 836,899 855,667 (2.19) 816,356 10.07
Tier 1 Capital($000) 953,769 972,537 (1.93) 933,226 8.81
Tier 2 Capital($000) 87,218 62,572 39.39 87,522 (1.39)
Total Capital($000) 1,040,987 1,035,109 0.57 1,020,748 7.93
Total Risk-weighted Assets($000) 6,957,906 4,895,441 42.13 6,983,626 (1.47)
Tier 1 Common Capital (CET1) Ratio(%) 12.03 17.48 (545) bp 11.69 34 bp
Tier 1 Ratio(%) 13.71 19.87 (616) bp 13.36 35 bp
Total Capital Ratio(%) 14.96 21.14 (618) bp 14.62 34 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.16 15.20 (504) bp 10.14 2 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,342,232 51,330,031 0.02 51,326,998 0.12
Avg Diluted Shares(actual) 51,470,000 51,680,000 (0.41) 51,713,000 (1.88)
Basic Book Value per Share 18.49 18.56 (0.38) 18.13 7.94
Book Value per Share, As Reported 18.69 18.76 (0.37) 18.33 7.86
Basic Tangible Book Value per Share 15.81 16.83 (6.06) 15.40 10.65
Tangible Book Value per Share, As Reported 16.01 17.03 (5.99) 15.60 10.51
Common Dividends Declared per Share 0.07 0.07 0 0.07 0
EPS after Extra 0.39 0.43 (9.30) 0 NM
EPS after Extra Growth(%) (9.30) 22.90 (3,216) bp (100) 9,070 bp
Core EPS 0.46 0.38 21.05 0 NM
Core EPS Growth(%) 20.90 6.20 1,474 bp NM NM
Diluted EPS before Amortization 0.44 0.44 0 0 NM
Pre-Provision Earnings per Share 0.71 0.71 0 0 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.