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All holders (including preferred stockholders), upon request, can receive a hard copy of OFG's complete audited financial statements free of charge.

 
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,585,4624,211,5668.884,509,7436.72
Loans Held for Sale, before Reserves10,36812,272(15.51)8,97961.88
Loan Loss Reserve164,236167,509(1.95)165,742(3.63)
Net Loans Receivable4,431,5944,056,3299.254,352,9807.22
Intangible Assets89,43790,756(1.45)89,767(1.47)
Total Assets6,583,3526,189,0536.376,656,674(4.41)
Deposits4,908,1154,799,4822.265,088,993(14.22)
Debt, Senior and Subordinated570,425328,74873.51488,04367.52
Common Equity907,877769,10718.04793,88657.43
Total Shareholders' Equity999,877945,1075.80969,88612.37
Shares Outstanding (actual)51,294,00043,947,44216.7244,005,74166.25
Income Statement ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income82,03573,51311.5982,277(1.18)
Provision for Loan Losses11,30024,907(54.63)14,601(90.43)
Noninterest Income19,25816,81514.5318,62013.71
Noninterest Expense51,71946,66210.8450,9416.11
Net Income Before Taxes43,27418,759130.6835,35589.59
Provision for Taxes18,5301,686999.0512,255204.81
Net Income24,74417,07344.9323,10028.47
Per Share Items ($)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share17.7017.501.1418.04(7.56)
Tangible Book Value15.9615.443.3716.00(1.12)
Diluted EPS Before Extra0.450.3050.000.4228.57
Diluted EPS After Extra0.450.3050.000.4228.57
Dividends Declared0.07000.060016.670.060066.67
Performance Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.501.10401.428
ROAE10.077.242839.4958
Net Interest Margin5.265.08185.55(29)
Loans / Deposits93.4387.7556888.62481
Efficiency Ratio51.0651.70(64)50.5848
Balance Sheet Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets14.0214.01113.4062
Equity/ Assets15.1915.27(8)14.5762
Asset Quality Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA4.15NA3.91NA
Loan Loss Reserves/ Gross Loans3.573.97(39)3.67(9)
Loan Loss Reserves/ NPAsNA65.27NA63.62NA
Net Charge-offs/ Avg Loans0.971.09(12)1.16(19)
Regulatory Capital Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio19.2019.051518.5565
   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.



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