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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)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,556,2074,291,5166.174,585,457(2.55)
Loans Held for Sale, before Reserves7,68210,505(26.87)10,368(103.63)
Loan Loss Reserve162,488168,592(3.62)164,231(4.25)
Net Loans Receivable4,401,4014,133,4296.484,431,594(2.73)
Intangible Assets89,14590,426(1.42)89,438(1.31)
Total Assets6,603,1916,247,1215.706,583,3521.21
Deposits4,897,1014,833,4281.324,908,115(0.90)
Debt, Senior and Subordinated571,664354,33761.33570,4250.87
Common Equity929,192770,84920.54907,8779.39
Total Shareholders' Equity1,021,192946,8497.85999,8778.53
Shares Outstanding (actual)51,328,00043,968,34216.7451,293,9240.27
Income Statement ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income81,78973,99410.5382,035(1.20)
Provision for Loan Losses12,24915,460(20.77)11,30033.59
Noninterest Income17,65618,514(4.63)19,258(33.27)
Noninterest Expense52,15252,1210.0651,7193.35
Net Income Before Taxes35,04424,92740.5943,274(76.07)
Provision for Taxes11,5748,01044.4918,530(150.16)
Net Income23,47016,91738.7424,744(20.59)
Per Share Items ($)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share18.1017.533.2617.709.12
Tangible Book Value16.3715.485.7615.9610.29
Diluted EPS Before Extra0.420.3040.000.45(26.67)
Diluted EPS After Extra0.420.3040.000.45(26.67)
Dividends Declared0.07000.060016.670.07000.00
Performance Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA1.421.09331.50(8)
ROAE9.237.1121210.07(84)
Net Interest Margin5.375.2985.2611
Loans / Deposits93.0488.7942593.43(39)
Efficiency Ratio52.5056.51(401)51.06144
Balance Sheet Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets14.3113.914014.0229
Equity/ Assets15.4715.163115.1928
Asset Quality Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA4.22NA4.09NA
Loan Loss Reserves/ Gross Loans3.563.92(36)3.57(1)
Loan Loss Reserves/ NPAsNA63.89NA60.97NA
Net Charge-offs/ Avg Loans1.141.1220.9717
Regulatory Capital Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio19.4919.004919.2029
   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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