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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 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,509,7434,106,6189.824,471,0853.46
Loans Held for Sale, before Reserves8,97912,114(25.88)10,215(48.40)
Loan Loss Reserve165,742154,1607.51165,4340.74
Net Loans Receivable4,352,9803,964,5729.804,315,8663.44
Intangible Assets89,76791,124(1.49)90,097(1.47)
Total Assets6,656,6746,288,2175.866,501,5629.54
Deposits5,088,9934,826,4045.444,880,20117.11
Debt, Senior and Subordinated488,043419,25416.41552,266(46.52)
Common Equity793,886761,6304.24781,8196.17
Total Shareholders' Equity969,886937,6303.44957,8195.04
Shares Outstanding (actual)44,005,74143,947,4420.1343,983,1950.21
Income Statement ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income82,27780,4782.2477,58824.17
Provision for Loan Losses14,60144,042(66.85)14,747(3.96)
Noninterest Income18,62017,9083.9818,703(1.78)
Noninterest Expense50,94150,4690.9452,300(10.39)
Net Income Before Taxes35,3553,879811.4529,24483.59
Provision for Taxes12,2555602,088.399,595110.89
Net Income23,1003,319595.9919,64970.25
Per Share Items ($)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share18.0417.334.1017.785.97
Tangible Book Value16.0015.264.8715.736.96
Diluted EPS Before Extra0.420.00NM0.3580.00
Diluted EPS After Extra0.420.00NM0.3580.00
Dividends Declared0.06000.06000.000.06000.00
Performance Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.420.221201.2319
ROAE9.491.408098.19130
Net Interest Margin5.555.72(17)5.3322
Loans / Deposits88.6285.0935391.62(300)
Efficiency Ratio50.5851.66(108)54.49(391)
Balance Sheet Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.4013.66(26)13.53(13)
Equity/ Assets14.5714.91(34)14.73(16)
Asset Quality Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets3.914.04(12)4.13(22)
Loan Loss Reserves/ Gross Loans3.673.74(8)3.69(2)
Loan Loss Reserves/ NPAs63.6260.7129161.58204
Net Charge-offs/ Avg Loans1.161.22(6)1.44(29)
Regulatory Capital Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio18.5519.53(98)18.3817
   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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