Financial insights of OFG

MyFinsight

For the year ending 2025-12-31.

Income Overview

Net Income
$205,103K
EPS
$4.58
Unit: Thousand (K) dollars

Income Statement	2025-12-31
Loans	629,940
Mortgage-backed securities	115,990
Investment securities and other	35,006
Total interest income	780,936
Deposits	152,747
Securities sold under agreements to repurchase	2,767
Advances from fhlb and other borrowings	16,955
Total interest expense	172,469
Net interest income	608,467
Provision for credit losses	107,513
Net interest income after provision for credit losses	500,954
Banking service revenue	64,443
Wealth management revenue	37,765
Mortgage banking activities	19,133
Total banking and financial service revenues	121,341
Other non-interest income	1,635
Total non-interest income	122,976
Compensation and employee benefits	162,426
Occupancy, equipment and infrastructure costs	59,781
Electronic banking charges	47,077
Information technology expenses	26,806
Professional and service fees	23,705
Taxes, other than payroll and income taxes	15,774
Insurance	11,375
Advertising, business promotion, and strategic initiatives	11,416
Loan servicing and clearing expenses	9,145
Communication	4,553
Printing, postage, stationery and supplies	4,148
Director and investor relations	1,354
Foreclosed real estate and other repossessed assets expenses (income), net	-1,026
Other	11,227
Total non-interest expense	389,813
Income before income taxes	234,117
Income tax expense at statutory rates	87,794
Purchased tax credits	3,876
Foreign tax credit	8,125
Tax of exempt income, net	13,462
Disallowed expense and net operating loss carryover-PR	186
Change in valuation allowance	-4,853
Unrecognized tax benefits, net	-1,005
Effect of income subject to preferential rate	-13,166
Tax rate difference (ordinary vs capital)	0
Preferential tax treatment on qualified investment activities	-22,822
Return to provision adjustments-PR	470
Stock-based compensation windfall-PR	-674
Other items, net-PR	186
Difference in tax rates due to multiple jurisdictions-US	-2,142
Withholding tax	10,407
Disallowed expense and net operating loss carryover	4
Return to provision adjustments-US	0
Stock-based compensation windfall-US	-23
Other items, net-US	52
Difference in tax rates due to multiple jurisdictions-VI	63
Income tax expense	29,014
Net income available to common shareholders	205,103

Basic EPS	4.6
Diluted EPS	4.58
Basic Average Shares	44,552,000
Diluted Average Shares	44,760,000

MyFinsight

Income Overview

Net Income
$205,103K
EPS
$4.58
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$205,103K
EPS
$4.58
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$205,103KEPS$4.58Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$205,103KEPS$4.58Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$205,103K
EPS
$4.58
Unit: Thousand (K) dollars

Net Income
$205,103K
EPS
$4.58
Unit: Thousand (K) dollars