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Balance Sheet
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Income Overview
Net Income
$58,777K
EPS
$1.39
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
162,415
158,554
152,460*
161,334
Mortgage-backed securities
28,594
29,123
29,791*
29,244
Investment securities and other
6,141
6,449
6,949*
9,567
Total interest income
197,150
194,126
189,199*
200,145
Deposits
34,124
33,868
36,316*
39,742
Securities sold under agreements to repurchase
1,074
1,855
1,108*
986
Advances from fhlb and other borrowings
4,653
4,590
3,286*
4,693
Total interest expense
39,851
40,313
40,709*
45,421
Net interest income
157,299
153,813
148,490*
154,724
Provision for credit losses
13,006
22,483
32,609*
28,258
Net interest income after provision for credit losses
144,293
131,330
115,881*
126,466
Banking service revenue
17,397
16,944
16,576*
15,930
Wealth management revenue
9,727
8,913
10,867*
9,014
Mortgage banking activities
5,860
6,131
4,645*
4,312
Total banking and financial service revenues
32,984
31,988
32,087*
29,256
Other non-interest income
39
179
-1,936*
2,197
Total non-interest income
33,023
32,167
30,150*
31,453
Compensation and employee benefits
41,176
41,347
43,769*
39,836
Occupancy, equipment and infrastructure costs
14,273
13,418
15,347*
14,994
Electronic banking charges
12,229
8,604
9,678*
12,657
Information technology expenses
7,117
6,597
6,582*
6,805
Professional and service fees
4,839
6,214
8,482*
5,336
Taxes, other than payroll and income taxes
4,158
4,133
3,930*
4,153
Insurance
2,802
2,873
2,756*
2,721
Advertising, business promotion, and strategic initiatives
3,187
3,016
3,288*
2,875
Loan servicing and clearing expenses
2,497
2,564
2,455*
2,288
Communication
1,100
1,099
1,102*
1,080
Printing, postage, stationery and supplies
933
1,487
1,141*
1,022
Director and investor relations
396
313
466*
296
Foreclosed real estate and other repossessed assets (income) expenses, net
476
114
-1,342*
521
Operational losses and related loss provisions
5,930
-
-
-
Other
2,671
3,152
2,454*
3,006
Total non-interest expense
102,832
94,703
102,788*
96,548
Income before income taxes
74,484
68,794
43,242.5
61,371
Income tax expense
15,707
14,857
-6,402.5
9,533
Net income available to common shareholders
58,777
53,937
49,645
51,838
Basic EPS
1.39
1.26
1.119
1.17
Diluted EPS
1.39
1.26
1.113
1.16
Basic Average Shares
42,261,000
42,786,000
44,372,000
44,430,000
Diluted Average Shares
42,397,000
42,956,000
44,589,000
44,658,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans
$162,415K
(3.46%↑ Y/Y)
Mortgage-backed securities
$28,594K
(1.32%↑ Y/Y)
Investment securities and
other
$6,141K
(-32.80%↓ Y/Y)
Total interest income
$197,150K
(1.44%↑ Y/Y)
Banking service revenue
$17,397K
(8.85%↑ Y/Y)
Wealth management
revenue
$9,727K
(9.07%↑ Y/Y)
Mortgage banking
activities
$5,860K
(9.59%↑ Y/Y)
Net interest income
$157,299K
(3.54%↑ Y/Y)
Total banking and
financial service...
$32,984K
(9.05%↑ Y/Y)
Other non-interest
income
$39K
(-78.80%↓ Y/Y)
Total interest
expense
$39,851K
(-6.05%↓ Y/Y)
Net interest income
after provision for...
$144,293K
(10.78%↑ Y/Y)
Total non-interest
income
$33,023K
(8.52%↑ Y/Y)
Provision for credit
losses
$13,006K
(-40.00%↓ Y/Y)
Deposits
$34,124K
(-9.91%↓ Y/Y)
Advances from fhlb and
other borrowings
$4,653K
(5.27%↑ Y/Y)
Securities sold under
agreements to repurchase
$1,074K
(795.00%↑ Y/Y)
Income before income
taxes
$74,484K
(13.06%↑ Y/Y)
Total non-interest
expense
$102,832K
(8.47%↑ Y/Y)
Foreclosed real estate and
other repossessed...
$476K
(253.55%↑ Y/Y)
Net income
available to common...
$58,777K
(13.47%↑ Y/Y)
Income tax expense
$15,707K
(11.57%↑ Y/Y)
Compensation and employee
benefits
$41,176K
(4.07%↑ Y/Y)
Occupancy, equipment and
infrastructure costs
$14,273K
(-2.43%↓ Y/Y)
Electronic banking charges
$12,229K
(-0.38%↓ Y/Y)
Information technology
expenses
$7,117K
(6.57%↑ Y/Y)
Operational losses and
related loss provisions
$5,930K
Professional and service fees
$4,839K
(0.54%↑ Y/Y)
Taxes, other than
payroll and income taxes
$4,158K
(11.09%↑ Y/Y)
Advertising, business
promotion, and strategic...
$3,187K
(25.28%↑ Y/Y)
Insurance
$2,802K
(-7.37%↓ Y/Y)
Other
$2,671K
(-6.05%↓ Y/Y)
Loan servicing and
clearing expenses
$2,497K
(14.96%↑ Y/Y)
Communication
$1,100K
(-9.91%↓ Y/Y)
Printing, postage,
stationery and supplies
$933K
(-5.09%↓ Y/Y)
Director and investor
relations
$396K
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OFG BANCORP (OFG)
OFG BANCORP (OFG)