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OFG • CIK 0001030469
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $554,744 | $613,602 | $629,940 | $640,514 |
| Interest Income, Securities, Mortgage Backed | $50,359 | $91,776 | $115,990 | $117,028 |
| Interest and Dividend Income, Securities, Operating | $43,777 | $44,899 | $35,006 | $31,101 |
| Interest Income (Expense), Net | $560,870 | $588,440 | $608,467 | $618,580 |
| Interest and Dividend Income, Operating | $648,880 | $750,277 | $780,936 | $788,643 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $60,638 | $82,251 | $107,513 | $95,636 |
| Interest Income (Expense), after Provision for Loan Loss | $500,232 | $506,189 | $500,954 | $522,944 |
| Noninterest Income, Other | $7,675 | $2,075 | $1,635 | $1,364 |
| Noninterest Income | $128,381 | $123,249 | $122,976 | $128,218 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $265,248 | $253,748 | $234,117 | $252,068 |
| Income Tax Expense (Benefit) | $83,376 | $55,578 | $29,014 | $31,624 |
| Net Income (Loss) Available to Common Stockholders, Basic | $181,872 | $198,170 | $205,103 | $220,444 |
| Weighted Average Number of Shares Outstanding, Diluted | 47,552,000 | 46,902,000 | 44,760,000 | 42,140,000 |
| Interest Expense, Deposits | $75,965 | $150,280 | $152,747 | $146,568 |
| Interest Expense, Securities Sold under Agreements to Repurchase | $3,306 | $542 | $2,767 | $4,866 |
| InterestExpenseOperating | — | $161,837 | $172,469 | $170,063 |
| Fees and Commissions, Mortgage Banking and Servicing | $18,787 | $18,636 | $19,133 | $21,001 |
| Labor and Related Expense | $155,827 | $159,710 | $162,426 | $165,452 |
| Occupancy, Net | $59,235 | $59,123 | $59,781 | $58,023 |
| Information Technology and Data Processing | $27,162 | $27,582 | $26,806 | $27,554 |
| Professional Fees | $18,764 | $18,876 | $23,705 | $24,827 |
| Taxes, Other | $12,968 | $13,949 | $15,774 | $16,596 |
| Advertising Expense | $8,743 | $9,714 | $11,416 | $12,459 |
| Communication | $4,678 | $4,551 | $4,553 | $4,412 |
| Supplies and Postage Expense | $3,338 | $3,816 | $4,148 | $4,439 |
| Other Noninterest Expense | $12,100 | $13,354 | $11,227 | $10,600 |
| Noninterest Expense | $363,365 | $375,690 | $389,813 | $399,094 |
| Weighted Average Number of Shares Outstanding, Basic | 47,258,000 | 46,637,000 | 44,552,000 | 42,000,000 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 294,000 | 265,000 | 208,000 | 140,000 |
| Revenues | $0 | — | — | $0 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 |
|---|
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $181,872 | $198,170 | $205,103 | $220,444 |
| Net Cash Provided by (Used in) Operating Activities | $295,657 | $252,500 | $217,719 | $225,032 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $197,709 | $-157,036 | $449,198 | $-106,092 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $748,173 | $591,137 | $1,040,335 | $966,234 |
| Amortization of Deferred Loan Origination Fees, Net | $-1,339 | $-2,658 | $-809 | $744 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $4,451 | $6,715 | $1,287 | $1,821 |
| Amortization of Intangible Assets | $6,899 | $5,912 | $4,928 | $4,434 |
| Net Cash Provided by (Used in) Investing Activities | $-1,404,745 | $-335,979 | $-438,378 | $-85,854 |
| Depreciation, Nonproduction | $20,387 | $20,875 | $20,458 | $19,965 |
| Deferred Income Tax Expense (Benefit) | $67,349 | $21,561 | $-153,673 | $-156,322 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $60,638 | $82,251 | $107,513 | $95,636 |
| Share-based Payment Arrangement, Noncash Expense | $5,001 | $7,170 | $6,235 | $6,081 |
| Payments for Repurchase of Equity | $18,653 | $70,324 | $91,596 | $104,982 |
| Payments of Ordinary Dividends, Common Stock | $41,011 | $45,646 | $51,874 | $54,798 |
| Net Cash Provided by (Used in) Financing Activities | $1,306,797 | $-73,557 | $669,857 | $-245,270 |
| Cash and Due from Banks | $743,550 | $584,467 | $1,036,074 | $964,253 |
| Money Market Funds, at Carrying Value | $4,623 | $6,670 | $4,261 | $1,981 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $79,726 | $156,788 | $165,249 | $166,116 |
| Income Taxes Paid, Net | $15,007 | $40,071 | $81,532 | $122,968 |
| Operating Lease, Payments | $10,117 | $9,587 | $9,230 | $9,112 |
| Financing Receivable, Reclassification to Held-for-sale | $53,021 | $34,684 | $13,062 | $75,553 |
| Transfer of Loans Held-for-sale to Portfolio Loans | $8,763 | $13,622 | $15,653 | $20,075 |
| Payments to Acquire Debt Securities, Available-for-sale | $1,035,453 | $1,325,554 | $526,690 | $427,881 |
| Payments to Acquire Held-to-maturity Securities | $35,000 | $0 | $0 | $0 |
| Payments to Acquire Mortgage Servicing Rights (MSR) | — | $20,377 | $0 | $0 |
| Payments for (Proceeds from) Federal Home Loan Bank Stock | $44,781 | $77,066 | $30,367 | $14,175 |
| Payments to Acquire Other Investments | $5,943 | $6,635 | $4,701 | $5,332 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $273,643 | $990,954 | $526,073 | $563,347 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $22,265 | $222,054 | $22,153 | $22,026 |
| Proceeds from Maturities, Prepayments and Calls of Other Investments | $36,298 | $67,274 | $27,226 | $14,246 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $202,133 | $149,406 | $0 | $0 |
| Proceeds from Sale of Foreclosed Assets | $60,085 | $48,178 | $53,894 | $52,070 |
| Proceeds from Sale of Loans Held-for-investment | $0 | — | $13,755 | $13,755 |
| Proceeds from Sale of Property, Plant, and Equipment | $38 | $1 | $1,423 | $1,440 |
| Payments to Acquire Finance Receivables | $3,586,017 | $2,970,598 | $3,463,149 | $3,565,704 |
| Proceeds from Collection of Finance Receivables | $2,725,844 | $2,607,720 | $2,960,387 | $3,282,725 |
| Payments to Acquire Property, Plant, and Equipment | $17,857 | $21,336 | $18,382 | $22,371 |
| Debt Securities, Realized Gain (Loss) | $-1,149 | $-7 | $0 | $0 |
| Gain (Loss) on Sale of Mortgage Loans | $7,331 | $1,377 | $4,037 | $2,909 |
| Profit (Loss) from Real Estate Operations | $6,251 | $557 | $2,187 | $2,984 |
| Gain (Loss) on Disposition of Other Assets | $-106 | $1 | $1,077 | $1,072 |
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | $-6,108 | $-6,108 |
| Payments for Origination and Purchases of Loans Held-for-sale | $67,941 | $122,999 | $131,805 | $110,136 |
| Proceeds from Sale of Loans Held-for-sale | $35,881 | $80,953 | $49,979 | $91,476 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $8,938 | $250 | $-612 | $-3,682 |
| Increase (Decrease) in Other Operating Assets | $-4,971 | $31,339 | $-55,873 | $-76,410 |
| Increase (Decrease) in Interest Payable, Net | $3,000 | $520 | $3,446 | $550 |
| Increase (Decrease) in Accrued Liabilities | $279 | $-4,759 | $46,914 | $-24,153 |
| Increase (Decrease) in Deposits | $1,195,080 | $-153,217 | $661,846 | $-155,677 |
| Increase (Decrease) in Federal Funds Purchased and Securities Sold under Agreements to Repurchase, Net | — | $75,000 | $25,000 | $72,657 |