Financial Highlights
2016 FY
6/30/2016
2017 FY
6/30/2017
2018 FY
6/30/2018
2019 FY
6/30/2019
2020 FQ1 YTD
9/30/2019
Balance Sheet ($000)
Total Assets 3,669,338 4,137,684 4,167,039 4,070,516 3,989,658
Total Net Loans 3,131,957 3,566,703 3,540,903 3,491,322 3,421,268
Total Deposits 2,260,003 2,856,478 2,915,128 2,923,244 2,936,546
Equity Attributable to Parent Company 535,200 559,223 559,346 529,147 529,300
Total Equity 535,200 559,223 559,346 529,147 529,300
Profitability (%)
Net Income($000) 52,295 49,144 42,894 52,059 12,300
Net Income Attributable to Parent($000) 52,295 49,144 42,894 52,059 12,300
ROAA 1.50 1.24 1.04 1.27 1.22
Core ROAA 1.12 1.13 1.31 1.32 1.22
ROAE 9.91 8.98 7.65 9.60 9.29
ROATCE 9.91 8.98 7.65 9.60 9.29
Core ROAE 7.38 8.12 9.68 9.94 9.30
Net Interest Margin 3.04 2.79 2.79 2.59 2.54
Reported: Net Interest Margin 3.04 2.79 2.79 2.59 2.54
Efficiency Ratio 42.99 37.15 33.63 35.44 34.76
Noninterest Inc/ Operating Rev 5.17 4.22 3.44 3.91 3.88
Balance Sheet Ratios (%)
Loans/ Deposits 139.91 125.92 122.51 120.41 117.48
Securities/ Assets 9.48 8.94 9.85 9.64 9.44
Total Equity/ Total Assets 14.59 13.52 13.42 13 13.27
Tangible Equity/ Tangible Assets 14.59 13.52 13.42 13 13.27
Tang Common Equity/ Tang Assets 14.59 13.52 13.42 13 13.27
Asset Quality (%)
NPAs/ Assets 0.30 0.26 0.23 0.27 0.16
NPA Excl Restructured/ Assets 0.28 0.25 0.23 0.26 0.16
NPAs & 90+ PD/ Assets 0.30 0.26 0.23 0.27 0.16
NPAs/ Loans & REO 0.34 0.30 0.27 0.31 0.19
Nonaccrual & 90+ & OREO/ Assets 0.28 0.25 0.23 0.26 0.16
NPAs & 90+ PD/ Loans & REO 0.34 0.30 0.27 0.31 0.19
NPA & Loans 90+/ Tangible Common Equity + LLR 1.92 1.82 1.65 1.94 1.16
NCOs/ Avg Loans 0.03 (0.01) (0.01) 0 0
Loan Loss Reserves/ Gross Loans 0.95 0.84 0.86 0.81 0.83
Reserves/ NPAs 276.28 282.26 313.46 263.65 440.80
Loan Loss Provision/ NCO 0 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 545,272 555,703 548,122 529,692 531,990
Tier 1 Capital($000) 545,272 555,703 548,122 529,692 531,990
Tier 2 Capital($000) 29,951 30,272 30,563 28,596 28,608
Total Capital($000) 575,223 585,975 578,685 558,288 560,598
Total Risk-weighted Assets($000) 3,251,547 3,698,727 3,699,137 3,634,694 3,567,314
Tier 1 Common Capital (CET1) Ratio(%) 16.77 15.02 14.82 14.57 14.91
Tier 1 Ratio(%) 16.77 15.02 14.82 14.57 14.91
Total Capital Ratio(%) 17.69 15.84 15.64 15.36 15.72
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.94 13.51 13.25 12.98 13.19
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 45,247,420 45,992,366 46,616,646 45,097,052 45,100,052
Avg Diluted Shares(actual) 43,275,000 44,509,000 45,074,000 44,207,000 43,954,000
Basic Book Value per Share 11.83 12.16 12 11.73 11.74
Book Value per Share, As Reported 11.83 12.16 12 11.73 NA
Basic Tangible Book Value per Share 11.83 12.16 12 11.73 11.74
Tangible Book Value per Share, As Reported 11.83 12.16 12 11.73 NA
Common Dividends Declared per Share 1.20 1.20 1.30 1.15 0.25
EPS after Extra 1.21 1.10 0.95 1.18 0.28
EPS after Extra Growth(%) 10 (9.10) (13.60) 24.20 (6.70)
Core EPS 0.90 1 1.20 1.22 0.28
Core EPS Growth(%) (2.40) 10.50 20.80 1.60 (15.60)
Diluted EPS before Amortization 1.21 1.10 0.95 1.18 0.28
Pre-Provision Earnings per Share 0.91 0.99 1.32 1.23 0.30
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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