$OFG Cashflow Statement | Understand Stock

$OFG

$50.96 -$0.55 (1.07%) Close

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Cash flows from operating activities:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of premiums, net of accretion of fair value discounts, on loans and amortization of deferred loan origination costs, net of fees
Amortization of fair value premiums on acquired deposits
Accretion of investment securities discounts, net of amortization of premiums
Amortization of other intangible assets
Net change in operating leases
Depreciation and amortization of premises and equipment
Deferred income tax (benefit) expense, net
Provision for credit losses
Stock-based compensation
Bargain purchase from Scotiabank PR & USVI acquisition
(Gain) loss on:
Sale of securities
Sale of loans
Early extinguishment of debt
Foreclosed real estate and other repossessed assets
Sale of other assets
Disposals of other assets
Originations and purchases of loans held-for-sale
Proceeds from sale of loans held-for-sale
Net (increase) decrease in:
Trading securities
Accrued interest receivable
Servicing assets
Other assets

Net increase (decrease) in:
Accrued interest on deposits and borrowings
Accrued expenses and other liabilities

Net cash provided by operating activities
Cash flows from investing activities:
Purchases of:
Investment securities available-for-sale
Investment securities held-to-maturity
Mortgage servicing rights
FHLB stock
Equity securities
Maturities and redemptions of:
Investment securities available-for-sale
Investment securities held-to-maturity
FHLB stock
Proceeds from sales of:
Investment securities available-for-sale
Foreclosed real estate and other repossessed assets, including write-offs
Loans held-for-investment
Fully charged-off loans
Premises and equipment
Other assets
Origination and purchase of loans, excluding loans held-for-sale
Principal repayment of loans
Additions to premises and equipment
Cash and cash equivalents received in Scotiabank Acquisition
Outlays for business acquisitions

Net cash used in investing activities
Cash flows from financing activities:
Net increase (decrease) in:
Deposits
Securities sold under agreements to repurchase
Subordinated capital notes
FHLB advances, federal funds purchased, and other borrowings

Exercise of stock options with treasury shares
FHLB advances and other borrowings
Employee awards repurchased, net of exercise of stock options and restricted units lapsed
Purchase of treasury stock
Redemption of preferred stock
Dividends paid on preferred stock
Dividends paid on common stock
Net cash provided by (used in) financing activities

Net change in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
Supplemental Cash Flow Disclosure and Schedule of Non-cash Activities:
Interest paid
Income taxes paid
Operating lease liabilities paid
Mortgage loans held-for-sale securitized into mortgage-backed securities
Transfer from held-to-maturity securities to available-for-sale securities
Transfer from loans to foreclosed real estate and other repossessed assets
Reclassification of loans held-for-investment portfolio to held-for-sale portfolio
Reclassification of loans held-for-sale portfolio to held-for-investment portfolio
Financed repayment of debt security at maturity
Financed sales of foreclosed real estate
Interest on loans subject to the temporary payment moratorium
Delinquent loans booked under the GNMA buy-back option
Cash consideration payable
Initial recognition of operating lease right-of-use assets
Initial recognition of operating lease liabilities
Conversion of debt security to equity security

Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Statements of Financial Condition:
Cash and due from banks
Money market investments
Restricted cash

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