OFG Bancorp (OFG) 8-K Results of Operations and Financial Condition

Exhibit 99

Puerto Rico Contact:

Juan C. Cruz,

Oriental Financial Group

(787) 771-6820

U.S. Contact:

Steven Anreder and Gary Fishman,

Anreder & Company

(212) 532-3232

ORIENTAL FINANCIAL GROUP REPORTS RESULTS FOR THE THIRD
QUARTER AND NINE MONTHS ENDED SEPTEMBER 30, 2006

SAN JUAN, Puerto Rico, November 1, 2006 — Oriental Financial Group Inc. (NYSE: OFG) today announced results for the third quarter and nine months ended September 30, 2006.

For the third quarter of 2006, income available to common shareholders totaled $1.18 million, or $0.05 per share diluted, compared to $1.32 million, or $0.05 per share diluted, in the preceding quarter, and $7.22 million, or $0.29 per share diluted, in the year ago quarter. Return on Assets (ROA) was 0.20% and Return on Common Equity (ROCE) was 1.69% for the September 2006 quarter, compared to 0.22% and 1.94%, respectively, for the June 2006 quarter and 0.77% and 12.68%, respectively, for the September 2005 quarter.

For the first nine months of 2006, income available to common shareholders totaled $9.34 million, or $0.38 per share diluted, compared to $31.80 million, or $1.25 per share diluted, in the comparable year ago period. ROA was 1.11% and ROCE was 5.84% for the first nine months of 2006 compared to 3.32% and 49.73%, respectively, for the first nine months of 2005.

Total financial assets managed and owned amounted to $7.77 billion at September 30, 2006, compared with $7.94 billion at June 30, 2006 and $7.39 billion at September 30, 2005. Total loans, net were a record $1.18 billion, up 2.1% from the second quarter and 31.0% higher as compared with the year ago quarter. In line with the Group’s strategy, loans as a percentage of interest earning assets increased to 26.6% as of September 30, 2006, from 24.8% as of June 30, 2006 and 21.0% as of September 30, 2005, while investments as a percentage of interest earning assets declined correspondingly.

During the September 2006 quarter, Oriental took advantage of favorable market conditions and sold $321 million of securities, generating a net gain on sale of $2.5 million. Proceeds from the sales were mainly used to reduce repurchase agreements, whose average cost had increased significantly in recent quarters. As a result, at September 30, 2006, investments totaled $3.26 billion, 6.9% lower than June 30, 2006 levels, and borrowings were $2.99 billion, down 7.9% from June 30, 2006.

Oriental declared dividends of $0.14 per common share for the third quarter of 2006 and $0.42 per common share for the first nine months of 2006, the same as year ago levels.

Page 1 of 4

Commentary & Outlook

“Third quarter results continued to reflect significant increases in interest costs as a result of rate hikes that occurred though 2005 and mid-2006,” said José Rafael Fernández, President and CEO. “With the Federal Open Market Committee recently holding off on any new increases, however, net interest margin compression began to slow in the September quarter as compared to the June and March periods.”

Mr. Fernández said third quarter results also featured strong growth in interest income from the Group’s loan portfolio; a rebound in commercial lending volume from the preceding June 2006 quarter; and continued control of non-interest expenses. Oriental launched an improved online retail and commercial banking platform during the quarter, to help drive these segments of the business. In addition, he reported that both credit quality and capital remained strong.

Mr. Fernández reiterated that fourth quarter 2006 results are expected to continue to be impacted by recent interest rate increases, although indications of an improved interest rate environment could benefit 2007. He added that the Group is continuing its strategic plan, which includes the repositioning of its investment securities portfolio and related funding sources, while increasing banking and financial services revenues, and maintaining tight cost controls.

Analysis of Third Quarter Income Statement

Net interest income for the quarter amounted to $9.0 million for a Net Interest Margin (NIM) of 0.77%, compared to $10.7 million (0.96%) in the June 2006 quarter and $17.3 million (1.64%) in the September 2005 quarter. The decline in net interest income reflected the aforementioned higher rates on interest bearing liabilities, primarily short-term borrowings, which in the third quarter continued to increase faster than yields on interest earning assets.

Interest income for the quarter totaled $60.9 million, an increase of 7.0% over the June 2006 quarter and 19.8% above the September 2005 quarter, while interest expense of $51.9 million increased 12.4% over the June 2006 quarter and 55.0% above the September 2005 quarter.

Interest income from loans rose 13.7% over the June 2006 quarter and 36.8% over the September 2005 quarter, reflecting higher volume and yield. Interest income from securities increased 3.8% from the June 2006 quarter and 12.5% over the September 2005 quarter.

Within non-interest income, total banking and financial service revenues amounted to $7.7 million, off 4.2% from the June 2006 quarter, but up 6.8% over the September 2005 quarter. Financial service revenues of $4.0 million were similar to the preceding and year ago quarters, reflecting recurring revenues in trust, IRA, Keogh, insurance and brokerage services. Banking service revenues amounted to $2.0 million compared to $2.5 million in the June 2005 quarter and $2.2 million in the September 2005 quarter.

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Investment banking revenues, which depend on the amount and volume of securities offerings underwritten or placed by Oriental’s broker-dealer subsidiary in a quarter, were $0.6 million compared to $0.9 million in the June 2006 quarter and virtually nil in the year ago quarter. Mortgage banking activities generated $1.1 million, which was 77.0% higher than the preceding quarter and 5.1% higher than the year ago quarter.

Non-interest expenses totaled $15.1 million, down 1.6% from the September 2005 quarter. For the first nine months of 2006, non-interest expenses of $44.8 million were 6.1% lower than the corresponding year ago period, excluding non-cash compensation related to the variable accounting for certain employee stock options.

September 30, 2006 Balance Sheet Analysis

Mortgage loans totaled $906.8 million at September 30, 2006, up 2.2% sequentially and 45.9% from a year ago. Commercial loans at $234.4 million were up 2.8% sequentially, but slightly lower than at September 30, 2005. Consumer loans amounted to $39.2 million, reflecting 25.4% year over year growth, but were level with June 30, 2006 balances due to the adoption of a more conservative lending posture in light of local economic conditions.

Loan production amounted to $86.1 million, similar to the $88.1 million level in the June 2006 quarter, but down from the $102.4 million level in the September 2005 quarter. On a sequential quarter basis, commercial production increased 16.8%, to $14.5 million, but consumer and mortgage production declined $1.5 million and $2.6 million, respectively.

At September 30, 2006, deposits of $1.29 billion were up 6.6% from the end of the preceding quarter and were approximately level with a year ago. Savings accounts at $213.0 million increased 24.6% sequentially and 147.0% year over year, mainly as a result of the increase in Oriental Money, a combined checking and passbook-like product. Certificates of Deposit at $943.7 million were down 12.0% year over year, but up 4.7% from June 30, 2006. Due to the high level of rates being offered for retail CDs in Puerto Rico, the Group continues to monitor closely the local CD market to decide when to pursue such deposits. At September 30, 2006, brokered CDs represented 19.3% of total deposits compared to 22.1% a year ago.

Credit Quality

Credit quality continued to be favorable. Provision for loan losses for the September 2006 quarter remained relatively stable at $0.9 million compared to the June 2006 quarter and approximately $1.0 million in the September 2005 quarter. The provision is based on an analysis by the Group of the credit quality and composition of its loan portfolio to maintain the allowance at an adequate level. Year to date total provisioning of $2.9 million has exceeded total net credit losses by 53.3%.

Page 3 of 4

At September 30, 2006, non-performing loans were $34.2 million (2.89% of total loans), compared to $29.4 million (2.53%) at June 30, 2006 and $28.5 million (3.14%) at September 30, 2005. The current level largely reflects an increase of $5.3 million in non-performing residential mortgages in the September 2006 quarter due to overall residential mortgage loan growth and the effects of the current economic situation in Puerto Rico. This increase is not expected to translate into higher losses because these loans are well collateralized with an adequate loan to value ratio. Net credit losses also remained relatively small at $0.7 million (0.26% of average loans outstanding) for the September 2006 quarter versus $0.6 million (0.25%) for the June 2006 quarter and $0.6 million (0.27%) for the September 2005 quarter.

Capital

The Group continues to be well-capitalized, with ratios significantly above regulatory capital adequacy guidelines. At September 30, 2006, the Leverage Capital Ratio was 8.96% (2.2 times the minimum of 4.00%), Tier 1 Risk-Based Capital Ratio was 28.18% (7.0 times the minimum of 4.00%), and Total Risk-Based Capital Ratio was 28.68% (3.6 times the minimum of 8.00%).

Book value per share at September 30, 2006 equaled $11.57, compared to $11.08 at June 30, 2006 and $11.24 at September 30, 2005. Stockholders’ equity totaled $351.7 million, versus $340.3 million at June 30, 2006 and $346.5 million at September 30, 2005. The sequential increases in book value and shareholders’ equity included the effect of improved mark to market valuations in the available for sale investment portfolio.

During the third quarter of 2006 and the first week of October, Oriental repurchased 150,000 outstanding shares of common stock at an average price of $12.09 each, for a total of $1.82 million, leaving approximately $8.5 million available under the Group’s current stock repurchase program.

About Oriental Financial Group

Oriental Financial Group Inc. (www.OrientalOnline.com) is a diversified financial holding company operating under U.S. and Puerto Rico banking laws and regulations. Now in its 41^st year in business, Oriental provides a full range of mortgage, commercial and consumer banking services through 24 financial centers in Puerto Rico, as well as financial planning, trust, insurance, investment brokerage and investment banking services.

Forward-Looking Statements

This news release may contain forward-looking statements that reflect management’s beliefs and expectations and are subject to risks and uncertainties inherent to the Group’s business, including, without limitation, the effect of economic and market conditions, the level and volatility of interest rates, and other risks and considerations detailed in the Group’s filings with the Securities and Exchange Commission. These or other factors could cause actual results to differ materially from forward-looking statements. The Group also disclaims any obligations to update information contained in this news release as a result of developments occurring after the date of issuance.

#  #  #

Page 4 of 4

ORIENTAL FINANCIAL GROUP
Financial Summary
(NYSE:OFG)

	QUARTER ENDED												NINE-MONTH PERIOD ENDED
	30-Sep-06			30-Sep-05			%			30-Jun-06			30-Sep-06			30-Sep-05			%
Summary of Operations (in thousands, except per share data):
Interest Income:
Loans	$	20,819		$	15,218			36.8	%	$	18,311		$	55,384		$	43,575			27.1	%
Investment securities		40,046			35,595			12.5	%		38,583			118,368			103,687			14.2	%
Total interest income		60,865			50,813			19.8	%		56,894			173,752			147,262			18.0	%
Deposits		11,931			9,589			24.4	%		11,146			33,575			25,909			29.6	%
Securities sold under agreements to repurchase		36,035			20,132			79.0	%		31,128			93,525			54,101			72.9	%
Other borrowed funds		3,946			3,764			4.8	%		3,912			11,777			10,226			15.2	%
Total interest expense		51,912			33,485			55.0	%		46,186			138,877			90,236			53.9	%
Net interest income		8,953			17,328			-48.3	%		10,708			34,875			57,026			-38.8	%
Provision for loan losses		(870	)		(951	)		-8.5	%		(947	)		(2,918	)		(2,461	)		18.6	%
Net interest income after provision for loan losses		8,083			16,377			-50.6	%		9,761			31,957			54,565			-41.4	%
Non-Interest Income:
Financial service revenues		3,986			3,919			1.7	%		4,066			11,303			10,515			7.5	%
Banking service revenues		2,025			2,244			-9.8	%		2,511			6,712			6,064			10.7	%
Investment banking revenues		592			5			11740.0	%		852			3,153			167			1788.0	%
Mortgage banking activities		1,122			1,068			5.1	%		634			2,191			3,310			-33.8	%
Total banking and financial service revenues		7,725			7,236			6.8	%		8,063			23,359			20,056			16.5	%
Net gain on sale of securities		2,455			345			611.6	%		(8	)		2,496			2,167			15.2	%
Net gain (loss) on derivatives		(1,571	)		(50	)		3042.0	%		(23	)		(713	)		(2,540	)		-71.9	%
Other		1,276			294			334.0	%		(511	)		1,216			680			78.8	%
Total non-interest income		9,885			7,825			26.3	%		7,521			26,358			20,363			29.4	%
Non-Interest Expenses:
Compensation and employee benefits(1)		6,241			6,260			-0.3	%		5,627			18,042			13,955			29.3	%
Occupancy and equipment		2,867			2,976			-3.7	%		2,793			8,549			8,508			0.5	%
Advertising and business promotion		1,148			1,350			-15.0	%		1,300			3,514			4,257			-17.5	%
Professional and service fees		1,804			1,693			6.6	%		1,601			5,029			5,307			-5.2	%
Communication		419			413			1.5	%		395			1,261			1,199			5.2	%
Loan servicing expenses		525			446			17.7	%		509			1,490			1,277			16.7	%
Taxes, other than payroll and income taxes		440			597			-26.3	%		573			1,613			1,531			5.4	%
Electronic banking charges		489			388			26.0	%		494			1,451			1,448			0.2	%
Printing, postage, stationery and supplies		259			259			0.0	%		359			803			676			18.8	%
Insurance		220			185			18.9	%		219			652			560			16.4	%
Other		733			823			-10.9	%		914			2,409			2,714			-11.2	%
Total non-interest expenses		15,145			15,390			-1.6	%		14,784			44,813			41,432			8.2	%
Income before income taxes		2,823			8,812			-68.0	%		2,498			13,502			33,496			-59.7	%
Income tax expense (benefit)		446			391			14.1	%		(21	)		557			(1,903	)		-129.3	%
Net income		2,377			8,421			-71.8	%		2,519			12,945			35,399			-63.4	%
Less: Dividends on preferred stock		(1,200	)		(1,200	)		0.0	%		(1,201	)		(3,601	)		(3,601	)		0.0	%
Income available to common shareholders	$	1,177		$	7,221			-83.7	%	$	1,318		$	9,344		$	31,798			-70.6	%

	QUARTER ENDED												NINE-MONTH PERIOD ENDED
	30-Sep-06			30-Sep-05			%			30-Jun-06			30-Sep-06			30-Sep-05			%
EARNINGS PER SHARE
Earning per common share (basic)	$	0.05		$	0.29			-82.8	%	$	0.05		$	0.38		$	1.28			-70.3	%
Earning per common share (diluted)	$	0.05		$	0.29			-82.8	%	$	0.05		$	0.38		$	1.25			-69.6	%
Dividends declared per common share	$	0.14		$	0.14			0.0	%	$	0.14		$	0.42		$	0.42			0.0	%
Average shares outstanding		24,564			24,926			-1.5	%		24,599			24,600			24,791			-0.8	%
Average potential common shares-options		97			351			-72.4	%		106			124			714			-82.6	%
Total average shares outstanding and equivalents		24,661			25,277			-2.4	%		24,705			24,724			25,505			-3.1	%
Common shares outstanding at end of period											24,578			24,524			24,776			-1.0	%
Book value per common share										$	11.08		$	11.57		$	11.24			2.9	%
SELECTED FINANCIAL DATA AT PERIOD-END
PERFORMANCE RATIOS:
Return on assets		0.20	%		0.77	%		-74.0	%		0.22	%		1.11	%		3.32	%		-66.6	%
Return on common equity		1.69	%		12.68	%		-86.7	%		1.94	%		5.84	%		49.73	%		-88.3	%
Efficiency ratio		90.81	%		62.65	%		44.9	%		78.76	%		76.95	%		51.54	%		49.3	%
Leverage capital ratio											9.39	%		8.96	%		10.33	%		-13.3	%
Tier 1 risk-based capital											29.60	%		28.18	%		38.80	%		-27.4	%
Total risk-based capital											30.11	%		28.68	%		39.39	%		-27.2	%
TAX EQUIVALENT SPREAD
Interest-earning assets		5.24	%		4.82	%		8.7	%		5.08	%		5.12	%		4.75	%		7.8	%
Tax equivalent adjustment		1.15	%		1.02	%		12.7	%		1.17	%		1.18	%		1.03	%		14.6	%
Interest-earning assets — tax equivalent		6.39	%		5.84	%		9.4	%		6.25	%		6.30	%		5.78	%		9.0	%
Interest-bearing liabilities		4.73	%		3.40	%		39.1	%		4.38	%		4.36	%		3.12	%		39.7	%
Tax equivalent interest rate spread		1.66	%		2.44	%		-32.0	%		1.87	%		1.94	%		2.66	%		-27.1	%
Tax equivalent interest rate margin		1.92	%		2.66	%		-27.8	%		2.13	%		2.21	%		2.87	%		-23.0	%
NORMAL SPREAD
Investments		4.53	%		4.32	%		4.9	%		4.40	%		4.48	%		4.24	%		5.7	%
Loans		7.49	%		6.63	%		13.0	%		7.51	%		7.36	%		6.63	%		11.0	%
Interest-earning assets		5.24	%		4.82	%		8.7	%		5.08	%		5.12	%		4.75	%		7.8	%
Deposits		3.92	%		3.04	%		28.9	%		3.65	%		3.65	%		2.89	%		26.3	%
Borrowings		5.04	%		3.57	%		41.2	%		4.68	%		4.65	%		3.23	%		44.0	%
Interest-bearing liabilities		4.73	%		3.40	%		39.1	%		4.38	%		4.36	%		3.12	%		39.7	%
Interest rate spread		0.51	%		1.42	%		-64.1	%		0.70	%		0.76	%		1.63	%		-53.4	%
Interest rate margin		0.77	%		1.64	%		-53.0	%		0.96	%		1.03	%		1.84	%		-44.0	%

(1) Compensation and employee benefits was decreased by $6,288 for the nine-month period ended September 30, 2005, reflecting the non-cash compensation benefit related to certain stock option awards with anti-dilutive provisions.

	As of			As of										As of
SELECTED FINANCIAL DATA AT PERIOD-END	30-Jun-06			30-Sep-06			30-Sep-05			%				31-Dec-05
Cash and due from banks	$	35,237		$	14,734		$	15,930			-7.5	%		$	13,789
Interest-earning assets:
Investments:
Short term investments		35,722			24,318			70,387			-65.5	%			63,480
Trading securities		368			347			188			84.6	%			146
Investment securities available-for-sale, at fair value		1,200,244			1,035,332			1,017,355			1.8	%			1,046,884
Investment securities held-to-maturity, at amortized cost		2,243,219			2,182,612			2,261,155			-3.5	%			2,346,255
Federal Home Loan Bank (FHLB) stock, at cost		18,269			12,847			27,058			-52.5	%			20,002
Total investments		3,497,822			3,255,456			3,376,143			-3.6	%			3,476,767
Loans:
Mortgage loans		887,620			906,801			621,622			45.9	%			640,197
Commercial loans, mainly secured by real estate		228,008			234,429			236,904			-1.0	%			228,163
Consumer loans		39,074			39,178			31,246			25.4	%			35,483
Loans receivable, gross		1,154,702			1,180,408			889,772			32.7	%			903,843
Less: Deferred loan fees, net		(2,827	)		(2,894	)		(2,846	)		1.7	%			(2,851	)
Loans receivable		1,151,875			1,177,514			886,926			32.8	%			900,992
Allowance for loan losses		(7,501	)		(7,645	)		(6,837	)		11.8	%			(6,630	)
Loans receivable, net		1,144,374			1,169,869			880,089			32.9	%			894,362
Mortgage loans held for sale		9,564			8,582			19,572			-56.2	%			8,946
Total loans, net		1,153,938			1,178,451			899,661			31.0	%			903,308
Total interest-earning assets		4,651,760			4,433,907			4,275,804			3.7	%			4,380,075
Securities sold but not yet delivered		710			87,487			707			12274.4	%			44,009
Accrued interest receivable		31,313			28,661			26,178			9.5	%			29,067
Premises and equipment, net		17,358			19,797			15,471			28.0	%			14,828
Deferred tax asset, net		14,861			12,698			6,980			81.9	%			12,222
Foreclosed real estate		4,379			3,825			4,521			-15.4	%			4,802
Other assets		77,044			61,221			47,392			29.2	%	��		48,157
Total assets	$	4,832,662		$	4,662,330		$	4,392,983			6.1	%		$	4,546,949
Interest-bearing liabilities:
Deposits:
Demand deposits	$	141,260		$	136,717		$	145,950			-6.3	%		$	146,623
Savings accounts		171,034			213,042			86,258			147.0	%			82,641
Certificates of deposit		901,553			943,683			1,072,564			-12.0	%			1,069,304
Total deposits		1,213,847			1,293,442			1,304,772			-0.9	%			1,298,568
Borrowings:
Federal funds purchased and other short term borrowings		17,098			45,070			11,641			287.2	%			4,455
Securities sold under agreements to repurchase		2,856,361			2,692,173			2,208,847			21.9	%			2,427,880
Advances from FHLB		285,500			165,000			300,000			-45.0	%			313,300
Subordinated capital notes		72,166			72,166			72,166			0.0	%			72,166
Term notes		15,000			15,000			15,000			0.0	%			15,000
Total borrowings		3,246,125			2,989,409			2,607,654			14.6	%			2,832,801
Total interest-bearing liabilities		4,459,972			4,282,851			3,912,426			9.5	%			4,131,369
Securities and loans purchased but not yet received		6,539			702			100,000			-99.3	%			43,354
Accrued expenses and other liabilities		25,868			27,064			34,125			-20.7	%			30,435
Total liabilities		4,492,379			4,310,617			4,046,551			6.5	%			4,205,158

	As of			As of									As of
	30-Jun-06			30-Sep-06			30-Sep-05			%			31-Dec-05
Preferred Equity		68,000			68,000			68,000			0.0	%		68,000
Common Equity:
Common stock		25,370			25,379			25,321			0.2	%		25,350
Additional paid-in capital		208,620			208,670			212,695			-1.9	%		208,454
Legal surplus		37,114			37,533			34,916			7.5	%		35,863
Retained earnings		52,368			49,692			49,433			0.5	%		52,340
Treasury stock, at cost		(10,779	)		(11,521	)		(8,031	)		43.5	%		(10,332	)
Accumulated other comprehensive loss		(40,410	)		(26,040	)		(35,902	)		-27.5	%		(37,884	)
Total common equity		272,283			283,713			278,432			1.9	%		273,791
Stockholders’ equity		340,283			351,713			346,432			1.5	%		341,791
Total liabilities and stockholders’ equity	$	4,832,662		$	4,662,330		$	4,392,983			6.1	%	$	4,546,949
Number of financial centers		24			24			24						24
Trust Assets Managed	$	1,933,912		$	1,942,694		$	1,850,957			5.0	%	$	1,875,300
Broker-Dealer Assets Gathered		1,172,726			1,160,725			1,143,873			1.5	%		1,132,286
Total Assets Managed		3,106,638			3,103,419			2,994,830			3.6	%		3,007,586
Assets owned		4,832,662			4,662,330			4,392,983			6.1	%		4,546,949
Total financial assets managed and owned	$	7,939,300		$	7,765,749		$	7,387,813			5.1	%	$	7,554,535

	QUARTER ENDED												NINE-MONTH PERIOD ENDED
SELECTED FINANCIAL DATA AT PERIOD-END	30-Sep-06			30-Sep-05			%			30-Jun-06			30-Sep-06			30-Sep-05			%
CREDIT DATA
Net credit losses:
Mortgage	$	(24	)	$	70			-134.3	%	$	178		$	353		$	1,733			-79.6	%
Commercial		(16	)		94			-117.0	%		119			121			577			-79.0	%
Consumer		766			443			72.9	%		308			1,429			879			62.6	%
Total net credit losses	$	726		$	607			19.6	%	$	605		$	1,903		$	3,189			-40.3	%
Net credit losses to average loans outstanding		0.26	%		0.27	%		-3.7	%		0.25	%		0.25	%		0.48	%		-47.9	%
Allowance for loan losses										$	7,501		$	7,645		$	6,837			11.8	%
Allowance coverage ratios:
Allowance for loan losses to total loans											0.64	%		0.64	%		0.75	%		-14.7	%
Allowance for loan losses to non-performing loans											25.55	%		22.33	%		24.03	%		-7.1	%
Allowance for loan losses to non-residential non-performing loans											213.52	%		245.81	%		134.86	%		82.3	%
Non-performing assets summary:
Mortgage										$	25,847		$	31,120		$	23,385			33.1	%
Commercial, mainly real estate											2,930			2,608			4,802			-45.7	%
Consumer											582			502			268			87.3	%
Non-performing loans											29,359			34,230			28,455			20.3	%
Foreclosed properties											4,379			3,852			4,521			-14.8	%
Non-performing assets										$	33,738		$	38,082		$	32,976			15.5	%
Non-performing loans to total loans											2.53	%		2.89	%		3.14	%		-8.1	%
Non-performing loans to total assets											0.61	%		0.73	%		0.65	%		13.3	%
Non-performing assets to total assets											0.70	%		0.82	%		0.75	%		8.8	%
Loan Production and Purchases Summary:
Mortgage loans production	$	68,229		$	73,304			-6.9	%	$	70,844		$	202,270		$	213,801			-5.4	%
Mortgage loans purchased		5,636			342			1548.0	%		177,787			191,078			38,158			400.8	%
Total mortgage		73,865			73,646			0.3	%		248,631			393,348			251,959			56.1	%
Commercial		14,543			23,040			-36.9	%		12,448			42,536			113,692			-62.6	%
Consumer		3,316			6,078			-45.4	%		4,780			14,332			17,190			-16.6	%
Total loan production and purchases	$	91,724		$	102,764			-10.7	%	$	265,859		$	450,216		$	382,841			17.6	%