Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (25%), home mtgs (22%), comm re (12%), comm loans (8%), cash (5%), consumer loans (2%), home eq lns (1%), other (24%)
States with Branches:
IA, IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Orion Bancorporation, Inc.
Investment Rating
--
Address
1114 Fourth Street
Orion, IL 61273
Orion, IL 61273
Phone Number
(309) 526-8011
Year Founded
1890
FDIC Number
Website
Largest Affiliates
Mount Vernon, IA
-
Bank