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Orion Bank, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 7,663 |
| Cost of funding earning assets | 2.7811% | 628 |
| Net interest margin | 1.5347% | 7,943 |
| Noninterest income to average assets | 0.1059% | 7,380 |
| Noninterest expense to average assets | 2.2596% | 6,813 |
| Loan and lease loss provision to assets | 6.0133% | 107 |
| Net operating income to assets | -4.1787% | 7,766 |
| Return on assets (ROA) | -4.0950% | 7,762 |
| Pretax return on assets | -6.6567% | 7,948 |
| Return on Equity (ROE) | -91.1952% | 7,994 |
| Retained earnings to average equity (ytd only) | -91.1952% | 7,993 |
| Net charge-offs to loans | 5.8127% | 158 |
| Credit loss provision to net charge-offs | 144.9257% | 3,355 |
| Earnings coverage of net charge-offs (x) | -0.1866% | 6,276 |
| Efficiency ratio | 152.1115% | 304 |
| Assets per employee ($millions) | 10.0096% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9100% | 146 |
| Loan loss allowance to noncurrent loans | 28.4636% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 13.9162% | 151 |
| Noncurrent loans to loans | 17.2501% | 98 |
| Net loans and leases to total assets | 68.6502% | 3,809 |
| Net loans and leases to deposits | 82.6708% | 3,896 |
| Net loans and leases to core deposits | 103.5188% | 3,992 |
| Total domestic deposits to total assets | 83.0405% | 4,200 |
| Equity capital to assets | 2.4605% | 8,044 |
| Core capital (leverage) ratio | 0.4727% | 8,080 |
| Tier 1 risk-based capital ratio | 0.6510% | 8,079 |
| Total risk-based capital ratio | 1.3020% | 8,079 |
| Memoranda: | ||
| Average total assets | $2,733,163,500 | 283 |
| Average earning assets | $2,456,902,500 | 282 |
| Average equity | $122,728,500 | 550 |
| Average total loans | $1,950,988,250 | 284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 7,690 |
| Cost of funding earning assets | 2.9401% | 559 |
| Net interest margin | 1.4912% | 8,019 |
| Noninterest income to average assets | 0.0773% | 7,598 |
| Noninterest expense to average assets | 1.9572% | 7,540 |
| Loan and lease loss provision to assets | 0.7068% | 2,311 |
| Net operating income to assets | -0.7556% | 6,796 |
| Return on assets (ROA) | -0.6319% | 6,691 |
| Pretax return on assets | -1.0465% | 6,849 |
| Return on Equity (ROE) | -12.3226% | 7,190 |
| Retained earnings to average equity (ytd only) | -12.3226% | 7,074 |
| Net charge-offs to loans | 2.2737% | 786 |
| Credit loss provision to net charge-offs | 43.7037% | 5,847 |
| Earnings coverage of net charge-offs (x) | -0.3296% | 5,977 |
| Efficiency ratio | 137.4247% | 455 |
| Assets per employee ($millions) | 10.2717% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1318% | 1,345 |
| Loan loss allowance to noncurrent loans | 19.3156% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 9.4567% | 337 |
| Noncurrent loans to loans | 11.0366% | 276 |
| Net loans and leases to total assets | 71.8048% | 3,277 |
| Net loans and leases to deposits | 89.6024% | 2,885 |
| Net loans and leases to core deposits | 112.1763% | 3,115 |
| Total domestic deposits to total assets | 80.1371% | 5,424 |
| Equity capital to assets | 5.6659% | 7,976 |
| Core capital (leverage) ratio | 6.0323% | 7,919 |
| Tier 1 risk-based capital ratio | 8.0106% | 7,913 |
| Total risk-based capital ratio | 9.8571% | 7,864 |
| Memoranda: | ||
| Average total assets | $2,773,379,670 | 285 |
| Average earning assets | $2,504,966,330 | 283 |
| Average equity | $142,210,670 | 494 |
| Average total loans | $1,972,615,670 | 285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 7,689 |
| Cost of funding earning assets | 3.0229% | 578 |
| Net interest margin | 1.5053% | 8,057 |
| Noninterest income to average assets | 0.2008% | 6,853 |
| Noninterest expense to average assets | 1.7204% | 7,799 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1056% | 6,418 |
| Return on assets (ROA) | 0.3066% | 5,448 |
| Pretax return on assets | 0.4745% | 5,155 |
| Return on Equity (ROE) | 6.2910% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.2910% | 2,504 |
| Net charge-offs to loans | 0.1611% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.4141% | 5,418 |
| Efficiency ratio | 110.2250% | 803 |
| Assets per employee ($millions) | 10.7188% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7340% | 607 |
| Loan loss allowance to noncurrent loans | 25.0856% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 8.9589% | 283 |
| Noncurrent loans to loans | 10.8986% | 233 |
| Net loans and leases to total assets | 67.9007% | 4,163 |
| Net loans and leases to deposits | 86.6235% | 3,533 |
| Net loans and leases to core deposits | 109.1780% | 3,542 |
| Total domestic deposits to total assets | 78.3860% | 5,893 |
| Equity capital to assets | 4.9461% | 8,119 |
| Core capital (leverage) ratio | 5.3046% | 8,098 |
| Tier 1 risk-based capital ratio | 7.5804% | 8,048 |
| Total risk-based capital ratio | 9.5984% | 8,005 |
| Memoranda: | ||
| Average total assets | $2,824,743,000 | 281 |
| Average earning assets | $2,551,989,500 | 281 |
| Average equity | $137,658,000 | 504 |
| Average total loans | $1,979,209,500 | 286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9382% | 5,861 |
| Cost of funding earning assets | 3.4421% | 621 |
| Net interest margin | 2.4960% | 7,759 |
| Noninterest income to average assets | 0.2077% | 6,954 |
| Noninterest expense to average assets | 1.7465% | 7,819 |
| Loan and lease loss provision to assets | 1.9538% | 626 |
| Net operating income to assets | -0.7325% | 7,086 |
| Return on assets (ROA) | -0.7316% | 6,992 |
| Pretax return on assets | -1.2219% | 7,127 |
| Return on Equity (ROE) | -13.0856% | 7,500 |
| Retained earnings to average equity (ytd only) | -13.0856% | 7,340 |
| Net charge-offs to loans | 3.3269% | 245 |
| Credit loss provision to net charge-offs | 80.0686% | 5,898 |
| Earnings coverage of net charge-offs (x) | 0.2994% | 6,056 |
| Efficiency ratio | 70.5094% | 4,245 |
| Assets per employee ($millions) | 11.0551% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7226% | 555 |
| Loan loss allowance to noncurrent loans | 33.0418% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 6.6939% | 408 |
| Noncurrent loans to loans | 8.2398% | 319 |
| Net loans and leases to total assets | 68.4070% | 4,388 |
| Net loans and leases to deposits | 86.8251% | 3,989 |
| Net loans and leases to core deposits | 107.1137% | 4,065 |
| Total domestic deposits to total assets | 78.7870% | 5,454 |
| Equity capital to assets | 4.8013% | 8,208 |
| Core capital (leverage) ratio | 5.0801% | 8,201 |
| Tier 1 risk-based capital ratio | 7.0528% | 8,167 |
| Total risk-based capital ratio | 9.0528% | 8,136 |
| Memoranda: | ||
| Average total assets | $2,797,074,800 | 271 |
| Average earning assets | $2,542,957,400 | 269 |
| Average equity | $156,385,200 | 453 |
| Average total loans | $2,051,582,400 | 266 |