BankOrion

BankOrion is headquartered in Orion and is the 97^th largest bank in the state of Illinois. It is also the 1,632^nd largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 79 employees at 8 locations. BankOrion's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics BankOrion FDIC Certificate # 11739 BankRate Report View Year Established 1890 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $404.82 million Loans $188.07 million Deposits $342.90 million Equity Capital $36.71 million Loan Loss Allowance $2.03 million Unbacked Noncurrent Loans $3.59 million Real Estate Owned $598,000 Historic Data - December 2010 Assets $317.54 million Equity Capital $30.36 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $622,000 Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 1.03% Return on Equity 10.61% Interest Income $14.52 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 BankOrion had $4.18 million in non-current loans and owned real-estate with $38.74 million in equity and loan loss allowances on hand to cover it. This gives BankOrion a Texas Ratio of 10.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BankOrion held steady from 9.43% as of December 31, 2010 to 10.80% as of December 31, 2011, resulting in a negative change of 14.62%. This indicates that the balance sheet and financial strength for BankOrion has held steady in recent periods. Deposit Growth In the past year, BankOrion has increased its total deposits by $80.37 million, resulting in 30.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BankOrion has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BankOrion has $404.82 million in assets with $38.74 million in equity, resulting in a capitalization level of 9.57%, which is average.

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