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OAK RIDGE FINANCIAL SERVICES, INC. (OTCQB - BKOR)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves275,396265,7533.63275,676(0.41)
Loans Held for Sale, before Reserves86466330.32282825.53
Loan Loss Reserve4,1915,049(16.99)4,402(19.17)
Net Loans Receivable272,069261,3674.09271,5560.76
Intangible Assets000.0000.00
Total Assets357,686348,5422.62358,365(0.76)
Deposits313,492311,9700.49314,994(1.91)
Debt, Senior and Subordinated13,2488,24860.6210,74893.04
Common Equity21,60317,76921.5821,03410.82
Total Shareholders' Equity26,79425,4605.2428,725(26.89)
Shares Outstanding (actual)2,164,8401,913,99613.112,075,30417.26
Income Statement ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income3,3893,3740.443,429(4.67)
Provision for Loan Losses222359(38.16)350(146.29)
Noninterest Income658728(9.62)6561.22
Noninterest Expense3,1483,190(1.32)3,03215.30
Net Income Before Taxes77362224.287559.54
Provision for Taxes22916043.1221624.07
Net Income54446217.755393.71
Per Share Items ($)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share9.989.287.4910.14(6.17)
Tangible Book Value9.989.287.4910.14(6.17)
Diluted EPS Before Extra0.170.1513.330.18(22.22)
Diluted EPS After Extra0.170.1513.330.18(22.22)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.610.5290.601
ROAE7.847.28557.6123
Net Interest Margin3.984.04(6)4.02(4)
Loans / Deposits87.8585.1926687.5233
Efficiency Ratio76.0076.50(50)73.30270
Balance Sheet Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.497.30198.02(52)
Equity/ Assets7.497.30198.02(52)
Asset Quality Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.312.31(100)1.45(14)
Loan Loss Reserves/ Gross Loans1.521.90(38)1.60(8)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.631.24(61)1.19(56)
Regulatory Capital Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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