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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves275,676265,7713.73271,5586.07
Loans Held for Sale, before Reserves2820NM117564.10
Loan Loss Reserve4,4025,516(20.20)4,868(38.29)
Net Loans Receivable271,556260,2554.34266,8077.12
Intangible Assets000.0000.00
Total Assets358,365350,9672.11356,2732.35
Deposits314,994314,5860.13316,016(1.29)
Debt, Senior and Subordinated10,7488,24830.318,248121.24
Common Equity21,03417,66819.0520,24015.69
Total Shareholders' Equity28,72525,27813.6427,93111.37
Shares Outstanding (actual)2,075,3041,810,94614.602,027,4899.43
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income3,4293,626(5.43)3,4033.06
Provision for Loan Losses350567(38.27)3500.00
Noninterest Income656716(8.38)725(38.07)
Noninterest Expense3,0323,0110.703,063(4.05)
Net Income Before Taxes7557392.17766(5.74)
Provision for Taxes216294(26.53)19152.36
Net Income53944521.12575(25.04)
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share10.149.763.899.986.11
Tangible Book Value10.149.763.899.986.11
Diluted EPS Before Extra0.180.1520.000.21(57.14)
Diluted EPS After Extra0.180.1520.000.21(57.14)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.600.5460.65(5)
ROAE7.617.07548.47(86)
Net Interest Margin4.024.41(39)4.06(4)
Loans / Deposits87.5284.4830485.93159
Efficiency Ratio73.3070.3030073.300
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.027.20817.8418
Equity/ Assets8.027.20817.8418
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.452.31(86)1.60(15)
Loan Loss Reserves/ Gross Loans1.602.08(48)1.79(20)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans1.190.77420.9029
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-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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