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

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Balance Sheet ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves299,737277,3418.08289,96213.48
Loans Held for Sale, before Reserves92119(22.69)499(326.25)
Loan Loss Reserve3,7143,827(2.95)3,828(11.91)
Net Loans Receivable296,115273,6338.22286,63313.23
Intangible Assets000.0000.00
Total Assets380,957351,5798.36370,73211.03
Deposits325,100305,6766.35321,5134.46
Debt, Senior and Subordinated23,89213,13181.9517,516145.60
Common Equity27,59623,61816.8427,1606.42
Total Shareholders' Equity27,59628,809(4.21)27,1606.42
Shares Outstanding (actual)2,386,5142,206,5168.162,387,954(0.24)
Income Statement ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income3,3313,3120.573,353(2.62)
Provision for Loan Losses(100)(250)(60.00)(125)(80.00)
Noninterest Income7146657.37726(6.61)
Noninterest Expense3,3423,01011.033,15124.25
Net Income Before Taxes1,0671,213(12.04)1,0535.32
Provision for Taxes355387(8.27)31058.06
Net Income712826(13.80)743(16.69)
Per Share Items ($)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share11.5610.708.0311.376.67
Tangible Book Value11.5610.708.0311.376.67
Diluted EPS Before Extra0.300.32(6.25)0.2661.54
Diluted EPS After Extra0.300.32(6.25)0.2661.54
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA0.760.92(16)0.81(5)
ROAE10.4011.74(134)10.2515
Net Interest Margin3.773.92(15)3.81(4)
Loans / Deposits92.2090.7314790.19201
Efficiency Ratio77.6075.8018077.3030
Balance Sheet Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.248.19(95)7.33(8)
Equity/ Assets7.248.19(95)7.33(8)
Asset Quality Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.900.8820.828
Loan Loss Reserves/ Gross Loans1.241.38(14)1.32(8)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.02(0.34)360.02(1)
Regulatory Capital Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 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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