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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)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves345,525314,7949.76340,6435.73
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve3,5293,738(5.59)3,538(1.02)
Net Loans Receivable341,996311,0569.95337,1055.80
Intangible Assets000.0000.00
Total Assets428,320397,9967.62430,712(2.22)
Deposits364,709328,32011.08361,7213.30
Debt, Senior and Subordinated27,18336,654(25.84)33,301(73.49)
Common Equity31,31727,81912.5731,0852.99
Total Shareholders' Equity31,31727,81912.5731,0852.99
Shares Outstanding (actual)2,397,6802,363,5141.452,360,6806.27
Income Statement ($000)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income3,8113,35713.523,812(0.10)
Provision for Loan Losses065NM00.00
Noninterest Income95658563.4281867.48
Noninterest Expense3,5783,02618.243,41918.60
Net Income Before Taxes1,18584640.071,251(21.10)
Provision for Taxes2282146.54563(238.01)
Net Income95763251.42688156.40
Per Share Items ($)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share13.0611.7710.9713.17(3.23)
Tangible Book Value13.0611.7710.9713.17(3.23)
Diluted EPS Before Extra0.400.2653.850.29151.72
Diluted EPS After Extra0.400.2653.850.29151.72
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA0.900.65250.6525
ROAE12.449.213238.88356
Net Interest Margin3.833.73103.758
Loans / Deposits94.7495.88(114)94.1757
Efficiency Ratio75.1076.10(100)73.20190
Balance Sheet Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.316.99327.229
Equity/ Assets7.316.99327.229
Asset Quality Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.650.85(20)0.650
Loan Loss Reserves/ Gross Loans1.021.19(17)1.04(2)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.010.0100.09(8)
Regulatory Capital Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-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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