Financial Highlights

Entire IR Site Press Releases Only Filings Only
Email pagePDF viewPrint viewEmail Alert
OAK RIDGE FINANCIAL SERVICES, INC. (OTC Pink - BKOR)  
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves325,630289,96212.30314,79413.77
Loans Held for Sale, before Reserves74499(85.17)0NM
Loan Loss Reserve3,6543,828(4.55)3,738(8.99)
Net Loans Receivable322,050286,63312.36311,05614.14
Intangible Assets000.0000.00
Total Assets411,633370,73211.03397,99613.71
Deposits341,339321,5136.17328,32015.86
Debt, Senior and Subordinated36,53817,516108.6036,654(1.27)
Common Equity29,12627,1607.2427,81918.79
Total Shareholders' Equity29,12627,1607.2427,81918.79
Shares Outstanding (actual)2,371,6802,387,954(0.68)2,363,5141.38
Income Statement ($000)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income3,5833,3536.863,35726.93
Provision for Loan Losses(85)(125)(32.00)65NM
Noninterest Income702726(3.31)58580.00
Noninterest Expense3,2663,1513.653,02631.73
Net Income Before Taxes1,0921,0533.70846116.31
Provision for Taxes3273105.48214211.21
Net Income7657432.9663284.18
Per Share Items ($)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share12.2811.377.9711.7717.35
Tangible Book Value12.2811.377.9711.7717.35
Diluted EPS Before Extra0.320.2433.330.2692.31
Diluted EPS After Extra0.320.2433.330.2692.31
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA0.760.81(5)0.6511
ROAE10.7510.25509.20155
Net Interest Margin3.913.81103.7318
Loans / Deposits95.4090.1952195.88(48)
Efficiency Ratio76.4077.30(90)76.1030
Balance Sheet Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.087.33(25)6.999
Equity/ Assets7.087.33(25)6.999
Asset Quality Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.700.82(12)0.85(15)
Loan Loss Reserves/ Gross Loans1.121.32(20)1.19(7)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans(0.00)0.02(3)0.01(1)
Regulatory Capital Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-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.


Copyright 2017, © SNL Financial LC  Terms of Use