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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)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves279,141269,0773.74275,3965.44
Loans Held for Sale, before Reserves1910NM864(311.57)
Loan Loss Reserve4,2765,128(16.61)4,1918.11
Net Loans Receivable275,056263,9494.21272,0694.39
Intangible Assets000.0000.00
Total Assets362,763356,3181.81357,6865.68
Deposits317,970317,6910.09313,4925.71
Debt, Senior and Subordinated13,1238,24859.1113,248(3.77)
Common Equity21,95518,70917.3521,6036.52
Total Shareholders' Equity27,14626,4002.8326,7945.25
Shares Outstanding (actual)2,181,7051,913,99613.992,164,8403.12
Income Statement ($000)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income3,3613,3400.633,389(3.30)
Provision for Loan Losses25460(94.57)222(354.95)
Noninterest Income643731(12.04)658(9.12)
Noninterest Expense3,6393,11116.973,14862.39
Net Income Before Taxes1,01852793.17773126.78
Provision for Taxes304119155.46229131.00
Net Income71440875.00544125.00
Per Share Items ($)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share10.069.772.959.983.38
Tangible Book Value10.069.772.959.983.38
Diluted EPS Before Extra0.270.1668.750.17235.29
Diluted EPS After Extra0.270.1668.750.17235.29
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.800.47330.6119
ROAE10.596.294307.84275
Net Interest Margin3.974.06(9)3.98(1)
Loans / Deposits87.7984.7030987.85(6)
Efficiency Ratio77.7075.9018076.00170
Balance Sheet Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.487.4177.49(1)
Equity/ Assets7.487.4177.49(1)
Asset Quality Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.472.04(57)1.3116
Loan Loss Reserves/ Gross Loans1.531.91(37)1.521
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans(0.09)0.57(66)0.63(71)
Regulatory Capital Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 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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