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

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


Balance Sheet ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves265,753259,8472.27265,771(0.03)
Loans Held for Sale, before Reserves6631,787(62.90)0NM
Loan Loss Reserve5,0495,500(8.20)5,516(33.87)
Net Loans Receivable261,367256,1342.04260,2551.71
Intangible AssetsNA0NA0NA
Total Assets348,311342,8511.59350,967(3.03)
Deposits313,736306,1772.47314,586(1.08)
Debt, Senior and SubordinatedNA8,248NA8,248NA
Common Equity17,76918,624(4.59)17,6682.29
Total Shareholders' Equity25,46025,990(2.04)25,2782.88
Shares Outstanding (actual)1,913,9961,808,4455.841,810,94622.76
Income Statement ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest IncomeNA3,274NA3,599NA
Provision for Loan LossesNA2,489NA567NA
Noninterest IncomeNA832NA713NA
Noninterest ExpenseNA3,849NA3,013NA
Net Income Before TaxesNA(2,232)NA707NA
Provision for TaxesNA(890)NA284NA
Net IncomeNA(1,342)NA423NA
Per Share Items ($)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share9.2810.30(9.85)9.76(19.37)
Tangible Book ValueNA10.30NA9.76NA
Diluted EPS Before ExtraNA(0.83)NA0.14NA
Diluted EPS After ExtraNA(0.83)NA0.14NA
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAANA(1.57)NA0.49NA
ROAENA(20.05)NA6.72NA
Net Interest MarginNA4.10NA4.38NA
Loans / Deposits84.7184.87(16)84.4822
Efficiency RatioNA83.02NA69.16NA
Balance Sheet Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.58NA7.20NA
Equity/ Assets7.317.58(27)7.2011
Asset Quality Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA4.01NANANA
Loan Loss Reserves/ Gross Loans1.902.10(21)2.08(18)
Loan Loss Reserves/ NPAsNA39.96NANANA
Net Charge-offs/ Avg LoansNA2.24NA0.77NA
Regulatory Capital Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.00NANANA
   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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