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

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Balance Sheet ($000)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Loans Held for Investment, before Reserves259,315256,9000.94259,847(0.82)
Loans Held for Sale, before Reserves2281,153(80.23)1,787(348.96)
Loan Loss Reserve5,3674,41921.455,500(9.67)
Net Loans Receivable254,176253,6340.21256,134(3.06)
Intangible Assets000.0000.00
Total Assets348,625359,935(3.14)342,8516.74
Deposits312,058321,415(2.91)306,1777.68
Debt, Senior and Subordinated8,2488,2480.008,2480.00
Common Equity18,36320,860(11.97)18,624(5.61)
Total Shareholders' Equity25,81128,008(7.84)25,990(2.75)
Shares Outstanding (actual)1,810,9461,808,7450.121,808,4450.55
Income Statement ($000)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Net Interest Income3,1853,436(7.31)3,274(10.87)
Provision for Loan Losses366564(35.11)2,489(341.18)
Noninterest Income815925(11.89)832(8.17)
Noninterest Expense3,4053,611(5.70)3,849(46.14)
Net Income Before Taxes28318652.15(2,232)NM
Provision for Taxes6833106.06(890)NM
Net Income21515340.52(1,342)NM
Per Share Items ($)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Book Value per Share10.1411.53(12.08)10.30(6.15)
Tangible Book Value10.1411.53(12.08)10.30(6.15)
Diluted EPS Before Extra0.02(0.01)NM(0.83)NM
Diluted EPS After Extra0.02(0.01)NM(0.83)NM
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
ROAA0.250.178(1.57)181
ROAE3.322.19113(20.05)2,337
Net Interest Margin4.014.22(21)4.10(9)
Loans / Deposits83.1079.9331784.87(177)
Efficiency Ratio82.6078.3542583.02(42)
Balance Sheet Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.407.78(38)7.58(18)
Equity/ Assets7.407.78(38)7.58(18)
Asset Quality Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets3.684.27(59)4.01(34)
Loan Loss Reserves/ Gross Loans2.071.71362.10(3)
Loan Loss Reserves/ NPAs41.8728.751,31339.96192
Net Charge-offs/ Avg Loans0.770.93(16)2.24(147)
Regulatory Capital Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNANANA12.00NA
  † 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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