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

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Balance Sheet ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves271,558262,8783.30269,0773.69
Loans Held for Sale, before Reserves117882(86.73)0NM
Loan Loss Reserve4,8685,460(10.84)5,128(20.28)
Net Loans Receivable266,807258,3003.29263,9494.33
Intangible Assets000.0000.00
Total Assets356,273344,8543.31356,318(0.05)
Deposits316,016308,7482.35317,691(2.11)
Debt, Senior and Subordinated8,2488,2480.008,2480.00
Common Equity20,24017,52315.5118,70932.73
Total Shareholders' Equity27,93125,05211.4926,40023.20
Shares Outstanding (actual)2,027,4891,810,94611.961,913,99623.72
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income3,4033,2564.513,3407.54
Provision for Loan Losses3503461.16460(95.65)
Noninterest Income725774(6.33)731(3.28)
Noninterest Expense3,0633,400(9.91)3,111(6.17)
Net Income Before Taxes766284169.72527181.40
Provision for Taxes19165193.85119242.02
Net Income575219162.56408163.73
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share9.989.683.179.778.51
Tangible Book Value9.989.683.179.778.51
Diluted EPS Before Extra0.210.02950.000.16125.00
Diluted EPS After Extra0.210.02950.000.16125.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.650.25400.4718
ROAE8.473.445026.29217
Net Interest Margin4.063.9884.060
Loans / Deposits85.9385.147984.70123
Efficiency Ratio72.9781.69(872)77.30(434)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.847.26587.4143
Equity/ Assets7.847.26587.4143
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA2.95NANANA
Loan Loss Reserves/ Gross Loans1.792.07(28)1.91(11)
Loan Loss Reserves/ NPAsNA53.69NANANA
Net Charge-offs/ Avg Loans0.900.39520.5733
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 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.



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