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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)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves306,476279,8709.51299,7378.99
Loans Held for Sale, before Reserves0582NM92NM
Loan Loss Reserve3,6783,898(5.64)3,714(3.88)
Net Loans Receivable302,798276,5549.49296,1159.03
Intangible Assets000.0000.00
Total Assets387,809361,2317.36380,9577.19
Deposits329,574308,5786.80325,1005.50
Debt, Senior and Subordinated26,77418,74842.8123,89248.25
Common Equity27,13624,51110.7127,596(6.67)
Total Shareholders' Equity27,13629,702(8.64)27,596(6.67)
Shares Outstanding (actual)2,386,5142,257,8915.702,386,5140.00
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income3,3773,2982.403,3315.52
Provision for Loan Losses(20)90NM(100)(320.00)
Noninterest Income633649(2.47)714(45.38)
Noninterest Expense3,1703,0304.623,342(20.59)
Net Income Before Taxes8608273.991,067(77.60)
Provision for Taxes247255(3.14)355(121.69)
Net Income6135727.17712(55.62)
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share11.3710.864.7411.56(6.67)
Tangible Book Value11.3710.864.7411.56(6.67)
Diluted EPS Before Extra0.260.2123.810.30(53.33)
Diluted EPS After Extra0.260.2123.810.30(53.33)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.640.6400.76(12)
ROAE8.967.8211410.40(144)
Net Interest Margin3.833.96(13)3.776
Loans / Deposits92.9990.7022992.2079
Efficiency Ratio79.1076.8023077.60150
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.008.22(123)7.24(25)
Equity/ Assets7.008.22(123)7.24(25)
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.890.8540.90(1)
Loan Loss Reserves/ Gross Loans1.201.39(19)1.24(4)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.020.03(1)0.020
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-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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