Financial Highlights

Entire IR Site Press Releases Only Filings Only
Email pagePDF viewPrint viewEmail Alert
OAK RIDGE FINANCIAL SERVICES, INC. (OTC Pink - BKOR)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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


Balance Sheet ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves288,327279,1413.29279,87012.09
Loans Held for Sale, before Reserves429191124.61582(105.15)
Loan Loss Reserve3,9714,276(7.13)3,8987.49
Net Loans Receivable284,785275,0563.54276,55411.91
Intangible Assets000.0000.00
Total Assets367,161362,7631.21361,2316.57
Deposits321,707317,9701.18308,57817.02
Debt, Senior and Subordinated10,12313,123(22.86)18,748(184.02)
Common Equity25,63321,95516.7524,51118.31
Total Shareholders' Equity30,82427,14613.5529,70215.11
Shares Outstanding (actual)2,275,9542,181,7054.322,257,8913.20
Income Statement ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income3,3213,361(1.19)3,2982.79
Provision for Loan Losses7525200.0090(66.67)
Noninterest Income607643(5.60)649(25.89)
Noninterest Expense3,0763,639(15.47)3,0306.07
Net Income Before Taxes7701,018(24.36)827(27.57)
Provision for Taxes208304(31.58)255(73.73)
Net Income562714(21.29)572(6.99)
Per Share Items ($)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share11.2610.0611.9210.8614.99
Tangible Book Value11.2610.0611.9210.8614.99
Diluted EPS Before Extra0.200.27(25.93)0.21(19.05)
Diluted EPS After Extra0.200.27(25.93)0.21(19.05)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.620.80(18)0.64(2)
ROAE7.4310.59(316)7.82(39)
Net Interest Margin3.883.97(9)3.96(8)
Loans / Deposits89.6287.7918490.70(107)
Efficiency Ratio78.4077.707076.80160
Balance Sheet Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.407.48918.2217
Equity/ Assets8.407.48918.2217
Asset Quality Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.831.47(64)0.85(2)
Loan Loss Reserves/ Gross Loans1.381.53(16)1.39(1)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.00(0.09)90.03(2)
Regulatory Capital Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 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.


Copyright 2016, © SNL Financial LC  Terms of Use