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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)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves275,952271,5581.62279,141(4.57)
Loans Held for Sale, before Reserves0117NM191NM
Loan Loss Reserve3,8424,868(21.08)4,276(40.60)
Net Loans Receivable272,110266,8071.99275,056(4.28)
Intangible Assets000.0000.00
Total Assets359,779356,2730.98362,763(3.29)
Deposits314,983316,016(0.33)317,970(3.76)
Debt, Senior and Subordinated12,9988,24857.5913,123(3.81)
Common Equity22,28920,24010.1221,9556.09
Total Shareholders' Equity27,48027,931(1.61)27,1464.92
Shares Outstanding (actual)2,181,7052,027,4897.612,181,7050.00
Income Statement ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income3,3513,403(1.53)3,361(1.19)
Provision for Loan Losses(300)350NM25NM
Noninterest Income680725(6.21)64323.02
Noninterest Expense3,0473,063(0.52)3,639(65.07)
Net Income Before Taxes1,24476662.401,01888.80
Provision for Taxes389191103.66304111.84
Net Income85557548.7071478.99
Per Share Items ($)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share10.229.982.3410.066.09
Tangible Book Value10.229.982.3410.066.09
Diluted EPS Before Extra0.340.2161.900.27103.70
Diluted EPS After Extra0.340.2161.900.27103.70
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.950.65300.8015
ROAE12.528.4740510.59193
Net Interest Margin3.924.06(14)3.97(5)
Loans / Deposits87.6185.9316887.79(18)
Efficiency Ratio76.3073.3030077.70(140)
Balance Sheet Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.647.84(20)7.4815
Equity/ Assets7.647.84(20)7.4815
Asset Quality Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.141.60(46)1.47(33)
Loan Loss Reserves/ Gross Loans1.391.79(40)1.53(14)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.190.90(71)(0.09)28
Regulatory Capital Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 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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