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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 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves289,962275,9525.08288,3272.27
Loans Held for Sale, before Reserves4990NM42965.27
Loan Loss Reserve3,8283,842(0.36)3,971(14.40)
Net Loans Receivable286,633272,1105.34284,7852.60
Intangible Assets000.0000.00
Total Assets370,732359,7793.04367,1613.89
Deposits321,513314,9832.07321,707(0.24)
Debt, Senior and Subordinated17,51612,99834.7610,123292.13
Common Equity27,16022,28921.8525,63323.83
Total Shareholders' Equity27,16027,480(1.16)30,824(47.55)
Shares Outstanding (actual)2,387,9542,181,7059.452,275,95419.68
Income Statement ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income3,3533,3510.063,3213.85
Provision for Loan Losses(125)(300)(58.33)75NM
Noninterest Income7266806.7660778.42
Noninterest Expense3,1513,0473.413,0769.75
Net Income Before Taxes1,0531,244(15.35)770147.01
Provision for Taxes310389(20.31)208196.15
Net Income743855(13.10)562128.83
Per Share Items ($)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share11.3710.2211.3311.263.95
Tangible Book Value11.3710.2211.3311.263.95
Diluted EPS Before Extra0.260.34(23.53)0.20120.00
Diluted EPS After Extra0.260.34(23.53)0.20120.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA0.810.95(14)0.6219
ROAE10.2512.52(227)7.43282
Net Interest Margin3.813.92(11)3.88(7)
Loans / Deposits90.1987.6125889.6256
Efficiency Ratio77.3076.3010078.40(110)
Balance Sheet Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.337.64(31)8.40(107)
Equity/ Assets7.337.64(31)8.40(107)
Asset Quality Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.821.14(32)0.83(1)
Loan Loss Reserves/ Gross Loans1.321.39(7)1.38(6)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.020.19(17)0.002
Regulatory Capital Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 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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