BANK OF OAK RIDGE

BANK OF OAK RIDGE is headquartered in Oak Ridge and is the 39^th largest bank in the state of North Carolina. It is also the 1,865^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 105 employees at 5 locations. BANK OF OAK RIDGE has a 4-star health rating.

BANK OF OAK RIDGE Routing Number: 053112327

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Data for Q4 2011

Institution Statistics BANK OF OAK RIDGE FDIC Certificate # 35365 BankRate Report View Year Established 2000 Employees 105 Primary Regulator FDIC Assets and Liabilities Assets $351.87 million Loans $251.64 million Deposits $317.26 million Equity Capital $32.57 million Loan Loss Allowance $4.45 million Unbacked Noncurrent Loans $4.61 million Real Estate Owned $2.22 million Historic Data - December 2010 Assets $348.76 million Equity Capital $29.11 million Loan Loss Allowance $4.38 million Unbacked Noncurrent Loans $5.27 million Real Estate Owned $2.21 million Profit Margin - Quarterly Net Interest Margin 4.34% Return on Assets 0.12% Return on Equity 1.33% Interest Income $17.52 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 BANK OF OAK RIDGE had $6.82 million in non-current loans and owned real-estate with $37.02 million in equity and loan loss allowances on hand to cover it. This gives BANK OF OAK RIDGE a Texas Ratio of 18.43% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BANK OF OAK RIDGE decreased slightly from 22.33% as of December 31, 2010 to 18.43% as of December 31, 2011, resulting in a positive change of 17.47%.This indicates that the balance sheet and financial strength for BANK OF OAK RIDGE has improved slightly in recent periods. Deposit Growth In the past year, BANK OF OAK RIDGE has increased its total deposits by $10.22 million, resulting in 3.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BANK OF OAK RIDGE has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BANK OF OAK RIDGE has $351.87 million in assets with $37.02 million in equity, resulting in a capitalization level of 10.52%, which is above average.

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