{"id":428048,"date":"2021-02-03T12:42:34","date_gmt":"2021-02-03T17:42:34","guid":{"rendered":"http:\/\/www.marketnewsdesk.com\/?p=428048"},"modified":"2021-02-03T12:42:34","modified_gmt":"2021-02-03T17:42:34","slug":"oak-ridge-financial-services-inc-announces-2020-results-and-quarterly-cash-dividend-of-0-06-per-share","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/oak-ridge-financial-services-inc-announces-2020-results-and-quarterly-cash-dividend-of-0-06-per-share\/","title":{"rendered":"Oak Ridge Financial Services, Inc. Announces 2020 Results and Quarterly Cash Dividend of $0.06 Per Share"},"content":{"rendered":"<div class=\"mw_release\">\n<p align=\"left\">OAK RIDGE, N.C., Feb.  03, 2021  (GLOBE NEWSWIRE) &#8212; Oak Ridge Financial Services, Inc. (\u201cOak Ridge\u201d; or the \u201cCompany\u201d) (OTCPink: BKOR), the parent company of Bank of Oak Ridge (the \u201cBank\u201d), announced unaudited financial results for the fourth quarter and full year of 2020, and a quarterly cash dividend of $0.06 per share.<\/p>\n<p>\n        <strong>Fourth Quarter and Full Year 2020 Highlights<\/strong>\n      <\/p>\n<ul type=\"disc\">\n<li>Earnings per share of $1.23 for 2020, down 39 cents, or 24%, from 2019; earnings per share of $0.38 for the three months ended December 31, 2020, down one cent, or 3%, from 2019;<\/li>\n<li>Return on average common stockholders\u2019 equity of 7.68% for 2020, compared to 11.25% for 2019; return on average common stockholders\u2019 equity of 9.17% for the three months ended December 31, 2020, compared to 10.23% for the same period in 2019;<\/li>\n<li>Loan loss provision for the year ended December 31, 2020 of $2.7 million, up from $185,000 for 2019; 2020 loan loss provision of $2.7 million predominantly related to the potential adverse economic impact of the COVID-19 pandemic, and the primary reason for the decline in earnings per share and return on average common stockholders\u2019 equity from 2019 to 2020;<\/li>\n<li>Tangible book value per common share of $16.86, up 9.8%, or $1.50, from $15.36 as of December 31, 2019.<\/li>\n<li>Through the end of the first round of the Small Business Administration (\u201cSBA\u201d) Payroll Protection Program (\u201cPPP\u201d) in August 2020, the Bank funded 606 PPP loans totaling $50.1 million, and has collected fees from the SBA of $2.1 million; these fees and associated origination costs will be recognized as interest income over the life of the PPP loans;<\/li>\n<li>Period end loans of $450.6 million, up 15.8% from December 31, 2019. period end loans, net of PPP loans, of $403.4 million, up 3.7% from December 31, 2019;<\/li>\n<li>Outstanding balance of loans granted deferrals of principal and\/or interest payments in response to COVID-19 of $1.1 million (0.2% of total loans) as of December 31, 2020, down from a peak of $133.7 million (29.2% of loans);<\/li>\n<li>Period end allowance for loan losses of $5.5 million, up 89.1%, from $2.9 million at December 31, 2019.<\/li>\n<li>Nonperforming assets of $3.5 million, down 8.4% from $3.9 million at December 31, 2019.<\/li>\n<li>Period end deposits of $455.7 million, up 14.5% from December 31, 2019, period end noninterest-bearing deposits of $94.2 million, up 46.4% from December 31, 2019.<\/li>\n<\/ul>\n<p>Tom Wayne, Chief Executive Officer and Chief Financial Officer, reported, \u201cIn the midst of the unprecedented challenges presented by the ongoing COVID-19 pandemic, I am extremely pleased with our financial performance in 2020, and very proud of our Bank\u2019s support of the local community through our participation in the PPP program and our loan deferral program, which was structured to assist borrowers that have been impacted by COVID-19. Loans in deferral peaked at 29% of total loans in the second quarter of 2020 and have declined significantly to just 0.2% of total loans at December 31, 2020, a very positive sign. Since the pandemic began, we have followed local, state, and national guidelines, and have adapted our sales and service processes to seamlessly service new and existing clients while keeping our team safe. While it is difficult to accurately predict the next few quarters and the impact of COVID-19 on our local and national economy, I am thankful to have our experienced team of bankers and a supportive board of directors as we address future challenges and opportunities.\u201d<\/p>\n<p>A quarterly cash dividend of $0.06 per share of common stock is payable on March 1, 2021 to stockholders of record as of the close of business on February 16, 2021. \u201cWe are pleased to announce our quarterly cash dividend to our stockholders,\u201d said Mr. Wayne. \u201cPaying stockholders a portion of our earnings reflects our continuing commitment to enhance stockholder value.\u201d<\/p>\n<p>The Bank adopted the 9% community bank leverage ratio (\u201cCBLR\u201d) requirement as of June 30, 2020. As of December 31, 2020 the Bank\u2019s CBLR was 9.22%. As of December 31, 2020, the Company\u2019s stockholders\u2019 equity was $44.5 million, up 10.4%, from $40.3 million at December 31, 2019.<\/p>\n<p>With respect to the consolidated statement of operations for 2020 and 2019, net interest income was $17.6 million for 2020, up $1.3 million, or 8.0%, from $16.3 million during the year ending December 31, 2019. For 2020, the net interest margin was 3.50% compared to 3.69% for year ending December 31, 2019, a decrease of 19 basis points. The primary reason for the decrease in the net interest margin was an increase in interest expense associated with the Company\u2019s $10 million subordinated debenture issue that closed in June 2020.<\/p>\n<p>The Company recorded a provision for loan losses of $2.7 million in 2020, compared with a loan loss provision of $185,000 in 2019. The allowance for loan losses as a percentage of total loans was 1.21% at December 31, 2020 compared to 0.90% at December 31, 2019. The allowance for loan losses as a percentage of total loans not including PPP loans was 1.35% as of December 31, 2020. The increase in the allowance for loan losses in 2020 was largely the result of the Company increasing the qualitative factors in its allowance for loan loss model due to the deteriorating economic outlook related to COVID-19. Nonperforming assets represented 0.64% of total assets as of December 31, 2020, compared to 0.82% at December 31, 2019.<\/p>\n<p>Noninterest income totaled $3.2 million in 2020, unchanged from 2019. Noninterest expense totaled $14.0 million in 2019, down slightly from $14.1 million in 2019.<\/p>\n<p>\n        <strong>About Oak Ridge Financial Services, Inc.<\/strong><br \/>\n        <br \/>Oak Ridge Financial Services, Inc. (OTCPink: BKOR) is the holding company for Bank of Oak Ridge. Bank of Oak Ridge delivers personal attention and convenience for every client. Substantially all of the Bank\u2019s employees are stockholders in Oak Ridge Financial Services, Inc. through their participation in the Bank\u2019s Employee Stock Ownership Plan. We are proud of our many accolades and awards, including seven \u201cBest Bank in the Triad\u201d wins, \u201cTriad\u2019s Top Workplace\u201d finalist, \u201cTriad\u2019s Healthiest Employer\u201d winner and a 2016 Better Business Bureau \u201cTorch Award\u201d winner. We offer a complete range of banking services for individuals and businesses. Bank of Oak Ridge is a member of the FDIC and an Equal Housing Lender.<\/p>\n<p>\n        <strong>Banking Services<\/strong> | ATM Usage Worldwide | Mobile Banking | Online Billpay | Remote and Mobile Deposit | Checking | Savings | Mortgage | Insurance | Lending | Wealth Management<\/p>\n<p>\n        <strong>Visit Us<\/strong> | To learn more, visit us during our extended weekday and Saturday hours at one of our convenient locations in Greensboro, Summerfield and Oak Ridge, North Carolina, or call 336.644.9944, or online at <u><a href=\"https:\/\/www.globenewswire.com\/Tracker?data=PgSb_3j_nW8C_L1uElOETRk74iGGGxTZa95XAllIn1uUTwSCgZvSSnxcWX3SrcMb8GhV9wYf7eZDvpmMGMOOImzAM03VWaK8OPpIQmHndFo=\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">www.BankofOakRidge.com<\/a><\/u>.<\/p>\n<p align=\"justify\">\n        <strong>Forward-looking Information<br \/><\/strong><br \/>\n        <em>This earnings release contains certain forward-looking statements with respect to the financial condition, results of operations and business of the Company. These forward-looking statements involve risks and uncertainties and are based on the beliefs and assumptions of management of the Company and on the information available to management at the time that these disclosures were prepared. These statements can be identified by the use of words like \u201cexpect,\u201d \u201canticipate,\u201d \u201cestimate\u201d and \u201cbelieve,\u201d variations of these words and other similar expressions. Readers should not place undue reliance on forward-looking statements as a number of important factors could cause actual results to differ materially from those in the forward-looking statements. Factors that could cause actual results to differ materially include, but are not limited to, (1) competition in the Company\u2019s markets, (2) changes in the interest rate environment, (3) general national, regional or local economic conditions may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and the possible impairment of collectability of loans, (4) legislative or regulatory changes, including changes in accounting standards, (5) significant changes in the federal and state legal and regulatory environment and tax laws, and (6) the impact of changes in monetary and fiscal policies, laws, rules and regulations. The Company undertakes no obligation to update any forward-looking statements.<\/em>\n      <\/p>\n<p align=\"justify\">\n        <br \/>\n        <strong>Oak Ridge Financial Services, Inc. <\/strong><br \/>\n        <br \/>\n        <strong>Consolidated Balance Sheets <\/strong><br \/>\n        <br \/>\n        <strong><br \/>\n          <em>December 31, 2020 (Unaudited) and December 31, 2019 (Audited) <\/em><br \/>\n        <\/strong><br \/>\n        <br \/>\n        <strong><br \/>\n          <em>(Dollars in thousands) <\/em><br \/>\n        <\/strong>\n      <\/p>\n<table align=\"center\" style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-right: 0;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2020<\/strong>\n          <\/td>\n<td style=\"padding-right: 0;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-right: 0;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>2019<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:79%;width:79%;min-width:79%;vertical-align: top\">\n            <strong>Assets<\/strong>\n          <\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Cash and due from banks<\/td>\n<td style=\"padding-right: 0;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">9,104<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4,030<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Interest-bearing deposits with banks<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">9,027<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">14,928<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Total cash and cash equivalents<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">18,131<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">18,958<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Federal Funds Sold<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3,217<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4,611<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Securities available-for-sale<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">46,357<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">41,183<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Securities held-to-maturity (fair values of $715 at year end 2020 and $898 at year end 2019)<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">564<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">730<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">FRB and FHLB Stock, at cost<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,806<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,042<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Loans, net of allowance for loan losses of $5,458 at year end 2020 and $2,886 at year end 2019<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">445,127<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">386,056<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Property and equipment, net<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">10,632<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">10,491<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Accrued interest receivable<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">2,412<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,478<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Bank owned life insurance<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">5,930<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">5,837<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Right-of-use assets \u2013 operating leases<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,990<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,336<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">Other assets<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">4,464<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">3,984<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total assets<\/td>\n<td style=\"padding-right: 0;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">540,630<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">475,706<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">\n            <strong>Liabilities and Stockholders\u2019 Equity<\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Liabilities<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Deposits:<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 20.0px;vertical-align: top\">Noninterest-bearing<\/td>\n<td style=\"padding-right: 0;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">94,225<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">64,374<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 20.0px;vertical-align: top\">Interest-bearing<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">361,512<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">333,752<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total deposits<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">455,737<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">398,126<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Short-term borrowings<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">8,000<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">15,000<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Long-term borrowings<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">952<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,184<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Junior subordinated notes related to trust preferred securities<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">8,248<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">8,248<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Subordinated debentures<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">15,459<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">5,608<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Lease liabilities \u2013 operating leases<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,990<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,336<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Accrued interest payable<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">140<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">281<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Other liabilities<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">5,603<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">5,608<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total liabilities<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">496,129<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">435,391<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<td style=\"vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Stockholders\u2019 equity<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Common stock, no par value; 50,000,000 shares authorized; 2,639,345 and 2,621,315 issued and outstanding as of December 31, 2020 and 2019, respectively<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">25,013<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">24,850<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Retained earnings<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">15,797<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">13,146<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">Accumulated other comprehensive income<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">3,691<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">2,319<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total stockholders\u2019 equity<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">44,501<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">40,315<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total liabilities and stockholders\u2019 equity<\/td>\n<td style=\"padding-right: 0;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">540,630<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">475,706<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong>Oak Ridge Financial Services, Inc.<\/strong><br \/>\n        <br \/>\n        <strong>Consolidated Statements of Operations<\/strong><br \/>\n        <br \/>\n        <strong><br \/>\n          <em>For the three months and year ended December 31, 2020 and 2019 (Unaudited)<\/em><br \/>\n        <\/strong><br \/>\n        <br \/>\n        <strong><br \/>\n          <em>(Dollars in thousands except per share data)<\/em><br \/>\n        <\/strong>\n      <\/p>\n<p>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<strong>\u00a0<\/strong><\/p>\n<table align=\"center\" style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle\">\u00a0<\/td>\n<td colspan=\"6\" style=\"text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>Three months ended December 31,<\/strong>\n          <\/td>\n<td colspan=\"6\" style=\"text-align: center;vertical-align: middle;vertical-align: top\">\n            <strong>Year ended December 31,<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"padding-right: 0;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>2020<\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"padding-right: 0;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>2019<\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"padding-right: 0;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>2020<\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"padding-right: 0;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>2019<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Interest and dividend income<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Loans and fees on loans<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">5,196<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">5,029<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">20,649<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">20,077<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Interest on deposits in banks<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">73<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">83<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">371<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Federal Home Loan Bank stock dividends<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">48<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">16<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">98<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">66<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Investment securities<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">367<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">313<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,304<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,346<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total interest and dividend income<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">5,615<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">5,431<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">22,134<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">21,860<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Interest expense<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Deposits<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">570<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,106<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3,213<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4,398<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Short-term and long-term debt<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">365<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">277<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,319<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,162<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total interest expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">935<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,383<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">4,532<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">5,560<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Net interest income<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4,680<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4,048<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">17,602<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">16,300<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Provision for loan losses<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">500<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">2,746<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">185<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Net interest income after provision for loan losses<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">4,180<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">4,048<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">14,856<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">16,115<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: top\">\u00a0<\/td>\n<td colspan=\"3\" style=\"text-align: center;vertical-align: middle;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"3\" style=\"text-align: center;vertical-align: middle;vertical-align: top\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Noninterest income<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Service charges on deposit accounts<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">143<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">196<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">588<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">732<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Gain on sale of securities<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">164<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Brokerage commissions on mortgage loans<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">86<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">69<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">381<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">306<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Insurance commissions<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">87<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">80<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">362<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">349<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Gain on sale of SBA loans<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">195<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">464<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">278<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Fee income from accounts receivable financing<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">13<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Debit and credit card interchange income<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">252<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">248<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,048<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">963<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Income earned on bank owned life insurance<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">23<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">25<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">93<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">98<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Other service charges and fees<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">57<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">67<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">226<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">267<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total noninterest income<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">648<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">880<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">3,162<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">3,170<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Noninterest expense<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Salaries<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,731<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,701<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">6,138<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">6,678<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Employee benefits<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">286<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">296<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,117<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,159<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Occupancy expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">285<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">234<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">998<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">880<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Equipment expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">258<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">242<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,010<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">915<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Data and item processing<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">514<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">508<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">2,147<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1,976<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Professional and advertising<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">118<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">176<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">579<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">658<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Stationery and supplies<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">29<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">29<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">132<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">141<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Net cost of foreclosed assets<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">40<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">4<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">52<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Impairment loss on securities<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">5<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">12<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">58<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">28<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Telecommunications expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">86<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">97<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">351<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">403<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">FDIC assessment<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">72<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">266<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">48<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Accounts receivable financing expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">&#8211;<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Other expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">234<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">338<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,245<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">1,134<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 30.0px;vertical-align: top\">Total noninterest expense<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">3,618<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">3,673<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">14,045<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">14,075<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: middle;text-align: left;padding-left: 15.0px;vertical-align: top\">Income before income taxes<\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: top\">1,210<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: top\">1,255<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: top\">3,973<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: top\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;vertical-align: top\">5,210<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Income tax expense<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">200<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">225<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">714<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">960<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Net income and net income available to common stockholders<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">1,010<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">1,030<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">3,259<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">4,250<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Basic net income per common share<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">0.38<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">0.39<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">1.23<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">1.62<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Diluted income per common share<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">0.38<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">0.39<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">1.23<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">$<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">1.62<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Basic weighted average common shares outstanding<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,639,345<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,625,685<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,640,504<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,621,007<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: top\">\n            <strong><br \/>\n              <em>Diluted weighted average common shares outstanding<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;padding-right: 0;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,639,345<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,634,729<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,640,504<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"2\" style=\"padding-left: 0;text-align: right;vertical-align: middle;border-bottom: double 15px 3pt;vertical-align: bottom\">2,630,244<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: middle;text-align: left;padding-left: 10.0px;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td colspan=\"3\" style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong>Oak Ridge Financial Services, Inc.<\/strong><br \/>\n        <br \/>\n        <strong>Selected Quarterly Financial Ratios (unaudited)<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"vertical-align: bottom\">Selected Financial Data<\/td>\n<td colspan=\"3\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">December 31, 2020<\/td>\n<td colspan=\"3\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">September 30, 2020<\/td>\n<td colspan=\"3\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">June 30, 2020<\/td>\n<td colspan=\"3\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">March 31, 2020<\/td>\n<td colspan=\"3\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">December 31, 2019<\/td>\n<td colspan=\"3\" style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">September 30, 2019<\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:29%;width:29%;min-width:29%;vertical-align: bottom\">Return on average common stockholders&#8217; equity<sup>1<\/sup><\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">9.17<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"max-width:2%;width:2%;min-width:2%;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">8.50<\/td>\n<td style=\"max-width:2%;width:2%;min-width:2%;padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">11.66<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"max-width:2%;width:2%;min-width:2%;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">1.68<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"max-width:2%;width:2%;min-width:2%;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">10.23<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"max-width:2%;width:2%;min-width:2%;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"max-width:9%;width:9%;min-width:9%;padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">11.08<\/td>\n<td style=\"max-width:1%;width:1%;min-width:1%;padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Tangible book value per share<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">16.86<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">16.36<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">15.98<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">15.22<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">15.36<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">$<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">14.99<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Return on average assets<sup>1<\/sup><\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.73<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.64<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.92<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.14<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.86<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.92<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net interest margin<sup>1<\/sup><\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.57<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.42<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.50<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.49<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.57<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.80<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Net interest income to average assets<sup>1<\/sup><\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.32<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.27<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.34<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.32<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.37<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">3.51<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Efficiency ratio<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">67.64<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">68.67<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">62.79<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">71.82<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">74.53<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">69.9<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">Nonperforming assets to total assets<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.64<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.64<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.65<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.78<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.81<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">0.91<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">%<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: right;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<td style=\"padding-left: 0;text-align: left;vertical-align: middle;vertical-align: bottom\">\u00a0<\/td>\n<\/tr>\n<\/table>\n<p>\n        <sup>1<\/sup>Annualized<\/p>\n<p>\n        <strong>Contact: Tom Wayne, CEO and CFO<\/strong><br \/>\n        <br \/>\n        <strong>Phone: 336-644-9944<\/strong>\n      <\/p>\n<p>      <img loading=\"lazy\" decoding=\"async\" class=\"__GNW8366DE3E__IMG\" src=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=ODE0Njc0OSMzOTU3NjMzIzIwMjY1NjI=\" width=\"1\" height=\"1\" \/><br \/>\n      <br \/>\n      <img loading=\"lazy\" decoding=\"async\" class=\"__GNW8366DE3E__IMG\" src=\"https:\/\/ml.globenewswire.com\/release\/track\/a2d17ee4-6994-4a9b-b535-ebc418a05c01\" width=\"1\" height=\"1\" \/>\n    <\/div>\n<div class=\"mw_contactinfo\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>OAK RIDGE, N.C., Feb. 03, 2021 (GLOBE NEWSWIRE) &#8212; Oak Ridge Financial Services, Inc. (\u201cOak Ridge\u201d; or the \u201cCompany\u201d) (OTCPink: BKOR), the parent company of Bank of Oak Ridge (the \u201cBank\u201d), announced unaudited financial results for the fourth quarter and full year of 2020, and a quarterly cash dividend of $0.06 per share. Fourth Quarter and Full Year 2020 Highlights Earnings per share of $1.23 for 2020, down 39 cents, or 24%, from 2019; earnings per share of $0.38 for the three months ended December 31, 2020, down one cent, or 3%, from 2019; Return on average common stockholders\u2019 equity of 7.68% for 2020, compared to 11.25% for 2019; return on average common stockholders\u2019 equity of 9.17% for the three &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/oak-ridge-financial-services-inc-announces-2020-results-and-quarterly-cash-dividend-of-0-06-per-share\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Oak Ridge Financial Services, Inc. Announces 2020 Results and Quarterly Cash Dividend of $0.06 Per Share&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-428048","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Oak Ridge Financial Services, Inc. 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(\u201cOak Ridge\u201d; or the \u201cCompany\u201d) (OTCPink: BKOR), the parent company of Bank of Oak Ridge (the \u201cBank\u201d), announced unaudited financial results for the fourth quarter and full year of 2020, and a quarterly cash dividend of $0.06 per share. Fourth Quarter and Full Year 2020 Highlights Earnings per share of $1.23 for 2020, down 39 cents, or 24%, from 2019; earnings per share of $0.38 for the three months ended December 31, 2020, down one cent, or 3%, from 2019; Return on average common stockholders\u2019 equity of 7.68% for 2020, compared to 11.25% for 2019; return on average common stockholders\u2019 equity of 9.17% for the three &hellip; Continue reading &quot;Oak Ridge Financial Services, Inc. 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Fourth Quarter and Full Year 2020 Highlights Earnings per share of $1.23 for 2020, down 39 cents, or 24%, from 2019; earnings per share of $0.38 for the three months ended December 31, 2020, down one cent, or 3%, from 2019; Return on average common stockholders\u2019 equity of 7.68% for 2020, compared to 11.25% for 2019; return on average common stockholders\u2019 equity of 9.17% for the three &hellip; Continue reading \"Oak Ridge Financial Services, Inc. Announces 2020 Results and Quarterly Cash Dividend of $0.06 Per Share\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/oak-ridge-financial-services-inc-announces-2020-results-and-quarterly-cash-dividend-of-0-06-per-share\/","og_site_name":"Market Newsdesk","article_published_time":"2021-02-03T17:42:34+00:00","og_image":[{"url":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=ODE0Njc0OSMzOTU3NjMzIzIwMjY1NjI=","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oak-ridge-financial-services-inc-announces-2020-results-and-quarterly-cash-dividend-of-0-06-per-share\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oak-ridge-financial-services-inc-announces-2020-results-and-quarterly-cash-dividend-of-0-06-per-share\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"Oak Ridge Financial Services, Inc. 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