Company:  OAK RIDGE FINANCIAL SERVI ... (BKOR)
Form Type:  10-K
Filing Date:  3/29/2012 
CIK:  0001398006 
Address:  2211 OAK RIDGE ROAD PO BOX 2 
City, State, Zip:  OAK RIDGE, North Carolina 27310 
Telephone:  336 664 9944 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$6.85  
Change: 
0.17 (2.55%)  
Trade Time: 
11:04 AM EST  
Market Cap: 
$12.41M
Description of Business
Oak Ridge Financial Services, Inc. (referred to as the �Company,� �we,� �our� or �us�) is a bank holding company incorporated under the laws of the State of North Carolina and registered under the Bank holding Company Act of 1956, as amended (�BHCA�). The Company was incorporated on March 2, 2007 and became a bank holding company on April 20, 2007. Bank of Oak Ridge (the �Bank�) was incorporated on April 6, 2000 as a North Carolina chartered commercial bank and opened for business on April 10, 2000. Including its main office, the Bank operates five (5) full service branch offices in Oak Ridge, Summerfield, and Greensboro, North Carolina. The Company operates for the primary purpose of serving as the holding company for the Bank. The Company�s and the Bank�s headquarters are located at 8050 Fogleman Road, North Carolina 27310. The telephone number is (336) 644-9944, and its website is www.bankofoakridge.com.
Register for EDGAR Pro and access this filing in:     
  FORM 10-K
    PART I
      ITEM 1 - BUSINESS
      ITEM 1A. RISK FACTORS
      ITEM 1B. UNRESOLVED STAFF COMMENTS
      ITEM 2. PROPERTIES
      ITEM 3. LEGAL PROCEEDINGS
      ITEM 4. MINE SAFETY DISCLOSURES
    PART II
      ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      ITEM 8. CONSOLIDATED FINANCIAL STATEMENTS
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        CASH FLOW
        Notes to Consolidated Financial Statements
      ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9A. CONTROLS AND PROCEDURES
      ITEM 9B. OTHER INFORMATION
    PART III
      ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.
      ITEM 11. EXECUTIVE COMPENSATION
      ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND ...
      ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS AND ...
      ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES
    PART IV
      ITEM 15. EXHIBITS
    SIGNATURES
    INDEX TO EXHIBITS
  EXHIBIT 10.(XVI)
  EXHIBIT 21
  EXHIBIT 31.1
    CERTIFICATIONS
  EXHIBIT 31.2
    CERTIFICATIONS
  EXHIBIT 32
    Certification of Periodic Financial Report
  EXHIBIT 99.01
  EXHIBIT 99.02
BROKERAGE PARTNERS