Oak View Bankshares, Inc. (OAKV)

Oak View Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	19.25	17.74	14.77	11.32	10.89	9.97
Interest Income on Investments	20.99	18.43	13.95	3.56	0.48	0.63
Total Interest Income	40.24	36.17	28.72	14.88	11.37	10.6
Interest Paid on Deposits	17.03	15.06	9.75	1.92	0.9	1.68
Interest Paid on Borrowings	2.75	2.97	2.81	0.88	0.21	0.35
Total Interest Expense	19.78	18.03	12.56	2.8	1.11	2.03
Net Interest Income	20.46	18.14	16.16	12.08	10.26	8.57
Net Interest Income Growth (YoY)	15.93%	12.26%	33.81%	17.65%	19.79%	147.55%
Mortgage Banking Activities	0.43	0.31	0.13	0.3	0.56	0.52
Gain (Loss) on Sale of Investments	0.15	0.49	-0.25	-0.27	-	-
Other Non-Interest Income	1.31	1.2	1.13	1.03	0.8	0.59
Total Non-Interest Income	1.99	2.09	1.15	1.19	1.48	1.19
Non-Interest Income Growth (YoY)	7.02%	82.58%	-3.50%	-19.68%	24.08%	-
Revenues Before Loan Losses	22.45	20.23	17.31	13.26	11.74	9.76
Provision for Loan Losses	0.24	0.2	0.58	0.19	-0.06	0.47
Revenue	22.22	20.04	16.73	13.08	11.8	9.29
Revenue Growth (YoY)	16.52%	19.78%	27.94%	10.78%	27.03%	196.43%
Salaries and Employee Benefits	7.89	7.15	6.81	5.58	4.77	3.8
Occupancy Expenses	0.91	0.77	0.7	0.59	0.53	0.55
Selling, General & Administrative	2.63	2.33	2.07	1.95	2.37	1.54
Other Non-Interest Expense	2.47	2.16	1.9	1.16	1.04	0.86
Total Non-Interest Expense	13.89	12.41	11.48	9.28	8.71	6.75
EBT Excluding Unusual Items	8.33	7.63	5.25	3.79	3.1	2.54
Pretax Income	8.33	7.63	5.25	3.79	3.1	2.54
Income Tax Expense	1.68	1.54	1.04	0.74	0.63	0.52
Net Income	6.65	6.1	4.21	3.06	2.47	2.02
Net Income to Common	6.65	6.1	4.21	3.06	2.47	2.02
Net Income Growth	18.56%	44.72%	37.88%	23.71%	22.46%	-
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-	-0.03%	-0.34%	0.52%	0.88%	105.70%
EPS (Basic)	2.07	2.07	1.43	1.03	0.84	0.70
EPS (Diluted)	2.07	2.07	1.43	1.03	0.84	0.69
EPS Growth	-	44.76%	38.83%	22.62%	21.74%	-
Dividend Per Share	-	0.270	0.200	0.100	0.050	0.040
Dividend Growth	-	35.00%	100.00%	100.00%	25.00%	-
Effective Tax Rate	20.16%	20.11%	19.76%	19.48%	20.21%	20.56%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.