Oak View Bankshares, Inc. (OAKV)

Oak View Bankshares Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	19.88	17.74	14.77	11.32	10.89
Interest Income on Investments	22.28	18.43	13.95	3.56	0.48
Total Interest Income	42.16	36.17	28.72	14.88	11.37
Interest Paid on Deposits	17.58	15.06	9.75	1.92	0.9
Interest Paid on Borrowings	3.09	2.97	2.81	0.88	0.21
Total Interest Expense	20.67	18.03	12.56	2.8	1.11
Net Interest Income	21.49	18.14	16.16	12.08	10.26
Net Interest Income Growth (YoY)	18.47%	12.26%	33.81%	17.65%	19.79%
Mortgage Banking Activities	0.4	0.31	0.13	0.3	0.56
Gain (Loss) on Sale of Investments	0.12	0.49	-0.25	-0.27	-
Other Non-Interest Income	1.36	1.2	1.13	1.03	0.8
Total Non-Interest Income	1.99	2.09	1.15	1.19	1.48
Non-Interest Income Growth (YoY)	-4.83%	82.58%	-3.50%	-19.68%	24.08%
Revenues Before Loan Losses	23.48	20.23	17.31	13.26	11.74
Provision for Loan Losses	0.22	0.2	0.58	0.19	-0.06
Revenue	23.26	20.04	16.73	13.08	11.8
Revenue Growth (YoY)	16.08%	19.78%	27.94%	10.78%	27.03%
Salaries and Employee Benefits	8.03	7.15	6.81	5.58	4.77
Occupancy Expenses	1.02	0.77	0.7	0.59	0.53
Selling, General & Administrative	2.48	2.33	2.07	1.95	2.37
Other Non-Interest Expense	2.99	2.16	1.9	1.16	1.04
Total Non-Interest Expense	14.52	12.41	11.48	9.28	8.71
EBT Excluding Unusual Items	8.74	7.63	5.25	3.79	3.1
Pretax Income	8.74	7.63	5.25	3.79	3.1
Income Tax Expense	1.52	1.54	1.04	0.74	0.63
Net Income	7.22	6.1	4.21	3.06	2.47
Net Income to Common	7.22	6.1	4.21	3.06	2.47
Net Income Growth	18.48%	44.72%	37.88%	23.71%	22.46%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	14.08%	-0.03%	-0.34%	0.52%	0.88%
EPS (Basic)	2.15	2.07	1.43	1.03	0.84
EPS (Diluted)	2.15	2.07	1.43	1.03	0.84
EPS Growth	3.86%	44.76%	38.83%	22.62%	21.74%
Dividend Per Share	0.350	0.270	0.200	0.100	0.050
Dividend Growth	29.63%	35.00%	100.00%	100.00%	25.00%
Effective Tax Rate	17.34%	20.11%	19.76%	19.48%	20.21%

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