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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	18.21	17.74	14.77	11.32	10.89	9.97
Interest Income on Investments	19.06	18.43	13.95	3.56	0.48	0.63
Total Interest Income	37.27	36.17	28.72	14.88	11.37	10.6
Interest Paid on Deposits	15.84	15.06	9.75	1.92	0.9	1.68
Interest Paid on Borrowings	2.66	2.97	2.81	0.88	0.21	0.35
Total Interest Expense	18.5	18.03	12.56	2.8	1.11	2.03
Net Interest Income	18.77	18.14	16.16	12.08	10.26	8.57
Net Interest Income Growth (YoY)	13.13%	12.26%	33.81%	17.65%	19.79%	147.55%
Mortgage Banking Activities	0.36	0.31	0.13	0.3	0.56	0.52
Gain (Loss) on Sale of Investments	0.4	0.49	-0.25	-0.27	-	-
Other Non-Interest Income	1.21	1.2	1.13	1.03	0.8	0.59
Total Non-Interest Income	2.06	2.09	1.15	1.19	1.48	1.19
Non-Interest Income Growth (YoY)	68.00%	82.58%	-3.50%	-19.68%	24.08%	-
Revenues Before Loan Losses	20.84	20.23	17.31	13.26	11.74	9.76
Provision for Loan Losses	0.21	0.2	0.58	0.19	-0.06	0.47
Revenue	20.62	20.04	16.73	13.08	11.8	9.29
Revenue Growth (YoY)	19.41%	19.78%	27.94%	10.78%	27.03%	196.43%
Salaries and Employee Benefits	7.36	7.15	6.81	5.58	4.77	3.8
Occupancy Expenses	0.79	0.77	0.7	0.59	0.53	0.55
Selling, General & Administrative	2.44	2.33	2.07	1.95	2.37	1.54
Other Non-Interest Expense	2.25	2.16	1.9	1.16	1.04	0.86
Total Non-Interest Expense	12.84	12.41	11.48	9.28	8.71	6.75
EBT Excluding Unusual Items	7.79	7.63	5.25	3.79	3.1	2.54
Pretax Income	7.79	7.63	5.25	3.79	3.1	2.54
Income Tax Expense	1.57	1.54	1.04	0.74	0.63	0.52
Net Income	6.22	6.1	4.21	3.06	2.47	2.02
Net Income to Common	6.22	6.1	4.21	3.06	2.47	2.02
Net Income Growth	36.95%	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)	0.04%	-0.03%	-0.34%	0.52%	0.88%	105.70%
EPS (Basic)	2.11	2.07	1.43	1.03	0.84	0.70
EPS (Diluted)	2.11	2.07	1.43	1.03	0.84	0.69
EPS Growth	36.90%	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	20.14%	20.11%	19.76%	19.48%	20.21%	20.56%

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