Oak View Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	20.63	19.88	17.74	14.77	11.32	10.89
Interest Income on Investments	23.37	22.28	18.43	13.95	3.56	0.48
Total Interest Income	44	42.16	36.17	28.72	14.88	11.37
Interest Paid on Deposits	18.15	17.58	15.06	9.75	1.92	0.9
Interest Paid on Borrowings	3.67	3.09	2.97	2.81	0.88	0.21
Total Interest Expense	21.82	20.67	18.03	12.56	2.8	1.11
Net Interest Income	22.18	21.49	18.14	16.16	12.08	10.26
Net Interest Income Growth (YoY)	18.13%	18.47%	12.26%	33.81%	17.65%	19.79%
Mortgage Banking Activities	0.34	0.4	0.31	0.13	0.3	0.56
Gain (Loss) on Sale of Investments	0.12	0.12	0.49	-0.25	-0.27	-
Other Non-Interest Income	1.8	1.36	1.2	1.13	1.03	0.8
Total Non-Interest Income	2.37	1.99	2.09	1.15	1.19	1.48
Non-Interest Income Growth (YoY)	15.03%	-4.83%	82.58%	-3.50%	-19.68%	24.08%
Revenues Before Loan Losses	24.55	23.48	20.23	17.31	13.26	11.74
Provision for Loan Losses	0.28	0.22	0.2	0.58	0.19	-0.06
Revenue	24.27	23.26	20.04	16.73	13.08	11.8
Revenue Growth (YoY)	17.70%	16.08%	19.78%	27.94%	10.78%	27.03%
Salaries and Employee Benefits	8.41	8.03	7.15	6.81	5.58	4.77
Occupancy Expenses	1.08	1.02	0.77	0.7	0.59	0.53
Selling, General & Administrative	2.54	2.48	2.33	2.07	1.95	2.37
Other Non-Interest Expense	3.2	2.99	2.16	1.9	1.16	1.04
Total Non-Interest Expense	15.22	14.52	12.41	11.48	9.28	8.71
EBT Excluding Unusual Items	9.05	8.74	7.63	5.25	3.79	3.1
Pretax Income	9.05	8.74	7.63	5.25	3.79	3.1
Income Tax Expense	1.35	1.52	1.54	1.04	0.74	0.63
Net Income	7.7	7.22	6.1	4.21	3.06	2.47
Net Income to Common	7.7	7.22	6.1	4.21	3.06	2.47
Net Income Growth	23.80%	18.48%	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)	18.43%	14.08%	-0.03%	-0.34%	0.52%	0.88%
EPS (Basic)	2.21	2.15	2.07	1.43	1.03	0.84
EPS (Diluted)	2.21	2.15	2.07	1.43	1.03	0.84
EPS Growth	4.53%	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	14.91%	17.34%	20.11%	19.76%	19.48%	20.21%

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