Oak Valley Bancorp (OVLY)

Oak Valley Bancorp 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	56	53.41	44.77	38.89	43.77	39.95
Interest Income on Investments	29.19	29.49	35.89	22.31	6.04	6.16
Total Interest Income	85.19	82.89	80.67	61.2	49.81	46.11
Interest Paid on Deposits	13.73	12.86	4.86	1.12	0.97	1.12
Interest Paid on Borrowings	-	-	0	-	-	0.03
Total Interest Expense	13.73	12.86	4.86	1.12	0.97	1.15
Net Interest Income	71.46	70.03	75.8	60.08	48.84	44.96
Net Interest Income Growth (YoY)	0.11%	-7.61%	26.18%	23.02%	8.63%	9.56%
Mortgage Banking Activities	0.03	0.03	0.02	0.07	0.15	0.13
Gain (Loss) on Sale of Investments	0	0.11	0.16	-	0.15	0
Other Non-Interest Income	4.82	4.73	4.64	3.9	3.83	3.38
Total Non-Interest Income	6.59	6.56	6.63	5.57	5.43	4.82
Non-Interest Income Growth (YoY)	-0.11%	-1.15%	19.03%	2.67%	12.69%	-4.60%
Revenues Before Loan Losses	78.05	76.59	82.43	65.65	54.26	49.77
Provision for Loan Losses	-1.62	-1.62	0.97	-1.35	-0.64	2.17
Revenue	79.67	78.21	81.46	67	54.9	47.61
Revenue Growth (YoY)	4.08%	-3.99%	21.59%	22.04%	15.31%	4.55%
Salaries and Employee Benefits	28.73	27.8	25.58	22.42	19.63	17.42
Occupancy Expenses	3.02	3.07	3.02	2.86	2.74	2.51
Federal Deposit Insurance	1.11	1.09	1.02	0.93	0.65	0.32
Selling, General & Administrative	5.21	5.2	4.79	4.26	3.93	3.75
Other Non-Interest Expense	10.12	8.86	6.76	6.84	6.27	5.86
Total Non-Interest Expense	48.18	46.02	41.16	37.31	33.22	29.86
EBT Excluding Unusual Items	31.49	32.19	40.31	29.69	21.68	17.74
Pretax Income	31.49	32.19	40.31	29.69	21.68	17.74
Income Tax Expense	7.27	7.24	9.46	6.79	5.34	4.06
Net Income	24.22	24.95	30.85	22.9	16.34	13.69
Net Income to Common	24.22	24.95	30.85	22.9	16.34	13.69
Net Income Growth	-2.49%	-19.13%	34.70%	40.18%	19.36%	9.59%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change (YoY)	0.43%	0.34%	0.32%	0.32%	0.49%	0.27%
EPS (Basic)	2.94	3.04	3.76	2.80	2.01	1.68
EPS (Diluted)	2.92	3.02	3.75	2.79	2.00	1.68
EPS Growth	-3.33%	-19.47%	34.41%	39.50%	19.05%	9.09%
Dividend Per Share	0.600	0.525	0.385	0.310	0.295	0.285
Dividend Growth	33.33%	36.36%	24.19%	5.08%	3.51%	3.64%
Effective Tax Rate	23.10%	22.50%	23.46%	22.86%	24.63%	22.86%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q