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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	57.15	53.41	44.77	38.89	43.77	39.95
Interest Income on Investments	29.42	29.49	35.89	22.31	6.04	6.16
Total Interest Income	86.57	82.89	80.67	61.2	49.81	46.11
Interest Paid on Deposits	13.56	12.86	4.86	1.12	0.97	1.12
Interest Paid on Borrowings	-	-	0	-	-	0.03
Total Interest Expense	13.56	12.86	4.86	1.12	0.97	1.15
Net Interest Income	73	70.03	75.8	60.08	48.84	44.96
Net Interest Income Growth (YoY)	4.14%	-7.61%	26.18%	23.02%	8.63%	9.56%
Mortgage Banking Activities	0.04	0.03	0.02	0.07	0.15	0.13
Gain (Loss) on Sale of Investments	-	0.11	0.16	-	0.15	0
Other Non-Interest Income	4.92	4.73	4.64	3.9	3.83	3.38
Total Non-Interest Income	6.72	6.56	6.63	5.57	5.43	4.82
Non-Interest Income Growth (YoY)	-2.34%	-1.15%	19.03%	2.67%	12.69%	-4.60%
Revenues Before Loan Losses	79.72	76.59	82.43	65.65	54.26	49.77
Provision for Loan Losses	-0.06	-1.62	0.97	-1.35	-0.64	2.17
Revenue	79.78	78.21	81.46	67	54.9	47.61
Revenue Growth (YoY)	2.98%	-3.99%	21.59%	22.04%	15.31%	4.55%
Salaries and Employee Benefits	29.38	27.8	25.58	22.42	19.63	17.42
Occupancy Expenses	3.15	3.07	3.02	2.86	2.74	2.51
Federal Deposit Insurance	1.14	1.09	1.02	0.93	0.65	0.32
Selling, General & Administrative	5.33	5.2	4.79	4.26	3.93	3.75
Other Non-Interest Expense	10.57	8.86	6.76	6.84	6.27	5.86
Total Non-Interest Expense	49.56	46.02	41.16	37.31	33.22	29.86
EBT Excluding Unusual Items	30.22	32.19	40.31	29.69	21.68	17.74
Pretax Income	30.22	32.19	40.31	29.69	21.68	17.74
Income Tax Expense	6.64	7.24	9.46	6.79	5.34	4.06
Net Income	23.59	24.95	30.85	22.9	16.34	13.69
Net Income to Common	23.59	24.95	30.85	22.9	16.34	13.69
Net Income Growth	-4.91%	-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)	0.46%	0.34%	0.32%	0.32%	0.49%	0.27%
EPS (Basic)	2.86	3.04	3.76	2.80	2.01	1.68
EPS (Diluted)	2.84	3.02	3.75	2.79	2.00	1.68
EPS Growth	-5.65%	-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	21.96%	22.50%	23.46%	22.86%	24.63%	22.86%

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

SEC Filings: 10-K · 10-Q