| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 5,309 | 6,335 | 6,693 | 10,885 |
| Provision for (reversal of) credit losses | 464 | 865 | -60 | 0 |
| Increase in deferred fees/costs, net | 114 | -109 | 44 | -315 |
| Depreciation | 391 | 387 | 334 | 659 |
| Amortization of investment securities, net | 211 | 183 | 226 | 399 |
| Unrealized (gain) loss on equity securities | -22 | 26 | 43 | 64 |
| Amortization of operating lease right-of-use asset | 59 | 60 | 63 | 118 |
| Stock based compensation | 252 | 238 | 231 | 435 |
| Loss (gain) on sales and calls of available-for-sale securities | -5 | -4 | -2 | 2 |
| Earnings on cash surrender value of life insurance | 304 | 311 | 299 | 587 |
| Decrease (increase) in deferred tax asset | -1,649 | 1,124 | 3,405 | -2,605 |
| Gain on boli death benefit | NaN | -18 | 207 | NaN |
| (decrease) increase in interest payable and other liabilities | 949 | -404 | 252 | -7 |
| Increase in interest receivable | -406 | -66 | 297 | 89 |
| Decrease in other assets | -2,174 | 551 | 2,992 | -4,331 |
| Purchase of fhlb stock | NaN | 0 | 0 | 776 |
| Net cash provided by operating activities | 8,057 | 7,977 | 7,138 | 13,552 |
| Purchases of available-for-sale securities | 29,671 | 23,823 | 35,564 | 0 |
| Purchases of equity securities | 32 | 33 | 30 | 59 |
| Proceeds from the sale of available-for-sale securities | NaN | 0 | 0 | 0 |
| Proceeds from maturities, calls, and principal paydowns of available-for-sale securities | 12,364 | 15,197 | 19,538 | 13,943 |
| Investment in lihtc | 204 | 793 | 2,032 | 3,242 |
| Net increase in loans | 3,457 | 31,004 | 2,923 | 3,350 |
| Purchase of boli policies | 2,000 | 0 | 0 | 0 |
| Proceeds from redemption of boli policies | NaN | -22 | 1,876 | NaN |
| Purchases of premises and equipment | 212 | 555 | 790 | 2,763 |
| Net cash used in investing activities | -23,212 | -41,033 | -19,925 | 3,753 |
| Federal funds advances | NaN | 35 | NaN | NaN |
| Federal funds payments | NaN | 35 | NaN | NaN |
| Shareholder cash dividends paid | 3,146 | 0 | 2,515 | 2,507 |
| Net increase in demand deposits and savings accounts | -19,919 | 8,387 | 61,444 | 5,766 |
| Net increase in time deposits | 7,953 | 9,693 | 2,197 | 9,785 |
| Tax withholding payments on vested restricted shares surrendered | 309 | 0 | 44 | 240 |
| Net cash provided by in financing activities | -15,421 | 18,080 | 61,082 | 12,804 |
| Net increase (decrease) in cash and cash equivalents | -30,576 | -14,976 | 48,295 | 30,109 |
| Cash and cash equivalents, beginning of period | 232,179 | 247,155 | 168,751 | NaN |
| Cash and cash equivalents, end of period | 201,603 | 232,179 | 247,155 | NaN |
Oak Valley Bancorp (OVLY)
Oak Valley Bancorp (OVLY)