Financial insights of OVLY

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Other income-Deposit Account	1,785	-
Other income-Debit Card	1,673	-
Other income-Mortgage Banking	33	-
Earnings on cash surrender value of life insurance	1,197	1,052
Other income	-	3,451
(loss) gain on sales and calls of available-for-sale securities	-4	-
Gains on sales and calls of available-for-sale securities	-	114
Other	2,430	1,938
Total non-interest income	7,114	6,555
Interest and fees on loans	58,346	53,406
Interest on securities	21,429	20,693
Interest on federal funds sold	1,343	1,547
Interest on deposits with banks	6,804	7,248
Total interest income	87,922	82,894
Deposits	13,307	12,860
Total interest expense	13,307	12,860
Net interest income	74,615	70,034
(reversal of) provision for credit losses	-	-1,620
Provision for (reversal of) credit losses	805	-
Net interest income after provision for (reversal of) credit losses	73,810	71,654
Salaries and employee benefits	30,839	28,640
Occupancy expenses	4,744	4,610
Data processing fees	3,029	2,814
Regulatory assessments	1,120	1,090
Other operating expenses	10,542	8,863
Total non-interest expense	50,274	46,017
Net income before provision for income taxes	30,650	32,192
Total provision for income taxes	6,737	7,244
Net income	23,913	24,948

Basic EPS	2.9	3.04
Diluted EPS	2.88	3.02
Basic Average Shares	8,243,285	8,218,846
Diluted Average Shares	8,291,901	8,258,857