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Balance Sheet
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Income Overview
Net Income
$5,309K
EPS
$0.64
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Other income-Debit Card
-
-
-
436
Other income-Mortgage Banking
-
-
-
7
Other income-Deposit Account
440
455
457
427
Other income-Debit Card
408
444*
415
-
Other income-Mortgage Banking
11
-18*
17
-
Earnings on cash surrender value of life insurance
304
310
299
300
(loss) gain on sales and calls of available-for-sale securities
-5
-4*
-2
2
Other
794
638
787
531
Total non-interest income
1,952
1,825
1,973
1,703
Interest and fees on loans
15,071
15,160
14,881
14,316
Interest on securities
5,435
5,381
5,395
5,279
Interest on federal funds sold
258
357
346
290
Interest on deposits with banks
1,461
1,970
1,895
1,536
Total interest income
22,225
22,868
22,517
21,421
Deposits
3,401
3,411
3,320
3,267
Total interest expense
3,401
3,411
3,320
3,267
Net interest income
18,824
19,457
19,197
18,154
Provision for (reversal of) credit losses
464
865
-60
0
Net interest income after provision for (reversal of) credit losses
18,360
18,592
19,257
18,154
Salaries and employee benefits
8,562
7,539
7,857
7,693
Occupancy expenses
1,394
1,232
1,263
1,122
Data processing fees
837
819
745
723
Regulatory assessments
295
285
270
280
Other operating expenses
2,418
2,387
2,565
2,870
Total non-interest expense
13,506
12,262
12,700
12,688
Net income before provision for income taxes
6,806
8,155
8,530
7,169
Total provision for income taxes
1,497
1,820
1,837
1,581
Net income
5,309
6,335
6,693
5,588
Basic EPS
0.64
0.768
0.81
0.68
Diluted EPS
0.64
0.763
0.81
0.67
Basic Average Shares
8,258,000
8,249,140
8,247,000
8,245,000
Diluted Average Shares
8,322,000
8,305,604
8,299,000
8,285,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$15,071K
(7.73%↑ Y/Y)
Interest on securities
$5,435K
(1.14%↑ Y/Y)
Interest on deposits with
banks
$1,461K
(4.13%↑ Y/Y)
Interest on federal funds
sold
$258K
(-26.29%↓ Y/Y)
Total interest income
$22,225K
(5.25%↑ Y/Y)
Net interest income
$18,824K
(5.71%↑ Y/Y)
Other
$794K
(67.51%↑ Y/Y)
Other income-Deposit
Account
$440K
(-1.35%↓ Y/Y)
Other income-Debit
Card
$408K
(3.03%↑ Y/Y)
Earnings on cash
surrender value of life...
$304K
(5.56%↑ Y/Y)
Other
income-Mortgage Banking
$11K
Total interest
expense
$3,401K
(2.78%↑ Y/Y)
Net interest income
after provision for...
$18,360K
(3.11%↑ Y/Y)
Total non-interest
income
$1,952K
(21.02%↑ Y/Y)
Provision for (reversal
of) credit losses
$464K
(loss) gain on sales and
calls of...
-$5K
Deposits
$3,401K
(2.78%↑ Y/Y)
Net income before
provision for income taxes
$6,806K
(0.15%↑ Y/Y)
Total non-interest
expense
$13,506K
(6.99%↑ Y/Y)
Net income
$5,309K
(0.23%↑ Y/Y)
Total provision for
income taxes
$1,497K
(-0.13%↓ Y/Y)
Salaries and employee
benefits
$8,562K
(10.48%↑ Y/Y)
Other operating
expenses
$2,418K
(-11.10%↓ Y/Y)
Occupancy expenses
$1,394K
(23.69%↑ Y/Y)
Data processing fees
$837K
(12.80%↑ Y/Y)
Regulatory assessments
$295K
(3.51%↑ Y/Y)
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Oak Valley Bancorp (OVLY)
Oak Valley Bancorp (OVLY)