Financial insights of OVLY

MyFinsight

For the quarter ending 2026-03-31.

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

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.