OVLY— Oak Valley Bancorp

FinancialsState Commercial Banks$281M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Interest and fees on loans	$58.3M+9.2%	$53.4M+19.3%	$44.8M+15.1%	$38.9M
Interest on securities	$21.4M+3.6%	$20.7M+0.6%	$20.6M+45.4%	$14.2M
Interest on federal funds sold	$1.3M-13.2%	$1.5M+9.4%	$1.4M+240.7%	$415K
Interest on deposits with banks	$6.8M-6.1%	$7.2M-47.9%	$13.9M+79.6%	$7.7M
Total interest income	$87.9M+6.1%	$82.9M+2.8%	$80.7M+31.8%	$61.2M
Deposits	$13.3M+3.5%	$12.9M+164.4%	$4.9M+334.6%	$1.1M
Total interest expense	$13.3M+3.5%	$12.9M+164.4%	$4.9M+334.7%	$1.1M
Net interest income	$74.6M+6.5%	$70.0M-7.6%	$75.8M+26.2%	$60.1M
Provision for (reversal of) credit losses	$805K+149.7%	-$1.6M	—	-$1.4M
Net interest income after provision for (reversal of) credit losses	$73.8M+3.0%	$71.7M-4.2%	$74.8M+21.8%	$61.4M
Earnings on cash surrender value of life insurance	$1.2M+13.8%	$1.1M+33.5%	$788K+5.2%	$749K
(Loss) gain on sales and calls of available-for-sale securities	-$4K-103.5%	$114K	—	—
Other	$2.4M+25.4%	$1.9M-6.9%	$2.1M+46.7%	$1.4M
Total non-interest income	$7.1M+8.5%	$6.6M-1.1%	$6.6M+19.0%	$5.6M
Salaries and employee benefits	$30.8M+7.7%	$28.6M+9.7%	$26.1M+13.3%	$23.0M
Occupancy expenses	$4.7M+2.9%	$4.6M+1.5%	$4.5M+9.4%	$4.2M
Data processing fees	$3.0M+7.6%	$2.8M+3.1%	$2.7M+16.5%	$2.3M
Regulatory assessments	$1.1M+2.8%	$1.1M+6.9%	$1.0M+10.0%	$927K
Other operating expenses	$10.5M+18.9%	$8.9M+31.1%	$6.8M-1.2%	$6.8M
Total non-interest expense	$50.3M+9.3%	$46.0M+11.8%	$41.2M+10.3%	$37.3M
Net income before provision for income taxes	$30.6M-4.8%	$32.2M-20.1%	$40.3M+35.8%	$29.7M
Total provision for income taxes	$6.7M-7.0%	$7.2M-23.4%	$9.5M+39.4%	$6.8M
Net Income	$23.9M-4.1%	$24.9M-19.1%	$30.8M+34.7%	$22.9M
Net income per share (in dollars per share)	$2900.00-4.6%	$3040.00-19.1%	$3760.00+34.3%	$2800.00
Net income per diluted share (in dollars per share)	$2880.00-4.6%	$3020.00-19.5%	$3750.00+34.4%	$2790.00
Deposit Account [Member]
Other income	$1.8M+2.7%	$1.7M-4.1%	$1.8M+4.6%	$1.7M
Debit Card [Member]
Mortgage Banking [Member]

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.