Oak Valley Bancorp OVLY Income Statement

Oak valley bancorp (OVLY)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Sep'10	Jun'10
INTEREST INCOME
Interest and fees on loans
35,177	34,813	34,272	33,543	32,556	31,700	31,025	30,176	29,778	29,128	28,430	27,937	27,836	27,463	26,243	24,951	23,198	22,053	22,102	22,142	22,109	22,011	21,789	21,510	21,478	21,406	21,334	21,691	21,966	22,449	22,791	23,045	23,382	23,608	24,156	24,658	0	0	0
Interest on securities
5,692	5,872	6,056	6,056	5,948	5,637	5,298	4,973	4,658	4,504	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest on securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	4,124	3,980	3,849	3,731	3,629	3,601	3,632	3,667	3,708	3,705	3,654	3,591	3,462	3,347	3,314	3,322	3,368	3,375	3,325	3,216	3,076	2,865	2,647	0	0	0
Interest on federal funds sold
233	242	205	214	205	191	175	148	122	100	81	57	41	35	28	32	36	34	33	31	32	38	37	36	31	25	29	30	30	28	27	24	31	41	34	32	0	0	0
Interest on deposits with banks
1,526	1,675	2,047	2,312	2,591	2,646	2,284	2,005	1,783	1,513	1,276	1,017	792	667	585	488	413	304	257	224	203	179	183	193	196	211	212	191	162	135	114	114	113	100	81	57	0	0	0
Total interest income
42,628	42,602	42,580	42,125	41,300	40,174	38,782	37,302	36,341	35,245	34,187	33,318	32,890	32,289	30,836	29,320	27,378	26,020	25,993	26,029	26,011	25,936	25,715	25,394	25,297	25,104	24,923	25,228	25,481	25,982	26,308	26,510	26,743	26,827	27,138	27,395	0	0	0
INTEREST EXPENSE
Deposits
1,477	1,568	1,716	1,762	1,738	1,606	1,371	1,215	1,126	1,065	982	904	825	764	709	668	632	615	617	618	625	647	675	713	767	828	905	986	1,051	1,132	1,227	1,328	1,454	1,579	1,793	2,075	0	0	0
Federal funds purchased
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	4	19	38	0	-	0	0	-	-	-
Federal funds purchased
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
FHLB advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Total interest expense
1,477	1,568	1,716	1,762	1,738	1,606	1,371	1,215	1,126	1,065	982	904	825	764	709	668	632	615	617	618	625	647	675	713	767	828	905	986	1,051	1,137	1,244	1,360	1,505	1,648	1,934	2,286	0	0	0
Net interest income
41,151	41,034	40,864	40,363	39,562	38,568	37,411	36,087	35,215	34,180	33,205	32,414	32,065	31,525	30,127	28,652	26,746	25,405	25,376	25,411	25,386	25,289	25,040	24,681	24,530	24,276	24,018	24,242	24,430	24,844	25,064	25,149	25,237	25,179	25,203	25,108	0	0	0
Provision for loan losses
995	545	890	650	555	555	245	315	350	350	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	325	200	-125	-125	-125	-2,002	-1,877	-1,877	-1,777	200	300	550	750	950	1,150	1,200	1,200	1,200	1,500	2,205	2,910	0	0	0
Net interest income after provision for loan losses
40,156	40,489	39,974	39,713	39,007	38,013	37,166	35,772	34,865	33,830	33,031	32,220	31,781	31,041	29,712	28,327	26,546	25,530	25,501	25,536	27,388	27,166	26,917	26,458	24,330	23,976	23,468	23,492	23,480	23,694	23,864	23,949	24,037	23,679	22,998	22,198	0	0	0
NON-INTEREST INCOME
Service charges on deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	1,354	1,324	1,290	1,261	1,240	1,264	1,321	1,349	1,346	1,342	1,296	1,259	1,237	1,208	1,177	1,178	1,173	1,142	1,161	1,143	1,120	1,118	1,071	0	0	0
Earnings on cash surrender value of life insurance
651	602	556	512	511	511	509	509	511	514	522	494	461	441	412	418	429	429	433	436	440	433	419	409	404	404	415	419	419	423	422	427	408	432	428	419	0	0	0
Gains on sales and calls of available-for-sale securities
29	138	137	113	119	81	0	0	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage commissions
-	-	-	-	-	-	-	-	-	-	-	-	-	204	179	156	149	148	131	165	172	157	171	171	208	229	264	268	242	239	211	184	141	103	94	82	0	0	0
Gains on sales and calls of securities
-	-	-	-	-	-	-	-	-	-	-	-	435	52	49	42	103	206	365	379	310	209	36	37	49	60	73	91	88	91	0	0	0	-	-	-	-	-	-
Gain on sale of other real estate owned
-	-	0	0	-	193	193	404	404	211	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other
1,334	1,303	1,377	1,356	1,172	1,083	1,079	1,062	2,130	2,160	2,476	2,789	2,111	2,362	2,165	2,111	2,175	2,084	2,042	1,909	1,710	1,619	1,518	1,499	1,383	1,350	1,361	1,292	1,172	1,220	1,083	1,094	1,196	1,094	1,148	1,185	0	0	0
Total non-interest income
5,056	5,047	5,024	4,886	4,655	4,712	4,673	4,812	5,837	5,976	6,026	5,827	4,847	4,413	4,129	4,017	4,117	4,107	4,235	4,210	3,981	3,764	3,488	3,414	3,305	3,280	3,323	3,247	3,102	3,148	2,930	2,903	2,911	2,751	2,790	2,759	0	0	0
NON-INTEREST EXPENSE
Salaries and employee benefits
17,597	17,400	17,321	17,076	16,672	16,287	15,690	15,136	14,517	14,110	14,217	13,908	13,821	13,564	12,877	12,504	12,089	11,717	11,696	11,640	11,389	11,120	10,602	10,257	10,148	9,978	10,046	10,058	9,977	10,008	9,808	9,702	9,567	9,325	9,213	9,006	0	0	0
Occupancy expenses
3,471	3,493	3,532	3,503	3,634	3,631	3,607	3,548	3,377	3,346	3,310	3,306	3,302	3,284	3,265	3,189	3,100	3,009	2,939	2,915	2,904	2,902	2,879	2,899	2,927	2,923	2,907	2,934	2,936	2,947	3,026	2,991	2,923	2,829	2,753	2,681	0	0	0
Data processing fees
1,954	1,907	1,833	1,784	1,738	1,707	1,676	1,647	1,630	1,560	1,412	1,448	1,479	1,604	1,735	1,666	1,584	1,466	1,418	1,391	1,363	1,336	1,363	1,355	1,328	1,307	1,228	1,180	1,155	1,128	1,102	1,073	1,035	1,016	985	968	0	0	0
Merger expenses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
OREO expenses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48	57	160	389	393	601	0	0	0
Regulatory assessments (FDIC & DBO)
190	270	342	424	436	440	448	440	462	492	520	596	630	643	643	588	549	506	469	464	453	459	478	480	480	480	474	468	464	461	458	479	561	642	789	912	0	0	0
Other operating expenses
5,851	5,777	5,593	5,497	5,399	5,313	5,258	5,148	5,104	5,057	4,901	4,966	5,103	5,220	6,862	6,810	6,441	5,977	4,321	4,246	4,343	4,417	4,327	4,164	4,017	3,972	3,865	3,790	3,777	3,702	3,551	3,372	3,216	3,191	3,187	3,260	0	0	0
Total non-interest expense
29,063	28,847	28,621	28,284	27,879	27,378	26,679	25,919	25,090	24,565	24,360	24,224	24,335	24,315	25,382	24,757	23,763	22,675	20,843	20,656	20,452	20,234	19,650	19,156	18,901	18,660	18,503	18,412	18,290	18,248	17,994	17,675	17,464	17,393	17,323	17,431	0	0	0
Net income before provision for income taxes
16,149	16,689	16,377	16,315	15,783	15,347	15,160	14,665	15,612	15,241	14,697	13,823	12,293	11,139	8,459	7,587	6,900	6,962	8,893	9,090	10,917	10,696	10,755	10,716	8,734	8,596	8,288	8,327	8,291	8,595	8,799	9,177	9,484	9,036	8,466	7,526	0	0	0
Total provision for income taxes
4,055	4,200	4,100	4,104	3,944	3,810	5,013	5,215	5,923	6,147	4,870	4,534	3,930	3,474	2,626	2,302	2,009	2,054	2,833	2,877	3,677	3,574	3,567	3,558	2,739	2,710	2,620	2,685	2,672	2,814	3,011	3,118	3,328	3,176	2,961	2,732	0	0	0
Net Income
12,094	12,489	12,277	12,211	11,839	11,537	10,147	9,450	9,689	9,094	9,827	9,289	8,363	7,665	5,833	5,285	4,891	4,908	6,060	6,213	7,240	7,122	7,187	7,157	5,994	5,886	5,667	5,641	5,619	5,780	5,788	6,058	6,156	5,860	5,504	0	0	0	-
NET INCOME
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Preferred stock dividends
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	68	151	236	350	451	536	1,023	1,119	1,161	1,202	841	0	0	0
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,818	5,515	5,405	5,268	5,328	5,252	5,035	5,036	4,699	4,301	3,952	0	0	0
Net income per share (in dollars per share)
0.33	0.39	0.40	0.37	0.38	0.37	0.39	0.32	0.35	0.20	0.31	0.35	0.27	0.28	0.24	0.24	0.19	0.06	0.17	0.19	0.19	0.21	0.19	0.32	0.18	0.22	0.19	0.18	0.16	-	-	-	-	-	-	-	-	-	-
NET INCOME PER COMMON SHARE (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.18	0.16	0.17	0.18	0.15	0.16	0.12	0.12	0.11
Net income per diluted share (in dollars per share)
0.33	0.39	0.40	0.37	0.38	0.36	0.39	0.32	0.35	0.20	0.31	0.35	0.27	0.28	0.24	0.24	0.19	0.06	0.17	0.19	0.19	0.20	0.19	0.32	0.18	0.21	0.19	0.18	0.16	0.18	0.18	0.16	0.17	0.18	0.15	0.16	0.12	0.12	0.11
Deposit Account [Member]
Other income
1,613	1,619	1,634	1,607	1,572	1,549	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Debit Card [Member]
Other income
1,318	1,297	1,251	1,204	1,181	1,185	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage Banking [Member]
Other income
111	88	69	94	100	110	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-