•
Mar 31, 2020

Oak Valley Q1 2020 Earnings Report

Reported a decrease in net income due to an increase in provision for loan losses and a decrease in yield on earning assets.

Key Takeaways

Oak Valley Bancorp reported a net income of $2,709,000, or $0.33 per diluted share, for the first quarter of 2020. The decrease in net income compared to prior periods was primarily due to an increase in provision for loan losses and a decrease in yield on earning assets resulting from recent FOMC rate cuts.

Net income was $2,709,000, or $0.33 per diluted share.

Net interest income decreased to $10,228,000 due to rate cuts.

Total assets increased to $1.16 billion.

Non-performing assets decreased to $959,000, representing 0.08% of total assets.

Total Revenue
$11.5M
Previous year: $11.4M
+1.1%
EPS
$0.33
Previous year: $0.38
-13.2%
Net Interest Margin
3.93%
Previous year: 4.16%
-5.5%
Cash and Equivalents
$92.8M
Previous year: $93.9M
-1.2%
Free Cash Flow
$3.85M
Previous year: $8M
-51.9%
Total Assets
$1.16B
Previous year: $1.06B
+9.9%

Oak Valley

Oak Valley

Forward Guidance

The press release includes forward-looking statements about the corporation, which are subject to risks and uncertainties.