Oak Valley Bancorp Q1 net income $2.37M ($0.29 EPS), down 46% YoY from $0.53 EPS

Oak Valley Bancorp

2022-Q1 EPS reported $0.29

Net income $2.37M ($0.29 diluted EPS) vs $4.36M ($0.53) a year ago; sequential decline from $3.47M ($0.42).
Net interest margin compressed to 2.51% from 3.43% YoY; PPP loan fee income fell to $487K from $2.59M.
Total assets $1.95B, deposits $1.80B; non-performing assets remain at zero.
No provision for loan losses in Q1; allowance for loan losses at 1.25% of gross loans.
Loan growth ex-PPP of $47.2M and investment portfolio growth of $133.5M over 12 months.

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