Q2 net income $5.9M ($0.71 EPS) down 30% YoY; dividend $0.225/share

Oak Valley Bancorp

2024-Q2 EPS reported $1.41

Q2 net income $5.889M ($0.71 EPS), up from $5.727M ($0.69 EPS) prior Q, down from $8.404M ($1.02 EPS) year ago.
Net interest income $17.292M, margin 4.11% vs 4.09% prior Q; NIM down from 4.45% year ago.
Total loans $1.07B, up $119.5M YoY; deposits $1.64B, up $32.3M QoQ but down $37.6M YoY.
No non-performing assets; ACL 1.04% of loans; no provision for credit losses in Q2.
Declared $0.225/share dividend, payable Aug 9 to holders July 29, totaling ~$1.881M.

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