The latest financial statement is for the year ending 2025-12-31.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 15,601 |
| Provision for credit losses | 3,054 |
| Depreciation of premises and equipment | 1,657 |
| Accretion of building grant | 3 |
| Net amortization (accretion) of purchase accounting adjustments | 2 |
| Net amortization (accretion) of securities | 1,343 |
| Net realized loss on sale of securities | -3,747 |
| Proceeds from sale of loans in secondary market | 1,672 |
| Loans disbursed for sale in secondary market | 1,651 |
| Amortization of mortgage servicing rights | 47 |
| Gain on sale of loans | 229 |
| Accretion of purchased loan discount | -1,648 |
| Amortization of intangible assets | 0 |
| Deferred tax (benefit) expense | -841 |
| Contribution of common stock to esop | 0 |
| Income from bank owned life insurance and annuity assets | 986 |
| Change in accrued interest receivable | 671 |
| Change in other liabilities | -561 |
| Change in other assets | -242 |
| Net cash provided by operating activities | 18,085 |
| Proceeds from sales of securities available for sale | 33,201 |
| Proceeds from maturities and paydowns of securities available for sale | 132,961 |
| Purchases of securities available for sale | 143,285 |
| Proceeds from calls and maturities of securities held to maturity | 1,583 |
| Purchases of restricted investments in bank stocks | 251 |
| Redemptions of restricted investments in bank stocks | 0 |
| Net change in loans | 133,706 |
| Purchases of premises and equipment | 1,037 |
| Disposals of premises and equipment | 200 |
| Purchases of bank owned life insurance and annuity assets | 500 |
| Withdrawals from bank owned life insurance and annuity assets | 229 |
| Net cash (used in) investing activities | -110,605 |
| Change in deposits | 54,489 |
| Cash dividends | 4,287 |
| Purchases of treasury stock | 0 |
| Proceeds from federal home loan bank borrowings | 10,000 |
| Repayment of federal home loan bank borrowings | 4,992 |
| Change in other short-term borrowings | 100 |
| Net cash provided by financing activities | 55,310 |
| Change in cash and cash equivalents | -37,210 |
| Cash and cash equivalents at beginning of year | 83,107 |
| Cash and cash equivalents at end of year | 45,897 |
OHIO VALLEY BANC CORP (OVBC)
OHIO VALLEY BANC CORP (OVBC)