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Balance Sheet
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Income Overview
Net Income
$2,927K
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
19,998
19,404
18,363*
18,659
Taxable
2,398
2,375
2,218*
2,204
Tax exempt
26
26
28*
27
Dividends
90
88
92*
94
Interest-bearing deposits with banks
966
582
659*
563
Total interest and dividend income
23,478
22,475
21,358*
21,547
Deposits
7,533
7,031
6,763*
6,442
Other borrowed funds
426
436
421*
373
Subordinated debentures
121
120
128*
135
Total interest expense
8,080
7,587
7,311*
6,950
Net interest income
15,398
14,888
14,047*
14,597
Provision for (recovery of) credit gaines
3,755
1,622
-336*
1,112
Net interest income after provision for credit losses
11,643
13,266
14,383*
13,485
Service charges on deposit accounts
774
745
714*
823
Trust fees
89
92
100*
84
Income from bank owned life insurance and annuity assets
242
378
268*
236
Mortgage banking income
38
37
55*
45
Electronic refund check / deposit fees
0
0
472*
1
Debit / credit card interchange income
1,349
1,235
-708*
1,417
Loss on sale of available for sale securities
-
-
-90*
-1,219
Unrealized gains on equity securities
377
-
-
-
Tax preparation fees
42
608
580*
3
Other
275
193
687*
358
Total noninterest income
3,186
3,288
2,076*
1,748
Salaries and employee benefits
6,553
6,347
6,068*
6,367
Occupancy
541
524
496*
521
Furniture and equipment
338
318
302*
346
Professional fees
466
473
281*
515
Marketing expense
305
280
367*
280
Fdic insurance
241
241
184*
179
Data processing
364
911
697*
934
Software
661
673
596*
591
Other
1,776
1,534
1,414*
1,756
Total noninterest expense
11,245
11,301
10,402*
11,489
Income before income taxes
3,584
5,253
6,057*
3,744
Provision for income taxes
657
956
1,316*
714
Net income
2,927
4,297
4,741
3,030
Basic EPS
0.62
0.91
1.006
0.64
Basic Average Shares
4,711,001
4,711,001
4,711,001
4,711,001
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans, including fees
$19,998K
(11.20%↑ Y/Y)
Taxable
$2,398K
(4.49%↑ Y/Y)
Interest-bearing deposits with
banks
$966K
(51.17%↑ Y/Y)
Dividends
$90K
(-3.23%↓ Y/Y)
Tax exempt
$26K
(-7.14%↓ Y/Y)
Total interest and
dividend income
$23,478K
(11.59%↑ Y/Y)
Net interest income
$15,398K
(5.94%↑ Y/Y)
Debit / credit card
interchange income
$1,349K
(5.47%↑ Y/Y)
Service charges on
deposit accounts
$774K
(7.05%↑ Y/Y)
Unrealized gains on equity
securities
$377K
Other
$275K
(-5.17%↓ Y/Y)
Income from bank owned
life insurance and...
$242K
(-0.41%↓ Y/Y)
Trust fees
$89K
(-11.00%↓ Y/Y)
Tax preparation
fees
$42K
(10.53%↑ Y/Y)
Mortgage banking income
$38K
(-5.00%↓ Y/Y)
Total interest
expense
$8,080K
(24.23%↑ Y/Y)
Net interest income
after provision for...
$11,643K
(-13.03%↓ Y/Y)
Total noninterest
income
$3,186K
(11.87%↑ Y/Y)
Provision for (recovery
of) credit gaines
$3,755K
(227.09%↑ Y/Y)
Deposits
$7,533K
(25.80%↑ Y/Y)
Other borrowed funds
$426K
(11.52%↑ Y/Y)
Subordinated debentures
$121K
(-9.70%↓ Y/Y)
Income before income
taxes
$3,584K
(-30.89%↓ Y/Y)
Total noninterest
expense
$11,245K
(1.77%↑ Y/Y)
Net income
$2,927K
(-30.48%↓ Y/Y)
Provision for income taxes
$657K
(-32.68%↓ Y/Y)
Salaries and employee
benefits
$6,553K
(5.80%↑ Y/Y)
Other
$1,776K
(16.46%↑ Y/Y)
Software
$661K
(12.61%↑ Y/Y)
Occupancy
$541K
(9.74%↑ Y/Y)
Professional fees
$466K
(-6.80%↓ Y/Y)
Data processing
$364K
(-62.44%↓ Y/Y)
Furniture and equipment
$338K
(0.00%↑ Y/Y)
Marketing expense
$305K
(9.32%↑ Y/Y)
Fdic insurance
$241K
(46.95%↑ Y/Y)
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OHIO VALLEY BANC CORP (OVBC)
OHIO VALLEY BANC CORP (OVBC)