Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	70.2	64.94	54.82	42.27	42.1	43.2
Interest Income on Investments	12.21	10.83	7.04	5.34	2.61	2.97
Total Interest Income	82.41	75.76	61.87	47.62	44.71	46.17
Interest Paid on Deposits	24.96	24.64	14.17	2.13	2.98	5.25
Interest Paid on Borrowings	2.11	2.32	1.66	0.71	0.72	0.94
Total Interest Expense	27.07	26.96	15.84	2.84	3.7	6.19
Net Interest Income	55.34	48.8	46.03	44.78	41.01	39.98
Net Interest Income Growth (YoY)	17.63%	6.03%	2.79%	9.18%	2.58%	-7.13%
Trust Income	0.39	0.4	0.33	0.33	0.29	0.26
Mortgage Banking Activities	0.17	0.16	0.18	0.7	0.85	1.25
Gain (Loss) on Sale of Investments	-1.22	-	-	-1.54	-1.07	-
Other Non-Interest Income	9.79	9.57	9.43	8.23	7.93	6.28
Total Non-Interest Income	12.16	13.17	12.63	10.16	9.86	9.44
Non-Interest Income Growth (YoY)	-5.22%	4.29%	24.28%	3.02%	4.51%	2.97%
Revenues Before Loan Losses	67.5	61.98	58.66	54.94	50.88	49.42
Provision for Loan Losses	3.29	2.47	2.09	-0.03	-0.42	2.98
Revenue	64.21	59.51	56.57	54.97	51.3	46.44
Revenue Growth (YoY)	11.98%	5.20%	2.90%	7.17%	10.46%	-9.33%
Salaries and Employee Benefits	26.91	27.28	23.27	21.04	21.07	21.02
Federal Deposit Insurance	0.71	0.65	0.57	0.34	0.33	0.17
Amortization of Goodwill & Intangibles	0.01	0.01	0.02	0.04	0.05	0.06
Selling, General & Administrative	12.48	11.79	11.47	11.65	10.18	9.28
Other Non-Interest Expense	6.56	6.4	6.02	5.92	5.6	5.47
Total Non-Interest Expense	46.66	46.13	41.37	39.04	37.28	36.13
EBT Excluding Unusual Items	17.55	13.38	15.2	15.93	14.02	10.31
Legal Settlements	-	-	-	-	-	2
Pretax Income	17.55	13.38	15.2	15.93	14.02	12.31
Income Tax Expense	3.39	2.38	2.57	2.59	2.28	2.05
Net Income	14.16	11	12.63	13.34	11.73	10.26
Net Income to Common	14.16	11	12.63	13.34	11.73	10.26
Net Income Growth	20.96%	-12.92%	-5.30%	13.69%	14.36%	3.55%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	-0.87%	-0.79%	0.11%	-0.24%	-0.14%	0.42%
EPS (Basic)	3.01	2.32	2.65	2.80	2.45	2.14
EPS (Diluted)	3.01	2.32	2.65	2.80	2.45	2.14
EPS Growth	22.03%	-12.23%	-5.41%	13.96%	14.52%	3.12%
Dividend Per Share	0.900	0.880	0.870	0.840	0.840	0.840
Dividend Growth	2.27%	1.15%	3.57%	-	-	-
Effective Tax Rate	19.31%	17.77%	16.89%	16.28%	16.30%	16.64%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q