Ohio Valley Banc Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	79.86	73.33	64.94	54.82	42.27	42.1
Interest Income on Investments	12.76	11.91	10.83	7.04	5.34	2.61
Total Interest Income	92.62	85.24	75.76	61.87	47.62	44.71
Interest Paid on Deposits	28.88	25.41	24.64	14.17	2.13	2.98
Interest Paid on Borrowings	2.12	2.08	2.32	1.66	0.71	0.72
Total Interest Expense	30.99	27.49	26.96	15.84	2.84	3.7
Net Interest Income	61.63	57.75	48.8	46.03	44.78	41.01
Net Interest Income Growth	11.36%	18.32%	6.03%	2.79%	9.18%	2.58%
Trust Income	0.36	0.38	0.4	0.33	0.33	0.29
Mortgage Banking Activities	0.17	0.18	0.16	0.18	0.7	0.85
Gain (Loss) on Sale of Investments	-2.13	-3.75	-	-	-1.54	-1.07
Other Non-Interest Income	8.76	9.13	9.57	9.43	8.23	7.93
Total Non-Interest Income	10.29	8.97	13.17	12.63	10.16	9.86
Non-Interest Income Growth	-15.40%	-31.90%	4.29%	24.28%	3.02%	4.51%
Revenues Before Loan Losses	71.92	66.72	61.98	58.66	54.94	50.88
Provision for Loan Losses	8.58	3.05	2.47	2.09	-0.03	-0.42
Revenue	63.34	63.66	59.51	56.57	54.97	51.3
Revenue Growth	-1.36%	6.98%	5.20%	2.90%	7.17%	10.46%
Salaries and Employee Benefits	25.9	24.91	23.94	23.27	21.04	21.07
Federal Deposit Insurance	0.92	0.7	0.65	0.57	0.34	0.33
Amortization of Goodwill & Intangibles	-	-	-	0.02	0.04	0.05
Selling, General & Administrative	12.02	12.27	11.79	11.47	11.65	10.18
Other Non-Interest Expense	6.66	6.34	6.42	6.02	5.92	5.6
Total Non-Interest Expense	45.49	44.21	42.79	41.37	39.04	37.28
EBT Excluding Unusual Items	17.84	19.45	16.71	15.2	15.93	14.02
Pretax Income	17.84	19.45	13.38	15.2	15.93	14.02
Income Tax Expense	3.37	3.85	2.38	2.57	2.59	2.28
Net Income	14.47	15.6	11	12.63	13.34	11.73
Net Income to Common	14.47	15.6	11	12.63	13.34	11.73
Net Income Growth	2.21%	41.84%	-12.92%	-5.30%	13.69%	14.36%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	0.00%	-0.55%	-0.79%	0.11%	-0.24%	-0.14%
EPS (Basic)	3.07	3.31	2.32	2.65	2.80	2.45
EPS (Diluted)	3.07	3.31	2.32	2.65	2.80	2.45
EPS Growth	2.21%	42.62%	-12.23%	-5.41%	13.96%	14.52%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.960	0.910	0.880	0.870	0.840	0.840
Dividend Growth	6.67%	3.41%	1.15%	3.57%	0%	0%
Effective Tax Rate	18.89%	19.80%	17.77%	16.89%	16.28%	16.30%

SEC Filings: 10-K · 10-Q