Call reports 2025
OHIO VALLEY BANK COMPANY, THE — 2025
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,499,078,000 | 1,496,347,000 | 1,554,887,000 | 1,567,392,000 |
| Total loans | 1,031,728,000 | 1,089,306,000 | 1,118,435,000 | 1,183,305,000 |
| Allowance for loan losses | 9,897,000 | 10,583,000 | 11,150,000 | 11,251,000 |
| Securities available for sale | 259,260,000 | 265,343,000 | 260,765,000 | 253,906,000 |
| Securities held to maturity | 6,532,000 | 6,494,000 | 6,475,000 | 5,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,288,806,000 | 1,281,467,000 | 1,337,242,000 | 1,334,465,000 |
| Interest-bearing deposits | 964,314,000 | 946,363,000 | 1,010,332,000 | 1,016,052,000 |
| Noninterest-bearing deposits | 324,492,000 | 335,104,000 | 326,910,000 | 318,413,000 |
| Equity capital | 148,857,000 | 153,726,000 | 157,193,000 | 162,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 19,203,000 | 39,678,000 | 60,648,000 | 82,759,000 |
| Interest expense | 6,501,000 | 12,849,000 | 19,641,000 | 26,866,000 |
| Net interest income | 12,702,000 | 26,829,000 | 41,007,000 | 55,893,000 |
| Noninterest income | 2,992,000 | 5,752,000 | 8,693,000 | 11,773,000 |
| Noninterest expense | 10,098,000 | 20,419,000 | 31,202,000 | 41,399,000 |
| Provision for loan losses | 450,000 | 1,410,000 | 2,315,000 | 2,605,000 |
| Pretax income | 5,206,000 | 10,697,000 | 14,729,000 | 19,626,000 |
| Income tax | 1,073,000 | 2,114,000 | 2,889,000 | 3,889,000 |
| Net income | 4,133,000 | 8,583,000 | 11,840,000 | 15,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,573,000 | 153,522,000 | 155,279,000 | 157,677,000 |