Ohio Valley Financial Group in Henderson, Kentucky (KY), IN
Overview, Financial Summary, Detailed Financial Reports, Branches


Ohio Valley Financial Group - Overview

  • General
  • FDIC Certificate #: 13838
    Status: Active
    Federal Reserve ID: 618740
    Bank Holding Company (Regulatory Top Holder): Ohio Valley Bancorp, Inc. (RSSDID: 1097221, Location: Henderson, KY)
    Date Established: Febuary 02, 1934
    WWW: http://www.ohiovalleyfg.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: Yes)
    OTS Docket #: 11436
    FDIC's unique #: 8651
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 05, 1934
    Last Structure Change Effective Date: January 01, 2008
    Last Structure Change Process Date: January 29, 2008
    Last Data Update: January 29, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 140 North Main Street, Henderson, KY 42420
    County: Henderson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
    Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $242.5 mil
    Equity capital: $24.6 mil
    Deposits held in domestic offices: $190.5 mil
    Return on assets (ROA): 1.75% ($4.2 mil)
    Quarterly return on assets: 1.76% ($4.3 mil)
    Return on Equity (ROE): 18.33% ($4.6 mil)
    Quarterly return on equity: 17.31% ($4.3 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.75% ($4,243.7 mil)
    Quarterly Pretax return on assets: 1.76% ($4,268.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 83Total employees (full-time equivalent)
  • $242,499Total assets
  • $12,834Cash and due from depository institutions
  • $3,825Interest-bearing balances
  • $28,266Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $184,620Net loans & leases
  • $2,863Loan loss allowance
  • $0Trading account assets
  • $7,288Bank premises and fixed assets
  • $0Other real estate owned
  • $582Goodwill and other intangibles
  • $242,499Life insurance assets
  • $8,909All other assets
  • $217,893Total liabilities and capital
  • $190,539Total liabilities
  • $149,736Total deposits
  • $190,539Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,097Trading liabilities
  • $0Other borrowed funds
  • $2,257Subordinated debt
  • $24,606All other liabilities
  • $24,606Total equity capital
  • $24,606Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $2,500Surplus
  • $19,606Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,440Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $831Income earned, not collected on loans
  • $0Earning assets
  • $888Long-term assets (5+ years)
  • $216,711Average Assets, year-to-date
  • $67,720Average Assets, quarterly
  • $241,884Volatile liabilities
  • $239,061Insider loans
  • $193,100FHLB advances
  • $242,279Loans and leases held for sale
  • $5,351Unused loan commitments
  • $5,351Tier 1 (core) risk-based capital
  • $23,167Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,711Restructured Loans and leases
  • $5,259Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,713Total interest income
  • $1,743Total interest expense
  • $9,970Net interest income
  • $600Provision for loan and lease losses
  • $4,148Total noninterest income
  • $1,801Fiduciary activities
  • $926Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,421Additional noninterest income
  • $9,325Total noninterest expense
  • $5,650Salaries and employee benefits
  • $1,549Premises and equipment expense
  • $2,126Additional noninterest expense
  • $4,193Pre-tax net operating income
  • $40Securities gains (losses)
  • $0Applicable income taxes
  • $4,233Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,233Net income attributable to bank
  • $0Net charge-offs
  • $4,233Cash dividends
  • $43Sale, conversion, retirement of capital stock, net
  • $1,560Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.57%Net interest margin
  • 1.90%Noninterest income to earning assets
  • 4.28%Noninterest expense to earning assets
  • 1.73%Net operating income to assets
  • 1.75%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 18.33%Return on equity (ROE)
  • 11.58%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1395.35%Credit loss provision to net charge-offs
  • 111.47%Efficiency ratio
  • 66,050Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.85%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 344.52%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 96.89%Net loans and leases to core deposits
  • 101.83%Equity capital to assets
  • 10.15%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 12.00%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $241,884Average earning assets
  • $23,089Average equity
  • $218,087Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $315,190Managed Assets
  • 1Number of Accounts
  • $304,095Personal trust and agency accounts
  • $33,480Employee benefit-defined contribution accounts
  • $30,765Employee benefit-defined benefit accounts
  • $68,351Other retirement accounts
  • $42,030Corporate trust and agency accounts
  • $272Investment management agency accounts
  • $90,448Other fiduciary accounts
  • $29,149Fiduciary accounts held in foreign offices
  • $9,600Non-managed Assets
  • 553Number of Accounts
  • $0Personal trust and agency accounts
  • $42,030Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,095Other retirement accounts
  • $18Corporate trust and agency accounts
  • $3,652Other fiduciary accounts
  • $1,924Fiduciary accounts held in foreign offices

List of branches

  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5517814Eagle Crest Branch7516 Eagle Crest Blvd, Suite E, Evansville, IN 47715March 01, 2011Full Service Brick and Mortar
  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08651Ohio Valley Financial Group140 North Main Street, Henderson, KY 42420Febuary 02, 1934Full Service Brick and Mortar
    1230323Old Orchard Branch400 Barret Boulevard, Henderson, KY 42420June 16, 1975Full Service Brick and Mortar
    2230324Eastgate Branch1716 Second Street, Henderson, KY 42420Febuary 18, 1980Full Service Brick and Mortar

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