Ohio Valley Financial Group in Henderson, Kentucky (KY), IN



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Ohio Valley Financial Group routing number info

Table of contents:
Ohio Valley Financial Group
GeneralFDIC 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
LocationAddress: 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 ChangesName Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)83
Total assets$242,499
Cash and due from depository institutions$12,834
Interest-bearing balances$3,825
Securities$28,266
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$184,620
Loan loss allowance $2,863
Trading account assets$0
Bank premises and fixed assets$7,288
Other real estate owned$0
Goodwill and other intangibles$582
All other assets$8,909
Life insurance assets$242,499
Total liabilities and capital$217,893
Total liabilities$190,539
Total deposits$149,736
Interest-bearing deposits$190,539
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$25,097
Other borrowed funds $0
Subordinated debt $2,257
All other liabilities $24,606
Total equity capital$24,606
Total bank equity capital$24,606
Perpetual preferred stock$0
Common stock$2,500
Surplus$2,500
Undivided profits $19,606
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,440
Income earned, not collected on loans $831
Earning assets $0
Long-term assets (5+ years) $888
Average Assets, year-to-date $216,711
Average Assets, quarterly $67,720
Volatile liabilities $241,884
Insider loans $239,061
FHLB advances $193,100
Loans and leases held for sale $242,279
Unused loan commitments $5,351
Tier 1 (core) risk-based capital $5,351
Tier 2 risk-based capital $23,167
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $25,711
Derivatives$5,259
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,713
Total interest expense $1,743
Net interest income $9,970
Provision for loan and lease losses $600
Total noninterest income $4,148
Fiduciary activities $1,801
Service charges on deposit accounts $926
Trading account gains & fees $0
Additional noninterest income $1,421
Total noninterest expense $9,325
Salaries and employee benefits $5,650
Premises and equipment expense $1,549
Additional noninterest expense $2,126
Pre-tax net operating income $4,193
Securities gains (losses) $40
Applicable income taxes $0
Income before extraordinary items $4,233
Extraordinary gains - net $0
Net income attributable to bank $4,233
Net charge-offs $0
Cash dividends $4,233
Sale, conversion, retirement of capital stock, net $43
Net operating income $1,560
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 0.80%
Net interest margin 4.57%
Noninterest income to earning assets 1.90%
Noninterest expense to earning assets 4.28%
Net operating income to assets 1.73%
Return on assets (ROA) 1.75%
Pretax return on assets 1.75%
Return on equity (ROE) 18.33%
Retained earnings to average equity (YTD only) 11.58%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 1395.35%
Efficiency ratio111.47%
Assets per employee$66,050
Cash dividends to net income (YTD only)2.92%
Condition Ratios (%)
Loss allowance to loans 36.85%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 344.52%
Noncurrent loans to loans 0.34%
Net loans and leases to deposits0.44%
Net loans and leases to core deposits 96.89%
Equity capital to assets 101.83%
Core capital (leverage) ratio 10.15%
Tier 1 risk-based capital ratio 9.56%
Total risk-based capital ratio 12.00%
Memoranda
Average assets$13
Average earning assets$241,884
Average equity $23,089
Average loans $218,087
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$315,190
Number of Accounts1
Personal trust and agency accounts$304,095
Employee benefit-defined contribution accounts$33,480
Employee benefit-defined benefit accounts$30,765
Other retirement accounts$68,351
Corporate trust and agency accounts$42,030
Investment management agency accounts$272
Other fiduciary accounts$90,448
Fiduciary accounts held in foreign offices$29,149
Non-managed Assets$9,600
Number of Accounts553
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$42,030
Employee benefit-defined benefit accounts$0
Other retirement accounts$11,095
Corporate trust and agency accounts$18
Other fiduciary accounts$3,652
Fiduciary accounts held in foreign offices$1,924
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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
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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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