The Ohio Valley Bank Company in Gallipolis, Ohio (OH), WV
Overview, Financial Summary, Detailed Financial Reports, Branches

The Ohio Valley Bank Company - Overview

  • General
  • FDIC Certificate #: 384
    Status: Active
    Federal Reserve ID: 498317
    Bank Holding Company (Regulatory Top Holder): Ohio Valley Banc Corp. (RSSDID: 2012436, Location: Gallipolis, OH)
    Date Established: January 01, 1872
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 10041
    FDIC's unique #: 296
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 05, 2012
    Last Structure Change Process Date: January 05, 2012
    Last Data Update: January 05, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 420 Third Avenue, Gallipolis, OH 45631
    County: Gallia
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Point Pleasant, WV-OH (#38580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $793.4 mil
    Equity capital: $77.2 mil
    Deposits held in domestic offices: $689.5 mil
    Return on assets (ROA): 0.67% ($5.3 mil)
    Quarterly return on assets: 0.74% ($5.9 mil)
    Return on Equity (ROE): 7.29% ($5.6 mil)
    Quarterly return on equity: 7.73% ($6.0 mil)
    Net income: $5.5 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.90% ($7,140.6 mil)
    Quarterly Pretax return on assets: 1.04% ($8,251.3 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
  • 250Total employees (full-time equivalent)
  • $793,399Total assets
  • $51,587Cash and due from depository institutions
  • $38,311Interest-bearing balances
  • $108,518Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $581,285Net loans & leases
  • $7,016Loan loss allowance
  • $0Trading account assets
  • $8,929Bank premises and fixed assets
  • $4,243Other real estate owned
  • $1,696Goodwill and other intangibles
  • $793,399Life insurance assets
  • $37,141All other assets
  • $716,154Total liabilities and capital
  • $689,507Total liabilities
  • $549,908Total deposits
  • $689,507Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,548Trading liabilities
  • $0Other borrowed funds
  • $10,099Subordinated debt
  • $77,245All other liabilities
  • $77,245Total equity capital
  • $77,245Total bank equity capital
  • $0Perpetual preferred stock
  • $5,617Common stock
  • $24,226Surplus
  • $47,402Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,964Income earned, not collected on loans
  • $0Earning assets
  • $2,170Long-term assets (5+ years)
  • $728,114Average Assets, year-to-date
  • $448,554Average Assets, quarterly
  • $827,717Volatile liabilities
  • $803,213Insider loans
  • $569,301FHLB advances
  • $799,233Loans and leases held for sale
  • $20,873Unused loan commitments
  • $20,873Tier 1 (core) risk-based capital
  • $74,975Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $54,860Restructured Loans and leases
  • $6,592Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,935Total interest income
  • $8,947Total interest expense
  • $31,988Net interest income
  • $4,809Provision for loan and lease losses
  • $6,129Total noninterest income
  • $215Fiduciary activities
  • $2,013Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,901Additional noninterest income
  • $25,838Total noninterest expense
  • $15,143Salaries and employee benefits
  • $2,508Premises and equipment expense
  • $8,187Additional noninterest expense
  • $7,470Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,922Applicable income taxes
  • $5,548Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,548Net income attributable to bank
  • $0Net charge-offs
  • $5,548Cash dividends
  • $6,851Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 7.29%Return on equity (ROE)
  • 3.35%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 70.19%Credit loss provision to net charge-offs
  • 1.79%Efficiency ratio
  • 67,786Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.07%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 236.71%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 84.30%Net loans and leases to core deposits
  • 92.22%Equity capital to assets
  • 9.74%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 13.17%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $827,717Average earning assets
  • $76,119Average equity
  • $764,102Average 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
  • $44,256Managed Assets
  • 1Number of Accounts
  • $28,689Personal trust and agency accounts
  • $15,120Employee benefit-defined contribution accounts
  • $5,680Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,889Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 104Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $15,567Other retirement accounts
  • $1,287Corporate trust and agency accounts
  • $10,274Other fiduciary accounts
  • $4,006Fiduciary accounts held in foreign offices

List of branches

  • 12 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0296The Ohio Valley Bank Company420 Third Avenue, Gallipolis, OH 45631January 01, 1872Full Service Brick and Mortar
    1181586Rio Grande Branch201 N College Ave, Rio Grande, OH 45674January 17, 1970Full Service Brick and Mortar
    2181587Jackson Pike Branch3035 St Rt 160, Gallipolis, OH 45631September 20, 1976Full Service Brick and Mortar
    3269485Waverly Branch507 West Emmitt Street, Waverly, OH 45690January 01, 1891Full Service Brick and Mortar
    4269486Jackson Branch738 East Main Street, Jackson, OH 45640January 01, 1891Full Service Brick and Mortar
    6181588Second Avenue Branch236 Second Avenue, Gallipolis, OH 45631December 07, 1996Full Service Retail
    7181589Columbus Branch3700 South High Street, Suite 100, Columbus, OH 43207January 21, 1997Full Service Brick and Mortar
    9181591Eastern Avenue Branch2145 Eastern Avenue, Gallipolis, OH 45631May 20, 1998Full Service Retail
    12181594Pomeroy Branch700 West Main Street, Pomeroy, OH 45769December 11, 1998Full Service Retail
    17181597South Point Branch354 Private Dr 288 Suite 1, South Point, OH 45680November 04, 1999Full Service Retail
    22475511Holzer Medical Center Branch100 Jackson Pike, Gallipolis, OH 45631October 22, 2007Full Service Retail, Gallipolis, OH 45631September 01, 2007Full Service Cyber
  • 3 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10181592Point Pleasant Branch328 Viand Street, Point Pleasant, WV 25550July 21, 1997Full Service Brick and Mortar
    1516195Milton Branch280 East Main Street, Milton, WV 25541May 06, 1980Full Service Brick and Mortar
    21430077Walmart Huntington Branch3331 U.S. Route 60, Huntington, WV 25705July 21, 2004Full Service Retail

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