OHIO VALLEY BANC CORPOVBC
| Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 |
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Loans, including fees | 41 | 36 | 34 | 34 | 33 | 36 | 42 | 44 | 46 | 43 | 42 |
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Taxable | 2 | 2 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 |
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Tax exempt | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
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Dividends | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Interest-bearing deposits with banks | - | - | - | - | - | - | - | 2 | 1 | 0 | 0 |
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Other interest | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
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Total interest and dividend income | 44 | 39 | 36 | 36 | 36 | 39 | 46 | 49 | 50 | 46 | 45 |
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Deposits | 8 | 5 | 3 | 2 | 2 | 2 | 3 | 4 | 6 | 5 | 3 |
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Other borrowed funds | - | - | - | - | - | - | - | - | - | 1 | 1 |
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Subordinated debentures | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Total interest expense | 10 | 6 | 4 | 3 | 3 | 3 | 4 | 5 | 7 | 6 | 4 |
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Net interest income | 34 | 33 | 32 | 33 | 33 | 36 | 42 | 44 | 43 | 40 | 41 |
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Net interest income after provision for loan losses | 29 | 31 | 32 | 31 | 32 | 34 | 39 | 43 | 42 | 37 | 41 |
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The non-interest income earned through service charges on deposit accounts including account maintenance and analysis fees and transaction-based fees. Account maintenance and analysis fees consist primarily of account fees and analyzed account fees charged on deposit accounts on a monthly basis. | - | - | - | - | - | - | - | - | - | 2 | 2 |
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The non-interest income earned through trust fees. | - | - | - | - | - | - | - | - | - | 0 | 0 |
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The amount of income from bank owned life insurance and annuity assets. | 1 | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Mortgage banking income | - | - | - | - | - | - | - | - | - | 1 | 1 |
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Fees earned from the processing of electronic tax refund checks and electronic refund deposits | 3 | 2 | 3 | 3 | 2 | 2 | 2 | 2 | 0 | - | 1 |
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Income earned from credit and debit card services including late, over limit, and annual fees. This item excludes interest income earned on credit and debit card balances and transactions. | - | - | - | - | 2 | 3 | 3 | 4 | 4 | 4 | 5 |
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Net realized loss on sale of securities | - | - | - | - | - | - | - | - | - | - | -1 |
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The non-interest income earned from tax preparation fees. | - | - | - | - | - | - | - | - | - | 1 | 1 |
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Other | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Total noninterest income | 7 | 8 | 9 | 10 | 9 | 8 | 9 | 9 | 9 | 11 | 10 |
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Salaries and employee benefits | 17 | 17 | 18 | 18 | 17 | 19 | 21 | 22 | 24 | 22 | 22 |
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Occupancy | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
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Furniture and equipment | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Professional fees | - | - | - | - | 1 | 1 | 2 | 2 | 3 | 2 | 2 |
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Marketing expense | - | - | - | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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FDIC insurance | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
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Data processing | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
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The amount of expenses incurred in the period for software. | - | - | - | - | 1 | 1 | 1 | 2 | 2 | 1 | 2 |
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Foreclosed assets | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Amortization of intangibles | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Other | 6 | 7 | 7 | 7 | 4 | 4 | 5 | 5 | 6 | 5 | 6 |
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Total noninterest expense | 28 | 30 | 29 | 29 | 30 | 33 | 37 | 37 | 39 | 36 | 37 |
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Income before income taxes | 8 | 10 | 11 | 11 | 11 | 9 | 12 | 14 | 12 | 12 | 14 |
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Provision for income taxes | 2 | 3 | 3 | 3 | 3 | 2 | 4 | 2 | 2 | 2 | 2 |
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NET INCOME | 6 | 7 | 8 | 8 | 9 | 7 | 8 | 12 | 10 | 10 | 12 |
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Earnings per share (in dollars per share) | 1.46 | 1.75 | 2 | 1.97 | 2.08 | 1.59 | 1.6 | 2.53 | 2.08 | 2.14 | 2.45 |
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