OHIO VALLEY BANC CORP OVBC Balance Sheet

Ohio valley banc corp (OVBC)

Balance Sheet / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Dec'10
ASSETS
Cash and noninterest-bearing deposits with banks
16,023	12,812	12,950	11,176	13,128	13,806	11,349	11,652	12,881	12,664	11,610	11,013	11,498	12,512	13,864	9,965	10,311	9,475	11,177	10,587	11,498	9,315	10,353	9,404	11,048	9,841	9,950	8,817	9,842	10,617	10,140	9,807	11,122	8,914	8,788	10,631	8,979
Interest-bearing deposits with banks
50,648	39,544	57,512	59,070	59,769	57,374	53,770	51,539	131,281	61,909	38,792	24,473	100,419	27,654	48,021	47,502	128,993	36,055	-	-	-	21,662	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest-bearing deposits with banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	52,983	41,493	104,318	-	29,323	13,240	84,556	18,503	22,947	31,157	105,530	35,034	51,707	63,916	108,982	42,716	50,501	37,335	50,772
Total cash and cash equivalents
66,671	52,356	70,462	70,246	72,897	71,180	65,119	63,191	144,162	74,573	50,402	35,486	111,917	40,166	61,885	57,467	139,304	45,530	64,160	52,080	115,816	30,977	39,676	22,644	95,604	28,344	32,897	39,974	115,372	45,651	61,847	73,723	120,104	51,630	59,289	47,966	59,751
Certificates of deposit in financial institutions
2,360	2,360	2,360	2,115	2,065	2,065	2,310	1,820	1,820	1,820	1,820	1,820	1,425	1,670	1,670	1,715	1,470	1,715	1,715	980	980	980	980	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities available for sale
112,191	105,318	111,242	107,053	110,281	102,164	104,877	100,165	105,457	101,125	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities available for sale
-	-	-	-	-	-	-	-	-	-	106,545	102,697	103,172	96,490	104,860	94,406	87,979	91,651	87,891	84,963	89,974	85,236	80,748	85,570	88,858	84,068	88,850	89,949	99,515	94,965	103,489	93,758	91,130	85,670	86,041	100,703	85,839
Securities held to maturity (estimated fair value: 2020 - $12,115; 2019 - $12,404)
11,808	12,033	13,485	13,576	15,590	15,816	17,219	17,313	17,353	17,581	18,168	18,605	18,827	18,665	19,651	19,310	19,506	19,903	21,433	21,914	22,729	22,820	22,970	22,929	22,620	22,826	23,327	23,746	23,496	23,511	23,678	24,269	22,785	22,848	21,134	21,345	22,178
Restricted investments in bank stocks
7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	7,506	6,939	6,576	6,576	6,576	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal Home Loan Bank and Federal Reserve Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,576	6,576	6,576	6,576	6,576	6,576	6,576	7,776	7,776	7,776	6,281	6,281	6,281	6,281	6,281	6,281	6,281	6,281	6,281
Total loans
775,086	772,774	780,053	776,126	780,644	777,052	782,377	781,980	768,065	769,319	777,957	756,905	738,861	734,901	721,587	602,936	585,845	585,752	585,168	592,899	594,517	594,768	586,871	587,918	574,327	566,319	556,213	551,445	551,274	558,288	562,535	564,074	572,360	598,308	614,901	623,370	641,322
Less: Allowance for loan losses
8,729	6,272	6,153	7,401	8,013	6,728	8,315	7,639	7,996	7,499	7,313	6,952	7,315	7,699	7,537	6,934	6,946	6,648	6,902	7,444	8,320	8,334	6,964	7,928	6,462	6,155	7,266	6,468	6,672	6,905	8,185	7,527	6,847	7,344	6,511	6,479	9,386
Net loans
766,357	766,502	773,900	768,725	772,631	770,324	774,062	774,341	760,069	761,820	770,644	749,953	731,546	727,202	714,050	596,002	578,899	579,104	578,266	585,455	586,197	586,434	579,907	579,990	567,865	560,164	548,947	544,977	544,602	551,383	554,350	556,547	565,513	590,964	608,390	616,891	631,936
Premises and equipment, net
20,970	19,217	17,881	17,214	15,535	14,855	13,856	13,694	13,475	13,281	13,205	13,233	13,468	12,783	12,484	10,348	10,372	10,404	10,112	9,991	9,318	9,195	9,217	9,423	9,478	9,005	9,007	8,438	8,567	8,680	8,836	8,919	9,040	9,216	9,317	9,607	9,738
Premises and equipment held for sale, net
649	653	910	471	280	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other real estate owned, net
325	540	146	203	470	430	1,332	1,328	1,343	1,574	2,219	2,436	2,049	2,129	2,616	2,046	2,179	2,358	1,624	1,590	1,501	1,525	1,749	1,723	1,422	1,354	2,798	2,925	3,371	3,667	3,234	3,292	4,430	4,256	4,022	4,327	4,403
Accrued interest receivable
2,650	2,564	2,733	2,720	2,808	2,638	2,862	2,548	2,552	2,503	2,532	2,264	2,299	2,315	2,247	1,853	1,778	1,819	1,896	1,799	1,897	1,806	1,991	1,839	1,933	1,901	2,051	2,044	2,033	2,057	2,396	2,371	2,417	2,872	2,508	2,611	2,704
Goodwill
7,319	7,319	7,371	7,371	7,371	7,371	7,371	7,371	7,371	7,371	7,371	7,371	7,371	7,801	7,052	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267	1,267
Other intangible assets, net
157	174	290	318	349	379	410	442	478	514	550	588	629	670	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Bank owned life insurance and annuity assets
30,813	30,596	29,926	29,748	29,571	29,392	29,198	29,024	28,851	28,675	26,576	29,529	29,347	29,349	29,199	28,752	28,561	28,352	26,097	25,926	25,788	25,612	25,434	25,270	25,099	24,940	24,802	24,650	24,587	25,056	24,958	24,762	24,565	23,097	20,306	20,122	-
Operating lease right-of-use asset, net
998	1,053	1,120	1,190	1,214	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Bank owned life insurance and annuity assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-19,761
Prepaid FDIC insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,034	1,079	1,336	-	1,838	2,001	2,576
Other assets
5,067	5,081	6,626	6,519	6,305	6,373	7,394	6,621	5,984	7,947	12,076	8,668	7,176	7,894	7,577	6,707	5,626	7,606	7,429	7,832	5,942	6,240	6,662	6,582	4,813	5,723	5,784	6,366	5,817	6,705	4,584	5,104	5,006	6,076	3,723	5,169	5,080
Total assets
1,035,841	1,013,272	1,045,958	1,034,975	1,044,873	1,030,493	1,033,516	1,025,364	1,096,421	1,026,290	1,019,614	980,156	1,036,732	954,640	970,230	826,449	883,517	796,285	808,466	800,373	867,985	778,668	777,177	763,813	825,535	747,368	747,506	752,112	834,908	769,223	795,954	801,372	853,874	804,177	824,116	838,290	851,514
LIABILITIES
Noninterest-bearing deposits
213,262	222,607	226,457	225,898	233,804	237,821	232,575	243,090	314,413	253,655	233,178	227,064	287,130	209,576	215,933	184,359	240,642	176,499	166,133	172,419	221,974	161,794	151,374	155,493	219,202	149,823	133,411	144,476	212,707	139,526	138,192	141,620	186,393	138,143	126,122	108,119	91,949
Noninterest-bearing deposits held for sale
-	-	8,283	7,598	8,657	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest-bearing deposits
632,617	598,864	604,150	595,371	600,691	608,883	620,320	603,245	605,095	603,069	616,003	581,128	580,773	580,876	589,850	493,956	500,363	484,247	505,331	493,869	502,434	485,036	494,197	482,164	482,758	479,054	495,422	490,081	509,665	515,538	538,507	541,559	549,720	549,743	580,380	573,435	602,832
Interest-bearing deposits held for sale
-	-	18,392	18,629	18,552	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total deposits
845,879	821,471	857,282	847,496	861,704	846,704	852,895	846,335	919,508	856,724	849,181	808,192	867,903	790,452	805,783	678,315	741,005	660,746	671,464	666,288	724,408	646,830	645,571	637,657	701,960	628,877	628,833	634,557	722,372	655,064	676,699	683,179	736,113	687,886	706,502	681,554	694,781
Securities sold under agreements to repurchase
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,012	36,680	38,107
Other borrowed funds
32,459	33,991	34,798	36,681	37,577	39,713	40,514	41,443	42,603	35,949	36,775	40,655	39,285	37,085	35,665	31,411	28,133	23,946	24,257	24,322	24,648	24,972	24,137	21,901	20,161	18,748	18,986	19,764	14,452	14,285	20,098	20,089	20,093	20,296	21,466	24,712	27,743
Subordinated debentures
8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	8,500	13,500	13,500	13,500	13,500	13,500	13,500	13,500	13,500
Operating lease liability
998	1,053	1,120	1,190	1,214	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accrued liabilities
17,509	20,078	19,057	17,188	15,526	17,702	17,768	15,858	14,599	15,756	15,196	13,822	13,393	14,075	14,494	13,427	12,248	12,623	14,290	12,378	21,153	12,150	13,006	11,382	11,497	10,824	12,141	11,150	11,030	10,554	10,019	9,793	10,389	10,652	10,550	11,039	9,255
Total liabilities
905,345	885,093	920,757	911,055	924,521	912,619	919,677	912,136	985,210	916,929	909,652	871,169	929,081	850,112	864,442	731,653	789,886	705,815	718,511	711,488	778,709	692,452	691,214	679,440	742,118	666,949	668,460	673,971	756,354	693,403	720,316	726,561	780,095	732,334	753,030	767,485	783,386
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
-	-	-	-	-	-	0	0	0	-	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	0	0	0	0
SHAREHOLDERS’ EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2020 - 5,447,185 shares issued; 2019 - 5,447,185 shares issued)
5,447	5,447	5,437	5,427	5,418	5,400	5,393	5,387	5,379	5,362	5,352	5,343	5,341	5,326	5,326	4,802	4,802	4,777	4,777	4,777	4,777	4,777	4,758	4,758	4,758	4,758	4,722	4,722	4,722	4,722	4,689	4,689	4,689	4,686	4,660	4,660	4,660
Additional paid-in capital
51,165	51,165	50,826	50,492	50,162	49,477	49,208	48,933	48,586	47,895	47,552	47,268	47,201	46,788	46,788	35,867	35,868	35,318	35,318	35,318	35,318	35,318	34,883	34,883	34,883	34,883	34,109	34,109	34,109	34,109	33,525	33,525	33,525	33,473	33,003	33,003	33,003
Retained earnings
86,748	86,751	84,257	83,121	81,042	80,844	77,982	77,230	75,073	72,694	72,781	72,112	71,354	69,117	68,073	68,585	67,749	65,782	64,748	63,971	63,632	60,873	61,308	59,427	58,944	56,241	55,208	55,000	53,911	51,094	51,184	50,923	50,212	48,435	47,914	47,868	45,960
Accumulated other comprehensive income
2,848	528	393	592	-558	-2,135	-3,032	-2,610	-2,115	-878	-11	-24	-533	-991	1,313	1,254	924	305	824	531	1,261	960	726	1,017	544	249	719	22	1,524	1,607	1,952	1,386	1,065	961	1,221	986	217
Treasury stock, at cost (659,739 shares)
15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712	15,712
Total shareholders’ equity
130,496	128,179	125,201	123,920	120,352	117,874	113,839	113,228	111,211	109,361	109,962	108,987	107,651	104,528	105,788	94,796	93,631	90,470	89,955	88,885	89,276	86,216	85,963	84,373	83,417	80,419	79,046	78,141	78,554	75,820	75,638	74,811	73,779	71,843	71,086	70,805	68,128
Total liabilities and shareholders’ equity
1,035,841	1,013,272	1,045,958	1,034,975	1,044,873	1,030,493	1,033,516	1,025,364	1,096,421	1,026,290	1,019,614	980,156	1,036,732	954,640	970,230	826,449	883,517	796,285	808,466	800,373	867,985	778,668	777,177	763,813	825,535	747,368	747,506	752,112	834,908	769,223	795,954	801,372	853,874	804,177	824,116	838,290	851,514