Ohio Valley Financial Group

Ohio Valley Financial Group is headquartered in Henderson and is the 53^rd largest bank in the state of Kentucky. It is also the 2,614^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 84 employees at 4 locations. Ohio Valley Financial Group has a 4-star health rating.

Data for Q1 2012

Institution Statistics Ohio Valley Financial Group FDIC Certificate # 13838 BankRate Report View Year Established 1934 Employees 84 Primary Regulator FED Assets and Liabilities Assets $245.93 million Loans $182.04 million Deposits $201.01 million Equity Capital $23.50 million Loan Loss Allowance $2.89 million Unbacked Noncurrent Loans $693,000 Historic Data - March 2011 Assets $247.93 million Equity Capital $22.05 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $763,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 1.91% Return on Equity 19.36% Interest Income $2.94 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Ohio Valley Financial Group had $693,000 in non-current loans and owned real-estate with $26.39 million in equity and loan loss allowances on hand to cover it. This gives Ohio Valley Financial Group a Texas Ratio of 2.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ohio Valley Financial Group decreased slightly from 3.11% as of March 31, 2011 to 2.63% as of March 31, 2012, resulting in a positive change of 15.60%.This indicates that the balance sheet and financial strength for Ohio Valley Financial Group has improved slightly in recent periods. Deposit Growth In the past year, Ohio Valley Financial Group has decreased its total deposits by -$21.69 million, resulting in -9.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ohio Valley Financial Group has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ohio Valley Financial Group has $245.93 million in assets with $26.39 million in equity, resulting in a capitalization level of 10.73%, which is above average.

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