The Ohio Valley Bank Company

The Ohio Valley Bank Company is headquartered in Gallipolis and is the 22^nd largest bank in the state of Ohio. It is also the 783^rd largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 246 employees at 15 locations. The Ohio Valley Bank Company has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Ohio Valley Bank Company FDIC Certificate # 384 BankRate Report View Year Established 1872 Employees 246 Primary Regulator FDIC Assets and Liabilities Assets $842.52 million Loans $555.31 million Deposits $736.97 million Equity Capital $79.55 million Loan Loss Allowance $6.45 million Unbacked Noncurrent Loans $4.63 million Real Estate Owned $4.40 million Historic Data - March 2011 Assets $863.37 million Equity Capital $75.56 million Loan Loss Allowance $7.68 million Unbacked Noncurrent Loans $4.73 million Real Estate Owned $4.51 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 1.07% Return on Equity 11.2% Interest Income $9.40 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 The Ohio Valley Bank Company had $9.03 million in non-current loans and owned real-estate with $86 million in equity and loan loss allowances on hand to cover it. This gives The Ohio Valley Bank Company a Texas Ratio of 10.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Ohio Valley Bank Company held steady from 11.11% as of March 31, 2011 to 10.50% as of March 31, 2012, resulting in a positive change of 5.47%.This indicates that the balance sheet and financial strength for The Ohio Valley Bank Company has held steady in recent periods. Deposit Growth In the past year, The Ohio Valley Bank Company has increased its total deposits by $9.25 million, resulting in 1.27% 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 The Ohio Valley Bank Company has shown is above average. 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. The Ohio Valley Bank Company has $842.52 million in assets with $86 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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