OHIO VALLEY BANC CORP
For the period ended Dec 31, 2024. Filed Mar 14, 2025.
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FY2024 · Filed Mar 14, 2025
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EX-13 · As of December 31, 2024
As of December 31, 2024
Table V
| (dollars in thousands) | |||||
|---|---|---|---|---|---|
| Within One Year | After One but Within Five Years | After Five but Within Fifteen Years | After Fifteen Years | Total | |
| Residential real estate loans | $107,754 | $214,385 | $48,061 | $3,334 | $373,534 |
| Commercial real estate loans | 114,391 | 227,267 | 30,511 | 818 | 372,987 |
| Commercial and industrial loans | 55,012 | 40,671 | 32,510 | 30,247 | 158,440 |
| Consumer loans (1) | 70,930 | 69,195 | 16,723 | 16 | 156,864 |
| Total loans | $348,087 | $551,518 | $127,805 | $34,415 | $1,061,825 |
| Loans maturing or repricing after one year with: | Variable Interest Rates | Fixed Interest Rates | Total |
|---|---|---|---|
| Residential real estate loans | $222,715 | $43,065 | $265,780 |
| Commercial real estate loans | 216,081 | 42,515 | 258,596 |
| Commercial and industrial loans | 16,571 | 86,857 | 103,428 |
| Consumer loans (1) | 30 | 85,904 | 85,934 |
| Total loans | $455,397 | $258,341 | $713,738 |
(1) Includes automobile, home equity and other consumer loans.
The Company will continue to sell a portion of its long-term fixed-rate loans to the secondary market even though there is no significant demand for such loans under the current rate environment. Furthermore, the Company will continue to monitor the pace of its loan volume and will remain consistent in its approach to sound underwriting practices with a focus on asset quality.
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