OHIO VALLEY BANC CORP
For the period ended Dec 31, 2025. Filed Mar 13, 2026.
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FY2025 · Filed Mar 13, 2026
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EX-13 · Table II
Table II
| (dollars in thousands) · 2025 · 2024 | ||||||
|---|---|---|---|---|---|---|
| Increase (Decrease) From Previous Year Due to | Increase (Decrease) From Previous Year Due to | |||||
| Volume | Yield/Rate | Total | Volume | Yield/Rate | Total | |
| Interest income | ||||||
| Interest-bearing balances with banks | $(1,129) | $(856) | $(1,985) | $1,365 | $202 | $1,567 |
| Securities: | ||||||
| Taxable | 1,713 | 1,379 | 3,092 | 915 | 1,329 | 2,244 |
| Tax exempt | (20) | (7) | (27) | (27) | (12) | (39) |
| Loans | 4,951 | 3,441 | 8,392 | 5,338 | 4,733 | 10,071 |
| Total interest income | 5,515 | 3,957 | 9,472 | 7,591 | 6,252 | 13,843 |
| Interest expense | ||||||
| NOW accounts | 346 | 469 | 815 | 316 | 310 | 626 |
| Savings and money market | 465 | 162 | 627 | (41) | 1,847 | 1,806 |
| Time deposits | 1,515 | (2,188) | (673) | 4,511 | 3,522 | 8,033 |
| Other borrowed money | (150) | 1 | (149) | 429 | 206 | 635 |
| Subordinated debentures | ---- | (87) | (87) | ---- | 21 | 21 |
| Total interest expense | 2,176 | (1,643) | 533 | 5,215 | 5,906 | 11,121 |
| Net interest earnings | $3,339 | $5,600 | $8,939 | $2,376 | $346 | $2,722 |
The change in interest due to volume and rate is determined as follows: Volume Variance change in volume multiplied by the previous year’s rate; Yield/Rate Variance change in rate multiplied by the previous year’s volume; Total Variance change in volume multiplied by the change in rate. The change in interest due to both volume and rate has been allocated to volume and rate changes in proportion to the relationship of the absolute dollar amounts of the change in each. The tax exempt securities and loan income is presented on an FTE basis. FTE yield assumes a 21% tax rate, net of related nondeductible interest expense.
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