{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-23-000007","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.450832+00:00","generated_at":"2026-06-20T08:55:35.018197+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ohio Valley Banc reports Q4 2022 net income $3.5M ($0.74 EPS), up 53% YoY; record full-year earnings","bullets":["Q4 net income $3.524M (+53%), EPS $0.74 vs $0.48; full-year net income $13.338M (+13.7%), EPS $2.80 vs $2.45.","Net interest margin expanded to 4.38% in Q4 from 3.57% a year ago; full-year margin 3.89% vs 3.61%.","Provision for loan losses $659K in Q4 vs -$301K prior year; nonperforming loans improved to 0.43% of total loans.","Noninterest income decreased $216K in Q4 due to $1.537M loss on sale of securities reinvested into higher-yielding securities.","Dividends per share $0.21 quarterly; annual payout $0.99, up from $0.84 in 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-23-000007","json":"https://secwatch.observer/filing/0000894671-23-000007.json","markdown":"https://secwatch.observer/filing/0000894671-23-000007.md","text":"https://secwatch.observer/filing/0000894671-23-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/0000894671-23-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/sec8kearngsrels123122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:55:35.018197+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"36399f164afab604470f74b0c0340d2cd97a1e2a","claim":"OHIO VALLEY BANC CORP reported the year ended December 31, 2022 results: net income $13,338,000, EPS $2.80.","evidence_excerpt":"For the year ended December 31, 2022, net income totaled $13,338,000, an increase of $1,606,000, or 13.7%, from the same period the prior year. Earnings per share were $2.80 for 2022 versus $2.45 for 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/0000894671-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$13,338,000"},{"label":"EPS","value":"$2.80"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"87e79cc2e892e4e6f75db2fb5a0f4bf864319682","claim":"OHIO VALLEY BANC CORP reported the quarter ended December 31, 2022 results: net income $3,524,000, EPS $.74.","evidence_excerpt":"reported consolidated net income for the quarter ended December 31, 2022, of $3,524,000, an increase of $1,220,000, or 53.0%, from the same period the prior year. Earnings per share for the fourth quarter of 2022 were $.74 compared to $.48 for the prior year fourth quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/0000894671-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$3,524,000"},{"label":"EPS","value":"$.74"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}