Ohio Valley Banc Q4 net income down 22% to $2.5M; full-year EPS $2.32 vs $2.65

OHIO VALLEY BANC CORP

Q4 net income $2.515M ($0.53 EPS) vs $3.223M ($0.68) a year ago; FY 2024 net income $10.999M ($2.32 EPS), down 12.9%.
Two one-time expenses: $3.3M voluntary early retirement program and $496k Sweet Home Ohio account bonuses.
Net interest income increased $1.755M Q4, $2.777M FY; net interest margin fell 23 bps to 3.71%.
Total assets $1.503B (+$151M), deposits +$148M, loans +$90M; nonperforming loans ratio rose to 0.46% from 0.26%.
Dividend $0.22 per share unchanged; book value $31.91 (+5.8%); ROAA 0.77% vs 0.99%.

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