What changed in this filing

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Item 2. Properties

2022-03-17 compared with 2021-03-24 · 22 added, 20 removed, 7 unchanged (86% of the section changed)

1 unchanged sentence

The principal executive offices of Ohio Valley and the Bank are located at 420 Third Avenue, Gallipolis, Ohio.

The Bank owns twelve financial service centers located in Gallipolis and Rio Grande

(Gallia Co.), Jackson, Oak Hill and Wellston (Jackson Co.), and Waverly (Pike Co.) in Ohio;

and Point Pleasant and Mason (Mason Co.), and Milton and Barboursville (Cabell Co.) in West Virginia.

The Bank leases three additional financial service

centers located in Gallipolis (Gallia Co.) and Athens (Athens Co.) in Ohio.

The Bank also owns and operates thirty-five ATMs, including twenty off-site ATMs.

Furthermore, the Bank owns four facilities in Gallipolis (Gallia Co.), Ohio, which are used

for additional office space.

The Bank also owns a facility in Gallipolis (Gallia Co.) in Ohio which is leased to a third party.

Loan Central conducts its consumer finance operations through six offices located in Gallipolis (Gallia Co.), Jackson (Jackson Co.), Waverly (Pike Co.), South Point (Lawrence Co.), Wheelersburg

(Scioto Co.) and Chillicothe (Ross Co.), all in Ohio.

All of these facilities are leased by Loan Central, except for the Gallipolis (Gallia Co.), Jackson (Jackson Co.) and Wheelersburg (Scioto Co.) facilities.

Loan Central leases a portion of its

Gallipolis (Gallia Co.) and Wheelersburg (Scioto Co.) facilities to third parties.

The Bank owns twelve

financial service centers located in Gallipolis and Rio Grande (Gallia Co.), Jackson, Oak Hill, and Wellston (Jackson Co.), and Waverly (Pike Co.) in Ohio;

and Point Pleasant and Mason (Mason Co.), and Milton and Barboursville (Cabell Co.) in West

The Bank leases four additional financial service centers located in Gallipolis (Gallia Co.) and Athens (Athens Co.) in Ohio;

and Point Pleasant (Mason Co.) in West Virginia.

The Bank also owns and operates thirty-six ATMs, including twenty

off-site ATMs.

Furthermore, the Bank owns four facilities in Gallipolis (Gallia Co.), Ohio, which are used for additional office space.

The Bank also owns a facility in Gallipolis (Gallia Co.) in Ohio;

and a facility in Point Pleasant (Mason Co.)

in West Virginia, which are all leased to third parties.

Loan Central conducts its consumer finance operations through six offices located in Gallipolis (Gallia Co.), Jackson (Jackson Co.),

Waverly (Pike Co.), South Point (Lawrence Co.), Wheelersburg (Scioto Co.) and Chillicothe (Ross Co.), all in Ohio.

All of these facilities are leased by Loan Central, except for the Gallipolis (Gallia Co.), Jackson (Jackson Co.) and Wheelersburg

(Scioto Co.) facilities.

Loan Central leases a portion of its Gallipolis (Gallia Co.) and Wheelersburg (Scioto Co.) facilities to third parties.

Management considers all of these properties to be satisfactory for the Company’s current operations.

The Bank and Loan Centrals’ leased facilities are all subject to commercially standard leasing

arrangements.

Information concerning the value of the Company’s owned and leased real property and a summary of future lease payments is contained in “Note D – Premises and Equipment” and “Note E – Leases” of the

notes to the Company’s consoldiated financial statements for the fiscal year ended December 31, 2020, located in Ohio Valley’s 2020 Annual Report to Shareholders.

The Bank and Loan Centrals’

leased facilities are all subject to commercially standard leasing arrangements.

Information concerning the value of the Company’s owned and leased real property and a summary of future lease payments is contained in

“Note D – Premises and Equipment” and “Note E – Leases” of the notes to the Company’s consoldiated financial statements for the fiscal year ended December 31, 2021, located in Ohio Valley’s 2021 Annual Report to Shareholders.

ITEM 3 – LEGAL PROCEEDINGS

From time to time, the Company may be involved in various claims and legal actions in the ordinary course of business.

The Company is not currently involved in any material legal proceedings

outside the ordinary course of the Company’s business.

The Company is

not currently involved in any material legal proceedings outside the ordinary course of the Company’s business.

ITEM 4 – MINE SAFETY DISCLOSURES

1 unchanged sentence

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 2. Properties