| Cash Flow | 2025-06-30 |
|---|---|
| Loss on sale of securities, net | -176 |
| Provision for credit losses | 1,185 |
| Stock compensation expense | 163 |
| Amortization of right of use lease assets | 181 |
| Net income | 3,400 |
| Decrease (increase) in other assets | -184 |
| Decrease in loans held for sale, net | 0 |
| Decrease in accrued expenses and other liabilities | -1,725 |
| Gain on redemption and retirement of subordinated notes | 656 |
| Net loss on write-down/sale of repossessed assets | -336 |
| Depreciation and amortization | 965 |
| Income from bank owned life insurance | 573 |
| Amortization of subordinated debt issuance costs | 65 |
| Net amortization of securities | 106 |
| Accretion related to acquisition, net | -22 |
| Net cash provided by operating activities | 3,829 |
| Proceeds from sales of available-for-sale securities | 1,394 |
| Proceeds from maturities of available-for-sale securities | 3,100 |
| Purchases of premises and equipment | 323 |
| Purchases of available-for-sale securities | 5,886 |
| (cash used in purchases) proceeds from redemption of restricted securities, net | -6 |
| Paydowns on available-for-sale securities | 7,313 |
| Net decrease in loans held for investment | 2,486 |
| Net cash provided by investing activities | 8,078 |
| Repayment and retirement of subordinated debt | 3,094 |
| Repayment of federal home loan bank advances | 0 |
| Proceeds from employee stock purchase plan issuance | 59 |
| Increase in federal home loan bank advances | 50 |
| Cash dividends paid on common stock | 1,429 |
| (decrease) increase in noninterest-bearing deposits | -12,479 |
| (decrease) increase in time deposits | -51,235 |
| Increase (decrease) in savings deposits | 17,501 |
| Decrease in federal funds purchased, repurchase agreements and other borrowings, net | -646 |
| Net cash used in financing activities | -51,273 |
| Net (decrease) increase in cash and cash equivalents | -39,366 |
OLD POINT FINANCIAL CORP (OPOF)
OLD POINT FINANCIAL CORP (OPOF)