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Income Statement
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Balance Sheet
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Income Overview
Revenue
$767K
Net Income
$1,242K
Net Profit Margin
161.93%
EPS
$0.24
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-06-30
2025-03-31
2024-12-31
2024-09-30
Noninterest revenue-Deposit Account
767
-
-
-
Noninterest revenue-Service Other
153
-
-
-
Noninterest revenue-Financial Service Other
1,017
-
-
-
Noninterest revenue
-
3,169
2,725*
3,054
Noninterest revenue-Fiduciary And Trust
1,273
-
-
-
Loss on sale of available-for-sale securities, net
0
-176
-
-
Gain on redemption and retirement of subordinated notes
0
656
-
-
Loss on sale of repossessed assets
-252
-84
-1*
-25
Mortgage banking income (loss)
-
-
-
-2
Mortgage banking income
-
-
10*
-
Bank-owned life insurance income
291
282
262*
285
Total noninterest income
3,249
3,847
2,995*
3,472
Occupancy and equipment
1,094
1,181
905*
1,242
Data processing
1,416
1,333
1,130*
1,304
Customer development
134
134
40*
113
Other taxes
290
284
257*
268
Professional services
644
674
337*
966
Other operating expenses
1,081
1,054
329*
928
Salaries and employee benefits
7,499
7,343
8,989*
7,382
Fdic assessment expense
-
-
220*
-
Merger-related costs
976
261
-
-
Employee professional development
230
183
241*
191
Atm and other gaines
-
-
-16*
-
Total noninterest expense
13,364
12,447
12,431*
12,394
Time deposits
1,565
1,801
2,127*
2,554
Checking and savings deposits
3,123
2,791
2,807*
2,940
Long-term borrowings
263
264
295*
296
Federal home loan bank advances
405
401
643*
420
Federal funds purchased, securities sold under agreements to repurchase and other borrowings
39
38
0*
-
Total interest expense
5,395
5,295
5,871*
6,210
Dividends and interest on all other securities
57
60
95*
64
Taxable
1,984
1,975
2,034*
1,732
Tax-exempt
138
137
139*
138
Federal funds sold
12
8
7*
11
Interest-bearing deposits in other banks
1,044
1,136
1,107*
1,842
Loans, including fees
14,339
13,987
14,072*
14,733
Total interest and dividend income
17,574
17,303
17,451*
18,520
Net interest income
12,179
12,008
11,580*
12,310
Provision for credit gaines
468
717
-101*
282
Net interest income after provision for credit losses
11,711
11,291
11,681*
12,028
Income before income taxes
1,596
2,691
2,244*
3,106
Income tax expense
354
533
102*
724
Net income
1,242
2,158
2,142
2,382
Basic EPS
0.24
0.42
0.424
0.47
Diluted EPS
0.24
0.42
0.424
0.47
Basic Average Shares
5,103,320
5,086,759
5,053,239
5,076,957
Diluted Average Shares
5,103,320
5,086,759
5,053,246
5,076,957
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$14,339K
(-4.67%↓ Y/Y)
Taxable
$1,984K
(12.66%↑ Y/Y)
Interest-bearing deposits in
other banks
$1,044K
(-3.96%↓ Y/Y)
Tax-exempt
$138K
(-0.72%↓ Y/Y)
Dividends and interest on
all other...
$57K
(-25.97%↓ Y/Y)
Federal funds sold
$12K
(0.00%↑ Y/Y)
Total interest and
dividend income
$17,574K
(-3.00%↓ Y/Y)
Net interest income
$12,179K
(0.52%↑ Y/Y)
Noninterest
revenue-Fiduciary And Trust
$1,273K
Noninterest
revenue-Financial Service Other
$1,017K
Noninterest
revenue-Deposit Account
$767K
Bank-owned life insurance
income
$291K
(7.78%↑ Y/Y)
Total interest
expense
$5,395K
(-10.11%↓ Y/Y)
Noninterest
revenue-Service Other
$153K
Net interest income
after provision for...
$11,711K
(-1.21%↓ Y/Y)
Total noninterest
income
$3,249K
(-6.40%↓ Y/Y)
Provision for credit
gaines
$468K
(79.31%↑ Y/Y)
Loss on sale of
repossessed assets
-$252K
(-334.48%↓ Y/Y)
Checking and savings
deposits
$3,123K
(15.71%↑ Y/Y)
Time deposits
$1,565K
(-33.03%↓ Y/Y)
Federal home loan bank
advances
$405K
(-39.55%↓ Y/Y)
Long-term borrowings
$263K
(-10.85%↓ Y/Y)
Federal funds
purchased, securities sold...
$39K
(3800.00%↑ Y/Y)
Income before income
taxes
$1,596K
(-46.84%↓ Y/Y)
Total noninterest
expense
$13,364K
(8.44%↑ Y/Y)
Net income
$1,242K
(-50.89%↓ Y/Y)
Income tax expense
$354K
(-25.16%↓ Y/Y)
Salaries and employee
benefits
$7,499K
(4.23%↑ Y/Y)
Data processing
$1,416K
(1.65%↑ Y/Y)
Occupancy and equipment
$1,094K
(-20.32%↓ Y/Y)
Other operating
expenses
$1,081K
(11.90%↑ Y/Y)
Merger-related costs
$976K
Professional services
$644K
(-5.29%↓ Y/Y)
Other taxes
$290K
(5.07%↑ Y/Y)
Employee professional
development
$230K
(37.72%↑ Y/Y)
Customer development
$134K
(-23.86%↓ Y/Y)
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OLD POINT FINANCIAL CORP (OPOF)
OLD POINT FINANCIAL CORP (OPOF)