Financial insights of OPOF

MyFinsight

For the quarter ending 2025-06-30.

Income Overview

Net Income
$1,242K
EPS
$0.24
Unit: Thousand (K) dollars

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

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$1,242K
EPS
$0.24
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$1,242K
EPS
$0.24
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$1,242KEPS$0.24Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$1,242KEPS$0.24Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$1,242K
EPS
$0.24
Unit: Thousand (K) dollars

Net Income
$1,242K
EPS
$0.24
Unit: Thousand (K) dollars