OLD POINT FINANCIAL CORP (OPOF)
2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|
| Noninterest revenue-Deposit Account | 767 | - | - | - |
| Noninterest revenue-Service Other | 153 | - | - | - |
| Noninterest revenue-Financial Service Other | 1,017 | - | - | - |
| Noninterest revenue-Fiduciary And Trust | 1,273 | - | - | - |
| Gain on redemption and retirement of subordinated notes | - | 656 | - | - |
| Loss on sale of repossessed assets | -252 | -84 | -25 | -58 |
| Loss on sale of available-for-sale securities, net | - | -176 | - | - |
| Bank-owned life insurance income | 291 | 282 | 285 | 270 |
| Noninterest revenue | - | 3,169 | 3,054 | 3,116 |
| Mortgage banking income (loss) | - | - | -2 | - |
| Fees and commissions, mortgage banking and servicing | - | - | - | 2 |
| Total noninterest income | 3,249 | 3,847 | 3,472 | 3,471 |
| Card and other losses | - | - | - | 98 |
| Other taxes | 290 | 284 | 268 | 276 |
| Professional services | 644 | 674 | 966 | 680 |
| Other operating expenses | 1,081 | 1,054 | 928 | 966 |
| Occupancy and equipment | 1,094 | 1,181 | 1,242 | 1,373 |
| Salaries and employee benefits | 7,499 | 7,343 | 7,382 | 7,195 |
| Data processing | 1,416 | 1,333 | 1,304 | 1,393 |
| Customer development | 134 | 134 | 113 | 176 |
| Merger-related costs | 976 | 261 | - | - |
| Employee professional development | 230 | 183 | 191 | 167 |
| Total noninterest expense | 13,364 | 12,447 | 12,394 | 12,324 |
| Time deposits | 1,565 | 1,801 | 2,554 | 2,337 |
| Checking and savings deposits | 3,123 | 2,791 | 2,940 | 2,699 |
| Long-term borrowings | 263 | 264 | 296 | 295 |
| Federal home loan bank advances | 405 | 401 | 420 | 670 |
| Federal funds purchased, securities sold under agreements to repurchase and other borrowings | 39 | 38 | - | 1 |
| Total interest expense | 5,395 | 5,295 | 6,210 | 6,002 |
| Dividends and interest on all other securities | 57 | 60 | 64 | 77 |
| Tax-exempt | 138 | 137 | 138 | 139 |
| Taxable | 1,984 | 1,975 | 1,732 | 1,761 |
| Federal funds sold | 12 | 8 | 11 | 12 |
| Interest-bearing deposits in other banks | 1,044 | 1,136 | 1,842 | 1,087 |
| Loans, including fees | 14,339 | 13,987 | 14,733 | 15,042 |
| Total interest and dividend income | 17,574 | 17,303 | 18,520 | 18,118 |
| Net interest income | 12,179 | 12,008 | 12,310 | 12,116 |
| Provision for credit losses | 468 | 717 | 282 | 261 |
| Net interest income after provision for credit losses | 11,711 | 11,291 | 12,028 | 11,855 |
| Income before income taxes | 1,596 | 2,691 | 3,106 | 3,002 |
| Income tax expense | 354 | 533 | 724 | 473 |
| Net income | 1,242 | 2,158 | 2,382 | 2,529 |
| Net income per share of common stock (in dollars per share) | 0.24 | 0.42 | 0.47 | 0.5 |
| Net income per share of common stock (in dollars per share) | 0.24 | 0.42 | 0.47 | 0.5 |
| Weighted average shares outstanding (in shares) | 5,103,320 | 5,086,759 | 5,076,957 | 5,064,363 |
| Weighted average shares outstanding (in shares) | 5,103,320 | 5,086,759 | 5,076,957 | 5,064,503 |