Old Point Financial Corporation (OPOF)

Old Point Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	57.47	58.73	56.3	41.41	37.91	36.01
Interest Income on Investments	14.31	13.67	10.32	6.64	4.34	4
Total Interest Income	71.78	72.41	66.63	48.04	42.25	40.01
Interest Paid on Deposits	20.2	20.73	13.87	2.15	2.88	4.42
Interest Paid on Borrowings	2.83	3.46	4.56	1.46	0.58	0.88
Total Interest Expense	23.03	24.19	18.43	3.61	3.46	5.29
Net Interest Income	48.75	48.22	48.2	44.44	38.79	34.72
Net Interest Income Growth (YoY)	3.85%	0.04%	8.46%	14.55%	11.74%	2.66%
Trust Income	4.94	4.66	4.63	4.1	4.2	3.88
Mortgage Banking Activities	0.02	0.02	0.43	0.5	2.28	1.78
Gain (Loss) on Sale of Assets	-	-	0.22	1.69	-	0.82
Gain (Loss) on Sale of Investments	-0.18	-	-0.13	-1.87	-	0.26
Other Non-Interest Income	6.26	5.61	5.71	6.02	5.71	5.09
Total Non-Interest Income	13.81	13.41	13.87	13.51	14.89	14.7
Non-Interest Income Growth (YoY)	1.05%	-3.35%	2.73%	-9.27%	1.27%	4.41%
Revenues Before Loan Losses	62.56	61.63	62.07	57.94	53.68	49.42
Provision for Loan Losses	1.56	0.71	2.6	1.71	0.79	1
Revenue	61	60.91	59.47	56.24	52.89	48.42
Revenue Growth (YoY)	4.45%	2.43%	5.75%	6.34%	9.23%	1.76%
Salaries and Employee Benefits	29.44	29.59	29.88	26.64	25.07	25.25
Occupancy Expenses	4.26	4.41	4.45	4.37	4.35	4.47
Federal Deposit Insurance	0.88	0.88	0.84	-	-	-
Selling, General & Administrative	10.12	10.11	10.21	9.53	8.81	7.35
Other Non-Interest Expense	4.36	4.52	5.03	5.11	4.93	4.9
Total Non-Interest Expense	49.06	49.51	50.41	45.66	43.15	42.02
EBT Excluding Unusual Items	11.95	11.41	9.06	10.58	9.74	6.4
Other Unusual Items	-	-	-	-	-	-0.49
Pretax Income	10.71	11.41	9.06	10.58	9.74	5.91
Income Tax Expense	2.05	1.9	1.33	1.47	1.3	0.52
Net Income	8.66	9.51	7.73	9.11	8.44	5.39
Net Income to Common	8.66	9.51	7.73	9.11	8.44	5.39
Net Income Growth	22.16%	23.00%	-15.13%	7.92%	56.62%	-31.44%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	0.81%	0.79%	-0.91%	-3.19%	0.42%	0.38%
EPS (Basic)	1.70	1.88	1.54	1.80	1.61	1.03
EPS (Diluted)	1.70	1.88	1.54	1.80	1.61	1.03
EPS Growth	21.17%	22.03%	-14.35%	11.56%	56.31%	-31.79%
Dividend Per Share	0.560	0.560	0.560	0.520	0.500	0.480
Dividend Growth	-	-	7.69%	4.00%	4.17%	-
Effective Tax Rate	19.13%	16.63%	14.72%	13.93%	13.31%	8.82%

Updated Jul 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q