Old Point Financial Corporation (OPOF)

Old Point Financial Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	176.86	78.76	19.25	187.92	120.44	89.87
Investment Securities	193.84	124.07	138.01	147.16	115.21	76.81
Mortgage-Backed Securities	-	81.31	88.91	89.06	73.5	71.91
Total Investments	193.84	205.38	226.92	236.22	188.71	148.72
Gross Loans	1,014	1,081	1,028	844.83	838.4	748.42
Allowance for Loan Losses	-	-12.21	-10.53	-9.87	-9.54	-9.66
Other Adjustments to Gross Loans	-	-1.2	-1	-1.3	-2.1	-0.56
Net Loans	1,014	1,068	1,017	833.66	826.76	738.21
Property, Plant & Equipment	30.41	31.06	31.01	32.13	33.61	36.06
Goodwill	1.65	1.65	1.65	1.65	1.65	1.65
Other Intangible Assets	0.15	0.19	0.23	0.28	0.32	0.36
Loans Held for Sale	-	0.47	0.42	3.29	14.41	0.59
Accrued Interest Receivable	-	3.5	-	-	-	-
Other Current Assets	0.34	0.34	0.99	0.87	-	0.91
Long-Term Deferred Tax Assets	-	8.27	8.83	2.82	2.46	2.93
Other Real Estate Owned & Foreclosed	1.7	-	-	-	-	-
Other Long-Term Assets	59.04	44.48	46.77	38.93	36.89	32.7
Total Assets	1,478	1,446	1,355	1,338	1,226	1,054
Accrued Expenses	8.22	4.49	7.75	5.82	5.27	4.78
Interest Bearing Deposits	929.67	822.51	690.14	715.67	661.23	497.61
Institutional Deposits	-	75.9	47.3	39.9	45.4	129.33
Non-Interest Bearing Deposits	353.12	331.99	418.58	421.53	360.6	262.56
Total Deposits	1,283	1,230	1,156	1,177	1,067	889.5
Short-Term Borrowings	1.78	11.83	62.47	4.54	6.62	11.45
Current Portion of Long-Term Debt	-	-	-	0.48	-	23.5
Current Portion of Leases	-	0.42	-	-	-	-
Accrued Interest Payable	-	1.97	0.83	-	-	-
Long-Term Debt	29.77	29.67	29.54	29.41	29.9	1.95
Federal Home Loan Bank Debt, Long-Term	40	60	-	-	-	13.5
Long-Term Leases	-	0.83	-	-	-	-
Other Long-Term Liabilities	-	-	-	-	0.02	0.05
Total Liabilities	1,363	1,340	1,257	1,217	1,109	944.73
Common Stock	25.06	24.93	24.76	26.01	25.97	25.9
Additional Paid-In Capital	17.4	17.1	16.59	21.46	21.25	20.96
Retained Earnings	86.32	82.28	78.15	71.68	65.86	62.98
Comprehensive Income & Other	-13.32	-17.53	-20.77	1.68	4.07	-0.08
Shareholders' Equity	115.46	106.78	98.73	120.82	117.15	109.76
Total Liabilities & Equity	1,478	1,446	1,355	1,338	1,226	1,054
Total Debt	71.54	102.75	92	34.42	36.52	50.4
Net Cash (Debt)	105.31	-23.99	-72.75	153.5	83.92	39.46
Net Cash Growth	-	-	-	82.92%	112.65%	-
Net Cash Per Share	20.83	-4.77	-14.35	29.30	16.09	7.59
Filing Date Shares Outstanding	5.08	5.04	5	5.19	5.23	5.2
Total Common Shares Outstanding	5.08	5.04	5	5.24	5.22	5.2
Book Value Per Share	22.74	21.19	19.75	23.06	22.42	21.11
Tangible Book Value	113.65	104.94	96.85	118.89	115.18	107.74
Tangible Book Value Per Share	22.38	20.82	19.37	22.69	22.05	20.72

Source: S&P Capital IQ. Banks template. Financial Sources.