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Old Point Financial (OPOF) Annual Income Statement

Annual · GAAP · USD millions
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By examining income statement figures across successive periods, users can identify shifts in Old Point Financial's profitability and expense structure.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2024)
2024 		(Dec 31 2023) (Dec 31 2022) (Dec 31 2021) (Dec 31 2020)
Revenues
Interest and Fee Income, Loans and Leases58.73
Interest and Dividend Income, Securities, Operating0.55
Interest Income, Federal Funds Sold0.04
Interest Income, Domestic Deposits5.50
Other Interest and Dividend Income0.31
Other Income7.27
Total Interest Income72.41
Interest Expense, Deposits9.46
Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase0.00
Interest Expense, Long-term Debt and Capital Securities1.18
Total Interest Expense24.19
Net Interest Income48.22
Provision for loan losses0.71
Total Net Interest Income47.51
Fees and Commissions, Mortgage Banking and Servicing0.02
Revenue From Contract With Customer Including Assessed Tax4.66
Bank Owned Life Insurance Income1.09
Extinguishment of Debt0.00
Gain (Loss) on Disposition of Assets and Other Investments0.00
Loss / Gain on Investment0.00
Other Non-Interest Income6.58
Total Non-interest Income13.41
Total Revenues60.91
Costs & Expenses
Salaries & employee benefits, SGA31.12
Restructuring, Accretion & impairment charges0.00
Communications, Occupancy and Information Technology4.83
Professional Fees2.81
Federal Deposit Insurance Corporation Premium Expense0.88
Other Noninterest Expense3.17
Other loss /-income6.70
Total Operating Expenses49.51
Total Costs & Expenses60.16
Income & Taxes
Income /-loss before income taxes11.41
Income taxes expenses/-benefit1.90
Income after income taxes9.51
Net income/-loss of other equity0.00
Income /-loss after income taxes9.51
Net Income/-loss9.51
Income/-loss to shareholder9.51
Earnings Per Share
Basic EPS (excl. extra items)1.88
Basic Net EPS1.88
Basic shares outstanding (Mill. of Units)5.06
Diluted Net EPS1.88
Diluted average shares (Mill. of Units)5.06
Dividend per share0.56
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About Old Point Financial Corp Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.