OPOF Stock Annual Income Statement. Download in Excel
Old Point Financial Corporation
OPOF 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
39.23
USD
-0.18
(-0.46%)
Previous close: 39.41 Open: 39.2 Bid: 15.7 Ask: 40.85
52 week range
13.70 40.88
Mkt Cap: 203 M Avg Vol (90 Days): 19,426
Last updated: Monday 16th June 2025
Financials
OPOF Income Statement
Annual
| Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | Dec-24 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Basic EPS from continuing operations | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 | 1.88 |
| Basic EPS total | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 | 1.88 |
| Basic weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| CreditLossesProvision | 1 M | 2 M | 4 M | 3 M | 318000.0 | 1000000.0 | 794000.0 | 2 M | 3 M | 765000.0 |
| Depreciation | -2 M | 2 M | 2 M | 2 M | 2 M | 2 M | ||||
| Depreciation unreconciled | -3 M | -3 M | -3 M | -2 M | -2 M | |||||
| DepreciationAndAmortization | -3 M | -3 M | -3 M | -2 M | -2 M | 2 M | 2 M | 2 M | 2 M | 2 M |
| DevelopmentExpense | 381000.0 | 370000.0 | 473000.0 | 548000.0 | 473000.0 | |||||
| Diluted EPS total | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 | 1.88 |
| Diluted normalized net income/share | 0.73 | 0.77 | -0.01 | 0.96 | 1.51 | 1.03 | 1.61 | 1.8 | 1.54 | 1.88 |
| Diluted weighted shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Dividends paid per share | 0.5 | 0.52 | 0.56 | 0.56 | ||||||
| FeesAndCommissions | 12 M | 12 M | 96000.0 | 908000.0 | 1 M | 2 M | 2 M | -1 M | 299000.0 | 16000.0 |
| GeneralAndAdministrativeExpense | 2 M | 3 M | 3 M | 3 M | 3 M | 839000.0 | 881000.0 | |||
| ImpairmentOfCapitalAssets | -1 M | -60000.0 | ||||||||
| Income before tax | 4 M | 4 M | -126000.0 | 5 M | 9 M | 6 M | 10 M | 11 M | 9 M | 11 M |
| Income restructuring and M&A | -309000.0 | 655000.0 | ||||||||
| Income taxes | 640000.0 | 643000.0 | 381000.0 | 279000.0 | 1 M | 521000.0 | 1 M | 1 M | 1 M | 2 M |
| InsuranceAndClaims | 2 M | 3 M | 3 M | 3 M | 3 M | 839000.0 | 881000.0 | |||
| Interest expense | -4 M | -3 M | -3 M | -5 M | -6 M | 5 M | 3 M | 4 M | 18 M | 24 M |
| InterestExpenseForCapitalizedLeaseObligations | -349000.0 | -361000.0 | 415000.0 | 470000.0 | 415000.0 | 446000.0 | 364000.0 | |||
| InterestExpenseForDeposit | 2 M | 2 M | 3 M | 4 M | 5 M | 4 M | 3 M | 2 M | 14 M | 21 M |
| InterestExpenseForLongTermDebt | 1 M | 206000.0 | 424000.0 | 1 M | 1 M | 725000.0 | 544000.0 | 1 M | 5 M | 3 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 1 M | 206000.0 | 424000.0 | 1 M | 1 M | 725000.0 | 544000.0 | 1 M | 5 M | 3 M |
| InterestExpenseForShortTermDebt | 30000.0 | 25000.0 | 38000.0 | 131000.0 | 132000.0 | 150000.0 | 35000.0 | 69000.0 | 40000.0 | 3000.0 |
| InterestIncome | 30 M | 30 M | 33 M | 38 M | 40 M | 40 M | 42 M | 48 M | 67 M | 72 M |
| InterestIncomeAfterProvisionForLoanLoss | 25 M | 23 M | 22 M | 28 M | 33 M | 34 M | 38 M | 43 M | 45 M | 47 M |
| InterestIncomeFromDeposits | 15000.0 | 48000.0 | 15000.0 | 198000.0 | 689000.0 | 267000.0 | 230000.0 | 598000.0 | 2 M | 6 M |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 2000.0 | 6000.0 | 8000.0 | 21000.0 | 31000.0 | 12000.0 | 3000.0 | 21000.0 | 34000.0 | 41000.0 |
| InterestIncomeFromInvestmentSecurities | 4 M | 3 M | 4 M | 3 M | 4 M | 4 M | 4 M | 6 M | 8 M | 8 M |
| InterestIncomeFromLoans | 26 M | 26 M | 29 M | 34 M | 36 M | 36 M | 38 M | 43 M | 56 M | 59 M |
| InterestIncomeFromLoansAndLease | 26 M | 26 M | 29 M | 34 M | 36 M | 36 M | 38 M | 43 M | 56 M | 59 M |
| InterestIncomeFromSecurities | 4 M | 3 M | 4 M | 3 M | 4 M | 4 M | 4 M | 6 M | 8 M | 8 M |
| MarketingExpense | 584000.0 | 612000.0 | 575000.0 | 611000.0 | 552000.0 | |||||
| Net income from total operations | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 8 M | 10 M |
| NetIncomeCommonStockholders | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 8 M | 10 M |
| NetIncomeContinuousOperations | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 8 M | 10 M |
| NetInterestIncome | 26 M | 25 M | 26 M | 30 M | 34 M | 35 M | 39 M | 44 M | 48 M | 48 M |
| NetOccupancyExpense | 5 M | 6 M | 6 M | 6 M | 6 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| NonInterestExpense | -35 M | -35 M | -39 M | -38 M | -39 M | 43 M | 43 M | 46 M | 50 M | 50 M |
| NonInterestIncome | 13 M | 13 M | 13 M | 13 M | 14 M | 15 M | 15 M | 14 M | 14 M | 13 M |
| Normalized income | -2 M | -30050.0 | ||||||||
| OccupancyAndEquipment | 5 M | 6 M | 6 M | 6 M | 6 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Other special charges | -40 M | -39 M | -47 M | -46 M | -45 M | -10 M | -10 M | -11 M | -12 M | -11 M |
| OtherCustomerServices | 4 M | 4 M | 4 M | |||||||
| OtherGandA | 2 M | 3 M | 3 M | 3 M | 3 M | 839000.0 | 881000.0 | |||
| OtherInterestExpense | -4 M | -3 M | -3 M | -5 M | -6 M | 5 M | 3 M | 4 M | 18 M | |
| OtherInterestIncome | 133000.0 | 113000.0 | 155000.0 | 253000.0 | 221000.0 | 134000.0 | 70000.0 | 87000.0 | 326000.0 | 306000.0 |
| OtherNonInterestExpense | 4 M | 3 M | 6 M | 2 M | 3 M | 5 M | 7 M | 7 M | 8 M | 8 M |
| OtherNonInterestIncome | 1 M | 1 M | 13 M | 12 M | 13 M | 12 M | 13 M | 13 M | 1 M | 1 M |
| ProfessionalExpenseAndContractServicesExpense | 720000.0 | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M |
| PromotionAndAdvertising | -217000.0 | -273000.0 | -249000.0 | -255000.0 | -207000.0 | 230000.0 | 217000.0 | 202000.0 | 226000.0 | 187000.0 |
| Research & development expense | 381000.0 | 370000.0 | 473000.0 | 548000.0 | 473000.0 | |||||
| Revenue per share | -219000.0 | -300000.0 | -340000.0 | -341000.0 | -216000.0 | 688000.0 | 410000.0 | 425000.0 | 367000.0 | 268000.0 |
| SalariesAndWages | 21 M | 20 M | 21 M | 23 M | 24 M | 26 M | 25 M | 27 M | 30 M | 30 M |
| SecuritiesActivities | 76000.0 | 522000.0 | 96000.0 | 120000.0 | 314000.0 | 2 M | 2 M | -1 M | 299000.0 | 16000.0 |
| Selling Gen & administrative expense | 24 M | 23 M | 24 M | 26 M | 27 M | 26 M | 25 M | 27 M | 31 M | 31 M |
| SellingAndMarketingExpense | 584000.0 | 612000.0 | 575000.0 | 611000.0 | 552000.0 | 230000.0 | 217000.0 | 202000.0 | 226000.0 | 187000.0 |
| ServiceChargeOnDepositorAccounts | 8 M | 8 M | 8 M | 788000.0 | 884000.0 | |||||
| Special income/charges | -4 M | -3 M | -6 M | -3 M | -3 M | -5 M | -7 M | -7 M | -8 M | -8 M |
| Total common shares outstanding | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total net income | 4 M | 4 M | -29000.0 | 5 M | 8 M | 5 M | 8 M | 9 M | 8 M | 10 M |
| Total ordinary shares | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total revenues | 39 M | 39 M | 39 M | 44 M | 48 M | 49 M | 54 M | 56 M | 62 M | 62 M |
| TotalRevenue | 39 M | 39 M | 39 M | 44 M | 48 M | 49 M | 54 M | 56 M | 62 M | 62 M |
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