Old Point Financial Corp (OPOF) Income Statement

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Interest and fees on loans	6.65M
Interest on federal funds sold	2K
Taxable	357K
Tax-exempt	371K
Dividends and interest on all other securities	35K
Total interest and dividend income	7.44M
Interest on savings deposits	56K
Interest on time deposits	538K
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	6K
Interest on Federal Home Loan Bank advances	33K
Total interest expense	633K
Net interest income	6.8M
Provision for loan losses	-100K
Net interest income, after provision for loan losses	6.9M
Income from fiduciary activities	858K
Service charges on deposit accounts	1.04M
Other service charges, commissions and fees	968K
Income from bank owned life insurance	215K
Gain on sale of available-for-sale securities, net	7K
Other operating income	53K
Total noninterest income	3.33M
Salaries and employee benefits	5.06M
Occupancy and equipment	1.37M
FDIC insurance	66K
Data processing	419K
Customer development	146K
Advertising
Loan expenses
Other outside service fees	200K
Employee professional development	147K
Postage and courier expense
Legal and audit expenses	372K
Loss (gain) on write-down/sale of foreclosed assets	45K
Other operating expenses	599K
Total noninterest expense	8.69M
Income (loss) before income taxes	1.54M
Income tax expense (benefit)	212K
Net income (loss)	1.33M
Average shares outstanding (in shares)	4.96M
Net income (loss) per share of common stock (in dollars per share)	0.27
Average shares outstanding (in shares)	4.96M
Net income (loss) per share of common stock (in dollars per share)	0.27

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