Vitals
  • Total Assets
    897.8M 0.7 %
  • Total Deposits
    787.3M 5.1 %
  • Total Net Loans
    595.7M 6.2 %
  • Net Income
    3.9M 17.3 %
  • Book Value
    85.6M 0.5 %
  • Book Value x2
    171.2M 0.5 %
  • Book Value x3
    256.9M 0.5 %
ROAA

.446

ROAE

4.532

Efficiency Ratio

82.5

Net Interest Margin

3.677

Balance Sheet Highlights
Financial Highlights The Old Point National Bank Of Phoebus All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 897,837 858,303
Total Net Loans 595,717 607,607
Total Deposits 787,341 699,932
Total Equity 85,620 97,657
Profitability
Net Income 3,923 7,896
Return on Average Assets .446 .794
Return on Average Equity 4.532 6.983
Net Interest Margin 3.677 3.805
Efficiency Ratio 82.5 71.157
Noninterest Income/Revenue 21.426 16.327
Balance Sheet Ratios
Loan-to-Deposit 75.662 84.705
Securities/Assets .217 .136
Total Equity/Total Assets .095 .114
Tangible Equity/Tangible Assets .095 .103
Capital Adequacy
Tier 1 Common Capital 89,864 87,521
Tier 1 Capital 89,864 87,589
Tier 2 Capital 8,165 6,159
Total Capital 98,029 93,977
Total Risk Weighted Assets 729,093 657,024
Leverage Ratio 9.84 10.765
Common Equity Tier 1 Capital Ratio 12.33 14.768
Tier 1 Capital Ratio 12.33 14.769
Total Capital Ratio 13.45 15.893

Timeline for The Old Point National Bank Of Phoebus

Old Point Mortgage, Llc

Old Point Mortgage, Llc became a new subsidiary organization for The Old Point National Bank Of Phoebus.

View Profile Oct 01 2007

Old Point Financial Corporation

Old Point Financial Corporation became a new parent organization for The Old Point National Bank Of Phoebus.

View Profile Oct 01 1984

The Old Point National Bank Of Phoebus

The Old Point National Bank Of Phoebus was established 101 years ago and is currently headquartered in Hampton, VA.

Nov 04 1922
Relationships Role Relationship Start Relationship End
Old Point Financial Corporation Parent 10/1/1984
Old Point Mortgage, Llc Subsidary 10/1/2007
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