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Profile - Old Point Financial Corp. (NasdaqSC:OPOF)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials | Reports
Recent Events
Aug 23Price hit new 52-week high ($25.25)
Upcoming Events
Sep 28Dividend payment of $0.16
Location
1 West Mellen Street
Hampton, VA 23663
Phone: (757) 722-7451
Fax: (757) 873-9365
Employees (last reported count): 209
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 7%
·Over the last 6 months:
 · 2 insider buys; 0  shares
·Institutional: 0% (0% of float)
(0 institutions)
·Net Inst. Selling: 3,000  shares
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Old Point Financial Corporation is a two-bank holding company that conducts substantially all of its operations through its subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust and Financial Services, N.A. (Trust). The Bank services individual and commercial customers, the majority of which are in Hampton Roads, Virginia. The Bank offers a full range of deposit and loan products to its retail and commercial customers. Substantially all of the Bank's deposits are interest bearing. The majority of the Bank's loan portfolio is secured by real estate. Trust offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, trust accounts, tax services and investment management services. As of December 31, 2000, the Company had assets of $477.1 million, loans of $319.9 million, deposits of $374.8 million and stockholders' equity of $46.5 million
More from Market Guide: Expanded Business Description

Financial Summary
OPOF is a two-bank holding company that conducts its operations through Old Point National Bank and Old Point Trust and Fin'l Svcs. For the six months ended 6/30/01, interest income rose 11% to $17.7 million. Net interest income after loan loss prov. rose 8% to $8.5 million. Earnings rose 6% to $2.6 million. Net interest income reflects increased earnings assets, partially offset by a lower interest margin. Earnings were partially offset by higher salaries and other expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Robert Shuford, 63
Chairman, Pres, CEO
--  
Louis Morris, 46
Pres and CEO of Bank, Director
$163K
Frank Continetti, 41
Exec. VP/Trust
126K
Laurie Grabow, 43
Sr. VP-Fin.
--  
Margaret Causby, 50
Sr. VP/Admin.
134K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:OPOFAs of 31-Aug-2001
Price and Volume
52-Week Low
on 27-Dec-2000
$15.50 
Recent Price$24.50 
52-Week High
on 23-Aug-2001
$25.25 
Beta0.27 
Daily Volume (3-month avg)409 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change+28.9%
52-Week Change
relative to S&P500
+73.0%
Share-Related Items
Market Capitalization$63.5M
Shares Outstanding2.59M
Float2.40M
Dividends & Splits
Annual Dividend (indicated)$0.64 
Dividend Yield2.61%
Last Splitnone 
Per-Share Data
Book Value (mrq)$18.97 
Earnings (ttm)$2.02 
Earnings (mrq)$0.52 
Sales (ttm)$13.54 
Cash (mrq)$4.29 
Valuation Ratios
Price/Book (mrq)1.29 
Price/Earnings (ttm)12.12 
Price/Sales (ttm)1.81 
Income Statements
Sales (ttm)$35.3M
EBITDAN/A 
Income available to common (ttm)$5.28M
Profitability
Profit Margin (ttm)14.9%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.08%
Return on Equity (ttm)11.42%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$11.1M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume0 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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