Call reports 2025
OLD POINT NATIONAL BANK OF PHOEBUS, THE — 2025
What OLD POINT NATIONAL BANK OF PHOEBUS, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Total assets | 1,444,253,000 | 1,395,312,000 |
| Total loans | 1,012,941,000 | 1,006,275,000 |
| Allowance for loan losses | 11,821,000 | 11,941,000 |
| Securities available for sale | 216,335,000 | 209,973,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 1,236,000 | 1,004,000 |
| Total deposits | 1,259,399,000 | 1,209,873,000 |
| Interest-bearing deposits | 886,783,000 | 866,138,000 |
| Noninterest-bearing deposits | 372,616,000 | 343,735,000 |
| Equity capital | 137,227,000 | 138,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Interest income | 17,256,000 | 34,781,000 |
| Interest expense | 4,993,000 | 10,087,000 |
| Net interest income | 12,263,000 | 24,694,000 |
| Noninterest income | 1,803,000 | 3,394,000 |
| Noninterest expense | 10,533,000 | 21,163,000 |
| Provision for loan losses | 725,000 | 1,175,000 |
| Pretax income | 2,640,000 | 5,563,000 |
| Income tax | 483,000 | 953,000 |
| Net income | 2,157,000 | 4,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Tier 1 capital | 150,139,000 | 151,354,000 |
| Total capital | 162,136,000 | 163,490,000 |
| Risk-weighted assets | 1,151,451,000 | 1,138,613,000 |