Old point financial corp (OPOF)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
CASH FLOWS FROM OPERATING ACTIVITIES
Net income

1,250

1,975

2,232

1,626

2,027

1,388

1,597

992

942

-2,889

757

1,161

942

895

1,329

552

1,021

310

840

1,279

1,205

1,346

692

1,101

977

209

1,037

1,015

901

1,396

1,074

638

1,078

866

1,043

1,035

344

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization

544

548

548

565

559

599

620

630

620

661

687

696

698

691

685

682

667

660

626

629

628

620

627

544

486

480

491

489

491

472

472

470

468

451

445

455

463

Amount of amortization expense for right-of-use asset from operating lease.

88

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accretion related to acquisition, net

20

47

60

51

81

142

78

121

0

0

1,178

-576

-602

-601

-535

-546

-514

-521

-556

-575

-536

-536

-580

-565

-560

-564

-629

-645

-673

-562

-569

-364

-208

-132

-268

69

47

Provision for loan losses

300

-695

0

787

226

1,012

749

575

525

1,235

1,275

1,000

650

630

-100

1,250

150

775

-50

25

275

-200

450

100

250

500

300

300

200

450

750

1,000

200

800

600

500

1,800

Gain on sale of available-for-sale securities, net

0

2

286

0

26

0

0

40

80

7

2

87

0

0

7

6

509

76

0

0

0

-

-

-

-

-

-

-

-

609

619

769

314

349

386

50

0

Net amortization of securities

154

192

242

334

335

356

403

435

493

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in loans held for sale, net

1,719

-988

824

105

170

-554

184

134

-64

-202

-619

1,600

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net loss on disposal of premises and equipment

-

-

-

-

-

0

0

2

-11

0

0

-4

0

0

0

-7

10

-4

-1

0

-1

-3

2

0

0

-

-

-

-

0

-0

0

-0

-

3

-1

0

Net (gain) on sale of other real estate owned

0

0

0

0

2

0

0

-86

0

-

-

-

-

-1

-45

-9

-99

-719

-166

-3

-69

-441

-374

26

-83

-1,076

-64

-78

-126

-40

-99

-380

-256

-587

-368

-268

-188

Bank-owned life insurance income

231

193

201

198

192

198

202

173

209

179

198

199

198

148

215

217

215

221

221

222

221

202

216

217

216

200

215

217

215

196

693

225

223

210

207

203

201

Stock compensation expense

86

63

22

89

50

57

50

45

8

8

9

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

25

27

27

27

27

27

27

Deferred tax benefit

215

-987

750

0

589

-164

731

-731

0

-

-

-

-

-

-

-

-

-

-

-

-

-274

43

130

0

-256

57

-114

-3

-117

89

20

0

1,233

685

176

-0

Increase in other assets

573

-2,243

-433

114

595

-156

171

280

-633

-1,010

887

30

-365

-375

-517

987

472

-649

-416

4,783

251

-681

-434

680

-5

210

255

420

102

-335

-273

-1,330

-48

1,080

609

-89

155

Decrease in accrued expenses and other liabilities

-1,426

-47

196

293

-1,067

1,119

-339

-3

-45

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase (decrease) in other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

365

-606

679

-300

-16

-789

365

3,519

542

-383

64

35

726

-644

180

213

594

-583

459

-205

739

-134

-59

133

110

Net cash provided by (used in) operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,090

1,658

1,229

-

3,128

1,163

2,784

2,559

3,046

1,559

2,871

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by operating activities

-1,332

4,439

3,052

3,226

1,653

4,737

3,176

1,279

2,962

2,482

3,306

226

3,424

-

-

-

-

-

-

-

-

-

-

-

-

-

2,302

2,026

2,665

1,752

2,500

3,032

2,489

2,324

1,810

2,319

2,936

CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities

13,570

29,096

53,152

1,647

19,141

9,420

6,767

8,348

1,467

-2,125

2,321

1,249

21,650

47,122

20,984

21,408

61,690

40,385

21,337

21,019

21,362

21,228

1,968

1,244

1,031

2,003

1,365

4,212

7,165

81,415

91,455

118,070

68,215

104,389

102,492

33,189

11,167

The net cash paid (received) associated with the acquisition or disposal of restricted investments.

226

-

-

-

-162

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

The net cash (paid) received associated with the sale or purchase of investments that are pledged or subject to withdrawal restrictions during the period.

-

-

-

-

-

-

236

195

-177

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash used in purchases of restricted securities, net

-

-

-

-

-

-

-

-

-

-

-

-

7

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

300

900

800

Proceeds from redemption (cash used in purchases) of restricted securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,062

-1,912

1,046

-

850

-562

-11

0

0

-225

310

0

-0

0

184

-0

547

341

0

-

-

-

-

Proceeds from maturities and calls of available-for-sale securities

2,500

7,580

7,520

12,475

2,150

2,240

2,280

1,815

4,655

3,665

2,070

22,155

22,400

1,330

565

21,025

20,740

20,100

20,000

20,000

20,690

555

0

0

170

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturities and calls of held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

10,000

490

-

-

-

-

-

-

-

-

Proceeds from maturities and calls of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

21,969

22,785

15,088

34,947

60,815

16,323

20,583

Proceeds from sales of available-for-sale securities

0

17,950

41,273

0

6,476

397

1,100

8,309

2,730

-2,550

550

5,480

1,000

886

45,081

3,319

58,361

19,746

1,204

900

1,155

23,471

1,480

12,702

1,000

1,505

22,830

38,266

1,035

51,038

56,173

70,396

20,609

43,310

27,747

22,038

1,620

Proceeds from payments on available-for-sale mortgage-backed securities.

3,459

3,205

3,352

2,844

2,583

2,511

2,658

2,577

2,437

2,497

2,714

2,306

2,464

2,554

2,835

2,797

3,102

1,850

2,585

2,551

2,367

2,016

2,506

2,351

2,445

-

-

8,510

10,162

-

-

-

-

-

-

-

-

Proceeds from sale of loans held for investment

-

-

-

-

-

-184

184

0

8,746

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

The (increase) outflow of cash or decrease cash inflow in loans held for investment.

-12,850

-7,267

20,255

1,615

10,926

4,660

-3,811

-890

-3,527

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in loans held for investment

-

-

-

-

-

-

-

-

-

38,282

22,241

46,292

30,800

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Paydowns on held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,959

2,181

2,296

1,725

1,647

1,812

1,440

1,261

-

-

0

0

-

-

-

-

-

-

-

-

(Purchases) paydowns of consumer installment loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

2,281

0

603

-603

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in all other loans (including repayments on student loans)

-

-

-

-

-

-

-

-

-

-

-

-

-

7,846

-4,186

25,200

5,689

5,992

-1,055

2,028

19,634

10,720

6,205

10,474

9,586

21,421

11,840

12,588

-12,818

8,301

-11,825

-11,658

-29,587

-4,653

-11,274

-24,372

-17,561

Proceeds from sales of other real estate owned

0

0

0

0

85

-1

118

93

0

-

-

-

-

74

701

525

399

574

860

116

406

145

943

138

573

17

269

218

899

512

290

476

1,694

1,603

48

394

329

Purchases of premises and equipment

368

487

616

181

498

39

122

128

189

109

66

194

250

181

234

105

371

552

156

75

973

310

413

871

2,212

2,947

3,452

2,461

2,022

1,921

1,197

651

377

641

548

880

393

Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

33,212

-21,614

16,501

-

7,242

-11,836

-15,637

-4,447

-1,545

3,817

-7,070

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by investing activities

-21,055

-7,690

18,760

15,318

2,743

180

-4,124

2,763

13,208

-33,610

-19,082

-18,835

-26,843

-

-

-

-

-

-

-

-

-

-

-

-

-

-2,296

26,879

16,401

-29,589

-736

-13,064

-1,614

-20,288

-5,993

28,587

27,733

CASH FLOWS FROM FINANCING ACTIVITIES
Decrease in noninterest-bearing deposits

-4,454

11,139

8,537

9,928

-13,311

5,737

-4,541

7,411

5,629

2,274

-1,343

-8,855

4,999

2,621

19,206

1,649

-9,925

18,767

11,358

-7,631

6,316

2,954

-1,951

849

1,915

2,051

2,622

977

122

549

2,611

7,595

2,343

4,475

6,532

12,965

10,457

Increase in savings deposits

29,816

18,842

10,701

-2,712

4,274

830

6,607

3,222

4,828

399

-3,569

-7,952

11,723

19,264

13,256

510

-9,948

7,068

-2,751

7,265

2,710

3,855

10,742

-2,853

9,249

6,506

8,757

-2,143

4,711

20,487

3,933

1,996

9,487

264

7,725

-4,071

3,219

(Decrease) increase in time deposits

-12,322

-5,042

-2,413

4,429

2,109

-4,695

-1,051

-3,286

-5,024

-1,524

10,177

595

-7,832

-1,880

5,034

163

-1,919

-8,491

-3,140

-4,300

2,646

-5,659

-9,815

-4,956

-13,081

-13,976

-10,924

-15,707

-11,408

1,104

953

7,722

4,150

-4,263

-4,299

-14,101

-7,240

Decrease in federal funds purchased, repurchase agreements and other borrowings, net

-6,785

-12,430

5,571

-6,782

-1,282

7,359

-7,932

-7,243

5,448

6,808

664

-4,907

9,424

465

-5,625

-7,914

5,828

-292

-1,638

-8,079

-1,857

7,253

4,474

-10,132

4,635

-5,845

11,378

-1,568

-9,605

-1,317

14,603

-15,794

3,253

-3,929

8,985

-27,408

-31,613

Increase in Federal Home Loan Bank advances

25,000

0

0

5,000

5,000

52,500

10,000

20,000

58,000

47,500

40,000

80,000

0

0

0

55,000

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of Federal Home Loan Bank advances

20,000

10,000

3,000

10,000

10,000

52,500

10,000

30,000

55,500

25,000

45,000

30,000

0

20,000

25,000

10,000

25,000

0

20,000

5,000

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from ESPP issuance

21

25

20

21

19

21

18

22

26

225

495

162

382

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options and ESPP issuance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchase of stock due to stock option exercises

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-0

48

24

211

Repurchase and retirement of common stock

-

-

-

-

-

-

-

-

-

25

34

24

74

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash dividends paid on common stock

624

625

623

625

623

571

570

569

552

552

551

548

547

495

496

496

496

447

446

397

396

347

347

298

297

298

297

248

248

247

247

247

247

248

247

247

246

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,375

38,912

-41,460

-

-16,617

1,858

9,419

8,056

3,103

-12,390

2,421

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

10,652

1,909

18,793

-741

-13,814

8,681

-7,469

-10,443

12,855

30,105

839

28,471

18,075

-

-

-

-

-

-

-

-

-

-

-

-

-

11,536

-18,689

-16,428

20,577

11,854

1,272

18,987

-3,701

18,745

-32,838

-25,212

Net decrease in cash and cash equivalents

-11,735

-1,342

40,605

17,803

-9,418

13,598

-8,417

-6,401

29,025

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase (decrease) in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-1,023

-14,937

9,862

-5,344

-49,039

42,677

18,956

-23,730

22,181

-6,247

-8,815

-3,434

6,168

4,604

-7,014

-1,778

-35,388

11,542

10,216

2,638

-7,259

13,618

-8,759

19,862

-21,665

14,562

-1,931

5,457

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash payments for: [Abstract]
Interest

1,639

1,688

1,646

1,576

1,486

1,403

1,204

1,078

1,050

851

793

641

595

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

626

582

740

-

925

928

887

894

972

992

1,062

1,126

1,159

1,211

1,294

1,385

1,505

1,504

1,517

1,588

1,668

1,758

1,947

Income tax

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

0

200

0

175

0

360

0

0

100

450

0

-

-

-

-

-

-

-

-

SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain (loss) on securities available-for-sale

-563

-943

-17

1,640

1,949

2,043

-1,018

-288

-2,297

-742

87

1,570

648

-4,606

-453

2,517

780

-439

1,065

-1,519

138

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized gain (loss) on securities available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,351

-113

1,496

-9,843

-2,616

-2,934

3,263

1,521

-1,143

-

-

-

-

Loans transferred to other real estate owned

236

-

-

-

0

-

-

-

203

0

0

0

0

-

-

-

-

0

99

0

454

747

176

412

480

241

565

327

539

-

-

-

0

-

-

-

-

Right of use lease asset and liability

672

0

0

0

751

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transactions Related to Acquisitions [Abstract]
Unrealized gain on securities available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

585

2,764

200

Real Estate Owned, Transfer from Real Estate Owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

481

0

-481

481

-

-

-

-

-

-

-

-

-

657

296

1,244

(Increase) decrease in pension liability

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Equity securities transferred from other assets to available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

100

-

-

0

0

-

-

-

-

-

-

-

-

Securities transferred from available-for-sale to held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Amortization of unrealized loss on securities transferred to held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

220

243

257

214

213

230

201

191

198

68

0

0

-

-

-

-

-

-

-

-