EXHIBIT 99.1

Old Point Financial Corporation and Subsidiaries
Consolidated Balance Sheets	December 31,
(dollars in thousands, except per share data)	2016			2015
	(unaudited)
Assets
Cash and due from banks	$	21,885		$	33,514
Interest-bearing due from banks		1,667			1,064
Federal funds sold		2,302			2,412
Cash and cash equivalents		25,854			36,990
Securities available-for-sale, at fair value		199,365			214,192
Restricted securities		970			2,016
Loans, net of allowance for loan losses of $8,245 and $7,738		595,637			560,737
Premises and equipment, net		39,324			41,282
Bank-owned life insurance		25,206			24,411
Other real estate owned, net of valuation allowance of $1,026 and $2,549		1,067			2,741
Other assets		15,543			14,418
Total assets	$	902,966		$	896,787
Liabilities & Stockholders' Equity
Deposits:
Noninterest-bearing deposits	$	228,641		$	215,090
Savings deposits		344,452			321,370
Time deposits		211,409			210,011
Total deposits		784,502			746,471
Overnight repurchase agreements		18,704			25,950
Federal Home Loan Bank advances		0			25,000
Accrued expenses and other liabilities		5,770			6,190
Total liabilities		808,976			803,611
Commitments and contingencies
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized;
4,961,258 and 4,959,009 shares issued and outstanding		24,806			24,795
Additional paid-in capital		16,427			16,392
Retained earnings		56,965			55,151
Accumulated other comprehensive loss, net		(4,208	)		(3,162	)
Total stockholders' equity		93,990			93,176
Total liabilities and stockholders' equity	$	902,966		$	896,787

Old Point Financial Corporation and Subsidiaries
Consolidated Statements of Income
(dollars in thousands, except per share data)	Years Ended December 31,
	2016		2015
	(unaudited)
Interest and Dividend Income:
Interest and fees on loans	$	26,322	$	25,972
Interest on due from banks		48		15
Interest on federal funds sold		6		2
Interest on securities:
Taxable		1,802		2,510
Tax-exempt		1,535		1,663
Dividends and interest on all other securities		113		133
Total interest and dividend income		29,826		30,295
Interest Expense:
Interest on savings deposits		227		227
Interest on time deposits		2,116		2,144
Interest on federal funds purchased, securities sold under
agreements to repurchase and other borrowings		25		30
Interest on Federal Home Loan Bank advances		206		1,231
Total interest expense		2,574		3,632
Net interest income		27,252		26,663
Provision for loan losses		1,930		1,025
Net interest income after provision for loan losses		25,322		25,638
Noninterest Income:
Income from fiduciary activities		3,560		3,617
Service charges on deposit accounts		4,052		4,021
Other service charges, commissions and fees		3,940		4,084
Income from bank-owned life insurance		795		885
Gain on sale of available-for-sale securities, net		522		76
Other operating income		597		453
Total noninterest income		13,466		13,136
Noninterest Expense:
Salaries and employee benefits		19,878		20,747
Occupancy and equipment		5,575		5,330
Data processing		1,620		1,625
FDIC insurance		483		586
Customer development		612		584
Legal and audit expenses		1,315		720
Other outside service fees		807		693
Employee professional development		659		591
Capital stock tax		505		439
ATM and other losses		477		452
Prepayment fee on Federal Home Loan Bank advance		391		0
Loss on other real estate owned		154		957
Other operating expenses		2,355		2,362
Total noninterest expense		34,831		35,086
Income before income taxes		3,957		3,688
Income tax expense (benefit)		160		54
Net income	$	3,797	$	3,634
Basic Earnings per Share:
Average shares outstanding		4,959,173		4,959,009
Net income per share of common stock	$	0.77	$	0.73
Diluted Earnings per Share:
Average shares outstanding		4,960,934		4,959,009
Net income per share of common stock	$	0.77	$	0.73
Cash Dividends Declared per Share:	$	0.40	$	0.34