Exhibit 99.1

Old Point Releases Fourth Quarter and Full Year 2018 Results

Hampton, VA, January 31, 2019 (PRNewswire) Old Point Financial Corporation (the Company or Old Point) (NASDAQ "OPOF") reported net income of $1.4 million and earnings per share of $0.27 for the quarter ended December 31, 2018, as compared to a net loss of $2.9 million or a $0.58 loss per share for the fourth quarter of 2017. Net operating earnings (non-GAAP) for the fourth quarter of 2018 were also $1.4 million or $0.27 per share, which compares to $781 thousand, or $0.16 per share for the fourth quarter of 2017.

For the year ended December 31, 2018, net income was $4.9 million, or $0.96 per share, as compared to a net loss of $29 thousand or a $0.01 loss per share in 2017. Net operating earnings (non-GAAP) for the twelve months ended December 31, 2018 were $5.7 million, or $1.10 per share, as compared to $3.3 million or $0.66 per share for the same period in 2017.

Robert Shuford, Jr., President and CEO of Old Point National Bank said, "The fourth quarter represented a solid continuation to a much improved financial performance in 2018 as compared to 2017, with notable improvements in most performance ratios after adjusting for merger-related costs and non-operating events. While we have yet to achieve a level of performance that we expect of ourselves, we certainly made substantive progress to the achievement of those goals in 2018 and enter 2019 with excitement and momentum. We expect to continue our path to improved earnings performance, with the overriding goal of serving our communities, customers and employees while creating shareholder value. "

Mr. Shuford added "We made substantial progress in 2018 in resolving several problem credit issues to strengthen our balance sheet and expect the results of this progress to be evident in 2019. We successfully consummated and integrated our first acquisition in 2018, and we expect to roll out our new loan origination platform in late first quarter of 2019. Most recently, we executed contracts to migrate to a new online banking platform and upgrade our core processing solution. We anticipate that these initiatives will improve the customer experience, create efficiencies and reduce operating expenses."

Highlights of the quarter are as follows:

·	Return on average assets (ROA) was 0.54% compared to 0.62% in the prior quarter and -1.19% in the fourth quarter of 2017. Net operating ROA (non-GAAP) was 0.54% compared to 0.64% and 0.32% in the third quarter of 2018 and the fourth quarter of 2017, respectively.

·	Return on average equity (ROE) was 5.50% compared to 6.36% in the prior quarter and -11.85% in the fourth quarter of 2017. Net operating ROE (non-GAAP) was 5.55% compared to 6.55% and 3.20% in the third quarter of 2018 and the fourth quarter of 2017, respectively.

·	Net interest income improved to $8.6 million compared to $8.5 million in the prior quarter and $7.7 million in the fourth quarter of 2017.

·	Net interest margin (on a fully tax-equivalent basis) improved to 3.69% from 3.67% in the prior quarter and 3.57% in the fourth quarter of 2017.

Non-performing assets (NPAs) totaled $14.7 million as of December 31, 2018, down from $17.5 million at September 30, 2018 and down from $16.1 million at December 31, 2017. NPAs as a percentage of total assets improved to 1.42% at December 31, 2018 which compares to 1.70% at September 30, 2018 and 1.64% at December 31, 2017.

·	The efficiency ratio improved to 78.51% compared to 78.69% in the third quarter of 2018 and 81.48% in the fourth quarter of 2017.

Net Interest Income

Net interest income for the fourth quarter of 2018 was $8.6 million, an increase of $87 thousand, or 1.0%, from the prior quarter and an increase of $937 thousand, or 12.2%, from the fourth quarter of 2017. The quarter-over-quarter growth in net interest income was principally the result of higher yields on earnings assets which was partially offset by higher funding costs. The year-over-year growth was positively impacted by higher average earning asset balances as well as higher yields. The tax-equivalent net interest margin for the quarter was 3.69%, up from 3.67% in the prior quarter and 3.57% in the same period a year ago. The margin improvement was primarily due to increases in average loan yields which outweighed higher rates on interest-bearing deposits and borrowings.

Asset Quality

Non-performing assets (NPAs) totaled $14.7 million as of December 31, 2018, down from $17.5 million at September 30, 2018 and $16.1 million at December 31, 2017. NPAs as a percentage of total assets were 1.42%, which compares to 1.70% at September 30, 2018 and 1.64% at December 31, 2017. Non-accrual loans decreased to $12.1 million from $13.0 million at September 30, 2018 and $12.9 million at December 31, 2017. Loans past due 90 days or more and still accruing interest decreased $1.8 million to $2.5 million from $4.3 million at September 30, 2018 and decreased by $685 thousand compared to $3.2 million at December 31, 2017. Of the loans past due 90 days or more at December 31, 2018, approximately $1.7 million were government-guaranteed student and small business loans.

The provision for loan losses was $1.0 million for the fourth quarter, as compared to $749 thousand for the third quarter and $1.2 million for the fourth quarter of 2017. The allowance for loan and lease losses (ALLL) was $10.1 million at December 31, 2018 compared to $10.2 million at September 30, 2018 and $9.4 million at December 31, 2017. The ALLL as a percentage of loans held for investment was 1.31% at December 31, 2018, unchanged from September 30, 2018, and up slightly from 1.28% at December 31, 2017. Annualized net charge offs as a percentage of average loans outstanding was 0.58% for the fourth quarter, which compares to 0.20% in the preceding quarter and 0.41% in the fourth quarter of 2017. The Company recorded one large charge-off during the fourth quarter of 2018 for $573 thousand based on a negotiated note sale, which is anticipated to close in the first half of 2019.

Noninterest Income

Total noninterest income for the quarter was $3.3 million, which was essentially unchanged from the previous quarter and an increase of $59 thousand, or 1.8% from the fourth quarter of 2017. Increases in service charges on deposit accounts and other services charges and commissions were offset by declines in fiduciary and management fees and mortgage banking revenues. For both the twelve months ended December 31, 2018 and 2017, total noninterest income was $13.3 million. Excluding the impact of a nonrecurring gain associated with Old Point Mortgage in 2017, adjusted 2018 noninterest income (non-GAAP) increased $514 thousand or 4.0% over the same period in 2017 with similar comparisons to fourth quarter variances noted.

Noninterest Expense

Noninterest expense totaled $9.4 million for the fourth quarter of 2018, essentially unchanged from the third quarter and a decrease of $3.2 million or 25.6% from the fourth quarter of 2017. Adjusting for the $3.4 million nonrecurring charge incurred in the fourth quarter of 2017 associated with the Company's termination of its pension plan, adjusted noninterest expense (non-GAAP) increased $106 thousand or 1.1% comparing fourth quarter of 2018 to the same period in 2017. For the linked quarter, decreases in salary and employee benefits, occupancy and equipment and employee professional development costs offset increases in professional services, data processing and customer development costs.

For the twelve months ended December 31, 2018, total noninterest expense was $38.5 million, a decrease of $695 thousand or 1.8% as compared to $39.2 million for same period in 2017. Excluding the impact of merger expenses of $655 thousand and $241 thousand for 2018 and 2017, as well as the aforementioned pension termination charge in 2017, adjusted noninterest expense (non-GAAP) increased $2.2 million or 6.3% in 2018 over 2017. This increase was mainly attributable to increased salaries and employee benefits in part associated with increased staffing related to acquisition growth, FDIC insurance costs, data processing costs and professional services costs related to some of the Company's process improvement initiatives.

Balance Sheet Review

Total assets as of December 31, 2018 were $1.0 billion, an increase of $56.4 million, or 5.7%, from December 31, 2017. Net loans held for investment increased $34.8 million, or 4.8%, from December 31, 2017 to $763.9 million. The increase in net loans and total assets was largely the result of the Citizens National Bank (Citizens) acquisition, which was completed on April 1, 2018.

Total deposits as of December 31, 2018 increased $59.6 million, or 7.6%, to $843.1 million from December 31, 2017. Noninterest-bearing deposits increased $20.5 million, or 9.1%, savings deposits increased $22.9 million, or 6.6%, and time deposits increased $16.1 million, or 7.6%. The increase in deposits was due in large part to the Citizens acquisition.

The Company remains well capitalized. The Company's Tier 1 Capital ratio was 11.57% at December 31, 2018 as compared to 11.18% at December 31, 2017. The Company's leverage ratio was 9.88% at December 31, 2018 as compared to 9.98% at December 31, 2017. Total stockholders' equity at December 31, 2018 increased $5.6 million or 5.8% from December 31, 2017 to $102.0 million.

Non-GAAP Financial Measures – In addition to the Company's results presented in accordance with GAAP, this release includes certain non-GAAP financial measures including net operating earnings, net operating earnings per share, net operating ROA, net operating ROE, and operating efficiency ratio. A schedule reconciling these non-GAAP financial measures is provided at the end of this press release. The Company uses these non-GAAP financial measures in its internal analysis of financial and operating performance and the Company's management believes that they provide greater transparency regarding management's view of the Company's performance. These non-GAAP financial measures should be read in conjunction with, and not as a substitute for, the Company's GAAP results. In addition, because not all companies use identical calculations, the Company's presentation of its non-GAAP financial measures may not be comparable to other similarly titled measures of other companies.

Safe Harbor Statement Regarding Forward-Looking Statements - Statements in this press release which use language such as "believes," "expects," "plans," "may," "will," "should," "projects," "contemplates," "anticipates," "forecasts," "intends" and similar expressions, identify forward-looking statements. These forward-looking statements are based on the beliefs of Old Point's management, as well as estimates and assumptions made by, and information currently available to, management. These statements are inherently uncertain, and there can be no assurance that the underlying estimates or assumptions will prove to be accurate. Actual results could differ materially from historical results or those anticipated by such statements. Forward-looking statements in this release may include, without limitation: statements regarding future financial performance; future impacts of the Tax Cut and Jobs Act on the Company's operations; performance of the investment and loan portfolios, including performance of the consumer auto loan portfolio and the purchased student loan portfolio; the effects of diversifying the loan portfolio; strategic business initiatives; management's efforts to reposition the balance sheet; deposit growth; levels and sources of liquidity; use of proceeds from the sale of securities; future levels of charge-offs or net recoveries; the impact of increases in NPAs on future earnings; write-downs and expected sales of other real estate owned; and changes in interest rates.

Factors that could have a material adverse effect on the operations and future prospects of Old Point include, but are not limited to, changes in: interest rates and yields; general economic and business conditions, including unemployment levels and the impact of any prolonged federal government shutdown; demand for loan products; the legislative/regulatory climate; monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board and any changes associated with the current administration; the quality or composition of the loan or securities portfolios; changes in the volume and mix of interest-earning assets and interest-bearing liabilities; the effects of management's investment strategy and strategy to manage the net interest margin; the U.S. Government's guarantee of repayment of student loans purchased by Old Point; the level of net charge-offs on loans; deposit flows; competition; demand for financial services in Old Point's market area; technology; cyber threats, attacks and events; reliance on third parties for key services; the use of inaccurate assumptions in management's modeling systems; the real estate market; accounting principles, policies and guidelines; and other factors detailed in Old Point's publicly filed documents, including its Annual Report on Form 10-K for the year ended December 31, 2017. These risks and uncertainties should be considered in evaluating the forward-looking statements contained herein, and readers are cautioned not to place undue reliance on such statements, which speak only as of date of the release.

Old Point Financial Corporation ("OPOF" - Nasdaq) is the parent company of The Old Point National Bank of Phoebus, a locally owned and managed community bank serving all of Hampton Roads and Old Point Trust & Financial Services, N.A., a Hampton Roads wealth management services provider. Web: www.oldpoint.com. For more information, contact Jeff Farrar, Chief Financial Officer & Senior Vice President/Finance of Old Point Financial Corporation at 757-728-1248, or Laura Wright, Vice President/Marketing Director, Old Point National Bank at 757-728-1743.

Old Point Financial Corporation and Subsidiaries
Consolidated Balance Sheets	December 31,			December 31,
(dollars in thousands, except per share data)	2018			2017
	(unaudited)
Assets

Cash and due from banks	$	19,915		$	13,420
Interest-bearing due from banks		20,000			908
Federal funds sold		2,302			84
Cash and cash equivalents		42,217			14,412
Securities available-for-sale, at fair value		148,247			157,121
Restricted securities, at cost		3,853			3,846
Loans held for sale		479			779
Loans, net		763,898			729,092
Premises and equipment, net		36,738			37,197
Bank-owned life insurance		26,763			25,981
Goodwill		1,650			621
Other real estate owned, net		83			-
Core deposit intangible, net		407			-
Other assets		13,848			12,777
Total assets	$	1,038,183		$	981,826

Liabilities & Stockholders' Equity

Deposits:
Noninterest-bearing deposits	$	246,265		$	225,716
Savings deposits		367,915			345,053
Time deposits		228,964			212,825
Total deposits		843,144			783,594
Federal funds purchased and other short-term borrowings		-			10,000
Overnight repurchase agreements		25,775			20,693
Federal Home Loan Bank advances		60,000			67,500
Other borrowings		2,550			-
Accrued expenses and other liabilities		4,708			3,651
Total liabilities		936,177			885,438

Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,184,289 and 5,019,703 shares outstanding (includes 13,689 and 2,245 shares of nonvested restricted stock, respectively)		25,853			25,087
Additional paid-in capital		20,698			17,270
Retained earnings		57,611			54,738
Accumulated other comprehensive loss, net		(2,156	)		(707	)
Total stockholders' equity		102,006			96,388
Total liabilities and stockholders' equity	$	1,038,183		$	981,826

Old Point Financial Corporation and Subsidiaries
Consolidated Statements of Income (unaudited)	Three Months Ended							Twelve Months Ended
(dollars in thousands, except per share data)	Dec. 31, 2018		Sep. 30, 2018		Dec. 31, 2017			Dec. 31, 2018		Dec. 31, 2017

Interest and Dividend Income:
Loans, including fees	$	8,998	$	8,865	$	7,659		$	34,446	$	29,191
Due from banks		104		68		3			198		15
Federal funds sold		6		5		2			21		8
Securities:
Taxable		576		510		490			2,080		1,964
Tax-exempt		285		291		369			1,221		1,601
Dividends and interest on all other securities		81		75		56			291		155
Total interest and dividend income		10,050		9,814		8,579			38,257		32,934

Interest Expense:
Savings deposits		219		164		102			628		342
Time deposits		828		774		609			2,916		2,208
Federal funds purchased, securities sold under
agreements to repurchase and other borrowings		37		41		12			131		38
Federal Home Loan Bank advances		364		320		191			1,294		424
Total interest expense		1,448		1,299		914			4,969		3,012
Net interest income		8,602		8,515		7,665			33,288		29,922
Provision for loan losses		1,012		749		1,235			2,861		4,160
Net interest income after provision for loan losses		7,590		7,766		6,430			30,427		25,762

Noninterest Income:
Fiduciary and asset management fees		922		904		967			3,726		3,786
Service charges on deposit accounts		1,115		1,095		1,030			4,157		3,874
Other service charges, commissions and fees		880		873		870			3,547		3,431
Bank-owned life insurance income		197		202		179			782		774
Mortgage banking income		171		240		183			788		645
Gain on sale of available-for-sale securities, net		-		-		8			120		96
Gain on acquisition of Old Point Mortgage		-		-		-			-		550
Other operating income		47		59		36			151		151
Total noninterest income		3,332		3,373		3,273			13,271		13,307

Noninterest Expense:
Salaries and employee benefits		5,561		5,608		5,213			22,580		20,863
Pension termination settlement		-		-		3,350			-		3,350
Occupancy and equipment		1,499		1,557		1,518			6,021		5,864
Data processing		334		317		284			1,327		1,032
FDIC insurance		164		160		156			701		478
Customer development		151		143		123			611		575
Professional services		788		482		668			2,296		2,069
Employee professional development		154		195		143			749		794
Other taxes		134		134		141			580		563
ATM and other losses		50		103		232			407		667
Loss (gain) on other real estate owned		-		-		-			86		(18	)
Merger expenses		12		48		241			655		241
Other operating expenses		593		680		615			2,487		2,717
Total noninterest expense		9,440		9,427		12,684			38,500		39,195
Income before income taxes		1,482		1,712		(2,981	)		5,198		(126	)
Income tax expense (benefit)		94		115		(92	)		279		(97	)
Net income (loss)	$	1,388	$	1,597	$	(2,889	)	$	4,919	$	(29	)

Basic Earnings per Share:
Weighted average shares outstanding		5,183,720		5,182,181		5,018,093			5,141,364		4,991,060
Net income (loss) per share of common stock	$	0.27	$	0.31	$	(0.58	)	$	0.96	$	(0.01	)

Diluted Earnings per Share:
Weighted average shares outstanding		5,183,909		5,182,181		5,018,093			5,141,429		4,991,060
Net income (loss) per share of common stock	$	0.27	$	0.31	$	(0.58	)	$	0.96	$	(0.01	)

Cash Dividends Declared per Share:	$	0.11	$	0.11	$	0.11		$	0.44	$	0.44

Old Point Financial Corporation and Subsidiaries
Average Balance Sheets, Net Interest Income And Rates
(unaudited)
	For the quarter ended December 31,
(dollars in thousands)	2018								2017
				Interest								Interest
	Average			Income/		Yield/			Average			Income/		Yield/
	Balance			Expense		Rate**			Balance			Expense		Rate**
ASSETS
Loans*	$	774,476		$	9,013		4.66	%	$	719,619		$	7,691		4.27	%
Investment securities:
Taxable		98,258			576		2.34	%		98,444			490		1.99	%
Tax-exempt*		46,595			360		3.09	%		61,849			559		3.62	%
Total investment securities		144,853			936		2.58	%		160,293			1,049		2.62	%
Interest-bearing due from banks		17,898			104		2.35	%		873			3		1.37	%
Federal funds sold		1,109			6		2.16	%		402			2		1.99	%
Other investments		3,855			81		8.30	%		3,160			56		7.09	%
Total earning assets		942,191		$	10,140		4.31	%		884,347		$	8,801		3.98	%
Allowance for loan losses		(10,495	)							(9,246	)
Other non-earning assets		104,300								93,189
Total assets	$	1,035,996							$	968,290

LIABILITIES AND STOCKHOLDERS' EQUITY
Time and savings deposits:
Interest-bearing transaction accounts	$	28,505		$	3		0.03	%	$	27,279		$	2		0.03	%
Money market deposit accounts		252,427			194		0.31	%		229,880			89		0.15	%
Savings accounts		87,350			22		0.10	%		84,984			11		0.05	%
Time deposits		231,430			828		1.43	%		213,866			609		1.14	%
Total time and savings deposits		599,712			1,047		0.70	%		556,009			711		0.51	%
Federal funds purchased, repurchase
agreements and other borrowings		22,448			37		0.66	%		28,886			12		0.17	%
Federal Home Loan Bank advances		60,000			364		2.43	%		51,358			191		1.49	%
Total interest-bearing liabilities		682,160			1,448		0.85	%		636,253			914		0.57	%
Demand deposits		249,105								229,466
Other liabilities		3,775								5,011
Stockholders' equity		100,956								97,560
Total liabilities and stockholders' equity	$	1,035,996							$	968,290
Net interest margin				$	8,692		3.69	%				$	7,887		3.57	%

*Computed on a fully tax-equivalent basis using a 21% rate in 2018 and a 34% rate in prior periods
**Annualized

Old Point Financial Corporation and Subsidiaries
Average Balance Sheets, Net Interest Income And Rates
(unaudited)
	For the twelve months ended December 31,
(dollars in thousands)	2018								2017
				Interest								Interest
	Average			Income/		Yield/			Average			Income/		Yield/
	Balance			Expense		Rate			Balance			Expense		Rate
ASSETS
Loans*	$	768,960		$	34,504		4.49	%	$	673,015		$	29,318		4.36	%
Investment securities:
Taxable		95,752			2,080		2.17	%		102,644			1,964		1.91	%
Tax-exempt*		50,426			1,547		3.07	%		67,403			2,426		3.60	%
Total investment securities		146,178			3,627		2.48	%		170,047			4,390		2.58	%
Interest-bearing due from banks		9,358			198		2.12	%		1,343			15		1.12	%
Federal funds sold		1,150			21		1.83	%		921			8		0.87	%
Other investments		4,083			291		7.13	%		2,348			154		6.56	%
Total earning assets		929,729		$	38,641		4.16	%		847,674		$	33,886		4.00	%
Allowance for loan losses		(10,254	)							(8,950	)
Other nonearning assets		101,100								100,322
Total assets	$	1,020,575							$	939,046

LIABILITIES AND STOCKHOLDERS' EQUITY
Time and savings deposits:
Interest-bearing transaction accounts	$	28,246		$	10		0.04	%	$	27,909		$	10		0.04	%
Money market deposit accounts		242,025			542		0.22	%		233,295			291		0.12	%
Savings accounts		87,534			76		0.09	%		82,872			41		0.05	%
Time deposits		228,800			2,916		1.27	%		208,095			2,208		1.06	%
Total time and savings deposits		586,605			3,544		0.60	%		552,171			2,550		0.46	%
Federal funds purchased, repurchase
agreements and other borrowings		28,427			131		0.46	%		25,743			38		0.15	%
Federal Home Loan Bank advances		66,151			1,294		1.96	%		32,301			424		1.31	%
Total interest-bearing liabilities		681,183			4,969		0.73	%		610,215			3,012		0.49	%
Demand deposits		236,249								226,951
Other liabilities		3,378								5,359
Stockholders' equity		99,765								96,521
Total liabilities and stockholders' equity	$	1,020,575							$	939,046
Net interest margin				$	33,672		3.62	%				$	30,874		3.64	%

*Computed on a fully tax-equivalent basis using a 21% rate in 2018 and a 34% rate in prior periods

Old Point Financial Corporation and Subsidiaries	As of or for the quarter ended,
Selected Ratios (unaudited)	December 31,			September 30,			December 31,
(dollars in thousands, except per share data)	2018			2018			2017

Earnings per common share, diluted	$	0.27		$	0.31		$	(0.58	)
Return on average assets (ROA)		0.54	%		0.62	%		-1.19	%
Return on average equity (ROE)		5.50	%		6.36	%		-11.85	%
Net Interest Margin (FTE)		3.69	%		3.67	%		3.57	%
Non-performing assets (NPAs) / total assets		1.42	%		1.70	%		1.64	%
Annualized Net Charge Offs / average total loans		0.58	%		0.20	%		0.41	%
Allowance for loan losses / total loans		1.31	%		1.31	%		1.28	%
Efficiency ratio (FTE)		78.51	%		78.69	%		113.66	%

Non-Performing Assets (NPAs)
Nonaccrual loans	$	12,141		$	13,009		$	12,882
Loans > 90 days past due, but still accruing interest		2,497			4,314			3,182
Other real estate owned		83			133			-
Total non-performing assets	$	14,721		$	17,456		$	16,064

Other Selected Numbers
Loans, net	$	763,898		$	769,204		$	729,092
Deposits		843,144			841,311			783,594
Stockholders equity		102,006			99,575			96,388
Total assets		1,038,183			1,025,440			981,826
Loans charged off during the quarter, net of recoveries		1,132			391			738
Quarterly average loans		774,476			777,955			719,619
Quarterly average assets		1,035,996			1,030,566			968,290
Quarterly average earning assets		942,191			937,106			884,347
Quarterly average deposits		848,816			833,937			785,475
Quarterly average equity		100,956			100,447			97,560

Reconciliations of GAAP Measures to Non-GAAP Measures (unaudited)
	Three Months Ended									Twelve Months Ended
	Dec. 31, 2018			Sep. 30, 2018			Dec. 31, 2017			Dec. 31, 2018			Dec. 31, 2017

Net income (loss)	$	1,388		$	1,597		$	(2,889	)	$	4,919		$	(29	)
Plus: Merger-related costs, excluding severance (after tax)		12			48			241			655			241
Merger-related severance costs (after tax)		-			-			-			88			-
Compensation expense for benefit plan termination (after tax)		-			-			2,211			-			2,211
Tax expenses for tax asset revaluation		-			-			1,218			-			1,218
Less: Gain on acquisition of Old Point Mortgage (after tax)		-			-			-			-			(363	)
Net operating earnings		1,400			1,645			781			5,662			3,278

Weighted average shares outstanding (assuming dilution)		5,183,909			5,182,181			5,018,093			5,141,429			4,991,060
Earnings per share (GAAP)	$	0.27		$	0.31		$	(0.58	)	$	0.96		$	(0.01	)
Net operating earnings per share (non-GAAP)		0.27			0.32			0.16			1.10			0.66

Average assets	$	1,035,996		$	1,030,566		$	968,290		$	1,020,576		$	939,045
ROA (GAAP)		0.54	%		0.62	%		-1.19	%		0.48	%		0.00	%
Net operating ROA (non-GAAP)		0.54	%		0.64	%		0.32	%		0.55	%		0.35	%

Average shareholders equity	$	100,956		$	100,447		$	97,560		$	99,765		$	96,521
ROE (GAAP)		5.50	%		6.36	%		-11.85	%		4.93	%		-0.03	%
Net operating ROE (non-GAAP)		5.55	%		6.55	%		3.20	%		5.68	%		3.40	%

Efficiency ratio (FTE)		78.51	%		78.69	%		113.66	%		82.02	%		88.72	%
Operating efficiency ratio (FTE)		78.41	%		78.29	%		81.48	%		80.38	%		81.60	%