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Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2012
Regulatory Matters [Abstract]  
Actual and required capital amounts and ratios
As of December 31, 2012, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2012 and 2011 are also presented in the table.


 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum
 
 
 
 
 
 
 
 
 
 
 
 
 
 
To Be Well
 
 
 
 
 
 
 
 
Minimum
 
 
Capitalized Under
 
 
 
 
 
 
 
 
Capital
 
 
Prompt Corrective
 
 
Capital
 
 
Requirement
 
 
Action Provisions
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
Amount
 
 
Ratio
 
 
(in thousands)
 
December 31, 2012:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Consolidated
 
$
96,648
 
 
 
16.89
%
 
$
45,789
 
 
 
8.00
%
 
 
N/A
 
 
 
N/A
 
   Old Point National Bank
 
 
90,942
 
 
 
15.93
%
 
 
45,668
 
 
 
8.00
%
 
$
57,085
 
 
 
10.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Consolidated
 
 
89,491
 
 
 
15.64
%
 
 
22,895
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
   Old Point National Bank
 
 
83,804
 
 
 
14.68
%
 
 
22,834
 
 
 
4.00
%
 
 
34,251
 
 
 
6.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Capital to Average Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Consolidated
 
 
89,491
 
 
 
10.09
%
 
 
35,466
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
   Old Point National Bank
 
 
83,804
 
 
 
9.50
%
 
 
35,302
 
 
 
4.00
%
 
 
44,128
 
 
 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Consolidated
 
$
93,680
 
 
 
15.71
%
 
$
47,698
 
 
 
8.00
%
 
 
N/A
 
 
 
N/A
 
   Old Point National Bank
 
 
88,410
 
 
 
14.85
%
 
 
47,627
 
 
 
8.00
%
 
$
59,534
 
 
 
10.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Consolidated
 
 
86,214
 
 
 
14.46
%
 
 
23,849
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
   Old Point National Bank
 
 
80,955
 
 
 
13.60
%
 
 
23,814
 
 
 
4.00
%
 
 
35,720
 
 
 
6.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Capital to Average Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Consolidated
 
 
86,214
 
 
 
10.17
%
 
 
33,900
 
 
 
4.00
%
 
 
N/A
 
 
 
N/A
 
   Old Point National Bank
 
 
80,955
 
 
 
9.60
%
 
 
33,729
 
 
 
4.00
%
 
 
42,161
 
 
 
5.00
%