VABK Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	60.06	17.1	28.39	40.14	508.84
Investment Securities	258.54	130.73	267.85	371.11	132.85
Mortgage-Backed Securities	-	132.81	155.14	167.08	170.96
Total Investments	258.54	263.54	423	538.19	303.82
Gross Loans	1,238	1,236	1,093	936.42	1,061
Allowance for Loan Losses	-8.27	-8.46	-8.4	-5.55	-5.98
Net Loans	1,229	1,228	1,084	930.86	1,055
Property, Plant & Equipment	17.98	20.93	22.94	24.34	32.68
Goodwill	7.77	7.77	7.77	7.77	8.14
Other Intangible Assets	2.68	3.79	5.09	6.59	8.55
Accrued Interest Receivable	13.84	6.43	6.18	4.88	3.78
Other Current Assets	-	-	-	0.97	-
Long-Term Deferred Tax Assets	12.08	15.41	15.38	17.32	4.84
Other Real Estate Owned & Foreclosed	-	-	-	-	0.61
Other Long-Term Assets	47.47	54.35	53	52.32	45.71
Total Assets	1,650	1,617	1,646	1,623	1,972
Interest Bearing Deposits	1,069	947.37	929.64	953.79	1,229
Institutional Deposits	-	102.1	106.6	28.9	45.3
Non-Interest Bearing Deposits	362.32	374.08	372.86	495.65	522.28
Total Deposits	1,432	1,424	1,409	1,478	1,796
Short-Term Borrowings	20	20.24	69.96	-	0.01
Current Portion of Leases	-	1.5	-	-	-
Accrued Interest Payable	4.1	1.84	2.14	0.16	0.17
Long-Term Debt	-	-	-	0.51	-
Long-Term Leases	6.19	3.89	6.5	6.17	7.11
Trust Preferred Securities	3.55	3.51	3.46	2.91	3.37
Pension & Post-Retirement Benefits	-	0.12	-	-	-
Other Long-Term Liabilities	-	1.89	1.81	1.86	3.37
Total Liabilities	1,466	1,457	1,493	1,490	1,810
Common Stock	13.33	13.26	13.26	13.21	13.18
Additional Paid-In Capital	107.34	106.39	106.05	105.34	104.58
Retained Earnings	94.17	82.51	73.78	63.48	46.44
Comprehensive Income & Other	-30.67	-41.86	-40.04	-48.62	-2.21
Shareholders' Equity	184.16	160.3	153.04	133.42	161.99
Total Liabilities & Equity	1,650	1,617	1,646	1,623	1,972
Total Debt	29.75	29.13	79.93	9.59	10.48
Net Cash (Debt)	40.87	-12.03	-51.54	30.55	498.36
Net Cash Growth	-	-	-	-93.87%	44959.40%
Net Cash Per Share	7.54	-2.23	-9.59	5.71	106.14
Filing Date Shares Outstanding	5.39	5.39	5.39	5.34	5.33
Total Common Shares Outstanding	5.39	5.37	5.37	5.34	5.31
Book Value Per Share	34.15	29.85	28.52	25.00	30.52
Tangible Book Value	173.71	148.74	140.18	119.06	145.3
Tangible Book Value Per Share	32.21	27.69	26.12	22.31	27.37

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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