VBFC Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	-	17.71	16.68	92.62	43.45
Investment Securities	79.17	33.05	73.29	54.2	16.84
Trading Asset Securities	-	0.27	-	0.47	1.6
Mortgage-Backed Securities	-	72.54	60.56	40.5	24.01
Total Investments	79.17	105.86	133.85	95.17	42.44
Gross Loans	619.48	575.81	539.02	526.46	561
Allowance for Loan Losses	-3.7	-3.42	-3.37	-3.42	-3.97
Other Adjustments to Gross Loans	-	-	-	-0.43	-2.05
Net Loans	615.78	572.39	535.65	522.6	554.99
Property, Plant & Equipment	-	12.58	11.75	12.74	12.7
Loans Held for Sale	4.3	4.98	2.27	5.14	34.42
Accrued Interest Receivable	-	3.83	3.65	3.25	4.94
Long-Term Deferred Tax Assets	-	3.04	-	1.97	2.36
Other Real Estate Owned & Foreclosed	-	-	-	-	0.34
Other Long-Term Assets	56.92	16.23	19.43	14.92	10.6
Total Assets	756.17	736.62	723.27	748.4	706.24
Interest Bearing Deposits	378.89	348.58	364.77	388.27	350.06
Institutional Deposits	-	9.15	4.74	6.98	16.01
Non-Interest Bearing Deposits	240.53	247.62	255.24	268.8	222.31
Total Deposits	619.42	605.35	624.74	664.05	588.38
Short-Term Borrowings	-	0.51	0.21	0.65	3.1
Current Portion of Leases	-	0.31	-	-	-
Accrued Interest Payable	-	0.21	0.07	0.07	0.19
Long-Term Debt	59.46	5.7	5.69	5.66	47.16
Federal Home Loan Bank Debt, Long-Term	-	45	20	-	-
Long-Term Leases	-	0.53	1.12	0.93	0.93
Trust Preferred Securities	-	8.76	8.76	8.76	8.76
Other Long-Term Liabilities	3.54	2.69	1.56	4.88	5.71
Total Liabilities	682.43	669.06	662.16	685	654.24
Common Stock	73.74	5.91	5.87	5.82	5.79
Additional Paid-In Capital	-	55.49	55.17	54.81	54.51
Retained Earnings	-	11.78	10.96	3.51	-8.74
Comprehensive Income & Other	-	-5.61	-10.88	-0.74	0.43
Total Common Equity	73.74	67.56	61.11	63.4	52
Shareholders' Equity	73.74	67.56	61.11	63.4	52
Total Liabilities & Equity	756.17	736.62	723.27	748.4	706.24
Total Debt	59.46	60.82	35.79	16.01	59.95
Net Cash (Debt)	-59.46	-42.83	-19.11	77.08	-14.9
Net Cash Per Share	-39.74	-28.82	-12.94	52.51	-10.21
Filing Date Shares Outstanding	1.5	1.49	1.48	1.47	1.47
Total Common Shares Outstanding	1.5	1.49	1.48	1.47	1.47
Book Value Per Share	49.22	45.25	41.21	43.03	35.46
Tangible Book Value	73.74	67.56	61.11	63.4	52
Tangible Book Value Per Share	49.22	45.25	41.21	43.03	35.46

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

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