VABK: the balance sheet

MyFinsight

For the quarter ending 2025-09-30, VABK has $1,606,432K in assets. $1,429,073K in debts.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Balance Sheets	2025-09-30	2025-06-30
Cash and due from banks	6,166	5,999
Interest-bearing deposits in other banks	8,965	9,840
Federal funds sold	7,964	22,683
Available for sale, at fair value	252,952	254,909
Restricted securities, at cost	6,647	8,120
Total securities	259,599	263,029
Loans, net of deferred fees and costs	1,235,000	1,241,712
Allowance for credit losses	8,510	8,347
Loans, net	1,226,490	1,233,365
Premises and equipment, net	11,775	12,204
Bank owned life insurance	40,977	40,659
Goodwill	7,768	7,768
Core deposit intangible, net-Core Deposits	2,942	3,213
Right of use asset, net	6,666	7,032
Deferred tax asset, net	13,097	14,084
Accrued interest receivable and other assets	14,023	15,046
Total assets	1,606,432	1,634,922

Noninterest bearing	361,568	384,538
Interest bearing	260,424	266,012
Money market and savings deposit accounts	460,160	457,077
Certificates of deposit and other time deposits	302,736	281,438
Total deposits	1,384,888	1,389,065
Federal funds purchased	0	0
Borrowings	30,000	61,000
Junior subordinated debt, net	3,542	3,530
Lease liability	6,542	6,888
Accrued interest payable and other liabilities	4,101	3,667
Preferred stock, 2.50 par value	-	0
Total liabilities	1,429,073	1,464,150
Common stock, 2.50 par value	13,318	13,318
Capital surplus	107,076	106,834
Retained earnings	90,149	87,514
Accumulated other comprehensive loss	-33,184	-36,894
Total shareholders' equity	177,359	170,772
Total liabilities and shareholders' equity	1,606,432	1,634,922

Unit: Thousand (K) dollars