For the quarter ending 2026-03-31, VABK had $260K increase in cash & cash equivalents over the period. -$7,553K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net interest income after recovery of credit losses | -24,745 | 37,987 | - |
| Total noninterest income | -2,932 | 4,421 | - |
| Salaries and employee benefits | -7,709 | 11,708 | - |
| Net occupancy | -1,998 | 2,777 | - |
| Equipment Expense | -372 | - | - |
| Equipment | -383 | 569 | - |
| Non Interest Expense Bank Franchise Tax | -798 | 1,266 | - |
| Bank franchise tax | -798 | 1,266 | - |
| Non Interest Expense Computer Software | -611 | 825 | - |
| Computer software | -611 | 825 | - |
| Data processing | -1,494 | 2,044 | - |
| Federal Deposit Insurance Corporation Premium Expense | -370 | 545 | - |
| Fdic deposit insurance assessment | -370 | 545 | - |
| Marketing And Advertising Expense | - | 604 | - |
| Marketing, advertising and promotion | -337 | 604 | - |
| Professional fees | -495 | 843 | - |
| Core Deposit Intangible Amortization | -603 | 850 | - |
| Core deposit intangible amortization | -603 | 850 | - |
| Other | -2,911 | 3,877 | - |
| Total noninterest expense | -17,709 | 25,908 | - |
| Income before income taxes | -9,968 | 16,500 | - |
| Corporate | -1,989 | 1,142 | - |
| VNBTrust And Estate Services | 65 | -31 | - |
| Provision for (benefit from) income taxes | -1,924 | 3,197 | - |
| Net income | -8,044 | 4,576 | 8,727 |
| Recovery of credit losses | -510 | 331 | -157 |
| Net accretion of certain acquisition-related adjustments | -1,110 | 470 | 1,038 |
| Amortization of intangible assets | -603 | 271 | 579 |
| Net amortization of securities | 412 | -205 | -398 |
| Net losses on sale of afs | - | 0 | 0 |
| Net gain on early redemption of debt | - | 0 | 0 |
| Net gains on sale of assets | -273 | 0 | 278 |
| Earnings on bank owned life insurance | -599 | 318 | 600 |
| Depreciation and other amortization | -548 | -458 | 1,553 |
| Stock option expense | -96 | 31 | 69 |
| Restricted stock expense | -339 | 211 | 426 |
| Accrued interest receivable and other assets | -183 | -1,023 | 527 |
| Accrued interest payable and other liabilities | 823 | 576 | -322 |
| Net cash provided by operating activities | -7,564 | 5,978 | 8,830 |
| Net (increase) decrease in restricted investments | -431 | -1,473 | 1,927 |
| Proceeds from maturities, calls, sales and principal payments of available for sale securities | -15,209 | 6,451 | 14,519 |
| Net change in loans | 2,029 | -7,722 | 5,328 |
| Proceeds from sale of premises and equipment | -2,983 | 0 | 3,047 |
| Purchase of bank premises and equipment | -11 | -67 | 285 |
| Net cash provided by investing activities | -19,779 | 15,713 | 10,026 |
| Net change in other borrowings | - | -31,000 | 41,000 |
| Net change in demand deposits, money market and savings accounts | 32,755 | -25,475 | -7,476 |
| Repurchase of shares of stock | - | 0 | 0 |
| Net change in certificates of deposit and other time deposits | 900 | 21,298 | -27,005 |
| Net change in federal funds purchased | -236 | 0 | 236 |
| Cash dividends paid | -3,712 | 1,941 | 3,720 |
| Net cash (used in) provided by financing activities | 27,603 | -37,118 | 2,563 |
| Net increase in cash and cash equivalents | 260 | -15,427 | 21,419 |
| Beginning of period | 47,519 | 17,103 | - |
| End of period | 53,771 | 23,095 | - |