For the quarter ending 2025-09-30, VABK had -$15,427K decrease in cash & cash equivalents over the period. $6,045K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net interest income after provision for (recovery of) credit losses | 37,987 | - |
| Total noninterest income | 4,421 | - |
| Salaries and employee benefits | 11,708 | - |
| Net occupancy | 2,777 | - |
| Equipment | 569 | - |
| Non Interest Expense Bank Franchise Tax | 1,266 | - |
| Bank franchise tax | 1,266 | - |
| Non Interest Expense Computer Software | 825 | - |
| Computer software | 825 | - |
| Data processing | 2,044 | - |
| Federal Deposit Insurance Corporation Premium Expense | 545 | - |
| Fdic deposit insurance assessment | 545 | - |
| Marketing And Advertising Expense | 604 | - |
| Marketing, advertising and promotion | 604 | - |
| Professional fees | 843 | - |
| Core Deposit Intangible Amortization | 850 | - |
| Core deposit intangible amortization | 850 | - |
| Other | 3,877 | - |
| Total noninterest expense | 25,908 | - |
| Income before income taxes | 16,500 | - |
| Corporate | 1,142 | - |
| VNBTrust And Estate Services | -31 | - |
| Provision for (benefit from) income taxes | 3,197 | - |
| Net income | 4,576 | 8,727 |
| Provision for (recovery of) credit losses | 331 | -157 |
| Net accretion of certain acquisition-related adjustments | 470 | 1,038 |
| Amortization of intangible assets | 271 | 579 |
| Net amortization of securities | -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 | 0 | 278 |
| Earnings on bank owned life insurance | 318 | 600 |
| Depreciation and other amortization | -458 | 1,553 |
| Stock option expense | 31 | 69 |
| Restricted stock expense | 211 | 426 |
| Accrued interest receivable and other assets | -1,023 | 527 |
| Accrued interest payable and other liabilities | 576 | -322 |
| Net cash provided by operating activities | 5,978 | 8,830 |
| Net (increase) decrease in restricted investments | -1,473 | 1,927 |
| Proceeds from maturities, calls, sales and principal payments of available for sale securities | 6,451 | 14,519 |
| Net change in loans | -7,722 | 5,328 |
| Proceeds from sale of premises and equipment | 0 | 3,047 |
| Purchase of bank premises and equipment | -67 | 285 |
| Net cash provided by investing activities | 15,713 | 10,026 |
| Net change in demand deposits, money market and savings accounts | -25,475 | -7,476 |
| Net change in certificates of deposit and other time deposits | 21,298 | -27,005 |
| Net change in federal funds purchased | 0 | 236 |
| Net change in other borrowings | -31,000 | 41,000 |
| Repurchase of shares of stock | 0 | 0 |
| Cash dividends paid | 1,941 | 3,720 |
| Net cash (used in) financing activities | -37,118 | 2,563 |
| Net increase (decrease) in cash and cash equivalents | -15,427 | 21,419 |
| Cash and cash equivalents at beginning of period | 17,103 | - |
| Cash and cash equivalents at end of period | 23,095 | - |
Virginia National Bankshares Corp (VABK)
Virginia National Bankshares Corp (VABK)