0000950170-23-054248.txt : 20231020 0000950170-23-054248.hdr.sgml : 20231020 20231020083147 ACCESSION NUMBER: 0000950170-23-054248 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20231020 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231020 DATE AS OF CHANGE: 20231020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Virginia National Bankshares Corp CENTRAL INDEX KEY: 0001572334 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 000000000 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-40305 FILM NUMBER: 231336005 BUSINESS ADDRESS: STREET 1: 404 PEOPLE PLACE CITY: CHARLOTTESVILLE STATE: VA ZIP: 22911 BUSINESS PHONE: 434-817-7676 MAIL ADDRESS: STREET 1: 404 PEOPLE PLACE CITY: CHARLOTTESVILLE STATE: VA ZIP: 22911 8-K 1 vabk-20231020.htm 8-K 8-K
0001572334false00015723342023-10-202023-10-20

 

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 20, 2023

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

(Exact name of Registrant as Specified in Its Charter)

 

 

Virginia

001-40305

46-2331578

(State or Other Jurisdiction
of Incorporation)

(Commission File Number)

(IRS Employer
Identification No.)

 

 

 

 

 

404 People Place

 

Charlottesville, Virginia

 

22911

(Address of Principal Executive Offices)

 

(Zip Code)

 

Registrant’s Telephone Number, Including Area Code: (434) 817-8621

 

 

(Former Name or Former Address, if Changed Since Last Report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class

 

Trading
Symbol(s)

 


Name of each exchange on which registered

Common Stock

 

VABK

 

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

Item 2.02 Results of Operations and Financial Condition.

On October 20, 2023, Virginia National Bankshares Corporation (the “Company”) issued a press statement announcing the consolidated earnings for the quarter ended September 30, 2023.

A copy of the press statement is furnished as Exhibit 99.1 to this Form 8-K and incorporated herein by reference.

The information in this Form 8-K, and the exhibit hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description of Exhibit

99.1

Press statement issued by Virginia National Bankshares Corporation on October 20, 2023.

 

 

 104

 Cover Page Interactive Data File (embedded within the Inline XBRL document).

 

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

 

 

 

 

Date:

October 20, 2023

By:

/s/ Tara Y. Harrison

 

 

 

Tara Y. Harrison
Executive Vice President and Chief Financial Officer

 

 EX-99.1 2 vabk-ex99_1.htm EX-99.1 EX-99.1

 

Exhibit 99.1

img2203825_0.jpg 

FOR IMMEDIATE RELEASE

INVESTOR RELATIONS CONTACT:

 

Tara Y. Harrison (434) 817-8587

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

ANNOUNCES THIRD QUARTER 2023 EARNINGS

Charlottesville, VA – October 20, 2023 - Virginia National Bankshares Corporation (NASDAQ: VABK) (the “Company”) today reported quarterly net income of $4.7 million, or $0.86 per diluted share, for the quarter ended September 30, 2023, compared to $5.8 million, or $1.08 per diluted share, recognized for the quarter ended September 30, 2022. For the nine months ended September 30, 2023, the Company recognized net income of $16.1 million, or $2.99 per diluted share, compared to $16.4 million, or $3.06 per diluted share, for the nine months ended September 30, 2022.

Third Quarter 2023 Highlights

•
The Company continued to experience loan growth in the third quarter of 2023, resulting in a 5% increase from the prior quarter.
•
Yield on loans elevated to 5.53% for the three months ended September 30, 2023, from 4.56% for the prior year same period.
•
Credit performance remains strong with nonperforming assets as a percentage of total assets of 0.13% as of September 30, 2023, and 0.08% as of December 31, 2022 and September 30, 2022, with 92% of past due loan balances as of the current quarter-end being government-guaranteed.
•
Noninterest expense for the three months ended September 30, 2023 decreased $1.2 million, or 12%, compared to the three months ended September 30, 2022, due to continued efficiencies gained from the merger, including: reduced headcount resulting in lower salaries and employee benefit costs; lower occupancy costs from right-sizing our branch network; and reduced professional fees.
•
The Company had no brokered deposits as of September 30, 2023 or December 31, 2022. The Company utilizes a third-party to offer multi-million-dollar FDIC insurance to customers with balances in excess of single-bank limits through Insured Cash Sweep® (ICS) plans. Deposit balances held in ICS plans amounted to $128.7 million as of September 30, 2023 and $134.6 million as of December 31, 2022.
•
Total deposits declined $108.0 million, or 7.3% from December 31, 2022 to September 30, 2023, as many customers moved funds outside of the Bank to earn higher yields while the Bank's strategy was to keep cost of funds low during the first quarter of the year. Deposit balances increased $22.2 million, or 1.6%, from June 30, 2023 to September 30, 2023, as the Bank's strategy shifted to meet customer rate demands.
•
Correlated with the year-to-date deposit decline noted above, borrowings increased from December 31, 2022 to September 30, 2023 by $43.0 million. As of September 30, 2023, the Company had unused borrowing facilities in place of approximately $143.4 million and management closely monitors its liquidity position.
•
Return on average assets ("ROAA") for the three months ended September 30, 2023 amounted to 1.18% compared to 1.30% realized in the same period in the prior year.
•
Return on average equity (“ROAE”) for the three months ended September 30, 2023 was 12.91% compared to 16.50% realized in same period in the prior year. The change is due to the net income declining by $1.1 million, combined with the increase in accumulated other comprehensive loss of $5.4 million period over period related to unrealized losses in the securities portfolio as a result of the increased rate environment.
•
The efficiency ratio on a fully tax equivalent basis (“FTE”) (a non-GAAP financial measure)1 was 60.3% for the three months ended September 30, 2023, compared to 57.0% for the same period in the prior year.

__________________________________________________________________

1 See "Reconciliation of Certain Quarterly Non-GAAP Financial Measures" at the end of this release.

 

Page 1 of 9

 

 

Loans and Asset Quality

•
Gross loans outstanding as of September 30, 2023 totaled $1.0 billion, an increase of $84.1 million, or 9.0%, compared to December 31, 2022.
•
Nonperforming assets amounted to $2.0 million as of September 30, 2023, compared to $1.4 million as of December 31, 2022 and $1.5 million as of September 30, 2022; the Company currently holds no other real estate owned.
o
Six loans to five borrowers are in non-accrual status, totaling $1.1 million, as of September 30, 2023, compared to $673 thousand as of December 31, 2022 and $607 thousand as of September 30, 2022. The adoption of CECL altered the manner in which purchased loans that were in non-accrual status are presented, and as a result, two such loans totaling $501 thousand are now included in this figure.
o
Loans 90 days or more past due and still accruing interest amounted to $854 thousand as of September 30, 2023, compared to $705 thousand as of December 31, 2022 and $859 thousand as of September 30, 2022. The past due balance as of September 30, 2023 is comprised of two loans totaling $783 thousand which are 100% government-guaranteed, and five student loans totaling $71 thousand.
•
The period-end Allowance for Credit Losses (“ACL”) as a percentage of total loans was 0.76% as of September 30, 2023 and 0.58% as of September 30, 2022. The fair value mark that was allocated to the acquired loans was $21.3 million as of April 1, 2021, with a remaining balance of $10.0 million as of September 30, 2023. The total of the ACL and the fair value mark as a percentage of gross loans (a non-GAAP financial measure)1 amounted to 1.74% as of September 30, 2023 and 2.38% as of September 30, 2022.
•
For the three months ended September 30, 2023, the Company recorded a recovery of provision for credit losses of $73 thousand, driven by a $75 thousand recovery related to provision for unfunded commitments. The decrease in provision over the prior year is primarily the result of the increase in loan balances originating from the purchase of government-guaranteed loans for which an ACL is not deemed necessary.

Net Interest Income

•
Net interest income for the three months ended September 30, 2023 of $11.1 million decreased $3.2 million, or 22%, compared to the three months ended September 30, 2022, due primarily to the increased interest expense on deposit accounts and borrowings.
•
Net interest margin (FTE), (a non-GAAP financial measure)1, for the three months ended September 30, 2023 declined to 3.04%, compared to 3.47% for the three months ended September 30, 2022.
•
The overall cost of funds, including noninterest-bearing deposits, of 172 bps incurred in the three months ended September 30, 2023 increased 156 bps from 16 bps in the same period in the prior year. Overall, the cost of interest-bearing deposits increased period over period, from a cost of 22 bps to 226 bps.

Noninterest Income

Noninterest income for the three months ended September 30, 2023 increased $344 thousand, or 15%, compared to the three months ended September 30, 2022, primarily due to the receipt of a payout from bank owned life insurance following the death of a former employee. This was partially offset by $213 thousand of income recognized in the third quarter of the prior year related to advisory and brokerage income; this business line was sold in the fourth quarter of 2022, eliminating future income or expense related thereto.

Book Value

Book value per share was $25.29 as of September 30, 2023 and $23.65 as of September 30, 2022, and tangible book value per share (a non-GAAP financial measure)1 was $22.83 as of September 30, 2023 compared to $20.81 as of September 30, 2022. These values increased as the impact of net income outweighed the increase in unrealized losses in the investment portfolio period over period.

Income Taxes

The effective tax rate amounted to 15.0% compared to 18.0% for the three months ended September 30, 2023 and 2022, respectively, which are both lower than the statutory rate, due to the recognition of low-income housing tax credits and the effect of tax-exempt income from municipal bonds and bank owned life insurance policies. The current period effective tax rate was lower than the prior year due primarily to the non-taxability of the death proceeds from bank owned life insurance.

_____________________________________________________________________

1 See "Reconciliation of Certain Quarterly Non-GAAP Financial Measures" at the end of this release.

 

Page 2 of 9

 

 

Dividends

Cash dividends of $1.8 million, or $0.33 per share, were declared and paid during the third quarter of the current year.

About Virginia National Bankshares Corporation

Virginia National Bankshares Corporation, headquartered in Charlottesville, Virginia, is the bank holding company for Virginia National Bank. The Bank has nine banking offices throughout Fauquier and Prince William counties, three banking offices in Charlottesville and Albemarle County, and banking offices in Winchester and Richmond, Virginia. The Bank offers a full range of banking and related financial services to meet the needs of individuals, businesses and charitable organizations, including the fiduciary services of VNB Trust and Estate Services. Investment management services are offered through Masonry Capital Management, LLC, a registered investment adviser and wholly-owned subsidiary of the Company.

The Company’s common stock trades on the Nasdaq Capital Market under the symbol “VABK.” Additional information on the Company is also available at www.vnbcorp.com.

Non-GAAP Financial Measures

The accounting and reporting policies of the Company conform to U.S. generally accepted accounting principles (“GAAP”) and prevailing practices in the banking industry. However, management uses certain non-GAAP measures to supplement the evaluation of the Company’s performance. Management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s core businesses. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Reconciliations of GAAP to non-GAAP measures are included at the end of this release.

Forward-Looking Statements; Other Information

Certain statements in this release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include, without limitation, statements with respect to the Company’s operations, performance, future strategy and goals, and are often characterized by use of qualified words such as “expect,” “believe,” “estimate,” “project,” “anticipate,” “intend,” “will,” “should,” or words of similar meaning or other statements concerning the opinions or judgement of the Company and its management about future events. While Company management believes such statements to be reasonable, future events and predictions are subject to circumstances that are not within the control of the Company and its management. Actual results may differ materially from those included in the forward-looking statements due to a number of factors, including, without limitation, the effects of and changes in: inflation, interest rates, market and monetary fluctuations; liquidity and capital requirements; market disruptions including pandemics or significant health hazards, severe weather conditions, natural disasters, terrorist activities, financial crises, political crises, war and other military conflicts (including the ongoing military conflict between Russia and Ukraine and in the Middle East) or other major events, the governmental and societal responses thereto, or the prospect of these events; changes, particularly declines, in general economic and market conditions in the local economies in which the Company operates, including the effects of declines in real estate values; the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; the impact of changes in laws, regulations and guidance related to financial services including, but not limited to, taxes, banking, securities and insurance; changes in accounting principles, policies and guidelines; the financial condition of the Company’s borrowers; the Company's ability to attract, hire, train and retain qualified employees; an increase in unemployment levels; competitive pressures on loan and deposit pricing and demand; fluctuation in asset quality; assumptions that underlie the Company’s ACL; the value of securities held in the Company's investment portfolio; performance of assets under management; cybersecurity threats or attacks and the development and maintenance of reliable electronic systems; changes in technology and their impact on the marketing of new products and services and the acceptance of these products and services by new and existing customers; the willingness of customers to substitute competitors’ products and services for the Company’s products and services; the risks and uncertainties described from time to time in the Company’s press releases and filings with the SEC; and the Company’s performance in managing the risks involved in any of the foregoing. Many of these factors and additional risks and uncertainties are described in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022 and other reports filed from time to time by the Company with the Securities and Exchange Commission. These statements speak only as of the date made, and the Company does not undertake to update any forward-looking statements to reflect changes or events that may occur after this release.

Page 3 of 9

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

CONSOLIDATED BALANCE SHEETS

(dollars in thousands, except per share data)

 

 

September 30, 2023

 

 

December 31, 2022*

 

 

September 30, 2022

 

 

 

(Unaudited)

 

 

 

 

 

(Unaudited)

 

 

ASSETS

 

 

 

 

 

 

 

 

 

Cash and due from banks

$

7,416

 

 

$

20,993

 

 

$

15,773

 

 

Interest-bearing deposits in other banks

 

9,959

 

 

 

19,098

 

 

 

76,194

 

 

Federal funds sold

 

1,015

 

 

 

45

 

 

 

53,118

 

 

Securities:

 

 

 

 

 

 

 

 

 

Available for sale (AFS), at fair value

 

390,816

 

 

 

538,186

 

 

 

538,459

 

 

Restricted securities, at cost

 

7,269

 

 

 

5,137

 

 

 

5,138

 

 

Total securities

 

398,085

 

 

 

543,323

 

 

 

543,597

 

 

Loans, net of deferred fees and costs

 

1,020,518

 

 

 

936,415

 

 

 

942,347

 

 

Allowance for credit losses

 

(7,799

)

 

 

(5,552

)

 

 

(5,485

)

 

Loans, net

 

1,012,719

 

 

 

930,863

 

 

 

936,862

 

 

Premises and equipment, net

 

16,298

 

 

 

17,808

 

 

 

18,817

 

 

Assets held for sale

 

-

 

 

 

965

 

 

 

-

 

 

Bank owned life insurance

 

38,635

 

 

 

38,552

 

 

 

38,298

 

 

Goodwill

 

7,768

 

 

 

7,768

 

 

 

8,140

 

 

Core deposit intangible, net

 

5,448

 

 

 

6,586

 

 

 

6,990

 

 

Right of use asset, net

 

7,110

 

 

 

6,536

 

 

 

6,941

 

 

Deferred tax asset, net

 

19,567

 

 

 

17,315

 

 

 

17,645

 

 

Accrued interest receivable and other assets

 

38,559

 

 

 

13,507

 

 

 

11,381

 

 

Total assets

$

1,562,579

 

 

$

1,623,359

 

 

$

1,733,756

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

Liabilities:

 

 

 

 

 

 

 

 

 

Demand deposits:

 

 

 

 

 

 

 

 

 

Noninterest-bearing

$

399,158

 

 

$

495,649

 

 

$

539,134

 

 

Interest-bearing

 

287,480

 

 

 

399,983

 

 

 

417,530

 

 

Money market and savings deposit accounts

 

406,189

 

 

 

467,600

 

 

 

505,733

 

 

Certificates of deposit and other time deposits

 

277,471

 

 

 

115,106

 

 

 

134,250

 

 

Total deposits

 

1,370,298

 

 

 

1,478,338

 

 

 

1,596,647

 

 

Borrowings

 

43,000

 

 

 

-

 

 

 

-

 

 

Junior subordinated debt, net

 

3,448

 

 

 

3,413

 

 

 

3,401

 

 

Lease liability

 

6,824

 

 

 

6,173

 

 

 

6,551

 

 

Accrued interest payable and other liabilities

 

3,282

 

 

 

2,019

 

 

 

1,183

 

 

Total liabilities

 

1,426,852

 

 

 

1,489,943

 

 

 

1,607,782

 

 

Commitments and contingent liabilities

 

 

 

 

 

 

 

 

 

Shareholders' equity:

 

 

 

 

 

 

 

 

 

Preferred stock, $2.50 par value

 

-

 

 

 

-

 

 

 

-

 

 

Common stock, $2.50 par value

 

13,253

 

 

 

13,214

 

 

 

13,214

 

 

Capital surplus

 

107,752

 

 

 

105,344

 

 

 

105,095

 

 

Retained earnings

 

70,494

 

 

 

63,482

 

 

 

58,026

 

 

Accumulated other comprehensive loss

 

(55,772

)

 

 

(48,624

)

 

 

(50,361

)

 

Total shareholders' equity

 

135,727

 

 

 

133,416

 

 

 

125,974

 

 

Total liabilities and shareholders' equity

$

1,562,579

 

 

$

1,623,359

 

 

$

1,733,756

 

 

Common shares outstanding

 

5,365,982

 

 

 

5,337,271

 

 

 

5,327,271

 

 

Common shares authorized

 

10,000,000

 

 

 

10,000,000

 

 

 

10,000,000

 

 

Preferred shares outstanding

 

-

 

 

 

-

 

 

 

-

 

 

Preferred shares authorized

 

2,000,000

 

 

 

2,000,000

 

 

 

2,000,000

 

 

 

 

* Derived from audited consolidated financial statements

 

Page 4 of 9

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share data)

(Unaudited)

 

 

For the three months ended

 

 

For the nine months ended

 

 

 

September 30, 2023

 

 

September 30, 2022

 

 

September 30, 2023

 

 

September 30, 2022

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

 

Loans, including fees

 

$

13,748

 

 

$

11,024

 

 

$

41,409

 

 

$

32,403

 

Federal funds sold

 

 

133

 

 

 

299

 

 

 

143

 

 

 

662

 

Other interest-bearing deposits

 

 

64

 

 

 

618

 

 

 

442

 

 

 

973

 

Investment securities:

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 

2,848

 

 

 

2,626

 

 

 

8,674

 

 

 

5,300

 

Tax exempt

 

 

327

 

 

 

313

 

 

 

983

 

 

 

925

 

Dividends

 

 

94

 

 

 

66

 

 

 

265

 

 

 

192

 

Total interest and dividend income

 

 

17,214

 

 

 

14,946

 

 

 

51,916

 

 

 

40,455

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest expense:

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

78

 

 

 

56

 

 

 

273

 

 

 

175

 

Money market and savings deposits

 

 

2,739

 

 

 

415

 

 

 

6,709

 

 

 

1,470

 

Certificates and other time deposits

 

 

2,685

 

 

 

147

 

 

 

5,109

 

 

 

499

 

Borrowings

 

 

505

 

 

 

-

 

 

 

1,271

 

 

 

-

 

Federal funds purchased

 

 

21

 

 

 

-

 

 

 

112

 

 

 

-

 

Junior subordinated debt

 

 

86

 

 

 

51

 

 

 

226

 

 

 

148

 

Total interest expense

 

 

6,114

 

 

 

669

 

 

 

13,700

 

 

 

2,292

 

Net interest income

 

 

11,100

 

 

 

14,277

 

 

 

38,216

 

 

 

38,163

 

Provision for (recovery of) credit losses

 

 

(73

)

 

 

39

 

 

 

(60

)

 

 

(30

)

Net interest income after provision for (recovery of) credit losses

 

 

11,173

 

 

 

14,238

 

 

 

38,276

 

 

 

38,193

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income:

 

 

 

 

 

 

 

 

 

 

 

 

Wealth management fees

 

 

419

 

 

 

590

 

 

 

1,220

 

 

 

1,719

 

Advisory and brokerage income

 

 

-

 

 

 

213

 

 

 

-

 

 

 

639

 

Deposit account fees

 

 

404

 

 

 

443

 

 

 

1,204

 

 

 

1,366

 

Debit/credit card and ATM fees

 

 

535

 

 

 

660

 

 

 

1,742

 

 

 

2,146

 

Bank owned life insurance income

 

 

981

 

 

 

252

 

 

 

1,494

 

 

 

709

 

Resolution of commercial dispute

 

 

-

 

 

 

-

 

 

 

-

 

 

 

2,400

 

Gains on sales of assets

 

 

132

 

 

 

4

 

 

 

132

 

 

 

1,117

 

Gain on termination of interest swap

 

 

-

 

 

 

-

 

 

 

460

 

 

 

-

 

Gains (losses) on sales of AFS, net

 

 

-

 

 

 

-

 

 

 

(206

)

 

 

-

 

Other

 

 

173

 

 

 

138

 

 

 

919

 

 

 

637

 

Total noninterest income

 

 

2,644

 

 

 

2,300

 

 

 

6,965

 

 

 

10,733

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest expense:

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

3,936

 

 

 

4,252

 

 

 

12,049

 

 

 

13,069

 

Net occupancy

 

 

991

 

 

 

1,318

 

 

 

3,099

 

 

 

3,797

 

Equipment

 

 

195

 

 

 

249

 

 

 

589

 

 

 

786

 

Bank franchise tax

 

 

292

 

 

 

304

 

 

 

929

 

 

 

912

 

Computer software

 

 

185

 

 

 

287

 

 

 

590

 

 

 

907

 

Data processing

 

 

623

 

 

 

712

 

 

 

2,171

 

 

 

2,149

 

FDIC deposit insurance assessment

 

 

220

 

 

 

70

 

 

 

540

 

 

 

421

 

Marketing, advertising and promotion

 

 

262

 

 

 

347

 

 

 

912

 

 

 

873

 

Plastics expense

 

 

51

 

 

 

91

 

 

 

129

 

 

 

322

 

Professional fees

 

 

202

 

 

 

310

 

 

 

592

 

 

 

1,051

 

Core deposit intangible amortization

 

 

368

 

 

 

415

 

 

 

1,138

 

 

 

1,281

 

Other

 

 

1,015

 

 

 

1,148

 

 

 

3,027

 

 

 

3,472

 

Total noninterest expense

 

 

8,340

 

 

 

9,503

 

 

 

25,765

 

 

 

29,040

 

Income before income taxes

 

 

5,477

 

 

 

7,035

 

 

 

19,476

 

 

 

19,886

 

Provision for income taxes

 

 

824

 

 

 

1,263

 

 

 

3,381

 

 

 

3,505

 

Net income

 

$

4,653

 

 

$

5,772

 

 

$

16,095

 

 

$

16,381

 

Net income per common share, basic

 

$

0.87

 

 

$

1.08

 

 

$

3.00

 

 

$

3.08

 

Net income per common share, diluted

 

$

0.86

 

 

$

1.08

 

 

$

2.99

 

 

$

3.06

 

Weighted average common shares outstanding, basic

 

 

5,365,982

 

 

 

5,326,543

 

 

 

5,354,086

 

 

 

5,321,652

 

Weighted average common shares outstanding, diluted

 

 

5,395,483

 

 

 

5,348,900

 

 

 

5,382,145

 

 

 

5,347,878

 

 

Page 5 of 9

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

FINANCIAL HIGHLIGHTS

(dollars in thousands, except per share data)

(Unaudited)

 

 

At or For the Three Months Ended

 

 

 

September 30, 2023

 

 

June 30, 2023

 

 

March 31, 2023

 

 

December 31,
2022

 

 

September 30, 2022

 

Common Share Data:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per weighted average share, basic

 

$

0.87

 

 

$

1.05

 

 

$

1.08

 

 

$

1.32

 

 

$

1.08

 

Net income per weighted average share, diluted

 

$

0.86

 

 

$

1.05

 

 

$

1.08

 

 

$

1.32

 

 

$

1.08

 

Weighted average shares outstanding, basic

 

 

5,365,982

 

 

 

5,357,873

 

 

 

5,338,099

 

 

 

5,333,902

 

 

 

5,326,543

 

Weighted average shares outstanding, diluted

 

 

5,395,483

 

 

 

5,375,073

 

 

 

5,375,619

 

 

 

5,362,220

 

 

 

5,348,900

 

Actual shares outstanding

 

 

5,365,982

 

 

 

5,365,982

 

 

 

5,338,650

 

 

 

5,327,271

 

 

 

5,327,271

 

Tangible book value per share at period end

 

$

22.83

 

 

$

24.01

 

 

$

23.88

 

 

$

22.31

 

 

$

20.81

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Key Ratios:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets 1

 

 

1.18

%

 

 

1.46

%

 

 

1.48

%

 

 

1.65

%

 

 

1.30

%

Return on average equity 1

 

 

12.91

%

 

 

15.98

%

 

 

17.57

%

 

 

22.23

%

 

 

16.50

%

Net interest margin (FTE) 2

 

 

3.04

%

 

 

3.83

%

 

 

3.71

%

 

 

3.91

%

 

 

3.47

%

Efficiency ratio (FTE) 3

 

 

60.3

%

 

 

54.1

%

 

 

56.2

%

 

 

51.7

%

 

 

57.0

%

Loan-to-deposit ratio

 

 

74.5

%

 

 

72.2

%

 

 

67.3

%

 

 

63.3

%

 

 

59.0

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital Ratios:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 leverage ratio

 

 

11.26

%

 

 

11.20

%

 

 

10.64

%

 

 

9.77

%

 

 

9.17

%

Total risk-based capital ratio

 

 

18.76

%

 

 

18.80

%

 

 

18.37

%

 

 

17.64

%

 

 

16.97

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets and Asset Quality:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average earning assets

 

$

1,460,555

 

 

$

1,443,048

 

 

$

1,475,617

 

 

$

1,568,765

 

 

$

1,644,124

 

Average gross loans

 

$

986,480

 

 

$

940,264

 

 

$

932,834

 

 

$

938,740

 

 

$

959,086

 

Paycheck Protection Program loans, end of period

 

$

177

 

 

$

196

 

 

$

215

 

 

$

234

 

 

$

254

 

Fair value mark on acquired loans

 

$

9,965

 

 

$

10,957

 

 

$

14,120

 

 

$

15,887

 

 

$

17,046

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning of period

 

$

7,863

 

 

$

7,772

 

 

$

5,552

 

 

$

5,485

 

 

$

5,503

 

Impact of adoption of CECL

 

 

-

 

 

$

-

 

 

$

2,491

 

 

$

-

 

 

$

-

 

Provision for (recovery of) credit losses

 

 

2

 

 

 

216

 

 

 

(235

)

 

 

136

 

 

 

39

 

Charge-offs

 

 

(199

)

 

 

(180

)

 

 

(136

)

 

 

(472

)

 

 

(119

)

Recoveries

 

 

133

 

 

 

55

 

 

 

100

 

 

 

403

 

 

 

62

 

Net charge-offs

 

 

(66

)

 

 

(125

)

 

 

(36

)

 

 

(69

)

 

 

(57

)

End of period

 

$

7,799

 

 

$

7,863

 

 

$

7,772

 

 

$

5,552

 

 

$

5,485

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-accrual loans

 

$

1,143

 

 

$

1,185

 

 

$

1,228

 

 

$

673

 

 

$

607

 

Loans 90 days or more past due and still accruing

 

 

854

 

 

 

107

 

 

 

69

 

 

 

705

 

 

 

859

 

Total nonperforming assets (NPA) 4

 

$

1,997

 

 

$

1,292

 

 

$

1,297

 

 

$

1,378

 

 

$

1,466

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NPA as a % of total assets

 

 

0.13

%

 

 

0.08

%

 

 

0.08

%

 

 

0.08

%

 

 

0.08

%

NPA as a % of gross loans

 

 

0.20

%

 

 

0.13

%

 

 

0.14

%

 

 

0.15

%

 

 

0.16

%

ACL to gross loans

 

 

0.76

%

 

 

0.81

%

 

 

0.83

%

 

 

0.59

%

 

 

0.58

%

ACL + fair value mark to gross loans (non-GAAP)

 

 

1.74

%

 

 

1.94

%

 

 

2.33

%

 

 

2.29

%

 

 

2.38

%

Non-accruing loans to gross loans

 

 

0.11

%

 

 

0.12

%

 

 

0.13

%

 

 

0.07

%

 

 

0.06

%

Net charge-offs to average loans 1

 

 

0.03

%

 

 

0.05

%

 

 

0.02

%

 

 

0.03

%

 

 

0.02

%

 

1 Ratio is computed on an annualized basis.

2 The net interest margin and net interest income are reported on a fully tax-equivalent basis (FTE) basis, using a Federal income tax rate of 21%. This is a non-GAAP financial measure. Refer to the Reconciliation of Certain Non-GAAP Financial (FTE) Measures at the end of this release.

3 The efficiency ratio (FTE) is computed as a percentage of noninterest expense divided by the sum of net interest income (FTE) and noninterest income. This is a non-GAAP financial measure that management believes provides investors with important information regarding operational efficiency. Management believes such financial information is meaningful to the reader in understanding operating performance, but cautions that such information should not be viewed as a substitute for GAAP. Comparison of our efficiency ratio with those of other companies may not be possible because other companies may calculate them differently. Refer to the Reconciliation of Certain Non-GAAP Financial (FTE) Measures at the end of this release.

4 The Bank held no other real estate owned during any of the periods presented.

 

Page 6 of 9

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

AVERAGE BALANCES, INCOME AND EXPENSES, YIELDS AND RATES (TAXABLE EQUIVALENT BASIS)

(dollars in thousands)

(Unaudited)

 

 

 

For the three months ended

 

 

 

September 30, 2023

 

 

September 30, 2022

 

 

 

 

 

 

Interest

 

 

 

 

 

 

 

 

Interest

 

 

 

 

 

 

Average

 

 

Income/

 

 

Average

 

 

Average

 

 

Income/

 

 

Average

 

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Earning Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable Securities

 

$

387,180

 

 

$

2,942

 

 

 

3.04

%

 

$

445,854

 

 

$

2,692

 

 

 

2.42

%

Tax Exempt Securities 1

 

 

66,835

 

 

 

414

 

 

 

2.48

%

 

 

65,836

 

 

 

397

 

 

 

2.41

%

Total Securities 1

 

 

454,015

 

 

 

3,356

 

 

 

2.96

%

 

 

511,690

 

 

 

3,089

 

 

 

2.41

%

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

 

843,381

 

 

 

11,612

 

 

 

5.46

%

 

 

834,323

 

 

 

9,485

 

 

 

4.51

%

Commercial

 

 

103,137

 

 

 

1,394

 

 

 

5.36

%

 

 

74,970

 

 

 

846

 

 

 

4.48

%

Consumer

 

 

39,962

 

 

 

742

 

 

 

7.37

%

 

 

49,793

 

 

 

693

 

 

 

5.52

%

      Total Loans

 

 

986,480

 

 

 

13,748

 

 

 

5.53

%

 

 

959,086

 

 

 

11,024

 

 

 

4.56

%

Fed Funds Sold

 

 

9,569

 

 

 

133

 

 

 

5.51

%

 

 

52,908

 

 

 

299

 

 

 

2.24

%

Other interest-bearing deposits

 

 

10,491

 

 

 

64

 

 

 

2.42

%

 

 

120,440

 

 

 

618

 

 

 

2.04

%

Total Earning Assets

 

 

1,460,555

 

 

 

17,301

 

 

 

4.70

%

 

 

1,644,124

 

 

 

15,030

 

 

 

3.63

%

Less: Allowance for Credit Losses

 

 

(7,907

)

 

 

 

 

 

 

 

 

(5,530

)

 

 

 

 

 

 

Total Non-Earning Assets

 

 

114,792

 

 

 

 

 

 

 

 

 

124,247

 

 

 

 

 

 

 

Total Assets

 

$

1,567,440

 

 

 

 

 

 

 

 

$

1,762,841

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Checking

 

$

304,969

 

 

$

78

 

 

 

0.10

%

 

$

401,886

 

 

$

56

 

 

 

0.06

%

Money Market and Savings Deposits

 

 

407,213

 

 

 

2,739

 

 

 

2.67

%

 

 

547,878

 

 

 

415

 

 

 

0.30

%

Time Deposits

 

 

252,917

 

 

 

2,685

 

 

 

4.21

%

 

 

142,195

 

 

 

147

 

 

 

0.41

%

Total Interest-Bearing Deposits

 

 

965,099

 

 

 

5,502

 

 

 

2.26

%

 

 

1,091,959

 

 

 

618

 

 

 

0.22

%

Borrowings

 

 

37,648

 

 

 

505

 

 

 

5.32

%

 

 

—

 

 

 

—

 

 

 

—

 

Federal funds purchased

 

 

1,300

 

 

 

21

 

 

 

6.41

%

 

 

—

 

 

 

—

 

 

 

—

 

Junior subordinated debt

 

 

3,443

 

 

 

86

 

 

 

9.91

%

 

 

3,394

 

 

 

51

 

 

 

5.96

%

Total Interest-Bearing Liabilities

 

 

1,007,490

 

 

 

6,114

 

 

 

2.41

%

 

 

1,095,353

 

 

 

669

 

 

 

0.24

%

Non-Interest-Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

406,518

 

 

 

 

 

 

 

 

 

519,759

 

 

 

 

 

 

 

Other liabilities

 

 

10,422

 

 

 

 

 

 

 

 

 

8,932

 

 

 

 

 

 

 

Total Liabilities

 

 

1,424,430

 

 

 

 

 

 

 

 

 

1,624,044

 

 

 

 

 

 

 

Shareholders' Equity

 

 

143,010

 

 

 

 

 

 

 

 

 

138,797

 

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

 

$

1,567,440

 

 

 

 

 

 

 

 

$

1,762,841

 

 

 

 

 

 

 

Net Interest Income (FTE)

 

 

 

 

$

11,187

 

 

 

 

 

 

 

 

$

14,361

 

 

 

 

Interest Rate Spread 2

 

 

 

 

 

 

 

 

2.29

%

 

 

 

 

 

 

 

 

3.38

%

Cost of Funds

 

 

 

 

 

 

 

 

1.72

%

 

 

 

 

 

 

 

 

0.16

%

Interest Expense as a Percentage of
     Average Earning Assets

 

 

 

 

 

 

 

 

1.66

%

 

 

 

 

 

 

 

 

0.16

%

Net Interest Margin (FTE) 3

 

 

 

 

 

 

 

 

3.04

%

 

 

 

 

 

 

 

 

3.47

%

 

1 Tax-exempt income for investment securities has been adjusted to a fully tax-equivalent basis (FTE), using a Federal income tax rate of 21%.

Refer to the Reconcilement of Non-GAAP Measures table at the end of this release.

2 Interest spread is the average yield earned on earning assets less the average rate paid on interest-bearing liabilities.

3 Net interest margin (FTE) is net interest income expressed as a percentage of average earning assets.

 

 

 

Page 7 of 9

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

AVERAGE BALANCES, INCOME AND EXPENSES, YIELDS AND RATES (TAXABLE EQUIVALENT BASIS)

(dollars in thousands)

(Unaudited)

 

 

 

For the nine months ended

 

 

 

September 30, 2023

 

 

September 30, 2022

 

 

 

 

 

 

Interest

 

 

 

 

 

 

 

 

Interest

 

 

 

 

 

 

Average

 

 

Income/

 

 

Average

 

 

Average

 

 

Income/

 

 

Average

 

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Earning Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable Securities

 

$

418,367

 

 

$

8,939

 

 

 

2.85

%

 

$

340,692

 

 

$

5,492

 

 

 

2.15

%

Tax Exempt Securities 1

 

 

66,957

 

 

 

1,245

 

 

 

2.48

%

 

 

65,447

 

 

 

1,170

 

 

 

2.38

%

Total Securities 1

 

 

485,324

 

 

 

10,184

 

 

 

2.80

%

 

 

406,139

 

 

 

6,662

 

 

 

2.19

%

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

 

827,902

 

 

 

36,077

 

 

 

5.83

%

 

 

855,632

 

 

 

27,567

 

 

 

4.31

%

Commercial

 

 

83,393

 

 

 

3,103

 

 

 

4.97

%

 

 

85,148

 

 

 

2,930

 

 

 

4.60

%

Consumer

 

 

42,094

 

 

 

2,229

 

 

 

7.08

%

 

 

50,808

 

 

 

1,906

 

 

 

5.02

%

      Total Loans

 

 

953,389

 

 

 

41,409

 

 

 

5.81

%

 

 

991,588

 

 

 

32,403

 

 

 

4.37

%

Fed Funds Sold

 

 

3,527

 

 

 

143

 

 

 

5.42

%

 

 

118,228

 

 

 

662

 

 

 

0.75

%

Other interest-bearing deposits

 

 

17,444

 

 

 

442

 

 

 

3.39

%

 

 

196,801

 

 

 

973

 

 

 

0.66

%

Total Earning Assets

 

 

1,459,684

 

 

 

52,178

 

 

 

4.78

%

 

 

1,712,756

 

 

 

40,700

 

 

 

3.18

%

Less: Allowance for Credit Losses

 

 

(7,933

)

 

 

 

 

 

 

 

 

(5,806

)

 

 

 

 

 

 

Total Non-Earning Assets

 

 

114,387

 

 

 

 

 

 

 

 

 

124,518

 

 

 

 

 

 

 

Total Assets

 

$

1,566,138

 

 

 

 

 

 

 

 

$

1,831,468

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Checking

 

$

332,587

 

 

$

273

 

 

 

0.11

%

 

$

411,504

 

 

$

175

 

 

 

0.06

%

Money Market and Savings Deposits

 

 

423,547

 

 

 

6,709

 

 

 

2.12

%

 

 

584,597

 

 

 

1,470

 

 

 

0.34

%

Time Deposits

 

 

192,139

 

 

 

5,109

 

 

 

3.56

%

 

 

151,045

 

 

 

499

 

 

 

0.44

%

Total Interest-Bearing Deposits

 

 

948,273

 

 

 

12,091

 

 

 

1.70

%

 

 

1,147,146

 

 

 

2,144

 

 

 

0.25

%

Borrowings

 

 

33,289

 

 

 

1,271

 

 

 

5.10

%

 

 

—

 

 

 

—

 

 

 

—

 

Federal funds purchased

 

 

2,927

 

 

 

112

 

 

 

5.12

%

 

 

—

 

 

 

—

 

 

 

—

 

Junior subordinated debt

 

 

3,430

 

 

 

226

 

 

 

8.81

%

 

 

3,383

 

 

 

148

 

 

 

5.85

%

Total Interest-Bearing Liabilities

 

 

987,919

 

 

 

13,700

 

 

 

1.85

%

 

 

1,150,529

 

 

 

2,292

 

 

 

0.27

%

Non-Interest-Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

428,906

 

 

 

 

 

 

 

 

 

524,592

 

 

 

 

 

 

 

Other liabilities

 

 

9,760

 

 

 

 

 

 

 

 

 

10,107

 

 

 

 

 

 

 

Total Liabilities

 

 

1,426,585

 

 

 

 

 

 

 

 

 

1,685,228

 

 

 

 

 

 

 

Shareholders' Equity

 

 

139,553

 

 

 

 

 

 

 

 

 

146,240

 

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

 

$

1,566,138

 

 

 

 

 

 

 

 

$

1,831,468

 

 

 

 

 

 

 

Net Interest Income (FTE)

 

 

 

 

$

38,478

 

 

 

 

 

 

 

 

$

38,408

 

 

 

 

Interest Rate Spread 2

 

 

 

 

 

 

 

 

2.93

%

 

 

 

 

 

 

 

 

2.91

%

Cost of Funds

 

 

 

 

 

 

 

 

1.29

%

 

 

 

 

 

 

 

 

0.18

%

Interest Expense as a Percentage of
     Average Earning Assets

 

 

 

 

 

 

 

 

1.25

%

 

 

 

 

 

 

 

 

0.18

%

Net Interest Margin (FTE) 3

 

 

 

 

 

 

 

 

3.52

%

 

 

 

 

 

 

 

 

3.00

%

 

1 Tax-exempt income for investment securities has been adjusted to a fully tax-equivalent basis (FTE), using a Federal income tax rate of 21%.

Refer to the Reconcilement of Non-GAAP Measures table at the end of this release.

2 Interest spread is the average yield earned on earning assets less the average rate paid on interest-bearing liabilities.

3 Net interest margin (FTE) is net interest income expressed as a percentage of average earning assets.

 

 

Page 8 of 9

 

 

 

 

VIRGINIA NATIONAL BANKSHARES CORPORATION

RECONCILIATION OF CERTAIN QUARTERLY NON-GAAP FINANCIAL MEASURES

(dollars in thousands, except per share data)

(Unaudited)

 

 

 

 

For the Three Months Ended

 

 

 

September 30, 2023

 

 

June 30, 2023

 

 

March 31, 2023

 

 

December 31, 2022

 

 

September 30, 2022

 

Fully tax-equivalent measures

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

$

11,100

 

 

$

13,703

 

 

$

13,413

 

 

$

15,384

 

 

$

14,277

 

Fully tax-equivalent adjustment

 

 

87

 

 

 

86

 

 

 

87

 

 

 

86

 

 

 

84

 

Net interest income (FTE) 1

 

$

11,187

 

 

$

13,789

 

 

$

13,500

 

 

$

15,470

 

 

$

14,361

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Efficiency ratio 2

 

 

60.7

%

 

 

54.4

%

 

 

56.5

%

 

 

52.0

%

 

 

57.3

%

Fully tax-equivalent adjustment

 

 

-0.4

%

 

 

-0.3

%

 

 

-0.3

%

 

 

-0.3

%

 

 

-0.3

%

Efficiency ratio (FTE) 3

 

 

60.3

%

 

 

54.1

%

 

 

56.2

%

 

 

51.7

%

 

 

57.0

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest margin

 

 

3.02

%

 

 

3.81

%

 

 

3.69

%

 

 

3.89

%

 

 

3.45

%

Fully tax-equivalent adjustment

 

 

0.02

%

 

 

0.02

%

 

 

0.02

%

 

 

0.02

%

 

 

0.02

%

Net interest margin (FTE) 1

 

 

3.04

%

 

 

3.83

%

 

 

3.71

%

 

 

3.91

%

 

 

3.47

%

 

 

 

For the Nine Months Ended

 

 

 

September 30, 2023

 

 

September 30, 2022

 

Fully tax-equivalent measures

 

 

 

 

 

 

Net interest income

 

$

38,216

 

 

$

38,163

 

Fully tax-equivalent adjustment

 

 

262

 

 

 

245

 

Net interest income (FTE) 1

 

$

38,478

 

 

$

38,408

 

 

 

 

 

 

 

Efficiency ratio 2

 

 

57.0

%

 

 

59.4

%

Fully tax-equivalent adjustment

 

 

-0.3

%

 

 

-0.3

%

Efficiency ratio (FTE) 3

 

 

56.7

%

 

 

59.1

%

 

 

 

 

 

 

Net interest margin

 

 

3.50

%

 

 

2.98

%

Fully tax-equivalent adjustment

 

 

0.02

%

 

 

0.02

%

Net interest margin (FTE) 1

 

 

3.52

%

 

 

3.00

%

 

 

 

As of

 

 

 

September 30, 2023

 

 

June 30, 2023

 

 

March 31, 2023

 

 

December 31, 2022

 

 

September 30, 2022

 

Other financial measures

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ACL to gross loans

 

 

0.76

%

 

 

0.81

%

 

 

0.83

%

 

 

0.59

%

 

 

0.58

%

Fair value mark to gross loans

 

 

0.98

%

 

 

1.13

%

 

 

1.50

%

 

 

1.70

%

 

 

1.80

%

ACL + fair value mark to gross loans (non-GAAP)

 

 

1.74

%

 

 

1.94

%

 

 

2.33

%

 

 

2.29

%

 

 

2.38

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Book value per share

 

$

25.29

 

 

$

26.54

 

 

$

26.50

 

 

$

25.00

 

 

$

23.65

 

Impact of intangible assets 4

 

 

(2.46

)

 

 

(2.53

)

 

 

(2.62

)

 

 

(2.69

)

 

 

(2.84

)

Tangible book value per share (non-GAAP)

 

$

22.83

 

 

$

24.01

 

 

$

23.88

 

 

$

22.31

 

 

$

20.81

 

 

1 FTE calculations use a Federal income tax rate of 21%.

2 The efficiency ratio, GAAP basis, is computed by dividing noninterest expense by the sum of net interest income and noninterest income.

3 The efficiency ratio, FTE, is computed by dividing noninterest expense by the sum of net interest income (FTE) and noninterest income.

4 Intangible assets include goodwill and core deposit intangible assets, net of accumulated amortization, for all periods presented. As of September 30, 2022, this figure also included other intangible assets related to Sturman Wealth Advisors, also net of accumulated amortization.

 

Page 9 of 9

 

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Document And Entity Information
Oct. 20, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 20, 2023
Entity Registrant Name VIRGINIA NATIONAL BANKSHARES CORPORATION
Entity Central Index Key 0001572334
Entity Emerging Growth Company false
Securities Act File Number 001-40305
Entity Incorporation, State or Country Code VA
Entity Tax Identification Number 46-2331578
Entity Address, Address Line One 404 People Place
Entity Address, City or Town Charlottesville
Entity Address, State or Province VA
Entity Address, Postal Zip Code 22911
City Area Code (434)
Local Phone Number 817-8621
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol VABK
Security Exchange Name NASDAQ
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