0000950170-24-007711.txt : 20240126 0000950170-24-007711.hdr.sgml : 20240126 20240126083030 ACCESSION NUMBER: 0000950170-24-007711 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 12 CONFORMED PERIOD OF REPORT: 20240126 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240126 DATE AS OF CHANGE: 20240126 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Virginia National Bankshares Corp CENTRAL INDEX KEY: 0001572334 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] ORGANIZATION NAME: 02 Finance 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: 24564286 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-20240126.htm 8-K 8-K
0001572334false00015723342024-01-262024-01-26

 

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): January 26, 2024

 

 

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 January 26, 2024, Virginia National Bankshares Corporation (the “Company”) issued a press statement announcing the consolidated earnings for the quarter and full-year ended December 31, 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 January 26, 2024.

 

 

 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:

January 26, 2024

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 2023 FOURTH QUARTER AND FULL YEAR EARNINGS

Charlottesville, VA – January 26, 2024 - Virginia National Bankshares Corporation (NASDAQ: VABK) (the “Company”) today reported quarterly net income of $3.2 million, or $0.59 per diluted share, for the quarter ended December 31, 2023, compared to $7.1 million, or $1.32 per diluted share, recognized for the quarter ended December 31, 2022. For the twelve months ended December 31, 2023, the Company recognized net income of $19.3 million, or $3.58 per diluted share, compared to $23.4 million, or $4.38 per diluted share, for the twelve months ended December 31, 2022. Gross loans outstanding as of December 31, 2023 totaled $1.1 billion, an increase of $156.3 million, or 16.7%, compared to December 31, 2022 and an increase of $72.1 million, or 7.1%, compared to September 30, 2023.

2023 Fourth Quarter and Full Year Highlights

•
The Company continued to experience loan growth in the fourth quarter of 2023, resulting in a 7.1% increase from the prior quarter and 16.7% over the prior year-end.
•
Yield on loans elevated to 5.47% for the three months ended December 31, 2023, from 5.00% for the prior year same period and increased to 5.72% for the year ended December 31, 2023, from 4.52% for the year ended December 31, 2022.
•
Credit performance remains strong with nonperforming assets as a percentage of total assets of 0.17% as of December 31, 2023, and 0.08% as of December 31, 2022.
•
Noninterest expense for the three months ended December 31, 2023 decreased $977 thousand, or 10.5%, compared to the three months ended December 31, 2022. For the year ended December 31, 2023, noninterest expense decreased $4.5 million, or 11.7%. Such decreases are the result of 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 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 $151.6 million as of December 31, 2023 and $134.6 million as of December 31, 2022.
•
Total deposits declined $69.2 million, or 4.7% from December 31, 2022 to December 31, 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 2023. Deposit balances increased $38.8 million, or 2.8%, from September 30, 2023 to December 31, 2023, as the Bank's strategy shifted to meet customer rate demands.
•
Correlated with the year-over-year deposit decline noted above, borrowings increased from December 31, 2022 to December 31, 2023 by $66.5 million. As of December 31, 2023, the Company had unused borrowing facilities in place of approximately $119.5 million. Management closely monitors its liquidity position.

 

 

Page 1 of 9

 

 

Loans and Asset Quality

•
Gross loans outstanding as of December 31, 2023 totaled $1.1 billion, an increase of $156.3 million, or 16.7%, compared to December 31, 2022.
•
Nonperforming assets amounted to $2.7 million as of December 31, 2023, compared to $1.4 million as of December 31, 2022; the Company currently holds no other real estate owned.
o
Eight loans to seven borrowers are in non-accrual status, totaling $1.9 million, as of December 31, 2023, compared to $673 thousand as of December 31, 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 $470 thousand are now included in this figure.
o
Loans 90 days or more past due and still accruing interest amounted to $880 thousand as of December 31, 2023, compared to $705 thousand as of December 31, 2022. The past due balance as of December 31, 2023 is comprised of two loans totaling $783 thousand which are 100% government-guaranteed, and five student loans totaling $97 thousand.
•
The period-end Allowance for Credit Losses (“ACL”) as a percentage of total loans was 0.77% as of December 31, 2023 and 0.59% as of December 31, 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 $9.4 million as of December 31, 2023.
•
For the three months ended December 31, 2023, the Company recorded a provision for credit losses of $794 thousand, which includes an $81 thousand provision for unfunded commitments. The increase in provision over the prior year is primarily the result of the increase in originated loan balances.

Net Interest Income

•
Net interest income for the three months ended December 31, 2023 of $10.8 million decreased $4.6 million, or 30.1%, compared to the three months ended December 31, 2022, as the increase in interest expense on deposit accounts and borrowings outweighed the increase in interest income earned on assets. Net interest income for 2023 of $49.0 million decreased $4.6 million, or 8.6%, compared to 2022.
•
Net interest margin (FTE), (a non-GAAP financial measure)1, for the three months ended December 31, 2023 declined to 2.89%, compared to 3.91% for the three months ended December 31, 2022. However, net interest margin (FTE), (a non-GAAP financial measure)1, for 2023 increased to 3.37% compared to 3.21% for 2022.
•
The overall cost of funds, including noninterest-bearing deposits, of 201 bps incurred in the three months ended December 31, 2023 increased 178 bps from 23 bps in the same period in the prior year. Overall, the cost of interest-bearing deposits increased period over period, from a cost of 32 bps to 258 bps. The overall cost of funds, including noninterest-bearing deposits, of 148 bps incurred for the full year of 2023 increased 129 bps from 19 bps in 2022. Overall, the cost of interest-bearing deposits increased year-over-year, from a cost of 27 bps to 194 bps.

Noninterest Income

•
Noninterest income for the three months ended December 31, 2023 decreased $550 thousand, or 20.5%, compared to the three months ended December 31, 2022. In the fourth quarter of 2022, the Company received a $267 thousand recovery of unearned premiums related to the loss of insurance on the student loan portfolio. Also, $131 thousand of income was recognized in the fourth quarter of 2022 related to advisory and brokerage income; this business line was sold in the fourth quarter of 2022, eliminating future income and expense related thereto.
•
Noninterest income for 2023 decreased $4.6 million, or 33.4%, compared to 2022. During the prior year, the Company received and recognized a $2.4 million one-time payment to resolve a commercial dispute and a $1.0 million gain was recognized in connection with the sale of two buildings. Also during 2022, a $404 thousand gain was recognized in connection with the sale of Sturman Wealth Advisors; as noted above, as a result of the sale of the business line, future income and expense is eliminated related thereto.

Book Value

Book value per share was $28.52 as of December 31, 2023 and $25.00 as of December 31, 2022, and tangible book value per share (a non-GAAP financial measure)1 was $26.12 as of December 31, 2023 compared to $22.31 as of December 31, 2022. These values increased as net retained income increased and unrealized losses in the investment portfolio decreased period over period.

_____________________________________________________________________

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

 

Page 2 of 9

 

 

Income Taxes

The effective tax rate amounted to 16.6% compared to 18.5% for the three months ended December 31, 2023 and 2022, respectively, and 17.2% and 17.9% for the full years of 2023 and 2022, respectively, which are all 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 income from bank owned life insurance policies in the form of interest and proceeds as a result of a death of a former employee.

Dividends

Cash dividends of $1.8 million, or $0.33 per share, were declared and paid during the fourth quarter of 2023.

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 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)

 

 

December 31, 2023

 

 

December 31, 2022*

 

 

(Unaudited)

 

 

 

 

ASSETS

 

 

 

 

 

Cash and due from banks

$

18,074

 

 

$

20,993

 

Interest-bearing deposits in other banks

 

10,316

 

 

 

19,098

 

Federal funds sold

 

-

 

 

 

45

 

Securities:

 

 

 

 

 

Available for sale (AFS), at fair value

 

420,595

 

 

 

538,186

 

Restricted securities, at cost

 

8,385

 

 

 

5,137

 

Total securities

 

428,980

 

 

 

543,323

 

Loans, net of deferred fees and costs

 

1,092,665

 

 

 

936,415

 

Allowance for credit losses

 

(8,395

)

 

 

(5,552

)

Loans, net

 

1,084,270

 

 

 

930,863

 

Premises and equipment, net

 

16,195

 

 

 

17,808

 

Assets held for sale

 

-

 

 

 

965

 

Bank owned life insurance

 

38,904

 

 

 

38,552

 

Goodwill

 

7,768

 

 

 

7,768

 

Core deposit intangible, net

 

5,093

 

 

 

6,586

 

Right of use asset, net

 

6,748

 

 

 

6,536

 

Deferred tax asset, net

 

15,382

 

 

 

17,315

 

Accrued interest receivable and other assets

 

14,287

 

 

 

13,507

 

Total assets

$

1,646,017

 

 

$

1,623,359

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

Liabilities:

 

 

 

 

 

Demand deposits:

 

 

 

 

 

Noninterest-bearing

$

372,857

 

 

$

495,649

 

Interest-bearing

 

305,541

 

 

 

399,983

 

Money market and savings deposit accounts

 

412,119

 

 

 

467,600

 

Certificates of deposit and other time deposits

 

318,581

 

 

 

115,106

 

Total deposits

 

1,409,098

 

 

 

1,478,338

 

Federal funds purchased

 

3,462

 

 

 

-

 

Borrowings

 

66,500

 

 

 

-

 

Junior subordinated debt, net

 

3,459

 

 

 

3,413

 

Lease liability

 

6,504

 

 

 

6,173

 

Accrued interest payable and other liabilities

 

3,954

 

 

 

2,019

 

Total liabilities

 

1,492,977

 

 

 

1,489,943

 

Commitments and contingent liabilities

 

 

 

 

 

Shareholders' equity:

 

 

 

 

 

Preferred stock, $2.50 par value

 

-

 

 

 

-

 

Common stock, $2.50 par value

 

13,253

 

 

 

13,214

 

Capital surplus

 

107,940

 

 

 

105,344

 

Retained earnings

 

71,891

 

 

 

63,482

 

Accumulated other comprehensive loss

 

(40,044

)

 

 

(48,624

)

Total shareholders' equity

 

153,040

 

 

 

133,416

 

Total liabilities and shareholders' equity

$

1,646,017

 

 

$

1,623,359

 

Common shares outstanding

 

5,365,982

 

 

 

5,337,271

 

Common shares authorized

 

10,000,000

 

 

 

10,000,000

 

Preferred shares outstanding

 

-

 

 

 

-

 

Preferred shares authorized

 

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 twelve months ended

 

 

 

December 31, 2023

 

 

December 31, 2022

 

 

December 31, 2023

 

 

December 31, 2022

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

 

Loans, including fees

 

$

14,644

 

 

$

11,828

 

 

$

56,053

 

 

$

44,231

 

Federal funds sold

 

 

64

 

 

 

427

 

 

 

207

 

 

 

1,088

 

Other interest-bearing deposits

 

 

59

 

 

 

494

 

 

 

501

 

 

 

1,467

 

Investment securities:

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 

2,880

 

 

 

3,115

 

 

 

11,554

 

 

 

8,416

 

Tax exempt

 

 

325

 

 

 

324

 

 

 

1,308

 

 

 

1,249

 

Dividends

 

 

102

 

 

 

88

 

 

 

367

 

 

 

280

 

Total interest and dividend income

 

 

18,074

 

 

 

16,276

 

 

 

69,990

 

 

 

56,731

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest expense:

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

73

 

 

 

55

 

 

 

346

 

 

 

230

 

Money market and savings deposits

 

 

2,964

 

 

 

627

 

 

 

9,673

 

 

 

2,097

 

Certificates and other time deposits

 

 

3,508

 

 

 

159

 

 

 

8,617

 

 

 

657

 

Borrowings

 

 

663

 

 

 

-

 

 

 

1,934

 

 

 

-

 

Federal funds purchased

 

 

26

 

 

 

-

 

 

 

138

 

 

 

-

 

Junior subordinated debt

 

 

87

 

 

 

51

 

 

 

313

 

 

 

200

 

Total interest expense

 

 

7,321

 

 

 

892

 

 

 

21,021

 

 

 

3,184

 

Net interest income

 

 

10,753

 

 

 

15,384

 

 

 

48,969

 

 

 

53,547

 

Provision for credit losses

 

 

794

 

 

 

136

 

 

 

734

 

 

 

106

 

Net interest income after provision for credit losses

 

 

9,959

 

 

 

15,248

 

 

 

48,235

 

 

 

53,441

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest income:

 

 

 

 

 

 

 

 

 

 

 

 

Wealth management fees

 

 

756

 

 

 

721

 

 

 

1,976

 

 

 

2,440

 

Advisory and brokerage income

 

 

-

 

 

 

131

 

 

 

-

 

 

 

770

 

Deposit account fees

 

 

389

 

 

 

434

 

 

 

1,593

 

 

 

1,799

 

Debit/credit card and ATM fees

 

 

535

 

 

 

647

 

 

 

2,277

 

 

 

2,794

 

Bank owned life insurance income

 

 

270

 

 

 

253

 

 

 

1,764

 

 

 

963

 

Resolution of commercial dispute

 

 

-

 

 

 

-

 

 

 

-

 

 

 

2,400

 

Gains (losses) on sales of assets, net

 

 

(20

)

 

 

87

 

 

 

112

 

 

 

1,043

 

Gain on termination of interest swap

 

 

-

 

 

 

-

 

 

 

460

 

 

 

-

 

Gains (losses) on sales of AFS, net

 

 

-

 

 

 

-

 

 

 

(206

)

 

 

404

 

Other

 

 

206

 

 

 

413

 

 

 

1,125

 

 

 

1,048

 

Total noninterest income

 

 

2,136

 

 

 

2,686

 

 

 

9,101

 

 

 

13,661

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest expense:

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

3,851

 

 

 

3,652

 

 

 

15,900

 

 

 

17,260

 

Net occupancy

 

 

918

 

 

 

729

 

 

 

4,017

 

 

 

4,526

 

Equipment

 

 

173

 

 

 

111

 

 

 

762

 

 

 

897

 

Bank franchise tax

 

 

291

 

 

 

304

 

 

 

1,220

 

 

 

1,216

 

Computer software

 

 

188

 

 

 

228

 

 

 

778

 

 

 

1,136

 

Data processing

 

 

799

 

 

 

806

 

 

 

2,970

 

 

 

2,727

 

FDIC deposit insurance assessment

 

 

170

 

 

 

90

 

 

 

710

 

 

 

511

 

Marketing, advertising and promotion

 

 

186

 

 

 

351

 

 

 

1,098

 

 

 

1,224

 

Plastics expense

 

 

48

 

 

 

72

 

 

 

177

 

 

 

394

 

Professional fees

 

 

82

 

 

 

306

 

 

 

674

 

 

 

1,357

 

Core deposit intangible amortization

 

 

355

 

 

 

403

 

 

 

1,493

 

 

 

1,684

 

Other

 

 

1,237

 

 

 

2,223

 

 

 

4,264

 

 

 

5,624

 

Total noninterest expense

 

 

8,298

 

 

 

9,275

 

 

 

34,063

 

 

 

38,556

 

Income before income taxes

 

 

3,797

 

 

 

8,659

 

 

 

23,273

 

 

 

28,546

 

Provision for income taxes

 

 

629

 

 

 

1,602

 

 

 

4,010

 

 

 

5,108

 

Net income

 

$

3,168

 

 

$

7,057

 

 

$

19,263

 

 

$

23,438

 

Net income per common share, basic

 

$

0.59

 

 

$

1.32

 

 

$

3.60

 

 

$

4.40

 

Net income per common share, diluted

 

$

0.59

 

 

$

1.32

 

 

$

3.58

 

 

$

4.38

 

Weighted average common shares outstanding, basic

 

 

5,365,982

 

 

 

5,333,902

 

 

 

5,357,085

 

 

 

5,324,740

 

Weighted average common shares outstanding, diluted

 

 

5,394,713

 

 

 

5,362,220

 

 

 

5,385,201

 

 

 

5,351,358

 

 

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

 

 

 

December 31, 2023

 

 

September 30, 2023

 

 

June 30, 2023

 

 

March 31,
2023

 

 

December 31, 2022

 

Common Share Data:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per weighted average share, basic

 

$

0.59

 

 

$

0.87

 

 

$

1.05

 

 

$

1.08

 

 

$

1.32

 

Net income per weighted average share, diluted

 

$

0.59

 

 

$

0.86

 

 

$

1.05

 

 

$

1.08

 

 

$

1.32

 

Weighted average shares outstanding, basic

 

 

5,365,982

 

 

 

5,365,982

 

 

 

5,357,873

 

 

 

5,338,099

 

 

 

5,333,902

 

Weighted average shares outstanding, diluted

 

 

5,394,713

 

 

 

5,395,483

 

 

 

5,375,073

 

 

 

5,375,619

 

 

 

5,362,220

 

Actual shares outstanding

 

 

5,365,982

 

 

 

5,365,982

 

 

 

5,365,982

 

 

 

5,338,650

 

 

 

5,327,271

 

Tangible book value per share at period end (non-GAAP) 5

 

$

26.12

 

 

$

22.83

 

 

$

24.01

 

 

$

23.88

 

 

$

22.31

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Key Ratios:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets 1

 

 

0.79

%

 

 

1.18

%

 

 

1.46

%

 

 

1.48

%

 

 

1.65

%

Return on average equity 1

 

 

9.03

%

 

 

12.91

%

 

 

15.98

%

 

 

17.57

%

 

 

22.23

%

Net interest margin (FTE) 2

 

 

2.89

%

 

 

3.04

%

 

 

3.83

%

 

 

3.71

%

 

 

3.91

%

Efficiency ratio (FTE) 3

 

 

64.0

%

 

 

60.3

%

 

 

54.1

%

 

 

56.2

%

 

 

51.7

%

Loan-to-deposit ratio

 

 

77.5

%

 

 

74.5

%

 

 

72.2

%

 

 

67.3

%

 

 

63.3

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capital Ratios:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 leverage ratio

 

 

11.13

%

 

 

11.26

%

 

 

11.20

%

 

 

10.64

%

 

 

9.77

%

Total risk-based capital ratio

 

 

18.24

%

 

 

18.76

%

 

 

18.80

%

 

 

18.37

%

 

 

17.64

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets and Asset Quality:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average earning assets

 

$

1,487,910

 

 

$

1,460,555

 

 

$

1,443,048

 

 

$

1,475,617

 

 

$

1,568,765

 

Average gross loans

 

$

1,061,297

 

 

$

986,480

 

 

$

940,264

 

 

$

932,834

 

 

$

938,740

 

Fair value mark on acquired loans

 

$

9,399

 

 

$

9,965

 

 

$

10,957

 

 

$

14,120

 

 

$

15,887

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning of period

 

$

7,799

 

 

$

7,863

 

 

$

7,772

 

 

$

5,552

 

 

$

5,485

 

Impact of adoption of CECL

 

 

-

 

 

$

-

 

 

$

-

 

 

$

2,491

 

 

$

-

 

Provision for (recovery of) credit losses

 

 

713

 

 

 

2

 

 

 

216

 

 

 

(235

)

 

 

136

 

Charge-offs

 

 

(207

)

 

 

(199

)

 

 

(180

)

 

 

(136

)

 

 

(472

)

Recoveries

 

 

90

 

 

 

133

 

 

 

55

 

 

 

100

 

 

 

403

 

Net charge-offs

 

 

(117

)

 

 

(66

)

 

 

(125

)

 

 

(36

)

 

 

(69

)

End of period

 

$

8,395

 

 

$

7,799

 

 

$

7,863

 

 

$

7,772

 

 

$

5,552

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-accrual loans

 

$

1,852

 

 

$

1,143

 

 

$

1,185

 

 

$

1,228

 

 

$

673

 

Loans 90 days or more past due and still accruing

 

 

880

 

 

 

854

 

 

 

107

 

 

 

69

 

 

 

705

 

Total nonperforming assets (NPA) 4

 

$

2,732

 

 

$

1,997

 

 

$

1,292

 

 

$

1,297

 

 

$

1,378

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NPA as a % of total assets

 

 

0.17

%

 

 

0.13

%

 

 

0.08

%

 

 

0.08

%

 

 

0.08

%

NPA as a % of gross loans

 

 

0.25

%

 

 

0.20

%

 

 

0.13

%

 

 

0.14

%

 

 

0.15

%

ACL to gross loans

 

 

0.77

%

 

 

0.76

%

 

 

0.81

%

 

 

0.83

%

 

 

0.59

%

Non-accruing loans to gross loans

 

 

0.17

%

 

 

0.11

%

 

 

0.12

%

 

 

0.13

%

 

 

0.07

%

Net charge-offs to average loans 1

 

 

0.04

%

 

 

0.03

%

 

 

0.05

%

 

 

0.02

%

 

 

0.03

%

 

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.

5 This is a non-GAAP financial measure. Refer to the Reconciliation of Certain Non-GAAP Financial (FTE) Measures at the end of this release.

 

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

 

 

 

December 31, 2023

 

 

December 31, 2022

 

 

 

 

 

 

Interest

 

 

 

 

 

 

 

 

Interest

 

 

 

 

 

 

Average

 

 

Income/

 

 

Average

 

 

Average

 

 

Income/

 

 

Average

 

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Earning Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable Securities

 

$

346,248

 

 

$

2,982

 

 

 

3.44

%

 

$

471,566

 

 

$

3,204

 

 

 

2.72

%

Tax Exempt Securities 1

 

 

66,710

 

 

 

411

 

 

 

2.46

%

 

 

67,090

 

 

 

410

 

 

 

2.44

%

Total Securities 1

 

 

412,958

 

 

 

3,393

 

 

 

3.29

%

 

 

538,656

 

 

 

3,614

 

 

 

2.68

%

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

 

873,226

 

 

 

11,919

 

 

 

5.42

%

 

 

820,751

 

 

 

10,322

 

 

 

4.99

%

Commercial

 

 

149,765

 

 

 

2,018

 

 

 

5.35

%

 

 

71,730

 

 

 

785

 

 

 

4.34

%

Consumer

 

 

38,306

 

 

 

707

 

 

 

7.32

%

 

 

46,259

 

 

 

721

 

 

 

6.18

%

      Total Loans

 

 

1,061,297

 

 

 

14,644

 

 

 

5.47

%

 

 

938,740

 

 

 

11,828

 

 

 

5.00

%

Fed Funds Sold

 

 

4,709

 

 

 

64

 

 

 

5.39

%

 

 

46,042

 

 

 

426

 

 

 

3.67

%

Other interest-bearing deposits

 

 

8,946

 

 

 

59

 

 

 

2.62

%

 

 

45,327

 

 

 

494

 

 

 

4.32

%

Total Earning Assets

 

 

1,487,910

 

 

 

18,160

 

 

 

4.84

%

 

 

1,568,765

 

 

 

16,362

 

 

 

4.14

%

Less: Allowance for Credit Losses

 

 

(7,833

)

 

 

 

 

 

 

 

 

(5,395

)

 

 

 

 

 

 

Total Non-Earning Assets

 

 

115,114

 

 

 

 

 

 

 

 

 

135,015

 

 

 

 

 

 

 

Total Assets

 

$

1,595,191

 

 

 

 

 

 

 

 

$

1,698,385

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Checking

 

$

287,228

 

 

$

73

 

 

 

0.10

%

 

$

403,570

 

 

$

55

 

 

 

0.05

%

Money Market and Savings Deposits

 

 

413,771

 

 

 

2,964

 

 

 

2.84

%

 

 

500,397

 

 

 

627

 

 

 

0.50

%

Time Deposits

 

 

304,053

 

 

 

3,508

 

 

 

4.58

%

 

 

125,334

 

 

 

158

 

 

 

0.50

%

Total Interest-Bearing Deposits

 

 

1,005,052

 

 

 

6,545

 

 

 

2.58

%

 

 

1,029,301

 

 

 

840

 

 

 

0.32

%

Borrowings

 

 

49,147

 

 

 

663

 

 

 

5.35

%

 

 

2

 

 

 

—

 

 

 

—

 

Federal funds purchased

 

 

1,755

 

 

 

26

 

 

 

5.88

%

 

 

—

 

 

 

—

 

 

 

—

 

Junior subordinated debt

 

 

3,454

 

 

 

87

 

 

 

9.99

%

 

 

3,406

 

 

 

52

 

 

 

6.06

%

Total Interest-Bearing Liabilities

 

 

1,059,408

 

 

 

7,321

 

 

 

2.74

%

 

 

1,032,709

 

 

 

892

 

 

 

0.34

%

Non-Interest-Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

386,001

 

 

 

 

 

 

 

 

 

531,719

 

 

 

 

 

 

 

Other liabilities

 

 

10,666

 

 

 

 

 

 

 

 

 

8,021

 

 

 

 

 

 

 

Total Liabilities

 

 

1,456,075

 

 

 

 

 

 

 

 

 

1,572,449

 

 

 

 

 

 

 

Shareholders' Equity

 

 

139,116

 

 

 

 

 

 

 

 

 

125,936

 

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

 

$

1,595,191

 

 

 

 

 

 

 

 

$

1,698,385

 

 

 

 

 

 

 

Net Interest Income (FTE)

 

 

 

 

$

10,839

 

 

 

 

 

 

 

 

$

15,470

 

 

 

 

Interest Rate Spread 2

 

 

 

 

 

 

 

 

2.10

%

 

 

 

 

 

 

 

 

3.80

%

Cost of Funds

 

 

 

 

 

 

 

 

2.01

%

 

 

 

 

 

 

 

 

0.23

%

Interest Expense as a Percentage of
     Average Earning Assets

 

 

 

 

 

 

 

 

1.95

%

 

 

 

 

 

 

 

 

0.23

%

Net Interest Margin (FTE) 3

 

 

 

 

 

 

 

 

2.89

%

 

 

 

 

 

 

 

 

3.91

%

 

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 twelve months ended

 

 

 

December 31, 2023

 

 

December 31, 2022

 

 

 

 

 

 

Interest

 

 

 

 

 

 

 

 

Interest

 

 

 

 

 

 

Average

 

 

Income/

 

 

Average

 

 

Average

 

 

Income/

 

 

Average

 

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

 

Balance

 

 

Expense

 

 

Yield/Cost

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Earning Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable Securities

 

$

400,189

 

 

$

11,921

 

 

 

2.98

%

 

$

373,680

 

 

$

8,696

 

 

 

2.33

%

Tax Exempt Securities 1

 

 

66,895

 

 

 

1,657

 

 

 

2.48

%

 

 

65,861

 

 

 

1,582

 

 

 

2.40

%

Total Securities 1

 

 

467,084

 

 

 

13,578

 

 

 

2.91

%

 

 

439,541

 

 

 

10,278

 

 

 

2.34

%

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real Estate

 

 

839,326

 

 

 

47,996

 

 

 

5.72

%

 

 

847,238

 

 

 

38,011

 

 

 

4.49

%

Commercial

 

 

100,122

 

 

 

5,121

 

 

 

5.11

%

 

 

81,410

 

 

 

3,583

 

 

 

4.40

%

Consumer

 

 

41,140

 

 

 

2,936

 

 

 

7.14

%

 

 

49,619

 

 

 

2,637

 

 

 

5.31

%

      Total Loans

 

 

980,588

 

 

 

56,053

 

 

 

5.72

%

 

 

978,267

 

 

 

44,231

 

 

 

4.52

%

Fed Funds Sold

 

 

3,825

 

 

 

207

 

 

 

5.41

%

 

 

100,033

 

 

 

1,088

 

 

 

1.09

%

Other interest-bearing deposits

 

 

13,964

 

 

 

501

 

 

 

3.59

%

 

 

161,260

 

 

 

1,467

 

 

 

0.91

%

Total Earning Assets

 

 

1,465,461

 

 

 

70,339

 

 

 

4.80

%

 

 

1,679,101

 

 

 

57,064

 

 

 

3.40

%

Less: Allowance for Credit Losses

 

 

(7,907

)

 

 

 

 

 

 

 

 

(5,702

)

 

 

 

 

 

 

Total Non-Earning Assets

 

 

115,908

 

 

 

 

 

 

 

 

 

124,525

 

 

 

 

 

 

 

Total Assets

 

$

1,573,462

 

 

 

 

 

 

 

 

$

1,797,924

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Bearing Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Checking

 

$

321,154

 

 

$

346

 

 

 

0.11

%

 

$

409,504

 

 

$

230

 

 

 

0.06

%

Money Market and Savings Deposits

 

 

421,083

 

 

 

9,673

 

 

 

2.30

%

 

 

563,374

 

 

 

2,097

 

 

 

0.37

%

Time Deposits

 

 

220,348

 

 

 

8,617

 

 

 

3.91

%

 

 

144,565

 

 

 

657

 

 

 

0.45

%

Total Interest-Bearing Deposits

 

 

962,585

 

 

 

18,636

 

 

 

1.94

%

 

 

1,117,443

 

 

 

2,984

 

 

 

0.27

%

Borrowings

 

 

37,286

 

 

 

1,934

 

 

 

5.19

%

 

 

—

 

 

 

—

 

 

 

—

 

Federal funds purchased

 

 

2,632

 

 

 

138

 

 

 

5.24

%

 

 

—

 

 

 

—

 

 

 

—

 

Junior subordinated debt

 

 

3,436

 

 

 

313

 

 

 

9.11

%

 

 

3,388

 

 

 

200

 

 

 

5.90

%

Total Interest-Bearing Liabilities

 

 

1,005,939

 

 

 

21,021

 

 

 

2.09

%

 

 

1,120,831

 

 

 

3,184

 

 

 

0.28

%

Non-Interest-Bearing Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

418,091

 

 

 

 

 

 

 

 

 

526,389

 

 

 

 

 

 

 

Other liabilities

 

 

9,989

 

 

 

 

 

 

 

 

 

9,581

 

 

 

 

 

 

 

Total Liabilities

 

 

1,434,019

 

 

 

 

 

 

 

 

 

1,656,801

 

 

 

 

 

 

 

Shareholders' Equity

 

 

139,443

 

 

 

 

 

 

 

 

 

141,123

 

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

 

$

1,573,462

 

 

 

 

 

 

 

 

$

1,797,924

 

 

 

 

 

 

 

Net Interest Income (FTE)

 

 

 

 

$

49,318

 

 

 

 

 

 

 

 

$

53,880

 

 

 

 

Interest Rate Spread 2

 

 

 

 

 

 

 

 

2.71

%

 

 

 

 

 

 

 

 

3.12

%

Cost of Funds

 

 

 

 

 

 

 

 

1.48

%

 

 

 

 

 

 

 

 

0.19

%

Interest Expense as a Percentage of
     Average Earning Assets

 

 

 

 

 

 

 

 

1.43

%

 

 

 

 

 

 

 

 

0.19

%

Net Interest Margin (FTE) 3

 

 

 

 

 

 

 

 

3.37

%

 

 

 

 

 

 

 

 

3.21

%

 

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

 

 

 

December 31, 2023

 

 

September 30, 2023

 

 

June 30, 2023

 

 

March 31, 2023

 

 

December 31, 2022

 

Fully tax-equivalent measures

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

$

10,753

 

 

$

11,100

 

 

$

13,703

 

 

$

13,413

 

 

$

15,384

 

Fully tax-equivalent adjustment

 

 

86

 

 

 

87

 

 

 

86

 

 

 

87

 

 

 

86

 

Net interest income (FTE) 1

 

$

10,839

 

 

$

11,187

 

 

$

13,789

 

 

$

13,500

 

 

$

15,470

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Efficiency ratio 2

 

 

64.4

%

 

 

60.7

%

 

 

54.4

%

 

 

56.5

%

 

 

52.0

%

Fully tax-equivalent adjustment

 

 

-0.4

%

 

 

-0.4

%

 

 

-0.3

%

 

 

-0.3

%

 

 

-0.3

%

Efficiency ratio (FTE) 3

 

 

64.0

%

 

 

60.3

%

 

 

54.1

%

 

 

56.2

%

 

 

51.7

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest margin

 

 

2.87

%

 

 

3.02

%

 

 

3.81

%

 

 

3.69

%

 

 

3.89

%

Fully tax-equivalent adjustment

 

 

0.02

%

 

 

0.02

%

 

 

0.02

%

 

 

0.02

%

 

 

0.02

%

Net interest margin (FTE) 1

 

 

2.89

%

 

 

3.04

%

 

 

3.83

%

 

 

3.71

%

 

 

3.91

%

 

 

 

For the Twelve Months Ended

 

 

 

December 31, 2023

 

 

December 31, 2022

 

Fully tax-equivalent measures

 

 

 

 

 

 

Net interest income

 

$

48,969

 

 

$

53,547

 

Fully tax-equivalent adjustment

 

 

349

 

 

 

333

 

Net interest income (FTE) 1

 

$

49,318

 

 

$

53,880

 

 

 

 

 

 

 

Efficiency ratio 2

 

 

58.7

%

 

 

57.4

%

Fully tax-equivalent adjustment

 

 

-0.4

%

 

 

-0.3

%

Efficiency ratio (FTE) 3

 

 

58.3

%

 

 

57.1

%

 

 

 

 

 

 

Net interest margin

 

 

3.34

%

 

 

3.19

%

Fully tax-equivalent adjustment

 

 

0.03

%

 

 

0.02

%

Net interest margin (FTE) 1

 

 

3.37

%

 

 

3.21

%

 

 

 

As of

 

 

 

December 31, 2023

 

 

September 30, 2023

 

 

June 30, 2023

 

 

March 31, 2023

 

 

December 31, 2022

 

Other financial measures

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Book value per share

 

$

28.52

 

 

$

25.29

 

 

$

26.54

 

 

$

26.50

 

 

$

25.00

 

Impact of intangible assets 4

 

 

(2.40

)

 

 

(2.46

)

 

 

(2.53

)

 

 

(2.62

)

 

 

(2.69

)

Tangible book value per share (non-GAAP)

 

$

26.12

 

 

$

22.83

 

 

$

24.01

 

 

$

23.88

 

 

$

22.31

 

 

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.

 

Page 9 of 9

 

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Document And Entity Information
Jan. 26, 2024
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Jan. 26, 2024
Entity Registrant Name VIRGINIA NATIONAL BANKSHARES CORPORATION
Entity Central Index Key 0001572334
Entity Emerging Growth Company false
Entity 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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