Financial Statements — VABK
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Net Loans & Leases | 1.23 | 1.23 | 1.23 | 1.23 | 1.23 | 1.21 | 1.15 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 1.64 | 1.65 | 1.61 | 1.63 | 1.63 | 1.61 | 1.57 | 1.62 | 1.56 | 1.58 | 1.57 | 1.73 | 1.74 | 1.94 | 1.91 | 1.85 | 0.92 |
| Total Deposits | 1.41 | 1.43 | 1.38 | 1.39 | 1.43 | 1.38 | 1.37 | 1.43 | 1.37 | 1.35 | 1.40 | 1.60 | 1.60 | 1.77 | 1.74 | 1.63 | 0.80 |
| Total Liabilities | 1.44 | 1.46 | 1.43 | 1.46 | 1.47 | 1.45 | 1.42 | 1.47 | 1.43 | 1.44 | 1.43 | 1.61 | 1.61 | 1.79 | 1.75 | 1.69 | 0.84 |
| Retained Earnings | 0.10 | 0.10 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 | 0.07 | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Total Stockholder Equity | 0.19 | 0.19 | 0.18 | 0.17 | 0.17 | 0.17 | 0.15 | 0.15 | 0.14 | 0.14 | 0.14 | 0.13 | 0.13 | 0.15 | 0.16 | 0.16 | 0.08 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 19.50 | 18.88 | 19.63 | 19.47 | 19.14 | 19.01 | 19.30 | 19.41 | 18.66 | 18.56 | 18.07 | 17.21 | 18.33 | 16.37 | 16.28 | 14.95 | 13.17 | 12.34 | 13.34 | 14.13 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 7.48 | 7.62 | 7.32 | 6.11 | 4.63 | 2.96 | 0.89 | 0.67 | 0.70 | 0.92 | 0.98 | 0.63 |
| Net Interest Income | 13.75 | 12.91 | 13.35 | 13.07 | 12.80 | 12.29 | 12.24 | 12.02 | 11.18 | 10.94 | 10.75 | 11.10 | 13.70 | 13.41 | 15.38 | 14.28 | 12.46 | 11.43 | 12.36 | 13.50 |
| Provision for Credit Losses | 0.23 | (0.34) | (0.04) | 0.33 | 0.00 | (0.16) | (0.13) | (0.11) | (0.34) | (0.02) | 0.79 | (0.07) | 0.26 | (0.25) | 0.14 | 0.04 | (0.22) | 0.15 | 0.54 | 0.27 |
| Non-interest Income | 6.03 | 1.49 | 1.67 | 1.35 | 1.31 | 1.76 | 2.27 | 1.45 | 1.69 | 2.18 | 2.14 | 2.64 | 2.05 | 2.28 | 2.93 | 2.30 | 3.65 | 4.79 | 3.03 | 3.48 |
| Non-interest Expense | 8.27 | 8.20 | 7.48 | 8.40 | 8.68 | 8.82 | 8.78 | 7.94 | 8.12 | 8.82 | 8.30 | 8.34 | 8.56 | 8.86 | 9.52 | 9.50 | 9.44 | 10.10 | 8.92 | 12.82 |
| Pretax Income | 11.28 | 6.53 | 7.58 | 5.69 | 5.42 | 5.39 | 5.85 | 5.65 | 5.09 | 4.32 | 3.80 | 5.48 | 6.92 | 7.08 | 8.66 | 7.04 | 6.88 | 5.97 | 5.93 | 3.89 |
| Tax Provision | 2.27 | 1.27 | 1.62 | 1.11 | 1.19 | 0.90 | 1.29 | 1.05 | 0.93 | 0.67 | 0.63 | 0.82 | 1.27 | 1.29 | 1.60 | 1.26 | 1.20 | 1.05 | 0.65 | 0.75 |
| Net Income | 9.01 | 5.26 | 5.96 | 4.58 | 4.24 | 4.49 | 4.56 | 4.60 | 4.16 | 3.65 | 3.17 | 4.65 | 5.65 | 5.79 | 7.06 | 5.77 | 5.69 | 4.92 | 5.28 | 3.14 |
| Basic EPS | 1.66 | 0.97 | 1.10 | 0.85 | 0.79 | 0.83 | 0.85 | 0.86 | 0.77 | 0.68 | 0.60 | 0.87 | 1.05 | 1.08 | 1.32 | 1.08 | 1.07 | 0.93 | 0.99 | 0.59 |
| Diluted EPS | 1.65 | 0.97 | 1.10 | 0.84 | 0.78 | 0.83 | 0.85 | 0.85 | 0.77 | 0.68 | 0.59 | 0.86 | 1.05 | 1.08 | 1.32 | 1.08 | 1.06 | 0.92 | 0.97 | 0.59 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 3.50 | 7.24 | 6.53 | 5.98 | 6.74 | 2.09 | 3.36 | 15.18 | (6.37) | 3.12 | 3.21 | 0.58 | 3.52 | 6.60 | 5.23 | 7.79 | 0.28 | 9.39 | 5.97 | 2.63 |
| Capital Expenditures | 0.09 | 0.21 | 0.36 | (0.07) | 0.03 | 0.26 | 0.18 | 0.12 | 0.40 | 0.03 | 0.30 | 0.37 | 0.27 | 0.24 | 0.04 | 0.18 | 0.18 | 0.15 | 0.24 | 0.24 |
| Free Cash Flow* | 3.41 | 7.04 | 6.16 | 6.05 | 6.71 | 1.83 | 3.18 | 15.06 | (6.77) | 3.09 | 2.91 | 0.21 | 3.25 | 6.36 | 5.20 | 7.61 | 0.10 | 9.23 | 5.73 | 2.40 |
| Investing Cash Flow | 16.46 | 5.96 | 6.06 | 15.71 | 8.30 | 1.73 | (12.51) | (40.78) | 26.23 | 42.82 | (57.20) | 4.62 | (18.85) | 51.65 | 9.76 | (74.55) | (88.19) | (14.22) | 19.92 | 45.29 |
| Financing Cash Flow | (19.48) | (6.95) | 34.94 | (37.12) | (6.09) | 8.65 | 7.09 | 27.46 | (48.00) | (28.88) | 63.99 | (16.75) | 9.99 | (63.11) | (119.94) | (3.81) | (177.03) | (23.40) | 57.42 | 63.63 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 |
