2014 Q4 Form 10-Q Financial Statement

#000120677414003274 Filed on November 13, 2014

View on sec.gov

Income Statement

Concept 2014 Q4 2014 Q3 2013 Q3
Revenue $3.812M $3.871M
YoY Change -1.52%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $290.0K $280.0K $300.0K
YoY Change 0.0% -6.67%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $235.0K $239.0K
YoY Change -1.67%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $750.0K $476.0K $1.290M
YoY Change -89.26% -63.1%
Income Tax $190.0K $94.00K $365.0K
% Of Pretax Income 25.33% 19.75% 28.29%
Net Earnings $570.0K $382.0K $925.0K
YoY Change -87.66% -58.7%
Net Earnings / Revenue 10.02% 23.9%
Basic Earnings Per Share $0.14 $0.35
Diluted Earnings Per Share $200.0K $0.14 $0.35
COMMON SHARES
Basic Shares Outstanding 2.700M shares 2.698M shares 2.690M shares
Diluted Shares Outstanding 2.713M shares 2.691M shares

Balance Sheet

Concept 2014 Q4 2014 Q3 2013 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $197.5M $192.5M
YoY Change 13.02%
Cash & Equivalents $54.11M $48.42M $32.89M
Short-Term Investments $143.4M $144.1M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $9.465M $9.513M
YoY Change -3.65%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $537.1M $508.0M $483.9M
YoY Change 4.69% 4.97%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $1.700M $1.200M
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $18.00M $14.10M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $1.700M $1.200M
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00
YoY Change
TOTAL LIABILITIES
Total Short-Term Liabilities $1.700M $1.200M
Total Long-Term Liabilities $0.00 $0.00
Total Liabilities $476.4M $447.9M
YoY Change 4.72%
SHAREHOLDERS EQUITY
Retained Earnings $25.98M $25.54M
YoY Change 4.66%
Common Stock $6.721M $6.749M
YoY Change -0.06%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $60.63M $60.14M $53.72M
YoY Change
Total Liabilities & Shareholders Equity $537.1M $508.0M
YoY Change 4.69%

Cashflow Statement

Concept 2014 Q4 2014 Q3 2013 Q3
OPERATING ACTIVITIES
Net Income $570.0K $382.0K $925.0K
YoY Change -87.66% -58.7%
Depreciation, Depletion And Amortization $290.0K $280.0K $300.0K
YoY Change 0.0% -6.67%
Cash From Operating Activities $1.120M $980.0K $1.840M
YoY Change 47.37% -46.74%
INVESTING ACTIVITIES
Capital Expenditures -$250.0K -$200.0K -$180.0K
YoY Change 56.25% 11.11%
Acquisitions
YoY Change
Other Investing Activities -$22.85M -$5.000M -$7.440M
YoY Change 112.16% -32.8%
Cash From Investing Activities -$23.10M -$5.190M -$7.620M
YoY Change 111.15% -31.89%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 27.67M 620.0K -3.840M
YoY Change 59.3% -116.15%
NET CHANGE
Cash From Operating Activities 1.120M 980.0K 1.840M
Cash From Investing Activities -23.10M -5.190M -7.620M
Cash From Financing Activities 27.67M 620.0K -3.840M
Net Change In Cash 5.690M -3.590M -9.620M
YoY Change -20.86% -62.68%
FREE CASH FLOW
Cash From Operating Activities $1.120M $980.0K $1.840M
Capital Expenditures -$250.0K -$200.0K -$180.0K
Free Cash Flow $1.370M $1.180M $2.020M
YoY Change 48.91% -41.58%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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InterestExpenseTimeDeposits
578000 USD
CY2014Q3 us-gaap Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
9000 USD
CY2014Q3 us-gaap Interest Income Federal Funds Sold
InterestIncomeFederalFundsSold
23000 USD
CY2014Q4 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
2699836 shares
CY2014Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
3100000 USD
CY2013Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
3257000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
9396000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
9777000 USD
CY2013Q3 us-gaap Interest Income Federal Funds Sold
InterestIncomeFederalFundsSold
18000 USD
us-gaap Interest Income Federal Funds Sold
InterestIncomeFederalFundsSold
64000 USD
us-gaap Interest Income Federal Funds Sold
InterestIncomeFederalFundsSold
55000 USD
CY2014Q3 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
545000 USD
CY2013Q3 us-gaap Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
7000 USD
us-gaap Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
27000 USD
us-gaap Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase
InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
10000 USD
CY2014Q3 us-gaap Interest Expense
InterestExpense
235000 USD
CY2013Q3 us-gaap Interest Expense
InterestExpense
239000 USD
us-gaap Interest Expense
InterestExpense
690000 USD
us-gaap Interest Expense
InterestExpense
759000 USD
CY2014Q3 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
3577000 USD
CY2013Q3 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
3632000 USD
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
10915000 USD
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
10552000 USD
CY2014Q3 us-gaap Fees And Commissions Fiduciary And Trust Activities
FeesAndCommissionsFiduciaryAndTrustActivities
444000 USD
CY2013Q3 us-gaap Fees And Commissions Fiduciary And Trust Activities
FeesAndCommissionsFiduciaryAndTrustActivities
756000 USD
us-gaap Fees And Commissions Fiduciary And Trust Activities
FeesAndCommissionsFiduciaryAndTrustActivities
1404000 USD
us-gaap Fees And Commissions Fiduciary And Trust Activities
FeesAndCommissionsFiduciaryAndTrustActivities
2168000 USD
CY2014Q3 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
217000 USD
CY2013Q3 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
231000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
656000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
695000 USD
CY2014Q3 us-gaap Fees And Commissions Credit And Debit Cards
FeesAndCommissionsCreditAndDebitCards
186000 USD
CY2013Q3 us-gaap Fees And Commissions Credit And Debit Cards
FeesAndCommissionsCreditAndDebitCards
188000 USD
us-gaap Fees And Commissions Credit And Debit Cards
FeesAndCommissionsCreditAndDebitCards
543000 USD
us-gaap Fees And Commissions Credit And Debit Cards
FeesAndCommissionsCreditAndDebitCards
543000 USD
CY2014Q3 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
112000 USD
CY2013Q3 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
114000 USD
us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
328000 USD
us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
336000 USD
CY2014Q3 us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
USD
CY2013Q3 us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
34000 USD
us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
16000 USD
us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
50000 USD
CY2014Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
196000 USD
CY2013Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
152000 USD
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
435000 USD
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
295000 USD
CY2014Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
2357000 USD
CY2013Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
2004000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
6949000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
6013000 USD
CY2014Q3 us-gaap Occupancy Net
OccupancyNet
495000 USD
CY2013Q3 us-gaap Occupancy Net
OccupancyNet
510000 USD
us-gaap Occupancy Net
OccupancyNet
1478000 USD
us-gaap Occupancy Net
OccupancyNet
1532000 USD
CY2014Q3 us-gaap Equipment Expense
EquipmentExpense
126000 USD
CY2013Q3 us-gaap Equipment Expense
EquipmentExpense
133000 USD
us-gaap Equipment Expense
EquipmentExpense
393000 USD
us-gaap Equipment Expense
EquipmentExpense
465000 USD
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
1160000 USD
CY2014Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
1278000 USD
CY2013Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
1170000 USD
us-gaap Other Noninterest Expense
OtherNoninterestExpense
3875000 USD
us-gaap Other Noninterest Expense
OtherNoninterestExpense
3505000 USD
CY2014Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.14
CY2013Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.35
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.49
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.85
CY2014Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.14
CY2013Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.35
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.49
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.85
CY2013Q4 us-gaap Stockholders Equity
StockholdersEquity
57956000 USD
us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
538000 USD
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation And Exercise Of Stock Options
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions
-189000 USD
us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition
41000 USD
CY2014Q3 us-gaap Stockholders Equity
StockholdersEquity
60141000 USD
CY2012Q4 us-gaap Stockholders Equity
StockholdersEquity
53939000 USD
us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
269000 USD
us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition
84000 USD
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-2310000 USD
CY2013Q3 us-gaap Stockholders Equity
StockholdersEquity
53723000 USD
us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.20
us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.10
CY2014Q3 vabk Financing Receivable Number Of Contracts Modifications Recorded Investment
FinancingReceivableNumberOfContractsModificationsRecordedInvestment
3 pure
CY2014Q3 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1377000 USD
CY2013Q4 vabk Financing Receivable Number Of Contracts Modifications Recorded Investment
FinancingReceivableNumberOfContractsModificationsRecordedInvestment
2 pure
CY2013Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1369000 USD
vabk Financing Receivable Troubled Debt Restructurings Subsequent Defaults Number Of Contracts
FinancingReceivableTroubledDebtRestructuringsSubsequentDefaultsNumberOfContracts
2 pure
us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
248000 USD
vabk Financing Receivable Troubled Debt Restructurings Subsequent Defaults Number Of Contracts
FinancingReceivableTroubledDebtRestructuringsSubsequentDefaultsNumberOfContracts
pure
us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
USD
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
1 pure
us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
40000 USD
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
40000 USD
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
2690379 shares
us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
USD
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
USD
CY2014Q3 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
40000 USD
CY2014Q3 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
40000 USD
CY2014Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
1 pure
CY2013Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0 pure
CY2013Q3 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
USD
CY2013Q3 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
USD
CY2013Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
3360000 USD
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
186000 USD
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
38000 USD
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0 pure
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
118000 USD
CY2014Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
3094000 USD
CY2014Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3094000 USD
CY2014Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
1706000 USD
CY2014Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
287915000 USD
CY2012Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
3267000 USD
CY2013 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
161000 USD
CY2013 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
94000 USD
CY2013 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-160000 USD
CY2013Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3360000 USD
CY2013Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
1736000 USD
CY2013Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
298298000 USD
CY2014Q3 us-gaap Financing Receivable Recorded Investment30 To59 Days Past Due
FinancingReceivableRecordedInvestment30To59DaysPastDue
217000 USD
CY2014Q3 us-gaap Financing Receivable Recorded Investment60 To89 Days Past Due
FinancingReceivableRecordedInvestment60To89DaysPastDue
39000 USD
CY2014Q3 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
145000 USD
CY2014Q3 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
401000 USD
CY2014Q3 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
289220000 USD
CY2014Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
USD
CY2013Q4 us-gaap Financing Receivable Recorded Investment30 To59 Days Past Due
FinancingReceivableRecordedInvestment30To59DaysPastDue
310000 USD
CY2013Q4 us-gaap Financing Receivable Recorded Investment60 To89 Days Past Due
FinancingReceivableRecordedInvestment60To89DaysPastDue
230000 USD
CY2013Q4 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
269000 USD
CY2013Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
809000 USD
CY2013Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
299225000 USD
CY2013Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
178000 USD
CY2014Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
2697674 shares
CY2013Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
2690220 shares
CY2014Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
14875 shares
CY2013Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
317 shares
CY2014Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
2712549 shares
CY2013Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
2690537 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
2694487 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
2690220 shares
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
10870 shares
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
159 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
2705357 shares
CY2013Q4 us-gaap Assets
Assets
512994000 USD
CY2014Q3 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
9513000 USD
CY2013Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
9824000 USD
CY2014Q3 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
1507000 USD
CY2013Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
2372000 USD
CY2014Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
111260 shares
CY2013Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
220199 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
137607 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
226701 shares
CY2013Q4 us-gaap Restricted Investments
RestrictedInvestments
1645000 USD
CY2014Q3 us-gaap Marketable Securities
MarketableSecurities
144128000 USD
CY2013Q4 us-gaap Marketable Securities
MarketableSecurities
134672000 USD
CY2014Q3 us-gaap Bank Owned Life Insurance
BankOwnedLifeInsurance
12923000 USD
CY2013Q4 us-gaap Bank Owned Life Insurance
BankOwnedLifeInsurance
12595000 USD
CY2014Q3 us-gaap Other Assets
OtherAssets
4996000 USD
CY2013Q4 us-gaap Other Assets
OtherAssets
16785000 USD
CY2014Q3 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
140037000 USD
CY2014Q3 us-gaap Cash And Due From Banks
CashAndDueFromBanks
14505000 USD
CY2013Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
140911000 USD
CY2014Q3 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
81282000 USD
CY2013Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
80832000 USD
CY2014Q3 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
91119000 USD
CY2013Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
84555000 USD
CY2014Q3 us-gaap Time Deposits
TimeDeposits
120092000 USD
CY2013Q4 us-gaap Time Deposits
TimeDeposits
124162000 USD
CY2014Q3 us-gaap Deposits
Deposits
432530000 USD
CY2013Q4 us-gaap Deposits
Deposits
430460000 USD
CY2014Q3 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
14102000 USD
CY2013Q4 us-gaap Cash And Due From Banks
CashAndDueFromBanks
12871000 USD
CY2013Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
16297000 USD
CY2014Q3 us-gaap Accounts Payable And Accrued Liabilities Current And Noncurrent
AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent
1238000 USD
CY2013Q4 us-gaap Accounts Payable And Accrued Liabilities Current And Noncurrent
AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent
8281000 USD
CY2014Q3 us-gaap Liabilities
Liabilities
447870000 USD
CY2013Q4 us-gaap Liabilities
Liabilities
455038000 USD
CY2014Q3 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
2.50
CY2014Q3 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
2000000 shares
CY2014Q3 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
2.50
CY2014Q3 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
10000000 shares
CY2014Q3 us-gaap Federal Funds Sold
FederalFundsSold
33912000 USD
CY2014Q3 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
2699836 shares
CY2013Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
2690320 shares
CY2014Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Nonvested Number Of Shares
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares
288 shares
CY2014Q3 us-gaap Common Stock Value
CommonStockValue
6749000 USD
CY2013Q4 us-gaap Common Stock Value
CommonStockValue
6725000 USD
CY2014Q3 us-gaap Additional Paid In Capital
AdditionalPaidInCapital
28121000 USD
CY2013Q4 us-gaap Additional Paid In Capital
AdditionalPaidInCapital
27915000 USD
CY2014Q3 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
25542000 USD
CY2013Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
24747000 USD
CY2014Q3 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-271000 USD
CY2013Q4 us-gaap Federal Funds Sold
FederalFundsSold
27201000 USD
CY2013Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
AccumulatedOtherComprehensiveIncomeLossNetOfTax
-1431000 USD
CY2014Q3 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
508011000 USD
CY2013Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
512994000 USD
CY2014Q3 us-gaap Preferred Stock Value
PreferredStockValue
USD
CY2013Q4 us-gaap Preferred Stock Value
PreferredStockValue
USD
CY2014Q3 us-gaap Restricted Investments
RestrictedInvestments
1501000 USD
CY2013Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2013Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Nonvested Number Of Shares
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares
288 shares
CY2013Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
10000000 shares
CY2013Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
2000000 shares
CY2013Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
2690320 shares
CY2014Q3 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2014Q3 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
2699836 shares
CY2014Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
52000 USD
CY2013Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-74000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
1171000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-2299000 USD
CY2014Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
USD
CY2013Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
22000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
11000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
33000 USD
CY2014Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
52000 USD
CY2013Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-74000 USD
CY2014Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
434000 USD
CY2013Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
851000 USD
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
2493000 USD
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
-31000 USD
CY2014Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
28000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
604000 USD
CY2013Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-39000 USD
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-1185000 USD
CY2014Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
0 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-5000 USD
CY2013Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-12000 USD
CY2014Q3 us-gaap Other Comprehensive Income Loss Transfers From Held To Maturity To Available For Sale Securities Net Of Tax
OtherComprehensiveIncomeLossTransfersFromHeldToMaturityToAvailableForSaleSecuritiesNetOfTax
USD
CY2013Q3 us-gaap Other Comprehensive Income Loss Transfers From Held To Maturity To Available For Sale Securities Net Of Tax
OtherComprehensiveIncomeLossTransfersFromHeldToMaturityToAvailableForSaleSecuritiesNetOfTax
22000 USD
us-gaap Other Comprehensive Income Loss Transfers From Held To Maturity To Available For Sale Securities Net Of Tax
OtherComprehensiveIncomeLossTransfersFromHeldToMaturityToAvailableForSaleSecuritiesNetOfTax
USD
us-gaap Other Comprehensive Income Loss Transfers From Held To Maturity To Available For Sale Securities Net Of Tax
OtherComprehensiveIncomeLossTransfersFromHeldToMaturityToAvailableForSaleSecuritiesNetOfTax
22000 USD
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-17000 USD
us-gaap Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Tax
OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesTax
12000 USD
CY2013Q3 us-gaap Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Tax
OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesTax
12000 USD
us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-547000 USD
us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-670000 USD
us-gaap Gain Loss On Disposition Of Assets1
GainLossOnDispositionOfAssets1
44000 USD
us-gaap Depreciation And Amortization
DepreciationAndAmortization
860000 USD
us-gaap Depreciation And Amortization
DepreciationAndAmortization
982000 USD
us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-63000 USD
us-gaap Stock Option Plan Expense
StockOptionPlanExpense
41000 USD
us-gaap Stock Option Plan Expense
StockOptionPlanExpense
84000 USD
us-gaap Impairment Of Real Estate
ImpairmentOfRealEstate
64000 USD
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-13000 USD
us-gaap Increase Decrease In Receivables
IncreaseDecreaseInReceivables
-11286000 USD
us-gaap Increase Decrease In Receivables
IncreaseDecreaseInReceivables
-7260000 USD
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-7043000 USD
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-3282000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
6532000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
7872000 USD
us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
34444000 USD
us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
54568000 USD
us-gaap Increase Decrease In Restricted Cash And Investments For Operating Activities
IncreaseDecreaseInRestrictedCashAndInvestmentsForOperatingActivities
-144000 USD
us-gaap Increase Decrease In Restricted Cash And Investments For Operating Activities
IncreaseDecreaseInRestrictedCashAndInvestmentsForOperatingActivities
-84000 USD
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
19582000 USD
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
23887000 USD
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
1275000 USD
us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
6490000 USD
us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
14842000 USD
us-gaap Proceeds From Sale Of Held To Maturity Securities
ProceedsFromSaleOfHeldToMaturitySecurities
2013000 USD
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
-10021000 USD
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
13566000 USD
us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1032000 USD
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
11000 USD
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
549000 USD
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
297000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
2287000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-26328000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
6140000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-24031000 USD
us-gaap Increase Decrease In Time Deposits
IncreaseDecreaseInTimeDeposits
-4070000 USD
us-gaap Increase Decrease In Time Deposits
IncreaseDecreaseInTimeDeposits
-3833000 USD
us-gaap Proceeds From Payments For In Securities Sold Under Agreements To Repurchase
ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase
-2195000 USD
us-gaap Proceeds From Payments For In Securities Sold Under Agreements To Repurchase
ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase
7697000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-474000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-20436000 USD
us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
8345000 USD
us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
-38892000 USD
CY2013Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
40072000 USD
CY2012Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
71778000 USD
CY2014Q3 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
48417000 USD
CY2013Q3 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
32886000 USD
us-gaap Interest Paid
InterestPaid
702000 USD
us-gaap Interest Paid
InterestPaid
787000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
2438000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
2428000 USD
us-gaap Available For Sale Securities Change In Net Unrealized Holding Gain Loss
AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
1759000 USD
us-gaap Available For Sale Securities Change In Net Unrealized Holding Gain Loss
AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLoss
-3500000 USD
vabk Transfer Of Loans To Other Real Estate Owned
TransferOfLoansToOtherRealEstateOwned
244000 USD
vabk Transfer Of Loans To Other Real Estate Owned
TransferOfLoansToOtherRealEstateOwned
804000 USD
us-gaap Gain Loss On Disposition Of Assets1
GainLossOnDispositionOfAssets1
USD
us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
USD
us-gaap Impairment Of Real Estate
ImpairmentOfRealEstate
USD
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
USD
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
USD
us-gaap Proceeds From Sale Of Held To Maturity Securities
ProceedsFromSaleOfHeldToMaturitySecurities
USD
us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
USD
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
2000 USD
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation And Exercise Of Stock Options
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions
USD
us-gaap Transfer Of Loans Held For Sale To Portfolio Loans1
TransferOfLoansHeldForSaleToPortfolioLoans1
USD
us-gaap Transfer Of Loans Held For Sale To Portfolio Loans1
TransferOfLoansHeldForSaleToPortfolioLoans1
2699000 USD
dei Entity Registrant Name
EntityRegistrantName
Virginia National Bankshares Corp
dei Entity Filer Category
EntityFilerCategory
Smaller Reporting Company
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2014
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q3
dei Entity Central Index Key
EntityCentralIndexKey
0001572334
dei Document Type
DocumentType
10-Q
dei Document Period End Date
DocumentPeriodEndDate
2014-09-30
dei Amendment Flag
AmendmentFlag
false
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31

Files In Submission

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0001206774-14-003274-index.html Edgar Link pending
0001206774-14-003274.txt Edgar Link pending
0001206774-14-003274-xbrl.zip Edgar Link pending
exhibit31-1.htm Edgar Link pending
exhibit31-2.htm Edgar Link pending
exhibit32-1.htm Edgar Link pending
FilingSummary.xml Edgar Link unprocessable
Financial_Report.xls Edgar Link pending
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report.css Edgar Link pending
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vabk-20140930.xml Edgar Link completed
vabk-20140930.xsd Edgar Link pending
vabk-20140930_cal.xml Edgar Link unprocessable
vabk-20140930_def.xml Edgar Link unprocessable
vabk-20140930_lab.xml Edgar Link unprocessable
vabk-20140930_pre.xml Edgar Link unprocessable
vnb_10q.htm Edgar Link pending