$VBFC
Village Bank & Trust Financial Corp.

2024 Q4 Form 10-Q Financial Statement

#000155837024015334 Filed on November 12, 2024

View on sec.gov

Income Statement

Concept 2024 Q4 2024 Q3
Revenue $11.72M
YoY Change 19.88%
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 $166.0K
YoY Change 3.75%
% of Gross Profit
Operating Expenses $9.109M
YoY Change -30.39%
Operating Profit
YoY Change
Interest Expense $3.265M
YoY Change 39.05%
% of Operating Profit
Other Income/Expense, Net $2.318M
YoY Change -5.08%
Pretax Income $2.614M
YoY Change -179.04%
Income Tax $508.0K
% Of Pretax Income 19.43%
Net Earnings $2.106M
YoY Change -182.49%
Net Earnings / Revenue 17.96%
Basic Earnings Per Share $1.41
Diluted Earnings Per Share $1.41
COMMON SHARES
Basic Shares Outstanding 1.500M 1.495M
Diluted Shares Outstanding 1.495M

Balance Sheet

Concept 2024 Q4 2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $25.40M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $11.54M
YoY Change -2.65%
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 $759.5M
YoY Change 4.39%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $364.0K
YoY Change 82.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $20.00M
YoY Change 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $20.36M
YoY Change 0.81%
LONG-TERM LIABILITIES
Long-Term Debt $14.46M
YoY Change -0.25%
Other Long-Term Liabilities $4.238M
YoY Change 76.58%
Total Long-Term Liabilities $18.70M
YoY Change 10.66%
TOTAL LIABILITIES
Total Short-Term Liabilities $20.36M
Total Long-Term Liabilities $18.70M
Total Liabilities $685.3M
YoY Change 3.23%
SHAREHOLDERS EQUITY
Retained Earnings $16.50M
YoY Change 59.38%
Common Stock $5.918M
YoY Change 0.41%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $74.20M
YoY Change
Total Liabilities & Shareholders Equity $759.5M
YoY Change 4.39%

Cashflow Statement

Concept 2024 Q4 2024 Q3
OPERATING ACTIVITIES
Net Income $2.106M
YoY Change -182.49%
Depreciation, Depletion And Amortization $166.0K
YoY Change 3.75%
Cash From Operating Activities $6.853M
YoY Change 126.17%
INVESTING ACTIVITIES
Capital Expenditures $34.00K
YoY Change -71.67%
Acquisitions
YoY Change
Other Investing Activities -$6.925M
YoY Change -140.08%
Cash From Investing Activities -$6.959M
YoY Change -140.55%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 7.019M
YoY Change -126.15%
NET CHANGE
Cash From Operating Activities 6.853M
Cash From Investing Activities -6.959M
Cash From Financing Activities 7.019M
Net Change In Cash 6.913M
YoY Change -203.95%
FREE CASH FLOW
Cash From Operating Activities $6.853M
Capital Expenditures $34.00K
Free Cash Flow $6.819M
YoY Change 134.33%

Facts In Submission

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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
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CY2024Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
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us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
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us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
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CY2024Q3 us-gaap Comprehensive Income Net Of Tax
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us-gaap Comprehensive Income Net Of Tax
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CY2024Q3 us-gaap Common Stock Dividends Per Share Declared
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CY2024Q3 us-gaap Stockholders Equity
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CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
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CY2023Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
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CY2023Q3 us-gaap Dividends Common Stock Cash
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OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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us-gaap Common Stock Dividends Per Share Declared
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us-gaap Net Income Loss
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2024Q3 us-gaap Stockholders Equity
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CY2022Q4 us-gaap Stockholders Equity
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us-gaap Common Stock Dividends Per Share Declared
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us-gaap Dividends Common Stock Cash
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us-gaap Net Income Loss
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Depreciation Amortization And Accretion Net
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us-gaap Deferred Income Tax Expense Benefit
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vbfc Provision Recovery Of Loan Losses
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vbfc Gain Loss On Loans Held For Sale
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vbfc Gain Loss On Loans Held For Sale
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us-gaap Share Based Compensation
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us-gaap Share Based Compensation
ShareBasedCompensation
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us-gaap Proceeds From Sale Of Mortgage Loans Held For Sale
ProceedsFromSaleOfMortgageLoansHeldForSale
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us-gaap Proceeds From Sale Of Mortgage Loans Held For Sale
ProceedsFromSaleOfMortgageLoansHeldForSale
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us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
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us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
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us-gaap Accretion Amortization Of Discounts And Premiums Investments
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198000
us-gaap Accretion Amortization Of Discounts And Premiums Investments
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124000
us-gaap Bank Owned Life Insurance Income
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267000
us-gaap Bank Owned Life Insurance Income
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233000
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us-gaap Increase Decrease In Accrued Interest Receivable Net
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1617000
us-gaap Increase Decrease In Other Operating Assets
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154000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
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175000
us-gaap Increase Decrease In Other Operating Liabilities
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us-gaap Net Cash Provided By Used In Operating Activities
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us-gaap Net Cash Provided By Used In Operating Activities
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1523000
us-gaap Payments To Acquire Available For Sale Securities Debt
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us-gaap Payments To Acquire Available For Sale Securities Debt
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us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
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us-gaap Payments For Proceeds From Loans And Leases
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us-gaap Payments For Proceeds From Loans And Leases
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us-gaap Payments To Acquire Property Plant And Equipment
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us-gaap Payments To Acquire Property Plant And Equipment
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vbfc Payments To Acquire Restricted Stock
PaymentsToAcquireRestrictedStock
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vbfc Payments To Acquire Restricted Stock
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us-gaap Net Cash Provided By Used In Investing Activities
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us-gaap Net Cash Provided By Used In Investing Activities
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us-gaap Payments Of Dividends
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us-gaap Payments Of Dividends
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us-gaap Increase Decrease In Deposits
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40855000
us-gaap Increase Decrease In Deposits
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2031000
us-gaap Proceeds From Repayments Of Other Debt
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us-gaap Net Cash Provided By Used In Financing Activities
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us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
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us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
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us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
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CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2024Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
522000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
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vbfc Unrealized Gain On Securities Available For Sale
UnrealizedGainOnSecuritiesAvailableForSale
1992000
vbfc Unrealized Gain On Securities Available For Sale
UnrealizedGainOnSecuritiesAvailableForSale
3563000
vbfc Minimum Pension Adjustments Through Noncash Payments Amount
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us-gaap Basis Of Accounting
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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;margin:0pt 0pt 12pt 0pt;">Note 1 – Principles of presentation</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">Village Bank and Trust Financial Corp. (the “Company”) is the holding company of Village Bank (the “Bank”). The consolidated financial statements include the accounts of the Company, the Bank and the Bank’s subsidiary, Village Bank Mortgage Corporation. All material intercompany balances and transactions have been eliminated in consolidation.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt;">In the opinion of management, the accompanying condensed consolidated financial statements of the Company have been prepared on the accrual basis in accordance with generally accepted accounting principles for interim financial information. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. However, all adjustments that are, in the opinion of management, necessary for a fair presentation have been included. The results of operations for the three and nine month periods ended September 30, 2024 are not necessarily indicative of the results to be expected for the full year ending December 31, 2024. The unaudited interim financial statements should be read in conjunction with the audited financial statements and notes to financial statements that are presented in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 as filed with the Securities and Exchange Commission (“SEC”).</p>
CY2024Q3 us-gaap Net Income Loss
NetIncomeLoss
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CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
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CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
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us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
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CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
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CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
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CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
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PercentageOfClassOfLoansToLoanPortfolio
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CY2023Q4 vbfc Financing Receivable Unamortized Loan Commitment Origination Fee Costs
FinancingReceivableUnamortizedLoanCommitmentOriginationFeeCosts
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CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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3423000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss
611684000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss
572388000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Nonaccrual
FinancingReceivableExcludingAccruedInterestNonaccrual
369000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Nonaccrual
FinancingReceivableExcludingAccruedInterestNonaccrual
291000
CY2024Q3 us-gaap Financing Receivable Individually Evaluated With Allowance For Credit Loss
FinancingReceivableIndividuallyEvaluatedWithAllowanceForCreditLoss
79000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
15000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Nonaccrual
FinancingReceivableExcludingAccruedInterestNonaccrual
369000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
0
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Nonaccrual
FinancingReceivableExcludingAccruedInterestNonaccrual
291000
us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
27000
us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff
16000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
16000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
73289000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
87266000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
94294000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
88433000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
44266000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
152663000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Revolving
FinancingReceivableExcludingAccruedInterestRevolving
74561000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
614772000
CY2023 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
33000
CY2023 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
33000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
88151000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
100297000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
96010000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
48576000
CY2023Q4 vbfc Financing Receivable Excluding Accrued Interest Year Six Originated Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearSixOriginatedFiveYearsBeforeCurrentFiscalYear
29814000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
146610000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Revolving
FinancingReceivableExcludingAccruedInterestRevolving
65550000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
575008000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
614772000
CY2024Q3 vbfc Financing Receivable And Net Investment In Lease Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableAndNetInvestmentInLeaseRecordedInvestment90DaysPastDueAndStillAccruing
1570000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
575008000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
2228000
CY2024Q3 vbfc Impaired Financing Receivable With No Related Allowance Recorded Investment1
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment1
290000
CY2024Q3 vbfc Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance1
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance1
290000
CY2023Q4 vbfc Impaired Financing Receivable With No Related Allowance Recorded Investment1
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment1
291000
CY2023Q4 vbfc Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance1
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance1
291000
CY2024Q3 vbfc Impaired Financing Receivable With Related Allowance Recorded Investment1
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment1
79000
CY2024Q3 vbfc Impaired Financing Receivable With Related Allowance Unpaid Principal Balance1
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance1
79000
CY2024Q3 vbfc Impaired Financing Receivable With Related Allowance
ImpairedFinancingReceivableWithRelatedAllowance
15000
CY2024Q3 vbfc Impaired Financing Receivable Recorded Investment1
ImpairedFinancingReceivableRecordedInvestment1
369000
CY2024Q3 vbfc Impaired Financing Receivable Unpaid Principal Balance1
ImpairedFinancingReceivableUnpaidPrincipalBalance1
369000
CY2024Q3 vbfc Impaired Financing Receivable Related Allowance1
ImpairedFinancingReceivableRelatedAllowance1
15000
CY2023Q4 vbfc Impaired Financing Receivable Recorded Investment1
ImpairedFinancingReceivableRecordedInvestment1
291000
CY2023Q4 vbfc Impaired Financing Receivable Unpaid Principal Balance1
ImpairedFinancingReceivableUnpaidPrincipalBalance1
291000
CY2024Q3 vbfc Impaired Financing Receivable With No Related Allowance Average Recorded Investment1
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment1
280000
CY2024Q3 vbfc Impairedfinancing Receivable With No Related Allowance Interest Income Accrual Method1
ImpairedfinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1
8000
vbfc Impaired Financing Receivable With No Related Allowance Average Recorded Investment1
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment1
286000
vbfc Impairedfinancing Receivable With No Related Allowance Interest Income Accrual Method1
ImpairedfinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1
19000
CY2024Q3 vbfc Impaired Financing Receivable With Related Allowance Average Recorded Investment1
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment1
46000
CY2024Q3 vbfc Impaired Financing Receivable With Related Allowance Interest Income Accrual Method1
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod1
1000
vbfc Impaired Financing Receivable With Related Allowance Average Recorded Investment1
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment1
40000
vbfc Impaired Financing Receivable With Related Allowance Interest Income Accrual Method1
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod1
4000
CY2024Q3 vbfc Impaired Financing Receivable Average Recorded Investment1
ImpairedFinancingReceivableAverageRecordedInvestment1
326000
CY2024Q3 vbfc Impaired Financing Receivable Interest Income Accrual Method1
ImpairedFinancingReceivableInterestIncomeAccrualMethod1
9000
vbfc Impaired Financing Receivable Average Recorded Investment1
ImpairedFinancingReceivableAverageRecordedInvestment1
326000
vbfc Impaired Financing Receivable Interest Income Accrual Method1
ImpairedFinancingReceivableInterestIncomeAccrualMethod1
23000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3681000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
-9000
CY2024Q3 vbfc Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff1
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff1
5000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
33000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3700000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3256000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
-53000
CY2023Q3 vbfc Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff1
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff1
16000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
166000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3353000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3423000
us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
128000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
16000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
165000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3700000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3370000
us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
-52000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
23000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
185000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3353000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3370000
CY2023 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
-21000
CY2023 vbfc Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff1
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff1
33000
CY2023 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
192000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3423000
CY2024Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-9000
CY2023Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-53000
CY2024Q3 us-gaap Provision For Other Losses
ProvisionForOtherLosses
9000
CY2023Q3 us-gaap Provision For Other Losses
ProvisionForOtherLosses
53000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
128000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-52000
us-gaap Provision For Other Losses
ProvisionForOtherLosses
22000
us-gaap Provision For Other Losses
ProvisionForOtherLosses
52000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
150000
CY2024Q3 vbfc Financing Receivable Allowance For Credit Loss Excluding Accrued Interest And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAndOffBalanceSheetCreditLossLiability
4030000.00
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3700000
CY2024Q3 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
328000
CY2024Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-8500
CY2024Q3 us-gaap Provision For Other Losses
ProvisionForOtherLosses
8500
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
128000
vbfc Loan Growth Being Offset By Improved Credit Metrics As Non Performing Loans As Percentage Of Loans
LoanGrowthBeingOffsetByImprovedCreditMetricsAsNonPerformingLoansAsPercentageOfLoans
0.0006
CY2023 vbfc Loan Growth Being Offset By Improved Credit Metrics As Non Performing Loans As Percentage Of Loans
LoanGrowthBeingOffsetByImprovedCreditMetricsAsNonPerformingLoansAsPercentageOfLoans
0.0005
us-gaap Provision For Other Losses
ProvisionForOtherLosses
21800
CY2023Q3 vbfc Financing Receivable Allowance For Credit Loss Excluding Accrued Interest And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAndOffBalanceSheetCreditLossLiability
3680000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3350000
CY2023Q3 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
329000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-52000
CY2022 vbfc Loan Growth Being Offset By Improved Credit Metrics As Non Performing Loans As Percentage Of Loans
LoanGrowthBeingOffsetByImprovedCreditMetricsAsNonPerformingLoansAsPercentageOfLoans
0.0013
vbfc Loan Growth Being Offset By Improved Credit Metrics As Non Performing Loans As Percentage Of Loans
LoanGrowthBeingOffsetByImprovedCreditMetricsAsNonPerformingLoansAsPercentageOfLoans
0.0006
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
162000
us-gaap Provision For Other Losses
ProvisionForOtherLosses
52000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3700000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
15000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3685000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
614772000
CY2024Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
369000
CY2024Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
614403000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
3423000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3423000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
575008000
CY2023Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
291000
CY2023Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
574717000
CY2024Q3 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
246838000
CY2024Q3 vbfc Percentage Of Noninterest Bearing Demand To Deposits
PercentageOfNoninterestBearingDemandToDeposits
0.382
CY2023Q4 us-gaap Noninterest Bearing Domestic Deposit Demand
NoninterestBearingDomesticDepositDemand
247624000
CY2023Q4 vbfc Percentage Of Noninterest Bearing Demand To Deposits
PercentageOfNoninterestBearingDemandToDeposits
0.409
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
69763000
CY2024Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Checking
PercentageOfInterestBearingDomesticDepositsToDepositsChecking
0.108
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
76289000
CY2023Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Checking
PercentageOfInterestBearingDomesticDepositsToDepositsChecking
0.126
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
236135000
CY2024Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Money Market
PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket
0.366
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
195249000
CY2023Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Money Market
PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket
0.323
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
31626000
CY2024Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Savings
PercentageOfInterestBearingDomesticDepositsToDepositsSavings
0.049
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
39633000
CY2023Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Savings
PercentageOfInterestBearingDomesticDepositsToDepositsSavings
0.065
CY2024Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Time Deposits
PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits
0.039
CY2023Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Time Deposits
PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits
0.015
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Other Time Deposit
InterestBearingDomesticDepositOtherTimeDeposit
36353000
CY2024Q3 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Other Time Deposit
PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit
0.056
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Other Time Deposit
InterestBearingDomesticDepositOtherTimeDeposit
37405000
CY2023Q4 us-gaap Percentage Of Interest Bearing Domestic Deposits To Deposits Other Time Deposit
PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit
0.062
CY2024Q3 us-gaap Deposits
Deposits
646200000
CY2024Q3 vbfc Percentage Of Domestic Deposits Liability Total
PercentageOfDomesticDepositsLiabilityTotal
1.000
CY2023Q4 us-gaap Deposits
Deposits
605345000
CY2023Q4 vbfc Percentage Of Domestic Deposits Liability Total
PercentageOfDomesticDepositsLiabilityTotal
1.000
CY2024Q3 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
1500000
CY2023Q4 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
2600000
CY2024Q3 us-gaap Federal Home Loan Bank Advances Long Term
FederalHomeLoanBankAdvancesLongTerm
20000000.0
CY2023Q4 us-gaap Federal Home Loan Bank Advances Long Term
FederalHomeLoanBankAdvancesLongTerm
45.0
CY2024Q3 us-gaap Other Borrowings
OtherBorrowings
0
CY2023Q4 us-gaap Other Borrowings
OtherBorrowings
0
CY2024Q3 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
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45400000
vbfc Variable Interest Rate Replacement Spread Adjustment
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0.0026161
vbfc Variable Interest Rate Replacement Spread Adjustment
VariableInterestRateReplacementSpreadAdjustment
0.0026161
vbfc Percentage Of Tier One Risk Based Capital Required For Capital Adequacy
PercentageOfTierOneRiskBasedCapitalRequiredForCapitalAdequacy
0.25
CY2018Q1 us-gaap Proceeds From Issuance Of Subordinated Long Term Debt
ProceedsFromIssuanceOfSubordinatedLongTermDebt
5500000
vbfc Variable Interest Rate Replacement Spread Adjustment
VariableInterestRateReplacementSpreadAdjustment
0.0026161
CY2024Q3 us-gaap Subordinated Debt
SubordinatedDebt
5700000
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
0
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
0
CY2023Q4 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingFairValue
0
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
14
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
25.28
CY2022Q4 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingFairValue
9.76
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
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0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
0
vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Forfeited Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeitedFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
0
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
0
vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Forfeited Fair Value
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CY2024Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
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CY2023Q3 vbfc Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Fair Value
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
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CY2024Q3 us-gaap Income Tax Expense Benefit
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CY2023Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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CY2023Q3 us-gaap Income Tax Expense Benefit
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us-gaap Interest And Dividend Income Operating
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vbfc Mortgage Banking Income Noninterest Income
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us-gaap Revenue From Contract With Customer Including Assessed Tax
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us-gaap Revenues
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33922000
vbfc Provision Recovery Of Loan Losses
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150000
us-gaap Interest Expense
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us-gaap Operating Expenses
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us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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us-gaap Income Tax Expense Benefit
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CY2024Q3 us-gaap Assets
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us-gaap Interest And Dividend Income Operating
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vbfc Mortgage Banking Income Noninterest Income
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CY2024Q3 us-gaap Banking Regulation Capital Conservation Buffer Common Equity Tier One Risk Based Capital Actual
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CY2024Q3 us-gaap Banking Regulation Capital Conservation Buffer Tier One Risk Based Capital Actual
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0.025
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0.025
CY2024Q3 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
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0.04
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0.065
CY2024Q3 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
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0.080
CY2024Q3 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
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CY2024Q3 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
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0.050
CY2024Q3 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Capital Adequacy Minimum
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CY2024Q3 us-gaap Banking Regulation Capital Conservation Buffer Common Equity Tier One Risk Based Capital Actual
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CY2024Q3 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
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0.025
CY2024Q3 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
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CY2024Q3 us-gaap Banking Regulation Capital Conservation Buffer Total Risk Based Capital Actual
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0.025
CY2024Q3 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
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0.040
CY2024Q3 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
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159311000
CY2023Q4 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
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136583000
CY2024Q3 us-gaap Loans Held For Sale Fair Value Disclosure
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2400000
CY2024Q3 vbfc Loans Held For Sale Unpaid Principal Balance
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2400000
CY2023Q4 us-gaap Loans Held For Sale Fair Value Disclosure
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5000000.0
CY2023Q4 vbfc Loans Held For Sale Unpaid Principal Balance
LoansHeldForSaleUnpaidPrincipalBalance
4800000

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