Virginia National Bankshares Corporation (VABK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 12.91M | 13.35M | 12.96M | 12.69M | 12.18M | 12.12M | 11.92M | 11.08M | 10.82M | 10.65M | 11.01M | 13.6M | 13.35M | 15.3M | 14.21M | 12.4M | 11.36M | 12.31M | 13.45M | 13.12M |
| NII Growth % | 5.97% | 10.1% | 8.71% | 14.49% | 12.58% | 13.83% | 8.32% | -18.52% | -18.94% | -30.37% | -22.55% | 9.7% | 17.45% | 24.26% | 5.67% | -5.5% | 91.3% | 84.61% | 123.22% | 128.91% |
| Net Interest Margin % | 0.78% | 0.81% | 0.81% | 0.78% | 0.75% | 0.75% | 0.74% | 0.7% | 0.67% | 0.65% | 0.7% | 0.86% | 0.85% | 0.94% | 0.82% | 0.71% | 0.59% | 0.62% | 0.7% | 0.71% |
| Interest Income | 18.88M | 19.63M | 19.36M | 19.03M | 18.89M | 19.19M | 19.3M | 18.56M | 18.44M | 17.97M | 17.12M | 18.23M | 16.3M | 16.19M | 14.88M | 13.1M | 12.28M | 13.29M | 14.08M | 14.1M |
| Interest Expense | 5.97M | 6.28M | 6.4M | 6.34M | 6.71M | 7.06M | 7.38M | 7.48M | 7.62M | 7.32M | 6.11M | 4.63M | 2.96M | 892K | 669K | 704K | 919K | 981K | 630K | 980K |
| Loan Loss Provision | -336K | -36K | 332K | 3K | -160K | -126K | -114K | -338K | -22K | 794K | -73K | 261K | -248K | 136K | 39K | -217K | 148K | 537K | 267K | -141K |
| Non-Interest Income | 1.49M | 1.67M | 1.46M | 1.42M | 1.88M | 1.85M | 1.55M | 1.79M | 1.92M | 2.24M | 2.74M | 2.15M | 2.34M | 2.93M | 2.37M | 3.71M | 2.31M | 3.67M | 3.32M | 2.95M |
| Non-Interest Income % | 7.31% | 7.85% | 7.03% | 6.94% | 9.03% | 8.81% | 7.45% | 8.8% | 9.42% | 11.07% | 13.79% | 10.55% | 12.57% | 15.34% | 13.72% | 22.07% | 15.83% | 21.62% | 19.09% | 17.31% |
| Total Revenue | 20.37M | 21.3M | 20.82M | 20.45M | 20.77M | 21.04M | 20.86M | 20.35M | 20.36M | 20.21M | 19.86M | 20.38M | 18.65M | 19.12M | 17.25M | 16.81M | 14.59M | 16.96M | 17.4M | 17.05M |
| Revenue Growth % | -1.93% | 1.25% | -0.17% | 0.46% | 2% | 4.11% | 5.04% | -0.11% | 9.19% | 5.69% | 15.15% | 21.21% | 27.78% | 12.77% | -0.89% | -1.41% | 89.36% | 80.11% | 113.5% | 112.34% |
| Non-Interest Expense | 8.2M | 7.48M | 8.4M | 8.68M | 8.82M | 8.26M | 7.94M | 8.12M | 8.44M | 8.3M | 8.34M | 8.56M | 8.86M | 9.43M | 9.5M | 9.44M | 7.56M | 9.51M | 12.61M | 15.99M |
| Efficiency Ratio | 40.26% | 35.09% | 40.36% | 42.46% | 42.49% | 39.24% | 38.08% | 39.9% | 41.46% | 41.06% | 42% | 42.03% | 47.52% | 49.34% | 55.1% | 56.17% | 51.78% | 56.1% | 72.48% | 93.8% |
| Operating Income | 6.53M | 7.58M | 5.69M | 5.42M | 5.39M | 5.85M | 5.65M | 5.09M | 4.32M | 3.8M | 5.48M | 6.92M | 7.08M | 8.66M | 7.04M | 6.88M | 5.97M | 5.93M | 3.89M | 219K |
| Operating Margin % | 32.07% | 35.58% | 27.31% | 26.52% | 25.96% | 27.79% | 27.07% | 25% | 21.2% | 18.79% | 27.58% | 33.97% | 37.95% | 45.29% | 40.79% | 40.94% | 40.91% | 34.95% | 22.36% | 1.28% |
| Operating Income Growth % | 21.19% | 29.66% | 0.71% | 6.58% | 24.86% | 53.99% | 3.1% | -26.51% | -38.99% | -56.15% | -22.15% | 0.6% | 18.55% | 46.14% | 80.8% | 3042.47% | 217.33% | 74.55% | 68.22% | -91.57% |
| Pretax Income | 6.53M | 7.58M | 5.69M | 5.42M | 5.39M | 5.85M | 5.65M | 5.09M | 4.32M | 3.8M | 5.48M | 6.92M | 7.08M | 8.66M | 7.04M | 6.88M | 5.97M | 5.93M | 3.89M | 219K |
| Pretax Margin % | 32.07% | 35.58% | 27.31% | 26.52% | 25.96% | 27.79% | 27.07% | 25% | 21.2% | 18.79% | 27.58% | 33.97% | 37.95% | 45.29% | 40.79% | 40.94% | 40.91% | 34.95% | 22.36% | 1.28% |
| Income Tax | 1.27M | 1.62M | 1.11M | 1.19M | 901K | 1.29M | 1.05M | 929K | 671K | 629K | 824K | 1.27M | 1.28M | 1.6M | 1.26M | 1.2M | 1.04M | 645K | 753K | 72K |
| Effective Tax Rate % | 19.49% | 21.41% | 19.54% | 21.85% | 16.72% | 21.99% | 18.54% | 18.26% | 15.54% | 16.57% | 15.04% | 18.37% | 18.16% | 18.51% | 17.95% | 17.39% | 17.51% | 10.88% | 19.35% | 32.88% |
| Net Income | 5.26M | 5.96M | 4.58M | 4.24M | 4.49M | 4.56M | 4.6M | 4.16M | 3.65M | 3.17M | 4.65M | 5.65M | 5.79M | 7.06M | 5.77M | 5.68M | 4.92M | 5.28M | 3.14M | 147K |
| Net Margin % | 25.82% | 27.97% | 21.98% | 20.73% | 21.62% | 21.68% | 22.05% | 20.43% | 17.91% | 15.68% | 23.43% | 27.73% | 31.06% | 36.91% | 33.47% | 33.82% | 33.74% | 31.14% | 18.03% | 0.86% |
| Net Income Growth % | 17.15% | 30.63% | -0.52% | 1.9% | 23.12% | 43.97% | -1.14% | -26.4% | -37.04% | -55.11% | -19.39% | -0.6% | 17.61% | 33.63% | 83.94% | 3767.35% | 227.18% | 101.87% | 67.81% | -92.96% |
| Net Income (Continuing) | 5.26M | 5.96M | 4.58M | 4.24M | 4.49M | 4.56M | 4.6M | 4.16M | 3.65M | 3.17M | 4.65M | 5.65M | 5.79M | 7.06M | 5.77M | 5.68M | 4.92M | 5.28M | 3.14M | 147K |
| EPS (Diluted) | 0.97 | 1.10 | 0.84 | 0.78 | 0.83 | 0.84 | 0.85 | 0.77 | 0.68 | 0.59 | 0.86 | 1.05 | 1.08 | 1.32 | 1.08 | 1.06 | 0.92 | 0.98 | 0.59 | 0.03 |
| EPS Growth % | 16.87% | 30.95% | -1.18% | 1.3% | 22.06% | 42.37% | -1.16% | -26.67% | -37.04% | -55.3% | -20.37% | -0.94% | 17.39% | 34.69% | 83.05% | 3433.33% | 67.27% | 2.08% | -14.49% | -96.1% |
| EPS (Basic) | 0.97 | 1.10 | 0.85 | 0.79 | 0.83 | 0.85 | 0.86 | 0.77 | 0.68 | 0.59 | 0.87 | 1.05 | 1.08 | 1.32 | 1.08 | 1.07 | 0.92 | 0.98 | 0.59 | 0.03 |
| Diluted Shares Outstanding | 5.44M | 5.42M | 5.42M | 5.41M | 5.4M | 5.41M | 5.4M | 5.39M | 5.38M | 5.39M | 5.4M | 5.38M | 5.38M | 5.36M | 5.35M | 5.35M | 5.33M | 5.31M | 5.34M | 5.32M |