Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 54-1375874 (I.R.S. Employer Identification No.) (State or other jurisdiction of incorporation or organization) 101 Hubbard Street Blacksburg, Virginia 24062-9002 (Address of principal executive offices) (540) 951-6300 (Registrant's telephone number, including area code) ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ NATIONAL BANKSHARES, INC. (Exact name of registrant as specified in its charter) Commission File Number 0-15204 Virginia (State or ot ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number 0-15204 NATIONAL BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia (State or o ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2021 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ________ to ________. Commission File Number: 0-15204 NATIONAL BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia (State or other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ NATIONAL BANKSHARES, INC. (Exact name of registrant as specified in its charter) Commission File Number 0-15204 Virginia (State ...

[Part I – Financial Information](index=4&type=section&id=Part%20I%20%E2%80%93%20Financial%20Information) [Financial Statements](index=4&type=section&id=Item%201.%20Financial%20Statements) Unaudited consolidated financial statements for National Bankshares, Inc. as of June 30, 2021, and for the three and six-month periods then ended are presented [Consolidated Balance Sheets](index=4&type=section&id=Consolidated%20Balance%20Sheets) Total assets increased to **$1.66 billion** from **$1.52 billion** at year-end 2020, with deposits rising to **$1.45 billion** and equity decreasing to **$191.2 million** Consolidated Balance Sheets (in thousands) | (in thousands) | June 30, 2021 | December 31, 2020 | | :--- | :--- | :--- | | **Total Assets** | **$1,661,652** | **$1,519,673** | | Cash and interest-bearing deposits | $164,521 | $133,872 | | Securities available for sale | $617,756 | $546,742 | | Loans, net | $797,117 | $760,318 | | **Total Liabilities** | **$1,470,417** | **$1,319,066** | | Total deposits | $1,449,624 | $1,297,143 | | **Total Stockholders' Equity** | **$191,235** | **$200,607** | [Consolidated Statements of Income](index=5&type=section&id=Consolidated%20Statements%20of%20Income) Net income increased significantly in Q2 2021 to **$4.6 million** and for the six-month period to **$9.4 million**, driven by reduced loan loss provisions and higher net interest income Consolidated Statements of Income (Three Months Ended June 30) | (in thousands, except per share data) | Three Months Ended June 30, 2021 | Three Months Ended June 30, 2020 | | :--- | :--- | :--- | | Net interest income | $10,063 | $9,152 | | Provision for loan losses | $4 | $1,352 | | Noninterest income | $1,941 | $1,745 | | Noninterest expense | $6,447 | $6,077 | | **Net Income** | **$4,613** | **$2,982** | | **Fully diluted EPS** | **$0.74** | **$0.46** | Consolidated Statements of Income (Six Months Ended June 30) | (in thousands, except per share data) | Six Months Ended June 30, 2021 | Six Months Ended June 30, 2020 | | :--- | :--- | :--- | | Net interest income | $20,090 | $18,744 | | Provision for loan losses | $54 | $1,831 | | Noninterest income | $4,275 | $3,880 | | Noninterest expense | $12,983 | $12,544 | | **Net Income** | **$9,379** | **$6,961** | | **Fully diluted EPS** | **$1.49** | **$1.07** | [Consolidated Statements of Cash Flows](index=10&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash provided by operating activities was **$11.2 million**, while investing activities used **$149.4 million**, and financing activities provided **$138.8 million**, primarily from deposit growth Consolidated Statements of Cash Flows (Six Months Ended June 30) | (in thousands) | Six Months Ended June 30, 2021 | Six Months Ended June 30, 2020 | | :--- | :--- | :--- | | Net cash provided by operating activities | $11,209 | $6,422 | | Net cash used in investing activities | ($149,351) | ($98,904) | | Net cash provided by financing activities | $138,808 | $95,507 | | **Net change in cash and due from banks** | **$666** | **$3,025** | [Notes to Consolidated Financial Statements](index=12&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Detailed notes cover accounting policies, COVID-19 impacts on lending, PPP loans, loan portfolio breakdowns, allowance for loan losses, securities, and fair value measurements - The company participated in the Paycheck Protection Program (PPP), providing **1,259 loans** totaling **$83.0 million** since April 2020. As of June 30, 2021, **$29.9 million** in PPP loans remained outstanding[39](index=39&type=chunk) - The company is preparing for the adoption of ASU 2016-13 (CECL) for credit losses, effective for fiscal years beginning after December 15, 2022, with management refining assumptions using multiple models[50](index=50&type=chunk) Loan Portfolio (in thousands) | Loan Portfolio (in thousands) | June 30, 2021 | December 31, 2020 | | :--- | :--- | :--- | | Real estate construction | $48,569 | $42,266 | | Consumer real estate | $196,214 | $181,782 | | Commercial real estate | $404,636 | $393,115 | | Commercial non real estate | $73,522 | $78,771 | | **Total Loans, net** | **$805,194** | **$768,799** | Nonperforming Assets (in thousands) | Nonperforming Assets (in thousands) | June 30, 2021 | December 31, 2020 | | :--- | :--- | :--- | | Nonperforming loans | $3,822 | $3,685 | | Other real estate owned, net | $1,007 | $1,553 | | **Total nonperforming assets** | **$4,829** | **$5,238** | | Ratio of nonperforming assets to loans + OREO | 0.60% | 0.68% | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=40&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses improved financial performance in H1 2021, driven by higher net interest income and lower loan loss provisions, alongside stable asset quality, strengthened liquidity, and robust capital levels [Performance Summary](index=48&type=section&id=Performance%20Summary) Key performance metrics improved in H1 2021, with ROA increasing to **1.18%**, ROE to **9.63%**, and the efficiency ratio improving to **53.26%**, despite net interest margin compression to **2.80%** Performance Ratios | Performance Ratios | Six Months Ended June 30, 2021 | Six Months Ended June 30, 2020 | | :--- | :--- | :--- | | Return on average assets | 1.18% | 1.01% | | Return on average equity | 9.63% | 7.15% | | Basic and fully diluted EPS | $1.49 | $1.07 | | Net interest margin | 2.80% | 3.05% | | Efficiency ratio | 53.26% | 55.24% | [Asset Quality](index=50&type=section&id=Asset%20Quality) Asset quality remained strong with nonperforming assets decreasing to **0.60%**, and the provision for loan losses significantly lower at **$54 thousand** for H1 2021, reflecting improved portfolio performance Asset Quality Indicators | Asset Quality Indicators | June 30, 2021 | December 31, 2020 | | :--- | :--- | :--- | | Nonperforming loans (in thousands) | $3,822 | $3,685 | | Allowance for loan losses to loans | 1.00% | 1.10% | | Allowance for loan losses to loans (ex-PPP) | 1.04% | 1.16% | | Ratio of nonperforming assets to loans + OREO | 0.60% | 0.68% | - The provision for loan losses was only **$54 thousand** for the first six months of 2021, a steep decline from **$1.83 million** in the first half of 2020, which was elevated due to the initial economic impact of the COVID-19 pandemic[239](index=239&type=chunk)[290](index=290&type=chunk) [Net Interest Income](index=55&type=section&id=Net%20Interest%20Income) Net interest income increased to **$20.6 million** for H1 2021, but the net interest margin compressed to **2.80%** due to loan refinancing and lower yields, partially offset by PPP loan income - The net interest margin declined to **2.80%** for the first six months of 2021 from **3.05%** in 2020, primarily due to loan refinancing and lower yields on securities in the low interest rate environment[288](index=288&type=chunk) - PPP loans contributed positively, adding **$198 thousand** in interest and **$894 thousand** in fee recognition during the first six months of 2021; excluding PPP loans, the net interest margin would have been lower at **2.66%**[289](index=289&type=chunk) [Noninterest Income and Expense](index=57&type=section&id=Noninterest%20Income%20and%20Expense) Noninterest income increased to **$4.3 million** driven by card fees, while noninterest expense rose to **$13.0 million** due to higher salaries, pension costs, and FDIC assessments - Credit and debit card fees (net) increased **31.9%** to **$913 thousand** for the six months ended June 30, 2021, compared to the same period in 2020[291](index=291&type=chunk)[293](index=293&type=chunk) - Salaries and employee benefits expense increased by **6.6%** for the six-month period, largely due to a **$248 thousand** increase in the service component of net periodic pension cost[298](index=298&type=chunk)[299](index=299&type=chunk) - FDIC assessment expense increased significantly to **$176 thousand** for the first half of 2021 from **$40 thousand** in 2020, as small bank assessment credits were fully utilized[301](index=301&type=chunk) [Liquidity and Capital Resources](index=60&type=section&id=Liquidity%20and%20Capital%20Resources) Liquidity remained strong with **11.76%** deposit growth, while total stockholders' equity decreased to **$191.2 million** due to **$9.4 million** in share repurchases and **$4.3 million** in dividends, though regulatory capital ratios remain robust - Total deposits grew by **$152.5 million (11.76%)** since December 31, 2020, largely due to government stimulus funds, strengthening the company's liquidity position[309](index=309&type=chunk) - The company repurchased **261,962 shares** for **$9.4 million** in the first six months of 2021, with a new **1,000,000 share** repurchase program authorized effective June 1, 2021[317](index=317&type=chunk) NBB Regulatory Capital Ratios | NBB Regulatory Capital Ratios | June 30, 2021 | Minimum with Buffer | | :--- | :--- | :--- | | Common Equity Tier I Capital Ratio | 18.69% | 7.00% | | Tier I Capital Ratio | 18.69% | 8.50% | | Total Capital Ratio | 19.54% | 10.50% | | Leverage Ratio | 11.54% | 4.00% | [Quantitative and Qualitative Disclosures About Market Risk](index=62&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) Interest rate risk remains the company's primary market risk, with no significant changes reported since the 2020 Form 10-K disclosures - The company's primary market risk is interest rate risk, and there have been no significant changes to this risk exposure since the disclosures in the 2020 Form 10-K[326](index=326&type=chunk) [Controls and Procedures](index=62&type=section&id=Item%204.%20Controls%20and%20Procedures) Disclosure controls and procedures were effective as of June 30, 2021, with no material changes to internal control over financial reporting during Q2 2021 - Management concluded that the company's disclosure controls and procedures were effective as of June 30, 2021[327](index=327&type=chunk) - No material changes to the company's internal control over financial reporting occurred during the three months ended June 30, 2021[328](index=328&type=chunk) [Part II – Other Information](index=62&type=section&id=Part%20II%20%E2%80%93%20Other%20Information) [Legal Proceedings](index=62&type=section&id=Item%201.%20Legal%20Proceedings) No pending or threatened legal proceedings are expected to materially impact the company's financial condition - There are no pending or threatened legal proceedings that management believes may materially impact the company's financial condition[331](index=331&type=chunk) [Risk Factors](index=62&type=section&id=Item%201A.%20Risk%20Factors) For information on risk factors, the company refers to its previously filed 2020 Annual Report on Form 10-K - For information on risk factors, the company refers to its previously filed 2020 Annual Report on Form 10-K[332](index=332&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=63&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) During Q2 2021, the company repurchased **150,130 shares** at an average price of **$35.48**, and authorized a new **1,000,000 share** repurchase program Common Stock Repurchases (Q2 2021) | Period | Total Shares Purchased | Average Price Paid Per Share | | :--- | :--- | :--- | | April 2021 | 88,530 | $35.81 | | May 2021 | 61,600 | $35.61 | | June 2021 | - | - | | **Total Q2 2021** | **150,130** | **$35.48** | - A new **1,000,000 share** repurchase program was authorized by the Board of Directors, effective from June 1, 2021, to May 31, 2022[334](index=334&type=chunk) [Defaults Upon Senior Securities](index=63&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) The company reported no defaults upon senior securities - None[335](index=335&type=chunk) [Mine Safety Disclosures](index=63&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This item is not applicable to the company - Not applicable[336](index=336&type=chunk) [Other Information](index=63&type=section&id=Item%205.%20Other%20Information) The company reported no other information for this item - None[337](index=337&type=chunk) [Exhibits](index=64&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with the Form 10-Q, including CEO/CFO certifications and iXBRL financial data

Part I – Financial Information [Item 1. Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) This section presents National Bankshares, Inc.'s unaudited consolidated financial statements for Q1 2021, along with detailed notes on accounting policies and financial components [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) As of March 31, 2021, total assets grew to $1.57 billion from $1.52 billion at year-end 2020, funded by increased deposits, while stockholders' equity decreased to $189.1 million Consolidated Balance Sheet Highlights (in thousands) | Account | March 31, 2021 | December 31, 2020 | | :--- | :--- | :--- | | **Total Assets** | **$1,568,210** | **$1,519,673** | | Loans, net | $770,824 | $760,318 | | Securities available for sale | $571,359 | $546,742 | | **Total Liabilities** | **$1,379,141** | **$1,319,066** | | Total deposits | $1,358,588 | $1,297,143 | | **Total Stockholders' Equity** | **$189,069** | **$200,607** | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) For Q1 2021, net income increased by 19.8% to $4.77 million, driven by higher net interest and noninterest income, and a substantially lower provision for loan losses Q1 2021 vs Q1 2020 Income Statement (in thousands, except EPS) | Metric | Q1 2021 | Q1 2020 | | :--- | :--- | :--- | | Net Interest Income | $10,027 | $9,592 | | Provision for loan losses | $50 | $479 | | Noninterest Income | $2,334 | $2,135 | | Noninterest Expense | $6,536 | $6,467 | | **Net Income** | **$4,766** | **$3,979** | | **Fully diluted EPS** | **$0.74** | **$0.61** | [Consolidated Statements of Comprehensive Income](index=6&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) The company reported a total comprehensive loss of $7.55 million for Q1 2021, primarily due to a significant unrealized holding loss on available-for-sale securities Comprehensive Income (Loss) Summary (in thousands) | Component | Q1 2021 | Q1 2020 | | :--- | :--- | :--- | | Net Income | $4,766 | $3,979 | | Other comprehensive income (loss), net of tax | ($12,313) | $3,854 | | **Total Comprehensive Income (Loss)** | **($7,547)** | **$7,833** | [Consolidated Statements of Changes in Stockholders' Equity](index=7&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity decreased from $200.6 million to $189.1 million in Q1 2021, primarily due to an other comprehensive loss and share repurchases, partially offset by net income - Key drivers for the change in stockholders' equity in Q1 2021 were net income of **$4.77 million**, common stock repurchases of **$3.99 million (111,832 shares)**, and an other comprehensive loss of **$12.31 million**[19](index=19&type=chunk) [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) For Q1 2021, net cash provided by operating activities was $6.8 million, with investing activities using $64.7 million, largely funded by $57.5 million from financing activities Cash Flow Summary (in thousands) | Activity | Q1 2021 | Q1 2020 | | :--- | :--- | :--- | | Net cash provided by operating activities | $6,753 | $5,213 | | Net cash provided by (used in) investing activities | ($64,677) | $8,471 | | Net cash provided by (used in) financing activities | $57,454 | ($11,570) | | **Net change in cash and due from banks** | **($470)** | **$2,114** | [Notes to Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) This section provides detailed explanations of the company's accounting policies and financial statement components, including COVID-19 risks and CECL adoption - The company highlights the continued risks and uncertainties from the **COVID-19 pandemic**, which could adversely affect its business, financial condition, and results of operations, particularly in areas like interest income, lending, and credit quality[28](index=28&type=chunk)[29](index=29&type=chunk)[30](index=30&type=chunk) - The company is preparing for the adoption of the **Current Expected Credit Losses (CECL) methodology (ASU 2016-13)**, which will be effective for fiscal years beginning after **December 15, 2022**[42](index=42&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=41&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management analyzes the company's Q1 2021 financial condition and operations, covering profitability, asset quality, liquidity, and capital resources Key Performance Ratios (Annualized) | Ratio | Q1 2021 | Q1 2020 | | :--- | :--- | :--- | | Return on average assets | 1.19% | 1.16% | | Return on average equity | 9.30% | 8.03% | | Net interest margin | 2.89% | 3.20% | | Efficiency ratio | 53.87% | 55.67% | - The company participated in the SBA Paycheck Protection Program (**PPP**), holding **$43.6 million** in **PPP loans** as of March 31, 2021. These loans positively impacted net interest income[228](index=228&type=chunk)[291](index=291&type=chunk) - In response to the **COVID-19 pandemic**, the company provided modifications to **39 loans totaling $34.2 million** in Q1 2021. These were not designated as **Troubled Debt Restructurings (TDRs)** per regulatory guidance[276](index=276&type=chunk)[278](index=278&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=62&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company identifies interest rate risk as its most significant market risk, with no material changes since the 2020 Form 10-K disclosures - The company's primary market risk is **interest rate risk**, and there have been **no significant changes** to its exposure since the end of **2020**[329](index=329&type=chunk) [Controls and Procedures](index=62&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective, with no material changes to internal control over financial reporting during the quarter - Management concluded that the company's disclosure controls and procedures were **effective** as of the end of the reporting period[330](index=330&type=chunk) - **No material changes** were made to the company's internal control over financial reporting during the first quarter of 2021[332](index=332&type=chunk) Part II – Other Information [Legal Proceedings](index=64&type=section&id=Item%201.%20Legal%20Proceedings) The company reports no pending or threatened legal proceedings expected to materially impact its financial condition - There are **no material pending or threatened legal proceedings** against the company[335](index=335&type=chunk) [Risk Factors](index=64&type=section&id=Item%201A.%20Risk%20Factors) This section refers to the risk factors previously disclosed in the company's 2020 Annual Report on Form 10-K and forward-looking statements - For a discussion of risk factors, the report refers to the company's **2020 Form 10-K**[336](index=336&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=64&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) During Q1 2021, the company repurchased 111,832 shares of common stock at an average price of $35.69 per share under its authorized program Share Repurchase Activity (Q1 2021) | Period | Total Shares Purchased | Average Price Paid Per Share | | :--- | :--- | :--- | | Jan 2021 | 0 | --- | | Feb 2021 | 25,900 | $33.22 | | Mar 2021 | 85,932 | $36.43 | | **Total** | **111,832** | **$35.69** | [Defaults Upon Senior Securities](index=64&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) The company reported no defaults upon senior securities - **None**[338](index=338&type=chunk) [Mine Safety Disclosures](index=64&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This item is not applicable to the company - **Not applicable**[339](index=339&type=chunk) [Other Information](index=64&type=section&id=Item%205.%20Other%20Information) The company reported no other information for this item - **None**[340](index=340&type=chunk) [Exhibits](index=64&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including certifications by the CEO and CFO, and financial data formatted in iXBRL

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2020 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ________ to ________. Commission File Number: 0-15204 NATIONAL BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia (State or other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ NATIONAL BANKSHARES, INC. (Exact name of registrant as specified in its charter) Commission File Number 0-15204 Virginia 54-1375 ...

For the transition period from ________ to ________ NATIONAL BANKSHARES, INC. UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents (Exact name of registrant as specified in its charter) Commission File Number 0-15204 Virginia (State or ot ...