Citizens and Farmers Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Citizens and Farmers Bank have served Virginians for over 85 years, providing a wide range of financial services. Through the years, C&F Bank has proven that dedicated employees, a commitment to outstanding service and a diverse offering of quality financial products are the keys to success and growth.

C&F Financial Corporation, the one-bank holding company for Citizens and Farmers Bank (or C&F Bank), announced that it has completed its acquisition of Central Virginia Bankshares, Inc. (“CVB”), the one-bank holding company for Central Virginia Bank, effective October 1, 2013.

Main Office
802 Main Street
P.O. Box 391
West Point, VA 23181
PH: 804-843-7001
Fax: 804-843-3017

Fourteenth Street
415 Fourteenth Street
P.O. Box 391
West Point, VA 23181
PH: 804-843-2708
Fax: 804-843-4776
ATM Available