Vitals
  • Total Assets
    1.4B 3.1 %
  • Total Deposits
    1.1B 4.3 %
  • Total Net Loans
    1.0B 10.9 %
  • Net Income
    14.6M 5.4 %
  • Book Value
    161.1M 5.5 %
  • Book Value x2
    322.2M 5.5 %
  • Book Value x3
    483.3M 5.5 %
ROAA

1.037

ROAE

9.225

Efficiency Ratio

63.266

Net Interest Margin

6.359

Balance Sheet Highlights
Financial Highlights Citizens And Farmers Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 1,444,712 858,303
Total Net Loans 1,008,635 607,607
Total Deposits 1,120,360 699,932
Total Equity 161,114 97,657
Profitability
Net Income 14,569 7,896
Return on Average Assets 1.037 .794
Return on Average Equity 9.225 6.983
Net Interest Margin 6.359 3.805
Efficiency Ratio 63.266 71.157
Noninterest Income/Revenue 21.96 16.327
Balance Sheet Ratios
Loan-to-Deposit 90.028 84.705
Securities/Assets .145 .136
Total Equity/Total Assets .112 .114
Tangible Equity/Tangible Assets .1 .103
Capital Adequacy
Tier 1 Common Capital 146,307 87,521
Tier 1 Capital 146,307 87,589
Tier 2 Capital 14,664 6,159
Total Capital 160,971 93,977
Total Risk Weighted Assets 1,147,156 657,024
Leverage Ratio 10.36 10.765
Common Equity Tier 1 Capital Ratio 12.75 14.768
Tier 1 Capital Ratio 12.75 14.769
Total Capital Ratio 14.03 15.893

Timeline for Citizens And Farmers Bank

Central Virginia Bank

Acquisition: Citizens And Farmers Bank acquired a new subsidiary, Central Virginia Bank, 10 years

View Profile Mar 22 2014

Cvb Title Services, Inc

Cvb Title Services, Inc became a new subsidiary organization for Citizens And Farmers Bank.

View Profile Mar 22 2014

C & F Finance Company

C & F Finance Company became a new subsidiary organization for Citizens And Farmers Bank.

View Profile Sep 01 2002

C&F Insurance Services, Inc.

C&F Insurance Services, Inc. became a new subsidiary organization for Citizens And Farmers Bank.

View Profile Mar 26 2001

C&F Mortgage Corporation

C&F Mortgage Corporation became a new subsidiary organization for Citizens And Farmers Bank.

View Profile Sep 12 1995

Want to see more?

Complete timeline for Citizens And Farmers Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Central Virginia Bank Seller 346,679 Pooling of Interests Discontinued 3/22/2014
The Colonial Bank Seller 8,047 Discontinued 9/21/1979
Relationships Role Relationship Start Relationship End
C&F Financial Corporation Parent 3/7/1994
C&F Wealth Management Corporation Subsidary 6/30/2007
C&F Mortgage Corporation Subsidary 6/30/2007
Cvb Title Services, Inc Subsidary 3/22/2014
C&F Insurance Services, Inc. Subsidary 6/30/2007
C & F Finance Company Subsidary 6/30/2007
C & F Title Agency, Inc. Subsidary 4/30/1997 6/22/2015
C&F Wealth Management Corporation Subsidary 5/1/1995 6/29/2007
C&F Mortgage Corporation Subsidary 9/12/1995 6/29/2007
C&F Insurance Services, Inc. Subsidary 3/26/2001 6/29/2007
C & F Finance Company Subsidary 9/1/2002 6/29/2007
C & F Title Agency, Inc. Subsidary 3/7/1994 4/29/1997
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