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Income Statement
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Balance Sheet
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Income Overview
Net Income
$8,563K
EPS
$2.63
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
35,690
34,715
33,025*
34,683
Interest on interest-bearing deposits in other banks
471
651
800*
719
U.s. treasury, government agencies and corporations
181
259
284*
273
Mortgage-backed securities
2,102
1,660
1,425*
1,610
Tax-exempt obligations of states and political subdivisions
1,128
1,094
989*
990
Taxable obligations of states and political subdivisions
213
194
196*
186
Corporate and other
566
573
498*
322
Total interest income
40,351
39,146
37,214*
38,783
Savings and interest-bearing deposits
2,240
2,263
2,017*
2,226
Time deposits
7,526
7,586
8,185*
7,725
Fhlb advances
328
-
-
-
Borrowings
-
1,236
976*
1,296
Subordinated notes
1,110
-
-
-
Trust preferred capital notes
-
352
349*
362
Other borrowings
57
-
-
-
Total interest expense
11,261
11,437
11,527*
11,609
Net interest income
29,090
27,709
25,687
27,174
Provision for credit losses
2,650
3,600
4,050
2,900
Net interest income after provision for credit losses
26,440
24,109
21,637*
24,274
Gains on sales of loans
2,436
2,545
1,448*
1,896
Interchange income
1,673
1,577
1,440*
1,610
Service charges on deposit accounts
1,061
1,020
1,007*
1,049
Investment income from other equity interests
8,332
372
255*
197
Mortgage banking fee income
985
850
491*
735
Wealth management services income, net
847
808
777*
795
Mortgage lender services income
969
820
555*
768
Other service charges and fees
517
504
467*
520
Net losses on sales, maturities and calls of available for sale securities
-7,129
-
-
-
Other income, net
2,085
54
156*
1,274
Total noninterest income
11,776
8,550
6,593*
8,844
Salaries and employee benefits
16,501
14,357
12,877*
14,420
Occupancy
2,402
2,215
2,286*
2,245
Data processing
3,403
3,175
2,940*
3,026
Professional fees
943
917
846*
901
Insurance expense
440
430
499*
399
Marketing and advertising expenses
639
547
550*
660
Loan processing and collection expenses
918
873
773*
831
Other
2,101
1,801
2,071*
1,808
Total noninterest expenses
27,347
24,315
22,840*
24,290
Income before income taxes
10,869
8,344
5,390*
8,828
Income tax expense
2,243
1,550
719*
1,715
Net income
8,626
6,794
4,671*
7,113
Less net income attributable to noncontrolling interest
63
47
-15*
38
Net income attributable to c&f financial corporation
8,563
6,747
4,686
7,075
Basic EPS
2.63
2.08
1.448
2.18
Diluted EPS
2.63
2.08
1.448
2.18
Basic Average Shares
3,252,163
3,248,485
3,235,801
3,238,057
Diluted Average Shares
3,252,163
3,248,485
3,235,801
3,238,057
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$35,690K
(5.85%↑ Y/Y)
Mortgage-backed securities
$2,102K
(37.12%↑ Y/Y)
Tax-exempt obligations of
states and political...
$1,128K
(18.36%↑ Y/Y)
Corporate and other
$566K
(78.55%↑ Y/Y)
Interest on
interest-bearing deposits in...
$471K
(14.04%↑ Y/Y)
Taxable obligations of
states and political...
$213K
(8.12%↑ Y/Y)
U.s. treasury,
government agencies and...
$181K
(-34.89%↓ Y/Y)
Total interest income
$40,351K
(7.87%↑ Y/Y)
Net interest income
$29,090K
(9.74%↑ Y/Y)
Investment income from
other equity...
$8,332K
(6460.63%↑ Y/Y)
Gains on sales of loans
$2,436K
(-0.90%↓ Y/Y)
Other income, net
$2,085K
(25.38%↑ Y/Y)
Total interest
expense
$11,261K
(3.32%↑ Y/Y)
Interchange income
$1,673K
(3.21%↑ Y/Y)
Service charges on
deposit accounts
$1,061K
(3.82%↑ Y/Y)
Mortgage banking fee
income
$985K
(10.92%↑ Y/Y)
Mortgage lender services
income
$969K
(27.17%↑ Y/Y)
Wealth management
services income, net
$847K
(12.04%↑ Y/Y)
Other service charges
and fees
$517K
(-6.17%↓ Y/Y)
Net interest income
after provision for...
$26,440K
(8.33%↑ Y/Y)
Total noninterest
income
$11,776K
(19.58%↑ Y/Y)
Provision for credit
losses
$2,650K
(26.19%↑ Y/Y)
Net losses on sales,
maturities and calls of...
-$7,129K
Time deposits
$7,526K
(-0.28%↓ Y/Y)
Savings and
interest-bearing deposits
$2,240K
(11.67%↑ Y/Y)
Subordinated notes
$1,110K
Fhlb advances
$328K
Other borrowings
$57K
Income before income
taxes
$10,869K
(12.91%↑ Y/Y)
Total noninterest
expenses
$27,347K
(11.03%↑ Y/Y)
Net income
$8,626K
(11.06%↑ Y/Y)
Income tax expense
$2,243K
(20.66%↑ Y/Y)
Salaries and employee
benefits
$16,501K
(11.15%↑ Y/Y)
Data processing
$3,403K
(13.85%↑ Y/Y)
Occupancy
$2,402K
(14.44%↑ Y/Y)
Other
$2,101K
(5.84%↑ Y/Y)
Professional fees
$943K
(-5.79%↓ Y/Y)
Loan processing and
collection expenses
$918K
(23.22%↑ Y/Y)
Marketing and advertising
expenses
$639K
(16.39%↑ Y/Y)
Insurance expense
$440K
(5.77%↑ Y/Y)
Net income
attributable to c&f financial...
$8,563K
(11.34%↑ Y/Y)
Less net income
attributable to...
$63K
(-17.11%↓ Y/Y)
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C & F FINANCIAL CORP (CFFI)
C & F FINANCIAL CORP (CFFI)