For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | |||
|---|---|---|---|---|
| Interest and fees on loans | 135,623 | |||
| Interest on interest-bearing deposits in other banks | 2,498 | |||
| U.s. treasury, government agencies and corporations | 1,110 | |||
| Mortgage-backed securities | 6,139 | |||
| Tax-exempt obligations of states and political subdivisions | 3,903 | |||
| Taxable obligations of states and political subdivisions | 770 | |||
| Corporate and other | 1,456 | |||
| Total interest income | 151,499 | |||
| Savings and interest-bearing deposits | 8,365 | |||
| Time deposits | 31,093 | |||
| Borrowings | 4,402 | |||
| Trust preferred capital notes | 1,429 | |||
| Total interest expense | 45,289 | |||
| Net interest income | 106,210 | |||
| Provision for loans | 11,750 | |||
| Provision for unfunded commitments | -200 | |||
| Provision for credit losses | 11,550 | |||
| Net interest income after provision for credit losses | 94,660 | |||
| Gains on sales of loans | 7,979 | |||
| Interchange income | 6,286 | |||
| Service charges on deposit accounts | 4,113 | |||
| Investment income from other equity interests | 741 | |||
| Mortgage banking fee income | 2,925 | |||
| Wealth management services income, net | 3,103 | |||
| Mortgage lender services income | 2,850 | |||
| Other service charges and fees | 2,073 | |||
| Other income, net | 4,561 | |||
| Total noninterest income | 34,631 | |||
| Salaries and employee benefits | 56,776 | |||
| Occupancy | 8,802 | |||
| Data processing | 11,962 | |||
| Professional fees | 3,699 | |||
| Insurance expense | 1,721 | |||
| Marketing and advertising expenses | 2,363 | |||
| Loan processing and collection expenses | 3,137 | |||
| Other | 7,760 | |||
| Total noninterest expenses | 96,220 | |||
| Income before income taxes | 33,071 | |||
| Income tax expense | 6,080 | |||
| Net income | 26,991 | |||
| Less net income attributable to noncontrolling interest | 156 | |||
| Net income attributable to c&f financial corporation | 26,835 | |||
| Basic EPS | 8.29 | |||
| Diluted EPS | 8.29 | |||
| Basic Average Shares | 3,237,541 | |||
| Diluted Average Shares | 3,237,541 | |||
C & F FINANCIAL CORP (CFFI)
C & F FINANCIAL CORP (CFFI)