C&F Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	151.5	127.09	110.94	90.83	88.12
Interest Income on Investments	-	12.51	13.2	10.52	5.61
Total Interest Income	151.5	139.59	124.14	101.35	93.73
Interest Paid on Deposits	45.29	38.06	20.39	5.22	5.44
Interest Paid on Borrowings	-	4.76	6.04	2.67	2.92
Total Interest Expense	45.29	42.82	26.43	7.89	8.36
Net Interest Income	106.21	96.78	97.71	93.46	85.37
Net Interest Income Growth (YoY)	9.75%	-0.95%	4.54%	9.48%	2.20%
Trust Income	-	2.99	2.56	2.44	2.76
Mortgage Banking Activities	-	2.29	2.11	2.93	6.48
Gain (Loss) on Sale of Investments	-	-	-0.01	-	0.04
Other Non-Interest Income	26.65	14.83	14.84	12.26	14.66
Total Non-Interest Income	34.63	30.46	29.62	29.44	49.94
Non-Interest Income Growth (YoY)	13.68%	2.86%	0.59%	-41.05%	-9.05%
Revenues Before Loan Losses	140.84	127.24	127.32	122.9	135.31
Provision for Loan Losses	11.55	13.25	8.28	3.17	0.58
Revenue	129.29	113.99	119.05	119.73	134.73
Revenue Growth (YoY)	13.43%	-4.25%	-0.57%	-11.13%	5.79%
Salaries and Employee Benefits	56.78	51.66	52.88	45.89	56.88
Selling, General & Administrative	-	26.46	25.16	25.62	26.23
Other Non-Interest Expense	39.44	11.82	11.84	11.02	13.43
Total Non-Interest Expense	96.22	89.93	89.88	82.54	96.54
EBT Excluding Unusual Items	33.07	24.06	29.16	37.19	38.19
Pretax Income	33.07	24.13	29.16	36.96	38.08
Income Tax Expense	6.08	4.22	5.42	7.6	8.96
Earnings From Continuing Operations	26.99	19.92	23.75	29.37	29.12
Minority Interest in Earnings	-	-0.08	-0.14	-0.21	-0.46
Net Income	26.99	19.83	23.6	29.16	28.67
Net Income to Common	26.99	19.83	23.6	29.16	28.67
Net Income Growth	36.09%	-15.97%	-19.05%	1.72%	29.62%
Basic Shares Outstanding	3	3	3	4	4
Diluted Shares Outstanding	3	3	3	4	4
Shares Change (YoY)	-1.88%	-3.29%	-2.99%	-2.41%	-1.22%
EPS (Basic)	8.34	6.01	6.92	8.29	7.95
EPS (Diluted)	8.34	6.01	6.92	8.29	7.95
EPS Growth	38.69%	-13.11%	-16.56%	4.23%	31.22%
Dividend Per Share	1.840	1.760	1.760	1.640	1.580
Dividend Growth	4.54%	-	7.32%	3.80%	3.95%
Effective Tax Rate	18.39%	17.47%	18.58%	20.55%	23.53%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.