C&F Financial Balance Sheet

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
Cash & Equivalents	-	65.59	75.16	26.66	267.75
Investment Securities	523.62	242.02	306.43	338.48	184.19
Trading Asset Securities	-	6.39	7.86	8.66	4.99
Mortgage-Backed Securities	-	182.44	161.7	179.92	190.35
Total Investments	523.62	430.85	475.98	527.06	379.53
Gross Loans	2,055	1,920	1,742	1,636	1,411
Allowance for Loan Losses	-39.68	-40.09	-39.65	-40.52	-40.16
Other Adjustments to Gross Loans	-	-	-	-	-0.68
Net Loans	2,015	1,880	1,702	1,595	1,370
Property, Plant & Equipment	-	49.67	50	52.3	53.9
Goodwill	-	25.19	25.19	25.19	25.19
Other Intangible Assets	-	1.15	1.41	1.68	1.98
Loans Held for Sale	40.91	20.11	14.18	14.26	82.3
Accrued Interest Receivable	-	10.59	10.4	8.98	6.81
Restricted Cash	-	-	-	-	3.88
Long-Term Deferred Tax Assets	-	17.72	18.73	22.01	13.61
Other Real Estate Owned & Foreclosed	-	2.1	0.65	0.35	1.03
Other Long-Term Assets	189.06	56.51	61.39	57.5	57.63
Total Assets	2,768	2,563	2,438	2,332	2,265
Interest Bearing Deposits	2,346	1,380	1,290	1,293	1,218
Institutional Deposits	-	264.41	226.42	105.68	114.53
Non-Interest Bearing Deposits	-	526.07	549.37	605.21	581.69
Total Deposits	2,346	2,171	2,066	2,004	1,915
Short-Term Borrowings	-	33.63	64.33	42.92	38.87
Current Portion of Leases	-	1.05	-	-	-
Accrued Interest Payable	-	4.4	3.49	0.95	0.72
Long-Term Debt	73.34	59.99	19.97	23.97	24.03
Federal Home Loan Bank Debt, Long-Term	40	-	-	-	-
Long-Term Leases	-	9.38	8.8	9.11	9.67
Trust Preferred Securities	-	25.46	25.42	25.39	25.35
Other Long-Term Liabilities	47.09	31.64	32.83	29.9	40.25
Total Liabilities	2,506	2,336	2,221	2,136	2,053
Common Stock	261.75	3.11	3.24	3.33	3.41
Additional Paid-In Capital	-	0.04	6.57	12.05	15.19
Retained Earnings	-	247.81	233.76	217.21	193.81
Comprehensive Income & Other	-	-24.6	-26.69	-36.96	-2.09
Total Common Equity	261.75	226.36	216.88	195.63	210.32
Minority Interest	0.6	0.61	0.64	0.6	0.71
Shareholders' Equity	262.35	226.97	217.52	196.23	211.02
Total Liabilities & Equity	2,768	2,563	2,438	2,332	2,265
Total Debt	113.34	129.51	118.53	101.38	97.92
Net Cash (Debt)	-47.83	-57.53	-35.51	-66.06	174.82
Net Cash Growth	-	-	-	-	1539.15%
Net Cash Per Share	-14.77	-17.44	-10.41	-18.78	48.50
Filing Date Shares Outstanding	3.25	3.24	3.37	3.47	3.55
Total Common Shares Outstanding	3.25	3.23	3.37	3.48	3.55
Book Value Per Share	80.64	70.00	64.28	56.27	59.32
Tangible Book Value	261.75	200.02	190.28	168.76	183.15
Tangible Book Value Per Share	80.64	61.86	56.39	48.54	51.66

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