2004 Annual Report
Our Mission
It is the mission of the directors, officers, and staff to maximize the long-term wealth of the shareholders of C&F Financial Corporation through Citizens and Farmers Bank and its other subsidiaries.
We believe we provide a superior value when we balance long-term and short-term objectives to achieve both a competitive return on investment and a consistent increase in the market value of the Corporation’s stock.
This must be achieved while maintaining adequate liquidity and safety standards for the protection of all of the Corporation’s interested parties, especially its depositors and shareholders.
This mission will be accomplished by providing our customers with distinctive service and quality financial products which are responsive to their needs, fairly priced, and delivered promptly and efficiently with the highest degree of accuracy and professionalism.
Financial Highlights
C&F Financial Corporationis a one-bank holding company with administrative offices in West Point, Virginia. Its wholly-owned subsidiary, Citizens and Farmers Bank (referred to as “C&F Bank”), offers quality banking services to individuals, professionals and small businesses through fourteen retail bank branches located throughout the Newport News to Richmond corridor in Virginia. C&F Mortgage Corporation originates and sells residential mortgages. These mortgage services are provided through ten offices in Virginia, four offices in Maryland and one each in Delaware, North Carolina and New Jersey. Through its subsidiaries, C&F Mortgage provides ancillary mortgage loan production services for loan settlement, residential appraisals and private mortgage insurance. C&F Finance Company, formerly Moore Loans, Inc., specializes in new and used automobile lending in the Richmond, Hampton Roads and Northern Virginia markets, as well as portions of Tennessee and Maryland. Brokerage services are offered through C&F Investment Services, Inc. C&F Title Agency, Inc. offers title insurance services.
Focused on You
LETTERfrom the PRESIDENT
Dear Fellow Shareholders:
It is a pleasure to present C&F Financial Corporation’s results for 2004. Although we did not set a new earnings record as we have in each of the past three years, we are extremely satisfied with our achievements, especially compared with the results of our peer banks. In fact, given the changes in the economy and other challenges we faced, I believe that management at all three of our primary business units did a better job this year than in the record-setting years.
The year 2004 was a busy one for your company. We undertook many new initiatives – some to enhance future earnings, some to enhance future efficiencies and some to meet new government regulation.
Larry G. Dillon
Chairman, President and Chief Executive Officer
Net income for 2004 was $11.2 million compared with $12.9 million for 2003. As we had anticipated, higher interest rates resulted in a decline in mortgage loan production and hence our Mortgage Banking segment’s income. However, this decline was partially offset by increased income at both the Retail Banking and Consumer Finance segments. Our return on average assets was 1.91 percent in 2004 versus 2.35 percent in 2003, and our return on equity was 16.78 percent versus 21.32 percent. At September 30, 2004, the last period for which data is available, our peer banks averaged a return on average assets of 1.07 percent and a return on equity of 11.91 percent. For this same period, we ranked in the top 6 percent of our peers on a return on assets basis and the top 13 percent on a return on equity basis.
We continued our growth in assets, going from $574 million to $609 million, and in deposits, going from $428 million to $447 million. A $44 million increase in loans, from $350 million to $394 million, was a major contributor to the improved results at our Retail Banking and Consumer Finance segments. This growth resulted in a $2.2 million increase in interest income and an improvement in the interest margin from 6.14 percent to 6.41 percent.
We increased the quarterly dividends declared on our common stock by 20 percent, from 20 cents per share to 24 cents per share. Over the past two years, you have seen quarterly dividends increase 50 percent. We have been successful over the years and want our shareholders to share in that success other than through stock price increases.
The year 2004 was a busy one for your company. We undertook many new initiatives – some to enhance future earnings, some to enhance future efficiencies and some to meet new government regulation.
In 2002, Congress passed the Sarbanes-Oxley Act, legislation that was precipitated by the unethical and illegal actions of a few large companies, but
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which applies to all public companies, most of which are run effectively and with high ethical standards, such as ours is. It is a shame that Congress saw the need to try to legislate sound management practices in all companies when only a few were guilty of misdoings. Our compliance with this regulation cost the company at least $200,000 in direct expenses plus the countless man-hours that could have been more productively used in enhancing earnings and hence your investment. The compliance process, however, did reaffirm our confidence in our financial controls and the integrity of our employees.
The majority of our 2004 initiatives were focused on maintaining a firm foundation for future earnings. Early in the year, we commissioned a market study that revealed several important facts. First, the use of various names for our subsidiaries was confusing to existing and potential customers and likely resulted in our missing some business opportunities. Second, customers recognized “C&F” for it’s personalized service, integrity, stability and sense of community. Finally, the study indicated that the “C&F” brand is highly recognized and respected and we would benefit by associating that brand with all our businesses. As a result, we have begun to use “C&F” in all our subsidiary names. For example, we will now be C&F Bank in all our banking markets and the Consumer Finance segment will be known as C&F Finance Company. In addition, we have adopted the tagline “Focused on You” throughout the company to emphasize the personalized service that is well recognized by customers and employees alike.
We made a difficult decision this year when we chose to move some of our operations out of the Town of West Point. Unfortunately, we have outgrown our operations facilities in West Point and over the past few years have found it more difficult to attract the number of qualified individuals that we need from the small workforce available in the immediate area.
Our decision to purchase, at a reasonable price, a 60,000-square-foot-facility only 12 miles outside of West Point and renovate it to meet our needs came after much research and many hours of intense discussions and “soul searching” by both our management team and the Board of Directors. The facility’s close proximity to Interstate 64, and therefore easy access to commuters, has already proven beneficial to attracting experienced talent, and we anticipate that its close proximity to West Point will enable our staff living in town to remain there. Again, this was a difficult decision we wished we had not had to make, but one we believed to be in the best interest of the Company.
Focused on You
Personalized
Treating people as individuals, not a number, means listening to what the customer wants to accomplish and responding quickly with customized service.
Integrity
This honest and trustworthy company has an extensive track record for treating customers and employees in a fair open way.
Stability
At a time when new banks are being formed, or established ones being sold, we have a record of employee stability and officer continuity that includes only three presidents in over 75 years of service.
Hospitable
Wholesome and friendly people throughout make customers feel welcomed and comfortable – almost as if they were part of a family.
Community
By always being supportive, we thrive on becoming part of the communities where our customers live and work.
Teamwork
All areas work together to meet the financial services needs of customers.
What Customers Say
Personalized
To have my personal needs met is the reason I do business with C&F Mortgage Corporation.
– C&F Mortgage Corporation Customer
When so many companies lack personal service, it’s a pleasure to walk into my investment office and be treated like I’m an important customer.
– C&F Investment Services Customer
As a business client, it is very important for the company to know me and my business needs.
– C&F Finance Company Customer
Integrity
I want to be able to rely on my bank.
– C&F Bank Customer
I would not want to put my money with people that I could not trust.
– C&F Investment Services Customer
When I go to the bank I like to feel confident they are helping me.
– C&F Bank Customer
I like a bank where I can TRUST the employees and institution to be honest and fair.
– C&F Bank Customer
We also made good strides to improve the future earnings from each of our segments. At C&F Mortgage, we opened a Waldorf, Maryland, office that proved to be a productive and profitable addition. We also opened a settlement company in Charlottesville, Virginia that reached profitability in a much shorter timeframe than was anticipated.
At C&F Finance, we implemented a new loan origination system that greatly increased our speed and efficiency in approving and booking loans and expect this new system, in conjunction with new procedures, to assist us in improving our loan quality. Through the hiring of new lending personnel, we also entered the markets of Nashville, Tennessee, and the state of Maryland.
At C&F Bank, our entrance into the Peninsula market exceeded our expectations for both growth and profitability. We were fortunate to attract a group of lenders who have a combined total of more than 100 years’ experience, giving the Bank new talents and positively changing our portfolio, geographic and product mixes. Other changes helped us better cross-sell many new products between C&F Bank and C&F Mortgage. We are just beginning to take better advantage of the synergies between our various companies and create our own “niche” through the utilization and cross-selling of products from all of our companies.
As 2004 has been busy, 2005 will be as well. We will implement new technology throughout many areas of the company. Our new operations center will open this Spring with a new mainframe computer system that utilizes a major upgrade in our primary software system. At C&F Bank, we plan to upgrade all our bank branch technology and implement new loan automation software similar to that already in place at C&F Mortgage and C&F Finance. In addition, we plan to implement a major enhancement of our web site to support a more sophisticated cash management system for commercial deposit customers.
In the later part of this year, we will open two C&F Bank branches on the Peninsula, one in Hampton and one in lower Yorktown. Both will be full-service banking facilities, with the Hampton location also housing the local office of C&F Finance and the Yorktown location housing our Peninsula management and commercial lending officers.
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Our goal as a company is to be the financial institution of choice in the markets we serve, and we make every effort to obtain that goal. This expectation could never be achieved without an exceptional group of officers and staff, and we believe we have the best.
As we have in the past, we will continue to use a three-prong approach to managing our capital. We will continue to grow the company in a controlled manner; we will continue to increase our dividends to shareholders; and we will continue to repurchase our stock. We believe this plan will maintain C&F as a long-term company that gives its shareholders a good return on their investment.
In closing, I want to note the recent loss of P. Loy Harrell, who served as a director of the Bank for more than 35 years. Loy was a friend to all who knew him and was a close friend and confidant of mine for many years. I continued to seek his advice even after he stepped down from the Board in 2002. He had a great business mind, was a true gentleman and will be greatly missed.
Our goal as a company is to be the financial institution of choice in the markets we serve, and we make every effort to obtain that goal. This expectation could never be achieved without an exceptional group of officers and staff, and we believe we have the best. Our thanks go out to them for all of their dedicated service and to our Board for their continuing guidance and support. We also thank each of you for your continued confidence as shown by your patronage and hope that we make you so proud that you will always refer your friends and acquaintances to us as we strive to enhance your investment in our organization.
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Larry G. Dillon Chairman, President and Chief Executive Officer |
What Employees Say
Personalized
The personal service is the reason people bank here.
– C&F Bank/Head Teller/CSR
We are people who truly care about our clients’ financial needs.
– C&F Bank/Marketing Director
C&F provides customers an intimate and caring relationship across C&F Financial Corporation.
– C&F Investment Services/Manager
The best word to describe our organization is “personal.”
– C&F Finance Company, CEO
We do whatever we can to make certain that whoever we are on the phone with is most important at that time.
– C&F Title Agency/Manager
DIRECTORSand OFFICERS
C&F FINANCIAL CORPORATION/
C&F BANK
J. P. Causey Jr.*+
Executive Vice President,
Secretary & General Counsel
Chesapeake Corporation
Barry R. Chernack*+
Retired Partner
PricewaterhouseCoopers LLP
Larry G. Dillon *+
Chairman, President & CEO
C&F Financial Corporation
Citizens and Farmers Bank
Audrey D. Holmes+
Attorney-at-Law
Audrey D. Holmes, Attorney-at-Law
James H. Hudson III*+
Attorney-at-Law
Hudson & Bondurant, P.C.
Joshua H. Lawson*+
President
Thrift Insurance Corporation
Bryan E. McKernon+
President & CEO
C&F Mortgage Corporation
William E. O’Connell Jr.*+
Chessie Professor of Business, Emeritus
The College of William and Mary
C. Elis Olsson+
Director of Operations
Martinair, Inc.
Paul C. Robinson*+
Owner & President
Francisco, Robinson & Associates, Realtors
Thomas B. Whitmore Jr.+
Retired President
Whitmore Chevrolet, Oldsmobile, Pontiac Co., Inc.
| * | C&F Financial Corporation Board Member |
SANDSTON/VARINA ADVISORY BOARD
Robert A. Canfield
Attorney-at-Law
Canfield, Shapiro, Baer, Heller & Johnston
E. Ray Jernigan
Business Owner
Citizens Machine Shop
S. Floyd Mays
Insurance Agent/Owner
Floyd Mays Insurance
James M. Mehfoud
Pharmacist/Business Owner
Sandston Pharmacy
Robert F. Nelson Jr.
Professional Engineer
Engineering Design Associates
Reginald H. Nelson IV
Senior Partner
Colonial Acres Farm
John G. Ragsdale II
Business Owner
Sandston Cleaners
Philip T. Rutledge Jr.
Retired Deputy County Manager
County of Henrico
Sandra W. Seelmann
Real Estate Broker/Owner
Varina & Seelmann Realty
C&F BANK/RICHMOND
Jeffery W. Jones
Chairman & CEO
WFofR, Incorporated
S. Craig Lane
President
Lane & Hamner, P.C.
William E. O’Connell Jr.
Chairman of the Board
Chessie Professor of Business, Emeritus
The College of William and Mary
Meade A. Spotts
President
Spotts, Fain, P.C.
Scott E. Strickler
Treasurer
Robins Insurance Agency, Inc.
Katherine K. Wagner
Senior Vice President Commercial Lending
C&F Bank/Richmond
C&F MORTGAGE CORPORATION
J. P. Causey Jr.
Executive Vice President,
Secretary & General Counsel
Chesapeake Corporation
Larry G. Dillon
Chairman of the Board
James H. Hudson III
Attorney-at-Law
Hudson & Bondurant, P.C.
Bryan E. McKernon
President & CEO
C&F Mortgage Corporation
William E. O’Connell Jr.
Chessie Professor of Business, Emeritus
The College of William and Mary
Paul C. Robinson
Owner & President
Francisco, Robinson & Associates, Realtors
INDEPENDENT PUBLIC
ACCOUNTANTS
Yount, Hyde & Barbour, P.C.
Winchester, Virginia
CORPORATE COUNSEL
Hudson & Bondurant, P.C.
West Point, Virginia
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OFFICERSand LOCATIONS
C&F BANK
ADMINISTRATIVE OFFICE
802 Main Street
West Point, Virginia 23181
(804) 843-2360
Larry G. Dillon *
Chairman, President & CEO
Robert L. Bryant *
Executive Vice President & COO
Thomas F. Cherry *
Executive Vice President, CFO & Secretary
Ronald P. Espy
Senior Vice President & Senior Lending Officer
Martin E. Schrodt
Senior Vice President, Retail Operations
Laura H. Shreaves
Senior Vice President & Director of Human Resources
William J. Callaghan
Vice President, Information Technology
E. Turner Coggin
Vice President, Senior Loan Underwriter
Sandra S. Fryer
Vice President, Special Projects Leader
Deborah H. Hall
Vice President, Credit Administration
Ellen M. Howard
Vice President & Loan Operations Manager
Deborah R. Nichols
Vice President, Quality Control
Mary-Jo Rawson
Vice President & Controller
Evelyn Townsend
Vice President, Operations
| * | Officers of C&F Financial Corporation |
WEST POINT – MAIN OFFICE
802 Main Street
West Point, Virginia 23181
(804) 843-2360
Margaret C. Cooper
Assistant Vice President & Branch Manager
JAMESTOWN ROAD
1167 Jamestown Road
Williamsburg, Virginia 23185
(757) 220-3293
Alec J. Nuttall
Assistant Vice President & Branch Manager
LONGHILL ROAD
4780 Longhill Road
Williamsburg, Virginia 23188
(757) 565-0593
Sandra C. St. Clair
Assistant Vice President & Branch Manager
MECHANICSVILLE
7021 Mechanicsville Turnpike
Mechanicsville, Virginia 23111
(804) 569-9776
Ranee Blanton-Clifford
Assistant Vice President & Branch Manager
MIDDLESEX
Route 33 at Route 641
Saluda, Virginia 23149
(804) 758-3641
Elizabeth B. Faudree
Assistant Vice President & Branch Manager
NORGE
7534 Richmond Road
Norge, Virginia 23127
(757) 564-8114
Robert J. Unangst
Assistant Vice President & Branch Manager
PROVIDENCE FORGE
3501 N. Courthouse Road
Providence Forge, Virginia 23140
(804) 966-2264
James D. W. King
Vice President & Branch Manager
QUINTON
2580 New Kent Highway
Quinton, Virginia 23141
(804) 932-4383
Mary T. ‘‘Joy’’ Whitley
Assistant Vice President & Branch Manager
SANDSTON
100 East Williamsburg Road
Sandston, Virginia 23150
(804) 737-7005
Katherine P. Buckner
Assistant Vice President & Branch Manager
VARINA
Route 5 at Strath Road
Richmond, Virginia 23231
(804) 795-7000
Tracy E. Pendleton
Vice President & Branch Manager
WEST POINT – 14TH STREET
415 Fourteenth Street
West Point, Virginia 23181
(804) 843-2708
Karen T. Richardson
Assistant Vice President & Branch Manager
CONSTRUCTION LENDING OFFICE
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 858-8351
Terrence C. Gates
Vice President, Real Estate Construction
C&F BANK / RICHMOND
ADMINISTRATIVE OFFICE
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 378-0332
Katherine K. Wagner
Senior Vice President, Commercial Lending
Charles T. Nuttle
Vice President, Commercial Lending
MIDLOTHIAN
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 378-0332
Jesse E. Bullard
Vice President & Branch Manager
RICHMOND
8001 West Broad Street
Richmond, Virginia 23294
(804) 290-0402
Kevin L. Ford
Assistant Vice President & Branch Manager
C&F BANK / PENINSULA
ADMINISTRATIVE OFFICE
City Center
698 Town Center Drive
Newport News, Virginia 23606
(757) 596-4775
Vern E. Lockwood II
President
Lori D. Sarrett – Newport News
Vice President, Commercial Lending
Bonnie S. Smith – Newport News
Vice President, Real Estate Lending
Deborah H. Linkenauger – Williamsburg
Vice President, Commercial Lending
(757) 220-6623
NEWPORT NEWS – CITY CENTER
698 Town Center Drive
Newport News, Virginia 23606
(757) 596-4775
Joycelyn Y. Spight
Assistant Vice President & Branch Manager
C&F INVESTMENT SERVICES, INC.
417 Fourteenth Street
West Point, Virginia 23181
(804) 843-4584 (800) 583-3863
Eric F. Nost
President
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 378-7296 (888) 435-2033
Douglas L. Hartz
Vice President
1167 Jamestown Road
Williamsburg, Virginia 23185
(757) 229-5629
Douglas L. Cash Jr.
Vice President
OFFICERSand LOCATIONS
C&F MORTGAGE CORPORATION
ADMINISTRATIVE OFFICE
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 858-8300
Bryan E. McKernon
President & CEO
Mark A. Fox
Executive Vice President & CFO
Donna G. Jarratt
Senior Vice President & Chief of Branch Administration
Kevin A. McCann
Senior Vice President & Controller
Tracy L. Bishop
Vice President & Human Resources Manager
M. Kathy Burley
Vice President & Closing Manager
Susan L. Driver
Vice President & Underwriting Manager
Ronald M. Waddell
Vice President & Marketing Manager
Christopher S. Vick
Vice President & Construction Manager
RICHMOND, VIRGINIA
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 858-8300
Donald R. Jordan
Vice President & Branch Manager
Daniel J. Murphy
Vice President & Production Manager
Susan P. Moore
Vice President & Operations Manager
RICHMOND, VIRGINIA
7231 Forest Avenue, Suite 202
Richmond, Virginia 23226
(804) 673-2150
Page C. Yonce
Vice President & Branch Manager
RICHMOND, VIRGINIA
6200 B Lakeside Avenue
Richmond, Virginia 23228
(804) 673-3453
Constance Bachman-Hamilton
Vice President & Branch Manager
CHESTER, VIRGINIA
4517 West Hundred Road
Chester, Virginia 23831
(804) 748-2900
Stephen L. Fuller
Vice President & Branch Manager
CHARLOTTESVILLE, VIRGINIA
1420 Greenbrier Place
Charlottesville, Virginia 22901
(434) 974-1450
RUCKERSVILLE, VIRGINIA
8458 Seminole Trail, Unit 3
Ruckersville, Virginia 22968
(434) 990-2022
WAYNESBORO, VIRGINIA
40 Stoneridge Drive, Suite 101
Waynesboro, Virginia 22980
(540) 949-0260
William E. Hamrick
Vice President & Branch Manager
Philip N. Mahone
Vice President & Branch Manager
FREDERICKSBURG, VIRGINIA
1340 Central Park Boulevard, Suite 206
Fredericksburg, Virginia 22401
(540) 548-8855
CHARLOTTE, NORTH CAROLINA
Ballantyne One
15720 John Jay Delaney Drive, Suite 300
Charlotte, North Carolina 28277
(704) 944-3217
Brian F. Whetzel
Branch Manager
R. W. Edmondson III
Branch Manager
NEWPORT NEWS, VIRGINIA
703 Thimble Shoals Boulevard, Suite C4
Newport News, Virginia 23606
(757) 873-8200
Linda H. Gaskins
Vice President & Branch Manager
Mary Rebholz
Production Manager
WILLIAMSBURG, VIRGINIA
1167-A Jamestown Road
Williamsburg, Virginia 23185
(757) 259-1200
Lorrie A. Cook
Branch Manager
CROFTON, MARYLAND
2191 Defense Highway, Suite 200
Crofton, Maryland 21114
(410) 721-6770
Michael J. Mazzola
Senior Vice President & Maryland Area Manager
ANNAPOLIS, MARYLAND
705 Melvin Avenue, Suite 104
Annapolis, Maryland 21401
(410) 263-9229
William J. Regan
Vice President & Branch Manager
Jeffery R. Schroll
Vice President & Production Manager
SOUTHERN MARYLAND
12070 Old Line Centre, Suite 308
Waldorf, Maryland 20602
(301) 885-2830
Timothy J. Murphy
Branch Manager
ELLICOTT CITY, MARYLAND
6339 Ten Oaks Road, Suite 200
Clarksville, Maryland 21029
(410) 531-0910
NEWPORT, DELAWARE
240 North James Street, Suite 206
Newport, Delaware 19804
(302) 999-0130
CHERRY HILL, NEW JERSEY
1939 Olney Avenue, Suite 300
Cherry Hill, New Jersey 08003
(856) 751-8927
Scott B. Segrist
Branch Manager
Robert G. Menton
Branch Manager
C&F TITLE AGENCY, INC.
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
(804) 858-8399
Eileen A. Cherry
Vice President & Title Insurance Underwriter
HOMETOWN SETTLEMENT SERVICES LLC
1463 Greenbrier Place
Charlottesville, Virginia 22901
(434) 220-1046
Donna L. West
Settlement Manager
CERTIFIED APPRAISALS LLC
C&F Center
1400 Alverser Drive
Midlothian, Virginia 23113
H. Daniel Salomonsky
Vice President & Appraisal Manager
C&F FINANCE COMPANY
ADMINISTRATIVE OFFICE
316 E. Grace Street
Richmond, Virginia 23219
(804) 643-8479
Matthew G. Majikes
President & CEO
Abby W. Moore
President Emeritus
C. Norwood Ashworth
Senior Vice President
Thomas W. Fee
Senior Vice President & Risk Management Officer
C. Shawn Moore
Senior Vice President & Sales Management Officer
Michael K. Wilson
Senior Vice President & COO
COLLECTION CENTER
403 E. Grace Street
Richmond, Virginia 23219
(804) 644-0363
H. Lee Shifflett
Manager
NORTHERN VIRGINIA REGION
Paul M. Martin
Area Sales Manager
(804) 643-8479
HAMPTON, VIRGINIA
2017 Cunningham Drive, Suite 208
Hampton, Virginia 23666
(757) 826-5660
RICHMOND, VIRGINIA
316 E. Grace Street
Richmond, Virginia 23219
(804) 643-8479
ROANOKE, VIRGINIA
5115 Bernard Drive, Suite 111
Roanoke, Virginia 24018
(540) 776-0938
Livia P. Woodford
Area Sales Manager
TENNESSEE
Alan Paul Esstman
Area Sales Manager
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Our Values
We believe that excellence is the standard for all we do, achieved by encouraging and nourishing: respect for others; honest, open communication; individual development and satisfaction; a sense of ownership and responsibility for the Corporation’s success; participation, cooperation, and teamwork; creativity, innovation, and initiative; prudent risk-taking; and recognition and rewards for achievement.
We believe that we must conduct ourselves morally and ethically at all times and in all relationships.
We believe that we have an obligation to the well-being of all the communities we serve.
We believe that our officers and staff are our most important assets, making the critical difference in how the Corporation performs and, through their work and effort, separate us from all competitors.
Stock Listing
Current market quotations for the common stock of C&F Financial Corporation are available under the symbolCFFI.
Stock Transfer Agent
American Stock Transfer & Trust Company serves as transfer agent for the Corporation. You may write them at 59 Maiden Lane, New York, NY 10038, telephone them toll-free at 1-800-937-5449 or visit their website at http://www.amstock.com.
Investor Relations & Financial Statements
C&F Financial Corporation’s Annual Report on Form 10-K and quarterly reports on Form 10-Q, as filed with the Securities and Exchange Commission, may be obtained without charge by visiting the Corporation’s website at http://www.cffc.com. Copies of these documents can also be obtained without charge upon written request. Requests for this or other financial information about C&F Financial Corporation should be directed to:
Thomas Cherry
Executive Vice President, CFO & Secretary
C&F Financial Corporation
P.O. Box 391
West Point, VA 23181
C&F Financial Corporation
802 Main Street • PO Box 391
West Point, Virginia 23181
(804) 843-2360
www.cffc.com
