Citizens and Farmers Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (22%), consumer loans (18%), securities (16%), home mtgs (16%), cash (4%), home eq lns (3%), comm loans (2%), other (19%)
States with Branches:
VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
C&F Financial Corporation
Investment Rating
Address
415-14th Street
West Point, VA 23181
West Point, VA 23181
Phone Number
(804) 843-2708
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.