Financial Highlights

C&F FINANCIAL CORPORATION (NASDAQ - CFFI)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	675,116	660,826	2.16	676,190	(0.64)
Loans Held for Sale, before Reserves	45,432	63,756	(28.74)	72,727	(150.12)
Loan Loss Reserve	33,921	34,757	(2.41)	35,907	(22.12)
Net Loans Receivable	686,627	689,825	(0.46)	713,010	(14.80)
Intangible Assets	10,724	10,724	0.00	10,724	0.00
Total Assets	993,377	945,471	5.07	977,018	6.70
Deposits	696,464	660,554	5.44	686,184	5.99
Debt, Senior and Subordinated	167,219	158,405	5.56	162,746	10.99
Common Equity	104,914	89,839	16.78	102,197	10.63
Total Shareholders' Equity	104,914	99,469	5.47	102,197	10.63
Shares Outstanding (actual)	3,268,169	3,199,314	2.15	3,259,823	1.02

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	16,975	15,917	6.65	17,340	(8.42)
Provision for Loan Losses	3,180	2,725	16.70	3,855	(70.04)
Noninterest Income	8,185	7,396	10.67	8,835	(29.43)
Noninterest Expense	16,118	15,070	6.95	16,666	(13.15)
Net Income Before Taxes	5,864	5,518	6.27	5,654	14.86
Provision for Taxes	1,858	1,738	6.90	1,766	20.84
Net Income	4,006	3,780	5.98	3,888	12.14

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	32.10	28.08	14.32	31.35	9.59
Tangible Book Value	28.82	24.73	16.55	28.06	10.83
Diluted EPS Before Extra	1.19	1.11	7.21	1.17	6.84
Diluted EPS After Extra	1.19	1.11	7.21	1.17	6.84
Dividends Declared	0.2900	0.2600	11.54	0.2900	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	1.64	1.60	4	1.61	3
ROAE	15.46	15.35	11	15.45	1
Net Interest Margin	7.75	7.63	12	7.88	(13)
Loans / Deposits	96.93	100.04	(311)	98.54	(161)
Efficiency Ratio	61.82	61.89	(7)	59.55	227

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	9.59	9.49	9	9.47	12
Equity/ Assets	10.56	10.52	4	10.46	10
Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.47	2.94	(147)	2.56	(109)
Loan Loss Reserves/ Gross Loans	4.71	4.80	(9)	4.79	(9)
Loan Loss Reserves/ NPAs	232.26	125.16	10,710	143.38	8,888
Net Charge-offs/ Avg Loans	2.83	0.92	191	1.56	127

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	16.10	15.49	61	15.32	78

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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