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Regulatory Requirements and Restrictions (Tables)

12 Months Ended

Dec. 31, 2020

Regulatory Requirements and Restrictions

Schedule of actual capital amounts and ratios

Minimum To Be

Well Capitalized

Under Prompt

Minimum Capital

Corrective Action

Actual

Requirements

Provisions

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of December 31, 2020:

Total Capital (to Risk-Weighted Assets)

Corporation

$

240,060

15.2

%

$

125,947

8.0

%

N/A

N/A

C&F Bank

214,151

13.8

124,291

8.0

$

155,364

10.0

%

Tier 1 Capital (to Risk-Weighted Assets)

Corporation

196,140

12.5

94,460

6.0

N/A

N/A

C&F Bank

194,487

12.5

93,219

6.0

124,291

8.0

Common Equity Tier 1 Capital (to Risk-Weighted Assets)

Corporation

171,140

10.9

70,845

4.5

N/A

N/A

C&F Bank

194,487

12.5

69,914

4.5

100,987

6.5

Tier 1 Capital (to Average Tangible Assets)

Corporation

196,140

9.6

81,414

4.0

N/A

N/A

C&F Bank

194,487

9.6

80,640

4.0

100,800

5.0

As of December 31, 2019:

Total Capital (to Risk-Weighted Assets)

Corporation

$

195,927

14.9

%

$

105,544

8.0

%

N/A

N/A

C&F Bank

181,369

14.0

103,307

8.0

$

129,134

10.0

%

Tier 1 Capital (to Risk-Weighted Assets)

Corporation

179,233

13.6

79,158

6.0

N/A

N/A

C&F Bank

165,021

12.8

77,480

6.0

103,307

8.0

Common Equity Tier 1 Capital (to Risk-Weighted Assets)

Corporation

154,233

11.7

59,369

4.5

N/A

N/A

C&F Bank

165,021

12.8

58,110

4.5

83,937

6.5

Tier 1 Capital (to Average Tangible Assets)

Corporation

179,233

11.1

64,863

4.0

N/A

N/A

C&F Bank

165,021

10.3

64,201

4.0

80,251

5.0