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Central Virginia Bankshares, Inc. serves as the holding company for Central Virginia Bank (the Bank). Central Virginia Bank engages in a general community and commercial banking business, targeting the banking needs of individuals and small- to medium-sized businesses in its primary service area. The Bank offers traditional loan and deposit banking services, as well as services, such as Internet banking, telephone banking, debit cards and other ancillary services, such as the sales of non-deposit investment products through a partnership with Community Bankers Securities, LLC. The Bank makes seasonal and term loans, both alone and in conjunction with other banks or governmental agencies. The Bank also offers other related services, such as automated teller machines, travelers' checks, safe deposit boxes, deposit transfer, notary public, escrow, drive-in facilities and other customary banking services.(Source: 10-K)