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C & F Financial Corporation (C & F Financial) is a bank holding company that owns all of the stock of its sole operating subsidiary, C&F Bank (Citizens and Farmers Bank or the Bank), an independent commercial bank that originally opened for business under the name Farmers and Mechanics Bank. The Company operates in three principal business activities: retail banking through C&F Bank; mortgage banking through C&F Mortgage Corporation (C&F Mortgage), and consumer finance through C&F Finance Company (C&F Finance). In addition, the Company conducts brokerage activities through C&F Investment Services, Inc., insurance activities through C&F Insurance Services, Inc. and title insurance services through C&F Title Agency, Inc. The Corporation also owns two non-operating subsidiaries, C&F Financial Statutory Trust and &F Financial Statutory Trust II.(Source: 10-K)