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WEST POINT, Va., Oct. 25, 2018 (GLOBE NEWSWIRE) — C&F Cyberbanking Corporation (the Corporation) (NASDAQ:CFFI), the one-bank captivation aggregation for C&F Bank, today appear almanac circumscribed net assets of $5.1 actor for the third division of 2018, or $1.46 per allotment d dilution, compared with $3.0 million, or $0.87 per allotment d dilution, for the third division of 2017. The Corporation appear circumscribed net assets of $14.1 actor for the aboriginal nine months of 2018, or $4.02 per allotment d dilution, compared with $9.9 million, or $2.84 per allotment d dilution, for the aboriginal nine months of 2017.

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The Corporation’s annualized allotment on boilerplate disinterestedness (ROE) and on boilerplate assets (ROA) for the third division of 2018 were 13.81 percent and 1.35 percent, respectively, compared to 8.26 percent and 0.82 percent, respectively, for the third division of 2017.  For the aboriginal nine months of 2018, on an annualized basis, the Corporation’s ROE and ROA were 13.02 percent and 1.24 percent, respectively, compared to 9.25 percent and 0.91 percent, respectively, for the aboriginal nine months of 2017. The increases in ROE and ROA for the third division and aboriginal nine months of 2018, compared to the aforementioned periods in 2017, resulted from college earnings.

“For the added after quarter, we are advertisement the accomplished annual net assets in our Corporation’s history,” said Tom Cherry, President of C&F Cyberbanking Corporation, “as anniversary of our above business segments appear college net assets for the third division of 2018 compared to the third division of 2017. Circumscribed net assets for the third division of 2018 added 69% over the third division of 2017, apprenticed primarily by lower net charge-offs at the chump accounts segment, college absorption assets from loans at the retail cyberbanking articulation and the lower federal accumulated assets tax rate. Circumscribed net assets for the aboriginal nine months of 2018 added 42% over the aboriginal nine months of 2017.”

Retail Cyberbanking Segment.  C&F Bank, which comprises the retail cyberbanking segment, appear net assets of $3.2 actor for the third division of 2018, compared to net assets of $2.1 actor for the third division of 2017. For the aboriginal nine months of 2018, C&F Coffer appear net assets of $7.9 million, compared to $6.0 actor for the aboriginal nine months of 2017.

In accession to the favorable aftereffect of the lower federal accumulated assets tax rate, absolute factors influencing net assets of C&F Coffer for the third division of 2018 included: (1) college absorption assets from loans, primarily due to (a) advance in the achievement of assertive Central Virginia Coffer (CVB) loans acquired in 2013, as discussed below, (b) college yields on capricious bulk loans consistent from ascent absorption ante and (c) accommodation advance and (2) college yields on balance banknote balances. Partially offsetting these factors were (1) college operating costs associated with C&F Coffer continuing to (a) strengthen its technology infrastructure, (b) aggrandize its artefact offerings and (c) advance cast acquaintance and (2) an admission in boilerplate ante on interest-bearing chump deposits. In accession to these factors that afflicted net assets for the third division of 2018, net assets of C&F Coffer for the aboriginal nine months of 2018 was abnormally afflicted by (1) lower yields on balance consistent from connected purchasing in 2018 of balance with lower yields than the all-embracing portfolio and beneath accustomed durations than the aboriginal durations of balance that accept been alleged or accept accomplished and (2) college operating costs associated with C&F Coffer accretion its bazaar attendance in Charlottesville, Virginia and acceptable acquiescence processes.

The acceptance of absorption assets on purchased acclaim broken (PCI) loans is based on our apprehension of approaching payments of arch and interest. Expectations of the timing and bulk of approaching payments on assertive CVB loans acquired in 2013 that are PCI loans accept bigger during 2018, consistent in an dispatch of the acceptance of absorption assets in the third division of 2018 compared to the third division of 2017. Absorption assets accustomed on PCI loans was $1.5 actor and $2.9 actor for the third division and aboriginal nine months of 2018, respectively, compared to $0.5 actor and $2.2 actor for the third division and aboriginal nine months of 2017, respectively.

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Average loans, excluding loans to affiliates, added $22.6 actor or 3.2 percent during the third division of 2018 and $32.3 actor or 4.6 percent during the aboriginal nine months of 2018, compared to the aforementioned periods in 2017. C&F Bank’s absolute nonperforming assets were $2.9 actor at September 30, 2018, compared to $5.4 actor at December 31, 2017. Nonperforming assets at September 30, 2018 consisted primarily of $2.7 actor in nonaccrual loans, compared to $5.3 actor at December 31, 2017. The abatement in nonaccrual loans back December 31, 2017 resulted primarily from a fractional claim of one bartering relationship.

Mortgage Cyberbanking Segment.  C&F Mortgage Corporation, which comprises the mortgage cyberbanking segment, appear net assets of $490,000 for the third division of 2018, compared to net assets of $454,000 for the third division of 2017. For the aboriginal nine months of 2018, C&F Mortgage Corporation appear net assets of $1.7 million, compared to net assets of $1.4 actor for the aboriginal nine months of 2017.

In accession to the favorable aftereffect of the lower federal accumulated assets tax rate, the admission in net assets of the mortgage cyberbanking articulation for the third division and aboriginal nine months of 2018 was due primarily to a abatement in operating costs compared to the aforementioned periods in 2017, consistent from operational efficiencies and administration of cadre costs, partially account by lower assets on sales of loans consistent from lower accommodation production.  Accommodation assembly decreased by 7.7 percent and 3.3 percent in the third division and aboriginal nine months of 2018, respectively, compared to the aforementioned periods in 2017, absorption mortgage industry trends.

Consumer Accounts Segment.  C&F Accounts Company, which comprises the chump accounts segment, appear net assets of $1.8 actor for the third division of 2018, compared to net assets of $713,000 for the third division of 2017. For the aboriginal nine months of 2018, C&F Accounts Aggregation appear net assets of $5.4 million, compared to net assets of $3.3 actor for the aboriginal nine months of 2017.

In accession to the favorable aftereffect of the lower federal accumulated assets tax rate, absolute factors influencing net assets of C&F Accounts Aggregation for the third division and aboriginal nine months of 2018 included (1) a abatement in the accouterment for accommodation losses of $2.0 actor and $4.0 actor for the third division and aboriginal nine months of 2018, respectively, compared to the aforementioned periods in 2017, as a aftereffect of lower charge-offs and convalescent acclaim affection of the portfolio, as discussed below, and (2) lower cadre and operating costs consistent from underwriting efficiencies and the acquirement of accommodation affairs with college acclaim metrics. Partially offsetting these factors were (1) lower accommodation yields consistent from antagonism in the non-prime auto accommodation business and the accretion of accommodation affairs with college acclaim metrics, as able-bodied as almost lower yields on baiter and recreational agent (RV) loans and (2) higher-cost variable-rate borrowings consistent from increases in concise absorption ante back the aboriginal division of 2017.

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The annualized net charge-off arrangement for the aboriginal nine months of 2018 decreased to 3.84 percent from 5.49 percent for the aboriginal nine months of 2017. The abatement reflects a lower cardinal of charge-offs during the aboriginal nine months of 2018. At September 30, 2018, absolute behind loans as a allotment of absolute loans was 4.30 percent, compared to 5.17 percent at December 31, 2017 and 4.64 percent at September 30, 2017. At September 30, 2018, repossessed cartage accessible for auction totaled $331,000, compared to $250,000 at December 31, 2017 and $580,000 at September 30, 2017. The allowance for accommodation losses was $23.6 million, or 7.86 percent of absolute loans at September 30, 2018, compared to $24.4 million, or 8.34 percent of absolute loans at December 31, 2017. If factors influencing the chump accounts articulation aftereffect in a college net charge-off arrangement in the future, or if the chump accounts segment’s accommodation portfolio should grow, the articulation may charge to admission the akin of its allowance for accommodation losses, which would abnormally affect approaching earnings.

During the aboriginal division of 2018, C&F Accounts Aggregation began the amplification of its aberrant lending programs to accommodate boats and RVs. These affairs are for prime loans fabricated to individuals with college acclaim array and are priced at ante essentially lower than its non-prime auto portfolio. While these loans may accord to net absorption allowance compression, administration expects they will crave both a lower accouterment for accommodation losses and allowance for accommodation losses than the chump accounts segment’s non-prime auto loans, accidental to a abatement in the all-embracing akin of the chump accounts segment’s allowance for accommodation losses as a allotment of absolute loans. At September 30, 2018, compared to December 31, 2017, the college agreement aural the chump accounts segment’s accommodation portfolio of baiter and RV loans accounted for 25 base credibility of the 48 base credibility abatement in this ratio.

Other Segments. Added segments, which principally includes the Corporation’s captivation aggregation operations and abundance administration subsidiary, appear accumulated net losses of $316,000 and $978,000 for the third division and aboriginal nine months of 2018, compared to net losses of $251,000 and $784,000 for the third division and aboriginal nine months of 2017.  The college net accident during 2018, compared to 2017, was primarily due to the lower federal accumulated assets tax rate, consistent in a lower federal assets tax account at the captivation company.

Capital and Dividends.  The Corporation declared a annual banknote allotment of 36 cents per allotment during the third division of 2018, which was paid on October 1, 2018, and banknote assets of $1.38 per allotment during the four abode concluded September 30, 2018.  The third division dividend, which represented an admission of 2 cents per share, or 5.9, percent compared to the above-mentioned quarter’s dividend, equated to a payout arrangement of 24.7 percent of third division balance per share. Assets declared for the four abode concluded September 30, 2018 equated to 45 percent of net assets during the aforementioned period, which included a $6.6 actor abridgement in net assets due to the remeasurement of deferred assets taxes during the fourth division of 2017.  The Board of Directors of the Corporation always reviews the bulk of banknote assets per allotment and the consistent allotment payout arrangement in ablaze of changes in bread-and-er conditions, accustomed and approaching basic requirements, and accustomed approaching earnings.

About C&F Cyberbanking Corporation.  C&F Cyberbanking Corporation’s accustomed banal is listed for trading on The Nasdaq Banal Bazaar beneath the attribute CFFI.  The accustomed banal bankrupt at a amount of $49.72 per allotment on October 24, 2018.  At September 30, 2018, the book amount of the Corporation was $42.72 per share.

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C&F Coffer operates 26 retail coffer branches and three bartering accommodation offices amid throughout the Hampton to Charlottesville aisle in Virginia and offers abounding advance casework through its accessory C&F Abundance Management, Inc. C&F Mortgage Corporation provides mortgage accommodation alpha casework through offices amid in Virginia, Maryland, North Carolina, South Carolina and West Virginia. C&F Accounts Aggregation provides automobile, baiter and RV loans through aberrant lending programs offered in Alabama, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Virginia and West Virginia through its offices in Richmond and Hampton, Virginia, and in Nashville, Tennessee.

Additional advice apropos the Corporation’s articles and services, as able-bodied as admission to its filings with the Balance and Exchange Commission, are accessible on the Corporation’s web armpit at http://www.cffc.com.

Use of Assertive Non-GAAP Cyberbanking Measures. The accounting and advertisement behavior of the Corporation accommodate to about accustomed accounting attempt (GAAP) in the United States and prevailing practices in the cyberbanking industry. However, assertive non-GAAP measures are acclimated by administration to supplement the appraisal of the Corporation’s performance. These accommodate the afterward fully-taxable agnate (FTE) measures: absorption assets on loans-FTE, absorption assets on securities-FTE, absolute absorption income-FTE and net absorption income-FTE.

Management believes that FTE measures accommodate users of the Corporation’s cyberbanking advice a presentation of the achievement of absorption earning assets on a base that is commensurable aural the cyberbanking industry. Administration reviews absorption assets of the Corporation on an FTE basis. In this non-GAAP presentation, absorption assets is adapted to reflect tax-exempt absorption assets on an agnate before-tax basis. This admeasurement ensures the allegory of net absorption assets arising from both taxable and tax-exempt sources.

These non-GAAP cyberbanking measures should not be advised an another to GAAP-basis cyberbanking statements, and added coffer captivation companies may ascertain or account these or agnate measures differently. A adaptation of the non-GAAP cyberbanking measures acclimated by the Corporation to appraise and admeasurement the Corporation’s achievement to the best anon commensurable GAAP cyberbanking measures is presented below.

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Forward-Looking Statements.  Statements in this columnist absolution which authentic “belief,” “intention,” “expectation,” “potential” and agnate expressions, analyze advanced statements. These advanced statements are based on the behavior of the Corporation’s management, as able-bodied as assumptions fabricated by, and advice currently accessible to, the Corporation’s management. These statements are inherently uncertain, and there can be no affirmation that the basal assumptions will prove to be accurate. Actual after-effects could alter materially from those advancing or adumbrated by such statements. Advanced statements in this absolution may include, after limitation, statements apropos accustomed approaching cyberbanking performance, cardinal business initiatives and the advancing furnishings thereof, including the amplification of the aberrant lending affairs to accommodate boats and RVs, allowance compression, development of our agenda platform, asset quality, capability of allowances for accommodation losses and the akin of approaching charge-offs, basic levels, the aftereffect of approaching bazaar and industry trends and the furnishings of approaching absorption bulk fluctuations. Factors that could accept a actual adverse aftereffect on the operations and approaching affairs of the Corporation include, but are not bound to, changes in: (1) absorption rates, such as animation in yields on U.S. Treasury bonds and increases or animation in mortgage rates, (2) accepted business conditions, as able-bodied as altitude aural the cyberbanking markets, (3) accepted bread-and-er conditions, including unemployment levels, (4) the legislative/regulatory climate, authoritative initiatives with account to cyberbanking institutions, articles and services, the Chump Cyberbanking Protection Bureau (CFPB) and the authoritative and administration activities of the CFPB, and the appliance of the Basel III basic standards to the Corporation and C&F Bank, (5) the aftereffect of the Tax Cuts and Jobs Act (the Act) and changes in the aftereffect of the Act due to arising of analytic authoritative advice or achievement of antidotal or added legislation, (6) budgetary and budgetary behavior of the U.S. Government, including behavior of the U.S. Treasury and the Federal Reserve Board, and the aftereffect of these behavior on absorption ante and business in our markets, (7) the amount of balance captivated in the Corporation’s advance portfolios, (8) the affection or agreement of the accommodation portfolios and the amount of the accessory accepting those loans, (9) the account akin and appraisement of acclimated automobiles, including sales prices of repossessed vehicles, (10) the akin of net charge-offs on loans and the capability of our allowance for accommodation losses, (11) the akin of apology losses accompanying to mortgage loans sold, (12) appeal for accommodation products, (13) drop flows, (14) the backbone of the Corporation’s counterparties and the abridgement in general, (15) antagonism from both banks and non-banks, including antagonism in the non-prime auto accounts markets, (16) appeal for cyberbanking casework in the Corporation’s bazaar area, (17) assurance on third parties for key services, (18) the bartering and residential absolute acreage markets, (19) appeal in the accessory residential mortgage accommodation markets, (20) the Corporation’s annex and bazaar expansions and technology initiatives, (21) cyber threats, attacks or events, (22) amplification of C&F Bank’s artefact offerings and (23) accounting principles, behavior and guidelines, and elections by the Corporation thereunder. These risks and uncertainties should be advised in evaluating the advanced statements independent herein, and readers are cautioned not to abode disproportionate assurance on any advanced statements, which allege alone as of the date of this release.  For added advice on accident factors that could affect the advanced statements independent herein, see the Corporation’s Annual Report on Form 10-K for the year concluded December 31, 2017 and added letters filed with the Balance and Exchange Commission.

Contact: 

Tom Cherry, PresidentJason Long, Chief Cyberbanking Officer

(804) 843-2360

C&F Cyberbanking Corporation

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Selected Cyberbanking Information(in thousands, except for allotment and per allotment data)

________________________*Derived from audited circumscribed cyberbanking statements.

________________________*For added advice about these non-GAAP cyberbanking measures, amuse see “Use of Assertive Non-GAAP Cyberbanking Measures” and “Reconciliation of Assertive Non-GAAP Cyberbanking Measures.”

________________________*      Derived from audited circumscribed cyberbanking statements.1 The loans acquired from CVB are tracked in two abstracted categories: “purchased performing” and “purchased acclaim impaired.” The actual abatement for the purchased d loans was $2.0 actor at 9/30/18, $2.3 actor at 12/31/17 and $2.5 actor at 9/30/17. The actual abatement for the purchased acclaim broken loans was $8.1 actor at 9/30/18, $9.8 actor at 12/31/17 and $9.9 actor at 9/30/17.2 Total nonaccrual loans accommodate nonaccrual TDRs of $1.2 actor at 9/30/18, $3.9 actor at 12/31/17 and $6.6 actor at 9/30/17.3 Accruing loans accomplished due for 90 canicule or added accommodate purchased acclaim broken loans of $78 thousand at 9/30/18, $90 thousand at 12/31/17 and $151 thousand at 9/30/17.

________________________*       Derived from audited cyberbanking statements.1 All ratios at September 30, 2018 are estimates and accountable to change awaiting authoritative filings.  All ratios at September 30, 2017 are presented as filed.2 The ratios presented for minimum basic requirements are those to be advised abundantly capitalized.

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C&F Cyberbanking CorporationReconciliation of Assertive Non-GAAP Cyberbanking Measures(in thousands)

________________________

 

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