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C&F Financial Corp. – ‘10-K’ for 12/31/23 – ‘EX-101.SCH’

On:  Tuesday, 2/27/24, at 3:05pm ET   ·   For:  12/31/23   ·   Accession #:  913341-24-9   ·   File #:  0-23423

Previous ‘10-K’:  ‘10-K’ on 2/28/23 for 12/31/22   ·   Latest ‘10-K’:  This Filing   ·   18 References:   

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  As Of               Filer                 Filing    For·On·As Docs:Size

 2/27/24  C&F Financial Corp.               10-K       12/31/23  148:35M

Annual Report   —   Form 10-K   —   SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   8.68M 
 2: EX-23       Consent of Expert or Counsel                        HTML     38K 
 6: EX-97       Clawback Policy re: Recovery of Erroneously         HTML     60K 
                Awarded Compensation                                             
 3: EX-31.1     Certification -- §302 - SOA'02                      HTML     44K 
 4: EX-31.2     Certification -- §302 - SOA'02                      HTML     43K 
 5: EX-32       Certification -- §906 - SOA'02                      HTML     42K 
12: R1          Document And Entity Information                     HTML    108K 
13: R2          Consolidated Balance Sheets                         HTML    160K 
14: R3          Consolidated Balance Sheets (Parenthetical)         HTML     55K 
15: R4          Consolidated Statements of Income                   HTML    173K 
16: R5          Consolidated Statements of Comprehensive Income     HTML     77K 
                (Loss)                                                           
17: R6          Consolidated Statements of Equity                   HTML    100K 
18: R7          Consolidated Statements of Equity (Parenthetical)   HTML     40K 
19: R8          Consolidated Statements of Cash Flows               HTML    163K 
20: R9          Summary of Significant Accounting Policies          HTML     95K 
21: R10         Adoption of New Accounting Standards                HTML    114K 
22: R11         Securities                                          HTML    246K 
23: R12         Loans                                               HTML    454K 
24: R13         Allowance for Credit Losses                         HTML   1.08M 
25: R14         Oreo                                                HTML     78K 
26: R15         Corporate Premises and Equipment                    HTML     57K 
27: R16         Goodwill and Other Intangible Assets                HTML     82K 
28: R17         Leases                                              HTML    144K 
29: R18         Time Deposits                                       HTML     61K 
30: R19         Borrowings                                          HTML     69K 
31: R20         Equity, Other Comprehensive Income and Earnings     HTML    290K 
                Per Share                                                        
32: R21         Income Taxes                                        HTML    154K 
33: R22         Employee Benefit Plans                              HTML    231K 
34: R23         Related Party Transactions                          HTML     45K 
35: R24         Share-Based Plans                                   HTML     87K 
36: R25         Regulatory Requirements and Restrictions            HTML    175K 
37: R26         Commitments and Contingent Liabilities              HTML     60K 
38: R27         Fair Value of Assets and Liabilities                HTML    399K 
39: R28         Business Segments                                   HTML    355K 
40: R29         Derivative Financial Instruments                    HTML    118K 
41: R30         Holding Company Condensed Financial Information     HTML    149K 
42: R31         Other Noninterest Expenses                          HTML     69K 
43: R32         Summary of Significant Accounting Policies          HTML    164K 
                (Policies)                                                       
44: R33         Adoption of New Accounting Standards (Tables)       HTML     99K 
45: R34         Securities (Tables)                                 HTML    246K 
46: R35         Loans (Tables)                                      HTML    458K 
47: R36         Allowance for Credit Losses (Tables)                HTML   1.07M 
48: R37         Oreo (Tables)                                       HTML     78K 
49: R38         Corporate Premises and Equipment (Tables)           HTML     55K 
50: R39         Goodwill and Other Intangible Assets (Tables)       HTML     83K 
51: R40         Leases (Tables)                                     HTML    169K 
52: R41         Time Deposits (Tables)                              HTML     61K 
53: R42         Borrowings (Tables)                                 HTML     60K 
54: R43         Equity, Other Comprehensive Income (Loss) and       HTML    283K 
                Earnings Per Share (Tables)                                      
55: R44         Income Taxes (Tables)                               HTML    155K 
56: R45         Employee Benefit Plans (Tables)                     HTML    228K 
57: R46         Share-Based Plans (Tables)                          HTML     82K 
58: R47         Regulatory Requirements and Restrictions (Tables)   HTML    167K 
59: R48         Commitments and Contingent Liabilities (Tables)     HTML     54K 
60: R49         Fair Value of Assets and Liabilities (Tables)       HTML    380K 
61: R50         Business Segments (Tables)                          HTML    348K 
62: R51         Derivative Financial Instruments (Tables)           HTML    111K 
63: R52         Holding Company Condensed Financial Information     HTML    150K 
                (Tables)                                                         
64: R53         Other Noninterest Expenses (Tables)                 HTML     67K 
65: R54         Summary of Significant Accounting Policies -        HTML     55K 
                Nature of Operations and Significant Group                       
                Concentration of Credit Risk (Details)                           
66: R55         Summary of Significant Accounting Policies - Loans  HTML     43K 
                Held for Investment and Allowance for Credit                     
                Losses on Loans (Details)                                        
67: R56         Summary of Significant Accounting Policies -        HTML     42K 
                Repossessed Assets (Details)                                     
68: R57         Summary of Significant Accounting Policies -        HTML     51K 
                Corporate Premises and Equipment (Details)                       
69: R58         Summary of Significant Accounting Policies -        HTML     42K 
                Income taxes and derivative financial instruments                
                (Details)                                                        
70: R59         Adoption of New Accounting Standards (Details)      HTML    121K 
71: R60         Securities - Available for sale Securities          HTML     66K 
                (Details)                                                        
72: R61         Securities - Maturities and Realized Gains and      HTML     81K 
                Losses (Details)                                                 
73: R62         Securities - Pledged as Collateral (Details)        HTML     48K 
74: R63         Securities - Unrealized Loss Positions (Details)    HTML     90K 
75: R64         Securities - Restricted Stocks and others           HTML     42K 
                (Details)                                                        
76: R65         Loans - Classes of Loans (Details)                  HTML     78K 
77: R66         Loans - Loan Portfolio by Class (Details)           HTML    126K 
78: R67         Loans - Amortized cost basis of loans on            HTML     54K 
                nonaccrual status (Details)                                      
79: R68         Loans - Amortized cost basis of loans (Details)     HTML     59K 
80: R69         Loans - Loan Modifications (Details)                HTML     51K 
81: R70         Loans - Loans Acquired (Details)                    HTML     66K 
82: R71         Loans - Change in Accretable Yield (Details)        HTML     50K 
83: R72         Loans - Past Due Status (Details)                   HTML    118K 
84: R73         Loans - Troubled Debt Restructurings (Details)      HTML     58K 
85: R74         Loans - Impaired Loans (Details)                    HTML     59K 
86: R75         Allowance for Credit Losses - Loan Portfolio        HTML     83K 
                (Details)                                                        
87: R76         Allowance for Credit Losses - Provision for Credit  HTML     44K 
                Losses (Details)                                                 
88: R77         Allowance for Credit Losses - Loan Rating and Year  HTML    162K 
                of Origination (Details)                                         
89: R78         Allowance for Credit Losses - Credit Rating and     HTML    117K 
                Year of Origination (Details)                                    
90: R79         Allowance for Credit Losses - Gross Charge-offs of  HTML     80K 
                loans by Year of Origination (Details)                           
91: R80         Allowance for Credit Losses - Change in Allowance   HTML     70K 
                for Loan Losses (Details)                                        
92: R81         Allowance for Credit Losses - Allowance and Loans   HTML     84K 
                by Impairment Methodology (Details)                              
93: R82         Allowance for Credit Losses - Credit Quality        HTML     88K 
                Indicators (Details)                                             
94: R83         Allowance for Credit Losses - Loans by Credit       HTML     56K 
                Quality Indicators - Performing and Non-Performing               
                (Details)                                                        
95: R84         OREO - Change in OREO (Details)                     HTML     49K 
96: R85         OREO - Changes in the Allowance for OREO Losses     HTML     49K 
                (Details)                                                        
97: R86         Corporate Premises and Equipment (Details)          HTML     56K 
98: R87         Goodwill and Other Intangible Assets - Goodwill     HTML     44K 
                (Details)                                                        
99: R88         Goodwill and Other Intangible Assets - Other        HTML     50K 
                Intangible Assets (Details)                                      
100: R89         Goodwill and Other Intangible Assets -              HTML     59K  
                Amortization (Details)                                           
101: R90         Leases (Details)                                    HTML     95K  
102: R91         Leases - Maturities of Corporation's Lease          HTML     78K  
                Liabilities (Details)                                            
103: R92         Time Deposits - Time Deposits (Details)             HTML     44K  
104: R93         Time Deposits - Remaining Maturities on Time        HTML     53K  
                Deposits (Details)                                               
105: R94         Borrowings - Short-term Borrowings (Details)        HTML     55K  
106: R95         Borrowings - Long-term Borrowings (Details)         HTML     61K  
107: R96         Borrowings - Line of Credit and other disclosures   HTML     55K  
                (Details)                                                        
108: R97         Borrowings - Statutory Trusts (Details)             HTML     71K  
109: R98         Equity, Other Comprehensive Income and Earnings     HTML     61K  
                Per Share - Equity and Noncontrolling Interest                   
                (Details)                                                        
110: R99         Equity, Other Comprehensive Income and Earnings     HTML     85K  
                Per Share - Changes in Accumulated Other                         
                Comprehensive Income (Loss), Net (Details)                       
111: R100        Equity, Other Comprehensive Income and Earnings     HTML     72K  
                Per Share - Reclassification of Accumulated Other                
                Comprehensive Loss, Net (Details)                                
112: R101        Equity, Other Comprehensive Income and Earnings     HTML     56K  
                Per Share - Earnings Per Share (Eps) (Details)                   
113: R102        Income Taxes - Components of Income Tax Expense     HTML     49K  
                (Details)                                                        
114: R103        Income Taxes - Income Tax Rate Reconciliation       HTML     89K  
                (Details)                                                        
115: R104        Income Taxes - Deferred Tax Assets and Liabilities  HTML     78K  
                (Details)                                                        
116: R105        Employee Benefit Plans - Defined Contribution       HTML     58K  
                Plans (Details)                                                  
117: R106        Employee Benefit Plans - Defined Benefit Plans -    HTML    101K  
                Projected Benefit Obligations, Plan Assets, Funded               
                Status and Rate Assumptions (Details)                            
118: R107        Employee Benefit Plans - Defined Benefit Plans -    HTML     80K  
                Components of Net Periodic Pension Costs (Details)               
119: R108        Employee Benefit Plans - Defined Benefit Plans -    HTML     50K  
                Weighted-average Assumptions for Net Periodic                    
                Benefit Cost (Details)                                           
120: R109        Employee Benefit Plans - Defined Benefit Plans -    HTML     53K  
                Expected Benefit Payments (Details)                              
121: R110        Employee Benefit Plans - Defined Benefit Plans -    HTML     47K  
                Weighted-Average Asset Allocations (Details)                     
122: R111        Employee Benefit Plans - Defined Benefit Plans -    HTML     58K  
                Fair Value of Defined Benefit Plan Assets                        
                (Details)                                                        
123: R112        Related Party Transactions (Details)                HTML     51K  
124: R113        Share-Based Plans - Restricted Stock Activity       HTML     92K  
                (Details)                                                        
125: R114        Regulatory Requirements and Restrictions - Capital  HTML    108K  
                Amounts and Ratios (Details)                                     
126: R115        Regulatory Requirements and Restrictions - New      HTML     51K  
                minimum capital ratios (Details)                                 
127: R116        Regulatory Requirements and Restrictions - Trust    HTML     45K  
                Preferred Securities (Details)                                   
128: R117        Commitments and Contingent Liabilities - Loan       HTML     45K  
                Commitments (Details)                                            
129: R118        Commitments and Contingent Liabilities - Other      HTML     48K  
                (Details)                                                        
130: R119        Commitments and Contingent Liabilities - Changes    HTML     45K  
                in Allowance for Indemnifications Losses (Details)               
131: R120        Fair Value of Assets and Liabilities - Investments  HTML     54K  
                in Other investment company funds (Details)                      
132: R121        Fair Value of Assets and Liabilities - Financial    HTML    106K  
                Assets and Liabilities Measured at Fair Value on a               
                Recurring Basis (Details)                                        
133: R122        Fair Value of Assets and Liabilities - Financial    HTML     43K  
                Assets Measured at Fair Value on Non-Recurring                   
                Basis (Details)                                                  
134: R123        Fair Value of Assets and Liabilities - Carrying     HTML    114K  
                Value and Estimated Fair Value of Financial                      
                Instruments (Details)                                            
135: R124        Business Segments - Segment Reporting (Details)     HTML    134K  
136: R125        Business Segments - Other (Details)                 HTML     59K  
137: R126        Derivative Financial Instruments (Details)          HTML     85K  
138: R127        Holding Company Condensed Financial Information -   HTML     82K  
                Condensed Balance Sheet (Details)                                
139: R128        Holding Company Condensed Financial Information -   HTML     74K  
                Statements of Income (Details)                                   
140: R129        Holding Company Condensed Financial Information -   HTML     74K  
                Condensed Cash Flow Statement (Details)                          
141: R130        Other Noninterest Expenses (Details)                HTML     51K  
142: R131        Pay vs Performance Disclosure                       HTML     50K  
143: R132        Insider Trading Arrangements                        HTML     48K  
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<xsd:element name="InterestIncomeMoneyMarketDepositsAndFederalFundsSold" id="cffi_InterestIncomeMoneyMarketDepositsAndFederalFundsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
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<xsd:element name="CommercialFinancialAndAgriculturalLoanMember" id="cffi_CommercialFinancialAndAgriculturalLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
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<xsd:element name="TravelEntertainmentAndEmployeeEducationExpense" id="cffi_TravelEntertainmentAndEmployeeEducationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
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<xsd:element name="ProfitSharingPlanMember" id="cffi_ProfitSharingPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
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<xsd:element name="NoninterestIncomeServiceChargesOnDepositAccounts" id="cffi_NoninterestIncomeServiceChargesOnDepositAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="NoninterestIncomeOtherServiceChargesAndFees" id="cffi_NoninterestIncomeOtherServiceChargesAndFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="NoninterestIncomeWealthManagementServicesIncomeNet" id="cffi_NoninterestIncomeWealthManagementServicesIncomeNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="CFSelectLlcMember" id="cffi_CFSelectLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="StockRepurchaseProgramNumberOfSharesWithheld" id="cffi_StockRepurchaseProgramNumberOfSharesWithheld" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="NumberOfIntersegmentLinesOfCredit" id="cffi_NumberOfIntersegmentLinesOfCredit" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="BestEffortsForwardSalesContractsMember" id="cffi_BestEffortsForwardSalesContractsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="ThresholdRepossessionProcessInitiated" id="cffi_ThresholdRepossessionProcessInitiated" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="InterestRateSwapWithCounterPartyMember" id="cffi_InterestRateSwapWithCounterPartyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="TotalCapitalConservationBufferExceeded" id="cffi_TotalCapitalConservationBufferExceeded" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
<xsd:element name="Cet1CapitalConservationBufferExceeded" id="cffi_Cet1CapitalConservationBufferExceeded" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
<xsd:element name="DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationInterestCreditingRate" id="cffi_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationInterestCreditingRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
<xsd:element name="RepossessedAssetsPolicyTextBlock" id="cffi_RepossessedAssetsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="ScheduleOfCreditLossesRelatedToFinancingReceivablesTableTextBlock" id="cffi_ScheduleOfCreditLossesRelatedToFinancingReceivablesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="OtherRealEstateOwnedTransfersOfPropertyFromCorporatePremises" id="cffi_OtherRealEstateOwnedTransfersOfPropertyFromCorporatePremises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="FinancingReceivableAcquiredLoans" id="cffi_FinancingReceivableAcquiredLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element name="ServiceChargesOnDepositAccountsPolicyTextBlock" id="cffi_ServiceChargesOnDepositAccountsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="OtherServiceChargesAndFeesPolicyTextBlock" id="cffi_OtherServiceChargesAndFeesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="InterchangeIncomePolicyTextBlock" id="cffi_InterchangeIncomePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="WealthManagementServicesIncomeNetPolicyTextBlock" id="cffi_WealthManagementServicesIncomeNetPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="IncreaseDecreaseInCollateralPostedWithOtherFinancialInstitutionsNet" id="cffi_IncreaseDecreaseInCollateralPostedWithOtherFinancialInstitutionsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="LiabilitiesAssumedToAcquireRightOfUseAssetsUnderOperatingLeases" id="cffi_LiabilitiesAssumedToAcquireRightOfUseAssetsUnderOperatingLeases" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="DeferredTaxAssetsLeaseLiabilities" id="cffi_DeferredTaxAssetsLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element name="DeferredTaxLiabilitiesRightOfUseAssets" id="cffi_DeferredTaxLiabilitiesRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element name="MortgageBankingSegmentMember" id="cffi_MortgageBankingSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="EquipmentFurnitureAndFixturesMember" id="cffi_EquipmentFurnitureAndFixturesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="IntersegmentInterestDebtInstrumentFloorVariableRate" id="cffi_IntersegmentInterestDebtInstrumentFloorVariableRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="PaymentsToAcquireTimeDeposits" id="cffi_PaymentsToAcquireTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="CommunityBankingMember" id="cffi_CommunityBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="LongTermBorrowings" id="cffi_LongTermBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element name="CorporateAndOtherDebtSecuritiesMember" id="cffi_CorporateAndOtherDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="NoninterestIncomeMortgageLenderServicesIncome" id="cffi_NoninterestIncomeMortgageLenderServicesIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="ProvisionForIndemnifications" id="cffi_ProvisionForIndemnifications" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="OperatingLeaseAndFinanceLeasePayments" id="cffi_OperatingLeaseAndFinanceLeasePayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="LeaseBalanceSheetDisclosureAndQuantitativeDetailsTableTextBlock" id="cffi_LeaseBalanceSheetDisclosureAndQuantitativeDetailsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="LeasesCashFlowInformationTableTextBlock" id="cffi_LeasesCashFlowInformationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="SubordinatedNotesDue2030Member" id="cffi_SubordinatedNotesDue2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="PeriodUntilSeptember2025Member" id="cffi_PeriodUntilSeptember2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="PeriodAfterSeptember2025Member" id="cffi_PeriodAfterSeptember2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="EffectiveIncomeTaxRateReconciliationExcessCompensation" id="cffi_EffectiveIncomeTaxRateReconciliationExcessCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="EffectiveIncomeTaxRateReconciliationExcessCompensationPercentage" id="cffi_EffectiveIncomeTaxRateReconciliationExcessCompensationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="GainsLossesOnSalesOfLoansHeldForSale" id="cffi_GainsLossesOnSalesOfLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="OtherNoninterestIncomeLossNet" id="cffi_OtherNoninterestIncomeLossNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="StockRepurchasedAggregateShares" id="cffi_StockRepurchasedAggregateShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
<xsd:element name="StockRepurchasedAggregateValue" id="cffi_StockRepurchasedAggregateValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element name="TransfersFromLoansHeldForSaleToLoansHeldForInvestment" id="cffi_TransfersFromLoansHeldForSaleToLoansHeldForInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="NoninterestExpenseNet" id="cffi_NoninterestExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="FinancialReceivablesCurrentMember" id="cffi_FinancialReceivablesCurrentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="ShareRepurchaseProgram2021Member" id="cffi_ShareRepurchaseProgram2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="DefinedBenefitPlanThresholdMonthlyInterestCredit" id="cffi_DefinedBenefitPlanThresholdMonthlyInterestCredit" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="IncomeTaxRateReconciliationChangeInEnactedTaxRateContributionOfRealProperty" id="cffi_IncomeTaxRateReconciliationChangeInEnactedTaxRateContributionOfRealProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element name="EffectiveIncomeTaxRateReconciliationChangeInEffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" id="cffi_EffectiveIncomeTaxRateReconciliationChangeInEffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="DefinedBenefitPlanPensionSettlementChargesBeforeTax" id="cffi_DefinedBenefitPlanPensionSettlementChargesBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="MortgageLenderServicesIncomePolicyTextBlock" id="cffi_MortgageLenderServicesIncomePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="MarineAndRecreationalVehiclesMember" id="cffi_MarineAndRecreationalVehiclesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
<xsd:element name="ProceedsFromFinanceLeaseIncentives" id="cffi_ProceedsFromFinanceLeaseIncentives" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="RealEstateOwnedValuationAllowanceProvisionForLosses" id="cffi_RealEstateOwnedValuationAllowanceProvisionForLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element name="NetDecreaseIncreaseInCommunityBankingLoansHeldForInvestment" id="cffi_NetDecreaseIncreaseInCommunityBankingLoansHeldForInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit"/>
<xsd:element name="ReclassificationOfNetRealizedGainsIntoNetIncomeMember" id="cffi_ReclassificationOfNetRealizedGainsIntoNetIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="SecuritiesAvailableForSaleTaxEffectsMember" id="cffi_SecuritiesAvailableForSaleTaxEffectsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="ReclassificationOfRecognizedNetActuarialLossesMember" id="cffi_ReclassificationOfRecognizedNetActuarialLossesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="DefinedBenefitPlansTaxTaxEffectsMember" id="cffi_DefinedBenefitPlansTaxTaxEffectsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="AmortizationOfHedgingGainsIntoNetIncomeMember" id="cffi_AmortizationOfHedgingGainsIntoNetIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="CashFlowHedgesTaxEffectsMember" id="cffi_CashFlowHedgesTaxEffectsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="NonInterestInvestmentIncomeInOtherEquityInterests" id="cffi_NonInterestInvestmentIncomeInOtherEquityInterests" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit"/>
<xsd:element name="OtherIncomeNetOfTax" id="cffi_OtherIncomeNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit"/>
<xsd:element name="ThirdPartiesMember" id="cffi_ThirdPartiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="ShareRepurchaseProgram2022Member" id="cffi_ShareRepurchaseProgram2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="InterSegmentInterestDebtInstrumentCeilingPercent" id="cffi_InterSegmentInterestDebtInstrumentCeilingPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="NoncashInvestingAndFinancingActivitiesAdoptionOfNewAccountingStandard" id="cffi_NoncashInvestingAndFinancingActivitiesAdoptionOfNewAccountingStandard" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit"/>
<xsd:element name="ReserveForCreditLossesOnUnfundedCommitments" id="cffi_ReserveForCreditLossesOnUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit"/>
<xsd:element name="ConstructionCommercialRealEstateLoansMember" id="cffi_ConstructionCommercialRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="LandAcquisitionAndDevelopmentLoansMember" id="cffi_LandAcquisitionAndDevelopmentLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="BuilderLinesLoansMember" id="cffi_BuilderLinesLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="ConstructionConsumerRealEstateLoansMember" id="cffi_ConstructionConsumerRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="OtherConsumerLoansMember" id="cffi_OtherConsumerLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="FinancingReceivableReversalOfInterestIncomeUponPlacingLoansOnNonaccrualStatus" id="cffi_FinancingReceivableReversalOfInterestIncomeUponPlacingLoansOnNonaccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit"/>
<xsd:element name="FinancingReceivablesModifiedLoansWeightedAverageInterestRate" id="cffi_FinancingReceivablesModifiedLoansWeightedAverageInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false"/>
<xsd:element name="FinancingReceivablesModifiedLoansWeightedAverageExtensionTerm" id="cffi_FinancingReceivablesModifiedLoansWeightedAverageExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="ProvisionForUnfundedCommitments" id="cffi_ProvisionForUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit"/>
<xsd:element name="ProvisionForCreditLosses" id="cffi_ProvisionForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit"/>
<xsd:element name="CommercialAndConsumerLoanPortfolioMember" id="cffi_CommercialAndConsumerLoanPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="CreditRatingVeryGoodMember" id="cffi_CreditRatingVeryGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="CreditRatingGoodMember" id="cffi_CreditRatingGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="CreditRatingFairlyGoodMember" id="cffi_CreditRatingFairlyGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="CreditRatingFairMember" id="cffi_CreditRatingFairMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="CreditRatingMarginalMember" id="cffi_CreditRatingMarginalMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="FinancingReceivableCollateralDependentLoansWhichRequiredSaleOfCollateralAndBorrowerHadFinancialDifficulty" id="cffi_FinancingReceivableCollateralDependentLoansWhichRequiredSaleOfCollateralAndBorrowerHadFinancialDifficulty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit"/>
<xsd:element name="DemandDepositOverdraftsMember" id="cffi_DemandDepositOverdraftsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="ScheduleOfBreakdownOfProvisionForCreditLossesTableTextBlock" id="cffi_ScheduleOfBreakdownOfProvisionForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="ReserveForUnfundedCommitments" id="cffi_ReserveForUnfundedCommitments" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="ImpairmentLossDebtSecurities" id="cffi_ImpairmentLossDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit"/>
<xsd:element name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts2" id="cffi_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts2" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="PrincipalAssetsOfTrust" id="cffi_PrincipalAssetsOfTrust" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit"/>
<xsd:element name="AccruedInterestReceivableMember" id="cffi_AccruedInterestReceivableMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true"/>
<xsd:element name="ScheduleOfImpairedLoansTableTextBlock" id="cffi_ScheduleOfImpairedLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="ImpairedLoansUnpaidPrincipalBalance" id="cffi_ImpairedLoansUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit"/>
<xsd:element name="Rule10b51ArrangementModified" id="cffi_Rule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="NonRule10b51ArrangementModified" id="cffi_NonRule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false"/>
<xsd:element name="AdjustmentsDeferredIncomeTaxExpenseBenefit" id="cffi_AdjustmentsDeferredIncomeTaxExpenseBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit"/>
</xsd:schema>

1 Subsequent Filing that References this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/28/24  C&F Financial Corp.               S-8         2/28/24    7:2.2M

17 Previous Filings that this Filing References

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 3/03/21  C&F Financial Corp.               10-K       12/31/20  151:31M                                    Toppan Merrill Bridge/FA
12/17/20  C&F Financial Corp.               8-K:5,9    12/15/20   11:359K
 9/30/20  C&F Financial Corp.               8-K:1,2,8,9 9/29/20   13:668K
 3/03/20  C&F Financial Corp.               10-K       12/31/19  138:32M                                    Toppan Merrill Bridge/FA
 6/14/19  C&F Financial Corp.               8-K:5,9     6/13/19    2:104K                                   Toppan Merrill Bridge/FA
 3/08/18  C&F Financial Corp.               10-K       12/31/17  147:35M                                    Toppan Merrill Bridge/FA
11/08/17  C&F Financial Corp.               10-Q        9/30/17   79:24M
 3/04/16  C&F Financial Corp.               10-K       12/31/15  146:31M                                    Toppan Merrill Bridge/FA
 3/15/13  C&F Financial Corp.               DEF 14A     4/16/13    1:1.2M                                   Broadridge Fin’l So… Inc
 1/14/09  C&F Financial Corp.               8-K:1,3,5,9 1/08/09    6:549K                                   Donnelley … Solutions/FA
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