VBFC

Village Bank and Trust Financial Corp. is a bank holding company. The Company has three wholly owned subsidiaries: Village Bank (the Bank), Southern Community Financial Capital Trust I, and Village Financial Statutory Trust II. It operates through two segments: traditional commercial banking and mortgage banking. The traditional commercial banking segment provides the mortgage banking segment with the short-term funds needed to originate mortgage loans through a warehouse line of credit. Additionally, the mortgage banking segment leases premises from the commercial banking segment. The Bank is the primary operating business of the Company. The Bank offers a range of banking and related financial services, including checking, savings, certificates of deposit and other depository services, and commercial, real estate and consumer loans, primarily in the Richmond, Virginia and Williamsburg, Virginia metropolitan areas. The Bank provides its customers with personal customized service.