Village Bank and Trust Financial CorpNASDAQ VBFC Stock Report

Village Bank & Trust Financial Corp. operates as a bank holding company, which engages in commercial and consumer banking. The company is headquartered in Midlothian, Virginia. The company went IPO on 2000-10-31. The firm has three wholly owned subsidiaries: Village Bank (the Bank), Southern Community Financial Capital Trust I, and Village Financial Statutory Trust II. The company 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 personalized customized service.