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Community Bankers Trust Corporation Announces Partial Repayment of TARP Preferred Stock

   Community Bankers Trust Corporation Announces Partial Repayment of TARP
                               Preferred Stock

PR Newswire

GLEN ALLEN, Va., Nov. 20, 2013

GLEN ALLEN, Va., Nov. 20, 2013 /PRNewswire/ --Community Bankers Trust
Corporation (NASDAQ: ESXB), the holding company for Essex Bank, announced
today that it has repaid an additional $2,500,000 of its TARP preferred stock
investment from the United States Department of the Treasury. To effect this
repayment, on November 20, 2013, the Company repurchased 2,500 shares of the
13,180 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A,
that were outstanding prior to the repayment. The Company funded the
repurchase through the earnings of its banking subsidiary.

The form of the repurchase was a redemption under the terms of the TARP
preferred stock. The Company paid the Treasury $2,501,736, which represented
100% of the par value of the preferred stock repurchased plus accrued
dividends with respect to such shares. The repurchase will result in a
reduction of $31,250 in the Company's quarterly dividend payments to the
Treasury.

Rex L. Smith, III, the Company's President and Chief Executive Officer,
stated, "We remain on track with our plan to repay the TARP funds through
quarterly payments, and we are pleased that this quarter's amount is slightly
higher than we had planned when we began these payments in July 2013. Our
ability to repay these funds through earnings remains a key indicator of our
on-going positive operating performance and strong capital position, both of
which contribute to viable long-term strategies and prospects."

Prior to the repayment, the Company paid the dividend due in November 2013
with respect to the TARP preferred stock. The Company made the payment, in
the amount of $164,750, on November 15, 2013.

Following the redemption, the Treasury owns 10,680 shares of the Company's
TARP preferred stock, which represents an investment of $10,680,000. Under
the terms of the preferred stock, the Company is required to pay dividends on
a quarterly basis at a rate of 5%per year on such amount through the February
2014 payment. After the February 2014 payment, the dividend rate
automatically increases to 9%per year. The Company may defer dividend
payments, but the dividend is a cumulative dividend that accrues for payment
in the future. The amount of the Company's next dividend payment, scheduled
for February 15, 2014, on the new amount of outstanding shares of preferred
stock is $133,500. The Treasury continues to hold a warrant to purchase
780,000 shares of the Company's common stock at an exercise price of $3.40,
which it acquired in December 2008.

About Community Bankers Trust Corporation and Essex Bank

Community Bankers Trust Corporation is the holding company for Essex Bank, a
Virginia state bank with 19 full-service offices, 13 of which are in Virginia
and six of which are in Maryland. The Bank also operates two loan production
offices in Virginia. The Bank plans to open a new branch office in Annapolis,
Maryland in the first quarter of 2014.

Additional information on the Bank is available on the Bank's website at
www.essexbank.com. For information on Community Bankers Trust Corporation,
please visit its website at www.cbtrustcorp.com.

Forward-Looking Statements

This release contains forward-looking statements, within the meaning of the
Private Securities Litigation Reform Act of 1995, that are subject to risks
and uncertainties. These forward-looking statements include, without
limitation, statements with respect to the Company's operations, performance,
future strategy and goals. Actual results may differ materially from those
included in the forward-looking statements due to a number of factors,
including, without limitation, the effects of and changes in the following:
the quality or composition of the Company's loan or investment portfolios,
including collateral values and the repayment abilities of borrowers and
issuers; assumptions that underlie the Company's allowance for loan losses;
general economic and market conditions, either nationally or in the Company's
market areas; the interest rate environment; competitive pressures among banks
and financial institutions or from companies outside the banking industry;
real estate values; the demand for deposit, loan, and investment products and
other financial services; the demand, development and acceptance of new
products and services; the performance of vendors or other parties with which
the Company does business; time and costs associated with implementing
acquisitions, divestitures and similar transactions; the realization of gains
and expense savings from acquisitions, divestitures and similar transactions;
the Company's compliance with, and the timing of future reimbursements from
the FDIC to the Company under, the shared-loss agreements; assumptions and
estimates that underlie the accounting for loan pools under the shared-loss
agreements; consumer profiles and spending and savings habits; levels of fraud
in the banking industry; the level of attempted cyber attacks in the banking
industry; the securities and credit markets; costs associated with the
integration of banking and other internal operations; the ability of the
Company to comply with regulatory actions, and the costs associated with doing
so; management's evaluation of assets on a periodic basis, and any resulting
impairment charges, under applicable accounting standards; the soundness of
other financial institutions with which the Company does business; inflation;
technology; and legislative and regulatory requirements. Many of these factors
and additional risks and uncertainties are described in the Company's Annual
Report on Form 10-K for the year ended December31, 2012 and other reports
filed from time to time by the Company with the Securities and Exchange
Commission. This press release speaks only as of its date, and the Company
disclaims any duty to update the information in it.

SOURCE Community Bankers Trust Corporation

Website: http://www.cbtrustcorp.com
Contact: John M. Oakey, III, Community Bankers Trust Corporation, 804-934-9999