Xenith Bankshares, Inc. Reports 2013 Financial Results Reflecting Loan, Deposit, Total Asset Growth

Xenith Bankshares, Inc. Reports 2013 Financial Results Reflecting Loan,
Deposit, Total Asset Growth

RICHMOND, Va., Feb. 19, 2014 (GLOBE NEWSWIRE) -- Xenith Bankshares, Inc.
(Nasdaq:XBKS), parent company of Xenith Bank, a business-focused bank serving
the Greater Washington, D.C., Richmond, and Greater Hampton Roads, Virginia
markets, today announced financial results for the year and quarter ended
December 31, 2013.

For the year ended December 31, 2013, net income was $2.0 million, or $0.18
per common share, compared to $7.4 million, or $0.70 per common share, for the
year ended December 31, 2012. Net income in 2013 reflected income tax expense,
while net income in 2012 included a $5.0 million, or $0.47 per common share,
tax benefit due to the reversal of the valuation allowance on the company's
net deferred tax asset.

The company reported fourth quarter 2013 net income of $268,000, or $0.02 per
common share, compared to fourth quarter 2012 net income of $332,000, or $0.03
per common share.

T. Gaylon Layfield, III, President and Chief Executive Officer, commented: "We
continued our path of prudent and steady growth, with a sharp focus on
positioning the bank for an improving macroeconomic environment. This past
year presented challenging and evolving economic conditions. In spite of these
market conditions, we continued to grow, build commercial banking market share
and expand client relationships. We further strengthened our balance sheet and
our technology and operations infrastructure enabling the company to move
forward with confidence, pursue organic growth in our target markets, and seek
pragmatic strategic opportunities."

2013 Highlights

  oFor the year ended 2013, income before income tax expense was $3.1
    million, an increase of 8.6%, compared to income before income tax expense
    of $2.8 million in 2012.
  oLoans held for investment, net of allowance for loan losses, at December
    31, 2013 increased 40.7% to $533.1 million compared to $379.0 million at
    December 31, 2012, primarily reflecting 20.8% growth in commercial and
    industrial ("C&I") lending, 14.5% growth in commercial real estate ("CRE")
    lending, and the addition of approximately $94.0 million in variable-rate,
    federally guaranteed student loans during 2013. Excluding guaranteed
    student loans, loans held for investment at December 31, 2013 increased
    $60.3 million, or nearly 16%, compared to year-end 2012.
  oAverage interest-earning assets in 2013 were $570.1 million, up from
    $493.0 million in 2012.
  oTotal assets at December 31, 2013 increased to $679.9 million, an increase
    of 20.7%, compared to $563.2 million at December 31, 2012, primarily
    reflecting loan growth, a modestly expanded portfolio of securities
    available for sale, bank owned life insurance, and cash and cash
    equivalents.
  oMeasures of asset quality reflected continuing strength and year-over-year
    improvement. At December 31, 2013, the ratio of nonperforming assets to
    total assets was 0.59% compared to 0.95% a year earlier, the ratio of
    nonperforming assets to loans held for investment was 0.75%, down from
    1.39% a year earlier, and the ratio of allowance for loan and lease losses
    to nonaccrual loans was 139% compared to 96% at year-end 2012.
  oCapital strength was reflected in ratios that were well above regulatory
    standards for "well-capitalized" banks at December 31, 2013, with a Tier 1
    leverage ratio of 10.5%, a Tier 1 risk-based capital ratio of 13.4%, and a
    total risk-based capital ratio of 14.4%.
  oReflecting shareholder value growth, tangible book value^1 at December 31,
    2013 was $6.10 per common share, compared to $6.02 at December 31, 2012.

Operating Results

Income Statement

Total interest income for the year ended December 31, 2013 was $25.6 million,
compared to $26.0 million for the year ended December 31, 2012. Interest
income reflected stable interest and fees on loans, and a slight decrease in
interest from securities. Relatively flat interest income for 2013 compared to
2012 reflects lower accretion of fair value adjustments on acquired loans and
a decline in asset yields, partially offset by loan growth particularly in the
second half of 2013. Average interest-earning assets increased 15.6% at
year-end 2013 from year-end 2012.

Total interest expense for the year ended December 31, 2013 was $3.5 million
compared to $3.9 million for the year ended December 31, 2012, primarily
reflecting lower interest expense on the Bank's core deposits.

Net interest income after provision for loan and lease losses was $20.7
million in 2013, compared to $20.2 million in 2012. Net interest income
increased moderately and the provision for loan and lease losses decreased
$333,000 to $1.5 million in 2013 from $1.8 million in 2012, primarily due to
improved asset quality. Net interest margin in 2013 was 3.89%, a decline from
4.47% in 2012.Net interest margin in 2013 was impacted by lower accretion on
acquired loans and lower asset yields, partially offset by lower deposit
costs.

"While 2013 reflected the pressure on margins that affected most banks, our
margin remained in our targeted range," noted Layfield."Our guaranteed
student loans generate lower yields than our commercial loans, but they offer
a way to deploy our capital to generate returns that we believe are superior
to investment securities in the current interest rate environment, without the
level of price risk that can come with fixed rate securities."Layfield added
that the 2013 net interest margin also reflected unusually high cash balances
late in the year related to client deposit activity.

Total noninterest income for the year ended December 31, 2013 was $1.7
million, compared to $743,000 for the year ended December 31, 2012. The
increase reflected growth in service charges on deposit accounts, increased
fees from treasury management services, fees associated with customer interest
rate swaps, and included a $361,000 gain on the sale of collateral on an
acquired impaired loan.

Noninterest expense for the year ended 2013 was $19.3 million, compared to
$18.1 million for the year ended 2012."The increase in expenses was primarily
for compensation and benefits, in part reflecting the hiring of experienced
relationship managers and proven producers in the Greater Washington, D.C. and
Richmond markets to drive organic loan and deposit growth," Layfield
explained.

The company had income tax expense of $1.1 million in 2013, while in 2012 the
company had an income tax benefit of $5.0 million due to the reversal of the
valuation allowance on the company's net deferred tax asset. For purposes of
comparison, income before income tax for the year ended December 31, 2013 and
2012 was $3.1 million and $2.8 million, respectively.

Net interest income in the fourth quarter ended December 31, 2013 was $5.6
million, unchanged from the fourth quarter of 2012.The impact of higher
average loan balances and lower cost of deposits was offset by lower accretion
and lower yields on loans.The provision for loan and lease losses in the
fourth quarter of 2013 was $573,000 compared to $436,000 in the fourth quarter
of 2012, reflecting growth in gross loans held for investment of $101.0
million in the fourth quarter 2013 compared to $42.7 million in the fourth
quarter 2012.Fourth quarter 2013 growth includes the addition of $73.1
million of guaranteed student loans. Noninterest expenses in the fourth
quarter of 2013 were $4.9 million compared to $4.6 million in the same period
of 2012. Income tax expense in the 2013 period was $140,000 compared to
$380,000 in the fourth quarter of 2012, which included the effect of
nondeductible expenses related to incentive stock options.

Balance Sheet

Loans held for investment increased to $533.1 million at December 31, 2013,
compared to $379.0 million at December 31, 2012.Growth in loans held for
investment in the second half of 2013 was $139.5 million, which includes $94.0
million of guaranteed student loans.

Loans held for investment at December 31, 2013 included $246.3 million in C&I
loans (46% of the loan portfolio), CRE loans of $172.7 million (32% of the
portfolio), and guaranteed student loans of $94.0 million (17% of the
portfolio).Management noted the portfolio of student loans is substantially
U.S. government guaranteed, 20% risk-weighted for capital purposes, and
re-priced every 90 days based on changes in 90-day U.S. Treasury and Libor
rates.

"We were encouraged by the steady growth and ongoing diversification of our
loan portfolio, and particularly the continued strength of our C&I
business.We believe we have the personnel, technology and infrastructure to
support considerable growth in C&I lending, as well as in other lending
categories. Our loan portfolio at the end of 2013 reflected an increased
diversification of borrowers, as we saw an acceleration of loan growth in the
second half of 2013, a sign that the economy may have improved modestly.We
believe our student loan portfolio carries a very attractive risk profile,
while taking very little interest rate risk," Layfield noted.

Loans held for sale, which primarily reflect the company's participation in a
mortgage warehouse lending program, declined to $3.4 million at December 31,
2013, compared to $80.9 million at December 31, 2012, as nationwide mortgage
activity slowed substantially in 2013.Layfield commented that the company has
used existing liquidity from the reduction in mortgage warehouse loans to
build its portfolio of guaranteed student loans.

Total assets were $679.9 million at December 31, 2013, compared to $563.2
million at December 31, 2012, primarily reflecting loan growth, higher cash
balances, and higher levels of investment securities.

A continuing focus on attracting deposits as part of an overall client
relationship contributed to a 25.6% growth in total deposits to $569.2 million
at December 31, 2013 compared to $453.2 million at December 31, 2012.
Noninterest-bearing demand accounts and lower interest rate money market
accounts fueled a significant portion of the growth, providing additional core
deposit funding to support the company's lending activities.

Asset and Credit Quality

Balance sheet quality and asset quality ratios continued to improve throughout
the year. At December 31, 2013, the ratio of nonperforming assets to total
assets was 0.59%, compared to 0.95% a year earlier, the ratio of nonperforming
assets to loans held for investment was 0.75%, compared to 1.39% a year
earlier, and the ratio of allowance for loan and lease losses to nonaccrual
loans was 139%, compared to 96% a year earlier.

The company's ratio of allowance for loan and lease losses to total loans held
for investment was 0.99% at December 31, 2013 compared to 1.27% at December
31, 2012.Management noted the decline in the ratio of allowance for loan and
lease losses to loans held for investment primarily reflected the addition of
$94.0 million of guaranteed student loans in 2013, which are approximately 98%
guaranteed as to principal and interest.The company provides allowance for
the guaranteed student loans based on historical loss estimates, which are
only applied to the non-guaranteed portion of the balances. Net charge-offs
as a percentage of average loans held for investment were 0.22% for the year
ended December 31, 2013.

Capital and Shareholder Value Measures

Capital ratios remained well above published regulatory standards for
"well-capitalized" banks, with a Tier 1 leverage ratio of 10.5%, a Tier 1
risk-based capital ratio of 13.4%, and a total risk-based capital ratio of
14.4% at December 31, 2013.

As part of the company's share repurchase program, which started in the third
quarter of 2013, the company repurchased 50,430 shares at an average price of
$5.88 per share during 2013.

Total shareholders' equity was $87.7 million at December 31, 2013, compared to
$87.5 million at December 31, 2012. Increases in longer term interest rates
had a negative impact on the market value of the company's available-for-sale
securities portfolio, thus reducing shareholders' equity and partially
offsetting the effect of earnings. Tangible book value^1 at December 31, 2013
was $6.10 per share, compared to $6.02 at December 31, 2012. For the year
ended December 31, 2013, return on average assets was 0.33% compared to 1.42%
in 2012, and return on average common equity was 2.49% compared to 9.89% for
the year ended December 31, 2012.

Market Overview and Outlook

Layfield concluded: "We continue to take a long-term perspective in building a
premier business banking franchise, with diversity in clients, products and
services, in what we believe are attractive markets.We have developed the
infrastructure that will allow for considerable operating leverage to support
growth, and have built a first-class team to keep moving us forward.Building
long-term shareholder value is a critical part of our philosophy, and a key
reason why we have been careful and thoughtful in our growth initiatives.Our
goal is to make steady progress and ensure we hold onto our gains."

Profile

Xenith Bankshares, Inc. is the holding company for Xenith Bank. Xenith Bank
is a full-service, locally-managed commercial bank, specifically targeting the
banking needs of middle market and small businesses, local real estate
developers and investors, private banking clients, and select retail banking
clients. As of December 31, 2013, the company had total assets of $679.9
million and total deposits of $569.2 million. Xenith Bank's target markets
are Greater Washington, DC, Richmond, VA, and Greater Hampton Roads, VA
metropolitan statistical areas. The company is headquartered in Richmond,
Virginia and currently has six branch locations in Tysons Corner, Richmond,
and Suffolk, Virginia. Xenith Bankshares common stock trades on the NASDAQ
Capital Market under the symbol "XBKS."

For more information about Xenith Bankshares and Xenith Bank, visit our
website: https://www.xenithbank.com/.

All statements other than statements of historical facts contained in this
press release are forward-looking statements. Forward-looking statements made
in this press release reflect beliefs, assumptions and expectations of future
events or results, taking into account the information currently available to
Xenith Bankshares, Inc. These beliefs, assumptions and expectations may change
as a result of many possible events, circumstances or factors, not all of
which are currently known to Xenith Bankshares. If a change occurs, Xenith
Bankshares' business, financial condition, liquidity, results of operations
and prospects may vary materially from those expressed in, or implied by, the
forward-looking statements. Accordingly, you should not place undue reliance
on these forward-looking statements. Factors that may cause actual results to
differ materially from those contemplated by these forward-looking statements
include the risks discussed in Xenith Bankshares' public filings with the
Securities and Exchange Commission, including those outlined in Part I, Item
1A, "Risk Factors" of Xenith Bankshares' Annual Report on Form 10-K for the
year ended December 31, 2012. Except as required by applicable law or
regulations, Xenith Bankshares does not undertake, and specifically disclaims
any obligation, to update or revise any forward-looking statement.

^1 Please see the discussion of non-GAAP financial measures at the end of the
financial tables.

                      -Selected Financial Tables Follow-

XENITH BANKSHARES, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS
AS OF DECEMBER 31, 2013 AND DECEMBER 31, 2012
                                                           
                                                           
(in thousands, except share data)          December 31, 2013 December 31, 2012
Assets                                                      
Cash and cash equivalents                                   
Cash and due from banks                    $24,944         $9,457
Federal funds sold                         5,749            2,906
Total cash and cash equivalents            30,693           12,363
Securities available for sale, at fair     69,185           57,551
value
Loans held for sale                        3,363            80,867
Loans held for investment, net of
allowance for loan and lease losses, 2013  533,137          379,006
- $5,305; 2012 - $4,875
Premises and equipment, net                5,069            5,397
Other real estate owned                    199              276
Goodwill and other intangible assets, net  15,624           15,989
Accrued interest receivable                2,403            1,606
Deferred tax asset                         4,345            4,094
Bank owned life insurance                  9,690            --
Other assets                               6,188            6,057
Total assets                               $679,896        $563,206
Liabilities and Shareholders' Equity                        
Deposits                                                    
Demand and money market                    $359,455        $317,526
Savings                                    4,785            4,069
Time                                       204,958          131,636
Total deposits                             569,198          453,231
Accrued interest payable                   215              232
Borrowings                                 20,000           20,000
Other liabilities                          2,797            2,196
Total liabilities                          592,210          475,659
Shareholders' equity                                        
Preferred stock, $1.00 par value, $1,000
liquidation value, 25,000,000 shares
authorized as of December 31, 2013 and     8,381            8,381
2012; 8,381 shares issued and outstanding
as of December 31, 2013 and 2012
Common stock, $1.00 par value, 100,000,000
shares authorized as of December 31, 2013
and 2012; 10,437,630 shares issued and     10,438           10,488
outstanding as of December 31, 2013 and
10,488,060 shares issued and outstanding
as of December 31, 2012
Additional paid-in capital                 71,797           71,414
Accumulated deficit                        (1,758)          (3,660)
Accumulated other comprehensive (loss)     (1,172)          924
income, net of tax
Total shareholders' equity                 87,686           87,547
Total liabilities and shareholders' equity $679,896        $563,206
                                                           
See notes to consolidated financial statements.


XENITH BANKSHARES, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF OPERATIONS
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012
                                                           
                                                           
(in thousands, except per share data)      December 31, 2013 December 31, 2012
Interest income                                             
Interest and fees on loans                 $24,074         $24,254
Interest on securities                     1,249            1,437
Interest on federal funds sold and         310              285
deposits in other banks
Total interest income                      25,633           25,976
Interest expense                                            
Interest on deposits                       2,148            2,656
Interest on time certificates of $100,000  964              919
and over
Interest on federal funds purchased and    374              372
borrowed funds
Total interest expense                     3,486            3,947
Net interest income                        22,147           22,029
Provision for loan and lease losses        1,486            1,819
Net interest income after provision for    20,661           20,210
loan and lease losses
Noninterest income                                          
Service charges on deposit accounts        442              304
Net gain (loss) on sale and write-down of
other real estate owned and other          324              (11)
collateral
Gain on sales of securities                291              220
Increase in cash surrender value of bank   190              --
owned life insurance
Other                                      449              230
Total noninterest income                   1,696            743
Noninterest expense                                         
Compensation and benefits                  11,317           10,579
Occupancy                                  1,499            1,439
FDIC insurance                             409              326
Bank franchise taxes                       788              615
Technology                                 1,611            1,580
Communications                             258              272
Insurance                                  297              295
Professional fees                          1,083            1,187
Other real estate owned                    39               16
Amortization of intangible assets          365              365
Guaranteed student loan servicing          138              --
Other                                      1,502            1,470
Total noninterest expense                  19,306           18,144
Income before income tax                   3,051            2,809
Income tax expense (benefit)               1,065            (4,570)
Net income                                 1,986            7,379
Preferred stock dividend                   (84)             (89)
Net income available to common             $1,902          $7,290
shareholders
Earnings per common share (basic and       $0.18           $0.70
diluted):
                                                           
See notes to consolidated financial statements.


CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
($ in thousands, except per share data)
                                                                                 
PERFORMANCE RATIOS             Quarter Ended                                   Year Ended
                              December   September June 30, March    December         
                               31,        30,                31,      31,
                              2013       2013      2013     2013     2012     2013     2012
Net interest margin (1)        3.50%      4.38%     3.90%    3.83%    4.18%    3.89%    4.47%
Return on average assets (2)   0.16%      0.50%     0.39%    0.29%    0.24%    0.33%    1.42%
Return on average common       1.34%      3.78%     2.77%    2.10%    1.68%    2.49%    9.89%
equity (3)
Efficiency ratio (4)           83%        74%       85%      82%      80%      81%      80%
Net income                     $268     748      552     418     332     1,986   7,379
Earnings per common share      $0.02    0.07     0.05    0.04    0.03    0.18    0.70
(basic and diluted)
______________________________                                                    
(1) Net interest margin is net interest income divided by average interest-earning assets.
(2) Return on average assets is net income for the respective period (annualized for quarter
periods) divided by average assets for the respective period.
(3) Return on average equity is net income for the respective period (annualized for quarter
periods) divided by average equity for the respective period.
(4) Efficiency ratio is non-interest expenses divided by the sum of net interest income and
non-interest income.
                                                                                 
ASSET QUALITY RATIOS           Quarter Ended                                           
                              December   September June 30, March    December         
                               31,        30,                31,      31,
                              2013       2013      2013     2013     2012             
Net charge-offs as a
percentage of average loans    0.22%      0.15%     0.11%    0.04%    0.35%            
held for investment
Allowance for loan and lease
losses (ALLL) as a percentage  0.99%      1.17%     1.23%    1.35%    1.27%            
of total loans held for
investment (1)
ALLL plus remaining discounts
(fair value adjustments) on
acquired loans as a percentage 1.80%      2.34%     2.96%    3.31%    3.32%            
of total loans held for
investment (2)
ALLL to nonaccrual loans (1)   138.78%    126.59%   100.08%  104.35%  96.16%           
Nonperforming assets as a
percentage of total loans held 0.75%      1.02%     1.29%    1.37%    1.39%            
for investment
Nonperforming assets as a      0.59%      0.73%     0.89%    0.89%    0.95%            
percentage of total assets
______________________________                                                    
(1) ALLL excludes discounts (fair value adjustments) on acquired loans.
(2) Ratio is a non-GAAP financial measure calculated as the sum of ALLL and discounts (fair
value adjustments) on acquired loans held for investment divided by the sum of total loans held
for investment and discounts on loans.See discussion of non-GAAP financial measures below.
                                                                                 
                                                                                 
CAPITAL RATIOS                 Quarter Ended                                           
                              December   September June 30, March    December         
                               31,        30,                31,      31,
                              2013       2013      2013     2013     2012             
Tier 1 leverage ratio          10.52%     12.01%    12.39%   12.23%   12.90%           
Tier 1 risk-based capital      13.35%     13.82%    13.69%   14.60%   15.39%           
ratio
Total risk-based capital ratio 14.42%     14.89%    14.71%   15.75%   16.52%           
Book value per common share    $7.60    7.58     7.51    7.57    7.55            
(1)
Tangible book value per common $6.10    6.07     6.00    6.05    6.02            
share (2)
______________________________                                                    
(1) Book value per common share is total shareholders' equity less preferred stock divided by
common shares outstanding at the end of the respective period.
(2) Tangible book value per common share is a non-GAAP financial measure calculated as total
shareholders' equity less the sum of preferred stock and goodwill and other intangible assets
divided by common shares outstanding at the end of the respective period.See discussion of
non-GAAP financial measures below.
                                                                                 
                                                                                 
AVERAGE BALANCES (1)           Quarter Ended                                   Year Ended
                              December   September June 30, March    December         
                               31,        30,                31,      31,
                              2013       2013      2013     2013     2012     2013     2012
Total assets                   $685,687 597,476  570,991 577,050 558,133 608,070 519,330
Loans held for sale            $6,631   50,179   62,396  66,434  72,676  46,257  49,579
Loans held for investment, net
of allowance for loan and      $478,985 402,703  372,746 369,688 351,335 406,321 332,507
lease losses
Total deposits                 $574,171 485,511  460,288 466,018 447,829 496,763 413,808
Shareholders' equity           $88,322  87,598   88,153  87,907  87,623  87,995  83,010
______________________________                                                    
(1) Average balances are computed on a daily basis.
                                                                                 
END OF PERIOD BALANCES         Quarter Ended                                           
                              December   September June 30, March    December         
                               31,        30,                31,      31,
                              2013       2013      2013     2013     2012             
Total assets                   $679,896 606,260  578,931 579,853 563,206         
Loans held for sale            $3,363   34,247   61,861  68,905  80,867          
Loans held for investment, net
of allowance for loan and      $533,137 432,269  393,591 372,052 379,006         
lease losses
Total deposits                 $569,198 495,821  464,676 468,798 453,231         
Shareholders' equity           $87,686  87,700   87,138  87,772  87,547          
                                                                                 
RECONCILIATION OF GAAP TO NON-GAAP                                                 
FINANCIAL MEASURES
                              Quarter Ended                                           
                              December   September June 30, March    December         
                               31,        30,                31,      31,
ALLL + Discount / Gross Loans  2013       2013      2013     2013     2012             
Allowance for loan and lease   $5,305   5,129    4,882   5,099   4,875           
losses
Add:Discounts (fair value     $4,442   5,237    7,134   7,631   8,133           
adjustments) onacquired loans
Total ALLL + discounts on      $9,747   10,366   12,016  12,730  13,008          
acquired loans
Gross loans held for
investment + discounts (fair   $542,884 442,635  405,607 384,782 392,014         
value adjustments) on acquired
loans
ALLL plus discounts (fair
value adjustments) on acquired 1.80%      2.34%     2.96%    3.31%    3.32%            
loans as a percentage of total
loans held for investment
                                                                                 
                                                                                 
Tangible book value per common                                                    
share
Total shareholders' equity     $87,686  87,700   87,138  87,772  87,547          
Deduct:Preferred stock        $8,381   8,381    8,381   8,381   8,381           
Common shareholders' equity    $79,305  79,319   78,757  79,391  79,166          
Deduct:Goodwill and other     $15,625  15,716   15,807  15,898  15,989          
intangible assets
Tangible common shareholders'  $63,680  63,603   62,950  63,493  63,177          
equity
Common shares outstanding      10,438    10,471   10,488  10,488  10,488          
Tangible book value per common $6.10    6.07     6.00    6.05    6.02            
share
______________________________                                                    
Allowance for loan and lease losses (ALLL) plus discounts on acquired loans as
a percentage of total loans held for investment and tangible book value per
share are supplemental financial measures that are not required by, or
presented in accordance with, U.S. GAAP.Management believes that ALLL plus
discounts on acquired loans held for investment is meaningful because it is
one of the measures we use to assess our asset quality.Management believes
that tangible book value per common share is meaningful because it is one of           
the measures we use to assess capital adequacy.Set forth above are
reconciliations of each of these non-GAAP financial measures calculated and
reported in accordance with GAAP.Book value is the same as shareholders'
equity presented on our consolidated balance sheets.Our calculations of these
non-GAAP financial measures may not be comparable to the calculation of
similarly titled measures reported by other companies.

CONTACT: Thomas W. Osgood
         Executive Vice President, Chief Financial Officer,
         Chief Administrative Officer, and Treasurer
         (804) 433-2209
         tosgood@xenithbank.com

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