1.
XENITH BANKSHARES, INC.
CORPORATE PROFILE
& FACT BOOK
June 2014

2. 2
EXECUTIVE SUMMARY
DATA AS OF 6.23.2014 Source: SNL Financial
Stock Price 6.26$ Average Trading Volume 8,208 (12 Months)
YTD Price Change 22.27% Market Capitalization 65.4$ MM
52 Week High 6.40$ Price to LTM Earnings 39.1
52 Week Low 5.12$ Price / Tangible Book 101%
Xenith Bankshares, Inc. (Nasdaq:XBKS), through its wholly-owned subsidiary,
Xenith Bank, provides business-focused banking services to customers in Virginia’s
three largest markets – Northern Virginia (which is part of the Greater Washington, D.C.
area), Richmond and Hampton Roads. According to U.S. Department of Commerce and
the Census Bureau, these markets generate more than 75% of Virginia’s GDP and
have a combined population of more than 9 million people.
Xenith’s headquarters in Richmond is located in between Northern Virginia and
Hampton Roads and provides centralized and efficient operating leverage to support
the Company’s market penetration strategy. Serving three unique markets offers
geographic and economic diversity, access to large numbers of potential customers, a
variety of expansion opportunities, and the ability to build diversified loan and deposit
portfolios.
Since its inception through merger in 2009, Xenith has grown organically and through
acquisitions. The Company’s Management and Board of Directors have
demonstrated strong leadership and the ability to create a viable franchise during a
difficult banking climate and slowly recovering economic environment.
Xenith targets the banking needs of middle-market and small businesses, local real
estate developers and investors, private banking clients, and select retail banking
clients. The Company has a prudent growth strategy to build a strong regional bank
that maximizes value for shareholders.
Management believes the following factors are among those that support Xenith’s
strategy:
 Strong capital position to support asset growth,
 Focus on middle-market and small businesses needing high-level banking solutions
and capabilities – a market segment that Management believes is underserved by
the largest and smaller financial institutions in its markets,
 Competitive technology platform and product offering,
 Continued investment in experienced relationship managers and credit personnel to
drive organic revenue growth,
 Expertise in serving specific categories and customer types, such as lending to
government contractors (which offers competitive advantages and growth
opportunities, especially in the Greater Washington, D.C. market),
 Proven ability to effectively acquire and integrate banks, and
 Investment in systems, credit and enterprise risk management, and professional
personnel to support a substantially larger and growing organization.

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3
XENITH YEAR-OVER-YEAR STOCK % PRICE CHANGE
0%
10%
20%
30%
6.23.2013 8.23.2013 10.23.2013 12.23.2013 2.23.2014 4.23.2014 6.23.2014
XBKS KBW Bank Index
Unlike many banks that rely heavily on real estate lending, Xenith ended 2013 with 46%
commercial and industrial loans and 32% commercial real estate loans, with the
balance of its portfolio consisting of residential and consumer loans, including federally
guaranteed student loans. From a credit risk management standpoint, loan exposure is
based on loan type, collateral quality and risk rating. Xenith’s house lending limits are
well below the Bank’s legal lending limits.
The Bank offers leading edge treasury management capabilities, including online
banking, ACH and wire services, along with local customer service teams to provide
support and advice.
The Bank has an asset-sensitive balance sheet, which Management believes best
positions the Bank in a rising interest rate environment.
LOAN AND DEPOSIT GROWTH
TOTAL LOANS ($ MILLIONS) TOTAL DEPOSITS ($MILLIONS)
-
100
200
300
400
500
600
2010 2011 2012 2013
-
100
200
300
400
500
600
2010 2011 2012 2013

4.
4
LOANS HELD FOR
INVESTMENT MIX DEPOSIT MIX
December 31, 2013 December 31, 2013
TOTAL LOANS ($ MILLIONS) TOTAL DEPOSITS ($MILLIONS)
46%
32%
4%
1%
17%
C&I Loans
CRE Loans
RRE Loans
Consumer
Guaranteed Student Loans
43%
36%
20%
1%
Demand & Money Markets
Time Deposits
Non-Interest Demand
Savings Deposits
The Bank’s senior management team has significant depth and breadth of experience,
and all had successful careers at larger banking institutions prior to their Xenith tenure.
Xenith is structured with three market presidents that provide sales leadership and
operational oversight. The Company has invested in experienced bankers and support
staff to drive growth. It has also invested in credit and enterprise risk management
expertise and systems to ensure growth is prudent and aligned with sound industry
practices.
INVESTMENT APPEAL
• Consistent asset, loan, deposit and earnings growth
• Competent, experienced lenders capturing market share
• Proven ability to acquire and integrate banks and drive performance
• Mix of loans and deposits that reflect core strategy
• Significant market share opportunity in all target markets, particularly the Greater
Washington, D.C. region
• Infrastructure in place to support a substantially larger bank
• Experienced management with bank and public company experience that
provide high-quality leadership and governance
• Attractive stock valuation

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5
FINANCIAL HIGHLIGHTS
METRIC
NET INCOME (000s)
DILUTED EPS
BOOK VALUE PER SHARE
TOTAL LOANS, NET (000s)
TOTAL ASSETS (000s)
TOTAL DEPOSITS (000s)
NET INTEREST MARGIN
EFFICIENCY RATIO
TIER 1 CAPITAL RATIO
TOTAL RISK BASED CAPITAL RATIO
NPAs/ASSETS
2013
$1,986
$0.18
$7.60
$536,500
$679,896
$569,198
3.89%
81%
13.35%
14.42%
0.59%
2012
$7,379
$0.70
$7.55
$459,873
$563,206
$453,231
4.47%
80%
15.39%
16.52%
0.95%
DEMONSTRABLE PERFORMANCE IMPROVEMENT AND GROWTH IN
TOTAL ASSETS, LOANS, AND DEPOSITS YEAR-OVER-YEAR
Xenith’s net income was $2.0 million, or $0.18 per common share, for the year ended
December 31, 2013 compared to $7.4 million, or $0.70 per common share, for the year
ended December 31, 2012. Net income in 2012 included the reversal of a valuation
allowance on Xenith’s deferred tax asset. As a result of increased lending activity, net
interest income increased to $22.1 million for the year ended 2013, compared to $22.0
million for the year ended 2012. Management believes year-over-year earnings growth
and other income statement and balance sheet gains demonstrate the ability to build
value.
Xenith’s total assets increased 21% to $679.9 million at December 31, 2013, compared
to $563.2 million at December 31, 2012. Loans at year-end 2013, including guaranteed
student loans, were $536.5 million compared to $459.9 million at year-end 2012. Loan
totals reflect growth in organic lending activities and the purchase of guaranteed
student loans, which the Bank began purchasing during the third quarter of 2013.
Loans held for investment, net of allowance for loan and lease losses, at December 31,
2013 were $533.1 million compared to $379.0 million at year-end 2012, and loans held
for sale were $3.4 million at December 31, 2013, compared to $80.9 million at year-end
2012.
In the third quarter 2013, Xenith began purchasing rehabilitated student loans and
ended 2013 with $94 million of guaranteed student loans (17% of total loans), which
are classified as loans held for investment. These loans carry a nearly 98% guaranty
of principal and interest by a guarantee agency and are reinsured by the U.S.
Department of Education.

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6
Total deposits increased to $569.2 million in 2013, up 26%, compared to $453.2 million
at year-end 2012, reflecting significant growth in both interest bearing and non-interest
bearing deposit accounts that provide cost effective sources of funding for expanding
loan activity.
The Company’s capital 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%.
The Company’s two 2011 acquisitions were fully integrated by early 2012, and the Bank
has made significant strides toward resolving the classified and criticized loans primarily
acquired in its FDIC-brokered acquisition of Virginia Business Bank. As a result of a clear
focus on resolving the classified and criticized loans acquired, Xenith’s nonperforming
assets as a percentage of total assets declined to 0.59% at year-end 2013 compared to
0.95% at year-end 2012. The Company’s provision for loan and lease losses was $1.5
million in 2013 compared to $1.8 million in 2012. The Bank provisions for guaranteed
student loans only on the portion of carrying value in these loans that is not subject to
federal guaranty.
STRONG ASSET QUALITY TREND
($ THOUSANDS)
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
2010 2011 2012 2013
Non‐Performing Loans Other Real Estate Owned Net Charge Offs
The Bank’s allowance for loan and lease losses to non-accrual loans was 138.8% at
December 31, 2013, compared to 96.2% at December 31, 2012. The Bank’s allowance
for loan and lease losses was 0.99% of total loans held for investment at December 31,
2013. The allowance for loan and lease losses does not include fair value adjustments
on acquired loans of $4.4 million, which when added to the allowance would result in
1.80% as a percentage of loans held for investment at December 31, 2013.

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7
THREE DIVERSE MARKETS DRIVE OPPORTUNITY
GREATER
WASHINGTON, D.C.
RICHMOND, VA
VIRGINIA
HAMPTON
ROADS, VA
The Greater Washington, D.C. market offers significant potential to serve government
contractors, trade associations, and service and communications firms that serve the
needs of the federal government and the local economy. It is one of the nation’s
strongest and most vibrant markets. With a population exceeding 6 million people, it is
one of the nation’s most populated metropolitan regions and also one of the country’s
largest economic regions, with gross regional product exceeding $450 billion, according
to the Greater Washington, D.C. Chamber of Commerce. Government-related activity is
one of the area’s leading drivers of business and has helped fuel the area’s leadership in
technology, communications and information, network and computer systems,
aerospace, and defense.
The Greater Washington, D.C. area is also a center for alternative energy development
and energy efficiency solutions, biotechnology and life sciences, engineering, health
services, and higher education. The area’s economy has consistently grown at rates well
in excess of the national economy and has a highly educated and affluent workforce.
The Greater Richmond metro area, Xenith’s centrally-located home base, offers the
opportunity to leverage the bank’s strength to build market share. With a population
of more than 1.2 million people, the Richmond metro area is the third largest in
Virginia, behind the Greater Washington, D.C. and Greater Hampton Roads regions,
according to the U.S. Census Bureau. Richmond is the capital of the Virginia. In
addition to a strong service economy supporting the region’s governmental and
judicial activities, the area has a mix of biotechnology and medical research,
education, finance, and insurance enterprises.

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Greater Hampton Roads is an attractive, diversified market with a wide variety of
business sectors, including military, ports, ship building and repair, and transportation
and related warehousing. The metropolitan statistical area includes counties in Virginia
and North Carolina and has a population of approximately 1.7 million people, according
to the latest U.S. Census Bureau information. The Greater Hampton Roads area has the
largest number of military bases and military facilities in the world. Further, the continual
movement of government and military employees contributes to an active retail,
multifamily housing and commercial construction business supporting their needs.
Located on one of the East Coast’s largest harbors, the area also supports
transportation-related capabilities such as distribution, warehousing, and manufacturing.
COGENT EXPANSION STRATEGY
PRUDENT ACQUISITIONS
ORGANIC GROWTH IN DIVERSE MARKETS
PROVEN COMMERCIAL LENDING EXPERTISE
Xenith’s Management recognizes that today’s banking environment presents
increasingly difficult strategic challenges to many banks. Access to capital, regulatory
oversight, credit quality, profitable growth, and leadership are all issues that, when
combined, make for an uncertain future. While there is certainly some gap between
buyers’ and sellers’ price expectations, Management believes the Company is
positioned to consider strategic merger and acquisition opportunities involving
financial institutions that have sound books of business but limited growth
opportunities due to capital constraints and scale needed to be competitive in the long
term. In such instances, combinations can generate growth opportunities and
efficiencies. Xenith’s Management actively evaluates the competitive landscape for
institutions that can complement Xenith’s long-term strategy.
On March 20, 2014, the Company entered into a merger agreement with Colonial
Virginia Bank (“CVB”), pursuant to which CVB will be merged with and into the Bank.
CVB operates two full-service branches in the Gloucester, Virginia area and one loan
production office in Yorktown, Virginia, all within the Company’s target markets.
As of December 31, 2013, CVB reported total assets of $114.9 million, net loans of
$71.4 million, total deposits of $99.5 million, and shareholders’ equity of $12.1 million.
Under the terms of the merger agreement, each share of CVB common stock
outstanding immediately prior to the effective time of the CVB merger will be converted
into the right to receive 2.65 shares of Xenith Bankshares common stock without
interest and less applicable amounts for taxes. There will be no cash transferred in
the transaction, with the exception of the purchase of fractional shares.
The Federal Reserve Bank of Richmond, acting on delegated authority from the Board
of Governors of the Federal Reserve Bank and the Bureau of Financial Institutions of
the Virginia State Corporation Commission, has granted the approvals necessary for
the merger. On June 12, 2014, the shareholders of CVB approved the merger. The
completion of the merger remains subject to other customary closing conditions and is
expected to be completed on June 30, 2014.

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9
To support organic growth, Xenith continues to seek out experienced and proven
bankers. Bankers are compensated based on a scorecard that includes both loan
(including credit quality) and deposit growth, along with meeting the needs of existing
relationships. Management believes the Bank has a work environment that allows
bankers and other professionals to develop individualized solutions that meet customer
needs and distinguish the Bank.
MANAGEMENT & DIRECTORS: EXPERIENCE, LEADERSHIP
As Xenith has navigated the challenging environment of the last several years, its
Management and Board of Directors has demonstrated the ability to execute on the
Company’s strategic vision and recognize the changing banking landscape, while
maintaining the flexibility to take advantage of opportunities arising in that environment.
T. Gaylon Layfield III, President and CEO, has nearly three decades of banking
experience. Prior to the formation of Xenith, he served as President and COO of Signet
Banking Corporation (a $12 billion asset regional bank), a position he held from 1996
until Signet’s acquisition by First Union Corporation (now Wells Fargo & Co.) in 1997.
Previously, he served as Senior EVP and as head of Signet’s retail and commercial lines
of business, regional management and international banking.

10.
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Thomas W. Osgood, EVP, CFO and Chief Administrative
Officer, has nearly 25 years of banking experience and almost 10
years as an entrepreneur and business owner. From 1998 until
joining Xenith, he was EVP of East Coast Fire Protection, Inc., a
firm he helped to grow into one of the largest fire protection firms
in the United States. Prior to that, Mr. Osgood was with Signet
Banking Corporation from 1983 until its acquisition by First Union
in 1997. While at Signet, he served in multiple roles, including
Managing Director of Investment Banking and SVP in Credit Risk
Management. He began his career with Wachovia Bank in 1978.
Wellington W. “Chris” Cottrell, III, EVP and Chief Credit
Officer, has 30-plus years of banking experience. Prior to joining
Xenith, he served as Managing Director of Risk Management in
the Corporate and Investment Banking Group at SunTrust Bank, a
position he held from 2000 through 2008, and before that was a
Risk Manager in SunTrust’s Corporate and Investment Bank. Prior
to SunTrust, he was SVP and Risk Manager for the Corporate
Banking Group of Crestar Bank.
Ronald E. Davis, EVP and Chief Operations and Technology
Officer, has more than 30 years of banking experience. Prior to
joining Xenith, he was President and CEO of Virginia Heartland
Bank and then its successor, Second Bank and Trust (part of
Virginia Financial Group), and President and CEO of Metro
County Bank, a de novo bank in Richmond. He previously held
positions with First Union National Bank, Signet Banking Corpo-
ration, including corporate banking and credit risk management,
Citizens and Southern National Bank, and National Bank of
Commerce in Lincoln, Nebraska.
Edward H. Phillips, Jr., EVP and Chief Lending Officer,
has more than 20 years of experience in banking. Prior to joining
Xenith, he served as SVP and Regional Corporate Banker for
BB&T, a position he held from 2004 until 2008, and before that
was SVP and Commercial Relationship Manager from 2000
until 2003. He previously served in various capacities at Bank
of America, Wachovia and Central Fidelity.
W. Jefferson O’Flaherty, EVP, Private Banking, has more
than 33 years of banking experience. Prior to joining Xenith,
he served as Regional Managing Director of Wachovia Wealth
Management for Wachovia Bank (now Wells Fargo & Co.) from
2001, when First Union Bank merged with Wachovia Corporation,
until December 2007. Mr. O’Flaherty’s responsibilities included
leading the private banking and wealth strategies for the Rich-
mond, Charlottesville, Lynchburg, and Roanoke markets. From
November 1997 to 2001, Mr. O’Flaherty served as Managing
Director with First Union Bank. He began his career with Bank
of Virginia in 1974 and served in various capacities, culminating
in his role as SVP and Manager of Private Banking for Signet
Banking Corporation, which was acquired by First Union in 1997.
Michael E. Keck, EVP and Richmond Market President, has
been in banking and commercial finance for more than 30 years
in the Richmond market. He previously worked for Paragon
Commercial Bank. Prior to joining Paragon, he was with Bank
of America for over 20 years where he served as SVP in various
middle market commercial banking roles.
Joseph B. Humphries, EVP and Greater Washington, D.C.
Market President, is a commercial finance professional with
30-plus years of experience, primarily in the Washington, D.C.
area. Prior to joining Xenith, he was EVP and Senior Lending
Officer at Access National Bank. He also helped start and build
Potomac Bank of Virginia and served as Potomac’s EVP and
Senior Lending Officer. He began his career at First and Mer-
chants Bank and successors (now Bank of America) and was
with Wachovia Bank for a number of years.
C. Dixon Wallace, Jr., EVP and Commercial Real Estate
Line of Business Manager, has nearly 30 years of commercial
banking experience with a primary concentration in commercial
real estate. Prior to joining Xenith in 2008, he served as SVP
in the Richmond office of the Real Estate Finance Division of
Wachovia Bank (now Wells Fargo & Co.) and its predecessor
Central Fidelity Bank, which he joined in 1987. Previously, he was
with BB&T in North Carolina and served in various banking roles.
James R. A. (Bob) Stanley, Jr., SVP and Suffolk Market
President, has over 25 years of banking experience. Prior to
joining Xenith, he served as EVP and Chief Credit Officer of
SuffolkFirst Bank, a position he held since the bank’s founding
in 2002. He was with First Virginia Bank and one of its acquired
banks, James River Bankshares / Bank of Suffolk from 1993
through 2002, serving in a variety of management positions,
including senior roles in commercial lending. He began his career
with First American Bank of Virginia.
Bill J. Callaghan, SVP and Chief Technology Officer, has
30-plus years of experience in the banking industry. Prior to
joining Xenith, he served as Chief Information Officer at C&F
Financial Corporation, a position he held from 2004 through
2008. Prior to that, Callaghan spent seven years in Pennsylvania
and Maryland, working for several financial institutions in senior
management roles responsible for managing Operations and
Technology areas. He spent 17 years in banking in California; his
primary employer during this time was California Bancshares, Inc.
Linda D. Majikes, SVP, Human Resources and Facilities,
served as a Human Resources, Strategy, and Project
Management consultant from 1998 until joining Xenith in 2008.
Prior to that, Ms. Majikes was with Signet Banking Corporation
from 1982 until its acquisition by First Union in 1997 (now Wells
Fargo & Co.). While at Signet, she served in multiples roles,
culminating in her role as SVP of Physical Resource Manage-
ment, which included facilities, property, and construction
project management.

11.
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Judy C. Gavant, SVP and Controller, joined Xenith in August
2010. Prior to joining Xenith, she held the positions of Director,
Finance-Corporate and Business Development and Director and
Assistant Controller at Owens & Minor, Inc. (OMI), a FORTUNE
300 company and Director of Finance and Controller for Tredegar
Film Products, Inc., a wholly-owned subsidiary of Tredegar Cor-
poration (TG). Prior to this, Ms. Gavant was CFO of Envera LLC,
an industry-owned start-up that provided web-enabled supply
chain services for the chemical industry, and held various roles in
the areas of taxation and mergers, acquisitions and divestitures
at Dominion Resources, Inc. (D), a FORTUNE 200 company, and
Assistant Treasurer of Dominion Energy, Inc., a wholly-owned
subsidiary of Dominion Resources, Inc. She served in the audit
and tax practices of PricewaterhouseCoopers LLP.
DIRECTORS
Thomas G. Snead, Jr. is the Chairman of the Board of Directors
of Xenith Bankshares. He is the former President and CEO of
Wellpoint, Inc., Southeast Region, and previously served as President
of Anthem Southeast, a subsidiary of Anthem, Inc., and Chairman
and CEO of Trigon Healthcare, Inc., a managed healthcare company.
Snead served on the board and as Chairman of LandAmerica
Financial Group Inc., and currently serves on the Board of Directors of
CSA Medical, Inc., a medical device company, as well as several
community organizations, including ChildFund International, The
Community Foundation, and the Virginia Commonwealth University
School of Business School Foundation.
T. Gaylon Layfield, III, Director, is President and CEO of
Xenith Bankshares.
Larry L. Felton, Director, was the Chairman of First Bankshares,
Inc. and SuffolkFirst Bank prior to the 2009 merger with Xenith.
Felton previously served as VP, CFO, and Operations Officer of
Angus I. Hines, Inc. (a petroleum distributor and convenience
store chain operator).
Palmer P. Garson, Director, is Managing Director of
Silvercrest Asset Management Group LLC, a wealth
management and investment banking company. Previously,
Garson served as Managing Director of Cary Street
Partners, a wealth management and investment banking
company, and co-founded and served as Managing Partner
of Jefferson Capital Partners, a private equity firm. She has
also worked for Morgan Stanley & Co., A.G. Edwards, and
Mellon Bank.
Patrick D. Hanley, Director, was the SVP and CFO of Overnite
Corporation through its transition from a subsidiary of Union Pacific
Corporation to a public company and subsequent sale to UPS. He is
currently engaged in consulting, private equity investing, and as an
active board member with a number of civic and philanthropic
organizations. He also serves on the Board of Directors of NewMarket
Corporation (NYSE).
Peter C. Jackson, Director, was a Director of First Bankshares,
Inc. and SuffolkFirst Bank prior to the 2009 merger with Xenith.
Since 1999, he has been President of Jackson Real Estate, a real
estate investment company.
Michael A. Mancusi, Director, is a Managing Director in the
Forensic and Litigation Consulting practice of FTI Consulting LLC,
a global business advisory firm that provides consulting solutions
to a wide range of industries, including banking and financial
services companies. In 1986, he co-founded The Secura Group
where he served as Managing Director and CEO from 1993 to
2007, when the firm was acquired by LECG, LLC, which later sold
the firm to FTI Consulting LLC in March 2011. Prior to co-founding
The Secura Group, Mancusi spent 18 years with the Office of the
Comptroller of the Currency (OCC) as an examiner and senior
policy maker. He was a member of the Comptroller’s policy group,
the OCC’s Senior Management Committee.
Robert J. Merrick, Director, was Chief Investment Officer of
MCG Capital Corporation (MCG), which provides capital to
support the growth and value creation strategies of small- to
mid-sized companies. He was also on MCG’s Board of Directors.
Previously, he served as EVP and Chief Credit Officer of Signet
Banking Corporation.
Scott A. Reed, Director, is a Principal and Founder of BankCap
Partners. Previously, he served as SVP at Carreker Corporation, a
publicly traded bank-focused financial technology company. Prior
to that, he worked in the Financial Institutions Group at Bear,
Stearns & Co. Inc., and as a management consultant with Bain &
Company.
Mark B. Sisisky, Director, is currently a Managing Director of
Heritage Wealth Advisors, an investment management advisory
firm. He also serves as Managing Partner and Chief Investment
Officer of New Dominion of Virginia LLC, an active investment
partnership. Prior to that, he was a Managing Director of Caprin
Asset Management, a registered investment advisor specializing in
the management of fixed income portfolios. Previously, he served
for 14 years as President and CEO of Lee Distributing Co., Inc., an
Anheuser-Busch wholesaler, serving Southside Virginia.

12.
Investor Relations Contact:
Thomas W. Osgood
Chief Financial Officer
Xenith Bankshares, Inc.
901 E. Cary Street, Suite 1700
Richmond, Virginia 23219
Phone: (804) 433-2209
tosgood@xenithbank.com
FORWARD-LOOKING STATEMENTS
All statements other than statements of historical facts contained in this document are forward-
looking statements. Forward-looking statements made in this document reflect beliefs, assump-
tions 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, 2013. 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.