Community Bankers Bank // Annual Report 2014

PA R T N E R S I N YO U R S U C C E S S

2014

YEAR IN REVIEW

And Unaudited Financial Highlights

SHAREHOLDERS Alliance Bank & Trust American Bank American Bank of Huntsville American National Bank & Trust Arthur State Bank Bank @LANTEC Bank of Botetourt

Farmers Bank First and Citizens Bank First Bank First Capital Bank First Carolina Bank First Citizens Bank & Trust Co. First Community Bank, NA

Bank of Clarke County Bank of Greeleyville Bank of Hampton Roads Bank of Lancaster Bank of McKenney Bank of North Carolina Bank of the James Benchmark Community Bank Blue Ridge Bank, SC Blue Ridge Bank, VA Burke & Herbert Bank & Trust Capital Bank, NA Cardinal Bank Carroll Community Bank Cecil Bank Chain Bridge Bank Chesapeake Bank Citizens and Farmers Bank Citizens Bank & Trust Company Citizens Community Bank Citizens National Bank Coastal Carolina National Bank Community Capital Bank of Virginia County First Bank Eagle Bank Essex Bank EVB Farmers & Merchants Bank Farmers & Merchants Bank of Craig County

First National Bank First Reliance Bank First State Bank First United Bank & Trust First Virginia Community Bank FNB Bank, Inc. Four Oaks Bank & Trust Co. Fraternity Federal S&L Assoc.

Fulton Bank, N.A. Grayson National Bank Greer State Bank Heritage Community Bank Highlands Community Bank Highlands Union Bank Jefferson Security Bank John Marshall Bank KS Bank, Inc. Lee Bank & Trust Co. Macon Bank MainStreet Bank MCNB Bank and Trust Co. Miners Exchange Bank Monarch Bank Monument Bank New Horizon Bank, NA New Republic Savings Bank New Windsor State Bank Oak View National Bank Old Dominion National Bank OldTown Bank

Park Sterling Bank Peoples Community Bank Pioneer Bank Premier Bank River Community Bank, N.A. Roanoke Rapids Savings Bank, SSB Sandhills Bank Select Bank Shore Bank SonaBank Surrey Bank & Trust Taylorsville Savings Bank, SSB The Bank of Charlotte County The Bank of Fincastle The Bank of Marion The Bank of Romney The Bank of Southside VA The Commercial Bank The Farmers Bank of Appomattox The Fauquier Bank The National Bank of Blacksburg The Peoples Bank Union First Market Bank United Bankshares Valley Bank Village Bank Virginia Bank & Trust Virginia Commonwealth Bank Virginia Community Bank Virginia National Bank Virginia Partners Bank Washington First Bank West Union Bank Williamstown Bank Yadkin Bank LEGACY SHAREHOLDERS are denoted in bold face

BOAR D O F DI R EC TO RS

E XECUTIVE MANAGEMENT

G. Lyn Hayth, III President & CEO Bank of Botetourt Troutville, VA Chair

William H. McFaddin Past President & CEO Community Bankers’ Bank Midlothian, VA

Howard F. Pisons

Howard F. Pisons President & CEO Community Bankers’ Bank Midlothian, VA

Senior Vice President & CFO

Charles K. Collum, Jr. Executive Officer John Marshall Bank Reston, VA Vice Chair Robert R. Chapman III President & CEO Bank of the James Lynchburg, VA Jerri D. Cowan Owner Human Resources Consultants Richmond, VA Ellis L. Gutshall President & CEO Valley Bank Roanoke, VA Christopher J. Honenberger President & CEO Clearpoint Financial Services, Inc. Richmond, VA

Tom N. Rasmussen President & CEO New Windsor State Bank Taneytown, MD

President & CEO

Stephen R. Kinnier Wendy C. Wright Senior Vice President Operations & IT

Nancy S. Sullivan Senior Vice President & Senior Credit Officer

John E. Stringer President & CEO The Bank of Marion Marion, VA Thomas F. Whaling President & CEO West Union Bank West Union, WV Retired as CBBFC Director and From Bank Dec. 2014 Monte Layman President & CEO Blue Ridge Bank Luray, VA

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O U R VA LU E S At Community Bankers’ Bank, we are committed to the highest standards of ethics and integrity. We are responsible to our shareholders and clients, our strategic partners, and to our employees and their families. In discharging our responsibilities, we do not take professional or ethical shortcuts. Our interactions must reflect the high standards we profess and are expressed by the following core values: EXCELLENCE RESOURCEFUL RELIABLE INTEGRITY

We allow our customers to define quality and strive for excellence in all that we do to exceed expectations.

We are creative in delivering value to our clients, anticipate change, and capitalize on the opportunities that arise.

We display reliability, responsiveness and consistency by delivering what we promised when we promised.

We employ the highest ethical standards and demonstrate honesty and straightforwardness without compromising the truth.

RESPECT

We honor the rights and beliefs of our fellow associates, clients and partners, and treat them with the highest degree of dignity, equality and trust.

TEAMWORK ACCOUNTABILITY

We promote and support a diverse, yet unified, team, and work together to meet our common goals.

We accept individual and team responsibilities to meet our commitments and take ownership of our decisions and actions.

COMMUNICATION BALANCE

We encourage all team members to openly share their opinions and views.

We are flexible and support team members in striking a healthy work and life balance.

P.O. BOX 268 • MIDLOTHIAN, VA 23113 (804) 794-5885 • WWW.CBBONLINE.COM