Exhibit 99

Virginia Commerce Bancorp, Inc. Reports Third Quarter Earnings and Performance

ARLINGTON, Va.--(BUSINESS WIRE)--October 24, 2013--Virginia Commerce Bancorp, Inc. (the “Company”), (Nasdaq: VCBI), parent company of Virginia Commerce Bank (the “Bank”), today reported its financial results for the third quarter of 2013.

Third Quarter 2013 Highlights

• Net Income Available to Common Stockholders and Earnings per Diluted Common Share: Net income available to common stockholders totaled $7.0 million, or $0.20 per diluted common share, for the third quarter of 2013. This compares to $7.1 million, or $0.21 per diluted common share, for the third quarter of 2012, and $7.5 million, or $0.21 per diluted common share, for the second quarter of 2013.
• Adjusted Operating Earnings (a non-GAAP measure) Increased: Adjusted operating earnings increased to $7.9 million, or $0.23 per diluted common share, for the third quarter of 2013. This compares to $5.8 million, or $0.17 per diluted common share, for the third quarter of 2012, and $7.7 million, or $0.22 per diluted common share, for the second quarter of 2013.
• Quarterly Return on Average Assets (ROAA) of 0.99% and Return on Average Equity (ROAE) of 10.72%
• Improved Asset Quality: Non-performing assets (“NPAs”) decreased 35.3%, from $59.5 million as of September 30, 2012, to $38.5 million at September 30, 2013, while sequentially decreasing $7.3 million, or 16.0%. Total troubled debt restructurings (“TDRs”) declined $23.1 million, or 51.5%, from September 30, 2012, to $21.8 million at September 30, 2013, and declined $5.1 million, or 19.0%, from June 30, 2013.
• Net Interest Margin Growth: The net interest margin was 3.88% in the third quarter of 2013, compared to 3.62% in the third quarter of 2012. Sequentially, the net interest margin increased six basis points from 3.82% in the second quarter of 2013.
• Capital Strength and Book Value per Common Share Growth: The ratio of tangible common equity (a non-GAAP measure) improved to 9.59% at September 30, 2013, as compared to 8.08% and 8.95% at September 30, 2012, and June 30, 2013, respectively. The book value per common share increased from $7.63 at September 30, 2012, to $7.88 at September 30, 2013. Sequentially, the book value per common share increased from $7.78 at June 30, 2013.

SUMMARY REVIEW OF FINANCIAL PERFORMANCE

Net Income

For the three months ended September 30, 2013, the Company recorded net income available to common stockholders of $7.0 million, or $0.20 per diluted common share, compared to net income available to common shareholders of $7.1 million, or $0.21 per diluted common share, for the three months ended September 30, 2012. The year-over-year decrease was primarily due to a decrease of $1.1 million in net interest income and a $2.9 million decrease in non-interest income, partially offset by a $347 thousand decrease in non-interest expense, a $1.3 million decrease in provision for loan losses and an $861 thousand decrease in provision for income taxes. The Company’s net income available to common stockholders decreased sequentially from $7.5 million, or $0.21 per diluted common share, for the second quarter of 2013, primarily due to a decrease of $539 thousand in net interest income, a $374 thousand decrease in non-interest income and an $827 thousand increase in non-interest expense, partially offset by a $692 thousand decrease in provision for loan losses, and a $538 thousand decrease in provision for income taxes.

For the nine months ended September 30, 2013, the Company reported net income available to common stockholders of $20.5 million, or $0.58 per diluted common share, compared to net income available to common stockholders of $18.3 million, or $0.54 per diluted common share, for the same period in 2012. The year-to-date earnings increase from 2012 to 2013 was attributable to the Company’s repurchase of all of its TARP preferred stock during the fourth quarter of 2012, and related elimination of a $4.1 million effective dividend on preferred stock for the first nine months of 2013, a $6.1 million decrease in the provision for loan losses, an $846 thousand decrease in non-interest expense and a $942 thousand decrease in provision for income taxes, partially offset by a decrease in net interest income of $3.2 million and a decrease in non-interest income of $6.5 million.

Adjusted operating earnings (a non-GAAP measure) for the three months ended September 30, 2013, were $7.9 million, or $0.23 per diluted common share, compared to $5.8 million, or $0.17 per diluted common share, for the same period in 2012. The year-over-year improvement in adjusted operating earnings was largely attributable to the Company’s repurchase of all of its TARP preferred stock during the fourth quarter of 2012, and related elimination of a $1.4 million effective quarterly dividend on preferred stock for the third quarter of 2013, a $1.3 million decrease in provision for loan losses, a $347 thousand decrease in non-interest expense (which includes $1.2 million of merger-related expenses in the third quarter of 2013) and a decrease in provision for income taxes of $861 thousand (with a related tax effect adjustment of ($886) thousand). These items were partially offset by a decrease in net interest income of $1.1 million, a $2.9 million decrease in non-interest income (which includes the impact of gains of $2.1 million generated by the sales of investment securities in the third quarter 2012). On a sequential basis, adjusted operating earnings were up $233 thousand, for the three months ended September 30, 2013, primarily due to a $692 thousand decrease in provision for loan losses and a reduction of $538 thousand in provision for income taxes (with a related tax effect adjustment of $(130) thousand), partially offset by an $827 thousand increase in non-interest expense (which includes a sequential increase in merger-related expenses of $873 thousand) a $539 thousand decrease in net interest income and a $374 thousand decrease in non-interest income. The Company calculates adjusted operating earnings by excluding impairment loss on investment securities, realized gains and losses on sale of investment securities, merger-related expenses, acceleration of the accretion of the preferred stock discount, and certain other non-recurring items from net income available to common stockholders.

Asset Quality and Provision For Loan Losses

Total non-performing assets and loans 90+ days past due declined $19.9 million, or 33.4%, from $59.5 million at September 30, 2012, to $39.7 million at September 30, 2013, and decreased $7.3 million sequentially from $47.0 million at June 30, 2013, as a result of net reductions in loans on non-accrual status of $6.0 million, due to sales of underlying properties and a note sale completed by the Company during the third quarter of 2013. Other real estate owned declined $1.4 million during the third quarter, driven by the sale of a large land parcel located in Prince George’s County, Maryland. As a percentage of total assets, non-performing assets decreased from 1.98% at September 30, 2012, to 1.44% at September 30, 2013, and decreased from 1.66% at June 30, 2013. As of September 30, 2013, the allowance for loan losses represented 1.98% of total loans, compared to 1.92% at both June 30, 2013, and September 30, 2012. The allowance for loan losses covered 137.5% of total non-performing loans as of September 30, 2013, compared to 115.3% and 90.8%, at June 30, 2013, and September 30, 2012, respectively.

As of September 30, 2013, $13.1 million, or 45.7%, of non-performing loans represented acquisition, development and construction (“ADC”) loans; $7.8 million, or 27.3%, represented non-farm, non-residential loans; $2.7 million, or 9.3%, represented commercial and industrial (“C&I”) loans; and $5.0 million, or 17.6%, represented loans on one-to-four family residential properties. As of September 30, 2013, specific reserves of $19.8 million have been established for non-performing loans and other loans determined to be impaired. The Company continues to pursue an aggressive campaign to reduce non-performing and other impaired loans and is implementing and executing various disposition strategies on an ongoing basis. These strategies are dependent upon project completion, permitting, satisfaction of contract contingencies and other factors and in a number of cases represent situations which require longer timeframes to obtain optimal principal recovery.

Included in the loan portfolio at September 30, 2013, are loans classified as troubled debt restructurings (“TDRs”), totaling $21.8 million, a 51.5% decrease from $44.9 million at September 30, 2012. Sequentially, total TDRs decreased $5.1 million from $26.9 million at June 30, 2013, as a result of TDR reductions of $6.2 million during the third quarter of 2013, led by a third-party refinance of a hotel property totaling $5.0 million, partially offset by new TDRs during the third quarter of 2013 totaling $1.1 million. TDRs are performing, accruing loans that represent relationships for which a modification to the contractual interest rate or repayment structure has been granted to address a financial hardship. A significant portion of TDRs were performing prior to modification. These loans make up 1.1% of the total loan portfolio at September 30, 2013, and represent $8.0 million in ADC loans, $9.9 million in non-farm, non-residential real estate loans, $2.5 million in C&I loans and $1.4 million in one-to-four family residential loans. At September 30, 2013, 42.9% of the Company’s TDRs were reviewable TDRs and 57.1% were permanent TDRs. Reviewable TDRs are loans that have been restructured at or will return to a market rate of interest and can include a temporary interest rate modification, partial deferral of interest or principal, or an extension of term. They can return to performing status upon six months of on-time payments following the return to a market rate of interest, but only in the fiscal year following the year of restructure. Permanent TDRs are loans that have been restructured and include a permanent interest rate reduction. They remain in a TDR status until the loan is paid off.

Classified loans were $139.1 million for the quarter ended September 30, 2013, a $43.4 million decrease from $182.5 million at September 30, 2012. Sequentially, classified loans decreased $8.2 million from $147.3 million at June 30, 2013. The quarterly decrease in classified loans was largely due to payoffs received from third-party refinancing of $8.5 million, regular payments and curtailments of $7.5 million, a note sale of $2.8 million and credit upgrades totaling $1.6 million, partially offset by additions to classified loans totaling $11.7 million, substantially concentrated in one relationship of $10.1 million to a government contractor, and secured primarily by real estate.

Provision for loan losses was $1.8 million for the quarter ended September 30, 2013, down $1.3 million, or 41.0%, compared to $3.1 million in the same period in 2012. Net charge-offs were $2.1 million for the three months ended September 30, 2013, compared to $3.4 million and $8.5 million for the quarters ended June 30, 2013, and September 30, 2012, respectively. For the nine months ended September 30, 2013, provision for loan losses totaled $6.2 million, compared to $12.3 million for the prior-year period, with 2013 year-to-date net charge-offs amounting to $8.1 million, compared to $19.7 million in the nine months ended September 30, 2012. The increase in the allowance for loan losses as a percentage of total loans from September 30, 2012, to September 30, 2013, is due to higher specific reserves related to certain credits, partially offset by the decrease in total loans outstanding. As a result, the third quarter analysis of the adequacy of the loan loss reserve indicated that loan loss provisioning of $1.8 million was sufficient to maintain appropriate coverage. The $6.4 million decrease in net charge-offs for the three months ended September 30, 2013, compared to the same period in 2012, was primarily due to net charge-offs of non-farm, non-residential real estate loans decreasing $4.9 million, from $5.5 million in the third quarter of 2012, to $630 thousand in the third quarter of 2013.

Net Interest Income and Net Interest Margin

Net interest income was $25.3 million for the third quarter of 2013 and declined $1.1 million, or 4.2%, from the same quarter last year. The net interest margin increased 26 basis points from 3.62% in the third quarter of 2012, to 3.88% for the same period in 2013. On a sequential basis, the net interest margin was up 6 basis points from 3.82% in the second quarter of 2013. The year-over-year increase in the third quarter net interest margin was mostly due to an improvement in the mix of interest-earning assets and interest-bearing deposits and a reduction in average interest-bearing deposit rates, the impact of which was partially offset by lower average yield on loans. Interest and dividend income decreased $2.5 million on average total interest-earnings assets of $2.62 billion for the three months ended September 30, 2013, compared to interest and dividend income generated by average total interest-earnings assets of $2.94 billion for the same period in 2012. The average rate earned on total interest-earning assets was 4.65% for the third quarter of 2013, as compared to 4.50% for the third quarter 2012, and 4.58% for the second quarter 2013. Interest expense decreased $1.4 million to $5.1 million generated on an average total interest-bearing liability balance of $2.02 billion for the quarter ended September 30, 2013, from $6.5 million generated on an average total interest-bearing liability balance of $2.31 billion for the same period in 2012. The decline in interest expense is mostly attributable to a series of interest rate reductions on interest-bearing deposit products and the continued repricing and run-off of higher cost deposits in the time deposit portfolio. The average rate paid on total interest-bearing liabilities was 1.00% for the third quarter of 2013, as compared to 1.12% for the third quarter 2012, and 0.98% for the second quarter of 2013.

Non-Interest Income

For the three months ended September 30, 2013, the Company recognized $1.8 million in non-interest income, compared to non-interest income of $4.7 million for the three months ended September 30, 2012, and $2.2 million in the sequential quarter. Included in the third quarter 2012 non-interest income was a gain on sale of securities of $2.1 million, while the third quarter of 2013 and the sequential quarter did not include a gain or loss on sale of securities. The Company recognized non-interest income of $6.6 million for the nine months ended September 30, 2013, compared to non-interest income of $13.1 million for the same period in 2012. For the nine months ended September 30, 2012, non-interest income included a gain on sale of securities of $6.0 million, while non-interest income for the nine months ended September 30, 2013, did not include a gain or loss on sale of securities.

Fees and net gains on loans held-for-sale decreased in the third quarter 2013, on a year-over-year basis, by $761 thousand, or 70.3%, and on a sequential quarter basis decreased by $354 thousand, or 52.4%. The decrease can be attributed to a lower volume of mortgage loans originated for sale in the secondary market in response to higher interest rates which decreased refinance activity and a focus on one-to-four family residential loans held in portfolio due to less competitive rates on mortgage products offered by correspondents in the secondary mortgage market. For the nine months ended September 30, 2013, fees and net gains on loans held-for-sale decreased $895 thousand, or 30.7%, compared to the nine months ended September 30, 2012. Income generated by bank-owned life insurance increased $252 thousand and $750 thousand for the three months ended September 30, 2013, and nine months ended September 30, 2013, respectively, compared to the same periods in the prior year. The increase can be primarily attributed to $30.0 million in bank-owned life insurance assets purchased during the second half of 2012 that have contributed to earnings during the nine months ended September 30, 2013.

Non-Interest Expense

Non-interest expense decreased $347 thousand, or 2.3%, from $15.2 million in the third quarter of 2012, to $14.9 million in the third quarter of 2013. Sequentially, non-interest expense increased $827 thousand, or 5.9%, from $14.0 million for the second quarter in 2013. The year-over-year decrease was primarily related to a decrease of $1.1 million in salaries and employee benefits, a decrease of $156 thousand in FDIC insurance premiums, a $235 thousand decrease in other operating expense, partially offset by $1.2 million in merger-related expenses during the third quarter of 2013. The sequential increase was primarily related to an increase of $873 thousand in merger-related expenses.

Investment Securities

Investment securities decreased $64.0 million, or 11.7%, year-over-year to $481.2 million at September 30, 2013, and were down $1.6 million sequentially from June 30, 2013. There was no gain or loss on sale of investment securities during the third quarter 2013. During the third quarter of 2012, the Company sold $26.0 million of investment securities resulting in a $1.6 million realized gain on sale of securities and PreSTL VI was redeemed resulting in a gain of $436 thousand. The investment portfolio contains two pooled trust preferred investment securities with a book value of $5.1 million, and a market value of $1.6 million at September 30, 2013, for which the Company performs a quarterly analysis to determine whether any other-than-temporary impairment exists. The analysis includes stress tests on the underlying collateral and cash flow estimates based on the current and projected future levels of deferrals, defaults, and prepayments within each pool. There was no recorded impairment loss for the three or nine months ended September 30, 2013 and September 30, 2012.

Loans

Loans, net of allowance for loan losses, decreased $83.6 million, or 4.0%, from $2.10 billion at September 21, 2012, to $2.02 billion at September 30, 2013. Non-farm, non-residential real estate loans decreased $68.5 million, or 5.9%; multifamily real estate loans decreased $16.5 million, or 19.0%; C&I loans decreased $11.8 million, or 5.1%; while ADC loans increased $4.3 million, or 1.6%; one-to-four family residential loans increased $7.2 million, or 1.8%; consumer loans increased $1.6 million, or 23.0%; and farmland loans increased $671 thousand, or 13.7%, from September 30, 2012, to September 30, 2013. Sequentially, loans, net of allowance for loan losses, decreased $76.4 million, or 3.6%. The sequential decrease in loans was attributable to a $42.6 million decrease in non-farm, non-residential loans, a $29.7 million decrease in C&I loans, a $1.8 million decrease in ADC loans and a $2.5 million decrease in one-to-four family residential loans. The year-over-year and sequential decreases in non-farm, non-residential real estate and multi-family real estate loans were driven by a highly competitive loan origination environment which drove increased refinancing activity and strategic loan sales and problem loan workouts initiated to improve asset quality. The year-over-year and sequential decrease in C&I loans was attributable to lower borrowing activity due to the impact of sequestration on government contracting sector borrowers and pay downs resulting from problem loan resolution activities.

Deposits

Total deposits at September 30, 2013, were $2.10 billion, a decrease of $117.0 million, or 5.3%, compared to September 30, 2012, with demand deposits increasing $54.6 million, or 14.0%, savings and interest-bearing demand deposits decreasing $71.6 million, or 6.1%, and time deposits decreasing $99.9 million, or 15.4%. As of September 30, 2013, non-interest bearing demand deposits represented 21.2% of total deposits, compared to 17.7% at September 30, 2012. On a linked quarter basis, deposits decreased $84.0 million, or 3.9%, with demand deposits decreasing $20.5 million, or 4.4%, savings and interest-bearing demand accounts decreasing $31.4 million, or 2.8%, and time deposits decreasing $32.0 million, or 5.5%. The reduction in interest-bearing and time deposits has been intentional, resulting from a series of interest rate reductions that continued throughout 2012 and into 2013. As a result of deposit rate decreases and an improving deposit mix, the cost of total interest-bearing deposits and total deposits declined from 0.91% and 0.76%, respectively, for the quarter ended September 30, 2012, and 0.77% and 0.62% for the quarter ended June 30, 2013, to 0.75% and 0.60% for the quarter ended September 30, 2013.

Capital Levels and Stockholders’ Equity

Stockholders’ equity decreased $47.3 million, or 15.2%, from $311.5 million at September 30, 2012, to $264.3 million at September 30, 2013, with a $68.6 million decline from the repayment of TARP preferred stock and a $12.3 million decrease in other comprehensive income, partially offset by net income available to common stockholders of $24.7 million over the twelve-month period and $8.9 million in proceeds and tax benefits related to the exercise of warrants and options. The decrease in other comprehensive income is directly related to the reduction in fair market value of marketable securities resulting from the rise in long term interest rates in the current year. As a result of these changes, the Company’s Tier 1 capital ratio decreased from 16.29% at September 30, 2012, to 15.58% at September 30, 2013, and its total qualifying capital ratio decreased from 17.55% to 16.84% over the same period. Sequentially, the Company’s Tier 1 and total qualifying capital ratios are each up 122 basis points, attributable to net income available to common stockholders of $7.0 million in the third quarter of 2013. The Company’s tangible common equity ratio increased from 8.08% at September 30, 2012, and 8.95% at June 30, 2013, to 9.59% at September 30, 2013. The 151 basis point increase in tangible common equity ratio from September 30, 2012, to September 30, 2013, is primarily due to $24.7 million in retained net income available to common stockholders for the twelve months ended September 30, 2013. Sequentially, the 64 basis point increase in tangible common equity ratio is primarily related to $7.0 million in retained net income available to common stockholders for the third quarter of 2013 and a decrease of $79.9 million in total tangible assets during the third quarter of 2013, partially offset by a decrease of $515 thousand in other comprehensive income.

ABOUT VIRGINIA COMMERCE BANCORP, INC.

Virginia Commerce Bancorp, Inc. is the parent bank holding company for Virginia Commerce Bank, a Virginia state chartered bank that commenced operations in May 1988. The Bank pursues a traditional community banking strategy, offering a full range of business and consumer banking services through twenty-eight branch offices, one residential mortgage office and one wealth management services office, principally to individuals and small-to-medium size businesses in Northern Virginia and the Metropolitan Washington, D.C. area.

On October 17, 2013, the Company’s shareholders approved a merger agreement pursuant to which the Company will be acquired by a subsidiary of United Bankshares, Inc. (“United” and such merger, the “Merger”). On October 21, 2013, the shareholders of United also approved the Merger. The Company and United have received regulatory approval for the Merger from the Virginia State Corporation Commission, but have not yet received regulatory approval from the Board of Governors of the Federal Reserve System. For more information about this Merger, see the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission (the “SEC”) on January 31, 2013, the Company’s Annual Report on Form 10-K filed with the SEC on March 14, 2013, and the registration statement filed by United with the SEC on Form S-4 on May 29, 2013 (and all subsequent amendments thereof and prospectus supplements thereunder).

NON-GAAP PRESENTATIONS

The Company prepares its financial statements under accounting principles generally accepted in the United States, or “GAAP”. However, this press release also refers to certain non-GAAP financial measures that we believe, when considered together with GAAP financial measures, provide investors with important information regarding our operational performance. An analysis of any non-GAAP financial measure should be used in conjunction with results presented in accordance with GAAP.

Adjusted operating earnings is a non-GAAP financial measure that reflects net income available to common stockholders excluding impairment loss on investment securities, realized gains and losses on sale of investment securities, merger-related expenses and certain other non-recurring items. These excluded items are difficult to predict and we believe that adjusted operating earnings provides the Company and investors with a valuable measure of the Company’s operational performance and a valuable tool to evaluate the Company’s financial results. Calculation of adjusted operating earnings for the three months ended September 30, 2013, September 30, 2012, and June 30, 2013, is as follows:

The adjusted efficiency ratio is a non-GAAP financial measure that is computed by dividing non-interest expense excluding merger-related expenses, by the sum of net interest income on a tax equivalent basis, and non-interest income excluding realized gains and losses on sale of investment securities, merger-related expenses and certain other non-recurring items. We believe that this measure provides investors with important information about our operating efficiency. Comparison of our adjusted efficiency ratio with those of other companies may not be possible because other companies may calculate the adjusted efficiency ratio differently. Calculation of the adjusted efficiency ratio for the three and nine months ended September 30, 2013 and 2012 is as follows:

The tangible common equity ratio is a non-GAAP financial measure representing the ratio of tangible common equity to tangible assets. Tangible common equity and tangible assets are non-GAAP financial measures derived from GAAP-based amounts. We calculate tangible common equity for the Company by excluding the balance of intangible assets and outstanding preferred stock issued to the U.S. Treasury from total stockholders’ equity. We calculate tangible assets by excluding the balance of intangible assets from total assets. We had no intangible assets for the periods presented. We believe that this is consistent with the treatment by regulatory agencies, which exclude intangible assets from the calculation of regulatory capital ratios. Accordingly, we believe that these non-GAAP financial measures provide information that is important to investors and that is useful in understanding our capital position and ratios. However, these non-GAAP financial measures are supplemental and are not substitutes for an analysis based on a GAAP measure. As other companies may use different calculations for non-GAAP measures, our presentation may not be comparable to other similarly titled measures reported by other companies. Calculation of the Company’s tangible common equity ratio as of September 30, 2013, September 30, 2012, June 30, 2013 and March 31, 2013 is as follows:

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This press release contains forward-looking statements within the meaning of the Securities and Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Company operations and policies, including but not limited to potential benefits and impacts of a merger between the Company and United Bankshares, Inc., our outlook on earnings, including our future net interest margin, and statements regarding asset quality, our loan and investment security portfolios, our deposit portfolio and anticipated changes to our deposit costs and balances, projected growth, capital position, capital strategies, our plans regarding and expected future levels of our non-performing assets, business opportunities in our market and other strategic initiatives or transactions, and general economic conditions. When we use words such as “may”, “will”, “anticipates”, “believes”, “expects”, “plans”, “estimates”, “potential”, “continue”, “should”, and similar words or phrases, you should consider them as identifying forward-looking statements. These forward-looking statements are not guarantees of future performance. These statements are based upon current and anticipated economic conditions, nationally and in the Company’s market, interest rates and interest rate policy, competitive factors, and other conditions which by their nature, are not susceptible to accurate forecast, and are subject to significant uncertainty. Because of these uncertainties and the assumptions on which this release and the forward-looking statements are based, actual future operations and results may differ materially from those indicated herein. Readers are cautioned against placing undue reliance on any such forward-looking statements. The Company’s past results are not necessarily indicative of future performance. For additional information regarding factors that could affect the Company's operations and results, see the Company’s Annual Report on Form 10-K for the year ended December 31, 2012, and other reports filed with and furnished to the Securities and Exchange Commission, and the registration statement filed by United with the SEC on Form S-4 on May 29, 2013 (and all subsequent amendments thereof and prospectus supplements thereunder).

Classes of total loans by risk rating as of September 30, 2013, are summarized as follows (dollars in thousands):

Classes of total loans by risk rating as of September 30, 2012, are summarized as follows (dollars in thousands):

Classes of total loans by risk rating as of June 30, 2013, are summarized as follows (dollars in thousands):

Classes of total loans by risk rating as of March 31, 2013, are summarized as follows (dollars in thousands):

CONTACT:
Virginia Commerce Bancorp, Inc.
Mark S. Merrill
Chief Financial Officer
703-633-6120
mmerrill@vcbonline.com