BSJ Bancshares, Inc. & Cross Keys Bank 2015 Annual Report

Cross Keys Bank

| 2015 Annual Report

Message to Our Shareholders, Customers and Friends

Message to our Shareholders:

For the year ended December 31, 2015, BSJ Bancshares, Inc., had total earnings of $4,347,815, representing earnings per share of $12.76. At year-end 2015, we had total assets of $320,800,807 and have come a long way (nearly a hundred fold) from the $3,457,119 in total assets that the bank had when our former Chairman, William “Bill”Watson, began his career at the bank in June of 1958. Once again, we remind our shareholders, the owners of the bank, that you can help to improve the value of your investments by utilizing your bank for all of your business and personal needs, as depositors and borrowers. We also ask that you encourage your friends and associates to utilize our services. Our network of locations and state of the art technology gives you quick and easy access to your accounts from the convenience of your home, office, or wherever you may be. We have a top notch lending team that actively seeks loans to financially sound borrowers. Our Mortgage Department is capable of providing residential property financing just about anywhere. Through our CKB Mobile Banking App, we provide you with a virtual branch at home and at work that gives you both access to your accounts and the ability to make mobile deposits. We also provide the very best in debit card security. Our newly issued cards come with EMV chip technology, which is automatically added to replacements for expiring cards. Cross Keys Bank is also an approved provider of Apple Pay, a digital payment solution. As always, we continue to offer insurance through Cross Keys Insurance and investment opportunities with INVEST through Cross Keys Investment Services. We know there is some paperwork involved in moving business that you may have established elsewhere, but we will do everything possible to make the transition smooth and easy. So there is really no reason why you shouldn’t do all of your banking with your bank! As always, our management team and Board of Directors remain committed to safeguarding your investment. On behalf of our employees and the Board of Directors, we wish you, your family and friends a healthy and prosperous 2016.

BenWatson, President/CEO, BSJ BANCSHARES, INC.

Michael Vizard, Chairman/CEO, CROSS KEYS BANK

Sincerely,

BenWatson, President/CEO, BSJ BANCSHARES, INC.

Michael Vizard, Chairman/CEO, CROSS KEYS BANK

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