CKB Annual Report 2018

and the ability to deposit checks. We also provide the very best in debit card security , as we offer the SecurLOCK Equip mobile app. This handy app lets you turn your Cross Keys Bank debit card on and off, and monitor its use from the palm of your hand with your smart phone. All of our newly issued cards come with EMV chip technology to provide greater security of your account information. We continue to offer all types of insurance through Cross Keys Insurance Agency and investment opportunities with Cross Keys Investment Services. Lastly, we always provide the personal service that will make the transition of business to Cross Keys Bank from other institutions smooth and easy. There is really no reason why you shouldn’t do all of your banking with Cross Keys Bank ! Our management team, Board of Directors, and staff remain committed to safeguarding your interest. On behalf of our employees and the Board of Directors, we wish you, your family, and friends a healthy and prosperous 2019.

Message to our Shareholders and Customers

Dear Friends,

For the year ended December 31, 2018, BSJ Bancshares, Inc. had total earnings of $4,038,274. Total assets as of that date were $382,864,403, which represents growth of just over eight percent in the last year.

As always, we’d like to remind you that as an owner, you can help to improve the value of your investment by utilizing your bank for all of your business and personal needs as a depositor and as a borrower. We also ask that you encourage your friends and associates to utilize our services. We provide additional value with state of the art technology that gives you quick and easy access to your accounts, and 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 work that gives you both access to your accounts

Sincerely,

Benjamin M. Watson , President, BSJ Bancshares, Inc.

CKB Board of Directors (left to right) Shane Bridges, Darrell VandeVen, Brooks Watson, Ben Watson, Jan Johnston, Kevin Bryan, Michael Vizard, and Bo Shaw Not pictured: Scott Franklin

BSJ Bancshares, Inc. Board (left to right) Tru Goldman, Michael Vizard, Bill Watson, Ben Watson, Becky Vizard, and Scott Watson

pg. 28 Cross Keys Bank 2019