CKB Newsletter 2022

A P U B L I C AT I O N O F C R O S S K E Y S B A N K | S P R I N G 2 0 2 2 | I S S U E 5 5

Cross Keys Bank is a full-service bank founded in 1902 to meet the needs of a growing community. For the past 120 years, service, honor, and integrity have been the guiding principles of Cross Keys Bank, but personal commitment is what sets us apart. We are neighbors and friends who value the traditions that strengthen our communities while embracing the innovations that make life a little more convenient for everyone. From personal deposits, loans, insurance, and mortgage loans, to a full range of business banking products, the friendly professionals at Cross Keys Bank are here for you. Visit any of our convenient locations or call on us if you need help with any of our products. C R O S S K E Y S S e r v i c e , h o n o r a n d i n t e g r

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Our mission is to help our customers succeed. By their success, we will succeed.

Table of Contents Letter From the President .......................................................................................................................................1 Letter From the Chief Executive Officer .........................................................................................................2 Recognizing Employee Promotions ................................................................................................................3 Employee Awards Recognition ...........................................................................................................................5 Recognizing New Employees and Top 20 Under 40 Nominees .....................................................6 Community Involvement .......................................................................................................................................8 Cross Keys Bank Travel Club ..................................................................................................................................9 Community Involvement ....................................................................................................................................10 Community Involvement ....................................................................................................................................11 Community Involvement ....................................................................................................................................12 Message to Our Shareholders and Customers .......................................................................................14 Cross Keys Bank Officers and Directors .......................................................................................................15 Comparative Statement of Condition .........................................................................................................16 Comparative Statement of Earnings ............................................................................................................17

valuable asset, our employees. Each new employee receives onboarding and customized training to prepare them for their new job at CKB. Our Mortgage Department stays busy with homebuyers. Our Insurance Department assists customers with consumer, commercial, and residential needs. Our Cross Keys Bank Building Property Manager coordinates office space rentals and leases while managing our other bank location properties. Our Operations Department includes Compliance, BSA, IT, and eBanking. And at the helm of it all is our distinguished Board of Directors and CEO! Through this collaborative teamwork, we managed to keep all of our operations running smoothly, like a well- oiled machine, throughout the global pandemic. Our theme this year is “Teamwork Makes the Dream Work”! We’re committed to giving you that sense of teamwork every time you walk in, call, text, or email any of our CKB team members.

Letter from the President, Shane Bridges

What a record year we had in 2021!

It’s all about TEAMWORK when you bank at Cross Keys Bank.

Our tellers take care of daily customer business needs, universal bankers open accounts and loan officers look for new consumer, commercial, and agricultural loans. Our Credit Review Department analyzes loan requests, Loan Processing prepares them, and Document Imaging scans all the paperwork into the system.

Our Human Resources Department oversees our most

Shane Bridges , Cross Keys Bank President

Cross Keys Bank 2022 pg. 1

Sure we all have bad days, weeks, and even years, like entering the third year of the COVID-19 pandemic and transitioning into an endemic period that may last a lifetime. Still, at CKB, we managed to turn the lemons of 2021 into the lemonade of high-performance banking by just about any standard, and our customers, employees, and shareholders were all the beneficiaries! 2022 presents the challenges of uncertain economic times as we see the highest inflation rate since the early 1980s. The laws of supply and demand are strongly at play as we experience supply chain problems that exacerbate the ability to keep up with demand. The Federal Reserve has indicated we will see multiple rate hikes this year, and global economic and geopolitical conditions, are all suggestive of our heading into a recession. Yet, with all of the headwinds we face as a nation, as evidenced by our 120 years of service, Cross Keys Bank is well prepared to keep our pledge to help our customers succeed. One thing we all learned from COVID is that the world has rapidly adopted mobile and remote banking convenience. Our response was to offer exciting new enhancements to our repertoire of convenient, virtual banking tools. We will soon introduce you to QUILO (short for “quick loan”), a new consumer loan application you will have at your fingertips on your mobile device and online at www.crosskeys.bank that allows for almost instant approval for qualified applicants. We will also roll out Zelle. Zelle will replace our current P2P mobile payments. Zelle connects banks of all sizes and their customers with a convenient mobile application tool to send money to friends and family. We have ApplePay and will soon have the Apple watch application and the Google and Samsung mobile wallets. To take a line from a very old optimist’s song, “At Cross Keys Bank, we like to accentuate the positive, eliminate the negative …”. The future is exciting, and we are so very thankful for the opportunity to have you become a raving fan!

Letter from the Chief Executive Officer, Michael Vizard

Success, defined, is “the accomplishment of an aim or purpose.” It is also defined, as “the attainment of fame, wealth, or social status.” Regardless, the measure of success depends on the intended objective(s) of achievement. In baseball, a .500 batting average would command the highest pay and be considered incredibly successful, but in banking, a .500 batting average of good loans to bad loans would be an utter failure, and a lender with such an average would not be a lender very long. Batting less than 99% in banking, you will soon feel the ill effects. As it is with most things in life, being well prepared and having the proper tools are important components of a successful team and a successful game plan. We are blessed to have a board of directors and a management team that provides us with the proper training and best tools to make us a high-performance community bank. Cross Keys Bank has a history of 120 years of continuous service to our customers; that may be the greatest measure of our success. The success that comes from the combined efforts of our entire CKB family is what inspired one of our officers to suggest our motivational theme and success mantra for 2022: “Teamwork makes the dream work!” permeates the atmosphere of our bank! Poet, Maya Angelou, wrote: “I’ve (We have) learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel”. Perhaps that best exemplifies the attitude and gratitude of service we bring to our customers, coworkers, and associates. At CKB, we take pride in the fact that we have a motivated team with a winning attitude that

Michael Vizard , Cross Keys Bank CEO

pg. 2 Cross Keys Bank 2022

Michael Vizard , Cross Keys Bank, CEO

Employee Promotions

Pete Hays Market President, Caddo Parish

Pete is native of Shreveport, LA. When he turned 16, he started working as a bag boy at Albertsons. He attended college at LSU-Shreveport while working at Albertsons in order not to take on student loan debt, graduating in May 1998 with a major in Accounting and debt free. After working at Albertsons for 14 years, it was announced in October 2005 that his store was closing and he was laid off. This allowed Pete to make a career change and in March 2006, he started his banking career with Chase Bank in Monroe, LA.

In March 2015, Pete started with Cross Keys Bank as a Vice President, Commercial Lender. In 2020, he managed the SBA’s Payroll Protection Program for CKB. This included staying abreast of the changing government rules being published daily and keeping the lending team informed of these changes. Between 2020 and 2021, CKB provided over 1,250 PPP loans totaling over $75 million dollars in business funding to small business owners. Pete enjoys the outdoors. He loves fishing, golf, tennis, pickle ball and any other sport, as long as he is playing. He and his wife have been married for over 22 years and have two daughters, ages 13 and 16. Pete has an identical twin brother whom he is often being confused with, so he will answer to the name Joe as well as Pete. Pete currently volunteers as a board member and President Elect for the North Shreveport Business Association, a non-profit association with a mission to educate, inform, and provide beneficial services to business and community members and actively represent, promote, and support the business community of North Shreveport.

Taylor Hoffman Loan Officer, Tallulah

Taylor was born and raised in Monroe, Louisiana, where she attended Ouachita Parish High School. She attended the University of Louisiana at Monroe before taking time off to decide which major was best for her. During Taylor’s time at ULM, she was an Alpha Omicron Pi Sorority member. She worked at CenturyLink for three years before coming to Cross Keys Bank. She started at Cross Keys Bank in Monroe as a teller in December of 2015, and from there, Taylor began to gain interest in banking and everything it entails. After her promotion to Universal Banker, she decided to finish her degree. Taylor will graduate in December 2022 with a degree in Business. Her Cross Keys Bank

work family has always encouraged her to do more, so in July of 2020, she took the notary exam and passed. Taylor moved to her husband’s hometown of Tallulah in 2019 and began working at the CKB Tallulah branch. She and her husband married in 2020; they have two dogs, Bayou and Mojo, and a four-year-old son (stepson), Lucas. They enjoy spending time outdoors, whether going to Lake Bruin during the summer with friends and family or hunting and fishing. Taylor is excited to see what the future holds for her at CKB as a new lender.

Marcella Vinson Assistant Vice President, Executive Assistant, St. Joseph

Marcella has been with Cross Keys Bank since 1976. She and her husband Mike live on Lake Bruin. They have three children, Dale (Beth), Erin (Matt), Matt (Cortney) and six wonderful grandkids, Garrett, Taylor Ann, Ashlynn, Matti, Lane and the newest addition JoeLeigh. They are active members of Maryland Baptist Church in St. Joseph. Favorite past times; cooking and shopping with Grans and beaching with the family.

Cross Keys Bank 2022 pg. 3

WELCOME HOME

From your home purchase or refinance, to building your dream home or remodeling, our trusted lenders are with you every step of the way. We can help you find the loan that best suits your needs, and close in less than 30 days.

Conventional

FHA

VA and Rural Development (100% Financing)

Beverly Joiner Senior Vice President Mortgage Loan Officer

Landon Joiner Mortgage Loan Officer

Jeremy Lowe Mortgage Loan Officer

Tammy McKee Mortgage Loan Officer

318.361.9050 NMLS #1713077

318.361.3126 NMLS #1958333

318.698.3246 NMLS #343792

318.361.9050 NMLS #754906

NMLS ID #743038

www.crosskeys.bank

Cross Keys Bank Employee Awards Recognition Unfortunately, this year, due to the pandemic and venue constraints, we could not gather for Employee Day as we have done annually. So, like in 2021, we held a Cross Keys Bank Virtual Employee Day event to recognize the successes of our employees. Years of Service Pins and Awards Each year we recognize employees who have hit milestones in their years of service to Cross Keys Bank. Charlotte Calcote, Josh Copes, William Handy, Baylee Hutchinson, Jeremy Lowe, Wade Matthews, Teri Mays, JoErin Perkins, Brittany Roy, Greg Scallan, Amanda Simms, Keisha Washington, and Skyler Wright celebrated one year of service and received their one-year pins. Kristine Fitts, Tabatha McHenry, Amanda Rushing, Johnny Williams, and KimWilson celebrated five years of service. Amanda Albritton, Bradley Bridges, and Rebecca Keys celebrated 10 years of service. Sam Feldhaus, Walter Hillman, and Brooke Spillars celebrated 15 years of service. Robin McVay celebrated 25 years of service. Michael Vizard celebrated 30 years of service. Marcella Vinson celebrated 45 years of service.

Kristine Fitts

Johnny Williams, Amanda Simms, KimWilson, Baylee Hutchinson, and Walter Hillman

JoErin Perkins, Brittany Roy, Skyler Wright, Bradley Bridges, Jeremy Lowe, and Greg Scallan

Employee of the Year Congratulations to Brooke Spillars for being named our 2021 Employee of the Year! Brooke has been part of our Cross Keys Bank family for over 15 years and

Keisha Washington, Sam Feldhaus, Rebecca Keys, Robin McVay, Wade Matthews, and Tabatha McHenry

currently serves as a Lender at our St. Joseph branch. Brooke is always willing to help; she steps up when you need her, is good with customers, and stands for all of Cross Keys Bank’s values. In her 15 years with Cross Keys Bank, Brooke has shown her commitment to the bank and her customers. She is a lender and a universal banker who helps assist other bankers, and she opens new accounts. Brooke always steps in where needed to assist customers and is quick to help fellow employees at different branches. And if there’s an event in town, she will be there representing Cross Keys Bank every step of the way. She is a genuine Cross Keys Bank representative, and that is why she is our 2021 Employee of the Year.

Michael Vizard, Marcella Vinson, Brooke Spillars, and Amanda Rushing

Charlotte Calcotte, Amanda Albritton, and William Handy

Michael Vizard and Brooke Spillars

Teri Mays

Josh Copes

Cross Keys Bank 2022 pg. 5

New Employees

Amber Holman, Monroe

Chance Albritton, Monroe Jessica Chapman, Monroe

Macy Hughes, West Monroe

MeaganMcDaniel, Tallulah Brooke McManus, West Monroe

Nikki Copeland, Shreveport

Jessica Ezell, St. Joseph

Mallory McVay, Monroe

Megan Hackworth, Monroe

Top 20 Under 40 Nominees Each year, the Monroe Chamber of Commerce, the Northeast Louisiana Young Professionals, and BayouLife Magazine recognize our area’s top 20 under 40 professionals. The Top 20 Under 40 nominees are advancing in their careers, active in the community, and dedicated to making Northeast Louisiana a better place to live and work. Landon Joiner and Wade Matthews received recognition as nominees for the Top 20 Under 40 Professionals Award. Landon currently serves as a Mortgage Loan Officer at our Monroe branch and has been a part of the Cross Keys Bank team for four years. Wade currently serves as a Credit Analyst at our Monroe branch and recently celebrated his first anniversary with Cross Keys Bank in December 2021.

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Call today to arrange a full tour. Babbette Adcock Property Manager 318.361.3132 babs@crosskeys.bank

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Wade Matthews

Cross Keys Bank 2021 pg. 7 In the Mid-City Business District with easy access to I-20 1401 Hudson Lane, Monroe

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Nominimum balance requirement

Nomonthly service charge

Cross Keys Bank mobile capabilities

Visa debit card with SecurLock Equip controls

Person-to-person mobile payments

With our Free Key Checking account, you never have to worry about bank fees again. There is no minimum balance requirement and you don’t have to sign up for e-statements to avoid a service charge. When we say free, we mean FREE!

ICBA LIVE The Independent Community Bankers Of America is the nation’s voice for community banks with its mission to create and promote an environment where community banks flourish. Mandy Smart and Shane Bridges attended ICBA LIVE, the largest annual gathering of community bankers, in San Antonio where they had the opportunity to meet ICBA President & CEO, Rebecca Romero Rainey.

Congresswoman Letlow Ribbon Cutting Congresswoman Julia Letlow hosted a ribbon-cutting ceremony at her new Monroe office. Shelly Harrell, Mandy Smart, and Shane Bridges were proud to attend and show their support for Congresswoman Letlow.

JohnnyWilliams Graduated LBA

Leadership School Johnny Williams from our Rayville branch completed the Louisiana Bankers Association 2021 Leadership School, “Growing our Next Generation of Leaders.” The six-month program included online coursework and five instructor-led sessions focused on developing leadership skills and enhancing knowledge in various areas of banking.

pg. 8 Cross Keys Bank 2022

Cross Keys Travel Club About nine years ago, we formed a partnership with Collette Travel Company to offer guided group travel to our customers and friends. We chose Collette because of their 100-year history of providing excellent service across the world. We like their practice of grouping less than 40 travelers in new Mercedes- Benz coaches. Collette provides an experienced Tour Manager who will be with us for the entire trip. We have now made 15 trips and visited 19 countries. From Canada to Australia, and from Costa Rica to much of Europe, we have enjoyed great experiences. We’ve also seen a lot of the USA, including Alaska, New England, Hawaii, and NewYork City. Our groups have been as large as 26 and as small as six. Many of our travelers have taken multiple trips with us and recruited their relatives and friends. This has resulted in people from Seattle, Albuquerque, St. Louis, Virginia Beach, Houston, Dallas, Ohio, and Florida meeting up with us along the way to new adventures. Many friendships were formed from these mergers and they have continued and strengthened through Facebook. Since Collette travels the world, we have seen the beaches of Hawaii and Normandy, the skyscrapers of NewYork City and London, the rain forests of Costa Rica and the Northern Lights of Iceland, the Canadian Rockies and the Alps. We’ve seen the beauty of the Irish Seacoast and the horror of Auschwitz, the joy of a Times Square Saturday night, and the solemnity of military cemeteries. We’ve seen grizzly bears and kangaroos, whales and quetzals, water buffaloes and koalas, sea lions and Icelandic horses, highland cattle and Howler Monkeys. Due to the experience and excellence of the Tour Managers at Collette, through all of our trips we were never alone, never lost, never late and never, ever hungry. In fact, we’ve had a hot dog in Central Park, poi in Honolulu, haggis in Glasgow, lobster in Cape Cod, lasagna in Rome, escargot in Paris, wiener schnitzel in Innsbruck, sauerbraten in Berlin, fish and chips in London, salmon in Anchorage and, of course, chocolate in Switzerland. The pandemic has grounded us for over two years, but we plan to carefully return to travel when we can safely do so. We have used the down time to improve the quality and variety of our travel options. We’ve added a choice of more free time or an optional guided tour to a venue not on the list. We offer pre-night and post-night hotel rooms to better enjoy the cities where our tours begin and end. And we increased the dining options for group meals, while also providing our popular lunch breaks where diners can choose their own restaurants or sidewalk cafes to truly enjoy the local flavors.

Our next group trip is uncertain at this time, but if you would like to be notified please contact us. Also, if you already have a destination in mind, we can provide information and make reservations through our connections with Collette for any trip that is going where you want to go.

For additional information, just contact Jim Cuthbert.

Jim Cuthbert 318.237.5833 bankerpaw@yahoo.com

2017 Alaska and the Canadian Yukon

2018 Switzerland, Austria, and Bavaria

2019 Amalfi Coast

Cross Keys Bank 2022 pg. 9

LBA Skeet Shoot Fundraiser

Cross Keys Bank put together a team for the Louisiana Bankers Association First Annual Skeet Shoot Fundraiser at Dave’s Bayou Lodge. The money raised benefited the Louisiana Bankers Education Foundation to promote financial literacy in our state.

Pictured: Alan Breithaupt, Web Phelps, Shane Bridges, Michael Vizard, and Bo Shaw.

St. Joseph Back to School Bash In August, our St. Joseph branch enjoyed the beautiful weather at the Back to School Bash on Plank Road. DeShawn Johnson, Robin McVay, and Marcella Vinson helped keep everyone hydrated and passed out goodies. Marcella also took the opportunity to donate blood while she was there!

Healthcare Customer Appreciation Shane Bridges, Johnny Williams, and Walter Hillman (not pictured) delivered treats to Cross Keys Bank healthcare customers to celebrate the care they continue to provide in our communities. At Cross Keys Bank, we appreciate each of the health care offices in the areas we serve and all of their dedicated employees.

pg. 10 Cross Keys Bank 2022

Chamber of Commerce Luncheon It’s always a treat seeing our friend, Congresswoman Julia Letlow, and the Monroe Chamber of Commerce event was no exception! Mandy Smart, Linda Green, and Shelly Harrell enjoyed hearing about her work in Washington to make improvements to our area.

Pilots for Patients Pilot Florence with Pilots for Patients flew from Coushatta to Monroe to pick up patients Dot and Mark and then flew them to Houston for their appointments. Florence has flown over 175 missions since joining Pilots for Patients, and her dedication to the organization shines! Cross Keys Bank is a proud supporter of Pilots for Patients, and we were honored to have the opportunity to sponsor this flight.

ARCO Pumpkin The wonderful folks of ARCO stopped by last fall to give Cross Keys Bank President Shane Bridges, who serves on the ARCO board, this painted pumpkin. They made our day!

Cross Keys Bank 2022 pg. 11

LBA Service Award Louisiana Bankers Association CEO Ginger Laurent presented Marcella Vinson with a LBA Service Award for 45 years of service to the banking industry. Congratulations, Marcella, for this tremendous honor!

No one knows what the future holds, but with proper planning and coverage from Cross Keys Insurance, you can relax knowing that you’re prepared for anything. We represent many excellent insurance carriers to provide products for both personal and business risks. Contact us today at 318.340.0027 to learn more about Commercial Insurance, Personal Insurance and Life & Health Insurance. LIVE YOUR LIFE FULLY COVERED

Chad Monsour Senior Vice President

cmonsour@crosskeys.bank

Rhonda Roberson Customer Service Representative

St. Joseph Trunk-or-Treat Our Cross Keys Bank crew brought a little Spongebob Squarepants to the plank at the Third Annual Community Trunk-or-Treat in Downtown St. Joseph! Brooke Spillars, Jessica Ezell, Mike Thompson, Renee Gossett, Susan Hosea, and DeShawn Johnson from our St. Joseph branch and Destiny Brown from our Rayville branch got into character!

rroberson@crosskeys.bank

MEMBER OF

Cross Keys Bank Building 1401 Hudson Lane, Suite 100 Monroe

Not a deposit • Not FDIC insured • Not insured by any federal government agency • Not guaranteed by “the bank” • May go down in value • Insurance agent may be employed by “the bank” or a third party • The insurance company, and not “the bank” is underwriting the insurance product.

pg. 12 Cross Keys Bank 2022

*ATM located at branch

Monroe* 1401 Hudson Lane, Suite 100 318.361.9500 Newellton* (ATM Only) 3144 Highway 65 318.766.3246

Rayville* 1913 Julia Street 318.728.6380 Shreveport* 4855 Line Avenue 318.698.3246

Sterlington* 167 Keystone Road

Tallulah* 115 North Chestnut 318.574.3210 West Monroe* 400 McMillan Road 318.362.0023

318.665.4511 St. Joseph* 307 Plank Road 318.766.3246