CKB Newsletter 2022

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