Cross Keys Bank Winter Newsletter - BSJ Bancshares, Inc. & Cross Keys Bank 2013 Annual Report

A P U B L I C A T I O N O F C R O S S K E Y S B A N K | W I N T E R 2 0 1 3 | V O L U M E 1 | I S S U E 4 6

Letter from

The President

2013 was another challenging year for our country. It was also filled with personal sorrow from the passing of my father, Tony Vizard, and my mother-in-law, Ruth Harper Watson. Several of our employees lost family members as well. Though we are sad that they are no longer with us, we pause for a moment to remember them and all of our friends and loved ones who are departed, and we are grateful that they remain with us in spirit. You will notice that this is a new format for our newsletter in that we have included a section for our Annual Report of Condition (unaudited for the most recent year). In the past the Annual Report was a separate publication, but this way you can learn a little more about the bank and our employees, products, and services. And more importantly, feel secure in the knowledge that we are stronger than ever. You can also see this and previous publications on our web site at www.crosskeysbank.com .

With 2014 underway, all of us at Cross Keys Bank will be working to make it a great year for you. The theme of our annual employee day this year was, “The Best Employees are Like Four Leaf Clovers; Hard to Find and Lucky to Have.” It was easy to adopt an even more apropos message as illustrated on the cover page of this issue. THE BEST CUSTOMERS are like FOUR LEAF CLOVERS; HARDTO FIND and LUCKY to HAVE! For without YOU, our valued shareholders and customers, none of us would have much of a reason for coming to work at Cross Keys Bank. In the first few weeks of this new year we have already seen the announcement of two Louisiana community banks’ pending sales. There is every indication we will see more of this merger and acquisition activity in the near future as the banking industry continues to consolidate. In Louisiana alone the total number of Banks andThrifts is down from 162 to 140 or 13.59%. Of course it is the responsibility of the board of any institution to act in the best interest of its shareholders, and one can argue ad infinitum over the pros and cons of the conversion of an asset, or maybe a better way of saying it comes from an old favorite song, “You‘ve got to know when to hold’em and know when to fold’em…..” Truthfully, there are too many variables and considerations to illustrate in this short essay. Suffice it to say that it appears to us that one of the major drivers in this new round of bank consolidation will not come frombank failures, but from the ever growing burden of a zealous regulatory environment that aims to protect the consumers at all cost, and in so doing is having the exact opposite impact. More regulation in just about every industry is driving up the cost of providing goods and services to the American people. While well intended, and even a justified need for prudent regulation, there simply is no fathomable reason for our representatives in government to adopt and enact laws without reading them, much less understanding them. Like in the folk tale, Chicken Little shouts “the sky is falling” and promotes the impending end of the world, which results in panic and overreaction by the uninformed. Sound familiar? The phrase, “ Keep Calm and Carry On” was motivational propaganda for the English in early WWII and evokes solidarity and confidence in the face of danger. Rest assured our trademark, the “crossed keys” is a symbol of strength and confidence that inspires our mission of “Service with Honor and Integrity.” Cross Keys Bank has been in business for the last 112 years, survived wars and recessions, including the Great Depression as well as this latest Great Recession. Our formula for success is a balanced approach of running our bank so that it meets the needs of the COMMUNITIES we serve, which includes our employees and our shareholders, but most importantly, you, our valued customer, for without whom we would not be successful. We have no plans to change our formula!

Thanks for giving us the privilege of being your bank. We hope you enjoy our newsletter. Please remember to refer us to your family, friends, and acquaintances and from all of us may 2014 be a great year!

Sincerely,

Michael Vizard, President Cross Keys Bank

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In This Issue Letter from the President . . . . . . . . . . . . . . . . . . . . . . . . . . Page 2

CKB Rated 5-Stars by Bauer Financial

CKB Travel Club Presents Normandy and Paris . . . . . Page 4

Customer Spotlight: Dierdre McGehee . . . . . . . . . . . . . Page 5

Cross Keys Bank is honored to be

Dear Geek Girl: Tech Advice Column . . . . . . . . . . . . . . . Page 6

recognized once again as a 5-star rated

Our Employees: Giving Thanks by Giving Back - Canned Food Drive To Benefit

bank by BauerFinancial, Inc., the nation’s

leading bank rating and research firm.

The Food Bank of Northeast Louisiana . . . . . . . . . Page 8

Bauer’s highest 5-star rating indicates

Cross Keys Bank Employee Day: October 13, 2013 . . . Page 9

that Cross Keys Bank excels in areas of

Do You Have An IRA In Your Financial Tool Kit? - By Mauri Turner, Investment Advisor for

capital, asset quality, profitability and

Cross Keys Investment Services . . . . . . . . . . . . . . . . . . Page 10

much more. What’s more, Cross Keys

Bank has earned the highest rating for

The Cinderella Project of Monroe -

Cross Keys Bank PartnersWith Non-Profit . . . . . . . . . . Page 11

the most recent 83 consecutive quarters

which qualifies it for the even more elite

BSJ Bancshares, Inc. & Cross Keys Bank

2013 Annual Report . . . . . . . . . . . . . . . . Page 15

group of “Sustained Superiority Banks”.

Only 7% of the nation’s banks can claim

this distinction with such consistency.

~3~

INVOICE #: 1087787 s PO #: 10872-1

Join Us This Summer July 24-August 2, 2014

For the 70th Anniversary of D-Day Landings Normandy & Paris

TheCKBTravelClubhasenjoyedagreat response since being organized about a year ago. Trips to Italy and Hawaii were chosen by the first two groups of travelers, with 16 people signing up for each tour. Membership in the “club” is free. You do not have to be a Cross Keys customer to join, but that option is available. About all you need is some luggage, maybe a passport, and a

landing beaches will be led by a local guidewho is an expert indescribing the events that occurred there. Our time here will no doubt be informational, entertaining and emotional. Following our step back into the history of World War II, we will then take a short drive and a giant leap into the history from another era when we

After an overnight flight, the next day will begin in Paris, home to world- famous food, art, wine, scenery, history and much more. At the airport we will be escorted to our bus for the trip to our hotel. While in Paris there will be tours with local, English-speaking guides who are either Collette employees or who have been chosen by Collette.

desire to travel. We will help you with all the rest. And you might even want to help us in choosing our future destinations. The next trip for the Travel Club will begin on July 24 when we begin our awesome trip to the beaches of Normandy and the lights of Paris. This 10-day adventure will coincide with the 70th anniversary of the D-Day invasion, but will be several weeks after the June 6 ceremonial activities in

learn about the Norman conquest of England by viewing the famous Bayeux Tapestry. We will continue our journey into the past the next day in the medieval village of Chartres. As onmost days, wewill have free time for lunch. Most of our CKB travelers agree that this is an important and highly enjoyable part of every trip. A common occurrence is to choose from several sidewalk cafes and have a leisurely meal, dining

order to provide a better opportunity to explore with the group as well as on individual free-time excursions. Our trip will begin with departure from the Monroe airport, but those who need to join the group from other cities can easily be accommodated. Our travel provider, Collette Vacations, has over 80 years of experience, and they were carefully chosen based on their long history of hosting successful adventures. The contact information of your designated person at home will be on file with Collette, so that they will always know where you are and how to reach you at any time.

These tours are included in your trip package, but you may also have our guide recommend alternate tours on your own. Free time is a hallmark of Collette, so that those with varying interests will have opportunities to personalize their experiences. This ensures that you may enjoy guided tours and also have the chance to do your own thing. After 3 days in Paris we will travel in a first class motor coach across the scenicFrenchcountryside.OurCollette tour manager will point out items and answer questions along the way to the Normandy coast. Our visits to the

on a freshly prepared dish favored by the local people. Our tour manager will be able to make recommendations based on your preferences. We will spend part of the last afternoon traveling so that we can spend one morenight inParis, including a farewell dinner with our new friends. The next morning will come early as we meet the motor coach for our shuttle to the airport, taking with us many photos, souvenirs andmemories. We hope you will join us on this exciting adventure. Contact Jim Cuthbert at 318.237.5833.

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Customer Spotlight: Deirdre McGehee Deirdre McGehee joined the Cross Keys Banking community in 1993. This sensational seamstress from Tensas Parish got her start in business by designingandsewingswimsuits for the ladies of Lake Bruin. She expanded her offerings and is now best known for her custom handbags that she’s tagged BFL – bags for life. her iPhone, Deirdre has the option of visiting her friendly Sterlington branch or using the convenient online service. “I can check my balance and even transfer money to my son. The App has been the most helpful thing in my banking experience!”

Deirdre owns and operates the DMD Factory store on Hwy. 2 in Sterlington, Louisiana, where she and her small staff painstakingly hand-makecustomhandbags, travel bags and organizers. You can see for yourself at www.dmdbags.com on the web.

Seven years ago, when Deirdre relocated from Tensas Parish to Sterlington, she remembers, “Having Cross Keys Bank on the corner was so comforting. Having my hometown bank right here made the transition easier.” With the arrival of the Cross Keys Bank App on

Employee Promotions

Bridges has been promoted to Assistant Vice President, Lender at the McMillan Road branch. Jake Maxwell has been promoted to Assistant Vice President, Lender in Sterlington. Kelly Coates has been promoted to Assistant Vice President, Branch Manager at the West Monroe location. RobinMcVay has been promoted to Assistant Branch Manager at the St. Joseph location. Reannon Borquist has been promoted to Bank Security Officer.

Michael Vizard, President and CEO of Cross Keys Bank, recently announced the promotion of the following employees: Chief Operations Officer, Mandy Smart has been promoted to Executive Vice President. Senior Human Resources Officer, Branch Manager at the St. Joseph Branch, and Asst. CFO, Mike Thompson has been promoted to Senior Vice President. Beverly Joiner has rejoined the bank as Senior Vice President, Mortgage Lender. Bradley

“These promotions are the result of good people dedicating themselves to our bank and its progress”, said Vizard. “It makes me proud to have witnessed first-hand the time and effort they invest in our bank and our customers. Each of these officers embodies the CKB core values of ‘Service with Honesty and Integrity’.”

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Dear Geek Girl: By Kristen S. VandeVen Once activation is complete you will log in with your online banking credentials (Username and Password). Mobile Check Deposits couldn’t be easier. Simply endorse the back of the check with • Your signature • Last 4 digits of the account number • Today’s date (mm/dd/yyyy) • Print “Cross Keys Mobile Deposit Only” Take a picture of the front and back of the check. Select the account you wish to deposit the check into, type in the amount and hit the Deposit button. You will have access to your funds within 1 business day. You must hang on to the check for 10 days in case there are any issues and the bank needs to see the original check. Dear Geek Girl, If I have CKB-On-the-Go installed on my phone how will I keep others from accessing my information? You should always protect your phone and devices by putting a passcode or lock on the device. However CKB apps always require a User ID and Password. In the case that you have lost a device or simply wish to remove the CKB app from a device you can log into the traditional Internet Browser based version of Online Banking. Click on the User Services tab then Mobile Enrollment. You will be brought to the Mobile Banking Center. This area will allow you to enroll new devices, disable a device (great if you have misplaced a phone), or Remove this

mobile device (if you have lost a phone or gotten rid of the phone). No need to wait until the bank is open, you can control all of your devices from this area 24/7. How can I protect myself and my bank account from the bad guys out there? We suggest that our customers take a two prong approach to protecting their accounts: Update and Monitor. Update antivirus and anti-malware programs on your computer and devices. Make sure that all of the software patches and updates have been downloaded and installed. Don’t assume your computer is doing this for you. Monitor your accounts by utilizing Online BankingandMobileBanking toreviewyour account activity often. Cross Keys Bank also utilizes a fraud detection system tomonitor debit card transactions called Falcon Fraud Watch.You may receive a phone call from a toll free number. Falcon Fraud Watch will identify themselves as Cross Keys Bank and ask you to verify transactions made on your Cross Keys Bank Debit Card. You may receive a voicemail and a letter in the mail. If you do not answer calls from Falcon FraudWatch your debit cardmay be temporarily blocked until the transactions can be verified.

In our technology-driven world, it is important to keep pace and embrace the inevitable changes. Even the most high- tech person can become overwhelmed by the rapid evolution of technology. If you’ve got a troublesome tech question you want answered, please send a note to deargeekgirl@ckbonline.com . Dear Geek Girl, I see the advertisements for Mobile Check Deposits. How does this work and is it safe? OurMobile Banking canonly be accessedby first enrolling for Online Banking though a traditional Internet Based browser. You must then “register” your smart phone within the Mobile Enrollment phase to receive a onetime activation code. This is a necessary security step to match the owner of the phone with their Online Banking.

Cross Keys Bank takes your security very seriously. If you have a question or concern about something call or email or eBanking Department, we will be happy to answer your questions 318-766-3246 or postmaster@ckbonline.com eBanking Department Responds To Target Data Breach

The eBanking department at Cross Keys Bank has coined a new phrase—Cross Keys eBanking,TechnologywithaPersonal Touch. This new mantra was recently put to the test by the Target data breach that affected over 70 million consumers in the United States and almost 300 Cross Keys Bank customers. According to Krebs on Security, a respecteddata securityblog, the Target breach captured data stored on the magnetic strips of the cards that customers swipe at the cash register. The information compromised included customer names, card numbers, expiration dates and the

short verification codes known as CVVs. Target has over 1,800 stores in the United States and is the third largest retailer. How did the eBanking Department at Cross Keys Bank respond to news of the Target data breach? When we found out about the breach we did not initially know that Target was the source. Regardless of the retailer, we wanted to ensure the safety and privacy of our customers so we began by calling each and every customer that may have

been compromised in the breach. At no cost, they received a new card in the mail within 7-10 days.We had a lot of customers who were surprised that they received an actual phone call from an actual person. Other big banks did not even notify their customers before shutting the compromised cards down. Our desire is to interact with our customers and give them the personal attention that is neededwhen something scary like this happens. And that is technology with a personal touch.

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UÊÊ,i“œÛiÊ՘˜ii`i`ÊÜvÌÜ>ÀiÊ>˜`Ê«Õ}‡ˆ˜Ã°ÊÊ UÊÊ >VŽÕ«Êˆ“«œÀÌ>˜ÌÊ`>Ì>Ê>˜`ÊwiÃÊÀi}Տ>ÀÞ° Secure Your Log-in Information UÊÊ >ŽiÊޜÕÀÊ«>ÃÃܜÀ`Ê՘ˆµÕiÊ>˜`ÊV…>˜}iÊÊ ˆÌÊÀi}Տ>ÀÞ° UÊÊ œÊ˜œÌÊÃiÌÊޜÕÀʈ˜ÌiÀ˜iÌÊLÀœÜÃiÀÊ̜ÊÀi“i“LiÀÊÊ ÞœÕÀÊÕÃiÀÊ ÊœÀÊ«>ÃÃܜÀ`° UÊÊ iÛiÀÊÅ>ÀiÊޜÕÀÊ«>ÃÃܜÀ`ð Use Anti-Virus Software UÊÊ1Ãiʓœ`iÀ˜ÊLÀœÜÃiÀÃ]Ê>˜Ìˆ‡Ã«ÞÜ>ÀiÊ>˜`ÊÊ >˜Ìˆ‡ÛˆÀÕÃÊÜvÌÜ>Ài°Ê UÊÊ-Ì>ÞÊVÕÀÀi˜ÌÊ܈̅ʫ>ÌV…iÃÊ>˜`ÊÕ«`>Ìið

Use these security measures to protect your desktop computer, laptop, mobile phone and tablet.

Ad Campaign Courtesy of the Computer Information Systems Class at ULM for the 2013 InfoSec Project

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Our Employees: Giving Thanks By Giving Back Canned Food Drive To Benefit The Food Bank of Northeast Louisiana

The Food Bank of Northeast Louisiana was the recipient of the Cross Keys Bank first annual ‘Give Thanks and Give Back’ Canned Food Drive. The contribution came just in time for the Thanksgiving holiday season for needy families in the region. The food drive took place at all 7 locations of Cross Keys Bank, and was held during the month of November. Bank employees made generous contributions which resulted in our being able to collect and donate 516 lbs. of canned and dry goods to the Food Bank of Northeast Louisiana. “Whether we want to believe it or not, so many of our neighbors are struggling to put food on their tables,”

said Alissa S. Russell, Assistant Vice President of Marketing and Sales. “By assisting the Food Bank of Northeast Louisiana collect much-needed food items, we’re reaching out to fight hunger in the communities we serve.” The Food Bank of Northeast Louisiana exists to provide an essential link between the food industries and the agencies and institutions that feed the hungry in Northeast Louisiana. The Food Bank offers the opportunity for growers, processors, distributors and retailers of food products to donate items which might otherwise be discarded and which can be used instead to feed the hungry. The Food Bank distributes over 3,000,000

pounds of food annually through approximately 74 charitable agencies throughout Northeast Louisiana. The 2010 Feeding America National Hunger Study indicates that the Feeding America system served by the Food Bank of Northeast Louisiana provides emergency food for an estimated 39,000 different people annually and about 7,400 different people receive emergency food assistance in any given week including more than 16,000 children. The Food Bank of Northeast Louisiana serves the following parishes; Franklin, Jackson, Lincoln, Madison, Morehouse, Ouachita, Richland, Tensas, Union and West Carroll.

Food Bank Northeast Louisiana

l Avenue LA 71203 322-3567 -1620 fax

Post Offi Monroe, 72-1333 www.fbn

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2013 Employee Day

The fifth annual Cross Keys Bank EMPLOYEE DAY celebration was a resounding success. This year the theme of the event was Luck O’ The Keys and the Welcoming Committee made sure everyone was presented with a gift bag including a kelly green shirt with logo. After the annual group photograph, employees were divided into two groups for bingo and a spirited game of kick ball. This was perhaps too spirited as Sharon O’Briant of the Mortgage Department fell and broke her leg! [She is healing well.]

welcomed his staff and began the spirited process of drawing tickets for the various door prizes. He stated that, “Our employeesare themost important asset of Cross Keys Bank. Today is all about letting them know howmuch we appreciate their hard work.” Employee Day is also the time at which we say goodbye to retiring co-workers and acknowledge the longevity of others. Retirees, Mrs. Brenda Mize and Mrs. Ellen Jones were both given watches in gratitude for their years of service at the bank. Numerous

other awarded certificates commemorating years of employment. The highlight of the Awards process was presenting the CKB Employee of theYear Award for 2013. This employee most embodies the spirit of Cross Keys Bank by demonstrating Service, Integrity and Honor. Nominees for this award are received anonymously from co-workers. This year’s recipient is Kelly Coates, Branch Manager at the West Monroe office on McMillan Road. Congratulations, Kelly! In addition to employees were

Lunch was catered by Danken Trail and consisted of fried fish with all the trimmings. After lunch, Michael Vizard, President and CEO of CKB,

managing the West Monroe branch, Kelly is mother of two and married to Jamie Coates, a police officer with the Monroe Police Department.

Michael Vizard leads the group in a relaxation technique.

Everyone lined up for lunch

Michael Vizard with the two retirees, Ellen Jones and Brenda Mize.

The lovely ladies from Tallulah sit outside and enjoy their lunch

Laura McCullin concentrates on BINGO

Chelsy DeMers tries to tag Paula Keith in kickball.

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DoYou Have An IRA InYour Financial Tool Kit? By Mauri Turner, Cross Keys Bank Investment Advisor

The IRA is one of the most versatile retirement savings tools available. It provides the opportunity to save for retirement and offers the potential for special tax advantages, depending upon your financial situation and the type of IRA you choose. • Traditional IRA. A traditional IRA may afford taxpayers a reduction in taxable income since contributions are tax-deductible. However, when the person begins to withdraw IRA funds at retirement (or beginning at age 59- 1/2), the funds are taxed as income. • Roth IRA. While contributions do not reduce taxable income, the most distinctive benefit of the Roth IRA is that it offers tax-free withdrawal of funds starting at age 59-1/2 or when the person retires, as long as certain requirements are met. This option could be good for thosewho anticipate being in a higher tax bracket upon Here is a quick run-down of the many types of IRAs to consider:

retirement. The Roth has no required minimum withdrawals during the lifetime of the account owner; after death, required withdrawals apply to the account’s beneficiary. The beneficiary takes these distributions tax-free while the balance of the plan continues to grow tax-free. • SIMPLE IRA. The Savings Incentive Match Plan for Employees (or SIMPLE IRA) is a simplifiedmatching employee pensionplantargetedtoself-employed workers and small businesses with fewer than100employees.TheSIMPLE IRA is one of the few IRA types that are employer-sponsored, though it has features similar to a 401(k) profit- sharing plan. • SEP IRA. The Simplified Employee Pension IRA (SEP IRA) is ideal for self-employed individuals and small businesses.The SEP IRA ismost similar to a traditional IRA, only it’s highly simplified and easier to administer.

the best retirement savings vehicle for your financial situation, contact your financial advisor. If you are facing a greater tax liability this year, opening an IRA or increasing your contribution could reduce what you owe on tax day. registered representative with offices in Monroe, LA. If you have a question for Mauri send it to: Mauri Turner is a

Mauri Turner Financial Consultant 1401 Hudson Lane, Suite 100 Monroe, LA 71201 www.crosskeysbank.com

Registered Representative of INVEST Financial Corporation (INVEST), member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance products and are not affiliated with Cross Keys Investment Services INVEST does not provide tax or legal advice. Products are: • Not FDIC insured • Not Bank Guaranteed • May lose value including loss of principal. b.news.9512.0315.103919

To discuss which IRA option may be

A New Face at Cross Keys Investment Services: Ryan Linder

Ryan is a 2013 graduate of Louisiana Tech and loves to golf in his free time.

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Cinderella Project of Monroe

Cross Keys Bank is proud to announce our partnership with The Cinderella Project of Monroe. This non-profit organization is in its fourth year, and provides local juniorandseniorgirlspromdresses, while building self-esteem, self-

Keys Bank!”

Bayou Gypsy, Salt & Pepper, K-Sera, Rain the Salon, Rodeo Boutique of Ruston and any of the three D&D Cleaners locations.After thedresses arecollected,TheCinderellaProject will host a Dress Giveaway on March 8, 2014 open to area junior

If you are interested in donating a dress, The Cinderella Project asks that dresses be age appropriate and suitable for a high school student, clean and in good condition.

confidence and the importance of giving back to others. The Cinderella Project of Monroe collects prom dresses throughout the month of January for its dress giveaway in the Spring. Last year, all Cross Keys Bank branches served as drop off points for dresses, as well as had numerous employees volunteer for the Dress Giveaway. “In past years, we had girls come to our dress giveaway from basically the Monroe/ West Monroe area,” said Ashley Yeldell, Director of The Cinderella Project of Monroe. “Because of our partnership with Cross Keys Bank in

and senior high school girls. Each girl is assigned a personal shopper, a Cinderella Project volunteer, to help pick out a dress and try dresses on. Cross Keys Bank employees participate as volunteers and personal shoppers. If you would like to make a monetary or dress donation, you can do so at any Cross Keys Bank branch or if you would like to volunteer, please contact Ashley Yeldell at Ashley.m.yeldell@ gmail.com. For more information

Donations can be dropped off at any of the Cross Keys Bank branches, Raising Cane’s on Louisville Ave., Raising Cane’s in West Monroe, Raising Cane’s in Ruston, Herringstone’s Boutique,

2013, we were able to reach girls in 12 parishes in Northeast Louisiana and from 24 different high schools, which is double the number we had the previous year. This would not have been possible without Cross

onTheCinderellaProjectofMonroe, please visit cinderellaprojectla. org or find them at facebook.com/ CPofMonroe

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Nancy Benson, Chris Fuller, Alissa Sutton Russell and Karen Goldman attend the CASA Black andWhite Ball at BDCC

Lili Osbon, daughter of Kim Osbon @ Annex, donates her time once a month to help serve food to the homeless.

Jake Maxwell and Jeremy Rodden donate deer meat to the Louisiana Baptist Children’s Home

Tru Goldman and his grandson, Jack.

Karen Goldman and Alissa Sutton Russell attend the Art with a BayouView event benefiting the Monroe Symphony Orchestra.

Nick and Claire Rosenzweig welcomed a beautiful baby girl, Helen Kate, to the world on 6/11/2013. She was born at St. Francis Hospital in Monroe and was 19.5” long and weighed 8 pounds. She is welcomed home by big brother, Carter (3 yrs-old).

Jake and Melissa Maxwell were blessed with Roslyn Kate on 12/7/13 at 8:16 am. She weighed 6 pounds 14 ounces. Her big brother Peyton (2 yrs- old) is a BIG help!

Megan & Charles Smith welcomed a beautiful, baby boy, Hawke Howard, to their family on 1/12/2014. He weighed 6 pounds 15 ounces and was 19 inches long.

From L to R—Mr. Tom Scott, Jr., Shane Bridges, Mrs.

Philip Davis poses with his internship mentor Alissa Sutton Russell and Bank President Michael Vizard. Philip completed his internship with Cross Keys Bank in December shortly before his graduation from University of Louisiana at Monroe in Ag Business.

Betty Scott Cummins

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~13~

At Cross Keys Bank we value the traditions that strengthen community while embracing changing times and innovations in technology that make life more convenient. Call or visit the friendly professionals at Cross Keys Bank to learn more about our full range of banking products. Embracing Innovation Honoring Tradition,

Online Banking Enjoy secure internet access to your money any time, anywhere. There is no software to install, and you are protected with encrypted security protocols. View account activity, check balances, transfer funds and much more! Special features include: s e-Statements: Secure, easy and free! Receive your monthly bank statements electronically and eliminate the paper trail. s External Transfers: Move money electronically between Cross Keys Bank accounts and accounts at other financial institutions. s CKB-On-The-Go FREE Mobile App: Instant connectivity to your accounts any time, anywhere right from your mobile device. s Mobile Check Deposit: With our free mobile app for iPhone or Android you can deposit checks any time from anywhere. Access your account at crosskeysbank.com , sign the back of your check, snap two photos and send. It’s safe, fast and easy! s SMS Text Messaging: Your account information is never more than a text away. Set up“Notify Me Alerts” to receive text messages alerting you to changes in your account including when a deposit is made, a debit over a certain amount occurs or when the balance drops below a certain amount. ATM Remote Deposit It’s easy and convenient! Deposit checks singly or in bulk — without an envelope — at any of our participating ATMs, 24 hours a day. Your receipt confirms your deposit and includes an image of your check(s). Currently at Newellton, Rayville, Tallulah andWest Monroe locations. Remote Deposit for Your Business With your computer, a digital check scanner and secure, easy-to-use CaptureNet software, you can make deposits at your convenience, any time, directly from your office. We provide onsite installation and training. ACH andWire Transfers Send and receive money electronically to and from anyone, anywhere. ACH (Automated Clearing House) allows you to set up direct deposit so your paycheck goes directly into your account or set up an automatic payment for recurring bills.Wire transfers are a safe and convenient way to move funds from one location to another. It’s great when traveling, conducting business from another location or in an emergency.

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Dear Customers and Shareholders:

BSJ Bancshares, Inc., the parent company of Cross Keys Bank, ended 2013 with total assets of $304,407,165 and earnings of $4,077,312, which is the equivalent of $11.88 per share. The past year was BSJ Bancshares’ first as a Sub-chapter S Corporation for income tax purposes, and we continue to believe this move will add value to your investment in the company. You will notice in our Comparative Statement of Earnings that no income tax expense is reported in 2013, as this conversion has removed corporate income tax expense at the company level. These funds, which were once paid to the U.S. Treasury, can now be passed along to our shareholders in the form of distributions or as additions to our capital position. To our stockholders, we would like to remind you that it is in your best interest to choose Cross Keys Bank for all of your banking needs, whether as a depositor or as a borrower, or both! This is made possible with state of the art technology that allows you quick and easy access to your accounts. We have a top-notch lending team that actively seeks loans to financially

sound borrowers, and we are eager to provide agricultural and small business financing. Our Mortgage Department is capable of providing residential property financing just about anywhere. Also, don’t forget that we have, for your convenience, Cross Keys Insurance Agency and a Financial Consultant at Cross Keys Investment Services who is a registered representative of Invest Financial Corporation, member FINRA/SIPC. So you see, there is really no reason why you shouldn’t do all of your banking with your bank! As has always been the case, 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 2014.

Sincerely,

BenWatson President /CEO BSJ Bancshares, Inc. Michael R.Vizard President/CEO Cross Keys Bank

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P.O. Box 7 St. Joseph, LA 71366

visit us online: www.crosskeysbank.com

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 STERLINGTON* 167 Keystone Road

It’s all in the palm of your hand. The CKB-On-The-Go FREE Mobile App o ers secure, convenient management of your accounts. Check balances, get account updates, transfer funds, make bill payments and even deposit checks! Depositing checks is fast and easy. Download the free CKB Mobile App available for iPhone or Android. Access your account at crosskeysbank.com. Sign the back of your check, snap two photos and send! Deposit checks any time from anywhere!

318.665.4511 ST. JOSEPH* 307 Plank Road 318.766.3246 TALLULAH* 115 North Chestnut 318.574.3210 WEST MONROE* 400 McMillan Road 318.362.0023 CYPRESS STREET

ADMINISTRATIVE OFFICE 3101 Cypress Street, Suite 1 West Monroe, LA 71291 318.340.6274

*ATM Located at Branch