Dear Valued Customer:

Cautiously Optimistic!

Those two words speak volumes about the performance of M C Bank in the wake of a continued economic slump in our nation and the regional issues continuing to transpire with respect to the oil spill in the Gulf and a moratorium on drilling. The latter, of course, has significant consequences to our local economy. Given the substantial number of rig workers and countless oil-related businesses in our area, a prolonged moratorium could negatively impact our entire region with a domino effect.

Given these factors, it’s particularly pleasing to announce that M C Bank has earned a 5-Star rating from Bauer Financial, Inc., the highest rating awarded by this national bank ratings firm. The 5-Star award places M C Bank in the elite echelon of banks across the nation for fiscal strength, stability and soundness; and we are among only a handful of Louisiana-based banks to have earned this recognition. While awards such as this are nice, it is especially gratifying to provide this level of assurance to those we serve. Our fiscal integrity sits at the foundation of our relationship with you, our shareholder, and our customers. We will continue to diligently embrace proven banking principles, as we have since 1955, in our mission of service.

Please let me know of any comments, concerns and questions you may have. Your active participation in the prosperity of M C Bank & Trust is appreciated, as always.

Larry J. Callais

President and C.E.O.