Forward Looking Statements
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Certain statements contained herein are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and
Section 21E of the Securities Exchange Act of 1934 and subject to the safe harbor provisions of the Private Securities Litigation Reform Act
of 1995, which involve risks and uncertainties. These statements include, among others, statements regarding future results, improvements
in classified and criticized assets, changes in the local and national economy, the work-out of nonaccrual loans, the completion of the
Beacon Federal and First Louisiana National Bank branch acquisitions, the competition for other potential acquisitions the impacts from the
integration of operations from completed acquisitions and the impact of regulatory changes regarding electronic transactions. Actual results
may differ materially from the results anticipated in these forward-looking statements.
Factors that might cause such a difference include, among other matters, changes in interest rates and market prices that could affect the net
interest margin, asset valuation, and expense levels; changes in local economic and business conditions, including, without limitation,
changes related to the oil and gas industries, that could adversely affect customers and their ability to repay borrowings under agreed upon
terms, adversely affect the value of the underlying collateral related to their borrowings, and reduce demand for loans; the timing and ability
to reach any agreement to restructure nonaccrual loans; increased competition for deposits and loans which could affect compositions, rates
and terms; the timing and impact of future acquisitions, the success or failure of integrating operations, and the ability to capitalize on
growth opportunities upon entering new markets; loss of critical personnel and the challenge of hiring qualified personnel at reasonable
compensation levels; legislative and regulatory changes, including changes in banking, securities and tax laws and regulations and their
application by our regulators, changes in the scope and cost of FDIC insurance and other coverages; and other factors discussed under the
heading “Risk Factors” in MidSouth’s Annual Report on Form 10-K for the year ended December 31, 2010 filed with the SEC on March
16, 2011 and in its other filings with the SEC.
MidSouth does not undertake any obligation to publicly update or revise any of these forward-looking statements, whether to reflect new
information, future events or otherwise, except as required by law.
