To Our Shareholders

Dear Fellow Shareholder:

On behalf of the Board of Directors, management team and staff of Bank of Ruston, we are proud to provide the 2015 annual report. The close of this year, 2015, marks another milestone for Century Next Financial Corporation and its subsidiary Bank of Ruston. For the third year in a row, we achieved record earnings and asset growth.

For the year ended December 31, 2015, net income increased over 30% and assets grew over 24% from the prior year ended December 31, 2014. Loans were the largest contributor to this growth with an increase of over 21% year over year. Deposits also grew approximately 20% as we continued to increase our customer base in Lincoln Parish and the surrounding area. With our strong growth, we continue to appreciate asset quality as the main focus of our future success.

Bank of Ruston, our subsidiary bank, is celebrating its 110th year in serving the Ruston Community and Lincoln Parish. From its beginning as Ruston Building and Loan meeting primarily the mortgage needs of the community, Bank of Ruston has gradually transformed into a full-service banking institution. We offer a wide-range of products and services to meet the needs of both retail and commercial customers. In 2015, we opened a new loan production office in Monroe, Louisiana expanding our reach to service lending customers in Ouachita Parish. The Kasasa deposit product, which offers high-interest checking and savings along with many other benefits, continues to provide an excellent alternative to traditional deposit products at a time when depositors continue to struggle to find a place to earn a reasonable rate in a low interest rate environment.

The financial success of the company can be attributed to our incredible team of employees who are driven to do the right things on a daily basis for our clients, the bank, and each other. Our primary market area continues to thrive economically, and we continue to see improvement in the business environment.

As we move into 2016, we are excited about our growth opportunities as we are planning to open a new banking center in Monroe, Louisiana. As always, we continue to explore new technologies such as enhanced on-line banking and account openings. Our latest new product, uOpen, expected to launch in the second quarter of 2016, will broaden online account opening availability. We are excited about the potential for growth of the bank, increased return for the shareholders, and the opportunity to continue to serve our market area.

We are proud of you, our shareholders, our loyal customers, and our wonderful region and look forward to an exciting year ahead.

Bill Hogan Signature

William D. Hogan

President and Chief Executive Officer