EX-99.1 2 dex991.htm EXHIBIT 99.1 EXHIBIT 99.1
IBERIABANK Corporation
Investor Presentation
Chicago
August 13-14, 2007
Exhibit 99.1


Forward Looking Statements
Disclaimer
This presentation contains or may contain statements  that constitute “forward-
looking
statements”
within
the
meaning
of
the
Private
Securities
Litigation
Reform Act of 1995. These forward-looking statements are subject to significant
risks, uncertainties and assumptions and typically can be identified by the use of
words such as “expect,”
“estimate,”
“anticipate,”
“forecast,”
“plan,”
“believe”
and similar terms.  Such forward-looking statements may relate to expected
operating results, future plans, strategies, objectives, projections and
expectations, anticipated events or trends, the closing of announced
transactions
and
similar
expressions
concerning
matters
that
are
not
historical
facts.  Actual results may differ materially from the results discussed in these
forward-looking statements.  Factors that might cause such a difference include,
but are not limited to, those discussed in the Company’s periodic filings with the
SEC.  Except to the extent required by law, IBERIABANK Corporation undertakes
no obligation to update any of the forward-looking statements contained in this
presentation.


Outline
Background And Introduction
Financial Performance
Industry Concerns Regarding:
Earnings Transparency In 2007
Construction & Land Development
Credit Quality
Hurricanes
Integration Of Acquisitions
Sub-Prime And Alt-A Segments (Loans, Investments, Etc.)
The Housing Sector
Investment Perspective


Introduction
Our Organization Was Founded In 1887
$4.7 Billion Financial Holding Company
2
nd
Largest Financial Institution With HQ In Louisiana
Diversified, Yet Strategically Concentrated
Client Focus And Local Decision-Making
Exceptionally Talented, Hard Working Associates
Well Seasoned Leaders Throughout The Company
10 Years Ago -
19 Offices In 8 Parishes In LA
Now -
142 Offices In LA, AR, TN, OK, MS, TX, MO, IL


Company Locations
Bank -
82
Mortgage -
28
Title -
32
Louisiana -
50
Arkansas -
29
Tennessee -
2
Oklahoma -
1
Arkansas -
9
Louisiana -
6
Memphis -
5
Dallas -
4
Other -
4
Arkansas -
22
Louisiana -
10


Local Economic Conditions
Local Unemployment Stats
Lafayette, LA
3.3
%
Fayetteville-Springdale-Rogers
3.5
%
Jackson, MS (not IBKC)
4.7
%
Houma-Thibodaux, LA
3.3
Little Rock-North LR-Conway
4.3
Gulfport-Biloxi, MS (not IBKC)
5.6
New Iberia, LA
3.8
Jonesboro, AR
5.0
Baton Rouge, LA
4.2
New Orleans-Metairie, LA
4.8
Memphis, TN-MS-AR
4.7
%
Shreveport-Bossier City, LA
4.9
Monroe, LA
5.1
Tulsa, OK
4.2
%
Jennings, LA
3.7
%
Russellville, AR
4.3
%
Oxford, MS
3.9
%
Fort Polk South, LA
4.0
Harrison, AR
4.5
Laurel, MS
4.2
Abbeville, LA
4.1
Texarkana, TX-Texarkana, AR
4.5
Hattiesburg, MS
4.4
Alexandria, LA
4.2
Arkadelphia, AR
5.1
McComb, MS
5.7
Crowley, LA
4.2
Fort Smith, AR-OK
5.1
Pascagoula, MS
5.7
Lake Charles, LA
4.2
Hot Springs, AR
5.3
Picayune, MS
5.7
Hammond, LA
4.4
Mountain Home, AR
5.3
Tupelo, MS
5.7
Morgan City, LA
4.4
Hope, AR
5.6
Brookhaven, MS
6.0
De Ridder, LA
4.5
Batesville, AR
5.7
Vicksburg, MS
6.0
Opelousas-Eunice, LA
4.6
Paragould, AR
6.0
Natchez, MS-LA
6.2
Pierre Part, LA
4.8
Searcy, AR
6.1
Meridian, MS
6.4
Minden, LA
5.0
Magnolia, AR
6.3
Starkville, MS
6.6
Natchitoches, LA
5.0
El Dorado, AR
6.8
Corinth, MS
6.7
Ruston, LA
5.1
Camden, AR
6.9
Grenada, MS
6.8
Bogalusa, LA
6.1
Blytheville, AR
7.0
Yazoo City, MS
7.4
Tallulah, LA
7.0
Pine Bluff, AR
7.0
Columbus, MS
7.5
Bastrop, LA
7.7
West Helena, AR
7.0
Greenwood, MS
7.5
Other Louisiana MSAs
Other Arkansas MSAs
Mississippi MSAs
Other Mississippi MSAs
Louisiana MSAs
Arkansas, Tenn., Oklahoma MSAs


Local Competitive Focus
Corporate Board –
Louisiana And Arkansas
Advisory Boards –
Local Connectivity
Many Local Competitors Are Large, Clumsy Mega-Banks
Louisiana
Arkansas
Memphis, TN
$1.4 Tril
$150 Bil
$143 Bil
$10 Bil
$12 Bil
$6 Bil
$38 Bil
$219 Bil
$707 Bil
$182 Bil
$1.5 Tril
$143 Bil
$32 Bil
$12 Bil
$8 Bil
$143 Bil


Financial Performance


Financial Performance
Quarterly Loan Deposit Growth
Strong
Growth In
Loans And
Deposits
Some
Seasonal
Influences
Loan And
Deposit
Growth In
All
Markets
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
Loans
Deposits
Quarterly Averages
Annual Average Balances
-1%
20%
17
17
22
34%
1%
3%
7%
4%
13
16
18
9%
15
12
17
11
14
13
8%
16
46
56
36
42


Financial Performance
EPS Growth
+9% EPS
Growth
On
Recurring
Basis
5-Year
EPS
CAGR Of
+14%
$0.06
$0.03
$0.08
$0.14
$0.23
$-
$0.50
$1.00
$1.50
$2.00
$2.50
$3.00
$3.50
$4.00
2000
2001
2002
2003
2004
2005
2006
1Q07
2Q07
3Q07*
4Q07*
2007*
Impact of Hurricanes
Merger/Severance Costs
Reported EPS
$3.29
$3.60
$3.67*
$0.84
$0.98*
$0.92*
$0.92
* 2H07 per Management forecast on 7/24/07


Financial Performance
2Q07 Commentary
Louisiana
7% Loan Growth YTD
Flat Deposits YTD
Stable Spread, But TE
Margin Up 2 Bps
0.02% Net COs/Loans
0.16% NPAs/Assets,
Unchanged YTD
0.42% Of Loans 30+ Days
Past Due, Up From 0.37%
Acquired Franchises
Completed Jan 31/Feb 1
Converted Mar 18/Apr 22
Loans: +5% Since Acq.
Deposits: +<1% Since Acq.
0.09% Net COs/Loans
1.15% NPAs/Assets
$10 Million Impaired Loans
3.02% of Loans 30+ Days
Past Due At 6/30/07


Industry Concerns


Industry Concerns
Earnings Transparency In 2007
Construction & Land Development
Credit Quality
Hurricanes
Integration Of Our Acquisitions
Sub-Prime And Alt-A Segments (Loan
Portfolio, Originations, Investments, Etc.)
The Housing Sector


Earnings Transparency
July 24
th
Management Forecast
Historically, IBKC
Provided Annual
EPS Guidance
On July 24
th
Management
Provided Its
Internal Forecast
For 3Q07 & 4Q07
7/24/07: 2007 EPS
Range Of $3.70 To
$3.75 On A
“Guidance Basis”
($ in Millions; EPS in
Per Share)
1Q07
2Q07
3Q07
4Q07
Year 2007
Year 2006
Change 
2007-06
Actual
Actual
Mgmt
Mgmt
Mgmt
Actual
T/E Net Int
Margin
3.13%
3.09%
3.12%
3.14%
3.12%
3.42%
NII After Provision
27.3
$           
31.3
$           
31.8
$           
33.0
$           
123.4
$     
99.3
$      
24%
Service Charges
4.0
5.0
5.1
5.5
19.7
13.2
49%
Title Revenue
2.2
5.8
5.5
4.9
18.4
-
Mortgage Revenues
2.5
4.3
5.0
4.5
16.2
0.7
2075%
Other Income
5.5
6.7
5.5
5.7
23.3
9.5
144%
Nonint
Income
14.2
21.8
21.1
20.5
77.6
23.5
231%
Salaries & Benefits
17.0
21.2
20.9
20.5
79.6
40.0
99%
Occupancy & Equipment
3.9
5.2
5.4
5.4
19.9
9.4
110%
Other Expense
8.3
12.6
9.7
9.7
40.3
23.7
70%
Total NIE
29.3
38.9
36.0
35.6
139.8
73.1
91%
Income Before Tax
12.1
14.2
16.9
17.9
61.1
49.6
23%
Income Tax
3.0
4.1
5.0
5.3
17.4
14.0
25%
Net Income
9.2
$            
10.0
$           
11.9
$           
12.6
$           
43.7
$       
35.7
$      
23%
Effective Tax Rate
24.5%
29.2%
29.5%
29.5%
28.4%
28.1%
0.3%
Merger & Severance
1.3
$            
3.1
$            
-
$                 
-
$                 
4.5
$         
0.2
$        
2551%
Accounting Changes
0.3
$            
0.2
0.2
0.2
0.9
0.2
504%
Pre-Tax Effect
1.6
$            
3.3
0.2
0.2
5.4
0.3
1569%
Tax Effect
(0.6)
$           
(1.3)
(0.1)
(0.1)
(2.0)
(0.1)
1655%
Net Income Impact
1.1
$            
2.0
0.1
0.1
3.4
0.2
1522%
Adj
Net Income
10.2
$           
12.1
$           
12.1
$           
12.8
$           
47.1
$       
35.9
$      
31%
F-D Shares (000s)
12,084
12,914
12,927
12,843
12,695
9,993
27%
F-D EPS -
Reported
0.76
$           
0.78
$           
0.92
$           
0.98
$           
3.44
$       
3.57
$      
-4%
Adjustments
0.08
$           
0.15
$           
0.01
$           
0.01
$           
0.27
$       
0.02
$      
1241%
F-D EPS -
Adjusted
0.84
$           
0.93
$           
0.93
$           
0.99
$           
3.71
$       
3.59
$      
3%


Earnings Transparency
Quarterly EPS Trends
Better EPS
Growth
Historically
Than SE Or
Large Peers
Analysts
Projecting
Improving
Trend
-20%
-10%
0%
10%
20%
30%
40%
50%
60%
70%
IBKC
SE Peers
Large Peers
IBKC
All SE Peers
Large Peers
Average Analyst Estimates
Source: Bloomberg


Construction/Land Development
HBI Peers: C&D Loans/Total Loans
IBKC:
6.8%
Group Average:
21.2%
-
5
10
15
20
25
30
35
40
45
50
55
Construction & Land Dev Loans/Total Loans (%)
1/3 Of The
Average For
HBI Group
7
th
Lowest
Only 3.8%
Excluding
Arkansas
Acquisitions
No C&D Past
Dues In
Louisiana
Discounted
AR Loans
Source: SNL


Construction/Land Development
C&D Loans As % Total Loans
All Groups At
Higher Levels
Of C&D Loans
And Have
Relied On
C&D Growth
For Loan
Growth
IBKC Low
And Flat
(Only 3.8%
Excluding
Arkansas
Acquisitions)
6.8%
3.1%
25.6%
24.8%
32.6%
32.7%
18.6%
17.3%
-
5
10
15
20
25
30
35
IBERIABANK Corporation
Large Peers
High Construction SE Peers
Lower Construction SE Peers
IBKC
Lower Construction
SE Peers
High Construction
SE Peers
Large Peers
HBHC, BXS, TRMK,
SFNC, RNST, CADE,
CCBG, TIBB, FMFC
RF, BBT, FHN,
SNV, TSFG, CNB
OZRK, UCBI, ALAB,
WTNY, SBCF
Source: SNL


Construction/Land Development
Quarterly EPS Trends –
C&D Peers
Lower C&D
Banks Had
Lower EPS
Growth
IBKC’s EPS
Growth At
Pace With
C&D Peers,
Without The
C&D Risk
-10%
0%
10%
20%
30%
40%
50%
60%
70%
IBKC
High Construction SE Peers
Lower Construction SE Peers
IBKC
Lower Construction
SE Peers
High Construction
SE Peers
Average Analyst Estimates
Source: Bloomberg


Credit Quality
Trend In Nonperforming Assets
IBKC’s Qtrly
NPA Trend
Generally
Half Of HBI
Group
Increase Due
To The AR
Acquisitions
Those NPAs
Discounted
To Net
Realizable
Value At
Acquisition
Nonperforming Assets/Total Assets (%)
0.16%
0.45%
0.54%
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
4Q04
1Q05
2Q05
3Q05
4Q05
1Q06
2Q06
3Q06
4Q06
1Q07
2Q07
IBERIABANK Corporation-Legacy
IBERIABANK Corporation-As Reported
HBI Group Average
Acquisition
Impact
IBKC As
Reported
IBKC Legacy
Franchise
HBI Group
Average
Source: SNL


Credit Quality
Loan Loss Reserves
LLR/Loans
Equal To
1.28% At
3/31/07 (4
th
Highest Of
HBI Group)
1.19% LLR
At 6/30/07
Due To The
Payout Of A
Previously
Troubled
Credit
IBKC:
1.28%
Group Average:
1.12%
0.70
0.80
0.90
1.00
1.10
1.20
1.30
1.40
1.50
1.60
1.70
Loan Loss Reserve/Total Loans (%)
Source: SNL


Hurricanes
Survived, Prospered & Prepared
Hurricanes
Katrina/Rita In
Aug/Sep 2005
Redundant
Operations In
Little Rock
Now --
Dual
Processing
Capabilities
Costly, But
Now Much
Lower Risk
Katrina
Rita


Hurricanes
Recovery From Katrina -
IBKC
New Orleans Pre-Storm
New Orleans Post-Storm*
13 Offices (+86%)
114 Associates (+78%)
$482 Million Loans (+52%)
$399 Million Deposits (+24%)
Net Recoveries Since Katrina
7 Offices
64 Associates
$318 Million Loans
$322 Million Deposits
* Includes Northshore, LaPlace, Houma, And
Regional South; Through March 31, 2007


Acquisition Integration
AR Acquisition Update
Acquisitions Completed In 1Q07
Conversions Completed In Late 1Q07/Early 2Q07
Acquired Approximately $1.4 Billion Assets, 700 People
And 86 Offices Upon Completion Of The Acquisitions
No Loan Or Deposit Run-Off Since Acquisition
Higher Deposit Costs Than Initially Expected
Comprehensive Review Of Combined Operations
Working Diligently To Achieve Synergies


Acquisition Integration
Staff Reductions Implemented
Reduced
Staffing At
Combined
Company By
Total Of 120
Associates
(8% Decline)
To Date, Run-
Rate Comp.
Savings Of
$4.0 Million
-120
$4 Million
-120
-110
-100
-90
-80
-70
-60
-50
-40
-30
-20
-10
0
1
2
3
4
5
6
7
8
9
10
$(5.0)
$(4.5)
$(4.0)
$(3.5)
$(3.0)
$(2.5)
$(2.0)
$(1.5)
$(1.0)
$(0.5)
$-
$0.5
$1.0
Pay Periods Since Acquisition
Associates (Left Scale)
Annualized Compensation Savings (Right Scale)


Sub-Prime/Alt-A Exposure
Areas Of Risk -
Extremely Low
1)
Forced Loan Buyback After Early Payment Default
2)
Failure To Underwrite To Investor Guidelines
3)
Data Integrity Or Fraud (Originator Or Borrower)
Legacy IBKC.
3.5% Of 2006 Production Brokered To Sub-prime
Lenders; No Risk To (1) Or (2); No Notification Of Any Issues
With (3).
Legacy Pulaski.
4.5% Of 2006 Production Sold Or Brokered To
Sub-Prime Lenders (Included Alt-A); No Risk To (1) Or (2); Single
Occurrence With (3) In Last 3 Years.
Legacy First Community.
Very Few Sub-Prime Loans, And Then
As Broker.  No Risk To (1), (2) Or (3).


Sub-Prime/Alt-A Exposure
Production & Investment Risk
YTD 2007, 0.6% Of $415 Million Of Mortgage Loan
Production Was Sub-Prime And Only 4.1% Alt-A.
No Exotic ARM Production Or In The Loan Portfolio  
-
Option, 2/28, Interest-Only, Or Negative Amortization ARMs
Rating Agencies Focusing On “Toxic”
Bonds:
IBKC: No Investment Securities Containing Material
Amounts Of Collateral Considered Sub-Prime, Second
Lien, Or Alt-A; Also, No Corporate Bonds.


Housing Sector
Home Sales –
By State
Index Of Existing Home Sales (1Q98 = 100%)
80%
90%
100%
110%
120%
130%
140%
150%
160%
170%
180%
190%
200%
210%
220%
230%
240%
U.S.
AR
LA
TN
MS
FL
Florida
U.S.
Louisiana
Mississippi
Arkansas
Tenn.
AR-Holding
Up Well
TN-Some
Recent
Weakness
MS&LA –Some
Slower Impact
Post-Katrina
We Are Not
In FL
Source: Bloomberg


Housing Sector
Lafayette/Acadiana Market
Source: Bloomberg
Supply Of
Homes Less
Than Half
US Average
YTD June 07
Vs. June 06:
2.8 Months
5.7 Months
3.7 Months
8.8 Months
-
1
2
3
4
5
6
7
8
9
Lafayette-Resales
Lafayette-New
Construction
Lafayette-All
Properties
U.S. Average
Months Supply Residential Homes (January-June 2007)
Source: Van Eaton & Romero, The Acadiana Residential Real Estate Market and Bloomberg
Sales +8%
Closings +17%
Price +8%
Listings +9%
Sales To List
Price of 98%
(unchanged)


Investment Perspective


Investment Perspective
HBI Peers: Market Cap
IBKC Has
The 4
th
Highest
Market Cap
Limited
“Index
Rebalance
Risk”
6-Month
Average
Daily
Trading
Value Is
$__ Million
Average:
$335
IBKC:
$583
$-
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
Market Capitalization ($Millions)
Source: SNL


Investment Perspective
HBI Peers: YTD Price Change
IBKC
Stock
Price Is
Down
23% YTD
14
th
Worst
Down
23%
Greater
Than The
Group
IBKC:
(23.4%)
Average:
(19.1%)
(45)
(40)
(35)
(30)
(25)
(20)
(15)
(10)
(5)
-
5
10
% Change In YTD Stock Price
Source: SNL


Investment Perspective
HBI Peers: Market-To-Book
IBKC M/B
Ratio Of
1.23x
9
th
Lowest
A 25%
Discount
To The
Group
IBKC:
123%
Average:
163%
70
80
90
100
110
120
130
140
150
160
170
180
190
200
210
220
230
240
250
Market-to-Book Ratio (%)
Source: SNL


Investment Perspective
HBI Peers: Dividend Yield
IBKC Div.
Yield Of
3.01%
7
th
Highest
50%
Greater
Than The
Group
5 Pay No
Dividend
Average:
2.01%
IBKC:
3.01%
-
0.25
0.50
0.75
1.00
1.25
1.50
1.75
2.00
2.25
2.50
2.75
3.00
3.25
3.50
3.75
4.00
4.25
4.50
4.75
Indicated Dividend Yield (%)
Source: SNL


Investment Perspective
HBI Peers: Trailing 12-Mo P/E
IBKC TTM
P/E Ratio
Of 13.3x
15
th
Lowest
A 12%
Discount
To The
Group
IBKC:
13.3x
Average:
15.1x
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
Price-to-Trailing 12-Month Earnings Ratio (Times)
Source: SNL


Investment Perspective
HBI Peers: Projected 2008 P/E
IBKC 08
P/E Of
10.2x
7
th
Lowest
A 15%
Discount
To The
Group
IBKC:
10.2x
Average:
12.0x
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
Price-to-Projected 2008 Earnings Ratio (Times)
Source: Bloomberg


Investment Perspective
Share Repurchases
About 2.3 Million Shares Repurchased Since February 2000
$78 Million Reinvested In Our Company
On April 25, 2007, IBKC Board Announced A New Share
Repurchase Program Authorizing The Purchase Of 300,000 Shares
Months To
Repurchase Program
Announced
Completed
Complete
Pre-Split
Post-Split
Pre-Split
Post-Split
Feb. 2000 Program
2/17/00
12/11/00
10
             
300,000
    
375,000
    
17.87
$   
14.30
$    
Dec. 2000 Program
12/12/00
12/17/01
12
             
300,000
    
375,000
    
28.05
$   
22.44
$    
Dec. 2001 Program
12/18/01
12/2/02
11
             
300,000
    
375,000
    
37.77
$   
30.22
$    
Nov. 2002 Program
11/18/02
9/2/03
9
                
130,000
    
162,500
    
43.87
$   
35.10
$    
Sep. 2003 Program
9/17/03
6/24/04
9
                
300,000
    
375,000
    
58.05
$   
46.44
$    
Jun. 2004 Program
6/25/04
5/4/05
10
             
175,000
    
218,750
    
59.04
$   
47.23
$    
May 2005 Program
5/4/05
5/15/07
24
             
300,000
    
375,000
    
64.42
$   
51.54
$    
Grand Total
1,805,000
 
2,256,250
 
43.15
$   
34.52
$    
New Authorized Program
4/25/07
-- 
-- 
375,000
    
300,000
    
Date
Authorized Volume
Average Cost


Concluding Comments
Legacy Franchise –
Unique Position/Katrina Rebuild
Acquisitions And Conversions Completed
Extremely Small Risk In Industry Risk Issues (Sub-
Prime, Overbuilt Housing Markets, Credit Risk)
Minimal Construction/Land “Growth And Margin Risk”
Significant Diversification (Business, Geographic)
Reasonable Competition & Earnings Opportunities
Down 23% YTD And Trading At Discount To Peers
Over Last 8 Years--Demonstrated Shareholder Focus



DARYL BYRD
President & Chief Executive Officer
1981 •
Trust Company Bank, Atlanta
Banking Officer, Corporate Banking
1983 •
First National Bank of South Carolina
Vice President, Commercial Lending Officer
1984 •
BB&T (North Carolina)
Vice President, Business Services Manager
Commercial Lending Officer
1985 •
FNB-Lafayette (First Commerce Corp.)
Executive Vice President, Corporate Banking Manager
1990 •
Rapides Bank & Trust (First Commerce Corp.)
President & CEO
1992 •
First National Bank of Commerce, New Orleans
Executive Vice President in charge of the commercial bank
and mortgage banking groups.
Managed the strategic development for multiple businesses
and had responsibility for other business lines and support
functions.
1998 •
Bank One Louisiana
President and CEO New Orleans Region


ANTHONY RESTEL
Chief Financial Officer; Chief Credit Officer
1995 •
First National Bank of Commerce, New Orleans
Assistant Vice President -
Energy Group
Corporate Banking
1998 •
Bank One Louisiana
Vice President -
Energy and Utilities Group
Commercial Lending Officer
2001 •
IBERIABANK
Vice President and Treasurer
2005 •
IBERIABANK
Executive Vice President and Chief Financial
Officer
2006 •
IBERIABANK
Senior Executive Vice President -
Chief Financial
Officer and Chief Credit Officer


JOHN DAVIS
M&A; Investor Relations; Mortgage; Title
1983 •
BB&T (NC)
Senior Vice President and Manager of the
Financial Planning Department
Responsible for mergers and acquisitions, strategic
planning, and budgeting.
1993 •
First Commerce Corporation, New Orleans
Senior Vice President
Responsibilities included mergers and acquisitions,
corporate finance, and President of Marquis
Insurance Agency.
1997 •
Crestar Financial Corporation (VA)
Corporate Senior Vice President
Responsibilities included strategic planning,
forecasting, and budgeting for the corporation.
Chartered Financial Analyst (CFA)


MICHAEL BROWN
Responsible For All Banking Markets
1987 •
Wachovia Bank
Treasury Services Representative and Assistant Vice President
Vice
President
and
Relationship
Manager
-
Managed
all
aspects
of bank relationships with Fortune 500 clients in Texas and
Louisiana.
Loan
Administration
Manager
-
Managed
the
loan
administration
and credit policy functions for the Midwest and Chicago credit
portfolios.
1996 •
First Commerce Corporation, New Orleans
Senior Vice President, Manager of Credit and Client Services -
Re-engineered and managed consumer and commercial credit
processes.
1998 •
Bank One Louisiana
Chief Credit Officer for the Commercial Line of Business
in Louisiana
Capital
Markets
Specialist
-
Responsible
for
the
sale
of
capital market products and served as corporate finance
advisor to the bank’s client base.
Chartered Financial Analyst (CFA)


MIKE NAQUIN
Retail And Facilities
1984 •
First City National Bank, Houston
Banking Officer –
Energy Division.
1987 •
SunTrust Bank, Tampa
Senior Vice President-Commercial Sales and Credit
Manager; Also business and private banking groups.
1991 •
First Commerce Corporation, New Orleans
Senior Vice President-Strategic Support.
1996 •
First Commerce Corporation, Monroe
Executive Vice President-Commercial Banking Group for
Central Bank and Senior Credit Officer for Central bank
(Monroe) and Rapides Bank & Trust (Alexandria).
1998 •
Bank One, Louisiana
Market
President
&
CEO
Northeast
Louisiana
Market.
2002 •
Bank One, Arizona
Senior Vice President-Commercial Market Manager for
Arizona and California (3
rd
largest commercial banking
market for Bank One).