SUPPLEMENTAL MATERIALS

Forward Looking Statements

Safe Harbor

Statements contained in this presentation which are

not historical facts and which pertain to future

operating results of IBERIABANK Corporation and its

subsidiaries constitute “forward-looking statements”

within the meaning of the Private Securities Litigation

Reform Act of 1995. These forward-looking

statements involve significant risks and uncertainties.

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.

Introductory Comments

Summary

Solid Margin Expansion –

Liability Sensitive

Strong Loan Growth And Good Deposit Growth

Additional Loan Loss Provision To Address Builder

Construction –

Contained And Manageable

Relatively Small Construction Exposure

Seasonal Businesses Performing Well Despite

Industry Wide Issues –

Well Positioned For 2008

S&B Run Rate Expense Savings Goals Exceeded

Capital Position Strengthened

$6.9 Million Gain On Credit Card Receivables In 1Q08

Introductory Comments

Distinctively Different

One Of Oldest Banks In LA -

March 12, 1887

Favorably Positioned For Interest Rate Moves

Positioned Well For Mortgage Refinancing Wave

No Toxic Investments

Stable And Countercyclical Markets

Favorable Competitive Dynamics

Extremely Small C&D Exposure

Taking Corrective Action Early & Aggressively

Delivering On Long-Term Investments

Growth Opportunities

Introductory Comments

Change In Stock Price

Source: Stifel Nicolaus, As Of January 11, 2008

58%

27%

45%

47%

13%

-4%

16%

-21%

-14%

-40%

-30%

-20%

-10%

10%

20%

30%

40%

50%

60%

2000

2001

2002

2003

2004

2005

2006

2007

YTD

2008

IBKC

S&P Banks

NASDAQ Banks

DJIA

S&P 500

Russell 2000

Asset Quality

Pulaski Builder Exposure

# Loans

$ Funded

% Of Line

Average

Funded

Committed

%Total

Funded

$ Funded

Builder Loans

Memphis Area

21,925

24,403

121

35.5%

90%

181,198

North Mississippi

6,074

6,111

9.8%

99%

184,061

Little Rock

17,823

20,430

127

28.8%

87%

140,339

Northeast Ark.

3,245

3,518

5.2%

92%

141,087

Northwest Ark.

12,756

13,721

20.6%

93%

131,505

Total Pulaski

61,823

68,183

401

100.0%

91%

154,172

By Dollar Amount ($000)

Development

Lot

House <100%

House 100%

Development

Lot

House <100%

House 100%

Loans

Complete

Loans

Complete

Memphis Area

2,201

4,952

6,045

8,727

113

North Mississippi

517

699

4,858

Little Rock

2,267

1,270

7,294

6,992

Northeast Ark.

339

455

938

1,514

Northwest Ark.

1,616

2,815

8,323

Total Pulaski

4,807

8,810

17,791

30,414

209

214

% Of Total

14%

29%

49%

41%

17%

42%

By Dollar Amount ($000)

By Number Of Loans

% Balance

Funded

Loans

Discounts &

Balance

Current

30-59

60-89

> 90

Nonaccrual

Reserves

Nonaccrual

Reserves

Memphis Area

21,925

12,583

903

8,439

2,028

38.5%

9.25%

North Mississippi

6,074

295

100.0%

4.86%

Little Rock

17,823

15,056

1,593

144

1,030

412

5.8%

2.31%

Northeast Ark.

3,245

2,741

504

115

15.5%

3.54%

Northwest Ark.

12,755

8,865

534

3,355

626

26.3%

4.91%

Total Pulaski

61,822

39,245

3,030

144

19,402

3,476

31.4%

5.62%

By Dollar Amount ($000)

# Of Days Past Due

Asset Quality

4Q07 Compared To 3Q07

($thousands)

3Q07

4Q07

3Q07

4Q07

3Q07

4Q07

Nonaccruals

2,994

3,545

13,197

32,562

16,191

36,107

OREO & Foreclosed

1,936

1,688

4,796

7,726

6,733

9,413

90+ Days Past Due

1,067

1,684

4,047

971

5,113

2,655

Nonperforming Assets

5,997

6,917

22,040

41,259

28,037

48,175

NPAs/Assets

0.17%

0.19%

1.61%

3.14%

0.58%

0.98%

NPAs/(Loans + OREO)

0.24%

0.26%

2.67%

5.06%

0.85%

1.40%

LLR/Loans

0.95%

0.93%

1.47%

1.72%

1.08%

1.12%

Net Charge-Offs/Loans

0.04%

0.12%

0.09%

0.14%

0.05%

0.12%

Past Dues:

30-89 Days Past Due

6,197

10,042

9,030

8,202

15,227

18,244

90+ days Past Due

1,067

1,684

4,047

971

5,113

2,655

Nonaccual

Loans

2,994

3,545

13,197

32,562

16,191

36,107

Total 30+ Past Dues

10,258

15,271

26,274

41,735

36,531

57,006

% Loans

0.41%

0.58%

3.04%

4.93%

1.10%

1.66%

Loan Mix:

Commercial

53.3%

55.4%

63.9%

63.0%

55.3%

56.7%

Consumer

14.0%

13.6%

22.5%

22.8%

16.4%

16.0%

Mortgage

20.6%

19.5%

7.4%

7.2%

17.6%

16.8%

Business Banking

2.4%

2.3%

0.0%

1.8%

Indirect

9.7%

9.2%

0.0%

7.3%

7.0%

Credit Cards

0.0%

6.2%

7.0%

1.6%

1.7%

Total Loans

100.0%

IBERIABANK

Pulaski

IBERIABANK Corp.

100.0%

Asset Quality

Trends –

Entity NPA & Past Dues

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

$Chg

6/30/06

9/30/06

12/31/06

3/31/07

6/30/07

9/30/07

12/31/07

Last Qtr.

Nonaccrual

Louisiana

4,340

2,904

2,701

3,100

2,532

2,994

3,545

551

Pulaski

12,456

11,718

13,197

32,562

19,365

Consolidated

4,340

2,904

2,701

15,556

14,250

16,191

36,107

19,916

OREO & Foreclosed Assets

Louisiana

287

1,177

2,008

2,439

1,769

1,937

1,688

(249)

Pulaski

911

2,497

4,796

7,702

2,906

Consolidated

287

1,177

2,008

3,350

4,266

6,733

9,390

2,657

Accruing 90+ Days Past Due

Louisiana

1,469

1,873

310

253

914

1,067

1,684

617

Pulaski

142

1,670

4,046

971

(3,075)

Consolidated

1,469

1,873

310

395

2,584

5,113

2,655

(2,458)

Total NPAs

Louisiana

6,096

5,954

5,019

5,793

5,215

5,998

6,917

919

Pulaski

13,509

15,885

22,039

41,234

19,195

Consolidated

6,096

5,954

5,019

19,302

21,100

28,037

48,151

20,114

NPAs

/ Total Assets

Louisiana

0.20%

0.19%

0.16%

0.18%

0.16%

0.17%

0.19%

Pulaski

n.m.

0.98%

1.15%

1.61%

3.14%

Consolidated

0.20%

0.19%

0.16%

0.42%

0.45%

0.58%

0.98%

30-89 Days Past Due

Louisiana

5,309

4,261

5,303

11,060

6,671

6,197

10,042

3,845

Pulaski

8,055

10,592

9,030

8,202

(828)

Consolidated

5,309

4,261

5,303

19,116

17,263

15,227

18,244

3,017

30-89 Days PDs

/ Loans

Louisiana

0.26%

0.20%

0.24%

0.49%

0.28%

0.25%

0.38%

Pulaski

n.m.

1.05%

1.33%

1.05%

0.97%

Consolidated

0.26%

0.20%

0.24%

0.63%

0.54%

0.46%

0.53%

Asset Quality

Trends –

Entity LLR & Net COs

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

$Chg

6/30/06

9/30/06

12/31/06

3/31/07

6/30/07

9/30/07

12/31/07

Last Qtr.

Loan Loss Reserve*

Louisiana

36,419

33,954

29,922

29,968

27,999

23,669

24,417

748

Pulaski

8,743

9,827

12,044

13,868

1,824

Consolidated

36,419

33,954

29,922

38,711

37,826

35,713

38,285

2,572

LLR / Total Loans

Louisiana

1.79%

1.56%

1.34%

1.32%

1.17%

0.95%

0.93%

Pulaski

n.m.

1.14%

1.24%

1.47%

1.72%

Consolidated

1.79%

1.56%

1.34%

1.28%

1.19%

1.08%

1.12%

Net Charge-Offs

Louisiana

117

134

230

750

520

Pulaski

110

160

190

279

Consolidated

117

164

294

420

1,029

609

Net COs/Avg

Loans

Louisiana

0.02%

0.01%

0.02%

0.01%

0.02%

0.04%

0.12%

Pulaski

n.m.

0.09%

0.08%

0.09%

0.14%

Consolidated

0.02%

0.01%

0.02%

0.04%

0.05%

0.12%

LLR Coverage Of NPAs

Louisiana

597%

570%

596%

517%

537%

395%

353%

Pulaski

n.m.

65%

62%

55%

34%

Consolidated

597%

570%

596%

201%

179%

127%

80%

Does not include loan discounts associated with acquisitions.

Asset Quality

Loan Mix And 30 Days+ Past Due

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

6/30/06

9/30/06

12/31/06

3/31/07

6/30/07

9/30/07

12/31/07

% of Outstandings

Commercial

47.5%

49.3%

51.7%

53.9%

54.8%

55.3%

56.7%

Mortgage

23.8%

23.5%

21.4%

20.3%

17.9%

17.6%

16.8%

Consumer

14.6%

13.9%

13.8%

14.8%

16.4%

16.0%

Indirect

11.2%

10.5%

10.2%

7.5%

7.4%

7.3%

7.0%

Business Banking

2.6%

2.4%

2.5%

1.9%

1.8%

Credit Cards

0.4%

1.6%

1.7%

Total Loans

100.0%

Past Due 30+ Days*

Commercial

0.19%

0.22%

0.19%

1.30%

1.02%

1.21%

1.95%

Mortgage

0.76%

0.38%

0.28%

1.29%

1.06%

0.82%

1.06%

Consumer

0.91%

0.80%

0.76%

0.79%

1.54%

1.39%

1.74%

Indirect

0.76%

0.83%

0.90%

0.66%

0.65%

0.66%

1.21%

Business Banking

1.83%

0.65%

0.58%

0.43%

0.59%

0.04%

0.11%

Credit Cards

2.20%

1.31%

1.12%

0.72%

0.70%

0.94%

0.82%

Total Loans

0.54%

0.41%

0.37%

1.15%

1.07%

1.10%

1.66%

Louisiana

0.54%

0.41%

0.37%

0.64%

0.42%

0.41%

0.59%

Pulaski

n.m.

2.70%

3.02%

3.04%

4.93%

Consolidated

0.54%

0.41%

0.37%

1.15%

1.07%

1.10%

1.66%

Includes nonaccruing

loans

Asset Quality

Loan Loss Reserve

Louisiana Franchise –

Improved Situation

•

85% Of LA Loan Portfolio Is In South Louisiana

•

South Louisiana Credits Performing Very Well

•

Classified Assets And NPAs Remain Strong

•

Recorded A $1.5 Million Loan Loss Provision In 4Q07

Pulaski Franchise –

Mixed Situation

•

Most Of Loan Portfolio Is In Very Good Shape

•

Some Construction Portfolio Deterioration

•

Aggressively Addressing Potential Problems

•

Recorded $2.1 Million Loan Loss Provision in 4Q07

Continued High LL Provision To

Support Strong Loan Growth

$1 Million In Net Charge-Offs In

4Q07 (0.12% Loans) & $1.2 Million

For Change In Asset Quality

3Q07

4Q07

Net Charge-Offs

420

1,029

Loan Growth

1,378

1,375

Change In Asset Quality

(3,491)

1,198

Loan Loss Provision

(1,693)

3,602

Net Charge-Offs/Avg. Loans

0.05%

0.12%

Loan Loss Reserve/Loans

1.08%

1.12%

Financial Overview

Favorable Balance Sheet Growth

•

Loans Up $123mm (+4%)

Commercial +$115mm

Consumer +$13mm

Mortgage -$5mm

•

Deposits Up $35mm (+1%)

Nonint-Bear +$9mm

Int-Bearing +$27mm

•

Loan/Deposits = 98%

•

Equity Up $16mm (+3%)

•

Equity/Assets = 10.13%

•

Tier 1 Leverage = 7.42%

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

Loans

Deposits

Quarterly Averages

Annual Average Balances

-1%

20%

22%

34%

18%

15%

12%

11%

14%

16%

46%

56%

36%

42%

55%

46%

52%

43%

45%

52%

Financial Overview

Investment Portfolio

Total Portfolio Composition

9.1%

11.6

67.8%

11.5%

Fixed Agency

CMO

MBS

Municipals

Municipal Portfolio

2.8%

19.3%

19.5%

6.5%

15.1%

36.9%

ACA

AMBAC

FGIC

FSA

MBIA

None

Municipals

Fixed Agencies

CMOs

MBS

71% supported

by state of issue

(AA or better)

None

Yield

Dur.

Fixed Agency

5.17%

0.8

CMO

5.11%

3.3

MBS

5.18%

3.6

Municipals

6.38%

4.4

Total

5.32%

3.1

Muni Breakdown:

44%

14%

Other

12%

Total

100%

Base

Blue

Forward

Change In:

-200 bp

-100 bp

Case

+100 bp

+200 bp

Chip

Curve

Net Interest

Income

-1%

-3%

Economic

Value of

Equity

-9%

-3%

Financial Overview

Interest Rate Simulations

Source: Bancware

Source: Bancware

Bancware

model, as of December 31, 2007

Slightly Liability Sensitive

Degree Is A Function Of The Reaction Of Competitors To

Changes In Deposit Pricing

Projected Benefit Associated With Forward Curve

Financial Overview

Recent Rate Movements

Short-Term Interest Daily Rates

3.65%

3.93%

3.07%

2.75%

3.00%

3.25%

3.50%

3.75%

4.00%

4.25%

4.50%

4.75%

5.00%

5.25%

5.50%

5.75%

6.00%

Overnight Repo Rate

LIBOR (3-Mo)

T-Bills (3-Mo)

3-Month

LIBOR

Overnight Repo

3-Month T-

Bill

Declining

Interest Rate

Environment

Futures

Markets

Suggest

Significant

Fed Cuts

Expected

Since Early

August, Still

Exists A

Substantial

Market

Dislocation,

Though

Improving

Source: Bloomberg on January 17, 2008

Financial Overview

Trends -

Mortgage Interest Rates

Source: National Home Builders Association

Mortgage Interest Rate Trend

3.00

3.50

4.00

4.50

5.00

5.50

6.00

6.50

7.00

30-year

15-year

5/1 ARM

Adjustable

Rising

Interest Rate

Environment

In 2005-06

Spike Up In

Mid-2007

And Rapid

Decline

Since Then

Mortgage

Rates Have

Converged

Significant

Pick-up In

Refinance

Activity (48%

Recently)

Financial Overview

Mortgage Quarterly Revenues

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

$4.5

$5.0

$5.5

$6.0

$6.5

2003

2004

2005

2006

2007

Mortgage Gains On Sale Of Loans

1st Qtr

2nd Qtr

3rd Qtr

4th Qtr

Assumes Pulaski's acquisition of IBERIABANK Mortgage beginning in February 2007

Closed $987

Million In

Mortgage

Loans In 2007

In 2007, Pulaski

Mortgage

Volume Down

8% Vs. 2006

IBERIABANK

Mortgage +27%

And 50 Bps.

Better Pricing

In Secondary

Market

$82 Million

Locked Pipeline

On 1/18/08

Financial Overview

Title Insur. Quarterly Revenues

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

$4.5

$5.0

$5.5

$6.0

$6.5

2003

2004

2005

2006

2007

Title Insurance Revenues

1st Qtr

2nd Qtr

3rd Qtr

4th Qtr

Includes the acquisition of United Title beginning in April 2007

Total Of 14,634

Closings (+9%

vs. 2006)

Revenues Of

$18 Million

(+22% vs. 2006)

256 Full-Time

Employees And

30 Offices

Completed And

Integrated

United Title Of

Louisiana In

April 2007

Financial Overview

Profitability -

Quarterly EPS

Reported Margin

Improvement To

3.18% (+6 bp)

Net Income Of

$10.1mm (-17%)

4Q07 EPS of $0.79

(-16% Vs. 3Q07)

T/E Net Interest Margin

Month

Quarterly

Dec.

2Q07

3Q07

4Q07

2007

Reported Margin

3.09%

3.12%

3.18%

3.15%

Nonaccrual

Impact

0.03%

0.08%

Trust Preferred Impact

0.01%

0.02%

Adjusted Margin

3.09%

3.12%

3.22%

3.25%

Non-GAAP Pro Forma Net Income And EPS

1Q 2007

2Q 2007

3Q 2007

4Q 2007

(After-tax; Dollars in thousands)

Net Income As Reported

$9,155

$10,027

$12,061

$10,067

Add: Merger-related And Severance Costs

873

1,930

151

289

Add: Impact of FAS 123R and 133

193

117

312

265

Net Income –

Guidance Basis

$10,221

$12,074

$12,524

$10,621

(After-tax; Per share basis)

Fully Diluted EPS As Reported

$0.76

$0.78

$0.94

$0.79

Add: Merger-related And Severance Costs

0.06

0.14

0.01

0.02

Add: Impact of FAS 123R and 133

0.02

0.01

0.02

EPS –

Guidance Basis

$0.84

$0.93

$0.98

$0.83

Markets -

Branches

Branch Expansion Initiative

Period-End Loan And Deposit Volumes

14 Offices

New Orleans

Pan Am Office

Opened On

Sept. 14th

4Q07 Loans

Of $78 mm

(+100% YTD)

4Q07

Deposits Of

$94 mm

(+132% YTD)

4Q07 EPS Of

-$0.05

$10

$20

$30

$40

$50

$60

$70

$80

2Q05

3Q05

4Q05

1Q06

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

Deposits

Loans

Markets –

Local Economies

Oil & Gas Impact

Source: Bloomberg on January 17, 2008

$2.00

$4.00

$6.00

$8.00

$10.00

$12.00

$14.00

$16.00

$18.00

$20.00

$10.00

$20.00

$30.00

$40.00

$50.00

$60.00

$70.00

$80.00

$90.00

$100.00

Natural Gas (Left Scale)

Crude Oil (Right Scale)

Markets –

Local Economies

Oil & Gas –

Louisiana

The Gulf Of Mexico

Accounts For:

1/3 Of U.S. Oil

Production

20% Of U.S. Natural

Gas Production

LA Ranks

LA Ranks 4

In U.S. Crude Oil Production

2 of 4 U.S. Strategic Petro Reserves in LA

LA Processes 1/5 Of Foreign Crude In US

Highest Petro Products Processed

LA Ranks 2

In Natural Gas Production

Markets –

Local Economies

Big Local Economic Influences

Fayetteville Shale Play (10 Counties In Arkansas)

•

Estimated Benefit Over 10-15+ Years

•

2003-05: $158MM Direct; $190MM Total

•

2005-08 Estimated: $3.8 Bil. Direct; $5.5 Bil. Total

•

Estimated: 9,683 Jobs And Add $358MM In Taxes

Katrina/Rita Rebuilding (South Louisiana)

•

Latest Cost Estimate: $127 Billion

•

Average Of $425,000 Per Person

Cyberspace Command (Shreveport/Bossier City, LA)

•

Current “Provisional HQ”; In The Running For Final

•

Estimated: 10,000+ Jobs With Avg. Salary = $70,000

Markets –

Local Economies

Unemployment –

State Trends

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

10.0%

11.0%

U.S.

Louisiana

Arkansas

Source: U.S. Department of Labor, Bureau of Labor Statistics

Unemploy.

Rate Above US

Average, But

Some MSAs

Are

Favorable:

Unemploy.

Rate Below US

Average; Most

MSAs

Are Very

Strong

AR =

5.2%

LA =

3.2%

Katrina

•

NW Ark = 3.6%

•

Little Rock = 4.3%

•

Jonesboro = 5.1%

•

Memphis = 5.2%

US =

4.8%

Markets –

Local Economies

Unemployment –

LA Markets

4.8%

2.3%

2.9%

3.4%

3.5%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

U.S.

Lafayette

Baton Rouge

New Orleans

Monroe

Shreveport

Source: U.S. Department of Labor, Bureau of Labor Statistics

All LA MSAs

Experienced

Declining

Unemploy.

Rates

Lafayette,

Baton Rouge

And Houma

Amongst The

Lowest In

The US In

Nov. 2007

Drivers

Include

Katrina

Rebuild &

Energy

Sector

Markets –

Local Economies

Unemployment –

Vs. U.S. MSAs

Source: U.S. Department of Labor, Bureau of Labor Statistics

Ranking 369 U.S. MSAs

November

2007

Unemployment

Rates

1.0

2.0

3.0

4.0

5.0

6.0

7.0

8.0

9.0

10.0

11.0

12.0

13.0

14.0

101111121131141151161171181191201211221231241251261271281291301311321331341351361

4.5%

U.S. Average = 4.5%

#4 Houma, LA 2.2%

#6 Lafayette, LA 2.3%

#29 Baton Rouge, LA 2.9%

Tie #35 Alexandria, LA & Lake

Charles, LA 3.0%

#75 New Orleans, LA 3.4%

Tie #88 Monroe, LA & Shreveport, LA 3.5%

#98 Fayetteville-Springdale-Rogers, AR 3.6%

#175 Little Rock, AR 4.3%

#273 Jonesboro, AR 5.1%

#278 Memphis, TN 5.2%

Markets -

Housing

Change In Building Permits

Building Permits - Change 2007 Vs. Peak

New Orleans

333rd

6.7%

Lake Charles

321st

-4.0%

NW Ark

68th

-56.8%

Little Rock

175th

-36.7%

Jonesboro

238th

-27.1%

Baton Rouge

243rd

-26.3%

Lafayette

257th

-23.6%

Monroe

276th

-18.7%

Memphis

279th

-18.0%

-125%

-100%

-75%

-50%

-25%

25%

50%

75%

100%

125%

150%

100

120

140

160

180

200

220

240

260

280

300

320

340

360

380

MSAs - Rank

Courtesy of FIG Partners; data derived from report dated October

15, 2007

Markets -

Housing

Foreclosures & High-Rate Loans

High-Rate

State

% Change

Loans As %

Rank

Jul-07

Aug-07

Sep-07

Sep 06-07

Total Loans

United States

693

510

557

99%

Tennessee

748

569

654

46%

24%

Arkansas

1,196

1,219

929

20%

21%

Louisiana

3,484

2,824

3,135

78%

24%

Mississippi

7,354

7,534

7,627

105%

28%

Other:

Nevada

199

165

185

187%

29%

Florida

431

243

248

158%

32%

California

333

224

253

246%

24%

Michigan

320

288

314

82%

27%

Sources:

RealtyTrac

WSJ, 10/11/07

# Of Households For Each

Foreclosure (Higher The

Better)

Foreclosure Trends In Our Markets Are More

Favorable, Except In Memphis

Markets -

Housing

Local –

Lafayette Home Prices

Lafayette

Housing

Prices Rose

Less Than

National

Average

And Well

Below Hot

Markets

Current

Absolute

Median

Price Level

Is One-

Third Below

National

Average

Median Home Prices

$208,700

$138,400

$222,300

$80,000

$90,000

$100,000

$110,000

$120,000

$130,000

$140,000

$150,000

$160,000

$170,000

$180,000

$190,000

$200,000

$210,000

$220,000

$230,000

$240,000

1999

2000

2001

2002

2003

2004

2005

2006

2007

Lafayette

U.S. Median

US vs. Laf

+32%

US:

+61%

Laf:

+49%

Markets -

Housing

Local –

Lafayette Home Inventory

Acadiana

Housing

Inventory

Edged Up

Slightly In

September

2007

Despite

Slightly

Higher

Inventories,

Figures

Remain At

About One-

Half The

National

Average

2.8

3.7

4.2

5.7

6.3

7.1

3.7

4.5

5.1

4.5

5.4

4.5

9.4

9.8

8.8

4.7

5.6

5.8

Lafayette-

Resales

Lafayette-

New

Construction

Lafayette-All

Properties

Iberia Parish

St. Landry

Parish

All Acadiana

Parishes

Months Supply Residential Homes (June-November 2007)

Jun-07

Sep-07

Nov-07

Source: Van Eaton & Romero, The Acadiana Residential Real Estate Market

Summary Of IBKC

Industry Operating Environment--Challenging

•

Housing

•

Credit Risk

•

Interest Rate Risk

•

Operations Risk

We Tend To Move “Ahead Of The Curve”

Focus On Long-Term Investments & Payback

Organic And External Growth

Both Expense Control And Revenue Growth

EPS/Stock Price Linkage -

Shareholder Focus

Favorable Risk/Return Compared To Peers