Supplemental Materials to Second Quarter Earnings Conference Call

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, Balanced Organic And Acquisition Growth

Significant Asset Quality Improvement This Quarter

Optimistic About Operating Leverage Opportunities

Favorable Interest Rate And Credit Risk Positioning

ANB Acquisition Complete; Conversion This Month

Deposit Campaign & ANB: Margin/Earnings Pressure

Memphis Will Be A Very Good Growth Engine

We Avoided What Ails The Banking Industry

Unique And Well Positioned For Future Opportunities

Introductory Comments

Distinctively Different

One Of Oldest Banks In LA -

March 12, 1887

No Toxic Investments

Positioned Well For Mortgage Refinancing Wave

Stable And Countercyclical Markets

Strong Tailwinds –

Energy And Katrina Rebuild

Favorable Competitive Dynamics

Extremely Small C&D Exposure

Taking Corrective Action Early & Aggressively

Delivering On Long-Term Investments

Growth Opportunities

Asset

Quality

Pulaski

Builder

Exposure

# Of Loans

$ Funded

% Of Line

Average

Funded

Committed

%Total

Funded

$ Funded

Builder Loans

Memphis Area

16,044

16,499

35.7%

97%

203,086

North Mississippi

4,028

9.0%

100%

191,832

Little Rock

13,263

13,947

29.5%

95%

186,804

Northeast Ark.

3,103

3,427

6.9%

91%

124,117

Northwest Ark.

8,451

8,675

18.8%

97%

120,735

Total

44,890

46,577

266

100.0%

96%

168,758

On 3/31/08

53,321

55,464

307

100.0%

96%

173,683

By Dollar Amount ($000)

Development

Lot

House <100%

House 100%

Development

House <100%

House 100%

Loans

Complete

Loans

Lots

Complete

Memphis Area

2,051

4,102

444

9,447

North Mississippi

484

3,544

Little Rock

2,275

762

1,580

8,646

Northeast Ark.

1,021

522

1,560

Northwest Ark.

1,376

260

6,816

Total

4,326

7,745

2,806

30,013

200

176

On 3/31/08

4,718

9,051

4,720

34,832

174

199

% Of Total -

6/30/08

10%

17%

67%

50%

44%

% Of Total -

3/31/08

17%

65%

43%

49%

By Dollar Amount ($000)

Number

% Balance

Funded

Loans

Discounts &

Balance

Current

30-59

60-89

> 90

Nonaccrual

Reserves

Nonaccrual

Reserves

Builder Loans

Memphis Area

16,044

8,556

427

343

6,718

1,864

41.9%

11.62%

North Mississippi

4,028

557

100.0%

13.84%

Little Rock

13,263

8,960

974

3,328

429

25.1%

3.23%

Northeast Ark.

3,103

1,558

392

1,153

215

37.2%

6.94%

Northwest Ark.

8,451

5,460

1,787

440

764

823

9.0%

9.74%

Total

44,890

24,534

3,188

1,175

15,993

3,888

35.6%

8.66%

On 3/31/08

53,321

29,115

5,198

1,076

514

17,419

3,855

32.7%

7.23%

By Dollar Amount ($000)

# Of Days Past Due

Asset Quality

2Q08 Compared To Prior Quarters

($thousands)

4Q07

1Q08

2Q08

4Q07

1Q08

2Q08

4Q07

1Q08

2Q08

Nonaccruals

3,545

4,408

6,295

32,562

29,698

24,534

36,107

34,107

30,829

OREO & Foreclosed

1,688

2,164

850

7,726

7,560

8,862

9,413

9,724

9,712

90+ Days Past Due

1,684

1,437

867

971

2,394

501

2,655

3,831

1,367

Nonperforming Assets

6,917

8,009

8,012

41,259

39,652

33,897

48,175

47,662

41,908

NPAs/Assets

0.19%

0.22%

3.14%

2.73%

2.12%

0.98%

0.93%

0.79%

NPAs/(Loans + OREO)

0.26%

0.30%

0.29%

5.06%

5.03%

4.10%

1.40%

1.39%

1.18%

LLR/Loans

0.93%

0.92%

1.72%

1.89%

1.81%

1.12%

1.14%

1.12%

Net Charge-Offs/Loans

0.12%

0.10%

0.04%

0.14%

0.58%

0.35%

0.12%

0.21%

0.11%

Past Dues:

30-89 Days Past Due

10,042

9,604

7,842

8,202

9,725

8,722

18,244

19,329

16,564

90+ days Past Due

1,684

1,437

867

971

2,394

501

2,655

3,831

1,367

Nonaccual

Loans

3,545

4,408

6,295

32,562

29,698

24,534

36,107

34,107

30,829

Total 30+ Past Dues

15,271

15,449

15,004

41,735

41,817

33,756

57,006

57,267

48,760

% Loans

0.58%

0.55%

4.93%

4.99%

3.88%

1.66%

1.69%

1.38%

Loan Mix:

Commercial

55.4%

55.7%

54.2%

63.0%

65.3%

65.8%

56.7%

57.1%

56.2%

Consumer

13.6%

13.9%

14.5%

22.8%

16.0%

16.3%

16.7%

Mortgage

19.5%

19.0%

18.1%

7.2%

6.6%

16.8%

16.6%

15.8%

Business Banking

2.3%

4.1%

0.0%

1.2%

1.1%

1.8%

2.1%

3.4%

Indirect

9.2%

9.1%

0.0%

7.0%

Credit Cards

0.0%

7.0%

3.5%

3.7%

1.7%

0.9%

Total Loans

100.0%

IBERIABANK Corporation

IBERIABANK

Pulaski Bank & Trust

Asset Quality

Trends –

Entity NPAs & Past Dues

(Dollars in $000s)

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

$Chg

12/31/06

3/31/07

6/30/07

9/30/07

12/31/07

3/31/08

6/30/08

Last Qtr.

Nonaccrual

Louisiana

2,701

3,100

2,532

2,994

3,545

4,408

6,295

1,887

Pulaski

12,456

11,718

13,197

32,562

29,698

24,534

(5,164)

Consolidated

2,701

15,556

14,250

16,191

36,107

34,107

30,829

(3,278)

OREO & Foreclosed Assets

Louisiana

2,008

2,439

1,769

1,937

1,688

2,164

850

(1,314)

Pulaski

911

2,497

4,796

7,726

7,560

8,862

1,302

Consolidated

2,008

3,350

4,266

6,733

9,414

9,724

9,712

(12)

Accruing 90+ Days Past Due

Louisiana

310

253

914

1,067

1,684

1,437

867

(570)

Pulaski

142

1,670

4,046

971

2,394

501

(1,893)

Consolidated

310

395

2,584

5,113

2,655

3,831

1,367

(2,464)

Total NPAs

Louisiana

5,019

5,793

5,215

5,998

6,917

8,009

8,012

Pulaski

13,509

15,885

22,039

41,258

39,653

33,896

(5,757)

Consolidated

5,019

19,302

21,100

28,037

48,176

47,662

41,908

(5,754)

NPAs

/ Total Assets

Louisiana

0.16%

0.18%

0.16%

0.17%

0.19%

0.22%

Pulaski

n.m.

0.98%

1.15%

1.61%

3.13%

2.73%

2.12%

Consolidated

0.16%

0.42%

0.45%

0.58%

0.98%

0.93%

0.79%

30-89 Days Past Due

Louisiana

5,303

11,060

6,671

6,197

10,042

9,604

7,842

(1,762)

Pulaski

8,055

10,592

9,030

8,202

9,725

8,722

(1,003)

Consolidated

5,303

19,116

17,263

15,227

18,244

19,329

16,564

(2,765)

30-89 Days PDs

/ Loans

Louisiana

0.24%

0.49%

0.28%

0.25%

0.38%

0.36%

0.29%

Pulaski

n.m.

1.05%

1.33%

1.05%

0.97%

1.25%

1.01%

Consolidated

0.24%

0.63%

0.54%

0.46%

0.53%

0.56%

0.47%

Asset Quality

Trends –

Entity LLR & Net COs

(Dollars in $000s)

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

$Chg

12/31/06

3/31/07

6/30/07

9/30/07

12/31/07

3/31/08

6/30/08

Last Qtr.

Loan Loss Reserve*

Louisiana

29,922

29,968

27,999

23,669

24,417

24,434

24,962

528

Pulaski

8,743

9,827

12,044

13,868

14,769

14,791

Consolidated

29,922

38,711

37,826

35,713

38,285

39,203

39,753

550

LLR / Total Loans

Louisiana

1.34%

1.32%

1.17%

0.95%

0.93%

0.92%

Pulaski

n.m.

1.14%

1.24%

1.47%

1.72%

1.89%

1.81%

Consolidated

1.34%

1.28%

1.19%

1.08%

1.12%

1.14%

1.12%

Net Charge-Offs

Louisiana

134

230

678

283

(395)

Pulaski

110

160

190

178

1,100

702

(398)

Consolidated

164

294

420

408

1,778

985

(793)

Net COs/Avg

Loans

Louisiana

0.02%

0.01%

0.02%

0.04%

0.12%

0.10%

0.04%

Pulaski

n.m.

0.09%

0.08%

0.09%

0.14%

0.58%

0.35%

Consolidated

0.02%

0.04%

0.05%

0.12%

0.21%

0.11%

LLR Coverage Of NPAs

Louisiana

596%

517%

537%

395%

353%

305%

312%

Pulaski

n.m.

65%

62%

55%

34%

37%

44%

Consolidated

596%

201%

179%

127%

79%

82%

95%

Does not include loan discounts associated with acquisitions.

Asset Quality

Loan Mix And 30 Days+ Past Due

(Dollars in $000s)

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

12/31/06

3/31/07

6/30/07

9/30/07

12/31/07

3/31/08

6/30/08

% of Outstandings

Commercial

51.7%

53.9%

54.8%

55.3%

56.7%

57.1%

56.2%

Mortgage

21.4%

20.3%

17.9%

17.6%

16.8%

16.6%

15.8%

Consumer

13.8%

14.8%

16.4%

16.0%

16.3%

16.7%

Indirect

10.2%

7.5%

7.4%

7.3%

7.0%

Business Banking

2.5%

1.9%

1.8%

2.1%

3.4%

Credit Cards

0.4%

1.6%

1.7%

0.9%

Total Loans

100.0%

Past Due 30+ Days*

Commercial

0.19%

1.30%

1.02%

1.21%

1.95%

2.00%

1.60%

Mortgage

0.28%

1.29%

1.06%

0.82%

1.06%

0.90%

0.95%

Consumer

0.76%

0.79%

1.54%

1.39%

1.74%

1.66%

1.45%

Indirect

0.90%

0.66%

0.65%

0.66%

1.21%

0.97%

0.75%

Business Banking

0.58%

0.43%

0.59%

0.04%

0.11%

1.30%

0.75%

Credit Cards

1.12%

0.72%

0.70%

0.94%

0.82%

1.44%

1.02%

Total Loans

0.37%

1.15%

1.07%

1.10%

1.66%

1.69%

1.38%

Louisiana

0.37%

0.64%

0.42%

0.41%

0.59%

0.55%

Pulaski

n.m.

2.70%

3.02%

3.04%

4.93%

4.99%

3.88%

Consolidated

0.37%

1.15%

1.07%

1.10%

1.66%

1.69%

1.38%

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

•

$0.8 Million Loan Loss Provision In 2Q08 (1Q08 = $0.7 Million)

Pulaski Franchise –

Mixed Situation

•

Most Of Loan Portfolio Is In Very Good Shape

•

Construction Portfolio Improving

•

Aggressively Addressing Potential Problems

•

$0.7 Million Loan Loss Provision in 2Q08 (1Q08 = $2.0 Million)

$1.0 Million In Net Charge-

Offs In 2Q08 (0.11% Loans)

Reversal In “Change In

Asset Quality”

Due To

Loan Sale In 2Q08

3Q07

4Q07

1Q08

2Q08

Net Charge-Offs

420

1,029

1,803

960

Loan Growth

1,378

1,375

(63)

1,302

Change In Asset Quality

(3,491)

1,198

955

(725)

Loan Loss Provision

(1,693)

3,602

2,695

1,537

Net Charge-Offs/Avg. Loans

0.05%

0.12%

0.22%

0.11%

Loan Loss Reserve/Loans

1.08%

1.12%

1.14%

1.12%

Asset Quality

C&D Loans

Compared To

Peers

Source: SNL, using most recent quarterly information

One Of The Lowest

Levels Of C&D Loan

Exposure Compared

To Peers

One Of The Highest

Levels Of C&D

Nonaccrual Loans

Addressing C&D

Exposure Assertively

14%

16%

17%

18%

23%

32%

37%

40%

10%

15%

20%

25%

30%

35%

40%

IBKC

SFNC

CCBG

TRMK

HBHC

BXS

WTNY

SBCF

OZRK

UCBI

Construction & Land Development Loans / Total Loans

(Most Recent Quarter Information)

10%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

10.0%

11.0%

BXS

OZRK

UCBI

SFNC

HBHC

WTNY

CCBG

TRMK

SBCF

IBKC

C&D Nonaccruals / Total C&D Loans

(Most Recent Quarter Information)

Note: Includes commercial construction and land development loans

Asset Quality

Commercial Real Estate Portfolio

IBERIABANK

Pulaski

Bank

TOTAL

Non-Owner

Occupied

Current

453.3

183.8

637.1

Past Due

4.6

Nonaccrual

0.9

18.6

19.5

Total

454.2

207.0

661.2

% Nonaccrual

0.19%

8.98%

2.94%

Owner

Occupied

Current

559.6

143.7

703.3

Past Due

1.9

0.5

2.5

Nonaccrual

2.3

1.8

4.1

Total

563.8

146.0

709.9

% Nonaccrual

0.41%

1.21%

0.58%

Total CRE

1,018.0

353.0

1,371.0

% Nonaccrual

0.31%

5.77%

1.72%

Consumer Portfolio

By Product –

Credit Quality

Note: Excludes Credit Cards

Volume

Score

Volume

Score

Volume

Score

Direct Consumer

335.6

718

178.7

719

514.3

718

HELOC

85.4

725

14.3

736

99.7

727

Home Equity Loans

173.7

726

141.2

723

314.9

725

Unsecured

36.6

687

7.8

685

44.4

687

Other Secured

39.9

694

15.4

690

55.3

693

Indirect Auto

220.8

707

220.8

707

Total

892.0

715

357.4

719

1,249.4

716

Consumer Portfolio - Product Type And Average Score

IBERIABANK

Pulaski

IBERIABANK Corp

Score

Intervals

Direct

Consumer

HELOC

Home

Equity

Loans

Unsecured

Other

Secured

Indirect

Auto

Total

800 +

12%

10%

14%

11%

12%

750 -

799

30%

29%

32%

20%

24%

28%

700 -

749

22%

28%

23%

22%

20%

19%

22%

650 -

699

16%

19%

18%

17%

600 -

649

13%

12%

10%

550 -

599

500 -

549

450 -

499

400 -

449

Other

Total

100%

Avg. Score

718

727

725

687

693

707

716

Consumer Portfolio -

Score Distribution By Product

Consumer

Portfolio

Product Credit

Quality

Exceptional

Quality & Good

2Q08 Trends

$75mm in 2

Mortgages (Only

0.45% Past Due)

$48mm Of 2

Mortgages Are

Insured Up To

10% ($4.8mm)

6/30/07

9/30/07

12/31/07

3/31/08

6/30/08

Home Equity Lines of Credit

30 to 59 Days Past Due

0.28%

0.63%

0.44%

1.10%

0.34%

60 to 89 Days Past Due

0.07%

0.09%

0.15%

0.04%

0.02%

Over 90 Days Past Due

0.00%

0.02%

0.00%

0.10%

0.06%

Total 30+ Days Past Due

0.36%

0.75%

0.59%

1.24%

0.43%

Net Charge-Offs

-0.10%

0.31%

0.12%

0.00%

0.02%

Home Equity Term Loans

30 to 59 Days Past Due

0.76%

0.71%

0.96%

0.85%

0.35%

60 to 89 Days Past Due

0.25%

0.15%

0.17%

0.07%

0.30%

Over 90 Days Past Due

0.29%

0.22%

0.13%

0.10%

0.11%

Total 30+ Days Past Due

1.29%

1.08%

1.26%

1.03%

0.77%

Net Charge-Offs

-0.01%

0.06%

-0.02%

0.04%

0.01%

Indirect Auto Loans

30 to 59 Days Past Due

0.33%

0.35%

0.71%

0.49%

0.34%

60 to 89 Days Past Due

0.05%

0.15%

0.08%

0.04%

Over 90 Days Past Due

0.01%

0.04%

0.12%

0.03%

0.07%

Non Accrual

0.28%

0.23%

0.27%

0.39%

0.33%

Total 30+ Days PD + NAs

0.67%

0.68%

1.24%

1.00%

0.78%

Net Charge-Offs

0.25%

0.14%

0.18%

0.45%

0.14%

Credit Card Loans

30 to 59 Days Past Due

0.21%

0.42%

0.36%

0.49%

0.35%

60 to 89 Days Past Due

0.14%

0.16%

0.10%

0.26%

0.30%

Over 90 Days Past Due

0.35%

0.36%

0.68%

0.37%

Total 30+ Days Past Due

0.70%

0.94%

0.82%

1.44%

1.02%

Net Charge-Offs

0.99%

1.81%

0.71%

2.95%

1.57%

Other Consumer Loans

30 to 59 Days Past Due

0.90%

1.10%

1.53%

1.63%

1.20%

60 to 89 Days Past Due

0.25%

0.15%

0.36%

0.29%

0.90%

Over 90 Days Past Due

0.25%

0.04%

0.15%

0.14%

0.10%

Total 30+ Days Past Due

1.40%

1.29%

2.04%

2.05%

2.20%

Net Charge-Offs

0.27%

0.82%

0.69%

0.66%

1.36%

Consumer Portfolio -

Quarterly Credit Statistics

Loans Past Due As % Of Product Loans

Financial Overview

Favorable Balance Sheet Growth

2Q08 Results

•

Loans +$116mm, +3%

•

Deposits +$225mm +6%

•

Loan/Deposits = 88%

•

Equity -$2mm, 0%

•

Equity/Assets = 9.57%

•

Tier 1 Leverage = 7.24%

•

Div Payout = 46%

•

ROA = 0.73%

•

ROE = 7.45%

•

ROTE = 15.70%

•

Efficiency Ratio = 72.9%

•

Tang Eff. Ratio = 69.9%

•

BV/Share = $39.49

•

Tang BV/Share = $19.27

$600

$1,000

$1,400

$1,800

$2,200

$2,600

$3,000

$3,400

$3,800

$4,200

Loans

Deposits

Quarterly Averages

Annual Average Balances

-1%

20%

17%

22%

34%

16%

18%

15%

12%

11%

14%

13%

16%

46%

56%

36%

42%

55%

46%

52%

43%

45%

52%

23%

15%

12%

Base

Blue

Forward

Change In:

-200 bp

-100 bp

Case

+100 bp

+200 bp

Chip

Curve

Net Interest

Income

-5%

-1%

Economic

Value of

Equity

-4%

-1%

Financial Overview

Interest Rate Simulations

Source: Bancware

Source: Bancware

Bancware

model, as of June 30, 2008

As Rates Have Fallen, Become Slightly Asset Sensitive

Degree Is A Function Of The Reaction Of Competitors To

Changes In Deposit Pricing

Forward Curve Has Little Projected Impact Over 12 Months

Financial Overview

Trends -

Mortgage Interest Rates

Source: National Home Builders Association

Mortgage

Rates Have

Converged

Since 2003

Spike Down

In Early 2008

Rates Have

Trended Up

Since Early

2008

Refinance

Activity

Slowed

Considerably

(For Us: 18%

Recently)

Mortgage Interest Rate Trend

6.35%

5.89%

5.18%

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

30-Year Fixed

Adjustable

5/1 ARM

15-Year Fixed

Financial Overview

Trends –

Jumbo Mortgage Rates

Source: Bloomberg on July 20, 2008

Subprime Mtg.

Market Gone

Alt-A Market Is

Stalled

Jumbo Market

Spreads Are

Very Wide

Shift From

These

Products To

FHA/VA &

Conforming

Almost Half Of

Our Production

Is Now FHA/VA

Weekly National 30-Year Mortgage Rates

6.31%

7.71%

5.00%

5.25%

5.50%

5.75%

6.00%

6.25%

6.50%

6.75%

7.00%

7.25%

7.50%

7.75%

8.00%

8.25%

Conforming

Jumbo

Financial Overview

Mortgage Quarterly Revenues

Closed $987mm

In Full Year 2007

In 2Q08 Closed

$268mm (+8%

Vs. 1Q08)

In 2Q08 Sold

$267mm (+16%

Vs. 1Q08)

2Q08 Vs. 1Q08:

+30% Increase

In Mortgage

Revenues

$70 Million

Locked Pipeline

On 6/30/08

$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

2008

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

Financial Overview

Title Insurance Qtrly

Revenues

Completed And

Integrated

United Title-LA

In April 2007

And American

Abstract In

March 2008

2007: 14,634

Closings (+9%)

& Revenues Of

$18mm (+22%)

2Q08: $5.5mm In

Revenues (+21%

Vs. 1Q08)

$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

2008

Title Insurance Revenues

1st Qtr

2nd Qtr

3rd Qtr

4th Qtr

Includes United Title in April 2007

Includes American Abstract in March 2008

Markets

Memphis Opportunity

$28 Billion Deposit

Memphis Market Is

A Unique Growth

Opportunity For Us

Large & Small

Banks Have

Experienced

Difficulties

We Recently

Recruited 5 New

Team Members

$19mm Deposits &

$62mm In Credits

(Funded/Unfunded

& In Pipeline)

Source: FDIC For Memphis MSA At June 30, 2007

Bank of

America

3.4%

BancorpSouth

3.4%

SunTrust

5.9%

Regions

12.7%

First Horizon

50.2%

Markets -

Branches

Branch Expansion Initiative

Period-End Loan And Deposit Volumes

14 Offices

2Q08 Loans

Of $116 mm

(+109% Over

1-Year)

2Q08

Deposits Of

$209 mm

(+142%

Over 1-

Year)

$25

$50

$75

$100

$125

$150

$175

$200

$225

2Q05

3Q05

4Q05

1Q06

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

Deposits

Loans

Markets –

Branches

Historical Office Optimization

Entered 3 New Markets

Acquired 12 Offices (All)

Closed/Consolidated 18

Offices (All Types)

Opened 10 New Bank

Offices

Opened 7 Mortgage

Offices

Divested/Sold 1 Office

5 Office Realignments

Entered 13 New Markets

Acquired 94 Offices (All)

Closed/Consolidated 17

Offices (All Types)

Opened 9 New Bank

Offices

Opened 6 Mortgage

Offices

Opened 1 Title Office

11 Office Realignments

1999 Through 2005

Since 2005

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 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

Haynesville Shale Play (Shreveport/Bossier City, LA)

•

Potential Significant Play In The Very Early Stages

Cyberspace Command (Shreveport/Bossier City, LA)

•

Current “Provisional HQ”; In The Running For Final

•

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

Katrina/Rita Rebuilding (South Louisiana)

•

Latest Cost Estimate: $127 Billion

•

Average Of $425,000 Per Person

Markets –

Local Economies

Housing’s Share Of State GDP

Source: NAHB; Figures represent 2005 levels as indicative of peak period

US Average: 16.6%

Arkansas: 12.4%

Mississippi: 12.1%

Louisiana: 9.4%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

Nevada

Hawaii

Florida

Arizona

California

Maryland

Colorado

Idaho

Montana

Oregon

New Jersey

Virginia

Washington

New

Vermont

Rhode Island

Utah

Maine

South Carolina

Massachusett

United States

Illinois

Minnesota

New York

Georgia

North Carolina

Wisconsin

Michigan

Connecticut

Tennessee

Pennsylvania

Missouri

New Mexico

Ohio

Indiana

Alabama

Kentucky

Kansas

Wyoming

West Virginia

Arkansas

Iowa

Oklahoma

Mississippi

Nebraska

Texas

Delaware

South Dakota

North Dakota

District of

Alaska

Louisiana

Housing Share Of State GDP

Nationwide,

Housing

Peaked In 2005

Housing Was A

Substantial

Contributor To

State Economic

Growth--Now

Working In

Reverse

Our Markets:

Minimal Impact

Markets -

Housing

Local –

Lafayette Home Inventory

Acadiana

Housing

Inventory

Declined In

The First

Half Of 2008

Remains

40% Below

The National

Average For

Housing

Supply

Source: Van Eaton & Romero and Bloomberg

Acadiana

Region -

Months Supply Of Housing

10.8

10.9

6.4

7.1

1.0

2.0

3.0

4.0

5.0

6.0

7.0

8.0

9.0

10.0

11.0

12.0

Sep 05

Mar 06

Dec 06

Feb 07

Jun 07

Sep 07

Oct 07

Nov 07

Dec 07

Feb 08

Mar 08

Jun 08

U.S. Average-Existing Homes

U.S. Average-New Homes

Lafayette-All Properties

All Acadiana

Parishes

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