Exhibit 99.2

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 -

Position

Favorable Balance Sheet Composition

Very Balanced; Core Funded; Low C&D Exposure

Continued Good Asset Quality; Extraordinary Capital

Favorable Interest Rate And Credit Risk Positioning

$29 Million Unrealized Gain In Investment Portfolio (up

from $16 million)

Future Growth Engines in Multiple Markets: TN, AL, TX

Strategic Recruits Hired During Quarter

We Avoided What Ails The Banking Industry

Remain Well Positioned For Future Opportunities

Introductory Comments

Strategic Goals & Priorities

•

Double-Digit Annual EPS Growth

•

ROTE Of 23% -

25%

•

Bank Tangible Efficiency < 50%

•

Top Quartile Asset Quality

•

Develop Memphis, Mobile & Houston

•

Deepen Share In Little Rock, Baton Rouge,

New Orleans, And Shreveport

•

Expand Investment Management Business

•

Provide Depth For Unusual Opportunities

•

Grind Our Way Through The Credit Cycle

Strategic

Goals

18-Month

Priorities

Introductory Comments

Summary –

3Q09

Good Loan And Deposit Growth

T/E Net Interest Income Up $2.6mm (+7%)

NPAs/Assets

2.34%,

From

1.04%

(excluding

CapitalSouth

= 0.93%)

30+ Days Past Due = 3.95%, Up From 1.38% (excluding

CapitalSouth

= 1.32%)

Net COs/Avg

Loans = 2.26%, Up From 0.33%

Provision = $25 mm, Up $17 mm (+224%)

Loan Loss Reserve/Loans = 1.13%, Down From 1.21% (1.24%

excluding CapitalSouth)

No Investment Sale Gains in 3Q09 ($5.9mm Gain in 2Q09)

Other Nonint

Income Down $2.7mm (-11%; Mortgage & Title)

EPS = $1.22, Up 135%

Financial Overview

Favorable Balance Sheet Growth

3Q09 Results

•

Loans +$470mm, +12%

•

Deposits +$603mm +14%

•

Loan/Deposits = 91%

•

Equity = +$190mm, +29%

•

Equity/Assets = 13.69%

•

Tier 1 Leverage = 11.55%

•

Div Payout = 28.1%

•

ROA = 1.62%

•

ROE = 11.77%

•

ROTE = 17.26%

•

Efficiency Ratio = 45%

•

Tang Eff. Ratio = 44%

•

BV/Share = $41.41

•

Tang BV/Share = $28.88

Financial Overview

CapitalSouth Acquisition

($ in thousands)

Legacy

CapitalSouth

Consolidated

Legacy

CapitalSouth

Consolidated

Loans, Net of Unearned Income

3,020,966

353,223

3,374,190

3,945,622

353,223

4,298,846

Total Assets

4,405,745

489,732

4,895,477

5,976,788

489,732

6,466,520

Total Deposits

3,202,036

468,822

3,670,858

4,306,914

468,822

4,775,737

Average Loans to Average Deposits

90.2%

73.5%

89.2%

91.9%

73.5%

91.0%

Nonperforming Assets to Total Assets

0.42%

20.58%

2.34%

0.93%

20.58%

2.34%

Allowance for Loan Losses to Total Loans

1.05%

0.04%

0.94%

1.25%

0.04%

3.50%

Net Charge-Offs to Total Loans

1.21%

0.00%

1.13%

2.38%

0.00%

2.26%

Net Interest Margin (TE)

3.09%

3.11%

3.09%

3.02%

3.11%

3.03%

IBERIABANK

IBERIABANK Corporation

Financial Overview

Trends –

Jumbo Mortgage Rates

Source: Bloomberg

Subprime Mtg.

Market Gone &

Alt-A Market Is

Stalled

Jumbo Spread

Has Narrowed

Considerably

Mix Of FHA/VA

& Conforming

Product

In October,

46% Of Our

Production

Was FHA/VA

And 34% Was

Conventional

Weekly National 30-Year Mortgage Rates

Financial Overview

Quarterly Repricing

Schedule

Excess Cash Methodically Being Deployed

Favorable Repricing

Opportunities

Cash Equivalents

284.7

1.64%

0.00%

Investments

132.2

94.4

120.2

108.1

51.5

3.82%

4.82%

4.34%

3.96%

4.81%

Loans

1,767.5

200.6

169.0

151.3

121.3

3.55%

6.33%

6.43%

6.40%

6.72%

Time Deposits

527.9

299.0

216.7

220.8

154.2

2.48%

2.25%

2.26%

2.87%

2.47%

Borrowed Funds

396.8

14.2

25.0

32.0

8.9

1.71%

2.95%

5.22%

4.98%

4.80%

excludes CapitalSouth

Financial Overview

Interest Rate Simulations

Source: Bancware

Source: Bancware

Bancware

model, as of September 30, 2009

As Rates Have Fallen, Become More Asset Sensitive

Degree Is A Function Of The Reaction Of Competitors To

Changes In Deposit Pricing

Forward Curve Has A Positive Impact Over 12 Months

excludes CapitalSouth

Base

Blue

Forward

Change In:

-200 bp

-100 bp

Case

+100 bp

+200 bp

Chip

Curve

Net Interest

Income

-0.4%

0.5%

0.0%

3.9%

8.9%

0.8%

0.5%

Economic

Value of

Equity

-9.6%

-3.8%

0.0%

1.9%

1.4%

-0.6%

-1.0%

Asset Quality

IBERIABANK fsb

Builder

Exposure

% Balance

Funded

Loans

Discounts &

Balance

Current

30-59

60-89

> 90

Nonaccrual

Reserves

Nonaccrual

Reserves

Builder Loans

Memphis Area

4,982

1,745

180

3,056

132

61.3%

2.64%

North Mississippi

441

100.0%

10.30%

Little Rock

4,029

3,866

163

173

4.1%

4.30%

Northeast Ark.

709

665

6.2%

2.45%

Northwest Ark.

2,671

1,689

731

251

270

9.4%

10.11%

Total

12,831

7,965

731

180

3,955

638

30.8%

4.97%

On 6/30/09

17,859

8,747

596

1,161

2,136

5,219

1,882

29.2%

10.54%

By Dollar Amount ($000)

# Of Days Past Due

Development

Lot

House <100%

House 100%

Development

House <100%

House 100%

Loans

Complete

Loans

Lots

Complete

Memphis Area

979

1,276

2,727

North Mississippi

441

Little Rock

2,273

237

1,520

Northeast Ark.

486

223

Northwest Ark.

628

2,042

Total

3,253

2,627

6,952

On 6/30/09

4,330

4,583

8,947

104

% Of Total - 9/30/09

25%

20%

54%

69%

29%

% Of Total - 6/30/09

24%

26%

50%

65%

33%

By Dollar Amount ($000)

Number

Geographic Exposure

# Of Loans

$ Funded

% Of Line

Average

Funded

Committed

%Total

Funded

$ Funded

Builder Loans

Memphis Area

4,982

4,986

38.8%

100%

199,274

North Mississippi

441

3.4%

100%

220,324

Little Rock

4,029

4,038

31.4%

100%

251,842

Northeast Ark.

709

723

5.5%

98%

88,598

Northwest Ark.

2,671

2,672

20.8%

100%

116,112

Total

12,831

12,859

100.0%

100%

173,396

On 6/30/09

17,859

18,231

100.0%

98%

182,234

By Dollar Amount ($000)

Asset Quality

IBERIABANK

Builder & Non-Builder

C&D Exposure

* Excludes CapitalSouth

# Of Loans

$ Funded

% Of Line

Average

Funded

Committed

%Total

Funded

$ Funded

Holding Co & Admin

287

0.1%

100%

143,315

Lafayette

43,426

52,699

160

19.2%

82%

271,412

Community Bank

4,034

4,595

140

1.8%

88%

28,811

Baton Rouge

14,842

18,332

6.6%

81%

345,167

New Orleans

69,564

76,828

30.8%

91%

993,777

Northshore

17,207

19,470

7.6%

88%

905,633

Regional Commercial South

19,625

20,211

8.7%

97%

2,453,089

Shreveport

15,271

16,033

6.8%

95%

1,272,608

NE Louisiana

1,708

3,113

0.8%

55%

34,860

Regional Commercial North

26,848

42,561

11.9%

63%

2,684,756

Mortgage -

RIC

13,064

19,857

5.8%

66%

169,663

Total

225,875

273,987

590

100.0%

82%

382,840

On 6/30/09

133,452

166,162

375

100.0%

80%

355,873

By Dollar Amount ($000)

Construction & Development

Loans (1A)

<100%

100%

<100%

100%

Complete

Holding Co & Admin

287

Lafayette

15,131

28,294

144

Community Bank

308

3,725

138

Baton Rouge

4,612

10,230

New Orleans

11,079

58,485

Northshore

6,493

10,714

Regional Commercial South

350

19,275

Shreveport

2,556

12,716

NE Louisiana

175

1,533

Regional Commercial North

9,090

17,757

Mortgage -

RIC

4,722

8,342

Total

54,517

171,358

495

On 6/30/09

35,354

98,098

291

Construction & Development

Loans (1A)

By Dollar Amount ($000)

Number

% Balance

Funded

Loans

Discounts &

Balance

Current

30-59

60-89

> 90

Nonaccrual

Reserves

Nonaccrual

Reserves

Holding Co & Admin

287

100.0%

0.26%

Lafayette

43,426

43,235

148

493

0.0%

1.13%

Community Bank

4,034

3,842

151

1.0%

0.75%

Baton Rouge

14,842

14,119

101

622

184

4.2%

1.24%

New Orleans

69,564

69,374

105

799

0.1%

1.15%

Northshore

17,207

17,051

128

311

0.7%

1.81%

Regional Commercial South

19,625

228

0.0%

1.16%

Shreveport

15,271

227

0.0%

1.49%

NE Louisiana

1,708

1,652

2.3%

0.77%

Regional Commercial North

26,848

473

0.0%

1.76%

Mortgage -

RIC

13,064

11,391

719

188

766

5.9%

0.33%

Total

225,875

222,409

931

206

362

1,966

2,804

0.9%

1.24%

On 6/30/09

133,452

131,117

281

2,004

1,292

1.5%

0.97%

By Dollar Amount ($000)

# Of Days Past Due

Construction & Development

Loans (1A)

Asset Quality

3Q09 Compared To Prior Quarters

Includes CapitalSouth

($thousands)

1Q09

2Q09

3Q09

1Q09

2Q09

3Q09

1Q09

2Q09

3Q09

Nonaccruals

15,883

14,110

100,649

17,867

14,409

22,655

33,750

28,519

123,304

OREO & Foreclosed

1,692

1,199

11,872

14,336

16,153

11,192

16,028

17,352

23,065

90+ Days Past Due

1,655

3,596

2,047

1,297

9,663

2,651

2,952

13,259

4,698

Nonperforming Assets

19,230

18,905

114,568

33,500

40,225

36,498

52,730

59,130

151,066

NPAs/Assets

0.48%

0.45%

2.34%

2.31%

2.78%

2.43%

0.95%

1.04%

2.34%

NPAs/(Loans + OREO)

0.66%

0.64%

3.38%

3.92%

4.60%

3.90%

1.40%

1.54%

3.50%

LLR/Loans

0.96%

1.01%

0.94%

1.64%

1.89%

1.86%

1.11%

1.21%

1.13%

Net Charge-Offs/Loans

0.15%

0.08%

1.13%

0.58%

1.22%

6.16%

0.24%

0.33%

2.26%

Past Dues:

30-89 Days Past Due

7,278

6,195

34,476

14,232

5,209

7,457

21,510

11,404

41,933

90+ days Past Due

1,655

3,596

2,047

1,297

9,663

2,651

2,952

13,259

4,698

Nonaccual Loans

15,883

14,110

100,649

17,867

14,409

22,655

33,750

28,519

123,304

Total 30+ Past Dues

24,816

23,902

137,172

33,396

29,280

32,763

58,212

53,182

169,934

% Loans

0.85%

0.80%

4.07%

3.97%

3.41%

3.54%

1.55%

1.38%

3.95%

Loan Mix:

Commercial

59.0%

60.5%

62.7%

61.2%

62.2%

64.9%

59.5%

60.9%

63.1%

Consumer

14.0%

13.1%

23.2%

22.6%

20.9%

16.1%

15.9%

14.8%

Mortgage

15.0%

13.8%

14.0%

8.6%

8.0%

7.3%

13.6%

12.5%

12.6%

Business Banking

2.9%

2.6%

2.3%

2.5%

2.3%

2.8%

2.6%

2.3%

Indirect

9.1%

7.9%

0.0%

7.0%

7.1%

6.2%

Credit Cards

0.0%

4.5%

4.7%

4.6%

1.0%

Total Loans

100.0%

IBERIABANK

IBERIABANK fsb

IBERIABANK Corporation

Asset Quality

Loans Past Due + Non-Accruals

By Entity:

6/30/08

9/30/08

12/31/08

3/31/09

6/30/09

9/30/09

IBERIABANK

30+ days past due

0.32%

0.28%

0.69%

0.31%

0.33%

0.32%

Non-accrual

0.23%

0.21%

0.22%

0.54%

0.47%

0.45%

Total Past Due

0.55%

0.49%

0.92%

0.85%

0.80%

0.77%

IBERIABANK fsb

30+ days past due

1.06%

1.29%

1.57%

1.85%

1.73%

1.09%

Non-accrual

2.82%

2.42%

2.53%

2.12%

1.68%

2.45%

Total Past Due

3.88%

3.71%

4.10%

3.97%

3.41%

3.54%

Consolidated (Ex-CapitalSouth)

30+ days past due

0.51%

0.52%

0.89%

0.65%

0.64%

0.50%

Non-accrual

0.87%

0.72%

0.74%

0.90%

0.74%

0.92%

Total Past Due

1.38%

1.24%

1.63%

1.55%

1.38%

1.42%

CapitalSouth Only

30+ days past due

7.62%

Non-accrual

24.64%

Total Past Due

32.26%

Consolidated With CapitalSouth

30+ days past due

1.08%

Non-accrual

2.87%

Total Past Due

3.95%

Asset Quality

Trends –

Entity NPAs

& Past Dues

(Dollars in $000s)

3Q08

Q408

1Q09

2Q09

3Q09

$Chg

9/30/08

12/31/08

3/31/09

6/30/09

9/30/09

Last Qtr.

Nonaccrual

IBERIABANK

5,784

6,487

15,883

14,110

100,649

86,539

IBERIABANK

fsb

20,297

21,337

17,867

14,409

22,655

8,247

Consolidated

26,081

27,825

33,750

28,519

123,304

94,785

OREO & Foreclosed Assets

IBERIABANK

959

2,167

1,692

1,199

11,872

10,674

IBERIABANK

fsb

11,485

14,146

14,336

16,153

11,192

(4,961)

Consolidated

12,444

16,312

16,028

17,352

23,065

5,712

Accruing 90+ Days Past Due

IBERIABANK

1,567

1,309

1,655

3,596

2,047

(1,550)

IBERIABANK

fsb

3,329

1,172

1,297

9,663

2,651

(7,012)

Consolidated

4,895

2,481

2,952

13,259

4,698

(8,562)

Total NPAs

IBERIABANK

8,309

9,963

19,229

18,905

114,568

95,663

IBERIABANK

fsb

35,111

36,655

33,500

40,225

36,498

(3,727)

Consolidated

43,420

46,618

52,730

59,130

151,066

91,936

NPAs

/ Total Assets

IBERIABANK -

ex CapSouth

0.22%

0.26%

0.48%

0.45%

0.42%

IBERIABANK

fsb

2.23%

2.42%

2.31%

2.78%

2.43%

CapitalSouth

20.60%

Consolidated

0.81%

0.83%

0.95%

1.04%

2.34%

30-89 Days Past Due

IBERIABANK -

ex CapSouth

6,329

18,810

7,278

6,195

9,645

3,450

IBERIABANK

fsb

7,525

12,050

14,232

5,209

10,108

4,899

CapitalSouth

26,877

Consolidated

13,854

30,860

21,510

11,404

46,630

35,226

30-89 Days PDs

/ Loans

IBERIABANK -

ex CapSouth

0.23%

0.65%

0.25%

0.21%

0.29%

IBERIABANK

fsb

0.90%

1.43%

1.69%

0.61%

1.09%

CapitalSouth

7.61%

Consolidated

0.38%

0.82%

0.57%

0.30%

1.08%

Asset Quality

Trends –

Entity LLR & Net COs

(Dollars in $000s)

3Q08

Q408

1Q09

2Q09

3Q09

$Chg

9/30/08

12/31/08

3/31/09

6/30/09

9/30/09

Last Qtr.

Loan Loss Reserve*

IBERIABANK

25,528

26,671

27,866

30,098

31,629

1,532

IBERIABANK fsb

14,022

14,201

13,796

16,231

17,158

926

Consolidated

39,551

40,872

41,662

46,329

48,787

2,458

LLR / Total Loans

IBERIABANK

0.91%

0.92%

0.96%

1.01%

0.94%

IBERIABANK fsb

1.67%

1.68%

1.64%

1.89%

1.86%

Consolidated

1.09%

1.11%

1.21%

1.13%

Net Charge-Offs

IBERIABANK

183

801

1,052

553

8,943

8,389

IBERIABANK fsb

2,150

4,084

1,190

2,562

14,041

11,478

Consolidated

2,333

4,885

2,242

3,116

22,984

19,868

Net COs/Avg Loans

IBERIABANK

0.03%

0.11%

0.15%

0.08%

1.13%

IBERIABANK fsb

1.02%

1.93%

0.58%

1.22%

6.16%

Consolidated

0.26%

0.53%

0.24%

0.33%

2.26%

LLR Coverage Of NPAs

IBERIABANK

307%

268%

147%

159%

28%

IBERIABANK fsb

40%

39%

34%

40%

47%

Consolidated

91%

88%

70%

78%

32%

Does not include loan discounts associated with acquisitions.

Asset Quality

Loan Mix And 30 Days+ Past Due

(Dollars in $000s)

3Q08

4Q08

1Q09

2Q09

3Q09

IBKC 3Q09

9/30/08

12/31/08

3/31/09

6/30/09

CapitalSouth

9/30/09

% of Outstandings

Commercial

57.0%

58.3%

59.5%

60.9%

73.2%

63.1%

Mortgage

14.8%

14.3%

13.6%

12.5%

20.5%

12.6%

Consumer

16.7%

16.2%

16.1%

15.9%

6.3%

14.8%

Indirect

7.2%

7.1%

7.0%

7.1%

0.0%

6.2%

Business Banking

3.3%

3.1%

2.8%

2.6%

0.0%

2.3%

Credit Cards

1.0%

0.0%

1.0%

Total Loans

100.0%

Past Due 30+ Days*

Commercial

1.31%

1.91%

1.82%

1.45%

36.87%

4.82%

Mortgage

1.00%

0.97%

0.85%

1.25%

21.97%

4.25%

Consumer

1.43%

1.55%

1.53%

1.20%

12.21%

1.82%

Indirect

0.89%

1.08%

0.97%

1.06%

0.00%

1.05%

Business Banking

0.77%

1.10%

0.83%

1.29%

0.00%

1.33%

Credit Cards

1.15%

1.55%

1.63%

1.32%

0.00%

1.20%

Total Loans

1.24%

1.63%

1.55%

1.38%

32.26%

3.95%

IBERIABANK

0.49%

0.91%

0.85%

0.80%

4.06%

IBERIABANK fsb

3.71%

4.10%

3.97%

3.41%

3.54%

Consolidated

1.24%

1.63%

1.55%

1.38%

32.26%

3.95%

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

•

$10.3 Million Loan Loss Provision In 3Q09 (2Q09 = $2.8 Million)

IBERIABAN

IBERIABANKfsb

Franchise

–

Mixed

Situation

•

Excluding Builder Portfolio, Loan Portfolio Is In Good Shape

•

Construction Portfolio Continues To Progress

•

Continuing To Aggressively Address Potential Problems

•

$15.0 Million Loan Loss Provision in 3Q09 (2Q09 = $5.0 Million)

$23.0 Million In

Net Charge-Offs

In 3Q09 (2.26% Of

Average Loans)

4Q08

1Q09

2Q09

3Q09

Net Charge-Offs

4,885

2,242

3,116

22,984

Loan Growth

1,256

150

864

5,321

Change In Asset Quality

640

3,803

(3,010)

Loan Loss Provision

6,206

3,032

7,783

25,295

Net Charge-Offs/Avg. Loans

0.53%

0.24%

0.33%

2.26%

Loan Loss Reserve/Loans

1.09%

1.11%

1.21%

1.13%

Asset Quality

C&D Loans And

NPAs

Compared To

Peers

Source: SNL, using most recent quarterly information

The Lowest Level Of

C&D Loan Exposure

Compared To Peers

Aggressive Actions

Result In A Modest

Level Of C&D

Nonaccrual Loans

One Of The Lowest

Levels Of NPAs

Compared To Peers

C&D Loans /

Total Loans

NPAs

Total Assets

Asset Quality

Commercial Real Estate Portfolio

Note:

Includes

commercial

construction

and

land

development

loans

137%

161%

194%

116%

135%

IBERIABANK

fsb

IBERIABANK

excl.

CapitalSouth

IBERIABANK

incl.

CapitalSouth

TOTAL excl.

CapitalSouth

TOTAL incl.

CapitalSouth

Non-Owner Occupied

Current

191.6

658.0

738.7

849.6

930.3

Past Due

5.1

0.1

7.4

5.1

12.5

Nonaccrual

16.6

1.5

50.7

18.1

67.3

Total

213.3

659.6

796.8

872.9

1,010.1

% Nonaccrual

7.78%

0.23%

6.36%

2.07%

6.66%

Owner Occupied

Current

145.5

427.7

521.4

573.2

666.9

Past Due

0.4

1.6

9.2

2.0

9.5

Nonaccrual

2.8

3.0

21.1

5.7

23.9

Total

148.6

432.3

551.7

580.9

700.3

% Nonaccrual

1.87%

0.68%

3.83%

0.99%

3.41%

Total CRE

361.9

1,091.9

1,348.5

1,453.8

1,710.4

% Nonaccrual

5.35%

0.41%

5.32%

1.64%

5.33%

Last Qtr (6/30/09)

3.14%

0.25%

0.95%

Non-Owner Occup/Tier 1 Cap.

Asset Quality

Commercial Portfolio Composition

Note:

September

30,

2009;

Includes

commercial

construction

and

land

development

loans

–

excludes

CapitalSouth

10%

15%

20%

Communications

Storage

Religious

Education

Transport

Households

Wholesalers

Manufacturing

Agriculture

Retail

Real Estate-Other

Hospitality

Construction

Energy

Heavy/Civil Construction

RE-Non-Owner Occupied

Governmental

Other

Financial/Insurance

Medical

RE-Owner Occupied

11%

19%

% Of Commercial Loan Portfolio At 09/30/09

Consumer Portfolio

By Product –

Score Distribution

Note: Excludes Credit Cards

Score

Intervals

HELOC

Home

Equity

Loans

Unsecured

Lines

Unsecured

Other

Secured

Indirect

Auto

800 +

10%

11%

12%

13%

750 - 799

35%

22%

23%

27%

30%

700 - 749

28%

25%

29%

26%

20%

22%

650 - 699

14%

17%

21%

16%

17%

600 - 649

10%

550 - 599

500 - 549

450 - 499

400 - 449

Other

Total

100%

Avg. Score

737

724

730

692

697

717

Consumer Portfolio - Score Distribution By Product

Volume

Score

Volume

Score

Volume

Score

HELOC

134

738

735

163

737

Home Equity Loans

208

723

138

725

346

724

Unsecured Lines

730

723

730

Unsecured

691

692

Other Secured

699

690

697

Indirect Auto

257

717

257

717

Total

676

717

190

714

864

717

Consumer

Portfolio

Product

Type

And

Average

Score

IBERIABANK

IBERIABANK fsb

IBERIABANK Corp

Consumer

Portfolio

Past Dues

By Product

Generally

Good And

Stable Asset

Quality

6/30/08

9/30/08

12/31/08

3/31/09

6/30/09

9/30/09

Home Equity Lines of Credit

30 to 59 Days Past Due

0.34%

0.31%

0.24%

0.68%

0.19%

0.42%

60 to 89 Days Past Due

0.02%

0.15%

0.13%

0.07%

0.14%

0.09%

Over 90 Days Past Due

0.06%

0.09%

0.11%

0.19%

0.11%

Total 30+ Days Past Due

0.43%

0.55%

0.48%

0.86%

0.52%

0.62%

Net Charge-Offs

0.02%

0.01%

0.15%

0.23%

0.07%

1.13%

Home Equity Term Loans

30 to 59 Days Past Due

0.35%

0.25%

0.80%

0.56%

0.46%

0.70%

60 to 89 Days Past Due

0.30%

0.18%

0.09%

0.17%

0.20%

Over 90 Days Past Due

0.11%

0.30%

0.05%

0.06%

0.28%

0.20%

Total 30+ Days Past Due

0.77%

0.73%

0.93%

0.79%

0.91%

1.11%

Net Charge-Offs

0.01%

0.04%

0.21%

0.13%

0.18%

0.80%

Indirect Loans

30 to 59 Days Past Due

0.34%

0.45%

0.59%

0.54%

0.49%

0.51%

60 to 89 Days Past Due

0.04%

0.12%

0.18%

0.12%

0.19%

0.16%

Over 90 Days Past Due

0.07%

0.05%

0.07%

0.06%

Non Accrual

0.33%

0.28%

0.30%

0.32%

0.36%

Total 30+ Days PD + NA's

0.78%

0.92%

1.12%

1.01%

1.08%

Net Charge-Offs

0.14%

0.20%

0.44%

0.43%

0.42%

0.54%

Credit Card Loans

30 to 59 Days Past Due

0.35%

0.49%

0.27%

0.42%

0.32%

60 to 89 Days Past Due

0.30%

0.21%

0.45%

0.38%

0.18%

0.24%

Over 90 Days Past Due

0.37%

0.45%

0.61%

0.99%

0.72%

0.64%

Total 30+ Days Past Due

1.02%

1.15%

1.55%

1.63%

1.32%

1.20%

Net Charge-Offs

1.57%

1.05%

1.34%

2.83%

4.31%

2.49%

Other Consumer Loans

30 to 59 Days Past Due

1.19%

0.76%

1.20%

1.07%

0.70%

0.46%

60 to 89 Days Past Due

0.89%

0.46%

0.35%

0.15%

0.13%

0.63%

Over 90 Days Past Due

0.10%

0.53%

0.82%

0.12%

0.23%

0.34%

Total 30+ Days Past Due

2.18%

1.74%

2.37%

1.34%

1.07%

1.44%

Net Charge-Offs

1.35%

1.55%

1.88%

2.03%

1.40%

3.20%

Consumer Portfolio - Quarterly Credit Statistics

Loans Past Due As a % Of Product Loans

Includes CapitalSouth

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 20 New Markets

Acquired 104 Offices (All)

Closed/Consolidated 24

Offices (All Types)

Opened 13 New Bank

Offices

Opened 11 Mortgage

Offices

Opened 1 Title Office

11 Office Realignments

1999 Through 2005

Since 2005

Markets –

Local Economies

Unemployment –

Vs. U.S. MSAs

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

Curve Has

Continued

To Shift

Upward

Belly Of The

Curve Hit

Worst

Consistently

Low Rates Of

Unemploy-

ment

In Our

MSAs

Many Of Our

Markets Not

Dependent

On Housing

For Growth

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 –

Local Economies

Freddie Mac –

Regional Prices

FHLMC, “Home Prices Rose 1.7% in Second

Quarter”, September 1, 2009

Source: Freddie Mac

Last 5-Year

Housing

Price

Last 12

2Q09 vs.

Region

States Included

Change

Months

1Q09

West North Central

IA, KS, MN, MO, ND, NE, SD

6.1%

-2.4%

2.3%

East South Central

TN, AL, MS, KY

17.0%

-2.9%

1.6%

West South Central

LA, AR, TX, OK

21.2%

-3.0%

1.6%

New England

CT, MA, ME, NH, RI, VT

2.2%

-3.2%

5.0%

Middle Atlantic

NY, NJ, PA

18.0%

-3.7%

0.6%

East North Central

IL, IN, MI, OH, WI

-1.3%

-3.9%

2.0%

South Atlantic

NC, SC, FL, GA, VA, MD, WV, DC, DE

10.6%

-7.9%

1.4%

Mountain

AZ, CO, ID, MT, NM, NV, UT, WY

12.0%

-11.0%

0.7%

Pacific

CA, OR, WA, HI, AK

-5.1%

-15.7%

3.2%

United States

7.0%

-6.7%

1.7%

Markets –

Local Economies

House Price Decline Probability

Local Housing

Prices Did Not

Escalate

Rapidly, So

Little House

Price “Snap-

Back”

According To

PMI, Our

Markets Have

Some Of The

Lowest

Probabilities

To Exhibit

Housing Price

Declines Over

Next 2 Years

Source: PMI Economic Real Estate Trends

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

1Q09

4Q08

3Q08

Lowest Ratings (<1.0%):

Houma, LA,

Little Rock, AR,

Tulsa, OK

Lake Charles, LA 1.2%

Lafayette, LA 1.4%

Memphis, TN 2.9%

Shreveport, LA 3.0%

Monroe, LA 3.5%

Houston, TX 3.7%

Mobile, AL 61.1%

NW Arkansas 28.8%

New Orleans, LA 11.9%

Baton Rouge, LA 12.3%

Montgomery, AL 8.8%

Jacksonville, FL 99.9%

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