EX-99.4 5 d248190dex994.htm EXHIBIT 99.4 Exhibit 99.4
IBERIABANK Corporation
IBERIABANK Corporation
Strategic Overview
Strategic Overview
October 26, 2011
October 26, 2011
Exhibit 99.4


Safe Harbor Language
Safe Harbor Language
2
To the extent that statements in this presentation relate to future plans, objectives, financial results
or performance of IBERIABANK Corporation, these statements are deemed to be forward-looking statements
within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements, which are based
on
management’s
current
information,
estimates
and
assumptions
and
the
current
economic environment, are
generally identified by the use of the words “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project”
or similar expressions. IBERIABANK Corporation’s actual strategies and results in future periods may differ
materially from those currently expected due to various risks and uncertainties.
Actual results could differ materially because of factors such as the current level of market volatility and our
ability to execute our growth strategy, including the availability of future FDIC-assisted failed bank opportunities,
unanticipated losses related to the integration of, and accounting for, acquired businesses and assets and
assumed liabilities in FDIC-assisted transactions, adjustments of fair values of acquired assets and assumed
liabilities and of deferred taxes in FDIC-assisted acquisitions, credit risk of our customers, effects of the on-going
correction in residential real estate prices and reduced levels of home sales, sufficiency of our allowance for loan
losses, changes in interest rates, access to funding sources, reliance on the services of executive management,
competition for loans, deposits and investment dollars, reputational risk and social factors, changes in
government regulations and legislation, increases in FDIC insurance assessments, geographic concentration of
our markets and economic conditions in these markets, rapid changes in the financial services industry,
dependence
on
our
operational,
technological,
and
organizational
infrastructure, hurricanes and other adverse
weather events, the volatility and low trading volume of our common stock, and valuation of intangible assets. 
These and other factors that may cause actual results to differ materially from these forward-looking statements
are discussed in the Company’s Annual Report on Form 10-K and other filings with the Securities and Exchange
Commission
(the
“SEC”),
available
at
the
SEC’s
website,
http://www.sec.gov,
and the Company’s website,
http://www.iberiabank.com,
under the heading “Investor Information.”
All information in this presentation is as
of the date of this presentation.  The Company undertakes no duty to update any forward-looking statement to
conform the statement to actual results or changes in the Company’s expectations.


Every 5-6 Years We Set Strategic Goals
Recently Refreshed Our Strategic Plan
Focus Our Company:
Mission Statement
Philosophies And Culture
Economic And Industry Dynamics
Risks And Opportunities
Strengths And Areas Requiring Improvement
Operating Parameters
Areas Of Future Emphasis And Investment
Strategic/Financial Goals
Overview
Strategic Overview
Strategic Overview
3


Strategic Overview
Strategic Overview
Over The Past Three Years…
Over The Past Three Years…
Total Revenues Of $1.5 Billion
Earned $280 Million; $14.57 EPS
Paid $105 Million In Dividends, Or
$5.10 Per Share (38% Payout)
Improved Asset Quality And
Capital Strength
Added:
+$6.6 Billion Assets
+120 New Locations
+1,247 Associates
+$18.06 In Tangible BVS
+$0.8 Billion Market Cap.
At The End Of 3Q11:
Total Assets Of $11.5
Billion
2,541 Associates
Operations In 12 States
4
-75%
-25%
25%
75%
125%
175%
Loans
Deposits
Assets
Offices
# FTE
BVS
TBVS
Stock Price
Market Cap
% Change Since 2007


Strategic Overview
Strategic Overview
Our Current Position
5
Little Or No Loan Growth
Real Estate Dependence
Asset Quality Concerns
Unrecognized Collateral Values
Flat & Low Yield Curve Results In
Margin Compression
Durbin Amendment Exposure
Capital Constrained
Dividends Slashed
Costly Access To Fresh Capital
Share Buyback Capability?
M&A Experience/Infrastructure?
Industry Headwinds
Our Positioning
$518mm YTD Organic Growth
41% of Bal. Sheet Is Low Risk
Classified Assets = 1.7%/Assets
FDIC Loss Share Protection
Less Spread Dependent With
Mtg/Title 12% Of Revenues
Service Chg/Revenues of 6%
$300mm+ In Excess Capital
Consistent Quarterly Dividends
Raised $603mm In Capital
Buyback Completed In 3Q11
5 FDIC And 7 Live Bank Deals


Provide Exceptional Value-Based Client Service
Great Place To Work
Growth That Is Consistent With High Performance
Shareholder Focused
Strong Sense Of Community
Mission Statement And Culture
Strategic Overview
Strategic Overview
6
Teamwork
Client Focus
Financial Focus
Attention To Detail
Do What Is Right
High Performance Expectations
Self Starters
Respect For Others
Conservative & Methodical
Continuous Improvement
Mission
Statement
Selected Philosophies And Culture


Time Period: 5-Year Time Frame
Economic Growth Remains Tempered
Near-Term Inflation Is tempered As Well
Current Credit Cycle Is 5-6 Years Long (2/3 Complete)
Assume The Interest Rate Environment Imbedded In The
Current Forward Curves
Low, Flat Interest Rate Curves Initially
Curves Begin to Steepen To More Historic Levels
Impacted More On Short-End Of Curves (<5 Years)
Major Economic Assumptions
Strategic Overview
Strategic Overview
7


Forward Interest Rate Curves
Strategic Overview
Strategic Overview
8
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
3.50%
4.00%
4.50%
5.00%
Sep-07
Sep-08
Sep-09
Sep-10
Sep-11
Sep-12
Sep-13
Sep-14
Sep-15
Overnight
2yr Treasury
5 Year Treasury
10 Year Treasury


Banking Industry Returns Will Remain Challenging
Limited Balance Sheet Growth
Spread Compression (Government & Industry Impacts)
Legislative/Compliance Provide Revenue Pressure
Regulatory Burdens Remain Elevated
Lower Industry Returns On Tangible Equity
New Capital Will Remain Scarce And Fairly Targeted
Banking Industry Will Continue To Consolidate
Up To An Additional 200 Failures in Southeast U.S.
Live Banks -
Board And Management Fatigue
We Will Participate In Situations That Fit
Organic Growth Story & Supplement With Acquisitions
Industry Competitive Dynamics
Strategic Overview
Strategic Overview
9


Market-Focused, Not Size-Focused
Southeastern U.S. –
Texas To Virginia
Focus On Metropolitan, Not Rural, Markets
Interest In Specific MSAs, Based On Opportunity:
Risk/Return Perspective Consistent With Our Culture
Connectivity To Recruits And Target Clients
Competitive Dynamics (Current And Future)
Areas Of Emphasis:
Small Business And Retail
Trust, Wealth Management, Capital Markets
Targeted Market/Branch Expansion
Improve Operating Leverage And Profitability
Strategic Focus
Strategic Overview
Strategic Overview
10


IBKC Overview
IBKC Overview
Our Locations
11
Deposit Market Share as of  June 30, 2011. Source: SNL Financial. Map Reflects Locations as of  October 24,2011.
*Other Mortgage Locations not shown = 9
Arkansas
34 Branches
$1.0 bil deposits
#12 Rank
32 Non-bank Offices
Texas
4 Branches
$185 mm deposits
#227 Rank
3 Non-bank Offices
Louisiana
78 Branches
$5.1 bil deposits
#5 Rank
31 Non-bank Offices
Alabama
12 Branches
$500 mm deposits
#20 Rank
5 Non-bank Offices
Florida
42 Branches
$2.3 bil deposits
#24 Rank
10 Non-bank Offices
Tennessee
2 Branches
$155 mm deposits
#113 Rank
1 Non-bank Office


Indicates cities in which our members of Senior Management (Market Presidents,
Executive Vice Presidents, etc.) have resided/worked.
IBKC Overview
IBKC Overview
Where We Lived & Worked
Greensboro, NC
Indianapolis, IN
Las Vegas, NV
Mansfield, PA
Morris Plains, NJ
New York, NJ
Pittsburgh,  PA
Phoenix, AZ
San Diego, CA
Scottsdale, AZ
Wilmington, DE
Resides in New Orleans, LA
Michael J. Brown, VC
Chief Operating Officer
Jefferson G. Parker, VC
Manager of Brokerage, Trust,
and Wealth and Management
Anthony J. Restel, SEVP
Chief Financial Officer
Robert B. Worley
General Counsel
Daryl G. Byrd
President and CEO
Beth A. Ardoin, EVP
Director of Communications
George J. Becker III, EVP
Director of Corporate Operations
Barry F. Berthelot, EVP
Director of Organizational Development
Resides in Lafayette, LA
Resides in Greensboro, NC
Gregg Strader, EVP
Chief Credit Officer
Broad Experience Throughout
Southeastern U.S.
12
Resides in Annapolis, MD
Robert M. Kottler, EVP
Director of Retail and Small Business
Albuquerque, NM
Annapolis, MD
Boston, MA
Buffalo, NY
Charlotte, NC
Charlottetown,
PE, Canada
Chennai, India
Cleveland, OH
Columbus, OH
Detroit, MI
Flint, MI
Hartford, CT
Resides in Raleigh, NC
John R. Davis, SEVP
Director of Financial Strategy and Mortgage
Resides in Greensboro, GA
James B. Gburek, EVP
Chief Risk Officer
Resides in Gastonia, NC
H. Spurgeon Mackie, EVP
Executive Credit Officer
Experience in Additional Cities:
Indicates cities in which our 11 members of Executive Management have resided/worked


Combination of Organic Growth And Acquisitions
Include Bargain Purchase Gains (Present Value Benefit)
Exclude One-Time Costs
Full Deployment Of Capital During The Planning Period
Organic Loan Growth
Selected Acquisitions
Share Repurchases
Regulatory Capital Limits Subject To Change
Selective Branch Additions And Strategic Recruits
No New Businesses Assumed
Improve Operating Leverage From Prior Investments
Other Assumptions
Strategic Overview
Strategic Overview
13


Return
On
Average
Tangible
Equity
Excludes One-Time Costs
By End Of Planning Period
Tangible Efficiency Ratio
Entire Company, Not Just Bank
By End Of Planning Period
Asset Quality
Nonperforming Assets/Total Assets
Exclude FDIC Covered Assets
Earnings Per Share Growth
Annual Growth Throughout Period
Excludes One-Time Costs
3-5 Year Strategic Goals
Strategic Overview
Strategic Overview
14
13% to 17%
Target 60% or Less
Peer Top 10%
Double-Digit %


Strategic Overview
Strategic Overview
Return On Tangible Equity
15
Source: SNL; US Bank Holding Companies reporting as of June 30, 2011
-30.00%
-25.00%
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
2Q11 Return On Tangible Equity -
US BHCs
ROTEs 13%-17%


Strategic Overview
Strategic Overview
Tangible Efficiency Ratio
16
Source: SNL; US Bank Holding Companies reporting as of June 30, 2011
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
110%
120%
130%
140%
150%
160%
170%
180%
190%
200%
2Q11 Tangible Efficiency Ratio -
US BHCs
Tangible
Efficiency Ratio
Less Than 60%


Strategic Overview
Strategic Overview
Asset Quality (NPAs/Total Assets)
17
Top 10%
Source: SNL; US Bank Holding Companies reporting as of June 30, 2011
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%


Strategic Overview
Strategic Overview
EPS Growth
18
Double Digit
Growth
Source: SNL; US Bank Holding Companies reporting as of June 30, 2011
-100.0%
-80.0%
-60.0%
-40.0%
-20.0%
0.0%
20.0%
40.0%
60.0%
80.0%
100.0%
EPS Growth 5-Year CAGR -
US BHCs