Capital Requirements And Other Regulatory Matters

12 Months Ended

Dec. 31, 2011

Capital Requirements And Other Regulatory Matters [Abstract]

Capital Requirements And Other Regulatory Matters

NOTE 17 – CAPITAL REQUIREMENTS AND OTHER REGULATORY MATTERS

The Company and IBERIABANK are subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and IBERIABANK must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

Quantitative measures established by regulation to ensure capital adequacy require the Company and IBERIABANK to maintain minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2011 and 2010, that the Company and IBERIABANK met all capital adequacy requirements to which they are subject.

As of December 31, 2011, the most recent notification from the Federal Deposit Insurance Corporation categorized IBERIABANK as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since the notification that management believes have changed either entity's category. The Company's and IBERIABANK's actual capital amounts and ratios as of December 31, 2011 and 2010 are presented in the following table.

	Actual					Minimum					Well Capitalized
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2011
Tier 1 leverage capital:
IBERIABANK Corporation	$	1,164,801		10.45	%	$	445,905		4.00	%	$	N/A		N/A	%
IBERIABANK		997,277		9.00			443,165		4.00			553,956		5.00
Tier 1 risk-based capital:
IBERIABANK Corporation		1,164,801		14.94			311,908		4.00			N/A		N/A
IBERIABANK		997,277		12.88			309,802		4.00			464,703		6.00
Total risk-based capital:
IBERIABANK Corporation		1,263,496		16.20			623,816		8.00			N/A		N/A
IBERIABANK		1,095,322		14.14			619,604		8.00			774,505		10.00
December 31, 2010
Tier 1 leverage capital:
IBERIABANK Corporation	$	1,132,777		11.24	%	$	403,057		4.00	%	$	N/A		N/A	%
IBERIABANK		690,771		8.14			339,330		4.00			424,162		5.00
Tier 1 risk-based capital:
IBERIABANK Corporation		1,132,777		18.48			245,236		4.00			N/A		N/A
IBERIABANK		690,771		14.39			192,025		4.00			288,037		6.00
Total risk-based capital:
IBERIABANK Corporation		1,210,180		19.74			490,472		8.00			N/A		N/A
IBERIABANK		751,481		15.65			384,049		8.00			480,062		10.00