Iberiabank 8K oration Reports Third Quarter 2007 Results | IBKC 25 Oct 07

3Q07 Earnings Conference Call

Supplemental Materials

October 24, 2007

Exhibit 99.2

Forward Looking Statements

Safe Harbor

Statements

contained

this

presentation

which

are

not

historical

facts

and

which

pertain

future

operating

results

IBERIABANK

Corporation

and

its

subsidiaries

constitute

“forward-looking

statements”

within

the

meaning

the

Private

Securities

Litigation

Reform

Act

1995.

These

forward-looking

statements

involve

significant

risks

and

uncertainties.

Actual

results

may

differ

materially

from

the

results

discussed

these

forward-looking

statements.

Factors

that

might

cause

such

difference

include,

but

are

not

limited

to,

those

discussed

the

Company’s

periodic

filings

with

the

SEC.

Introductory

Comments

Strategic Direction

Unique Characteristics

One Of Oldest Banks In LA -

March 12, 1887

Leadership Experience Through Credit Cycles

Extremely Limited Exposure To Sub-Prime

Very Limited Production Of Alt-A, Jumbo

Our Markets Are Not Dependent On Vacation

Homes, ARM Lending, Jumbo/Exotic Mortgages

Extremely Small C&D Exposure

Dealing With Credit Issues Early & Aggressively

Willing To Make Long-Term Investments

Markets With Good Competitive Dynamics

Strategic Direction

Change In Stock Price

Source:

Stifel

Nicolaus,

October

19,

2007

58%

27%

45%

47%

13%

-4%

16%

-22%

-30%

-20%

-10%

10%

20%

30%

40%

50%

60%

2000

2001

2002

2003

2004

2005

2006

YTD

2007

IBKC

S&P Banks

NASDAQ Banks

DJIA

S&P 500

Russell 2000

Asset Quality

Asset Quality

Loan Mix And 30 Days+ Past Due

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

6/30/06

9/30/06

12/31/06

3/31/07

6/30/07

9/30/07

% of Outstandings

Commercial

47.5%

49.3%

51.7%

53.9%

54.8%

55.3%

Mortgage

23.8%

23.5%

21.4%

20.3%

17.9%

17.6%

Consumer

14.6%

13.9%

13.8%

14.8%

16.4%

Indirect

11.2%

10.5%

10.2%

7.5%

7.4%

7.3%

Business Banking

2.6%

2.4%

2.5%

1.9%

1.8%

Credit Cards

0.4%

1.6%

Total Loans

100.0%

Past Due 30+ Days*

Commercial

0.19%

0.22%

0.19%

1.30%

1.02%

1.21%

Mortgage

0.76%

0.38%

0.28%

1.29%

1.06%

0.82%

Consumer

0.91%

0.80%

0.76%

0.79%

1.54%

1.39%

Indirect

0.76%

0.83%

0.90%

0.66%

0.65%

0.66%

Business Banking

1.83%

0.65%

0.58%

0.43%

0.59%

0.04%

Credit Cards

2.20%

1.31%

1.12%

0.72%

0.70%

0.94%

Total Loans

0.54%

0.41%

0.37%

1.15%

1.07%

1.11%

Louisiana

0.54%

0.41%

0.37%

0.64%

0.42%

0.41%

Pulaski

n.m.

2.70%

3.02%

3.04%

Consolidated

0.54%

0.41%

0.37%

1.15%

1.07%

1.11%

Includes nonaccruing

loans

Asset Quality

NPA & Past Due Trends By Entity

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

$Chg

6/30/06

9/30/06

12/31/06

3/31/07

6/30/07

9/30/07

Last Qtr.

Nonaccrual

Louisiana

4,340

2,904

2,701

3,100

2,532

2,994

462

Pulaski

12,456

11,718

13,197

1,479

Consolidated

4,340

2,904

2,701

15,556

14,250

16,191

1,941

OREO & Foreclosed Assets

Louisiana

287

1,177

2,008

2,439

1,769

1,937

168

Pulaski

911

2,497

4,796

2,299

Consolidated

287

1,177

2,008

3,350

4,266

6,733

2,467

Accruing 90+ Days Past Due

Louisiana

1,469

1,873

310

253

914

1,067

152

Pulaski

142

1,670

4,046

2,376

Consolidated

1,469

1,873

310

395

2,584

5,113

2,529

Total NPAs

Louisiana

6,096

5,954

5,019

5,793

5,215

5,998

782

Pulaski

13,509

15,885

22,039

6,155

Consolidated

6,096

5,954

5,019

19,302

21,100

28,037

6,937

NPAs

/ Total Assets

Louisiana

0.20%

0.19%

0.16%

0.18%

0.16%

0.17%

Pulaski

n.m.

0.98%

1.15%

1.61%

Consolidated

0.20%

0.19%

0.16%

0.42%

0.45%

0.58%

30-89 Days Past Due

Louisiana

5,309

4,261

5,303

11,060

6,671

6,197

(474)

Pulaski

8,055

10,592

9,030

(1,562)

Consolidated

5,309

4,261

5,303

19,116

17,263

15,227

(2,036)

30-89 Days PDs

/ Loans

Louisiana

0.26%

0.20%

0.24%

0.49%

0.28%

0.25%

Pulaski

n.m.

1.05%

1.33%

1.05%

Consolidated

0.26%

0.20%

0.24%

0.63%

0.54%

0.46%

Asset Quality

Loan Loss Reserve & Net COs

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

$Chg

6/30/06

9/30/06

12/31/06

3/31/07

6/30/07

9/30/07

Last Qtr.

Loan Loss Reserve*

Louisiana

36,419

33,954

29,922

29,968

27,999

23,669

(4,329)

Pulaski

8,743

9,827

12,044

2,217

Consolidated

36,419

33,954

29,922

38,711

37,826

35,713

(2,113)

LLR / Total Loans

Louisiana

1.79%

1.56%

1.34%

1.32%

1.17%

0.95%

Pulaski

n.m.

1.14%

1.24%

1.47%

Consolidated

1.79%

1.56%

1.34%

1.28%

1.19%

1.08%

Net Charge-Offs

Louisiana

117

134

230

Pulaski

110

160

190

Consolidated

117

164

294

420

126

Net COs/Avg

Loans

Louisiana

0.02%

0.01%

0.02%

0.01%

0.02%

0.04%

Pulaski

n.m.

0.09%

0.08%

0.09%

Consolidated

0.02%

0.01%

0.02%

0.04%

0.05%

LLR Coverage Of NPAs

Louisiana

597%

570%

596%

517%

537%

395%

Pulaski

n.m.

65%

62%

55%

Consolidated

597%

570%

596%

201%

179%

127%

Does not include loan discounts associated with acquisitions.

Asset Quality

NPAs –

Versus SE Peers

NPAs / Total Assets (%)

0.71%

0.58%

0.17%

0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

0.70%

0.80%

Peers

IBKC

IBKC-Legacy

Source: Bloomberg and company reports

Peers:

HBHC,

WTNY,

UCBI,

BXS,

TRMK,

SFNC,

RNST,

CADE,

OZRK,

SBCF,

CCBG

Asset Quality

Net Charge-Offs Vs. SE Peers

Net Charge-Offs / Average Loans (%)

0.23%

0.05%

0.00%

0.05%

0.10%

0.15%

0.20%

0.25%

Peers

IBKC

Source: Bloomberg and company reports

Peers:

HBHC,

WTNY,

UCBI,

BXS,

TRMK,

SFNC,

RNST,

CADE,

OZRK,

SBCF,

CCBG

Asset Quality

Loan Loss Reserve Vs. Peers

Loan Loss Reserve / Loans (%)

1.16%

1.08%

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

1.60%

1.80%

2.00%

Peers

IBKC

Source: Bloomberg and company reports

Peers:

HBHC,

WTNY,

UCBI,

BXS,

TRMK,

SFNC,

RNST,

CADE,

OZRK,

SBCF,

CCBG

Asset Quality

Legacy –

Classified Assets

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

Classified Assets - Legacy IBERIABANK

Loss

Doubtful

Substandard

Note: Classified Assets Include Substandard, Doubtful and Loss

Asset Quality

Loan Loss Reserve

Completed Large Loan Review To Assess Current Loan

Quality And Reserve Levels In AR, TN & SE LA.

Louisiana Franchise –

Improved Situation

•

85% Of LA Loan Portfolio Is In South Louisiana

•

South Louisiana Credits Remain Very Strong

•

Favorable: Classified, 30+ Days, NPAs, Etc.

•

Recorded A $4.1 Million Negative Loan Loss Provision

Pulaski Franchise –

Mixed Situation

•

Most Of Loan Portfolio Is In Very Good Shape

•

Some Construction Portfolio Deterioration

•

Aggressively Addressing Potential Problems

•

Recorded A $2.4 Million Positive Loan Loss Provision

Financial Overview

Financial Overview

Favorable Balance Sheet Growth

•

Loans Up $128mm (+4%)

Commercial +$87mm

Consumer +$28mm

Mortgage +$9mm

•

Deposits Up $23mm (+1%)

Nonint-Bear +$1mm

Int-Bearing +$22mm

•

Loan/Deposits = 96%

•

Equity Up $10mm (+2%)

•

Equity/Assets = 10.00%

•

Tier 1 Leverage = 6.79%

$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%

12%

14%

16%

46%

56%

36%

42%

55%

46%

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

-6%

-2%

Interest Rate Risk

Interest Rate Simulations

Source: Bancware

Source: Bancware

Bancware

model, as of September 30, 2007

Slightly Liability Sensitive

Degree Is A Function Of The Reaction Of Competitors To

Changes In Deposit Pricing

Financial Overview

Recent Rate Movements

Short-Term Interest Daily Rates

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

Financial Overview

3Q07 Earnings Vs. 3Q07 Forecast

Strong Credit

Trends In LA

Resulted In

Negative LLP

Good S/C Income

Commercial Title

In LA Less

Mtg. Production

Softened Late In

3Q07

S&B Less Due To

Savings & Comm.

Other Expense

Higher Than

Forecasted

Actual 1Q07

Actual 2Q07

Actual 3Q07

Forecast

3Q07

Fav/(Unfav)

To Forecast

($ in millions)

Actual

Mgmt

T/E Net Int

Margin

3.13%

3.09%

3.12%

0.00%

NII After LLP

27.3

31.3

33.8

31.8

2.0

Service Charges

4.0

5.0

5.3

5.1

0.2

Title Revenues

2.2

5.8

4.9

5.5

(0.6)

Mortgage Revenues

2.8

4.9

4.8

5.0

(0.2)

Other Income

5.1

6.1

5.3

5.5

(0.1)

Nonint

Income

14.2

21.8

20.3

21.1

(0.8)

Salaries & Benefits

17.0

21.2

20.3

20.9

0.6

Occupancy & Equipment

3.9

5.2

5.3

5.4

0.1

Other Expense

8.3

12.6

10.9

9.7

(1.2)

Total NIE

29.3

38.9

36.5

36.0

(0.5)

Income Before Tax

12.1

14.2

17.6

16.9

0.7

Income Tax

3.0

4.1

5.5

5.0

(0.5)

Net Income

9.2

10.0

12.1

11.9

0.1

Effective Tax Rate

24.5%

29.2%

31.3%

29.5%

-1.8%

Merger & Severance

1.3

3.1

0.2

Accounting Changes

0.3

0.2

0.5

0.2

0.3

Pre-Tax Effect

1.6

3.3

0.7

0.2

0.5

Tax Effect

(0.6)

(1.3)

(0.2)

(0.1)

(0.2)

Net Income Impact

1.1

2.0

0.5

0.1

(0.3)

Adj Net Income

10.2

12.1

12.5

12.1

0.5

F-D Shares (000s)

12,084

12,914

12,789

12,927

137

F-D EPS -

Reported

0.76

0.78

0.94

0.92

0.02

Adjustments

0.08

0.15

0.04

0.01

0.03

F-D EPS -

Adjusted

0.84

0.93

0.98

0.93

0.05

Financial Overview

Profitability -

Quarterly EPS

Non-GAAP Pro Forma Net Income And EPS

4Q 2006

1Q 2007

2Q 2007

3Q 2007

(After-tax; Dollars in thousands)

Net Income As Reported

$8,915

$9,155

$10,027

$12,061

Add: Merger-related And Severance Costs

109

873

1,930

151

Add: Impact of FAS 123R and 133

101

193

117

312

Net Income – Guidance Basis

$9,125

$10,221

$12,074

$12,524

(After-tax; Per share basis)

Fully Diluted EPS As Reported

$0.87

$0.76

$0.78

$0.94

Add: Merger-related And Severance Costs

0.03

0.06

0.14

0.01

Add: Impact of FAS 123R and 133

0.02

0.01

0.02

EPS – Guidance Basis

$0.92

$0.84

$0.93

$0.98

Margin Improvement To 3.12% (+3bps). Margin In

Month Of Sept. 2007 Was 3.16%.

Improved Profitability

•

NI Of $12.1mm (+20%); Guidance Of $12.5mm (+4%)

•

EPS of $0.94 (+21%); Guidance Basis Of $0.98 (+5%)

Financial Overview

Forecast Curve Assumption

LIBOR Swap Curve

Changes from 05/31/2007 to 09/30/2007

4.60%

4.80%

5.00%

5.20%

5.40%

5.60%

1 month

3 month

6 month

1 year

2 year

5 year

10 year

30 year

LIBOR 09/30/07

5.19%

5.23%

5.13%

4.90%

4.65%

4.88%

5.21%

5.45%

LIBOR 05/31/07

5.32%

5.36%

5.38%

5.39%

5.34%

5.35%

5.46%

5.61%

Financial Overview

EPS Index Trend Vs. Peers

Source: Bloomberg and company reports

Peers:

HBHC,

WTNY,

UCBI,

BXS,

TRMK,

SFNC,

RNST,

CADE,

OZRK,

SBCF,

CCBG

10%

15%

20%

25%

30%

35%

40%

45%

50%

55%

60%

65%

IBKC

SE Peers

IBKC

SE Peers

Average Analyst Estimates

Financial Overview

C&D Lending Trends Vs. Peers

Source:

SNL

Datasource

and

company

reports

Peers:

HBHC,

WTNY,

UCBI,

BXS,

TRMK,

SFNC,

RNST,

CADE,

OZRK,

SBCF,

CCBG

6.8%

3.1%

32.6%

32.7%

18.6%

17.3%

IBERIABANK Corporation

High Construction SE Peers

Lower Construction SE Peers

IBKC

Lower Construction

SE Peers

High Construction

SE Peers

HBHC, BXS,

TRMK, SFNC,

RNST, CCBG

OZRK, UCBI,

WTNY, SBCF,

CADE

Financial Overview

EPS Index –

C&D Focused

Source: Bloomberg and company reports

Peers:

HBHC,

WTNY,

UCBI,

BXS,

TRMK,

SFNC,

RNST,

CADE,

OZRK,

SBCF,

CCBG

-10%

10%

20%

30%

40%

50%

60%

70%

IBKC

High Construction SE Peers

Lower Construction SE Peers

IBKC

Lower

Construction SE

Peers

High

Construction

SE Peers

Average Analyst Estimates

Markets

Markets -

Branches

Branch Expansion Initiative

Period-End

Loan

And

Deposit

Volumes

14 Offices

New Orleans

Pan Am

Office

Opened On

Sept. 14th

3Q07 Loans

Of $67 mm

(+101% YTD)

3Q07

Deposits Of

$77 mm

(+65% YTD)

$10

$20

$30

$40

$50

$60

$70

$80

2Q05

3Q05

4Q05

1Q06

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

Deposits

Loans

Markets –

Local Economies

Louisiana Job Markets

# of Job

Pre-Katrina

Post-Katrina

Vacancies

New Orleans

3.7%

12.5%

59,771

Baton Rouge

2.7%

5.4%

22,199

Lafayette

3.0%

7.2%

18,894

Shreveport

2.2%

2.3%

5,397

Houma

2.5%

4.3%

3,962

Lake Charles

3.2%

6.1%

6,895

Monroe

2.0%

2.6%

2,938

Alexandria

2.0%

5.3%

5,706

LA Metro Areas

125,762

Vacancy Rate

Job Vacancies In Louisiana Metro Markets

August

July

August

2006

2007

United States

4.6%

4.9%

4.6%

Louisiana

4.1%

4.4%

4.1%

LA MSAs:

New Orleans

4.5%

4.4%

4.2%

Baton Rouge

4.0%

4.1%

3.9%

Lafayette

2.9%

3.0%

2.8%

Shreveport

4.1%

5.0%

4.5%

Houma

2.9%

2.8%

2.7%

Lake Charles

3.7%

4.1%

4.0%

Monroe

4.0%

5.1%

4.8%

Alexandria

3.9%

4.4%

4.0%

Iberia Parish

3.4%

3.7%

3.3%

Unemployment Rates In LA Metro Markets

Nearly 60,000 Job Openings In

New Orleans And Over 3 Times

The Pre-Katrina Vacancy Rate

Vacancy Rates Up Across All

Louisiana Metropolitan Markets

Strong Unemployment

Figures Throughout

Louisiana Metro Markets

Lafayette And Houma

Particularly Strong

Markets –

Local Economies

Big Local Economic Influences

Katrina/Rita Rebuilding (South Louisiana)

•

Latest Cost Estimate: $127 Billion

•

Average Of $425,000 Per Person

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

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

Big Economic Influences (Cont.)

$2.00

$4.00

$6.00

$8.00

$10.00

$12.00

$14.00

$16.00

$18.00

$10.00

$20.00

$30.00

$40.00

$50.00

$60.00

$70.00

$80.00

$90.00

Natural Gas (Left Scale)

Crude Oil (Right Scale)

Source: Bloomberg on October 17, 2007

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 States Are More Favorable

Markets -

Housing

Local –

NW AR Sales & Inventory

Markets -

Housing

Local –

NW AR Residential Lots

Nearly 6-Year

Supply Of Lots In

NW Arkansas

Markets -

Housing

Local –

New Orleans & Memphis

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

New Orleans

Memphis

Home

Inventories In

New Orleans

And Memphis

Rising

Some

Softness In

These

Markets

Source:

HousingTracker.net

Markets -

Housing

Local –

Lafayette Home Inventory

Acadiana

Housing

Inventory

Edged Up

Slightly In

September

2007

Despite

Slightly

Higher

Inventories,

Figures

Remain

Less Than

One-Half

National

Average

2.8

3.7

5.7

6.3

3.7

4.5

5.4

9.4

9.8

4.7

5.6

Lafayette-

Resales

Lafayette-

New

Construction

Lafayette-All

Properties

Iberia Parish

St. Landry

Parish

All Acadiana

Parishes

Months Supply Residential Homes (June & September 2007)

Jun-07

Sep-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

Iberiabank (IBKC) 8-KIBERIABANK Corporation Reports Third Quarter 2007 Results