Supplemental Presentation rd Quarter Earnings Release
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1 Supplemental Presentation rd Quarter Earnings Release 3 rd 10/20/05 1
2 Forward Looking Statements Safe Harbor Statements contained in this presentation which are not historical facts and which pertain to future operating results of o IBERIABANK Corporation and its subsidiaries constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 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. 2
3 Outline Hurricanes And Tropical Storms Credit Impact Of Hurricanes Katrina And Rita Branch Impact And Branch Expansion Initiative Summary Financial Impact 3
4 Hurricanes And Tropical Storms Other Landfalls Georgia South Carolina Louisiana Mississippi Alabama Texas North Carolina Florida Atlantic Ocean 0% 5% 10% 15% 20% 25% 30% % Of Hurricane/Tropical Storm Impacts Source: Management using maps; Some storms had multiple state impacts 4
5 Credit Impact Of Hurricanes Katrina And Rita 5
6 Combined Hurricane Winds 6 Source: LAGIC
7 IBERIABANK Loan Account Concentration Loan Accounts Per Zip Code Source: Management 7
8 IBERIABANK Loan Account ConcentrationNew Orleans Area Orleans New Orleans Luling St. Bernard Jefferson Flood Area Loan Accounts Per Zip Code 0-50 St. Charles Plaquemines Jean Jean Lafitte Lafitte Source: Management 8 Flood Estimate Source: FEMA
9 Credit Review Steps Portfolio Definition Katrina $393MM funded/$215mm unfunded Portfolio Definition Rita $33MM funded/$2mm unfunded Definition by segment/loan type Risk identification and reserve adjustment 9
10 Katrina Impacted Loans Commercial Indirect Loan Type Private Banking Mortgages Residential Mortgages Home Equity Business Banking Credit Card Institutional Miscellaneous Consumer Source: Management Funded $65.6 million $63.3 million $19.2 million $3.2 million $205.0 million $2.8 million $0.7 million $31.0 million $1.9 million 10 Unfunded $4.0 million $0.8 million $4.0 million $0.8 million $203.0 million -- $2.7 million -- $0.1 million
11 Rita Impacted Loans Loan Type Residential Mortgages Home Equity Commercial/Small Business Indirect Institutional Miscellaneous Consumer Source: Management Funded $4.3 million $6.3 million $8.2 million $11.4 million $0.4 million $2.1 million 11 Unfunded -- $0.9 million $0.9 million $0.3 million
12 Example - New Orleans Private Banking Mortgage Portfolio Private Banking Mortgages - $65.2MM Issues/Actions Identification of at risk loans» Categorization of loans as follows: Low risk no concerns or dependence on New Orleans Medium risk concerns about primary or secondary sources of repayment adequate liquidity High risk concerns about primary and secondary sources of repayment due to flood limited liquidity Setting of Reserve 12
13 Summary Credit Impact Risk identification to client level Goal to determine reserve level increase to offset risk change Constant re-examination examination to keep up with events Selective client expansion 13
14 Branch Impact And Branch Expansion Initiative 14
15 Hurricane Katrina Winds 15 Source: LAGIC
16 Hurricane Rita Winds 16 Source: LAGIC
17 New Orleans Flooding IBERIABANK New Branches IBERIABANK Branches Flood Estimates Source: Management 17 Source: FEMA
18 Regional Economic Influence Home Sale Trends In Louisiana Communities % Change In Monthly Dollar Volume Of Homes Sold 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% Lafayette Baton Rouge Jan Feb Mar Apr May Jun Jul Aug Sep Oct Source: MLS services in Lafayette and Baton Rouge 18
19 Summary Financial Impact 19
20 Summary Financial Impact Direct Financial Impact: Pre-Tax Impact ($Millions) After Tax Hurricane Hurricane EPS Katrina Rita Combined Impact Loan Loss Provision $ (12.8) $ (1.6) $ (14.4) $ (0.95) Expenses: Facility Repair/Deductibles (0.1) - (0.1) (0.01) Other Expense (0.2) (0.1) (0.3) (0.02) Total Expenses (0.3) (0.1) (0.4) (0.02) NSF/ATM Revenue Loss (0.1) - (0.1) (0.00) Direct Impact $ (13.1) $ (1.7) $ (14.8) (0.98) Diluted Share Calculation (0.01) Direct Impact On F-D EPS $ (0.99) Indirect Financial Impact: Excess Cash Reserves (Net Interest Income) $ (0.1) $ (0.00) Brokerage Income (Noninterest Income) (0.1) (0.01) Total Indirect Impact $ (0.2) $ (0.01) Source: Management 20
21 Quarterly Fully Diluted EPS As Reported And On An Adjusted Basis American Estimated EPS Reported Horizons Hurricane Branch Adjusted Pre-Split Quarter Range EPS Acquisition Related Initiative Basis Equivalent 1Q05 $ 0.75 $ 0.04 $ - $ - $ 0.80 $ Q Q05 (0.15) Q05 Year 2005 Lower Upper Lower Upper Source: Management 21
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