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Iberiabank

New Iberia, LA · Cert 28100

FDIC · 192 branches

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Iberiabank

New Iberia, LA · Cert 28100

FDIC · 192 branches

Q2 2020

$34.6BAssets
$26.4BLoans
$28.4BDeposits
$4.2BEquity
Loan mix
62%RE $12.5B36%C&I $7.2B3%Consumer $0.5BQ2 2019Q2 2020
Deposit mix
70%Interest-bearing $19.8B30%Noninterest $8.6BQ2 2019Q2 2020

NIM

3.85%Q2 ’184.25%Q2 ’193.41%Q2 ’20-1%-17%

Non-interest income vs. expense

2.51%Q2 ’182.04%Q2 ’192.14%Q2 ’20-27%-2%

Market Position · Miami-Fort Lauderdale-Pompano Beach, FL · 2020 SOD (annual) · 2.2% share · #11 of 84 inst. · $6.0B of $277.3B

2.6% Miami-Dade
25.8% Lafayette
10.0% Orleans
2.4% Palm Beach

Executive Summary

  • Earnings: ROA of 0.19%, down 112 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.74% of loans (+6 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 9.07%, down 48 bps from a year ago.
  • Funding: loans stand at 92.80% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

0.19%-112 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-59 bps YoY

Efficiency Ratio (YTD, annualized)

60.10%+945 bps YoY

Tier 1 Leverage Ratio

9.07%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets1.31%1.30%1.24%0.50%0.19%-112 bps
Return on Equity10.05%9.94%9.46%3.74%1.48%-857 bps
Net Interest Margin3.40%3.36%3.27%3.03%2.81%-59 bps
Efficiency Ratio50.64%51.42%53.18%57.87%60.10%+945 bps
Non-Interest Burden1.40%1.40%1.42%1.43%1.37%-2 bps
Growth
Asset Growth (YoY)4.40%5.40%2.85%3.13%10.27%+587 bps
Loan Growth (YoY)6.27%6.90%7.10%7.15%12.07%+581 bps
Deposit Growth (YoY)3.73%7.94%6.01%5.67%16.28%+1,255 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.66%0.59%0.72%0.74%+6 bps
Net Charge-Offs / Loans0.13%0.13%0.13%0.15%0.20%+7 bps
Allowance / Loans0.62%0.61%0.60%1.16%1.51%+89 bps
Allowance Coverage of NPLs0.9x0.9x1.0x1.6x2.0x+1.1x
Capital
Tier 1 Leverage Ratio9.55%9.49%9.69%9.82%9.07%-48 bps
Total Risk-Based Capital11.70%11.57%11.76%11.94%12.07%+37 bps
Equity / Assets13.28%13.19%13.44%13.36%12.24%-104 bps
Liquidity & Funding
Loans / Deposits96.28%95.10%95.45%96.55%92.80%-348 bps
Liquid Assets / Assets2.21%2.41%2.49%2.62%6.31%+411 bps
CRE / Total Capitaln/an/an/an/an/an/an/a