Hancock Holding Company										- Add 10 -
Quarterly Financial Data
(amounts in thousands, except
per share data and FTE headcount)
(unaudited)
		2005				2006				2007
		1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q
Per Common Share Data
Earnings per share:
Basic		$0.48	$0.56	$0.04	$0.59	$0.68	$0.68	$1.11	$0.67	$0.59
Diluted		$0.47	$0.55	$0.04	$0.58	$0.67	$0.66	$1.08	$0.65	$0.58
Cash dividends per share		$0.165	$0.165	$0.195	$0.195	$0.195	$0.220	$0.240	$0.240	$0.240
Book value per share (period-end)		$14.16	$14.87	$14.52	$14.78	$15.06	$15.12	$16.64	$17.09	$17.27
Tangible book value per share (period-end)		$11.99	$12.73	$12.25	$12.55	$12.85	$12.94	$14.47	$14.87	$15.05
Weighted average number of shares:
Basic		32,463	32,396	32,308	32,313	32,393	32,531	32,566	32,632	32,665
Diluted		33,019	32,928	32,940	32,980	33,088	33,322	33,333	33,378	33,299
Period-end number of shares		32,463	32,310	32,309	32,301	32,494	32,555	32,584	32,666	32,518
Market data:
High price		$34.20	$34.87	$37.84	$39.90	$46.67	$57.19	$56.79	$56.00	$54.09
Low price		$30.25	$28.25	$29.93	$31.08	$37.75	$44.02	$49.71	$50.85	$41.88
Period end closing price		$32.50	$34.40	$34.14	$37.81	$46.52	$56.00	$53.55	$52.84	$43.98
Trading volume		3,286	3,527	8,760	6,829	3,990	8,737	8,135	6,393	8,577
Other Period-end Data
FTE headcount		1,766	1,813	1,590	1,735	1,768	1,777	1,788	1,848	1,929
Tangible common equity		$389,344	$411,203	$395,843	$405,216	$417,684	$421,369	$471,387	$485,778	$489,430
Tier I capital		$408,163	$416,312	$407,075	$420,281	$440,302	$457,738	$487,668	$510,638	$513,229
Goodwill		$55,409	$55,409	$61,428	$61,418	$61,418	$59,060	$59,683	$62,277	$62,277
Amortizable intangibles		$12,510	$11,746	$9,928	$9,204	$8,725	$10,575	$9,938	$9,414	$8,991
Mortgage servicing intangibles		$2,288	$2,082	$1,860	$1,577	$1,384	$1,256	$1,093	$941	$829
Common shares repurchased for publicly
announced plans		40	96	12	-	17	22	-	-	228
Performance Ratios
Return on average assets		1.32%	1.52%	0.12%	1.39%	1.49%	1.45%	2.36%	1.44%	1.32%
Return on average common equity		13.32%	15.27%	1.18%	15.98%	18.34%	17.89%	27.58%	15.54%	13.77%
Earning asset yield (TE)		5.90%	6.08%	6.19%	6.14%	6.17%	6.32%	6.60%	6.54%	6.64%
Total cost of funds		1.55%	1.66%	1.80%	1.70%	1.88%	2.05%	2.30%	2.48%	2.60%
Net interest margin (TE)		4.35%	4.42%	4.40%	4.44%	4.30%	4.27%	4.29%	4.06%	4.04%
Noninterest expense as a percent
of total revenue (TE) before amortization
of purchased intangibles, net storm-related gain/(loss),
gain on sale of credit card
merchant and securities transactions		59.99%	57.83%	60.85%	56.89%	58.30%	59.13%	58.76%	59.79%	61.38%
Common equity (period-end) as
a percent of total assets (period-end)		9.64%	10.03%	9.55%	8.02%	7.82%	8.00%	8.86%	9.36%	9.61%
Leverage (Tier I) ratio		8.75%	8.83%	8.64%	7.85%	7.45%	7.59%	8.15%	8.63%	8.80%
Tangible common equity ratio		8.28%	8.71%	8.17%	6.89%	6.75%	6.92%	7.79%	8.24%	8.48%
Net charge-offs as a
percent of average loans		0.33%	0.24%	0.23%	0.41%	-0.01%	0.40%	0.34%	0.19%	0.18%
Allowance for loan losses as
a percent of period-end loans		1.48%	1.45%	2.59%	2.51%	2.51%	2.35%	1.55%	1.44%	1.41%
Allowance for loan losses to
NPAs + loans 90 days past due		323.66%	284.75%	392.70%	195.50%	432.85%	457.10%	494.65%	694.67%	413.60%
Loan/deposit ratio		72.40%	73.63%	76.77%	66.44%	59.00%	57.40%	60.97%	64.34%	65.91%
Noninterest income excluding
net storm-related gain/(loss), gain on sale of
credit card merchant and
securities transactions as a percent
of total revenue (TE)		32.77%	34.06%	31.10%	29.68%	29.92%	30.28%	30.18%	33.14%	32.48%
				- more -
Hancock Holding Company										- Add 11 -
Quarterly Financial Data
(amounts in thousands, except
per share data and FTE headcount)
(unaudited)
		2005				2006				2007
		1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	1Q
Asset Quality Information
Non-accrual loans		$6,335	$8,052	$10,373	$10,617	$8,676	$7,237	$5,179	$3,500	$4,494
Foreclosed assets		3,591	2,567	2,973	1,898	1,779	1,606	970	681	718
Total non-performing assets		$9,926	$10,619	$13,346	$12,515	$10,455	$8,843	$6,149	$4,181	$5,212
Non-performing assets as a percent of loans
and foreclosed assets		0.36%	0.37%	0.45%	0.42%	0.35%	0.29%	0.20%	0.13%	0.16%
Accruing loans 90 days past due		$2,798	$3,914	$6,156	$25,622	$6,632	$6,681	$3,626	$2,552	$6,035
Accruing loans 90 days past due as
a percent of loans		0.10%	0.14%	0.21%	0.86%	0.22%	0.22%	0.12%	0.08%	0.18%
Non-performing assets + accruing loans
90 days past due to loans and
foreclosed assets		0.46%	0.51%	0.65%	1.28%	0.57%	0.51%	0.31%	0.21%	0.34%
Net charge-offs		$2,260	$1,691	$1,704	$3,104	($108)	$3,001	$2,608	$1,523	$1,465
Net charge-offs as
a percent of average loans		0.33%	0.24%	0.23%	0.41%	-0.01%	0.40%	0.34%	0.19%	0.18%
Allowance for loan losses		$41,182	$41,382	$76,584	$74,558