Hancock Holding Company   
 Quarterly Financial Data 
 (amounts in thousands, except 
  per share data and FTE headcount)
 (unaudited)  2003 2004 2005
  3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q
Per Common Share Data                
           
Earnings per share:          
    Basic   $0.42 $0.48 $0.44 $0.50 $0.47 $0.49 $0.48 $0.56
    Diluted   $0.41 $0.46 $0.43 $0.50 $0.47 $0.48 $0.47 $0.55
Cash dividends per share  $0.115 $0.115 $0.125 $0.125 $0.165 $0.165 $0.165 $0.165
Book value per share (period end) $12.81 $13.06 $13.75 $13.32 $14.16 $14.32 $14.16 $14.87
Tangible book value per share (period end) $10.92 $11.19 $11.58 $11.17 $12.03 $12.16 $11.99 $12.73
Weighted average number of shares:        
    Basic           30,623         30,510         32,048         32,549         32,495         32,467         32,463         32,396
    Diluted           33,299         33,288         33,018         33,042         33,054         33,076         33,019         32,928
Period-end number of shares         30,521         30,450         32,558         32,538         32,472         32,440         32,463         32,310
Market data:          
    High closing price $25.85 $29.25 $32.00 $32.25 $34.27 $34.83 $34.20 $34.87
    Low closing price $23.01 $24.68 $27.08 $25.00 $27.32 $30.00 $30.25 $28.25
    Period end closing price  $24.68 $27.29 $30.96 $29.06 $31.79 $33.46 $32.50 $34.40
    Trading volume          3,032          2,963           2,745           3,252           2,792           2,781           3,286           3,527
         
Other Period-end Data        
         
FTE Headcount   1,751 1,734 1,717 1,754 1,731 1,767 1,766 1,813
Tangible common equity $333,125 $340,583 $377,056 $363,451 $390,696 $394,389 $389,344 $411,203
Tier I capital   $371,677 $378,262 $372,527 $381,428 $391,098 $399,320 $408,163 $416,312
Goodwill   $49,100 $49,100 $59,281 $56,474 $56,474 $55,409 $55,409 $55,409
Amortizable intangibles $5,816 $5,376 $8,732 $11,410 $10,852 $12,263 $12,510 $11,746
Mortgage servicing intangibles $3,023 $2,755 $2,464 $2,171 $1,922 $2,520 $2,288 $2,082
Common shares repurchased for publicly         
  announced plans 155.7 63.1 51.8 100.0 84.3 0.0 40.0 96.1
         
Performance Ratios        
         
Return on average assets 1.31% 1.47% 1.33% 1.49% 1.37% 1.39% 1.32% 1.52%
Return on average common equity 13.79% 15.21% 13.01% 14.97% 13.67% 13.54% 13.32% 15.27%
Earning asset yield (TE) 5.99% 5.96% 5.82% 5.83% 5.86% 6.00% 5.90% 6.08%
Total cost of funds 1.46% 1.42% 1.41% 1.43% 1.44% 1.47% 1.55% 1.66%
Net interest margin (TE) 4.54% 4.54% 4.41% 4.40% 4.42% 4.53% 4.35% 4.42%
Non-interest expense as a percent        
   of total revenue (TE) before amortization        
     of purchased intangibles and        
     securities transactions 57.90% 56.12% 60.17% 56.79% 57.55% 54.95% 59.99% 57.83%
Average common equity as        
   a percent of average total assets 9.49% 9.63% 10.24% 9.95% 10.00% 10.26% 9.94% 9.94%
Leverage ratio    9.10% 9.29% 8.73% 8.76% 8.86% 8.97% 8.75% 8.83%
Tangible common equity to assets  8.15% 8.32% 8.77% 8.27% 8.83% 8.58% 8.28% 8.71%
Net charge-offs as a        
   percent of average loans 0.52% 0.61% 0.45% 0.47% 0.45% 0.56% 0.33% 0.24%
Allowance for loan losses as         
   a percent of period end loans 1.54% 1.50% 1.49% 1.47% 1.45% 1.48% 1.48% 1.45%
Allowance for loan losses to         
   NPAs + loans 90 days past due 147.27% 169.73% 188.51% 211.55% 225.17% 251.85% 323.66% 284.75%
Provision for loan losses to net charge-offs 133.92% 113.59% 126.92% 126.52% 114.34% 150.98% 122.13% 111.83%
Loan/Deposit Ratio 66.78% 70.10% 70.16% 70.13% 73.07% 75.19% 72.40% 73.63%
Non-interest income excluding        
  securities transactions, as a percent        
  of total revenue (TE) 30.70% 31.40% 34.75% 35.93% 31.98% 32.37% 32.77% 34.06%
 
 Hancock Holding Company   
 Quarterly Financial Data 
 (amounts in thousands, except 
  per share data and FTE headcount)
 (unaudited)  2003 2004 2005
  3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q
Asset Quality Information          
           
Non-accrual loans $13,988 $12,161 $9,670 $10,134 $7,770 $7,480 $6,335 $8,052
Foreclosed assets 6,187 5,809 5,212 4,270 4,151 3,513 3,591 2,567
Total non-performing assets $20,175 $17,970 $14,882 $14,404 $11,921 $10,993 $9,926 $10,619
Non-performing assets as a percent of loans        
  and foreclosed assets 0.86% 0.73% 0.59% 0.55% 0.44% 0.40% 0.36% 0.37%
         
Accruing Loans 90 days past due $4,439 $3,682 $5,011 $3,701 $5,277 $5,160 $2,798 $3,914
Accruing Loans 90 days past due as         
   a percent of loans 0.19% 0.15% 0.20% 0.14% 0.20% 0.19% 0.10% 0.14%
Non-performing assets + accruing loans        
   90 days past due to loans and        
   foreclosed assets 1.05% 0.88% 0.79% 0.69% 0.64% 0.59% 0.46% 0.51%
         
Net charge-offs   $2,978 $3,680 $2,786 $3,017 $2,963 $3,839 $2,260 $1,691
Net charge-offs as        
   a percent of average loans 0.52% 0.61% 0.45% 0.47% 0.45% 0.56% 0.33% 0.24%
         
Allowance for loan losses $36,250 $36,750 $37,500 $38,300 $38,725 $40,682 $41,182 $41,382
Allowance for loan losses as a        
   percent of period end loans 1.54% 1.50% 1.49% 1.47% 1.45% 1.48% 1.48% 1.45%
Allowance for loan losses to NPAs +        
   accruing loans 90 days past due 147.27% 169.73% 188.51% 211.55% 225.17% 251.85% 323.66% 284.75%
         
Provision for loan losses $3,988 $4,180 $3,536 $3,817 $3,388 $5,796 $2,760 $1,891
Provision for loan losses to net charge-offs 133.92% 113.59% 126.92% 126.52% 114.34% 150.98% 122.13% 111.83%
         
Net Charge-Off Information        
         
Net charge-offs:        
Commercial/real estate loans $880 $599 $1,159 $788 $734 $1,003 $770 $202
Mortgage loans                 -                 74                (1)              (26)              (22)               38               68                (5)
Direct consumer loans          1,094          1,583             637           1,182           1,222           1,173             501             491
Indirect consumer loans             637             576             442             572             402             910             540             538
Finance company loans             367             848             549             501             627             715             381             465
Total net charge-offs $2,978 $3,680 $2,786 $3,017 $2,963 $3,839 $2,260 $1,691
         
Average loans:          
Commercial/real estate loans $1,159,338 $1,237,715 $1,299,399 $1,352,432 $1,396,149 $1,439,074 $1,491,008 $1,523,348
Mortgage loans         359,563       361,715       367,320       391,270       400,710       408,535       407,258       417,307
Direct consumer loans       492,307       491,340       487,452       483,150       487,139       498,336       503,700       509,628
Indirect consumer loans       225,199       248,817       268,311       279,230       296,755       307,413       313,542       323,100
Finance Company loans         52,509         54,598         55,488         57,829         59,935         60,604         60,720         62,124
Total average loans $2,288,917 $2,394,185 $2,477,971 $2,563,910 $2,640,689 $2,713,963 $2,776,229 $2,835,506
         
Net charge-offs to average loans:        
Commercial/real estate loans 0.30% 0.19% 0.36% 0.23% 0.21% 0.28% 0.21% 0.05%
Mortgage loans   0.00% 0.08% 0.00% -0.03% -0.02% 0.04% 0.07% 0.00%
Direct consumer loans 0.88% 1.28% 0.53% 0.98% 1.00% 0.94% 0.40% 0.39%
Indirect consumer loans 1.12% 0.92% 0.66% 0.82% 0.54% 1.18% 0.70% 0.67%
Finance Company loans 2.77% 6.16% 3.98% 3.48% 4.16% 4.69% 2.54% 3.00%
Total net charge-offs to average loans 0.52% 0.61% 0.45% 0.47% 0.45% 0.56% 0.33% 0.24%
 
 Hancock Holding Company   
 Quarterly Financial Data 
 (amounts in thousands, except 
  per share data and FTE headcount)
 (unaudited)  2003 2004 2005
  3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q
Income Statement        
         
Interest income  $55,208 $54,697 $53,842 $56,318 $57,424 $59,190 $60,531 $64,027
Interest income (TE)         56,975         56,464         55,696         58,115         59,184         61,051         62,302