Hancock Holding Company															- Add 8 -
Average Balance and Net Interest Margin Summary
(amounts in thousands)
(unaudited)
			Three Months Ended
			09/30/07					06/30/07					09/30/06
			Interest		Volume		Rate	Interest		Volume		Rate	Interest		Volume		Rate
Average Earning Assets
Commercial & real estate loans (TE)			$38,563		$2,055,922		7.45%	$36,689		$1,989,420		7.40%	$32,520		$1,759,173		7.34%
Mortgage loans			6,764		439,458		6.16%	6,677		433,310		6.16%	6,411		423,610		6.05%
Consumer loans			21,871		974,902		8.90%	20,978		948,810		8.87%	19,547		897,658		8.64%
Loan fees & late charges			257		-		0.00%	291		-		0.00%	2,710		-		0.00%
Total loans (TE)			$67,455		3,470,282		7.72%	$64,635		$3,371,540		7.69%	$61,188		$3,080,441		7.89%
US treasury securities			128		11,169		4.53%	414		34,141		4.87%	855		67,966		4.99%
US agency securities			10,223		801,585		5.10%	10,987		866,747		5.07%	16,456		1,356,478		4.85%
CMOs			830		80,989		4.10%	948		93,145		4.07%	1,439		145,494		3.96%
Mortgage backed securities			6,557		513,545		5.11%	5,847		469,500		4.98%	6,231		511,372		4.87%
Municipals (TE)			2,634		195,956		5.38%	2,653		196,861		5.39%	2,936		174,744		6.72%
Other securities			817		65,035		5.03%	932		73,475		5.07%	1,042		78,188		5.33%
Total securities (TE)			21,189		1,668,279		5.08%	21,781		1,733,869		5.03%	28,959		2,334,242		4.96%
Total short-term investments			1,389		120,116		4.59%	788		67,520		4.68%	1,128		94,026		4.76%
Average earning assets yield (TE)			$90,033		5,258,677		6.81%	$87,204		5,172,929		6.76%	$91,275		$5,508,709		6.60%
Interest-bearing Liabilities
Interest-bearing transaction deposits			$4,682		$1,383,851		1.34%	$4,913		$1,461,092		1.35%	$3,955		$1,590,318		0.99%
Time deposits			21,295		1,837,292		4.60%	18,555		1,655,322		4.50%	16,352		1,571,129		4.13%
Public Funds			8,753		823,316		4.22%	8,439		775,431		4.37%	8,629		791,825		4.32%
Total interest bearing deposits			$34,730		4,044,459		3.41%	$31,907		$3,891,845		3.29%	$28,936		$3,953,272		2.90%
Total borrowings			1,892		206,072		3.64%	1,814		197,261		3.65%	3,202		304,686		4.17%
Capitalized Interest			(155)					(327)					(150)
Total interest bearing liab cost			36,467		$4,250,531		3.40%	33,394		$4,089,106		3.28%	$31,988		$4,257,958		2.98%
Noninterest-bearing deposits					893,455					950,637					1,098,716
Other net interest-free funding sources					114,691					133,186					152,035
Total Cost of Funds			36,467		$5,258,677		2.75%	33,394		$5,172,929		2.59%	$31,988		$5,508,709		2.30%
Net Interest Spread (TE)			$53,566				3.41%	$53,810				3.48%	$59,287				3.62%
Net Interest Margin (TE)			$53,566		$5,258,677		4.06%	$53,810		$5,172,929		4.17%	$59,287		$5,508,709		4.29%
								- more -
Hancock Holding Company															- Add 9 -
Average Balance and Net Interest Margin Summary
(amounts in thousands)
(unaudited)
								Nine Months Ended
								9/30/2007					9/30/2006
								Interest		Volume		Rate	Interest		Volume		Rate
Average Earning Assets
Commercial & real estate loans (TE)								$110,483		$1,992,890		7.41%	$91,769		$1,711,525		7.17%
Mortgage loans								19,950		433,006		6.14%	18,289		414,768		5.88%
Consumer loans								63,045		952,893		8.85%	55,376		889,141		8.33%
Loan fees & late charges								992		-		0.00%	7,506		-		0.00%
Total loans (TE)								194,470		$3,378,789		7.69%	172,940		$3,015,434		7.66%
US treasury securities								1,278		35,083		4.87%	1,936		56,722		4.56%
US agency securities								32,966		869,107		5.06%	46,196		1,299,845		4.74%
CMOs								2,882		93,941		4.09%	4,874		164,723		3.95%
Mortgage backed securities								17,887		476,077		5.01%	17,393		491,177		4.72%
Municipals (TE)								8,148		197,200		5.51%	8,344		165,533		6.72%
Other securities								2,671		72,233		4.93%	2,859		76,068		5.01%
Total securities (TE)								65,832		1,743,641		5.03%	81,602		2,254,068		4.83%
Total short-term investments								5,060		139,323		4.86%	8,684		255,265		4.55%
Average earning assets yield (TE)								$265,362		$5,261,753		6.74%	$263,226		$5,524,767		6.36%
Interest-Bearing Liabilities
Interest-bearing transaction deposits								$14,360		$1,445,384		1.33%	$11,001		$1,666,689		0.88%
Time deposits								58,871		1,730,787		4.55%	43,809		1,494,748		3.92%
Public Funds								26,221		806,476		4.35%	24,036		780,947		4.11%
Total interest bearing deposits								$99,452		$3,982,647		3.34%	$78,846		$3,942,384		2.67%
Total borrowings								5,589		203,025		3.68%	7,298		267,666		3.65%
Capitalized Interest								(872)					(247)
Total interest bearing liab cost								104,169		$4,185,672		3.33%	$85,897		$4,210,050		2.73%
Noninterest-bearing deposits										942,360					1,158,844
Other net interest-free funding sources										133,721					155,873