| Hancock Holding Company | - Add 5 - | |||||
| Financial Highlights | ||||||
| (amounts in thousands, except per share data and FTE headcount) | ||||||
| (unaudited) | ||||||
| Three Months Ended | Six Months Ended | |||||
| 6/30/2006 | 3/31/2006 | 6/30/2005 | 6/30/2006 | 6/30/2005 | ||
| Per Common Share Data | ||||||
| Earnings per share: | ||||||
| Basic | $0.68 | $0.68 | $0.56 | $1.36 | $1.03 | |
| Diluted | $0.66 | $0.67 | $0.55 | $1.32 | $1.02 | |
| Cash dividends per share | $0.220 | $0.195 | $0.165 | $0.415 | $0.330 | |
| Book value per share (period-end) | $15.12 | $15.06 | $14.87 | $15.12 | $14.87 | |
| Tangible book value per share (period-end) | $12.94 | $12.85 | $12.73 | $12.94 | $12.73 | |
| Weighted average number of shares: | ||||||
| Basic | 32,531 | 32,393 | 32,396 | 32,462 | 32,429 | |
| Diluted | 33,322 | 33,088 | 32,928 | 33,237 | 32,973 | |
| Period-end number of shares | 32,555 | 32,494 | 32,310 | 32,555 | 32,310 | |
| Market data: | ||||||
| High closing price | $57.19 | $46.67 | $34.87 | $57.19 | $34.87 | |
| Low closing price | $44.02 | $37.75 | $28.25 | $37.75 | $28.25 | |
| Period end closing price | $56.00 | $46.52 | $34.40 | $56.00 | $34.40 | |
| Trading volume | 8,737 | 3,990 | 3,527 | 12,528 | 6,814 | |
| Other Period-end Data | ||||||
| FTE headcount | 1,777 | 1,768 | 1,813 | 1,777 | 1,813 | |
| Tangible common equity | $421,369 | $417,684 | $411,203 | $421,369 | $411,203 | |
| Tier I capital | $457,738 | $440,302 | $416,312 | $457,738 | $416,312 | |
| Goodwill | $59,060 | $61,418 | $55,409 | $59,060 | $55,409 | |
| Amortizable intangibles | $10,575 | $8,725 | $11,746 | $10,575 | $11,746 | |
| Mortgage servicing intangibles | $1,256 | $1,384 | $2,082 | $1,256 | $2,082 | |
| Common shares repurchased for publicly announced plans | 22 | 17 | 96 | 39 | 136 | |
| Performance Ratios | ||||||
| Return on average assets | 1.45% | 1.49% | 1.52% | 1.47% | 1.42% | |
| Return on average common equity | 17.89% | 18.34% | 15.28% | 18.11% | 14.31% | |
| Earning asset yield (TE) | 6.32% | 6.17% | 6.08% | 6.25% | 5.99% | |
| Total cost of funds | 2.05% | 1.88% | 1.66% | 1.96% | 1.61% | |
| Net interest margin (TE) | 4.27% | 4.30% | 4.42% | 4.28% | 4.39% | |
| Non-interest expense as a percent of total revenue (TE) | ||||||
| before amortization of purchased intangibles | ||||||
| and securities transactions | 59.13% | 58.30% | 57.83% | 58.72% | 58.88% | |
| Common equity (period-end) as a percent of total assets (period-end) | 8.00% | 7.82% | 10.03% | 8.00% | 10.03% | |
| Leverage (Tier I) ratio | 7.59% | 7.45% | 8.83% | 7.59% | 8.83% | |
| Tangible common equity ratio | 6.92% | 6.75% | 8.71% | 6.92% | 8.71% | |
| Net charge-offs as a percent of average loans | 0.40% | -0.01% | 0.24% | 0.20% | 0.28% | |
| Allowance for loan losses as a percent of period-end loans | 2.33% | 2.49% | 1.45% | 2.33% | 1.45% | |
| Allowance for loan losses to NPAs + accruing loans 90 days past due | 457.10% | 432.85% | 284.75% | 457.10% | 284.75% | |
| Provision for loan losses to net charge-offs | - | 655.76% | 111.83% | -24.39% | 117.72% | |
| Loan/deposit ratio | 57.40% | 59.00% | 73.63% | 58.18% | 73.02% | |
| Non-interest income excluding | ||||||
| securities transactions as a percent of | ||||||
| total revenue (TE) | 30.28% | 29.92% | 34.06% | 30.10% | 33.43% | |
| - more - | ||||||
| Hancock Holding Company | - Add 6 - | |||||
| Financial Highlights | ||||||
| (amounts in thousands, except per share data and FTE headcount) | ||||||
| (unaudited) | ||||||
| Three Months Ended | Six Months Ended | |||||
| 6/30/2006 | 3/31/2006 | 6/30/2005 | 6/30/2006 | 6/30/2005 | ||
| Asset Quality Information | ||||||
| Non-accrual loans | $7,237 | |||||