Hancock Holding Company															- Add 10 -
Average Balance and Net Interest Margin Summary
(amounts in thousands)
(unaudited)
			Three Months Ended
			06/30/06					03/31/06					06/30/05
			Interest		Volume		Rate	Interest		Volume		Rate	Interest		Volume		Rate
Average Earning Assets
Commercial & real estate loans (TE)			$30,613		$1,699,768		7.22%	$28,637		$1,674,706		6.93%	$23,775		$1,523,348		6.26%
Mortgage loans			5,980		410,522		5.83%	5,897		410,023		5.75%	5,886		417,307		5.64%
Consumer loans			18,356		883,901		8.33%	17,473		885,732		8.00%	17,018		894,852		7.63%
Loan fees & late charges			2,476		-		0.00%	2,320		-		0.00%	2,348		-		0.00%
Total loans (TE)			57,425		2,994,191		7.69%	54,327		2,970,461		7.40%	49,028		2,835,506		6.93%
US treasury securities			454		42,028		4.33%	627		60,086		4.23%	61		11,076		2.20%
US agency securities			15,954		1,346,963		4.74%	13,786		1,194,312		4.62%	4,977		484,119		4.11%
CMOs			1,626		164,825		3.95%	1,810		184,276		3.93%	2,608		262,799		3.97%
Mortgage backed securities			5,643		484,002		4.66%	5,519		477,789		4.62%	5,170		468,239		4.42%
Municipals (TE)			2,673		158,553		6.74%	2,723		163,175		6.67%	2,841		162,467		6.99%
Other securities			944		76,641		4.93%	872		73,320		4.76%	785		60,853		5.16%
Total securities (TE)			27,294		2,273,012		4.80%	25,336		2,152,958		4.71%	16,441		1,449,554		4.54%
Total short-term investments			3,656		338,443		4.33%	3,900		335,986		4.71%	299		47,260		2.54%
Average earning assets yield (TE)			$88,375		$5,605,646		6.32%	$83,563		$5,459,405		6.17%	$65,768		$4,332,320		6.08%
								-1.7E-10
Interest-bearing Liabilities
Interest-bearing transaction deposits			$3,780		$1,696,598		0.89%	$3,266		$1,714,514		0.77%	$2,129		$1,319,606		0.65%
Time deposits			14,451		1,504,343		3.85%	13,005		1,406,969		3.75%	9,570		1,116,973		3.44%
Public Funds			8,658		837,751		4.15%	6,750		712,394		3.84%	4,408		683,665		2.59%
Total interest bearing deposits			26,888		4,038,692		2.67%	23,021		3,833,877		2.44%	16,106		3,120,245		2.07%
Customer repos			1,573		200,973		3.14%	1,641		230,725		2.88%	1,095		231,456		1.90%
Other borrowings			174		9,415		7.43%	611		57,014		4.35%	759		73,181		4.16%
Total borrowings			1,747		210,388		3.33%	2,252		287,738		3.17%	1,854		304,637		2.44%
Total interest bearing liab cost			$28,636		$4,249,079		2.70%	$25,273		$4,121,615		2.49%	$17,961		$3,424,882		2.10%
Noninterest-bearing deposits					1,177,756					1,201,186					730,570
Other net interest-free funding sources					178,810					136,604					176,868
Total Cost of Funds			$28,636		$5,605,646		2.05%	$25,273		$5,459,405		1.88%	$17,961		$4,332,320		1.66%
Net Interest Spread (TE)			$59,740				3.61%	$58,290				3.69%	$47,807				3.98%
Net Interest Margin (TE)			$59,740		$5,605,646		4.27%	$58,290		$5,459,405		4.30%	$47,807		$4,332,320		4.42%
							- more -
Hancock Holding Company															- Add 11 -
Average Balance and Net Interest Margin Summary
(amounts in thousands)
(unaudited)
								Six Months Ended
								6/30/2006					6/30/2005
								Interest		Volume		Rate	Interest		Volume		Rate
Average Earning Assets
Commercial & real estate loans (TE)								$59,250		$1,687,306		7.08%	$46,078		$1,507,267		6.16%
Mortgage loans								11,877		410,274		5.79%	11,583		412,310		5.62%
Consumer loans								35,829		884,811		8.17%	33,427		886,454		7.60%
Loan fees & late charges								4,796		-		0.00%	4,327		-		0.00%
Total loans (TE)								111,752		2,982,391		7.55%	95,415		2,806,031		6.85%
US treasury securities								1,081		51,007		4.27%	121		11,067		2.20%
US agency securities								29,740		1,271,059		4.68%	9,262		457,412		4.05%
CMOs								3,435		174,497		3.94%	5,294		264,906		4.00%
Mortgage backed securities								11,162		480,913		4.64%	9,717		440,560		4.41%
Municipals (TE)								5,396		160,851		6.71%	5,712		163,002		7.01%
Other securities								1,817		74,990		4.84%	1,456		63,356		4.60%
Total securities (TE)								52,630		2,213,317		4.76%	31,563		1,400,303		4.51%
Total short-term investments								7,556		337,221		4.52%	1,091		89,685		2.45%
Average earning assets yield (TE)								$171,939		$5,532,930		6.25%	$128,069		$4,296,020		5.99%
Interest-Bearing Liabilities
Interest-bearing transaction deposits								$7,046		$1,705,506		0.83%	$4,050		$1,325,845		0.62%
Time deposits								27,456		1,455,925		3.80%	18,929		1,103,246		3.46%
Public Funds								15,407		775,418		4.01%	8,159		697,649		2.36%
Total interest bearing deposits								49,909		3,936,850		2.56%	31,139		3,126,740		2.01%
Customer repos								3,214		215,766		3.00%	1,759		223,213		1.59%
Other borrowings								786		33,083		4.79%	1,352		64,934		4.20%
Total borrowings								3,999		248,849		3.24%	3,111		288,147		2.18%
Total interest bearing liab cost								$53,908		$4,185,699		2.60%	$34,249		$3,414,887		2.02%
Noninterest-bearing deposits										1,189,407					715,938
Other net interest-free funding sources										157,824					165,194
Total Cost of Funds								$53,908		$5,532,930		1.96%	$34,249		$4,296,020		1.61%
Net Interest Spread (TE)								$118,030				3.65%	$93,820				3.97%
Net Interest Margin (TE)								$118,030		$5,532,930		4.28%	$93,820		$4,296,020		4.39%