Hancock Holding Company															- Add 9 -
Average Balance and Net Interest Margin Summary
(amounts in thousands)
(unaudited)
			Three Months Ended
			09/30/06					06/30/06					09/30/05
			Interest		Volume		Rate	Interest		Volume		Rate	Interest		Volume		Rate
Average Earning Assets
Commercial & real estate loans (TE)			$32,520		$1,759,173		7.34%	$30,613		$1,699,768		7.22%	$25,770		$1,584,244		6.46%
Mortgage loans			6,411		423,610		6.05%	5,980		410,522		5.83%	5,921		430,615		5.50%
Consumer loans			19,547		897,658		8.64%	18,356		883,901		8.33%	17,772		903,850		7.80%
Loan fees & late charges			2,710		-		0.00%	2,476		-		0.00%	2,183		-		0.00%
Total loans (TE)			61,188		3,080,442		7.89%	57,425		2,994,191		7.69%	51,646		2,918,709		7.03%
US treasury securities			855		67,966		4.99%	454		42,028		4.33%	62		11,296		2.17%
US agency securities			16,456		1,356,478		4.85%	15,954		1,346,963		4.74%	4,834		464,450		4.16%
CMOs			1,439		145,494		3.96%	1,626		164,825		3.95%	2,251		229,934		3.92%
Mortgage backed securities			6,231		511,372		4.87%	5,643		484,002		4.66%	4,773		436,733		4.37%
Municipals (TE)			2,935		174,744		6.72%	2,673		158,553		6.76%	2,792		160,502		6.96%
Other securities			1,042		78,188		5.33%	944		76,641		4.93%	733		61,304		4.78%
Total securities (TE)			28,958		2,334,242		4.96%	27,294		2,273,012		4.80%	15,444		1,364,219		4.53%
Total short-term investments			1,128		94,026		4.76%	3,656		338,443		4.33%	416		52,933		3.12%
Average earning assets yield (TE)			$91,275		$5,508,709		6.60%	$88,375		$5,605,646		6.32%	$67,506		$4,335,861		6.19%
Interest-bearing Liabilities
Interest-bearing transaction deposits			$3,955		$1,590,319		0.99%	$3,780		$1,696,598		0.89%	$2,317		$1,311,779		0.70%
Time deposits			16,353		1,571,129		4.13%	14,451		1,504,343		3.85%	10,222		1,143,691		3.55%
Public Funds			8,629		791,825		4.32%	8,658		837,751		4.15%	4,740		617,017		3.05%
Total interest bearing deposits			28,936		3,953,272		2.90%	26,888		4,038,692		2.67%	17,279		3,072,488		2.23%
Customer repos			2,785		271,582		4.07%	1,573		200,973		3.14%	1,467		248,505		2.34%
Other borrowings			267		33,104		3.20%	174		9,415		7.43%	913		87,253		4.15%
Total borrowings			3,052		304,686		3.97%	1,747		210,388		3.33%	2,380		335,758		2.81%
Total interest bearing liab cost			$31,988		$4,257,959		2.98%	$28,636		$4,249,079		2.70%	$19,659		$3,408,246		2.29%
Noninterest-bearing deposits					1,098,716					1,177,756					729,216
Other net interest-free funding sources					152,035					178,810					198,399
Total Cost of Funds			$31,988		$5,508,709		2.30%	$28,636		$5,605,646		2.05%	$19,659		$4,335,861		1.80%
Net Interest Spread (TE)			$59,286				3.62%	$59,740				3.61%	$47,847				3.91%
Net Interest Margin (TE)			$59,286		$5,508,709		4.29%	$59,740		$5,605,646		4.27%	$47,847		$4,335,861		4.40%
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Hancock Holding Company															- Add 10 -
Average Balance and Net Interest Margin Summary
(amounts in thousands)
(unaudited)
								Nine Months Ended
								9/30/2006					9/30/2005
								Interest		Volume		Rate	Interest		Volume		Rate
Average Earning Assets
Commercial & real estate loans (TE)								$91,770		$1,711,525		7.17%	$71,847		$1,533,208		6.26%
Mortgage loans								18,289		414,768		5.88%	17,504		418,479		5.58%
Consumer loans								55,376		889,140		8.33%	51,200		892,316		7.67%
Loan fees & late charges								7,506		-		0.00%	6,510		-		0.00%
Total loans (TE)								172,941		3,015,434		7.66%	147,061		2,844,003		6.91%
US treasury securities								1,936		56,722		4.56%	182		11,144		2.19%
US agency securities								46,196		1,299,845		4.74%	14,096		459,784		4.09%
CMOs								4,874		164,723		3.95%	7,546		253,121		3.97%
Mortgage backed securities								17,393		491,177		4.72%	14,490		439,270		4.40%
Municipals (TE)								8,344		165,533		6.72%	8,504		162,160		6.99%
Other securities								2,859		76,068		5.01%	2,189		62,664		4.66%
Total securities (TE)								81,602		2,254,068		4.83%	47,008		1,388,143		4.52%
Total short-term investments								8,684		255,265		4.55%	1,507		77,300		2.61%
Average earning assets yield (TE)								$263,226		$5,524,767		6.36%	$195,576		$4,309,446		6.06%
Interest-Bearing Liabilities
Interest-bearing transaction deposits								$11,001		$1,666,689		0.88%	$6,367		$1,321,105		0.64%
Time deposits								43,809		1,494,748		3.92%	29,151		1,116,876		3.49%
Public Funds								24,036		780,947		4.11%	12,900		670,477		2.57%
Total interest bearing deposits								78,845		3,942,384		2.67%	48,417		3,108,457		2.08%
Customer repos								5,999		234,576		3.42%	3,226		231,736		1.86%
Other borrowings								1,053		33,090		4.25%	2,265		72,455		4.18%
Total borrowings								7,051		267,666		3.52%	5,491		304,192		2.41%
Total interest bearing liab cost								$85,897		$4,210,050		2.73%	$53,908		$3,412,649		2.11%
Noninterest-bearing deposits										1,158,844					720,413
Other net interest-free funding sources										155,873					176,384
Total Cost of Funds								$85,897		$5,524,767		2.08%	$53,908		$4,309,446		1.67%
Net Interest Spread (TE)								$177,329				3.64%	$141,667				3.95%
Net Interest Margin (TE)								$177,329		$5,524,767		4.28%	$141,667		$4,309,446		4.39%
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