Exhibit 99.1

For Immediate Release

January 17, 2017

For More Information

Trisha Voltz Carlson

SVP, Investor Relations Manager

504.299.5208

trisha.carlson@hancockwhitney.com

Hancock reports fourth quarter 2016 EPS of $.64

Beat Core Pre-tax pre-provision Income Goal for 2016 by $11 million; Up 25% vs. 2015

GULFPORT, Miss. (January 17, 2017) — Hancock Holding Company (Nasdaq: HBHC) today announced its financial results for the fourth quarter of 2016. Net income for the fourth quarter of 2016 was $51.8 million, or $.64 per diluted common share (EPS), compared to $46.7 million, or $.59 EPS in the third quarter of 2016 and $15.3 million, or $.19 EPS, in the fourth quarter of 2015. Net income for the full year of 2016 was $149.3 million, or $1.87 EPS, compared to $131.5 million, or $1.64 EPS, for the full year of 2015.

Highlights of the company's fourth quarter 2016 results (compared to third quarter 2016):

·	Earnings up approximately 11%

o	Revenue up 3%

o	Noninterest income up almost 5%

o	Loan loss provision decreased 24% to $14.5 million, compared to $19.0 million

·	Core pre-tax pre-provision (core PTPP) income of $87.2 million, up $1.1 million or 1% (up $67.7 million, or 25%, 2016 vs. 2015)

·	Total loans up $681 million, or 17% linked-quarter annualized (LQA)

·	Net interest margin (NIM) of 3.26% up 6 basis points (bps); core NIM up 7 bps to 3.19%

·	Energy loans comprise 8.4% of total loans, down from 8.7%

·	Allowance for the energy portfolio totals $106.5 million, or 7.5% of energy loans

·	Tangible common equity (TCE) ratio up 71 bps to 8.64%; company raised $259 million of new capital on December 16, 2016

·	Signed an agreement to purchase certain assets and liabilities, including 9 branches, from First NBC Bank; the transaction is expected to close in the first quarter of 2017

"This quarter's results reflect continued progress in achieving the goals we put in place in late 2014," said President and CEO John M. Hairston. "Our net income for 2016 was up almost 14% compared to 2015 and we successfully exceeded our goal for core pre-tax pre-provision income, growing it by 25% in 2016 compared to 2015. We did this through organic balance sheet growth of over $1 billion, margin stability, expanding sources of noninterest income and keeping expenses flat. I am extremely proud of our 3,800 associates for achieving this goal and I look forward to continuing the momentum in 2017."

Hancock reports fourth quarter 2016 financial results

January 17, 2017

Loans

Total loans at December 31, 2016 were $16.8 billion, up approximately $681 million from September 30, 2016. Loans to energy-related companies increased $12 million, or less than 1%, linked-quarter. The company's net loan growth during the quarter was diversified across the footprint and also in areas identified as part of the company's revenue-generating initiatives.

Average loans totaled $16.3 billion for the fourth quarter of 2016, up $300 million, or 2%, linked-quarter.

Energy

At December 31, 2016, loans to the energy industry totaled $1.4 billion, or 8.4% of total loans. As noted earlier, the energy portfolio was up less than 1% linked-quarter ($12 million) and is comprised of credits to both the exploration and production (E&P) sector and the support and services sectors. Payoffs and paydowns of approximately $62 million, plus charge-offs of approximately $12 million, were partially offset by approximately $57 million of draws on existing lines and $29 million in new E&P credit relationships.

The impact and severity of future risk rating migration, as well as any associated provisions or net charge-offs, will depend on overall oil prices and the duration of the cycle. As previously noted, even with improving oil prices, management still expects a continued lag in the recovery of energy service and support credits. Reserve-based lending credits are beginning to show signs of improvement given the stabilization in oil prices, and we expect improvement in land-based services, and non-drilling services in the Gulf of Mexico to follow.

Management currently estimates that charge-offs from energy-related credits could approximate $65-$95 million over the duration of the cycle, of which approximately $42 million has been taken to-date ($12 million in the fourth quarter of 2016). While we expect additional charge-offs in the portfolio, we continue to believe the impact on the company of the energy cycle will be manageable and our capital will remain solid.

Deposits

Total deposits at December 31, 2016 were $19.4 billion, up $539 million, or 3%, from September 30, 2016. Average deposits for the fourth quarter of 2016 were $18.9 billion, up $202 million, or 1%, linked-quarter.

Noninterest-bearing demand deposits (DDAs) totaled $7.7 billion at December 31, 2016, up $115 million, or 2%, from September 30, 2016. DDAs comprised 39% of total period-end deposits at December 31, 2016.

Interest-bearing transaction and savings deposits totaled $6.9 billion at the end of the fourth quarter of 2016, up $290 million, or 4%, from September 30, 2016. Time deposits of $2.3 billion were down $36 million, or 2%, while interest-bearing public fund deposits increased $170 million, or 7%, to $2.6 billion at December 31, 2016.

Asset Quality

Nonperforming assets (NPAs) totaled $377 million at December 31, 2016, up $46 million from September 30, 2016. During the fourth quarter of 2016, total nonperforming loans increased approximately $47 million, while foreclosed and surplus real estate (ORE) and other foreclosed assets decreased approximately $1 million. The linked-quarter increase in nonperforming loans includes $32 million in two restructured accruing energy credits. Nonperforming assets as a percent of total loans, ORE and other foreclosed assets was 2.25% at December 31, 2016, up 19 bps from September 30, 2016.

Hancock reports fourth quarter 2016 financial results

January 17, 2017

The total allowance for loan losses (ALLL) was $229.4 million at December 31, 2016, down $6.6 million from September 30, 2016. The ratio of the allowance for loan losses to period-end loans was 1.37% at December 31, 2016, down from 1.47% at September 30, 2016. The allowance for credits in the energy portfolio totaled $106.5 million, or 7.54% of energy loans, at December 31, 2016, down from $118.3 million, or 8.45% of energy loans, at September 30, 2016.

Net charge-offs from the non-purchased credit impaired (PCI) loan portfolio were $20.4 million, or 0.50% of average total loans on an annualized basis in the fourth quarter of 2016, up from $9.5 million, or 0.24% of average total loans in the third quarter of 2016. Included in the fourth quarter's total are $11.9 million in charge-offs related to one energy credit in the drilling support sector. Energy charge-offs were $4.4 million in the third quarter of 2016.

During the fourth quarter of 2016, Hancock recorded a total provision for loan losses of $14.5 million, down from $19.0 million in the third quarter of 2016.

Net Interest Income and Net Interest Margin
Net interest income (TE) for the fourth quarter of 2016 was $175.3 million, up $5.0 million from the third quarter of 2016. During the fourth quarter, the impact on net interest income from purchase accounting adjustments (PAAs) declined $0.8 million to $3.8 million. Excluding the impact from purchase accounting items, core net interest income increased $5.8 million linked-quarter. The increase is due to the improvement in volume during the quarter. Average earning assets were $21.5 billion for the fourth quarter of 2016, up $265 million, or 1%, from the third quarter of 2016.

The reported net interest margin (TE) was 3.26% for the fourth quarter of 2016, up 6 bps from the third quarter of 2016. The core net interest margin (reported net interest income (TE) excluding total net purchase accounting adjustments, annualized, as a percent of average earning assets) increased 7 bps to 3.19% during the fourth quarter of 2016. The main driver of the expansion was a change in the mix of earning assets during the quarter coupled with an increase of 4 bps in the securities portfolio.

Noninterest Income

Noninterest income totaled $65.9 million for the fourth quarter of 2016, up $2.9 million, or 5%, from the third quarter of 2016. Included in the total is amortization of $1.2 million related to the FDIC indemnification asset, down from $1.5 million in the third quarter of 2016. Excluding the impact of this item, noninterest income totaled $67.1 million, up $2.6 million, or 4%, linked-quarter.

Service charges on deposits totaled $18.7 million for the fourth quarter of 2016, virtually unchanged from the third quarter of 2016. Bank card and ATM fees totaled $12.3 million, up $0.5 million, or 4%, from the third quarter of 2016.

Trust fees totaled $11.8 million, up $0.3 million, or 2% linked-quarter. Investment and annuity income and insurance fees totaled $5.1 million, down $0.3 million, or 6% linked-quarter.

Fees from secondary mortgage operations totaled $4.3 million for the fourth quarter of 2016, down $0.6 million, or 13% linked-quarter.

Other noninterest income (excluding the amortization of the FDIC indemnification asset noted above) totaled $14.7 million, up $2.8 million, or 24%, from the third quarter of 2016. The linked-quarter increase is primarily driven by a $3.3 million gain on sale of bank property.

Hancock reports fourth quarter 2016 financial results

January 17, 2017

Noninterest Expense & Taxes
Noninterest expense for the fourth quarter of 2016 totaled $156.3 million, up $7.2 million, or 5%, from the third quarter of 2016. The increase linked-quarter is mainly driven by personnel expense and additional expenses related to the flooding in south Louisiana in August.

Total personnel expense was $87.6 million in the fourth quarter of 2016, up $4.4 million, or 5%, from the third quarter of 2016.The increase is related to additional incentive pay due mainly to the company meeting its overall corporate objectives for 2016.

Occupancy and equipment expense totaled $13.9 million in the fourth quarter of 2016, up $0.5 million, or 4%, from the third quarter of 2016.

Amortization of intangibles totaled $4.8 million for the fourth quarter of 2016, down $0.1 million, or 2%, linked-quarter.

ORE expenses totaled $0.6 million in the fourth quarter of 2016. Net gains on ORE dispositions exceeded ORE expense in the third quarter of 2016 by $5.2 million.

Other operating expense (excluding ORE) totaled $49.4 million in the fourth quarter of 2016, down $3.4 million, or 6%, from the third quarter of 2016. The decrease is mainly related to $4.0 million of expense from an early contract termination in the third quarter of 2016, partially offset by $1.2 million of insurance claims related to the August 2016 flooding in south Louisiana in the current quarter.

The effective income tax rate for the fourth quarter of 2016 was 18%. Management expects a return to the company's historical effective tax rate (25-27%) in 2017, excluding any changes in the tax code as a result of the presidential election. The effective income tax rate continues to be less than the statutory rate of 35% due primarily to tax-exempt income and tax credits.

Capital

Common shareholders' equity at December 31, 2016 totaled $2.7 billion. The tangible common equity (TCE) ratio was 8.64%, up 71 bps from September 30, 2016. On December 16, 2016 the company issued $259 million, or 6.325 million shares, of its common stock. No shares of the company's common stock were repurchased in the fourth quarter of 2016. There is no current buyback authorization in place, as the most recent authorization expired on September 30, 2016. Additional capital ratios are included in the financial tables.

On December 30, 2016 the company announced it would deploy a portion of the net proceeds from its common stock offering to purchase certain assets and liabilities, including 9 branches, from First NBC Bank. The impact of this transaction is expected to be reflected in the company's first quarter of 2017 results.

Conference Call and Slide Presentation

Management will host a conference call for analysts and investors at 9:00 a.m. Central Time on Wednesday, January 18, 2017 to review the results. A live listen-only webcast of the call will be available under the Investor Relations section of Hancock's website at www.hancockwhitney.com/investors. A link to the release with additional financial tables, and a link to a slide presentation related to fourth quarter results are also posted as part of the webcast link. To participate in the Q&A portion of the call, dial (877) 564-1219 or (973) 638-3429. An audio archive of the conference call will be available under the Investor

Hancock reports fourth quarter 2016 financial results

January 17, 2017

Relations section of our website. A replay of the call will also be available through January 25, 2017 by dialing (855) 859-2056 or (404) 537-3406, passcode 45273259.

About Hancock Holding Company

Hancock Holding Company is a financial services company with regional business headquarters and locations across the Gulf South. The company's banking subsidiary provides comprehensive financial products and services through Hancock Bank locations in Mississippi, Alabama, and Florida and Whitney Bank locations in Louisiana and Texas, including traditional, online, and mobile banking; commercial and small business banking; private banking; trust and investment services; certain insurance services; and mortgage services. More information is available at www.hancockwhitney.com.

Non-GAAP Financial Measures

This news release includes non-GAAP financial measures to describe Hancock's performance. The reconciliations of those measures to GAAP measures are provided within Appendix A to this news release on page 17.

In this news release, consistent with Securities and Exchange Commission Industry Guide 3, the company presents net interest income, net interest margin and efficiency ratios on a fully taxable equivalent ("TE") basis. The TE basis adjusts for the tax-favored status of net interest income from certain loans and investments using a federal tax rate of 35% to increase tax-exempt interest income to a taxable-equivalent basis. The company believes this measure to be the preferred industry measurement of net interest income and it enhances comparability of net interest income arising from taxable and tax-exempt sources.

Over the past several quarters we have disclosed our focus on strategic initiatives that were designed to replace declining levels of purchase accounting income from acquisitions with improvement in core income, which the company defines as income excluding net purchase accounting income. The company presents core income non-GAAP measures including core net interest income and core net interest margin, core revenue and core pre-tax pre-provision profit. These measures are provided to assist the reader with better understanding of the company's performance period over period as well as providing investors with assistance in understanding the success management has experienced in executing its strategic initiatives.

We define Core Net Interest Income as net interest income excluding net purchase accounting accretion resulting from the fair market value adjustments related to acquired operations. We define Core Net Interest Margin as reported core net interest income (TE) expressed as a percentage of average earning assets. A reconciliation of reported net interest income to core net interest income and reported net interest margin to core net interest margin is included in Appendix A.

We define Core Revenue as core net interest income (TE) and noninterest income less the amortization of the FDIC loss share receivable related to loans acquired in an FDIC assisted transaction. A reconciliation of total revenue to core revenue is included in Appendix A.

We define Core Pre-tax pre-provision Income as core revenue less noninterest expense, excluding nonoperating items and intangible asset amortization. Management believes that core pre-tax pre-provision profit is a useful financial measure because it enables investors and others to assess the Company's ability to generate capital to cover credit losses through a credit cycle. A reconciliation of net income to core pre-tax pre-provision profit is included in Appendix A.

Hancock reports fourth quarter 2016 financial results

January 17, 2017

Important Cautionary Statement About Forward-Looking Statements
This news release contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward looking statements that we may make include statements regarding balance sheet and revenue growth, the provision for loans losses, loan growth expectations, management's predictions about charge-offs for loans, including energy-related credits, the impact of changes in oil and gas prices on our energy portfolio, and the downstream impact on businesses that support the energy sector, especially in the Gulf Coast region, the impact of the First NBC transaction on our performance and financial condition, deposit trends, credit quality trends, net interest margin trends, future expense levels, success of revenue-generating initiatives, projected tax rates, future profitability, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts such as accretion levels, possible repurchases of shares under stock buyback programs, and the financial impact of regulatory requirements. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words "believes," "expects," "anticipates," "estimates," "intends," "plans," "forecast," "goals," "targets," "initiatives," "focus," "potentially," "probably," "projects," "outlook" or similar expressions or future conditional verbs such as "may," "will," "should," "would," and "could." Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events.

Forward-looking statements are subject to significant risks and uncertainties. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, "Item 1A. Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2015 and in other periodic reports that we file with the SEC.

HANCOCK HOLDING COMPANY FINANCIAL HIGHLIGHTS (Unaudited)
	Three Months Ended									Twelve Months Ended
(amounts in thousands, except per share data)	12/31/2016			9/30/2016			12/31/2015			12/31/2016			12/31/2015
INCOME STATEMENT DATA
Net interest income	$	167,798		$	163,513		$	158,395		$	659,116		$	625,174
Net interest income (TE) (a)		175,314			170,297			162,635			684,955			638,762
Provision for loan losses		14,455			18,972			50,196			110,659			73,038
Noninterest income		65,893			63,008			59,653			250,781			237,284
Noninterest expense		156,283			149,058			156,030			612,315			619,655
Net income		51,831			46,719			15,307			149,296			131,461
Nonoperating items - pre-tax (for informational purposes only)		-			-			-			4,978			15,908

PERIOD-END BALANCE SHEET DATA
Loans	$	16,752,151		$	16,070,821		$	15,703,314		$	16,752,151		$	15,703,314
Securities		5,017,128			4,843,112			4,463,792			5,017,128			4,463,792
Earning assets		21,881,520			21,085,398			20,753,095			21,881,520			20,753,095
Total assets		23,975,302			23,108,730			22,833,605			23,975,302			22,833,605
Noninterest-bearing deposits		7,658,203			7,543,041			7,276,127			7,658,203			7,276,127
Total deposits		19,424,266			18,885,477			18,348,912			19,424,266			18,348,912
Common shareholders' equity		2,719,768			2,489,127			2,413,143			2,719,768			2,413,143

AVERAGE BALANCE SHEET DATA
Loans	$	16,323,897		$	16,023,458		$	15,198,232		$	16,064,593		$	14,433,367
Securities (b)		4,939,240			4,707,224			4,480,972			4,706,482			4,208,195
Earning assets		21,462,188			21,197,406			20,140,432			21,180,146			19,173,322
Total assets		23,437,530			23,202,790			22,171,216			23,178,633			21,245,020
Noninterest-bearing deposits		7,534,392			7,277,568			6,709,188			7,232,221			6,195,234
Total deposits		18,912,155			18,710,236			17,821,484			18,656,325			17,124,789
Common shareholders' equity		2,517,418			2,472,398			2,453,480			2,463,067			2,442,787

COMMON SHARE DATA
Earnings per share - diluted	$	0.64		$	0.59		$	0.19		$	1.87		$	1.64
Cash dividends per share		0.24			0.24			0.24			0.96			0.96
Book value per share (period-end)		32.29			32.09			31.14			32.29			31.14
Tangible book value per share (period-end)		23.87			22.89			21.74			23.87			21.74
Weighted average number of shares - diluted		79,067			77,677			77,544			77,949			78,307
Period-end number of shares		84,235			77,571			77,496			84,235			77,496
Market data
High sales price	$	45.50		$	32.94		$	30.96		$	45.50		$	32.98
Low sales price		31.73			24.49			23.35			20.01			23.35
Period-end closing price		43.10			32.43			25.17			43.10			25.17
Trading volume		43,664			42,809			48,789			184,460			185,523

PERFORMANCE RATIOS
Return on average assets		0.88	%		0.80	%		0.27	%		0.64	%		0.62	%
Return on average common equity		8.19	%		7.52	%		2.48	%		6.06	%		5.38	%
Return on average tangible common equity		11.42	%		10.58	%		3.53	%		8.56	%		7.72	%
Tangible common equity ratio (c)		8.64	%		7.93	%		7.62	%		8.64	%		7.62	%
Net interest margin (TE) (a)		3.26	%		3.20	%		3.21	%		3.23	%		3.33	%
Average loan/deposit ratio		86.31	%		85.64	%		85.28	%		86.11	%		84.28	%
Efficiency ratio (d)		62.82	%		61.80	%		67.63	%		62.79	%		66.14	%
Allowance for loan losses as a percent of period-end loans		1.37	%		1.47	%		1.15	%		1.37	%		1.15	%
Annualized net non-purchased credit impaired charge-offs to average loans		0.50	%		0.24	%		0.21	%		0.37	%		0.11	%
Allowance for loan losses to non-performing loans + accruing loans 90 days past due		63.58	%		74.75	%		105.54	%		63.58	%		105.54	%
Noninterest income as a percent of total revenue (TE) (a)		27.32	%		27.01	%		26.84	%		26.80	%		27.09	%

FTE headcount		3,724			3,747			3,921			3,724			3,921

(a) Tax-equivalent (TE) amounts are calculated using a federal income tax rate of 35%.
(b) Average securities does not include unrealized holding gains/losses on available for sale securities.
(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.
(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and nonoperating expense.

HANCOCK HOLDING COMPANY QUARTERLY HIGHLIGHTS (Unaudited)
	Three Months Ended
(dollars in thousands, except per share data)	12/31/2016			9/30/2016			6/30/2016			3/31/2016			12/31/2015
INCOME STATEMENT DATA
Net interest income	$	167,798		$	163,513		$	164,969		$	162,836		$	158,395
Net interest income (TE) (a)		175,314			170,297			171,165			168,179			162,635
Provision for loan losses		14,455			18,972			17,196			60,036			50,196
Noninterest income		65,893			63,008			63,694			58,186			59,653
Noninterest expense		156,283			149,058			150,942			156,032			156,030
Net income		51,831			46,719			46,907			3,839			15,307
Nonoperating items - pre-tax (for informational purposes only)		-			-			-			4,978			-

PERIOD-END BALANCE SHEET DATA
Loans	$	16,752,151		$	16,070,821		$	16,035,796		$	15,978,124		$	15,703,314
Securities		5,017,128			4,843,112			4,806,370			4,667,837			4,463,792
Earning assets		21,881,520			21,085,398			21,037,622			20,821,513			20,753,095
Total assets		23,975,302			23,108,730			23,063,790			22,809,370			22,833,605
Noninterest-bearing deposits		7,658,203			7,543,041			7,151,416			7,108,598			7,276,127
Total deposits		19,424,266			18,885,477			18,816,869			18,656,150			18,348,912
Common shareholders' equity		2,719,768			2,489,127			2,463,365			2,421,040			2,413,143

AVERAGE BALANCE SHEET DATA
Loans	$	16,323,897		$	16,023,458		$	16,059,846		$	15,848,770		$	15,198,232
Securities (b)		4,939,240			4,707,224			4,648,807			4,528,090			4,480,972
Earning assets		21,462,188			21,197,406			21,147,029			20,910,668			20,140,432
Total assets		23,437,530			23,202,790			23,138,591			22,932,515			22,171,216
Noninterest-bearing deposits		7,534,392			7,277,568			7,079,426			7,033,680			6,709,188
Total deposits		18,912,155			18,710,236			18,717,755			18,281,754			17,821,484
Common shareholders' equity		2,517,418			2,472,398			2,430,005			2,431,747			2,453,480

COMMON SHARE DATA
Earnings per share - diluted	$	0.64		$	0.59		$	0.59		$	0.05		$	0.19
Cash dividends per share		0.24			0.24			0.24			0.24			0.24
Book value per share (period-end)		32.29			32.09			31.77			31.24			31.14
Tangible book value per share (period-end)		23.87			22.89			22.50			21.90			21.74
Weighted average number of shares - diluted		79,067			77,677			77,680			77,672			77,544
Period-end number of shares		84,235			77,571			77,538			77,508			77,496
Market data
High sales price	$	45.50		$	32.94		$	27.84		$	25.84		$	30.96
Low sales price		31.73			24.49			21.93			20.01			23.35
Period-end closing price		43.10			32.43			26.11			22.96			25.17
Trading volume		43,664			42,809			41,668			56,319			48,789

PERFORMANCE RATIOS
Return on average assets		0.88	%		0.80	%		0.82	%		0.07	%		0.27	%
Return on average common equity		8.19	%		7.52	%		7.76	%		0.64	%		2.48	%
Return on average tangible common equity		11.42	%		10.58	%		11.04	%		0.91	%		3.53	%
Tangible common equity ratio (c)		8.64	%		7.93	%		7.81	%		7.69	%		7.62	%
Net interest margin (TE) (a)		3.26	%		3.20	%		3.25	%		3.23	%		3.21	%
Average loan/deposit ratio		86.31	%		85.64	%		85.80	%		86.69	%		85.28	%
Efficiency ratio (d)		62.82	%		61.80	%		62.14	%		64.47	%		67.63	%
Allowance for loan losses as a percent of period-end loans		1.37	%		1.47	%		1.41	%		1.36	%		1.15	%
Annualized net non-purchased credit impaired charge-offs to average loans		0.50	%		0.24	%		0.20	%		0.54	%		0.21	%
Allowance for loan losses to non-performing loans + accruing loans 90 days past due		63.58	%		74.75	%		73.01	%		74.55	%		105.54	%
Noninterest income as a percent of total revenue (TE) (a)		27.32	%		27.01	%		27.12	%		25.70	%		26.84	%

FTE headcount		3,724			3,747			3,723			3,819			3,921

(a) Tax-equivalent (TE) amounts are calculated using a federal income tax rate of 35%.
(b) Average securities does not include unrealized holding gains/losses on available for sale securities.
(c) The tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets.
(d) The efficiency ratio is noninterest expense to total net interest income (TE) and noninterest income, excluding amortization of purchased intangibles and nonoperating expense.

HANCOCK HOLDING COMPANY INCOME STATEMENT (Unaudited)
	Three Months Ended						Twelve Months Ended
(dollars in thousands, except per share data)	12/31/2016		9/30/2016		12/31/2015		12/31/2016		12/31/2015
Interest income	$	185,867	$	182,153	$	174,310	$	732,167	$	679,646
Interest income (TE)		193,383		188,937		178,550		758,006		693,234
Interest expense		18,069		18,640		15,915		73,051		54,472
Net interest income (TE)		175,314		170,297		162,635		684,955		638,762
Provision for loan losses		14,455		18,972		50,196		110,659		73,038
Noninterest income		65,893		63,008		59,653		250,781		237,284
Noninterest expense		156,283		149,058		156,030		612,315		619,655
Income before income taxes		62,953		58,491		11,822		186,923		169,765
Income tax expense		11,122		11,772		(3,485)		37,627		38,304
Net income	$	51,831	$	46,719	$	15,307	$	149,296	$	131,461
NONINTEREST INCOME AND NONINTEREST EXPENSE
Service charges on deposit accounts	$	18,694	$	18,716	$	18,971	$	74,187	$	72,813
Trust fees		11,764		11,512		11,287		46,589		45,627
Bank card and ATM fees		12,317		11,808		11,792		47,427		46,480
Investment & annuity fees		4,212		4,289		4,632		18,477		20,669
Secondary mortgage market operations		4,277		4,917		2,884		16,282		12,579
Insurance commissions and fees		866		1,088		1,980		4,501		8,567
Amortization of FDIC loss share receivable		(1,240)		(1,539)		(1,713)		(5,918)		(5,747)
Other income		14,714		11,866		9,822		47,482		35,961
Securities transactions, net		289		351		(2)		1,754		335
Total noninterest income	$	65,893	$	63,008	$	59,653	$	250,781	$	237,284
Personnel expense	$	87,551	$	83,163	$	85,315	$	339,692	$	332,120
Net occupancy expense		10,478		10,068		10,639		41,296		44,788
Equipment expense		3,460		3,349		3,871		13,663		15,481
Other real estate expense, net		615		(5,214)		1,361		(3,804)		2,740
Other operating expense		49,413		52,806		49,153		196,709		184,101
Amortization of intangibles		4,766		4,886		5,691		19,781		24,184
Total operating expense		156,283		149,058		156,030		607,337		603,414
Nonoperating expense		-		-		-		4,978		16,241
Total noninterest expense	$	156,283	$	149,058	$	156,030	$	612,315	$	619,655
COMMON SHARE DATA
Earnings per share:
Basic	$	0.64	$	0.59	$	0.19	$	1.87	$	1.64
Diluted		0.64		0.59		0.19		1.87		1.64

HANCOCK HOLDING COMPANY INCOME STATEMENT (Unaudited)
	Three months ended
(dollars in thousands)	12/31/2016		9/30/2016		6/30/2016		3/31/2016		12/31/2015
Interest income	$	185,867	$	182,153	$	183,506	$	180,641	$	174,310
Interest income (TE)		193,383		188,937		189,702		185,984		178,550
Interest expense		18,069		18,640		18,537		17,805		15,915
Net interest income (TE)		175,314		170,297		171,165		168,179		162,635
Provision for loan losses		14,455		18,972		17,196		60,036		50,196
Noninterest income		65,893		63,008		63,694		58,186		59,653
Noninterest expense		156,283		149,058		150,942		156,032		156,030
Income before income taxes		62,953		58,491		60,525		4,954		11,822
Income tax expense		11,122		11,772		13,618		1,115		(3,485)
Net income	$	51,831	$	46,719	$	46,907	$	3,839	$	15,307
NONINTEREST INCOME AND NONINTEREST EXPENSE
Service charges on deposit accounts	$	18,694	$	18,716	$	18,394	$	18,383	$	18,971
Trust fees		11,764		11,512		12,089		11,224		11,287
Bank card and ATM fees		12,317		11,808		11,954		11,348		11,792
Investment & annuity fees		4,212		4,289		5,043		4,933		4,632
Secondary mortgage market operations		4,277		4,917		4,176		2,912		2,884
Insurance commissions and fees		866		1,088		1,240		1,307		1,980
Amortization of FDIC loss share receivable		(1,240)		(1,539)		(1,526)		(1,613)		(1,713)
Other income		14,714		11,866		11,556		9,346		9,822
Securities transactions, net		289		351		768		346		(2)
Total noninterest income	$	65,893	$	63,008	$	63,694	$	58,186	$	59,653
Personnel expense	$	87,551	$	83,163	$	84,237	$	84,741	$	85,315
Net occupancy expense		10,478		10,068		10,394		10,356		10,639
Equipment expense		3,460		3,349		3,080		3,774		3,871
Other real estate expense, net		615		(5,214)		350		445		1,361
Other operating expense		49,413		52,806		47,876		46,614		49,153
Amortization of intangibles		4,766		4,886		5,005		5,124		5,691
Total operating expense		156,283		149,058		150,942		151,054		156,030
Nonoperating expense		-		-		-		4,978		-
Total noninterest expense	$	156,283	$	149,058	$	150,942	$	156,032	$	156,030

HANCOCK HOLDING COMPANY PERIOD-END BALANCE SHEET (Unaudited)
	Three Months Ended
(dollars in thousands)	12/31/2016			9/30/2016			6/30/2016			3/31/2016			12/31/2015
ASSETS
Commercial non-real estate loans	$	7,613,917		$	7,133,928		$	7,132,519		$	7,145,406		$	6,995,824
Commercial real estate - owner occupied		1,906,821			1,901,825			1,916,200			1,923,347			1,859,469
Total commercial and industrial loans		9,520,738			9,035,753			9,048,719			9,068,753			8,855,293
Commercial real estate - income producing		2,013,890			1,990,309			2,024,471			1,752,745			1,553,082
Construction and land development loans		1,010,879			946,592			880,588			1,095,414			1,151,950
Residential mortgage loans		2,146,713			2,037,162			2,017,650			2,000,967			2,049,524
Consumer loans		2,059,931			2,061,005			2,064,368			2,060,245			2,093,465
Total loans		16,752,151			16,070,821			16,035,796			15,978,124			15,703,314
Loans held for sale		34,064			42,545			42,297			24,001			20,434
Securities		5,017,128			4,843,112			4,806,370			4,667,837			4,463,792
Short-term investments		78,177			128,920			153,159			151,551			565,555
Earning assets		21,881,520			21,085,398			21,037,622			20,821,513			20,753,095
Allowance for loan losses		(229,418)			(236,061)			(226,086)			(217,794)			(181,179)
Goodwill		621,193			621,193			621,193			621,193			621,193
Other intangible assets, net		87,757			92,523			97,409			102,414			107,538
Other assets		1,614,250			1,545,677			1,533,652			1,482,044			1,532,958
Total assets	$	23,975,302		$	23,108,730		$	23,063,790		$	22,809,370		$	22,833,605

LIABILITIES
Noninterest-bearing deposits	$	7,658,203		$	7,543,041		$	7,151,416		$	7,108,598		$	7,276,127
Interest-bearing transaction and savings deposits		6,910,466			6,620,373			6,754,513			7,043,484			6,767,881
Interest-bearing public fund deposits		2,563,758			2,394,148			2,354,234			2,152,903			2,253,645
Time deposits		2,291,839			2,327,915			2,556,706			2,351,165			2,051,259
Total interest-bearing deposits		11,766,063			11,342,436			11,665,453			11,547,552			11,072,785
Total deposits		19,424,266			18,885,477			18,816,869			18,656,150			18,348,912
Short-term borrowings		1,225,406			1,075,956			1,095,107			1,100,787			1,423,644
Long-term debt		436,280			463,710			468,028			471,245			490,145
Other liabilities		169,582			194,460			220,421			160,148			157,761
Total liabilities		21,255,534			20,619,603			20,600,425			20,388,330			20,420,462
COMMON SHAREHOLDERS' EQUITY
Common stock net of treasury and capital surplus		1,989,611			1,726,756			1,722,454			1,719,454			1,715,794
Retained earnings		850,689			818,060			790,452			762,652			777,944
Accumulated other comprehensive income		(120,532)			(55,689)			(49,541)			(61,066)			(80,595)
Total common shareholders' equity		2,719,768			2,489,127			2,463,365			2,421,040			2,413,143
Total liabilities & shareholders' equity	$	23,975,302		$	23,108,730		$	23,063,790		$	22,809,370		$	22,833,605
CAPITAL RATIOS
Tangible common equity	$	2,010,818		$	1,775,411		$	1,744,764		$	1,697,434		$	1,684,388
Tier 1 capital (e)		2,185,812			1,887,468			1,854,073			1,818,580			1,844,992
Common equity (period-end) as a percent of total assets (period-end)		11.34	%		10.77	%		10.68	%		10.61	%		10.57	%
Tangible common equity ratio		8.64	%		7.93	%		7.81	%		7.69	%		7.62	%
Leverage (Tier 1) ratio (e)		9.56	%		8.35	%		8.22	%		8.14	%		8.55	%
Tier 1 risk-based capital ratio (e)		11.28	%		10.09	%		9.94	%		9.69	%		9.96	%
Total risk-based capital ratio (e)		13.24	%		12.15	%		11.96	%		11.75	%		11.86	%
(e) Estimated for most recent period-end.

HANCOCK HOLDING COMPANY AVERAGE BALANCE SHEET (Unaudited)
	Three Months Ended						Twelve Months Ended
(dollars in thousands)	12/31/2016		9/30/2016		12/31/2015		12/31/2016		12/31/2015
ASSETS
Commercial non-real estate loans	$	7,322,497	$	7,127,643	$	6,643,961	$	7,174,271	$	6,250,796
Commercial real estate - owner occupied		1,890,649		1,929,212		1,860,506		1,900,262		1,784,354
Total commercial and industrial loans		9,213,146		9,056,855		8,504,467		9,074,533		8,035,150
Commercial real estate - income producing		2,004,025		2,017,323		1,523,903		1,858,323		1,454,716
Construction and land development loans		965,382		873,877		1,100,502		1,026,348		1,105,348
Residential mortgage loans		2,085,081		2,019,807		2,028,688		2,044,718		1,960,420
Consumer loans		2,056,263		2,055,596		2,040,672		2,060,671		1,877,733
Total loans		16,323,897		16,023,458		15,198,232		16,064,593		14,433,367
Loans held for sale		32,398		38,687		16,717		28,777		18,101
Securities (f)		4,939,240		4,707,224		4,480,972		4,706,482		4,208,195
Short-term investments		166,653		428,037		444,511		380,294		513,659
Earning assets		21,462,188		21,197,406		20,140,432		21,180,146		19,173,322
Allowance for loan losses		(237,316)		(228,603)		(140,798)		(217,550)		(133,470)
Goodwill and other intangible assets		711,255		716,097		731,414		718,592		740,666
Other assets		1,501,403		1,517,890		1,440,168		1,497,445		1,464,502
Total assets	$	23,437,530	$	23,202,790	$	22,171,216	$	23,178,633	$	21,245,020

LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	$	7,534,392	$	7,277,568	$	6,709,188	$	7,232,221	$	6,195,234
Interest-bearing transaction and savings deposits		6,761,923		6,732,815		7,065,338		6,772,364		6,877,394
Interest-bearing public fund deposits		2,316,997		2,253,588		1,834,302		2,261,659		1,844,802
Time deposits		2,298,843		2,446,265		2,212,656		2,390,081		2,207,359
Total interest-bearing deposits		11,377,763		11,432,668		11,112,296		11,424,104		10,929,555
Total deposits		18,912,155		18,710,236		17,821,484		18,656,325		17,124,789
Short-term borrowings		1,367,504		1,366,236		1,229,603		1,412,194		1,025,133
Long-term debt		453,068		468,100		490,761		469,064		478,078
Other liabilities		187,385		185,820		175,888		177,983		174,233
Common shareholders' equity		2,517,418		2,472,398		2,453,480		2,463,067		2,442,787
Total liabilities & shareholders' equity	$	23,437,530	$	23,202,790	$	22,171,216	$	23,178,633	$	21,245,020

(f) Average securities does not include unrealized holding gains/losses on available for sale securities.

HANCOCK HOLDING COMPANY AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY (Unaudited)
	Three Months Ended
	12/31/2016							9/30/2016						12/31/2015
(dollars in millions)	Volume		Interest		Rate			Volume		Interest		Rate		Volume		Interest		Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (h)	$	12,182.5	$	116.8		3.81	%	$	11,948.1	$	114.4	3.81	%	$	11,128.8	106.2			3.79	%
Residential mortgage loans		2,085.1		20.7		3.98	%		2,019.8		20.2	4.01	%		2,028.7	20.6			4.07	%
Consumer loans		2,056.3		26.5		5.13	%		2,055.6		26.7	5.18	%		2,040.7	25.9			5.03	%
Loan fees & late charges		-		(0.5)		0.00	%		-		(0.8)	0.00	%		-	(0.5)			0.00	%
Total loans (TE) (i)		16,323.9		163.5		3.99	%		16,023.5		160.5	3.99	%		15,198.2	152.2			3.98	%
Loans held for sale		32.4		0.3		3.59	%		38.7		0.3	3.34	%		16.7	0.2			4.40	%
US Treasury and government agency securities		97.9		0.5		1.93	%		60.1		0.3	1.73	%		50.0	0.2			1.68	%
CMOs and mortgage backed securities		4,017.9		21.0		2.09	%		3,965.4		20.6	2.08	%		4,219.1	23.3			2.20	%
Municipals (TE) (h)		819.3		7.9		3.86	%		677.1		6.7	3.95	%		205.8	2.3			4.45	%
Other securities		4.1		0.0		1.79	%		4.6		0.0	2.51	%		6.1	-			1.80	%
Total securities (TE) (g)		4,939.2		29.4		2.38	%		4,707.2		27.6	2.34	%		4,481.0	25.8			2.30	%
Total short-term investments		166.7		0.2		0.49	%		428.0		0.5	0.47	%		444.5	0.3			0.30	%
Average earning assets yield (TE)	$	21,462.2		193.4		3.59	%	$	21,197.4		188.9	3.55	%	$	20,140.4	178.5			3.53	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits	$	6,761.9		4.3		0.25	%	$	6,732.8		4.5	0.27	%	$	7,065.3	4.4			0.25	%
Time deposits		2,298.8		5.2		0.90	%		2,446.3		5.6	0.91	%		2,212.7	4.3			0.76	%
Public funds		2,317.0		2.5		0.43	%		2,253.6		2.5	0.44	%		1,834.3	1.5			0.32	%
Total interest-bearing deposits		11,377.7		12.0		0.42	%		11,432.7		12.6	0.44	%		11,112.3	10.2			0.36	%
Short-term borrowings		1,367.5		1.1		0.33	%		1,366.2		1.0	0.30	%		1,229.6	0.4			0.14	%
Long-term debt		453.1		4.9		4.36	%		468.1		5.0	4.28	%		490.8	5.3			4.26	%
Total borrowings		1,820.6		6.0		1.33	%		1,834.3		6.0	1.32	%		1,720.4	5.7			1.32	%
Total interest-bearing liabilities cost		13,198.3		18.0		0.55	%		13,267.0		18.6	0.56	%		12,832.7	15.9			0.49	%
Net interest-free funding sources		8,263.9							7,930.4						7,307.7
Total cost of funds		21,462.2		18.0		0.34	%		21,197.4		18.6	0.35	%		20,140.4	15.9			0.31	%
Net Interest Spread (TE)			$	175.4		3.05	%			$	170.3	2.99	%			$	162.6		3.03	%
Net Interest Margin (TE)	$	21,462.2	$	175.4		3.26	%	$	21,197.4	$	170.3	3.20	%	$	20,140.4	$	162.6		3.21	%

(g) Average securities does not include unrealized holding gains/losses on available for sale securities.
(h) Tax equivalent (te) amounts are calculated using a marginal federal income tax rate of 35%
(i) Includes nonaccrual loans.

HANCOCK HOLDING COMPANY AVERAGE BALANCE AND NET INTEREST MARGIN SUMMARY (Unaudited)
	Twelve Months Ended
	12/31/2016							12/31/2015
(dollars in millions)	Volume		Interest		Rate			Volume		Interest		Rate
AVERAGE EARNING ASSETS
Commercial & real estate loans (TE) (h)	$	11,959.2	$	457.7		3.83	%	$	10,595.2	$	419.1		3.95	%
Residential mortgage loans		2,044.7		83.0		4.06	%		1,960.4		81.2		4.14	%
Consumer loans		2,060.6		105.8		5.13	%		1,877.7		95.4		5.08	%
Loan fees & late charges		-		(2.7)		0.00	%		-		(0.1)		0.00	%
Total loans (TE) (i)		16,064.5		643.8		4.01	%		14,433.3		595.6		4.13	%
Loans held for sale		28.8		1.0		3.55	%		18.1		0.7		3.74	%
US Treasury and government agency securities		64.6		1.2		1.78	%		197.3		3.1		1.57	%
CMOs and mortgage backed securities		4,044.3		86.5		2.14	%		3,804.0		83.5		2.19	%
Municipals (TE) (h)		592.7		23.7		4.00	%		199.4		9.0		4.53	%
Other securities		4.9		0.1		2.00	%		7.5		0.2		2.76	%
Total securities (TE) (g)		4,706.5		111.5		2.37	%		4,208.2		95.8		2.28	%
Total short-term investments		380.3		1.8		0.47	%		513.7		1.2		0.24	%
Average earning assets yield (TE)	$	21,180.1		758.1		3.58	%	$	19,173.3		693.3		3.62	%
INTEREST-BEARING LIABILITIES
Interest-bearing transaction and savings deposits	$	6,772.4		18.1		0.27	%	$	6,877.4		12.9		0.19	%
Time deposits		2,390.1		21.4		0.90	%		2,207.4		15.6		0.70	%
Public funds		2,261.6		9.3		0.41	%		1,844.8		5.4		0.30	%
Total interest-bearing deposits		11,424.1		48.8		0.43	%		10,929.6		33.9		0.31	%
Short-term borrowings		1,412.1		4.1		0.29	%		1,025.1		1.1		0.11	%
Long-term debt		469.1		20.1		4.27	%		478.1		19.5		4.08	%
Total borrowings		1,881.2		24.2		1.28	%		1,503.2		20.6		1.37	%
Total interest-bearing liabilities cost		13,305.3		73.0		0.55	%		12,432.8		54.5		0.44	%
Net interest-free funding sources		7,874.8							6,740.5
Total cost of funds		21,180.1		73.0		0.34	%		19,173.3		54.5		0.28	%
Net Interest Spread (TE)			$	685.1		3.03	%			$	638.8		3.18	%
Net Interest Margin (TE)	$	21,180.1	$	685.1		3.23	%	$	19,173.3	$	638.8		3.33	%

(g) Average securities does not include unrealized holding gains/losses on available for sale securities.
(h) Tax equivalent (te) amounts are calculated using a marginal federal income tax rate of 35%.
(i) Includes nonaccrual loans.

HANCOCK HOLDING COMPANY ASSET QUALITY INFORMATION (Unaudited)
	Three Months Ended						Twelve Months Ended
(dollars in thousands)	12/31/2016		9/30/2016		12/31/2015		12/31/2016		12/31/2015
Nonaccrual loans (j)	$	317,970	$	302,810	$	159,713	$	317,970	$	159,713
Restructured loans - still accruing		39,818		8,059		4,297		39,818		4,297
Total nonperforming loans		357,788		310,869		164,010		357,788		164,010
ORE and foreclosed assets		18,943		19,806		27,133		18,943		27,133
Total nonperforming assets	$	376,731	$	330,675	$	191,143	$	376,731	$	191,143
Nonperforming assets as a percent of loans, ORE and foreclosed assets		2.25%		2.06%		1.22%		2.25%		1.22%
Accruing loans 90 days past due	$	3,039	$	4,933	$	7,653	$	3,039	$	7,653
Accruing loans 90 days past due as a percent of loans		0.02%		0.03%		0.05%		0.02%		0.05%
Nonperforming assets + accruing loans 90 days past due to loans, ORE and foreclosed assets		2.26%		2.09%		1.26%		2.26%		1.26%
ALLOWANCE FOR LOAN LOSSES
Beginning Balance	$	236,061	$	226,086	$	139,576	$	181,179	$	128,762
Net provision for loan losses - purchased credit impaired loans		(681)		(416)		(1,669)		(1,404)		(3,055)
Provision for loan losses - non-purchased credit impaired loans		15,136		19,388		51,865		112,063		76,093
Net provision for loan losses		14,455		18,972		50,196		110,659		73,038
(Decrease)increase in FDIC loss share receivable		(930)		410		(816)		(3,957)		(2,800)
Net charge-offs - purchased credit impaired		(256)		(124)		(100)		(594)		1,609
Charge-offs - non-purchased credit impaired		24,395		12,439		11,602		72,888		29,163
Recoveries - non-purchased credit impaired		(3,971)		(2,908)		(3,725)		(13,831)		(12,951)
Net charge-offs		20,168		9,407		7,777		58,463		17,821
Ending Balance	$	229,418	$	236,061	$	181,179	$	229,418	$	181,179
Allowance for loan losses as a percent of period-end loans		1.37%		1.47%		1.15%		1.37%		1.15%
Allowance for loan losses to nonperforming loans + accruing loans 90 days past due		63.58%		74.75%		105.54%		63.58%		105.54%
NET CHARGE-OFF INFORMATION
Net charge-offs - non-purchased credit impaired:
Commercial & real estate loans	$	13,495	$	4,330	$	2,465	$	38,586	$	2,914
Residential mortgage loans		(230)		299		75		181		948
Consumer loans		7,159		4,902		5,337		20,290		12,350
Total net charge-offs - non-purchased credit impaired	$	20,424	$	9,531	$	7,877	$	59,057	$	16,212
Net charge-offs - non-purchased credit impaired to average loans:
Commercial & real estate loans		0.44%		0.14%		0.09%		0.32%		0.03%
Residential mortgage loans		(0.04)%		0.06%		0.01%		0.01%		0.05%
Consumer loans		1.39%		0.95%		1.04%		0.98%		0.66%
Total net charge-offs - non-purchased credit impaired to average loans		0.50%		0.24%		0.21%		0.37%		0.11%

(j) Included in nonaccrual loans are nonaccruing restructured loans totaling $81.9 million, $48.2 million, and $8.8 million at 12/31/16, 9/30/16 and 12/31/15, respectively. Nonaccrual loans and accruing loans past due 90 days or more do not include purchased credit impaired loans which were written down to fair value upon acquisition and accrete interest income over the remaining life of the loan. Purchased credit impaired loans include loans covered by FDIC loss share agreement totaling $148.0 million, $152.3 million and $170.1 million as of 12/31/16, 9/30/16 and 12/31/15, respectively.

HANCOCK HOLDING COMPANY ASSET QUALITY INFORMATION (Unaudited)
	Three months ended
(dollars in thousands)	12/31/2016			9/30/2016			6/30/2016			3/31/2016			12/31/2015
Nonaccrual loans (j)	$	317,970		$	302,810		$	265,722		$	237,303		$	159,713
Restructured loans - still accruing		39,818			8,059			35,974			45,620			4,297
Total nonperforming loans		357,788			310,869			301,696			282,923			164,010
ORE and foreclosed assets		18,943			19,806			23,374			24,032			27,133
Total nonperforming assets	$	376,731		$	330,675		$	325,070		$	306,955		$	191,143
Nonperforming assets as a percent of loans, ORE and foreclosed assets		2.25	%		2.06	%		2.02	%		1.92	%		1.22	%
Accruing loans 90 days past due	$	3,039		$	4,933		$	7,982		$	9,226		$	7,653
Accruing loans 90 days past due as a percent of loans		0.02	%		0.03	%		0.05	%		0.06	%		0.05	%
Nonperforming assets + accruing loans 90 days past due to loans, ORE and foreclosed assets		2.26	%		2.09	%		2.07	%		1.98	%		1.26	%
Allowance for loan losses	$	229,418		$	236,061		$	226,086		$	217,794		$	181,179
Allowance for loan losses as a percent of period-end loans		1.37	%		1.47	%		1.41	%		1.36	%		1.15	%
Allowance for loan losses to nonperforming loans + accruing loans 90 days past due		63.58	%		74.75	%		73.01	%		74.55	%		105.54	%
Provision for loan losses	$	14,455		$	18,972		$	17,196		$	60,036		$	50,196
NET CHARGE-OFF INFORMATION
Net charge-offs - non-purchased credit impaired:
Commercial & real estate loans	$	13,495		$	4,330		$	3,685		$	17,076		$	2,465
Residential mortgage loans		(230	)		299			238			(126	)		75
Consumer loans		7,159			4,902			3,880			4,349			5,337
Total net charge-offs - non-purchased credit impaired	$	20,424		$	9,531		$	7,803		$	21,299		$	7,877
Net charge-offs - non-purchased credit impaired to average loans:
Commercial & real estate loans		0.44	%		0.14	%		0.12	%		0.59	%		0.09	%
Residential mortgage loans		(0.04	)%		0.06	%		0.05	%		(0.02	)%		0.01	%
Consumer loans		1.39	%		0.95	%		0.76	%		0.84	%		1.04	%
Total net charge-offs - non-purchased credit impaired to average loans		0.50	%		0.24	%		0.20	%		0.54	%		0.21	%
AVERAGE LOANS
Commercial & real estate loans	$	12,182,553		$	11,948,056		$	11,990,672		$	11,713,202		$	11,128,872
Residential mortgage loans		2,085,081			2,019,807			2,015,301			2,058,514			2,028,688
Consumer loans		2,056,263			2,055,596			2,053,873			2,077,054			2,040,672
Total average loans	$	16,323,897		$	16,023,458		$	16,059,846		$	15,848,770		$	15,198,232

(j) Included in nonaccrual loans are nonaccruing restructured loans totaling $81.9 million, $48.2 million, $34.8 million, $18.3 million, and $8.8 million at 12/31/16, 9/30/16, 6/30/16, 3/31/16, and 12/31/15, respectively. Nonaccrual loans and accruing loans past due 90 days or more do not include purchased credit-impaired loans which were written down to fair value upon acquisition and accrete interest income over the remaining life of the loan. Purchased credit impaired loans include loans covered by FDIC loss share agreement totaling $148.0 million, $152.3 million, $160.0 million, $168.1 million, and $170.1 million as of 12/31/16, 9/30/16, 6/30/16, 3/31/16, and 12/31/15, respectively.

HANCOCK HOLDING COMPANY Appendix A To the Earnings Release Non-GAAP Measures Reconciliations
Core net interest income (TE) and core net interest margin (TE)
	Three months ended										Twelve months ended
(dollars in thousands)	12/31/2016		9/30/2016		6/30/2016		3/31/2016		12/31/2015		12/31/2016		12/31/2015
Net interest income	$	167,798	$	163,513	$	164,969	$	162,836	$	158,395	$	659,116	$	625,174
Tax-equivalent adjustment (k)		7,516		6,784		6,196		5,343		4,240		25,839		13,588
Net interest income (TE)	$	175,314	$	170,297	$	171,165	$	168,179	$	162,635	$	684,955	$	638,762
Purchase accounting adjustments
Net loan discount accretion (l)		4,302		5,206		5,878		6,358		6,455		21,745		38,888
Net investment premium amortization (m)		(524)		(581)		(636)		(720)		(795)		(2,460)		(3,798)
Net purchase accounting accretion		3,778		4,625		5,242		5,638		5,660		19,285		35,090
Net interest income (TE) - core	$	171,536	$	165,672	$	165,923	$	162,541	$	156,975	$	665,670	$	603,672
Average earning assets	$	21,462,188	$	21,197,406	$	21,147,029	$	20,910,668	$	20,140,432	$	21,180,146	$	19,173,322
Net interest margin (TE) - reported		3.26%		3.20%		3.25%		3.23%		3.21%		3.23%		3.33%
Net purchase accounting adjustments		0.07%		0.08%		0.10%		0.11%		0.11%		0.09%		0.19%
Net interest margin (TE) - core		3.19%		3.12%		3.15%		3.12%		3.10%		3.14%		3.14%

Core revenue (TE) and core pre-tax, pre-provison income (TE)
	Three months ended										Twelve months ended
(dollars in thousands)	12/31/2016		9/30/2016		6/30/2016		3/31/2016		12/31/2015		12/31/2016		12/31/2015
Net interest income	$	167,798	$	163,513	$	164,969	$	162,836	$	158,395	$	659,116	$	625,174
Noninterest income		65,893		63,008		63,694		58,186		59,653		250,781		237,284
Total revenue	$	233,691	$	226,521	$	228,663	$	221,022	$	218,048	$	909,897	$	862,458
Tax-equivalent adjustment (k)		7,516		6,784		6,196		5,343		4,240		25,839		13,588
Purchase accounting adjustments - revenue (n)		(2,538)		(3,088)		(3,716)		(4,026)		(3,948)		(13,367)		(29,343)
Core revenue (TE)	$	238,669	$	230,217	$	231,143	$	222,339	$	218,340	$	922,369	$	846,703
Noninterest expense		(156,283)		(149,058)		(150,942)		(156,032)		(156,030)		(612,315)		(619,655)
Intangible amortization		4,766		4,886		5,005		5,124		5,691		19,781		24,184
Nonoperating items		-		-		-		4,978		-		4,978		15,908
Core pre-tax, pre-provision income (TE)	$	87,152	$	86,045	$	85,206	$	76,409	$	68,001	$	334,813	$	267,140

(k) Tax equivalent (TE) amounts are calculated using a marginal federal income tax rate of 35%.
(l) Includes net loan discount accretion arising from the 2011 Whitney Holding Corporation and 2009 Peoples First Community bank acquisitions.
(m) Includes net investment premium amortization arising from the 2011 acquisition of Whitney Holding Corporation.
(n) Includes net loan discount accretion and net investment premium amorization as defined in (l) and (m) and amortization of the FDIC loss share receivable related to an FDIC assisted transaction.