Stockholders' Equity (Tables)

12 Months Ended

Dec. 31, 2020

Components of Accumulated Other Comprehensive Income (Loss)

(in thousands)	Available for Sale Securities			HTM Securities Transferred from AFS			Employee Benefit Plans			Cash Flow Hedges			Equity Method Investment			Total
Balance, December 31, 2017	$	(29,512	)	$	(14,585	)	$	(79,078	)	$	(11,227	)		—		$	(134,402	)
Net change in unrealized gain (loss)		(52,060	)		—			—			(697	)		—			(52,757	)
Reclassification of net gain (loss) realized and included in earnings		25,480			—			4,989			4,497			—			34,966
Other valuation adjustments for employee benefit plans		—			—			(45,198	)		—			—			(45,198	)
Amortization of unrealized net loss on securities transferred to held to maturity		—			3,296			—			—			—			3,296
Income tax expense (benefit)		(5,967	)		755			(9,040	)		866			—			(13,386	)
Balance, December 31, 2018	$	(50,125	)	$	(12,044	)	$	(110,247	)	$	(8,293	)		—		$	(180,709	)
Net change in unrealized gain (loss)		115,413			—			—			28,943			(434	)		143,922
Reclassification of net gain (loss) realized and included in earnings		—			—			9,174			4,255			—			13,429
Other valuation adjustments for employee benefit plans		—			—			2,398			—			—			2,398
Unrealized loss on securities transferred to available for sale		(13,236	)		13,236			—			—			—			—
Amortization of unrealized net loss on securities transferred to held to maturity		—			3,153			—			—			—			3,153
Income tax expense		23,102			3,706			2,603			7,506			—			36,917
Balance, December 31, 2019	$	28,950		$	639		$	(101,278	)	$	17,399			(434	)	$	(54,724	)
Net change in unrealized gain (loss)		183,441			—			—			45,831			(4,935	)		224,337
Reclassification of net gain (loss) realized and included in earnings		—			—			6,368			(17,351	)		—			(10,983	)
Other valuation adjustments for employee benefit plans		—			—			(37,451	)		—			—			(37,451	)
Amortization of unrealized net gain on securities transferred to held to maturity		—			(470	)		—			—			—			(470	)
Income tax expense (benefit)		41,167			(107	)		(6,788	)		6,368			—			40,640
Balance, December 31, 2020	$	171,224		$	276		$	(125,573	)	$	39,511			(5,369	)	$	80,069

Line Items in Consolidated Income Statements Affected by Amounts Reclassified from Accumulated Other Comprehensive Income

Amount reclassified from AOCI (a)	Year Ended December 31,						Increase (decrease) in affected line
(in thousands)	2020			2019			item in the income statement
Amortization of unrealized net gain (loss) on securities transferred to HTM	$	470		$	(3,153	)	Interest income
Tax effect		(105	)		713		Income taxes
Net of tax		365			(2,440	)	Net income
Gain on sale of AFS securities		488			—		Securities transactions
Tax effect		(109	)		—		Income taxes
Net of tax		379			—		Net income
Amortization of defined benefit pension and post-retirement items		(6,368	)		(9,174	)	Other noninterest expense
Tax effect		1,390			2,074		Income taxes
Net of tax		(4,978	)		(7,100	)	Net income
Reclassification of unrealized gain or loss on cash flow hedges		18,704			(110	)	Interest income
Tax effect		(4,182	)		25		Income taxes
Net of tax		14,522			(85	)	Net income
Amortization of loss on terminated cash flow hedges		(1,353	)		(4,145	)	Interest income
Tax effect		303			937		Income taxes
Net of tax		(1,050	)		(3,208	)	Net income
Total reclassifications, net of tax	$	9,238		$	(12,833	)	Net income

(a)	Amounts in parentheses indicate reduction in net income.

On March 27, 2020, the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation issued an interim final rule that provides an option to delay the estimated impact on regulatory capital stemming from the implementation CECL for a transition period of five years. The five-year rule provides a full delay of the estimated impact of CECL on regulatory capital transition (0%) for the first two years, followed by a three-year transition (25% of the impact included in 2022, 50% in 2023, 75% in 2024 and 100% thereafter). The two-year delay includes the full impact of day one CECL plus the estimated impact of current CECL activity calculated quarterly as 25% of the current ACL over the day one balance (“modified transition amount”). The modified transition amount was and will be recalculated each quarter in 2020 and 2021, with the December 31, 2021 impact carrying through the remaining three years of the transition. The Company elected the five-year transition period option upon issuance of the interim final rule.

Compliance with Regulatory Capital Requirements

	Actual				Required for Minimum Capital Adequacy				Required To Be Well Capitalized
($ in thousands)	Amount		Ratio %		Amount		Ratio %		Amount		Ratio %
At December 31, 2020
Tier 1 leverage capital
Hancock Whitney Corporation	$	2,534,049		7.88	$	1,287,103		4.00	$	1,608,878		5.00
Hancock Whitney Bank		2,607,215		8.11		1,286,059		4.00		1,607,573		5.00
Common equity tier 1 (to risk weighted assets)
Hancock Whitney Corporation	$	2,534,049		10.61	$	1,074,272		4.50	$	1,551,726		6.50
Hancock Whitney Bank		2,607,215		10.94		1,072,924		4.50		1,549,778		6.50
Tier 1 capital (to risk weighted assets)
Hancock Whitney Corporation	$	2,534,049		10.61	$	1,432,362		6.00	$	1,909,817		8.00
Hancock Whitney Bank		2,607,215		10.94		1,430,565		6.00		1,907,420		8.00
Total capital (to risk weighted assets)
Hancock Whitney Corporation	$	3,155,692		13.22	$	1,909,817		8.00	$	2,387,271		10.00
Hancock Whitney Bank		2,905,988		12.19		1,907,420		8.00		2,384,275		10.00
At December 31, 2019
Tier 1 leverage capital
Hancock Whitney Corporation	$	2,584,162		8.76	$	1,180,163		4.00	$	1,475,204		5.00
Hancock Whitney Bank		2,640,913		8.96		1,179,194		4.00		1,473,992		5.00
Common equity tier 1 (to risk weighted assets)
Hancock Whitney Corporation	$	2,584,162		10.50	$	1,107,527		4.50	$	1,599,761		6.50
Hancock Whitney Bank		2,640,913		10.74		1,106,558		4.50		1,598,362		6.50
Tier 1 capital (to risk weighted assets)
Hancock Whitney Corporation	$	2,584,162		10.50	$	1,476,702		6.00	$	1,968,936		8.00
Hancock Whitney Bank		2,640,913		10.74		1,475,411		6.00		1,967,214		8.00
Total capital (to risk weighted assets)
Hancock Whitney Corporation	$	2,929,387		11.90	$	1,968,936		8.00	$	2,461,171		10.00
Hancock Whitney Bank		2,836,138		11.53		1,967,214		8.00		2,459,018		10.00