Hancock Holding Company (HBHC)

Deposits

          Total deposits were $5.8 billion at March 31, 2009 and $5.9 billion at December 31, 2008. Average interest bearing deposits at March 31, 2009 were $5.0 billion, an increase of $808.4 million over March 31, 2008. The increase was primarily in public fund deposits. We have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. We traditionally price our deposits to position themselves competitively with the local market. Deposit flows are controlled primarily through pricing, and to a certain extent, through promotional activities.

Deposits

          The Banks have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. Additionally, the Banks operate more than 130 ATMs at the Company’s banking offices as well as free-standing ATMs at other locations. As members of regional and international ATM networks such as “STAR”, “PLUS” and “CIRRUS”, the Banks offer customers access to their depository accounts from regional, national and international ATM facilities. Deposit flows are controlled by the Banks primarily through pricing, and to a certain extent, through promotional activities. Management believes that the rates it offers, which are posted weekly on deposit accounts, are generally competitive with other financial institutions in the Banks’ respective market areas.

Deposits

          The Banks have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. Additionally, the Banks operate more than 130 ATMs at the Company’s banking offices as well as free-standing ATMs at other locations. As members of regional and international ATM networks such as “STAR”, “PLUS” and “CIRRUS”, the Banks offer customers access to their depository accounts from regional, national and international ATM facilities. Deposit flows are controlled by the Banks primarily through pricing, and to a certain extent, through promotional activities. Management believes that the rates it offers, which are posted weekly on deposit accounts, are generally competitive with other financial institutions in the Banks’ respective market areas.

Deposits

          The Banks have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. Additionally, the Banks operate more than 130 ATMs at the Company’s banking offices as well as free-standing ATMs at other locations. As members of regional and international ATM networks such as “STAR”, “PLUS” and “CIRRUS”, the Banks offer customers access to their depository accounts from regional, national and international ATM facilities. Deposit flows are controlled by the Banks primarily through pricing, and to a certain extent, through promotional activities. Management believes that the rates it offers, which are posted weekly on deposit accounts, are generally competitive with other financial institutions in the Banks’ respective market areas.

Deposits

          The Banks have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. Additionally, the Banks operate more than 130 ATMs at the Company’s banking offices as well as free-standing ATMs at other locations. As members of
regional and international ATM networks such as “STAR”, “PLUS” and “CIRRUS”, the Banks offer customers access to their depository accounts from regional, national and international ATM facilities. Deposit flows are controlled by the Banks primarily through pricing, and to a certain extent, through promotional activities. Management believes that the rates it offers, which are posted weekly on deposit accounts, are generally competitive with other
financial institutions in the Banks’ respective market areas.

Note 6. Deposits

          The maturities of time deposits at December 31, 2008 follow (in thousands):

          Time deposits of $100,000 or more totaled approximately $1.1 billion and $935.3 million at December 31, 2008 and 2007, respectively.

Note 6. Deposits

          The maturities of time deposits at December 31, 2008 follow (in thousands):

          Time deposits of $100,000 or more totaled approximately $1.1 billion and $935.3 million at December 31, 2008 and 2007, respectively.

Note 6. Deposits

          The maturities of time deposits at December 31, 2008 follow (in thousands):

          Time deposits of $100,000 or more totaled approximately $1.1 billion and $935.3 million at December 31, 2008 and 2007, respectively.

Note 6. Deposits

          The maturities of time deposits at December 31, 2008 follow (in thousands):

          Time deposits of $100,000 or more totaled approximately $1.1 billion and $935.3 million at December 31, 2008 and 2007, respectively.

Deposits

          Total deposits were $5.4 billion at September 30, 2008 and $5.0 billion at December 31, 2007. Average interest bearing deposits at September 30, 2008 were $4.2 billion, an increase of $189 million over September 30, 2007. The increase was primarily in public fund deposits. We have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. We traditionally price our deposits to position themselves competitively with the local market. Deposit flows are controlled primarily through pricing, and to a certain extent, through promotional activities.

Deposits

          Total deposits remained stable at $5.0 billion at June 30, 2008 and December 31, 2007, respectively. Average interest bearing deposits at June 30, 2008 were $4.1 billion, an increase of $183.1 million over June 30, 2007. The increase was primarily in public fund deposits. We have several programs designed to attract depository accounts offered to consumers and to small and middle market businesses at interest rates generally consistent with market conditions. We traditionally price our deposits to position themselves competitively with the local market. Deposit flows are controlled primarily through pricing, and to a certain extent, through promotional activities.

Note 7. Deposits

          The maturities of time deposits at December 31, 2007 follow (in thousands):

          Time deposits of $100,000 or more totaled approximately $935.3 million and $735.6 million at December 31, 2007 and 2006, respectively.

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Note 7.
Deposits

          The
maturities of time deposits at December 31, 2007 follow (in thousands):

          Time
deposits of $100,000 or more totaled approximately $935.3 million and $735.6 million at
December 31, 2007 and 2006, respectively.

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