ex99_1.htm

Hancock Holding Company

Analyst Day

Congress passed the Private Securities Litigation Act of 1995 in
an effort to encourage corporations to provide information about
a company’s anticipated future financial performance. This act
provides a safe harbor for such disclosure which protects the
companies from unwarranted litigation if actual results are
different from management expectations. This presentation
contains forward-looking statements & reflects management’s
current views & estimates of future economic circumstances,
industry conditions, company performance, & financial results.
These forward-looking statements are subject to a number of
factors & uncertainties which could cause the company’s actual
results & experience to differ from the anticipated results &
expectations expressed in such forward-looking statements.

Safeharbor Statement

Hancock Holding Company

Analyst Day - Agenda

* Welcome & Introductions

* CEO Overview

* Lines of Business Presentations

- Retail

- Credit Administration

- Wealth Management

- Commercial

* Summary

* Expansion Opportunities

* Economic Outlook

Hancock Holding Company

Credit Ratings:

* Moody’s (A-2)

* DBRS (Sr. A-low)

Hancock Bank: Est. 1899

Financial Offices: 157

ATMs: 137

Trust Assets: $7.7 Billion

Assets: $7.05 Billion

Assets Under Mngt: $2.6 Billion

Analyst Day

Hancock Holding Company

Investing in HBHC

HBHC weathering the crisis …

§ Strong Capital & No Gov’t Bailout

§ Proactive Asset Quality Stance

§ Markets Insulated But Not Immune

§ Ample Liquidity

§ Earnings Potential

Hancock Holding Company

Analyst Day

Ø Ranked one of the safest & strongest banks for 79

consecutive quarters (BauerFinancial June-2009)

Ø Ranked in the top 10 best banks two years in a row

(Bank Director Magazine 1Q-2009)

Ø Top 100 Most Trustworthy Companies

(Forbes April-2009)

Ø Ranked #12 out of the top 100 mid-tier banks

based on 3-yr. average of ROE (U.S. Banker August-2009)

Analyst Day - HBHC Management Team

Hancock Holding Company

Carl Chaney

Age

Banking

Member

President & CEO

John Hairston

CEO & Chief Operating Officer

Experience (Yrs)

Ricky Hill

EVP - Retail Banking

Mike Achary

EVP - Chief Financial Officer

Analyst Day - HBHC Management Team

Hancock Holding Company

Member

Age

Banking

Experience (Yrs)

Ed Francis

EVP - Commercial Banking

Shane Loper

EVP & Chief Operations Officer

Gerry Dugal

SVP - Treasurer

Sam Kendricks

SVP - Chief Credit Policy Officer

Clif Saik

EVP - Wealth Management

Hancock Holding Company

Ø Capital Preservation

Strategic Focus Points:

Ø Acquisition Opportunities

Ø Top Quartile Performance

§ Franchise

§ Customers

§ Associates

Ø Keep the Company Safe

Analyst Day

Economy & Unemployment

Hancock Holding Company

Ø Unemployment Peaks @ 10.0% between

4Q-2009 and 1Q-2010

Ø Economic Growth Forecasted for 2H-2009,

2010 & 2011

Ø HBHC MSA’s Not Immune to National

Recession

Economy & Unemployment

Hancock Holding Company

Ø Fed Funds Target Rate:

* 0.25% (2H-2009)

* FOMC Increases FF Rate (3Q-2010)

Ø Credit Markets “Thawing”:

* 3-Month LIBOR @ 0.29%

Economic Forecast

Hancock Holding Company

Bloomberg Survey
Selected Indicators	Current	Q3 2009	Q4 2009	Q1 2010	Q2 2010	2010 avg.	2011 avg.
GDP	-1.0%	2.9%	2.2%	2.4%	2.5%	2.4%	2.9%
Unemployment Rate	9.7%	9.7%	10.0%	10.0%	9.9%	9.8%	8.8%
Core PCE Prices (y/y)	1.4%	1.4%	1.4%	1.3%	1.3%	1.4%	1.9%

Bloomberg Survey
Selected Indicators/Securities	Current	Q3 2009	Q4 2009	Q1 2010	Q2 2010	Q3 2010	Q4 2010	Q1 2011
Fed Funds Futures	0.16%	0.16%	0.18%	0.33%	0.58%	1.01%	1.43%	na
Fed Funds Target Rate	0.25%	0.25%	0.25%	0.25%	0.25%	0.57%	1.00%	1.50%
3-month LIBOR	0.29%	0.40%	0.46%	0.54%	0.70%	1.10%	1.59%	2.06%
Spread (3M LIBOR - Fed Funds)	0.04%	0.15%	0.21%	0.29%	0.45%	0.53%	0.59%	0.56%
US Treasury 2-year	0.99%	1.00%	1.20%	1.40%	1.60%	1.85%	2.15%	2.50%
US Treasury 10-year	3.46%	3.55%	3.70%	3.88%	4.00%	4.13%	4.33%	4.50%
Spread (10 yr yield - 2 yr yield)	2.46%	2.55%	2.50%	2.48%	2.40%	2.28%	2.18%	2.00%
As of September 10, 2009, 55 replies

Regional Markets - Better Than National Avg.

Ø HBHC Local Markets**

§ Gulfport / Biloxi:

§ Pascagoula:

§ Hattiesburg:

§ Alexandria:

7.7%

8.6%

8.3%

7.7%

11.1%

9.5%

§ Baton Rouge:

§ New Orleans:

§ Mobile:

§ Pensacola:

7.4%

§ Tallahassee:

Hancock Holding Company

Ø U.S. Unemployment Rate*: 9.8 %

* US unemployment data as of September-09

**MSA data as of August-09

Source: Bureau of Labor & Statistics

Hancock Holding Company

Loan Approval Process:

Analyst Day - Credit Administration

Ø Consumer & Sm. Business

Ø Commercial Lending

- Regional Credit Officers

Ø Relationship-Based Credits

Ø Credit Oversight

Hancock Holding Company

Loan Portfolio (2Q-09 EOP)

Commercial Non- RE

Consumer

Direct

Cons. Finance

Mortgage

Commercial RE Secured

Total Loans $4.320 Billion

Construction & Land Dev

Indirect

Total

Municipal Loans

Lease Financing

Total

$495mm

18%

$568mm

21%

$1,137mm

41%

$483mm

18%

$63mm

$2,746mm

Commercial

$169mm

11%

$425mm

27%

$111mm

$450mm

29%

$1,574mm

Home Equity

$419mm

26%

Hancock Holding Company

Construction & Land Dev. (2Q-09 EOP)

Residential Const.

Commercial N-Own/Occ.

Commercial Own/Occ.

Total Const/Land

Land Development

Lots

$48

$58

$55

$77

$57

Construction/Land (000)

$100mm

$88mm

$192mm

$104mm

$568mm

$84mm

Total

$29

$20

$97

$40

$11

$295

$215

$27

$31

Hancock Holding Company

Commercial Real Estate (2Q-09 EOP)

CRE Term Own/Occ.

CRE LOC Own/Occ.

CRE Term N-Own/Occ.

Total CRE Secured

CRE LOC N-Own/Occ.

$257

$315

$30

$35

Commercial RE (000)

$490mm

$65mm

$52mm

$1,137mm

$530mm

Total

$227

$128

$31

$16

$23

$20

$23

$27

$637

$402

$47

$51

Leasing

Municipal

$188

$63mm

$483mm

$58

$217

$72

Hancock Holding Company

Non Performing Assets

43.1

19.8

16.6

10.5

8.8

6.1

4.2

5.2

9.8

15.4

8.8

35.3

24.0

44.2

1.01

0.35

0.29

0.20

0.13

0.16

0.25

0.28

0.43

0.46

0.52

0.59

0.83

1.04

$0.0

$5.0

$10.0

$15.0

$20.0

$25.0

$30.0

$35.0

$40.0

$45.0

$50.0

1Q06

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

3Q08

4Q08

1Q09

2Q09

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

NPAs

NPAs % Loans

Hancock Holding Company

Net Charge-Offs

16.0

7.1

4.2

12.6

1.5

2.4

1.9

1.5

2.6

3.0

0.1

2.9

2.5

1.50

0.67

1.20

0.42

0.27

0.32

0.26

0.21

0.18

0.19

0.34

0.40

0.10

($3.5)

($1.5)

$0.5

$2.5

$4.5

$6.5

$8.5

$10.5

$12.5

$14.5

$16.5

$18.5

1Q06

2Q06

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

3Q08

4Q08

1Q09

2Q09

-0.15%

0.05%

0.25%

0.45%

0.65%

0.85%

1.05%

1.25%

1.45%

1.65%

1.85%

2.05%

2.25%

2.45%

Net Charge-Offs

Net Charge-Offs % Loans

Hancock Holding Company

Analyst Day - Retail Banking

Ø Consumer Segmentation

of the Customer & Prospect

Universe

Ø Hancock Hospitality

Ø Sm. Business & Affluent Focus

Hancock Holding Company

Analyst Day - Wealth Management

Ø Integrated, Relationship-Based:

§ Private Banking

§ Trust

§ Investments

§ Insurance

Ø Fee Goals:

§ % of Non-Interest Income

§ % of HBHC Earnings

Hancock Holding Company

Gulf South Growth Opportunities

Analyst Day - Expansion Opportunities

Lake
Charles

Lafayette

Houma

Birmingham

Montgomery

Panama City

Tallahassee

Jacksonville

Orlando

Tampa

Hancock Holding Company

2009 Analyst Day

Carl J. Chaney - President & CEO

carl_chaney@hancockbank.com

Michael M. Achary - EVP & CFO

michael_achary@hancockbank.com

Paul D. Guichet - VP, Investor Relations

paul_guichet@hancockbank.com

Hancock Holding Company

P.O. Box 4019, Gulfport, MS 39502

Phone: 228.868.4000 or 1.800.522.6542

HancockBank.com

John M. Hairston - CEO & Chief Operating Officer

john_hairston@hancockbank.com