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Letter portraitLegal landscapeQuarterYTD

Hancock Bank of Louisiana

Baton Rouge, LA · Cert 33029

FDIC

Q4 2013

$13.0BAssets
$7.9BLoans
$10.1BDeposits
$1.7BEquity
Deposit mix
59%Interest-bearing $6.0B41%Noninterest $4.1BQ4 2012Q4 2013

NIM

2.71%Q4 ’113.71%Q4 ’123.45%Q4 ’13+40%-6%

Non-interest income vs. expense

2.76%Q4 ’113.32%Q4 ’123.00%Q4 ’13+9%-11%

Executive Summary

  • Earnings: ROA of 0.95%, up 19 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 78.25% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.95%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-20 bps YoY

Efficiency Ratio (YTD, annualized)

64.68%-252 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.76%1.16%1.04%1.00%0.95%+19 bps
Return on Equity5.56%8.32%7.54%7.36%6.97%+141 bps
Net Interest Margin3.50%3.51%3.37%3.38%3.30%-20 bps
Efficiency Ratio67.19%57.95%60.01%62.38%64.68%-252 bps
Non-Interest Burden2.22%1.83%1.83%1.92%1.98%-24 bps
Growth
Asset Growth (YoY)-11.20%-0.35%1.18%2.13%-1.50%+970 bps
Loan Growth (YoY)-12.84%4.02%7.63%4.85%10.22%+2,306 bps
Deposit Growth (YoY)-9.28%-0.62%-0.28%-0.75%-2.93%+636 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%0.19%0.10%0.08%0.07%-29 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.32%14.41%13.02%12.93%12.25%-207 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits68.91%71.97%76.35%78.22%78.25%+933 bps
Liquid Assets / Assets10.47%12.17%11.59%16.99%16.26%+579 bps
CRE / Total Capitaln/an/an/an/an/an/an/a