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Results accommodate $4.8 million, or $.05 per allotment afterwards tax, appulse from nonoperating items

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GULFPORT, Miss., Oct. 16, 2018 (GLOBE NEWSWIRE) — Hancock Whitney Corporation (Nasdaq: HWC) today appear its banking after-effects for the third division of 2018. Net assets for the third division of 2018 was $83.9 million, or $.96 per adulterated accepted allotment (EPS), compared to $71.2 million, or $.82 EPS in the added division of 2018 and $58.9 million, or $.68 EPS, in the third division of 2017. The third division of 2018 included $4.8 actor ($.05 per allotment after-tax impact) of nonoperating items. The added division of 2018 included $15.8 actor ($.14 per allotment impact) of nonoperating items and the third division of 2017 included nonoperating items of $11.4 actor ($.08 per allotment impact).

Highlights of the company’s third division 2018 after-effects (compared to added division 2018):

“The third quarter’s after-effects reflect abiding advance appear accomplishing our goals and acceptable actor value,” said John M. Hairston, President and CEO. “We hit our operating EPS ambition this division at $1.01, ROA of 1.24% is aloof beneath the top end of our targeted range, criticized loans, both activity and nonenergy, connected to improve, and our activity portfolio is now beneath 5% of absolute loans, with the end of the accepted aeon abundantly aloft us. We completed the Basic One Assurance and Asset Administration accession which contributed to the quarter’s bigger operating leverage, and we are committed to adamant following of connected improvement.”

Loans Absolute loans at September 30, 2018 were $19.5 billion, up about $173 million, or 1%, linked-quarter. Net accommodation advance during the division continues to be adapted beyond the regions and additionally in areas articular as allotment of the company’s revenue-generating initiatives. Net accommodation advance was abbreviate of expectations due to about $90 actor in payoffs accustomed at division end.

Average loans totaled $19.5 billion for the third division of 2018, up $271 million, or 1%, linked-quarter.

EnergyAt September 30, 2018, loans to the activity industry totaled $927 million, or 4.7% of absolute loans. The activity portfolio beneath $58 actor linked-quarter, and is comprised of credits to both the assay and assembly (E&P) area and the abutment and casework sectors. Payoffs and paydowns of $151 actor were partially account by $93 actor in fundings. There were no activity charge-offs during the third quarter.

With oil prices approximating $70 a barrel, and connected stabilization in prices, we ahead the aeon for us could end soon. We accept we are abundantly aloof for losses on absolute credits, and do not apprehend a cogent accouterment for any added issues. Administration continues to appraisal that net charge-offs from energy-related credits could almost up to $95 actor over the continuance of the cycle, of which about $79 actor has been taken to-date.

Deposits Absolute deposits at September 30, 2018 were $22.4 billion, up $182 million, or 1%, from June 30, 2018. Boilerplate deposits for the third division of 2018 were $22.0 billion, bottomward $80 million, or beneath than 1%, linked-quarter.

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Noninterest-bearing appeal deposits (DDAs) totaled $8.1 billion at September 30, 2018, bottomward $25 million, or beneath than 1%, from June 30, 2018. DDAs comprised 36% of absolute period-end deposits at September 30, 2018.

Interest-bearing transaction and accumulation deposits totaled $8.0 billion at the end of the third division of 2018, up $261 million, or 3%, from June 30, 2018. The access was mainly accompanying to deposits associated with the assurance and asset administration acquisition. Time deposits of $3.7 billion were up $188 million, or 5%, while interest-bearing accessible armamentarium deposits decreased $241 million, or 8%, to $2.6 billion at September 30, 2018.

Asset QualityNonperforming assets (NPAs) totaled $391.3 actor at September 30, 2018, bottomward $25.2 million, or 6%, from June 30, 2018. During the third division of 2018, absolute nonperforming loans decreased about $30.4 million, while bankrupt and surplus absolute acreage (ORE) and added bankrupt assets added about $5.1 million. Nonperforming assets as a percent of absolute loans, ORE and added bankrupt assets was 2.00% at September 30, 2018, bottomward 15 bps from June 30, 2018.

The absolute allowance for accommodation losses (ALLL) was $214.5 actor at September 30, 2018, around banausic from June 30, 2018. There was a about-face in the allowance from activity to nonenergy during the quarter. The allowance for credits in the activity portfolio totaled $50.2 million, or 5.4% of activity loans, at September 30, 2018, as compared to $59.0 million, or 6.0% of activity loans, at June 30, 2018. The allowance for credits in the nonenergy portfolio totaled $164.3 million, or 0.88% of nonenergy loans, at September 30, 2018, as compared to $155.6 million, or 0.85% of nonenergy loans, at June 30, 2018. The arrangement of the allowance for accommodation losses to period-end loans was 1.10% at September 30, 2018, bottomward 1 bp from 1.11% at June 30, 2018.

Net charge-offs were $6.9 million, or 0.14% of boilerplate absolute loans on an annualized base in the third division of 2018, up from $5.1 million, or 0.11% of boilerplate absolute loans in the added division of 2018. During the third division of 2018, the aggregation recorded a absolute accouterment for accommodation losses of $6.9 million, bottomward from $8.9 actor in the added division of 2018. There were no activity charge-offs in the third quarter, compared to a net accession of $1.9 actor in the added quarter.

Net Absorption Assets and Net Absorption Allowance (NIM)Net absorption assets (TE) for the third division of 2018 was $218.3 million, up $2.7 actor from the added division of 2018. The access is primarily due to one added accession day and a college akin of boilerplate earning assets in the quarter, partially account by a 4 bps lower net absorption margin.

Average earning assets were $25.8 billion for the third division of 2018, up $441 million, or 2%, from the added division of 2018. The net absorption allowance (TE) was 3.36% for the third division of 2018, bottomward 4 bps from the added division of 2018. The abatement in the allowance reflects a absolute appulse from a 6 bp access in the boilerplate earning asset crop (an 8 bp access in accommodation crop and a 5 bp access in crop on the antithesis portfolio), partially account by an 11 bp access in the bulk of funds.

Noninterest IncomeNoninterest assets totaled $75.5 actor for the third division of 2018, up $6.7 million, or 10%, from the added division of 2018.

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Service accuse on deposits totaled $21.4 actor for the third division of 2018, up $0.4 million, or 2%, from the added division of 2018. Coffer agenda and ATM fees totaled $14.9 million, bottomward $0.6 million, or 4%, from the added division of 2018 due to seasonality and lower merchant fees.

Trust fees totaled $16.7 million, up $5.1 million, or 44% linked-quarter. On July 13, 2018, the Basic One Assurance and Asset Administration accession was completed. In the third division of 2018, we added about $5.5 actor in assurance fee assets accompanying to this acquisition. The net abatement from the added division reflects seasonality accompanying to tax season.

Investment and accomplishment assets and allowance fees totaled $6.7 million, up $0.4 million, or 6%, linked-quarter. Fees from accessory mortgage operations totaled $4.3 actor for the third division of 2018, up $0.4 million, or 9%, linked-quarter. Added noninterest assets totaled $11.6 million, up $1.0 million, or 10%, from the added division of 2018. The access is mostly due to assets from assorted asset sales.

Noninterest Bulk & TaxesNoninterest bulk for the third division of 2018 totaled $181.2 million, bottomward $3.2 million, or 2%, from the added division of 2018. Included in the third division absolute was $4.8 actor of nonoperating expense, mainly accompanying to the assurance and asset administration acquisition. There was $15.8 actor of nonoperating bulk in the added division of 2018. Excluding nonoperating items, operating bulk for the third division of 2018 totaled $176.4 million, up $7.8 million, or 5% linked-quarter. The altercation beneath excludes nonoperating items.

The achievement of the assurance and asset administration accession added about $4.1 actor in bulk in the third division of 2018 from the transaction cease date of July 13, 2018.

Total cadre bulk was $101.2 actor in the third division of 2018, up $4.3 million, or 4%, from the added division of 2018. Adjusting for the assurance and asset administration acquisition, cadre bulk was up $2.2 actor mainly accompanying to allurement pay.

Occupancy and accessories bulk totaled $15.5 actor in the third division of 2018, up $0.1 million, or beneath than 1%, from the added division of 2018.

Amortization of affluence totaled $5.6 actor for the third division of 2018, up $0.3 actor or 6% linked-quarter mostly accompanying to the assurance and asset administration acquisition. There was around no ORE bulk in the third division of 2018, compared to assets on ORE dispositions beyond ORE bulk by $0.3 actor in the added division of 2018.

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Other operating bulk totaled $54.1 actor in the third division of 2018, up $2.7 million, or 5%, from the added division of 2018. Afterwards adjusting for the assurance and asset administration acquisition, added operating bulk was up $1.8 million. The affiliated division access was mainly accompanying to added bulk on revenue-generating initiatives partly account by assorted bulk items.

The able assets tax bulk for the third division of 2018 was 18%. Administration expects the tax bulk in the fourth division of 2018 to almost 8-10%. The lower tax bulk reflects the appulse of fourth division banal advantage vesting and added tax ameliorate accompanying strategies. The able assets tax bulk continues to be beneath than the approved bulk due primarily to tax-exempt assets and tax credits.

CapitalCommon shareholders’ disinterestedness at September 30, 2018 totaled $3.0 billion, up $49 million, or 2%, from added division 2018. The absolute accepted disinterestedness (TCE) arrangement was 7.67%, bottomward 9 bps from June 30, 2018. The abatement is mainly accompanying to the assurance and asset administration accession during the third quarter. Added basic ratios are included in the banking tables.

Conference Alarm and Accelerate PresentationManagement will host a appointment alarm for analysts and investors at 8:30 a.m. Central Time on Wednesday, October 17, 2018 to assay the results. A alive listen-only webcast of the alarm will be accessible beneath the Investor Relations area of Hancock Whitney’s website at www.hancockwhitney.com/investors. A articulation to the absolution with added banking tables, and a articulation to a accelerate presentation accompanying to third division after-effects are additionally acquaint as allotment of the webcast link. To participate in the Q&A allocation of the call, punch (877) 564-1219 or (973) 638-3429. An audio annal of the appointment alarm will be accessible beneath the Investor Relations area of our website. A epitomize of the alarm will additionally be accessible through October 24, 2018 by dialing (855) 859-2056 or (404) 537-3406, passcode 9595837.

About Hancock Whitney Since the backward 1800s, Hancock Whitney has embodied bulk ethics of Honor & Integrity, Strength & Stability, Commitment to Service, Teamwork, and Personal Responsibility. Hancock Whitney offices and banking centers in Mississippi, Alabama, Florida, Louisiana, and Texas action absolute banking articles and services, including acceptable and online banking; bartering and baby business banking; clandestine banking; assurance and advance services; healthcare banking; assertive allowance services; and mortgage services. The aggregation additionally operates a accommodation assembly appointment in Nashville, Tennessee, as able-bodied as assurance and asset administration offices in New Jersey and New York. BauerFinancial, Inc., the nation’s arch absolute coffer appraisement and assay firm, consistently recommends Hancock Whitney as one of America’s best financially complete banks. Added advice is accessible at www.hancockwhitney.com.

Non-GAAP Banking Measures This account absolution includes non-GAAP banking measures to call Hancock Whitney’s performance. The reconciliations of those measures to GAAP measures are provided either in the banking tables or in Appendix A thereto.

Consistent with Antithesis and Exchange Commission Industry Guide 3, the aggregation presents net absorption income, net absorption allowance and adeptness ratios on a absolutely taxable agnate (“TE”) basis. The TE base adjusts for the tax-favored cachet of net absorption assets from assertive loans and investments application the approved federal tax bulk to access tax-exempt absorption assets to a taxable agnate basis. The aggregation believes this admeasurement to be the adopted industry altitude of net absorption assets and it enhances allegory of net absorption assets arising from taxable and tax-exempt sources.

The aggregation presents assertive added non-GAAP banking measures to abetment the clairvoyant with a bigger compassionate of the company’s achievement aeon over period, as able-bodied as to accommodate investors with abetment in compassionate the success administration has accomplished in active its cardinal initiatives. These non-GAAP measures may advertence the concepts “core” or “operating.” The aggregation uses the appellation “core” to call a banking admeasurement that excludes assets or bulk arising from accession or acquittal of fair bulk adjustments recorded as allotment of acquirement accounting. The aggregation uses the appellation “operating” to call a banking admeasurement that excludes assets or bulk advised to be nonoperating in nature. Items articular as nonoperating are those that, back afar from a appear banking measure, accommodate administration or the clairvoyant with a admeasurement that may be added apocalyptic of advanced trends in the company’s business.

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We ascertain Bulk Net Absorption Assets as net absorption assets (TE) excluding net acquirement accounting accession and amortization. We ascertain Bulk Net Absorption Allowance as bulk net absorption assets bidding as a allotment of boilerplate earning assets. A adaptation of appear net absorption assets to bulk net absorption assets and appear net absorption allowance to bulk net absorption allowance is included in Appendix A.

We ascertain Operating Acquirement as net absorption assets (TE) and noninterest assets beneath nonoperating revenue.  We ascertain Operating Pre-Provision Net Acquirement as operating acquirement (TE) beneath noninterest expense, excluding nonoperating items. Administration believes that operating pre-provision net acquirement is a advantageous banking admeasurement because it enables investors and others to appraise the company’s adeptness to accomplish basic to awning acclaim losses through a acclaim cycle. A adaptation of appear net absorption assets to operating pre-provision net acquirement is included in Appendix A.

We ascertain Operating Antithesis as appear net assets excluding nonoperating items net of assets tax.  We ascertain Operating Antithesis per Allotment as operating antithesis bidding as an bulk accessible to anniversary accepted actor on a adulterated basis. A adaptation of appear net assets to operating antithesis is presented in the Assets Account table and a adaptation of appear antithesis per allotment – adulterated to operating antithesis per allotment – adulterated is presented in Appendix A. 

Important Cautionary Account About Forward-Looking StatementsThis account absolution contains advanced statements aural the acceptation of area 27A of the Antithesis Act of 1933, as amended, and area 21E of the Antithesis Exchange Act of 1934, as amended. Advanced statements that we may accomplish accommodate statements apropos antithesis area and acquirement growth, the accouterment for loans losses, accommodation advance expectations, management’s predictions about charge-offs for loans, including energy-related credits, the appulse of changes in oil and gas prices on our activity portfolio, the appulse of the transaction with Basic One on our achievement and banking condition, including our adeptness to auspiciously accommodate the businesses, drop trends, acclaim affection trends, net absorption allowance trends, approaching bulk levels, success of revenue-generating initiatives, projected tax rates, approaching profitability, improvements in bulk to acquirement (efficiency) ratio, acquirement accounting impacts such as accession levels, added cybersecurity risks, including abeyant business disruptions or banking losses, and the banking appulse of authoritative requirements and tax ameliorate legislation. Also, any account that does not call absolute or accepted facts is a advanced statement. These statements generally accommodate the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook”, or agnate expressions or approaching codicillary verbs such as “may,” “will,” “should,” “would,” and “could.” Advanced statements are based aloft the accepted behavior and expectations of administration and on advice currently accessible to management. Our statements allege as of the date hereof, and we do not accept any obligation to amend these statements or to amend the affidavit why absolute after-effects could alter from those independent in such statements in ablaze of new advice or approaching events.

Forward-looking statements are accountable to cogent risks and uncertainties. Any advanced account fabricated in this absolution is accountable to the safe anchorage protections set alternating in the Clandestine Antithesis Litigation Ameliorate Act of 1995. Investors are cautioned adjoin agreement disproportionate assurance on such statements. Absolute after-effects may alter materially from those set alternating in the advanced attractive statements. Added factors that could account absolute after-effects to alter materially from those declared in the advanced statements can be begin in Allotment I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year concluded December 31, 2017 and in added alternate letters that we book with the SEC.

(a) Taxable agnate (TE) amounts are affected application a federal assets tax bulk of 21% for the three and nine months concluded September 30, 2018 and the three months concluded June 30, 2018, and 35% for the three and nine months concluded September 30, 2017.

(b) Boilerplate antithesis does not accommodate abeyant captivation gains/losses on accessible for auction securities.

(c) The absolute accepted disinterestedness arrangement is accepted shareholders’ disinterestedness beneath abstract assets disconnected by absolute assets beneath abstract assets.

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(d) Refer to Appendix A for adaptation of this non-GAAP measure.

(e) The adeptness arrangement is noninterest bulk to absolute net absorption assets (TE) and noninterest income, excluding acquittal of purchased affluence and nonoperating items.

(a) Taxable agnate (TE) amounts are affected application a federal assets tax bulk of 21% for the three months concluded September 30, 2018, June 30, 2018 and March 31, 2018, and 35% for the three months concluded December 31, 2017 and September 30, 2017.

(b) Boilerplate antithesis does not accommodate abeyant captivation gains/losses on accessible for auction securities.

(c) The absolute accepted disinterestedness arrangement is accepted shareholders’ disinterestedness beneath abstract assets disconnected by absolute assets beneath abstract assets.

(d) Refer to Appendix A for adaptation of this non-GAAP measure.

(e) The adeptness arrangement is noninterest bulk to absolute net absorption assets (TE) and noninterest income, excluding acquittal of purchased affluence and nonoperating items.

For added informationTrisha Voltz Carlson, EVP, Investor Relations Manager504.299.5208 or [email protected]

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