Hancock Bank in Gulfport, Mississippi (MS), FL, AL



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Hancock Bank
GeneralFDIC Certificate #: 12441
Status: Active
Federal Reserve ID: 463735
Bank Holding Company (Regulatory Top Holder): Hancock Holding Company (RSSDID: 1086533, Location: Gulfport, MS)
Date Established: October 09, 1899
WWW: http://www.hancockbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 87 (Domestic: 87, Interstate: Yes)
OTS Docket #: 11602
FDIC's unique #: 7921
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 06, 2011
Last Structure Change Process Date: June 14, 2011
Last Data Update: June 14, 2011
Data Source Date: April 05, 2012
LocationAddress: 1 Hancock Plaza, Gulfport, MS 39501
County: Harrison
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Biloxi-Gulfport-Pascagoula, MS (#920)
Combined Statistical Area (CSA): Gulfport-Biloxi-Pascagoula, MS (#274)
Core Based Statistical Area (CBSA): Gulfport-Biloxi, MS (#25060)
CBSA Metro Statistical Area: Gulfport-Biloxi, MS (#25060)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $4,988.4 mil
Equity capital: $424.6 mil
Deposits held in domestic offices: $4,121.5 mil
Return on assets (ROA): 0.78% ($38.9 mil)
Quarterly return on assets: 1.02% ($50.9 mil)
Return on Equity (ROE): 9.54% ($40.5 mil)
Quarterly return on equity: 12.13% ($51.6 mil)
Net income: $41.3 mil
Quarterly Net income: $12.9 mil
Pretax return on assets: 0.96% ($47,888.6 mil)
Quarterly Pretax return on assets: 1.21% ($60,359.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)1,729
Total assets$4,988,392
Cash and due from depository institutions$175,676
Interest-bearing balances$85,193
Securities$1,117,037
Federal funds sold & reverse repurchase agreements$197
Net loans & leases$2,914,152
Loan loss allowance $90,768
Trading account assets$2,203
Bank premises and fixed assets$198,607
Other real estate owned$59,280
Goodwill and other intangibles$37,801
All other assets$483,439
Life insurance assets$4,988,392
Total liabilities and capital$4,563,764
Total liabilities$4,121,482
Total deposits$3,227,515
Interest-bearing deposits$4,121,482
Deposits held in domestic offices$69
% insured (estimated)357908.00%
Federal funds purchased & repurchase agreements $2,203
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $82,171
All other liabilities $424,628
Total equity capital$424,628
Total bank equity capital$424,628
Perpetual preferred stock$0
Common stock$11,866
Surplus$291,167
Undivided profits $121,595
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $13,660
Income earned, not collected on loans $82,891
Earning assets $0
Long-term assets (5+ years) $16,135
Average Assets, year-to-date $4,116,579
Average Assets, quarterly $1,394,750
Volatile liabilities $5,290,778
Insider loans $5,053,565
FHLB advances $3,075,900
Loans and leases held for sale $4,880,269
Unused loan commitments $107,067
Tier 1 (core) risk-based capital $80,132
Tier 2 risk-based capital $397,900
Total risk weighted assets $26,935
Total unused commitments $0
Restructured Loans and leases $561,018
Derivatives$31,576
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $206,729
Total interest expense $38,477
Net interest income $168,252
Provision for loan and lease losses $20,269
Total noninterest income $121,008
Fiduciary activities $11,417
Service charges on deposit accounts $22,288
Trading account gains & fees $0
Additional noninterest income $87,303
Total noninterest expense $218,400
Salaries and employee benefits $121,759
Premises and equipment expense $25,116
Additional noninterest expense $71,525
Pre-tax net operating income $50,591
Securities gains (losses) -$51
Applicable income taxes $9,230
Income before extraordinary items $41,310
Extraordinary gains - net $0
Net income attributable to bank $41,310
Net charge-offs $0
Cash dividends $41,310
Sale, conversion, retirement of capital stock, net $30,996
Net operating income $59,050
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.70%
Cost of funding earning assets 0.88%
Net interest margin 3.83%
Noninterest income to earning assets 2.75%
Noninterest expense to earning assets 4.97%
Net operating income to assets 0.78%
Return on assets (ROA) 0.78%
Pretax return on assets 0.96%
Return on equity (ROE) 9.54%
Retained earnings to average equity (YTD only) -4.10%
Net charge-offs to loans 1.05%
Credit loss provision to net charge-offs 65.39%
Efficiency ratio2.29%
Assets per employee$74,884
Cash dividends to net income (YTD only)2.89%
Condition Ratios (%)
Loss allowance to loans 142.94%
Loss allowance to noncurrent loans 3.02%
Noncurrent assets plus other real estate owned to assets 109.50%
Noncurrent loans to loans 2.85%
Net loans and leases to deposits2.76%
Net loans and leases to core deposits 70.71%
Equity capital to assets 74.35%
Core capital (leverage) ratio 8.51%
Tier 1 risk-based capital ratio 8.15%
Total risk-based capital ratio 12.94%
Memoranda
Average assets$14
Average earning assets$5,290,778
Average equity $432,808
Average loans $4,396,097
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$4,670,367
Number of Accounts1
Personal trust and agency accounts$2,378,973
Employee benefit-defined contribution accounts$348,535
Employee benefit-defined benefit accounts$41,447
Other retirement accounts$112,082
Corporate trust and agency accounts$59,351
Investment management agency accounts$0
Other fiduciary accounts$1,779,304
Fiduciary accounts held in foreign offices$38,254
Non-managed Assets$0
Number of Accounts1177
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$56,939
Employee benefit-defined benefit accounts$297,133
Other retirement accounts$2,291,394
Corporate trust and agency accounts$2
Other fiduciary accounts$203,174
Fiduciary accounts held in foreign offices$3,998
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2 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
129470587Eastern Shore Branch30723 State Highway 181, Daphne, AL 36526January 23, 2008Full Service Brick and Mortar
130473733Cottage Hill Branch2110 Demetropolis Road, Mobile, AL 36693March 04, 2008Full Service Brick and Mortar
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31 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
7945001Peoples First Community Branch2305 Hwy 77, Panama City, FL 32405July 21, 1983Full Service Brick and Mortar
80287067607 South Tyndall Parkway Branch607 South Tyndall Parkway, Panama City, FL 32404June 30, 1985Full Service Brick and Mortar
812870681001 State Road 434 Branch909 State Road 434, Altamonte Springs, FL 32714June 30, 1986Full Service Brick and Mortar
822870699001 Hwy 98 Branch9001 Front Beach Road, Panama City Beach, FL 32407June 30, 1988Full Service Brick and Mortar
832870701199 Eglin Parkway Branch1199 Eglin Parkway, Shalimar, FL 32579June 30, 1989Full Service Brick and Mortar
84287071Marianna Branch2900 North Jefferson Street, Marianna, FL 32446June 22, 1992Full Service Brick and Mortar
85287072Destin Branch14075 Emerald Coast Parkway, Destin, FL 32541December 14, 1992Full Service Brick and Mortar
88287076Kerry Forest Pkwy Branch2920 Kerry Forest Parkway, Tallahassee, FL 32317August 02, 1993Full Service Brick and Mortar
89287077Hunt Club Branch514 S. Hunt Club Boulevard, Apopka, FL 32703November 04, 1993Full Service Brick and Mortar
91287079Ponte Vedra Branch110 A1a North, Ponte Vedra Beach, FL 32082April 18, 1994Full Service Brick and Mortar
92287080Ohio Avenue Branch1302 Ohio Avenue, Lynn Haven, FL 32444June 26, 1995Full Service Brick and Mortar
93287081Capital Circle Branch2105 Capital Circle, Tallahassee, FL 32308November 07, 1994Full Service Brick and Mortar
94287082Niceville Branch1003 - A John Simms Parkway, Niceville, FL 32578April 17, 1998Full Service Brick and Mortar
95287083Palm Coast Branch300 Palm Coast Parkway Northeast, Palm Coast, FL 32137May 18, 1998Full Service Brick and Mortar
96287085Harrison Avenue Branch1038 Harrison Avenue, Panama City, FL 32401Febuary 02, 1998Full Service Brick and Mortar
97287086Pensacola Branch940 Creighton Road, Pensacola, FL 32504April 07, 1998Full Service Brick and Mortar
100359144Gulf Breeze Branch1387 Shoreline Dr, Gulf Breeze, FL 32561December 07, 1999Full Service Brick and Mortar
101363509Casselberry Branch1229 East State Road 436, Casselberry, FL 32707July 31, 2001Full Service Brick and Mortar
102363510Corporate Financial Branch1002 West 23rd Street, Panama City, FL 32405July 31, 2001Full Service Brick and Mortar
105363526Orange City Branch920 Saxon Blvd., Orange City, FL 32763Febuary 04, 2002Full Service Brick and Mortar
106363527Pace Branch4952 Highway 90, Pace, FL 32571July 31, 2001Full Service Brick and Mortar
109445574Clermont Branch2580 East Highway 50, Clermont, FL 34711May 03, 2004Full Service Brick and Mortar
110445575Point Meadow Way Branch8195 Point Meadow Way, Jacksonville, FL 32256July 12, 2004Full Service Brick and Mortar
112492482Mahan Branch2453 Mahan Drive, Tallahassee, FL 32308October 04, 2007Full Service Brick and Mortar
113426578Hancock Bank Of Florida Branch101 North Monroe Street, Tallahassee, FL 32301March 12, 2004Full Service Brick and Mortar
116281155Northside Branch2437 North Monroe Street, Tallahassee, FL 32302November 26, 1952Full Service Brick and Mortar
117260270Southside Branch2613 South Monroe Street, Tallahassee, FL 32301Febuary 23, 1994Full Service Brick and Mortar
121510741Hancock Center Motor Bank Branch1022 West 23rd St, Panama City, FL 32405June 17, 2010Limited Service Facility
123511958Kernan Branch3475 Kernan Blvd South, Jacksonville, FL 32224December 18, 2009Full Service Brick and Mortar
124512425Edgewater Branch11701 Panama City Beach Parkway, Panama City, FL 32407August 30, 2010Full Service Brick and Mortar
126513840Gateway Center Branch1000 Legion Place, Suite 100, Orlando, FL 32801October 11, 2010Full Service Brick and Mortar
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48 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07921Hancock Bank1 Hancock Plaza, Gulfport, MS 39501October 09, 1899Full Service Brick and Mortar
1227130Bay St Louis Main Branch100 South Beach Boulevard, Bay St. Louis, MS 39520August 27, 1938Full Service Brick and Mortar
2227131Stennis Satellite BranchNasa Administration Building, Hancock County, MS 39501November 12, 1963Full Service Brick and Mortar
3227132Northeast Branch1402 Pass Road, Gulfport, MS 39501May 24, 1955Full Service Brick and Mortar
4227133Long Beach Branch101 Jeff Davis Avenue, Long Beach, MS 39560May 19, 1955Full Service Brick and Mortar
6227135Pass Christian Branch265 East Scenic Boulevard, Pass Christian, MS 39571January 01, 1929Full Service Brick and Mortar
7227136Downtown Drive-In Branch1430 25th Avenue, Gulfport, MS 39501December 30, 1966Limited Service Facility
8227137Seabee BranchNaval Construction Battalion Center, Harrison County, MS 39501October 26, 1967Full Service Brick and Mortar
10227139Norwood Village Branch12100 Highway 49 North, Gulfport, MS 39503June 09, 1969Full Service Brick and Mortar
127291Poplarville Branch602 South Main Street, Poplarville, MS 39470January 03, 1914Full Service Brick and Mortar
14224619Picayune West Canal Branch600 West Canal Street, Picayune, MS 39466Febuary 23, 1963Full Service Brick and Mortar
15224620Picayune Northside Branch2400 Highway 11 North, Picayune, MS 39466June 28, 1973Full Service Brick and Mortar
16227141Bay 90 Branch601 Highway 90, Bay St. Louis, MS 39520June 28, 1976Full Service Brick and Mortar
17227142Picayune Southside Branch229 Highway 43 South, Picayune, MS 39466September 21, 1979Full Service Brick and Mortar
18227143Diamondhead Branch4401 Kalani Drive, Diamondhead, MS 39525December 06, 1979Full Service Brick and Mortar
19227144Pineville Road Branch5101 Beatline Road, Long Beach, MS 39560June 24, 1982Full Service Brick and Mortar
21227146Lyman Branch16100 Highway 53, Gulfport, MS 39503July 29, 1985Full Service Brick and Mortar
2210156Moss Point Main Branch5025 Main Street, Moss Point, MS 39563March 14, 1907Full Service Brick and Mortar
24235934Ocean Springs Main Branch901 Washington Avenue, Ocean Springs, MS 39564Febuary 10, 1954Full Service Brick and Mortar
25235935Pascagoula Main Branch3207 Magnolia Street, Pascagoula, MS 39567March 14, 1907Full Service Brick and Mortar
26235936Pascagoula East Branch3939 Denny Avenue, Pascagoula, MS 39567October 14, 1964Full Service Brick and Mortar
27235937Market Street Branch1969 Market Street, Pascagoula, MS 39567January 20, 1956Full Service Brick and Mortar
28235938St. Martin Branch15309 Lemoyne Boulevard, Biloxi, MS 39532June 17, 1968Full Service Brick and Mortar
29235939Doctors Plaza Branch4211 Hospital Street, Pascagoula, MS 39567November 15, 1973Full Service Brick and Mortar
32235942Escatawpa Branch7716 Highway 613, Escatawpa, MS 39552April 30, 1973Full Service Brick and Mortar
34227148Courthouse Road Branch533 Courthouse Road, Gulfport, MS 39507October 01, 1987Full Service Brick and Mortar
35227149Vancleave Branch10909 Highway 57, Vancleave, MS 39565October 07, 1987Full Service Brick and Mortar
38227152Popps Ferry Branch2369 Pass Road, Biloxi, MS 39531January 26, 1989Full Service Brick and Mortar
41206218Gautier Branch2020 Highway 90, Gautier, MS 39553January 07, 1971Full Service Brick and Mortar
44253705Diberville Branch10335 Diberville Boulevard, Diberville, MS 39532July 15, 1977Full Service Brick and Mortar
47249727East Ocean Springs Branch2699 Bienville Boulevard, Ocean Springs, MS 39564December 01, 1984Full Service Brick and Mortar
55227155Dedeaux Road Branch14165 Dedeaux Road, Gulfport, MS 39507January 18, 1995Full Service Brick and Mortar
56227156Kiln Branch16230 Hancock Plaza, Ste A, Bay Saint Louis, MS 39520October 19, 1995Full Service Brick and Mortar
61360753Saucier Branch18447 Highway 49, Saucier, MS 39574July 03, 2000Full Service Brick and Mortar
63224603Sumrall Branch201 Highway 42 East, Sumrall, MS 39482April 02, 1935Full Service Brick and Mortar
64224604Hattiesburg Hwy 98 Branch6052 Highway 98 West, Hattiesburg, MS 39401September 06, 1989Full Service Brick and Mortar
6544692Prentiss Branch965 South Columbia Avenue, Prentiss, MS 39474January 01, 1973Full Service Brick and Mortar
66286225Purvis Branch4 Highway 589, Purvis, MS 39475January 01, 1955Full Service Brick and Mortar
68224606Petal Branch535 Highway 42, Petal, MS 39465May 15, 1996Full Service Brick and Mortar
69334341Hattiesburg Usm University Branch3101 Hardy Street, Hattiesburg, MS 39401March 20, 2000Full Service Brick and Mortar
70357438Hattiesburg Lincoln Road Branch2007 Lincoln Road, Hattiesburg, MS 39402December 06, 1999Full Service Brick and Mortar
72363064Cowan Road Branch1014 Cowan Road, Gulfport, MS 39507January 14, 2002Full Service Brick and Mortar
73440522Cedar Lake Branch926 Cedar Lake Road, Biloxi, MS 39532May 24, 2005Full Service Brick and Mortar
74442545Crossroads Branch10496 Hwy 49, Gulfport, MS 39503June 08, 2002Full Service Brick and Mortar
77477415Waveland Branch529 Highway 90, Waveland, MS 39576June 13, 2008Full Service Brick and Mortar
78486002Biloxi Main Branch888 Howard Avenue, Biloxi, MS 39530Febuary 02, 2009Full Service Brick and Mortar
120508428North Diberville Branch3200 Lakeview Town Square Shopping Center, Suite E3, Diberville, MS 39540April 26, 2010Full Service Brick and Mortar
125513428U. S. Naval Home Branch1800 Beach Boulevard, Gulfport, MS 39507October 04, 2010Full Service Brick and Mortar
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