Second Quarter 2018Earnings Conference Call  7/18/2018 

 This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements that we may make include statements regarding balance sheet and revenue growth, the provision for loans losses, loan growth expectations, management’s predictions about charge-offs for loans, including energy-related credits, the impact of changes in oil and gas prices on our energy portfolio, and the downstream impact on businesses that support the energy sector, especially in the Gulf Coast region, the impact of the sale of HFC on our performance and financial condition, the impact of the transactions with First NBC and Capital One on our performance and financial condition, including our ability to successfully integrate the businesses, deposit trends, credit quality trends, net interest margin trends, future expense levels, success of revenue-generating initiatives, projected tax rates, future profitability, improvements in expense to revenue (efficiency) ratio, purchase accounting impacts such as accretion levels, and the financial impact of regulatory requirements and tax reform legislation. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “forecast,” “goals,” “targets,” “initiatives,” “focus,” “potentially,” “probably,” “projects,” “outlook", or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events. Forward-looking statements are subject to significant risks and uncertainties. Any forward-looking statement made in this release is subject to the safe harbor protections set forth in the Private Securities Litigation Reform Act of 1995. Investors are cautioned against placing undue reliance on such statements. Actual results may differ materially from those set forth in the forward looking statements. Additional factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2017 and in other periodic reports that we file with the SEC.  Important cautionary statement about forward-looking statements  2 

 Non-GAAP Reconciliations & Glossary of Terms  Throughout this presentation we may use non-GAAP numbers. The items noted below with an asterisk, "*", are considered non-GAAP. Reconciliations of those non-GAAP results to the comparable GAAP measure are included in the appendix to this presentation. The earnings release, financial tables and supporting slide presentation can be found on the company’s Investor Relations website at hancockwhitney.com/investors.   1Q17 – First Quarter of 20171Q18 – First Quarter of 20182H18 – Second Half of 20182Q18 – Second Quarter of 20183Q18 – Third Quarter of 20184Q17 – Fourth Quarter of 20174Q18 – Fourth Quarter of 2018AFS – Available for sale securitiesALLL – Allowance for loan and lease lossesAnnualized – Calculated to reflect a rate based on afull yearBOLI – Bank-owned life insuranceCDI – Core Deposit IntangibleCECL – Current Expected Credit Losses (new accounting standard set for 2020)*Core – Excluding purchase accounting items and nonoperating items*Core NIM – Reported net interest income (TE) excluding total net purchase accounting adjustments, annualized, as a percent of average earning assets*Core Revenue – Net interest income (TE) plus noninterest income excluding purchase accounting adjustments and nonoperating items for both categoriesCSO – Corporate strategic objectiveCurrent Energy Cycle – Refers to the energy cycle beginning in November of 2014 through the most recent quarter endDDA – Noninterest-bearing demands deposit accountsDTA – Deferred Tax AssetE&P – Exploration and Production (Oil & Gas)Efficiency ratio – noninterest expense to total net interest (TE) and noninterest income, excluding amortization of purchased intangibles and nonoperating itemsEOP – End of periodEPS – Earnings per shareFNBC I – Acquired selected assets & liabilities from FNBC FNBC II – Acquired selected assets & liabilities of FNBC from FDIC FTE – full time equivalentHFC – Harrison Finance Company (consumer finance company sold 3/9/18)HTM – Held to maturity securitiesIRR – Interest rate riskLinked-quarter (LQ) – current quarter compared to previous quarterLoan Mark – Fair value discount on loans acquired in a business combinationLOB – Line of BusinessLPO – Loan production officeLQA – Linked-quarter annualizedM&A – Mergers and acquisitionsMM – Dollars in millionsNII – Net interest income NIM – Net interest marginNPA – Nonperforming assetsO&G – Oil and gas*Operating – Financial measure excluding nonoperating itemsORE – Other real estatePAA – Purchase accounting adjustments from business combinations; including loan accretion, offset by any amortization of a bond portfolio premium, amortization of an indemnification asset and amortization of intangiblesPPNR – Pre-provision net revenueRBL – Reserve-based lendingROA – Return on average assetsRR – Risk ratingSBIC – Small Business Investment CompanySNC – Shared National CreditTCE – Tangible common equity ratio (common shareholders’ equity less intangible assets divided by total assets less intangible assets)TCJA – Tax Cuts and Jobs ActTDR – Troubled Debt Restructuring TE – Taxable equivalent (calculated using the current statutory federal tax rate)Y-o-Y – Year over year  3 

 Corporate Profile (as of June 30, 2018)  $27.9 billion in Total Assets$19.4 billion in Total Loans$22.2 billion in Total DepositsTangible Common Equity (TCE) ratio 7.76%Nearly 200 banking locations and 269 ATMs across our footprintApproximately 3,800 (FTE) employees corporate-wideRated among the strongest, safest financial institutions in the country by BauerFinancial, Inc. for 115 consecutive quartersEarned top customer service marks with Greenwich Excellence AwardsMoody’s long-term issuer rating: Baa3S&P long-term issuer rating: BBB  4 

 Purchase of Capital One’s Trust & Asset Management Business  Transaction closed July 13, 2018Expected to contribute $.07-$.08 EPS for full year 2019Hancock Whitney is now a Top 50 trust firm in the USSecures one of the highest market shares of trust and asset management business along the I-10 corridor from Beaumont, TX to Gulfport, MSEstablishes Hancock Whitney as a preeminent Wealth Management provider in Louisiana, southern Mississippi and across the Gulf South regionOpens opportunities to expand relationships with Private Banking, Wholesale Banking, and Retail ServicesHelps to achieve our strategic goal of increasing noninterest income as a component of total revenue  5 

 Second Quarter 2018 Highlights   (compared to first quarter 2018)  Effective May 25th our name changed to Hancock Whitney Corporation and Hancock Whitney Bank; new ticker “HWC”Net income decreased $1.3 million, or 2% linked-quarter; excluding nonoperating items, earnings increased $5.4 million, or 7%Second quarter included $15.8 million of nonoperating items related to brand consolidation project ($9.8 million), the Capital One trust and asset management purchase ($1.5 million), restructuring of a portion of our BOLI investments ($3.2 million), and other miscellaneous items ($1.3 million)Operating leverage increased approximately $4 million linked-quarter; revenue up $7.5 million, operating expense up $3.7 millionEfficiency ratio improved 11 bps to 57.4%Return on average assets (ROA) declined 4 bps to 1.04%; excluding nonoperating items, ROA increased 5 bps to 1.22%NIM increased 3 bps to 3.40%Criticized loans declined $187 million or 17% LQ; $115 million energy, $72 million nonenergy  ($s in millions; except per share data)  2Q18  1Q18  2Q17  Net Income  $71.2  $72.5  $52.3  Earnings Per Share – diluted  $.82  $.83  $.60  Return on Assets (%) (ROA)  1.04  1.08  0.79  Return on Tangible Common Equity (%) (ROTCE)  13.72  14.41  10.69  Net Interest Margin (%)  3.40  3.37  3.43  Net Charge-offs (%)  0.11  0.26  0.13  Tangible Common Equity (%)   7.76  7.80  7.65  Results Excluding Nonoperating Items (operating)*        Nonoperating Items (pre-tax)  $15.8  $7.0  $10.6  Operating income  $83.7  $78.3  $59.2  Earnings Per Share – diluted  $.96  $.90  $.68  Pre-provision net revenue (TE)  $115.9  $112.1  $102.9  ROA (%)  1.22  1.17  0.89  ROTCE (%)  16.12  15.56  12.11  Efficiency Ratio (%)  57.4  57.5  60.6  *Non-GAAP  6 

 Growth Diversified Across Footprint and Many Lines of Business  Loans totaled $19.4 billion at quarter-end, an increase of $278 million, or 6% LQALoan portfolio 51% variable56% of variable loans are LIBOR-based 96% of the LIBOR loans are tied to 1mo L4% of the LIBOR loans are tied to 3mo LApproximately 33% tied to Wall Street Journal PrimeNet loan growth during the quarter continues to be diversified both regionally and in areas identified as part of the company’s revenue-generating initiativesExpect loan growth for 3Q18 in the range of $250-$300 million; expect year-over-year EOP loan growth between 5-6%  7 

 Well-Diversified Loan Portfolio  8 

 Asset Quality Improvement - Criticized Commercial Loans Declined 17% LQ  Total criticized loans  $1,113  $1,108  $1,256  $1,268  $1,189  $1,153  $1,092  $1,076  $1,084  $897  Criticized –nonenergy  $352  $310  $363  $379  $452  $466  $485  $526  $561  $489  Criticized – energy  $761  $798  $893  $889  $737  $687  $607  $550  $523  $408      Criticized commercial loans totaled $897 million at June 30, 2018, down $187 million, or 17%, from March 31, 2018Criticized energy loans totaled $408 million at June 30, 2018, down $115 million, or 22%, linked-quarter; declines in all major segmentsCriticized nonenergy loans totaled $489 million at June 30, 2018, down $72 million, or 13%, linked-quarterProvision for loan losses was $8.9 million, down $3.4 million linked-quarterNet charge-offs totaled $5.1 million, or 11 bps, down from $12.2 million, or 26 bps, in 1Q18  9 

 Asset Quality Improvement - Nonperforming Loans Declined 11% LQ  Total nonperforming loans  $283  $302  $311  $358  $310  $329  $366  $373  $442  $394  Nonperforming loans - nonenergy  $124  $105  $112  $119  $116  $121  $145  $159  $163  $157  Nonperforming loans – energy  $159  $197  $199  $239  $194  $208  $221  $214  $279  $237  Total HWC Nonperforming Loans(nonaccrual loans + TDRs)    NPA ratio 2.15%, down 30 bps linked-quarter Nonperforming assets totaled $417 million, down $52 million from March 31, 2018Nonperforming energy loans totaled $237 million at June 30, 2018, down $42 million, or 15%, linked-quarterNonperforming nonenergy loans totaled $157 million at June 30, 2018, down $6 million, or 4%, from first quarter of 2018  10 

 Energy Portfolio At Strategic Goal of 5%     As of June 30, 2018                  ($ in millions)  Total Outstanding  Total Commitment  % Utilization  $ Criticized  % Criticized  $ Nonaccrual*  % Nonaccrual*  $ 30-day Past Due**  % 30-day Past Due**  Upstream   $313   $604  52%   $120   38%   $13  4%   $1   0%                                Midstream   $60    $88  68%   $-   -   $-   -   $-   -                                Support Drilling   $122   $202   61%   $43   35%   $3   2%   $17   14%                                Support Nondrilling   $489   $635  77%   $246   50%   $72   15%   $44   9%                                Downstream   $1   $58  1%   $-   -   $-   -   $-   -                      Total Energy   $985   $1,586  62%   $408  41%   $88   9%   $62  6%  Energy loans totaled $985 million, or 5.1% of total loans, down $69 million linked-quarter and down $247 million compared to a year earlierLinked-quarter change reflects $137 million in net reductions and $5.0 million of charge-offs, offset by $73 million in fundingsEnergy charge-offs in 2Q18 offset by $6.9 million of energy-related recoveriesNet decrease in outstandings of $69 million linked-quarter and a $126 million decrease in total commitmentsNet decrease of $28 million in nonaccrual energy loansAccruing energy TDRs totaled $149 million at June 30, 2018  * Nonaccruals exclude accruing TDRs; **Includes accrual and nonaccrual loans  11 

 Adequate Reserve Coverage  Allowance for loan losses (ALLL) $214.5 million in 2Q18, up $3.8 million linked-quarterALLL for energy credits $59 million at June 30, 2018, down $3.6 million from March 31, 2018 Nonenergy ALLL $155.5 million as of June 30, 2018, up $7.4 million from March 31, 2018  Net charge-offs to-date for the current energy cycle (Nov ‘14 – Jun ‘18) total $79 millionManagement continues to believe the current reserve is adequate and estimates that net charge-offs from energy-related credits could approximate up to $95 million over the duration of the cycleHigher oil prices are helpful in the recovery of credits impacted by the energy cycle, however, we believe the key to resolution of many of those credits, especially in support services, is stabilization of prices over the longer term  Total  Energy  2Q18  Upstream  Midstream  Support Drilling  Support Nondrilling  Total Energy  General Reserves  $8.3MM  $0.8MM  $5.6MM  $29.3MM  $44.0MM  Impaired Reserves  ---  ---  $0.7MM  $14.3MM  $15.0MM  Total Energy Allowance  $8.3MM  $0.8MM  $6.2MM  $43.6MM  $59.0MM  Loans  $313MM  $60MM  $122MM  $489MM  $985MM  Total Energy Allowance %  2.65%  1.37%  5.1%  8.91%  6.0%  2Q18  Nonenergy  Energy  Total  General Reserves  $137.8MM  $44.0MM  $181.8MM  Impaired Reserves  $5.5MM  $15.0MM  $20.5MM  PCI Reserves  $12.2MM  --  $12.2MM  Total Allowance for Credit Losses  $155.5MM  $59.0MM  $214.5MM  Loans  $18,386MM  $985MM  $19,371MM  Coverage Ratio at 6-30-18  0.85%  6.0%  1.11%  Coverage Ratio at 3-31-18  0.82%  5.9%  1.10%  12 

 Securities Portfolio   Portfolio totaled $6.1 billion, up $184 million, or 3%, linked-quarterYield 2.50%, up 4 bps linked-quarterPremium amortization relatively unchanged linked-quarterUnrealized net loss of $109.9 million on AFS compared to $93.3 million at March 31, 201850% HTM, 50% AFSDuration 4.89 years compared to 4.87 years in 1Q18Balance sheet is asset sensitive over a 2 year period to rising interest rates under various shock scenarios  13 

 Solid Levels Of Core Deposit Funding  Total deposits $22.2 billion, down $250 million, or 1%, linked-quarterNoninterest-bearing demand deposits (DDA) decreased $64 million Interest-bearing transaction and savings deposits decreased $347 millionTime deposits increased $414 million Interest-bearing public fund deposits decreased $253 millionFunding mix remained strongDDA comprised 37% of total period-end depositsCost of funds up 6 bps to 64 bpsAverage loan/deposit ratio 87%, virtually unchanged linked-quarter  14 

 Reported net interest margin (NIM) of 3.40%, up 3 bps linked-quarterLoan yield up 12 bpsYield on securities portfolio up 4 bpsCost of funds up 6 bpsCore NIM (TE) of 3.31% up 5 bps linked-quarter  NIM (TE) Expansion of 3 bps LQ as Deposit Betas Decline  Betas  2Q18  1Q18  4Q15-2Q18  Loans  44%  47%  48%  Deposits  17%  29%  21%  15 

 Focus On Growing Noninterest Income   Noninterest income, totaled $68.8 million, up $2.6 million, or 4%Loss on the sale of the consumer finance company (HFC) totaled $1.1 million in first quarter of 2018Expect trust and asset management transaction to add approximately $6 million per quarter to fee income beginning in 3Q18Capital One trust and asset management transaction closed July 13, 2018Seasonal increases in trust and mortgage lines of businessIncreased card activity resulted in an increase in bankcard and ATM fees  16 

 Growth in Balance Sheet and Revenue Drive Higher Expenses  Operating expense (noninterest expense excluding nonoperating items) totaled $168.6 million, up $3.7 million, or 2%Nonoperating expenses totaled $15.8 million in 2Q18 and $5.9 million in 1Q18Consumer finance company (HFC) expenses totaled $2.5 million in 1Q18; sold March 9, 2018Efficiency ratio improved 11 bps to 57.4%Expect trust and asset management transaction to add approximately $6 million per quarter to both 3Q18 and 4Q18 expensesLinked-quarter changes noted below adjusted for HFC  17  Annual merit increase and incentive pay  Annual insurance renewals  DP, professional services, regulatory and business development 

 Managing Our Capital In The Best Interests of All Stakeholders  TCE ratio 7.76%, down 4 bps linked-quarterGrowth in tangible assets -18 bpsTangible net earnings +29 bpsOCI -9 bps; mostly related to higher unrealized loss on the AFS securities portfolioDividends -8 bpsStock-based comp activity & other +2 bpsWill continue to manage capital in the best interests of the Company and our shareholdersOrganic growthContinuing to review M&A opportunities; strategy unchangedDividend payout ratio targeted between 30-40% of net incomeStock buybacks    Tangible Common Equity Ratio  Leverage (Tier 1) Ratio  Tier 1 Risked-Based Capital Ratio  Total Risk-Based Capital Ratio  June 30, 2018  7.76%  8.65%(e)  10.49%(e)  12.13%(e)  March 31, 2018  7.80%  8.51%  10.35%  12.00%  December 31, 2017  7.73%  8.43%  10.21%  11.90%  September 30, 2017  7.80%  8.34%  10.10%  11.84%  June 30, 2017  7.65%  8.21%  10.01%  11.76%  (e) Estimated for most recent period-end  18 

 Near-Term Outlook    2Q18 Actual  Items to note  2H18 Outlook  Loans  up $278 million or 6% LQA; up $897 million or 5% Y-o-Y  Energy loans declined $69 million and total just under $1 billion or 5.1% of total loans  Expect net loan growth of $250-$300 million for 3Q18 and 5%-6% EOP growth year-over-year  Net Interest Margin (NIM)  3.40%3.31% (core)  up 3 bps LQup 5 bps LQ  Absent any additional rate hikes expect NIM to remain relatively stable in the second half of 2018; expect each additional 25 bps increase in rates to widen the NIM 2-4 bps  Noninterest Income  $68.8 million    Expect operating noninterest income to increase 8%-9% for the year compared to 2017Capital One transaction to add approximately $6MM in trust fees per quarter in 2H18  Loan Loss Provision  $8.9 million    Expected range of $8-$10 million in third and fourth quarters of 2018  Operating expense  $168.6 million    Expect operating expense to increase 3%-4% for the year compared to 2017Capital One transaction to add approximately $6MM per quarter in 2H18  Effective Tax Rate  18%    Expect the effective tax rate to approximate 18% and 15% in 3rd and 4th quarters of 2018 respectively  Nonoperating items  $15.8 million  Brand consolidation project ($9.8 million), Capital One trust and asset management purchase ($1.5 million), restructuring of a portion of our BOLI investments ($3.2 million), and other miscellaneous items ($1.3 million)  Nonoperating items anticipated in 2H18: Relocation expenses for Hancock Whitney Center in New Orleans; Expenses related to the Capital One Trust & Asset Management acquisition  19 

 Long-Term Outlook – Goal To Achieve Objectives By 4Q19    Quarterly Objective  2Q18 Actual  Earnings (EPS)/quarter (excluding nonoperating items)  $1.00 - $1.10+  $.96  ROA (operating)  1.15% - 1.25%+  1.22%  TCE  8.5%+  7.76%  ROTCE (operating)  15%+  16.12%  Efficiency Ratio  ≤56%  57.4%  2018/2019 Corporate Strategic Objectives (CSOs)   20 

 Non-GAAP Reconciliations 

 Operating Earnings & Operating EPS Reconciliations                                                    Three Months Ended                                       (in thousands, except per share amounts)       6/30/2018        3/31/2018        12/31/2017        9/30/2017        6/30/2017      Net Income      $71,177         $72,475          $ 55,449          $58,902          $52,267       Net income allocated to participating securities      (1,328)         (1,366)         (1,104)         (1,244)         (1,166)      Net income available to common shareholders      $69,849         $71,109          $54,345          $57,658          $51,101       Nonoperating items, net of applicable income tax       12,486         5,782          19,520          7,405          6,902       Nonoperating income allocated to participating securities      (233)         (109)         (390)         (156)         (154)      Operating net income available to common shareholders      $82,102         $76,782          $73,475          $64,907          $57,849                                                   Weighted average common shares - diluted      85,483         85,423          85,303          84,980          84,867                                                   Earnings per share - diluted      $0.82         $0.83          $0.64          $0.68          $0.60       Operating earnings per share - diluted      $0.96         $0.90          $0.86          $0.76          $0.68                                                   22 

 Operating ROA, ROE & ROTCE Reconciliations                                                    Three Months Ended                                       (dollars in thousands, except ratios)       6/30/2018        3/31/2018        12/31/2017        9/30/2017        6/30/2017      Net Income      $71,177        $72,475        $55,449        $58,902        $52,267      Nonoperating items, net of income tax benefit      12,486        5,782        ---        7,405        6,902      Income tax resulting from re-measurement of deferred tax asset      ---        ---        19,520        ---        ---      Operating earnings      $83,663         $78,257          $74,969         $66,307         $59,169                                                   Average Assets      $27,485,052         $27,237,077          $26,973,507          $26,677,573          $26,526,253       Average Equity      $2,908,997         $2,872,813          $2,867,475          $2,838,517          $2,786,566       Average Tangible Common Equity      $2,081,237         $2,039,544          $2,034,313         $2,001,410        $1,960,469                                                  Return on average assets - operating      1.22%        1.17%        1.10%        0.99%        0.89%      Return on average equity - operating      11.54%        11.05%        10.37%        9.27%        8.52%      Return on average tangible common equity - operating      16.12%        15.56%        14.62%        13.14%        12.11%                                                  23 

 Operating Revenue (TE) & Operating PPNR (TE) Reconciliations                                                  Three Months Ended                                         (dollars in thousands)     6/30/2018        3/31/2018        12/31/2017        9/30/2017        6/30/2017        Net interest income      $211,547         $205,664          $208,047          $202,857          $199,717       Noninterest income      68,832          66,252           69,688           67,115           67,487       Total revenue      $280,379         $271,916          $277,735          $269,972          $267,204       Taxable equivalent adjustment       4,081         3,963          8,949          8,579          8,564       Nonoperating revenue       —          1,145           —           —           —       Operating revenue (TE)      $284,460         $277,024          $286,684          $278,551          $275,768       Noninterest expense      (184,402)         (170,791)         (168,063)         (177,616)         (183,470)      Nonoperating expense      15,805         5,853          —          11,393          10,617       Operating pre-provision net revenue (TE)      $115,863          $112,086           $118,621           $112,328           $102,915                                                   24 

 Core NII (TE) & Core NIM (TE) Reconciliation                                                  Three Months Ended                                         (dollars in thousands, except ratios)     6/30/2018        3/31/2018        12/31/2017        9/30/2017        6/30/2017        Net interest income      $211,547         $205,664          $208,047          $202,857          $199,717       Taxable equivalent adjustment (a)      4,081          3,963           8,949           8,579           8,564        Net interest income (TE)      $215,628         $209,627          $216,996          $211,436          $208,281       Purchase accounting adjustments:                                            Net loan discount accretion (b)      6,376         7,108          8,280          7,711          8,801       Net investment premium amortization (c)      (259)         (315)         (320)         (364)         (398)      Net purchase accounting accretion      6,117          6,793           7,960           7,347           8,403        Net interest income (TE) - core      $209,511          $202,834           $209,036           $204,089           $199,878        Average earning assets      $25,391,025         $25,106,283          $24,812,676          $24,487,426          $24,338,130       Net interest margin (TE) - reported      3.40  %       3.37   %       3.48   %       3.44   %       3.43   %    Net purchase accounting adjustments      0.09  %       0.11   %       0.13   %       0.12   %       0.14   %    Net interest margin (TE) - core       3.31  %       3.26   %        3.35   %        3.32   %        3.29   %                                                (a) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21% for the three months ended 3/31/2018 and 6/30/2018, and 35% for all other periods presented.                                             (b) Includes net loan discount accretion arising from business combinations.                                            (c) Includes net investment premium amortization arising from business combinations.                                            25 

 Appendix 

 Operating Earnings  See slides 22-25 for non-GAAP reconciliations  27            2Q17    3Q17    4Q17    1Q18    2Q18    Operating Earnings ($000)        59,169    66,307    74,969    78,257    83,663    Operating EPS       $0.68   $0.76   $0.86   $0.90   $0.96    Net Interest Income (TE) ($000)        208,281    211,436    216,996    209,627    215,628    Noninterest Inc excl non-op ($000)        67,487    67,115    69,688    67,397    68,832    Operating Expense excl non-op ($000)        172,853    166,223    168,063    164,938    168,597    Provision ($000)        14,951    13,040    14,986    12,253    8,891  

 Key Operating Ratios  See slides 22-25 for non-GAAP reconciliations  28            2Q17    3Q17    4Q17    1Q18    2Q18    Operating Return on Assets       0.89%  0.99%  1.10%  1.17%  1.22%   Operating Return on Equity       8.52%  9.27%  10.37%  11.05%  11.54%   Operating Return on TCE       12.11%  13.14%  14.62%  15.56%  16.12%   Tangible Common Equity Ratio       7.65%  7.80%  7.73%  7.80%  7.76%   Net Interest Margin (TE)       3.43%  3.44%  3.48%  3.37%  3.40%   Operating Efficiency Ratio       60.59%  57.50%  56.57%  57.51%  57.40% 

 Balance Sheet Summary  29            2Q17    3Q17    4Q17    1Q18    2Q18    Average Loans ($MM)        18,369    18,591    18,840    19,028    19,193    Average Total Securities ($MM)        5,242    5,680    5,801    5,897    6,032    Average Deposits ($MM)        20,933    21,350    21,763    22,043    22,101    Loan Yield (TE)       4.36%  4.39%  4.46%  4.43%  4.55%   Securities Yield (TE)       2.52%  2.48%  2.50%  2.46%  2.50%   Cost of Interest Bearing Dep       0.56%  0.64%  0.68%  0.78%  0.86% 

 Historical Energy Data  $s in millions  Energy Outstandings by Type  30 

 Energy Portfolio Support Services  31 

 Second Quarter 2018Earnings Conference Call  7/18/2018