Hancock Whitney (HWC) - 2024 Q1 - Earnings Call Presentation

*Non-GAAP measure: see appendix for non-GAAP reconciliation **Most recent quarter-end regulatory capital ratios preliminary until finalization of our regulatory filings ► Increase in mortgage loans driven by one-time close product, which convert from construction to mortgage upon construction completion 38.3% 39.9% 41.4% 42.7%41.6%40.9% 40.9% 41.3% 35.0% 40.0% 45.0% 50.0% 1Q212Q213Q214Q211Q222Q223Q224Q221Q232Q233Q234Q231Q24 ►Conservative underwriting in both type and structure – Diverse industry concentrati ...