Hanco*ck Whitney Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Hanco*ck Whitney Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Hanco*ck Whitney Bank | U.S. Bank Average |
|---|---|
| 1.79% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned)with its tangible common equity and its loan loss reserves.A lower Texas ratio indicates better coverage of problem loans.The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bankhas to absorb its loan losses.
As of December 31, 2024,Hanco*ck Whitney Bank had $68,645,000 in non-current loans and $3,376,000 in owned real estate.To cover these potential losses it had $3,712,718,000 in equity and $307,907,000 in loans loss reserves.That gives it a Texas Ratio of 1.79%.
Return on Equity
| Hanco*ck Whitney Bank | U.S. Bank Average |
|---|---|
| 11.54% | 12.20% |
Hanco*ck Whitney Bank has a Return on Equity of 11.54% versus the BestCashCow average of 12.20%.Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run.A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Hanco*ck Whitney Bank | U.S. Bank Average |
|---|---|
| 10.43% | 10.76% |
Hanco*ck Whitney Bank has a Capitalization of 10.43% versus the BestCashCow average of 10.76.Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet.The higher the capitalization number the more secure a bank is considered.
Hanco*ck Whitney Bank Balance Sheet Analysis
As of December 31, 2023,Hanco*ck Whitney Bank had assets of $35,580,052,000, loans of $23,640,206,000, and deposits of $29,948,878,000.Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets.Loan and asset growth may rise or fall depending on a bank's strategy for growth.Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending.A big change in these figured can also be from a bank acquisition or merger.
