Banning users instantly seems a bit extreme, what if the user posts it in error? For example if they post "Hancock" and they get instantly suspended. They don't have a way of refuting the ban.
Personally, I feel that you should never use a computer system to do your moderation for you, the one thing computers don't have is discretion. Admins & Moderators can read the comments in the context they were posted in and make a judgement, a computer just sees the word and goes, whack! The user may have said it by accident or maybe they were provoked.
Use the "Censor Words" option to prevent the words from being displayed.
I know this probably wasn't much help but just thought I would say.
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