Trustmark Corporation · NASDAQ:TRMK
Trustmark — Investor Presentation (February 2013)
24 slides from Trustmark's investor presentation, Feb 25, 2013
Slide 1: Investor Presentation
People you iB rustmark Banking and Financial Solutions Investor Presentation February 25, 2013
Slide 2: Forward-Looking Statements
Forward-Looking Statements @ TWustmark Certain statements contained in this dacurnent constitute forward-looking statements within the meaning of the Private Secutities Litigation Reform Act of 1995. You can identify forward-looking statements by words such as "ma nticipate, “estimate,” *predict,""p
Slide 3: Corporate Profile
Corporate Profile CZ Trustmark Trustmark is an integrated provider of banking and financial solutions At December 31, 2012 Total Assets $9.8 billion Total Loans «ri acaurea $5.7 billion Total Deposits $7.9 billion Market Cap $1.5 billion Banking Centers 170 Financial Results 2010 2011 2012 Net Incom
Slide 4: Investment Thesis
Investment Thesis x & %® RK & Proven ability to achieve superior profitability Stable and diversified business mix in attractive markets Effective credit risk management program Opportunities for profitable growth Focused on maximizing long-term shareholder value Positioned for Continued Success 4
Slide 5: Proven Ability to Achieve Superior Profitability
Proven Ability to Achieve Superior Profitability wa Trustmark ROAA 2012 Average ROAA 2008 - 2012 being ‘1.14% 1.13% i —t il i | aus | TRMK CFR ‘RF HBHC BXS IBKC FHN, DEES. ROATCE 2012 Average ROATCE 2008 - 2012 A340% 12.55% 11.78% 44 oa 12.72% 12.58% 7.68% 6.72% i smi!) CR TRMK RF HMC BxS BKC) FANE
Slide 6: Driven by Strong Net Interest Margin and Efficiency Ratio
...Driven by Strong Net Interest Margin @ TWustmark and Efficiency Ratio Net Interest Margin 2012 Average Net Interest Margin “ 2008 - 2012 4.48% athe 4.09% E 4.04% 4.00% 3.70% 361% 3.57% i 351% 3.40% 3.29% 3.28% 3.13% 3.11% 3.41% 9.90% HBHC BXS STI IBKC. FHN. RF HBHC TRMK BKC BXS_- CFR STL FHN. RF
Slide 7: Robust Capital Position
Robust Capital Position yZ Provides Strategic Flexibility Tustmaric v Continued leadership position in capital strength among mid-cap peers v Leverage capital with BancTrust merger and organic growth 2012 Peer TCE/TA (%) 2012 Peer Total Risk-Based Capital Ratio 17.22% 10.28% 15-88% 45.38% 15.11% 15.
Slide 8: Robust Capital Position and Attractive Dividend
Robust Capital Position UZA Trustmark and Attractive Dividend v Given quality and stability of earnings, Trustmark has increased its dividend over time and maintained it through the cycle Trustmark’s Annual Dividend Yield (%)” Dividend - Last 20 Years $1.00 90.92 4.10% $0.90 eg $0.80 $0.70 277% $0.6
Slide 9: Diversified and Stable Business Mix
Diversified and Stable Business Mix @ Tustmark Year to Date December 31, 2012 Total Revenue $516 Total Noninterest Income $175 Commercial and Real Wealth Management, $25 4% Insurance, $28 Florida, $27 Mortgage, $09 Treasury & Other, $13 Ms Community Banks, $110 Mortgage, S41 Central MS, Sus Fee Inco
Slide 10: Diversified Loan Portfolio
sified Loan Portfolio or Trustmark fiteae) ig oe Fuel eons Total Loans $5,726 yi December 31, 2012 ¥ Loan portfolio has transitioned (HFI and Acquired) through economic cycle Construction, _ ond sae In low rate, competitive development Consumer ee ‘andother Cqusuuer weal environment not all loan gro
Slide 11: Prudent Credit Risk Management
Prudent Credit Risk Management ($ in millions) ‘Banking and Financial Soitions Quarter Ended 121312011 3131/2012 6/30/2012 09/30/2012 12/31/2012 YOY% Change Nonaccrual Loans $1105 $1057 $997 $80.7 $82.4 24% Other Real Estate $79.1 $75.7 $73.7 $825 $78.2 AN% Nonperforming Assets $1895 $1815 $1734 $16
Slide 12: Attractive, Low Cost Core Deposit Base
Attractive, Low Cost Core Deposit Base ($ in milfions) Deposit Trends 7897 ; soana 78 spas S780 Total Deposits $7,897 ” December 31, 2012 Tine Nowtnteest Benring Dba, $2255 roe = 2009200 Interest-Bearing = Noninterest Bearing ssa Cost of Deposits | 0.48% 0.42% i” ie = Interest-Bearing Deposits Total
Slide 13: BancTrust Merger
77 Teustmark and Financial Soltons ¥ Transaction completed at close of business on February 15, 2013 ¥ 26-year-old bank holding company in Mobile, AL - 3 largest bank headquartered in state ¥ As of December 31, 2012 * $1.2 billion in loans * $17 billion in deposits * 40 offices in Alabama, 9 offices
Slide 14: Strategic Priorities to Enhance Trustmark Long-Term Shareholder Value
Strategic Priorities to Enhance Trustmark ‘Banking and Financial Soitions Long-Term Shareholder Value ¥ Broaden customer relationships v Optimize delivery of products and services v Manage risks effectively v Proactively manage balance sheet Y Streamline processes to increase productivity and effici
Slide 15: People you trust. Advice that works.
People you trust. Advice that works. iB Trustmark janking and Financial Solutions
Slide 16: Supplemental Information
Supplemental Information
Slide 17: Alabama Banking Centers and Market Share
ie 7 @ Banking center [Market 2011 [Deposits] Market | Rank ] TRMK Population! 000) | Share Banking Centers IMobile Market Mobile MSA auii7_ | $_a7o | 786% | 5 7 Daphne-Faithope MSA s6a48 | 75 | 2.35% | 11 3 Central and South Alabama (lop 5 Deposts) Montgomery MSA_|_ 377,676 20a | 350% | 9 8 [Selma
Slide 18: Florida Panhandle
Florida Panhandle > Acquired Bay Bank & Trust Co., Panama City, FL ingi12 > Trustmark has $405 million in loans and $414 million in deposits" > Completed BancTrust merger on 02/15/13 >» Cross-sell to Fisher Brown Bottrell commercial insurance customers > Focus on commercial lending and expansion of
Slide 19: Texas Market
bey eins + a0 agate ae Rreitl a =a <Paadenh Orr ec Lene uM we ean «| Sing DOF ond Steg tie beat a par pe da on eos aes Pe Sko hat? \ ty teri ot = ie hen wag “@ Banking center > > Trustmark has $813 million in loans and $444 million in deposits* Building stronger commercial, retail, and wealth manage
Slide 20: Mississippi Market
© Banking center >» Trustmark has $2.0 billion in loans and $3.7 billion in deposits* >» Maintain market dominance through cross-selling and retention x2 hod ‘al 2011-46 Projected Deposit TRMK 2011 Population Market Banking County Population Growth Share Centers Hinds 244,155 1.24% 38.75% 22 Rankin
Slide 21: Tennessee Market
> Trustmark has $368 million in loans and $672 million in deposits* >» Focus on middle market commercial and real estate lending = PG \ FT \ 7 Lf > ‘ Se Mon 2 @ 5 ong: is) le z od © roende a WesMerel Memphis = ea) 0 Cs _ ® wom oe ane Om ‘5 ry Co Mas @ Banking center 2011.46 Projected Deposit | TRMK
Slide 22: Community Investment and Involvement
v Trustmark makes significant investments in excess of $2.5 million annually to support the arts, economic development, education, health and social services in the communities we serve. v We have given our personal and company time to participate in more than 100 nonprofit programs designed to stre
Slide 23: Contact Information
Contact information CZ Trustmark ‘Banking and Financial Soitions Trustmark Corporation’s common stock is listed on the NASDAQ National Market System and is traded under the symbol TRMK. Additional information is available at www.trustmark.com. Investor Inquiries: Louis E. Greer Treasurer and Princip
Slide 24: People you trust. Advice that works.
People you trust. Advice that works. iB Trustmark janking and Financial Solutions