Slide 1: Annual Shareholders' Meeting
People you trust. Advice that works. iB rustmark Banking and Financial Solutions Annual Shareholders’ Meeting Jackson, Mississippi May 8, 2012
Slide 2: Forward-Looking Statements
Forward-Looking Statements UZ Trustmark ‘Banking and Financial Soitions Certain statements contained in this dacument constitute forward-looking statements within the meaning of the Private Secutities Litigation Reform Act of 1995. You can identify forward-looking statements by wards such as “may,”
Slide 3: Corporate Profile
Corporate Profile CZ Trustmar Trustmark is an integrated provider of banking and financial solutions At March 31, 2012 Total Assets $9.9 billion Total Loans wriacqurey $5.9 billion Total Deposits $8.1 billion Market Cap $1.6 billion Banking Centers 170 Financial Results 2010 2011 1-12 Net Income ¢wi
Slide 4: Investment Thesis
Investment Thesis ¥ Proven ability to achieve superior profitability ¥ Stable and diversified business mix in attractive markets v Effective credit risk management program ¥ Opportunities for growth — organic and via disciplined M&A ¥ Robust capital position provides strategic flexibility ¥ Focused
Slide 5: Proven Ability to Achieve Superior Profitability
Proven Ability to Achieve Superior Profitability w Trustmark ROAA Q1-12 1.25 1.23% 0.70% 0.66% 0.64% 0.59% 9.53% i | HT 0.39% TRMK CFR BXS IBKC RF STI l l HBHC Average ROAA 2007 - 2011 1.33% 1.08% 1.02% 9 g9y, I ah i CFR TRMK IBKC HBHC L st. FAN OR 0.20% | 0.85% 1.39% ROATCE Q1-12 13.86% 15 4404 8.6
Slide 6: Driven by Strong Net Interest Margin and Efficiency Ratio
...Driven by Strong Net Interest Margin and Efficiency Ratio Net Interest Margin Q1-12 4.41% CZ Trustmark 419% Average Net Interest Margin 2007 - 2011 3.64% 3.64% 3.61% 3.47% 3.46% 4.28% 4.17% 3.98% 5 294, 3.43% 3.11% 3.07% 3.23% 3.19% 3.08% 3.05% HBHC TRMK CFR BXS IBKC STI SNV FHN RF Efficiency Rat
Slide 7: Diversified and Stable Business Mix
Diversified and Stable Business Mi. EZ Trustmark ‘Banking and Financial Soitions Year to Date December 31, 2011 Total Revenue $509 Total Noninterest Income $160 Treasury & Wealth Other $49 Management $28 Mortgage Insurance $27 $27. Auto & Credit Card $11 Panhandle, Memphis, Insurance TN $27 Houston,
Slide 8: Diversified Loan Portfolio
ersified Loan Portfolio Dr ZY? Trustmark ing and Financ Solutions (Sin mittions) construction and land development and indirect auto portfolios, loans increased $283.0 million in 2010 and $98.9 million in 2011. Total Loans $5,950 (HEI and Acquired) March 31, 2012 Other ae Construction, Consumer RE 6
Slide 9: Prudent Credit Risk Management
Prudent Credit Risk Management @ Tustmark ($ in millions) Quarter Ended YOY % 313112011 6/30/2011 _9/30/2011_12/31/2011_ 3/31/2012 Change Nonaccrual Loans $1268 $1210 $996 $1105 $105.7 = 16.6% Other Real Estate $89.2 $90.0 $89.6 $79.1 $75.7 15.1% Nonperforming Assets $2160 $2110 $1892 $1895 $1815 15
Slide 10: Attractive, Low Cost Core Deposit Base
Attractive, Low Cost Core Deposit Base @ TWustmark ($ in millions) Deposit Trends $7,566 $8,091 $6,869 $6,824 $7188 $7,045 2007 = 2008 «= 2009S 2010-2011 1-12 Interest Bearing _jNoninterest Bearing 1Q 2012 Cost of Interest Bearing Deposits (%) 0.72% 0.73% 0.74% 0.50% 0-52% 0.52% 0.55% 0.41% 0.18% Ul
Slide 11: Robust Capital Position and Attractive Dividend
Robust Capital Position and Attractive Dividend g@ Trustmark Y Given quality and stability of eamings, Trustmark has increased its dividend over time and maintained it through the cycle Trustmark’s Annual Dividend Yield (%) Dividend - Last 20 Years “ $0.92 3.68% $0.90 soso $0.70 soso $050 $0.40 soso
Slide 12: Robust Capital Position Provides Strategic Flexibility
Robust Capital Position Provides Strategic Flexibility CZ Trustmark ¥ Continued leadership position in capital strength among mid-cap peers Y Existing capital base could support $2 billion to $3 billion in additional assets while maintaining appropriate capital ratios. Q1-12 Peer TCE/TA (%) Q1-12 Pe
Slide 13: Capital Management Philosophy
Capital Management Philosophy Capital Utilization Organic Growth * Support asset growth opportunities as economy improves * Continue to provide attractive and secure dividends * Investments to support revenue growth Capital \ a . | Management «Invest in existing business to further \ | enhance fee i
Slide 14: Mergers and Acquisitions
Mergers and Acquisitions @ TWustmark Heritage Banking Group - Carthage, MS ¥ Acquired from FDIC on April 15, 2011 ¥ #1 deposit market share in Leake County, 8 branches, 4 of which were consolidated into existing TRMK Offices ¥ At acquisition, fair value of loans and deposits of $107.4 million and $2
Slide 15: Trustmark community investments and volunteer support
v Trustmark has made significant investments in excess of $2.0 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 80 nonprofit programs designed to st
Slide 16: Strategic Priorities to Enhance Long-Term Shareholder Value
Strategic Priorities to Enhance Long-Term Shareholder Value v Expand revenue base Y Sustain credit quality improvement ¥ Enhance competitive position v Capitalize on merger and acquisition opportunities Y Position for changing regulatory environment Y Prudent capital management Priorities in 2042 16
Slide 17: People you trust. Advice that works.
People you trust. Advice that works. iB Trustmark janking and Financial Solutions
Slide 18: 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