Trustmark Corporation · NASDAQ:TRMK
Trustmark — Raymond James Bank Conference 2011
23 slides from Trustmark's conference presentation, Aug 10, 2011
Slide 1: Raymond James Bank Conference
People you trust. Advice that works. iB rustmark Banking and Financial Solutions Raymond James Bank Conference Chicago, Illinois August 10, 2011
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 words such as “may,”
Slide 3: Trustmark is Uniquely Positioned to Capitalize on Market Opportunities
Trustmark is Uniquely Positioned to Capitalize Trustmark on Market Opportunities 0 “ae v Strong market share in legacy markets with growth potential in Houston and Memphis Y Diversified and stable business mix v Proven ability to generate superior profitability through the cycle Y Solid credit quali
Slide 4: Market Share in Legacy Markets
g Market Share in Legacy Markets wth Opportunities in Houston and.Memphis 77 Teustmark and Financial Soltons At June 30, 2011 People you trust. Advice that works. * Total Assets $9.7 billion * Total Loans $6.0 billion HFI and Covered Loans * Total Deposits $7.6 billion * Market Cap $1.5 billion ¢ Ba
Slide 5: Diversified and Stable Business Mix
Diversified and Stable Business Mix 7 Teustmark ‘Banking and Finanesal Solutions For The Year Ended December 31, 2010 ($ in millions) Total Revenue $518 Total Noninterest Income $166 AutoiCredit Card Sani Mart; 54 14 ervice ertatae § Treasury & Charges $55 Insurance $28 Other $81 General - bs Bankin
Slide 6: Proven Ability to Generate Superior Profitability
Proven Ability to Generate Superior Profitability ZG Aue ($ in miltions) Profitability and Key Ratios Net Income Available to Common Shareholders Return on Average Assets Return on Average Tangible Common Equity 292011 Return on Average Assets $26.2 $25.9 $25.2 $24.0 $31.6 113% 1.11% 1.07% 1.02% 132
Slide 7: Driven by Best in Class Net Interest Margin and Efficiency Ratio
... Driven by Best in Class Net Interest Margin and Efficiency Ratio CZ Trustmark Y Best inclass margin resulting from disciplined loan and deposit pricing and prudent investment portfolio management v Management’s focus on expense initiatives has translated into a top tier operating platform 22011
Slide 8: Balanced Loan Portfolio
ced Loan Portfolio or Trustmark ing and Financ Solutions Total Loans - HFl and Covered Loans $5,995 Commercial Loans $3,940 Consumer Loans $2,055 Balanced Loan Por
Slide 9: Prudent Credit Risk Management
Prudent Credit Risk Management June 30, 2011 "bang te Fnac So (Sin millions) ¥ During the last 12 months the Florida construction and land development portfolio was reduced by 36.1% to $11.1 million. At quarter end, the associated reserve on this portfolio was $12.4 million, or 11.2%. Y Allocation o
Slide 10: Dependable, Low Cost Core Funding Base
Dependable, Low Cost Core Funding Base EZ Trustmark June 30, 2011 ‘Banking and Financial Solutions (Sin millions) Total Deposits $7,632 Loans HFI / Deposits 120% 401 100% 2 Time $2,140 ha) = 30% ory 53 60% — + = 40% ‘Savings $344 20% o% Market $2,153 Fe 5 z = 8 = g FA 5 $1,191 e = Source: SH. Franca
Slide 11: Robust Capital Position Provides Strategic Flexibility
Robust Capital Position Provides Strategic Flexibility LZ J Trustmark Optimized capital structure; continued leadership position in capital strength among mid-cap peers Existing capital base could support $2 billion to $3 billion in additional assets while maintaining appropriate capital ratios. Q2-
Slide 12: Robust Capital Position and Attractive Dividend
Robust Capital Position and Attractive Dividend UZ Trustmark ‘Banking and Financial Soitions Y Given quality and stability of earnings, Trustmark has increased its dividend over time and maintained it through the cycle ¥ Trustmark is one of the 28 largest banks “ in the U.S. that maintained its divi
Slide 13: Heritage Banking Group Acquisition
Heritage Banking Group Acquisition F Treustmark Acquired from FDIC on April 1, 2011 90-year old financial institution headquartered in Carthage, MS #1 deposit market share in Leake County 8 branches, 4 of which were consolidated due to proximity to existing Trustmark offices At June 30, 2011, the ca
Slide 14: Slow recovery with continued uncertainty
Slow recovery with continued uncertainty Exceptionally low interest rates Continued elevation in credit costs Reg E and Durbin Amendment provide revenue headwinds Anticipate higher regulatory capital requirements Sluggish economic environment coupled with increased credit costs and reduced revenue f
Slide 15: Strategic Priorities
Strategic Priorities Trustmark ‘Banking and Finanesal Solutions ¥ Maintain fortress balance sheet and appropriate capital ratios v Support revenue growth opportunities with prudent investments v Seek acquisition opportunities to enhance long-term shareholder value ¥ Position organization for success
Slide 16: People you trust. Advice that works.
People you trust. Advice that works. iB Trustmark janking and Financial Solutions
Slide 17: Supplemental Information
Supplemental Information
Slide 18: Trustmark has $2.0 billion in loans and $3.6 billion in deposits
>» Trustmark has $2.0 billion in loans > . smal att a and $3.6 billion in deposits* Maintain market dominance through cross-selling and retention 2010-45 Projected Deposit TRMK 2010 Population Market Banking County Population Growth Share Centers Hinds 250,044 0.67% 40.58% 21 Rankin 146,177 9.82% 34
Slide 19: Trustmark has $780 million in loans and $455 million in deposits
> Trustmark has $780 million in loans and $455 million in deposits* >» Building stronger commercial, retail, and wealth management platforms fyustunilaat Suu 2010-45. Projected | Deposit | TRMK _ 2010 Population | Market | Banking Market | Population Growth | Share| Centers Houston MSA 8,017,013 10.
Slide 20: Trustmark has $363 million in loans and $640 million in deposits
Loo NNESSEE Ba cote uncon Wiokeliar ; r] Maver MARSHALL rhea MISSISSIP > Trustmark has $363 million in 2010-45 igs ¥ e Projected Deposit TRMK loans and $640 million in deposits* 2010 Population Market Banking . Market Population Growth Share Centers pe Rocusionmiddie!market Memphis MSA | 1,325,833 |
Slide 21: Florida Panhandle
Florida Panhandle Trustmark ‘Banking and Finanesal Solutions oe esate = ls . Le ct oa... moll ie ae , 2010-15 >» Trustmark has $407 million in loans oom Projected Deposit TRMK iis i itet Population Market Banking and $235 million in deposits County Population | Growth Share Centers » Cross-sell to F
Slide 22: Contact information
Contact information CZ Trustmark 77 aosieg and Financial Soh 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 Principal F
Slide 23: People you trust. Advice that works.
People you trust. Advice that works. iB Trustmark janking and Financial Solutions