Slide 1: Trustmark: Banking and Financial Solutions
ZG Trustmark aS Banking and Financial Solutions April 29, 2014
Slide 2: Forward-Looking Statements
Forward-Looking Statements Certain statements contained in this document constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. You can identify forward-looking statements by words such as “may,” “hope,” “will,” “should,” “expect,” “plan,” “
Slide 3: At December 31, 2013
At December 31, 2013 Total Assets $11.8 billion Total Loans (HEI & Acquired) $6.6 billion Total Deposits $9.9 billion MarketCap $1.8 billion Banking Centers 208 NASDAQ TRMK £ ge Ht —_ 5 kL. & { i: loon Mobite p> a" Financial Results 2011-2012, 2013 pa $106.8 $117.3 $117.1 EPS - Diluted $166 $181 $1.
Slide 4: Key Investment Considerations
Key Investment Considerations Y Consistent financial performance and Y Diverse revenue base dividends > 78% of revenue from banking > 23.9% Total Shareholder Return in 2013 business across five states in 2013 > 22% of revenue from mortgage, > 52.9% Total Shareholder Return from 2009-2013 wealth mana
Slide 5: Consistent Financial Performance
Consistent Financial Performance Net Income Available to Common Shareholders Diluted EPS and Dividends Gpaliens) Diluted EPS mi Dividends $173 sua sist $100.6 Sues 5166 $157 $73.0 $1.26 0.2 $0.92 $0.92 2009 210 aon 212 2013 2009 210 ann 2012 2013 2013 operating results ©: Return on Average Tangible
Slide 6: Superior Profitability — Driven by strong Net Interest Margin and Efficiency Ratio
Superior Profitability — Driven by strong Net Interest Margin and Efficiency Ratio ROAA 2013 AverageROAA 2009 - 2013 105% 102% g.95% 9 1.14% 1.08% 986% 079% o79% ll | Net Interest Margin (FTE) 2013 Average Net Interest Margin (FTE) 2009 - 2013 092% 4.20% 420% sor 42% 570% a3 335% 331% 3.30% 2 | 311%
Slide 7: Financial Results — 1st Quarter 2014
Financial Results — 1** Quarter 2014 At March 31, 2014: Total Assets $12.1 billion Total Loans (HEI & Acquired) $6.7 billion Total Deposits $10.1 billion Market Cap $1.7 billion Banking Centers 209 Reported: 3-31-14 YTD Net Income $29.0 million EPS- Diluted $0.43 Dividends per Share $0.23 ROATE 12.9
Slide 8: Loans — Held for Investment (HFI)
Loans — Held for Investment (HFI) (Sinmillions) 20092010 201201220138 10-2014 a Construction, Land Development and Other Land Loans Dail Services 4 FamilyReidential All Other Loans Y Loans increased $125 million, or 8.8% annualized, in QU-44 Y Loans increased $160. million from 2009-2012 excluding i
Slide 9: Loans — Acquired
Loans — Acquired (Sin millions) $804 $746 134 ou. 2owz poreres Y Anticipate $150:million in runoff during remainder of 2014 V Expected yield on acquired loans in remainder of 2014 to be approximately 6.25% to 6.50%, excluding recoveries Acquired Loans at March 31, 2014 - $746 Construction, Other ‘an
Slide 10: Effective Credit Risk Management
Effective Credit Risk Management (Sinmillions) Nonaccrual Loans suai 10-2014 Continued improvementin credit quality In 2013: * Classified loans decreased $33 million, or 13% * Griticized loans decreased $71 million, or 22% Q1-14 compared to Q4-13: * Classified loans decreased $7.0 million, or 3.2% *
Slide 11: Attractive, Low-Cost Deposit Base
Attractive, Low-Cost Deposit Base $10,122 $7,188 E 2003 10-2014 113% 0.18% 2009 2010 2011 2012 2013 10-2014 a TRMK \aPeer Median (Compastor: Median ncledes the following companies: 1) EXS, 2) CFR, 3)FHN, 4) HBHC, )1BKC, ORF, 7)ST1anas)SNV (Peer intoonation not salable Total Deposits at March 31, 201
Slide 12: Lines of Business
Lines of Business Retail Banking New ATM fleet with deposit automation; same day credit for deposit made by 9 pm; deposit volume increased 800% Perform Referral Program — 80 thousand referrals...27 thousand new accounts...$40 million in loans, $125 million in deposits in 2013 Deposit market share -
Slide 13: Capital Management
Capital Management pa si ont 2012 ons 10-2008 Tangible common equity/t rible Y Capital base reflects consistent profitability through the cycle Lace one Y Capital Utilization: [Ef Tier teverage ratio [if Tiertcommonzisk-based capital * Supportorganic growth rato «Acquisitions to create additional gr
Slide 14: Strategic Priorities to Enhance Shareholder Value
Strategic Priorities to Enhance Shareholder Value V Profitable revenue generation > Create and expand customer relationships > Loan growth -comporate and real estate > Noninterest income — deposit services, wealth management, insurance > Business Development and Cross-selling Vv Process improvement
Slide 15: Times Square, New York
Times Square, New York Monday, yi S OF DEDICATiy = 7 jis YEAR PICAToy, a @ I) coMMITMENT, SUPPOR;, «| | | y GROWTH AND STABILITY,