Trustmark Corporation · NASDAQ:TRMK
Trustmark — 2003 Gulf South Bank Conference
28 slides from Trustmark's conference presentation, May 6, 2003
Slide 1: 2003 Gulf South Bank Conference
Exhibit 99.1 2003GULFSOUTHBANKCONFERENCE New Orleans, Louisiana May 6, 2003
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation may contain forward looking statements within the meaning of and pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. A forward looking statement encompasses any estimate, prediction, expectation, projection, opi
Slide 3: Company Vision and Mission
Company Vision and Mission OUR VISION..... is to be a premier financial services company in our marketplace. OUR MISSION..... is to achieve outstanding customer satisfaction by providing banking, investment and insurance solutions through superior sales and service, utilizing excellent people, teamw
Slide 4: 2002 Corporate Profile
Trustmark is an integrated provider of banking and financial solutions: $434 million in revenue $121 million in net income 17.93% ROE 9.52% Equity to Assets 1.77% ROA $1.5 billion market cap Investment Ratings: Moody's: A3, S&P: BBB+ Proven financial results 2002 Corporate Profile
Slide 5: Financial Performance
Financial Performance FINANCIALPERFORMANCE
Slide 6: Basic Earnings and Dividends Per Share
Financial Performance Basic Earnings and Dividends Per Share (TABLE)
Slide 7: Return on Average Equity
Financial Performance Return on Average Equity
Slide 8: Total Revenue
Financial Performance Total Revenue ($ in thousands) $277,429 $313,810 $344,345 $357,520 $398,894 $434,056 (TABLE) 26.5% 73.5% 27.7% 72.3% 29.6% 70.4% 34.8% 33.1% 32.7% 65.2% 66.9% 67.3%
Slide 9: Efficiency Ratio
Financial Performance Efficiency Ratio
Slide 10: Credit Quality
Financial Performance Credit Quality ($ in millions) Allowance for loan and lease losses (ALLL) Non-Performing Assets (NPA)
Slide 11: Net Income
Financial Performance Net Income ($ in millions) (TABLE)
Slide 12: Return on Average Assets
Financial Performance Return on Average Assets
Slide 13: Geographic Banking Franchise: Total Loans
Geographic Banking Franchise Total Loans as of December 31, 2002 ($ in millions) Total Loans $ 4,617 $2,215 $642 $314 $154 $1,292
Slide 14: Loan Composition
Loan Composition As of December 31, 2002 ($ in millions) $285 $1,331 $924 $200 $777 $833 $163 $104 Total Loans: $ 4,617
Slide 15: Geographic Banking Franchise: Total Deposits
$2,244 $665 $173 $1,604 Geographic Banking Franchise Total Deposits as of December 31, 2002 ($ in millions) Total Deposits: $ 4,686
Slide 16: Deposit Composition
$1,251 $942 $744 $1,749 Deposit Composition Total Deposits as of December 31, 2002 ($ in millions) Total Deposits: $ 4,686
Slide 17: 2002 Revenue by Line of Business
$25.5 $50.0 $207.6 $23.5 $51.0 $14.8 $61.6 Financial Performance 2002 Revenue by Line of Business ($ in millions) Total Revenue: $434 million
Slide 18: Nissan selected Mississippi for $930 million manufacturing facility
Nissan selected Mississippi for $930 million manufacturing facility in November 2000; announced $500 million expansion in June 2002 Construction of the 400,000 unit plant, located 15 miles north of Jackson, is on schedule with production to begin in spring 2003 Full-size truck, SUV, minivan and Alti
Slide 19: Economic Development: Nissan Motor Plant
Economic Development Nissan Motor Plant
Slide 20: Key Initiatives
KEYINITIATIVES
Slide 21: Corporate Governance Overview
Key Initiatives Corporate Governance Overview Enhanced Governance Structure Formal Division of Boards (2) Revised Committee Structure Developed Board and Committee Mission Statements Established Director Competencies and Accountabilities
Slide 22: Corporate Governance Structure
Key Initiatives Corporate Governance Structure
Slide 23: Branding
Key Initiatives Branding 7, Trustmark Banking and Financial Solutions People you trust. Advice that works.
Slide 24: Associate Development
Comprehensive redesign of compensation and benefits rewards strategy Redesign of training curriculum to include both classroom and web-based training Significant investment in Financial Services and Leadership education programs for associates Key Initiatives Associate Development
Slide 25: Credit Process Redesign
Credit Process Redesign Developed to enhance customer satisfaction, streamline credit processes, and support loan growth Installing new consumer and business origination and underwriting systems (B2B and Appro) Installing new loan documentation system (LaserPro) Check Image Capture and Archive Deliv
Slide 26: Key Initiatives: Technology
Key Initiatives Technology
Slide 27: Mergers and Acquisitions
Completion of Chandler-Sampson Insurance Agency Merger Focused expansion program in higher growth markets Key Initiatives Mergers and Acquisitions
Slide 28: Financial Contacts
Financial Contacts Zach Wasson 800-844-2000 (6816) Executive Vice President & 601-208-6816 Chief Financial Officer email: zwasson@trustmark.com fax: 601-208-7966 Joseph Rein 800-844-2000 (6898) First Vice President 601-208-6898 Corporate Planning email: jrein@trustmark.com fax: 601-208-7966