Trustmark Corporation · NASDAQ:TRMK
Trustmark — Gulf South Bank Conference 2008
20 slides from Trustmark's conference presentation, Apr 30, 2008
Slide 1: Trustmark: Banking and Financial Solutions
rustmark Banking and Financial Solutions Gulf South Bank Conference New Orleans, LA April 30, 2008
Slide 2: Forward-Looking Statements
Forward-Looking Statements Certain statements contained in this docurnent are not statements of historical fact and constitute forward-looking staternents within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking staternents include, but are not limited ta, st
Slide 3: Corporate Profile
Corporate Profile Trustmark is an integrated As of March 31, 2008 | ‘OKLAHOMA, j provider of banking and financial solutions = $9.1 billion in total assets ARKANSAS = Serving Florida, Mississippi, Tennessee and Texas ALABAMA \ = 150 Banking Centers = 2,600 Associates = Investment Ratings *Moody’s 3
Slide 4: Reasons to Invest in Trustmark
Reasons to Invest in Trustmark = Diversified business mix in attractive markets = Liquid, well-positioned balance sheet = Solid profitability metrics = Strong capital base = Positioned for growth and profitability
Slide 5: 2007 Revenue and Noninterest Income Composition
Trustmark Corporation 2007 Revenue and Noninterest Income Composition (8 in miltons) Total Revenue Total Noninterest Income $463 Million $162 Million Mortgage Insurance Weatth $36 “ Auto.Credit Mongoment Management Card $40 oe $30 other $18 Insurance 22% $35 ‘Mortgage $12 Commercial — Other $10 Comm
Slide 6: Jackson
Jackson = Trustmark has $2.0 n in loans and $3.3 billion in deposits* a M dominance by focusing tain market on cross-selling and reten' = New banking center to open in 2008 Hinds Bis) 0K] 44 20 Fark ror) —taasn | at. 10% i Wadison suri) 16000 27 ay» 2) , sreslapense TOTAL 481,026 7.01% 37.70% 39 a a
Slide 7: Houston
diseriy Houston Trustmark has 15 banking centers with $856 million in loans and $661 mil ion in deposits* %~ *' Building stronger Commercial, Retail, and Wealth Management platforms Five new banking centers Future banking center Existing Banking center opened during last 18 2007-12 Projected | Depos
Slide 8: Memphis
Memphis = Trustmark has $478 loans and $690 million in deposits* = Focus on middle market commercial and real estate lending = Two new Banking Centers a opened in the last year wississip 1 Existing banking center As of 2191/2008 ai Ae ot 6/30/2007 souroes SNL Finaneral fand ESR! Memphis MSA
Slide 9: Southern Region
Southern Region = Trustmark has $741 million in loans and $1.6 billion in deposits* a Focus on middle market commercial and real estate : Future banking center lending I Existing banking center = New banking center to open in Biloxi in 2008 Hattiesburg 121,602 6.34% | 13.92% 7 MS Gulf Coast 364,721
Slide 10: Florida Panhandle
~patogen | Florida Panhandle _—*~—- = Trustmark has $693 million in loans and $270 mil deposits* = Cross-sell to Fisher- Brown’s commercial insurance customers 1 Future banking center Existing banking center a Focus on commercial lending 2007-12 Projected | Deposit | _TRMK = Expand Wealth 2007 Piage
Slide 11: Trustmark Corporation Loans
Trustmark Corporation Loans Period Ended (exciuding HFS) @ inbitions) $8.0 $7.0 $6.0 $5.0 $4.0 es a 2001 2002 2003 2004 2005 = 2006 2007 308
Slide 12: Diversified Loan Composition
Diversified Loan Composition March 31, 2008 (3 in mittions) Vezzsppi (Cereal Temezsee (erp “Truster Corporation sand Soubem | TN/ Norther MS “ol Lane fasta ions eg Twsae Tat Tat Tal Ta Tat loan loan loan loan loan loan Type ste |_s tye |_s tye |_s te | 8 type nsvuaton andlanddevebprert [S17 — r93}$—
Slide 13: Deposits by Type and Region
Trustmark Corporation By Type March 31, 2008 Deposits vet Period Ended 5 @ inbitiong Time $28 pS = ierest cheeking a7 Money Sauings Market $12 03 By Region ‘March 31, 2008 Fonds $02 Tennessee [ $4 Texasso7 2001 002-2003 NM 2005 2006 OT 388 Mississipgt $2
Slide 14: Strategic Focus
Strategic Focus = Manage Florida residential loan portfolio = Devote resources to grow Houston franchise = Realign and reinvest in retail banking centers = Invest in technology with new deposit system = Aggressive business development program = Preserve and grow tangible equity
Slide 15: People you can trust, advice you can count on
People you Advic rustmark Banking and Financial Solutions
Slide 16: Supplemental Information
Supplemental Information
Slide 17: Construction and Land Development
Construction and Land Development March 31, 2008 (8 in milions) Total Construction Meztsipi | Temnezsee Land and (Central and |eMemphis, TN Development Southern | Northern MS Loans Florida Regions Region Texas or of % of % of % of Total Loan Loan Loan Loan Loan Type s__toans|_s__tye| tye] 8 twoe| 5
Slide 18: Florida Loans
Florida Loans March 31, 2008 (8 in miltons) wa Loan Type s_| tome For Eonetvefon and and development 3 iy ssa Constucton Lend and Development 3_| toss secured by 1-4 family recent 95] 30%) bcs oH] 246% Secured by mortar none ident 20] 280%] [Development s2| 14.0% ther real ectate secured 12] 18%] |u
Slide 19: Credit Quality Trends
Trustmark Corporation Credit Quality Trends (8 n mations) Periods Ended 2000 [ 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | a1-2008 TotalLoans (icuding Held | $4.44 | $4524 | saet7 | g504¢ | ssa7r | soo60 | seesa | grace | $7210 for Sale) ‘Allowance for Loan ancl sess | srss | sre | eras | seas
Slide 20: People you can trust, advice you can count on
People you Advic rustmark Banking and Financial Solutions