Trustmark Corporation · NASDAQ:TRMK
Trustmark — Sandler O'Neill + Partners East Coast Financial Services Conference 2011
23 slides from Trustmark's conference presentation, Nov 10, 2011
Slide 1: People you trust. Advice that works.
People you trust. Advice that works. iB rustmark Banking and Financial Solutions Sandler O’Neill + Partners, L.P. East Coast Financial Services Conference Turnberry Isle Miami, Aventura, Florida November 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 on Market Opportunities Y Diversified and stable business mix ¥ Proven ability to generate superior profitability through the cycle ¥ Solid credit quality as a result of diligent credit risk management ¥ Robust capital position provides strategic flexib
Slide 4: Market Share in Legacy Markets
g Market Share in Legacy Markets or Trustmark ing and Financ Solutions At September 30, 2017 People you trust. Advice that works. * Total Assets $9.7 billion * Total Loans $5.7 billion HFI and Covered Loans * Total Deposits $7.6 billion * Market Cap $1.2 billion ¢ Banking Centers 150 Oklahoma Financ
Slide 5: Diversified and Stable Business Mix
Diversified and Stable Business Mix 7 Teustmark ‘Banking and Finanesal Solutions Year to Date September 30, 2011 (8 in millions) Total Revenue $387 Total Noninterest Income $127 Auto/Credit Service T & Mortgage $38 = Card $8 omeneit Charges $38 General Insurance $21 seer e Banking $29 Wealth Managem
Slide 6: Proven Ability to Generate Superior Profitability
Proven Ability to Generate Superior Profitability ZG Trustmark ($ in miltions) Profitability and Key Ratios Q3-10 94-10 O11 02-14 3-14 Net Income Available to Common Shareholders $25.9 $25.2 $24.0 $316 $27.0 Return on Average Assets 111% 107% 102% 132% 112% Return on Average Tangible Common Equity 1
Slide 7: Driven by Strong Net Interest Margin and Efficiency Ratio
... Driven by Strong Net Interest Margin and Efficiency Ratio CZ Trustmark Y Solid 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 32011 Net Interest M
Slide 8: Balanced Loan Portfolio
ced Loan Portfolio or Trustmark nber 30, 2011 ag SF eons Total Loans - HFl and Covered Loans $5,863 Commercial Loans $3,910 Consumer Loans $1,952 Balanced Loan Por
Slide 9: Loan Portfolio Trends
Loan Portfolio Trends @ Tustmark ‘Banking and Financial Soitions (8 in billions) Since Year End 2007: $8 $7 ¥ Planned run-off of construction and land development loans of $710 Million $6 is Y Exited Indirect Auto Business with Se a a portfolio down $767 million. 86 | | Y All other loans increased $
Slide 10: Prudent Credit Risk Management
Prudent Credit Risk Management wa Y? Trustmark ‘Banking and Financial Ste ($ in millions) Quarter Ended ggono §=— 1231/10 «38111 i301) (91301 Nonaccrual Loans $159.3 $142.9 $126.8 $121.0 $99.6 Other Real Estate $84.7 $86.7 $89.2 $90.0 $89.6 Nonperforming Assets $244.0 $229.6 $216.0 $211.0 $189.2 Non
Slide 11: Dependable, Low Cost Core Funding Base
Dependable, Low Cost Core Funding Base eZ Trustmark September 30, 2011 ‘Banking and Financial Solutions (Sin millions) Total Deposits $7,570 Cost of Deposits PEDEREELE oe | 201004 201193 InterestbearingDeposits = Total Deposits Source: SH. Franca and company reports Dependable, Low Cost Core Funding
Slide 12: Robust Capital Position Provides Strategic Flexibility
Robust Capital Position w& Provides Strategic Flexibility 7 meter 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. Q3-10 Q
Slide 13: Robust Capital Position and Attractive Dividend
Robust Capital Position and Attractive Dividend UZ Aue 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 dividend since September 2007 3Q2011 Tangi
Slide 14: Heritage Banking Group Acquisition
Heritage Banking Group Acquisition @ Tustmark and Financial Soltons ¥ Acquired from FDIC on April 15, 2011 Okiahoma ¥ 90-year old financial institution headquartered in Carthage, MS V #1 deposit market share in Leake County Y 8 branches, 4 of which were consolidated due to proximity to existing Trus
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% 38.24% 22 Rankin 146,177 9.82% 37
Slide 19: Houston Banking Center
Hi Banking center > Trustmark has $763 million in loans and $456 million in deposits* Building stronger commercial, retail, and wealth management platforms 2010-45. Projected | Deposit | TRMK 2010 Population | Market | Banking | Market | Population Growth | Share| Centers Houston MSA 8,017,013 10.46
Slide 20: Memphis
Loo NNESSEE Ba cote uncon Wiokeliar ; r] Maver MARSHALL rhea MISSISSIP > Trustmark has $357 million in 2010-45 igs ¥ e Projected Deposit TRMK loans and $648 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 $375 million in loans oom Projected Deposit TRMK iis i itet Population Market Banking and $231 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
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