Trustmark Corporation · NASDAQ:TRMK
Trustmark — WZ, Gulf South Bank Conference (May 2013)
23 slides from Trustmark's conference presentation, May 14, 2013
Slide 1: Trustmark: Building a Premier Regional Financial Services Organization
Trustmark New Orleans, Louisiana Banking and Financial Solutions May 14, 2013 WZ, Gulf South Bank Conference Building a Premier Regional Financial Services Organization
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: Corporate Profile
Corporate Profile At December 31, 2012 Total Assets $9.8 billion Total Loans (HEI & Acquired) $5.7 billion Total Deposits $7.9 billion Market Cap $1.5 billion Banking Centers 170 Financial Results 2010 2011 2012 Net Income cmon) $100.6 $106.8 $117.3 EPS - Diluted $1.57 $1.66 $1.81 Dividends per shar
Slide 4: Investment Thesis
Investment Thesis Proven ability to achieve superior profitability Effective credit risk management program Diversified business mix in attractive markets Significant opportunities for profitable growth a a a Committed to enhancing long-term shareholder value
Slide 5: Proven Ability to Achieve Superior Profitability
Proven Ability to Achieve Superior Profitability ROAA 2012 120% 410% 113% osx oa0% | | 065% osx — TAK GR stl ORF HBHC. BS. IBKC FIN na Average ROAA 2008 - 2012 I | i dos tal 1BKC -HBHC —BXS a] 0.44% 0.86% ROATCE 2012 14.47% sT)CFR)OTRMK RF HBHC BX. BKC. ‘Source: SNL Financial and company reports Ave
Slide 6: Driven by Strong Net Interest Margin and Efficiency Ratio
...Driven by Strong Net Interest Margin and Efficiency Ratio Net Interest Margin 2012 448% 4.09% 361% 357% 351% 5.40% 3.83% 3.11% HBHC TRMK = IBKC | BXS)CFR)— STIS FHN. RF Average NetInterest Margin" 2008 - 2012 420% 4.04% 4.08% my 3.70% TRMK CFR HBHC BXS)—STI_IBKC.) FN RF. Efficiency Ratio 2012 sti
Slide 7: Effective Credit Risk Management
Effective Credit Risk Management Quarter Ended 12/2011 3/2012 6/2012 9/2012 12/2012 YOY Change Nonaccrual Loans $110.5 $105.7 = $997 = $80.7 $824 -25.4% Other Real Estate $791 $75.7 $737 $82.5 $78.2 A1% Nonperforming Assets $189.5 $181.5 $1734 $163.1 $160.6 15.3% Nonperforming Assets/Total Loans inc
Slide 8: Strong Capital Base
Strong Capital Base v Capital base reflects profitability through the cycle Y Capital Utilization: = Supportorganic growth = Acquisitions to create additional growth opportunities = Cash dividends 2012 Peer TCE/TA(%) 2012 Peer Total Risk-Based Capital Ratio 10.28% 17.22% 594% 45.38% a5.a1%6 883% 8.7
Slide 9: Diversified Business Mix in Attractive Markets
Diversified Business Mix in Attractive Markets December 31, 2012 YTD Total Revenue $516 Total Noninterest Income $175 $ in millions $ in millions Wealth . Insurance, Dy, 928 MS Comnmutity Service Charges, $50 Banks, $110 Fee Income to Total Revenue 33.9%
Slide 10: Significant Opportunities for Profitable Growth
Significant Opportunities for Profitable Growth BancTrust Merger ¥ Ability to deliver Trustmark’s full suite of banking, mortgage banking, wealth y ‘ Transaction completed February 15,2018 management and insurance services to new Y 3* largest bankheadquartered in markets Alabama Y Completed successf
Slide 11: Financial Results — 1st Quarter 2013
Financial Results — 1° Quarter 2013 At March 31, 2013: Total Assets $11.9 billion Total Loans (HFI & Acquired) $6.5 billion Total Deposits $9.9 billion Market Cap $1.7 billion Banking Centers 220 Reporte 3-31-13 YTD Net Income $24.9 million EPS - Diluted $0.38 Dividends per Share $0.23 ROATCE 10.82%
Slide 12: Diversified Loan Portfolio
Diversified Loan Portfolio Y Loan portfolio has transitioned through economic cycle v In low rate, competitive environment not all loan growth improves profitability Vv Remain disciplined in credit process and pricing v Capacity, ability and desire to increase exposure to certain asset classes as ma
Slide 13: Attractive, Low-Cost Deposit Base
Attractive, Low-Cost Deposit Base Trustmark Deposit Trends $9,909 $7,897 s6a24 $7188 «$7,085 2010 "= InterestBearing _™Noninterest Bearing Cost of Interest-Bearing Deposits 10-2013 0.54% 0.47% 0.38% 0.35% 0.30% 0.26% 0.27% u i | | CFR ORF HBHCTRMK = STI_— FN. IBKC.— XS. ‘Source: SNL Financial and co
Slide 14: Strategic Priorities to Enhance Shareholder Value
Strategic Priorities to Enhance Shareholder Value Y Create and expand customer relationships Optimize delivery of products and services Streamline processes to increase productivity and efficiency Manage risks effectively “SS SN Proactively manage balance sheet
Slide 15: Trustmark Banking and Financial Solutions
ZG Trustmark Banking and Financial Solutions
Slide 16: Supplemental Information
ZG Trustmark Banking and Financial Solutions Supplemental Information
Slide 17: Mississippi
Mississippi > $6.7 billion in deposits* > Maintain marketdominance through cross-selling and retention nace a2 | sedeiea | Deveatse | Depot | TRMK CToptO Dept) | Popeion | option | Gmiom | Mattei | Banking Cotustus MSA | ee 085 sis E w& Trustmark
Slide 18: Alabama
Alabama v Completed BancTrust merger on 02/15/13 $1.5 billion in deposits* Deliver full suite of products to these new markets 2012-17 | Deposits-+ Masket moo | riod REP stat | RM opaaton |Popaston|©™°)| ‘Shave | Banking Growth [Mobile Market aithop. [Central and South Alabama {Top5 Deposits) Montgo
Slide 19: Florida Panhandle
Florida Panhandle > $606 million in deposits* > Cross-sell to Fisher Brown Bottrell commercial insurance customers > Focus on commercial lending and expansion of wealth management ma me |) 22 Popa | pee | oe Market | pati mee millions) | Market | Banking cae ee Misiet | Banking ce = Lal ‘County 55,8
Slide 20: Houston MSA
Houston MSA > $423 million in deposits* > Focus on commercial lending and treasury management amar sow | Depoat | TRUK 2012 Projected | Depositsrs | DeP' 5 Matiet | population | Popaston | ration) | Meet | Banking ener tea" | sussa | same ozs | ts +As 12 Source: TRMK Reports ++ As of ‘Source: SNL Fi
Slide 21: Memphis MSA
Memphis MSA > $679 million in deposits* > Focus on middle market commercial and real estate lending 2012 . projec | Dopontees | Dep Marttt | acraaton | reeked, | Gmilions | Maret | naming mee Memphis MSA 1,323,471 2.16% $671 2.92% 22 ++As of 0881/2013 Source: TRMK Reports ‘++ Ast 890/2012 Source: SN
Slide 22: Community Involvement
Community Involvement Leadership by Example * Trustmark makes significant investments, in excess of $2.5 million annually, to supportthe arts, economic development, education, health and social services in the communities we serve. * Trustmark participates in more than 100 nonprofit programs designe
Slide 23: Contact Information
Contact Information 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. InvestorInquiries: Louis E.Greer Treasurer and Principal Financial Officer 601-208-2310 lgreer@trustm
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