Trustmark Corporation · NASDAQ:TRMK
Trustmark — KBW Regional Bank Conference 2008
19 slides from Trustmark's conference presentation, Feb 27, 2008
Slide 1: KBW Regional Bank Conference, Boston, February 27, 2008
KBW Regional Bank Conference Boston, Massachusetts February 27, 2008
Slide 2: Forward-Looking Statements
2 Certain statements contained in this document are not statements of historical fact and constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements relating to anticip
Slide 3: Profitability, Capital and Corporate Profile
3 Profitability Year Ended 2007 Capital December 31, 2007 Net Income $108.6 million Tangible Equity/Tangible Assets 6.94% ROATE 19.17% Tier 1 Leverage Ratio 7.86% ROA 1.23% Tier 1 Risk Based Capital 9.17% Basic EPS $1.88 Total Risk Based Capital 10.93% Corporate Profile As of December 31, 2007 is an
Slide 4: Reasons to Invest in Trustmark
4 Reasons to Invest in Trustmark Expanded presence in attractive growth markets Diversified business mix Liquid, well-positioned balance sheet Solid profitability metrics Strong capital base Conservative credit culture Positioned for growth and profitability
Slide 5: Jackson market: banking centers and deposit share
5 County 2007 Population 2007-12 Projected Population Growth Deposit Market Share ++ TRMK Banking Centers Hinds 251,503 0.43% 43.44% Rankin 137,744 13.15% 31.10% Madison 91,779 15.84% 27.98% TOTAL 481,026 7.01% 37.70% + As of 12/31/2007 ++ As of 6/30/2007 Source: SNL Financial and ESRI Future bankin
Slide 6: Houston market overview
6 has 15 banking centers with $825 million in loans and $625 million in deposits + Building stronger Commercial, Retail, and Wealth Management platforms Focus on middle market commercial and real estate lending New banking center to open in 2008 County 2007 Population 2007-12 Projected Population Gr
Slide 7: Memphis market overview
7 has $485 million in loans and $698 million in deposits + Focus on middle market commercial and real estate lending New banking center to open in 2008 2007 Population 2007-12 Projected Population Growth Deposit Market Share ++ TRMK Banking Centers Memphis MSA 1,307,699 5.83% 2.54% + As of 12/31/200
Slide 8: Southern Region
Southern Region a Trustmark has $736 million in loans and $1.5 billion in deposits* = Focus on middle market commercial and real estate lending @ Future banking center ®@ Existing banking center = New banking center to open in Biloxi in 2008 Hattiesburg 121,602 6.34% | 13.92% T MS Gulf Coast 354,721
Slide 9: Florida Panhandle market overview
9 has $713 million in loans and $227 million in deposits + Cross-sell to Fisher- Brown’s commercial insurance customers Focus on commercial lending Expand Wealth Management New banking center in Panama City to open in 2008 County 2007 Population 2007-12 Projected Population Growth Deposit Market Sha
Slide 10: Corporation Loans, December 31, 2007
($ in billions) Corporation Loans December 31, 2007
Slide 11: Loan Composition, December 31, 2007
69% 24% 4% 10% 12% 9% 17% 15% 18% 2% 19% ($ in millions) By Type By Region * Mississippi loans include centrally underwritten mortgage, indirect auto and credit cards. Loan Composition December 31, 2007
Slide 12: Corporation Credit Quality Trends
($ in millions) Corporation Credit Quality Trends
Slide 13: Construction and Land Development Loans
39% 21% 30% Construction and Land Development December 31, 2007 32% 19% 10% 19% 12% 18% ($ in millions )
Slide 14: Florida Loans, December 31, 2007
26% 13% 35% 15% ($ in millions) Total Loans by Type $713 million 54% 4% 3% 12% 13% 25% Construction and Land Development $386 million Florida Loans December 31, 2007
Slide 15: Corporation Deposits, December 31, 2007
38% 73% 3% 9% 4% 22% 15% By Type By Region 14% 22% ($ in billions) Corporation Deposits December 31, 2007
Slide 16: 2007 Revenue and Noninterest Income Composition
66% 49% ($ in millions) Fee Income to Total Revenue 35.0% Total Noninterest Income $162 Million Total Revenue $463 Million 9% 6% 8% 7% 4% 6% 7% 22% 16% Corporation 2007 Revenue and Noninterest Income Composition
Slide 17: Strategic Focus
17 Strategic Focus Manage Florida residential loan portfolio Realign and reinvest in retail banking centers Invest in technology with new deposit system Aggressive business development program Preserve and grow tangible equity Enhance long-term shareholder value
Slide 18: Trustmark: Advice that works
works. Advice that I 7) ~ ~ 8 = SI < XL = = S$ Q incial Solutions king and Fin: Y Trustmark
Slide 19: Contact Information
19 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 Financial Officer 601-208-2310 lgreer@trustmark.com Joseph Rein Firs