Slide 1: Annual Meeting of Shareholders April 20, 2004
Annual Meeting of Shareholders April 20, 2004
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 in this presentation encompasses any estimate, prediction, expecta
Slide 3: 2003 Corporate Profile
2003 Corporate Profile Trustmark is an integrated provider of banking and financial solutions: $ 7.9 billion in total assets $ 427 million in revenue $ 118.5 million in net income 17.56% ROE 8.71% Equity to Assets 1.60% ROA Investment Ratings Moody's: A3 S&P: BBB+ Corporate Infrastructure: Over 145
Slide 4: Basic Earnings and Dividends Per Share
Financial Performance Basic Earnings and Dividends Per Share
Slide 5: Return on Average Equity
Financial Performance Return on Average Equity
Slide 6: Capital Management
Financial Performance Capital Management
Slide 7: Total Revenue ($ in thousands)
Financial Performance Total Revenue ($ in thousands)
Slide 8: 2003 Revenue by Line of Business
Financial Performance 2003 Revenue by Line of Business ($ in millions) Branch Non-Branch Mortgage Insurance Commercial Investment Treasury 12/31/2003 211.1 24.8 61.3 17.6 51.2 24.9 36.4 Consumer Branch $211.1 49.4% Mortgage $61.3 14.3% Insurance $17.6 4.1% Commercial $51.2 12.0% Wealth Management $2
Slide 9: Total Earning Asset Composition
Financial Performance Total Earning Asset Composition ($ in millions)
Slide 10: Trustmark regained #1 ranking in Deposit Market Share in Mississippi
Trustmark regained #1 ranking in Deposit Market Share in Mississippi Deposits 2003 2002 06/30/03 Market Share Market Share Trustmark $4.5 billion 13.73% 13.15% BancorpSouth 4.4 billion 13.43% 13.29% AmSouth 3.1 billion 9.29% 9.63% Union Planters 2.5 billion 7.49% 7.88% Hancock 2.1 billion 6.41% 6.43
Slide 11: Deposit Composition
Deposit Composition As of December 31, 2003 ($ in millions) CDs Non Interest Bearing DDAs Interest Bearing Transactions Savings 9/30/2003 1718 1329 1214 828 CDs 33.8% $1,718 Interest Bearing Transactions 23.8% $1,214 Savings 16.3% $828 Non Interest Bearing DDAs 26.1% $1,329 Total Deposits: $5,089
Slide 12: Strategic Accomplishments: Corporate Governance
Strategic Accomplishments Corporate Governance Corporate Governance Quotient ranks in 99th percentile according to Institutional Shareholder Services (ISS) Ranked 5th in the Russell 3000 as rated by ISS for Corporate Governance Compliance with Sarbanes-Oxley Act Successful re-audit by KPMG Selected
Slide 13: Strategic Accomplishments: Technology
Strategic Accomplishments Technology Credit Process Redesign Right sized loan operations staffing Implemented B2B for business loan originations and APPRO for consumer loan originations throughout Mississippi community banks Reaffirmed loan officer lending authority systemwide Transaction Image Arch
Slide 14: Strategic Accomplishments: Mergers and Acquisitions
Strategic Accomplishments Mergers and Acquisitions Entered Florida market with purchase of 7 Emerald Coast Bank offices serving markets from Destin to Panama City Purchased 5 Allied Houston Bank offices in Houston Positioned for potential significant transactions Revised charter and bylaws to provid
Slide 15: People you trust. Advice that works.
People you trust. Advice that works. Anaual Mating of Shareholders ‘spn 20,2004