Trustmark Corporation · NASDAQ:TRMK
Trustmark — Mississippi Society of Financial Analysts, May 25, 2004
15 slides from Trustmark's conference presentation, May 25, 2004
Slide 1: Mississippi Society of Financial Analysts May 25, 2004
Mississippi Society of Financial Analysts May 25, 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: Financial Performance: Return on Average Equity
Financial Performance Return on Average Equity
Slide 5: Financial Performance: Capital Management
Financial Performance Capital Management
Slide 6: Financial Performance: Total Revenue
Financial Performance Total Revenue ($ in thousands)
Slide 7: Financial Performance: 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 $2
Slide 8: Financial Performance: Total Earning Asset Composition
Financial Performance Total Earning Asset Composition ($ in millions)
Slide 9: Loan Composition
Loan Composition As of December 31, 2003 ($ in millions) Commercial & Industrial Consumer State/Political Subs Other Construction 1-4 Family Non Farm-Non Residential Loans Held for Sale 12/31/2003 787 787 173 87 406 1664 1016 113 Consumer 15.7% $788 Other 1.7% $87 Construction 8.1% $406 Non Farm - N
Slide 10: Deposit Market Share
Deposit Market Share Source: SNL Financial Trustmark ranked #1 in Deposit Market Share in Jackson MSA Deposits 2003 2002 06/30/03 Market Share Market Share Trustmark $2,583 million 40.66% 37.90% AmSouth 1,399 million 22.02% 22.55% BancorpSouth 667 million 10.49% 10.90% BancPlus 434 million 6.84% 6.6
Slide 11: Deposit Composition
Deposit Composition As of December 31, 2003 ($ 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. ‘Mississippi Seciy of nancial Amaysts ‘May 28,2004
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