Trustmark Corporation · NASDAQ:TRMK
Trustmark — Sterne Agee Annual Financial Services Symposium (February 2009)
23 slides from Trustmark's conference presentation, Feb 9, 2009
Slide 1: People you trust. Advice that works.
People you trust. Advice that works. ig Trustmark Banking and Financial Solutions Sterne Agee 4% Annual Financial Services Symposium Orlando, Florida February 9, 2009
Slide 2: Forward-looking statements
YY Trustmark Certain statements contained in this document constitute forward-looking staternents within the meaning Securities Litigation Reform Act of 1995. You can identify forward-looking statements by words such as "may," "hop *should,” “expect,” "plan." "anticipate," “intend,” "believe," “esti
Slide 3: Trustmark is an integrated provider of banking and financial solutions
Oklahoma Arkansas Louisiana Trustmark is an integrated provider of banking and financial solutions > $9.8 billion in total assets » $6.7 billion in loans held for investment > $6.8 billion in deposits > $1.2 billion of market capitalization » Serving Florida, Mississippi, Tennessee and Texas » 150 B
Slide 4: Total revenue and noninterest income
(8 in millions) Total Revenue $496 Total Noninterest Income $177 Service Mortgage AutoiCredit Charges c 1 AT eneral Insurance = § Card $26 Treasury & $54 Banking Other $64 ~ $31 a otter Panhandle 3% * ‘Wealth Merorue Management Commercial — s Insurance $29 Retail Banking $33 $293 Fee Income to Total
Slide 5: Total loans by type
(8 in millions) Commercial Loans $4,233 State & Political Construction & Subs Other Land Owner $271 S115 Development Occupied RE $1,029 $722 CRE Income Preducing se1a cal $1,284 Consumer Loans $2,489 Other $70 Branch Direct $792 x 32% Home Mortgage saig Indirect Auto Credit Card $50 $658 Total Loans
Slide 6: Deposits by type and region
& Trustmark Saing ans Fanci otlone (8 in miions) . By Type By Region Noninterest FL Memphis, Houston, Time Checking Panhandle TNS632 yc aa6 $1,496 $218 Interest Checking $1,598 Other MS Money Savings $2,210 Jaekson, Market $902 $287 MS $3,278 Total Deposits $6,824
Slide 7: Financial Results and Capital
Trustmark Corporation Financial Results and Capital Financial Results 4-07 Q1-08 2-08 3-08 04-08 Eamings per common share $0.42 $0.46 $0.31 $041 $0.42 Retum on average tangible 16.28% 17.59% 11.70% 15.16% 15.10% common equity Retum on average assets 1.06% 1.19% 0.77% 1.02% 1.07% Net Interest Margin
Slide 8: Houston MSA
Houston MSA » Trustmark has 16 banking centers > $839 million in loans and $486 million in deposits* » Building stronger Commercial, Retail, and Wealth Management platforms » Six new banking centers opened during last 36 months + As of 120108 +H As of 90/2008 Source: SNL Financial and ESRI ' Houston
Slide 9: Jackson Metro
Jackson Metro >» Trustmark has $2.1 billion in loans and $3.3 billion in deposits* » Maintain market dominance by focusing on cross-selling and retention >» Four new banking centers opened during last 36 months Bi Banking center Hinds 253,766 1.09% 43.55% 24 Rankin 141,751 13.37% 31.25% "1 eke elas
Slide 10: Memphis MSA
Memphis MSA Trustmark has $451 million in loans and $632 million in deposits* Aoosahatchie NNESSEE » Focus on middle market commercial and real estate lending » Three new banking centers opened during last 36 months 1 Banking center Ae of 1201/2008 ‘are SHC Financia and ESRI Memphis MSA | 1,324,150
Slide 11: 2008 Strategic Focus
2008 Strategic Focus » Manage crisis in financial services industry = Reduced credit exposure in Florida, indirect auto, HELOC and credit card = Increased investment securities portfolio = Maintained stable deposit base = Managed mortgage banking interest rate volatility » Assess and resolve problem
Slide 12: 2008 Strategic Focus
2008 Strategic Focus >» Continue retail banking center program = Opened six banking centers in Houston (2), Memphis, Panama City, MS Gulf Coast, and Jackson = Closed two offices with limited growth opportunities >» Invest in technology with new retail deposit system = Implemented Phase | of Argo Dat
Slide 13: 2009 Strategic Focus
2009 Strategic Focus >» Manage credit and balance sheet risk » Enhance and expand Commercial Banking business development program Continue development of Houston franchise Vigorously defend leadership position in major legacy market Preserve equity vv Vv Ww Selectively seek deposit acquisition oppor
Slide 14: Reasons to Invest in Trustmark
Reasons to Invest in Trustmark Diversified business mix in attractive markets Liquid, well-positioned balance sheet Solid profitability metrics Strong capital base Positioned for growth and profitability Vv Vv vVvV VW W Focused on maximizing shareholder value 14
Slide 15: People you trust. Advice that works.
People you trust. Advice that works. \\ “ij Trustmark Banking and Financial Solutions
Slide 16: Supplemental Information
7 Trustmark Supplemental Information 16
Slide 17: Florida Panhandle
Florida Panhandle >» Trustmark has $618 million Ee in loans and $218 million in \ deposits* \ waswineto ok ALoosia » Cross-sell to Fisher- Brown’s commercial insurance customers » Focus on commercial lending >» Expand Wealth Management Banking center Bah ot eee >» New banking center in z Bay 170,977
Slide 18: Credit Quality Trends
Trustmark Corporation @ Tustmark Credit Quality Trends a ($ in millions) Quarter Ended December 31, 2008 Florida Mississippi Tennessee Texas Total Total Loans (including HFS) $618 $4,911* $692 $839 $6,961 Nonperforming Loans $75.1 $18.7 $3.6 $16.6 $114.0 Other Real Estate $21.3 $6.1 $8.9 $2.3 $38.6
Slide 19: Construction and land development loans
@ J Trustmark (8 in millions) Total Gonstruction| Mississippi | Tennessee Land and (Central and | (Memphis, TN Development Southern | Northern MS Loans Florida Regions) Region} Texas Lots Development lUnimpraved land 1-4 family construction lOther construction Genstructian and land develepment loans
Slide 20: Florida loans by type
YY Trustmark (8 in millions) Loan Type s Construction and land development| § 294 Secured by 1-4 family residential 92 evelopment Secured by nonfarm, nonresidential 179 Neon Other realestate secured 13 cine nreved Jind Commercial and industrial loans 19 1-4 family construction Consumer loans a Other
Slide 21: Florida Credit Quality
Florida Credit Quality eZ Trustmark December 31, 2008 pare Pcl Staion (8 in thousands) Total Loans Loan Loss Less Loan reserve % of Criticized Classified Nonaccrual Impsired| impaired Loss Non-Impaired Losns Loans (1) Loans {2} Loms(3}/ Loms Reserves Construction Land and Development: Lots H7EBS 21,
Slide 22: Contact Information
Contact Information Trustmark 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 Financial Officer 601-208-2310 I
Slide 23: People you trust. Advice that works.
People you trust. Advice that works. \\ “ij Trustmark Banking and Financial Solutions
Trustmark — Sterne Agee Annual Financial Services Symposium (February 2009) on 6ix