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Overview / Commentary
800-243-2524
248 East Capitol Street
Jackson, MS 39201

Trustmark National Bank is headquartered in Jackson and is the 2nd largest bank in the state of Mississippi. It is also the 98th largest bank in the nation. It was established in 1889 and as of December of 2013, it had grown to 3,066 employees at 226 locations. Trustmark National Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Trustmark National Bank had $229.88 million in non-current loans and owned real-estate with $1.45 billion in equity and loan loss allowances on hand to cover it. This gives Trustmark National Bank a Texas Ratio of 15.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Trustmark National Bank experienced no significant changes from 13.53% as of December 31, 2012 to 15.89% as of December 31, 2013, resulting in a negative change of 17.47%. This indicates that the balance sheet and financial strength for Trustmark National Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Trustmark National Bank has increased its total deposits by $1.95 billion, resulting in 25.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Trustmark National Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Trustmark National Bank has $11.68 billion in assets with $1.45 billion in equity, resulting in a capitalization level of 12.38%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #4988
Year Established1889
Employees3066
Primary RegulatorOCC
Assets and Liabilities
Assets$11.68 billion
Loans$6.59 billion
Deposits$9.69 billion
Equity Capital$1.37 billion
Loan Loss Allowance$75.07 million
Unbacked Noncurrent Loans$124.79 million
Real Estate Owned$105.10 million
Historic Data - December 2012
Assets$9.72 billion
Equity Capital$1.31 billion
Loan Loss Allowance$83.59 million
Unbacked Noncurrent Loans$124.79 million
Real Estate Owned$76.73 million
Profit Margin - Quarterly
Net Interest Margin3.92%
Return on Assets1.04%
Return on Equity8.67%
Interest Income$409.24 million
Rates

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Locations

Trustmark National Bank has 224 locations. Click to view all Trustmark National Bank locations.