Trustmark National Bank

Trustmark National Bank is headquartered in Jackson and is the 2^nd largest bank in the state of Mississippi. It is also the 108^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 2,566 employees at 185 locations. Trustmark National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Trustmark National Bank FDIC Certificate # 4988 BankRate Report View Year Established 1889 Employees 2566 Primary Regulator OCC Assets and Liabilities Assets $9.82 billion Loans $6.00 billion Deposits $7.94 billion Equity Capital $1.26 billion Loan Loss Allowance $90.33 million Unbacked Noncurrent Loans $111.24 million Real Estate Owned $73.76 million Historic Data - March 2011 Assets $9.40 billion Equity Capital $1.18 billion Loan Loss Allowance $91.92 million Unbacked Noncurrent Loans $124.08 million Real Estate Owned $86.10 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.25% Return on Equity 9.7% Interest Income $94.45 million

Institution Health Overall Score: 5 out of 5 Texas Ratio 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 March 31, 2012 Trustmark National Bank had $185 million in non-current loans and owned real-estate with $1.35 billion in equity and loan loss allowances on hand to cover it. This gives Trustmark National Bank a Texas Ratio of 13.67% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Trustmark National Bank held steady from 15.09% as of March 31, 2011 to 13.67% as of March 31, 2012, resulting in a positive change of 9.40%.This indicates that the balance sheet and financial strength for Trustmark National Bank has held steady in recent periods. Deposit Growth In the past year, Trustmark National Bank has increased its total deposits by $667.22 million, resulting in 9.17% 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 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 $9.82 billion in assets with $1.35 billion in equity, resulting in a capitalization level of 13.78%, which is excellent.

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