8-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

May 6, 2003
Date of Report (Date of earliest event reported)

TRUSTMARK CORPORATION

(Exact name of registrant as specified in its charter)

Mississippi
(State or other
jurisdiction of
incorporation) 0-3683
(Commission File Number) 64-0471500
(IRS Employer
Identification No.)

248 East Capitol Street
Jackson, MS 39201
(Address, including zip code, of principal executive office)

(601) 208-5111
(Registrant’s telephone number, including area code)

TABLE OF CONTENTS

	Item 12. Results of Operations and Financial Condition (Filed pursuant to Item 9)
SIGNATURES
EXHIBIT INDEX
EX-99.1 Presentation to Analysts

Item 12. Results of Operations and Financial Condition (Filed pursuant to Item 9)

The following information is being provided under Item 12 — Results of Operations and Financial Condition. It is being furnished under Item 9 of this Form 8-K in accordance with interim guidance issued by the SEC in release No. 33-8216. Such information, including the Exhibit attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934.

On May 1, 2003, Trustmark Corporation issued a press release announcing that Chairman and CEO Richard G. Hickson would be making a presentation to analysts attending the Gulf South Bank Conference in New Orleans on Tuesday, May 6 at 9:45 a.m. Central Time. Investors were invited to listen to a live listen-only webcast of Hickson’s comments and follow his slide presentation through the following link: http://www.shareholder.com/trustmark/medialist.cfm. The presentation will be archived and available until June 6, 2003.

This presentation is attached as Exhibit 99.1 to this report and incorporated herein by reference.

Trustmark is a financial services company providing banking and financial solutions through over 130 offices and 2,300 associates in Mississippi and Tennessee.

Trustmark’s investor contacts are Zach Wasson, Executive Vice President and Chief Financial Officer (601-208-6816) and Joseph Rein, First Vice President (601-208-6898). Trustmark’s media contact is Gray Wiggers, Senior Vice President (601-208-5942).

The following exhibit is filed as part of this Form 8-K:

Exhibit No.	Description
99.1	Presentation to analysts by Richard G. Hickson on May 6, 2003

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

TRUSTMARK CORPORATION

BY:	/s/ Richard G. Hickson	BY:	/s/ Zach L. Wasson
	Richard G. Hickson Chairman of the Board, President & Chief Executive Officer		Zach L. Wasson Treasurer (Principal Financial Officer)
DATE:	May 6, 2003	DATE:	May 6, 2003

EXHIBIT INDEX

99.1 Presentation to analysts by Richard G. Hickson on May 6, 2003

EX-99.1 3 d05472exv99w1.htm EX-99.1 PRESENTATION TO ANALYSTS

Exhibit 99.1

2 0 0 3 G U L F S O U T H B A N K C O N F E R E N C E
New Orleans, Louisiana
May 6, 2003

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 encompasses any estimate, prediction, expectation, projection, opinion, anticipation,
outlook or statement of belief included therein, as well as the management assumptions underlying
those forward looking statements. Such statements include, but may not be limited to effects of
changes in interest rates on earnings. Factors that might cause future results to differ from such
forward looking statements are described in Trustmark's filings with the Securities and Exchange
Commission. Trustmark undertakes no obligation to update or revise any of this information,
whether as the result of new information, future events or developments, or otherwise.

Company Vision and Mission

OUR VISION.....
is to be a premier financial services company in our marketplace.

OUR MISSION.....
is to achieve outstanding customer satisfaction by providing banking, investment and insurance solutions through superior sales and service, utilizing excellent people, teamwork and diversity, while meeting our corporate financial goals.

Trustmark is an integrated provider of banking and financial solutions:
$434 million in revenue
$121 million in net income
17.93% ROE
9.52% Equity to Assets
1.77% ROA
$1.5 billion market cap
Investment Ratings: Moody's: A3, S&P: BBB+
Proven financial results

2002 Corporate Profile

Financial Performance

F I N A N C I A L P E R F O R M A N C E

Financial Performance

Basic Earnings and Dividends Per Share

(TABLE)

Financial Performance

Return on Average Equity

Financial Performance Total Revenue ($ in thousands) $277,429 $313,810 $344,345 $357,520 $398,894 $434,056 (TABLE) 26.5% 73.5% 27.7% 72.3% 29.6% 70.4% 34.8% 33.1% 32.7% 65.2% 66.9% 67.3%

Financial Performance

Efficiency Ratio

Financial Performance

Credit Quality ($ in millions)

Allowance for loan and lease losses (ALLL)

Non-Performing Assets (NPA)

Financial Performance

Net Income ($ in millions)

(TABLE)

Financial Performance

Return on Average Assets

Geographic Banking Franchise

Total Loans as of December 31, 2002 ($ in millions)

Total Loans
$ 4,617

$2,215

$642

$314

$154

$1,292

Loan Composition

As of December 31, 2002 ($ in millions)

$285

$1,331

$924

$200

$777

$833

$163

$104

Total Loans:
$ 4,617

$2,244

$665

$173

$1,604

Geographic Banking Franchise

Total Deposits as of December 31, 2002 ($ in millions)

Total Deposits:
$ 4,686

$1,251

$942

$744

$1,749

Deposit Composition

Total Deposits as of December 31, 2002 ($ in millions)

Total Deposits:
$ 4,686

$25.5

$50.0

$207.6

$23.5

$51.0

$14.8

$61.6

Financial Performance

2002 Revenue by Line of Business ($ in millions)

Total Revenue:
$434 million

Nissan selected Mississippi for $930 million manufacturing facility in November 2000;
 announced $500 million expansion in June 2002

Construction of the 400,000 unit plant, located 15 miles north of Jackson, is on schedule with production to begin in spring 2003

Full-size truck, SUV, minivan
and Altima to be produced from
3.5 million sq. ft. plant

3,000 construction workers
 employed

Plant payroll will initially be
 3,300 in 2003 before expanding
 to 5,300 in 2004

Nissan's annual payroll is an
 estimated $166 million in 2003

Nissan estimates 6 spin-off jobs
 for each job at plant (19,800 to
 31,800)

Economic Development

Nissan Motor Plant

K E Y I N I T I A T I V E S

Key Initiatives
Corporate Governance Overview

Enhanced Governance Structure 

Formal Division of Boards (2)

Revised Committee Structure

Developed Board and Committee Mission Statements

Established Director Competencies and Accountabilities

Key Initiatives
Corporate Governance Structure

Key Initiatives
Branding

Comprehensive redesign of compensation and benefits rewards strategy

Redesign of training curriculum to include both classroom and web-based training

Significant investment in Financial Services and Leadership education programs for associates

Key Initiatives
Associate Development

Credit Process Redesign
Developed to enhance customer satisfaction, streamline credit processes, and support loan growth

Installing new consumer and business origination and underwriting systems
(B2B and Appro)

Installing new loan documentation system
(LaserPro)

Check Image Capture and Archive
Delivering check images in statements since mid 1990's

Building check image archive

Deliver check images to customer via internet banking platform in Fall 2003

Integrated Channel Delivery
Existing Internet banking package to be replaced by S1 and CheckFree; will include loan and credit card information

New platform available in Fall 2003

Key Initiatives
Technology

Completion of Chandler-Sampson Insurance Agency Merger

Focused expansion program in higher growth markets

Key Initiatives
Mergers and Acquisitions

Financial Contacts

Zach Wasson    800-844-2000 (6816)
Executive Vice President &   601-208-6816
Chief Financial Officer   email: zwasson@trustmark.com
     fax: 601-208-7966

Joseph Rein    800-844-2000 (6898)
First Vice President   601-208-6898
Corporate Planning   email: jrein@trustmark.com
     fax: 601-208-7966    

EX-99.1

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