Loans Held for Investment (HFI)

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Trustmark(TRMK) - 2025 Q2 - Earnings Call Presentation
2025-07-23 13:30
Financial Performance - Net income totaled $55.8 million, representing fully diluted EPS of $0.92[5] - Revenue in the second quarter totaled $198.6 million, a $4.0 million, or 2.1%, increase from the prior quarter[5] - Net interest income (FTE) totaled $161.4 million, an increase of $6.7 million, or 4.3%, linked-quarter and resulted in a net interest margin of 3.81%[5] Balance Sheet - Loans held for investment (HFI) increased $223.3 million, or 1.7%, linked-quarter to reach $13.5 billion[5,6] - Total deposits increased $35.2 million, or 0.2%, linked-quarter to reach $15.1 billion[5,6] Credit Quality - Nonperforming assets declined $5.0 million, or 5.3%, from the prior quarter[5] - Net charge-offs totaled $4.1 million, representing 0.12% of average loans[5] - Allowance for credit losses (ACL) represented 1.25% of loans HFI, down 1 basis point linked-quarter[5] Capital Management - The company maintained a strong capital position with a CET1 ratio of 11.70% and a total risk-based capital ratio of 14.15%[5] - The company repurchased $11.0 million, or approximately 341 thousand common shares during the second quarter[5]