-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, KjlATZWwmvlPAkfrymiFnjLb6IzYMldoK2kHIRLZphNOIuAaohpoYcW66+ME+oLC 8EN27abhybfOycpv2da1GQ== 0000950144-02-008080.txt : 20020808 0000950144-02-008080.hdr.sgml : 20020808 20020808171303 ACCESSION NUMBER: 0000950144-02-008080 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 27 CONFORMED PERIOD OF REPORT: 20020808 ITEM INFORMATION: Financial statements and exhibits ITEM INFORMATION: FILED AS OF DATE: 20020808 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANCORPSOUTH INC CENTRAL INDEX KEY: 0000701853 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 640659571 STATE OF INCORPORATION: MS FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-12991 FILM NUMBER: 02723354 BUSINESS ADDRESS: STREET 1: ONE MISSISSIPPI PL CITY: TUPELO STATE: MS ZIP: 38804 BUSINESS PHONE: 6626802000 MAIL ADDRESS: STREET 1: PO BOX 789 CITY: TUPELO STATE: MS ZIP: 38802-0789 FORMER COMPANY: FORMER CONFORMED NAME: BANCORP OF MISSISSIPPI INC DATE OF NAME CHANGE: 19920703 8-K 1 g77594e8vk.htm BANCORPSOUTH, INC. e8vk
Table of Contents



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

Date of Report (Date of earliest event reported): August 8, 2002 (August 8, 2002)


BANCORPSOUTH, INC.

(Exact Name of Registrant as Specified in Its Charter)

         
Mississippi   1-12991   64-0659571

 
 
(State or Other
Jurisdiction of Incorporation)
  (Commission
File Number)
  (I.R.S. Employer
Identification Number)
     
One Mississippi Plaza
201 South Spring Street
Tupelo, Mississippi
  38804

 
(Address of Principal
Executive Offices)
  (Zip Code)

(662) 680-2000
(Registrant’s Telephone Number, Including Area Code)

Not Applicable
(Former Name or Former Address, if Changed from Last Report)



 


SIGNATURES
EXHIBIT INDEX
PRESENTANTION


Table of Contents

ITEM 7.   FINANCIAL STATEMENTS AND EXHIBITS

(c)   The following exhibits are filed herewith:

     
Exhibit Number   Description

 
99.1   Presentation materials presented at the SunTrust Robinson Humphrey Financial Services and Technology Unconference

ITEM 9.   REGULATION FD DISCLOSURE

     Representatives of BancorpSouth, Inc. delivered a presentation at the SunTrust Robinson Humphrey Financial Services and Technology Unconference on August 8, 2002. A copy of the presentation materials is filed as Exhibit 99.1 to this Current Report on Form 8-K and are incorporated into this Item 9 by reference.

A number of statements we will be making in our presentation and in the accompanying slides will be “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements of BancorpSouth’s plans, goals, objectives, expectations, projections, estimates, intentions, future performance and business of BancorpSouth, including, without limitation, (i) statements relating to the transaction with Pinnacle Bancshares, Inc. and First Land and Investment Co., acquisition strategy and the use of capital, and (ii) statements preceded by, followed by or that include the words “may”, “could”, “would”, “should”, “believes”, “expects”, “anticipates”, “estimates”, “intends”, “plans”, “targets”, “probably”, “potentially”, “projects” or similar expressions. These forward-looking statements involve significant risks and uncertainties and are subject to change based on various factors (some of which are beyond BancorpSouth’s control). Factors that might cause BancorpSouth’s financial performance to differ materially from the plans, goals, objectives, expectations and intentions expressed in such forward looking statements include, but are not limited to: (i) revenues may be lower than expected, deposit attrition, operating cost or customer loss and business disruption may be greater than expected; (ii) competitive pressures among depository and other financial institutions may increase significantly; (iii) cost or difficulties related to the integration of the business of BancorpSouth, Pinnacle Bancshares and First Land and Investment Co. may be greater than expected; (iv) the ability of BancorpSouth to manage its growth and effectively serve an expanding customer and market base, (v) changes in BancorpSouth’s operating or expansion strategy, (vi) changes in interest rate environment may reduce margins; (vii) general economic or business conditions, either nationally or in the states or regions in which BancorpSouth does business, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality or a reduced demand for credit; (vii) legislative or regulatory changes may adversely affect the business in which BancorpSouth is engaged; and (ix) changes may occur in the securities markets. Additional information with respect to factors that may cause actual results to differ materially from those contemplated by such forward looking statements is included in BancorpSouth’s current and subsequent filings with the Securities and Exchange Commission. BancorpSouth does not undertake any obligation to update any forward-looking statement, written or oral.

 


Table of Contents

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.

         
    BANCORPSOUTH, INC.
 
    By:   /s/ L. Nash Allen, Jr.
       
        L. Nash Allen, Jr.
Treasurer and Chief Financial Officer
 
Date: August 8, 2002        

 


Table of Contents

EXHIBIT INDEX

     
Exhibit Number   Description

 
99.1   Presentation materials presented at the SunTrust Robinson Humphrey Financial Services and Technology Unconference

  EX-99.1 3 g77594exv99w1.htm PRESENTANTION exv99w1

 

EXHIBIT 99.1

BANCORPSOUTH

 


 

CAUTIONARY STATEMENT

 


 

BANCORPSOUTH PROFILE

 


 

SIX STATE REGIONAL BANK

 


 

DEMOGRAPHICS

 


 

GROWTH STRATEGIES

 


 

BANCORPSOUTH DEPOSIT GROWTH VS. SELECT MARKETS

 


 

GROWTH STRATEGY -- ILLUSTRATED

 


 

MERGER STRATEGY

 


 

EPS TREND

 


 

NET INTEREST MARGIN

 


 

NON-INTEREST REVENUE

 


 

NON-INTEREST REVENUE

 


 

NON-INTEREST REVENUE

 


 

BANCORPSOUTH INSURANCE SERVICES, INC.

 


 

CREDIT QUALITY TRENDS

 


 

GEOGRAPHIC DIVERSIFICATION OF LOAN PORTFOLIO

 


 

LOAN PORTFOLIO

 


 

LOAN COMMITMENT SEGMENTATION

 


 

EFFICIENCY

 


 

EFFICIENCY RATIO

 


 

CAPITAL MANAGEMENT

 


 

DIVIDEND GROWTH

 


 

ROE TRENDS

 


 

BANCORPSOUTH SUMMARY

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