BancorpSouth, Inc.

Investor Presentation

July 2012

Exhibit 99.1

Forward Looking Information

2

Certain statements contained in this presentation and the accompanying slides may not be based on historical facts and are “forward-looking statements” within the

meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended.  These forward-looking

statements may be identified by reference to a future period or by the use of forward-looking terminology, such as “anticipate,” “believe,” “estimate,” “expect,”

“foresee,” “may,” “might,” “will,” “intend,” “could,” “would” or “plan,” or future or conditional verb tenses, and variations or negatives of such terms. These forward-

looking statements include, without limitation, statements about maturities of our CDs, our strategic focus, revenue growth opportunities, integration of specialty

lending lines of business, disposition of OREO, branch optimization, the effectiveness of our new regional management structure, geographic expansion of

mortgage originators, expansion of insurance agencies, marketing of foreclosed properties, our ability to exit non-performing and criticized relationships, results of

operations and financial condition. We caution you not to place undue reliance on the forward-looking statements contained in this presentation, in that actual

results could differ materially from those indicated in such forward-looking statements as a result of a variety of factors. These factors include, but are not limited to,

conditions in the financial markets and economic conditions generally, the ongoing debt crisis and the downgrade of the sovereign credit ratings for various nations,

the adequacy of the Company’s provision and allowance for credit losses to cover actual credit losses, the credit risk associated with real estate construction,

acquisition and development loans, losses resulting from the significant amount of the Company’s other real estate owned, limitations on the Company’s ability to

declare and pay dividends, the impact of legal or administrative proceedings, the availability of capital on favorable terms if and when needed, liquidity risk,

governmental regulation, including the Dodd Frank Act,  and supervision of the Company’s operations, the impact of regulations on service charges on the

Company’s core deposit accounts, the susceptibility of the Company’s business to local economic conditions, the soundness of other financial institutions, changes

in interest rates, the impact of monetary policies and economic factors on the Company’s ability to attract deposits or make loans, volatility in capital and credit

markets, reputational risk, the impact of hurricanes or other adverse weather events, any requirement that the Company write down goodwill or other intangible

assets, diversification in the types of financial services the Company offers, competition with other financial services companies, risks in connection with completed

or potential acquisitions, the Company’s growth strategy, interruptions or breaches in the Company’s information system security, the failure of certain third party

vendors to perform, dilution caused by the Company’s issuance of any additional shares of its common stock to raise capital or acquire other banks, bank holding

companies, financial holding companies and insurance agencies, the effectiveness of the Company’s internal controls, other factors generally understood to affect

the financial results of financial services companies and other factors detailed from time to time in the Company’s press releases and filings with the Securities and

Exchange Commission. Forward-looking statements speak only as of the date they were made, and, except as required by law, we do not undertake any obligation

to update or revise forward-looking statements to reflect events or circumstances after the date of this presentation. Certain tabular presentations may not reconcile

because of rounding. Unless otherwise noted, any quotes in this presentation can be attributed to company management.

Footprint –

260 Bank Locations

3

Locations as of June 30, 2012

30 Insurance Locations With 157 Licensed Producers

4

Locations and head count adjusted to reflect the acquisition of the

assets of The Securance Group, Inc., which closed on July 2, 2012

72 Mortgage Locations With 98 Originators

5

Locations and head count as of June 30, 2012

Diversified Revenue Stream

Percentages and amounts based on data for the six months ended June 30, 2012

*Excludes net securities gains of $0.3 million and negative MSR valuation adjustment of $0.1 million

Almost 40% of Total Revenue is Derived from Noninterest Sources

Total Noninterest Revenue of $138.7M*

6

Insurance

Commissions

34%

Mortgage

lending

17%

Card and

merchant fees

11%

Service

charges

22%

Trust income

3%

Other

13%

$71

$87

$81

$82

$87

$23

$23

$0

$200

$400

$600

$800

$1,000

$0

$20

$40

$60

$80

$100

2007

2008

2009

2010

2011

3/31/12

6/30/12

Insurance Commission Revenue

Premium Dollars Written

7

Insurance Commissions

Insurance Commissions Account for Approximately 1/3 of Noninterest Revenue

Fiscal Year

Quarter Ended

Dollars in millions

Premium Dollars Written

Commission Revenue

$10

$13

$30

$34

$31

$11

$15

$0

$500

$1,000

$1,500

$2,000

$0

$10

$20

$30

$40

2007

2008

2009

2010

2011

3/31/12

6/30/12

Mortgage Lending Revenue*

Mortgage Production

8

Mortgage Lending Revenue

Mortgage Production Volume Totaled $444 Million for the Second Quarter

Fiscal Year

Quarter Ended

Dollars in millions

*Excludes MSR valuation adjustments

Revenue

Production

Core Deposit Franchise 

Reduced reliance on public funds

deposits and single service CDs

Noninterest bearing deposits have

grown approximately 10% since June

30, 2011

Cost of total deposits for the quarter

ended June 30, 2012 was 0.56%

Over $1 billion in CDs maturing over the

next two quarters at a weighted average

rate of approximately 0.89%

As of and for the period ended June 30, 2012

(except where otherwise indicated)

$11.0B Total 

Deposit Composition

9

Non-Interest

Bearing

21%

Interest Bearing

DDA

44%

Time

25%

Savings

10%

3.68%

3.75%

3.77%

3.70%

3.69%

3.66%

3.65%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

2007

2008

2009

2010

2011

3/31/12

6/30/12

Stable Net Interest Margin

Fiscal Year

Quarter Ended

Shown on a fully taxable equivalent basis

10

Strong Core Capital Base

Core capital base consisting of 100% common equity

Continued improvement in capital levels, internally generated and

through common stock offering in January 2012

11

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

Total capital

Tier I capital

Tier I leverage capital

14.66%

13.41%

10.07%

12

Financial Highlights

Second Quarter Financial Highlights

At and for the three months ended June 30, 2012

13

Net income of $20.6 million, or $0.22 per diluted share

Continued improvement in many credit quality indicators including the

provision for credit losses, total NPLs and NPAs, classified loans, and

net charge-offs

Net interest margin remained relatively stable at 3.65%

Mortgage production increased to $444 million, and mortgage lending

contributed $14.9 million of non interest revenue excluding a negative

MSR valuation adjustment of $3.8 million

Improving loan production, particularly in the Commercial and

Industrial portfolio

Announced the third quarter acquisition of the assets of The Securance

Group, Inc. which added three locations in Alabama

Net Income

Meaningful Improvement in Profitability Levels

14

Net Income for quarters ended as of dates shown

Dollars in millions

($2.1)

$8.4

($12.6)

$11.3

$15.8

($0.5)

$12.8

$11.9

$13.3

$22.9

$20.6

($20)

($10)

$0

$10

$20

$30

12/31/09

3/31/10

6/30/10

9/30/10

12/31/10

3/31/11

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

NPA Improvement

Dollars in millions

NPLs include non-accrual loans, loans 90+ days past due and restructured loans

NPAs include NPLs and other real estate owned

Total NPAs Have Declined $150 Million Since the Peak at 3/31/11

15

$236

$302

$409

$394

$425

$380

$363

$322

$285

$267

$59

$68

$83

$133

$136

$151

$163

$174

$168

$144

$295

$370

$492

$528

$561

$531

$525

$496

$453

$411

$100

$200

$300

$400

$500

$600

3/31/10

6/30/10

9/30/10

12/31/10

3/31/11

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

NPLs

OREO

Dollars in millions

Data for quarters ended as of dates shown

Payments Received on Non-Accrual Loans

16

Payments of over $100 million received on non-accrual loans over the past 5 quarters

$18.2

$20.2

$15.1

$20.6

$27.1

$0

$5

$10

$15

$20

$25

$30

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

$0

$100

$200

$300

$400

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

Non-Accrual Lns Paying as Agreed

All Other Non-Accrual Lns

Non-Accrual Loans

Dollars in millions

48%

51%

54%

55%

55% of non-accrual loans were paying as agreed as of June 30, 2012

47%

17

“Paying as Agreed”

includes loans < 30 days past due with payments occurring at least quarterly

Dollars in millions

Data for quarters ended as of dates shown

Positive Trend in Net Charge-Offs

% Avg. Loans

18

$31

$50

$51

$51

$52

$33

$23

$24

$23

$12

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

3.0%

$0

$10

$20

$30

$40

$50

$60

3/31/10

6/30/10

9/30/10

12/31/10

3/31/11

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

Net charge-offs

Net charge-offs / average loans

Decreased Exposure in CAD Portfolio

Dollars in millions

Net loans and leases

Residential CAD has declined almost 50% over the past 2 years

19

$601

$570

$523

$456

$420

$393

$377

$342

$317

$288

$1,429

$1,419

$1,336

$1,175

$1,117

$1,061

$977

$908

$858

$835

$0

$400

$800

$1,200

$1,600

3/31/10

6/30/10

9/30/10

12/31/10

3/31/11

6/30/11

9/30/11

12/31/11

3/31/12

6/30/12

Residential CAD

All Other Construction, Acquisition and Development

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Strategic Focus

Revenue Growth Opportunities

Pursue quality loan growth

C&I loans increased $56 million, or 3.9%, during the second quarter

Branch expansion in certain growth markets

Continue to focus on fee revenue growth

Grow insurance line business, organically and through acquisition

opportunities (recently acquired the assets of The Securance Group, Inc.)

Expand mortgage footprint into new markets through additions to

mortgage origination team

Integration of specialty lending lines of business into the general

banking organization structure

21

Specialty Lending Lines of Business

Corporate Banking

Commitment to growing lending group

Small Business Lending

Equipment Leasing

10 commercial territory managers covering 14 states

Leasing portfolio totals over $500 million as of June 30, 2012

Production

volume

of

approximately

$120

million

during

the

first

half

of

2012

Centralized Consumer Lending Outreach

22

Efficiency Opportunities

23

Focus on disposition of other real estate owned

Branch optimization

Closed 22 branches during 2011

Continue to evaluate the performance and potential of all branches

Monitoring of headcount

Total head count down approximately 3.5%, over the past 3 years

despite hiring of additional mortgage originators and credit support staff

as well as new branch openings in certain markets

Geographic reorganization of general bank from 10 regions to 4

regions

Summary

Consistent core earnings with almost 40% of total revenue

derived from noninterest sources

Focus on expanding mortgage originators geographically

Continue to seek opportunities for expansion in insurance

Continued progress in improving asset quality

Continue to aggressively market foreclosed properties

Continue efforts on directed exits of non-performing and criticized

relationships

Measurable increases in profitability levels

Strategic focus on revenue growth opportunities

Efficiency and expense control initiatives

Data as of and for the quarter ended June 30, 2012

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