Trinity Bank 2012 Net Income up 13.1%; 2012 Earnings per Share up 16.8%; Ninth Consecutive Year of Improved Profitability

Marketwired

FORT WORTH, TX--(Marketwire - Feb 12, 2013) - Trinity Bank N.A. (OTCBB: TYBT) today announced financial and operating results for the fourth quarter and for the twelve months ended December 31, 2012.

Results of Operations

Trinity Bank, N.A. reported Net Income After Taxes for the fourth quarter of $664,894, or $.59 per diluted common share, compared to $605,157, or $.54 per diluted common share for the fourth quarter of 2011, an increase of 9.3%.

For the year 2012, Net Income After Taxes amounted to $2,580,751, or $2.36 per diluted common share, compared to $2,282,024, or $2.02 per diluted common share for 2011, an increase of 16.8%.

Jeffrey M. Harp, President, stated, "Operating results for 2012 represent Trinity Bank's ninth consecutive year of improved profitability. Growth in earnings and assets remains acceptable. Return on Equity and Return on Assets are well above peer performance at the local, state, and national level. 2013 will be a challenging year for Trinity due to securities maturing at yields that we cannot replace in the current low rate environment. However, we look forward to maintaining our record of improving performance each year." 

       
    For Year Ending  
    2012     2011     2010     2009     2008     2007  
Return on Assets   1.51 %   1.46 %   1.30 %   1.12 %   1.11 %   0.96 %
                                     
Return on Equity (excluding unrealized gain on securities)   13.21 %   13.22 %   12.57 %   11.33 %   10.80 %   8.88 %
                                     
               
Average for Year Ending              
               
    12-31-12   12-31-11      
Loans   $ 83,486   $ 73,556   13.5 %
Deposits   $ 149,357   $ 137,086   9.0 %
Actual for Year Ending                  
                   
Net Interest Income   $ 5,582   $ 5,034   10.9 %
Non-Interest Income   $ 680   $ 540   25.9 %
Non-Interest Expense   $ 2,604   $ 2,573   1.2 %
Loan Loss Provision   $ 195   $ 0   -  
Pre Tax Income   $ 3,463   $ 3,001   15.4 %
                   
Income Tax   $ 882   $ 719   22.7 %
                   
Net Income   $ 2,581   $ 2,282   13.1 %
                   

Trinity Bank, N.A. is a commercial bank that began operations May 28, 2003. For a full financial statement, visit Trinity Bank's website: www.trinitybk.com click on "About Us" and then click on "Investor Information". Financial information in regulatory reporting format is also available at www.fdic.gov.

This Press Release may contain certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future financial conditions, results of operations and the Bank's business operations. Such forward-looking statements involve risks, uncertainties and assumptions, including, but not limited to, monetary policy and general economic conditions in Texas and the greater Dallas-Fort Worth metropolitan area, the risks of changes in interest rates on the level and composition of deposits, loan demand and the values of loan collateral, securities and interest rate protection agreements, the actions of competitors and customers, the success of the Bank in implementing its strategic plan, the failure of the assumptions underlying the reserves for loan losses and the estimations of values of collateral and various financial assets and liabilities, that the costs of technological changes are more difficult or expensive than anticipated, the effects of regulatory restrictions imposed on banks generally, any changes in fiscal, monetary or regulatory policies and other uncertainties as discussed in the Bank's Registration Statement on Form SB-1 filed with the Office of the Comptroller of the Currency. Should one or more of these risks or uncertainties materialize, or should these underlying assumptions prove incorrect, actual outcomes may vary materially from outcomes expected or anticipated by the Bank. A forward-looking statement may include a statement of the assumptions or bases underlying the forward-looking statement. The Bank believes it has chosen these assumptions or bases in good faith and that they are reasonable. However, the Bank cautions you that assumptions or bases almost always vary from actual results, and the differences between assumptions or bases and actual results can be material. The Bank undertakes no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events or otherwise, unless the securities laws require the Bank to do so.

TRINITY BANK N.A.  
(Unaudited)  
(Dollars in thousands, except per share data)  
                             
                             
    Quarter Ended     Twelve Months Ended  
    December 31   %     December 31   %  
EARNINGS SUMMARY   2012   2011   Change     2012   2011   Change  
                                     
Interest income     1,542     1,509   2.2 %     6,138     5,879   4.4 %
Interest expense     110     199   -44.7 %     556     845   -34.2 %
Net Interest Income     1,432     1,310   9.3 %     5,582     5,034   10.9 %
                                     
Provision for Loan Losses     45     0   N/A       195     0   N/A  
                                     
Service charges on deposits     41     37   10.8 %     152     147   3.4 %
Net gain on securities available for sale     116     18   544.4 %     286     114   150.9 %
Other income     64     55   16.4 %     242     279   -13.3 %
Total Non Interest Income     221     110   100.9 %     680     540   25.9 %
                                     
Salaries and benefits expense     512     450   13.8 %     1,494     1,419   5.3 %
Occupancy and equipment expense     84     81   3.7 %     307     314   -2.2 %
Other expense     122     90   35.6 %     803     840   -4.4 %
Total Non Interest Expense     718     621   15.6 %     2,604     2,573   1.2 %
                                     
Earnings before income taxes     890     799   11.4 %     3,463     3,001   15.4 %
Provision for income taxes     225     194   16.0 %     882     719   22.7 %
Net Earnings     665     605   9.9 %     2,581     2,282   13.1 %
                                     
Basic earnings per share     0.59     0.57   3.5 %     2.38     2.15   10.7 %
Basic weighted average shares outstanding     1,123     1,059           1,084     1,063      
                                     
Diluted earnings per share     0.59     0.54   9.3 %     2.36     2.02   16.8 %
Diluted weighted average shares outstanding     1,134     1,122           1,095     1,127      
                                     
                                     
                                     
    Average for Quarter     Average for Twelve Months  
    Ending December 31   %     Ending December 31   %  
BALANCE SHEET SUMMARY   2012   2011   Change     2012   2011   Change  
                                     
Total loans   $ 85,853   $ 76,426   12.3 %   $ 83,486   $ 73,556   13.5 %
Total short term investments     25,057     26,760   -6.4 %     21,982     21,500   2.2 %
Total investment securities     59,626     56,751   5.1 %     58,512     54,003   8.3 %
                                     
Earning assets     170,536     159,937   6.6 %     163,980     149,059   10.0 %
                                     
Total assets     177,855     166,392   6.9 %     170,882     156,233   9.4 %
                                     
Noninterest bearing deposits     38,481     32,552   18.2 %     33,866     28,743   17.8 %
Interest bearing deposits     116,937     113,758   2.8 %     115,491     108,343   6.6 %
                                     
Total deposits     155,418     146,310   6.2 %     149,357     137,086   9.0 %
                                     
Fed Funds Purchased and Repurchase Agreements     451     584   -22.8 %     387     503   -23.1 %
                                     
Shareholders' equity     20,529     18,690   9.8 %     20,134     17,943   12.2 %
                                     
 
 
TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
                     
    Average for Quarter Ending
    Dec 31,   Sept. 30,   June 30,   March 31,   Dec 31,
BALANCE SHEET SUMMARY   2012   2012   2012   2012   2011
                               
Total loans   $ 85,853   $ 83,792   $ 83,133   $ 81,136   $ 76,426
Total short term investments     25,057     27,327     16,955     18,495     26,760
Total investment securities     59,626     58,929     58,031     57,451     56,751
                               
Earning assets     170,536     170,048     158,119     157,082     159,937
                               
Total assets     177,855     176,847     164,933     163,755     166,392
                               
Noninterest bearing deposits     38,481     35,755     31,337     29,804     32,552
Interest bearing deposits     116,937     119,186     112,538     113,263     113,758
                               
Total deposits     155,418     154,941     143,875     143,067     146,310
                               
Fed Funds Purchased and Repurchase Agreements     451     395     251     450     584
                               
Shareholders' equity     20,529     20,621     19,962     19,416     18,690
                               
                               
    Quarter Ended
    Dec 31,   Sept. 30,   June 30,   March 31,   Dec 31,
HISTORICAL EARNINGS SUMMARY   2012   2012   2012   2012   2011
                               
                               
Interest income     1,542     1,526     1,554     1,514     1,509
Interest expense     110     134     151     161     199
Net Interest Income     1,432     1,392     1,403     1,353     1,310
                               
Provision for Loan Losses     45     150     0     0     0
                               
Service charges on deposits     41     37     28     37     37
Net gain on securities available for sale     116     153     0     17     18
Other income     64     56     72     59     55
Total Non Interest Income     221     246     100     113     110
                               
Salaries and benefits expense     512     342     309     331     450
Occupancy and equipment expense     84     74     76     74     81
Other expense     122     190     252     237     90
Total Non Interest Expense     718     606     637     642     621
                               
Earnings before income taxes     890     882     866     824     799
Provision for income taxes     225     231     222     203     194
Net Earnings     665     651     644     621     605
                               
                               
TRINITY BANK N.A.  
(Unaudited)  
(Dollars in thousands, except per share data)  
                               
    Ending Balance  
    Dec 31,     Sept. 30,     June 30,     March 31,     Dec 31,  
HISTORICAL BALANCE SHEET   2012     2012     2012     2012     2011  
                                         
Total loans   $ 93,523     $ 84,625     $ 83,510     $ 84,808     $ 81,272  
Total short term investments     34,511       30,196       16,923       18,681       19,279  
Total investment securities     65,031       58,166       61,625       56,640       58,540  
                                         
Total earning assets     193,065       172,987       162,058       160,129       159,091  
                                         
Allowance for loan losses     (1,073 )     (1,026 )     (1,371 )     (1,371 )     (1,371 )
Premises and equipment     1,287       1,322       1,340       1,368       1,378  
Other Assets     6,474       6,040       6,469       6,706       7,843  
                                         
Total assets     199,753       179,323       168,496       166,832       166,941  
                                         
Noninterest bearing deposits     49,403       36,826       33,721       32,239       34,203  
Interest bearing deposits     128,491       120,298       113,377       114,268       112,163  
                                         
Total deposits     177,894       157,124       147,098       146,507       146,366  
                                         
Fed Funds Purchased and Repurchase Agreements     559       409       294       203       713  
Other Liabilities     725       910       809       898       792  
                                         
Total liabilities     179,178       158,443       148,201       147,608       147,871  
                                         
Shareholders' Equity Actual     19,546       19,775       19,244       18,368       18,025  
Unrealized Gain - AFS     1,029       1,105       1,051       856       1,045  
  Total Equity     20,575       20,880       20,295       19,224       19,070  
                                         
                                         
    Quarter Ending  
    Dec 31,     Sept. 30,     June 30,     March 31,     Dec 31,  
NONPERFORMING ASSETS   2012     2012     2012     2012     2011  
                                         
Nonaccrual loans   $ 0     $ 0     $ 528     $ 221     $ 653  
Restructured loans   $ 0     $ 0     $ 0     $ 0     $ 0  
Other real estate & foreclosed assets   $ 35     $ 72     $ 0     $ 0     $ 0  
Accruing loans past due 90 days or more   $ 0     $ 0     $ 0     $ 0     $ 0  
Total nonperforming assets   $ 35     $ 72     $ 528     $ 221     $ 653  
                                         
Accruing loans past due 30-89 days   $ 0     $ 0     $ 0     $ 0     $ 0  
                                         
Total nonperforming assets as a percentage of loans and foreclosed assets     0.04 %     0.09 %     0.63 %     0.26 %     0.80 %
                                         
   
   
TRINITY BANK N.A.  
(Unaudited)  
(Dollars in thousands, except per share data)  
                               
    Quarter Ending  
ALLOWANCE FOR   Dec 31,     Sept. 30,     June 30,     March 31,     Dec 31,  
LOAN LOSSES   2012     2012     2012     2012     2011  
                                         
Balance at beginning of period   $ 1,026     $ 1,371     $ 1,371     $ 1,371     $ 1,371  
Loans charged off     0       (499 )     0       0       0  
Loan recoveries     2       4       0       0       0  
  Net (charge-offs) recoveries     2       (495 )     0       0       0  
Provision for loan losses     45       150       0       0       0  
Balance at end of period   $ 1,073     $ 1,026     $ 1,371     $ 1,371     $ 1,371  
                                         
Allowance for loan losses as a percentage of total loans     1.15 %     1.21 %     1.62 %     1.62 %     1.69 %
Allowance for loan losses as a percentage of nonperforming loans     3065.71 %     1425.00 %     1904.17 %     620.36 %     209.95 %
Net charge-offs (recoveries) as a percentage of average loans     0.00 %     0.59 %     N/A       N/A       N/A  
Provision for loan losses as a percentage of average loans     0.05 %     0.18 %     N/A       N/A       N/A  
                                         
                                         
    Quarter Ending  
    Dec 31,     Sept. 30,     June 30,     March 31,     Dec 31,  
SELECTED RATIOS   2012     2012     2012     2012     2011  
                                         
Return on average assets (annualized)     1.50 %     1.47 %     1.56 %     1.52 %     1.45 %
                                         
Return on average equity (annualized)     12.96 %     12.63 %     12.90 %     12.79 %     12.95 %
                                         
Return on average equity (excluding unrealized gain on investments)     13.79 %     13.35 %     13.61 %     13.56 %     13.62 %
                                         
Average shareholders' equity to average assets     11.54 %     11.66 %     12.10 %     11.86 %     11.23 %
                                         
Yield on earning assets (tax equivalent)     3.84 %     3.82 %     4.19 %     4.14 %     4.05 %
                                         
Cost of interest bearing funds     0.37 %     0.45 %     0.54 %     0.57 %     0.70 %
                                         
Net interest margin (tax equivalent)     3.58 %     3.50 %     3.81 %     3.73 %     3.56 %
                                         
Efficiency ratio (tax equivalent)     43.97       38.20       39.59       40.71       40.55  
                                         
End of period book value per common share     18.26       19.23       18.79       18.20       18.05  
                                         
End of period book value (excluding unrealized gain on investments)     17.34       18.21       17.82       17.39       17.07  
                                         
End of period common shares outstanding     1,127       1,086       1,080       1,056       1,056  
 
 
TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
 
    12 Months Ending  
    December 31, 2012     December 31, 2011  
                                             
                    Tax                     Tax  
    Average               Equivalent     Average               Equivalent  
YIELD ANALYSIS   Balance     Interest   Yield     Yield     Balance     Interest   Yield     Yield  
                                                 
Interest Earning Assets:                                                
Short term investment     21,982     131   0.60 %   0.60 %     21,500     130   0.60 %   0.60 %
Investment securities     18,786     681   3.63 %   3.63 %     18,758     828   4.41 %   4.41 %
Tax Free securities     39,726     930   2.34 %   3.37 %     35,245     981   2.78 %   4.01 %
Loans     83,486     4,396   5.27 %   5.27 %     73,556     3,940   5.36 %   5.36 %
                                                 
Total Interest Earning Assets     163,980     6,138   3.74 %   3.99 %     149,059     5,879   3.94 %   4.23 %
                                                 
Noninterest Earning Assets:                                                
Cash and due from banks     3,568                       4,344                  
Other assets     4,592                       4,201                  
Allowance for loan losses     (1,258 )                     (1,371 )                
                                                 
Total Noninterest Earning Assets     6,902                       7,174                  
                                                 
Total Assets   $ 170,882                     $ 156,233                  
                                                 
Interest Bearing Liabilities:                                                
Transaction and Money Market accounts     87,411     351   0.40 %   0.40 %     79,916     549   0.69 %   0.69 %
Certificates and other time deposits     28,080     204   0.73 %   0.73 %     29,762     294   0.99 %   0.99 %
Other borrowings     387     1   0.26 %   0.26 %     503     2   0.40 %   0.40 %
                                                 
Total Interest Bearing Liabilities     115,878     556   1.92 %   1.92 %     110,181     845   0.77 %   0.77 %
                                                 
Noninterest Bearing Liabilities                                                
Demand deposits     33,866                       27,408                  
Other liabilities     1,004                       701                  
Shareholders' Equity     20,134                       17,943                  
                                                 
Total Liabilities and Shareholders Equity   $ 170,882                     $ 156,233                  
                                                 
Net Interest Income and Spread           5,582   1.82 %   2.07 %           5,034   3.18 %   3.47 %
                                                 
Net Interest Margin               3.40 %   3.65 %               3.38 %   3.67 %
                                                 
   
   
TRINITY BANK N.A.  
(Unaudited)  
(Dollars in thousands, except per share data)  
                         
    December 31           December 31        
    2012     %     2011     %  
LOAN PORTFOLIO                            
                             
Commercial and industrial     53,820     57.55 %     40,359     49.66 %
Real estate:                            
  Commercial     14,614     15.63 %     13,112     16.13 %
  Residential     13,862     14.82 %     16,400     20.18 %
  Construction and development     9,058     9.69 %     8,947     11.01 %
Consumer     2,169     2.32 %     2,454     3.02 %
                             
Total loans (gross)     93,523     100.00 %     81,272     100.00 %
                             
Unearned discounts     0     0.00 %     0     0.00 %
                             
Total loans (net)     93,523     100.00 %     81,272     100.00 %
                             
                             
    December 31           December 31        
    2012           2011        
REGULATORY CAPITAL DATA                            
                             
Tier 1 Capital   $ 19,546           $ 18,025        
Total Assets   $ 177,855           $ 166,046        
Tier 1 Capital Ratio     10.99 %           10.86 %      
                             
Total Risk-Based Capital   $ 20,619           $ 19,333        
Total Risk-Weighted Assets   $ 122,289           $ 104,570        
Total Risk-Based Capital Ratio     16.86 %           18.49 %      
                             
                             
OTHER DATA                            
Full Time Equivalent                            
Employees (FTE's)     14             14        
                             
Stock Price Range                            
(For the Three Months Ended):                            
  High   $ 33.00           $ 27.00        
  Low   $ 30.50           $ 24.10        
  Close   $ 33.00           $ 26.05        
Contact:
For information contact:
Richard Burt
Executive Vice President
Trinity Bank
817-763-9966

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