Trinity Bank 2015 2nd Quarter Net Income Up 14.3%; 2nd Quarter Earnings per Share Up 14.1%; 43rd Consecutive Quarter of Profit Improvement

FORT WORTH, TX--(Marketwired - Aug 3, 2015) - Trinity Bank N.A. (OTC: TYBT) today announced operating results for the second quarter and the six months ending June 30, 2015.

Results of Operation

For the second quarter 2015, Trinity Bank, N.A. reported Net Income after Taxes of $922,000, an increase of 14.3% over second quarter 2014 earnings of $807,000. Earnings per diluted common share for the second quarter 2015 amounted to $0.81, an increase of 14.1% over second quarter 2014 results of $0.71 per diluted common share.

For the first six months of 2015, Net Income after Taxes was $1,807,000, an increase of 14.5% over the first half of 2014 results of $1,578,000. Earnings per diluted common share for the first half of 2015 were $1.60, an increase of 15.1% over the first half of 2014 results of $1.39 per diluted common share.

President Jeffrey M. Harp stated, "Second quarter results were good due to:

1) Average loan volume for the second quarter increased 8.7%

2) Net Interest Margin increased slightly from 4.05% for 2Q2014 to 4.09% for 2Q2015

3) Income before tax and loan loss provision increased 18.2%

4) Efficiency ratio remains excellent at 36.8% (industry average is over 60%)

5) Return on Assets of 1.80% and Return on Equity of 14.7% represent new highs for Trinity Bank.

Trinity Bank continues to perform well. The North Texas economy is growing and diversified. We intend to grow as well by adding new staff in 2015 and expanding into a new banking facility in 2016."

Actual for Quarter
		3 Months				3 Months
(in 000's)
		06/30/2015				06/30/2014				%
Net Interest Income		$	1,857			$	1,663			11.7	%
Non-Interest Income			129				121			6.6	%
Non-Interest Expense			(805	)			(785	)		2.5	%
Pretax Preprovision Income			1,181				999			18.2	%
Gains on Sale of Securities and Foreclosed Assets			12				153			N/M
Loan Loss Provision			-				(75	)		N/M
Pretax Income			1,193				1,077			10.8	%
Income Tax			(271	)			(270	)		.4	%
Net Income		$	922			$	807			14.3	%
Diluted Weighted Average Shares			1,132				1,136
Earnings Per Share			.81				.71			14.1	%
Actual for 6 months
		6 Months				6 Months
(in 000's)
		06/30/2015				06/30/2014				%
Net Interest Income		$	3,620			$	3,276			10.5	%
Non-Interest Income			259				239			8.4	%
Non-Interest Expense			(1,619	)			(1,513	)		7.0	%
Pretax Preprovision Income			2,260				2,002			12.9	%
Gains on Sale of Securities and Foreclosed Assets			12				258			N/M
Gains on Sale of Foreclosed Assets			70				24			N/M
Loan Loss Provision			0				(150	)		N/M
Pretax Income			2,342				2,134			9.7	%
Income Tax			(535	)			(556	)		(3.8	%)
Net Income		$	1,807			$	1,578			14.5	%
Diluted Weighted Average Shares			1,132				1,136
Earnings Per Share			1.60				1.39			15.1	%

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 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									Six Months Ending
		June 30						%			June 30						%
EARNINGS SUMMARY		2015			2014			Change			2015			2014			Change
Interest income		$	1,953		$	1,758		11.1	%		$	3,814		$	3,467		10.0	%
Interest expense			96			95		1.1	%		$	194			191		1.6	%
Net Interest Income			1,857			1,663		11.7	%			3,620			3,276		10.5	%
Service charges on deposits			40			39		2.6	%		$	82			81		1.2	%
Other income			89			82		8.5	%		$	177			158		12.0	%
Total Non Interest Income			129			121		6.6	%			259			239		8.4	%
Salaries and benefits expense			454			377		20.4	%		$	883			754		17.1	%
Occupancy and equipment expense			65			69		-5.8	%		$	126			141		-10.6	%
Other expense			286			339		-15.6	%		$	610			618		-1.3	%
Total Non Interest Expense			805			785		2.5	%			1,619			1,513		7.0	%
Pretax pre-provision income			1,181			999		18.2	%			2,260			2,002		12.9	%
Gain on sale of securities			12			153		N/M			$	12			258		N/M
Gain on sale of foreclosed assets			0			0		N/M			$	70			24		N/M
Provision for Loan Losses			0			75		N/M				0			150		N/M
Earnings before income taxes			1,193			1,077		10.8	%			2,342			2,134		9.7	%
Provision for income taxes			271			270		0.4	%		$	535			556		-3.8	%
Net Earnings		$	922		$	807		14.3	%		$	1,807		$	1,578		14.5	%
Basic earnings per share			0.82			0.72		13.9	%			1.61			1.40		15.0	%
Basic weighted average shares			1,121			1,125						1,121			1,125
outstanding
Diluted earnings per share			0.81			0.71		14.1	%			1.60			1.39		15.1	%
Diluted weighted average shares outstanding			1,132			1,136						1,132			1,136
		Average for Quarter									Average for Six Months
		June 30						%			June 30						%
BALANCE SHEET SUMMARY		2015			2014			Change			2015			2014			Change
Total loans		$	116,614		$	107,290		8.7	%		$	113,866		$	106,021		7.4	%
Total short term investments			11,618			12,010		-3.3	%			16,226			11,256		44.2	%
Total investment securities			72,378			59,408		21.8	%			71,584			59,986		19.3	%
Earning assets			200,610			178,708		12.3	%			201,676			177,263		13.8	%
Total assets			205,394			183,720		11.8	%			206,442			182,113		13.4	%
Noninterest bearing deposits			58,601			47,495		23.4	%			58,451			46,219		26.5	%
Interest bearing deposits			119,895			112,580		6.5	%			121,371			112,642		7.7	%
Total deposits			178,496			160,075		11.5	%			179,822			158,861		13.2	%
Fed Funds Purchased and Repurchase Agreements			429			429		0.0	%			429			436		-1.6	%
Shareholders' equity		$	25,638		$	22,746		12.7	%		$	25,422		$	22,451		13.2	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Average for Quarter Ending
		June 30,			March 31,			Dec 31,			Sept. 30,			June 30,
BALANCE SHEET SUMMARY		2015			2015			2014			2014			2014
Total loans		$	116,614		$	111,088		$	109,401		$	108,469		$	107,290
Total short term investments			11,618			20,885			35,421			24,627			12,010
Total investment securities			72,378			70,779			65,080			59,950			59,408
Earning assets			200,610			202,752			209,902			193,046			178,708
Total assets			205,394			207,502			214,976			198,164			183,720
Noninterest bearing deposits			57,617			58,296			60,788			56,904			47,495
Interest bearing deposits			120,879			122,866			128,918			116,710			112,580
Total deposits			178,496			181,162			189,706			173,614			160,075
Fed Funds Purchased and Repurchase Agreements			429			429			430			429			429
Shareholders' equity		$	25,638		$	25,203		$	24,077		$	23,578		$	22,746
		Quarter Ended
HISTORICAL EARNINGS SUMMARY		June 30, 2015			March 31, 2015			Dec 31, 2014			Sept. 30, 2014			June 30, 2014
Interest income		$	1,953		$	1,862		$	1,853		$	1,806		$	1,758
Interest expense			96			98			105			98			95
Net Interest Income			1,857			1,764			1,748			1,708			1,663
Service charges on deposits			40			42			41			42			39
Other income			89			88			86			85			82
Total Non Interest Income			129			130			127			127			121
Salaries and benefits expense			454			429			613			381			377
Occupancy and equipment expense			65			61			64			68			69
Other expense			286			323			101			283			339
Total Non Interest Expense			805			813			778			732			785
Pretax pre-provision income			1,181			1,081			1,097			1,103			999
Gain on sale of securities			12			0			0			0			153
Gain on sale of foreclosed assets			0			70			0			23			0
Provision for Loan Losses			0			0			28			28			75
Earnings before income taxes			1,193			1,151			1,069			1,098			1,077
Provision for income taxes			271			265			212			266			270
Net Earnings		$	922		$	886		$	857		$	832		$	807
Diluted earnings per share		$	0.81		$	0.78		$	0.76		$	0.73		$	0.71

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			Ending Balance
HISTORICAL BALANCE SHEET			June 30, 2015				March 31, 2015				Dec 31, 2014				Sept. 30, 2014				June 30, 2014
Total loans			$	120,706			$	112,689			$	115,156			$	110,778			$	108,648
Total short term investments				8,158				20,562				26,587				31,928				11,507
Total investment securities				70,523				71,606				68,132				61,731				58,067
Total earning assets				199,387				204,857				209,875				204,437				178,222
Allowance for loan losses				(1,518	)			(1,477	)			(1,475	)			(1,447	)			(1,371	)
Premises and equipment				1,286				1,223				1,240				1,265				1,281
Other Assets				4,700				4,941				5,834				4,740				6,446
Total assets				203,855				209,544				215,474				208,995				184,578
Noninterest bearing deposits				59,449				61,777				56,554				59,336				50,548
Interest bearing deposits				117,515				121,244				133,289				124,676				110,131
Total deposits				176,964				183,021				189,843				184,012				160,679
Fed Funds Purchased and Repurchase Agreements				429				429				430				430				429
Other Liabilities				604				1,051				663				970				403
Total liabilities				177,997				184,501				190,936				185,412				161,511
Shareholders' Equity Actual				25,408				24,486				24,026				23,162				22,835
Unrealized Gain - AFS				450				557				512				421				231
	Total Equity		$	25,858			$	25,043			$	24,538			$	23,583			$	23,066
			Quarter Ending
NONPERFORMING ASSETS			June 30, 2015				March 31, 2015				Dec 31, 2014				Sept. 30, 2014				June 30, 2014
Nonaccrual loans			$	0			$	0			$	0			$	0			$	0
Restructured loans			$	0			$	0			$	0			$	0			$	0
Other real estate & foreclosed assets			$	0			$	0			$	300			$	300			$	300
Accruing loans past due 90 days or more			$	0			$	0			$	0			$	0			$	0
Total nonperforming assets			$	0			$	0			$	300			$	300			$	300
Accruing loans past due 30-89 days			$	0			$	0			$	0			$	0			$	0
Total nonperforming assets as a percentage of loans and foreclosed assets				0.00	%			0.00	%			0.26	%			0.27	%			0.28	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			Quarter Ending
ALLOWANCE FOR LOAN LOSSES			June 30, 2015				March 31, 2015				Dec 31, 2014				Sept. 30, 2014				June 30, 2014
Balance at beginning of period			$	1,477			$	1,475			$	1,447			$	1,371			$	1,396
Loans charged off				0				0				0				0				102
Loan recoveries				41				2				1				48				2
	Net (charge-offs) recoveries			41				2				1				48				(100	)
Provision for loan losses				0				0				27				28				75
Balance at end of period			$	1,518			$	1,477			$	1,475			$	1,447			$	1,371
Allowance for loan losses as a percentage of total loans				1.26	%			1.31	%			1.28	%			1.31	%			1.26	%
Allowance for loan losses as a percentage of nonperforming assets				N/A				N/A				492	%			482	%			457	%
Net charge-offs (recoveries) as a percentage of average loans				(0.04	%)			N/A				N/A				(0.04	%)			0.09	%
Provision for loan losses as a percentage of average loans				N/A				N/A				0.02	%			0.03	%			0.07	%
			Quarter Ending
SELECTED RATIOS			June 30, 2015				March 31, 2015				Dec 31, 2014				Sept. 30, 2014				June 30, 2014
Return on average assets (annualized)				1.80	%			1.71	%			1.59	%			1.68	%			1.76	%
Return on average equity (annualized)				14.38	%			14.06	%			14.22	%			14.12	%			14.19	%
Return on average equity (excluding unrealized gain on investments)				14.77	%			14.47	%			14.51	%			14.34	%			14.36	%
Average shareholders' equity to average assets				12.48	%			12.15	%			11.20	%			11.90	%			12.38	%
Yield on earning assets (tax equivalent)				4.28	%			4.04	%			4.07	%			4.07	%			4.26	%
Effective Cost of Funds				0.19	%			0.20	%			0.21	%			0.20	%			0.21	%
Net interest margin (tax equivalent)				4.09	%			3.84	%			3.86	%			3.87	%			4.05	%
Efficiency ratio (tax equivalent)				36.8	%			39.1	%			37.7	%			36.7	%			40.7	%
End of period book value per common share			$	23.07			$	22.34			$	21.89			$	21.02			$	20.50
End of period book value (excluding unrealized gain on investments)			$	22.67			$	21.84			$	21.43			$	20.64			$	20.30
End of period common shares outstanding (in 000's)				1,121				1,121				1,121				1,122				1,125

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Quarter Ending
		June 30, 2015									June 30, 2014
									Tax									Tax
		Average							Equivalent		Average							Equivalent
YIELD ANALYSIS		Balance			Interest		Yield		Yield		Balance			Interest		Yield		Yield
Interest Earning Assets:
Short term investment		$	11,618		17		0.59%		0.59%		$	12,010		18		0.60%		0.60%
Investment securities			370		6		6.00%		6.00%			4,562		41		3.59%		3.59%
Tax Free securities			72,008		443		2.46%		3.55%			54,846		327		2.38%		3.44%
Loans			116,614		1,487		5.10%		5.10%			107,290		1,372		5.12%		5.12%
Total Interest Earning Assets			200,610		1,953		3.89%		4.28%			178,708		1,758		3.93%		4.26%
Noninterest Earning Assets:
Cash and due from banks			3,445									3,516
Other assets			2,819									2,843
Allowance for loan losses			(1,480)									(1,347)
Total Noninterest Earning Assets			4,784									5,012
Total Assets		$	205,394								$	183,720
Interest Bearing Liabilities:
Transaction and Money Market accounts			98,955		66		0.27%		0.27%			87,464		59		0.27%		0.27%
Certificates and other time deposits			21,924		30		0.55%		0.55%			25,116		36		0.57%		0.57%
Other borrowings			429		0		0.25%		0.25%			429		0		0.25%		0.25%
Total Interest Bearing Liabilities			121,308		96		0.32%		0.32%			113,009		95		0.34%		0.34%
Noninterest Bearing Liabilities
Demand deposits			57,617									47,495
Other liabilities			831									470
Shareholders' Equity			25,638									22,746
Total Liabilities and Shareholders Equity		$	205,394								$	183,720
Net Interest Income and Spread					1,857		3.58%		3.97%					1,663		3.59%		3.92%
Net Interest Margin							3.70%		4.09%							3.72%		4.05%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			June 30							June 30
			2015				%			2014				%
LOAN PORTFOLIO
Commercial and industrial			$	64,360			53.32	%		$	58,814			54.13	%
Real estate:
	Commercial			22,427			18.58	%			18,412			16.95	%
	Residential			19,936			16.52	%			21,075			19.40	%
	Construction and development			12,737			10.55	%			7,873			7.25	%
Consumer				1,246			1.03	%			2,473			2.28	%
Total loans (gross)				120,706			100.00	%			108,647			100.00	%
Unearned discounts				0			0.00	%			0			0.00	%
Total loans (net)			$	120,706			100.00	%		$	108,647			100.00	%
			June 30							June 30
			2015							2014
REGULATORY CAPITAL DATA
Tier 1 Capital			$	25,413						$	22,835
Total Capital (Tier 1 + Tier 2)			$	26,931						$	24,206
Total Risk-Adjusted Assets			$	131,732						$	115,772
Tier 1 Risk-Based Capital Ratio				19.29	%						19.72	%
Total Risk-Based Capital Ratio				20.44	%						20.91	%
Tier 1 Leverage Ratio				12.37	%						12.43	%
OTHER DATA
Full Time Equivalent
	Employees (FTE's)			16							15
Stock Price Range
	(For the Three Months Ended):
	High		$	70.00						$	38.00
	Low		$	47.00						$	37.50
	Close		$	61.00						$	38.00