Trinity Bank Reports Record Earnings and Both Regular and Special Cash Dividends

FORT WORTH, TX--(Marketwire - Oct 31, 2012) - Trinity Bank, N.A. (OTCBB: TYBT) today announced operating results for the third quarter and the nine months ending September 30, 2012.

Results of Operations

For the third quarter of 2012, Trinity Bank, N.A. reported Net Income after Taxes of $651,000, an increase of 12.2% over third quarter 2011 earnings of $580,000. Earnings per diluted common share for the third quarter 2012 amounted to $.57, an increase of 11.8% over third quarter 2011 results of $.51 per diluted common share.

For the first nine months of 2012, Net Income after Taxes was $1,915,000, an increase of 14.2% over the nine month 2011 results of $1,677,000. Earnings per diluted common share for the first nine months of 2012 were $1.69, an increase of 14.2% over 2011 nine months results of $1.48 per diluted common share.

Jeffrey M. Harp, President, stated, "Third quarter results were good. Return on Assets and Return on Equity both remain well above national and local peer group results. During the third quarter of 2012, Trinity incurred its first loan losses -- 3 loans charged off totaling $495,000. We do not feel that this is the beginning of a trend or an indication that our credit underwriting standards need to be strengthened. It is highly unusual for any bank to go more than 9 years without a single loss. On a positive note, we had accumulated enough reserves to take the losses without significantly affecting current income."

Also from a positive perspective, on October 9^th, Trinity Bank declared a $.20 regular dividend and a $1.00 special dividend payable November 15, 2012 to shareholders of record on October 31, 2012.

Harp reported, "We are pleased to provide a tangible return to our shareholders at a time when tax rates are probably at an all-time low. After the dividend, our Capital ratio remains strong, and we are in a position to take advantage of any opportunities that become available to increase shareholder value."

Actual for Quarter Ending
(in 000's except for Earnings per Share)
		3 Months				3 Months
		9-30-12				9-30-11				%
Net Income		$	651			$	580			12.2	%
Diluted Weighted Average Shares			1,137				1,131
Earnings per Share		$	0.57			$	0.51			11.8	%
Return on Assets			1.47	%			1.50	%
Return on Equity			13.35	%			13.26	%
Actual for Nine Months Ending
		9 Months				9 Months
		9-30-12				9-30-11
Net Income		$	1,915			$	1,677			14.2	%
Diluted Weighted Average Shares			1,132				1,131
Earnings per Share		$	1.69			$	1.48			14.2	%

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									Nine Months Ended
		September 30						%			September 30						%
EARNINGS SUMMARY		2012			2011			Change			2012			2011			Change
Interest income			1,526			1,471		3.7	%			4,595			4,371		5.1	%
Interest expense			134			203		-34.0	%			446			646		-31.0	%
Net Interest Income			1,392			1,268		9.8	%			4,149			3,725		11.4	%
Provision for Loan Losses			150			0		N/A				150			0		N/A
Service charges on deposits			37			35		5.7	%			112			101		10.9	%
Net gain on securities available for sale			153			40		282.5	%			170			97		75.3	%
Other income			56			92		-39.1	%			177			232		-23.7	%
Total Non Interest Income			246			167		47.3	%			459			430		6.7	%
Salaries and benefits expense			342			317		7.9	%			982			969		1.3	%
Occupancy and equipment expense			74			82		-9.8	%			223			236		-5.5	%
Other expense			190			271		-29.9	%			682			749		-8.9	%
Total Non Interest Expense			606			670		-9.6	%			1,887			1,954		-3.4	%
Earnings before income taxes			882			765		15.3	%			2,571			2,201		16.8	%
Provision for income taxes			231			185		24.9	%			656			524		25.2	%
Net Earnings			651			580		12.2	%			1,915			1,677		14.2	%
Basic earnings per share			0.60			0.54		11.1	%			1.79			1.57		14.0	%
Basic weighted average shares outstanding			1,079			1,070						1,071			1,070
Diluted earnings per share			0.57			0.51		11.8	%			1.69			1.48		14.2	%
Diluted weighted average shares outstanding			1,137			1,131						1,132			1,131
		Average for Quarter									Average for Nine Months
		Ending September 30						%			Ending September 30						%
BALANCE SHEET SUMMARY		2012			2011			Change			2012			2011			Change
Total loans		$	83,792		$	74,941		11.8	%		$	82,691		$	72,588		13.9	%
Total short term investments			27,327			21,204		28.9	%			20,949			19,727		6.2	%
Total investment securities			58,929			51,908		13.5	%			58,140			53,076		9.5	%
Earning assets			170,048			148,053		14.9	%			161,780			145,391		11.3	%
Total assets			176,847			154,363		14.6	%			168,541			152,810		10.3	%
Noninterest bearing deposits			35,755			27,706		29.1	%			32,695			26,076		25.4	%
Interest bearing deposits			119,186			107,061		11.3	%			114,627			107,902		6.2	%
Total deposits			154,941			134,767		15.0	%			147,322			133,978		10.0	%
Fed Funds Purchased and Repurchase Agreements			395			411		-3.9	%			366			476		-23.1	%
Shareholders' equity			20,621			18,401		12.1	%			20,002			17,692		13.1	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Average for Quarter Ending
		Sept. 30,				June 30,			March 31,			Dec 31,			Sept. 30,
BALANCE SHEET SUMMARY		2012				2012			2012			2011			2011
Total loans		$	83,792			$	83,133		$	81,136		$	76,426		$	74,941
Total short term investments			27,327				16,955			18,495			26,760			21,204
Total investment securities			58,929				58,031			57,451			56,751			51,908
Earning assets			170,048				158,119			157,082			159,937			148,053
Total assets			176,847				164,933			163,755			166,392			154,363
Noninterest bearing deposits			35,755				31,337			29,804			32,552			27,706
Interest bearing deposits			119,186				112,538			113,263			113,758			107,061
Total deposits			154,941				143,875			143,067			146,310			134,767
Fed Funds Purchased and Repurchase Agreements			395				251			450			584			411
Shareholders' equity			20,621				19,962			19,416			18,690			18,401
		Quarter Ended
		Sept. 30,				June 30,			March 31,			Dec 31,			Sept. 30,
HISTORICAL EARNINGS SUMMARY		2012				2012			2012			2011			2011
Interest income			1,526				1,554			1,514			1,509			1,471
Interest expense			134				151			161			199			203
Net Interest Income			1,392				1,403			1,353			1,310			1,268
Provision for Loan Losses			150				0			0			0			0
Service charges on deposits			37				28			37			37			35
Net gain on securities available for sale			153				0			17			18			40
Other income			56				72			59			55			92
Total Non Interest Income			246				100			113			110			167
Salaries and benefits expense			342				309			331			450			317
Occupancy and equipment expense			74				76			74			81			82
FDIC expense			(59	)			14			14			45			45
Other expense			249				238			223			45			226
Total Non Interest Expense			606				637			642			621			670
Earnings before income taxes			882				866			824			799			765
Provision for income taxes			231				222			203			194			185
Net Earnings			651				644			621			605			580

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			Ending Balance
			Sept. 30,				June 30,				March 31,				Dec 31,				Sept. 30,
HISTORICAL BALANCE SHEET			2012				2012				2012				2011				2011
Total loans			$	84,625			$	83,510			$	84,808			$	81,272			$	76,180
Total short term investments				30,196				16,923				18,681				19,279				27,716
Total investment securities				58,166				61,625				56,640				58,540				53,370
Total earning assets				172,987				162,058				160,129				159,091				157,266
Allowance for loan losses				(1,026	)			(1,371	)			(1,371	)			(1,371	)			(1,371	)
Premises and equipment				1,322				1,340				1,368				1,378				1,413
Other Assets				6,040				6,469				6,706				7,843				6,209
Total assets				179,323				168,496				166,832				166,941				163,517
Noninterest bearing deposits				36,826				33,721				32,239				34,203				33,733
Interest bearing deposits				120,298				113,377				114,268				112,163				109,722
Total deposits				157,124				147,098				146,507				146,366				143,455
Fed Funds Purchased and Repurchase Agreements				409				294				203				713				398
Other Liabilities				910				809				898				792				896
Total liabilities				158,443				148,201				147,608				147,871				144,749
Shareholders' Equity Actual				19,775				19,244				18,368				18,025				17,667
Unrealized Gain - AFS				1,105				1,051				856				1,045				1,100
	Total Equity			20,880				20,295				19,224				19,070				18,767
			Quarter Ending
			Sept. 30,				June 30,				March 31,				Dec 31,				Sept. 30,
NONPERFORMING ASSETS			2012				2012				2012				2011				2011
Nonaccrual loans			$	0			$	528			$	221			$	653			$	735
Restructured loans			$	0			$	0			$	0			$	0			$	0
Other real estate & foreclosed assets			$	72			$	0			$	0			$	0			$	0
Accruing loans past due 90 days or more			$	0			$	0			$	0			$	0			$	0
Total nonperforming assets			$	72			$	528			$	221			$	653			$	735
Accruing loans past due 30-89 days			$	0			$	0			$	0			$	0			$	0
Total nonperforming assets as a percentage of loans and foreclosed assets				0.09	%			0.63	%			0.26	%			0.80	%			0.96	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Quarter Ending
ALLOWANCE FOR		Sept. 30,				June 30,				March 31,				Dec 31,				Sept. 30,
LOAN LOSSES		2012				2012				2012				2011				2011
Balance at beginning of period		$	1,371			$	1,371			$	1,371			$	1,371			$	1,371
Loans charged off			(499	)			0				0				0				0
Loan recoveries			4				0				0				0				0
Net (charge-offs) recoveries			(495	)			0				0				0				0
Provision for loan losses			150				0				0				0				0
Balance at end of period		$	1,026			$	1,371			$	1,371			$	1,371			$	1,371
Allowance for loan losses as a percentage of total loans			1.21	%			1.64	%			1.62	%			1.69	%			1.80	%
Allowance for loan losses as a percentage of nonperforming loans			1425.00	%			259.66	%			620.36	%			209.95	%			186.53	%
Net charge-offs (recoveries) as a percentage of average loans			0.59	%			N/A				N/A				N/A				N/A
Provision for loan losses as a percentage of average loans			0.18	%			N/A				N/A				N/A				N/A
		Quarter Ending
		Sept. 30,				June 30,				March 31,				Dec 31,				Sept. 30,
SELECTED RATIOS		2012				2012				2012				2011				2011
Return on average assets (annualized)			1.47	%			1.56	%			1.52	%			1.45	%			1.50	%
Return on average equity (annualized)			12.63	%			12.90	%			12.79	%			12.95	%			12.61	%
Return on average equity (excluding unrealized gain on investments)			13.35	%			13.61	%			13.56	%			13.62	%			13.26	%
Average shareholders' equity to average assets			11.66	%			12.10	%			11.86	%			11.23	%			11.92	%
Yield on earning assets (tax equivalent)			3.82	%			4.19	%			4.14	%			4.05	%			4.26	%
Cost of interest bearing funds			0.45	%			0.54	%			0.57	%			0.70	%			0.76	%
Net interest margin (tax equivalent)			3.50	%			3.81	%			3.73	%			3.56	%			3.72	%
Efficiency ratio (tax equivalent)			38.20				39.59				40.71				40.55				43.42
End of period book value per common share			19.23				18.79				18.20				18.05				17.60
End of period book value (excluding unrealized gain on investments)			18.21				17.82				17.39				17.07				16.57
End of period common shares outstanding			1,086				1,080				1,056				1,056				1,066

TRINITY BANK N.A.

(Unaudited)

(Dollars in thousands, except per share data)

		3 Months Ending
		September 30, 2012												September 30, 2011
											Tax												Tax
		Average									Equivalent			Average									Equivalent
YIELD ANALYSIS		Balance				Interest		Yield			Yield			Balance				Interest		Yield			Yield
Interest Earning Assets:
Short term investment			27,327			29		0.42	%		0.42	%			21,204			29		0.55	%		0.55	%
Investment securities			20,433			185		3.62	%		3.62	%			16,973			184		4.34	%		4.34	%
Tax Free securities			38,496			224		2.33	%		3.35	%			34,935			245		2.81	%		4.04	%
Loans			83,792			1,088		5.19	%		5.19	%			74,941			1,013		5.41	%		5.41	%
Total Interest Earning Assets			170,048			1,526		3.59	%		3.82	%			148,053			1,471		3.97	%		4.26	%
Noninterest Earning Assets:
Cash and due from banks			3,460												3,332
Other assets			4,585												4,349
Allowance for loan losses			(1,246	)											(1,371	)
Total Noninterest Earning Assets			6,799												6,310
Total Assets		$	176,847											$	154,363
Interest Bearing Liabilities:
Transaction and Money Market accounts			91,440			85		0.37	%		0.37	%			78,162			135		0.69	%		0.69	%
Certificates and other time deposits			27,746			49		0.71	%		0.71	%			28,899			68		0.94	%		0.94	%
Other borrowings			395			0		N/A			N/A				411			1		0.49	%		0.49	%
Total Interest Bearing Liabilities			119,581			134		0.45	%		0.45	%			107,472			204		0.76	%		0.76	%
Noninterest Bearing Liabilities
Demand deposits			35,755												27,706
Other liabilities			890												784
Shareholders' Equity			20,621												18,401
Total Liabilities and Shareholders Equity		$	176,847											$	154,363
Net Interest Income and Spread						1,392		3.14	%		3.37	%						1,268		3.22	%		3.50	%
Net Interest Margin								3.27	%		3.50	%								3.43	%		3.72	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			September 30							September 30
			2012				%			2011				%
LOAN PORTFOLIO
Commercial and industrial				42,236			49.91	%			35,539			46.65	%
Real estate:
	Commercial			16,227			19.18	%			12,729			16.71	%
	Residential			17,697			20.91	%			16,231			21.31	%
	Construction and development			6,127			7.24	%			9,858			12.94	%
Consumer				2,338			2.76	%			1,823			2.39	%
Total loans (gross)				84,625			100.00	%			76,180			100.00	%
Unearned discounts				0			0.00	%			0			0.00	%
Total loans (net)				84,625			100.00	%			76,180			100.00	%
			September 30							September 30
			2012							2011
REGULATORY CAPITAL DATA
Tier 1 Capital			$	19,775						$	17,667
Total Assets			$	176,847						$	154,021
Tier 1 Capital Ratio				11.18	%						11.47	%
Total Capital			$	20,801						$	18,921
Total Risk-Weighted Assets			$	111,236						$	100,262
Total Risk-Based Capital Ratio				18.70	%						18.87	%
OTHER DATA
Full Time Equivalent Employees (FTE's)				14							14
Stock Price Range
(For the Three Months Ended):
	High		$	30.50						$	27.00
	Low		$	30.00						$	25.00
	Close		$	30.50						$	26.05