Trinity Bank "Streak" Continues: Every Year Since

FORT WORTH, TX--(Marketwired - Jan 31, 2017) - Trinity Bank N.A. ( OTC : TYBT )

• 2016 Earnings Per Share increased 7.8% over 2015 results
• Strong Equity to Assets ratio of 12.65%
• Return on Assets of 1.79% and Return on Equity of 14.32% reflect excellent performance

Trinity Bank N.A. ( OTC : TYBT ) today announced financial and operating results for the fourth quarter and for the twelve months ended December 31, 2016.

Trinity Bank, N.A. reported Net Income after Taxes for the fourth quarter of 2016 of $1,072,000 or $.96 per diluted common share, compared to $977,000 or $.86 per diluted common share for the fourth quarter of 2015, an increase of 11.3%.

For the year 2016, Net Income After Taxes amounted to $4,009,000, or $3.56 per diluted common share, compared to $3,733,000, or $3.30 per diluted common share for 2015, an increase of 7.8%.

Jeffrey M. Harp, President, stated, "Operating results for 2016 represent our 13 ^th consecutive year of improved performance. Trinity Bank produced a number of firsts in 2016.

1) First year to earn $4,000,000 in Net Income After Tax 2) First quarter to earn over $1,000,000 (both 3Q and 4Q) 3) First year to pay out more than $1,000,000 in dividends

While we are pleased with these milestones, Trinity Bank faces challenges as we add staff and increase the size of our banking facility. These investments in people and space are necessary for us to continue to make progress in the future. As shown below, Trinity continues to perform at a high level. Results for both ROA and ROE would place Trinity in the top 5% of the banks in the U.S."

	For Year Ending
		2016			2015			2014			2013			2012			2011
Return on Assets		1.79	%		1.79	%		1.68	%		1.58	%		1.51	%		1.46	%
Return on Equity
(excluding unrealized gain on securities)		14.32	%		14.69	%		14.29	%		13.83	%		13.21	%		13.22	%

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									Twelve Months Ending
		December 31						%			December 31						%
EARNINGS SUMMARY		2016			2015			Change			2016			2015			Change
Interest income		$	2,050		$	2,070		-1.0	%		$	8,120		$	7,890		2.9	%
Interest expense			138			107		29.0	%		$	534		$	398		34.2	%
Net Interest Income			1,912			1,963		-2.6	%			7,586			7,492		1.3	%
Service charges on deposits			42			50		-16.0	%		$	156		$	186		-16.1	%
Other income			89			87		2.3	%			397		$	340		16.8	%
Total Non Interest Income			131			137		-4.4	%			553			526		5.1	%
Salaries and benefits expense			526			627		-16.1	%		$	2,031		$	2,024		0.3	%
Occupancy and equipment expense			77			68		13.2	%		$	302		$	264		14.4	%
Other expense			210			149		40.9	%		$	1,046		$	1,013		3.3	%
Total Non Interest Expense			813			844		-3.7	%			3,379			3,301		2.4	%
Pretax pre-provision income			1,230			1,256		-2.1	%			4,760			4,717		0.9	%
Gain on sale of securities			79			18		N/M			$	263		$	61		N/M
Gain on sale of foreclosed assets			0			0		N/M			$	0		$	70		N/M
Gain on sale of other assets			0			21		N/M			$	41		$	21		N/M
Provision for Loan Losses			0			76		N/M				0			76		N/M
Earnings before income taxes			1,309			1,219		7.4	%			5,064			4,793		5.7	%
Provision for income taxes			237			242		-2.1	%		$	1,055		$	1,060		-0.5	%
Net Earnings		$	1,072		$	977		9.7	%		$	4,009		$	3,733		7.4	%
Basic earnings per share			0.97			0.87		11.1	%			3.59			3.33		7.9	%
Basic weighted average shares			1,109			1,121						1,116			1,121
outstanding
Diluted earnings per share			0.96			0.86		11.3	%			3.56			3.30		7.8	%
Diluted weighted average shares outstanding			1,120			1,132						1,127			1,132
			Average for Quarter									Twelve Months Ending
			December 31					%				December 31					%
BALANCE SHEET SUMMARY			2016			2015		Change				2016			2015		Change
Total loans		$	124,012		$	124,316		-0.2	%		$	121,267		$	117,821		2.9	%
Total short term investments			21,884			16,894		29.5	%			17,355			15,502		12.0	%
Total investment securities			81,207			71,663		13.3	%			79,629			71,068		12.0	%
Earning assets			227,103			212,873		6.7	%			218,251			204,391		6.8	%
Total assets			232,931			217,961		6.9	%			223,624			209,627		6.7	%
Noninterest bearing deposits			72,209			67,719		6.6	%			64,586			60,101		7.5	%
Interest bearing deposits			129,186			120,853		6.9	%			127,783			121,879		4.8	%
Total deposits			201,395			188,572		6.8	%			192,369			181,980		5.7	%
Fed Funds Purchased and Repurchase Agreements			361			361		0.0	%			359			412		-12.9	%
Shareholders' equity		$	29,946		$	27,733		8.0	%		$	29,613		$	26,315		12.5	%

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		2016			2016			2016			2016			2015
Total loans		$	124,012		$	120,931		$	118,028		$	122,069		$	124,316
Total short term investments			21,884			14,035			16,766			16,414			16,894
Total investment securities			81,207			81,166			80,062			76,418			71,663
Earning assets			227,103			216,132			214,856			214,901			212,873
Total assets			232,931			221,332			219,895			220,262			217,961
Noninterest bearing deposits			72,209			61,241			58,456			63,433			67,719
Interest bearing deposits			129,186			128,103			130,204			126,587			120,853
Total deposits			201,395			189,344			188,660			190,020			188,572
Fed Funds Purchased and Repurchase Agreements			361			361			358			355			361
Shareholders' equity		$	29,746		$	30,278		$	29,460		$	28,758		$	27,733
			Quarter Ended
			Dec 31,			Sept. 30,			June 30,			March 31,			Dec 31,
HISTORICAL EARNINGS SUMMARY			2016			2016			2016			2016			2015
Interest income		$	2,050		$	2,010		$	2,016		$	2,043		$	2,070
Interest expense			138			136			134			126			107
Net Interest Income			1,912			1,874			1,882			1,917			1,963
Service charges on deposits			42			38			37			39			50
Other income			89			115			87			104			87
Total Non Interest Income			131			153			124			143			137
Salaries and benefits expense			526			476			520			509			627
Occupancy and equipment expense			77			72			76			78			68
Other expense			210			268			267			298			149
Total Non Interest Expense			813			816			863			885			844
Pretax pre-provision income			1,230			1,211			1,143			1,175			1,256
Gain on sale of securities			79			91			67			27			18
Gain on sale of foreclosed assets			0			0			0			0			0
Gain on sale of other assets			0			0			19			22			21
Provision for Loan Losses			0			0			0			0			76
Earnings before income taxes			1,309			1,302			1,229			1,224			1,219
Provision for income taxes			237			283			263			272			242
Net Earnings		$	1,072		$	1,019		$	966		$	952		$	977
Diluted earnings per share		$	0.96		$	0.91		$	0.86		$	0.84		$	0.86

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		2016				2016				2016				2016				2015
Total loans		$	132,140			$	123,995			$	117,616			$	120,214			$	127,871
Total short term investments			9,615				12,817				13,269				21,082				20,095
Total investment securities			83,241				80,951				79,974				78,737				72,616
Total earning assets			224,996				217,763				210,859				220,033				220,582
Allowance for loan losses			(1,652	)			(1,644	)			(1,633	)			(1,624	)			(1,613	)
Premises and equipment			2,525				1,764				1,425				1,444				1,397
Other Assets			6,875				8,918				5,353				5,189				8,008
Total assets			232,744				226,801				216,004				225,042				228,374
Noninterest bearing deposits			74,537				67,702				59,753				63,151				73,078
Interest bearing deposits			127,986				127,123				124,839				130,828				125,772
Total deposits			202,523				194,825				184,592				193,979				198,850
Fed Funds Purchased and Repurchase Agreements			361				361				361				355				355
Other Liabilities			472				1,793				1,235				1,842				1,095
Total liabilities			203,356				196,979				186,188				196,176				200,300
Shareholders' Equity Actual			29,201				28,106				28,097				27,180				26,755
Unrealized Gain - AFS			187				1,716				1,719				1,686				1,319
Total Equity		$	29,388			$	29,822			$	29,816			$	28,866			$	28,074
		Quarter Ending
		Dec 31,				Sept. 30,				June 30,				March 31,				Dec 31,
NONPERFORMING ASSETS		2016				2016				2016				2015				2015
Nonaccrual loans		$	2,753			$	3,173			$	1,349			$	1,383			$	0
Restructured loans		$	0			$	0			$	0			$	0			$	0
Other real estate & foreclosed assets		$	0			$	0			$	0			$	0			$	0
Accruing loans past due 90 days or more		$	0			$	0			$	0			$	0			$	0
Total nonperforming assets		$	2,753			$	3,173			$	1,349			$	1,383			$	0
Accruing loans past due 30-89 days		$	121			$	0			$	0			$	0			$	0
Total nonperforming assets as a percentage
of loans and foreclosed assets			2.08	%			2.56	%			1.15	%			1.15	%			0.00	%

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			2016				2016				2016				2016				2015
Balance at beginning of period			$	1,644			$	1,633			$	1,624			$	1,613			$	1,528
Loans charged off				0				0				0				0				0
Loan recoveries				8				11				9				11				9
	Net (charge-offs) recoveries			8				11				9				11				9
Provision for loan losses				0				0				0				0				76
Balance at end of period			$	1,652			$	1,644			$	1,633			$	1,624			$	1,613
Allowance for loan losses
as a percentage of total loans				1.25	%			1.33	%			1.39	%			1.35	%			1.26	%
Allowance for loan losses
as a percentage of nonperforming assets				60	%			52	%			121	%			117	%			N/A
Net charge-offs (recoveries) as a
percentage of average loans				-0.01	%			-0.01	%			-0.01	%			-0.01	%			-0.01	%
Provision for loan losses
as a percentage of average loans				N/A				N/A				N/A				N/A				0.06	%
			Quarter Ending
			Dec 31,				Sept. 30,				June 30,				March 31,				Dec 31,
SELECTED RATIOS			2016				2016				2016				2016				2015
Return on average assets (annualized)				1.84	%			1.84	%			1.76	%			1.73	%			1.79	%
Return on average equity (annualized)				14.32	%			13.46	%			13.12	%			13.19	%			14.09	%
Return on average equity (excluding unrealized gain on investments)				14.97	%			14.33	%			13.97	%			14.01	%			14.84	%
Average shareholders' equity to average assets				12.86	%			13.68	%			13.40	%			13.06	%			12.72	%
Yield on earning assets (tax equivalent)				4.13	%			4.14	%			4.16	%			4.32	%			4.23	%
Effective Cost of Funds				0.25	%			0.26	%			0.25	%			0.24	%			0.20	%
Net interest margin (tax equivalent)				3.88	%			3.88	%			3.92	%			4.08	%			4.03	%
Efficiency ratio (tax equivalent)				35.8	%			36.2	%			38.8	%			38.4	%			36.2	%
End of period book value per common share			$	26.50			$	26.89			$	26.67			$	25.77			$	25.07
End of period book value (excluding unrealized gain on investments)			$	26.33			$	25.34			$	25.13			$	24.27			$	23.89
End of period common shares outstanding (in 000's)				1,109				1,109				1,118				1,120				1,120

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Twelve Months Ending
		December 31, 2016												December 31, 2015
											Tax												Tax
		Average									Equivalent			Average									Equivalent
YIELD ANALYSIS		Balance				Interest		Yield			Yield			Balance				Interest		Yield			Yield
Interest Earning Assets:
Short term investment		$	16,983			137		0.81	%		0.81	%		$	15,502			96		0.62	%		0.62	%
Investment securities			372			24		6.00	%		6.00	%			370			22		5.95	%		5.95	%
Tax Free securities			79,629			2,007		2.52	%		3.63	%			71,068			1,740		2.45	%		3.53	%
Loans			121,267			5,952		4.91	%		4.91	%			117,821			6,032		5.12	%		5.12	%
Total Interest Earning Assets			218,251			8,120		3.72	%		4.13	%			204,761			7,890		3.85	%		4.23	%
Noninterest Earning Assets:
Cash and due from banks			3,968												3,612
Other assets			3,038												2,757
Allowance for loan losses			(1,633	)											(1,503	)
Total Noninterest Earning Assets			5,373												4,866
Total Assets		$	223,624											$	209,627
Interest Bearing Liabilities:
Transaction and Money Market accounts			102,554			319		0.31	%		0.31	%			99,705			273		0.27	%		0.27	%
Certificates and other time deposits			25,249			214		0.85	%		0.85	%			22,175			124		0.56	%		0.56	%
Other borrowings			359			1		0.28	%		0.28	%			412			1		0.24	%		0.24	%
Total Interest Bearing Liabilities			128,162			534		0.42	%		0.42	%			122,292			398		0.33	%		0.33	%
Noninterest Bearing Liabilities
Demand deposits			64,566												60,101
Other liabilities			1,283												919
Shareholders' Equity			29,613												26,315
Total Liabilities and Shareholders Equity		$	223,624											$	209,627
Net Interest Income and Spread						7,586		3.30	%		3.71	%						7,492		3.53	%		3.91	%
Net Interest Margin								3.48	%		3.88	%								3.66	%		4.03	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			December 31							December 31
			2016				%			2015				%
LOAN PORTFOLIO
Commercial and industrial			$	74,928			56.70	%		$	71,987			56.30	%
Real estate:
	Commercial			22,307			16.88	%			21,548			16.85	%
	Residential			19,255			14.57	%			21,183			16.57	%
	Construction and development			14,507			10.98	%			11,338			8.87	%
Consumer				1,143			0.86	%			1,815			1.42	%
Total loans (gross)				132,140			100.00	%			127,871			100.00	%
Unearned discounts				0			0.00	%			0			0.00	%
Total loans (net)			$	132,140			100.00	%		$	127,871			100.00	%
			December 31							December 31
			2016							2015
REGULATORY CAPITAL DATA
Tier 1 Capital			$	29,201						$	26,755
Total Capital (Tier 1 + Tier 2)			$	30,853						$	28,368
Total Risk-Adjusted Assets			$	151,282						$	141,945
Tier 1 Risk-Based Capital Ratio				19.30	%						18.85	%
Total Risk-Based Capital Ratio				20.39	%						19.99	%
Tier 1 Leverage Ratio				12.54	%						12.28	%
OTHER DATA
Full Time Equivalent
	Employees (FTE's)			16							16
Stock Price Range
(For the Three Months Ended):
	High		$	56.00						$	51.00
	Low		$	50.10						$	46.19
	Close		$	53.50						$	49.00