Trinity Bank "Streak" Continues

FORT WORTH, TX--(Marketwired - Jan 28, 2015) - Trinity Bank N.A. (OTCBB: TYBT)

• 2014 Earnings Per Share increased 15.2% over 2013 results
• Strong Equity to Assets ratio of 11.2%
• Return on Assets (1.68%) and Return on Equity (14.29%) reach all time high

Trinity Bank N.A. (OTCBB: TYBT) today announced financial and operating results for the fourth quarter and for the twelve months ended December 31, 2014.

Trinity Bank, N.A. reported Net Income after Taxes for the fourth quarter of 2014 of $855,866, or $.76 per diluted common share, compared to $756,415, or $.66 per diluted common share for the fourth quarter of 2013, an increase of 15.2%.

For the year 2014, Net Income After Taxes amounted to $3,266,379, or $2.88 per diluted common share, compared to $2,861,649, or $2.51 per diluted common share for 2013, an increase of 14.7%.

Jeffrey M. Harp, President, stated, "Operating results for 2014 represent our 11^th consecutive year of improved performance. We continue to produce growth in earnings and assets. We have been able to maintain excellent asset quality and exceptional efficiency. The level of economic activity in our market area has improved as has the competition for good business from established competitors and new entrants to the market. The recent drop in oil prices is a concern to everyone in Texas, but management has been through this cycle before and remains committed to positioning Trinity Bank to make progress in all economic conditions."

		For Year Ending
		2014			2013			2012			2011			2010			2009
Return on Assets		1.68	%		1.58	%		1.51	%		1.46	%		1.30	%		1.12	%
Return on Equity (excluding unrealized gain on securities)		14.29	%		13.83	%		13.21	%		13.22	%		12.57	%		11.33	%

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 Ended
		December 31						%			December 31						%
EARNINGS SUMMARY		2014			2013			Change			2014			2013			Change
Interest income		$	1,853		$	1,677		10.5	%		$	7,127		$	6,412		11.2	%
Interest expense			105			100		5.0	%			394			404		-2.5	%
Net Interest Income			1,748			1,577		10.8	%			6,733			6,008		12.1	%
Service charges on deposits			41			43		-4.7	%			158			165		-4.2	%
Other income			86			66		30.3	%			335			276		21.4	%
Total Non Interest Income			127			109		16.5	%			493			441		11.8	%
Salaries and benefits expense			613			478		28.2	%			1,749			1,600		9.3	%
Occupancy and equipment expense			64			73		-12.3	%			273			306		-10.8	%
Other expense			102			135		-24.4	%			1,004			870		15.4	%
Total Non Interest Expense			779			686		13.6	%			3,026			2,776		9.0	%
Pretax pre-provision income			1,096			1,000		9.6	%			4,200			3,673		14.3	%
Gain on sale of securities			0			51		N/M				258			410		-37.1	%
Gain on sale of foreclosed assets			0			0		N/M				47			52		-9.6	%
Gain on sale of assets			0			18		N/M				0			18		N/M
Provision for Loan Losses			28			50		-44.0	%			205			242		-15.3	%
Earnings before income taxes			1,068			1,019		4.8	%			4,300			3,911		9.9	%
Provision for income taxes			212			263		-19.4	%			1,034			1,049		-1.4	%
Net Earnings		$	856		$	756		13.2	%		$	3,266		$	2,862		14.1	%
Basic earnings per share			0.76			0.67		13.4	%			2.91			2.53		15.0	%
Basic weighted average shares outstanding			1,121			1,132						1,124			1,131
Diluted earnings per share			0.76			0.66		15.2	%			2.88			2.51		14.7	%
Diluted weighted average shares outstanding			1,132			1,143						1,135			1,142
		Average for Quarter									Average for Twelve Months
		December 31						%			December 31						%
BALANCE SHEET SUMMARY		2014			2013			Change			2014			2013			Change
Total loans		$	109,401		$	100,220		9.2	%		$	107,490		$	93,605		14.8	%
Total short term investments			35,421			12,966		173.2	%			20,903			17,163		21.8	%
Total investment securities			65,080			63,937		1.8	%			61,075			65,815		-7.2	%
Earning assets			209,902			177,123		18.5	%			189,468			176,583		7.3	%
Total assets			214,976			181,884		18.2	%			194,442			181,501		7.1	%
Noninterest bearing deposits			60,788			43,454		39.9	%			52,060			40,160		29.6	%
Interest bearing deposits			128,918			116,510		10.6	%			118,294			119,517		-1.0	%
Total deposits			189,706			159,964		18.6	%			170,354			159,677		6.7	%
Fed Funds Purchased and Repurchase Agreements			430			267		61.0	%			432			317		36.3	%
Shareholders' equity		$	24,077		$	21,301		13.0	%		$	23,145		$	21,029		10.1	%

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		2014			2014			2014			2014			2013
Total loans		$	109,401		$	108,469		$	107,290		$	104,737		$	100,220
Total short term investments			35,421			24,627			12,010			10,122			12,966
Total investment securities			65,080			59,950			59,408			60,942			63,937
Earning assets			209,902			193,046			178,708			175,801			177,123
Total assets			214,976			198,164			183,720			180,487			181,884
Noninterest bearing deposits			60,788			56,904			47,495			42,918			43,454
Interest bearing deposits			128,918			116,710			112,580			114,715			116,510
Total deposits			189,706			173,614			160,075			157,633			159,964
Fed Funds Purchased and Repurchase Agreements			430			429			429			442			267
Shareholders' equity		$	24,077		$	23,578		$	22,746		$	22,154		$	21,301
		Quarter Ended
		Dec 31,			Sept. 30,			June 30,			March 31,			Dec 31,
HISTORICAL EARNINGS SUMMARY		2014			2014			2014			2014			2013
Interest income		$	1,853		$	1,806		$	1,758		$	1,709		$	1,677
Interest expense			105			98			95			96			100
Net Interest Income			1,748			1,708			1,663			1,613			1,577
Service charges on deposits			41			42			39			42			43
Other income			86			85			82			76			66
Total Non Interest Income			127			127			121			118			109
Salaries and benefits expense			613			381			377			377			478
Occupancy and equipment expense			64			68			69			72			73
Other expense			101			283			339			279			135
Total Non Interest Expense			778			732			785			728			686
Pretax pre-provision income			1,097			1,103			999			1,003			1,000
Gain on sale of securities			0			0			153			105			51
Gain on sale of foreclosed assets			0			23			0			24			0
Gain on sale of assets			0			0			0			0			18
Provision for Loan Losses			28			28			75			75			50
Earnings before income taxes			1,069			1,098			1,077			1,057			1,019
Provision for income taxes			212			266			270			286			263
Net Earnings		$	857		$	832		$	807		$	771		$	756
Diluted earnings per share		$	0.76		$	0.73		$	0.71		$	0.68		$	0.66

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			2014				2014				2014				2014				2013
Total loans			$	115,156			$	110,778			$	108,648			$	103,762			$	109,505
Total short term investments				26,587				31,928				11,507				19,981				2,534
Total investment securities				68,132				61,731				58,067				59,669				63,495
Total earning assets				209,875				204,437				178,222				183,412				175,534
Allowance for loan losses				(1,475	)			(1,447	)			(1,371	)			(1,396	)			(1,321	)
Premises and equipment				1,240				1,265				1,281				1,306				1,275
Other Assets				5,834				4,740				6,446				5,590				6,444
Total assets				215,474				208,995				184,578				188,912				181,932
Noninterest bearing deposits				56,554				59,336				50,548				46,896				45,813
Interest bearing deposits				133,289				124,676				110,131				118,861				113,839
Total deposits				189,843				184,012				160,679				165,757				159,652
Fed Funds Purchased and Repurchase Agreements				430				430				429				429				429
Other Liabilities				663				970				403				587				670
Total liabilities				190,936				185,412				161,511				166,773				160,751
Shareholders' Equity Actual				24,026				23,162				22,835				22,054				21,844
Unrealized Gain - AFS				512				421				231				85				(233	)
	Total Equity		$	24,538			$	23,583			$	23,066			$	22,139			$	21,611
			Quarter Ending
			Dec 31,				Sept. 30,				June 30,				March 31,				Dec 31,
NONPERFORMING ASSETS			2014				2014				2014				2014				2013
Nonaccrual loans			$	0			$	0			$	0			$	402			$	402
Restructured loans			$	0			$	0			$	0			$	0			$	0
Other real estate & foreclosed assets			$	300			$	300			$	300			$	0			$	0
Accruing loans past due 90 days or more			$	0			$	0			$	0			$	0			$	0
Total nonperforming assets			$	300			$	300			$	300			$	402			$	402
Accruing loans past due 30-89 days			$	0			$	0			$	0			$	0			$	0
Total nonperforming assets as a percentageof loans and foreclosed assets				0.26	%			0.27	%			0.28	%			0.39	%			0.37	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			Quarter Ending
ALLOWANCE FOR LOAN LOSSES			Dec 31, 2014				Sept. 30, 2014				June 30, 2014				March 31, 2014				Dec 31, 2013
Balance at beginning of period			$	1,447			$	1,371			$	1,396			$	1,321			$	1,271
Loans charged off				0				0				102				0				0
Loan recoveries				1				48				2				0				0
	Net (charge-offs) recoveries			1				48				(100	)			0				0
Provision for loan losses				27				28				75				75				50
Balance at end of period			$	1,475			$	1,447			$	1,371			$	1,396			$	1,321
Allowance for loan losses as a percentage of total loans				1.28	%			1.31	%			1.26	%			1.35	%			1.27	%
Allowance for loan losses as a percentage of nonperforming assets				492	%			482	%			457	%			347	%			329	%
Net charge-offs (recoveries) as a percentage of average loans				N/A				(0.04	%)			0.09	%			N/A				N/A
Provision for loan losses as a percentage of average loans				0.02	%			0.03	%			0.07	%			0.07	%			0.05	%
			Quarter Ending
			Dec 31,				Sept. 30,				June 30,				March 31,				Dec 31,
SELECTED RATIOS			2014				2014				2014				2014				2013
Return on average assets (annualized)				1.59	%			1.68	%			1.76	%			1.71	%			1.66	%
Return on average equity (annualized)				14.22	%			14.12	%			14.19	%			13.92	%			14.20	%
Return on average equity (excluding unrealized gain on investments)				14.51	%			14.34	%			14.36	%			13.95	%			14.10	%
Average shareholders' equity to average assets				11.20	%			11.90	%			12.38	%			12.27	%			11.71	%
Yield on earning assets (tax equivalent)				4.07	%			4.07	%			4.26	%			4.14	%			4.00	%
Cost of interest bearing funds				0.33	%			0.34	%			0.34	%			0.33	%			0.34	%
Net interest margin (tax equivalent)				3.86	%			3.87	%			4.05	%			3.92	%			3.78	%
Efficiency ratio (tax equivalent)				37.7	%			36.7	%			40.7	%			39.5	%			38.5	%
End of period book value per common share			$	21.89			$	21.02			$	20.50			$	19.68			$	19.09
End of period book value (excluding unrealized gain on investments)			$	21.43			$	20.64			$	20.30			$	19.60			$	19.30
End of period common shares outstanding (in 000's)				1,121				1,122				1,125				1,125				1,132

		TRINITY BANK N.A.
		(Unaudited)
		(Dollars in thousands, except per share data)
		12 Months Ending
		December 31, 2014									December 31, 2013
YIELD ANALYSIS		Average Balance			Interest		Yield		Tax Equivalent Yield		Average Balance			Interest		Yield		Tax Equivalent Yield
Interest Earning Assets:
Short term investment		$	20,903		143		0.68	%	0.68	%	$	17,163		85		0.50	%	0.50	%
Investment securities			5,420		170		3.14	%	3.14	%		23,628		743		3.14	%	3.14	%
Tax Free securities			55,655		1,318		2.37	%	3.41	%		42,187		849		2.01	%	2.90	%
Loans			107,490		5,496		5.11	%	5.11	%		93,605		4,735		5.06	%	5.06	%
Total Interest Earning Assets			189,468		7,127		3.93	%	4.07	%		176,583		6,412		3.63	%	3.94	%
Noninterest Earning Assets:
Cash and due from banks			3,576									3,502
Other assets			2,790									2,662
Allowance for loan losses			(1,392	)								(1,246	)
Total Noninterest Earning Assets			4,974									4,918
Total Assets		$	194,442								$	181,501
Interest Bearing Liabilities:
Transaction and Money Market accounts			94,179		266		0.28	%	0.28	%		94,464		267		0.28	%	0.28	%
Certificates and other time deposits			24,115		128		0.53	%	0.53	%		25,053		137		0.55	%	0.55	%
Other borrowings			432		0		0.25	%	0.25	%		317		0		0.04	%	0.04	%
Total Interest Bearing Liabilities			118,726		394		0.33	%	0.33	%		119,834		404		0.34	%	0.34	%
Noninterest Bearing Liabilities
Demand deposits			52,060									40,160
Other liabilities			511									478
Shareholders' Equity			23,145									21,029
Total Liabilities and Shareholders Equity		$	194,442								$	181,501
Net Interest Income and Spread					6,733		3.60	%	3.74	%				6,008		3.29	%	3.51	%
Net Interest Margin							3.55	%	3.86	%						3.40	%	3.61	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
			December 31							December 31
			2014				%			2013				%
LOAN PORTFOLIO
Commercial and industrial			$	65,168			56.59	%		$	63,364			57.86	%
Real estate:
	Commercial			20,474			17.78	%			17,701			16.16	%
	Residential			19,458			16.90	%			19,037			17.38	%
	Construction and development			8,825			7.66	%			7,085			6.47	%
Consumer				1,231			1.07	%			2,318			2.12	%
Total loans (gross)				115,156			100.00	%			109,505			100.00	%
Unearned discounts				0			0.00	%			0			0.00	%
Total loans (net)			$	115,156			100.00	%		$	109,505			100.00	%
			December 31							December 31
			2014							2013
REGULATORY CAPITAL DATA
Tier 1 Capital			$	24,026						$	21,845
Total Capital (Tier 1 + Tier 2)			$	25,501						$	23,166
Total Risk-Adjusted Assets			$	128,591						$	134,220
Tier 1 Risk-Based Capital Ratio				18.68	%						16.28	%
Total Risk-Based Capital Ratio				19.83	%						17.26	%
Tier 1 Leverage Ratio				11.18	%						12.01	%
OTHER DATA
Full Time Equivalent
Employees (FTE's)				15							14
Stock Price Range
(For the Three Months Ended):
	High		$	42.40						$	37.00
	Low		$	40.00						$	34.75
	Close		$	42.40						$	37.00

For information contact:
Richard Burt
Executive Vice President
Trinity Bank
817-763-9966