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Trinity Bank Reports: 2014 First Quarter Net Income up 12.7%, Fifth Cash Dividend Declared


April 28, 2014 - Fort Worth, TX

Trinity Bank N.A. (OTCBB: TYBT) today announced operating results for the three months ending March 31, 2014.

Results of Operations

Trinity Bank, N.A. reported Net Income After Taxes of $771,000 or $.68 per diluted common share for the first quarter of 2014, compared to $684,000 or $.60 per diluted common share for the first quarter of 2013, an increase of 13.3%.

President Jeffrey M. Harp stated, "Net Income increased 12.7% over 1Q '13. An 18% increase in loan volume helped generate a 20% increase in Pretax Preprovision Income. We remain cautiously optimistic that the business environment in our market will continue to improve and enable us to maintain our history of improving results each quarter since inception."

"I have reported many times that Trinity Bank's performance compares favorably to peer groups. To support that statement, an investment banking firm recently rated Trinity 7th in profitability out of all banks in the DFW metroplex for 2013. Another investment firm rated Trinity 24th out of all 530 banks in Texas for 2013 in terms of overall performance (profitability, growth and efficiency)."

"As previously announced, Trinity will distribute its fifth cash dividend ($.31 per share -- an increase of 10.7% over the $.28 per share dividend paid in October 2013) to shareholders on April 30, 2014."



Profitability 3/31/2014 3/31/2013
--------- ---------

Return on Assets 1.71% 1.48%
Retun on Equity 13.95% 13.70%


Average for Quarter Ending %
------
(in 000's)

Loans $ 104,737 $ 88,373 18.5%
Deposits $ 157,633 $ 163,074 (3.3%)

Actual for Quarter Ending
(in 000's) 3/31/2014 3/31/2013 %
--------- --------- ------

Net Interest Income $ 1,613 $ 1,431 12.7%
Non-Interest Income 118 108 9.3%
Non-Interest Expense (728) (708) 2.8%
Pretax Preprovision Income $ 1,003 $ 831 20.7%

Gain on Sale of Securities and Assets $ 129 $ 278 N/M
Loan Loss Provision (75) (172) N/M
Pre Tax Income 1,057 937 12.8%
Income Tax (286) (253) 13.0%

Net Income $ 771 $ 684 12.7%

Diluted Weighted Average Shares 1,136 1,141

Earnings per Share $ 0.68 $ 0.60 13.3%


TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)


Quarter Ended
March 31 %
EARNINGS SUMMARY 2014 2013 Change

Interest income $ 1,709 $ 1,537 11.2%
Interest expense 96 106 -9.4%
Net Interest Income 1,613 1,431 12.7%

Service charges on deposits 42 39 7.7%
Other income 76 69 10.1%
Total Non Interest Income 118 108 9.3%

Salaries and benefits expense 377 373 1.1%
Occupancy and equipment expense 72 81 -11.1%
Other expense 279 254 9.8%
Total Non Interest Expense 728 708 2.8%

Pretax pre-provision income 1,003 831 20.7%

Gain on sale of securities 105 226 -53.5%
Gain on sale of foreclosed assets 24 52 N/M

Provision for Loan Losses 75 172 -56.4%

Earnings before income taxes 1,057 937 12.8%
Provision for income taxes 286 253 13.0%
Net Earnings $ 771 $ 684 12.7%

Basic earnings per share 0.69 0.61 13.1%
Basic weighted average shares outstanding 1,125 1,132

Diluted earnings per share 0.68 0.60 13.3%
Diluted weighted average shares outstanding 1,136 1,141


Average for Quarter
March 31 %
BALANCE SHEET SUMMARY 2014 2013 Change

Total loans $ 104,737 $ 88,373 18.5%
Total short term investments 10,122 25,315 -60.0%
Total investment securities 60,942 64,969 -6.2%

Earning assets 175,801 178,657 -1.6%

Total assets 180,487 185,352 -2.6%

Noninterest bearing deposits 42,918 36,699 16.9%
Interest bearing deposits 114,715 126,375 -9.2%

Total deposits 157,633 163,074 -3.3%

Fed Funds Purchased and Repurchase Agreements 442 545 -18.9%

Shareholders' equity $ 22,154 $ 20,988 5.6%


TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

Average for Quarter Ending
March 31, Dec 31, Sept. 30, June 30, March 31,
BALANCE SHEET SUMMARY 2014 2013 2013 2013 2013

Total loans $ 104,737 $ 100,220 $ 94,567 $ 91,227 $ 88,373
Total short term
investments 10,122 12,966 14,693 15,843 25,315
Total investment
securities 60,942 63,937 65,064 66,379 64,969



Earning assets 175,801 177,123 174,324 173,449 178,657

Total assets 180,487 181,884 179,452 179,392 185,352

Noninterest bearing
deposits 42,918 43,454 42,308 38,087 36,699
Interest bearing deposits 114,715 116,510 116,055 119,269 126,375

Total deposits 157,633 159,964 158,363 157,356 163,074

Fed Funds Purchased and
Repurchase Agreements 442 267 229 229 545

Shareholders' equity $ 22,154 $ 21,301 $ 20,548 $ 21,281 $ 20,988


Quarter Ended

HISTORICAL EARNINGS March 31, Dec 31, Sept. 30, June 30, March 31,
SUMMARY 2014 2013 2013 2013 2013


Interest income $ 1,709 $ 1,677 $ 1,616 $ 1,583 $ 1,537
Interest expense 96 100 98 100 106
Net Interest Income 1,613 1,577 1,518 1,483 1,431

Service charges on
deposits 42 43 43 41 39
Other income 76 66 67 72 69
Total Non Interest Income 118 109 110 113 108

Salaries and benefits
expense 377 478 385 365 373
Occupancy and equipment
expense 72 73 75 77 81
Other expense 279 135 177 304 254
Total Non Interest Expense 728 686 637 746 708

Pretax pre-provision
income 1,003 1,000 991 850 831

Gain on sale of securities 105 51 21 113 226
Gain on sale of foreclosed
assets 24 0 0 0 52
Gain on sale of assets 0 18 0 0 0

Provision for Loan Losses 75 50 20 0 172

Earnings before income
taxes 1,057 1,019 992 963 937
Provision for income taxes 286 263 271 263 253
Net Earnings $ 771 $ 756 $ 721 $ 700 $ 684

Diluted earnings per share 0.68 0.66 0.63 0.61 0.60



TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

Ending Balance

HISTORICAL BALANCE March 31, Dec 31, Sept. 30, June 30, March 31,
SHEET 2014 2013 2013 2013 2013

Total loans $ 103,762 $ 109,505 $ 93,934 $ 94,432 $ 87,926
Total short term
investments 19,981 2,534 18,404 7,895 32,274
Total investment
securities 59,669 63,495 63,966 67,506 62,908

Total earning assets 183,412 175,534 176,304 169,833 183,108

Allowance for loan
losses (1,396) (1,321) (1,271) (1,249) (1,245)
Premises and
equipment 1,306 1,275 1,232 1,264 1,250
Other Assets 5,590 6,444 7,175 4,885 6,002

Total assets 188,912 181,932 183,440 174,733 189,115

Noninterest bearing
deposits 46,896 45,813 44,398 37,823 38,673
Interest bearing
deposits 118,861 113,839 117,411 115,922 128,345

Total deposits 165,757 159,652 161,809 153,745 167,018

Fed Funds Purchased
and Repurchase
Agreements 429 429 229 229 228
Other Liabilities 587 670 590 277 965

Total liabilities 166,773 160,751 162,628 154,251 168,211

Shareholders' Equity
Actual 22,054 21,844 21,052 20,656 19,996
Unrealized Gain - AFS 85 (233) (240) (174) 908
Total Equity $ 22,139 $ 21,611 $ 20,812 $ 20,482 $ 20,904


Quarter Ending
March 31, Dec 31, Sept. 30, June 30, March 31,
NONPERFORMING ASSETS 2014 2013 2013 2013 2013

Nonaccrual loans $ 402 $ 402 $ 402 $ 429 $ 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 $ 402 $ 402 $ 402 $ 429 $ 0

Accruing loans past
due 30-89 days $ 0 $ 0 $ 0 $ 1,097 $ 0

Total nonperforming
assets as a
percentage of loans
and foreclosed
assets 0.39% 0.37% 0.43% 0.45% 0.00%



TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

Quarter Ending
ALLOWANCE FOR March 31, Dec 31, Sept. 30, June 30, March 31,
LOAN LOSSES 2014 2013 2013 2013 2013

Balance at beginning
of period $ 1,321 $ 1,271 $ 1,249 $ 1,245 $ 1,073
Loans charged off 0 0 0 0 0
Loan recoveries 0 0 2 4 0
Net (charge-offs)
recoveries 0 0 2 4 0
Provision for loan
losses 75 50 20 0 172
Balance at end of
period $ 1,396 $ 1,321 $ 1,271 $ 1,249 $ 1,245

Allowance for loan
lossesas a
percentage of total
loans 1.35% 1.21% 1.35% 1.32% 1.42%
Allowance for loan
lossesas a
percentage of
nonperforming loans 347% 329% 316% 291% N/A
Net charge-offs
(recoveries) as
apercentage of
average loans N/A N/A N/A N/A N/A
Provision for loan
lossesas a
percentage of
average loans 0.07% 0.05% 0.02% N/A 0.19%


Quarter Ending
March 31, Dec 31, Sept. 30, June 30, March 31,
SELECTED RATIOS 2014 2013 2013 2013 2013

Return on average
assets (annualized) 1.71% 1.66% 1.61% 1.56% 1.48%

Return on average
equity (annualized) 13.92% 14.20% 14.04% 13.16% 13.04%

Return on average
equity (excluding
unrealized gain on
investments) 13.95% 14.10% 13.74% 13.76% 13.70%

Average shareholders'
equity to average
assets 12.27% 11.71% 11.45% 11.86% 11.32%

Yield on earning
assets (tax
equivalent) 4.14% 4.00% 3.92% 3.87% 3.65%

Cost of interest
bearing funds 0.33% 0.34% 0.34% 0.34% 0.33%

Net interest margin
(tax equivalent) 3.92% 3.78% 3.69% 3.63% 3.41%

Efficiency ratio (tax
equivalent) 39.5% 38.5% 3690.0% 44.1% 42.0%

End of period book
value per common
share $ 19.68 $ 19.09 $ 18.40 $ 18.09 $ 18.47

End of period book
value (excluding
unrealized gain on
investments) $ 19.60 $ 19.30 $ 18.61 $ 18.25 $ 17.66

End of period common
shares outstanding
(in 000's) 1,125 1,132 1,131 1,132 1,132



TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

3 Months Ending
March 31, 2014

Tax
Average Equivalent
YIELD ANALYSIS Balance Interest Yield Yield

Interest Earning Assets:
Short term investment $ 10,122 15 0.59% 0.59%
Investment securities 16,427 134 3.26% 3.26%
Tax Free securities 44,515 249 2.24% 3.22%
Loans 104,737 1,311 5.01% 5.01%

Total Interest Earning Assets 175,801 1,709 3.89% 4.14%

Noninterest Earning Assets:
Cash and due from banks 3,504
Other assets 2,538
Allowance for loan losses (1,356)

Total Noninterest Earning Assets 4,686

Total Assets $ 180,487

Interest Bearing Liabilities:
Transaction and Money Market accounts 89,438 62 0.28% 0.28%
Certificates and other time deposits 25,276 34 0.54% 0.54%
Other borrowings 442 0 0.13% 0.13%

Total Interest Bearing Liabilities 115,156 96 0.33% 0.33%

Noninterest Bearing Liabilities
Demand deposits 42,918
Other liabilities 259
Shareholders' Equity 22,154

Total Liabilities and Shareholders
Equity $ 180,487

Net Interest Income and Spread 1,613 3.55% 3.81%

Net Interest Margin 3.67% 3.92%



3 Months Ending
March 31, 2013

Tax
Average Equivalent
YIELD ANALYSIS Balance Interest Yield Yield

Interest Earning Assets:
Short term investment $ 25,315 28 0.44% 0.44%
Investment securities 23,059 191 3.31% 3.31%
Tax Free securities 41,910 211 2.01% 2.90%
Loans 88,373 1,107 5.01% 5.01%

Total Interest Earning Assets 178,657 1,537 3.44% 3.65%

Noninterest Earning Assets:
Cash and due from banks 3,644
Other assets 4,222
Allowance for loan losses (1,171)

Total Noninterest Earning Assets 6,695

Total Assets $ 185,352

Interest Bearing Liabilities:
Transaction and Money Market accounts 101,715 72 0.28% 0.28%
Certificates and other time deposits 24,660 34 0.55% 0.55%
Other borrowings 545 0 0.22% 0.22%

Total Interest Bearing Liabilities 126,920 106 0.33% 0.33%

Noninterest Bearing Liabilities
Demand deposits 36,699
Other liabilities 745
Shareholders' Equity 20,988

Total Liabilities and Shareholders
Equity $ 185,352

Net Interest Income and Spread 1,431 3.11% 3.32%

Net Interest Margin 3.20% 3.41%



TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

March 31 March 31
2014 % 2013 %
LOAN PORTFOLIO

Commercial and industrial $ 57,699 55.61% $ 47,803 54.37%
Real estate:
Commercial 16,899 16.29% 15,239 17.33%
Residential 20,428 19.69% 13,686 15.57%
Construction and development 7,113 6.86% 8,875 10.09%
Consumer 1,622 1.56% 2,323 2.64%

Total loans (gross) 103,761 100.00% 87,926 100.00%

Unearned discounts 0 0.00% 0 0.00%

Total loans (net) $ 103,761 100.00% $ 87,926 100.00%


March 31 March 31
2014 2013
REGULATORY CAPITAL DATA
Tier 1 Capital $ 22,054 $ 19,996
Total Capital (Tier 1 + Tier 2) $ 23,450 $ 21,241
Total Risk-Adjusted Assets $ 121,805 $ 118,815
Tier 1 Risk-Based Capital Ratio 18.11% 16.83%
Total Risk-Based Capital Ratio 19.25% 17.88%
Tier 1 Leverage Ratio 12.22% 10.80%

OTHER DATA
Full Time Equivalent
Employees (FTE's) 14 14

Stock Price Range
(For the Three Months Ended):
High $ 37.00 $ 36.00
Low $ 35.01 $ 33.00
Close $ 37.00 $ 36.00


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.

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

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