Trinity Bank Reports: 2012 First Quarter Net Income up 15.2%; Shareholders Receive First Cash Dividend

FORT WORTH, TX--(Marketwire - May 1, 2012) - Trinity Bank N.A. (OTCBB: TYBT) today announced operating results for the three months ending March 31, 2012.

Results of Operations

Trinity Bank, N.A. reported Net Income After Taxes of $621,000, or $.55 per diluted common share for the first quarter of 2012, compared to $539,000 or $.48 per diluted common share for the first quarter of 2011, an increase of 14.6%. 

Jeffrey M. Harp, President, stated, "Net Income was up 15.2% over the first quarter of 2011. This performance represents Trinity's 30^th consecutive quarter of profit improvement. We are finally seeing a little pickup in loan demand, albeit from a very low level last year. The activity enabled us to produce a Return on Assets of 1.52% and a Return on Equity (excluding unrealized gain on investments) of 13.56%. Both ratios compare very favorably to local, regional, and national peer groups.

"Trinity Bank's first cash dividend was distributed to shareholders yesterday (04-30-12). We are pleased to be able to provide some tangible return on our shareholder's investment."

Average for Quarter Ending		03/31/2012			03/31/2011			%
(in 000's)
Loans		$	81,136		$	71,103		14.1	%
Deposits		$	143,067		$	133,277		7.3	%
Average for Quarter Ending		03/31/2012			03/31/2011			%
(in 000's)
Net Interest Income		$	1,353		$	1,248		8.4	%
Non-Interest Income		$	113		$	129		-12.4	%
Non-Interest Expense		$	642		$	675		-4.9	%
Loan Loss Provision		$	0		$	0		NA
Pre Tax Income		$	824		$	702		17.4	%
Income Tax		$	203		$	163		24.5	%
Net Income		$	621		$	539		15.2	%

Average for Quarter Ending		03/31/2012			03/31/2011			%
(in 000's)
Net Income		$	621		$	539		15.2	%
Diluted Weighted Average Shares			1,119			1,126		-0.6	%
Earnings per Share		$	0.55		$	0.48		14.6	%
Return on Assets			1.52	%		1.42	%
Return on Equity			13.56	%		12.90	%

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
		March 31						%
EARNINGS SUMMARY		2012			2011			Change
Interest income			1,514			1,474		2.7	%
Interest expense			161			226		-28.8	%
Net Interest Income			1,353			1,248		8.4	%
Provision for Loan Losses			0			0		N/A
Service charges on deposits			37			37		0.0	%
Net gain on securities available for sale			17			29		-41.4	%
Other income			59			63		-6.3	%
Total Non Interest Income			113			129		-12.4	%
Salaries and benefits expense			331			340		-2.6	%
Occupancy and equipment expense			74			75		-1.3	%
Other expense			237			260		-8.8	%
Total Non Interest Expense			642			675		-4.9	%
Earnings before income taxes			824			702		17.4	%
Provision for income taxes			203			163		24.5	%
Net Earnings			621			539		15.2	%
Basic earnings per share			0.59			0.51		15.7	%
Basic weighted average shares outstanding			1,056			1,067
Diluted earnings per share			0.55			0.48		14.6	%
Diluted weighted average shares outstanding			1,119			1,126
		Average for Quarter
		Ending March 31						%
BALANCE SHEET SUMMARY		2012			2011			Change
Total loans		$	81,136		$	71,103		14.1	%
Total short term investments			18,495			17,742		4.2	%
Total investment securities			57,451			56,684		1.4	%
Earning assets			157,082			145,529		7.9	%
Total assets			163,755			151,401		8.2	%
Noninterest bearing deposits			29,804			24,123		23.6	%
Interest bearing deposits			113,263			109,154		3.8	%
Total deposits			143,067			133,277		7.3	%
Fed Funds Purchased and Repurchase Agreements			450			582		-22.7	%
Shareholders' equity			19,416			16,972		14.4	%

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		2012			2011			2011			2011			2011
Total loans		$	81,136		$	76,426		$	74,941		$	71,676		$	71,103
Total short term investments			18,495			26,760			21,204			21,929			17,742
Total investment securities			57,451			56,751			51,908			50,714			56,684
Earning assets			157,082			159,937			148,053			144,319			145,529
Total assets			163,755			166,392			154,363			152,633			151,401
Noninterest bearing deposits			29,804			32,552			27,706			25,176			24,123
Interest bearing deposits			113,263			113,758			107,061			108,696			109,154
Total deposits			143,067			146,310			134,767			133,872			133,277
Fed Funds Purchased and Repurchase Agreements			450			584			411			438			582
Shareholders' equity			19,416			18,690			18,401			17,687			16,972
		Quarter Ended
HISTORICAL EARNINGS SUMMARY		March 31, 2012			Dec 31, 2011			Sept. 30, 2011			June 30, 2011			March 31, 2011
Interest income			1,514			1,509			1,471			1,426			1,474
Interest expense			161			199			203			217			226
Net Interest Income			1,353			1,310			1,268			1,209			1,248
Provision for Loan Losses			0			0			0			0			0
Service charges on deposits			37			37			35			29			37
Net gain on securities available for sale			17			18			40			28			29
Other income			59			55			92			78			63
Total Non Interest Income			113			110			167			135			129
Salaries and benefits expense			331			450			317			312			340
Occupancy and equipment expense			74			81			82			79			75
FDIC expense			14			45			45			45			45
Other expense			223			45			226			173			215
Total Non Interest Expense			642			621			670			609			675
Earnings before income taxes			824			799			765			735			702
Provision for income taxes			203			194			185			177			163
Net Earnings			621			605			580			558			539

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Ending Balance
HISTORICAL BALANCE SHEET		March 31, 2012			Dec 31, 2011			Sept. 30, 2011			June 30, 2011			March 31, 2011
Total loans		$	84,808		$	81,272		$	76,180		$	74,822		$	71,287
Total short term investments			18,681			19,279			27,716			17,404			25,369
Total investment securities			56,640			58,540			53,370			51,982			53,497
Total earning assets			160,129			159,091			157,266			144,208			150,153
Allowance for loan losses			(1,371	)		(1,371	)		(1,371	)		(1,371	)		(1,371	)
Premises and equipment			1,368			1,378			1,413			1,404			1,440
Other Assets			6,706			7,843			6,209			5,850			6,024
Total assets			166,832			166,941			163,517			150,091			156,246
Noninterest bearing deposits			32,239			34,203			33,733			24,208			27,747
Interest bearing deposits			114,268			112,163			109,722			106,761			110,161
Total deposits			146,507			146,366			143,455			130,969			137,908
Fed Funds Purchased and Repurchase Agreements			203			713			398			292			534
Other Liabilities			898			792			896			690			559
Total liabilities			147,608			147,871			144,749			131,951			139,001
Shareholders' Equity Actual			18,368			18,025			17,667			17,306			16,715
Unrealized Gain - AFS			856			1,045			1,100			834			530
Total Equity			19,224			19,070			18,767			18,140			17,245
		Quarter Ending
NONPERFORMING ASSETS		March 31, 2012			Dec 31, 2011			Sept. 30, 2011			June 30, 2011			March 31, 2011
Nonaccrual loans		$	221		$	653		$	735		$	850		$	488
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		$	221		$	653		$	735		$	850		$	488
Accruing loans past due 30-89 days		$	0		$	0		$	0		$	0		$	0
Total nonperforming assets as a percentageof loans and foreclosed assets			0.26	%		0.80	%		0.96	%		1.12	%		0.68	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		Quarter Ending
ALLOWANCE FOR LOAN LOSSES		March 31, 2012			Dec 31, 2011			Sept. 30, 2011			June 30, 2011			March 31, 2011
Balance at beginning of period		$	1,371		$	1,371		$	1,371		$	1,371		$	1,371
Loans charged off			0			0			0			0			0
Loan recoveries			0			0			0			0			0
Net (charge-offs) recoveries			0			0			0			0			0
Provision for loan losses			0			0			0			0			0
Balance at end of period		$	1,371		$	1,371		$	1,371		$	1,371		$	1,371
Allowance for loan losses as a percentage of total loans			1.62	%		1.69	%		1.80	%		1.80	%		1.92	%
Allowance for loan losses as a percentage of nonperforming loans			620.36	%		209.95	%		186.53	%		186.53	%		280.94	%
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			N/A			N/A			N/A			N/A			N/A
		Quarter Ending
SELECTED RATIOS		March 31, 2012			Dec 31, 2011			Sept. 30, 2011			June 30, 2011			March 31, 2011
Return on average assets (annualized)			1.52	%		1.45	%		1.50	%		1.46	%		1.42	%
Return on average equity (annualized)			12.79	%		12.95	%		12.61	%		12.62	%		12.70	%
Return on average equity (excluding unrealized gain on investments)			13.56	%		13.62	%		13.26	%		13.11	%		12.90	%
Average shareholders' equity to average assets			11.86	%		11.23	%		11.92	%		11.59	%		11.21	%
Yield on earning assets (tax equivalent)			4.14	%		4.05	%		4.26	%		4.24	%		4.27	%
Cost of interest bearing funds			0.57	%		0.70	%		0.76	%		0.80	%		0.82	%
Net interest margin (tax equivalent)			3.73	%		3.56	%		3.72	%		3.64	%		3.65	%
Efficiency ratio (tax equivalent)			40.71			40.55			43.42			42.29			45.45
End of period book value per common share			18.20			18.05			17.60			17.51			16.16
End of period book value (excluding unrealized gain on investments)			17.39			17.07			16.57			16.48			15.67
End of period common shares outstanding			1,056			1,056			1,066			1,072			1,067

	TRINITY BANK N.A.
	(Unaudited)
	(Dollars in thousands, except per share data)
	3 Months Ending
	March 31, 2012									March 31, 2011
YIELD ANALYSIS	Average Balance			Interest		Yield		Tax Equivalent Yield		Average Balance			Interest		Yield		Tax Equivalent Yield
Interest Earning Assets:
Short term investment		18,495		23		0.50	%	0.50	%		17,742		36		0.81	%	0.81	%
Investment securities		16,116		175		4.34	%	4.34	%		22,938		246		4.29	%	4.29	%
Tax Free securities		41,335		252		2.44	%	3.51	%		33,746		245		2.90	%	4.18	%
Loans		81,136		1,064		5.25	%	5.25	%		71,103		947		5.33	%	5.33	%
Total Interest Earning Assets		157,082		1,514		3.86	%	4.14	%		145,529		1,474		4.05	%	4.27	%
Noninterest Earning Assets:
Cash and due from banks		3,439									3,260
Other assets		4,605									3,983
Allowance for loan losses		(1,371	)								(1,371	)
Total Noninterest Earning Assets		6,673									5,872
Total Assets	$	163,755								$	151,401
Interest Bearing Liabilities:
Transaction and Money Market accounts		84,343		108		0.51	%	0.51	%		78,422		142		0.72	%	0.72	%
Certificates and other time deposits		28,920		52		0.72	%	0.72	%		30,732		83		1.08	%	1.08	%
Other borrowings		450		1		0.89	%	0.89	%		582		1		0.69	%	0.69	%
Total Interest Bearing Liabilities		113,713		161		0.57	%	0.57	%		109,736		226		0.82	%	0.82	%
Noninterest Bearing Liabilities
Demand deposits		29,804									24,123
Other liabilities		822									570
Shareholders' Equity		19,416									16,972
Total Liabilities and Shareholders Equity	$	163,755								$	151,401
Net Interest Income and Spread				1,353		3.29	%	3.57	%				1,248		3.23	%	3.45	%
Net Interest Margin						3.44	%	3.73	%						3.43	%	3.65	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)
		March 31 2012			%		March 31 2011			%
LOAN PORTFOLIO
Commercial and industrial			42,633		50.27	%		32,364		45.40	%
Real estate:
	Commercial		15,786		18.61	%		13,547		19.00	%
	Residential		16,584		19.55	%		13,328		18.70	%
	Construction and development		7,712		9.09	%		10,431		14.63	%
Consumer			2,093		2.47	%		1,617		2.27	%
Total loans (gross)			84,808		100.00	%		71,287		100.00	%
Unearned discounts			0		0.00	%		0		0.00	%
Total loans (net)			84,808		100.00	%		71,287		100.00	%
		March 31					March 31
		2012					2011
REGULATORY CAPITAL DATA
Tier 1 Capital		$	18,369				$	16,716
Total Capital (Tier 1 + Tier 2)		$	19,722				$	17,953
Total Risk-Adjusted Assets		$	108,247				$	98,788
Tier 1 Ratio			16.97	%				16.92	%
Total Capital Ratio			18.22	%				18.17	%
Tier 1 Leverage Ratio			11.24	%				11.06	%
OTHER DATA
Full Time Equivalent
	Employees (FTE's)		14					14
Stock Price Range
	(For the Three Months Ended):
	High	$	27.25				$	25.50
	Low	$	25.50				$	24.10
	Close	$	27.25				$	25.50

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