Trinity Bank Reports 17.1% Increase in Net Income for Third Quarter

FORT WORTH, TX, Nov 06 (MARKET WIRE) --
Trinity Bank N.A. (OTCBB: TYBT) today announced financial and operating
results for the third quarter and the nine months ending September 30,
2009.

Results of Operations

Trinity Bank, N.A. reported Net Income after Taxes of $418,000 or $.36 per
diluted common share for the third quarter of 2009, compared to $357,000
or $.31 per diluted common share for the third quarter of 2008 -- a 17.1%
increase. This level of profit produced a Return on Assets of 1.12% and a
Return on Equity of 10.64% for the third quarter.

For the first nine months of 2009, Net Income after Taxes amounted to
$1,194,000 or $1.02 per diluted common share versus $1,022,000 or $.88 per
diluted common share for the first nine months of 2008 -- a 16.8%
increase.

Jeffrey M. Harp, President, stated, "We continue to produce good returns
in a weak economy. Strong growth in Total Assets, exceptional efficiency
and no problem loan expense were major contributors to the improved
performance.

"Compared to the first nine months of 2008, Average Assets grew 16%,
Non-Interest Expense (net of the $180,000 increase in FDIC expense) was up
only 4.6%. We have not incurred any loan losses since inception in May
2003 and we have no non-performing loans.

"Loan demand remains weak in our market area, but we are maintaining our
focus on developing long-term relationships with quality businesses
and
individuals."

Average for Quarter Ending

(in 000's) 9-30-09 9-30-08 %
-------- -------- ----

Loans $ 66,920 $ 64,946 3.0%
Deposits $132,496 $110,586 19.8%

Actual for Quarter Ending

(in 000's) 9-30-09 9-30-08 %
-------- -------- ----

Net Interest Income $ 1,096 $ 938 16.8%
Non-Interest Income 172 87 97.7%
Non-Interest Expense 683 539 26.7%
Loan Loss Provision 45 45 -

Pre Tax Income $ 540 $ 441 22.4%
Income Tax $ 122 $ 84 45.2%
Net Income $ 418 $ 357 17.1%

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 to loan losses and the estimations of values of
collateral and various financial assets and liabilities, that the cost 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 hold 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 obligations 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 2009 2008 Change 2009 2008 Change

Interest income 1,494 1,464 2.0% 4,368 4,475 -2.4%
Interest expense 398 526 -24.3% 1,229 1,727 -28.8%
Net Interest Income 1,096 938 16.8% 3,139 2,748 14.2%

Provision for Loan
Losses 45 45 0.0% 135 135 0.0%

Service charges on
deposits 36 23 56.5% 90 72 25.0%
Net gain on
securities available
for sale 78 15 420.0% 87 42 107.1%
Other income 58 49 18.4% 221 202 9.4%
Total Non Interest
Income 172 87 97.7% 398 316 25.9%

Salaries and benefits
expense 292 301 -3.0% 868 870 -0.2%
Occupancy and
equipment expense 89 86 3.5% 261 259 0.8%
Other expense 302 152 98.7% 752 497 51.3%
Total Non Interest
Expense 683 539 26.7% 1,881 1,626 15.7%

Earnings before
income taxes 540 441 22.4% 1,521 1,303 16.7%
Provision for income
taxes 122 84 45.2% 327 281 16.4%
Net Earnings 418 357 17.1% 1,194 1,022 16.8%

Basic earnings per
share 0.38 0.32 17.0% 1.08 0.92 16.7%
Basic weighted
average shares
outstanding 1,110 1,109 1,110 1,109

Diluted earnings per
share 0.36 0.31 17.1% 1.02 0.88 16.8%
Diluted weighted
average shares
outstanding 1,166 1,166 1,166 1,166

Average for Quarter Average for Nine Months
Ending September 30 % Ending September 30 %
2009 2008 Change 2009 2008 Change
BALANCE SHEET SUMMARY

Total loans $ 66,920 $ 64,946 3.0% $ 63,996 $ 57,405 11.5%
Total short term
investments 23,611 17,627 33.9% 21,761 22,463 -3.1%
Total investment
securities 52,448 37,060 41.5% 50,996 38,222 33.4%

Earning assets 142,979 119,633 19.5% 136,753 118,090 15.8%

Total assets 149,782 124,795 20.0% 143,218 123,386 16.1%

Noninterest bearing
deposits 23,606 21,199 11.4% 23,345 20,857 11.9%
Interest bearing
deposits 108,890 89,387 21.8% 101,738 88,552 14.9%

Total deposits 132,496 110,586 19.8% 125,083 109,409 14.3%

Fed Funds Purchased
and Repurchase
Agreements 743 799 -7.0% 2,425 741 227.3%

Shareholders' equity 15,725 13,073 20.3% 15,048 12,796 17.6%

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 2009 2009 2009 2008 2008

Total loans $ 66,920 $ 62,824 $ 62,192 $ 65,398 $ 64,946
Total short term investments 23,611 21,426 20,209 22,898 17,627
Total investment securities 52,448 53,319 47,162 39,329 37,060

Earning assets 142,979 137,569 129,563 127,625 119,633

Total assets 149,782 143,961 135,756 133,175 124,795

Noninterest bearing deposits 23,603 23,240 23,184 24,012 21,199
Interest bearing deposits 108,893 103,722 92,425 90,298 89,387

Total deposits 132,496 126,962 115,609 114,310 110,586

Fed Funds Purchased and
Repurchase Agreements 743 1,323 5,259 4,934 798

Shareholders' equity 15,725 15,029 14,376 13,531 13,073

Quarter Ended
Sept. 30, June 30, March 31, Dec 31, Sept. 30,
HISTORICAL EARNINGS SUMMARY 2009 2009 2009 2008 2008

Interest income 1,494 1,446 1,427 1,456 1,464
Interest expense 398 413 418 478 526
Net Interest Income 1,096 1,033 1,009 978 938

Provision for Loan Losses 45 45 45 45 45

Service charges on deposits 36 30 25 24 23
Gain on Sale - AFS 78 6 3 0 0
Other income 58 85 76 40 64
Total Non Interest Income 172 121 104 64 87

Salaries and benefits expense 292 284 291 342 301
Occupancy and equipment
expense 89 87 85 87 86
Other expense 302 243 207 108 152
Total Non Interest Expense 683 614 583 537 539

Earnings before income taxes 540 495 485 460 441
Provision for income taxes 122 105 99 90 84
Net Earnings 418 390 386 370 357

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 2009 2009 2009 2008 2008

Total loans $ 67,661 $ 64,339 $ 60,086 $ 66,715 $ 65,595
Total short term
investments 20,968 18,739 17,301 20,502 23,291
Total investment
securities 56,209 53,282 50,553 44,980 34,523

Total earning assets 144,838 136,360 127,940 132,197 123,409

Allowance for loan losses 1,041 996 951 906 861
Premises and equipment 1,610 1,665 1,700 1,719 1,680
Other Assets 6,589 6,491 4,926 5,347 3,754

Total assets 151,996 143,520 133,615 138,357 127,982

Noninterest bearing
deposits 22,235 22,562 21,511 28,665 21,769
Interest bearing deposits 111,965 104,498 96,283 87,552 91,448

Total deposits 134,200 127,060 117,794 116,217 113,217

Fed Funds Purchased and
Repurchase Agreements 535 524 508 7,771 934
Other Liabilities 1,023 640 612 441 483

Total liabilities 135,758 128,224 118,914 124,429 114,634

Shareholders' equity 16,238 15,296 14,701 13,928 13,348

Quarter Ending
Sept. 30, June 30, March 31, Dec 31, Sept. 30,
NONPERFORMING ASSETS 2009 2009 2009 2008 2008

Nonaccrual loans $ 0 $ 0 $ 0 $ 0 $ 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 $ 0 $ 0 $ 0 $ 0 $ 0

Accruing loans past due
30-89 days $ 0 $ 0 $ 0 $ 152 $ 5

Total nonperforming
assets as a percentage
of loans and foreclosed
assets 0.00% 0.00% 0.00% 0.00% 0.00%

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

Quarter Ending
Sept. 30, June 30, March 31, Dec 31, Sept. 30,
ALLOWANCE FOR LOAN LOSSES 2009 2009 2009 2008 2008

Balance at beginning of period $ 996 $ 951 $ 906 $ 861 $ 816
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 45 45 45 45 45
Balance at end of period $ 1,041 $ 996 $ 951 $ 906 $ 861

Allowance for loan losses
as a percentage of total loans 1.54% 1.55% 1.58% 1.51% 1.29%
Allowance for loan losses
as a percentage of
nonperforming loans N/A N/A N/A N/A N/A
Net charge-offs (recoveries)
as a percentage of average
loans N/A N/A N/A N/A N/A
Provision for loan losses
as a percentage of average
loans 0.07% 0.07% 0.07% 0.07% 0.07%

Quarter Ending
Sept. 30, June 30, March 31, Dec 31, Sept. 30,
SELECTED RATIOS 2009 2009 2009 2008 2008

Return on average assets
(annualized) 1.12% 1.08% 1.14% 1.11% 1.14%

Return on average equity
(annualized) 10.63% 10.38% 10.74% 10.94% 10.92%

Return on average equity
(excluding unrealized gain on
investments) 11.44% 10.97% 11.18% 11.02% 10.92%

Average shareholders' equity
to average assets 10.50% 10.44% 10.59% 10.16% 10.48%

Yield on earning assets (tax
equivalent) 4.43% 4.47% 4.71% 5.20% 5.21%

Cost of interest bearing funds 1.45% 1.60% 1.71% 2.43% 2.33%

Net interest margin (tax
equivalent) 3.32% 3.27% 3.40% 3.37% 3.45%

Efficiency ratio (tax
equivalent) 50.37% 49.32% 48.30% 47.18% 48.13%

End of period book value per
common share 14.63 13.78 13.26 12.56 12.04

End of period book value
(excluding unrealized gain on
investments) 13.17 12.81 12.46 12.11 11.79

End of period common shares
outstanding 1,110 1,110 1,109 1,109 1,109

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

3 Months Ending
September 30, 2009 September 30, 2008
Tax Tax
Equiv- Equiv-
YIELD Average alent Average alent
ANALYSIS Balance Interest Yield Yield Balance Interest Yield Yield

Interest Earning
Assets:
Short term
investment 23,611 87 1.47% 1.47% 17,627 149 3.38% 3.38%
Investment
securities 27,288 296 4.34% 4.34% 10,298 91 3.53% 3.53%
Tax Free
securities 25,160 200 3.18% 4.58% 26,762 214 3.20% 4.60%
Loans 66,920 911 5.45% 5.45% 64,893 1,010 6.23% 6.23%

Total Interest
Earning
Assets 142,979 1,494 4.18% 4.43% 119,580 1,464 4.90% 5.21%

Noninterest
Earning
Assets:
Cash and due
from banks 3,442 3,477
Other assets 4,378 2,705
Allowance for
loan losses (1,017) (838)

Total
Noninterest
Earning
Assets 6,803 5,344

Total
Assets $149,782 $124,924

Interest Bearing
Liabilities:
Transaction
and Money
Market
accounts 76,571 231 1.21% 1.21% 65,746 315 1.92% 1.92%
Certificates
and other
time
deposits 32,318 166 2.05% 2.05% 23,640 208 3.52% 3.52%
Other
borrowings 743 1 0.54% 0.54% 799 3 1.50% 1.50%

Total Interest
Bearing
Liabilities 109,632 398 1.45% 1.45% 90,185 526 2.33% 2.33%

Noninterest
Bearing
Liabilities
Demand
deposits 23,606 21,200
Other
liabilities 819 466
Shareholders'
Equity 15,725 13,073

Total
Liabilities
and
Shareholders
Equity $149,782 $124,924

Net Interest
Income and
Spread 1,096 2.73% 2.98% 938 2.56% 2.88%

Net Interest
Margin 3.07% 3.32% 3.14% 3.45%

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

Sept 30 Sept 30
2009 % 2008 %
LOAN PORTFOLIO

Commercial and industrial 30,988 45.80% 36,253 55.27%
Real estate:
Commercial 12,334 18.23% 10,571 16.12%
Residential 10,709 15.83% 9,909 15.11%
Construction and development 10,499 15.52% 5,404 8.24%
Consumer 3,131 4.63% 3,458 5.27%

Total loans (gross) 67,661 100.00% 65,595 100.00%

Unearned discounts 0 0.00% 0 0.00%

Total loans (net) 67,661 100.00% 65,595 100.00%

Sept 30 Sept 30
2009 2008
REGULATORY CAPITAL DATA
Tier 1 Capital $ 14,861 $ 13,287
Total Capital (Tier 1 + Tier 2) $ 15,902 $ 14,148
Total Risk-Adjusted Assets $ 87,210 $ 61,146
Tier 1 Ratio 14.57% 17.36%
Total Capital Ratio 15.59% 18.49%
Tier 1 Leverage Ratio 9.92% 10.65%

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

Stock Price Range
(For the Twelve Months Ended):
High $ 29.75 $ 20.00
Low $ 20.00 $ 20.00
Close $ 29.50 $ 20.00

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

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