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Trinity Bank

Dothan, AL · Cert 58206

FDIC · 3 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Trinity Bank

Dothan, AL · Cert 58206

FDIC · 3 branches

Q3 2019

$165.1MAssets
$135.1MLoans
$145.5MDeposits
$17.0MEquity
Loan mix
78%RE $89.4M19%C&I $21.8M3%Consumer $2.9MQ3 2018Q3 2019
Deposit mix
77%Interest-bearing $111.8M23%Noninterest $33.7MQ3 2018Q3 2019

NIM

4.51%Q3 ’174.70%Q3 ’184.97%Q3 ’19+3%+2%

Non-interest income vs. expense

2.37%Q3 ’172.54%Q3 ’182.69%Q3 ’19+9%-1%

Market Position · Dothan, AL · 2019 SOD (annual) · 2.1% share · #15 of 18 inst. · $0.1B of $3.4B

2.6% Houston
10.9% Coffee

Executive Summary

  • Earnings: ROA of 1.37%, down 15 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.92% of loans (-9 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.35%, up 32 bps from a year ago.
  • Funding: loans stand at 92.82% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.37%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+8 bps YoY

Efficiency Ratio (YTD, annualized)

60.41%+1 bps YoY

Tier 1 Leverage Ratio

10.35%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.52%1.44%1.83%1.52%1.37%-15 bps
Return on Equity16.20%15.16%18.52%15.22%13.60%-260 bps
Net Interest Margin3.95%3.99%4.13%3.99%4.03%+8 bps
Efficiency Ratio60.41%59.44%51.13%55.83%60.41%+1 bps
Non-Interest Burden2.29%2.27%1.84%2.04%2.27%-2 bps
Growth
Asset Growth (YoY)0.03%3.72%8.92%6.10%10.00%+997 bps
Loan Growth (YoY)4.14%5.06%8.08%5.65%8.12%+398 bps
Deposit Growth (YoY)-0.16%2.96%8.15%4.93%9.67%+983 bps
Asset Quality
Nonperforming Loans / Loans1.01%0.85%0.94%0.92%0.92%-9 bps
Net Charge-Offs / Loans-0.06%0.01%-0.02%0.00%0.01%+7 bps
Allowance / Loans1.53%1.57%1.60%1.60%1.57%+3 bps
Allowance Coverage of NPLs1.5x1.9x1.7x1.7x1.7x+0.2x
Capital
Tier 1 Leverage Ratio10.03%10.06%10.35%10.16%10.35%+32 bps
Total Risk-Based Capital14.84%14.63%15.20%15.44%15.37%+53 bps
Equity / Assets9.88%9.90%9.89%10.25%10.27%+39 bps
Liquidity & Funding
Loans / Deposits94.15%94.76%90.39%91.81%92.82%-133 bps
Liquid Assets / Assets4.97%4.15%9.86%9.17%9.11%+414 bps
CRE / Total Capitaln/an/an/an/an/an/an/a