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Trinity Bank 2012 Net Income up 13.1%; 2012 Earnings per Share up 16.8%; Ninth Consecutive Year of Improved Profitability

FORT WORTH, TX -- (Marketwire) -- 02/12/13 -- Trinity Bank N.A. (OTCBB: TYBT) today announced financial and operating results for the fourth quarter and for the twelve months ended December 31, 2012.

Results of Operations

Trinity Bank, N.A. reported Net Income After Taxes for the fourth quarter of $664,894, or $.59 per diluted common share, compared to $605,157, or $.54 per diluted common share for the fourth quarter of 2011, an increase of 9.3%.

For the year 2012, Net Income After Taxes amounted to $2,580,751, or $2.36 per diluted common share, compared to $2,282,024, or $2.02 per diluted common share for 2011, an increase of 16.8%.

Jeffrey M. Harp, President, stated, "Operating results for 2012 represent Trinity Bank's ninth consecutive year of improved profitability. Growth in earnings and assets remains acceptable. Return on Equity and Return on Assets are well above peer performance at the local, state, and national level. 2013 will be a challenging year for Trinity due to securities maturing at yields that we cannot replace in the current low rate environment. However, we look forward to maintaining our record of improving performance each year."


                                           For Year Ending
                           ----------------------------------------------
                            2012    2011    2010    2009    2008    2007
                           ------  ------  ------  ------  ------  ------
Return on Assets             1.51%   1.46%   1.30%   1.12%   1.11%   0.96%

Return on Equity
 (excluding unrealized
 gain on securities)        13.21%  13.22%  12.57%  11.33%  10.80%   8.88%


Average for Year Ending

                                                12-31-12    12-31-11
                                              ----------- -----------
Loans                                         $    83,486 $    73,556  13.5%
Deposits                                      $   149,357 $   137,086   9.0%
Actual for Year Ending

Net Interest Income                           $     5,582 $     5,034  10.9%
Non-Interest Income                           $       680 $       540  25.9%
Non-Interest Expense                          $     2,604 $     2,573   1.2%
Loan Loss Provision                           $       195 $         0     -
Pre Tax Income                                $     3,463 $     3,001  15.4%

Income Tax                                    $       882 $       719  22.7%

Net Income                                    $     2,581 $     2,282  13.1%

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 click on "About Us" and then click on "Investor Information". Financial information in 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             2012     2011 Change      2012     2011 Change

Interest income             1,542    1,509    2.2%    6,138    5,879    4.4%
Interest expense              110      199  -44.7%      556      845  -34.2%
Net Interest Income         1,432    1,310    9.3%    5,582    5,034   10.9%

Provision for Loan
 Losses                        45        0    N/A       195        0    N/A

Service charges on
 deposits                      41       37   10.8%      152      147    3.4%
Net gain on securities
 available for sale           116       18  544.4%      286      114  150.9%
Other income                   64       55   16.4%      242      279  -13.3%
Total Non Interest
 Income                       221      110  100.9%      680      540   25.9%

Salaries and benefits
 expense                      512      450   13.8%    1,494    1,419    5.3%
Occupancy and equipment
 expense                       84       81    3.7%      307      314   -2.2%
Other expense                 122       90   35.6%      803      840   -4.4%
Total Non Interest
 Expense                      718      621   15.6%    2,604    2,573    1.2%

Earnings before income
 taxes                        890      799   11.4%    3,463    3,001   15.4%
Provision for income
 taxes                        225      194   16.0%      882      719   22.7%
Net Earnings                  665      605    9.9%    2,581    2,282   13.1%

Basic earnings per share     0.59     0.57    3.5%     2.38     2.15   10.7%
Basic weighted average
 shares outstanding         1,123    1,059            1,084    1,063

Diluted earnings per
 share                       0.59     0.54    9.3%     2.36     2.02   16.8%
Diluted weighted average
 shares outstanding         1,134    1,122            1,095    1,127



                                                      Average for Twelve
                            Average for Quarter             Months
                           Ending December           Ending December
                                        31      %                 31      %
BALANCE SHEET SUMMARY        2012     2011 Change      2012     2011 Change

Total loans              $ 85,853 $ 76,426   12.3% $ 83,486 $ 73,556   13.5%
Total short term
 investments               25,057   26,760   -6.4%   21,982   21,500    2.2%
Total investment
 securities                59,626   56,751    5.1%   58,512   54,003    8.3%

Earning assets            170,536  159,937    6.6%  163,980  149,059   10.0%

Total assets              177,855  166,392    6.9%  170,882  156,233    9.4%

Noninterest bearing
 deposits                  38,481   32,552   18.2%   33,866   28,743   17.8%
Interest bearing
 deposits                 116,937  113,758    2.8%  115,491  108,343    6.6%

Total deposits            155,418  146,310    6.2%  149,357  137,086    9.0%

Fed Funds Purchased and
 Repurchase Agreements        451      584  -22.8%      387      503  -23.1%

Shareholders' equity       20,529   18,690    9.8%   20,134   17,943   12.2%



                              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            2012      2012     2012       2012     2011

Total loans                  $ 85,853 $  83,792 $ 83,133 $   81,136 $ 76,426
Total short term investments   25,057    27,327   16,955     18,495   26,760
Total investment securities    59,626    58,929   58,031     57,451   56,751

Earning assets                170,536   170,048  158,119    157,082  159,937

Total assets                  177,855   176,847  164,933    163,755  166,392

Noninterest bearing deposits   38,481    35,755   31,337     29,804   32,552
Interest bearing deposits     116,937   119,186  112,538    113,263  113,758

Total deposits                155,418   154,941  143,875    143,067  146,310

Fed Funds Purchased and
 Repurchase Agreements            451       395      251        450      584

Shareholders' equity           20,529    20,621   19,962     19,416   18,690


                                              Quarter Ended
                              Dec 31, Sept. 30, June 30,  March 31,  Dec 31,
HISTORICAL EARNINGS SUMMARY      2012      2012     2012       2012     2011


Interest income                 1,542     1,526    1,554      1,514    1,509
Interest expense                  110       134      151        161      199
Net Interest Income             1,432     1,392    1,403      1,353    1,310

Provision for Loan Losses          45       150        0          0        0

Service charges on deposits        41        37       28         37       37
Net gain on securities
 available for sale               116       153        0         17       18
Other income                       64        56       72         59       55
Total Non Interest Income         221       246      100        113      110

Salaries and benefits
 expense                          512       342      309        331      450
Occupancy and equipment
 expense                           84        74       76         74       81
Other expense                     122       190      252        237       90
Total Non Interest Expense        718       606      637        642      621

Earnings before income taxes      890       882      866        824      799
Provision for income taxes        225       231      222        203      194
Net Earnings                      665       651      644        621      605


                             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     2012       2012      2012       2012      2011

Total loans              $ 93,523  $  84,625  $ 83,510  $  84,808  $ 81,272
Total short term
 investments               34,511     30,196    16,923     18,681    19,279
Total investment
 securities                65,031     58,166    61,625     56,640    58,540

Total earning assets      193,065    172,987   162,058    160,129   159,091

Allowance for loan
 losses                    (1,073)    (1,026)   (1,371)    (1,371)   (1,371)
Premises and equipment      1,287      1,322     1,340      1,368     1,378
Other Assets                6,474      6,040     6,469      6,706     7,843

Total assets              199,753    179,323   168,496    166,832   166,941

Noninterest bearing
 deposits                  49,403     36,826    33,721     32,239    34,203
Interest bearing
 deposits                 128,491    120,298   113,377    114,268   112,163

Total deposits            177,894    157,124   147,098    146,507   146,366

Fed Funds Purchased and
 Repurchase Agreements        559        409       294        203       713
Other Liabilities             725        910       809        898       792

Total liabilities         179,178    158,443   148,201    147,608   147,871

Shareholders' Equity
 Actual                    19,546     19,775    19,244     18,368    18,025
Unrealized Gain - AFS       1,029      1,105     1,051        856     1,045
  Total Equity             20,575     20,880    20,295     19,224    19,070


                                           Quarter Ending
                          Dec 31,  Sept. 30,  June 30,  March 31,   Dec 31,
NONPERFORMING ASSETS         2012       2012      2012       2012      2011

Nonaccrual loans         $      0  $       0  $    528  $     221  $    653
Restructured loans       $      0  $       0  $      0  $       0  $      0
Other real estate &
 foreclosed assets       $     35  $      72  $      0  $       0  $      0
Accruing loans past due
 90 days or more         $      0  $       0  $      0  $       0  $      0
Total nonperforming
 assets                  $     35  $      72  $    528  $     221  $    653

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

Total nonperforming
 assets as a percentage
 of loans and foreclosed
 assets                      0.04%      0.09%     0.63%      0.26%     0.80%



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

                                           Quarter Ending
ALLOWANCE FOR             Dec 31,  Sept. 30,  June 30,  March 31,   Dec 31,
LOAN LOSSES                  2012       2012      2012       2012      2011

Balance at beginning of
 period                  $  1,026  $   1,371  $  1,371  $   1,371  $  1,371
Loans charged off               0       (499)        0          0         0
Loan recoveries                 2          4         0          0         0
  Net (charge-offs)
   recoveries                   2       (495)        0          0         0
Provision for loan
 losses                        45        150         0          0         0
Balance at end of period $  1,073  $   1,026  $  1,371  $   1,371  $  1,371

Allowance for loan
 losses as a percentage
 of total loans              1.15%      1.21%     1.62%      1.62%     1.69%
Allowance for loan
 losses as a percentage
 of nonperforming loans   3065.71%   1425.00%  1904.17%    620.36%   209.95%
Net charge-offs
 (recoveries) as a
 percentage of average
 loans                       0.00%      0.59%      N/A        N/A       N/A
Provision for loan
 losses as a percentage
 of average loans            0.05%      0.18%      N/A        N/A       N/A


                                           Quarter Ending
                          Dec 31,  Sept. 30,  June 30,  March 31,   Dec 31,
SELECTED RATIOS              2012       2012      2012       2012      2011

Return on average assets
 (annualized)                1.50%      1.47%     1.56%      1.52%     1.45%

Return on average equity
 (annualized)               12.96%     12.63%    12.90%     12.79%    12.95%

Return on average equity
 (excluding unrealized
 gain on investments)       13.79%     13.35%    13.61%     13.56%    13.62%

Average shareholders'
 equity to average
 assets                     11.54%     11.66%    12.10%     11.86%    11.23%

Yield on earning assets
 (tax equivalent)            3.84%      3.82%     4.19%      4.14%     4.05%

Cost of interest bearing
 funds                       0.37%      0.45%     0.54%      0.57%     0.70%

Net interest margin (tax
 equivalent)                 3.58%      3.50%     3.81%      3.73%     3.56%

Efficiency ratio (tax
 equivalent)                43.97      38.20     39.59      40.71     40.55

End of period book value
 per common share           18.26      19.23     18.79      18.20     18.05

End of period book value
 (excluding unrealized
 gain on investments)       17.34      18.21     17.82      17.39     17.07

End of period common
 shares outstanding         1,127      1,086     1,080      1,056     1,056


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

                                                 12 Months Ending
                                               December 31, 2012

                                                                       Tax
                                      Average                   Equivalent
YIELD ANALYSIS                        Balance   Interest Yield       Yield

Interest Earning Assets:
Short term investment                  21,982        131  0.60%       0.60%
Investment securities                  18,786        681  3.63%       3.63%
Tax Free securities                    39,726        930  2.34%       3.37%
Loans                                  83,486      4,396  5.27%       5.27%

Total Interest Earning Assets         163,980      6,138  3.74%       3.99%

Noninterest Earning Assets:
Cash and due from banks                 3,568
Other assets                            4,592
Allowance for loan losses              (1,258)

Total Noninterest Earning Assets        6,902

Total Assets                         $170,882

Interest Bearing Liabilities:
Transaction and Money Market
 accounts                              87,411        351  0.40%       0.40%
Certificates and other time deposits   28,080        204  0.73%       0.73%
Other borrowings                          387          1  0.26%       0.26%

Total Interest Bearing Liabilities    115,878        556  1.92%       1.92%

Noninterest Bearing Liabilities
Demand deposits                        33,866
Other liabilities                       1,004
Shareholders' Equity                   20,134

Total Liabilities and Shareholders
 Equity                              $170,882

Net Interest Income and Spread                     5,582  1.82%       2.07%

Net Interest Margin                                       3.40%       3.65%


                                               12 Months Ending
                                              December 31, 2011

                                                                      Tax
                                     Average                   Equivalent
YIELD ANALYSIS                       Balance   Interest Yield       Yield

Interest Earning Assets:
Short term investment                 21,500        130  0.60%       0.60%
Investment securities                 18,758        828  4.41%       4.41%
Tax Free securities                   35,245        981  2.78%       4.01%
Loans                                 73,556      3,940  5.36%       5.36%

Total Interest Earning Assets        149,059      5,879  3.94%       4.23%

Noninterest Earning Assets:
Cash and due from banks                4,344
Other assets                           4,201
Allowance for loan losses             (1,371)

Total Noninterest Earning Assets       7,174

Total Assets                        $156,233

Interest Bearing Liabilities:
Transaction and Money Market
 accounts                             79,916        549  0.69%       0.69%
Certificates and other time deposits  29,762        294  0.99%       0.99%
Other borrowings                         503          2  0.40%       0.40%

Total Interest Bearing Liabilities   110,181        845  0.77%       0.77%

Noninterest Bearing Liabilities
Demand deposits                       27,408
Other liabilities                        701
Shareholders' Equity                  17,943

Total Liabilities and Shareholders
 Equity                             $156,233

Net Interest Income and Spread                    5,034  3.18%       3.47%

Net Interest Margin                                      3.38%       3.67%



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

                                   December 31          December 31
                                          2012       %         2011       %
LOAN PORTFOLIO

Commercial and industrial               53,820   57.55%      40,359   49.66%
Real estate:
  Commercial                            14,614   15.63%      13,112   16.13%
  Residential                           13,862   14.82%      16,400   20.18%
  Construction and development           9,058    9.69%       8,947   11.01%
Consumer                                 2,169    2.32%       2,454    3.02%

Total loans (gross)                     93,523  100.00%      81,272  100.00%

Unearned discounts                           0    0.00%           0    0.00%

Total loans (net)                       93,523  100.00%      81,272  100.00%


                                   December 31          December 31
                                          2012                 2011
REGULATORY CAPITAL DATA

Tier 1 Capital                     $    19,546          $    18,025
Total Assets                       $   177,855          $   166,046
Tier 1 Capital Ratio                     10.99%               10.86%

Total Risk-Based Capital           $    20,619          $    19,333
Total Risk-Weighted Assets         $   122,289          $   104,570
Total Risk-Based Capital Ratio           16.86%               18.49%


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

Stock Price Range
(For the Three Months Ended):
  High                             $     33.00          $     27.00
  Low                              $     30.50          $     24.10
  Close                            $     33.00          $     26.05

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

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