Triumph Financial, Inc. · NYSE:TFIN
Triumph Financial — Triumph Bancorp — Q1 2016 Earnings Presentation
18 slides from Triumph Financial's earnings presentation, Apr 27, 2016
Slide 1: Q1 2016 Earnings Release – April 27, 2016
Q1 2016 EARNINGS RELEASE – APRIL 27, 2016 Exhibit 99.2
Slide 2: Disclaimer: Forward-Looking Statements
PAGE DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. You can identi
Slide 3: Platform Overview
PAGE Headquartered in Dallas, Texas, Triumph Bancorp, Inc. (NASDAQ: TBK) is a financial holding company with a diversified line of community banking, commercial finance and asset management activities. www.triumphbancorp.com $1.7 billion in assets $1.9 billion in CLO assets managed(1) 520 team membe
Slide 4: Community Banking, Factoring, Asset Based Lending
PAGE Community Banking Reach our communities through service, selling and saturation Emphasize long-term customer relationships Work with our clients throughout economic cycles Maximize value adding cross-sell opportunities A bank for all people, committed to their financial goals in every stage of
Slide 5: Q1 2016 Highlights
PAGE Fully diluted earnings per share of $0.27 for the quarter Organic commercial finance loan portfolio growth of $7.1 million despite seasonal reduction in factored receivables Net non-interest expense to average assets ratio improved to 3.61% from 3.96% at December 31, 2015 Tangible book value pe
Slide 6: Financial Highlights
PAGE FINANCIAL HIGHLIGHTS Reconciliations of non-GAAP financial measures can be found at the end of the presentation Metric adjusted to exclude material gains and expenses related to merger and acquisition-related activities, net of tax where applicable Asset quality ratios exclude loans held for sa
Slide 7: Loan Portfolio Detail
PAGE LOAN PORTFOLIO DETAIL Community Banking / Other Commercial Finance Loans Held for Investment Chart data labels – dollars in millions 42094 42185 42277 42369 42460 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Q4 2015 Community Banking 625.63800000000003 685.02599999999995 687.54200000000003 770.9 717.7279999
Slide 8: Loan Mix, Yield, and Growth
PAGE LOAN MIX, YIELD, AND GROWTH *Reconciliations of non-GAAP financial measures can be found at the end of the presentation
Slide 9: Loan Yields and Net Interest Margin
PAGE Loan Yields Net Interest Margin LOAN YIELDS AND NET INTEREST MARGIN *Reconciliations of non-GAAP financial measures can be found at the end of the presentation ** SNL U.S. Bank $1B-$5B : Includes all Major Exchange (NYSE, NYSE MKT, NASDAQ) Banks in SNL's coverage universe with $1B to $5B in Ass
Slide 10: Deposit Mix, Rate, and Growth
PAGE DEPOSIT MIX, RATE, AND GROWTH
Slide 11: Non-Interest Income
PAGE Note: Excludes bargain purchase gain in 2015 for comparability purposes NON-INTEREST INCOME
Slide 12: Non-Interest Expense
PAGE NON-INTEREST EXPENSE *Reconciliations of non-GAAP financial measures can be found at the end of the presentation. Efficiency ratio calculated on adjusted non-interest expense.
Slide 13: Asset Quality
ASSET QUALITY s400 038 $300 5 83 om § £3 ry BE s200 e é2 g 2 é gs ow € sioo | —J 2 so |_| | oo. 115 2915 3015 4015 116 530 40% 35% 30% 2 omit 1.0% cS 05% so 00% 1915 2915 3015 415 1916 mmm Nor performing Assets (NPAS) NPAs [Assets tb TRIUMPH PAGE 13
Slide 14: Investment Considerations
PAGE INVESTMENT CONSIDERATIONS We are an entrepreneurial financial services company that seeks to balance financial returns with franchise value creation We prefer to spread our risk all along the economic continuum (start-ups to mature businesses) through a variety of community banking and commerci
Slide 15: Appendix
at TRIUMPH APPENDIX
Slide 16: Non-GAAP Financial Reconciliation
PAGE NON-GAAP FINANCIAL RECONCILIATION The Company uses certain non-GAAP financial measures to provide meaningful supplemental information regarding the Company's operational performance and to enhance investors' overall understanding of such financial performance. 42460QTD 42185QTD 42094QTD 42094QT
Slide 17: Non-GAAP Financial Reconciliation
PAGE NON-GAAP FINANCIAL RECONCILIATION 42460QTD 42185QTD 42094QTD 42094QTD 42004QTD 42460 42277 42185 42094 42004 366 365 365 365 365 91 92 91 90 92 As of and for the Three Months Ended March 31, December 31, September 30, June 30, March 31, (Dollars in thousands, except per share amounts) 2016 2015
Slide 18: Non-GAAP Financial Reconciliation
PAGE NON-GAAP FINANCIAL RECONCILIATION 42460QTD 42185QTD 42094QTD 42094QTD 42004QTD 42460 42277 42185 42094 42004 366 365 365 365 365 91 92 91 90 92 As of and for the Three Months Ended March 31, December 31, September 30, June 30, March 31, (Dollars in thousands, except per share amounts) 2016 2015