Triumph Financial, Inc. · NYSE:TFIN
Triumph Financial — Triumph Bancorp — Q4 2016 Earnings Presentation
17 slides from Triumph Financial's earnings presentation, Jan 23, 2017
Slide 1: Q4 2016 Earnings Release – January 23, 2017
Q4 2016 EARNINGS RELEASE – January 23, 2017 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 $2.6 billion in assets $2.2 billion in CLOs(1) 730 team members(2) (1) Repr
Slide 4: Platform Overview – Midwest Division
PAGE team members(2) PLATFORM OVERVIEW – MIDWEST DIVISION Quad Cities Market Southern Rural Market Northern Rural Market Elgin Market
Slide 5: Platform Overview – Western Division
PAGE team members(2) PLATFORM OVERVIEW – WESTERN DIVISION
Slide 6: Community Banking, Factoring, Asset Based Lending, Equipment Finance
PAGE Community Banking Reach our communities through service, selling and saturation Emphasize long-term customer relationships Work with our clients throughout economic cycles A bank for all people, committed to their financial goals in every stage of life Factoring Offered at our Triumph Business
Slide 7: Q4 2016 Highlights
PAGE Diluted earnings per share of $0.33 for the quarter. Commercial finance loan portfolio growth of $55.8 million. Community banking/other loan portfolio growth of $12.0 million. $6.1 million Net income to common stockholders COMMERCIAL FINANCE LOAN GROWTH 8.7% NIM 5.60% Net Interest Margin (5.15%
Slide 8: 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 9: Loan Portfolio Detail
PAGE LOAN PORTFOLIO DETAIL Community Banking / Other Commercial Finance Loans Held for Investment Chart data labels – dollars in millions 42369 42460 42551 42643 42735 Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Community Banking 770.9 717.72799999999995 803.58500000000004 1,321.9390000000001 1,333.94 E
Slide 10: 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 11: 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 Asse
Slide 12: Deposit Mix, Rate, and Growth
PAGE DEPOSIT MIX, RATE, AND GROWTH
Slide 13: Asset Quality
ASSET QUALITY NCOs / Average Loans Net Chargeofts z 003% oolx 01% 415. 1QI6-216-3QI6. 4G ALLL / Non-performing Loans 100% 150.0% 4Q15 1Q16 2916 3Q16 4Q16 MALL / Non-performing Loans Purchase Discount / Non-performing Loans ALLL and Purchase Discount / Non-performing Loans tb TRIUMPH Non-performing A
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: 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. 42735QTD 42460QTD 42185QTD 42094QT
Slide 16: Non-GAAP Financial Reconciliation
PAGE NON-GAAP FINANCIAL RECONCILIATION 42735QTD 42460QTD 42185QTD 42094QTD 42094QTD 42735YTD 42369YTD 42735 42643 42551 42460 42369 42735 42369 366 366 366 366 365 366 365 92 92 91 91 92 366 365 As of and for the Three Months Ended As of and for the Years Ended (Dollars in thousands, December 31, Se
Slide 17: Non-GAAP Financial Reconciliation
PAGE NON-GAAP FINANCIAL RECONCILIATION 42735QTD 42460QTD 42185QTD 42094QTD 42094QTD 42735YTD 42369YTD 42735 42643 42551 42460 42369 42735 42369 366 366 366 366 365 366 365 92 92 91 91 92 366 365 As of and for the Three Months Ended As of and for the Years Ended (Dollars in thousands, December 31, Se