Slide 1: Q2 2017 Earnings Release
Q2 2017 earnings release July 19, 2017 Exhibit 99.2
Slide 2: Forward-Looking Statements
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 identify fo
Slide 3: Company Overview
company OVERVIEW PAGE Triumph Bancorp, Inc. (NASDAQ: TBK) is a financial holding company headquartered in Dallas, Texas. Triumph offers a diversified line of community banking and commercial finance products through its bank subsidiary, TBK Bank, SSB. www.triumphbancorp.com Community Banking Full su
Slide 4: Platform Overview - Lending
PLATFORM OVERVIEW - LENDING PAGE 26% Texas Geographic Concentrations1 as of June 30, 2017 Diversification by asset class, geography, and collateral Commercial Finance target mix of 40% Industry leading portfolio yields 1 Excludes factored receivables 19% Colorado 2% Kansas 7% Iowa 20% Illinois
Slide 5: Platform Overview - Retail
PLATFORM OVERVIEW - RETAIL PAGE team members(2) Western division 16 branches in Colorado 2 branches in western Kansas MIDwest division 10 branches in the Quad Cities metroplex 8 branches throughout northern and central Illinois Dallas Corporate Headquarters 1 branch
Slide 6: Platform Overview - Commercial Finance
PLATFORM OVERVIEW – COMMERCIAL FINANCE PAGE Triumph Commercial Finance Asset Based Lending Borrowing base working capital lending Focus on facilities between $1MM - $20MM Core industries include manufacturing, distribution, services, and healthcare Equipment Finance Secured by revenue producing, ess
Slide 7: Loan Portfolio Detail
LOAN PORTFOLIO DETAIL PAGE Community Banking Commercial Finance Loans Held for Investment Chart data labels – dollars in millions 42551 42643 42735 42825 42916 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Community Banking 803.58500000000004 1,321.9390000000001 1,333.94 1,321.6 1,493.4259999999999 Equipm
Slide 8: Long Term Performance Goals vs Actual Q2
Return on Average Assets (“ROAA”) GAAP: 1.42% Core: 1.42% Goal: > 1.50% Net Overhead Ratio Net Interest Income to Average Assets Credit Costs Pre-Provision Net Revenue Taxes GAAP: 5.68% Core: 5.68% Goal: > 5.00% GAAP: 3.26% Core: 3.26% Goal: < 2.00% GAAP: 2.42% Core: 2.42% Goal: > 3.00% GAAP: 0.21%
Slide 9: Investment Considerations
INVESTMENT CONSIDERATIONS PAGE Coverage Analysts: Brad Milsaps – Sandler O’Neill & Partners Jared Shaw – Wells Fargo Securities, LLC Stephen Moss – FBR Capital Markets & Co. Brett Rabatin – Piper Jaffray & Co. Gary Tenner – D.A. Davidson & Co.
Slide 10: Q2 2017 Highlights
Q2 2017 HIGHLIGHTS PAGE Diluted earnings per share of $0.51 for the second quarter Total loan portfolio growth of $259.9 million Commercial finance loan portfolio growth of $88.0 million Commercial real estate loan portfolio growth of $43.1 million Mortgage warehouse loan portfolio growth of $107.5
Slide 11: Colorado Branch Acquisition
Improves core deposit base and funding capacity 42% demand deposits, 69% non-time deposits 59% loan to deposit ratio Furthers our long term performance goals 0.39% cost of deposits Overhead ratio contribution of 1.75% - 2.00% (excluding amortization), within our 2% target Strengthens our position in
Slide 12: Loan Yields and Net Interest Margin
loan yields and NET INTEREST MARGIN PAGE *Reconciliations of non-GAAP financial measures can be found at the end of the presentation **SNL U.S. Bank $1-$5B: Includes all Major Exchange (NYSE, NYSE MKT, NASDAQ) Banks in SNL’s coverage universe with $1B to $5B in Assets. Q2 2017 SNL data not available
Slide 13: Triumph Business Capital Factoring
TRIUMPH BUSINESS CAPITAL FACTORING PAGE Yield of 17.35% in the second quarter Average annual charge-off rate of 0.41% over the past 3 years 2,690 factoring clients at June 30, 2017
Slide 14: Asset Quality
ASSET QUALITY PAGE * Loans with a fair value of $461 million and original purchase discount of $12 million were acquired in the ColoEast Bankshares, Inc. transaction
Slide 15: Deposit Mix and Growth
DEPOSIT MIX AND GROWTH PAGE * Deposits totaling $653 million were assumed in the ColoEast Bankshares, Inc. transaction
Slide 16: Financial Highlights
FINANCIAL HIGHLIGHTS PAGE 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 17: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE Triumph uses certain non-GAAP financial measures to provide meaningful supplemental information regarding our operational performance and to enhance investors' overall understanding of such financial performance. 42916QTD 42825QTD 42460QTD 42185QTD 42094QTD 429
Slide 18: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 42916QTD 42825QTD 42460QTD 42185QTD 42094QTD 42916YTD 42551YTD Period end date 42916 42825 42735 42643 42551 42916 42551 Quarter 2 Days in Year 365 365 366 366 366 365 366 Days in Quarter 91 90 92 92 91 181 182 As of and for the Three Months Ended As of and for
Slide 19: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 42916QTD 42825QTD 42460QTD 42185QTD 42094QTD 42916YTD 42551YTD Period end date 42916 42825 42735 42643 42551 42916 42551 Quarter 2 Days in Year 365 365 366 366 366 365 366 Days in Quarter 91 90 92 92 91 181 182 As of and for the Three Months Ended As of and for
Slide 20: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 42916QTD 42825QTD 42460QTD 42185QTD 42094QTD 42916YTD 42551YTD Period end date 42916 42825 42735 42643 42551 42916 42551 Quarter 2 Days in Year 365 365 366 366 366 365 366 Days in Quarter 91 90 92 92 91 181 182 As of and for the Three Months Ended As of and for