Slide 1: Q4 2017 earnings release
Q4 2017 earnings release January 22, 2018 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) (“Triumph”) 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 Ban
Slide 4: Platform Overview - Lending
PLATFORM OVERVIEW - LENDING PAGE 24% Texas Geographic Concentrations1 as of December 31, 2017 Diversification by asset class, geography, and collateral Commercial Finance target mix of 40% Industry leading portfolio yields 1 Excludes factored receivables 26% Colorado 1% Kansas 7% Iowa 17% Illinois
Slide 5: Platform Overview – Branch Network
PLATFORM OVERVIEW – branch network PAGE team members(2) Western division 32 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 (Primarily CODs) In Progr
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, and services Equipment Finance Secured by revenue producing, essential-use e
Slide 7: Loan Portfolio Detail
LOAN PORTFOLIO DETAIL PAGE Community Banking Commercial Finance Loans Held for Investment Chart data labels – dollars in millions 42735 42825 42916 43008 43100 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Q4 2017 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Q4 2017 Community Banking 1,333.94 1,321.6 1,493.4259999999999 1,538
Slide 8: Long term performance goals vs Actual Q4
Return on Average Assets (“ROAA”) GAAP: 0.79% Core: 0.94% Goal: > 1.80% Net Overhead Ratio Net Interest Income to Average Assets Credit Costs Pre-Provision Net Revenue Taxes GAAP: 5.72% Core: 5.72% Goal: > 5.00% GAAP: 3.65% Core: 3.43% Goal: < 3.00% GAAP: 2.07% Core: 2.29% Goal: > 2.80% GAAP: 0.24%
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. Nicholas Grant – Keefe, Bruyette & Woods, a Stifel Compa
Slide 10: Q4 2017 Highlights
Q4 2017 HIGHLIGHTS PAGE Diluted earnings per share of $0.29 for the fourth quarter Net income for the quarter was impacted by (i) an income tax charge of $3.0 million related to the re‑measurement of our deferred tax assets and deferred tax liabilities at our new expected effective tax rate due to c
Slide 11: 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. Q4 2017 SNL data not available
Slide 12: Triumph Business Capital Factoring
TRIUMPH BUSINESS CAPITAL FACTORING PAGE Yield of 16.91% in the fourth quarter Average annual charge-off rate of 0.41% over the past 3 years 3,158 factoring clients at December 31, 2017
Slide 13: Asset Quality
ASSET QUALITY PAGE *Loans with a fair value of $95.8 million and original purchase discount of $3.4 million were acquired in the Independent Bank Group, Inc. branch acquisition, and loans with a fair value of $171.2 million and original purchase discount of $6.6 million were acquired in the Valley B
Slide 14: Deposit Mix and Growth
DEPOSIT MIX AND GROWTH PAGE *Deposits totaling $160.7 million were assumed in the Independent Bank Group, Inc. branch acquisition, and deposits totaling $293.4 million were assumed in the Valley Bancorp, Inc. acquisition.
Slide 15: 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 16: 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. 43100QTD 42916QTD 42825QTD 42460QTD 42185QTD 431
Slide 17: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 43100QTD 42916QTD 42825QTD 42460QTD 42185QTD 43100YTD 42735YTD Period end date 43100 43008 42916 42825 42735 43100 42735 Quarter 4 Days in Year 365 365 365 366 366 365 366 Days in Quarter 92 92 91 90 92 365 366 As of and for the Three Months Ended As of and for
Slide 18: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 43100QTD 42916QTD 42825QTD 42460QTD 42185QTD 43100YTD 42735YTD Period end date 43100 43008 42916 42825 42735 43100 42735 Quarter 4 Days in Year 365 365 365 366 366 365 366 Days in Quarter 92 92 91 90 92 365 366 As of and for the Three Months Ended As of and for
Slide 19: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 43100QTD 42916QTD 42825QTD 42460QTD 42185QTD 43100YTD 42735YTD Period end date 43100 43008 42916 42825 42735 43100 42735 Quarter 4 Days in Year 365 365 365 366 366 365 366 Days in Quarter 92 92 91 90 92 365 366 As of and for the Three Months Ended As of and for