Triumph Financial, Inc. · NYSE:TFIN
Triumph Financial — Triumph Bancorp — Q3 2015 Earnings Presentation
18 slides from Triumph Financial's earnings presentation, Oct 28, 2015
Slide 1: Q3 2015 Earnings Release
Q3 2015 Earnings Release October 28, 2015 Exhibit 99.2
Slide 2: Disclaimer: 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: Platform overview
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 $1.6 billion in assets $2.1 billion in AUM(1) 521 team members(2) (1) Represents assets under management
Slide 4: How we go to market
How we go to market 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
Slide 5: Q3 2015 highlights
Fully diluted earnings per share of $0.32 for the quarter Recognized an increase of $1.7 million to the bargain purchase gain associated with the Doral Money, Inc. acquisition, bringing the total gain on the transaction to $14.2 million Organic loan portfolio growth of $32.6 million Non-performing a
Slide 6: Financial highlights
Financial highlights 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. Asset quality ratios exclude loans held for sale Cur
Slide 7: Loan portfolio detail
Loans HFI = $1,185.3 million 3Q15 Yield = 8.34% GAAP(1) Chart data labels – dollars in millions (1) Adjusted yield on loans of 7.96% excluding discount accretion. Reconciliations of non-GAAP financial measures can be found at the end of the presentation Loan portfolio detail Community Banking Commer
Slide 8: Loan mix, yield, and growth
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
Loan yields and net interest margin Loan Yields Net Interest Margin ** 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 Assets as of 10/27/2015 *Reconciliations of non-GAAP financial measures can be found at the end of t
Slide 10: Deposit mix, rate, and growth
Deposit mix, rate, and growth
Slide 11: Non-interest Income
Non-interest Income Note: Excludes bargain purchase gain in 2015 and branch sale gain in 2014 for comparability purposes
Slide 12: Non-interest Expense
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 Net Chargeoffs (in thousands) 1% of Average Loans 3Q14 4Q14 lis 2Q15 3Q15 3Q14 4Q14 1ais 2Q15 3Q15
Slide 14: Coverage Analysts and Investment Considerations
Coverage Analysts: Brad Milsaps - Sandler O’Neill & Partners Stephen Moss - Evercore ISI Jared Shaw - Wells Fargo Securities, LLC Jefferson Harralson - Keefe, Bruyette and Woods Bill Carcache - Nomura Securities International Investment Considerations We are an entrepreneurial financial services com
Slide 15: Appendix
ot TRIUMPH APPENDIX LIKE NO OTHER TRIUMPH
Slide 16: Non-GAAP Financial Reconciliation
Non-GAAP Financial Reconciliation Metrics and non-GAAP financial reconciliation As of and for the Three Months Ended June 30, March 31, December 31, September 30, June 30, (Dollars in thousands, except per share amounts) 2015 2015 2014 2014 2014 Net income available to common stockholders $4,457 $13
Slide 17: Non-GAAP Financial Reconciliation (cont'd)
Non-GAAP Financial Reconciliation Metrics and non-GAAP financial reconciliation (cont'd) As of and for the Three Months Ended June 30, March 31, December 31, September 30, June 30, (Dollars in thousands, except per share amounts) 2015 2015 2014 2014 2014 Efficiency ratio: Net interest income $24,645
Slide 18: Non-GAAP Financial Reconciliation (cont'd)
Non-GAAP Financial Reconciliation Metrics and non-GAAP financial reconciliation (cont'd) As of and for the Three Months Ended June 30, March 31, December 31, September 30, June 30, (Dollars in thousands, except per share amounts) 2015 2015 2014 2014 2014 Reported yield on loans 9.49% 8.50% 8.98% 8.6