This paper mainly deals with the cooling and dehumidifying performance of air coils used in refrigeration and air-conditioning systems. A new method, equivalent dry-bulb temperature (EDT) method, is proposed for calculating the heat and mass transfer and for predicting the cooling modes (totally wet, partially wet, and totally dry) of moist air over the coil surface. A numeric model is further developed and validated with the experimental data of plain fin air coils. The deviation in both the cooling capacity and the vapor condensate estimated by the model is within the range of ±10%, and the prediction for the cooling modes of moist air over the coil surfaces is fairly exact.