FDIC Certificate #: 58492 Status: Active Federal Reserve ID: 3555695 Bank Holding Company (Regulatory Top Holder): Bankcap Partners Fund I, L.P. (RSSDID: 3559657, Location: Dallas, TX) Date Established: May 15, 2007 WWW:http://www.atlanticcapitalbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 454109 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 15, 2007 Last Structure Change Effective Date: May 15, 2007 Last Structure Change Process Date: May 15, 2007 Last Data Update: May 15, 2007 Data Source Date: April 05, 2012
Location
Address: 3280 Peachtree Road, Suite 1600, Atlanta, GA 30305 County: Fulton Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Atlanta Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Atlanta, GA (#520) Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122) Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060) CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $1,021.3 mil Equity capital: $118.2 mil Deposits held in domestic offices: $877.6 mil Return on assets (ROA): 0.21% ($2.1 mil) Quarterly return on assets: 0.07% ($0.7 mil) Return on Equity (ROE): 1.57% ($1.9 mil) Quarterly return on equity: 0.54% ($0.6 mil) Net income: $1.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.31% ($3,166.0 mil) Quarterly Pretax return on assets: 0.08% ($817.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
82Total employees (full-time equivalent)
$1,021,276Total assets
$158,497Cash and due from depository institutions
$147,646Interest-bearing balances
$125,361Securities
$9,295Federal funds sold & reverse repurchase agreements
$690,831Net loans & leases
$9,731Loan loss allowance
$0Trading account assets
$2,293Bank premises and fixed assets
$1,775Other real estate owned
$0Goodwill and other intangibles
$1,021,276Life insurance assets
$33,224All other assets
$903,119Total liabilities and capital
$877,606Total liabilities
$740,783Total deposits
$877,606Interest-bearing deposits
$29Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$17,912Trading liabilities
$0Other borrowed funds
$7,601Subordinated debt
$118,157All other liabilities
$118,157Total equity capital
$118,157Total bank equity capital
$0Perpetual preferred stock
$60,213Common stock
$70,575Surplus
$-12,631Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,500Income earned, not collected on loans
$0Earning assets
$2,328Long-term assets (5+ years)
$973,133Average Assets, year-to-date
$91,160Average Assets, quarterly
$887,782Volatile liabilities
$944,891Insider loans
$852,828FHLB advances
$915,027Loans and leases held for sale
$10,139Unused loan commitments
$10,139Tier 1 (core) risk-based capital
$117,220Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$229,264Restructured Loans and leases
$368Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$29,682Total interest income
$5,011Total interest expense
$24,671Net interest income
$7,144Provision for loan and lease losses
$2,235Total noninterest income
$0Fiduciary activities
$509Service charges on deposit accounts
$0Trading account gains & fees
$1,726Additional noninterest income
$17,599Total noninterest expense
$11,612Salaries and employee benefits
$1,875Premises and equipment expense
$4,112Additional noninterest expense
$2,163Pre-tax net operating income
$560Securities gains (losses)
$882Applicable income taxes
$1,841Income before extraordinary items
$0Extraordinary gains - net
$1,841Net income attributable to bank
$0Net charge-offs
$1,841Cash dividends
$9,342Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.54%Yield on earning assets
0.60%Cost of funding earning assets
2.94%Net interest margin
0.27%Noninterest income to earning assets
2.10%Noninterest expense to earning assets
0.16%Net operating income to assets
0.21%Return on assets (ROA)
0.31%Pretax return on assets
1.57%Return on equity (ROE)
1.57%Retained earnings to average equity (YTD only)
1.42%Net charge-offs to loans
76.47%Credit loss provision to net charge-offs
1.00%Efficiency ratio
65,409Assets per employee
12.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
176.93%Noncurrent assets plus other real estate owned to assets
0.71%Noncurrent loans to loans
0.79%Net loans and leases to deposits
78.72%Net loans and leases to core deposits
87.15%Equity capital to assets
11.57%Core capital (leverage) ratio
12.81%Tier 1 risk-based capital ratio
13.74%Total risk-based capital ratio
Memoranda
$15Average assets
$887,782Average earning assets
$117,320Average equity
$838,435Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
454109
Atlantic Capital Bank
3280 Peachtree Road, Suite 1600, Atlanta, GA 30305
May 15, 2007
Full Service Brick and Mortar
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