First Quarter - 2011
COMPARISON OF ATLANTIC CAPITAL BANK WITH ITS PRIMARY REGIONAL COMPETITORS
Company Name
Atlantic Capital Bank
Synovus Bank
Wells Fargo Bank, NA
Fidelity Bank
SunTrust Bank
Regions Bank
Bank of America, NA
Branch Banking and Trust Company
City
Atlanta
Columbus
Sioux Falls
Atlanta
Atlanta
Birmingham
Charlotte
Winston-Salem
State
GA
GA
SD
GA
GA
AL
NC
NC
Parent Name
Atlantic Capital Bancshares
Synovus Financial Corp.
Wells Fargo & Company
Fidelity Southern Corporation
SunTrust Banks, Inc.
Regions Financial Corporation
Bank of America Corporation
BB&T Corporation
Tangible
NPAs + 90
Common Equity Days PD/
/ Assets (%)
Assets (%)
13.28
10.20
8.52
8.49
8.37
8.32
7.61
7.44
Texas Ratio
(%)
0.67
5.55
5.62
5.37
5.39
4.63
4.47
4.89
4.65
28.83
48.06
42.27
38.51
32.73
42.93
45.34
Charge-Offs
/ Avg Loans
(%)
1.54
2.69
1.52
1.07
1.94
2.29
1.80
1.41
Loan Loss
Reserves /
Loans (%)
1.65
3.17
2.66
1.92
2.44
3.84
3.31
2.42
Loan Loss
Reserves /
NPAs (%)
177.81
42.73
54.96
27.71
39.53
60.06
63.88
45.12
Tier 1 Risk
Risk Based
Based
Capital Ratio
Capital Ratio
(%)
(%)
16.69
15.44
14.39
13.12
13.37
10.43
13.54
11.67
13.05
10.48
15.13
11.89
14.26
10.78
15.83
13.40
Leverage
Ratio (%)
13.66
9.74
8.79
9.65
8.50
9.02
7.83
10.24
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name
Atlantic Capital Bank
Sterling Bank
PrivateBank & Trust Company
Pinnacle National Bank
Texas Capital Bank, NA
CoBiz Bank
Paragon Commercial Bank
City
Atlanta
Houston
Chicago
Nashville
Dallas
Denver
Raleigh
State
GA
TX
IL
TN
TX
CO
NC
Parent Name
Atlantic Capital Bancshares
Sterling Bancshares, Inc.
PrivateBancorp, Inc.
Pinnacle Financial Partners, Inc.
Texas Capital Bancshares, Inc.
CoBiz Financial Inc.
Paragon Commercial Corporation
Source: SNL Financial and FDIC Call-Reports
Banks are listed in descending order based on the ratio of "Tangible Common Equity / Assets"
"Texas Ratio" = NPA + 90day Past Dues / Tangible Equity + Loan Loss Reserve
"Charge-Offs" are YTD annualized
All data is based on regulatory accounting for the bank subsidiaries of the holding companies shown. These numbers
may differ slightly from consolidated numbers calculated on a GAAP basis, as are shown in the other attachments
related to Atlantic Capital Bancshares, the holding company for Atlantic Capital Bank.
Tangible
NPAs + 90
Common Equity Days PD/
/ Assets (%)
Assets (%)
13.28
9.52
9.34
9.03
9.03
8.99
8.00
0.67
3.97
4.76
3.09
2.76
2.07
8.16
Texas Ratio
(%)
4.65
33.80
35.17
26.01
23.53
17.85
58.72
Charge-Offs
/ Avg Loans
(%)
1.54
1.84
1.74
1.21
0.66
1.34
1.56
Loan Loss
Reserves /
Loans (%)
1.65
2.90
2.55
2.45
1.27
3.81
2.13
Loan Loss
Reserves /
NPAs (%)
177.81
38.14
40.07
53.50
42.61
129.35
18.73
Tier 1 Risk
Risk Based
Based
Capital Ratio
Capital Ratio
(%)
(%)
16.69
15.44
16.86
14.14
12.67
10.53
13.28
11.69
10.73
9.48
11.84
10.57
11.79
9.19
Leverage
Ratio (%)
13.66
9.25
9.26
9.39
8.70
8.57
7.03