Q2 2012 Peer Comparison
Second Quarter - 2012
COMPARISON OF ATLANTIC CAPITAL BANK WITH ITS PRIMARY REGIONAL COMPETITORS
Company Name Atlantic Capital Bank Synovus Bank Regions Bank SunTrust Bank Bank of America, National Association Wells Fargo Bank, National Association Fidelity Bank Branch Banking and Trust Company
City Atlanta Columbus Birmingham Atlanta Charlotte Sioux Falls Atlanta Winston-Salem
State GA GA AL GA NC SD GA NC
Parent Name Atlantic Capital Bancshares Synovus Financial Corp. Regions Financial Corporation SunTrust Banks, Inc. Bank of America Corporation Wells Fargo & Company Fidelity Southern Corporation BB&T Corporation
Tangible Common Equity / Assets (%) 11.69 11.83 9.48 8.80 8.37 8.16 8.01 6.49
NPAs + 90 Days PD/ Assets (%) 0.29 6.02 4.52 4.44 5.19 5.13 5.43 2.63
Texas Ratio (%) 2.30 25.35 20.09 29.14 45.76 44.8 50.82 27.2
Charge-Offs / Avg Loans (%) -0.01 1.89 1.53 1.23 1.05 1.03 0.60 1.13
Loan Loss Reserves / Loans (%) 1.44 2.26 2.96 1.80 3.05 2.06 1.39 1.75
Loan Loss Reserves / NPLs (%) 842.32 31.24 47.43 45.87 68.29 55 30.77 73.79
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.38 13.24 15.86 14.6 15.78 12.91 13.28 10.92 15.64 12.88 12.63 10.12 12.47 10.71 14.56 12.62
Leverage Ratio (%) 11.84 11.66 10.14 8.83 8.76 8.29 9.35 9
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name Atlantic Capital Bank Guaranty Bank and Trust Company Paragon Commercial Bank CVB Financial Corp. CoBiz Bank PrivateBank and Trust Company Pinnacle National Bank Signature Bank Western Alliance Bank Texas Capital Bank, National Association WestAmerica Bank
City Atlanta Denver Raleigh Ontario Denver Chicago Nashville New York Phoenix Dallas San Rafael
State GA CO NC CA CO IL TN NY AZ TX CA
Parent Name Atlantic Capital Bancshares Guaranty Bancorp Paragon Commercial Corporation CVB Financial Corp. CoBiz Financial Inc. PrivateBancorp, Inc. Pinnacle Financial Partners, Inc. Signature Bank Western Alliance Bancorporation Texas Capital Bancshares, Inc. Westamerica Bancorporation
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 Common Equity / Assets (%) 11.69 11.43 10.56 10.30 10.27 10.08 9.85 9.55 8.75 8.04 7.87
NPAs + 90 Days PD/ Assets (%) 0.29 2.95 5.77 2.41 2.24 3.64 1.89 0.52 2.37 1.12 1.66
Texas Ratio (%) 2.30 20.08 36.21 15.09 10.09 24.62 11.97 3.01 10.58 10.99 18.72
Charge-Offs / Avg Loans (%) -0.01 1.24 0.76 0.24 0.38 1.32 0.36 0.26 0.17 0.03 0.55
Loan Loss Reserves / Loans (%) 1.44 2.64 1.55 2.68 2.84 2.03 2 1.16 1.14 0.84 1.36
Loan Loss Reserves / NPLs (%) 842.32 113.54 31.01 94.58 99.23 59.42 103.21 157.08 41.69 102.88 64.91
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.38 13.24 15.67 14.41 15.83 12.93 19.44 18.18 13.65 12.39 12.71 10.83 13.4 11.92 17.55 16.45 11.63 9.65 10.31 9.1 15.32 13.85
Leverage Ratio (%) 11.84 11.84 9.67 11.35 10.18 9.9 10.22 9.57 8.71 8.6 8.02
COMPARISON OF ATLANTIC CAPITAL BANK WITH ITS PRIMARY REGIONAL COMPETITORS
Company Name Atlantic Capital Bank Synovus Bank Regions Bank SunTrust Bank Bank of America, National Association Wells Fargo Bank, National Association Fidelity Bank Branch Banking and Trust Company
City Atlanta Columbus Birmingham Atlanta Charlotte Sioux Falls Atlanta Winston-Salem
State GA GA AL GA NC SD GA NC
Parent Name Atlantic Capital Bancshares Synovus Financial Corp. Regions Financial Corporation SunTrust Banks, Inc. Bank of America Corporation Wells Fargo & Company Fidelity Southern Corporation BB&T Corporation
Tangible Common Equity / Assets (%) 11.69 11.83 9.48 8.80 8.37 8.16 8.01 6.49
NPAs + 90 Days PD/ Assets (%) 0.29 6.02 4.52 4.44 5.19 5.13 5.43 2.63
Texas Ratio (%) 2.30 25.35 20.09 29.14 45.76 44.8 50.82 27.2
Charge-Offs / Avg Loans (%) -0.01 1.89 1.53 1.23 1.05 1.03 0.60 1.13
Loan Loss Reserves / Loans (%) 1.44 2.26 2.96 1.80 3.05 2.06 1.39 1.75
Loan Loss Reserves / NPLs (%) 842.32 31.24 47.43 45.87 68.29 55 30.77 73.79
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.38 13.24 15.86 14.6 15.78 12.91 13.28 10.92 15.64 12.88 12.63 10.12 12.47 10.71 14.56 12.62
Leverage Ratio (%) 11.84 11.66 10.14 8.83 8.76 8.29 9.35 9
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name Atlantic Capital Bank Guaranty Bank and Trust Company Paragon Commercial Bank CVB Financial Corp. CoBiz Bank PrivateBank and Trust Company Pinnacle National Bank Signature Bank Western Alliance Bank Texas Capital Bank, National Association WestAmerica Bank
City Atlanta Denver Raleigh Ontario Denver Chicago Nashville New York Phoenix Dallas San Rafael
State GA CO NC CA CO IL TN NY AZ TX CA
Parent Name Atlantic Capital Bancshares Guaranty Bancorp Paragon Commercial Corporation CVB Financial Corp. CoBiz Financial Inc. PrivateBancorp, Inc. Pinnacle Financial Partners, Inc. Signature Bank Western Alliance Bancorporation Texas Capital Bancshares, Inc. Westamerica Bancorporation
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 Common Equity / Assets (%) 11.69 11.43 10.56 10.30 10.27 10.08 9.85 9.55 8.75 8.04 7.87
NPAs + 90 Days PD/ Assets (%) 0.29 2.95 5.77 2.41 2.24 3.64 1.89 0.52 2.37 1.12 1.66
Texas Ratio (%) 2.30 20.08 36.21 15.09 10.09 24.62 11.97 3.01 10.58 10.99 18.72
Charge-Offs / Avg Loans (%) -0.01 1.24 0.76 0.24 0.38 1.32 0.36 0.26 0.17 0.03 0.55
Loan Loss Reserves / Loans (%) 1.44 2.64 1.55 2.68 2.84 2.03 2 1.16 1.14 0.84 1.36
Loan Loss Reserves / NPLs (%) 842.32 113.54 31.01 94.58 99.23 59.42 103.21 157.08 41.69 102.88 64.91
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.38 13.24 15.67 14.41 15.83 12.93 19.44 18.18 13.65 12.39 12.71 10.83 13.4 11.92 17.55 16.45 11.63 9.65 10.31 9.1 15.32 13.85
Leverage Ratio (%) 11.84 11.84 9.67 11.35 10.18 9.9 10.22 9.57 8.71 8.6 8.02
