Q3 2012 Peer Comparison
Third 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 Fidelity Bank Wells Fargo Bank, National Association Branch Banking and Trust Company
City Atlanta Columbus Birmingham Atlanta Charlotte Atlanta Sioux Falls Winston-Salem
State GA GA AL GA NC GA SD NC
Parent Name Atlantic Capital Bancshares Synovus Financial Corp. Regions Financial Corporation SunTrust Banks, Inc. Bank of America Corporation Fidelity Southern Corporation Wells Fargo & Company BB&T Corporation
Tangible Common Equity / Assets (%) 11.67 12.29 9.96 8.98 8.43 8.25 8.17 6.30
NPAs + 90 Days PD/ Assets (%) 0.25 5.97 4.42 4.12 5.46 5.75 4.96 2.43
Texas Ratio (%) 1.94 23.41 18.95 25.65 49.28 49.55 43.64 25.48
Charge-Offs / Avg Loans (%) -0.46 1.91 1.48 1.35 1.15 0.48 1.04 1.07
Loan Loss Reserves / Loans (%) 1.46 2.08 2.69 1.76 2.53 1.57 1.91 1.62
Loan Loss Reserves / NPLs (%) NM 30.19 44.04 52.41 57.35 33.06 50.71 73.26
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 13.9 12.74 15.85 14.59 16.22 13.35 13.39 11.15 15.18 12.78 12.62 10.87 12.11 9.69 13.96 12.16
Leverage Ratio (%) 11.5 12.12 10.57 9.05 8.76 9.02 8.22 8.71
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name Atlantic Capital Bank Guaranty Bank and Trust Company CoBiz Bank CVB Financial Corp. Paragon Commercial Bank Pinnacle Bank PrivateBank and Trust Company Signature Bank Western Alliance Bank WestAmerica Bank Texas Capital Bank, National Association
City Atlanta Denver Denver Ontario Raleigh Nashville Chicago New York Phoenix San Rafael Dallas
State GA CO CO CA NC TN IL NY AZ CA TX
Parent Name Atlantic Capital Bancshares Guaranty Bancorp CoBiz Financial Inc. CVB Financial Corp. Paragon Commercial Corporation Pinnacle Financial Partners, Inc. PrivateBancorp, Inc. Signature Bank Western Alliance Bancorporation Westamerica Bancorporation Texas Capital Bancshares, Inc.
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 (%) 11.67 11.11 10.58 10.56 10.44 10.26 10.10 9.63 8.79 8.07 7.79
NPAs + 90 Days PD/ Assets (%) 0.25 2.74 2.06 2.24 5.60 1.7 2.95 0.61 2.86 1.52 0.9
Texas Ratio (%) 1.94 19.53 8.48 12.89 33.92 10.33 21.71 3.49 16.85 16.82 9.49
Charge-Offs / Avg Loans (%) -0.46 0.91 0.44 0.12 0.65 0.31 1.17 0.24 0.18 0.56 0.04
Loan Loss Reserves / Loans (%) 1.46 2.56 2.51 2.71 1.56 1.94 1.91 1.12 1.09 1.4 0.79
Loan Loss Reserves / NPLs (%) NM 114.34 100.14 85.79 33.10 113.91 70.24 156.93 35.93 68.26 110.99
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 13.9 12.74 15.68 14.42 13.7 12.44 19.77 18.51 15.53 12.65 13.26 12 12.55 10.89 17.23 16.15 11.26 9.48 15.78 14.3 10.41 8.93
Leverage Ratio (%) 11.5 11.54 10.28 11.37 9.74 10.46 9.93 9.6 8.93 8.15 8.3
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 Fidelity Bank Wells Fargo Bank, National Association Branch Banking and Trust Company
City Atlanta Columbus Birmingham Atlanta Charlotte Atlanta Sioux Falls Winston-Salem
State GA GA AL GA NC GA SD NC
Parent Name Atlantic Capital Bancshares Synovus Financial Corp. Regions Financial Corporation SunTrust Banks, Inc. Bank of America Corporation Fidelity Southern Corporation Wells Fargo & Company BB&T Corporation
Tangible Common Equity / Assets (%) 11.67 12.29 9.96 8.98 8.43 8.25 8.17 6.30
NPAs + 90 Days PD/ Assets (%) 0.25 5.97 4.42 4.12 5.46 5.75 4.96 2.43
Texas Ratio (%) 1.94 23.41 18.95 25.65 49.28 49.55 43.64 25.48
Charge-Offs / Avg Loans (%) -0.46 1.91 1.48 1.35 1.15 0.48 1.04 1.07
Loan Loss Reserves / Loans (%) 1.46 2.08 2.69 1.76 2.53 1.57 1.91 1.62
Loan Loss Reserves / NPLs (%) NM 30.19 44.04 52.41 57.35 33.06 50.71 73.26
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 13.9 12.74 15.85 14.59 16.22 13.35 13.39 11.15 15.18 12.78 12.62 10.87 12.11 9.69 13.96 12.16
Leverage Ratio (%) 11.5 12.12 10.57 9.05 8.76 9.02 8.22 8.71
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name Atlantic Capital Bank Guaranty Bank and Trust Company CoBiz Bank CVB Financial Corp. Paragon Commercial Bank Pinnacle Bank PrivateBank and Trust Company Signature Bank Western Alliance Bank WestAmerica Bank Texas Capital Bank, National Association
City Atlanta Denver Denver Ontario Raleigh Nashville Chicago New York Phoenix San Rafael Dallas
State GA CO CO CA NC TN IL NY AZ CA TX
Parent Name Atlantic Capital Bancshares Guaranty Bancorp CoBiz Financial Inc. CVB Financial Corp. Paragon Commercial Corporation Pinnacle Financial Partners, Inc. PrivateBancorp, Inc. Signature Bank Western Alliance Bancorporation Westamerica Bancorporation Texas Capital Bancshares, Inc.
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 (%) 11.67 11.11 10.58 10.56 10.44 10.26 10.10 9.63 8.79 8.07 7.79
NPAs + 90 Days PD/ Assets (%) 0.25 2.74 2.06 2.24 5.60 1.7 2.95 0.61 2.86 1.52 0.9
Texas Ratio (%) 1.94 19.53 8.48 12.89 33.92 10.33 21.71 3.49 16.85 16.82 9.49
Charge-Offs / Avg Loans (%) -0.46 0.91 0.44 0.12 0.65 0.31 1.17 0.24 0.18 0.56 0.04
Loan Loss Reserves / Loans (%) 1.46 2.56 2.51 2.71 1.56 1.94 1.91 1.12 1.09 1.4 0.79
Loan Loss Reserves / NPLs (%) NM 114.34 100.14 85.79 33.10 113.91 70.24 156.93 35.93 68.26 110.99
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 13.9 12.74 15.68 14.42 13.7 12.44 19.77 18.51 15.53 12.65 13.26 12 12.55 10.89 17.23 16.15 11.26 9.48 15.78 14.3 10.41 8.93
Leverage Ratio (%) 11.5 11.54 10.28 11.37 9.74 10.46 9.93 9.6 8.93 8.15 8.3
