Q1 2012 Peer Comparison
First Quarter - 2012
COMPARISON OF ATLANTIC CAPITAL BANK WITH ITS PRIMARY REGIONAL COMPETITORS
Company Name Atlantic Capital Bank Synovus Bank Regions Bank SunTrust Bank Fidelity Bank Bank of America, National Association Wells Fargo Bank, National Association Branch Banking and Trust Company
City Atlanta Columbus Birmingham Atlanta Atlanta Charlotte Sioux Falls Winston-Salem
State GA GA AL GA GA NC SD NC
Parent Name Atlantic Capital Bancshares Synovus Financial Corp. Regions Financial Corporation SunTrust Banks, Inc. Fidelity Southern Corporation Bank of America Corporation Wells Fargo & Company BB&T Corporation
Tangible Common Equity / Assets (%) 11.99 11.25 9.32 8.56 8.41 8.14 8.06 6.94
NPAs + 90 Days PD/ Assets (%) 0.73 6.05 4.65 4.66 5.13 5.17 5.27 2.96
Texas Ratio (%) 5.59 27.63 21.87 31.85 44.41 46.14 46.55 29.69
Charge-Offs / Avg Loans (%) 0.00 1.84 1.7 1.35 0.56 1.10 1.08 1.14
Loan Loss Reserves / Loans (%) 1.38 2.52 3.25 1.87 1.60 3.18 2.16 1.87
Loan Loss Reserves / NPLs (%) 183.85 34.07 49.54 44.39 33.41 72.21 54.00 71.46
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.21 13.09 15.55 14.29 16.17 13.1 13.18 10.8 12.76 10.97 15.78 12.28 12.81 10.14 15.66 13.44
Leverage Ratio (%) 12.05 11.27 10.17 8.69 9.25 8.57 8.37 9.41
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name Atlantic Capital Bank Guaranty Bank & Trust Company Pinnacle National Bank CoBiz Bank PrivateBank & Trust Company CVB Financial Corp. Paragon Commercial Bank Signature Bank Western Alliance Bank Texas Capital Bank, National Association WestAmerica Bank
City Atlanta Denver Nashville Denver Chicago Ontario Raleigh New York Phoenix Dallas San Rafael
State GA CO TN CO IL CA NC NY AZ TX CA
Parent Name Atlantic Capital Bancshares Guaranty Bancorp Pinnacle Financial Partners, Inc. CoBiz Financial Inc. PrivateBancorp, Inc. CVB Financial Corp. Paragon Commercial Corporation 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 (%) 11.99 11.43 10.39 10.22 10.09 10.09 10.03 9.58 8.72 8.22 7.67
NPAs + 90 Days PD/ Assets (%) 0.73 3.75 2.10 2.34 4.33 2.62 7.23 0.77 2.4 1.18 1.63
Texas Ratio (%) 5.59 26.1 13.70 12.29 27.42 17.57 45.49 4.56 9.59 11.44 19.15
Charge-Offs / Avg Loans (%) 0.00 2.02 0.44 0.76 1.52 0.52 1.47 0.28 0.03 0.04 0.57
Loan Loss Reserves / Loans (%) 1.38 2.71 2.12 3.11 2.22 2.7 1.64 1.19 1.14 0.89 1.32
Loan Loss Reserves / NPLs (%) 183.85 88.69 109.41 104.51 53.22 92.83 24.89 120.35 41.63 114.74 71.21
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.21 13.09 15.53 14.26 14.14 12.64 13.64 12.37 12.68 10.79 19.05 17.79 15.2 12.32 17.96 16.86 11.67 9.66 10.15 9.02 15.62 14.13
Leverage Ratio (%) 12.05 11.89 10.59 9.99 9.95 11.19 9.35 9.62 8.89 8.53 7.92
COMPARISON OF ATLANTIC CAPITAL BANK WITH ITS PRIMARY REGIONAL COMPETITORS
Company Name Atlantic Capital Bank Synovus Bank Regions Bank SunTrust Bank Fidelity Bank Bank of America, National Association Wells Fargo Bank, National Association Branch Banking and Trust Company
City Atlanta Columbus Birmingham Atlanta Atlanta Charlotte Sioux Falls Winston-Salem
State GA GA AL GA GA NC SD NC
Parent Name Atlantic Capital Bancshares Synovus Financial Corp. Regions Financial Corporation SunTrust Banks, Inc. Fidelity Southern Corporation Bank of America Corporation Wells Fargo & Company BB&T Corporation
Tangible Common Equity / Assets (%) 11.99 11.25 9.32 8.56 8.41 8.14 8.06 6.94
NPAs + 90 Days PD/ Assets (%) 0.73 6.05 4.65 4.66 5.13 5.17 5.27 2.96
Texas Ratio (%) 5.59 27.63 21.87 31.85 44.41 46.14 46.55 29.69
Charge-Offs / Avg Loans (%) 0.00 1.84 1.7 1.35 0.56 1.10 1.08 1.14
Loan Loss Reserves / Loans (%) 1.38 2.52 3.25 1.87 1.60 3.18 2.16 1.87
Loan Loss Reserves / NPLs (%) 183.85 34.07 49.54 44.39 33.41 72.21 54.00 71.46
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.21 13.09 15.55 14.29 16.17 13.1 13.18 10.8 12.76 10.97 15.78 12.28 12.81 10.14 15.66 13.44
Leverage Ratio (%) 12.05 11.27 10.17 8.69 9.25 8.57 8.37 9.41
COMPARISON OF ATLANTIC CAPITAL BANK WITH BANKS HAVING SIMILAR BUSINESS MODELS
Company Name Atlantic Capital Bank Guaranty Bank & Trust Company Pinnacle National Bank CoBiz Bank PrivateBank & Trust Company CVB Financial Corp. Paragon Commercial Bank Signature Bank Western Alliance Bank Texas Capital Bank, National Association WestAmerica Bank
City Atlanta Denver Nashville Denver Chicago Ontario Raleigh New York Phoenix Dallas San Rafael
State GA CO TN CO IL CA NC NY AZ TX CA
Parent Name Atlantic Capital Bancshares Guaranty Bancorp Pinnacle Financial Partners, Inc. CoBiz Financial Inc. PrivateBancorp, Inc. CVB Financial Corp. Paragon Commercial Corporation 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 (%) 11.99 11.43 10.39 10.22 10.09 10.09 10.03 9.58 8.72 8.22 7.67
NPAs + 90 Days PD/ Assets (%) 0.73 3.75 2.10 2.34 4.33 2.62 7.23 0.77 2.4 1.18 1.63
Texas Ratio (%) 5.59 26.1 13.70 12.29 27.42 17.57 45.49 4.56 9.59 11.44 19.15
Charge-Offs / Avg Loans (%) 0.00 2.02 0.44 0.76 1.52 0.52 1.47 0.28 0.03 0.04 0.57
Loan Loss Reserves / Loans (%) 1.38 2.71 2.12 3.11 2.22 2.7 1.64 1.19 1.14 0.89 1.32
Loan Loss Reserves / NPLs (%) 183.85 88.69 109.41 104.51 53.22 92.83 24.89 120.35 41.63 114.74 71.21
Tier 1 Risk Risk Based Based Capital Ratio Capital Ratio (%) (%) 14.21 13.09 15.53 14.26 14.14 12.64 13.64 12.37 12.68 10.79 19.05 17.79 15.2 12.32 17.96 16.86 11.67 9.66 10.15 9.02 15.62 14.13
Leverage Ratio (%) 12.05 11.89 10.59 9.99 9.95 11.19 9.35 9.62 8.89 8.53 7.92
