Atlantic Capital Bank in Atlanta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Atlantic Capital Bank - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    0454109Atlantic Capital Bank3280 Peachtree Road, Suite 1600, Atlanta, GA 30305May 15, 2007Full Service Brick and Mortar

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