Atlantic Capital Bank in Atlanta, Georgia (GA)

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Atlantic Capital Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
New Institution
Financial SummaryTotal 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)
Total employees (full-time equivalent)82
Total assets$1,021,276
Cash and due from depository institutions$158,497
Interest-bearing balances$147,646
Federal funds sold & reverse repurchase agreements$9,295
Net loans & leases$690,831
Loan loss allowance $9,731
Trading account assets$0
Bank premises and fixed assets$2,293
Other real estate owned$1,775
Goodwill and other intangibles$0
All other assets$33,224
Life insurance assets$1,021,276
Total liabilities and capital$903,119
Total liabilities$877,606
Total deposits$740,783
Interest-bearing deposits$877,606
Deposits held in domestic offices$29
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$17,912
Other borrowed funds $0
Subordinated debt $7,601
All other liabilities $118,157
Total equity capital$118,157
Total bank equity capital$118,157
Perpetual preferred stock$0
Common stock$60,213
Undivided profits $-12,631
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,500
Earning assets $0
Long-term assets (5+ years) $2,328
Average Assets, year-to-date $973,133
Average Assets, quarterly $91,160
Volatile liabilities $887,782
Insider loans $944,891
FHLB advances $852,828
Loans and leases held for sale $915,027
Unused loan commitments $10,139
Tier 1 (core) risk-based capital $10,139
Tier 2 risk-based capital $117,220
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $229,264
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $29,682
Total interest expense $5,011
Net interest income $24,671
Provision for loan and lease losses $7,144
Total noninterest income $2,235
Fiduciary activities $0
Service charges on deposit accounts $509
Trading account gains & fees $0
Additional noninterest income $1,726
Total noninterest expense $17,599
Salaries and employee benefits $11,612
Premises and equipment expense $1,875
Additional noninterest expense $4,112
Pre-tax net operating income $2,163
Securities gains (losses) $560
Applicable income taxes $882
Income before extraordinary items $1,841
Extraordinary gains - net $0
Net income attributable to bank $1,841
Net charge-offs $0
Cash dividends $1,841
Sale, conversion, retirement of capital stock, net $9,342
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.54%
Cost of funding earning assets 0.60%
Net interest margin 2.94%
Noninterest income to earning assets 0.27%
Noninterest expense to earning assets 2.10%
Net operating income to assets 0.16%
Return on assets (ROA) 0.21%
Pretax return on assets 0.31%
Return on equity (ROE) 1.57%
Retained earnings to average equity (YTD only) 1.57%
Net charge-offs to loans 1.42%
Credit loss provision to net charge-offs 76.47%
Efficiency ratio1.00%
Assets per employee$65,409
Cash dividends to net income (YTD only)12.45%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.39%
Noncurrent assets plus other real estate owned to assets 176.93%
Noncurrent loans to loans 0.71%
Net loans and leases to deposits0.79%
Net loans and leases to core deposits 78.72%
Equity capital to assets 87.15%
Core capital (leverage) ratio 11.57%
Tier 1 risk-based capital ratio 12.81%
Total risk-based capital ratio 13.74%
Average assets$15
Average earning assets$887,782
Average equity $117,320
Average loans $838,435
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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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