Atlantic Capital Bank

Atlantic Capital Bank is headquartered in Atlanta and is the 15^st largest bank in the state of Georgia. It is also the 645^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 82 employees at 1 location. Atlantic Capital Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics Atlantic Capital Bank FDIC Certificate # 58492 BankRate Report View Year Established 2007 Employees 82 Primary Regulator FDIC Assets and Liabilities Assets $1.02 billion Loans $690.83 million Deposits $877.61 million Equity Capital $118.16 million Loan Loss Allowance $9.73 million Unbacked Noncurrent Loans $5.50 million Real Estate Owned $1.78 million Historic Data - December 2010 Assets $842.34 million Equity Capital $115.93 million Loan Loss Allowance $11.93 million Unbacked Noncurrent Loans $86,000 Real Estate Owned $1.78 million Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 0.21% Return on Equity 1.57% Interest Income $29.68 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Atlantic Capital Bank had $7.28 million in non-current loans and owned real-estate with $127.89 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Capital Bank a Texas Ratio of 5.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Atlantic Capital Bank held steady from 1.46% as of December 31, 2010 to 5.69% as of December 31, 2011, resulting in a negative change of 290.84%. This indicates that the balance sheet and financial strength for Atlantic Capital Bank has held steady in recent periods. Deposit Growth In the past year, Atlantic Capital Bank has increased its total deposits by $183.48 million, resulting in 26.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Atlantic Capital Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Atlantic Capital Bank has $1.02 billion in assets with $127.89 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

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