PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Atlantic Trust, National Association

Chicago, IL · Cert 58118

FDIC

Q3 2007

$147.8MAssets
n/aLoans
n/aDeposits
$127.0MEquity

Executive Summary

  • Earnings: ROA of 1.49%, up 61 bps year over year; NIM at 1.11%.

Return on Assets (quarter, annualized)

1.49%+61 bps YoY

Net Interest Margin (quarter, annualized)

1.11%+31 bps YoY

Efficiency Ratio (quarter, annualized)

85.16%+124 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.40%Q3 ’050.80%Q3 ’061.11%Q3 ’07+99%+39%

Non-interest income vs. expense

31.33%Q3 ’0531.30%Q3 ’0632.87%Q3 ’07-204%+22%

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-5.34%0.46%0.40%0.87%-3.81%-0.39%0.79%1.49%+61 bps
Return on Equity-5.98%0.52%0.44%0.98%-4.33%-0.44%0.90%1.72%+74 bps
Net Interest Margin0.51%0.69%0.72%0.80%0.92%1.08%1.11%1.11%+31 bps
Efficiency Ratio111.38%89.70%88.92%83.92%111.39%90.21%91.49%85.16%+124 bps
Non-Interest Burden7.06%0.08%-0.16%-1.80%7.62%0.54%0.89%-1.40%+40 bps
Growth
Asset Growth (YoY)n/an/a1.35%1.19%2.11%1.04%3.12%4.74%+355 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital127.94%120.13%128.59%133.97%145.19%144.97%149.07%150.25%+1,628 bps
Equity / Assets87.88%88.68%89.43%88.93%86.97%88.68%87.28%85.94%-298 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets15.78%14.02%14.39%15.94%19.98%18.21%20.54%22.81%+687 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a