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 0.63%, up 6 bps year over year; NIM at 1.09%.

Return on Assets (YTD, annualized)

0.63%+6 bps YoY

Net Interest Margin (YTD, annualized)

1.09%+36 bps YoY

Efficiency Ratio (YTD, annualized)

88.91%+141 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.41%Q3 ’050.73%Q3 ’061.09%Q3 ’07+80%+49%

Non-interest income vs. expense

30.61%Q3 ’0532.30%Q3 ’0633.39%Q3 ’07-164%+100%

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-1.67%0.46%0.43%0.58%-0.53%-0.39%0.20%0.63%+6 bps
Return on Equityn/a0.52%0.48%0.65%-0.60%-0.44%0.23%0.73%+8 bps
Net Interest Margin0.44%0.69%0.71%0.73%0.77%1.08%1.10%1.09%+36 bps
Efficiency Ratio97.38%89.70%89.31%87.50%93.67%90.21%90.86%88.91%+141 bps
Non-Interest Burden2.52%0.08%-0.04%-0.62%1.45%0.54%0.72%0.00%+63 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