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Private Bank of Buckhead

Atlanta, GA · Cert 58380

FDIC · 2 branches

Q4 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Private Bank of Buckhead

Atlanta, GA · Cert 58380

FDIC · 2 branches

Q4 2016

$322.5MAssets
$291.5MLoans
$291.5MDeposits
$27.3MEquity
Loan mix
84%RE $203.3M15%C&I $35.9M2%Consumer $3.7MQ4 2015Q4 2016
Deposit mix
52%Interest-bearing $150.3M48%Noninterest $141.2MQ4 2015Q4 2016

NIM

4.66%Q4 ’144.67%Q4 ’154.49%Q4 ’16+2%-4%

Non-interest income vs. expense

4.70%Q4 ’145.12%Q4 ’155.42%Q4 ’16-30%+14%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2016 SOD (annual) · 0.2% share · #36 of 91 inst. · $0.3B of $156.2B

0.2% Fulton
0.4% DeKalb

Executive Summary

  • Earnings: ROA of 1.47%, down 58 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.15%, down 98 bps from a year ago.
  • Funding: loans stand at 100.00% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

1.47%-58 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-16 bps YoY

Efficiency Ratio (YTD, annualized)

78.46%+633 bps YoY

Tier 1 Leverage Ratio

8.15%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets2.05%1.22%1.31%1.42%1.47%-58 bps
Return on Equity22.70%14.57%15.49%17.10%17.59%-511 bps
Net Interest Margin4.41%4.71%4.59%4.41%4.25%-16 bps
Efficiency Ratio72.13%77.97%78.56%77.98%78.46%+633 bps
Non-Interest Burden2.43%3.15%3.04%2.86%2.76%+33 bps
Growth
Asset Growth (YoY)14.13%14.13%10.32%25.72%14.98%+85 bps
Loan Growth (YoY)22.82%23.45%22.51%28.05%16.64%-618 bps
Deposit Growth (YoY)15.69%8.30%16.12%23.06%35.41%+1,971 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.18%0.09%0.06%0.04%-4 bps
Allowance / Loans1.15%1.14%1.18%1.14%1.13%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.13%8.31%8.38%8.25%8.15%-98 bps
Total Risk-Based Capital11.66%10.54%11.03%10.59%10.86%-80 bps
Equity / Assets8.81%7.96%8.58%7.99%8.45%-36 bps
Liquidity & Funding
Loans / Deposits116.09%109.08%105.23%103.59%100.00%-1,609 bps
Liquid Assets / Assets2.53%4.20%1.26%7.06%4.81%+229 bps
CRE / Total Capitaln/an/an/an/an/an/an/a