Atlantic capital bancshares, inc. (ACBI)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Sep'14
INTEREST INCOME
Loans, including fees

92,696

93,022

92,599

89,175

84,890

80,110

58,948

60,322

62,414

64,436

58,265

57,285

56,206

55,837

77,106

66,018

55,236

44,562

36,804

0

0

0

Investment securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities

-

-

0

0

-

-

0

0

0

-

8,148

7,143

6,115

-

5,445

4,816

4,199

3,301

2,859

0

0

0

Interest and dividends on other interest-earning assets

3,317

3,266

3,354

3,662

3,837

3,738

3,290

2,741

2,467

2,201

2,084

2,013

1,914

1,738

1,599

1,355

1,119

1,104

917

0

0

0

Total interest income

105,673

105,847

105,943

103,440

99,678

94,760

72,816

73,150

74,636

75,818

68,497

66,441

64,235

63,273

84,150

72,189

60,554

48,967

40,580

0

0

0

INTEREST EXPENSE
Interest on deposits

19,743

20,392

19,687

17,646

14,913

12,506

9,034

8,545

8,311

7,934

7,211

6,474

5,834

5,460

6,826

5,621

4,549

3,618

2,967

0

0

0

Interest on Federal Home Loan Bank advances

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest on Federal Home Loan Bank advances

-

-

-

1,395

-

-

-

2,057

1,743

-

1,447

1,121

816

558

331

250

220

290

403

0

0

0

Interest on federal funds purchased and securities sold under agreements to repurchase

393

479

445

423

343

304

270

277

265

222

0

0

0

-

0

0

0

-

0

0

0

0

Interest on long-term debt

3,300

3,295

3,299

3,299

3,299

3,304

3,299

3,299

3,300

3,294

3,299

3,290

3,298

3,285

3,298

2,500

1,668

858

17

0

0

0

Other

-

-

-

-

-

-

-

-

-

-

-

-

-

38

116

116

116

78

0

0

0

-

Total interest expense

24,253

24,983

24,578

22,762

20,445

18,513

14,838

14,178

13,619

12,986

12,175

11,056

10,130

9,554

10,772

8,671

6,675

4,923

3,506

0

0

0

NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES

81,420

80,864

81,365

80,678

79,233

76,247

57,978

58,972

61,017

62,832

56,322

55,385

54,105

53,719

73,378

63,518

53,879

44,044

37,074

0

0

0

Provision for credit losses

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

-

-

2,427

2,859

-

1,946

1,726

1,203

3,356

3,218

5,144

5,285

4,082

3,816

9,231

8,631

8,039

8,035

1,050

0

0

0

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

71,448

78,152

78,938

77,819

77,245

74,301

56,252

57,769

57,661

59,614

51,178

50,100

50,023

49,903

64,147

54,887

45,840

36,009

36,024

0

0

0

NONINTEREST INCOME
Service charges

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges

4,025

3,587

3,465

3,344

3,302

3,215

3,586

4,056

0

-

0

0

-

-

-

-

-

-

-

-

-

-

Gain (loss) on sales of securities

-

-

0

0

-

-

-

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Service charges

-

-

-

-

-

-

-

-

-

-

-

-

5,338

-

5,425

4,676

3,785

2,613

1,665

0

0

0

Gains (losses) on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

44

44

54

43

10

10

0

0

0

Gain (loss) on sales of other assets

135

127

127

45

-111

-154

-200

-214

618

742

1,026

1,053

418

388

339

268

237

189

0

0

0

-

Mortgage income

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Mortgage income

-

-

-

-

-

-

-

-

-

-

-

-

1,835

-

1,581

949

502

163

0

0

0

-

Trust income

-

-

-

0

-

1,025

1,507

1,944

1,925

1,814

1,682

1,606

1,504

1,411

1,253

892

506

192

0

0

0

-

Derivatives income (loss)

35

-322

-483

-170

83

308

151

247

0

-

0

0

-

-

-

-

-

-

-

-

-

-

Derivatives income

-

-

-

-

-

-

-

-

-

-

-

-

144

260

321

319

286

304

233

0

0

0

Bank owned life insurance

1,548

1,546

1,551

1,508

1,497

1,506

1,510

1,515

1,521

1,530

1,541

1,581

1,595

1,610

1,580

1,383

2,321

2,159

2,034

0

0

0

SBA lending activities

3,506

4,178

3,757

3,489

3,390

3,606

4,024

4,030

4,204

4,129

3,885

3,956

3,989

3,642

3,947

3,733

3,432

2,910

2,603

0

0

0

TriNet lending activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,144

1,144

383

0

0

0

0

-

Gains on sale of branches

-

-

-

-

-

-

-

-

-

-

0

0

-

-

0

0

-

-

0

0

-

-

Gain on sale of trust business

-

-

-

0

-

-

-

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Other noninterest income

655

702

739

679

727

715

720

848

1,123

1,137

2,654

2,630

2,399

2,654

1,243

1,186

1,142

859

715

0

0

0

Total noninterest income

10,811

10,725

8,210

7,696

9,221

10,047

9,441

10,663

11,484

12,179

7,300

7,825

11,418

11,981

20,762

18,489

12,637

9,399

7,260

0

0

0

NONINTEREST EXPENSE
Salaries and employee benefits

33,800

34,537

33,610

32,647

32,029

31,766

25,246

28,323

31,015

33,130

29,725

29,375

29,192

28,682

40,695

35,495

29,911

24,098

18,992

0

0

0

Occupancy

3,043

2,888

2,705

2,715

2,726

2,972

1,400

1,797

2,171

2,516

2,042

2,148

2,348

2,218

4,516

3,700

2,849

2,170

1,680

0

0

0

Equipment and software

3,143

3,103

3,117

3,022

2,970

2,817

1,798

1,827

2,122

2,341

2,480

2,566

2,294

2,175

2,880

2,261

1,762

1,295

918

0

0

0

Professional services

2,838

2,908

3,278

3,310

3,461

3,511

3,683

4,482

4,512

4,591

4,382

3,229

3,016

2,860

2,970

2,736

2,249

1,610

840

0

0

0

Postage, printing and supplies

-

-

139

162

-

166

154

162

196

244

197

195

276

360

504

464

323

178

89

0

0

0

Communications and data processing

3,421

3,199

2,905

2,675

2,670

2,676

1,491

1,907

2,319

2,625

2,749

2,384

2,009

1,938

2,782

2,478

2,126

1,541

1,296

0

0

0

Marketing and business development

772

845

926

894

796

710

563

624

668

798

872

869

1,007

1,004

1,050

871

631

410

333

0

0

0

Travel, meals and entertainment

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC Premiums

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC premiums

-

-

-

721

0

-

-

502

491

697

485

592

953

1,037

1,579

1,325

1,021

789

674

0

0

0

Merger and conversion costs

-

-

-

-

-

-

-

-

-

-

0

0

-

2,742

9,710

9,849

9,395

9,154

1,982

0

0

0

Amortization of intangibles

-

-

-

-

-

-

-

-

-

-

1,781

1,910

2,153

-

2,476

1,956

1,288

526

0

0

0

-

Foreclosed property/problem asset expense

-

-

-

-

-

-

-

-

-

-

783

815

763

-

0

0

0

-

-

-

-

-

Other noninterest expense

5,080

5,274

4,762

4,865

4,862

4,811

4,466

4,759

5,053

5,588

5,770

6,396

6,882

7,083

8,314

6,755

5,268

4,092

2,543

0

0

0

Total noninterest expense

52,190

53,108

51,934

51,129

50,498

49,991

37,746

43,378

48,378

52,834

48,465

48,257

49,577

50,099

77,744

68,119

56,997

45,933

29,347

0

0

0

INCOME FROM CONTINUING OPERATIONS BEFORE PROVISION FOR INCOME TAXES

30,069

35,769

35,214

34,386

35,968

34,357

27,947

25,054

20,767

18,959

10,013

9,668

11,864

11,785

7,165

5,257

1,480

-525

13,937

0

0

0

Provision for income taxes

6,227

7,611

6,713

6,456

6,669

6,307

23,747

23,800

23,562

23,715

2,624

2,623

4,001

4,221

3,540

3,114

1,582

794

5,109

0

0

0

NET INCOME FROM CONTINUING OPERATIONS

23,842

28,158

28,501

27,930

29,299

28,050

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Income (loss) from discontinued operations

-

28,690

30,486

29,840

-570

643

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision (benefit) for income taxes

-

6,993

7,442

7,898

-142

161

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income (loss) from discontinued operations

-

21,697

23,044

21,942

-428

482

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

NET INCOME

46,602

49,855

51,545

49,872

28,871

28,532

4,365

1,904

-1,918

-3,726

13,220

12,876

13,694

13,395

3,625

2,143

-102

-1,319

8,828

0

0

0

Net income (loss) per common share ‑ basic
Net income per common share - continuing operations

0.10

0.33

0.33

0.29

0.26

0.29

0.27

0.32

0.20

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income (loss) per common share - discontinued operations (in dollars per share)

-

0.01

0.03

0.93

-0.04

0.06

-0.02

-0.01

-0.01

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income per common share - basic

0.10

0.34

0.36

1.22

0.22

0.34

0.25

0.31

0.20

-0.61

0.16

0.17

0.13

0.06

0.15

0.21

0.12

-0.59

0.16

0.21

0.13

0.15

Net income (loss) per common share ‑ diluted
Net income per common share - continuing operations

0.10

0.32

0.33

0.29

0.26

0.28

0.27

0.32

0.20

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income (loss) per common share - discontinued operations

-

0.01

0.03

0.92

-0.04

0.06

-0.02

-0.01

-0.01

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income per common share - diluted

0.10

0.34

0.36

1.21

0.21

0.34

0.25

0.31

0.19

-0.61

0.16

0.17

0.13

0.06

0.15

0.20

0.12

-0.58

0.16

0.21

0.12

0.15