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Persona
Signature Bank
A Productive
Year
Getting to
Know Us
New
Faces
2016 Third Quarter
Highlights
Client
Testimonials
Our Persona
A newsletter
designed to keep
our shareholders
informed and
engaged. Its been
an exciting 2016!
Thank you.
News from Your Bank that Makes it Personal WINTER 2016/2017
PERSONAPAGE 2
A Productive
Year
Much has been accomplished in
2016 as we’ve worked diligently
to attract the best in class
throughout our various lines of
business. We are poised to gain
much ground in 2017.
Message from the President
It’s hard to believe we are approaching 2017 and entering our
12th year.
We’ve been blessed and fortunate to have such a loyal client
base believing in us. We are also extremely thankful to our
shareholders as you have been patient over the last few years as
we’ve been building a strong team and creating a technologically
advanced product suite that rivals all of the larger competitors.
I’m confident of our team. I am also confident of the possibilities
which await us in the new year. We continue to keep your
best interest at heart and we cannot thank you enough during
this approaching holiday season for your business and your
continued support.
May you and yours enjoy a wonderful season of prosperity,
growth and success.
We hope to see you soon.
SERVING
OUR CLIENTS
since
2005
PAGE 3WINTER 2016/2017
Getting to Know Us.
Featuring Leslie Hammond, Managing Director of Retail Banking
As a young adult I realized serving the community was my calling and my passion.
I gained so much satisfaction from giving 100% to a task and seeing the benefits
returned ten-fold.
It was an easy move to extend that service spirit into the financial industry when I
chose my career. To help people accomplish their financial goals and realize their
dreams was another impactful way I could continually make a dierence.
As Senior Vice President and Managing Director of Retail Banking at Signature
Bank, I’m responsible for the overall strategic direction of retail banking with my
primary focus being to establish new relationships leading to the organic growth of
loans and deposits.
Who knew that a true community bank still existed! My clients have always been #1
with me and to find a bank that is so service-centric and encourages me to exceed
the expectations of my clients is exciting. I’m very fortunate to have landed at an
amazing bank where I can spread the news about our unique boutique banking
environment. It’s certainly not your typical bank and it allows me to serve my clients
and my community with the 100% dedication that continues to motivate me.
Leslie is also dedicated to the community and supporting our troops. She was recently selected to Co-Chair Cobb Chamber’s Honorary
Commanders Association for 2017-18. Their mission is to partner community leaders with military commanders, giving them the opportunity
to learn more about military activities that impact our economy and aspects of the national defense system. Leslie was in the Class of 2013 and
served on the Steering Committee 2014 - 16.
Leslie
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very competitive rates.
2016 Innovations
The issue of chip-enabled debit cards is complete! This further protects our clients
by oering enhanced security against fraud and data compromises at CHIP ready
terminals..
Payscape is a Signature Bank solutions partner for helping our business clients accept payments, streamline their
business and increase cashflow. Their solutions include:
• Payment Gateway
• Ecommerce & POS Systems
• Mobile Payments
• Online Registration
• Online Invoicing
• Online Donations
Websites
lhammond@signaturebankga.com | 404-256-7708
PERSONAPAGE 4
Eva Farag is named Senior Vice President and Managing Director of
SBA Lending Group.
With over 30 years of diverse experience (risk management, credit underwriting and compliance) in the financial services
industry, Eva has focused her last four years helping business owners throughout metro Atlanta and Georgia obtain financing
through the various programs oered by the Small Business Administration. “To attract someone of Eva’s caliber to lead our SBA
Lending Group is yet another incredibly exciting step in our turnaround,” says Freddie Deutsch. “Her anity toward government
guaranteed lending coupled with her level of knowledge and strong business development acumen makes her uniquely qualified
to join the team of outstanding banking professionals we have assembled here at Signature.”
“It’s a wonderful opportunity,” says Eva. “I have always valued my client relationships above all else in my professional career.
Signature’s boutique business model will now enable me to deliver the best solutions to my clients with a locally owned and
operated community bank who genuinely understand many of the challenges small business owners face daily - the need for
timely and flexible financing structures. Being with this team, I truly feel like I’ve finally come home.”
Farag holds a Bachelor of Science in Accounting and Auditing from World Education Services in New York.
CONTACT INFORMATION: efarag@signaturebankga.com | 404-256-7734
Ashley Ward Joins as Loan Operations Ocer
As an accomplished Real Estate Manager with ten years of experience in operational eciencies, workow automation and data
analytics, Ashley will be a valuable member of the loan operations team. She most recently served as a Title Curator with a local
law firm and has gained extensive knowledge in compliance guidelines, title filings, operational improvements and business
continuity and planning.
Finding someone with Ashley’s experience and her desire to deepen her loan operation skills makes her a great fit for the
position,” says Nadia Perrmann, Director of Loan Operations and Loan Compliance. “Attention to detail with strong focus on
follow-up to closure is essential in this position and I look forward to having Ashley’s support as our loan portfolio continues to
expand.
As Loan Operations Ocer, Ward will assist the Director of Loan Operations in coordinating the lending operations of the bank as
well as provide best in class service to the bank’s lending teams.
This is an exciting change and opportunity for me” said Ashley. “I’m excited to learn new things and expand my experience level
into the financial lending field. I’ve heard great things about Signature Bank and the level of service they are committed to provide.
I’m also especially excited about the size of the company and the opportunities to grow and bring a true value to the team.
CONTACT INFORMATION: award@signaturebankga.com | 404-256-7718
Deja Silas joins as Client Support Banker
Deja has been developing her career in client support roles since 2010 where she started with a bank in Louisiana. As
a graduate of Grambling State University with a degree in Psychology, Deja has strong client service and relationship
management skills she has developed in various support roles throughout her early career. Her recent role with a
local bank in Atlanta as the Personal Banker and Lead Teller has further developed her retail banking expertise.
Makisha Gann, Assistant Financial Center Manager states, “We are extremely excited to have Deja join the financial
center team. Her client-centric focus and servant heart are qualities that can’t be taught. Deja naturally possesses
these qualities and embraces the importance of delivering the boutique-banking business model we are dedicated to
providing our clients.”
As Client Support Banker, Deja will assist clients with account openings, questions, requests and also serve as back-
up support for the Lead Teller and branch management.
“I’m thrilled to have this opportunity with Signature Bank”, says Deja. “I’ve heard about the extremely customized
service level Signature is dedicated to providing and it’s so refreshing to know there’s still a community bank in the Atlanta area that continues to
value their clients and can deliver on that community-feel promise.”
CONTACT INFORMATION: dsilas@signaturebankga.com | 404-256-7709.
Weston Noles joins as Financial Center Lead Teller
Weston began his career in banking in 2010 and most recently served as the Head Teller at a bank in Dunwoody, Georgia.
Weston brings a fresh perspective to our financial center and his upbeat attitude and client centric focus makes him a
perfect addition to our team,” says Makisha Gann, Assistant Financial Center Manager.
As Lead Teller, Noles will manage the day-to-day transactional processes and systems, assist clients and provide back-up
support as needed to the financial center sta.
Weston said, “I’m excited to be in a community bank environment where we are enabled to exceed the needs of our clients
and to work side by side with such a great team of service minded individuals.”
CONTACT INFORMATION: wnoles@signaturebankga.com | 404-256-7710
Building Relationships Is Our Business
All team members are located in Sandy Springs at 6065 Roswell Road.
NMLS#405554
Financial Updates
Our tier one leverage ratio remains one of the stron-
gest ratios among our peer group.
• Liquidity stood at a healthy 22.43%.
For nine months of the year, the bank reported a loss
of $361,000. This is below expectations and is due
to lower loan volumes in SBA year-to-date and the
timing of those already being eligible for sale in the
secondary market.
Allows the bank to capitalize on market
opportunities created from the number of recent
mergers/acquisitions.
Results in changing the banks perception in the
eyes of many in the marketplace, including clients,
prospects, prospective new team members and key
partners.
Aids in the enhancement of our growth model to
be consistently opportunistic and entrepreneurial
by promoting our boutique-style of banking in areas
which value our relationship building priorities.
0
2013 2014 2015 9/30/16
5 10 15
12.31.13
100%
200%
300%
400%
0%
6.39
12.31.14
7.21
314%
205%
122%
90.95%
12.31.15
12.05
9.30.16
9.69*
Total assets ended the quarter slightly up quarter over
quarter, almost 8%. Net loans increased $8 million
since 9/30/15 or 15.8%. Most of this growth occurred
in the commercial sector.
The Texas Ratio continues to be one of the measures
of credit quality applied to the industry by analysts.
Below is the progress the bank experienced over the
past three years and last quarter.
Other Real Estate Owned declined $2,253,000 or
17.5% since year end. We are encouraged by the con-
tinued activity with our remaining OREO properties
and hope to see additional reductions over the course
of 2017.
No loan provision expense has been required in 2016.
As of September 30, 2016
Capital Position
Liquidity
Earnings
Our Capital at Work
Assets
CAPITAL
TEXAS RATIO
PAGE 5WINTER 2016/2017
*The banks leverage ratio was impacted during the quarter due to
a one time client transaction (sale of company) which artificially in-
creased the bank’s average asset size. The bank expects this ratio
to return to a normalized level as of 12/31/16.
6065 Roswell Road | Suites 110 & 600 | Sandy Springs, GA 30328
404-256-7700
SBALoansAtlanta.com | SignatureBankGA.com
NMLS#405554
Dr. Weinstein Couldn’t Keep His Patients Waiting
He Needed a Financial Partner He Could Trust.
How could you possibly liken Neuropsychology to Banking? Dr. Weinstein
relates the two because he understands that both professions require a
balance of technical expertise and knowledge, along with collaboration
with the person you’re committed to helping. “For 17 years I’ve trusted
my banker, Nicole Klein, with my financial needs and having her with
a local community bank like
Signature ensures she can
continue to customize solutions
for me. The respect, advice,
and responsiveness I receive
from Nicole and her team leave
me confident that my practice
and I are a priority. That kind of
individualized attention is hard to
come by these days.”
Jay Weinstein, Ph.D.
Managing Partner,
Atlanta Clinical Group
Commitment Laid the Landscape for Don Redmond
It was Signature Bank’s Commitment that Sealed the Deal.
Following several starts and stops with other banks, Don Redmond,
President and new Owner of BCW Co. Landscaping, ultimately selected
Signature Bank as his financial partner because of the personal interest and
prompt responses he received. “Signature’s President, Freddie Deutsch,
and every member of his team expressed their genuine interest in my
business opportunity from day
one. All commitments made by
the bank, were met. They didn’t
allow the big bank bureaucracy
to slow down the process. Our
timeline was challenging, but
they delivered. I can’t imagine I
ever considered another bank.
Don Redmond
President & Owner
BCW Co. Landscaping
Happy Clients Eager to Refer Us Are Our Greatest
Advertising Source
PAGE 6WINTER 2016/2017