A Promising Outcome in First Quarter Getting to Know Us Expedited Loan Program Financial Highlights Persona News from Your Bank that Makes it Personal Shareholder Meeting Invitation Investing in the Community Signature Bank SECOND QUARTER 2017 Our Persona A shareholder newsletter to keep you informed and engaged Learn more about our exciting first quarter of the year Thank you Restaurant loans are tough but the SBA lending team was very gracious helpful and professional They were as excited as we were For 17 years I ve trusted my banker Nicole Klein The respect advice and responsiveness I receive from Signature leaves me confident my practice and I am a priority Signature Bank really took the time to understand my needs and structured a loan which accomplished all three of my goals Leonardo Moura Dr Jay Weinstein Il Giallo Natalia Makorov Atlanta Clinical Group Karpaty Cabinets
A Promising Outcome in First Quarter  Getting to Know Us  Expedited Loan Program  Financial Highlights  Persona News from ...
A Promising Year We re off to a great start in 2017 First quarter results are positive and thanks to a few successful marketing initiatives the good news of Signature s value is spreading SERVING OUR CLIENTS Message from the President During the first quarter the Bank achieved some very significant milestones and I m happy to report a profitable quarter Full details can be found on page 5 In addition to some successful loan activity within our SBA Lending Group we were also able to sell two significant pieces of real estate previously held in our non performing loan portfolio Additionally we launched an attractive new business loan product with an expedited conditional approval within 48 hours on loans up to 500 000 Supported within an aggressive strategic targeted digital marketing and proactive business development calling program the initial results are encouraging Our team is embracing 2017 as the year we realize the benefits of our dedicated and relentless hard work to return the Bank to long term stability and profitability Consequentially this quarter was a momentous one for us and one we believe will be the building block to many more successful quarters Join us on May 17th at 4 00 p m in our 6th Floor Board Room located at 6065 Roswell Road in Sandy Springs We will be sharing full details of 2016 and Q1 results since 2005 PAGE 2 PERSONA
A Promising Year We   re off to a great start in 2017. First quarter results are positive and thanks to a few successful m...
Getting to Know Us Dejanee Silas Client Support Banker I was given the opportunity to work in a bank as my first job when I was in high school At 16 years of age handling cash was a foreign concept to me but I wanted more than anything to succeed within the company and prove my value There s a trust you must immediately communicate to your clients and I strive every day to convey a sense of security and to demonstrate how dedicated I am to going the extra mile to satisfy the needs of each client and to help them realize their individual goals As Client Support Banker I m the first face our clients see when they visit us I actively engage in listening identifying and recommending what we can do to achieve their financial goals By cultivating client relationships I can match their need with what we can provide and create a win win for the client and the bank The importance of the bond between a client and their banker was impressed upon me years ago when I recognized my passion for creating happy faces Sometimes you can discover the most interesting things just by offering up a cup of coffee and a seat And it s those conversations that make the boutiquebanking environment at Signature so uniquely rewarding Deja dsilas signaturebankga com 404 256 7709 New Faces Kelly Trinh joins as Loan Operations Officer Kelly joined the team on April 10th as Loan Operations Officer She began her banking career in 2007 in a retail entry level position which quickly progressed through the retail segment of banking and into Loan Operations in 2015 She has gained experience in SBA and Commercial as a Note Officer and Closing Specialist to include document preparation documentation compliance adherence collateral maintenance and funding and payment processing Having someone with Kelly s level of experience rounds out our team to be fully equipped to handle our increasing loan volume says Nadia Perrmann Director of Loan Operations and Compliance Her prior experience in retail and dealing directly with the client is an added benefit as Signature is dedicated to perfecting the client experience from beginning to end As Loan Operations Officer Kelly 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 I m so glad to be able to apply my knowledge and truly bring value to my new Signature team said Kelly Having worked up through the ranks in retail and working directly with clients I think I can bring a unique perspective to the operations position and I look forward to helping our team members and clients succeed Contact Information ktrinh signaturebankga com 404 256 7719 SECOND QUARTER 2017 PAGE 3
Getting to Know Us. Dejanee Silas, Client Support Banker I was given the opportunity to work in a bank as my first job whe...
In early April we launched the Expedited Loan Approval Program offering businesses the opportunity to quickly apply for loans up to 500 000 using a streamlined underwriting process which utilizes an industry recognized scoring model solution Once the potential Borrower provides the required information it is a very quick process in order to determine if the Borrower s request can be conditionally approved by the bank subject to other due diligence requirements such as a real estate appraisal Our aggressive marketing strategy of this product has included digital advertising on Google LinkedIn and Facebook as well as repetitive posts on Signature s social channels Additionally we have partnered with a marketing firm team targeting 2 500 entrepreneurial professionals within our area to promote the offer and acquire appointments for our Relationship Managers To date we ve made 42 connections of which 15 appointments have been gained and 5 relationships have been developed and are in various stages of account loan acquisition PAGE 4 PERSONA
In early April we launched the Expedited Loan Approval Program offering businesses the opportunity to quickly apply for lo...
Financial Updates As of March 31 2017 Capital Position Assets Our tier one leverage ratio remains one of the strongest ratios among our peer group Total Assets ended the quarter slightly down over year end Net loan growth for the quarter was flat as the bank experienced a higher than expected level of payoff s from existing clients CAPITAL 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 four years and last quarter 9 76 3 31 17 9 98 12 31 16 12 05 12 31 15 7 21 12 31 14 314 300 6 39 12 31 13 0 5 TEXAS RATIO 400 10 15 205 200 122 94 100 Our Capital at Work Results in changing the bank s 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 The bank has aggressively launched a new business loan product which touts the ability to provide conditionally credit approval within 48 hours As referenced on page 4 46 0 2013 2014 2015 2016 3 31 17 Other Real Estate Owned declined 5 382 217 or 54 5 since year end We are encouraged by the continued activity with our remaining OREO properties and hope to see additional reductions over the course of 2017 No loan provision expense has been required thus far in 2017 Liquidity Liquidity stood at a healthy 32 55 Earnings The first quarter of this year the bank reported a profit of 113K NMLS 405554 SECOND QUARTER 2017 PAGE 5
Financial Updates As of March 31, 2017 Capital Position  Assets       Our tier one leverage ratio remains one of the stron...
ANNUAL SHAREHOLDERS MEETING Wednesday May 17 2017 4 00 p m Signature Bank of Georgia Board Room 6065 Roswell Road Suite 600 Sandy Springs RSVP lsaxon signaturebankga com or 404 256 7702 Beverages and appetizers will be available before and after Please plan to join the Signature Bank Team Invested in Our Community Signature Bank continues to support local events and initiatives in the metro Atlanta area To date our team members have logged more than 140 community hours in events such as the Dunwoody Daffodil Dash in memory of the 1 5 million children who perished in the Holocaust and the Leadership Sandy Springs Volunteer for a Better Sandy Springs Clean Up event pictured 6065 Roswell Road Suites 110 600 Sandy Springs GA 30328 404 256 7700 NMLS 405554 FIRST QUARTER 2017 SBALoansAtlanta com SignatureBankGA com PAGE 6
ANNUAL SHAREHOLDERS MEETING Wednesday, May 17, 2017     4 00 p.m.  Signature Bank of Georgia Board Room 6065 Roswell Road,...