Atlantic Capital Bancshares, Inc. reported unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2016. For the quarter, the company reported total interest income of $22,307,000 against $18,240,000 a year ago. Net interest income before provision for loan losses was $19,278,000 against $15,948,000 a year ago. Net interest income after provision for loan losses was $17,070,000 against $8,325,000 a year ago. Income before provision for income taxes was $3,489,000 against loss of $11,454,000 a year ago. Net income was $2,079,000 against loss of $8,161,000 a year ago. Net income per diluted share was $0.08 against loss of $0.40 a year ago. Net interest income - taxable equivalent was $19,501,000 against $15,978,000 a year ago. Operating income before income taxes was $3,916,000 against $2,512,000 a year ago. Operating net income was $2,205,000 against $395,000 a year ago. Diluted earnings per share – operating was $0.09 against $0.02 a year ago. Return on average assets was 0.31% against negative return on average assets of 1.45% a year ago. Return on average equity was 2.69% against negative return on average equity of 13.22% a year ago. Return on average equity operating was 2.86% against 0.64% a year ago. Return on average assets operating was 0.32% against 0.07% a year ago.

For the year, the company reported total interest income of $88,217,000 against $48,967,000 a year ago. Net interest income before provision for loan losses was $76,708,000 against $44,044,000 a year ago. Net interest income after provision for loan losses was $72,892,000 against $36,009,000 a year ago. Income before provision for income taxes was $22,108,000 against loss of $525,000 a year ago. Net income was $13,865,000 against loss of $1,319,000 a year ago. Net income per diluted share was $0.55 against loss of $0.09 a year ago. Net interest income - taxable equivalent was $77,192,000 against $44,107,000 a year ago. Operating income before income taxes was $21,754,000 against $15,456,000 a year ago. Operating income before income taxes was $3,916,000 against $2,512,000 a year ago. Operating net income was $13,352,000 against $8,459,000 a year ago. Diluted earnings per share – operating was $0.53 against $0.54 a year ago. Tangible book value per share was $10.94 against $10.35 a year ago. Book value per common share was $12.12 against $11.79 a year ago. Return on average assets was 0.51% against negative return on average assets of 0.08% a year ago. Return on average equity was 4.60% against negative return on average equity of 0.77% a year ago. Return on average equity operating was 4.43% against 4.96% a year ago. Return on average assets operating was 0.49% against 0.53% a year ago.

For the quarter, the company reported net charge-offs of $147,000 against $580,000 a year ago.