AMERIS BANCORP ABCB Balance Sheet

Ameris bancorp (ABCB)

Balance Sheet / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10	Jun'10
Assets
Cash and due from banks
255	246	193	151	144	172	158	151	123	139	131	139	127	127	123	116	146	118	114	115	80	78	69	80	71	62	53	50	50	80	57	60	64	65	55	68	88	74	43	54
Federal funds sold and interest-bearing deposits in banks
396	375	285	186	712	35	470	273	210	0	112	137	232	0	90	68	107	5	120	239	126	5	40	44	48	14	73	43	81	-	66	111	194	28	170	218	264	28	306	240
Cash and cash equivalents
652	621	479	338	857	679	629	424	334	330	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Time deposits in other banks
0	0	0	0	7	472	11	11	-	191	-	-	-	71	-	-	-	266	-	-	-	86	-	-	-	190	-	-	-	193	-	-	-	200	-	-	-	232	-	-
Time deposits in other banks
-	-	-	-	-	10	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment securities available for sale, at fair value
1,353	1,403	1,491	1,273	1,234	1,192	1,162	1,153	848	810	819	818	830	822	838	843	837	783	811	862	610	541	529	535	456	486	312	316	324	346	361	366	371	339	340	334	305	322	235	237
Other investments
81	66	66	32	15	14	35	44	32	42	47	42	35	29	24	19	12	9	9	9	8	10	12	10	9	16	7	7	5	6	7	7	10	9	11	10	12	12	7	7
Loans held for sale, at fair value
1,398	1,656	1,187	261	112	111	130	137	111	197	137	146	105	105	126	102	97	111	111	108	73	94	110	81	51	67	69	62	42	48	29	19	14	11	8	-	-	-	-	-
Loans, net of unearned income
13,094	12,818	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Allowance for credit losses
149	38	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans, net
12,944	12,780	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans
-	-	7,208	6,522	5,756	5,660	5,543	5,380	5,051	4,856	4,574	4,230	3,785	3,626	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchased loans
-	-	5,388	2,286	2,472	2,588	2,711	2,812	818	861	917	950	1,006	1,069	1,067	1,072	1,129	771	767	808	643	674	673	702	437	448	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchased loan pools
-	-	229	240	253	262	274	297	319	328	465	490	529	568	624	610	656	592	410	268	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans, net of unearned income
-	-	12,826	9,049	8,482	8,511	8,529	8,490	6,190	6,046	5,957	5,670	5,321	5,264	3,091	2,819	2,528	2,406	2,290	2,171	1,999	1,889	1,848	1,770	1,695	1,618	1,589	1,555	1,492	1,450	1,439	1,365	1,323	1,332	1,368	1,360	1,345	1,374	1,462	1,493
Purchased loans covered by FDIC loss-sharing agreements (covered loans)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	62	121	130	137	191	209	245	271	313	331	372	390	417	443	460	507	546	601	653	571	595	486	526	554	185	192
Allowance for loan losses
-	-	35	31	28	28	28	31	26	25	25	25	25	23	22	21	21	21	22	21	21	21	22	22	22	22	23	24	23	23	25	26	28	35	35	34	35	34	34	34
Loans, net
-	-	12,790	9,018	8,453	8,483	8,501	8,459	6,163	6,020	5,931	5,645	5,296	5,240	4,822	4,601	4,423	3,887	3,636	3,436	2,866	2,814	2,813	2,781	2,482	2,435	1,983	1,975	1,930	1,934	1,960	1,941	1,948	1,868	1,929	1,812	1,836	1,895	1,614	1,651
Other real estate owned, net
21	19	4	5	6	-	9	8	9	9	9	11	10	12	10	13	14	16	20	22	32	33	35	-	33	33	37	39	40	39	37	36	40	46	50	61	62	57	50	41
Other real estate owned, net
-	-	15	9	10	7	7	7	6	8	9	11	11	10	-	-	-	-	-	-	-	-	-	35	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchased other real estate owned, net
-	-	-	-	-	9	-	-	-	-	-	-	-	-	14	13	15	14	11	13	13	15	13	16	3	4	-	-	-	-	-	-	-	-	132	-	-	-	-	-
Covered other real estate owned, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1	2	3	5	12	12	16	19	28	38	42	45	52	62	77	88	88	83	85	78	81	63	59	54	28	25
Total other real estate owned, net
-	-	20	14	16	16	17	15	15	17	19	22	22	23	25	30	33	35	44	48	62	68	77	90	80	83	90	102	118	128	126	119	125	125	-	125	122	112	79	66
Premises and equipment, net
231	233	239	141	141	145	145	144	116	117	119	121	121	121	122	123	124	121	124	124	98	97	98	99	87	103	65	70	72	75	75	75	72	73	71	65	66	66	66	66
Goodwill
931	931	911	501	501	503	505	504	208	125	125	125	125	125	122	121	121	90	87	87	63	63	58	58	35	35	0	0	0	0	0	0	0	0	0	0	0	0	-	-
FDIC loss-share receivable, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	1	6	4	14	23	31	38	49	53	65	81	105	160	159	198	203	220	242	239	160	167	177	42	59
Other intangible assets, net
85	91	97	52	55	58	54	53	12	13	14	15	16	17	18	20	21	17	18	19	7	8	9	9	5	6	1	2	2	3	3	3	4	3	3	3	3	4	3	3
Cash value of bank owned life insurance
176	175	174	105	104	104	103	103	80	79	79	78	78	78	77	77	76	64	59	59	59	58	58	57	49	49	49	47	45	15	50	-	-	-	-	-	-	-	-	-
Deferred income taxes, net
24	2	22	30	33	35	38	40	28	28	39	41	41	40	-	-	-	19	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other assets
323	259	282	120	123	88	93	98	70	72	72	62	61	88	101	96	92	52	72	79	73	77	82	72	56	51	28	24	26	24	13	9	14	24	45	56	50	44	35	34
Total assets
18,224	18,242	17,764	11,889	11,656	11,443	11,428	11,190	8,022	7,856	7,649	7,397	7,094	6,892	6,493	6,221	6,097	5,588	5,216	5,205	4,152	4,037	3,999	3,973	3,487	3,667	2,818	2,808	2,861	3,019	2,949	2,920	3,043	2,994	3,010	2,857	2,918	2,972	2,434	2,421
Liabilities
Deposits:
Noninterest-bearing
4,226	4,199	4,077	2,771	2,753	2,520	2,333	2,356	1,867	1,777	1,718	1,672	1,654	1,573	1,563	1,553	1,529	1,329	1,275	1,280	967	839	816	790	698	668	475	475	490	510	464	429	444	395	354	318	316	301	235	218
Interest-bearing
9,618	9,827	9,581	6,810	7,047	7,129	6,847	6,405	4,578	4,848	4,177	4,120	3,987	4,001	3,742	3,625	3,701	3,549	3,254	3,231	2,513	2,591	2,556	2,598	2,311	2,330	1,967	1,967	1,999	2,113	2,115	2,115	2,220	2,196	2,274	2,193	2,256	2,233	1,863	1,862
Total deposits
13,844	14,027	13,659	9,582	9,800	9,649	9,181	8,761	6,446	6,625	5,895	5,793	5,642	5,575	5,306	5,179	5,230	4,879	4,530	4,511	3,480	3,431	3,373	3,389	3,010	2,999	2,443	2,443	2,489	2,624	2,580	2,544	2,665	2,591	2,628	2,511	2,572	2,535	2,099	2,080
Securities sold under agreements to repurchase
15	20	17	3	4	20	14	11	23	30	14	18	40	53	42	37	43	63	51	75	55	73	32	51	49	83	20	19	22	50	17	19	28	37	13	17	20	68	13	17
Other borrowings
1,543	1,398	1,351	564	151	151	656	862	555	250	808	679	525	492	373	260	110	39	39	39	43	78	147	100	59	194	5	0	0	0	0	3	3	20	21	-	-	43	-	-
Subordinated deferrable interest debentures
122	127	127	89	89	89	88	88	85	85	85	84	84	84	83	83	83	69	69	69	65	65	65	64	55	55	42	42	42	42	42	42	42	42	42	42	42	42	42	42
FDIC loss-share payable, net
18	19	19	20	18	19	18	18	-	8	-	-	-	6	7	1	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other liabilities
243	179	168	91	95	57	64	76	43	50	44	38	43	34	37	33	28	22	23	24	17	22	27	24	12	18	17	16	22	22	10	8	5	9	10	9	9	9	6	7
Total liabilities
15,787	15,772	15,343	10,352	10,160	9,987	10,024	9,818	7,153	7,051	6,847	6,615	6,336	6,245	5,850	5,595	5,496	5,074	4,714	4,718	3,663	3,671	3,645	3,629	3,187	3,350	2,528	2,520	2,577	2,740	2,650	2,619	2,745	2,700	2,715	2,580	2,644	2,698	2,160	2,147
Commitments and Contingencies (Note 11)
-	-	-	-	-	-	0	0	0	-	0	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	0	0	0	0	0	0	0	0	0	0	0	0
Shareholders’ Equity
Preferred stock, stated value $1,000 (5,000,000 shares authorized; 0 shares issued and outstanding at March 31, 2020 and December 31, 2019)
0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	28	27	27	27	27	51	51	50	50	50	50	50	50	49	49
Common stock, par value $1 (100,000,000 shares authorized; 71,651,986 and 71,499,829 shares issued at March 31, 2020 and December 31, 2019, respectively)
71	71	71	49	49	49	49	49	39	38	38	38	38	36	36	36	36	33	33	33	33	28	28	28	26	26	25	25	25	25	25	25	25	25	25	25	25	24	24	24
Capital surplus
1,908	1,907	1,904	1,053	1,053	1,051	1,050	1,049	559	508	506	505	503	410	409	408	407	337	336	336	335	225	224	223	190	189	165	165	165	164	164	166	166	166	166	166	165	165	165	165
Retained earnings
460	507	457	446	412	377	338	301	296	273	267	251	231	214	199	181	163	152	140	126	126	118	109	98	92	83	83	76	70	65	62	61	59	54	54	38	37	37	35	37
Accumulated other comprehensive income (loss), net of tax
39	17	15	16	-1	-4	-16	-12	-10	-1	3	1	-1	-1	10	12	6	3	4	3	6	6	3	4	2	-0	-0	3	6	6	7	7	6	7	8	7	5	6	8	7
Stockholders equity before treasury shares
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	290	-	-	-	304	-	-	-	284	-	-
Treasury stock, at cost (2,210,712 shares and 1,995,996 shares at March 31, 2020 and December 31, 2019, respectively)
42	34	28	28	17	16	16	15	15	14	14	14	14	13	13	13	12	12	12	12	12	11	11	11	11	11	11	11	11	11	10	10	10	10	10	10	10	10	10	10
Total shareholders’ equity
2,437	2,469	2,420	1,537	1,495	1,456	1,404	1,371	868	804	801	782	758	646	642	625	600	514	502	486	489	366	353	343	300	316	290	287	283	279	299	300	297	293	294	277	273	273	273	274
Total liabilities and shareholders’ equity
18,224	18,242	17,764	11,889	11,656	11,443	11,428	11,190	8,022	7,856	7,649	7,397	7,094	6,892	6,493	6,221	6,097	5,588	5,216	5,205	4,152	4,037	3,999	3,973	3,487	3,667	2,818	2,808	2,861	3,019	2,949	2,920	3,043	2,994	3,010	2,857	2,918	2,972	2,434	2,421