Ameris bancorp (ABCB)
Balance Sheet / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10Jun'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