Call reports 2005
AMERIS BANK — 2005
What AMERIS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 183,321,000 | 182,221,000 | 181,950,000 | 198,440,000 |
| Total loans | 128,842,000 | 140,726,000 | 140,912,000 | 133,641,000 |
| Allowance for loan losses | 2,044,000 | 2,234,000 | 2,301,000 | 2,363,000 |
| Securities available for sale | 26,737,000 | 28,587,000 | 26,708,000 | 24,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,075,000 | 151,615,000 | 146,538,000 | 164,809,000 |
| Interest-bearing deposits | 110,256,000 | 114,813,000 | 113,939,000 | 113,429,000 |
| Noninterest-bearing deposits | 43,819,000 | 36,802,000 | 32,599,000 | 51,380,000 |
| Equity capital | 12,703,000 | 13,699,000 | 14,482,000 | 14,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,595,000 | 5,459,000 | 8,489,000 | 11,565,000 |
| Interest expense | 512,000 | 1,082,000 | 1,779,000 | 2,508,000 |
| Net interest income | 2,083,000 | 4,377,000 | 6,710,000 | 9,057,000 |
| Noninterest income | 421,000 | 858,000 | 1,284,000 | 1,711,000 |
| Noninterest expense | 1,157,000 | 2,496,000 | 3,833,000 | 5,280,000 |
| Provision for loan losses | -34,000 | 161,000 | 251,000 | 381,000 |
| Pretax income | 1,381,000 | 2,578,000 | 3,910,000 | 5,005,000 |
| Income tax | 451,000 | 853,000 | 1,295,000 | 1,752,000 |
| Net income | 930,000 | 1,725,000 | 2,615,000 | 3,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,009,000 | 13,804,000 | 14,694,000 | 15,332,000 |
| Total capital | 14,682,000 | 15,561,000 | 16,437,000 | 17,082,000 |
| Risk-weighted assets | 133,484,000 | 140,069,000 | 138,925,000 | 139,362,000 |
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