Call reports 2007
AMERIS BANK — 2007
What AMERIS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,040,838,000 | 2,048,847,000 | 2,103,484,000 | 2,112,642,000 |
| Total loans | 1,475,212,000 | 1,556,863,000 | 1,593,014,000 | 1,614,048,000 |
| Allowance for loan losses | 25,113,000 | 25,031,000 | 26,435,000 | 27,641,000 |
| Securities available for sale | 300,101,000 | 300,421,000 | 301,757,000 | 291,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,720,569,000 | 1,698,444,000 | 1,715,665,000 | 1,764,450,000 |
| Interest-bearing deposits | 1,654,929,000 | 1,628,273,000 | 1,656,409,000 | 1,695,250,000 |
| Noninterest-bearing deposits | 65,640,000 | 70,171,000 | 59,256,000 | 69,200,000 |
| Equity capital | 225,028,000 | 226,661,000 | 228,646,000 | 233,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 35,497,000 | 71,535,000 | 114,013,000 | 152,267,000 |
| Interest expense | 16,151,000 | 32,809,000 | 50,252,000 | 67,463,000 |
| Net interest income | 19,346,000 | 38,726,000 | 63,761,000 | 84,804,000 |
| Noninterest income | 4,392,000 | 8,816,000 | 13,275,000 | 17,018,000 |
| Noninterest expense | 14,101,000 | 27,637,000 | 47,394,000 | 63,231,000 |
| Provision for loan losses | 508,000 | 1,444,000 | 4,407,000 | 11,321,000 |
| Pretax income | 9,129,000 | 18,469,000 | 25,174,000 | 26,966,000 |
| Income tax | 3,325,000 | 6,546,000 | 8,880,000 | 8,826,000 |
| Net income | 5,804,000 | 11,923,000 | 16,294,000 | 18,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,539,000 | 170,813,000 | 170,462,000 | 172,631,000 |
| Total capital | 185,698,000 | 190,831,000 | 190,870,000 | 193,443,000 |
| Risk-weighted assets | 1,526,782,000 | 1,596,503,000 | 1,626,639,000 | 1,658,491,000 |