Call reports 2010
AMERIS BANK — 2010
What AMERIS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 2,358,022,000 | 2,420,096,000 | 2,430,634,000 | 2,971,072,000 |
| Total loans | 1,651,483,000 | 1,684,793,000 | 1,647,988,000 | 1,929,748,000 |
| Allowance for loan losses | 33,561,000 | 33,583,000 | 33,941,000 | 34,575,000 |
| Securities available for sale | 249,580,000 | 239,332,000 | 237,395,000 | 324,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,098,444,000 | 2,086,553,000 | 2,105,074,000 | 2,544,323,000 |
| Interest-bearing deposits | 1,997,713,000 | 1,862,116,000 | 1,863,355,000 | 2,233,455,000 |
| Noninterest-bearing deposits | 100,731,000 | 224,436,000 | 241,719,000 | 310,868,000 |
| Equity capital | 227,724,000 | 304,839,000 | 304,921,000 | 303,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 28,055,000 | 59,147,000 | 88,348,000 | 119,526,000 |
| Interest expense | 7,397,000 | 14,519,000 | 21,443,000 | 28,907,000 |
| Net interest income | 20,658,000 | 44,628,000 | 66,905,000 | 90,619,000 |
| Noninterest income | 4,432,000 | 13,565,000 | 17,749,000 | 30,001,000 |
| Noninterest expense | 16,595,000 | 36,567,000 | 54,517,000 | 76,939,000 |
| Provision for loan losses | 10,770,000 | 28,495,000 | 38,175,000 | 48,839,000 |
| Pretax income | -2,075,000 | -6,670,000 | -7,839,000 | -5,158,000 |
| Income tax | -775,000 | -2,257,000 | -2,901,000 | -2,654,000 |
| Net income | -1,300,000 | -4,413,000 | -4,938,000 | -2,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 219,356,000 | 296,295,000 | 295,988,000 | 296,301,000 |
| Total capital | 240,008,000 | 316,948,000 | 316,691,000 | 317,485,000 |
| Risk-weighted assets | 1,639,353,000 | 1,638,585,000 | 1,643,064,000 | 1,681,363,000 |
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