Call reports 2011
AMERIS BANK — 2011
What AMERIS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 2,915,091,000 | 2,855,737,000 | 3,021,523,000 | 3,003,189,000 |
| Total loans | 1,871,993,000 | 1,846,552,000 | 1,973,190,000 | 1,915,137,000 |
| Allowance for loan losses | 35,443,000 | 34,523,000 | 35,238,000 | 35,156,000 |
| Securities available for sale | 307,184,000 | 335,941,000 | 340,839,000 | 339,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,580,312,000 | 2,516,870,000 | 2,632,088,000 | 2,595,765,000 |
| Interest-bearing deposits | 2,256,630,000 | 2,193,359,000 | 2,272,633,000 | 2,195,575,000 |
| Noninterest-bearing deposits | 323,683,000 | 323,511,000 | 359,455,000 | 400,190,000 |
| Equity capital | 305,076,000 | 309,635,000 | 329,168,000 | 330,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 32,158,000 | 68,041,000 | 103,046,000 | 141,353,000 |
| Interest expense | 7,576,000 | 14,428,000 | 21,039,000 | 26,128,000 |
| Net interest income | 24,582,000 | 53,613,000 | 82,007,000 | 115,225,000 |
| Noninterest income | 4,475,000 | 9,194,000 | 38,811,000 | 38,758,000 |
| Noninterest expense | 19,407,000 | 42,124,000 | 67,309,000 | 89,580,000 |
| Provision for loan losses | 7,092,000 | 14,554,000 | 22,098,000 | 30,341,000 |
| Pretax income | 2,782,000 | 6,366,000 | 31,649,000 | 34,062,000 |
| Income tax | 985,000 | 2,039,000 | 10,448,000 | 11,341,000 |
| Net income | 1,797,000 | 4,327,000 | 21,201,000 | 22,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 298,385,000 | 301,142,000 | 318,493,000 | 320,032,000 |
| Total capital | 319,497,000 | 322,007,000 | 339,637,000 | 341,697,000 |
| Risk-weighted assets | 1,674,900,000 | 1,655,575,000 | 1,677,499,000 | 1,719,756,000 |