Call reports 2012
AMERIS BANK — 2012
What AMERIS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 3,043,971,000 | 2,928,250,000 | 2,957,928,000 | 3,016,309,000 |
| Total loans | 1,992,085,000 | 1,986,885,000 | 2,015,117,000 | 2,007,134,000 |
| Allowance for loan losses | 28,689,000 | 26,198,000 | 25,901,000 | 23,593,000 |
| Securities available for sale | 373,355,000 | 368,544,000 | 362,616,000 | 348,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,668,419,000 | 2,546,405,000 | 2,580,994,000 | 2,626,302,000 |
| Interest-bearing deposits | 2,458,171,000 | 2,115,559,000 | 2,115,614,000 | 2,113,912,000 |
| Noninterest-bearing deposits | 210,248,000 | 430,846,000 | 465,379,000 | 512,390,000 |
| Equity capital | 335,591,000 | 340,532,000 | 339,587,000 | 318,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 32,332,000 | 65,295,000 | 96,946,000 | 129,487,000 |
| Interest expense | 4,191,000 | 7,891,000 | 10,938,000 | 13,585,000 |
| Net interest income | 28,141,000 | 57,404,000 | 86,008,000 | 115,902,000 |
| Noninterest income | 20,904,000 | 43,879,000 | 58,087,000 | 61,387,000 |
| Noninterest expense | 28,146,000 | 69,688,000 | 103,486,000 | 124,726,000 |
| Provision for loan losses | 12,600,000 | 18,670,000 | 24,360,000 | 28,451,000 |
| Pretax income | 8,299,000 | 12,925,000 | 16,249,000 | 24,434,000 |
| Income tax | 2,696,000 | 4,315,000 | 5,354,000 | 8,206,000 |
| Net income | 5,603,000 | 8,610,000 | 10,895,000 | 16,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 324,706,000 | 328,125,000 | 327,772,000 | 307,470,000 |
| Total capital | 346,144,000 | 349,465,000 | 349,523,000 | 329,578,000 |
| Risk-weighted assets | 1,707,790,000 | 1,702,376,000 | 1,735,964,000 | 1,767,173,000 |