Call reports 2013
AMERIS BANK — 2013
What AMERIS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,861,572,000 | 2,807,360,000 | 2,818,539,000 | 3,664,330,000 |
| Total loans | 1,995,809,000 | 2,061,924,000 | 2,076,550,000 | 2,524,722,000 |
| Allowance for loan losses | 23,382,000 | 24,217,000 | 23,854,000 | 22,377,000 |
| Securities available for sale | 325,593,000 | 317,733,000 | 313,814,000 | 487,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,490,579,000 | 2,443,312,000 | 2,447,937,000 | 3,002,782,000 |
| Interest-bearing deposits | 1,999,012,000 | 1,967,658,000 | 1,967,916,000 | 2,330,700,000 |
| Noninterest-bearing deposits | 491,568,000 | 475,654,000 | 480,022,000 | 672,082,000 |
| Equity capital | 323,197,000 | 324,220,000 | 327,338,000 | 386,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 32,089,000 | 65,188,000 | 98,026,000 | 130,860,000 |
| Interest expense | 2,263,000 | 4,374,000 | 6,424,000 | 8,611,000 |
| Net interest income | 29,826,000 | 60,814,000 | 91,602,000 | 122,249,000 |
| Noninterest income | 12,477,000 | 25,806,000 | 39,953,000 | 52,113,000 |
| Noninterest expense | 31,429,000 | 61,685,000 | 93,553,000 | 132,647,000 |
| Provision for loan losses | 2,603,000 | 6,298,000 | 8,747,000 | 9,947,000 |
| Pretax income | 8,443,000 | 18,808,000 | 29,426,000 | 31,939,000 |
| Income tax | 2,800,000 | 6,254,000 | 9,747,000 | 10,207,000 |
| Net income | 5,643,000 | 12,554,000 | 19,679,000 | 21,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 313,477,000 | 318,546,000 | 326,017,000 | 347,010,000 |
| Total capital | 335,966,000 | 340,807,000 | 348,514,000 | 369,387,000 |
| Risk-weighted assets | 1,797,735,000 | 1,778,906,000 | 1,798,400,000 | 2,304,367,000 |
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