Call reports 2016
AMERIS BANK — 2016
What AMERIS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 6,114,791,000 | 6,220,168,000 | 6,487,996,000 | 6,884,999,000 |
| Total loans | 4,542,378,000 | 4,725,888,000 | 4,971,569,000 | 5,370,250,000 |
| Allowance for loan losses | 21,482,000 | 21,734,000 | 22,963,000 | 23,920,000 |
| Securities available for sale | 839,472,000 | 845,977,000 | 840,453,000 | 825,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,233,262,000 | 5,185,506,000 | 5,309,384,000 | 5,575,620,000 |
| Interest-bearing deposits | 3,701,751,000 | 3,625,560,000 | 3,742,782,000 | 4,001,774,000 |
| Noninterest-bearing deposits | 1,531,511,000 | 1,559,946,000 | 1,566,602,000 | 1,573,846,000 |
| Equity capital | 734,521,000 | 754,594,000 | 759,891,000 | 767,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 56,420,000 | 117,989,000 | 182,643,000 | 248,165,000 |
| Interest expense | 2,799,000 | 5,894,000 | 9,382,000 | 13,415,000 |
| Net interest income | 53,621,000 | 112,095,000 | 173,261,000 | 234,750,000 |
| Noninterest income | 23,015,000 | 49,123,000 | 77,721,000 | 100,192,000 |
| Noninterest expense | 55,233,000 | 106,516,000 | 160,600,000 | 214,944,000 |
| Provision for loan losses | 1,200,000 | 2,250,000 | 3,850,000 | 5,950,000 |
| Pretax income | 20,297,000 | 52,546,000 | 86,626,000 | 114,143,000 |
| Income tax | 6,774,000 | 17,330,000 | 28,491,000 | 36,118,000 |
| Net income | 13,523,000 | 35,216,000 | 58,135,000 | 78,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 555,435,000 | 562,600,000 | 573,087,000 | 592,641,000 |
| Total capital | 576,917,000 | 584,334,000 | 596,050,000 | 616,561,000 |
| Risk-weighted assets | 4,895,543,000 | 5,061,585,000 | 5,242,844,000 | 5,505,308,000 |