Performance Ratios (%) ABCB Peer Median Peer Average
ROAA 0.98 0.83 0.64
ROAE 8.60 6.62 5.29
Net Interest Margin 3.93 3.76 3.97
Efficiency Ratio 56.39 64.98 69.16
Loans / Deposits 92.90 77.04 75.91
Asset Quality Ratios (%)
NPAs / Assets 0.86 0.83 0.99
NCOs / Avg Loans 0.19 0.05 0.07
Reserves / Loans 0.32 0.95 1.28
Reserves / NPAs 28.65 84.74 81.66
Capital Ratios (%)
Tier 1 Capital 10.66 14.17 15.00
Tangible Equity / Tangible Assets 7.77 8.80 9.33
Total Equity / Total Assets 12.29 10.57 10.02
Market Ratios
Price / Earnings (x) 20.71 16.45 17.63
Price / Book (%) 143.54 130.10 128.74
Dividend Yield (%) 0.94 1.47 1.53
Data for trailing four quarters

Ameris Bancorp's peer group consists of the following: Capital City Bank Group, Inc. (CCBG), Colony Bankcorp, Inc. (CBAN), First Security Group, Inc. (FSGI), Frontier National Corporation (FIEC), Renasant Corporation (RNST), South State Corporation (SSB), SouthCrest Financial Group, Inc. (SCSG), Southeastern Banking Corporation (SEBC), State Bank Financial Corporation (STBZ)

Ameris Bancorp's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Southeastern Banking Corporation's financial data is as of 6/30/2018.
Frontier National Corporation's financial data is as of 12/31/2012.
First Security Group, Inc.'s financial data is as of 9/30/2015.