Performance Ratios (%) ABCB Peer Median Peer Average
ROAA 1.18 0.91 0.78
ROAE 11.31 7.64 6.50
Net Interest Margin 3.95 3.64 3.84
Efficiency Ratio 58.96 65.86 70.11
Loans / Deposits 101.04 75.43 73.57
Asset Quality Ratios (%)
NPAs / Assets NA 0.30 0.78
NCOs / Avg Loans 0.09 0.11 0.07
Reserves / Loans 0.43 0.96 1.33
Reserves / NPAs NA 132.15 156.65
Capital Ratios (%)
Tier 1 Capital NA 14.87 14.91
Tangible Equity / Tangible Assets 8.81 9.03 9.42
Total Equity / Total Assets 10.48 11.64 10.02
Market Ratios
Price / Earnings (x) 21.26 22.44 22.49
Price / Book (%) 224.01 144.76 146.91
Dividend Yield (%) 0.83 1.43 1.17
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 9/30/2017.

Peer financial data is as of 9/30/2017 except for these companies:

Renasant Corporation's financial data is as of 9/30/2017.
Colony Bankcorp, Inc.'s financial data is as of 9/30/2017.
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.