Performance Ratios (%) ABCB Peer Median Peer Average
ROAA 0.84 0.74 0.80
ROAE 8.50 6.03 6.51
Net Interest Margin 4.06 3.95 4.03
Efficiency Ratio 59.86 71.40 70.46
Loans / Deposits 84.98 75.39 70.42
Asset Quality Ratios (%)
NPAs / Assets 1.45 0.83 1.29
NCOs / Avg Loans 0.15 0.10 0.13
Reserves / Loans 0.47 1.10 1.40
Reserves / NPAs 24.28 70.01 83.45
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 7.68 8.51 9.67
Total Equity / Total Assets 9.85 10.68 9.87
Market Ratios
Price / Earnings (x) 24.11 17.93 19.59
Price / Book (%) 184.56 115.35 130.90
Dividend Yield (%) 0.63 1.62 1.41
Data for trailing four quarters

Ameris Bancorp's peer group consists of the following: Bank of the Ozarks, Inc. (OZRK), 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 3/31/2016.

Peer financial data is as of 3/31/2016 except for these companies:

Southeastern Banking Corporation's financial data is as of 12/31/2015.
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.
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