Peer Analysis
Performance Ratios (%) ABCB Peer Median Peer Average
ROAA 1.10 1.12 1.01
ROAE 8.19 8.66 8.02
Net Interest Margin 3.88 3.86 4.05
Efficiency Ratio 54.05 66.24 67.41
Loans / Deposits 91.38 74.84 77.25
Asset Quality Ratios (%)
NPAs / Assets NA 0.81 0.64
NCOs / Avg Loans 0.09 0.06 (0.01)
Reserves / Loans 0.26 0.91 1.28
Reserves / NPAs NA 84.74 92.03
Capital Ratios (%)
Tier 1 Capital NA 12.71 14.88
Tangible Equity / Tangible Assets 8.40 8.56 9.81
Total Equity / Total Assets 13.54 10.96 10.35
Market Ratios
Price / Earnings (x) 15.12 14.54 13.61
Price / Book (%) 117.05 117.71 118.44
Dividend Yield (%) 1.44 2.15 1.73
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

Ameris Bancorp's financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Capital City Bank Group, Inc.'s financial data is as of 9/30/2019.
Southeastern Banking Corporation's financial data is as of 9/30/2019.
South State Corporation's financial data is as of 9/30/2019.
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.
State Bank Financial Corporation's financial data is as of 9/30/2018.
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