Peer Analysis
Performance Ratios (%) ABCB Peer Median Peer Average
ROAA 1.11 1.12 1.02
ROAE 8.38 8.86 8.19
Net Interest Margin 3.90 3.86 4.06
Efficiency Ratio 53.56 65.06 67.02
Loans / Deposits 93.90 76.94 77.52
Asset Quality Ratios (%)
NPAs / Assets 0.78 0.81 0.76
NCOs / Avg Loans 0.10 0.06 (0.01)
Reserves / Loans 0.25 0.93 1.28
Reserves / NPAs 25.75 84.74 84.46
Capital Ratios (%)
Tier 1 Capital 9.75 12.72 14.93
Tangible Equity / Tangible Assets 8.43 8.81 9.78
Total Equity / Total Assets 13.63 10.96 10.55
Market Ratios
Price / Earnings (x) 14.86 14.42 13.57
Price / Book (%) 123.08 117.05 117.92
Dividend Yield (%) 1.40 2.03 1.64
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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

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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