Ameris Bank Investor Relations

Financial Highlights

Select Period:

Financial Charting

	2013 FQ1 YTD	2012 FY	2011 FY	2010 FY	2009 FY
Period Ended	3/31/2013	12/31/2012	12/31/2011	12/31/2010	12/31/2009
Balance Sheet ($000)
Total Assets	2,861,651	3,019,052	2,994,307	2,972,168	2,423,970
Total Net Loans	1,972,427	1,983,540	1,879,982	1,895,172	1,685,845
Total Deposits	2,489,973	2,624,663	2,591,566	2,535,426	2,123,116
Equity Attributable to Parent Company	283,722	279,017	293,770	273,407	194,964
Total Equity	283,722	279,017	293,770	273,407	194,964
Profitability (%)
Net Income ($000)	5,285	14,435	21,093	(3,989)	(41,789)
Net Income Attributable to Parent ($000)	5,285	14,435	21,093	(3,989)	(41,789)
ROAA	0.74	0.49	0.71	(0.16)	(1.84)
Core ROAA	0.78	0.13	0.17	(0.53)	(1.35)
ROAE	7.51	4.92	7.47	(1.64)	(20.76)
ROATCE	8.21	4.91	8.13	(3.29)	(6.29)
Core ROAE	7.92	1.31	1.79	(5.45)	(15.24)
Net Interest Margin	4.73	4.60	4.57	4.12	3.52
Reported: Net Interest Margin	4.79	4.60	4.57	4.12	3.52
Efficiency Ratio	63.25	69.90	61.43	65.21	68.28
Noninterest Inc / Operating Rev	28.32	24.98	18.36	18.31	20.35
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	78.45	74.61	73.45	76.11	81.09
Securities / Assets	11.52	11.72	11.68	11.27	10.43
Total Equity / Total Assets	9.91	9.24	9.81	9.20	8.04
Tangible Equity / Tangible Assets	9.80	9.12	9.68	9.04	7.91
Tang Common Equity / Tang Assets	8.83	8.20	7.99	7.35	5.86
Tier 1 Common Capital Ratio	NA	13.61	13.40	12.79	8.08
Tier 1 Ratio	17.49	17.49	18.80	18.19	13.53
Risk-based Capital Ratio	18.74	18.74	20.05	19.45	14.79
Leverage Ratio (Bank, BHC Only)	10.93	10.34	10.76	11.34	9.35
Asset Quality (%)
NPAs / Assets	3.37	3.23	4.52	5.36	5.77
NPA Excl Restructured / Assets	2.72	2.61	3.92	4.62	4.93
NPAs & 90+ PD / Assets	3.37	3.23	4.52	5.36	5.77
NPAs / Loans & REO	6.12	6.33	9.74	11.11	8.70
Nonaccrual & 90+ & OREO / Assets	2.72	2.61	3.92	4.62	4.93
NPAs & 90+ PD / Loans & REO	6.12	6.33	9.74	11.11	8.70
NPA & Loans 90+ / Tangible Common Equity + LLR	34.97	35.98	49.44	63.01	78.71
NCOs / Avg Loans	0.76	2.87	2.21	3.45	2.77
Loan Loss Reserves / Gross Loans	1.17	1.18	1.84	1.79	2.08
Reserves / NPAs	24.25	24.20	25.95	21.72	25.58
Loan Loss Provision / NCO	103.87	77.70	109.97	100.99	91.54
Per Share Information ($)
Common Shares Outstanding (actual)	23,875,680	23,799,768	23,751,294	23,646,737	14,044,907
Avg Diluted Shares (actual)	24,246,346	23,857,000	23,538,468	21,969,000	13,912,620
Basic Book Value per Share	10.72	10.56	10.23	9.44	10.35
As-reported Book Value per Share	10.72	10.56	10.23	9.44	10.39
Basic Tangible Book Value per Share	10.57	10.39	10.06	9.22	10.10
Reported: Tangible Book Value	10.57	10.39	10.06	9.22	10.10
Common Dividends Declared per Share	0	0	0	0	0.10
EPS after Extra	0.20	0.46	0.76	(0.35)	(3.23)
EPS after Extra Growth (%)	5.30	(39.5)	NM	NM	NM
Core EPS	0.21	0.01	0.08	(0.80)	(2.43)
Core EPS Growth (%)	NM	(85.5)	NM	NM	NM
Diluted EPS before Amortization	0.22	0.52	0.80	(0.30)	0.75
Pre-Provision Earnings Per Share	0.27	0.82	0.93	0.73	(1.66)