Ameris Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,265	1,266	1,172	834.97	676.09
Interest Income on Investments	129.17	112.76	108.27	58.92	27.02
Total Interest Income	1,395	1,378	1,280	893.89	703.11
Interest Paid on Deposits	424.18	484.67	356.02	56.11	22.36
Interest Paid on Borrowings	33.43	44.42	89.37	36.76	25.43
Total Interest Expense	457.6	529.09	445.39	92.86	47.79
Net Interest Income	936.92	849.19	835.04	801.03	655.33
Net Interest Income Growth (YoY)	10.33%	1.69%	4.25%	22.23%	2.76%
Mortgage Banking Activities	147.02	160.48	139.89	163.08	272.28
Gain (Loss) on Sale of Assets	-	-1.2	1.9	0.05	-0.51
Gain (Loss) on Sale of Investments	1.63	12.3	-0.3	0.2	0.52
Other Non-Interest Income	67.74	69.59	56.67	54.82	26.5
Total Non-Interest Income	271.04	292.05	244.73	262.65	350.5
Non-Interest Income Growth (YoY)	-7.20%	19.34%	-6.82%	-25.07%	-27.96%
Revenues Before Loan Losses	1,208	1,141	1,080	1,064	1,006
Provision for Loan Losses	70.24	58.79	142.66	71.7	-35.37
Revenue	1,138	1,082	937.12	991.97	1,041
Revenue Growth (YoY)	5.10%	15.51%	-5.53%	-4.73%	6.36%
Salaries and Employee Benefits	348.87	334.2	310.16	313.01	329.83
Occupancy Expenses	44.92	37.98	39.15	39.76	35.77
Federal Deposit Insurance	-	15.5	26.94	8.06	5.61
Amortization of Goodwill & Intangibles	15.94	17.19	18.24	19.74	14.97
Selling, General & Administrative	74.5	113.29	105.1	96.01	86.58
Other Non-Interest Expense	119.72	88.43	80.59	82.9	82.66
Total Non-Interest Expense	603.95	606.59	580.18	559.49	555.41
EBT Excluding Unusual Items	533.76	475.86	356.94	432.49	485.79
Asset Writedown	-	-	-	21.82	14.53
Pretax Income	533.76	475.86	356.94	453.1	496.11
Income Tax Expense	121.61	117.18	87.83	106.56	119.2
Net Income	412.15	358.69	269.11	346.54	376.91
Net Income to Common	412.15	358.69	269.11	346.54	376.91
Net Income Growth	14.91%	33.29%	-22.35%	-8.06%	43.87%
Basic Shares Outstanding	68	69	69	69	69
Diluted Shares Outstanding	69	69	69	69	70
Shares Change (YoY)	-0.52%	-0.06%	-0.46%	-0.49%	0.48%
EPS (Basic)	6.02	5.21	3.90	5.01	5.43
EPS (Diluted)	6.00	5.19	3.89	4.99	5.40
EPS Growth	15.61%	33.42%	-22.04%	-7.59%	43.24%
Dividend Per Share	0.800	0.650	0.600	0.600	0.600
Dividend Growth	23.08%	8.33%	-	-	-
Effective Tax Rate	22.78%	24.62%	24.61%	23.52%	24.03%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.