Ameris Bancorp Balance Sheet

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
Cash & Equivalents	253.81	1,220	1,167	1,118	4,022
Investment Securities	3,128	1,003	915.16	980.93	185.14
Trading Asset Securities	-	16.02	9.57	8.51	11.94
Mortgage-Backed Securities	203.24	899.35	701.1	764.99	534.89
Total Investments	3,331	1,918	1,626	1,754	731.96
Gross Loans	21,514	20,740	20,269	19,855	15,874
Allowance for Loan Losses	-348.14	-338.08	-307.1	-205.68	-167.58
Net Loans	21,165	20,402	19,962	19,650	15,707
Property, Plant & Equipment	213.1	254.53	266.3	276.62	281.47
Goodwill	1,016	1,016	1,016	1,016	1,013
Other Intangible Assets	54.82	70.76	87.95	106.19	125.94
Loans Held for Sale	623.15	528.6	281.33	392.08	1,255
Accrued Interest Receivable	-	87.5	86.7	77	57.2
Restricted Cash	-	-	-	-	43
Other Real Estate Owned & Foreclosed	2.92	2.44	6.22	0.84	3.81
Other Long-Term Assets	856.08	762.12	704.23	662.77	619.36
Total Assets	27,516	26,262	25,204	25,053	23,858
Interest Bearing Deposits	15,950	14,380	14,217	11,533	11,891
Institutional Deposits	-	843.78	-	-	-
Non-Interest Bearing Deposits	6,426	6,498	6,492	7,930	7,775
Total Deposits	22,376	21,722	20,709	19,463	19,666
Short-Term Borrowings	-	58.73	172.06	1,455	6.56
Current Portion of Leases	-	10.25	-	-	-
Long-Term Debt	558.04	193.49	301.13	377.11	691.09
Federal Home Loan Bank Debt, Long-Term	-	48.3	48.46	48.63	48.79
Long-Term Leases	-	43.16	58.52	65.09	64.82
Trust Preferred Securities	134.3	132.31	130.32	128.32	126.33
Pension & Post-Retirement Benefits	-	6.8	7.1	11.3	11
Other Long-Term Liabilities	371.52	295.05	350.86	308.13	277.73
Total Liabilities	23,440	22,511	21,777	21,856	20,892
Common Stock	72.9	72.7	72.52	72.26	72.02
Additional Paid-In Capital	1,971	1,959	1,945	1,935	1,925
Retained Earnings	2,210	1,853	1,540	1,311	1,006
Treasury Stock	-186.7	-103.13	-95.17	-74.83	-52.41
Comprehensive Income & Other	8.31	-30.12	-35.94	-46.51	15.59
Shareholders' Equity	4,076	3,752	3,427	3,197	2,966
Total Liabilities & Equity	27,516	26,262	25,204	25,053	23,858
Total Debt	692.34	486.23	710.48	2,074	937.59
Net Cash (Debt)	396.58	750.16	466.4	-947.08	3,096
Net Cash Growth	-47.13%	60.84%	-	-	104.37%
Net Cash Per Share	5.77	10.86	6.75	-13.64	44.38
Filing Date Shares Outstanding	67.75	68.8	68.77	69.16	69.45
Total Common Shares Outstanding	67.75	68.8	68.8	69.15	69.38
Book Value Per Share	60.16	54.53	49.81	46.24	42.75
Tangible Book Value	3,006	2,665	2,323	2,076	1,828
Tangible Book Value Per Share	44.36	38.74	33.77	30.02	26.34

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