Ameris Bancorp (ABCB)

Ameris Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,260	1,266	1,172	834.97	676.09	690.91
Interest Income on Investments	122.46	112.76	108.27	58.92	27.02	35.59
Total Interest Income	1,383	1,378	1,280	893.89	703.11	726.5
Interest Paid on Deposits	434.42	484.67	356.02	56.11	22.36	59.07
Interest Paid on Borrowings	34.97	44.42	89.37	36.76	25.43	29.68
Total Interest Expense	469.39	529.09	445.39	92.86	47.79	88.75
Net Interest Income	913.44	849.19	835.04	801.03	655.33	637.75
Net Interest Income Growth (YoY)	9.59%	1.69%	4.25%	22.23%	2.76%	26.25%
Mortgage Banking Activities	151.84	160.48	139.89	163.08	272.28	413.38
Gain (Loss) on Sale of Assets	-10.69	-1.2	1.9	0.05	-0.51	-
Gain (Loss) on Sale of Investments	1.61	12.3	-0.3	0.2	0.52	0.01
Other Non-Interest Income	80.11	69.59	56.67	54.82	26.5	21.81
Total Non-Interest Income	276.96	292.05	244.73	262.65	350.5	486.57
Non-Interest Income Growth (YoY)	-1.94%	19.34%	-6.82%	-25.07%	-27.96%	152.95%
Revenues Before Loan Losses	1,190	1,141	1,080	1,064	1,006	1,124
Provision for Loan Losses	60.1	58.79	142.66	71.7	-35.37	145.38
Revenue	1,130	1,082	937.12	991.97	1,041	978.94
Revenue Growth (YoY)	7.96%	15.51%	-5.53%	-4.73%	6.36%	44.44%
Salaries and Employee Benefits	340.89	334.2	310.16	313.01	329.83	356.47
Occupancy Expenses	34.43	37.98	39.15	39.76	35.77	36.25
Federal Deposit Insurance	15.5	15.5	26.94	8.06	5.61	14.08
Amortization of Goodwill & Intangibles	16.24	17.19	18.24	19.74	14.97	19.61
Selling, General & Administrative	114.98	113.29	105.1	96.01	86.58	89.95
Other Non-Interest Expense	89.58	88.43	80.59	82.9	82.66	80.89
Total Non-Interest Expense	611.61	606.59	580.18	559.49	555.41	597.24
EBT Excluding Unusual Items	518.69	475.86	356.94	432.49	485.79	381.7
Asset Writedown	-	-	-	21.82	14.53	-40.07
Pretax Income	518.69	475.86	356.94	453.1	496.11	340.24
Income Tax Expense	120.52	117.18	87.83	106.56	119.2	78.26
Net Income	398.17	358.69	269.11	346.54	376.91	261.99
Net Income to Common	398.17	358.69	269.11	346.54	376.91	261.99
Net Income Growth	20.57%	33.29%	-22.35%	-8.06%	43.87%	62.28%
Basic Shares Outstanding	69	69	69	69	69	69
Diluted Shares Outstanding	69	69	69	69	70	69
Shares Change (YoY)	-0.17%	-0.06%	-0.46%	-0.49%	0.48%	18.45%
EPS (Basic)	5.80	5.21	3.90	5.01	5.43	3.78
EPS (Diluted)	5.77	5.19	3.89	4.99	5.40	3.77
EPS Growth	20.70%	33.42%	-22.04%	-7.59%	43.24%	37.09%
Dividend Per Share	0.800	0.650	0.600	0.600	0.600	0.600
Dividend Growth	33.33%	8.33%	-	-	-	20.00%
Effective Tax Rate	23.23%	24.62%	24.61%	23.52%	24.03%	23.00%

Updated Oct 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q