Ameris Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	1,303	1,265	1,266	1,172	834.97	676.09
Interest Income on Investments	147	129.17	112.76	108.27	58.92	27.02
Total Interest Income	1,450	1,395	1,378	1,280	893.89	703.11
Interest Paid on Deposits	405.3	424.18	484.67	356.02	56.11	22.36
Interest Paid on Borrowings	44.75	33.43	44.42	89.37	36.76	25.43
Total Interest Expense	450.05	457.6	529.09	445.39	92.86	47.79
Net Interest Income	999.91	936.92	849.19	835.04	801.03	655.33
Net Interest Income Growth	9.47%	10.33%	1.69%	4.25%	22.23%	2.76%
Mortgage Banking Activities	131.54	147.93	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	7.63	1.63	12.3	-0.3	0.2	0.52
Other Non-Interest Income	75.3	67.74	69.59	55.77	54.82	26.5
Total Non-Interest Income	270.36	271.95	292.06	243.83	262.65	350.5
Non-Interest Income Growth	-2.39%	-6.89%	19.78%	-7.16%	-25.07%	-27.96%
Revenues Before Loan Losses	1,270	1,209	1,141	1,079	1,064	1,006
Provision for Loan Losses	69.33	70.24	58.79	142.66	71.7	-35.37
Revenue	1,201	1,139	1,082	936.22	991.97	1,041
Revenue Growth	6.25%	5.19%	15.62%	-5.62%	-4.73%	6.36%
Salaries and Employee Benefits	342.5	336.18	334.2	310.16	313.01	329.83
Occupancy Expenses	37.97	34.82	37.98	39.15	39.76	35.77
Federal Deposit Insurance	11.87	11.87	14	15.34	8.06	5.61
Amortization of Goodwill & Intangibles	13.33	15.94	17.19	18.24	19.74	14.97
Selling, General & Administrative	118.57	115.44	113.29	105.1	96.01	86.58
Other Non-Interest Expense	178.89	91.21	88.43	80.59	82.9	82.66
Total Non-Interest Expense	703.13	605.45	605.09	568.58	559.49	555.41
EBT Excluding Unusual Items	497.8	533.17	477.36	367.64	432.49	485.79
Asset Writedown	-0.91	-0.91	-	-	21.82	14.53
Other Unusual Items	1.5	1.5	-1.5	-11.6	-	-
Pretax Income	498.39	533.76	475.86	356.94	453.1	496.11
Income Tax Expense	112	121.61	117.18	87.83	106.56	119.2
Net Income	386.39	412.15	358.69	269.11	346.54	376.91
Net Income to Common	386.39	412.15	358.69	269.11	346.54	376.91
Net Income Growth	-2.96%	14.91%	33.29%	-22.35%	-8.06%	43.87%
Basic Shares Outstanding	68	68	69	69	69	69
Diluted Shares Outstanding	68	69	69	69	69	70
Shares Change	-1.94%	-0.52%	-0.06%	-0.46%	-0.49%	0.48%
EPS (Basic)	5.72	6.02	5.21	3.90	5.01	5.43
EPS (Diluted)	5.72	6.00	5.19	3.89	4.99	5.40
EPS Growth	-0.89%	15.61%	33.42%	-22.04%	-7.59%	43.24%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	0.200	0.800	0.650	0.600	0.600	0.600
Dividend Growth	-75.00%	23.08%	8.33%	0%	0%	0%
Effective Tax Rate	22.47%	22.78%	24.62%	24.61%	23.52%	24.03%

SEC Filings: 10-K · 10-Q