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	Jun '26 Jun 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	1,290	1,265	1,266	1,172	834.97	676.09
Interest Income on Investments	140.58	129.17	112.76	108.27	58.92	27.02
Total Interest Income	1,430	1,395	1,378	1,280	893.89	703.11
Interest Paid on Deposits	407.39	424.18	484.67	356.02	56.11	22.36
Interest Paid on Borrowings	42.88	33.43	44.42	89.37	36.76	25.43
Total Interest Expense	450.26	457.6	529.09	445.39	92.86	47.79
Net Interest Income	980.19	936.92	849.19	835.04	801.03	655.33
Net Interest Income Growth	10.19%	10.33%	1.69%	4.25%	22.23%	2.76%
Mortgage Banking Activities	142.98	147.93	160.48	139.89	163.08	272.28
Gain (Loss) on Sale of Assets	-0.34	-	-1.2	1.9	0.05	-0.51
Gain (Loss) on Sale of Investments	8.99	1.63	12.3	-0.3	0.2	0.52
Other Non-Interest Income	75.09	67.74	69.59	55.77	54.82	26.5
Total Non-Interest Income	282.46	271.95	292.06	243.83	262.65	350.5
Non-Interest Income Growth	4.46%	-6.89%	19.78%	-7.16%	-25.07%	-27.96%
Revenues Before Loan Losses	1,263	1,209	1,141	1,079	1,064	1,006
Provision for Loan Losses	79.38	70.24	58.79	142.66	71.7	-35.37
Revenue	1,183	1,139	1,082	936.22	991.97	1,041
Revenue Growth	5.99%	5.19%	15.62%	-5.62%	-4.73%	6.36%
Salaries and Employee Benefits	341.76	336.18	334.2	310.16	313.01	329.83
Occupancy Expenses	36.93	34.82	37.98	39.15	39.76	35.77
Federal Deposit Insurance	12.1	11.87	14	15.34	8.06	5.61
Amortization of Goodwill & Intangibles	14.27	15.94	17.19	18.24	19.74	14.97
Selling, General & Administrative	122.87	115.44	113.29	105.1	96.01	86.58
Other Non-Interest Expense	89.59	91.21	88.43	80.59	82.9	82.66
Total Non-Interest Expense	617.52	605.45	605.09	568.58	559.49	555.41
EBT Excluding Unusual Items	565.75	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	484.91	533.76	475.86	356.94	453.1	496.11
Income Tax Expense	108.59	121.61	117.18	87.83	106.56	119.2
Net Income	376.32	412.15	358.69	269.11	346.54	376.91
Net Income to Common	376.32	412.15	358.69	269.11	346.54	376.91
Net Income Growth	-3.84%	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	-1.52%	-0.52%	-0.06%	-0.46%	-0.49%	0.48%
EPS (Basic)	5.56	6.02	5.21	3.90	5.01	5.43
EPS (Diluted)	5.54	6.00	5.19	3.89	4.99	5.40
EPS Growth	-2.35%	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	Jun '26 Jun 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	0.800	0.800	0.650	0.600	0.600	0.600
Dividend Growth	6.67%	23.08%	8.33%	0%	0%	0%
Effective Tax Rate	22.39%	22.78%	24.62%	24.61%	23.52%	24.03%

SEC Filings: 10-K · 10-Q