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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,265	1,266	1,172	834.97	676.09	690.91
Interest Income on Investments	118.4	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	457.27	484.67	356.02	56.11	22.36	59.07
Interest Paid on Borrowings	36.13	44.42	89.37	36.76	25.43	29.68
Total Interest Expense	493.39	529.09	445.39	92.86	47.79	88.75
Net Interest Income	889.53	849.19	835.04	801.03	655.33	637.75
Net Interest Income Growth (YoY)	7.54%	1.69%	4.25%	22.23%	2.76%	26.25%
Mortgage Banking Activities	149.12	160.48	139.89	163.08	272.28	413.38
Gain (Loss) on Sale of Assets	-5.57	-1.2	1.9	0.05	-0.51	-
Gain (Loss) on Sale of Investments	0.02	12.3	-0.3	0.2	0.52	0.01
Other Non-Interest Income	73.75	69.59	56.67	54.82	26.5	21.81
Total Non-Interest Income	270.4	292.05	244.73	262.65	350.5	486.57
Non-Interest Income Growth (YoY)	-2.00%	19.34%	-6.82%	-25.07%	-27.96%	152.95%
Revenues Before Loan Losses	1,160	1,141	1,080	1,064	1,006	1,124
Provision for Loan Losses	43.58	58.79	142.66	71.7	-35.37	145.38
Revenue	1,116	1,082	937.12	991.97	1,041	978.94
Revenue Growth (YoY)	9.90%	15.51%	-5.53%	-4.73%	6.36%	44.44%
Salaries and Employee Benefits	338.18	334.2	310.16	313.01	329.83	356.47
Occupancy Expenses	34.62	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	16.54	17.19	18.24	19.74	14.97	19.61
Selling, General & Administrative	115.18	113.29	105.1	96.01	86.58	89.95
Other Non-Interest Expense	88.8	88.43	80.59	82.9	82.66	80.89
Total Non-Interest Expense	608.82	606.59	580.18	559.49	555.41	597.24
EBT Excluding Unusual Items	507.54	475.86	356.94	432.49	485.79	381.7
Asset Writedown	-	-	-	21.82	14.53	-40.07
Pretax Income	507.54	475.86	356.94	453.1	496.11	340.24
Income Tax Expense	116.18	117.18	87.83	106.56	119.2	78.26
Net Income	391.36	358.69	269.11	346.54	376.91	261.99
Net Income to Common	391.36	358.69	269.11	346.54	376.91	261.99
Net Income Growth	25.78%	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)	-	-0.06%	-0.46%	-0.49%	0.48%	18.45%
EPS (Basic)	5.69	5.21	3.90	5.01	5.43	3.78
EPS (Diluted)	5.67	5.19	3.89	4.99	5.40	3.77
EPS Growth	25.98%	33.42%	-22.04%	-7.59%	43.24%	37.09%
Dividend Per Share	0.750	0.650	0.600	0.600	0.600	0.600
Dividend Growth	25.00%	8.33%	-	-	-	20.00%
Effective Tax Rate	22.89%	24.62%	24.61%	23.52%	24.03%	23.00%

Updated Jul 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q