For the quarter ending 2025-09-30, ABCB had -$127,106K decrease in cash & cash equivalents over the period. $100,522K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 106,029 | 197,769 |
| Depreciation, amortization and accretion, net | 6,869 | 16,476 |
| Net (gains) losses on sale or disposal of premises and equipment | -68 | 121 |
| Provision for credit losses | 22,630 | 24,664 |
| Net write-downs and (gains) losses on sale of other real estate owned | -165 | 46 |
| Share-based compensation expense | 3,231 | 6,452 |
| Amortization of operating lease right of use assets | 2,171 | 4,604 |
| Provision for deferred taxes | -5,824 | -3,079 |
| Net (gain) loss on securities | 1,581 | 40 |
| Originations of mortgage loans held for sale | 1,026,400 | 2,087,452 |
| Payments received on mortgage loans held for sale | 9,184 | 14,189 |
| Proceeds from sales of mortgage loans held for sale | 986,293 | 2,071,092 |
| Net gains on mortgage loans held for sale | 17,031 | 19,163 |
| Originations of sba loans held for sale | 5,856 | 22,771 |
| Proceeds from sales of sba loans held for sale | 1,545 | 24,135 |
| Net gains on sale of sba loans held for sale | 426 | 1,364 |
| Increase in cash surrender value of bank owned life insurance | 3,405 | 6,788 |
| Gain on bank owned life insurance proceeds | 389 | 12 |
| Gain on sale of mortgage servicing rights | 125 | 342 |
| Gain on debt redemption | 572 | 0 |
| Change attributable to other operating activities | 28,344 | -39,979 |
| Net cash provided by operating activities | 104,920 | 178,224 |
| Purchases of debt securities available-for-sale | 336,349 | 475,276 |
| Purchases of debt securities held-to-maturity | 27,134 | 13,914 |
| Proceeds from maturities and paydowns of debt securities available-for-sale | 70,597 | 307,585 |
| Proceeds from sales of debt securities available-for-sale | 45,039 | - |
| Proceeds from maturities and paydowns of debt securities held-to-maturity | 1,090 | 2,228 |
| Net (increase) decrease in other investments | -283 | 4,455 |
| Net increase in loans | 242,338 | 328,390 |
| Purchases of premises and equipment | 4,398 | 10,337 |
| Proceeds from sale of premises and equipment | 22 | 150 |
| Proceeds from sales of other real estate owned | 3,274 | 3,548 |
| Proceeds from sale of mortgage servicing rights | 23,728 | 0 |
| Purchases of bank owned life insurance | 0 | - |
| Proceeds from bank owned life insurance | -1 | 56,900 |
| Net cash used in investing activities | -466,187 | -461,961 |
| Net increase in deposits | 295,403 | 210,227 |
| Proceeds from other borrowings | 2,530,000 | 2,615,000 |
| Repayment of other borrowings | 2,569,060 | 2,530,119 |
| Dividends paid - common stock | 13,698 | 27,882 |
| Purchase of treasury shares | 8,484 | 33,596 |
| Net cash provided by financing activities | 234,161 | 233,630 |
| Net (decrease) increase in cash and cash equivalents | -127,106 | -50,107 |
| Cash and cash equivalents at beginning of period | 1,220,377 | - |
| Cash and cash equivalents at end of period | 1,043,164 | - |
Ameris Bancorp (ABCB)
Ameris Bancorp (ABCB)