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Income Overview

Net Income
$36,414K
EPS
$0.77
Unit: Thousand (K) dollars
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
326,705
317,883
279,178*
321,457
Interest on taxable securities
30,217
25,474
21,404*
23,253
Interest on nontaxable securities
383
374
413*
343
Interest on deposits in other banks and federal funds sold
-
-
-
9,993
Interest on deposits in other banks
8,270
8,040
10,105*
-
Total interest income
365,575
351,771
311,099*
355,046
Interest on deposits
98,995
96,227
103,706*
106,851
Interest on other borrowings
14,096
11,108
4,536*
10,231
Total interest expense
113,091
107,335
108,242*
117,082
Net interest income
252,484
244,436
202,857*
237,964
Provision for loan losses
15,894
17,895
25,977*
11,176
Provision for unfunded commitments
1,360
-1,338
6,166*
11,446
Provision for other credit gaines
-1
-6
-1*
8
Provision for credit losses
17,253
16,551
32,141*
22,630
Net interest income after provision for credit losses
235,231
227,885
170,716*
215,334
Service charges on deposit accounts
14,044
13,679
13,509*
13,931
Mortgage banking activity
32,526
37,008
27,185*
40,666
Other service charges, commissions and fees
1,065
1,027
1,070*
1,124
Net loss on securities
7,392
0
-738*
1,581
Equipment finance activity
8,948
9,086
7,417*
8,858
Other noninterest income
9,557
9,120
4,816*
10,114
Total noninterest income
73,532
69,920
53,258*
76,274
Salaries and employee benefits
91,494
91,366
99,869*
90,948
Occupancy and equipment
12,555
11,625
10,536*
11,524
Advertising and marketing
3,452
3,296
1,306*
3,377
Amortization of intangible assets
3,114
3,393
4,005*
3,879
Data processing and communications expenses
15,571
16,793
15,379*
16,058
Legal and other professional fees
6,866
5,032
4,536*
-
Credit resolution-related expenses
798
509
1,005*
770
Fdic insurance
3,287
2,937
2,592*
-
Loan servicing expense
7,205
7,380
7,071*
8,142
Litigation accrual
82,530
-
-
-
Other noninterest expenses
15,842
14,749
-7,086*
19,868
Total noninterest expense
242,714
157,080
139,211*
154,566
Income before income tax expense
66,049
140,725
84,762*
137,042
Income tax expense
14,603
30,233
25,804*
31,013
Net income
51,446
110,492
58,958
106,029
Net unrealized holding gains (losses) arising during period on debt securities available-for-sale, net of tax expense (benefit) of (4,841), 2,392, (8,015) and 7,612
-14,985
-9,788
-
12,145
Reclassification adjustment for gains on debt securities included in earnings, net of tax expense of 15, 0, 15, and 0
47
-
-
88
Total other comprehensive income (loss)
-15,032
-9,788
-
12,057
Comprehensive income
36,414
100,704
-
118,086
Basic EPS
0.77
1.64
0.863
1.55
Diluted EPS
0.77
1.63
0.859
1.54
Basic Average Shares
66,883,935
67,540,444
68,350,091
68,401,737
Diluted Average Shares
67,099,941
67,766,997
68,655,496
68,665,669
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Income Statement

Interest and fees on loans$326,705K (3.42%↑ Y/Y)Interest on taxablesecurities$30,217K (46.00%↑ Y/Y)Interest on deposits inother banks$8,270K Interest on nontaxablesecurities$383K (14.67%↑ Y/Y)Total interest income$365,575K (5.16%↑ Y/Y)Net interest income$252,484K (8.92%↑ Y/Y)Mortgage bankingactivity$32,526K (-17.07%↓ Y/Y)Service charges ondeposit accounts$14,044K (4.08%↑ Y/Y)Other noninterestincome$9,557K (12.87%↑ Y/Y)Equipment financeactivity$8,948K (36.15%↑ Y/Y)Net loss onsecurities$7,392K Other servicecharges, commissions and...$1,065K (-8.03%↓ Y/Y)Total interestexpense$113,091K (-2.36%↓ Y/Y)Net interest incomeafter provision for...$235,231K (2.70%↑ Y/Y)Total noninterestincome$73,532K (6.71%↑ Y/Y)Provision for creditlosses$17,253K (522.40%↑ Y/Y)Provision for other creditgaines-$1K (66.67%↑ Y/Y)Interest on deposits$98,995K (-7.30%↓ Y/Y)Interest on otherborrowings$14,096K (56.12%↑ Y/Y)Income before incometax expense$66,049K (-53.71%↓ Y/Y)Total noninterestexpense$242,714K (56.33%↑ Y/Y)Provision for loan losses$15,894K (411.06%↑ Y/Y)Provision for unfundedcommitments$1,360K (505.97%↑ Y/Y)Net income$51,446K (-53.16%↓ Y/Y)Income tax expense$14,603K (-55.56%↓ Y/Y)Salaries and employeebenefits$91,494K (2.45%↑ Y/Y)Litigation accrual$82,530K Other noninterestexpenses$15,842K (-30.55%↓ Y/Y)Data processing andcommunications expenses$15,571K (1.33%↑ Y/Y)Occupancy and equipment$12,555K (10.12%↑ Y/Y)Loan servicingexpense$7,205K (-8.76%↓ Y/Y)Legal and otherprofessional fees$6,866K Advertising and marketing$3,452K (-7.82%↓ Y/Y)Fdic insurance$3,287K Amortization of intangibleassets$3,114K (-23.60%↓ Y/Y)Creditresolution-related expenses$798K (21.46%↑ Y/Y)Comprehensive income$36,414K (-68.98%↓ Y/Y)Total othercomprehensive income (loss)-$15,032K (-299.26%↓ Y/Y)Net unrealizedholding gains (losses)...-$14,985K (-298.63%↓ Y/Y)Reclassification adjustment forgains on debt...$47K

Ameris Bancorp (ABCB)

Ameris Bancorp (ABCB)