| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 321,457 | 315,893 | ||
| Interest on taxable securities | 23,253 | 20,696 | ||
| Interest on nontaxable securities | 343 | 334 | ||
| Interest on deposits in other banks and federal funds sold | 9,993 | 10,715 | ||
| Total interest income | 355,046 | 347,638 | ||
| Interest on deposits | 106,851 | 106,796 | ||
| Interest on other borrowings | 10,231 | 9,029 | ||
| Total interest expense | 117,082 | 115,825 | ||
| Net interest income | 237,964 | 231,813 | ||
| Provision for loan losses | 11,176 | 3,110 | ||
| Provision for unfunded commitments | 11,446 | -335 | ||
| Provision for other credit losses | 8 | -3 | ||
| Provision for credit losses | 22,630 | 2,772 | ||
| Net interest income after provision for credit losses | 215,334 | 229,041 | ||
| Service charges on deposit accounts | 13,931 | 13,493 | ||
| Mortgage banking activity | 40,666 | 39,221 | ||
| Other service charges, commissions and fees | 1,124 | 1,158 | ||
| Net gain (loss) on securities | 1,581 | 0 | ||
| Equipment finance activity | 8,858 | 6,572 | ||
| Other noninterest income | 10,114 | 8,467 | ||
| Total noninterest income | 76,274 | 68,911 | ||
| Salaries and employee benefits | 90,948 | 89,308 | ||
| Occupancy and equipment | 11,524 | 11,401 | ||
| Data processing and communications expenses | 16,058 | 15,366 | ||
| Credit resolution-related expenses | 770 | 657 | ||
| Advertising and marketing | 3,377 | 3,745 | ||
| Amortization of intangible assets | 3,879 | 4,076 | ||
| Loan servicing expense | 8,142 | 7,897 | ||
| Other noninterest expenses | 19,868 | 22,810 | ||
| Total noninterest expense | 154,566 | 155,260 | ||
| Income before income tax expense | 137,042 | 142,692 | ||
| Income tax expense | 31,013 | 32,858 | ||
| Net income | 106,029 | 109,834 | ||
| Net unrealized holding gains arising during period on debt securities available-for-sale, net of tax expense of 3,988, 7,427, 11,600 and 6,710 | 12,145 | 7,544 | ||
| Reclassification adjustment for gains on debt securities included in earnings, net of tax expense of 28, 0, 28 and 0 | 88 | - | ||
| Total other comprehensive income | 12,057 | 7,544 | ||
| Comprehensive income | 118,086 | 117,378 | ||
| Basic (in shares) | 68,401,737 | 68,594,608 | ||
| Basic earnings per common share (in dollars per share) | 1.55 | 1.6 | ||
| Diluted (in shares) | 68,665,669 | 68,796,577 | ||
| Diluted earnings per common share (in dollars per share) | 1.54 | 1.6 | ||
Ameris Bancorp (ABCB)
Ameris Bancorp (ABCB)