Institution Statistics
| Ameris Bank | | FDIC Certificate # | 20504 | | BankRate Report | View | | Year Established | 1971 | | Employees | 745 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $3.00 billion | | Loans | $1.88 billion | | Deposits | $2.60 billion | | Equity Capital | $330.68 million | | Loan Loss Allowance | $35.16 million | | Unbacked Noncurrent Loans | $77.83 million | | Real Estate Owned | $46.63 million |
Historic Data - December 2010 | | Assets | $2.97 billion | | Equity Capital | $303.89 million | | Loan Loss Allowance | $34.58 million | | Unbacked Noncurrent Loans | $83.20 million | | Real Estate Owned | $57.91 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.79% | | Return on Assets | 0.77% | | Return on Equity | 7.2% | | Interest Income | $141.35 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ameris Bank had $124.46 million in non-current loans and owned real-estate with $365.83 million in equity and loan loss allowances on hand to cover it. This gives Ameris Bank a Texas Ratio of 34.02% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Ameris Bank decreased significantly from 68.16% as of December 31, 2010 to 34.02% as of December 31, 2011, resulting in a positive change of 50.08%.This indicates that the balance sheet and financial strength for Ameris Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Ameris Bank has increased its total deposits by $51.44 million, resulting in 2.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ameris Bank has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ameris Bank has $3 billion in assets with $365.83 million in equity, resulting in a capitalization level of 12.18%, which is excellent. |
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