Ameris Bank

Ameris Bank is headquartered in Moultrie and is the 4^th largest bank in the state of Georgia. It is also the 238^th largest bank in the nation. It was established in 1971 and as of September of 2011, it had grown to 730 employees at 74 locations. Ameris Bank has a 3-star health rating.

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Data for Q3 2011

Institution Statistics Ameris Bank FDIC Certificate # 20504 BankRate Report View Year Established 1971 Employees 730 Primary Regulator FDIC Assets and Liabilities Assets $3.02 billion Loans $1.94 billion Deposits $2.63 billion Equity Capital $329.17 million Loan Loss Allowance $35.24 million Unbacked Noncurrent Loans $205.59 million Real Estate Owned $132.77 million Historic Data - September 2010 Assets $2.43 billion Equity Capital $304.92 million Loan Loss Allowance $33.94 million Unbacked Noncurrent Loans $94.12 million Real Estate Owned $75.54 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.96% Return on Equity 9.06% Interest Income $103.05 million

Institution Health Overall Score: 3 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 September 30, 2011 Ameris Bank had $338.37 million in non-current loans and owned real-estate with $364.41 million in equity and loan loss allowances on hand to cover it. This gives Ameris Bank a Texas Ratio of 92.85% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ameris Bank increased slightly from 58.53% as of September 30, 2010 to 92.85% as of September 30, 2011, resulting in a negative change of 58.63%. This indicates that the balance sheet and financial strength for Ameris Bank has declined slightly in recent periods. Deposit Growth In the past year, Ameris Bank has increased its total deposits by $527.01 million, resulting in 25.04% 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 excellent. 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 $3.02 billion in assets with $364.41 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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