1 star ratingAverage User Rating:
1 star rating based on 1 review.

Ameris Bank

Ameris Bank Locations
225 South Main Street
Moultrie, GA 31768
www.amerisbank.com

FDIC

Ameris Bank is headquartered in Moultrie and is the 4th largest bank in the state of Georgia. It is also the 246th largest bank in the nation. It was established in 1971 and as of December of 2012, it had grown to 866 employees at 79 locations. Ameris Bank has a 4-star health rating.

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Ameris Bank Slashes Rate on Darby Bank's Step-Up CD - 11/18/2010

When Darby Bank failed last Friday and Ameris Bank assumed all deposits, we knew the 4% APY of those old Darby Step-Up CDs was in jeopardy. As I described on Tuesday , the acquiring bank can lower the ...


Data for Q4 2012


Institution Statistics


Ameris Bank
FDIC Certificate #20504
BankRate ReportView
Year Established1971
Employees866
Primary RegulatorFDIC

Assets and Liabilities

Assets$3.02 billion
Loans$1.98 billion
Deposits$2.63 billion
Equity Capital$318.10 million
Loan Loss Allowance$23.59 million
Unbacked Noncurrent Loans$41.35 million
Real Estate Owned$39.85 million

Historic Data - December 2011

Assets$3.00 billion
Equity Capital$330.68 million
Loan Loss Allowance$35.16 million
Unbacked Noncurrent Loans$77.83 million
Real Estate Owned$46.63 million

Profit Margin - Quarterly

Net Interest Margin4.73%
Return on Assets0.54%
Return on Equity4.87%
Interest Income$129.49 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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, 2012 Ameris Bank had $81.2 million in non-current loans and owned real-estate with $341.69 million in equity and loan loss allowances on hand to cover it. This gives Ameris Bank a Texas Ratio of 23.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Ameris Bank decreased slightly from 33.79% as of December 31, 2011 to 23.76% as of December 31, 2012, resulting in a positive change of 29.67%.This indicates that the balance sheet and financial strength for Ameris Bank has improved slightly in recent periods.
Deposit Growth4
In the past year, Ameris Bank has increased its total deposits by $30.54 million, resulting in 1.18% 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.
Capitalization4
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 $341.69 million in equity, resulting in a capitalization level of 11.33%, which is above average.
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Overcharge For Services
1 stars - arp1987 - Wednesday, August 15, 2012 - 11:16 PM

I had Darby bank in the past and then became Ameris bank, ok cool. I opened an account with Darby and was very pleased with their services and fees. Darby comes in and charges me fees without notice, I went out of the country for 6 months, I come back and Darby charges me $3 a month for the 6 months I didnt use my debit card... Really!? That had never happened before until they came in. Imagine in the thousands of customers they get a month at $3... No wonder Ameris is growing. To cash a third party check ?? OmG! Finger prints, and questions questions "where is the other person?" blah, blah and still can't cash or deposit checks that I have already cashed for people. First of all, if a person has an established account with you guys and enough money to back up the check if a problem, why treat a client this way? why run off your customers to another bank that can give that respect and value you can do as well. Until improvement, I don't care to bank with Ameris or recommend this bank to anyone.

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