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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 10-Q
(Mark One)
☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the quarterly period ended September 30, 2022
 
OR
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
Commission File Number: 001-13901
abcb-20220930_g1.jpg
AMERIS BANCORP
(Exact name of registrant as specified in its charter)
Georgia58-1456434
(State of incorporation)(IRS Employer ID No.)
3490 Piedmont Rd N.E., Suite 1550
AtlantaGeorgia30305
(Address of principal executive offices)
(404)639-6500
(Registrant’s telephone number) 

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $1 per shareABCBNasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No   ¨
 
Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No   ¨
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filerýAccelerated filer☐
    
Non-accelerated filer
☐ 
Smaller reporting company☐
    
 Emerging growth company☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐   No  ý

 There were 69,351,709 shares of Common Stock outstanding as of October 31, 2022.


AMERIS BANCORP
TABLE OF CONTENTS
  Page
   
PART I – FINANCIAL INFORMATION 
   
Item 1. 
   
 
   
 
   
 
   
 
   
 
   
Item 2.
   
Item 3.
   
Item 4.
   
 
   
Item 1.
   
Item 1A.
   
Item 2.
   
Item 3.
   
Item 4.
   
Item 5.
   
Item 6.
   




Item 1. Financial Statements.

AMERIS BANCORP AND SUBSIDIARIES
Consolidated Balance Sheets
(dollars in thousands, except per share data)
 September 30, 2022 (unaudited)December 31, 2021
Assets  
Cash and due from banks$269,193 $307,813 
Federal funds sold and interest-bearing deposits in banks1,061,975 3,756,844 
Cash and cash equivalents1,331,168 4,064,657 
Debt securities available-for-sale, at fair value, net of allowance for credit losses of $79 and $—
1,255,149 592,621 
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $— and $— (fair value of $107,814 and $78,206)
130,214 79,850 
Other investments60,560 47,552 
Loans held for sale, at fair value 297,987 1,254,632 
Loans, net of unearned income18,806,856 15,874,258 
Allowance for credit losses(184,891)(167,582)
Loans, net18,621,965 15,706,676 
Other real estate owned, net843 3,810 
Premises and equipment, net222,694 225,400 
Goodwill1,023,071 1,012,620 
Other intangible assets, net110,903 125,938 
Cash value of bank owned life insurance386,533 331,146 
Other assets372,570 413,419 
Total assets$23,813,657 $23,858,321 
Liabilities  
Deposits:  
Noninterest-bearing$8,343,200 $7,774,823 
Interest-bearing11,123,719 11,890,730 
Total deposits19,466,919 19,665,553 
Securities sold under agreements to repurchase— 5,845 
Other borrowings725,664 739,879 
Subordinated deferrable interest debentures127,823 126,328 
Other liabilities374,181 354,265 
Total liabilities20,694,587 20,891,870 
Commitments and Contingencies (Note 8)
Shareholders’ Equity  
Preferred stock, stated value $1,000; 5,000,000 shares authorized; 0 shares issued and outstanding
— — 
Common stock, par value $1; 200,000,000 shares authorized; 72,247,386 and 72,017,126 shares issued
72,247 72,017 
Capital surplus1,932,906 1,924,813 
Retained earnings1,239,477 1,006,436 
Accumulated other comprehensive income, net of tax(50,734)15,590 
Treasury stock, at cost, 2,894,677 and 2,407,898 shares
(74,826)(52,405)
Total shareholders’ equity3,119,070 2,966,451 
Total liabilities and shareholders’ equity$23,813,657 $23,858,321 

 See notes to unaudited consolidated financial statements.
1

AMERIS BANCORP AND SUBSIDIARIES
Consolidated Statements of Income and Comprehensive Income (unaudited)
(dollars and shares in thousands, except per share data)
 Three Months Ended
September 30,		Nine Months Ended
September 30,
 2022202120222021
Interest income    
Interest and fees on loans$216,400 $166,358 $584,706 $505,276 
Interest on taxable securities10,324 5,296 21,627 16,658 
Interest on nontaxable securities363 139 818 419 
Interest on deposits in other banks and federal funds sold7,215 1,253 13,093 2,394 
Total interest income234,302 173,046 620,244 524,747 
Interest expense    
Interest on deposits14,034 5,106 23,034 17,679 
Interest on other borrowings7,287 6,279 20,321 18,578 
Total interest expense21,321 11,385 43,355 36,257 
Net interest income212,981 161,661 576,889 488,490 
Provision for loan losses17,469 (3,984)27,962 (21,462)
Provision for unfunded commitments192 (5,516)10,980 (16,056)
Provision for other credit losses(9)(175)(135)(606)
Provision for credit losses17,652 (9,675)38,807 (38,124)
Net interest income after provision for credit losses195,329 171,336 538,082 526,614 
Noninterest income    
Service charges on deposit accounts11,168 11,486 33,374 33,322 
Mortgage banking activity40,350 56,460 162,049 225,177 
Other service charges, commissions and fees970 1,154 2,907 3,226 
Net gain (loss) on securities(21)530 200 519 
Other noninterest income12,857 6,932 37,546 21,531 
Total noninterest income65,324 76,562 236,076 283,775 
Noninterest expense    
Salaries and employee benefits78,697 79,671 244,523 261,161 
Occupancy and equipment12,983 11,979 38,456 34,572 
Data processing and communications expenses12,015 10,681 36,742 34,442 
Credit resolution-related expenses126 377 (343)1,546 
Advertising and marketing3,553 2,676 8,663 6,053 
Amortization of intangible assets4,710 3,387 15,035 11,578 
Merger and conversion charges— 183 977 183 
Loan servicing expense9,613 7,400 28,452 18,214 
Other noninterest expenses17,881 20,842 53,089 54,006 
Total noninterest expense139,578 137,196 425,594 421,755 
Income before income tax expense121,075 110,702 348,564 388,634 
Income tax expense28,520 29,022 84,245 93,665 
Net income92,555 81,680 264,319 294,969 
Other comprehensive loss    
Net unrealized holding losses arising during period on investment securities available-for-sale, net of tax benefit of $(10,128), $(834), $(17,631) and $(3,089)
(38,099)(3,139)(66,324)(11,620)
Total other comprehensive loss(38,099)(3,139)(66,324)(11,620)
Comprehensive income$54,456 $78,541 $197,995 $283,349 
Basic earnings per common share$1.34 $1.18 $3.82 $4.25 
Diluted earnings per common share$1.34 $1.17 $3.81 $4.23 
Weighted average common shares outstanding    
Basic69,125 69,440 69,213 69,445 
Diluted69,327 69,756 69,428 69,772 
See notes to unaudited consolidated financial statements.
2

AMERIS BANCORP AND SUBSIDIARIES
Consolidated Statements of Shareholders’ Equity (unaudited)
(dollars in thousands)

Three Months Ended September 30, 2022
Common StockCapital SurplusRetained EarningsAccumulated Other Comprehensive Income (Loss), Net of TaxTreasury StockTotal Shareholders' Equity
SharesAmountSharesAmount
Balance, June 30, 202272,251,856 $72,251 $1,931,088 $1,157,359 $(12,635)2,891,395 $(74,687)$3,073,376 
Forfeitures of restricted shares(4,470)(4)(38)— — — — (42)
Share-based compensation— — 1,856 — — — — 1,856 
Purchase of treasury shares— — — — — 3,282 (139)(139)
Net income— — — 92,555 — — — 92,555 
Dividends on common shares ($0.15 per share)
— — — (10,437)— — — (10,437)
Other comprehensive loss during the period— — — — (38,099)— — (38,099)
Balance, September 30, 202272,247,386 $72,247 $1,932,906 $1,239,477 $(50,734)2,894,677 $(74,826)$3,119,070 
Nine Months Ended September 30, 2022
Common StockCapital SurplusRetained EarningsAccumulated Other Comprehensive Income (Loss), Net of TaxTreasury StockTotal Shareholders' Equity
SharesAmountSharesAmount
Balance, December 31, 202172,017,126 $72,017 $1,924,813 $1,006,436 $15,590 2,407,898 $(52,405)$2,966,451 
Issuance of restricted shares164,346 164 1,177 — — — — 1,341 
Forfeitures of restricted shares(13,889)(14)(119)— — — — (133)
Proceeds from exercise of stock options79,803 80 2,244 — — — — 2,324 
Share-based compensation— — 4,791 — — — — 4,791 
Purchase of treasury shares— — — — — 486,779 (22,421)(22,421)
Net income— — — 264,319 — — — 264,319 
Dividends on common shares ($0.45 per share)
— — — (31,278)— — — (31,278)
Other comprehensive loss during the period— — — — (66,324)— — (66,324)
Balance, September 30, 202272,247,386 $72,247 $1,932,906 $1,239,477 $(50,734)2,894,677 $(74,826)$3,119,070 


3

Three Months Ended September 30, 2021
Common StockCapital SurplusRetained EarningsAccumulated Other Comprehensive Income, Net of TaxTreasury StockTotal Shareholders' Equity
SharesAmountSharesAmount
Balance, June 30, 202172,007,871 $72,008 $1,920,566 $863,828 $25,024 2,240,662 $(44,422)$2,837,004 
Forfeitures of restricted shares(1,945)(2)(31)— — — — (33)
Proceeds from exercise of stock options10,000 10 278 — — — — 288 
Share-based compensation— — 2,151 — — — — 2,151 
Purchase of treasury shares— — — — — 139,829 (6,652)(6,652)
Net income— — — 81,680 — — — 81,680 
Dividends on common shares ($0.15 per share)
— — — (10,529)— — — (10,529)
Other comprehensive loss during the period— — — — (3,139)— — (3,139)
Balance, September 30, 202172,015,926 $72,016 $1,922,964 $934,979 $21,885 2,380,491 $(51,074)$2,900,770 
Nine Months Ended September 30, 2021
Common StockCapital SurplusRetained EarningsAccumulated Other Comprehensive Income, Net of TaxTreasury StockTotal Shareholders' Equity
SharesAmountSharesAmount
Balance, December 31, 202071,753,705 $71,754 $1,913,285 $671,510 $33,505 2,212,224 $(42,966)$2,647,088 
Issuance of restricted shares99,308 99 500 — — — — 599 
Forfeitures of restricted shares(2,695)(3)(50)— — — — (53)
Proceeds from exercise of stock options165,608 166 4,333 — — — — 4,499 
Share-based compensation— — 4,896 — — — — 4,896 
Purchase of treasury shares— — — — — 168,267 (8,108)(8,108)
Net income— — — 294,969 — — — 294,969 
Dividends on common shares ($0.45 per share)
— — — (31,500)— — — (31,500)
Other comprehensive loss during the period— — — — (11,620)— — (11,620)
Balance, September 30, 202172,015,926 $72,016 $1,922,964 $934,979 $21,885 2,380,491 $(51,074)$2,900,770 

See notes to unaudited consolidated financial statements. 
4

AMERIS BANCORP AND SUBSIDIARIES
Consolidated Statements of Cash Flows (unaudited)
(dollars in thousands)
 Nine Months Ended
September 30,
 20222021
Operating Activities  
Net income$264,319 $294,969 
Adjustments reconciling net income to net cash provided by (used in) operating activities:  
Depreciation13,808 12,864 
Net losses on sale or disposal of premises and equipment92 3,200 
Net write-downs on other assets— 260 
Provision for credit losses38,807 (