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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 June 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-20220630_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 69,360,054 shares of Common Stock outstanding as of July 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)
 June 30, 2022 (unaudited)December 31, 2021
Assets  
Cash and due from banks$345,627 $307,813 
Federal funds sold and interest-bearing deposits in banks1,961,209 3,756,844 
Cash and cash equivalents2,306,836 4,064,657 
Debt securities available-for-sale, at fair value, net of allowance for credit losses of $88 and $
1,052,268 592,621 
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $ and $ (fair value of $97,144 and $78,206)
111,654 79,850 
Other investments49,500 47,552 
Loans held for sale, at fair value 555,665 1,254,632 
Loans, net of unearned income17,561,022 15,874,258 
Allowance for credit losses(172,642)(167,582)
Loans, net17,388,380 15,706,676 
Other real estate owned, net835 3,810 
Premises and equipment, net224,249 225,400 
Goodwill1,023,056 1,012,620 
Other intangible assets, net115,613 125,938 
Cash value of bank owned life insurance384,862 331,146 
Other assets474,552 413,419 
Total assets$23,687,470 $23,858,321 
Liabilities  
Deposits:  
Noninterest-bearing$8,262,929 $7,774,823 
Interest-bearing11,422,053 11,890,730 
Total deposits19,684,982 19,665,553 
Securities sold under agreements to repurchase953 5,845 
Other borrowings425,592 739,879 
Subordinated deferrable interest debentures127,325 126,328 
Other liabilities375,242 354,265 
Total liabilities20,614,094 20,891,870 
Commitments and Contingencies (Note 9)
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; 72,251,856 and 72,017,126 shares issued
72,251 72,017 
Capital surplus1,931,088 1,924,813 
Retained earnings1,157,359 1,006,436 
Accumulated other comprehensive income, net of tax(12,635)15,590 
Treasury stock, at cost, 2,891,395 and 2,407,898 shares
(74,687)(52,405)
Total shareholders’ equity3,073,376 2,966,451 
Total liabilities and shareholders’ equity$23,687,470 $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
June 30,
Six Months Ended
June 30,
 2022202120222021
Interest income    
Interest and fees on loans$190,740 $167,761 $368,306 $338,918 
Interest on taxable securities7,064 5,244 11,303 11,362 
Interest on nontaxable securities269 139 455 280 
Interest on deposits in other banks and federal funds sold4,495 607 5,878 1,141 
Total interest income202,568 173,751 385,942 351,701 
Interest expense    
Interest on deposits4,908 5,775 9,000 12,573 
Interest on other borrowings6,296 6,124 13,034 12,299 
Total interest expense11,204 11,899 22,034 24,872 
Net interest income191,364 161,852 363,908 326,829 
Provision for loan losses13,227 (899)10,493 (17,478)
Provision for unfunded commitments1,779 1,299 10,788 (10,540)
Provision for other credit losses(82)(258)(126)(431)
Provision for credit losses14,924 142 21,155 (28,449)
Net interest income after provision for credit losses176,440 161,710 342,753 355,278 
Noninterest income    
Service charges on deposit accounts11,148 11,007 22,206 21,836 
Mortgage banking activity58,761 70,231 121,699 168,717 
Other service charges, commissions and fees998 1,056 1,937 2,072 
Net loss on securities248 1 221 (11)
Other noninterest income12,686 6,945 24,689 14,599 
Total noninterest income83,841 89,240 170,752 207,213 
Noninterest expense    
Salaries and employee benefits81,545 85,505 165,826 181,490 
Occupancy and equipment12,746 10,812 25,473 22,593 
Data processing and communications expenses12,155 11,877 24,727 23,761 
Credit resolution-related expenses496 622 (469)1,169 
Advertising and marketing3,122 1,946 5,110 3,377 
Amortization of intangible assets5,144 4,065 10,325 8,191 
Merger and conversion charges  977  
Loan servicing expense9,920 4,914 18,839 10,814 
Other noninterest expenses17,068 16,020 35,208 33,164 
Total noninterest expense142,196 135,761 286,016 284,559 
Income before income tax expense118,085 115,189 227,489 277,932 
Income tax expense28,019 26,862 55,725 64,643 
Net income90,066 88,327 171,764 213,289 
Other comprehensive loss    
Net unrealized holding losses arising during period on investment securities available-for-sale, net of tax benefit of $(2,870), $(283), $(7,503) and $(2,255)
(10,794)(1,066)(28,225)(8,481)
Total other comprehensive loss(10,794)(1,066)(28,225)(8,481)
Comprehensive income$79,272 $87,261 $143,539 $204,808 
Basic earnings per common share$1.30 $1.27 $2.48 $3.07 
Diluted earnings per common share$1.30 $1.27 $2.47 $3.06 
Weighted average common shares outstanding    
Basic69,136 69,497 69,246 69,448 
Diluted69,316 69,792 69,485 69,765 
See notes to unaudited consolidated financial statements.
2


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

Three Months Ended June 30, 2022
Common StockCapital SurplusRetained EarningsAccumulated Other Comprehensive Income (Loss), Net of TaxTreasury StockTotal Shareholders' Equity
SharesAmountSharesAmount
Balance, March 31, 202272,212,322 $72,212 $1,928,702 $1,077,725 $(1,841)2,773,238 $(69,639)$3,007,159 
Issuance of restricted shares18,953 19 (19)— — — —  
Forfeitures of restricted shares(10,751)(11)(81)— — — — (92)
Proceeds from exercise of stock options31,332 31 849 — — — — 880 
Share-based compensation— — 1,637 — — — — 1,637 
Purchase of treasury shares— — — — — 118,157 (5,048)(5,048)
Net income— — — 90,066 — — — 90,066 
Dividends on common shares ($0.15 per share)
— — — (10,432)— — — (10,432)
Other comprehensive loss during the period— — — — (10,794)— — (10,794)
Balance, June 30, 202272,251,856 $72,251 $1,931,088 $1,157,359 $(12,635)2,891,395 $(74,687)$3,073,376 
Six Months Ended June 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(10,751)(10)(81)— — — — (91)
Proceeds from exercise of stock options81,135 80 2,244 — — — — 2,324 
Share-based compensation— — 2,935 — — — — 2,935 
Purchase of treasury shares— — — — — 483,497 (22,282)(22,282)
Net income— — — 171,764 — — — 171,764 
Dividends on common shares ($0.30 per share)
— — — (20,841)— — — (20,841)
Other comprehensive loss during the period— — — — (28,225)— — (28,225)
Balance, June 30, 202272,251,856 $72,251 $1,931,088 $1,157,359 $(12,635)2,891,395 $(74,687)$3,073,376 


3


Three Months Ended June 30, 2021
Common StockCapital SurplusRetained EarningsAccumulated Other Comprehensive Income, Net of TaxTreasury StockTotal Shareholders' Equity
SharesAmountSharesAmount
Balance, March 31, 202171,954,088 $71,954 $1,917,990 $785,984 $26,090 2,240,662 $(44,422)$2,757,596 
Issuance of restricted shares13,233 13 (13)— — — —  
Forfeitures of restricted shares(750)(1)(19)— — — — (20)
Proceeds from exercise of stock options41,300 42 1,167 — — — — 1,209 
Share-based compensation— — 1,441 — — — — 1,441 
Purchase of treasury shares— — — — — — — — 
Net income— — — 88,327 — — — 88,327 
Dividends on common shares ($0.15 per share)
— — — (10,483)— — — (10,483)
Other comprehensive loss during the period— — — — (1,066)— — (1,066)
Balance, June 30, 202172,007,871 $72,008 $1,920,566 $863,828 $25,024 2,240,662 $(44,422)$2,837,004 
Six Months Ended June 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(750)(1)(19)— — — — (20)
Proceeds from exercise of stock options155,608 156 4,055 — — — — 4,211 
Share-based compensation— — 2,745 — — — — 2,745 
Purchase of treasury shares— — — — — 28,438 (1,456)(1,456)
Net income— — — 213,289 — — — 213,289 
Dividends on common shares ($0.30 per share)
— — — (20,971)— — — (20,971)
Other comprehensive loss during the period— — — — (8,481)— — (8,481)
Balance, June 30, 202172,007,871 $72,008 $1,920,566 $863,828 $25,024