贷款组合 - 公司贷款组合总额约为202.5亿美元，占总资产的80.8%[17] - 商业地产贷款是贷款组合中最大的部分，近年来增长显著[17] - 住宅房地产抵押贷款通常是20至30年分期偿还，大部分在二级市场出售[18] - 农业贷款主要用于农作物生产、购买农场相关设备或土地以及农业经营[19] - 商业和工业贷款主要提供给制造商、批发商、零售商、服务公司等，部分由美国小企业管理局担保[20] - 消费者贷款包括家庭装修、房屋净值、汽车、储蓄账户担保贷款等[21] 资金来源 - 公司的投资政策旨在最大化未用于满足贷款需求的资金收入[28] - 公司提供全面的存款账户和服务，主要来自零售和商业客户[31] - 公司通过外部经纪人获得经纪存款，以帮助管理利率风险[32] - 公司通过联邦住房贷款银行等其他融资来源获得资金[33] 员工发展与多样性 - 公司的员工培训和发展计划包括领导力发展计划，自我领导、团队领导和领导者领导等方面的课程[49] - 公司的员工教育援助计划提供高达5250美元的教育费用报销，鼓励员工通过正规教育提升技能和知识[50] - 公司致力于多样性、公平和包容，女性占员工总数的66%，少数族裔占31%[53] 监管要求 - 公司受到联邦和州法律的广泛监管，包括涉及贷款和收集实践、客户待遇、存款保障、客户隐私和信息安全等方面的规定[55] - 公司必须遵守联邦和州法律规定的最低监管资本比例，包括普通股Tier 1资本占风险加权资产总额的至少4.5%[71] 银行资本与监管 - 银行作为公司的子公司，现金收入的主要来源是来自银行的股息，联邦和州法律限制银行支付给公司的股息[66] - 银行持有公司的股票，公司必须在过去一年的净收入足以支付现金股息的情况下才能支付股息[69] - 银行必须维持联邦储备和联邦存款保险公司规定的最低监管资本比例，以避免资本分配和自由奖金支付方面的限制[71] - 银行在2022年底的总风险加权资产中，普通股Tier 1资本、Tier 1资本和总资本分别占11.12%、11.12%和12.28%[76] CECL模型和监管 - 银行机构可以选择在三年内逐步引入当前预期信贷损失（CECL）模型的监管资本影响[77] - 2020年3月27日，CARES法案签署，允许金融机构暂时推迟使用CECL[77] - 银行选择根据临时最终规则推迟CECL的监管资本影响，而不适用于CARES法案中提供的CECL推迟[77] - 银行的监管资本的CECL影响将推迟到2021年，并将在2022年1月1日至2024年12月31日期间逐步引入三年[77] 银行交易限制 - 银行受到与Ameris及其关联方的交易、捆绑安排和贷款限额的限制[78] - 银行与Ameris及其关联方之间的交易受联邦储备法案第23A和第23B节的限制[79] - 银行对其高管、董事、主要股东及其关联方的信贷延伸也受到限制[80] - 银行不得以条件为客户提供额外信贷、财产或服务[81] 贷款情况 - 我公司的C&D贷款占资本比例为79.4%，净的CRE贷款占资本比例为291.7%[107] - 我公司的PPP贷款在2022年底不具有实质性[109] 利率风险 - 我公司的最新模型显示，如果利率在未来一年内上升100个基点，净利息收入将增加[295]

Ameris Bancorp (NYSE:ABCB) Q4 2022 Earnings Conference Call January 28, 2023 9:00 AM ET Company Participants Palmer Proctor - Chief Executive Officer Nicole Stokes - Chief Financial Officer Jon Edwards - Chief Credit Officer Conference Call Participants Casey Whitman - Piper Sandler Brady Gailey - KBW Christopher Marinac - Janney Montgomery Scott Operator Hello everyone and welcome to the Ameris Bancorp fourth quarter 2022 conference call, and thank you for standing by. My name is Daisy and I will be coordi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $1 per share ABCB Nasdaq Global Select Market Emerging growth company ☐ 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 ...

QCR Holdings, Inc. (NYSE:ABCB) Q3 2022 Earnings Conference Call October 28, 2022 9:00 AM ET Company Participants Palmer Proctor - CEO Nicole Stokes - CFO Jon Edwards - Chief Credit Officer Conference Call Participants Kevin Fitzsimmons - D.A. Davidson Companies Brady Gailey - KBW Jennifer Demba - Truist Securities David Feaster - Raymond James Christopher Marinac - Janney Montgomery Scott Operator Hello, everyone, and thank you for joining the Ameris Bancorp Third Quarter 2022 Conference Call. My name is Da ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $1 per share ABCB Nasdaq Global Select Market Emerging growth company ☐ 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 ...

Ameris Bancorp (NYSE:ABCB) Q2 2022 Earnings Conference Call July 27, 2022 9:00 AM ET Company Participants Nicole Stokes - Chief Financial Officer Palmer Proctor - Chief Executive Officer Jon Edwards - Chief Credit Officer Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Christopher Marinac - Janney Montgomery Scott Jennifer Demba - Truist Securities Operator Hello, and welcome to today's Ameris Bancorp's Second Quarter Earnings Call. My name is Bailey, and I'll be the moderator ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $1 per share ABCB Nasdaq Global Select Market Emerging growth company ☐ 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 March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 O ...

Ameris Bancorp (NYSE:ABCB) Q1 2022 Earnings Conference Call April 27, 2022 9:00 AM ET Company Participants Nicole Stokes - Corporate Executive VP and CFO Palmer Proctor - CEO and Director Conference Call Participants Brady Gailey - KBW Casey Whitman - Piper Sandler Kevin Fitzsimmons - D.A. Davidson David Feaster - Raymond James Jennifer Demba - Truist Securities Christopher Marinac - Janney Montgomery Scott Brody Preston - Stephens Inc Operator Hello, everyone, and welcome to the Ameris Bank First Quarter E ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021, or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 001-13901 AMERIS BANCORP (Exact name of registrant as specified in its charter) Georgia 58-1456434 (State of incorporation) (IRS Employer ID No.) ...