Ameris Bank in Moultrie, Georgia (GA), SC, FL, AL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Ameris Bank in Moultrie, Georgia (GA), SC, FL, AL
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Ameris Bank routing number info

Ameris Bank - Overview

  • General
  • FDIC Certificate #: 20504
    Status: Active
    Federal Reserve ID: 764030
    Bank Holding Company (Regulatory Top Holder): Ameris Bancorp (RSSDID: 1082067, Location: Moultrie, GA)
    Date Established: October 01, 1971
    WWW: http://www.amerisbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 79 (Domestic: 74, Interstate: Yes)
    OTS Docket #: 12344
    FDIC's unique #: 14145
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 01, 1971
    Last Structure Change Effective Date: Febuary 24, 2012
    Last Structure Change Process Date: Febuary 27, 2012
    Last Data Update: Febuary 27, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 225 South Main Street, Moultrie, GA 31768
    County: Colquitt
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Moultrie, GA (#34220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $3,003.2 mil
    Equity capital: $330.7 mil
    Deposits held in domestic offices: $2,595.8 mil
    Return on assets (ROA): 0.77% ($23.1 mil)
    Quarterly return on assets: 0.20% ($6.0 mil)
    Return on Equity (ROE): 7.20% ($23.8 mil)
    Quarterly return on equity: 1.84% ($6.1 mil)
    Net income: $22.7 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.15% ($34,536.7 mil)
    Quarterly Pretax return on assets: 0.32% ($9,610.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 745Total employees (full-time equivalent)
  • $3,003,189Total assets
  • $266,055Cash and due from depository institutions
  • $84,618Interest-bearing balances
  • $339,967Securities
  • $28,515Federal funds sold & reverse repurchase agreements
  • $1,879,981Net loans & leases
  • $35,156Loan loss allowance
  • $0Trading account assets
  • $73,123Bank premises and fixed assets
  • $125,295Other real estate owned
  • $4,206Goodwill and other intangibles
  • $3,003,190Life insurance assets
  • $286,047All other assets
  • $2,672,513Total liabilities and capital
  • $2,595,765Total liabilities
  • $2,195,575Total deposits
  • $2,595,765Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 37665.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $19,083Subordinated debt
  • $330,677All other liabilities
  • $330,677Total equity capital
  • $330,677Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $300,206Surplus
  • $29,721Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,563Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $230,686Income earned, not collected on loans
  • $0Earning assets
  • $14,767Long-term assets (5+ years)
  • $2,333,081Average Assets, year-to-date
  • $353,269Average Assets, quarterly
  • $2,953,322Volatile liabilities
  • $3,012,356Insider loans
  • $1,719,756FHLB advances
  • $3,012,867Loans and leases held for sale
  • $1,261Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $320,032Tier 2 risk-based capital
  • $1,261Total risk weighted assets
  • $0Total unused commitments
  • $132,700Restructured Loans and leases
  • $7,986Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $141,353Total interest income
  • $26,128Total interest expense
  • $115,225Net interest income
  • $30,341Provision for loan and lease losses
  • $38,758Total noninterest income
  • $2Fiduciary activities
  • $18,084Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20,672Additional noninterest income
  • $89,580Total noninterest expense
  • $38,989Salaries and employee benefits
  • $11,391Premises and equipment expense
  • $39,200Additional noninterest expense
  • $34,062Pre-tax net operating income
  • $0Securities gains (losses)
  • $11,341Applicable income taxes
  • $22,721Income before extraordinary items
  • $0Extraordinary gains - net
  • $22,721Net income attributable to bank
  • $0Net charge-offs
  • $22,721Cash dividends
  • $29,761Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.79%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 7.20%Return on equity (ROE)
  • 7.20%Retained earnings to average equity (YTD only)
  • 1.56%Net charge-offs to loans
  • 101.95%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 57,486Assets per employee
  • 4.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 15.24%Noncurrent assets plus other real estate owned to assets
  • 11.85%Noncurrent loans to loans
  • 12.05%Net loans and leases to deposits
  • 72.42%Net loans and leases to core deposits
  • 78.21%Equity capital to assets
  • 11.01%Core capital (leverage) ratio
  • 10.62%Tier 1 risk-based capital ratio
  • 18.61%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $2,953,322Average earning assets
  • $315,689Average equity
  • $2,407,374Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $822Managed Assets
  • 1Number of Accounts
  • $822Personal trust and agency accounts
  • $822Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 16Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Alabama Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    153812Dothan Branch3299 Ross Clark Circle, Dothan, AL 36303August 13, 1887Full Service Brick and Mortar
    16207855Clayton Branch33 Eufaula Ave., Clayton, AL 36016March 16, 1983Full Service Brick and Mortar
    17207856Headland Branch208 Main Street, Headland, AL 36345December 03, 1984Full Service Brick and Mortar
    1836352Abbeville Branch204 Kirkland Street, Abbeville, AL 36310April 09, 1987Full Service Brick and Mortar
    19207859Eufaula Avenue Branch1140 S Eufaula Avenue, Eufaula, AL 36027November 06, 1991Full Service Brick and Mortar
    51469474Houston County, Al3299 Ross Clark Circle, Nw, Dothan, AL 36303June 01, 2007Limited Service Messenger
    60480107Dothan - Hwy 84 Ext Branch2200 E Main Street, Dothan, AL 36303July 21, 2008Full Service Brick and Mortar
  • 10 Florida Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    3061800Orange Park Branch1775 Eagle Harbor Parkway, Fleming Island, FL 32003November 22, 1999Full Service Brick and Mortar
    31362534Messenger Service Branch1775 Eagle Harbour Parkway, Orange Park, FL 32073December 08, 2000Limited Service Messenger
    32362973Blanding Boulevard Branch485 Blanding Boulevard, Orange Park, FL 32073Febuary 01, 2002Full Service Brick and Mortar
    3638670Citizens Bank Wakulla Branch2628 Crawfordville Highway, Crawfordville, FL 32326October 13, 1987Full Service Brick and Mortar
    376153Newberry Branch302 North Main Street, Trenton, FL 32693May 21, 1906Full Service Brick and Mortar
    4336380Tri-County Bank Branch530 East Wade Street, Trenton, FL 32693May 22, 1987Full Service Brick and Mortar
    53470784Royal Oaks Tallahassee Branch1989 Capital Circle Ne, Tallahassee, FL 32308December 17, 2007Full Service Brick and Mortar
    63480391Jacksonville Branch888 Lane Avenue South, Jacksonville, FL 32205July 14, 2008Full Service Brick and Mortar
    67491610Town Center BranchTown Center Parkway, Jacksonville, FL 32246June 01, 2009Full Service Brick and Mortar
    7640358First Bank Of Jacksonville Branch11100 San Jose Boulevard, Jacksonville, FL 32223August 28, 1989Full Service Brick and Mortar
  • 47 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    014145Ameris Bank225 South Main Street, Moultrie, GA 31768October 01, 1971Full Service Brick and Mortar
    110482Doerun Branch137 West Broad Avenue, Doerun, GA 31744May 01, 1944Full Service Brick and Mortar
    2251188Quitman Highway Branch1707 First Avenue, S.E., Moultrie, GA 31768August 10, 1992Full Service Brick and Mortar
    3251189Sunset Branch2513 South Main Street, Moultrie, GA 31768March 11, 1998Full Service Brick and Mortar
    410115Donalsonville Branch109 West Third Street, Donalsonville, GA 39845September 24, 1925Full Service Brick and Mortar
    65389Colquitt Branch162 East Crawford Street, Colquitt, GA 39837April 21, 1924Full Service Brick and Mortar
    711060Tifton Branch735 West Second Street, Tifton, GA 31794July 02, 1945Full Service Brick and Mortar
    811800South Irwin Avenue Branch300 South Irwin Avenue, Ocilla, GA 31774October 01, 1956Full Service Brick and Mortar
    913632Douglas Branch100 South Pearl Avenue, Douglas, GA 31533December 15, 1938Full Service Brick and Mortar
    105802Quitman Branch1000 West Screven Street, Quitman, GA 31643January 01, 1888Full Service Brick and Mortar
    12357657Valdosta Branch3140 Inner Perimeter Road, Valdosta, GA 31602August 01, 2000Full Service Brick and Mortar
    1345263Cordele Branch510 South Second Street, Cordele, GA 31015December 18, 1985Full Service Brick and Mortar
    14445437Cordele Drive Through Branch1302 16th Avenue East, Cordele, GA 31015May 12, 1993Full Service Brick and Mortar
    2147076Albany Branch2627 Dawson Road, Albany, GA 31707May 29, 1991Full Service Brick and Mortar
    22289590Leesburg Branch1607 U.S. Highway 19 South, Leesburg, GA 31763August 26, 1997Full Service Brick and Mortar
    2346169Brunswick Branch3440 Cypress Mill Road, Brunswick, GA 31520July 02, 1990Full Service Brick and Mortar
    24289148Saint Simons Island Branch3811 Frederica Road, Saint Simons Island, GA 31522September 01, 1995Full Service Brick and Mortar
    25358882Jekyll Island Branch531 North Beachview Drive, Jekyll Island, GA 31527October 25, 2000Full Service Brick and Mortar
    2640324Saint Mary's Branch2509 Osborne Road, Saint Marys, GA 31558July 10, 1989Full Service Brick and Mortar
    27262236Kingsland Branch1603 Highway 40 East, Kingsland, GA 31548March 01, 1995Full Service Brick and Mortar
    29446253North Glynn Branch5340 New Jesup Highway, Brunswick, GA 31523April 19, 2000Full Service Brick and Mortar
    33453848Douglas Branch901 Bowens Mill Road, Sw, Douglas, GA 31533July 17, 2006Full Service Brick and Mortar
    39218592Drive-In Branch40 Highway 84 East, Cairo, GA 39828April 05, 1971Limited Service Facility
    40457226Cairo Banking Company Branch201 South Broad Street, Cairo, GA 39828October 28, 2006Full Service Brick and Mortar
    417207Bank Of Thomas County Branch2484 East Pinetree Boulevard, Thomasville, GA 31799November 20, 1911Full Service Brick and Mortar
    52470783Messenger Service735 West Second Street, Tifton, GA 31794January 14, 2008Limited Service Messenger
    68491611Old Ocilla Road Branch1911 Old Ocilla Road, Tifton, GA 31794May 18, 2009Full Service Brick and Mortar
    7115497United Security Bank Branch9031 East Broad Street, Sparta, GA 31087September 12, 1932Full Service Brick and Mortar
    72364305Woodstock Branch8870 South Main Street, Woodstock, GA 30188July 01, 2002Full Service Brick and Mortar
    74419077Messenger Service Branch6308 Highway 40 East, Saint Marys, GA 31558November 20, 2001Limited Service Messenger
    75510332Messenger Service225 South Main Street, Moultrie, GA 31768July 06, 2010Limited Service Messenger
    779113Darby Bank & Trust Company Branch300 East First Street, Vidalia, GA 30474January 01, 1927Full Service Brick and Mortar
    78231756Lyons Branch182 West Liberty Street, Lyons, GA 30436September 19, 1996Full Service Brick and Mortar
    79231757Savannah Mall Boulevard Branch602 Mall Boulevard, Savannah, GA 31406September 09, 1996Full Service Brick and Mortar
    80231758Savannah Desoto Office300 Bull Street, Savannah, GA 31401June 15, 1998Full Service Brick and Mortar
    81433227Maple Drive Branch105 Maple Drive, Vidalia, GA 30474October 25, 2004Full Service Brick and Mortar
    82454317Pooler Branch145 Pooler Parkway, Pooler, GA 31322December 19, 2005Full Service Brick and Mortar
    83466426Whitemarsh Branch4673 Highway 80 E., Savannah, GA 31410April 02, 2007Full Service Brick and Mortar
    85514308Messenger Service5340 New Jesup Hwy, Brunswick, GA 31523October 26, 2010Limited Service Messenger
    8713354High Trust Bank Branch280 Country Club Drive, Stockbridge, GA 30281January 03, 1966Full Service Brick and Mortar
    88452387Leary Branch4411 East Main Street, Leary, GA 39862June 01, 2006Full Service Brick and Mortar
    89444131One Georgia Bank Branch1180 Peachtree Street, Ne, Suite 2610, Atlanta, GA 30309May 05, 2006Full Service Brick and Mortar
    903872Central Bank Of Georgia Branch285 South Broad Street, Ellaville, GA 31806September 16, 1910Full Service Brick and Mortar
    91365700Butler Branch101 South Broad Street, Butler, GA 31006December 01, 2000Full Service Brick and Mortar
    92441962Macon Branch4070 Forsyth Road, Macon, GA 31210June 28, 2005Full Service Brick and Mortar
    93465752Buena Vista Branch114 West 6th Avenue, Buena Vista, GA 31803June 15, 2007Full Service Brick and Mortar
    94472667Cusseta Branch377 Broad Street, Cusseta, GA 31805March 03, 2008Full Service Brick and Mortar
  • 15 South Carolina Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    4480035Beaufort Branch2348 Boundary Street, Beaufort, SC 29902July 09, 2001Full Service Brick and Mortar
    45458825Columbia Branch1301 Gervais Street, Suite 700, Columbia, SC 29201Febuary 05, 2007Full Service Brick and Mortar
    47469469Hilton Head BranchTwo Park Lane, Suite 200, Hilton Head, SC 29928August 01, 2007Full Service Brick and Mortar
    48469471Messenger Service49 Archdale Street, Charleston, SC 29401June 01, 2007Limited Service Messenger
    49469472Richland & Lexington County, Sc1301 Gervais Street, Columbia, SC 29207June 01, 2007Limited Service Messenger
    55474333Mount Pleasant Branch966 C Houston Northcutt Bouelvard, Mount Pleasant, SC 29464May 12, 2008Full Service Brick and Mortar
    56474334Summerville Branch1708 Old Trolley Road, Suite C, Summerville, SC 29485May 05, 2008Full Service Brick and Mortar
    57478323Greenville, Sc Branch1614 Woodruff Road, Greenville, SC 29607June 30, 2008Full Service Brick and Mortar
    59478848Messenger Service1614 Woodruff Road, Greenville, SC 29607June 30, 2008Limited Service Messenger
    62480390Murrells Inlet Messenger Service2955 Highway 17 Bypass, Suite C, Murrells Inlet, SC 29576July 07, 2008Limited Service Messenger
    64480392Charleston Branch834 Savannah Highway, Charleston, SC 29407July 16, 2008Full Service Brick and Mortar
    65489875Irmo Branch1200 Lake Murray Boulevard, Irmo, SC 29063October 23, 2008Full Service Brick and Mortar
    66489876Lexington Branch701 West Main Street, Lexington, SC 29072January 12, 2009Full Service Brick and Mortar
    69493975Ameris - Magnolia Branch108 Magnolia Road, Charleston, SC 29407August 03, 2009Limited Service Facility
    86514309Messenger Service701 West Main Street, Lexington, SC 29072November 22, 2010Limited Service Messenger

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