ABCB Stock Cash Flow Statements

Ameris Bancorp Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Ameris Bancorp Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30

operating activities
net income	109,834,000	87,935,000	94,376,000	99,212,000	90,785,000	74,312,000	65,934,000	80,115,000	62,635,000	60,421,000	82,221,000	92,555,000	90,066,000	81,698,000	81,944,000	81,680,000	88,327,000	124,962,000	94,285,000	116,145,000	32,236,000	19,322,000	61,248,000	21,384,000	38,904,000	39,905,000	43,536,000	41,444,000	9,387,000	26,660,000	9,150,000	20,158,000	23,087,000	21,153,000	18,177,000	21,557,000	20,049,000	12,317,000	15,627,000	1,308,000	9,764,000	10,580,000	11,663,000	8,130,000	8,350,000	1,378,000	6,677,000	4,672,000	1,903,000	2,495,000	5,365,000	1,141,000	16,460,000	2,114,000	1,378,000	1,863,000	-899,000	-3,419,000	-1,534,000	3,788,000	3,085,000	3,042,000	3,186,000	3,587,000	2,844,000
adjustments reconciling net income to net cash from operating activities:
depreciation, amortization and accretion	8,118,000	8,358,000
net (gains) losses on sale or disposal of premises and equipment	3,000	-124,000												37,000																								-77,000			89,000				-18,000
benefit from credit losses	2,772,000	21,892,000	12,808,000	6,107,000	18,773,000	21,105,000	22,952,000	24,459,000	45,516,000	49,729,000	32,890,000	17,652,000	14,924,000	6,231,000	2,759,000	-9,675,000	142,000	-28,591,000	-1,510,000	17,682,000	88,161,000	41,047,000
net write-downs and (gains) losses on sale of other real estate owned	-37,000	-9,000	552,000	5,000	152,000	-177,000	2,000	-1,634,000	86,000	-49,000	0	-15,000	-299,000	-1,459,000		-23,000	2,000	-560,000
share-based compensation expense	3,176,000	3,276,000	4,111,000	3,687,000	2,508,000	3,134,000	2,535,000	2,986,000	2,232,000	2,197,000	1,847,000	1,814,000	1,546,000	1,499,000	2,064,000	2,430,000	1,701,000	1,753,000	1,102,000	1,008,000	1,141,000	559,000	974,000	936,000	362,000	1,152,000	808,000	1,282,000	2,710,000	1,441,000	897,000	922,000	824,000	673,000
amortization of operating lease right of use assets	2,328,000	2,276,000	2,342,000	2,551,000	2,431,000	2,606,000	2,923,000	2,768,000	2,800,000	2,872,000	3,856,000	3,033,000	2,846,000	2,904,000	3,350,000	6,523,000	2,887,000	2,979,000
benefit from deferred taxes	-636,000	-2,443,000	3,381,000	-12,807,000	-10,008,000	-644,000	-7,086,000	-2,875,000	-7,700,000	-2,807,000	-13,978,000	-32,204,000	4,070,000	6,435,000	6,337,000	5,586,000	13,569,000	12,919,000	20,723,000	3,892,000	-25,211,000	-7,333,000	10,737,000	8,122,000	999,000	2,963,000	351,000	2,471,000	-3,880,000	2,432,000	13,392,000	819,000	-1,201,000	-580,000																		168,000				-6,621,000
net gain on securities											-3,000				4,000					0						-66,000	-1,000	-48,000
originations of mortgage loans held for sale	-1,192,604,000	-894,848,000	-1,182,827,000	-1,122,258,000	-1,256,797,000	-858,557,000	-801,766,000	-978,908,000	-1,085,263,000	-754,727,000	-684,486,000	-858,880,000	-1,185,539,000	-1,220,771,000	-1,549,150,000	-1,805,866,000	-2,084,573,000	-2,340,847,000	-2,575,272,000	-2,692,812,000	-2,547,243,000	-1,252,379,000	-1,415,241,000	-1,577,641,000	-502,232,000	-296,197,000	-407,425,000	-479,025,000	-524,446,000	-358,038,000	-389,126,000	-401,790,000	-399,585,000	-311,813,000	-352,142,000	-410,145,000	-375,080,000	-266,587,000	-311,888,000	-286,328,000	-186,332,000	-182,926,000
payments received on mortgage loans held for sale	8,985,000	5,204,000	7,759,000	5,500,000	5,053,000	2,167,000	3,463,000	3,177,000	4,968,000	3,661,000	1,667,000	1,911,000	9,241,000	10,505,000	15,135,000	13,701,000	13,797,000	10,680,000	4,744,000	4,070,000	19,892,000	14,957,000	13,007,000	3,950,000	294,000	194,000	146,000	67,000	406,000	367,000	439,000	253,000	116,000	430,000	223,000	523,000
proceeds from sales of mortgage loans held for sale	1,188,183,000	882,909,000	1,198,763,000	1,146,261,000	1,055,791,000	778,499,000	892,303,000	976,779,000	1,077,544,000	748,633,000	574,070,000	1,086,050,000	1,368,887,000	1,464,735,000	1,707,108,000	1,553,957,000	2,381,595,000	1,816,503,000	2,976,177,000	3,164,000,000	2,194,165,000	1,530,122,000	959,691,000	914,723,000	440,403,000	305,473,000	354,262,000	410,277,000	400,468,000	377,748,000	408,177,000	347,576,000	320,210,000	294,045,000	357,770,000	369,468,000	333,408,000	280,022,000	298,939,000	254,016,000	195,554,000	198,226,000
net gains on mortgage loans held for sale	-8,741,000	-10,422,000													-25,889,000	-41,541,000	-43,272,000	-41,720,000
originations of sba loans	-14,659,000	-8,112,000	-22,982,000	-459,000	-1,826,000	-3,538,000	-3,158,000	-1,746,000	-13,633,000	-8,873,000	-1,815,000	-13,871,000	-16,751,000	-14,042,000	-16,710,000	-6,898,000	-32,281,000	-11,976,000	7,143,000	-75,565,000	-16,948,000	-11,647,000	-19,314,000	11,070,000	-23,676,000	-9,515,000	-9,788,000	-1,786,000	-9,078,000	-7,168,000	-7,384,000	15,612,000	-22,329,000	-19,003,000	-12,050,000	-24,383,000	-15,945,000	-17,134,000	-14,432,000	-9,499,000	-17,185,000
proceeds from sales of sba loans	15,497,000	8,638,000	27,309,000	594,000	2,664,000	2,432,000	3,333,000	2,157,000	19,324,000	5,648,000	3,210,000	13,675,000	19,825,000	20,461,000	16,749,000	13,844,000	28,499,000	12,518,000	9,927,000	64,217,000	15,090,000	20,062,000	23,215,000	12,695,000	18,082,000	11,870,000	6,400,000	6,237,000	10,541,000	10,497,000	6,744,000	3,543,000	15,809,000	4,600,000	6,612,000	3,589,000	4,767,000	13,300,000	8,842,000	12,376,000	8,163,000
net gains on sale of sba loans	-838,000	-526,000		-33,000	-212,000	-223,000		-151,000	-1,056,000	-175,000		-1,707,000	-1,159,000	-2,325,000		-1,606,000	-2,261,000	-1,192,000		-3,636,000	-790,000	-1,824,000		-1,744,000	-1,363,000	-1,113,000		-406,000	-922,000	-918,000		-699,000	-1,317,000	-1,407,000		-1,309,000	-659,000	-1,086,000	-868,000	-1,381,000	-909,000
increase in cash surrender value of bank owned life insurance	-3,491,000	-3,297,000	-3,782,000	-3,789,000	-2,159,000	-2,568,000	-2,009,000	-2,286,000	-2,282,000	-2,200,000	-1,872,000	-1,717,000	-1,948,000	-1,768,000	-1,757,000	-1,550,000	-1,264,000	-814,000	-862,000	-892,000	-907,000	-969,000	-831,000	-893,000	-467,000	-501,000	-508,000	-529,000	-416,000	-366,000
gain on bank owned life insurance proceeds	0	-12,000	0	0	-466,000	-998,000	0	0	0	-486,000	0				0	0	0	-603,000	0	-103,000			752,000
gain on sale of mortgage servicing rights	-356,000	14,000	-536,000	-5,245,000
gain on debt redemption			1,059,000	0	0	-169,000	0	-121,000
change attributable to other operating activities	-56,162,000	16,183,000	-38,168,000	-5,708,000	16,771,000	1,609,000	9,000,000	14,106,000	-22,725,000	21,776,000	-5,702,000	25,291,000	-7,693,000	-16,887,000	-997,000	14,607,000	234,000	-13,597,000	17,128,000	-62,143,000	-11,958,000	-40,757,000	36,959,000	352,000	-1,715,000	5,670,000	-493,000	-13,124,000	7,527,000	-4,671,000	-2,036,000	-6,243,000	-9,432,000	28,606,000	-14,961,000	-2,502,000	13,281,000	-946,000	6,947,000	7,513,000	170,000	1,419,000	-3,900,000
net cash from operating activities	61,372,000	116,852,000	130,503,000	102,172,000	-97,062,000	18,580,000	212,891,000	131,904,000	92,463,000	131,701,000	-316,000	348,921,000	353,445,000	360,423,000	266,693,000	-165,326,000	372,382,000	-464,609,000	419,034,000	405,614,000	-327,241,000	300,989,000	-352,908,000	-616,179,000	-30,801,000	59,677,000	-15,267,000	-38,071,000	-103,962,000	48,497,000	33,121,000	-27,355,000	-81,581,000	13,253,000	-7,517,000	-46,209,000	-29,520,000	13,479,000	-725,000	-29,552,000	12,288,000	-703,000	-20,800,000	-16,338,000	32,245,000	135,000	9,808,000	3,296,000	3,919,000	17,302,000	7,722,000	10,528,000	25,781,000	603,000	9,254,000	-8,960,000	32,385,000	12,717,000	8,868,000	9,806,000	9,603,000	-4,454,000	5,710,000	6,139,000	3,552,000
investing activities
purchases of debt securities available-for-sale	-200,694,000	-274,582,000		-184,275,000	-180,848,000	-58,809,000
purchases of debt securities held-to-maturity	-3,935,000	-9,979,000		-13,349,000	-2,536,000	-6,321,000		0
proceeds from maturities and paydowns of debt securities available-for-sale	283,230,000	24,355,000		304,239,000	66,479,000	42,835,000		24,373,000
proceeds from maturities and paydowns of debt securities held-to-maturity	1,276,000	952,000		710,000	1,058,000	860,000		702,000
net increase in other investments					-6,975,000	-6,087,000	33,201,000	4,328,000	36,688,000	-36,105,000	-50,595,000	-11,241,000	-1,000	-2,122,000			0	570,000		27,624,000	5,315,000	-14,844,000		-26,987,000	-17,255,000	-694,000				-13,809,000		-5,482,000	-6,545,000	-642,000
net increase in loans			205,377,000	-61,458,000	-408,468,000	-345,953,000	-84,973,000	253,127,000	-500,541,000	-153,072,000	-580,351,000	-1,231,230,000	-1,328,517,000	-205,189,000	-350,948,000	3,821,000	-147,017,000	-72,093,000	296,538,000	-437,701,000	-1,327,831,000	-264,063,000
purchases of premises and equipment	-7,650,000	-2,687,000	-4,357,000	-2,408,000	-3,275,000	-3,437,000	-5,851,000	-3,799,000	-4,623,000	-3,258,000	-2,261,000	-3,115,000	-4,642,000	-3,550,000	-3,458,000	-4,794,000	-3,387,000	-13,809,000	-3,952,000	-4,897,000	-5,695,000	-3,572,000	-5,657,000	-1,314,000	-3,060,000	-1,550,000	-2,674,000	-4,269,000	-1,933,000	-1,133,000	-744,000	-643,000	-1,154,000	-1,219,000	-2,727,000	-1,372,000	-3,184,000	-3,694,000	-4,462,000	-3,596,000	-2,999,000		-1,556,000	-1,759,000	-464,000		-2,019,000		-1,898,000	-3,669,000	-1,075,000		-7,114,000	-1,422,000	-1,037,000		-392,000	-1,648,000	-352,000
proceeds from sale of premises and equipment	0	150,000	0	7,000	29,000	214,000	3,883,000	23,000			0	0			965,000	47,000	16,000	930,000
proceeds from sales of other real estate owned	802,000	2,746,000	7,122,000	263,000	579,000	6,661,000	1,899,000	6,801,000	913,000	1,042,000	0	124,000	1,438,000	3,524,000	1,649,000	2,239,000	3,854,000	4,048,000	6,282,000	4,608,000	1,885,000	1,284,000	2,692,000	2,594,000	2,244,000	2,610,000	4,323,000	1,586,000	2,769,000	3,106,000	2,931,000	4,454,000	2,967,000	4,568,000	4,154,000	8,511,000	5,321,000	4,497,000	5,769,000	18,351,000	9,340,000		14,493,000	8,488,000	8,932,000		16,736,000		23,523,000	17,624,000	16,296,000		15,524,000	12,055,000	9,306,000		13,301,000	11,730,000	4,253,000
proceeds from sale of mortgage servicing rights			0	51,359,000							0
proceeds from bank owned life insurance	0	56,900,000	0	52,483,000			0	0	0	1,890,000	0				0	0	0	1,309,000	0	401,000			-749,000
net cash from investing activities	-277,110,000	-184,851,000	-46,256,000	70,023,000	-500,412,000	-370,037,000	4,122,000	285,271,000	-458,092,000	-169,495,000	-1,348,594,000	-1,395,014,000	-1,925,895,000	-205,027,000	-480,217,000	55,658,000	-196,049,000	199,624,000	509,279,000	-292,199,000	-1,212,974,000	-204,832,000	92,943,000	98,001,000	-666,423,000	-11,608,000	106,080,000	31,317,000	-32,404,000	-158,307,000	-132,184,000	-229,193,000	-281,099,000	-24,431,000	-403,484,000	-168,539,000	-129,996,000	-100,846,000	6,384,000	114,389,000	-119,800,000	-19,810,000	-1,763,000	3,572,000	161,832,000	-106,463,000	-12,883,000	-32,694,000	124,039,000	108,195,000	215,009,000	13,716,000	160,509,000	44,675,000	59,605,000	150,985,000	-56,890,000	-22,622,000	48,997,000	-32,986,000	-8,980,000	-15,698,000	-4,930,000	35,415,000	-5,800,000
financing activities
net increase in deposits	20,266,000	189,961,000	-156,817,000	435,122,000	446,753,000	288,881,000	118,164,000	147,220,000	545,670,000	434,717,000	-4,181,000	-218,063,000	96,541,000	-77,112,000	832,355,000	575,492,000	382,124,000	918,050,000	894,017,000	473,988,000	1,747,314,000	-182,455,000	367,479,000			151,562,000	463,167,000	418,745,000	150,819,000	-179,680,000	730,341,000						-51,255,000	-49,863,000	18,486,000	-21,253,000	49,082,000				11,416,000						-187,242,000				37,263,000
proceeds from other borrowings	1,575,000,000	1,040,000,000	1,865,000,000	1,090,000,000	2,370,000,000	983,000,000	2,005,000,000	3,212,000,000	3,970,000,000	6,655,000,000	3,600,000,000								149,832,000	2,308,149,000	1,975,000,000	2,770,000,000	2,267,572,000	2,554,000,000			0	380,000,000	695,000,000	455,000,000	150,000,000						149,700,000	23,000,000				1,500,000	60,000,000	27,500,000	29,963,000	170,000,000
repayment of other borrowings	-1,475,059,000	-1,055,060,000	-1,920,786,000	-1,690,036,000	-2,055,036,000	-861,105,000	-2,705,036,000	-3,539,386,000	-4,833,387,000	-6,130,036,000	-2,450,037,000	-50,036,000	-36,000	-314,467,000	-296,215,000	-36,000	-38,000	-36,000	-600,036,000	-2,851,288,000	-2,100,083,000	-2,625,084,000	-2,220,082,000	-1,919,088,000	-1,841,000	-338,000	-505,341,000	-585,338,000	-603,527,000	-150,052,000	-708,051,000								0	-4,851,000	-35,030,000	-70,028,000	-13,027,000	-9,005,000	-165,000,000						-26,524,000				-43,495,000
dividends paid - common stock	-13,749,000	-14,133,000	-10,320,000	-10,319,000	-10,344,000	-10,477,000	-10,341,000	-10,337,000	-10,387,000	-10,584,000	-10,383,000	-10,384,000	-10,398,000	-10,445,000	-10,444,000	-10,466,000	-10,456,000	-10,432,000	-10,423,000	-10,421,000	-10,415,000	-10,426,000	-10,438,000	-4,726,000	-4,760,000	-4,751,000	-4,750,000	-4,097,000	-3,832,000	-3,726,000	-3,723,000
purchase of treasury shares	-12,850,000	-20,746,000	-103,000	0	-2,957,000	-4,894,000	-3,269,000	-29,000	-7,990,000	-9,058,000	0	-139,000	-5,048,000	-17,234,000	-1,331,000	-6,652,000	0	-1,456,000	-7,000	-15,000	-17,000	-7,956,000	-6,849,000	0	-10,563,000	-998,000	0	-1,077,000	-25,000	-960,000	0						-623,000	-588,000	-1,000	-80,000	-651,000	-42,000	0	-166,000	-266,000	0	0
net cash from financing activities	93,608,000	140,022,000	-223,026,000	-175,233,000	748,416,000	395,405,000	-595,482,000	-190,532,000	-336,094,000	940,515,000	1,135,874,000	70,425,000	80,826,000	-421,593,000	525,741,000	557,584,000	369,063,000	906,807,000	437,202,000	-83,083,000	1,609,518,000	-65,850,000	402,125,000	659,712,000	178,379,000	129,404,000	-40,543,000	211,302,000	226,200,000	114,027,000	185,806,000								-6,676,000	-49,566,000	109,618,000	29,128,000	10,998,000	22,365,000	-185,645,000	115,767,000	6,248,000	52,365,000	-130,795,000	-130,334,000	-223,296,000	-14,477,000	-199,081,000	-65,112,000	-54,799,000	-111,513,000	13,876,000	-4,503,000	-70,074,000	29,926,000	22,179,000	-9,211,000	-5,480,000	28,206,000	-19,988,000
net increase in cash and cash equivalents	-122,130,000	72,023,000		-3,038,000	150,942,000	43,948,000										447,916,000	545,396,000	641,822,000	1,365,515,000	30,332,000	69,303,000	30,307,000	142,160,000	141,534,000	-518,845,000	177,473,000	50,270,000	204,548,000	89,834,000	4,217,000	86,743,000
cash and cash equivalents at beginning of period	0	1,220,377,000		0	0	1,167,304,000										0	0	2,117,306,000	0	0	0	621,849,000	0	0	0	679,527,000	0	0	0	330,658,000	0
cash and cash equivalents at end of period	-122,130,000	1,292,400,000		-3,038,000	150,942,000	1,211,252,000										447,916,000	545,396,000	2,759,128,000	1,365,515,000	30,332,000	69,303,000	652,156,000	142,160,000	141,534,000	-518,845,000	857,000,000	50,270,000	204,548,000	89,834,000	334,875,000	86,743,000
supplemental disclosures of cash flow information
cash paid during the period for:
interest	116,494,000	112,409,000	131,947,000	140,272,000	138,020,000	130,031,000	127,473,000	108,895,000	105,488,000	76,589,000	44,603,000	18,568,000	14,450,000	9,022,000	13,571,000	9,404,000	14,650,000	11,335,000	16,081,000	17,980,000	25,491,000	35,234,000	38,307,000	35,816,000	25,509,000	25,741,000	21,988,000	22,322,000	11,611,000	11,602,000	9,096,000								3,886,000	3,479,000	3,741,000	3,894,000	4,033,000	3,277,000	3,463,000	2,098,000	2,469,000	3,083,000	3,771,000	4,830,000	5,098,000
income taxes	98,370,000	209,000	4,937,000	41,514,000	55,662,000	398,000	12,975,000	26,167,000	62,187,000	-1,000	51,343,000	30,700,000	51,647,000	204,000	16,156,000	24,727,000	30,925,000	-1,000	42,238,000	48,437,000	8,011,000	-77,000	3,769,000	10,719,000	21,328,000	49,000	9,774,000	6,234,000	4,016,000	2,000	10,727,000								80,000	2,444,000	215,000	4,273,000	9,425,000			5,621,000	2,948,000	2,511,000	4,000
loans transferred to other real estate owned	1,727,000	1,167,000	625,000	7,537,000	786,000	2,443,000	4,703,000	2,394,000	5,667,000	1,652,000	0	117,000	64,000	165,000	1,984,000	1,035,000	790,000	449,000	527,000	-1,294,000	4,491,000	3,674,000																							7,547,000	3,916,000	8,215,000
loans transferred from loans held for sale to loans held for investment	5,512,000	348,000	-1,280,000	7,899,000	1,970,000	6,088,000		3,432,000	-360,000	5,734,000	4,466,000	24,698,000	96,000,000	71,727,000	35,494,000	49,193,000	37,435,000	48,313,000	61,115,000	49,132,000							0	-169,933,000	107,376,000	73,374,000	47,498,000
right-of-use assets obtained in exchange for new operating lease liabilities	1,994,000	369,000	3,018,000	94,000	1,394,000	982,000	149,000	656,000	80,000	1,942,000	5,689,000	0	0	1,537,000	2,522,000	7,338,000			43,067,000	2,196,000	5,955,000	2,889,000	5,754,000	0
change in unrealized loss on securities available-for-sale, net of tax	7,544,000	15,689,000		22,296,000	1,939,000	-4,020,000		-10,200,000	-15,037,000	10,926,000
net (gain) loss on securities		-40,000	16,000	8,000	-12,335,000	7,000				-6,000												9,000		-4,000
net decrease (increase) in other investments		292,000																									21,475,000	2,869,000
net decrease (increase) in loans		17,002,000
cash paid (received) during the period for:
adjustments to reconcile net income to net cash from operating activities:
net write-downs on premises and equipment
loan servicing asset impairment														-9,654,000	-4,540,000	1,398,000	-749,000	-10,639,000	9,501,000	327,000	8,074,000	22,165,000
net (gains) losses on mortgage loans held for sale			1,764,000
net gains on sales of sba loans
increase in interest receivable
increase in interest payable
increase in taxes payable
investing activities, net of effects of business combinations
purchases of securities available-for-sale											-278,063,000	-280,545,000	-598,048,000	-15,667,000
purchases of securities held-to-maturity
proceeds from prepayments and maturities of securities available-for-sale
proceeds from prepayments and maturities of securities held-to-maturity
proceeds from sale of securities available-for-sale
purchase of loan pool
purchase of bank owned life insurance																																														0	0
net cash proceeds paid in acquisitions																													73,437,000	-21,421,000
financing activities, net of effects of business combinations
net decrease in securities sold under agreements to repurchase											0	-953,000	-1,112,000	-3,780,000	1,343,000	-1,042,000	-3,776,000	-2,321,000	2,538,000	-3,776,000	-2,281,000	-5,475,000	2,891,000	-7,908,000	-952,000	-16,125,000	6,313,000	3,069,000	-12,268,000	-7,368,000							-6,602,000	-19,844,000	-23,560,000	-22,042,000	-17,790,000		-18,758,000	-4,293,000	-33,542,000		1,113,000		-2,396,000	-8,990,000	-8,875,000		-3,956,000
proceeds from exercise of stock options							0	0	0	476,000	475,000	0	879,000	1,445,000	33,000	288,000	1,209,000	3,002,000	1,281,000	280,000	0	701,000	1,552,000	3,533,000	0	54,000	68,000	0	33,000	813,000	757,000						337,000	77,000	8,000	270,000	728,000	47,000	39,000	303,000	70,000	0	167,000	-1,000	1,000	1,000	2,000				10,000
net increase in cash, cash equivalents and restricted cash							-378,469,000	226,643,000	-701,723,000	902,721,000	-213,036,000	-975,668,000	-1,491,624,000	-266,197,000
cash, cash equivalents and restricted cash at beginning of period							0	0	0	1,118,132,000	0	0	0	4,064,657,000
cash, cash equivalents and restricted cash at end of period							-378,469,000	226,643,000	-701,723,000	2,020,853,000	-213,036,000	-975,668,000	-1,491,624,000	3,798,460,000
cash paid during the year for:
loans provided for the sales of other real estate owned											0	0			0	0			175,000	293,000	0	299,000	0	0	69,000	75,000	878,000	0			0								3,048,000	375,000	1,573,000
assets acquired in business combination
liabilities assumed in business combination
change in unrealized gain on securities available-for-sale, net of tax													-10,794,000	-17,431,000	-6,295,000	-3,139,000
depreciation				4,703,000	4,798,000	4,842,000	4,852,000	4,851,000	4,761,000	4,648,000	4,608,000	4,617,000	4,638,000	4,553,000	4,361,000	4,638,000	4,146,000	4,080,000	3,916,000	3,920,000	4,007,000	3,916,000	4,043,000	3,785,000	2,669,000	2,623,000	2,655,000	2,813,000	2,272,000	2,274,000	2,278,000	2,269,000	2,308,000	2,341,000	2,478,000	2,410,000	1,908,000	2,723,000	2,554,000	2,012,000	1,938,000	792,000	2,141,000	1,838,000	1,871,000		1,215,000		1,254,000	1,188,000	1,143,000		1,080,000	1,056,000	1,112,000		791,000	799,000	943,000		460,000	463,000	415,000		418,000
net incomees on sale or disposal of premises and equipment				22,000	-6,000	15,000		23,000	59,000	15,000	64,000	53,000					781,000	139,000														91,000				-462,000
amortization of intangible assets				4,180,000	4,407,000	4,422,000	4,425,000	4,425,000	4,688,000	4,706,000	4,709,000	4,710,000	5,144,000	5,181,000	3,387,000	3,387,000	4,065,000	4,126,000	4,190,000	4,190,000	5,601,000	5,631,000	5,741,000	5,719,000	3,121,000	3,132,000	3,650,000	2,676,000	2,252,000	934,000	942,000	941,000	1,013,000	1,036,000	1,044,000	993,000	1,319,000	1,020,000	1,321,000	630,000	630,000	662,000	698,000	438,000	532,000	346,000	346,000	363,000	364,000	412,000	220,000	229,000	277,000	217,000	288,000	273,000	269,000	235,000	222,000	197,000	197,000	198,000	197,000	265,000	256,000
net accretion of debt securities available-for-sale				-850,000	-1,352,000	-924,000
net accretion of debt securities held-to-maturity				-43,000	-38,000	-49,000
net amortization of other investments				254,000	177,000	394,000	-17,000	355,000	365,000	388,000	166,000	160,000	144,000	252,000
net amortization (accretion) of fair value marks on purchased loans				415,000
net amortization on other borrowings				69,000	69,000	68,000	69,000	71,000	76,000	627,000	109,000	108,000	108,000	108,000	108,000	108,000	110,000	112,000
amortization of subordinated deferrable interest debentures				499,000	498,000	499,000	498,000	498,000	499,000	498,000	499,000	498,000	498,000	499,000	498,000	499,000	498,000	488,000												331,000	330,000	331,000	330,000	331,000	330,000
proceeds from sales of debt securities available-for-sale
net decrease in other investments
purchases of bank owned life insurance												0				0
accretion of discount on purchased loans						184,000	451,000	-897,000	-44,000	-420,000	315,000	597,000	379,000	-1,006,000	-2,812,000	-2,948,000	-4,462,000	-6,127,000	-4,688,000	-6,525,000	-9,818,000	-6,320,000	-9,752,000	-4,378,000	-3,145,000	-2,980,000	-3,835,000	-3,743,000	-2,769,000	-1,571,000	-2,285,000	-2,858,000	-3,068,000	-3,097,000
net gains on sale of mortgage loans held for sale						-9,868,000														-141,053,000	-88,641,000	-40,809,000		-25,383,000	-15,738,000	-11,484,000		-11,376,000	-10,101,000	-6,759,000		-13,432,000	-13,819,000	-9,200,000		-15,993,000	-14,537,000	-11,405,000	-12,183,000
net write-downs on other assets															0	111,000	27,000	122,000	349,000	276,000	673,000	417,000	1,851,000	779,000	3,009,000	571,000
net amortization of debt securities available-for-sale							-1,300,000	-1,482,000
net amortization of debt securities held-to-maturity							-51,000	-48,000
gains on sale of other loans held for sale
proceeds from maturities of time deposits in other banks															0	0							250,000	249,000	6,623,000	3,441,000
payments received on other loans held for sale															0	0	0	9,136,000
proceeds from sales of other loans held for sale															0	0	0	156,803,000
loan servicing asset recovery												-1,332,000
net incomees on sale of mortgage loans held for sale
loss on sale of mortgage servicing rights
net cash paid in acquisitions												0	-766,000	-13,237,000
assets acquired in business acquisitions												-93,000	711,000	10,023,000										5,186,601,000	-962,000	1,335,000		1,659,000	2,975,216,000	82,981,000
liabilities assumed in business acquisitions												-93,000	-55,000	-3,214,000										4,319,583,000	-1,130,000	-792,000		1,616,000	2,403,132,000	5,705,000
net (gains) losses on sale of mortgage loans held for sale									2,100,000	-2,919,000		5,802,000	55,381,000	22,792,000
net amortization of investment securities available-for-sale										-1,417,000		-181,000	196,000	392,000		549,000
net amortization of investment securities held-to-maturity										-39,000		20,000	25,000	26,000		13,000
purchases of investment securities held-to-maturity												-18,894,000	-21,181,000	-12,036,000		-35,461,000
proceeds from maturities and paydowns of securities available-for-sale										19,280,000		29,627,000	74,820,000	42,844,000
proceeds from maturities and paydowns of securities held-to-maturity										728,000		314,000	956,000	406,000
security purchases settled in a subsequent period														-36,216,000
loss on sale of loans																							-721,000
changes in fdic loss-share receivable/payable, net of cash payments received																															1,031,000	525,000	714,000	735,000	1,521,000	6,244,000
payments paid to fdic under loss-sharing agreements
proceeds from sales of loans																							60,925,000
net cash proceeds received from (paid in) acquisitions
repayment of subordinated deferrable interest debentures																			0	0	0	-5,155,000
loans transferred from loans held for investment to loans held for sale																			132,562,000				6,739,000	-63,219,000			0	6,035,000	0	2,796,000
change in unrealized gain on cash flow hedge, net of tax																			0	133,000	111,000	-97,000	-29,000	-58,000	-239,000	-173,000	-182,000	0	13,000	281,000	154,000
net gains on other loans held for sale																0	0	-457,000
net income on securities														27,000				12,000
net write-downs and losses on sale of other real estate owned																																			109,000	-151,000	497,000	1,498,000	2,414,000	7,945,000	1,834,000
purchase of acquired formerly serviced portfolio
initial recognition of operating lease right-of-use assets																							0	0	0	27,286,000
initial recognition of operating lease liabilities																							0	0	0	29,651,000
issuance of common stock in acquisition
changes in fdic loss-share payable, net of cash payments																				785,000	944,000	-1,506,000		264,000	2,290,000	1,141,000
payments paid to fdic under loss-share agreements																				-212,000	-152,000	-25,000		-1,370,000	-528,000	-1,794,000		-188,000	-684,000	-333,000
net cash received from acquisitions
net amortization of investment securities available for sale																		1,121,000	1,451,000	1,770,000	1,547,000	1,385,000	1,611,000	1,416,000	834,000	819,000	982,000	1,013,000	1,301,000	1,595,000	1,569,000	1,614,000	1,504,000	1,697,000	1,971,000	1,973,000	1,672,000	1,441,000	1,728,000	1,511,000	1,158,000	1,057,000	1,084,000
proceeds from prepayments and maturities of securities available for sale																		112,730,000	128,318,000	117,966,000	112,534,000	76,386,000	89,411,000	77,352,000	55,466,000	43,942,000	40,274,000	42,171,000	35,978,000	33,970,000	30,130,000	30,067,000
change in unrealized gain on securities available for sale, net of tax																		-7,415,000	-3,746,000	-2,494,000	-50,000	21,653,000	2,542,000	-922,000	17,879,000	3,821,000	12,324,000	-4,005,000	-2,153,000	-9,432,000	-4,675,000								1,752,000
purchases of securities available for sale																							0	0	-72,478,000	-146,874,000	-55,938,000	-79,235,000	-33,611,000	-121,865,000
proceeds from sale of securities available for sale
assets acquired in business combinations
liabilities assumed in business combinations
issuance of common stock in acquisitions																							0				0	0	497,116,000	50,011,000												0	0
net (gains) losses on sale or disposal of premises and equipment including write-downs
net incomees on sale of other real estate owned including write-downs																				-158,000	-12,000	885,000		74,000	75,000	9,000
amortization of operating lease right-of-use assets																				5,809,000	3,199,000	3,400,000		4,116,000	1,482,000	1,547,000
accretion on other borrowings																				58,000	48,000	46,000		-8,000	23,000	18,000		33,000
accretion on subordinated deferrable interest debentures																				485,000	485,000	485,000		486,000	342,000	342,000		340,000
proceeds from sales of securities available for sale																								0	0	64,995,000		22,290,000	9,752,000	36,685,000		0				6,295,000	5,167,000	41,564,000	39,095,000	24,995,000	5,118,000		23,207,000	869,000	68,899,000		5,329,000		-1,360,000	28,163,000	760,000		49,957,000	15,885,000	23,503,000		0	0	6,145,000		0				0
proceeds from sales of premises and equipment																				12,000				4,568,000	487,000	275,000		69,000	80,000	427,000						46,000	30,000	131,000	65,000	44,000	173,000		1,157,000	1,000	55,000		-39,000		63,000	41,000	305,000		10,000	761,000	344,000		130,000	812,000	772,000
net cash received in acquisitions																				0	-2,419,000	2,000
net incomees on sale or disposal of premises and equipment including write-downs																					-117,000	125,000		89,000	-278,000	348,000		-13,000	-492,000	583,000
net incomees (gains) on sale or disposal of premises and equipment																																		295,000
benefit from loan losses																							5,693,000	5,989,000	4,668,000	3,408,000	3,661,000	2,095,000	9,110,000	1,801,000	2,536,000	1,787,000	2,205,000	1,836,000	1,710,000	811,000	889,000	681,000	986,000	2,656,000	1,069,000	888,000	1,669,000	1,365,000	1,726,000	1,478,000	2,920,000	4,442,000	6,540,000	7,225,000	12,882,000	9,019,000	7,552,000	9,115,000	7,043,000	11,404,000	9,739,000	18,608,000	10,770,000	-30,000	878,000	627,000	311,000	902,000	1,061,000
amortization of premium on purchased loan pools																							300,000	304,000	325,000	348,000	352,000	457,000	505,000	511,000	600,000	834,000	961,000	1,148,000
net amortization (accretion) on other borrowings
net increase in loans, excluding purchased loans																							-363,037,000	-690,786,000	-778,887,000	-101,360,000	-32,643,000	-75,938,000	-227,512,000	-134,063,000	-229,861,000	-286,835,000	-382,032,000	-117,681,000
payments received on purchased loans																							396,774,000	373,613,000	128,577,000	116,834,000	121,316,000	100,183,000	64,756,000	43,971,000	55,437,000	35,317,000	56,655,000	63,061,000
payments received on purchased loan pools																							15,624,000	11,561,000	12,388,000	8,567,000	11,775,000	22,300,000	21,584,000	16,158,000	16,797,000	24,062,000	33,404,000	38,067,000				26,598,000
payments received from (paid to) fdic under loss-sharing agreements
issuance of common stock																															0								0	0	114,889,000																0
loans (excluding purchased loans) transferred to other real estate owned																							591,000	60,000	179,000	264,000	360,000	2,073,000	515,000	1,176,000	329,000
purchased loans transferred to other real estate owned																							1,227,000	1,476,000	-91,000	2,523,000	3,959,000	1,898,000	79,000	457,000	729,000
issuance of common stock in exchange for equity investment in us premium finance holding company																															0
net decrease in deposits																																															318,000		-121,255,000				-194,459,000								10,345,000	-12,032,000	-15,305,000		-31,434,000
increase decrease in interest payable
purchases of purchased loan pools
net incomees (gains) on sale of other real estate owned including write-downs																												562,000	352,000	33,000			-139,000	-127,000
changes in fdic loss-share payable, net of cash payments received																												212,000	826,000	785,000
net gains on securities available for sale																														-37,000	0	0			0	0	0	-94,000	-115,000	-10,000	-12,000	0	-132,000	0	-6,000		0						0	-14,000	-224,000		0	0	-200,000
net accretion (amortization) on other borrowings																														33,000
decrease (increase) in interest receivable
net increase in securities sold under agreements to repurchase																																																							-47,927,000			-3,040,000	-34,614,000
increase in cash surrender value of boli																																-407,000	-392,000	-389,000	-416,000	-542,000	-419,000	-357,000	-342,000	-340,000	-345,000	-650,000	-353,000
purchase of securities available for sale																																-29,822,000	-13,123,000	-40,145,000		-44,230,000	-34,388,000	-56,168,000	-15,864,000	-140,415,000	-89,811,000		-33,708,000	-21,942,000	-46,690,000		-19,723,000		-26,030,000	-48,120,000	-15,637,000		-30,672,000	-65,687,000	-19,869,000		-10,430,000	-15,683,000	-22,174,000		-6,931,000	-15,168,000	-13,192,000		-13,277,000
purchases of loan pools																																					-4,338,000	-90,369,000	-153,972,000
payments received from (payments to) fdic under loss-share agreements
net accretion (amortization) of other borrowings
payments received from fdic under loss-share agreements																																				605,000	866,000	3,299,000	6,550,000	6,149,000	6,390,000
4
net accretion of other borrowings																																		-57,000	-19,000
proceeds from maturities of securities available for sale																																		30,119,000	37,877,000	37,251,000	31,596,000	24,666,000	27,846,000	20,522,000	16,022,000	13,509,000			11,834,000	7,676,000	12,148,000	68,576,000	29,886,000	30,825,000	21,912,000	28,283,000	22,225,000	24,508,000	12,922,000	26,553,000	13,499,000	37,204,000	14,392,000	28,873,000	10,156,000	19,811,000	9,290,000	31,658,000	16,065,000
payments received from (paid to) fdic under loss-share agreements																																		-559,000
net cash proceeds received (paid) from acquisitions																																			-1,000	0	0	-7,205,000
stock based compensation expense																																			675,000	577,000	517,000	492,000	380,000	380,000	380,000	827,000	218,000	217,000	795,000
accretion of discount on purchased non-covered loans																																			-3,213,000	-3,474,000	-3,950,000	-2,647,000	-2,667,000	-2,277,000	-3,111,000	-3,905,000
amortization of premium on non-covered loan pools
accretion of discount on covered loans																																			-498,000	-608,000	-760,000	-1,487,000	-1,854,000	-1,785,000	-4,466,000	-1,366,000
decrease increase in interest receivable
net increase in loans, excluding purchased non-covered and covered loans																																			-507,163,000	-219,628,000	-241,638,000	-94,916,000	-91,876,000	-166,949,000	-90,716,000	-8,146,000	-83,183,000
payments received on purchased non-covered loans																																			57,258,000	54,715,000	60,178,000	43,807,000	42,643,000	47,748,000	32,920,000	16,581,000	30,559,000
purchases of non-covered loan pools																																			-610,000
payments received on non-covered loan pools
payments received on covered loans																																			3,875,000	10,738,000	8,663,000	8,218,000	18,827,000	16,145,000	25,958,000	17,050,000	21,203,000
payments received from fdic under loss-sharing agreements
f-8
cash flows from operating activities:
amortization of purchased loan pools
cash flows from investing activities:
decrease (increase) in other investments																																				-5,453,000
payments received on purchased pool loans
cash flows from financing activities:
loans (excluding purchased non-covered and covered loans) transferred to other real estate owned																																							1,202,000	6,192,000	2,444,000	2,704,000	2,868,000
purchased non-covered loans transferred to other real estate owned																																							526,000	945,000	1,094,000	2,205,000	530,000
covered loans transferred to other real estate owned																																							375,000	5,304,000	1,230,000	2,810,000	1,757,000
change in unrealized loss on cash flow hedge (interest rate swap), net of tax																																							-538,000
changes in fdic loss-share receivable, net of cash payments received																																						1,805,000	3,901,000	-44,000	3,899,000
decrease in other investments																																						-1,274,000
dividends paid – common stock																																						-1,742,000
6
cash flows from investing activities, net of effect of business combinations:
net decrease in federal funds sold and interest-bearing deposits
decrease in restricted equity securities																																							0	186,000	1,639,000		-1,716,000	-674,000	7,506,000
net cash proceeds received from acquisitions																																							0			0	0
cash flows from financing activities, net of effect of business combinations:
redemption of preferred stock																																										0	0	0	-28,000,000
dividends paid - preferred stock																																																			-657,000		-666,000	-655,000	-650,000		-664,000	-658,000	-650,000
net increase in cash and due from banks																																							-1,017,000	35,271,000	2,106,000	8,615,000	-11,565,000								-565,000				14,060,000
cash and due from banks at beginning of period																																							0	0	78,036,000	0	0	0	62,955,000	0	0	0	0	0	65,528,000	0	0	0	74,326,000	0	0	0	81,060,000		0	0	80,480,000		0
cash and due from banks at end of period																																							-1,017,000	35,271,000	80,142,000	8,615,000	-11,565,000	9,599,000	71,387,000	9,439,000	3,173,000	22,967,000	-2,837,000	-4,837,000	64,963,000	9,767,000	-12,791,000	-19,834,000	88,386,000	30,512,000	-10,630,000	-14,407,000	68,851,000		22,802,000	-29,363,000	75,780,000		-22,236,000
cash paid/(received) during the period for:
net increase in federal funds sold and interest-bearing deposits
dividends paid—preferred stock																																													-286,000				-665,000
dividends paid—common stock
net decrease (increase) in federal funds sold and interest-bearing deposits																																									-33,834,000				156,307,000
dividends paid - common																																									-1,610,000
supplemental disclosures of non-cash information
change in unrealized gain on securities available for sale																																									642,000
change in unrealized loss on cash flow hedge																																									-387,000
gain on acquisitions																																																0	3,000,000			0				-6,443,000
(increase)/decrease in interest receivable
increase/(decrease) in interest payable
increase/(decrease) in taxes payable
decrease in prepaid fdic assessments
net decrease in federal funds sold and interest-bearing deposits in banks
(increase)/decrease in restricted equity securities
purchase of premises and equipment																																																												-546,000	-627,000	-863,000	-780,000	-923,000	-447,000
proceeds from sale of other real estate owned
payments received from fdic under loss share agreements																																										3,985,000	7,933,000
repurchase of warrant
change in unrealized gain on cash flow hedge
net gains on sale or disposal of premises and equipment																																																		3,000	-4,000		-9,000	50,000	-189,000				-249,000
net incomees or write-downs on sale of other real estate owned																																											359,000	1,064,000	921,000		2,047,000		983,000	813,000	7,252,000		6,392,000	3,537,000	33,000		875,000	3,976,000	1,072,000
accretion of fdic loss-share receivable, net of amortization of fdic clawback payable																																											3,014,000
net increase/(decrease) in deposits																																											-15,916,000															-84,075,000	-34,810,000
assets
cash and cash equivalents
federal funds sold and interest-bearing balances
investment securities
other investments
mortgage loans held for sale
loans																																													2,482,601,000		7,935,000		19,167,000	-7,504,000	1,948,532,000		117,056,000	-24,521,000	1,836,550,000		-37,156,000	148,239,000	1,502,965,000
less allowance for loan losses
other real estate owned
premises and equipment
intangible assets
other assets
total assets
liabilities
deposits:
noninterest-bearing
interest-bearing
total deposits
federal funds purchased and securities sold under agreements to repurchase
other borrowings																																													59,677,000					0	3,810,000								2,000,000
other liabilities
subordinated deferrable interest debentures
total liabilities
net identifiable assets acquired over (under) liabilities assumed
goodwill
net assets acquired over (under) liabilities assumed
consideration:
ameris bancorp common shares issued
purchase price per share of the company’s common stock
company common stock issued
cash exchanged for shares
fair value of total consideration transferred
net (gains)/losses on sale or disposal of premises and equipment																																																									123,000
accretion of covered loans
accretion of purchased non-covered loans
net change in mortgage loans held for sale																																												-22,510,000	15,585,000		-7,054,000		-9,362,000	-4,796,000	-3,300,000
proceeds from maturities of s ecurities available for sale
other prepaids, deferrals and accruals																																													2,489,000						4,201,000				-187,000		16,060,000	-2,179,000	-2,156,000		4,983,000	-8,784,000	1,601,000		-1,027,000
cash flows from investing activities, net of effects of business combinations:
net change in loans																																													-56,807,000						17,496,000
increase in fdic indemnification asset																																													12,260,000
cash flows from financing activities, net of effects of business combinations:
net decrease in cash and due from banks																																													8,432,000				-2,837,000				-12,791,000				-10,630,000	-14,407,000	-12,209,000	6,746,000	22,802,000	-29,363,000	-4,700,000		-22,236,000
supplemntal disclosures of non-cash information
financial assets:
financial liabilities:
deposits																																													3,010,647,000		318,000		35,445,000	-120,688,000	2,665,360,000		117,529,000	-61,326,000	2,572,689,000		18,976,000	-8,280,000	2,088,306,000
depreciation and amortization
net gain on securities available for sale
stock-based compensation expense
net (gain) loss on sale or disposal of premises and equipment
net income on sale of other real estate owned
net increase in mortgage loans held for sale																																																				-2,696,000
net other operating activities
total adjustments																																																												6,018,000	6,518,000	-7,496,000	2,524,000	2,552,000	708,000
decrease in interest-bearing deposits in banks
decrease in federal funds sold
(increase)/decrease in loans
decrease in fdic indemnification asset																																																38,716,000	5,361,000	16,215,000	75,032,000	16,869,000	4,259,000			26,641,000	-5,753,000
decrease in deposits
increase/(decrease) in federal funds purchased and securities sold under agreements to repurchase
repayment of other borrowings and debentures
cash dividends on preferred stock
repurchase of preferred stock
net change in cash and due from banks																																														9,439,000
cash paid/(received) during the year for:
noncash transactions
change in other prepaids, deferrals and accruals																																															3,497,000		2,073,000				18,624,000
decrease in fdic loss-share receivable																																															23,750,000
net cash proceeds received from fdic-assisted acquisitions																																																	155,466,000	0	65,050,000
decrease in other borrowings																																																	-3,810,000				0				0
dividends paid – preferred stock																																															-350,000
repurchase of warrants
net (increase)/decrease in loans
(increase)/decrease in federal funds sold
net cash proceeds received from (paid for) fdic-assisted acquisitions
cash dividends on common stock
proceeds from issuance of common stock
net decrease in federal funds sold and interest bearing deposits																																																											19,421,000
purchase bank owned life insurance
net (increase)/decrease in federal funds sold and interest bearing deposits																																																					53,051,000
net decrease in loans																																																					15,252,000	-3,863,000	37,682,000				18,169,000
gain on acquisition																																																			-20,037,000
net decrease (increase) in federal funds sold and interest bearing deposits																																																			34,870,000
goodwill impairment charge
(increase)/decrease in prepaid fdic assessments
(increase)/decrease in interest-bearing deposits in banks
decrease in loans
deferred gain on termination of interest rate swap
change in prepaid fdic assessment
cash received (paid) in fdic-assisted acquisitions
cash paid in fdic-assisted acquisition																																																									0
net increase in federal funds sold and interest bearing deposits																																																							-3,246,000
net (gain)/loss on sale of other real estate owned
decrease in taxes payable
increase/(decrease) in deposits
proceeds from other borrowings and debentures
proceeds allocated to issuance of preferred stock
proceeds allocated to warrants issued
change in unrealized gain
net (increase) / decrease in loans																																																									-15,678,000
net increase/(decrease) in securities sold under agreements to repurchase
gain on fdic assisted acquisition, net of tax
net decrease in covered assets																																																											8,371,000
net (loss)/income
adjustments to reconcile net (loss)/income to net cash from operating activities:
net (gain) /loss on securities available for sale
net income on sale or disposal of premises and equipment
gain on acquisitions, net of tax
increase in prepaid fdic assessments
supplemental disclosures of cash flow
information
non-cash transactions
change in deferred gain on termination of interest rate swap
net income/(gain) on sale of securities available for sale
net income/(gain) on sale of other real estate owned
increase/(decrease) in interest receivable
net cash paid for acquisitions and divestitures
dividends paid on common stock
cash and due from banks at beginning of year
cash and due from banks at end of year
amortization of unearned compensation
net incomees on sale of securities available for sale
reduction in income taxes payable resulting from vesting of restricted shares
increase in interest-bearing deposits in banks
increase in restricted equity securities
increase in federal funds sold
increase in loans																																																												14,085,000	-11,578,000	-19,561,000	-248,000	10,597,000	-8,141,000
net cash received (paid) for acquisitions and divestitures
unfunded obligation for acquisition
increase in deposits
increase in federal funds purchased and securities sold under agreements to repurchase
proceeds from other borrowings and trust preferred debentures
repayment of other borrowings and trust preferred debentures
dividends paid																																																												-1,368,000	-1,370,000	-1,367,000	-1,370,000	-1,180,000	-1,370,000
payment for fractional shares
supplemental disclosures of cash flowinformation
principal balances of loans transferred to other real estate owned
change in unrealized loss on securities available for sale
unrealized loss on cash flow hedge
net decrease in federal funds sold & interest bearing deposits
net decrease in federal funds purchased and securities sold under agreements to repurchase																																																													-354,000	-386,000	-3,160,000
dividends declared
u. s. government and federal agencies
state and municipal securities
corporate debt securities
mortgage backed securities
marketable equity securities
mortgage-backed securities
net cash received (paid) for acquisitions
noncash transaction
net decrease of federal funds sold & interest bearing deposits
increase in other borrowings																																																													13,584,000	4,574,000	14,690,000
net increase(decrease) in cash and due from banks
net decrease of federal funds sold
net (gains) losses on sale of securities available for sale
decrease in interest receivable
net cash paid for acquisition
purchase treasury stock																																																													-26,000	0	-335,000		-12,000
net income, as reported																																																													43,000	-144,000	3,186,000		34,000
deduct: total stock-based employee compensation expense determined under fair value based method for all awards, net of related tax effects																																																													0	0	-20,000		0
pro forma net income																																																													43,000	-144,000	3,166,000		34,000
earnings per share:
basic - as reported																																																													10	-20	330		0
basic - pro forma																																																													0	-10	320		0
diluted - as reported																																																													0	-10	320		0
diluted - pro forma																																																													0	-10	320		-10
net gains on sale of securities available for sale
decrease in interest payable
increase in restricted stock
proceeds from issuance of trust preferred securities
payment for debt issue costs
common stock issued in connection with business acquisitions
net decrease in federal funds purchased and
securities sold under agreements to repurchase
net increase in federal funds purchased and securities sold under agreements to repurchase
basic – as reported
basic – pro forma
diluted – as reported
diluted – pro forma
purchase of restricted equity securities
proceeds from maturities of investment securities
purchase of investment securities
acquisition stock issue cost
purchase of treasury stock
item 2.

We provide you with 20 years of cash flow statements for Ameris Bancorp stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of Ameris Bancorp stock. Explore the full financial landscape of Ameris Bancorp stock with our expertly curated income statements.

The information provided in this report about Ameris Bancorp stock is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.