Ameris Bancorp(ABCB) - 2025 Q1 - Earnings Call Presentation

Financial Performance - The company reported net income of $87935000, or $127 per diluted share in 1Q25[16] - The company's return on average assets (ROA) was 136% in 1Q25[15] - The company's efficiency ratio improved to 5283% in 1Q25, compared to 5564% in 1Q24[15] - The company's tangible book value (TBV) grew by $119 per share to $3978 at the end of 1Q25, representing an annualized growth rate of 125%[15] Deposits and Capital - Noninterest-bearing deposits remained strong, accounting for 308% of total deposits as of March 31, 2025[15] - The company's CET1 ratio was 129%[8] Loan Portfolio and Credit Quality - The allowance for credit losses increased to 167% of loans[8] - The company's loan portfolio is diversified, with total loans of $207 billion[47] - Criticized loans were reduced by $444 million, a decrease of 157%[15]