XML 70 R54.htm IDEA: XBRL DOCUMENT v3.10.0.1
REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2018
Banking and Thrift [Abstract]  
Company's and Bank's Actual Capital Amounts and Ratios
The Company’s and Bank’s actual capital amounts and ratios are presented in the following table.
 
Actual
 
For Capital Adequacy Purposes
 
To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Leverage Ratio (tier 1 capital to average assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
984,620

 
9.166
%
 
$
429,690

 
4.000
%
 
 
 
—N/A—

Ameris Bank
$
1,127,926

 
10.506
%
 
$
429,428

 
4.000
%
 
$
536,785

 
5.00
%
CET1 Ratio (common equity tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
895,433

 
10.070
%
 
$
566,859

 
6.375
%
 
 
 
—N/A—

Ameris Bank
$
1,127,926

 
12.716
%
 
$
565,486

 
6.375
%
 
$
576,573

 
6.50
%
Tier 1 Capital Ratio (tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
984,620

 
11.073
%
 
$
700,237

 
7.875
%
 
 
 
—N/A—

Ameris Bank
$
1,127,926

 
12.716
%
 
$
698,541

 
7.875
%
 
$
709,629

 
8.00
%
Total Capital Ratio (total capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
1,087,364

 
12.229
%
 
$
878,075

 
9.875
%
 
 
 
—N/A—

Ameris Bank
$
1,156,745

 
13.041
%
 
$
875,948

 
9.875
%
 
$
887,036

 
10.00
%
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2017
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Leverage Ratio (tier 1 capital to average assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
741,159

 
9.713
%
 
$
305,231

 
4.000
%
 
 
 
—N/A—

Ameris Bank
$
805,238

 
10.564
%
 
$
304,904

 
4.000
%
 
$
381,131

 
5.00
%
CET1 Ratio (common equity tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
658,529

 
10.291
%
 
$
367,940

 
5.750
%
 
 
 
—N/A—

Ameris Bank
$
805,238

 
12.644
%
 
$
366,186

 
5.750
%
 
$
413,949

 
6.50
%
Tier 1 Capital Ratio (tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
741,159

 
11.582
%
 
$
463,925

 
7.250
%
 
 
 
—N/A—

Ameris Bank
$
805,238

 
12.644
%
 
$
461,712

 
7.250
%
 
$
509,476

 
8.00
%
Total Capital Ratio (total capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
840,745

 
13.139
%
 
$
591,904

 
9.250
%
 
 
 
—N/A—

Ameris Bank
$
831,029

 
13.049
%
 
$
589,081

 
9.250
%
 
$
636,845

 
10.00
%