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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2016
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
 
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
 
 
(dollars in thousands)
 
As of December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Leverage Ratio (tier 1 capital to average assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
555,447
 
 
8.675
%
$
256,106
 
 
4.000
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
592,641
 
 
9.266
%
$
255,828
 
 
4.000
%
$
319,785
 
 
5.00
%
CET1 Ratio (common equity tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
476,806
 
 
8.317
%
$
293,811
 
 
5.125
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
592,641
 
 
10.351
%
$
293,422
 
 
5.125
%
$
372,145
 
 
6.50
%
Tier 1 Capital Ratio (tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
555,447
 
 
9.689
%
$
379,804
 
 
6.625
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
592,641
 
 
10.351
%
$
379,301
 
 
6.625
%
$
458,024
 
 
8.00
%
Total Capital Ratio (total capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
579,367
 
 
10.106
%
$
494,462
 
 
8.625
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
616,561
 
 
10.769
%
$
493,807
 
 
8.625
%
$
572,530
 
 
10.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier 1 Leverage Ratio (tier 1 capital to average assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
462,961
 
 
8.70
%
$
212,771
 
 
4.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
495,615
 
 
9.32
%
$
212,608
 
 
4.00
%
$
265,760
 
 
5.00
%
CET1 Ratio (common equity tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
403,322
 
 
9.54
%
$
190,157
 
 
4.50
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
495,615
 
 
11.74
%
$
189,949
 
 
4.50
%
$
274,371
 
 
6.50
%
Tier 1 Capital Ratio (tier 1 capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
462,961
 
 
10.96
%
$
253,543
 
 
6.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
495,615
 
 
11.74
%
$
253,266
 
 
6.00
%
$
337,687
 
 
8.00
%
Total Capital to Risk Weighted Assets Total Capital Ratio (total capital to risk weighted assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
484,023
 
 
11.45
%
$
338,057
 
 
8.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
516,677
 
 
12.24
%
$
337,687
 
 
8.00
%
$
422,109
 
 
10.00
%