Exhibit 12.1

AMERIS BANCORP

STATEMENT REGARDING COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES AND OF EARNINGS TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS

	For the nine  months ended September 30, 2012		For the year ended December 31,
			2011		2010			2009			2008			2007
EARNINGS
Pre-tax income from continuing operations		14,490		31,649		(7,184	)		(34,492	)		(5,969	)		22,453
Fixed charges		12,580		28,113		30,087			40,818			56,611			71,109
Amortization of capitalized interest		—		—		—			—			—			—
Capitalized interest		—		—		—			—			—			—
Total earnings		27,070		59,762		22,903			6,326			50,642			93,562
Less: Interest on deposits		10,724		25,506		28,647			38,506			51,942			62,380
Total earnings exc. deposit int.		16,346		34,256		(5,744	)		(32,180	)		(1,300	)		31,182
FIXED CHARGES
Interest expensed		12,094		27,547		29,794			40,550			56,343			70,998
Interest capitalized		—		—		—			—			—			—
Interest included in rental expense		486		566		293			268			268			111
Total fixed charges		12,580		28,113		30,087			40,818			56,611			71,109
Less: Interest on deposits		10,724		25,506		28,647			38,506			51,942			62,380
Total fixed charges exc. deposit int.		1,856		2,607		1,440			2,312			4,669			8,729
FIXED CHARGES AND PREFERRED STOCK DIVIDENDS
Interest expensed		12,094		27,547		29,794			40,550			56,343			70,998
Interest capitalized		—		—		—			—			—			—
Interest included in rental expense		486		566		293			268			268			111
Preferred stock dividends (pre-tax equivalent)		2,459		3,241		3,213			3,161			328			—
Total fixed charges and preferred stock dividends		15,039		31,354		33,300			43,979			56,939			71,109
Less: Interest on deposits		10,724		25,506		28,647			38,506			51,942			62,380
Total fixed charges and preferred dividends exc. deposit int.		4,315		5,848		4,653			5,473			4,997			8,729
RATIO OF EARNINGS TO FIXED CHARGES
Including interest on deposits		2.15		2.13		0.76			0.15			0.89			1.32
Excluding interest on deposits		8.81		13.14		(3.99	)		(13.92	)		(0.28	)		3.57
RATIO OF EARNINGS TO COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS
Including interest on deposits		1.80		1.91		0.69			0.14			0.89			1.32
Excluding interest on deposits		3.79		5.86		(1.23	)		(5.88	)		(0.26	)		3.57