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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM			10-Q

(Mark One)

			☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended June 30, 2020

 

OR

			☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number:			001-13901

(404)			639-6500
(Registrant’s telephone number)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No   ¨

 

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No   ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐   No  ý

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, par value $1 per share			ABCB			Nasdaq Global Select Market

 There were 69,487,546 shares of Common Stock outstanding as of July 31, 2020.

AMERIS BANCORP

TABLE OF CONTENTS

						Page
PART I – FINANCIAL INFORMATION
Item 1.			Financial Statements.
			Consolidated Balance Sheets as of June 30, 2020 and December 31, 2019			1
			Consolidated Statements of Income and Comprehensive Income for the Three and Six-Month Periods Ended June 30, 2020 and 2019			2
			Consolidated Statements of Shareholders’ Equity for the Three and Six-Month Periods Ended June 30, 2020 and 2019			3
			Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2020 and 2019			5
			Notes to Consolidated Financial Statements			7
Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations.			47
Item 3.			Quantitative and Qualitative Disclosures About Market Risk.			72
Item 4.			Controls and Procedures.			72
PART II – OTHER INFORMATION
Item 1.			Legal Proceedings.			73
Item 1A.			Risk Factors.			73
Item 2.			Unregistered Sales of Equity Securities and Use of Proceeds.			74
Item 3.			Defaults Upon Senior Securities.			75
Item 4.			Mine Safety Disclosures.			75
Item 5.			Other Information.			75
Item 6.			Exhibits.			76
Signatures									77