Ameris Bancorp Q2 GAAP EPS $0.77 on $82.5M litigation charge; adjusted EPS $1.60

Ameris Bancorp

Net income $51.4M ($0.77 diluted EPS) vs $109.8M ($1.60) YoY; adjusted net income $107.3M ($1.60).
Recorded $82.5M litigation expense accrual from California employment jury verdict.
Net interest margin (TE) stable at 3.88%; average earning assets grew 8.5% annualized.
Loan growth $349.9M (6.4% annualized); noninterest-bearing deposits improved to 30.0% of total.
Tangible book value per share $45.10; share repurchases of $19.0M (226,600 shares) in Q2.

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