{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-015397","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2023-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.803035+00:00","generated_at":"2026-06-16T09:40:41.761864+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ameris Bancorp Q1 net income $60.4M ($0.87 EPS); credit provision surges to $49.7M","bullets":["Net income $60.4M ($0.87 diluted EPS) vs $81.7M ($1.17) in Q1 2022; provision for credit losses rose to $49.7M from $6.2M YoY.","Net interest margin 3.76% (down from 4.03% in Q4 2022); total deposits grew $434.7M (8.9% annualized) to $19.90B.","Tangible book value per share increased $0.87 to $30.79; TCE ratio 8.55% vs 8.67% at Dec 31, 2022.","Redeemed $75M 5.75% fixed-to-floating subordinated notes due 2027 (rate 8.39% floating) with existing liquidity.","Nonperforming assets stable at 0.61% of assets; net charge-off ratio 22 bps vs 8 bps in prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-015397","json":"https://secwatch.observer/filing/0000950170-23-015397.json","markdown":"https://secwatch.observer/filing/0000950170-23-015397.md","text":"https://secwatch.observer/filing/0000950170-23-015397.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000095017023015397/0000950170-23-015397-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000095017023015397/abcb-20230427.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T09:40:41.761864+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"e027245a2db358e857a814d3da7ae79aa16d5a9f","claim":"Ameris Bancorp reported quarter ended March 31, 2023 results: net income $60.4 million, EPS $0.87 per diluted share.","evidence_excerpt":"Ameris Bancorp (Nasdaq: ABCB) (the \"Company\") today reported net income of $60.4 million, or $0.87 per diluted share, for the quarter ended March 31, 2023, compared with $81.7 million, or $1.17 per diluted share, for the quarter ended March 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/351569/000095017023015397/0000950170-23-015397-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended March 31, 2023"},{"label":"Net income","value":"$60.4 million"},{"label":"EPS","value":"$0.87 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}