Ameris Bancorp Q1 net income $81.7M ($1.17 EPS); NIM expands 17bps to 3.35%

Ameris Bancorp

2022-Q1 EPS reported $1.17

Net income $81.7M ($1.17 diluted EPS); adjusted $75.0M ($1.08).
Net interest margin improved to 3.35% from 3.18% QoQ; NII (TE) $173.6M.
Organic loan growth $269.5M (6.8% annualized); excl. PPP $350.7M (8.9%).
Tangible book value per share $26.84, up $0.58 from Dec 2021; TBV dilution <1% from OCI.
Provision for credit losses $6.2M; NPA ratio 0.47%; net charge-off ratio 0.09%.

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