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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2015
Banking and Thrift [Abstract]  
Company's and Bank's Actual Capital Amounts and Ratios
The Company’s and Bank’s actual capital amounts and ratios are presented in the following table.
 
 
 
 
 
For Capital
 
To Be Well Capitalized
 
 
 
 
 
Adequacy
 
Under Prompt Corrective
 
 
 
Actual
 
Purposes
 
Action Provisions
 
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
 
 
(Dollars in Thousands)
 
As of December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
484,023
 
 
11.45
%
$
338,057
 
 
8.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
516,677
 
 
12.24
%
$
337,687
 
 
8.00
%
$
422,109
 
 
10.00
%
Tier I Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
462,961
 
 
10.96
%
$
253,543
 
 
6.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
495,615
 
 
11.74
%
$
253,266
 
 
6.00
%
$
337,687
 
 
8.00
%
Common Equity Tier 1 Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
403,322
 
 
9.54
%
$
190,157
 
 
4.50
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
495,615
 
 
11.74
%
$
189,949
 
 
4.50
%
$
274,371
 
 
6.50
%
Tier I Capital to Average Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
462,961
 
 
8.70
%
$
212,771
 
 
4.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
495,615
 
 
9.32
%
$
212,608
 
 
4.00
%
$
265,760
 
 
5.00
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total Capital to Risk Weighted Assets
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
373,310
 
 
13.42
%
$
222,557
 
 
8.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
414,356
 
 
14.90
%
$
222,528
 
 
8.00
%
$
278,160
 
 
10.00
%
Tier I Capital to Risk Weighted Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
352,153
 
 
12.66
%
$
111,279
 
 
4.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
393,199
 
 
14.14
%
$
111,264
 
 
4.00
%
$
166,896
 
 
6.00
%
Tier I Capital to Average Assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
352,153
 
 
8.94
%
$
157,574
 
 
4.00
%
 
 
 
 
—N/A—
 
Ameris Bank
 
$
393,199
 
 
10.01
%
$
157,165
 
 
4.00
%
$
196,456
 
 
5.00
%