REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2012

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.

	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in Thousands)
As of December 31, 2012
Total Capital to Risk Weighted Assets
Consolidated	$	331,545		18.74	%	$	141,516		8.00	%				—N/A—
Ameris Bank	$	329,578		18.65	%	$	141,374		8.00	%	$	176,717		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated	$	309,415		17.49	%	$	70,758		4.00	%				—N/A—
Ameris Bank	$	307,470		17.40	%	$	70,687		4.00	%	$	106,030		6.00	%
Tier I Capital to Average Assets:
Consolidated	$	309,415		10.34	%	$	119,660		4.00	%				—N/A—
Ameris Bank	$	307,470		10.30	%	$	119,440		4.00	%	$	149,299		5.00	%
As of December 31, 2011
Total Capital to Risk Weighted Assets
Consolidated	$	345,789		20.05	%	$	137,954		8.00	%				—N/A—
Ameris Bank	$	341,697		19.87	%	$	137,580		8.00	%	$	171,976		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated	$	324,125		18.80	%	$	68,977		4.00	%				—N/A—
Ameris Bank	$	320,032		18.61	%	$	68,790		4.00	%	$	103,185		6.00	%
Tier I Capital to Average Assets:
Consolidated	$	324,125		10.76	%	$	120,683		4.00	%				—N/A—
Ameris Bank	$	320,032		10.62	%	$	120,515		4.00	%	$	150,643		5.00	%