How profitable a bank is affects its safety and soundness. Earnings can be retained by the bank, boosting its capital cushion, or be used to deal with problematic loans, likely making the bank better able to withstand financial trouble. Losses, on the other hand, lessen a bank's ability to do those things.
Ameris Bank scored 20 out of a possible 30 on Bankrate's test of earnings, better than the national average of 16.52.
One key measure of a bank's earnings is return on equity, calculated by dividing net income (essentially profit) by the total amount of equity. Ameris Bank's most recent annualized quarterly return on equity was 10.72 percent, above the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank recorded net income of $46.4 million on total equity of $926.6 million. The bank experienced an annualized return on average assets, or ROA, of 1.30 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.