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ABCB • CIK 0000351569
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $1,172,162 | $1,265,522 | $1,265,351 | $1,289,878 |
| Interest Income, Securities, Operating, Taxable | $59,002 | $61,518 | $87,327 | $103,830 |
| Interest Income, Securities, Operating, Tax Exempt | $1,335 | $1,338 | $1,428 | $1,522 |
| Interest Income (Expense), Net | $835,044 | $849,190 | $936,923 | $980,191 |
| Interest Income, Deposits with Financial Institutions | $47,936 | $49,906 | $40,419 | $35,225 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $153,515 | $69,841 | $47,406 | $61,566 |
| Interest and Dividend Income, Operating | $1,280,435 | $1,378,284 | $1,394,525 | $1,430,455 |
| Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | — | $-11,048 | $22,832 | $17,816 |
| Provision for Other Credit Losses | $-6 | $0 | $6 | $2 |
| Provision for Loan, Lease, and Other Losses | — | $58,793 | $70,244 | $79,384 |
| Interest Income (Expense), after Provision for Loan Loss | $692,388 | $790,397 | $866,679 | $900,807 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $356,935 | $475,860 | $533,764 | $484,910 |
| Income Tax Expense (Benefit) | $87,830 | $117,175 | $121,610 | $108,587 |
| Net Income (Loss) Attributable to Parent | $269,105 | $358,685 | $412,154 | $376,323 |
| Interest Expense, Deposits | $356,017 | $484,673 | $424,176 | $407,387 |
| Interest Expense, Borrowings | $89,374 | $44,421 | $33,426 | $42,877 |
| InterestExpenseOperating | — | $529,094 | $457,602 | $450,264 |
| Fees and Commissions, Mortgage Banking and Servicing | — | $160,475 | $147,015 | $142,074 |
| Gain (Loss) on Investments | $-304 | $12,304 | $1,633 | $8,985 |
| Noninterest Income, Other | $50,714 | $43,163 | $32,687 | $35,108 |
| Noninterest Income | $242,828 | $293,257 | $271,035 | $281,553 |
| Labor and Related Expense | $320,110 | $347,641 | $348,868 | $355,805 |
| Occupancy, Net | $51,450 | $48,784 | $44,923 | $47,025 |
| Marketing and Advertising Expense | $11,856 | $12,612 | $11,989 | $12,109 |
| Amortization of Intangible Assets | $18,244 | $17,189 | $15,937 | $14,265 |
| Information Technology and Data Processing | $53,486 | $59,699 | $62,515 | $64,658 |
| Professional Fees | $17,726 | $16,737 | $18,145 | $21,961 |
| FDIC Indemnification Asset, Period Increase (Decrease) | $26,940 | $15,499 | $10,368 | $10,604 |
| Loan Portfolio Expense | $35,283 | $36,157 | $31,129 | $29,994 |
| Other Noninterest Expense | $43,106 | $50,989 | $56,931 | $41,304 |
| Noninterest Expense | $578,281 | $607,794 | $603,950 | $697,450 |
| Weighted Average Number of Shares Outstanding, Basic | 68,977,453 | 68,808,830 | 68,448,812 | 66,969,682 |
| Weighted Average Number of Shares Outstanding, Diluted | 69,104,158 | 69,061,832 | 68,705,914 | 67,223,357 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $230,470 | $244,980 | $253,807 | $237,431 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $936,834 | $975,397 | $835,113 | $959,682 |
| Cash, Cash Equivalents, and Federal Funds Sold | $1,167,304 | $1,220,377 | $1,088,920 | $1,197,113 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $1,402,944 | $1,671,260 | $2,207,173 | $2,460,623 |
| Liabilities and Equity | $25,203,699 | $26,262,050 | $27,515,879 | $28,488,843 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $141,512 | $164,677 | $203,242 | $208,155 |
| Other Investments | $71,794 | $66,298 | $85,443 | $123,871 |
| Financing Receivable, Held-for-Sale | $281,332 | $528,599 | $623,152 | $482,220 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $20,269,303 | $20,739,906 | $21,513,522 | $22,177,865 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $307,100 | $338,084 | $348,141 | $359,513 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $19,962,203 | $20,401,822 | $21,165,381 | $21,818,352 |
| Real Estate Acquired Through Foreclosure | $6,199 | $2,433 | $2,918 | $4,043 |
| Property, Plant and Equipment, Net | $216,435 | $209,460 | $213,097 | $220,500 |
| Goodwill | $1,015,646 | $1,015,646 | $1,015,646 | $1,015,646 |
| Other Intangible Assets, Net | $87,949 | $70,761 | $54,824 | $48,317 |
| Bank Owned Life Insurance | $395,778 | $408,574 | $420,583 | $427,789 |
| Other Assets | $454,603 | $502,143 | $435,500 | $482,214 |
| Other Borrowings | $509,586 | $291,788 | $558,039 | $1,250,049 |
| Subordinated Debt | $130,315 | $132,309 | $134,302 | $135,299 |
| Other Liabilities | $428,542 | $363,983 | $371,515 | $425,345 |
| Liabilities | $21,776,952 | $22,510,528 | $23,439,851 | $24,398,266 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $72,516 | $72,699 | $72,898 | $73,265 |
| Additional Paid in Capital, Common Stock | $1,945,385 | $1,958,642 | $1,971,131 | $1,978,573 |
| Retained Earnings (Accumulated Deficit) | $1,539,957 | $1,853,428 | $2,210,385 | $2,345,292 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-35,939 | $-30,119 | $8,312 | $-16,508 |
| Treasury Stock, Common, Value | $95,172 | $103,128 | $186,698 | $290,045 |
| Stockholders' Equity Attributable to Parent | $3,426,747 | $3,751,522 | $4,076,028 | $4,090,577 |
| Noninterest-bearing Deposit Liabilities | $6,491,639 | $6,498,293 | $6,426,145 | $6,782,882 |
| Interest-bearing Deposit Liabilities | $14,216,870 | $15,224,155 | $15,949,850 | $15,804,691 |
| Deposits | $20,708,509 | $21,722,448 | $22,375,995 | $22,587,573 |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $69 | $69 | $75 | $68 |
| Debt Securities, Held-to-maturity, Fair Value | $122,731 | $144,028 | $189,873 | $192,993 |
| Preferred Stock, Shares Authorized | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 |
| Common Stock, Shares, Issued | 72,516,079 | 72,699,245 | 72,898,342 | 73,264,873 |
| Treasury Stock, Common, Shares | 3,462,738 | 3,630,636 | 4,876,026 | 6,158,286 |
| Operating Lease, Right-of-Use Asset | $49,864 | $45,069 | $42,200 | $42,200 |
| Operating Lease, Liability | $58,521 | $53,403 | $50,676 | $50,676 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $269,105 | $358,685 | $412,154 | $376,323 |
| Net Cash Provided by (Used in) Operating Activities | $568,959 | $154,193 | $390,183 | $548,528 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $49,172 | $53,073 | $-131,457 | $26,843 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $1,167,304 | $1,220,377 | $1,088,920 | $1,125,819 |
| Depreciation, Amortization and Accretion, Net | — | $36,798 | $29,655 | $24,363 |
| Payments to Acquire Debt Securities, Available-for-sale | $30,548 | $693,401 | $1,015,456 | $1,063,191 |
| Gain (Loss) on Disposition of Property Plant Equipment | $1,658 | $-1,401 | $-19 | $-116 |
| Payments to Acquire Held-to-maturity Securities | $8,543 | $26,071 | $44,089 | $41,890 |
| Impairment of Long-Lived Assets Held-for-use | — | $-121 | $0 | $0 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $142,082 | $434,711 | $493,027 | $340,087 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $2,082 | $3,084 | $5,776 | $10,485 |
| Gains (Losses) on Sales of Other Real Estate | $1,595 | $-532 | $-171 | $-165 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $5,141 | $0 | $45,039 | $131,206 |
| Share-based Payment Arrangement, Noncash Expense | $9,950 | $13,440 | $12,688 | $14,045 |
| Increase (Decrease) of Restricted Investments | $-38,112 | $-16,712 | $19,407 | $45,928 |
| Operating Lease, Right-of-Use Asset, Amortization Expense | $11,363 | $9,930 | $8,781 | $8,673 |
| Payments for (Proceeds from) Loans and Leases | — | $610,502 | $836,952 | $1,178,380 |
| Deferred Income Tax Expense (Benefit) | $-20,468 | $-20,078 | $-10,551 | $-26,535 |
| Proceeds from Sale of Mortgage Servicing Rights (MSR) | $0 | $82,328 | $23,728 | $23,728 |
| Gain (Loss) on Investments | $-304 | $12,304 | $1,633 | $8,985 |
| Payments to Acquire Property, Plant, and Equipment | $17,531 | $13,477 | $20,539 | $26,552 |
| Proceeds from Sale of Property, Plant, and Equipment | $3,925 | $250 | $172 | $61 |
| Payments for Origination of Mortgage Loans Held-for-sale | $3,620,664 | $4,420,439 | $4,281,600 | $4,214,345 |
| Proceeds from Sale of Other Real Estate | $10,655 | $14,625 | $7,458 | $5,668 |
| Proceeds from Collection of Mortgage Loans Held-for-sale | $15,269 | $20,479 | $31,354 | $32,635 |
| Payment to Acquire Life Insurance Policy, Investing Activities | $0 | $110,000 | $0 | $0 |
| Proceeds from Sale of Mortgage Loans Held-for-sale | $3,695,259 | $4,179,314 | $4,201,851 | $4,259,099 |
| Proceeds from Life Insurance Policy | $1,890 | $55,059 | $58,441 | $2,551 |
| Gain (Loss) on Sale of Mortgage Loans | $-2,072 | $41,298 | $53,192 | $47,801 |
| Net Cash Provided by (Used in) Investing Activities | $-338,194 | $-846,682 | $-1,302,802 | $-1,842,155 |
| Bank Owned Life Insurance Income | $486 | $1,464 | $621 | $1,455 |
| Gain (Loss) on Extinguishment of Debt | — | $-890 | $-437 | $-437 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $9,662 | $747 | $4,849 | $4,849 |
| Increase (Decrease) in Interest Payable, Net | $26,946 | $-11,176 | $-4,333 | $-4,333 |
| Increase (Decrease) in Income Taxes Payable | $2,271 | $29,846 | $-20,233 | $-20,233 |
| Other Operating Activities, Cash Flow Statement | $22,157 | $-25,496 | $12,193 | $94,416 |
| Increase (Decrease) in Deposits | $1,245,771 | $1,013,939 | $653,547 | $654,898 |
| Proceeds from Other Debt | $15,842,000 | $6,308,000 | $8,163,000 | $12,518,000 |
| Repayments of Other Debt | $17,207,845 | $6,526,963 | $7,897,238 | $11,645,100 |
| Proceeds from Stock Options Exercised | $476 | $0 | $0 | $0 |
| Payments of Ordinary Dividends, Common Stock | $41,649 | $41,460 | $55,252 | $54,817 |
| Payments for Repurchase of Equity | $20,346 | $7,954 | $82,895 | $152,511 |
| Net Cash Provided by (Used in) Financing Activities | $-181,593 | $745,562 | $781,162 | $1,320,470 |
| Real Estate Owned, Transfer to Real Estate Owned | $14,416 | $11,391 | $8,114 | $8,051 |
| Transfer of Loans Held-for-sale to Portfolio Loans | $0 | $14,677 | $22,443 | $47,674 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $2,827 | $5,488 | $3,309 | $3,903 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $418,445 | $540,270 | $461,935 | $446,879 |
| Income Taxes Paid, Net | $101,328 | $102,511 | $155,979 | $136,287 |
| Gain (Loss) on Sale of Other Investments | $0 | $12,314 | $1,638 | $1,680 |