Ameris Bancorp (ABCB) — Defensive Interval Ratio
Ameris Bancorp (ABCB) has a Defensive Interval Ratio of 20 days as of June 2025. Defensive assets of $1.20 Billion (cash $-, short-term investments $1.20 Billion, receivables $-) cover 20 days of daily cash needs of $60.09 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Ameris Bancorp Defensive Interval Ratio (2000–2024)
This chart shows how Ameris Bancorp's Defensive Interval Ratio has evolved across 25 annual periods from 2000 to 2024. As of June 2025, the ratio stands at 20 days, meaning defensive assets of $1.20 Billion can fund 20 days of operations without new revenue. For the complete balance sheet picture, see Ameris Bancorp (ABCB) total assets.
Annual Defensive Interval Ratio for Ameris Bancorp (2000–2024)
The table below presents the year-by-year Defensive Interval Ratio for Ameris Bancorp from 2000 to 2024, covering 25 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See working capital to net assets of Ameris Bancorp to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 28 days | $1.67 Billion | $59.51 Million/day | $- | $1.67 Billion | ▲ +3 days |
| 2023 | 25 days | $1.40 Billion | $56.74 Million/day | $- | $1.40 Billion | ▼ -3 days |
| 2022 | 28 days | $1.50 Billion | $53.32 Million/day | $- | $1.50 Billion | ▲ +5 days |
| 2021 | 23 days | $592.62 Million | $25.37 Million/day | $- | $592.62 Million | ▼ -312 days |
| 2020 | 335 days | $15.26 Billion | $45.56 Million/day | $- | $982.88 Million | ▲ +300 days |
| 2019 | 35 days | $1.40 Billion | $40.10 Million/day | $- | $1.40 Billion | ▼ -50416 days |
| 2018 | 50451 days | $9.68 Billion | $191.78K/day | $- | $1.19 Billion | ▲ +50072 days |
| 2017 | 378 days | $6.83 Billion | $18.05 Million/day | $- | $810.87 Million | ▼ -50700 days |
| 2016 | 51078 days | $5.44 Billion | $106.44K/day | $- | $822.74 Million | ▲ +39071 days |
| 2015 | 12007 days | $789.49 Million | $65.75K/day | $- | $783.18 Million | ▲ +3290 days |
| 2014 | 8717 days | $573.16 Million | $65.75K/day | $- | $541.80 Million | ▲ +8652 days |
| 2013 | 65 days | $551.68 Million | $8.47 Million/day | $- | $486.24 Million | ▼ -4 days |
| 2012 | 69 days | $506.63 Million | $7.33 Million/day | $- | $346.91 Million | ▼ -11 days |
| 2011 | 80 days | $582.36 Million | $7.26 Million/day | $- | $339.97 Million | ▲ +54 days |
| 2010 | 27 days | $189.63 Million | $7.13 Million/day | $- | $12.44 Million | ▲ +18 days |
| 2009 | 9 days | $53.10 Million | $5.97 Million/day | $- | $7.26 Million | ▲ +7 days |
| 2008 | 2 days | $8.63 Million | $5.59 Million/day | $- | $8.63 Million | ▼ -54 days |
| 2007 | 55 days | $267.34 Million | $4.85 Million/day | $- | $267.34 Million | ▼ -1 days |
| 2006 | 57 days | $267.34 Million | $4.73 Million/day | $- | $267.34 Million | ▲ +38 days |
| 2005 | 19 days | $70.85 Million | $3.80 Million/day | $- | $70.85 Million | ▼ -7 days |
| 2004 | 26 days | $69.62 Million | $2.72 Million/day | $- | $69.62 Million | ▲ +11 days |
| 2003 | 14 days | $35.63 Million | $2.51 Million/day | $- | $35.63 Million | ▼ -17 days |
| 2002 | 31 days | $77.98 Million | $2.53 Million/day | $- | $77.98 Million | ▼ -11 days |
| 2001 | 41 days | $106.22 Million | $2.56 Million/day | $- | $106.22 Million | ▲ +39 days |
| 2000 | 3 days | $4.95 Million | $1.95 Million/day | $- | $4.95 Million | — |