Ameris Bancorp (NASDAQ:ABCB) Q2 2022 Earnings Conference Call July 27, 2022 9:00 AM ET

Company Participants

Nicole Stokes - Chief Financial Officer

Palmer Proctor - Chief Executive Officer

Jon Edwards - Chief Credit Officer

Conference Call Participants

Brady Gailey - KBW

David Feaster - Raymond James

Christopher Marinac - Janney Montgomery Scott

Jennifer Demba - Truist Securities

Operator

Hello, and welcome to today's Ameris Bancorp's Second Quarter Earnings Call. My name is Bailey, and I'll be the moderator for today's call. [Operator Instructions]

I now have the pleasure of handing over to today's host, Jennifer Demba, Chief Financial Officer. Please go ahead.

Nicole Stokes

Thank you, Bailey. This is actually Nicole Stokes. I think Jennifer Demba is somebody that just joined the Q&A. So -- but thank you, and thank you to all who have joined our call today. During the call, we will be referencing the press release and the financial highlights that are available on the Investor Relations section of our website at amerisbank.com.

I'm joined today by Palmer Proctor, our CEO; and Jon Edwards, our Chief Credit Officer. Palmer will begin with some opening general comments, and then I will discuss the details of our financial results before we open up for the Q&A.

But before we begin, I'll remind you that our comments may include forward-looking statements. These statements are subject to risks and uncertainties, and the actual results could vary materially. We list some of the factors that might cause results to differ in our press release and in our SEC filings, which are available on our website. We do not assume any obligation to update any forward-looking statements as a result of new information, early developments or otherwise, except as required by law. Also during the call, we will discuss certain non-GAAP financial measures in reference to the company's performance. You can see our reconciliation of these measures and GAAP financial measures in the appendix to our presentation.

And with that, I'll turn it over to Palmer for opening comments.

Palmer Proctor

Thank you, Nicole, and good morning to everyone. I appreciate you all taking the time to join our call today. I was really pleased with the second quarter financial results we reported yesterday. And as mentioned in the press release, the success we had this quarter goes back to just purely solid banking fundamentals. So when you look at revenue growth, margin improvement, strong quality of our deposit franchise, positive trends in our earning asset mix, tangible book value growth, capital preservation and all of these while improving our operating efficiency ratio. So it's quite a successful quarter for us. And Nicole is going to get into some of the details in a minute, but I'll hit some of the highlights.