Ameris Bancorp (NASDAQ:ABCB) Q4 2022 Earnings Call Transcript

Then the second thing is the C&I small business growth, and then third is focused on more of the customer experience. Those are really our three main focuses for next year, and I think that’s going to serve us well as we navigate through the remainder of 2023.

Christopher Marinac: Great, I think you mostly answered my follow-up question. It was just to confirm that deposits can grow organically this year, which it sounds like they will.

Palmer Proctor: Yes, that’s probably going to be one of the bright spots. It’s going to be challenging, obviously, because we’ve got to protect what we have, but at the same time we’re supplementing what we have through a lot of the organic growth efforts, and predominantly through the C&I and business banking aspect.

Christopher Marinac: Great, thank you both for the background and information this morning.

Palmer Proctor: You bet.

Nicole Stokes: Thank you Chris.

Operator: Thank you. This is all the questions we have today, so I would now like to hand back to Palmer Proctor for any closing remarks.

Palmer Proctor: Thank you Daisy. Once again, I want to thank everybody for listening into our fourth quarter and full year 2022 earnings call. The momentum and the discipline that we’ve positioned ourselves, I think this year and last year, is going to bode well for us as we move forward, and I’m reminded every day of the importance of teamwork and want to give a big shout-out to the entire Ameris team for all of their hard work and allowing us to deliver this type of performance. I can assure you that that discipline and our ability to stay focused will continue as we move into 2023 and the remainder of the year, so we remain committed to top of class results and I want to thank everybody again for their time and interest in Ameris.

Operator: Thank you everyone for joining today’s call. You may now disconnect your lines and have a lovely day.