Ameris Bank Auto Loans Summary and Portfolio
Ameris Bank makes $5,817,607,000 total loans annually of which $7,918,000 are auto loans, amounting to 0.1 % of the entire loan portfolio. The maximum credit exposure of Ameris Bank's car and auto financings are $235,893,000.
Below are some other banks and lending institutions that specialize in low-cost auto and car loans for your research.
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LightStream Auto Loans
Up to $100,000, starting at 3.49% APR
LightStream has over 350,000 customers to date. LightStream prides itself on loan transparency. You’ll always know what you pay. There are no hidden fees and no collateral needed for an unsecured loan.
Upstart Auto Loans
Up to $30,000, starting at 6.27% APR
Looking for a lower monthly car loan payment? By refinancing your car loan via Upstart, you could lower your monthly car payments, which will leave you with more money in your pocket every month. The whole process is easy and completely online.
All car loans feature an affordable fixed rate, which means your monthly payment will never increase. And there is no prepayment penalty so you have the flexibility to pay off your car loan at any time.
OneMain Financial Auto Loans
Up to $20,000, starting at 18.00% APR
A car loan through OneMain Financial can provide an easy way to get that special car when other lenders may be saying no to car loans. If you have good credit, you’re a perfect candidate for a personal loan through One Main Financial. Get low fixed rates without any of the hidden fees and red tape associated with other types of loans.
Volume of Auto Loan at Ameris Bank
Auto loans -consolidated basis
$7,918,000Auto loans -nonaccrual automobile loans to individuals
$156,000Auto loans -assets sold with recourse
$3,560,000Auto loans -maximum exposure due to letters of credit
$361,399,000Auto loans -credit enhancements
$450,079,000Bank securitization, principal balance on auto loans
$2,906,269,000Credit exposure in retained interest in auto loans
$235,893,000Credit exposure in subordinated securities in auto loans
$18,489,000Bank's unused commitments auto loans
$135,151,000Bank's unused commitments liquidity auto loans
$64,383,000Ameris Bank Auto Loan Chargeoffs, Recoveries
For Ameris Bank's securitized auto loans, the charge-offs amount to $20,771,000 and the recoveries amount to $2,656,000.
For general car loans, the charge-offs amount to $131,000 and the recoveries amount to $11,000. This results in a net charge-offs of automobile loans debited to the allowance for loan and lease losses of $120,000.
An additional figure for loan performance are automobile loans to individuals for household, family and other personal expenditures that are past due still and accruing interest.
Past Due 30 -89 days Past Due 90+ days
$85,000 $375,000
Ameris Bank New and Used Car Loan Officers
Mamta Dutta
mortgage banker
(678) 226-7892
Gholam Bojnordi
Mortgage Consultant
(404) 848-1148
Craig King
Home Mortgage Consultant
(229) 247-6540
Mary Hunter
Licensed loan officer
(866) 795-9359
Ashley Rustom
Senior Mortgage Consultant
(678) 410-2348
Contact
(678) 226-7892
Contact
(404) 848-1148
Contact
(229) 247-6540