Ameris Bancorp (NASDAQ:ABCB) Q3 2019 Earnings Conference Call - Final Transcript
Oct 18, 2019 • 09:00 am ET
the NIM pressure, while we may be given a little bit of a yield up on the loan side, we're hopefully garnering more on the low-cost funding side to offset that.
Got it. That's helpful. Okay, great. And the last question just has to do with the systems conversion. Once that's behind you, to what extent are there new products and sales that you can implement. Are there things kind of in the wings that you'll see next year?
Well, the exciting part of that is more looking at the -- the efficiencies. We are a big user of the sales force and in CNO [Phonetic] and fortunately both companies, legacy Fidelity and Ameris utilize that technology and you will see us leveraging more and more of that, not only in specific areas but throughout the bank. Obviously, new online account openings. We're focused on streamlining that process with a lot of what we're going to be focused on is tweaking the current technology we have. It's just making it more efficient, and the process more efficient. If banks today still have way too much bureaucracy in terms of action and the fun thing about being a $17 billion, $18 billion bank is being able to make small tweaks here and there that can be meaningful in the overall scheme of things, whether it's just reduction of paper or just efficiency through less printer use, just a lot of simple technologies there that we're going to, we're zeroing in now and so our Chief Innovation Officer, which is our CIO obviously is -- is sole mission right now.
Great, thanks again, guys. I appreciate the color.
Nicole S. Stokes
[Operator Closing Remarks]