Call reports 2005
AMERISERV FINANCIAL BANK — 2005
What AMERISERV FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 987,575,000 | 988,231,000 | 884,122,000 | 871,299,000 |
| Total loans | 527,345,000 | 522,437,000 | 544,901,000 | 550,601,000 |
| Allowance for loan losses | 9,856,000 | 9,480,000 | 9,435,000 | 9,143,000 |
| Securities available for sale | 336,334,000 | 341,113,000 | 202,790,000 | 188,049,000 |
| Securities held to maturity | 26,411,000 | 25,361,000 | 24,320,000 | 30,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 725,369,000 | 691,740,000 | 698,297,000 | 712,885,000 |
| Interest-bearing deposits | 603,529,000 | 583,669,000 | 590,794,000 | 598,347,000 |
| Noninterest-bearing deposits | 121,840,000 | 108,071,000 | 107,503,000 | 114,538,000 |
| Equity capital | 95,658,000 | 98,395,000 | 89,237,000 | 88,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,662,000 | 23,339,000 | 34,775,000 | 45,696,000 |
| Interest expense | 4,962,000 | 10,248,000 | 15,833,000 | 20,109,000 |
| Net interest income | 6,700,000 | 13,091,000 | 18,942,000 | 25,587,000 |
| Noninterest income | 1,474,000 | 3,077,000 | 4,593,000 | 6,166,000 |
| Noninterest expense | 7,614,000 | 15,122,000 | 35,765,000 | 43,597,000 |
| Provision for loan losses | 0 | -275,000 | -175,000 | -175,000 |
| Pretax income | 638,000 | 1,399,000 | -14,554,000 | -14,168,000 |
| Income tax | -351,000 | -180,000 | -5,783,000 | -5,664,000 |
| Net income | 924,000 | 1,440,000 | -8,901,000 | -8,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,479,000 | 89,211,000 | 80,086,000 | 80,581,000 |
| Total capital | 95,928,000 | 96,644,000 | 87,690,000 | 88,195,000 |
| Risk-weighted assets | 601,623,000 | 594,615,000 | 608,352,000 | 609,128,000 |
Machine access — free, no API key
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