Call reports 2007
AMERISERV FINANCIAL BANK — 2007
What AMERISERV FINANCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 881,286,000 | 865,863,000 | 887,487,000 | 894,193,000 |
| Total loans | 603,834,000 | 604,639,000 | 629,564,000 | 636,155,000 |
| Allowance for loan losses | 8,010,000 | 7,911,000 | 7,119,000 | 7,252,000 |
| Securities available for sale | 154,090,000 | 142,962,000 | 139,731,000 | 137,715,000 |
| Securities held to maturity | 20,358,000 | 20,053,000 | 18,774,000 | 18,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 769,147,000 | 763,102,000 | 763,971,000 | 710,639,000 |
| Interest-bearing deposits | 661,053,000 | 660,549,000 | 653,217,000 | 597,059,000 |
| Noninterest-bearing deposits | 108,094,000 | 102,553,000 | 110,754,000 | 113,580,000 |
| Equity capital | 89,314,000 | 89,727,000 | 91,810,000 | 93,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,103,000 | 24,324,000 | 36,687,000 | 49,038,000 |
| Interest expense | 5,940,000 | 11,953,000 | 18,106,000 | 24,034,000 |
| Net interest income | 6,163,000 | 12,371,000 | 18,581,000 | 25,004,000 |
| Noninterest income | 1,534,000 | 3,468,000 | 5,822,000 | 8,025,000 |
| Noninterest expense | 7,397,000 | 14,600,000 | 22,136,000 | 29,581,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 300,000 | 1,239,000 | 2,117,000 | 3,148,000 |
| Income tax | 11,000 | 237,000 | 401,000 | 646,000 |
| Net income | 289,000 | 1,002,000 | 1,716,000 | 2,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,072,000 | 81,001,000 | 81,931,000 | 75,962,000 |
| Total capital | 88,173,000 | 89,032,000 | 89,425,000 | 83,612,000 |
| Risk-weighted assets | 647,813,000 | 642,249,000 | 659,768,000 | 655,726,000 |
Machine access — free, no API key
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