Call reports 2008
AMERISERV FINANCIAL BANK — 2008
What AMERISERV FINANCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 906,161,000 | 863,839,000 | 896,286,000 | 937,050,000 |
| Total loans | 632,934,000 | 623,798,000 | 663,996,000 | 707,109,000 |
| Allowance for loan losses | 7,309,000 | 7,963,000 | 8,677,000 | 8,910,000 |
| Securities available for sale | 128,918,000 | 121,115,000 | 121,068,000 | 115,999,000 |
| Securities held to maturity | 14,786,000 | 17,904,000 | 16,126,000 | 15,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,327,000 | 723,113,000 | 689,198,000 | 695,155,000 |
| Interest-bearing deposits | 588,489,000 | 592,597,000 | 578,995,000 | 578,584,000 |
| Noninterest-bearing deposits | 109,838,000 | 130,516,000 | 110,203,000 | 116,571,000 |
| Equity capital | 93,582,000 | 92,735,000 | 92,589,000 | 97,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,203,000 | 23,589,000 | 35,242,000 | 47,510,000 |
| Interest expense | 5,268,000 | 9,471,000 | 13,692,000 | 17,581,000 |
| Net interest income | 6,935,000 | 14,118,000 | 21,550,000 | 29,929,000 |
| Noninterest income | 2,075,000 | 5,845,000 | 7,908,000 | 9,873,000 |
| Noninterest expense | 7,484,000 | 15,057,000 | 22,440,000 | 30,086,000 |
| Provision for loan losses | 150,000 | 1,525,000 | 2,300,000 | 2,925,000 |
| Pretax income | 1,376,000 | 3,244,000 | 4,601,000 | 6,696,000 |
| Income tax | 324,000 | 703,000 | 965,000 | 1,374,000 |
| Net income | 1,052,000 | 2,541,000 | 3,636,000 | 5,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,601,000 | 76,734,000 | 76,827,000 | 83,143,000 |
| Total capital | 83,341,000 | 84,842,000 | 85,744,000 | 92,333,000 |
| Risk-weighted assets | 683,690,000 | 648,371,000 | 713,138,000 | 734,953,000 |
Machine access — free, no API key
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