Call reports 2015
AMERISERV FINANCIAL BANK — 2015
What AMERISERV FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,074,283,000 | 1,082,819,000 | 1,079,702,000 | 1,108,994,000 |
| Total loans | 853,972,000 | 866,243,000 | 868,213,000 | 883,987,000 |
| Allowance for loan losses | 9,689,000 | 9,717,000 | 9,772,000 | 9,921,000 |
| Securities available for sale | 108,998,000 | 108,054,000 | 103,452,000 | 108,785,000 |
| Securities held to maturity | 19,175,000 | 19,278,000 | 20,059,000 | 21,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 892,876,000 | 863,102,000 | 870,099,000 | 903,494,000 |
| Interest-bearing deposits | 721,602,000 | 701,028,000 | 711,525,000 | 714,347,000 |
| Noninterest-bearing deposits | 171,274,000 | 162,074,000 | 158,574,000 | 189,147,000 |
| Equity capital | 101,504,000 | 101,592,000 | 102,274,000 | 100,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,446,000 | 20,779,000 | 31,354,000 | 41,570,000 |
| Interest expense | 1,309,000 | 2,638,000 | 3,989,000 | 5,395,000 |
| Net interest income | 9,137,000 | 18,141,000 | 27,365,000 | 36,175,000 |
| Noninterest income | 1,625,000 | 3,133,000 | 4,665,000 | 6,339,000 |
| Noninterest expense | 8,453,000 | 16,690,000 | 24,928,000 | 33,085,000 |
| Provision for loan losses | 250,000 | 450,000 | 750,000 | 1,250,000 |
| Pretax income | 2,059,000 | 4,162,000 | 6,344,000 | 8,250,000 |
| Income tax | 642,000 | 1,291,000 | 1,870,000 | 2,312,000 |
| Net income | 1,417,000 | 2,871,000 | 4,474,000 | 5,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,106,000 | 95,541,000 | 95,906,000 | 96,092,000 |
| Total capital | 105,692,000 | 106,168,000 | 106,582,000 | 106,890,000 |
| Risk-weighted assets | 886,568,000 | 898,841,000 | 902,230,000 | 916,201,000 |