Call reports 2016
AMERISERV FINANCIAL BANK — 2016
What AMERISERV FINANCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,103,282,000 | 1,123,593,000 | 1,127,276,000 | 1,134,827,000 |
| Total loans | 882,410,000 | 895,513,000 | 896,301,000 | 886,858,000 |
| Allowance for loan losses | 9,520,000 | 9,746,000 | 9,726,000 | 9,932,000 |
| Securities available for sale | 106,598,000 | 111,702,000 | 110,183,000 | 118,816,000 |
| Securities held to maturity | 22,956,000 | 25,126,000 | 27,518,000 | 30,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 906,973,000 | 941,131,000 | 962,936,000 | 967,986,000 |
| Interest-bearing deposits | 726,425,000 | 767,288,000 | 784,072,000 | 778,978,000 |
| Noninterest-bearing deposits | 180,548,000 | 173,843,000 | 178,864,000 | 189,008,000 |
| Equity capital | 100,331,000 | 101,538,000 | 102,241,000 | 97,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,355,000 | 20,693,000 | 31,119,000 | 41,658,000 |
| Interest expense | 1,455,000 | 2,949,000 | 4,508,000 | 6,096,000 |
| Net interest income | 8,900,000 | 17,744,000 | 26,611,000 | 35,562,000 |
| Noninterest income | 1,314,000 | 2,915,000 | 4,512,000 | 6,125,000 |
| Noninterest expense | 8,373,000 | 16,451,000 | 24,611,000 | 33,026,000 |
| Provision for loan losses | 3,100,000 | 3,350,000 | 3,650,000 | 3,950,000 |
| Pretax income | -1,242,000 | 935,000 | 2,978,000 | 4,827,000 |
| Income tax | -354,000 | 304,000 | 931,000 | 1,448,000 |
| Net income | -888,000 | 631,000 | 2,047,000 | 3,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,690,000 | 95,358,000 | 96,315,000 | 96,796,000 |
| Total capital | 105,065,000 | 105,968,000 | 106,942,000 | 107,618,000 |
| Risk-weighted assets | 914,060,000 | 930,409,000 | 935,816,000 | 948,485,000 |