Ameriserv Financial Bank in Johnstown, Pennsylvania (PA)



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Ameriserv Financial Bank routing number info

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Ameriserv Financial Bank
GeneralFDIC Certificate #: 7542
Status: Active
Federal Reserve ID: 928618
Bank Holding Company (Regulatory Top Holder): Ameriserv Financial, Inc (RSSDID: 1117316, Location: Johnstown, PA)
Date Established: September 23, 1933
WWW: http://www.ameriserv.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 18 (Domestic: 18, Interstate: No)
OTS Docket #: 11474
FDIC's unique #: 4895
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 21, 2010
Last Structure Change Process Date: May 21, 2010
Last Data Update: May 21, 2010
Data Source Date: April 05, 2012
LocationAddress: 216 Franklin Street, Johnstown, PA 15901
County: Cambria
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Johnstown, PA (#3680)
Core Based Statistical Area (CBSA): Johnstown, PA (#27780)
CBSA Metro Statistical Area: Johnstown, PA (#27780)
Financial SummaryTotal assets: $952.1 mil
Equity capital: $103.0 mil
Deposits held in domestic offices: $816.6 mil
Return on assets (ROA): 0.78% ($7.4 mil)
Quarterly return on assets: 0.83% ($7.9 mil)
Return on Equity (ROE): 7.24% ($7.5 mil)
Quarterly return on equity: 7.62% ($7.8 mil)
Net income: $7.3 mil
Quarterly Net income: $2.0 mil
Pretax return on assets: 1.13% ($10,758.5 mil)
Quarterly Pretax return on assets: 1.18% ($11,234.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)272
Total assets$952,077
Cash and due from depository institutions$28,343
Interest-bearing balances$1,866
Securities$181,901
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$656,224
Loan loss allowance $14,623
Trading account assets$0
Bank premises and fixed assets$10,509
Other real estate owned$104
Goodwill and other intangibles$12,613
All other assets$62,383
Life insurance assets$952,077
Total liabilities and capital$849,067
Total liabilities$816,620
Total deposits$674,438
Interest-bearing deposits$816,620
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$21,765
Other borrowed funds $0
Subordinated debt $10,682
All other liabilities $103,010
Total equity capital$103,010
Total bank equity capital$103,010
Perpetual preferred stock$0
Common stock$2,642
Surplus$68,184
Undivided profits $32,184
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $7,110
Income earned, not collected on loans $5,075
Earning assets $0
Long-term assets (5+ years) $3,169
Average Assets, year-to-date $839,991
Average Assets, quarterly $175,235
Volatile liabilities $938,901
Insider loans $950,850
FHLB advances $677,888
Loans and leases held for sale $937,438
Unused loan commitments $35,351
Tier 1 (core) risk-based capital $35,351
Tier 2 risk-based capital $92,847
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $124,820
Derivatives$1,185
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $41,503
Total interest expense $8,560
Net interest income $32,943
Provision for loan and lease losses -$3,575
Total noninterest income $7,425
Fiduciary activities $0
Service charges on deposit accounts $2,383
Trading account gains & fees $0
Additional noninterest income $5,042
Total noninterest expense $33,022
Salaries and employee benefits $17,100
Premises and equipment expense $4,223
Additional noninterest expense $11,699
Pre-tax net operating income $10,921
Securities gains (losses) -$332
Applicable income taxes $3,260
Income before extraordinary items $7,329
Extraordinary gains - net $0
Net income attributable to bank $7,329
Net charge-offs $0
Cash dividends $7,329
Sale, conversion, retirement of capital stock, net $1,567
Net operating income $2,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.99%
Cost of funding earning assets 1.03%
Net interest margin 3.96%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 3.97%
Net operating income to assets 0.80%
Return on assets (ROA) 0.78%
Pretax return on assets 1.13%
Return on equity (ROE) 7.24%
Retained earnings to average equity (YTD only) 4.77%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs -228.14%
Efficiency ratio4.69%
Assets per employee$81,802
Cash dividends to net income (YTD only)3.50%
Condition Ratios (%)
Loss allowance to loans 34.11%
Loss allowance to noncurrent loans 2.18%
Noncurrent assets plus other real estate owned to assets 288.14%
Noncurrent loans to loans 0.54%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 80.36%
Equity capital to assets 85.95%
Core capital (leverage) ratio 10.82%
Tier 1 risk-based capital ratio 9.90%
Total risk-based capital ratio 13.70%
Memoranda
Average assets$15
Average earning assets$938,901
Average equity $101,218
Average loans $831,365
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18 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04895Ameriserv Financial Bank216 Franklin Street, Johnstown, PA 15901September 23, 1933Full Service Brick and Mortar
1215878Carrolltown BranchMain And Church Streets, Carrolltown, PA 15722December 13, 1965Full Service Brick and Mortar
2215879Central City Branch104 Sunshine Avenue, Central City, PA 15926December 02, 1962Full Service Brick and Mortar
4215881West End Branch163 Fairfield Avenue, Johnstown, PA 15905September 05, 1951Full Service Brick and Mortar
7215884Nanty-Glo Branch928 Roberts Street, Nanty-Glo, PA 15943June 19, 1961Full Service Brick and Mortar
9215886Somerset Branch108 West Main Street, Somerset, PA 15501October 17, 1960Full Service Brick and Mortar
10215887Windber Branch1501 Somerset Avenue, Windber, PA 15963June 05, 1963Full Service Brick and Mortar
12215889Lovell Park BranchSthy 160, Ebensburg, PA 15931October 28, 1974Full Service Brick and Mortar
14215891University Heights Branch1404 Eisenhower Boulevard, Johnstown, PA 15904August 25, 1976Full Service Brick and Mortar
16215892Seward Branch#1 Roadway Plaza, Seward, PA 15954November 01, 1976Full Service Brick and Mortar
18217020Derry Branch112 South Chestnut, Derry, PA 15627October 15, 1962Full Service Brick and Mortar
23226290Westmont Branch110 Minno Drive, Johnstown, PA 15905July 23, 1973Full Service Brick and Mortar
25226292Franklin Street Branch1059 Franklin Street, Johnstown, PA 15905April 22, 1985Full Service Brick and Mortar
26226293Gallaria Branch500 Gallaria Drive, Johnstown, PA 15904December 11, 1992Full Service Brick and Mortar
28273245Northern Cambria Office4206 Crawford Ave, Northern Cambria, PA 15714September 01, 1934Full Service Brick and Mortar
33362841South Atherton Branch734 South Atherton Street, State College, PA 16801September 17, 2001Full Service Brick and Mortar
34362847Pittsburgh Branch60 Boulevard Of Allies Suite 100, Pittsburgh, PA 15222November 19, 2001Full Service Brick and Mortar
37521489North Atherton Branch1857 North Atherton Street, State College, PA 16803October 04, 2010Full Service Brick and Mortar
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