Ameriserv Financial Bank in Johnstown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Ameriserv Financial Bank in Johnstown, Pennsylvania (PA)
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Ameriserv Financial Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 272Total employees (full-time equivalent)
  • $952,077Total assets
  • $28,343Cash and due from depository institutions
  • $1,866Interest-bearing balances
  • $181,901Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $656,224Net loans & leases
  • $14,623Loan loss allowance
  • $0Trading account assets
  • $10,509Bank premises and fixed assets
  • $104Other real estate owned
  • $12,613Goodwill and other intangibles
  • $952,077Life insurance assets
  • $62,383All other assets
  • $849,067Total liabilities and capital
  • $816,620Total liabilities
  • $674,438Total deposits
  • $816,620Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,765Trading liabilities
  • $0Other borrowed funds
  • $10,682Subordinated debt
  • $103,010All other liabilities
  • $103,010Total equity capital
  • $103,010Total bank equity capital
  • $0Perpetual preferred stock
  • $2,642Common stock
  • $68,184Surplus
  • $32,184Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,110Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,075Income earned, not collected on loans
  • $0Earning assets
  • $3,169Long-term assets (5+ years)
  • $839,991Average Assets, year-to-date
  • $175,235Average Assets, quarterly
  • $938,901Volatile liabilities
  • $950,850Insider loans
  • $677,888FHLB advances
  • $937,438Loans and leases held for sale
  • $35,351Unused loan commitments
  • $35,351Tier 1 (core) risk-based capital
  • $92,847Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $124,820Restructured Loans and leases
  • $1,185Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,503Total interest income
  • $8,560Total interest expense
  • $32,943Net interest income
  • -$3,575Provision for loan and lease losses
  • $7,425Total noninterest income
  • $0Fiduciary activities
  • $2,383Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,042Additional noninterest income
  • $33,022Total noninterest expense
  • $17,100Salaries and employee benefits
  • $4,223Premises and equipment expense
  • $11,699Additional noninterest expense
  • $10,921Pre-tax net operating income
  • -$332Securities gains (losses)
  • $3,260Applicable income taxes
  • $7,329Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,329Net income attributable to bank
  • $0Net charge-offs
  • $7,329Cash dividends
  • $1,567Sale, conversion, retirement of capital stock, net
  • $2,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.97%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 7.24%Return on equity (ROE)
  • 4.77%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • -228.14%Credit loss provision to net charge-offs
  • 4.69%Efficiency ratio
  • 81,802Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.11%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 288.14%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 80.36%Net loans and leases to core deposits
  • 85.95%Equity capital to assets
  • 10.82%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 13.70%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $938,901Average earning assets
  • $101,218Average equity
  • $831,365Average loans

List of branches

  • 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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