| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 4,170 | 1,626 |
| Provision (recovery) for credit losses | 3,396 | 3,036 |
| Depreciation and amortization expense | 1,553 | 1,053 |
| Amortization expense of core deposit intangible | 16 | 11 |
| Amortization of fair value adjustment on acquired time deposits | -1 | -1 |
| Net (accretion) amortization of investment securities | 41 | 25 |
| Net amortization of deferred loan fees | 129 | 84 |
| Net gains on loans held for sale | 78 | 56 |
| Origination of mortgage loans held for sale | 4,327 | 3,201 |
| Sales of mortgage loans held for sale | 4,865 | 3,557 |
| Increase in accrued interest receivable | 535 | 252 |
| Increase (decrease) in accrued interest payable | 39 | 669 |
| Earnings on bank owned life insurance | 1,041 | 508 |
| Deferred income taxes | 593 | 234 |
| Net change in trading securities | 4,462 | 4,205 |
| Net change in operating leases | 133 | 88 |
| Other, net | 1,944 | 1,229 |
| Net cash provided by (used in) operating activities | 1,941 | 537 |
| Purchase of investment securities - available for sale | 36,302 | 25,856 |
| Purchase of investment securities - held to maturity | 8,959 | 5,958 |
| Proceeds from sale of investment securities - available for sale | - | 0 |
| Proceeds from maturities of investment securities - available for sale | 27,572 | 14,885 |
| Proceeds from maturities of investment securities - held to maturity | 5,669 | 2,283 |
| Purchase of regulatory stock | 9,866 | 5,631 |
| Proceeds from redemption of regulatory stock | 10,585 | 6,084 |
| Net decrease (increase) in loans | -9,399 | 4,047 |
| Purchase of premises and equipment | 647 | 141 |
| Proceeds from sale of other real estate owned and repossessed assets | 1,424 | 1,414 |
| Proceeds from life insurance policies | 1,911 | 351 |
| Net cash provided by investing activities | 786 | -16,616 |
| Net increase in deposit balances | 57,594 | 43,539 |
| Net decrease in other short-term borrowings | -14,642 | -11,954 |
| Principal borrowings on advances from federal home loan bank | 1,908 | 1,408 |
| Principal repayments on advances from federal home loan bank | 9,943 | 8,543 |
| Principal payments on financing lease liabilities | 140 | 93 |
| Common stock dividend paid | 1,486 | 991 |
| Net cash provided by financing activities | 33,291 | 23,366 |
| Net increase in cash and cash equivalents | 36,018 | 7,287 |
| Cash and cash equivalents at beginning of period | 17,746 | - |
| Cash and cash equivalents at end of period | 53,764 | - |
AMERISERV FINANCIAL INC PA (ASRV)
AMERISERV FINANCIAL INC PA (ASRV)