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Income Statement
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Balance Sheet
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Income Overview
Net Income
$2,544K
EPS
$0.15
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-09-30
Interest and fees on loans
15,688
14,932
14,508
14,301
Interest bearing deposits and short-term investments
144
175
114
55
Available for sale
1,967
1,876
1,810
1,765
Held to maturity
640
665
590
587
Trading securities
44
41
-
-
Total interest income
18,483
17,689
17,022
16,708
Deposits
6,549
6,408
6,124
6,515
Short-term borrowings
111
43
76
417
Advances from federal home loan bank
528
555
602
600
Financing lease liabilities
25
25
26
26
Subordinated debt
263
264
263
263
Total interest expense
7,476
7,295
7,091
7,821
Net interest income
11,007
10,394
9,931
8,887
Provision (recovery) for credit losses
360
3,133
-97
-51
Net interest income after provision (recovery) for credit losses
10,647
7,261
10,028
8,938
Non-interest income-Asset Management1
2,849
-
-
-
Non-interest income-Deposit Account
303
-
-
-
Non-interest income-Asset Management1
-
2,782
-
-
Mortgage banking revenue
39
58
28
-
Non-interest income-Deposit Account
-
267
-
-
Trading securities revenue
55
35
-
-
Non-interest income
-
-
3,139
-
Bank owned life insurance
533
244
264
-
Other income
622
710
690
-
Total non-interest income
4,401
4,096
4,121
4,203
Salaries and employee benefits
7,317
7,076
7,223
7,122
Net occupancy expense
705
746
841
706
Equipment expense
376
404
390
371
Professional fees
601
903
685
792
Data processing and it expense
1,247
1,153
1,252
1,287
Supplies, postage and freight
176
172
174
163
Miscellaneous taxes and insurance
366
364
348
339
Federal deposit insurance expense
260
240
240
255
Other expense
916
651
610
686
Total non-interest expense
11,964
11,709
11,763
11,721
Pretax income
3,084
-352
2,386
1,420
Provision for income taxes
540
-70
478
237
Net income
2,544
-282
1,908
1,183
Basic EPS
0.15
-0.02
0.12
0.07
Diluted EPS
0.15
-0.02
0.12
0.07
Basic Average Shares
16,519,267
16,519,000
16,519,000
16,519,000
Diluted Average Shares
16,519,368
16,519,000
16,519,000
16,519,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$15,688K
(9.70%↑ Y/Y)
Available for sale
$1,967K
(11.44%↑ Y/Y)
Held to maturity
$640K
(9.03%↑ Y/Y)
Interest bearing
deposits and short-term...
$144K
(161.82%↑ Y/Y)
Trading securities
$44K
Total interest income
$18,483K
(10.62%↑ Y/Y)
Net interest income
$11,007K
(23.86%↑ Y/Y)
Non-interest income-Asset
Management1
$2,849K
Other income
$622K
Bank owned life
insurance
$533K
Non-interest income-Deposit
Account
$303K
Trading securities
revenue
$55K
Mortgage banking revenue
$39K
Total interest
expense
$7,476K
(-4.41%↓ Y/Y)
Net interest income
after provision...
$10,647K
(19.12%↑ Y/Y)
Total non-interest
income
$4,401K
(4.71%↑ Y/Y)
Provision (recovery) for
credit losses
$360K
(805.88%↑ Y/Y)
Deposits
$6,549K
(0.52%↑ Y/Y)
Advances from federal
home loan bank
$528K
(-12.00%↓ Y/Y)
Subordinated debt
$263K
(0.00%↑ Y/Y)
Short-term borrowings
$111K
(-73.38%↓ Y/Y)
Financing lease
liabilities
$25K
(-3.85%↓ Y/Y)
Pretax income
$3,084K
(117.18%↑ Y/Y)
Total non-interest
expense
$11,964K
(2.07%↑ Y/Y)
Net income
$2,544K
(115.05%↑ Y/Y)
Provision for income taxes
$540K
(127.85%↑ Y/Y)
Salaries and employee
benefits
$7,317K
(2.74%↑ Y/Y)
Data processing and
it expense
$1,247K
(-3.11%↓ Y/Y)
Other expense
$916K
(33.53%↑ Y/Y)
Net occupancy
expense
$705K
(-0.14%↓ Y/Y)
Professional fees
$601K
(-24.12%↓ Y/Y)
Equipment expense
$376K
(1.35%↑ Y/Y)
Miscellaneous taxes and
insurance
$366K
(7.96%↑ Y/Y)
Federal deposit
insurance expense
$260K
(1.96%↑ Y/Y)
Supplies, postage and
freight
$176K
(7.98%↑ Y/Y)
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AMERISERV FINANCIAL INC PA (ASRV)
AMERISERV FINANCIAL INC PA (ASRV)