AMERISERV FINANCIAL INCASRV
| Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 |
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Taxable | 36 | 35 | 35 | 36 | 38 | 38 | 39 | 41 | 43 | 41 | 40 | 41 |
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Tax exempt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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Interest bearing deposits | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 |
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Short-term investments | - | - | - | - | - | - | - | - | - | - | 0 | 0 |
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Available for sale | - | - | - | - | - | - | - | - | 5 | 5 | 5 | 6 |
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Held to maturity | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
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Total Interest Income | 42 | 40 | 39 | 40 | 42 | 42 | 44 | 47 | 50 | 47 | 47 | 49 |
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Deposits | 8 | 7 | 5 | 5 | 5 | 5 | 6 | 8 | 11 | 8 | 5 | 6 |
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Short-term borrowings | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 |
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Advances from Federal Home Loan Bank | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Financing lease liabilities | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 |
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Interest Expense, Junior Subordinated Debentures | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | - |
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Subordinated debt | - | - | - | - | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Total Interest Expense | 10 | 8 | 6 | 6 | 7 | 8 | 9 | 12 | 14 | 11 | 8 | 8 |
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Net Interest Income | 32 | 32 | 33 | 34 | 35 | 34 | 36 | 35 | 35 | 36 | 39 | 41 |
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Provision for loan losses | - | - | -1 | 0 | 1 | 4 | 1 | -1 | 1 | 2 | 1 | 0 |
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Net Interest Income after Provision for Loan Losses | 36 | 33 | 34 | 34 | 34 | 30 | 35 | 36 | 35 | 34 | 38 | 41 |
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Wealth management fees | - | - | - | - | - | - | - | - | - | 10 | 12 | 12 |
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Service charges on deposit accounts | - | - | - | - | - | - | - | - | - | 1 | 1 | 1 |
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Non-interest income | 42 | 40 | 39 | 40 | 42 | 42 | 44 | 47 | 50 | 47 | 47 | 49 |
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Net gains on loans held for sale | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 2 | 1 | 0 |
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Mortgage related fees | - | - | - | - | - | - | - | 0 | 0 | 1 | 0 | 0 |
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Bank owned life insurance | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Other income | 3 | 3 | 3 | 2 | 2 | 3 | 3 | 2 | 2 | 2 | 3 | 3 |
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Total non-interest income | 14 | 15 | 16 | 14 | 15 | 15 | 15 | 14 | 15 | 16 | 18 | 17 |
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Labor and Related Expense | 23 | 24 | 25 | 25 | 24 | 24 | 24 | 24 | 25 | 27 | 28 | 28 |
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Occupancy, Net | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 3 | 3 | 3 |
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Equipment expense | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 2 | 2 |
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Professional fees | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 3 |
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Data processing and IT expense | - | - | - | - | - | - | - | - | - | - | - | 4 |
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Supplies and Postage Expense | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Taxes, Other | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
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Federal deposit insurance expense | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 |
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Branch acquisition costs | - | - | - | - | - | - | - | - | - | - | 0 | - |
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Other expense | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 5 | 7 | 5 |
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Total Non-Interest Expense | 40 | 41 | 42 | 43 | 41 | 42 | 41 | 41 | 42 | 44 | 47 | 48 |
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PRETAX INCOME | 9 | 7 | 7 | 5 | 8 | 3 | 9 | 9 | 8 | 6 | 9 | 9 |
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Provision for income taxes | 3 | 2 | 2 | 2 | 2 | 1 | 5 | 2 | 2 | 1 | 2 | 2 |
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NET INCOME | 7 | 5 | 5 | 3 | 6 | 2 | 3 | 8 | 6 | 5 | 7 | 7 |
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Net income | 0.24 | 0.21 | 0.26 | 0.15 | 0.31 | 0.12 | 0.18 | 0.43 | 0.35 | 0.27 | 0.41 | 0.44 |
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Net income | 0.24 | 0.21 | 0.26 | 0.15 | 0.31 | 0.12 | 0.18 | 0.43 | 0.35 | 0.27 | 0.41 | 0.43 |
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Cash dividends declared | - | - | 0.03 | 0.04 | 0.04 | 0.05 | 0.06 | 0.075 | 0.095 | 0.1 | 0.1 | 0.115 |
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