Ameriserv Financial Bank

Ameriserv Financial Bank is headquartered in Johnstown and is the 34^th largest bank in the state of Pennsylvania. It is also the 694^th largest bank in the nation. It was established in 1933 and as of December of 2011, it had grown to 272 employees at 18 locations. Ameriserv Financial Bank's savings rates are 4X the national average, and it boasts a 5-star health rating.

Ameriserv Financial Bank Routing Number: 031301066

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Data for Q4 2011

Institution Statistics Ameriserv Financial Bank FDIC Certificate # 7542 BankRate Report View Year Established 1933 Employees 272 Primary Regulator FED Assets and Liabilities Assets $952.08 million Loans $656.22 million Deposits $816.62 million Equity Capital $103.01 million Loan Loss Allowance $14.62 million Unbacked Noncurrent Loans $5.08 million Real Estate Owned $104,000 Historic Data - December 2010 Assets $924.29 million Equity Capital $97.16 million Loan Loss Allowance $19.77 million Unbacked Noncurrent Loans $12.29 million Real Estate Owned $738,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 0.78% Return on Equity 7.24% Interest Income $41.50 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ameriserv Financial Bank had $5.18 million in non-current loans and owned real-estate with $117.63 million in equity and loan loss allowances on hand to cover it. This gives Ameriserv Financial Bank a Texas Ratio of 4.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ameriserv Financial Bank decreased significantly from 11.14% as of December 31, 2010 to 4.40% as of December 31, 2011, resulting in a positive change of 60.48%.This indicates that the balance sheet and financial strength for Ameriserv Financial Bank has improved significantly in recent periods. Deposit Growth In the past year, Ameriserv Financial Bank has increased its total deposits by $15.2 million, resulting in 1.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ameriserv Financial Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ameriserv Financial Bank has $952.08 million in assets with $117.63 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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