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Regulatory Capital
9 Months Ended
Sep. 30, 2011
Regulatory Capital [Abstract] 
Regulatory Capital
13. Regulatory Capital

The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. As of September 30, 2011, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company's tangible common equity ratio was 8.38% at September 30, 2011 (in thousands, except ratios).

 

     AS OF SEPTEMBER 30, 2011  
     ACTUAL     FOR CAPITAL
ADEQUACY
PURPOSES		     TO BE WELL
CAPITALIZED
UNDER PROMPT
CORRECTIVE
ACTION
PROVISIONS		  
     AMOUNT      RATIO     AMOUNT      RATIO     AMOUNT      RATIO  
     (IN THOUSANDS, EXCEPT RATIOS)  

Total Capital (To Risk Weighted Assets)

                

Consolidated

    $ 119,698         17.31 %    $ 55,325         8.00 %    $ 69,157         10.00 % 

AmeriServ Financial Bank

      100,987         14.72        54,882         8.00        68,603         10.00   

Tier 1 Capital (To Risk Weighted Assets)

                

Consolidated

      110,953         16.04        27,663         4.00        41,494         6.00   

AmeriServ Financial Bank

      92,310         13.46        27,441         4.00        41,162         6.00   

Tier 1 Capital (To Average Assets)

                

Consolidated

      110,953         11.70        37,918         4.00        47,398         5.00   

AmeriServ Financial Bank

      92,310         9.96        37,079         4.00        46,349         5.00   

 

     AS OF DECEMBER 31, 2010  
     ACTUAL     FOR CAPITAL
ADEQUACY
PURPOSES		     TO BE WELL
CAPITALIZED
UNDER PROMPT
CORRECTIVE
ACTION
PROVISIONS		  
     AMOUNT      RATIO     AMOUNT      RATIO     AMOUNT      RATIO  
     (IN THOUSANDS, EXCEPT RATIOS)  

Total Capital (To Risk Weighted Assets)

                

Consolidated

    $ 113,954         16.54 %    $ 55,118         8.00 %    $ 68,898         10.00 % 

AmeriServ Financial Bank

      92,172         13.57        54,333         8.00        67,916         10.00   

Tier 1 Capital (To Risk Weighted Assets)

                

Consolidated

      105,193         15.27        27,559         4.00        41,339         6.00   

AmeriServ Financial Bank

      83,533         12.30        27,166         4.00        40,749         6.00   

Tier 1 Capital (To Average Assets)

                

Consolidated

      105,193         11.20        37,555         4.00        46,944         5.00   

AmeriServ Financial Bank

      83,533         9.13        36,588         4.00        45,735         5.00