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Regulatory Capital
 3 Months Ended
Mar. 31, 2012
Regulatory Capital [Abstract]  
Regulatory Capital
12. 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 March 31, 2012, 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 8.24% at March 31, 2012 (in thousands, except ratios).

 

     At March 31, 2012  
     Actual    For Capital
Adequacy
Purposes		     To Be Well
Capitalized Under
Prompt Corrective
Action Provisions		  
     Amount      Ratio    Amount      Ratio     Amount      Ratio  

Total Capital (To Risk Weighted Assets) Consolidated

    $ 121,345       17.22%    $ 56,359         8.00 %    $ 70,449         10.00 % 

AmeriServ Financial Bank

      101,993       14.60      55,887         8.00        69,859         10.00   

Tier 1 Capital (To Risk Weighted Assets) Consolidated

      112,468       15.96      28,180         4.00        42,269         6.00   

AmeriServ Financial Bank

      93,189       13.34      27,944         4.00        41,916         6.00   

Tier 1 Capital (To Average Assets) Consolidated

      112,468       11.83      38,015         4.00        47,518         5.00   

AmeriServ Financial Bank

      93,189       10.03      37,158         4.00        46,447         5.00   

 

     At December 31, 2011  
     Actual     For Capital
Adequacy
Purposes		     To Be Well
Capitalized Under
Prompt Corrective
Action Provisions		  
     Amount      Ratio     Amount      Amount     Ratio      Amount  

Total Capital (To Risk Weighted Assets) Consolidated

    $ 120,315         17.60 %    $ 54,702         8.00 %    $ 68,377         10.00 % 

AmeriServ Financial Bank

      101,406         14.96        54,231         8.00        67,789         10.00   

Tier 1 Capital (To Risk Weighted Assets) Consolidated

      111,683         16.33        27,351         4.00        41,026         6.00   

AmeriServ Financial Bank

      92,847         13.70        27,116         4.00        40,673         6.00   

Tier 1 Capital (To Average Assets) Consolidated

      111,683         11.66        38,317         4.00        47,896         5.00   

AmeriServ Financial Bank

      92,847         9.90        37,498         4.00        46,872         5.00