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Regulatory Capital
 6 Months Ended
Jun. 30, 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 June 30, 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 7.84% at June 30, 2012 (in thousands, except ratios).

 

                                                 
    At June 30, 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

   $ 120,616       16.41 %    $ 58,813       8.00 %    $ 73,516       10.00 % 

AmeriServ Financial Bank

     102,812       14.09       58,378       8.00       72,973       10.00  

Tier 1 Capital (To Risk Weighted Assets)

                                                

Consolidated

     111,366       15.15       29,406       4.00       44,109       6.00  

AmeriServ Financial Bank

     93,629       12.83       29,189       4.00       43,784       6.00  

Tier 1 Capital (To Average Assets)

                                                

Consolidated

     111,366       11.60       38,400       4.00       48,000       5.00  

AmeriServ Financial Bank

     93,629       9.96       37,596       4.00       46,996       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