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Regulatory Capital | 3 Months Ended
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Mar. 31, 2013
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 March 31, 2013, 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 7.88% at March 31, 2013 (in thousands, except ratios).
|  | At March 31, 2013
|  | 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 |  | $ | 123,873 |  |  |  | 16.11 | % |  | $ | 61,510 |  |  |  | 8.00 | % |  | $ | 76,887 |  |  |  | 10.00 | %
AmeriServ Financial Bank |  |  | 101,589 |  |  |  | 13.34 |  |  |  | 60,924 |  |  |  | 8.00 |  |  |  | 76,155 |  |  |  | 10.00 |
Tier 1 Capital (To Risk Weighted Assets) Consolidated |  |  | 114,237 |  |  |  | 14.86 |  |  |  | 30,755 |  |  |  | 4.00 |  |  |  | 46,132 |  |  |  | 6.00 |
AmeriServ Financial Bank |  |  | 92,044 |  |  |  | 12.09 |  |  |  | 30,462 |  |  |  | 4.00 |  |  |  | 45,693 |  |  |  | 6.00 |
Tier 1 Capital (To Average Assets) Consolidated |  |  | 114,237 |  |  |  | 11.58 |  |  |  | 39,475 |  |  |  | 4.00 |  |  |  | 49,343 |  |  |  | 5.00 |
AmeriServ Financial Bank |  |  | 92,044 |  |  |  | 9.55 |  |  |  | 38,557 |  |  |  | 4.00 |  |  |  | 48,197 |  |  |  | 5.00 |
|  | At December 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 |  | $ | 122,583 |  |  |  | 15.92 | % |  | $ | 61,588 |  |  |  | 8.00 | % |  | $ | 76,985 |  |  |  | 10.00 | %
AmeriServ Financial Bank |  |  | 101,786 |  |  |  | 13.34 |  |  |  | 61,060 |  |  |  | 8.00 |  |  |  | 76,325 |  |  |  | 10.00 |
Tier 1 Capital (To Risk Weighted Assets) Consolidated |  |  | 112,916 |  |  |  | 14.67 |  |  |  | 30,794 |  |  |  | 4.00 |  |  |  | 46,191 |  |  |  | 6.00 |
AmeriServ Financial Bank |  |  | 92,200 |  |  |  | 12.08 |  |  |  | 30,530 |  |  |  | 4.00 |  |  |  | 45,795 |  |  |  | 6.00 |
Tier 1 Capital (To Average Assets) Consolidated |  |  | 112,916 |  |  |  | 11.44 |  |  |  | 39,474 |  |  |  | 4.00 |  |  |  | 49,343 |  |  |  | 5.00 |
AmeriServ Financial Bank |  |  | 92,200 |  |  |  | 9.55 |  |  |  | 38,616 |  |  |  | 4.00 |  |  |  | 48,269 |  |  |  | 5.00 |

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958572-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958573-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Paragraph 15, 16, 17 -IssueDate 2006-05-01 -Chapter 17 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958574-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958570-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=7881181&loc=d3e65071-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958569-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958575-112826 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958577-112826 + Details
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