AmeriServ Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	58.79	60.16	56.76	51.63	41.48	40.59
Interest Income on Investments	13.24	11.19	9.75	9.23	7.57	6.08
Total Interest Income	72.03	71.35	66.51	60.86	49.06	46.67
Interest Paid on Deposits	24.36	25.47	25.45	21.01	6.42	4.81
Interest Paid on Borrowings	3.13	3.62	5.01	3.83	2.07	2.78
Total Interest Expense	27.49	29.09	30.46	24.84	8.5	7.59
Net Interest Income	44.54	42.26	36.05	36.02	40.56	39.08
Net Interest Income Growth	8.98%	17.24%	0.08%	-11.20%	3.79%	7.47%
Trust Income	12.46	11.56	12.32	11.27	11.62	11.99
Mortgage Banking Activities	0.26	0.18	0.3	0.13	0.12	0.36
Gain (Loss) on Sale of Investments	-0.43	0.12	-	0.83	-0.02	0.13
Other Non-Interest Income	4.11	3.98	4.17	2.83	3.66	3.66
Total Non-Interest Income	17.42	16.99	17.98	16.39	16.69	17.76
Non-Interest Income Growth	2.06%	-5.49%	9.68%	-1.81%	-6.02%	9.13%
Revenues Before Loan Losses	61.96	59.25	54.02	52.41	57.26	56.84
Provision for Loan Losses	0.64	4.12	0.88	7.43	0.05	1.1
Revenue	61.32	55.13	53.14	44.98	57.21	55.74
Revenue Growth	14.64%	3.75%	18.14%	-21.37%	2.62%	10.90%
Salaries and Employee Benefits	29.19	28.94	28.38	29.58	28.44	27.8
Occupancy Expenses	3.07	2.98	2.97	2.92	2.88	2.62
Federal Deposit Insurance	0.83	0.99	1.02	0.72	0.52	0.66
Selling, General & Administrative	12.92	10.97	11.82	12.08	9.49	8.83
Other Non-Interest Expense	4.19	4.46	4.56	4.07	6.67	6.67
Total Non-Interest Expense	50.2	48.34	48.74	49.37	48	46.58
EBT Excluding Unusual Items	11.12	6.8	4.4	-4.39	9.2	9.16
Pretax Income	11.12	6.8	4.4	-4.39	9.2	8.77
Income Tax Expense	2.05	1.18	0.8	-1.04	1.75	1.7
Net Income	9.07	5.61	3.6	-3.35	7.45	7.07
Net Income to Common	9.07	5.61	3.6	-3.35	7.45	7.07
Net Income Growth	79.36%	55.85%	-	-	5.32%	53.81%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change	2.70%	-1.62%	-1.99%	-0.01%	0.19%	0.30%
EPS (Basic)	0.53	0.34	0.21	-0.20	0.44	0.41
EPS (Diluted)	0.53	0.34	0.21	-0.20	0.43	0.41
EPS Growth	78.33%	61.77%	-	-	4.88%	52.06%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.030	0.120	0.120	0.120	0.115	0.100
Dividend Growth	-75.00%	0%	0%	4.35%	15.00%	0%
Effective Tax Rate	18.42%	17.42%	18.14%	-	19.05%	19.40%

SEC Filings: 10-K · 10-Q