Company: ASRV
Filing Date: 2025-03-19
Form Type: 10-K
Source: 0001558370-25-003291
Chunk: 37

Company: AMERISERV FINANCIAL INC /PA/
Filing Date: 2025-03-19
Form: 10-K
Item: Item 7
Chunk 37
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080​Shareholders’ equity​  107,248​  102,277​  106,178​  116,549​  104,399​Full-time equivalent employees​  302​  307​  315​  304​  299​SELECTED FINANCIAL RATIOS:​   ​   ​   ​   ​   ​Return on average assets​  0.26%    (0.25)%    0.55%    0.52%    0.37%  Return on average total equity​  3.46​  (3.23)​  6.83​  6.48​  4.52​Loans and loans held for sale, net of unearned income, as a percentage of deposits, at period end​  88.96​  89.64​  89.38​  86.54​  92.74​Common stock cash dividends as a percentage of net income (loss)​  55.99​  (61.48)​  26.41​  24.14​  37.09​Interest rate spread​  2.41​  2.47​  3.11​  3.01​  3.01​Net interest margin​  2.81​  2.86​  3.27​  3.15​  3.19​Allowance for credit losses - loans as a percentage of loans, net of unearned income, at period end​  1.30​  1.45​  1.08​  1.26​  1.16​Non-performing loans as a percentage of loans, at period end​  1.02​  1.19​  0.52​  0.34​  0.34​Net charge-offs as a percentage of average loans​  0.19​  0.35​  0.17​  —​  0.03​

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