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Profile - AmeriServ Financial, Inc. (NasdaqNM:ASRV)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | Msgs | Insider
Recent Events
Aug  1Price hit new 52-week high ($5.99)
Upcoming Events
Oct  3Dividend payment of $0.09
Location
Main & Franklin Streets, P.O. Box 430
Johnstown, PA 15907
Phone: (814) 533-5300
Fax: (814) 533-5427
Employees (last reported count): 538
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 10%
·Over the last 6 months:
 · 10 insider buys; 14.0K shares (1.0% of insider shares)
 · 2 insider sells; 4,000  shares
  (0.3% of insider shares)
·Institutional: 26% (29% of float)
(40 institutions)
·Net Inst. Buying: 106.0K shares (+2.96%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
AmeriServ Financial, Inc., formerly known as USBANCORP, Inc., is a financial holding company whose principal activities consist of owning and operating its five wholly owned subsidiary entities, which include U.S. Bank, USBANCORP Trust and Financial Services, Standard Mortgage Corporation, and United Life. At December 31, 2000, the Company had, on a consolidated basis, total assets and deposits of $1.25 billion and $659 million, respectively. The Company and the subsidiary entities derive substantially all of their income from banking and bank-related services. The Company functions primarily as a coordinating and servicing unit for its subsidiary entities in general management, accounting and taxes, loan review, auditing, investment accounting, compliance, marketing, insurance risk management, general corporate services, and financial and strategic planning.
More from Market Guide: Expanded Business Description

Financial Summary
AmeriServ Financial is a financial holding company for U.S. Bank, USBANCORP Trust and Financial Services Company, and other non-bank subsidiaries. For the six months ended 6/30/01, total interest income fell 34% to $42.2 million. Net interest income after loan loss prov. fell 40% to $13.6 million. Net income fell 49% to $1.3 million. Results reflect the exit from the wholesale mortgage production business, lower net interest margin and lower service charges on deposits.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1999 Compensation
PayExer

Orlando Hanselman, 40
Chairman, Pres, CEO
$261K$25.9K
Kevin O'Neil, 62
Pres and CEO, Standard Mortgage Corp. of Georgia
169K3.3K
W. Harrison Vail, 59
Pres and CEO of Three Rivers Bank
228K21.1K
Ronald Virag, 54
Pres and CEO, USBANCORP Trust and Financial Services Company
145K43.1K
Dollar amounts are as of 31-Dec-1999 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:ASRVAs of 31-Aug-2001
Price and Volume
52-Week Low
on 25-Sep-2000
$3.625
Recent Price$5.35 
52-Week High
on 1-Aug-2001
$5.99 
Beta0.66 
Daily Volume (3-month avg)14.1K
Daily Volume (10-day avg)6,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+22.3%
52-Week Change
relative to S&P500
+64.1%
Share-Related Items
Market Capitalization$72.7M
Shares Outstanding13.6M
Float12.2M
Dividends & Splits
Annual Dividend (indicated)$0.36 
Dividend Yield6.73%
Last Split: 3 for 1 on 3-Aug-1998
Per-Share Data
Book Value (mrq)$5.78 
Earnings (ttm)$0.03 
Earnings (mrq)$0.05 
Sales (ttm)$6.36 
Cash (mrq)$2.76 
Valuation Ratios
Price/Book (mrq)0.93 
Price/Earnings (ttm)167.19 
Price/Sales (ttm)0.84 
Income Statements
Sales (ttm)$85.6M
EBITDAN/A 
Income available to common (ttm)$429.0K
Profitability
Profit Margin (ttm)0.5%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.03%
Return on Equity (ttm)0.57%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0.01 
Total Cash (mrq)$37.4M
Short Interest
As of 8-Aug-2001
Shares Short5,000 
Percent of Float0.0%
Shares Short
(Prior Month)
5,000 
Short Ratio0.50 
Daily Volume10.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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