Rendering

Component: (Network and Table)
Network
136 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables)
(http://www.ameriserv.com/role/AllowanceForLoanLossesTables)
Table(Implied)
Slicers (applies to each fact value in each table cell)
Allowance for Loan Losses [Abstract]Period [Axis]
2016-01-01 - 2016-12-31
Allowance for Loan Losses [Abstract]
 
Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).
 
 
 
BALANCE AT
DECEMBER 31,
2015
 
CHARGE-
OFFS
 
RECOVERIES
 
PROVISION
(CREDIT)
 
BALANCE AT
DECEMBER 31,
2016
Commercial
 
$
4,244
 
 
$
(3,648
) 
 
$
140
 
 
$
3,305
 
 
$
4,041
 
Commercial loans secured by real estate
 
 
3,449
 
 
 
(13
) 
 
 
40
 
 
 
108
 
 
 
3,584
 
Real estate-mortgage
 
 
1,173
 
 
 
(291
) 
 
 
147
 
 
 
140
 
 
 
1,169
 
Consumer
 
 
151
 
 
 
(344
) 
 
 
30
 
 
 
314
 
 
 
151
 
Allocation for general risk
 
 
904
 
 
 
 
 
 
 
 
 
83
 
 
 
987
 
Total
 
$
9,921
 
 
$
(4,296
) 
 
$
357
 
 
$
3,950
 
 
$
9,932
 
 
 
 
 
 
BALANCE AT
DECEMBER 31,
2014
 
CHARGE-
OFFS
 
RECOVERIES
 
PROVISION
(CREDIT)
 
BALANCE AT
DECEMBER 31,
2015
Commercial
 
$
3,262
 
 
$
(170
 
$
101
 
 
$
1,051
 
 
$
4,244
 
Commercial loans secured by real estate
 
 
3,902
 
 
 
(250
 
 
111
 
 
 
(314
 
 
3,449
 
Real estate-mortgage
 
 
1,310
 
 
 
(753
 
 
171
 
 
 
445
 
 
 
1,173
 
Consumer
 
 
190
 
 
 
(188
 
 
26
 
 
 
123
 
 
 
151
 
Allocation for general risk
 
 
959
 
 
 
 
 
 
 
 
 
(55
 
 
904
 
Total
 
$
9,623
 
 
$
(1,361
 
$
409
 
 
$
1,250
 
 
$
9,921
 
 
 
 
 
BALANCE AT
DECEMBER 31,
2013
 
CHARGE-
OFFS
 
RECOVERIES
 
PROVISION
(CREDIT)
 
BALANCE AT
DECEMBER 31,
2014
Commercial
 
$
2,844
 
 
$
(172
 
$
141
 
 
$
449
 
 
$
3,262
 
Commercial loans secured by real estate
 
 
4,885
 
 
 
(708
 
 
231
 
 
 
(506
 
 
3,902
 
Real estate-mortgage
 
 
1,260
 
 
 
(322
 
 
71
 
 
 
301
 
 
 
1,310
 
Consumer
 
 
136
 
 
 
(121
 
 
24
 
 
 
151
 
 
 
190
 
Allocation for general risk
 
 
979
 
 
 
 
 
 
 
 
 
(20
 
 
959
 
Total
 
$
10,104
 
 
$
(1,323
 
$
467
 
 
$
375
 
 
$
9,623
 
 
 
Schedule of Primary Segments of Loan Portfolio [Table Text Block]
The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.
 
 
 
AT DECEMBER 31, 2016
  
 
(IN THOUSANDS)
Loans:
 
COMMERCIAL
 
COMMERCIAL
LOANS
SECURED BY
REAL ESTATE
 
REAL
ESTATE-
MORTGAGE
 
CONSUMER
 
TOTAL
Individually evaluated for impairment
 
$
496
 
 
$
178
 
 
$
 
 
$
 
 
$
674
 
Collectively evaluated for impairment
 
 
171,033
 
 
 
446,420
 
 
 
245,765
 
 
 
19,872
 
 
 
883,090
 
Total loans
 
$
171,529
 
 
$
446,598
 
 
$
245,765
 
 
$
19,872
 
 
$
883,764
 
 
 
 
 
AT DECEMBER 31, 2016
  
 
(IN THOUSANDS)
Allowance for loan losses:
 
COMMERCIAL
 
COMMERCIAL
LOANS
SECURED BY
REAL ESTATE
 
REAL
ESTATE-
MORTGAGE
 
CONSUMER
 
ALLOCATION
FOR ENERAL
RISK
 
TOTAL
Specific reserve allocation
 
$
496
 
 
$
31
 
 
$
 
 
$
 
 
$
 
 
$
527
 
General reserve allocation
 
 
3,545
 
 
 
3,553
 
 
 
1,169
 
 
 
151
 
 
 
987
 
 
 
9,405
 
Total allowance for loan losses
 
$
4,041
 
 
$
3,584
 
 
$
1,169
 
 
$
151
 
 
$
987
 
 
$
9,932
 
 
 
 
AT DECEMBER 31, 2015
  
 
(IN THOUSANDS)
Loans:
 
COMMERCIAL
 
COMMERCIAL
LOANS
SECURED BY
REAL ESTATE
 
REAL
ESTATE-
MORTGAGE
 
CONSUMER
 
TOTAL
Individually evaluated for impairment
 
$
4,416
 
 
$
86
 
 
$
 
 
$
 
 
$
4,502
 
Collectively evaluated for impairment
 
 
176,650
 
 
 
421,551
 
 
 
257,937
 
 
 
20,344
 
 
 
876,482
 
Total loans
 
$
181,066
 
 
$
421,637
 
 
$
257,937
 
 
$
20,344
 
 
$
880,984
 
 
 
 
 
AT DECEMBER 31, 2015
  
 
(IN THOUSANDS)
Allowance for loan losses:
 
COMMERCIAL
 
COMMERCIAL
LOANS
SECURED BY
REAL ESTATE
 
REAL
ESTATE-
MORTGAGE
 
CONSUMER
 
ALLOCATION
FOR GENERAL
RISK
 
TOTAL
Specific reserve allocation
 
$
1,387
 
 
$
 
 
$
 
 
$
 
 
$
 
 
$
1,387
 
General reserve allocation
 
 
2,857
 
 
 
3,449
 
 
 
1,173
 
 
 
151
 
 
 
904
 
 
 
8,534
 
Total allowance for loan losses
 
$
4,244
 
 
$
3,449
 
 
$
1,173
 
 
$
151
 
 
$
904
 
 
$
9,921
 
 
 
Impaired Financing Receivables [Table Text Block]
The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.
 
 
 
AT DECEMBER 31, 2016
  
 
IMPAIRED LOANS WITH
SPECIFIC ALLOWANCE
 
IMPAIRED
LOANS WITH
NO SPECIFIC
ALLOWANCE
 
TOTAL IMPAIRED LOANS
  
 
RECORDED
INVESTMENT
 
RELATED
ALLOWANCE
 
RECORDED
INVESTMENT
 
RECORDED
INVESTMENT
 
UNPAID
PRINCIPAL
BALANCE
  
 
(IN THOUSANDS)
Commercial
 
$
496
 
 
$
496
 
 
$
 
 
$
496
 
 
$
517
 
Commercial loans secured by real estate
 
 
162
 
 
 
31
 
 
 
16
 
 
 
178
 
 
 
209
 
Total impaired loans
 
$
658
 
 
$
527
 
 
$
16
 
 
$
674
 
 
$
726
 
 
 
 
AT DECEMBER 31, 2015
  
 
IMPAIRED LOANS WITH
SPECIFIC ALLOWANCE
 
IMPAIRED
LOANS WITH
NO SPECIFIC
ALLOWANCE
 
TOTAL IMPAIRED LOANS
  
 
RECORDED
INVESTMENT
 
RELATED
ALLOWANCE
 
RECORDED
INVESTMENT
 
RECORDED
INVESTMENT
 
UNPAID
PRINCIPAL
BALANCE
  
 
(IN THOUSANDS)
Commercial
 
$
4,416
 
 
$
1,387
 
 
$
 
 
$
4,416
 
 
$
4,421
 
Commercial loans secured by real estate
 
 
 
 
 
 
 
 
86
 
 
 
86
 
 
 
522
 
Total impaired loans
 
$
4,416
 
 
$
1,387
 
 
$
86
 
 
$
4,502
 
 
$
4,943
 
 
 
Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]
The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.
 
 
 
YEAR ENDED DECEMBER 31,
  
 
2016
 
2015
 
2014
  
 
(IN THOUSANDS)
Average impaired balance:
 
 
  
 
 
 
  
 
 
 
  
 
Commercial
 
$
718
 
 
$
1,271
 
 
$
 
Commercial loans secured by real estate
 
 
356
 
 
 
866
 
 
 
1,756
 
Consumer
 
 
 
 
 
9
 
 
 
 
Average investment in impaired loans
 
$
1,074
 
 
$
2,146
 
 
$
1,756
 
Interest income recognized:
 
 
  
 
 
 
  
 
 
 
  
 
Commercial
 
$
14
 
 
$
10
 
 
$
 
Commercial loans secured by real estate
 
 
8
 
 
 
17
 
 
 
12
 
Consumer
 
 
 
 
 
 
 
 
 
Interest income recognized on a cash basis on impaired loans
 
$
22
 
 
$
27
 
 
$
12
 
 
 
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.
 
 
 
AT DECEMBER 31, 2016
  
 
PASS
 
SPECIAL
MENTION
 
SUBSTANDARD
 
DOUBTFUL
 
TOTAL
  
 
(IN THOUSANDS)
Commercial
 
$
168,116
 
 
$
1,087
 
 
$
1,830
 
 
$
496
 
 
$
171,529
 
Commercial loans secured by real estate
 
 
436,318
 
 
 
7,497
 
 
 
2,767
 
 
 
16
 
 
 
446,598
 
Total
 
$
604,434
 
 
$
8,584
 
 
$
4,597
 
 
$
512
 
 
$
618,127
 
 
 
 
 
AT DECEMBER 31, 2015
  
 
PASS
 
SPECIAL
MENTION
 
SUBSTANDARD
 
DOUBTFUL
 
TOTAL
  
 
(IN THOUSANDS)
Commercial
 
$
174,616
 
 
$
1,811
 
 
$
3,318
 
 
$
1,321
 
 
$
181,066
 
Commercial loans secured by real estate
 
 
416,331
 
 
 
3,100
 
 
 
2,188
 
 
 
18
 
 
 
421,637
 
Total
 
$
590,947
 
 
$
4,911
 
 
$
5,506
 
 
$
1,339
 
 
$
602,703
 
 
 
Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]
The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios.
  
 
 
AT DECEMBER 31, 2016
  
 
PERFORMING
 
NON-
PERFORMING
  
 
(IN THOUSANDS)
Real estate-mortgage
 
$
244,836
 
 
$
929
 
Consumer
 
 
19,872
 
 
 
 
Total
 
$
264,708
 
 
$
929
 
 
 
 
AT DECEMBER 31, 2015
  
 
PERFORMING
 
NON-
PERFORMING
  
 
(IN THOUSANDS)
Real estate-mortgage
 
$
256,149
 
 
$
1,788
 
Consumer
 
 
20,344
 
 
 
 
Total
 
$
276,493
 
 
$
1,788
 
 
 
Past Due Financing Receivables [Table Text Block]
The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.
 
 
 
AT DECEMBER 31, 2016
  
 
CURRENT
 
30 – 59
DAYS PAST
DUE
 
60 – 89
DAYS PAST
DUE
 
90 DAYS
PAST DUE
 
TOTAL
PAST DUE
 
TOTAL
LOANS
 
90 DAYS
PAST DUE
AND STILL
ACCRUING
  
 
(IN THOUSANDS)
Commercial
 
$
171,292
 
 
$
237
 
 
$
 
 
$
 
 
$
237
 
 
$
171,529
 
 
$
 
Commercial loans secured by real estate
 
 
446,477
 
 
 
121
 
 
 
 
 
 
 
 
 
121
 
 
 
446,598
 
 
 
 
Real estate-mortgage
 
 
241,802
 
 
 
2,856
 
 
 
610
 
 
 
497
 
 
 
3,963
 
 
 
245,765
 
 
 
 
Consumer
 
 
19,795
 
 
 
50
 
 
 
27
 
 
 
 
 
 
77
 
 
 
19,872
 
 
 
 
Total
 
$
879,366
 
 
$
3,264
 
 
$
637
 
 
$
497
 
 
$
4,398
 
 
$
883,764
 
 
$
 
 
 
 
 
AT DECEMBER 31, 2015
  
 
CURRENT
 
30 – 59
DAYS PAST
DUE
 
60 – 89
DAYS PAST
DUE
 
90 DAYS
PAST DUE
 
TOTAL
PAST DUE
 
TOTAL
LOANS
 
90 DAYS
PAST DUE
AND STILL
ACCRUING
  
 
(IN THOUSANDS)
Commercial
 
$
176,216
 
 
$
489
 
 
$
4,361
 
 
$
 
 
$
4,850
 
 
$
181,066
 
 
$
 
Commercial loans secured by real estate
 
 
421,247
 
 
 
208
 
 
 
182
 
 
 
 
 
 
390
 
 
 
421,637
 
 
 
 
Real estate-mortgage
 
 
254,288
 
 
 
2,658
 
 
 
442
 
 
 
549
 
 
 
3,649
 
 
 
257,937
 
 
 
 
Consumer
 
 
20,115
 
 
 
67
 
 
 
162
 
 
 
 
 
 
229
 
 
 
20,344
 
 
 
 
Total
 
$
871,866
 
 
$
3,422
 
 
$
5,147
 
 
$
549
 
 
$
9,118
 
 
$
880,984
 
 
$