AmeriServ Financial, Inc. announced unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, the company's total interest income was $9,878,000 against $10,346,000 a year ago. Net interest income was $8,082,000 against $8,113,000 a year ago. Pretax income was $1,046,000 against $2,490,000 a year ago. Net income was $735,000 against $1,770,000 a year ago. Net income available to common shareholders was $683,000 against $1,505,000 a year ago. Return on average assets was 0.29% against 0.72% a year ago. Return on average equity was 2.60% against 6.19% a year ago.

For the year, the company's total interest income was $39,917,000 against $41,964,000 a year ago. Net interest income was $32,203,000 against $32,283,000 a year ago. Pretax income was $7,280,000 against 9,390,000 a year ago. Net income was $5,039,000 against $6,537,000 a year ago. Net income available to common shareholders was $4,211,000 against $5,153,000 a year ago. Return on average assets was 0.51% against 0.68% a year ago. Return on average equity was 4.51% against 5.90% a year ago.