0001193125-21-222475.txt : 20210723 0001193125-21-222475.hdr.sgml : 20210723 20210723090002 ACCESSION NUMBER: 0001193125-21-222475 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20210723 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210723 DATE AS OF CHANGE: 20210723 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NORWOOD FINANCIAL CORP CENTRAL INDEX KEY: 0001013272 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232828306 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-28364 FILM NUMBER: 211109167 BUSINESS ADDRESS: STREET 1: 717 MAIN ST STREET 2: PO BOX 269 CITY: HONESDALE STATE: PA ZIP: 18431 BUSINESS PHONE: 7172531455 8-K 1 d71328d8k.htm 8-K 8-K
false 0001013272 0001013272 2021-07-23 2021-07-23

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 23, 2021

 

 

NORWOOD FINANCIAL CORP

(Exact name of registrant as specified in its charter)

 

 

 

Pennsylvania   0-28364   23-2828306

(State or other jurisdiction

of incorporation)

  

(Commission

File Number)

  

(IRS Employer

Identification No.)

 

717 Main Street, Honesdale, Pennsylvania   18431
(Address of principal executive offices)   (Zip Code)

Registrant’s telephone number, including area code: (570) 253-1455

Not Applicable

(Former name or former address, if changed since last report)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

  

Trading

symbol(s)

  

Name of each exchange

on which registered

Common Stock, par value $0.10 per share   NWFL   The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

NORWOOD FINANCIAL CORP

INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.02. Results of Operations and Financial Condition

On July 23, 2021, Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the quarter ended June 30, 2021. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 9.01. Financial Statements and Exhibits

(d)     Exhibits:

The following exhibits are being furnished with this report.

 

No.

   

Description

99.1    Press Release dated July 23, 2021
104    Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

    NORWOOD FINANCIAL CORP
Date:    July 23, 2021     By:  

/s/ Lewis J. Critelli

      Lewis J. Critelli
      President and Chief Executive Officer
      (Duly Authorized Representative)
 EX-99.1 2 d71328dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

NORWOOD FINANCIAL CORP

ANNOUNCES SECOND QUARTER EARNINGS

Honesdale, Pennsylvania - July 23, 2021

Lewis J. Critelli, President and Chief Executive Officer of Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, announced record earnings for the three months ended June 30, 2021 of $5,755,000, which was $4,267,000, or 287%, higher than the similar period of last year. The increase reflects the benefits derived from the Company’s acquisition of UpState New York Bancorp, Inc. (“UpState”), which closed on July 7, 2020, and fee income related to Paycheck Protection Program (“PPP”) loans. Earnings per share (fully diluted) were $0.70 in the 2021 period compared to $0.24 in the same period of last year. The annualized return on average assets for the three months ended June 30, 2021 was 1.15%, while the annualized return on average tangible equity was 13.63%. Net income for the six months ended June 30, 2021 totaled $11,296,000, which is $6,729,000 higher than the same six-month period of 2020 due to the benefits derived from the acquisition of UpState and PPP fees earned. Earnings per share (fully diluted) for the six months ended June 30, 2021 were $1.38 compared to $0.73 for the six months ended June 30, 2021. The annualized return on average assets for the six months ended June 30, 2021 was 1.16%. The annualized return on average tangible equity for the six months ended June 30, 2021 was 13.53%.

Total assets as of June 30, 2021 were $2.026 billion, with loans receivable of $1.387 billion, deposits of $1.689 billion and stockholders’ equity of $200.5 million. Loans receivable increased $398.0 million since June 30, 2020, while total deposits increased

 

1

$602.7 million. The increases reflect the balances acquired from UpState and the impact from economic stimulus, including loans originated through the PPP. During the six months ended June 30, 2021, the Company originated 755 new PPP loans totaling $56.8 million, and had a total of $77.6 million of PPP loans forgiven. As of June 30, 2021, the total of all PPP loans outstanding was $74.2 million.

For the three months ended June 30, 2021, net interest income, on a fully-taxable equivalent basis (fte), totaled $16,263,000, an increase of $6,175,000 compared to the same period in 2020. A $424.5 million increase in average loans outstanding contributed to the increased income. Net interest margin (fte) for the three months ended June 30, 2021 was 3.44%, compared to 3.25% in the same period of 2020. The tax-equivalent yield on interest-earning assets decreased 14 basis points to 3.75% during the three months ended June 30, 2021, compared to the same prior year period, while the cost of interest-bearing liabilities decreased 43 basis points to 0.43%. Net interest income (fte) for the six months ended June 30, 2021 totaled $32,244,000, which was $12,253,000 higher than the same period in 2020, due to the higher volume of interest-earning assets. The net interest margin (fte) was 3.51% in the six months ended June 30, 2021, as compared to 3.36% during the six months ended June 30, 2020. The increase in the net interest margin (fte) reflects the growth in average loans outstanding resulting from the acquisition of UpState.

Other income for the three months ended June 30, 2021, totaled $2,187,000, compared to $1,392,000 for the same period in 2020. The increase is due primarily to a $695,000 increase in service charges and fees related to the acquisition of UpState. For the six months ended June 30, 2021, other income totaled $4,176,000, compared to $3,047,000 in the 2020 period. Service charges on deposits and fees on loans increased $881,000, net, while earnings and proceeds on bank-owned life insurance policies also increased $148,000.

 

2

Other expenses totaled $9,492,000 for the three months ended June 30, 2021, an increase of $1,400,000, compared to the $8,092,000 for the same period of 2020. For the six months ended June 30, 2021, other expenses totaled $18,944,000, compared to $15,152,000 for the same period in 2020. The increases reflect the costs of operations acquired from UpState, including four new Community Offices.

Mr. Critelli commented, “Our results for the first half of 2021 reflect the positive impact of, and earnings accretion resulting from, our acquisition of UpState, as well as the continued impact of economic stimulus on our earnings and balance sheet. We look forward to continuing to serve our expanded base of stockholders and customers.”

Norwood Financial Corp is the parent company of Wayne Bank, which operates from fourteen offices throughout Northeastern Pennsylvania and sixteen offices in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York. The Company’s stock trades on the Nasdaq Global Market under the symbol “NWFL”.

Forward-Looking Statements

The Private Securities Litigation Reform Act of 1995 contains safe harbor provisions regarding forward-looking statements. When used in this discussion, the words “believes”, “anticipates”, “contemplates”, “expects”, and similar expressions are intended to identify forward-looking statements. Such statements are subject to certain risks and uncertainties, which could cause actual results to differ materially from those projected. Those risks and uncertainties include changes in federal and state laws, changes in interest rates, the risks and uncertainty posed by, and the effect and impact of, the COVID-19 pandemic on the economy and the Company’s results of operation and financial

 

3

condition, the ability to control costs and expenses, demand for real estate, government fiscal and trade policies, cybersecurity and general economic conditions. The Company undertakes no obligation to publicly release the results of any revisions to those forward-looking statements which may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

Non-GAAP Financial Measures

This release references tax-equivalent net interest income, which is a non-GAAP (Generally Accepted Accounting Principles) financial measure. Tax-equivalent net interest income was derived from GAAP interest income and net interest income using an assumed tax rate of 21%. We believe the presentation of net interest income on a tax-equivalent basis ensures comparability of net interest income arising from both taxable and tax-exempt sources and is consistent with industry practice.

The following reconciles net interest income to net interest income on a fully taxable-equivalent basis:

 

     Three months ended
June 30		      Six months ended
June 30		  
(dollars in thousands)    2021      2020      2021      2020  

Net Interest Income

    $ 16,053      $ 9,867      $ 31,829      $ 19,532  

Taxable equivalent basis adjustment using 21% marginal tax rate

      210        221        415        459  
  

 

 

     

 

 

     

 

 

     

 

 

  

Net interest income on a fully taxable equivalent basis

    $ 16,263      $ 10,088      $ 32,244      $ 19,991  
  

 

 

     

 

 

     

 

 

     

 

 

  

This release also references average tangible equity, which is also a non-GAAP financial measure. Average tangible equity is calculated by deducting average goodwill and other intangible assets from average stockholders’ equity. The Company believes that disclosure of tangible equity ratios enhances investor understanding of our financial position and improves the comparability of our financial data.

 

4

The following reconciles average equity to average tangible equity:

 

     Three months ended
June 30		      Six months ended
June 30		  
(dollars in thousands)    2021      2020      2021     2020  

Average equity

    $ 199,777      $ 143,472      $ 198,689     $ 142,217  

Average goodwill and other intangibles

      (29,762 )       (11,530 )       (29,780 )      (11,541 ) 
  

 

 

     

 

 

     

 

 

    

 

 

  

Average tangible equity

    $ 170,015      $ 131,942      $ 168,909     $ 130,676  
  

 

 

     

 

 

     

 

 

    

 

 

  

Contact:   William S. Lance

Executive Vice President &

Chief Financial Officer

NORWOOD FINANCIAL CORP

570-253-8505

www.waynebank.com

 

5

NORWOOD FINANCIAL CORP.

Consolidated Balance Sheets

(dollars in thousands, except share and per share data)

(unaudited)

 

     June 30  
     2021     2020  

ASSETS

     

Cash and due from banks

    $ 34,831     $ 15,387  

Interest-bearing deposits with banks

      170,342       67,989  
  

 

 

    

 

 

  

Cash and cash equivalents

      205,173       83,376  

Securities available for sale

      333,636       196,735  

Loans receivable

      1,386,654       988,679  

Less: Allowance for loan losses

      15,340       10,312  
  

 

 

    

 

 

  

Net loans receivable

      1,371,314       978,367  

Regulatory stock, at cost

      4,084       3,677  

Bank premises and equipment, net

      17,298       14,040  

Bank owned life insurance

      39,665       39,183  

Foreclosed real estate owned

      844       965  

Accrued interest receivable

      6,190       4,383  

Goodwill

      29,266       11,331  

Other intangible assets

      461       191  

Other assets

      17,633       22,293  
  

 

 

    

 

 

  

TOTAL ASSETS

    $ 2,025,564     $ 1,354,541  
  

 

 

    

 

 

  

LIABILITIES

     

Deposits:

     

Non-interest bearing demand

    $ 435,824     $ 284,754  

Interest-bearing

      1,253,117       801,484  
  

 

 

    

 

 

  

Total deposits

      1,688,941       1,086,238  

Short-term borrowings

      83,599       55,204  

Other borrowings

      36,259       50,823  

Accrued interest payable

      1,462       2,826  

Other liabilities

      14,804       16,786  
  

 

 

    

 

 

  

TOTAL LIABILITIES

      1,825,065       1,211,877  

STOCKHOLDERS’ EQUITY

     

Preferred Stock, no par value per share, authorized 5,000,000 shares

      —         —    

Common Stock, $.10 par value per share, authorized: 20,000,000 shares, issued: 2021: 8,243,556 shares, 2020: 6,342,568 shares

      825       634  

Surplus

      95,951       49,778  

Retained earnings

      100,818       87,939  

Treasury stock, at cost: 2021: 21,568 shares, 2020: 13,778 shares

      (656 )      (469 ) 

Accumulated other comprehensive income

      3,561       4,782  
  

 

 

    

 

 

  

TOTAL STOCKHOLDERS’ EQUITY

      200,499       142,664  
  

 

 

    

 

 

  

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY

    $ 2,025,564     $ 1,354,541  
  

 

 

    

 

 

  

NORWOOD FINANCIAL CORP.

Consolidated Statements of Income

(dollars in thousands, except per share data)

(unaudited)

 

     Three Months Ended June 30,     Six Months Ended June 30,  
     2021      2020     2021      2020  

INTEREST INCOME

           

Loans receivable, including fees

    $ 16,102      $ 10,767     $ 32,248      $ 21,450  

Securities

      1,356        1,063       2,468        2,242  

Other

      59        19       102        25  
  

 

 

     

 

 

    

 

 

     

 

 

  

Total Interest income

      17,517        11,849       34,818        23,717  

INTEREST EXPENSE

           

Deposits

      1,205        1,630       2,459        3,420  

Short-term borrowings

      73        73       142        184  

Other borrowings

      186        279       388        581  
  

 

 

     

 

 

    

 

 

     

 

 

  

Total Interest expense

      1,464        1,982       2,989        4,185  
  

 

 

     

 

 

    

 

 

     

 

 

  

NET INTEREST INCOME

      16,053        9,867       31,829        19,532  

PROVISION FOR LOAN LOSSES

      1,500        1,300       3,000        2,000  
  

 

 

     

 

 

    

 

 

     

 

 

  

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

      14,553        8,567       28,829        17,532  

OTHER INCOME

           

Service charges and fees

      1,532        837       2,782        1,901  

Income from fiduciary activities

      181        175       341        328  

Net realized gains on sales of securities

      —          —         21        38  

Gains on sales of loans, net

      109        65       138        121  

Earnings and proceeds on life insurance policies

      194        212       568        420  

Other

      171        103       326        239  
  

 

 

     

 

 

    

 

 

     

 

 

  

Total other income

      2,187        1,392       4,176        3,047  

OTHER EXPENSES

           

Salaries and employee benefits

      5,171        3,289       10,125        7,065  

Occupancy, furniture and equipment

      1,186        906       2,406        1,875  

Data processing and related operations

      562        466       1,166        903  

Taxes, other than income

      229        214       534        427  

Professional fees

      343        225       883        443  

FDIC Insurance assessment

      154        42       335        42  

Foreclosed real estate

      13        (2 )      42        14  

Amortization of intangibles

      34        21       68        44  

Merger related

      —          1,597       0        1,597  

Other

      1,800        1,334       3,385        2,742  
  

 

 

     

 

 

    

 

 

     

 

 

  

Total other expenses

      9,492        8,092       18,944        15,152  

INCOME BEFORE TAX

      7,248        1,867       14,061        5,427  

INCOME TAX EXPENSE

      1,493        379       2,765        860  
  

 

 

     

 

 

    

 

 

     

 

 

  

NET INCOME

    $ 5,755      $ 1,488     $ 11,296      $ 4,567  
  

 

 

     

 

 

    

 

 

     

 

 

  

Basic earnings per share

    $ 0.70      $ 0.24     $ 1.38      $ 0.73  
  

 

 

     

 

 

    

 

 

     

 

 

  

Diluted earnings per share

    $ 0.70      $ 0.24     $ 1.38      $ 0.73  
  

 

 

     

 

 

    

 

 

     

 

 

  

NORWOOD FINANCIAL CORP.

Financial Highlights (Unaudited)

(dollars in thousands, except per share data)

 

For the Three Months Ended June 30

    2021     2020  

Net interest income

    $ 16,053     $ 9,867  

Net income

      5,755       1,488  

Net interest spread (fully taxable equivalent)

      3.32 %      3.03 % 

Net interest margin (fully taxable equivalent)

      3.44 %      3.25 % 

Return on average assets

      1.15 %      0.45 % 

Return on average equity

      11.59 %      4.17 % 

Return on average tangible equity

      13.63 %      4.54 % 

Basic earnings per share

    $ 0.70     $ 0.24  

Diluted earnings per share

    $ 0.70     $ 0.24  

For the Six Months Ended June 30

    2021     2020  

Net interest income

    $ 31,829     $ 19,532  

Net income

      11,296       4,567  

Net interest spread (fully taxable equivalent)

      3.39 %      3.12 % 

Net interest margin (fully taxable equivalent)

      3.51 %      3.36 % 

Return on average assets

      1.16 %      0.72 % 

Return on average equity

      11.49 %      6.46 % 

Return on average tangible equity

      13.53 %      7.03 % 

Basic earnings per share

    $ 1.38     $ 0.73  

Diluted earnings per share

    $ 1.38     $ 0.73  

As of June 30

    2021     2020  

Total assets

    $ 2,025,564     $ 1,354,541  

Total loans receivable

      1,386,654       988,679  

Allowance for loan losses

      15,340       10,312  

Total deposits

      1,688,941       1,086,238  

Stockholders’ equity

      200,499       142,664  

Trust assets under management

      180,602       149,535  

Book value per share

    $ 24.47     $ 22.62  

Tangible book value per share

    $ 20.85     $ 20.80  

Equity to total assets

      9.90 %      10.53 % 

Allowance to total loans receivable

      1.11 %      1.04 % 

Nonperforming loans to total loans

      0.28 %      0.30 % 

Nonperforming assets to total assets

      0.24 %      0.29 % 

NORWOOD FINANCIAL CORP.               
Consolidated Balance Sheets (unaudited)               
(dollars in thousands)               

 

     June 30      March      December 31      September 30      June 30  
     2021      2021      2020      2020      2020  

ASSETS

               

Cash and due from banks

    $ 34,831      $ 20,364      $ 19,445      $ 23,874      $ 15,387  

Interest-bearing deposits with banks

      170,342        190,135        92,248        100,566        67,989  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Cash and cash equivalents

      205,173        210,499        111,693        124,440        83,376  

Securities available for sale

      333,636        275,224        226,586        197,436        196,735  

Loans receivable

      1,386,654        1,421,568        1,410,732        1,414,662        988,679  

Less: Allowance for loan losses

      15,340        14,509        13,150        11,674        10,312  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Net loans receivable

      1,371,314        1,407,059        1,397,582        1,402,988        978,367  

Regulatory stock, at cost

      4,084        4,043        3,981        3,876        3,677  

Bank owned life insurance

      39,665        39,471        39,608        39,400        39,183  

Bank premises and equipment, net

      17,298        17,648        17,814        18,124        14,040  

Foreclosed real estate owned

      844        844        965        965        965  

Goodwill and other intangibles

      29,727        29,785        29,820        30,778        11,522  

Other assets

      23,823        25,263        23,815        24,100        26,676  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

TOTAL ASSETS

    $ 2,025,564      $ 2,009,836      $ 1,851,864      $ 1,842,107      $ 1,354,541  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

LIABILITIES

               

Deposits:

               

Non-interest bearing demand

    $ 435,824      $ 415,395      $ 359,559      $ 372,237      $ 284,754  

Interest-bearing deposits

      1,253,117        1,269,793        1,175,826        1,143,685        801,484  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

Total deposits

      1,688,941        1,685,188        1,535,385        1,515,922        1,086,238  

Borrowings

      119,858        112,283        105,762        115,732        106,027  

Other liabilities

      16,266        17,258        15,932        19,906        19,612  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

TOTAL LIABILITIES

      1,825,065        1,814,729        1,657,079        1,651,560        1,211,877  

STOCKHOLDERS’ EQUITY

      200,499        195,107        194,785        190,547        142,664  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY

    $ 2,025,564      $ 2,009,836      $ 1,851,864      $ 1,842,107      $ 1,354,541  
  

 

 

     

 

 

     

 

 

     

 

 

     

 

 

  

NORWOOD FINANCIAL CORP.               
Consolidated Statements of Income (unaudited)               
(dollars in thousands, except per share data)               

 

     June 30     March 31     December 31     September 30     June 30  
Three months ended    2021     2021     2020     2020     2020  

INTEREST INCOME

           

Loans receivable, including fees

    $ 16,102     $ 16,146     $ 16,336     $ 16,260     $ 10,767  

Securities

      1,356       1,112       1,064       1,031       1,063  

Other

      59       43       29       18       19  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total interest income

      17,517       17,301       17,429       17,309       11,849  

INTEREST EXPENSE

           

Deposits

      1,205       1,255       1,514       1,676       1,630  

Borrowings

      259       270       301       303       352  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total interest expense

      1,464       1,525       1,815       1,979       1,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

NET INTEREST INCOME

      16,053       15,776       15,614       15,330       9,867  

PROVISION FOR LOAN LOSSES

      1,500       1,500       1,600       1,850       1,300  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

      14,553       14,276       14,014       13,480       8,567  

OTHER INCOME

           

Service charges and fees

      1,532       1,247       1,913       1,301       837  

Income from fiduciary activities

      181       160       150       205       175  

Net realized gains on sales of securities

      —         21       —         33       —    

Gains on sales of loans, net

      109       29       241       164       65  

Earnings and proceeds on life insurance policies

      194       374       208       217       212  

Other

      171       158       149       152       103  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total other income

      2,187       1,989       2,661       2,072       1,392  

OTHER EXPENSES

           

Salaries and employee benefits

      5,171       4,953       5,243       4,812       3,289  

Occupancy, furniture and equipment, net

      1,186       1,220       1,165       1,109       906  

Foreclosed real estate

      13       30       8       31       (2 ) 

FDIC insurance assessment

      154       181       213       144       42  

Merger related

      —         —         66       386       1,597  

Other

      2,968       3,068       3,214       2,898       2,260  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total other expenses

      9,492       9,452       9,909       9,380       8,092  

INCOME BEFORE TAX

      7,248       6,813       6,766       6,172       1,867  

INCOME TAX EXPENSE

      1,493       1,271       1,253       1,173       379  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

NET INCOME

    $ 5,755     $ 5,542     $ 5,513     $ 4,999     $ 1,488  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Basic earnings per share

    $ 0.70     $ 0.68     $ 0.67     $ 0.62     $ 0.24  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Diluted earnings per share

    $ 0.70     $ 0.67     $ 0.67     $ 0.62     $ 0.24  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Book Value per share

    $ 24.47     $ 23.82     $ 23.72     $ 23.30     $ 22.62  

Tangible Book Value per share

      20.85       20.20       20.10       19.55       20.80  

Return on average assets (annualized)

      1.15 %      1.18 %      1.18 %      1.11 %      0.45 % 

Return on average equity (annualized)

      11.59 %      11.39 %      11.32 %      10.64 %      4.17 % 

Return on average tangible equity (annualized)

      13.63 %      13.42 %      13.46 %      11.75 %      4.54 % 

Net interest spread (fte)

      3.32 %      3.46 %      3.50 %      3.55 %      3.03 % 

Net interest margin (fte)

      3.44 %      3.59 %      3.65 %      3.73 %      3.25 % 

Allowance for loan losses to total loans

      1.11 %      1.02 %      0.93 %      0.83 %      1.04 % 

Net charge-offs to average loans (annualized)

      0.19 %      0.04 %      0.04 %      0.14 %      0.03 % 

Nonperforming loans to total loans

      0.28 %      0.22 %      0.24 %      0.29 %      0.30 % 

Nonperforming assets to total assets

      0.24 %      0.20 %      0.24 %      0.27 %      0.29 % 
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Entity Incorporation State Country Code PA
Entity File Number 0-28364
Entity Tax Identification Number 23-2828306
Entity Address, Address Line One 717 Main Street
Entity Address, City or Town Honesdale
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Entity Address, Postal Zip Code 18431
City Area Code (570)
Local Phone Number 253-1455
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Security 12b Title Common Stock, par value $0.10 per share
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Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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