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Consolidated Statements Of Income - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Interest income        
Loans, including fees: $ 8,343 $ 7,665 $ 24,394 $ 22,518
Interest and dividends on investments:        
Taxable interest 569 584 1,729 1,832
Tax exempt interest 355 402 1,079 1,218
Dividend income 2 3 12 63
Deposits and obligations of other banks 79 66 220 192
Total interest income 9,348 8,720 27,434 25,823
Interest expense        
Deposits 559 554 1,650 1,813
Short-term borrowings 4 1 6 1
Total interest expense 563 555 1,656 1,814
Net interest income 8,785 8,165 25,778 24,009
Provision for loan losses 1,150 400 3,325 1,035
Net interest income after provision for loan losses 7,635 7,765 22,453 22,974
Noninterest income        
Investment and trust services fees 1,211 1,154 3,683 3,805
Loan service charges 102 288 518 784
Deposit service charges and fees 635 623 1,815 1,700
Other service charges and fees 325 309 941 916
Debit card income 373 346 1,095 1,021
Increase in cash surrender value of life insurance 131 137 399 416
Net (loss) gain on sale of other real estate owned (20)   (31) 32
OTTI losses on debt securities (10)   (30) (20)
Gain on conversion of investment security       728
Securities gains, net     4 8
Other 56 126 219 363
Total noninterest income 2,803 2,983 8,613 9,753
Noninterest expense        
Salaries and employee benefits 4,566 4,214 13,282 12,500
Occupancy, net 556 535 1,708 1,706
Furniture and equipment 221 232 655 702
Advertising 296 336 839 807
Legal and professional 423 311 1,114 811
Data processing 539 524 1,540 1,547
Pennsylvania bank shares tax 203 206 699 608
Intangible amortization       181
FDIC insurance 188 170 514 479
ATM/debit card processing 214 193 642 566
Foreclosed real estate 18 322 93 341
Telecommunications 91 145 300 379
Other 665 675 2,119 2,385
Total noninterest expense 7,980 7,863 23,505 23,012
Income before federal income tax expense 2,458 2,885 7,561 9,715
Federal income tax expense 383 306 1,198 1,778
Net income $ 2,075 $ 2,579 $ 6,363 $ 7,937
Per share        
Basic earnings per share $ 0.48 $ 0.61 $ 1.48 $ 1.87
Diluted earnings per share 0.48 0.61 1.48 1.87
Cash dividends declared $ 0.21 $ 0.19 $ 0.61 $ 0.55