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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest income      
Loans, including fees $ 35,647 $ 37,937 $ 38,537
Interest and dividends on investments: Taxable interest 1,725 2,318 3,037
Interest and dividends on investments: Tax exempt interest 1,483 1,395 1,625
Interest and dividends on investments: Dividend income 80 82 52
Deposits and obligations of other banks 207 59 33
Total interest income 39,142 41,791 43,284
Interest expense      
Deposits 5,173 6,649 8,445
Securities sold under agreements to repurchase 78 150 151
Short-term borrowings   1 1
Long-term debt 1,639 2,354 3,846
Total interest expense 6,890 9,154 12,443
Net interest income 32,252 32,637 30,841
Provision for loan losses 5,225 7,524 3,235
Net interest income after provision for loan losses 27,027 25,113 27,606
Noninterest income      
Investment and trust services fees 4,087 3,953 3,844
Loan service charges 1,210 1,198 1,132
Mortgage banking activities 6 (72) 146
Deposit service charges and fees 1,925 2,142 2,390
Other service charges and fees 864 614 508
Debit card income 1,161 1,024 882
Increase in cash surrender value of life insurance 652 682 672
Other real estate owned gains (losses), net (582) 22 (15)
Other 184 720 193
OTTI losses on securities (265) (594) (1,373)
Less: Loss recognized in other comprehensive loss (before taxes) (165) (354) (314)
Net OTTI losses recognized in earnings (100) (240) (1,059)
Securities gains (losses), net 44 157 673
Total noninterest income 9,451 10,200 9,366
Noninterest expense      
Salaries and benefits 16,626 15,195 13,592
Net occupancy expense 2,024 2,006 1,962
Furniture and equipment expense 875 837 781
Advertising 1,401 1,335 1,342
Legal and professional fees 1,170 1,069 1,505
Data processing 1,642 1,462 1,617
Pennsylvania bank shares tax 745 681 610
Intangible amortization 435 446 457
FDIC insurance 1,093 1,084 1,178
ATM/debit card processing 630 332 288
Other 3,960 3,886 3,091
Total noninterest expense 30,601 28,333 26,423
Income before federal income taxes 5,877 6,980 10,549
Federal income tax expense 512 411 2,937
Net income $ 5,365 $ 6,569 $ 7,612
Per share      
Basic earnings per share $ 1.32 $ 1.66 $ 1.96
Diluted earnings per share $ 1.32 $ 1.66 $ 1.96
Cash dividends declared $ 0.78 $ 1.08 $ 1.08