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Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
INTEREST INCOME    
Interest & fees on loans and leases $ 6,540 $ 6,261
Interest on interest-bearing balances 10 47
Interest and dividends on investment securities:    
U.S. Treasury and government agencies 277 100
State and political subdivision obligations, tax exempt 519 483
Other securities 34 6
Interest on federal funds sold and securities purchased under agreements to resell   5
Total Interest Income 7,380 6,902
INTEREST EXPENSE    
Interest on deposits 978 1,205
Interest on short-term borrowings 14  
Interest on long-term debt 116 238
Total Interest Expense 1,108 1,443
Net Interest Income 6,272 5,459
PROVISION FOR LOAN AND LEASE LOSSES 547 495
Net Interest Income After Provision for Loan and Lease Losses 5,725 4,964
NONINTEREST INCOME    
Income from fiduciary activities 158 139
Service charges on deposits 127 134
Net gain on sales of investment securities 150  
Earnings from cash surrender value of life insurance 51 58
Mortgage banking income 38 110
ATM debit card interchange income 126 119
Merchant services income 67 87
Net gain on sales of SBA loans 51  
Other income 126 203
Total Noninterest Income 894 850
NONINTEREST EXPENSE    
Salaries and employee benefits 2,548 2,857
Occupancy expense, net 382 310
Equipment expense 301 316
Pennsylvania Bank Shares tax expense 99 128
FDIC Assessment 132 202
Legal and professional fees 97 154
Director fees and benefits expense 79 80
Marketing and advertising expense 48 43
Software licensing 237 181
Telephone expense 96 98
Loss (gain) on sale/write-down of foreclosed assets 87 (19)
Intangible amortization 7 7
Loan collection costs 71 70
Other expenses 554 610
Total Noninterest Expense 4,738 5,037
INCOME BEFORE PROVISION FOR INCOME TAXES 1,881 777
Provision for income taxes 370 92
NET INCOME 1,511 685
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS 1,424 624
PER COMMON SHARE DATA:    
Basic Earnings Per Common Share $ 0.41 $ 0.18
Cash Dividends $ 0.05  
Series A Preferred Stock [Member]
   
NONINTEREST EXPENSE    
Preferred stock dividends and discount accretion   14
Series B Preferred Stock [Member]
   
NONINTEREST EXPENSE    
Preferred stock dividends $ 87 $ 47