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Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
INTEREST INCOME    
Interest and fees on loans and leases $ 22,249 $ 21,078
Interest on interest-bearing balances 15 30
Interest on federal funds sold 390 68
Interest and dividends on investment securities:    
U.S. Treasury and government agencies 671 893
State and political subdivision obligations, tax-exempt 221 619
Other securities 153 178
Total Interest Income 23,699 22,866
INTEREST EXPENSE    
Interest on deposits 5,380 4,586
Interest on short-term borrowings   232
Interest on long-term and subordinated debt 654 742
Total Interest Expense 6,034 5,560
Net Interest Income 17,665 17,306
PROVISION FOR LOAN AND LEASE LOSSES 550 125
Net Interest Income After Provision for Loan and Lease Losses 17,115 17,181
NONINTEREST INCOME    
Net gain on sales of SBA loans 84 202
Earnings from cash surrender value of life insurance 76 78
Net gain on sales of investment securities 132 7
Other income 372 330
Total Noninterest Income 2,934 2,049
NONINTEREST EXPENSE    
Salaries and employee benefits 8,281 7,759
Occupancy expense, net 1,439 1,401
Equipment expense 713 627
Pennsylvania bank shares tax expense 405 136
FDIC Assessment 312 359
Legal and professional fees 352 422
Marketing and advertising expense 204 179
Software licensing and utilization 1,221 1,021
Telephone expense 134 154
Gain on sale or write-down of foreclosed assets   (4)
Intangible amortization 323 363
Other expenses 2,197 1,886
Total Noninterest Expense 15,581 14,303
INCOME BEFORE PROVISION FOR INCOME TAXES 4,468 4,927
Provision for income taxes 650 850
NET INCOME $ 3,818 $ 4,077
PER COMMON SHARE DATA:    
Basic and Diluted Earnings Per Common Share $ 0.45 $ 0.48
Cash Dividends Paid $ 0.23 $ 0.25
Income from Fiduciary Activities [Member]    
NONINTEREST INCOME    
Non-interest Income $ 384 $ 359
Service Charges on Deposits [Member]    
NONINTEREST INCOME    
Non-interest Income 205 217
Mortgage Banking Income [Member]    
NONINTEREST INCOME    
Non-interest Income 1,182 437
ATM Debit Card Interchange Income [Member]    
NONINTEREST INCOME    
Non-interest Income 416 334
Merchant Services Income [Member]    
NONINTEREST INCOME    
Non-interest Income $ 83 $ 85