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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Loans receivable, including fees:        
Taxable $ 18,752 $ 18,084 $ 55,239 $ 53,919
Tax-exempt 908 929 2,744 2,693
Securities:        
Taxable 5,021 5,094 15,387 16,332
Tax-exempt 185 148 553 267
Federal funds sold 0 0 0 1
Total interest income 24,866 24,255 73,923 73,212
Interest Expense        
Deposits 1,503 1,842 4,647 5,924
Short-term borrowings 189 43 501 170
Long-term debt 307 592 974 1,754
Total interest expense 1,999 2,477 6,122 7,848
Net interest income 22,867 21,778 67,801 65,364
Provision for loan losses 1,200 2,500 5,300 7,950
Net interest income after provision for loan losses 21,667 19,278 62,501 57,414
Noninterest Income        
Service charges, fees and other operating income 7,368 6,833 21,393 20,786
Net gains on sales of loans 148 352 811 953
Total fees and other income 7,516 7,185 22,204 21,739
Other-than-temporary impairment (OTTI) losses 0 0 0 (649)
Portion recognized in other comprehensive income (before taxes) 0 0 0 0
Net impairment loss on investment securities 0 0 0 (649)
Net gains (losses) on sales/calls of securities 0 (37) 21 959
Total noninterest income 7,516 7,148 22,225 22,049
Noninterest Expenses        
Salaries and employee benefits 10,761 10,021 31,977 30,725
Occupancy 2,205 2,105 6,478 6,238
Furniture and equipment 1,114 1,160 3,386 3,664
Advertising and marketing 610 446 1,427 1,247
Data processing 3,206 3,220 9,688 9,883
Regulatory assessments and related costs 588 1,847 1,673 3,522
Telephone 888 881 2,716 2,588
Loan expense 306 339 1,675 1,030
Foreclosed real estate 54 399 269 1,543
Pennsylvania shares tax 552 437 1,690 1,456
Other 2,159 2,198 6,153 6,762
Total noninterest expenses 22,443 23,053 67,132 68,658
Income before taxes 6,740 3,373 17,594 10,805
Provision for federal income taxes 2,064 1,381 5,225 3,367
Net income $ 4,676 $ 1,992 $ 12,369 $ 7,438
Net Income per Common Share        
Basic (in dollars per share) $ 0.33 $ 0.14 $ 0.87 $ 0.52
Diluted (in dollars per share) $ 0.33 $ 0.14 $ 0.86 $ 0.52
Average Common and Common Equivalent Shares Outstanding        
Basic (in shares) 14,145 14,129 14,138 14,128
Diluted (in shares) 14,315 14,129 14,248 14,128