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Consolidated Statements Of Income (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
Interest income        
Loans, including fees $ 8,019 $ 8,826 $ 24,351 $ 27,035
Interest and dividend on investments:        
Taxable interest 476 445 1,194 1,328
Tax exempt interest 378 380 1,135 1,112
Dividend income 19 18 59 53
Deposits and obligations of other banks 49 59 180 152
Total interest income 8,941 9,728 26,919 29,680
Interest expense        
Deposits 811 1,262 3,076 4,020
Securities sold under agreements to repurchase 10 20 40 59
Long-term debt 124 410 367 1,390
Total interest expense 945 1,692 3,483 5,469
Net interest income 7,996 8,036 23,436 24,211
Provision for loan losses 350 825 1,955 3,600
Net interest income after provision for loan losses 7,646 7,211 21,481 20,611
Noninterest income        
Investment and trust services fees 1,140 957 3,288 2,984
Loan service charges 232 328 674 869
Mortgage banking activities 18 (27) 36 (8)
Deposit service charges and fees 472 479 1,359 1,432
Other service charges and fees 232 209 687 657
Debit card income 315 288 917 859
Increase in cash surrender value of life insurance 150 159 455 493
Other real estate owned (losses) gains, net (119) (197) (260) (169)
Other 89 40 179 154
OTTI losses recognized in earnings (25) (50) (75) (50)
Securities gains, net   23 30 44
Total noninterest income 2,504 2,209 7,290 7,265
Noninterest expense        
Salaries and employee benefits 3,977 4,141 12,208 12,097
Net occupancy expense 566 499 1,702 1,510
Furniture and equipment expense 239 226 730 653
Advertising 386 315 1,039 1,024
Legal and professional fees 233 252 871 791
Data processing 472 382 1,317 1,234
Pennsylvania bank shares tax 204 187 612 560
Intangible amortization 106 109 319 327
FDIC insurance 245 274 760 803
ATM/debit card processing 174 162 520 468
Other 780 808 2,513 2,495
Total noninterest expense 7,382 7,355 22,591 21,962
Income before federal income taxes 2,768 2,065 6,180 5,914
Federal income tax expense 583 318 1,089 893
Net income $ 2,185 $ 1,747 $ 5,091 $ 5,021
Per share        
Basic earnings per share $ 0.53 $ 0.43 $ 1.23 $ 1.24
Diluted earnings per share $ 0.53 $ 0.43 $ 1.23 $ 1.24
Cash dividends declared $ 0.17 $ 0.17 $ 0.51 $ 0.61