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Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME      
Interest & fees on loans and leases $ 27,233 $ 28,038 $ 27,397
Interest on interest-bearing balances time deposits with financial institutions 236 520 818
Interest and dividends on investment securities:      
U.S. Treasury and government agencies 1,137 1,619 788
State and political subdivision obligations, tax exempt 1,722 1,329 1,108
Other securities 22 14 12
Interest on federal funds sold and securities purchased under agreements to resell 16 25 25
Total Interest Income 30,366 31,545 30,148
INTEREST EXPENSE      
Interest on deposits 6,147 8,509 9,319
Interest on short-term borrowings 3 4 18
Interest on long-term debt 975 1,009 1,305
Total Interest Expense 7,125 9,522 10,642
Net Interest Income 23,241 22,023 19,506
PROVISION FOR LOAN AND LEASE LOSSES 1,036 1,205 2,635
Net Interest Income After Provision for Loan and Lease Losses 22,205 20,818 16,871
NONINTEREST INCOME      
Income from fiduciary activities 575 539 431
Service charges on deposits 565 704 1,139
Net gain on sales of investment securities 267    
Earnings from cash surrender value of life insurance 247 258 270
Mortgage banking income 675 390 423
ATM debit card interchange income 472 452 408
Other income 882 653 743
Total Noninterest Income 3,683 2,996 3,414
NONINTEREST EXPENSE      
Salaries and employee benefits 10,518 9,519 8,760
Occupancy expense, net 1,077 1,075 916
Equipment expense 1,234 1,292 1,361
Pennsylvania Bank Shares tax expense 462 449 443
FDIC Assessment 1,034 1,057 897
Legal and professional fees 604 444 529
Director fees and benefits expense 335 304 303
Marketing and advertising expense 378 354 308
Computer expense 648 697 578
Telephone expense 411 377 362
(Gain) loss on sale/write-down of foreclosed assets 96 (20) 283
Intangible amortization 45 65 65
Loan collection costs 369 299 307
Other expenses 2,482 2,136 2,009
Total Noninterest Expense 19,693 18,048 17,121
INCOME (LOSS) BEFORE PROVISION FOR (BENEFIT FROM) INCOME TAXES 6,195 5,766 3,164
Provision for income taxes 1,244 1,223 416
NET INCOME (LOSS) 4,951 4,543 2,748
Preferred stock dividends and discount accretion 514 514 514
NET INCOME (LOSS) AVAILABLE TO COMMON SHAREHOLDERS $ 4,437 $ 4,029 $ 2,234
PER COMMON SHARE DATA:      
Basic Earnings (Loss) Per Common Share $ 1.27 $ 1.16 $ 0.64
Diluted Earnings (Loss) Per Common Share $ 1.27 $ 1.16 $ 0.64
Cash Dividends $ 0.25 $ 0.20