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CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2018 | Jun. 30, 2017 | Jun. 30, 2018 | Jun. 30, 2017
INTEREST INCOME: |  |  |  |
Interest and fees on loans | $ 12,461 | $ 10,304 | $ 24,322 | $ 20,021
Interest-bearing deposits with banks | 66 | 45 | 124 | 80
Investment securities: |  |  |  |
Taxable | 916 | 775 | 1,716 | 1,579
Nontaxable | 474 | 601 | 1,001 | 1,269
Dividends | 111 | 53 | 248 | 129
TOTAL INTEREST INCOME | 14,028 | 11,778 | 27,411 | 23,078
INTEREST EXPENSE: |  |  |  |
Deposits | 1,585 | 1,143 | 2,901 | 2,188
Borrowed funds | 692 | 231 | 1,339 | 489
TOTAL INTEREST EXPENSE | 2,277 | 1,374 | 4,240 | 2,677
NET INTEREST INCOME | 11,751 | 10,404 | 23,171 | 20,401
Provision for loan losses | 325 | 625 | 825 | 1,240
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | 11,426 | 9,779 | 22,346 | 19,161
Non Interest Income [Abstract] |  |  |  |
Revenue from customers | 1,566 |  | 3,187 |
Gains on loans sold | 60 | 148 | 132 | 249
Equity security gains, net | 7 | 0 | 13 | 0
Available for sale security gains, net | 0 | 23 | 0 | 195
Earnings on bank owned life insurance | 154 | 167 | 306 | 333
Other | 133 | 128 | 273 | 254
TOTAL NON-INTEREST INCOME | 1,842 | 1,888 | 3,748 | 3,923
NON-INTEREST EXPENSES: |  |  |  |
Salaries and employee benefits | 4,737 | 4,377 | 9,572 | 8,743
Occupancy | 514 | 477 | 1,106 | 1,004
Furniture and equipment | 122 | 146 | 264 | 285
Professional fees | 262 | 258 | 557 | 568
FDIC insurance | 107 | 95 | 207 | 200
Pennsylvania shares tax | 300 | 243 | 600 | 524
Amortization of intangibles | 74 | 73 | 150 | 149
Other real estate owned expenses | 157 | 82 | 295 | 172
Other | 1,429 | 1,415 | 2,783 | 2,712
TOTAL NON-INTEREST EXPENSES | 7,702 | 7,166 | 15,534 | 14,357
Income before provision for income taxes | 5,566 | 4,501 | 10,560 | 8,727
Provision for income taxes | 875 | 1,033 | 1,622 | 1,956
NET INCOME | $ 4,691 | $ 3,468 | $ 8,938 | $ 6,771
PER COMMON SHARE DATA: |  |  |  |
Net Income - Basic (in dollars per share) | $ 1.34 | $ 0.99 | $ 2.55 | $ 1.93
Net Income - Diluted (in dollars per share) | 1.34 | 0.99 | 2.55 | 1.93
Cash Dividends Paid (in dollars per share) | $ 0.435 | $ 0.401 | $ 0.870 | $ 0.802
Number of shares used in computation - basic (in shares) | 3,507,242 | 3,514,394 | 3,509,882 | 3,513,925
Number of shares used in computation - diluted (in shares) | 3,508,709 | 3,515,582 | 3,510,513 | 3,514,535
Service Charges [Member] |  |  |  |
Non Interest Income [Abstract] |  |  |  |
Revenue from customers | $ 1,170 | $ 1,120 | $ 2,274 | $ 2,178
Trust [Member] |  |  |  |
Non Interest Income [Abstract] |  |  |  |
Revenue from customers | 150 | 188 | 401 | 409
Brokerage and Insurance [Member] |  |  |  |
Non Interest Income [Abstract] |  |  |  |
Revenue from customers | $ 168 | $ 114 | $ 349 | $ 305

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