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CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($) | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2018 | Sep. 30, 2017 | Sep. 30, 2018 | Sep. 30, 2017
INTEREST INCOME: |  |  |  |
Interest and fees on loans | $ 12,666,000 | $ 10,659,000 | $ 36,988,000 | $ 30,680,000
Interest-bearing deposits with banks | 94,000 | 49,000 | 218,000 | 129,000
Investment securities: |  |  |  |
Taxable | 967,000 | 762,000 | 2,683,000 | 2,341,000
Nontaxable | 425,000 | 588,000 | 1,426,000 | 1,857,000
Dividends | 107,000 | 62,000 | 355,000 | 191,000
TOTAL INTEREST INCOME | 14,259,000 | 12,120,000 | 41,670,000 | 35,198,000
INTEREST EXPENSE: |  |  |  |
Deposits | 1,794,000 | 1,210,000 | 4,695,000 | 3,398,000
Borrowed funds | 695,000 | 293,000 | 2,034,000 | 782,000
TOTAL INTEREST EXPENSE | 2,489,000 | 1,503,000 | 6,729,000 | 4,180,000
NET INTEREST INCOME | 11,770,000 | 10,617,000 | 34,941,000 | 31,018,000
Provision for loan losses | 475,000 | 500,000 | 1,300,000 | 1,740,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | 11,295,000 | 10,117,000 | 33,641,000 | 29,278,000
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | 1,634,000 |  | 4,819,000 |
Gains on loans sold | 170,000 | 134,000 | 302,000 | 383,000
Equity security gains (losses), net | (4,000) | 0 | 9,000 | 0
Available for sale security gains (losses), net | (8,000) | 9,000 | (8,000) | 204,000
Earnings on bank owned life insurance | 161,000 | 166,000 | 467,000 | 499,000
Other | 141,000 | 126,000 | 414,000 | 380,000
TOTAL NON-INTEREST INCOME | 2,010,000 | 1,921,000 | 5,758,000 | 5,844,000
NON-INTEREST EXPENSES: |  |  |  |
Salaries and employee benefits | 4,679,000 | 4,287,000 | 14,251,000 | 13,030,000
Occupancy | 500,000 | 475,000 | 1,606,000 | 1,479,000
Furniture and equipment | 130,000 | 159,000 | 394,000 | 444,000
Professional fees | 507,000 | 318,000 | 1,273,000 | 942,000
FDIC insurance | 120,000 | 95,000 | 327,000 | 295,000
Pennsylvania shares tax | 250,000 | 243,000 | 850,000 | 767,000
Amortization of intangibles | 74,000 | 74,000 | 224,000 | 223,000
OREO expenses | 6,000 | 139,000 | 92,000 | 255,000
Other | 1,522,000 | 1,457,000 | 4,305,000 | 4,169,000
TOTAL NON-INTEREST EXPENSES | 7,788,000 | 7,247,000 | 23,322,000 | 21,604,000
Income before provision for income taxes | 5,517,000 | 4,791,000 | 16,077,000 | 13,518,000
Provision for income taxes | 936,000 | 1,141,000 | 2,558,000 | 3,097,000
NET INCOME | $ 4,581,000 | $ 3,650,000 | $ 13,519,000 | $ 10,421,000
PER COMMON SHARE DATA: |  |  |  |
Net Income - Basic (in dollars per share) | $ 1.31 | $ 1.04 | $ 3.85 | $ 2.96
Net Income - Diluted (in dollars per share) | 1.31 | 1.04 | 3.85 | 2.96
Cash Dividends Paid (in dollars per share) | $ 0.440 | $ 0.426 | $ 1.302 | $ 1.228
Number of shares used in computation - basic (in shares) | 3,502,859 | 3,517,208 | 3,507,515 | 3,515,032
Number of shares used in computation - diluted (in shares) | 3,503,020 | 3,519,493 | 3,509,676 | 3,516,906
Service Charges [Member] |  |  |  |
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | $ 1,181,000 | $ 1,145,000 | $ 3,455,000 | $ 3,323,000
Trust [Member] |  |  |  |
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | 147,000 | 187,000 | 548,000 | 596,000
Brokerage and Insurance [Member] |  |  |  |
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | $ 222,000 | $ 154,000 | $ 571,000 | $ 459,000

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