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CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2019 | Sep. 30, 2018 | Sep. 30, 2019 | Sep. 30, 2018
INTEREST INCOME: |  |  |  |
Interest and fees on loans | $ 13,915 | $ 12,666 | $ 41,005 | $ 36,988
Interest-bearing deposits with banks | 103 | 94 | 311 | 218
Investment securities: |  |  |  |
Taxable | 1,361 | 967 | 3,597 | 2,683
Nontaxable | 378 | 425 | 1,109 | 1,426
Dividends | 117 | 107 | 371 | 355
TOTAL INTEREST INCOME | 15,874 | 14,259 | 46,393 | 41,670
INTEREST EXPENSE: |  |  |  |
Deposits | 2,315 | 1,794 | 7,027 | 4,695
Borrowed funds | 660 | 695 | 2,216 | 2,034
TOTAL INTEREST EXPENSE | 2,975 | 2,489 | 9,243 | 6,729
NET INTEREST INCOME | 12,899 | 11,770 | 37,150 | 34,941
Provision for loan losses | 400 | 475 | 1,150 | 1,300
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | 12,499 | 11,295 | 36,000 | 33,641
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | 1,742 | 1,634 | 5,197 | 4,819
Gains on loans sold | 176 | 170 | 339 | 302
Equity security gains (losses), net | 29 | (4) | 70 | 9
Available for sale security gains (losses), net | 8 | (8) | 8 | (8)
Earnings on bank owned life insurance | 158 | 161 | 463 | 467
Other | 144 | 141 | 427 | 414
TOTAL NON-INTEREST INCOME | 2,177 | 2,010 | 6,237 | 5,758
NON-INTEREST EXPENSES: |  |  |  |
Salaries and employee benefits | 5,096 | 4,679 | 15,129 | 14,251
Occupancy | 530 | 500 | 1,639 | 1,606
Furniture and equipment | 165 | 130 | 501 | 394
Professional fees | 343 | 507 | 1,101 | 1,273
FDIC insurance (credit) | (20) |  |  |
FDIC insurance fee |  | 120 | 196 | 327
Pennsylvania shares tax | 275 | 250 | 825 | 850
Amortization of intangibles | 66 | 74 | 198 | 224
Merger and acquisition | 275 | 0 | 275 | 0
ORE expenses | 92 | 6 | 308 | 92
Other | 1,592 | 1,522 | 4,801 | 4,305
TOTAL NON-INTEREST EXPENSES | 8,414 | 7,788 | 24,973 | 23,322
Income before provision for income taxes | 6,262 | 5,517 | 17,264 | 16,077
Provision for income taxes | 1,066 | 936 | 2,817 | 2,558
NET INCOME | $ 5,196 | $ 4,581 | $ 14,447 | $ 13,519
PER COMMON SHARE DATA: |  |  |  |
Net Income - Basic (in dollars per share) | $ 1.48 | $ 1.30 | $ 4.10 | $ 3.82
Net Income - Diluted (in dollars per share) | 1.48 | 1.30 | 4.10 | 3.81
Cash Dividends Paid (in dollars per share) | $ 0.450 | $ 0.436 | $ 1.331 | $ 1.289
Number of shares used in computation - basic (in shares) | 3,515,678 | 3,537,315 | 3,522,377 | 3,541,971
Number of shares used in computation - diluted (in shares) | 3,515,678 | 3,537,476 | 3,524,657 | 3,544,132
Service Charges [Member] |  |  |  |
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | $ 1,225 | $ 1,181 | $ 3,498 | $ 3,455
Trust [Member] |  |  |  |
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | 148 | 147 | 589 | 548
Brokerage and Insurance [Member] |  |  |  |
NON-INTEREST INCOME: |  |  |  |
Revenue from customers | $ 289 | $ 222 | $ 843 | $ 571

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- Definition The aggregate expense charged against earnings to allocate the cost of intangible assets (Core deposits and Non Compete) (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method. + References No definition available. + Details
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- Definition This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses. + References No definition available. + Details
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- Definition Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 220 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.14) -URI http://asc.fasb.org/extlink&oid=116637391&loc=SL114874048-224260 + Details
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- Definition The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans made to finance real estate acquisitions. This element refers to the gain (loss) and not to the cash proceeds of the sale. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 310 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=118959141&loc=d3e21310-158488 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 310 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=118959141&loc=d3e21286-158488 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=118932676&loc=d3e3602-108585 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 310 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=117337389&loc=d3e21493-158490 + Details
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- Definition The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 220 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.1) -URI http://asc.fasb.org/extlink&oid=116637391&loc=SL114874048-224260 + Details
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