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v3.20.1

Consolidated Statement of Income - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2019 | Dec. 31, 2018 | Dec. 31, 2017
INTEREST AND DIVIDEND INCOME: |  |  |
Interest and fees on loans | $ 54,911 | $ 50,458 | $ 42,127
Interest-bearing deposits with banks | 407 | 319 | 186
Investment securities: |  |  |
Taxable | 4,673 | 3,790 | 3,095
Nontaxable | 1,492 | 1,744 | 2,414
Dividends | 497 | 447 | 271
TOTAL INTEREST AND DIVIDEND INCOME | 61,980 | 56,758 | 48,093
INTEREST EXPENSE: |  |  |
Deposits | 9,219 | 6,910 | 4,625
Borrowed funds | 2,821 | 2,664 | 1,214
TOTAL INTEREST EXPENSE | 12,040 | 9,574 | 5,839
NET INTEREST INCOME | 49,940 | 47,184 | 42,254
Provision for loan losses | 1,675 | 1,925 | 2,540
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | 48,265 | 45,259 | 39,714
NON-INTEREST INCOME: |  |  |
Revenue from customers | 6,926 | 6,512 |
Equity security gains, net | 120 | 0 | 0
Available for sale security gains (losses), net | 24 | (19) | 1,035
Gains on loans sold | 473 | 382 | 578
Earnings on bank owned life insurance | 623 | 622 | 660
Other | 568 | 588 | 537
TOTAL NON-INTEREST INCOME | 8,386 | 7,735 | 8,656
NON-INTEREST EXPENSES: |  |  |
Salaries and employee benefits | 20,456 | 19,094 | 17,655
Occupancy | 2,174 | 2,126 | 1,988
Furniture and equipment | 674 | 536 | 603
Professional fees | 1,423 | 1,925 | 1,299
Federal depository insurance | 75 | 417 | 385
Pennsylvania shares tax | 808 | 835 | 705
Amortization of intangibles | 259 | 296 | 297
Merger and acquisition | 466 | 0 | 165
ORE expenses | 376 | 158 | 395
Software expenses | 948 | 876 | 795
Other | 5,682 | 5,294 | 5,027
TOTAL NON-INTEREST EXPENSES | 33,341 | 31,557 | 29,314
Income before provision for income taxes | 23,310 | 21,437 | 19,056
Provision for income taxes | 3,820 | 3,403 | 6,031
NET INCOME | $ 19,490 | $ 18,034 | $ 13,025
PER COMMON SHARE DATA: |  |  |
NET INCOME - BASIC (in dollars per share) | $ 5.54 | $ 5.09 | $ 3.67
NET INCOME - DILUTED (in dollars per share) | 5.53 | 5.09 | 3.67
CASH DIVIDENDS PER SHARE (in dollars per share) | $ 1.78 | $ 1.73 | $ 1.64
Number of shares used in computation - basic (in shares) | 3,520,832 | 3,539,674 | 3,550,094
Number of shares used in computation - diluted (in shares) | 3,522,928 | 3,541,662 | 3,551,818
Service Charges [Member] |  |  |
NON-INTEREST INCOME: |  |  |
Revenue from customers | $ 4,687 | $ 4,667 | $ 4,456
Trust [Member] |  |  |
NON-INTEREST INCOME: |  |  |
Revenue from customers | 750 | 705 | 755
Brokerage and Insurance [Member] |  |  |
NON-INTEREST INCOME: |  |  |
Revenue from customers | $ 1,141 | $ 790 | $ 635

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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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