York Traditions Bank Statements of Income in thousands)  See accompanying notes to financial statements.  7 Years Ended December 31,  2013 2012 Interest Income 23 2 Loans receivable, including fees 10, 589 10, 585 Securities:  255 217 Taxable 576 656 Tax - exempt 265 233 Federal funds sold and other 24 21 Total Interest Income 11, 454 11, 495 Interest Expense Deposits 1, 845 2, 368 Federal funds purchased and short -term borrowings Long -term borrowings 164 178 Service charges on deposits Total Interest Expense 2, 032 2, 548 Gain on sale of loans 1, 696 3, 039 Net interest income 9, 422 8, 947 Provision for Loan Losses 484 525 Net Interest Income After Provision for Loan Losses 8, 938 8, 422 Salaries and employee benefits 5, 140 4, 652 Noninterest Income 1, 265 1, 214 charges deposits Gain on sale /call of securities 63 Gain sale of loans 696 3, 039 Other 645 601 Total Noninterest Income 2, 659 3, 857 Noninterest Expenses Salaries and benefits 5, 140 4, 652 Occupancy and equipment 1, 214 Advertising and marketing 232 228 Professional fees 397 343 Data processing 542 434 FDIC deposit insurance 168 169 Bank shares tax 194 173 Foreclosed real estate 7 117 Other 989 844 Total Noninterest Expenses 8, 934 8, 174 Income before income taxes 2, 663 4, 105 Income Tax Expense 803 1, 289 Net income 1, 860 2, 816 Preferred Stock Dividends 51 205 Net Income Available to Common Shareholders $  1, 809 $  2, 611