DNB Financial Corporation reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2017. For the quarter, the company reported net income of $808,000, or $0.19 per diluted share, for the quarter ending December 31, 2017, compared with $2.3 million, or $0.55 per diluted share, for the same quarter, last year. Net interest income was $9.6 million, which represented a $142,000 increase from the quarter ending September 30, 2017, and a $237,000 increase from the quarter ending December 31, 2016.  The year-over-year increase was primarily due to an $11.8 million, or 1.4%, rise in total average loans and an 11 basis point increase in the reported net interest margin to 3.74% for the quarter ending December 31, 2017.  Income before income taxes was $3,490,000 compared to $3,243,000 a year ago. Adjusted net income was $2,654,000 compared to $2,313,000 a year ago. Adjusted diluted earnings per share were $0.62 compared to $0.55 a year ago. Return on average assets was 0.30% against of 0.84% a year ago. Adjusted Return on average assets was 0.98% against of 0.84% a year ago. Return on average shareholders’ equity was 3.10% against of 9.78% a year ago. Adjusted Return on average shareholders’ equity was 10.16% against of 9.78% a year ago. Book value per common share was $23.78 compared to $22.36 for the same period a year ago. Tangible book value per common share was $20.06 compared to $18.56 for the same period a year ago. For the year ending December 31, 2017, the company’s net income was $7.9 million, or $1.85 per diluted share, compared with $5.0 million, or $1.55 per diluted share, for the same period, last year. Fourth quarter and full year 2017 results were impacted by a $1.8 million charge, or $0.43 per diluted share, to adjust deferred taxes due to the enactment of the Tax Cuts and Jobs Act. Net interest income was $37,665,000 compared to $25,855,000 a year ago. Income before income taxes was $13,402,000 compared to $6,848,000 a year ago.  Adjusted net income was $9,792,000 compared to $4,979,000 a year ago. Adjusted diluted earnings per share were $2.28 compared to $1.55 a year ago.  Return on average assets was 0.74% against of 0.61% a year ago. Adjusted Return on average assets was 0.91% against of 0.61% a year ago. Return on average shareholders’ equity was 7.93% against of 7.75% a year ago. Adjusted Return on average shareholders’ equity was 9.77% against of 7.75% a year ago.