Financialsexperimental

FIRST KEYSTONE CORP (FKYS). Every figure is as filed in the company's 10-Q and 10-K reports. Quarters a filing does not report on their own are worked out from its year-to-date figures and marked *.

Income Statement Balance Sheet Cash FlowQuarterly Annual

USD in thousands · per-share amounts in USD

Income Statement	Q2 FY26 30 Jun 2026	Q1 FY26 31 Mar 2026	Q4 FY25 31 Dec 2025	Q3 FY25 30 Sept 2025	Q2 FY25 30 Jun 2025	Q1 FY25 31 Mar 2025	Q4 FY24 31 Dec 2024	Q3 FY24 30 Sept 2024	Q2 FY24 30 Jun 2024	Q1 FY24 31 Mar 2024	Q4 FY23 31 Dec 2023	Q3 FY23 30 Sept 2023	Q2 FY23 30 Jun 2023	Q1 FY23 31 Mar 2023	Q4 FY22 31 Dec 2022	Q3 FY22 30 Sept 2022	Q2 FY22 30 Jun 2022	Q1 FY22 31 Mar 2022	Q4 FY21 31 Dec 2021	Q3 FY21 30 Sept 2021
Interest and fees on loans	14,359	14,125	14,546*	14,615	14,359	13,769	13,680*	13,116	12,371	12,020	11,496*	10,961	10,379	9,911	9,724*	8,986	8,486	8,176	8,386*	8,331
Taxable	3,586	3,638	4,016*	4,069	3,814	3,933	4,221*	4,515	4,666	4,341	3,768*	2,842	2,833	2,868	2,147*	1,960	1,716	1,571	1,523*	1,455
Tax-exempt	207	209	223*	238	230	244	243*	279	279	273	296*	259	261	350	785*	842	849	836	816*	854
Dividends	25	14	13*	24	18	12	12*	21	12	12	12*	20	12	12	12*	19	11	13	13*	25
Dividend income on restricted investment in bank stocks	206	201	206*	216	195	199	197*	253	243	235	192*	151	162	164	106*	88	49	21	23*	20
Interest on interest-bearing deposits in other banks	1,593	1,055	1,341*	598	268	53	288*	58	22	65	29*	4	4	2	2*	2	0*	12	37*	31
Total interest income	19,976	19,242	20,345*	19,760	18,884	18,210	18,641*	18,242	17,593	16,946	15,793*	14,237	13,651	13,307	12,776*	11,897	11,111	10,629	10,798*	10,716
Interest on deposits	6,469	6,910	7,471*	7,249	6,395	6,386	6,929*	6,374	6,019	5,954	5,568*	4,656	3,833	3,051	2,518*	1,350	706	685	776*	790
Interest on short-term borrowings	1,455	1,482	1,477*	1,482	1,473	1,557	1,552*	2,181	2,021	1,966	2,126*	2,299	2,302	2,047	1,105*	620	182	28	28*	25
Interest on long-term borrowings	1,237	1,224	1,251*	1,252	1,237	1,224	1,237*	1,260	1,278	1,278	505*	125	134	132	135*	135	168	190	194*	195
Interest on subordinated debt	499	495	274*	273	274	273	274*	273	274	273	274*	273	274	273	274*	273	274	270	274*	273
Total interest expense								10,088,000	9,592,000	9,471,000	8,473,000*	7,353,000	6,543,000	5,503,000	4,032,000*	2,378,000	1,330,000	1,173,000	1,272,000*	1,283,000
Total interest expense	9,660	10,111	10,473*	10,256	9,379	9,440
Net interest income	10,316	9,131	9,872*	9,504	9,505	8,770	8,649*	8,154	8,001	7,475	7,320*	6,884	7,108	7,804	8,744*	9,519	9,781	9,456	9,526*	9,433
(Credit) provision for loan losses															-920*	219	218	219	405*	185
(Credit) provision for credit losses												-370	34	0
Provision for credit losses						751,000	148,000*	718,000	510,000	264,000
(Recovery of) provision for credit losses	-299	-390	3,932*	255	-237
Net interest income after provision for credit losses	10,615	9,521	5,940*	9,249	9,742	8,019	8,501*	7,436	7,491	7,211	7,201*	7,254	7,074	7,804	9,664*	9,300	9,563	9,237	9,121*	9,248
Trust department									254,000	244,000	222,000*	231,000	248,000	230,000	221,000*	236,000	268,000	250,000	247,000*	243,000
Increase in cash surrender value of life insurance	174	170	174*	172	155	165	171*	172	164	162	162*	157	153	149	150*	151	148	148	150*	149
ATM fees and debit card income	599	544	565*	577	576	543	572*	574	565	517	541*	556	566	532	548*	531	558	509	544*	555
Service charges and fees									568,000	525,000	553,000*	556,000	571,000	525,000	562,000*	573,000	549,000	509,000	562,000*	496,000
Net gains on sales of mortgage loans	13	46	46*	59	18	20	12*	40	17	11	21*	10	17	17	31*	-4	0*	-34	179*	139
Net securities gains	374	174	96*	109	105	-86	153*	146	-10	-184	94*	-87	-69	-56	-665*	-50	-68	-63	158*	22
Gains from life insurance proceeds			0*	0*	20,000	235,000
Other	132	52	101*	80	84	75	90*	95	63	69	96*	53	53	55	88*	56	59	70	46*	93
Total non-interest income	2,145	1,813	1,860*	1,906	1,798	1,759	1,872*	1,860	1,621	1,344	1,689*	1,476	1,539	1,452	935*	1,493	1,514	1,389	1,886*	1,697
Salaries and employee benefits	4,228	4,967	4,873*	4,073	4,303	4,630	4,146*	4,375	4,153	4,554	3,916*	4,020	3,733	4,386	3,861*	3,677	3,462	3,554	4,084*	3,303
Occupancy, net	570	641	583*	560	562	610	554*	536	536	565	508*	524	559	528	499*	467	478	492	457*	448
Furniture and equipment expense	209	216	215*	218	211	192	207*	167	150	152	169*	160	156	152	155*	137	147	155	140*	150
Computer expense	507	554	450*	425	416	413	424*	345	340	369	384*	418	406	363	392*	373	358	370	320*	315
Professional services	441	463	452*	407	374	378	372*	346	466	433	323*	336	346	435	307*	295	370	298	274*	244
Pennsylvania shares tax	272	271	279*	352	267	221	306*	314	244	206	190*	189	241	241	278*	312	324	324	267*	309
FDIC insurance, net	320	323	335*	303	304	309	420*	271	218	188	174*	175	178	176	117*	116	120	137	113*	103
ATM and debit card fees	347	262	334*	321	306	247	278*	245	258	222	278*	283	278	307	255*	274	242	128	327*	281
Data processing fees	422	391	367*	366	385	357	266*	232	235	289	91*	544	357	312	201*	205	251	258	288*	295
Advertising	100	82	109*	97	138	105	138*	155	163	104	148*	152	154	74	103*	96	118	72	125*	101
Other	1,022	1,003	999*	880	995	1,187	842*	834	903	930	734*	619	749	779	787*	759	725	728	948*	718
Foreclosed assets held for resale expense, net																			0*
Goodwill impairment			0*	0*	0*	0	0*	0*	0*	19,133,000
Total non-interest expense	8,438	9,173	8,996*	8,002	8,261	8,649	7,953*	7,820	7,666	27,145	6,915*	7,420	7,157	7,753	6,955*	6,711	6,595	6,516	7,343*	6,267
Income before income tax expense	4,322	2,161	-1,196*	3,153	3,279	1,129	2,420*	1,476	1,446	-18,590	1,975*	1,310	1,456	1,503	3,644*	4,082	4,482	4,110	3,664*	4,678
Income tax expense	545	202	-573*	345	365	76	133*	-31	66	-213	194*	27	317	146	489*	578	660	567	482*	655
NET INCOME	3,777	1,959	-623*	2,808	2,914	1,053	2,287*	1,507	1,380	-18,377	1,781*	1,283	1,139	1,357	3,155*	3,504	3,822	3,543	3,182*	4,023
Basic	0.6	0.31		0.45	0.47	0.17		0.25	0.23	-3		0.21	0.19	0.23		0.58	0.64	0.6		0.68
Diluted	0.6	0.31		0.45	0.47	0.17		0.25	0.23	-3		0.21	0.19	0.23		0.58	0.64	0.6		0.68
Dividends per share	0.28	0.28		0.28	0.28	0.28		0.28	0.28	0.28		0.28	0.28	0.28		0.28	0.28	0.28		0.28
Non-interest income — Fiduciary And Trust	295	286	268*	259	280	261	313*	240
Non-interest income — Banking	558	541	610*	650	560	546	561*	593