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	FY FY25 31 Dec 2025	FY FY24 31 Dec 2024	FY FY23 31 Dec 2023	FY FY22 31 Dec 2022	FY FY21 31 Dec 2021
Interest and fees on loans	57,289	51,187	42,747	35,372	32,860
Taxable	15,832	17,743	12,311	7,394	5,578
Tax-exempt	935	1,074	1,166	3,312	3,372
Dividends	67	57	56	55	62
Dividend income on restricted investment in bank stocks	816	928	669	264	96
Interest on interest-bearing deposits in other banks	2,260	433	39	16	80
Total interest income	77,199	71,422	56,988	46,413	42,048
Interest on deposits	27,501	25,276	17,108	5,259	3,144
Interest on short-term borrowings	5,989	7,720	8,774	1,935	93
Interest on long-term borrowings	4,964	5,053	896	628	817
Interest on subordinated debt	1,094	1,094	1,094	1,091	1,094
Total interest expense			27,872,000	8,913,000	5,148,000
Total interest expense	39,548	39,143
Net interest income	37,651	32,279	29,116	37,500	36,900
(Credit) provision for loan losses				-264	860
Provision for credit losses		1,640,000	-217,000
(Recovery of) provision for credit losses	4,701
Net interest income after provision for credit losses	32,950	30,639	29,333	37,764	36,040
Trust department			931,000	975,000	1,008,000
Increase in cash surrender value of life insurance	666	669	621	597	598
ATM fees and debit card income	2,261	2,228	2,195	2,146	2,183
Service charges and fees			2,205,000	2,193,000	1,914,000
Net gains on sales of mortgage loans	143	80	65	-7	980
Net securities gains	224	105	-118	-846	323
Gains from life insurance proceeds	255,000
Other	340	317	257	273	317
Total non-interest income	7,323	6,697	6,156	5,331	7,323
Salaries and employee benefits	17,879	17,228	16,055	14,554	14,148
Occupancy, net	2,315	2,191	2,119	1,936	1,885
Furniture and equipment expense	836	676	637	594	570
Computer expense	1,704	1,478	1,571	1,493	1,220
Professional services	1,611	1,617	1,440	1,270	1,050
Pennsylvania shares tax	1,119	1,070	861	1,238	1,202
FDIC insurance, net	1,251	1,097	703	490	423
ATM and debit card fees	1,208	1,003	1,146	899	1,091
Data processing fees	1,475	1,022	1,304	915	1,200
Advertising	449	560	528	389	407
Foreclosed assets held for resale expense, net				0	3
Other	4,061	3,509	2,881	2,999	3,155
Goodwill impairment	0	19,133,000
Total non-interest expense	33,908	50,584	29,245	26,777	26,354
Income before income tax expense	6,365	-13,248	6,244	16,318	17,009
Income tax expense	213	-45	684	2,294	2,321
NET INCOME	6,152	-13,203	5,560	14,024	14,688
Basic	0.99	-2.14	0.91	2.35	2.49
Diluted	0.99	-2.14	0.91	2.35	2.49
Dividends per share	1.12	1.12	1.12	1.12	1.12
Non-interest income — Fiduciary And Trust	1,068	1,051
Non-interest income — Banking	2,366	2,247