For the quarter ending 2025-09-30, FKYS had $108,202K increase in cash & cash equivalents over the period. $3,404K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Cash and cash equivalents at beginning of period | 17,254 | - |
| Net income (loss) | 2,808 | 3,967 |
| Provision for credit losses on loans | 255 | 514 |
| (release of) provision for credit losses on unfunded commitments | -6 | -6 |
| Goodwill impairment | 0 | 0 |
| Depreciation and amortization | 334 | 609 |
| Net (discount accretion) premium amortization on securities | 5 | - |
| Deferred income tax expense (benefit) | 42 | 210 |
| Net gains on sales of mortgage loans | 59 | 38 |
| Proceeds from sales of mortgage loans originated for sale | 1,871 | 1,921 |
| Originations of mortgage loans originated for sale | 1,813 | 1,258 |
| Net securities (gains) losses | 109 | 19 |
| Increase in accrued interest receivable | 121 | -39 |
| Increase in cash surrender value of bank owned life insurance | 172 | 320 |
| Gain from bank-owned life insurance proceeds | 0 | 255 |
| Net losses on disposals of premises and equipment | -10 | -2 |
| Increase in other assets | 610 | -516 |
| Amortization of investment in low-income housing partnerships | 205 | 409 |
| Net premium amortization on securities | - | 104 |
| Increase (decrease) in accrued interest payable | 856 | 167 |
| (decrease) increase in other liabilities | 84 | -833 |
| Net cash provided by operating activities | 3,466 | 5,729 |
| Proceeds from maturities and redemptions of debt securities available-for-sale | 14,949 | 26,887 |
| Purchases of debt securities available-for-sale | 49,418 | 2,500 |
| Net change in restricted investment in bank stocks | 0 | -40 |
| Net increase in loans | -2,021 | 12,368 |
| Proceeds from bank-owned life insurance | 0 | 1,237 |
| Purchase of premises and equipment | 62 | 267 |
| Common stock issued | - | 0 |
| Purchase of investment in real estate venture | 0 | 0 |
| Dividends paid | - | 3,482 |
| Net cash used in investing activities | -32,510 | 13,029 |
| Net increase in deposits | 135,216 | 11,398 |
| Net (decrease) increase in short-term borrowings | 3,305 | -4,875 |
| Repayment of long-term borrowings | 0 | - |
| Dividends paid, net of reinvestment | 4,757 | - |
| Net cash provided by financing activities | 137,246 | 3,041 |
| Increase in cash and cash equivalents | 108,202 | 21,799 |
| Cash and cash equivalents at end of period | 147,255 | - |
FIRST KEYSTONE CORP (FKYS)
FIRST KEYSTONE CORP (FKYS)