| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Cash and cash equivalents at beginning of period | 17,254 | - |
| Net income (loss) | 6,775 | 3,967 |
| Provision for credit losses on loans | 769 | 514 |
| (release of) provision for credit losses on unfunded commitments | -12 | -6 |
| Goodwill impairment | 0 | 0 |
| Depreciation and amortization | 943 | 609 |
| Net (discount accretion) premium amortization on securities | 5 | - |
| Deferred income tax expense (benefit) | 252 | 210 |
| Net gains on sales of mortgage loans | 97 | 38 |
| Proceeds from sales of mortgage loans originated for sale | 3,792 | 1,921 |
| Originations of mortgage loans originated for sale | 3,071 | 1,258 |
| Net securities (gains) losses | 128 | 19 |
| Increase in accrued interest receivable | 82 | -39 |
| Increase in cash surrender value of bank owned life insurance | 492 | 320 |
| Gain from bank-owned life insurance proceeds | 255 | 255 |
| Net losses on disposals of premises and equipment | -12 | -2 |
| Increase in other assets | 94 | -516 |
| Amortization of investment in low-income housing partnerships | 614 | 409 |
| Net premium amortization on securities | - | 104 |
| Increase (decrease) in accrued interest payable | 1,023 | 167 |
| (decrease) increase in other liabilities | -749 | -833 |
| Net cash provided by operating activities | 9,195 | 5,729 |
| Proceeds from maturities and redemptions of debt securities available-for-sale | 41,836 | 26,887 |
| Purchases of debt securities available-for-sale | 51,918 | 2,500 |
| Net change in restricted investment in bank stocks | -40 | -40 |
| Net increase in loans | 10,347 | 12,368 |
| Proceeds from bank-owned life insurance | 1,237 | 1,237 |
| Purchase of premises and equipment | 329 | 267 |
| Common stock issued | - | 0 |
| Purchase of investment in real estate venture | 0 | 0 |
| Dividends paid | - | 3,482 |
| Net cash used in investing activities | -19,481 | 13,029 |
| Net increase in deposits | 146,614 | 11,398 |
| Net (decrease) increase in short-term borrowings | -1,570 | -4,875 |
| Repayment of long-term borrowings | 0 | - |
| Dividends paid, net of reinvestment | 4,757 | - |
| Net cash provided by financing activities | 140,287 | 3,041 |
| Increase in cash and cash equivalents | 130,001 | 21,799 |
| Cash and cash equivalents at end of period | 147,255 | - |
FIRST KEYSTONE CORP (FKYS)
FIRST KEYSTONE CORP (FKYS)