For the year ending 2025-12-31, FKYS had $103,995K increase in cash & cash equivalents over the period. $10,850K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) | 6,152 |
| Provision for credit losses on loans | 4,701 |
| Release of credit losses on unfunded commitments | -20 |
| Goodwill impairment | 0 |
| Depreciation and amortization | 1,277 |
| Net (discount accretion) premium amortization on securities | 86 |
| Deferred income tax benefit | -394 |
| Net gains on sales of mortgage loans | 143 |
| Proceeds from sales of mortgage loans originated for sale | 5,716 |
| Originations of mortgage loans originated for sale | 5,988 |
| Net securities gains | 224 |
| (increase) decrease in accrued interest receivable | 4 |
| Increase in cash surrender value of bank owned life insurance | 666 |
| Gain from bank-owned life insurance proceeds | 255 |
| Net losses on disposals of premises and equipment | -17 |
| Decrease (increase) in other assets | -584 |
| Amortization of investment in low-income housing partnerships | 819 |
| Increase (decrease) in accrued interest payable | 583 |
| (decrease) increase in other liabilities | -906 |
| Net cash provided by operating activities | 11,163 |
| Proceeds from maturities and redemptions of debt securities available-for-sale | 58,380 |
| Purchases of debt securities available-for-sale | 51,918 |
| Net change in restricted investment in bank stocks | -40 |
| Net increase in loans originated as held for investment | 2,520 |
| Proceeds from bank-owned life insurance | 1,238 |
| Purchase of premises and equipment | 313 |
| Purchase of investment in real estate venture | 0 |
| Net cash provided by (used in) investing activities | 4,907 |
| Net increase in deposits | 91,557 |
| Net increase (decrease) in short-term borrowings | 2,419 |
| Proceeds from long-term borrowings | 0 |
| Repayment of long-term borrowings | 0 |
| Dividends paid, net of reinvestment | 6,051 |
| Net cash provided by financing activities | 87,925 |
| Increase in cash and cash equivalents | 103,995 |
| Cash and cash equivalents, beginning | 17,254 |
| Cash and cash equivalents, ending | 121,249 |
FIRST KEYSTONE CORP (FKYS)
FIRST KEYSTONE CORP (FKYS)