Financial insights of FKYS

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Non-interest customer contract revenue-Fiduciary And Trust	1,068
Non-interest customer contract revenue-Banking	2,366
Increase in cash surrender value of life insurance	666
Atm fees and debit card income	2,261
Net gains on sales of mortgage loans	143
Net securities gains	224
Gains from life insurance proceeds	255
Other	340
Total non-interest income	7,323
Interest and fees on loans	57,289
Taxable	15,832
Tax-exempt	935
Dividends	67
Dividend income on restricted investment in bank stocks	816
Interest on interest-bearing deposits in other banks	2,260
Total interest income	77,199
Interest on deposits	27,501
Interest on short-term borrowings	5,989
Interest on long-term borrowings	4,964
Interest on subordinated debt	1,094
Total interest expense	39,548
Net interest income	37,651
Provision for credit losses	4,701
Net interest income after provision for credit losses	32,950
Salaries and employee benefits	17,879
Occupancy, net	2,315
Furniture and equipment expense	836
Computer expense	1,704
Professional services	1,611
Pennsylvania shares tax	1,119
Fdic insurance, net	1,251
Atm and debit card fees	1,208
Data processing fees	1,475
Advertising	449
Goodwill impairment	0
Other	4,061
Total non-interest expense	33,908
Income (loss) before income tax (benefit) expense	6,365
Income tax expense (benefit)	213
Net income (loss)	6,152

Basic EPS	0.99
Diluted EPS	0.99
Basic Average Shares	6,226,000
Diluted Average Shares	6,226,000