FIRST KEYSTONE CORP (FKYS)
2025-06-30 | 2025-03-31 | 2024-09-30 | ||
|---|---|---|---|---|
| Non-interest customer contract revenue-Banking | 560 | - | - | |
| Non-interest customer contract revenue-Fiduciary And Trust | 280 | - | - | |
| Other | 84 | 75 | 95 | |
| Net gains on sales of mortgage loans | 18 | 20 | 40 | |
| Net securities gains (losses) | 105 | -86 | 146 | |
| Increase in cash surrender value of life insurance | 155 | 165 | 172 | |
| Gains from life insurance proceeds | 20 | 235 | - | |
| Atm fees and debit card income | 576 | 543 | 574 | |
| Non-interest customer contract revenue | - | 807 | 833 | |
| Total non-interest income | 1,798 | 1,759 | 1,860 | |
| Pennsylvania shares tax | 267 | 221 | 314 | |
| Professional services | 374 | 378 | 346 | |
| Other | 995 | 1,187 | 834 | |
| Occupancy, net | 562 | 610 | 536 | |
| Salaries and employee benefits | 4,303 | 4,630 | 4,375 | |
| Data processing fees | 385 | 357 | 232 | |
| Furniture and equipment expense | 211 | 192 | 167 | |
| Advertising | 138 | 105 | 155 | |
| Fdic insurance, net | 304 | 309 | 271 | |
| Computer expense | 416 | 413 | 345 | |
| Atm and debit card fees | 306 | 247 | 245 | |
| Total non-interest expense | 8,261 | 8,649 | 7,820 | |
| Provision for credit losses | - | 751 | 718 | |
| Interest expense | - | - | 10,088 | |
| Interest on subordinated debt | 274 | 273 | 273 | |
| Interest on short-term borrowings | 1,473 | 1,557 | 2,181 | |
| Interest on long-term borrowings | 1,237 | 1,224 | 1,260 | |
| Interest on deposits | 6,395 | 6,386 | 6,374 | |
| Total interest expense | 9,379 | 9,440 | - | |
| Dividend income on restricted investment in bank stocks | 195 | 199 | 253 | |
| Tax-exempt | 230 | 244 | 279 | |
| Taxable | 3,814 | 3,933 | 4,515 | |
| Interest on interest-bearing deposits in other banks | 268 | 53 | 58 | |
| Interest and fees on loans | 14,359 | 13,769 | 13,116 | |
| Dividends | 18 | 12 | 21 | |
| Total interest income | 18,884 | 18,210 | 18,242 | |
| Net interest income | 9,505 | 8,770 | 8,154 | |
| (release of) provision for credit losses | -237 | - | - | |
| Net interest income after (release of) provision for credit losses | 9,742 | 8,019 | 7,436 | |
| Income (loss) before income tax (benefit) expense | 3,279 | 1,129 | 1,476 | |
| Income tax (benefit) expense | 365 | 76 | -31 | |
| Net income (loss) | 2,914 | 1,053 | 1,507 | |
| Earnings per share, basic | 0.47 | 0.17 | 0.25 | |
| Earnings per share, diluted | 0.47 | 0.17 | 0.25 | |
| Weighted average number of shares outstanding, basic | 6,219,000 | 6,219,000 | 6,185,000 | |
| Weighted average number of shares outstanding, diluted | 6,219,000 | 6,219,000 | 6,185,000 | |