Financial insights of FKYS

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$1,959K
EPS
$0.31
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Non-interest income-Fiduciary And Trust	286	268	259	280
Non-interest income-Banking	541	738*	650	560
Increase in cash surrender value of life insurance	170	174	172	155
Losss from life insurance proceeds	-	-127*	-	20
Atm fees and debit card income	544	565	577	576
Net gains on sales of mortgage loans	46	46	59	18
Net securities gains (losses)	174	96	109	105
Other	52	101	80	84
Total non-interest income	1,813	1,860	1,906	1,798
Interest and fees on loans	14,125	14,546	14,615	14,359
Taxable	3,638	4,016	4,069	3,814
Tax-exempt	209	223	238	230
Dividends	14	13	24	18
Dividend income on restricted investment in bank stocks	201	206	216	195
Interest on interest-bearing deposits in other banks	1,055	1,341	598	268
Total interest income	19,242	20,345	19,760	18,884
Interest on deposits	6,910	7,471	7,249	6,395
Interest on short-term borrowings	1,482	1,477	1,482	1,473
Interest on long-term borrowings	1,224	1,251	1,252	1,237
Interest on subordinated debt	495	274	273	274
Total interest expense	10,111	10,473	10,256	9,379
Net interest income	9,131	9,872	9,504	9,505
(recovery of) provision for credit losses	-390	3,932	255	-237
Net interest income after provision for credit losses	9,521	5,940	9,249	9,742
Salaries and employee benefits	4,967	4,873	4,073	4,303
Occupancy, net	641	583	560	562
Furniture and equipment expense	216	215	218	211
Computer expense	554	450	425	416
Professional services	463	452	407	374
Pennsylvania shares tax	271	279	352	267
Fdic insurance, net	323	335	303	304
Atm and debit card fees	262	334	321	306
Data processing fees	391	367	366	385
Advertising	82	109	97	138
Goodwill impairment	-	0	-	-
Other	1,003	999	880	995
Total non-interest expense	9,173	8,996	8,002	8,261
Income before income tax expense	2,161	-1,196	3,153	3,279
Income tax expense	202	-573	345	365
Net income	1,959	-623	2,808	2,914

Basic EPS	0.31	-0.1	0.45	0.47
Diluted EPS	0.31	-0.1	0.45	0.47
Basic Average Shares	6,272,000	6,247,000	6,219,000	6,219,000
Diluted Average Shares	6,272,000	6,247,000	6,219,000	6,219,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$1,959K
EPS
$0.31
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$1,959K
EPS
$0.31
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$1,959KEPS$0.31Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$1,959KEPS$0.31Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$1,959K
EPS
$0.31
Unit: Thousand (K) dollars

Net Income
$1,959K
EPS
$0.31
Unit: Thousand (K) dollars