| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Interest and fees on loans | 14,615 | 14,359 | 13,769 | 13,116 |
| Taxable | 4,069 | 3,814 | 3,933 | 4,515 |
| Tax-exempt | 238 | 230 | 244 | 279 |
| Dividends | 24 | 18 | 12 | 21 |
| Interest expense | - | - | - | 10,088 |
| Dividend income on restricted investment in bank stocks | 216 | 195 | 199 | 253 |
| Interest on interest-bearing deposits in other banks | 598 | 268 | 53 | 58 |
| Total interest income | 19,760 | 18,884 | 18,210 | 18,242 |
| Interest on deposits | 7,249 | 6,395 | 6,386 | 6,374 |
| Interest on short-term borrowings | 1,482 | 1,473 | 1,557 | 2,181 |
| Interest on long-term borrowings | 1,252 | 1,237 | 1,224 | 1,260 |
| Interest on subordinated debt | 273 | 274 | 273 | 273 |
| Total interest expense | 10,256 | 9,379 | 9,440 | - |
| Net interest income | 9,504 | 9,505 | 8,770 | 8,154 |
| Provision for credit losses | 255 | -237 | 751 | 718 |
| Net interest income after provision for credit losses | 9,249 | 9,742 | 8,019 | 7,436 |
| Non-interest customer contract revenue-Fiduciary And Trust | 259 | 280 | - | - |
| Non-interest customer contract revenue-Banking | 650 | 560 | - | - |
| Increase in cash surrender value of life insurance | 172 | 155 | 165 | 172 |
| Non-interest customer contract revenue | - | - | 807 | 833 |
| Gains from life insurance proceeds | - | 20 | 235 | - |
| Atm fees and debit card income | 577 | 576 | 543 | 574 |
| Net gains on sales of mortgage loans | 59 | 18 | 20 | 40 |
| Net securities gains (losses) | 109 | 105 | -86 | 146 |
| Other | 80 | 84 | 75 | 95 |
| Total non-interest income | 1,906 | 1,798 | 1,759 | 1,860 |
| Salaries and employee benefits | 4,073 | 4,303 | 4,630 | 4,375 |
| Occupancy, net | 560 | 562 | 610 | 536 |
| Furniture and equipment expense | 218 | 211 | 192 | 167 |
| Computer expense | 425 | 416 | 413 | 345 |
| Professional services | 407 | 374 | 378 | 346 |
| Pennsylvania shares tax | 352 | 267 | 221 | 314 |
| Fdic insurance, net | 303 | 304 | 309 | 271 |
| Atm and debit card fees | 321 | 306 | 247 | 245 |
| Data processing fees | 366 | 385 | 357 | 232 |
| Advertising | 97 | 138 | 105 | 155 |
| Other | 880 | 995 | 1,187 | 834 |
| Total non-interest expense | 8,002 | 8,261 | 8,649 | 7,820 |
| Income (loss) before income tax (benefit) expense | 3,153 | 3,279 | 1,129 | 1,476 |
| Income tax expense (benefit) | 345 | 365 | 76 | -31 |
| Net income (loss) | 2,808 | 2,914 | 1,053 | 1,507 |
| Earnings per share, basic | 0.45 | 0.47 | 0.17 | 0.25 |
| Earnings per share, diluted | 0.45 | 0.47 | 0.17 | 0.25 |
| Weighted average number of shares outstanding, basic | 6,219,000 | 6,219,000 | 6,219,000 | 6,185,000 |
| Weighted average number of shares outstanding, diluted | 6,219,000 | 6,219,000 | 6,219,000 | 6,185,000 |
FIRST KEYSTONE CORP (FKYS)
FIRST KEYSTONE CORP (FKYS)