First Keystone Corporation (FKYS)

First Keystone Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	56.42	51.19	42.75	35.37	32.86	31.53
Interest Income on Investments	19.07	20.24	14.24	11.04	9.19	8.04
Total Interest Income	75.5	71.42	56.99	46.41	42.05	39.57
Interest Paid on Deposits	26.96	25.28	17.11	5.26	3.14	4.95
Interest Paid on Borrowings	12.11	13.87	10.76	3.65	2	1.41
Total Interest Expense	39.07	39.14	27.87	8.91	5.15	6.36
Net Interest Income	36.43	32.28	29.12	37.5	36.9	33.21
Net Interest Income Growth (YoY)	17.70%	10.86%	-22.36%	1.63%	11.12%	17.41%
Trust Income	1.11	1.05	0.93	0.98	1.01	1
Gain (Loss) on Sale of Investments	0.28	0.11	-0.12	-0.85	0.32	-0.06
Other Non-Interest Income	5.83	5.46	5.28	5.21	5.01	4.47
Total Non-Interest Income	7.34	6.7	6.16	5.33	7.32	6.01
Non-Interest Income Growth (YoY)	12.60%	8.79%	15.48%	-27.20%	21.81%	-13.23%
Revenues Before Loan Losses	43.76	38.98	35.27	42.83	44.22	39.22
Provision for Loan Losses	0.92	1.64	-0.22	-0.26	0.86	1.2
Revenue	42.85	37.34	35.49	43.1	43.36	38.02
Revenue Growth (YoY)	19.50%	5.20%	-17.65%	-0.62%	14.06%	9.37%
Salaries and Employee Benefits	17.15	17.23	16.06	14.55	14.15	13.69
Occupancy Expenses	2.06	1.98	1.9	1.75	1.71	1.6
Federal Deposit Insurance	1.34	1.1	0.7	0.49	0.42	0.17
Selling, General & Administrative	6.11	5.57	5.7	4.85	4.63	4.49
Other Non-Interest Expense	6.2	5.58	4.89	5.14	5.45	4.61
Total Non-Interest Expense	32.87	31.45	29.25	26.78	26.35	24.61
EBT Excluding Unusual Items	9.98	5.89	6.24	16.32	17.01	13.41
Pretax Income	9.98	-13.25	6.24	16.32	17.01	13.41
Income Tax Expense	0.92	-0.05	0.68	2.29	2.32	1.58
Net Income	9.06	-13.2	5.56	14.02	14.69	11.84
Net Income to Common	9.06	-13.2	5.56	14.02	14.69	11.84
Net Income Growth	-	-	-60.35%	-4.52%	24.09%	15.74%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	1.32%	1.92%	1.34%	1.12%	1.15%	0.98%
EPS (Basic)	1.46	-2.14	0.92	2.35	2.49	2.03
EPS (Diluted)	1.46	-2.14	0.91	2.35	2.49	2.03
EPS Growth	-	-	-61.23%	-5.58%	22.68%	14.61%
Dividend Per Share	1.120	1.120	1.120	1.120	1.090	1.080
Dividend Growth	-	-	-	2.75%	0.93%	-
Effective Tax Rate	9.21%	-	10.95%	14.06%	13.65%	11.76%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.