First Keystone Corporation (FKYS)

First Keystone Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	57.65	57.29	51.19	42.75	35.37	32.86
Interest Income on Investments	20.59	19.91	20.24	14.24	11.04	9.19
Total Interest Income	78.23	77.2	71.42	56.99	46.41	42.05
Interest Paid on Deposits	28.03	27.5	25.28	17.11	5.26	3.14
Interest Paid on Borrowings	12.19	12.05	13.87	10.76	3.65	2
Total Interest Expense	40.22	39.55	39.14	27.87	8.91	5.15
Net Interest Income	38.01	37.65	32.28	29.12	37.5	36.9
Net Interest Income Growth (YoY)	13.22%	16.64%	10.86%	-22.36%	1.63%	11.12%
Trust Income	1.09	1.07	1.05	0.93	0.98	1.01
Gain (Loss) on Sale of Investments	0.48	0.22	0.11	-0.12	-0.85	0.32
Other Non-Interest Income	5.61	5.63	5.46	5.28	5.21	5.01
Total Non-Interest Income	7.36	7.07	6.7	6.16	5.33	7.32
Non-Interest Income Growth (YoY)	6.98%	5.54%	8.79%	15.48%	-27.20%	21.81%
Revenues Before Loan Losses	45.37	44.72	38.98	35.27	42.83	44.22
Provision for Loan Losses	3.56	4.7	1.64	-0.22	-0.26	0.86
Revenue	41.81	40.02	37.34	35.49	43.1	43.36
Revenue Growth (YoY)	9.09%	7.18%	5.20%	-17.65%	-0.62%	14.06%
Salaries and Employee Benefits	18.22	17.88	17.23	16.06	14.55	14.15
Occupancy Expenses	2.14	2.11	1.98	1.9	1.75	1.71
Federal Deposit Insurance	1.27	1.25	1.1	0.7	0.49	0.42
Selling, General & Administrative	6.54	6.28	5.57	5.7	4.85	4.63
Other Non-Interest Expense	6.58	6.39	5.58	4.89	5.14	5.45
Total Non-Interest Expense	34.74	33.91	31.45	29.25	26.78	26.35
EBT Excluding Unusual Items	7.07	6.11	5.89	6.24	16.32	17.01
Pretax Income	7.4	6.37	-13.25	6.24	16.32	17.01
Income Tax Expense	0.34	0.21	-0.05	0.68	2.29	2.32
Net Income	7.06	6.15	-13.2	5.56	14.02	14.69
Net Income to Common	7.06	6.15	-13.2	5.56	14.02	14.69
Net Income Growth	13.35%	-	-	-60.35%	-4.52%	24.09%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.72%	0.91%	1.92%	1.34%	1.12%	1.15%
EPS (Basic)	1.13	0.99	-2.14	0.92	2.35	2.49
EPS (Diluted)	1.13	0.99	-2.14	0.91	2.35	2.49
EPS Growth	12.61%	-	-	-61.23%	-5.58%	22.68%
Dividend Per Share	1.120	1.120	1.120	1.120	1.120	1.090
Dividend Growth	-	-	-	-	2.75%	0.93%
Effective Tax Rate	4.58%	3.35%	-	10.95%	14.06%	13.65%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.