---
schema_version: "secwatch.filing_event.v1"
accession: "0000737875-22-000044"
form_type: "8-K"
ticker: "FKYS"
cik: "0000737875"
company_name: "FIRST KEYSTONE CORP"
filed_at: "2022-10-28T23:59:59+00:00"
generated_at: "2026-06-22T23:01:36.146571+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Keystone net income down 5.5% to $10.9M; EPS $1.82 for first nine months 2022

## Summary
- Net income for first nine months 2022: $10.9M, or $1.82 per share; down 5.5% vs 2021.
- Total interest income rose 7.6% ($2.4M) on higher rates and commercial loan growth; PPP fee decline partially offset.
- Non-interest income fell 19.1% ($1.0M) due to lower mortgage sales and $181K net securities losses.
- Stockholders' equity decreased 21.9% ($32.4M) due to AOCI losses from securities market value declines.
- Deposits declined 7.6% ($87.2M); net loans grew 11.8% ($88.0M).

## SEC filing metadata
- accession: 0000737875-22-000044
- form_type: 8-K
- ticker: FKYS
- cik: 0000737875
- company_name: FIRST KEYSTONE CORP
- filed_at: 2022-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/737875/000073787522000044/0000737875-22-000044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/737875/000073787522000044/fkys-20221028x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737875-22-000044
- JSON: https://secwatch.observer/filing/0000737875-22-000044.json
- Plain text: https://secwatch.observer/filing/0000737875-22-000044.txt

## Key facts
- Earnings Releases
  FIRST KEYSTONE CORP reported nine months ended September 30, 2022 results: net income $10,869,000, EPS $1.82.
  - Period: nine months ended September 30, 2022
  - Net income: $10,869,000
  - EPS: $1.82
  - Result: reported results
  source text: First Keystone Corporation (OTC Pink: FKYS, the “Corporation”), parent company of First Keystone Community Bank, reported net income for the nine months ended September 30, 2022 of $10,869,000. Net income per share was $1.82 while dividends totaled $0.84 per share for the nine months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/737875/000073787522000044/0000737875-22-000044-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.