First Keystone Q1 net income $1.053M ($0.17 EPS), up from loss; dividends $0.28/share

FIRST KEYSTONE CORP

2025-Q1 EPS reported $0.17

Net income of $1.053M ($0.17/share) vs $18.377M loss in Q1 2024; improvement due to absence of $19.133M goodwill impairment.
Interest income +7.5% YoY on rate growth and commercial real estate loans; provision for credit losses +$487K on growth and two charge-offs.
Non-interest expense fell to $8.649M from $28.982M (2024 incl. goodwill impairment); offset by $307K fraud write-off and higher FDIC/fleet costs.
Dividends of $0.28/share exceeded EPS; total assets $1.435B (+1.8%); net loans +6.0% YoY; deposits +6.5% led by brokered CDs.
Stockholders' equity +2.7% to $105.1M; AOCI improved $2.679M; retail deposits declined $20.7M.

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