First Keystone Corporation
Annual Report 2021

Plain-text annual report

FIRST FIRST KEYSTONE KEYSTONE CORPORATION CORPORATION firstkeystonecorp.fkc.bank firstkeystonecorp.fkc.bank FINANCIAL HIGHLIGHTS (Dollars in thousands, except per share data) 2021 2020 2019 2018 2017 SUMMARY OF OPERATIONS Interest income Interest expense Net interest income Provision for loan losses Net income PER COMMON SHARE DATA Net income Dividends BALANCE SHEET DATA Total assets Total securities Net loans Total deposits Total stockholders’ equity PERFORMANCE RATIOS Return on average assets Return on average equity Dividend payout Average equity to average assets $42,048 $ 39,567 $ 38,527 $ 35,573 $ 32,268 5,148 36,900 860 14,688 $2.49 1.12 6,360 33,207 1,200 11,837 $ 2.03 1.08 10,243 28,284 450 10,227 $ 1.77 1.08 8,620 26,953 200 9,211 $ 1.60 1.08 6,548 25,720 267 8,648 $ 1.52 1.08 $1,320,350 $1,179,047 $1,007,226 $1,012,000 $990,121 439,878 368,357 279,861 317,614 744,161 712,677 640,727 599,647 1,077,969 937,488 148,555 144,242 761,628 128,752 671,553 116,756 1.15% 9.93% 45.05% 11.57% 1.09% 8.61% 53.29% 12.72% 1.02% 8.17% 61.08% 12.42% 0.92% 8.05% 67.26% 11.39% Dollars in thousands 350,218 551,910 778,146 116,719 0.86% 7.54% 71.05% 11.45% LOANS # OF NEW LOANS 2020 2021 1,533 1,288 DEPOSITS 2020 2021 # OF NEW CORE DEPOSITS 3,681 4,354 TOTAL NEW LOANS $210,927 $222,517 TOTAL NEW CORE DEPOSITS $50,497 $176,605 2021 LOAN PORTFOLIO BREAKDOWN 2021 DEPOSIT BREAKDOWN 79% COMMERCIAL MORTGAGES SBA (PPP) 14% 5% 1% 1% 84% HOME EQUITY CONSUMER & OTHER CORE DEPOSITS (CHECKING, SAVINGS & MONEY MARKETS) 16% TIME DEPOSITS (CERTIFICATES OF DEPOSIT) NET INCOME 2020 2021 PERFORMANCE PER SHARE $2.03 $2.49 RETURN ON ASSETS 2020 1.09% 2021 1.15% ANNUAL INCREASE 15.7% 24.1% RETURN ON EQUITY 8.61% 9.93% How we generated $49,371 in income: 66% $32,860 INCOME STATEMENT IN GRAPHIC FORM MAJOR COMPONENTS OF OTHER INCOME S N A O L N O E M O C N I 19% $9,188 S E I T I R U C E S E M O C N I 15% $7,323 E M O C N I R E H T O ATM FEES & DEBIT CARD INCOME $1,849 $2,183 2020 2021 TRUST DEPARTMENT $995 $1,008 GAINS ON SALES OF MORTGAGE LOANS $604 $980 Dollars in thousands How we used our $49,371 in income: 30% 29% $14,688 $14,148 17% $8,531 D A E H R E V O R E H T O S E E Y O L P M E T I F O R P , 7% $3,675 T N E M P I U Q E & S G N D L I U B S R E T U P M O C I 6% $3,144 S R O T I S O P E D O T D A P I 5% $2,321 E S N E P X E E M O C N X A T I 4% $2,004 I G N W O R R O B S T S O C 2% $860 S N O I S I V O R P N A O L R O F S E S S O L Dollars in thousands TO OUR SHAREHOLDERS Making Connections and Corporate Culture As we reflect on 2021, I’m happy to share with you that we held true to our financial objectives of increasing revenue from core operating functions while increasing productivity. I am pleased to report the financial progress we made in 2021. Financial Highlights: For the fiscal year ended December 31, 2021, First Keystone Corporation reported earnings of $14,688,000, as compared to $11,837,000 for 2020, an increase of $2,851,000 or 24.1%. Net income per share increased to $2.49 in 2021 as compared to $2.03 in 2020. Annual dividends per share increased to $1.12 in 2021 as compared to $1.08 in 2020. The increase in net income in 2021 was primarily due to increases in net interest income, mainly due to an increase in interest and fees on loans, increased income on securities and a decline in interest paid on deposits. Interest income for 2021 was $42,048,000, an increase of $2,481,000 or 6.3% as compared to $39,567,000 in 2020. Interest income was higher in 2021 due to a $1,577,000 increase in interest earned on Commercial Real Estate loans and a $934,000 increase in Small Business Administration fees. At December 31, 2021 total loans were $752,841,000, an increase of $32,231,000 or 4.5%. Loan growth was centered in commercial real estate loans. The securities portfolio increased in 2021 to $437,916,000 due to increases in asset-backed securities, taxable and tax-exempt municipals, and corporate securities including purchased subordinated debt. We will continue our emphasis on organic market loan growth in 2022 as a primary driver of net interest income. Decreased interest rates in the latter part of 2020 and into 2021 resulted in lower interest expense for the Corporation in 2021. Total deposits increased by $140,481,000 or 15.0% in 2021 as compared to 2020. Interest bearing deposits increased by $89,940,000 or 12.2%. During 2020, the Federal Reserve decreased the federal-funds rate by 1.5%, resulting in a target range of 0.00% - 0.25% at year-end. The federal-funds rate remained throughout 2021 at the target range of 0.00%-0.25%. The Corporation is actively monitoring and restructuring its portfolios for various scenarios such as a rates-up environment and strategies for continued core deposit growth. Non-interest income, excluding net securities gains, increased by $930,000 or 15.3% for the year ended December 31, 2021, as compared to the same period in 2020. Trust Department income increased $13,000 to a record $1,008,000 due to new account openings and higher fees earned on certain types of accounts due to increased market values. ATM and debit card income increased by $334,000, mainly due to increased transaction volumes. Gains on sales of mortgage loans provided income of $980,000 in 2021 as compared to $604,000 in 2020, an increase of $376,000. Non-interest expense amounted to $26,354,000, an increase of $1,749,000, or 7.1% in 2021. Expenses associated with employees (salaries and employee benefits) continue to be the largest non-interest expenditure. The increase in 2021 was mainly due to increases in employee profit sharing, training and salaries expenses offset by a decrease in healthcare overhead. Income tax expense was $2,321,000 for 2021 as compared to $1,577,000 for 2020, making the effective tax rate 13.6% in 2021 as compared to 11.8% in 2020. The increase in the effective tax rate for 2021 was due to higher overall operating income. To manage our effective tax rate in 2022, the Corporation holds portfolios of tax-exempt bonds and tax-free loans and receives tax credits from investments in low-income housing partnerships. Total assets increased to $1,320,350,000 in 2021 from $1,179,047,000 in 2020. As noted above, total loans increased 4.5% with much of the growth in commercial real estate loans. Stockholders’ Equity at year-end 2021 grew to $148,555,000. Our financial condition remains strong as evidenced by a total risk-based capital ratio of 16.57% and a tier 1 leverage capital ratio of 10.14% at year-end 2021. These key ratios are well above that which federal regulators require for a financial institution to be “well capitalized”. Additional details and related financial information may be found in the Management’s Discussion and Analysis and Financial Statements and notes sections of the 2021 Form 10-K. In addition to our financial progress, we remain committed to connecting with each other and building a culture that benefits our employees, customers, communities, and shareholders. Toward that goal, I am happy to announce that during 2021, our employees donated $13,947 of their own funds toward our Denim Days projects. Employees donated money every Friday and in turn they wore denim to work that day. The Denim Days funds were donated to non-profit agencies including food banks and Salvation Armies throughout our markets. In addition to Denim Days, we provided support for school children in each of our market areas through our “CONNECT for Wellness” initiative. Our employees collected, donated, and distributed hygiene products to ten non-profit agencies in our markets focused on supporting children of all ages. Our donations were certainly welcomed and appreciated by the agencies and the kids. We are proud to announce several of our employees were recognized by PA Bankers Association and awarded the Future Under 40 Award for being future leaders in our industry. Please see our back cover for an introduction to these very talented individuals! As we look forward in 2022, it is with mixed emotions that on February 15, 2022, we announced the retirement of Mr. Robert E. Bull as a Director of First Keystone Community Bank and First Keystone Corporation, effective April 1, 2022. Mr. Bull has served on the Bank’s Board of Directors for 66 years and as Chairman of the Board for 36 years. He is and will always be immensely respected by not only his fellow Board members, but anyone affiliated with FKCB in any capacity as employee, customer, or shareholder. While we are saddened to see him leave the Board, we are happy for him and send our wishes for the best of health and happiness in his retirement. Mr. Bull has been elected Director Emeritus. In connection with the vacancies on both Boards created by Mr. Bull’s retirement, the Directors have voted to elect Whitney B. Holloway as a Director of the Corporation and the Bank, filling Mr. Bull’s unexpired term. She will serve as a director until the 2022 annual meeting of the shareholders, at which time her name will be on the ballot for re-election. For more information, please see the 8-K filed February 15, 2022, which can be found in the Investor Relations section of our website. As always, we thank and recognize all our employees, officers, and board members for their continued outstanding efforts. We also sincerely thank you for your unwavering support and confidence. Elaine A. Woodland President and Chief Executive Officer PERSONAL RETIREMENT STATEMENT BY ROBERT E. BULL, CHAIRMAN EMERITUS AND DIRECTOR EMERITUS “Time goes quickly when life is going good.” I am sure all of you have heard that saying. I am a witness to its truth. Life has been good to me. One day in 1956, as a young lawyer, I was in the Bank known at that time as the First National Bank of Berwick, PA. George Garrison, known to all in and out of the Bank as “Uncle George”, was in his office on the first floor. He always stated that he wanted to personally see the action on the floor and all of the people. He saw me, came out, and asked me to stop in his office. And so I did. He was very friendly, asked me a few questions, and then said bluntly to me, “Do you want to be a Director of the Bank?” It was an offer I could not refuse. I was honored and overjoyed to say “Yes” immediately. He went on to explain a few things about the work of a Bank Director and said that I needed to own 100 shares of stock in the Bank to qualify. I had 25 shares but lacked the other 75. I think I probably whistled to myself every merry tune I knew on my way back to my office. I took an early lunch and went home to talk to my father about the offer. I told him I needed 100 shares of stock to become a Director of the First National Bank, but I only had 25 shares. He didn’t hesitate for even a second before he said, “Son, you have them.” He owned some stock in the Bank and was willing to transfer to me the 75 shares I needed. That afternoon he immediately went to the Bank and transferred 75 shares of his to me. I called George on the telephone and told him that I had the 100 shares. He told me that he would take care of the matter at the next board meeting. And so that young man in 1956 became a Director of your Bank. From October 16, 1956 to April 1, 2022, I served on the Board of Directors of your Bank. It’s hard for me to believe that sixty-six years have passed since that conversation with George Garrison. For thirty-six of those years, from February 17, 1981 to May 5, 2017, I served as Chairman of the Board of the Bank and from July 5, 1983 to May 5, 2017, as Chairman of the Board of the Corporation. Since my involvement, the Bank has grown from several million dollars in assets to a business with assets over a billion dollars. My wife Sara and I watched the change from all records being hand-written in large ledgers to the use of typewriters for recordkeeping to the current electronic age of technology. We saw the beginning of growth as the first branch was added in Nescopeck to the current eighteen full-service branches and one Loan Production Office. Today First Keystone is the largest local community bank in Columbia, Montour, and lower Luzerne Counties, yet still maintains its high standard of person-to-person service. In the early days the Bank served as a place to deposit or withdraw money and occasionally to acquire a loan for a home or business. All of it was conducted inside the building on West Front Street. Today you can do a majority of your financial business without ever entering the Bank. You can do almost anything electronically, by telephone or computer and do it from anywhere in the world. We pride ourselves in that: you can do your banking through technology from anywhere in the world or you can do your banking with a live person in one of the branches. Sometimes when I sit down and think of these past sixty-six years, it makes my head spin. Things are moving so fast – some for the good and some for the not-so-good. This is the job for your Board of Directors – to get in the right boat. So far, it has been good for all of us as stockholders and customers. Your Board looks forward to the challenge of these changes and working together to get the right mix of new and old. I personally want to thank all of the members of the Board serving now and all of those Directors who have served so nobly in the past. I thank all of you as stockholders and friends for your faith and support. Your investment in the Bank and its endeavors have helped to improve the life in our community and nearby area. Your Bank began on September 21, 1864, and has made a profound impression on the community and surrounding area for 158 years. Your Bank has always been ready to serve as a proud leader in all community undertakings. Your Bank building at 111 West Front Street in Berwick stands as a beacon of light in this community and has grown over the years to occupy a large portion of the block. It shines at night displaying its name for all to see. At Christmas it proudly displays “Merry Christmas” for everyone in Berwick to see or who visit Berwick to enjoy the Christmas Boulevard. I am bowing out after these 66 years and believe the future will continue to be as great as the past has been with all of your help. I hope you will continue to cooperate with the Board and its employees so that its service will continue to be a highlight of banking and financial services in the future. I believe this will happen and continue for generations to come. As I do so, I think of the great General Douglas MacArthur who was a strong leader in the re-taking of the islands in the Pacific from the Japanese during World War II. I personally was part of the landing forces of amphibious boats which carried men and equipment to the shores of these islands. Among the islands General MacArthur considered his home-away- from-home was one of the principal targets to re-take. You may recall his statement when he was forced to leave Corregidor: “I shall return.” He did indeed return with his corncob pipe in his mouth. He was a truly great American and master builder of the surrender of the Japanese and subsequent securing of the peace. Unfortunately, in my opinion, he was thought to be a threat to the Washington politicians, and they forced him to return to the United States. He then made his decision to retire and at a Joint Session of Congress disclosed to the world his decision to retire. His words can never be forgotten: “Old soldiers never die. They just fade away.” AND SO I SAY TO YOU: “OLD BANKERS NEVER DIE. THEY JUST FADE AWAY WITH THEIR MEMORIES.” GOD BLESS ALL OF YOU AND THE BANK. FIRST KEYSTONE CORPORATION BOARD OF DIRECTORS ROBERT A. BULL Chairman Attorney - Bull & Bull LLP JOHN E. ARNDT Vice Chairman Owner - Arndt Insurance Agency DAVID R. SARACINO Secretary Retired Vice President & CFO First Keystone Community Bank D. MATTHEW BOWER President - Don E. Bower, Inc. ROBERT E. BULL Retired Attorney - Bull & Bull LLP MICHAEL L. JEZEWSKI President/Owner - Delta Electrical Systems, Inc. NANCY J. MARR President Emerita - Marr Development Inc. WILLIAM E. RINEHART President/Owner - Gray Chrysler Dodge Jeep Ram and Gray Chevrolet ELAINE A. WOODLAND President & Chief Executive Officer of First Keystone Community Bank JEROME F. FABIAN Director Emeritus Retired Owner/President Tile Distributors of America, Inc. JOHN G. GERLACH Director Emeritus Retired President First Keystone Community Bank, Pocono Division DR. JOSEPH B. CONAHAN, JR. Director Emeritus Ophthalmologist ROBERT A. BULL Chairman OFFICERS ELAINE A. WOODLAND President & Chief Executive Officer JOHN E. ARNDT Vice Chairman DIANE C.A. ROSLER Chief Financial Officer/Treasurer DAVID R. SARACINO Secretary CHERYL L. WYNINGS Assistant Secretary FIRST KEYSTONE COMMUNITY BANK OFFICERS* ROBERT A. BULL Chairman of the Board JOHN E. ARNDT Vice Chairman DAVID R. SARACINO Secretary ELAINE A. WOODLAND President Chief Executive Officer EXECUTIVE OFFICERS JONATHAN LITTLEWOOD Senior Vice President Chief Lending Officer DIANE C.A. ROSLER Senior Vice President Chief Financial Officer & Cashier MARK J. MCDONALD Senior Vice President Chief Credit Officer CHRISTOPHER ZLOBIK Senior Vice President Deposit Operations Manager VICE PRESIDENT JODI L. ALLEY Loan Operations Manager STACIA L. ARNAUD Commercial Services Officer ANTHONY P. CARTIGLIA Commercial Services Officer JUNE GEORGE Branch Administrator EDGAR A. GOWER, JR. Commercial Services Officer BRENDA L. GRASLEY Consumer Loan Manager TINA M. GRAY Regional Branch Administrator LEE A. HESS Loan Review Officer & Security Officer ASSISTANT VICE PRESIDENT TIFFANY L. BIENKOWSKI Commercial Services Officer BRANDON BROWN Commercial Services Officer SANDRA L. COLE Community Office Manager JOHN A. DOUGHERTY Community Office Manager LAUREN E. DUANE Business Deposit Specialist KIMBERLY A. HELLER Human Resource Manager AMANDA D. JARSKI Assistant Compliance Officer ASSISTANT CASHIER/OFFICER KAYLA ACORNLEY Fraud Manager/BSA Officer MEGAN R. BOONE Electronic Processing Coordinator SHANE A. DAVIS Accountant I & Systems Administrator NICOLE DIETTERICK Keystone Banker III LEVI E. DILTZ Systems Administrator LYDIA FATULA Credit Intake/Doc Prep Specialist LAUREL FIDRICK Process Administrator MELANIE A. FISHER Credit Analyst I YOLANDA FRANCIS Training Specialist OFFICERS JASON P. HOLLOWAY Commercial Services Officer REBECCA A. HOOPER Senior Trust Officer DONNA J. KEEFER Training/Systems Support Manager BRIAN M. KLINEFELTER Credit Department Manager KEVIN M. KRIEGER Compliance Officer & CRA Officer MARISOL LOPEZ Regional Branch Administrator SARAH MANEVAL Commercial Services Officer THOMAS J. MCGRATH Commercial Services Officer KATHLEEN M. JARSKI Community Office Manager RACHEL JENNINGS Post-Closing Document Specialist STEVEN M. KOTCH Loan Workout Officer MARTIN B. LEANDRI Financial Consultant/Trust Officer KRISTI A. MCCLINTOCK Commercial Loan Document Specialist LAURIE J. NUDO Regional Branch Administrator MARY E. PASCUCCI HR and Training Specialist STACY L. GORDNER Accounting Reporting Analyst HERBERT H. HARMON, JR. Senior Facilities Manager KAREN HENRICKSON Electronic/Deposit Processing Clerk LILIANA HENRICKSON Community Office Manager JUSTINE KISHBAUGH Loan Operations Specialist MICHELLE E. KOZAK Marketing Manager CINDY LAIDACKER Interim HR Manager ANGELA A. MACKERT Community Office Manager CHRISTOPHER MATTHEWS Commercial Services Officer THOMAS POPKO Commercial Services Officer MICHAEL REIS Commercial Services Officer MICHAEL C. SANTIAGO Commercial Services Officer FRANCES I. SEWARD Regional Branch Administrator NATALIE J. STACKHOUSE Accounting Manager LEIGHTON B. WALSH Mortgage Services Manager DAVID J. WARHO CISO/IT Manager KIMBERLY S. SHINER Community Office Manager SHERRI A. SITLER Deposit Review Officer CURTIS SNOWDEN Commercial Services Officer CINDY L. THORNE Trust Officer KATHY WEISS Business Deposit Specialist CHERYL L. WYNINGS Executive Administrative Assistant/ Assistant Secretary KATHRYN MCNEAL Mortgage Loan Underwriter/Processor ASHLEY M. MILLOWAY Mortgage Loan Consultant KIM R. MURREN Community Office Manager BONNIE NEVEL Deposit Processing Supervisor SUSAN PATTERSON Loan Operations Specialist TERRI L. ROMANOWSKI Assistant Community Office Manager TINA L. ROTH IRA/HSA Specialist JESSICA THORNE Accountant I *Officers as of December 31, 2021 CORPORATE INFORMATION THE CORPORATION DIVIDEND REINVESTMENT First Keystone Corporation is a bank holding company incorporated under the Pennsylvania Business Corporation Laws. Its assets consist primarily of the assets of its wholly-owned subsidiary, First Keystone Community Bank. First Keystone Community Bank serves Columbia, Montour, Luzerne, Monroe, Northampton and Lehigh Counties. The Bank engages in general banking business and also provides fiduciary services. CORPORATE HEADQUARTERS First Keystone Corporation 111 West Front Street Berwick, PA 18603 Telephone: 570-752-3671 Fax: 570-752-4022 NOTICE OF ANNUAL MEETING The 2022 Annual Meeting of Shareholders will be held at 10:00 a.m., Eastern Daylight Time, on Thursday, May 5, 2022 by virtual meeting by visiting: www.fkyscorp.com/annualmeeting ANNUAL REPORT ON FORM 10-K The Annual Report on Form 10-K as filed with the Securities and Exchange Commission may be obtained, without charge, by contacting: Cheryl Wynings Investor Relations P.O. Box 289 Berwick, PA 18603 Telephone: 1-888-759-2266, extension 1175 Locally: 570-752-3671, extension 1175 TRANSFER AGENT AND REGISTRAR To change or transfer registration of your stock, report a lost certificate, or other related inquiries, please contact our transfer agent at: American Stock Transfer & Trust Company 6201 15th Avenue Brooklyn, NY 11219 1-800-937-5449 www.astfinancial.com DIRECT DEPOSIT Shareholders may have their cash dividends deposited directly into the account of their choice at any banking institution, with no charge. Additional information and enrollment materials for direct deposit can be obtained by calling 1-800-937-5449. The Plan, open to residents of Pennsylvania, provides the opportunity to have dividends automatically reinvested into First Keystone Corporation stock. Participants in the Plan may also elect to make cash contributions to purchase additional shares of common stock. For information regarding the Plan, contact the Plan Administrator at: AST Plan Administration Department Wall Street Station P.O.Box 922 New York, NY 10269-0560 1-800-937-5449 help@astfinancial.com INVESTOR INFORMATION Information regarding First Keystone Corporation is available online at firstkeystonecorp.fkc.bank. The website also includes additional information of interest to shareholders such as: historical stock prices, dividend declarations, press releases and governance documents. Requests for information or assistance regarding the corporation should be directed to Shareholder Relations at 1-888-759-2266, extension 1175 Locally: 570-752-3671, extension 1175 STOCK LISTING First Keystone Corporation common stock is traded on OTC Pink under the symbol “FKYS”. STOCK PURCHASE INQUIRIES The following brokerage firms make a market in First Keystone Corporation common stock: RBC Dain Rauscher, 800-223-4207 Janney Montgomery Scott LLC, 800-526-6397 Stifel Nicholaus & Co. Inc., 800-679-5446 Boenning & Scattergood, Inc., 800-883-1212 INDEPENDENT PUBLIC ACCOUNTANTS Baker Tilly US, LLP 99 Wood Avenue South, Suite 801 Iselin, NJ 08830-2734 Telephone: 848-467-3909 OFFICE LOCATIONS HANOVER TOWNSHIP OFFICE 1540 Sans Souci Highway Hanover Township, PA 18706 570-825-7352 BRODHEADSVILLE OFFICE 2022 Route 209 Brodheadsville, PA 18322 570-402-2008 MAIN OFFICE 111 West Front Street Berwick, PA 18603 570-752-3671 NESCOPECK OFFICE 437 West Third Street Nescopeck, PA 18635 570-759-2767 SALEM TOWNSHIP OFFICE 400 Fowler Avenue Berwick, PA 18603 570-759-2628 FREAS AVENUE OFFICE 701 Freas Avenue Berwick, PA 18603 570-752-1244 DANVILLE OFFICE 1049 Bloom Road Danville, PA 17821 570-275-8000 BRIAR CREEK OFFICE 50 Briar Creek Plaza Berwick, PA 18603 570-802-0541 KINGSTON OFFICE 299 Wyoming Avenue Kingston, PA 18704 570-718-1110 SCOTT TOWNSHIP OFFICE 2301 Columbia Boulevard Bloomsburg, PA 17815 570-784-0354 STROUDSBURG OFFICE 559 Main Street Stroudsburg, PA 18360 570-424-9700 MIFFLINVILLE OFFICE 133 West Third Street Mifflinville, PA 18631 570-752-5750 MOUNTAINHOME OFFICE 1154 Route 390 Cresco, PA 18326 570-595-9700 888-759-2266 | www.fkc.bank SWIFTWATER OFFICE 2070 Route 611 Swiftwater, PA 18370 570-839-7880 MOUNTAIN TOP OFFICE 18 North Mountain Boulevard Mountain Top, PA 18707 570-715-0720 PLYMOUTH OFFICE 463 West Main Street Plymouth, PA 18651 570-719-1400 DALLAS OFFICE 2325 Memorial Highway Dallas, PA 18612 570-674-1030 SHICKSHINNY OFFICE 107 South Main Street Shickshinny, PA 18655 570-542-6060 LOAN PROCESSING OFFICE 559 Main Street, Suite 114 Bethlehem, PA 18018 610-419-1412 FIRST KEYSTONE CORPORATION firstkeystonecorp.fkc.bank 

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