First Keystone Corp. · OTC:FKYS

First Keystone — Shareholder Meeting (May 2010)

21 slides from First Keystone's shareholder meeting presentation, May 7, 2010

1. Slide 1: Annual Shareholder Meeting

   Annual Shareholder Meeting May 4, Z2UTU

2. Slide 2: Total Assets 2005-2009

3. Slide 3: Total Deposits (in Millions)

   JOC MOSS ae | il Sale (in Minions) 2005- $363 400. 2006=$384 ] te 2007 - $493 J (a 2008 - $505 2009 -$581 “T | = Cs 5 - a SOs Sse, ‘ 081 Deposing © 2000 Cn Miticns;

4. Slide 4: Yearly figures 2005-2009

   2005 - $53.4 ge 2006 - $53.4 ao 2007 - $70.9 2008 - $69.1 2009 - $74.2

5. Slide 5: Net Income

   INGAAS income s) qi NAW 2005-$16.6 2006 - $15.3 2007 - $15.5 2008 - $21.4 2009 -$24.2

6. Slide 6: Deposits and Loans (in Millions)

   Vise LOGNS (in Mittions) Deposits Loans $235 $252 $377 $408 $407

7. Slide 7: Revenues: Interest and Non-Interest Income

   AMRAC A wO HPesirion OT REVENUS ni Millions) Interest Non-Iinte Income Incon 2005 $16.6 2006 $15.3 $3.8 '2007 $15.5 $21.4 HY 2009 $24.2 $

8. Slide 8: Yearly figures 2005-2008

   2005.- $6,847 2006-$6,190 | 2007 - $6,127 = "2008 - $7 51

9. Slide 9: Earnings Per Share

10. Slide 10: Dividends per Share

    snare ¥ 2005 - $0,78 2006 - $0.85 <i Wa 2007-$0.88 & 2008 - $0.89 B 02h} I 2009 -'$0.92

11. Slide 11: Yearly figures 2005-2009

    2005.- $9,583 a 2006 - $9,515 ; Rw 2007 - $10,645 2008 - $13,923 Jeroen . 2009-$16,444 = |

12. Slide 12: Annual Shareholder Meeting

    Annual Shareholder Meeting May 4, 2010

13. Slide 13: First Keystone Corporation Income Statement

    First Keystone Corporation Net Interest Income +Non-Interest Income =Operating Revenue -Loan Loss provision -Non-Interest Expense =Pre-Tax Expense -Income Tax Expense =Net income Earnings Per Share

14. Slide 14: First Keystone Corporation Balance Sheet

    First Keystone Corporation Cash and Due from Banks $34,368 $14.919 130.4 Investment Securities 292,989 235,173 24.6 Loans-net 399,541 405,933 (1.6) Fixed Assets 11,844 9,726 218 Other Assets 45,749, 50,889, (10.11) Total Assets $789,491 $716,640 10.2 jabilities and Capitals Non-interest Bearing Depo

15. Slide 15: Quarterly Net Interest Income and Net Income

    12/31/06 03/31/07 06/30/07 09/30/07 12/31/07 03/31/08 06/30/08 09/30/08 12/31/08 03/31/09 06/30/09 09/30/09 12/31/09 03/31/10 Net Interest Income) $3,339 $3,321 $3,375 $3,361 $4,057 $4,498 $4,721 $5,092 $5,211 $5,328 $5,456 $5,355 $5,842 $5,964 NetIncome, $1,662 $1,434 $1,384 $1,541 $1,768 $1,722 $1

16. Slide 16: First Keystone Corporation

    First Keystone Corporation

17. Slide 17: Annual Shareholder Meeting

    Annual Shareholder Meeting May 4, 2010

18. Slide 18: Actual vs Estimate: Assessments, Prepaid

    ‘Aétuol + Estimate Assessments, Prepaid $45,576 $205,989 $1,183,787 $820,584 $1,068,089 $986,243 . pecessmmests We $1,121,493 $1,035,

19. Slide 19: Berwick Market

    First Keystone Corporation Berwick Market Institution Name First Keysone National Bank PNC Bank National Assn Manufacturers & Traders Tr Co First Columbia Bank & Trust Co FNB Bank National Assn Outside of Market Number of Offices Deposits $259,043 $84,139,256 $45,411,671 $415,611 $279,677 Inside of

20. Slide 20: Marketshare for FKNB Footprint

    First Keystone Corporation Marketshare for FKNB Footprint June 30, 2009 FDIC Report Pennsylvania Outside of Market Inside of Market Columbia, Luzerne, Monroe, No. of No. of Montour Counties Deposits Offices. Deposits Offices Market Share PNC Bank National Assn $02,357,827 1,120 $1,813,569 37 Wachovi

21. Slide 21: Annual Shareholder Meeting

    Annual Shareholder Meeting May 4, 2010

First Keystone — Shareholder Meeting (May 2010) on 6ix