First Keystone Financial, Inc. operates as the holding company for First Keystone Bank, a federally chartered stock savings association, which provides financial services primarily in the state of Pennsylvania. The bank attracts deposits from public and using those funds together with other available sources of funds, primarily borrowings, and to originate loans. It offers various deposits products, including NOW accounts, noninterest-bearing personal and business checking accounts, money market deposit accounts, certificates of deposit, individual retirement account certificates, passbook accounts, and Keogh accounts. The bank's loan product portfolio comprises real estate loans, including residential, commercial and multifamily, construction loans, and home equity and lines of credit; and consumer loans, including credit card, deposit, unsecured personal loans, and other consumer loans. It also offers commercial loans, including limited number of commercial lines of credit secured by equipment and securities, working capital financings secured by accounts receivable and inventory, and limited unsecured lines of credit. In addition, the bank invests in mortgage-related securities, including U.S. government agencies and government sponsored or private enterprises bonds, and U.S. treasury and federal government agency obligations; municipal obligations; corporate bonds; mutual funds; asset-backed securities; and other equity investments. As of September 30, 2005, the bank conducted business from its office located in Media, Pennsylvania, as well as through six full-service offices located in Delaware and Chester Counties, Pennsylvania. First Keystone Financial was founded in 1994 and is headquartered in Media, Pennsylvania.
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