| Cash Flow | 2025-06-30 |
|---|---|
| Deferred income tax | -150 |
| Net income (loss) | 181 |
| Depreciation | 201 |
| Accretion of purchased loan discount | -33 |
| Amortization of discounts and premiums on investment securities, net | -20 |
| Amortization of deferred loan origination fees | -34 |
| Net gain on sale of loans | -201 |
| Net (gain) loss on real estate owned | 3 |
| Earnings on bank-owned life insurance | -86 |
| Provision for credit losses | 39 |
| Origination of loans held for sale | -7,595 |
| Proceeds from loans held for sale | 7,029 |
| Accrued income tax | 63 |
| Accrued interest receivable | -269 |
| Prepaid expenses and other assets | 43 |
| Accrued interest payable | 773 |
| Accounts payable and other liabilities | -30 |
| Net cash used in operating activities | -86 |
| Purchase of investments available for sale | -2,987 |
| Purchase of fhlb stock | -342 |
| Held to maturity | 39 |
| Available for sale | 3,155 |
| Proceeds from redemption of fhlb stock | 592 |
| Loans originated for investment, net of principal collected | 5,808 |
| Proceeds from sale of real estate owned | 7 |
| Additions to premises and equipment, net | -149 |
| Net cash provided (used) by investing activities | 6,123 |
| Net increase in deposits | 21,424 |
| Payments by borrowers for taxes and insurance, net | -40 |
| Proceeds from federal home loan bank advances | 15,121 |
| Repayments on federal home loan bank advances | -41,349 |
| Net cash provided (used) by financing activities | -4,844 |
| Net increase in cash and cash equivalents | 1,193 |
| Cash and cash equivalents at beginning of period | 18,287 |
| Cash and cash equivalents at end of period | 19,480 |
Kentucky First Federal Bancorp (KFFB)
Kentucky First Federal Bancorp (KFFB)