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Kentucky First Federal Bancorp (KFFB)

Kentucky First Federal Bancorp (KFFB)

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Cash Flow Overview

Change in Cash
-$2,995K
Free Cash flow
$1,111K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from federal home loan ...
    • Proceeds from loans held for sal...
    • Loans originated for investment,...
    • Others
Negative Cash Flow Breakdown
    • Repayments on federal home loan ...
    • Net increase in deposits
    • Origination of loans held for sa...
    • Others
Cash Flow
2026-06-30
2025-06-30
Net income
1,909
181
Depreciation
203
201
Accretion of purchased loan discount
-
33
Amortization of discounts and premiums on investment securities, net
48
20
Amortization of deferred loan origination fees
139
34
Net gain on sale of loans
309
201
Net (gain) loss on real estate owned
-
-3
Earnings on bank-owned life insurance
88
86
Provision for credit losses
237
39
Origination of loans held for sale
13,981
7,595
Proceeds from loans held for sale
13,982
7,029
Deferred income tax
2
-150
Accrued income tax
33
63
Accrued interest receivable
210
269
Prepaid expenses and other assets
360
-43
Accrued interest payable
-283
773
Accounts payable and other liabilities
299
-30
Net cash provided (used) by operating activities
1,247
-86
Purchase of investments available for sale
3,925
2,987
Purchase of fhlb stock
747
342
Held to maturity
35
39
Available for sale
2,847
3,155
Proceeds from redemption of fhlb stock
835
592
Loans originated for investment, net of principal collected
-7,643
-5,808
Proceeds from sale of real estate owned
-
7
Additions to premises and equipment, net
136
149
Net cash provided by investing activities
6,552
6,123
Net increase in deposits
-16,731
21,424
Payments by borrowers for taxes and insurance, net
105
-40
Proceeds from federal home loan bank advances
42,162
15,121
Repayments on federal home loan bank advances
36,330
41,349
Net cash used in financing activities
-10,794
-4,844
Net increase (decrease) in cash and cash equivalents
-2,995
1,193
Beginning cash and cash equivalents
19,480
18,287
Ending cash and cash equivalents
16,485
19,480
Unit: Thousand (K) dollars (except for numbers of shares and EPS).

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

KFFB Cash Flow Sankey DiagramSankey diagram visualizing KFFB cash flow for the periodLoans originated forinvestment, net of principal...-$7,643K (-31.59%↓ Y/Y)Proceeds from loans heldfor sale$13,982K (98.92%↑ Y/Y)Available for sale$2,847K (-9.76%↓ Y/Y)Proceeds from redemptionof fhlb stock$835K (41.05%↑ Y/Y)Held to maturity$35K (-10.26%↓ Y/Y)Net income$1,909K (954.70%↑ Y/Y)Accounts payable andother liabilities$299K (1096.67%↑ Y/Y)Provision for creditlosses$237K (507.69%↑ Y/Y)Depreciation$203K (1.00%↑ Y/Y)Accrued income tax$33K (-47.62%↓ Y/Y)Deferred income tax$2K (101.33%↑ Y/Y)Net cash provided byinvesting activities$6,552K (7.01%↑ Y/Y)Net cash provided(used) by operating...$1,247K (1550.00%↑ Y/Y)Canceled cashflow$4,808K Canceled cashflow$15,418K Net increase(decrease) in cash and cash...-$2,995K (-351.05%↓ Y/Y)Canceled cashflow$7,799K Proceeds from federalhome loan bank...$42,162K (178.83%↑ Y/Y)Payments by borrowers fortaxes and insurance,...$105K (362.50%↑ Y/Y)Purchase of investmentsavailable for sale$3,925K (31.40%↑ Y/Y)Purchase of fhlb stock$747K (118.42%↑ Y/Y)Additions to premises andequipment, net$136K (-8.72%↓ Y/Y)Origination of loans held forsale$13,981K (84.08%↑ Y/Y)Prepaid expenses andother assets$360K (937.21%↑ Y/Y)Net gain on sale ofloans$309K (53.73%↑ Y/Y)Accrued interestpayable-$283K (-136.61%↓ Y/Y)Accrued interestreceivable$210K (-21.93%↓ Y/Y)Amortization of deferred loanorigination fees$139K (308.82%↑ Y/Y)Earnings on bank-ownedlife insurance$88K (2.33%↑ Y/Y)Amortization of discounts andpremiums on investment...$48K (140.00%↑ Y/Y)Net cash used infinancing activities-$10,794K (-122.83%↓ Y/Y)Canceled cashflow$42,267K Repayments on federal homeloan bank advances$36,330K (-12.14%↓ Y/Y)Net increase indeposits-$16,731K (-178.09%↓ Y/Y)