For the quarter ending 2025-12-31, KFFB had $5,047K increase in cash & cash equivalents over the period. -$367K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income (loss) | 304 | 344 | 181 |
| Depreciation | 48 | 48 | 201 |
| Accretion of purchased loan discount | - | - | 33 |
| Amortization of deferred loan origination fees, net | 72 | 27 | 34 |
| Amortization of premiums on investment securities | 13 | 10 | 20 |
| Net gain on sale of loans | 101 | 65 | 201 |
| Net (gain) loss on real estate owned | - | - | -3 |
| Earnings on bank-owned life insurance | 22 | 22 | 86 |
| Provision for credit losses | 10 | - | 39 |
| Origination of loans held for sale | 3,834 | 2,002 | 7,595 |
| Proceeds from loans held for sale | 3,617 | 2,639 | 7,029 |
| Deferred income taxes | 55 | 8 | -150 |
| Accrued income tax | -113 | -49 | 63 |
| Accrued interest receivable | 34 | -3 | 269 |
| Prepaid expenses and other assets | 57 | 109 | -43 |
| Accrued interest payable | 114 | -553 | 773 |
| Accounts payable and other liabilities | - | - | -30 |
| Other liabilities | -205 | 245 | - |
| Net cash provided by operating activities | -303 | 450 | -86 |
| Purchase of investments-afs | - | 2,405 | - |
| Purchase of securities available for sale | 2,405 | - | 2,987 |
| Held to maturity | 8 | 9 | 39 |
| Available for sale | 579 | 535 | 3,155 |
| Proceeds from redemption of fhlb stock | 0 | 617 | 592 |
| Purchase of fhlb stock | 364 | 78 | 342 |
| Loans originated for investment, net of principal collected | 3,317 | -825 | -5,808 |
| Proceeds from sale of real estate owned | - | - | 7 |
| Additions to premises and equipment, net | 64 | 5 | 149 |
| Net cash provided by (used in) investing activities | -3,158 | -502 | 6,123 |
| Net change in deposits | 1,779 | -6,148 | 21,424 |
| Payments by borrowers for taxes and insurance, net | -935 | 321 | -40 |
| Proceeds from federal home loan bank advances | 16,372 | 10,730 | 15,121 |
| Repayments on federal home loan bank advances | 8,708 | 9,706 | 41,349 |
| Net cash provided by (used in) financing activities | 8,508 | -4,803 | -4,844 |
| Net increase in cash and cash equivalents | 5,047 | -4,855 | 1,193 |
| Cash and cash equivalents at beginning of period | 14,625 | 19,480 | 18,287 |
| Cash and cash equivalents at end of period | 19,672 | 14,625 | 19,480 |
Kentucky First Federal Bancorp (KFFB)
Kentucky First Federal Bancorp (KFFB)