| Cash Flow | 2025-09-30 |
|---|---|
| Net income (loss) | 344 |
| Depreciation | 48 |
| Amortization of deferred loan origination fees | 27 |
| Amortization of premiums on investment securities | 10 |
| Net gain on sale of loans | 65 |
| Earnings on bank-owned life insurance | 22 |
| Origination of loans held for sale | 2,002 |
| Proceeds from loans held for sale | 2,639 |
| Deferred income taxes | 8 |
| Accrued income taxes | -49 |
| Accrued interest receivable | -3 |
| Prepaid expenses and other assets | 109 |
| Accrued interest payable | -553 |
| Other liabilities | 245 |
| Net cash provided by (used in) operating activities | 450 |
| Purchase of investments-afs | 2,405 |
| Held to maturity | 9 |
| Available for sale | 535 |
| Proceeds from redemption of fhlb stock | 617 |
| Purchase of fhlb stock | 78 |
| Loans originated for investment, net of principal collected | -825 |
| Additions to premises and equipment, net | 5 |
| Net cash provided by (used in) investing activities | -502 |
| Net decrease in deposits | -6,148 |
| Payments by borrowers for taxes and insurance, net | 321 |
| Proceeds from federal home loan bank advances | 10,730 |
| Repayments on federal home loan bank advances | 9,706 |
| Net cash provided by (used in) financing activities | -4,803 |
| Net decrease in cash and cash equivalents | -4,855 |
| Cash and cash equivalents at beginning of period | 19,480 |
| Cash and cash equivalents at end of period | 14,625 |
Kentucky First Federal Bancorp (KFFB)
Kentucky First Federal Bancorp (KFFB)