Financial insights of KFFB

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	4,957	4,884	4,695	4,436*
Mortgage-backed securities	99	107	98	75*
Interest-bearing deposits and other	201	185	259	299*
Total interest income	5,257	5,176	5,052	4,810*
Interest-bearing demand deposits	33	25	30	-
Savings	50	49	49	-
Certificates of deposit	1,810	1,943	1,990	-
Deposits	1,893	2,017	2,069	2,037*
Borrowings	497	503	479	688*
Total interest expense	2,390	2,520	2,548	2,724*
Net interest income	2,867	2,656	2,504	2,086*
Provision for credit losses	41	10	-	10*
Net interest income after provision for credit losses	2,826	2,646	2,504	2,076*
Earnings on bank-owned life insurance	29	22	22	22*
Net gain on sales of loans	63	101	65	50*
Other	47	55	66	53*
Total non-interest income	139	178	153	125*
Employee compensation and benefits	1,298	1,311	1,204	1,213*
Data processing	244	225	226	169*
Occupancy and equipment	152	134	136	138*
Fdic insurance premiums	69	79	61	63*
Voice and data communications	26	33	33	34*
Advertising	24	56	43	47*
Outside service fees	117	234	160	128*
Auditing and accounting	95	96	95	89*
Regulatory assessments	7	23	23	24*
Foreclosure and real estate owned expenses, net	23	19	26	22*
Franchise and other taxes	32	40	31	33*
Legal fees	13	124	-	-
Other	110	49	166	184*
Total non-interest expense	2,210	2,423	2,204	2,142*
Income (loss) before income taxes	755	401	453	59*
Current	-	-	-	52*
Deferred	-	-	-	-37*
Income tax expense (benefit)	174	97	109	14*
Net income	581	304	344	45

Basic EPS	0.07	0.04	0.04	0.006
Diluted EPS	0.07	0.04	0.04	0.006
Basic Average Shares	8,086,715	8,098,715	8,086,715	8,098,715
Diluted Average Shares	8,086,715	8,098,715	8,086,715	8,098,715

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.