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Income Overview
Net Income
$581K
EPS
$0.07
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
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
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$4,957K
Interest-bearing deposits and
other
$201K
Mortgage-backed securities
$99K
Total interest income
$5,257K
Net interest income
$2,867K
Net gain on sales of
loans
$63K
Other
$47K
Earnings on bank-owned
life insurance
$29K
Total interest
expense
$2,390K
Net interest income
after provision for...
$2,826K
Total non-interest
income
$139K
Provision for credit
losses
$41K
Deposits
$1,893K
Borrowings
$497K
Income (loss) before
income taxes
$755K
Total non-interest
expense
$2,210K
Certificates of deposit
$1,810K
Savings
$50K
Interest-bearing demand deposits
$33K
Net income
$581K
Income tax expense
(benefit)
$174K
Employee compensation
and benefits
$1,298K
Data processing
$244K
Occupancy and equipment
$152K
Outside service fees
$117K
Other
$110K
Auditing and accounting
$95K
Fdic insurance
premiums
$69K
Franchise and other taxes
$32K
Voice and data
communications
$26K
Advertising
$24K
Foreclosure and real estate
owned expenses, net
$23K
Legal fees
$13K
Regulatory assessments
$7K
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Kentucky First Federal Bancorp (KFFB)
Kentucky First Federal Bancorp (KFFB)