For the quarter ending 2025-12-31, KFFB made $10,297,000 in revenue. $304,000 in net income. Net profit margin of 2.95%.
| Income Statement | 2025-12-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Loans, including fees | 4,884,000 | 4,695,000 | 4,435,500 | |
| Mortgage-backed securities | 107,000 | 98,000 | 75,250 | |
| Interest-bearing deposits and other | 185,000 | 259,000 | 298,500 | |
| Total interest income | 5,176,000 | 5,052,000 | 4,809,250 | |
| Interest-bearing demand deposits | 25,000 | 30,000 | - | |
| Savings | 49,000 | 49,000 | - | |
| Certificates of deposit | 1,943,000 | 1,990,000 | - | |
| Deposits | 2,017,000 | 2,069,000 | 2,036,500 | |
| Borrowings | 503,000 | 479,000 | 687,500 | |
| Total interest expense | 2,520,000 | 2,548,000 | 2,724,000 | |
| Net interest income | 2,656,000 | 2,504,000 | 2,085,250 | |
| Provision for credit losses | 10,000 | - | 9,750 | |
| Net interest income after provision for credit losses | 2,646,000 | 2,504,000 | 2,075,500 | |
| Earnings on bank-owned life insurance | 22,000 | 22,000 | 21,500 | |
| Net gain on sales of loans | 101,000 | 65,000 | 50,250 | |
| Other | 55,000 | 66,000 | 53,250 | |
| Total non-interest income | 178,000 | 153,000 | 125,000 | |
| Employee compensation and benefits | 1,311,000 | 1,204,000 | 1,211,500 | |
| Data processing | 225,000 | 226,000 | 168,500 | |
| Occupancy and equipment | 134,000 | 136,000 | 137,500 | |
| Fdic insurance premiums | 79,000 | 61,000 | 63,250 | |
| Voice and data communications | 33,000 | 33,000 | 34,000 | |
| Advertising | 56,000 | 43,000 | 46,500 | |
| Outside service fees | 234,000 | 160,000 | 127,750 | |
| Auditing and accounting | 96,000 | 95,000 | 88,500 | |
| Regulatory assessments | 23,000 | 23,000 | 24,250 | |
| Foreclosure and real estate owned expenses, net | 19,000 | 26,000 | 22,000 | |
| Franchise and other taxes | 40,000 | 31,000 | 33,000 | |
| Legal fees | 124,000 | - | - | |
| Other | 49,000 | 166,000 | 184,250 | |
| Total non-interest expense | 2,423,000 | 2,204,000 | 2,141,000 | |
| Income (loss) before income taxes | 401,000 | 453,000 | 59,500 | |
| Current | - | - | 51,750 | |
| Deferred | - | - | -37,500 | |
| Income tax expense (benefit) | 97,000 | 109,000 | 14,250 | |
| Net income (loss) | 304,000 | 344,000 | 45,250 | |
| Basic (in dollars per share) | 0.04 | 0.04 | 0.005 | |
| Diluted (in dollars per share) | 0.04 | 0.04 | 0.005 | |
| Weighted average common shares outstanding, basic | 8,098,715 | 8,086,715 | 2,024,678.75 | |
| Weighted average common shares outstanding, diluted | 8,098,715 | 8,086,715 | 2,024,678.75 | |
Kentucky First Federal Bancorp (KFFB)
Kentucky First Federal Bancorp (KFFB)