Financial insights of KFFB

MyFinsight

For the quarter ending 2025-12-31.

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

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