Kentucky First Federal Bancorp
For the period ended Jun 30, 2025. Filed Sep 30, 2025.
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FY2025 · Filed Sep 30, 2025
KFFB$5.64-4.8%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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EX-13 · CONSOLIDATED BALANCE SHEETS
CONSOLIDATED BALANCE SHEETS
| 2025 | 2024 | |
|---|---|---|
| ASSETS | ||
| Cash and due from financial institutions | $2,342 | $1,913 |
| Fed funds sold | 8,577 | 703 |
| Interest-bearing demand deposits | 8,561 | 15,671 |
| Cash and cash equivalents | 19,480 | 18,287 |
| Securities available-for-sale- at fair value | 9,757 | 9,648 |
| Securities held-to-maturity, at amortized cost-approximate fair value of $167 and $203 at June 30, 2025 and 2024, respectively | 171 | 213 |
| Loans held for sale | 877 | 110 |
| Loans, net of allowance for credit losses of $2,170 and $2,127 at June 30, 2025 and 2024, respectively | 327,248 | 333,025 |
| Real estate acquired through foreclosure | - | 10 |
| Office premises and equipment - at depreciated cost | 4,211 | 4,267 |
| Federal Home Loan Bank stock - at cost | 3,980 | 4,230 |
| Accrued interest receivable | 1,438 | 1,169 |
| Bank-owned life insurance | 3,001 | 2,915 |
| Goodwill | - | - |
| Prepaid income taxes | - | 219 |
| Prepaid expenses and other assets | 1,048 | 875 |
| Total assets | $371,211 | $374,968 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||
| Savings | $48,616 | $47,390 |
| Certificates of deposit | 199,575 | 176,572 |
| Demand deposit accounts | 29,372 | 32,177 |
| Deposits | 277,563 | 256,139 |
| Federal Home Loan Bank advances | 42,760 | 68,988 |
| Advances by borrowers for taxes and insurance | 869 | 909 |
| Accrued interest payable | 949 | 176 |
| Accrued income taxes | 63 | - |
| Deferred income taxes | 30 | 113 |
| Other liabilities | 608 | 646 |
| Total liabilities | 322,842 | 326,971 |
| Shareholders’ equity | ||
| Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued | - | - |
| Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued | 86 | 86 |
| Additional paid-in capital | 34,891 | 34,891 |
| Retained earnings - restricted | 17,506 | 17,325 |
| Treasury shares at cost, 509,349 common shares at June 30, 2025 and 2024, respectively | (3,969) | (3,969) |
| Accumulated other comprehensive loss | (145) | (336) |
| Total shareholders’ equity | 48,369 | 47,997 |
| Total liabilities and shareholders’ equity | $371,211 | $374,968 |
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