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$5.78+2.4%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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EX-13 · CONSOLIDATED STATEMENTS OF CASH FLOWS
CONSOLIDATED STATEMENTS OF CASH FLOWS
| 2025 | 2024 | |
|---|---|---|
| Cash flows from operating activities: | ||
| Net income (loss) | $181 | $(1,721) |
| Adjustments to reconcile net income (loss) to net cash from operating activities: | ||
| Goodwill impairment | - | 947 |
| Depreciation | 201 | 234 |
| Accretion of purchased loan discount | (33) | (97) |
| Amortization of discounts and premiums on investment securities, net | (20) | (25) |
| Amortization of deferred loan origination fees | (34) | (6) |
| Net gain on sale of loans | (201) | (14) |
| Net (gain) loss on real estate owned | 3 | (8) |
| Earnings on bank-owned life insurance | (86) | (84) |
| Provision for credit losses | 39 | 24 |
| Origination of loans held for sale | (7,595) | (892) |
| Proceeds from loans held for sale | 7,029 | 796 |
| Deferred income tax | (150) | (289) |
| Accrued income tax | 63 | - |
| Changes in: | ||
| Accrued interest receivable | (269) | (267) |
| Prepaid expenses and other assets | 43 | (208) |
| Accrued interest payable | 773 | 106 |
| Accounts payable and other liabilities | (30) | 50 |
| Net cash used in operating activities | (86) | (1,454) |
| Cash flows from investing activities: | ||
| Purchase of investments available for sale | (2,987) | - |
| Purchase of FHLB stock | (342) | (1,519) |
| Investment securities maturities, prepayments and calls: | ||
| Held to maturity | 39 | 57 |
| Available for sale | 3,155 | 2,582 |
| Proceeds from redemption of FHLB stock | 592 | 1,912 |
| Loans originated for investment, net of principal collected | 5,808 | (19,637) |
| Proceeds from sale of real estate owned | 7 | 68 |
| Additions to premises and equipment, net | (149) | (66) |
| Net cash provided (used) by investing activities | 6,123 | (16,603) |
| Cash flows from financing activities: | ||
| Net increase in deposits | 21,424 | 29,830 |
| Payments by borrowers for taxes and insurance, net | (40) | 116 |
| Proceeds from Federal Home Loan Bank advances | 15,121 | 84,878 |
| Repayments on Federal Home Loan Bank advances | (41,349) | (85,977) |
| Dividends paid on common stock | - | (670) |
| Net cash provided (used) by financing activities | (4,844) | 28,177 |
| Net increase in cash and cash equivalents | 1,193 | 10,120 |
| Beginning cash and cash equivalents | 18,287 | 8,167 |
| Ending cash and cash equivalents | $19,480 | $18,287 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.