Kentucky First Federal Bancorp
For the period ended Dec 31, 2025. Filed Feb 13, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Dec 31, 2025 · Filed Feb 13, 2026
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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Condensed Consolidated Statements of Cash Flows
| Six months ended December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| Cash flows from operating activities: | ||
| Net income (loss) | $648 | $(2) |
| Adjustments to reconcile net income (loss) to net cash from operating activities | ||
| Depreciation | 96 | 103 |
| Amortization of deferred loan origination fees, net | (99) | (13) |
| Amortization of premiums on investment securities | (23) | (10) |
| Net gain on sale of loans | (166) | (141) |
| Earnings on bank-owned life insurance | (44) | (43) |
| Provision for credit losses | 10 | 15 |
| Origination of loans held for sale | (5,836) | (3,656) |
| Proceeds from loans held for sale | 6,256 | 3,791 |
| Deferred Income Taxes | 63 | 30 |
| Accrued Income Tax | (162) | - |
| Increase (decrease) in cash, due to changes in: | ||
| Accrued interest receivable | (31) | (95) |
| Prepaid expenses and other assets | (166) | (52) |
| Accrued interest payable | (439) | 302 |
| Other liabilities | 40 | (189) |
| Net cash provided by operating activities | 147 | 40 |
| Cash flows from investing activities: | ||
| Purchase of securities available for sale | (2,405) | - |
| Securities maturities, prepayments and calls: | ||
| Held-to-maturity | 17 | 22 |
| Available-for-sale | 1,114 | 1,111 |
| Proceeds from redemption of FHLB stock | 617 | 133 |
| Purchase of FHLB stock | (442) | (342) |
| Loans originated for investment, net of principal collected | (2,492) | 2,791 |
| Additions to premises and equipment, net | (69) | (83) |
| Net cash provided by (used in) investing activities | (3,660) | 3,632 |
| Cash flows from financing activities: | ||
| Net change in deposits | (4,369) | 6,916 |
| Payments by borrowers for taxes and insurance, net | (614) | (703) |
| Proceeds from Federal Home Loan Bank advances | 27,102 | 14,446 |
| Repayments on Federal Home Loan Bank advances | (18,414) | (21,642) |
| Net cash provided by (used in) financing activities | 3,705 | (983) |
| Net increase in cash and cash equivalents | 192 | 2,689 |
| Beginning cash and cash equivalents | 19,480 | 18,287 |
| Ending cash and cash equivalents | $19,672 | $20,976 |
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (CONTINUED)
| Six months ended December 31, | |||
|---|---|---|---|
| 2025 · 2024 | |||
| Supplemental disclosure of cash flow information: | |||
| Cash paid during the period for: | |||
| Income taxes | $305 | $ | - |
| Interest on deposits and borrowings | $5,068 | $5,194 | |
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