Kentucky First Federal Bancorp
For the period ended Jun 30, 2026. Filed Sep 28, 2026.
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FY2026 · Filed Sep 28, 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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EX-13 · CONSOLIDATED STATEMENTS OF CASH FLOWS
CONSOLIDATED STATEMENTS OF CASH FLOWS
| 2026 | 2025 | |
|---|---|---|
| Cash flows from operating activities: | ||
| Net income | $1,909 | $181 |
| Adjustments to reconcile net income (loss) to net cash from operating activities: | ||
| Depreciation | 203 | 201 |
| Accretion of purchased loan discount | - | (33) |
| Amortization of discounts and premiums on investment securities, net | (48) | (20) |
| Amortization of deferred loan origination fees | (139) | (34) |
| Net gain on sale of loans | (309) | (201) |
| Net (gain) loss on real estate owned | - | 3 |
| Earnings on bank-owned life insurance | (88) | (86) |
| Provision for credit losses | 237 | 39 |
| Origination of loans held for sale | (13,981) | (7,595) |
| Proceeds from loans held for sale | 13,982 | 7,029 |
| Deferred income tax | 2 | (150) |
| Accrued income tax | 33 | 63 |
| Changes in: | ||
| Accrued interest receivable | (210) | (269) |
| Prepaid expenses and other assets | (360) | 43 |
| Accrued interest payable | (283) | 773 |
| Accounts payable and other liabilities | 299 | (30) |
| Net cash provided (used) by operating activities | 1,247 | (86) |
| Cash flows from investing activities: | ||
| Purchase of investments available for sale | (3,925) | (2,987) |
| Purchase of FHLB stock | (747) | (342) |
| Investment securities maturities, prepayments and calls: | ||
| Held to maturity | 35 | 39 |
| Available for sale | 2,847 | 3,155 |
| Proceeds from redemption of FHLB stock | 835 | 592 |
| Loans originated for investment, net of principal collected | 7,643 | 5,808 |
| Proceeds from sale of real estate owned | - | 7 |
| Additions to premises and equipment, net | (136) | (149) |
| Net cash provided by investing activities | 6,552 | 6,123 |
| Cash flows from financing activities: | ||
| Net increase in deposits | (16,731) | 21,424 |
| Payments by borrowers for taxes and insurance, net | 105 | (40) |
| Proceeds from Federal Home Loan Bank advances | 42,162 | 15,121 |
| Repayments on Federal Home Loan Bank advances | (36,330) | (41,349) |
| Net cash used in financing activities | (10,794) | (4,844) |
| Net increase (decrease) in cash and cash equivalents | (2,995) | 1,193 |
| Beginning cash and cash equivalents | 19,480 | 18,287 |
| Ending cash and cash equivalents | $16,485 | $19,480 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.