Kentucky First Federal Bancorp KFFB Cash Flow

Kentucky first federal bancorp (KFFB)

CashFlow / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10
Cash flows from operating activities:
Net income
240	248	234	300	207	167	138	12	162	869	280	216	168	254	297	381	178	404	538	535	539	579	416	422	491	598	423	837	630	927	522	378	528	388	421	555	444	424	333
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation
72	59	74	62	69	74	77	74	76	78	81	80	84	86	86	109	64	76	72	72	71	69	66	70	61	79	78	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of purchased loan credit discount
27	28	28	29	20	20	21	21	22	21	22	22	45	46	46	48	38	39	39	40	105	105	60	30	25	100	0	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-23	-42	138	-48	-50	-48	3	-14	9	10
Amortization of purchased loan premium
3	2	3	2	3	3	3	4	4	3	4	5	4	4	3	4	4	4	5	4	5	5	4	4	3	4	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of deferred loan origination costs (fees)
25	22	23	26	21	20	15	22	14	20	24	1	17	15	15	16	8	10	5	11	36	13	-5	-1	2	-19	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of deferred loan origination costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7	8	-17	3	2	0	-5	-27	-38	-38
Depreciation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	47	48	46	44
Amortization of premiums on investment securities
-	-	-	0	-2	-2	-2	-3	-2	-4	-3	-26	-10	-15	-18	-21	-12	-22	-25	-31	-36	-40	-41	-47	-50	-183	64	-212	73	0	0	-	-	-	-	-	-	-	-
Accretion of premiums on Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	14	42	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of premiums on deposits
-	-	-	-	-	-	-	-	-	-	-	0	0	-46	81	21	21	21	21	21	93	0	98	98	98	98	120	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of loans
35	34	6	0	9	6	14	4	13	11	0	-	-	-	-	10	0	22	19	0	13	9	6	0	0	20	35	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	110	-22	-33	-32	48	15	64	28
Write down of real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Net gain on sale of real estate owned
-	-	-	3	-5	7	5	5	-4	8	43	2	-9	1	73	68	-1	37	16	97	-53	143	-1	-7	-2	25	-23	77	-76	3	3	-	15	667	-667	-	-	-	-
Net loss (gain) on sale of real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-10	10	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of premiums on Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	99	-3	-4	-5	33	33	32	33
Amortization of premiums on deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31	53	58	-90	0	23	0	-	-	-38	2
Valuation adjustments of real estate owned
-	-	-	12	0	36	18	-	-	-	0	-	-	-	-	1	111	21	18	60	13	14	0	67	0	17	17	-	-	-	-	-	-	-	-	-	-	-	-
Deferred gain on sale of real estate owned
-	-	-	-	-	-	-	-	-	-	-	4	4	5	4	4	4	3	4	4	4	10	3	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ESOP compensation expense
34	35	13	47	46	18	47	47	47	47	47	55	55	51	52	50	55	43	40	39	38	38	39	39	40	38	38	100	-6	6	46	47	46	32	55	89	0	42	49
Net gain on sale of property & equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3	0	9	-9	-	-	-	-
Earnings on bank-owned life insurance
20	19	19	18	19	18	19	13	394	18	24	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
0	5	59	0	0	0	11	78	104	3	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock benefit plans and stock options expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	53	11	1	-	0	27	-27	14	42	202	26
Earnings on bank-owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	24	23	23	24	23	23	23	24	23	23	22	23	23	23	22	23	22	23	23	22	22	22	23	22	23
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	4	4	0	0	11	41	36	210	56	49	78	171	282	83	161	392	26	-	-	-	-	-1	601	43	25
Origination of loans held for sale
1,279	790	586	0	221	124	476	132	299	498	0	93	195	255	203	212	0	898	121	100	94	179	326	-82	0	429	1,073	1,559	363	931	1,273	481	0	206	188	1,031	600	1,270	980
Proceeds from loans held for sale
1,005	1,014	151	0	230	240	380	136	552	269	0	-	-	-	-	222	0	1,041	119	0	287	255	85	-81	-1	459	1,294	1,506	749	1,208	1,148	0	0	417	0	1,404	492	1,721	789
Increase (decrease) in cash, due to changes in:
Accrued interest receivable
22	-53	-15	13	33	-9	15	-2	-12	41	0	2	1	-35	1	20	5	-62	22	-47	24	-152	9	-9	-28	-3	12	-77	97	-49	16	16	-23	14	-48	35	-97	89	-7
Prepaid expenses and other assets
32	-171	4	84	32	-80	-61	292	66	-142	-72	120	55	-188	-343	424	41	-81	-71	98	81	-111	-46	17	-149	128	-47	-425	-188	201	-37	-133	-143	291	-65	-85	-169	177	-46
Accrued interest payable
3	1	1	-1	5	0	2	-2	1	1	1	-9	1	8	-1	-8	-2	-1	1	0	1	-3	2	-5	1	-2	2	-5	-14	-12	-15	-10	-8	-12	3	-22	-17	-14	-1
Other liabilities
131	-57	25	-	27	-361	182	-	83	-42	50	-	133	-154	107	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-70	-11	34	-41	-277	361	-257	215	-25	74	-176	122	-	-	-	-	-	-	-	-	-	-	-	-
Federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	72	4	-43	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal income taxes
59	58	63	126	45	-62	32	30	-81	-259	34	100	-105	36	61	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-253	-32	-203	-	-293	119	-3	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	120	-70	136	-58	-35	-163	108	577	-439	-331	171
Federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	247	-437	137	212	-336	-456	572	-143	16	-16	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	553	-161	216	749	642	372	1,292	788	644	8	1,120	389	970	-	-	-	-	-	-	-	-	-	-	-	-
Deferred
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-4	-451	-	-	-	-
Deferred
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Net cash provided by operating activities
171	762	18	207	326	51	418	-84	199	527	507	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-39	716	52	848	-792	1,335	1,712	801	552	441
Cash flows from investing activities:
Purchase of available-for-sale securities
-	-	-	-	0	0	501	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of investment securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	11,000	0
Purchase of time deposits in other financial institutions
-	-	-	3,000	496	496	494	0	0	0	2,727	-998	500	0	988	3,711	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Maturities of time deposits in other financial institutions
2,747	495	3,497	990	498	494	1,234	989	0	247	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of investment securities available-for sale
-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities maturities, prepayments and calls:
Held to maturity
26	26	92	33	45	44	98	76	166	115	116	639	7,134	632	638	651	11,153	687	773	1,235	8,684	724	304	814	10,273	766	1,147	951	15,447	379	386	451	553	603	447	575	11,495	941	614
Available for sale
1	498	1	0	2	0	2	3	14	4	1	6	1	2	1	5	4	1	4	6	3	29	2	1	2	2	22	2	6	16	2	3	12,502	5	4	4	17	18	2
Loans originated for investment, net of principal collected
-2,944	1,866	-984	9,383	-1,455	4,263	-1,385	6,153	3,662	5,075	-1,889	5,252	6,236	6,499	2,798	-1,317	-4,726	-974	1,278	-664	944	957	-2,625	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans originated for investment, net of principal collected
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,591	3,628	2,939	3,636	6,113	4,780	230	4,469	-703	1,547	-661	2,273	-	-	-	-
Loans originated for investment, net of principal collected
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,482	-1,885	470
Proceeds from sale of real estate owned
8	128	44	-	-	-	-	144	44	96	125	233	13	361	336	76	35	347	430	767	667	70	327	700	0	0	0	-	-	-	-	831	0	-68	-586	-597	6	543	342
Additions to real estate owned
19	16	4	0	22	14	62	0	0	-5	10	7	2	15	13	38	0	114	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Additions to premises and equipment, net
15	88	53	93	1	20	34	3	93	31	24	69	6	9	40	92	123	288	605	723	20	72	69	102	67	54	86	68	5	0	3	26	10	50	77	30	22	55	14
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-2,864	-1,792	15,795	-9,393	-676	1,949	8,390	-8,706	3,189	5,004	15,086	-6,347	4,719	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
3,176	-823	4,561	-11,513	1,561	-4,255	1,628	-4,949	-3,155	-3,847	-630	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-10,026	4,854	556	14,592	-12,671	2,061	260	12,978	-7,668	474
Cash flows from financing activities:
Net increase (decrease) in deposits
8,596	3,880	243	600	-2,041	467	1,157	1,917	2,433	3,116	5,342	1,226	-1,478	-2,452	-2,988	-1,808	-2,063	-3,747	-3,427	-2,451	-2,753	-6,697	-1,328	-5,281	-2,128	-6,176	-3,840	-2,151	-864	-472	-1,215	-882	-1,161	-4,164	819	-2,471	-859	-1,378	-321
Payments by borrowers for taxes and insurance, net
286	-819	287	288	259	-823	277	244	282	-818	236	266	310	-772	273	255	251	-737	273	244	250	-662	251	205	215	-607	241	-	-	-	-	-	-	-	-	-	-	-	-
Payments by borrowers for taxes and insurance, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-217	487	-138	-147	-199	504	-174	-150	-167	441	-260
Proceeds from Federal Home Loan Bank advances
3,000	6,800	4,000	19,950	6,600	8,100	8,500	11,100	7,500	4,500	1,500	11,500	6,500	17,100	12,000	4,500	4,000	18,500	6,200	4,500	3,800	13,000	2,500	-	-	-	-	-	-	-	-	-	-	-	-	0	0	11,000	5,000
Repayments on Federal Home Loan Bank advances
9,573	9,558	6,330	9,285	6,098	2,578	11,538	7,546	6,629	2,103	11,050	9,559	5,771	3,137	6,064	5,081	14,740	3,199	3,604	509	10,203	-1,859	5,512	1,029	8,787	1,704	5,534	6,658	21,396	1,689	2,567	9,597	16,050	915	622	660	12,243	4,059	5,678
Treasury stock purchased
163	161	151	-	187	398	89	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Treasury stock repurchases
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	61	90	0	45	0	0	47	0	171
Dividends paid on common stock
352	352	334	349	369	353	365	365	364	361	363	372	371	372	372	372	372	358	378	303	378	324	380	384	384	383	360	359	363	284	277	757	280	285	282	256	301	277	278
Net cash provided by (used in) financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,849	-2,506	-12,924	10,459	-936	1,481	-9,637	6,831	-4,469	-6,489	-11,126	1,130	-9,493	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) financing activities
1,794	-210	-2,285	10,974	-1,836	4,415	-2,058	5,350	3,222	4,334	-4,335	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18,068	-3,982	821	-15,292	9,087	89	-3,237	-13,283	4,845	-1,188
Net increase in cash and cash equivalents
5,141	-271	2,294	-332	51	211	-12	317	266	1,014	-4,458	151	133	-1,126	538	-4,459	3,087	1,815	-970	3,802	45	-1,087	-636	-1,477	5,080	-4,828	-3,804	113	1,101	8,003	1,588	1,429	148	-4,376	3,485	-1,265	496	-2,271	-273
Supplemental disclosure of cash flow information:
Cash paid during the period for:
Federal income taxes
-	-	-	-	-	-	-	-	100	100	100	-	200	100	100	250	150	200	110	75	50	205	0	-	-	-	-	-60	75	825	120	300	140	650	0	-403	150	250	100
Interest on deposits and borrowings
874	926	946	911	840	797	698	632	560	501	467	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest on deposits and borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	410	356	364	364	370	371	465	357	447	-	-	-	-	1,104	217	369	454	483	519	570	646	659	769	894	1,021
Cash paid during the period for: Transfers of loans to real estate owned, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	92	208	99	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the period for: Loans made on sale of real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24	510	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfers of loans to real estate owned, net
9	0	295	85	0	146	116	80	48	122	660	153	181	439	68	-	-	-	-	343	745	879	156	-	-	-	-	-	-	-	40	1	2,375	-2,280	0	798	3,322	111	412
Loans made on sale of real estate owned
-	-	-	0	18	116	80	0	0	0	169	0	104	0	110	-	-	-	-	204	60	184	195	-	-	-	-	-	-	-	0	0	0	115	2,260	93	0	532	61
Deferred gain on sale of real estate acquired through foreclosure
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-648	0	17	648	-	-	-	0
Capitalization of mortgage servicing rights
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5	9	9	-	0	3	0	-	-	-	-
Capitalization of mortgage servicing rights
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4	14	6