Kentucky First Federal Bancorp KFFB Cash Flow

Kentucky first federal bancorp (KFFB)

CashFlow / TTM

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
1,022	989	908	812	524	479	1,181	1,323	1,527	1,533	918	935	1,100	1,110	1,260	1,501	1,655	2,016	2,191	2,069	1,956	1,908	1,927	1,934	2,349	2,488	2,817	2,916	2,457	2,355	1,816	1,715	1,892	1,808	1,844	1,756	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation
267	264	279	282	294	301	305	309	315	323	331	336	365	345	335	321	284	291	284	278	276	266	276	288	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of purchased loan credit discount
112	105	97	90	82	84	85	86	87	110	135	159	185	178	171	164	156	223	289	310	300	220	215	155	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25	-2	-8	-143	-109	-50	8	0	0	0
Amortization of purchased loan premium
10	10	11	11	13	14	14	15	16	16	17	16	15	15	15	17	17	18	19	18	18	16	15	11	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of deferred loan origination costs (fees)
96	92	90	82	78	71	71	80	59	62	57	48	63	54	49	39	34	62	65	55	43	9	-23	-18	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of deferred loan origination costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-13	-4	-12	0	-30	-70	-108	0	0	0
Depreciation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	141	185	0	0	0
Amortization of premiums on investment securities
-	-	-	-6	-9	-9	-11	-12	-35	-43	-54	-69	-64	-66	-73	-80	-90	-114	-132	-148	-164	-178	-321	-216	-381	-258	-75	-139	0	0	0	-	-	-	-	-	-	-	-
Accretion of premiums on Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	56	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of premiums on deposits
-	-	-	-	-	-	-	-	-	-	-	35	56	77	144	84	84	156	135	212	289	294	392	414	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of loans
75	49	21	29	33	37	42	28	0	0	0	-	-	-	-	51	41	54	41	28	28	15	26	55	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23	-39	-2	95	155	0	0	0
Write down of real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Net gain on sale of real estate owned
-	-	-	10	12	13	14	52	49	44	37	67	133	141	177	120	149	97	203	186	82	133	15	-7	77	3	-19	7	0	0	0	-	0	0	0	-	-	-	-
Net loss (gain) on sale of real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of premiums on Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	96	92	87	21	57	93	131	0	0	0
Amortization of premiums on deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	52	21	-9	-67	0	0	0	-	-	0	0
Valuation adjustments of real estate owned
-	-	-	66	0	0	0	-	-	-	0	-	-	-	-	151	210	112	105	87	94	81	84	101	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Deferred gain on sale of real estate owned
-	-	-	-	-	-	-	-	-	-	-	17	17	17	15	15	15	15	22	21	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ESOP compensation expense
129	141	124	158	158	159	188	188	196	204	208	213	208	208	200	188	177	160	155	154	154	156	156	155	216	170	138	146	93	145	171	180	222	176	186	180	0	0	0
Net gain on sale of property & equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3	0	0	0	-	-	-	-
Earnings on bank-owned life insurance
76	75	74	74	69	444	444	449	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
64	64	59	11	89	193	196	185	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock benefit plans and stock options expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	14	56	231	284	0	0	0
Earnings on bank-owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	94	93	93	93	93	93	93	92	91	91	91	91	91	90	90	91	90	90	89	89	89	90	0	0	0
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	8	15	52	88	298	343	351	393	354	580	614	697	918	662	0	0	0	-	-	-	-	668	0	0	0
Origination of loans held for sale
2,655	1,597	931	821	953	1,031	1,405	929	890	786	543	746	865	670	1,313	1,231	1,119	1,213	494	699	517	423	673	1,420	3,061	3,424	3,926	4,126	3,048	2,685	1,960	875	1,425	2,025	3,089	3,881	0	0	0
Proceeds from loans held for sale
2,170	1,395	621	850	986	1,308	1,337	957	0	0	0	-	-	-	-	1,382	1,160	1,447	661	627	546	258	462	1,671	3,258	4,008	4,757	4,611	3,105	2,356	1,565	417	1,821	2,313	3,617	4,406	0	0	0
Increase (decrease) in cash, due to changes in:
Accrued interest receivable
-33	-22	22	52	37	-8	42	27	31	44	-32	-31	-13	-9	-36	-15	-82	-63	-153	-166	-128	-180	-31	-28	-96	29	-17	-13	80	-40	23	-41	-22	-96	-21	20	0	0	0
Prepaid expenses and other assets
-51	-51	40	-25	183	217	155	144	-28	-39	-85	-356	-52	-66	41	313	-13	27	-3	22	-59	-289	-50	-51	-493	-532	-459	-449	-157	-112	-22	-50	-2	-28	-142	-123	0	0	0
Accrued interest payable
4	6	5	6	5	1	2	1	-6	-6	1	-1	0	-3	-12	-10	-2	1	-1	0	-5	-5	-4	-4	-4	-19	-29	-46	-51	-45	-45	-27	-39	-48	-50	-54	0	0	0
Other liabilities
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-88	-295	77	-214	42	294	7	88	-5	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal income taxes
306	292	172	141	45	-81	-278	-276	-206	-230	65	92	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	128	-27	-120	-148	487	83	-85	-22	0	0	0
Federal income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	159	-424	-443	-8	-363	-11	429	-143	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,357	1,446	1,979	3,055	3,094	3,096	2,732	2,560	2,161	2,487	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Deferred
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-
Deferred
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Net cash provided by operating activities
1,158	1,313	602	1,002	711	584	1,060	1,149	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,577	824	1,443	3,103	3,056	4,400	3,506	0	0	0
Cash flows from investing activities:
Purchase of available-for-sale securities
-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of investment securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11,000	0	0	0
Purchase of time deposits in other financial institutions
-	-	-	4,486	1,486	990	494	2,727	1,729	2,229	2,229	490	5,199	4,699	4,699	3,711	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Maturities of time deposits in other financial institutions
7,729	5,480	5,479	3,216	3,215	2,717	2,470	1,236	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of investment securities available-for sale
-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities maturities, prepayments and calls:
Held to maturity
177	196	214	220	263	384	455	473	1,036	8,004	8,521	9,043	9,055	13,074	13,129	13,264	13,848	11,379	11,416	10,947	10,526	12,115	12,157	13,000	13,137	18,311	17,924	17,163	16,663	1,769	1,993	2,054	2,178	13,120	13,458	13,625	0	0	0
Available for sale
500	501	3	4	7	19	23	22	25	12	10	10	9	12	11	14	15	14	42	40	35	34	7	27	28	32	46	26	27	12,523	12,512	12,514	12,515	30	43	41	0	0	0
Loans originated for investment, net of principal collected
7,321	8,810	11,207	10,806	7,576	12,693	13,505	13,001	12,100	14,674	16,098	20,785	14,216	3,254	-4,219	-5,739	-5,086	584	2,515	-1,388	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans originated for investment, net of principal collected
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13,794	16,316	17,468	14,759	15,592	8,776	5,543	4,652	2,456	0	0	0	-	-	-	-
Loans originated for investment, net of principal collected
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Proceeds from sale of real estate owned
0	0	0	-	-	-	-	409	498	467	732	943	786	808	794	888	1,579	2,211	1,934	1,831	1,764	1,097	1,027	700	0	0	0	-	-	-	-	177	-1,251	-1,245	-634	294	0	0	0
Additions to real estate owned
39	42	40	98	98	76	57	5	12	14	34	37	68	66	165	152	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Additions to premises and equipment, net
249	235	167	148	58	150	161	151	217	130	108	124	147	264	543	1,108	1,739	1,636	1,420	884	263	310	292	309	275	213	159	76	34	39	89	163	167	179	184	121	0	0	0
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,746	3,934	7,675	270	957	4,822	7,877	14,573	16,932	18,462	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
-4,599	-6,214	-9,646	-12,579	-6,015	-10,731	-10,323	-12,581	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9,976	7,331	4,538	4,242	2,628	7,631	6,044	0	0	0
Cash flows from financing activities:
Net increase (decrease) in deposits
13,319	2,682	-731	183	1,500	5,974	8,623	12,808	12,117	8,206	2,638	-5,692	-8,726	-9,311	-10,606	-11,045	-11,688	-12,378	-15,328	-13,229	-16,059	-15,434	-14,913	-17,425	-14,295	-13,031	-7,327	-4,702	-3,433	-3,730	-7,422	-5,388	-6,977	-6,675	-3,889	-5,029	0	0	0
Payments by borrowers for taxes and insurance, net
42	15	11	1	-43	-20	-15	-56	-34	-6	40	77	66	7	42	42	31	30	105	83	44	9	64	54	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Payments by borrowers for taxes and insurance, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-15	3	20	-16	-19	13	-50	-136	0	0	0
Proceeds from Federal Home Loan Bank advances
33,750	37,350	38,650	43,150	34,300	35,200	31,600	24,600	25,000	24,000	36,600	47,100	40,100	37,600	39,000	33,200	33,200	33,000	27,500	23,800	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	16,000	0	0	0
Repayments on Federal Home Loan Bank advances
34,746	31,271	24,291	29,499	27,760	28,291	27,816	27,328	29,341	28,483	29,517	24,531	20,053	29,022	29,084	26,624	22,052	17,515	12,457	14,365	14,885	13,469	17,032	17,054	22,683	35,292	35,277	32,310	35,249	29,903	29,129	27,184	18,247	14,440	17,584	22,640	0	0	0
Treasury stock purchased
0	0	0	-	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Treasury stock repurchases
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61	151	151	196	135	45	92	47	218	0	0	0
Dividends paid on common stock
1,387	1,404	1,405	1,436	1,452	1,447	1,455	1,453	1,460	1,467	1,478	1,487	1,487	1,488	1,474	1,480	1,411	1,417	1,383	1,385	1,466	1,472	1,531	1,511	1,486	1,465	1,366	1,283	1,681	1,598	1,599	1,604	1,103	1,124	1,116	1,112	0	0	0
Net cash provided by (used in) financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-2,122	-5,907	-1,920	1,367	-2,261	-5,794	-13,764	-15,253	-20,954	-25,978	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) financing activities
10,273	6,643	11,268	11,495	5,871	10,929	10,848	8,571	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-385	-9,366	-5,295	-9,353	-7,344	-11,586	-12,863	0	0	0
Net increase in cash and cash equivalents
6,832	1,742	2,224	-82	567	782	1,585	-2,861	-3,027	-3,160	-5,300	-304	-4,914	-1,960	981	-527	7,734	4,692	1,790	2,124	-3,155	1,880	-1,861	-5,029	-3,439	-7,418	5,413	10,805	12,121	11,168	-1,211	686	-2,008	-1,660	445	-3,313	0	0	0
Supplemental disclosure of cash flow information:
Cash paid during the period for:
Federal income taxes
-	-	-	-	-	-	-	-	0	0	0	-	650	600	700	710	535	435	440	330	0	0	0	-	-	-	-	960	1,320	1,385	1,210	1,090	387	397	-3	97	0	0	0
Interest on deposits and borrowings
3,657	3,623	3,494	3,246	2,967	2,687	2,391	2,160	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest on deposits and borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,494	1,454	1,469	1,570	1,563	1,640	0	0	0	-	-	-	-	2,144	1,523	1,825	2,026	2,218	2,394	2,644	2,968	3,343	0	0	0
Cash paid during the period for: Transfers of loans to real estate owned, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the period for: Loans made on sale of real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfers of loans to real estate owned, net
389	380	526	347	342	390	366	910	983	1,116	1,433	841	0	0	0	-	-	-	-	2,123	0	0	0	-	-	-	-	-	-	-	136	96	893	1,840	4,231	4,643	0	0	0
Loans made on sale of real estate owned
-	-	-	214	214	196	80	169	169	273	273	214	0	0	0	-	-	-	-	643	0	0	0	-	-	-	-	-	-	-	115	2,375	2,468	2,468	2,885	686	0	0	0
Deferred gain on sale of real estate acquired through foreclosure
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-631	17	0	0	0	-	-	-	0
Capitalization of mortgage servicing rights
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-
Capitalization of mortgage servicing rights
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0