Kentucky first federal bancorp (KFFB)
Income statement / Yearly
Jun'19Jun'18Jun'17Jun'16Jun'15Jun'14Jun'13Jun'12Jun'11
Interest income
Loans, including fees

12,021

11,312

10,895

11,254

11,996

12,681

11,466

9,664

10,146

Mortgage-backed securities

31

41

57

94

110

132

185

256

355

Other securities

13

-

7

18

25

29

17

1

2

Interest-bearing deposits and other

635

533

357

268

258

308

290

-

-

Interest-bearing deposits and other

-

-

-

-

-

-

-

235

246

Total interest income

12,700

11,886

11,316

11,634

12,389

13,150

11,958

10,156

10,749

Interest expense
Deposits

1,976

1,402

1,018

1,058

1,190

1,341

1,255

1,567

2,486

Borrowings

1,276

759

439

302

238

277

431

612

695

Total interest expense

3,252

2,161

1,457

1,360

1,428

1,618

1,686

2,179

3,181

Net interest income

9,448

9,725

9,859

10,274

10,961

11,532

10,272

7,977

7,568

Provision for loan losses

11

185

242

15

343

580

662

139

668

Net interest income after provision for loan losses

9,437

9,540

9,617

10,259

10,618

10,952

9,610

7,838

6,900

Non-interest income
Earnings on bank-owned life insurance

74

449

94

93

93

91

90

90

90

Net gain on sales of loans

29

28

23

51

28

55

200

23

155

Net gain (loss) on sales of real estate owned

10

52

67

120

207

-14

82

1

-36

Valuation adjustment for real estate owned

66

37

171

151

87

-

-

-

-

Net gains on sales of property

9

-

-

-

-

-

-

-

-

Net gains on sales of investments

-

-

-

0

-

-

-

-

-

Net gains on sales of investments

-

-

64

-

-

-

-

-

-

Valuation adjustments of OREO

-

-

-

-

-

101

-

-

-

Valuation adjustment for REO

-

-

-

-

-

-

25

-

-

Unrealized loss-other real estate

-

-

-

-

-

-

-

-67

-71

Bargain purchase gain

-

-

-

-

-

-

958

0

-

Other

187

199

285

274

273

313

220

93

104

Total non-interest income

243

691

362

387

514

344

1,525

140

242

Non-interest expense
Employee compensation and benefits

5,796

5,695

5,344

5,319

4,859

5,353

4,289

3,238

3,057

Occupancy and equipment

671

666

685

669

610

552

410

355

355

Voice and data communications

249

259

220

-

-

-

-

-

-

Advertising

226

248

245

-

-

-

-

-

-

Outside service fees

150

168

162

145

198

140

276

267

100

Legal fees

-

-

-

75

94

35

199

365

135

Data processing

442

439

396

397

429

457

379

241

246

Auditing and accounting

40

273

305

276

252

263

147

84

205

FDIC insurance premiums

-

-

-

215

230

230

201

144

197

Franchise and other taxes

255

246

240

247

261

269

225

-

-

Amortization of intangible assets

-

-

-

-

-

-

-

87

131

Foreclosure and real estate owned expenses (net)

102

107

111

95

180

160

33

-14

159

Franchise and other taxes

-

-

-

-

-

-

-

182

191

Other

796

844

823

1,111

929

951

752

474

506

Total non-interest expense

8,727

8,945

8,531

8,549

8,042

8,410

6,911

5,423

5,282

Income before income taxes

953

1,286

1,448

2,097

3,090

2,886

4,224

2,555

1,860

Current

-

239

421

524

646

1,056

1,095

1,087

-43

Deferred

141

-276

92

72

375

-104

213

-247

147

Federal income tax expense

141

-37

513

596

1,021

-

-

-

-

Total federal income taxes

-

-

-

-

-

952

1,308

-

-

Total federal income taxes

-

-

-

-

-

-

-

840

104

NET INCOME

812

1,323

935

1,501

2,069

1,934

2,916

1,715

1,756

EARNINGS PER SHARE
Basic and diluted

0.10

0.16

0.11

0.18

0.25

0.23

0.37

0.23

0.23